St. John's Capital Group Hubert Yu Seminar

St. John's Capital Group's Hubert Yu Held a
Seminar on Commercial Real-Estate Investing

San Jose, CA. Dec 9, 2006 — St. John’s Capital
Group, (www.stjohncapital.com), the premier
financier for companies purchasing undervalued
assets, is pleased to report that its manager of
wealth management, Hubert Yu, held a successful
educational seminar today on the topic of "How to
generate your own paycheck through apartment and
commercial real-estate".

St. John's Capital Group are in the process of
forming and organizing a real-estate investment trust
(REIT) for 2008 and as part of that effort and for the
benefit of its community members, are planning a
series of educational seminars to align with the
effort.

In this first ever experimental seminar, Hubert
shared his own experiences of investing and
financing real-estate projects at St. John's Capital
Group.

While most investors would like to have the benefit of
owning high income producing properties, they ofen

do not have all the funds needed to tackle the
project all by oneself,
do not have the network needed to access
the high quality deal flow,
they often do not have the time to acquire the
experiences necessary to filter, identify and
evaluate the potential properties,
nor do they have the experiences to negotiate
and close those deals, and
they of ten dread the amount of effort and
time required to manage issues inevitably
arise.

Hubert showed the audiences alternative way to
reap the benefit of generating income and control
properties while avoid property management
hassles. Furthermore, he inspired audiences to
create passive income stream by grasping private
financing concept and to taking action.

The seminar also assisted the audiences with
answers to the following questions:

How to find a safe harbor for investments
among stock,bonds,and other real-estate
vehicles?

How we can model the risk management
strategy traditional banks employ in
originating loans to protect ourselves?

How we can use credit information
(reputation, credit score, other lenders'
assessment), collateral information (loan-to-
value ratio [LTV], Comps, Valuations),
financial information (income statement, rent
roll, debt service coverage ratio [DSCR], CAP
Rate, balance sheet), title research
information (ownership, title chain,
insurance), insurance (fire and hazard, error
and omissions, business liability) to evaluate
opportunities and mitigate risks?

How we can employ Warren Buffet's value
orientation strategy in real-estate investing
(not chase after retail market but seeking
under-valued assets)?

How to effectively partner with Professional
team to create High Yield and Passive Fixed
Income?

And also where to find the hidden source of
fund including self-directed IRA and others?

If interested in participating in future seminar, please
provide your e-mail and contact/location information
in the Contact Us and put "seminar" on the subject
line. We will put you on a mailing list.

Hubert Yu, pictured above, in Marriot Hotel, San Jose,
CA on Saturday, Dec 9, 2006. A rising star at St.
John's Capital Group, he was the speaker at an
educational seminar on apartment an commercial
real-estate investment. (Photo: Josh C.)

********************************

The Seminar was well received by the audience.
Below are some feedbacks provided to us by
participants.

From Jasmine:

"The atmosphere and responses from the audience
of more than 30 people were very positive. Many
constructive and interactive questions were
discussed through the meeting. Although it was
overrun for half an hour, more than 95% of the
people stayed to the end. When the hosts left almost
1.5 hours after the meeting finished, there were still
4 –5 people there and wanted to ask more
questions!"

From Wanda

"Overall, it's a great seminar to understand the
private investment concept; especially when Hubert
used actual examples to apply on the concept. It
would helpful to explain more on the terminology like
cap rate and product."

From Edwin Yeh, CEO, St. John’s Capital Group

“Hubert is a determined, can-do, and sincere
entrepreneur! He is an inspiration to those of us W-2
employees struggling in the rat race that we can do
better too!”

********************************

About Hubert Yu

Hubert Yu, a former W-2 employee-turned-
entrepreneur, is currently a manager of wealth
management at St. John’s Capital Group. Prior to St.
John's Capital Group, Hubert has made investments
across the U.S. and China. He was formerly an
associate partner at Alameda Financial which
focuses on buying distressed mortgage and pre-
foreclosure properties.