He’s gone and done it now. Joe Biden is officially targeting your IRA and 401(k). If you value your retirement savings, you need to listen right now. I’m Bryan Ellis. This is Episode #327 of Self-Directed Investor Talk.----Hello, Self-Directed Investor Nation, all across the fruited plane! Welcome to the SHOW OF RECORD for savvy self-directed investors just like you.Joe Biden, Democrat candidate for President of the United States, has tried to slip in a doozy of a tax policy change that, frankly, will hit me and you right in the pocketbook… and he’s trying to make sure that nobody knows about it by not bringing any attention to it.But this has not escaped the watchful eye of the team here at Self-Directed Investor Talk.On today’s page, which being that this is episode #327, that page is, of course, SDITalk.com/327… On that page, I’ll link to the sources from which this data comes so you can judge it for yourself.But here’s the bottom line: If you elect Joe Biden as president, your IRA and 401(k) tax benefits are going to be slashed. Period.The specifics of the policy are not yet well described by the Biden campaign, because I suspect they’re trying to avoid the absolute CRAPSTORM that will result whenever the public gets wind of this. But it’s such a clear and obvious negative that, well… I’ll just read a quote to you from RollCall.com that has some good coverage of this issue. The quote is:The former vice president’s "drastic" proposal, in the words of one industry lobbyist, would upend existing tax preferences for retirement saving in 401(k)-style plans. The Investment Company Institute, which represents mutual funds, exchange-traded funds and other investment vehicles in the U.S. and abroad, has already promised opposition.So, my friends, it looks something like this:Under the current system - which has worked beautifully for decades - when you contribute money to a traditional IRA or 401(k), you get to deduct that contribution against your taxable income.And old creepy Joe… it will work the same way under his system. But with one “little” caveat.Joe will still let you take a deduction for your contribution. But he’s going to limit the amount of that deduction to some as yet underdetermined top rate… probably 26% according to current expectations.So that means that, for those of you higher income earners - of which there are many in the SDI Talk audience - and whose marginal tax rate is not a mere 26% but is 32% or 37% or even higher…Well… you’re just out of luck. Sure, you can still make the contributions… only your tax benefits will be puny under Joe Biden versus how every other President - Democrat and Republican - has handled things in the past.But that’s not the worst of it, my friends. What happens whenever Washington begins to limit a tax benefit? The answer is always the same: They limit it EVEN MORE in the future.So mark my word: If you elect Joe Biden and let him begin to slash your tax benefits on your IRA or 401(k) now… it’s just a matter of time… a matter of VERY LITTLE TIME… before somebody decides that even Joe didn’t slash your tax benefits enough…...and soon enough, the tax advantage to your IRA and 401(k) is gone.But you have a choice. You can make sure that doesn’t happen. If you’re made the connection that voting for anybody but Joe Biden could be a wise decision, you’ve reached a wise deduction indeed.Oh… and a quick note… the latest edition of Self-Directed Investor Magazine is now out, and it’s a SPECTACULAR edition, if I do say so myself. If you’d like a complimentary copy, just send a text message to my office to request it and we’ll take care of you. The phone number is 678-888-4000…. Again 678-888-4000.My friends… Invest wisely today and live well forever! Hosted on Acast. See acast.com/privacy for more information.

He’s gone and done it now. Joe Biden is officially targeting your IRA and 401(k). If you value your retirement savings, you need to listen right now. I’m Bryan Ellis. This is <a href="https://SDITalk.com/327" rel="noopener noreferrer nofollow" target="_blank">Episode #327</a> of <a href="https://SDITalk.com" rel="noopener noreferrer nofollow" target="_blank">Self-Directed Investor Talk</a>.----Hello, Self-Directed Investor Nation, all across the fruited plane! Welcome to the SHOW OF RECORD for savvy self-directed investors just like you.Joe Biden, Democrat candidate for President of the United States, has tried to slip in a doozy of a tax policy change that, frankly, will hit me and you right in the pocketbook… and he’s trying to make sure that nobody knows about it by not bringing any attention to it.But this has not escaped the watchful eye of the team here at Self-Directed Investor Talk.On today’s page, which being that this is episode #327, that page is, of course, <a href="https://SDITalk.com/327" rel="noopener noreferrer nofollow" target="_blank">SDITalk.com/327</a>… On that page, I’ll link to the sources from which this data comes so you can judge it for yourself.But here’s the bottom line: If you elect Joe Biden as president, your IRA and 401(k) tax benefits are going to be slashed. Period.The specifics of the policy are not yet well described by the Biden campaign, because I suspect they’re trying to avoid the absolute CRAPSTORM that will result whenever the public gets wind of this. But it’s such a clear and obvious negative that, well… I’ll just read a quote to you from <a href="https://www.rollcall.com/2020/08/24/biden-retirement-proposal-would-upend-traditional-401k-plans/" rel="noopener noreferrer nofollow" target="_blank">RollCall.com</a> that has some good coverage of this issue. The quote is: <blockquote>The former vice president’s "drastic" proposal, in the words of one industry lobbyist, would upend existing tax preferences for retirement saving in 401(k)-style plans. The Investment Company Institute, which represents mutual funds, exchange-traded funds and other investment vehicles in the U.S. and abroad, has already promised opposition.</blockquote> So, my friends, it looks something like this:Under the current system - which has worked beautifully for decades - when you contribute money to a traditional IRA or 401(k), you get to deduct that contribution against your taxable income.And old creepy Joe… it will work the same way under his system. But with one “little” caveat.Joe will still let you take a deduction for your contribution. But he’s going to limit the amount of that deduction to some as yet underdetermined top rate… probably 26% according to current expectations.So that means that, for those of you higher income earners - of which there are many in the SDI Talk audience - and whose marginal tax rate is not a mere 26% but is 32% or 37% or even higher…Well… you’re just out of luck. Sure, you can still make the contributions… only your tax benefits will be puny under Joe Biden versus how every other President - Democrat and Republican - has handled things in the past.But that’s not the worst of it, my friends. What happens whenever Washington begins to limit a tax benefit? The answer is always the same: They limit it EVEN MORE in the future.So mark my word: If you elect Joe Biden and let him begin to slash your tax benefits on your IRA or 401(k) now… it’s just a matter of time… a matter of VERY LITTLE TIME… before somebody decides that even Joe didn’t slash your tax benefits enough…...and soon enough, the tax advantage to your IRA and 401(k) is gone.But you have a choice. You can make sure that doesn’t happen. If you’re made the connection that voting for anybody but Joe Biden could be a wise decision, you’ve reached a wise deduction indeed.Oh… and a quick note… the latest edition of Self-Directed Investor Magazine is now out, and it’s a SPECTACULAR edition, if I do say so myself. If you’d like a complimentary copy, just send a text message to my office to request it and we’ll take care of you. The phone number is 678-888-4000…. Again 678-888-4000.My friends… Invest wisely today and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

Joe Biden Announces Targeting of IRA and 401(k) Funds  |  SDITalk.com #327

It seems pretty clear that ONE of the two Presidential candidates absolutely opposes everything you and I stand for as self-directed investors. I'm Bryan Ellis. Right now in Episode #326 of Self-Directed Investor Talk, I give you the proof...---Hello, Self-Directed Investors, all across the fruited plane. Welcome to the show of record for savvy self-directed investors like you, where in each episode, I help you to find, understand and profit from exceptional alternative investment opportunities.It is the season for Presidential Politics... and you know, of course, that means I'll poke my head out of the shadows and begin to share with you the harsh realities of politics as it relates to my plight and yours as self-directed investors.You and I, we think alike. We're looking for opportunity. We're looking for a way to apply that most valuable asset of them all… our minds… to fortify our financial positions for the benefit of ourselves, our families, future generations and to help the causes that matter most to us.Yesterday, Motley Fool published a list of 12 tax law changes that one of the Presidential candidates is pushing in his bid to serve in the highest office in the land for the next four years. I’ll link to it on today’s page, at SDITalk.com/326 so you can check it out yourself.Now I won’t even sully the conversation by saying WHICH candidate – obviously there’s only Trump and Biden – but I won’t shift this to being about those men. Let’s just look at the policies and how they’ll impact you and me as builders of wealth.Policy Shift #1: An increase in the corporate tax rate from 21% to 28%. That’s an obvious negative… rising corporate tax rates are ALWAYS – I repeat ALWAYS – passed on to consumers. I could say more, but I suspect it’s unnecessary, so let’s look at...Policy Shift #2: A minimum tax on corporate income. Basically the idea here is this: If a company complies with the tax law in such a way that even the U.S. Treasury is unable to fault their tax planning, and as a result that company does not have to pay income taxes, this policy would mean that that company must pay taxes ANYWAY. Basically, this is a tax on good planning.They’re targeting this one at Amazon and some others that have been astoundingly good at using the tax law to their benefit. But hey, remember: This means that all of those Amazon packages WILL be more expensive in the future… no doubt about it. More expenses for the providers means more cost to the consumers.But surely… SURELY… the remainder of these new policies won’t so directly target – and thus discourage – productive members of society… right?Wrong-o. Whether it’s policy #5 that increases marginal income tax rates for higher earners, or policy #6 that raising the payroll tax on high earners or raising capital gains taxes on… you guessed it… high earners…Well, it almost sounds like the particular Presidential candidate who is pushing for all of these changes really doesn’t like high earners or successful companies very much, does he?And don’t forget… if building a FINANCIAL LEGACY is important to you, then the STEPPED UP basis changes – that’s policy #8 – will matter to you. This is a way of making sure that a horrible tax burden is transferred to your beneficiaries when they receive your assets in the future. Right now, that does not happen… but it would under this proposed tax policy.All that isn’t even to mention the slashing of tax deductions for both personal incomes – that’s policy # 9 – or phasing out small business deductions if you happen to be a successful small business owner, which is policy #10.If you hear a common theme here, it’s because there is one. The candidate who wants these policies to be law – none other than the basement baron himself, Joe Biden – wants, quite fervently, to punish your success.In other words, if it’s your objective to minimize your taxes, creepy Joe wants to MAXIMIZE them.If it’s your objective to build a small business, creepy Joe wants to make sure your tax bill stands in the WAY of your doing so.If you want to build a basis of financial assets for the benefit of future generations, creepy Joe wants to make sure that when those future generations receive your assets, that they’re forced to sell off those assets to pay their tax bill.My friends, a vote for Joe Biden is a vote against yourself. It’s that simple. Don’t vote against yourself.My friends… invest wisely today and live well forever. Hosted on Acast. See acast.com/privacy for more information.

It seems pretty clear that ONE of the two Presidential candidates absolutely opposes everything you and I stand for as self-directed investors. I'm <a href="https://SelfDirected.org/bryan-ellis" rel="noopener noreferrer nofollow" target="_blank">Bryan Ellis</a>. Right now in <a href="https://SDITalk.com/326" rel="noopener noreferrer nofollow" target="_blank">Episode #326 of Self-Directed Investor Talk</a>, I give you the proof...---Hello, Self-Directed Investors, all across the fruited plane. Welcome to the show of record for savvy self-directed investors like you, where in each episode, I help you to find, understand and profit from exceptional alternative investment opportunities.It is the season for Presidential Politics... and you know, of course, that means I'll poke my head out of the shadows and begin to share with you the harsh realities of politics as it relates to my plight and yours as self-directed investors.You and I, we think alike. We're looking for opportunity. We're looking for a way to apply that most valuable asset of them all… our minds… to fortify our financial positions for the benefit of ourselves, our families, future generations and to help the causes that matter most to us.Yesterday, Motley Fool published a list of 12 tax law changes that one of the Presidential candidates is pushing in his bid to serve in the highest office in the land for the next four years. I’ll link to it on today’s page, at <a href="https://SDITalk.com/326" rel="noopener noreferrer nofollow" target="_blank">SDITalk.com/326</a> so you can check it out yourself.Now I won’t even sully the conversation by saying WHICH candidate – obviously there’s only Trump and Biden – but I won’t shift this to being about those men. Let’s just look at the policies and how they’ll impact you and me as builders of wealth.Policy Shift #1: An increase in the corporate tax rate from 21% to 28%. That’s an obvious negative… rising corporate tax rates are ALWAYS – I repeat ALWAYS – passed on to consumers. I could say more, but I suspect it’s unnecessary, so let’s look at...Policy Shift #2: A minimum tax on corporate income. Basically the idea here is this: If a company complies with the tax law in such a way that even the U.S. Treasury is unable to fault their tax planning, and as a result that company does not have to pay income taxes, this policy would mean that that company must pay taxes ANYWAY. Basically, this is a tax on good planning.They’re targeting this one at Amazon and some others that have been astoundingly good at using the tax law to their benefit. But hey, remember: This means that all of those Amazon packages WILL be more expensive in the future… no doubt about it. More expenses for the providers means more cost to the consumers.But surely… SURELY… the remainder of these new policies won’t so directly target – and thus discourage – productive members of society… right?Wrong-o. Whether it’s policy #5 that increases marginal income tax rates for higher earners, or policy #6 that raising the payroll tax on high earners or raising capital gains taxes on… you guessed it… high earners…Well, it almost sounds like the particular Presidential candidate who is pushing for all of these changes really doesn’t like high earners or successful companies very much, does he?And don’t forget… if building a FINANCIAL LEGACY is important to you, then the STEPPED UP basis changes – that’s policy #8 – will matter to you. This is a way of making sure that a horrible tax burden is transferred to your beneficiaries when they receive your assets in the future. Right now, that does not happen… but it would under this proposed tax policy.All that isn’t even to mention the slashing of tax deductions for both personal incomes – that’s policy # 9 – or phasing out small business deductions if you happen to be a successful small business owner, which is policy #10.If you hear a common theme here, it’s because there is one. The candidate who wants these policies to be law – none other than the basement baron himself, Joe Biden – wants, quite fervently, to punish your success.In other words, if it’s your objective to minimize your taxes, creepy Joe wants to MAXIMIZE them.If it’s your objective to build a small business, creepy Joe wants to make sure your tax bill stands in the WAY of your doing so.If you want to build a basis of financial assets for the benefit of future generations, creepy Joe wants to make sure that when those future generations receive your assets, that they’re forced to sell off those assets to pay their tax bill.My friends, a vote for Joe Biden is a vote against yourself. It’s that simple. Don’t vote against yourself.My friends… invest wisely today and live well forever. Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

Presidential Politics & Your Investments | SDITalk.com #326

Warren Buffett

CoronaVirus has created more abject terror than anything I’ve ever seen. If we’re to believe Warren Buffett, then wise investors are to be “greedy when others are fearful”. So how, exactly, can you be wisely greedy right now? I’m Bryan Ellis. I’ll tell you RIGHT NOW in Episode #325 of Self-Directed Investor Talk.---The world changed radically a few weeks ago. Free countries went on total lockdown. The hottest commodites in the world became hand sanitizer, toilet paper and medical masks. And the stock market went on a volatility spree never seen before or since.And yet, the whole time, savvy investors kept hearing the famous words of Warren Buffet echoing in their minds: "Be fearful when everyone else is greedy, and greedy when everyone else is fearful."The question, my friends, is how to be very wisely greedy during a time when the prevailing emotion all around us is, without any doubt, not mere fear... but abject terror.The one clear answer - well supported by history and the leadership of current experts - is to invest in well-vetted, well-operated RV Parks.Now, in case you're not a user or owner of RV's yourself, I understand. I'm not either. Just in case you don’t know, RV stands for “Recreational Vehicle”… the big rolling hotel rooms like Winebagos.But whether that’s “your thing” doesn't matter. Kind of like you don’t need to live in an apartment in order to justify investing in a great apartment complex.So I’m going to make a very quick, but rather overwhelming, case to you right now that RIGHT NOW, in the height of this epidemic of terror and infection, that RIGHT NOW is the right time to jump into RV parks.And as always, I don't expect you to take my word for it. In fact, I insist that you don't take my word for it... that's because history makes this case for me in such a compelling, unquestionable way.Before CoronaVirus, the pinnacle example of economic downturn during most of our lifetimes was the Great Recession of 2007 &amp; 2008... if any economic event was going to doom an industry where "recreation" is the literally first word in the name, the Great Recession would have been that phenomemon. But what actually happened?Well... not much. As the economy of the United States slowed and weakened with each passing week, the data shows us that average length of stays at RV parks got LONGER. Not shorter… LONGER.And I take this from a deeply authoritative source. It’s a report called “Effects of COVID-19 on the Campground Industry”. It’s written by American Property Analysts – the absolute leading valuation experts in America for the RV Park and campground industry. This report was written last week, at the request of and for the benefit of the banking industry. As the economic carnage began to mount from the CoronaVirus scare, banks who finance RV parks wanted to know where their exposure stood in connection with COVID-19, and of course, they hired the most knowledgeable experts in that field at American Property Analysts, Inc.And according to that report, when looking at the Great Recession, it’s all summed up in this quote: "What campers did not do was discontinue using their RV's." That report goes on to say that "In most locales, demand exceeded available supply" and that "attendance held fairly steady".Now remember... the setting here is the aftermath of the Great Recession, when our country suffered the worst economic contraction since the Great Depression. It was a time when, according to the respected California-based newspaper called the Orange County Register, nearly 9 MILLION jobs were lost... 4 million homes were foreclosed EACH YEAR... and 2.5 million businesses were shuttered.It was the worst of times for the American economy.But what happened in the RV park industry? Well, I remind you: "attendance held fairly steady" and "in most locales, demand exceeded available supply."But it's better than that still: To further quote the American Property Analysts report, "Waiting lists for seasonal sites popped up nearly everywhere, and many of those lists remain in place today at the more desirable properties. Some folks even paid non-refundable fees just to be on certain lists, and some of those campers are just now nearing the front of their lines."If you understood me to say that the backlog of demand created during the LAST recession still exists to this day, you understand me correctly. I can't imagine how much demand and backlog the economic fallout of the CoronaVirus pandemic will create for the RV park industry... but history suggests it will be HUGE.Am I suggesting to you that every RV park in America did a booming business during the Great Recession? No. Not at all. There will always be the superstars and the laggards, and doubtlessly that's true here as well.But what I am telling you... scratch that... what the historical data cited by the American Property Analysts report is telling you is that, overall, RV parks as an industry hardly - if at all - noticed that a recession happened at all.And my friends, history is repeating itself right now. And if you think about it, it makes complete sense for at least 3 strong reasons:Reason #1: One of the immediate results of the national shutdown from CoronaVirus was the closing of National Parks. Now that's an awful thing because I, for one, realy love and frequently visit the parks in my area. But as owners of RV Parks, we aren't sad to see it. Why? National parks are one of our biggest sources of competition. Right now, that competition is completely GONE... Kaput... poof. It'll return someday, but for now, it's GONE.Reason #2: The totally justified concern over the risk of infections connected with hotels, cruise ships and other recreational destinations likely will drive growth in the RV industry, as one's RV is a completely private space, not subject to the risk of exposure from third parties.and Reason #3:  I'm happy to report to you that our EXPERIENCE is matching the THEORY I've shared with you, because presently, we've seen exactly ZERO cancellations at any of the RV parks that we already own... and there has DEFINITELY been an uptick in interest since CoronaVirus was declared a pandemic and the nation was put on lockdown.My friends, I return again to Buffett's famous advice: Be fearful when others are greedy, and greedy when others are fearful. Now here’s what you might not know about RV parks: Even average ones can be incredibly profitable. Imagine if you had all of the benefits of owning a great apartment complex, but your cash flow was more like a mobile home park. Well, it’s like that, only better. Well-vetted, well-operated RV parks don't merely compare favorably to other real estate asset classes, RV Parks dramatically outshine them and the data makes that overwhelmingly clear.So where does that leave you? If you're savvy enough to take seriously the advice of Warren Buffet, the man widely considered to be the greatest investor of our lifetimes, then the only reasonable conclusion you can draw is this: These are times of great fear... and that's your signal to be wisely greedy. And there's no better asset class - as proven by history - for that wise greed he recommends than RV Parks.The time is now.Thank you for listening in today. Every now and again, we encounter exceptional RV park investment opportunities. Best for well-qualified investors, these opportunities always fill rather quickly as only a small number of openings for outside investor partners are made available. If you'd like to be considered for participation in the next such project, please send an email now to feedback@sditalk.com, that’s feedback@sditalk.com., `to set an appointment to speak with me or a member of the team. Happy investing! Hosted on Acast. See acast.com/privacy for more information.

CoronaVirus has created more abject terror than anything I’ve ever seen. If we’re to believe Warren Buffett, then wise investors are to be “greedy when others are fearful”. So how, exactly, can you be wisely greedy right now? I’m Bryan Ellis. I’ll tell you RIGHT NOW in <a href="https://SDITalk.com/325" rel="noopener noreferrer nofollow" target="_blank">Episode #325</a> of <a href="https://SDITalk.com" rel="noopener noreferrer nofollow" target="_blank">Self-Directed Investor Talk</a>.---The world changed radically a few weeks ago. Free countries went on total lockdown. The hottest commodites in the world became hand sanitizer, toilet paper and medical masks. And the stock market went on a volatility spree never seen before or since.And yet, the whole time, savvy investors kept hearing the famous words of Warren Buffet echoing in their minds: "Be fearful when everyone else is greedy, and greedy when everyone else is fearful."The question, my friends, is how to be very wisely greedy during a time when the prevailing emotion all around us is, without any doubt, not mere fear... but abject terror.The one clear answer - well supported by history and the leadership of current experts - is to invest in well-vetted, well-operated RV Parks.Now, in case you're not a user or owner of RV's yourself, I understand. I'm not either. Just in case you don’t know, RV stands for “Recreational Vehicle”… the big rolling hotel rooms like Winebagos.But whether that’s “your thing” doesn't matter. Kind of like you don’t need to live in an apartment in order to justify investing in a great apartment complex.So I’m going to make a very quick, but rather overwhelming, case to you right now that RIGHT NOW, in the height of this epidemic of terror and infection, that RIGHT NOW is the right time to jump into RV parks.And as always, I don't expect you to take my word for it. In fact, I insist that you don't take my word for it... that's because history makes this case for me in such a compelling, unquestionable way.Before CoronaVirus, the pinnacle example of economic downturn during most of our lifetimes was the Great Recession of 2007 &amp; 2008... if any economic event was going to doom an industry where "recreation" is the literally first word in the name, the Great Recession would have been that phenomemon. But what actually happened?Well... not much. As the economy of the United States slowed and weakened with each passing week, the data shows us that average length of stays at RV parks got LONGER. Not shorter… LONGER.And I take this from a deeply authoritative source. It’s a report called “Effects of COVID-19 on the Campground Industry”. It’s written by American Property Analysts – the absolute leading valuation experts in America for the RV Park and campground industry. This report was written last week, at the request of and for the benefit of the banking industry. As the economic carnage began to mount from the CoronaVirus scare, banks who finance RV parks wanted to know where their exposure stood in connection with COVID-19, and of course, they hired the most knowledgeable experts in that field at American Property Analysts, Inc.And according to that report, when looking at the Great Recession, it’s all summed up in this quote: "What campers did not do was discontinue using their RV's." That report goes on to say that "In most locales, demand exceeded available supply" and that "attendance held fairly steady".Now remember... the setting here is the aftermath of the Great Recession, when our country suffered the worst economic contraction since the Great Depression. It was a time when, according to the respected California-based newspaper called the <a href="https://www.ocregister.com/2018/09/17/4-charts-show-how-bad-the-great-recession-was-10-years-ago/" rel="noopener noreferrer nofollow" target="_blank">Orange County Register</a>, nearly 9 MILLION jobs were lost... 4 million homes were foreclosed EACH YEAR... and 2.5 million businesses were shuttered.It was the worst of times for the American economy.But what happened in the RV park industry? Well, I remind you: "attendance held fairly steady" and "in most locales, demand exceeded available supply."But it's better than that still: To further quote the American Property Analysts report, "Waiting lists for seasonal sites popped up nearly everywhere, and many of those lists remain in place today at the more desirable properties. Some folks even paid non-refundable fees just to be on certain lists, and some of those campers are just now nearing the front of their lines."If you understood me to say that the backlog of demand created during the LAST recession still exists to this day, you understand me correctly. I can't imagine how much demand and backlog the economic fallout of the CoronaVirus pandemic will create for the RV park industry... but history suggests it will be HUGE.Am I suggesting to you that every RV park in America did a booming business during the Great Recession? No. Not at all. There will always be the superstars and the laggards, and doubtlessly that's true here as well.But what I am telling you... scratch that... what the historical data cited by the American Property Analysts report is telling you is that, overall, RV parks as an industry hardly - if at all - noticed that a recession happened at all.And my friends, history is repeating itself right now. And if you think about it, it makes complete sense for at least 3 strong reasons:Reason #1: One of the immediate results of the national shutdown from CoronaVirus was the closing of National Parks. Now that's an awful thing because I, for one, realy love and frequently visit the parks in my area. But as owners of RV Parks, we aren't sad to see it. Why? National parks are one of our biggest sources of competition. Right now, that competition is completely GONE... Kaput... poof. It'll return someday, but for now, it's GONE.Reason #2: The totally justified concern over the risk of infections connected with hotels, cruise ships and other recreational destinations likely will drive growth in the RV industry, as one's RV is a completely private space, not subject to the risk of exposure from third parties.and Reason #3:  I'm happy to report to you that our EXPERIENCE is matching the THEORY I've shared with you, because presently, we've seen exactly ZERO cancellations at any of the RV parks that we already own... and there has DEFINITELY been an uptick in interest since CoronaVirus was declared a pandemic and the nation was put on lockdown.My friends, I return again to Buffett's famous advice: Be fearful when others are greedy, and greedy when others are fearful. Now here’s what you might not know about RV parks: Even average ones can be incredibly profitable. Imagine if you had all of the benefits of owning a great apartment complex, but your cash flow was more like a mobile home park. Well, it’s like that, only better. Well-vetted, well-operated RV parks don't merely compare favorably to other real estate asset classes, RV Parks dramatically outshine them and the data makes that overwhelmingly clear.So where does that leave you? If you're savvy enough to take seriously the advice of Warren Buffet, the man widely considered to be the greatest investor of our lifetimes, then the only reasonable conclusion you can draw is this: These are times of great fear... and that's your signal to be wisely greedy. And there's no better asset class - as proven by history - for that wise greed he recommends than RV Parks.The time is now.Thank you for listening in today. Every now and again, we encounter exceptional RV park investment opportunities. Best for well-qualified investors, these opportunities always fill rather quickly as only a small number of openings for outside investor partners are made available. If you'd like to be considered for participation in the next such project, please send an email now to feedback@sditalk.com, that’s feedback@sditalk.com., `to set an appointment to speak with me or a member of the team. Happy investing! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

CoronaVirus, Warren Buffett & Greed Amidst Fear

There’s an asset class that affluent investors REALLY love… extraordinary cash flow is the norm and the tax benefits are the best around. But there’s a HUGE LANDMINE just waiting for affluent investors who try this in their self-directed retirement account. I’m Bryan Ellis. Today, you affluent investors learn how to sidestep certain disaster in Episode #324 of Self-Directed Investor Talk.-------Hello, Self-Directed Investors, all across the fruited plane. Welcome to the show of record for savvy self-directed investors like you, where in each episode, I help you to find, understand and profit from exceptional alternative investment opportunities.For you folks with a bit higher net worth, you need to pay close attention today.So for those of you who may not yet quite be in the high net worth world, something you should know about your wealthier brethren is that one of the most popular asset classes among them is one I’ve mentioned here before, but only very briefly… and that is oil well drilling.It makes perfect sense because the cash flow beats the heck out of basically everything else, and the tax benefits makes real estate and other supposedly tax efficient investments look like child’s play. Yes, the risk is theoretically higher, and that’s why this is the domain primarily of accredited investors.But to set up this dilemma, and the brilliant solution for it, let’s consider a scenario, with real numbers.  So here’s the deal.This investor… we’ll call her Tara… has decided to invest in an oil drilling deal. It looks like a pretty good one, I’m actually quite familiar with it… she’s got to invest $150,000 to buy into the deal, and based on the preliminary geological research, the expectation is that she’s going to bring in something on the order of $12 to $13,000 per month or so, based on current oil prices.Now if you’re doing the math, you know that $12,000 per month equals $144,000 per year, which is shockingly close to being a 100% cash-on-cash return. Well, that’s one of the reason high net worth investors love this stuff… the cash-on-cash numbers are just breathtaking, enough so that the additional risk is quite regularly totally worth taking.So that’s great, right? Tara makes this investment, and assuming it works like expected, then she yields a MASSIVE cash-on-cash return for 5-7 years until the oil well runs out… and then she’ll likely do it again, if she’s like most high net worth investors I’ve worked with.And to make it better, she’s doing this in her Roth IRA… so all of that juicy ROI is totally tax free! Right? Right? Isn’t it tax-free?Well… no.Here, my friends, we consider an important distinction between the two types of income: Earned and Unearned. Earned income is just what it sounds like… money you earn from a W2 job or a 1099 contracting position or something like that. You work, you get paid. That’s earned income.Unearned income, on the other hand, is profit from investments… it’s a more passive type of thing So if you buy stocks and they rise in value or pay dividends, that’s unearned income. If you buy real estate and it appreciates and/or generates cash flow for you, that’s unearned income.  If you make a loan and are repaid for that loan, that’s unearned income.So here’s the thing: it’s widely believed that IRA’s and 401(k)’s – particularly the Roth variety – are just not taxable. Unfortunately, that’s not true. It’s almost ENTIRELY true that any UNEARNED income – the kind from stocks and real estate and loans, for example – pretty much all of that will be tax-favored inside of a retirement account and that’s great!But this is where we return to Tara’s oil &amp; gas deal. Yes, she’s going to make a lot of income from that deal. But there’s a catch. Federal tax law makes it abundantly clear that under most circumstances, the income generated from drilling an oil well and selling that oil is NOT UNEARNED income, but is EARNED income.That means two things: First, that the money is taxable. And second, that the tax rate that’s relevant in that case is NOT personal income tax rates, but is the income tax rates for TRUSTS, since both IRA’s and 401k’s are, under the law, types of trusts.And that, my friends, is BAD news. You see, income tax rates for trusts are, for all intents and purposes, 37%. That’s astronomical. If Tara brings in $12,000 per month on average as expected, that equates to $144,000 per year. 37% of that is over $53,000… so her IRA would have to stroke a check for over $53,000 to pay income taxes. That would leave her with a net of nearly $91,000 per year which is still just off-the-chain exceptional… but still… that’s a BIG tax bite.What to do, what to do? Most of the time, investors do oil &amp; gas deals OUTSIDE of a retirement account because the VERY BEST tax benefits in oil &amp; gas don’t really apply to IRA’s and 401k’s. But in Tara’s case, that’s where she happens to have the available capital, and quite justifiably, she doesn’t want to miss this opportunity.So here’s what I recommended to her: Since we can’t eliminate those taxes, why don’t we just slash them dramatically? You may remember that one of the thing that President Trump’s signature tax bill did was to slash corporate tax rates to 21% as the maximum. So I suggested that Tara form a c-corporation inside her IRA, and capitalize it with $150,000 from the IRA. She could then buy the oil &amp; gas interest with that money, inside the corporation. That money – we’ll just say $144,000 per year – will still be taxed, but not at 37%. It’ll only be taxed at 21%. Bottom line… she’ll pay about $23,000 PER YEAR less in tax this way!Over the course of 5 years, that’s a very real saving of over $100,000… just by using the subtle brilliance you learned right here on Self-Directed Investor Talk!Now before I sign off for the day, I’ll go ahead and answer the question I know is coming: Maybe. The answer is maybe. The question, of course, is something like: “Bryan, I just heard you talk about the crazy results people are getting from oil and gas deals… can you hook me up with some of those opportunities?” Well, the answer is MAYBE.There are some qualification requirements. So the best path to take is this: If you’re interested in learning more, just text me now at 678-888-4000 and I’ll be happy to have a team member talk this through with you. Again, just send a text to me at 678-888-4000 and we’ll chat about it right away.My friends… invest wisely today and live well forever! Hosted on Acast. See acast.com/privacy for more information.

There’s an asset class that affluent investors REALLY love… extraordinary cash flow is the norm and the tax benefits are the best around. But there’s a HUGE LANDMINE just waiting for affluent investors who try this in their self-directed retirement account. I’m <a href="https://SelfDirected.org/bryan-ellis" rel="nofollow" target="_blank">Bryan Ellis</a>. Today, you affluent investors learn how to sidestep certain disaster in <a href="https://SDITalk.com/324" rel="nofollow" target="_blank">Episode #324</a> of <a href="https://SDITalk.com" rel="nofollow" target="_blank">Self-Directed Investor Talk</a>.-------Hello, Self-Directed Investors, all across the fruited plane. Welcome to the show of record for savvy self-directed investors like you, where in each episode, I help you to find, understand and profit from exceptional alternative investment opportunities.For you folks with a bit higher net worth, you need to pay close attention today.So for those of you who may not yet quite be in the high net worth world, something you should know about your wealthier brethren is that one of the most popular asset classes among them is one I’ve mentioned here before, but only very briefly… and that is oil well drilling.It makes perfect sense because the cash flow beats the heck out of basically everything else, and the tax benefits makes real estate and other supposedly tax efficient investments look like child’s play. Yes, the risk is theoretically higher, and that’s why this is the domain primarily of accredited investors.But to set up this dilemma, and the brilliant solution for it, let’s consider a scenario, with real numbers.  So here’s the deal.This investor… we’ll call her Tara… has decided to invest in an oil drilling deal. It looks like a pretty good one, I’m actually quite familiar with it… she’s got to invest $150,000 to buy into the deal, and based on the preliminary geological research, the expectation is that she’s going to bring in something on the order of $12 to $13,000 per month or so, based on current oil prices.Now if you’re doing the math, you know that $12,000 per month equals $144,000 per year, which is shockingly close to being a 100% cash-on-cash return. Well, that’s one of the reason high net worth investors love this stuff… the cash-on-cash numbers are just breathtaking, enough so that the additional risk is quite regularly totally worth taking.So that’s great, right? Tara makes this investment, and assuming it works like expected, then she yields a MASSIVE cash-on-cash return for 5-7 years until the oil well runs out… and then she’ll likely do it again, if she’s like most high net worth investors I’ve worked with.And to make it better, she’s doing this in her Roth IRA… so all of that juicy ROI is totally tax free! Right? Right? Isn’t it tax-free?Well… no.Here, my friends, we consider an important distinction between the two types of income: Earned and Unearned. Earned income is just what it sounds like… money you earn from a W2 job or a 1099 contracting position or something like that. You work, you get paid. That’s earned income.Unearned income, on the other hand, is profit from investments… it’s a more passive type of thing So if you buy stocks and they rise in value or pay dividends, that’s unearned income. If you buy real estate and it appreciates and/or generates cash flow for you, that’s unearned income.  If you make a loan and are repaid for that loan, that’s unearned income.So here’s the thing: it’s widely believed that IRA’s and 401(k)’s – particularly the Roth variety – are just not taxable. Unfortunately, that’s not true. It’s almost ENTIRELY true that any UNEARNED income – the kind from stocks and real estate and loans, for example – pretty much all of that will be tax-favored inside of a retirement account and that’s great!But this is where we return to Tara’s oil &amp; gas deal. Yes, she’s going to make a lot of income from that deal. But there’s a catch. Federal tax law makes it abundantly clear that under most circumstances, the income generated from drilling an oil well and selling that oil is NOT UNEARNED income, but is EARNED income.That means two things: First, that the money is taxable. And second, that the tax rate that’s relevant in that case is NOT personal income tax rates, but is the income tax rates for TRUSTS, since both IRA’s and 401k’s are, under the law, types of trusts.And that, my friends, is BAD news. You see, income tax rates for trusts are, for all intents and purposes, 37%. That’s astronomical. If Tara brings in $12,000 per month on average as expected, that equates to $144,000 per year. 37% of that is over $53,000… so her IRA would have to stroke a check for over $53,000 to pay income taxes. That would leave her with a net of nearly $91,000 per year which is still just off-the-chain exceptional… but still… that’s a BIG tax bite.What to do, what to do? Most of the time, investors do oil &amp; gas deals OUTSIDE of a retirement account because the VERY BEST tax benefits in oil &amp; gas don’t really apply to IRA’s and 401k’s. But in Tara’s case, that’s where she happens to have the available capital, and quite justifiably, she doesn’t want to miss this opportunity.So here’s what I recommended to her: Since we can’t eliminate those taxes, why don’t we just slash them dramatically? You may remember that one of the thing that President Trump’s signature tax bill did was to slash corporate tax rates to 21% as the maximum. So I suggested that Tara form a c-corporation inside her IRA, and capitalize it with $150,000 from the IRA. She could then buy the oil &amp; gas interest with that money, inside the corporation. That money – we’ll just say $144,000 per year – will still be taxed, but not at 37%. It’ll only be taxed at 21%. Bottom line… she’ll pay about $23,000 PER YEAR less in tax this way!Over the course of 5 years, that’s a very real saving of over $100,000… just by using the subtle brilliance you learned right here on Self-Directed Investor Talk!Now before I sign off for the day, I’ll go ahead and answer the question I know is coming: Maybe. The answer is maybe. The question, of course, is something like: “Bryan, I just heard you talk about the crazy results people are getting from oil and gas deals… can you hook me up with some of those opportunities?” Well, the answer is MAYBE.There are some qualification requirements. So the best path to take is this: If you’re interested in learning more, just text me now at 678-888-4000 and I’ll be happy to have a team member talk this through with you. Again, just send a text to me at 678-888-4000 and we’ll chat about it right away.My friends… invest wisely today and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

an IRA/401(k) LANDMINE for Affluent Investors

Coronavirus, real estate investors and the stock market… or, how real estate investors are making absolute jackasses of themselves during a very bad time. I’m Bryan Ellis. This is Episode #323 of Self-Directed Investor Talk.-----------Hello, self-directed investors, all across the fruited plane. Welcome to the show of record for savvy self-directed investors like you where in each episode, I help you to find, understand and profit from exceptional alternative investment opportunities.Today, my friends, I share with you my expectations about the REALITY of the coronavirus and how I see it affecting our economy and more importantly my and your investments. But first, a quick word about a clear way to identify some people who, at their very core, are clearly complete jackasses.Now, note that this isn’t a test for ALL jackasses, just some of them. But here we go:You probably know that, due to Coronoavirus fears, the stock market has taken a MASSIVE dive in the last two weeks. The Dow Jones Industrial Average has fallen by over 15%... it’s been just absolutely brutal. I’ll tell you when that ends in just a minute, but that’s a different story.So back to identifying jackasses:  If you see a real estate investor post something on Faceobok or elsewhere that basically says: “Hey, all you stock market investors, you’re really taking it on the chin now, aren’t you? I’ll bet you wish you had gotten into real estate instead of stocks now!”When you see something like that, what you’re seeing is a jackass. Someone who is childish, pathetic and heartless. Such a person, regardless of whether they’re successful in real estate, deserves to be ostracized and ridiculed for their short-sighted and juvenile attitude.So to all the jackass people out there, remember: You’ll get yours. I don’t wish it on anybody, but nobody bats 1.000. Where financial market losses are concerned, your attitude should always be: There but for the grace of God go I.”Now, as for the Coronavirus, the stock market and the economy?Totally overblown. I see stocks beginning to recover today, frankly. Is it a serious thing? Yes… but almost entirely for psychological reasons… because the media has scared people so badly that there’s a lot of irrationality out there.Remember this: We all keep hearing that 2% of the people who get this disease die from it, compared to the flu, which kills only 0.1% of the people who get it.That would be disturbing, for sure. BUT there are 3 facts you should know.Fact #1: The actual mortality rate in China, according to a report from China published in the New England Journal of medicine 3 days ago, is much lower, at only 1.4%. That’s a significant difference.Fact #2: The mortality rate is almost certainly much lower than that because most of the cases of it are so mild that they are never caught or reported. That’s not my opinion… but the opinion of Dr. Anthony Fauci, director of the U.S. National Institute of Allergy and Infectious Diseases… the one guy who everybody agrees is THE authority on these matters here in the U.S.And finally, Fact #3: Whatever the mortality rate, that’s the mortality rate in CHINA… not in America. CHINA! That’s a country that literally is happy to execute their citizens as a matter of convenience… an evil regime that exists to protect the Xi Xinping and the Communist Party as it’s highest priority… a place where the health of the citizenry is the last thing they care about.So how you SHOULD think about this is as follow: Even in China, the death rate of coronavirus is, at worst, 1.4%. We don’t really know how many people are killed by the flu in China. I’ll bet it’s quite comparable.Does that mean Coronavirus isn’t serious? Nope. Be careful, of course. But what it does mean is that while it is highly contagious, it’s more likely to be a pain in the rear rather than an issue of fatality.As for the effect of Coronavirus on stocks?I think we saw the bottom on Friday. I wouldn’t bet the farm on it… but I’d be willing to bet a barn door or two.By the way… if you’re looking for an astoundingly powerful tax break that happens to be coupled with an investment offering a potentially exceptionally high yield… well, drop a note to me at bryan@sditalk.com and I’ll fill you in. This is crazy good stuff, folks.Well my friends, that’s all for now… invest wisely today, and live well forever! Hosted on Acast. See acast.com/privacy for more information.

Coronavirus, real estate investors and the stock market… or, how real estate investors are making absolute jackasses of themselves during a very bad time. I’m Bryan Ellis. This is Episode #323 of Self-Directed Investor Talk.-----------Hello, self-directed investors, all across the fruited plane. Welcome to the show of record for savvy self-directed investors like you where in each episode, I help you to find, understand and profit from exceptional alternative investment opportunities.Today, my friends, I share with you my expectations about the REALITY of the coronavirus and how I see it affecting our economy and more importantly my and your investments. But first, a quick word about a clear way to identify some people who, at their very core, are clearly complete jackasses.Now, note that this isn’t a test for ALL jackasses, just some of them. But here we go:You probably know that, due to Coronoavirus fears, the stock market has taken a MASSIVE dive in the last two weeks. The Dow Jones Industrial Average has fallen by over 15%... it’s been just absolutely brutal. I’ll tell you when that ends in just a minute, but that’s a different story.So back to identifying jackasses:  If you see a real estate investor post something on Faceobok or elsewhere that basically says: “Hey, all you stock market investors, you’re really taking it on the chin now, aren’t you? I’ll bet you wish you had gotten into real estate instead of stocks now!”When you see something like that, what you’re seeing is a jackass. Someone who is childish, pathetic and heartless. Such a person, regardless of whether they’re successful in real estate, deserves to be ostracized and ridiculed for their short-sighted and juvenile attitude.So to all the jackass people out there, remember: You’ll get yours. I don’t wish it on anybody, but nobody bats 1.000. Where financial market losses are concerned, your attitude should always be: There but for the grace of God go I.”Now, as for the Coronavirus, the stock market and the economy?Totally overblown. I see stocks beginning to recover today, frankly. Is it a serious thing? Yes… but almost entirely for psychological reasons… because the media has scared people so badly that there’s a lot of irrationality out there.Remember this: We all keep hearing that 2% of the people who get this disease die from it, compared to the flu, which kills only 0.1% of the people who get it.That would be disturbing, for sure. BUT there are 3 facts you should know.Fact #1: The actual mortality rate in China, according to a report from China published in the New England Journal of medicine 3 days ago, is much lower, at only 1.4%. That’s a significant difference.Fact #2: The mortality rate is almost certainly much lower than that because most of the cases of it are so mild that they are never caught or reported. That’s not my opinion… but the opinion of Dr. Anthony Fauci, director of the U.S. National Institute of Allergy and Infectious Diseases… the one guy who everybody agrees is THE authority on these matters here in the U.S.And finally, Fact #3: Whatever the mortality rate, that’s the mortality rate in CHINA… not in America. CHINA! That’s a country that literally is happy to execute their citizens as a matter of convenience… an evil regime that exists to protect the Xi Xinping and the Communist Party as it’s highest priority… a place where the health of the citizenry is the last thing they care about.So how you SHOULD think about this is as follow: Even in China, the death rate of coronavirus is, at worst, 1.4%. We don’t really know how many people are killed by the flu in China. I’ll bet it’s quite comparable.Does that mean Coronavirus isn’t serious? Nope. Be careful, of course. But what it does mean is that while it is highly contagious, it’s more likely to be a pain in the rear rather than an issue of fatality.As for the effect of Coronavirus on stocks?I think we saw the bottom on Friday. I wouldn’t bet the farm on it… but I’d be willing to bet a barn door or two.By the way… if you’re looking for an astoundingly powerful tax break that happens to be coupled with an investment offering a potentially exceptionally high yield… well, drop a note to me at <a href="mailto:bryan@sditalk.com">bryan@sditalk.com</a> and I’ll fill you in. This is crazy good stuff, folks.Well my friends, that’s all for now… invest wisely today, and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

Coronavirus, Stocks and JACKASS Real Estate Investors  |  SDITalk #323

If for every dollar you put into improving one of your real estate assets, you could get that dollar back within 12 months… and then enjoy decades of free and clear cash flow… wouldn’t you do that?  Right now, I’ll show you not 1, but 2 ways to do that in my current favorite asset class.  I’m Bryan Ellis.  This is episode #322 of Self-Directed Investor Talk.----Hello, Self-Directed Investors, all across the fruited plane.  Welcome to Episode #322 of Self-Directed Investor Talk, the SHOW OF RECORD for savvy self-directed investors like you.  Guess what’s going to happen today?  Today, I’m going to help you find, understand and PROFIT from exceptional alternative investment opportunities!In yesterday’s exciting episode, I introduced you to the asset class that I think is stealing the crown from multi-family housing as the GO-TO real estate asset class.  If you missed that episode… you missed a great one!  Drop me a text message to 833-212-2112 and ask for the RV Parks episode I’ll send you a copy so you can get caught up…...and you’ll certainly want to do that because today, I’m going to tell you two ways that, using that asset class - which is, of course, the high-cash-flowing world of RV parks - I’ll tell you not one but TWO ways that my partners and I - and maybe you, too, possibly - are planning to spend a bit of money on some of our RV park properties and generate a MASSIVE and rather immediate return of our capital… to be followed immediately by many years - possibly even DECADES - of free and clear cash flow.But understand this:  I’m not just bragging on our deals - though I’ve got to admit, maybe there’s a LITTLE BIT of that hehehe - but more importantly, I’m trying to show you what’s POSSIBLE… because deals like this are in much greater supply than financially similar deals in other asset classes like self-storage facilities and mobile home parks.And I’m also telling you because, who knows, maybe you can actually participate in these deals with us.  More on that in a bit.So what are these two crazy-powerful value adds we’re going to perform?So you may recall from yesterday, we’re acquiring 2 separate RV parks.  Specifically on the one in Wisconsin… we’re going to be able to add, at a cost of about $50,000 per cabin, about one dozen nice little cabins which will be available for rental in our parks.Now here’s the really CRAZY thing… based on the rates our clients are ALREADY PAYING for space in that park, it’s actually quite plausible to think that we’ll collect more than $50,000 of income per unit after just two, or maybe 3, seasons.  RV parks, you see, are seasonal, generally with 2 4-month high seasons per year.  And after only 2 or 3 of those season, those cabins will basically be totally free and clear cash flow, with only minimal incremental expense for maintenance!That, my friends, is ASTOUNDINGLY WONDERFUL… super-high-ROI stuff.  I’m so excited about this deal!And that’s not allFor the property in Michigan, we’re going to add a particular water feature there which is an absolute super-powered electromagnet for attracting families with children.  This is just an amenity we’re adding to the water amenities already onsite.  It won’t be cheap to do this… with the cost coming in around $150,000 or so, but get this:The evidence is absolutely overwhelming that this type of amenity brings more families with children to an RV park… and these are families who wouldn’t have otherwise come.  In other words… new customers!And what’s astounding is that there’s data - anecdotal, admittedly, but still relevant - that suggests that the presence of this type of water feature can, all by itself, increase the net income of certain well-run parks by 20-30% after 3 years.  With rates like that, it takes no time at all to recoup the $150,000 and investment and then be SOLIDLY in the money.And what’s EVEN BETTER is that I haven’t even begun to scratch the surface of what’s possible with RV parks.  If you find multi-family real estate attractive because of the potential to add value and create new income streams, then you’ll find RV parks to be like an absolute candyland of potential, much of which can be realized near term and at shockingly low costs.I couldn’t possibly be more excited about the future with these assets.  We’ve already begun the hunt for even more of them.If you’d like to learn more about investing in RV parks… and maybe even participate in some of the deals that my partners and I are doing, drop a text to me at 833-212-2112 and let me know.  We haven’t yet decided if we’re going to take on outside investors, and if we do, we’ll open up an application process, the first step of which is to be on my investor alerts list… and the way you make that happen is to text me at 833-212-2112 and let me know you’d like to be included.Oh… and  failed to mention… you can actually use your IRA or 401(k) to do this type of investing!  Want to know how?  Well how about I give you those details in the very next episode of Self-Directed Investor Talk?!My friends… invest wisely today and live well forever! Hosted on Acast. See acast.com/privacy for more information.

If for every dollar you put into improving one of your real estate assets, you could get that dollar back within 12 months… and then enjoy decades of free and clear cash flow… wouldn’t you do that?  Right now, I’ll show you not 1, but 2 ways to do that in my current favorite asset class. I’m Bryan Ellis. This is episode #322 of Self-Directed Investor Talk.----Hello, Self-Directed Investors, all across the fruited plane.  Welcome to Episode #322 of Self-Directed Investor Talk, the SHOW OF RECORD for savvy self-directed investors like you.  Guess what’s going to happen today? Today, I’m going to help you find, understand and PROFIT from exceptional alternative investment opportunities!In yesterday’s exciting episode, I introduced you to the asset class that I think is stealing the crown from multi-family housing as the GO-TO real estate asset class.  If you missed that episode… you missed a great one! Drop me a text message to 833-212-2112 and ask for the RV Parks episode I’ll send you a copy so you can get caught up…...and you’ll certainly want to do that because today, I’m going to tell you two ways that, using that asset class - which is, of course, the high-cash-flowing world of RV parks - I’ll tell you not one but TWO ways that my partners and I - and maybe you, too, possibly - are planning to spend a bit of money on some of our RV park properties and generate a MASSIVE and rather immediate return of our capital… to be followed immediately by many years - possibly even DECADES - of free and clear cash flow.But understand this:  I’m not just bragging on our deals - though I’ve got to admit, maybe there’s a LITTLE BIT of that hehehe - but more importantly, I’m trying to show you what’s POSSIBLE… because deals like this are in much greater supply than financially similar deals in other asset classes like self-storage facilities and mobile home parks.And I’m also telling you because, who knows, maybe you can actually participate in these deals with us.  More on that in a bit.So what are these two crazy-powerful value adds we’re going to perform?So you may recall from yesterday, we’re acquiring 2 separate RV parks.  Specifically on the one in Wisconsin… we’re going to be able to add, at a cost of about $50,000 per cabin, about one dozen nice little cabins which will be available for rental in our parks.Now here’s the really CRAZY thing… based on the rates our clients are ALREADY PAYING for space in that park, it’s actually quite plausible to think that we’ll collect more than $50,000 of income per unit after just two, or maybe 3, seasons.  RV parks, you see, are seasonal, generally with 2 4-month high seasons per year. And after only 2 or 3 of those season, those cabins will basically be totally free and clear cash flow, with only minimal incremental expense for maintenance!That, my friends, is ASTOUNDINGLY WONDERFUL… super-high-ROI stuff.  I’m so excited about this deal!And that’s not allFor the property in Michigan, we’re going to add a particular water feature there which is an absolute super-powered electromagnet for attracting families with children.  This is just an amenity we’re adding to the water amenities already onsite. It won’t be cheap to do this… with the cost coming in around $150,000 or so, but get this:The evidence is absolutely overwhelming that this type of amenity brings more families with children to an RV park… and these are families who wouldn’t have otherwise come.  In other words… new customers!And what’s astounding is that there’s data - anecdotal, admittedly, but still relevant - that suggests that the presence of this type of water feature can, all by itself, increase the net income of certain well-run parks by 20-30% after 3 years.  With rates like that, it takes no time at all to recoup the $150,000 and investment and then be SOLIDLY in the money.And what’s EVEN BETTER is that I haven’t even begun to scratch the surface of what’s possible with RV parks.  If you find multi-family real estate attractive because of the potential to add value and create new income streams, then you’ll find RV parks to be like an absolute candyland of potential, much of which can be realized near term and at shockingly low costs.I couldn’t possibly be more excited about the future with these assets.  We’ve already begun the hunt for even more of them.If you’d like to learn more about investing in RV parks… and maybe even participate in some of the deals that my partners and I are doing, drop a text to me at 833-212-2112 and let me know.  We haven’t yet decided if we’re going to take on outside investors, and if we do, we’ll open up an application process, the first step of which is to be on my investor alerts list… and the way you make that happen is to text me at 833-212-2112 and let me know you’d like to be included.Oh… and  failed to mention… you can actually use your IRA or 401(k) to do this type of investing!  Want to know how? Well how about I give you those details in the very next episode of Self-Directed Investor Talk?!My friends… invest wisely today and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

The BEST Asset Class, Part #2

For the last few years, the asset class that’s been all the rage is multi-family housing.  But I’m here to tell you, my friends, there’s a new king of the hill.  You’ll find out what it is RIGHT NOW in I’m Bryan Ellis.  This is Episode #321 of Self-Directed Investor Talk.----Hello, Self-Directed Investors, all across the fruited plane.  Welcome to Episode #321 of Self-Directed Investor Talk, the SHOW OF RECORD for savvy self-directed investors like you.  Guess what’s going to happen today?  Well, I’m going to help you to find, understand and profit from exceptional alternative investing strategies and opportunities… so buckle up!So, the telephone rings, and I recognize this guy’s name.  He’s a friend, a fellow investor, and someone whose judgment I trust quite strongly.  He’s the kind of guy that when he says “I’ve got a deal”, if you’re smart, what you say in response is “where do I send the money”.So I picked up the phone, earnestly hoping that one of his life-changing opportunities awaited But that’s not what he said, this time.  Instead, what he says, is this:  I’ve got TWO deals… and instantly, I know this is going to be my lucky day.I’m going to tell you about those two deals and why you should keep your ears open for similar opportunities for yourself.  In fact, it may even sound to you, as I describe these deals to you, that I’m trying to sell YOU on investing in these deals with us.Nope.  We’re closing on both of them with our own money, because both of these are just too sweet to turn down.  But I can tell you, with some confidence, that you’re going to wish you were in on this when you hear about it.  Who knows, we may raise capital for these deals so we can get some of our money back out to find even more of them… but we may just keep them… they’re that good.  If you’re already on my investor waiting list, I’ll let you know if we decide to make this available.  And if you’re not already on my waiting list, and if you are liquid for atleast $100,000 - then you probably want to get on that list right away.  Just text me at 833-212-2112 and ask to get on the waiting list and I’ll take care of you.So what is this spectacular asset class?Oh now… surely you can venture a guess?  Think with me… the biggest demographic phenomemon of the last 60 years… the BABY BOOM generation… they’re retiring at the rate of about 10,000 people per day.  A whole lot of them have MONEY, and lots of it.  And all of their kids and grandchildren have spread out all over the country.  What are these people doing?  They’re buying RV’s - in MASSIVE volumes - and taking their home with them all over the country.So what opportunity does this create for me and you… and what is the ACTUAL opportunity that my friend reached out to me about?RV parks, baby!  Imagine the benefits of owning a hotel… where you get a very, very high rental price for a very, very small portion of real estate… but you do NOT have to think about things like laundry or furniture or linens or any of the things that makes a hotel so very expensive to establish, operate and own.Instead, what you’re renting out is, essentially, a piece of concrete.  A small piece of concrete, where your customers bring THEIR OWN bed and THEIR OWN furniture and THEIR OWN linens.  All you do is provide them with a hookup for electricity and water and, if you’re smart, some great amenities, and what do you have?  You have a situation where you’re collecting hotel-like nightly rental rates in exchange for a service that is FAR LESS EXPENSIVE and SO MUCH EASIER to provide than with a hotel.But there’s another HUGE benefit to RV parks… lots of them, actually.  And this one explains why, we are expecting, conservatively, an internal rate of return of 15-20%+.  That benefit is REPEAT BUSINESS!  You see, we know, as a sociological fact, that people who use RV parks are, by and large, very habitual in their behavior.  Once they find an RV park that they like, chances are they’ll come back every year or two over and over and over again…...and that means not only are the profits in this business VERY HIGH, but they can also be incredibly CONSISTENT.Both of the deals that we’re buying and closing on in the next two weeks are actually ALREADY very profitable… and the REALLY beautiful thing is this:  A little money spent wisely goes a REALLY LONG WAY with RV parks.  There are two examples I want to share with you, both of which will ABSOLUTELY blow your mind… you’ll see why we are SO UTTERLY THRILLED with this asset class.But before I share those two examples with you, think about this name:  Sam Zell.  Sam Zell is a LEGENDARY real estate investor,  Bloomberg pegs his net worth at $4.4 BILLION.  Zell started and currently owns a very large percentage of several publicly-traded REITs - kind of like a mutual fund for real estate investments - and each of those REITs are focused on different real estate segments like commercial real estate, multi-family and… surprise, surprise… RV parks and mobile home parks.  And guess which one is outperforming the others?  According to a recent story in BisNow.com, the answer is no surprise at all:  Zell’s RV parks are CRUSHING the results from commercial real estate, multifamily and every other real estate sector.As for those two examples of how an investor can easily spend a TINY amount of money in an RV park and get that money back entirely very, very, very quickly… you’re just going to be bowled over, my friends.Unfortunately, we’re short of time today, so I’ll tell you those two things tomorrow, so be sure that you have SUBSCRIBED to Self-Directed Investor Talk in Apple Podcasts or whatever podcast system you use.If you’d like for me to send you a notice when I release that episode so you are sure you don’t miss it, just drop a quick text to me at 833-212-2112 and let me know.I’ll look forward to pulling back the curtain for you a little more tomorrow, my friends… and I’ll even give you my advice on how YOU can get involved in this incredibly, incredibly attractive asset class yourself… maybe even using the money in your IRA or 401(k), so don’t miss it!My friends… invest wisely today and live well forever! Hosted on Acast. See acast.com/privacy for more information.

For the last few years, the asset class that’s been all the rage is multi-family housing.  But I’m here to tell you, my friends, there’s a new king of the hill. You’ll find out what it is RIGHT NOW in I’m Bryan Ellis.  This is Episode #321 of Self-Directed Investor Talk.----Hello, Self-Directed Investors, all across the fruited plane.  Welcome to Episode #321 of Self-Directed Investor Talk, the SHOW OF RECORD for savvy self-directed investors like you.  Guess what’s going to happen today? Well, I’m going to help you to find, understand and profit from exceptional alternative investing strategies and opportunities… so buckle up!So, the telephone rings, and I recognize this guy’s name.  He’s a friend, a fellow investor, and someone whose judgment I trust quite strongly.  He’s the kind of guy that when he says “I’ve got a deal”, if you’re smart, what you say in response is “where do I send the money”.So I picked up the phone, earnestly hoping that one of his life-changing opportunities awaited But that’s not what he said, this time.  Instead, what he says, is this: I’ve got TWO deals… and instantly, I know this is going to be my lucky day.I’m going to tell you about those two deals and why you should keep your ears open for similar opportunities for yourself.  In fact, it may even sound to you, as I describe these deals to you, that I’m trying to sell YOU on investing in these deals with us.Nope.  We’re closing on both of them with our own money, because both of these are just too sweet to turn down.  But I can tell you, with some confidence, that you’re going to wish you were in on this when you hear about it.  Who knows, we may raise capital for these deals so we can get some of our money back out to find even more of them… but we may just keep them… they’re that good.  If you’re already on my investor waiting list, I’ll let you know if we decide to make this available. And if you’re not already on my waiting list, and if you are liquid for atleast $100,000 - then you probably want to get on that list right away.  Just text me at 833-212-2112 and ask to get on the waiting list and I’ll take care of you.So what is this spectacular asset class?Oh now… surely you can venture a guess?  Think with me… the biggest demographic phenomemon of the last 60 years… the BABY BOOM generation… they’re retiring at the rate of about 10,000 people per day.  A whole lot of them have MONEY, and lots of it. And all of their kids and grandchildren have spread out all over the country. What are these people doing? They’re buying RV’s - in MASSIVE volumes - and taking their home with them all over the country.So what opportunity does this create for me and you… and what is the ACTUAL opportunity that my friend reached out to me about?RV parks, baby!  Imagine the benefits of owning a hotel… where you get a very, very high rental price for a very, very small portion of real estate… but you do NOT have to think about things like laundry or furniture or linens or any of the things that makes a hotel so very expensive to establish, operate and own.Instead, what you’re renting out is, essentially, a piece of concrete.  A small piece of concrete, where your customers bring THEIR OWN bed and THEIR OWN furniture and THEIR OWN linens.  All you do is provide them with a hookup for electricity and water and, if you’re smart, some great amenities, and what do you have?  You have a situation where you’re collecting hotel-like nightly rental rates in exchange for a service that is FAR LESS EXPENSIVE and SO MUCH EASIER to provide than with a hotel.But there’s another HUGE benefit to RV parks… lots of them, actually.  And this one explains why, we are expecting, conservatively, an internal rate of return of 15-20%+.  That benefit is REPEAT BUSINESS! You see, we know, as a sociological fact, that people who use RV parks are, by and large, very habitual in their behavior.  Once they find an RV park that they like, chances are they’ll come back every year or two over and over and over again…...and that means not only are the profits in this business VERY HIGH, but they can also be incredibly CONSISTENT.Both of the deals that we’re buying and closing on in the next two weeks are actually ALREADY very profitable… and the REALLY beautiful thing is this:  A little money spent wisely goes a REALLY LONG WAY with RV parks. There are two examples I want to share with you, both of which will ABSOLUTELY blow your mind… you’ll see why we are SO UTTERLY THRILLED with this asset class.But before I share those two examples with you, think about this name:  Sam Zell. Sam Zell is a LEGENDARY real estate investor, Bloomberg pegs his <a href="https://en.wikipedia.org/wiki/Sam_Zell#cite_note-2" rel="nofollow" target="_blank">net worth at $4.4 BILLION</a>.  Zell started and currently owns a very large percentage of several publicly-traded REITs - kind of like a mutual fund for real estate investments - and each of those REITs are focused on different real estate segments like commercial real estate, multi-family and… surprise, surprise… RV parks and mobile home parks.  And guess which one is outperforming the others? According to <a href="https://www.bisnow.com/national/news/capital-markets/sam-zell-equity-lifestyle-homes-profitable-92039" rel="nofollow" target="_blank">a recent story in BisNow.com</a>, the answer is no surprise at all:  Zell’s RV parks are CRUSHING the results from commercial real estate, multifamily and every other real estate sector.As for those two examples of how an investor can easily spend a TINY amount of money in an RV park and get that money back entirely very, very, very quickly… you’re just going to be bowled over, my friends.Unfortunately, we’re short of time today, so I’ll tell you those two things tomorrow, so be sure that you have SUBSCRIBED to Self-Directed Investor Talk in Apple Podcasts or whatever podcast system you use.If you’d like for me to send you a notice when I release that episode so you are sure you don’t miss it, just drop a quick text to me at 833-212-2112 and let me know.I’ll look forward to pulling back the curtain for you a little more tomorrow, my friends… and I’ll even give you my advice on how YOU can get involved in this incredibly, incredibly attractive asset class yourself… maybe even using the money in your IRA or 401(k), so don’t miss it!My friends… invest wisely today and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

the New KING OF THE HILL Among Real Estate Asset Classes  |  SDITalk.com/321

Secrets of Highly Tax-Advantaged Investing -- Episode #320 -- https://SDITalk.com/320For more information:  text the word FLOWTEX to 833-212-2112 Hosted on Acast. See acast.com/privacy for more information.

Secrets of Highly Tax-Advantaged Investing -- Episode #320 -- <a href="https://SDITalk.com/320" rel="nofollow" target="_blank">https://SDITalk.com/320</a>For more information: text the word FLOWTEX to 833-212-2112 Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

Secrets of Highly Tax-Advantaged Investing  |  SDITalk.com/320

Want to flip real estate in your IRA or 401(k)? Think you won’t owe taxes on your profits? You’ve made a very common error… but so did I in a solution I devised to that problem. Maybe my error will keep you from making any of your own, and I’ll tell you about it right now. I’m Bryan Ellis. This is Episode #319 of Self-Directed Investor Talk.----Hello, Self-Directed Investors, all across the fruited plane. Welcome to Episode #319 of Self-Directed Investor Talk, the SHOW OF RECORD for savvy self-directed investors like you, where each day, I help you to find, understand and profit from exceptional alternative investing strategies and opportunities!I have a great show headed your way right now. If you’d like to get the transcript or links to the resources I share with you today, just send text the word ep319 with no spaces to 833-212-2112. Again, to get a link to the transcript and resource links for this episode, #319, just text the word ep319 with no spaces to 833-212-2112 and we’ll get it right out to you.Well, I’ll admit it, folks… the brilliant idea I had yesterday isn’t going to pan out. Still, there’s a very helpful lesson in it that you’ll want to know, particularly if you like the idea of flipping real estate in your IRA or 401(k), and I’ll tell you all about it right after this…So here’s the idea: In the last couple of episodes I’ve shared with you 5 reasons that I’ve reconsidered my formerly 100% negative stance against oil and gas investing. It’s not that I never believed it could work, just that I had a misunderstanding of how risk can be mitigated, so the risk was all I saw. I’m definitely infinitely more open to that asset class now, and one of the big advantages created by many oil &amp; gas investments – which is HUGE tax deductibility – sparked an idea in my mind:The idea was this: There are a lot of people who like to flip real estate in their IRA or 401(k). Unfortunately, most of those people seem to not be aware of the fact that most such transactions are technically “earned” income rather than “unearned” income, and as such, the IRA or 401(k) will have to pay income taxes on any profits realized from flips.So here was my thought: If a person does a flip deal that generates a lot of profit, why not just – assuming you have the available capital to do so – just mitigate those taxes by doing a separate oil &amp; gas investment? That would generate a tax deduction which would otherwise be totally irrelevant for a retirement account since oil &amp; gas probably IS unearned income, and therefore shielded from taxes by the IRA or 401(k), so you could take the tax deduction generated by the oil &amp; gas deal and apply it to the income generated on your flip deal and VOILA, problem solved.Right?Well… Yes… until recently, that is. During the end of yesterday’s show when I described this idea, I kept hearing a voice in my mind saying… check it out, check it out! It was as if this idea absolutely SHOULD work, but for some reason, it won’t… I just couldn’t remember why.Well, I did what I always do when I have a question of this nature… I reached out to the Great One, attorney Tim Berry, for clarification. And he filled in the blanks for me. Apparently, before the recent Trump tax cut, it WAS possible for deductions generated by one investment to offset the profits generated by another investment in an IRA or 401(k). But apparently, that went away with the new tax law. That’s unfortunate. That tax bill has been so very good on such a broad basis and so clearly very good for our economy… but the fact is that there are still some somewhat crappy parts to it, and this is one of them.So… this idea won’t pan out. Not all of them do. That’s ok. Let’s keep thinking creatively together, shall we?My friends, invest wisely today and live well forever. Hosted on Acast. See acast.com/privacy for more information.

Want to flip real estate in your IRA or 401(k)? Think you won’t owe taxes on your profits? You’ve made a very common error… but so did I in a solution I devised to that problem. Maybe my error will keep you from making any of your own, and I’ll tell you about it right now. I’m Bryan Ellis. This is Episode #319 of Self-Directed Investor Talk.----Hello, Self-Directed Investors, all across the fruited plane. Welcome to Episode #319 of Self-Directed Investor Talk, the SHOW OF RECORD for savvy self-directed investors like you, where each day, I help you to find, understand and profit from exceptional alternative investing strategies and opportunities!I have a great show headed your way right now. If you’d like to get the transcript or links to the resources I share with you today, just send text the word ep319 with no spaces to 833-212-2112. Again, to get a link to the transcript and resource links for this episode, #319, just text the word ep319 with no spaces to 833-212-2112 and we’ll get it right out to you.Well, I’ll admit it, folks… the brilliant idea I had yesterday isn’t going to pan out. Still, there’s a very helpful lesson in it that you’ll want to know, particularly if you like the idea of flipping real estate in your IRA or 401(k), and I’ll tell you all about it right after this…So here’s the idea: In the last couple of episodes I’ve shared with you 5 reasons that I’ve reconsidered my formerly 100% negative stance against oil and gas investing. It’s not that I never believed it could work, just that I had a misunderstanding of how risk can be mitigated, so the risk was all I saw. I’m definitely infinitely more open to that asset class now, and one of the big advantages created by many oil &amp; gas investments – which is HUGE tax deductibility – sparked an idea in my mind:The idea was this: There are a lot of people who like to flip real estate in their IRA or 401(k). Unfortunately, most of those people seem to not be aware of the fact that most such transactions are technically “earned” income rather than “unearned” income, and as such, the IRA or 401(k) will have to pay income taxes on any profits realized from flips.So here was my thought: If a person does a flip deal that generates a lot of profit, why not just – assuming you have the available capital to do so – just mitigate those taxes by doing a separate oil &amp; gas investment? That would generate a tax deduction which would otherwise be totally irrelevant for a retirement account since oil &amp; gas probably IS unearned income, and therefore shielded from taxes by the IRA or 401(k), so you could take the tax deduction generated by the oil &amp; gas deal and apply it to the income generated on your flip deal and VOILA, problem solved.Right?Well… Yes… until recently, that is. During the end of yesterday’s show when I described this idea, I kept hearing a voice in my mind saying… check it out, check it out! It was as if this idea absolutely SHOULD work, but for some reason, it won’t… I just couldn’t remember why.Well, I did what I always do when I have a question of this nature… I reached out to the Great One, attorney Tim Berry, for clarification. And he filled in the blanks for me. Apparently, before the recent Trump tax cut, it WAS possible for deductions generated by one investment to offset the profits generated by another investment in an IRA or 401(k). But apparently, that went away with the new tax law. That’s unfortunate. That tax bill has been so very good on such a broad basis and so clearly very good for our economy… but the fact is that there are still some somewhat crappy parts to it, and this is one of them.So… this idea won’t pan out. Not all of them do. That’s ok. Let’s keep thinking creatively together, shall we?My friends, invest wisely today and live well forever. Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

A Great Idea For Real Estate Flippers... But It Doesn't Work  |  SDITalk.com/319

News flash: I was wrong. There’s one asset class that I’ve never embraced and certainly never invested in because it is, I convinced myself, incredibly risky. Well, I was wrong. I’ll tell you HOW I was wrong… and the upside potential of this asset class RIGHT NOW in Episode #317 of Self-Directed Investor Talk.---Hello, Self-Directed Investors, all across the fruited plane. Welcome to Episode #317 of Self-Directed Investor Talk, the SHOW OF RECORD for savvy self-directed investors like you, and today we have an excellent show for you.Our telephone number here for you folks that have questions is easy to remember: 833-212-2112. And that’s also our TEXT number, too… because if you’d like a link to the recording of this show or to the transcript – maybe to review for yourself or forward to a friend of yours, it’s very easy to get that and costs nothing other than normal message and data rates. Just text today’s episode number – 317 – to 833-212-2112 and we’ll send those links out to you right away.The asset class we consider today isn’t a new one, but it’s still a sexy one. Two of the most famous TV shows of the 1980’s – Dallas and Dynasty – were based on the immense wealth created by this asset class, and the frankly, the money involved in this arena has done nothing but get bigger and bigger and bigger.That asset class is, of course, the oil &amp; gas industry.Now look… I’ve never invested a single penny in this asset class. I have no experience with it. None. My interest in it is solely because a friend of mine for whom I have great respect, and whose acumen as an investor is absolutely first-rate, and has been so consistently for many years now… well, he reached out to me as he does from time to time for help with raising some capital for a project of his. Given his success, I always take such calls quite seriously, but this time, his latest project stopped me cold: He wants to do a big oil &amp; gas investment, and he wants me to help him raise money for that investment.Normally, I’d turn down the request just because I think oil &amp; gas is so risky. But I had to give him a fair hearing because of his track record. And I’ve got to say… I think I may have been operating under some faulty assumptions for a long time.I’m still doing my research, but here’s what I’ve found out so far:First, risk doesn’t exist in a vacuum in the oil business. I mean that, by and large, it’s relatively simple to know in advance, through the use of modern science, whether a particular high-risk, high-reward new oil well might be a total dud. In other words, if you’re careful, it’s not extremely likely you’ll ever be taken by surprise if you invest in a new well that ends up being unproductive. You’ll know going in about your odds of success, and you can likely mitigate that risk in several different ways, which leads toThe Second point, which is this: Risk mitigation is the key in oil &amp; gas. It appears that the “smart money” in that business mitigates their up-front risk by a combination of careful and aggressive investment in the geological research necessary to make well-informed predictions, and by always spreading risk around by way of investing in not just one and only one oil well, but in MANY oil wells, so that the failure of any one can be overtaken, probably in substantial volume, by the other more successful wells.Now those first two bits of learning are helpful and useful but not overwhelmingly surprising. But these last two points, I never would have guessed. And I’ll tell you what they are in about 45 seconds from now, when we return from this quick word from our sponsor.Hey folks, Bryan Ellis here.  An industry that’s really caught my attention lately is oil &amp; gas.  It’s not for everybody… but if you’re looking for the ability to take an income tax deduction for practically EVERY PENNY you invest into your deals…PLUS a method of investing so reliable that banks lend against this kind of income, you should reach out to my friend Aldo over at FlowTex Energy.  I don’t know if they’re funding any investments right now or not… but what I do know is Aldo can help you see whether oil and gas is a good fit for you… and why it’s probably a much better fit than you think.  Learn more now.  Just text the word ALDO – that’s ALDO – to 833-212-2112 right now.  Again, text the world ALDO to 833-212-2112 right now.So, continuing on with the 5 things I’ve learned about investing in oil &amp; gas that may be changing my mind about that asset class…The Third thing I’ve learned is this: There’s more than one way to play the oil &amp; gas game. You see, the thing we probably all think of – acquiring land, drilling for oil, hoping for big gushers and selling oil by the thousands of barrels each day – well, that’s certainly one way to play it and it’s a very HIGH DOLLAR kind of way. But it’s not the only way. For example: It’s actually quite common for niche-type companies to do very, very well in the oil and gas business simply by buying wells that are ALREADY PRODUCING and simply to monetize those wells. It turns out that the state of the art in science where oil and gas detection are concerned is sufficiently advanced that many banks will actually lend against the production capabilities of oil wells, so predictable and reliable is the ability of scientists to forecast the productivity level of any particular oil well.But why would an oil company sell an oil well that they already own, that is producing reliably, and that has a predictable value in the future? Well, it has to do with the fourth issue I learned about, and that one – along with issue #5, which is the most important one of them all, the one that actually makes it HARD TO LOSE as an oil &amp; gas investor, we’ll have to reserve for tomorrow, since we’re out of time for today.I really hope this has gotten you thinking about the potential of oil &amp; gas investing. I’ll be straight with you: I’m not yet 100% sold. But every day, the pendulum swing is getting closer and closer to a big, fat YES.So join me tomorrow to hear about the final two HUGE things I’ve learned… more substantial even than the first 3. If you’d like to hear this episode again or read the transcript – or even forward it to a friend of yours you know is interested in oil &amp; gas investing – then just text today’s episode # - which is 317, 317 – to me at 833-212-2112 and we’ll get those links to you right away.In the mean time, my friends: Invest wisely today and live well forever! Hosted on Acast. See acast.com/privacy for more information.

News flash: I was wrong. There’s one asset class that I’ve never embraced and certainly never invested in because it is, I convinced myself, incredibly risky. Well, I was wrong. I’ll tell you HOW I was wrong… and the upside potential of this asset class RIGHT NOW in <a href="https://SDITalk.com/317" rel="nofollow" target="_blank">Episode #317 of Self-Directed Investor Talk</a>.---Hello, Self-Directed Investors, all across the fruited plane. Welcome to Episode #317 of Self-Directed Investor Talk, the SHOW OF RECORD for savvy self-directed investors like you, and today we have an excellent show for you.Our telephone number here for you folks that have questions is easy to remember: 833-212-2112. And that’s also our TEXT number, too… because if you’d like a link to the recording of this show or to the transcript – maybe to review for yourself or forward to a friend of yours, it’s very easy to get that and costs nothing other than normal message and data rates. Just text today’s episode number – 317 – to 833-212-2112 and we’ll send those links out to you right away.The asset class we consider today isn’t a new one, but it’s still a sexy one. Two of the most famous TV shows of the 1980’s – Dallas and Dynasty – were based on the immense wealth created by this asset class, and the frankly, the money involved in this arena has done nothing but get bigger and bigger and bigger.That asset class is, of course, the oil &amp; gas industry.Now look… I’ve never invested a single penny in this asset class. I have no experience with it. None. My interest in it is solely because a friend of mine for whom I have great respect, and whose acumen as an investor is absolutely first-rate, and has been so consistently for many years now… well, he reached out to me as he does from time to time for help with raising some capital for a project of his. Given his success, I always take such calls quite seriously, but this time, his latest project stopped me cold: He wants to do a big oil &amp; gas investment, and he wants me to help him raise money for that investment.Normally, I’d turn down the request just because I think oil &amp; gas is so risky. But I had to give him a fair hearing because of his track record. And I’ve got to say… I think I may have been operating under some faulty assumptions for a long time.I’m still doing my research, but here’s what I’ve found out so far:First, risk doesn’t exist in a vacuum in the oil business. I mean that, by and large, it’s relatively simple to know in advance, through the use of modern science, whether a particular high-risk, high-reward new oil well might be a total dud. In other words, if you’re careful, it’s not extremely likely you’ll ever be taken by surprise if you invest in a new well that ends up being unproductive. You’ll know going in about your odds of success, and you can likely mitigate that risk in several different ways, which leads toThe Second point, which is this: Risk mitigation is the key in oil &amp; gas. It appears that the “smart money” in that business mitigates their up-front risk by a combination of careful and aggressive investment in the geological research necessary to make well-informed predictions, and by always spreading risk around by way of investing in not just one and only one oil well, but in MANY oil wells, so that the failure of any one can be overtaken, probably in substantial volume, by the other more successful wells.Now those first two bits of learning are helpful and useful but not overwhelmingly surprising. But these last two points, I never would have guessed. And I’ll tell you what they are in about 45 seconds from now, when we return from this quick word from our sponsor. Hey folks, Bryan Ellis here.  An industry that’s really caught my attention lately is oil &amp; gas.  It’s not for everybody… but if you’re looking for the ability to take an income tax deduction for practically EVERY PENNY you invest into your deals…PLUS a method of investing so reliable that banks lend against this kind of income, you should reach out to my friend Aldo over at FlowTex Energy.  I don’t know if they’re funding any investments right now or not… but what I do know is Aldo can help you see whether oil and gas is a good fit for you… and why it’s probably a much better fit than you think.  Learn more now.  Just text the word ALDO – that’s ALDO – to 833-212-2112 right now.  Again, text the world ALDO to 833-212-2112 right now.So, continuing on with the 5 things I’ve learned about investing in oil &amp; gas that may be changing my mind about that asset class…The Third thing I’ve learned is this: There’s more than one way to play the oil &amp; gas game. You see, the thing we probably all think of – acquiring land, drilling for oil, hoping for big gushers and selling oil by the thousands of barrels each day – well, that’s certainly one way to play it and it’s a very HIGH DOLLAR kind of way. But it’s not the only way. For example: It’s actually quite common for niche-type companies to do very, very well in the oil and gas business simply by buying wells that are ALREADY PRODUCING and simply to monetize those wells. It turns out that the state of the art in science where oil and gas detection are concerned is sufficiently advanced that many banks will actually lend against the production capabilities of oil wells, so predictable and reliable is the ability of scientists to forecast the productivity level of any particular oil well.But why would an oil company sell an oil well that they already own, that is producing reliably, and that has a predictable value in the future? Well, it has to do with the fourth issue I learned about, and that one – along with issue #5, which is the most important one of them all, the one that actually makes it HARD TO LOSE as an oil &amp; gas investor, we’ll have to reserve for tomorrow, since we’re out of time for today.I really hope this has gotten you thinking about the potential of oil &amp; gas investing. I’ll be straight with you: I’m not yet 100% sold. But every day, the pendulum swing is getting closer and closer to a big, fat YES.So join me tomorrow to hear about the final two HUGE things I’ve learned… more substantial even than the first 3. If you’d like to hear this episode again or read the transcript – or even forward it to a friend of yours you know is interested in oil &amp; gas investing – then just text today’s episode # - which is 317, 317 – to me at 833-212-2112 and we’ll get those links to you right away.In the mean time, my friends: Invest wisely today and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

I WAS WRONG About Oil & Gas (Part 1)  |  SDITalk.com/317

Do you INSTINCTIVELY KNOW that Wall Street doesn't have your best interests at heart, and that there's a better way to grow and protect your money to build wealth for generations? Then this is the alternative investments show for you. Self Directed Investor Talk is America's ONLY Podcast exclusively for Self Directed Investors (whether using a Self Directed IRA, Solo 401k, or non-retirement accounts) who trust themselves more than they trust Wall Street. You'll get innovative investment strategies, deadly accurate market analysis, and uniquely vetted profitable investment opportunities that conventional financial advisers don't even know about. You'll receive a powerful new episode every day of the week... and each episode is 10 minutes or less! Check it out right now! Hosted on Acast. See acast.com/privacy for more information.

I’ve spent the last week binge listening to this podcast.  A true value-add to anyone interested not just in real estate but investing in general. The content is unique and extremely well delivered.

Can’t get enough

Wealth of knowledge and very valuable information. I listen everyday.

Best Investor podcast

Do you INSTINCTIVELY KNOW that Wall Street doesn't have your best interests at heart, and that there's a better way to grow and protect your money to build wealth for generations? Then this is the alternative investments show for you. <a href="https://sdi360.com/podcast/sdi-talk" rel="noopener noreferrer nofollow" target="_blank">Self Directed Investor Talk</a> is America's ONLY Podcast exclusively for Self Directed Investors (whether using a Self Directed IRA, Solo 401k, or non-retirement accounts) who trust themselves more than they trust Wall Street. You'll get innovative investment strategies, deadly accurate market analysis, and uniquely vetted profitable investment opportunities that conventional financial advisers don't even know about. You'll receive a powerful new episode every day of the week... and each episode is 10 minutes or less! Check it out right now! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

Self Directed Investor Talk:  Alternative Asset Investing through Self-Directed IRA's & Solo 401k's

How do you maximize the potential for an inherited IRA… before you inherit it?  And why does this matter for you… even if you don’t expect to inherit an IRA?  I’m Bryan Ellis… I’ll tell you right now in Episode #87…--------The inherited IRA… particularly the inherited ROTH IRA… one of my favorite topics… and one of the most powerful financial tools EVER.I got a great question last week from a listener named Christa, who said:  “I followed your advice in Special Edition #1 from back in February of 2015 where you advised to have a relative create a roth IRA and to specify me as the beneficiary.  My father set up a Roth and deposited a small amount of money into the account as you advised.  What do I do now so I can maximize the benefits of the Roth?”Great question, Christa… and wise thinking on your part.  My friends, what Christa is referring to is one of my absolute favorite strategies.  Just imagine this:  Imagine an account for which, just by virtue of performing your investments in that account, that all of your profits on those investments are 100% tax FREE – not tax deferred – but, even better than a typical Roth IRA, you can actually take those profits out at any time you want, and not be required to wait until retirement age?Yep… you heard that right.  A magical financial account that makes income taxes on investment profits just VANISH.  Pretty amazing, right?  There’s only one problem:  The only way to get one of these magical accounts is to inherit it.  And for you to inherit it, you guessed:  Somebody has to pass on to the great by-and-by.Well, Christa has been smart, and has arranged for her father to create a small Roth account and has specified Christa as his beneficiary.  Christa’s father is not only not dead… but he’s doing quite well and will be with us for some time.  Christa’s question to me is:  What can I do in the mean time to maximize the value of that account when I inherit it?I love this question, Christa.  And I’ll tell you EXACTLY what you should do.But FIRST:  Can I take a moment to brag again on my Phoenix team?  We’re about to wrap up another GREAT “passive real estate flip” where we work with a client who wants to take advantage of the hot market for flipping real estate, but who hasn’t the time or expertise to perform the flipping process for themselves.  Now, I’ll go ahead and admit… the deal I’m about to describe to you is in escrow on the resale side.  We bought this property almost 3 months ago and have fully renovated it.  It is under contract to be sold, and escrow will close on that sale in about 2 weeks.  The bottom line on this deal?  Assuming it closes on time, the cash-on-cash return will be 29.6% for a 4-month transaction.  And even if escrow is extended, we’ll still solidly be in the 20% cash-on-cash ROI range on this deal.  My guys in Phoenix are just simply extraordinary… and I’m so proud to be associated with them, and to connect my clients with them.  If YOU would like more information about what they’re doing, and how YOU could get involved in our Passive Property Flipping, please check out my free webinar right now.  You can see it at SDIRadio.com/flip… again, that’s SDIRadio.com/flip.  This particular opportunity is most suitable for clients with a minimum of $75,000 of liquid capital. So, Christa wants to know how to maximize the benefit she receives from the Roth IRA she’ll inherit sometime in the future from her father, who is currently alive and kicking, thankfully!Christa, I admire your interest in planning for optimization.Here’s something I want you to remember:  That Roth IRA belongs to your father.  It will not be yours until you inherit it after his passing.  So the first thing to consider is that you should make sure your relationship with your father is on steady ground, because at any time between now and that fateful day, your father still owns that IRA, and can change the beneficiary at any time… or he could just withdraw the money in it and use it to his liking.But assuming that your family ties are strong, here’s what you can do:Consider building the Roth IRA alongside of your father.  Remember – it’s his account, so everything done with that account will require his approval.  Depending on the size of your account, you have various options.  It’s my impression from your email that your father deposited a fairly small amount of money into the account, and do you know what?  That’s ok.  The value of an inherited Roth IRA is not in the amount of money you inherit in it – though more is always better – but it’s in the incredible tax advantages that it offers you… you know, that advantage where all of your investment profits are both entirely tax free AND available for your immediate usage without penalty.So here’s the thing:  If your father’s account is small, I recommend that you do two things:  First, to the extent it’s consistent with your father’s tax planning and financial circumstances, ask your father to add more contributions to it over time in order to grow the capital base.  The money for those contributions may even be given to your father by you… so long as you do so in a tax-compliant manner.But the other thing… the far more consequential thing… that you should do is this:  Begin to learn some investment strategies you can use that require less money, and probably more effort.  For example:  Many people will flip one or two real estate contracts each year in their IRA.  While I do fear that the IRS could change it’s stance on that particular activity in the future, in recent years, it appears that they’ve been pretty liberal about allowing that strategy.  And the strategy is simple:  You find a property that can be bought at an attractive price and get it under contract in the name of your IRA, and pay the earnest money deposit using your IRA’s funds.  You then find some other party who is interested in the property, and “assign” the contract to them for a fee, thereby getting back your earnest money and a nice profit.  It’s frequently possible to earn nice sums of money – making $5,000 to $15,000 per assignment transaction is not uncommon.BUT… it does require work.  That’s the tradeoff… if you’re dealing with a small amount of money in your Roth IRA when you inherit it, you’re going to have to focus on deals where you can substitute effort for money, to the extent that such is allowable in your IRA.There are other methods too… there’s a lot of flexibility in note investing, for example… particularly with the use of partial notes.  But that’s a topic far too big for our remaining time.And something very important, Christa:  You can NOT contribute more money to the Roth IRA after you inherit it.  No more contributions are allowed after inheritance.  You can make all of the profit you want in that account, but you can’t contribute more money to it.Bottom line, Christa:  You should spend your time right now LEARNING how to do these types deals where you can substitute effort for money in an IRA-compatible manner.  This will allow you to quickly build up your Roth IRA capital base to a point where you can do other, more substantial, deals… and really enjoy the astounding tax advantages that an inherited Roth offers.And to the rest of my listeners:  A Roth IRA… even one with a limited amount of capital… coupled with education about how to use it… is one of the most valuable things you could leave to your children and grandchildren.  Please take a moment to listen to Special Edition 1 of this show, published on February 15, 2015 for more information.  It’ll blow your mind.Have a great day my friends… and remember to check out my webinar about Passive Property Flipping for affluent investors over at SDIRadio.com/flip.  Folks… invest wisely today… and live well forever! Hosted on Acast. See acast.com/privacy for more information.

How do you maximize the potential for an inherited IRA… before you inherit it?  And why does this matter for you… even if you don’t expect to inherit an IRA?  I’m Bryan Ellis… I’ll tell you right now in Episode #87…--------The inherited IRA… particularly the inherited ROTH IRA… one of my favorite topics… and one of the most powerful financial tools EVER.I got a great question last week from a listener named Christa, who said:  “I followed your advice in Special Edition #1 from back in February of 2015 where you advised to have a relative create a roth IRA and to specify me as the beneficiary.  My father set up a Roth and deposited a small amount of money into the account as you advised.  What do I do now so I can maximize the benefits of the Roth?”Great question, Christa… and wise thinking on your part.  My friends, what Christa is referring to is one of my absolute favorite strategies.  Just imagine this:  Imagine an account for which, just by virtue of performing your investments in that account, that all of your profits on those investments are 100% tax FREE – not tax deferred – but, even better than a typical Roth IRA, you can actually take those profits out at any time you want, and not be required to wait until retirement age?Yep… you heard that right.  A magical financial account that makes income taxes on investment profits just VANISH.  Pretty amazing, right?  There’s only one problem:  The only way to get one of these magical accounts is to inherit it.  And for you to inherit it, you guessed:  Somebody has to pass on to the great by-and-by.Well, Christa has been smart, and has arranged for her father to create a small Roth account and has specified Christa as his beneficiary.  Christa’s father is not only not dead… but he’s doing quite well and will be with us for some time.  Christa’s question to me is:  What can I do in the mean time to maximize the value of that account when I inherit it?I love this question, Christa.  And I’ll tell you EXACTLY what you should do.But FIRST:  Can I take a moment to brag again on my Phoenix team?  We’re about to wrap up another GREAT “passive real estate flip” where we work with a client who wants to take advantage of the hot market for flipping real estate, but who hasn’t the time or expertise to perform the flipping process for themselves.  Now, I’ll go ahead and admit… the deal I’m about to describe to you is in escrow on the resale side.  We bought this property almost 3 months ago and have fully renovated it.  It is under contract to be sold, and escrow will close on that sale in about 2 weeks.  The bottom line on this deal?  Assuming it closes on time, the cash-on-cash return will be 29.6% for a 4-month transaction.  And even if escrow is extended, we’ll still solidly be in the 20% cash-on-cash ROI range on this deal.  My guys in Phoenix are just simply extraordinary… and I’m so proud to be associated with them, and to connect my clients with them.  If YOU would like more information about what they’re doing, and how YOU could get involved in our Passive Property Flipping, please check out my free webinar right now.  You can see it at <a href="http://www.SDIRadio.com/flip" rel="nofollow" target="_blank">SDIRadio.com/flip</a>… again, that’s <a href="http://www.SDIRadio.com/flip" rel="nofollow" target="_blank">SDIRadio.com/flip</a>.  This particular opportunity is most suitable for clients with a minimum of $75,000 of liquid capital. So, Christa wants to know how to maximize the benefit she receives from the Roth IRA she’ll inherit sometime in the future from her father, who is currently alive and kicking, thankfully!Christa, I admire your interest in planning for optimization.Here’s something I want you to remember:  That Roth IRA belongs to your father.  It will not be yours until you inherit it after his passing.  So the first thing to consider is that you should make sure your relationship with your father is on steady ground, because at any time between now and that fateful day, your father still owns that IRA, and can change the beneficiary at any time… or he could just withdraw the money in it and use it to his liking.But assuming that your family ties are strong, here’s what you can do:Consider building the Roth IRA alongside of your father.  Remember – it’s his account, so everything done with that account will require his approval.  Depending on the size of your account, you have various options.  It’s my impression from your email that your father deposited a fairly small amount of money into the account, and do you know what?  That’s ok.  The value of an inherited Roth IRA is not in the amount of money you inherit in it – though more is always better – but it’s in the incredible tax advantages that it offers you… you know, that advantage where all of your investment profits are both entirely tax free AND available for your immediate usage without penalty.So here’s the thing:  If your father’s account is small, I recommend that you do two things:  First, to the extent it’s consistent with your father’s tax planning and financial circumstances, ask your father to add more contributions to it over time in order to grow the capital base.  The money for those contributions may even be given to your father by you… so long as you do so in a tax-compliant manner.But the other thing… the far more consequential thing… that you should do is this:  Begin to learn some investment strategies you can use that require less money, and probably more effort.  For example:  Many people will flip one or two real estate contracts each year in their IRA.  While I do fear that the IRS could change it’s stance on that particular activity in the future, in recent years, it appears that they’ve been pretty liberal about allowing that strategy.  And the strategy is simple:  You find a property that can be bought at an attractive price and get it under contract in the name of your IRA, and pay the earnest money deposit using your IRA’s funds.  You then find some other party who is interested in the property, and “assign” the contract to them for a fee, thereby getting back your earnest money and a nice profit.  It’s frequently possible to earn nice sums of money – making $5,000 to $15,000 per assignment transaction is not uncommon.BUT… it does require work.  That’s the tradeoff… if you’re dealing with a small amount of money in your Roth IRA when you inherit it, you’re going to have to focus on deals where you can substitute effort for money, to the extent that such is allowable in your IRA.There are other methods too… there’s a lot of flexibility in note investing, for example… particularly with the use of partial notes.  But that’s a topic far too big for our remaining time.And something very important, Christa:  You can NOT contribute more money to the Roth IRA after you inherit it.  No more contributions are allowed after inheritance.  You can make all of the profit you want in that account, but you can’t contribute more money to it.Bottom line, Christa:  You should spend your time right now LEARNING how to do these types deals where you can substitute effort for money in an IRA-compatible manner.  This will allow you to quickly build up your Roth IRA capital base to a point where you can do other, more substantial, deals… and really enjoy the astounding tax advantages that an inherited Roth offers.And to the rest of my listeners:  A Roth IRA… even one with a limited amount of capital… coupled with education about how to use it… is one of the most valuable things you could leave to your children and grandchildren.  Please take a moment to listen to Special Edition 1 of this show, published on February 15, 2015 for more information.  It’ll blow your mind.Have a great day my friends… and remember to check out my webinar about Passive Property Flipping for affluent investors over at <a href="http://www.SDIRadio.com/flip" rel="nofollow" target="_blank">SDIRadio.com/flip</a>. Folks… invest wisely today… and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

the INHERITED IRA - How To Maximize It Before AND After Inheritance!  |  Episode 87

Real estate is all about location, location, location… or is it?  Here’s how you determine EXACTLY which market is best for your portfolio dollars… along with the one thing that might matter even more than location.  I’m Bryan Ellis.  This is Episode #125.----------Hello, SDI Nation!  Welcome to the podcast of record for savvy self-directed investors like you.What is the very best market in America for real estate investing?  What about the top 5?I’ll get to that in just a moment, but first:Later today, I’ll be sending out an update to my TOP PICKS list with some great new rental properties that can be purchased FAR below retail price… seriously excellent deals, to be frank.So if you’re looking for an actual GREAT real estate deal, in a very desirable market, that you can acquire for a very attractive price – then be SURE to be on my Top Picks notification list.  To get on that list, text the word TOP PICKS with no spaces to 33444.  Again, text the word TOP PICKS with no spaces to 33444 and later today, I’ll send out the notice to you!So… which real estate markets are absolutely the best?More importantly, how does one accurately determine this information?The best approach, of course, is a crystal ball.  That’s what I use, and it’s served me very well.  HeheheheheJust kidding, of course!  I could practically hear all of my more woo-woo listeners in California going gaga in the realization that I’m one of them.   HeheheheheBut actually, I’m not.  I’m more of a hard numbers, analyze a spreadsheet, black-and-white standards sort of guy.  Not as exciting as the hocus pocus, but it works a lot better!So, short of invoking the supernatural, how do we know where real estate is likely to boom or bust?Incidentally, what I’m about to tell you is relevant for stocks, too.There are 2 general approaches to analyzing markets… regardless of what the market is.  One is called “Fundamental Analysis” and one is called “Technical Analysis”.You should have conceptual familiarity with both.  So I’ll give that to you right now.Here’s the gist of fundamental analysis:  There are some factors that tend to have an impact on asset pricing.  The most fundamental of fundamental factors is supply and demand.  Recently, there’s been a relative shortage of housing inventory in cities like Charlotte, San Antonio and San Diego.  And since people continue to want to move into those areas, prices are naturally driven higher.So, the SUPPLY of housing inventory in a market is a very, very important consideration, and it’s fairly easy to know.  The U.S. Census Bureau freely offers this data, and you can get this information from the National Association of Realtors as well.But what about the other side of the coin:  Demand?  Assuming a market isn’t oversaturated with housing, how can you know whether there will be demand for real estate there?Here again, adherents to the discipline of fundamental analysis believe that logically connected factors drive demand, and therefore pricing, of real estate markets.  Some of the most commonly relied upon fundamental factors are: Hosted on Acast. See acast.com/privacy for more information.

Real estate is all about location, location, location… or is it?  Here’s how you determine EXACTLY which market is best for your portfolio dollars… along with the one thing that might matter even more than location.  I’m Bryan Ellis.  This is Episode #125.----------Hello, SDI Nation!  Welcome to the podcast of record for savvy self-directed investors like you.What is the very best market in America for real estate investing?  What about the top 5?I’ll get to that in just a moment, but first:Later today, I’ll be sending out an update to my TOP PICKS list with some great new rental properties that can be purchased FAR below retail price… seriously excellent deals, to be frank.So if you’re looking for an actual GREAT real estate deal, in a very desirable market, that you can acquire for a very attractive price – then be SURE to be on my Top Picks notification list.  To get on that list, text the word TOP PICKS with no spaces to 33444.  Again, text the word TOP PICKS with no spaces to 33444 and later today, I’ll send out the notice to you!So… which real estate markets are absolutely the best?More importantly, how does one accurately determine this information?The best approach, of course, is a crystal ball.  That’s what I use, and it’s served me very well.  HeheheheheJust kidding, of course!  I could practically hear all of my more woo-woo listeners in California going gaga in the realization that I’m one of them.   HeheheheheBut actually, I’m not.  I’m more of a hard numbers, analyze a spreadsheet, black-and-white standards sort of guy.  Not as exciting as the hocus pocus, but it works a lot better!So, short of invoking the supernatural, how do we know where real estate is likely to boom or bust?Incidentally, what I’m about to tell you is relevant for stocks, too.There are 2 general approaches to analyzing markets… regardless of what the market is.  One is called “Fundamental Analysis” and one is called “Technical Analysis”.You should have conceptual familiarity with both.  So I’ll give that to you right now.Here’s the gist of fundamental analysis:  There are some factors that tend to have an impact on asset pricing.  The most fundamental of fundamental factors is supply and demand.  Recently, there’s been a relative shortage of housing inventory in cities like Charlotte, San Antonio and San Diego.  And since people continue to want to move into those areas, prices are naturally driven higher.So, the SUPPLY of housing inventory in a market is a very, very important consideration, and it’s fairly easy to know.  The U.S. Census Bureau freely offers this data, and you can get this information from the National Association of Realtors as well.But what about the other side of the coin:  Demand?  Assuming a market isn’t oversaturated with housing, how can you know whether there will be demand for real estate there?Here again, adherents to the discipline of fundamental analysis believe that logically connected factors drive demand, and therefore pricing, of real estate markets.  Some of the most commonly relied upon fundamental factors are: Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

Why It's NOT All About "LOCATION, LOCATION, LOCATION"!  |  Episode 125

Do you want to build a legacy, and not just a portfolio?  If so, there’s one financial tool that is CHEAP (under $10), easy to use, and will have a bigger impact on FUTURE GENERATIONS than anything else you’ve ever done.  And odds are, you’ve never even heard of it.  I’m Bryan Ellis.  I’ll tell you what it is and how to use it RIGHT NOW in Episode #225. ---- Hello, SDI Nation!  Welcome to the show of record for savvy self-directed investors like you, where each day you how to find, understand and profit from exceptional investments… and turn those investments into a wonderful legacy for generations to come! What a GREAT DAY to be alive, folks!  I’m so honored you’re spending some time with me right now, so let’s get right to it.  But a quick note to you, and I really hope you folks will take this seriously. Have you ever been in a situation where you were just a bit short of capital for an investment, or for your business, or anything else?  If so, I want you to check out my friends Ari and Mike at Fund &amp; Grow. They are astoundingly good at acquiring zero interest credit of fifty to $250,000 that you can use at your discretion!  I really vouch for what they can do… it’s really amazing, and I’ve seen it work over and over with my own clients, many of whom are your fellow listeners!  To see how &amp; why it works, just check out the short video we’ve posted at SDIRadio.com/credit.  You’ll be very glad you did. My friends, I know that many of you, like me, think in terms not only of building for your own retirement and other financial wellbeing, but also of building financial assets that will benefit future generations.  And you know, that’s a WISE thing to do.  In fact, right there in the middle of the greatest book of wisdom ever written, the Biblical book of Proverbs, is a verse that says that one thing that wise people do is to leave an inheritance for their children’s children… their grandchildren!  That means that wise people operate with an eye on making an enduring impact on at least 3 distinct generations:  Their own, their children’s generation, and their grandchildren’s generation. If you agree with that thinking, as I do… then ask yourself:  How would it impact your decisions today, if your time frame was not merely from now until retirement, or now until the end of your life… but at least now until the end of your GRANDCHILDREN’S lives?  Wow… that’s a huge, humbling and EXCITING thought, really… because time well used is the best friend of the wise investor. Now look, I’m no expert in Hebrew, the original language of that verse in Proverbs, but in the English translation of it I’m reading, there’s no indication that the inheritance that a wise person leaves to their children’s children is or should be limited to a FINANCIAL inheritance. What other kind of inheritance is there, you might wonder?  Well I’m glad you asked, my friends!  Hehehe What’s easily more valuable than any money you could leave is the benefit of your EXPERIENCE.  Don’t just leave money or assets… leave an awareness of what those assets are… why you chose them… what alternatives you considered and rejected… what factors about that asset gave you PAUSE, even though you opted to acquire it… what standards you adopted to know how long you should hold the asset… what kind of tax or legal structuring you used for the asset… what you planned to do with the cash flow generated by the asset… how the asset compares to other investments you’ve made in the past. There’s GOLD in that kind of information, my friends… PURE GOLD. Imagine if your parents or grandparents had passed on to you a journal… or many journals… that logged their thoughts about the kinds of decisions they made with their money?  There would be SO MUCH TO LEARN… even if your forebears were NOT financially successful… still, how valuable would it be to see the formation of the decisions that led them where they ended up?  Because it was THOSE decisions that affected YOU… and those decisions reverberate to your children, your grandchildren, great-grandchildren and beyond! I feel a real passion rising up in me for this notion… the notion of financial journaling…. But it’s not really just a financial thing… it’s more like LEGACY journaling… documenting the legacy that I want to leave and that you want to leave. And all it takes is to go down to the local office supply store and spend $10 on a journal.  I guess you could do it electronically, and there’d be value to that too, I suppose.  But there’s something special, I think, about handwriting. Can you imagine what it would be like to have the accumulated wisdom of multiple generations of your family to call upon?  Something to pass from one generation to the next… something that makes your family uniquely YOUR FAMILY among all of the families in the world?  Folks, nothing is more indicative of who you are, and who your family is, then how you spend your money.  Where your treasure is… what you use your money for… THAT is where your heart is.  THAT is what’s important to you… This is important stuff, folks!  And not just for investments.  For all things financial.  What if there was a history you could look back on to see when your parents considered whether to buy a home or a car or an insurance policy or even take a big vacation… how valuable would it be to know what, exactly they considered?  IMMENSELY valuable… because you’d have the benefit of hindsight, and the ability to objectively evaluate whether their decision turned out well or not. That kind of experience is PURE GOLD, my friends… absolutely priceless.  Absolutely priceless. And what about your financial RELATIONSHIPS?  Passing on knowledge of great advisors, great bankers, great attorneys, great accountants… that kind of information… those kinds of shortcuts have value of indescribable measure. This is a practical issue, too, for those of you who are interested in building not just a portfolio, but a legacy.  That’s because, unless you restrict your investments to the most plain-jane of assets, such as stocks or mutual funds, then there will be assets in your portfolio that may be unfamiliar to your children or grandchildren such that they don’t really know how to handle them.  But by WRITING DOWN what you bought, why you bought it, and how to know when it’s time to sell, you’ll be making the job EASY for them! There’s ABSOLUTE GOLD in that kind of information… and without it, that brilliant and very successful real estate deal you get into TODAY will likely be the one that your future beneficiaries will liquidate far below real value… not because they’re vindictive or foolish or anything other than that they simply don’t understand. So, that’s it, my friends… start a financial journal today.  Go to an office supply store, spend 10 bucks on a journal, and use it!  Maybe call it a legacy journal… and write down the important decisions you make and why you make them.  Then pass that information on, and teach your family to revere it as worth far more than money, because it is. Hey, that’s all for today except for one question I have for you:  Did you find today’s show helpful?  If you DID, and if you’d enjoy more shows like this, then PLEASE do this:   Tell a friend about SDI Radio, ok?  That’s the best way for us to grow.  Just tell them to stop by SDIRadio.com!  And be sure to leave your comments and questions over at today’s show notes page at SDIRadio.com/225…. I’d love to hear from you! And hey… if there’s anything you’d like to hear more about, drop me a line at feedback@sdiradio.com.  My friends… invest wisely today, and live well forever!   Hosted on Acast. See acast.com/privacy for more information.

Do you want to build a legacy, and not just a portfolio?  If so, there’s one financial tool that is CHEAP (under $10), easy to use, and will have a bigger impact on FUTURE GENERATIONS than anything else you’ve ever done.  And odds are, you’ve never even heard of it.  I’m Bryan Ellis.  I’ll tell you what it is and how to use it RIGHT NOW in Episode #225. ---- Hello, SDI Nation!  Welcome to the show of record for savvy self-directed investors like you, where each day you how to find, understand and profit from exceptional investments… and turn those investments into a wonderful legacy for generations to come! What a GREAT DAY to be alive, folks!  I’m so honored you’re spending some time with me right now, so let’s get right to it.  But a quick note to you, and I really hope you folks will take this seriously. Have you ever been in a situation where you were just a bit short of capital for an investment, or for your business, or anything else?  If so, I want you to check out my friends Ari and Mike at Fund &amp; Grow. They are astoundingly good at acquiring zero interest credit of fifty to $250,000 that you can use at your discretion!  I really vouch for what they can do… it’s really amazing, and I’ve seen it work over and over with my own clients, many of whom are your fellow listeners!  To see how &amp; why it works, just check out the short video we’ve posted at <a href="http://SDIRadio.com/credit" rel="nofollow" target="_blank">SDIRadio.com/credit</a>.  You’ll be very glad you did. My friends, I know that many of you, like me, think in terms not only of building for your own retirement and other financial wellbeing, but also of building financial assets that will benefit future generations.  And you know, that’s a WISE thing to do.  In fact, right there in the middle of the greatest book of wisdom ever written, the Biblical book of Proverbs, is a verse that says that one thing that wise people do is to leave an inheritance for their children’s children… their grandchildren!  That means that wise people operate with an eye on making an enduring impact on at least 3 distinct generations:  Their own, their children’s generation, and their grandchildren’s generation. If you agree with that thinking, as I do… then ask yourself:  How would it impact your decisions today, if your time frame was not merely from now until retirement, or now until the end of your life… but at least now until the end of your GRANDCHILDREN’S lives?  Wow… that’s a huge, humbling and EXCITING thought, really… because time well used is the best friend of the wise investor. Now look, I’m no expert in Hebrew, the original language of that verse in Proverbs, but in the English translation of it I’m reading, there’s no indication that the inheritance that a wise person leaves to their children’s children is or should be limited to a FINANCIAL inheritance. What other kind of inheritance is there, you might wonder?  Well I’m glad you asked, my friends!  Hehehe What’s easily more valuable than any money you could leave is the benefit of your EXPERIENCE.  Don’t just leave money or assets… leave an awareness of what those assets are… why you chose them… what alternatives you considered and rejected… what factors about that asset gave you PAUSE, even though you opted to acquire it… what standards you adopted to know how long you should hold the asset… what kind of tax or legal structuring you used for the asset… what you planned to do with the cash flow generated by the asset… how the asset compares to other investments you’ve made in the past. There’s GOLD in that kind of information, my friends… PURE GOLD. Imagine if your parents or grandparents had passed on to you a journal… or many journals… that logged their thoughts about the kinds of decisions they made with their money?  There would be SO MUCH TO LEARN… even if your forebears were NOT financially successful… still, how valuable would it be to see the formation of the decisions that led them where they ended up?  Because it was THOSE decisions that affected YOU… and those decisions reverberate to your children, your grandchildren, great-grandchildren and beyond! I feel a real passion rising up in me for this notion… the notion of financial journaling…. But it’s not really just a financial thing… it’s more like LEGACY journaling… documenting the legacy that I want to leave and that you want to leave. And all it takes is to go down to the local office supply store and spend $10 on a journal.  I guess you could do it electronically, and there’d be value to that too, I suppose.  But there’s something special, I think, about handwriting. Can you imagine what it would be like to have the accumulated wisdom of multiple generations of your family to call upon?  Something to pass from one generation to the next… something that makes your family uniquely YOUR FAMILY among all of the families in the world?  Folks, nothing is more indicative of who you are, and who your family is, then how you spend your money.  Where your treasure is… what you use your money for… THAT is where your heart is.  THAT is what’s important to you… This is important stuff, folks!  And not just for investments.  For all things financial.  What if there was a history you could look back on to see when your parents considered whether to buy a home or a car or an insurance policy or even take a big vacation… how valuable would it be to know what, exactly they considered?  IMMENSELY valuable… because you’d have the benefit of hindsight, and the ability to objectively evaluate whether their decision turned out well or not. That kind of experience is PURE GOLD, my friends… absolutely priceless.  Absolutely priceless. And what about your financial RELATIONSHIPS?  Passing on knowledge of great advisors, great bankers, great attorneys, great accountants… that kind of information… those kinds of shortcuts have value of indescribable measure. This is a practical issue, too, for those of you who are interested in building not just a portfolio, but a legacy.  That’s because, unless you restrict your investments to the most plain-jane of assets, such as stocks or mutual funds, then there will be assets in your portfolio that may be unfamiliar to your children or grandchildren such that they don’t really know how to handle them.  But by WRITING DOWN what you bought, why you bought it, and how to know when it’s time to sell, you’ll be making the job EASY for them! There’s ABSOLUTE GOLD in that kind of information… and without it, that brilliant and very successful real estate deal you get into TODAY will likely be the one that your future beneficiaries will liquidate far below real value… not because they’re vindictive or foolish or anything other than that they simply don’t understand. So, that’s it, my friends… start a financial journal today.  Go to an office supply store, spend 10 bucks on a journal, and use it!  Maybe call it a legacy journal… and write down the important decisions you make and why you make them.  Then pass that information on, and teach your family to revere it as worth far more than money, because it is. Hey, that’s all for today except for one question I have for you:  Did you find today’s show helpful?  If you DID, and if you’d enjoy more shows like this, then PLEASE do this: Tell a friend about SDI Radio, ok?  That’s the best way for us to grow.  Just tell them to stop by <a href="http://SDIRadio.com" rel="nofollow" target="_blank">SDIRadio.com</a>!  And be sure to leave your comments and questions over at today’s show notes page at <a href="http://www.SDIRadio.com/225" rel="nofollow" target="_blank">SDIRadio.com/225</a>…. I’d love to hear from you! And hey… if there’s anything you’d like to hear more about, drop me a line at <a href="mailto:feedback@sdiradio.com">feedback@sdiradio.com</a>.  My friends… invest wisely today, and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

the MOST POWERFUL Financial Tool For Legacy Building | SDIRadio.com #225

What is the single most valuable piece of advice ever given by Warren Buffett?  A lot of what he says is utterly irrelevant for you and me as Self-Directed Investors, but this bit – which you’ve probably never heard before – is absolute GOLD.  I’m Bryan Ellis.  I’ll tell you what it is RIGHT NOW in Episode #103.-----------Hello, members of SDI Nation!  I’m so glad to be back with you.Last week was TOUGH, my friends!  I had one of those summer colds that really zapped a big portion of the week, and one of the things I missed most was getting to spend this time with you!  I say that totally sincerely, folks:  I feel like the luckiest man alive to get to do this show and to have your attention for a few minutes each day… so thank you for being such great listeners.And a special shout-out is in order to a few specific listeners, who have recently left 5-star reviews for this show on iTunes.  They are:Toliver5, who just discovered the show and has already listened to over 20 episodes… thank you, sir!Ccy1189, who describes what you hear each day as “informative, inspirational and innovative!”JV Crum III who describes the show as “in a class by itself”And others including Phily M, Joel Boggess, Roy Chumley, Dr. Mark C and a whole lot more of you.  Folks, I’m so eager to share Buffett’s best advice ever, but I’d be remiss if I didn’t, with the utmost respect, ask you to consider stopping by iTunes to give this show a 5-star rating.  I’ll be so overwhelmingly grateful if you can.  Thanks so much!Ok, so you regular listeners have a sense of my opinion of Warren Buffett.  On the one hand, the guy is an overwhelmingly successful investor in the equities market.  It’s simply undeniable.  His results have created substantial influence, and there is a lot to be learned from the man’s approach to investing.  His politics are shockingly simple-minded, but it’s easy enough to separate that from financial issues for our purposes.Did you know that Buffett is a proponent of the S3 model of investing that I teach here on SDI Radio?  The S3 model is basically this:  Every single investment you make must be SIMPLE and SAFE and STRONG.  Now, Buffett doesn’t call it the S3 model… but that’s really what he’s doing.  In fact, maybe I’ll do a show that really details the striking similarities.Nevertheless, it’s not investment strategy per se that is the most valuable advice he’s ever given.  Rather, it’s the “20-slot” concept.It’s rumored that Buffett once said these words:  “I could improve your ultimate financial welfare by giving you a ticket with only 20 slots in it so that you had twenty punches - representing all the investments that you got to make in a lifetime. And once you'd punched through the card, you couldn't make any more investments at all.”Think about THAT, my friends.  Think about the ability to make an investment as a strictly limited quantity… a commodity in short supply that, once exhausted, can never be replenished.Sure, that’s not actually true… or is it?  Actually… I think the real-life version of that rule may be far more restrictive than 20 slots, and I’ll tell you why in just a moment.But what’s ABSOLUTELY true is that many self-directed investors – particularly those of us in America – have a fundamental weakness:  It’s the assumption that there will always be more.  There will be more money, or more opportunities, or more time.  There will be more economic stability, there will be more strong markets, there will be more health, there will be more days to our lives.  We believe there will always, no matter what, be more.My friends, there’s a concept that is so important in the world of self-directed investing, but nobody talks much about it.  It’s the concept of STEWARDSHIP.  In truth, that’s what I would like for this show to be – the STEWARDSHIP show.  Alas, that concept is too foreign to most.Let’s separate investing and stewardship, shall we?Investing is about one objective, and only one objective:  Taking one thing, and making it into something more.  And that is a noble, praiseworthy objective.  Never, ever will you hear me denigrate the notion of investing.  It’s a good thing, an honorable thing and a necessary thing.But stewardship is about something bigger than that.  Stewardship is a step above investing on the financial hierarchy.  Stewardship absolutely includes successful investing, no doubt about it.  Even the biblical parable of the talents shows that the 2 men who invested their talents and gained more were praised, but the one who simply protected the talent and did nothing to grow it was punished as wicked.  So, wise investing is a key part of stewardship.But there’s more to it.  It’s a different perspective – a higher perspective.  Stewardship includes a few additional considerations including: Hosted on Acast. See acast.com/privacy for more information.

What is the single most valuable piece of advice ever given by Warren Buffett?  A lot of what he says is utterly irrelevant for you and me as Self-Directed Investors, but this bit – which you’ve probably never heard before – is absolute GOLD.  I’m Bryan Ellis.  I’ll tell you what it is RIGHT NOW in Episode #103.-----------Hello, members of SDI Nation!  I’m so glad to be back with you.Last week was TOUGH, my friends!  I had one of those summer colds that really zapped a big portion of the week, and one of the things I missed most was getting to spend this time with you!  I say that totally sincerely, folks:  I feel like the luckiest man alive to get to do this show and to have your attention for a few minutes each day… so thank you for being such great listeners.And a special shout-out is in order to a few specific listeners, who have recently left 5-star reviews for this show on iTunes.  They are:Toliver5, who just discovered the show and has already listened to over 20 episodes… thank you, sir!Ccy1189, who describes what you hear each day as “informative, inspirational and innovative!”JV Crum III who describes the show as “in a class by itself”And others including Phily M, Joel Boggess, Roy Chumley, Dr. Mark C and a whole lot more of you.  Folks, I’m so eager to share Buffett’s best advice ever, but I’d be remiss if I didn’t, with the utmost respect, ask you to consider stopping by iTunes to give this show a 5-star rating.  I’ll be so overwhelmingly grateful if you can.  Thanks so much!Ok, so you regular listeners have a sense of my opinion of Warren Buffett.  On the one hand, the guy is an overwhelmingly successful investor in the equities market.  It’s simply undeniable.  His results have created substantial influence, and there is a lot to be learned from the man’s approach to investing.  His politics are shockingly simple-minded, but it’s easy enough to separate that from financial issues for our purposes.Did you know that Buffett is a proponent of the S3 model of investing that I teach here on SDI Radio?  The S3 model is basically this:  Every single investment you make must be SIMPLE and SAFE and STRONG.  Now, Buffett doesn’t call it the S3 model… but that’s really what he’s doing.  In fact, maybe I’ll do a show that really details the striking similarities.Nevertheless, it’s not investment strategy per se that is the most valuable advice he’s ever given.  Rather, it’s the “20-slot” concept.It’s rumored that Buffett once said these words:  “I could improve your ultimate financial welfare by giving you a ticket with only 20 slots in it so that you had twenty punches - representing all the investments that you got to make in a lifetime. And once you'd punched through the card, you couldn't make any more investments at all.”Think about THAT, my friends.  Think about the ability to make an investment as a strictly limited quantity… a commodity in short supply that, once exhausted, can never be replenished.Sure, that’s not actually true… or is it?  Actually… I think the real-life version of that rule may be far more restrictive than 20 slots, and I’ll tell you why in just a moment.But what’s ABSOLUTELY true is that many self-directed investors – particularly those of us in America – have a fundamental weakness:  It’s the assumption that there will always be more.  There will be more money, or more opportunities, or more time.  There will be more economic stability, there will be more strong markets, there will be more health, there will be more days to our lives.  We believe there will always, no matter what, be more.My friends, there’s a concept that is so important in the world of self-directed investing, but nobody talks much about it.  It’s the concept of STEWARDSHIP.  In truth, that’s what I would like for this show to be – the STEWARDSHIP show.  Alas, that concept is too foreign to most.Let’s separate investing and stewardship, shall we?Investing is about one objective, and only one objective:  Taking one thing, and making it into something more.  And that is a noble, praiseworthy objective.  Never, ever will you hear me denigrate the notion of investing.  It’s a good thing, an honorable thing and a necessary thing.But stewardship is about something bigger than that.  Stewardship is a step above investing on the financial hierarchy.  Stewardship absolutely includes successful investing, no doubt about it.  Even the biblical parable of the talents shows that the 2 men who invested their talents and gained more were praised, but the one who simply protected the talent and did nothing to grow it was punished as wicked.  So, wise investing is a key part of stewardship.But there’s more to it.  It’s a different perspective – a higher perspective.  Stewardship includes a few additional considerations including: Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

BUFFETT'S BEST ADVICE - And You've Never Heard It!  |  Episode 103

https://SelfDirected.org/78 Dave Ramsey says "Debt is Dumb &amp; Cash is King".  Robert Kiyosaki says there's "good debt" and there's "bad debt".  But they BOTH miss the mark... Listen in to find out how!  Text SDIRadio to 33444 for more info! Hosted on Acast. See acast.com/privacy for more information.

<a href="https://SelfDirected.org/78" rel="nofollow" target="_blank">https://SelfDirected.org/78</a> Dave Ramsey says "Debt is Dumb &amp; Cash is King".  Robert Kiyosaki says there's "good debt" and there's "bad debt".  But they BOTH miss the mark... Listen in to find out how!  Text SDIRadio to 33444 for more info! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

RAMSEY vs KIYOSAKI on Debt & Your Investments  |  Episode 78

Is there ever a time when it is NOT wise to invest your IRA money into a great real estate deal?  You may be surprised to hear it, but the answer is, without a doubt, YES!  I’ll tell you when that’s true… and give you an extraordinary alternative.  I’m Bryan Ellis.  This is Episode #233 ---- Hello, Self Directed Investor Nation!  Welcome to another exciting edition of Self Directed Investor Radio, the show by savvy investors, for savvy investors where we help you to DECLARE INDEPENDENCE from Wall Street… and help you to build wealth for generations to come. This is is Episode #233 and you know what that means… you can find the transcript and show notes for today’s episode at SDIRadio.com/233.  And if you have questions or comments, you can post them right there at SDIRadio.com/233 or you can reach out on either Twitter or Facebook at SDITalk. My friends, a few months ago, a highly esteemed publication – none other than TheStreet.com, a major news source for the whole Wall Street crowd – asked me to begin writing for them, as there’s a very clear appetite on the part of many, many “conventional” investors to look at ways to invest their capital OUTSIDE of the monster known as Wall Street. The very first article I wrote for them – called “Avoid These 5 Traps When Buying Real Estate In Self-Directed IRA’s” – was promptly awarded an editor’s choice award, which is of course, gratifying, so thank you to the editorial team at TheStreet.com.  But that article and the 5 points within it point to a reality that is somewhat foreign to many investors like me and you who, completely reasonably, see the self-directed IRA and/or 401k as the best thing since sliced bread.  That reality is that:  Sometimes, it’s a good idea to AVOID buying real estate in your self-directed IRA. Here’s why: First, it’s actually possible you’ll pay MORE in taxes by doing so.  If you’re using a Roth IRA… no problem, your tax issue is solved.  But if you’re using a traditional account, remember that when you make withdrawals, those withdrawals are taxed at INCOME TAX rates, which are frequently MUCH HIGHER than the capital gains rates you’d likely pay if you did the same deal OUTSIDE of your IRA.  This is a complex issue, and merits some professional advice. The Second complication with buying real estate in your self-directed IRA is related to LEVERAGE… also known as getting a loan to buy property.  You absolutely CAN do that within a self-directed IRA.  But it’s complicated, and it does subject your IRA to present-day taxes based on a variety of factors we won’t dive into here.  Getting a loan to buy real estate OUTSIDE of an IRA is, by comparison, a rather simple, cut-and-dry sort of thing, so remember that if leverage is key to your strategy. The Third issue is that if you buy real estate in an IRA, you no longer get the benefit of other great real estate-specific tax advantages that render the IRA less meaningful, such as depreciation and the almighty 1031 exchange.  Those two benefits alone make it worth seriously considering doing a real estate deal OUTSIDE of an IRA rather than inside of it if you have that option. The fourth big issue for buying real estate in a self-directed IRA is connected with the notion of SWEAT EQUITY… the active investor’s best friend.  You know what I’m talking about… sweat equity is the increase in property value one receives by doing work on the property yourself rather than hiring out to expensive contractors.  But with a self-directed IRA, that issue is challenging because it’s very plausible and very reasonable for the IRS to view the work you’re doing on your IRA’s houses without being paid as a contribution to the plan beyond what’s allowed, and that can cause a big heap of trouble for you should Uncle Sam decide to have a closer look at your IRA. And the fifth big issue for buying real estate inside of a self directed IRA is this:  You’ve got the freedom to hang yourself.  What I mean is that you are, almost completely, unrestricted in your moment-to-moment activities with the assets of your self-directed IRA.  That’s a good thing… freedom is wonderful, but it can be dangerous, too.  Because if you run askew of the IRS’ rules for how your self-directed IRA can be managed – and those rules are both LEGION and sometimes indecipherable – then the IRS could pin your account with the dreaded “prohibited transaction” label which… in one way of looking at it… probably means that somewhere between half and all of the value of your IRA just went out the door to taxes, penalties and interest because the IRS is NOT PLAYING AROUND on this prohibited transactions thing. That all sounds rather ominous, doesn’t’ it?  Well… it is.  But only if you’re not well prepared for what you’re attempting to do. You see, it IS both legal and frequently wise to buy real estate in an IRA.  But there is a generalization that I’d like to recommend to you, which is: For any given real estate transaction, if you have the option whether to perform he deal EITHER inside OR outside the IRA, my recommendation is that you default to skipping the IRA and do the deal with non-retirement funds.  You’ve heard 5 reasons why so far, but here’s the really big one: Real estate is, as a legal, statutory matter, extremely tax-favored by the law… much more so than practically any other asset class… certainly more so than stocks.  What I mean is that, even without the benefit of a self-directed IRA, the tax laws are so kind to real estate investors who plan properly that you may actually end up doing BETTER for yourself financially by focusing on the two tax goldmines that exist for real estate investors, which are DEPRECIATION and the 1031 exchange. Depreciation is a tax strategy that allows many investors to take more in tax deductions than they’ve actually spent.  So it’s a great income tax shelter if you qualify for it. The 1031 exchange is another marvel of real estate tax law that, in a nutshell, allows you to buy a property, let it blow up in value and become very profitable, and then sell very profitably and pay no tax… as long as you immediately re-invest your proceeds of sale into some other real estate deal.  It’s a way to get the same type of tax deferral that traditional IRA’s offer… but without the threat of prohibited transactions or other risks that are inherent to self-directed IRAs. But I have one other parting bit of advice for you as well:  Don’t avoid a great real estate deal just because your IRA is the only place where you can fund the deal.  Absolutely not.  I’m NOT telling you that you should NEVER buy real estate in your IRA… only that you should be biased against doing so if you have other alternatives. And, of course, you need to speak with your own tax counsel about this.  The truth is I know MANY, MANY people who have very successfully navigated the requirements of owning real estate in their retirement accounts… and are very glad they did so. And, by the way… if you are looking for a GREAT real estate investment… I’ve got some thoughts for you on that, too!  Just text the word SENDBOOK to 44222 to get a free copy of our latest ebook called the SDI Guide To Real Estate Wealth for Busy Investors where you’ll learn how to build a high-quality portfolio of turnkey rental properties that build your cash flow – and your wealth – without your day-to-day involvement… just like it should be for busy investors like you!  Again, just go ahead and text SENDBOOK with no spaces, just one word, to 44222 right now. Folks, I hope you had a very merry Christmas or are enjoying a happy Hanukkah.  The coming year is going to be an exciting, exciting time for all of us, and for now, I leave you with this bit of advice… invest wisely today, and live well forever! Hosted on Acast. See acast.com/privacy for more information.

Is there ever a time when it is NOT wise to invest your IRA money into a great real estate deal?  You may be surprised to hear it, but the answer is, without a doubt, YES!  I’ll tell you when that’s true… and give you an extraordinary alternative.  I’m Bryan Ellis.  This is Episode #233 ---- Hello, Self Directed Investor Nation!  Welcome to another exciting edition of <a href="http://www.SDITalk.com" rel="nofollow" target="_blank">Self Directed Investor Radio</a>, the show by savvy investors, for savvy investors where we help you to DECLARE INDEPENDENCE from Wall Street… and help you to build wealth for generations to come. This is is Episode #233 and you know what that means… you can find the transcript and show notes for today’s episode at <a href="http://SDIRadio.com/233" rel="nofollow" target="_blank">SDIRadio.com/233</a>.  And if you have questions or comments, you can post them right there at <a href="http://SDIRadio.com/233" rel="nofollow" target="_blank">SDIRadio.com/233</a> or you can reach out on either <a href="http://www.Twitter.com/sditalk" rel="nofollow" target="_blank">Twitter</a> or <a href="http://www.Facebook.com/sditalk" rel="nofollow" target="_blank">Facebook</a> at SDITalk. My friends, a few months ago, a highly esteemed publication – none other than <a href="http://TheStreet.com" rel="nofollow" target="_blank">TheStreet.com</a>, a major news source for the whole Wall Street crowd – asked me to begin writing for them, as there’s a very clear appetite on the part of many, many “conventional” investors to look at ways to invest their capital OUTSIDE of the monster known as Wall Street. The very first article I wrote for them – called “<a href="https://www.thestreet.com/story/13625516/1/avoid-these-5-traps-when-buying-real-estate-in-self-directed-iras.html" rel="nofollow" target="_blank">Avoid These 5 Traps When Buying Real Estate In Self-Directed IRA’s</a>” – was promptly awarded an editor’s choice award, which is of course, gratifying, so thank you to the editorial team at <a href="http://TheStreet.com" rel="nofollow" target="_blank">TheStreet.com</a>.  But that article and the 5 points within it point to a reality that is somewhat foreign to many investors like me and you who, completely reasonably, see the self-directed IRA and/or 401k as the best thing since sliced bread.  That reality is that:  Sometimes, it’s a good idea to AVOID buying real estate in your self-directed IRA. Here’s why: First, it’s actually possible you’ll pay MORE in taxes by doing so.  If you’re using a Roth IRA… no problem, your tax issue is solved.  But if you’re using a traditional account, remember that when you make withdrawals, those withdrawals are taxed at INCOME TAX rates, which are frequently MUCH HIGHER than the capital gains rates you’d likely pay if you did the same deal OUTSIDE of your IRA.  This is a complex issue, and merits some professional advice. The Second complication with buying real estate in your self-directed IRA is related to LEVERAGE… also known as getting a loan to buy property.  You absolutely CAN do that within a self-directed IRA.  But it’s complicated, and it does subject your IRA to present-day taxes based on a variety of factors we won’t dive into here.  Getting a loan to buy real estate OUTSIDE of an IRA is, by comparison, a rather simple, cut-and-dry sort of thing, so remember that if leverage is key to your strategy. The Third issue is that if you buy real estate in an IRA, you no longer get the benefit of other great real estate-specific tax advantages that render the IRA less meaningful, such as depreciation and the almighty 1031 exchange.  Those two benefits alone make it worth seriously considering doing a real estate deal OUTSIDE of an IRA rather than inside of it if you have that option. The fourth big issue for buying real estate in a self-directed IRA is connected with the notion of SWEAT EQUITY… the active investor’s best friend.  You know what I’m talking about… sweat equity is the increase in property value one receives by doing work on the property yourself rather than hiring out to expensive contractors.  But with a self-directed IRA, that issue is challenging because it’s very plausible and very reasonable for the IRS to view the work you’re doing on your IRA’s houses without being paid as a contribution to the plan beyond what’s allowed, and that can cause a big heap of trouble for you should Uncle Sam decide to have a closer look at your IRA. And the fifth big issue for buying real estate inside of a self directed IRA is this:  You’ve got the freedom to hang yourself.  What I mean is that you are, almost completely, unrestricted in your moment-to-moment activities with the assets of your self-directed IRA.  That’s a good thing… freedom is wonderful, but it can be dangerous, too.  Because if you run askew of the IRS’ rules for how your self-directed IRA can be managed – and those rules are both LEGION and sometimes indecipherable – then the IRS could pin your account with the dreaded “prohibited transaction” label which… in one way of looking at it… probably means that somewhere between half and all of the value of your IRA just went out the door to taxes, penalties and interest because the IRS is NOT PLAYING AROUND on this prohibited transactions thing. That all sounds rather ominous, doesn’t’ it?  Well… it is.  But only if you’re not well prepared for what you’re attempting to do. You see, it IS both legal and frequently wise to buy real estate in an IRA.  But there is a generalization that I’d like to recommend to you, which is: For any given real estate transaction, if you have the option whether to perform he deal EITHER inside OR outside the IRA, my recommendation is that you default to skipping the IRA and do the deal with non-retirement funds.  You’ve heard 5 reasons why so far, but here’s the really big one: Real estate is, as a legal, statutory matter, extremely tax-favored by the law… much more so than practically any other asset class… certainly more so than stocks.  What I mean is that, even without the benefit of a self-directed IRA, the tax laws are so kind to real estate investors who plan properly that you may actually end up doing BETTER for yourself financially by focusing on the two tax goldmines that exist for real estate investors, which are DEPRECIATION and the 1031 exchange. Depreciation is a tax strategy that allows many investors to take more in tax deductions than they’ve actually spent.  So it’s a great income tax shelter if you qualify for it. The 1031 exchange is another marvel of real estate tax law that, in a nutshell, allows you to buy a property, let it blow up in value and become very profitable, and then sell very profitably and pay no tax… as long as you immediately re-invest your proceeds of sale into some other real estate deal.  It’s a way to get the same type of tax deferral that traditional IRA’s offer… but without the threat of prohibited transactions or other risks that are inherent to self-directed IRAs. But I have one other parting bit of advice for you as well:  Don’t avoid a great real estate deal just because your IRA is the only place where you can fund the deal.  Absolutely not.  I’m NOT telling you that you should NEVER buy real estate in your IRA… only that you should be biased against doing so if you have other alternatives. And, of course, you need to speak with your own tax counsel about this.  The truth is I know MANY, MANY people who have very successfully navigated the requirements of owning real estate in their retirement accounts… and are very glad they did so. And, by the way… if you are looking for a GREAT real estate investment… I’ve got some thoughts for you on that, too!  Just text the word SENDBOOK to 44222 to get a free copy of our latest ebook called the SDI Guide To Real Estate Wealth for Busy Investors where you’ll learn how to build a high-quality portfolio of turnkey rental properties that build your cash flow – and your wealth – without your day-to-day involvement… just like it should be for busy investors like you!  Again, just go ahead and text SENDBOOK with no spaces, just one word, to 44222 right now. Folks, I hope you had a very merry Christmas or are enjoying a happy Hanukkah.  The coming year is going to be an exciting, exciting time for all of us, and for now, I leave you with this bit of advice… invest wisely today, and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

Why You Should NOT Buy Real Estate In Your IRA | SDIRadio.com #233

What’s the better investment:  Rental Property or Flipping?  Well, the verdict is in from a major real estate data firm.  I’m Bryan Ellis.  I’ll tell you what that verdict is, and it’s relevance for you, RIGHT NOW in Episode #98…----------Ahhhh yes… it’s a classic conflict among investors…  Take a small bit of cash flow now and for years as a pacifier while you wait for big gains… or get in for the quick but substantial hit of profit by focusing on undervalued assets. Yes, my friends, it’s the constant debate of whether it’s smarter to RENT PROPERTY or to FLIP IT.  And our friends at CoreLogic have the answer, which is:  real estate FLIPPING is definitely winning the day versus rentals.And why wouldn’t that be true in today’s market?  Real estate prices in much of the country is still undergoing a rather substantial rebound from the market carnage of 2007-2009… frankly, it’s the perfect scenario for real estate flipping, as the market itself is doing much of the work of bringing a profit for flippers.Still, there’s more to the story.  This survey was conducted among investors purchasing real estate at auction… both in live auction settings and in online auctions.  And there were 3 different types of buyers identified in the survey:  One-time buyers, Real Estate Investors, and agents or representatives of investors.One-time buyers is the only group who preferred renting to flipping.  It’s easy to see why:  One-time buyers are inherently low-volume in terms of real estate transactions and frankly, it’s not plausible to be a flipper if you’re only doing it every now and then.  That particular method of profiting from real estate doesn’t lend itself well to the casual investor.But to those professionals and serious flippers… this market remains a truly stellar environment in which to generate rather substantial short-term profits.  I guess that’s why, among real estate investors and those who represent them at auctions, the Flip vs Rental option is won by the flippers by a differential that, if it was a presidential election, would be a landslide.There’s one large generalization that can be drawn from this study, and it is:The MORE PROPERTIES a person tends to buy in a year, the more likely they are to be real estate flippers rather than buy-and-hold investors.  In fact, people who buy zero or one property per year are more likely to be landlords by a factor of about 60 to 40.  But that ratio reverses almost exactly the very moment a person buys their second property.But overall, one thing is clear:  Flipping is where the most money is being deployed among savvy, active real estate investors… and by a very, very wide margin.Why?It’s simple – there’s a lot of money in flipping.  That’s not always the case.  Look… I have a team of flippers that does GREAT work and are able to make profits in good times and bad times but, the truth is, sometimes it’s just EASIER to make money as a flipper than it is at other times.  And right now – and I expect for at least another 2-3 years – flipping is in a real sweet spot.The best evidence of that is NOT the CoreLogic report, which is just a survey that people say what they “intend” to do.  The best evidence is the RealtyTrac report that analyzes quarterly real estate flipping activity.  That report shows what actually happened… not just intentions.  And that report shows some really amazing numbers:First, it showed that the average GROSS profit for real estate flips that closed in Q1 of this year was over $72,000.  Second, and just as importantly, it showed that the gross profit margin – sell price versus buy price – was over 35%.  That means that it wasn’t mega-mansions that led to $72,000 average gross profits, but houses in the $100,000-$300,000 range… a much more palatable scale for most investors.But all of that is nebulous and imprecise… the result of studies, and not specific deals.  So let’s look at some specific deals to see what’s REALLY going on out there.My Flip team closes 1-3 flips basically every week.  One of the deals we closed last week, Barcelona Lane in Maricopa, Arizona, yielded rather typical results for my guys.  That deal had gross numbers that absolutely exceeded the average gross profit and gross ROI numbers reported by RealtyTrac.  But those are gross numbers, not net.  The numbers that really matter on the Barcelona deal are these:This deal was completed in 4 months – almost to the day.  And it returned a total NET cash-on-cash return of 29.6%.While this kind of result is far from atypical for my flip team, let’s face it… that’s an astounding result.  If you got that result from investing in the S&amp;P 500, that would be one of the 10 best years the stock market has ever seen.  But that result is, thankfully, rather common for my flip team.My point is this:  There’s a HUGE amount of opportunity in flipping, but I do have a warning for you:  Don’t try this at home.  Flipping isn’t a game for amateurs.  Flipping is a real profession.  It requires a lot of knowledge.  It requires having highly reliable team members to do the work.  It requires having a real system in place to produce consistent profit.  Most of all, it takes experience to know which deals really make sense, and which are ticking time bombs, just waiting to wreak havoc on your portfolio.But you should NOT overlook the opportunity to get involved in real estate flipping… just not on your own.  My advice?  Work with somebody who has done HUNDREDS or THOUSANDS of these deals… don’t bite the bullet on your own.  Better yet… work with someone who has that level of experience, and who will agree to compensation based on a percentage of the profits rather than contractor fees.Where can you find such a team with vast experience and the ability to work with 3rd party investors such as yourself?The answer is simple:  Go over to S3Flip.com and I’ll tell you about a team who has done this a HUGE number of times… with an ASTOUNDING track record of success.  Did you know that my team in Arizona has bought over 13,000 houses at the foreclosure auctions?  We know what we’re doing… and have a vast amount of evidence to prove it.  So stop by S3Flip.com to check it out. Look, this isn’t just me telling you about my flip team.  This is PRESENT DAY REALITY, my friends.  A huge part of my goal for this show is to connect you – the Self-Directed Investor – with great options for self-directing your investment portfolio.  The answer to “what’s working now” is not always the same.  Flipping is not always the best choice.  Right now, it makes a huge amount of sense.And so in just a few weeks, I’m holding a live event in Phoenix called the Passive Property Flipping Summit, where I’ll gather investors together who see the promise of “Outsourced Flipping” – where you provide the capital but have no other responsibilities – and I’ll introduce you to my team, help you to understand our process, and show you how to participate in this very lucrative opportunity, without having to be a real estate flipper yourself.So if you’re interested, stop by at S3Flip.com because my friends, flipping is what’s working now.  Not only does the survey from CoreLogic show that that’s where smart money is being deployed, but the analysis of over 17,000 flips done in Q1 of this year by RealtyTrac show the numbers undeniably:  There’s very big opportunity in flipping right now… and the absolute best way for you to be connected to it is to see the “Outsource Property Flipper” training over at S3Flip.comOh… if you’re qualified to attend – which means you’ve got at least $75,000 of liquid capital to deploy – then the Passive Property Flipping Summit is free for you to attend.  But it’s basically full already.  I’m down to 15% capacity.  So check it out right now if you’re interested at S3Flip.com.My friends… invest wisely today… and live well forever! Hosted on Acast. See acast.com/privacy for more information.

What’s the better investment:  Rental Property or Flipping?  Well, the verdict is in from a major real estate data firm.  I’m Bryan Ellis.  I’ll tell you what that verdict is, and it’s relevance for you, RIGHT NOW in Episode #98…----------Ahhhh yes… it’s a classic conflict among investors…  Take a small bit of cash flow now and for years as a pacifier while you wait for big gains… or get in for the quick but substantial hit of profit by focusing on undervalued assets. Yes, my friends, it’s the constant debate of whether it’s smarter to RENT PROPERTY or to FLIP IT.  And our friends at CoreLogic have the answer, which is:  real estate FLIPPING is definitely winning the day versus rentals.And why wouldn’t that be true in today’s market?  Real estate prices in much of the country is still undergoing a rather substantial rebound from the market carnage of 2007-2009… frankly, it’s the perfect scenario for real estate flipping, as the market itself is doing much of the work of bringing a profit for flippers.Still, there’s more to the story.  This survey was conducted among investors purchasing real estate at auction… both in live auction settings and in online auctions.  And there were 3 different types of buyers identified in the survey:  One-time buyers, Real Estate Investors, and agents or representatives of investors.One-time buyers is the only group who preferred renting to flipping.  It’s easy to see why:  One-time buyers are inherently low-volume in terms of real estate transactions and frankly, it’s not plausible to be a flipper if you’re only doing it every now and then.  That particular method of profiting from real estate doesn’t lend itself well to the casual investor.But to those professionals and serious flippers… this market remains a truly stellar environment in which to generate rather substantial short-term profits.  I guess that’s why, among real estate investors and those who represent them at auctions, the Flip vs Rental option is won by the flippers by a differential that, if it was a presidential election, would be a landslide.There’s one large generalization that can be drawn from this study, and it is:The MORE PROPERTIES a person tends to buy in a year, the more likely they are to be real estate flippers rather than buy-and-hold investors.  In fact, people who buy zero or one property per year are more likely to be landlords by a factor of about 60 to 40.  But that ratio reverses almost exactly the very moment a person buys their second property.But overall, one thing is clear:  Flipping is where the most money is being deployed among savvy, active real estate investors… and by a very, very wide margin.Why?It’s simple – there’s a lot of money in flipping.  That’s not always the case.  Look… I have a team of flippers that does GREAT work and are able to make profits in good times and bad times but, the truth is, sometimes it’s just EASIER to make money as a flipper than it is at other times.  And right now – and I expect for at least another 2-3 years – flipping is in a real sweet spot.The best evidence of that is NOT the CoreLogic report, which is just a survey that people say what they “intend” to do.  The best evidence is the RealtyTrac report that analyzes quarterly real estate flipping activity.  That report shows what actually happened… not just intentions.  And that report shows some really amazing numbers:First, it showed that the average GROSS profit for real estate flips that closed in Q1 of this year was over $72,000.  Second, and just as importantly, it showed that the gross profit margin – sell price versus buy price – was over 35%.  That means that it wasn’t mega-mansions that led to $72,000 average gross profits, but houses in the $100,000-$300,000 range… a much more palatable scale for most investors.But all of that is nebulous and imprecise… the result of studies, and not specific deals.  So let’s look at some specific deals to see what’s REALLY going on out there.My Flip team closes 1-3 flips basically every week.  One of the deals we closed last week, Barcelona Lane in Maricopa, Arizona, yielded rather typical results for my guys.  That deal had gross numbers that absolutely exceeded the average gross profit and gross ROI numbers reported by RealtyTrac.  But those are gross numbers, not net.  The numbers that really matter on the Barcelona deal are these:This deal was completed in 4 months – almost to the day.  And it returned a total NET cash-on-cash return of 29.6%.While this kind of result is far from atypical for my flip team, let’s face it… that’s an astounding result.  If you got that result from investing in the S&amp;P 500, that would be one of the 10 best years the stock market has ever seen.  But that result is, thankfully, rather common for my flip team.My point is this:  There’s a HUGE amount of opportunity in flipping, but I do have a warning for you:  Don’t try this at home.  Flipping isn’t a game for amateurs.  Flipping is a real profession.  It requires a lot of knowledge.  It requires having highly reliable team members to do the work.  It requires having a real system in place to produce consistent profit.  Most of all, it takes experience to know which deals really make sense, and which are ticking time bombs, just waiting to wreak havoc on your portfolio.But you should NOT overlook the opportunity to get involved in real estate flipping… just not on your own.  My advice?  Work with somebody who has done HUNDREDS or THOUSANDS of these deals… don’t bite the bullet on your own.  Better yet… work with someone who has that level of experience, and who will agree to compensation based on a percentage of the profits rather than contractor fees.Where can you find such a team with vast experience and the ability to work with 3rd party investors such as yourself?The answer is simple:  Go over to <a href="http://www.S3Flip.com" rel="nofollow" target="_blank">S3Flip.com</a> and I’ll tell you about a team who has done this a HUGE number of times… with an ASTOUNDING track record of success.  Did you know that my team in Arizona has bought over 13,000 houses at the foreclosure auctions?  We know what we’re doing… and have a vast amount of evidence to prove it.  So stop by <a href="http://www.S3Flip.com" rel="nofollow" target="_blank">S3Flip.com</a> to check it out. Look, this isn’t just me telling you about my flip team.  This is PRESENT DAY REALITY, my friends.  A huge part of my goal for this show is to connect you – the Self-Directed Investor – with great options for self-directing your investment portfolio.  The answer to “what’s working now” is not always the same.  Flipping is not always the best choice.  Right now, it makes a huge amount of sense.And so in just a few weeks, I’m holding a live event in Phoenix called the Passive Property Flipping Summit, where I’ll gather investors together who see the promise of “Outsourced Flipping” – where you provide the capital but have no other responsibilities – and I’ll introduce you to my team, help you to understand our process, and show you how to participate in this very lucrative opportunity, without having to be a real estate flipper yourself.So if you’re interested, stop by at <a href="http://www.S3Flip.com" rel="nofollow" target="_blank">S3Flip.com</a> because my friends, flipping is what’s working now.  Not only does the survey from CoreLogic show that that’s where smart money is being deployed, but the analysis of over 17,000 flips done in Q1 of this year by RealtyTrac show the numbers undeniably:  There’s very big opportunity in flipping right now… and the absolute best way for you to be connected to it is to see the “Outsource Property Flipper” training over at <a href="http://www.S3Flip.com" rel="nofollow" target="_blank">S3Flip.com</a>Oh… if you’re qualified to attend – which means you’ve got at least $75,000 of liquid capital to deploy – then the Passive Property Flipping Summit is free for you to attend.  But it’s basically full already.  I’m down to 15% capacity.  So check it out right now if you’re interested at <a href="http://www.S3Flip.com" rel="nofollow" target="_blank">S3Flip.com</a>.My friends… invest wisely today… and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

BETTER:  Renting Or Flipping?  |  Episode 98

https://SDITalk.com/300 -- Yes, it’s true: Rental property investing in your IRA or 401k can make you very, very wealthy. It’s also true that it’s stressful and time consuming to be a landlord, and financially risky to do so within the confines of the IRS’ strict rules for retirement accounts. Fortunately for you, I have the answer. I’m Bryan Ellis. This is episode #300 of Self-Directed Investor Talk. Hosted on Acast. See acast.com/privacy for more information.

<a href="https://SDITalk.com/300" rel="nofollow" target="_blank">https://SDITalk.com/300</a> -- Yes, it’s true: Rental property investing in your <a href="https://SelfDirected.org/ira" rel="nofollow" target="_blank">IRA</a> or <a href="https://SelfDirected.org/solo-401k" rel="nofollow" target="_blank">401k</a> can make you very, very wealthy. It’s also true that it’s stressful and time consuming to be a landlord, and financially risky to do so within the confines of the IRS’ strict rules for retirement accounts. Fortunately for you, I have the answer. I’m <a href="https://SelfDirected.org/bryan-ellis" rel="nofollow" target="_blank">Bryan Ellis</a>. This is episode #300 of <a href="https://SelfDirected.org/investor-talk" rel="nofollow" target="_blank">Self-Directed Investor Talk</a>. Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

Real Estate:  The Ideal IRA Investment  |  SDITalk.com #300

Want to make 15% EVERY SINGLE YEAR?  No Way... Unless you've created an S3-Model (Simple, Safe &amp; Strong) Portfolio Like THIS BRILLIANT INVESTOR... and your fellow listener to SDI Radio!  For more info, text SDIRadio to 33444 now! Hosted on Acast. See acast.com/privacy for more information.

Want to make 15% EVERY SINGLE YEAR?  No Way... Unless you've created an S3-Model (Simple, Safe &amp; Strong) Portfolio Like THIS BRILLIANT INVESTOR... and your fellow listener to SDI Radio!  For more info, text SDIRadio to 33444 now! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

INSPIRING:  How to Make 15% EVERY SINGLE YEAR -  Here's an AWESOME "S3" (Simple, Safe, Strong) Portfolio In REAL LIFE  |  Episode 68

Want a quick tip for saving a TON of taxes if you own real estate in a traditional self-directed IRA?   I’ve got just the thing for you now.  I’m Bryan Ellis.  This is Episode #236. ---- Hello, SDI Nation!  Welcome to the podcast of record for savvy self-directed investors like YOU where you are educated, entertained and even INSPIRED to DECLARE INDEPENDENCE from Wall Street… Our goal here is to help you find, understand and PROFIT from the very best alternative assets that money can buy. I’ve got some more tax-saving goodness for you real estate investors who use your Traditional IRA to own real estate. But before we go there… have you checked out SDITalk.com/credit?  That’s where you’re going to learn how to get up to around $250,000 of ZERO-INTEREST capital for your investments or your business.  You know those credit cards that offer a zero percent introductory offer?  Well imagine you could do that… but you could extend the “introductory” period out indefinitely.  That’s what you’ll learn how to do at SDITalk.com/credit.  They’ve set up over $2 million of zero-interest funding for your fellow listeners just since October – you know, during the past 3 months – and more than $4.1 Million in the past year, so this is for real.  Check them out at SDITalk.com/credit. Now onward, my friends… So, let’s just imagine you’re one of the MANY folks who owns real estate in your IRA.  Actually… I’ve got the perfect context for a story to explain this to you. We’re currently doing some research to check out the background of a company who has a unique angle on the turnkey rental property business.  What these people do is work with investors who want to buy a RETIREMENT HOME for themselves in their IRA in a nice location.  So what this company does is basically puts all of that together for the investor, and then monetizes the property for the owner in the form of corporate rentals.  So what you have is high quality tenants who are paying a premium rental rate, and who are likely to take really good care of the property… and then when the time comes for your retirement, you’ve got a home that you can live in, paid for by your IRA! Well, there’s just one little hitch with that. You can’t live in that house until it’s not in your IRA any more.  For it not to be in your IRA any more, it has to be distributed to you, in other words, removed from your IRA. And as soon as that happens, guess what?  You guessed it:  Taxes.  You get to pay income tax rates on the ENTIRE value of the house.  So if it’s worth $200,000 and you’re in the 30% effective tax bracket, you’ll have to come up with $60,000 just to cover the income tax due to you. Ouch.  Hey… that’s the reality… the traditional IRA is just a tool for tax deferral, not a tool for tax elimination. HOWEVER… there is something that can be done quite easily to substantially reduce that tax burden, and I will, of course, share this bit of tax brilliance with you… originally taught to me by the great one, Tim Berry, America’s top self-directed IRA attorney. So we’ve already agreed this house is worth $200,000, right? What is half of that house worth?  $100,000? Well… no, it’s not.  What can you do with ½ ownership of a house?  Maybe you’re entitled to half of the income it generates.  You’re entitled to half of the income if it’s sold.  But do you actually own the house if you o nly own half the house?  No, you don’t.  You can’t independently decide to rent it or to renovate it or the sell it or anything else like that.  You’ve got to get the OK of the other owner, too. So it’s safe to say – and is an accepted truth in tax law that our friends at the IRS would agree with – the value of half (or any proportion) of an asset is LESS than the value of half of the whole thing… and that makes perfect sense. So here’s the play: Instead of distributing the house to yourself from your IRA, distribute HALF of the house to yourself from your IRA, and then the other half at some time in the future… maybe the next day, maybe the next tax year, that’s a question for your tax advisor. But the net effect is this:  You’re ultimately receiving 100% ownership of the property, but you’re doing it in such a way that the value of the property is reduced by some factor – probably around 25% - because you’re taking it out in PIECES, which are each inherently less valuable than the whole. So that means your $60,000 tax bill just dropped by 25%... or $15,000. There, you just save $15,000 by listening to Self Directed Investor Talk.  You’re welcome!   Actually, THANK YOU!  Thank you for listening to SDI Talk.  I really appreciate you. Remember – today’s show notes page is at SDITalk.com/236.  You might check it out… it’s a totally new format that I think you’re going to find incredibly helpful. And before I let you go… We’ve got some GREAT turnkey rental property investment opportunities in several cities throughout the country, and I know MANY of you are interested in that asset class, as well you should be.  BUT… There are 7 key questions you need to make sure that you answer before you buy your first (or your next) turnkey rental property, and after you answer them, you’ve basically assured yourself of an excellent transaction.  To learn more just call my free recorded message line at (773) TURNKEY.  It’s only 2 minutes long, and nobody will answer the phone, it’s just a recording, but I think you’ll really benefit from the information.  That’s (773) TURNKEY. My friends, thank you for listening in today!  Please, spread the word about SDI Talk and remember:  Invest wisely today and live well forever! Hosted on Acast. See acast.com/privacy for more information.

Want a quick tip for saving a TON of taxes if you own real estate in a traditional self-directed IRA?   I’ve got just the thing for you now.  I’m Bryan Ellis.  This is <a href="http://selfdirectedinvestortalk.com/236" rel="nofollow" target="_blank">Episode #236</a>. ---- Hello, <a href="http://selfdirectedinvestortalk.com/" rel="nofollow" target="_blank">SDI Nation</a>!  Welcome to the podcast of record for savvy self-directed investors like YOU where you are educated, entertained and even INSPIRED to DECLARE INDEPENDENCE from Wall Street… Our goal here is to help you find, understand and PROFIT from the very best alternative assets that money can buy. I’ve got some more tax-saving goodness for you real estate investors who use your <a href="http://selfdirectedinvestorsociety.org/ira/traditional" rel="nofollow" target="_blank">Traditional IRA</a> to own real estate. But before we go there… have you checked out <a href="http://selfdirectedinvestortalk.com/credit" rel="nofollow" target="_blank">SDITalk.com/credit</a>?  That’s where you’re going to learn how to get up to around $250,000 of ZERO-INTEREST capital for your investments or your business.  You know those credit cards that offer a zero percent introductory offer?  Well imagine you could do that… but you could extend the “introductory” period out indefinitely.  That’s what you’ll learn how to do at <a href="http://selfdirectedinvestortalk.com/credit" rel="nofollow" target="_blank">SDITalk.com/credit</a>.  They’ve set up over $2 million of zero-interest funding for your fellow listeners just since October – you know, during the past 3 months – and more than $4.1 Million in the past year, so this is for real.  Check them out at <a href="http://selfdirectedinvestortalk.com/credit" rel="nofollow" target="_blank">SDITalk.com/credit</a>. Now onward, my friends… So, let’s just imagine you’re one of the MANY folks who owns <a href="http://selfdirectedinvestorsociety.org/ira/real-estate" rel="nofollow" target="_blank">real estate in your IRA</a>.  Actually… I’ve got the perfect context for a story to explain this to you. We’re currently doing some research to check out the background of a company who has a unique angle on the <a href="http://selfdirectedinvestorsociety.org/turnkey-rental-property" rel="nofollow" target="_blank">turnkey rental property</a> business.  What these people do is work with investors who want to buy a RETIREMENT HOME for themselves in their IRA in a nice location.  So what this company does is basically puts all of that together for the investor, and then monetizes the property for the owner in the form of corporate rentals.  So what you have is high quality tenants who are paying a premium rental rate, and who are likely to take really good care of the property… and then when the time comes for your retirement, you’ve got a home that you can live in, paid for by your IRA! Well, there’s just one little hitch with that. You can’t live in that house until it’s not in your IRA any more.  For it not to be in your IRA any more, it has to be distributed to you, in other words, removed from your IRA. And as soon as that happens, guess what?  You guessed it:  Taxes.  You get to pay income tax rates on the ENTIRE value of the house.  So if it’s worth $200,000 and you’re in the 30% effective tax bracket, you’ll have to come up with $60,000 just to cover the income tax due to you. Ouch.  Hey… that’s the reality… the traditional IRA is just a tool for tax deferral, not a tool for tax elimination. HOWEVER… there is something that can be done quite easily to substantially reduce that tax burden, and I will, of course, share this bit of tax brilliance with you… originally taught to me by the great one, <a href="http://iraideas.com/" rel="nofollow" target="_blank">Tim Berry, America’s top self-directed IRA attorney</a>. So we’ve already agreed this house is worth $200,000, right? What is half of that house worth?  $100,000? Well… no, it’s not.  What can you do with ½ ownership of a house?  Maybe you’re entitled to half of the income it generates.  You’re entitled to half of the income if it’s sold.  But do you actually own the house if you o nly own half the house?  No, you don’t.  You can’t independently decide to rent it or to renovate it or the sell it or anything else like that.  You’ve got to get the OK of the other owner, too. So it’s safe to say – and is an accepted truth in tax law that our friends at the <a href="http://irs.gov/" rel="nofollow" target="_blank">IRS</a> would agree with – the value of half (or any proportion) of an asset is LESS than the value of half of the whole thing… and that makes perfect sense. So here’s the play: Instead of distributing the house to yourself from your IRA, distribute HALF of the house to yourself from your IRA, and then the other half at some time in the future… maybe the next day, maybe the next tax year, that’s a question for your tax advisor. But the net effect is this:  You’re ultimately receiving 100% ownership of the property, but you’re doing it in such a way that the value of the property is reduced by some factor – probably around 25% - because you’re taking it out in PIECES, which are each inherently less valuable than the whole. So that means your $60,000 tax bill just dropped by 25%... or $15,000. There, you just save $15,000 by listening to <a href="http://selfdirectedinvestortalk.com/" rel="nofollow" target="_blank">Self Directed Investor Talk</a>.  You’re welcome!  Actually, THANK YOU!  Thank you for listening to <a href="http://selfdirectedinvestortalk.com/" rel="nofollow" target="_blank">SDI Talk</a>.  I really appreciate you. Remember – today’s show notes page is at <a href="http://selfdirectedinvestortalk.com/236" rel="nofollow" target="_blank">SDITalk.com/236</a>.  You might check it out… it’s a totally new format that I think you’re going to find incredibly helpful. And before I let you go… We’ve got some GREAT turnkey rental property investment opportunities in several cities throughout the country, and I know MANY of you are interested in that asset class, as well you should be.  BUT… There are 7 key questions you need to make sure that you answer before you buy your first (or your next) turnkey rental property, and after you answer them, you’ve basically assured yourself of an excellent transaction.  To learn more just call my free recorded message line at (773) TURNKEY.  It’s only 2 minutes long, and nobody will answer the phone, it’s just a recording, but I think you’ll really benefit from the information.  That’s (773) TURNKEY. My friends, thank you for listening in today!  Please, spread the word about SDI Talk and remember:  Invest wisely today and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

Own Real Estate In A Traditional IRA? Slash Your Taxes THIS WAY! | SDITalk.com/236

WHAT?  Can you believe it?  Bryan says there IS a time you should invest in Real Estate Rentals rather than Real Estate Notes - but only under THIS circumstances (listen now!) Hosted on Acast. See acast.com/privacy for more information.

WHAT?  Can you believe it?  Bryan says there IS a time you should invest in Real Estate Rentals rather than Real Estate Notes - but only under THIS circumstances (listen now!) Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

SDI 047:  CAUTION!  Why Rental Property should NEVER Be The Foundation Of Your Portfolio

Episode #258: Traditional vs Roth IRA https://SelfDirected.org/podcast/investor-talk/episode-258 Hosted on Acast. See acast.com/privacy for more information.

Episode #258: Traditional vs Roth IRA <a href="https://SelfDirected.org/podcast/investor-talk/episode-258" rel="nofollow" target="_blank">https://SelfDirected.org/podcast/investor-talk/episode-258</a> Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

258E: Traditional vs Roth IRA | Episode #258E

How would you like to own a certificate of deposit with returns that actually BEAT the stock market?  Something so reliable that it’s a great way to invest that part of your portfolio that you absolutely can not afford to lose… yet you still get a great return?  Well, I’ve got something even better, and I’ll tell you all about it RIGHT NOW.  I’m Bryan Ellis, and this is Episode #111---------Hello, SDI Nation!  Welcome to the podcast of record for smart, individual investors!I didn’t get to be with you on Friday, and I really missed that!  But boy did I have a great time with some of your colleagues and fellow listeners at our Passive Property Flipping Summit.  That event was for affluent investors seeking to deploy their capital into passive real estate flipping opportunities, and it was an extraordinary experience.  The event filled up many weeks ahead of time and it was just truly wonderful to actually meet so many of you face-to-face!My friends, I’ve got some great info to share, and I’ll get to that in about 30 seconds.  But first, let me say THANK YOU for listening!  This podcast is only about 6 months old and it’s already a major force to be reckoned with because of YOU.  It’s astounding how many other shows feel the need to respond to what I say, because what I teach is completely counter to the advice given by others who have a conflict of interest.  And heck, there are a lot of shows that are now rather directly ripping off my material now.  Yes, my friends, what you’re now hearing is SHOW PREP for the other shows you listen to.  Hehehehe  You know what they say… imitation is the sincerest form of flattery!  Until the cease-and-desist letter, that is.  HeheheheheBut seriously, we’re doing so well because of YOU, and I’m SO VERY GRATEFUL to you.  Nobody would care about what I have to say if YOU didn’t care about what I have to say… and so really, YOU are the hero, the person of influence, in this situation.  And I’m so grateful to you.So, I’m going to give you some great value yet again today!Here we go:It would be great if there was a bank that would issue a CD that could beat – or even equal – the long-term average of the stock market.Well, my friends, such a CD does not exist, as you know.  But something that’s BETTER actually does exist.And before I tell you about it, let’s determine what is ACTUALLY the long-term return of the stock market.  What would you guess?  A lot of people think that number is 10% or 12%.  What do you think?Well, my friends, let’s look at the actual numbers, shall we?We’ll use a period of 80 years, because that’s the average lifespan of an American citizen.  And over the last 80 years, the compounded annual growth rate for BOTH the Dow Jones Industrial Average and the S&amp;P 500 has been in the 6% range.Surprising, isn’t it?  Much lower than you guessed, no doubt.  But the news is worse than that.  Around 6% is what the MARKET has averaged.  The results for the typical investor in stocks has been FAR WORSE.There’s a fascinating study that’s published every year called Dalbar’s Quantitative Analysis of Investor Behavior.  Sounds like a great read, doesn’t it?  Hehehehe.  Well, there is one particular piece of information in that you MUST pay attention to:The average investor who invests in stocks does NOT achieve a 6% rate of return.  Far from it.  According to Dalbar, the average 30-year annualized rate of return is a whopping 1.9%.Yes, you heard that right:  1.9%.How could that be?  The painful truth is that you and I aren’t very good at stock picking or timing.  Remember – that magical 76 number is based on the assumption that you put money in 80 years ago, and that you leave that investment alone for the entire 80 years following.  But is that reality?  No, of course not.Folks, do you remember back as recently as 2008… a year when there were 3 SEPARATE days when the entire S&amp;P500 fell by about 9%?  It was a bloodbath.  Or do you remember back to Black Monday – October 19, 1987 – when the ENTIRE MARKET fell by more than 20% in a single day?The ugly reality is most investors revert to their baser instincts of survival mode when such things happen.  That’s the nature of the stock market.  It encourages emotion-based decisions, which leads to buying high and selling low.  And that, my dear listeners, is why even though the long-term average for the market is about 6%... the average for people like you who invest in the stock market is less than a third of that, at 1.9%.Have your results been better than that?Then pay close attention to this:My friends, there’s a concept in statistics and finance called “reversion to the mean”.  This means that anything you’re measuring tends to return to it’s long-term average over time.  If right now you’re below average, it’s likely your results will rise.  If right now you’re performing above the average, it’s quite likely your results will revert to the mean.What’s the answer?  Let’s invest in assets that have a higher average!How about, say, 7%?  That way, we beat the stock market and the average investor!So where can you get such a result?  It’s easy:  don’t look to Wall Street.  Look to Main Street.Imagine a local guy named Joe.  Joe found a piece of real estate he can buy WAY below it’s value.  I mean… WAY below it’s value… about half.  Problem is, he doesn’t have all of the money he needs.This is an opportunity for you to get a SLAM-DUNK investment.  Here’s how it works:  You make a loan to Joe.  You lend him money at 7% interest, and so that it’s easy for him to make payments, you only require interest-only payments.Joe loves it… he’s got a really low payment and now he can do his deal, but the reason this deal is safe for you is this:You will ONLY lend Joe half of the value of the property.  If the property is worth $100,000 then you’ll lend him $50,000.  If it’s worth $300,000 then you’ll lend him $150,000.Whatever the value… you’ll lend half.And then, there’s one other thing:  If Joe doesn’t keep up his payments, you get to take that house and sell it.  And the reality is you’ll likely make a WHOLE LOT MORE money from doing that if you must.  In other words, you have a Plan “A”… where you collect 7% interest… and you have a Plan “B”, where you can make FAR MORE than that, if for any reason Plan A doesn’t work!But you know what?  Joe isn’t going to miss his payments.  Because this house is such a SMOKING-GREAT deal that he wants the profit that’s built into it.And thus, you get paid 7% interest – guaranteed – every single month.  No volatility, no complication, no trouble.  It’s just simple.  It’s safe.  It’s strong.Now, you probably don’t want to do this with all of your portfolio.  But folks, most people wisely consider about 1/3 to 2/3 of their portfolio as the “conservative” portion… the part where they just can’t afford to lose money.  You’ll want to really optimize the other 1/3 for high returns, but……For that core of your portfolio… the part that matters the MOST to your financial future… isn’t it appealing to think you could BEAT the stock market… and have NO VOLATILITY and virtually NO RISK to your money?  It’s like a REALLY AWESOME Certificate of Deposit… only the rate is much higher… and it just MAKES SENSE to you why it works!But the big problem for you is finding somebody like JOE who wants to borrow money under those terms.My friends, I can help you with that.  Actually, I can make the problem go away entirely… it becomes a totally “turnkey” opportunity for you!Want to learn more?  Join me for a special webinar THIS WEEK for Self Directed Investor Radio listeners ONLY.  I’ll tell you more about the strategy – including why it’s so incredibly safe and predictable, along with very profitable – and further, I’ll show you how to get those results in a totally turnkey manner, so you never even need to understand how to find somebody like Joe or evaluate real estate or any of that stuff.  You just get to make incredibly safe loans at a 7% interest rate and forget about everything else!To get a link where you can register for this premium webinar at no cost, just text the word RESERVE to 33444.  But there is a limited number of free passes available, and to get one, just text the word RESERVE to 33444.My friends, invest wisely today… and live well forever! Hosted on Acast. See acast.com/privacy for more information.

How would you like to own a certificate of deposit with returns that actually BEAT the stock market?  Something so reliable that it’s a great way to invest that part of your portfolio that you absolutely can not afford to lose… yet you still get a great return?  Well, I’ve got something even better, and I’ll tell you all about it RIGHT NOW.  I’m Bryan Ellis, and this is Episode #111---------Hello, SDI Nation!  Welcome to the podcast of record for smart, individual investors!I didn’t get to be with you on Friday, and I really missed that!  But boy did I have a great time with some of your colleagues and fellow listeners at our Passive Property Flipping Summit.  That event was for affluent investors seeking to deploy their capital into passive real estate flipping opportunities, and it was an extraordinary experience.  The event filled up many weeks ahead of time and it was just truly wonderful to actually meet so many of you face-to-face!My friends, I’ve got some great info to share, and I’ll get to that in about 30 seconds.  But first, let me say THANK YOU for listening!  This podcast is only about 6 months old and it’s already a major force to be reckoned with because of YOU.  It’s astounding how many other shows feel the need to respond to what I say, because what I teach is completely counter to the advice given by others who have a conflict of interest.  And heck, there are a lot of shows that are now rather directly ripping off my material now.  Yes, my friends, what you’re now hearing is SHOW PREP for the other shows you listen to.  Hehehehe  You know what they say… imitation is the sincerest form of flattery!  Until the cease-and-desist letter, that is.  HeheheheheBut seriously, we’re doing so well because of YOU, and I’m SO VERY GRATEFUL to you.  Nobody would care about what I have to say if YOU didn’t care about what I have to say… and so really, YOU are the hero, the person of influence, in this situation.  And I’m so grateful to you.So, I’m going to give you some great value yet again today!Here we go:It would be great if there was a bank that would issue a CD that could beat – or even equal – the long-term average of the stock market.Well, my friends, such a CD does not exist, as you know.  But something that’s BETTER actually does exist.And before I tell you about it, let’s determine what is ACTUALLY the long-term return of the stock market.  What would you guess?  A lot of people think that number is 10% or 12%.  What do you think?Well, my friends, let’s look at the actual numbers, shall we?We’ll use a period of 80 years, because that’s the average lifespan of an American citizen.  And over the last 80 years, the compounded annual growth rate for BOTH the Dow Jones Industrial Average and the S&amp;P 500 has been in the 6% range.Surprising, isn’t it?  Much lower than you guessed, no doubt.  But the news is worse than that.  Around 6% is what the MARKET has averaged.  The results for the typical investor in stocks has been FAR WORSE.There’s a fascinating study that’s published every year called Dalbar’s Quantitative Analysis of Investor Behavior.  Sounds like a great read, doesn’t it?  Hehehehe.  Well, there is one particular piece of information in that you MUST pay attention to:The average investor who invests in stocks does NOT achieve a 6% rate of return.  Far from it.  According to Dalbar, the average 30-year annualized rate of return is a whopping 1.9%.Yes, you heard that right:  1.9%.How could that be?  The painful truth is that you and I aren’t very good at stock picking or timing.  Remember – that magical 76 number is based on the assumption that you put money in 80 years ago, and that you leave that investment alone for the entire 80 years following.  But is that reality?  No, of course not.Folks, do you remember back as recently as 2008… a year when there were 3 SEPARATE days when the entire S&amp;P500 fell by about 9%?  It was a bloodbath.  Or do you remember back to Black Monday – October 19, 1987 – when the ENTIRE MARKET fell by more than 20% in a single day?The ugly reality is most investors revert to their baser instincts of survival mode when such things happen.  That’s the nature of the stock market.  It encourages emotion-based decisions, which leads to buying high and selling low.  And that, my dear listeners, is why even though the long-term average for the market is about 6%... the average for people like you who invest in the stock market is less than a third of that, at 1.9%.Have your results been better than that?Then pay close attention to this:My friends, there’s a concept in statistics and finance called “reversion to the mean”.  This means that anything you’re measuring tends to return to it’s long-term average over time.  If right now you’re below average, it’s likely your results will rise.  If right now you’re performing above the average, it’s quite likely your results will revert to the mean.What’s the answer?  Let’s invest in assets that have a higher average!How about, say, 7%?  That way, we beat the stock market and the average investor!So where can you get such a result?  It’s easy:  don’t look to Wall Street.  Look to Main Street.Imagine a local guy named Joe.  Joe found a piece of real estate he can buy WAY below it’s value.  I mean… WAY below it’s value… about half.  Problem is, he doesn’t have all of the money he needs.This is an opportunity for you to get a SLAM-DUNK investment.  Here’s how it works:  You make a loan to Joe.  You lend him money at 7% interest, and so that it’s easy for him to make payments, you only require interest-only payments.Joe loves it… he’s got a really low payment and now he can do his deal, but the reason this deal is safe for you is this:You will ONLY lend Joe half of the value of the property.  If the property is worth $100,000 then you’ll lend him $50,000.  If it’s worth $300,000 then you’ll lend him $150,000.Whatever the value… you’ll lend half.And then, there’s one other thing:  If Joe doesn’t keep up his payments, you get to take that house and sell it.  And the reality is you’ll likely make a WHOLE LOT MORE money from doing that if you must.  In other words, you have a Plan “A”… where you collect 7% interest… and you have a Plan “B”, where you can make FAR MORE than that, if for any reason Plan A doesn’t work!But you know what?  Joe isn’t going to miss his payments.  Because this house is such a SMOKING-GREAT deal that he wants the profit that’s built into it.And thus, you get paid 7% interest – guaranteed – every single month.  No volatility, no complication, no trouble.  It’s just simple.  It’s safe.  It’s strong.Now, you probably don’t want to do this with all of your portfolio.  But folks, most people wisely consider about 1/3 to 2/3 of their portfolio as the “conservative” portion… the part where they just can’t afford to lose money.  You’ll want to really optimize the other 1/3 for high returns, but……For that core of your portfolio… the part that matters the MOST to your financial future… isn’t it appealing to think you could BEAT the stock market… and have NO VOLATILITY and virtually NO RISK to your money?  It’s like a REALLY AWESOME Certificate of Deposit… only the rate is much higher… and it just MAKES SENSE to you why it works!But the big problem for you is finding somebody like JOE who wants to borrow money under those terms.My friends, I can help you with that.  Actually, I can make the problem go away entirely… it becomes a totally “turnkey” opportunity for you!Want to learn more?  Join me for a special webinar THIS WEEK for Self Directed Investor Radio listeners ONLY.  I’ll tell you more about the strategy – including why it’s so incredibly safe and predictable, along with very profitable – and further, I’ll show you how to get those results in a totally turnkey manner, so you never even need to understand how to find somebody like Joe or evaluate real estate or any of that stuff.  You just get to make incredibly safe loans at a 7% interest rate and forget about everything else!To get a link where you can register for this premium webinar at no cost, just text the word RESERVE to 33444.  But there is a limited number of free passes available, and to get one, just text the word RESERVE to 33444.My friends, invest wisely today… and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

a CD that Beats Stocks?!  |  Episode 111

I ADMIT IT:  Real estate notes are the BEST asset class for individual investors.  BUT... there's a dark side... not all notes are created equal!  Here's a sobering case study for you... SDIRadio.com Hosted on Acast. See acast.com/privacy for more information.

I ADMIT IT:  Real estate notes are the BEST asset class for individual investors.  BUT... there's a dark side... not all notes are created equal!  Here's a sobering case study for you... <a href="http://SDIRadio.com" rel="nofollow" target="_blank">SDIRadio.com</a> Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

SDI 054:  The UGLY Side Of The Best Asset Class For Individual Investors

TOP 3 MYTHS... Uncle Sam HATES competition for your dollars... and so The Government, And The "Powers That Be" Routinely Perpetuate 3 Myths That May Have SCARED YOU From Considering Retirement Abroad.  Here's the truth, my friends! Hosted on Acast. See acast.com/privacy for more information.

TOP 3 MYTHS... Uncle Sam HATES competition for your dollars... and so The Government, And The "Powers That Be" Routinely Perpetuate 3 Myths That May Have SCARED YOU From Considering Retirement Abroad.  Here's the truth, my friends! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

SDI 045:  TOP 3 MYTHS about Retiring Abroad... And Why Uncle Sam Hopes You'll Believe Them

You’re a self-directed investor.  Do you think that there’s no difference between a vote for Trump and a vote for Hillary?  Think again, my friends.  A new legislative proposal is out that directly attacks self-directed IRA’s specifically, and this leads to the CLEAR and RATIONAL conclusion that the difference between the candidates is huge.  I’m Bryan Ellis. I’ll spell it out in CRYSTAL CLEAR LANGUAGE RIGHT NOW in Episode #229. ------  Hello SDI Nation, welcome to the podcast of record where we help you to declare independence from Wall Street and build a financial legacy for future generations.  Today I’ll do that by helping you to understand what’s at stake in the upcoming presidential election that’s directly relevant to YOU as a self-directed investor.  Just a heads up… in today’s show, you’re going to hear me refer to today’s show notes page a few times.  That page is SDIRadio.com/229 and it’s got some really important, profoundly relevant things for you.  So when you hear me refer to today’s show notes page, know that I’m referring to SDIRadio.com/229. First – folks, you’ve doubtlessly heard of my friends over at Fund &amp; Grow.  These guys are absolute magicians when it comes to helping their clients acquire zero-interest lines of credit… lines of credit that are essentially just signature loans, not even secured by real estate or anything else.  Think about that, folks… what if you could finance that real estate deal using a zero percent interest loan?  It’s a game changer, and that’s exactly what my friends Ari and Mike over at Fund &amp; Grow do.  I say they’re magicians, but in truth, they just follow a great, great process that’s very reliable.  For people with decent credit or better, it’s totally achievable to reach $250,000 in zero-interest credit… and my friends, they’ve actually generated over $2.9 million worth of that type of credit for your fellow listeners just this year alone.  So my recommendation?  Check them out, and do it now… at SDIRadio.com/credit.  Again, that’s SDIRadio.com/credit.  You’ll be glad you did. My friends, have you heard of the poorly named Retirement Improvements and Savings Enhancements Act of 2016 – aka the RISE Act proposal?  Probably not… but as a self-directed investor, it’s HUGELY relevant to you, because it’s an all-out attempt to gut your rights to use a self-directed IRA in the ways that work best.  I’ll tell you specifically how in just a minute, but you really need to understand the background. During the presidential battle of 2012, Mitt Romney made the shocking revelation that he owned an IRA worth as much as $102 MILLION.  When I heard that, I thought WOW!  I want to be like him when I grow up!  But when certain people in Congress heard about it, all they could see was “THE RICH GET RICHER” and “THAT’S UNFAIR” and “he couldn’t do that legally”. All of these things are, of course, just the typical babblings of intellectually dishonest politicians who – let’s be honest – don’t give one little damn self directed IRA’s or about you.  What they do care about is appearing to their constituents – at least half of whom are below the average national income – that “I’m on your side and I’ll punish those rich guys who are getting rich at your expense.” It’s absolute garbage… it’s simple-minded reasoning for simple-minded constituents who have been trained by government schools, the media and our self-obsessed culture that success should be attacked rather than emulated.  If you agree with that – that success should be attacked rather than emulated – then you should stop listening to this show right now, because I’m not interested in having you as a listener. But if you understand, you agree that success is laudable, good and praiseworthy, and you agree that success leaves clues that the rest of us can follow, then listen on as I explain how we got to the threat of the RISE act that we face today. One particularly class envy-oriented senator, Ron Wyden, Democrat from Oregon, appears to have really gone bankers over the fact that some people had become very successful using their IRA’s… so much so that he demanded that the Government Accountability Office perform a study to find out how big the “problem” was, and how it was that anyone could ever build that much wealth. That last part is a legit question.  Most IRA’s have a max contribution of 6 grand per year or so, and even if you got a long-term profit rate of 8% per year, it would still take more than 90 years to get to $100 million.  Clearly, Romney isn’t 90 years old, so how’d he do it? Well, Romney didn’t break any rules.  We don’t really know what he did to accumulate such an impressive sum, but here’s my guess... and that’s all it is is a guess.  Remember that Romney was became rich as a venture capitalist specializing in business turnarounds and restructuring.  In other words, it was his JOB to find companies that were headed towards or already in bankruptcy – and thus essentially worthless – and to turn those companies around in such a way as to make a big profit.  And I suspect, after Romney had been doing this for a while and was very good at predicting which companies could be successfully turned around before it happened, he started to acquire shares of these companies in his self-directed IRA BERFORE he turned them around while they were available at very, very low prices.  You know, a company in bankruptcy is not expensive to buy.  So maybe he’s able to acquire thousands or millions of shares of a company for a few pennies per share.  He then works his magic as a turnaround expert and brings that company back from the brink of bankruptcy and causes those shares he bought for a few pennies to be worth a dollar, or 5 dollars or $100 dollars or more. And I suspect he did this many times.  And with that, it suddenly becomes very, very plausible to accumulate as much money as Romney did.  Again, that’s just my guess… only Romney really knows… but I bet it’s pretty close to this. Well, like I said, this revelation drove Senator Wyden insane with class envy. He commissions the GAO study I mentioned to you a moment ago, and what was revealed is that this issue of “mega IRA’s” like Romney’s isn’t a particularly big issue.  There’s a total of about 9,000 IRA’s in the entirety of America with a balance of greater than $5 million, most of whom are formerly high-earning retirees.  There are more than 9,000 people within 5 miles of my house.  That’s a tiny number.  So clearly, there’s nothing to see here in terms of a real problem.  Frankly in my mind, it wouldn’t be a problem if there were a million huge IRA’s… but the way I think is very different from the way Senator Wyden thinks. Which leads us to the RISE act proposal… and its connection to the Trump vs Clinton battle.  But unfortunately, we’re out of time- past time actually – in this episode.  So let’s do this:  The next episode with the Trump/Clinton connection is up and available RIGHT NOW at SDIRadio.com/230.  Again, that’s SDIRadio.com/230… so please, go there right now and check it out, because nothing could be more TIME SENSITIVE or RELEVANT to the safety and security of your self-directed IRA. My friends, invest wisely today, and live well forever! Hosted on Acast. See acast.com/privacy for more information.

You’re a self-directed investor.  Do you think that there’s no difference between a vote for Trump and a vote for Hillary?  Think again, my friends.  A new legislative proposal is out that directly attacks self-directed IRA’s specifically, and this leads to the CLEAR and RATIONAL conclusion that the difference between the candidates is huge.  I’m Bryan Ellis. I’ll spell it out in CRYSTAL CLEAR LANGUAGE RIGHT NOW in Episode #229. ------  Hello SDI Nation, welcome to the podcast of record where we help you to declare independence from Wall Street and build a financial legacy for future generations.  Today I’ll do that by helping you to understand what’s at stake in the upcoming presidential election that’s directly relevant to YOU as a self-directed investor.  Just a heads up… in today’s show, you’re going to hear me refer to today’s show notes page a few times.  That page is <a href="http://www.SDIRadio.com/229" rel="nofollow" target="_blank">SDIRadio.com/229</a> and it’s got some really important, profoundly relevant things for you.  So when you hear me refer to today’s show notes page, know that I’m referring to <a href="http://www.SDIRadio.com/229" rel="nofollow" target="_blank">SDIRadio.com/229</a>. First – folks, you’ve doubtlessly heard of my friends over at Fund &amp; Grow.  These guys are absolute magicians when it comes to helping their clients acquire zero-interest lines of credit… lines of credit that are essentially just signature loans, not even secured by real estate or anything else.  Think about that, folks… what if you could finance that real estate deal using a zero percent interest loan?  It’s a game changer, and that’s exactly what my friends Ari and Mike over at Fund &amp; Grow do.  I say they’re magicians, but in truth, they just follow a great, great process that’s very reliable.  For people with decent credit or better, it’s totally achievable to reach $250,000 in zero-interest credit… and my friends, they’ve actually generated over $2.9 million worth of that type of credit for your fellow listeners just this year alone.  So my recommendation?  Check them out, and do it now… at <a href="SDIRadio.com/credit" rel="nofollow" target="_blank">SDIRadio.com/credit</a>.  Again, that’s <a href="http://www.SDIRadio.com/credit" rel="nofollow" target="_blank">SDIRadio.com/credit</a>.  You’ll be glad you did. My friends, have you heard of the poorly named Retirement Improvements and Savings Enhancements Act of 2016 – aka the RISE Act proposal?  Probably not… but as a self-directed investor, it’s HUGELY relevant to you, because it’s an all-out attempt to gut your rights to use a self-directed IRA in the ways that work best.  I’ll tell you specifically how in just a minute, but you really need to understand the background. During the presidential battle of 2012, Mitt Romney made the shocking revelation that he owned an IRA worth as much as $102 MILLION.  When I heard that, I thought WOW!  I want to be like him when I grow up!  But when certain people in Congress heard about it, all they could see was “THE RICH GET RICHER” and “THAT’S UNFAIR” and “he couldn’t do that legally”. All of these things are, of course, just the typical babblings of intellectually dishonest politicians who – let’s be honest – don’t give one little damn self directed IRA’s or about you.  What they do care about is appearing to their constituents – at least half of whom are below the average national income – that “I’m on your side and I’ll punish those rich guys who are getting rich at your expense.” It’s absolute garbage… it’s simple-minded reasoning for simple-minded constituents who have been trained by government schools, the media and our self-obsessed culture that success should be attacked rather than emulated.  If you agree with that – that success should be attacked rather than emulated – then you should stop listening to this show right now, because I’m not interested in having you as a listener. But if you understand, you agree that success is laudable, good and praiseworthy, and you agree that success leaves clues that the rest of us can follow, then listen on as I explain how we got to the threat of the RISE act that we face today. One particularly class envy-oriented senator, Ron Wyden, Democrat from Oregon, appears to have really gone bankers over the fact that some people had become very successful using their IRA’s… so much so that he demanded that the Government Accountability Office perform a study to find out how big the “problem” was, and how it was that anyone could ever build that much wealth. That last part is a legit question.  Most IRA’s have a max contribution of 6 grand per year or so, and even if you got a long-term profit rate of 8% per year, it would still take more than 90 years to get to $100 million.  Clearly, Romney isn’t 90 years old, so how’d he do it? Well, Romney didn’t break any rules.  We don’t really know what he did to accumulate such an impressive sum, but here’s my guess... and that’s all it is is a guess.  Remember that Romney was became rich as a venture capitalist specializing in business turnarounds and restructuring.  In other words, it was his JOB to find companies that were headed towards or already in bankruptcy – and thus essentially worthless – and to turn those companies around in such a way as to make a big profit.  And I suspect, after Romney had been doing this for a while and was very good at predicting which companies could be successfully turned around before it happened, he started to acquire shares of these companies in his self-directed IRA BERFORE he turned them around while they were available at very, very low prices.  You know, a company in bankruptcy is not expensive to buy.  So maybe he’s able to acquire thousands or millions of shares of a company for a few pennies per share.  He then works his magic as a turnaround expert and brings that company back from the brink of bankruptcy and causes those shares he bought for a few pennies to be worth a dollar, or 5 dollars or $100 dollars or more. And I suspect he did this many times.  And with that, it suddenly becomes very, very plausible to accumulate as much money as Romney did.  Again, that’s just my guess… only Romney really knows… but I bet it’s pretty close to this. Well, like I said, this revelation drove Senator Wyden insane with class envy. <a href="http://sdiradio.com/gao-ira-report-2014" rel="nofollow" target="_blank">He commissions the GAO study I mentioned to you a moment ago</a>, and what was revealed is that this issue of “mega IRA’s” like Romney’s isn’t a particularly big issue.  There’s a total of about 9,000 IRA’s in the entirety of America with a balance of greater than $5 million, most of whom are formerly high-earning retirees.  There are more than 9,000 people within 5 miles of my house.  That’s a tiny number.  So clearly, there’s nothing to see here in terms of a real problem.  Frankly in my mind, it wouldn’t be a problem if there were a million huge IRA’s… but the way I think is very different from the way Senator Wyden thinks. Which leads us to the RISE act proposal… and its connection to the Trump vs Clinton battle.  But unfortunately, we’re out of time- past time actually – in this episode.  So let’s do this:  The next episode with the Trump/Clinton connection is up and available RIGHT NOW at <a href="http://www.SDIRadio.com/230" rel="nofollow" target="_blank">SDIRadio.com/230</a>.  Again, that’s <a href="http://www.SDIRadio.com/230" rel="nofollow" target="_blank">SDIRadio.com/230</a>… so please, go there right now and check it out, because nothing could be more TIME SENSITIVE or RELEVANT to the safety and security of your self-directed IRA. My friends, invest wisely today, and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

Trump vs Hillary (1 of 3) – the IMPACT for Self-Directed Investors – RISE Act

Are YOU interested in investing in residential real estate?  If so, there’s one more threat to your property value that didn’t exist before a few years ago… but it’s a big one.  And you have companies like AirBNB, VRBO, HomeAway and CraigsList to thank for it.  I’m Bryan Ellis.  I’ll tell you all about it RIGHT NOW in Episode 146.----Hello, SDI Nation!  Welcome to the podcast of record for savvy self-directed investors like YOU!Imagine this:  You’ve bought a great house in Austin, Texas… or Tuscaloosa, Alabama… or San Diego, California… or Tallahassee, Florida… or Boise, Idaho… or Seattle, Washington… or any of hundreds of other cities ALL OVER America…It’s a good house in a good neighborhood.  It’s certainly a Class A property… the type of place that would be entirely suitable for you and our own family to live in.  This isn’t a war zone.  This is a place with walkable streets and obvious local pride.Your hopes are high.  You’re going to rent out that property, make a little cash flow, and build some equity.  You’re chasing financial freedom… and you’re doing it in a very responsible way.Except, the phone isn’t ringing.  It seems that nobody wants to lease that house from you.  And you just can’t understand why.That’s when you learn something interesting:  The house next door… and one several doors down… they’re listed on one of those services – like AirBNB, VRBO, HomeAway, and, of course, CraigsList – that allow home owners to rent out their houses on a short-term basis.  These services enable homeowners to begin running their own hotel service right in their own home…. The home that’s in the same neighborhood as your home.No big deal, right?That’s right… except for one thing:  Your property is located in a city that’s a common vacation destination… or home to a very popular college or pro football team… or it’s convenient to a huge venue where events are held on a regular basis like Madison Square Garden or the Georgia Dome or Staples Center…And because of that proximity, those short-term rental properties that are in the same neighborhood as your property are very, VERY popular… and because of the nature of the reason why people come to town, there’s one common theme for those short-term visitor:  They’re coming to town to PARTY.Hey, we all love a good party.  No doubt about it.  But there are limits… and when that party happens over and over… disturbing the peace in your neighborhood and making your property undesirable to renters or buyers, then that translates into a very real problem:  The potential for declining property values.My friends, this is a real phenomenon.  The latest press coverage of it was this past Friday in the New York Times… and the coverage wasn’t kind to those renting their houses out in this way.Clearly, AirBnB… maybe the biggest of the services who specialize in these short-term rentals… recognizes that there’s a problem. They’ve set up a neighbor hotline to call if there are problems.  But the reality is, there’s simply not much that AirBnB can do.Austin, Texas – a very popular destination – tried to tackle the problem by stipulating that no more than 6 unrelated people could stay in any of these homes at any one time.  But that effort was thwarted by short-term renters of these properties, who had apparently been coached to tell local law enforcement that they weren’t actually “staying” in the property, just visiting… and some others claimed to be cousins or other distant relatives, thus technically satisfying the rule in a manner that couldn’t easily be disproven by police.The net result in Austin:  Regulation has done little to stem the tide of disrespect of neighbors by users of short-term rentals.To be certain, not every AirBnB or HomeAway client is a disrespectful partier.  Far from it.  But you know that it doesn’t take too many nights of disturbed sleep for one to lose patience with this type of behavior… and quite justifiably so.What can we observe from this?One thing is that you should certainly investigate the locale where you’re considering the purchase of property to see if there are any properties nearby that are offered as short-term rentals.  Particularly problematic are the properties that are represented as suitable for 8 or more people, as the larger the group of people occupying the property, the more probable it is that the group is a traveling party.  To my way of thinking, properties like these make other nearby properties less attractive than they’d otherwise be, and certainly demand additional caution.Another thing we can conclude is that more regulation is coming to address these issues.  And reactionary regulation such as that spurred by issues like this short-term rental issue is usually poorly considered and has unintended side effects that are negative for the broader populace.  You can be sure that such regulation will ultimately restrict the rights of reasonable home owners as well, and not just those using their properties as short-term rental property.  And clearly, that’s a bad thing.One solution that I can think of is this:  Home Owners Associations.  I’m not a huge fan of home owner’s associations, because they’re frequently controlled by people with less intellectual acuity, and even less integrity, than – well, I don’t want to insult criminals or those with mental challenges – so let’s just say they’re frequently not the most high-quality people in the world.But this is a PERFECT place for a responsible Home Owner’s Association to take action.  Most HOA’s have quasi-governmental authority over the properties in their neighborhoods, usually including the right of foreclosure, as a response to rules violations.  And that is a very big stick to wield.  Why not use that authority – in a responsible way – to solve this problem on a neighborhood-by-neighborhood basis?There… problem solved for a very large swath of residential properties in America.  No need for more regulations.But bottom line, folks:  Don’t overlook this issue.  It’s an easy piece of due diligence to perform, and it could be a really big factor in the desirability, and thus the value, of that piece of property in which you’re considering investing.  Like good ole Ben Franklin told us… an ounce of prevention is worth a pound of cure!Hey… I hope you enjoyed today’s show.  If you’d like a transcript of this show, text the word TRANSCRIPT to 33444 and I’ll be happy to send it to you, free of charge.My friends, I’ve got some GREAT… really great… investment opportunities coming up that I’ll announce very soon – within 10 days, actually… and you’ll definitely want to know about these.  May I remind you that when I had 19 great investment properties available 2 weeks ago, they all disappeared within a few days?  And what I have to share with you within 10 days is just as spectacular as those opportunities – maybe even more so!So be prepared.  Text the word TOPPICKS to 33444 to get on my early notification list.  The word there is TOPPICKS spelled TOPPICKS with no spaces.  Text TOPPPICKS to 33444 now!My friends… invest wisely today, and live well forever! Hosted on Acast. See acast.com/privacy for more information.

Are YOU interested in investing in residential real estate?  If so, there’s one more threat to your property value that didn’t exist before a few years ago… but it’s a big one.  And you have companies like AirBNB, VRBO, HomeAway and CraigsList to thank for it.  I’m Bryan Ellis.  I’ll tell you all about it RIGHT NOW in Episode 146.----Hello, SDI Nation!  Welcome to the podcast of record for savvy self-directed investors like YOU!Imagine this:  You’ve bought a great house in Austin, Texas… or Tuscaloosa, Alabama… or San Diego, California… or Tallahassee, Florida… or Boise, Idaho… or Seattle, Washington… or any of hundreds of other cities ALL OVER America…It’s a good house in a good neighborhood.  It’s certainly a Class A property… the type of place that would be entirely suitable for you and our own family to live in.  This isn’t a war zone.  This is a place with walkable streets and obvious local pride.Your hopes are high.  You’re going to rent out that property, make a little cash flow, and build some equity.  You’re chasing financial freedom… and you’re doing it in a very responsible way.Except, the phone isn’t ringing.  It seems that nobody wants to lease that house from you.  And you just can’t understand why.That’s when you learn something interesting:  The house next door… and one several doors down… they’re listed on one of those services – like AirBNB, VRBO, HomeAway, and, of course, CraigsList – that allow home owners to rent out their houses on a short-term basis.  These services enable homeowners to begin running their own hotel service right in their own home…. The home that’s in the same neighborhood as your home.No big deal, right?That’s right… except for one thing:  Your property is located in a city that’s a common vacation destination… or home to a very popular college or pro football team… or it’s convenient to a huge venue where events are held on a regular basis like Madison Square Garden or the Georgia Dome or Staples Center…And because of that proximity, those short-term rental properties that are in the same neighborhood as your property are very, VERY popular… and because of the nature of the reason why people come to town, there’s one common theme for those short-term visitor:  They’re coming to town to PARTY.Hey, we all love a good party.  No doubt about it.  But there are limits… and when that party happens over and over… disturbing the peace in your neighborhood and making your property undesirable to renters or buyers, then that translates into a very real problem:  The potential for declining property values.My friends, this is a real phenomenon.  The latest press coverage of it was this past Friday in the New York Times… and the coverage wasn’t kind to those renting their houses out in this way.Clearly, AirBnB… maybe the biggest of the services who specialize in these short-term rentals… recognizes that there’s a problem. They’ve set up a neighbor hotline to call if there are problems.  But the reality is, there’s simply not much that AirBnB can do.Austin, Texas – a very popular destination – tried to tackle the problem by stipulating that no more than 6 unrelated people could stay in any of these homes at any one time.  But that effort was thwarted by short-term renters of these properties, who had apparently been coached to tell local law enforcement that they weren’t actually “staying” in the property, just visiting… and some others claimed to be cousins or other distant relatives, thus technically satisfying the rule in a manner that couldn’t easily be disproven by police.The net result in Austin:  Regulation has done little to stem the tide of disrespect of neighbors by users of short-term rentals.To be certain, not every AirBnB or HomeAway client is a disrespectful partier.  Far from it.  But you know that it doesn’t take too many nights of disturbed sleep for one to lose patience with this type of behavior… and quite justifiably so.What can we observe from this?One thing is that you should certainly investigate the locale where you’re considering the purchase of property to see if there are any properties nearby that are offered as short-term rentals.  Particularly problematic are the properties that are represented as suitable for 8 or more people, as the larger the group of people occupying the property, the more probable it is that the group is a traveling party.  To my way of thinking, properties like these make other nearby properties less attractive than they’d otherwise be, and certainly demand additional caution.Another thing we can conclude is that more regulation is coming to address these issues.  And reactionary regulation such as that spurred by issues like this short-term rental issue is usually poorly considered and has unintended side effects that are negative for the broader populace.  You can be sure that such regulation will ultimately restrict the rights of reasonable home owners as well, and not just those using their properties as short-term rental property.  And clearly, that’s a bad thing.One solution that I can think of is this:  Home Owners Associations.  I’m not a huge fan of home owner’s associations, because they’re frequently controlled by people with less intellectual acuity, and even less integrity, than – well, I don’t want to insult criminals or those with mental challenges – so let’s just say they’re frequently not the most high-quality people in the world.But this is a PERFECT place for a responsible Home Owner’s Association to take action.  Most HOA’s have quasi-governmental authority over the properties in their neighborhoods, usually including the right of foreclosure, as a response to rules violations.  And that is a very big stick to wield.  Why not use that authority – in a responsible way – to solve this problem on a neighborhood-by-neighborhood basis?There… problem solved for a very large swath of residential properties in America.  No need for more regulations.But bottom line, folks:  Don’t overlook this issue.  It’s an easy piece of due diligence to perform, and it could be a really big factor in the desirability, and thus the value, of that piece of property in which you’re considering investing.  Like good ole Ben Franklin told us… an ounce of prevention is worth a pound of cure!Hey… I hope you enjoyed today’s show.  If you’d like a transcript of this show, text the word TRANSCRIPT to 33444 and I’ll be happy to send it to you, free of charge.My friends, I’ve got some GREAT… really great… investment opportunities coming up that I’ll announce very soon – within 10 days, actually… and you’ll definitely want to know about these.  May I remind you that when I had 19 great investment properties available 2 weeks ago, they all disappeared within a few days?  And what I have to share with you within 10 days is just as spectacular as those opportunities – maybe even more so!So be prepared.  Text the word TOPPICKS to 33444 to get on my early notification list.  The word there is TOPPICKS spelled TOPPICKS with no spaces.  Text TOPPPICKS to 33444 now!My friends… invest wisely today, and live well forever! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

WARNING -- How AirBnB, VRBO, HomeAway & CraigsList can HURT Your Property Values  |  Episode 146

The Big Idea Self-employed investors have retirement account options that are FAR superior to conventionally employed people in the form of the SEP IRA and the Solo 401k.  One of them is clearly better than the other... Points To Ponder  IRA's are great, but you can't contribute more than $6,500 per year to them Self-employed investors may qualify for the  SEP IRA or the Solo 401k, both of which have a much larger limit - up to $60,000 per year Solo 401k is practically always a far superior alternative to the SEP IRA because:  It's much easier to actually contribute to the solo 401k than to the SEP IRA You can't have a SEP IRA that's taxed as a Roth account The SEP IRA has all of the severe vulnerabilities to prohibited transactions that are present with all IRA's.  Solo 401k's are much safer and friendlier to the investor.   If your advisor recommends a SEP IRA over a solo 401k, they're likely either ignorant or are being compensated to motivate you to open an IRA.  Resources   Episode #245 (this show) of Self Directed Investor Talk Free Webinar that shows how many SDI Talk listeners are receiving very large credit lines at 0% interest for their real estate deals or businesses.  Check it out here. Warren Buffet admits that  Diversification is for the Ignorant    Hosted on Acast. See acast.com/privacy for more information.

The Big Idea Self-employed investors have retirement account options that are FAR superior to conventionally employed people in the form of the SEP IRA and the Solo 401k.  One of them is clearly better than the other... Points To Ponder <ul> <li>IRA's are great, but you can't contribute more than $6,500 per year to them</li> <li>Self-employed investors may qualify for the <a href="https://SelfDirectedInvestor.org/ira/sep-simplified-employee-pension" rel="nofollow" target="_blank"> SEP IRA</a> or the <a href="https://SelfDirectedInvestor.org/solo-401k/" rel="nofollow" target="_blank">Solo 401k</a>, both of which have a much larger limit - up to $60,000 per year</li> <li>Solo 401k is practically always a far superior alternative to the SEP IRA because: <ul> <li>It's much easier to actually contribute to the solo 401k than to the SEP IRA</li> <li>You can't have a SEP IRA that's taxed as a <a href="https://SelfDirectedInvestor.org/ira/roth" rel="nofollow" target="_blank">Roth</a> account</li> <li>The SEP IRA has all of the severe vulnerabilities to prohibited transactions that are present with all IRA's.  Solo 401k's are much safer and friendlier to the investor.</li> </ul> </li> <li>If your advisor recommends a SEP IRA over a solo 401k, they're likely either ignorant or are being compensated to motivate you to open an IRA.</li> </ul> Resources <ul> <li><a href="https://SelfDirectedInvestor.org/sdi-talk/best-sep-ira-solo-401k-episode-245/" rel="nofollow" target="_blank"> Episode #245 </a>(this show) of <a href="https://SelfDirectedInvestor.org/podcast/" rel="nofollow" target="_blank">Self Directed Investor Talk</a></li> <li><a href="http://SDITalk.com/credit" rel="nofollow" target="_blank">Free Webinar</a> that shows how many SDI Talk listeners are receiving very large credit lines at 0% interest for their real estate deals or businesses.  <a href="http://SDITalk.com/credit" rel="nofollow" target="_blank">Check it out here</a>.</li> <li>Warren Buffet admits that <a href="http://www.businessinsider.com/why-warren-buffett-was-right-diversification-is-protection-against-ignorance-2011-8" rel="nofollow" target="_blank"> Diversification is for the Ignorant</a></li> </ul> Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

Which is Better: SEP IRA or Solo 401k? | SDITalk.com #244

can you HAVE IT ALL in your investment portfolio?  You'll learn ONE STRATEGY that is EASY to understand... is very SAFE for your principle... and offers STRONG, STRONG returns!  Please text SDIRadio to 33444 for more info! Hosted on Acast. See acast.com/privacy for more information.

can you HAVE IT ALL in your investment portfolio?  You'll learn ONE STRATEGY that is EASY to understand... is very SAFE for your principle... and offers STRONG, STRONG returns!  Please text SDIRadio to 33444 for more info! Hosted on Acast. See <a href="https://acast.com/privacy" rel="noopener noreferrer nofollow" target="_blank">acast.com/privacy</a> for more information.

HIGH YIELD + EXTREME SAFETY - The Ultimate Investment?  |  Episode #75

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