Creating Wealth Real Estate Investing with Jason Hartman (Podcast)

Jason Hartman starts with a discussion about the recent Facebook IPO scandal.  Morgan Stanley and the other IPO underwriters gave the bad news to their big clients about Facebook having a bad quarter but didn't bother to tell their financial advisors and individual clients about this - more bad behavior on Wall Street? 

Short Bloomberg News clip. What would Eliot Spitzer think of Morgan Stanley CEO James Gorman?

Direct download: cw-269-ClientCase.mp3
Category:Podcast -- posted at: 7:31pm EDT

Jason Hartman's monologue on episode #268 covers a range of topics, including:

Some thoughts on 3-D Printing and how it may mean fewer U.S. manufacturing jobs in the near term, Paul and Wohlers say the growing number of factories that likely will relocate to the U.S. should yield a net increase in employment.

The last show on "Abundance - The Future is Better Than You Think" and Jason's desire to have Alvin Toffler and or Heidi Toffler on a future episode - American writer and futurist, known for works discussing the digital revolution, communication revolution, corporate revolution and technological singularity. Works include: Future Shock, The Third Wave, Power Shift, Revolutionary Wealth, Creating a new civilization, War and Anti-War.

Marcus and Millichap survey showing strong rental markets with limited rental housing supply and increasing rents in 39 markets nationwide.

Direct download: cw-268-Indianapolis.mp3
Category:Podcast -- posted at: 11:33am EDT

Despite the grim, doom-and-gloom events occurring in our world today, emerging technologies will make it possible to overcome challenges and bring about significant abundance. Jason Hartman interviews Steven Kotler, co-author of the book, “Abundance,” also co-authored by Peter Diamandis.

Steven talks about the four forces bringing about abundance, explaining how improvements and new developments in communication technology have already brought many people around the globe out of poverty by bringing more and more brilliant minds online. Medical technology advances will make it possible to diagnose illnesses and disease from home, without incurring the costs of physician and lab fees. People may soon be able to pick IBM’s supercomputer Watson’s brain online for free. There have been huge advancements in online education technologies.

Steven and Jason also discuss population control by raising the standard of living through clean water, education, and good healthcare. Steven points out the domino effect of continuously improving technologies that allow for higher standards of living and better health. He also talks about the “network effect,” how it affects people and governments around the world, leading to amazing innovations and changes from surprising sources.

There have been incredible advancements in clean water and food production. The answer to saving biodiversities that cannot be replaced is freeing up land and repurposing it. Vertical gardening is one new process that provides more food in less space, while dropping the transportation costs of farming to zero.Steven Kotler is a bestselling author and an award-winning journalist. His books include the non-fiction works: Abundance, A Small, Furry Prayer, and West of Jesus, and the novel The Angle Quickest for Flight. His articles have appeared in over 60 publications, including: New York Times Magazine, Wired, Discover, Popular Science, Outside, GQ, and National Geographic. He writes “The Playing Field,” a blog about the science of sport and culture for PsychologyToday.com.

Direct download: cw-267-StevenKotler.mp3
Category:Podcast -- posted at: 8:35am EDT

Jason Hartman discusses the two California city bankruptcies that occurred in just one week.  Both Stockton, California and Mammoth Lakes are seeking bankruptcy protection. Jason has been predicting municipal bankruptcies for about six years now noting how big government simple does not work, more to come.

Airbus is investing several hundred million dollars for a new manufacturing plant in Mobile, Alabama in hopes that the Airbus A320 can better compete with the Boeing 737 in the American market - this is good news for income property owners; however, it will take a few years to materialize.

Direct download: cw-266-ClientCall.mp3
Category:Podcast -- posted at: 12:16pm EDT

Jason Hartman hosts an interesting interview with Professor Laurence Kotlikoff, author of The Clash of Generations: Saving Ourselves, Our Kids, Our Economy, regarding the problems with the economy and the effect that the astronomical national debt and government spending will have on generations to come.

Professor Kotlikoff paints a picture of the magnitude of these issues very clearly, explaining that the fiscal gap is $211 trillion. He explains that we would have to raise every federal tax immediately and permanently by 64 percent or cut all non-interest spending by the government (Medicare, Social Security, defense spending, etc) by 40 percent. “The country is broke, totally broke,” says Professor Kotlikoff. He emphasizes that this applies to today, not 75 years down the road.

Jason and Professor Kotlikoff also discuss why the 2007 quadrupled money base through money printing hasn’t hit the streets yet in the form of hyperinflation. Essentially, banks are being bribed to hold money reserves by the Fed.

In simplistic terms, the Federal Reserve prints the money, lends it out at very low interest rates to the banks, and then the banks deposit it back with the Federal Reserve and get a higher interest rate. This makes banks more solvent over time without the public ever knowing what is going on. Professor Kotlikoff also talks about a proposal to fix the financial system, which he refers to as a fragile system, presently a “trust me” banking system where the public is unaware of what the banks are doing with their money.

Direct download: cw-265-LKotlikoff.mp3
Category:Podcast -- posted at: 8:02pm EDT

Jason Hartman talks with one of the Seattle based lenders in his network about nationwide mortgage financing. You'll gain insights from Steve's 25 years in the mortgage business and you will learns some important distinctions between mortgage brokers, mortgage bankers and commercial banks.  

As a mortgage banker with several warehouse lines exceeding eight figures, Steve and Jason bring power to overcome financing challenges.  A good mortgage banker can offer the greatest number of options with the power of direct funding control.

Direct download: cw-264-Steve.mp3
Category:Podcast -- posted at: 9:34pm EDT

Join Jason Hartman as he and land trust specialist, Randy Hughes, talk about why and when land trusts should be used and how to use them effectively. Randy defines land trusts and explains some of the key elements of asset protection.

In the eyes of the IRS, a land trust is a pass-through entity, which is not taxed. Randy discusses the mechanics and some of his favorite reasons for using land trusts for single-family home investments, including anonymity, estate planning, ease of transferability and linking trusts together with other entities. Randy explains that land trusts are regulated state by state, with no federal regulation. He stresses the importance of understanding the different types of trusts, noting the beneficial interest for a land trust is in personal property and obtaining privacy. He also touches on the important psychology behind naming a trust.

Randy’s father charged the weekly groceries so that the family would have food on the table. There was no stable income for any future education much less the current needs of the family. No intellectual or financial direction was taught in his school or church. No blood relative had anything to offer other than "working for the man" at an hourly wage. Bank savings and financial security was what only the rich had. He was doomed for financial failure and unhappiness for the rest of his life. Randy knew that there MUST be a better way to live. Randy decided to break the cycle of poverty in his genes. Education came first. He began buying single family homes for rental while in college.

After he graduated from college, he tried many different types of businesses, but always came back to the Single Family Home as the IDEAL investment. Since purchasing his first rental house in 1969, Randy hasn't looked back! Today, Randy has purchased over 200 houses. He has lived the life of having nothing and will not let that happen again.

His primary goal now is to teach others how to break the cycle of financial mediocrity. He has written a Privacy and Asset Protection book, 6 booklets, a bi-monthly Land Trust newsletter and 6 "HOW TO" real estate courses to help new and seasoned investors to be successful at investing in Single Family Houses for profit.

Randy’s newest home study course on Privacy and Asset Protection teaches students how to be more private in their personal lives and to protect their investments from the most dangerous terrorist of the 21st century--the contingency fee lawyer.

Direct download: cw-263-LandTrusts.mp3
Category:Podcast -- posted at: 9:44pm EDT

Countries around the globe are teetering on the brink of bankruptcy, with our own country no exception. Jason Hartman interviews Dr. Kirk Elliot, Ph.D., investment adviser with ICA, on monetary and fiscal policy and the irresponsibility of governments around the world.

Using Greece as an example, Dr. Elliott states that when governments run out of money, they start doing crazy things. The one fundamental issue in Greece is public debt, over which they lost their autonomy and are now under the rules of the EU. Italy, Iceland, Portugal, France and others are on the verge of bankruptcy and due to that, the EU has been unable to bail out Greece.

Across the pond in the U.S., we have lost our credit rating and are losing the reserve currency status with a lack of interest in our Treasury bills and notes. The definition of inflation is an increase in the money supply, and price increases are a symptom of inflation. As more money is printed, it loses value and nobody wants it, which is sending the U.S. down the same tube as other countries in economic crisis.

People around the world have lost faith in the U.S. dollar and the country’s ability to repay its debt. Dr. Elliott says when interest rates go up, it will open a whole new can of worms with the bond market, which will come crashing down hard on retirees and insurance companies. But it’s not all doom and gloom. There are counter-cyclical investment strategies that people should take advantage of that are attached to physical assets, such as precious metals and real estate investments (commodities with universal need.)

Kirk Elliott has been an investment adviser with ICA in Durango, Colorado since January of 2002 and has been working in the financial services industry since 1994. Dr. Elliott is passionate about educating and equipping his clients with the information they need to safeguard their hard-earned assets. Dr. Elliott earned his Ph.D. in Public Policy and Administration from Walden University. His dissertation is entitled, “An Empirical Identification of an Appropriate Inflation Definition and an Inflation Targeting Monetary Policy.” Dr. Elliott also earned a Master of Arts in International Studies from the University of Denver, and a B.S. in Business Administration from the University of Colorado.

Direct download: cw-262-KirkElliot2.mp3
Category:Podcast -- posted at: 9:51am EDT

Countries around the globe are teetering on the brink of bankruptcy, with our own country no exception. Jason Hartman interviews Dr. Kirk Elliot, Ph.D., investment adviser with ICA, on monetary and fiscal policy and the irresponsibility of governments around the world.

Using Greece as an example, Dr. Elliott states that when governments run out of money, they start doing crazy things. The one fundamental issue in Greece is public debt, over which they lost their autonomy and are now under the rules of the EU. Italy, Iceland, Portugal, France and others are on the verge of bankruptcy and due to that, the EU has been unable to bail out Greece.

Across the pond in the U.S., we have lost our credit rating and are losing the reserve currency status with a lack of interest in our Treasury bills and notes. The definition of inflation is an increase in the money supply, and price increases are a symptom of inflation.

As more money is printed, it loses value and nobody wants it, which is sending the U.S. down the same tube as other countries in economic crisis. People around the world have lost faith in the U.S. dollar and the country’s ability to repay its debt. Dr. Elliott says when interest rates go up, it will open a whole new can of worms with the bond market, which will come crashing down hard on retirees and insurance companies. But it’s not all doom and gloom. There are counter-cyclical investment strategies that people should take advantage of that are attached to physical assets, such as precious metals and real estate investments (commodities with universal need.)

Kirk Elliott has been an investment adviser with ICA in Durango, Colorado since January of 2002 and has been working in the financial services industry since 1994. Dr. Elliott is passionate about educating and equipping his clients with the information they need to safeguard their hard-earned assets. Dr. Elliott earned his Ph.D. in Public Policy and Administration from Walden University.

His dissertation is entitled, “An Empirical Identification of an Appropriate Inflation Definition and an Inflation Targeting Monetary Policy.” Dr. Elliott also earned a Master of Arts in International Studies from the University of Denver, and a B.S. in Business Administration from the University of Colorado. Dr. Elliott has served as adjunct faculty for Fort Lewis College, Liberty University and Walden University in the areas of Economics, Public Policy, and International Business.

Direct download: cw-261-KirkElliot1.mp3
Category:Podcast -- posted at: 9:18am EDT

Jason Hartman interviews research scientist, Heidi Grant Halvorson regarding the science behind human motivation and success. There are many successful people in the world who are highly motivated and have concise goals, but how many actually understand why they’re successful or why they fail? The common belief is that certain people are just genetically wired to succeed or fail.

Heidi states this is not entirely the case and shares the findings of scientific research on achievement. She talks about strategies that people use, principles that people can count on and apply to their own life, and states that our own intuition about what helps us succeed or causes us to fail can often be incorrect. It's not about ability or IQ.

Heidi explains the psychological factors behind how people react to challenges, the beliefs and mindsets that people have as they try to reach a goal. Defining success is personal, dependent on an individual’s sense of well-being, lasting happiness and autonomy. She says it's important to be specific about goals, to break them down into manageable, specific pieces that are planned out with when and where, and taking the time to define success for ourselves.

Jason and Heidi also discuss the relationship between money and happiness, expressing that there is a money point where it does make it easier to make choices and pursue the things individuals find interesting in life, plus containing a sense of accomplishment and opening the door to help others. Unhappiness comes about when a person makes and uses their money for the wrong reasons, lacking sensibility, leading to dissatisfaction. Heidi emphasizes motivation and realistic goals are important. Jason shares his own opinion on wealth, noting that, on the one hand, having more “things” can actually become a burden, but it does allow a person to help others and create experiences and memories. Heidi states that what people do with their wealth is the important factor for fulfillment and happiness.

Direct download: cw-260-HeidiHalverson.mp3
Category:Podcast -- posted at: 7:06am EDT

Jason Hartman and returning guest, Dan Amerman discuss federal policies and interest rates, which hurts the savers and fixed income folks. The artificially low interest rates are not working and create higher prices through inflation.

They also discuss inflation rates, in which the federal numbers are glossed over and do not match true inflation as experienced by the American citizens through food, fuel, and utilities. Manufacturers hide inflation by making products smaller.

Jason and Dan then talk about rental housing and how to arbitrage the inflation. Dan explains how to turn the fed policies around to our advantage. It starts with understanding cash flow investing and setting your safety margin. When looking at cash flows, rather than being all about the price, it’s more about the interest rate when it comes to a mortgage. In the process of creating non-free-market interest rates for banks and for the federal government, the federal government has accidentally made available subsidized mortgage rates that are available if you can get the lending.

It goes directly to your bottom line as the investor, resulting in much higher cash flows than you would see in a free market.

Direct download: cw-259-DanAmerman.mp3
Category:Podcast -- posted at: 8:29am EDT

We are all confused about economic indicators and it’s critical that we understand the real figures, the direction of the economy, interest rates and their consequences, and much more. On this episode, Jason Hartman interviews Bernie Baumohl, author of Secrets of Economic Indicators, in regard to the numerous economic indicators and what is most useful. Bernie explains what a “business cycle” is and what happens during the cycle, how it comes full circle over time.

Bernie gives examples of stress points in the business cycle. People make mistakes, such as buying more inventory than they need or the economy can’t handle the demand of the people. More recently, we have seen longer periods of economic growth, but at a closer look, the mistakes that caused the worst economic crisis since the Great Depression are apparent. It was a “cauldron of fraud and wrecklessness,” says Bernie. Jason and Bernie touch on the subject of the Federal Reserve and the Gold Standard, citing what has been happening in Greece as an example of the limitations of a currency that is fixed and unmovable. Bernie feels that a country in economic trouble needs to have the flexibility to lower interest rates. They also discuss market sensitivity, the index, and the source of the leading market indicators.

Direct download: cw-258-BernieBaumohl.mp3
Category:Podcast -- posted at: 5:22pm EDT

Jason Hartman is joined on this episode by Greg Farrell, author of Crash of the Titans: Greed, Hubris, The Fall of Merrill Lynch, and the Near Collapse of Bank of America, for a discussion of the economic crash and the resulting bailouts, as well as some of the inside dealings with some of the major banks, such as the buyouts by Bank of America.

Greg explains how these banks that participated in the buyouts grossly underestimated the depth of problems in their own banks and in those they acquired. Greg relates his research on Merrill Lynch’s attempt in the 1980s to become more like Goldman Sachs and other Wall Street banks, which was to their detriment because they lacked the expertise for such business practices, and became involved in and in the middle of many of the scandals of the late ‘80s and early ‘90s. Like CitiGroup, they were in over their head.

Jason and Greg discuss Wall Street in general and then specific financial groups regarding the recklessness and risky businesses, funds, etc, that they entertained to give the impression of higher rates of returns. As the plot unfolded, large bonuses to CEOs and high-producing brokers came into play, which encouraged an all or nothing attitude toward the company and fostered a “me” attitude versus long-term stability of the company. Greg also talks about what he calls the “Charlotte Mafia,” the clash of company cultures.

Greg Farrell is a correspondent for the Financial Times. In January 2009, he broke the news that Merrill Lynch had paid out its 2008 bonuses a month ahead of schedule, in December, even though Merrill was in the process of losing $28 billion for the year, and Bank of America needed an extra $20 billion in taxpayer funds to complete its acquisition of the firm. That story sparked an investigation by New York attorney general Andrew Cuomo.

Direct download: cw-257-GregFarrell.mp3
Category:Podcast -- posted at: 10:33am EDT

Jason Hartman interviews returning guest, Bryan Calderon, Director of Business Development with Accuplan Benefits Services, for a timely discussion on breaking out of 401k jail and putting your retirement money to better use. Bryan explains the differences between the various retirement plans, such as IRAs and 401ks, and though a 401k is a great way to save money, there are some pitfalls as well. Some of those traps have been scams, employers stealing funds from employees and the concerns over business failures. Jason reminds listeners of why it’s so important to be in control of your money.

Bryan says there are less than 2 percent of plans that are self-directed. That’s a scary figure with all of the current economic uncertainty. Bryan talks about how people are concerned enough about the funds in their retirement plans that some still employed ask for early termination in order to get control of their money by putting it into a self-directed IRA or solo 401K. One of the best methods of control is investing in prudent real estate. Jason includes a recorded audio explanation of the manipulation by fund managers and how to break free from the 401k jail by becoming a real estate investor.

Bryan shares options for getting out of their current plans, and he also explains how a solo 401k works for the self-employed. Unlike a sponsored plan, a solo 401k or self-directed IRA can be directed into real estate, promissory notes, trustees, etc. Bryan says that there is about $20 trillion in retirement plans across the nation, with only $4 trillion of it self-directed, and the Social Security sector funds are about $5 trillion. Bryan wraps up with some valuable advice on getting your funds freed up.

Direct download: cw-256-Entrust.mp3
Category:Podcast -- posted at: 5:10pm EDT

Jason Hartman discusses the return of construction jobs, new home development, the Indianapolis rental housing market, Wall Street/hedge funds getting into the landlord business, how investment and vacation home sales surged last year (National Association of Realtors NAR survey and Lawrence Yun commentary), developers selling homes in La Costa, California and a Memphis, Tennessee market profile.

Is it a sign of a turnaround when the nations top homebuilders increase advertising and production? Keep an eye out for big names like - Pulte Homes (PHM), Centex (CTX), Kaufman and Broad (KB Homes) (KB), Ryland Group (RYL), Del Webb (DEL), Lennar (LEN), Richmond American Homes, Beazer Homes (BZH, BZU), Hovnanian (NasdaqGM HOVNP), Toll Brothers (NYSE - TOL), Shea Homes, D.R. Horton (DHI) and the others as the ramp up their marketing and production.  

When construction comes back, that is a very good sign that you, our client, is making excellent investment choices when buying below the cost of construction. Jason's key phrase/metric is "Regression to Replacement Cost(TM)" http://www.jasonhartman.com/2011-trend-predictions-in-real-estate/ and it will serve you well in these changing times.

Some market profile information from Wikipedia: Memphis is a city in the southwestern corner of the U.S. state of Tennessee, and the county seat of Shelby County. The city is located on the 4th Chickasaw Bluff, south of the confluence of the Wolf and Mississippi rivers.

Memphis had a population of 662,897 at the 2010 census, making it the largest city in the state of Tennessee, the third largest in the Southeastern United States, and the 20th largest in the United States. The greater Memphis metropolitan area, including adjacent counties in Mississippi and Arkansas, had a 2010 population of 1,316,100. This makes Memphis the second largest metropolitan area in Tennessee, surpassed only by metropolitan Nashville, which has overtaken Memphis in recent years.

Memphis is the youngest of Tennessee's major cities. A resident of Memphis is referred to as a Memphian, and the Memphis region is known, particularly to media outlets, as the "Mid-South".

Direct download: cw-255-Memphis.mp3
Category:Podcast -- posted at: 1:20pm EDT

Jason Hartman interviews returning guest and founder and CEO, Harry Dent, Jr., of HS Dent, an economic think tank and research company, about the next coming crash. Mr. Dent accurately predicted the boom of the 1990s, which was contrary to what many other forecasters predicted. He explains why America is on a path to the next Great Depression through its mounting debt to boost the economy.

He talks about how the U.S. creates bubble after bubble in all areas, such as the housing bubble, the gold and silver bubble, the commodity bubble, etc. Trillions of dollars in stimulus money has poured forth from the government, along with the lowering of interest rates, thereby inciting inflation that will continue to grow with the current system of bailouts and lack of lending. He also discusses the peaks and deflation of spending with the switch between the Baby Boomer and current generations, and how this will affect America's economic future.

Mr. Dent also paints the dark picture of China’s future, where they are overbuilding just to keep their workers employed, which will become a worldwide crisis when their building bubble bursts. Jason and Mr. Dent talk about the condition of other countries and how everything interplays to lead to the next crash that Mr. Dent forecasts. He suggests some strategies for investors and what people might expect.

Using exciting new research developed from years of hands-on business experience, Harry S. Dent, Jr. offers a refreshingly positive and understandable view of the economic future. As a bestselling author on economics, Mr. Dent is the developer of The Dent Method - an economic forecasting approach based on changes in demographic trends.

In all of his past books since 1989, Dent saw an end to the Baby Boom spending cycle around the end of this decade. In his book, The Great Depression Ahead, (Free Press, 2009), Harry Dent outlined how this next great downturn is likely to unfold in three stages, with an interim boom stage between 2012 and 2017 before the long-term slowdown finally turns into the next global boom in the early 2020s. He continued to educate audiences about his predictions for the next and possibly last great bull market, from late 2005 into early to mid 2010.

Direct download: cw-254-HarryDent.mp3
Category:Podcast -- posted at: 4:05pm EDT

Join Jason Hartman and Investor Watchdog, Jack Waymire, for a discussion concerning the ethics of the financial services industry. According to Jack, the frequent lack of integrity undermines the achievement of investors’ financial goals.

Companies do not do what is best for you. They are very good at hiding information that they do not want their investors to know. Investor Watchdog investigates these companies and products, acting as a go-between for investors and advisers, answering frequently asked questions, such as, “How do I know I’m getting the right financial advice?” Jack shares examples of deceptive practices by various companies and how the executives that run the companies, i.e. Goldman Sachs, are insulated from accountability simply by paying fines rather than serving jail time for unethical and illegal practices.  

Jason and Jack touch on the subject of the Madoff Ponzi Scheme, where Jack talks about some of the evidence that was found, as a glaring example of unethical sales pitches and conman tactics. Jack also informs listeners of what deceptive sales practices to watch out for when dealing with financial advisers.

Direct download: cw-253-JackWaymire.mp3
Category:Podcast -- posted at: 7:02pm EDT

Despite popular belief, China is no longer a cheap place to do business with labor costs and real estate costs soaring. Join Jason Hartman as he interviews Shaun Rein, author of The End of Cheap China and Managing Director of China Market Research Group in Shanghai, about debunking common myths, such as China is stealing U.S. jobs.

Many companies have begun doing business in China, due to what Shaun refers to as “capitalism on steroids.” Labor costs have increased in China to the tune of around 20 percent, and the government is trying to increase wages yearly over the next five years. Another factor affecting manufacturing costs over time is that fewer of the younger generation wants to be employed in manufacturing jobs, wanting to realize their white class dreams. China is also pushing middle class development to offset the manufacturing issue.

Shaun Rein is the Managing Director of CMR, the world's leading strategic market intelligence firm. He is one of the world's recognized thought leaders on strategy consulting.

Direct download: cw-252-ShaunRein.mp3
Category:Podcast -- posted at: 9:06am EDT

Join Jason Hartman and consulting economist, John Williams, for a discussion about how government statistics don’t paint the whole picture of economic conditions. Many years ago, John realized that GNP (now GDP) numbers were faulty, causing his clients’ sales forecasting models to no longer work.

This eventually led John into lengthy research of the history and nature of the government’s economic reporting. John explains how the numbers reported by the government hide important information; for example, true unemployment rates, which fail to include the unemployed no longer receiving unemployment benefits and those who are underemployed. Inflation statistics are misrepresented, which affects GDP.

Following changes in CPI methodology, the Consumer Price Index understates inflation significantly. John points out that cost of living increases were based on inflation data, but with the numbers so skewed, the increases are no longer representative of the actual costs. He provides a history of how these changes came about and how it has affected commerce, social security and payroll. John feels roughly seven percentage points should be added to real inflation rates in our current economy.

Direct download: cw-251-JohnWilliams.mp3
Category:Podcast -- posted at: 11:08am EDT

Join Jason Hartman and co-founder and director of Neuro Leadership Institute, Dr. David Rock, as they explore conceptual issues of the brain as it pertains to work, such as focus, managing distractions, why our brains feel taxed, and how to maximize mental resources.

Dr. Rock explains how being able to get a mental picture makes it easier to process and hold information, but when you can’t come up with a mental picture, you’re more likely to lose your train of thought or have more difficulty retaining connections, causing the brain more stress.  Dr. Rock also discusses optimal times for scheduling work, meetings, and undisturbed workspace.  He stresses that creative work needs a lot of space in the brain, as well as a lot of quiet. “Creative work first, urgent/important second, and everything else after,” says Dr. Rock.

Dr. Rock also shares the many types of quirks of the brain, such as a blue room with high ceilings increases creativity, or changing rooms actually makes it difficult to access memories formed in the previous room. His suggestion is that people need to create their own workspace.  Additionally, he talks about the unconscious and conscious brain and how breakthrough moments tend to happen when trying to solve a difficult problem.  The quiet brain is most important for solving problems. Dr. Rock delves into the five domains that the brain is always tracking. It is very important that we don’t get a “threat” response in any of these domains because they activate the brain’s pain network, leading to defensiveness.

Direct download: cw-250-DavidRock.mp3
Category:Podcast -- posted at: 8:53am EDT

Many demographic changes are taking place, with the Baby Boomers, a large generation, retiring, and Generation Y, a larger generation than the Baby Boomers, consuming at record levels.  Join Jason Hartman and demographer, Ken Gronbach, as they discuss this upcoming “storm.” 

Ken describes Generation Y as an exciting generation, where the United States is the only country with this large of a group at the present time, and that it is very important that businesses recognize and anticipate their markets as Generation Y grows up. Generation X is more of a mystery generation because of its smaller size, which makes it less of a valuable market.  Ken believes that the United States’ best days are ahead as people bail out of the European Union. He also believes that China’s economic future is bleak due to artificial tampering with the population, with demographic numbers showing China in trouble economically within ten years, struggling to feed themselves within 15 years.

Ken shows how the housing market is being held hostage by big bank foreclosures and why this log jam will soon correct and precipitate a restoration of the United States economy. Ken also talks about how manufacturing will return to the United States with a vengeance because the United States is the only industrialized nation with a huge young highly skilled workforce.

Direct download: cw-249-KenGronbach.mp3
Category:Podcast -- posted at: 12:40pm EDT

Join Jason Hartman as he opens with some thoughts on buying far below construction or replacement costs sharing an email from Allstate Insurance, then a discussion of an Orange County Register article citing Marcus & Millichap's 2012 National Apartment Report. You'll hear Michael LeBeouf, author of the NY Times best-selling book, "The Greatest Management Principle in the World", where he discusses human behavior and how "What Gets Rewarded, Gets Repeated." In the news: Underwater borrowers eligible for settlement write-downs.

A calculation by a Brookings Institution economist narrowed down a pool of underwater homeowners to 500,000 who could qualify for principal reduction from the $25 billion mortgage settlement. Using the parameters of the settlement, Ted Gayer found just 5% of the nation's 11.1 million underwater borrowers could get the principal reduced on their mortgage, first reported by The Washington Post.

About $10 billion of the settlement, in the form of credits, will go toward principal write-downs made by the five banks. Only homeowners delinquent on their mortgages are eligible. Gayer eliminated others according to underlying requirements, including Fannie Mae or Freddie Mac loans and homes not owner-occupied. It's a rough calculation, Gayer warned, and he made some assumptions in the process. He eliminated any loans not held on the banks' balance sheets, as well as any with a second loan. Mortgage bondholders may not take kindly to principal write-downs, he said.

Direct download: cw-248-David.mp3
Category:Podcast -- posted at: 1:27pm EDT

Whether you’re trying to get a raise at your job, solve a relationship problem, or deal with a stubborn child, negotiating is a daily part of our lives, and every human interaction is affected by emotion and logic or rationalization. Jason Hartman interviews Stuart Diamond, the author of "Getting More: How to Negotiate to Achieve Your Goals in the Real World" on improving negotiating skills and interactions with others in order to “get more.” Stuart stresses the importance of making the human connection and finding the pictures in people’s heads, knowing them better in order to better meet their needs, which gives a person a more competitive edge and adds tremendous wealth to any deal.  

Emotions play a huge part in all interactions. “Emotions destroy negotiations because they distract people from their goals,” says Stuart. When people get emotional, they stop listening, and it becomes a priority to find out a person’s emotional temperature before proceeding on any deal. Stuart talks about key points in how people should treat one another, stating how people today have a lack of trust in one another and have a tendency to demonize one another rather than using simple solutions to solve conflicts. “Fighting is the last choice; not the first choice,” explains Stuart.

Stuart Diamond has taught and advised on negotiation and cultural diversity to corporate and government leaders in more than 40 countries, including in Eastern Europe, former Soviet Republics, China, Latin America, the Middle East, Canada, South Africa and the United States. He holds an M.B.A. with honors from Wharton Business School, ranked #1 globally by The Financial Times where he is currently a professor from practice. For more than 90% of the semesters over the past 15 years his negotiation course has been the most popular in the school based on the course auction, and he has won multiple teaching awards. He has taught negotiation at Harvard Law School, from which he holds a law degree and is a former Associate Director of the Harvard Negotiation Project. He has directed a negotiation consulting firm in Cambridge, MA.

Direct download: cw-247-StuartDiamond.mp3
Category:Podcast -- posted at: 6:15pm EDT

Broadcasting from Washington DC, Jason Hartman interviews financial planner, Randy Luebke on an amazing client case study of how Jason and Randy helped a client turn one property into a sizable, diversified, high cash-flow income property portfolio that will create a lasting legacy for generations to come. You'll learn more about the 1031 tax-deferred exchange strategy and much more.

Prior to the case study, Jason addresses various current events including; the gold house price ratio, why you should not be investing in foreign markets like Costa Rica, Nicaragua, Belize, Panama, etc., median priced housing at the highest affordability since 1971, the year Richard Nixon took us off the gold standard completely creating fiat money devaluation and massive price inflation and several other issues.

Direct download: cw-246-RandyL.mp3
Category:Podcast -- posted at: 10:32am EDT

Jason Hartman interviews author, Amity Shlaes, about her book, “The Forgotten Man: A New History of the Great Depression.” Franklin D. Roosevelt spoke of the forgotten man as the man at the bottom of the economic pyramid, the poor man, the homeless man. Miss Shlaes explains that there is another forgotten man, the taxpayer, based on an algebraic description by William Graham Sumner.

Jason and Miss Shlaes explore the concept that the Great Depression was man-made, that the Federal government suppressed the economy and the markets, which slowed recovery. A zombie-like economy has ensued in America, very similar to what happened with Japan’s economic downfall, which is still recovering two decades later. Miss Shlaes also shares how the collective or community aspect, particularly farms, encouraged and funded by the government, did not work because of bad stewardship – nobody cared about anything because nobody owned anything.

In order for people to care and succeed, they must be allowed to own property, own businesses, and own their homes. Amity Shlaes and Jason move on to discuss “The Greedy Hand,” as it refers to taxation. As Miss Shlaes researched the history of The Greedy Hand, she found that Americans initially resisted tax withholding, that it was not just accepted.

Over time, taxation has become extremely complex, and the best solution would be to simplify it again. Miss Shlaes also shares her predictions on inflation for 2012. She encourages people to read, to educate themselves and their children. Amity Shlaes is a syndicated columnist for Bloomberg and a senior fellow at the Council on Foreign Relations. In addition to writing on political economy, she writes on taxes. She is a contributor to Marketplace, the public radio show.

She has appeared on numerous radio and television shows over the years. Miss Shlaes was formerly a columnist for the Financial Times and, before that a member of the editorial board of the Wall Street Journal, specializing in economics. In the early 1990s she served as the Journal's features, or "op ed" editor. Prior to that, she followed the collapse of communism for the Wall Street Journal/Europe. Over the years she has published in the National Review, the New Republic, Foreign Affairs (on the German economy), the American Spectator, the Suddeutsche Zeitung and Die Zeit. In 2002, she contributed an article on the US tax code to the thirtieth anniversary anthology of Tax Notes, the scholarly journal.

Miss Shlaes has twice been a finalist for the Loeb Prize in commentary, her field's best known prize. In 2002, she was co-winner of the Frederic Bastiat Prize, an international prize for writing on political economy. In 2003, she spent several months at the American Academy in Berlin as the JP Morgan Fellow for finance and economy.

Direct download: cw-245-AmityShlaes.mp3
Category:Podcast -- posted at: 11:00am EDT

Join Jason Hartman and client, Patrick, for a timely discussion about the benefits of real estate investing. Patrick shares his experiences working with Jason Hartman and Platinum Properties Investor Network’s investment counselors.

Patrick tells younger people, “If you can have ten houses by the time you’re 30, you’ll be set when you’re 60.” Staying power – a buy-and-hold philosophy – is the key to successful real estate investing. Patrick and Jason talk about the importance of having all of the facts about local markets before purchasing a property so that the property makes sense the day you buy it.

Due diligence includes such factors as property taxes, employment, location to schools and shopping centers, crime rate, and in- and out-migration from an area, just to name a few. Patrick talks about the downside of speculating on properties, using his own experience with a rental home in California as an example, and encourages due diligence and diversification. The current economy is producing a larger number of tenants as more and more homeowners are forced out of their homes through foreclosures. This is creating a larger market for rental property, but not all markets are viable.

Jason and Patrick also discuss the importance of going where the customers are going to have the easiest time and a good experience, rather than being loyal to a market that is no longer providing a good return. Jason is a firm believer that the investment has to work in real life, not just on paper. In the latter portion of the show, Patrick discusses the pros and cons of a college education and how true learning takes place in the real world.

Direct download: cw-244-Pat.mp3
Category:Podcast -- posted at: 11:42am EDT

Jason Hartman interviews author, former Wall Street senior banker, and best-selling investigative journalist, William (Bill) D. Cohan on the events that led up to the current economic crisis. Bill explains the choices that the big firms, such as Goldman Sachs, JP Morgan, etc, made regarding what type of institution they were going to be, the path of these firms that led up to the current crisis, and how they used the bailout money gifted to them. He said it was one big party on Wall Street, during which brokers were to bring in revenue using a lot of whacky products, until everything came crashing down. Huge bonuses were paid out from the revenue collected from unsuspecting clients.

Bill and Jason also discuss the Occupy Wall Street Movement. Bill expressed disappointment in the message of the movement, saying it isn’t clear and they need to learn how Wall Street really works so that they can be more effective in bringing about reform. Wall Street has been influencing what goes on in Washington and paying lobbyists and donating to congressional coffers so that they can get the regulations, or lack thereof, that they want, i.e. the Dodd-Frank Wall Street Reform and Consumer Protection Act. Bill talks about how the expansion of Wall Street into Middle Class America was not an accident, using the example of Merrill Lynch being a public company. This ultimately led to broken trust between Wall Street and Main Street, as people have now shied away from risk taking.

To solve the problems, Bill suggests changing the incentive system on Wall Street, in that it can no longer be okay to take huge risks with people’s money or get paid big bonuses whether they lose money for the firms or not, as well as going back to having to use their partner’s capital to operate. William D. Cohan offers audiences a unique, close-up perspective of the greatest financial crisis since the Great Depression. He combines deep knowledge of the investment banking world with the fine storytelling skills of an award-winning investigative journalist.

Bill’s new book is titled Money and Power: How Goldman Sachs Came To Rule The World, a revelatory history of Goldman Sachs. His previous book, House of Cards: A Tale of Hubris and Wretched Excess on Wall Street, lays out in gory detail how the financial crisis began with the collapses of Bear Stearns and Lehman Brothers. The Last Tycoons: The Secret History of Lazard Frères & Co. won the 2007 Financial Times/Goldman Sachs Business Book of the Year Award for its candid revelations about how Wall Street works.

Direct download: cw-243-WilliamCohan.mp3
Category:Podcast -- posted at: 10:17am EDT

Join Jason Hartman and returning guest, Ellen Brown, author of Web of Debt, for a discussion of the United States’ debt ceiling, QE2, inflation, as well as a brief explanation of how money came to equal debt. Ellen explains why the debt ceiling is unconstitutional, how the government is legally committed to paying its debts. She points out the contradiction that has been for more than 100 years, since WWI. The easing put into place at that time was only to be a temporary measure.

Ellen also talks about shadow banking causing the crisis by money being lent into existence, slight of hand. The only real money are coins, which are one-tenth of the total money in circulation. Ellen also discusses QE2 , where the government agreed to pay the interest on borrowed money in order to maintain control of the Federal Funds rate. She said there are a lot of reserve funds on the books in certain foreign banks, including bond dealers, that is just being held.  Ellen also touches on the national debt, Glass-Steagall, and proposes state-owned banks as part of the solution, with the basic idea that we take care of our own, much the same way that Japan is reliant on their own Central Bank.

Ellen Brown developed her research skills as an attorney practicing civil litigation in Los Angeles. In Web of Debt, her latest book, she turns those skills to an analysis of the Federal Reserve and "the money trust." She shows how this private cartel has usurped the power to create money from the people themselves, and how we the people can get it back. Brown developed an interest in the developing world and its problems while living abroad for eleven years in Kenya, Honduras, Guatemala and Nicaragua. She returned to practicing law when she was asked to join the legal team of a popular Tijuana healer with an innovative cancer therapy, who was targeted by the chemotherapy industry in the 1990s.

That experience produced her book Forbidden Medicine, which traces the suppression of natural health treatments to the same corrupting influences that have captured the money system. Brown's eleven books include the bestselling Nature's Pharmacy, co-authored with Dr. Lynne Walker, which has sold 285,000 copies.

Direct download: cw-242-EllenBrown.mp3
Category:Podcast -- posted at: 9:21am EDT

Jason Hartman starts this episode with a discussion of incredible financing for foreign investors looking to buy American real estate, self-directed IRA investors and those who have exceeded the 10 property/10 mortgage Fannie Mae/Freddie Mac loan limits or have lower FICO scores.  

Here are some notes on the program with details explained in the show audio: 30% down, 70% LTV, fully amortized over 15 or 20 years with adjustable rates starting at only 5.5% or 5.75% and 2% adjustment caps every three or five years at one point or $1,000 loan fee. The index is Wall Street Journal (WSJ) prime rate + a 1% margin. Only available in Dallas Fort Worth market area.

We’re putting enough real estate and business brainpower in one room to make Donald Trump flinch. Enjoy this content-rich sampler of "Meet The Masters" our twice annual powerhouse educational event that can revolutionize how you think about money and wealth.

Listen in and it can make all the difference if you simply have the courage to take action on your dream. The reality is you can fire your boss and live life on your own terms sooner than you think.<strong> Wall Street Investing Does NOT Lead to Financial Freedom.

Direct download: cw-241-DallasFinancing.mp3
Category:Podcast -- posted at: 5:43pm EDT

Join Jason Hartman and relationship expert, Gay Hendricks as they discuss relationships in the 21st Century, both personal and business. Gay says that in order to be a successful business person, you have to be a student of relationships, and for those who consult or do therapy or teach, you really need to be open to business.

As Gay teaches, you can never separate personal growth from business growth from financial growth. They are entwined. It starts with making a formal commitment to bringing the ideal relationships into your life. Gay also talks about his work with entrepreneurs, from getting focused on what you love to do and putting creative exhilaration in first place, from which you will figure out how to make what you do produce revenue. In addition, Jason and Gay discuss the definition of integrity, as well as the steps to becoming a person of integrity.

Gay Hendricks, Ph.D., has served for more than 35 years as one of the major contributors to the fields of relationship transformation and body-mind therapies. Along with his wife, Dr. Kathlyn Hendricks, Gay is the co-author of many bestsellers, including Conscious Loving and Five Wishes. He is the author of 33 books, including The Corporate Mystic, Conscious Living and The Big Leap. Dr. Hendricks received his Ph.D. in counseling psychology from Stanford in 1974.

After a twenty-one-year career as a professor of Counseling Psychology at University Colorado, he and Kathlyn founded The Hendricks Institute, which is based in Ojai, California and offers seminars worldwide. He is President of The Hendricks Institute. In recent years, he has also been active in creating new forms of conscious entertainment. In 2003, along with movie producer Stephen Simon, Dr. Hendricks founded The Spiritual Cinema Circle, which distributes inspirational movies to subscribers in 70+ countries around the world, www.SpiritualCinemaCircle.com. He has appeared on more than 500 radio and television shows, including OPRAH, CNN, CNBC, 48 HOURS and others.

Direct download: cw-240-GayHenricks.mp3
Category:Podcast -- posted at: 9:27am EDT

Jason Hartman invites prior guest Joel Grasmeyer  back on the show to talk about updates to one of the greatest software tools for property investors, Property Tracker.

Direct download: cw-239-PropertyTracker.mp3
Category:Podcast -- posted at: 9:05am EDT

With an insurmountable national debt and a disastrous worldwide economy, could the United States still come out top dog? Join Jason Hartman and returning guest, Daniel Ameduri, inflation expert and Chief Strategist of FutureMoneyTrends.com, as they examine the possibilities and talk about Daniel’s predictions for the new year.

Daniel explains the difference between price inflation, which, though we have inflation, we aren’t seeing it in everything yet, and hyperinflation, which is a total loss of faith in currency. He talks about how if we have deflationary shock, it won’t matter what the Federal Reserve does.

People around the world will lose faith in America and the dollar will become worthless, and feels there will be some type of quantitative easing. Daniel notes that, in his opinion, the $20 trillion mark in our national debt will be the psychological level at which people stop buying our debt. Jason and Daniel also talk about resource wars as resources are becoming scarce. According to real data, oil has peaked, silver has peaked, as well as many other natural resources.

Direct download: cw-238-DanielAmeduri.mp3
Category:Podcast -- posted at: 7:57am EDT

Join Jason Hartman as he interviews author and financial journalist Roger Lowenstein regarding the history of Wall Street’s demise. Roger talks about the increases in choice, risk, hedging, more volatility, and how free markets are open to speculation, greed, fear and manipulation. There are more markets today susceptible to booms and busts. In the old days, local bankers determined loan eligibility. Today, bankers internationally, who don’t know anything about their clientele, determine eligibility, often to the detriment of the borrowers.

Roger and Jason debate whether Wall Street needs more regulation or deregulation, and discuss the consequences of government interference. They also talk about many of the Wall Street mistakes and the corporations that were rescued by the bailouts and the unprecedented number of failed mortgages.  They end their discussion with observations of the Occupy Wall Street movement.

Direct download: cw-237-RogerLowenstein.mp3
Category:Podcast -- posted at: 6:47am EDT

Join Jason Hartman and MC Company Principal and Co-Partner, as well as the Real Estate Advisor of Robert Kiyosaki, Ken McElroy, in this insightful discussion about real estate investing, inflation, and the effect of today’s economy on the rental markets. Both Ken and Jason learned the power of leverage to hedge against inflation, and in this episode, they share their combined knowledge with the listeners. Ken feels that investing in real estate and watching the dollar, mortgage rates, and inflation are lifelong endeavors and it’s important to stay on top of those things. He also shares why he prefers apartments over residential investments, expressing it allows greater control over the financial outcome of the asset.

Ken talks about the pent up demand of Gen Y’ers, who currently are forced to live at home due to scarcity of jobs, but who will eventually flow into the rental market if and when jobs are created and the economy begins to improve. Jason and Ken also share their similar knowledge regarding macro- and micro-markets, the importance of researching job markets, employment rates, population, schools, etc. “At the end of the day, it’s all about demographics,” Ken says.

Direct download: cw-236-KenMcElroy.mp3
Category:Podcast -- posted at: 1:21pm EDT

Join Jason Hartman and Andrew “Ranting Andy” Hoffman, Miles Franklin’s Marketing Director, as they discuss the new game on Wall Street with its evil derivatives and destructive investment advice. Andy says Wall Street is no longer in the business of destroying retailers. Ever since the repeal of the Glass-Steagall Act, they’ve been in the business of destroying countries and taking power. Andy talks about Goldman-Sachs infiltration into political positions in other countries, and the infiltration into municipalities by other big Wall Street thugs, such as JP Morgan.

There is no more retail stock market and the consequence is record unemployment numbers. The government has been in bed with Wall Street and pushing out propaganda for years, but people are fed up with the game and the government is on the defensive.

Direct download: cw-235-RantingAndy.mp3
Category:Podcast -- posted at: 3:22pm EDT

Jason talks with one of his twenty-something clients who's getting off to a good start as a real estate investor.  Starting at the ripe old age of 26, Drew acquired three good rental properties that produce income of around $3,000 per month.  In this multi-faceted case study interview Jason and Drew talk about the presidential debates, with a special focus on Ron Paul, buying a home vs. renting a home while purchasing income property.

The rent versus buy analysis takes on new meaning in today's economy as we consider the "opportunity cost" of a huge downpayment and large monthly payment in overpriced areas of California or any market with undesirable LTI Ratios or "Land-to-Improvement Ratio" (an acronym and concept created by Jason as part of The Hartman Risk Evaluator).  As Rich Dad, Robert Kiyosaki, says; "Your house is not an asset, it's a liability. Assets produce income, your house costs money."  You'll also hear some thoughts on home-based businesses.

Direct download: cw20234-Drew.mp3
Category:Podcast -- posted at: 8:10am EDT

With a high number of foreclosures still haunting homeowners, Jason Hartman and Chad Ruyle, principal and co-founder of YouWalkAway.com, discuss strategic defaults, homeowners’ rights, understanding the foreclosure process, and how homeowners can use the law to their advantage when their mortgage is in default. When should you walk away? How can you minimize foreclosure consequences?

Direct download: cw-233-ChadRuyle.mp3
Category:Podcast -- posted at: 6:19pm EDT

Jason Hartman and his guests report on a variety of things from doomsday scenarios and derivatives (Wikipedia definition below) or the "derivative time-bomb" to how institutional investors like pension funds, insurance companies, mutual funds and REITs (real estate investment trusts) can overpay for assets, plus a short talk about private money lending/hard money lending.

Direct download: cw-232-ZachandJessica.mp3
Category:Podcast -- posted at: 12:50pm EDT

Join Jason Hartman and Doug Casey of Casey Research for a candid discussion about the condition of America and what is to come. Doug feels we needed a depression, but it doesn’t have to be as long and dismal as it’s going to be for most people.

The U.S. government has gone about everything completely opposite of the right way; it’s totally bankrupt. They’re selling money/debt to the Federal Reserve because no other country in the world wants to buy our devalued American dollar.

Doug feels for the average American because he/she is not going to profit from it and is going to be turned into a common serf. Pension funds are in trouble and are nothing more than the government’s scheme to finance its debt.

Direct download: cw-231-DougCasey.mp3
Category:Podcast -- posted at: 9:56am EDT

Join Jason Hartman as he and author of "Quirk", Hannah Holmes explore human personality types and how they affect who we become, whether extroverted, conscientious, agreeable, or even neurotic or obnoxious.

Is it possible that our hard-wired brain chemistry can even determine our political opinions and economic views?

 

For more information see http://www.JasonHartman.com

Direct download: cw-230-HannaHolmes.mp3
Category:Podcast -- posted at: 7:49pm EDT

Join Jason Hartman and author and chief economist at Blackhorse Asset Management in Singapore, Richard Duncan, as they discuss the global economic crisis, how it came about, where we are now, and what happens next. Richard talks about the history of the Great Depression and how we’re back in that same spot today.

Direct download: cw-229-RichardDuncan.mp3
Category:Podcast -- posted at: 10:44am EDT

Jason Hartman interviews Apple’s former Sr. Vice President of Operations and author of The Steve Jobs Way, Jay Elliot about the true legacy of Steve Jobs, discussing real-life examples of Jobs’ leadership and triumphs, and how these principles can apply to other’s lives and careers.

 

More at: http://www.JasonHartman.com or on iTunes.

Direct download: cw-228-JayElliot.mp3
Category:Podcast -- posted at: 11:39am EDT

Jason Hartman provides a market profile and information on an upcoming distressed property tour in St. Louis, Missouri. Finding a strong market to invest in starts with identifying the population, job growth, and economic impact of a given region. 

If you are interested in receiving further information or investment advice regarding this market, please contact us today and one of our professional investment counselors will follow up with you as soon as possible.

 

More information is available at http://www.JasonHartman.com

Direct download: cw-227-Stlouis.mp3
Category:Podcast -- posted at: 6:43pm EDT

Jason Hartman talks with Bill Whittle, host of Afterburner, regarding poverty levels in the United States and the strategies that undermine democracy and free markets.  Bill’s opinion is that America has the richest poor people in the world, versus countries like Africa, where millions of people live in dire poverty, with starvation and lack of healthcare. Bill discusses how everything people in the U.S. have ever needed in life is present at birth, including food, shelter, and healthcare. There's no need to want for anything.  

Yet people accept their lot in life as the natural order of things. With history on his side, Bill Whittle challenges widely held misconceptions about politics and society. Frequently asking the difficult ethical questions, Bill attempts to underscore conservative values and philosophy through logical reasoning.  Bill Whittle is a writer, pilot, and TV editor who lives and works in Los Angeles, where he hosts Afterburner on PJTV.

Direct download: cw-226-BillWhittle.mp3
Category:Podcast -- posted at: 11:45am EDT

Jason Hartman hosts a two-part show where we start with some reflections on the recent "Meet The Masters of Income Property Investing" event at The Hyatt Regency in Irvine, California. Investment Counselors, Ari and Sara join Jason as they discuss the following:

1)   Establish 5 year plan for where you would like to be in 2016

2)   26-27% real unemployment rate

3)   Decline of standard of living for America (ask tenants)

4)   Which entry point are you?

Direct download: cw-225-ZachHenderson.mp3
Category:Podcast -- posted at: 12:31pm EDT

Jason Hartman takes a unique middle ground on the Occupy Wall Street protests since Wall Street doesn't represent capitalism as the right-wing media would have us believe while the left-wing media who supports big government and big unions doesn't represent capitalism either. Both sides are promoting a fairy tale.

A recent Facebook post sums it up fairly well: This whole issue really isn't that simple. I assume that most of the protesters are clueless folks who need haircuts; however, so is the conservative media (that I mostly agree with) in saying that Wall Street represents "capitalism" - nothing could be further from the truth, Wall Street, banks and mega-corporations are mostly ANTI-CAPITALISM in that they are playing a rigged game with lobbyists, government cronyism and insider dealings at every level.

They use lawyers, accountants and PR firms to commit their crimes. There is very little capitalism on Wall Street.

Direct download: cw-224-occupywallstreet.mp3
Category:Podcast -- posted at: 9:16am EDT

Jason Hartman talks with Chris Mayer who is managing editor of the Capital and Crisis and Mayer’s Special Situations newsletters. He also is a contributor to the Daily Reckoning. Visit: http://www.jasonhartman.com/podcast/ or search Jason Hartman in the iTunes Store for more. Graduating magna cum laude with a degree in finance and an MBA from the

Direct download: cw-223-ChrisMayer.mp3
Category:Podcast -- posted at: 8:05am EDT

Jason Hartman discusses the destruction of America's great middle class and how to avoid it. Let's not let the USA become a banana republic. Jason recommends the book War on the Middle Class by Lou Dobbs and his interviews with Rich Dad author Garrett Sutton and Jim Rogers.

Direct download: cw-222-JasonAndSara.mp3
Category:Podcast -- posted at: 9:36am EDT

At a period in America’s life when all seems insurmountable, what with an astronomical national debt, high unemployment and underemployment, failing small businesses, and controlling corporate interests that don’t seem to have American citizens’ best interest in mind, it’s hard to believe that America is truly rich. 

Direct download: cw-221-NickBegich.mp3
Category:Podcast -- posted at: 4:35pm EDT

Whether it’s your spouse, significant other, family, friends, or even business associates, each individual speaks his or her own love language.  “The Five Love Languages” are:  Words of Affirmation, Quality Time, Receiving Gifts, Acts of Service, and Physical Touch.

For more information see http://www.JasonHartman.com

Direct download: cw-220-GaryChapman.mp3
Category:Podcast -- posted at: 9:46am EDT

Jason Hartman starts this episode with an update on and new fixed-rate mortgage financing program for IRA investors and foreign nationals. In addition, you'll hear about a change the RSS feed for this podcast in hopes that the change will be seamless and you won't even notice it; however, you know how technology goes sometimes.

Direct download: cw-219-DougUtberg.mp3
Category:Podcast -- posted at: 1:05pm EDT

Join Jason Hartman and co-author of Aftershock, Robert Wiedemer as they discuss the fundamental underlying problems of printing money, the inevitable results, and how investors can still profit as the world heads toward yet another global economic crisis.

Direct download: cw-218-BobWiedemer.mp3
Category:Podcast -- posted at: 9:49am EDT

Jason Hartman talks with Daniel Amerman about the likely results of the recent multi-trillion dollar increase in the debt limit. Dan is a Chartered Financial Analyst with MBA and BSBA degrees in finance.  He is a financial author and speaker with over 25 years of professional experience. 

More at: http://jasonhartman.com/radioshows

Direct download: creating-wealth-217-DanAmerman.mp3
Category:Podcast -- posted at: 4:19pm EDT

Jason Hartman gives you a free one hour segment from his Creating Wealth Home Study Course as he discusses "The Ten Commandments of Successful Investing."

More at http://jasonhartman.com/radioshows

Direct download: creating-wealth-216.mp3
Category:Podcast -- posted at: 5:43pm EDT

Jason Hartman talks with James Anderson, managing director of GoldSilver.com, about the historical cycles of gold and silver and other precious metals, against the monetary cycles. 

As the world’s fiat currencies continue to be debased through inflation, regulation, and irresponsible spending, precious metals investing is on the rise.  But do you physically own your gold? 

Direct download: CW-215-JamesAnderson.mp3
Category:Podcast -- posted at: 9:53am EDT

Join Jason Hartman as he talks with guest, Steve H. Murdock, former Census Bureau Director and current Professor of Sociology at Rice University in Texas, about the demographic shift taking place in the U.S. today .  The face of Texas has been shifting dramatically, not just from immigration, but in-migration and natural increase.

For more information see: http://www.JasonHartman.com

Direct download: creating-wealth-214.mp3
Category:Podcast -- posted at: 1:50pm EDT

Jason Hartman starts off with a recap of his Phoenix Distressed Property Tour last weekend, then a quick rant about crooked banks, Wall Street scams and how to get a loan modification or short sale approved with the help of a Q.W.R. Qualified Written Request Letter, a new product at: http://jasonhartman.com/loan-modification-short-sale-q-w-r-letter

Direct download: creating-wealth-213.mp3
Category:Podcast -- posted at: 6:30am EDT

Jason Hartman profiles 30 investment markets nationwide. What does the future hold? The unique characteristic of our market forecast is that we go beyond the traditional method of forecasting appreciation only to profile the income property return on investment for each market area.

More at: http://JasonHartman.com

Direct download: creating-wealth-212.mp3
Category:Podcast -- posted at: 11:05am EDT

Investors with the foresight to recognize prime "Buy!" opportunities should be poised to quickly take advantage of this bottomed-out market. Conditions are perfect to generate historical profits for someone in the near future and we hope it's you.

Visit: http://jasonhartman.com/events

Direct download: creating-wealth-211.mp3
Category:Podcast -- posted at: 12:20pm EDT

As is customary on every 10th episode, Jason Hartman, your host, takes on a non-financial topic as he talks with Dr. Geoffrey Simmons, a physician who is Board-certified in Internal Medicine and Disaster Medicine. He has a B.S. in Zoology and has completed the course work for a Masters degree in Microbiology.

More at: http://jasonhartman.com/radioshows

Direct download: creating-wealth-210.mp3
Category:Podcast -- posted at: 10:26am EDT

Jason Hartman talks with Platinum's Local Market Specialist about investment opportunities in the 9th largest metro area in the USA.  You'll hear Jason's prediction for ROI in Atlanta and a good market overview.

Visit: http://jasonhartman.com/radioshows/.

Direct download: creating-wealth-209.mp3
Category:Podcast -- posted at: 10:15am EDT

On this episode of the Creating Wealth Show, Jason Hartman talks with author and editor, Janet Portman, about becoming a landlord. Whether or not you call yourself a “landlord,” when you rent out a house, you’ll want to do it right!

More at http://jasonhartman.com/radioshows

Direct download: creating-wealth-208.mp3
Category:Podcast -- posted at: 6:54am EDT

Jason and Doug have a meandering discussion on the tragedy in Japan, life insurance, declining home ownership rates creating 6,000,000+ new renters in the next six years, Confessions of a Portfolio Hitman, interest rate predictions and much more.

Visit http://jasonhartman.com/radioshows/ for additional info.

Direct download: creating-wealth-207.mp3
Category:Podcast -- posted at: 3:18pm EDT

Jason Hartman presents a followup to show #205 with some additional information on "The Big D" - that's Dallas Texas, including a forecast for 2011 and a market overview. More at: http://jasonhartman.com/radioshows/. Dallas experienced a series of moderate appreciation followed by a gradual contraction that has resulted in much less price volatility than has been

Direct download: creating-wealth-206.mp3
Category:Podcast -- posted at: 6:35pm EDT

Jason Hartman talks with one of his Local Market Specialists from Dallas about ultra-low 5% down on brand new income properties.

Listen at: http://jasonhartman.com/radioshows/.

David has been a professional real estate investor since 2000 with investment holdings and development projects have included single family homes, apartments, office, retail, hospitality, and winery and companies that have held real estate interests in California, Texas, and Mexico.

Direct download: creating-wealth-205.mp3
Category:Podcast -- posted at: 7:35pm EDT

We’re putting enough real estate and business brainpower in one room to make Donald Trump flinch. Enjoy this content-rich sampler of "Meet The Masters" our twice annual powerhouse educational event that can revolutionize how you think about money and wealth.  Listen at: http://www.jasonhartman.com/radioshows/. 

Will you be any closer to financial freedom in one year?

Direct download: creating-wealth-204.mp3
Category:Podcast -- posted at: 6:56pm EDT

Jason Hartman talks with Robert Frank, author of The Winner Take all Society, The Economic Naturalist: In Search of Solutions to Everyday Enigmas; Falling Behind: How Rising Inequality Harms the Middle Class and many more!  In his The Winner-Take-All Society, Bob Frank discussed the fact that more and more of current economy and other institutions

Direct download: creating-wealth-202.mp3
Category:Podcast -- posted at: 7:04am EDT

Jason Hartman talks with "Meet The Masters" speaker, author, attorney, Mark Kohler. Mark received his Bachelors of Accounting degree and his Masters of Taxation Degree from the University of Utah. He graduated from Willamette University Law School. He is licensed CPA in Oregon, Utah and Arizona and is member of the Utah Bar and practicing attorney.

More at: http://jasonhartman.com/radioshows

Direct download: creating-wealth-201.mp3
Category:Podcast -- posted at: 7:12am EDT

Jason Hartman talks with T. Harv Eker about Secrets of the Millionaire Mind which reveals the missing link between wanting success and achieving it. Listen at: http://jasonhartman.com/radioshows/. Have you ever wondered why some people seem to get rich easily, while others are destined for a life of financial struggle? Is the difference found in their

Direct download: creating-wealth-200.mp3
Category:Podcast -- posted at: 10:03am EDT

Jason Hartman talks with Edward Jamison who is the founder of Jamison Law Group and the creator of CreditCRM. More at: http://jasonhartman.com/radioshows/.  He is an attorney and nationally recognized as an expert in credit repair and identity theft. Edward has been featured as a credit expert on NBC, CBS, Fox, the Wall Street Journal, the

Direct download: creating-wealth-199.mp3
Category:Podcast -- posted at: 8:53am EDT

Jason Hartman talks with Steve Slaunwhite about successful freelancing at http://jasonhartman.com/radioshows/. Steve is a marketing speaker, author and coach, as well as being an award-winning expert on writing marketing copy that sells. His popular books and how-to guides include The Wealthy Freelancer (Alpha Books), The Everything Guide To Writing Copy (Adams Media), Start & Run

Direct download: creating-wealth-198.mp3
Category:Podcast -- posted at: 10:46am EDT

Jason Hartman talks with Mike Dillard about crisis investing in precious metals, debt, private offshore banking and income property.  If you're as concerned as we are about insane levels of government spending, fiat money creation and your financial future this episode will be of interest. Mike is a very successful internet entrepreneur who has launched

Direct download: creating-wealth-197.mp3
Category:Podcast -- posted at: 6:13am EDT

Jason Hartman welcomes Ronald Reagan to the show to share a moving Christmas story. Next, some mortgage financial planning illustrated by "A Tale of Two Brothers" by Ric Edelman who has educated his clients for years on the benefits of integrating their mortgage into their overall financial plan.In his book, The New Rules of Money,

Direct download: creating-wealth-196.mp3
Category:Podcast -- posted at: 6:14pm EDT

Jason Hartman talks with David Fagan. Whether it is working with Inc 500 Infusionsoft or as CEO of Guerrilla Marketing, David T. Fagan knows the sales activities and attributes needed to bring major opportunities, accounts and profitable relationships to an organization. More at: http://jasonhartman.com/radioshows/. That’s what the former CEO of Guerrilla Marketing David Fagan is

Direct download: creating-wealth-195.mp3
Category:Podcast -- posted at: 7:05pm EDT

We all know that Wall Street is riddled with scams but real estate, like every industry, has it's share of crookery too.  Jason talks with Local Market Specialist (LMS), Angela, about one rather common scam relating to valuation and flipping of properties to unsuspecting buyers.  Then Jason talks with Mark Smith about protecting your rights

Direct download: creating-wealth-193.mp3
Category:Podcast -- posted at: 4:36pm EDT

Jason Hartman profiles one of his favorite markets, Atlanta.  Visit: http://jasonhartman.com/radioshows/.As the capital and most populous city in the state of Georgia as well as the urban core of one of the fastest-growing metropolitan areas in the United States.  Considered a top business city and transportation hub, Atlanta is the world headquarters of The Coca-Cola

Direct download: creating-wealth-192.mp3
Category:Podcast -- posted at: 6:17pm EDT

Jason Hartman talks with Daven Michaels about a hot and controversial topic, outsourcing.  These days, a lot of businesses have figured out the advantages of outsourcing their administrative support projects. More at: http://jasonhartman.com/radioshows/. Here are just a couple of the benefits one will get if one’s projects are effectively planned: Reduces expenditure on wages, office

Direct download: creating-wealth-191.mp3
Category:Podcast -- posted at: 8:14am EDT

Jason Hartman talks with Guinness World Record Holder, David Farrow on this "every tenth show" where we'll explore how to improve memory and concentration.  More at: http://jasonhartman.com/radioshows/. If you're like most people, you're constantly forgetting things. People's names. Where you put the keys. Even things you read just moments before. Your mind is like a

Direct download: creating-wealth-190.mp3
Category:Podcast -- posted at: 11:12am EDT

Jason Hartman talks with real clients about their apartment investments.  You'll learn about a very rare opportunity to own brand new multi-family units that are 100% fully rented in advance.  The typical apartment investor gets an old building and the potential for endless "money pit" repairs, vacancies and hassles.  What if you could start fresh

Direct download: creating-wealth-189.mp3
Category:Podcast -- posted at: 9:15pm EDT

Jason Hartman talks with the founder of USAWatchdog.com, Greg Hunter, who has nearly nine years network experience as an investigative correspondent.  He worked for ABC News and Good Morning America for nearly six years. Visit: http://jasonhartman.com/radioshows/. Most recently, Greg worked for CNN on shows such as Paula Zahn Now, American Morning and various CNN business

Direct download: creating-wealth-188.mp3
Category:Podcast -- posted at: 10:40am EDT

Enjoy this conference call hosted by Jason Hartman as he talks with some of the experts who will share their experience and wisdom at The Masters Weekend.  Visit http://jasonhartman.com/store/events/ for details and registration.

Direct download: creating-wealth-187.mp3
Category:Podcast -- posted at: 7:30am EDT

Jason Hartman talks with acclaimed financial advisor Ric Edelman.  Barron’s has six times (2004–2009) ranked Ric Edelman among America’s 100 top financial advisors. In 2009, Ric was ranked the #1 independent financial advisor in the nation by Barron's.  More at http://jasonhartman.com/radioshows/. In 2004, Ric was inducted into the Financial Advisor Hall of Fame, ranked by

Direct download: creating-wealth-186.mp3
Category:Podcast -- posted at: 7:29am EDT

Jason Hartman analyzes the foreclosure market with RealtyTrac Senior Vice President, Rick Sharga. Visit: http://jasonhartman.com/radioshows/. As one of the country’s most frequently-quoted sources on foreclosure, mortgage and real estate trends, Rick has appeared on NBC Nightly News, CNN, CBS, ABC World News, CNBC, MSNBC and NPR. Rick has briefed government organizations such as the Federal

Direct download: creating-wealth-183.mp3
Category:Podcast -- posted at: 5:46pm EDT

Jason and Ari open with a short discussion on how "all real estate is local" by comparing markets in several different time frames, then Jason interviews Barbara Weltman on tax benefits and home-based business.  Listen at: http://jasonhartman.com /radioshows/. Since the publication of her J.K. Lasser’s Tax Deductions for Small Business in 1995, Barbara Weltman has

Direct download: creating-wealth-182.mp3
Category:Podcast -- posted at: 10:59am EDT

Jason Hartman talks with second-time guest, Bruce Norris, investor, hard money lender and real estate educator with over 29 years experience. Renowned for his ability to forecast long-term real estate market trends and timing, the release of The California Comeback report in 1997 gained him much notoriety and its accuracy of the extensive report led

Direct download: creating-wealth-181.mp3
Category:Podcast -- posted at: 11:50am EDT

Jason talks about property management then marketing success with Google Analytics expert Justin Cutroni who is Director of Digital Intelligence for WebShare an online marketing and analytics firm based in Phoenix. Listen in at:http://jasonhartman.com/radioshows/. Justin is the author of Google Analytics published by O’Rielly, June 2010. This book is for the advanced GA user. Knowing how users behave when they

Direct download: creating-wealth-179.mp3
Category:Podcast -- posted at: 8:28am EDT

Jason talks with Scott Meyers, CSSM©, the nation’s one and only self storage millionaire maker. Scott's company focuses solely on buying and selling self storage facilities, that’s it. At the present time, he owns and operates several facilities throughout Central Indiana. Listen in at: http://jasonhartman.com/radioshows/. As a leading self storage educator, he travels the country

Direct download: creating-wealth-178.mp3
Category:Podcast -- posted at: 12:56pm EDT

Jason talks with The Podcast Answer Man, Cliff Ravenscraft, who was one of the first people to take on podcasting full time as a career in 2005. Cliff has become known as a go to person when it comes to questions related to podcasting and new media. Visit:  http://www.jasonhartman.com/radioshows. What started as a hobby, soon

Direct download: creating-wealth-177.mp3
Category:Podcast -- posted at: 7:32pm EDT

Jason provides a unique commentary on the gulf oil spill, firing your investment property manager, buy and hold investing.  Following the monologue, Jason talks with Steve Dexter about his book Real Estate Debt Can Make You Rich and long term investing. Visit: http://jasonhartman.com/radioshows/. Housing and commercial property prices the lowest they’ve been in nearly a

Direct download: creating-wealth-176.mp3
Category:Podcast -- posted at: 3:59pm EDT

A look at Jason's Ultimate Investing Equation followed by Daniel and Gerard Adams for The National Inflation Association (NIA) recently featured on Inside Edition and ABC World News Tonight with Charlie Gibson, The Wall Street Journal, MSNBC, ABC's Nightline, KTLA News and CNBC.  Visit: http://jasonhartman.com/radioshow. After being ignored by  family and friends about the coming

Direct download: creating-wealth-174.mp3
Category:Podcast -- posted at: 4:55pm EDT

Jason is feeling generous... Enjoy an entire free issue of The Financial Freedom Report.  Here is our source for innovative, forward-thinking investment property and home-based internet business strategies and advice. Income property investing is the most reliable path to wealth. History has proven it time after time. So, why do people still waste their time

Direct download: creating-wealth-173.mp3
Category:Podcast -- posted at: 12:19pm EDT

Jason talks with Harvey Mackay author of the New York Times #1 bestsellers Swim With The Sharks Without Being Eaten Alive and Beware the Naked Man Who Offers You His Shirt. Both books are among the top 15 inspirational business books of all time, according to the New York Times. In total, Harvey's books have

Direct download: creating-wealth-172.mp3
Category:Podcast -- posted at: 1:18pm EDT

A silly morning show? Not really... in this show Jason has a very casual, impromptu (and silly at times) discussion with two of his favorite Investment Counselors, Ari and Sara.  You'll get a debrief on the last Creating Wealth Boot Camp, some investing insights, a "case study" article from The Financial Freedom Report and hear

Direct download: creating-wealth-171.mp3
Category:Podcast -- posted at: 12:10pm EDT

Jason talks about "Income Property Bonds™" where you can earn 10 to 12% annually before any appreciation or tax benefits!  Next, Jason talks with 29-year old Yanik Silver who is recognized as the leading expert on creating automatic, moneymaking web sites…and he’s only been online full time since February 2000! He believes almost everything people

Direct download: creating-wealth-169.mp3
Category:Podcast -- posted at: 7:41pm EDT

Jason talks with Dr. Tony Alessandra CSP, CPAE about The Platinum Rule. Listen at: http://www.jasonhartman.com/radioshows. Tony has a street-wise, college-smart perspective on business, having been raised in the housing projects of NYC to eventually realizing success as a graduate professor of marketing, entrepreneur, business author, and hall-of-fame keynote speaker. He earned a BBA from the

Direct download: creating-wealth-165.mp3
Category:Podcast -- posted at: 12:15pm EDT

People who follow Jason Hartman’s Creating Wealth Show know how much he likes markets with good affordability and attractive cash flows.  When you add a favorable tax environment with an inviting business climate, you have an accurate description of Dallas.  Go to: http://jasonhartman.com/radioshows.  As a nexus point for businesses relocation and expansion, Dallas represents a

Direct download: creating-wealth-164.mp3
Category:Podcast -- posted at: 9:23am EDT

After an debrief on The Masters Weekend, Jason's continues his discussion from show #141 on "The 30 Fatal Mistakes Investors Make." During turbulent economic times, people can become their own worst enemy.  The uncertainty of the stock market creates massive insecurity about our investment portfolios. These doubts are quite reasonable and it is time to

Direct download: creating-wealth-162.mp3
Category:Podcast -- posted at: 10:48am EDT

Jason talks with David Allen who is widely recognized as the world's leading expert on personal and organizational productivity. His twenty-five-year pioneering research and coaching to corporate managers and CEOs of some of America's most prestigious corporations and institutions has earned him Forbes' recognition as one of the top five executive coaches in the world

Direct download: creating-wealth-160.mp3
Category:Podcast -- posted at: 5:43am EDT

Jason's amazingly popular course is now online.  Thousands of people have attended live and zillions have asked for an online version... well, it has finally arrived!  Can’t attend locally, can't attend the live class?  We have the solution you've been asking for!  Go to: http://www.jasonhartman.com/radioshows. Are you like the many who would like to attend

Direct download: creating-wealth-159.mp3
Category:Podcast -- posted at: 7:31am EDT