How should you choose your IRA Custodian for your investing deals?

Choosing an IRA custodian is as important as choosing investments. Some custodians do not allow alternative investments to be acquired as assets using your IRA. Some self-directed IRA administrators that allow alternative investments (such as real estate investing) may restrict the types of investments they allow as holdings. Additionally, there are strict rules and regulations one must follow when purchasing assets. If you make the mistake of acquiring an asset your custodian does not allow, you and your IRA may suffer harsh penalties handed down by the IRS. The same is so if you perform a transaction that falls outside the boundaries set forth in the rules that govern retirement funds.  Access the Advanta IRA ppt that Kevin Collins presented at our meeting in June –  Retirement Revolution Presentation

If you want to control your own investment funds in your IRA, you must first make sure you open an account with an administrator that facilitates self-directed IRAs. These accounts allow a myriad of alternative investments in them, such as real estate, private lending opportunities, precious metals, oil and gas options…and much more. As the account owner, you have the freedom to choose your own investments to build wealth toward retirement. The custodian acts only at your direction to acquire assets in your account.

Even though laws governing IRAs allow real estate and other non-traditional investments in your account, not all custodians allow those assets. A recent example of this was illustrated by the tax court in a proceeding filed by Guy Dabney. Although Dabney familiarized himself with IRS allowances of assets in IRAs, he failed to comply with the rules of his IRA custodian, Charles Schwab & Co., Inc., who does not allow real estate in the IRAs they administrate. Even so, Dabney performed an action to acquire the real estate that he thought would constitute a permissible trustee-to-trustee transaction. He had Charles Schwab wire $114,000 directly from his IRA to the company selling the property and asked the property be titled “Guy M. Dabney Charles Schwab & Co., Inc. Cust. IRA Contributory.” The purchase was made, however, the property was accidentally titled in his name. Dabney was able to have that clerical error officially fixed, but Schwab still sent Dabney a 1099-R form, declaring he had taken an early distribution which was taxable to him as he was not yet of the age of 59 1/2. Dabney did not report the withdrawal on his income tax that year, stating the real estate purchase was made by the IRA and / or should be considered a trustee-to-trustee transfer because of the way the property was acquired.

In considering the case, the IRS made several determinations. First, Schwab does not permit real estate investment purchases or holdings in their accounts; second, the title company to which the $114,00 was transferred was not, in fact, an IRA trustee and therefore, no trustee-to-trustee transaction was performed. There were a few other reasons the tax court based their decision on, which can be read in full in an article published by Parker Tax Publishing, and the withdrawal was considered an early distribution—and taxable for Dabney under IRS regulations.

The main takeaway here is that even though self-directed IRAs give you control of your investment decisions—you are responsible for adhering to your IRA custodian’s own set of rules regarding investments they will allow your account to hold. Not all custodians are created equal! Due diligence in researching a custodian that is a good fit for your investment endeavors is critically important. Dabney could have avoided his unfortunate complications had he decided to roll funds from his Schwab IRA into a self-directed IRA administered by a custodian that allows real estate assets and made the purchase from that account. Be sure to select a firm that is accessible, willing to discuss your transaction, assist you in completing the required forms, and ensures you provide the proper documentation. Most importantly, a firm that give you and your retirement portfolio the personalized service you deserve.

With Boston AREIA’s vendor, Kevin Collins of AdvantaIRA, you will get the personalized service you are looking for when doing your real estate investing deals in and around the Boston area.  If you would like to learn more about how self-directed IRAs can build wealth toward retirement, please contact Kevin Collins at AdvantaIRA Trust by calling 617-830-1070 or emailing

Attention Boston Flippers – Deals are flowing

Bernadette Trafton, Chief Connector   Attention Boston Flippers, Real Estate Investors and Rehabbers in Boston, Buy and Hold investors and more!!!

Deals are flowing in and around Boston!  The last few weeks have been incredibly exciting!  Nothing pleases me more than when my new and seasoned Boston Real Estate Investors email and call me telling me about their deals!!!  If you were at Boston Area REIA last week, you would have heard our Mentee Mike Fitzpatrick talk about his first deal!  The exciting part is that Peg Graveline of JEM Property Group and I have been having almost weekly sessions with Mike and his partner Jacqui Pietrzak.  We’ve been hitting hard on finding deals, contract negotiation and more.  I know that Mike and Jacqui were probably sick and tired of hearing me push marketing and getting their website set up and more.  But, in the end that paid off!!!  Last week, a lead came in through their website that was created by our friends at Thrivehive!  Yes, I will personally connect you with them, if you’d like me to!  After the website being up for 2 months and actually live for only a month, a lead came through.  Mike and Jacqui will tell the whole story in their blog “Diary of a Newbie Real Estate Investor”, but, they got Peg on the phone and after following her guidance, put the property under contract and are working through the deal right now!

Right before the meeting, I got another email, from one of my newest investors saying that he had a property under contract in Mattapan!  He wants to wholesale this folks, so, if you are interested, contact me.  This may be an awesome opportunity for those looking to buy and hold and could be great for those Boston contractors out there who are looking to get in the game and will do the rehab themselves.

I got another phone call right before the meeting from an investor who had a deal under contract and they were looking for hard money lenders.  I saw them at the meeting and they let me know they were working with a lender and the deal was in progress!

Then I got an email from another Boston Real Estate Investor, letting me know that he had a deal.  We are still vetting everything so, I won’t get into the where’s and the what’s of it all.

I’m getting so excited about all the activity, that I’m setting up a member specific email list to send the wholesale, buy and hold and other deals that are flowing through the group!  Become a member today, to be the first to receive news of these deals!  If you need another reason to become a member, be sure to check out all of the member benefits that can save members hundreds and thousands year.  I’ve always said that it costs more NOT to be a member of BostonAREIA!  My brother, who is a contractor saved 70% on paint through the Sherwin Williams paint discount alone! It was definitely more than the $175 it costs to be an individual member!  Oh, and if you were at our last meeting and you didn’t become a member, expect an email from me with a coupon thanking you for being a visitor in June!

My life has been crazy the last few months.  My mother has been ill and in and out of the hospital, I’ve been having tenant issues, family craziness and more.  We all have this type of stuff going on in our lives.  So, do me a favor and before you let anything get to you, stop, breathe and know, as my friend Bruce Decker says, “Remember that crap is just fertilizer for future growth!”

Happy investing!


Bernadette Trafton, Boston AREIA Chief Connector


How to Set and Achieve Your Goals in Real Estate

How to Set and Achieve Your Goals in Real Estate

Ask yourself two questions. Do you have a Will? And do you have written goals for the next one, three, five and ten years? If you answered yes to the first question but no to the second, you are planning more for your death than your life. I challenge you to start setting some goals but remember if a goal isn’t in writing, it’s simply a conversation. It must be in writing and it must have a deadline. You must also have a commitment to your real estate investing.  You can’t expect to do this for a few months and then give up.  Make sure you are willing to give it at least 5 years before you walk away.  Here are a few guidelines …

Be Specific

Be specific and include details but start rough. This means you want a Mercedes. You don’t have to get into color, options, etc.… just write it down. Make your list huge. Come back and prioritize and determine what you want in one, three, six and twelve months, then three, five, ten and twenty years. The more goals you have, the happier you will be, the longer you will live, and the more prosperous you will be.

Goals Must be Believable

Your goals must be believable or you will not pay the price. They must be just out of your reach, but know you can reach them, if you really strive to do it.

Goals Must be Measurable

Don’t set a goal to be financially independent. You can’t measure that. Break it down to the ridiculous. I have learned that successful people set their goals quickly and make adjustments as they go along. Successful people don’t vacillate in indecision.

Goals Must be Congruent

Goals must be congruent with your actions. You cannot set a goal to work harder, longer hours AND a goal to spend more time with your family. Those are not congruent.

Visualize What You Want

If you see yourself as already having achieved the goal, you will fake out your mind and it sees the goal as having been achieved. It’s called “fake it till you make it”. Take a moment each day and visualize life as it is would be with your goals already accomplished.

Number Your Goals

Number your goals in the order of importance. Not only is the goal important but so is the reason. Sure your want more money, but why do you want money? Whatever it is, the reason must be there. The reason is more important than the goal itself.

Review, Monitor and Make Adjustments

Review, monitor and make adjustments to your goals. You have to be flexible. Some things are not going to happen, you have to face that but you need to continuously strive to get better every day.

Goals Must Have a Deadline

Your goals must have a deadline. A goal without a deadline is just a conversation. Set your goals in these four basic areas:


Set goals based on income, equity or net worth and cash flow. All of these are financial goals.


This is your health. If you don’t feel good, you are not working at your maximum capacity. I want you to set some fitness goals to stay healthy. Start small and don’t try to tackle all of them at.


Set family goals. What is an example of a family goal? Maybe you want to take four vacations a year. Maybe you want to visit a new state, three times a year or five times a year. You get the point.


Think about the people you associate with. Your ten closest friend’s annual salary and divide by ten…that is pretty close to your income. Who you associate with, is who you are like, so keep that in mind. Don’t get rid of your friends, just get more that are where YOU want to be financially.

Remember, real estate investing is a great way to help you achieve your goals, you have to have desire and commitment.  The time for action is now and its never to late to DO SOMETHING!

Time is of the essence Real estate deal in Winthrop, MA

1, 2, 3 Washington Terrace (WT), Winthrop, MA 02152 – View the property – 1-3 WT-2; Check out the numbers – 1,2,3 WT to send081413-1

This is an opportunity to purchase three houses and one vacant lot right on the water. The

property was recently listed on the MLS (non-exclusive) but I still have the authority to go

directly to the owner.

MLS Listings                                                       MLS Asking Price

1 WT (Lot A) & Vacant Lot (Lot D)                 $449,000

2 WT (Lot B) and 3 WT (Lot E)                       $345,000

Total $794,000 (3 houses and one lot)


3 WT (Lot E) and Vacant Lot (Lot D)             $129,900

Winthrop is a family area close to Boston that was not previously noticed by a lot of young

adults. This has begun to change this year as rents in the surrounding communities are higher

and increasing steadily.

2WT (5 BR/2 Bath) rents to four adults. On July 1, 2013 I raised the rent from $2,025/mo. (plus

utilities) to $2,550/mo.

1WT (6BR/2 Bath) needs the oil heat replaced with gas, and you could immediately raise the

rent from $2,000/mo. (plus utilities) to $2,500/mo.

3WT currently rents for $800/mo. (plus utilities) Rent could be raised to $900 a month with a

modest investment to reduce electrical utility costs.

Initially this is a buy and hold/raising rents. Then you would go through the zoning appeal

process to build on the vacant lot (Lot D) and boathouse (Lot E), total 4,550 sq. ft.

The Winthrop head inspector came out to the property and, when asked, stated that he would

build a single family house on Lots D and E. It would require a variance, but he felt confident

that it would be approved by the Zoning Board of Appeals. You would need to pave the 12 ft.

right of way to the edge of the property to allow emergency vehicle access plus provide two

parking spaces.

Per deed, Lot E (boathouse) has “beach, flats, and riparian rights, appurtenant of said premises”.

The new house should have one bathroom per bedroom to maximize rental income.

Exit strategy after building: Sell all or some of the three buildings, individually.

The realtors for this Winthrop, MA real estate deal are walking through on Monday, August 19, 2013 at 10 am. Time is of the essence.

For more information and appointment to see building interiors, contact:

Dave Julier, 1-617-233-9633,

Tax Planning for Small Business Owners by Joe Craft

Tax planning is the process of looking at various tax options in order to determine when, whether, and how to conduct business and personal transactions to reduce or eliminate tax liability.

Many small business owners ignore tax planning. They don’t even think about their taxes until it’s time to meet with their accountants, but tax planning is an ongoing process and good tax advice is a valuable commodity. It is to your benefit to review your income and expenses monthly and meet with your CPA or tax advisor quarterly to analyze how you can take full advantage of the provisions, credits and deductions that are legally available to you.

Although tax avoidance planning is legal, tax evasion – the reduction of tax through deceit, subterfuge, or concealment – is not. Frequently what sets tax evasion apart from tax avoidance is the IRS’s finding that there was fraudulent intent on the part of the business owner. The following are four of the areas most commonly focused on by IRS examiners as pointing to possible fraud:

  1. Failure to report substantial amounts of income such as a shareholder’s failure to report dividends or a store owner’s failure to report a portion of the daily business receipts.
  2. Claims for fictitious or improper deductions on a return such as a sales representative’s substantial overstatement of travel expenses or a taxpayer’s claim of a large deduction for charitable contributions when no verification exists.
  3. Accounting irregularities such as a business’s failure to keep adequate records or a discrepancy between amounts reported on a corporation’s return and amounts reported on its financial statements.
  4. Improper allocation of income to a related taxpayer who is in a lower tax bracket such as where a corporation makes distributions to the controlling shareholder’s children.

Tax Planning Strategies

Countless tax planning strategies are available to small business owners. Some are aimed at the owner’s individual tax situation, and some at the business itself, but regardless of how simple or how complex a tax strategy is, it will be based on structuring the strategy to accomplish one or more of these often overlapping goals:

  • Reducing the amount of taxable income
  • Lowering your tax rate
  • Controlling the time when the tax must be paid
  • Claiming any available tax credits
  • Controlling the effects of the Alternative Minimum Tax
  • Avoiding the most common tax planning mistakes

In order to plan effectively, you’ll need to estimate your personal and business income for the next few years. This is necessary because many tax planning strategies will save tax dollars at one income level, but will create a larger tax bill at other income levels. You will want to avoid having the “right” tax plan made “wrong” by erroneous income projections. Once you know what your approximate income will be, you can then take the next step: estimating your tax bracket.

The effort to come up with crystal-ball estimates may be difficult and by its very nature will be inexact. On the other hand, you should already be projecting your sales revenues, income, and cash flow for general business planning purposes. The better your estimates, the better the odds that your tax planning efforts will succeed.

Maximizing Business Entertainment Expenses

Entertainment expenses are legitimate deductions that can lower your tax bill and save you money–provided you follow certain guidelines.

In order to qualify as a deduction, business must be discussed before, during, or after the meal and the surroundings must be conducive to a business discussion. For instance, a small, quiet restaurant would be an ideal location for a business dinner. A nightclub would not. Be careful of locations that include ongoing floor shows or other distracting events that inhibit business discussions. Prime distractions are theater locations, ski trips, golf courses, sports events, and hunting trips.

The IRS allows up to a 50 percent deduction on entertainment expenses, but you must keep good records and the business meal must be arranged with the purpose of conducting specific business. Don’t hesitate to call us if you need assistance with recordkeeping requirements.

Important Business Automobile Deductions

If you use your car for business such as visiting clients or going to business meetings away from your regular workplace you may be able to take certain deductions for the cost of operating and maintaining your vehicle. You can deduct car expenses by taking either the standard mileage rate or using actual expenses.

The mileage reimbursement rates for 2013 are as follows: 56.5 cents a mile for business, 24 cents for moving and medical miles and 14 cents per charitable mile.

If you own two cars, another way to increase deductions is to include both cars in your deductions. This deduction works because business miles driven is determined by business use. To figure business use, divide the business miles driven by the total miles driven. This strategy can result in significant deductions.

Whichever method you decide to use to take the deduction, always be sure to keep accurate records such as a mileage log and receipts. If you need assistance figuring out which method is best for your business, please contact us.

Increase Your Bottom Line When You Work At Home

The home office deduction is quite possibly one of the most difficult deductions ever to come around the block. Yet, there are so many tax advantages it becomes worth the navigational trouble. Here are a few common tips for home office deductions that can make tax season significantly less traumatic for those of you with a home office.

Try prominently displaying your home phone number and address on business cards, have business guests sign a guest log book when they visit your office, deduct long-distance phone charges, keep a time and work activity log, retain receipts and paid invoices. Keeping these receipts makes it so much easier to determine percentages of deductions later on in the year.

Section 179 expensing allows you to immediately deduct, rather than depreciate over time, up to $500,000, with a cap of $2,000,000, worth of qualified business property that you purchase during 2013. The key word is “purchase”. Equipment can be new or used and includes certain software. All home office depreciable equipment meets the qualification. Also, if you purchase more than $500,000 in equipment, you can expense the first $500,000 and then depreciate the rest. In addition, a “Bonus Depreciation” of 50 percent is allowed on qualified assets (new equipment only–no used equipment and no software) placed in service during 2013.

Some deductions can be taken whether or not you qualify for the home office deduction itself. If you’d like to meet with us to learn more about home office deductions, please give us a call.

Are you working the probate angle in your real estate deals?

Bernadette Trafton, Chief Connector  Good afternoon,

Are you working the probate angle?  Working probate means spending some time at the courthouse going through probate records.  Not all courthouses are automated or have an internal network where people can go online and check recent deaths.  So, the process can be a little tedious, but, can definitely be worthwhile.  First….what is probate?

Probate is the court process used following the death of an individual to deal with the decedent’s estate. Often real estate must be sold as part of a probate or estate case. You can purchase real estate in probate either through an auction or a direct sale. Although there are differences between the two processes for purchasing probate real estate, many of the same requirements exist, no matter which procedure you use.

Ideally, you want to connect with the Executors and the Attorney involved in the case before probate is settled.  If you can connect with these folks before probate is settled and let them know that you are a cash buyer, you may get a phone call finding out what you want to offer.  The sweet spot is when the new owners are out of state and have no idea what to do with the property.  Often times they don’t want to be a landlord and they want to get out from under the property as soon as possible.  You will want to send a letter to all of the Executors as well as the Attorney.  Their information is filed within the documents that are at the courthouse.  The first thing you look for is whether or not a Fiduciary Bond has been filed.  If there is no Fiduciary Bond, there is no property involved in the estate.  So, look for this first or you will be sending letters to estates with no property which is a waste of your time and may upset those receiving the letters.  Be prepared to send the letters 6 times.  If they see consistent letters from the same investor, chances are they will call you first vs the person who only sends one letter.  And, don’t expect a greater than 2 percent return on the letters you send.  Like many other direct mail marketing campaigns the return isn’t spectacular.  2 percent is actually high.

Make sure you make an effort to build a relationship with the Attorney involved in the case.  If you build a referral relationship with them, they will notify you when they are working a case and their clients want to sell a property in your investing area.  Make sure to let them know that you are a cash buyer and have the ability to close quickly.

When you go to the courthouse, be prepared to make friends with the clerks that work at the court.  Bring them a snack…I would say donuts, but, be proactively healthy and bring some fresh fruit or something healthy and tasty for them to nibble on.  Bring a ream of paper with you.  If you give them paper, they will be more willing to let you copy items or print items depending on their system.  Realize that the folks at the courthouse are underpaid and often times stressed.  Be their ray of sunshine in an otherwise stressful day and they will be much more willing to help you and show you how their system works.

Hopefully this helps you in your pursuit to find properties.  If you have a specific area you want me to cover, let me know.  If I don’t know, I will find an article that will help you!

Happy Investing!


Bernadette Trafton, Chief Connector

My favorite direct mail marketing campaign

Bernadette Trafton, Chief Connector  Good afternoon everyone,

I wanted to share my favorite direct mail marketing campaign.  It’s my favorite because it doesn’t cost that much and typically you get great results.  First, you need to determine the area that you want to market in and know the zip codes.

I prefer to work with out of area owners, because depending on their situation, they are more likely to want out of the property.  So, I go to my favorite list place,  There are other list places, this is just the one that I’ve grown accustomed to using.  Wherever you get your list, choose out of area owners in the location that you are looking to buy in.

Now, many folks will tell you to send a postcard campaign and make the postcard yellow or orange.  I’m not all that fond of this method because the call rate is less than 1%.  I like to use Send Out Cards.  Yes, I send a card!  Think about it, are you more likely to open a card or look at a postcard?  If you are like me the postcards get thrown in the trash and the cards I open.  It’s pretty simple.  The call rate is higher and worth the little extra money you pay to send the card.  It depends on the card, but, usually it costs 2 points plus the cost of postage.  1 point costs .31, plus the cost of postage, so around $1.00 per card, unless you create a card using your own photos, then it is 3 points, plus postage, so around $1.40.  They also have postcards, but, I really like the cards better, higher open and respond rate.

Once you set up your Send out Cards account, it’s as easy as upload the leads to a specific group, then choose or create a card, enter your text, choose the recipients, hit send and within a week you should be getting calls.  Now, mind you, I do this consistently so the phone rings consistently.  Make sure you set your marketing budget ahead of time.  If you are doing things right and consistently, in the beginning, your marketing budget is similar to a car payment every month…and not a Yugo car payment…are they around anymore?

Cheers to a great summer and happy investing!


Bernadette Trafton, Chief Connector

Boston AREIA

Independence day special for your Boston AREIA real estate club

Bernadette Trafton, Chief ConnectorGood afternoon everyone.  I hope you are all getting ready to have a fantastic 4th of July, Independence Day Celebration with your friends and your families.  I have been working on some great things for the folks at Boston AREIA.  First, we are offering and Independence Day Special to everyone!  For those who join Boston AREIA by July 4th, you will get $25 off of Individual memberships and $50 off of Joint memberships!  Great Independence Day Deal for everyone.  Click here to view the membership plans (the options for the Independence Day is the last step before entering payment info).

Now, I’ve been talking to someone about how to get your deals funded WITHOUT hard money.  I know that hard money serves it’s purpose.  Chris Roche is one of our vendors.  But, I think I’ve got the answer for many folks.  There are of course ways to fund deals if you have bad credit, we have programs that can help with that.  But, what if you have a good credit history and you don’t want to pay 12-15% for hard money?  There has to be a innovative solution.  One would think.  Well, I met a team of folks the other day who are providing business loans up to $150k or more.  You qualify personally, but, the loan goes in your business name and is treated like a line of credit.  So, need some money to partner with folks and fund that deal?  You can take a draw.  Flip a property, collect your ROI, pay off the loan and have the money available for the next property.  At your real estate club – Boston AREIA , we are always looking for ways to make it easier for you to do deals and reach your goals.

Keep your eyes on the emails because we will be doing a webinar with this team next week.  I’ve been having some fun preparing for our Christmas in July event on July 18th. Presents for everyone!  It is Christmas, afterall!  Desire.  Commit.  Succeed!  Bernadette Trafton, Chief Connector,

Christmas in July! ‘Tis the season to invest in real estate!

Join us for a Networking Extravaganza!

• Network to your heart’s content

• Build your Power Team

• Introduce yourself in front of the room

• Gifts for all!  (It is Christmas afterall)

• Win prizes: real estate education, coaching and more!!!

• Share your deals and have a blast!

Bring you deals, your energy and LOTS of business cards!
Monthly Meeting 5:30 pm Networking—6:30 pm Meeting Thursday, July 18, 2012 Crowne Plaza Boston, 320 Washington Street, Newton, MA Free for members; $25 for non-members Validated parking

Do you have a professional headshot?

Do you have  a professional headshot?

If you are like me, you have always shied away from getting a professional headshot.  There are so many reasons…mainly the time it takes, the cost and just not knowing what to wear and what not to wear.  Well, at Boston AREIA, at our June 20th meeting, we have a solution for you!  It’s listed below.  But, first…

Why get a headshot?

Today people don’t just surf the web, they want to instead experience it. This photo viewing experience can cause emotion from your readers, and in turn, that emotion creates buyers and followers.

In general, studies show that people like to buy services and products from people they know, like and trust. Seeing those real people, in high quality photographs on your website creates emotional connections to the faces your readers see online.

Having a strong, up-to-date photo of yourself on hand is smart business. Use it to brand your image on your website, market yourself on Facebook, LinkedIn and Twitter.

Tips and additional information:

What to wear?

  • Solid colors photograph best, and most people look good in midtones (green, blue, brown, etc.).
  • Avoid white and colors that approximate your flesh tones.
  • Avoid wearing clothing with patterns or accessories that distract from your face. Very bright reds, yellows and oranges can also be distracting.
  • Men: wear a suit jacket sweater or nice dress shirt
  • Women: a blouse or tailored jacket
  • Make sure to iron :-)

What will you receive?

  • You’ll receive a high resolution digital copy of 3-5 images from the shoot.
  • You have permission to use this image for web, business card and print needs for your business, however Latimer Studios reserves copyrights of the images.
  • Included is basic retouching of the image as needed to make you look your best (blemish removal, teeth whitening, etc)

How to sign up:

There is a limited amount of spots open, first come, first serve.

Time: June 20th before your meeting. Your time slot will be between 4:00- 5:15, I will email your specific time. Each headshot session will be around 10 minutes.

Location: Crown Plaza, 320  Washington St., Newton, MA

Cost: $50

Email me at if you would like to get headshots and I will give you your timeslot and a link to pay for your headshots via PayPal.

I’m looking forward to meeting you all and being apart of such a great organization!


Laura Latimer

Join us on Facebook to win prizes

We are growing our Facebook Likes for Boston Areia – Real Estate Networking meetings – Everyone who goes to Boston AREIA and LIKES our page and likes the contest post will be entered into a drawing to win some prizes – You MUST like the page and like this post in order to be entered into the contest.

Prizes will include

1 – Review Tony Youngs course, partner with Bernadette and be Bernadette’s guest at Tony’s 3 day bootcamp July 13, 14, 15

2 – 4 hours of Marketing coaching with Bernadette.

3 – Foreclosure education – tapes and booklets and more…

The contest runs from June 4 – July 1st….Good luck everyone!

If you get a friend to LIKE the page and comment on the post that you sent them, you get extra entries to win the prizes!


Bernadette Trafton, Chief Connector,