The Simple Man's Guide to Real Estate

Simple Man's Guide to Real Estate

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Principles of Success

Bill's Blog, "Success By Design"

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• Cash in your pocket at closing on properties you actually choose to buy as rentals
• How to get OVER market value on any property you sell
• How to sell quickly and easily
• How to prevent late rent payments if you choose to own rentals
• How to pay TOP DOLLAR for an otherwise unattainable property and STILL make a huge profit - without ever owning the property
• How to own - and profit from - part ownership in properties you pay NOTHING for
• Making profits helping homeowners to avoid foreclosure
• MORE profits from properties you don't own
• Still MORE profits out of a property by "culling"
• Profits FOREVER from land you own but never pay for

MORE, MORE, MORE...

Examples of each strategy, with detailed instructions. Practical exercises so you can test your new skills before going into the field. Even a glossary of terms you will need to know. There has never been a more complete and thorough course on practical real estate investing for the common man.

There's more, but we're not going to ask you to sit here reading this for hours on end.

Order the program and judge for yourself -
you risk nothing with our LIFETIME guarantee!

Does This Work Everywhere?

The techniques detailed in The Simple Man's Guide to Real Estate work well - and are 100% legal - in all 50 states without exception. Our program has been sold and successfully used in 19 other countries, including Canada, Mexico, Australia and England.

Property prices do not matter, whether you live in Malibu, Long Island or "Sticksville". The only difference will be in the dollar amount of your profits. If you earn even a 10% profit on a transaction, your profit on a $60,000 property would be $6,000, but your profits on a $600,000 property would be $60,000. So, do not worry if you live in an expensive area, as you are actually rather fortunate.

One or more of the techniques detailed in our program will be suitable for nearly ANY property, anywhere in the US.

But what about other countries? While we cannot state with certainty that all our techniques work equally well in all countries, the program works in all countries whose real estate laws are based on old English Common Law (England, US, Canada, Australia etc). We have sold the program in numerous countries (even China) without any of our customers experiencing noticeable problems. And since we offer a no-nonsense Lifetime guarantee, even if it fails to work in your country you cannot lose.

NEW! Interactive Version on CD

IntelliBiz uses state-of-the-art technology to make learning real estate investing FAST, EFFECTIVE, EASY and FUN! Unlike ordinary, bulky text books that make it difficult to find the info you need when you need it, The Simple Man's Guide to Real Estate is now available as an integrated, interactive program on CD - easy to use and easy to understand. Never has learning been made so simple and FAST!

The entire program has been created just like an interactive website except that it is used offline. Just load the disk into your computer and you have instant access to any chapter, any time. But that's not all.

Real estate is a complex field. In order to truly understand even a single technique, you must often be familiar with other techniques. This is because every transaction is different, and many depend on other aspects. So, our interactive program is designed to give you instant access to any other information you may need, all with a click of your mouse. As you study each chapter, key words and phrases are hyper-linked to help files  and other related chapters that provide you with any other info you may need on the subject at hand, even if you haven't read that chapter yet! This makes it easy to cross-reference your information. It also makes it a "snap" to find any piece of info you need, instantly, without having to thumb through a text book. Never has learning been easier, or faster! Combined with our exclusive, FREE online mentoring,  Fool-Proof Agreement Maker  and  Market Value Calculator software applications, this is an unbeatable combination that will make you a professional investor in record time.

This Interactivity provides a much more effective and efficient our method. You'll be making money in real estate in no time at all!

Exclusive Real Estate Contract Software

Fool-Proof Agreement Maker CD
Market Value Calculator spreadsheet

IntelliBiz, publisher of the "Simple Man's Guide" series has produced software that will write the perfect offer  and/or contract on a property, every time. The software asks you a few simple questions, and then creates the perfect agreement for you. Simply choose the best type of offer to use (Purchase, Option, Lease Option, Contract for Deed, Sales), based on YOUR personal preferences and goals. It makes the toughest part of Real Estate investing a cinch, and insures maximum profits. It removes all  the guesswork that can lose profits. Best of all, you can print out the finished contract and it is ready to submit to the seller. And you can edit previous offers if your seller counter-offers, so you don't have to start from scratch each time. This program is an absolute must for all real estate investors, whether novice or pro. Regularly $49.95, it is included FREE when you order "The Simple Man's Guide to Real Estate".

Another software application - the Market Value Calculator -  is also FREE with every order- it will allow you to easily determine the market value of a home efficiently and accurately. Simply input the information about the property and this efficient spreadsheet program will automatically generate the market value, based on values in your geographic area at any given time. As the economy changes, you can change the multipliers to accommodate these changes, all with a single keystroke. This spreadsheet program is comes in Excel and Lotus 1-2-3 & Quattro Pro format. (Reg. $19.95) FREE with any program.

So...  if it has ever been your intention to learn about simple, effective real estate investing, now is the time to take action and

Are There Any Bargains Out There?

There are three kinds of real estate markets - a "neutral" market in which there are roughly the same number of buyers as sellers; a "buyer's" market in which there are more Sellers than Buyers; and a "seller's" market, in which there are more Buyers than Sellers. The most difficult for the investor is the Seller's Market, because sellers have the advantage.

But even in a Seller's Market, approximately one in twenty properties is a bargain (in a buyer's market, this figure could run as high as 5 in twenty), and most others can be flipped quickly as buyers fight over available homes. The Simple Man's Guide to Real Estate details how to find - and profit from - these properties. For now, however, your question is likely to be "Why would anyone sell below market value, especially in a Seller's Market?"

Here are 10 reasons (there are more) that exist regardless of the type of market:

1. Death. Heirs usually want to sell fast, to get their share. They probably don't even know what the property is worth. They may even live out of state, unaware of the future potential of the area.

2. Divorce. Couples separate, often resulting in the need for an immediate sale of property. High emotions can lead to great deals for the investor - sometimes out of spite for one another, sometimes because the immediate sale is ordered by the court.

3. Transfer. Many people get transferred by their employer, or take on a new job in another geographic area. They usually want to sell quickly, as they may need the profits to buy their next home.

4. Bankruptcy. This may force an immediate sale of property, often at discount prices or very easy terms.

5. REO's (properties owned by a bank). Federal law states that banks are limited to the dollar value of real estate they may own. When they have reached that amount, they may be willing to accept terms they otherwise might not have considered.

6. Management problems. Apartment house owners often suffer from mismanagement that causes losses and headaches. They just want out, and they want out NOW!

7. Taxes. Being hit with a large tax bill can induce a person to sell quickly. He may also want to sell low, to keep from increasing that tax bill any further.

8. Medical bills or college tuition costs can often induce a person to sell quickly.

9. Absentee owners may want to cash out quickly either because they cannot manage a distant property, or perhaps they want to invest in a better investment, and need the cash quickly to take advantage of their new opportunity.

10. Impending foreclosure. Rather than lose all their equity, they will settle for just a portion. So they want - and need - to sell right away.

Yes, bargain properties are always available, everywhere, regardless of  other economic factors. The Simple Man's Guide will show you how to find them, and how to profit from them without spending or risking a dime of your own money.

Personal Online Mentoring

IntelliBiz, publisher of the "Simple Man's Guide" series realizes that no program can teach you everything, as each transaction is different. Therefore, we will provide professional, unlimited online mentoring to our customers at no extra charge (other programs charge $1900-$45,000 for this option). You will be assigned a personal advisor who is well-versed in real estate investing - a true, experienced professional chosen from our own team of investors. If you have questions, encounter problems or need assistance when putting together a transaction, just email your advisor, providing him/her with all pertinent info. Your advisor will usually respond within a few hours depending on the complexity of the question/problem.

Having your own personal mentor can mean the difference between success and failure. Whenever learning something new, it helps to "hold someone's hand" until you get the hang of it and become more secure and confident in your own abilities.

WHY! Countless people have asked why we provide free online consulting. Simply put, we will not offer an incomplete program designed to bait the consumer, then try to get him to up-grade (at a high cost) in order to be able to use the information they purchased. Our program is complete and self-contained - there is nothing else to buy (except real estate, of course :o)

Our number of qualified, professional advisors is limited. Once they are booked up and have enough clients, the Simple Man's Guide to Real Estate will temporarily be made unavailable until the mentors are freed up, so if it has ever been your intention to learn about simple, effective real estate investing, now is the time to take action and order.

IMPORTANT NOTE: A few individuals have asked that we include a telephone number so they may speak in person to someone before purchasing our program. With all our advisors providing nearly 24 hour support and online consulting to thousands of clients, our lines are almost always tied up in modem use - we take our obligation to our clients seriously. When we previously posted a number, the calls became so abundant and LONG that it seriously interfered with serving our members. That is why we discontinued telephone consultations. Undoubtedly this has resulted in a few lost orders, but we feel that is more acceptable than depriving paid clients from the service they require. We apologize if this policy results in anyone not pursuing real estate investing to secure their future. But you will come to appreciate this policy when you are the one who requires a consultation when making an offer on a property that will put thousands of dollars in your pocket. You will want us to be there for you. And we will be.

First-Time Buyers

First-time home buyers will find a money-saving special section devoted to the needs of first-time buyers, including:

• How to determine how much mortgage you can afford

• How to qualify more easily for that mortgage

• How to get more home for your money

• How to avoid paying a down payment

• How to avoid closing costs

• What to look for in a property

• What to watch out for

• FHA/VA/HUD financing

• Understanding settlement (closing) costs

• Much more

This is an excellent resource and is guaranteed to save you many thousands of dollars when buying a home.

3 Great Tips for First-Time Buyers
You'll never learn tips like this anywhere else

TIP #1:  To save closing costs, first negotiate a lower selling price (example: asking price of $90,000 negotiated down to $82,000). Once this is accomplished, try to talk the seller into paying 1/2 the closing costs. Likely, he will refuse. That's when you say something like, "I'll pay an extra $3,000 for the home if you will pay $3,000 of the closing costs." Why wouldn't he? He still gets the same amount of cash at closing. But what you have done is to transfer the $3,000 in closing costs into the purchase price and into your mortgage. Instead of paying $3,000 cash out of pocket now, you instead will be paying a mere $20 per month more for your mortgage. So, now that you have saved $3,000, here is another neat tip that will make home ownership even easier...

TIP #2: Take the $3,000 you just saved during negotiations (and before getting your mortgage, if possible) and pay down your short-term debts - car payment, credit cards etc. This will do three great things for you:

1. It will save you at least $200/month in payments. This extra $200/month can now be used to help pay your mortgage payment each month, making it much easier for you

2. It will reduce your debt enough so the bank may allow you to qualify for a bigger mortgage, or reduce the points etc.

3. It frees up your credit, so you will be able to access more credit in case of an emergency.

TIP #3: The best tip of all - Get many more valuable tips that can save you many thousands of dollars - order a copy of "A Simple Man's Guide to Real Estate", jam-packed with hundreds of tips and strategies that save you many thousands, and can increase your net worth by tens or hundreds of thousands.

Why Home Buyers Need This Program

The principles that allow real estate investors to make the greatest possible profit are the same principles that can get you more home for your money, get it with a smaller (or no) down payment, eliminate or reduce closing costs, provide you with much greater increase in your personal net worth and insure a much higher profit when you eventually sell.

By making the best possible deal when you buy, you will be in a much stronger position for financial gain when you refinance, lease or sell the property in the future.

Remember this Cardinal Rule of real estate: Real property has only two purposes. Either it provides a residence in which to live, or it produces income. In both cases, the addition to net worth should be a priority consideration.

What Other "Gurus" DON'T tell you!

There is no doubt that some people can and do make a lot of money using Mr. Sheets' program, or programs by Tom Vu and other real estate "gurus". Most contain some good, basic information that can make you successful. However, as stated in their infomercials, the results they show are not typical . In fact, the vast majority of folks who purchase such programs fail miserably, and here are just a few of the reasons why:

(We don't mean to "slam" other programs, but we believe you have a right to know the bad, as well as the good before you invest your hard-earned money on any program - even ours!)

OUTDATED! Most of the strategies in such programs are now considered "standard". The same info, in greater detail, can be found in your local library in books such as "No Money Down" by Robert Allen, or books by Hicks, Cook etc.. Too many sellers are aware of these strategies, and too many people are trying to use them. They have been around since the '60's & '70's. And most no longer work because much has changed over the years.

The techniques in our "Simple Man's Guide" are updated continuously -
and future updates are always FREE!

THEY provide NO personal consultations or advice unless you are willing to pay some big money. No one-on-one assistance. No one to answer your questions or provide expert advice. You are on your own!.

We provide FREE, unlimited, professional mentoring, for as long as you need it.

Nearly his entire system (Carleton's) depends on finding properties with "assumable" mortgages and lease options. Such mortgages are getting very rare - even the newer FHA/VA financing is only assumable under certain conditions. Banks have not written assumables since 1978; FHA put conditions on theirs in 1986.

Our program has no such limitations, with a vast array of techniques -
one to fit nearly any situation.

RISK! Most of the strategies in these programs require that you actually BUY - and OWN - the real estate. This always incurs risk. Tenants may leave you with empty buildings, rents not paid, building damages etc. There is maintenance to be done on an ongoing basis. As in the late 80's, real estate values can plummet, putting an "alligator" in your pocket. Income, if there is any, comes in a small trickle as tenants pay rent.

Our program includes many techniques that are completely RISK-FREE.

COMPLICATED! Most of these strategies require a good deal of real estate savvy, and the writing up of hundreds of offers to get one or two "takers". Their programs tell you what to do, but not enough detail on how!

Our program details the HOW, as well as the WHAT. And your free mentor
can walk you through everything, step-by-step.

If your salary is not high and your credit very good, many banks will not even consider giving you a mortgage on more than one property. Banks do not care if rents exceed expenses - they know that it only takes one or two vacancies to put you - and them - behind the 8-ball! Take a hint from them - they know about money.

Using our program, banks are not even necessary, resulting in NO LIMITS!

Most other programs do not go into enough detail in how to structure an offer, or how to increase profitability. Not enough variety in techniques, dependent primarily upon the Lease Option approach.

Our program offers a great variety of techniques, as well as
insider tips for added profitability.

They provide no simple way to prepare offers and contracts.

Our Fool-Proof Agreement Maker software writes these for you,
quickly, easily and without error.

In most cases, THEIR agreement forms/contracts closely resemble those used by Realtors, which favor the SELLER, not the BUYER.

Our agreements have been specially crafted  by Real estate Attorneys to favor you - the investor. An important difference! Take a look...

1. Realtor contracts do not include clauses that allow you to show the property (as an investor, you cannot find a tenant or buyer until after you close). Our agreements include the RIGHT TO SHOW clause, saving you time and money.

2. Realtor contracts prevent you from being present when the offer is presented to the seller. Our agreement includes a clause that provides you the RIGHT TO BE PRESENT, so you can explain to the seller how your offer benefits him. Realtors will not do this - in fact, most will not even know how the seller would benefit.

3. Realtor contracts are designed to lock you in. Our agreements provide up to (8) different contingency clauses that allow you to walk away if the deal isn't working for you. You risk nothing!

4. Realtor contracts automatically require the buyer to pay nearly all closing costs. Our agreements provide you with the option of having the seller pick up some, if not all of these costs, saving you thousands of dollars.

5. In fact, our purchase agreements are probably the most buyer-oriented agreements available, and can increase your profits by as much as 100% or more.

A Simple Man's Guide to Real Estate is different - there is NO RISK. You do not need banks, because you don't have to buy the real estate unless you want to. There are no mortgages to pay, rents to collect and there are no credit checks. It is simple, efficient and risk-free (it is also 100% legal in all 50 states).

And it doesn't matter one bit if the existing mortgage is assumable or not. And, because we provide numerous techniques, you do not have to walk away from profits simply because the seller doesn't want to Lease Option, or because his mortgage isn't assumable. No matter what the circumstances, no matter what type of seller or property, there is a strategy designed to profit you. We believe that an investor should have ALL the available tools of the trade, ready to use at the right opportunity.

And we are here for you, to answer your questions, provide expert advice and to assist you in making the right choices. Professional consultation services such as this would cost you hundreds or thousands of dollars anywhere else (and would be well worth it), but are included free with your course because we really want you to succeed.

Of course, for benefit of those who want to buy and own real estate, our techniques can accomplish this as well. Or even if you simply want to buy your own home and want to save thousands of dollars doing so. There is no obligation on your part to sell the properties you obtain. In some cases, where profits can actually be increased with little or no risk by holding, we even advocate it. Ordinarily, however, and for those who just can't afford to become full-time investors with full-time obligations and headaches, we promote the concept of having the property re-sold before you even buy it.

There are other reasons, but we are sure you get the point.

Economic Factors

This is what really sets our program apart. Our techniques are not affected by economic changes, nor are your profits. Here's why:

1. When you buy and hold, as advocated by other programs (Carleton Sheets et al), you own an expensive asset that is subject to economic changes. With mortgage payments that do not change, this can hurt you in a "down" economy. Our techniques do not require that you buy and hold. If you buy on February 1st, and you sell for a profit on February 1st, the only economic factors that affect you are those that exist on February 1st.

2. Our techniques, when used to buy and hold (by those who choose to do so) are designed to provide you with either "up-front" cash or additional equity and profits not otherwise available. So, if you buy and hold and the economy sours, you have a wide safety margin - lots of equity (that cost you nothing) and cash already in your pocket. It is unlikely that, short of a wide-scale long-term depression, that you would lose anything.

3. By cashing out immediately at the time you buy, you may use your cash to invest in whatever is best during that type of economy. With cash (instead of real estate, which is not "liquid") you are more flexible, and have more options available to you. And, you are not tied down with mortgages, taxes, insurance and maintenance.

Profits From A Seller's Market

No other real estate investment program that is commercially available today includes techniques that can keep you in the money even during a Seller's Market and a Buyer's Market. Only The Simple Man's Guide to Real Estate includes these "hush-hush" trade secrets of the real pros.

In a Seller's market there are more buyers than there are properties available. Sellers have no problem getting top dollar, or even more than market value, quickly. Homes in a seller's market are usually sold to the highest bidder. This makes it nearly impossible to invest profitably when trying to use most other programs.

But The Simple Man's Guide shows you, in step-by-step detail, how to invest at huge profitability even during these times, without investing a dime, and without any risk whatsoever. For example, we show you how to pay OVER market value and still make a huge profit, and because it is a seller's market, we show you how to re-sell the same day and cash out your profits. After all, if you "hold" a property purchased during a seller's market, eventually the market will become sane and the property may easily become worth less than you paid. So it makes sense to maximize and profit from a seller's market by re-selling immediately. You can usually pocket about 5-15% of the market value of the property, quickly and easily.

What is a Discounted Mortgage?

A Discount Mortgage refers to a mortgage that already exists on a property and held by a private party who wishes to sell that mortgage for a lump sum - like selling a winning lottery ticket with small annual payments in order to get a large sum now. These "notes" are created when a seller "finances" part of the property he sells. When you see ads that say "seller financing" or "seller will carry", that seller will accept a mortgage on the property rather than take all cash.

When you find someone who holds a mortgage they want to sell, the rule of thumb is that you should be able to purchase it for about 50-80% of its CURRENT face value, depending on certain factors such as the interest rate, loan-to-value ratio etc.

Do not confuse "discounted mortgages" with mortgages you may get on properties you buy. A mortgage is first written against the value of a property for the purpose of buying it. Sometimes an individual, rather than a bank, will write this mortgage. Months or years later, this individual who holds this mortgage that is giving him a monthly income (the home buyer is paying him like he would pay a bank), well, the mortgage holder may decide he needs cash - maybe for medical bills, a child going to college, or maybe he wants to see the world on a cruise ship. So, he puts the mortgage up for sale. It is an asset. Mortgage brokers and investors buy these, usually paying 50-80 cents on the dollar (against the CURRENT face value, not the original face value). This, then, is why they call it a discounted mortgage.

By the way - when you get a mortgage from a bank, the bank probably will not keep it. They will sell it at discount to FANNIE MAE or FREDDIE MAC. You still pay your payments to the bank. They keep their share and send the rest to FANNIE or FREDDIE.

To determine current face value of a mortgage, use a "Monthly Loan & Mortgage Payment Tables" such as those found in the booklet by W.T. Rogers, available at most bookstores and stationary shops. In the back is a table that lets you easily determine current face value. Most computer spreadsheets (Excel, Lotus, Quattro Pro) can also determine these values for you.

The Simple Man's Guide to Real Estate includes further details on these wealth builders, how and where to obtain them, how to use them to substantially increase your net worth quickly and how to obtain them without spending a dime of your own money. 

Other Help Offered

IntelliBiz, publisher of the "Simple Man's Guide" series doesn't just want to make a profit for themselves. Their ultimate goal is to help other people to succeed. If we do that, and do it well, we will never have a shortage of customers and our own future is assured.

Therefore, we will do whatever it takes to help you succeed. With your purchase of The Simple Man's Guide to Real Estate we include a free personal online mentor to help you through the entire process, and to answer any questions you may have. But we don't stop there.

Our newest feature is your own Investor's Home Page. You may use your Home Page to locate buyers, sellers, partners, other investors, or even to seek out discounted mortgages. Use your page to let everyone in your region know that you buy and sell real estate and mortgages. You page will help you to find more properties to buy, help you find buyers for properties you are selling and will help you obtain the discounted mortgages that play such a vital role in your ultimate success.

IntelliBiz will build your web page for you, to your specifications, at no charge. We will then host it on the server and maintain it for you, as well as promote it with all the major search engines.

And all of this is at no cost to you!

Get-Rich-Quick?

If you are looking to get rich quick and easy, you're wasting your time here. Not because this program is not capable of earning you a lot of money relatively quickly (it is), but because the "Get-Rich-Quick" mentality is not a healthy attitude to have in real estate, or any other legitimate career. If you apply yourself and it happens, fine. But if a  person's main concern is "money fast and money easy", that person is simply not the type to invest the effort and care required when dealing with buyers and sellers.

IntelliBiz does not believe in the concept of "get-rich-quick", but does not discount that it can happen. Our program is designed to help you to achieve your financial goals, whatever they may be, within a reasonable time frame.

Depending solely on your effort, you can either settle for a few extra thousand dollars a year or go for a few hundred thousand or even millions. Be aware, however, that it is not "easy", nor is it "quick". Sure, our strategies are simple, but they do require that you do legwork, and lots of it. They also require time - many transactions take weeks, even months to complete (although the actual time spent on the deal is only a few hours).

Please bear this in mind as you contemplate real estate investing.

Do I Have To Be A Landlord?

The "Simple Man's Guide" is primarily designed to make you large profits in real estate without the usual risks or hassles. Personally, the authors do not often buy properties to hold and maintain in the hope that the economy will stay strong and create appreciation. Meanwhile, all those hassles of monthly expenses, late rents and maintenance is simply more work than the authors care to experience. Time spent maintaining properties for a few dollars in rent is time that is not being used to make thousands in real cash profits in the pocket now!

Still, we realize that some people actually want to be landlords. Our strategies are designed to accomplish either - you can profit without owning, or you can use these techniques to buy and own as many properties as you wish. That choice is yours, and yours alone.

Why Not Buy and Hold?

Other real estate "gurus" will give you a lot of great reasons to own a ton of real estate, but we will give you three better reasons why you should not (at least, not always). Bear in mind, our methods can be used regardless of whether or not you want to flip, or hold.

1) It is hard to "buy right" and still get a positive cash flow. And even when you do, all it takes is one small disaster (a new furnace, roof etc.) or a 2-3 month vacancy to put you behind the 8-ball.

2) Most folks invest in rental properties for the income. Unfortunately, this income trickles in, in small amounts. As such, it is usually spent along the way. In 10 years, you will not have substantially increased your net worth. But when you buy and resell at a profit, you get your profits in a large sum, right now. You can use some for living expenses and re-invest the balance to increase your net worth substantially, and quickly *(see below).

3) Even seasoned investors can't always judge the "bottom" of a real estate cycle accurately, nor be sure when the cycle has "topped". You would have to be lucky to make a maximum yield on property you hold.

* When you buy and hold, your cash is tied up in a property. This limits the number of properties you can buy. Also, banks do not like to give 2, 3 or more mortgages on "income" properties, because mortgages are based on your debt vs. income. If you already have a mortgage (debt), will the small income from the next property be enough to qualify for the additional debt? Not likely.

But when you buy and resell, you can immediately re-invest in another property. You have no debt and you have plenty of cash. You can legitimately buy as many properties as you wish, as often as you want. Instead of 1-2 buildings a year that produce a trickle of income, you have turned over 12-15 or more properties, each of which has increased your net worth by $5,000-$50,000 or more. All this cash puts you in an even better position to buy twice as many properties next year.

Of course, since you are getting involved in many more properties this way, once in a while you will find a particularly attractive deal that it will make sense to hold. Soon, you will not only have what that other guy has (a few choice rentals) but also a bankful of cold, hard cash - something the "buy and hold" investor will likely never have.

How Legitimate is This

IntelliBiz is a respected member of the business community. We adhere to the ethical standards of the Better Business Bureau.

We have been serving the Internet community since 1991, long before most people were even aware of the existence of the Internet.

Our programs have all been carefully designed to promote these same standards.

We encourage you to contact the Better Business Bureau if you have any doubts about any business - even ours - that you find on the Internet.

WHO "WE" ARE

We are the founders of the Wealth Network Investment Club, a private group of individuals who, since 1986, have been developing and using the techniques offered in this program. Most of our strategies are either new, or are older techniques with a new twist or two. (Bill Vaughn, founder of the group and author of the Guide has been investing since 1969, taught by his father who started in 1918! Bill developed most modern methods of "flipping" back in the '70's, and originated the first Reverse Mortgage in 1988, a strategy that has since been adopted by banks.)

When each of us first started, none of us had a bright future, working for minimum wage, no credit and no money. That has all changed, obviously. In 1991 we realized the Web would become like real estate, with everyone wanting a piece of it, so we founded IntelliBiz as a way of "giving something back". And we are having the time of our lives!

Our program is far different from anything else available. When you order, we provide you with your choice of Interactive or Text version featuring all of the materials you will need to be successful. We also provide an Instant Download of the entire program, so you can start right away.

You also receive Personal Online Consultations where we walk you step-by-step through your transactions, and answer your questions - how to write the offer, how to follow it through to successful completion. We even provide free software that will help you write the perfect contract every time.

Even our guarantee is different. Unlike other programs that offer a 30 day money-back guarantee that does not allow you the opportunity to actually TRY the strategies, our guarantee gives you 12 full months to try it. If you are not satisfied with the results at any time after that, simply request DOUBLE your money back - and you still keep the entire program! NO QUESTIONS ASKED!

If not prepared to invest 12 months trying these techniques to achieve wealth, please do not waste our time and your money.

Our Legendary Lifetime Guarantee,
Refund Policy and Privacy Policy

All of our competitors pride themselves on their "iron-clad" 30 day guarantee. But IntelliBiz realizes that no one - not even a professional investor - can demonstrate the effectiveness of even one technique in just 30 days. That's barely enough time to study and learn the materials! So, how do you know those techniques will actually work for you?

This is why IntelliBiz offers a full lifetime guarantee: Use the techniques and mentoring for one full year, on us. If you then decide our program has not proven satisfactory (you decide what is satisfactory), simply request DOUBLE your money back - AND STILL KEEP THE ENTIRE PROGRAM! That's right, the program is yours to keep, even if you request a refund. That's all there is to it - and that's how confident we are that you will find the value in this program. We give you enough time to determine the true worth of our program by letting you actually go out and try these simple, effective techniques. That's how certain we are that they can help you to realize your dreams. All we ask is that you do your part - actually try these techniques for yourself.

PRIVACY POLICY: IntelliBiz shall never sell, trade or otherwise transfer any information received from any customer or visitor. This includes email addresses, names, phone numbers or any other information provided by the customer. Your complete privacy is assured. All online order forms are secured using SSL technology, and the only "cookies" we use are chocolate chip, fresh from the oven.

Thank you for visiting us. We hope your stay has been worthwhile and educational.

IntelliBiz staff
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