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HOW TO MAKE AN
OFFER ON A HOME?
You've found your dream home and you're
ready to make your offer. Remember, the
offer you make could become legally
binding. Here are the steps you'll need to
take.
Instructions
Steps
1
Step One
Consult a lender or mortgage broker to
find out how much you can afford to spend
on a home .
CONTACT:VISION MORTGAGE BANK. AT
796-709-6577 AND ASK FOR MR. ANTONY TO
HELP YOU!
Step Two
Decide what type of financing you want: a
fixed-rate or adjustable-rate mortgage.
3
Step Three
Know how much money you have for a
down payment; typically 5 to 20 percent of
the purchase price is required, depending
on the loan terms.
4
Step Four
Get prequalified for a loan by a lender or
mortgage broker.
5
Step Five
State what inspections you want to have
done before you'll agree to buy the home.
You can get general home inspections, as
well as geological, roof, pool/spa,
earthquake/flood and environmental
inspections.
6
Step Six
State whom you want to pay for
inspections, the termite report, required
work, title insurance and escrow fees, and
warranties.
7
Step Seven
Decide how long you want the escrow
period to be.
8
Step Eight
Establish how long both parties should
have to complete inspections, approvals
and work.
9
Step Nine
Put a limit on the amount of time the seller
has to respond.
10
Step Ten
Present your offer and a letter of
prequalification for financing to the seller
yourself or through your agent.
Tips & Warnings
OFFER ON A HOME?
You've found your dream home and you're
ready to make your offer. Remember, the
offer you make could become legally
binding. Here are the steps you'll need to
take.
Instructions
Steps
1
Step One
Consult a lender or mortgage broker to
find out how much you can afford to spend
on a home .
CONTACT:VISION MORTGAGE BANK. AT
796-709-6577 AND ASK FOR MR. ANTONY TO
HELP YOU!
Step Two
Decide what type of financing you want: a
fixed-rate or adjustable-rate mortgage.
3
Step Three
Know how much money you have for a
down payment; typically 5 to 20 percent of
the purchase price is required, depending
on the loan terms.
4
Step Four
Get prequalified for a loan by a lender or
mortgage broker.
5
Step Five
State what inspections you want to have
done before you'll agree to buy the home.
You can get general home inspections, as
well as geological, roof, pool/spa,
earthquake/flood and environmental
inspections.
6
Step Six
State whom you want to pay for
inspections, the termite report, required
work, title insurance and escrow fees, and
warranties.
7
Step Seven
Decide how long you want the escrow
period to be.
8
Step Eight
Establish how long both parties should
have to complete inspections, approvals
and work.
9
Step Nine
Put a limit on the amount of time the seller
has to respond.
10
Step Ten
Present your offer and a letter of
prequalification for financing to the seller
yourself or through your agent.
Tips & Warnings
HOW TO INSPECT A
HOME BEFORE BUYING?
A home is one of the most important
purchases you can make, so don't be sucked
in by a fresh coat of paint and nice carpeting!
Keep a sharp eye and consider the details.
Instructions
Steps1
Step One
Consider the house's general layout. Is it big
enough for your family and belongings?
Does it have enough storage space? Is
there adequate parking/garage space? Is
there room for expansion - and how much
would adding on cost?
2
Step Two
Look for amenities such as built-in
dishwasher and washer/dryer hook-ups. Will
these be easy to add?
3
Step Three
Consider the yard. Is the lot big enough for
your outdoor activities? How difficult will it
be to maintain?
4
Step Four
Look for cracks in the driveway. Wide or
extensive cracks could indicate a drainage
problem in the yard.
5
Step Five
Look for cracks in the foundation, ceilings
and walls, which indicate movement of the
structure caused by settling, soil expansion
or earthquakes.
6
Step Six
Check walls and ceilings for signs of water
damage.
7
Step Seven
Inspect windows by opening them, both to
check condition of their hardware and to
make sure they aren't painted shut. Bedroom
windows should be large enough to escape
through in a fire.
8
Step Eight
Examine both interior and exterior doors:
open and shut them to see whether they are
level and in working condition. Inspect
sliding doors for energy-efficient insulated
glass. Check for weather stripping and
thresholds.
9
Step Nine
Look at the number, condition and size of
closets.
10
Step Ten
Be sure that the fireplace has a working
damper and is lined with terra cotta or
firebrick (as opposed to common brick,
which eventually deteriorates from intense
heat).
11
Step Eleven
Inspect floors and carpet for wear and tear
as well as for moisture damage.
12
Step Twelve
Determine if the walls, ceilings and floors
contain asbestos, which is a health hazard.
---------------------------------------------
HOW TO USE HOME INSPECTION REPORTS
TO NEGOTIATE SALE PRICE?
When you get the inspection report back on
a home you're looking to buy, you may be
able to use that report to negotiate the price.
Instructions
Steps1
Step One
Be sure your purchase contract includes an
inspection clause that makes your obligation
to purchase the home dependent on the
results of a professional home inspection
performed within a stated period of time
(usually 10 to 15 days) during the sales
transaction.
2
Step Two
Hire a professional home-inspection to
inspect the home within the contingency
period.
3
Step Three
Review the condition of each item listed on
the home inspection report; decide if the
condition of each item or component is
acceptable or unacceptable to you.
4
Step Four
Obtain estimates on repairs or replacements
described in the home inspection report if
estimates are not provided by the home
inspector.
5
Step Five
Compare your original offer to the estimated
costs of any repairs or replacements.
6
Step Six
Present an addendum to the sellers within
the contingency period at a reduced price to
cover the costs of repairs or replacements
or give the sellers the option of getting the
work done themselves.
HOME BEFORE BUYING?
A home is one of the most important
purchases you can make, so don't be sucked
in by a fresh coat of paint and nice carpeting!
Keep a sharp eye and consider the details.
Instructions
Steps1
Step One
Consider the house's general layout. Is it big
enough for your family and belongings?
Does it have enough storage space? Is
there adequate parking/garage space? Is
there room for expansion - and how much
would adding on cost?
2
Step Two
Look for amenities such as built-in
dishwasher and washer/dryer hook-ups. Will
these be easy to add?
3
Step Three
Consider the yard. Is the lot big enough for
your outdoor activities? How difficult will it
be to maintain?
4
Step Four
Look for cracks in the driveway. Wide or
extensive cracks could indicate a drainage
problem in the yard.
5
Step Five
Look for cracks in the foundation, ceilings
and walls, which indicate movement of the
structure caused by settling, soil expansion
or earthquakes.
6
Step Six
Check walls and ceilings for signs of water
damage.
7
Step Seven
Inspect windows by opening them, both to
check condition of their hardware and to
make sure they aren't painted shut. Bedroom
windows should be large enough to escape
through in a fire.
8
Step Eight
Examine both interior and exterior doors:
open and shut them to see whether they are
level and in working condition. Inspect
sliding doors for energy-efficient insulated
glass. Check for weather stripping and
thresholds.
9
Step Nine
Look at the number, condition and size of
closets.
10
Step Ten
Be sure that the fireplace has a working
damper and is lined with terra cotta or
firebrick (as opposed to common brick,
which eventually deteriorates from intense
heat).
11
Step Eleven
Inspect floors and carpet for wear and tear
as well as for moisture damage.
12
Step Twelve
Determine if the walls, ceilings and floors
contain asbestos, which is a health hazard.
---------------------------------------------
HOW TO USE HOME INSPECTION REPORTS
TO NEGOTIATE SALE PRICE?
When you get the inspection report back on
a home you're looking to buy, you may be
able to use that report to negotiate the price.
Instructions
Steps1
Step One
Be sure your purchase contract includes an
inspection clause that makes your obligation
to purchase the home dependent on the
results of a professional home inspection
performed within a stated period of time
(usually 10 to 15 days) during the sales
transaction.
2
Step Two
Hire a professional home-inspection to
inspect the home within the contingency
period.
3
Step Three
Review the condition of each item listed on
the home inspection report; decide if the
condition of each item or component is
acceptable or unacceptable to you.
4
Step Four
Obtain estimates on repairs or replacements
described in the home inspection report if
estimates are not provided by the home
inspector.
5
Step Five
Compare your original offer to the estimated
costs of any repairs or replacements.
6
Step Six
Present an addendum to the sellers within
the contingency period at a reduced price to
cover the costs of repairs or replacements
or give the sellers the option of getting the
work done themselves.
HOW TO BUY A HOME ?
Home ownership is still very much a part of
the American dream but one that mandates
homework, legwork and considerable
effort on your part to ensure that the
process goes as smoothly as possible.
Here's how to make your dream a reality.
Instructions
STEPS TO TAKEStep One
Decide if it makes sense for you to buy a
house or keep renting. If your job keeps
you on the move, it may not be worth it.
You may need to stay put for at least three
years to recoup your closing costs. If your
desire to own a home is based on wanting
to create stability, keeping control over
your living situation, building equity and
investing in your future, go for it.
2
Step Two
Strengthen your credit: Pay off credit
cards, resolve any credit disputes or
delinquencies, and cancel unused cards.
Your credit rating takes into account both
how you use the credit you have available
and whether your available credit is too
high for your income. Call a credit
reporting agency and request a copy of
your credit report, which may cost $10 to
$15.
3
Step Three
Decide what sort of home you want. A
single-family home in good condition
offers instant livability. While it's more
work than a condominium, and likely more
expensive up front , you don't have to
share ownership. Or build equity quickly if
you have the skills and ample time by
purchasing a fixer-upper and making it
livable . Spec homes (new homes
constructed by a builder that don't have a
buyer yet) can also be a good deal if the
builder is eager to get its money out of the
project. Duplexes can be an excellent way
to generate income, by owning one half
and renting the other.
4
Step Four
Simplify your search by defining the area
you'd like to live in. Scout out what's
available in the vicinity. Look at prices,
home design, proximity to shopping,
schools and other amenities.
5
Step Five
Visit a few open houses to gauge what's on
the market and to see firsthand what you
want, such as overall layout, number of
bedrooms and bathrooms, kitchen
amenities, and storage.
6
Step Six
Use a mortgage calculator (such as one at
Quicken.com) to determine how much
house you can afford, whether renting or
buying is more advantageous for you right
now, and how much you'll likely be able to
borrow. However, take these figures with a
grain of salt; some are inaccurate. Get
prequalified to get the actual amount you
can pay . Most lenders allow you to put up
to 28 percent of your gross income or 36
percent of your net toward a house
payment.
7
Step Seven
Be ready to hand over a substantial down
payment. Most mortgages are based on
the buyer putting down 10 to 20 percent of
the purchase price. Putting down less up
front often requires you to pay private
mortgage insurance (PMI), which increases
your monthly housing cost.
8
Step Eight
Shop for a home on your own only if you
understand the tradeoffs. Most homes are
listed with agents to ensure that other
agents will have easy access to
information about the home.
9
Step Nine
Shop for a real estate agent who will
search for suitable properties, represent
your interests and negotiate on your
behalf. A buyer's representative can
evaluate the properties you view, do a
market analysis to determine its value in
the marketplace, select an appropriate
price to begin negotiations and advise you
in writing the contract.
10
Step Ten
Go into exhaustive detail when describing
to your agent what you want in a home:
number of bathrooms and bedrooms,
attached garage, land and anything else
that may be important, like good light or a
big enough yard for the kids. If your agent
shows you homes that aren't what you
want, find another one who listens more
attentively.
11
Step Eleven
Shop aggressively. Unless you're under
the gun time-wise, look at as many homes
as possible to get a sense of what's
available. Don't rush into buying if you
don't have to.
12
Step Twelve
Look beyond the home to the
neighborhood and the condition of nearby
homes to make sure you aren't buying the
only gem in sight. The area in which your
home is located is sometimes a bigger
consideration than the home itself, since it
has a major impact on your home's resale
value. Buying a fixer-upper in the right
neighborhood can be a great investment,
and being able to identify up-and-coming
communities--where more people want to
live--can lead you to a bargain property
that will only appreciate in value.
13
Step Thirteen
Visit properties you're seriously interested
in at various times of the day to check
traffic and congestion, available parking,
noise levels and general activities. What
may seem like a peaceful neighborhood at
lunch can become a loud shortcut during
rush hour, and you'd never know it if you
drove by only once.
14
Step Fourteen
Determine whether you need to sell your
current home in order to afford a new one.
If so, any offer to buy that you make will be
contingent on that sale. Contingent offers
are more risky and less desirable for the
seller, since the sale can't be completed
until the buyer's house is sold. You may
want to put your current house on the
market first.
15
Step Fifteen
Try not to fall in love with one particular
property. It's great to find exactly what you
need, but if you get your heart set on one
home, you may end up paying more than
it's worth because you're emotionally
invested. The deal may also fall apart.
16
Step Sixteen
Work with your agent to present an offer.
In many areas multiple offers are
commonplace; your agent should help you
craft a competitivebid that makes the most
of your financial assets. He or she can help
you determine how close to the asking
price you should be and, if your offer's
turned down, how to counteroffer.
17
Step Seventeen
Make sure final acceptance is predicated
on a suitable home inspection.
18
Step Eighteen
Include earnest money with your offer.
Your agent can assist in arriving at a
suitable amount--usually $1,000 to $5,000.
Once you sign an offer, you are officially in
escrow, which means you are committed to
buy the house or lose your deposit, unless
you do not get final mortgage approval.
During escrow (typically 30 to 90 days),
your lender arranges for purchase
financing and finalizes your mortgage. This
is also when all inspections must be
completed.
19
Step Nineteen
Request the following surveys and
reports: inspection, pests, dry rot, radon,
hazardous materials, landslides, flood
plains, earthquake faults and crime
statistics.
20
Step Twenty
Close escrow. This final step in buying a
home, usually conducted in a title office,
involves signing documents related to the
property and your mortgage arrangements.
The packet of papers includes the deed,
proving you now own the house, and the
title, which shows that no one else has any
claim to it or lien against it. If any issues
remain, money may be set aside in escrow
until they are resolved, which acts as an
incentive for the seller to quickly remedy
any problem areas in order to receive all
that is owed.
Home ownership is still very much a part of
the American dream but one that mandates
homework, legwork and considerable
effort on your part to ensure that the
process goes as smoothly as possible.
Here's how to make your dream a reality.
Instructions
STEPS TO TAKEStep One
Decide if it makes sense for you to buy a
house or keep renting. If your job keeps
you on the move, it may not be worth it.
You may need to stay put for at least three
years to recoup your closing costs. If your
desire to own a home is based on wanting
to create stability, keeping control over
your living situation, building equity and
investing in your future, go for it.
2
Step Two
Strengthen your credit: Pay off credit
cards, resolve any credit disputes or
delinquencies, and cancel unused cards.
Your credit rating takes into account both
how you use the credit you have available
and whether your available credit is too
high for your income. Call a credit
reporting agency and request a copy of
your credit report, which may cost $10 to
$15.
3
Step Three
Decide what sort of home you want. A
single-family home in good condition
offers instant livability. While it's more
work than a condominium, and likely more
expensive up front , you don't have to
share ownership. Or build equity quickly if
you have the skills and ample time by
purchasing a fixer-upper and making it
livable . Spec homes (new homes
constructed by a builder that don't have a
buyer yet) can also be a good deal if the
builder is eager to get its money out of the
project. Duplexes can be an excellent way
to generate income, by owning one half
and renting the other.
4
Step Four
Simplify your search by defining the area
you'd like to live in. Scout out what's
available in the vicinity. Look at prices,
home design, proximity to shopping,
schools and other amenities.
5
Step Five
Visit a few open houses to gauge what's on
the market and to see firsthand what you
want, such as overall layout, number of
bedrooms and bathrooms, kitchen
amenities, and storage.
6
Step Six
Use a mortgage calculator (such as one at
Quicken.com) to determine how much
house you can afford, whether renting or
buying is more advantageous for you right
now, and how much you'll likely be able to
borrow. However, take these figures with a
grain of salt; some are inaccurate. Get
prequalified to get the actual amount you
can pay . Most lenders allow you to put up
to 28 percent of your gross income or 36
percent of your net toward a house
payment.
7
Step Seven
Be ready to hand over a substantial down
payment. Most mortgages are based on
the buyer putting down 10 to 20 percent of
the purchase price. Putting down less up
front often requires you to pay private
mortgage insurance (PMI), which increases
your monthly housing cost.
8
Step Eight
Shop for a home on your own only if you
understand the tradeoffs. Most homes are
listed with agents to ensure that other
agents will have easy access to
information about the home.
9
Step Nine
Shop for a real estate agent who will
search for suitable properties, represent
your interests and negotiate on your
behalf. A buyer's representative can
evaluate the properties you view, do a
market analysis to determine its value in
the marketplace, select an appropriate
price to begin negotiations and advise you
in writing the contract.
10
Step Ten
Go into exhaustive detail when describing
to your agent what you want in a home:
number of bathrooms and bedrooms,
attached garage, land and anything else
that may be important, like good light or a
big enough yard for the kids. If your agent
shows you homes that aren't what you
want, find another one who listens more
attentively.
11
Step Eleven
Shop aggressively. Unless you're under
the gun time-wise, look at as many homes
as possible to get a sense of what's
available. Don't rush into buying if you
don't have to.
12
Step Twelve
Look beyond the home to the
neighborhood and the condition of nearby
homes to make sure you aren't buying the
only gem in sight. The area in which your
home is located is sometimes a bigger
consideration than the home itself, since it
has a major impact on your home's resale
value. Buying a fixer-upper in the right
neighborhood can be a great investment,
and being able to identify up-and-coming
communities--where more people want to
live--can lead you to a bargain property
that will only appreciate in value.
13
Step Thirteen
Visit properties you're seriously interested
in at various times of the day to check
traffic and congestion, available parking,
noise levels and general activities. What
may seem like a peaceful neighborhood at
lunch can become a loud shortcut during
rush hour, and you'd never know it if you
drove by only once.
14
Step Fourteen
Determine whether you need to sell your
current home in order to afford a new one.
If so, any offer to buy that you make will be
contingent on that sale. Contingent offers
are more risky and less desirable for the
seller, since the sale can't be completed
until the buyer's house is sold. You may
want to put your current house on the
market first.
15
Step Fifteen
Try not to fall in love with one particular
property. It's great to find exactly what you
need, but if you get your heart set on one
home, you may end up paying more than
it's worth because you're emotionally
invested. The deal may also fall apart.
16
Step Sixteen
Work with your agent to present an offer.
In many areas multiple offers are
commonplace; your agent should help you
craft a competitivebid that makes the most
of your financial assets. He or she can help
you determine how close to the asking
price you should be and, if your offer's
turned down, how to counteroffer.
17
Step Seventeen
Make sure final acceptance is predicated
on a suitable home inspection.
18
Step Eighteen
Include earnest money with your offer.
Your agent can assist in arriving at a
suitable amount--usually $1,000 to $5,000.
Once you sign an offer, you are officially in
escrow, which means you are committed to
buy the house or lose your deposit, unless
you do not get final mortgage approval.
During escrow (typically 30 to 90 days),
your lender arranges for purchase
financing and finalizes your mortgage. This
is also when all inspections must be
completed.
19
Step Nineteen
Request the following surveys and
reports: inspection, pests, dry rot, radon,
hazardous materials, landslides, flood
plains, earthquake faults and crime
statistics.
20
Step Twenty
Close escrow. This final step in buying a
home, usually conducted in a title office,
involves signing documents related to the
property and your mortgage arrangements.
The packet of papers includes the deed,
proving you now own the house, and the
title, which shows that no one else has any
claim to it or lien against it. If any issues
remain, money may be set aside in escrow
until they are resolved, which acts as an
incentive for the seller to quickly remedy
any problem areas in order to receive all
that is owed.
HOW TO RESPOND TO A
COUNTER OFFER ON A
HOME?
If the seller doesn't accept your offer, you still
have a chance. Look at the seller's counteroffer
to see if you can reach an agreement.
Steps
1
Step One
Compare the terms of the counteroffer to that of
your original offer. Compare the financial and
nonfinancial changes.
2
Step Two
Decide what items you are willing to accept and
which you will reject.
3
Step Three
Make changes to items that are unacceptable to
you.
4
Step Four
Add any new items that come up as a result of the
seller's counteroffer.
5
Step Five
Respond in a counter to the counteroffer, written
as counteroffer number two. (The first response
from the seller is counteroffer number one.)
6
Step Six
Put a date of expiration on your counteroffer.
Allow enough time for the seller to consider new
items, but not too much time - typically 24 to 72
hours.
7
Step Seven
Upon acceptance, open escrow and begin the
loan process.
Tips & Warnings
--------------------------
HOW TO BACK OUT OF A
CONTRACT ON A HOME FOR
SALE?
Contracts are easier to get into than out of - but it
can be done. Here are some strategies for
getting out of your obligation.
Steps
1
Step One
Consult a real estate broker or attorney and look
for contingencies (loopholes) in the contract,
such as inspections or documents that have yet
to be approved. Write a letter to the seller that
formally informs her that you disapprove of a
particular, unacceptable condition or document.
2
Step Two
Get a letter from the lender stating that, after
further inspection of financial documents, the
buyer (you) now does not qualify. Be prepared to
show proof.
3
Step Three
Provide documentation from an appraiser
showing a lower-than-originally-assumed value
for the property. (You'll still have to pay for the
appraisal, but it's cheaper than buying the house.)
4
Step Four
Be candid with the seller. Discuss the situation
and see if the seller is willing to allow you to back
out of the contract. By law, you can't be forced to
buy the property, but depending on how the
contract was written, the seller may be entitled to
keep your deposit.
Tips & Warnings
COUNTER OFFER ON A
HOME?
If the seller doesn't accept your offer, you still
have a chance. Look at the seller's counteroffer
to see if you can reach an agreement.
Steps
1
Step One
Compare the terms of the counteroffer to that of
your original offer. Compare the financial and
nonfinancial changes.
2
Step Two
Decide what items you are willing to accept and
which you will reject.
3
Step Three
Make changes to items that are unacceptable to
you.
4
Step Four
Add any new items that come up as a result of the
seller's counteroffer.
5
Step Five
Respond in a counter to the counteroffer, written
as counteroffer number two. (The first response
from the seller is counteroffer number one.)
6
Step Six
Put a date of expiration on your counteroffer.
Allow enough time for the seller to consider new
items, but not too much time - typically 24 to 72
hours.
7
Step Seven
Upon acceptance, open escrow and begin the
loan process.
Tips & Warnings
--------------------------
HOW TO BACK OUT OF A
CONTRACT ON A HOME FOR
SALE?
Contracts are easier to get into than out of - but it
can be done. Here are some strategies for
getting out of your obligation.
Steps
1
Step One
Consult a real estate broker or attorney and look
for contingencies (loopholes) in the contract,
such as inspections or documents that have yet
to be approved. Write a letter to the seller that
formally informs her that you disapprove of a
particular, unacceptable condition or document.
2
Step Two
Get a letter from the lender stating that, after
further inspection of financial documents, the
buyer (you) now does not qualify. Be prepared to
show proof.
3
Step Three
Provide documentation from an appraiser
showing a lower-than-originally-assumed value
for the property. (You'll still have to pay for the
appraisal, but it's cheaper than buying the house.)
4
Step Four
Be candid with the seller. Discuss the situation
and see if the seller is willing to allow you to back
out of the contract. By law, you can't be forced to
buy the property, but depending on how the
contract was written, the seller may be entitled to
keep your deposit.
Tips & Warnings
| ADVANTAGE OF REAL ESTATE INVESTMENT real estate investment also has its benefits. In terms of leverage, real estate is the far superior investment. Leverage means the capacity to use other people’s money, to include other investors in your acquisition of property. You can, of course, invest other people’s money in stocks, but it is harder to do and less reliable. Investors are more willing to invest in a property or a well-defined development project where they receive tangible results and returns. With greater likelihood of obtaining investors to collaborate with you, the possibility for investment expands, and you can invest more money in more properties and receive greater returns this way. In terms of taxes, real estate investing allows more tax deductions than stocks do. For real estate investments, you can deduct mortgage points and any money you spend in advertising, vacancies, or maintenance from your taxes. Capital gains vary from 5 percent to 25 percent and depend on how long you own the property and on your income tax bracket. By contrast, stock expenses are not deductible, and the government will take 15 percent off the top of your profit when you sell. Every form of investment has its benefits and drawbacks, but real estate investing has proven to be consistently reliable and more profitable in the long-run for those who commit to it. |
Why Real Estate
Investments?
Real estate investing has
created more millionaires
than any investment in
history.
The benefits of real estate investing are:
You can get started in your spare time!
No prior experience is required!
You don't need to quit your full-time job!
-----------------------------------------------------
ADVANTAGE OF REAL ESTATE INVESTMENT
real estate investment also has its benefits. In terms of
leverage, real estate is the far superior investment.
Leverage means the capacity to use other people’s
money, to include other investors in your acquisition of
property.
You can, of course, invest other people’s money in
stocks, but it is harder to do and less reliable. Investors
are more willing to invest in a property or a well-defined
development project where they receive tangible
results and returns.
With greater likelihood of obtaining investors to
collaborate with you, the possibility for investment
expands, and you can invest more money in more
properties and receive greater returns this way.
In terms of taxes, real estate investing allows more tax
deductions than stocks do. For real estate investments,
you can deduct mortgage points and any money you
spend in advertising, vacancies, or maintenance from
your taxes.
Capital gains vary from 5 percent to 25 percent and
depend on how long you own the property and on your
income tax bracket. By contrast, stock expenses are
not deductible, and the government will take 15 percent
off the top of your profit when you sell.
Every form of investment has its benefits and
drawbacks, but real estate investing has proven to be
consistently reliable and more profitable in the long-run
for those who commit to it.
Investments?
Real estate investing has
created more millionaires
than any investment in
history.
The benefits of real estate investing are:
You can get started in your spare time!
No prior experience is required!
You don't need to quit your full-time job!
-----------------------------------------------------
ADVANTAGE OF REAL ESTATE INVESTMENT
real estate investment also has its benefits. In terms of
leverage, real estate is the far superior investment.
Leverage means the capacity to use other people’s
money, to include other investors in your acquisition of
property.
You can, of course, invest other people’s money in
stocks, but it is harder to do and less reliable. Investors
are more willing to invest in a property or a well-defined
development project where they receive tangible
results and returns.
With greater likelihood of obtaining investors to
collaborate with you, the possibility for investment
expands, and you can invest more money in more
properties and receive greater returns this way.
In terms of taxes, real estate investing allows more tax
deductions than stocks do. For real estate investments,
you can deduct mortgage points and any money you
spend in advertising, vacancies, or maintenance from
your taxes.
Capital gains vary from 5 percent to 25 percent and
depend on how long you own the property and on your
income tax bracket. By contrast, stock expenses are
not deductible, and the government will take 15 percent
off the top of your profit when you sell.
Every form of investment has its benefits and
drawbacks, but real estate investing has proven to be
consistently reliable and more profitable in the long-run
for those who commit to it.
| REAL ESTATE HELP: SOUTH FLORIDA, CALL US AT: You will have unlimited access to expert in Real Estate Investments a professional Realtor and an experienced Mortgage Broker We will help you quickly and easily master proven real estate investing techniques and put cash in your pocket. We will help you Put together an action plan to get started immediately on your road to wealth. We will help you Uncover the hidden real estate deals that are overlooked by most investors. We will help you make offers that lead to money-making deals. We will help you Negotiate deals that work for you. ------------------------------------------------------ REAL ESTATE SUCCESS DO YOU WANT TO SUCCEED IN REAL ESTATE? LET ME HELP YOU! Be successful... even if you have no experience in real estate Generate large sums of monthly spendable cash Retire rich, reitire sooner than you ever thought possible Get started in your spare time |
REAL ESTATE INVESTMENT I know from personal experience that Real Estate is the simplest, faster, and most productive way to generate wealth; I mean significant sums of immediate cash, and it can help you lay the groundwork for even greater profits in the future. Think about this: If your home is the largest single investment you're likely to make in your life, doesn't it make sense that buying two, three or four houses could overtime have significant and positive impact on your financial security? ----------------------- FIND EXCEPTIONAL PROPERTIES IN EXCEPTIONAL LOCATION FOR EXCEPTIONAL PRICES WITH OUR EXCEPTIONAL SERVICE... SOUTH FLORIDA, CALL US AT: |
| BUYING A PIECE OF REAL ESTATE Because buying a home is a major financial obligation over a long period of time, it's important to have a competent and experienced real estate agent and a great mortgage broker to assist you. SOUTH FLORIDA CONTACT Mr. ANTHONY AT: ------------------------------------------ SHOP FOR REAL ESTATE PROPERTIES Shop for real estate properties with the help of a real estate professional; We can help you find the right home in the right location for the the right price. We can help you navigate through offers, counteroffers, financing and closings. We exercise reasonable skills and care to perform our duties, we deal with clients honestly and fairly. WE ARE LICENSED REALTOR & LICENSED MORTGAGE BROKER ---- SOUTH FLORIDA CALL AT: |
| HOW TO BUY A HOME, HOW TO INSPECT A HOME BEFORE BUYING, HOW TO MAKE AN OFFER ON A HOME, HOW TO RESPOND TO A COUNTER OFFER ON A HOME? LEARN ABOUT SELF DIRECTED IRA |
| KNOWLEDGEFINANCIALGROUP.COM |
| -------------------- 1. Traditional – The most common type of IRA account. The individual can contribute money each year and receive a tax deduction for the money contributed. The income earned in the account is tax-deferred and subject to income tax when withdrawals are made after age 59.5. ------------------------------ 2. ROTH – The individual can contribute money each year and does NOT receive a tax deduction for the money contributed. All income earned is tax free, and withdrawals at retirement are tax-free. ----------------------- 3. SEP – A Simplified Employee Pension is tied to a company and adopted by business owners for their employees. Contribution limits are MUCH larger than Traditional or ROTH IRAs, but since SEP accounts are treated as IRAs, funds can be invested the same way as any other IRA. ---------------------- 4. SIMPLE – Similar to a 401k, it’s an employer- sponsored plan in which the company can match employee contributions. -------------------------- 5. Education IRA – Also known as a COVERDELL ESA, it allows contributions to a plan that is eventually used for education. ALL of these can be a self-directed IRA for real estate investing. ----------------------------- So, What Is a Self-Directed IRA? Technically, all IRAs are self directed, in that you can direct which investments your IRA account is placed into. Traditionally, IRAs are invested in securities, CDs, money market, etc. A self-directed IRA is one in which you can direct your IRA funds into all assets permitted by law. -------------------------- Is It Legal to Invest My IRA in Real Estate? The IRS only excludes IRA investments in two assets–collectibles and insurance. That leaves pretty much everything else, including real estate, in play. ----------------------- So, Can I Invest in Real Estate Using My Fidelity IRA? In a word, no. Most of the larger financial institutions limit what you can direct your IRA investments into, namely securities, CDs, money market, etc. If you want to have a truly self-directed IRA, you’ll need to roll your funds into a different IRA custodian who will allow non-traditional assets as a permitted investment. Such custodians are more “boutique” operations that are set up to handle real estate, precious metals, private placements, etc. within an IRA. ------------------------- |
What Is the Cost of Using a
Self-Directed IRA Custodian?
Self-directed IRA custodians
charge more than the large
financial institutions.
In fact, a LOT more. Depending on what and
how many assets you move to a self-
directed custodian, the cost can be as much
as $300-$600 per year!
But, if you’re earning double-digit returns in
real estate with your IRA, you’ll quickly forget
about the hefty fees and be grateful for the
self-directed custodian.
---------------------------------
Can I Manage the Real Estate
IRA Assets?
Managing rental property or real estate
construction projects for your IRA account is
definitely in the grey area of the law.
You may get away with ministerial tasks, but
you cannot take a management or
construction fee on behalf of the assets, and
you certainly cannot perform services or
work on the assets personally.
--------------------------------
Can I Borrow Money from My
IRA to Buy Real Estate?
No, you cannot borrow from the IRA. The IRA
account itself purchases the real estate in its
own name, for example, “XYZ IRA
CUSTODIAN, INC. FOR BENEFIT OF
ACCOUNT #
------------------
Self-Directed IRA Custodian?
Self-directed IRA custodians
charge more than the large
financial institutions.
In fact, a LOT more. Depending on what and
how many assets you move to a self-
directed custodian, the cost can be as much
as $300-$600 per year!
But, if you’re earning double-digit returns in
real estate with your IRA, you’ll quickly forget
about the hefty fees and be grateful for the
self-directed custodian.
---------------------------------
Can I Manage the Real Estate
IRA Assets?
Managing rental property or real estate
construction projects for your IRA account is
definitely in the grey area of the law.
You may get away with ministerial tasks, but
you cannot take a management or
construction fee on behalf of the assets, and
you certainly cannot perform services or
work on the assets personally.
--------------------------------
Can I Borrow Money from My
IRA to Buy Real Estate?
No, you cannot borrow from the IRA. The IRA
account itself purchases the real estate in its
own name, for example, “XYZ IRA
CUSTODIAN, INC. FOR BENEFIT OF
ACCOUNT #
------------------
| Can I Spend the Income Earned from the Real Estate? Not before the age of your legal retirement age, and at that point the income taken out would be considered a “distribution,” which could be taxable. -------------------- How Difficult Is It to Run a Self- Directed IRA? Well, put it this way… There’s no instant, click- trading anymore. You have to fill out and fax a form to your custodian for each transaction, and it may takes days for them to execute the transaction. And a real estate rental can have several “transactions” a month (receive rent, pay mortgage, pay repairs), and each transaction has a fee associated with it. This can get expensive, not to mention cumbersome and time- consuming. ---------------------------- What is a “Checkbook” IRA? A checkbook IRA is a self-directed IRA set up so you have “checkbook” control of your IRA funds rather than directing the custodian what to do with the funds in and out of the IRA account. ------------------------- |
How to Fund Real Estate
Investments Through a
Self-Directed IRA
You’re probably aware of the significant
tax benefits available to real estate
investors who are using self-directed
IRAs.
--------------------
When it comes to real
estate investing with a self-
directed IRA, your options are
nearly limitless. You can choose between
direct property, notes, tax liens, REITs,
and more.
The most popular option
is typically direct property.
This category of real estate investment
has the potential to bring in steady
income through rental payments and
offers the most diversity in terms of
investment possibility.
------------------
you’re also aware of the diverse real
estate investment options available to
you through these retirement accounts.
Even so, the most common question I
hear is, “But what if I don’t have enough
money in my IRA?”
------------------------
Investments Through a
Self-Directed IRA
You’re probably aware of the significant
tax benefits available to real estate
investors who are using self-directed
IRAs.
--------------------
When it comes to real
estate investing with a self-
directed IRA, your options are
nearly limitless. You can choose between
direct property, notes, tax liens, REITs,
and more.
The most popular option
is typically direct property.
This category of real estate investment
has the potential to bring in steady
income through rental payments and
offers the most diversity in terms of
investment possibility.
------------------
you’re also aware of the diverse real
estate investment options available to
you through these retirement accounts.
Even so, the most common question I
hear is, “But what if I don’t have enough
money in my IRA?”
------------------------
A low account balance doesn’t
mean you can’t take
advantage of the IRA strategy.
It simply means that you’ll need to be more
creative when exploring your options!
Remember, you can always transfer funds
from an existing retirement account, such as
an old employer’s 401(k), into a self-directed
IRA.
If you’ve been saving for years, this transfer
should give you a nice cash cushion to use to
start investing in real estate.
-------------------------
One popular way to fund real estate
investments is to partner up with other funding
sources. You can partner your IRA with other
IRAs
----------------------
When purchasing a new asset, you can even
partner with disqualified persons, such as a
spouse or your own personal funds, to expand
your purchasing power.
The important thing to remember when
partnering on an investment is that the initial
division of ownership must remain consistent
throughout management of the asset.
------------------
For example, if you partner your self-directed
IRA with three other IRAs to purchase a
property, with each IRA owning a 25% stake in
the property, that ratio must be upheld on all
future transactions.
In other words, each IRA will be responsible
for 25% of the costs and expenses that arise,
and each IRA will collect 25% of any profits
generated from the real estate investment.
----------------------
mean you can’t take
advantage of the IRA strategy.
It simply means that you’ll need to be more
creative when exploring your options!
Remember, you can always transfer funds
from an existing retirement account, such as
an old employer’s 401(k), into a self-directed
IRA.
If you’ve been saving for years, this transfer
should give you a nice cash cushion to use to
start investing in real estate.
-------------------------
One popular way to fund real estate
investments is to partner up with other funding
sources. You can partner your IRA with other
IRAs
----------------------
When purchasing a new asset, you can even
partner with disqualified persons, such as a
spouse or your own personal funds, to expand
your purchasing power.
The important thing to remember when
partnering on an investment is that the initial
division of ownership must remain consistent
throughout management of the asset.
------------------
For example, if you partner your self-directed
IRA with three other IRAs to purchase a
property, with each IRA owning a 25% stake in
the property, that ratio must be upheld on all
future transactions.
In other words, each IRA will be responsible
for 25% of the costs and expenses that arise,
and each IRA will collect 25% of any profits
generated from the real estate investment.
----------------------
. Non-Recourse Loans
Another real estate IRA funding option is to
use leverage by securing a non-recourse
loan, though these are harder to come by now
that banks have tightened their lending
purses.
A non-recourse loan requires a pledge of
collateral, which could be the property you
are pursuing. If you default on the loan, the
lending institution can take ownership of the
property, but they will not be able to target the
IRA’s funds or other assets in pursuit of debt
collection.
-------------------
The IRS approves of IRAs using leverage,
however, it doesn’t approve of offering the
same tax advantages to leveraged funds
within an IRA.
In other words, using a non-recourse loan
could mean paying UDFI (Unrelated Debt-
Financed Income) taxes.
The IRS will collect UDFI taxes on any
retirement account income that came from the
use of borrowed cash.
--------------------
Here are a few most popular ways to invest in
real estate through a self-directed IRA and
what you should consider before choosing
one of these opportunities
--------------------
Another real estate IRA funding option is to
use leverage by securing a non-recourse
loan, though these are harder to come by now
that banks have tightened their lending
purses.
A non-recourse loan requires a pledge of
collateral, which could be the property you
are pursuing. If you default on the loan, the
lending institution can take ownership of the
property, but they will not be able to target the
IRA’s funds or other assets in pursuit of debt
collection.
-------------------
The IRS approves of IRAs using leverage,
however, it doesn’t approve of offering the
same tax advantages to leveraged funds
within an IRA.
In other words, using a non-recourse loan
could mean paying UDFI (Unrelated Debt-
Financed Income) taxes.
The IRS will collect UDFI taxes on any
retirement account income that came from the
use of borrowed cash.
--------------------
Here are a few most popular ways to invest in
real estate through a self-directed IRA and
what you should consider before choosing
one of these opportunities
--------------------
1. Undeveloped Land
This is the “blank canvas” of the real estate
world, undeveloped land represents a world of
possibility to investors. Once you own a piece of
undeveloped land, you have many long-term
options to produce investment return.
You could subdivide the land for development,
sell it to a developer, or even make a profit selling
the land to a government agency.
Purchasing undeveloped land is for investors
with long-term vision, as this strategy can take
decades to unfold. Investors looking to meet
short-term goals may want to explore other
options.
------------------------------
2. Single-Family Properties
The category of single-family dwellings consists
of rental properties. This strategy has both short-
term and long-term benefits.
The property can help bring consistent income
into your self-directed IRA, which can then be
filtered into additional investments.
Over the long-term, a home owned by your self-
directed IRA could eventually be an exit strategy.
Upon retirement, you could take the property as a
distribution and turn it into your retirement home!
-----------------------------------
3. Multi-Family Dwelling/I
Income producing properties
Apartments, duplexes, and other multi-family
properties create opportunities similar to those of
single-family dwellings, but on a larger scale.
Large apartment complexes can bring in
considerable rental income over the short- and
long-term, and could be converted into
condominiums in the right market.
Similarly, one of the units could eventually
become your retirement residence.
--------------------------------
4. Rehab Properties
Rehabbing Houses Top 10 Tips (Part 3) can be a
very lucrative short-term strategy for self-directed
IRA investors. Many have succeeded in turning a
foreclosure purchase into a hefty profit in the
right economic climate.
When flipping houses within an IRA, it is
important to remember that any money put into
the property after initial purchase must also come
from the IRA, so this strategy typically requires a
certain amount of cash available in the IRA to
rehab the property.
--------------------------------------
5. Commercial Real Estate
Commercial real estate covers a range of
investments, from parking lots to office buildings.
These are better long-term investments to bring in
consistent rental income throughout the life of the
IRA.
Self-directed IRA owners tend to make
these investments through an IRA-LLC, which
offers the potential for enhanced asset protection.
Before choosing the real estate investment that is
right for you and your self-directed IRA, take the
time to perform your due diligence.
Research the markets. Real estate often works in
cycles.
An investment that may have been beneficial in
one cycle may not pay off in another.
--------------------------------
This is the “blank canvas” of the real estate
world, undeveloped land represents a world of
possibility to investors. Once you own a piece of
undeveloped land, you have many long-term
options to produce investment return.
You could subdivide the land for development,
sell it to a developer, or even make a profit selling
the land to a government agency.
Purchasing undeveloped land is for investors
with long-term vision, as this strategy can take
decades to unfold. Investors looking to meet
short-term goals may want to explore other
options.
------------------------------
2. Single-Family Properties
The category of single-family dwellings consists
of rental properties. This strategy has both short-
term and long-term benefits.
The property can help bring consistent income
into your self-directed IRA, which can then be
filtered into additional investments.
Over the long-term, a home owned by your self-
directed IRA could eventually be an exit strategy.
Upon retirement, you could take the property as a
distribution and turn it into your retirement home!
-----------------------------------
3. Multi-Family Dwelling/I
Income producing properties
Apartments, duplexes, and other multi-family
properties create opportunities similar to those of
single-family dwellings, but on a larger scale.
Large apartment complexes can bring in
considerable rental income over the short- and
long-term, and could be converted into
condominiums in the right market.
Similarly, one of the units could eventually
become your retirement residence.
--------------------------------
4. Rehab Properties
Rehabbing Houses Top 10 Tips (Part 3) can be a
very lucrative short-term strategy for self-directed
IRA investors. Many have succeeded in turning a
foreclosure purchase into a hefty profit in the
right economic climate.
When flipping houses within an IRA, it is
important to remember that any money put into
the property after initial purchase must also come
from the IRA, so this strategy typically requires a
certain amount of cash available in the IRA to
rehab the property.
--------------------------------------
5. Commercial Real Estate
Commercial real estate covers a range of
investments, from parking lots to office buildings.
These are better long-term investments to bring in
consistent rental income throughout the life of the
IRA.
Self-directed IRA owners tend to make
these investments through an IRA-LLC, which
offers the potential for enhanced asset protection.
Before choosing the real estate investment that is
right for you and your self-directed IRA, take the
time to perform your due diligence.
Research the markets. Real estate often works in
cycles.
An investment that may have been beneficial in
one cycle may not pay off in another.
--------------------------------
| Real Estate: Luxury residences - luxury Homes For Sale - Luxury Properties In Luxury Communities. Aventura FL. -Sunny Isles Beach - Bal Habour - Surfside - North Bay Village, Miami Shores. ------------------------ Keystone Point, Keystone Island - Sans Souci Estates North Miami Homes For Sale. -------------------------- |
| Real Estate: I am committed to excellent service and making your real estate experience the best it can be! ---------- Real Estate Investing: Acquisitions, Listings, Selling, Renting, Consulting. Acquisition: We will help you find excellent properties in the area you prefer for the price you can afford. ------------- Listings: Having you a Real Estate Property For Sale? Let us help you put it on the market. With us is more advertisements, more exposures, more showings, more offers, and more money for your property. In 15 different languages that your real estate will be marketing and over 100 different websites, blogs, and social media pages. -------------- Selling: We will help you sell your property Fast & Quick for the top price With our multi marketing techniques. CONTACT US…786-6317740 ----------------- Consulting: We will help you in making decision to invest in real estate. Commercial or Residential, Houses, Condos, Town- Homes, Office buildings, Storage facilities, Retail centers, Warehouses, Residential apartment complexes, One of this should be suitable and beneficial to you. ------------ Renting: Are you looking for renting or leasing a real estate property in the South Florida Area? We can help.. ------------- CONTACT US with Questions, Comments, And Concerns to better serve you. ----------------- Your opinion counts, we accept suggestions to provide better quality service. ----------------- We will make every effort to answer you back within 24 hours. |
Please give me a call if
I can be of any
assistance in
determining how much
home you can afford in
today's market.
====
Professional Service
In order to maintain a very high
professional standards in order to provide
the best service possible, Anthony has
established a strong team of professionals
in different area of real estate, mortgage,
finance, insurance, title company to help
provide impeccable service to their clients
to ensure that every detail is handled with
perfection.
=====
=====
Home Buyers
How to Get Pre-Qualification And Pre-
Approved for a Mortgage Home Loan???
LEARN MORE About Pre-Qualification And
Pre-Approved Here, Right Here...
=====
Find homes for sale near you—anytime,
anywhere. With photo galleries and detailed
neighborhood maps, your future home will
be at your fingertips at knowledgefinancial.
com
======
Home Buyers
How much home can
you afford?
Buying a home is a big deal. We can help
you figure out how much money you have
to work with and bring clarity to your
mortgage process.
=====
Home Buyers
Find Your Dream
Home!
Whether you are looking for your first
home, your last, or something in between,
these buyer resources will help you along
your way!
====
Home Buyers
Here are a few things to think about as you
start your home search. Access these
buyer tips and educate yourself on today's
issues before making any offers.
Knowledge you gain today can save you
headaches down the road!
=====
Home Buyers or Home
Sellers
Do you have a real estate question? We
have the answers! Ask us a question
====
Home Buyers
How much home can you afford? Access
our finance center today and learn about
your options. Mortgage calculators, loan
programs, financing information and
options.
I can be of any
assistance in
determining how much
home you can afford in
today's market.
====
Professional Service
In order to maintain a very high
professional standards in order to provide
the best service possible, Anthony has
established a strong team of professionals
in different area of real estate, mortgage,
finance, insurance, title company to help
provide impeccable service to their clients
to ensure that every detail is handled with
perfection.
=====
=====
Home Buyers
How to Get Pre-Qualification And Pre-
Approved for a Mortgage Home Loan???
LEARN MORE About Pre-Qualification And
Pre-Approved Here, Right Here...
=====
Find homes for sale near you—anytime,
anywhere. With photo galleries and detailed
neighborhood maps, your future home will
be at your fingertips at knowledgefinancial.
com
======
Home Buyers
How much home can
you afford?
Buying a home is a big deal. We can help
you figure out how much money you have
to work with and bring clarity to your
mortgage process.
=====
Home Buyers
Find Your Dream
Home!
Whether you are looking for your first
home, your last, or something in between,
these buyer resources will help you along
your way!
====
Home Buyers
Here are a few things to think about as you
start your home search. Access these
buyer tips and educate yourself on today's
issues before making any offers.
Knowledge you gain today can save you
headaches down the road!
=====
Home Buyers or Home
Sellers
Do you have a real estate question? We
have the answers! Ask us a question
====
Home Buyers
How much home can you afford? Access
our finance center today and learn about
your options. Mortgage calculators, loan
programs, financing information and
options.
Get expert real estate advice
From neighborhood insights to how to start your home search, our
team of local experts is here to answer your questions.
======
Knowledgefinancial.com is Your Source for Florida Real Estate around
the globe..
=====
We offer unparalleled service to ALL clients in the South Florida area in the real estate market.
Your complete satisfaction with our service and representation is our number one priority. ANTHONY JEANTY,
REAL ESTATE PROFESSIONAL, REALTOR.
Single Family Homes - Condos - Waterfront Property - Commercial Real
Estate - Income Producing Property
ANTHONY JEANTY serves the entire South Florida real estate market including the surrounding communities
from Miami-Dade county, Broward county, Palm Beach County etc. Aventura Real Estate - Bal Harbour Real
Estate - Fort Lauderdale Real Estate - Hollywood Real Estate - Keystone Point Real Estate - Miami Beach Real
Estate - Miami Shores, Miramar Real Estate - North Bay Village, Pembroke Pines Real Estate - South Beach,
Sunny Isles Beach Real Estate - Palm Beach Real Estate - Broward County Real Estate , Fort Lauderdale
Area...
Whether you are considering buying a home, selling a home or both, we
know these areas inside and out. We will be able to help..
======
Some of the best properties for sale are displayed right here at knowledgefinancial.com . As expert in the
South Florida real estate market, we can provide you detailed information on these homes, or any others!
=====
The Real Estate Blog . Find out what's going on in today's real estate market. Our Real Estate Blog
provides fresh perspective on our market activity. Be sure to check these out!
=====
Email sudscriber: Be the first to know what's coming up for sale in the South Florida real estate
market with our New Property Listing Alerts! Just tell us what you're looking for and we'll email a daily update
of all homes listed for sale since your last update. You can unsubscribe at any time.
======
What's Your Home Worth: Receive a complimentary analysis of your home's approximate present value on
the market today.
=====
Let us know if there is something specific you are looking for and we'll
find what you need. Enjoy your visit and please contact us if there is
anything we can do to make your next home buying or home selling
experience the best it can be!
====
From neighborhood insights to how to start your home search, our
team of local experts is here to answer your questions.
======
Knowledgefinancial.com is Your Source for Florida Real Estate around
the globe..
=====
We offer unparalleled service to ALL clients in the South Florida area in the real estate market.
Your complete satisfaction with our service and representation is our number one priority. ANTHONY JEANTY,
REAL ESTATE PROFESSIONAL, REALTOR.
Single Family Homes - Condos - Waterfront Property - Commercial Real
Estate - Income Producing Property
ANTHONY JEANTY serves the entire South Florida real estate market including the surrounding communities
from Miami-Dade county, Broward county, Palm Beach County etc. Aventura Real Estate - Bal Harbour Real
Estate - Fort Lauderdale Real Estate - Hollywood Real Estate - Keystone Point Real Estate - Miami Beach Real
Estate - Miami Shores, Miramar Real Estate - North Bay Village, Pembroke Pines Real Estate - South Beach,
Sunny Isles Beach Real Estate - Palm Beach Real Estate - Broward County Real Estate , Fort Lauderdale
Area...
Whether you are considering buying a home, selling a home or both, we
know these areas inside and out. We will be able to help..
======
Some of the best properties for sale are displayed right here at knowledgefinancial.com . As expert in the
South Florida real estate market, we can provide you detailed information on these homes, or any others!
=====
The Real Estate Blog . Find out what's going on in today's real estate market. Our Real Estate Blog
provides fresh perspective on our market activity. Be sure to check these out!
=====
Email sudscriber: Be the first to know what's coming up for sale in the South Florida real estate
market with our New Property Listing Alerts! Just tell us what you're looking for and we'll email a daily update
of all homes listed for sale since your last update. You can unsubscribe at any time.
======
What's Your Home Worth: Receive a complimentary analysis of your home's approximate present value on
the market today.
=====
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find what you need. Enjoy your visit and please contact us if there is
anything we can do to make your next home buying or home selling
experience the best it can be!
====
Real Estate Investing: Single Family Properties... And The Four L = In Real Estate
------
Reasons to Invest in Single-Family Homes
I agree with Warren Buffett that single-family homes are an outstanding asset class for investors.
I like single-family home investing a lot better then gold, stocks, bonds or mutual funds.
I also love other income producing properties. Duplexes, Triplexes, Fourplexes, Small shopping Centers etc.
----------------------------
Here are reasons single-family homes make great investments.
1. Leverage – Maximize Your Return on Investment
Learning to use other people’s money for your investment will allow you to leverage your single-family homes 100%, which provides an infinite return on
investment.
Instead of investing your cash and using your credit, you can learn to buy single-family homes and invest your knowledge into your deals.
---------------------------------
2. Growth – Equity, Amortization, and Appreciation
All investments are expected to grow. There are a number of ways that single-family homes will grow your investment.
real estate investors know how to buy houses sale in every market. A $100,000 house can be bought for $70,000, which creates $30,000 of equity upon
purchase.
Additionally, if you finance your purchase with with a bank, you will enjoy amortization that comes with principle pay-down, so you owe less on your investment
each year
----------------------
3. Tax Benefits
As you begin investing in real estate and holding onto your investment, you realize there are a lot of great tax advantages that accompany your investments.
For example, rental income is considered to be passive income and not subject to self-employment tax.
Depreciation allows the investor 27.5 years of deductions on your property and the equipment that makes them habitable (heat pumps, appliances, etc.).
Mortgage interest is typically the investor’s single biggest annual expense, but the good news is … it’s deductible. Other expenses that can provide tax benefits
can include mileage, home office, repairs, etc.
----------------------
4. Cash Flow
Cash flow is my personal favorite reason for investing in single-family homes. Investing in hard assets that produce income is a huge benefit of buying and
holding single-family homes.
Your tenants pay your mortgages and your cash left over after all your expenses is your net cash flow.
Imagine making $300 per month in net cash flow and not having to work much to produce it.
If you invest in 15 houses, you could create $4,500 of monthly cash flow while enjoying all the other benefits of single-family homes.
------------------------------------------
5. Multiple Exit Strategies
A number of exit strategies can produce great results.
You can be a landlord and enjoy rental income; you can use lease options as your exit strategy; you can sell with seller financing and enjoy income from your
note, or you can sell the house outright to a new buyer (flip it).
If you seek to create cash flow and equity from selling with seller financing, please be sure to carefully study the new Dodd-Frank bill as it now regulates seller
financing.
-------------------------
6. Invest Locally
Every time you buy a single family home you are investing in your local main street instead of Wall Street.
You are improving your local city and neighborhoods one house at a time and providing housing solutions for the people in your local market.
It’s rewarding working locally and helping to improve our local markets and a huge side benefit of investing in single-family homes.
How about you? What are your top reasons for investing in single-family homes? Do you agree with
Anthony Realtor in the State of Florida?
---------------------------
Invest in Land for Infinite Opportunities
As the famous American humorist, Will Rogers, once said:
“Buy land. They ain’t making any more of the stuff Anymore.”
Finding and buying distressed land deals at significant price discounts is one of the most promising ways to help investors retire sooner rather than later
-----------------------------------------------------------
The Four L Test: Location, Lendability, Leverage, Liquidity
For better or for worse, money makes the world go ‘round. Financing gets me into and out of any and all real estate transactions. So as a savvy investor, learn
as many different investment and lending strategies as you can in order to prosper.
“The Four L Test” may help you simplify the complex world of real estate investing and finance. It’s a formula I’ve followed for years…
The Four L Test” may help you simplify the complex world of real estate investing and finance. It’s a formula I’ve followed for years.
--------------------------------
1. Location
Would you rather have a house located here or in the Midwest?
Where is the property located? As the saying goes, real estate is really just about three things: “Location, Location, and Location.”
That’s why the same 2,000 square-foot house located in California near the ocean costs over $1 million more than when located in the Midwest. Location.
How is the current job market in your area? Are the unemployment or underemployment rates in the high double-digits?
If so, the rental and resale markets may not be as stable as in other areas where the job markets are more robust.
Again, this has a huge impact on the location.
-----------------------------
2. Lendability
Historically, residential properties (1 to 4 units) were much easier to finance than any other type of real estate. Today, some commercial real estate loans may be
easier to qualify for and fund due to more flexible non-governmental mortgage lending options.
When considering whether to purchase a property, you need to know what sort of financing is readily available for that type of property. If you’re having trouble
qualifying for a loan for a certain type of property, then future buyers for your property may have challenges qualifying for loans as well.
In spite of the much higher percentage of all-cash buyers in recent years, more individual investors typically rely on third-party bank financing in order to
purchase properties.
Homes loans are typically easier to qualify for than land loans, apartment building, or commercial loans, and are more flexible for much higher leveraged loan
amounts.
For example, many lenders today prefer to make land loans only up to only 40% – 50% loan-to-value (LTV) partly due to the perceived risk of land.
Most apartment lenders may only lend up to 65% to 75% LTV, depending upon the income and expense history of the property.
You need to find out what type of money is available to get you into the deal and what type of money is available to get you out of the deal when you eventually
sell.
Historically, it’s access to the supply of capital (easy or not so easy) that is the driving force behind a “Boom” or “Bust” housing market.
In more flexible lending times, which include lower interest rates and easier loan underwriting guidelines, home and rental prices usually increase much higher
than during periods with much higher interest rates and less access to capital.
-----------------------
3. Leverage
Many of the factors within the “Lendability” category cross over into this category. How high of a LTV may an investor qualify for on the property type he’s
seeking to purchase?
Owner-occupied residential properties may be preferred by mortgage lenders up to 97% to 100% LTV for certain types of government-backed properties. Non-
owner-occupied properties, however, may only qualify for 65% to 75% LTV loans.
Since the onset of “The Credit Crisis” the Summer of 2007, a high percentage of 100% LTV programs have disappeared. With the higher loan amounts for more
highly leverage mortgages, can you still afford to make the monthly payment?
On the other hand, a property acquired with 0% to 5% down may appreciate 5%, 10%, 15%, or 20%+ per year in a strong market, which will provide the investor
with incredibly leveraged high cash-on-cash annual returns.
-------------------------
4. Liquidity
How quickly can I get my money out of the property in a sluggish economy, like we had for the past six or seven years?
If I am in need of cash within a relatively short period of time, can I expect to sell the property within 1, 3, 6, or even 12 months?
Residential properties usually sell faster in most regions since there are more buyers available for those types of properties rather than non-residential property
buyers who may be in search of multi-family apartments, retail shopping centers, or office buildings.
In today’s world of real estate and financing, it’s important to have as many different types of financing options available to both acquire and sell a property,
including
------
Reasons to Invest in Single-Family Homes
I agree with Warren Buffett that single-family homes are an outstanding asset class for investors.
I like single-family home investing a lot better then gold, stocks, bonds or mutual funds.
I also love other income producing properties. Duplexes, Triplexes, Fourplexes, Small shopping Centers etc.
----------------------------
Here are reasons single-family homes make great investments.
1. Leverage – Maximize Your Return on Investment
Learning to use other people’s money for your investment will allow you to leverage your single-family homes 100%, which provides an infinite return on
investment.
Instead of investing your cash and using your credit, you can learn to buy single-family homes and invest your knowledge into your deals.
---------------------------------
2. Growth – Equity, Amortization, and Appreciation
All investments are expected to grow. There are a number of ways that single-family homes will grow your investment.
real estate investors know how to buy houses sale in every market. A $100,000 house can be bought for $70,000, which creates $30,000 of equity upon
purchase.
Additionally, if you finance your purchase with with a bank, you will enjoy amortization that comes with principle pay-down, so you owe less on your investment
each year
----------------------
3. Tax Benefits
As you begin investing in real estate and holding onto your investment, you realize there are a lot of great tax advantages that accompany your investments.
For example, rental income is considered to be passive income and not subject to self-employment tax.
Depreciation allows the investor 27.5 years of deductions on your property and the equipment that makes them habitable (heat pumps, appliances, etc.).
Mortgage interest is typically the investor’s single biggest annual expense, but the good news is … it’s deductible. Other expenses that can provide tax benefits
can include mileage, home office, repairs, etc.
----------------------
4. Cash Flow
Cash flow is my personal favorite reason for investing in single-family homes. Investing in hard assets that produce income is a huge benefit of buying and
holding single-family homes.
Your tenants pay your mortgages and your cash left over after all your expenses is your net cash flow.
Imagine making $300 per month in net cash flow and not having to work much to produce it.
If you invest in 15 houses, you could create $4,500 of monthly cash flow while enjoying all the other benefits of single-family homes.
------------------------------------------
5. Multiple Exit Strategies
A number of exit strategies can produce great results.
You can be a landlord and enjoy rental income; you can use lease options as your exit strategy; you can sell with seller financing and enjoy income from your
note, or you can sell the house outright to a new buyer (flip it).
If you seek to create cash flow and equity from selling with seller financing, please be sure to carefully study the new Dodd-Frank bill as it now regulates seller
financing.
-------------------------
6. Invest Locally
Every time you buy a single family home you are investing in your local main street instead of Wall Street.
You are improving your local city and neighborhoods one house at a time and providing housing solutions for the people in your local market.
It’s rewarding working locally and helping to improve our local markets and a huge side benefit of investing in single-family homes.
How about you? What are your top reasons for investing in single-family homes? Do you agree with
Anthony Realtor in the State of Florida?
---------------------------
Invest in Land for Infinite Opportunities
As the famous American humorist, Will Rogers, once said:
“Buy land. They ain’t making any more of the stuff Anymore.”
Finding and buying distressed land deals at significant price discounts is one of the most promising ways to help investors retire sooner rather than later
-----------------------------------------------------------
The Four L Test: Location, Lendability, Leverage, Liquidity
For better or for worse, money makes the world go ‘round. Financing gets me into and out of any and all real estate transactions. So as a savvy investor, learn
as many different investment and lending strategies as you can in order to prosper.
“The Four L Test” may help you simplify the complex world of real estate investing and finance. It’s a formula I’ve followed for years…
The Four L Test” may help you simplify the complex world of real estate investing and finance. It’s a formula I’ve followed for years.
--------------------------------
1. Location
Would you rather have a house located here or in the Midwest?
Where is the property located? As the saying goes, real estate is really just about three things: “Location, Location, and Location.”
That’s why the same 2,000 square-foot house located in California near the ocean costs over $1 million more than when located in the Midwest. Location.
How is the current job market in your area? Are the unemployment or underemployment rates in the high double-digits?
If so, the rental and resale markets may not be as stable as in other areas where the job markets are more robust.
Again, this has a huge impact on the location.
-----------------------------
2. Lendability
Historically, residential properties (1 to 4 units) were much easier to finance than any other type of real estate. Today, some commercial real estate loans may be
easier to qualify for and fund due to more flexible non-governmental mortgage lending options.
When considering whether to purchase a property, you need to know what sort of financing is readily available for that type of property. If you’re having trouble
qualifying for a loan for a certain type of property, then future buyers for your property may have challenges qualifying for loans as well.
In spite of the much higher percentage of all-cash buyers in recent years, more individual investors typically rely on third-party bank financing in order to
purchase properties.
Homes loans are typically easier to qualify for than land loans, apartment building, or commercial loans, and are more flexible for much higher leveraged loan
amounts.
For example, many lenders today prefer to make land loans only up to only 40% – 50% loan-to-value (LTV) partly due to the perceived risk of land.
Most apartment lenders may only lend up to 65% to 75% LTV, depending upon the income and expense history of the property.
You need to find out what type of money is available to get you into the deal and what type of money is available to get you out of the deal when you eventually
sell.
Historically, it’s access to the supply of capital (easy or not so easy) that is the driving force behind a “Boom” or “Bust” housing market.
In more flexible lending times, which include lower interest rates and easier loan underwriting guidelines, home and rental prices usually increase much higher
than during periods with much higher interest rates and less access to capital.
-----------------------
3. Leverage
Many of the factors within the “Lendability” category cross over into this category. How high of a LTV may an investor qualify for on the property type he’s
seeking to purchase?
Owner-occupied residential properties may be preferred by mortgage lenders up to 97% to 100% LTV for certain types of government-backed properties. Non-
owner-occupied properties, however, may only qualify for 65% to 75% LTV loans.
Since the onset of “The Credit Crisis” the Summer of 2007, a high percentage of 100% LTV programs have disappeared. With the higher loan amounts for more
highly leverage mortgages, can you still afford to make the monthly payment?
On the other hand, a property acquired with 0% to 5% down may appreciate 5%, 10%, 15%, or 20%+ per year in a strong market, which will provide the investor
with incredibly leveraged high cash-on-cash annual returns.
-------------------------
4. Liquidity
How quickly can I get my money out of the property in a sluggish economy, like we had for the past six or seven years?
If I am in need of cash within a relatively short period of time, can I expect to sell the property within 1, 3, 6, or even 12 months?
Residential properties usually sell faster in most regions since there are more buyers available for those types of properties rather than non-residential property
buyers who may be in search of multi-family apartments, retail shopping centers, or office buildings.
In today’s world of real estate and financing, it’s important to have as many different types of financing options available to both acquire and sell a property,
including
Anthony Jeanty, Agent Anthony
Is Proud To Serve & To Help
The People In Miami Dade,
Broward & Palm Beach County,
Florida With Their Real Estate
Needs And Also Life Insurance.
------------
Thank You In Advance For
Thinking About Anthony
Jeanty, Agent Antony As Your
Potential Agent.
------------
Agent Anthony Is On Every
Social Media You Can Think Of.
Please Follow Us, Connect With
Us, Like Us...
'' Facebook / - / Twitter / - /
Linkedin / - / Trulia/Zillow / - /
Agent Athony Website / - /
'' Agent Anthony on Google+
Plus / - / '' Agent Anthony
Blogs / - / Agent Anthony
Webpage / - /
Agent Anthony Activerain / - /
Profile Of An Agent / - /
Is Proud To Serve & To Help
The People In Miami Dade,
Broward & Palm Beach County,
Florida With Their Real Estate
Needs And Also Life Insurance.
------------
Thank You In Advance For
Thinking About Anthony
Jeanty, Agent Antony As Your
Potential Agent.
------------
Agent Anthony Is On Every
Social Media You Can Think Of.
Please Follow Us, Connect With
Us, Like Us...
'' Facebook / - / Twitter / - /
Linkedin / - / Trulia/Zillow / - /
Agent Athony Website / - /
'' Agent Anthony on Google+
Plus / - / '' Agent Anthony
Blogs / - / Agent Anthony
Webpage / - /
Agent Anthony Activerain / - /
Profile Of An Agent / - /
| Anthony Jeanty, FL homes for sale and home listings. Search Anthony houses, condos, town-homes and single-family homes, commercial properties. Our extensive database of real estate listings provide the most comprehensive property details like home values, features and local school and neighborhood info so you can be sure that you have nearly all the facts you need upfront. Also search listings for Anthony Jeanty Open Houses.. Search For Listings '' Finding a home can be hard, but Anthony finding real estate properties is easy for clients. With Anthony Jeanty in south Florida no complicated process of finding a home. With Anthony, you can easily find the homes that meet your needs and fall within your means within your price range. Find Anthony Real Estate on social media, Facebook / - // Find AGENT ANTONY on Twitter / - / Find Antony Real Estate on Trulia / - / Find Anthony Real Estate blogs , excellent Homes For Sale blogs ; very educative and informative. Real Estate At The Blogger / - / Find Anthony Real Estate web page, gorgeous, magnificent information / - / '' Find Your Real Estate Agent In South Florida'' / - / We combine meaningful track records with expertise and professionalism to help you make a confident choice about buying real estate in Florida. '' Real Estate Home Buying / -/ Real Estate Home Selling /- / Real Estate Home Renting /- / Real Estate produced the second most self-made Billionaires list. Finding, Fixing, and Flipping, buying and hold properties is one way that people are making their way into real estate investing. -------------- How to Find Discount Properties? |
| '' How To Own Investment Homes - Income Producing Properties - The advantage of owning a real estate property. LEARN MORE... ----------- '' The south Florida Real Estate Market Update: Buying - Selling - Investing - Renting. LEARN MORE... -------------- '' Real Estate Info About: Single Family Home - Town-home - Co-Op - Condominiums - Commercial real estate - Timeshare. LEARN MORE... ------------- '' Real estate Portfolios. How To Find The Best Real Estate Investments? Do You Know That There are About At Least 10 Ten Different Ways To Invest In Real Estate? LEARN MORE.. -------------- Commercial Real Estate: Ways to Evaluate Commercial Property.. How To Get Involve In Commercial Properties? LEARN MORE... ---------------- '' Real Estate News And Blogs: '' Real Estate Investing Tools & Resources. LEARN MORE... ---------------- ' '' FREE Home Value Report! '' How Much Is This House Worth? '' Find Out Now For FREE Fast, Easy & Simple. - Free Comparative Market Analysis (CMA) - '' Free Broker's price opinions { B P O }... LEARN MORE... -------------- '' Home Inspection: Here's What Everyone Needs To Know About Home Inspectors & Inspection Step One - Step Two & Step Three.. LEARN MORE... --------------- '' Real Estate For Sellers // = // '' Real Estate For Buyers / '' Real Estate Listings // = |
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| '' Real Service For Investors, Buyers And Sellers... '' The Real Estate Blog three That Everyone Should Know About..? ---------------------------- '' Miami Beach - Bal Harbour - Sunny Isles Beach - Real Estate Listings And Homes For Sale... ----------- '' Miami Shores, Florida - Biscayne Park - El Portal Beautiful Homes For Sale; Real Estate Listings Of The Highest Quality... ------------- '' Aventura Florida - Williams Island - Sunny Isles Beach: Real Estate Listings, Homes, And Condos For Sale.. ----'' Bay Harbor Islands, FL - Surfside - North Bay Village Real Estate Listings & Homes For Sale '' Real Estate For Sellers // = // '' Real Estate For Buyers / '' Real Estate Listings // = // '' Commercial Real Estate Investing/''' / |
| Have you ever wished you could take advantage of the Florida lifestyle? By finding a residence with gorgeous amenities. Waterfront, bay view, ocean view, PROPERTIES WITH tennis court, swimming pool, fitness facility, guarded communities, family oriented neighborhood, enjoyable area, pet friendly neighborhood, spacious clubhouse, on site management for your convenience. CONTACT ANTHONY JEANTY THE SOUTH FLORIDA NEIGHBORHOOD REAL ESTATE AGENT... 786-631-7740 |
| We're here to make your real estate dream becomes a reality. I believe you deserve the best service, with one of the best professional in the real estate industry. ------------------ Homeowners; our sales have been excellent = We need your listings. Trust us we can sale your property faster than you can imagine. |
A Self-Directed IRA for Real Estate
Investing
Most of the larger financial institutions limit what you can
direct your IRA investments into, namely securities,
certificates of deposit, money market, etc.
If you want to have a truly self-directed IRA, you’ll need to
roll your funds into a different IRA custodian who will allow
non-traditional assets, such as real estate.
---------------------
An IRA Is an Individual Retirement
Account
Each individual can set up his or her own account and can
have more than one IRA account.
nest egg
Use a self-directed IRA to grow your nest egg!
IRA accounts fall into several categories, including:
---------------------
Investing
Most of the larger financial institutions limit what you can
direct your IRA investments into, namely securities,
certificates of deposit, money market, etc.
If you want to have a truly self-directed IRA, you’ll need to
roll your funds into a different IRA custodian who will allow
non-traditional assets, such as real estate.
---------------------
An IRA Is an Individual Retirement
Account
Each individual can set up his or her own account and can
have more than one IRA account.
nest egg
Use a self-directed IRA to grow your nest egg!
IRA accounts fall into several categories, including:
---------------------
-----
6. Tax Lien Certificates:
TAX LIEN CERTIFICATES: GOVERNMENT
BEST KEPT SECRET INVESTMENT OF ALL
TIME-
THE MOST BENEFICIAL, MOST LUCRATIVE,
THE SAFEST INVESTMENT.---
KNOWLEDGEFINANCIAL.COM
SECURE BY REAL ESTATE- GUARANTEE BY
THE GOVERNMENT.
Tax Lien Certificates: Guarantee
profits 10 to 36% This investments pay fix
rates guarantee no
matter what!!!
-------------------------------------
TAX LIEN CERTIFICATES, TAX
DEED, TAX RESALE
PROPERTIES.
Wealth without risk with tax
lien certificates. One and only
safe strategy to
build wealth: Tax Deed, Tax
Lien Certificates.
In tax lien certificates, you as an investor; you
have 2-two options only.
Option #1: the property owner pays you your
money, plus interest.
Option #2: owner does not pay; in that
case, you have the right to
foreclose on the property after the redemption
period ended.
Now you get the property for penny on the
dollar.
----------------------------------------
Before choosing the real estate investment
that is right for you and your self-directed IRA,
take the time to perform your due diligence.
Research the markets. Real estate often works
in cycles.
An investment that may have been beneficial in
one cycle may not pay off in another.
With life expectancy increasing and the social
security system in danger, the need for
retirement income is more necessary now than
ever.
What is that dollar going to be
worth 20 years from now?
How long will your nest egg
last?
These considerations are key to the decision-
making process. Real estate has long been a
profitable investment, as long as you know
what you’re doing.n
6. Tax Lien Certificates:
TAX LIEN CERTIFICATES: GOVERNMENT
BEST KEPT SECRET INVESTMENT OF ALL
TIME-
THE MOST BENEFICIAL, MOST LUCRATIVE,
THE SAFEST INVESTMENT.---
KNOWLEDGEFINANCIAL.COM
SECURE BY REAL ESTATE- GUARANTEE BY
THE GOVERNMENT.
Tax Lien Certificates: Guarantee
profits 10 to 36% This investments pay fix
rates guarantee no
matter what!!!
-------------------------------------
TAX LIEN CERTIFICATES, TAX
DEED, TAX RESALE
PROPERTIES.
Wealth without risk with tax
lien certificates. One and only
safe strategy to
build wealth: Tax Deed, Tax
Lien Certificates.
In tax lien certificates, you as an investor; you
have 2-two options only.
Option #1: the property owner pays you your
money, plus interest.
Option #2: owner does not pay; in that
case, you have the right to
foreclose on the property after the redemption
period ended.
Now you get the property for penny on the
dollar.
----------------------------------------
Before choosing the real estate investment
that is right for you and your self-directed IRA,
take the time to perform your due diligence.
Research the markets. Real estate often works
in cycles.
An investment that may have been beneficial in
one cycle may not pay off in another.
With life expectancy increasing and the social
security system in danger, the need for
retirement income is more necessary now than
ever.
What is that dollar going to be
worth 20 years from now?
How long will your nest egg
last?
These considerations are key to the decision-
making process. Real estate has long been a
profitable investment, as long as you know
what you’re doing.n
With an IRA you have the freedom to invest
in almost any form of real estate, including:
•Residential Income/Growth Properties,
•Commercial Properties, •Mortgage Notes
and Trust Deeds, •REITs
in almost any form of real estate, including:
•Residential Income/Growth Properties,
•Commercial Properties, •Mortgage Notes
and Trust Deeds, •REITs
Knowledge Financial Group -
Knowledgefinancial.com has helped
individual investors turn personal insights
and business experience into successful
alternative investment strategies. If you
want more control and investment
choices for your retirement, is the place
to start.
Discover the benefits of tax-advantaged
real estate investing
Knowledgefinancial.com has helped
individual investors turn personal insights
and business experience into successful
alternative investment strategies. If you
want more control and investment
choices for your retirement, is the place
to start.
Discover the benefits of tax-advantaged
real estate investing
| We at K.F.G. - KNOWLEDGEFINANCIALGROUP.COM, we take the complex process of financial investment and put it into a clear and concise road-map for everyone to appreciate our personal service and welcome the relief and peace of mind we afford to them as they take steps to assure the financial growth and safety of their retirement accounts. |
What Are Self-Directed IRAs?
How Self-Directed IRAs Let you
Invest in Anything?
Taxable vs. Tax-Deferred
Investment Accounts
A taxable account is pretty
much everything else...
Two Types of Investment
Accounts: Taxable vs.
Tax-Deferred
The first thing to understand about taxes
and investing is that different types of
investment accounts are taxed differently.
The type most investors begin investing
through is the tax-deferred account, such
as a 401(k) retirement plan, individual
retirement account, Roth IRA or Roth
401(k). When you invest in a tax-deferred
account, you do not pay annual income or
capital gains taxes on the earnings within
the account. Taxes are deferred for 401(k)
or IRA investments for as long as they
remain in the account, ideally until you
reach retirement age (currently at least 59
1/2). These accounts are also known as
tax-sheltered or tax-favored, because
investors can typically contribute pre-tax or
tax-deductible dollars in a 401k or IRA.
How Self-Directed IRAs Let you
Invest in Anything?
Taxable vs. Tax-Deferred
Investment Accounts
A taxable account is pretty
much everything else...
Two Types of Investment
Accounts: Taxable vs.
Tax-Deferred
The first thing to understand about taxes
and investing is that different types of
investment accounts are taxed differently.
The type most investors begin investing
through is the tax-deferred account, such
as a 401(k) retirement plan, individual
retirement account, Roth IRA or Roth
401(k). When you invest in a tax-deferred
account, you do not pay annual income or
capital gains taxes on the earnings within
the account. Taxes are deferred for 401(k)
or IRA investments for as long as they
remain in the account, ideally until you
reach retirement age (currently at least 59
1/2). These accounts are also known as
tax-sheltered or tax-favored, because
investors can typically contribute pre-tax or
tax-deductible dollars in a 401k or IRA.
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| '' What Are Self-Directed IRAs? How Self-Directed IRAs Let you Invest in Anything? How To Invest In Real Estate With IRA's, 401k's money? ----------- Commodity Trading: What Are Commodities? How to Invest in Commodities? How does commodity futures trading work? ---------- '' Oil Futures Trading 101 '' How To Start Investing In OIL AND GAS? A Guide To Investing In Oil Markets. = How to Buy Oil and Gas Royalties ? |
| The Ultimate Self-Directed IRA Self-Determined Road To Retirement A self-directed IRA offers the best of both worlds. You have the power and freedom to make your own investment decisions |
| A self-directed IRA—sometimes referred to as an “Alternative IRA”— is a retirement platform that allows the investor to diversify his or her savings beyond Wall Street, into real assets like real estate, gold, and more. With the addition of a Checkbook Control feature, you gain the flexibility and freedom to invest your own wealth, in real time, with no extra paperwork and no transaction fees. If you’re ready to diversify your savings out of volatile Wall Street stock and bonds, and you’re interested in driving your own retirement account, the Ultimate Self-Directed IRA is for you. Advantages of the Ultimate Self-Directed IRA The advantages of a self-directed IRA go beyond increased investment opportunities. What are your retirement funding fears? A volatile stock market? Too many fees? A self-directed IRA provides peace-of-mind for retirement in three primary ways: |
| The advantages of a self- directed IRA True diversity A self-directed IRA allows you to diversify your retirement savings into numerous options beyond Wall Street, including real estate, gold, and more. A stock market crash won’t decimate your retirement savings if you truly diversify, and invest your money in more than one place |
The advantages of a self-
directed IRA
Confidence in your
investments..
Invest in areas where you have personal
knowledge and understanding, instead of
relying on bank or brokerage firm’s choices.
After decades of building your wealth in your
area of expertise, shouldn’t you be able to
continue building your retirement there as well?
directed IRA
Confidence in your
investments..
Invest in areas where you have personal
knowledge and understanding, instead of
relying on bank or brokerage firm’s choices.
After decades of building your wealth in your
area of expertise, shouldn’t you be able to
continue building your retirement there as well?
| The advantages of a self-directed IRA Maximum wealth for retirement.. A self-directed IRA with Checkbook Control means that you can directly manage your investments without having to go through your custodian for each and every change. This arrangement eliminates transaction fees, as well as many maintenance and custodial fees. |
| Self-Directed IRA Eligibility Requirements Any taxpayer earning an income is eligible, and can open an Ultimate Self-Directed IRA. Self-directed retirement platforms are especially valuable to people with experience and expertise in fields suitable for retirement investing, such as real estate, business, gold, etc. Don’t let your investment options be limited to what your employer or brokerage firm offers. Translate your personal knowledge and experience into your retirement savings, and use your unique insight to drive your IRA investments in nearly any asset. ------------------ Setting up a self-directed IRA is easy. start the process by facilitating a new self-directed IRA. invest in, or rollover funds to, your new self-directed IRA. With the new self-directed IRA in place, funds from previous retirement accounts—IRAs, 401(k)s, Roth IRAs, SEP IRAs, 403(b)s, and profit- sharing plans like Keoghs—can be rolled over. set up a Limited Liability Company (LLC) for you, which will serve as the investing platform for the plan. Each LLC is customized to correctly adhere to the laws and regulations which govern self- directed IRA investment platforms. invest the self-directed IRA into the newly formed LLC, also known as ‘capitalization. ’ Essentially, you use the self- directed IRA funds to purchase the new LLC as an alternative asset investment. Once your new account is open, you can start investing immediately. You simply write a check from the LLC account for whatever investments you would like to make. Because the LLC is owned by the self-directed IRA, the assets you purchase are also, then, owned by your self-directed IRA. They become part of your retirement portfolio. |
| Assets for a Self-Directed IRA Your life experience is unique. The things that you have seen, done, and researched can benefit your retirement if you are able to invest where you recognize value. With a self-directed IRA, you can invest in a lot more than the narrow range of brokerage-selected stocks, bonds, and mutual funds (though your self-directed IRA can include those choices as well). The options available to you with a self- directed IRAThe options available to you with a self-directed IRA include: •Real estate (both directly owned and public and private REITs) •Foreclosures •Mortgages •Precious metals like gold and silver •Private businesses •Private loans •Private placements •Commodities •Intellectual property like movies, books, and songs •Stocks, bonds, and mutual funds •Tax liens |
| Prohibited Transactions for a Self-Directed IRA In addition to prohibited assets, there is also a short list of prohibited transactions for self-directed IRAs. Your self-directed IRA cannot: •Purchase property that either you or an immediate family member personally owns. •Purchase property from any persons who provide a service to your IRA plan, including investment advisors. •Lend money to a disqualified person (see below). •Do business with an entity in which a disqualified person owns 50% or more. Neither can you personally guarantee a loan for a real estate purchase. Because your retirement funds are being set aside on a tax-deferred basis to benefit you in the future, they cannot be used to benefit you— or anyone close to you—in the present. Disqualified persons include: •You •Your spouse •Your parents •Your grandparents •Your children (and their spouses) •Your grandchildren (and their spouses) •Your investment advisors •Anyone who provides a service to your retirement accounts A purchase that benefits you or your loved ones today is considered a withdrawal from your retirement account, and is subject to taxes and penalties. Self-Directed IRA Taxes and Legalities All IRAs, including self-directed IRAs, are subject to two potential taxable situations: •Unrelated Business Income Tax (UBIT)— When your self-directed IRA invests in a business, and that business produces a profit, that profit is taxable. •Unrelated Debt-Financed Income (UDFI)—If your self-directed IRA borrows money to invest in real estate, the percentage of profit from the borrowed funds is taxable. Self-Directed IRA Taxes and LegalitiesSelf- direction has been the intention for IRAs since congress created the retirement platform in 1974. However, banks and brokerage firms that made IRAs available were only set up to deal in Wall Street-style investments, so that’s all they’ve ever offered. The stock market’s struggles in 2008 alerted many Americans to the importance of true diversification, and truly self- directed retirement platforms began to gain popularity. If your accountant or lawyer questions the legality of the Checkbook IRA, you can point him or her to any of the following: |
"Have It Your Way" Retirement
Accounts: 4 Things to Know
About Self-Directed IRAs -
These tax-advantaged retirement accounts come
with options and risks that you may not be aware of...
Stocks. Mutual funds. Cattle? When it comes to
investing in individual retirement accounts (IRAs),
you might have more options than you think.
But those options may come with additional risk.
Some retirement savers want to look beyond stocks,
bonds, mutual funds, and other conventional
investments offered by standard IRAs.
For those interested in investing their IRA dollars in
alternative investments, whether it be real estate,
private placements, or even livestock, there's
another choice: self-directed IRAs.
According to IRS rules, IRAs can invest in just about
anything with the exception of life insurance, most
types of collectibles, and S corporation shares --
that is, shares in a company
Accounts: 4 Things to Know
About Self-Directed IRAs -
These tax-advantaged retirement accounts come
with options and risks that you may not be aware of...
Stocks. Mutual funds. Cattle? When it comes to
investing in individual retirement accounts (IRAs),
you might have more options than you think.
But those options may come with additional risk.
Some retirement savers want to look beyond stocks,
bonds, mutual funds, and other conventional
investments offered by standard IRAs.
For those interested in investing their IRA dollars in
alternative investments, whether it be real estate,
private placements, or even livestock, there's
another choice: self-directed IRAs.
According to IRS rules, IRAs can invest in just about
anything with the exception of life insurance, most
types of collectibles, and S corporation shares --
that is, shares in a company
that elects to pass corporate income and losses
through shareholders for tax purposes.
"Want to own cattle? A condo?" said Anthony from Buyheremarket
Enterprise - buyheremarket.blogspot.com -
Facebook.com/buyheremarket - That's all possible, said Levine. But if
you do, it's important to understand what you own and how you can make, or lose,
money.
A self-directed IRA can be set up as either a
traditional IRA or Roth IRA. The same potential tax
benefits of tax-deferred growth, or tax-free growth,
apply.
The same rules and restrictions associated with
standard IRAs apply to self-directed IRAs, too. For
example, while you can technically withdraw money
at any time, taking distributions before age 59-1/2
can trigger hefty penalties.
Sometimes people choose to save for retirement
using a self-directed IRA because they're an expert
in a certain field and want to capitalize on their
expertise while garnering the tax benefits of an IRA.
For instance, if you know a lot about real estate, you
might believe buying a building with your IRA could
be worthwhile.
The Retirement Industry Trust
Association (RITA), a self-directed IRA
industry trade group, estimates that assets in these
types of retirement accounts represent 3% to 5% of
total assets held in IRAs.
"Based on our members, it looks like the
self-directed part of the [IRA] market is increasing,"
"People want more diversification of their assets.
They want more control."
But before you think of using your hard-earned
retirement dollars to purchase even a single cow
with a self-directed IRA, it's important to know the
following four things...
Do your due diligence, and don't
expect an IRA custodian to do it for
you
When you open any kind of IRA account, you must
find an IRS-approved institution that will serve as
the account's custodian. With standard IRAs, this
might be a bank or a brokerage firm that offers
investment options.
With a self-directed IRA, there is a third-party
custodian, too, but this company simply serves as
an intermediary between you and the investment.
b The custodian holds and administers the assets,
and handles recordkeeping, but generally doesn't
assess the investment's value or legitimacy.
You, the account owner, are responsible for
choosing investments, evaluating them, and
keeping tabs. Don't expect the custodian to do any
of this work for you.
" If you decide to open a
self-directed IRA, it might make sense to
work with a financial professional who can help vet
and monitor your investments.
Certain transactions are prohibited -- and breaking
the rules can cost you
You might have more control over what you invest
in with a self-directed IRA, but you have to be
careful about what you do with those investments.
The IRS prohibits transactions
between an IRA account and the
account's owner, its beneficiary, or other
"disqualified persons," such as certain family
members.
The reasoning behind this: IRAs were created with
the idea of ensuring future retirement stability. Any
transactions conducted by an IRA must be for the
exclusive benefit of the retirement plan.
"For instance, if your self-directed IRA
account owns a condo, you can't live in it.
Nor can your child live there, even if that child is
paying rent.
What happens if you don't
follow the rules? Even if you make an
unintentional mistake, it will cost you. Typically, if an
IRA owner or another disqualified party engages in a
prohibited transaction, the IRA account loses its IRA
status as of the first day of the year that the
transaction took place.
"Your entire account balance is immediately
taxable," And you might have to pay a 10% penalty as
well.
through shareholders for tax purposes.
"Want to own cattle? A condo?" said Anthony from Buyheremarket
Enterprise - buyheremarket.blogspot.com -
Facebook.com/buyheremarket - That's all possible, said Levine. But if
you do, it's important to understand what you own and how you can make, or lose,
money.
A self-directed IRA can be set up as either a
traditional IRA or Roth IRA. The same potential tax
benefits of tax-deferred growth, or tax-free growth,
apply.
The same rules and restrictions associated with
standard IRAs apply to self-directed IRAs, too. For
example, while you can technically withdraw money
at any time, taking distributions before age 59-1/2
can trigger hefty penalties.
Sometimes people choose to save for retirement
using a self-directed IRA because they're an expert
in a certain field and want to capitalize on their
expertise while garnering the tax benefits of an IRA.
For instance, if you know a lot about real estate, you
might believe buying a building with your IRA could
be worthwhile.
The Retirement Industry Trust
Association (RITA), a self-directed IRA
industry trade group, estimates that assets in these
types of retirement accounts represent 3% to 5% of
total assets held in IRAs.
"Based on our members, it looks like the
self-directed part of the [IRA] market is increasing,"
"People want more diversification of their assets.
They want more control."
But before you think of using your hard-earned
retirement dollars to purchase even a single cow
with a self-directed IRA, it's important to know the
following four things...
Do your due diligence, and don't
expect an IRA custodian to do it for
you
When you open any kind of IRA account, you must
find an IRS-approved institution that will serve as
the account's custodian. With standard IRAs, this
might be a bank or a brokerage firm that offers
investment options.
With a self-directed IRA, there is a third-party
custodian, too, but this company simply serves as
an intermediary between you and the investment.
b The custodian holds and administers the assets,
and handles recordkeeping, but generally doesn't
assess the investment's value or legitimacy.
You, the account owner, are responsible for
choosing investments, evaluating them, and
keeping tabs. Don't expect the custodian to do any
of this work for you.
" If you decide to open a
self-directed IRA, it might make sense to
work with a financial professional who can help vet
and monitor your investments.
Certain transactions are prohibited -- and breaking
the rules can cost you
You might have more control over what you invest
in with a self-directed IRA, but you have to be
careful about what you do with those investments.
The IRS prohibits transactions
between an IRA account and the
account's owner, its beneficiary, or other
"disqualified persons," such as certain family
members.
The reasoning behind this: IRAs were created with
the idea of ensuring future retirement stability. Any
transactions conducted by an IRA must be for the
exclusive benefit of the retirement plan.
"For instance, if your self-directed IRA
account owns a condo, you can't live in it.
Nor can your child live there, even if that child is
paying rent.
What happens if you don't
follow the rules? Even if you make an
unintentional mistake, it will cost you. Typically, if an
IRA owner or another disqualified party engages in a
prohibited transaction, the IRA account loses its IRA
status as of the first day of the year that the
transaction took place.
"Your entire account balance is immediately
taxable," And you might have to pay a 10% penalty as
well.
There is potential for fraud
The Securities and Exchange Commission (SEC)
and the North American Securities
Administrators Association (NASAA) issued an
investor alert in 2011 warning investors of the
potential risks associated with investing via
self-directed IRAs.
The reason: the NASAA and the SEC had
noticed an increase in reports of investment
scams involving self-directed IRAs.
"The large amount of money held in
self-directed IRAs makes them attractive
targets for fraud promoters," the SEC and the
NASAA said in the alert.
"In particular, fraud promoters who want to
engage in Ponzi schemes or other fraudulent
conduct may exploit self-directed IRAs because
they permit investors to hold unregistered
securities," the alert noted.
Fraudsters try to trick investors by claiming
that custodians have validated the investments
in a self-directed IRA, when in reality
custodians have no obligation to do so.
How do you avoid getting trapped? Be wary of
unsolicited investment offers, ask questions,
and always be skeptical of anyone who
promises "guaranteed returns," the SEC
advised.
Understand what you're investing in and know
the risks
With self-directed IRAs, you're in control. But
with control comes responsibility.
"Know what you are investing in,". "If you are
really knowledgeable, a [self-directed IRA]
could be very valuable." But it's important to
ask yourself whether the freedom of picking
and choosing investments in your IRA is worth
the potential risks involved.
Because of the tax implications of a
self-directed IRA, you may want to consider
consulting with a tax specialist.
An Alert Investor is a smarter investor.
The $$$ Social Security bonus most retirees
completely overlook
If you're like most Americans, you're a few years
(or more) behind on your retirement savings.
But a handful of little-known
"Social Security secrets" could help ensure a
boost in your retirement income. For example:
one easy trick could pay you as much as $$$
more... each year!
Once you learn how to maximize your Social
Security benefits, we think you could retire
confidently with the peace of mind we're all
after.
The Securities and Exchange Commission (SEC)
and the North American Securities
Administrators Association (NASAA) issued an
investor alert in 2011 warning investors of the
potential risks associated with investing via
self-directed IRAs.
The reason: the NASAA and the SEC had
noticed an increase in reports of investment
scams involving self-directed IRAs.
"The large amount of money held in
self-directed IRAs makes them attractive
targets for fraud promoters," the SEC and the
NASAA said in the alert.
"In particular, fraud promoters who want to
engage in Ponzi schemes or other fraudulent
conduct may exploit self-directed IRAs because
they permit investors to hold unregistered
securities," the alert noted.
Fraudsters try to trick investors by claiming
that custodians have validated the investments
in a self-directed IRA, when in reality
custodians have no obligation to do so.
How do you avoid getting trapped? Be wary of
unsolicited investment offers, ask questions,
and always be skeptical of anyone who
promises "guaranteed returns," the SEC
advised.
Understand what you're investing in and know
the risks
With self-directed IRAs, you're in control. But
with control comes responsibility.
"Know what you are investing in,". "If you are
really knowledgeable, a [self-directed IRA]
could be very valuable." But it's important to
ask yourself whether the freedom of picking
and choosing investments in your IRA is worth
the potential risks involved.
Because of the tax implications of a
self-directed IRA, you may want to consider
consulting with a tax specialist.
An Alert Investor is a smarter investor.
The $$$ Social Security bonus most retirees
completely overlook
If you're like most Americans, you're a few years
(or more) behind on your retirement savings.
But a handful of little-known
"Social Security secrets" could help ensure a
boost in your retirement income. For example:
one easy trick could pay you as much as $$$
more... each year!
Once you learn how to maximize your Social
Security benefits, we think you could retire
confidently with the peace of mind we're all
after.
When you're ready to start
saving for retirement,
opening an IRA account with
a brokerage would be a
logical first step.
Many brokerage IRAs offer a vast assortment of
investment opportunities in stocks, bonds,
options, mutual funds, and ETFs, and make it
possible to trade from the comfort of your own
home.
Selecting the right brokerage for your IRA can be
difficult, if only because there are so many
brokers out there. Let's look at just two popular
discount brokers,
The price you pay to make a trade isn't
everything, but cost likely plays at least some
role in which brokerage is the best fit for your
IRA.
saving for retirement,
opening an IRA account with
a brokerage would be a
logical first step.
Many brokerage IRAs offer a vast assortment of
investment opportunities in stocks, bonds,
options, mutual funds, and ETFs, and make it
possible to trade from the comfort of your own
home.
Selecting the right brokerage for your IRA can be
difficult, if only because there are so many
brokers out there. Let's look at just two popular
discount brokers,
The price you pay to make a trade isn't
everything, but cost likely plays at least some
role in which brokerage is the best fit for your
IRA.
Minimum deposit requirement
for IRAs
You're in luck! Neither TD Ameritrade nor
requires minimum deposits to open an account
and start up an IRA. That said, there are some
practical limitations on no-minimum brokerage
accounts.
---
International stocks and ADR
investments
Most would agree that a truly diversified portfolio
includes companies that operate all around the
world.
Both TD Ameritrade and make it possible to
invest in foreign companies, but Vanguard is the
only one of the two that allows you to trade on
international stock markets..
--------------
Get out of debt. High-interest-rate debt,
such as that from credit cards, can be debilitating.
It's not unusual to be charged annual interest
rates of 25% or more,
-----------
Have an emergency fund. We all
need a plan for how we'll get by if we lose our job
or face a costly health crisis. You don't want to
have to drain a retirement account for that, so
stock an emergency fund with three to nine
months' worth of living expenses.
Get the paperwork done. No
matter how old you are, you need to have a will, a
durable power of attorney for finances, a living
will, and a healthcare power of attorney
(sometimes called a healthcare proxy). You might
also look into setting up an estate plan and a
trust, among other things.
-----------------
Have a retirement plan. Don't leave
your retirement up to chance. Figure out how
much money you'll need in retirement and how
you'll amass it.
Determine and plan for what your income sources
will be, too -- such as Social Security, savings,
pension income, and so on.
Appreciate the power of
compounding. If you don't already
appreciate the power of compounding, consider
this: Sock $10,000 away each year for 20 years and
if it grows by 10% each year, you'll end up with
about $494,000. If it grows for 21 years
for IRAs
You're in luck! Neither TD Ameritrade nor
requires minimum deposits to open an account
and start up an IRA. That said, there are some
practical limitations on no-minimum brokerage
accounts.
---
International stocks and ADR
investments
Most would agree that a truly diversified portfolio
includes companies that operate all around the
world.
Both TD Ameritrade and make it possible to
invest in foreign companies, but Vanguard is the
only one of the two that allows you to trade on
international stock markets..
--------------
Get out of debt. High-interest-rate debt,
such as that from credit cards, can be debilitating.
It's not unusual to be charged annual interest
rates of 25% or more,
-----------
Have an emergency fund. We all
need a plan for how we'll get by if we lose our job
or face a costly health crisis. You don't want to
have to drain a retirement account for that, so
stock an emergency fund with three to nine
months' worth of living expenses.
Get the paperwork done. No
matter how old you are, you need to have a will, a
durable power of attorney for finances, a living
will, and a healthcare power of attorney
(sometimes called a healthcare proxy). You might
also look into setting up an estate plan and a
trust, among other things.
-----------------
Have a retirement plan. Don't leave
your retirement up to chance. Figure out how
much money you'll need in retirement and how
you'll amass it.
Determine and plan for what your income sources
will be, too -- such as Social Security, savings,
pension income, and so on.
Appreciate the power of
compounding. If you don't already
appreciate the power of compounding, consider
this: Sock $10,000 away each year for 20 years and
if it grows by 10% each year, you'll end up with
about $494,000. If it grows for 21 years
Spend less. Spending less will help you
save more. Devote a few months to tracking all
your spending, to see where your money goes.
Then draft a budget and stick to it.
Live below your means -- such as by
using coupons, comparing prices before buying,
bypassing some luxuries, and brown-bagging some
lunches.
--------------
Catch up, if you can. If your
retirement savings are well below where they
should be, take some drastic steps to beef them up.
The earlier you do this, the longer your money can
grow for you. You might take on a second job for a
few years, or regularly do some extra work on the
side, such as tutoring or giving music or language
lessons.
--------------
Invest more effectively. Is your
portfolio full of many stocks you bought and forgot
about? Aim to only hold stock in companies that
you have researched, kept up with, and have great
confidence in.
If you don't have the ability or interest in deciding
which stocks to buy and when to sell, simply opt for
one or more inexpensive broad-market index
funds. The SPDR S&P 500 ETF
save more. Devote a few months to tracking all
your spending, to see where your money goes.
Then draft a budget and stick to it.
Live below your means -- such as by
using coupons, comparing prices before buying,
bypassing some luxuries, and brown-bagging some
lunches.
--------------
Catch up, if you can. If your
retirement savings are well below where they
should be, take some drastic steps to beef them up.
The earlier you do this, the longer your money can
grow for you. You might take on a second job for a
few years, or regularly do some extra work on the
side, such as tutoring or giving music or language
lessons.
--------------
Invest more effectively. Is your
portfolio full of many stocks you bought and forgot
about? Aim to only hold stock in companies that
you have researched, kept up with, and have great
confidence in.
If you don't have the ability or interest in deciding
which stocks to buy and when to sell, simply opt for
one or more inexpensive broad-market index
funds. The SPDR S&P 500 ETF
Consider including dividend
payers in your portfolio. The power
of dividends is underappreciated. Researchers ,
studying data from 1927 to 2014, found that
dividend payers outperformed non-payers,
averaging 10.4% annual growth vs. 8.5%.
------------
Keep fees in check. You're charged
fees all over your financial life -- in your
investment accounts, bank accounts, mutual
funds, retirement accounts, and so on.
Spend a little time taking inventory of them and
see whether you might switch to some lower-cost
options..
-----------
Simplify financial accounts.
Many of us have accumulated lots of bank
accounts and investments accounts, from various
jobs and towns and points in our lives. Consider
consolidating some of them, so that they're easier
to stay on top of.
Rebalance your portfolio
regularly. If you haven't rebalanced your
portfolio in a long time, you may be far from your
desired allocation of, say, 10% in international
stocks, 20% in bonds, and 70% in U.S. stocks.
If so, you'll have too many or too few eggs in
various baskets. Sell off assets from the too-full
basket and add to the not-full-enough one.
------------------
payers in your portfolio. The power
of dividends is underappreciated. Researchers ,
studying data from 1927 to 2014, found that
dividend payers outperformed non-payers,
averaging 10.4% annual growth vs. 8.5%.
------------
Keep fees in check. You're charged
fees all over your financial life -- in your
investment accounts, bank accounts, mutual
funds, retirement accounts, and so on.
Spend a little time taking inventory of them and
see whether you might switch to some lower-cost
options..
-----------
Simplify financial accounts.
Many of us have accumulated lots of bank
accounts and investments accounts, from various
jobs and towns and points in our lives. Consider
consolidating some of them, so that they're easier
to stay on top of.
Rebalance your portfolio
regularly. If you haven't rebalanced your
portfolio in a long time, you may be far from your
desired allocation of, say, 10% in international
stocks, 20% in bonds, and 70% in U.S. stocks.
If so, you'll have too many or too few eggs in
various baskets. Sell off assets from the too-full
basket and add to the not-full-enough one.
------------------
Rebalance your portfolio
regularly. If you haven't rebalanced your
portfolio in a long time, you may be far from
your desired allocation of, say, 10% in
international stocks, 20% in bonds, and 70% in
U.S. stocks.
If so, you'll have too many or too few eggs in
various baskets. Sell off assets from the
too-full basket and add to the not-full-enough
one...
------------------------
Consider opening and/or
funding a traditional IRA. In
2017, as in 2016, you can contribute up to
$5,500 to one or more traditional or Roth
IRA(s) -- in total. If you're 50 or older, the limit
is $6,500. With a traditional IRA, a $5,500
contribution will reduce your taxable income
by $5,500 --
-----------------
Consider opening and/or
funding a Roth IRA. With a Roth
IRA, a $5,500 contribution has no effect on
your taxes in the contribution year. But follow
the Roth IRA rules, and you'll be able to
withdraw all your contributions and earnings
tax-free!
If your Roth IRA swells to $100,000 over time,
that can all be tax-free income in retirement.
16.Make the most of your
401(k). 401(k)s have much higher
contribution limits -- for 2017, it's $18,000 plus
$6,000 for those 50 or older -- so aim to
contribute generously to them, at least
enough to take full advantage of any available
matching funds. That's free money, after all.
17.Get your spouse on
board, too. Be sure that you and your
spouse are on the same page financially,
working together to save and invest. If only
one is doing so while the other is spending or
racking up debt, you're headed for trouble.
Your nest egg can grow much more quickly
with two people contributing to it.
regularly. If you haven't rebalanced your
portfolio in a long time, you may be far from
your desired allocation of, say, 10% in
international stocks, 20% in bonds, and 70% in
U.S. stocks.
If so, you'll have too many or too few eggs in
various baskets. Sell off assets from the
too-full basket and add to the not-full-enough
one...
------------------------
Consider opening and/or
funding a traditional IRA. In
2017, as in 2016, you can contribute up to
$5,500 to one or more traditional or Roth
IRA(s) -- in total. If you're 50 or older, the limit
is $6,500. With a traditional IRA, a $5,500
contribution will reduce your taxable income
by $5,500 --
-----------------
Consider opening and/or
funding a Roth IRA. With a Roth
IRA, a $5,500 contribution has no effect on
your taxes in the contribution year. But follow
the Roth IRA rules, and you'll be able to
withdraw all your contributions and earnings
tax-free!
If your Roth IRA swells to $100,000 over time,
that can all be tax-free income in retirement.
16.Make the most of your
401(k). 401(k)s have much higher
contribution limits -- for 2017, it's $18,000 plus
$6,000 for those 50 or older -- so aim to
contribute generously to them, at least
enough to take full advantage of any available
matching funds. That's free money, after all.
17.Get your spouse on
board, too. Be sure that you and your
spouse are on the same page financially,
working together to save and invest. If only
one is doing so while the other is spending or
racking up debt, you're headed for trouble.
Your nest egg can grow much more quickly
with two people contributing to it.
Pay off your mortgage
before retiring. Consider paying off
your home loan before you retire so that you
don't have mortgage payments to make on
your more limited income. It can make
retirement less stressful.
----------------------------
19.Consider an annuity.
Consider buying a fixed annuity to provide
some retirement income. With a $200,000
investment, for example, a 70-year-old couple
might be able to secure $1,000 per month for
as long as at least one of them is alive.
That can provide much peace of mind. A
deferred annuity, that starts paying at a future
time, costs less and can keep you from running
out of money.
------------------
Look into long-term care
insurance. Long-term care
can be very costly -- which is why
insurance for it is costly, too. The earlier you
buy it, the less it will cost, so give it some
thought.
Less wealthy folks probably can't afford it and
wealthy folks might just pay for care on their
own if it's needed, so middle income people
are the ones who have the toughest decision.
See how much it would cost you and if it seems
worthwhile.
22.Tend to your health --
now and later. A key way to enjoy
retirement more and to have it cost less is to
be in good health and stay that way -- if you
can. You may be able to save a lot of years and
dollars by getting fitter -- eating more
nutritiously and exercising. As you approach
age 65, be sure to read up on your Medicare
options, too.
before retiring. Consider paying off
your home loan before you retire so that you
don't have mortgage payments to make on
your more limited income. It can make
retirement less stressful.
----------------------------
19.Consider an annuity.
Consider buying a fixed annuity to provide
some retirement income. With a $200,000
investment, for example, a 70-year-old couple
might be able to secure $1,000 per month for
as long as at least one of them is alive.
That can provide much peace of mind. A
deferred annuity, that starts paying at a future
time, costs less and can keep you from running
out of money.
------------------
Look into long-term care
insurance. Long-term care
can be very costly -- which is why
insurance for it is costly, too. The earlier you
buy it, the less it will cost, so give it some
thought.
Less wealthy folks probably can't afford it and
wealthy folks might just pay for care on their
own if it's needed, so middle income people
are the ones who have the toughest decision.
See how much it would cost you and if it seems
worthwhile.
22.Tend to your health --
now and later. A key way to enjoy
retirement more and to have it cost less is to
be in good health and stay that way -- if you
can. You may be able to save a lot of years and
dollars by getting fitter -- eating more
nutritiously and exercising. As you approach
age 65, be sure to read up on your Medicare
options, too.
Give your retirement serious
thought. Don't just daydream about
retirement. As it approaches, think about it in
detail.
Think about where you want to live or where it
makes most sense to live, financially or socially.
Think about what you will do in retirement to
keep boredom away and whether you'll want or
need to find a part-time job for a while.
See whether there any steps you might take
now to prepare, such as visiting areas where
you might move or exploring employment
possibilities...
thought. Don't just daydream about
retirement. As it approaches, think about it in
detail.
Think about where you want to live or where it
makes most sense to live, financially or socially.
Think about what you will do in retirement to
keep boredom away and whether you'll want or
need to find a part-time job for a while.
See whether there any steps you might take
now to prepare, such as visiting areas where
you might move or exploring employment
possibilities...
'' Banking And
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'' Investing Basic ''
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Finance ''
'' Investing Basic ''
'' Investing In Stocks ''
'' Investing In Mutual
Funds ''
'' Investing In Index
Funds ''
'' Investing For
Retirement ''
'' Investing In
Insurance ''
'' Investing In Bonds ''
'' Investing In
Residential Real
Estate''
'' Investing In
Commercial Real
Estate''
'' Investing In Tax Lien
Certificates ''
'' Investing In Forex
Market ''
'' Accounting Basic ''
'' Personal Finance ''
'' Fortune Builder ''
'' Wall Street Market
Millionaire ''
'' 101 Ways To Make
Money ''
'' Retirement Planning
''
'' IRA's - 401k's -
Pension Plan ''
'' Life Insurance ''
'' Business Start Up ''
'' Business Blogs ''
'' Investing Blogs
'' Financial Blogs''
'' Financial Literacy ''
'' Money Management
''
'' American Dollar ''
'' Millionaire Mind Set ''
'' Earned Income''
'' Passive Income ''
'' Portfolio Income ''
'' Residual Income ''
'' Free Credit Report ''
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