Hello My Dear Web Visitor,
This is a personal letter from me, Jeff Ragan the owner of this website. I wanted to share my story with you so you can understand why I put this website up and how it has changed my life for the better. Read this and see if you find yourself anywhere here in this story.
Back in 2004, I got a JOB. Did you know that JOB = Just Over Broke? After 20 years of self employment, I was hired by a mortgage company as a loan officer. This was a major blow to my self esteem. Why do I say that? Let me tell you my story from the beginning and you will see a clear picture of why I say this.
When I was married in December of 1981, my wife and I wanted to get into our own business. We felt that it would offer us a freedom that you do not have when working a job. At the time I was an employee of General Motors working on an assembly line. That bored me to death. My wife worked for a doctor.
So while talking to some friends of ours, we learned that starting a window cleaning business was a low cost way to get started working for ourselves. So we did that, I spent $20 and bought the tools and we went out and got started. Soon I was earning some nice extra money.
In time, I quit my job at General Motors (Fall of 1982) and really got my cleaning business going. Way back then, my goal in life was to earn a full time income working just part time. What I really wanted was for my money to work for me rather then me working for my money. I knew that with good management, I could build my business up and enjoy the fruits of my labors.
Now, fast forward 15 years and by 1997 I had a thriving business. We had sales of 1.5 million dollars a year and 70 employees. I had achieved my goal of earning a full time income working just 20 hours a week. However, this type of business had many headaches with it.
So I did what any smart business man would do and I sold the company. At the age of 41 years old I was retired and living off my investments. Finally my money was working for me!!
It was great, my wife and I would travel where ever we wanted to go whenever we felt like it. My wife stopped looking at price tags while shopping. She would come home with her arms full of clothes when she felt like shopping, and I bought whatever boy toys I wanted also.
We had the good life, until that horrible day in the fall of October 1998. You see, I thought I was smart and invested the proceeds of the sale of my company in 5 different companies. You know they say not to put all your eggs in one basket right? Well in a short period, like about 2 months, 4 of the 5 companies went out of business.
I had lost over $300,000 in just a few months. Everything we had saved and invested was gone almost overnight. That was a major blow to my manhood. In fact without even realizing it, I sank into depression. For several years I was living in a black hole. I was broke and I just could not get my mojo going so I could provide for my family.
My loving wife Melinda was so supportive. She got a JOB and was trying to help me get some MLM business going and a few other things. I was sure that I could do this again. I knew I could build a new business and make a decent income once again. Well I was wrong. I failed again and again and again.
It seemed that everything I tried turned to crap!
My Career in the Mortgage Business
So now after a few years of suffering, I got a JOB in the mortgage business. I worked for about 6 months and did not make a single penny. The company was a mortgage broker and they had no real training and the boss was a self serving idiot. All he was interested in was trying to do mortgages for my warm market. You know, people you know who needed a mortgage. Kind of like MLM.
It turns out the only mortgage I did was my own. I still had great credit and I bought a foreclosure home when I was at my lowest point in life. My father had died (just 3 months after my brother died) and he left me a small inheritance. I used it for the down payment.
Well I quit that job after I bought my house and started working with a buddy of mine do liquidations of stores that would go out of business. This offered some excitement and income. I just did not have any health insurance or benefits. It was kind of day to day. I made a few bucks, but it was just not enough. I wanted to make enough money to get my wife out of working her job since she hated it anyway.
So after flopping around for a while, I landed my next job, the one I mentioned at the beginning of this letter. It was with a large national lender. They had benefits, great income potential and even some ongoing training that taught me how to do mortgages. Wow! I was excited, had some good income, lots of training and support.
So I worked there for about 1 year when I come across a company called Sitesell. I was thinking that I could use this awesome box of software tools to build a website that would help me get mortgage leads.
Now mind you, I knew nothing about building a website or anything remotely close to it. What I had learned with SBI was that it did everything for you except write the content. I learned that all I had to do was write the content and the software would do everything else for me. Wow, was I excited.
So I went to work on my website and soon I was doing mortgages all over the USA. I was closing millions of dollars in mortgages each year. Things were going along pretty good. I become an FHA expert and just focused on First Time Home Buyers. I loved what I was doing. I was helping people realize their American Dream of home ownership! I helped hundreds of people buy a home.
Well, just as my SBI website was doing rather well, I was busy in the mortgage business, then the markets went crazy. In early 2007, I lost my job. Man was I ticked off. Not again! What am I going to do? I could not do any more mortgages.
Then I had this bright idea. Why not just continue to build my website and become an infoprenuer. You know, just provide good reliable information and see if I could earn a little money off the website by paid advertisers. My passion remained to help people get a mortgage. I knew that First Time Home Buyers needed a place where she could look for truthful information before buying a home.
So after getting into SBI even more, I soon realized that everything I was looking for was right under my nose the whole time. I had learned that many people much like you and myself were silently building successful websites and earning a very nice living.
So that is where I am now. Here it is 2011 and my SBI website is providing us our living. Imagine that, making money while you sleep, play or eat. I thought that was the coolest thing. Then I learned how so many others were doing this and I said to myself, if they can do it, so can I. I was right.
Thanks to SBI, I have a very nice passive income. Now it took work in the beginning mind you. There is no such thing as get rich quick and you know that. However if you can become like a Tortoise and move steady and slowly towards your goal, then maybe SBI is for you also.
There are so many ways you can build a business online. If you have a great passion for something, hobby or something like that, you can get paid for telling others about it. It does not take a rocket scientist to build an SBI business. They have all the tools in one place.
I know I have rambled on here, but I just wanted to tell my Solo Build It story. If you think you would like to check this out feel free to visit any link you find here in this content. It can explain it better that I can.
I know this for sure, if you see yourself somewhere in this story, you may want to check this out. Now my wife and I work this together and I have been certified as coach and Instructor where this business model is taught in colleges around the world. I love Solo Build It and am very thankful for all it offers.
Go to House Buyer Solutions Home Page.
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Mar 26, 18 03:08 PM
Due to cost of living, property cost, and housing my husband (retired Navy), myself (retired wife) and 25 yr old son live together and have for over 5
Mar 26, 18 02:33 PM
I am wanting to purchase a small single family home for myself and I don't make a whole lot. I read about the debt to income ratio and I'm good on that.
Mar 12, 18 05:13 PM
When I first got into the Real Estate business I would have never imagined the fun I would have helping people throughout Sumner County and the Greater
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