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From Green Beer to Greener Pastures MY ST. PATRICK’S DAY TRANSFORMATION
Reflecting on the revelry of St. Patrick’s Days past, I find myself in a contemplative mood. There was a time when the arrival of March 17 meant diving headfirst into a marathon of merriment, regardless of the weekday it graced. My wife Gina and I would embark on these joyous escapades with our dear friends who embody the spirit of Irish Catholic tradition. The day’s agenda was simple and exhilarating: From the early hours, we’d hop from one bar to the next, our laughter and cheers mingling with the clinking of glasses.
sudden but grew over time as Gina and I pondered our New Year’s resolutions, contemplating what projects and adventures we wanted to embark on.
The decision to skip the St. Patrick’s Day celebration one year marked a turning point. It wasn’t about renouncing fun or disowning a cherished tradition but about reevaluating what mattered most. This recalibration opened up new avenues for how we spent our time, focusing more on work that fulfilled us and moments that deepened our bonds with family and friends. The transition wasn’t devoid of nostalgia; there were moments when we questioned our choice. But as years passed, the longing for those wild St. Patrick’s Days faded, replaced by a contentment with our new traditions. Now, the holiday prompts reflection on productivity and quality time rather than a day-long dive into debauchery. This change has benefited us personally and financially and reshaped our approach to celebrations and how we allocate our time and energy. In sharing this journey, I hope to inspire others to reflect on their own traditions and celebrations. It’s not about casting judgment on how anyone chooses to spend their holidays but rather about encouraging a thoughtful consideration of what brings true joy and fulfillment. With all its festivity and fanfare, St. Patrick’s Day can be a time of joy in whatever form it may take for each of us. Whether it’s a quiet dinner with loved ones, a productive day at work, or yes, even a spirited day at the bar, the essence of the celebration lies in what it means to us personally. As we navigate our lives, filled with myriad choices and paths, let’s remember that growth and change are part of the journey. Embracing new ways of celebrating, finding joy in the simple or the grand, and reflecting on what serves us best are steps toward a life rich with meaning and happiness. –Darin Garman
The festivities were not just for us adults; our children would occasionally join, soaking in the vibrant atmosphere and learning about friendship and celebration. These moments, filled with boundless fun and camaraderie, were the highlights of our year, creating a treasure trove of “do you remember?” stories that still bring smiles to our faces. However, about seven or eight years ago, a shift in perspective began to take root. The aftermath of these indulgent celebrations started to weigh on me — physically, financially, and time-wise. It dawned on me that perhaps these annual escapades weren’t serving me as well as I thought. The realization wasn’t
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HOW TO BUILD THIS SURVIVAL ESSENTIAL The Art of the Campfire
Few things are better than sitting in the warm glow of a campfire. Besides creating incredible memories, campfires can be necessary for survival situations. A campfire can be life-saving if you’re stranded or just camping in a snowy winter forest. Everyone needs to know how to create a fire, especially if you’re regularly outdoors. PICK THE SPOT You’ve got your spot if you’re at a campsite with a fire pit. Otherwise, make sure the area isn’t too dry. Look for cracks in the soil, dried-up riverbeds, and shriveled foliage. Ensure no shrubs, tents, or anything flammable is within 15 feet of your chosen spot. GATHER THE MATERIALS It’s time to build the fire. For safety, always have a bucket of water or sand and a shovel if things get out of hand. You’ll need a match, a lighter, and different materials to start the burn and keep the fire going. While you could chop wood with a hatchet, we assume you’re collecting your fire materials from the surrounding area. There are three types of material you’ll need.
Make sure all of your wood is fairly dry, or it won’t light properly and will throw smoke everywhere.
LIGHT THE FIRE There are many ways to create a fire, but we’ll use the “crisscross” method.
1. Form a base of tinder. 2. Build and form the kindling across the tinder in an X pattern. 3. Use your match or lighter to ignite the tinder. 4. Blow on the base of the fire to keep the tinder burning. 5. Once it starts, add more kindling to grow the fire. 6. Add more kindling, then arrange your larger pieces of wood in a pyramid shape. When you’re no longer using the fire, put it out. Use water to cool every ember, as even one can start a wildfire. If you don’t have water to spare water, cover it with dirt or sand. Congratulations, now you know how to light a campfire. The next steps are learning to create pits or experimenting with other stacking styles. You can even make delicious campfire dishes using foil packets. Your options are endless.
• Tinder: Dry leaves, grass, or pine needles. • Kindling: Small sticks less than 1 inch in diameter. • Fuel: Large and thick pieces of wood.
THE TRUE SECRET TO LUCK IN THE INVESTMENT WORLD Investment Luck: Is It Fact or Fiction?
If you are like me, I am a creature of routine. So, the other morning started like most Wednesday mornings for me. My routine on a typical morning is to get my workout in, go and inspect some of the investment properties, get a STRONG coffee at the Starbucks drive-thru, go to the office, and dive into my work on other assets.
from the Credit Union! Now, that is the kind of drive-thru banking I love! A crisp $100 bill!
themselves lucky. Some even buy stuff like the old lucky rabbit’s foot or maybe try to get a four-leaf clover. Or perhaps they have certain clothes they wear on certain days — you know, the “lucky tie” kind of thing. I might add that you can do all of this “stuff” if you want and entertain your friends and family in the process, but none of this will work. When you see investors “getting lucky” and making great returns on their money, they are getting lucky, but they have been creating their own luck to get lucky. Those who act create their own luck and will be much better off financially as a result. The question is: Are you going to ACT and then create your own luck or let someone else be lucky? Instead of leaving things to chance, you can manufacture it and be just as lucky as the other folks you “hear about.” But … you have to love that $100 bill at the drive-thru!
I guess you could say that so far today, I have been one lucky guy. Plus, I still have most of my day left, too! But I want to tell you that luck has nothing and everything to do with it. You see, there IS such a thing as luck. For eons, people have debated whether there really is such a thing as luck. How often have you heard a story about an investor getting lucky when they bought a property for an “X” amount of dollars and sold it later for 10 times “X”? Or, the other day, a client told me about his brother, who bought a manufacturing business for around $400,000 and sold it five years later for about $3,000,000. His comment to me was that his brother “got lucky.” Well, let me tell ya, luck DOES exist. But not in the way that most people think it does.
Well, this morning, while I was doing this, here is what happened:
1. I discovered that a recent property I and some partners invested in for $850,000 may be worth around $1,250,000 in the next 2–3 months. We purchased the property just over a year ago. 2. A difficult-to-lease commercial property now has two tenants competing to get into the vacant space, which will easily take the cash flow return to 13%-plus per year. Yes, that is annual. 3. At a Credit Union drive-thru, I was customer No. 10, which means I got a gift of a $100 bill
Create your luck today!
–Darin
For example, many people do weird chanting or repeat affirmations to themselves or picture
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I WA LIFE
SUDOKU
’s
A Mother Sacrifice
ore Than
SOLUTION
Sharing M Just Gene s
Imagine planning the happiest day of your life, only to be blindsided days before by news that threatens to overshadow your joy. This was the reality for Anna Harlow, a vibrant young woman from Ankeny, Iowa, who discovered she was in the throes of stage five renal failure while preparing for her wedding. At just 24, Anna faced a future far removed from the one she dreamed of as a newlywed. But in the face of this daunting challenge, a story of unparalleled love and sacrifice emerged, highlighting the incredible bond between a mother and her daughter and the life-saving power of organ donation. Chronic kidney disease, which affects more than 35.5 million U.S. adults, suddenly placed Anna on a path filled with hospital visits and dialysis treatments, far from the idyllic beach getaway she and her husband Dillon had planned. Dialysis, a grueling thrice-weekly ritual, became her new normal as she joined the long list of those waiting for a kidney transplant at the University of Iowa Organ Transplant Center. The wait for a kidney can often stretch for years. But amidst the uncertainty, Anna’s mother, Sheri Fogarty, embarked on a mission to find her daughter a donor. Her quest led to an unexpected twist: Sheri herself was identified as the perfect match. The revelation of this match was a moment of pure cinematic magic, a secret Sheri kept until the ideal moment. The transplant, performed on July 20, was a success, marking a new beginning for both Anna and Sheri. They learned lessons and a renewed appreciation for life’s fragility. For Sheri, the opportunity to give her daughter life for a second time was a profound blessing, a testament to the depth of their bond and the incredible gift of organ donation. Their story is more than just a medical victory; it’s a beacon of hope and a call to action for the importance of organ donation. With over 100,000 people currently awaiting a transplant, the need for donors has never been greater. Anna and Sheri’s experience underscores the impact one person can make, offering a second chance at life to those in need. As we navigate our own challenges, let their story remind us of the strength found in love, the power of selfless acts, and the beauty of life’s unexpected detours. Let’s take a moment to reflect: What can we do to make a difference in someone’s life today? How can we turn our challenges into opportunities to help others? The answer might just lead us to our own extraordinary tale of love, sacrifice, and renewal.
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Darin Garman: Heartland’s Most Trusted Multi-Family Investment Advisor 2505 Silver Oak Trail Marion, IA 52302 DarinGarman.com 319-350-5378 INSIDE Page 1 Celebrating St. Patrick’s Day Differently
Page 2 The Basic Element of Survival: A Campfire
Investment Luck: Is It Fact or Fiction?
Page 3 A Story of Love, Sacrifice, and Survival
Apartment Sales and Success
Page 4 Exploring Sintra, Portugal
This Beautiful City Is Straight Out of a Fairy Tale
ADD SINTRA, PORTUGAL, TO YOUR TRAVEL PLANS!
As spring break nears, you might already have plans to travel to Punta Cana, London, Key West, Paris, or a similar destination city. One more to add to your travel checklist is Sintra, Portugal. This beautiful town rests on the hills of Serra de Sintra, just outside the capital, Lisbon. The two castles within the city are the main draws, and it’s easy to see why. PENA PALACE AND GARDENS The National Pena Palace and Gardens are absolutely stunning. The palace is adorned in primary colors, with intricately carved yellow, red, and blue buildings. It’ll cost you 10 euros to explore the grounds and a couple of extra euros to go inside, but it’s worth it! The carvings include many styles, including Neo-Islamic
and Neo-Renaissance. Everything is opulent, and you’ll have a great time as you take in the extravagance. Some rooms are painted as an optical illusion, with doors and hallways looking three-dimensional when they’re just flat. Once you head back outside, the rest of the grounds are just as lovely. The enormous gardens have many trails, marked and unmarked. You can get lost in the beautiful oasis, and we encourage you to put aside at least half a day to explore the gardens. QUINTA DA REGALEIRA Quinta da Regaleira is the city’s second significant castle boasting beautiful gardens, but its main draw is the initiation well. This
80-foot-deep well is a wonder as it sinks into the earth with mossy walls. We suggest you go early, as this is another big attraction for those visiting the city, and officials try to keep people moving as they arrive, mainly as it’s one-way traffic on the steps themselves. Once on the grounds, you can explore many grottos by following their main paths. The castle itself isn’t as opulent as Pena Palace, but it’s still a lovely location to visit. Sintra is perfect for any vacation, and though these are the main draws for the city, by no means are they the only ones. We encourage you to check out this city and see if it fits your travel plans.
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Darin Garman’s Multi - Family MANIFESTO
FESTO #1. Once The Deal Closes The Work Is Not Done, Years of Work Is Just Starting. Tt hoeo dme aa ln. yCllaons di nl og rodns yt hoiunrkntehxatt pmuur cc hh aosfet ihsejiur swt tohr ek bheags i �ni nn ianl lgy oefnydoeudr ownoc rekt.h e y � i n a l l y c l o s e FESTO #2. Landlords Should Make As Much Money And Build As Much Wealth As They Want. Ar i sl ak nodf loowr dniisn ga abpuas ri nt me sesnot ws annedr tahsalto tnagk ae ss tahl leoyf ot ph ee reactoe nt oh me i ri cp, sr oo pc iearl t, ipees rlseognaal llyatnhde yp os hl i ot iuc al dl make all of the money and wealth they choose. FESTO #3. Landlords Are Business Owners Not A Safety Nets. Landlords Are Not Social Workers. Ap el oa pn ldel oa rr de aj unsdt tt hh ae it r, tphrei ivra pt er opbr loepme sr ,t ya na dr el annodt l ao rsda sf esthy onuel dt f no or te bv ee rf yo or cneed. tToh tea pk er oobnl eomt hs eor f people’s problems. FESTO #4. The Way To Make A Lasting Impact In Life Is To Provide Housing. Bevyetraykdinagy.the risk of providing housing for people landlords make an impact on this world FESTO #5. Never Be Afraid To Overpay For A Property That Your Instincts Say, “Hell Yes!” Many of your best multi - family properties will appear as if you are overpaying for them only to �ind out later what a great deal it was. FESTO #6. Multi - Family Energy Is Everything. Tanhde tehneermguylytiou show up with every day is a precursor to the quality of life you will live - family empire you will build. FESTO #7. 90% of Landlord’s Problems Will Come From Less Than 5%. Most of your problem - solving time as a landlord will be taken up with less than 5% of the people. FESTO #8. Multi - Family Self - Discipline Makes You Magnetic. �ou know from the �irst time you meet someone whether they are self - disciplined or not. How landlords do one thing is usually how they do everything. FESTO #9. Multi - Family Wealth Is In Equity Not In Income. Most people mistake income for wealth. The true rich have become rich through multi - family equity not through income. FESTO #10. Celebrate Your Multi - Family Wins. Celebrate even your little victories consistently and often, never wait until “someday.” FESTO #11. Lose The Attachment. Never ever have to sell or have to buy. Lose the attachment to the result and it will come.
FESTO #12. You Will Become The Multi - Family Leader You Spend Most Of Your Time Listening To, Watching, Reading or Being With . Choose your friends, business partners and your lovers very carefully. FESTO #13. The Universe Just Wants To See How Bad You Want To Achieve Your Multi - Family Goals . Ur onaddebrlsotcakn di mt ha ga itnpaabrlteo. fRaecmh ieemv ibnegry, yoouur gaor ea lasl wi s at yosrbu eni ni ngt ot eesvt eedr y. u n i v e r s a l l y c o n s t r u c t e d FESTO #14. Landlords Follow Their Instincts Even If It Makes No Sense. You are born with the innate ability to know what to do. The problem is you don’t do it. FESTO #15. Landlords Have A Duty To Provide For The Most Important People In Their Lives . Ta nhde rcea ri se ma boorue tt ot hlei f eb et hs ta nnuj umsbt emr oonf ecyh,ohi coews euvnetri,l yyoouu cbaenc onme veerri gc hi v. e t h e p e o p l e y o u l o v e FESTO #16. Landlords Trust Slowly. Ntheevyecragnivbeeotvreurstyeodu. r power to anyone until they have proven over and over again that FESTO #17. Landlords Understand They Will Never Have Enough Time. Spend as little time necessary on the things that do not advance your vision. FESTO #18. Being A Landlord Is A Long - Term Game. Ymouuchwyilol uovcearneastcicmoamteplhisohwomv eurctheny.ouThcai nnkalcocnogmtperlimsh. in a year an d u nder estimat e ho w FESTO #19. Landlords Know That All Deals Are Too Good To Be True Ah al ws na’yt ss oa ms keyoonuerbs eoluf gi fhtthi itsypert o? pGeer tt yAiLsLs ot hger ae na ts wwehrys ibs ei tf osrt ei l lyaovuadi l eacbildeef ohro swa lger?e aWt thhya t property is. FESTO #20. What Will They Say About You? Ww ehraet wwhi lel ny oyuoru kairdes ,l oy no gu rg og rnaen? dHk iodws adnodytohue iwr akni dt st os abye arbe omuet mwbheartekdi?n dL iovfeptehrastown ayyo un o w . FESTO #21. You Are Never As Good Of A Landlord As You Think, You Are Never As Bad As You Think and Neither Are They. Yc roi ut i cwa il l al to vh eorwr abt ae dy oy uo ur saerl fe aatt hsoowm eg ot ho di n yg os ut oaor.e Ta ht eb epienogpal el aynodul owr idl l. aYdomu i wr ei lhl abveeotvheeri r ogowondsaest yoof uprmoabyletmhisnakntdheinysaerceurniotireassnboamd.atter who they are and they are also never as FESTO #22. Landlords Have More Power and In�luence Than They Think. More people are watching you, listening to you and learning from you than you think.
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