GRANT MONEY WITHOUT COSTS AND WITH YOUR NAME ON IT…NOW!

“HOW TO GET YOUR OWN GRANT FUNDING TO START A BUSINESS,

BUY, ACQUIRE, BUILD OR REFURBISH INCOME PRODUCING REAL ESTATE!”

Though it’s not widely known or publicized, it is a fact that every year BILLIONS of Dollars are earmarked to be given away by the Federal Government and scores of Private Foundations.

It’s time now to Discover How You Can Get Your Share!”

FREE GRANT MONEY.

‘Sound too good to be true?  Well, the fact is that thousands of government agencies and foundations are required (mandated) to give away money every day. As you read this, be aware that other people just like yourself are currently receiving millions in grants, loans, subsidies, and more…’simply because they asked an expert like Chris how to do it.

Most people never apply for this FREE GRANT MONEY because they assume they won’t qualify, they think it’s a hassle to get it, or they simply don’t even know how to try.

The fact is that people just like you receive FREE GRANT MONEY and many other benefits from the government or private foundations every single day…’and you can (and should) too!

For ANY BUSINESS OWNER or ENTREPRENEUR there is funding available at this very moment to start a business, expand a business, hire new employees, buy new equipment, buy new vehicles, ‘develop new products and fund new research, plus countless other opportunities.

If you want an EDUCATION for yourself, for your employees, for a child or grandchild, there are thousands of scholarships, awards, and bursaries (grants) at your access for attending college, university, or trade school. In addition, there are thousands of private foundations and other benefactor organizations that also make funds available for such purposes.

If you’re a REAL ESTATE INVESTOR, there is funding available for down payments on houses, money to invest in multi-family buildings, cash for closing costs, for renovation, for upgrading existing properties, for paying your mortgage and even for assisting your tenants in paying you,

In fact, there are many grants, subsidies, zero interest loans, low interest loans, and even loans that you don’t have to ever repay.

Chris Johson’s Bio

Known as The Grant Funding Expert, Chris Johnson is the most sought after educator in the field of government grants and private funding sources within the United States and Canada.

Chris has taught thousands of people in many countries, how they can receive grants, subsidies, tax rebates and low or no interest loans available from various governments all over the world.

The continuous stream of client testimonials that flood into his office speaks one thing with certainty: “Chris Johnson knows how to get free money and he has a time-worn and well-proven system… that WORKS!”

Using Chris’ easy-to-use system, many of his students are now very happy recipients of grants, loans and subsidies in various areas: Business, Education and Real Estate Investing.

This Government money has been around for decades. Yet, not everyone has heard about it or even knows that it’s available.

The question:  Why is that?

While the government authorities have been diligent in allocating money to millions of American, and continually making such funds available to qualified people, they don’t advertise the fact or even publicly announce these fantastic programs, leaving the majority of the population wholly unaware of the money sitting right beneath their noses.

Chris has spent many years along with his dedicated team of professionals, diligently researching which programs are available today; ‘from which government  offices, and organizations.  Chris spends his working hours helping scores of his clients to access this funding.  In other words, Chris knows exactly WHAT programs are available in your area and HOW to successfully apply for them.

Having this knowledge and government funding acumen is what makes Chris Johnson the most sought-after educator on this subject on the American Continent. He is regularly called on by the world’s true financial heavyweights to share his wisdom.

Chris has shared the stage with Sir Richard Branson, Donald Trump, Al Gore, Robert Kiyosaki, Tony Robbins, Jack Canfield, Suze Orman, Rudy Giuliani and many other top financial and business experts.

Humble beginnings… 

Early in his career, Chris gained valuable experience as a successful restaurant and hotel manager. It was during his climb up the corporate ladder that caught the entrepreneurial spirit and decided to extricate himself from the “rat race,” and pursue his entrepreneurial dream of owning and operating his own business…opening and running a very successful high-end, luxury dry-cleaning business for 4 years.

Despite his self-employment and being his own boss after all, Chris still felt trapped in his business…considering the long hours and late nights. He eventually sold the business for a handsome profit, and launched a successful event-planning business.

A turning point…

It was while running his event-planning business, that Chris discovered he enjoyed meeting people from various walks of life, and more importantly, while helping them with their own events, meetings and seminars.   Little did he know that this would be pivotal life altering turning point.

Being able to successfully put together one gigantic corporate event after another is no simple feat.  It didn’t long for his reputation to spread. People quickly recognized his passion and dedication as the business began leaning more and more toward seminar and workshop promotion.

As he continued to plan and coordinate events for several well-known and influential people, the door of opportunity opened even wider for him as he became a highly sought after large group event host and master of ceremonies!

A new passion was born…

It was at this time that Chris began acquiring knowledge on real estate investing and immersing himself wholly in the industry and doing extensive research. He quickly became acutely aware of massive amounts of money available for government grants that were openly being offered to and made available for real estate investors, home owners and entrepreneurs in various walks of life.

Because of his knowledge of these government grant assistance programs, coupled with his unique gift as an educator, Chris began being invited by numerous other educators, corporations, and investment organizations to teach them how to obtain government funding.

As the success stories began circulating, Chris received many thank-you letters, emails and faxes from people telling him how much free money they’d been able to obtain, and even more importantly, how their personal lives and financial situations has improved – all because of the information Chris shared with them.

That’s when Chris had his epiphany (he “A-HA!” moment). He now realized his passion, his one true calling in life: teaching to audiences and sharing his knowledge on government grants and funding.

And the audiences all returned that love! They raved about his boundless energy, his passion, and his gift to inspire them with his teachings…. and most importantly… the fact tht they were using Chris’s strategies and continuing to obtain huge amounts of free Grant money!

They wanted to see more of Chris.  They wanted to learn more from Chris. They couldn’t wait for him to return to their city to teach.

Eager to meet the needs of their audience, conference and seminar organizers started calling Chris regularly to speak at their events. His phone lines were busy with one speaking engagement after another.

Chris was in high demand – everyone loved seeing him and meeting him in person!

And that’s how Chris became…

The Grant Funding Expert we know today

Chris is a believer that his success is measured solely by the success of his students.

Many who use Chris’ program have received tens of thousands, even hundreds of thousands of dollars in free money for their real estate projects, for business launching s or expansions, and for getting their kids educated for free in the finest colleges and universities.

As the “inventory spiral” has real estate investors scrambling around to figure out what to do about acquisition, Kent Clothier, and Team, once again bring cutting edge innovation to the forefront, delivering that competitive advantage that real estate investors are seeking.

(Newswire.net –  June 7, 2013) Lajolla, Ca – As the playing field of real estate investment has shifted in 2013, the “inventory spiral” has real estate investors all over the place scratching their heads and wondering what the heck they are going to do about acquisition. Kent Clothier has long been known for his keen ability to recognize changes on the playing field, pinpoint the challenges that are being presented with any given market, and zero in on the competitive advantages needed to circumvent them.

With his proven track record in the real estate investment game, and a cache of products and systems that are widely known for their efficacy, Clothier has become a highly respected and sought after coach, and mentor, in the real estate investment field.  So, when Chris Richter proffered the $15,000 coaching fee for a bit of Clothier’s time, Kent Clothier had no idea what he was in for.

Richter, a real estate wholesaler with an engineering background, had done pretty well in the real estate wholesaling business until, like so many others, he lost everything in 2008. With a family to support, Richter knew he had to do something. Desperate to turn things around, he went into his “cave” and started doing research, knowing there had to be something he was missing that would help him get his real estate investment business back on track.

After countless hours of compiling and crunching dozens of data points per property, he started to see a trend. When he found that trend, he knew he had a model that would give him that competitive advantage he needed to get rolling again. Richter had found a way to systematically find, and purchase, vacant properties, before anyone else knew about them. He started using his system, and it worked spectacularly. The only problem was, he didn’t know how to automate it. Everything he was doing, he was doing manually.

“The kid spent $15,000, just so he could ‘pitch me’ on a great idea he had. We ended up in our own version of “SharkTank”. – Kent Clothier

Richter approached Clothier about coaching him on his real estate investment business. Joining Clothier at his house in La Jolla, California, Richter shared with Clothier what he had been doing. Clothier was blown away.

Turning in astonishment from the meal he was preparing, he asked, “You seriously have that information”?

Richter had cracked the code on how to find hidden deals. “I couldn’t believe it”, Clothier said, “he had figured out what we had never been able to figure out.  He had found the patterns. Suddenly I had become the student, and the student had become the teacher”.

Putting their heads together to analyze the logistics, Clothier, “the system king”, and Richter, with his formulas, decided to leverage each other’s resources and Find Motivated Sellers Now was born.

Find Motivated Sellers Now is a fully automated system that allows users to easily find, and purchase, vacant properties before anyone else knows they exist; all that, with just the click of a mouse. As if that weren’t enough, it also teaches real estate investors how to deal with motivated sellers who are sometimes wary after years of a market in crises.

In today’s crazy real estate market, where there are actually bidding wars and lotteries for making offers on properties, Clothier has done it once again; he has created, and made available to the real estate investment community, that oft-times illusive competitive edge.

We talk about marketing strategies that we have full access to, which others simply do not, and about which they haven’t a clue as to how to implement our proprietary ideas and systems.  For instance, our excellent staff of trainers (Jeff Hatcher, Bret Ehlers, Bill Gatten and other special guests) cover a myriad of topics regarding how a 3^rd Party Land Trust Conveyance (EHTrust™ accomplishes all of the following (‘just to name a few of the remarkable profit centers):

• Working over-encumbered properties for BIG bucks
• What to do with foreclosures beyond the short sale or modification
• How Equity Sharing done properly provides Appreciation Insurance
• How money can be made (lots of it) where others see no hope at all
• How to convert short sales into safe and harmless full commission sales
• The real way to do options…without any of their down-sides
• How to do Contacts for Deed, All-Inclusive Mortgages, Equity Shares and Land Sale Contracts, without due-on-sale violation
• Doing all of the forgoing without Dodd-Frank (seller-financing) compromise
• Holding properties in a Faux Escrow (i.e., in a 3^rd party trustee) for the purpose of avoiding the necessity of new mortgage qualifying, exorbitant down-payments and stringent credit requirements
• How to pick up a property and flip it in a week with escrow or new title insurance
• Using our on-line documentation and form creation data-base

BIG PROFITS WITHOUT COMPETITION

Bill Gatten

Consider this:

If you knew with virtual certainty that a stock (‘say, “Peach Computers”) that is selling for $550 per-share, would more than double in value over the next two months, would you be willing to pay $600 per-share for it (‘assuming you had no other way to buy to it)?

Alternatively, let’s say that you are given an opportunity today to take-over a clean 3 bedroom, 2 bath, 1800 sq. ft. $250,00 home in a nice area– i.e., ‘one with no payments, a positive cash flow of, say, $200 per month…’and without the necessity of a down-payment, new financing or credit qualifying.  Would you take it?

Wait!  Before you decide, remember that this fictional property, like the fictional stock, has no equity (‘i.e., its market value is $250,000 and loan-payoff is $275,000).  I.e. ‘not only is there NO equity, but there is NEGATIVE equity).  ‘Still interested?

Note here, as well, that should you accept the property as offered, you will have no maintenance, management or repair costs.  Moreover, ‘it’s not you who will be primarily responsible for making payments or paying for property tax, insurance (‘or any HOA dues or assessments), and your name will not be on the mortgage.

Next question:  Pipe dream, or dream-come-true?  Or is it one of those too-good-to-be-true scams that pop-up so frequently in our business?

I’m hoping (trusting) that your response to the first two questions above (i.e., ‘Would you do it?) was the same as mine would be…i.e.: “You can bet your booties!”

“But why on Earth,” some might say, “would anyone choose to take on the responsibility of an overpriced, over-encumbered income property with negative equity?”  [Side analogy: ‘Why do people keep buying stocks and bonds when their value is exactly equivalent to their sale price?].

The real issue here is that Equity in real estate is wonderful when you have it, but it has never been the “Be-All and End-All” when it comes to real estate acquisition; and those who think otherwise are missing the point and missing-out on millions of dollars in potential income, profit and a life of financial security.

There are, after all, myriad readily salable benefits of real property ownership, aside from Equity. Some of them are listed here:

1. Income Tax Write-Off for mortgage interest and property tax (‘and its “transferability”);
2. Equity build-up from mortgage-principal reduction;
3. Equity build-up from economic appreciation;
4. Use as collateral for other real estate acquisitions or unrelated business opportunities;
5. Rental, Lease and Purchase-Option income potential;
6. Time-sharing potential in certain types of properties;
7. Re-salability (marketability);
8. Land Use, beyond residential occupancy;
9. Profits derived from “flipping” and/or discounting one’s ownership or acquisition rights to another party;
10. Pride of Ownership– ‘arguably the singular most sought-after, salable and coveted aspect of homeownership an elevated price).

It’s clear in perusing the foregoing list that one needs only a few of these benefits (‘maybe even just one) to make money in the business of real estate acquisition.  For example, consider how you might fare in your own real estate investing endeavors were you to have, say, only items  #3, #2 and #8; or perhaps only items #2 and #3; or #4, #7  and #9 (or maybe all ten)…

EXAMPLE:

A “Don’t Wanter” homeowner is straddled with a $250,000 property with a loan balance of $350,000 (i.e., ‘upside down by $100,000) and an aggregate PITI payment (i.e., principal, interest, taxes and insurance) of $2,530 per-month. [i.e., P&I = $1,880 + T = $525 + I = $125].

1. Consider that any traditional homebuyer acquiring a similarly valued home would need to take out a loan for $250,000 at, say, 4.5% interest; and if 100% financing were indeed available to such a buyer with perfect credit, the aggregate PITI payment (i.e., principal, interest, tax and insurance) would be $1,742 per-month for 30 years (i.e., P&I = $1,342 + T = $260 + I = $100).
2. Therefore, quite obviously, a seller of the over-encumbered property described above (i.e., $250K value with a $350K loan) can’t sell traditionally without paying his bank $100,000 and covering closing costs of about $20,000.  He/she is, instead, forced to rent or lease the property for around $1,600 per-month: i.e., leaving him/her with a negative cash flow of over $900 per-month, plus all the effort and expense of rental property management and maintenance (‘not an enviable position in which to find oneself).
3. In view of ‘a’ & ‘b’ above, what might such a property owner say to your offer to take the property over and reduce the negative cash flow down from $900 per-month to, say, $400 or $450 per-month, while you simultaneously relieve him/her of 100% of all management, maintenance, taxes and insurance expenses…AND the $100,000 over-encumbrance?

   And by doing this for the seller, are you not essentially handing him/her $100,000 in debt-relief?  Realistically, should any reasonable person in this predicament object to paying you, say, $25,000 upfront, or, say, $500 per-month for 60 months, for doing this for him/her?

4. Then, by the same token, what might a potential homebuyer with marginal credit and lacking a down payment say to paying you a bit more than Fair Market Rent in exchange for 100% the income tax write-off for property tax and mortgage interest, along with all (100%) of the benefits inherent in Fee Simple real estate ownership?
   1. Think about it… ‘for someone in a one-third tax bracket, the after-tax cost of renting for $1,700 per-month is actually $2,550 per month (i.e., ‘after earning that amount and giving 1/3^rd of the earnings to the government for taxes, 2/3rds of the $2,550 is left over for rent ($1,700).  This then, quite obviously, means that the actual after-tax cost of renting in this case is really $850 per-month more than the $1,700 rent.
   2. Question:  Which is less expensive — the after-tax cost of $1,700 per-month rent, or an aggregate mortgage payment of $2,200 per-month?
   3. Answer:  Because of the tax deduction benefit, the $2,200 house payment turns out to be $450 per-month less expensive than renting the same house for $1,700 per month.
5. Now, stop a moment and seriously consider how much a tenant-buyer might pay you upfront (or per-month over and above the “mortgage” payment) for your putting him/her into real home ownership without a down payment or any more credit-qualifying than you, yourself, might require.   With $500 from the seller and $2,200 from the buyer per month, you have a positive cash-flow, in addition to the upfront money (or the no-interest monthly installments paid to you for it).
6. Also note that in any such arrangement, your “seller,” your “buyer” and you are well-shielded against threatened litigation involving the property by virtue of the Open Door Wealth Management Equity Holding Trust Transfer® in whose bonded, licensed, non-profit corporate trustee the property’s legal and equitable title is vested for the term of the agreement for ease of transfer, “escrow” safety and asset-protection purposes.

]]> http://landtrust.net/2014/02/06/over-encumbered-properties/feed/ 0 http://landtrust.net/2013/04/29/can-a-land-trust-help/ http://landtrust.net/2013/04/29/can-a-land-trust-help/#comments Mon, 29 Apr 2013 22:31:22 +0000 http://beta.landtrust.net/?p=532 …

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]]> CAN A LAND TRUST HELP AVOID THE PERILS OF INNOVATIVE REAL ESTATE FINANCING

Much has been said and written about the NARS Equity Holding Trust™ concept (the NEHTrust™) and it appears that a select few are finally beginning “to get it.” However, probably because the NEHTrust™ so effectively replaces the need for other creative financing schemes and dreams, it often falls under attack by its detractors (especially by certain lawyers who make their livings by doing that which they more fully understand; and by those who tout and teach older, less protective, concepts such as wrap-arounds, contracts-for-deed, equity shares and lease options).

In actuality NEHTrust™ supports the objectives of each of those seller-carry vehicles, while offering a much sturdier platform for protecting the property, and therefore the principals, from the myriad risks and downsides of owner-carry financing. Few proponents of subject-to financing wouldn’t agree that there are numerous risks inherent in one’s agreeing to share a property’s title or mortgage loan obligations with another.

The NEHTrust™: A property is vested with a land trust trustee, and instead of conveying title interest; a PARTIAL beneficiary interest in the trust is assigned to a would-be buyer. That party, once named a successor beneficiary in the trust, and a lessee in the trust property becomes entitled to all the benefits of ownership, including tax deductions for mortgage interest and property tax.

STUFF TO AVOID WHEN YOU CAN

Let’s look into a few potentially risky shortcomings pertinent to creative real estate financing, which downsides can be avoided by use of the multi faceted titleholding land trust. The objective for anyone acquiring real estate ownership should always be minimum risk and maximum protection, without sacrificing income or capital gain potential.

Violation of the Lender’s Due-On-Sale Clause. Whether deemed a threat by certain “gurus” or not, a DOSC call can be disastrous for someone who cannot afford to refinance, if a lender were to call its loan due because of an unauthorized title transfer (NARS holds letters from major national lenders clearly stating that the NEHTrust™ model does not create a compromise of their alienation admonitions).

The Threat of Either Party’s Legal Actions Creating an Attachment or Charging Order Upon The Property. In any so-called Wrap, Contract for Deed, Lease Purchase or Equity Share arrangement, multiple parties are involved, and each one has either a valuable financial interest in the property, or has a primary payment obligation relative to its mortgage. As a result, there is always a real danger that either party’s liens, lawsuits, marital disputes, bankruptcy or Probate proceedings would seriously cloud title to the subject property, thereby creating a grave predicament for the other party. This threat is virtually eliminated by use of the co-beneficiary, third-party trustee, title-holding land trust, in that a beneficiary’s ownership is purely of personalty (a personal property interest in the trust) rather than of realty and cannot be partitioned by judgment creditors (legal opinion letters on file)

Difficulty in Dispossessing an Errant Tenant/Buyer. When an equitable interest in real property is conveyed to someone with possessory interest in that same property, such party is no longer subject to eviction for damage or non-payment. Instead, dispossession of an “owner” must take the form of foreclosure, and may also require ejectment actionand quiet title action in order to regain possession, entry and salability of the property. Therefore, one might be well advised to employ a land trust for conveyance to a prospective buyer. Such an arrangement might remain in effect until such time as the tenant/beneficiary sold the property, or refinanced and purchased it outright.

In the NARS PACTrust™, a corporate trustee holds legal and equitable title as the tenant/beneficiary remains under the threat of simple eviction, while concurrently enjoying all the benefits of ownership without ownership in the realty itself.

STUFF YOU CAN DO WITH A CO-BENE. LAND TRUST

To effect the objectives of a Lease Option (unilateral agreement to sell), the land trust property can be leased with a contractual understanding that the tenant may purchase the property or a future interest in the trust itself at some later date. Such purchase could be set at full Fair Market Value, less any monies owned to the tenant by the trust. And instead of an option fee, the tenant could post the trust‘s required contingency fund. The monthly lease obligation becomes an aggregate payment that includes the mortgage principal and interest, the property tax, the insurance and an overage that becomes the settlor’s (investor’s) positive cash flow. [Note that any contract verbiage connoting an option to purchase constitutes a due-on-sale violation (re. 12USC1701-j-3)]

To effect the objectives of a Lease-Purchase (bilateral agreement to sell and acquire), the land trust’s tenant beneficiary can be assigned as little as a 10% beneficiary interest in the trust with a promise to convey the remainder upon the tenant/buyer’s outright acquisition of the property. All benefits of ownership including tax write-off are available to the tenant in this model.

To effect the objectives of a Wrap-Around Mortgage or Contract for Deed, the wouldbe buyer/vendee is made a successor beneficiary in the land trust and given, say, 10% or more beneficiary interest in the trust until a new loan would be obtained and the property be purchased outright.

To effect the objectives of an Equity Share, the tenant/beneficiary is given a 50% interest in the land trust, and a like share in net profit sharing when the property sells or is refinanced by the tenant (following a return of the investor’s initial equity at start).

The NARS Tax Lease: The tenant/beneficiary is given a 10% interest in the land trust, along with the full burdens of ownership and agrees to relinquish that interest at termination of the trust. In order to be entitled to the tax write-off, the tenant need only qualify under IRC 163 and hold at least a 10% beneficiary interest in the land trust.

]]> http://landtrust.net/2013/04/29/can-a-land-trust-help/feed/ 0 http://landtrust.net/2013/04/29/should-you/ http://landtrust.net/2013/04/29/should-you/#comments Mon, 29 Apr 2013 22:19:23 +0000 http://beta.landtrust.net/?p=531 …

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]]> SHOULD YOU WEAR SUSPENDERS WITH YOUR BELT?

ASSET PROTECTION BY LAND TRUST…AND LLC

Having been in the land trust transfer and facilitation business for nearly fifteen years, we get frequent questions from our clients and students around the country regarding the superiority of the (Illinois-type) land trust versus the limited liability company (the LLC) as asset protection devices. My response is always the same: An LLC will protect YOU; the land trust will protect your property, and when used together t your real estate holdings can be virtually “armor-plated.”

But irrespective of what the answer might be, never forget that, “In today’s litigious society, holding real estate in your own name is tantamount to walking down Lawyer Boulevard with a sign on your back saying: “I dare you. Sue me. I’m rich.”

THE LLC:

The LLC is a company (not a corporation) that combines many of the features of a corporation, but which is more akin to a sole proprietorship or partnership, depending upon the number of its members. In comparison the LLC, as a pass-through tax entity affords its members simplicity in tax accounting and reporting. Beyond that, however, the entity’s primary purpose is that of shielding its member-owners from litigation that would befall the company and its assets. In other words, were an LLC to be established for the purpose of operating a packing plant and someone were to slip and fall into a meat grinder and loose a leg or two, the claimant’s legal recourse would be limited to the assets of the company, and not to any other assets owned by its operators (members) outside the company. Even were the business to be taken over, or closed down and liquidated by the claimant, the owner’s homes, golf club memberships, automobiles, furniture and private bank accounts would remain out of the reach of the law suit.

Relative to this article, bear in mind that any company in operation could, should it so choose, hold as its only asset, a single house, condominium, townhouse or apartment building. In any of these instances an LLC, LP (limited partnership) or FLP (family limited partnership)…all of which protect their members (owners) from claims against themselves personally…are considered by many to be the most ideal forms of small business ownership.

[For additional info. re. limited liability entities see (for example): www.corpnet.com]

AND NOW THE LAND TRUST:

Much has been written in the last twenty or thirty years about the feasibility, functionality and versatility (and safety) of the “Illinois-type” Title-Holding Land Trust. Be that as it may, however, there contuse to exist a major lack of knowledge as to what a land trust is, it uniqueness, and all that it can do for its beneficiaries. For example, few attorneys are aware, and will argue in ignorance to the contrary, that when a property is placed into such an entity, its real property ownership is converted to ownership of pure personalty (i.e., both legal and equitable title are vested with the trustee, leaving the grantor/beneficiary with only a personal property interest in the trust, and no further ownership of the property, but with full directive control over the actions of the trustee owner).

In such an “equitable conversion,” the land trust provides its beneficiaries with all the protection that the law affords personal property owners (limited partition rights by outside parties; anonymity; privacy of ownership; inability of judgment creditors (including the IRS) to penetrate a (co-beneficiary) land trust in order to reach its corpus (the property); the avoidance of a lender’s due-on-sale clause upon fractional transfers of beneficiary interest (assuming that the borrower/transferor is a “natural person” under the law…i.e., not a commercial enterprise to whom the loan was made).

It is also infrequently known that land trusts are legal in all states, although they are officially recognized only as “Uses in Land” versus “Uses in Trust” in Louisiana and Tennessee. One can transfer a property’s full ownership benefits with one brief document without escrow, title, or lender involvement. When a property’s title is held by a third-party land trust trustee, the property is for the trust term essentially in a state of “Escrow,” meaning that during the trust term no single beneficiary can act unilaterally (i.e., without the unanimous consent and direction of all beneficiaries). A co-beneficiary in a bona fide land trust can in-fact lease the property from the trust and, given at least a ten-percent beneficiary interest in the trust, receive full treatment by the IRS as a homeowner with full income tax benefits for mortgage interest and property tax deductions (IRC163(h)4(D).

Now…couldn’t a person armed with this information place its real property into a land trust and name his/her LLC as a co-beneficiary in order not only to shield it from public view, but to also hold it beyond the reach of potential judgment creditors (including the IRS)?

]]> http://landtrust.net/2013/04/29/should-you/feed/ 0 http://landtrust.net/2013/04/10/are_you_worth/ http://landtrust.net/2013/04/10/are_you_worth/#comments Wed, 10 Apr 2013 07:35:24 +0000 http://www.creativewealthbuilder.com/?page_id=248 …

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]]> PRAYERS, WISHES, WANTS, NEEDS, DEATH AND DYING…AND DO YOU HONESTLY DESERVE WHAT YOU WISH FOR?

Some of us are born with the gifts that seem to automatically make superstars of us without a lot of effort (natural athletes, natural actors, natural musicians, artists, writers, the unnaturally lucky, etc); but alas, most of us are not superstars by virtue of our birthright. In fact, most of us have to establish whatever stardom we are ever to attain by the sweat of our brows, and most often in the face of sometimes seemingly insurmountable obstacles and handicaps that life has endowed us with (in order to test our steele).

We did not choose the geographical location of our birth, our parents, their birth place or their mindsets; or the conditions under which they were raised, or how they raised us. We are, none-the-less, victims of all of those aspects of our own heredity, parentage, peer-pressure and early environment. Fortunately though, we have been given the gift of Free-Will, and the right to override or neutralize any part of our personal heritage and neural programming that we are willing to look at closely enough…and take the time necessary to understand it all and work through it, around it and in spite of it.

This aspect of our personal control over who we are, and can become, has many names: Self-Directed Destiny; Programmed Life Management; Objective Oriented Self Discipline; Structured Determination, Focused Achievement, and so on. But to me it all boils down to just plain old ‘Personal Goal Setting.’

The most common error (and the most disastrous one) in Goal Setting is that of mistaking one’s Wishes (wants) with what Napoleon Hill referred to as “Burning Desire (unquenchable dire need).” It is only this burning desire that can lead us through the life-changes and mental re-programming so necessary for achievement of the abundance that is our absolute right and which most of us desire—even pray for.

To make a wish, we need do nothing but think it, retain it in our thoughts for a while, and wait and see what happens. With dire necessity, however, we must move several steps further, and acknowledge without question that we will actually die in some way should these elemental components of who we are go unfulfilled. We humans are simply incapable of allowing any real need to go unrealized. We will strive to fulfill our needs at any cost: wishes, hopes, dreams and passive prayer take a backseat.

Have any of us ever gone without water or food indefinitely? No. That’s because we would die if we did. Do drug addicts, alcoholics and tobacco users go without their regular daily fixes? No, because a terrible sickness and feeling of immense loss would overtake them, and a major part of who they have become would have to die a painful death. The fact is that no true need goes unrealized…ever. One might idly wish for food and drink and not get it right away: but when it becomes a matter of life and death it will never fail to appear (even to the extent of one’s own body’s resorting to digestion of itself in order to prolong existence as long as possible). Ergo, it would then seem that if a particular goal were to become a necessity incorporated into this “fear of death” equation, its attainment would be certain.

In support of this concept, consider the reason we panic when deprived of air fora brief while. It’s because we fear death. When struck with illness, our fear of dying calls our sympathetic and parasympathetic neural systems to the healing process to the detriment of life-saving sugar, protein and fat stores. When we have too little income,why do we worry and fret about bills, creditor retribution, legal action and loss of our personal possessions? It’s because we are overtly afraid of being unable to sustain our lives if we fail at those activities that are necessary for our survival.

It is the universal fear of dying that forces all of us to strive, to forage, earn, achieve and build (and re-build). Though we are hardly ever consciously aware of this ever-present fear it’s always there, prodding us ever onward, requiring toil, attainment, procreation and the building of stores in reserve. In view of all of this, doesn’t it then stand to reason that if we would seek to accomplish something heretofore seemingly unattainable or impossible, that it would naturally manifest if it were to be directly associated with our natural fear of death (i.e., becoming a dire necessity).

Let’s say you’d like to build a 40-story high-rise, or, say, a 1,200 foot-long aircraft carrier, you certainly are free to do begin doing so if you choose. Many have inf act built thousands of these things and were greatly rewarded for having done so. But, until completion of such work becomes an absolute necessity, you likely will never start; and if you do start, you will likely never finish. It’s only when a major aspect of your life depends on it and will surely die otherwise, that you will do what all builders of 40-story high-rise buildings and aircraft carriers have always done…pull it from potential by imagining it, converting it to substance by drawing it and making it real by building it.

So…before writing out your objectives, choosing a mantra, and heading off to visit Mahesh Yogi in India on your trek toward bliss, take the time to figure out what your goals actually are; which of your “wishes” are worthy of being converted to “dire needs”; and what your resources for accomplishing these aspirations might be. Should you come up short in the “resources” area, then you have to write-out a plan for either attaining what you are lacking, or for replacing what your are lacking with something else of equal value that you have more than enough of (e.g., physical work can replace the need for cash; eliminating someone else’s burden can replace the need for credit; patience can replace experience; caution, diligence and research can replace formal education; hard-learned valuable skills. And tenacity trumps a college degree every time.

A good test of what wants can be converted to needs, then to dire necessity is to ask yourself which of the following you could in-fact live without in reasonable comfort…if you had to. Strike through those items that are not completely necessary, and without which some part of you would not surely die. The items that are left over are beyond wishes: they are your wants. But its crucially important to know that until each want is elevated to the status of Need (a life-sustaining necessity) it will likely continue to remain allusive if not wholly unattainable.

Full-time self-employment More social acceptance More public popularity Fame Prestige A better/safer living environment A rich person’s high-class lifestyle A bigger and more prestigious home A new, more rewarding career A chauffer driven limousine A new face New teeth A trimmer or m ore attractive body New friends Better friends A larger bank account A large stock portfolio A retirement fund True Happiness (Bliss) Personal contentment Freedom from drudgery More self-esteem A greater inner feeling of personal value

A less strenuous, demanding or tedious job More vacations and the ability to afford them A much higher income A new or more suitable spouse A new identity A more attractive physique A private airplane Freedom from disease worries A newer car A more showy car An executive job title A bigger office A well-defined life-purpose Great spiritual fulfillment Greater spiritual understanding Absolute certainty re. the existence or non-existence of God, ghosts,s pace aliens, angels and mental telepathy A TIVO The ability to comfortably take risk

Prayers, Wishes, Wants (Desires)…and true Needs:
1 ) Praying – acknowledging your inability to attain on your own,
2 ) Wishing – being dissatisfied with the status quo (the way things are);
3 ) Wanting –preferring one thing over another thing with which you are not wholly dissatisfied
4 ) Needing – requiring a necessity of life (that avoids death to some degree)

Never forget that, according to Epictetus, a 5th Century BC orator: “[A person's] Wealth is measured only by the expense of one’s [that person's] pleasures.

”In other words, when life itself is your gift, and when the least expensive pleasures are your greatest rewards, you are already wealthy beyond calculation: no matter how much or how little money you have. My own true net-worth quadrupled when my children were born, and quadrupled again with the arrival of my grandchildren. Think about it…who is wealthier: the man with a big house and matching mortgage, five tapped-out credit cards and a 72-month payment plan on a new Mercedes Benz convertible–or a well-loved and highly respected Eskimo hunter with eight good dogs, a jolly fat wife, seven healthy children and five years worth of walrus blubber…and plenty more where that came from?

The answer is, of course, the Eskimo…but only until and unless he would develop an eye for more than he has and not be able to afford it: an insatiable taste for filet mignon, Chateau Lafitte Rothschild and Mercedes convertibles. Should that happen, he instantly tumbles from real true Wealth to abject poverty…UNLESS those things are what he needed and knew he deserved all along, and he planned well relative to their affordability and his adaptability.

Converting a Want to a Need, and a Need to a Burning Desire (dire need) are the first real steps in goal setting, and the process requires much thought and definitive action. For example, if you’re having difficulty in making the life-saving decision to jump off the 200 foot high cliff into the cold raging river below, in order to protect yourself from the menacing band of marauders who are hot on your trail, out to kill you, and drawing nearer every minute…just do this: Tie the end of a long rope around your waist, then tie the other end around a massive round rock. Then roll the rock to the edge oft he cliff. If you‘re still afraid to jump but know you have to, just push the rock the rest of the way over…your fate is now sealed. You needn’t worry about making the decisions any longer. Definitive action tied to need is what brings all “potential” into the physical universe and into our lives.

The Peloponnesian War of 404 BC between the Spartans and the Athenians serves a good example of how wants are quickly converted to needs.

When the Spartan ships landed and the soldiers were outfitted and lined up fort he siege, all their ships were set on fire, eliminating any possibility of retreat. It was at that point that the Spartans realized that they must either be the victors or die trying (as it were)…there was no means for retreat. With this added incentive the Spartans annihilated 25% of the Athenian Population and took charge of Greece…having fulfilled a need that might not have worked out so well for them had they retained the ability to withdraw when the going got rough.

To become honestly wealthy and attain abundance in this life you must first know what it is that you honestly want, and then you must convert that want to dire need and give yourself no choice but success.

SO WHAT WILL BE YOUR PLAN OF ACTION (I.E., YOUR “POA”)?

One’s “POA” is that long rope and that big ol’ rock at the edge of the cliff referred to earlier.

The POA is your design for success. It is the very map of your destiny. It becomes your guide to all of what you must do to become who and what you ‘need’ to be (not what you ‘want’ to be), and to attain all of what you need to own and control during this roller coaster ride called “Life.”

Goals that are held only in the mind of the hopeful are never goals at all. They’re just residual random electronic impulses left over from unfulfilled wishes, nothing more.I t’s only when our hopes and dreams begin the physical transformation from potential( yet to exist) to substance (materiality) through the process of writing them down on paper (or chiseling them in stone) that they can begin to metamorphose into need fulfillment.

As has been said many times, handwriting your goals is always preferable to typing them out in your word processor. The more arduous and physical the mind-to hand transference exercise is, the more likely the transformation will take place (i.e., the moving of a conceptualization from the ethereal realm of pure ‘potential’ into our world or physical reality). Although I don’t believe viewing your goals daily and repeating them aloud to the bathroom mirror and moaning a mantra is ever necessary, it is none the-less a good idea to keep them in a safe place, and review and modify them every few months.

Forty years ago, I was dissatisfied living on only $326 per-month (before deductions); but with that income I could fairly comfortably cover a $60.00 per-month rent payment; a $35.00 per month payments on my brand new Ford Falcon; I could buy gasoline (39 cents a gallon), J.C. Penny’s clothing; and all the groceries I needed, fora bout $15.00 per week. And after the bills were paid I still occasionally had enough left over to take my wife to a drive-in movie once a month or so. Oh, and water was almost free then (‘didn’t know it had to come in a bottle in those days).

Interestingly most of my close friends at the time who made even less than I did could somehow always afford to buy a case of beer along with their groceries every week. I often wondered how they managed to do that, when we seldom had anything left over at all, especially for fun stuff. I once asked my buddy Bob about it and he jokingly replied…”Hey man, it’s because beer’s a number one staple in my diet and I can’t live without it.” I didn’t get it at the time, but forty years later I now appreciate the philosophy. This fact is that I only “wanted” a case of beer every week, but didn’t need it, so didn’t budget for it. Bob needed it…and it appeared every week. If it’s not a need, then it’s only a passing fancy.

In those days we associated with some who couldn’t afford even as much as we could (much less ol’ Bob): but I felt somehow looked-down-upon by those with whom I most wanted to impress and associate: high school friends who were coming out of college as doctors, lawyers, engineers, dentists; local civic activists; politicians, etc.). ut now, 40 years later, because of converting my wishes to necessities, I find myself earning more than most all of those old friends, but prone to becoming frantic if my monthly income drops below $30-40,000.00 (after deductions).

What do you suppose it is that I’m doing any differently today than I was forty years ago?

I’m doing absolutely nothing different, except following a plan that converts wants to needs. And directly because of that plan, I now live in a much larger house in a much nicer area; I drive nicer cars and because of a far larger bank account, take more elaborate vacations and eat snootier foods.

And, too, I’ve thrust various ancillary necessities into my current lifestyle that weren’t there before (vacation cruises, country clubs, first-class and frequent airline travel, nice hotels, fine dining, fine clothing, housekeepers, gardeners, maintenance people, big screen TV’s, hobnobbing with the rich and phony, etc.): all this is luxury that was absent and thought to be unattainable a few years back. But now-a-days I never think of these elements of my life as being luxuries…today they are (in my present mindset) integral pieces of who I am, whom I have worked and planned to become, and whom I choose to be (…and I ain’t finished yet).

Were I now to be deprived of any one of these previously ancillary and unnecessary (un-needed) items, a part of who I envision myself to be would cease to exist (i.e., that is to say that part of my persona would die). My so-called luxuries are no longer just wants and wishes…but are now a part of my bundle of perceived necessities to be retained and defended as an important part of the self I have built.

Could I live without these things if I had to? Absolutely! A part of me could, but another part would die and that scares the other part enough to endeavor to avoid the loss. Could I be happy without these things? Absolutely (OK, ‘maybe’…after a while).A m I wealthier because of these things? No! ‘Richer perhaps, but by no means wealthier. But, would I fight to defend and hang on to what I have? You bet! Would I gladly and freely give away any extra that I have been given? You bet! It’s weird…butt he more I give of what I have, the less I need and the more I receive, for some inexplicable reason.

This “reason,” by the way, is fully ‘explicated (explicable)’ in the Bible and virtually all other religious writings: what it boils down to is that the Universe abhors a vacuum; therefore, our deigning to create a void by giving something away can only result in the instantaneous refilling of it…which process invariably returns far more than was given away:

“Give it away and you shall receive more of it.” “Ask “how” and never
“why” and you will be answered and rewarded.” “Seek and you will find
abundance…when it is truly needed.” That is the uncompromising
Universal Law of abundance,a read Napoleon Hill’s, ‘Think
and Grow Rich,’ that is…“The Secret.”

O h yeah, and long-live the marvelous third-party trustee, co-beneficiary, inter vivos title-holding land trust transfer (the NARS Equity Holding Trust™ Transfer System).

]]> http://landtrust.net/2013/04/10/are_you_worth/feed/ 0 http://landtrust.net/2013/04/09/expired-listings/ http://landtrust.net/2013/04/09/expired-listings/#comments Tue, 09 Apr 2013 20:16:33 +0000 http://www.creativewealthbuilder.com/?page_id=246 …

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]]> When a Real Estate Broker takes a sales contract (a listing) on a property and is
unable to sell it in the time allotted, the listing expires on a stated date, and the expiration
of the listing appears in the local Multiple Listing Service (MLS) bulletin and is at that
point up for grabs for anyone intrepid enough to contact the owner of the property.
Typically these expired listings are published daily or at least once or twice per week, and
for the eyes of the MLS Member-agent only.

The information normally available in record is:

• The property address,
• Square feet,
• Date taken off the market,
• Most recent asking price,
• A description of the accoutrements,
• Year built
• Lot size.
• (In some areas) the name and address of the former listing agent

One of the favorite means of trolling for new listings for many of the more
aggressive Realtors is “Working the “Expired’s.” In order to get the next chance a the
listing, the Realtor need merely contact and convince the seller that his/her talents and
wherewithal in the business are greater than were the Realtor’s who just dropped the ball
on marketing the property that last time around. Most Realtors (not all) will agree to do
more advertising, more open houses, more pitches at the local Realtor Board meetings,
etc. But more often that not they take the same listing, put it right back in the same MLS and wait for someone else to bring them a buyer because a buyer’s agent just happened to
run across the listing when the buyer came into the office asking for properties in that
general area and price range.

Many property owners who have learned this lesson too late, and who have had to
sit and watch a burdensome and cash-draining property go unsold for six months or more
are exasperated and disillusioned with their Realtor, and with the real estate sales industry
in general. And this makes them a little testy, but considerably more open to creative
options that they may not have considered before (e.g., lease optioning, equity sharing,
rent-to-own, wraps, seller carries, contracts for deed, etc.). It goes without saying that
these people thus become wonderful prospects for a creative real estate entrepreneur who
would offer to step up and take the property off their hands, while saving them a real
estate commission in the process.

The idea here is to get access list of Expired’s in your community, or in the
community in which you wish to concentrate, and generate regular mailings to the
disillusioned owners, suggesting that you understand their plight and that you would like
to speak with them about their property…now that it’s showing on the MLS as an
“Unsold” Property (this term will create more ‘Pain’ in the mind of the seller than will
the expression ‘expired listing’).

If your not a Realtor and have no access to the MLS, one way to obtain this
closely guarded information is to find a new Realtor who may be having trouble coming
up with the money for the Board dues and their MLS membership, and offer to pay one
or the other, or both, for the agent in exchange for their access to the centralized data. In most localities it will entail being given a phone number and PIN code with which to
access the board’s website on the Internet.

A Different Approach

Network member, Adam Albright in Arizona, has come up with another twist on
working Expired listings without having to do all the footwork, and the ability to elicit
the services of a Realtor for all the hard stuff. Adam has taken it upon himself to begin
contacting Realtors in the more distant areas in lieu of the homeowner, after their listings
have expired. His fax to the Realtor essentially let’s them know that that if they can
resurrect their relationship with the seller and help him make the deal, he will buy the
property under his own take-it or leave=it terms and conditions, and see that the agent
gets paid for their services: i.e., a commissions they’ve already kissed good-bye.
Obviously this approach garners great interest from Realtors who see their hardearned listings and commissions going down the drain, because of not having been able
to perform under the terms of the agreement with their client. This also affords the
Realtor an opportunity, and reason, to re-contact their lost client with a real live
prospective buyer in hand and perhaps even get a renewal on the listing.

The following is a sample cover letter and a sample offer that can be mailed or
faxed to the Realtor. The cover letter is designed to neutralize objections before they
arise, and the offer explains the terms and the conditions and financing process under
which he is willing to proceed. If the letter is not answered, nothing is lost, and he may
contact the owner directly: if it is, then that’s another property owned. Adam’s has sent out 150 such faxes to date and his return call rate so far is 50%.

We’ll see how many deals ultimately come from the program and report to you in a
future newsletter.

THE COVER LETTER…

Ms. Brooke Angler
Century 21 Four Rivers
9876 Fly Street
Steelhead Bluff, Montana

Dear Ms. Angler,

The Rod County MLS records indicate an expiration of your Real Estate Sales
Contract with Mr. and Mrs. James Alpers on the property at 123 Lake St. in Troutsville
has expired. However, I would none-the-less like to make an offer on that property and
will, for the sake of expediency and your professional assistance, be pleased to make the
offer through your office, rather than by my contacting Mr. and Mrs. Alpers directly (if
you wish).

Before reviewing the accompanying proposal, however, in anticipation of
concerns you may have, or which may arise from your broker, your company’s attorney
or the sellers themselves, please make special note of the following important points.

• There are two ways to transfer real estate ownership – by a transfer of legal and
  equitable title to a buyer, or 2) by a transfer of beneficiary interest in a trust to a
  co-beneficiary, wherein the trustee is vested with the legal and equitable title • Although not widely known of or extensively used by the vast majority of real
  estate professionals, land trusts (Illinois type title-holding trusts) are in-fact
  extremely safe, viable, protective and wholly legal holding and transfer vehicles.
  These trust forms are authorized or accepted in every state throughout the U.S.,
  and have been used for real property ownership transfer since the beginning of the
  twentieth century. There are no states in which this particulars trust structure is
  not held wholly viable, valid and legal.
• Unlike other inter vivos trusts, the beneficiaries of a land trust are its directors and
  make all decisions evening view of the fact that the trust property’s ownership is
  vested with the trustee. The land trust trustee holds full legal and equitable title
  ownership of the property along with the full Power of Sale as directed by the
  trust’s beneficiaries. Also, note that the nature of such a title-holding vehicle is to
  convert Realty ownership to that of Personalty, even through the IRS will still
  treat all beneficiaries as owners of the Realty for income tax purposes (IRR 92-
  105/The Doctrine of Equitable Conversion (See Black’s Law, 6thED, pp
  332/538).
• Through the use of a bona fide title-holding land trust, ownership interest in real
  estate can be effectively conveyed to a co-beneficiary without the necessity of a
  new mortgage loan, without an unauthorized title transfer, and without a violation
  of a mortgage lender’s “due on sale clause” or alienation admonitions. (FDIRA
  12USC1702j-3)
• By utilizing a simple land trust as a transfer device, one can effectively buttress
  his/her real estate ownership against virtually any threat of lawsuits, judgment creditor claims, IRS tax liens, bankruptcy and legal claims in marital dissolution,
  Probate proceedings, etc. (From an asset protection standpoint, one’s holding any
  real estate in one’s own name is considered by many to be an invitation to lawsuit
  and potential financial devastation).
• The land trust transfer allows one to convey full income tax benefits to a tenant
  co-beneficiary (See IRC 63(h)4(D), along with virtually all of the Bundle of
  Rights in Fee-Simple Real Property Ownership.

Please bear all of the above closely in mind as you peruse the accompanying purchase
offer.

THE OFFER…

Date: 4/2/2002
From: Investor Bob
To: Ms. Angler, Realtor® – Century 21, Four Rivers

As I indicated in my cover letter (attached), I am prepared to acquire the subject
unsold property under the following terms:

• Property to be accepted in As-Is condition without request for repairs, alteration
  or improvements by seller now or in the future. Buyer shall hold seller free and
  harmless from any claim of financial loss relative to discovery of substandard or
  hazardous conditions presently known and disclosed, or later discovered.. • All loans, taxes and insurance relative to the subject property to be current at the
  time of transfer
• Property to free of all title clouds and liens, other than those of record, at time of
  transfer.
• Seller to hold the current mortgage financing in place for a minimum of three to
  four years…although the ideal term would be ten years or more (the seller’s
  choice)
  [Note here that the suggested transfer process, more fully described in the
  accompany cover letter, will not violate a lender’s due on sale clause or constitute
  any transfer to me of the property’s legal or equitable title.]
• Seller to be paid all of its existing equity (if any) in the property at such time as
  the property is re-sold or refinance at the termination of the proposed Agreement.
• During the course of the proposed transaction, the property shall be held in trust,
  in the name of seller, for the benefit of seller, until such time as the Agreement
  has terminated and the property is disposed of or refinanced by buyer.
• Buyer to lease the property from the seller’s trust on a “triple-net lease” basis: i.e.,
  paying for 100% of all costs of ownership, including mortgage payments,
  property taxes and insurance; as well as handling 100% of all management,
  maintenance, repair and day-to-day upkeep for the term of the agreement.
• Buyer to take possession the property at the close of Escrow (30-60) days
• During the term of the subject title-holding trust, buyer shall be named as a cobeneficiary, in order to enable all the benefits of real property ownership to accrue
  to buyer/co-beneficiary without the necessity of title transfer and without undue risk of comprising the due on sale clause relative to the underlying mortgage
  financing.
• Upon disposition of the property the termination, all existing loans will be retired
  by buyer/co-beneficiary, and at that time seller will receive 100% of all of its
  equity existing at the inception of the transaction.
• Seller shall be allowed to refinance its mortgage loan or acquire secondary
  financing at the monthly expense of buyer, prior to, or at any point during, the
  course of the subject agreement: so long as the agreed-upon aggregate monthly
  payments agreed to be made by buyer/co-beneficiary are not increased in the
  process; and so long as such new financing or re-financing would not exceed the
  mutually agreed upon value of the property at the inception of the proposed
  transfer.
• Buyer to cover all costs of closing except for Real Estate commissions, back taxes
  or unpaid insurance or delinquent mortgage payments (suggest commission
  deferment or carry for 1,2 or 3 years if a burden for seller)
• This offer shall become valid and in full effect 30 days from the date shown
  below, during which interim period, the following issues will be confirmed by
  seller for the benefit of buyer:
  1. loan condition and pay-off;
  2. comparative market value,
  3. condition of insurance and property tax payments,
  4. freedom from zoning and building code ordinance violations,
  5. freedom from utility company liens, income tax liens and mechanics liens
• Buyer to execute any Purchase Offer and Contract deemed by agent to be suitable
  for the subject transfer, so long as all terms and conditions proposed here remain
  fully in tact.

Signed: __________________________ Date ______________________

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