Facts Matter

By: Dean Konstantine

There is a wealth of information out there and thousands of people ready to either teach you or charge you for information on how to best use the internet to create a business, create income or simply get you seen on the net.

The biggest problem I hear is who do I trust so I don’t spend a ton of money and not get any results. That is a great question, it boils down to getting a good referral from a trusted source.

Most people will never find the proper resources they need to accomplish their set objective for the internet, so finding or having the right people to help should be the highest priority for them. Next having those people at a price you can afford would be the next highest priority.

So, how does someone get themselves in a position to have great help at an affordable price so that months and even years are not spent in vain trying to create websites, populate them with content, get them listed on the search engines and finally monetize them so they create the income you’re looking for?

Simple, you latch on to a team that is already successful and one that is willing to teach you as you go but already has the systems in place to make you money right away, without you having to wait months or years to learn what you really need to know to make money.

There are many such groups out there and many of those groups are very successful, you simply need to find the right group for you that has likeminded people waiting to help you make your mark on the internet.

As the old saying goes information is power and power leads to success that sets you free. Simply put you can reinvent the wheel or you can jump on a wagon which already has wheels and is heading in the direction you want to go.

Here is such a group http://bizalliancenet.org or simple call Renee or myself to learn more 760.961.2332

By: Dean Konstantine

Some of you may have heard recently about a new company called GeneWize. Let me introduce you to Genewize. Genewize the first and only DNA based personalized supplement product formulated for your personal DNA make up available to the general public.

This is a revolution wellness because we, as ordinary folks now have the ability to see first hand where our genetic make may fail us in the future and we have the ability to do something about it.

Everyone wants good health, but most people can not afford expensive tests and treatments orchestrated by high priced medical personnel…. So we guess at what we need to keep us healthy based on what we read, hear or are told through casual contact with some sort of wellness guru.

GeneWize has taken most of the guess work out of personal health through customizing supplements that are geared to help fight off potential diseases found to be lurking in your DNA.

How do they do that? Well it works something like this… Your DNA has strands each strand should be complete to be healthy, but if some of your strands of DNA have small defects? That could potentially cause a serious problem for you today or in the future… Scientist have found through testing if they separate a defective gene and grow it in a culture, by feeding that defective gene massive amounts of nutrients (that it requires) the gene can continue to act as a normal gene and not give off fractional or false impulses to the cells it controls.

So, what does that mean to you? Well most people have defective genes lurking in their DNA ladder, those genes if not feed the proper nutrients will give bad information to the cells they control, causing the cells in some cases to malfunction. Couple that with bad habits of the host body and BAM! You have health problems.

Joining GeneWize and having your DNA tested will give you first hand knowledge of what genes are defective, Genewize will then create personalized supplements for you. How cool is that?

Now it gets better, this program is very affordable and will cost only about $3 per day for your special blend of vitamins and minerals.

What’s even more amazing, right now you have the opportunity to profit off of this ground breaking opportunity. GeneWize is going to allow independent marketing groups to market this product. Yes friends, you have the opportunity to be at the founding level of a product that is going to change the way that the World looks at health and wellness.

You might be thinking, I don’t know how to sell, I have never been in sales or worse I hate selling… Good news right now my marketing team is looking to bring on 10 to 20 NEW people to mentor/train in online marketing.

If you want to learn how to use technology to position yourself in the marketplace, if you desire to be a leader, and want to have the opportunity to share in MASSIVE profits Visit: GeneWize for more information.

My GeneWize team is looking to bring you into 1,000 to 5,000 dollars a month in the next 90 to 120 days. But don’t delay; leadership opportunities with GeneWize are only open for a limited amount of time. Being on the ground floor of such a fantastic opportunity with such and experienced group of mentors who are determined to help you succeed is as good as it gets.

By: Dean Konstantine

Leveraging assets is a good solid way of increasing net worth, for most of us leveraging means using borrowed funds from other currently held assets, and then putting those funds to work by buying income producing assets to increase monthly cash flow.

Sounds simple enough, but out of reach for the vast majority of people for a variety of reasons, but mostly because of fear, fear of the unknown which steams from lack of knowledge on how to make such a strategy work for them.

That is where I come in. I provide the knowledge on how to make a strategy such as leveraging to increase assets understandable, workable and attainable. First before anyone can feel comfortable working towards their financial freedom, they must fully understand the way things work.

Not having the right financial knowledge could be devastating at worst and down right frustrating at best. Having good solid sources to help you increase your knowledge is by far the most important way to keep your assets safe and growing.

Buying a bunch of books and CDs on wealth building, buying the latest do nothing business opportunity which promises big money each month, or buying the latest and greatest stock market investment system guaranteed to steal your money is one way to go about it. The wrong way!

Chances are you have a bookshelf full of wealth building books collecting dust, you may have even bought the latest get rich through real estate with nothing down system laying around, or you may have already bought some of the hundreds of infomercial get rich quick programs which have done nothing to build your bottom line. Now the latest craze is the internet with thousands of squeeze pages trying to sell you their easy way to riches, they temp you with the same lines, testimonials with pictures, money guarantees, how a guy dumber then you made 8 million dollars last year watching his mail box or PayPal account, all you have to do is spend a few dollars buying their very easy program. Yet some of these internet marketers are bold enough to ask you to spend a few hundred dollars for their foolproof system, why? Because they know many of you don’t feel a program is worth buying unless it costs allot of money! How crazy is that?

Have people made allot of money on the internet? Yes, will you jump in at this stage of the game and do the same thing? If I had to bet on it I would say no. Unless you’re a skilled programmer, highly skilled internet marketer or you spend every waking moment in front of your computer tweaking keywords, creating AdWords and banners and your willing to pay Google allot of money to get you noticed chances are no one will know you exist in cyberspace except a few of your friends and relatives.

So what is the answer? First stop falling victim to every snappy marketing campaign on how to make money quickly, cheaply or instantly! These are marketing words when combined with act now, don’t miss out or it will be more expensive tomorrow are calls to action, you must resist the temptation.

There are ways to learn without spending a ton of money! For example I give free seminars and webinars, cost nothing to attend and you will learn more in 2 hours then most people learn in a whole semester of school. Take your time learning about how things work, don’t rush it. Find a mentor who is willing to teach you, but don’t seek advice from your broke friends and relatives. People who are broke love to give advice to other people who are broke.

Follow along; I give valuable advice to elevate your bottom line no matter where you are today. To contact me email: deankonstantine@gmail.com My book will be available soon! Free eBooks available from Dean at http://adwordsmakemoneyonline.com

By: Dean Konstantine

If your looking to take advantage of all your assets, there might be one your not aware of, its called your life. Let me explain, most of us have the ability to get life insurance.. Life insure pays out when you die, but lets say you don’t want to wait for your demise to give the reward to someone else. There is a way to profit now by selling your policy to the highest bidder in a life settlement program.

This little known strategy can prove to be a substantial source of income at a time when people are in need. A 62 years and older individual with some assets can participate in a program which requires no investment by the owner for a return of thousands of dollars in a lump sum payback.

This program may eliminate the need for some to have to use a reverse mortgage to gain the needed funds to supplement their retirement income.

Reverse mortgage loans require a person to borrow equity back out of their home after spending most of their lives paying hundreds of thousands in principle and interest to the banks to payoff their mortgage. These loans are a devastating reversal of fortune on the unsuspecting individual home owner. The homeowner is forced to create a new mortgage with compounding interest ultimately favoring the lender offering the program so they can receive a meager amount of spendable monthly income. You may want to consider something different.

If you are an individual with a sizable estate we can in most cases (depending on your health) double or triple the size of your estate to create the additional funds for promised donations to organizations or for your philanthropy without taking away from your heirs inheritance.

These are complex strategies and you should an experienced professional to assist you. Do your due diligence, also your trusted advisor my not have the experience or expertise to accomplish this strategy as successfully as you might otherwise be able to achieve.

With our program the applicant is not required to borrow any funds out of their home or risk any of their saving!

If your considering a reverse mortgage or you are going to recommend a relative consider doing one… I have a free report that explains the truth about the reserve mortgage program and how it works. A must read!

For more information contact me at drkonstantine@gmail.com or call me at 760.961.2332

By: Dean Konstantine

Many people ask me what is an Annuity? So I thought it time I answer that question in the simplest way I could.

An annuity is a contract between you and an insurance company, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you. Now some annuities will begin paying you immediately and some pay you at some future date.

Annuities typically offer tax-deferred growth of earnings (which is not tax free, it just means your paying tax as you receive the payments, not as the annuity grows) and may include a death benefit that will pay your beneficiary a guaranteed minimum amount, such as your total purchase payments.

There are generally two types of annuities—fixed and variable. In a fixed annuity, the insurance company guarantees that you will earn a minimum rate of interest during the time that your account is growing. The insurance company also guarantees that the periodic payments will be a guaranteed amount per dollar in your account.

These periodic payments may last for a definite period, such as 20 years, or an indefinite period, such as your lifetime or the lifetime of you and your spouse.

In a variable annuity, by contrast, you can choose to invest your purchase payments from among a range of different investment options, typically mutual funds. The rate of return on your purchase payments, and the amount of the periodic payments you will eventually receive, will vary depending on the performance of the investment options you have selected.

An equity-indexed annuity is a special type of annuity. During the accumulation period – when you make either a lump sum payment or a series of payments – the insurance company credits you with a return that is based on changes in an equity index, such as the S&P 500 Index or other such Indexes.

The insurance company typically guarantees a minimum return on your annuity. Guaranteed minimum return rates vary. After the accumulation period, the insurance company will make periodic payments to you under the terms of your contract, unless you choose to receive your contract value in a lump sum.

Keep in mind you are in a contract and that contract may not be broken once signed unless there is an out clause. So, make sure you understand what you are buying before you sign on the dotted line. For more information you can email drkonstantine@gmail.com

By: Dean Konstantine

REO stands for, Real Estate Owned, meaning owned by the bank. Why do banks own real estate? After loaning billions in sub-prime loans to millions of sub-prime borrowers, (the PC word for borrowers will less then perfect credit or payment history) those borrowers most of whom never owned real estate before where sold loans with a built in payment adjustments to occur after 2 or 3 years of having the unusually low payments.

Once these loans adjusted and the payment increased by several hundred dollars over night those sub-prime borrowers where faced with payment shock and a payment they could no longer afford. So they simply walked away from there home mortgage obligation by the groves leaving an empty house for the bankers portfolio.

The mortgage industry experienced and explosion with the invention of sub-prime loan programs. Thousands of new mortgage banks sprang up all over the country most funded by leveraged money from Wall Street. Using borrowed money to make loans and having no real money of their own these banks were pocketing huge profits as long as the goose was laying golden eggs. After loosening the rains so much that people simply had to fog a mirror to get a home mortgage, the golden goose ran out of feed. It takes a short time to build a house of cards but only fractions of a second to make it crash. Once the proverbial sub-prime crap hit the fan these Johnny come lately mortgage banks simply filed bankruptcy to avoid their contractual obligations to their lenders of having to buy back the foreclosures. Hence, the mortgage bank implosion.

The banks holding the bag are now stuck with all those non-performing assets, thousand of homes in bad condition and not earning any money, in fact loosing money since the dollar keeps losing value and so much of their investment dollars are attached to non-performing assets.

With all that bad news from the sky is falling advertising by the news media, we are in the middle of an unprecedented buyers market. With foreclosures on the rise and no visible end in sight for the faltering mortgage banking industry, the opportunities are abundant for people looking to make good money.

Politicians are crying fowl for the sub-prime borrowers; they want to protect these unwitting players from the big business schemes. So let’s examine the problem. Sub-prime borrower could not qualify for a home mortgage prior to the invention of the sub-prime loans, so they were renters. They were allowed to buy a home with a sub-prime mortgage because the mortgage had an initial payment that was more like paying rent then a real mortgage payment. Many of these sub-prime borrowers where given the loans with little or no cash out of pocket and most allowed to borrow 100% of the sales price plus the closing costs. Once their payment adjusted to the point they could no longer afford it, they simply walked away from the home after living in it payment free for six to twelve months while foreclosure was pending. Were they exiled or banished? No they went back to renting. So who was hurt?

The smart investors, honest money makers and individuals who are just plan awake, are seeing the huge opportunities all around them. Buying foreclosures now sometimes for as little as 50 cents on the dollar and turning the home into a rental or reselling to another investors is a huge opportunity in this market.

For more information on this type of opportunity simply email me at drkonstantine@gmail.com and I will assist you.

By Dean Konstantine

Under current rules of the SEC (Securities and Exchange Commission) once a loan is securitized it must stay off the lenders financial balance sheet and cannot be modified. This rule is regulated by Accounting Rule FAS 140

Recent events in the sub-prime mortgage industry have Congress seeking answers from the SEC who is scrabbling to interpret FAS 140. Everyone is hoping SEC interpretation will allow lenders to modify loans if the loan appears in danger of foreclosure

Under FAS 140 once a loan is securitized all future earnings of the loan are sold to the trust where they are pooled with similar assets help by the trust. Once the loan proceeds are transferred to a trust the loan cannot be modified until one month after foreclosure occurs. This of course does not help the current situation.

Under FAS 140 which governs accounting practices for securitizing loan proceeds, lenders are reluctant to make modifications to loans for fear of SEC rule violation. (Isn’t it nice how the government has placed the fear of god into the business world?)

A letter has been issued by SEC chairman Christopher Cox. In his letter, Cox said that “modifications undertaken when loan default is reasonably foreseeable should be consistent with the nature of modification activities that would have been permitted if a default had occurred.” Conrad Hewitt, the SEC’s chief accountant, explained in an accompanying memorandum that the ability to restructure mortgages when default is foreseeable is “not inconsistent” with the notion of “continued off-balance sheet accounting treatment.”

So, without coming right out and saying so, it appears the SEC will allow modification to loans that appear in danger of default! This is great news, at least for now.

Lenders are now free to modify sub-prime loans and prevent the flood of foreclosures looming on the horizon.

Hopefully, fears will begin to subside and confidence in the mortgage back securities market can be restored in the near future.

For more information email me at drkonstantine@gmail.com or call me at 760.961.2332

By: Dean Konstantine

It could mean jail time if your not careful. Asset protection is not a legal term it can not be found in any US codes or in any state statutes. There are no real courses taught in law school which teach asset protection and although there are some continuing education course given to the legal and estate planning community the teachers of the course have little experience in court defending or perusing assets.

All this is changing, in fact, the Real Property, Probate and Trust Section of the American Bar Association has formed an Asset Protection Subcommittee. Within the last 10 years, close to 20 countries and four states have passed some form of asset protection trust legislation.

Today, many estate planning attorneys and other wealth planners who have at least a working knowledge of the concepts involved in asset protection planning are of the view that it is a necessary component of planning. Many planners feel that the failure to advise a client about asset protection planning options may be grounds for a claim of malpractice.

There are many people out there that profess to have bullet proof strategies to protect assets through a verity of schemes most it not all of them do little to really protect assets when it gets right down to it.

To understand asset protect you must understand it requires a two prong approach, first part of any asst protection plan must include legal risk management which is a strategy for minimizing legal risk by diverting potential problems and secondly, should risk management fail a plan for judgment shielding of assets is necessary.

You must understand there are 2 schools of thought when it comes to asset protection.

1.) Is it morally right to protect ones assets from creditors or potential creditors?

Here is the legal problem, if you have a very good bullet proof asset protection program and one day you end up legally intoxicated behind the wheel of your auto and you get in an accident whereby you kill an innocent motorist, should your assets be free from harm? This is a question the courts and judges will consider when looking at your asset protection program and whether or not to dismantle your program to make it available to satisfy legal judgments.

2.) Should all assets be protected regardless of circumstance or action of the asset’s owner?

It is a popular belief people who practice asset protection strategies are guilty because they would not need to get involved in asset protection if they did not want to shield the bulk of their assets from civil action or potential judgments from creditors, unless they were not planning to do something wrong. This belief can be found in many court rooms from judges to juries and everyone in between. A natural reaction to a person going to great lengths to protect his/her assets must be guilty of something. And of course they would not be here in court if they did not do something to bring themselves here.

Understanding this will help you chart the right asset protection plan that will work better for your circumstances. If you are planning to hide your assets and then run to Bankruptcy court to BK the judgment think again. The new bankruptcy bill would destroy the ability of “high earner” individuals to file a Chapter 7 bankruptcy and extinguish debt without sacrificing significant income. The bill also limits the homestead exemption to $125,000 in bankruptcy for many debtors, and contains a 10-year look-back provision in “fraudulent transfer” asset protection trust situations. If you’re hiding your assets, don’t be surprised if you’re ordered to bring your assets out of hiding or be held in contempt of court whereby, you will be jailed until you agree to comply.

The easiest way to protect your assets is of course to divert the liability form you to an insurance company. Most people do this in the form of home owners and auto insurance. Many do not think about liability insurance to protect them from their negligent acts or actions. This of course is very expensive to fund depending on the coverage you feel you need.

First it is important to understand that nothing is 100% protected except and this is a big but, your retirement income from a legally recognized ERISA retirement plan (Employee Retirement Income Security Act), of course there are exceptions to the exceptions, they are the IRS placing a tax lien on your retirement and a QDRO (Qualified Domestic Relation Order) which allows for spousal, child and other dependant support.

Additionally, you can purchase your primary home in a state where homestead laws allow you to protect more of your real state assets than other states do. But there is a new exception to this rule in bankruptcy court. A notable feature of the new Bankruptcy law involves the homestead protection available in many states. Florida, Texas, and Iowa, for example, protect unlimited amounts of homestead value. Homestead would still be protected to the extent of existing state law if it has been owned and lived in for at least 3 years and 4 months.

Finally life insurance and annuity income is exempt from judgments in most states, but there is a considerable amount of information which needs to be considered while planning your protection program.

To protect your financial future you must take this subject very seriously and keep in mind that it takes a team of experts to build the right plan. To learn more about this subject I would strongly suggest you email me at drkonstantine@gmail.com or call me at 760.961.2332

Also, keep this in mind work with organizations which are leaning on politicians to keep individual rights and protection in place or to strengthen them.