Promissory Note Investing Tips

Smart Investors Plan for Success

Steps to Successful Investing–Planning Overview

Success in any activity requires education, training, desire and application. To coordinate these skills requires planning. A financial plan is the road map showing the way to financial independence.

Applying the Steps to Promissory and Mortgage Notes

Focus on one investing area to become comfortable, confident and successful; being a jack-of-all-trades and master of none not the goal. This article focuses on promissory and mortgage note investing.

Step One

Start the process by defining and understanding your present financial situation. Determine what financial assets and capabilities you now have; determine your level of financial literacy; determine the time available to devote to the investing process. In summary, understand where you now are financially, what you plan to accomplish, and how you plan to do it. Put the plan in writing.


“I now am age 30, want to retire at age 65 without any debts; will use promissory and mortgage notes as my investing vehicles; now have $20,000.00 available for investing and hope to add $10,000 annually; will spend ten hours per week learning the note investing business; will work with experienced advisors as I implement my long-term investing plan.

This example covers the person’s current investable funds, current and future employment income, current and future cost of living, health, and family size. All of these are factored into the long-range investment retirement plan.

Force yourself to deal in specifics-specific income dollars, specific time-frames, specific living expense dollars, etc. Do not “wing it” and rush through this exercise.

Step Two

Implementing your promissory and mortgage note investment plan starts after you have laid a solid planning foundation. Assume, as an example, your investments will be made in a Self-Directed IRA Account; assume you want to invest in mortgage notes secured by real estate in your State. Based on these assumptions, let’s now consider the investing planning decisions you should make.

Step Three

Numerous specific decisions are required. After deciding, write the decisions and add them to your investing plan. Decide:

• How much of my investment capital should I invest in any one note?

• What duration mortgage should I invest in?

• How will I find mortgage notes?

• How will I determine the quality of the note?

• Who will administer and service the notes?

• Who will make decisions to handle problems that arise?

Step Four

Get experienced, specialized guidance to answer the questions above, and to do the first few investments. Don’t be a solo pioneer; benefit from professional help.

With good guidance, you will not be required to “reinvent the wheel” all by yourself. Having a seasoned promissory note specialist on your team to help the process along, and will allow these decisions to be handled smoothly. An experienced promissory note investor and advisor can smooth the way.


To be a successful promissory and mortgage note investor good planning is necessary. Tailor the plan to your individual capabilities, needs and goals. Don’t try to “reinvent the wheel”; it has already been invented. Benefit from the mistakes that others have already made, don’t repeat them. You can and should have an expert help you avoid common mistakes.

There’s no “smart money,” only smart people; money goes where they go

Lawrence (Larry) Tepper specializes in the valuation and appraisal of promissory and mortgage notes, and other cash-flow financial instruments nationally. Nation-wide services for banks, trust companies, self-directed IRA accounts, estates, attorneys, CPAs, and individual investors.

Consulting Services-Free Appraisal Price Quotes

Law Degree /Accounting Minor University of Denver
Managing Colorado Real Estate Broker– Promissory Notes Specialization
Certified Commercial Investment Member from the National Assoc. Realtors (CCIM)


Gold Investing Tips

GoldThere has never been a better time to invest in gold and with these gold investing tips, your profits will be much greater. Events are coming together that will propel gold to new heights that will make the gold move of 1979-80 look like peanuts. In order to capitalize on these gold investing tips, it is important to know why gold is going to make this move.

Events are converging that leave gold no where to go but up. After 60 years of government meddling in the free market we have reached the last step in the destruction of the dollar’s value. The current administration’s quantitative easing policy and it’s attempt to take over 18% of U.S. GDP by nationalizing the health care industry, all but guarantees gold going to $1,200 before the end of the year and much higher after that.

Gold investing tips you need to profit

The best gold investing tips are simple ones that are easy to remember and to follow. With both physical gold and gold stocks buying weakness and selling strength is the key. We are in a bull market in gold, so if you buy on weakness, you may not catch the exact bottom, but you are buying at the right time. Another gold investing tip which relates to selling into strength is to not get greedy. Nothing goes straight up, so it is important to set goals for stocks when you buy them. If you set a goal of 25% profit, stick to it, with at least a portion of your shares.

Another important gold investing tip to remember is, there is no profit or loss until you sell. It does you no good to watch your stock rise and then watch it go all the way back down without taking profits. Set your goals and stick with them. If the market is really running put a trailing stop on your position so that it triggers a sale automatically if it drops by the percentage that you have put in. If the stock continues up, the trailing stop follows it up and won’t be triggered unless it drops that set percentage.

As far as gold investing tips for the physical coins or bullion the same rules apply, but right now I would put them on hold. Any coins or bullion that is purchased now should be held for the long haul because the price of gold is going to go much higher in the next couple of years. Gold will increase in price until we get a fiscally responsible government, and not before then. These gold investing tips will help you through the trying times to come.

Don’t make the same mistakes I did Investing in Gold, check out our free guide to gold investing and avoid the pitfalls and increase profits when gold investing.


Investment Tips to Get Started

The following are some great investment tips. Whether you are brand new to investing or need a refresher before you start spending your money, these investment tips can get you started on the right path towards greater wealth.

Invest in what you Know

When you hear investment tips, you will often be told to invest in one you know. This is because it is a very smart rule to follow. This means you should never put your money into anything unless you fully understand what you are doing and you know all about what it is.

For example, if a friend tells you about this great company that is selling stock and all you know is that the company sells something in technology, don’t buy. At least, don’t buy it until you’ve spent many hours understanding the business and understanding what they do. If you still can’t figure it out, stay away.

Invest Frequently

Frequent investing is a great way to take advantage of dollar cost averaging. If you buy stock all at once only one time per year, you are sacrificing a lot that you would get by investing once per month or more frequently.

First, if you are saving up money and leaving it in a bank account, you are giving up all the gains you could be getting in that year. Second, by investing equal amounts more frequently, you get more shares at a low price and fewer at a high price. The main idea is to get the lowest purchase price possible, and this will help you out a lot.

Invest More

The more money you invest, the more money you will make. This is a simple investment tip that could make a million dollar difference. If you invest $10 a month, you’ll have a lot more money in 30 years, or you can invest more per month and have a lot more money in much less time.

Try to sacrifice things that you don’t care much about now instead of sacrificing your time. In the years to come, you will be very glad you did. Start by increasing your contributions by 10% and see where it goes from there.

Monitor your Investments

Never buy shares of stock in a company and forget about it for 5 years. The same goes for other securities. Don’t check the prices every 10 minutes, but you will need to find a comfortable medium.

Also, monitoring your investments doesn’t just mean watching the prices now and then. You have to continue to research on a regular basis and watch the company itself. Take this step and save yourself a lot of pain and money.

Practice Investing for Free

Great investment tips must include the benefit of practice. Getting your hands wet in the markets is a must if you want to learn and do better and better. If you aren’t ready to start investing real money or you want extra practice with taking risks, start with a free stock market game. You can sign up below.

If you want to be a successful investor, you need to have the right knowledge and experience. Do you want to practice and learn more about investing in stocks for free? You can sign up for a stock investing game [] and also have the chance to win free cash prizes and gift cards. Get the knowledge and experience you need for free.


Easy Investing Tips

Do you want to make more money without having to get another job? You can do that by investing the money you already have. Just by putting a little extra money aside on a regular basis, you can make your money grow on its own. Here are a few investing tips to get you started on your way to wealth.

Find an Investment Type you Feel Most Comfortable with

It’s important to invest in something you understand and can do well with. Don’t simply go just for whatever people seem to be making the most money with. I’m not saying to forget about the money because this whole thing has to do with making money, just don’t follow whatever should make you money. Do what will make you money.

In order to do this, you will have to learn and go through some trial and error. It’s all about the process. Following investing tips is not enough, you need to start doing. When you notice something is working, run with it.

The More Money you Invest, the Better

Of all the investing tips, this is the most self-explanatory. The more money you invest, the more money you will make. If you invest $100 and earn a 5% return, you will earn $5. If you invest $1,000 with a 5% return, you will get $50, and so on. Invest this regularly and your riches will build up faster and faster. It is one of the best things about investing.


No matter what type of security you buy, diversify. You can diversify across securities, within one security such as stocks, or however you feel necessary. Learn how to correctly diversify. Just buying stock in 10 different companies isn’t enough. Diversifying across industries is more important.

Be a Proactive Investor

Even if you choose to invest in mutual funds and have little to do with choosing the individual securities, you should still know about your investments. Check them out from time to time and do your research. Make sure you fully understand the types of investments you have and how they work. This will help you as you build your wealth.

Never Give Up

I know this may sound like something you would hear from a life coach or an overzealous friend, but it’s true in many areas of your life. It’s fine if you have to give up on a corporation and sell or give up in real estate because it’s not a good fit for you, just don’t give up on investing as a whole. Find something that suits you better and keep investing. Hopefully these investing tips will help you get started.

If you want to be a successful investor, you need to have the right knowledge and experience. Do you want to practice and learn more about investing in stocks for free? You can sign up for a stock investing game [] and also have the chance to win free cash prizes and gift cards. Get the knowledge and experience you need for free.