These rich people just know how to get out of their financial problem and start to create wealth. They are just like the rest of us, they don’t have a special talent, and they are not good looking people or movie star either.So, you start to wonder how they can become wealthy, rich and even financially free.

Here are the secret they know that most of us have heard about. The problem is laid on all of us. We usually just let the information passing us, and we don’t do anything about those information. Now, it’s the time for me to remind all of us, and start to do something about it.

The first pillars that we might want to do is own a business. Here is the tricky part, owning a business give you a financial freedom, but it also can give you a new headache. What I meant is that every one of us needs to run the business that has a system. This system has to be created in such a way that make the business can run without the constant intervene from us. I will suggest you to read an excellence book about it called “E-Myth revisited” by Michael E. Gerber.

If you want to start with a business that already has proven system, you might want to consider a franchise. A good franchise usually will provide you with a proven working system to their franchisee. So, the franchisee can start their business smoothly and quickly.

The next one on the list will be real estates. A lot of American nowadays is enjoying a big raise on real estates value in the past couple years. Some of them have multiply their asset by double in these couple years alone. The tricky question is how they know that their property value will be going up. Well, the answer is they don’t know either. It’s just a pure luck, that’s what I think. This won’t make anybody to achieve financial freedom.

What can make everyone to achieve financial freedom in real estate is by buying a real estate with somebody else money. Yes, with somebody else money. Here is the story I got from a janitor in San Francisco. He works as a janitor but he owns 2 houses in San Francisco. You might ask how he can do that. The answer is he bought his house on a mortgage with a very low interest income. He splits the house into two rooms that he rented out for two families that has to pay him rental fee each month. With that money he can finance his mortgage with somebody else’s money. Smart, isn’t he?

Ok, the third one is through investment. A lot of American lost his money in stock investment in 2000. When all those dotcoms companies felt down, so did American. So, the question is whether it’s save to put your money to investment. The answer is yes. We all have to learn from mistake, not running from the mistake. We all know that a lot of people are blindly put their money in those dotcoms companies. So, next time you need to invest you better learn the company first.

There are a lot of tips that are available from the experts about how to choose the right investment. They all offer you with different solutions, so it’s depend on our judgments which one you think is the most trustworthy.

Ok, you might want to scream by now, all of those above investment need a lot of money to invest in. You will start to tell me that your saving is very low; you have debts to pay, etc. I know that most of us don’t have that kind of money in our saving. So, is it impossible for us to create our wealth? The answer again is No.

Here comes the fourth pillar. Thanks to technology that now we have the internet. With the internet we can create a low cost business with unlimited income. Yes, you have heard about it, but have you start to do that? With internet business, a lot of people have earned tons of money from it with very small cost. Comparing to those three pillars I mentioned above, this pillar is definitely has the highest return.

You have to try to find a perfect internet home business for you. You should do the researches before you decide to join and work for the company. You can find literally thousands of company that offer you with this kind of opportunities.

Leverage – Leverage can provide you with great returns. This may be very risky so it is very important for you to understand how it can affect your own investment.Pay up loans – To increase leverage, simply pay up your loans. This frees up investment resources. Other investors also use increased equity in one property to free up funds which he can use to invest in other deals.

Improve property for equity – A lot of investors invest properties sold at a good value even if they need further improvements.  They use this as an opportunity to rehab houses and sell it later on at a much better price. Early on, investors should have calculated the total costs of the improvements which should result to an immediate increase in equity.

Rental - The rental yield is the amount that you get directly from your rental income. It may be calculated either as net or gross.  Generally, experienced investors calculate the net of your rental incomes by taking out expenses, taxes and other costs and dividing it by the property value. This may result to a negative cash flow since it usually does not include mortgage payments.

Appreciation – Properties usually appreciate in value through time. This allows you to have higher sales and more reinvestment opportunities in other properties. It also gives you the chance to provide an equity line of credit which you can use for other investments.

Inflation is rent-friendly – Rent can increase with inflation and mortgage payments on your home can remain stable. This increases your cash flow and rent income without going beyond your regular expenses for property maintenance. Inflation also allows you to take more renters since it can negatively impact the affordability of your property.

Yes, bonds and stocks are sensitive to inflation. They simply involve non-existent dividends and value appreciation potential.  Despite of this, real estate investing remains to be very promising, providing a lot of lucrative investment opportunities.

Location can Make or Break Investment Properties

A good location for a commercial investment property can make up for any number of defects or perceived deficiencies. Being at the right place is a huge advantage and if you find the property at the right place at the right time you're one step ahead of most of the competition. Make sure the location is well trafficked, suitable for the purpose of the building, and in an area that is experiencing growth instead of entering into a period of decline. Even in a recession there are areas that will show signs of prosperity. Make sure your investment property is in one of those areas.What are Your Plans for the Property You Purchase?

Having a plan for the property before you even begin looking is a wise business decision. It will help you avoid making spur of the moment or "off the cuff" decisions about a property that are based purely on an emotional response to the property itself. It's even better if you have a list of things you want the property to offer and check them off as you sort through the mountains of commercial property listings in search of your perfect investment property.

Set goals, make plans, and work to achieve those ends. This works in real estate investing, like many other areas of life. The more specific your plans and goals are the better the odds that you will find the perfect property to meet them all.

Does the Property have Good Curb Appeal?

Believe it or not, curb appeal isn't only for residential real estate. Depending on what the property is being used for, all kinds of things on the outside will make it a more attractive purchase. While it's not all about looks, you want to be certain that the property is in good working order and will meet the very specific needs you have in mind.

When it comes to curb appeal, take notice of the parking for the building, water drainage, signs of age or disrepair, and existing cosmetic touches that will make the property more appealing for whatever purpose it is intended.

When going through commercial property listings pay attention to the ones with pictures and make notes of which properties you find attractive and why. This will help you discover which features you prefer in the property and help narrow your search.

The Price is Right, Right Now for most Commercial Properties

Real estate, whether you are considering commercial or residential properties, is one investment that generally rises in value over time. There may be dips and hiccups along the way but over time the value will go up. Now, we are experiencing a rarity in the real estate market where prices have been lower for a while. This trend could end tomorrow but for now, the prices are low. This means you can buy low with the potential of selling high once the market bounces back.Supply for Real Estate Currently Outstrips Demand

Another reason that prices are so low right now is that people are in trouble across the country and around the world with finances. Properties are being liquidated in order to cover other debts. The result is a greater amount of supply than demand which creates a "buyer's market" where buyers have all the power in these transactions. This impacts more than price. It gives you, as the buyer, the opportunity to name your demands for closing costs, terms, and other perks you can think of as you look for the right commercial property for your investment dollars.

Favorable Financing Makes Investing in Real Estate Attractive

Finally, interest rates are lower than they have been in years. If you have decent credit and a suitable down payment for the property now is the best time to take out a loan for commercial real estate. It's better than we've seen in decades if not longer. If you've been kicking around the idea of becoming a commercial real estate investor, stop kicking the tires and get behind the wheel. You'll kick yourself if you finally take the plunge two or three years from now when interest rates are 4 or 5% higher than today.

Don't let fear of the unknown rob you of the potential lifestyle altering power of real estate investing. Whether you are investing to save for your retirement, looking to bolster your monthly income, or want to invest in commercial properties as a way of saving for college this is a solid plan for long-term investing. Property flipping and fast turnaround projects aren't offering the promise of "quickie riches" today that they've been known to offer in the past but long-term commercial property investments continue to offer promise and growth for those looking for safer bets in the investment arena.