Brings you information and methods to help improve your financial future.


To start building wealth, most people simply need to change their mentality. 
MoneyDecisions101 will open your mind to help you focus on your financial future.


The collapse/correction of the United States real estate market continues. Read more about it here. 


MoneyDecisions101 => Real Estate

If you want to become financially successful, the first step is not to rent. Talk about throwing money away, renting is one of the worst things you can do. Instead of renting, you should purchase your own home.

The basic steps in purchasing a home: establish yourself a good credit score, put some money back for a down payment, and then plan to purchase a home/start looking. 
Why? Simply put... real estate builds wealth.

You see... in most cases, real estate (that is in most middle to upper class neighborhoods) increase in value. Remember this: with real estate, the most important factors are location, location, location! Do not let anyone tell you any differently or convince you otherwise.

Location has a very important role in the value of property. Think about it. Would you want to live in a dirty, run down, high crime area? Well neither does most people. So when you start looking for a home, be sure to choose an area that is coming up and not an area that is going down. Try to purchase a home in a neighborhood where people take care of their lawns and things look nice. Not only will you have peace of mind, security, and good neighbors, your property value will not suffer in the future.

Note: Appearance has a large effect on property value and people's minds! 
Ugly property brings in the bad and drives out the good people. Pretty property brings in the good and forces out the bad. 

This is a VERY IMPORTANT concept! 
You can read more about this in Mental Images section (remember, your mentality is what determines your life in this world).


There are many good books on the market about real estate investing. Even if you are only going to purchase a home (your primary residence), it may be wise for you to purchase a few books to educate yourself on some basic real estate concepts such as foreclosures, ARM's, and PMI. After all, a few $30 books may help you save ten of thousands dollars later.

Right now, the United States is having a terrible, EXPECTED collapse/correction of it's real estate market. Looks like quite a few people became greedy with real estate. You can read more about it here.
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