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SUBPRIME CRISIS & MORTGAGE STRESS -
its impact on homeowners and property investors.



Window of potential impact 2008 to 2013
Window of action required 2008 to 2010

Are you ready to lose your property portfolio and have to start again?

Why are so many Americans just handing their home's keys back to the banks and walking out?

Can WE avoid this in Australia, UK, India & Europe generally?

Is the worst over for America?

Why are 900,000 homeowners in Australia expected to be in severe mortgage stress by

September 2008?

How can we survive? What action do we take?
Relax ..!

we can, BUT you must be prepared and informed.


Watch here as David Nethercott talks more about his book..


SUBPRIME CRISIS & MORTGAGE STRESS -
its impact on homeowners and property investors.

This ebook will address and suggest actions for the following questions:
What is the sub prime crisis? How could it affect me, the homeowner? How could it effect me the property investor? What are the likely scenarios that could develop? I want to buy another investment property soon, should I? How can I best prepare for each of the possible shock waves that are already emanating from the US scene and more to come? Now is not the time to panic but prepare There will be a massive wealth transfer from those without knowledge to those with the knowledge over the next 5 years. Are you prepared to lose your hard-earned gains in property growth, and give it to those more informed? What are the actual strategies that will enable you to not only survive, but profit? Specific strategies for homeowners Specific strategies for those already in mortgage stress Specific strategies for the property investor Can your thoughts and attitudes effect the outcomes you personally will experience over this 5-year window?


ABOUT THE AUTHOR:

he is a multi million dollar property investor who retired on the equity gains of his property portfolio over the last decade. But his wealth is nowhere near expansive enough to absorb a severe credit crisis and property devaluation. He has researched the top people in the property/wealth creation arena, to be prepared for what is to come. Losing his property portfolio and going back to work does not sit well with his goals. Join me on this knowledge quest, and enjoy, even profit from the next 5 years in property.

[ORDER NOW](http://1.elifeofjoy.pay.clickbank.net)

The Author has just finished implementing the ebooks suggested strategy for his own property portfolio, with his usually happy and confident Broker. He was very down. Indeed, he sounded more like a banker than a talented Broker.

He said that many of the lenders have already reduced or stopped lending for new properties (Australia). Tightening of lending criteria has started. Property valuations done by the banks are starting to drop, even though properties are still selling for more than their valuation.

Some of his bigger clients are already seeking help, and indeed some have been sucked into scams.

Free advice: when fear is about, the scam mongers come out in force, and even the best people can be caught!

Avoid the fear, the unknown, become informed and prepared. The window for being prepared is now!


[ORDER NOW](http://1.elifeofjoy.pay.clickbank.net)

FAQ - frequently asked questions

Question 1. How do I know if this book is suitable for me?

Answer: check the list below. If you come out with 1 or more ticks, it is for you. Remember, the subprime is a world event, so it does not matter which country you live in, you will be effected.
you are a property owner and already experiencing Mortgage Stress you own a home/investment property, but you can see your income flow being reduced, and will experience Mortgage Stress very soon you are buying your own home & have a mortgage greater than 70% of present value you are thinking of purchasing you first home or investment property you have 2 or more properties with a loan to value ratio greater than 60% you buy, renovate & then sell that property to generate a living/cashflow One tick and the ebook, "Subprime Crisis & Mortgage Stress Cits impact on homeowners & property investors", is for you.
[ORDER NOW](http://1.elifeofjoy.pay.clickbank.net)

Question 2. How much will , "Subprime Crisis & Mortgage Stress Cits impact on homeowners & property investors" cost me?

Answer: Not having information available like this book in the 90's, cost the author some $10 million (see more about the author section below). So it is worth a lot, depending on your situation.

What value can you place on knowing you are prepared, and having peace of mind, while others are in panic mode?

Eg.    You want to buy a house or investment property, and thinking about paying top dollar for a new house out in the developing mortgage belt. After reading this book you decide to purchase an old house 7 kms from CBD with the same price tag and slowly renovate it. Information is gold.

Eg.    A property owner with 15 properties and a huge cumulative debt, wouldn't think twice about buying accurate dollar/pain saving information, lets say for the price of one property valuation. $225 (all tax deductible).

Because I wanted to save pain for as many people as possible, when it came to placing a value on "Subprime Crisis & Mortgage Stress Cits impact on homeowners & property investors", I couldnt. So I have given you the choice C what is it worth to you?

Absolutely no guilt! You choose your price in peace and joy. While I do intend to make money from the sale, you are more important, and I am happy with whichever outcome you choose.

Just remember, by you being prepared and not part of the firesale brigade, you do help me anyway, because that is one less property to drop the average market valuation.


( WELL KNOCK ME DOWN WITH A FEATHER!!!! My secure payment intermediatary Clickbank, will NOT allow me to give you a choice.

What would you have chosen? $157, $97, $57, or $37?

Now I have been forced to choose for you, and because I want to help the maximum number people with this information, I have chosen $37.For those who would have paid much more, please don't discount the value of this product because of the low price.)

[ORDER NOW](http://1.elifeofjoy.pay.clickbank.net)

Question 3: What if this is all a storm in a teacup?

Answer: In, "Subprime Crisis & Mortgage Stress Cits impact on homeowners & property investors" I have clearly explained the best scenario using sophisticated modeling (which also predicts a slower market), to the worst case scenario, and then somewhere in-between.

You can not know the future, but you can be prepared with some degree of certainty. And as stated, the more property owners that embrace the information in the book and dont befall the downturn, the shallower will be the trough.

Indeed, if by our collective action we say 5 years down the track, "What crisis", then have't we all done well!

[ORDER NOW](http://1.elifeofjoy.pay.clickbank.net)

Question 4: Arent you just scare mongering, creating panic to sell your book?

Answer: Just take a look at the stockmarket at the moment. (April 2008 at writing), listen to sentiment and predictions of the US economy. The FX market is all over the place, with markets normally aligned going in opposite directions. Those in the "know" can't even work out what's going on. Just about all this is happening due to the psychology of the participants in the market. If it weren't for the fact that properties take so long to sell in a depressed market, I am sure you would see greater volatility in the property market as well.

But what if the participants in the market were all prepared and had the confidence to see through to the other side? No, I am not selling panic, but peace of mind, so we can all enjoy our lives despite what may be occurring around us.

Everyone deserves to be wealthy, and in this time of opportunity, we can be, do and have what ever we desire. You are what you think and feel.

[ORDER NOW](http://1.elifeofjoy.pay.clickbank.net)

Question 5 : How do I get my copy of "Subprime Crisis & Mortgage Stress C it's impact on homeowners and property investors", after paying for it?

Answer: The ebook is available for immediate download from the Thank You page that you will be sent to after completion of the order with Clickbank.

The ebook is in the pfd format, which is the most popular format for ebooks. Most computer will already have the software loaded.

To open and read, you will require Acrobate Reader. This is free software, and you will be directed to where you can obtain it on the Thank You page if you dont already have it.

[ORDER NOW](http://1.elifeofjoy.pay.clickbank.net)

Question 6: What if I buy the book and find that it is not suitable for my situation?

Answer: First, make sure you look at Question 1, and you fall into at least one of the categories listed.

If after purchase, you feel for any reason that the book does not give you practical steps to help you prepare for the problems your situation is likely to encounter, then contact us with clickbank receipt number and you will receive a no questions asked refund.

This satisfaction MONEY back guarantee is for 60 days from date of purchase.

Remember, this ebook will give you ideas and "what to do", but for it to be successful YOU must be the one who actions those ideas.

[ORDER NOW](http://1.elifeofjoy.pay.clickbank.net)

More about the Author:

Only read this if you wish to feel the grief of loosing everything you have worked for!!!

In the 80's, I was a high school teacher in the sciences, who as a hobby, bought an old house in the area we wanted to live, and slowly renovated it. When one was complete, I sold it and bought a bigger and better positioned house, and renovated again. Finally with a young family and a very lovely home in a great position, I didn't want to move, so started buying investment properties. Finance was difficult to obtain, (full doc loans in those days) and the investment process slow, but by late 80's I had 4 houses. And then the business "bug" hit, I left teaching and went and built a small resort in a tourist area.

Very late 80's and early 90's saw a harsh down turn in property and business alike. Interest rates went up to 20%. I was simply not prepared. Cash flow from a new business was insufficient to cope with the interest, default payments started. I quickly locked in fixed interest at 15.5% for the remaining 3 investment properties, which was much better than the variable at the time (as I look back, what a "patsy" I was, ripe for the picking.. insufficient information!!), only to see rates fall over a short time to well below 15.5%, and I was locked in for 5 years. Although property was depressed, it had stabilized, but business environment was now very harsh, and business values totally depressed. Indeed, the resort was now valued at less than 50% of construction costs, 1 year after completion. Cash flow was not sufficient to service debt and the inevitable happened to one who wasn't prepared for the range of circumstances that occurred.

The banks came after me with vengeance. no, I won't go through a description of the stress and anguish side of things you and your family go through, but take it from me, it is not pleasant. When the banks had finished with me, firesales over, nothing left, they gave me the news that I owed them another $55,000 from all the penalties of breaking loans. The first 25 years of my working life gone in a "recession we had to have".

My wealth had transferred from the uninformed (ME) to the informed. I don't intend to go through this again because of the subprime lending crisis, and I want to help as many property owners to avoid the same mistakes I made, thus this ebook.

So I left the resort, with nothing, tail between the legs and a family of 3 teenage children and a "new" wife, in 1996. I started again building up a business in the service industry with my new wife, domestic house cleaning! It was hard work, but I could start from a zero capital base.

Today I have 7 properties all within 8kms of CBD, and have been able to semi retire on the equity gains over the last couple of years,

But the subprime worried me. I knew it had the potential to be hurt me again, so I was determined to be prepared. Not only in the strategy/financial side, but I realized my own attitudes and reactions contributed to my downfall last time. What I think will become my future.

So this time I know I have prepared, now I can look forward to the future, and be thankful for what I have, and enjoy life no matter what is going on around me.

You have the benefit of that research, a concise ~50 page ebook, to the point, with clear practical instructions of "what to do in your situation".

[ORDER NOW](http://1.elifeofjoy.pay.clickbank.net)

Thank you for considering purchasing, "Subprime Crisis & Mortgage Stress C its impact on homeowners and property investors". I am so positive you will gain so much more out of it than you paid. I worked out roughly, that if I had been able to survive with my business and the remaining 3 properties, they would have been valued at $5million today. And if I could have used the money to leverage against property through the last cycle, I could have been sitting on $10 million plus easily.

How good it that, when you do it correct!


[ORDER NOW](http://1.elifeofjoy.pay.clickbank.net)



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