I will be starting a series based on the questions that were asked during a panel discussion with Will Abriza, Sha Nacino, and myself, in the recent Manila leg of the Money Summit and Wealth Expo 2011. Due to time constraints, we all gave very short answers. I believe I was not able to say all that I wanted to. Aside from sharing my answers for the benefit of those who were not present, let me share additional thoughts through this series.

The first question

The first question asked by money Summit and Wealth Expo 2011 emcee Airick Daquioag went something like this:

“What was the “aha!” moment that made you decide to take action towards financial freedom?”

My answer

“I realized that I was literally killing myself because of my job and it was not worth it, even though I was making good money.  Just like Will, I started to realize this after reading the book “Rich Dad Poor Dad”, although it took some time before I finally took action. This was when I was diagnosed with hypertension at a relatively young age of 37 years old and I realized enough is enough and I just had to do something…”

The whole story

Why did I say “I was killing myself because of my job?” – In Filipino, this would be “Nagpapakamamatay ako para sa trabaho!”.

You see, way back in 2006, I ended up doing the job of 3 people. My department was supposed to have 5 people at full strength and all but one either resigned or transferred to other departments, including me, and I was the first to resign.

I resigned to work for a small IT consulting firm that had a better offer for me. While working there, my staff introduced me to the book “Rich Dad Poor Dad” by Robert Kiyosaki. But because of the almost daily trip to/from Marikina-Makati-Batangas, I quit after 7 months and returned to my old company. I even took a pay-cut just to get out of there.

Anyway, when I came back, I believed that it would be easy to get us back at full strength, or so I thought. But I did not mind because I loved my job.

That changed, however, when one morning I thought the world had turned upside down, literally. I woke up early that morning because I had  to attend a managers’ meeting, but when I stood up I immediately fell down to the floor. I did manage to get up and reach the bathroom by walking while holding on to the walls of our house.

I was able to get myself ready to go to work, and after vomiting a number of times, I drove myself to work and attended the meeting. After the meeting ended, that was the only time I said I did not feel well and when our company nurse checked my blood pressure, it was at 140 over 100, well above the normal levels.

I ended up at the emergency room and was later diagnosed with vertigo and high blood pressure.

A deeper concern

Looking back, I was really crazy and stupid to insist on going to the office even though I was obviously sick right? During that time, I felt that I loved my job but I was literally killing myself for it.

I still remember my thoughts during those days.

I felt angry because my job has already affected my health, and what would happen to my family if something happened to me?!

I love my family and I felt it was foolish for me to just let this happen and I really had to do something!

This goes beyond the basic need of spending more time with your family which others may think is a bit shallow.  It was a deeper concern where I wanted to be healthy and alive to take care of my family!

It was all about passion

In the book Rich Dad Poor Dad, Robert Kiyosaki defined passion as a combination of love and anger. I guess I was able to combine my own feelings of anger caused by what was happening to me, and my love for my family, into passion, which finally pushed me to take action.

Let me leave you with a quote from the book “The 4-Hour Work Week” by Tim Ferris which I read several years later but captured in essence what led to that aha! moment for me to take action.

“ Pure hell forces action, but anything  less can be endured with enough clever rationalization.”

How’s my health?

By the way, in a follow-up question I was asked “how’s your health?” I quickly answered that my ex-office mates often say I look younger and stress free when I visit them.

Yes, it’s true! Without the stress and a healthier lifestyle, I can definitely say I have managed my hypertension very well, and even my cardiologist can attest to this.

Up next

In the next part of this series, let me share my answer and additional thoughts about the question “There are different ways to make money in real estate like brokering, flipping, rentals, rent-to-own, buy and hold etc. Which one would you recommend and why?”

I look forward to sharing that with all of you next week.

In the meantime, what is your “aha!” moment?

I’m sure a lot of you out there are also on a quest for financial freedom and are planning to do this by investing in foreclosed properties (which led you to this site). Please share your “aha!” moments, thoughts, and reactions by leaving a comment below. Thanks!

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Photo credit: Aha!! by farleyj, on Flickr

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To our success and financial freedom!

Jay Castillo

Real Estate Investor
PRC Real Estate Broker Registration No. 3194
Blog: http://www.foreclosurephilippines.com
Follow me in Twitter: http://twitter.com/jay_castillo
Find us in Facebook: Foreclosure Investing Philippines Facebook Page

Text by Jay Castillo and Cherry Castillo. Copyright © 2011 All rights reserved.

Full disclosure: Nothing to disclose.

The "aha!" moment that made me decide to take action towards financial freedom is a post from: Foreclosure Investing Philippines

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*I have turned this into a sticky post for new visitors.

I was supposed to finish writing my “Goodbye and thank you to 2010, Hello 2011…” post, but ended up with this list of the best “How to” articles from Foreclosure Investing Philippines during the year that passed. After all, FIP is so much more than just listings of foreclosed properties and public auctions. I believe you also need to know how to invest in foreclosed properties and bank acquired assets.

I hope this list will help you get started on the right foot. Just in time for the new year right?!

Of course I won’t let 2010 go without counting the blessings that came my way, but for now, here’s a list of “How to” articles from 2010 that can help you get started with real estate investing in 2011:

How to keep the passion burning for real estate investing – 2011 has just started and I know you are all fired up and ready to take on just about anything to succeed with real estate investing. Even with a good start, challenges and problems will surely try to block your path to financial freedom, and how does one “Stay hungry and foolish”? This post aims to help take care of that.

How to turn listings of foreclosed properties into opportunities – So you’ve played cashflow 101 and you got out of the rat race by buying passive income generating real estate, including some foreclosed properties. However, one may realize that buying properties in the game is not as easy in real life. Read this to learn how to start finding those “opportunity cards” for real inside listings of foreclosed properties.

How passive income through real estate investing can lead to financial freedom – What exactly is passive income? Why do you need to start getting those passive income deals to get out of the rat race? Just how does one get out of the rat race faster? Read this to find out.

How to be a proactive real estate investor – We always hear people say “I can’t do this and I can’t do that because of this and that…I have no choice.”. Most of the time, we talk like this to ourselves, unless we begin to be proactive. This article tries to convince us to start believing that we always have a choice.

Are foreclosed properties good deals? – If you think that just because a property is a foreclosed property, then it is automatically a good buy, think again! Before you get started with investing in foreclosed properties, find out why it is often said that real estate investing is a numbers game.

4 reasons why we need to be financially literate real estate investors – More money is never the solution if the problem is lack of financial literacy. Learn how having financial literacy is the only way to get started with real estate investing, and how it also prevents you from becoming like most lotto winners, who lose their money fast.

How to compute for the ARV of foreclosed properties – Okay, so you found a foreclosed property and you want to make an offer, or you want to bid for it. But before anything else, you need to determine what it could be worth, this would help you calculate this.

How to compute for the Maximum Allowable Offer or MAO for foreclosed properties – After computing for a property ‘s “value”, you also need to determine at what maximum price you can pay for it, leaving enough room for you to make enough money and be happy.

How to compute for the projected costs for acquiring, carrying, and selling a property – But wait, how does one know that the estimated costs for buying and holding a property are accurate? One needs to make sure just how much it would cost to buy a property and also the related costs of holding it for the projected amount of time needed to sell it.

How to compute for Net Operating Income or NOI and find good investment properties – Rental properties are not all profit, there are operating expenses that will be incurred, and you need to consider these to get the NOI, and see if a property can really generate positive cashflow and passive income.

Instant gratification versus delayed gratification – Want to learn how practicing a little delayed gratification can help you get started with real estate investing? Read this!

How to find opportunities and get started with real estate investing – If you really want to get started with real estate investing, you need to learn how to see those opportunities and grab them. They can lead to a series of advantages and lead to even more opportunities.

2010 has passed and lessons have been learned, but I would like to say thank you to 2010 one last time.

Happy Investing!

Jay Castillo

Real Estate Investor

PRC Real Estate Broker Registration No. 3194
Blog: http://www.foreclosurephilippines.com
Follow me in Twitter: http://twitter.com/jay_castillo
Find us in Facebook: Foreclosure Investing Philippines Facebook Page

Text by Jay Castillo and Cherry Castillo. Copyright © 2011 All rights reserved.

PS. Don’t be the last to know, subscribe to e-mail alerts and get notified of new listings of bank foreclosed properties, public auction schedules, and real estate investing tips. Mailbox getting full? Subscribe through my RSS Feed instead.

FIP’s best of 2010 to help you get started in 2011 is a post from: Foreclosure Investing Philippines

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It’s hard to believe it’s already been a year since I first greeted you all here with a financial independence day greeting. This time around I would like to greet you all again by sharing a story of how an Information Technology professional was able to cross-over to Real Estate investing. I hope this inspires not just IT professionals but also just about everyone out there that it can really be done.

Cross-over: from IT to RE

(The Philippine Star) Updated June 11, 2010 12:00 AM

MANILA, Philippines – For Jay Castillo, crossing over from heading the IT department of a multinational company to investing in real estate seemed like a very big risk at first glance. But there’s no denying now that he’s enjoying real estate investing and making good money out of it.

Jay wanted to get his feet wet in real estate investing after reading Think Rich Pinoy by Larry Gamboa. He still had a lot of unanswered questions, though, on how exactly he could start investing. Fortunately, he was able to attend Urban Institute of Real Estate’s Investing in Real Estate Series. “I also attended Urban Institute’s Comprehensive Real Estate Seminar and Review (CRESAR) to gain knowledge in real estate and I also passed the real estate broker’s licensure exam a month after,” Jay shared.

At present, Jay continues to look for bargain and foreclosed properties to buy and sell. He is also considering buying lots where he can build townhouses which he could sell or rent out afterwards.

“This would be a big departure from what I did last year which was to buy and renovate foreclosed house and lots and then sell them through a rent-to-own scheme” Jay said.

According to Jay, the real estate business can be very lucrative if one focuses on bread-and-butter properties or single-unit houses and lots priced at P2 million and below. “These are the kinds of property many buyers are looking for.”

The other more saleable properties are single family homes below P2 million with 2-3 bedrooms, 1 toilet & bath, with a floor area of 50 to 60 square meters (sqm), and lot areas of around 100 sqm.

Jay’s first completed deal is always the most memorable for him. “For my first completed deal, I bought the property through an auction after many attempts in bidding for properties at public auctions and not winning anything. After I won a bid for the first time, I was very happy, but a feeling of anxiety also began to set in: “What if I am not able to rent out or sell this property?” “What if I encounter a problem with the title of the property, the taxes, the house’s structure, etc?”

His fears were unfounded after all. That property was a perfect example of a great investment as he was able to have it tenanted in just 55 days. “I learned so much from that deal,” he enthused.

One of the more important considerations a serious buyer asks is whether the property is flood-free and was not affected by Ondoy. “Of course, buyers would also want to know if the property is accessible to public transport and near their place of work, in a safe and secure location, and has good investment potential.

Is it true that to be able to sell a property, you must be able to fully explain or answer all the questions a buyer may ask? “Yes, and one also has to be able to answer sincerely,” replied Jay. “I credit Urban Institute of Real Estate for giving me the kind of training and know-how that gave me a lot of confidence in dealing with clients,” he added.

Jay believes that Filipinos have become more intelligent and discerning buyers seeking more value for money and looking for sound investments like real estate.

Before enrolling in Urban Institute, all Jay knew were general concepts on real estate investing but had no idea how exactly they can be done.

“At Urban Institute, I learned exactly how real estate transactions are conducted considering the laws, rules and regulation, taxation, etc. When there’s a difficult question I encounter, I can ask Urban c/o Engineer Enrico Cruz “Engineer Cruz has probably encountered just about everything there is in real estate investing so he is able to answer all of my questions quickly.” Cruz is the president of Urban Institute of Real Estate and has more than 40 years of working experience in the field of engineering, construction, real estate, and education.

(For details about real estate courses at Urban Institute, call 509-7402 or 796-8019, or CP# 0916-426-9174 or 0939-137-9242 or email at info@urbanet.ph or urbanet.ph@gmail.com.)

Article source: Philippines Star, June 11. 2010 (page C-3 on the printed edition)

Here’s a little trivia, if you will notice my picture on the printed edition, I appear to be very serious and somewhat concerned. This was because I was checking what was my maximum allowable bid as I had a lot of competitors who were also bidding for the same properties during this auction of UCPB foreclosed properties. I did not win in any of my bids for properties I was bidding for during that auction but I was able to win three months later with another bank. I guess persistence really pays off!

Happy financial independence day to all!

To our success and financial freedom!

Jay Castillo

Real Estate Investor
Real Estate Broker License #: 20056
Blog: http://www.foreclosurephilippines.com
Mobile phone (Call/SMS): +639178843882
Follow me in twitter:http://twitter.com/jay_castillo
Find us in Facebook:Foreclosure Philippines facebook page

Text by Jay Castillo and Cherry Castillo. Copyright © 2010 All rights reserved.

PS. Are you a new visitor? Click here NOW to start learning more about foreclosure investing in the Philippines

PPS. Don’t be the last to know, subscribe to e-mail alerts and get notified of new listings of bank foreclosed properties, public auction schedules, and real estate investing tips. Inbox getting full? Subscribe through my RSS Feed instead!

A financial independence day story: Cross-over from IT to RE is a post from: Foreclosure Investing Philippines

A guest post by Sha Nacino

For the past few weeks, I have been on a six-day work week. This set-up really drained my energy. Most importantly, it made it impossible for me to go home to our province, a 10-hour bus ride from Manila. I miss my family so much! How I wish I could go home and see my family as often as I want.

Last Saturday and Sunday, I had no work – a very rare chance! I wanted to go home to our province but I was already so tired, physically and emotionally. I just decided to have a laidback weekend where I could relax, sleep, eat, read, think, and write.

Image by Sha_Nacino

As I was reflecting, I noticed that there are so many interesting activities outside the confines of the corporate world. There’s toastmasters, a public speaking club that will help you develop your communication and leadership skills. There’s swimming, which is a good way to beat the heat. There’s travelling. Photography. Badminton. Running. Jogging. Volunteer work. And many more!

I engage in all these activities and more! You could just imagine how physically taxing that was.  Not only that, some of these interests could be expensive too!

I couldn’t juggle everything!

I want to do everything! Yet, I don’t have all the time and money to pursue everything at the same time. I have to cut down on some of these activities. Guess where most of my time goes? Yes, to my work because I spend at least 11 hours a day 5 days a week in the office (inclusive of travel time).

Does my work make me happy? Let’s just say that I love a lot of things about my employer – the culture, the people, the activities, its corporate social responsibility projects, its personality development programs, and interest clubs.

But if money were not an issue, I would definitely be somewhere else. Yet, I cannot resign just yet because my work is my bread and butter.

I need more time and money!

I want to have more time and more money at the same time.  I want to have as much time as I want to spend with my family and loved ones. I want to have more time to do volunteer work. I want to have more money to help our less fortunate countrymen. And I also want to have more money so I can do the things I want to do.

If I work overtime, I could increase my money but this also means less time for my family and other important things in life. How could I have more of both time and money?

What my mentors taught me

My mindset was limited because I knew only of one way to earn money – that was through my job in the corporate world. If I wanted to have more money, I needed to work overtime.  I need to work hard for money!

Then I met my mentor Robert Kiyosaki through his book “Rich Dad Poor Dad”. I was shocked when he said that I could earn as much as I want even without working! He termed this as passive income. He also advised me that instead of working for money, I could make money work for me.

Wow! I felt so liberated! If I could learn the art of earning passive income and of making money work for me, then I could have more time to spend with the persons that matter to me most and I could also have more money to use to help others.

When the student is ready, the mentor will come

Last August 2009, I attended the Think Rich Pinoy Seminar of Larry Gamboa, author of “Think Rich Pinoy”, “Grow Rich Pinoy”, and co-author of Trace Trajano in “Think Rich Quick”. This got me really interested in real estate investing.

I guess I was ready to learn more about real estate because a few months back, I met my real estate mentor Trace Trajano. Trace taught me and my team how to invest in real estate with little or no money down. Trace conducted his first ever Think Rich Quick seminar in March 27, 2010. After learning from Trace’s teachings, my team was able to sell a condominium unit in just six days! Trace is really a fantastic mentor!

Dedicated to your success,

Sha Nacino

Sha Nacino is Trace Trajano’s co-author for the book “Think Rich, Yuppies!”. Sha was also a former teammate of mine in the now defunct RYP Realty team.

Added on September 20, 2011:

Sha Nacino NOT connected with Trace Trajano

by Sha Nacino

This is to inform everyone that I am NOT anymore connected with Mr. Trace Trajano. I do not endorse him or any of his seminars and programs. I also do not intend to do any business with him moving forward.

We co-authored the book Think Rich, Yuppies which was published earlier this year. The book is our last project together and after the initial printed copies of the book are sold, the book Think Rich Yuppies will no longer be printed and distributed.

I have moved on. At present, I am writing books on personal financial management. I am also committed to continue writing many more books on financial management and other topics. If you have any comments, please email happysha.ph@gmail.com.

Source: http://seminarphilippines.com/2011/09/sha-nacino-not-connected-with-trace-trajano/

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Jay’s thoughts

In a nutshell, Sha just wants to be financially free, who doesn’t?! I totally understand where she is coming from as I used to be as busy as her, if not even busier. I am happy for Sha because she decided to take action and make concrete steps to be financially free.

Good luck Sha and to everyone on the same journey!

Added on September 20, 2011 - I’m also happy to see that you have also moved on, just like me, as mentioned here.

To our success and financial freedom!

Jay Castillo

Real Estate Investor
Real Estate Broker License #: 20056
Blog: http://www.foreclosurephilippines.com
Follow me in twitter:http://twitter.com/jay_castillo
Find us in Facebook:Foreclosure Philippines facebook page

Text by Jay Castillo and Cherry Castillo. Copyright © 2010 All rights reserved.

PS. Don’t be the last to know, subscribe to e-mail alerts and get notified of new listings of bank foreclosed properties, public auction schedules, and real estate investing tips. Inbox getting full? Subscribe through my RSS Feed instead!

A busy yuppie that wants to have more time and money is a post from: Foreclosure Investing Philippines

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Today we observe Philippine independence day. On June 12, 1898, the Philippine declaration of independence happened at the ancestral home of General Emilio Aguinaldo in Kawit, Cavite. I would like to greet all fellow Filipinos a happy and meaningful Independence Day!

How about our “Financial Independence”?

Much the same way as a declaration of independence was done in Cavite more than 100 years ago, I believe that we should also declare and proclaim to the world our goal of achieving financial independence. I would say that this is a defining moment in our quest for financial freedom. Without the declaration, we are not really clear on what our objectives are. After we declare it, the more we can focus on it.

This again is another insight from watching “The Secret” as mentioned in my previous post about achieving financial freedom. Following the Law of Attraction, declare and radiate to the world what you really, truly want, and the world will give it to you.

My declaration of financial independence and financial freedom

“I declare that I shall be financially independent by building at least Php60,000 in  monthly passive income before my 40th birthday through multiple streams of passive income from foreclosure investing, internet marketing, and other passive income opportunities.”

I really can’t remember when I started to declare this to myself and to the whole world. I guess what is really important is that I made the declaration, and doing so has left me no choice but to achieve it!

Now it’s your turn

How about you, have you declared your financial independence? I invite you to share them here for all the world to see through the comments section below. Wouldn’t it be nice to come back here someday to make a follow up comment saying “I did it, I am now financially independent…”

“Whatever the mind of man can conceive, it can achieve” – W. Clement Stone

Happy Financial Independence Day!

To our financial freedom!

Jay Castillo
Real Estate Investor
REBL#: 20056
Blog: www.foreclosurephilippines.com

P.S. – Migrating this blog to a self-hosted WordPress blog with no downtime and all permalinks intact has turned out to be more complicated than I anticipated and I may need another day or two before I make the switch.

A Financial Independence Day greeting from foreclosurephilippines.com is a post from: Foreclosure Investing Philippines

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I was inspired to write this post after I watched “The Secret” for the nth time and remembered a question made through a comment on my post Foreclosure Investing Is Not Really Just About The Money, It’s About Financial Freedom! where I was asked “Is it really achievable that you will be financially free in real estate investing?”. 

“Whether you think you can or you can’t, either way, you are right” - Henry Ford

I was very quick to answer with a resounding yes to that comment.

However, while watching the video and when the quotation above flashed on the screen, I thought to myself that maybe the late Henry Ford had a more accurate answer.

The reason I say this is because more often than not, the answer to similar questions really depend on ourselves, on what we believe.

If we believe that we can accomplish one thing, then there is a great chance that that we will, especially if that belief is accompanied by passion and action.

On the other hand, if we believe we can’t, that is usually enough to hold us back and we can’t succeed because we won’t even try.

I know how that feels. Had I been asked the same question 4 years ago, I would have had a different answer. I would have probably said I can’t make real estate investing work along with a lot of reasons and excuses.

Obviously, I was able to change that mindset. Otherwise you won’t be reading this blog as it would not exist at all.

It really took a long time for me to change my perspective and I’m glad I was able to do so.

I could say I was lucky and life pushed me to the right direction or maybe I am just very passionate about this quest of mine as my wife would often say. Whatever it was, I am just happy that I can now say that it really is possible to gain financial freedom from real estate investing. I know this from experience.

No, I am not yet financially free, but I truly believe that I shall be financially free soon*.

*Update: I already got out of the rat race and the next challenge is to make it permanent!

Do you want to join me on my journey? Believe that it can be done, have faith, and take action. Let me leave you with another quote below which I also got from watching “The Secret”. I hope it inspires you.

“Take the first step in faith. You don’t have to see the whole staircase, just take the first step.” - Martin Luther King Jr.

To our success and financial freedom!

Jay Castillo

Real Estate Investor
Real Estate Broker License #: 20056
Blog: http://www.foreclosurephilippines.com
Mobile phone (Call/SMS): +639178843882
Follow me in twitter:http://twitter.com/jay_castillo
Find us in Facebook:Foreclosure Philippines facebook page

Text by Jay Castillo. Copyright © 2010 All rights reserved.

PS. Are you a new visitor? Click here NOW to start learning more about foreclosure investing in the Philippines

PPS. Don’t be the last to know, subscribe to e-mail alerts and get notified of new listings of bank foreclosed properties, public auction schedules, and real estate investing tips. Inbox getting full? Subscribe through my RSS Feed instead!

Is it really possible to gain financial freedom through real estate investing? is a post from: Foreclosure Investing Philippines

At least that’s the way I look at it. My purpose for making money through foreclosed property investing is not really just about having lots of money or getting rich, its about having the freedom to do the things that are truly most important in life, without worrying about where to get money to provide for my family.

Don’t let life pass you by while “working hard”

As I write this, I have a four year old son who is growing rapidly right before my eyes and I would rather be a father that is always there for him, than one who is always working hard in an office somewhere, confined to having weekends and short vacations as free time to spend with my family.

I tell you, spending the best years of your life “working hard” is not worth it when you realize that life is really passing you by.

Why I want to be financially free

The past decade in the corporate world has made me realize this, where earning a “living” is actually causing too much stress that is literally killing me softly.

This is the reason why a little more than 2 years ago, just after I was diagnosed with hypertension, I made a decision that I will get out of the so called rat-race as soon as possible and achieve financial freedom.

The goal is to have more than enough money in the form of passive income to sustain us without the need for a job.

I would rather have money and happiness

Money may not be everything but money absolutely affects everything that we hold dear in life!

I often hear people say that money is not important as they believe that happiness and family is more important.

But if you think about it, how the heck can you be happy if you don’t have the money to feed your family?!

I would rather have both, money and happiness!

Live life to the fullest now!

Life is short and I want to make the most of my life by living life to the fullest now, while I am at the prime of my life, not when I am sixty or sixty five years old.

The naysayers would often say that what I’m saying is impossible and we have no choice but to work hard, guess what, these words often become a self fulfilling prophecy.

I for one know for a fact that it can be done because I am doing it right now, which is what I am sharing to all of you through this blog about foreclosed real estate investing.

There is no need to defer life and happiness

Happiness does not have to be deferred. It just takes courage to act.

More than a year ago I gave myself a deadline and said to myself that I shall have financial freedom before my 40th birthday. Guess what, I am turning 40 this December 2009.

So far I am on track with my goals, I have already closed one deal for 2009, thank God!!! One down, three more to go! Makes me look forward to what lies ahead and it gives the saying “Life begins at 40″ a whole new meaning for me!

I would love to share a lot more “emotional why’s”, a term I borrowed from Bo Sanchez that refers to the big enough reasons why we would want to succeed in an endeavor, but I guess I will probably have to do so in another post in the future, I seem to get too emotional just thinking about them.

How about you, why are you into foreclosure investing? Are you in it just for the money? If not, care to share?

Do you want to start investing in foreclosed properties? Enter your e-mail address below and keep yourself updated with foreclosure listings, public auction schedules, and real estate investing tips!

Do you have a friend who wants to start investing in foreclosures and could use some help? You can also share this to them through e-mail, just use the add-to-any button below.

Foreclosure investing is not really just about the money, it’s about financial freedom! is a post from: Foreclosure Investing Philippines