Podcasts about equity trust

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3064: Budgeting doesn't have to feel restrictive or complicated. Kumiko of The Budget Mom breaks down four common myths that hold people back from taking control of their finances, debunking the idea that budgeting is boring, too much math, or unnecessary. With a simple mindset shift, a budget can become a tool for financial freedom, allowing you to plan for both your needs and wants while creating a future that aligns with your goals. Read along with the original article(s) here: https://www.thebudgetmom.com/budgeting-lies-vs-truths/ Quotes to ponder: "If budgeting isn't fun, you are completely doing it wrong." "You have to look at budgeting as something that allows you to spend the money you do have on the things that matter most and are the most important to you." "Your budget is a plan, a guide on how you should spend your future dollars." Episode references: Equity Trust: https://www.InvestorUnleashed.com/optimal Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3064: Budgeting doesn't have to feel restrictive or complicated. Kumiko of The Budget Mom breaks down four common myths that hold people back from taking control of their finances, debunking the idea that budgeting is boring, too much math, or unnecessary. With a simple mindset shift, a budget can become a tool for financial freedom, allowing you to plan for both your needs and wants while creating a future that aligns with your goals. Read along with the original article(s) here: https://www.thebudgetmom.com/budgeting-lies-vs-truths/ Quotes to ponder: "If budgeting isn't fun, you are completely doing it wrong." "You have to look at budgeting as something that allows you to spend the money you do have on the things that matter most and are the most important to you." "Your budget is a plan, a guide on how you should spend your future dollars." Episode references: Equity Trust: https://www.InvestorUnleashed.com/optimal Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3064: Budgeting doesn't have to feel restrictive or complicated. Kumiko of The Budget Mom breaks down four common myths that hold people back from taking control of their finances, debunking the idea that budgeting is boring, too much math, or unnecessary. With a simple mindset shift, a budget can become a tool for financial freedom, allowing you to plan for both your needs and wants while creating a future that aligns with your goals. Read along with the original article(s) here: https://www.thebudgetmom.com/budgeting-lies-vs-truths/ Quotes to ponder: "If budgeting isn't fun, you are completely doing it wrong." "You have to look at budgeting as something that allows you to spend the money you do have on the things that matter most and are the most important to you." "Your budget is a plan, a guide on how you should spend your future dollars." Episode references: Equity Trust: https://www.InvestorUnleashed.com/optimal Learn more about your ad choices. Visit megaphone.fm/adchoices

The wealthy are using one unique retirement account to build their fortunes tax-free. You may have never heard of it, but knowing about it can change the course of your retirement planning, allowing you to invest in much more than stocks, index funds, and bonds in your retirement accounts.  We're talking about making passive real estate income tax-deferred, flipping houses and sheltering the profits for when you retire, or having a rental property portfolio producing massive passive income, all with the tax benefits of your 401(k), IRA, or Roth IRA.  We're, of course, talking about the self-directed IRA (SDIRA) and the sizable benefits that come with it.  To help, John Bowens (Certified IRA Services Professional) from Equity Trust is on the show to share the tax advantages most Americans have zero clue about. Scott starts the interview by coming in hot, throwing out his most significant objections to an SDIRA. We were even surprised by just how many benefits this single account has and how you can use it in ways most people would never assume of a retirement account. We're talking about how to buy rental properties IN your retirement accounts (and profit from them tax-free/deferred), whether a self-directed IRA or 401(k) makes the most sense for you, the “material participation” rule that you CANNOT afford to break, and how much this account costs to set up. This is a game-changing account for retirees who want to live a rich life, so do not skip out on it! In This Episode We Cover Scott's biggest objections to the self-directed IRA (is he wrong?) How to get tax-free/deferred passive income from real estate in your retirement accounts  The one tax that you MUST know about before investing in an SDIRA  Can you get a mortgage for a rental property in an SDIRA? How much an SDIRA costs to set up and keep going (less than you'd think) And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Follow BiggerPockets Money on Instagram “Like” BiggerPockets Money on Facebook BiggerPockets Money YouTube Channel How to Access Retirement Funds Early Maximize Your Real Estate Investing with a Self-Directed IRA from Equity Trust Want More Smart Tax Strategies? Grab “The Book on Tax Strategies for the Savvy Real Estate Investor” Sign Up for the BiggerPockets Money Newsletter Find Investor-Friendly Lenders The Self-Directed IRA: What You Should Know About This Wealth-Building Tool Connect with John   (00:00) Intro (08:26) Tax-Free Real Estate Gains (16:45) One Tax to Watch Out For (19:59) Self-Directed 401(k)s vs. IRAs (27:36) Making $34,000 Tax-Free! (30:42) The "Material Participation" Risk (35:41) Financing Rentals in an SDIRA (39:40) SDIRA Fees and Costs (50:05) Completely Passive Income (51:56) Active Investing in an SDIRA Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-611 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Jim Pfeifer and Paul Shannon sit down with John Bowens of Equity Trust to break down the power of self-directed retirement plans for real estate investors. From the basics of what “self-directed” really means to the nuances of IRAs, HSAs, and Solo 401(k)s, John explains how you can unlock more flexibility and control in building your portfolio. Whether you're investing in syndications, private lending, or direct ownership, learn the steps for opening a self-directed account, how to navigate leverage with UBIT/UDFI, and why a Solo 401(k) might offer key advantages (when you qualify). Plus, John dispels the myths around the tax complexity of self-directed deals and shares a simple framework to evaluate any potential investment. Today's Episode Takeaways What “Self-Directed” Really Means: Why most standard IRAs don't allow real estate—and how self-direction changes that. IRAs vs. Solo 401(k)s: Who qualifies, which offers higher contribution limits, and the unique tax perks. UBIT & UDFI, Explained: How leverage can trigger special taxes—and why it's not always a deal-breaker. Choosing a Custodian: Key factors like years in business, transaction speed, fee models, and customer service. Strategic Framework: John's 3-part approach (business sense, tax optimization, and lifestyle considerations) for any self-directed deal. Learn More from Equity Trust Website & Resources: TrustETC.com YouTube: Equity Trust Company for in-depth how-tos Or visit the PassivePockets website for additional content and materials Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Remember that past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any of the advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast. Contact Us jimpfeifer@biggerpockets.com

In this episode we discuss LVMH, Airtel Africa, Pets at Home, Patria Private Equity Trust, Shell & PayPal$mc $aaf $pets $ppet $shel $pypl

Need any advice or information, message us.Matt Calhoun of Equity Trust in the US explains how to use your Self Directed Individual Retirement Account (SDIRA) and 401K to invest in Costa Rica and the restrictions.  He describes the process and what you can invest in and what you cannot invest in.Free 15 min consultation:  https://meetings.hubspot.com/jake806/crconsultContact us: info@investingcostarica.comGuest today:Matt Calhoun: m.calhoun@trustetc.com

Send us a textLeave a rating for this podcast with one clickHow can self-directed IRAs unlock new pathways for your investment strategy? Scott welcomes Paul Herbes from Equity Trust to discuss how self-directed IRAs, Roth conversions, and real estate 401(k)s empower investors to take control of their financial future. They explore timely strategies for navigating today's market, the potential impacts of AI, trends in industrial real estate, and the art of becoming a successful passive investor. WHAT TO LISTEN FOR05:09 – Timely strategies: End-of-year moves to offset capital gains10:08 – 2025 outlook: Interest rates, tariffs, and industrial real estate growth15:12 – Roth conversions: Leveraging taxes for long-term growth25:18 – 1031 exchanges: Debunking myths about its futureGUEST: PAUL HERBESEmail | LinkedIn | Calendar | Website  CONNECT WITH USWebsite | You Tube | Facebook | X | LinkedIn | InstagramFollow so you never miss a NEW episode! Leave us an honest rating and review on Apple or Spotify.

In the ever-evolving world of real estate investing, understanding how to effectively raise and leverage private money can make or break your success. In a recent episode of Raising Private Money, Jay Conner, an authority on private lending, sat down with Dale Wills, a real estate investor who has successfully raised over $100 million in private capital. Their discussion illuminated key strategies, and nuances between investing in single-family versus multi-family properties, and even explored ways to maximize your IRA for real estate investments.The Jargon of Private Money: Making the RulesInvesting in real estate with private money is fundamentally different from traditional bank financing. Jay Conner initiated the conversation by stressing the importance of realizing that in the private capital realm, investors make the rules. Unlike conventional banking, where terms are rigid and largely non-negotiable, private money lending offers an open playground to set interest rates and define terms that best suit your investment needs.Dale Wills highlighted that this shift in mindset is crucial. Many novice investors might initially feel intimidated by this newfound control and might be tempted to relinquish autonomy back to the lender. However, Dale emphasized that belief in one's value proposition is vital. Standing firm and trusting in your offering can significantly boost confidence and, in turn, attract more private lenders.Single-Family vs. Multi-Family Investments: Core DifferencesOne of the standout segments of the podcast was the discussion around the differences between investing in single-family homes versus multi-family apartments. Dale Wills, who specializes in single-family projects, provided some fascinating insights. While multi-family units offer value, they sometimes remain under-utilized due to evolving living conditions, such as consolidated households.Dale's focus on single-family homes, particularly entry-level, first-time buyer products, aligns well with current market dynamics. Even in economic downturns, the demand for these affordable housing options remains steadfast. Second or third-time homebuyers might hold off on purchasing during uncertain times, but first-time buyers typically continue to enter the market. This resilience makes the entry-level housing market a strategic focus.Boosting Wealth with IRAs: A Hidden GemFor many investors, leveraging retirement funds can be a game-changer. Jay Conner noted that a significant portion of his private lenders utilize their IRAs to invest, seeking better returns than traditional retirement accounts provide. Dale Wills backed this by highlighting Centra's partnership with Equity Trust, a platform that facilitates the efficient transfer and investment of IRA funds into real estate.Dale shared that transferring IRA funds for investment is straightforward and can offer significantly better returns compared to traditional investments like stocks or money markets. Real estate investments provide tangible assets that investors can see and feel, which is a considerable advantage over digital or paper assets which can sometimes feel intangible.Helping First-Time HomebuyersAnother significant point of discussion was the various ways Centra helps first-time homebuyers. In today's challenging economic climate, making homes affordable without compromising quality is paramount. Centra's approach includes allowing employees to buy houses at cost, thereby helping them build personal wealth. Centra focuses heavily on entry-level housing, ensuring it is affordable while maintaining high standards. They also facilitate access to programs like USDA loans, which offer down payment assistance and interest-rate buy-downs. This multi-faceted approach makes homes more accessible and bridges the housing gap for both first-time homebuyers and empty nesters looking to do

Are you an American with an IRA (Individual Retirement Account) loaded with mutual funds, investing in the incredibly shaky foundation of the U.S. stock market? Today's episode is just for you. This week, I am going to share a recent webinar I held where I invited our new partner, Matt Calhoun from Equity Trust, to discuss how to take control of your retirement with a self-directed IRA and share strategies for using one to invest in foreign real estate. This really is a can't-miss for my American friends. TODAY'S PRESENTATION ON USING SELF-DIRECTED IRAS FOR INTERNATIONAL REAL ESTATE Tune in to meet Matt, who was referred to me by a trusted real estate partner as the “best in the business” when it comes to understanding American retirement accounts and foreign real estate.  Discover how Matt first became interested in the niche area of self-directed IRAs after previously being involved with more conventional mutual funds. Learn how a self-directed IRA is unique from most in that you can direct and manage your own portfolio, including the type of assets you invest in.  Uncover the wide variety of assets that you can own using self-directed IRAs, from precious metals to cryptocurrency to international real estate. Do you already have an account that can fund a self-directed IRA without your realizing it? Find out the most common ways to fund self-directed IRAs.  Learn the differences between a “traditional IRA” and a “Roth” IRA - and the tax implications of each. This knowledge is absolutely crucial for understanding how to use these types of accounts to your benefit properly. Discover the very few types of assets that retirement accounts are prohibited from managing. Cross these off your list of investment ideas for IRAs.  Hear about the most common mistakes people make using self-directed IRAs so that you don't make them yourself! By the end of this episode, you will know everything you need to know about using your retirement account to purchase international real estate and protecting yourself from a coming stock market crash.  GET STARTED WITH YOUR SELF-DIRECTED IRA TODAY Contact our partner Matt by email at m.calhoun@trustetc.com to fill out an application and start taking control of your retirement today. Tell him Mikkel Thorup sent you, and he'll get you started right away.  DON'T MISS OUR NEXT WEBINAR! If you missed this one a few weeks ago, save yourself the trouble next time by bookmarking and frequently checking back at our webinar page. Our next webinar, “Beachfront Bonanza: Strategies For Cash Flow In Brazilian Property,”

Fireside with a VC episode #99 speaking with Matthew Calhoun, director at Equity Trust, formerly Midland Trust Company, discussing the benefits of investing into alternative assets such as venture capital funds using your self-directed IRA dollars. What is a Self-Directed IRA and what is different from other retirement accounts? What are the requirements, terms, and cost for this, and how long does it take? Help boost your retirement with this wealth-building combination of tax-optimized retirement accounts maximizing the potential of higher returns with less volatility by adding private market venture capital investments to your tax-advantaged account. We are happy to introduce our listeners to Matt or contact him directly: mcalhoun@midlandtrust.com. Find the full episode on YouTube: https://youtu.be/o9FslKnPrmU. Find this and all full episodes for Fireside with a VC on your favorite podcast platform here: https://podcasters.spotify.com/pod/show/FiresideVC https://midlandtrust.com/ https://www.linkedin.com/in/matthew-calhoun-51828687/ https://www.7bc.vc/ https://www.linkedin.com/in/romans/ Join the conversation, leave comments, and tell us what you think about these topics and this episode. --- Send in a voice message: https://podcasters.spotify.com/pod/show/firesidevc/message

Daniel C. Robbins is a Principal Designer at Adobe, working on both strategy and production across 3D/AR/VR projects with a focus on generative AI. He's also helped craft integrity aspects of Horizon Worlds at Meta, advanced AR/VR projects at HTC and capped a long tenure at Microsoft by helping bring the Microsoft Envisioning Center to life. Daniel regularly mentors and sponsors people from underrepresented groups who are entering the design field and he brings a passion for joy, equity, anti-racism, and justice through the lenses of curiosity, compassion, and contradiction. Join this episode to learn: - The current limitations and future opportunities in GenAI - The approach creatives should have to improve their proficiency with gen AI tools - The importance and implications of diversity and equity in generative AI - How AI will enhance and complement XR experiences *** CONNECT WITH DANIEL

Join us for an insightful session with renowned financial expert David Bowens as he delves into the powerful world of Self-Directed IRAs, Health Savings Accounts (HSAs), and Solo 401Ks. In this must-watch video, David shares invaluable tips and strategies on how to leverage these financial tools to supercharge your wealth-building journey. Discover the key advantages and unique features of Self-Directed IRAs, HSAs, and Solo 401Ks, and learn how these investment vehicles can empower you to take control of your financial future.For access to the complete panel discussion, join the Family Office Club.We look forward to see you at our next live event.#familyoffices #billionaires #billionairesecrets #billionarie  #investor #privateinvestors #capitalraising #funding   #investorclub  

If you enjoyed this episode, or are enjoying the Scalable REI show overall, show your support by buying the Scalable REI team a cup of coffee: https://www.buymeacoffee.com/scalablereiJohn Bowens is one of the most sought-after and respected educators in the self-directed IRA industry. As Director, Head of Education and Investor Success at Equity Trust Company, John draws from his 20 years in the real estate industry and his experience as an active real estate investor. In his travels across the U.S. and virtually, he has trained 60,000 investors during more than 400 workshops and classes, spreading the message about the power of building tax-free wealth and leaving a lasting legacy by investing in what investors know best. In addition to thought leadership in the industry, John has also directed teams in both the front-office and back-office operations with Equity Trust, focusing on the custody of various alternative assets, including but not limited to, real estate, notes, private equity, precious metals, and much more. John contributed to the book “Self-Directed IRAs: Building Retirement Wealth Through Alternative Investing” with Equity Trust Company Founder Richard Desich, Sr., and has appeared on several national real estate and finance-related radio shows, including the Rich Dad Radio Show.He received his bachelor's degree in Finance from Ohio University. John's holds the Certified IRA Services Professional (CISP) designation through the American Bankers Association.Best Way to Contact John's Company:https://www.trustetc.com/home-4/(855) 233-4382Helpful Links:https://www.youtube.com/watch?v=DGNm_TvU11sBEST CRM THAT WE USE: Looking for the best all-in-one CRM to scale your real estate investing business? Use the link below to sign up today: https://www.gohighlevel.com/main-page?fp_ref=scalable-reiBEST PHONE SYSTEM THAT WE USE: Looking for an optimal online phone system that can forward to your cell phone, directly integrate to your CRM, and be leveraged for your remote virtual assistant team? If so, use this link to save $20 today when you open a new account: https://openph.one/referral/NpnZPxX COFFEE!!! If you feel this episode provided a ton of value, show your support by buying us a cup of coffee: https://www.buymeacoffee.com/scalablereiLET'S DO SOME DEALS!!! Contact Mason to JV/partner on deals or passively invest by either emailing him at mason@scalablerei.comSchedule a call with Mason by using this link here: https://calendly.com/mason-klement/30minFollow Mason on Instagram to learn additional real estate investing tips and tricks: https://www.instagram.com/mason_klement_scalablerei/NOTE: This description might contain affiliate links, which may pay our podcast a commission at absolutely zero cost to you.  Any commissions go toward the cost of producing each episode so we really appreciate your support.  In addition, depending on the vendor, you actually might even save money by using these links that you wouldn't have access to if you went directly to the vendor's website. 

The question I get asked the most is how do I raise money for my startup or investment fund? Well, my friends, I've got a gift for you.  In this week's episode of Making Billions, my friend John Bowens is going to teach you how to access an $11T pool of unused cash from investors and funnel it into private investments while providing tax efficiencies for your investors. Leveraging new capital while funding your private deals are all critical skills we need in our pursuit of Making Billions.WANT TO LEARN HOW THE BEST INVESTORS MAKE MONEY? SIGNUP FOR OUR NEWSLETTER:https://mailchi.mp/d41cfc90bd9f/subscribe-to-newsletterSubscribe on Youtube:https://www.youtube.com/channel/UCTOe79EXLDsROQ0z3YLnu1QQConnect with Ryan Miller:Linkedin: https://www.linkedin.com/in/rcmiller1/Instagram: https://www.instagram.com/makingbillionspodcast/Twitter: https://twitter.com/_MakingBillonsWebsite: pentiumcapitalpartners.com[THE GUEST]: John Bowens is one of the most sought-after and respected educators in the self-directed IRA industry. As Director, Head of Education and Investor Success at Equity Trust Company, John draws from his 20 years in the real estate industry and his experience as an active real estate investor. In his travels across the U.S. and virtually, he has trained 60,000 investors during more than 400 workshops and classes, spreading the message about the power of building tax-free wealth and leaving a lasting legacy by investing in what investors know best. In addition to thought leadership in the industry, John has also directed teams in both the front-office and back-office operations with Equity Trust, focusing on the custody of various alternative assets, including but not limited to, real estate, notes, private equity, precious metals, and much more. John contributed to the book “Self-Directed IRAs: Building Retirement Wealth Through Alternative Investing” with Equity Trust Company Founder Richard Desich, Sr., and has appeared on several national real estate and finance-related radio shows, including the Rich Dad Radio Show. He received his bachelor's degree in Finance from Ohio University.[THE HOST]: Ryan is a Venture Capital & Angel investor in technology and energy. He achieved industry-beating placement growth in his first 5 years in the inSupport the showDISCLAIMER: The information in every podcast episode “episode” is provided for general informational purposes only and may not reflect the current law in your jurisdiction. By listening to our episodes, you understand that no information contained in the episodes should be construed as legal and or financial advice from the individual author, hosts, or guests, nor is it intended to be a substitute for legal, financial, or tax counsel on any subject matter. No listener of the episodes should act or refrain from acting on the basis of any information included in, or accessible through, the episodes without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer, finance, tax and other licensed in the recipient's state, country or other appropriate licensing jurisdiction. No part of the show, its guests, host, content, or otherwise should be considered as a solicitation for investment in any way. All views expressed in any way by guests are their own opinions and do not necessarily reflect the opinions of the show or its host(s).

Most of us are conditioned to think that there is only one way to use self-directed IRAs – to invest in public assets and public equities. But there is a lot of missed opportunity around private markets. This is what John Bowens brings to the fore in this conversation. John is a sought-after expert and one of the most respected educators in the self-directed IRA space. Leveraging his over 20 years of experience in the real estate industry, he has trained thousands of investors, giving them the tools they need to take control of their finances and build a lasting legacy. In this conversation, he explains how people can take advantage of their retirement funds to invest in alternative assets and how a company like Equity Trust can help them to that correctly. Join in and learn how to become a better custodian of your money, build lasting wealth, and create the life and legacy you want to have! Love the show? Subscribe, rate, review, and share! https://7einvestments.com/podcast/

John Bowens from Equity Trust Company, one of the nation's largest providers of self-directed IRAs and solo 401ks, joins Chad on the Real Estate Runway Podcast to discuss how to get started investing in alternative assets through a self-directed IRA. John Bowens is one of the most sought-after and respected educators in the self-directed IRA industry. As Director, Head of Education, and Investor Success at Equity Trust Company, John draws from his 20 years in the real estate industry and his experience as an active real estate investor. Learn about the process for investing in self-directed IRAs, the tax implications you need to be aware of, and how to transfer money into an Equity Trust IRA without incurring any taxes or penalties. This episode provides essential information for anyone looking to make use of self-directed IRAs in their investment portfolio. Tune in now for all the details!   Learn more about ALTERNATIVE BUSINESS and INVESTMENT STRATEGIES through QUATTRO CAPITAL!   LinkedIn: /TeamQuattroCapital Instagram: @TeamQuattroCapital Facebook: @TeamQuattroCapital Website: www.TheQuattroWay.com  TikTok:@realestaterunwaypodcast     [00:00 - 07:16] Introducing John Bowens of Equity Trust Company • Equity Trust Company is one of the largest providers of self-directed IRAs and solo 401ks • John Bowens has been in the real estate industry for 20 years and has trained over 60,000 investors • Self-directed IRAs allow individuals to invest in real estate, gold, private equity, hedge funds, cryptocurrency, and more • Individuals can move their existing retirement accounts from prior employers or qualified plans into self-directed IRAs to gain control over their money   [07:16 - 14:03] Taking Control of Your Financial Future with a Self-Directed IRA or Solo 401K • Rolling over or transferring money from one financial institution to another does not create any taxes or penalties • Self-directed IRA is the first step of the three-step process to invest in private market investments • No taxes or penalties when investing in a private asset, such as buying a property with IRA money • Rental income and expenses are paid with IRA funds; no tax reporting is necessary when selling the property • Most financial institutions do not allow alternative investments in IRAs • Some financial advisors may discourage investing in alternative assets   [14:04 - 21:16] Rules, Disqualified Persons, and Prohibited Transactions Explanation • Equity Trust is just another member of your financial team, a tool in your toolbox • The Internal Revenue Code 4975 tells us what we can't invest in with our IRA, not what we can invest in • Disqualified persons include yourself, your spouse, any businesses you own and operate, and your children and grandchildren. • Transactions include buying, selling, leasing, or exchanging any property.   [21:16 - 28:36] Prohibited Transactions: What You Need to Know About Investing With Disqualified Persons • It is not possible to move a property or interest in an LLC into an IRA • Taking money from an IRA and loaning it to oneself, spouse, or children is prohibited • Investors can take IRA money and buy a new property, rent it out, and have cash flow coming back in • Investors can take their IRA money and loan it to a real estate flipper as long as they are not a disqualified person • Transactions with disqualified persons must be done proportionally   [28:36 - 36:25] Understanding Unrelated Business Income Tax (UBI or UDFI) for Real Estate Investments • Equity Trust Company custodian FBO is in for the benefit of the client's name or account number IRA is the titling that will be seen on public records • Unrelated Business Income Tax (UBI) applies to tax exempt entities, including IRAs and other tax exempt entities • UBI occurs when an IRA is investing in an ongoing trader business or borrowing money to acquire real estate • UBI can be as high as 37% for income over 13,400 in 2023.   [36:25 - 45:56] Unlocking the Power of Self-Directed IRAs • Self-directed IRA investments can provide tax shelter and the potential for higher returns. • Equity Trust does not give tax, legal or financial advice but prepares 990Ts to take advantage of carry forward losses. • John's superpower is adult education and financial education. • His biggest mistake is falling victim to analysis paralysis and missing out on good opportunities. • Equity Trust provides white glove service, educational content, webinars, reports and guides.     Quotes: "And so you have to Learn more about that. You have to do your own due diligence and make a decision on where and how you wanna invest and what percentage of your retirement portfolio you wanna allocate to these private market investments like real estate partnerships or other types of alternative investments." - John Bowens "Sometimes it's okay to pay a little bit of a price today so that we can pay any price in the future because going forward, maybe you find that you can get involved in other real estate investments or other opportunities that don't require debt leverage." - John Bowens   Connect with John through LinkedIn, or visit Equity Trust   LEAVE A 5-STAR REVIEW + help someone who wants to explode their business growth by sharing this episode. Find out how Team Quattro can help you by visiting www.TheQuattroWay.com. Real Estate Runway Podcast is all about alternative business and investment strategies to help you amplify life and maximize wealth! Click here to find out more about the host, Chad Sutton.   Nectar: https://app.usenectar.com/quattro-capital   Entity Keeper:  Join the EntityKeeper community today to simplify the way you manage your entities and org charts while reducing manual errors. Easily organize corporate data, visualize ownership structures, store unlimited documents, and manage important filing dates with one secure solution. Click here to start simplifying your entity management with EntityKeeper now!    

Landlife 85: What is a Self-Directed IRA? John Bowens is one of the most sought-after and respected educators in the self-directed IRA industry. As Director, Head of Education and Investor Success at Equity Trust Company, John draws from his 20 years in the real estate industry and his experience as an active real estate investor. In his travels across the U.S. and virtually, he has trained 60,000 investors during more than 400 workshops and classes, spreading the message about the power of building tax-free wealth and leaving a lasting legacy by investing in what investors know best. In addition to thought leadership in the industry, John has also directed teams in both the front-office and back-office operations with Equity Trust, focusing on the custody of various alternative assets, including but not limited to, real estate, notes, private equity, precious metals, and much more. John contributed to the book “Self-Directed IRAs: Building Retirement Wealth Through Alternative Investing” with Equity Trust Company Founder Richard Desich, Sr., and has appeared on several national real estate and finance-related radio shows, including the Rich Dad Radio Show. He received his bachelor's degree in Finance from Ohio University. John's holds the Certified IRA Services Professional (CISP) designation through the American Bankers Association. #selfdirectedira #selfdirectededucation #retirementplanning

In this episode of "The (Daily) Real Estate Syndication Show," host Whitney Sewell welcomes back Evie Brooks to discuss the topic of investing internationally using your IRA. Evie shares that it's a simple process to invest internationally, but it requires having a self-directed IRA and an LLC. She recommends working with a specialized division within companies such as Midland, Equity Trust, or SunTrust to navigate the guidelines and restrictions regarding IRAs. They also discuss the different types of international investments available and the tax implications of using your IRA for investments. This episode provides valuable insights for those interested in diversifying their investment portfolio through international real estate investments.Key Points from this Episode:It's possible to invest internationally using your IRA.A self-directed IRA is required for international investing.An LLC is needed for the IRA to invest internationally.International investments can be various types, including single-family residence, multifamily, condominiums, cultural, etc.Personal use of the IRA is not allowed, or penalties and taxes will apply.Tax implications vary depending on the individual and case-by-case basis.VISIT OUR WEBSITEhttps://lifebridgecapital.com/Here are ways you can work with us here at Life Bridge Capital:⚡️START INVESTING TODAY: If you think that real estate syndication may be right for you, contact us today to learn more about our current investment opportunities: https://lifebridgecapital.com/investwithlbc⚡️Watch on YouTube: https://www.youtube.com/@TheRealEstateSyndicationShow

Managing taxes and retirement funds are big factors in any investor's financial system, which is why self-directed IRAs are such an invaluable investment tool, allowing you to build and control where your retirement funds are invested and pay fewer taxes while growing your wealth.To shed some light on the topic in this episode, we are joined by John Bowens. He is a real estate investor and an expert in the self-directed IRA/401(k) process, serving as the Director of Education at Equity Trust Company's Equity University. Tune in as John shares his wealth of knowledge, providing valuable insights on maximizing your investment and better managing your taxes, and discussing how you can leverage your IRA to buy real estate properties. Get ready to learn from a seasoned pro in the industry!Key Takeaways:[00:44] Introducing John Bowens and the Use of Self-Directed IRAs[06:32] What Keeps Investors From Using Self-Directed IRAs[11:05] The Investor's Tendency to Live Deal-to-Deal and How It Can Keep Them From Using Self-Directed IRAs[16:30] What Can't You Invest in With a Self-Directed IRA?[23:50] Types of Accounts Offered by Equity Trust [30:49] Connect With Equity Trust[31:43] Fees Associated When Working with Equity Trust and Their ServicesQuotes:[07:08] “The financial services industry as a whole has failed you, and that's because most instances, in financial services, you're not going to be informed about a self-directed IRA to invest in real estate.”[28:51] “By eliminating the variable of taxation, you increase your annual yield…If your transactions are structured properly, and you're working through the process, and you're doing your due diligence, you could potentially get to your retirement goals and your financial goals by leveraging that component.”[32:19] “[Equity Trust is] not charging a fee based on transactions, or selling investments products…an account holder that moves over, let's say, a hundred and fifty thousand dollars, they only pay a five-hundred-dollar maintenance fee.”Connect with Equity Trust:Website: www.trustetc.comYoutube: https://www.youtube.com/user/EquityTrustCompanyTired of living deal to deal? If you are a real estate investor or business owner who is tired of living deal to deal, and want to double your profits, head over here to book your no-obligation discovery call with me. Either myself or someone from my team will hop on a short call with you to get clear on your business goals, remove any obstacles holding you back, and map out a game plan to help you finally start keeping more of the money you work so hard to make. - David 

John Bowens is one of the most sought-after and respected educators in the self-directed IRA industry. As Director, Head of Education and Investor Success at Equity Trust Company, John draws from his 20 years in the real estate industry and his experience as an active real estate investor. In his travels across the U.S. and virtually, he has trained 60,000 investors during more than 400 workshops and classes, spreading the message about the power of building tax-free wealth and leaving a lasting legacy by investing in what investors know best. In addition to thought leadership in the industry, John has also directed teams in both the front-office and back-office operations with Equity Trust, focusing on the custody of various alternative assets, including but not limited to, real estate, notes, private equity, precious metals, and much more. John contributed to the book “Self-Directed IRAs: Building Retirement Wealth Through Alternative Investing” with Equity Trust Company Founder Richard Desich, Sr., and has appeared on several national real estate and finance-related radio shows, including the Rich Dad Radio Show. He received his bachelor's degree in Finance from Ohio University. Social Media Links Facebook: @EquityTrustCompany https://www.facebook.com/EquityTrustCompany/ Twitter: @EquityTrust https://twitter.com/EquityTrust Instagram: @equitytrust https://www.instagram.com/equitytrust/ LinkedIn: @Equity Trust Company https://www.linkedin.com/company/equity-trust-company/ Note: from other business pages, you have to tag an individual, not a company, so they can tag John Bowens YouTube: @equitytrustcompany https://www.youtube.com/user/EquityTrustCompany/ --- Support this podcast: https://anchor.fm/mentors/support

Have you ever heard of purchasing real estate with your Roth IRA or 401k account? As a realtor, this might be a game-changer for you and your clients. The idea of using your retirement funds to invest in real estate might sound crazy, but it's actually a smart move. In this podcast episode, we'll explore the benefits of investing in real estate with your retirement accounts and how you can do it.On this week's episode of the Massive Agent Podcast, host Dustin Brohm invites John Bowens of Equity Trust to the show to open a new gateway for buyers. John Bowens is a self-directed IRA expert and has helped countless individuals invest in real estate with their retirement accounts. Throughout the episode, Dustin and John will discuss the basics of using your retirement accounts to invest in real estate, the benefits of doing so, and how to get started.By the end of the episode, you'll have a better understanding of how to use your retirement accounts to invest in real estate and how this strategy can benefit your clients. You'll also learn about the common misconceptions and myths surrounding this strategy, and how to navigate the legal and tax implications. So, are you ready to explore this new opportunity? Will you pursue this strategy with your clients? Tune in to the podcast to find out!Register for our Free Self-Directed IRA & 401k Training on 3/22: https://massiveagentpodcast.com/selfdirectedReady to get started? Click Here to Setup your Self-Directed IRA or 401k: https://massiveagentpodcast.com/equitytrustConnect with John BowensFacebookInstagramWebsiteProud member of the Broke Agent Media network***********************Sponsored by: Follow Up Boss, the CRM of choice for agents ready to scale quickly. Massive Agent listeners get a FREE 30 Day trial (no CC required!!) CLICK HERE***********************Recommended:Witly: the fully automated Facebook Ad management system for real estate agents and loan officers. Get a 14 day free trial HEREShop my Amazon Store: podcasting equipment, my favorite books, cool stuff for  REALTORS®, etcMassive Agent Society: I built the coaching program that real estate agents like you have wanted your entire career. Join the Society HEREBuzzsprout: Starting a podcast? Host your show with the same platform we use. Affordable, user-friendly podcast hosting for real estate agents - New users get a $20 Amazon Gift Card 

Did you know you can invest using your retirement plan? Listen to John Bowens as he elaborates on the power of Individual Retirement Arrangements (IRAs) to raise capital and make tax-free returns. We'll also cover utilizing its benefits to earn more while keeping your retirement money from stagnation, so be sure to check this out!WHAT TO LISTEN FORWhat is a retirement account and how to leverage it for better returnsThe process of converting your self-directed IRA into a real estate-backed IRACommon pitfalls and limitations of using self-directed IRAsTypes of asset classes where you can invest your IRAThe Unrelated Business Income Tax in the context of real estate purchasesRESOURCE/LINK MENTIONEDInternal Revenue Service https://www.irs.gov/To get a copy of Persistence, Pivots, and Game Changers for FREE, go to https://investonmainstreet.com/book and use the code “Passive Income Brothers.”ABOUT JOHN BOWENSJohn Bowens is one of the most sought-after and respected educators in the self-directed IRA industry. As Director, Head of Education and Investor Success at Equity Trust Company, John draws from his 20 years in the real estate industry and his experience as an active real estate investor. In his travels across the U.S. and virtually, he has trained 60,000 investors during more than 400 workshops and classes, spreading the message about the power of building tax-free wealth and leaving a lasting legacy by investing in what investors know best. In addition to thought leadership in the industry, John has also directed teams in both the front-office and back-office operations with Equity Trust, focusing on the custody of various alternative assets, including but not limited to, real estate, notes, private equity, precious metals, and much more.  John contributed to the book “Self-Directed IRAs: Building Retirement Wealth Through Alternative Investing” with Equity Trust Company Founder Richard Desich, Sr., and has appeared on several national real estate and finance-related radio shows, including the Rich Dad Radio Show. He received his bachelor's degree in Finance from Ohio University. CONNECT WITH JOHNWebsite: Equity Trust https://www.trustetc.com/Youtube: Equity Trust Company https://www.youtube.com/@equitytrustcompanyCONNECT WITH USTo learn more about investment opportunities, join the Cityside Capital Investor Club.Follow us on Facebook: Cityside CapitalFollow us on Instagram: @citysidecapital_tim_lyonsConnect with us on LinkedIn: Tim LyonsConnect with us via Email: greg@citysidecap.com | tim@citysidecap.com

There are several episodes where we have discussed how you can invest outside the stock market with your 401k or IRA. But did you know you could even invest with your Health Savings Account? How could you use these strategies to build your wealth faster than with your financial advisor? We sit down with John Bowens of Equity Trust to learn how to use retirement plans to put money in real estate. He also discusses UBIT and why it is not always a bad thing.

Investing in real estate is one of the most significant assets anyone could have. But other than that, a retirement plan is also crucial for you to really enjoy the fruits of your hard work and success. Investing in your retirement can give you many benefits, from purchasing properties to medical care and many more!   In this episode, John Bowens, Equity University's Director of Education at Equity Trust Company, has extensive knowledge of the self-directed IRA/401(k) process and will share his expertise with us. He discusses the three critical steps to optimizing your retirement accounts and how you can buy real estate properties using your IRA.   He also took the time to remind you not to raid your retirement plan! Tune in now and know why.   Highlights and Resources: John's Real Estate Background Public market's limited investment opportunities The Modern Portfolio Theory The EARN Act legislation Three steps of optimizing your IRA for custodian  What you need to know about IRA Why you should not raid your retirement plan Buying a Real Estate property with IRA Equity Trust - www.trustetc.com   About The Guest John Bowens, who is the Director of Education at Equity University, knows a lot about how the self-directed IRA/401(k) process works. John was personally taught how to invest in a self-directed IRA by Equity Trust's founder, Dick Desich. As a result, John has made a compelling educational program that goes into great detail about the technical parts of investing in a self-directed IRA. John incorporates real-world case studies and current market-focused applications and excites, energizes, and engages audiences.   Specialties: Assisting individual investors to purchase real estate and various other alternative assets with a self-directed IRA, 401(k), or another retirement account. These assets include, but are not limited to, rental properties, apartment complexes, commercial real estate, private equity funds, privately held LLCs, C-Corporations, tax liens, oil and gas partnerships, raw land, and a lot more.   Join the Community I'd love to hear your comments and questions about this episode.    Here are some great ways to stay in touch or get involved in the My Freedom Foundry community!   FREE Facebook Group - My Freedom Foundry - Free Yourself With Real Estate Investing | www.facebook.com/groups/myfreedomfoundry   Freebies and Resources  To Assist You in Growing Your Business | www.pauldavidthompson.com/work-with-me   Grab your copy of my best-selling book: ESCAPE: Money Mindset to Freedom with Stocks, Real Estate, and Starting Your Own Business is available at Amazon: www.amazon.com/ESCAPE-Mindset-Freedom-Starting-Business/dp/194987365X.      If you like what you hear, please subscribe and leave a rating or review!

Today's guest is a strategic marketing thought leader and has held roles at Fortune 100 companies as well as start-ups delivering profitable growth. He speaks about insurance and digital fluently and has a deep understanding of MarTech. David Drotos is the Vice President & Head of Marketing at Equity Trust. David discusses where to start The post Micro-Testing Your Marketing appeared first on WebMechanix.

John Bowens is one of the most sought-after and respected educators in the self-directed IRA industry. As Director, Head of Education and Investor Success at Equity Trust Company, John draws from his 20 years in the real estate industry and his experience as an active real estate investor. In his travels across the U.S. and virtually, he has trained 60,000 investors during more than 400 workshops and classes, spreading the message about the power of building tax-free wealth and leaving a lasting legacy by investing in what investors know best. In addition to thought leadership in the industry, John has also directed teams in both the front-office and back-office operations with Equity Trust, focusing on the custody of various alternative assets, including but not limited to, real estate, notes, private equity, precious metals, and much more. Break out a pencil and paper for this episode as you'll want to jot down some of the great ideas and tactics John shares on Thrive LouD with Lou Diamond. ***CONNECT WITH LOU DIAMOND & THRIVE LOUD***

We're really excited to be entering a new phase of the podcast series where we will be celebrating the 125th anniversary of the Liverpool School of Tropical Medicine.To do this, we will be hosting conversations about the ways in which the Global South and the Global North have learned from each other and the valuable collaborations that have shaped global health policies and practices and continue to influence them. These conversations, will of course, have a specific focus on engaging with communities and people.This episode examines how The Liverpool Vaccine Equity project applied lessons learned from the Global South, specifically Kenya, to reduce vaccine hesitancy in Merseyside and how the methods have created a legacy that is improving uptake of other health services. The episodes guests:Amina IsmailCommunity Mobiliser, Liverpool School of Tropical MedicineAmina is a Community Mobiliser at the Liverpool School of Tropical Medicine working on the Liverpool Vaccine Equity Project. She is a qualified Primary teacher and understands the positive impact of supporting communities to address inequality. Amina has over 25 years' experience in the UK and Saudi Arabia working with communities across both the education and health sector. She has supported multidisciplinary Community Innovation Teams (CITs) working in deprived areas of Liverpool to identify reasons for vaccine hesitancy. Amina has provided coaching and support to the Community Innovation Teams. She is committed to working with the CITs and engaging with different stakeholders to improve collaborative working reflective of a community-led approach to achieve vaccine equity. Relevant links:About The Liverpool Vaccine Equity projectProjectApproach (video)I did if for……photo exhibition 22 Vaccination StoriesZakirya HassanCommunity Champion, Merseyside Somali and Community Association and Kaalmo Youth DevelopmentThe aim of Zak's role is to reduce health inequalities and increase health equity and support his community. At Kaalmo Youth Development, Zak supports young people working as a sessional youth worker arranging trips, group activities and after school classes.He supports a community drop-in service held in the Merseyside Somali and Community Association helping people with benefits services, debt advice, support with translation and school admissions. Zak also runs his own organisation on the side Granby Toxteth Athletic a mental health sports organisation tackling mental health through physical activity they have as a walking club a football team and a basketball team.Relevant Links:Granby Toxteth Athletic ProjectMandela OgucheProject Officer, Continuous Quality Improvement, LVCT HealthMandela serves as Project Officer for continuous quality improvement at LVCT Health Organisation based in Kenya, Kisii County. He has previously worked on mixed methods research projects around quality of care in community health programs in multiple low- and middle-income community settings. His work provides a unique platform that empowers...

Human Resources is an ever-changing field and the Pandemic only seemed to demonstrate this further. From updating guidelines, to updating technology, the evolution of HR in the last few years alone is enough to put even the most ardent of HR professionals through the wringer. Now more than ever, HR professionals are relying on their attorneys, both in-house and outside counsel, to partner with them to navigate difficult issues. To help better make sense of it all, Chief People and Human Resources Officer for Equity Trust, Amy Hall, joins the podcast to discuss the change and development of HR functions in 2022 and beyond.

"รู้จัก Finnoventure Private Equity Trust 1 กองทุนสตาร์ทอัพแรกของไทย” - Market Talk Special >>> https://youtu.be/XthDU6yr3KU

This episode is sponsored by Origin Investments.Today we are diving into all things self-directed IRAs with John Bowens of Equity Trust. John is a senior manager at IRA custodian Equity Trust Company. John draws from his 15 years in the real estate industry and his experience as an active real estate investor. In his travels across the U.S. and virtually, he has trained 50,000 investors during more than 300 workshops and classes, spreading the message about the power of building tax-free wealth and leaving a lasting legacy by investing in what you know best. 0:00 Introduction1:31 Core benefits of SDIRAs5:16 SDIRAs and depreciation8:29 Roth and Traditional IRAs12:08 Rules of investing in IRAs14:38 NFTs and crypto15:44 SDIRA custodians18:09 Managing an SDIRA21:10 Things to look for in a custodian27:26 Investing in crowdfunded real estate deals30:53 Understanding UBIT40:56 The use of passive losses45:15 The impact of tax fear 47:41 Fair market valuation51:06 Potential tax changes 

Steven Tredget, of private equity investor Oakley Capital Investments, talks to Richard about the investment trust's objectives, sector and geographical weightings, top holdings, including edtech firm IU Group and online property platform Idealista, as well as the ‘digital disruption curve'. Enjoyed listening? Please like and subscribe. Visit ii.co.uk/funds and ii.co.uk/stock-market-news for more investing insight and ideas. This material is intended for educational purposes only and is not investment research or a personal recommendation to buy or sell any financial instrument or product, or to adopt any investment strategy. The value of your investments can rise as well as fall, and you could get back less than you invested. The investments referred to may not be suitable for all investors, and if in doubt, an investor should seek advice from a qualified investment adviser. Past Performance is not a guide to future performance. Interactive Investor Services Limited is authorised and regulated by the Financial Conduct Authority.

Richard “Rich” Desich is another long-time friend of Dutch. They have attended a few active and sporty challenges together. One the touch on in this episode. Richard Desich is co-founder of Equity Trust Company. Equity Trust is a leading financial services company that enables investors to diversify investment portfolios using alternative asset classes. He is a former President of the Retirement Industry Trust Association (RITA), the self-directed retirement industry's trade organization. Mr. Desich is also an active real estate investor and has traveled across the country educating investors on the advantages of self-directed IRAs and other retirement strategies. He has co-authored numerous articles, books, and educational materials on the topic of retirement planning. He is a graduate of Culver Military Academy and The Ohio State University. Mr. Desich also volunteers as a member of the Board of the Boys & Girls Clubs of Lorain County in Ohio. Hard Money with Dutch Mendenhall is a podcast that aims to showcase those in the world of finance and entrepreneurialism. The goal of this podcast is to get to know Dutch and our guests on a more personal level while allowing them to give you insight into the world they live in, how they got there, as well as what they can do for you. Follow Me on all my social media platforms. Dutch Mendenhall Facebook: https://www.facebook.com/TheRealDutchMendenhall Instagram: https://www.instagram.com/dutchmendenhall/ Twitter: https://twitter.com/TaxAuctionPros RAD Diversified Website: https://raddiversified.com/ Facebook: https://www.facebook.com/raddiversified YouTube: https://www.youtube.com/channel/UC3YSsFzsXLksebTwZtxL97Q American Survivalist Project Website: https://americansurvivalistproject.com/ Facebook: https://www.facebook.com/AmericanSurvivalistProject Instagram: https://www.instagram.com/americansurvivalistproject/ YouTube: https://www.youtube.com/c/americansurvivalistproject The Economic Activist Website: https://economicactivist.com/ #realestateinvesting #taxauction #realestateeducation #taxliens #taxdeeds #realestate #retirement #passice #generationalwealth #wealthbuilding #reit #passiveinvesting

Kalen Bruce of Freedom Sprout shares 3 simple questions that will help you spend intentionally and upgrade your finances Episode 1655: Intentional Spending - 3 Simple Questions That Will Upgrade Your Finances by Kalen Bruce of Freedom Sprout Kalen Bruce created Freedom Sprout to fill a void. He heard too many conversations about how "they don't teach finance in schools." It took years for him to stop complaining about it and do something about it. He has five kids, so him and his wife have to get five adults into the world with a solid knowledge of finances. The ultimate goal and vision of Freedom Sprout: To sprout a future of financial freedom for 1,000,000 children. The original post is located here: https://freedomsprout.com/intentional-spending/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Kalen Bruce of Freedom Sprout shares 3 simple questions that will help you spend intentionally and upgrade your finances Episode 1655: Intentional Spending - 3 Simple Questions That Will Upgrade Your Finances by Kalen Bruce of Freedom Sprout Kalen Bruce created Freedom Sprout to fill a void. He heard too many conversations about how "they don't teach finance in schools." It took years for him to stop complaining about it and do something about it. He has five kids, so him and his wife have to get five adults into the world with a solid knowledge of finances. The ultimate goal and vision of Freedom Sprout: To sprout a future of financial freedom for 1,000,000 children. The original post is located here: https://freedomsprout.com/intentional-spending/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Kalen Bruce of Freedom Sprout shares 3 simple questions that will help you spend intentionally and upgrade your finances Episode 1655: Intentional Spending - 3 Simple Questions That Will Upgrade Your Finances by Kalen Bruce of Freedom Sprout Kalen Bruce created Freedom Sprout to fill a void. He heard too many conversations about how "they don't teach finance in schools." It took years for him to stop complaining about it and do something about it. He has five kids, so him and his wife have to get five adults into the world with a solid knowledge of finances. The ultimate goal and vision of Freedom Sprout: To sprout a future of financial freedom for 1,000,000 children. The original post is located here: https://freedomsprout.com/intentional-spending/ Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Kalen Bruce of Freedom Sprout shares 3 simple questions that will help you spend intentionally and upgrade your finances Episode 1655: Intentional Spending - 3 Simple Questions That Will Upgrade Your Finances by Kalen Bruce of Freedom Sprout Kalen Bruce created Freedom Sprout to fill a void. He heard too many conversations about how "they don't teach finance in schools." It took years for him to stop complaining about it and do something about it. He has five kids, so him and his wife have to get five adults into the world with a solid knowledge of finances. The ultimate goal and vision of Freedom Sprout: To sprout a future of financial freedom for 1,000,000 children. The original post is located here: https://freedomsprout.com/intentional-spending/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

In this Episode John Bowens joins me to discuss the Equity Trust Company and what the offer!   John Bowens Equity Trust Company Sr. Retail Sales Manager & National Educator J.Bowens@TrustETC.com   John Bowens is one of the most sought-after and respected educators in the self-directed IRA industry, partly due to his unique ability to take a complex issue and break it down into simple-to-understand terms. Currently a Senior Manager at IRA custodian Equity Trust Company, John draws from his 15 years in the real estate industry and his experience as an active real estate investor. In his travels across the U.S. and virtually, he has trained over 60,000 investors during more than 400 workshops and classes, spreading the message about the power of building tax-free wealth and leaving a lasting legacy by investing in what you know best. John contributed to the book “Self-Directed IRAs: Building Retirement Wealth Through Alternative Investing” with Equity Trust Company Founder Richard Desich, Sr., and has appeared on several national real estate and finance-related radio shows. He received his bachelor's degree in Finance from Ohio University.   Testimonials Over the last decade Equity Trust's National Educator, John Bowens, has helped tens of thousands of people across the country understand the strategies covered in The Next Level Investors Online Series…but never before in this interactive online format. Furthermore, John has helped thousands of investors take action – from beginners to the most experienced – as they found ways to implement some of the very same concepts you'll discover during this three-part series. “I recently attended an Equity Trust workshop in San Diego. I can proudly say the morning session with John was the best 2½ hour learning session I ever had in my life. I am serious about it. He was dumping buckets of knowledge on us and I feel I am still soaked.” – Jay, California   Links to Video Presentations- Links to Video Presentations https://attendee.gotowebinar.com/recording/6057559613229301761 https://www.youtube.com/watch? v=nG9GleVXKgU&feature=youtu.be https://www.youtube.com/watch?v=TmOW05EU-do https://www.youtube.com/watch?v=k8TTw1XFsww https://www.youtube.com/watch?v=-yqgCECzlC0&feature=youtu.be   About Equity Trust Company Equity Trust is a financial services company, headquartered in Cleveland, Ohio that enables individual investors to diversify investment portfolios through alternative asset classes, including real estate, tax liens, private equity and precious metals. Equity Trust has over $30.1 billion in assets under custody and administration. Our tax-advantaged, self-directed investment accounts appeal to entrepreneurial investors who want to take control of their wealth. We offer clients a robust account management system, online investor community and wealth-building education, which enable them to grow their knowledge and complete transactions with ease. Visit http://www.TrustETC.com for more information.  

Tiffany Aliche of The Budgetnista discusses the power of an online only savings account Episode 1649: The Power of an Online Only Savings Account by Tiffany Aliche of The Budgetnista on Having A Savings Mindset Tiffany Aliche, is an award-winning teacher of financial education and is quickly becoming America's favorite, personal finance expert. She has made it her mission to empower women and provide them with access to the tools and resources needed to create a better life for themselves and their families. Through her company, The Budgetnista, Tiffany has created a financial movement that has helped over 800,000 women worldwide collectively save more than $100 million, pay off over $75 million in debt, purchase homes, and transform the way they think about their finances. The original post is located here: https://thebudgetnistablog.com/the-power-of-an-online-only-savings-account/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Tiffany Aliche of The Budgetnista discusses the power of an online only savings account Episode 1649: The Power of an Online Only Savings Account by Tiffany Aliche of The Budgetnista on Having A Savings Mindset Tiffany Aliche, is an award-winning teacher of financial education and is quickly becoming America's favorite, personal finance expert. She has made it her mission to empower women and provide them with access to the tools and resources needed to create a better life for themselves and their families. Through her company, The Budgetnista, Tiffany has created a financial movement that has helped over 800,000 women worldwide collectively save more than $100 million, pay off over $75 million in debt, purchase homes, and transform the way they think about their finances. The original post is located here: https://thebudgetnistablog.com/the-power-of-an-online-only-savings-account/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Tiffany Aliche of The Budgetnista discusses the power of an online only savings account Episode 1649: The Power of an Online Only Savings Account by Tiffany Aliche of The Budgetnista on Having A Savings Mindset Tiffany Aliche, is an award-winning teacher of financial education and is quickly becoming America's favorite, personal finance expert. She has made it her mission to empower women and provide them with access to the tools and resources needed to create a better life for themselves and their families. Through her company, The Budgetnista, Tiffany has created a financial movement that has helped over 800,000 women worldwide collectively save more than $100 million, pay off over $75 million in debt, purchase homes, and transform the way they think about their finances. The original post is located here: https://thebudgetnistablog.com/the-power-of-an-online-only-savings-account/ Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Tiffany Aliche of The Budgetnista discusses the power of an online only savings account Episode 1649: The Power of an Online Only Savings Account by Tiffany Aliche of The Budgetnista on Having A Savings Mindset Tiffany Aliche, is an award-winning teacher of financial education and is quickly becoming America's favorite, personal finance expert. She has made it her mission to empower women and provide them with access to the tools and resources needed to create a better life for themselves and their families. Through her company, The Budgetnista, Tiffany has created a financial movement that has helped over 800,000 women worldwide collectively save more than $100 million, pay off over $75 million in debt, purchase homes, and transform the way they think about their finances. The original post is located here: https://thebudgetnistablog.com/the-power-of-an-online-only-savings-account/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Philip Taylor of PT Money talks about whether or not it's worth it to change jobs for more money Episode 1642: Changing Jobs for More Money - Is it Worth It by Philip Taylor of PT Money on Career Financial Management PTMoney.com is about helping you make extra money, save more money, and spend your money wisely--all in an effort to help you fix your finances so you can build the life you want. It was started by Philip Taylor, a CPA, entrepreneur, and blogger who started the site in 2007. He also created FinCon, the popular conference for financial nerds. The original post is located here: https://ptmoney.com/changing-jobs-for-more-money-is-it-worth-it/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Philip Taylor of PT Money talks about whether or not it's worth it to change jobs for more money Episode 1642: Changing Jobs for More Money - Is it Worth It by Philip Taylor of PT Money on Career Financial Management PTMoney.com is about helping you make extra money, save more money, and spend your money wisely--all in an effort to help you fix your finances so you can build the life you want. It was started by Philip Taylor, a CPA, entrepreneur, and blogger who started the site in 2007. He also created FinCon, the popular conference for financial nerds. The original post is located here: https://ptmoney.com/changing-jobs-for-more-money-is-it-worth-it/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Philip Taylor of PT Money talks about whether or not it's worth it to change jobs for more money Episode 1642: Changing Jobs for More Money - Is it Worth It by Philip Taylor of PT Money on Career Financial Management PTMoney.com is about helping you make extra money, save more money, and spend your money wisely--all in an effort to help you fix your finances so you can build the life you want. It was started by Philip Taylor, a CPA, entrepreneur, and blogger who started the site in 2007. He also created FinCon, the popular conference for financial nerds. The original post is located here: https://ptmoney.com/changing-jobs-for-more-money-is-it-worth-it/ Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Philip Taylor of PT Money talks about whether or not it's worth it to change jobs for more money Episode 1642: Changing Jobs for More Money - Is it Worth It by Philip Taylor of PT Money on Career Financial Management PTMoney.com is about helping you make extra money, save more money, and spend your money wisely--all in an effort to help you fix your finances so you can build the life you want. It was started by Philip Taylor, a CPA, entrepreneur, and blogger who started the site in 2007. He also created FinCon, the popular conference for financial nerds. The original post is located here: https://ptmoney.com/changing-jobs-for-more-money-is-it-worth-it/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Christina Browning of Our Rich Journey informs you of 4 emergency funds you need, not including the traditional emergency fund Episode 1636: 4 Emergency Funds You Need Not Including The Traditional Emergency Fund by Christina Browning of Our Rich Journey Amon and Christina are former federal government employees that focused on saving, making, and investing money so that they could grow enough wealth in their investments to never have to work again. And, guess what? They did it! At the age of 39, they reached financial independence, quit their jobs, and retired! If you're interested in learning how to save, make and invest money on the road to financial independence and retiring early (i.e., FIRE) - their site is for you! Subscribe to their YouTube channel for more how-to videos on how to make, save, and invest more money in the pursuit of financial independence. The original post is located here: https://www.ourrichjourney.com/blog/four-emergency-funds-you-need-not-including-the-traditional-emergency-fund  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Christina Browning of Our Rich Journey informs you of 4 emergency funds you need, not including the traditional emergency fund Episode 1636: 4 Emergency Funds You Need Not Including The Traditional Emergency Fund by Christina Browning of Our Rich Journey Amon and Christina are former federal government employees that focused on saving, making, and investing money so that they could grow enough wealth in their investments to never have to work again. And, guess what? They did it! At the age of 39, they reached financial independence, quit their jobs, and retired! If you're interested in learning how to save, make and invest money on the road to financial independence and retiring early (i.e., FIRE) - their site is for you! Subscribe to their YouTube channel for more how-to videos on how to make, save, and invest more money in the pursuit of financial independence. The original post is located here: https://www.ourrichjourney.com/blog/four-emergency-funds-you-need-not-including-the-traditional-emergency-fund  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Christina Browning of Our Rich Journey informs you of 4 emergency funds you need, not including the traditional emergency fund Episode 1636: 4 Emergency Funds You Need Not Including The Traditional Emergency Fund by Christina Browning of Our Rich Journey Amon and Christina are former federal government employees that focused on saving, making, and investing money so that they could grow enough wealth in their investments to never have to work again. And, guess what? They did it! At the age of 39, they reached financial independence, quit their jobs, and retired! If you're interested in learning how to save, make and invest money on the road to financial independence and retiring early (i.e., FIRE) - their site is for you! Subscribe to their YouTube channel for more how-to videos on how to make, save, and invest more money in the pursuit of financial independence. The original post is located here: https://www.ourrichjourney.com/blog/four-emergency-funds-you-need-not-including-the-traditional-emergency-fund Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Christina Browning of Our Rich Journey informs you of 4 emergency funds you need, not including the traditional emergency fund Episode 1636: 4 Emergency Funds You Need Not Including The Traditional Emergency Fund by Christina Browning of Our Rich Journey Amon and Christina are former federal government employees that focused on saving, making, and investing money so that they could grow enough wealth in their investments to never have to work again. And, guess what? They did it! At the age of 39, they reached financial independence, quit their jobs, and retired! If you're interested in learning how to save, make and invest money on the road to financial independence and retiring early (i.e., FIRE) - their site is for you! Subscribe to their YouTube channel for more how-to videos on how to make, save, and invest more money in the pursuit of financial independence. The original post is located here: https://www.ourrichjourney.com/blog/four-emergency-funds-you-need-not-including-the-traditional-emergency-fund  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Sarah Sharkey of Student Loan Planner tells undergrads everything they need to know about paying for college Episode 1634: How to Pay for College - Everything Undergrads Need to Know by Sarah Sharkey with Student Loan Planner Student Loan Planner has the country's top experts in figuring out exactly what to do with monster student loan debt. If you owe $20,000 to $1 million in student loans, they can help you by creating a custom student loan plan made just for you that details the path to debt freedom, and connect you with private lenders that will refinance your loans at a lower interest rate. You'll also get a cash back bonus.  The original post is located here: https://www.studentloanplanner.com/how-to-pay-for-college/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Sarah Sharkey of Student Loan Planner tells undergrads everything they need to know about paying for college Episode 1634: How to Pay for College - Everything Undergrads Need to Know by Sarah Sharkey with Student Loan Planner Student Loan Planner has the country's top experts in figuring out exactly what to do with monster student loan debt. If you owe $20,000 to $1 million in student loans, they can help you by creating a custom student loan plan made just for you that details the path to debt freedom, and connect you with private lenders that will refinance your loans at a lower interest rate. You'll also get a cash back bonus.  The original post is located here: https://www.studentloanplanner.com/how-to-pay-for-college/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Sarah Sharkey of Student Loan Planner tells undergrads everything they need to know about paying for college Episode 1634: How to Pay for College - Everything Undergrads Need to Know by Sarah Sharkey with Student Loan Planner Student Loan Planner has the country's top experts in figuring out exactly what to do with monster student loan debt. If you owe $20,000 to $1 million in student loans, they can help you by creating a custom student loan plan made just for you that details the path to debt freedom, and connect you with private lenders that will refinance your loans at a lower interest rate. You'll also get a cash back bonus. The original post is located here: https://www.studentloanplanner.com/how-to-pay-for-college/ Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Sarah Sharkey of Student Loan Planner tells undergrads everything they need to know about paying for college Episode 1634: How to Pay for College - Everything Undergrads Need to Know by Sarah Sharkey with Student Loan Planner Student Loan Planner has the country's top experts in figuring out exactly what to do with monster student loan debt. If you owe $20,000 to $1 million in student loans, they can help you by creating a custom student loan plan made just for you that details the path to debt freedom, and connect you with private lenders that will refinance your loans at a lower interest rate. You'll also get a cash back bonus.  The original post is located here: https://www.studentloanplanner.com/how-to-pay-for-college/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Dawn Starks of Simple Money Pro talks about how to reduce the cost of car ownership Episode 1630: Reduce the Cost of Car Ownership by Dawn Starks of Simple Money Pro on Tighening Up On Car Payments Dawn Starks has been a financial planner for over twenty years. Her aim with financial planning work has always been to simplify things for clients. Making concepts easier to grasp and less scary is the goal. Dawn's SimpleMoney project - the blog, podcast, and soon-to-be courses and book is a co-project with her husband Greg. The original post is located here: https://simplemoneypro.com/blog/reduce-the-cost-of-car-ownership/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Dawn Starks of Simple Money Pro talks about how to reduce the cost of car ownership Episode 1630: Reduce the Cost of Car Ownership by Dawn Starks of Simple Money Pro on Tighening Up On Car Payments Dawn Starks has been a financial planner for over twenty years. Her aim with financial planning work has always been to simplify things for clients. Making concepts easier to grasp and less scary is the goal. Dawn's SimpleMoney project - the blog, podcast, and soon-to-be courses and book is a co-project with her husband Greg. The original post is located here: https://simplemoneypro.com/blog/reduce-the-cost-of-car-ownership/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Dawn Starks of Simple Money Pro talks about how to reduce the cost of car ownership Episode 1630: Reduce the Cost of Car Ownership by Dawn Starks of Simple Money Pro on Tighening Up On Car Payments Dawn Starks has been a financial planner for over twenty years. Her aim with financial planning work has always been to simplify things for clients. Making concepts easier to grasp and less scary is the goal. Dawn's SimpleMoney project - the blog, podcast, and soon-to-be courses and book is a co-project with her husband Greg. The original post is located here: https://simplemoneypro.com/blog/reduce-the-cost-of-car-ownership/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Dawn Starks of Simple Money Pro talks about how to reduce the cost of car ownership Episode 1630: Reduce the Cost of Car Ownership by Dawn Starks of Simple Money Pro on Tighening Up On Car Payments Dawn Starks has been a financial planner for over twenty years. Her aim with financial planning work has always been to simplify things for clients. Making concepts easier to grasp and less scary is the goal. Dawn's SimpleMoney project - the blog, podcast, and soon-to-be courses and book is a co-project with her husband Greg. The original post is located here: https://simplemoneypro.com/blog/reduce-the-cost-of-car-ownership/ Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Kevin of Financial Panther shares the unexpected benefit of earning less money each year Episode 1628: The Unexpected Benefit of Earning Less Money Each Year by Kevin of Financial Panther on Income Trajectory Kevin is an attorney, writer, gig economy expert, side hustler, and the blogger behind Financial Panther. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer. He started Financial Panther to share all he knows about personal finance, travel hacking, and making more money by side hustling. The original post is located here: https://financialpanther.com/the-unexpected-benefit-of-earning-less-money-each-year/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Kevin of Financial Panther shares the unexpected benefit of earning less money each year Episode 1628: The Unexpected Benefit of Earning Less Money Each Year by Kevin of Financial Panther on Income Trajectory Kevin is an attorney, writer, gig economy expert, side hustler, and the blogger behind Financial Panther. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer. He started Financial Panther to share all he knows about personal finance, travel hacking, and making more money by side hustling. The original post is located here: https://financialpanther.com/the-unexpected-benefit-of-earning-less-money-each-year/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Kevin of Financial Panther shares the unexpected benefit of earning less money each year Episode 1628: The Unexpected Benefit of Earning Less Money Each Year by Kevin of Financial Panther on Income Trajectory Kevin is an attorney, writer, gig economy expert, side hustler, and the blogger behind Financial Panther. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer. He started Financial Panther to share all he knows about personal finance, travel hacking, and making more money by side hustling. The original post is located here: https://financialpanther.com/the-unexpected-benefit-of-earning-less-money-each-year/  Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal  Please Rate & Review the Show!  Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group  Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group   Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

Kevin of Financial Panther shares the unexpected benefit of earning less money each year Episode 1628: The Unexpected Benefit of Earning Less Money Each Year by Kevin of Financial Panther on Income Trajectory Kevin is an attorney, writer, gig economy expert, side hustler, and the blogger behind Financial Panther. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer. He started Financial Panther to share all he knows about personal finance, travel hacking, and making more money by side hustling. The original post is located here: https://financialpanther.com/the-unexpected-benefit-of-earning-less-money-each-year/ Unleash your investing potential with Equity Trust today. Learn more and get started by visiting InvestorUnleashed.com/optimal Please Rate & Review the Show! Visit Me Online at OLDPodcast.com and in The O.L.D. Facebook Group Join the Ol' Family to get your Free Gifts and join our online community: OLDPodcast.com/group Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily

This episode is supported by Brizo • Monograph • Miele SUBSCRIBE  • Apple Podcasts  • YouTube  • Spotify CONNECT  • Website: www.secondstudiopod.com • Instagram • Facebook • Twitter  • Call or text questions to 213-222-6950 SUPPORT Leave a review :) EPISODE CATEGORIES  •  Interviews: Interviews with industry leaders.  •  Design Companion: Informative talks for clients.   •  After Hours (AH): Casual conversations about everyday life.  •  Design Reviews: Reviews of creative projects and buildings.  •  Fellow Designer: Tips for designers.

The people of the world I know that we all passing through heavenly race stay focussed and be alright life is full of bed of roses who stays on his path shouldn't be stubborned.

In a market affected like it is by the COVID-19 pandemic, volatility is the norm for investors rather than nuance. With all the shifts and uncertainty, Equity Trust Company CEO George Sullivan says the fundamental question on investors’ minds right now is when will conditions be better? For Sullivan, that’s the wrong question. Instead, it should be where are the opportunities?

Today you will be hearing from the pros on how to shelter more income using your real estate and a self-directed IRA. I will be sharing some customer stories of ways they were able to use their real estate to pay less in taxes. John Bowen of Equity Trust will be sharing examples of how you can use a self-directed IRA. CPA Keith Fulfer will be offering more tax saving insights.

John Bowens is with Equity Trust and joins us today to talk about making tax-free profits using a self-directed retirement plan. He talks about the differences between Traditional vs Roth IRA, ways to use money in a self-directed plan, and so much more!

Welcome to the Better Boards podcast series. I am talking with Mark Tennant about Post-Pandemic challenges: the role of the Chair in managing investor relations.I am Dr Sabine Dembkowski, Founder and Managing Partner of Better Boards. We make the boards of the most ambitious organisations more effective. Our mission at Better Boards is to contribute to creating better boards. We do this by providing clients with an evidence-based approach for board evaluations and board development programmes. To fulfill our mission, we give a voice to all who are care about creating better boards. Every 1st and 3rd Thursday of the month, I speak with those that serve boards - about topics that rank high on the agenda.In this episode, I am delighted to talk with Mark Tennant.  Mark has extensive experience chairing boards in the UK, Singapore and Hong Kong. His experience ranges from small start-ups through plc boards to trade bodies and charities.Mark is Chairman of BMO Private Equity Trust plc, Scottish Land and Estates, the trade body for landowning in Scotland, Centrica Pensions, a Non-Executive Director of Unit Trust of India International and a Trustee of the Royal Hospital Chelsea.Previously he chaired the boards of Scottish Financial Enterprise, the trade body for financial services in Scotland, Scottish Stockbrokers Bell Lawrie White Ltd, Hill Samuel Unit Trusts and Hill Samuel Private Clients Ltd. Mark also has broad political experience, having stood for Westminster against Gordon Brown in 1992 and as a candidate for the Highlands and Islands in the European elections of 1994. How can we help you and your board to become more effective? We at Better Boards are always delighted to hear from you. Get in touch. You can best reach us at info@better-boards.com. 

Greg Clement and Don Fowler interview John Bowens of Equity Trust. They discuss why right now is the perfect time to establish self-directed accounts and how you can be ready for the buying opportunities that will arise in the near future.They discuss the following topics in detail:*How to increase the yield on Real Estate Investments through Self-Directed IRA tax-mitigation strategies*How to buy rentals and perform fix & flips with a SDIRA*How other investors are creating wealth with their SDIRA’s*Why now is a great time to self-direct AND get ready for buying opportunitiesOur experts will also discuss:*CARES ACT SEC. 2103 - When is the right time to access your IRA funds and when to leave them alone*Solo K for self-employed individuals (don’t know what this is? Make sure you’re on this call!)*Partnering of accounts to do a larger investment and why this is a good idea*What is a Real Estate Joint Venture? Discover how you can do a minority investment share, but get the majority of the investment profit.Remember, people over profits is our number one priority. However, new buying opportunities will arise, creating win-win types of situations for both investors and sellers and we want you to be ready for them.About John BowensJohn Bowens, Sr. National Education Speaker and Retail Sales Manager at Equity Trust, provides educational resources to real estate and alternative asset investors. Through years of experience working with self-directed IRA investors and holding positions in contracting, operations and building management, John has developed an educational curriculum that delves deep into the lesser known aspects of IRA investment techniques.About Equity TrustEquity Trust is a financial services company, headquartered in Cleveland, OH that enables individual investors to diversify investment portfolios through alternative asset classes, including real estate, tax liens, private equity, and precious metals.For more up to date real estate investing news, current events and helpful resources, visit investorshift.comStart using Realeflow in your business today! www.realeflow.com ____________________________________________________You can follow us at:- Facebook: https://www.facebook.com/realeflow/ - Instagram: https://www.instagram.com/realeflow/ - Twitter: https://twitter.com/Realeflow 

Sana speaks with Dr. David Garcia and Rosie Vogel about the importance of community-based program planning, gaining trust, implementing gender and culturally appropriate public health programs, and advocating for underserved communities. David Garcia, PhD, is an assistant professor of health promotion sciences at the University of Arizona Mel and Enid Zuckerman College of Public Health. His work focuses on the development of gender and culturally sensitive weight loss interventions for Hispanic males. Rosie Vogel is the senior program coordinator of “Nosotros Comprometidos a Su Salud” (Committed to Your Health), a program developed to support research through community service and partnering with underserved Tucson residents.

How did financial industry startup Rocket Dollar achieve double-digit month-over-month growth in the highly competitive financial services industry? This week on The Inbound Success Podcast, Rocket Dollar co-founder Thomas Young shares details on the marketing strategy that helped this scrappy startup take on the 800-pound gorillas of the financial industry and quickly grow into a household name within two years of the company's launch. The great thing about Thomas's approach is that it doesn't require a huge budget and is something that any company - in any industry - can use to get results.  Highlights from my conversation with Thomas include: Rocket Dollar sells self-directed 401(k) and IRA accounts for anyone that wants to invest their retirement savings outside of stocks and bonds. The biggest use case is investing in multifamily real estate, venture funds or directly into startups in a way that is tax-protected. The company is a startup in the financial services industry, which is highly competitive and has very large, established players with enormous marketing budgets. Rocket Dollar had to overcome several challenges, one of which was people concerned that the company would not be around in a few years. In addition, they had to fight the perception amongst their target audience that people should be very conservative with their retirement savings and invest only in the traditional, established brokerage houses. Thomas has found that the best medium through which Rocket Dollar can address the challenges it is facing is email, so Thomas's goal in the beginning was always to get someone's email address. One way the company got traction in the beginning was by building upon the personal brands of its founders and focusing specifically on winning its local market in Austin, TX. The team that founded Rocket Dollar knew that differentiation would be key to the company's success, so everything from the company name, to the colors used in the branding and the design of the website is deliberately different than the rest of the financial services industry. Another way they differentiated was through messaging. While the rest of the self directed investing community was using anti-Wall Street messaging, Rocket Dollar channeled a more positive outlook that resonated well with its audience. The Rocket Dollar team knew that it would be essential to build trust with their audience, so they made a concerted effort to personalize the way they marketed, from sending emails directly from a founder rather than a corporate catch-all address, to including their faces on the website, etc. When they were ready to really turn on lead generation, the team used paid search to connect with prospects who were ready to buy. They did this by purchasing ads targeting long tail, high intent keywords that the bigger industry players were ignoring. This approach resulted in approximately half of the company's new contacts coming from its paid search efforts. When a new contact lands on the website, the primary CTA they are faced with is "get started," which is basically an immediate sign up for the product. Anyone who doesn't complete the sign up process is put into a lead nurturing workflow and subscribed to the company's newsletter. They have found that staying top of mind works very well for them, whereas anything that smacks of a hard sell really backfires because it jeopardizes the trust they've built with their audience. The team has invested heavily in creating educational content that it can share via email, and the result is that the company's unsubscribe rate is below a half a percent. Whereas 50% of the company's business comes from its pay-per-click marketing efforts, the other 50% is split evenly between leads from channel partners and customer referrals. Rocket Dollar has grown considerably in the last two years and now has customers in all 50 states, $75 million worth of IRA assets in its accounts, and grow in the double digits month over month. Thomas's advice for other startups that are competing in crowded markets is to win your backyard first, focus on getting email addresses (so you don't have to pay for access to your audience), and pay attention to the little things (make sure your marketing is very buttoned-up). Thomas also recommends leveraging the personal brands of your leadership team.  Resources from this episode: Visit the Rocket Dollar website Connect with Thomas on LinkedIn Follow Thomas on Twitter Contact Thomas by email at thomas@rocketdollar.com Get $100 off the setup fee on a new Rocket Dollar account using the code INBOUNDSUCCESS100 Listen to the podcast to get all the details on how Thomas and the Rocket Dollar team structured a marketing plan that enabled them to take on the giants of the financial industry and achieve double-digit month over month growth. Transcript Kathleen Booth (Host): Welcome back to the Inbound Success Podcast. I'm your host, Kathleen Booth, and today my guest is Thomas Young, who's the co-founder and VP of marketing at Rocket Dollar. Welcome, Thomas. Thomas Young (Guest): Thanks, Kathleen. Thanks for having me. Thomas and Kathleen recording this episode together . Kathleen: You have an interesting background because you formerly were an agency guy that used to work with financial services firms, but now you're actually the co-founder and VP of marketing in-house at a financial services firm. Can you talk a little bit more about your journey and your story, and also Rocket Dollar and what it is? About Thomas and Rocket Dollar Thomas: Sure. Yeah. So, my journey, it's been pretty fun and pretty fast-paced. Just right out of college, I kind of jumped into the startup ecosystem here in Austin, and my natural focus just sort of shifted to marketing, sort of accidentally. It was kind of the area that resonated the most with me. I graduated from UT Austin with an economics degree that helps in what I do today, but really, my focus and my sort of passion is marketing. I was working full-time at another company where one of the partners of that company also ran a financial advisory business sort of on the side and asked me if I could help her with some just very basic funnel stuff, everything from running Facebook ads to email marketing, just sort of seeing if we could learn together. It turns out I really enjoyed my time doing that, and so through her network I started getting more and more freelance clients, to the point where I basically quit my day job and focused full-time on this agency freelancing, and what I would do is just kind of run the project and then hire other contractors on Upwork or Fiverr or whatever to sort of help me with the heavy lifting. I really enjoyed doing that, and it was fun to market challenging products, which financial products are always challenging to market, and they're expensive to market, and so you have to get really crafty and creative, which I really enjoyed. In the sort of process of doing that, I came across this product that Rocket Dollar sells, which I'll get into in a sec, and I really didn't like the way it was being done by other companies, and I knew that just being in Austin and being in this space, that there was tech play here, and that this was a product that I really liked, that resonates with not only me, but with a lot of people, a lot of different investors. When I met my co-founders, we kind of decided that it was kind of a no-brainer to do this, because I knew the product, I knew the marketing, and my co-founders know the tech. So, it was just a very natural fit, and it came together really fast. So, what Rocket Dollar does is we sell self-directed 401(k) and IRA accounts for basically anyone with an IRA or a 401(k) that wants to invest their retirement savings outside of stocks and bonds. So, the biggest sort of use case that we have is you set up a Rocket Dollar IRA, and then you can go invest in multifamily real estate, or you can invest in a venture fund or directly into a startup, and it's all tax-advantaged, all tax-protected. So, any gains, for example, if you invest in the next Facebook as an angel with your IRA, you'll never pay taxes on it. We simply set up the structure of the account. We help you track your investments across whatever asset class, and then we service the account on the reporting side to the IRS. So, in a nutshell, that's what Rocket Dollar does, and I've been fortunate enough to not only be in on the ground floor, but also continue marketing this product that I really enjoy. David v. Goliath: How Rocket Dollar tool on the big players in the financial services industry Kathleen: Interesting. So, you alluded to this when you were talking about what led you to Rocket Dollar. It's obviously in the financial services industry. I too have had some experience with that at the agency level and know that it's incredibly competitive. There are a bunch of 800-pound gorillas in the industry, and that have really deep pockets, that can throw a ton of money behind the keywords they want to get found for. There are a lot of players, sheer numbers. So, coming in as a relatively new player in the industry that has a business model that is intended to be a high-growth model, yes, it's a tech play, but it's SaaS, essentially. It just happens to be in financial services. How do you wrap your brain around... You're going to have to grow this company a lot, and a lot of that growth is going to have to come through marketing, because this isn't an enterprise sales team pounding the pavement. I mean, I don't even know where to start. Talk me through how you begin taking on those Goliaths. Thomas: Sure. Well, it is challenging, and it's a lot of fun, but basically, what we started at the beginning is we knew that we were going to have to overcome several things. One is we're asking people to trust us with their retirement savings as a startup. So, the question, what happens if you're not here in two years, or in three years, or in five years, that question came up a lot in the first year of Rocket Dollar, and it scared a lot of people. So, that was one that we had to overcome. The second one was it's a completely new way of thinking about your retirement savings, something that you've been learning about since you were probably... Most people hear the word IRA from their parents when they're growing up, and the indoctrination of Fidelity and Schwab and Vanguard is strong, that this is money that is completely sacred, that you can't touch, that you can't do anything with, so just give it to us and let us fee you from now until you're 60, and that's strong for a lot of people. So, you have to overcome that. Then yeah, just getting any sort of bandwidth in that space, we have to be really creative with our lead gen, and then also with how we approach, for example, paid search on Google. I mean, it's so expensive when you knock up against certain keywords, and then it just drops off on other ones. So, we've been really creative there. The way that I think about it is if I can get to an email, then I can build that trust, because now I can communicate sort of one-on-one with that potential customer, with that consumer in a really cheap way, and then take my time building that trust. I'm not trying to sell you today. I'm not trying to sell you tomorrow. I just want to make sure that this is a good fit, and the best medium for us to be able to do that has been email. Then the other thing that we did just from the very beginning was try to win Austin. We're based in Austin. Our founders are known here. So, we each had a personal brand, if you will, and we really leveraged that in order to get Rocket Dollar sort of off the ground, and then just letting that sort of goodwill that we built up in Austin spread organically throughout the state, and then traveling to different conferences, making sure that we were there, that we were very present, very available, and that helped us a lot in the first year. It was not a lot of digital marketing, and a lot of face-to-face interactions, which I think really helped us out. Kathleen: I can appreciate that, though. I used to have an agency, and I live in Annapolis, Maryland, which is not a huge market. This is where my agency was, and I remember any time there came an opportunity that involved doing marketing for one of the small number of really large companies here in Annapolis, I was like, "We have to win this, because it's in our backyard." You have to win your backyard first, first and second and last. Right? You have to win at home if you're going to have any hope of winning everywhere else, because it's the friendliest market, and it's a great place to test out and kind of hone your messaging and your strategy. So, I can very much appreciate that approach. Now, did it really start with how you positioned the brand? I mean, is that kind of the first step, given that you're in this crowded marketplace? Why differentiation was key Thomas: Well, yeah, and one of the things that we knew that we needed to do was be a little bit different. The name Rocket Dollar is, in and of itself, different from some of these agencies, or some of these companies, I'm sorry, that are named after these titans, J.P. Morgan and Charles Schwab and these... We knew we needed a little bit of a different angle, and we needed to be just interesting enough to pique a little bit of curiosity. So, we did that. So, just beginning from the name, beginning from our approach to how we build our website, and just the tone that we took, it all sort of came together pretty organically, just because of the way we are as the founding team, but it was very conscious to not be, for example, another blue and white or green financial services company. We threw out the purple, and everybody thought we were crazy, and we got a lot of pushback, and now it's kind of just our thing. Kathleen: Yeah, can you actually... I want to dig into that a little bit, because this is something that I've run into myself. I used to, for example, do a lot of work with law firms, and there was one law firm I worked with, and I was like, "Everybody else is going forest green. You need to go left when they go right." You do get a lot of pushback because it's like, well, everybody else is doing it this way. So, I don't know if it's a fear-based reaction or what, but can you talk me through that decision-making process, and how did you get consensus around that? Thomas: Well, luckily for us, there was only two of us in the room at the time when we decided, so it wasn't this big... We were sitting in a conference room of another startup that Henry, my co-founder, was a board member of, and so they used to lend us this conference room with a whiteboard so we could sort of sketch out our ideas. We were on, I think it was Fiverr or Upwork or something, getting our sort of first logo made after we decided on the name, and we got this huge swath of different ones and different logo. One of them was purple, and Henry was like, "That sort of speaks to me," and I saw it, and I was... "Well, it's the one that stands out the most. These other ones look like regular financial services' boring logos, and I really like that purple." , we kind of just decided right there in about 15 seconds that we were going to have purple as our primary color. Then when we went out to investors, and when we built our first pitch decks, and when we hired our first employees, everybody just... They didn't really like it, and then now it's just a thing, and everybody knows us as the purple guys in Austin, and it just very naturally became our thing. Kathleen: But how did you make the decision to stick with it in the face of VCs and others who were saying, "We don't like this purple. It doesn't work"? Thomas: Probably mostly sheer stubbornness, to be completely honest with you. I think we just got attached to it, and the pushback wasn't all negative. There were some people that really liked that approach. So, we heard both sides of it, and we just decided that we were going to stick with our guns. I liked it as a marketer because it would just let me be a little bit different. On every conference that we went to, our logo is going to be a little bit different than everybody else. Everything we sponsor, it's just going to pop a little bit more. So, from a branding angle it was really easy... I really liked it just because it was easy to see, quite simply. There wasn't a whole lot of extra thought, whether purple means anything, or whether it stands for anything. I mean, I know that it does, but- Kathleen: Yeah. I think it stands for royalty, so maybe that means that you guys will be the kings of the industry someday. Thomas: Well, that's what we're going for. That's what we should've told the VCs instead of the fact that- Kathleen: There you go. Thomas: But no, it just happened very sort of naturally. Kathleen: In hindsight, do you think that taking that deliberately kind of different approach to visual branding helped set you apart? Thomas: I think so. I think it got us just that first little bit of mind share. The name as well, Rocket Dollar doesn't really convey that we're in the retirement industry, that we're selling IRA and 401(k) accounts, so I think that sort of piqued curiosity at the beginning, too, and Henry, our CEO and my co-founder, he had a company prior that was sold to Goldman Sachs called Honest Dollar, and they did very small business... It was a tech play on small business retirement accounts for businesses with less than 10 employees, that getting a 401(k) plan is very expensive. It was that, and so they exited, and it was a good win for them. So, Rocket Dollar was just kind of the natural progression. Now you can take a little more risk with your money, and so rocket it. I think we decided at 2:00 in the morning that we liked that named and... Kathleen: When all great names are developed. Right? Thomas: Yeah, yeah. Kathleen: I think in the case of my business, it was very late at night over a bottle of wine. Thomas: Yeah. There was a couple of cocktails involved, and we bought the domain on his phone at 2:00 in the morning for like $1,800, and that was just it from that day forward. Audience research and product development Kathleen: Awesome. So, you established the name. You got the visual branding. What came next? Thomas: So, at that point we started really just focusing on product, and so we weren't really thinking about the marketing in a traditional sense. Even though I'm a marketer, I was pretty heads-down with our product team, just building what the MVP was going to look like. So, during that time, we also had the ability to sit down with a lot of people around Austin and sort of generate that first sort of list before we launched. So, we really just focused on product, and then on just communicating with our stakeholders, and we did the classic "download your email list off of LinkedIn," and just start communicating what you're doing, seeing if there's interest, asking questions, sitting down with a lot of potential customers in Austin. The coffee shop across the street, by the end of those two or three months, they already knew to have our coffees ready. So, we just talked to a lot of people and asked them what part of our product resonated, what part scared them, what part they were excited about, and really focused on getting our messaging through that, listening to people that I'd sold these accounts to prior, that I knew were customers of the last company that I worked for, and also people that just were interested in sitting down with us. So, it was just really kind of a month-long listening campaign, if you will, to sort of determine what our voice was going to be. For example, a lot of people in this specific niche are very anti-Wall Street, and so they take a very negative tone, a very anti-government tone, very fear-based tone that resonates with a certain audience, and it works because I've sold these accounts that way before. I didn't want to be that company with that tone and that negativity, and so it was really more about building an empowerment sort of message and sort of a... This is going to sound really cheesy, but a "reach for the stars with your retirement dollars" message, and that resonated really well with everyone I talked to, not just people that would've liked the anti-Wall Street or people that really thought that this was too risky, but they liked that tone. So, once I heard that enough, I knew that that was sort of going to be our voice for when we started going outside of our little bubble in Austin, and it's worked. We get really good feedback on how we approach our messaging. Kathleen: It's really interesting that you bring up that choice of taking a fear-based or a positive approach to messaging. I've done some research into this, and I've been fascinated by it, and there's a lot of data from particularly the public health space, that while fear-based messaging can work, positive messaging that taps into positive emotions is so much more effective, especially over the longterm. It goes back to antismoking campaigns, and I think it's really interesting because right now we're kind of coming full circle where they're using these pictures of people with tracheotomies and disfigured faces to try to convince people not to smoke. The most effective antismoking campaign was the Truth campaign, and it's because they realized that if you want to keep kids from starting to smoke, the whole reason they start to smoke has nothing to do with them not understanding the health implications. It has everything to do with them wanting to rebel against their parents. So, if you make it, "Hey, rebel against Big Tobacco that's trying to control you," then they're like, "Yeah, I'm going to stick it to Big Tobacco and not smoke." That actually worked, as opposed to, "You're going to get black lung disease. You're going to need to have surgery, et cetera." So, then they did the same thing with heart bypass patients, what got them to make healthy changes over the longterm, and it was all more positive messaging. So, it's just interesting from a marketing standpoint that so many industries continue to use the fear-based messaging, I think because it is kind of easier, but I don't know, what my observation has been, that the ones that tap into the more positive stuff, those are the companies and the brands that actually build the most loyal following over the longterm, because that's what people really climb onto, and they want to be a part of a movement. Thomas: Yeah, absolutely. Even at its most basic level, it's just who we are as people, the people that work at Rocket Dollar. So, I'm kind of Mr. Happy-Go-Lucky. I come into the office with a big stupid smile on my face every day, and I'm not good at fear marketing because that's just not who I am. Building trust through personalization Thomas: So, it was also really easy for us to take this tone, just because it's our natural sort of way of existing, and I think that having that sort of authenticity early in our marketing, well, early and to this day, really helps us because it's very clear that there's people at the other end of our emails and of our messaging. I mean, I sign our emails. Our marketing emails, I sign them personally, or Henry does, or somebody does, because we want to make sure that there's people. We plaster our faces on our own website all over the place so that you can see who you're interacting with, who you're talking to on the phone, who is running the company that you're trusting with your retirement dollars. I mean, all of that is really important, especially in the retirement space when you're going up against these big brands like Fidelity or Charles Schwab or whatever. Kathleen: Yeah. I love that, that whole concept of personalizing it to transfer the trust. Getting into the audience's email inbox Kathleen: From what I understand, the company is under two years old, and it sounds like you spent the better part of the first year really developing the product, nailing down the messaging, et cetera, and then you talked about how then it became all about getting into somebody's email inbox. So, can you pick apart for me what approaches have you taken to that, what has worked really well? Because obviously, you're going after a big audience in the post-Austin kind of world. How do you go out to a cold audience and make it into their inbox? Thomas: Sure. Well, it's been fast. I mean, from when we sort of looked outside of Austin to having customers in all 50 states was a couple months. So, it went really fast. So, there is a natural sort of group of people looking for this product, and so at the beginning it was just capturing people that already knew that this was something they wanted to do, and it was going directly after our competitors on paid search, for example, and just capturing sort of the top of the funnel. Well, it would really be the middle of the funnel, because they already were aware. They were already educated. It was just a decision-making process. So, we were really good at capturing those people because the other people in this space, frankly, are just a little bit behind us on the tech and on the cost and all that, so it was pretty easy. Kathleen: Wait. Now, can you explain that a little bit? Because I think that's easy to say, but this is a challenge a lot of people have. This is an industry where your competitors are very well established. I'm sure the bid price for the keywords is really high. So, how exactly did you beat them at the paid search game? Thomas: Sure. Well, it was actually just going a little bit on longer-tail keywords, because the Charles Schwabs, the Fidelitys, they don't do exactly what we do, in that they don't sell you an account that allows you to invest in real estate or in stocks and bonds. So, whenever we go a little bit deeper into the keywords, the volume's actually much lower, and the keywords are much cheaper. So, if we were just bidding IRA, and then you're going to get all the big boys, and that's going to be a $15, $20 keyword. I mean, it's going to be ridiculous. Kathleen: Did you go after that at all, those short-tail keywords? Thomas: No, no. We couldn't afford it at all. The people that are searching for that are thinking about a Charles Schwab or a Fidelity account anyways. That's what they want. They want the stocks and bonds. But when you go a little bit further, then there's the people looking for, "Well, can I do real estate in an IRA? Can I do startups in an IRA, or investing in cryptocurrency through an IRA?" So, then you get to those, and yeah, the volume is lower, but the price is also lower, and frankly, it was more than we could handle. We weren't ready to scale and hit hundreds of accounts a month or thousands of accounts a month. So, it was good for us to be able to test that sort of slowly before really pouring gasoline on the fire. It was also a more educated audience because they knew that they wanted a self-directed account, and then we weren't going up against Charles Schwab. We were going up against Pensco Trust Company or Equity Trust, or some of these that as soon as you see their reviews online, it's pretty clear that we're going to just beat them on customer service, which is really where we do beat a lot of these people at, and our price point is significantly lower because, like you mentioned earlier, we're a SaaS play, not a service company. Kathleen: So, what percentage of your new contacts comes from paid search, roughly? Thomas: Probably about half. Kathleen: Okay. So, these people convert on an ad. They get into your database, and then you're putting them into email drip flows. Is that right? Thomas: Yeah. I mean, someone comes to our site, and we don't really have just plain lead captures. We really just have a signup button, and so that's our first lead gen, basically, tool. At that point, if they do not finish buying an account, then they come into sort of a short-term nurture that then turns into a long-term nurture after about a month, and then it goes into a newsletter list. So, we've found that if people... Because of the sort of mid-funnel group that we're really heavily going after in the paid search, they're already aware, they're already educated, if they don't convert within three days, it's going to be... They will convert. A percentage of them does convert, and it's a high percentage. It's going to be probably a month to three later, and that's simply because whenever you buy an account from us, you self-direct your money. So, if they don't have an investment in mind, they don't set up the account until they knew what they're going to do. So then really, it's just about staying top of mind in this space so that whenever something does come across that they want to do, it's just an automatic reaction that, "Hey, those Rocket Dollar guys, I'll just go set up my account there. It'll be easy, cheap, whatever, and then I'll make my investment." So, I'm really just more focused on staying sort of relevant, providing value, talking about the space, talking about different investment types, and then people convert naturally once they decide it's something to do. The thing that really does not work well for us is the hard sell, because people, the minute you start trying to do a hard sell on a retirement account, people lose trust, and then it's just very transactional, and it's not really... You lose, and we found that out pretty early. So, it's just providing content, being top of mind, staying in touch, and people convert naturally. Email lead nurturing Kathleen: Is there something you're doing in those email nurture sequences or in your newsletter to really keep people engaged? Because I do find for myself at least, if I show that initial interest, I convert on something, but if it is that two-to-three-month period, and I'm not ready to sign up, I get very highly likely to unsubscribe unless something is really, really delivering value, because I don't like my inbox being cluttered by things that are not really worth it. Thomas: Yeah, yeah. Absolutely, and I'm the same way. One of the big investments that we've made is on educational content. So, we share a lot of blogs, a lot of webinars that we're on sometimes. We've launched our own podcast that's growing pretty quickly. So, I think as long as we provide educational content and really go for those light bulb moments with people where, "Oh, I didn't know that. That's cool. Let's see what comes next week or next month or whatever," as long as we share something that resonates and a little bit of a longer form, not just get a hundred dollars off emails. Those are really annoying. But we spend a lot of time and energy creating content that we think will resonate. Our unsubscribe rate is below half a percent, so it's really working, and we write about what we're reading or learning in that moment. So, it really kind of happens organically, what we choose to share, especially in our newsletters. Our nurture emails are a little bit more permanent. We don't edit them that much. But our newsletter and our blog is really just sort of what the team is interested in that week. So, that's worked, and I think we'll continue to do that. Channel marketing and referrals Kathleen: Now, you mentioned about half of your new contacts come from pay-per-click. Where does the other half come from? Thomas: Yeah. So, the other half, we spend a lot of time with partners, so people that are raising money for their own projects. So, it could be anybody from a real estate investor raising a small syndicate fund to an entrepreneur that's raising a fund, or that's raising money for their own startup, or there are some bigger partners. So, for example, Gemini in the crypto world, Fundrise, sort of these investment platforms, we go to them and say, "Hey, to tap into another pool of funds, did you know that people can invest in you through an IRA? Send them to us. We'll set up the account for them, and then you get their money as an investor." So, that's worked really well for us, too, on the brand-building side because these trusted sources are referring us business because we're taking care of their investors. As long as we continue to take care of other people's investors, we really win there. That, I would say, is about 25% of our business. Then the other 25% of our business is customer referrals. So, our own customers are telling people about us, and that's working really well. We do have a referral campaign that kicks off about 60 days after someone purchases, make sure that their account's funded, that they've made an investment, at which point we do circle back and say, "Hey, if there's anybody in your audience that you think would be interested in this, here's some material that you can share. We'd really appreciate it." The cool thing about these accounts is that it's, I think, the only retirement account that people talk about with their friends over the dinner table because they feel really smart when they bought a rental property with their IRA. So, it's natural that our customers share it, and it's... Yeah. That accounts for about 25% of our business, is just our referral campaign. Kathleen: Yeah. It's a lot more interesting than saying, "Yes, I am 30% invested in a low-risk bond fund." No, no, no. I don't want to hear about that. Customer Facebook group Thomas: Yeah. No, it's definitely something that people like to talk about. We have a really great customer-only Facebook group where people talk about what they're doing, where people share ideas, where people ask us questions. So, our team is in there moderating it all the time, and it's kind of the, "Oh, you don't have anything to do for an hour? Let's go check what's happening in the Facebook group." People are sharing some really cool stories. So, we market that a little bit, where you get access to this investor group. So, people like that education, and that group sort of sparks creativity for a lot of our customers, and I think that that really has been a good thing for us to do. Kathleen: That's interesting, because I guess... Correct me if I'm wrong, but are there many other companies like yours or in the industry that are tapping into Facebook groups? I don't get the sense that there are. Thomas: In my experience, no, and I've bought accounts from most of our competitors, just testing out their processes, seeing what's going on and what's not, what they're doing well, what they're not doing well, and then comparing it to what we're doing well and not well, and no, I've never been invited to a Facebook group. Kathleen: Yeah. It's also interesting, too, because... This could be my lack of knowledge speaking, but from the limited knowledge I have of marketing in the financial industry, you have FINRA and SEC guidance on what you can and cannot say yourself, but I imagine in the Facebook group your customers can say anything, pretty much. Is that right? Thomas: Yeah. Yeah, they can anything they'd like, and they do. But one of the advantages that we have is as a... I mean, technically we are a third-party administrator, so we are really handling paperwork. We're not advising. We're not investing. We're not touching money. So, we have a little bit more leeway in what we can say than a traditional financial services company. I mean, we cannot advise, but we can... Most of our customers aren't looking for us to advise. What they're looking for is if we come across a deal that we think they'd be interested in, a lot of times we'll share just if we have a personal relationship with that customer, which a lot of times we develop that relationship, and we can speak to the legality of whether it's an allowed transaction with the IRA, because that's a pretty clear yes/no. That's sort of where we keep it, but we'll talk about... If I make an investment through mine, I'll post it in the Facebook group and say, "Hey, I thought this was cool. I did it. If anybody else wants to participate, there it is." So, it's pretty crazy how much money moves around just off of those little posts that we put on that group. Our partners, luckily for us, are realizing that we're tapping into almost 10 trillion dollars worth of IRA money, and that there's some significant funds there for their projects. What makes Rocket Dollar's channel marketing strategy successful Kathleen: That's interesting. So, the partners interest me because I've talked with a number of different people on this podcast about channel marketing strategies, and I think this sounds like a channel marketing strategy, but with a twist. Fair to say that that's really what it is? Thomas: Absolutely. Absolutely. I mean, we market directly to partners to try to get them in our... I mean, we have a whole separate funnel for partners and a whole separate section of the website for our partners where they can learn about raising money through IRAs with the goal really being of them referring us customers. What we tell them is, "Hey, look. It's available. You don't have to know all that much about it. You have to know that you can do it. Send them to us. We'll educate them. We'll let them know what needs to happen. You don't need to work that hard. Let us work hard, and then the end result is that you get your deals funded faster, and your investors will be taken care of." Kathleen: It's funny that you put it that way because I've been actually a reseller, a value-added reseller in a number of channel programs, and when I talk with people about what I think, at least from that side of the equation, makes a great reseller program, it is the programs that make your life really easy as the reseller. So, I was a HubSpot partner for 11 years, and they have an amazing partner program, and it's because they make your life so easy. They spoonfeed you white-labeled content. Here's 10 emails you can use to nurture people. They put you through sales training. Literally, you can't almost fail, and that makes it such an appealing program to be a part of, and it sounds kind of like that's the same approach you've taken here. Any thoughts on what it is that has made your partner program so successful? Thomas: Well, I think at the end of the day it's that it gets... I mean, they're not even resellers. It just gets their deals funded faster. So, it's a true win-win. We get a customer, and they get money into their deals. So, it's not even that... It's just a tool for them to make their life easier, so it's like... The easiest way to put it is if they have to work less and I'm saving them time, and they're just getting their money faster. I mean, it's just really that simple for us, and we're not paying our partners. Maybe we'll give them a discount, but it's really just... We'll make your life easier if you refer us business. Kathleen: Yeah, that is huge. Thomas: Yeah, yeah. It's pretty simple, but it's powerful. Rocket Dollar's growth Kathleen: So, can you share anything about the company's growth in the last two years, and kind of where you are right now as opposed to when you started? Thomas: Yeah. So, like I mentioned earlier, we've really sort of grown in 2019, is really when poured a little bit of fuel on the fire. We have customers in all 50 states now. We've got somewhere around $75 million worth of IRA assets in Rocket Dollar accounts. Right now, we're really sort of continuing to grow in the double digits month over month, so it's going really well. Then we're really focusing again on our channel partners, but some of the bigger ones. So, we're going after the big players, the YieldStreets of the world, the Crunchbases of the... Or Crunchbase. I'm sorry, Coinbase, the Coinbases of the world, where it's really a mega strategy where it's not five or 10 accounts. It's a thousand to 5,000 accounts, and really hooking in to their APIs with our own so that it's just a seamless experience for them and for their customers to get into their deals with IRA dollars. So, that's really sort of what's on the roadmap, and then we are also launching, about halfway through next year, a robo advisor so that if you don't know the alternative deal that you want to participate in, you can have your traditional stocks, bonds, mutual funds, inside of a Rocket Dollar account, so when you are ready to make that investment, your money's all right there, and you don't have to set up the account, or when you exit an investment, you don't have to transfer again to Vanguard or to Schwab. You can just do it all inside Rocket Dollar. So, we're really sort of pursuing the whole account versus just the amount that you're going to use to buy that rental house instead of transferring... If it's a hundred-thousand-dollar house, people are transferring a hundred-thousand dollars over to us, we'd rather them just bring over the whole thing and have everything in one account. So, that's really our product roadmap for the next six months to a year. What does it take for a startup to succeed in a highly competitive market? Kathleen: That makes sense. Now, if somebody is listening and they have a startup, and they're in the same situation you were two years ago, where they're entering a market that's very crowded, that has some very well funded incumbents, can you sort of boil down to two or three things that you think, based on your experience, are essential to do to be successful in that situation? Thomas: Yeah. I think number one is win your building, win your block, win your zip code, win your city slowly, and it's a lot of manual or in-person interactions. It's really getting yourself out there, and then your company sort of follows. I think that's number one, because you're not going to win on Google. You're not going to win on Facebook. You're not going to win on Instagram, because these guys are spending a day what you might raise for your entire seed round. I talk to people, I met with a company the other day, and they said that they haven't turned on their full digital spend. They're only spending $350,000 a month. Kathleen: Oh, amateur hour. Come on. Thomas: Yeah, and that's what I spend in a year. Kathleen: Right. Thomas: Right? You're not going to compete on their turf, so you got to be creative and come up with your own turf. For us, it was winning Austin, and your goal being not selling an account, but getting an email address, and that way we could continue to communicate with you without having to pay for it, if you will, because I can write copy, and I can write emails, and so it was really just finding the cheapest way to talk to people, and for us it was email. The other thing is we really focused on the little things, on appearing very buttoned up, on punctuation, on editing, on grammar, on spelling, everything that you don't really think about, but the minute someone sees a typo on an email from a financial services brand, you've lost because you can't be making those mistakes if you want to talk about someone's retirement. Kathleen: Right. If we can't trust you with our commas, how are we going to trust you with our dollars? Thomas: Exactly. Exactly. So, those two things for us were very sort of fundamental, is winning Austin, and then just focusing on the little things, like spending the extra hour to edit a blog post, or spending the extra 30 minutes to lay out the email perfect, and those little things really added up for us. We're still doing them. I mean, it's still a huge focus for us. We're still trying to win trust. We're still trying to win mind share. So, everything that we did in year one we're still doing. Kathleen: Now, just to digress for a second, you mentioned something that we really didn't touch on, which is putting yourself out there. I think you briefly mentioned it earlier, personal brands. I think there are probably a lot of founders who are technically very savvy about the product they're building. They're very passionate about it. But I've met many who are very reluctant to put themselves out there. Any advice as far as how to do it, why to do it, and what impact it's had on the business? Thomas: Yeah, absolutely. We've been lucky that two of our three founders are very extroverted. Henry and I are comfortable in front of crowds, and Rick, who's our third co-founder and our CTO, is also very comfortable with people, and he's very technical. So, we got very lucky that we have three founders that are very willing to grab a microphone. It really doesn't faze us all that much. Henry already had a pretty strong personal brand in Austin because of his prior exits, because of his work in the 401(k) space for... He set up probably a couple hundred 401(k)s for different businesses around Austin, so he was very well known. To be completely honest with you, I struggle with the whole concept of personal brands because it's not really my forte to really promote me. I'd rather promote the brand. So, it was something that I had to learn, but I think it's just practice and getting out there, and taking every opportunity that you can to grab a microphone, to speak, to talk about your company, and you don't even have to talk about yourself. Just talk about your company, because that's what you're passionate about, and that's what you know, and that's what resonates with people. Start with your audience. Start with your people. Right? If you're very technical, go to technical meetups and practice there, and then just grow slowly, and you'll get more and more comfortable just by sheer process of repetition. Kathleen: I love it. That's great advice for, I think, really anybody who's trying to build a company, whether they're the founder, the head of marketing, the head of sales, et cetera. Thomas: Absolutely. Kathleen's two questions Kathleen: Well, I don't want to finish without asking you the two questions that I always ask all my guests. Thomas: Sure. Kathleen: We talk a lot about inbound marketing on The Inbound Success Podcast, so is there a particular company or individual that you think is really killing it right now with that? Thomas: You know, I hesitated to say this because we talk about them so much, but I was having a conversation with our account manager at HubSpot a couple months ago, and they really kill it. They've actually recently stopped having any sort of outbound sales at all. They are only inbound now, which I thought was risky and also amazing. I mean, they must be doing it so well to be able to take that big of a bet on- Kathleen: I'm convinced it's because their database has every single person on the planet earth in it. Thomas: Oh, yeah. No, they know... Kathleen: Yeah. Thomas: No, I think they're doing it really well, and it's obvious that they're still accelerating, and they're still growing. I mean, we're on HubSpot. I love HubSpot. I'm a huge fan. Their educational content, it's fantastic. I think that they really are doing a really good job. Kathleen: Okay, and then second question, one of the biggest things I hear from marketers that I speak to is that things are changing so quickly. Digital marketing is like drinking from a fire hose. How do you personally, as the head of marketing and a co-founder at Rocket Dollar, how do you stay up-to-date on everything? Thomas: Well, I'm sure like a lot of other guests, I read almost everything. I spend a lot of time... I love Medium.com. They have some really good publications. There's one called Better Marketing that is fantastic. It has really good content. So, I'm on Medium a lot. I read a lot of just news and a lot of sort of industry... The CMO section of The Wall Street Journal I think is fantastic, just because it's all relevant and timely. Then there's three books that have really spoken to me that have been fantastic, and one of them is called Don't Make Me Think, and it's all about user behavior online and why some things work and why some don't, and A/B testing and all that. It's pretty in the weeds, but it's fantastic. Another one is Lean Analytics. It's fantastic. It's very dense. It's like a textbook, but if you can get through that, you'll come out the other side just really able to sort of mix the creative and the analytical bit that's really important for marketers. I mean, the part that drew me to marketing was the numbers as much as the creativity, and I really like that balance. So, Lean Analytics is a great one if you're heavy creative and need some analytics help. Then there's a third that's really just a guide. It's called The Art of Digital Marketing. It's a big, thick book that's fantastic. So, those three, I think you could definitely get freelance clients just if you read those three. You could start working and marketing, and then just staying up-to-date with when Facebook changes their algorithms or when Google changes their bid process or whatever. That's just the sort of in the weeds stuff. But yeah, I would say Medium.com and those three books. Kathleen: I love those suggestions. Yeah. Those are three books that I have not heard people mention on here before, so I will definitely check those out. If you're listening and you want to find all those things, of course I'll put the links in the show notes, so head there to get ahold of those. How to connect with Thomas or learn more about Rocket Dollar Kathleen: If somebody wants to learn more about Rocket Dollar or wants to connect with you and ask a question, what's the best way for them to do that? Thomas: Yeah. So, I set this up for this podcast, but if you go to rocketdollar.com/inboundsuccess, we can talk there, and then also, I set it up, just if anybody is interested in one of these accounts, we'll knock a hundred bucks off the setup fee if you use INBOUNDSUCCESS100 at checkout. And then if you want to reach me personally, my email is thomas@rocketdollar.com. So, feel free to reach out. I mean, I stay on top of that, and I'm pretty open on it. So, that's really the easiest way to get to me. Kathleen: Great. Again, I'll put all those links in the show notes, so head there if you want to take advantage of any of those opportunities. You know what to do next... If you're listening and you liked what you heard or you learned something new, leave the podcast a five-star review on Apple Podcasts. That helps us a lot get in front of new listeners. And of course, if you know somebody else doing kick-ass inbound marketing work, tweet me @WorkMommyWork, because they could be my next interview. Thanks so much, Thomas. Thomas: Cool. Thank you, Kathleen. I really enjoyed it.

See Equity Trust's Presentation LIVE at our 3 Day Find & Fund INTENSIVE Seminar on March 1st, 2nd & 3rd at the Renaissance St. Louis Airport! Register Here: https://ssiconline.com/3-day-find-and-fund-seminar/ Welcome back! In this episode, Nick speaks with John Bowens of Equity Trust, Inc. Not only is John a Jedi Master at self-directed IRA's, but he is a seasoned Real Estate Investor for the past 15 years in Cleveland, OH. Self-Directed IRA/401(k) investing, although widely misunderstood and underutilized, allows investors to architect a diversification strategy with assets often not found in traditional asset allocation models. Assets including, but not limited to, real estate, mortgage notes and trust deeds, small businesses, joint ventures, private equity, and precious metals.

Wertpapierbesprechung des Gabelli Equity Trust Preferred Share: Einstieg und Überblick, Historie und Kennzahlen, Konditionen und Besteuerung, Chancen und Risiken, Zusammenfassung und Stammdaten

John Larson and the Real Estate Cowboys talk passive income real estate investing. Hear new episodes every Sunday morning at 8 a.m. The Cowboys talk to John Bowens of Equity Trust about the tax benefits surrounding self-directing your IRA or 401(k). Bowens is an active investor himself and walks through his experiences in real estate. Keep the #CowboyCoffee hot while listening to John, and the Cowboys talk about how to #BeACowboy and earn passive income in real estate.

Topics include: New branding for Zencash, now Horizen The upcoming Contra Cruise, October 21-28 Universal basic income, pros and cons P3D, POWH.io, and FOMO3D Thank you to my new sponsor, Equity Trust. Check out their free e-book, “Guide to Investing in Digital Currency with an IRA.”   In this episode, entrepreneur Rob Viglione discusses new branding for his company, Horizen (formerly Zencash). The coin name and ticker remains “ZEN,” and users of zencash don’t need to change anything! The new branding reflects their broader vision to build a full digital economy, including investments, new wallets, and liquid democracy with an on-chain voting system. See their website and exciting new projects at horizen.global. Next, we feature Bob Murphy, an economist at Texas Tech University, the Institute for Energy Research, the Fraser Institute, and The Independent Institute. He’s also a co-host of Contra Krugman, a weekly podcast in which he addresses The New York Times economist Paul Krugman.   Relatedly, I’ll be joining Bob Murphy on the upcoming Contra Cruise, October 21-28, sailing from San Diego along the Mexican coast with like-minded libertarians, economists, and fun people. At various stops, people can enjoy beaches and touring local cities. While sailing, the cruise features sessions in the morning on history, economics, and more.   Bob Murphy discusses how he became interested in cryptocurrency and how he brought his knowledge of monetary theory to understanding the new technology, eventually releasing a book online, Understanding Bitcoin. I also recently did an episode of The Tatiana Show on P3D, POWH.io, and FOMO3D. Bob assesses their models along with ideas about universal basic income and existing solutions to certain economic problems, such as Sam’s Club. Do you think P3D or similar projects represent brilliant new economic models? Do you support a universal basic income policy? Comment below or ping me on Facebook or Twitter. About the Guests: Robert Murphy is a research assistant professor at the Free Market Institute. Dr. Murphy earned his B.A. in economics from Hillsdale College and his Ph.D. in economics from New York University. Prior to joining Texas Tech University, he was a visiting assistant professor at Hillsdale College, a visiting scholar at New York University, a research analyst at Laffer Associates, and a senior fellow with the Pacific Research Institute. He is currently Senior Economist at the Institute for Energy Research, where he writes a frequent column on the economics of climate change. Dr. Murphy also serves as a senior fellow with the Fraser Institute, an associated scholar with the Ludwig von Mises Institute, and a research fellow at the Independent Institute. He has authored numerous scholarly articles and energy policy studies, over 100 popular publications for lay audiences, and multiple books. His most recent book is Choice: Cooperation, Enterprise, and Human Action (Independent Institute, 2015). He and best-selling author Tom Woods also host a weekly podcast, Contra Krugman, in which they critique the New York Times column of economist Paul Krugman from alternative economic perspectives. Rob Viglione is co-founder of ZenCash, a decentralized blockchain-based platform for private transactions, communication, and document publishing. He’s also a Board advisor for ETHlend and HeroEngine World. As a PhD candidate in finance, Viglione is an expert in crypto-finance, asset pricing, and crypto-related innovations, and teaches university courses about Bitcoin and blockchain applications. If you like this content, please send a tip with BTC to: 1444meJi7YjgQGNg3U8Z6qYZFA5cgz4Gmj More Info: TatianaMoroz.com CryptoMediaHub.com ConsultingByRPM.com Zencash.com    Friends and Sponsors of the Show: TheBitcoinCPA.com CryptoCompare.com FreeRoss.org ThirdKey.Solutions SovrynTech.com www.SexAndScienceHour.com www.TrustEtc.com/Crypto  

Community development financial institutions or otherwise known as CDFIs are powerful tools that are an important player within the continuum of credit spectrum to strategically deploy capital within disadvantaged communities. CDFIs partner with banks and other community development entities to realize the power of partnerships to realize impact. In this podcast, Mark Pinsky shares a few stories of his CDFI journey and will share his new CDFI Friendly Cities initiative and his deep thoughts about community development. Mark will share his insights on how communities gain access to valuable and financing for small business, commercial real estate and housing and how you facilitate and lower the costs for CDFIs to expand their coverage and increase their financing activity into new, underserved CDFI markets. He will also share how CDFI investors expand opportunities and attract new investors who have previously lacked knowledge of and opportunities to invest in CDFIs. Join us on a CDFI journey to transform communities through the power of economic development and the Community Reinvestment Act. Get ready for a fun and meaningful listen! A few highlights and links to explore: Mark Pinsky https://moneypluspurpose.com/about/Opportunity Finance Network https://ofn.org/Chuck Matthei, Equity Trust http://equitytrust.org/chuck-matthei/Cheers! Linda

How Do You Find Private Money Lenders?http://www.JayConner.com/MoneyPodcastListen to our Podcast on iTunes: https://itunes.apple.com/ca/podcast/real-estate-investing-minus-bank-flipping-houses-foreclosure/id1377723034?mt=2Google Play:https://play.google.com/music/listen#/ps/Ihrzsai7jo7awj2e7nhhwfsv47yThere are only a few companies that will allow you to use your Self Directed IRA/401K to invest in housing.Step One: Talk to your Plan Administrator about transferring your funds out to a Self Directed IRA, tax-free, penalty free.Step Two: Recommended Self Directed IRA company: Equity Trust, Ohio, www.Trustetc.com.Step Three: Take action! Establish a relationship with a representative of a Self Directed IRA company, that you can refer your potential Private Lenders to.Step Four: Contact Jay after taking our free course: http://www.JayConner.com/MoneyPodcast

What happens when the SEC accuses one of the biggest self-directed IRA custodians in America of helping to promote a Ponzi scheme… a scheme which wiped out many MILLIONS of dollars from the accounts of that custodian’s clients?  I’m Bryan Ellis… I’ll give you the latest RIGHT NOW in Episode #86.---------------It’s an ugly, ugly situation, my friends.  And I hope you’re not one of the many unfortunate investors who were victimized.Before I give you all of the sordid details, it’s important that you understand that everything I’m about to share with you is allegation on the part of the SEC.  This has not yet gone to court, though it’s heading there presently.  It’s entirely possible that the huge Self-Directed IRA custodian involved in this situation could be fully exonerated.  They have denied the charges.But I’ve got to tell you… it doesn’t look good for Equity Trust, one of the largest – if not the very largest – self directed IRA custodian.I’ll give you the ugly details about that in just a moment.  But first, I’d like to give a heart-felt thank you to:  EVERY ONE OF YOU.  I just love doing this show… I love that you listen to this show… and I’m truly, truly grateful for you.So, back to our story:Here’s my reading of the situation from a layman’s point of view.  Equity Trust is in trouble because the SEC believes that they, in effect, helped to promote an investment that turned out to be a fraudulent Ponzi scheme… and they did nothing to alert their clients, even though there were some very clear red flags.  That Ponzi scheme – promoted by Ephren Taylor and Randy Poulson – resulted in the loss of a total of about $5 million dollars across about 100 accounts at Equity Trust.Why were so many Equity Trust clients involved in this particular scheme – which they all believed to be a legitimate investment?  Apparently, Equity Trust representatives participated at events hosted by Taylor and Poulson, where the custodian encouraged attendees to transfer their retirement savings from traditional IRAs to self-directed IRAs at Equity Trust so they could invest in the Taylor or Poulson offerings.But the real crux of the matter, according to the SEC’s allegation, is that there were some red flags that should have tipped off Equity Trust to the potentially fraudulent nature of the transaction.  And apparently, those red flags were ignored by Equity Trust.What were the red flags?  Well, possibly the biggest one was that even though Taylor and Poulsen were providing investments in the form of “notes” – basically just a loan – those guys apparently never provided investors with documentation about the collateral for those notes.  And this is a problem for Equity Trust, as the entity who seems to have both PROMOTED the investment and served as a custodian for accounts that purchased the investment.  What does the SEC think about that?  Well, Andrew J. Ceresney, Director of the SEC’s Division of Enforcement says it rather bluntly:“We allege that Equity Trust failed to protect the interests of its customers when it acted as more than a passive custodian.  When custodians like Equity Trust are aware of red flags suggesting an ongoing fraud, they must take action to try to prevent it.”So, the issue here is NOT that clients of Equity Trust were involved in an investment which turned out to be fraudulent.  After all, they sell self-directed accounts, which inherently includes the ability to self-direct into bad investments as well as good ones.  No, my friends, the problem is more fundamental:  The SEC thinks that Equity Trust, in effect, recommended the investment, and stepped out of the role they’re supposed to serve – which is as a passive custodian of assets – and into a role which is not compatible, and apparently legal problematic, for a custodian to be involved in… that role being investment advisory.  And since that investment showed some red flags of fraud, and later turned out to be genuine fraud… the SEC thinks Equity Trust’s role beyond passive custodianship obligated them to protect their clients, which clearly did not happen.  The next step will be a hearing an administrative law judge.Now my friends, let’s be clear:  I don’t know if any of this is true.  Equity Trust certainly denies it… but it doesn’t look good for them.  I don’t have an account at Equity Trust, so I have no first-hand experience with them.But I’ll tell you this much:  It’s NEVER good news when a custodian explicitly endorses an investment opportunity.  When you see that – and you certainly will, from time to time – ask yourself:  What’s the quid pro quo?Invariably, it’s one or both of two things:  The custodian is endorsing the investment because the investors must first set up a self-directed account with the custodian and/or the custodian is otherwise being compensated for promotion of the investment to its clients.Now, here’s the truth:  I’m not a huge fan of these types of regulations, so even though Equity Trust’s reputation is that they’re somewhat heavy-handed when it comes to pushing their services, still… I’m not a fan of government overreach.  But I’m not really sure that’s happening here.  It seems, on some level, quite reasonable for a custodianship to be a totally separate function from investment advisory.  But on the other hand… I prefer that laissez-faire be the rule.But that leaves a responsibility with you, my friends.  It’s the responsibility to do the one thing required of all self-directed investors:  To respect your own capital.  How do you do that?  Make sure that you stick only with investments that match the S3 Standard:  SIMPLE, SAFE and STRONG.This investment that’s gotten Equity Trust in trouble – and far more importantly – has resulted in the loss of MILLIONS of dollars for their clients… well, it CLEARLY didn’t meet the SAFE part of the standard.You’ve heard me talk about note investing many times here on this show.  I love a good note investment.  It makes sense in so many ways.  And the investment that Taylor and Poulsen were promoting through Equity Trust was a note investment… but it turned out to be fraudulent… and a complete rip-off.What’s the difference between what they were doing, and a GOOD note investment?  The answer is right there in the SEC press release:  There was no documentation about the collateral for the loan.  NO DOCUMENTATION!  I mean, COME ON, PEOPLE!  What do you think… do you think you should just trust people with your money?  Should you just turn over your money with nothing to show for it and hope for the best?  Jeez… how silly.Oh, wait a minute… that’s exactly what Wall Street requires you to do with stocks and mutual funds.Nevertheless, my point stands.  The ONE THING that can make a note investment really safe is to have really great collateral.  You’ve heard me talk about it on this show over and over.  Whenever my investors get involved in a new loan – in other words, a note – we tell them to DEMAND that the collateral that they receive is worth at least 50% MORE than the amount of the loan.  So if they make a $100,000 loan, they’ve got to get $150,000 of collateral.THAT is a great way to keep your money safe.  You’ve got to have ALL 3, my friends – simple, safe and strong – and you’ve got to have them all DOCUMENTED and in legally enforceable language!My friends… alternative assets can be GREAT!  In fact… I’d venture to say that it’s really quite simple to totally WHIP the long-term average of the S&P 500… and to do it in an incredibly safe way using alternative assets.  Particularly with well-collateralized notes.But… make sure you understand what you’re getting into.  If you don’t have a lot of personal experience with the investment opportunity you’re considering, be wise and hire an attorney or other advisor who does.  It just makes sense.Remember, my friends:  Respect your own capital.  That’s rule #1.That’s all for today, folks.  Please be sure you’re subscribed to the FREE self directed investor email discussion group.  Just text the word SDIRADIO (with no spaces or periods) to 33444 to join this private group.  Again, text SDIRADIO to 33444. My friends:  Invest wisely today… and live well forever! See acast.com/privacy for privacy and opt-out information.

For today's special Solomon Success lesson, our host Jason Hartman invites Jeff Desich on to the show to talk about investing your retirement money correctly and wisely. Jeff Desich is the CEO of Equity Trust, a company that has been in business for over 40 years and overseas the life savings of millions of clients. Jeff explains to the audience the difference between the various retirement options Americans can choose from, how Americas want more freedom and flexibility over their savings, and much more on today's episode.    Key Takeaways: 2:20 – Today's lesson is about investing wisely.  5:00 – Jason introduces Jeff Desich to the show.  7:00 – Anybody can do a self-directed IRA.  11:40 – Only 2% of the American market is self-directed, why is that?  15:10 – Wall Street has a great sales force, but they sell such awful products.  18:10 – The real estate industry is a fragmented business, Jason says to embrace this because that's what keeps the big guys out of it.  22:00 – Equity Trust is not a fan of Checkbook Control LLCs.  27:40 – If Equity Trust sees something that's not right with your account, they will give you a call and let you know. They're like your personal compliance department.  31:45 – There's a special offer just for Jason's listeners at https://www.trustetc.com/offer/053   Mentioned In This Episode: https://www.trustetc.com/ https://www.trustetc.com/offer/053

Famed liberal-turned-libertarian journalist, John Stossel, is Jason Hartman's guest on The Creating Wealth Show, Episode #356. The interview opens on the topic of Stossel's third book, "No, They Can't: Why Government Fails - But Individuals Succeed." From there, Jason and John embark upon a no holds barred barred back and forth about a variety of current political topicsJohn Stossel has been the Host of "Stossel," seen Thursdays at 9 p.m. ET on the Fox Business Network (FBN) since 2009. This weekly program covers current consumer issues with Stossel's trademark libertarian viewpoint. He can also be seen as a regular guest on the Fox News Network, which is FBN's flagship station and the current #1 Cable News network in the U.S.

Jason talks with Jeff Desich, who is the CEO of Equity Trust, about how to use your self-direct IRA. Jeff's company specializes in helping clients setup their self-direct IRA, as well as maintain it.

Join Jason Hartman for this three-part episode covering several topics, including: Self-Directed IRAs (SDIRA) and pension plans Home Owner Associations Jamie Dimon and JP Morgan's Toxic Financial Waste - The largest multi-billion dollar fine in history  Properties in Austin and Memphis Controversial future guests Noam Chomsky and Bill Ayres Direct investing Inflation