Are you looking for a brighter furture?

Is the grass greener at another real estate company?

In this tough housing market, have you wondered

"Is the grass greener at another company?"

At Milicki & Associates, it really is!

Our goal is to create a environment of freedom, respect and support for our elite agents that will allow them to achieve the success that they deserve in the real estate industry.

Unlike many other real estate firms, we have in-office marketing, advertising and office support to help your business start, build and thrive while at Milicki & Associates. We are not frightened by changes in the real estate market in fact we embrace the changes! Referrals, floor duty programs, monthly office newsletters and personalized training are another way that we differentiate ourselves from the competition.

Do you have health an dental insurance? What about a 401k plan? At Milicki & Associates, we not only want to help your business grow and expand; we also want to help you take care of your most important assets - yourself and your family!

"Exceeding Excellence Everyday" is not just our motto, it is our promise to our clients, our team of agents and ourselves!

If you would like to see how the grass is greener at Milicki & Associates please contact our office at your earliest convienience. You will not believe how a simple change can make such an enormous difference in your business and your life.

Anita C. Young
770-874-2022
anitayoung@milicli.com

Pick the right pro at the right price

To keep a lid on home-improvement costs, hire only the expertise you really need.

By Josh Garskof, Money Magazine contributing writer
October 23, 2009


(Money Magazine) -- For anything from a small upgrade to a major remodeling job, perhaps the most important decision you'll make is whom to hire. You'll seek out a top-notch worker with a stellar reputation, of course, but first you'll have to decide what kind of expert you're looking for.

That choice can have a dramatic effect on the cost of your project. Whether you're wondering if you really need an architect to design your new den or debating whether a handyman can handle your wiring job, here's how to figure out which pro to call.

Specialist or handyman?
The difference: Electricians, plumbers, and other specialists have the know-how to tackle any project in their area of expertise, but they cost at least $75 to $100 an hour.

A handyman doesn't have that depth of experience but has the advantage of breadth: He'll not only hang your ceiling fan but repaint the ceiling too. You'll typically pay just $25 to $50 an hour for an independent handyman. Franchises such as MrHandyman.com and HouseDoctors.com will charge you more -- $50 to $100 an hour -- but are likelier to insure and bond their crews. (Both handymen and specialists may tack on an extra fee for small jobs.)

How to decide: For jobs that involve inside-the-wall changes to electricity, plumbing, or heating or cooling systems, go with a licensed specialist.

General contractor or several tradesmen?
The difference: A general contractor will handle a renovation, addition, or remodeling job from soup to nuts, bringing in whatever subcontractors he needs -- plumber, tiler, roofer, and so on. In exchange he'll mark up the subs' fees by 10% to 20%. Or you could hire those same contractors yourself and save thousands.

How to decide: If you need only one or two subs -- perhaps a plumber and a granite guy for those new counters -- and you're a veteran home improver, go for it on your own. Otherwise, a GC will spare you the hassle of getting referrals and doing due diligence on a host of pros as well as the delays and cost overruns you'll encounter by juggling multiple tradesmen yourself.

Architect or contractor?
The difference: When a contractor designs a project, he looks for efficient, cost-effective ways to achieve your goals: A family room addition is likely to be a boxy appendage off the kitchen, for example.

An architect is trained to design the new space around your family's lifestyle and to weave it seamlessly into the existing house. But his fees will also add at least 5% to 10% to your project cost -- and his design will probably cost quite a bit more to build than a general contractor's.

How to decide: Bring in an architect for any project that involves a significant alteration to your floor plan or exterior or will entail spending more than 10% of your home's value. You'll stand a better chance of coming away with a design that adds charm and value to your house.

http://money.cnn.com/2009/10/23/real_estate/home_improvement.moneymag/index.htm?postversion=2009102305

America’s First Millionaire

An excerpt from “The Millionaire Real Estate Investor”, by Gary Keller with Dave Jenks and Jay Papasan


“It’s a little-known fact that America’s first millionaire was a real estate investor. A German immigrant and the son of a butcher, he was named John Jacob Astor. In the early 1800’s Astor got rich trading in furs, tea, silk, and fine china, but that was not where his real fortune was made. Eventually he invested his trading profits in something that would prove to be even better: real estate. His most profitable investments were in New York City, and before long the man known as “Manhattans Landlord” was widely acknowledged as the wealthiest person of his time. He has not only become America’s first millionaire, he was now its first multimillionaire. Shortly before his death Astor reportedly said, “Could I begin life again, knowing what I now know, and had money to invest, I would buy every foot of land on the Island of Manhattan.” Astor passed away in 1848, leaving over $20 million to his heirs. ($20 million may not seem like a great fortune now, but in 2005 dollars it would be the equivalent of about $458 billion.) This immigrant butcher’s son not only was America’s first millionaire and multimillionaire, he was also America’s first Millionaire Real Estate Investor.

I love the story of John Jacob Astor because it captures both the art and science of investing. The art inspires us, and the science instructs us. The fact that an immigrant butcher’s son could build America’s first great fortune is the inspiration. The fact that he did it through real estate is the instruction. This is consistent with my experience. I believe there is an art and a science to achieving your highest potential in any endeavor, and building financial wealth is no exception. The art of real estate investing is about becoming inspired to overcome your MythUnderstandings and think like a millionaire Real Estate Investor. The science is about learning and applying the models these successful investors use. Up to this point we’ve addressed the art. It’s now time to address the science: the Five Models of the Millionaire Real Estate Investor.”

PETITION: Stop the Home Valuation Code of Conduct

"Petition to stop the Home Valuation Code of Conduct.

In the past few weeks, we’ve talked about the new appraisal rules and how they’re impacting our business. Now, here’s a video explaining the situation more in-depth along with a petition to ask the House to enact an 18 month moratorium on the HVCC (in the form of House Bill 3044)
http://www.hvccpetition.com/Video.aspx"

Do You Have Above Average Credit?

"Do you Have Above-Average Credit?


Forty-two percent of U.S. consumers have credit scores between 550 and 699. As a result, these consumers typically don’t qualify for preferred interest rates and, depending on their overall credit profile, they may not even qualify for certain loans and credit cards. The primary challenge is that most consumers don’t understand what impacts their credit profile and, more importantly, don’t know what actions they can take to help improve it. This short quiz will help test how much you know about your credit profile and how it works.

1. To have the best credit profile impact, what is the maximum amount of your monthly credit line you should use?a) 70%b) 30%c) 50%

2. What is the top contributing factor to what makes a good credit score?a) Length of credit historyb) Amounts you owec) Payment history

3. If you pay 2% each month on your credit card (typical minimum payment), when will you pay off a $3,000 balance at 10% interest?a) 18 yearsb) 6 yearsc) 3 years

4. After paying off a high-interest credit card, you should:a) Continue using it occasionallyb) Close the accountc) Use the full amount of available credit every month

5. Applying for credit cards in order to just receive a free sign-up gift (t-shirts, mugs, etc.) has no impact on my credit profile?True or False

6. Rewards points on credit cards are a good deal when:a) I get cash backb) I get free airline ticketsc) I carry no balance each month

7. To have a credit score, I must have at least one creditor reporting activity on my credit report for:a) 12 monthsb) 8 monthsc) 6 months

8. Credit bureaus that manage your personal credit report data and credit scores are a:a) Government entityb) Non-profit agencyc) Regular business corporation

9. Banks and credit card companies think you are credit-worthy by how many credit offers you receive by mail?True or False

10. Credit scores are used by lenders mainly to: a) Tell how I compare to other consumersb) Tell if I make my payments on timec) Predict the likeliness that I will repay my loan on time

Answers: 1 - c, 2 - c, 3 - a, 4 - a, 5 - False, 6 - c, 7 - c, 8 - c, 9 - False, 10 - c

If you find you answered more than half of these questions wrong, you’re not alone. In a survey, we found that the majority of consumers do not know the answers to these and similar types of questions. On average, U.S. consumers have a total of 13 credit obligations on their credit report. These include installment loans (auto loans, mortgage loans, student loans, etc.) and credit cards (such as department store charge cards, gas cards, or bank cards). As a result of the numerous outstanding credit obligations, combined with the lack of proper knowledge and guidance about what impacts their credit profile, the average U.S. consumer ends up spending thousands of dollars on unnecessary interest expenses.

The good news is that it’s not too late. With a good understanding and proper guidance of how credit works, consumers can learn how to effectively manage their personal credit profile. Improvements can be obtained fairly rapidly with credit coaching services and the proper changes (no more trial-and-error stuff). Our survey group of customers who participated in a credit optimization and coaching service saw their credit scores increase by an average of 30 points in just four months as a result of more effectively managing their credit. More than ever, every responsible consumer should proactively evaluate, optimize and protect their credit before they have a required credit need or an issue arises.

Market Issues by Jeff Mandel and Marlin Brandt
Read more: http://rismedia.com/2009-07-11/do-you-have-above-average-credit/#ixzz0L9hxN2JV&C "

Milicki and Associates
110 Evans Mill Drive, Suite 103, Dallas, Georgia 30157
Office: 770-874-2022 Toll Free: 1-866-966-3022 Fax: 770-8742027
www.milicki.com info@milicki.com

"The Key to Influencing Others"

"Do Nice Things For Others...
One of the best ways to influence someone is to do something nice for him.

I know many successful salespeople who make a habit of taking their prospects out to breakfast or lunch. During the breakfast or lunch, they do not talk about their products or services unless the client brings it up. They merely make small talk, ask questions and listen.

They work on building trust, and they work on establishing a friendly relationship. At the end of the breakfast or lunch, they tell the prospect that they will be getting in touch with him sometime in the future with the possibility of talking to him about helping him in some way.

See Them As Friends and Partners...
The best salespeople and businesspeople in America today are those who look upon their customers and prospective customers as friends and partners.

They always look for ways to help their partners improve their lives in ways that are not directly related to the products or services they sell. They sow seeds, and they reap a harvest. They trigger a desire in people to reciprocate.

When the time comes for those salespeople to approach their prospects with the possibility of buying their products or services, the prospects are wide open to the questions and inputs of the salespeople. The prospects have a deep-down desire to reciprocate.

Send Thank You Notes...
One of the best ways to use this principle in your interactions is to continually look for ways to say and do positive things for people. Look for ways to do kind acts and favors for your friends and prospects.

Send thank-you notes. Send birthday cards. Send clippings from newspapers about subjects that you feel may be of interest to them. Always keep your promises, and follow up on your commitments.

Always do what you say you will do. Do everything possible to put in, knowing confidently that you will ultimately be able to get out far more. You will reap if you sow.

Be A Go-Giver Rather Than A Go-Getter...
Someone has observed that no one ever built a statue to a person to acknowledge what he or she got out of life. Statues are built only to people to acknowledge what they gave.

The most powerful, influential and successful people you will ever meet always look for ways to do nice things for others.

When you meet someone under almost any circumstance, one of the best questions you can ask is this: "Is there anything that I can do for you?"

Always look for ways to put in rather than to take out. The successful man or woman of today is a "go-giver" as well as a go-getter.

Be Open and Empathetic...
The more that people feel that you are open and empathetic and sensitive to their needs and concerns, the more open they will be to your influencing them positively in some way.

And the more you can influence others with the power and impact of your personality, the more you will accomplish, and the faster you will accomplish it. The more rapidly you will move toward the great success that you desire and deserve.

Action Exercises:

Here are two things you can do immediately to put these ideas into action.

First, look for ways to do nice things for other people, especially your family, friends, and customers. The more nice things you do for others, the better you feel about yourself.

Second, take time to really listen to people, especially your staff and coworkers. The more and better you listen to others, the greater is your influence over them."
~Brian Tracy

Milicki and Associates, Inc.
110 Evans Mill Drive, Suite 103, Dallas, Georgia 30157
Office: 770-874-2022 | Toll Free: 1-866-966-3022 | Fax: 770-874-2027
www.milicki.com | info@milicki.com

How to Make Your Offer Stand Out

"I get calls all the time from buyers who say they are DONE with their current agent. They tell me their current agent is not doing a good job because they have made multiple offers on homes and they have not gotten one house. I get very saddened by this only because I know from my own experience that it is tough out there right now for agents. There are so many numerous factors that are hindering the realtors and clients do not understand it.

First, people want to see a particular home. So the agent will call only to find out that the home really is not active and that it has multiple offers on it. The status really and truly should be changed to pending or back up or hold depending on the situation. I cannot tell you how many times I call only to find out a home is not available. Many times, I can leave messages for other agents and they never get back to me because they are "too busy" aren't we all. The board of realtors will be fining agents for not putting homes that truly are not active in their proper category so the other agents do not waste their time. I called on over 40 homes in Fontana the other day and one 1 was truly available.

The offer you make needs to stand out. What do I mean by stand out? Well, first you need to make sure you are working with a reputable bank...not ABC Mortgage in timbucktwo...you need to work with someone that people respect, such as a big solid bank like say for example Wells Fargo would be good. Anyone knows they are very strict with their lending. So, get a pre-approval, not a pre-qualfication letter. Also, when trying to buy a REO listing (Bank Owned) they do have you cross qualify with their lender which is normal. Many people do not understand this and get upset over it. Just do it, otherwise, your offer will not even be looked at by the bank.

Don't ask for a lot of concessions. By this I mean, don't ask for closing costs if you don't need them. That will net less to the bank and someone may outbid you on a property. If at all possible make your best offer. I always run comparables for my clients so they are not over paying. One thing many people think is if they are the highest and best offer out there they certainly will get the house. Not necessarily if it is over the appraised value the bank won't allow the sale to go to you. They know the market and know what the home should sell for, they want to get the closest to that they can. So, make sure you know what the house is worth and don't overbid.

The type of financing really matters to the banks these days for an REO listing or (Bank Owned). Cash is best, but most people don't have all cash. Conventional financing is best over FHA/VA loans. However, it is what it is and just keep trying. The inventory has been down therefore, homes are getting multiple offers. You want to get over to see a house as soon as it is listed and make an offer right away, don't wait or it will be gone.

Don't blame your agent if he/she writes up your offer how YOU wanted it. Remember, your agent represents you and you need to make sure you are happy with it before it is submitted. It is not totally an agents fault, we must take responsibility for our own actions and not be so tough on the agents. It is hard to get a house accepted with you are competing with so many other offers. You need to figure out what you can live with and not ask for on a home to make your offer stand out. And, you need to ask yourself how much you are ready to pay. See the comparables that your agent should provide you, and if they don't ask to see them.

Keep your offer as simple as possible and make sure it nets the bank or seller the highest amount possible and that should help you have a stronger offer."
~ Joan Patterson

Milicki and Associates
110 Evans Mill Drive, Suite 103, Dallas, Georgia 30157
Office: 770-874-2022 | Fax: 770-874-2027
www.milicki.com
csmith@milicki.com

ATTN GA Agents: New Regulations to Effect Your Closings!!! PLEASE READ!

There are new federal regulations that WILL DEFINITELY impacts your closings starting 7/30/09. These regulations, HVCC and HERA -HOEPA, are designed to protect consumers by making them more informed about their home loan choices. A few highlights:

-HVCC: Requires that all consumers receive a copy of their appraisal no less than 3 days prior to their closing; therefore, closings should not be scheduled for at least 10 days AFTER the lender receive the appraisal to allow sufficient time to underwrite the appraisal, to mail the appraisal, and to provide 3 days for consumer review.

-HERA -HOEPA:
1. The EARLIEST a consumer can close their home loan is 7 business days AFTER receipt of initial disclosures. Disclosures are not sent to the consumer until after we receive the initial loan decision. (Encourage your clients to get a preapproval as soon as they start the home buying process!)

2. Lenders are now required to issue a Truth-In-Lending (TIL) Disclosure at least 3 business days prior to closing. If the actual APR at closing is .125% more or less than the APR in the initial TIL, lenders will need to re-disclose a new TIL and the closing will have to be rescheduled for 4 business days later (this will SIGNIFICANTLY impact the ability of Mortgage Brokers to meet your closing deadlines!)


There are several other changes under HERA-HOEPA which can impact your closings. Without going into much detail, I would suggest following these guidelines to insure a positive client experience:
1. Encourage your clients to get a real pre-approval at the beginning of the home buying process - make sure that the lender reviews these federal guidelines with them at that time.

2. Identify the closing attorney as soon as the contract is written and obtain their fee sheet as their fees can have an impact on the APR.

3. DO NOT schedule a closing date until at least 30 days after the contract is executed to avoid missed closings.


Anita C. Young, Broker
Milicki and Associates
110 Evans Mill Drive, Suite 103, Dallas, Georgia 30157
Office: 770-874-2022 | Fax: 770-874-2027
anitayoung@milicki.com
www.milicki.com

Spring Fling 2009 - What a Success!

Fun was had. Giveaways were won. Champagne was given. Food was eaten. We came. We conquered.

Yesterday, we hosted our first Spring Fling company event. Located at Lost Mountain Park, the attendance was great. Agents, office staff, and their spouses and children were present – as well as a few of the sponsors of the event, including Jabar Dozier from American Family Insurance, Brad Hartman from Cornerstone Mortgage Group, and Steven Smith from Colonial Bank.

As promised, we had many FANTASTIC giveaways. To see what you missed out on, here is a list of the giveaways and winners:

Milicki and Associates sign pack - Vanessa Williams

Milicki and Associates polo shirt - Rhonda Sosebee

$10 printing credit in the office - Nick Guerrero

$10 printing credit in the office - Phyllis Sands

$10 printing credit in the office - Brad Hartman

5 Milicki and Associates folders - Ebony

5 Milicki and Associates folders - Bonnie Smith

5 Milicki and Associates folders - Frank Milicki

Stars and Strikes gift card set - Mallory (Steve’s Daughter)

Stars and Strikes gift card set - Austin (Anita’s Son)

Stars and Strikes gift card set - Joy (Phyllis’s Daughter)

Stars and Strikes gift card set - Jabar Dozier

Stars and Strikes gift card set - Dominque

Panera Bread gift card - Steve and Kathy Milicki

Panera Bread gift card - Victoria (Bonnie’s Daughter)

Panera Bread gift card - Nanette Stewart

Chili’s gift card - Michael Stewart

If you really missed out on the event, no worries!!! We will be having another company event later this year.

We have pictures and videos of the event. The pictures are already up on Facebook and MySpace. If you do not have a profile on either of these websites, you need one. Until you can get a profile on these websites, you can view the pictures here:

http://www.facebook.com/p.php?i=23203559&k=R5M2ZV64UY4M5JDGPA42YT

Spring Fling 2009

SPRING FLING 2009

Our Spring Fling event is almost upon us..... only days away! Remember that you can bring your spouse, children, and agents that you would like to recruit to Milicki and Associates' elite fleet. ALL YOU HAVE TO DO is RSVP by 6.12.09!! To RSVP or if you have any questions, please email Constance at csmith@milicki.com or call at 770-874-2022.

Free food, free fun, free giveaways.

We Have a New Real Estate Agent Who Has Joined Our Team

We are delighted to introduce the newest member of our real estate agent team, Bonnie D. Smith. She lists and sells homes in Atlanta, Carroll county, Cobb county, Douglas county, East Point, Stone Mountain, and Temple. Please feel free to contact her with any real estate questions that you may have! You can also check out her website. You can also contact her through email at bonniesellhouses@yahoo.com or by phone at 770-874-2022 or 770-845-0488.

Milicki and Associates

770-874-2022
www.milicki.com

Did the Recent Hailstorms Kill Your Roof? In Need of a Roofer You Can Trust?

"Though rain is essential, the recent precipitation has left some homeowners with a leaky situation.When it comes to roof damage, you may not see a leak immediately. It could takes years before damage affects the interior of your home.If you were hit by strong storms or hail recently, it makes sense to have your roof checked for storm damage and get in line for a roof replacement covered by your insurance company.

There is no need to rush unless you have water pouring in your roof, so take time to research the contractor you choose. If you're not careful, you could get ripped off -- which is the last thing you want to deal with in the aftermath of storm damage. Here are a few pointers to keep in mind when shopping for a roofing contractor:

1. Make sure they have valid insurance, plenty of references, and have been in business for as long as the warranties they are offering you.
2. Check with the Better Business Bureau, and log on to the Internet and see if the company has an office (or not).
3. Check to see if the roofer is registered with the Georgia Secretary of State.
4. A down payment shows good faith on your part, but you should never give a roofer a down payment until the materials are delivered to your driveway, and the crew begins working. This proves the contractor can finance or pay for the materials on his own. Limit down payments to 30%-40% of the contract price, so the roofer has good reason to complete your job."

~Kudzu Connection

If all else fails and you cannot find a suitable, affordable, respected roofer, you can contact our office for one of our trusted vendors:

Milicki and Associates

770-874-2022

http://www.milicki.com/

Featured Properties

If you see a property you would like to view or get more information on,

please contact our office at:
770-874-2022
http://www.milicki.com/

115 Summit Lane, Bremen

This is a lovely 4 bedroom, 4 bath home on 1-2 acres. Located in the sought after Bremen school system, this brick home has gorgeous, large rooms and nine foot ceilings. Currently listed at $329,900, this home is an amazing home!

102 Overlook Court, Dallas

What an adorable home? This 3 bedroom, 2 bath ranch home is perfect for anyone: first time homebuyers, empty nesters, families, etc. The master bedroom and bath is amazing and includes trey ceilings and a jet tub. The gourmet kitchen is also an eat-in kitchen. Listed at $140,000, this home also has a lease purchase option.

356 Academy Drive, Dallas

Located in the city of Dallas, this 1.5 acre lot of land is perfect for any commercial need. It is near the Kroger / QT shopping center on Highway 278. This property is sold as-is, and all utilities are available.

If you see a property you would like to view or get more information on,
please contact our office at: 770-874-2022

http://www.milicki.com/

Featured properties

If you see a property you would like to view or get more information on, please contact our office at:

770-874-2022

www.milicki.com

545 Rangeley Meadows Court, Hampton

This 5 bed, 4 bath home is located in the Hampton Estates. With almost three acres, this home has a great deal of space. Inside, this European, traditional style home has lots of closet space, large bedrooms, custom trim work, and trey ceilings. As a well kept home, it is ready to move in after closing. A formal dining room, large family room, and great floor plan make this home an amazing deal! Currently listed at $243,000, this home will not be on the market long!

1080 New Hope Road, Atlanta

With recent renovations, this two story, traditional home includes hardwood floors on the main level, a new entrance foyer, and a finished basement with built-in bookshelves. To add to the appeal, it has 3 bedrooms and 2.5 bathrooms. The exterior is a stucco finish. Along with cathedral ceilings, an inviting entrance, and exterior out building, this property also has almost half an acre of land with it. The current asking price is $134,900.

52 Garner Farm Court, Dallas

Located in the East Paulding school system, this home has a great deal to offer any buyer. A fenced yard, lovely deck, flowering trees and shrubs, and Victorian look create a home environment like no other. A home like this is very rare. The dining room even has bay windows so you can admire the lovely, flowering plants. Trey ceilings and wall-to-wall carpet make this home extremely inviting and cozy. Currently listed at $139,900, this adorable, Victorian home will fly off the market!

It REALLY is a great time to buy real estate!

It’s a Great Time to BUY!!!

You are in the midst of a buyers’ market; there has not been a better time to buy for many years!!!

Mortgage rates are at an all time low well under 6%. We have had rates quoted as low as 3.75%, and FHA loans are set to increase in it lending volume. FHA home loans are a practical alternative for many first time buyers. The Federal Housing Administration (FHA) insures the loan, so your lender can offer you a better deal, offering low down payments, low closing costs and easier credit qualifying.

Also, the Housing and Economic Recovery Act of 2008 was updated in the American Recovery and Reinvestment Act of 2009. For 2009 purchasers the tax credit is now $8000 and does not need to be repaid. The credit is available through December 1, 2009 giving qualified buyers only a short window of opportunity to take advantage of this special program. Also, the Emergency Economic Stability Act enacted on October 3, 2008 will help to improve credit markets and allow housing to lead the economic recovery.

Owning a home is a terrific investment in your future, Sellers are motivated and there is a large inventory of homes available. The inventory of available homes for sale is at a 15 year high. The choice for buyers is nearly unlimited. Sellers are willing to be pliable in the negations for the sales of there properties. This is a TRUE Buyers Market!

Housing Market Facts

NAR (National Association of Realtors) has created a new website www.HousingMarketFacts.com to help consumers find out the latest information about the housing market and the issues that affect you, information specifically for buyers, how to do more research, and learn more about the benefits of homeownership.

Taking Care of You!

Before beginning your home-buying search, talk to a professional about the benefits of Buyer representation. A Realtor acting as your buyers’ agent will promote your interests and guide you through what can be a very multifaceted and sometimes confusing transaction. Speak to several agents and make sure that the one you choose is someone you can work will with. The process of buying a home is very stressful you want someone that will reduce, not add to the stress.

Part of our mission at Milicki & Associates is our pledge to promote a fun, fulfilling and respectful environment, that is open to transformation, innovation and provide personal growth opportunities for all. You might want to speak to one of our Realtors, you can check them out at
www.Milicki.com under buyer information you can click on Find a Realtor tab.

Are you ready to invest in real estate?

Have you been thinking about becoming an investor in the Real Estate Game? Does it sound like the right thing for you? There are several things to consider before taking the big step into Real Estate investing. Take a moment and consider just a few.

Don't let fear stop you. If its fear alone that is holding you back then you're probably missing out on a great opportunity - EVEN IN A DOWN MARKET. Fear is the number one success killer. No matter who you are, you can succumb to fear and lose a lifetime of opportunity.

Don't even think about investing without a business plan. Why do you want to invest? (Write it down) What types of investments do you want to make? (Write it down) What are you going to do with your investments? (Write it down) Moving forward in any business without a plan is a formula for disaster. You'll run the risk of being swept away by emotional impulses if you don't have a plan. Remember if you don’t have a plan you can’t stick to that plan. You can always make minor adjustments along the way but don't deviate from that plan without a great amount of painful consideration.

Use leverage instead of cash. ALWAYS use other people's money even if you think it's too expensive because it's never as expensive as using your own cash. I recently had a first time investor come to me wanting to pay cash for properties. I showed him how it would take only a few deals to completely delete his entire savings. Instead he could leverage what he has and amass a great number of income producing properties in a very short period of time.

One more point that I would like to make, to investors, you must be able to afford to make the payments on the property for a lengthy period of time even if the property is not leased.

Should you seriously considering throwing your hat into the investing ring? You might want to do some serious research. I also recommend that you sit down with a Real Estate Broker that specialize in investment properties and a Lender (banker) that specialize in lending to investors and determine what it is that you want to do and what it is you are able to do.

Investing is not for the weak at heart. But it can be extremely profitable. Donald Trump, Robert Kiyosaki even the McDonalds Corp. have proven that you can become unbelievably rich through real estate investing. But you must first educate your self and build a team of experts to assist you in reaching your goals.

Allow us to introduce ourselves!!!

I would like to take the time to thank your for being a part of the Milicki & Associates blog.





Milicki & Associates is a full service real estate company. Our main office is located in Dallas, GA. Our goals are to provide information to anyone interested in real estate. Information is the first component to being able to make a good and reasonable decision on the buying or selling of real estate.

Milicki & Associates, Inc. has developed a strong, positive reputation in the real estate community. Our company is comprised of people who live and work in the surrounding communities. We have a personal knowledge of each neighborhood's nature, growth, and development potential. Based on this, we strive to find the perfect fit for each client and their family. Each of our client's needs are special. Whether your focus is schools, shopping, transportation, or recreational facilities, our associates will draw upon their knowledge of the local areas to find the ideal properties to meet your needs. Are you one of the growing numbers of real estate investors? Our commercial division is more than capable of providing our clients with commercial and income property opportunities. Take the time to look at our investor tool box we have lots of information to assist you in making the best possible decision on an investment property.

Our best asset is our people. Our dedicated and talented staff of real estate professionals will make every effort to make sure your transaction goes as smoothly as possible.

Our pledge is to promote a fun, fulfilling and respectful environment, that open to transformation and innovation, and provide personal growth opportunities for all.

Our goal is to be your real estate company of preference.

We understand the need to earn your business. We provide you with a high-touch philosophy that has a high tech edge. We have rapid access to information on the market and the technology to help us analyze the market conditions to provide you with the most up to the minute information.