Phil Speer, Ph.D., started his real estate investing career 25 years ago. With no cash or credit and using only a $10 bill, he purchased $1 million in properties his first year, and accumulated $10 million in properties within 4 years. He was featured in a Wall St.Journal editorial as most successful investor in the Nothing Down Real Estate Movement. He was awarded a Caribbean cruise as Top Investor of the Year. In his hometown of Nashville, he has been a businessman and Human Resources Consultant for 30 years. He is an author, speaker and seminar director. Anyone can profit in real estate investing, even if starting without cash reserves or acceptable credit. He never walked into a bank to beg for a loan and never submitted application for a mortgage in his acquisition of $10 million in real estate holdings. Subscription is free to his Fix-up Ezine. He and other contributing authors provide free articles and resources on real estate investing at his online “Academy of Advanced Real Estate Investing Techniques” (AAREIT).