The combination of inflation and low mortgage rates usually leads to much higher compounded rates of home appreciation. For owners of property, high rates of inflation and appreciation are welcomed and appreciated. For buyers or tenants, however, the skyrocketing purchase and rental prices are not liked much at all.
Demographic Strategies for Real Estate Investors
Sweeping changes in the nation’s demographic makeup will have profound effects on the nation’s housing industry, according to “Big Shifts Ahead: Demographic Clarity for Businesses,” a new book by authors John Burns and Chris Porter.
They argue that broad demographic shifts will reshape housing in America in the next decade, creating new opportunities for businesses of all kinds. Rising numbers of female executives, affluent immigrants, growing numbers of younger and older workers and a ballooning retiree population will have a profound influence on residential real estate in the U.S. over the next 10 years, according to Burns and Porter.
17 Things Very Successful People Never Stop Doing
Think about the most successful people you know. Here are 17 things I'll bet they're constantly doing.
Think of the most successful person you know. Maybe we’re talking about a work colleague or a mentor. Maybe this is someone you knew growing up or in school — and you can’t believe how much he or she has achieved since then.
The Greatest Real Estate Advantage
Ignoring the fact that stocks, bonds, mutual funds, and other investments are either over-valued or providing negative real returns, real estate has almost always been the best use of capital specifically because of your ability to leverage your investment.
If used properly, leverage will significantly enhance your return on investment. This is easy to do if you invest in income-producing real estate but much more difficult, if not impossible, if you're investing in stocks or mutual funds.
You May Be A More Important Real Estate Investor Than You Think
Small is Big!
If you own one investment property you are a significant investor and contributor to the American economy. The engaged (as opposed to “aspiring,”) real estate investor population is estimated to be at 11.1 million individuals and companies. Together this tier of investors owns $3.1 trillion in single-family residential (SFR) asset value representing 13.3 million homes.
Personality Types and Real Estate Investing
A few years ago, I was chatting about financial freedom with a close friend. My friend was very interested in becoming financially independent, and really wanted to discuss how she could increase her wealth.
However, when I shared my journey to financial independence, she had a lot of reservations.
How Trump's Presidency Could Impact Real Estate
How will the real estate market be impacted by Donald Trump’s victory and Republicans controlling both chambers of Congress?
Though Mr. Trump is a real estate man, his policy platform has been largely vague on real estate proposals. Here are my thoughts on how certain real estate issues may play out under President Trump and of their potential impact to consumers.
Myths and Fallacies That Limit Financial Liberation
Financial liberation is beyond most people’s reach because of the following four myths and destructive mind-sets:
1. The Retirement Myth
2. The Financial Freedom Myth
3. The Entitlement Mentality
4. The Fallacy of “Someday”
The Retirement Myth
The retirement myth is the idea that the purpose of life is to work for thirty years, save enough money, and then stop working and live off one’s savings. This destructive myth causes many people to stay in jobs they don’t like and that don’t allow them full expression of their best talents. It makes us sell our “birthright” for a “mess of pottage” in the form of golden handcuffs and benefits. It often leads to small lives built around limited dreams.
Understanding the Checkbook IRA and Its Benefits
When it comes to retirement savings, we all do wish for the same amount of investment freedom that we usually get with our other investments. Traditionally, most of the financial institutions offer limited investment options, starting with stocks and bonds to mutual funds and CDs only.
Owning Property "Free and Clear"
For some investors, the goal is to own properties “free and clear,” that is, with no mortgage debt. While this is a worthy goal, it does not necessarily make financial sense.
For example, consider a $100,000 property that brings in $9,600 per year in net income (net means gross rents collected, less expenses, such as property taxes, insurance, maintenance, and property management). The $100,000 in equity thus yields a 9.6 percent annual return on investment ($9,600, the annual net cash flow, divided by $100,000, the cash invested).
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