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?

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.

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

Stock Market Crash Imminent Economic Collapse In 2017

Current stock market valuations are not sustainable. In 1929, 2000 and 2008, stock prices soared to absolutely absurd levels just before horrible stock market crashes with economic collapse.  What goes up must eventually come down, and the stock market bubble of today will be no exception and economic collapse 2017 is possible.

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In fact, virtually everyone in the financial community acknowledges that stock prices are irrationally high right now.  Some are suggesting that there is still time to jump in and make money before the financial crash comes, while others are recommending a much more cautious approach and preparing for the imminent economic collapse.  But what almost everyone agrees on is the fact that stocks cannot go up like this forever.

On Tuesday, the Dow, the S&P 500 and the Nasdaq all set brand new record highs once again.  Overall, U.S. stocks are now up more than 10 percent since the election, and this is probably the greatest post-election stock market rally in our entire history.

But stocks were already tremendously overvalued before the election, and at this point stock prices have reached a level of ridiculousness only matched a couple of times before in the past 100 years. Only the most extreme optimists will try to tell you that stock prices can stay this disconnected from economic reality indefinitely.  We are in the midst of one of the most outrageous stock market bubbles of all time, and as MarketWatch has noted, all stock market bubbles eventually burst and global economic collapse imminent…

“The U.S. stock market at this level reflects a combination of great demand, great complacency, and great greed. Stocks are clearly in a bubble, and like all bubbles, this one is about to burst.”

Learn More THE GREATEST WEALTH TRANSFER

Source: The Economist

The 401k Future

Coming changes in the retirement industry represent a seismic shift decades in the making.

Simply put, a comfortable and secure retirement can no longer be taken for granted by the vast majority of the population. Unlike the past, no single institution or corporation will come to the rescue with guarantees. Today, employees are largely on their own when preparing for the future, yet the extent to which most people will reprioritize to fund their own retirement remains to be seen.

With the looming threat of a flat-lining retirement industry, defined contribution plans like the 401(k) arguably act as a defibrillator—and a good one at that—but they’re far from a sure bet.

Step Back: How Did We Get Here?

No matter how unfashionable it might be to acknowledge past actions or inactions that have led to a current conundrum, every now and then, it’s worth a pause to consider the course of events that have led to where we are and where we’re most likely headed.

Historical Context

Rather than rehashing 50 years of history, suffice to say that globalization is largely to blame for much of the strife facing the retirement industry today. Looking back to the late 1960s, after Vietnam and before low-cost labor from Asia impacted worldwide pay scales, baby boomers became a driving force, both politically and economically, exerting significant pressure on both wages and benefits in the United States. Those were the halcyon days of labor unions, when employees, both skilled and unskilled, were given not only high wages but also high quality medical benefits and pension plans that would ensure a flow of income all the way to the grave.

The risks and costs of guaranteeing lifetime benefits didn’t escape the attention of the companies offering them, but there were no easy solutions. Some defined benefit pension plans were negotiated but then not properly funded. And others got creative with their actuarial assumptions, in some cases applying a discount rate of 8 percent or more in an attempt to deny or forestall the reality of the future cost of the guaranteed retirement plan.

When China decided to become a member of the world community, things went from bad to worse. Product production shifted into high gear in Asia at a cost that was substantially less than goods produced in the United States. And this sent U.S. companies scrambling to remain competitive, which meant reducing costs and overhead as much as possible. As a way of reducing labor costs, benefit plans were among the first expense categories that came under pressure.

Industry Context

Over the past 20 years, corporate America has increasingly done away with defined benefit plans to instead offer profit sharing plans in conjunction with 401(k) plans. Today, DB plans have all but evaporated from the landscape, with the exception of plans offered by local, state and federal governments. These employers have not felt the pressure of foreign competition, however tremendous unfunded liabilities and significantly longer life expectancies are beginning to take their toll. The strain on governments to properly fund these plans leaves few other options than to raise taxes.

Thus, the whole concept of a guaranteed lifetime benefit has gone the way of other impossible dreams. The 401(k), 403(b), and other similar plans are now the primary source of future retirement income to go along with Social Security. And employees are now largely responsible for their own retirements. So, where do we go from here?

The Much Needed Wake Up Call

Right off the bat, employees must be made to understand exactly what’s at stake. And the most effective way to make that point clear is by providing a personalized retirement readiness assessment. For some, this can feel much like a virtual ice bucket challenge, which is just what you want. The report should delineate how much employees should save for retirement, based on their specific needs, versus how much they’re saving currently. And if they’re not going to make it, they need to be told—in no uncertain terms.

Employees are not the only ones that need a wake up call. The responsibility also lies with plan providers. The new DOL ruling is an admonition to the retirement industry—that plan providers and advisors must act in the best interests of plan participants, which should mean helping to alleviate some of the retirement planning burden by providing the best possible services at fair and reasonable prices.

A Pill Worth Swallowing

Breaking the news to plan participants that need to save around 18% of their earnings can be difficult.  But there is good news to deliver as well. The key points to illustrate are the exponential benefits of even small increases in 401(k) contributions, the power of compound interest over time, and the tax savings that can be realized.

Another vital part of this conversation should be a discussion of the optimal asset allocation and investment choices based on the employee’s specific needs. When the advisor can illustrate savings growth, based on realistic rate of return assumptions, financial goals begin to seem achievable.

The employee education process is crucial to the success of the 401(k) plan. But the time and effort it takes to really get through to people—including group educational forums and one-on-one planning session—is substantial.

Increasing the Odds

No matter how much plan participants can discipline themselves to save, if they’re invested in inferior investment products, it could be all for naught. To make a real difference in people’s lives, plan fiduciaries must be hawkish when it comes to the quality of the investments options and the legitimacy of the fees.

Advisors should recommend benchmarking the plan on a continual basis, to determine the latest industry standard for investments and to identify and eliminate any excessive and unnecessary fee. This is at the heart of what it means to be a plan fiduciary—to act solely in the best interests of the plan participants, act in a prudent manner, diversify the plan’s investments, and ensure that the plan expenses are reasonable.

Through a diversified fund lineup, that includes both active and low-cost passive investment options, and by ensuring that providers are free of inherent conflicts of interest, the odds of achieving a desired level of retirement readiness can be well within grasp.

Tracking Progress

Once the right products are in place, it’s imperative to remain vigilant in ensuring that performance remains on course and individual plans stay on track. To that end, a process for the selection, monitoring and replacement of investment choices is imperative.

As those in the retirement industry for any length of time have observed, if the current course is left unchecked, the prospects are bleak. We’re trending toward a scenario where many, many people will find themselves struggling to make ends meet during retirement. That’s why, now more than ever, plans sponsors and their advisors have a duty to help.

If being in this businesses is worth doing, how much more satisfying to know that you’ve helped steer as many people as possible toward a more promising future. It’s a great challenge and it will take a concerted effort on behalf of everyone to see to it that no one is left behind.

Source: 401k Solution Beirne Wealth

What Does The 2016 Election Have To Do With Your Retirement?

The world’s financial landscape is changing…
And it could soon cause a lot of money to move out of the U.S. dollar.
So how do you protect yourself? By following China’s lead. http://wp.me/p4m7MW-li

More: Here Are the Stocks to Buy if Donald Trump Becomes President

3 Reasons Why Flying First Class Is Worth Every Penny

Spending a bit more can turn your flight into a profit center

The first-class cabin at the front of the plane may be just a few yards from your economy seat, but it might as well be in a different world. While you’re trying not to bash your knees on the tray table, to eat plastic food, and to get to sleep with a couple of tightly-packed strangers, on many international flight those at the front are lying on a bed in a private cabin, having just enjoyed a dinner prepared by a chef. Served on real china. Of course, they’ll have paid a fortune for those luxuries. A first class ticket from Singapore to New York on Singapore Airlines can set you back around $15,000. Along with the bed, you also get a dining table behind your private sliding doors, a 23-inch entertainment system, and a proper wine list.

But a touch of luxury isn’t all you get when you cash in your air miles, dig deep into your travel budget, or demand the client upgrade your ticket. When you stay in economy, you miss out on three other benefits that are way more valuable than a better class of reheated meal.

1. Time and Energy

First-class passengers arrive at the same time as everyone else. You’ll get off the plane first, but that will only save you a few minutes. The hours it can save you are in the recovery from the flight. David Liu, founder of TheKnot.com, described in The New York Times how, in the early days of his business, a venture capitalist he met was shocked to learn he had saved money by booking a red-eye with three layovers. Instead of being impressed by his thrift, she told him the company couldn’t afford a stressed-out CEO, and booked him on a first-class flight home.

If you’re flying economy class long-distance, your next day or two are going to be a washout. You have to factor in the cost of lost productivity and maybe even a lost deal, if you roll off the red-eye and into a presentation. Bear all those expenses in mind and that economy class seat doesn’t look so cheap anymore.

First-Class-Cabin

2. Networking

The first-class areas are the ultimate networking rooms. It starts in the lounge, where you get a proper place to relax, alongside people who are at the top of their professions. It continues on the plane, where you might find yourself sitting alongside the founder of a multimillion-dollar company or the chief executive of a Fortune 500 business. That’s valuable. Last year, Chinese gaming company Da Lian Zeus Entertainment paid $2.35 million to have lunch with Warren Buffett. You’ll pay a lot less to spend several hours sitting next to someone guaranteed to be a success in his or her field.

Those networking benefits are worth grabbing even on domestic flights. The comfort levels might not be much higher, but for a little more money, you’ll get to chat and exchange contact details with people at the top of their professions. If you want to meet and chat with people who have deep pockets and plenty of knowledge, you have to sit at the front of the plane.

first-class

3. Work

If you’ve ever tried to work in an economy-class seat, you’ll know it’s almost impossible. There’s barely enough room for your lap, let alone your laptop. A first-class seat is a real office, complete with power outlets, privacy, and Wi-Fi. While you’re squinting at a movie on a small screen in the back of the plane, the people at the front have a chance to pull even further ahead.

So should you be splashing out on a first-class plane ticket next time you travel? If you’re traveling for business and can afford it, it’s worth it.

More for your entrepreneurship 7 Key Habits, Practices, and Experiences

first class

By Joel Comm. Author and speaker