THE BIG SCORE Easy Way To Success

THE BIG SCORE Easy Way To Success

HENRY KROLL

e-Book

Maverick Publishing

HOUSTON, TEXAS

THE BIG SCORE Easy Way To Success

HENRY KROLL

DISCLAIMER

This publication is designed to provide accurate, authoritative information regarding the subject matter covered. It is sold with the understanding that the publisher and author is not engaged in rendering legal, accounting, or other professional service. If legal service or other expert service is required, the services of a competent professional should be sought. This book is sold for information purposed only.

HENRY KROLL

THE BIG SCORE Easy Way To Success

HENRY KROLL

INTRODUCTION

“Today is the first day of the rest of your life”

You have taken the first step in a journey, which is your life by buying this book. I cannot help you however, if you are unwilling to make a few changes. If you are not willing to do anything don not read any further because it is a waste of your time. Throw it away and keep on doing what you were doing before you bought this book or give it to someone who is willing to change their life for the better.

When I started writing this book, one young man I knew who worked in a lumberyard said to me: “I hear you’re writing a book on how to get rich? I read your book, but money is not where it’s at with me. I’d rather be happy!”

Someone once said, “Ignorance is Bliss!”

This attitude of not wanting to learn things and not wanting to better their lives pervades much of our society today. Money may not be where it’s ‘at’, but it can allow you to create and do things that you wouldn’t a chance of doing otherwise. It can also help get more enjoyment out of life.

When you can fly to the Bahamas, and step aboard your private yacht, and stay for a month or two without worrying about your business. "THAT’S LIVING!" Or when you step into your Lamborghini and call your friends to arrange a meeting at the ski lodge in Aspen, or Hawaii. "THAT’S LIVING!" Some people can handle money and not let it handle them.

Fear of fear itself is what stops the majority of people from succeeding. The fear of learning, the fear of doing new things, and the fear of change is what stop's the rest. Knowledge can set you free.

Just as I was finishing this book, a young man called me on his cell-phone while driving his Mercedes on the San Diego Freeway.

He came from a poor family of American Indian extraction, and has no college.

How can a twenty-year-old call me from his Mercedes? This doesn’t make sense to me, I thought.

Then he told me he started his own business putting a plastic tint on windows to save money on air conditioning costs for his customers. He said he had two employees and that it is not difficult to make a lot of money. He also said he was attending real estate school, and to accomplish this he had to sever all ties with his relatives.

I told him I was writing a book on this very subject.

He was impressed, and encouraged me to complete it. HENRY KROLL

THE BIG SCORE Easy Way To Success

HENRY KROLL

CONTENTS

1. Self Analysis and Settling Marital Disputes 4

2. Saving Money and Getting a Good Deal 10

3. Finding a Lawyer 23

4. Business Consultants 28

5. Live Longer and Lose Weight 35

6. How and Where to Buy a Home 44

7. How to Keep Your Money 49

8. How to Stop Paying Taxes Legally 64

9. Investment Strategies 76

10. How to Get Out of Debt 83

11. Trading Secrets 97

12. Street Smarts 102

13. How to Find a Life-mate? 111

14. How to Survive a Depression 118

15. How to Start and Stay in Business 127

16. Your Retirement and What The future Holds 133

17. Where to Go On Vacation and to Order Books 140

THE BIG SCORE Easy Way To Success

Chapter One

Solving Marital disputes and Self Analysis

How to Solve Marital Disputes—Are There Problems? How to Acquire a Positive Mental Attitude

My favorite aunt from Wisconsin says that when things are not right between her and her husband, they sit down together and talk about it. Either the husband or the wife gets a chance to talk for a full half hour without the other spouse saying a word. They then part and don’t talk about it until the next day after both have had a chance to think about it.

I like this system because it lessens the emotional tension between the couple and gives each partner time to arrive at intelligent solutions. You must first have enough mutual respect to be able to listen. A certain amount of maturity is also needed.

If this system fails, don’t give up; seek the services of a professional problem solver, like a marriage counselor. The fees of a counselor will be less than a divorce settlement. Don’t forget to consider your children before .you rush off to the counselor. Try mutual respect, flowers, candy and a mini-vacation to a nearby hotel.

You might not like what you are about to read. One of the hardest things you will ever have to do in life is look at yourself. You have to look at your personal habits. Look at your friends and associates. Look at your excuses for not going to work. Listen to yourself reason why something cannot be done. Self-analysis is not easy, but it’s very necessary for anyone desiring to be a success. If you want success badly enough you may have to change your lifestyle.

Have you ever seen people who will attempt a job several times and consistently fail at it for one reason or another? Many failures are due to self-sabotage. People put up roadblocks in their lives that stop progress. I once knew a young college student who stayed at a friend’s house ten miles from the college. The house was on top of a mountain and when winter set in the roads became icy and he couldn’t get back and forth, so he flunked out.

We all do these things subconsciously. This self-limitation or self-sabotage can take many forms. The following are some of the excuses people use to stop themselves from being a success:

1. Lack of education.

2. Unable to communicate with others.

3. Low self-esteem, self-confidence.

4. Race, handicap or sex preference.

5. Drug or alcohol dependencies.

6. Dependents; (i.e. sick mother or relative).

I find that most people’s problems are caused by a lack of maturity which leading to unwillingness to take responsibility for their own actions.

To be a success you may have to modify your life style. You have to take responsibility for your own actions. The reason you are where you are at this very moment is due to your own actions. Once you become consciously aware of this then you can do something about it. To do this may require some things you are not willing to do. Ask yourself the following questions and change your life accordingly. If their questions don’t work, get some success motivation tapes to increase your efforts. Get yourself moving!

Do you go to the tavern immediately after work and slug down a couple of cocktails or beers with the boys? Go to an alcoholic’s rehab. What do your friends talk about? You can always tell a loser, because they put down other people. Are the people in the tavern with you successful in their line of endeavor? Success for you may mean not seeing your old drinking buddies and choosing new friends. Go to the opera or the golf curse. Associate with wealthy people; find out what they do and how they live. Get to know more wealthy people. Some of them may want to invest in your business corporation later. You can meet a lot of nice people on a golf course.

What time to you get to work in the morning? Are you ever late? You might try some self-improvement classes in your line of work and climb to the next higher pay level in your present occupation. Listen to self-improvement tapes on your car stereo on your way to work. Getting up a few extra hours earlier and gaining added knowledge can mean the difference between success and failure. Try boosting memory powers with B vitamins if all else fails.

My daughter, who recently boosted her grade point level from a 3.1 to a 4.0.

She explained to me the secret of her success was time management. She said get a good schedule and stick to it. She said her schedule was just about perfect for her now, and it even allows free time to spend with her boyfriend.

How much time do you waste each day? You can listen to self-improvement tapes on your Walkman while you are riding the subway or the bus to work. You can find ways to use your time better. Stop associating with failures and acquire a positive self-motivated life style. Get a hobby to vent off stress if necessary. A hobby can also expand your mental capacity. Some hobbies that might give you more self-confidence are boxing, tennis, guitar, piano, swimming, pool, etc. Your brain is like a muscle. The more you exercise it, the stronger it gets. If people bother you or the place you live depresses you, change things. You are the master of your own life.

I recommend that you get one or two self-motivation courses.

What can it hurt? Make up your mind to be truthful and honest for the rest of your life in all your affairs. Never talk about or berate other people and take pride in what you do. Do your work to the best of your abilities and take pride in it. Never complain or blame other people for your failures.

If you are broke and don’t have a job go out and get one. Have your resume typed. Put everything in it you can do, and have done in the past. Get hundreds of copies of it made and take them around to prospective employers. You can get a job! Success is a state of mind; without it you will not succeed.

Man is a social animal. While you are golfing or yachting, closely observe how rich people carry themselves. They walk with a self-confident stride, speak grammatically correct English, and exhibit impeccable manners. Their jokes, and speech patterns are very different from those of slum dwellers.

In regard to your personal manners, you will more easily be able to strike up a conversation if you watch your speech patterns and sit up straight in your chair. Look people straight in the eye and don’t be ashamed of yourself. You have nothing to be ashamed of, you just have to learn to walk and talk like people who are self-confident and proud of who they are instead of a person who is ashamed of his past. Never slump in your chair during meetings or job interviews, set up straight and look self-controlled. Cultivate a charismatic presence exuding an aura of self-confidence.

People will feel confident in investing in your business because they know you are a compatriot.

Psychologically, it has been proven that poverty breed's poverty. Sometimes you have to break the chains even if it means leaving the family and going out on your own. If you maintain good posture and sit and stand straight and tall, no one will suspect you are from a poor family. It could also improve your sex life. Become user friendly with your home computer. If you do not have a computer apply for a job that offers computer training. Study a foreign language. Use success tapes and language tapes in your car stereo while commuting to and from work.

This book is about achieving happiness in a world without direction. If you are unwilling to make any kind of commitment to your marriage or life in general then you cannot succeed and you will die miserable and alone. I cannot help you unless you are willing to take the first step. If you are unwilling to do anything to better yourself throw this book because it is a waste of time for you to read it. Give it to someone else who is willing to change his or her life for the better.

Chapter Two

Saving Money and Getting a Good Deal

I need to mention at this point another legal loophole that allows you to save money. It’s called the CCF or Capital Construction Fund. Check with your CPA before setting one up. If you want to save money for any new business. You are allowed to take a certain percentage of your income out tax deferred, and put it in an interest bearing savings account for the specific purpose of buying that business.

Look at it this way. If people didn’t get ahead and start small businesses, the good old USA would not be the big, rich, powerful country that it is. You are not being less patriotic by taking advantage of these loopholes. So you have saved a few dollars and you want to retire and not have the IRS grab it all or you want to start a business to make more money. You need a piece of land or rental unit to depreciate off your taxes. Maybe you need a small warehouse space for office and small manufacturing.

Let me show you a whole new way to look at innovative financing. When economic times are tough, that is when the best economic opportunities are available for the movers and the shakers. When economic times are tough, all you need to do is look around you in any big city and you will see buildings and real estate that have mortgages that are behind in payments to banks. Also check the tax foreclosure lists in the newspapers. When times are tough, there are many empty buildings in the cities.

You look around and find several places that will meet your needs or requirements, and then find out who owns the buildings. To do that, you simply get the street addresses, go to City Hall and look up the owners on the tax records. Write their names and addresses down and find out if they are behind on their taxes and how far behind. Look up the names of the businesses on storefronts, check stockbrokers for reports of chain restaurants that may or may not be behind on rent payments. Talk to managers of businesses in the buildings. You can usually find the bank that is financing the building after a day or two.

Now is the time to contact the owner. You know his tenants are not keeping up with their rent payments and he or she is behind on the mortgage. If he or she wants to get out from under the mortgage obligation with their credit rating still intact, you might suggest selling at a loss and write down a rough agreement as to the terms of the sale for your own records. You can write up any proposal you want depending on the severity of the financial situation. Get the owner to agree to it verbally. He will go for it if pressed enough.

The next step is the big one. You call to the president of the bank and make an appointment. First, wear your banking clothes. It won’t hurt to read Molloy’s Dress for Success beforehand. You sit down and explain that you would like to buy the building and take over the payments, but due to the extremely hard economic times, the rents are too high and the mortgage payments are out of range.

If the bank is in trouble and has too many outstanding loans on real estate in that area, he will listen to you and keep an open mind to any sane proposal. You might suggest cutting the rent by a third, filling up the building and having the bank discount its mortgage by one half and rewriting the loan for you. You then explain that the alternative is to foreclose on the present owners, spend thousands on legal fees, destroy the present owner’s credit rating and try to sell the property on a distressed market for less than half of the mortgage value. After legal fees, when all is said and done, the bank would only get about twenty to twenty-five percent of its money back. By coming into the picture, you are actually doing the bank a favor. .

Give the bank a week to think it over and leave your phone number. Get back together with them the next week. If economic conditions are bad enough, you can negotiate with banks. Yes, they do discount mortgages and make deals. Anything to keep the money coming in is good business for them.

Let me give an example of a property I purchased four years ago. I knew the owner personally; let’s call him Sam. He had a business partner who involved him in a corporation. His partner stole all of the funds and ran up bills in the corporate name, and then disappeared. Sam was left responsible for all the bills. Sam refused to pay them, but under corporate law, he was responsible to pay. The IRS put a lien on all of Sam’s property for $1,500. A fish plant in Seattle put a second lien on all of his property for $5,000. The Department of Labor jumped in and put a lien on all property for $700 and a bank had a lien on it for $12,000.

I had the owner call the fish company in Seattle and he agreed to discount his lien by half to $2,500 because he felt Sam was really only responsible for half of the bill. We sent him a check for $2,500 and got a letter back a couple of weeks later releasing the $5,000 lien on the property.

Before I had sent the check to Seattle, we went to the bank and got a letter from it agreeing to take monthly payments of $500 and knock the principal amount of the lien down to $10,000. The IRS lien was already two years old so we let it ride for a year. After three years, they are removed from property anyway. I paid for the title search, got the deed in a new corporation name and paid the $700 owed to the Department of Labor. I verbally agreed to pay Sam a large balance because I felt it was only fair, however, I could have gotten away with a lot less if he hadn’t been my friend.

There are many types of creative financing, but keep in mind your no-money-down king, Ed Beckley, went bankrupt. Be sensible and make the deal that best suits your needs. When times are tough economically, conditions are better for you.

Remember, the tougher the deal you make with the bank, the more respect you will gain from the bank president. You will gain recognition as a person who knows how to manage money. This will make it easier for you to borrow from them in the future. If you have a banker friend ask him for a list of properties that are in trouble. Even if he is not your friend ask him anyway.

Now you are about to acquire some property. How do you set it up so that if the business fails you will not loose everything?

How do you keep personal investment to a minimum? How do you protect assets from creditors and free yourself from liabilities on business debts?

You have worked ten or twenty years getting where you are now. It’s time to play what if? It is not fun to see ten or more years of your life be wasted because a little something went wrong. Think about it. Think about fifteen hard working years of your life being wasted in a couple months, and on top of that your credit at the bank and the store. I know what it’s like because it happened to me. That is why I am writing this book, so maybe you will read it and avoid what I went through.

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