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Aunty is a new senior citizen and loving this phase of her life. Less responsibilities, less fear of being weird, able to do more of the things that I want to do! Older, yes, slower, yes, but life is even more wonderful in my golden years and I look forward to even goldener ones.

Number of Entries : 376

Mortgage acceleration payoff programs – some caveats

Do NOT waste $3000 on the Money Merge Account program from United First Financial to eliminate your mortgage in a few years.  It is cumbersome, time consuming, and limited.  All their hype about algorithms and such with the juggling of at least 2 accounts is easier achieved with chunk payments.  [This company has changed their name to "Worth Unlimited" - same players, same game.   Mahalo to Joe Taxpayer for ...

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Due on Sale Clause – when transferring title

I have been to several seminars - and the #1 problem investors have run into lately is the lack of being able to secure traditional financing from the banks. Phill Grove's AMPS or MAPS program seems like an excellent program.  Basically it "marries" people who have homes they cannot sell because they are underwater with their loans, with people who are unable to secure loans to buy their own home.  The new ...

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Dealer status – AVOID!

Here are a few articles/information/links about dealer status in real estate.  This is a very long page, with full articles from Greg Boots, Randy Swad, Michael Hauser, and Richard Frunzi, all of them licensed and very smart attorneys on the subject. Please take some time to read each article so that a clearer picture emerges as to the proper, proven, and legal way to structure your business to avoid the dr ...

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Return on Equity – brilliant!

I first heard the term "return on equity" or "ROE" from Paul Xavier of HiREI - our local real estate investor club here in Hawaii - a few months ago.  It struck me like a bolt of lightning - a new way of looking at what makes the best financial sense - and then, like a flash, the impact of it began to fade.  In other words, Aunty forgot about it. At last night's HiREI meeting, Paul lead an open forum type o ...

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Ozzie Jurock on investing

Here is a summary of Raymond Aaron's interview with Ozzie Jurock.  Ozzie Jurock is a great international teacher that has built up his own investment portfolio of real estate.  He is an investor adviser with a LOT of great credentials.  I suggest you listen to it yourself, but if not, here are my aunty notes: Real estate empowers you to have passive income. Find out who you are.  Shark (grave dancer, going ...

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Organizing tips

For anyone who knows me and been to our house, the title of this subject would have them chuckling.  I live my life in chaos.  My workroom has dozens of incomplete projects, my floor covered with paper stacks, and it is usually panic time when company is over and I have to clear space and present a parlor in order. However, I am on a mission to clear the clutter from my life, as well as prepare to move one ...

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Get started on eBay!

One of the best teachers to stop me from buying stuff I really don't need (doodads) is selling those unused items on eBay.  Rarely will you get what you bought - though sometimes you get pleasantly surprised - a Louis Vuitton bag that was bought for $800 actually sold for $800 on eBay with heavy bidding at the end!  Most things we have laying around will sell, but not for retail. Here's how I sell - it's no ...

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Home Declutter

Aunty's house is de house of clutter, so if there is an expert in de-cluttering, it will be me one day.  Something like the way to catch a thief is to learn from a thief, or something like that. First, take a picture of your house, room, entrance, kitchen, dining table, wherever you feel is a mess.  To feel better as you view the pictures, it really does look worse in the photo than it does in real life.  A ...

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Investing in Las Vegas

Las Vegas Real Estate – 9th Island of Opportunity Okay, if I had to choose between other mainland cities or Las Vegas, I’d bet my stack of chips on Vegas.  It really does feel like home, only hotter, colder, drier, and busier.  My favorite airline goes there non-stop and since I have their VISA card, I use my Hawaiian Miles to upgrade to first class whenever I can - THAT is truly the way to fly! In Vegas, t ...

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How Aunty buys in Vegas

I do things the easy way, but I try to do them well.  One of the secrets to that is to find good people that help.  I have been blessed with good luck in finding great people. My realtor, Martin Fajardo ( is the number one key element in my Vegas real estate ventures.  Smart, young, awesome.  His motto is to under promise and over deliver.  That he does, time after time. It does help to ...

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