How Fortunes Can Be Made

                                                                                                                     By: Charles F. Svirk, Jr
                                                                                                                        CHL Holdings, Inc
                                                                                                                                President


Why you should be Bold while others are Fearful?
" Over bought, Euphoric, Buy, $$ Rise
" Over sold, Panic, Sell, $$ Fall

Money is made when you can program your thinking to work in reverse.
" Over bought means sell
" Over sold means buy

Why there are "Riches in Niches" " Flight to Quality - Cost below replacement
" Intrinsic Values - Always has value > 0
" Extreme Markets - Volatility - Opportunity
" Masses are usually wrong - Cattle Theory
" All points above equal Opportunity

Building Wealth
" Assets make money
" A/R's - Take more than you give
" Residual Income vs. Ordinary
" Get paid everyday
" Money makes money
" Pay yourself first
" Cash Flow
" Protect profits - Roll them with 1031's

What you do with assets - CHL profile
1997 300k net worth, worth Zero Cash,Ø A/R 25M,460 Beacon 25M Line.
2005 160M net worth,10M cash,A/R 16M,780 Beacon 12M Line.
Today-50-60M net, 4M cash, A/R 780 Beacon

Risk vs. Yield
" In a perfect world
- Low Risk & High Yield
" Lets take an example:

2005 $1,000,000 asset,Today $600,000 Decrease 40% or $400k $80,000 Lot $8,000 Lot 90% or $72k

It's all about the ROI
" Assume the market made 25%, 50%, and 100% recovery over the next X years.

2005 1M 2008 600k Risk Med-High Dollars loss/%-400k or -40% 25% 100k ROI 16.66% 50% 200k ROI 33.33% 100%400k ROI 66.66%
2005 80k 2008 8K Risk Low-zero Dollars loss/%-72k or -90% 25%18K ROI 225% 50% 36K ROI450% 100% 72k ROI 900%

Leveraged Seller Financing
$8000 Lot,  1 Year, Down payment $2000, Payment $61.72, (P&I) 740.64,Total Invested $2740.64.
                   3 Years,Down payment $2000, Payment $61.72,(P&I)  $2221.92,Total Invested $4221.92.  
                   5 Years, Down payment $2000 Payment $61.72 (P&I)  $3703.20,Total Invested $5703.20.
25% - 18k correction 657% 427% 316%,
50% - 36k correction 1314% 854% 712%,
100% - 72k correction 2628% 1708% 1424%
Excludes Impact Fee's & Taxes
































Risk vs. Yield (cont)
" Banks can and do fail
" Stocks can go to zero
" ROI on CD's, money market, below inflation
" Hedge funds are toxic filled
" Land can never go below zero, always has an intrinsic value > zero

Why land is a good investment
" They don't make more land, limited resource, capped supply
" Populations grow - feeding growing demand
" Wall Street builders dumped their land holdings to improve balance sheet
" Buy entitled land or "ready to go"
" Florida growth 17m to 30m, next 20 years
" Baby Boomers retiring over 77M

Contact Information
" Chuck Svirk - President
 Chuck.Svirk@CHLHoldings.com