Chat Transcript June 19, 2006
Posted on June 20, 2006
Mike_Summey: Hi everyone!
MarkCT: Hi Mike
jdr: Hey, Mike
SCMan: Hi
infopower9: I am but it is not possible to buy something in NY - no cash flow
oZ: HI mike
MarkCT: infopower9 I know I live in Stamford CT. That’s why I buy property elsewhere.
jdr: How about Chicagoland? Anyone know the possibility here?
MarkCT: OK
SCMan: Lots of cheap RE in South Carolina
Corey: Hi Mike and Hottie
Mike_Summey: Hi Corey, Hottie, infopowers9, oz and others!
Mike_Summey: There’s our programmer.
Mike_Summey: Hi Patrick
hottie: Hey Corey, Mike..
Patrick: Hello, Thanks for the invite1
Mark_Nadelson: I got your Email Mike. I’ll FedEx the new CD tomorrow.
Mike_Summey: Great Mark. Sorry about the problem, but you saw what they said.
ken: Mike do you use a cap. rate when purchasing properties?
Mark_Nadelson: No problem.
Mike_Summey: Okay everyone! We have Mark here so talk to him about the Offer Generator.
Mark_Nadelson: ken I hate to speak for Mike but it is all about the noi. If the number’s work that it is a good investment.
Mike_Summey: ken, I use Net Operating Income (NOI) to establish the kind of offers I will make.
ken: thats what i though, I was reading matts book and came across the cap. rate. thought i’d ask
Mike_Summey: The Offer Generator is a program that walks you through the process of creating offers using the NOI.
jdr: Has anyone used the program and do you have any feedback?
Mike_Summey: ken, CAP rate is good to use looking backward to see how well your investments are doing, but I don’t put much stock in it for creating offers.
pgarvey: hi all
Mike_Summey: Hi pgarvey
Mark_Nadelson: We have a number of users (pgarvey being one of them). We have gotten some nice feedback. I personally have used it to purchase 15 nicely cash flowing properties.
Mike_Summey: Some of you who have the program answer jdr.
jdr: Thanks, Mark. Where are you buying property?
ken: My area is mostly a war zone. I used the generator to make an offer today and it turned out to be 20,000 over the asking price of the house.
ken: but other areas it will work nice
Mike_Summey: Mark took the contents of our first book and turned them into the Offer Generator. I’m very impressed with what he created.
Mark_Nadelson: I’m buying it Dallas Texas, Austin Texas, St. Louis Missouri and Buffalo NY to name a few.
Patrick: Yes, I just found your sight last week and downloaded it and used it with in 30 min. made an offer and will get contract signed tomorrow!
Mike_Summey: Hi Bob
Bob_Carr: Hi Mike
jdr: THat’s great feedback, Patrick.
Mark_Nadelson: Thanks Mike. I was just the programmer. Mike was the architect behind it all.
hottie: I have only tried the offer program, but had one little problem with the “enter” button. I will be playing with it this week
Mike_Summey: Ken, keep in mind that the Offer Generator helps you discover the most you can offer. It doesn’t restrict you from offer less.
jdr: Anyone from Chicagoland use the program?
Mark_Nadelson: After reading the book I just wanted something that I could use to crunch the numbers quickely.
Mike_Summey: jdr, we will probably have someone in later from that area. We usually do.
Mike_Summey: Hi Penny
Patrick: I have bought alot of stuff and I do have to say I enjoyed using it…I need to look over it more, but I will buy!
Corey: Patrick just a note about the offer generator. When we are entering the first data in the menus you have to hit the return key only for the progam to continue. It took my wife and I a while to figure this out because we keep trying to put our cursor in the next box and continue. But the software would not compute the data. Finally we figured out you can only hit the return key for this to happen
Penny: Hi Mike & everyone.
hottie: Corey, actually, I think’s it’s Mark, not Patrick
Mark_Nadelson: Corey that was a bug pointed out by pgarvey. It has since been fixed and will be available in the CD version.
Corey: Mark thanks
infopower9: So, what does the program actually do/calculate?
jdr: If we buy and download online, will you be sending a CD or when will the fix be in the download version?
Patrick: Thanks help is always needed haha
jdr: By the way, thanks, Mike.
Mike_Summey: Hi hypnotx
hypnotx: Howdy, all!
jacepharm: Hello Mike and all
ken: scman what part of sc are you from
Sandy: Hi Mark, I’ve experimented. I was expecting other “boxes” to automatically change when I entered certain numbers. For example, I typed in a monthly number, but then also had to calculate the yearly total for the same number and enter it. I haven’t used it a lot and perhaps I am using it wrong. However, I am fairly confident with Excel type spreadsheets
Mike_Summey: infopower9, the program lets you input estimated rents and expenses, computes the NOI and then walks you through how to use the NOI to create dozens of different priced offers that will all work with the NOI. It even prints the offer letters ready for your signature and presentation to the sellers.
jdr: Can you modify the offer letters online?
Mike_Summey: Hi jacepharm
pgarvey: Mark, are there any other features planned for the Offer Generator in the future? If so, what are they?
Mike_Summey: jdr, you can edit the offer letters any way you want.
jdr: Great! Thanks.
infopower9: Do What do you mean by dozens OF priced offers?
Mike_Summey: jdr, you can even save the offer letters in several formats and then bring them up in your word processor to format and edit there if you want.
jacepharm: Mike, I think I might of missed some q&a…i downloaded the version is their a bug?If so, how can I updated it?
Mark_Nadelson: Sandy I think you are encountering a bug when you use your mouse to navigate the boxes (this has been fixed). If you use your tab or enter key the numbers will automatically be computed.
ken: not sure if i’m using it right but i think it would be nice to have a template of the offer page so the data is automaticly put in the areas.
pgarvey: Mike, that is a great feature about the Offer Generator, the fact that you can modify the offer letter as you wish.
Corey: Mike that is one of my favorite things about the offer generator is being able print out the multiple offers of intent.
Mike_Summey: infopower9, by balancing price and terms you can create many offers that have the same monthly cost.
Mark_Nadelson: The offer letter is based on actual letters Mike has used to make his offers.
Mike_Summey: jacepharm, ask Mark
infopower9: Is there a demo of the program?
pgarvey: Mike, why is the demo being discontinued?
Sandy: Thanks Mark…just saw that in somebody else’s comments. I’ll try again…..
Mike_Summey: infopower9, yes you can download the demo version at www.weekendmillionaire.com/og/
Sandy: I also have the same question….will those of us who downloaded get a CD. I don’t have a CD writer and my computer is slowly dying.
Mark_Nadelson: pgarvey I toying with the idea of coming up with a database of rental properties for sale. You would then use the Offer Generator to “search” for cash flowing properties that meet your critiera and automatically send an offer letter to the owner of the property(s) that you are interested in. That would be pretty cool huh?
jacepharm: The offer Generator is the best program I have ever used. I used to keep a spreadsheet for all the my property calculations and the offer generator makes the spreadsheet look like childs play. I am able to whip up at least 3 offers using the NOI that would be of possible interest to the seller
Sandy: Mike, did you get my email that I sent about an hour ago?
Mark_Nadelson: Thanks jacepharm I appreciate it.
Mike_Summey: pgarvey, we offerred the program in demo version for a period of time to allow people to use it and then purchase it at a discount so we could get feedback on any problems before it was committed to CD. That is how the program will be offerred after June 30.
Corey: the offer generator and carletons calculator program that Mike recommends just make the whole process so much easier.
Sandy: Corey, is Carleton’s different than Mike’s?
Mike_Summey: Sandy, no I haven’t yet, but I haven’t looked either. I’ll check it soon.
pgarvey: Mark, wouldn’t you need access to the MLS listing to get the listings?
Mark_Nadelson: Corey I agree. I own Carleton’s program. I use his to track all my income and expenses and use the Offer Generator to add to my Real Estate collection.
Mark_Nadelson: pgarvey not necessary. I would be our own private database of homes. These homes would be listed by people who know that they will be bought by investors.
ken: for all, I found a motivated seller that wants to sell his 60′x100′ lot right off a main street in a town of about 35,000 for $5,500 the only down fall is that the area only rents for $375 not a warzone but on the borders. what could be the possiblities for this lot?
Corey: Sandy yes Mikes is for making offers and calculating NOI while Carletons has calculators for keeping track of properties, payments and a host of other items. I highly highly recommend both if you are going to be an investor
pgarvey: Mark, I get it, but or buddy Rick wrote a progam that downloaded MLS listing and calculated rental properties that cash flow, I thought that was very cool.
pgarvey: Mark, he is all theory though 
Mark_Nadelson: I’ve seen his program and it is cool (for a Rick program) but MLS is very region specific and his is only for New Haven CT.
Mark_Nadelson: pgarvey “all theory” that’s a nice way of putting it.
Mike_Summey: Sandy, I just read the email. I’m sorry about that and will call him tomorrow. That is not ethical in my book either.
Mike_Summey: Hi Sharon
sharon: Hello
Sandy: Thanks Mike….I just emailed asking for an explanation also
pgarvey: Mark, his program would be better if it only downloaded properties that cash flow instead of downloading all properties and then figuring which ones cash flow.
Sandy: I am really disappointed
Mike_Summey: Sandy, let me know what happens.
jacepharm: Case in point: I have a motivated seller that is looking to sell their property quickly.The have been owning the property for over 20 years and have no mortgage on the property. This is the perfect candidate for someone who might be interested in holding a note on the property. The seller has received some offers on the property none of which she is interested in because it below her asking price. With the offer generator I was quickly able to make her 3 offers playing with price and terms that would work for us and possibly catch her attention. The beauty of it is that I made an offer for alot more than what she was asking and way higher than what she was offered. Realistically, I dont know how I would of been able to do it without the offer generator. fyi:i received a call from her realtor expressing alot of interest in our offer…Thanks to offer generator…Guys:Great piece of software. I think its worth a c
ouple of hundred dollars…
jdr: Guess we’d better buy it before Mark and Mike up the price, huh?
Mike_Summey: jacepharm, we’d be happy to have you send the addition price whenever you like.
Mark_Nadelson: The way the Offer Generator has saved me the most is not from buying properties at a discount so that they cash flow but saving me from buying properties that would have cost me money. Its a great way for weeding out the investments that don’t work.
Mike_Summey: jacepharm, situations like the one you described are out there by the hundreds for long term investors and are going to be more plentiful as the Baby Boom generation begins to retire and looks to convert real estate equities into income streams.
Corey: Mike when you set financial goals to reach by a certain time for yourself how do you break it down. Such as I need x amount of homes to reach this goal or aiming for say 200 a month cash flow for so many properties or just go to work until you hit your goal
jacepharm: A good program for tracking monthly expenses came from the book of the guest that Mike invited last week Matthew Martinez “2 years to a million in real estate”. The webiste is www.rental-property-manager.com.
jacepharm: mike.hahahahahha
Mike_Summey: Corey, when I set a goal I usually set a timetable and let that determine the amount of effort I put into it. If I’m ahead of schedule I have some breathing room. If I’m behind I know I have to give it more time.
Mark_Nadelson: What’s so funny jacepharm. Mike doesn’t kid when it comes to money.
pgarvey: Mark, I find myself always calculating the total expense, it would be nice if the tool did it for you. Not a big deal but it would be nice. Sorry but I can’t find any additional bugs so I am starting to get picky
Mark_Nadelson: pgarvey why do you need to know about total expenses? You just need to know what kind of NOI you are working with after deducting all expenses.
Mike_Summey: Just a heads up for everyone here tonight. I will be doing a seminar in Greenville, SC on August 26th. When the site is identified, I’ll post the details on the website. It will be one of the few seminars I do in a year.
Corey: Mike me and Hottie will be at that seminar
Mike_Summey: pgarvey, have you downloaded the inspection form from this website. It is under “downloads” and I think you will find it very helpful.
hottie: Corey, we are??
Mike_Summey: Hi malpaso
malpaso2001: Evening Mike
zmiller: mark - i have downloaded the demo and when i try to open it i get an error message “wrong parameter usage”. can you tell me how to fix this?
Mike_Summey: Great Corey & Hottie
Mike_Summey: Good question zmiller
Corey: Hottie are you not going do you know how much trouble mike could get me in without you
Mike_Summey: Corey, don’t bring me into that.
pgarvey: Mark, as I told you before I use the Offer Generator to analyze apartments also, since apartments are commercial knowing the total expense and the ratio of total expense to effective total gross income is important.
Bob_Carr: Mike,I’ll be down,I’ll bring Jeffrey along !!
Mark_Nadelson: zmiller could you send me a screenshot of your issue to offer@weekendmillionaire.com?
Mark_Nadelson: That’s a new one for me.
jacepharm: Mike and Mark you might want to reconsider and increase the price on the software…People need to know that this software will make numbers work magically. Takes the guessing out of the equation. Mike Ill tell you what…If I close on this deal or on any of the 4 other offers that I have on the table that I generated wit the offer generator I will send you $140.00.
zmiller: i dont know how to do a screen shot
Mark_Nadelson: zmiller do you have a windows system?
Mike_Summey: pgarvey, the program analyzes apartments the same way it does houses. YOu have to be a little more knowledgable in order to get good estimates of expenses. That’s why I don’t recommend starting out with apartments.
jacepharm: Be right bacl
Mike_Summey: Bob, are you not tired of listening to me?
zmiller: yes
Penny: Hi Bob_Carr, didn’t see you.
Mike_Summey: jacepharm, the regular price will be $69.95 effective July 1st.
Bob_Carr: Never,If it wasn’t for your help I wouldn’t have be able to buy 3 investments in the last two weeks !!!
hottie: Mike & Corey, I will definitley be at that seminar now, keep you boys out of trouble, maybe learn a little, too.
Mark_Nadelson: When the error window pops up, place your cursor over it and hit Cntrl->PrintScreen. This will capture the image and then you can paste it into an email using Cntrl->P
pgarvey: Mike, you are right, but I started out in apartments before I did in Single Family houses
Mike_Summey: Hi Shane
Shane_Ky: Hey Mike
Bob_Carr: Hey Penny,How have you been ?
Penny: How far a drive is that for you? Bet Mike would help you with fuel expenses if you ask! lol
Mark_Nadelson: Sorry I’m going to have to cut our time early. Family duties call. Thanks for all the nice feedback concerning the Offer Generator and happy investing.
Penny: I’ve been great thank you!
Bob_Carr: Penny,I’m flying down in my G4,takes about 45 minutes!
jdr: Thanks, Mark!
pgarvey: have a good one Mark!
Mike_Summey: We have several new things on the horizon. I had a long conversation with Nightingale-Conant this morning about packaging the Offer Generator with the Weekend Millionaire audio program.
Mike_Summey: Hi elba
Penny: Thats right, I forgot you said you are a pilot. Have safe flight & enjoy the seminar.
Bob_Carr: Great idea Mike.
elba_NY: hello everyone. Long time dont “see”.
zmiller: mark, it is on its way
hottie: Mike, love that idea. I’d love the audio for my drives around town
elba_NY: Hi Mike, Penny. Lots of new people I see.
Mike_Summey: We’ve missed you elba. Glad to have you back.
Shane_Ky: That would be great Mike
Penny: cute elba. Hello, hope you are well.
elba_NY: Thanks Mike. Great attendance tonight.
elba_NY: Yes Penny Thank you.
Mike_Summey: hottie, it is available on our website now. Just click on the “audio programs” button and you can listen to excerpts from it.
Bob_Carr: Hottie,It is great to always use your time wisely.Driving and making money!
Mike_Summey: We seem to have lost Mark.
hottie: Bob Carr, thanks, I try to multi-task
infopower9: I joined for the first time. Elbe, from your id I can tell you are from NY. what are you buying there? I am a condo investor but at these prices cannot buy anything with cash flow.
hottie: Mike, Corey is going to buy me an ipod so I can listen to all your cd’s and audio
jdr: Any suggestions for a newbie on how to ‘just get started’?
Corey: Anyone who is considering the audio program i bought it and put it on my ipod so I can listen to it at work. So mike can tell you at work how to build passive income and get out of the job.
elba_NY: Hi info9. I invest in Dallas,TX. New York is too much for us.
Shane_Ky: How was the Chat with Matthew Martinez. I have been busy and not been able to Participate in a while
hottie: jdr, have you read Mike’s first book?
elba_NY: jdr Get the books. Is what got me started. Mindset, then Secrets.
Mike_Summey: jdr, follow the steps in the Weekend Millionaire’s Secrets to Investing in Real Estate. Especially do the exercises in the last chapters of the book. When you do those 8 exercises, you may not buy a property but you will have done everything you need to do, it’s just a matter of doing them over and over until a deal materializes.
infopower9: Are you located in TX or in NY. I don’think I would dare to buy away from my base. Very hands-on.
elba_NY: FAQ is the golden seal.
Mike_Summey: Shane, the transcript is poste on the website. Just go back and read it when you get time.
elba_NY: I live in NY but have a great property manager in Dallas.
elba_NY: For us less hands on means working out more offers.
jdr: Thanks, everyone. I’ll let you know how it goes …
infopower9: Interesting………
Mike_Summey: for everyone, the key is having patience and sticking with it. True investing requires time for your investments to mature before you start seeing big cash flows.
Shane_Ky: When I started this chat line a year and half ago after reading Mikes book and Kyasakis I had 1 rental now 182 units with 3 vacancies. Thanks Mike
pgarvey: Elba_NY, how did you find you property manager in dallas?
jdr: Wow! Nice vacancy percentage!
Mike_Summey: Wow Shane! That’s great! Could you send me an email testimonial to that effect?
elba_NY: pgarvey. They were refer to me by a seasoned investor.
Shane_Ky: Thanks
infopower9: Elba: Do you own anything in NY?
hottie: Mike, why would you call having a storage facility and buying rental properties being investments?
jdr: Anyone own any investment property in Chicagoland?
Shane_Ky: Mike, Yes I can send you one
Mike_Summey: hottie, ???
elba_NY: No my dear, info9. We rent in nyc, and started investing last winter.
hottie: Mike, I meant having a storage facility a business and rental properties an investment, what is the difference?
Chaz: Elba: I need a good property manager, who are you using in Dallas?
jacepharm: hello Elba
elba_NY: Chaz, email, me at egcole@onebox.com and I will be more than happy to give you the information.
jacepharm: what part of NYC are you from?
elba_NY: jace,from Brooklyn.
Mike_Summey: hottie, it depends on the type storage facility you have. One that caters to consumers is a business that usually requires an onsite manager (an employee, ugh) while one like I own that rents only to commercial users does not. Some of my business tenants have had the same unit(s) for 10-15 years.
jacepharm: Elba Im from Northern NJ across the Lincoln Tunnel
hottie: Mike, thanks, I get it
jdr: Thanks for the insights, folks, gotta run. Best of luck with your investing, this week.
infopower9: I am from Brooklyn also, but invest in Manhattan. But now it is not possible because of the prices.
elba_NY: Just a few minutes away. Make that hrs with traffic.
jacepharm: Elba do you own rental property out there in brooklyn
jacepharm: Carr really a G4?
jacepharm: BOB carr really a G4
Mike_Summey: hottie, I have very little activity at my storage facility. When I do rent a unit it usually stays rented for a long time. I do no billing. All tenants pay automatically.
elba_NY: No jace only in Dallas.
Chaz: Elba - I just sent you an email. Thanks!
Bob_Carr: Just Kidding!!! But it is a Goal!!
elba_NY: no problem Chaz.
jacepharm: really Elba? How do you like being a long distance investor?
pgarvey: Elba, do you buy through Al Lee?
jacepharm: hahhahah Nice Plane bob…the Citation X is also a nice jet
hottie: Mike, love to have those kind of tenants anywhere
Bob_Carr: Oh Yeah!!!
elba_NY: jace I love it. I pay my PM to take care of the property and tenant.
Corey: Mike I know you are very conservative but I have heard other investors say they used credit cards to buy their properties in the beginning and them refinance them to pay off the credit cards. What is your opinion on this
elba_NY: pgarvey, hopefully my next investment will be trough Al.
Mike_Summey: We are exploring a project that may require some testimonials from people who are following the Weekend Millionaire method of investing. I’d really love to have any of you who might be interested in giving a testimonial to send me an email to mike@weekendmillionaire.com
elba_NY: The tortoise club has other advantages as well.
Patrick: *beep* Well I just bought the software, before the guy talks you into raising the $$$$ haha. Mike I look forward to Emailing you and picking up your books. I saw you back in the early videos in the 90s and thought you new your stuff! Sorry it took so long to find you … You seem like a streight shooter and after spending over $80,000. with other gurus, I look forward to your thoughts.
pgarvey: Elba, what other advantages do they have?
Mike_Summey: Corey, there’s nothing wrong with doing that or with paying 25% interest on a purchase if the numbers work and the property cash flows. That’s what the Offer Generator does.
elba_NY: access to other professionals/advisors. Such as lender, PM, accountant etc.
pgarvey: Patrick, did you mean 8k?
elba_NY: Wow Patrick $80k really?
Patrick: NO 80,000. from 1993
jacepharm: Mike, Ill be more than happy to send you a testimonial….Ill send it tomorrow
Mike_Summey: Patrick, that’s very kind of you. I try to be a straight shooter and spend a lot of time making sure I don’t lead people astray. there are a number of gurus out there I won’t appear on a program with simply because I feel they are more interested in selling books, tapes and boot camps than they are in truly helping people.
elba_NY: Ouch.
Patrick: Real Estaste has paid me back well but not doing as well as I would like…
elba_NY: I dont see any of them holding weekly chats.
Mike_Summey: Right on Elba!
Chaz: Mike: I’m being told in TX to stay away from doing lease option deals. What’s your opinion since TX changed its re laws?
elba_NY: To top it off. They dont give access to their so called team.
Mike_Summey: I guess I’m one of those people who believes that the greatest injustice successful people can do to their fellow man is to go to their graves with the knowledge that brought them success and only leave behind what they accumulated.
Sandy: Roy Stubblefield had live online chats…..He had the same feel that Mike does. His website is still around although he is not.
elba_NY: Here we have had a chance to talk with bank managers, PM, Lenders etc. And you get to archive the conversations.
Patrick: Yes one Guru has just lost hie $30 million dollar business and took 240 investors…one being my mother inlaw ($90,000.
elba_NY: Patrick, you are making me shiver. 
Corey: Mike can you get all the chats here since the site has been up?
elba_NY: I never heard of that name before Sandy.
hottie: I am a newbie and love being able to talk to the “real deal”, not people selling books and tapes making money that way instead of investing
pgarvey: Elba, I think you have to pay a membership fee, correct?
Mike_Summey: Chaz, there is nothing wrong with lease options when done correctly. If you are going to enter into one, you should treat it the same way you would if you were buying the property now. Title search, recorded documents, etc. It protects everyone. The laws are designed to deal with those who don’t do thing correctly.
elba_NY: Yes.pgarvey.
Mike_Summey: corey, yes you can read all the chat transcripts. Just click on the chat icon and it wil take you to them.
elba_NY: pgarvey of the tortoise club that is. His other websites are free info.
Patrick: No, don’y let things stop you! real estate has paid me far better than a job and I can help more people so please don’t take me wrong. Remember God gave you two eys two ears and one mouth for a reason!
pgarvey: Patrick, what do you mean he lost 30 million, how is that possible?
Chaz: I needed to hear this from an expert, thanks. I have a deal that looks only good from a lease option angle.
Sandy: There is a yahoo group called deeds2success that spawned from his work. If you are interested and can’t find it let me know. However, as I said, he is no longer there. He could be a bit cranky….that was what was so endearing
Penny: jumping off site. goodnight all.
Mike_Summey: goodnight Penny
Penny: see you all next week.
elba_NY: Patrick. It just makes me feel glad that I found the Weekend Millionaire down to earth-I-see-myself-doing-it-approach.
Mike_Summey: I’m working on trying to get one of the Rich Dad advisors to join us next week. If I can get it put together you’ll get an email later in the week.
Mike_Summey: Oh, by the way, are all of you reading my weekly column?
pgarvey: Mike, Yes
elba_NY: Yes,Sir.
Corey: I read anything you write
hottie: Mike, can’t wait to see the Rich Dad thing. I just saw a book headed “rich-dad for teenagers”.
Mike_Summey: There are some good wones coming. They’re already written for all the weeks until mid September. Just finished one today on balancing your checkbook.
elba_NY: I bought my sister the Mindset book instead.
hottie: MIke, I’ll make sure Corey reads that one. See, you can do marriage counsiling!! You just don’t know you are doing it!!
elba_NY: Hottie you are sooooo right.
hottie: elba, does Mike help you, too?
Mike_Summey: I did a book signing at Sams Club here this past Saturday. Several elderly people bought the Mindset book for their grandchildren. Sam’s wants be to come back this coming Saturday which I will probably do.
Patrick: Well it’s along story…but he did not do proper paperwork and was also not fallowing the SEC laws of ohio. He did not put peoples investments on the real estate and would spend more then he brought in. He lost his business to recevership, and the investors many retired and low on funds have to wait and see if and how much money they will get back
Corey: Mike I usually read the chats on the main page but didn’t realize i could go back and get them all
elba_NY: Every monday night he does.
Corey: I have learned alot just by going back and reading old chats
Mike_Summey: Patrick, several of the gurus we have seen on television over the years have ended up in bankruptcy or jail.
elba_NY: His books sparked a light my husband tought gone, hottie.
Patrick: yes my fist two are in jail!
hottie: Elba, loved Mindset, great marriage material
elba_NY: I agree Corey, I’ve been gone 3wks, but have not missed much.
Mike_Summey: Corey, if you will click the little icon next to the chat transcripts, it will take you to all of the old ones.
elba_NY: Life material period hottie. Is why I’ve told all my young cousins about it. Many of them will be getting it this Christmas from me.
Mike_Summey: Everyone, if you don’t have the FAQ book, get it! It has a bonus section in the back that tells you how to get the most out of the website. Things like I just told Corey about how to get to all the old chat transcripts.
hottie: Elba, great gift idea for teens
elba_NY: Mike you are forgetting that it goes into details about Secrets.
Corey: Mike that is why i listen to the audio program and read the books over and over cause you always miss something
Corey: But we also are taking action. Right Hottie
elba_NY: hottie I agree.
Mike_Summey: Wow! It’s already after 9:00. Time has flown tonight. I’m going to have to leave you and take care of a couple of other things before bed.
hottie: Corey, right
Mike_Summey: Goodnight all.
hottie: Night, Mike
pgarvey: Night Mike, all
Mike_Summey: Stay and talk with each other as long as you wish.
Corey: Thanks again mike good night
Patrick: Thanks Mike, got to go to…Thanks to all
hottie: Good night, all
elba_NY: Okay good nite everyone. Niceto meet you hottie, Corey, jace and Chaz.
jacepharm: Thanks Elba
Chaz: You too, Elba.
Chaz: Thanks, Mike. Good advice as always!
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