Real Estate Investment Opportunity

Pre Foreclosure status means the owner of the property has defaulted on his mortgage obligation and the lender is taking steps to foreclose on the loan and take possession of the property. This situation places the property owner and the lender in a disadvantaged position. But it may not be too late for the property owner to work things out with his lender.  At the same time the lender may be interested in allowing a short sale (sale of the property for less than the amount owed) just to avoid the costly process of foreclosure on the loan, and then the expense of marketing the property. That leaves open the opportunity for a real estate investor to come in and solve the problem for both parties.

That’s where I come in.

I’ll be your strategy consultant who helps you [the investor] with your real estate investments planning. As a Real Estate investment consultant, unlike a Real Estate broker or sales agent, I’ll do more in-depth work on formulating your investment strategies, helping you [my client] fulfill your needs and goals.

Real Estate has long been recognized as a valuable addition to the traditional stock and bond portfolio model. Yet most investors struggle to efficiently access the asset class, where finding quality investment opportunities requires relationships and local expertise. That’s where I come in.

Investments and asset allocation. Where to Invest?

10 Things You Should Never Apologise For…Ever!

Ever wondered why people say sorry for certain things when there really is no need to apologise? Or have you ever had someone dismiss you and belittle your feelings saying that they’re not valid or relevant? Well here’s a list of the 10 Things You Should Never Apologise For.

I’m not sorry and you shouldn’t be either for…

1. How you feel

Expressing the way you feel (and I mean really feel about something) is a gift. When you tell someone about the way you feel on a certain subject you should never think twice about apologising for expressing your personal perspective. That is, unless it’s harmful to the other person or intended to manipulate the situation. Letting people know where you’re at and how you feel is so important. If you don’t express your true feelings then they get swept under the carpet and you get sick. Seriously, they will fester and implode within your soul like a stink bomb.

AFFIRMATION: It is safe for me to express my truth and the way that I feel.

2. What makes you laugh

Your sense of humour is your own set-point of uniqueness. The beauty of the human condition is that there are so many beautiful types of humor and no ‘one size fits all’ solution. Whether you laugh at poo jokes, videos of kittens or even Japanese signs with amusing English translation failures – always be unapologetic for what makes you giggle. Life is funny. 

AFFIRMATION: The things that amuse me feed my soul.

3. What you believe in

This should be a deal breaker in relationships. Yes, we know that the fine art of conversation means avoiding the themes of politics or religion – however, if you have to say sorry for what you believe in, no matter what it is, you’re moving in the wrong circles. You have 100% permission to believe in whatever you wish as long as you don’t intentionally hurt people in order to prove a point.

AFFIRMATION: My beliefs are my own and the compass for my soul.

4. Your past

Yes, you might have done a turd and mailed it to a high school bully. Yes, it might have been nearly 20 years ago – however no one can make you say sorry for the silly stuff you did in the past. Unless, it was illegal or the overwhelming need for some sort of exchange of forgiveness to take place.

On the other hand you might have been dating two guys at once when you were younger and your present husband brings it up in fights. The basic rule is this…when something happens before you’re in someone’s life, then technically it has nothing to do with them.

AFFIRMATION: The past is over, the memories are pretty funny though.

5. Your future and your dreams

Never apologise for your dreams or what you want for your future. However, make room for compromise if you are in a long term situation with others so that you’re not appearing to be totally self-involved. Make your dreams happen, never apologise for dreaming.

AFFIRMATION: I allow myself to create an amazing future.

6. Your body or your weight

If you’re apologising for the way your body looks then stop it. You need to own your body –  the shape, the texture, the fact that it keeps you alive and HONOUR IT. Saying sorry to someone because you’re too big, too small, too green…whatever…is harmful to your heart. If someone can’t love you enough to know that perfection is mythical, then they need their soul Photoshopped.

AFFIRMATION: I am enough.

7. Your children

Unless they are throwing their own poo around in a restaurant or yelling out vulgarities to others, then never apologise for your children. Kids are supposed to behave like kids. And if you do encounter the grouch that speaks up and makes you feel like you need to apologise for your children then gently remind them that they once were kids too.

AFFIRMATION: Kids are vibrant, messy, loud, beautiful souls that need space to be creative.

8. How much you earn

Money is a sore spot and a tender subject for a lot of people. Never feel the need to apologise for earning too much or not earning enough. Money is an exchange for energy, that’s all. So when you’re saying sorry for having too little or even too much, then you are making a very powerful affirmation to the Universe to cease the flow of abundance.

AFFIRMATION: It is safe for me to allow more abundance into my life and feel comfortable to share my wealth when it flows with ease.

9. Your personal/emotional boundaries

You draw the line when it comes to saying something isn’t okay. We should all learn to assert our boundaries and not be apologetic for our decisions that enforce our own emotional safety.

AFFIRMATION: It’s okay, when I say it’s okay.

10. Your sexuality

This one should be the most obvious, kind of like apologising for your skin colour. No matter what your sexual orientation is, you must never need to apologise to someone because of it unless it’s used in the context of ‘Sorry, I’m flattered but I’m a lesbian.’

AFFIRMATION: My sexuality never needs to be explained.

Patrick Iturra is Back (2019)

I return to the Social Networks: (English Subtitles)

Greetings from El Mirage, CA. This time with my son, driving  at more than 150 mph (240 kph) that was exciting.

I announce that I will return with our Online meetings with the entire Financial Education Team. Stay in Contact.

Video: El Mirage, CA. Car: Lamborghini Huracan Music: Matthew Iturra: https://soundcloud.com/matthew-iturra/imploded

10 Cryptocurrences To Watch In 2019

Earlier this month, arguably the biggest blockchain week in the world kicked off in New York City with CoinDesk’s Consensus event. A previous interview that covered blockchain technology led to a deeper look at the technologies, founders, and companies that are emerging in the industry.

While some of the best projects on display were infrastructure-related, like public blockchains, others were more focused on ancillary services. The teams of these innovative blockchain startups are global, cutting-edge and typically include early blockchain adopters as founders.

KaratGoldCoin was named by Forbes magazine in the top 10. The list shows the 10 companies that work to make Cryptocurrencies more accessible, prominent and general. KaratGoldCoin (KBC) less than 1 year after its launch, It offers something unique with the potential to disrupt traditional industries, as well as get the support of legitimate entities. Based in Germany, Karatbars International GmbH is the parent company of KaratGold Coin and a robust gold-based ecosystem of cross-border blockchain solutions.

The 10 companies: Continue Full Article Forbes Magazine

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Bitcoin has a lingering problem

Bitcoin has a lingering problem that few people are talking about amid the renewed exuberance of the recent price surge.

Hardly anyone is using the world’s largest cryptocurrency for anything beyond speculation. Data from New York-based blockchain researcher Chainalysis Inc. show that only 1.3% of economic transactions came from merchants in the first four months of 2019, little changed over the boom and bust cycles of the prior two years.

Even though marque companies such as AT&T Inc. now let customers pay with cryptocurrencies, the problem is that few speculators want to use the digital coins to pay for wireless services when the digital asset’s price might surge another 50% in a matter of weeks. That’s become the main dilemma with the cryptocurrency: Bitcoin needs the hype to attract mass appeal to be considered a viable electronic alternative to money but it has developed a culture of “hodlers” who advocate accumulation rather than spending. Full Article Bloomberg

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GOLD STANDARD AS THE FIRST FINANCIAL CENTER OF DIGITAL ECONOMY 

Gold Standard Bank has become the most significant global multinational holding company in financial sector that has been setting new trends in the blockchain sector development. Its rapid growth is based on the understanding that the world of the future will draw on technology and gold. Over the past few years, it has become the largest venture, which has implemented a numberof successful innovative blockchain projects related to introduction and development of gold exchange transactions.

Global Gold Payment System

With the uncertainty in the world economy it is never too late to make a safe investment in gold. How to invest in gold can be done easily and securely and it does not matter what the price of gold is currently trading at. When you purchase gold it is a good idea to dollar cost average your purchases. This means that you will be putting a certain amount of money towards whatever type of gold investment you prefer each and every month. You will do this regardless of the price.

There are 4 different ways that you can invest in gold. These include gold bullion, gold ETF’s, gold-mining stocks, and gold ETN’s. The two more common choices are gold bullion and gold mining stocks. With gold bullion you can purchase physical gold including gold jewelry, gold bars, and gold coins.

Gold bullion, coins, and jewelry can be stored in a floor or wall safe in your home or in a safety deposit box at your bank. You can also store your gold at certain companies such as Karatbars in Stuttgart.

First-Time Real Estate Investors

Real estate can be a tremendous investment opportunity. And for those who are in for the long run, rental properties really can’t be beat.  But when it comes to taking that crucial first step, most people aren’t sure where to start. If you are thinking about investing in real estate, here are 10 considerations to help you to get off to a great start.

1.Get Your Finances In Order

Before you take the plunge, take stock of your financial situation. Is there anything that you can do to put yourself in a stronger position to invest? Things such as paying down or consolidating debt, along with working on improving your credit score, can help you to qualify for a better loan. You’ll also want to save up for a down payment. A larger down payment is ideal for reducing your monthly payments, your insurance and even your risk.

2. Do Your Research

Next, you’ll want to learn as much as you can about real estate investing and rental property management. Brush up on the basics of landlording, and get some good books that offer sound investment advice. There is a lot more involved with becoming a landlord than meets the eye, and being prepared will help you sidestep many common pitfalls along the way.

3. Start Small

While you may feel pressured into “going big” when it comes to your first investment, there’s nothing wrong with starting small. In fact, it’s how many successful investors get started. Starting small offers a number of benefits; namely, it’ll give you a chance to gain an understanding of how investing works before there’s a lot more at stake.

4. Know The Numbers  

Before you commit to a property, it’s important to know exactly what type of returns you’re looking for. Start by establishing your investing criteria, and resolve to only invest in properties that meet your standards. So be sure to have an idea about cap rate and cash-on-cash returns, along with net yield and cash flow.

5. Scout Out A Location

As a new or first-time investor, you might be looking at property that’s close to home. However, be careful that you’re not limiting yourself. When you open yourself to the possibility of an investment property outside your local area, you’ll be able to take advantage of up-and-coming markets that may have better opportunities. With the property management options and resources available today, investing in out-of-town property is easier than ever.

6. Adopt A Business-Owner Mindset

Investing is a business, and you should treat it like one. Just as you’d have a solid business plan in place for a company, along with clear and actionable plans, key milestones and systems, you’ll want to do the same for your investments. Remember: Your goal is to generate a profit, so make sure you lay the groundwork necessary to do so. Don’t simply invest in the first property that catches your eye. Just as you would in a business, make sure every opportunity checks out. __Full Article Forbes

If you interested to buy your first real estate investment

I have access to Bank Owned, Probate, Tax Liens,Trustee Sales (Court Auction cash only), and even Vacant Properties on any Estate and any County.

My roll will be your Strategy Consultant and find the best piece of Real Estate Investment for you. If you need subcontractor, repair and resell your Real Estate, I have the best price on the market. Even if you need finance to buy your first Investment, I have motivated private investors and banks who want to help you in your entrepreneur include Contractors Financing

https://patrickiturra.com/contact/

Sales of existing homes skyrocketed

Sales of existing homes skyrocketed a whopping 11.8 percent in February compared with January, according to the National Association of Realtors. That is the largest monthly jump ever, with the exception of a change in mortgage policy in 2015 that temporarily skewed the data.

Realtors pointed squarely to dropping mortgage rates and home prices for the increase in demand.

“Consumers are very sensitive to mortgage rates, at least that’s what we are finding out. So as mortgage rate began to drop, there was evidently a strong pent-up demand,” said Lawrence Yun, chief economist for the Realtors.

At the start of last year, housing demand was robust and rates relatively low, with the average rate on the popular 30-year fixed right around 4 percent, according to Mortgage News Daily. That caused a frenzy in buying through the spring. But with supply remaining tight, prices overheated.

By summer, those prices were moving out of reach, especially as interest rates began rising. By November, the average rate on the 30-year fixed had spiked over 5 percent, and home sales plummeted.

Mortgage rates then began falling in December and moved decidedly lower in January to around 4.5 percent, causing the renewed interest in buyer demand. More consumers now believe it is a good time to buy a home and more believe the economy is improving, according to a sentiment survey by the Realtors in the first quarter of this year.

KEY POINTS

  • Sales of existing homes skyrocketed a whopping 11.8 percent in February compared with January, according to the National Association of Realtors. 
  • That is the largest monthly jump ever, with the exception of a change in mortgage policy in 2015 that artificially pushed one month’s sales into the next month.
  • Home prices have been moderating for months and were up just 3.2 percent in February, the smallest annual gain in a few year.

How to start in real estate investments? Contact me HERE

By Diana Olick Full Article CNBC

Trends for Real Estate Investors

Opportunity zones

Created by the Tax Cuts and Jobs Act, opportunity zones are new territory for real estate investors. Peter Muoio, executive vice president and chief economist at Ten-X Commercial, an online transaction platform for commercial real estate, says opportunity zones are on track to be the hottest trend in commercial real estate for 2019. “With valuations at cycle highs and fundamentals waning, the tax incentivesoffered by these programs are massively attractive, especially as not all of these zones are created equal,” Muoio says, acknowledging numerous cities may prove to be diamonds in the rough. As capital flows in, certain submarkets could see increased volume, and “increased liquidity is a positive for the commercial real estate environment.”

New construction gets pricier.

Construction prices inched up 0.5 percent in October, reflecting a 7.9 percent increase year-over-year, according to the Bureau of Labor Statistics Producer Price Index. That’s something investors should be watching closely in the year ahead, says Lee Roberts, managing partner of SharpVue Capital in Raleigh, North Carolina. “In addition to supply-demand factors, there is a large policy component to this,” Roberts says. “Not only are interest rates being driven higher by the Fed, but materials costs are being affected in part by trade policy, while labor costs are moving higher in part due to immigration policy.”

Build-to-rent gains momentum.

Build-to-rent is a relatively new trend, says George Maravilla, vice president at Tower Capital in Phoenix, but poised to expand. “These newly built and to-be-built rental communities have a lot of the conveniences and amenities of an apartment but feel more like a home,” Maravilla says, and as more developers move into this space it’s likely to join the mainstream of CRE asset classes. Build-to-rent communities are designed to fit the privacy and affordability needs of younger buyers shopping for a mortgage loan and boomers looking to downsize. Maravilla says build-to-rent represents a new frontier for investors with a pioneer mindset looking to diversify into non-traditional housing.

Real estate investment trends you can expect in 2019

  • Younger home buyers
  • Opportunity zones
  • E-commerce
  • Rising interest rates
  • Increased construction prices
  • Big data
  • Build to rent
  • Smart technology

By Rebecca Lake, full article U.S News

The couple who invests together, stays together​

How to invest together:

  • Start with a conversation about your investment goals.
  • Define success for each goal.
  • Build an investment strategy for each goal.
  • Use education and a neutral third party to handle disagreement.

We need to talk about investing. As with most relationship decisions, communication is essential to successfully investing together. In fact, “open and honest communication (about money) may be the key to happiness,” says Jason Thacker, head of U.S. deposits and consumer payments at TD Bank. According to TD’s 2018 Love and Money survey, 80 percent of couples who characterized their relationships as “extremely” or “very happy” talk about money at least weekly, he says.

“Investing should be a joint venture with both spouses feeling like they have an equal say,” says Michael Landsberg, member of the American Institute of CPAs’ Personal Financial Planning Executive Committee. “There are synergies to be had when combining forces so take advantage of those potential benefits.”INVESTING IS AN emotional seesaw.

  • Define what success looks like.
  • How to invest together.
  • Investing is an emotional seesaw.

Full Article U.S.News