CHERYL FAIRBANKS’



Real Estate Investor’s Real Estate Investor’s ACTION PLAN BOOKACTION PLAN BOOKCathy Crowe-LeagueHelping real estate investors become more successful, professional and balanced in every aspect of their lives.Copyright 2017 by Cathy Crowe-League All rights reserved. All materials copyrighted and exclusive property of Cathy Crowe-League, 2017No portion may be reprinted without author’s express written permission.cathy@ WelcomeAnnual Income ForecastExpenses/BudgetOverheadSource of BusinessSummaryInspired Success Series – Action – 8 Week PlanAn Ideal DayAddendaA – Sphere of Influence GuideB – Open House Check ListC – Hot ReferralsD – Cathy’s Famous FSBO ScriptE – Prospecting LogF – New Agent AnnouncementG – Seller Interview Form H – From Contract to Closing Checklist (Buyer)I – From Contract to Closing Checklist (Seller)J – Client Satisfaction Survey Order Form456781011282930313233343536373840You have made the decision to become a real estate investor! Welcome to the world of real estate in the greatest country in the world, where the possibilities are endless and you are in control.From many walks of life, thousands of people have become real estate investors and have gone on to become millionaires. They are able to enjoy the lifestyles of their dreams, in command of their own time and riches. None of these people, not matter what their educational background is, have achieved success without dedication, sacrifice, and a plan of action that they worked. I have written and pre-pared a “Plan of Action” to show you down the pathway to success. I have been a successful in real estate by having a plan and working the plan.I have a couple of saying that I apply to real estate investing that I would like to share with you.“It is not what you know, but who you know.”“Knowledge is power, but the application of knowledge is powerful.”“If it is going to be, it is up to me!”“You must take action”“No fear, no fail”You will see how all of these sayings will take fold as you read this book. I wish you the best, now get to work! Take Action Now!How much money do you want to make?YEARLY INCOME FORECASTIncome Goal _____________________________#Hours to be worked each week _____________________________Hourly value _____________________________(#hours x 50 divided into income goal)Project your income for each month based on the above goals and stats:January FebruaryMarchApril MayJuneJuly AugustSeptemberOctober NovemberDecemberWord of advice: Please be realistic. It is better to over-achieve and celebrate, than under-achieve and feel like a failure.Business Plan1. Set your minimum production goal for this year: $ . And your minimum income goal for this year: $ .2. Set your aggressive production goal: $ . And your aggressive income goal: $ .3. List 6 compelling benefits for accomplishing this goal:1. 2. 3. 4. 5. 6. 4. List 6 consequences of falling short of reaching the goal:1. 2. 3. 4. 5. 6. ____________________________________________________5. Convert goal into a simple, visual plan. On a separate page, identify 3-5 main activities you’ll need to do regularly (ex: prospecting) to reach your goal. Then, list the biggest benefit of reaching each goal beside it. Type in large font and attach magazine pictures of those goals to the page to represent the visual equivalent of the goal. You can also find pictures in clipart. Post this where you can see it on a daily basis.)6. List the new systems/skills/disciplines/people required to reach your goals. (On a separate page of paper.) 8. List 3 negative tapes you play in your head when you think about reaching these goals:1. 2. 3. 9. State 3 powerful, positive reasons why you CAN reach these goals*:1. 2. 3. *Now, throw away the negative reasons and chant the positive ones every time the negative voice speaks up.)10. What, then, is your #1 focus for this year? ________________________________________________________________________________________________________________________________________________11. What actions will you take daily to improve your performance? 12. What business activities will you habitually do to reach your goal? SO, YOUR BUSINESS PLAN IS THIS:1. $ in Sales in 20__2. $ Income in 20__3. Top 3 Goals: 4. Corresponding Reward for each of 3 Goals Reached: 5. Focus in 20__ is: 6. Systems You’ll Establish This Year: 7. Disciplines You’ll Adopt This Year:The 80/20 Rule80% of the new real estate investors never get out of the starting gate or get out of the business within their first two years. By developing a sound and informed plan up front, then steadfastly working the plan, you can be in the 20% that survive and prosper with exciting and fulfilling ventures.Invest five days at the beginning of your career that will start you in the direction of solid success. Or if you need a kick start re-invest 5 days in the right direction.Gather your contacts' data, your financial numbers and then invest the time to complete this plan. Decide which days of the week and which times of each day you will work your prospecting plan. Design your days so that at least 75% of your first six months is devoted to business-building prospecting. DO schedule a regular day off to avoid burnout.By following an informed plan, you will realize the goals you have set for yourself. “It takes money to make money”EXPENSESYou should make files for these tax-deductible receipts and upkeep them on weekly bases:Automobile expenses (e.g.: gas receipts, license tag and inspection, maintenance, car washes, toll charges, parking, insurance)Office – if you have one outside your house. Always check with your accountant for your home office deductions and set your home office up according to IRS' guidelines in order to claim these deductions.Office Supplies, printingAssociation membership dues, publications and subscriptionsComputer and internet charges, including web site development and hostingAdvertising and marketingEducation/coachingSeminars, conventions - Keep hotels, meals, etc., separate for thesePromotional fees, gifts for clientsMeals/entertainment for clientsPostageTelephones - long distance, mobile, office and home office, pagersSigns and materialsHealth, life, E&O, and disability insuranceContract laborMaterials OVERHEADReal estate investing is a business and you need to treat it as such. As with any business start-up, there are initial expenses and you need to estimate those amounts:Business cards and other printing __________________________________Training programs _____________________________Signs (Yard and car) _____________________________Digital camera with video capabilities _____________________________Office supplies _____________________________Postage _____________________________Computer _____________________________Access to MLS program _____________________________Specialized software programs _____________________________ Web site (design, maintenance and hosting) _____________________________Association dues _____________________________Creating My NetworkWho can help me find properties?Who can help me evaluate the properties that I find?Who can help me with the evaluation of the properties value?Who can help me write a contract?Who can help me with the financing of the property?Who will I get to close the deal?Who will help me with the transaction process?Who is going to do the repairs on the property?Who will help me market the property for sale or lease?Who will help me once a buyer is found to see that it will close?Who will help me manage the property if we find a tenant?Who will I get to close the sale?What am I going to do with the proceeds from the sale?Where will my business come from?SOURCE OF BUSINESSIf your business plan was used to apply for a loan at the bank to fund your new venture, you'd be expected to describe where your business was going to come from and what various sources of business would supply these leads. Your Spear of Influence (Personal Contacts)Capture the names, addresses (including e-mail) and phone numbers of everyone you and your family know. Having a systematic approach of contacting these folks by phone, then mail, then phone, then mail can generate quick referrals. Gather names, addresses, e-mail addresses, and all phone #’s you can of your contacts in these categories. Then, ask your spouse/partner, etc., (if applicable,) for their contacts!Accountants, CPA’s, Financial advisersInsurance AgentsParents of children’s friends, sports teammates, PTA, Teachers, other school contactsChurch members you know, minister, staff, teachersDry cleanersDentistsDoctorsAttorneysFamilyFriendsNeighborsPeople where you exercise atGrocerWaitresses at favorite restaurantsSmall business owners that you frequent (photographers, boutiques, jewelers, florist, etc.)Hairdresser/BarberNail salon technicianFormer classmates Previous occupation contacts, co-workersAll service personnel, such as heat/air service repairman, pool repair, junk man.Who else?ReferralsThe average you know, knows five other people who will buy or sell real estate this year. That's all people are talking about – the housing market today, So ASK them who else they know that's talking about buying or selling. Another source of referrals that is often overlooked is from the other investors you meet at your local real estate association. Many deals are overloaded and will let leads slip through their hands because of time management challenges. Promote yourself to them! The extra bonus is that you learn the success techniques of these experienced investors, as well, as you get to know them. Be careful about referral fees. Check with state and IRS guidelines before you offer money. COMMUNITY INVOLVEMENTThere are numerous opportunities, but look at what's obvious for you. Do you have school-age children? Then get involved in their school functions! Would you enjoy volunteering on committees through your chamber of commerce? Do you participate in Rotary, Lions Club, Kiwanis, etc.? Let these organizations know of your new real estate investing business and assist in their service opportunities.FSBO'S (For Sale By Owner)The majority of folks who begin as a For Sale by Owner list their property with a Realtor within the first two weeks! So as an investor, get to the FSBO early and try to cut a real deal with the homeowner.ADMIN/SKILL TRAINING, WEEK 1:Have a professional photo made and for your advertising. People like to see a face when doing business with a new person.Purchase a tape measure, real estate calculator or app, dedicated mobile phone, and business cards. Visit a homeowner's insurance agency and get rate charts. Make friends, leave your cards and ask for referrals!Visit a title company/escrow officer and get tax rate and title policy charts. Make friends, leave your cards and ask for referrals!BUSINESS BUILDING ACTIVITIES, WEEK 1:Get written testimonials from previous co-workers/employers. Mail 100 announcements to your sphere of influence. Write and mail 2 thank you notes a day. * * Items to be repeated daily/weekly or monthly through the first year, at least.ADMIN/SKILL TRAINING, WEEK 2:Meet with 2-3 lenders recommended by top investors.. Get "information needed for loan application" letters. Develop your work plan and set production goals for the year. Discuss with your coach. BUSINESS BUILDING ACTIVITIES, WEEK 2:Preview 5 listings a day in the same price range, 5 days a week *. Learn the marketAttend 5 open houses on Sunday. Drive and find at least 10 houses around the open house that could be investment prospects.* Items to be repeated daily/weekly or monthly through the first two years, at least.ADMIN/SKILL TRAINING, WEEK 3:Watch a video/DVD or other type sales/prospecting/ motivational program. * Listen to 2 sales/motivations training CD’s while driving or getting ready for work.* Write a sample conventional contract. Review and approve with someone experienced, then use as a "go-by." BUSINESS BUILDING ACTIVITIES, WEEK 3:Follow-up open house leads from drive by’s with calls, notes, appointments. Have one buying a distressed property appointment this week beginning this week. * Knock on a minimum of 15 doors around a new prospective appointment twice a week, canvassing for sellers. * * Items to be repeated daily/weekly or monthly through the first two years, at least.DMIN/SKILL TRAINING, WEEK 4:Write a sample closing cost estimations. Review and approve with an experienced investor, then use as a "go-by." Practice closing cost estimation and have reviewed and explained by the title company/escrow officer. Observe a "real" closing. BUSINESS BUILDING ACTIVITIES, WEEK 4:Have at least one buy a property appointment a week. Write a sales contract to buy a property this first month in the business: Hand out 5 business cards a day. Visit 5 people you know, following up on announcements. Give each of them 2 cards minimum. ASK for leads. Plan and hold another open house adventure with attending an open house to see the market and drive for dollars to find other properties. * Items to be repeated daily/weekly or monthly through the first year, at least.ADMIN/SKILL TRAINING, WEEK 5:Complete a sample repair estimation on your own or a friend's house. Review with an experienced investor, then use as a "go-by." Write a sample rehab plan. Review and get approved by an experienced investor and loan officer for a "go-by." Visit stores that sell material for rehabs and determine a list of products to use and prices. Build 3 types of rehab plans for different styles and prices of houses. BUSINESS BUILDING ACTIVITIES, WEEK 5:Farm the businesses near your office. Meet the owners, give them 10-20 of your cards. Keep them stocked, asking for leads each visit. Add 5 new leads (from business cards) to your database each day.* Write a letter to the busiest agents in your area, asking for referrals of their distressed/investment properties for you to buy.Ask your current friends and family for referrals.* * Items to be repeated daily/weekly or monthly through the first two years, at least.ADMIN/SKILL TRAINING, WEEK 6:Watch motivational videos twice a week.* Prepare a CMA on an on distressed listings. Have it reviewed and approved by you’re an experienced investor. Create your marketing plan for finding distressed property and review with an experienced investor. BUSINESS BUILDING ACTIVITIES, WEEK 6:Visit 5 FSBO's a week to get preview and make offers. * Preview 5 FSBO's a week on Saturday/Sunday. Send follow-up notes to each FSBO you meet, preview or talk to. * Follow-up FSBO appointments with phone calls if they qualify as good leads. * Items to be repeated daily/weekly or monthly through the first years at least.ADMIN/SKILL TRAINING, WEEK 7:Explore "Contact Management" programs. Choose a database program that you can operate and load your contacts into it. Join a group (civic, non-profit, volunteer, school, etc.) to build your network. BUSINESS BUILDING ACTIVITIES, WEEK 7:Preview two new to you home subdivisions a week. Do a CMA on the homes. See how many homes have sold in the past year and have not sold in the past year.Find all the non-owner occupants and make contact with them via a postcard * Items to be repeated daily/weekly or monthly through the first year, at least.ADMIN/SKILL TRAINING, WEEK 8:Plan your week each Sunday with your family/loved ones/self. * Plan your day's activities/must-do's the night before or early a.m. of each day. *Show up at the office, ready to work, by 8:30 a.m. 5-6 days a week.* Develop a business budget for the year and review it daily. Then review it monthly. * BUSINESS BUILDING ACTIVITIES, WEEK 8:Secure and present a minimum 2 buying appointments a week. Have a minimum one saleable property contract a month. * * Items to be repeated daily/weekly or monthly through the first two years, at least.These career-building steps should be on-going habits:Write and mail 2 thank you notes a day.Preview 5 properties a day in the same price range, 5 days a week.Watch one sales/prospecting video/DVD a week.Listen to 2 sales training tapes (a week) while getting ready or driving to work.Knock on a minimum of 15 doors around a new listing at least twice a week.Add 5 new leads to your database each day.Ask your current friends and family for referrals.Visit 5 FSBO's a week to get preview appointments.Send follow-up notes to each FSBO you meet, preview or talk to.Follow-up FSBO appointments/drive by leads with phone calls if they qualify as good leads.Plan your week in advance; include loved ones and their schedules in yours.Plan your daily activities either the night before or the morning of, especially the "must-do's."Review your business budget monthly.Take a minimum of one property purchase a month the first two months of your career. Raise that goal to 2-3 per month beginning your third month in sales.AN IDEAL DAY OF WORK FOR A FIRST YEAR INVESTOR6-7 a.m.Start the day with inspirational reading, then exercise. Review day's plan and appointments.Eat breakfast8:30Arrive at the office.Check e-mails first! Respond to the urgent emails only.Return urgent phone calls.9-10:00Call 10 people in your sphere of influence or investor profiles you have collectedWrite two thank you notes to someone who's helped you.10-10:15"Refresh" break...Stretch, move away from desk, put on classical music, drink water, breathe!10:15-10:30Check and answer business e-mails.10:30-11:30Make five-ten follow-up phone calls to people you've worked with the previous week: FSBO's, , prospective sellers.11:30-12Select five new listings in the same price range to preview; make appointments to see them between 12 and 1:00 p.m. If possible, preview investor type new listings first.12-1:00 p.m.Eat lunch and preview five new listings you haven't seen. Listen to sales technique tape while driving.1-2:00Return to office. Admin/paperwork, including:- Updating yourself on your closings and get in touch with TM - Writing/placing ads or emails on properties- Scheduling showing on properties you are marketing.- Preparing a CMA’s on perspective properties.(Note: This is also a good time to have classical music in the background.)2-3:30Call perspective investors to buy properties or update their profiles.3:30-3:453:45-4:00 "Refresh" break (as above). Talk to a loved one. Have a light "energy" snack (protein, water, fruit.)Skill practice.Scripts/dialogues for both investor buyers and distressed sellers4-4:30Return phone calls and business e-mails.4:30-6:00 6:00+More phone calls to perspective sellersBuying Appointment or Show property to investors.Write an offer or plan next appointment with them.Plan next day's prospecting and go home!ADDENDUM “C”HOT REFERRALS Referred by: (who you are going to thank!)Name of prospect: Phone #’s:E-mail address(es):Home address:Target date to move: Price range?Appointment date, time: Referral fee, if any (for agents only):%Thank you note sent (date):ADDENDUM “D”Cathy’s FAMOUS FSBO SCRIPTHello, my name isand I’m withI buy houses for a living. It's my job to know the inventory. Chances are, I could be the buyer for your house. When would be a good time to see the house? It will only take me about 15 minutes.Steps to perfecting the script:Record into a tape recorder 3 times in a row.Read it the first time.Slow down rate of speech and read it the second time. Add your personality the third time, but DO NOT CHANGE the SCRIPT!Then listen to the tape until you have mastered it.Remember, you are only asking for a PREVIEW appointment, not a buying appointment. The seller and the property must qualify to become a contract.To qualify, they must meet 4 criteria:MotivatedWill be realistic about the valueThey are pleasant peopleThe property is can be rehabbed and the numbers workSteps for converting FSBO’sAsk the seller if you may follow-up with them by phone to keep your inventory records current.Call the sellers every 2-3 days, saying, “I’m just updating my inventory list. Is your property still for sale?”After about 3 of these calls, ask them this question:“If I could show you how I could get you the same amount of money you can – maybe more – would you be interested in talking to me?”(NOTE: NEVER say, ‘If I could GET YOU THE SAME AMOUNT AS YOU’RE ASKING…!” The fact is that their potential buyer will discount the Realtor? fee from the FSBO’s asking price, then add additional closing costs and other repair fees. With your representation, you could advise him on which of those fees he would not have to pay, netting him the same amount or more! Remember, the comps include a Realtor’s? fee and most FSBO’s seek a Realtor’s? CMA before pricing their houses. Buyers don’t want to pay the fee if a Realtor? is not involved, so they discount the price or ask the seller to pay that amount in their closing costs.)PROSPECTING LOGTrack your contacts by putting a mark in the category worked. Total the number of marks each week to analyze your results vs. the number of contacts. EX: FSBO’s 11111 11111 Total: 10MONTH,201WEEKFSBO'sTotal:Warm CallsTotal:Open HousesTotal:PreviewsTotal:Rehabbed Properties ViewedThank You notesTotal:Investor meetsTotal:Buying app'ts.Total:TOTAL CONTACTS/APPOINTMENTS FOR WEEKQuestions to discuss with Coach:Favorite prospecting activity this week?Areas to prospect more in next week? SELLER INTERVIEW FORMName:Date:Address:Subdivision:Home Phone:Work Phone:E-mail Address:Why are you selling?Sq Ft:Stories:Bedrooms:Baths:Garage:Dining:Living:Utility:Fireplace:Den:Study:Hot Tub:Pool: Condition? Type? Portable/Built-in? Age?Fence:Brick or:Lot Size:Age:Sprinkler:Security:Wet Bar:Cent Vac:Patio/Deck:Island:Cook Top:Refrigerator:Oven:Compactor:Range:Microwave:Washer:Garbage Disp:Dryer:Dishwasher:Roof:School District:Other:Water Claims:Loan Balance:Original Cost:Payment: 2nd Mortgage:Tax/Ins Incl: Year Bought: “Please have your loan documents, survey, key and payment coupon out.”“What was the number one reason you bought this house?”(Houses tend to sell for the same reason over and over.)“Are you interviewing anyone else?” YN“Of course, you and your spouse/partner will both be there, right?”CATHY’S COACHING PLAN OF ACTIONIdentify the exact number of days you’ll be working and the exact number of hours you’ll prospect on those days..If you did more than usual, would it mean more good leads?Call everyone on your center of influence and ask for a referral.If you are not calling them, someone else is!Complete a mini-business plan.. put it on 3x5 cards and carry it with you and review it daily. Burn these numbers into your subconscious mind. Make them a part of your daily life. Share with others your plan. Be committed to the plan and numbers!Days that you will workHours spent prospecting for houses and ownersHours spent cold callingHours spent on mail outsNumber of Buying Presentations to ownersNumber of houses under contractNumber of houses assignedNumber of closingsDo a buyer evaluation on 1 house per day. Look at the condition of the propertyLook at the market conditionsCheck the motivation of the seller Plan what you would offer and present to the sellerAttend a DFWREIN event at least twice per month.Feel inspired, motivated and better prepared to buy real estate.Meet people that are buying real estate on a regular basesDo an evaluation of each investor buyer you want to work with.Are they pre-qualified by a lender (hard money) or do you have a proof of funds letter from their bank?Have you pre-qualified them as to the type of house they want to buy and their motivation?Do you know what they consider a deal?Are they prepared to buy within the next 30 days?Are they previewing properties now?How do you contact them to send them new properties?Make sure you call every lead you have every day or two. Keep the lines of communication open. Talk the them about why this is the best time to sell.Put your selling cap on and be relentless!!!Publish your schedule for the next 90 days.Give a copy to your family and ask for their support in keeping you on this schedule.Post a copy in your office and carry one in your car.Stare at it everyday and Do It!Role play your conversations with sellers.Role play your telephone conversationsRole play your purchase presentationRecord your telephone conversation.Send tape to coach for evaluationRecord your purchase presentationSend tape to coach for evaluationFind an accountability partner you can talk to everyday.Create a strong accountability with your coach via emailCreate a strong accountability partner with someone else doing the same thing that you are doing.Do this today! Put some pressure on yourself to perform at a higher level.Make it happen now and use all the support you can to make it happen!Don’t slack off and do not make excuses.Totally emerge our mind in ideas and techniques.Imagine yourself in front of sellers and passionately saying your presentation.Read 15 min of a good book on real estate or motivation every day.If on any given day you do not have an appointment… find a for sale by owner and test out your skills. Remember it is a numbers game and this will work for you!Use the trigger cards on every presentation. Arrive at every purchase presentation 10 min. early and sit in your car and read through the script one or twice to create a mindset of a powerful purchasing investor.Learn to think big in terms of your plans, goals and dreams. Be a big thinker and learn to think beyond what we have today and start to dream about the possibilities of what could happen.Take a yellow pad and just simply put the words “plans, goals and dreams” and start listing out all of the things you would like to see happen in the next several years for you and your business. You have to be able to commit the thought in your head and write it down before you can start to make it a reality.When ready… write out a detailed business plan. Don’t worry about anything more than jotting down some of your ideas on a scratch pad… it is a start.Start writing out more specific changes that you want to make and some of the specific steps you will have to take to make them happen.Be creative and let your mind go and write down any and all the ideas that could support the plan that you have. Start aligning the ideas with the goals you have set.Set weekly, monthly and quarterly goals that are realistic.Most people fear writing down what has to be done because the question keeps popping up, “ what if I don’t do it?”. We know one thing for sure, “if you don’t write it down, it won’t happen.”Don’t let the negative thoughts of a few control your decision or your points of view. If an idea or a plan is not profitable for you, either rework the plan to make it profitable or replace the plan with a new one.Remember profit is why you are in business and how you stay in businessDon’t operate from fear. The fear of making a bad decisionWhen we operate from fear, we make poor decisions and poor decision always lean to losses.Face the fear, write a plan to overcome the fear and start executing the plan.You must keep up with market conditions and you must study the market and learn to deal with it. What is hot and what is not.Are prices declining or are they flat or on the rise?Which areas are selling the most and which are not?Eliminate as many of the time-consuming, tedious jobs as possible, so you can spend more time on finding leads.Your job is create production, not create paperwork.Make your decisions fast and stick with them.The easiest way to get discouraged is to sit on a decision or problem for days on end.If you are working on actual deals, they will require decisions quickly.Work on developing the habit now on making decisions.To maintain a high level of respect for yourself, make a decision and stick with it or your confidence will drop.There is nothing more frustrating than dealing with changing your mind or never making up your mind.Don’t have minimum standards … have maximum standards. Always over-qualify each lead.You can’t ask too many strong questions or a variety of questions.Never show desperation or you want to buy from them more than they want to sell to you.Be professional and tough—you are the boss and you are in control.Be over-trained on evaluation of houses. Learn all you can about the repairs of houses.Learn to monitor all the activities in the purchase and sale of your deals.This is your company, your deal, your asset and if you want to get paid it is up to you to monitor it.Don’t make decisions based on what the competition is doing or the emotions your are experiencing at the moment. Keep your emotion out of the deals.Your decisions and strategies should be based on your knowledge.You must become more efficient at building your business by prospecting.As you become a master of the scripts and dialogs, we become better listeners, as we become more conversational with the questions we ask.You become more intense in your work habits, your efficiency rises. As you become more efficient at prospecting, you can actually do less of it and get better results.You must become more efficient at your lead follow-up.With inefficient lead follow-up systems we miss and lose deals we should have had, which means we have to prospect more rather than less. Becoming better at lead follow-up is critical, and you have to learn to convert a higher percentage of the leads we had to appointments.Remember as you become more efficient at lead follow-up, less prospects will be needed.You have to become more efficient at converting purchasing presentations to contracts. The target for all our presentations should be a 75% conversion rate of appointments to contracts signed.You will have to work on your pre-qualifying scripts, become better at your presentation scripts, improve handling objections, and asking for the order. As you become better at these, your ratios will improve which means less time prospecting. Work on improving the quality of what you do. Remember we individually are the only ones who can control our mindset and are the only ones in charge of our future. Just get out and do it!5 Elements of a Useful Goal?SPECIFIC: Describes what you want to accomplish with as much detail as possible. ?MEASURABLE: Describes your goal in terms that can clearly be evaluated. ?CHALLENGING: Takes energy and discipline to accomplish. ?REALISTIC: A goal you know you are actually capable of obtaining. ?STATED COMPLETION DATE: Goals that break longer term goals into shorter pieces and clearly specify target completion datesRemember That The Most Expensive Education Is The Uneducated Investor! ................
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