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Loan Application Loan application Common Mistakes to Avoid Home buying mistakes can be avoided, you need to know what some of them are. Getting a Loan Follow these steps prior to applying for your home loan. The Mortgage Loan Application A few minutes of preparation can save you hours of hassle, here's the list of what you will need. Interest Rates Lock in your rate with confidence, after you have read these facts. Loan Approval What constitutes as loan approval in Denver? Earnest Money Why is it necessary to pay earnest money before I buy the house? Closing Costs Home buying costs vary by region, here are sample costs for Denver. Down payment for a mortgage Learn about the various allowable sources to obtain your down payment. What is PMI? PMI, do you really need it? FICO Scores FICO scoring is a standard, you need to understand the basics to protect your credit! The steps to getting a VA Loan The steps to getting a VA loan, do you need one? What does it take to get one? Reverse Mortgages Reverse Mortgages have many benefits for older home owners. Financial Glossary It's important to understand the language of finance. search Denver Real Estate Site Loan Application No one likes surprises (except on birthdays and Christmas!) By looking the at the attached loan application you can determine what information the lender is going to require of you. Loan Application HINT: if you plan on printing it out, legal size paper is what you need. Of course it is a "government document" what else would you expect??? :) Using my handy Loan Application Checklist will help to organize the documents you need. A Word or two of caution: When transmitting personal information over the Internet, be sure you know who you are sending it too. Shady folks are always thinking up ways to be evil...mailing the application, faxing or better yet hand delivering to a trusted, local lender is best. Continue to Steps to a VA loan . [ Click Here for More ] Home Buying Directory Buyer Broker Down Payment How to Qualify for a Mortgage Loan Application Locking in Interest Rate Earnest Money Loan Application Checklist Fico Scores Moving List Moving Pets What is PMI? Finance Glossary Financing Your Home Reverse Mortage Home Buying Process Closing Costs Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog
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house rent in Blues Music - Compare Prices and Online Stores at BizRate Log in to your account Bookmark this page! Home Home & Garden Computers Clothes Toys Electronics Kids Jewelry Music All Departments I'm shopping for in All Departments Music Blues Music ---------------------- Special Offers Store Ratings Welcome to BizRate.com's free comparison shopping site! We help you find the best deals on the biggest selection of products from all of the top-rated stores. Compare products, read reviews, and compare prices to make sure you quickly find the right product at the right price every time! Shop smarter at BizRate. Home > Music > Blues Music > house rent Email This Page Search took 0.009 of a second. house rent in Blues Music Not what you're looking for? See Other Matches for “ house rent ” house rent in Blues Music Artist John Lee Hooker Sunnyland Slim Various Artists Format CA Price Range Under $10 More Stores BestPrices.Com CD Quest CD Universe CDconnection.com J&R Music and Computer World Overstock.com eBay More Sort by: Best Match Price Low-High Price High-Low Product Rating << Choose at least two products to compare. Check to Compare House Rent Boogie Artist: John Lee Hooker Released: 2001, Format: CD… $13 to $20 Found at 6 stores Check to Compare House Rent Party Artist: Sunnyland Slim Released: 1993, Format: CD… $10 to $13 Found at 5 stores Check to Compare House Rent Party Artist: Various Artists Released: 1998, Format: CD… $7 to $17 Found at 3 stores << Choose at least two products to compare. Related Searches in Blues Music House Rent , Girls Go Wild , Www.Stevie.Ray.Vaughan.Com , Girl Go Wild , Harmonica , Hooker Furniture , Theodis Ealey , Johnny Watson , Guitar Chicago , Johnny Walker Blue , Harmonicas , Juke Boxes , Blues Cds , Blues Greatest Hits , Stevie Ray Vaughn , Statesboro , Bellys , Royal Albert Memory Lane , 1950 Music , The Music Of Mississippi John Hurt , Taj Mahal , More Stores Selling Blues Music (Sponsored Links) Blues Music Download Favorite Albums or Songs. Get It All On iTunes from Apple! www.itunes.com Overall Rating: Not Yet Rated Blues Music A Great Gift Idea for the Holidays Buy it Now from Time Life Online www.timelife.com Overall Rating: Not Yet Rated Home For Rental Arizona Rental homes purchase, no money down options, bad credit loans ok. creative-financing-solutions.com Overall Rating: Not Yet Rated Yahoo! Music Unlimited Rent Music Find, play & share. Get it now! music.yahoo.com Overall Rating: Not Yet Rated The Movie RENT - Store Soundtrack and Gear from the official RENT Store. www.rent.shopthescene.com Overall Rating: Not Yet Rated Young Blues & Swing Star Listen/buy CD. Dave Gross played with Duke Robillard, Debbie Davies. www.davegrossband.com Overall Rating: Not Yet Rated Rent homes Find Bargains On Rental Housing Affordable - Rent homes www.rentalhousing.net Overall Rating: Not Yet Rated I'm shopping for in All Departments Music Blues Music ---------------------- Special Offers Store Ratings See the 2005 Circle of Excellence Winners! Home | Your Account | Help | About BizRate.com | Privacy Policy | User Agreement | Jobs Merchant Login | Merchant Listings and Advertising | Ratings and Research | Affiliates BizRate International - BizRate UK | BizRate France | BizRate Germany Check out our new site, Shopzilla.com - Take a Tour | Online Shopping Shopzilla International - United Kingdom , France , Germany Thank you for shopping online at BizRate © 2005 Shopzilla, Inc.
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San Diego real estate, MLS real estate listings, San Diego County real estate San Diego real estate San Diego county real estate - San Diego homes San Diego real estate Search the San Diego MLS San Diego real estate source San Diego real estate . . .Buying, selling, relocating . .to INSURE the BEST POSSIBLE DEAL Use the expertise of Bob Schwartz, Certified Residential Specialist Cell/Pager: 619-300-8819 Home office: 619-286-5604 *This site is continually (usually twice weekly) updated. Just Listed! San Carlos - Cosmetic Fixer! SAVE TENS OF THOUSANDS 4Br./2.5Ba.+Fam. Rm 1,800+Sq.Ft. . Click Here for more info on this San Carlos home Westerly Sunset Views Value Ranged just $499,000 to $529,000 San Diego local real estate facts . Sellers - Expose your property to over 96 Times more traffic than most real estate sites! 17,341 Unique visitors in March '05 San Diego county real estate - San Diego homes San Diego real estate Search the San Diego MLS San Diego real estate news that affects you ! San Diego Neighborhood real estate activity Certified Residential Specialist --- The'inside' secret to your BEST real estate deal! San Diego Home appreciation San Diego CA real estate value growth San Diego California Population Growth San Diego Communities Real estate San Diego - Hi-Tech marketing California Real Estate Prices San Diego (92120) Average Residential Detached sales price Nov. 2005 -- $ 632,434 (Source:S.D.A.R.) Calif. median home price - Oct. 05: $538,770 (Source: C.A.R.) Calif. highest median home price by C.A.R. region Oct. 05: Santa Barbara So. Coast $1,225,000 (Source: C.A.R.) Calif. lowest median home price by C.A.R. region Oct. 05: High Desert $315,870 (Source: C.A.R.) Come surf the San Diego California real estate market with the assistance of Bob Schwartz , a C ertified R esidential S pecialist with 27 years experience Bob & his long board. In surfing, selecting the right board is very important. When buying or selling real estate, selecting the right real estate professional is even more important! Many times, your real estate transaction is going to be the largest monetary decision you'll ever make! This is not something you want to trust to just anyone! Bob Schwartz, Certified Residential Specialist Just 5% of all Realtors have earned this coveted nation designation! San Diego real estate table of content s Sellers -Expose your property to over 96 Times more traffic than most real estate sites! www.brokerforyou.com Summary by Month Month Monthly Totals Visits Pages Files Hits Mar 2005 17341 41148 238856 309153 Feb 2005 14726 34034 221890 281081 Jan 2005 15353 35013 239054 295682 San Diego rentals For San Diego rental information on these rental and others, visit the free San Diego rental & sale photo site at: San Diego for sale by owner Find YOUR San Diego Dream Home Get FREE local real estate news ! 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Featuring La Jolla real estate Del Mar real estate Encinitas real estate The expertise of Bob Schwartz, real estate broker , Certified Residential Specialist = Your BEST POSSIBLE Deal Buying or Selling San Diego real estate Contact Information Bob Schwartz Telephone: Toll-Fre e : Only for sale/purchase real estate inquires: 1-866-895-3715 Cell/Pager: 619-300-8819 Home office: 619-286-5604 fax: 619-229-0048 Postal address: Brokerforyou c/o Bob Schwartz 7966 Laurelridge Road, San Diego CA 92120 Electronic mail: ***Privacy Policy*** We will NEVER release, sell or give any of your information to any other party or organization. You will only receive requested information or updates and only from us. SAN DIEGO REAL ESTATE INTERNET WARNING: The Internet is a great source for information, but can never be a substitute for 27 years of actual real estate experience! California real estate sales, with their myriad of disclosure laws, makes for one of the most complicated sales transactions. 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Del Cerro, Santee, La Mesa, San Carlos Epson inkjet cartridges View our partner real estate websites Best Real Estate website Award Click here to apply for this FREE real estate website award. San Diego Excellent Website Award ... is presented to those San Diego websites whose web content provides useful, instructive information, shows superior design and has achieved levels of excellence deserving of recognition Click here to apply for this FREE San Diego California website award. Web Genie Website Award is presented by search engine placement - Promotions Unlimited San Diego real estate source = brokerforyou.com San Diego real estate broker, Bob Schwartz is a Certified Residential Specialist and is active in San Diego residential sales throughout San Diego County. Just a few of the San Diego communities Bob is active in are: San Carlos - La Mesa - Fashion Valley - Mission Valley - Point Loma - Pacific Beach - Clairemont - North Park - Hillcrest - Mission Hills - Kensington - San Diego State College -Santee - El Cajon - Lakeside - Allied Gardens - Del Cerro
Real Estate Investing Abbreviations
Real Estate Investing Abbreviations - REIClub Free Investing Books, Audios - Click Here to View Receive 5 Free Bonuses! Click Here to Subscribe! Site Navigation Investor Information Home Investing Newsletter Real Estate Articles Success Stories Recommended Reading Free Investing Books Investing Glossary Investing Abbreviations Community Tools Real Estate Chat Room Chat Room Schedule Real Estate Forums Newsgroup Forums Beginners, Carlton Sheets Bird Dogs, Wholesaling Foreclosures, Short Sales Sub2, Lease Options Rehabbing, Landlording Financing, Hard Money Asset Protection, Legal Commercial, Mobile Homes Real Estate Marketing Product Catalog Best Sellers All Investing Products Real Estate Audios Real Estate Books Real Estate Courses Real Estate Ebooks Real Estate Forms Real Estate Software Real Estate Videos Course Specials Investor Services Miscellaneous Real Estate Seminars No Risk Guarantee Investor Resources Real Estate Clubs Cash Flow Clubs Hard Money Lenders State Property Codes Tax Appraisal Districts Investor Referrals Business Tools Real Estate Forms Investor Network Ads Real Estate Classifieds Site Information Advertising Rates Advertiser Login Link to REIClub Contact REIClub Real Estate Investing Abbreviations REI Abbreviations AFD - Agreement For Deed AITD - All Inclusive Trust Deed APR - Annual Percentage Rate ARM - Adjustable Rate Mortgage ARV - After-Repaired Value BOR - Board of Realtors CAD - County Appraisal District Cap - Capitalization CCIM - Certified Commercial Investment Member CCR - Conditions, Covenants, and Restrictions CFD - Contract for Deed CLTV - Combined Loan To Value CMA - Comparative Market Analysis COCR - Cash on Cash Return COF - Cost of Funds COO - Certificate of Occupancy CRB - Certified Residential Broker CRE - Creative Real Estate CRS - Certified Residential Specialist DBA - Doing Business As DCR - Debt Coverage Ratio DOS - Due On Sale Clause DOT - Deed of Trust DSCR - Debt Service Coverage Ratio FCRA - Fair Credit Reporting Act FFE - Furniture, Fixture, and Equipment FHA - Federal Housing Administration FHLMC - Federal Home Loan Mortgage Corporation, Freddie Mac FMR - Fair Market Rent FMV - Fair Market Value FNMA - Federal National Mortage Association, Fannie Mae FRBO - For Rent by Owner FSBO - For Sale by Owner GMAC - General Motors Acceptance Corporation GRM - Gross Rent Multiplier HELOC - Home Equity Line of Credit HML - Hard Money Lender HOA - Homeowners Association HUD - Housing and Urban Development HVAC - Heating, Ventilation and Air Conditioning IRA - Individual Retirement Account IRC - Internal Revenue Code IRR - Internal Rate of Return IRS - Internal Revenue Service L/O - Lease Option L/P - Lease Purchase L/S - Landlord Seller LIBOR - London Interbank Offering Rate LLC - Limited Liability Company LOC - Line of Credit LOI - Letter of Intent LP - Limited Partnership LPOA - Limited Power of Attorney LTV - Loan to Value MAI - Member Appraisal Institute MAO - Maximum Allowable Offer MIP - Mortgage Insurance Premium MLS - Multiple Listing Service MUD - Municipal Utility District NAR - National Association of Realtors NIV - No Income Verification NNN - Triple Net Lease NOD - Notice of Default NOI - Net Operating Income NOO - Non-Owner Occupant O/F - Owner Finance OO - Owner Occupant P&S - Purchase and Sale PITI - Principal Interest Taxes Insurance PMI - Private Mortgage Insurance POA - Power of Attorney PUD - Planned Unit Development REI - Real Estate Investing / Real Estate Investor REIA - Real Estate Investors Association REIT - Real Estate Investment Trust REO - Real Estate Owned ROI - Return On Investment RTO - Rent to Own SFH - Single Family House SFR - Single Family Residence Sub2 - Buying property subject to existing financing T/B - Tenant Buyer TAA - Texas Apartment Association TAR - Texas Association of Realtors TIL - Truth In Lending TREC - Texas Real Estate Commission UBIT - Unrelated Business Income Tax UCC - Uniform Commercial Code VA - Department of Veterans Affairs / Veterans Administration Back to Top Forum Abbreviations AFAIK - As Far As I Know AFK - Away From Keyboard AKA - Also Known As BBIAM - Be Back In a Minute BFN - Bye For Now BRB - Be Right Back BTW - By The Way CUL - See You Later FYI - For Your Information G2G - Got to Go IMHO - In My Humble Opinion IMO - In My Opinion LMAO - Laughing My Ass Off LOL - Laughing Out Loud NT - No Text ROFL - Rolling on the Floor Laughing ROTFLMAO - Rolling on the Floor Laughing My Ass Off TIA - Thanks In Advance Back to Top Privacy | Terms of Use | View Cart 2002-2004 All Rights Reserved. REIClub.com
foreclosure property, is now
Amazon.com: How to Make Money Buying Pre Foreclosure Properties Before They Hit the County Courthouse Steps: The Complete Guide to Finding and Buying Pre-Foreclosure Properties: Books Your Store Books See All 32 Product Categories Your Account | Cart | Wish List | Help | Advanced Search | Browse Subjects | Bestsellers | The New York Times® Best Sellers | Magazines | Corporate Accounts | Amazon Shorts | Bargain Books | Used Books | Textbooks Search Amazon.com Books Web Search This item is not eligible for Amazon Prime, but over a million other items are. Join Amazon Prime today. Already a member? Sign in . 7 used & new from $76.95 Have one to sell? A9.com users save 1.57% on Amazon. Learn how . See larger image Share your own customer images Publisher: learn how customers can search inside this book. How to Make Money Buying Pre Foreclosure Properties Before They Hit the County Courthouse Steps: The Complete Guide to Finding and Buying Pre-Foreclosure Properties (Paperback) by Thomas J. Lucier (9 customer reviews) Availability: Available from these sellers . 7 used & new available from $76.95 Other Editions: List Price: Our Price: Other Offers: Paperback Order it used! Editorial Reviews Book Description Before Thomas J. Lucier wrote the first edition of How To Make Money Buying Pre-Foreclosure Properties Before They Hit The County Courthouse Steps in 1989, he was making time consuming and costly mistakes. The mistakes were inevitable; no one had written a book on how to buy pre-foreclosure properties, so Tom had to learn the hard way from his own mistakes and first hand experiences. All of the advice that he received said: "buy property on the county courthouse steps after it has been foreclosed on." But Tom eventually learned to avoid those costly courthouse-bidding wars by buying directly from property owners whose mortgage loans are in default and facing foreclosure. And the book that didn’t exist back in 1985, when Tom bought his first pre-foreclosure property, is now in its fourth revised edition. The newly revised fourth edition of How To Make Money Buying Pre-Foreclosure Properties Before They Hit The County Courthouse Steps was released on October 1, 2003, and is comprised of fourteen meaty chapters that are packed chock-full of step-by-step instructions, ready-to-use information and practical, no-nonsense advice. You’ll learn: 1. The difference between judicial and non-judicial foreclosure. 2. How the short payoff sale acquisition technique works. 3. How to get subordinate or "junior" lienholders to discount their liens by fifty percent or more. 4. How to use foreclosure notices to find all of the property owners in your county whose loans are in default and facing foreclosure. 5. How to use direct mail to contact property owners whose loans are in default. 6. How to perform due diligence on pre-foreclosure properties. 7. How to quickly verify loan information with foreclosing lenders. 8. How to accurately estimate the current market value of a pre-foreclosure property. 9. How to negotiate with property owners whose loans are in default and facing foreclosure. 10. How to properly prepare your purchase agreements and protect your interests when buying pre-foreclosure properties. 11. How to package, market and resell pre-foreclosure properties for maximum profit. 12. How to do a thorough pre-buy property inspection. 13. What you need to know about your state’s foreclosure statute when buying pre-foreclosure properties. How To Make Money Buying Pre-Foreclosure Properties Before They Hit The County Courthouse Steps has a fourteen-page chapter on the much-ballyhooed short payoff sale acquisition technique. The problem with ninety-nine percent of the short sales hype that’s currently being foisted onto an unsuspecting public, by unscrupulous real estate hucksters peddling overpriced courses and boot camp seminars, is that it’s based on misinformation, half-truths, distortions and outright lies. And unfortunately, all of this hype has fueled unrealistic expectations on the part of would-be short sale investors, who’ve been led to believe, that every lender in America will approve a short payoff sale, at the drop of a hat. Tom Lucier gives you the unvarnished truth about short payoff sales, along with detailed, step-by-step instructions on exactly how the short payoff of a mortgage or deed of trust actually works. How To Make Money Buying Pre-Foreclosure Properties Before They Hit The County Courthouse Steps comes complete with the following ready-to-use worksheets, letters, checklists, notices, forms and agreements: 1. Short payoff sale checklist. 2. Sample notice of lis pendens. 3. Sample notice of default. 4. Loan breach letter. 5. Borrower’s letter of authorization to release loan information. 6. Foreclosure lawsuit worksheet. 7. Notice of default worksheet. 8. Due diligence checklist. 9. Property tracking worksheet. 10. Short payoff sale proposal letter. 11. Six sample letters to owners in foreclosure. 12. Loan worksheet. 13. Sample HUD 1 Settlement Statement. 14. Sample Fannie Mae broker’s price opinion. 15. Request for mortgage or deed of trust estoppel letter. 16. Subordinate lienholder worksheet. 17. Current market value worksheet. 18. Letter to private mortgage or deed of trust lender. 19. Letter to subordinate lienholders. 20. Thirteen property inspection checklists. 21. Owner interview worksheet. 22. Purchase agreement. 23. Walk-around property inspection checklist. 24. Buyer's closing checklist. 25. Daily repair cost worksheet. 26. Outgoing telephone message. 27. Participating broker agreement. 28. Assignment of purchase agreement. Contrary to popular belief, you don’t need a degree from Harvard Law School in order to make money buying properties directly from owners whose mortgage or deeds of trust loans are in default, and about to be sold on the county courthouse steps at a public foreclosure auction sale. Granted, finding, researching, inspecting, negotiating, buying and reselling pre-foreclosure properties is a lot of hard work. But it can be a very lucrative line of work if you really know what you’re doing, are well organized, and have the persistence that’s necessary to be a profitable investor. And, unlike the roving weekend real estate carnies, late-night, cable-TV hucksters, Internet real estate whiz kids, and a certain Harvard Business School graduate posing as a "real estate savant," Tom Lucier doesn’t claim to know-it-all, and you’ll never hear him promise to make you a pre-foreclosure property millionaire within the next thirty days. The simple fact remains that no real estate investment strategy will work unless you do! From the Publisher This newly revised fourth edition of the first book ever published on how to buy properties directly from owners whose mortgage or deed of trust loans are in default and facing foreclosure, was released on October 1, 2003! See all Editorial Reviews Product Details Paperback: 140 pages Publisher: Home Equities Corporation; 2nd edition (October, 1993) Language: English ISBN: 094534306X Product Dimensions: 1.2 x 10.2 x 11.5 inches Shipping Weight: 2.1 pounds. Average Customer Review: based on 9 reviews. ( Write a review. ) Amazon.com Sales Rank: Today: #337,845 in Books Yesterday: #332,142 in Books (Publishers and authors: improve your sales ) Other Editions: Paperback | All Editions Customers interested in this title may also be interested in: Sponsored Links: What is this? Pre - Foreclosure Profits How-to for beginners, veterans: 35-50% discount, little competition www.PropertyForeclosure.com Pre - Foreclosure Listings Daily updated pre foreclosure listings with phone numbers www.defaultresearch.com Make 10,000+ Per Month Automatic System to Make Money Start within 15 mins from now! www.AutomaticMoneyVault.com Feedback Spotlight Reviews Write an online review and share your thoughts with other customers. 30 of 31 people found the following review helpful: How to Make... , February 20, 2004 Reviewer: Disgusted (USA) - See all my reviews If you look over the positive reviews, you notice they are all written by commonly named individuals with no location listed. Furthermore, all of the comments use the same verbage and contain similar idiosyncrasies. Someone tell the author or the author's friends to stop writing positive reviews to boost sales. Instead, use that time being wasted to do some research and write a decent book. Was this review helpful to you? ( Report this ) Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 10 of 11 people found the following review helpful: A Very Satisfied Reader In Los Angeles, CA , March 1, 2004 Reviewer: Clyde (Los Angeles, CA) - See all my reviews This is the absolute best book ever written about buying property directly from owners in foreclosure! The chapter on short payoff sales is just plain brilliant! No fluff, no filler and no white spaces! Was this review helpful to you? ( Report this ) 8 of 11 people found the following review helpful: Rudimentary , February 26, 2004 Reviewer: "mjm1005" (Colorado) - See all my reviews This book is pretty basic and not worth the money. Lucier must be trying to make money on the book and not on in real estate. A real disappointment. Was this review helpful to you? ( Report this ) 30 of 35 people found the following review helpful: Basic , July 13, 2003 Reviewer: This book could be replaced with 2 hours of internet research. Many of the pages just list websites and "worksheets" that are used as filler. Was this review helpful to you? ( Report this ) 26 of 34 people found the following review helpful: BEGINNERS BOOK , March 19, 2003 Reviewer: This book is a beginners book it truely does not get indepth into what happens and how to deal with the bank on short sales or buying the note. Was this review helpful to you? ( Report this ) 3 of 8 people found the following review helpful: How To Make Money Buying Pre-Foreclosure Properties , February 22, 2003 Reviewer: paul wells (Henderson, NV-USA) - See all my reviews Thomas Lucier has created a unique opportunity for anyone, anywhere, reguardless of past experience or knowledge reguarding Real Estate, Investing or Sales ability to take his material, read it, digest it and then apply what they have learned, and create a business that not only results in financial rewards for you as an investor, but puts you in a position of becoming a problem solver by helping people who truly need help,that do not know how to solve their problems,or even where to turn. His information gives you a straight forward step by step approach, from beginning to end, and is loaded with invaluable resources such as agreements, documents, and web sites that will give you the exact information you need to initiate and complete a successful transaction from the very begining through completion. When was the last time you paid for something you saw advertised or heard about that you purchased , just to find the hype and promotion proved to be overdone and the product was a dissapointment? Happens all the time. The invaluable information and knowledge you will gain from Thomas Lucier will last you the rest of your life and you will feel GUILTY that you paid so little for it. Get it in your hands as quickly as you possibly can, and apply it, because I promise you, opportunities are never lost......some one will take the ones you miss! Was this review helpful to you? ( Report this ) See all 9 customer reviews... 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