Back to "Rich Dad Poor Dad" by Robert T. Kiyosaki.
"One dad said, 'The reason I'm not rich is because I have you kids.' The other said, 'The reason I must be rich is because I have you kids.' " page 15
Sounds like my dad:
"Do you think money grows on trees?"
"Do I look like I'm made of money?"
"You kids don't appreciate any thing!"
"We can't afford it."
All negative thoughts.
I decided early in my life that I wouldn't have any kids until I was wealthy enough to give them a better life than I had growing up. I don't mean that as harshly as it sounds. My parents did their best with the knowledge that they had.
They were from that old school thought that to make money, you had to work harder and longer. My dad worked in a factory making parts for GM. At one point, he also had two part-time jobs as well. Once, when the United Auto Workers (UAW) union went on strike against General Motors, he had to go down to apply for food stamps. Even though I was young, I remember the look of shame in his eyes every time he went to a grocery store and had to pay with those food stamps.
Working so much finally caught up with him. He got sick one winter, but kept working. He finally ended up in the hospital with pneumonia. He was in the hospital for about a month. I remember a huge fight that he had with my mother after he came home from the hospital. One of the earliest memories that I have of them arguing. Mom wanted to go to work and dad didn't want her to. As I said, he was old school. He felt that it was the man's place to work and the woman's place to stay home and take care of the house. Mom won that argument after pointing out that he would only get sick again (or worse) if he kept working so many hours.
But even with both of my parents working, we weren't that well off financially. We had a nice little house and food on the table, but my parents bought many of clothes from Good Will. I don't mean to knock that charity, either, so don't send me hate mail! They do a wonderful job. But wearing hand-me-downs and second hand clothes caused me a lot of teasing in school. We couldn't afford to buy the latest trends and styles, so many of the other kids chose to pick on me and treat me like dirt. And I hate that school to this day, but that's another story.
When my dad started at the factory, he worked in the plastics department making fan blade cowlings. It's that big hunk of plastic that goes around the fan blade in front of the radiator, for those with older cars. Newer cars had the engine sideways and don't have that big cowling. Anyway, the combination of breathing melted plastic fumes, years of heavy smoking, the scarring from the pneumonia, and just being over worked and over stressed took it's toll on my dad. He died about a month and a half after his 49th birthday.
So I decided that I wasn't going to be like my dad. I wouldn't bring a child into this world until I was financially secure. Silly me. Life has a way of laughing at foolish statements like that! We were doing alright financially when our daughter was born, but we weren't wealthy by any stretch of the imagination. But my wife had been saving her money, so she bought a small tobacco shop. It's not making the kind of money that she thought it would, but we get by.
We've also been discussing buying investment properties. So many people that we know are making extra money by buying new houses to move into while renting out their old houses instead of selling them. I have formed joint ventures with two different real estate investors and we're currently looking at properties. I plan to make some offers this week.
Point is, I'm not wealthy, but I will be for the sake of my child. It's a mind set. Do you sit and complain about not having money, or do you go out and do something about it? Change your way of thinking and you can do wonders.
Saturday, July 18, 2009
Problems of a Home Based Business
The biggest problems with a home based business is getting people to take your work serious. My thinks that all I do all day is play on the computer. I can't get her to understand that I'm working.
Really. I am.
Honest.
Ignore the Peggle game currently on the screen.
The other day, I spend the afternoon on Yellow Pages making up a list of Realtors that I wanted to contact. I had the office address, the Realtor's name, and when I could find it, the Realtor's phone and email address. I had to call the office, in most cases, to get the fax number. Spent most of the day doing this, so it was after 7 PM when I decided that my list was large enough.
Okay, so maybe I should have been contacting people as I found the numbers. But I went with the massive response approach. I emailed about 30 Realtors on my list with the type of properties that my partner and I are looking to purchase. I then faxed the same information to the office in hopes that other Realtors that I missed with the email would see my information and contact me.
I said, essentially, "I have a joint venture with nationally known real estate investor Pat Martin. We have a $55 million line of credit and we are looking for distressed properties that have little or no equity that are in need of a short sale with a minimum value of $420,000.
"We are cash buyers. We can provide a proof of funds letter from an attorney and title company with our offer. We guarantee your 6% commission if we purchase the property. Our team of former loss mitigation specialists will do all the negotiating on the property.
"Since we are buying the property in cash, we would then ask you, the Realtor, to find a buyer for the property at the price we decide, which will be well below market value so that the property will sell quickly."
Great, huh? Who wouldn't want to close more deals and make more money? Especially in this current market?
Apparently no one.
Not one call. Not one email. Not even from the Realtors that personally know.
So now I have to spend another following up with phone calls to find out if anyone received my messages. If so, why didn't I receive any responses? Was it just another piece of junk mail to them? Did they like the offer, but didn't have a line on any short sales? Or have they just heard it all before?
Back to my story. When I finished with the emails and faxes, I went over to Realty Trac and looked at some bank owned REO properties. For those that don't know, REO means Real Estate Owned. These are properties that the bank has foreclosed on, they went to auction, and since no one made a minimum bid, the bank was forced to buy the property back. They now own the property. The bank is in the business of lending money, not owning property, so they now need to sell these properties. Local Realtor's then get the listing to sell these properties.
Sometimes, an investor can get the REO properties below market, depending on how long the bank has owned the property and how willing the bank loss mitigator is to get the property off the bank's books. With the flood of foreclosures and about a ten month supply of homes, many banks are willing to negotiate.
But my wife thinks that I'm just playing on the computer. If I'm not out of the house and at the Post Office, then I'm not really working. It's all just play.
Let's see how that tune changes when I get paid!
Really. I am.
Honest.
Ignore the Peggle game currently on the screen.
The other day, I spend the afternoon on Yellow Pages making up a list of Realtors that I wanted to contact. I had the office address, the Realtor's name, and when I could find it, the Realtor's phone and email address. I had to call the office, in most cases, to get the fax number. Spent most of the day doing this, so it was after 7 PM when I decided that my list was large enough.
Okay, so maybe I should have been contacting people as I found the numbers. But I went with the massive response approach. I emailed about 30 Realtors on my list with the type of properties that my partner and I are looking to purchase. I then faxed the same information to the office in hopes that other Realtors that I missed with the email would see my information and contact me.
I said, essentially, "I have a joint venture with nationally known real estate investor Pat Martin. We have a $55 million line of credit and we are looking for distressed properties that have little or no equity that are in need of a short sale with a minimum value of $420,000.
"We are cash buyers. We can provide a proof of funds letter from an attorney and title company with our offer. We guarantee your 6% commission if we purchase the property. Our team of former loss mitigation specialists will do all the negotiating on the property.
"Since we are buying the property in cash, we would then ask you, the Realtor, to find a buyer for the property at the price we decide, which will be well below market value so that the property will sell quickly."
Great, huh? Who wouldn't want to close more deals and make more money? Especially in this current market?
Apparently no one.
Not one call. Not one email. Not even from the Realtors that personally know.
So now I have to spend another following up with phone calls to find out if anyone received my messages. If so, why didn't I receive any responses? Was it just another piece of junk mail to them? Did they like the offer, but didn't have a line on any short sales? Or have they just heard it all before?
Back to my story. When I finished with the emails and faxes, I went over to Realty Trac and looked at some bank owned REO properties. For those that don't know, REO means Real Estate Owned. These are properties that the bank has foreclosed on, they went to auction, and since no one made a minimum bid, the bank was forced to buy the property back. They now own the property. The bank is in the business of lending money, not owning property, so they now need to sell these properties. Local Realtor's then get the listing to sell these properties.
Sometimes, an investor can get the REO properties below market, depending on how long the bank has owned the property and how willing the bank loss mitigator is to get the property off the bank's books. With the flood of foreclosures and about a ten month supply of homes, many banks are willing to negotiate.
But my wife thinks that I'm just playing on the computer. If I'm not out of the house and at the Post Office, then I'm not really working. It's all just play.
Let's see how that tune changes when I get paid!
Asset vs. Liability
"One believed, 'Our home is our largest investment and our greatest asset." The other believed, 'My house is a liability, and if your house is your largest investment, you're in trouble.' " page 15
"Rich Dad Poor Dad"
by Robert T. Kiyosaki
I listen to a lot of investment shows on the radio. Last weekend I heard a guy talking about this on his show. It may have been Steve Davis with Lifestyles Unlimited. The talk show host was explaining the difference between assets and liabilities.
Assets put money into your bank account.
Liabilities take money away from your bank account.
So he asked the question, "Does your house put money in your pocket every month or does it take money from your pocket every month? It takes it away, doesn't it? So your house is a liability, it's not an asset."
And as most of us know now, that is what helped get us into our countries current financial situation. Too many people thought that their house was a great way to get rich quick. Buy as big a house as you can with a low interest only loan with a balloon payment, a low introductory adjustable rate mortgage, or some other hybrid loan, and sell a year or two later when the price had appreciated before the balloon payment came due.
Then the top of the roller coaster was reached and home prices started on the downward slide. Now too many people are upside down on their loans, owing more than the current value of the property. They can't refinance to avoid the balloon. The people with the adjustable mortgages can't refinance to get a better rate. Very few, if any can sell just to break even, much less make a profit as they hoped.
A home is just a place to live. It was never intended to be an investment, though it often turns out that way when you sell after living in the property for years. Common wisdom states that a property doubles in value every ten years.
Let me say that again, properties, on average, double in value every ten years.
That's it. We, as a nation, should have known that we were in trouble when speculators started buying properties in hopes of selling them in a few months to make a profit. And for some, that worked out well. But now, just as with the Savings and Loan fiasco of the 1980s, too many speculators just walked away from properties that they couldn't sell. They let the banks take the properties back and they wrote a loss in their balance sheet.
While regular people just trying to get ahead got the shaft.
I say that last statement because, yes, some people jumped on the speculation band wagon and got burned, but many people just bought a house they could afford. Now with the financial shake out, most businesses are cutting jobs, downsizing, right sizing, going out of business. Too many people that had no aspirations of making a killing in the market, but just wanted a nice place to live are losing those houses because they can't afford the payment any more because they don't have a job because too many loans went bad.
Banks have to borrow money to lend money. I know, that sounds crazy, but it's true. Banks borrow money from the government and other banks to lend to consumers. But with so many bad loans on their books, they can't borrow any more money. So they can't lend money. If businesses can't borrow money to run their business, they have to cut back or close their doors. Which leads to unemployment, which leads to people that were laid off missing their payments, which leads to foreclosure, which leads to more loans going bad.
It's one huge Catch 22.
Um, I was rambling, as I so often do. What was my point? Oh, yeah. Your house is a liability not an asset. Sure, you get a break on your taxes for the interest paid. And there is appreciation when you eventually sell. But think about all the other expenses involved with owning that house, mainly repairs. The air conditioner/heater needs to be replaced, the water heater needs to be replaced, broken windows, roof, painting, siding, plumbing, electrical, the list goes on and on.
Live in your house, don't use it to increase your wealth.
"Rich Dad Poor Dad"
by Robert T. Kiyosaki
I listen to a lot of investment shows on the radio. Last weekend I heard a guy talking about this on his show. It may have been Steve Davis with Lifestyles Unlimited. The talk show host was explaining the difference between assets and liabilities.
Assets put money into your bank account.
Liabilities take money away from your bank account.
So he asked the question, "Does your house put money in your pocket every month or does it take money from your pocket every month? It takes it away, doesn't it? So your house is a liability, it's not an asset."
And as most of us know now, that is what helped get us into our countries current financial situation. Too many people thought that their house was a great way to get rich quick. Buy as big a house as you can with a low interest only loan with a balloon payment, a low introductory adjustable rate mortgage, or some other hybrid loan, and sell a year or two later when the price had appreciated before the balloon payment came due.
Then the top of the roller coaster was reached and home prices started on the downward slide. Now too many people are upside down on their loans, owing more than the current value of the property. They can't refinance to avoid the balloon. The people with the adjustable mortgages can't refinance to get a better rate. Very few, if any can sell just to break even, much less make a profit as they hoped.
A home is just a place to live. It was never intended to be an investment, though it often turns out that way when you sell after living in the property for years. Common wisdom states that a property doubles in value every ten years.
Let me say that again, properties, on average, double in value every ten years.
That's it. We, as a nation, should have known that we were in trouble when speculators started buying properties in hopes of selling them in a few months to make a profit. And for some, that worked out well. But now, just as with the Savings and Loan fiasco of the 1980s, too many speculators just walked away from properties that they couldn't sell. They let the banks take the properties back and they wrote a loss in their balance sheet.
While regular people just trying to get ahead got the shaft.
I say that last statement because, yes, some people jumped on the speculation band wagon and got burned, but many people just bought a house they could afford. Now with the financial shake out, most businesses are cutting jobs, downsizing, right sizing, going out of business. Too many people that had no aspirations of making a killing in the market, but just wanted a nice place to live are losing those houses because they can't afford the payment any more because they don't have a job because too many loans went bad.
Banks have to borrow money to lend money. I know, that sounds crazy, but it's true. Banks borrow money from the government and other banks to lend to consumers. But with so many bad loans on their books, they can't borrow any more money. So they can't lend money. If businesses can't borrow money to run their business, they have to cut back or close their doors. Which leads to unemployment, which leads to people that were laid off missing their payments, which leads to foreclosure, which leads to more loans going bad.
It's one huge Catch 22.
Um, I was rambling, as I so often do. What was my point? Oh, yeah. Your house is a liability not an asset. Sure, you get a break on your taxes for the interest paid. And there is appreciation when you eventually sell. But think about all the other expenses involved with owning that house, mainly repairs. The air conditioner/heater needs to be replaced, the water heater needs to be replaced, broken windows, roof, painting, siding, plumbing, electrical, the list goes on and on.
Live in your house, don't use it to increase your wealth.
Friday, July 17, 2009
Taxes and New Policies
The investors that I have partnered with in our joint ventures have given me the homework assignment (yes, even adults get homework) of reading "Rich Dad Poor Dad" by Robert T. Kiyosaki. I just finished reading the introduction and the next few posts are just some thoughts about what he has to say.
The issue that I have has a copyrighted date of 1997, but what I am reading seems current and would apply to events happening today. This appears to me to be proof that truths about money and investing are eternal for those that know them.
"Money is not taught in schools. Schools focus on scholastic and professional skills, but not on financial skills. This explains how smart bankers, doctors and accountants who earned excellent grades in school may still struggle financially all of their lives. Our staggering national debt is due in large part to highly educated politicians and government officials making financial decisions with little or no training on the subject of money." Page 14
"My two dads had opposing attitudes in thought. One dad thought that the rich should pay more in taxes to take care of those less fortunate. The other said, 'taxes punish those who produce and reward those who don't produce.' " Page 15
"One dad believed in a company taking care of you and your needs. He was always concerned about pay raises, retirement plans, medical benefits, sick leave, vacation days and other perks. He was impressed with two of his uncles who joined the military and earned a retirement and entitlement package for life after twenty years of active service. He lived the idea of medical benefits and PX privileges the military provided its retirees. He also loved the tenure system available through the university. The idea of job protection for life and job benefits seemed more important, at times, than the job. He would often say, 'I've worked hard for the government, and I'm entitled to these benefits.' "
"The other believed in total financial self-reliance. He spoke out against the 'entitlement' mentality and how it was creating weak and financially needy people. He was emphatic about being financially competent." page 16
Okay, I'm not a very political person, but some times I get on my soapbox. It's true that our national debt has risen probably beyond the level that we can ever hope to pay back. The last administrations policies only increased this burden. But the current administrations plans to increase these debts even further without plans to harness or control those debts is scary at best.
My wife owns a tobacco shop. Neither of us smoke and when she said that she wanted to buy this shop, I asked, "why?" It made no since to me. She was doing nails at the time and she said that in times of financial trouble, people stop getting their nails done, but they don't stop drinking or smoking. Nice thought.
Not being smokers, we had no idea that the state of Texas has put a $10 a carton tax on cigarettes, which is $1 a pack, on January 1, 2007. We bought the store in April 2007. The previous owners showed us their sales and they were pretty even for the three years of records that they showed us. After we had been in the shop for a few weeks, I finally figured out how to access the computer records and I estimated that sales had dropped about 24% after the tax went into effect. I then went on the internet and found out that sales across the state of Texas had dropped about 22% because of the cigarette tax.
So when the Obama administration said that they were going to increase the State Children Health Insurance Program (S-CHIP) with an increase in tobacco products, and the increase in taxes to the affluent or rich, she had a fit, to say the least. I was surprised at first, because she doesn't seem to pay attention to the news or even notice what the government is doing.
For those who haven't read my bio, my wife is Vietnamese. She was born and raised in Hai Phuong, just outside of Hanoi. She spent her whole life in a Communist country before coming to America in 2002.
She wanted to know why the government would increase taxes at a time when sales in most businesses were down and many businesses were struggling to stay open. She expected another drop in sales from the tax, but what really surprised me was what was really upsetting her was the government's insistance on increasing benefits to people.
I thought she was upset about the tobacco tax increase, which was concerning me, but it was the increase in taxes to wealthy people that was setting her off. To be honest, we are not wealthy. Not by a long shot. Her tobacco shop is barely breaking even and I figured that this last tax increase would kill us, but we're still making ends meet. Barely.
No, what was bothering her was the government's insistance that the wealthy had a "moral obligation" to take care of those that aren't wealthy and were planning to punish people for trying to improve their lives. She said that if the government just gave people things, why would they go out and work to get those things for themselves?
If you know that the government is going to tax you for making money, why make more money? Just make enough to pay your bills. Why open more businesses and create more jobs when the government is just going to punish you for it?
It must be from growing up in a Communist country, but she had a pretty good perspective on the situation. She said that when governments take from the rich and give to the poor, everyone gets lazy and stops working. The rich don't want to be punished, so they stop producing. The poor have no reason to work because the government will take care of them and usually takes away their benefits for making money over a certain threshold.
Okay, that's a long way to explain that Robert Kiyosaki nailed it when he said, "Taxes punish those who produce and reward those who don't produce." This statement could be applied to today's financial situation just as much as it was over ten years ago when he wrote it. Granted, ten years isn't that long, but we've gone through a market collapse of tech stocks in 2000 and the current mortgage crisis and the government is trying to play Robin Hood in the middle of it all. As I said, I usually don't get involved in politics, but it seems to me that the government should reign in the budget and focus on decreasing the debt, putting the country on a better financial footing before taking on all this new debt that can only lead to more taxes.
And when you are totally reliant on the government for every need, you have people standing in a swamp after a hurricane yelling at the TV cameras, "Where FEMA?"
Okay, I'll get off the soapbox before someone shows up with a rope. I don't know about you, but it makes me want to say the heck with it and go back to bed. Maybe my wife is right about people getting lazier...........
"Rich Dad Poor Dad: What the Rich Teach Their Kids About Money - That the Poor and the Middle Class Do Not!" by Robert T. Kiyosaki
The issue that I have has a copyrighted date of 1997, but what I am reading seems current and would apply to events happening today. This appears to me to be proof that truths about money and investing are eternal for those that know them.
"Money is not taught in schools. Schools focus on scholastic and professional skills, but not on financial skills. This explains how smart bankers, doctors and accountants who earned excellent grades in school may still struggle financially all of their lives. Our staggering national debt is due in large part to highly educated politicians and government officials making financial decisions with little or no training on the subject of money." Page 14
"My two dads had opposing attitudes in thought. One dad thought that the rich should pay more in taxes to take care of those less fortunate. The other said, 'taxes punish those who produce and reward those who don't produce.' " Page 15
"One dad believed in a company taking care of you and your needs. He was always concerned about pay raises, retirement plans, medical benefits, sick leave, vacation days and other perks. He was impressed with two of his uncles who joined the military and earned a retirement and entitlement package for life after twenty years of active service. He lived the idea of medical benefits and PX privileges the military provided its retirees. He also loved the tenure system available through the university. The idea of job protection for life and job benefits seemed more important, at times, than the job. He would often say, 'I've worked hard for the government, and I'm entitled to these benefits.' "
"The other believed in total financial self-reliance. He spoke out against the 'entitlement' mentality and how it was creating weak and financially needy people. He was emphatic about being financially competent." page 16
Okay, I'm not a very political person, but some times I get on my soapbox. It's true that our national debt has risen probably beyond the level that we can ever hope to pay back. The last administrations policies only increased this burden. But the current administrations plans to increase these debts even further without plans to harness or control those debts is scary at best.
My wife owns a tobacco shop. Neither of us smoke and when she said that she wanted to buy this shop, I asked, "why?" It made no since to me. She was doing nails at the time and she said that in times of financial trouble, people stop getting their nails done, but they don't stop drinking or smoking. Nice thought.
Not being smokers, we had no idea that the state of Texas has put a $10 a carton tax on cigarettes, which is $1 a pack, on January 1, 2007. We bought the store in April 2007. The previous owners showed us their sales and they were pretty even for the three years of records that they showed us. After we had been in the shop for a few weeks, I finally figured out how to access the computer records and I estimated that sales had dropped about 24% after the tax went into effect. I then went on the internet and found out that sales across the state of Texas had dropped about 22% because of the cigarette tax.
So when the Obama administration said that they were going to increase the State Children Health Insurance Program (S-CHIP) with an increase in tobacco products, and the increase in taxes to the affluent or rich, she had a fit, to say the least. I was surprised at first, because she doesn't seem to pay attention to the news or even notice what the government is doing.
For those who haven't read my bio, my wife is Vietnamese. She was born and raised in Hai Phuong, just outside of Hanoi. She spent her whole life in a Communist country before coming to America in 2002.
She wanted to know why the government would increase taxes at a time when sales in most businesses were down and many businesses were struggling to stay open. She expected another drop in sales from the tax, but what really surprised me was what was really upsetting her was the government's insistance on increasing benefits to people.
I thought she was upset about the tobacco tax increase, which was concerning me, but it was the increase in taxes to wealthy people that was setting her off. To be honest, we are not wealthy. Not by a long shot. Her tobacco shop is barely breaking even and I figured that this last tax increase would kill us, but we're still making ends meet. Barely.
No, what was bothering her was the government's insistance that the wealthy had a "moral obligation" to take care of those that aren't wealthy and were planning to punish people for trying to improve their lives. She said that if the government just gave people things, why would they go out and work to get those things for themselves?
If you know that the government is going to tax you for making money, why make more money? Just make enough to pay your bills. Why open more businesses and create more jobs when the government is just going to punish you for it?
It must be from growing up in a Communist country, but she had a pretty good perspective on the situation. She said that when governments take from the rich and give to the poor, everyone gets lazy and stops working. The rich don't want to be punished, so they stop producing. The poor have no reason to work because the government will take care of them and usually takes away their benefits for making money over a certain threshold.
Okay, that's a long way to explain that Robert Kiyosaki nailed it when he said, "Taxes punish those who produce and reward those who don't produce." This statement could be applied to today's financial situation just as much as it was over ten years ago when he wrote it. Granted, ten years isn't that long, but we've gone through a market collapse of tech stocks in 2000 and the current mortgage crisis and the government is trying to play Robin Hood in the middle of it all. As I said, I usually don't get involved in politics, but it seems to me that the government should reign in the budget and focus on decreasing the debt, putting the country on a better financial footing before taking on all this new debt that can only lead to more taxes.
And when you are totally reliant on the government for every need, you have people standing in a swamp after a hurricane yelling at the TV cameras, "Where FEMA?"
Okay, I'll get off the soapbox before someone shows up with a rope. I don't know about you, but it makes me want to say the heck with it and go back to bed. Maybe my wife is right about people getting lazier...........
"Rich Dad Poor Dad: What the Rich Teach Their Kids About Money - That the Poor and the Middle Class Do Not!" by Robert T. Kiyosaki
Thursday, July 16, 2009
The Game Plan
To get any where in life, you need a plan. Life should be played like a game. Why take it so serious? So here is my game plan for financial independence:
1. Start an LLC to buy and sell real estate.
2. Start out flipping properties, buying wholesale and quickly selling wholesale, to generate cash reserves.
3. Buy multi-family properties to hold and rent for monthly income, also known as cash flow.
4. Mature into apartment buildings and complexes where the serious money is made in real estate.
Okay, that's the plan. Step one is complete, as you will notice from our name, Half Moon Investments, LLC. Every journey begins with the first step. Now I just have to take the next step....
Oh, people have asked why Half Moon Investments? My wife, Nguyet is Vietnamese. Her name literally translated into English means Moon. She is my partner in business as well as life, so the business is half hers, or Half Moon's. And since we're investing in real estate...........
1. Start an LLC to buy and sell real estate.
2. Start out flipping properties, buying wholesale and quickly selling wholesale, to generate cash reserves.
3. Buy multi-family properties to hold and rent for monthly income, also known as cash flow.
4. Mature into apartment buildings and complexes where the serious money is made in real estate.
Okay, that's the plan. Step one is complete, as you will notice from our name, Half Moon Investments, LLC. Every journey begins with the first step. Now I just have to take the next step....
Oh, people have asked why Half Moon Investments? My wife, Nguyet is Vietnamese. Her name literally translated into English means Moon. She is my partner in business as well as life, so the business is half hers, or Half Moon's. And since we're investing in real estate...........
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