Milton's Tips on Creating Your Personal Cash Flow Plan

Here are a few tips for keeping your financial world on track. Check them out so you won't run short before the new money comes in.

* Make a master list of expenses that don't occur monthly. Example: January, pay off Christmas bills; February, two kids' birthdays; March, car insurance; April, income tax; May, property tax; July, vacation; August, fire insurance. Don't let seasonal bills come as an unpleasant surprise.

Add up annual and semi-annual expenses and deposit one-twelfth of the total into a special savings account each month.

* Keep required payments low. If you buy a car, get a simple interest loan for a longer period of time. When cash flow is tight, pay the minimum. When it isn't, pay more or make an extra payment.

* Avoid charging to credit cards for big-ticket items such as furniture. Save something each month toward the purchase and buy for cash.

* Keep your emergency fund intact and with enough money for several months expenses. If it's absolutely necessary to borrow from it, make an agreement with yourself to pay back a certain part of the borrowed money each month.

Blessings to your Real Estate Investing Successes,

Milton B. Yates
www.miltonyates.com

It Doesn't Cost Anything...But it Pays to Say I'm Sorry!!

Here's some good news: Saying you're sorry is a sign of strength, not weakness. Some people think it's the other way around.

A survey by Zogby International asked people why they ordered pearls from The Pearl Outlet (the pearloutlet.com). Often the gift was given as an apology to a wife or girlfriend. The survey discovered one other fact.

People who were more willing to say they're sorry earned more money than those who didn't. It seems that apologizing is a factor in maintaining good relationships

About 90 percent of those who earned $100,000 or more apologize when they believe they are wrong. Only 84 percent of those earning $75,000 to $100,000 did the same. About 52 percent of those earning $25,000 or less would apologize. The survey was reported by Ann Fisher in Fortune magazine.

Even when they felt completely blameless, 25 percent of high earners apologized compared with 13 percent in the lowest income group.

Those who say they're sorry now and then are viewed more positively. Others think they are willing to learn from mistakes and mend relationships.

Another explanation may be that high earners feel more secure and are less likely to go on the defensive when challenged says Marty Nemko, author of Cool Careers for Dummies (2001).

Maybe next time we are reluctant to apologize, we should remember that high earners do it pretty often.

It helps the work run smoothly.

Blessings to Your Real Estate Investment Riches,

Milton B. Yates
www.miltonyates.com

Learn Real Estate Investing in DC, Maryland (MD), and Virginia (VA) The Right Way

It is seemingly very difficult for both newbee and veteran
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Dedicated to Creating Real Estate Investing Millionaires,





Milton B. Yates

P.S. Don't forget to visit www.MiltonYates.com and sign up
for my free newsletter on Real Estate Investing...AND if you
or someone you know is interested in networking with the
#1 Real Estate Investors in DC, Maryland, Virginia, and Dallas
send them to realestate.meetup.com/797. The membership is
absolutely free and the members of the A.S.A.P. Community
DC/MD/VA Real Estate Investing and Training MeetUp are
going to pave the way to success for future investors.