If you are trying to develop a nest egg that won't crack, it's important to establish a safe and dependable investment strategy.

Yet last year alone, countless Americans lost their life savings as a result of investments that looked safe. In some cases, folks lost both their jobs and their pensions when companies failed to restructure, leading to bankruptcy and closures.

If you're a business owner that's restructured your company, but need more funds than restructuring can offer you, think about real estate.

For example, real estate has long been recognized as a secure, tangible investment because it typically appreciates over time. But most would-be investors aren't real estate experts, and many of us don't have enough money to fund the purchase of an investment property let alone to fix up a run-down house.

However, there's another strategy. It's known as cash flow investing and it allows people to benefit from secure and rewarding real estate investments without buying or selling properties.

Put simply, a real estate cash flow note is a private mortgage produced between two individuals rather than between a buyer and a bank. What many individuals don't know is that one in 13 American houses is sold this way.

Much like banks, which purchase previously created mortgages, private individuals can purchase cash flow notes to build returns of 20 percent or more. Here is how it works:

Let's say I sold a home for $100000 and my buyer had $50000 for a down payment. I can draw up a contract that takes $50000 down and finances the rest of the $50000 over 30 years.

I now have a cash flow note that yields monthly payments of $299 each month secured by real estate.

As a note holder, I have two options. I can take advantage of the monthly income and interest, or I can sell the note to another investor for instant cash.

This really is exactly where you, as an investor, come in to make money. Let's say you are an investor with $35000 to invest. I might not be willing to wait 30 years for my funds, so I'll sell you my $50000 cash flow note for $35000.

Several investors find they can buy notes at great prices just because the original note holder wants to "cash out." Now you are receiving a steady monthly revenue of almost $300 and you are in a position to make a 30 percent return on your investment-even before interest.

Best of all, as opposed to stocks and bonds, your cash flow note investment is secured by real estate, which is one of the most solid investment on the planet.

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