How to Become Motivated : Planning Smart

How to Get Motivates Planning SuccessMel wrote in asking How to Get Motivated, so she can achieve her goals? In this article, I will provide you with a step-by-step plan used by psychologists to help their patient’s reach their goal’s.

Most article’s that try to tackle the issue of How to Get Motivated, just provide tips on Smart Planning, Setting Goals, etc. Here I’ll teach you how to rewire your brain so that motivation will be a driving force.

Continue reading How to Become Motivated : Planning Smart

Get People to Like You : How to Win Friends Influence

Get People to Like youRomeo648 wrote in asking how to get people to like you? Today I’ll give you numerous examples of ways to get people to like you.

What is Rapport

The first technique we are going to cover is rapport building. The definition of rapport is the development of a close and harmonious relationship in which two or more people understand each other and can communicate well.

Continue reading Get People to Like You : How to Win Friends Influence

Gestures and Body Language: Mouth and Legs

Gestures and Body Language LegsToday I’m going to go through all of the Gestures and Body Language Analysis technique’s used to study the legs and mouth. This information was pulled from countless books and law enforcement manuals on body language analysis.

This article was requested by KellyBee23, a regular blog reader. If you have any question’s, leave them in the comment section below and the next article can be about your question.

Continue reading Gestures and Body Language: Mouth and Legs

Arm and Hand Body Language

How to Win an ArgumentIn this article, I’ll cover  Arm and Hand Body Language Analysis. I know doubt know someone that reads this article will say to themselves, “I just feel more comfortable with my arms crossed in front of me.” Body Language Analysis is used because it has been proven to work for many people.

If you feel comfortable with a specific body position it is because you are feeling a certain way. Ask yourself, when would you feel comfortable with your arms crossed while enjoying yourself with a loved one? Have you ever seen anyone cross their arms in excitement? Just a few things to think about, as you read this article.

Continue reading Arm and Hand Body Language

Gestures and Body Language: Eyes

Eye Body LanguageKellyBee23, wrote me and asked, “Do you know how to read Gestures and Body Language? If so teach me.” Well KellyBee23, I’ve spent quite a bit of time studying Gestures and Body Language. Below I’ll list everything the expert’s agree on, in regards to what eye movement’s mean.

In future article’s I will cover all of the other part’s of the body. By the end you will be an expert in reading Body Language. I’ll create a Body Language Video as soon as possible.

Continue reading Gestures and Body Language: Eyes

What is the Tea Party?

What is the Tea PartyI’m writing this article because Mark5 wrote in asking, “What is the Tea Party?” I normally would never write about politic’s, but I stated I would answer any question posed to me. I’ll do my best to provide the most accurate information possible. So, here we go.

The whole concept for the name ‘Tea Party’, is based off of the Boston Tea Party. The Boston Tea Party was a protest by colonists against taxes imposed on them by the British government. The colonist’s demanded representation in the British Parliament in exchange for paying taxes.

Continue reading What is the Tea Party?

How to Control Emotions

How to control emotionsAkbar sent me a question, “How do I stop thinking about people who are mean to me?” I’m going to approach this question, by explaining how to eliminate negative thought’s and action’s. I’ll explain how our brains retrieve these negative thoughts and in doing so also explain how to keep yourself from having these thoughts.
Continue reading How to Control Emotions

How to Win an Argument

How to Win an Argument

I was sent an email from Kelly B, asking me “How do I win an argument?” I read a bunch of book’s on the subject and this is what I found:

  • Don’t argue
  • Use welcoming body language
  • Get them to like you
  • Listen to their side
  • Avoid saying the word that they dislike. Ex. Abortion, Immigration, etc.
  • Get them to agree they will listen out loud
  • Get them to agree with your core principle out loud
  • Tell them they have crafted your new beliefs
  • List all of the issue’s you agree on and the new one they previously disagreed on

Continue reading How to Win an Argument

Indirect Hypnosis Mind Game’s

Indirect Hypnosis Mind GameWhen I was young I used to love performing what are called suggestibility test’s. These are tricks that make the other person think you have power over them. I didn’t know it then, but if you master these technique’s you will be able to hypnotize people without them knowing. This is what they call indirect hypnosis.

These tricks can be used to amuse others or to improve your ability to hypnotize others. I’ll teach you the trick’s in the order of complexity.

Continue reading Indirect Hypnosis Mind Game’s

Programming for iPhone: Introduction Pt 2

Tragic Eleven iPhone AppIn this article I will wrap up the creation of the Tragic Eleven Ball App. We will create a icon for your app and then I’ll give you all the code you need. If you missed the first article, go check out Programming for iPhone Pt 1 first!

Creating an App Icon

To create an icon for your new app, create a good representative of what your app does and save it as a PNG file. The dimension’s must be 57 x 57 pixel’s. You don’t need to round the edge’s or add a glare to the button. The iPhone software does that for you. Here is the one I made, to the left. Save it as icon.png.

Continue reading Programming for iPhone: Introduction Pt 2

Make an iPhone App Pt 1

Make iPhone AppThis is the second series I’m doing on iPhone and iPad programming. The first time I covered the underlying language called Objective C. If you haven’t seen that already, go there first. Objective C Tutorial

In this series I will teach you how to program for the iPhone / iPad, by showing you how to make working app’s. First, you need to understand the concept of the Model-View-Controller.

Model-View-Controller

In the programming world there are things called Design Patterns. You really should understand OOP Principle’s before you try to move into the world of Design Pattern’s. Go here to learn Object Oriented Programming.

If you understand OOP, you’ll understand that a Design Pattern tells you how to structure objects and classes so that you can best solve specific problems. By using a Design Pattern:

  • Those you are working with will understand your code
  • You are coding with maximum efficiency

So, now back to the Model-View-Controller. The whole framework used to program on the iPad and iPhone, is based on the MVC. Let me give an example on how a user of your app will interact with the MVC interface:

  • The user interacts with the screen or View, by pressing a button
  • The View, or the button on the screen, tells the Controller that a button has been pressed
  • The Controller tells the Model that a button has been pressed
  • The Model, that stores all the data, functions, and state change information may tell the View to change. It may also get data required by calling specific function’s.
  • The Controller may require the View to change also

To break it down simply, the Model is the brain of the app. It knows what the app is doing at all times, knows when anything has been changed, knows what function to call when anything occurs.

The View knows when someone has interacted with it.

The Controller is contacted when the View has been interacted with and then decides what to tell the Model.

If you don’t quite get it, a few example’s should make it very clear.

The Tool’s you Need

You need the following tool’s to write iPhone/ iPad app’s:

  • A Macintosh Computer that run’s OS X 10.6 or higher (A Mac Mini will do the job)
  • You need to sign up to be a iPhone Developer http://developer.apple.com/iphone/
  • You need to download the latest version of the iPhone SDK (current version is 3.2, but 4.0 is in beta)
  • You’ll need a working knowledge of Objective C. You don’t have to be an expert, just be capable of reading code.

There are three versions of the iPhone SDK, which are all the program’s you’ll use to program with. They are:

  • The Free SDK: Allows you to create program’s, but won’t allow you to load your program on a real device, or upload them to the Apple App Store.
  • The Standard SDK: (Cost $99) Allows you to write program’s, load them on a device for testing and upload them to the Apple App Store
  • The Enterprise SDK: (Cost $299) All the functionality as the Standard version, but is set up to allow for more than one developer to work on the app at the same time.

In this presentation I’ll be using the Free & Standard SDK. You’ll more than likely use the same.

What Tool’s do you Get with the SDK

  • XCode: Is a tool used to write, compile and debug your app
  • Interface Builder: Is the tool used to drag and drop interface element’s on your app’s screen
  • iPhone Simulator: It will show you how your app will run on a simulated iPhone.

The Tragic Eleven Ball

The app we are going to make is called the Tragic eleven ball. It will allow the user to ask the iPhone a question, click a button and then get some bad news. I’ll walk you through how every line of code works.

Start up XCode

  • Double click on the XCode icon (The Welcome Screen provide’s links to documentation, video tutorial’s, sample code, etc.)
  • Click on New Project…, which lies under the File menu item
  • Click on Application, in the left sidebar, under the words iPhone OS
  • Click on View-based Application, in the center of the screen. (The View-based Application is the simplest to use. Since this is your first app, it only makes sense to use it.)
  • Click the Choose… button, and type Hello World, in the popup window

You are on your way to creating your first app. The XCode Application has many part’s:

  • Groups & Files: All of the file’s needed for your project are located here in folder’s.
  • Top Toolbar: Provides a quick click to commonly used tools. Click Build and Go and your app is compiled an run in the iPhone Simulator with a click.
  • Detail View: The window that lie’s to the right of Groups & Files and under the toolbar, is known as the Detail View. It provide’s you with additional information on the file’s you select in Groups and Files.
  • Editor Window: The biggest window is where you will edit and view your code.

Groups & Files

I feel I should provide some detail on the types of file’s contained in the Groups & Files Window:

Classes: This is were most of your code will reside. Since you named your Project Hello World, some file’s have already been created for you, as you can see if you click on the arrow next to that folder.

Other Sources: Here you will find pre-created framework’s (code library’s) and the main() method for your app. These file’s are also pre-made for you.

Resources: Here you store any data you might need. Such as: your app’s icon, Hello_WorldViewController.xib (the controller for your app), MainWindow.xib (The code needed to build your interface, or view) and the plist file that contains info on your app.

Frameworks: Pre-made code libraries available for your use.

Products: Contain’s the working app, after you compile it.

That’s All Folk’s

I hit you with a lot of information in this article. Tomorrow, or in the next article I create the rest of the code needed for the Tragic Eleven ball.

If you have any questions leave them below

Here to Serve

Think Tank

How to Video Blog

zefrank how to vlogI’m asked in the real world all the time the question, “How do I get rich on YouTube?” I have the answer for you today!

I have been studying all the big hitters for a while now. I will provide your answer and assume these things:

You are not extremely attractive, even though you are I’m sure!
You are not an amazing videographer.

Your not afraid to show your face.

You have a good personality!

If the above apply, you are in luck. As I studied all the most successful Vloggers, I came across one true shining star. His name is ZeFrank. He is, in my opinion, the greatest vlogger ever. He is probably the most successful vlogger as well. And, all the successful YouTubers seem to copy from him, to one extent or another.

Here is a sample of ZeFranks work. Note: If you are offended by a little swearing don’t watch this video. He swears a little.

[quicktime]http://www.mybusinessbuilders.net/Images/HowtoVideoBlog.m4v[/quicktime]

ZeFrank studied neuroscience, by trade and I think he applied everything he knows about the brain to his videos. I’ll now break down all the techniques he uses. To become successful, just copy as many techniques as you can.

Opening

  • He normally starts off every video by acting as if he is trying to chase away new viewers. This creates a feeling that you are in a private club with him. “Are the new viewers gone yet?” (Very Powerful Psychologically)
  • He then addresses you as a club member. (All his club members are called Sports Racers)
  • He refers to himself as Ze, ZeFrank and Knowledge.
  • Often shows a user submitted version of his logo, which is a rubber ducky. (Involves the viewers in the show and who doesn’t like rubber ducks?)

How to Video Yourself on YouTube so Viewers will Love you

  • He always videos his face up close, so that he fills the screen. (Easier to associate with him, because people normally watch small versions of the video on their computer.)
  • He edits his clips down so that there is a constant stream of words. (Doesn’t allow the viewers mind to wander.)
  • Edits out the blinking. (Might be something psychological to this?)
  • Moves his head between edits so that he is constantly moving in the video. (Keeps the viewers attention)
  • Talks to the viewer as if they are having a personal conversation. (Builds the relationship)
  • Tells the viewer he likes them and that they are friends. (Builds the relationship)
  • All videos are 3 to 3 1/2 minutes in length. (Optimum time so the viewer doesn’t get bored. Never go over 4 minute’s in length!)

How to Get More Comments on YouTube

  • Involves viewers by reading their comments. Titles this part of the vlog, showing its added importance. “Something from the comments”
  • Reads the comment from the last person to post a comment. (Creates an atmosphere in which viewers are fighting to make the last comment. Hence, tons of comments are posted.)

How to Get More Ratings on YouTube

  • If you are the last person to comment and you gave the video a good rating, you become the “King or Queen of the Comments!” (Now visitors are inclined to not only comment, but also to provide a good rating)

How to Get Video Responses on YouTube

  • If a viewer video tapes themselves performing a power move, they may be inducted into “The League of Awesomeness!” (Increases the number of video responses)
  • Once a person makes it into the League of Awesomeness, they also get a special code name.

Increase Viewer Activity on YouTube

  • Creates fun games that viewers can participate in like the “Earth Sandwich Project.” Here viewers team up to place a piece of bread on the ground at the exact opposite sides of the Earth.
  • Shows clips from other influential vloggers. Then people comment that they saw their video on the ZeFrank show. Then those people go to watch the ZeFrank show. (Technique used to infiltrate other popular Vlogs.)
  • Provides the viewers with the opportunity to create the format of his show. “Fabuloso Friday”

Build a Community of Viewers on YouTube

  • Sells T-Shirts emblazoned with the Sports Racer logo, that was created by fans.
  • Gives away Sports Racer ringtones, with the Sports Racer theme song.
  • Posts on a daily basis. (Creates a daily routine, where the viewer has to watch the new ZeFrank show.)
  • Use odd phrases that make the viewer feel like an insider. “Yes no I this is”, “I’ve got the walnuts, show me the baby”, etc.

How to Format an Interesting Show on YouTube

  • Mix serious news with comedy. (Some people like news, some like comedy, but everyone likes ZeFrank.)
  • Takes viewers on trips to places they may not have the opportunity to visit.
  • Created music videos that explained the news or where just pure comedy.
  • Break the show down into pieces that have a short theme song and funny name. “Things I like that are gay”, “Say the opposite”, “Something from the comments”, etc.
  • Attack someone that the general public doesn’t like. In ZeFrank’s case, he attacked George Bush.
  • Tell funny stories about photos. “President Bush pictured here wishing he had a mustache”, “Alberto Gonzalez pictured here patting the invisible man on the back”, etc.
  • End the show with an interesting closing, to reestablish the brand. “This is ZeFrank, thinking so you don’t have to.”

Other Random ZeFrank Vlogging Techniques

  • Talks to imaginary co-workers.
  • Posts video’s of his mistakes.

Other Vlogger Tricks

  • Another trick people use to get more views, is to post an opening title screen that is interesting. “Celebrity”, “Odd photo”, etc.
  • Obviously, an interesting title will draw attention.
  • Many attractive Vloggers get away with just being attractive.
  • The more videos you post, the better chance you have of hitting on a subject the masses may be interested in.

Wrapping Up

That’s pretty much everything I learned from watching the best Vloggers. I don’t necessarily think ZeFrank planned to do all that he did to trick people into watching him. I instead think he aimed to create a very entertaining show. In my opinion and in the opinion of millions, he succeeded.

Post a comment below to become “The High Muckity Muck of the comment’s.”

Here to Serve

Think Tank

Royalty Free Picture’s of Food

Steak Royalty Free PhotoHere I provide some high quality photo’s of restaurant food. Use them as you like, because they are completely royalty free.

Are there any other type’s of royalty free photo’s you’d like? I know photo’s of people are hard to come by, but without a sign off, they would be unusable in advertising. Either way I hope you find these Food Photo’s useful. If you need one in a higher resolution just comment below.

Click on Images for a larger view

Here to Serve

Think Tank

Sample Menu’s Marketing Examples

Dennys Sample Menu Marketing Example 5After I put up my list of top restaurant food’s I received an email asking, “How are we supposed to start a restaurant without a nice menu?” So, here I provide some of the best restaurant Menu Marketing example’s.

I looked at hundreds of menu’s last year, and I have to say in my opinion Denny’s knows how to design a great menu. I don’t know about the food, but the menu’s are amazing! There goes my Denny’s sponsorship:)

I put tons of menu’s through focus group’s and Dennys won by a wide margin. I also included a few menu’s from TGI Friday’s because they won second place. I have other menu’s and if you want to see all of them, leave a comment down below.

Here to Serve

Think Tank

Start a Restaurant

Eggplant ParmesanThe thing that baffles me more than anything else, is why restaurant’s give away their recipe’s. What is even stranger, is that other restaurant’s don’t copy them?

Everyday on the Food Network, the best restaurant’s give their recipe’s away. I made custom recipe’s based off of the best of the best. I specifically aimed at creating a menu based off of the must have’s for a successful small restaurant.

If someone just copied these, I can’t imagine that their restaurant wouldn’t be a success. If you have any question’s or comment’s leave them below. Enjoy!

Pizza

My Personal Pizza Recipe (10 year’s in the making)

I’ve been working towards the greatest pizza recipe for over 10 years. Here it is.

  • Preheat oven to 550 degree’s
  • Get a pizza stone
  • Get a bread machine, or mix by hand?
  • 2 cups of luke warm water
  • 3 cups of King Arthur Unbleached, All Purpose Flour
  • 1 cup of Soft As Silk Cake Flour
  • 1 Tbs Natural Sugar
  • 2 Tbs Dry Milk
  • 2 tsp Active Dry Yeast, mix it in the warm water
  • Let rise for 4 hours or more.
  • Makes 2 pizza’s

Topping’s for pizza

  • 3/4 cup Buffalo Mozzarella
  • Whatever else you like

Marinara sauce

  • Add two Tbs Garlic to 1/2 cup of olive oil
  • When the garlic begins to brown add two can’s of diced tomatoes in a pan
  • Add two Tbs of Basil Pesto
  • Mash the mixture with a potato masher
  • Fry until your happy

Bake the 2 pizza’s for 12 minute’s at 550 degree’s.

As soon as the pizza leave’s the oven coat the crust with melted butter, mixed with garlic powder, dried oregano, and dried basil.

Gino’s Knock Off Deep Dish Pizza

  • Preheat oven to 400 degree’s
  • Get a pizza stone
  • Get a bread machine, or mix by hand?
  • 4 cups unbleached bread flour
  • 2/3 cup cornmeal
  • 2 Tbs sugar
  • 2 tsps salt
  • 2 1/2 tsps instant yeast
  • 5 Tbs corn oil
  • 1 1/2 cups warm water
  • Let rise for 4 hours or more
  • Makes 2 pizza’s
  • Oil 2 10 inch pan’s
  • Roll out dough with a rolling pin and place snuggly in pan and up the side’s
  • Back the crusts for 3 to 4 minute’s before adding the toppings (Prick dough to avoid bubbles)
  • Cook for 45 minute’s at 400 degrees

Basic Topping’s – 1 1/4 cup mozzarella & 1/4 cup parmesan cheese covered with marinara sauce above

Italian Sausage – 2/3 lb of Italian sausage removed from casing on top of the sauce

Best Hamburger Recipe

  • 1 Soft kaiser Roll lightly toasted and buttered
  • 8 oz 80/20 Ground Beef mixed w/ 1 egg, divided into 2 patties
  • 1 oz chopped cooked bacon
  • 1 oz Monterey Jack Cheese
  • Mold the patties around the bacon and cheese
  • Fry over medium heat in cast iron (Don’t press down on burger, while cooking)
  • Fry until the bottom of the burger is browned
  • Flip the burger onto a pan and bake in 350 degree oven for 5 – 6 minute’s

McDonald’s French Fries

  • Cut pealed potato’s with Cuisinart french fry cutter (1/4” by 1/4”)
  • Rinse fries in water to remove starch
  • Let the fries dry
  • Fast fry fries in peanut oil at 325 degrees for 5 minutes
  • Remove fries increase the heat to 400 degrees and fry til crisp
  • Add salt

Chicken Nuggets

  • 1 lb of boneless chicken breasts cut into nuggets
  • Mix together 1 egg with 2 Tbs of milk
  • Blend 31/2 cups of corn flakes
  • Dunk the chicken into flour, then the egg mixture and finally in the corn flakes
  • Bake 15 minutes at 400 degrees

Fried Hot Dogs

  • Deep fry 1 Hummel brother hot dog at 350 degrees until it floats
  • Then grill the hot dog or pop it in the oven for 5 minutes at 350 degrees
  • Place in bun
  • Place relish of your choosing on the hot dog
  • Place chopped fried bacon on top of that
  • Finish with Ketchup and Mustard

Fried Fish

A white fish such as cod or catfish works the best for deep frying

Make the batter

  • 1 tsp salt
  • 12 oz bottle of beer
  • 1 cup of flour
  • Cover the fish with dry flour
  • Dunk fish in batter
  • Deep fry in 5” deep peanut oil at 350 degrees until golden brown

Chocolate Milk Shake

(For other flavor’s replace the ice cream & syrup)

  • 1/4 cup Heavy Cream
  • 2 Tbs Marshmallow Fluff
  • 1/3 Cup Whole Milk
  • 3 Tbs or to Taste Chocolate Syrup (1 cup water, 1/2 cup sugar, 2/3 cup unsweetened Girardelli Cocoa Powder, 1 tsp Vanilla Extract)
  • 2 cups Premium Chocolate Ice Cream

Geno’s Philly Cheese Steak Recipe

  • 1 Foot Long Italian Bun
  • 1 lb 1/8 inch Slices of Top Round (Tenderize in Bowl of Hot Water, 3Tbs Salt, 1/4 cup Vinegar 4 – 8 hours) or Castle Wood Reserve Angus Roast Beef
  • Amazing Taste Steak House Seasoning to taste
  • 1/2 Cup Sliced Red Onion’s
  • 1/2 Cup Sliced Green Pepper
  • 1 Cup Sliced Mushroom’s
  • 1/4 cup Cheese Whiz
  • Fry on medium heat in oil till done

Fried Chicken

  • Chicken Breasts and Legs
  • Soak Chicken in Cold Water for 1 Hour
  • 3 Cups of Flour
  • 1 tsp MSG
  • 1/4 tsp Powdered Nutmeg
  • 2 tsp Garlic Salt
  • 2 tsp Onion Salt
  • 1 tsp Powdered Paprika
  • 1 tsp Dried Oregano
  • 1 tsp Dried Sage
  • 1/2 tsp Powdered Rosemary
  • 1/2 tsp Powdered Thyme
  • 1 tsp Dried Parsley
  • 1 tsp Salt
  • 1 tsp Pepper
  • Soak chicken in 2 cups of butter milk
  • Dunk Chicken into flour mixture, let rest 5 minutes
  • Melt Crisco Shortening to make 1 inch depth in a deep pan
  • Heat to 375 degrees
  • Fry Chicken for 5 minutes per side

Meat Ball Sub from The Back Road Pizza, NM

Combine ingredient’s for the meatball’s and then bake 20 minutes at 550 degrees.

  • 2 eggs
  • 1 Tbs dried oregano
  • 1 Tbs dried basil
  • 1 Tbs black pepper
  • 1 tsp salt
  • 1/2 cup chopped red onion
  • 1 cup bread crumbs
  • 1/4 cup chopped garlic
  • 1 lb 80/20 Ground Beef
  • Roll into 2 inch balls

Combine to make the sauce

  • 4 cups tomatoes
  • 1/4 cup tomato paste
  • 1 tsp chopped basil
  • 1 tsp chopped oregano
  • 1/2 tsp black pepper
  • 1/2 tsp sugar
  • 1/2 cup chopped garlic
  • Pour a cup of sauce on 5 meatballs
  • Put the meatballs in a bun and cover with shredded parmesan and mozzarella

Eggplant Parmigiana

  • Slice 1 pealed eggplant length wise 1/4” thick
  • Soak eggplant in warm salted water for 2 hours
  • Mix together 3 eggs, salt and pepper
  • Dip eggplant in the egg and then cover with bread crumbs
  • Fry breaded eggplant in peanut oil over medium heat until browned

Marinara sauce

  • Add two Tbs Garlic to 1/2 cup of olive oil
  • When the garlic begins to brown add two can’s of diced tomatoes in a pan
  • Add two Tbs of Basil Pesto
  • Mash the mixture with a potato masher
  • Fry until your happy

Place fried eggplant on a bun, cover with sauce and sprinkle with mozzarella cheese

Jalapeno Popper’s from The BBQ Shack, KS

  • Marinate 1 can of water chestnuts over night in 2 cup’s of Soy sauce 2 lbs of brown sugar
  • Cut stem’s off 12 large Jalapeno’s
  • Fill each pepper 1/3 of the way with cream cheese
  • Put 2 water chestnut’s on top of the cream cheese
  • Fill up the pepper with more cream cheese
  • Wrap a slice of bacon, that has been sliced in half, around the pepper
  • Keep bacon in place with toothpick’s
  • Grill until the bacon is done

Buffalo Wing’s Like the Anchor Bar

  • Coat each wing with vegetable oil, sprinkle of salt and flour
  • Bake in the oven for 20 minute’s per side at 425 degrees. Remember to flip them half way

Mix together the following for the sauce.

  • 1 1/2 Tbs white vinegar
  • 1/4 tsp garlic powder
  • 1/4 tsp cayenne pepper
  • 1/4 tsp salt
  • 1 tsp Tabasco sauce
  • 6 Tbs Frank’s Hot Sauce
  • 6 Tbs of butter

Here to Serve

Think Tank

Real Estate Investing

House People ask me all of time for statistics on real estate so I’m going to lay out everything I have in this article. I have pretty much anything you could ever want on all 50 states except New Mexico, North Dakota, South Dakota, Tennessee, Utah, Vermont and Wyoming. These state’s provide very limited sketchy data in regard’s to real estate.

Scroll to the bottom of the screen for almost 5,000 city listing’s. If I don’t provide something you specifically want leave me a comment and I’ll get it for you.

The Best Demographic Link’s

The Top States for Real Estate Investing

State (1 Year Price Increase)

  • Delaware (5.8%)
  • California (1.0%)
  • Colorado (0.8%)
  • Oklahoma (0.7%)
  • Massachusetts (0.6%)
  • South Carolina (0.0%)
  • West Virginia (-0.1%)
  • Rhode Island (-1.2%)
  • Arkansas (-1.3%)

Most Expensive Home Value’s by City / Town

City, State (Avg. Price)

Least Expensive Home Value’s by City / Town

City, State (Avg. Price)

Real Estate Growth Rate Over the Last Year by City / Town

City, State (Growth Rate)

  • Island Falls, ME (61.49%)
  • Dixmont, ME (59.40%)
  • Grandview Plaza, KS (56.12%)
  • Kalihiwai, HI (55.19%)
  • Makaha, HI (52.28%)
  • Nacogdoches, TX (46.12%)
  • Oxford, KS (45.95%)
  • Kenai, AK (41.00%)
  • Orchidlands Estate, HI (39.41%)
  • Hoisington, KS (36.84%)
  • Council, ID (36.78%)
  • Cushing, ME (36.53%)
  • Vienna, ME (34.40%)
  • Eastbrook, ME (31.00%)
  • Dodge City, KS (30.68%)
  • Baxter Spring’s (30.26%)
  • Lockhart, TX (30.03%)
  • Winter Harbor, ME (29.69%)
  • Kalifornsky, AK (28.86%)
  • Stonington, ME (26.73%)
  • Jackson, MS (26.00%)
  • Burlington, KS (25.63%)
  • Union, ME (25.58%)
  • Shelton, WA (24.48%)
  • Wailua, HI (23.53%)
  • Athens, TX (23.43%)
  • Triangle, VA (22.48%)
  • North Star, DE (22.35%)
  • Townsend, DE (22.18%)
  • Glasgow, DE (22.06%)
  • Lincolnville, ME (21.62%)

Real Estate Growth Rate Over the Last 5 Year’s by City / Town

City, State (Growth Rate)

  • Kapalua, HI (24.85%)
  • Driggs, ID (17.09%)
  • Homedale, ID (14.55%)
  • Napili-Honokowai, HI (13.61%)
  • Kellogg, ID (13.08%)
  • Parsons, KS (13.04%)
  • Emmett, ID (12.53%)
  • Kilauea, HI (12.28%)
  • Herington, KS (11.76%)
  • Kalaheo, HI (11.54%)
  • Poipu, HI (11.46%)
  • Captain Cook, HI (11.14%)
  • Osawatomie, KS (11.11%)
  • Payette, ID (10.81%)
  • Townsend, DE (10.69%)
  • Y, AK (10.53%)
  • Makaha, HI (10.39%)
  • Collinsville, OK (10.17%)
  • Hauula, HI (10.05%)
  • Lihue, HI (10.02%)

Worst Real Estate Markets over the Last 5 Years by City / Town

City, State (Growth Rate)

  • Salinas, CA (-18.86%)
  • Stockton, CA (-17.89%)
  • Merced, CA (-17.56%)
  • Vallejo, CA (-17.05%)
  • Antioch, CA (-16.95%)
  • Hemet, CA (-16.53%)
  • Enterprise, NV (-16.27%)
  • Mount Charleston, NV (-16.25%)
  • Pittsburg, CA (-16.17%)
  • Watsonville, CA (-15.70%)
  • El Mirage, AZ (-15.64%)
  • Menteca, CA (-15.62%)
  • Tracy, CA (-15.59%)
  • Colton, CA (-15.30%)
  • Modesto, CA (-15.26%)

City’s / Town’s Hit Hardest by Foreclosure’s in Past Year

City, State (Foreclosure Rate)

  • Chelsea, ME (26.61%)
  • Nanawale Estates, HI (20.51%)
  • Kilauea, HI (19.30%)
  • Corinna, ME (18.06%)
  • Wayland, MI (16.90%)
  • Hudson, ME (15.56%)
  • Jenison, MI (13.04%)
  • Paia, HI (12.84%)
  • Jonesboro, ME (12.65%)
  • Otsego, MI (11.78%)
  • Myrtle Grove, FL (10.25%)
  • Beverly Hills, MI (9.85%)
  • Kittery Point, ME (9.63%)
  • Lakeview, GA (9.52%)
  • Hope, ME (9.47%)

Top Real Estate Gain’s in Pennsylvania in Past Year

Here I provide the best investment’s in the past year in the state of Pennsylvania. If you want your state covered leave a comment below. I’m just providing stat’s not investment advice. Past performance may or may not have anything to do with future return’s.

City, State (Increase in Property Value’s)

  • Wilkinsburg, PA (13.60%)
  • Monessen, PA (11.49%)
  • Norristown, PA (7.61%)
  • Munhall, PA (7.49%)
  • Nanticoke, PA (6.79%)
  • Green Ridge, PA (6.71%)
  • Lower Macungie, PA (5.42%)
  • Pittston Township, PA (5.18%)
  • Quakertown, PA (5.10%)
  • Franklin Park, PA (5.07%)
  • Springfield, PA (5.01%)
  • Haverford, PA (4.91%)
  • Washington, PA (4.71%)
  • Berwick, PA (4.31%)
  • Broomall, PA (4.17%)

Here is a Complete Listing in Spreadsheet Format
Real Estate Values

Stock Market Explained Video Series

Here I provide you with my newest 3 video’s on investing. I cover specificially:

  • What Derivative’s & Swap’s Are
  • Why I Think Buy & Hold Investing is Dead
  • How Professional’s Invest in The Market

Puzzled About DerivativesIn the video’s I give a brief history on the Dow Jone’s Industrial Average. Since I never wrote about that in any article, I provide that information here.

The stock market is considered by most people to be the Dow Jones Industrial average. Everyone has been sticking their retirement funds into it for over a hundred years, in one way or another. So, I thought I’d talk a bit about it.

A Little History

I’ll skip over a lot of the history and instead focus on how it operates. The Dow was created in 1896, by Charles Dow. At that time it was made up from 12 stock’s, that where chosen to be on the list because, they best represented the performance of their specific industry. Of those 12 stock’s only one remains being General Electric.

On October 1, 1928, the Dow was expanded to a 30 stock portfolio. It still is made up of just 30 stocks today. Here they are:

  • 3M
  • Alcoa
  • American Express
  • AT&T
  • Bank of America
  • Boeing
  • Caterpillar
  • Chevron
  • Cisco
  • Coca Cola
  • DuPont
  • Exxon Mobil
  • General Electric
  • Hewlett Packard
  • Home Depot
  • Intel
  • IBM
  • Johnson & Johnson
  • J.P. Morgan Chase
  • Kraft
  • McDonalds
  • Merck
  • Microsoft
  • Pfizer
  • Procter & Gamble
  • Travelers
  • United Technologies Corporation
  • Verizon
  • Wal-Mart
  • Walt Disney

How is the Dow Calculated?

Originally the Dow was calculated by adding the price’s for all of the stocks and then divided by zero, but not any more. To keep the Dow a meaningful number more needs to be done with all of the stock substitutions, stock splits, spinoffs, etc.

A stock split is when a company that is currently selling at $50 per share, decides to double the number of shares, but have each be worth half as much. So this company would still be worth the same overall, but it’s per share price would be $25. This is why a company with a huge per share value may be worth less than one worth $10!

So in calculating the Dow, they have to figure out the exact value of all 30 stock’s if they purchased the exact same dollar amount of each share.

Don’t Buy Stock if you Don’t Think

In the previous article, I spoke on how I believe buy and hold investing is no longer going to provide a good return on investment. In reality, it never has apart from the dramatic ride the market took from 1982 to 1999. The stock market historically pays an interest rate of 3.73%. If you don’t believe me see Buy and Hold Investing is Dead.

Here I’ll give you a few tips on how you can dramatically improve your results with investing. This is for educational purposes only and I’m not providing investment advice, just investment theory. In fact, I don’t think you should buy stock if you don’t know what you’re doing.

Investment Allocation is King

Forget everything you know about asset allocation. This is the act of indiscriminately combining stocks and bonds in a portfolio. We are going to instead use math to build a portfolio with a risk level you are comfortable with and then get you the greatest return at that risk level.

By using some math formulas we can make highly accurate predictions on what would be the maximum potential loss for a given portfolio. Then you can decide on how much potential risk your willing to take and then know that your portfolio will act accordingly.

Treasury bill’s will represent the least risky investment in my portfolio. While penny stocks (stock’s worth less than $5) will represent my riskiest investment. I will for now not include options in this portfolio, because they may confuse you. It’s impossible to make the best portfolio without them, but I’ll leave them for a later article.

Just know that how you structure your portfolio will determine your result’s in 94% of day to day market movement’s.

Time for a Little Jargon

Risk Equals Standard Deviation

Let me assume, that I can expect ABC company to increase in value by 25% after 10 years. I then must only fear that I’ll be forced to withdraw at a point when the value has unexpectedly fallen. This rise and fall from the average growth rate is known as Standard Deviation. When people talk about risk, they are referring to Standard Deviation.

As you add more risk to your portfolio, you are increasing the chance that it’s price will deviate from an expected return. But, my risk less 1 year treasury bill is only paying me .35%. I’m guaranteed to get that .35%, but I can also be sure that inflation will be higher than .35%.

Standard Deviation Example

Excuse me as I jump back into the fantasy days of the 80’s and 90’s. Here I listed some of the best performing mutual funds and show you both their average returns as well as their standard deviations from 1987 to 2003. These funds were the best at not only earning money, but also at minimizing their standard deviations

The Best Optimal Portfolio Mutual Funds

Name Std. Dev. (%) Avg. Ret. (%)
Mairs & Power Growth 14.65 12.75
First Eagle Fund of America 12.75 11.46
Weitz Value 16.39 11.91
Liberty Acorn 21.26 11.46
First Eagle Sogen Global 10.84 7.33
T. Rowe Price Hi-Yld 7.42 6.45
T. Rowe Price Capp Appr 10.72 10.75
Vanguard Wellesley 7.09 10.33
Meridian Growth 21.26 10.61
Smith Barney Aggr Growth 27.83 9.8
Dodge & Cox Stock 16.74 11.01
Dodge & Cox Balanced 10.69 10.41

I’m not telling you to buy any of these mutual funds! Actually many don’t exist, have new money managers or are closed to new investors.

Let’s look at the best performer, being Smith Barney Aggr Growth. It provided it’s investors an average return of 27.83%, and in any one year was expected to provide a minimum return of 18.03 % = 27.83 – 9.8. This number is calculated this way: Worst Expected Return = Average Return – Standard Deviation.

Let me stop for a moment to explain why these investment’s don’t exist anymore. By buying this mutual fund you received at worst a return of 18.03% per year, and at best 37.63%. Whats funny is that when I was a broker, people thought this was a bad return! Seriously!

I just want you to understand this new way of looking at securitys. Think not only about expected average returns but also think of their deviation from this average. If you understand that the goal is not just to get a good average return, but also to minimize standard deviation, you really are starting to understand investing.

The Capital Allocation Line

The Capital Allocation Line depicts in graph form, the fact that as you increase your standard deviation your potential return also increases. The CAL is created by looking at all potential investment pools of investments along with their expected return’s versus standard deviation. Here is an example:

Capital Allocation Line

As you see the portfolio I’m emphasizing has an expected return of 15%, the only problem is the standard deviation is 32%. This mean’s if I’m comfortable potentially losing 17%, this is a good portfolio, if not it’s bad.

Diversification

Most people think that blind diversification will protect them from risk. They think it is a good idea to randomly add different investments to their portfolio. Wrong!

As you can see in this chart, if a computer randomly pulls together a portfolio, you are no longer able to minimize Standard Deviation simply through diversification after you reach 20 random investments. I then continue to show you the result’s with 100, 200, etc.

Diversification

The Efficient Frontier

Now we are getting into a territory your stock broker probably doesn’t even understand. If we chart the following:

Every investment based on it’s expected return versus standard deviation

Every portfolio including the best of these investments

We get the following graph.

Optimal Portfolio

I’ve already described what the CAL line is.
The little dots represent all of the investment opportunities out there.
The line that curves away from the CAL is known as the Efficient Frontier. It represents all portfolio’s with the best return at the lowest standard deviation.
The Optimal Portfolio represents the point in which you are getting the best return at the lowest risk level.

The Optimal Risky Portfolio represents the point at which you receive the highest return versus all other possible portfolio mixes.

If you are a bit confused don’t worry. It comes down to this simple concept. We want to create a portfolio that will provide the best return, with the lowest amount of risk. That’s it! But, how is the optimal portfolio created? If you understand standard deviation, there is just one more piece to this puzzle. Covariance!

Covariance Analysis

I wrote in the last article about how when some stock’s go up others tend to go down. A candy companys growth potential is directly related to the price of sugar. So if sugar price’s sky rocket, chances are the candy companys stock will fall.

This is known as Covariance. It’s a measure of the degree to which two assets value’s move in tandem. If 2 stocks have a negative covariance that means they move more opposite from one another.

So one way to hedge risk in one asset is to find the other assets that effect it’s value and add them to the portfolio. This act helps to minimize standard deviation.

Wrapping Up

As mentioned before, a hedge fund named NWQ (North West Quadrant) made huge returns based purely off of creating Optimal Portfolio’s. Their name refers to the Efficient Frontier. They constantly readjusted their portfolio’s based off of expected changes in expected return’s and standard deviations.

They did this with computers, but the computer sitting in front of you now is probably as fast as the one they used back in the 90’s. In future articles I plan on showing you the math behind this article. It really isn’t that complicated. You just need to plug in day to day price changes for all of your investments. They then provide you with the investment’s:

  • Standard Deviation
  • Covariance in Relation to the other Investment’s
  • The Expected Return

Then all you have to worry about is general market risk. As history has shown us though, market risk only will effect you 6% of the time with the right asset mix.

And, if you think doing all this is way to complicated, in my opinion, don’t buy stock if you don’t want to do it intelligently. If you think a brokerage house will do this research for you, I say again good luck!

If you have any question’s leave them in the comment section below.

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