Real Estate Tips From Tonja Demoff, By Tonja Demoff for Investors, homeowners and anyone looking for real estate
Tuesday, December 15, 2015
Sunday, December 13, 2015
Tuesday, December 8, 2015
Tuesday, December 1, 2015
Kemery Blair-Yeakel- See what she did to her partners! Long Beach Realtor.. WOW!
www.kemeryblairyeakel.com
Sunday, November 29, 2015
Kemery Blair Yeakel Cheated Her Partners
"Blair- Yeakel", filed a law suit against her business partners and their companies. She also Sued Re/Max and landed a windfall- HUNDREDS OF THOUSANDS OF DOLLARS and didn't give her partners anything.
Check it out! She made agreements and then "oops"... and cried fraud...
www.kemeryblairyeakel.com
Check it out! She made agreements and then "oops"... and cried fraud...
www.kemeryblairyeakel.com
Monday, November 16, 2015
Thursday, November 12, 2015
Here is a get rich quick scam to avoid
Dear Beneficiary.
I am writing this letter to put smiles on your face and restore your lost hope.
I am writing this letter to put smiles on your face and restore your lost hope.
I am Mr. Femi Johnson, The Director, Accounts/ International Remittance Department of the United Bank for Africa Plc (UBA), Head office, Marina Lagos, Nigeria. and i want to reveal this secret to you, on why you have not received your fund, Please keep this information very secret, to save my job.
My Boss, Mr. Phillips Oduoza, the Managing Director/CEO of this bank, is now on compulsory leave and all powers has been vested on me, to make all international payments, Also, due to reported cases of corrupt practices and inefficient banking system of some Nigerian Banks, including the Central Bank of Nigeria. the World Bank and IMF have revoked/cancelled the powers vested on those banks and has appointed the United Bank for Africa Plc (UBA) to make all foreign payments.
Be informed that the Federal Government of Nigeria is not to be blamed over the non payment of your Contract/Inheritance payment sum of $10,000,000.00 USD (Ten Million United States Dollars), which was approved in your name, on the 15th July,2009, and deposited with this bank, on the 17th July, 2009, through the Federal Government of Nigeria consolidated oil reserve account.
The United Bank for Africa Plc (UBA), as the Africa's global bank. Have been mandated to pay all foreign debts, owned by the Federal Government of Nigeria, on Contracts/Inheritance Payments, Over-due Lottery Winning Payments and Compensation/Reimbursement Payments. Based on established Debt records on your name,verified by the combined DMO-DG's teams, World Bank,UN and IMF. confirming authenticity of your Debt origination from Nigeria/West Africa. Hence, a payment resolution was reached, to pay such Debts.
The Federal Government have approved the release of your $10Million usd, which has been in this bank for over five years, unclaimed, simply because my boss (Mr. Phillips Oduoza) is collaborating with the Governor of the Central Bank of Nigeria (CBN) and have refused to release this money to you, just because they have been using the interest accumulated from your inheritance payment, every year, to enrich themselves,without your knowledge.
However, My preliminary investigations revealed that some payment file and deposit accounts, belonging to some of the Beneficiaries has been tampered/changed, on the basis that the owners have died or have given out an authorization note of change of data. Further Investigations also revealed that there are some foreigners who are collaborating with them, to make these changes illegally,without the knowledge of the rightful Beneficiaries of these funds.
The fund has been legally cleared by the Federal High Court and the United Nations Financial Regulations Authority, which gives you the lawful right to claim the fund,as the legitimate beneficiary.
Therefore, I want to help you pull out this fund into your Bank account, by using the easiest and the quickest method, which have not been made known to you before. by this method, you will open a domiciliary account with this bank (UBA Bank), then, your fund would be lodged into this domiciliary account and transferred directly from the domiciliary account into any bank account of your choice, and after the transfer, you will confirm the fund in your bank account within 4hours, the same day. there is No Cost of Transfer (COT) and No stoppage from any Government departments, as the transfer will be done in my department and it is very safe.
Note: The transfer method which was introduced to you before, is the Telegraphic Transfer (TT), for which confirmation was 72hours or more, But because of the time factor, petitions could come from various organizations, stopping your payment and asking you to pay huge fee, which would be very difficult for you to pay, so that they can benefit from the huge interest, while your fund still in this Bank, unclaimed. this method is not safe for you, because the transfer is not done within the bank alone, as information of the payment would be sent to the Central Control Unit (CCU) of the Federal Ministry of Finance and office of the Accountant General of the Federation.
The Non Resident Domiciliary Account is an account designed to help you conveniently carry out foreign currency transactions from the comfort of your home or abroad, and the purpose of opening this Domiciliary Account is to secure and protect your fund, to give you a greater privacy and easy access to deposits, in terms of regulation and protection against financial instability. Another advantage of opening a Domiciliary account is that you can instruct our bank to transfer this fund into your nominated bank account in your country, bit by bit, with small amount, thereby saving yourself from the embarrassment of the Financial Authorities, who monitor large transfers, due to current trend of terrorism. and you can also retain the balance left in your Domiciliary account or instruct the bank to pay out money to any account of your choice, in any part of the world or issue an ATM Card or Bank Draft/Check to you, which you can also use to withdraw your money in your country or in any part of the world, when you are on a business trip or vacation.
As a Christian, I have nothing to gain by keeping your funds in this bank, I want to assist you and make that you receive your fund before my boss resumes office, but you must follow my instructions, to enable you receive your fund within the next 48hours, Hence, I advise you to keep this information very confidential because of some foreigners and impostors who go about presenting various bank accounts in order to divert another beneficiary's fund.
This is the gospel truth why you have not yet received your long awaited overdue inheritance fund, and i can assure you that you will definitely receive this fund within the next 48hours, if you follow my instructions and comply with the payment procedure, without hesitation.
So if you really want to receive your overdue inheritance payment, then get back to me immediately and reconfirm your full names, resident address and mobile/cell phone number, i assure you that you will definitely smile again.
Contact me through this E-mail: [ femi.johnson344@gmail.com ] immediately,to enable me open the domiciliary account in your name, credit the $10Million usd into the domiciliary account and transfer directly from the domiciliary account, into any account of your choice, within or outside your country.
I am waiting for your quick response.
Yours Truly,
Mr. Femi Johnson,
The Director, Accounts / International Remittance Department,
United Bank for Africa Plc (UBA)
My Boss, Mr. Phillips Oduoza, the Managing Director/CEO of this bank, is now on compulsory leave and all powers has been vested on me, to make all international payments, Also, due to reported cases of corrupt practices and inefficient banking system of some Nigerian Banks, including the Central Bank of Nigeria. the World Bank and IMF have revoked/cancelled the powers vested on those banks and has appointed the United Bank for Africa Plc (UBA) to make all foreign payments.
Be informed that the Federal Government of Nigeria is not to be blamed over the non payment of your Contract/Inheritance payment sum of $10,000,000.00 USD (Ten Million United States Dollars), which was approved in your name, on the 15th July,2009, and deposited with this bank, on the 17th July, 2009, through the Federal Government of Nigeria consolidated oil reserve account.
The United Bank for Africa Plc (UBA), as the Africa's global bank. Have been mandated to pay all foreign debts, owned by the Federal Government of Nigeria, on Contracts/Inheritance Payments, Over-due Lottery Winning Payments and Compensation/Reimbursement Payments. Based on established Debt records on your name,verified by the combined DMO-DG's teams, World Bank,UN and IMF. confirming authenticity of your Debt origination from Nigeria/West Africa. Hence, a payment resolution was reached, to pay such Debts.
The Federal Government have approved the release of your $10Million usd, which has been in this bank for over five years, unclaimed, simply because my boss (Mr. Phillips Oduoza) is collaborating with the Governor of the Central Bank of Nigeria (CBN) and have refused to release this money to you, just because they have been using the interest accumulated from your inheritance payment, every year, to enrich themselves,without your knowledge.
However, My preliminary investigations revealed that some payment file and deposit accounts, belonging to some of the Beneficiaries has been tampered/changed, on the basis that the owners have died or have given out an authorization note of change of data. Further Investigations also revealed that there are some foreigners who are collaborating with them, to make these changes illegally,without the knowledge of the rightful Beneficiaries of these funds.
The fund has been legally cleared by the Federal High Court and the United Nations Financial Regulations Authority, which gives you the lawful right to claim the fund,as the legitimate beneficiary.
Therefore, I want to help you pull out this fund into your Bank account, by using the easiest and the quickest method, which have not been made known to you before. by this method, you will open a domiciliary account with this bank (UBA Bank), then, your fund would be lodged into this domiciliary account and transferred directly from the domiciliary account into any bank account of your choice, and after the transfer, you will confirm the fund in your bank account within 4hours, the same day. there is No Cost of Transfer (COT) and No stoppage from any Government departments, as the transfer will be done in my department and it is very safe.
Note: The transfer method which was introduced to you before, is the Telegraphic Transfer (TT), for which confirmation was 72hours or more, But because of the time factor, petitions could come from various organizations, stopping your payment and asking you to pay huge fee, which would be very difficult for you to pay, so that they can benefit from the huge interest, while your fund still in this Bank, unclaimed. this method is not safe for you, because the transfer is not done within the bank alone, as information of the payment would be sent to the Central Control Unit (CCU) of the Federal Ministry of Finance and office of the Accountant General of the Federation.
The Non Resident Domiciliary Account is an account designed to help you conveniently carry out foreign currency transactions from the comfort of your home or abroad, and the purpose of opening this Domiciliary Account is to secure and protect your fund, to give you a greater privacy and easy access to deposits, in terms of regulation and protection against financial instability. Another advantage of opening a Domiciliary account is that you can instruct our bank to transfer this fund into your nominated bank account in your country, bit by bit, with small amount, thereby saving yourself from the embarrassment of the Financial Authorities, who monitor large transfers, due to current trend of terrorism. and you can also retain the balance left in your Domiciliary account or instruct the bank to pay out money to any account of your choice, in any part of the world or issue an ATM Card or Bank Draft/Check to you, which you can also use to withdraw your money in your country or in any part of the world, when you are on a business trip or vacation.
As a Christian, I have nothing to gain by keeping your funds in this bank, I want to assist you and make that you receive your fund before my boss resumes office, but you must follow my instructions, to enable you receive your fund within the next 48hours, Hence, I advise you to keep this information very confidential because of some foreigners and impostors who go about presenting various bank accounts in order to divert another beneficiary's fund.
This is the gospel truth why you have not yet received your long awaited overdue inheritance fund, and i can assure you that you will definitely receive this fund within the next 48hours, if you follow my instructions and comply with the payment procedure, without hesitation.
So if you really want to receive your overdue inheritance payment, then get back to me immediately and reconfirm your full names, resident address and mobile/cell phone number, i assure you that you will definitely smile again.
Contact me through this E-mail: [ femi.johnson344@gmail.com ] immediately,to enable me open the domiciliary account in your name, credit the $10Million usd into the domiciliary account and transfer directly from the domiciliary account, into any account of your choice, within or outside your country.
I am waiting for your quick response.
Yours Truly,
Mr. Femi Johnson,
The Director, Accounts / International Remittance Department,
United Bank for Africa Plc (UBA)
Tuesday, November 3, 2015
Saturday, October 31, 2015
Tuesday, October 20, 2015
Monday, October 19, 2015
Friday, October 16, 2015
Tonja Demoff Announces 2016 Schedule of Events
2016 is the year for a:
FRESH START, a RESILIENT MILLIONAIRE MINDSET, to build your CORE WEALTH and get the ENTREPRENEURS EDGE.
The Virtual Consulting Group will be launching a series of wealth workshops sponsoring Tonja Demoff, featuring her four brand new programs.
- Fresh Start – 995.00
- Resilient Millionaire- 1,495.00
- Core Wealth- 1,995.00
- Entrepreneurs Edge- 2,995.00
Registration will be open online at http://www.virtualREconsulting.com or you can register with your private wealth consultant at any of the worldwide locations. If you are in China or Taiwan you will need to register online. Details for each of the programs will be available online at http://www.virtualREconsulting.com
Projected location for the trainings- All trainings will take place in the cities listed below for 2016
- Dallas, TX- Fresh Start
- Chicago, IL- Entrepreneurs Edge
- Los Angeles- Resilient Millionaire
- Miami FL- Core Wealth
Tonja Demoff Real Estate Tips: Be A Responsible Investor
Tonja Demoff Real Estate Tips: Be A Responsible Investor: Tonja Demoff a Responsible Investor
Thursday, October 15, 2015
You can't get RICH if all you do is...
it is a fool and an irresponsible investor who blames others for the choices they make. Don't be a fool! Educate yourself, create a mental mindset that has the strength to make your own financial decisions.
It is very easy to blame others when things go wrong... A responsible investor doesn't get into investments that they can't afford to lose.
No investment is a guarantee and NOBODY can promise you a sure thing... Wealth is gained through consciousness, intention and integrity.
You will see that those who blame others do so with a negative balance in their bank accounts. Take responsibility and though you may lose at times, you will win in the long run.
If it is wealth you seek then learn the steps that you must take in order to secure your financial future. Learn what you must know to protect yourself from those who want what you have without doing the work. Don't be the person who isn't taking action!
Tonja Demoff offers a variety of seminars to include the FRESH START SYSTEM. You can register at www.VirtualREconsulting.com beginning Nov 15th.
Remember you are responsible for your wealth... Don't buy into "get rich quick"...
Wednesday, October 7, 2015
Friday, October 2, 2015
Friday, September 25, 2015
Rich Dad Poor Dad goes BK
I just saw in the news the other day that the author of the Rich Dad Poor Dad series Robert Kiyosaki just filed for BK via one of his corporations. I'm sharing an exert of the full article
However, Kiyosaki isn't taking after his poor dad's title just yet. Though Rich Global LLC has filed for bankruptcy, he reportedly conducts business through a number of corporations, including Rich Dad Co.
Mike Sullivan, CEO of Kiyosaki's Rich Dad Co., told the Post, "The dealings we had with Learning Annex were with a company that hasn't been in business for a number of years . . . I am not surprised Learning Annex is upset and angry, the money doesn't exist in that company, and we can't bring money out of the group.
"Robert and [wife] Kim are not paying out of personal assets. We have a few million dollars in this company, but not 16 or 20. I can't do anything about a $20 million judgment . . . We got hit for what we think is a completely outlandish figure."
Rich Global LLC's liabilities are nearly $26 million with assets of $1.8 million, according to its bankruptcy filing. Its biggest creditor is the Learning Annex due to its $23.7 million legal claim.
The meeting of creditors was held on Sept. 26 and the deadline for creditors to file claims is Jan. 2., according to the Executive Office for U.S. Trustees.
As a real estate investor, entrepreneur or business person this should catch your attention to understand why he isn't paying out of personal assets....
Tonja Demoff
Thursday, September 24, 2015
Why are posts about unethical attorney's real estate tips?
As a real estate investor, realtor or consumer, attorney's play a big role in your success.
Attorney's should help you navigate through the negotiations, the contracts and limit your liability. What happens when the attorney is your liability? Unfortunately to often this is the case with attorney's that take on any type of work, even and especially the work they are not educated or experienced enough to take care of; but the all mighty dollar persuades them to learn on your time which equals your money.
Having had many attorney's in my career I can tell you that my experience with small law firms has been just as I stated above.
Large firms have different issues; they bill for everything and anything. They have an internal meeting (the new associate talks to a seasoned attorney to get advice, they bill you), they involve multiple people in the case and bill for multiple attorneys at different hourly rates. They require larger retainers and when the retainer runs out they pull the shades, close the doors and don't take your calls until you replenish it. In large firms it's not about your principles or your heart it's about the bottomline, theirs!
I know that many attorney's will say they are different , if so you can count on them being a marginally performing firm, minimally profitable and always struggling for the next case. The lawyer with this strategy isn't the one you want on your side.
I thought a lawyer who believed in my case was the lawyer I needed ,and wanted , then while going through the process of litigation I realized this has nothing to do with right and wrong and everything to do with the better lawyer, the better strategy, the ability to twist the facts to your way of benefiting and that is how you prevail. I'm certain there are people who will argue this point... I would have prior to my plethora of experiences. Oh and my favorite discovery (sarcastically) is the unethical behavior exhibited by the attorney's in an effort to win. We'll go into that in more detail another day, (it's in my book titled FRAUD- ).
Before you hire an attorney ask them questions about the area of specialization they practice in. Check out their license standing on the state bar website. If there is disciplinary action listed, ask them about it or find a new firm/lawyer. Make sure they have expertise not just a good size law library at their disposal.
Oh beware of this little trick.. they send you the retainer agreement, you pay it and if you don't spend it all (which NEVER happens, in my experience) they don't give it back. The other trick is that they then begin to bill you hourly after your retainer has been exhausted so pay attention to your statements because hourly billing adds up quickly, you'd be surprised how much a 15 min phone call costs at 350-600.00 per hour. Remember it's not just the call, it's the call plus the email they send you afterwards outlining what you talked about to cover themselves and any action items that came up on the call and any partner, senior partner approval required, so in essence more billable time in conversation.
Lastly find an attorney who gets along with other attorney's. If your attorney comes off like a fighter and arrogant it may feel good when your upset with your adversary BUT it will cost you if they really are that fighter and can't get along with opposing counsel because the judge will appoint a referee to make the attorney's play nice and guess what? You will be billed for the referee's time.
Welcome to the world of real estate, it is litigious, cut through and not always rainbows and pots of gold.
The good news is this... being prepared and navigating your transactions with your eyes open is smarter and more profitable than if they are closed or you think this can't happen to you, it can!
Today an article came out showing Rich Dad/ Poor Dad is now a Bankrupt dad, he was in a law suit and lost to the tune of nearly 24,000,000 and he filed BK.
Keep your eyes open!
Tonja Demoff
Attorney's should help you navigate through the negotiations, the contracts and limit your liability. What happens when the attorney is your liability? Unfortunately to often this is the case with attorney's that take on any type of work, even and especially the work they are not educated or experienced enough to take care of; but the all mighty dollar persuades them to learn on your time which equals your money.
Having had many attorney's in my career I can tell you that my experience with small law firms has been just as I stated above.
Large firms have different issues; they bill for everything and anything. They have an internal meeting (the new associate talks to a seasoned attorney to get advice, they bill you), they involve multiple people in the case and bill for multiple attorneys at different hourly rates. They require larger retainers and when the retainer runs out they pull the shades, close the doors and don't take your calls until you replenish it. In large firms it's not about your principles or your heart it's about the bottomline, theirs!
I know that many attorney's will say they are different , if so you can count on them being a marginally performing firm, minimally profitable and always struggling for the next case. The lawyer with this strategy isn't the one you want on your side.
I thought a lawyer who believed in my case was the lawyer I needed ,and wanted , then while going through the process of litigation I realized this has nothing to do with right and wrong and everything to do with the better lawyer, the better strategy, the ability to twist the facts to your way of benefiting and that is how you prevail. I'm certain there are people who will argue this point... I would have prior to my plethora of experiences. Oh and my favorite discovery (sarcastically) is the unethical behavior exhibited by the attorney's in an effort to win. We'll go into that in more detail another day, (it's in my book titled FRAUD- ).
Before you hire an attorney ask them questions about the area of specialization they practice in. Check out their license standing on the state bar website. If there is disciplinary action listed, ask them about it or find a new firm/lawyer. Make sure they have expertise not just a good size law library at their disposal.
Oh beware of this little trick.. they send you the retainer agreement, you pay it and if you don't spend it all (which NEVER happens, in my experience) they don't give it back. The other trick is that they then begin to bill you hourly after your retainer has been exhausted so pay attention to your statements because hourly billing adds up quickly, you'd be surprised how much a 15 min phone call costs at 350-600.00 per hour. Remember it's not just the call, it's the call plus the email they send you afterwards outlining what you talked about to cover themselves and any action items that came up on the call and any partner, senior partner approval required, so in essence more billable time in conversation.
Lastly find an attorney who gets along with other attorney's. If your attorney comes off like a fighter and arrogant it may feel good when your upset with your adversary BUT it will cost you if they really are that fighter and can't get along with opposing counsel because the judge will appoint a referee to make the attorney's play nice and guess what? You will be billed for the referee's time.
Welcome to the world of real estate, it is litigious, cut through and not always rainbows and pots of gold.
The good news is this... being prepared and navigating your transactions with your eyes open is smarter and more profitable than if they are closed or you think this can't happen to you, it can!
Today an article came out showing Rich Dad/ Poor Dad is now a Bankrupt dad, he was in a law suit and lost to the tune of nearly 24,000,000 and he filed BK.
Keep your eyes open!
Tonja Demoff
Wednesday, September 23, 2015
Tonja Demoff Real Estate Tips: http://tonjademoff.com/2015/09/23/another-example-of-an-attorneys-bad-conduct/
Tonja Demoff Real Estate Tips: http://tonjademoff.com/2015/09/23/another-example-of-an-attorneys-bad-conduct/http://tonjademoff.com/2015/09/23/another-example-of-an-attorneys-bad-conduct/
Friday, September 18, 2015
Tonja Demoff Tells it all!
When I decided to take on the challenge of launching the most amazing year ever I told myself it was not only going to be amazing it was going to be so real, genuine and RAW.
I want this year to be the year that puts the pieces together for you in your life, the ahhh HA moment! The moment where you say I know that I can do anything I set my intention on doing.
I want you to know that a set back isn't a set back, it's a step you just didn't see... you misstepped into the next wonderful moment of your journey.
I understand because I misstepped a few times and thank God literally everyday for taking care of me and showing me the Truth about so many things that I will be able to put a voice to throughout the year.
When I say real, genuine and RAW I mean gut wrenching truthful, putting embarrassment, ego etc.. aside and telling it like it is. WHY? Because when you travel through an experience and learn the lessons of your wounded soul it's imperative that you share that with the world so we can all learn. I cannot grow and become my highest and best self if I am not willing to share who I am in complete Truth. Of course there are moments of discernment and respect for others and situations BUT, BUT there is also the Truth of my journey and if you are in my journey and my Truth is to be spoken you may be mentioned... LOL...I playful say this because many of my dear friends have said "don't you talk about me" "better not mention X" or "Y" and I laugh because if I listened to them I'd have nothing to talk about and everyone's name would be "Jane" in my stories or I'd overuse the sentence "A friend of mine". I've prepared them to get ready, to get real or warned them which ever you prefer.
I would love for you to join in this journey of authenticity with me and decide to make this year the year you tell it all. The good, bad, ugly and embarrassing. Set your ego aside and choose to live completely in your Truth and Authentically.
I invite you to share on this blog so we may all be blessed with your experiences and bring them into our lives to be enriched by your sharing.
And on we go.... Let's Do this!
Tonja Demoff
I want this year to be the year that puts the pieces together for you in your life, the ahhh HA moment! The moment where you say I know that I can do anything I set my intention on doing.
I want you to know that a set back isn't a set back, it's a step you just didn't see... you misstepped into the next wonderful moment of your journey.
I understand because I misstepped a few times and thank God literally everyday for taking care of me and showing me the Truth about so many things that I will be able to put a voice to throughout the year.
When I say real, genuine and RAW I mean gut wrenching truthful, putting embarrassment, ego etc.. aside and telling it like it is. WHY? Because when you travel through an experience and learn the lessons of your wounded soul it's imperative that you share that with the world so we can all learn. I cannot grow and become my highest and best self if I am not willing to share who I am in complete Truth. Of course there are moments of discernment and respect for others and situations BUT, BUT there is also the Truth of my journey and if you are in my journey and my Truth is to be spoken you may be mentioned... LOL...I playful say this because many of my dear friends have said "don't you talk about me" "better not mention X" or "Y" and I laugh because if I listened to them I'd have nothing to talk about and everyone's name would be "Jane" in my stories or I'd overuse the sentence "A friend of mine". I've prepared them to get ready, to get real or warned them which ever you prefer.
I would love for you to join in this journey of authenticity with me and decide to make this year the year you tell it all. The good, bad, ugly and embarrassing. Set your ego aside and choose to live completely in your Truth and Authentically.
I invite you to share on this blog so we may all be blessed with your experiences and bring them into our lives to be enriched by your sharing.
And on we go.... Let's Do this!
Tonja Demoff
Tonja Demoff Fraud
Wednesday, September 16, 2015
Sunday, September 13, 2015
Tonja Demoff Real Estate Tips: What are your thoughts about MONEY?
Tonja Demoff Real Estate Tips: What are your thoughts about MONEY?: My mother use to tell me "money doesn't grow on trees", "don't put that penny in your mouth, it's dirty" and...
What are your thoughts about MONEY?
My mother use to tell me "money doesn't grow on trees", "don't put that penny in your mouth, it's dirty" and a plethora of other statements that repeated long enough could lead me to believe that money was a negative energy, concept, reality, thought etc... I am curious today for your feedback... what things did you grow up hearing about money when you were a child? Please share.
Tonja Demoff
Tonja Demoff
Saturday, September 12, 2015
Tonja Demoff Real Estate Tips: Anger and Poverty go hand in hand
Tonja Demoff Real Estate Tips: Anger and Poverty go hand in hand: OMG! I just saw a post about myself that made me laugh. Someone said that they didn't think I (meaning me), would wipe the "smug s...
Anger and Poverty go hand in hand
OMG! I just saw a post about myself that made me laugh. Someone said that they didn't think I (meaning me), would wipe the "smug smile off my face". They are absolutely right . I'm so amazingly joyful and fulfilled in my life and they are just simply angry. The post went on to say negative things that aren't true about me but make these people feel good. What I say to that... If I can make you feel better about yourself then I've made a difference in your life, if you feel you have a purpose because of me, even if your purpose is me then you are welcome.
Anger is a negative drain on your financial future and surfaces from the emotion of hurt. Ask yourself what is hurting you, how can you heal this pain so you can open the channel to receive wealth. Some people think that anger is because others have done something to them and rarely do they recognize this emotion is not about the other person.
I'm attaching a great article on Anger that says it all.
https://www.psychologytoday.com/blog/evolution-the-self/201306/anger-how-we-transfer-feelings-guilt-hurt-and-fear
Here is a passage from the article:
Anger is a negative drain on your financial future and surfaces from the emotion of hurt. Ask yourself what is hurting you, how can you heal this pain so you can open the channel to receive wealth. Some people think that anger is because others have done something to them and rarely do they recognize this emotion is not about the other person.
I'm attaching a great article on Anger that says it all.
https://www.psychologytoday.com/blog/evolution-the-self/201306/anger-how-we-transfer-feelings-guilt-hurt-and-fear
Here is a passage from the article:
a good deal of our anger is motivated by a desire not to experience guilt—and beyond this, the distressing emotions of hurt and fear. It’s by now generally agreed upon that anger, as prevalent as it is in our species, is almost never a primary emotion. For underlying it (as fellow blogger Steven Stosny pointed out two decades ago) are such core hurts as feeling disregarded, unimportant, accused, guilty, untrustworthy, devalued, rejected, powerless, and unlovable. And these feelings are capable of engendering considerable emotional pain. It’s therefore understandable that so many of us might go to great lengths to find ways of distancing ourselves from them.
In fact, those of us who routinely use anger as a “cover-up” to keep our more vulnerable feelings at bay, generally become so adept at doing so that we have little to no awareness of the dynamic driving our behavior. As I’ve discussed in earlier posts on the subject, anger is the emotion of invulnerability. Even though the self-empowerment (read, “adrenaline rush”) it immediately offers is bogus, it can yet be extremely tempting to get “attached”—or even “addicted”—to it if we frequently experience another as threatening the way we need to see ourselves (e.g., as important, trustworthy, lovable, etc.).
After all, this is how all psychological defenses work. Simply put, they allow us to escape upsetting, shameful, or anxiety-laden feelings we may not have developed the emotional resources—or ego strength—to successfully cope with.
I hope you will read the article it is a great insight to personal emotions and the beginning of understanding why people express their feelings as anger. Bottom line... the people who are angry with you more than likely miss you and wish they would have gotten something from you that you could not or would not give them. Think about this !
Tonja Demoff
Thursday, September 10, 2015
Poverty Consciousness "stinking thinking"
Many people have what I call “stinking thinking”, their energy is destructive and creates a cycle of poverty in their lives. Often people think they are “getting back” at somebody or they disguise it as “warning the world” about another person that they feel “wronged” them and in reality they are only hurting themselves. These people live in a consciousness of lack and limitation because they are not able to take responsibility for their own choices so they let jealousy, envy, anger and a boatload of other emotions run their lives and get in the way of prosperity. When you seek to hurt another let me explain how I believe the Universe responds. You throw out the intentional infliction of harm upon another and the Universe sees this “throw” as a boomerang and throws it right back, then what, now what you “dished out”, you got it right back… “ouch”. If everyone believed this, wouldn’t we all consider the consequences of what we were throwing before we took the final action of the throw? It hurts me to see people so jealous of another that they are willing to risk the blessings they have in their life. As readers you all know people who act as I’ve described and perhaps you too have found yourself in this behavior. We have all been here, I’m sure. The secret to wealth is in the journey we are willing to embark upon, for it is one of a higher road, a broader path, a brighter day and a steeper hill that we are willing to climb to seek the truth of our existence not the punishment of another, for the Universe will take care of that business. My mother use to tell me “Tonja there are 3 types of business Gods , Yours & Mine and if your in any business other than yours, your in the wrong business”. I’ll leave you with that for today and wish everyone a prosperous loving day.
Thursday, September 3, 2015
Should you invest away from where you live?
Hi
I'm Tonja Demoff, the title of this post is a question that I'm asked all the time by people who attend my trainings. The question comes in different forms... should I buy real estate in other countries? What about in a different state from where I live? The answer isn't that simple because it depends... If you are a seasoned investor, understand the risk involved, the headache of property management as an absentee landlord and your up for a challenge you may want to take that leap of faith.
If you are a new investor, never owned property, not even your own home then the answer is NO... NO, NO.... don't do it. Rule of thumb is if you can't drive to it within 15 -20 min don't do it. Get some experience, understand the challenges you will be faced with and get a good grasp of the expenses you will have. Just because another state seems to offer a great rate of return, large cash flow and lower purchase prices doesn't mean you'll make more profit.
Buying out of state can be a wonderful strategy if your going to take the time to visit your property, understand the market and hire a very good management company.
All to often even seasoned investors make the mistake of buying out of state and then the cardinal sin of not visiting their property. Everyone and anyone can buy a property, someway, somehow and at sometime that doesn't make it a good investment. Your hard work, diligence to management and staying on top of tenant issues gives you the opportunity to turn your purchase into a solid investment. unfortunately I've watched many people buy things they regret and let's face it nobody likes to admit they made a bad investment so they end up blaming somebody for their so called bad investment and what they may need to do is take a serious look at their lack of attention to their financial matters.
Keep it close to home, visit it and slowly build your nest egg.
Tonja
I'm Tonja Demoff, the title of this post is a question that I'm asked all the time by people who attend my trainings. The question comes in different forms... should I buy real estate in other countries? What about in a different state from where I live? The answer isn't that simple because it depends... If you are a seasoned investor, understand the risk involved, the headache of property management as an absentee landlord and your up for a challenge you may want to take that leap of faith.
If you are a new investor, never owned property, not even your own home then the answer is NO... NO, NO.... don't do it. Rule of thumb is if you can't drive to it within 15 -20 min don't do it. Get some experience, understand the challenges you will be faced with and get a good grasp of the expenses you will have. Just because another state seems to offer a great rate of return, large cash flow and lower purchase prices doesn't mean you'll make more profit.
Buying out of state can be a wonderful strategy if your going to take the time to visit your property, understand the market and hire a very good management company.
All to often even seasoned investors make the mistake of buying out of state and then the cardinal sin of not visiting their property. Everyone and anyone can buy a property, someway, somehow and at sometime that doesn't make it a good investment. Your hard work, diligence to management and staying on top of tenant issues gives you the opportunity to turn your purchase into a solid investment. unfortunately I've watched many people buy things they regret and let's face it nobody likes to admit they made a bad investment so they end up blaming somebody for their so called bad investment and what they may need to do is take a serious look at their lack of attention to their financial matters.
Keep it close to home, visit it and slowly build your nest egg.
Tonja
Wednesday, September 2, 2015
Tonja Demoff: Tonja Demoff
Tonja Demoff: Tonja Demoff: PFP2 Fee Structure, for Q & A Realty Group, Inc. Contact Tonja Demoff Fee Structure for Agents 1. PFP2 requi...
Tuesday, September 1, 2015
Fresh Start... Have you lost it all? Ready to rebuild?
I'd love to hear your story of loss....
Sincerely,
Tonja Demoff
Tonja Demoff Real Estate Tips: Investing requires more than excitement!Real Es...
Tonja Demoff Real Estate Tips: Investing requires more than excitement!
Real Es...: Investing requires more than excitement! Real Estate Investing is an exciting idea for many people who want to create a solid financially...
Real Es...: Investing requires more than excitement! Real Estate Investing is an exciting idea for many people who want to create a solid financially...
Monday, August 24, 2015
Investing requires more than excitement!
Real Estate Investing is an exciting idea for many people who want to create a solid financially free life with freedom and flexibility. The unfortunate part of the excitement is that most often the person or people thinking of becoming investors have no money.
A few weeks ago I met with 3 very smart young people who called me up, told me they had purchased and flipped 6 properties this past year. I began to ask questions and just knew there was more to the story. After 20+ years in this business of real estate and investing I've learned a thing or two and I was certain this story had more to it... I decided to schedule the appointment with the group to see how I could help guid them. They arrived promptly to the appointment and settled in to our conversations. As they became comfortable they revealed the following facts for me to work with as a realtor.
1. We (none of us have a job)
2. We don't have any money
3. On the 6 properties that we did flip we made NET a cumulative total of 13,000.00 (to split 3 ways)
4. Nobody was willing to loan these 3 anymore money to "flip"
5. 2 had no credit and 1 had excellent credit (reminder... no jobs)
6. All were below the age of 24 years of age.
7. All were students in college
8. Each expressed how motivated they were and wanted to find a "good deal"
9. They wanted me to find them "good deals" to wholesale to my clients that were qualified.. (keep this in mind, we'll discuss)
Upon uncovering the "facts" I explained that it was nearly impossible for them to become investors with the set of facts provided. Keep in mind I'm a very creative person typically I can give a solution that has some possibility but given the above my solution was not received with any warmth of serious consideration.
MY SUGGESTION:
I explained that I do not as a business model offer "wholesale services". When a person wants to wholesale a property they find the property for "under market value" and enter into an agreement with the seller to purchase the property, the buyer then assigns the contract for purchase to a qualified buyer asking for money in exchange for having secured the property. (Could be 2K, 3K etc.... whatever they choose)
I suggest that you all get jobs, create a history of income.... well before I finished my suggestion they decided that I was just negative, was not wanting to earn my "commission"....
Misconception: Realtors don't earn money helping you "wholesale", they earn money representing the buyers or the sellers (absent some other creative strategies that we are NOT discussing here.)
This situation made me laugh... Thought I'd share :-)
Real Estate Investing is an exciting idea for many people who want to create a solid financially free life with freedom and flexibility. The unfortunate part of the excitement is that most often the person or people thinking of becoming investors have no money.
A few weeks ago I met with 3 very smart young people who called me up, told me they had purchased and flipped 6 properties this past year. I began to ask questions and just knew there was more to the story. After 20+ years in this business of real estate and investing I've learned a thing or two and I was certain this story had more to it... I decided to schedule the appointment with the group to see how I could help guid them. They arrived promptly to the appointment and settled in to our conversations. As they became comfortable they revealed the following facts for me to work with as a realtor.
1. We (none of us have a job)
2. We don't have any money
3. On the 6 properties that we did flip we made NET a cumulative total of 13,000.00 (to split 3 ways)
4. Nobody was willing to loan these 3 anymore money to "flip"
5. 2 had no credit and 1 had excellent credit (reminder... no jobs)
6. All were below the age of 24 years of age.
7. All were students in college
8. Each expressed how motivated they were and wanted to find a "good deal"
9. They wanted me to find them "good deals" to wholesale to my clients that were qualified.. (keep this in mind, we'll discuss)
Upon uncovering the "facts" I explained that it was nearly impossible for them to become investors with the set of facts provided. Keep in mind I'm a very creative person typically I can give a solution that has some possibility but given the above my solution was not received with any warmth of serious consideration.
MY SUGGESTION:
I explained that I do not as a business model offer "wholesale services". When a person wants to wholesale a property they find the property for "under market value" and enter into an agreement with the seller to purchase the property, the buyer then assigns the contract for purchase to a qualified buyer asking for money in exchange for having secured the property. (Could be 2K, 3K etc.... whatever they choose)
I suggest that you all get jobs, create a history of income.... well before I finished my suggestion they decided that I was just negative, was not wanting to earn my "commission"....
Misconception: Realtors don't earn money helping you "wholesale", they earn money representing the buyers or the sellers (absent some other creative strategies that we are NOT discussing here.)
This situation made me laugh... Thought I'd share :-)
Sunday, August 23, 2015
Fresh Start- Rebuild ....
Fresh Start
by
Tonja Demoff
An exciting series of 4 Books and training programs will be offered by the Virtual Consulting Group in San Antonio TX beginning in 2016. Tonja Demoff is presenting this series along with 3 other programs.
1. The Entrepreneurs Edge Training Program
2. The Resilient Millionaire Training Program
3. The CORE Training Program
Each of these programs have been designed by Tonja Demoff from actual experiences in her own life, the lives of her business partners, experiences with clients and assistance from many professionals as well as friends and associates. This program promises to be real, exciting, helpful and informative.
Now that I've gotten the formality out of the way let's talk about this program and the benefit it can be to you and why. Most people at one time or another feel that they are starting over, perhaps its from a divorce, the ending of a relationship, the changing of careers, termination of a job, loss of a loved one, foreclosure, bankruptcy or some other seemingly unpleasant experience. The feeling of starting over can bring up many emotions from fear, hurt, frustration, anger, sadness, overwhelm, excitement and the list goes on.
Fresh Start Training Program provides a system and a step by step process to take control of the situation, identify the issues that you face, implement a strategic and action oriented plan to move forward.
Fresh Start has a separate component for Wealth Rehab, designed specifically for those that are recovering from economic loss.
I, (Tonja Demoff) am going to share my personal transformative life events with you in a "let's get real approach". If your ready to confront your situation, I'm ready to help you move through it 1 step at a time.
Registration for this event will begin in November, in the meantime get on our mailing list at www.virtualREconsulting.com, like us on FB, save this blog to your favorites and let's start thinking together about changing your situation for 2016.
Financing In Today's Real Estate Market
I'm often asked the question "do I qualify"? My answer is most often ... It depends and then I go through a series of questions and call my trusted loan officer to get the answer. What catches my attention about the question is that it is typically asked more as a statement and a disbelief because the person doesn't think it's possible that they do qualify, or they have no idea what it takes to qualify to own there own home.
Here are a few questions to ask yourself in preparation for a pre-qualification conversation with a Loan Officer.
1. Are you employed? Typically you must have a job (there are some circumstances that will qualify a person for a home loan without employment). How long have you been at your job? If you changed Jobs recently are you doing the same or similar type of work that you were doing?
2. What is your annual income before taxes- The lenders will use this number to calculate what is known as your debt to income ration.
3. Add up all of your monthly "minimum payments" for your debts. This will be important in calculating the debt ratio's used to determine qualification.
4. Do you pay or receive any additional income such as child support? (have this number ready).
5. Do you have a "side business", that you either claim income from or show losses on your tax returns?
6. Know your credit score. Lenders will use your middle score as the number to qualify you so look at all three credit bureau scores and determine which is your high, middle and Low.
7. Are there any derogatory comments on your report that do not belong to you?,that if removed would help raise your score. Sometimes if you dispute an item it actually lowers your score instead of raising it. Discuss this with your loan officer before you contact the credit bureau.
8. Have you had any foreclosure, short sale, BK's or 30 day late payments? (just because you have had these doesn't mean you don't qualify, just be prepared to tell the loan officer when they were i.e. 7/2011 or 7 years ago etc...The more detail you can provide the better.
9. How much money do you have for a down payment? You can consider sources such as bank accounts, 401K, IRA, TSP, other retirement and investment sources. If you don't have any money for a down payment do you have a person who will gift you the down payment?
10. How much of a monthly payment will you be comfortable with?
11. If your a veteran tell your loan officer as there are many state programs as well as the federal VA loan programs available to you.
www.qarealtygrouphomes.com
Here are a few questions to ask yourself in preparation for a pre-qualification conversation with a Loan Officer.
1. Are you employed? Typically you must have a job (there are some circumstances that will qualify a person for a home loan without employment). How long have you been at your job? If you changed Jobs recently are you doing the same or similar type of work that you were doing?
2. What is your annual income before taxes- The lenders will use this number to calculate what is known as your debt to income ration.
3. Add up all of your monthly "minimum payments" for your debts. This will be important in calculating the debt ratio's used to determine qualification.
4. Do you pay or receive any additional income such as child support? (have this number ready).
5. Do you have a "side business", that you either claim income from or show losses on your tax returns?
6. Know your credit score. Lenders will use your middle score as the number to qualify you so look at all three credit bureau scores and determine which is your high, middle and Low.
7. Are there any derogatory comments on your report that do not belong to you?,that if removed would help raise your score. Sometimes if you dispute an item it actually lowers your score instead of raising it. Discuss this with your loan officer before you contact the credit bureau.
8. Have you had any foreclosure, short sale, BK's or 30 day late payments? (just because you have had these doesn't mean you don't qualify, just be prepared to tell the loan officer when they were i.e. 7/2011 or 7 years ago etc...The more detail you can provide the better.
9. How much money do you have for a down payment? You can consider sources such as bank accounts, 401K, IRA, TSP, other retirement and investment sources. If you don't have any money for a down payment do you have a person who will gift you the down payment?
10. How much of a monthly payment will you be comfortable with?
11. If your a veteran tell your loan officer as there are many state programs as well as the federal VA loan programs available to you.
www.qarealtygrouphomes.com
Saturday, August 22, 2015
Resilient Millionaire "A Winning Mindset"
Tonja Demoff
Virtual Consulting Group, LLC a TX based company has the exclusive right to roll out the Resilient Millionaire Training Program. I'm excited to offer this training in conjunction with The Virtual Consulting Group and via the Q & A Realty Group, Inc a California based real estate firm. Our last real estate economic down turn left many people asking themselves "what the heck happened"? The questions are great, they allow us to reflect but they don't help us make changes.
To make significant changes in our "situations" we must change our thinking about the situation and take action. Most people want to keep asking the questions "why did this happen", "what made me make that decision", "how could this happen to me", "how could I have been so stupid", OR they choose to blame someone for their poor choices and by the way most people only see poor choices when things go wrong, because when they go right it couldn't possible have been a "poor choice" or a "bad decision" because they are usually happy.
Resilient Millionaire Training focuses on taking responsibility for your choices, owning your decisions and seeing the world in a way that only you have the power to keep yourself down NOT anyone else!
I know its hard to believe that you got into your situation because of your choices but it's true... really, nobody did it to you. Sure you may have been hurt by the actions of others but you chose those people in your life and you interacted with them. Yes you may have invested with them or bought a home, a car or loaned them money but REALLY... is it all their fault?
If you get real and examine what your part in the equation is you will see that you made choices and those choices were more significant than saying "yeah I got involved with blah, blah, blah" or "I'm a poor judge of character, a push over, I trusted them..." Both of those perspectives are simply a way of excusing your own responsibility and it allows you blame someone else so you don't have to see yourself and your choices.
Rarely have I seen a person who has lost money not look to another to blame them. Heck, an attorney, who was my law school contracts professor and my girlfriend at the time invested money to own part of my downline in a multi-level marketing endeavor, she even drafted the agreement for me and another investor and then claimed that I scammed her. I think she forgot that she was the attorney. The company that we represented (Zeek Rewards) was determined months later to be a scam in itself and thousands of investors lost money. Rondee, the attorney wanted her money back from me never thinking about the fact that we gave that money to others to invest so I didn't have it. You see having the others invest helped build the downline, she never thought about me, just about getting her money back. When I tried to discuss it with her the only mantra she repeated was "give me my money back" and wouldn't talk, she was so offended that I in her mind had scammed her".
What happens in the mind of a person who experiences financial loss that often times doesn't allow them to see the "facts", calmly discus the situation that took place and work it out? Everyone of us have "triggers"- financial issues get to the CORE (another book/training program of mine) of our triggers and can elevate or devestate.
The universe has a way of "cleaning house" in our life if we will allow it, be conscious of it and prepare ourselves for the dynamic effect of choosing a more conscious path. The Resilient Millionaire Book is truly a must have in your arsenal of "mental must have strategies" to ensure that your mindset is prepared for the challenges most of us face in living life.
Finding A Real Estate Agent
Finding a Good Realtor as Buyer
How do you know the realtor will take care of you? Here are a few tips that will hopefully help you to think a bit differently when choosing a realtor.
1. What are you looking to purchase? A home, an investment property that is a 1-4 unit residential, a commercial property or a 5+ Multi-family property. Knowing your objective will help you to find an agent that has experience in dealing with the intricate details that will be beneficial to you. Once you determine your desires, goals and objectives then you can ask the agent a series of questions such as:
a. Have you sold properties of this type before?
b. If so how many have you sold?
c. How long have you been a real estate agent?
d. Do you have good loan resources you can refer me to?
e. How long have you worked with your loan officers?
f. What will you help me to accomplish in the process of my purchase?
A few basic questions will help you make sure your are dealing with a person who understand your needs. There are many questions that won't help you if your agent isn't willing to be transparent so you will be required to use your intuition. Feel out the person with your "gut", listen to the verbiage they use are they positive or negative. Positive people use words like such as: "you can", "wonderful", "it's possible" and negative people use words and phrases such as "I doubt it", "time will tell", "if you say so...".
The perspective taken by your agent is important because they will be representing you. The agent you choose will be negotiating on your behalf to obtain the property you desire. A suggestion is a positive agent for a positive experience.
Subscribe to:
Comments (Atom)