1

themay 2012

Earn Double-Digit Returns Through A Self-Directed IRA

MillenniumADDRESSING THE NEEDS OF

MODERN INVESTORS IN NE OHIO, ENSURING A SUCCESSFUL,

PROFITABLE FUTURE.

Josh Cantwell, founder and CEO of Millennium Capital Investments

& Sharp Concepts Realty.

DOUBLE-DIGIT RETURNS WITH SELF-DIRECTED IRAs…….……...…1

REAL WORLD INVESTING:……….3

LATEST INDUSTRY NEWS AND UPDATES…………………...……..…..4

WHAT’S JOSH READING?..........4

TOOLS FOR SUCCESS: SHORT SALES ARE ALIVE..…………….…...5

JOIN ME AT PURPLESTRIDE…………….……..….6

REAL RESULTS …..……………..…...8

HOT INVESTMENT OPPORTUNITIES……..………….....9

HOLDING YOU BACK?.............11

FOLLOW JOSH……………………...12

A LOOK INSIDE

For investors, it’s all about the returns. The higher the returns, the better the investment decision. I want to tell you about a way that you can earn double-digit returns by self-directing your IRA.

Most investors who have a retirement asset like an IRA may be familiar with companies such as Metlife, Merrill Lynch, Fidelity and others. Those companies manage your money through traditional broker dealers by investing in things like stocks, bonds and mutual funds. While these investment choices can be somewhat stable, they don’t guarantee double-digit returns. At best, you can expect slow, incremental growth. While that’s not bad, there is a better way.

By self-directing your IRA, you can double your growth through tax-free profits, tax deductions, asset protection and estate planning

What does it mean to self-direct your IRA or 401(k)?

When you self-direct, you are not relying on an investment advisor to sell you products; you find your own assets and invest through your own research. This allows you to build lasting, long-term wealth by investing in things you’re comfortable with because you have knowledge or experience in it. Through self-directing your IRA, you can expand or supplement traditional retirement investments through assets such as real estate, notes, foreign currency, tax liens, and more.

Here’s the catch. The IRS requires a third-party custodian for self-directed IRAs. Choosing the right custodian is crucial. One that I can recommend is Equity Trust (www.trustetc.com). Equity Trust is made up of a team of experts who have been helping investors realize significant growth for over 35 years. The key is they not only will manage your growth, but limit your tax exposure, which is as big a benefit.

Equity Trust manages $3 billion in IRA assets for 40,000 clients. Having the right people on your team is key – I’ve said this over and over. In this case, it can mean the difference of thousands of dollars.

Choosing to invest in real estate allows you to earn tax-free/tax-deferred returns on your investment. Combining the knowledge of a custodian with a sophisticated, active real estate investor like myself will lead to returns that you would never be able to realize in the traditional investment routes.

Take a look at the case studies in this issue for just a couple of examples of high investment returns through real estate investing. Then, call me to find out how to start growing your IRA today!

7 Rules for Investing in Real Estate with a Self-Directed IRA*

1. Your IRA cannot purchase property owned by you – you can’t purchase a property you already own.

2. You cannot indirectly benefit from a property owned by your self-directed IRA – No vacation homes or cheap office space.

3. Real estate IRA investments must be uniquely titled – Any documents must be titled to your IRA, not to you.

4. Real estate in your IRA can be purchased without full funding from your IRA.5. IRA investments that use financing must pay unrelated business income tax.6. Real estate expenses must be paid from your IRA – including property taxes, utilities,

maintenance, improvements, etc.7. Real estate IRA income must go back into the IRA.

*courtesy of Equity Trust (www.trustetc.com)

3 Most Popular Ways to Invest in Real Estate with a Self-Directed IRA

1. Buy with cash – if you have enough to cover the purchase price, closing costs, taxes, insurance, etc. Remember, any ongoing expenses will also need to come from the IRA.

2. Partner up – with a friend, family member, business associate (that’s me!). Use your IRA to purchase an undivided interest in the property. Any expenses or income (rent) will be proportional to your contribution percentage. So if you contribute 30% to the purchase, you will owe 30% in any fees or receive 30% rent.

3. Borrow money – An IRA can obtain a loan or mortgage for a real estate investment. The loan must be non-recourse (uses the property for collateral) and tax is due on the profits from the leveraged real estate.

2

To learn more about Millennium Capital Investments,

visit us online atmillenniumcapitalinvestments.net

Disclosure: This is not a public offering. This is not an offer or invitation to sell or a solicitation of any offer to purchase any securities in the United States or any other jurisdiction. Any securities may only be offered or sold, directly or indirectly, in the state or states in which they have been registered or may be offered under an appropriate exemption.

3

Real World Investing:

FOCUS ON SHARP CONCEPTS REALTY – YELLOW JACKET – D.A.G. – MILLENNIUM CAPITAL. A LOOK INSIDE JOSH’S INVESTING BUSINESS: PROOF THIS STUFF WORKS!

September, 2010 – The short sale package was gathered. The house had been valued by the county at $450,000. The client was 1+ year behind on their payments. An initial investor offer of $250,000 was made. A Sheriff Sale was scheduled for Dec, 2010, then postponed 2x.All bank documents were complete, but they were waiting for the tax transcript from the IRS. Note: The bank continued to turn the file back to the beginning stages every 30 days because the financial information had to be updated. We had to remain very proactive and send the information in early to progress the file and postpone the Sheriff Sales. The bank has 3 steps: processing, quality control and decision.

May, 2011 – Discovered the client was not living there, even though their possessions were not completely moved out.

June, 2011 – BPO completed, revealed $30,000 in needed repairs. BPO came in at $239,000. August, 2011 – The bank accepted the investor offer of $250,000.

Discovered 3 additional liens on the property on the county Recorder’s records. Worked to reduce the liens, and upon pulling a Title Search, discovered a total of 9 liens, totaling over $60,000.The investor was not able to pay the sale price amount plus the amount of the liens. Told the bank, and they assured that we could continue where we left off with a new buyer, if one could be found quickly. Relisted the house at $325,000 (to cover all liens). Within one week, 2 offers were obtained that met the criteria of a purchase price of $250,000 plus cash to settle the liens. The seller accepted the all-cash offer. Called the bank daily, but the decisioner was out of town.Continued to call all lien holders to negotiate a reduction of the lien amounts, through the attorney’s office. The bank winterized the property and turned off all electricity. This caused the sump pump to back up, flooding the basement with 2 in. of water. The bank did not address the situation. Two months later, the electricity was turned back on. There was significant damage to the basement including mold.

September, 2011 – Since we changed buyers, the bank closed the file and we had to start the process over again. October, 2011 – The bank sent an appraiser to the house to conduct another BPO. We were not informed. November, 2011 – The bank now wanted $279,000 for the house. We disputed the price increase. January, 2012 – The bank refused to change the price. Another Sheriff Sale was imminent, so we accepted the

new price and moved to close the transaction.Approval letter was received 9 days prior to close. The Sheriff Sale was scheduled for 12 days from the approval letter, and would not be stopped again. We were able to transfer the title 15 minutes before the county offices closed and the house would have been in the sale. There were now 2 potential buyers for the house.Because we had been working on reducing the liens, we were able to raise the sale price to $279,000 as required by the bank and pay off the liens, all while remaining within the total offer of $325,000.

Commission/profit = $13,950Attorney fee as part of the lien negotiations = $4,995 paid by buyer

Short Sale Case Study: 30020 Persimmon, Westlake, OH This case study highlights two different short sale profit strategies: as a listing agent and as a short sale negotiator working for a law firm. It is a property that one of my Sharp Concepts Realty agents, Joyce Reese, worked on very assiduously. Read through the timeline, outlined below, and see how important it is to remain diligent through a very long, difficult process.

$14,000 Commission + Negotiation Fees

4

Industry News & Updates

What’s Josh Reading?

Yours for Only $10,000I am so excited to call this article to your attention because it’s something we’ve known for a long time – that this is a great time to be a real estate investor. While the housing bust has created a lot of challenges, there are also a ton of opportunities. There are literally thousands of homes on the market today priced at or below $10,000! Most of these bargain-basement priced homes are foreclosures, and some are just considered worthless. According to Realtor.com, in the 10 largest metro areas, there are at 100-200+ homes in this price range. Seventeen more have at least 100 homes available for $15,000 or less. But in order to turn these opportunities into money in your pocket, it’s important to understand the community and any housing recovery plan or programs that may be in place. As we say, focus on your sweet spot and do your research. A successful investor is a smart investor.

No Surprise Here: House Hunting Goes MobileThis article underscores the importance that mobile technology is having on the housing market and buyers and sellers alike. A whopping 68% of house hunters are using their mobile devices (smart phones or tablets) to search for home, and then contact a real estate professional to close in on the deal. In this survey, conducted by The Real Estate Book, the prospective homebuyers who relied on their mobile device during their search found it “an essential tool.” They use them for narrowing their search area, viewing photos and videos, finding details, making inquiries and even setting up viewing appointments. This is a great emphasis on the importance we at SREC place on marketing and taking advantage of all the tools available, including mobile technology.

Housing Prices Expected To Rise by 2013According to the recent Real Estate Consensus Forecast conducted by the Urban Land Institute, home prices are expected to increase in 2013, with housing starts nearly doubling by 2014. Housing prices are expected to stabilize this year, and then increase by 2% next year, followed by 3.5% in 2014. The rate of unemployment is expected to continue falling, with the GDP growing. Inflation and interest rates will continue to rise, which will increase costs for investors. Survey results do not anticipate substantial increases in real estate capitalization rates for institutional-quality investments, expected to hold at 6%. While this steady growth is encouraging, we can’t take our eyes off some impending global and national events which could provide influence, including the upcoming presidential election, Europe’s debt crisis, major international elections and tightening financial regulations.

Continued page 7

5

This month I want to tell you about 2 books I just finished reading by Michael Lewis: The Big Short and Boomerang. I found both of these books to be very interesting because at their base level, they highlight actions taken by influential people done in their best interest alone, and not for the greater good of the people around them. The Big Short focuses on the 2008 crash of the US stock market and the sub-prime mortgage market. Loans were packaged into collateralized mortgage obligations (CMOs) and traded on Wall Street. Standard & Poors and Moody’s labeled these pools of securities as AAA rated (meaning, no risk). They were sold worldwide, but in reality were garbage loans for people who had no assets or lied on loan applications. Wall Street made all the money, and the taxpayers were left to clean up the mess. For the real estate investing market, the impact was tremendous. It completely changed the climate in which we buy and sell real estate. This book outlines why it happened, why property values went so high then plummeted, why there are so many homes in foreclosure and why the banks made a killing.

6

A partner from Kentucky and I work on this transaction as a joint venture, beginning in October 2011. He did the groundwork, and I did the planning and negotiating. The Plan:-Purchase and resale in neighborhood with both low and high comparable propertiesAction:-Ordered an appraisal from a local company.-Pocket-listed the property equal to the appraised value.-Sent in an offer for $375,000.-Started negotiating 5 liens.-Received approval on first at $400,000.Selling: -Knowing the 5 liens would take longer than the approval, the hunt for a buyer heated up.-Found a buyer who was willing to pay $460,000.Decision:-Buy and hold the property or work an option release.Exit Strategy:-Sell the option release for $49,500.-Avoid holding costs.Final Course of Action:-Submitted the end buyer’s offer.-Finished negotiating 5 liens-Cancelled an auction-Sold the property for $460,000!Completed the transaction in March 2012.

Purchase Price: $410,500

Below is a list of the liens and judgments that are attached to the property (this does not include an IRS lien of an estimated $20,200. I am still working with the IRS to get that released).

Estimated Payoffs:Lien #1 $6,737Lien #2 $8,371Lien #3 $12,039HOA Lien $2800

Total - $27, 147 (rounded to $33,000 to allow for estimated per diem charges that have accrued since we obtained the payoff letters in 2011.)

Estimated Buyer Closing Costs:Mortgage Insurance Premium $600Settlement Fee $150Recording Fee $94Payoff Liens and Judgments $33,000Property Taxes $2,748Assessments $250Fees from above (bank) $692

Total Estimated Buyer Closing Costs $37,534

This is another successful short sale case study, as explained by SREC Head Coach and Sharp Concepts Realty Agent, Derek Walkush.

Tools for Success: Short Sales are Alive

TotalsPurchase Price Residential Buyer $460,000Less Sales Price to Lender $375,000Less Estimated Seller Closing Costs $21,155Less Estimated Buyer Closing Costs $37,534

Net Profit $49,500

Estimated Seller Closing Costs:4% Realtor Commission $15,000Title Examination $600Doc Prep Fee $75Title Insurance $1,100Municipal Taxes $55State Tax Stamps $375 (.001 x $375,000.00)Releases $52Overnight Wire Fee $40 Property Taxes $2,748 (credit on HUD-1)Assessments $250

Total Estimated Seller Closing Costs $16,855

7

In Boomerang, Lewis shifts his focus to the European debt crisis, specifically concentrating on Iceland, Greece, Germany, and Ireland. We see how each country is involved in the international banking landscape and how each, with the exception of Germany, will go bankrupt for a variety of reasons. Germany holds the future of the EU Zone due to its strong economy and manufacturing base. Lewis does bring the international crisis back to the US by focusing on California’s bleak future, thanks to politicians who continue to vote according to their constituents and donors’ best interests, rather than what would be best for the state as a whole. No one has been willing to risk their benefits and pensions to turn things around.

What’s Josh Reading? Cont’d from page 4Join Me at PurpleStride Cleveland 2012

2011 was a very challenging year for me and my family. We faced a lot of ups and downs, and a lot of uncertainty. Sitting here today I can say, with much relief, that it all had a happy ending. My family was blessed with the addition of our son, Dominic. Today he’s a happy, healthy little guy, but had some health challenges that culminated in emergency surgery to remove a mass in his neck when he was just a few weeks old.

Believe it or not, while we were dealing with Dominic’s health issues, I found out I had my own battle to fight – one that would change my life forever. In September, I was diagnosed with pancreatic cancer.

Sometime in late July/early August, I was playing with my girls when I noticed a large lump on the side of my stomach – it was about the size of my fist and hard as a rock. I knew I had to get it checked out, but, it would have to wait. My wife, Lisa, was 8 ½ months pregnant with Dominic and we knew there were going to be serious complications with his birth due to the mass in his neck.

As the weeks went on, my own lump was growing. Once Dominic was on the road to recovery, I could turn my attention to my own health. I had gotten a CT scan, and received a call in mid-September to come to the hospital immediately. I knew that couldn’t be good news. That’s when I first heard the news, “Mr. Cantwell, you have pancreatic cancer.” I was stunned. My thoughts turned to Lisa, who just had a C-section, my three-week son who was still on a breathing tube from his emergency surgery, and my two little girls at home. I knew I had to fight.

And fight I did. It was a long, difficult, challenging battle. My official diagnosis was neuroendocrine pancreatic cancer. By the time I was on the operating table, the fist-sized lump had grown to the size of a basketball and was entwined in most of my internal organs. It meant a long, difficult surgery and an even longer recovery. I would face significant adjustments in my daily life. But, thanks to an incredibly daring surgeon who was willing to take a chance on saving my life, I’m here today to play with my kids, love my wife and family, and dive headfirst into growing my businesses.

Today, I’m completely healthy. My son is healthy, my family is strong. I’m one of the lucky 5% who survives pancreatic cancer.

That’s why this PurpleStride event is very near and dear to my heart. It’s an opportunity to tell my story and help others find hope. Turn the page to learn more about this important event.

To find out how you can help, visit www.purplestride.org/cleveland.

PurpleStride: How You Can HelpMark your calendars and join me on Saturday, June 16, 2012 at the Cleveland MetroPark Zoo for the Pancreatic Cancer Action Network’s PurpleStride Cleveland 2012! This 5k run/1-mile walk fun event specifically raises awareness and money for pancreatic cancer. The Cleveland event is one of the largest of its kind in the country – last year over 2,200 people participated, and only 14 were cancer survivors; the rest were there to support the effort or to commemorate loved ones lost to pancreatic cancer. This year, organizers are expecting around 3,000 people, with about 20 survivors in attendance… and I AM ONE OF THE SURVIVORS! It’s times like this where I realize how lucky and blessed I am to be here to be alive and to be a part of this fundraising effort.

I’m proud to be a part of this event, and I will be speaking in the morning before the 5k run kicks off at 8:45am. News Channel 5 Troubleshooter George Pagonakis will serve at this year’s emcee. Once the run and walk are done, enjoy the rest of the day exploring the incredible Cleveland MetroPark Zoo!

Sponsorship opportunities are available! To learn more, log on to www.purplestride.org/cleveland today.

Event ScheduleRegistration opens 7amOpening ceremony 8:15am5K Run begins 8:45am1mi Walk begins 9:15amClosing ceremony 10am

Adult - $25 (Registration is $35 on event day)Adult Event Participant (Non runner/ walker) - $25 (Registration will be $35 on event day)Youth (age 3 to 12) - $15 (Registration is $15 on event day)Virtual Participant - $35 (Can't make it on event day? Register to receive your own fundraising page and event T-shirt.)Volunteer - FREE!Survivor - FREE!

8

Real World Investing Profits

I wanted to share some figures with you and show you that the things I’m teaching you about are the things I do in my own real estate business… and it works!

Take a look at the profits from one week’s investing activities: $49,500 from a property in

Kentucky – the deal took 6 months and the profit came from an Option Release fee.

$32,671 from the S. Hametown rehab – took 6 months and the profit came from an REO, rehab, fix, and flip.

$1,995 Sharp Concepts Realty commission – listing commission

$500 Sharp Concepts Realty renter commission

Total profit for one week?$84,666

Millennium Partners

jcantwell@srecnow.com

Ph: 216.233.5448Fax: 440.888.7851

Millennium Capital Investments6659 Pearl Road, Suite #202

Parma Heights, OH 44130www.millenniumcapitalinvestments.net

iPhone or iPad User?

Visit the iTunes App Store and download our app to stay up to date

on the latest. Search:Strategic Real Estate Coach

SHARP CONCEPTS REALTY

Sell Your Home Today… Fast!www.sharpconceptsrealty.com

Phone: 440.623.0531ALL STAR LAND

TITLEComplete Title & Escrow

Serviceswww.allstarlandtitle.com

EMERALD GLEN TITLEComplete Title & Escrow Services

www.egtaltd.com Phone: 440.347.0340

Karen@egtltd.com

THE STREETER LAW GROUPForeclosure Defense & Loan Mod.

Specialistwww.thestreeterlawgroup.com

Phone: 216.407.6644streeterlaw@gmail.com

Contact Millennium

Today

HARTFORD LENDING GROUP, LLC

Mark Kubek, Branch ManagerPhone: 330.869.6344Cell: 216.509.7602

9

Ready to buy or sell your own house?

Call us TODAY to speak with

an Agent.

Sharp Concepts

Realty

440.623.0531

Hot Investment Opportunities10129 Kendall, Streetsboro, OH 44241 – A steal for $222,990You’ll flip for this nearly 3,000 sq. ft., 4 bedroom, 3 bath home in Streetsboro. This open concept floorplan is perfect for entertaining. A large, eat-in kitchen is adjacent to a spacious family room and den. The master suite comes complete with a large, walk-in closet and media area.

10284 Wellington, Streetsboro, OH 44241 – Priced to move at $49,900 This is ideal for the fixer-upper in you – make this one your own! With 4 bedrooms and 2 baths, this ranch has tons of potential. Huge detached garage adds tons of storage space.

33419 Linden, Solon, OH 44139 – A must-see for $167,500This 3 bedroom, 2 bath Cape Cod style home is ready to be your next home. Recently updated roof, hot water tank, concrete drive and windows. Bright eat-in kitchen has ceramic tile floors, and leads to a dining room through an arched wall. 2 bedrooms on the first floor have hardwood floors under the carpeting. Finished lower level adds additional living space. Lovely backyard with patio for relaxing!

910 Chillicothe, Aurora, OH 44202 – A gem at $149,900You will love this 3 bedroom, 2 bath ranch home on over an acre of property in beautiful Aurora. Beautiful maple kitchen with ceramic tile flooring and granite countertops. Updated roof, siding and windows, as well as furnace and hot water tank.

1371 Arborcrest, Hinkley, OH, 44233 – Just reduced to $174,500This 3 bedroom, 2 bath brick home sits on over 2 acres is situated in the Highland school district in Medina county. Features a newer roof, furnace, doors and upgraded kitchen and bathrooms. Ceramic tile and hardwood floors throughout. The 30car garage provides tons of storage; home warranty included. This is a no city income tax home.

10

Hot Investment Opportunities

Search the entire Northeast Ohio Market MLS for your next home

at www.freeclevelandhomesearch.c

om www.sharpconceptsrealty.com

Sharp Concepts Realty440.623.0531

14197 Schreiber, Maple Hts., OH 44137 – Won’t Last! Only $29,900This charming Cope Cod has 4 bedrooms and 1 bath. Features an eat-in kitchen and wood floors. Sits on a very private, .45 acre lot that backs up to Dunham Park Woods. You’ll love spending time out on the large back patio, perfect for entertaining. This is a Fannie Mae Homepath property.

24740 Devoe, Euclid, OH 44123 – A Steal at $62,500This one is not going to last, so don’t miss the opportunity to make this lovely, completely renovated 4 bedroom, 1 bath bungalow your own. It’s ready for your family! The foundation has been waterproofed, and has a new HVAC system, hot water tank, electrical and plumbing. New concrete driveway, roof and windows throughout the house. Add to that new carpeting and ceramic tile, and all it needs is your finishing touches. Priced to sell!

1440 Evanston, Lyndhurst, OH 44124 – Check it Out, Just $134,900Take a look at this updated, beautiful 3 bedroom, 2 bath all-brick home with a Nature Stone finished basement, large deck and oversized, 2-car garage with a loft. Spacious eat-in kitchen, formal dining room, updated bathrooms and windows, roof and HVAC system. But that’s just the beginning! Walking distance to schools, beautiful landscaping makes this a keeper!

23314 Groveland, Beachwood, OH 44122 – Luxury for Just $229,900If you’re looking for luxury on a budget, then check out this 3 bedroom, 4 bath all-brick Colonial. With over 2,000 sq. ft., this home features hardwood floors, built-ins and a large, eat-in kitchen. Oversized master bedroom, finished basement and fenced- in yard make this perfect for any family. Three-car garage provides tons of additional storage. Great home in a great area, at an amazing value!

11

Words of Wisdom:“The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on or blame. This is the day your life really begins.”

~ Bob Moawad -

Are You Holding Yourself Back From Success?If I had just 3 minutes to sit and share some advice with you, what would it be? That’s an easy one for me to answer because I’d focus on the one thing you can do to change the course of your life. This one exercise will help you hit new goals and objectives, and move beyond where you’re at now to where you always dreamed of going.

Think about this: You become what you think about most of the time. If you’re thinking about your goals and executing your plan, you will ultimately become what you’re thinking about.

Makes sense, right? Amazingly, it’s this concept that is missed most often by people.

In his book, What They Don’t Teach You at Harvard, Mark McCormick surveyed Harvard MBA graduates in 1979 and asked if, upon graduating, they had written down clear goals and a plan for achieving those goals.

84% had no written goals and no plan. 13% had goals, but didn’t write them down. 3% had written goals and a plan to achieve them.

In 1989, he resurveyed those same graduates. Out of the 13% who had goals but didn’t write them down, they were earning twice what the 84% were earning. The 3% were earning 10x what the other 97% were earning.So, if the graduates were making, let’s say $100,000, the 3% were earning $1M per year, on average. The difference between having goals and a plan can be the difference of $900,000. Let’s assume 30 years of working, $900,000 is an outrageous amount of money – a $27M difference.

The moral of the story? Don’t short-change yourself. Make the commitment to yourself to sit down and go through this 5-step process. Would you rather be in the 3% or the 97%?

There is a big difference between those who go through life running on random and those who look at life and find every day as a chance to get better through clear, written goals and a plan.

To make sure these goals transfer from your conscious to subconscious mind, take ownership of your goals:I am…I make…I have…

Then be sure to include a specific timeframe for reaching your goals. The more precise you are, the better the chances of achieving your goals.

“I make $250,000 in profit from real estate investing by the start of 2014.”“I have 2 extra hours each day to spend with my family by August, 2012.”“I weigh 175 lbs. by January, 2013, and I have achieved this through a healthy diet and consistent exercise.”

12

Strategic Real Estate Coach main blog: www.strategicrealestatecoach.comTop Real Estate Investor blog: www.toprealestateinvestor.com

SREC Facebook Fan Page: www.facebook.com/SrecnowStrategic Real Estate Coach – YouTube: www.youtube.com/StrategicRECoach

Josh Cantwell Facebook Fan Page: www.facebook.com/josh.cantwell1Josh Cantwell – Twitter: www.twitter.com/joshcantwell

Josh Cantwell – LinkedIn: www.linkedin.com/in/joshcantwellDerek Walkush – Twitter: www.twitter.com/derekwalkush

Derek Walkush – LinkedIn: www.linkedin.com/in/DerekWalkush Sharp Concepts Realty: www.freeclevelandhomesearch.com

FollowUs

Online

6659 Pearl Rd., Suite 202Parma Hts., Ohio 44130

REAL ESTATE NEWS FROM

JOSHCANTWELL

1. Sit down for the next 30-60 minutes and think about what your real life goals and objectives are, esp. financial – 1 year, 5 years:a. Health and fitnessb. Spiritualc. Love/relationshipsd. Parenting or

mentoringe. Social lifef. Financialg. Careerh. Intellectual

2. Spend as much time as it takes to write down those goals.

3. Look at those goals every day and take action.

4. Make specific plans to achieve the goals every day.

5. Work your plan every day and achieve your goals in the amount of time allotted.