Individuals, such as you and me, can use the same financial strategies as the mega-machines, i.e. Big Dogs, but it takes a little bit information first.
 
Let’s talk about the Big Dogs! 

When hearing the expression, Big Dogs, these are the major players (or people, such as managers, bosses, leaders, etc.) and institutions – the movers and shakers – and not much happens unless the Big Dogs bark and make things happen.  
 
That’s why I’ve written a book called “Barking With The Big Dogs”.  
 
In order to Bark With The Big Dogs, we must play the game by their rules. Unfortunately, the rules aren’t always in black and white. In reality though, the games are very simple and I’ll point this out repeatedly in my book. For now though, let’s understand the game that everyone plays.  
 
One of the biggest games in life that everyone must participate in is the game of money. However, do we really consider our finances as a game? Probably we should. Money comes in and money goes out. Common expressions are “making money” and “losing money”. Therefore, somebody wins and somebody loses from time to time. 
 
That’s why “Barking With The Big Dogs” shows the financial strategies the Big Dogs use everyday in any market. Now, you can see and use those same strategies too.  
 
As a result of years of experience, research and education, I’ve come up with a comprehensive book designed to teach people how to play and potentially win big against the mega-machines in the financial world – in particular – the mortgage and real estate business. 
 
Targeting the topics of personal finance and a home are simple; everyone needs a place to live and a house is most often the largest financial expenditure many people will make. 
 
“Barking With The Big Dogs” is not typical. 
 
As inspiration from what we are commonly taught and told, I set out to delve deeper into the working of the banking institutions; after all, money is something touches our every day lives – no way around it. 
 
What I’ve come up with is behind the scenes, inner workings of financial institutions, and have put it into one easy to follow, comprehensive book that definitely levels the playing field against the mega-machines. 
 
However, I’m not here to suggest that everyone should borrow money, but most people cannot afford to buy a home without going to the bank. 
 
But what about those who do not want to go to the bank or borrow money? 
 
Yes, something very important exists for the debt-free homeowners as well. 
 
Topics exist that affect the financial side for everyone regardless of ever stepping into a bank other than to make a deposit. 
 
Now you too can turn the tides, so as to empower yourself to become a successful financial machine when others are simply following the crowd.

(By the way, you can use these very same concepts in areas other than just a home.  Property can be residential or commericial as we know, but the ideas relate not only to personal finance, but business well.  As a matter of fact, once you have the basics down, you can apply them to many topics.  That’s the beauty of Barking With The Big Dogs.)

Individuals, such as you and me, can use the same financial strategies as the mega-machines, i.e. Big Dogs, but it takes a little bit information first.

When it comes to real estate and a mortgage for your personal finances, as well as other business and financial information, if you want to protect your assets, increase income and grow wealth, you’ve got to be Barking With The Big Dogs.

Only, you can’t get the book at Amazon, online or a Kindle version any longer and the financial strategies online are no longer available for viewing.

I will, however, discuss it with you in detail privately.

Simply contact me…it’s that easy.

All things, such as cars, shoes, mowers, etc, wear out.  More cars, shoes, mowers, etc, are produced to replace them.  Yet, the aforementioned items lose value.  A house, on the other hand, wears out too.  More houses are built as well.  The difference is property generally increases over time.

Despite the recent housing bust, when looking at history, I’m betting it is a safe bet that home prices will eventually rise.   (I show in detail the stats and reasons why in Barking With The Big Dogs.) They have too – property is a huge tax base for local governments to the IRS.

My point is not to discourage home ownership, but rather to simply say a house is not a good investment for most people.  Most people do not rent or buy and sell property as a real estate investor does.

A house wears out, has major expenses, such as roofs, foundations, termites (as I’m seeing in the house we live in), as well as small continual expenses.  Small expenses may simply be the air conditioner repairman doing tests, to having a bathroom faucet drip being repaired.  Think about all of the little things that happen over the course of owning a house.  Furthermore, lawn maintenance, utilities for operating the house, etc. occurs.

As you can see, just by driving around old neighborhoods, houses wear out, need repairs, renovation or torn down.  Therefore, why is a house considered a good investment?

Probably because the realtors tell us so in order to sell houses as well as politicians so they can generate tax revenues.

In reality, a house for the most part does not produce income.  A business’ building wears out, but the business produces revenue.  (Gold doesn’t wear out.)  Isn’t it really an expense?  Also, a house is not a liquid asset, meaning it cannot be sold quickly for cash.  Liquidity is another criterion for a good investment.  Lastly, when property values change, what does a similar house across the street go for as well?  Do you really have a true gain when all values rise?

So the next time you hear a home is a good investment, consider thing things just discussed…it may simply be a really nice place to house a family.

Check out more truths, myths, hype, etc. regarding property, income, interest rates, taxes, banking, etc.  by ordering a copy of Barking With The Big Dogs.  Your lifestyle just might be affected.

But, to continue on with the idea of holding cash, a couple of sayings have come up.  First, with the drought and wild fires in Texas, April showers bring May flowers doesn’t look so possible at this point.  Next, with May approaching, the other saying in the world of finance is sell in May and go away.

Today, I was reading another article from Seeking Alpha called “Sell in May and Go Away?  Yes“  The idea is to protect your positions, using several strategies but doesn’t mention ways to increase cash by using money sitting in money markets for example.  Sitting on cash, but waiting to buy is not a bad idea, but the returns could be enhanced by selling naked puts.

Selling naked puts are simply collecting cash for selling an option at a particular price.  If the price of the underlying asset meets the target price, you buy the stock, ETF or whatever at the strike price.  If the price does not go to the target price, a nice premium (cash) is collected for money sitting in a money account earning virtually nothing right now.  (Thanks, low interest rates.)

Whether or not to use option strategies such as selling naked puts, renting stocks (i.e. covered calls), dividend funds, or selling in May and going away, the point is having cash and creating income allows the ability to take advantage of opportunities – and that’s why following the rich is better might just allow us all to stop and smell the roses a little more often.

First, what makes interest rates rise and fall?  Inflation?  Sure, but how about supply and demand.

Supply and demand was implied, in my opinion, but there is more to the story as I’ll point out now.

During the past financial crisis a shortage appeared and created a credit crisis.  In actuality, tons of cash were on hand, but because of economic and political events and uncertainty, the flow of money stopped – but was stockpiled.  Furthermore, an enormous amount of money was being printed by the Treasury (chartingstocks.net) thus further increasing the supply.  Supply up, rates down.  Borrowers were uncertain as well, thus the demand did decrease some.  (I realize there is always a demand for money – that’s why it’s the perfect product.)

The problem with the supply of money contains one big factor that most people cannot access and do not have…citizens can’t print money.  The government can keep printing money and increase the supply thus keeping interest rates low to fund their huge spending sprees instead of paying the market value for money like you and I would.  With the printing press in overdrive over the last couple of years, and if this becomes the way to combat high interest rates, we may never see high rates again.  Be careful what you wish for, high rates affect the yield on your money in the savings account!

So how can we as individuals do what the Big Dogs do?  The answer is the next point not mentioned in the Seeking Alpha article.

First of all, I do agree with the author about not owing more than you have to.  Debt is a double edged sword and can bite you hard, but it can be a great advantage too.  Here’s what I mean.  When the printing press gets cranking, more money is printing and this devalues the dollar.

(copyright 2010 Barking With The Big Dogs)

Stated differently, a $200,000 become worth much less than the balance.  With inflation, a item that costs $200,000 today would cost hundreds of thousands of dollars more in the future.

Inflation and devaluation are why I think the government is acting smart financially (as long as they don’t get so out of control and destroy the country).  The government, i.e. Big Dog, is devaluing the dollar and using inflation to create a spread over the amount of money they owe!

As the articles states….”presto, another killing for the rich.” However, the rich are not defined and could be individuals to governments.  Nonetheless, the article is good and why not do as the rich do?

Check out Seeking Alpha (and no I am not compensated by them), but also get a copy of Barking With The Big Dogs today!