Everyone likes simplicity. Regularity. But, quite often, the more simple things are, the less lucrative. An example is simple interest. It's easy to figure, but compound interest is a lot more profitable to the lender.

Lenders would like every payment to come in on the last day of each month. They would like to be able to impose late payments for every payment not received when due. And they'd like to be able to foreclose, get the property back, and resell it without missing a payment. Unfortunately, the world doesn't work this way.

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One of the major disadvantages of transferring assets from tangible property to a future income stream in the form of a series of payments on a contract or Note is that, in the event of high inflation, you can't be certain of maintaining the purchasing power of the money you receive.

Conventional lenders got caught in this trap in the late 1970s and early 1980swhen high inflation rates rampaged across the financial landscape.

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When structuring a creative purchase or sale, the first task is to determine the needs of the buyer or seller, as the case may be. This is done by slow, patient inquiry that takes place only after the parties are comfortable with each other.Most people are motivated, directly or indirectly, by an emotional response to fear or greed; or a combination of these.

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What's the relevance of learning about creative financing today? Why should anybody take the time to learn how to buy and sell property without using cash or credit?

Admittedly, today when credit is still cheap and available, there may be little need for such knowledge, but tomorrow it will be too late.   Now is the time to learn everything you can about creative financing if you want to survive and thrive in the future.

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