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Family Wealth: 5 Vital Steps For Ensuring Your Succession Plans

By Fuquan Bilal

One of the most pressing concerns, and what keeps us up at night more than anything else is taking care of our loved ones. We can work hard, save money, and spoil our kids while we are around, but that may not be able to really see our biggest wishes for them for the long term realized. Whether it is a cause you are passionate about, or your concern is putting your kids at the helm of your estate and you’d like them to flourish, what essential moves should be made to see it come about?

1. Get A Clearer Vision

vision-2372177_1280In order to make it happen, we really need a clear vision of what we want. Not just “I want to make millions, donate to charity, and give my future generations an empire.” Define that. What type of cause are you going to support, and what should my they be accomplishing? How much money do you need for your lifetime? How much do you want to leave to the next generation?

2. Set Up Retirement Income

There is a good chance that we’ll either live decades longer than we expected, or we’ll be forced to retire many years earlier than expected. Having a solid plan for retirement income in those years will be vital for not becoming a financial burden on those we love, and not ravaging any nest egg before it’s time to pass it on. Establish passive income streams now, so that isn’t an issue.

3. Put The Right Structures In Place

Wills, trusts, and inherited IRAs and income properties can all be a critical part of a family estate which avoids being eaten up by taxes, poor transitions, and courts.

4. Train Your Beneficiaries

The most important thing you can do is to train your beneficiaries to manage money well. If you leave them a little, they will still be able to multiply that. If you leave them a lot, they can do even better. Educate them about money and proven principles. Empower them with better ways to think about money. Give them entrepreneurial skills.

5. Connect Them With Help

mentor-2443788_1280All too often essential conversations about inheritances never happen. Then heirs get lumbered with cash, a mortgaged home, or investment tools they don’t understand. Then they have to find and turn to strangers for advice. Isn’t it better to introduce them to your contacts who you trust to manage your wealth now? Then they already have a proven partner for success.

Investment Opportunities

Find out more about investing in secured debt and real estate, go to NNG Capital Fund


Fuquan

Fuquan Bilal

Fuquan Bilal founded NNG in 2012 with the principal mission of capitalizing on the growing supply of mortgage notes in the interbank marketplace. Mr .Bilal utilizes his 17 years of residential and commercial real estate success to identify real estate opportunities and capitalize on them. To date, he has successfully managed three private mortgage note funds that primarily invest in singlefamily performing and non­performing mortgage notes. His financial acumen and proprietary set of investment criteria enable him to purchase underperforming real estate assets at a deep discount of face and market values, thereby increasing the value of the assets. This, coupled with his ability to maximize the use of leverage, enables him to build strong, secured portfolios with solid passive income flows.

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The Better Alternative to Your Retirement Account

By Gabby Darroch

Today I want to spend a little time clarifying exactly what makes the Infinite Banking Concept different. Different from any other banking system, financial institution, or retirement you’ve ever seen or heard of before. This will help you understand why The Money Multiplier is the best system for your money.

There are 3 major differences, and they are as follows:

  • You don’t have to lock up your cash;
  • You don’t have to turn over control of your cash to someone else; and
  • There are guarantees from day 1.

So let’s explore those a little further.

#1 – You don’t have to lock up your cash.

safe-3703193_1280If you’re contributing to a 401k, IRA, or any other retirement account, you might as well forget about your money. In fact, you probably already have because you can’t touch it and you can’t use it when you need it. Out of sight, out of mind.

Qualified plans require you to lock your money away until some far away future date, when you’re allowed to use it. You can’t get to your money without major penalties until you’re 59.5 years old. And the worst part is that you have no idea if your money is growing or tanking, until it’s too late.

You’re also giving up the opportunity to use your money today. You’re hoping your dollars will be there later. But when you’re finally able to use them, they’re actually weaker than when you locked them up because taxes go up, not down. And even if taxes do go down, we end up getting taxed on more things.

(Read this article to learn how quickly after you pay your premiums you can use the cash account in your policy.)

#2 – You don’t have to turn over control of your cash to someone else.

Don’t you associate more return with more risk? How much more risk are you willing to take on these days? Probably none, right? Especially with the money you’re intending to live off of after retirement. So, while there are people who say they have the time and expertise to manage your money for you, you won’t know if they are doing a good job. That’s a pretty big risk, don’t you agree? Like I said before, the only way you’ll know if your money is being mishandled is when it’s far too late to do anything about it.

But if you believe that with the right information you could make good decisions with your money, then you wouldn’t have to feel the need to give it away to someone else.

#3 – There are guarantees from day 1.

moneymultiplyNo other financial guru or financial product contains guarantees like this. The only thing they do guarantee is that they can’t go below zero. But inside your policy contract with The Money Multiplier there is guaranteed growth of 4%. And this growth isn’t tied to the markets whatsoever. So even if Wall Street sinks to an all time low, your policy will continue to grow at a rate of at least 4%.

The decision is clear

This is just a little taste of the power and control you have when you have a policy contract with The Money Multiplier. Your money isn’t locked up for years. You don’t have to hand over control of your money. And growth is guaranteed on your policy from day 1. Two things come to mind when I hear this: freedom and peace of mind.

Get started by visiting www.TheMoneyMultiplier.com . Scroll to the very bottom and click on “Member Area.” Enter the password “bankwithbrent” and watch the presentation that appears on the next page.

When you’re ready to begin building a retirement account you don’t have to wait until retirement age to use, email us at info@themoneymultiplier.com . Or give us a call at 386-456-9335,and one of our mentors will be in touch with you.

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Why now is the time to start a policy

By Gabby Darroch

It really burns my biscuits when I hear people say, “I don’t want to start a policy yet because of the Coronavirus. I am not sure where the economy is going to go.”

corona-5081311_1280And the reason why this gets me so heated is no secret. Let’s be honest. Many people are making decisions out of fear right now. And fear-based decision-making is just about the worst thing you can do in an already difficult situation.

But this difficult situation is more reason than ever to start a policy because you’re right, you don’t know where the economy is going to go. On the contrary, did you know where the economy was going to go before? No, and you will never be able to predict this.

Things happen. We have windfalls and downfalls. Raises and demotions. We buy things and we also sell things. There are pandemics; We are healthy. Terrorists attack; Our country is safe and secure. We have Republican Presidents; We have Democratic Presidents.

My point is, you never EVER know what is going to happen. You can’t predict the future. So why do you want someone else controlling your own financial life?

Now more than ever, this is why you want to start a policy.

This is why you want to take control of your financial wealth. Because you don’t know what’s going to happen.

mailbox-2607174_1280Do you really want to be sitting by your mailbox waiting for:

  • your stimulus check to arrive;
  • the government to take care of you;
  • your pension to kick in;
  • social security to supply you with income; or
  • your 401(k)/IRA/qualified plan/mutual fund to save you?

Is that working for you?

How many people do you know that are out there at retirement age that are working when they should be enjoying their life? Are they working because they really want to be working? Because they just want something to do? Or are they doing it because they have to do it for survival because their qualified plan, their 401k, their IRA, their pension won’t save them? And the government didn’t take care of them like they thought they were going to.

It’s time to wake up.

businessman-4279253_1280It is time to take control of your own financial life. Quit making excuses. You are the one that can take control. And what better way to do it than to put your money in an environment where you have guaranteed tax free growth, where you pay the tax ONE time on your money at the lowest possible rate and now you have it into a vehicle, into a machine, into an environment, where you have guaranteed growth, and the government is completely out of your hair.

And not only is it going to create wealth for you while you’re living, but it’s also going to create multi-generational wealth for your spouse, your children, your grandchildren, and future generations to come.

Come on ladies and gentlemen. Get on board. Now is the best time to start your banking policy!

Why do you think we’re so busy here at The Money Multiplier? It’s because people are sick and tired of all that’s going on with their money. They are tired of the bloodbath in the stock market. And they don’t know what’s going to happen with Real Estate.

Next time you think, “Oh no! Are we at the peak or are we in another recession or depression? What’s going to happen?” stop yourself and remember, you have a policy, so your money, your financial future, is safe. That is, if you take action now. Eliminate all those worries in your life by taking control of your own financial wealth.

If not you, then who?

businessman-4914044_1280If you’re not going to take care of yourself then who will? YOU need to make the decision right now.

The wealth train is moving down the track. And it’s going to stop at your station. Are you going to let it pass you by? Are you going to watch it head on down the track? Or are you going to hop on board and take the wealth train to the promised land where YOU own and control your financial life and future.

To learn more or get started, please visit www.TheMoneyMultiplier.com . Scroll to the very bottom and click on “Member Area.” Then, watch the presentation that appears on the next page.

When you’re ready to get started on creating your financial legacy or if you have more questions, please email us at info@themoneymultiplier.com, or give us a call at 386-456-9335, and one of our mentors will be in touch with you.

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Control Freaks Welcome

By Gabby Darroch

When you think about traditional banking systems, I am willing to bet you don’t think about having control over your money. Typically, the banks have all the control.

Think about that for a second. It’s YOUR money and the banks CONTROL it. They control what you do with it. They control what OTHER PEOPLE do with it. And they control the “wealth” you gain from it. I say “wealth” in quotations because for you it’s not really wealth at all. You earn pennies on your invested money while the banks gains upwards of 400% on that same money you invested.

I’m sure when I put it like that you see there’s something obviously wrong with the traditional banking system. It’s just another way the rich get richer, but what about you?

Well, imagine being in control of that banking system. With cash compounding you can be, and you’re going to notice some HUGE differences when compared to everything you’re used to in the traditional banking world. Here are 3 of them:

#1: You don’t have to lock up your cash.

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If you are currently contributing to some kind of retirement account, such as a 401k, you probably forget about that money regularly. Why? Because you can’t use it until retirement age without being severely penalized. Out of sight, out of mind. Right? Well with cash compounding you aren’t “locking away” your money for retirement that may not be here for another 10, 20, 30 or more years like you are with retirement accounts. And you get full use of your dollar when you need it… NOW! With those traditional retirement accounts, your dollar typically becomes weaker over time, leaving you with fewer dollars than you invested.

#2: You don’t have to turn over control to someone else.

It’s risky to give someone your money and not know if they are doing a poor job with it until it’s too late. Well, that’s what you’re doing when you invest your dollars into a traditional retirement account. If you had the right information, you could easily be the one that’s in charge of your money and know where your finances stand on a daily basis instead of relying on a stranger to do the leg work, only to find out they could’ve done better.

#3: There are guarantees from day 1.

The ONLY guarantee you’ll ever see with any qualified retirement account is that they won’t go below zero. So much for overdelivering on their promises. With cash compounding, you are guaranteed a minimum of 4% growth, no matter what happens in the economy. Your money isn’t tied to the market so if it crashes, you will still be sitting pretty.

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The Money Multiplier Method utilizes this cash compounding concept. And through these techniques, we help you to create your own generational wealth that is completely, 100% controlled by you.

Your money, in your control, working for you every single day… Who knew?

To learn more about this method and what it can do for you, please visit www.TheMoneyMultiplier.com, scroll to the very bottom and click on “Member Area.” Enter the password “bankwithbrent” and watch the presentation that appears on the next page.

When you’re ready to get started on creating your financial legacy or if you have more questions, please email us at info@themoneymultiplier.com, or give us a call at 386-456-9335, and one of our mentors will be in touch with you.

info@themoneymultiplier.com

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Think Differently to Uncover Huge Hidden Profits

By Karen A. Walker

Nobel Prize-winner Albert von Szent-Gyorgy once said that “discovery consists of seeing what everybody has seen and thinking what nobody has thought.” It’s a description that captures what sets LuxHomePro, its processes and its co-founders apart from others. In a nutshell, they think differently about luxury vacation rental property.

Founding partners Jerry Conti and Dave Bynum were introduced by a mutual friend. At the time, Jerry was looking for a fresh, innovative and lucrative opportunity to market.

Dave had just completed an eight-year, remarkably innovative and profitable lead generation program he had developed and managed for a number of major banks from 2001-2008. With that project finished, Dave was also looking for something new that he could really embrace and enjoy as much as he had enjoyed the lead-gen project.

Keep an open mind: Unexpected connections

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In truth, nothing innovative happens in a vacuum, and rarely at a convenient time.

As it turns out, Dave was in the midst of planned chaos on the day Jerry called to follow up. That chaos included a camera crew and live taping session with Dean Graziosi. Just days earlier, someone else previously unknown to Dave had tracked him down in an effort to become a silent financial partner on any project Dave had in mind. At the time, Dave didn’t have anything in mind.

Dave kept an open mind to see where it all would lead.

Something clicked in the conversations with Jerry. Their synergy, diverse areas of expertise, shared ethics of openness and trust, serving others, and creating win-win-win opportunities that also allowed for big, ethical profits resulted in the launch of LuxHomePro at the end of 2017.

Culling from his years of experience fixing and flipping homes and short-term rentals, Dave applied his knowledge to what he saw as a new emerging trend: an increasing demand by travelers to rent luxury homes, rather than stay in hotels. AirBNB, VRBO and similar platforms were beginning to pay attention to the trend as well, which opened up even more opportunities for the untapped win-win-win Dave recognized.

“I see opportunities that people don’t see,” said Dave. “I can align the dots enough to get it going and then work through any failures to fix things and make it work.”

And that’s what happened.

Further fine-tuning was needed and the business was in full operation by April 2018, now offering about six seminars a year, with turn-key systems and a variety of optional, more intense training levels to participants.

“I have always led my life by being the quiet guy,” confesses Dave. “When I’m at a meeting or in a crowd, I tend to read the room, figure it out, plant a seed and then listen. I spend more time listening than talking. I find you learn more from others that way.”

In contrast, Jerry is a front and center, get onboard and let’s have fun on the journey kind of person. The two co-founders complement each other wonderfully, and they forged a bond of mutual respect and trust, which makes for engaging, in-depth and hands-on, achievement-oriented learning for their students.

Keep it Real, Keep it Simple

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“For us, it always has to be a win-win-win,” underscores Dave. “It’s a whole lot better if everyone is upfront and transparent. When you have a problem, get it out in the open so we can solve it together and move forward. Otherwise it can fester, people sneak around behind others’ backs and it’s just a waste of time and energy. Keep it real! In every negotiation, every relationship, keep it open and upfront.”

“One of the most exciting things for me,” Dave adds, “is when I finally put together all the pieces of a problem or project and it works! It’s exciting for me when people say yes, believe in us, take action on what they learn, and then achieve the same or better results. It’s exciting because it helps change other people’s lives for the better. That matters a lot to Jerry and to me.”

Core Concept

For those who’ve not yet experienced the LuxHomePro opportunity, the core concept is brilliant.

There are basically three components:
▪ Luxury vacation renters. Offer dream housing options to those seeking luxury vacation home accommodations.

▪ Luxury home owners. Offer owners of qualified luxury homes an option to sell at a good price and also to earn significant revenue prior to selling, without any work on their part and without having to wait many months and even years to sell their high-end luxury home.

▪ LuxHomePro Student “Connectors.” Earn high profits, on a consistent basis, following a proven-successful strategy and easy-to-follow templates and systems, without the need to own anything or have good credit.

It’s essential, of course, that the person connecting all parties (“the connector”) follow the system correctly. Everything is laid out for seminar attendees, including how to properly market a property, how to develop attractive pricing, how to upgrade for vacation renters and how to manage the operation efficiently and profitably.

Leave out—or even worse, cut corners—on any one of these components and the promised, sure-fire success is in jeopardy.

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For example, rent a luxury vacation rental home from Dave and you’re sure to find such amenities as a hot tub, in-home games, pool or foosball table, baby-sitting and personal chef upgrade options and super-discounted access to local golf club or other luxury amenities. You can count on your experience in one of his homes to be truly luxurious and of more value than that for which you paid. Not cheap, but over-the-top value. That’s what LuxHomePro trains its students to provide.

So, if the LuxHomePro plan is followed as laid out, and if it’s managed correctly, it’s a beautiful thing all around—amazing profits for you within 4-6 months or so, amazing experience for the renter, and amazing profits for the home-owner. A win-win-win.

Not to mention, a no questions asked, money-back guarantee.

What others say

A broker in Michigan who had done fix and flips for years and recently got into short term rentals said he found himself struggling with the short term rentals. “I tried do it the traditional way like you see on YouTube,” he explained “and really struggled with it. I met Dave and he helped me with it, looked at the resources I had to work with and took it from there. He’s thorough. He’s patient and he starts working with you at wherever you are starting out. He can take it to where you want to go.”

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Shelly Clayton from Scottsdale echoes the Michigan broker. Shelly raves about how Dave’s system took her from 4% booking rate, which translated into two bookings a year (one of them even cancelled) to a 96% booking rate.

That’s a small segment of real-world, first-hand feedback from those who implemented the LuxHomePro training and systems. And all of it is music to the co-founders’ ears!

For Jerry and Dave, it’s all about helping to change other people’s lives for the better.

Looking forward

Jerry and Dave recently introduced a super simplified option in which they’ll act as a partner for select students who have financial limitations, but a strong desire to participate in the vacation rental industry.

To learn more about all of LuxHomePro’s offerings, go to www.LuxHomePro.com

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Top Five Take-Aways from LuxHomePro Seminars:

1. Keen eye. Walk away knowing exactly how to identify profitable luxury rental properties.

2. Love what you do. Find your own niche or niches in the industry from which you’ll be able to master and profit year after year.

3. Only win-win-win. Learn the secrets to setting up deals and negotiations on the basis of a win-win-win where no one gets a bad deal.

4. Positive negotiation. Learn how to successfully negotiate with homeowners so they will jump onto your side and will want to work directly with you.

5. Systems and Automation. Learn which systems to put into place to automate your business for maximum profits and efficiency.

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Wondering What to do NOW In Real Estate? (Part 1)

By Jimmy V. Reed

So what do you do when the market is flooded with so much
Competition? How do you really get Wealthy in Real Estate? Getting fed up!?? How about Real Wealth Deals???

It seems everyone has started buying any and everything in real estate and the worst part is everybody is in real estate and everyone in real estate is claiming to be some kind of Expert! There is so much overload on what you should do and how you should to do it. It can certainly drive a person crazy just starting out in the business. Well it can also drive a 30 plus year Seasoned investor crazy too!

human-3175027_1280So, what happened? Well Social Media and the Internet has given everyone access to everyone and everything real estate. To top it off you can get a lot of new wanna be investors mixed in with those who are really serious and interested in investing, that in return creates so much run around that it sometimes all seems like a big waste of time. All these Experts are saying you need to be on Facebook, Craigs List, every Internet site there is. Market everywhere & to everyone, and yet I think when you send an email these days everyone just gets use to hitting the delete button from all the overload of emails, they no longer even really read them.

Now let’s step back to the days of old, by the way everyone out there will also tell you old stuff wont work. But give me a minute and I can explain, “yes it can”! See there is a higher level of investing from what I call Real Networking. You see most investors today go to all these free Networking events, well because there free! Broke people tend to be the majority at most of these Networking events. Go back in time yet even still today and you find that the Wealthy still Network like they always have. They’re at their Monday Golf games, or their every Tuesday lunch meeting with the 2 to 4 people that they have done business with over the years.

yacht-4292334_1280You see the Wealthy hang out with other wealthy people. They want the people around them to be smarter & wealthier than themselves. And no matter what the investment or the technique they use to get it done there are some basic principles that never change. So, let’s talk about some of the most important.

First most people may start out just like I did, broke! So, they go straight for the greatest technique Wholesale! But now days it’s changed a lot. If you are in a market where prices are soaring and everyone and their mother is your competition, then it’s going to be tough! You also must look at where you are looking for your potential deals? Is it on Social Media? MLS? Keep in mind now days everyone likes to market that they have an “OFF Market Deal” as they scream that out over the Internet to the whole world. So, what do you do?

Well first let’s list other ways to make Money vs get Wealthy. Second thought lets just go for Wealthy! However, before I do let me help a little with Wholesale. How about Wholesaling Notes. You may have less competition. Or look at Probate but not a list! Check out other articles or our website about these and other ways to find deals with less competition at www.JimmyReed.net.

Now Wealth, real Wealth is really just this simple, whether you like it or not. “You Buy & Sell to create Cash! And You Buy & Hold to Become Wealthy!” If you just keep buying and selling you will always be working a job. Regardless if you are Wholesaling or Flipping Rehabs, it’s just work, a JOB!

sale-3701773_1280Holding Houses or any real estate that pays you Monthly is the first step to becoming Wealthy. By the way holding houses verses holding notes both are great, but the notes do eventually come to an end. Holding assets that produce income in the right Markets will always keep you in the Cash Flow regardless if you work or not.

I’m sure you’re asking yourself well how are you going to do that with no money, well you’re not, but someone may be able to help you. That is exactly how I got started back in the late 80’s. I found a partner with money to put down to get a house we could buy, fix and sell. However about 6 months in it became a buy & hold asset instead. I won’t go into all the details but basically it became one of my first rentals.

Now I know many will say I don’t want a rental, or I don’t want to manage property, or even the most popular “tenants will just tear it up”. Well I can agree with you on all of that. However, after 30 plus years of investing this one strategy of Buy & Hold has truly been how we have made the most money over time. We have had every issue you can think of from damages to drug raids even fires, you name it and it has happened to us.

taxes-646511_1280-1024x538So, get over it! Here is what you need to focus on, one you have tax benefits, two you have Monthly income, and third you can refi the property several times over the years you hold title on it. Lastly you can even use that refi money to purchase more rentals. Start to build your portfolio and start creating a line of credit with the equity. So much more I can tell you, but I want to get to the bigger picture here.

After having rentals for many years including apartment buildings, duplexes etc… I decided to kick up my Wholesale machine the last couple of years, and low and behold I can’t seem to find any REAL Wholesale Deals! All those new people have driven the market up and created so much competition its just not as easy to get great deals as it use to be. However, via our Network and searching in the areas that have less competition we do find some great deals. But again, prices are nuts and the rehab has gone up all because our Market is HOT!

So now to what this whole article is really about, and that is going to Markets just outside the major Markets. See I live in what we call here in North Texas as the DFW Market. Over the last several years we went from some 5 plus million people to over 7 million plus. Outside buyers from higher priced markets such as California, New York, etc… have driven up our prices with all the demand. So, everyone has jumped into the real estate game.

new-home-1664284_1280So, as you have probably figured out, I like to be in my own little arena where no one else is playing or at lest very few. I aim for the strategy most investors are not, and buying rentals is one of those. Especially if that rental is NEW Construction. Yes, we are starting to do something a lot of Texans in the past just would not do, and that is travel outside our markets like the Californian Investor has done for years.

Only thing is we don’t have to travel that far. You see we have found some really hot markets anywhere from a 30-minute drive up to a round 3 hours outside the booming DFW Market. Best of all I’m now buying New Construction houses with all the higher end fixtures, flooring, even all brick construction. Best of all they cost less than that 1960 or 1970 home I buy in my backyard that still needs $30 to 50k in rehab on top of the purchase price. Even after those houses are rehabbed, they still are older houses.

So, let me tell you this article will be a two-part piece. This first part we will look at some of these new construction properties in these out of the Metroplex market. Yes, they still have a high demand and do cash flow as rentals. In the next issue (Part 2) we will talk about these properties and how to take the standard rental and have the option to turn it into a VRBO, for in many cases you will triple the Cash Flow!

So lets begin with the market where I am buying New Construction for rental only just less than an hour to hour and half outside the DFW Market. By the way we even have a great Property Manager we work with from our real estate club who can manage them.

What I’m purchasing are properties that are typically 2-1 or 2-2 brick houses with all the high-end fixtures and flooring and even include the stainless steel or black appliances. These properties are smaller but there is a demand for the price point as a rental and even as a resale later.

architecture-2804069_1280The little town they are in was voted as the number 1 Historic Downtown in the USA. And let me tell you the Market is rocking with just a few Investors. Many DFW Investors don’t even know about how Hot the Market is here. Here is a little glimpse of it.

Yes, this little town is booming with growth and not enough properties for the growth. More importantly hardly any affordable rentals in the area. And when you find something for rent that is close to being affordable its most likely a mobile home.

So, opportunity has arrived! We can get these homes anywhere from around $158 -$165k and they can rent from $1,300 to $1,400 a Month. Keep in mind you have a new product, so repairs are very minimal. Then, because of the lake access and the properties being less than a few miles from the Square they could also be used as VRBO and Airbnb. We will talk more about that in next Month’s article.

Imagine having brand new construction houses in the hottest little Market in the US just South of the DFW Area which is rated 4th largest Metropolitan area in the US. Just 30-minute drive from Fort Worth and another 45 – 75 minutes from Arlington, and Dallas.

Granbury TexasAt the time I’m writing this Linda the owner of Realty 411 & REI Wealth has asked us to help out at her October 2020 Texas Expo. Last year we did a bus tour for rehabbing properties. This year if all goes to plan, we will be doing it again, but this time the Bus training is going to Granbury for New Construction Investing!

Make sure to keep an eye out in the magazine and Realty 411 Marketing emails so you can make it to Texas for the Lone Star Expo! Also don’t forget next Months magazine with part 2 of this article.

So, in closing for this first article was to help get you out of the box of doing what everyone else does. When we travel the country speaking at clubs and Expos, we always talk about how to Wholesale in today’s market and also how to look in areas most do not such as Probate. Sometimes we will even do a 1- or 2-Day Training in the area to teach on these subjects and more. This year part of our full day events we will include these new construction opportunities along with using them as VRBO and Airbnb as another avenue for increased cash flow.

We also cover how to make more money tax free with these investments using a Roth IRA. So, you may also want to consider opening an IRA to hold these Buy & Hold investments. Yes, you may not have much money in them when you start. But you can open one and then start to wholesale properties, or even wholesale notes so you can start to get some cash built up. Then you are also building your wealth for the future. Typically, with an IRA you are building that wealth tax free. So, using a Roth does have some real advantages.

The main thing is position yourself so you can maneuver positively so no matter where the market turns. If you keep your eyes on the market and not so much on the quick buck, you can become very successful even Wealthy at this real estate game!

Be Blessed with Success!

Jimmy Reed


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Jimmy V. Reed

Jimmy V. Reed of Fort Worth, Texas has been investing in real estate since 1987. In 1991, he started conducting full-day training sessions on Wholesaling. He then began teaching and mentoring others throughout the country. He is currently the founder of the Fort Worth Real Estate Club www.1REclub.com and has his own real estate training company that includes Wholesale, Probate, Mentoring & a Biblically based Debt Free training course and more!

More info available at www.JimmyReed.net

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Business Plans For Opening An Assisted Living Home

By Gene Guarino

Why do I need a Business Plan?

The number one reason to have a business plan is for you, so that you have clarity of vision of who you are, what you’re doing and where you’re going.

why-1780726_1280The second reason, is to help raise capital. No private investor or a lender is going to give you the money you need without a business plan. You need to be able to show to other people that you know what you’re doing and where you’re going. You need to know where it starts, where we break even, where we’re profitable, what’s my reserve and all of the details. You want to give them a clear vision so they can buy into or lend to you.

What are the 5 Ps?

People. Me, you, whoever is inside and operating within this business. The first thing a lender is going to look at is, who are the people involved? What experience do they have that is related to what they’re giving the money for? What do you do now that relates to what you’re raising the capital for? And if you don’t, who else can you put inside your Business Plan as an advisor? A team of people is better than one person.

meeting-2284501_1280Product. In your business plan you have to lay it out. What is it that you’re doing? Is it a product, a service, Is it whatever? You need to explain that clearly. With senior housing we’ve got it down to a T. We know exactly what it is.

Position. Are you the most expensive and that’s what makes you better than everybody else? Or are you the least expensive, which makes you available to everybody and everybody, however you don’t want to be the cheapest because then you’re always battling on price, and to be at the top? There’s very few clients or customers at the top. The best position is to be a high quality, somewhere above the middle. That’s what we call the sweet spot.

Projections. If you’re buying an existing business, there’s a past, a present, and there’s the projections into the future. The projections are, this is where we’re at and this is where we’re going. I’m going to encourage you to be conservative. Whatever you think it is, reduce it a little bit more. Don’t go overboard, make it more conservative to give you some breathing room so that you can under promise and over deliver when it’s all done.

door-1590024_1280Plan. An exit plan is one of the key elements that most people miss. That lender doesn’t want to know how much money they’re gonna make. They need to know their money is safe. They need to know there is a purpose. A two to five year exit plan means their money is committed for two to five years and our plan is to either sell or refinance once that business is stabilized. And that investor wants to know that they’re going to eventually get out of that deal. So two to five years on an exit plan is that key.

You can also subscribe to our iTunes for on the go listening:
https://itunes.apple.com/us/podcast/assisted-living-networks-podcast/id1360517721?mt=2


Gene Guarino
Founder/CEO
Residential Assisted Living Academy™

Gene is the President, CEO & Founder of RALAcademy.com. Gene has over 30 years experience in real estate investing and business. Today, Gene is focused on just one thing… investing in the mega-trend of senior assisted housing. He has trained thousands of investors/entrepreneurs throughout the United States how to invest in and operate residential assisted living homes. For over 25 years he has been educating people on the strategies of successful investing, business and self-employment. He now specializes in helping others take advantage of this mega-trend opportunity.

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REAL ESTATE: USING INFLATION TO YOUR ADVANTAGE

By Glenn Mananeng

Inflation is an increase in prices for goods and services. In other words, as time goes by, your buying power becomes less compared to the previous years with the same amount of money. Picture yourself in the 90s and you have around $1 million dollars. Seems like a hefty amount of money especially if you’re thinking of settling in for retirement. Fast forward to the year 2019 and that same amount of money wouldn’t be as lucrative to save you up for the next few years to come. Inflation is something that has proven to be detrimental for most people. If we’re talking about investments though, a good investor can turn the negative face of inflation into something positive – and use it to their advantage. Strategy Properties is here to guide new and seasoned investors on how to deal with inflation and that they should actually welcome it.

Understanding Inflation

statistics-227173_1280A deep dive into inflation shows that it’s more than just an increase in prices. Reduction of interest rates, changes in demographics, and an increase in the rate at which income is generated are several factors that come into play. Like what we’ve mentioned, the oversimplified result of it is an increase in the price of goods and services such as food, rent, real estate prices, and stocks. What doesn’t rise with inflation though is your money. To put it simply, your cash is worth less as time goes by, which is why holding it for long periods of time isn’t a good strategy when it comes to investing and inflation kicks in.

Real estate has been a popular choice for investors because the rising prices increase the value of a property over time. As the price escalates, the rental payment of tenants can also increase which would benefit property owners and landlords. Inflation is inevitable. It can either be at a high rate, a steady rate, or something in between. The best way to win against inflation is by using it to your advantage.

Why real estate is the best investment

key-2114455_1280Properties are more immune when it comes to recession. To put this into detail, let’s take stock market investing as an example. The stock market can offer big returns in a predominantly strong economy but becomes very risky when it dips down to a recession. Your investments, no matter how strong they are, can easily shift on a volatile market. In real estate, you become less prone to a loss when recession hits since properties are generally almost always in demand for housing or other purposes.

Real estate investment trusts (REIT) are companies that own and operate income-producing properties. Publicly traded REITs can give you the upper hand in the long-run. It also helps you broaden your investment choices with less capital involved. Some may argue that they can suffer losses due to inflation but the liquidity of these investments can even things out over time in terms of profits.

If done right, your investments will give you steady cash flow. The rental income from your tenants can go straight to paying down the loan principal, which accounts for most of the value in conventional loans compared to other investments that can’t offer a high enough return during inflation. Aside from that, the appreciation of your property increases in value especially when improvements have been made to it.

money-1428587_1280Choosing the right location for your investment property shouldn’t be underestimated too. Settling on an area that is in a strong and economically resilient market is more likely to achieve inflation offsetting returns rather than one with a non-diverse market with weak demand.

Choosing the right location for your investment property shouldn’t be underestimated too. Settling on an area that is in a strong and economically resilient market is more likely to achieve inflation offsetting returns rather than one with a non-diverse market with weak demand.

Strategy Properties is a team comprised of professionals with extensive experience and knowledge when it comes to real estate investment and all the ways to hedge against inflation. Make the smart choice by partnering with us and contact us through (734)224-5454 or sending an email at info@strategyproperties.com. Let us take care of everything while you sit back and enjoy the fruits of your hard-earned investment.

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Hindsight Is 2020: What To Learn From The Last Decade In Real Estate

By Fuquan Bilal

Hindsight is always 20/20. Now looking back over the past decade, everything that has happened in real estate is pretty obvious. What can we take from it as we move into 2020 and the next decade?

Market Recap: 2009-2019

graph-3033203_1280Even though some cities were already being hit hard by the Great Recession and housing crisis by 2005, some didn’t feel it, and it wasn’t publicly admitted until 2008. Some places still didn’t really see all of the foreclosures coming through the pipe until 2011 due to long processing times and banks trying to hide this shadow inventory and their losses. Later years of back data, including three years worth from the National Association of Realtors, would show just how bad things were.

Yet, by 2011, some markets were already turning around again. That also took some time to roll out around the country.

Few people were spared during 2008. It not only rocked people financially but mentally as well. Today, maybe 10% or fewer of those in real estate were in the business prior to 2008.

The Last Real Estate Boom

money-2724245_1280So, from 2011 until 2018 we saw a fresh boom in the US real estate market. This follows the historical pattern of phases of the market running an average of 7 to 15 years.

The big funds definitely helped fuel the fire by buying up huge pools of single family rental properties. Mortgage lenders shifted to making money easier to get for real estate investors than for regular home buyers. The regulations that created this environment really haven’t changed much. Although we have seen the FHA and government agencies begin to back away from their own subprime style loans in the last couple of years, meaning those with virtually no down payments, easy income underwriting and low credit scores.

The experienced and creative investors found ways to acquire assets at great discounts, and have done it at great scale.

However, over the past few years we’ve also seen a whole new wave of brand new Realtors, TV personalities and investors jump into the game. They’ve kept bidding up asset prices, and inventory has become increasingly more challenging to get. At least at numbers which really make sense. We’ve seen the markets that burst the worst in 2008 once again double or triple in prices.

We’ve had rumors of a new recession and warnings the stock market has been at least 60% over priced for years. Most investors seem to have become totally numb to these warnings though.

The Current Landscape

app-2941689_1280As a whole the economy has been very strong. Yet, we’ve also seen some massive IPOs that have failed terribly, and more concerns about tech companies that are losing billions of dollars. Upwork, WeWork, and Uber are just some of them. The recent exit of Google’s cofounders has also raised some eyebrows.

The retail home market appears to have already hit a new plateau in some markets. Rents and retail house prices are just unaffordable, except for speculative flippers in many markets. Even the biggest luxury brands have been ditching Manhattan’s famous retail rows. There are double digit negative trends out there in some niches and submarkets.

On the upside there are still some affordable cities and channels for obtaining discounts, but investors have to look for them.

There is still a huge appetite for US mortgage debt from around the world, to the tune of tens and hundreds of billions of dollars.

The Next Decade

binoculars-1015267_1280It’s logical to expect the next decade to be much like the last one. At some point there will need to be some type of correction. Then there will be a surge in acquiring distressed assets again.

There are opportunities to cash out, buy right, hold and make great returns in real estate. Providing investors invest by the numbers, and don’t fool themselves by buying into the hype.

Some people will always make money. You just may have to be more disciplined and creative over the next five years than during the past five years.

Investment Opportunities

Find out more about investing in secured debt and real estate, go to NNG Capital Fund


Fuquan

Fuquan Bilal

Fuquan Bilal founded NNG in 2012 with the principal mission of capitalizing on the growing supply of mortgage notes in the interbank marketplace. Mr .Bilal utilizes his 17 years of residential and commercial real estate success to identify real estate opportunities and capitalize on them. To date, he has successfully managed three private mortgage note funds that primarily invest in singlefamily performing and non­performing mortgage notes. His financial acumen and proprietary set of investment criteria enable him to purchase underperforming real estate assets at a deep discount of face and market values, thereby increasing the value of the assets. This, coupled with his ability to maximize the use of leverage, enables him to build strong, secured portfolios with solid passive income flows.

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Senior Housing – Big Box vs A Real “Home”

By Gene Guarino

What would you rather live in… a “home” or a warehouse? When it comes to senior housing facilities, there are generally two types: Big Box facilities and Residential Assisted Living Homes.

In general they offer the same type of service, but how they deliver the housing or a “home” experience is very different. The first difference you’ll probably notice is the feel of the facilities. A Big box facility feels like a hotel or an apartment complex. They try really hard to make it “feel” like a home, but it is difficult to get that homey feel in a facility designed for hundreds of people to live there.

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Residential assisted living is done in an actual single family home. It is achieved by converting single-family homes into a cozy place for a a group of seniors to live and receive care.

Another obvious difference is size. Big box facilities are big while residential assisted living homes are small. This difference in size plays a big part in the caregiver to resident ratio. That is the number of direct care staff compared to residents. In a RAL home, an average ratio is 10 residents to 2 caregivers. This is very reasonable, as caregivers can give ample time and attention to the residents. In a big box facility, the ration easily reach 20 or more residents to 1 caregiver. Ratios like this make it difficult for caregivers in bigger facilities to give each resident the full time that they need.

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Big box facilities aren’t all bad. One of their advantages is that there are more residents to interact with. These facilities also tend to be able to offer a wider array of activities for the residents. With a facility of 200 seniors, it is easy to find a group of people that want to knit together, watch a movie together, or maybe play bridge together. Big box homes don’t offer all the advantages though. Smaller homes offer more freedom to residents and their families. It is easier to arrange for a day out with your loved one at a small home. It is also much easier to stop by, with no need to sign in or show I.D. before you see mom or dad like in a big box facility.

A major difference is the cost of staying at these facilities. Smaller facilities generally charge a flat rate for residents care and housing. That cost will be determined up front based on the resident’s level of care and the actual room they stay in. Big box facilities charge a monthly rate and bill additional services a la carte style. The room rates will vary, depending on size and privacy and then they charge more based on what the resident’s level of care is.

location-3324959_1280The location of these facilities are quite different as well. Small homes are generally in residential neighborhoods. In fact, there might be one in your neighborhood and you didn’t even realize it! Big box facilities are large commercial buildings surrounded by a parking lot. These can be located near a neighborhood, but they are generally located in the busier areas or even the business districts of cities. The differences are clear when it comes to big box facilities and residential assisted living homes. One feels institutional, one is a home.

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gene

Gene Guarino
Founder/CEO
Residential Assisted Living Academy™

Gene is the President, CEO & Founder of RALAcademy.com. Gene has over 30 years experience in real estate investing and business. Today, Gene is focused on just one thing… investing in the mega-trend of senior assisted housing. He has trained thousands of investors/entrepreneurs throughout the United States how to invest in and operate residential assisted living homes. For over 25 years he has been educating people on the strategies of successful investing, business and self-employment. He now specializes in helping others take advantage of this mega-trend opportunity.