How to Find Value in No Load Mutual Fund Investing 1. Shift your focus from penny pinching to looking at the big picture: What can a mutual fund or an advisor do for you, not how much does it cost? Why? If you buy a given no load mutual fund at the right time and it gains a tidy 15% for you over a 6 week period, would you really care about the costs? If a mutual fund—or an advisor for that matter—can give you superior performance and an increase of several percentage points over your bargain price pick wouldn't you pay an extra 0.25%? [More] Becoming A Battle Hardened Real Estate Veteran Without All The Scars: Seven Steps That Real Investors Make Step 1 is always to determine the fair market value(FMV). As a real estate investor, you can always buy properties at the FMV. My question is why would anybody want to do that? Through careful selection, you can always find properties that are priced below FMV, regardless if they are existing or if they are a preconstruction project. The best way to determine FMV is to work with someone already familiar with the area or determine yourself through local websites showing recent sales histories. [More] Defining Your Goals Well, this is said and emphasized for a very important reason. These short term and long term goals help define how you will run your business, how much time you will need to spend, and what you expect to accomplish. They are the cornerstone of running your business. [More] Wealth Intelligence Wealth intelligence is a criterion that distinguishes the rich from the others. It is more so self-acquired rather than being taught. The main point relating wealth intelligence is that you should be able to distinguish your assets and liabilities..