Podcasts about fannie mae freddie mac

Learn how California's SB 326 (Balcony Bill) impacts HOA lending, insurance underwriting, and Fannie Mae/Freddie Mac eligibility. Discover why a completed inspection isn't enough and how HOAs can avoid costly delays and blacklisting. The post SB326: Your HOA's Structural Wake-Up Call | Ep. 68 appeared first on Action Property Management.

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst, joins Episode 223 of the Julia La Roche Show for his first outlook of 2025. Whalen explains why he believes long-term interest rates could rise unless Trump makes "real progress" on the federal deficit, warns a "kamikaze release" of Fannie Mae and Freddie Mac from conservatorship without legislation would be highly disruptive, and shares why focusing on Treasury policy rather than the Federal Reserve is "all that matters." He also discusses why stocks could be "ready for a downward adjustment" after outperforming in 2023-2024, and offers a surprisingly optimistic longer-term view if Washington can demonstrate "real leadership." Links:     Twitter/X: https://twitter.com/rcwhalen     Website: https://www.rcwhalen.com/     The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/    Stanley Middleman book: https://www.amazon.com/Seeing-Around-Corners-Achieving-Business/dp/B0D5PTSJVC/   Timestamps: 00:00 Welcome back to Chris Whalen 01:12 2024 retrospective and consumer spending 02:42 Housing affordability and discretionary spending 04:49 Inflation outlook and Fed policy 06:31 Fed's focus on market stability over inflation 08:16 Fed rate cuts projection for 2025 10:52 Trump administration 2.0 outlook 11:42 Fannie Mae/Freddie Mac conservatorship discussion 13:21 Recession probability assessment 15:25 GSE release implications 19:45 Best approach to GSE reform 21:47 Federal deficit challenges 23:38 US debt situation and spending freeze 25:49 Treasury debt issuance strategy 27:42 Shifting narrative from Fed to Treasury 28:36 Market outlook for 2025 30:50 Closing thoughts on leadership and demographics

This Flashback Friday is from episode 1193 published last May 14, 2019. Jason Hartman and Adam start today's episode by answering a listener question from Amina, who wants to know what her options are after she maxes out her Fannie Mae and Freddie Mac loans. Surely there are options out there, but what are they? Then Jason has a client case study with David Nelson, who, along with his wife, has amassed a real estate portfolio that has allowed her to retire early to focus on their holdings. David discusses how his cockiness led him into a bad deal, why continual education is important and where his journey is heading. Key Takeaways: 5:39 Listener Question from Amina: what do you do after you max out your Fannie Mae/Freddie Mac loans? 11:11 If you're wanting to cruise to Grand Cayman, Jamaica and Cuba you need to sign up soon! David Nelson Client Case Study: 17:56 David started getting cocky investing in 2016 and didn't pay enough attention to his inspection 21:01 Jason's group doesn't do any one off deals 25:05 How self-management has gone for David so far 29:55 When you combine education with action you can accomplish nearly anything 33:38 Why being 80% in on one asset class isn't necessarily a mistake Website: www.JasonHartman.com/Cruise www.JasonHartman.com/Ask   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com    

Fannie and Freddie are changing some rules that could make home loans more expensive for people with high credit scores, and less expensive for those at the low-end of that spectrum. Critics say the rules amount to an unfair subsidy for high-risk borrowers, but the GSE's say it's a misconception about what they are changing.   Hi, I'm Kathy Fettke and this is Real Estate News for Investors. Please remember to subscribe to this podcast and leave us a review.   You may have seen the headlines already. One says: “A Bigger Subsidy for Risky Mortgages.” Another says: “Upside Down Mortgage Policy.” Another says this new policy will “screw Up the Homebuying Market.”   The headlines refer to a new rules from the Federal Housing Finance Agency regarding loan-level price adjustments or LLPAs for conventional loans. They officially kick in on May 1st, although some lenders have already been incorporating them into their fee structures.    What's an LLPA?   If you have a mortgage that's backed by Fannie or Freddie, you have paid or are paying this fee. LLPAS are fees that the government-sponsored enterprises charge when they buy loans from lenders. The fee is passed on to borrowers as a percentage of the loan and the amount is based on the borrower's risk factors such as credit score and down payment. People with higher risk factors pay higher LLPAs, and they can be paid up front or with higher monthly mortgage payments.    Business Insider offers a few examples of how the new pricing structure will impact borrowers.    1 - Someone who might see an increase could have a credit score of 700 with a 20% down payment for a $300,000 loan. They would have previously paid 1.25% of that loan amount or $3,750. With the new fee structure, they'd pay 1.375% or $4,125, which is an increase of $375. (1)   2 - Someone who might see a decrease could have a credit score of 780 but a down payment of just 3%. Previously, they would have paid .75% on a $300,000 loan or $2,250. With the new rules, they'd pay .135% or $375. That's a $1,875 reduction.   NAR, NAHB Opposed to the New Rule   The National Association of Realtors is among those criticizing the rule change. It is encouraging the FHFA to rescind the new rule especially given the affordability issues facing home buyers. It suggests instead that: “The GSEs could simply reduce the fees for (higher risk) borrowers and maintain the others at the same cost—especially given the sharp decline in affordability over the last year.” (2)   National Association of Home Builders CEO, Jerry Howard, told Newsweek: "In the short term, this may increase homeownership among the targeted group, but I'm afraid it could decrease homeownership among the middle class. I'm not sure that we're not robbing Peter to pay Paul here." (3)   FHFA Defends New Rules   FHFA Director Sandra Thompson issued a press release this week to “set the record straight.” She says: “Much of what has been reported advances a fundamental misunderstanding about the fees charged by the GSEs and why they were updated.” She says the pricing structure hadn't been updated for many years, and the new pricing structure is the result of a 2021 review. (4)   The goal: “To maintain support for purchase borrowers limited by income or wealth, ensure a level playing field for large and small lenders, foster capital accumulation at the Enterprises, and achieve commercially viable returns on capital over time.”   The overhaul has been done in steps over the last 18 months, beginning with fee increases for loans on second homes, high balance loans, and cash-out refi's. Then some fees were eliminated for first-time homebuyers with lower incomes but the means to meet their loan obligations. She says in her statement that this latest step is a recalibration of upfront tees that will make the housing finance system more resilient.   Among the misconceptions, she says:   1 - Stronger credit borrowers are not subsidizing weak credit borrowers. She claims that fees generally increase for lower credit scores, despite the down payment.   2 - She says the new fee structure does not raise the fees for all low-risk borrowers. She says many borrowers with high credit scores or high down payments will see no change in their fees or even a decrease.   3 - She says the old framework was not perfectly calibrated to risk. She says it was essentially outdated, and is now better aligned for the performance of a mortgage relative to its risk.   4 - The new rules do not encourage low-income borrowers to pay a lower down payment to benefit from lower fees because they will also have to pay mortgage insurance premiums.   5 - The elimination of upfront fees is not for people with lower credit scores but for borrowers with lower incomes, and she says they are essentially supported by the loan fees for second homes and cash-out refi's (and not by good credit, high down payment borrowers).   6 - The changes are not intended to stimulate mortgage demand, but rather to advance the soundness and safety of the GSE's.   The old and new fee structures are listed on the Fannie Mae website. You'll find links to those tables in the show notes if you'd like to compare. (5) (6)   Impact on Real Estate Investors   So how does this impact real estate investors?   Shawn Huss of Warsaw Federal told RealWealth: “For investment lending, it has helped out in some situations with better pricing when you have a greater down payment or a two to four unit. For a multi-unit, Fannie used to charge 1.0 points in additional pricing. Now if an investor's credit score is 780 or higher, it is only .375%. Another example is pricing used to be 2.125 points in pricing for 70% loan-to-value.  With the new pricing, at 70%, the pricing is better by .50 points which helps with lower rates.”   The new pricing structure only impacts conventional loans – not jumbo loans, FHA mortgages, or other non-conforming loans.   You'll find links to the stories I mentioned at newsforinvestors.com including the charts from Fannie Mae where you can compare the two pricing structures.   And please, remember to hit the Join for Free button at RealWealth and subscribe to our podcast.   Thanks for listening, Kathy   Links:   1 - https://www.businessinsider.com/personal-finance/biden-fhfa-new-mortgage-fee-structure-2023-4   2 - https://www.nar.realtor/washington-report/nar-advocates-for-fhfa-to-maintain-affordability-for-all-homebuyers   3 - https://www.newsweek.com/biden-raises-costs-homebuyers-good-credit-help-risky-borrowers-1795700   4 - https://www.fhfa.gov/Media/PublicAffairs/Pages/Statement-from-FHFA-Director-Sandra-Thompson-on-Mortgage-Pricing.aspx   5 - https://singlefamily.fanniemae.com/media/33201/display   6 - https://singlefamily.fanniemae.com/media/9391/display

Today's Flashback Friday is from episode 1334 published last November 27, 2019. Jason Hartman and Adam join forces today to discuss a big development in the mortgage market. Fannie Mae/Freddie Mac conforming loan limits are being increased again, this time to over $510,000, which will have substantial impacts on the housing market overall. Later, Adam talks with one of the network lenders about where interest rates are today and what a weakening economy in 2020 might put them in a few months. Key Takeaways: Jason's editorial 2:35 Fannie Mae and Freddie Mac are increasing the conforming loan size to over $510,000 7:27 Conforming loan limit increases generally lead to home price inflation 11:31 The higher loan limit might impact hybrid markets more than cyclical 15:34 Insights from Voxer messages left by listeners 19:10 Technology is increasing the value of our properties Adam: Mortgage Minutes 25:34 Current rates for a $100,000 property with 20 or 25% down 29:59 How might rates react if we see weakening in the economy that some are predicting in 2020? 30:45 Mortgage starts don't seem to be slowing down for investors Mentioned: www.JasonHartman.com/Properties   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Today's Flashback Friday is from episode 559 published last August 24, 2015. Many of you have trusted us with your past and ongoing real estate investment transactions and we appreciate it. We take time in today's episode to share your successes with others, discuss the joy of seeing you at live events and invite you to contact us if you would like to be on the show. We enjoy having you as clients and we are happy to offer you the type of service that a group of our size can acquire. Your investment portfolio's are leading you towards financial freedom and your stories are inspirational. Thanks and congratulations from our entire team. Key Takeaways: 1:55 Talking directly to you the clients and the listeners 3:30 Freedom is the benefit of investments 4:08 Fannie Mae/Freddie Mac guidelines - 10 loan per person limit 5:03 Congratulations to those building great portfolios! Add applause here 6:42 Russ - a real client story about firing his boss 9:32 Kathy from California signed up for JHU Live 9:56 Congrats to Jessie for a recent close of properties in Memphis 10:25 Over Diversification is more than 3-5 markets 11:16 Getting clients to open up about their goals from the beginning 13:26 Feedback helps you to consolidate and double down in a few good markets 16:32 A B market with an A team is better than an A market with a B team 18:26 Our organization gives you leverage through quantity 19:23 The soft factors are personalities 20:20 Free shirts for investment therapists and matchmaking 21:31 It truly is still a Mom and Pop business structure which preserves our opportunities 23:52 Toby's personal experience of a 19 property portfolio 25:43 A shout out to Andy & Stacy for continued success 26:35 The shoulda coulda woulda mentality 27:30 Damon & Bill working land contracts 29:29 We'd love to have you on the show 30:44 JHU Live & Venture Alliance events are coming up soon 32:00 Lifetime rental coordination through our organization 32:29 Come out and meet us at our live events at least once a year   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Learn More: JasonHartman.com Get wholesale real estate deals for investment or build a great business – Free course: JasonHartman.com/Deals Free White Paper on The Hartman Comparison Index™: HartmanIndex.com/white-paper Free Report on Pandemic Investing: PandemicInvesting.com Jason's TV Clips in Vimeo Free Class: CYA Protect Your Assets, Save Taxes & Estate Planning: JasonHartman.com/Protect Special Offer from Ron LeGrand: JasonHartman.com/Ron What do Jason's clients say? JasonHartmanTestimonials.com Contact our Investment Counselors at: www.JasonHartman.com Watch, subscribe and comment on Jason's videos on his official YouTube channel: YouTube.com/c/JasonHartmanRealEstate/videos Guided Visualization for Investors: JasonHartman.com/visualization Jason's videos in his other sites: JasonHartman.com/Rumble JasonHartman.com/Bitchute JasonHartman.com/Odysee Jason Hartman's Extra YouTube Channel Jason Hartman's Real Estate News and Technology (RENT) YouTube Channel

With various sources available to finance real estate: traditional lending, alternative lending and a membership-based brokerage service, guests discuss the differences and similarities of their industry and the importance of Fannie Mae/Freddie Mac loans.

This is the replay for the Live with Caeli 2-22-2022 event hosted on the Ridge Lending Community. We covered all about using a non-income spouse or partner to qualify for their own financing. This includes Fannie Mae / Freddie Mac loans, Debt Service Coverage Ratio loans and more.Join the Ridge Lending Group Community using this link - https://community.ridgelendinggroup.com/share/DtT7DysUVUdTn8pi?utm_source=manual

The mortgage industry has been making progress in utilizing Bitcoin for down payment and closing costs. Many loans require reserves and we are looking forward to utilizing Bitcoin for those requirements as well. Today's show will be with CryptoWendyO and Tony Cuda, VP of Financing at JMJ Financial. He will be answering all of Wendy's tough questions and explaining the programs that we have available from Fannie Mae/Freddie Mac products to Portfolio lenders and how we can utilize your Bitcoin! Are there lenders that will not require liquidation? Why yes there are! We will then jump into education by CryptoWendyO to explain the Metaverse and purchasing Real Estate in the new world! I am looking forward to an exciting episode of Mortgage Mom Radio! Check out the Mortgage Mom Radio online merch store! The beer mugs are insane! SHOP NOW Book your free phone consultation today, BOOK NOW We are LIVE on YOUTUBE every Monday and Wednesday @ 1PM PST. Interact with us LIVE while we record! Ask us your questions right in the comments. Mortgage Mom Radio equips you with all the mortgage education that you could ask for right at your fingertips! Listen to our Podcast with hours of shows and topics, download our PHONE APP loaded with every mortgage tool that you could need, and finally, watch our HOMEBUYER WORKSHOP SERIES on YouTube! Debbie Marcoux is licensed by the Department of Financial Protection and Innovations under the California Residential Mortgage Lending Act, NMLS ID 237926, also licensed in AZ-0941504, FL-LO76508, GA-69178, ID-167867, IL-031.0058339, NV-57237, OR, TN-184373, TX, WA-MLO-237926

Considering the future - a new year, new administration - guests foresee an aggressive continuation of bank mergers as opportunities to extend their footprint in the market. Bankers discuss the effects of LIBOR, Fannie Mae & Freddie Mac and interest rates, rent stabilized, multi-family buildings, cannabis shops, and vacancies and downward rents in New York's high rent areas.

Matt Picheny is a real estate investment expert.  Matt has more than 15 years of experience in property analysis, financing, acquisition, construction, operations, and has invested in over 8,000 apartments nationwide. He is a licensed real estate agent, a Fannie Mae & Freddie Mac approved buyer and has earned both Commercial Real Estate & Real Estate Finance certificates from Boston University. Matt is also a member of the Forbes Real Estate Council, the Fast Company Executive Board, and is an advisor to a PropTech company.  Quote: “ I look at all deals as there are three components to them…it's the deal, it's the market, and it's the sponsor.” “My ethos in all of this is trying to make win-wins…that's something that's really important to me is making sure that our property ownership actually improves the community and not degrades it.” Highlights: 1:34 - Matt tells listeners more about his background in real estate. 05:24 - Matt speaks about his production career on Broadway, winning two Tony Awards, and his acting career growing up. 9:56 - Matt discusses building his own real estate company and the model he uses. 15:23 - Matt talks about what he saw on the LP side that he didn't take over to the GP side. 22:13 - Matt touches on the markets his company is investing in. 23:27 - Matt provides insight into his company's success in winning deals. 32:44 - Matt describes exit strategies and loan structures. 34:04 - Matt explains his company's underwriting process to mitigate risk. 38:09 - Matt answers Kevin's golden nugget question. Guest Website: https://picheny.com/ Recommended Resources:  Check out our company and our investment opportunity by visiting www.SunriseCapitalInvestors.com  Self Directed IRA Investment Opportunity –  Click Here To Learn More About How You Can Invest With Us Through Your SDIRA  Accredited Investors  Click Here  to learn more about partnering with me and my team on Mobile Home Park deals!  Grab a free copy of my latest book “The 21 Biggest Mistakes Investors Make When Purchasing their First Mobile Home Park…and how to avoid them MobileHomeParkAcademy.com  Schedule your free 30 minute "no obligation" call directly with Kevin by clicking this link https://www.timetrade.com/book/KV2D2  

We know that real estate investing can be daunting and overwhelming and with a lot of misnomers going around, we need a reliable person who will give us authentic and actual information about what is really happening in the real estate market. In this episode, Corwyn talks with the money expert which he calls, “the exponential money”, LaShan Abraham, a mortgage loan officer in Guild mortgage located in downtown Somerville. She helps homebuyers find the best home that fits their budget and helps them qualify for downpayment assistance. As the market rapidly changes and home values continue to appreciate and skyrocket, loan limits also change. With these new conforming loan limits, LaShan explained how this new financing works that will surely become beneficial to you. What is the average credit score a person has to qualify for conventional financing? She further discussed the importance of debt income ratio and reserves to avoid significant indebtedness. Becoming a homeowner as part of your new year's resolution is a great way to start the year but you need to have a plan of action. Think of reality vs. the dream. You have to determine how much home you can afford, pull together funds for a downpayment, and don't buy a new car if you think you can't simultaneously pay a monthly mortgage. Let's Get started! What You'll Learn from this Episode: What is the new loan limits Understanding conforming loan limits and their threshold Requirements for down payment assistance FHA loan limits vs Fannie Mae Freddie Mac loan limits Reasons why some people don't qualify for the financing program What is the average credit score to qualify for all financing Things to consider when planning to buy a home Taking a plan of action vs the dream How to prioritize your needs vs your wants without having trouble with financial issues How to handle your payments What you need to know about co-signing Connect with Corwyn @: Contact Number: 843-619-3005 Instagram: https://www.instagram.com/exitstrategiesradioshow/ FB Page: https://www.facebook.com/exitstrategiessc/ Youtube: https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA New Website: https://www.exitstrategiesradioshow.com AnchorFm: corwyn-j-melette Soundcloud: https://soundcloud.com/corwyn-j-melette/exit-strategies Website: https://corwynmelette.com/ Connect with LaShan @: Call: 843-303-8652 Website: http://www.guildmortgage.com/lashanabraham Facebook Page: https://www.facebook.com/LaShanLoanOfficer LinkedIn: https://www.linkedin.com/in/lashan-abraham-a5436066/

Lots of changes in the mortgage business this week for the upcoming year of 2022. Last week we sent out the video about Fannie Mae/Freddie Mac increasing their loan amounts. Now we have FHA increasing their loan limits for 2022. They are increasing the current limits from $356,362 to $420,680. FHA buyers will also be happy with increased duplex loan amounts to $538,650 I'm explaining that today in this video. Please reach out to myself or my team about these changes or any other questions you may have. We are always here to serve. #FHAloans #FHALoanLimits #FHABuyers #Realtors I do Mortgages for a living, if I can ever help you buy or refinance a home let me know! · Apply for a mortgage now at https://timhart.floify.com/apply-now · TEXT “APPLY” to 239-437-4278 · Call me or text me 239-910-5668 · Talk to my team were here to help! 239-437-4278 · Check out my website www.TimHartJr.com Connect with me on Social Media YouTube - http://bit.ly/2Ourk8c Instagram - https://www.instagram.com/timhart453/?hl=en Facebook - https://www.facebook.com/TimHartJr LinkedIn - https://www.linkedin.com/in/timhartjr/

Welcome to Real Estate (Un)Success Stories. Join your host Cody Lewis as he talks with Matt Picheny about the virtue of bouncing back after failures and coming out more learned each time. The voice of doubt and the omnipresence of risk inside our heads may limit us, but realizing how much we can execute by valuing our experiences can drive us to success.   Matt Picheny is focused on developing passive income streams that enable investors to write their own story and choose how they want to spend their time. He specializes in revitalizing and elevating communities through real estate investment, community enrichment, and the arts. Matt has over 15 years of experience in property analysis, financing, acquisition, construction, operations, and has invested in over 8,000 apartments nationwide. He is a licensed real estate agent, a Fannie Mae & Freddie Mac approved buyer, and has earned both Commercial Real Estate & Real Estate Finance certificates from Boston University. Matt is a member of the Fast Company Executive Board and the Forbes Real Estate Council. A PMI certified Project Management Professional, Matt is a digital marketing veteran whose 18-year career in the NYC advertising world included working for some of the world's largest advertising agencies, producing award-winning projects for Fortune 500 clients including Verizon, IBM, and Coca-Cola. Matt and his wife are Tony Awards® recipients whose theatrical investments have included iconic shows like Hamilton and Wicked. They are co-Producers the Broadway, International and Touring productions of Moulin Rouge! and American Utopia. A native of Orlando Florida, and a former actor, Matt still believes in happily ever after. He lives with his wife and their two daughters in Brooklyn, New York and in his downtime enjoys long walks on the beach, Broadway, Rock and Roll, and amazing barbecue.   Main Takeaways   Quiet the Voice of Doubt and Value Learning by Failing Due Diligence in Mitigation to Combat Risk     Connect with Matt https://picheny.com   LEAVE A REVIEW + help someone hear the challenges we went through so they can avoid the same mistake by sharing this episode or listen to our previous episodes. Check out our website https://www.venduecapital.com/ Connect with Cody on LinkedIn: https://www.linkedin.com/in/jcodylewis/ Don't forget to subscribe and leave a 5-star review!

The Gov is using Fannie Mae & Freddie Mac to extend conforming mortgages to 1 Million dollars. This will end in higher prices in real estate due to investor speculation in homes. The government's response to making homeownership more attainable is buying $1 million mortgages https://www.businessinsider.com.au/housing-market-mortgage-limits-home-prices-fannie-mae-freddie-mac-2021-11?r=US&IR=T Subscribe to #NinjaNation https://economicninja.org

Welcome show Jason Bible Texas real estate radio network I'm here with Jennifer Hernandez of legacy mutual mortgage Hey I like have you on the show because it's a reality check for everybody yeah and what's really going on yeah what's really going on because you do like a gazillion loans a month so it's like we do a lot it's like Hey guys this is we were kind of talking well we talk last month and then we talked on and before the show today you know he you can hear it I hear to yeah this market's gonna slow down everything's gonna be. Back to normal and I'm like I don't see it man. I mean we've seen you know we've seen referral volume slowed down a little bit that's usually a function of summer vacations and graduations and stuff but the buyers are very much still out there. And the sellers are I mean I mean in the not the it's all in the numbers right yeah that that podcaster the the weapon are that you sent me from that Adam data cutting out I keep sending the people about forecasting that. Values it's going to be several years before values really. So you think it's going to be a seller's market for 20 years this isn't a stop anytime soon you know the the number I keep looking at is builders are 10 year 10 years behind demand. I mean that's. Which is tiny houses sell like we're. 50 percent below supply means like what do you historically like what we got like 10 minutes inventory on the market you'll have a look at last let me pull up last H. A. R. E. it's it's absolutely insane and. I this whole idea that things are gonna get better and it's going to go back to how it was were was just super easy it's like it's it's not. We are seeing a lot of. Clients calling us about refinancing where they wanted to you know didn't state stay put stay in place remodel but then trying to get your house remodeled that's a whole other thank you know can we while you're looking that up yes you want to talk about that because some people might want to roll up salute yeah they start looking the price of housing to go why don't I just redo the kitchen or something yeah let's talk about how that product work let's talk about that so first at if it's an investment property you need to go through like a hard money lender like there's no reason there's no rehab loans through the conventional stuff that I do which is Fannie Mae Freddie Mac on yeah that's what's called jet landing and they've got they've got some for that yeah yeah but on your primary residence you can add in taxes you can cash out of your property up to 80 percent of the value so whatever the market value is now if you've just acquired the property you have to wait 6 months you cannot pull cash out like let's say you buy it and you do put some work into it. Or for whatever reason you want to refinance it right away I you can't do that until 6 months pass it's like a cooling off period that lenders require took let values settle down or that's kind of the thought process behind going off period that's what it's called it's called a cooling off period I don't know it's that is the editor now use its it okay in the guidelines it's a cooling off period just in case because houses appreciating so much to pull cash out listed so that yeah they wanna make sure that things settle and just let things settle to make sure that. Copyright Mr. Texas Real Estate @ 2021

Episode Intro   Matt is the Managing Partner at MJP Property Group, a real estate investment company. He has invested in over 6,000 apartment units and is primarily focused on acquiring and repositioning multifamily communities. Matt has over 15 years of experience in property analysis, financing, acquisition, construction, and operations. He is a licensed real estate agent, a Fannie Mae & Freddie Mac approved buyer, and a member of the Forbes Real Estate Council. Matt has earned both Commercial Real Estate & Real Estate Finance certificates from Boston University. As a PMI certified Project Management Professional, Matt has a proven track record of delivering projects on budget, on schedule and at the highest quality standards. He is a marketing veteran whose 20-year New York City career spanned several of the world’s largest advertising agencies, producing award-winning projects for Fortune 500 clients including Verizon, IBM, and Coca-Cola.  https://mjppg.com/     Want to learn more about passive investing? Grab our FREE Course: https://www.passiveinvestorsclub.com/course Thank you and I appreciate you watching this video. Please like, subscribe, and share with others that you may find this valuable. Your comments are useful and help us generate better quality content based on your feedback. The Passive Investors Club is a community of like-minded individuals seeking financial freedom through passive investing in commercial real estate. More information about our club: https://www.passiveinvestorsclub.com Follow Me Online Here: Instagram: https://www.instagram.com/dwainelclarke/ Facebook: https://www.facebook.com/DwaineClarkeOfficial LinkedIn: https://www.linkedin.com/in/dwaineclarke/ Website: http://passiveinvestorsclub.com Twitter: http://twitter.com/dwaineclarke Medium: http://medium.com/@dwaineclarke SoundCloud: https://soundcloud.com/dwaineclarke Podcast: https://podcasts.apple.com/us/podcast/wealth-through-real-estate-investing/id1457606006 Spotify: https://open.spotify.com/show/7B2wIQyiMgrcEJoqBUJzRR

Real estate investor Matt Picheny joins the podcast to discuss his career as an actor, real estate investor, and Broadway producer. Matt is the managing partner at MJP Property Group, a real estate investment company. He has invested in over 6,000 apartment units with a focus on acquiring and repositioning multifamily communities. He is a real estate agent, a Fannie Mae & Freddie Mac approved buyer, and spent over a decade in the marketing departments of Fortune 500 clients. Matt and his wife are Tony-nominated producers having produced David Byrne’s American Utopia and Moulin Rouge. They have also invested in an international tour of Wicked and in Hamilton. Matt's Real Estate Site:https://mjppg.com/ Matt's LinkedIn:https://www.linkedin.com/public-profile/in/picheny?challengeId=AQG9O8jzgw24bQAAAXduyAlC8FcfpdpiDa1QouzZDGJ4IjJlUwQNMPXkIsnauj9K0ZCpnNDp4MBYcNwwJbE4P1lLh6fdn-7b1Q&submissionId=133c99bc-23a6-6016-7edf-895f6a2ff87c Matt's IBDB.com profile:https://www.ibdb.com/broadway-cast-staff/matt-picheny-522684 GameStop Short Squeeze:https://en.wikipedia.org/wiki/GameStop_short_squeeze Fiat Currency:https://www.investopedia.com/terms/f/fiatmoney.asp#:~:text=Fiat%20money%20is%20a%20government,U.S.%20dollar%2C%20are%20fiat%20currencies. Arsht Center - Florida Theatre Complex:https://en.wikipedia.org/wiki/Adrienne_Arsht_Center_for_the_Performing_Arts Rent - Broadway Musical:https://en.wikipedia.org/wiki/Rent_(musical) AMDA - American Musical and Dramatic Academy:https://www.amda.edu/ Salvador Dali:https://en.wikipedia.org/wiki/Salvador_Dal%C3%AD Peter Lik - Photographer:https://en.wikipedia.org/wiki/Peter_Lik David Byrne's American Utopia - Broadway Musical:https://en.wikipedia.org/wiki/American_Utopia QRP - Qualified Retirement Plan:https://www.investopedia.com/terms/q/qrp.asp Sophisticated Investor:https://www.investopedia.com/terms/s/sophisticatedinvestor.asp Accredited Investor:https://www.investopedia.com/terms/a/accreditedinvestor.asp Links From The Patreon Only Episode: Curtains - the last Kander and Ebb musical:https://en.wikipedia.org/wiki/Curtains_(musical) Salvador Dali Museum - Spain:https://en.wikipedia.org/wiki/Dal%C3%AD_Theatre_and_Museum Salvador Dali Museum - Florida:https://en.wikipedia.org/wiki/Salvador_Dal%C3%AD_Museum The Investors Podcast:https://www.theinvestorspodcast.com/we-study-billionaires/ Interview by Ethan Steimel Become a patron at:www.patreon.com/artisticfinance www.artisticfinance.comwww.patreon.com/artisticfinanceinstagram.com/artisticfinancetwitter.com/ethansteimelfacebook.com/artisticfinanceyoutube.com/artisticfinance

Episode 054 - Valuation Regulations I know, I know! No one likes to talk about the law, requirements, and regulations...unless that is if you are an appraiser and have a podcast. Agents have it easy with almost no regulations. Meanwhile, appraisers have plenty. The rules can be frustrating for appraisers and agents. Instead of being mad about them, learn what they are to get better results. In this episode, I talk about some of those regulatory bodies and what appraisers and agents are up against.   SHOW NOTES 00:39 – Last episode, this episode, and the next episode are “tied” together to set up the bigger picture issues. 01:28 – Agents have it “easy” from the valuation process with almost no regulations in that realm. 02:20 – Appraisers have many regulations that go into how they come up with their value estimate. Agents typically only look at the number and any required repairs, but there is so much more in the report. 03:05 – We don’t need to get into the “weeds” on the rules, because they are not applicable to agents. It is worthy to be aware of the general principles and who the regulators are. 03:28 – USPAP: Uniform Standards of Professional Appraisal Practice; the appraiser’s “bible”. Does not talk about adjustments or comparable selections. 04:25 - URAR and other reports made by Fannie Mae and Freddie Mac. They have expectations of what they want to see in a report. 05:20 – FHA and VA have their own rules that get into what to inspect and note. 05:48 – Underwriting overlays: every loan has appraisal criteria that they expect to see in the appraisal report. 06:25 – Important to know because lender is taking on risk, and the appraiser must “sell” the appraisal report to the lender. 07:00 – If my report does not match up to the regulations and requirements, the report will get through underwriting and your client will not get the loan. 07:30 – Appraisal practice is complicated. Your CMA may show a number but it will not make it through the lender’s muster. 07:50 – Give appraisers a little bit of a break. We are not your enemy. We have to write a credible report that the lender will accept.   SHOW LINKS USPAP – https://www.appraisalfoundation.org/imis/TAF/Standards/Appraisal_Standards/Uniform_Standards_of_Professional_Appraisal_Practice/TAF/USPAP.aspx URAR Report – https://singlefamily.fanniemae.com/media/12371/display Fannie Mae – https://en.wikipedia.org/wiki/Fannie_Mae Freddie Mac – https://en.wikipedia.org/wiki/Freddie_Mac Underwriting Overlays – https://gofirstnations.com/what-is-an-underwriting-overlay/ Pass muster – https://idioms.thefreedictionary.com/pass+muster   BETWEEN THE LINES LINKS Email brian@brianclee.com   Web brianclee.com   Facebook https://www.facebook.com/groups/realestatebetweenthelines/ https://www.facebook.com/Brian-C-Lee-111822417027919/?   YouTube https://www.youtube.com/channel/UCcv4dHU39-b5_QVVCIhbcBA?

Mobile home parks are one of the big beneficiaries of Fannie Mae/Freddie Mac lending. Coming out of nowhere not too long ago, “agency” debt now represents more than 50% of all new mobile home park loans in terms of total dollars. How will this lending powerhouse help reshape the industry in the years ahead, and how can you take advantage of this opportunity?

Jason Hartman talks with Barry Zigas, Senior Fellow at Consumer Federation of America. Barry shares a brief, descriptive history lesson on how Fannie Mae and Freddie Mac came to be. Barry and Jason discuss the low and middle-income housing crisis and what factors contribute to homeownership rates.  Barry Zigas joins Jason Hartman to discuss student loans compared to home loans. Is this similar to a problem we’ve seen in the recent past? How does the shortage of affordable new homes drive inflation? Key Takeaways: [1:00] Fannie Mae and Freddie Mac were both created by acts of congress.  [4:30] Is the Fannie Mae/Freddie Mac mission to increase homeownership? [6:20] Let’s talk about global home ownership comparisons. [11:00] What factors contribute to homeownership rates? [12:15] There’s still discrimination in the mortgage markets. [14:30] Redlining is a term defined as a percentage of non-white people living in a community. [16:45] How much of the community reinvestment act is to blame for the great recession? [21:00] Student loans compared to home loans, is this a perpetual problem? [24:00] There’s a tremendous shortage of affordable new homes to buy, which is part of what’s driving inflation. [27:20] San Francisco, what caused its high prices throughout history, and will that change from COVID-19? [34:00] COVID-19 has employment implications, which will translate to housing implications. Websites: zigasassociates.com consumerfed.org JasonHartman.com 1-800-HARTMAN

Jason Hartman talks with Barry Zigas, Senior Fellow at Consumer Federation of America. Barry shares a brief, descriptive history lesson on how Fannie Mae and Freddie Mac came to be. Barry and Jason discuss the low and middle-income housing crisis and what factors contribute to homeownership rates.  Barry Zigas joins Jason Hartman to discuss student loans compared to home loans. Is this similar to a problem we've seen in the recent past? How does the shortage of affordable new homes drive inflation? Key Takeaways: [1:00] Fannie Mae and Freddie Mac were both created by acts of congress.  [4:30] Is the Fannie Mae/Freddie Mac mission to increase homeownership? [6:20] Let's talk about global home ownership comparisons. [11:00] What factors contribute to homeownership rates? [12:15] There's still discrimination in the mortgage markets. [14:30] Redlining is a term defined as a percentage of non-white people living in a community. [16:45] How much of the community reinvestment act is to blame for the great recession? [21:00] Student loans compared to home loans, is this a perpetual problem? [24:00] There's a tremendous shortage of affordable new homes to buy, which is part of what's driving inflation. [27:20] San Francisco, what caused its high prices throughout history, and will that change from COVID-19? [34:00] COVID-19 has employment implications, which will translate to housing implications. Websites: zigasassociates.com consumerfed.org JasonHartman.com 1-800-HARTMAN

Matt Picheny is the Managing Partner at MJP Property Group. He has invested in over 5,000 apartment units and is primarily focused on acquiring and repositioning multifamily communities. Matt has over 15 years of property analysis, financing, acquisition, construction, and operations experience. He is a licensed real estate agent, a Fannie Mae & Freddie Mac approved buyer and a member of the Forbes Real Estate Council.Today, we're talking about Matt's investments in Broadway shows. He syndicates Broadway shows and brings in passive investors to invest in such shows. He will be giving us a behind the curtains look at how it's done.[00:01 – 04:52] Opening SegmentI talk briefly about great values that await you in this episodeI introduce and welcome our guest, Matt PichenyMatt tells us his background and his journey to reach where he is now today.[04:53 – 14:24] Broadway Show Investing Done RightMatt gives us a peek at how Broadway show investing worksThe investor's role is to fund the preparation for opening nightHigh-risk, high return[14:25 – 22:28] Time Frame and Exit StrategyThe Timeframe for investing in Broadway showsForming your exit strategyLeverage and Debt[22:29 – 28:38] Learning to Invest in BroadwayMatt walks us through what you'll need when investing in BroadwayHow to evaluate these investments from a passive investor's standpointThe 3-Prong Approach to Evaluating DealsEvaluating the creative teamEvaluating the management teamEvaluating the production itself[28:38 – 34:18] Closing SegmentQuick break for our sponsorsWhat is the best investment you've ever made other than your education?We were lucky we invested in Hamilton.What is the worst investment you ever made?If/Then, it didn't do exceptionally well.What is the most important lesson that you've learned in business and investing?It's all about relationships. Building relationships is the most important.Connect with Matt online. See the links below. Tweetable Quotes:"If a show does really well, it can remain in theatre forever." – Matt Picheny"It's not like real estate where at real estate you actually have this tangible asset that you sell at the end. With these shows, it's like they close and then it's over, but hopefully, you've gotten a lot more money during the whole period." – Matt Picheny Connect with Matt on their website https://mjppg.com/ or email him at matt@mjppg.com. LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes.

Jason Hartman talks with Barry Zigas, Senior Fellow at Consumer Federation of America. Barry shares a brief, descriptive history lesson on how Fannie Mae and Freddie Mac came to be. Barry and Jason discuss the low and middle-income housing crisis and what factors contribute to homeownership rates.  Barry Zigas joins Jason Hartman to discuss student loans compared to home loans. Is this similar to a problem we’ve seen in the recent past? How does the shortage of affordable new homes drive inflation? Key Takeaways: [1:00] Fannie Mae and Freddie Mac were both created by acts of congress.  [4:30] Is the Fannie Mae/Freddie Mac mission to increase homeownership? [6:20] Let’s talk about global home ownership comparisons. [11:00] What factors contribute to homeownership rates? [12:15] There’s still discrimination in the mortgage markets. [14:30] Redlining is a term defined as a percentage of non-white people living in a community. [16:45] How much of the community reinvestment act is to blame for the great recession? [21:00] Student loans compared to home loans, is this a perpetual problem? [24:00] There’s a tremendous shortage of affordable new homes to buy, which is part of what’s driving inflation. [27:20] San Francisco, what caused its high prices throughout history, and will that change from COVID-19? [34:00] COVID-19 has employment implications, which will translate to housing implications. Websites: zigasassociates.com consumerfed.org JasonHartman.com 1-800-HARTMAN

Asset Craft Podcast Ep.11: "MBS" MBS คืออะไร? ตายไปแล้วจริง ๆ หรือ? หาคำตอบผ่าน Asset Craft Podcast EP นี้ได้เลยครับ! หัวข้อ 0:58 MBS คืออะไร 2:24 เกิดอะไรขึ้นกับ MBS ในปี 2008 4:33 Fannie Mae กับ Freddie Mac คือใคร? ทำให้ระบบล่มจริงหรือ? 6:50 ตอนนี้ Fannie Mae กับ Freddie Mac เป็นอย่างไรบ้าง? MBS น่าลงทุนหรือเปล่า? 7:37 การถือ MBS ต่างกับการถือตราสารหนี้แบบปกติอย่างไร? 8:20 หากผ่านกลยุทธ์ทดสอบย้อนหลัง MBS ดีจริงหรือ? 10:27 MBS กับหุ้น ตัวกระจายความเสี่ยง? 11:24 กองทุนแนะนำคาดไม่ถึงลงทุนใน MBS ----------------- รับฟัง FINNOMENA Podcast ได้ทุกช่องทางที่คุณมี Spotify https://finno.me/spotify Google podcasts https://finno.me/googlepodcast Apple podcast https://finno.me/applepodcast Soundcloud https://finno.me/soundcloud Podbean https://finno.me/podbean ----------------------------------------------------------------------------------------------------------- อยากได้คำปรึกษาด้านการลงทุนในกองทุนรวม "อย่างเป็นกลาง" เพื่อมอบสิ่งที่ดีที่สุดแก่คุณ...กรอกข้อมูลที่นี่เลย https://finno.me/exclusive-form

Jason Hartman speaks to fans of futurists, are predictions from The Fourth Coming coming to fruition? As a prelude to October 17th, the PandemicInvesting.com event, Jason shares the quick list of six tsunamis that are changing the housing market.  Jason Hartman talks with Barry Zigas, Senior Fellow at Consumer Federation of America. Barry shares a brief, descriptive history lesson on how Fannie Mae and Freddie Mac came to be. Barry and Jason discuss the low and middle-income housing crisis and what factors contribute to homeownership rates.  Key Takeaways: [3:45] The predictions from The Fourth Coming are coming true right now.  [5:00] Jason shares the six tsunamis that are changing the housing market. [6:45] Rent is plunging in high-priced US cities and tech-hubs. [9:30] What’s a mega-wealth transfer? Barry Zigas [17:00] Fannie Mae and Freddie Mac were both created by acts of congress.  [20:30] Is the Fannie Mae/Freddie Mac mission to increase homeownership? [22:20] Let’s talk about global home ownership comparisons. [27:00] What factors contribute to homeownership rates? [28:15] There’s still discrimination in the mortgage markets. [30:30] Redlining is a term defined as a percentage of non-white people living in a community. [32:45] How much of the community reinvestment act is to blame for the great recession? Websites: zigasassociates.com consumerfed.org PandemicInvesting.com JasonHartman.com/Ask JasonHartman.com/Start JasonHartman.com/Recordings JasonHartman.com/Asset JasonHartman.com/Webinar JasonHartman.com JasonHartman.com/properties Jason Hartman Quick Start Jason Hartman PropertyCast (Libsyn) Jason Hartman PropertyCast (iTunes) 1-800-HARTMAN

The wealthy are enjoying federal monetary stimulus. Meanwhile, unemployed tenants can now be evicted nationally (check your local law). Own assets? Great. Mortgage interest rates are at historic lows; the S&P 500 is at an all-time high. (Entire episode transcript is below. Read as you listen.) In the pandemic, tenants want single-family homes more than communal apartments. Fannie Mae & Freddie Mac want to add a 0.5% refinancing fee.  Homebuilder sentiment is high? Why? High demand, low inventory, low rates. Stagflation is explained. It is a stagnant economy with high inflation. There are signs that inflation is poised to increase. Resources mentioned: Inflation Triple Crown video: https://youtu.be/dZojl686fU0 Section 8 turnkey property: www.GetRichEducation.com/Section8 Stagflation video: https://www.youtube.com/watch?v=YaC_PNKu_Cg&feature=youtu.be Elevator Anxiety: https://www.axios.com/elevator-anxiety-reopenings-9a474985-4786-43a3-8b64-5119ff7f2267.html Mortgage Loans: RidgeLendingGroup.com QRPs: text “QRP” in ALL CAPS to 72000 or: eQRP.co By texting “QRP” to 72000 and opting in, you will receive periodic marketing messages from eQRP Co. Message & data rates may apply. Reply “STOP” to cancel. New Construction Turnkey Property: NewConstructionTurnkey.com Best Financial Education: GetRichEducation.com Top Properties & Providers: GREturnkey.com Follow us on Instagram: @getricheducation Keith’s personal Instagram: @keithweinhold   Complete Episode Transcript:   Welcome to Get Rich Education. I’m your host, Keith Weinhold.    The rich are getting richer and the poor are getting poorer. I can’t think of any one time in my life where that’s been happening more than it has been than right now.   I’ll tell you why - and what you need to do to get on the right side of that.    What is going on in the real estate market and what are the real estate economics that matter? Then, a discussion about inflation. Today, on Get Rich Education. ____________   Hey, you’re inside GRE. From Manila, Philippines to Managua, Nicaragua and across 188 nations worldwide, I’m Keith Weinhold. This is Get Rich Education.   The rich are getting richer, the poor are getting poorer - and I can’t think of any one time in my life where that’s been happening more than it has been than right now.   Because Americans living paycheck-to-paycheck might now be ... paycheck-less. Some of them are laid off - because of the pandemic - and now they're concerned that there's no national eviction ban.   That’s right. In most states, non-paying tenants CAN be evicted at this time. Now, you’ve got to check your local law.   Well, when is Congress going to do something to relieve those that the pandemic has left unemployed?   Well, they don’t even reconvene until after Labor Day.   Some people are wondering - “Where is the CARES Act 2?” Where are those updated forbearance options, eviction moratorium, the PayCheck Protection Program, and the $1,200 stimulus checks and the stepped-up weekly unemployment compensation?   In fact, Richmond Fed President Thomas Barkin had  good metaphor. He said: “Months ago, when we did the first stimulus, we thought the economy faced a pothole and the stimulus put a plate over it so we could navigate.    Now escalation of the virus may be making that pothole into a sinkhole and creating a need for a longer plate.” That’s the end of what the Fed President said.   Now, look, I think there’s a lot to be said for just letting the free market do it’s job.    But it’s a little hard to be in this laissez-faire, Austrian economics school of thought when some people could be suffering.     So that you know what I’m talking about, “lay-say-fare” basically means no government intervention into the free market.   Meanwhile, the rich are bingeing off Federal Reserve policy and liquidity injections that keep mortgage interest rates at historic lows and the S&P 500 at an all-time high.   Mortgage rates recently dipped below 3%, which is just amazing.   You don’t even have to be THAT rich … to benefit. If you’ve got substantial exposure to the real estate market or the stock market, chances are, that those assets are doing alright.   One thing that you need to keep in mind as an investor, is that, when the Fed puts rates on the floor, it affects more than just MORTGAGE rates - it affects other rates too - like savings account rates.   Just look at the rates at bank savings accounts.    Even if you’re in one of these online banks that give better yields than traditional brick-and-mortar banks - we’re talking about online-first banks like Ally Bank and Popular Bank - they were paying two-and-a-half percent on savings accounts not all that long ago.    Even those banks are now down to about three-quarters of one percent - probably less than the real rate of inflation.   So because savers get punished worse than ever right now, that, in turn, forces more people INTO things like real estate, because you’re in search of that yield.   Even retirees can’t rely on the paltry income from three-quarters of one percent yield so they have to go to the markets to chase yields too - sometimes unwillingly.   Well, when all these people that got negative REAL yield on savings accounts and CDs - and aren’t going to stand for it anymore, it forces more demand … and money into markets and consequently, floats the price of everything up.    That’s what’s going on now.   Now, I personally don't really like this deepening canyon between the "rich” and the “poor". But I know which side I'd rather be on.   Besides the investment properties, a lot of people want to move and shake-up their living situation like never before - their primary residence - and filter their new home-buying criteria on pandemic ways of life.   Bidding wars are rampant for single-family homes. How rampant are they? Well,  Zillow just reported their highest daily active user count ... ever.    Now, though property data can move even slower than your last 1031 Exchange did, Real Estate Economist Daren Blomquist just compiled THESE year-over-year price changes through quarter two.   You’ve heard Daren Blomquist on the show here. He broke this down this way:    City real estate is up +4% - again, this is all year-over-year through the second quarter. Town +4% Suburban +5% Rural +11%   The two sources are ATTOM Data Solutions and the U.S. Census Bureau.   So rural is appreciating the best. City and town is appreciating the least.    With time, I expect urban areas and apartments to slump. Of course, urban areas and apartments kind of go together.    In the pandemic, living in a lot of large apartment buildings has become about as fashionable as Jazzercise and The Atkins Diet.   Of course, at GRE, we've long focused on rental single-family homes. We’ve talked a little about apartments and you know that I started out with a four-plex & got my start in real estate that way.   This week, NAR Chief Economist Lawrence Yun noted:   " ... (There's) an oversupply of apartment buildings, especially in city centers given the evident recent shift in consumer preference for single-family homes in the suburbs.    Lawrence Yun continued: "Apartment rent growth could therefore be tough going ahead.   The rise of single-family units is welcome, as overall inventory of homes for sale are down 19% from one year ago and there is intense buyer competition in the market as a result." That’s the end of what Lawrence Yun said.   As long as your tenant can pay the rent, this is welcome news for your existing single-family rental homes - like the ones that you’ve acquired through GREturnkey.com.    It puts upward pressure on the price. So congratulations there.   The appetite for real assets, especially desirable rental single-family homes, now propelled by low inventory and low interest rates has put you in good shape if you’ve acted.   But of course, the COVID pandemic isn’t over. We don’t really know how all of this is going to turn out. And even when a vaccine is developed, remember that it will probably take … at least a few months to distribute it.   In my OWN portfolio, all of my single-family rental homes are occupied - 100%. But my apartment building vacancies are unusually high right now.   When we talk about apartment buildings and office buildings as well - Axios recently reported about how residents and workers are experiencing what they call “elevator anxiety”. I’ll put that in the Show Notes for you.    An elevator is one of the most physically, uncomfortable awkward places to be in the pandemic.   If you’re wondering about how that real estate looks - we’re generally talking about buildings that are four or more stories in height.   In fact, the ADA - the Americans with Disabilities Act - stipulates that properties with four or more stories generally are going to need to have an elevator.    I’ll tell ya - if apartment buildings are as unfashionable as the Adkins Diet these days, then being inside an elevator is about as hip as Jane Fonda workout videos, NordicTrack, and Sweatin' To The Oldies with Richard Simmons.   https://youtu.be/na9ZZ4ZjVa8?t=28     Oh geez. Did that really just happen? I guess it did. So … while we’re all processing that, getting back to real estate here.   Now, Fannie Mae and Freddie Mac recently said that they will start charging a 0.5% “adverse market fee” on all refinances, including both cash-out and non-cash-out refis. They were trying to put that new fee into effect for next month. What a drag that would be. So for every $200,000 you refinance, you’d have to pay an additional $1,000 fee - or maybe your lender would pay it. What Freddie Mac said is: “As a result of risk management and loss forecasting precipitated by COVID-19 related economic and market uncertainty, we are introducing a new … what they call ... Market Condition Credit Fee in Price”. Freddie sent in their notice to lenders. Wouldn’t that be an annoying fee? Well, almost immediately, the National Association of Mortgage Brokers struck back. They launched a campaign to reverse that newly announced one-half of one percent refinancing fee. We’ll see where that goes.   Now, things are really good for homebuilders these day. An index measuring homebuilder sentiment matched its highest level ever yesterday. Why? I mean, it’s simple. There is a healthy amount of DEMAND from buyers and not enough homes to meet it.  Also, the 30-year fixed mortgage rate bottomed out at 2.88% in August, the lowest point on record. Those low borrowing rates are boosting homebuyers' appetites … obviously. There really are a few recent stories that are de facto microcosms - reflections of this appetite for a work-from-home arrangement and less dense housing. For example, it’s really telling to look at what the outdoor clothing and gear company, REI just did. Do you like REI? I like shopping there. Even if you aren’t into outdoor stuff, you can always find a cool water bottle or something at REI. Well, they just announced plans to sell the lavish corporate campus that they had just finished building near Seattle.  REI executives concluded that employees were able to collaborate remotely better than the company originally THOUGHT ...so a massive physical HQ just wasn’t worth the cost any longer. So REI is selling what they had just built. Other real estate segments falling out of favor - are those high-density places, like you might expect - New York City and San Francisco.  StreetEasy reported that Manhattan home values dropped 4.2% since last year and homes are lingering on the market more two months longer … than they had just last year. San Francisco list prices are down 5% annually, while inventory is up 96%. Yes, a near doubling of available inventory in San Francisco. NYC and San Francisco were already the most expensive housing markets in the country BEFORE the pandemic. And life under lockdown has given people that nudge they had already been considering for years. And then, single-family homes in outlying areas are the real beneficiaries here. There have been a number of notable milestones. COLORADO SFH sales rose 21% July-over-July. The median price statewide in Colorado is now $444,000. Just looking at Denver, Denver just broke the $600K mark for the first time ever.   So, a few months into the pandemic, we’re getting a clearer sense of who the winners and losers are - a lot of them are what we expected.   If I had to slim it down to just a 3-word answer for you on why the rich are getting richer, those 3 words are: Federal Monetary Stimulus.   And the stimulus is disproportionately benefitting … asset owners.   Well, the pandemic hasn’t affected some real estate investors at all. Others, feel more reliant on the next government stimulus program to give their tenants the wherewithal to pay the rent.    Well, if you, as an investor want to have the majority of your rent income payment guaranteed to be made by the government to you over the long-term, well, that’s what landlords of tenants with HUD-funded “Section 8” housing have enjoyed for decades.   You have guaranteed rent income.    I think you remember that I had a turnkey provider that specializes in Section 8 housing here on the show on Get Rich Education Episode 297. So just ten show ago, which was 10 weeks ago.   Like any investment, Section 8 Housing is best viewed through a prism of pros and cons.    Section 8 is not for everybody. Some love it, some don’t … but this provider manages the Section 8 administration FOR you. They’ve got a great relationship with the housing authority.    That’s something that most landlords of this government-subsidized housing never had.    “Guaranteed rent income” has a nicer ring to it than it did just a year ago.   Get the provider report and learn more at GetRichEducation.com/Section8   That’s our Richmond, Virginia provider. In fact, CNBC named Virginia as the most business-friendly state in the entire nation.   I’m Keith Weinhold and I’m coming back to talk to you about inflation.    Again, learn more at GetRichEducation.com/Section8. This is Get Rich Education!   _________________   Hey, you’re back inside Get Rich Education. I’m your host, Keith Weinhold.   Both the pandemic-driven CARES Act, and whatever other monetary stimulus acts that follow … are injections of trillions of dollars into the economy.    In fact, it’s now driven our national debt to nearly $27 trillion dollars.   Of course, this has the effect of … money printing. It’s not literal money printing. The more you learn about it, it’s often U.S. government bond issuance.    A bond really just means that the government issues an I.O.U. that someone else, like China buys.    Those are some of the semantics behind, what we you can really more closely think of as “currency creation” rather than money printing.   Will this result in inflation? That’s the big question. Well, longer-term, many think, “yes”. Short-term, “no”. We are in a low demand environment.   Of course, as a real estate investor, you want inflation. You might have seen on the Get Rich Education YouTube Channel where, I have visually mapped out how you win “The Inflation Triple Crown”.   In fact, if you just Google the three words, “Inflation Triple Crown”, you can probably see me - as the first hit on Google - and you can watch me doing the whiteboard video.   As you’ll remember, real estate investors win the Inflation Triple Crown because inflation provides you with: #1 Asset Price Inflation, #2 Debt Debasement and #3 Cash Flow Enhancement - that all works terrifically when you’re leveraged.   There are more signs of inflation out there in the economy right now than we’ve seen in the recent past. Though I still expect it to be mild as long as we’re in this pandemic-driven low demand environment …   The consumer price index rose six-tenths of one percent last month. That beat the two-tenths expectation that economists had had.    Food are prices up substantially, and then, a substantial input to homebuilder pricing and therefore the future value of homes - is lumber - and lumber prices have been soaring higher.   Treasury Secretary Steven Mnuchin said that the administration is unfazed with these historically obscenely high levels of government spending … thanks to the nation’s very low interest rates.   See, the Fed is less concerned about mounting debt when the interest rate that THEY pay on their debt is low … much like you’re less concerned about your debt when the interest rate is so low - you might be looking to take on more debt now.   Of course, YOU’VE got a better deal on your real estate debt than the Federal Government does, because the Federal Government doesn’t have tenants to service their debt for them like you do in an occupied rental property.    Could America reach a STAGflationary state again like it did in the 1970s? We haven’t discussed the economic phenomena of stagflation before.   Do you know what that is? Stagflation is a stagnant economy with inflation. That’s what it means.   OK, usually a more stagnant economy - like we’re in now - is characterized by low inflation due to lower demand not running up the prices of consumer goods and household staples.   But again, stagflation means that there’s a stagnant economy WITH high inflation. Could THAT happen this decade?    To reinforce your learning here, let’s listen to the audio from this explainer video from One Minute Economics about stagflation.    This is less than a minute & a half in length.    https://youtu.be/YaC_PNKu_Cg   Yes, well, if we get stagflation, meaning again, a stagnant economy that we have high inflation, I don’t know that we’d have another Fed Chief like Paul Voelcker - who, 40 years ago, brazenly raised interest rates so aggressively to combat inflation that mortgage rates were 18% forty years ago.   I don’t know that anyone would prevent inflation from running away at that point.   But again, that’s STAGFLATION.    Now, I know what you might be thinking. Maybe you’re thinking that all of the Fed currency creation to pull us out of 2009’s Great Recession didn’t produce high inflation, so why would it be any different this time, with all these CURRENT cycles of massive dollar creation once again?   That would be a valid thing for you to think.   At least based on the official government numbers, we’ve only had about 2% monetary inflation in recent years.    Well, see. Though high inflation wasn’t the RESULT ten years ago, it might have actually been CREATED and you just didn’t know it. So, here’s what I mean.    Say that the expansion of globalization and technological advancement REALLY meant that we had NEGATIVE 5% inflation - another way to say that is that what if we WOULD HAVE had 5 points of deflation if they’re WEREN’T any excess dollar creation?.   But yet, all of the dollar creation after the Great Recession caused 7% inflation.   Well then, 5 points of DEflation offset by 7% INflation resulted in ... 2% inflation.   Think about it that way. Maybe something like that is what really happened … and that is why all of today’s currency creation COULD result in high inflation. We don’t know that it will. But that’s just one reason why it COULD.   Now, overall, to pull back and look at the state of housing in this pandemic-driven recession.    Housing has been - and continues to be - substantially better off in this recession THAN it was in the 2008 Great Recession - that event - twelve years ago, had a housing COLLAPSE as a driver. People left the keys and walked away from their homes back then.   Now, instead, we’ve got bidding wars for housing.    I want to temper that with a reminder that the pandemic is not over yet, and it could still take an unforeseen turn.   The bad part about this recession is that we’ve got higher unemployment than we did back then.   Now, the reasons that real estate is BETTER OFF in this recession compared to the last one is:   Housing Demand Exceeds Supply - that was in the OPPOSITE state last recession. Responsible Lending Prevailed - again, that was OPPOSITE of last time. We’ve Got Low Mortgage Rates - lower than they’ve ever been.  And We had No “Bubbly” Price Run-up before this recession, unlike what happened in the 2008 Great Recession.    They are … the key differences.    Coming up on a future episode here - we’re primarily a show about how buy-and-hold residential INVESTMENT property produces wealth for you - and how to avoid mistakes.   But so many people are re-evaluating their primary residence situation lately, that, coming up on the show, I’m going to go deep on - “Should You Rent Your Home Or Should You Own Your Home?”   There is some counterintuition and paradox here.    I’m going to give you a new twist on the fact that - if you pay rent, that is NOT The Same As Throwing Money Away     Also, some people seem to think that homeownership is like: "Renting. Except you get to keep it." That is false and that has caused millions of people to buy houses that they later regret.   Is your primary residence an investment? Do YOU consider it an investment? Well, in almost EVERY case it is a poor financial investment, but it could be a good lifestyle investment.    So, “Should You Rent Your Own Home Or Own Your Own Home that you live in.” That’s coming up on a future show.   Well, regardless of your living situation, pandemic-driven unemployment might have made you realize that … you need a durable, long-term 2nd source of income - if you don’t already have one.   Even if you aren’t losing your job, circumstances have hit close to home for a lot of people.    You can either let other people make money off your money, like the bank paying you 1% on your savings.    Or you can make money off OPM (like borrowing at a 5% mortgage to invest at 11% - or hopefully, a lot more than 11% with the (up to) five profit centers that real estate has.)    RE is that instrument of arbitrage.   As they say, you can either teach a man to fish or give a man a fish. Well, why not do both? That IS the abundance mindset afterall.    At GetRichEducation.com, we teach you how to fish.   At GREturnkey.com, we give you a fish too.   What is going on at GREturnkey?   Well, first, get your mortgage pre-approval at a reputable lender that specializes in investment property like Ridge Lending Group.   You’ll see at GREturnkey.com that Birmingham and Huntsville, AL have investor-advantaged numbers that work.   Pockets of Huntsville may have better appreciation if they’re tied to employment in the space industry.    Gosh, love him or hate him, Elon Musk gave us something to actually celebrate in an otherwise tough 2020 as he led the first private company to launch astronauts to space - emblematic of the burgeoning space industry - both Huntsville, AL and Orlando, Florida there at GREturnkey pick up on some of that.   We just discussed Chicago here last week. Chicago and Dayton, Ohio are two markets that keep sourcing existing inventory that they beautifully renovate, and both markets have rent-to-price ratios that are typically OVER 1%.   When you’re over 1% and mortgage interest rates are this low, it makes your affordability as an investor REALLY advantageous. That’s Chicago and Dayton.   Des Moines, Iowa is sourcing a little inventory lately - not as much as some of the other providers. That’s a stable place.   Florida is a bright spot for new construction turnkey property - Jacksonville, Tampa, and the aforementioned Orlando all sourcing brand new construction property.    When it’s NEW construction, your insurance cost is often really low too.   Memphis, Tennessee and Little Rock, Arkansas are both the SAME provider there at GREturnkey - and that provider name is MidSouthHomeBuyers. There you have lower price points and MidSouth Home Buyers is so good with beginners.   And then, Oklahoma City - the numbers work and some media outlets have named Oklahoma City as the most recession-resistant market in America. You’re getting a 1% rent-to-price ratio there too.   Finally, Richmond, Virginia - I mentioned them earlier. They specialize in knowing the ways and means of how to optimize Section 8 tenancies because they have a great relationship with the housing authority there.    Most, or really all of these markets that I mentioned are in the United States Midwest & South.    Florida - oddly enough - is not culturally the South - though it’s the most southeastern state there is - their history of net-in migration makes them culturally disparate from what we think of as the south, but …   … all these markets I mentioned are in investor-advantaged metros where you generally have more stable prices, and landlord-tenant law that favors your rights moreso than the tenant’s rights.    So these markets are hand-chosen pretty carefully for you.    Once you’re pre-qualified for a loan, find all those providers & a few more at GREturnkey.com.   I am honored because you have given me something … and that is that I have had the privilege of having your time today.    Until next week, I’m your host, Keith Weinhold. Don’t Quit Your Daydream!

Horrible unemployment, stock market rally, and a booming housing market. Has the U.S. economy already recovered? Banks are worried, lenders are tightening up, and the overall mortgage process has changed. Aaron Kopelson discusses with Jason Hartman, some of the biggest changes he has seen in the last few months.  Key Takeaways: [2:30] The U.S. Economy, has the recovery already occurred? The greatest 50-day stock market rally of the S&P, in all of history. [4:00] We give the government a monopoly on violence.  [7:15] Is the economy waking up with a roar? [10:00] Virtual Meet The Masters: July 10th, 11th, & 12th Guest Aaron Kopelson [11:30] One of the mortgage lenders' current biggest fears, and reasons for tightening up, is an early payment default or a first payment default.  [13:00] What is a jumbo loan, and what defines the limits per market? [15:00] There’s no appetite from investors that want to buy mortgage-backed securities for these non-QM loans.  [17:00] Real estate is a credit backed asset. When the financing starts to dry up, so do the prices.  [20:00] Nobody was paid to put the brakes on and look at where we ended up (2008 recession)?  [21:20] Fannie Mae & Freddie Mac are allowing for drive-by and desktop appraisals.  [24:25] Is mortgage insurance allowed on investment properties? [28:10] V.O.E. Verification of Employment is growing in importance for loan approvals.  [29:45] What’s an overlay? Websites: Kopelson Team awmloan.com JasonHartman.com JasonHartman.com/properties Jason Hartman PropertyCast (Libsyn) Jason Hartman PropertyCast (iTunes) 1-800-HARTMAN

Visit www.TheAndresSegovia.com for more information.

Often times student debt can be a big reason why people don't qualify to buy a house. But did you know that there are ways to structure your repayment plan in order to get approved for a home loan? Here are some tips on how you can buy a new home, even if you have Fannie Mae/Freddie Mac loans.

Jason Hartman and investment counselor Carrie go over how the network functions. The two explain the process of finding properties, getting financing, evaluating the provider, and choosing property management. This can seem to be a daunting task, but that's why the network exists: to provide the complete solution for real estate investors. Key Takeaways: [4:34] The middle market between Fannie Mae/Freddie Mac loans and hard money has been a boon for investors [10:18] Keep your investment counselor in the loop with your purchases, having a Jason Hartman email address in the thread helps things move faster [14:00] Form relationships with market specialists so that you can know what you're getting into with future properties Websites: www.JasonHartman.com/Properties www.RealEstateTools.com

Jason Hartman and investment counselor Carrie go over how the network functions. The two explain the process of finding properties, getting financing, evaluating the provider, and choosing property management. This can seem to be a daunting task, but that's why the network exists: to provide the complete solution for real estate investors. Key Takeaways: [4:08] The middle market between Fannie Mae/Freddie Mac loans and hard money has been a boon for investors [9:52] Keep your investment counselor in the loop with your purchases, having a Jason Hartman email address in the thread helps things move faster [13:34] Form relationships with market specialists so that you can know what you're getting into with future properties Websites: www.JasonHartman.com/Properties www.RealEstateTools.com

Jason Hartman and investment counselor Carrie go over how the network functions. The two explain the process of finding properties, getting financing, evaluating the provider, and choosing property management. This can seem to be a daunting task, but that's why the network exists: to provide the complete solution for real estate investors. Key Takeaways: [5:08] The middle market between Fannie Mae/Freddie Mac loans and hard money has been a boon for investors [10:52] Keep your investment counselor in the loop with your purchases, having a Jason Hartman email address in the thread helps things move faster [14:34] Form relationships with market specialists so that you can know what you're getting into with future properties Websites: www.JasonHartman.com/Properties www.RealEstateTools.com

Jason Hartman and investment counselor Carrie go over how the network functions. The two explain the process of finding properties, getting financing, evaluating the provider, and choosing property management. This can seem to be a daunting task, but that's why the network exists: to provide the complete solution for real estate investors. Key Takeaways: [5:08] The middle market between Fannie Mae/Freddie Mac loans and hard money has been a boon for investors [10:52] Keep your investment counselor in the loop with your purchases, having a Jason Hartman email address in the thread helps things move faster [14:34] Form relationships with market specialists so that you can know what you're getting into with future properties Websites: www.JasonHartman.com/Properties www.RealEstateTools.com

Website link: SimplePassiveCashflow.com/investorletter https://youtu.be/pBq1x7vTAuUStart learning about real estate investing - SimplePassiveCashflow.com/startSubscribe to the Top-50 Investing Free Podcast - https://podcasts.apple.com/us/podcast/simple-passive-cashflow/id1118795347_________________________Top SimplePassiveCashflow Posts:This website has been going through daily improvements everyday since 2016. I admit things are a bit all over the place as I learn about these investments and wealth tactics. Events – SimplePassiveCashflow.com/eventsPast Projects - crowdfundaloha.com/past-projects/Simple Passive Cashflow’s Investor Friend Finder!!! –SimplePassiveCashflow.com/friendsMenu of Investing Options – SimplePassiveCashflow.com/menuLaneHack – SimplePassiveCashflow.com/lanehackPassive Investor Accelerator eCourse - SimplePassiveCashflow.com/ecoursePassive Investor Accelerator eCourse & Mastermind - SimplePassiveCashflow.com/journeyCoaching – SimplePassiveCashflow.com/coachingJoin our Private Investor Club – SimplePassiveCashflow.com/clubJoin our Team – SimplePassiveCashflow.com/jointeamOur Mission – SimplePassiveCashflow.com/missionPartner Opportunity – SimplePassiveCashflow.com/partnerProducts I support – SimplePassiveCashflow.com/productsAbout Lane Kawaoka – SimplePassiveCashflow.com/about-meQuarterly Investor Updates – http://simplepassivecashflow.com/investorletterSPC YouTube Channel – https://www.youtube.com/channel/UC3cIIsGKx3osVU5rt2P0HfQReal Estate Book Recommendations – SimplePassiveCashflow.com/booksBackwards Engineering Happiness – SimplePassiveCashflow.com/happyRental Property Analyser – SimplePassiveCashflow.com/analyserVisit Lane in Hawaii – SimplePassiveCashflow.com/retreatStart Here – http://simplepassivecashflow.com/startUltimate Simple Passive Cashflow Guide to…1031 Exchanges – Simplepassivecashflow.com/1031guideNewbies – SimplePassiveCashflow.com/noobInfinite Banking – SimplePassiveCashflow.com/bankingYour Opportunity fund – SimplePassiveCashflow.com/ofundTaxes – SimplePassiveCashflow.com/taxTradelines – Simplepassivecashflow.com/tradelinesTurnkey Rental Guide: simplepassivecashflow.com/turnkeySyndication Guide – simplepassivecashflow.com/syndicationCrowdfunding – SimplePassiveCashflow.com/crowdfundingNetworking – SimplePassiveCashflow.com/peoplePrivate Money Lending – SimplePassiveCashflow.com/lendInvesting in Coffee/Cocoa – SimplePassiveCashflow.com/coffeeInvesting in Non-Preforming Notes – SimplePassiveCashflow.com/ahpRent don’t buy – SimplePassiveCashflow.com/homeInvestor Fallacy: Return of Equity – SimplePassiveCashflow.com/roeHow to Calculate Investment Returns – SimplePassiveCashflow.com/returnsWhy you should break up with your Financial Planner – SimplePassiveCashflow.com/fpQuitting your job – SimplePassiveCashflow.com/quit0:03 This is the story TV. What's up simple passive cash flow listeners wanted to announce the first multi day we mastermind in Hawaii will be holding it on my island of Oahu, Honolulu is on President's Day 2020. And that's February 14 to the 17th. And a reminder, Valentine's Day is the 14th. But we'll keep that evening for you. families and couples want to come on down for that we're actually encouraging spouses and families have come down, because that's part of the whole experience. Getting to know other families and getting to know other community members is gonna be a big part of this. So what to expect structured networking and masterminding with existing CWI investors and other affluent investors. We're going to create the time in the environment to build real relationships that you can take For forever and for you, a students out there will do even be doing a full day of networking and mastermind and education. So once again, bring your families we're going to have optional excursions such as a luau, happy hours dinners and some other activities to be able to have fun in the sun. And, you know, space is extremely limited because my vision is to kind of create this as a more intimate environment where we're all one big little ohana here. So come in and combined business and pleasure in a little tax write off hopefully you can get that right off in before the 2019 ends. Those signing up now we'll be able to get a free one on one strategy session that if you want to stick around till Tuesday, we can knock that out or if you're leaving early, we can try and get that done throughout the weekend. But Hope to see you out in Hawaii go to simple passive cash flow. dot com slash week three. And we'll see you guys here.2:26 Okay is January 2020. And this is the monthly market update. If you guys have not heard of me before, I have simple passive cash flow podcasts where it's all about passive investing in real estate and potentially other non real estate items as we get deeper and deeper into the market cycle. So the first is a collection of different news articles that I've got it but I do this every year, those who aren't familiar with what's shown here. This is the Google keywords. You can look at keywords in Google and look up different trends and you can see how the world is what they're searching for, throughout the different times. So I'll go in here and I'll screw around, I'll put in the word recession, and obviously in the year 2008, everybody was searching for it. And it's been nothing so far, except there was some kind of blurb here recently. I don't know what that's all about. But then, you know, you compare it to other words, like I put in in blue here, retirement investing and recession seems like people are starting to get back on the investing bandwagon after 2010. So, you know, a lot of you guys are looking for turnkey rentals or even single family homes in general, man, it's just so competitive out there. retirements kind of been steady. I was in San Diego the other month and a guy from john burns gave a speech on market conditions. They're like good slides in here. I just took this one to add in the presentation. Where do we expect the growth to be the strongest will it's all the southern states and this is what I mentioned before. Peter likes little smiley face in United States. I think the further I had properties was Pennsylvania and Indianapolis. But I since sold those properties. Now my most northern property is up in the mines. And yeah, it's a pain in the butt. You got all this pipes breaking and you know the trends are all everybody's moving to the south. Maybe it has something to do with people getting older and they want to retire. But I believe it starts at markets. You're looking at job growth in the southern states for a lot of blue collar jobs. And I think that's what's driving a lot of the Southern growth to certain markets. So a commercial headline here, Florida's first LGBTQ senior housing breaks ground, kind of interesting, and I don't want to get political or or get people upset or anything like here but so like you Like senior housing it is what it is. They say like seniors like to live in clusters with their own racial similarity people. So it's just it's interesting how these things develop like this, some Huntsville news here and some Arkansas news here, a couple secondary tertiary markets that are really starting to get on the radar. And I think Gone are the days where you can just wait for deals coming from Memphis, Kansas City, Indianapolis, you know all the perennial turnkey markets that have been pushed for almost a decade now. You've got to go you've got to go and uncover some higher hanging fruit these days. So Redstone Arsenal is in Huntsville are going to 50,000 workers by 2025 new plants new a class development there and spring for Arkansas. They just leased to BNSF logistics company that I'm very familiar with. The railroad company railroads are known to be leading indicators for the economy at least that's how it was for when you were coming out of the recession in 2010 2012. They're the ones who are are hauling a lot of the raw materials the lumber the chemicals to to industries to them process and make the final product top markets for multifamily rent growth from multi housing news look at that Huntsville Alabama and I'm a little upset because I don't want anybody to know about little Huntsville This is probably the first month I've ever seen it on crack this list Las Vegas has been there but we all know kind of stay away from Las Vegas because it's a very cyclical market. Pensacola was number one Phoenix was number two Huntsville was number three Las Vegas number number four and five was Portland, Maine, and that is 4% change year over year growth. The some news that we've been falling on the Fannie Mae Freddie Mac saga in past news, Fannie Mae, Freddie Mac, it becomes sort of public entities after the Great Recession of 2018 Kind of collapsed government stepped in and there's there's talks about them going back to private organizations, some articles here and we'll have all this in if you guys go to simple passive cash flow calm slash investor letter, all these articles and links are found there if you would like to share that with other people, maybe you have a person who is not completely on board with investing. So Freddie Mac says here that they expect the housing market in 2020 and beyond the GSE also expects home prices growth to slow over the next few years with annual growth rates of 3.2% 2.9 and 2.1 respectively, from 2019 to 2021, respectively,7:45 still growth but I think that7:46 everybody's integrins that things are kind of slowing down but still moving forward. But definitely that Gone are the days of the four to 7% increases another article at the end offending me Freddie conservation ship by 2022 They're saying that if all goes well 2021 2022 will see a very large public offering of these companies. What does that mean? Well, I think most investors will get freaked out because oh my god, I can't find a Fannie Mae, Freddie Mac loan for my properties anymore. I wouldn't worry about it. There's always going to be some other way. And then this is the government. I'd be surprised if anything you mean happens by 2023. This is also happen. I think, earlier this year for our deals. We were talking to our direct Fanny lender, and they said this is in the summertime that they had hit their annual quarter or quota for 2019. And they weren't gonna be lending anymore, but they had a meeting of the minds and then a couple weeks later, they get it all figured out and then they just move some things around and they they opened up the floodgates again, next article here on a year over year basis. The September starts of buildings with five or more units were 5.8% below September 2018. These two charts are showing the rents been pretty stable. Between a 2% to 4.3% rent increase and in relation to the CPI and then on the right side here is a chart of the multifamily starts and what that is, is new inventory coming online. Typically Class A builds are being built up ranging in 300,000 to 450,000. This last calendar year. Have you ever listened to a podcast or been in a seminar and too afraid to ask a slightly personal question, our mastermind will have an intimate feel where people are going through the program together and at their own pace if needed, in order to foster friendships. When I was learning and paying thousands of dollars for masterminds and mentorships the network however, hokey pokey as it sounds was a big part of it. What happens in the mastermind stays in the mastermind will use the BI weekly webinar sessions to the set concepts with real life examples here how someone else might implement something like infinite banking concept on a hotseat session. Our group will attract thought leaders to meet just with our exclusive group. We can get FaceTime and ask individual questions. Why? Because our group will be people who put their money where their mouth is and go out and make things happen as opposed to your local Rei Club, which is traditionally just a bunch of tire kickers and some sharks simple passive cash flow calm backslash journey to learn more.10:28 Us job gains surprisingly solid in October says real page and this comes from the Bureau of Labor Statistics. So unemployment has gone down from almost 10% to now little under 4%. So almost like a straight line steadily going down. I mean, everybody's working out there seems like monthly change in employment if they fluctuate, but I think the orange line shows the story right there all time. lows in unemployment now one of all time but been the lowest since about a decade, another Interesting market that I've been kind of looking at lately is Phoenix, Arizona. This article here Phoenix multifamily report is showing the metro sustain economic performance and demographic expansion continues to be reflected in the multifamily market. I'm watching it it's a hot market and it typically is if you look back at the last correction and growth cycle it's growing a lot now but i don't know i mean, me personally, it's very intriguing but yet it also fell a lot in the recession too, but I think I think it would work if you bought like a smaller multifamily in a higher price area like Arcadia submarket is super solid a class but if you push like a C class up to be of course that sounds good in theory, what sounds good in theory isn't really found the ball out there. It's very rare, but I think that would be a cool way to ride this wave. So the yardie matrix report is a pretty good news source for real estate and commercial real estate. Some of their takeaways is that the US economy is a glass half full glass half the The situation where the GDP growth in quarter three was okay at 1.9%. And we expect q4 to be a little lower us oil production is keeping inflation low below 2%. The yield curve, which has inverted been inverted for five months now, or we're talking about is that people talk about the yield curve when the 10 year curve inverted and that was supposed to be marking the end of humanity and the markets as we know it, but we're all still here saying it's flattened following the September 18 and October 30. rate cuts the European and Chinese economies are still in poor shape. The US service sector labor market is extremely tight in wages continue to rise, manufacturing and farm sectors are struggling. There is a highly elevated risk of recession mid 2021, which that's their opinion. I'm reading other news sources that are not free that don't say that but I again, I think it's good to go into deals with cash flow in mind. Just don't get caught with your past. Down is kind of the same yardie continues to say here demographic and lifestyle changes are fueling strong demand for multifamily due to aging population increasing divorce rates and more younger people living at home contribute to smart demand. And overall housing production is unlikely to catch up with household formation. And this is what keeps putting upward pressure on rents and occupancy. And I think this is why you're seeing pressure for rent control a lot of the California type of markets and it continues to talk about some more political risk more from yardie. They came out and it's just another graph here of GDP growth. It's been pretty much positive for a decade Consumer Confidence Index. I don't know how they measure that, but right now it's at all time highs for the last two decades and the Atlanta fed GDP q4 2019. forecast is 1.1. So they also brought up this interesting thought about inflation. Why is there no inflation and they're saying the US oil is flooding the market now I only recently started to check oil I did an oil and gas deal by myself and the last year14:05 so now I'm actually know what the what the price of oil was before I didn't really care. But now I'm kind of starting to pay attention to it. And that's I think that's indicative of like learning, right? Like if you wanted to learn Bitcoin go put in 500 bucks and you'll start to pay attention to it. So I think what what they're saying here is why isn't inflation going up? Well, the US oil supply is kind of coming into the market and I think that's what's kind of I don't know if I'm saying it right, but maybe it's a cheaper support soil. For those of you guys doing Airbnb and short term rentals. I do have a simple passive casual Facebook group just for that but I'm not a big fan of doing the short term rental stuff and other bad news headline here Airbnb is banning all open invite parties and events says Newsweek hosts who attempt to circumvent this ban, and allow guests to throw large parties will be subject to consequences. Now I thought this was a great idea about 510 years ago right? If you're pretty frugal and you want to downsize or have a small apartment you want to have friends over what do you do you get a cool big air b&b and you you trashed a place there or you have everybody come over there but apparently Airbnb dawns upon that five markets with the greatest rent loss so you don't want to be on this list number one Midland Odessa they had a percent change of negative 4% number 200. Hawaii Gee, I wonder where that is. It's it's kind of funny because we don't really have boy doesn't really have seasons out here. Number three, Baton Rouge number four Scranton, number five Lafayette like Charles I'm in some fields and like Charles downs kind of alarming to me. So a lot of you guys sent me this article and I thought I'd put it in here because since you guys were interested in me, I didn't really care. Number one, it still has to go through a lot of voting. But so the SEC is proposing to update accredited investor definition to increase access for investments to a minority portation what they're doing is they're adding this term sophisticated are accredited for accredited investors, you can sort of test your way into being accredited by doing like a series six or seven. They haven't figured it out yet, nor have they approve this. But for those investors who are sophisticated, and maybe like half a million dollars net worth, you're able to test to be a credit status. But again, I don't know why this even matters because 97 to 90% of deals out there, if you go to the SEC website, you, you look, we actually spend the time and go look, the Egor database, 90 to 97% of those deals out there are 456 beat deals, which include non accredited investors, sophisticated investors, I don't know why people always fight to get into five or six seed deals. In my opinion, the reason why they're doing is they can't raise the money from their list. That way, they have to go to some crowdfunding website and they have to kind of throw a hail mary for investors, but that's just the way I look at it. crowdfunding websites just cost too much too. Obviously not for the investors but for the audience. Operator it just costs too much money to have money raised that way. I don't know why any good operator would use that as a means of raising capital unless they're desperate average new apartment size shrinks in the East and West Coast City says the national Ari investor in buildings developed since 2010. Apartments average roof size was 940 square feet that's down from an average size of a roughly 1000 square feet in buildings created or before 2010 same prior to 2010 properties were more likely to feature a more prominent mix of two and three bedroom floor plans as opposed to studios in one bedrooms in this kind of goes hand in hand with like like in Hawaii, they there's a lot of multi family households, a lot of people living under one roof. So if you guys have been keeping up with simple passive cash flow, calm content, I say that jokingly because it's almost impossible to do it but these are the new articles that I created this month and the first one is transitioning to syndications and help Tips webinar that was a recent podcast and it's also an a webinar video forum. So if you guys haven't checked out this and passive cash flow YouTube channel, go ahead and search for that if you're listening to this on the podcast just all be on video form for you to look at the cool pictures I spent all my time searching for you guys make it worthwhile for me check it on the YouTube channel. And so the next article here that I worked on was infinite banking with whole life insurance for 2020 when I have Chris miles as a guest, and he actually went through and showed a comparison of two policies, something that I know it's never been done before, but I keep telling these guys like my podcast listeners, and my folks are super smart. Like you just can't keep bringing the same old lame stuff. It's boring. Number three here, new investor portal with three modules and the past deal webinars. So I launched the simple passive cash flow members portal, it is free, but you only get the first three modules of the course and you guys can do that by signing up for the newsletter. The investor club at simple passive cash flow calm slash club I also created this other 2020 goals lunch which after this meeting, we are going to stick around and we are going to go through this goals lunch exercise together and it looks like we have a good amount of people. So we can definitely do a lot of utilize these virtual breakout rooms to hair off and get some interaction within our tribe. So I'm kind of transitioning to my personal activities this past month, it gives my investors insight into my life and maybe gives you some ideas and some things you guys to work on. I break them up into six categories. And the first one is growth. So I spent a lot of December planning for 2020 I one of these ideas I had in my head was to finally do a multi day mastermind in Hawaii. And we've done one in Sonoma before and then last year we did one in would have been Phil Washington near Seattle but never in Hawaii because I had this living belief that nobody would fly out to Hawaii to see me but apparently a lot of people will these days or maybe it's just Hawaii but you guys can check that out simple passive cash flow calm slash Hawaii three h UI three for details on that if you'd like to join us but personally I've implemented this new idea of profit first by Mike mccalla Wits he gave a keynote speech at our last mastermind and initially it's kind of sounds kind of obvious almost elementary like yeah, obviously dummy like you pay yourself first right you put money aside first he brought this matrix here and I'm showing on the screen but it shows where you are in terms of how much money you bring in says real revenue range but that's more of like20:42 instead of real revenue concert more profit. So let's just say you're bringing in zero to two quarter million dollars your profit you should put aside as pure profit is 5%. So you should put like, you know, out of 100 grand five grand into the bank or make Different bank account like me personally, I'm going to put that in my wife's account and consider that gone. Hopefully that builds a little goodwill for me. So I can keep investing. The next category is owners pay. So this is where you pay yourself a salary for what you're doing. And it's different. It's a little different from profit, but very similar. So they're recommend in here 50% to set aside so your salary and these kind of go back to overview of this, like this is more for entrepreneurs, but I feel like all us real estate investors are sort of like entrepreneurs, where the trouble is like, when do you take profits off the table and actually start living instead of putting your nose to the grindstone and keep saving and putting more money into the next few in the next few in the next in the next year. This gave me a little bit more framework. The next category is taxes. So it's 15% whether you make zero dollars or bazillion dollars, of course some investors making over $300,000 a year might say like what the heck, that's 15% but I see it all the time. You know, that's why you got to be investing. You got to get the deductions and then the bonus depreciation, that's how you get down to that 15% number 2018, I paid 14%. And this past year, I paid 4% of taxes and all following the rules. So the IRS wants to automate, they can come and get it, you know, maybe they'll learn a thing or two, when I figure or at least tell me how to do it the right way, operating expenses. Now, this is something that I took away like, and this is what I see as an investor as the, you know, putting back into your business or buying more properties. So they're saying, the less you make, the less you should be putting back into your business or investing but for me, it was I was doing so many things by myself in terms of running the investment side and running the education company and then going to the gym every day and stuff like that, I realized that my overhead was super low. And I was working like 12 hour days. I mean, last night, I was up to like three o'clock in the morning doing some of this stuff, and that shouldn't be the case and that's going to probably going to lead to burnout. So going through this profit first exercise, I really lies that I need to allocate at least 30% to spending on things like I bought this drink this drink is like a fortune it's like five or six bucks but as opposed to going to the store and buying all the vegetables a cold press it I just buy23:13 it at some point time is more valuable than money. But if your net worth is under a quarter million dollars, I'm not talking to you, sir. You need to keep working and being a cheapskate In my opinion, second category or contribution I'm going to lead this goals seminar right after this. That's kind of like give back to the community I do every year made it a lot better this year than last year. So there are some new things if you guys have done it in the past. So people like like to go through this exercise. It's kind of a live experience. And we'll be doing this also in Hawaii, but I've got a few other tricks up my sleeve to add to the content. But those of you guys who be sticking around the whole thing is playful out and I think you'll get a lot out of it. third category is significance. So close couple of deals late last year, the hundred four unit and how Phil and then the 212 unit in reflections that I went and visited last time I was in Dallas last month and I played around with the golf cart. You guys saw me on social media playing around with that. Yeah, that's that's why I do what I do. Because I can play around with the quote unquote, other property is that what that is called approach on higher level guests and others and authors on the podcast. So what I'm looking to do, there's find things that you guys are interested in. So if like, I'm having a more mindset person coming in, but not one of those fooful people, and I'm going to steer them in the right direction. But this is all simple passive cash flow. It shouldn't take very long to do all this stuff. And I keep telling a lot of people in the mastermind, if you're spending more than like, five, six hours a month, being a passive investor, you're doing it the wrong way. You need to figure out how to do a lot more efficiently because you're doing it wrong. And I get it like if it's your first few months, you're going to be consuming podcasts left and right, but there's an easy way of doing it and then there's a hard way of doing it. So if there's any content out there that you want Want me to use the simple passive capital podcast to get certain guests to ask our questions and let me know. I'm always looking for feedback for the podcast to add more value out to you guys. category four is uncertainty. I'm trying to take some new mastermind groups and stop going to the normal real estate groupie ones out there which just usually has a bunch of newbies at it. And what's been frustrating is I can't tell who are like legit people because everybody is wearing their nicest suit and everywhere you go, it looks like the NBA Draft. So I've been trying some different mastermind groups outside of real estate and just traveling to new places meeting different people. I will be out to Huntsville earlier this month. If you guys want to come in, walk some properties with me out there, put that out to the mastermind group. I usually release my travel schedule a number five certainty to here because you always want to have certainty in your life. You can't be all like get all your comfort zone nonsense all the time. So I went to Japan last week I was in Japan and just ate a bunch of food. It's very comfortable. There. That's, that's what I did. My Christmas number six year love and connection schedule more meetings to this. I mean yesterday I talked to like eight people throughout the day but before the year gets moving and if we haven't talked before let's get on the phone and let's connect simple passive cash flow calm slash talk before the year gets busy and I don't have time for that anymore get signed up for that some resistance distraction barriers or noise that I've been dealing with, you know, with all the holidays, and I can't seem to get anything done. Everybody just wants to have dinner things like the holidays are over. Also, you guys have any friends who are interested in simple passive cash flow getting that lifestyle and you're tired of talking to them blue in the face, and they don't listen to podcasts and things silly things like that recommend the e commerce and connect us via email and then I'll pay out a referral fee. Let me do the hard work and educating and you can just have lunch with them 510 years from now when you're both retired.27:00 other random things I bought I bought this cold pressed juice subscription. I guess that's I don't I guess that's considered something where it's super easy and maybe I should probably find something harder to do but that's what I bought this month and it really buying myself any Christmas presents, unfortunately this year, but I've been reading this book, David Goggins a lot of people talk about this guy. So my good buddies, they listen to this podcast, he's kind of crazy. He does ultra marathons and he went to buds like three times if you listen to like the first chapter, it's all about his childhood how he's abused and it's actually kind of graphic and I listened to it on my audio book I don't read it's definitely shakes you up for sure. Here's a link out to that and I've got all my other recommended books if you click this link in the show notes, which is at simple passive cash flow calm slash investor letter, and then the the easter egg here is that the passive investor axillary and mastermind is in your 2020 and if you guys are interested in that, please go to simple passive cash flow calm slash journey and if you just Interested in the E course, go to simple passive cash flow calm slash e course. But maybe we have time for a couple of questions. If you are any comments about some of the news we kind of went through earlier, we can do that now. Or we can go right into the goals seminar about the recession at the beginning, what could happen with a recession and the return on the syndication, say that the recession of three years and what will change in the expected return? Well, I mean, I don't know specifically what deal you're talking about. But every deal is different, right? And that's why you can be investing in all types of things. For me, I go into investments that are producing cash flow today, so that there's a little bit of buffer there, right. And I think a lot of people, they'll have this mindset of I'm not going to invest because everybody's saying it's the top of the market cycle, right? But we don't know it could go for another four years, Trump's likely going to get reelected and this week could be on this part drunken party for another four years. You're gonna miss out you're missing out because you listen to somebody Random headline or some there's a lot of fear base articles and new and new subscriptions out there and I wouldn't get cash flow investing confused with fix and flipping real estate is all for it's all considered real estate and I think that's to me that's hot that's the difference that I see if it cash flows. That's that's a big indicator that I look for this website offers very general information concerning real estate for investment purposes every investor situation is unique. Always seek the services of licensed third party appraisers and inspectors to verify the value and condition of any property you intend to purchase. Use the services of professional title and escrow companies and licensed tax investment and or legal advisor before relying on any information contained herein information is not guaranteed as an everyday investment there is risk the content found here is just my opinion and things change and I reserve the right to change my mind. Above all else, do your own analysis and think for yourself because in the end, you're the only person who is going to look out for your best interests. See acast.com/privacy for privacy and opt-out information.

Summary: Latest news headlines and commentaryYoutube link: https://youtu.be/-pC0IK4Yp3E?sub_confirmation=1Website link: SimplePassiveCashflow.com/investorletterStart learning about real estate investing - SimplePassiveCashflow.com/startSubscribe to the Top-50 Investing Free Podcast - https://podcasts.apple.com/us/podcast/simple-passive-cashflow/id1118795347_________________________Top SimplePassiveCashflow Posts:This website has been going through daily improvements everyday since 2016. I admit things are a bit all over the place as I learn about these investments and wealth tactics.Events – SimplePassiveCashflow.com/eventsPast Projects - crowdfundaloha.com/past-projects/Simple Passive Cashflow's Investor Friend Finder!!! –SimplePassiveCashflow.com/friendsMenu of Investing Options – SimplePassiveCashflow.com/menuLaneHack – SimplePassiveCashflow.com/lanehackPassive Investor Accelerator eCourse - SimplePassiveCashflow.com/ecoursePassive Investor Accelerator eCourse & Mastermind - SimplePassiveCashflow.com/journeyCoaching – SimplePassiveCashflow.com/coachingJoin our Private Investor Club – SimplePassiveCashflow.com/clubJoin our Team – SimplePassiveCashflow.com/jointeamOur Mission – SimplePassiveCashflow.com/missionPartner Opportunity – SimplePassiveCashflow.com/partnerProducts I support – SimplePassiveCashflow.com/productsAbout Lane Kawaoka – SimplePassiveCashflow.com/about-meQuarterly Investor Updates – http://simplepassivecashflow.com/investorletterSPC YouTube Channel – https://www.youtube.com/channel/UC3cIIsGKx3osVU5rt2P0HfQReal Estate Book Recommendations – SimplePassiveCashflow.com/booksBackwards Engineering Happiness – SimplePassiveCashflow.com/happyRental Property Analyser – SimplePassiveCashflow.com/analyserVisit Lane in Hawaii – SimplePassiveCashflow.com/retreatStart Here – http://simplepassivecashflow.com/startUltimate Simple Passive Cashflow Guide to…1031 Exchanges – Simplepassivecashflow.com/1031guideNewbies – SimplePassiveCashflow.com/noobInfinite Banking – SimplePassiveCashflow.com/bankingYour Opportunity fund – SimplePassiveCashflow.com/ofundTaxes – SimplePassiveCashflow.com/taxTradelines – Simplepassivecashflow.com/tradelinesTurnkey Rental Guide: simplepassivecashflow.com/turnkeySyndication Guide – simplepassivecashflow.com/syndicationCrowdfunding – SimplePassiveCashflow.com/crowdfundingNetworking – SimplePassiveCashflow.com/peoplePrivate Money Lending – SimplePassiveCashflow.com/lendInvesting in Coffee/Cocoa – SimplePassiveCashflow.com/coffeeInvesting in Non-Preforming Notes – SimplePassiveCashflow.com/ahpRent don't buy – SimplePassiveCashflow.com/homeInvestor Fallacy: Return of Equity – SimplePassiveCashflow.com/roeHow to Calculate Investment Returns – SimplePassiveCashflow.com/returnsWhy you should break up with your Financial Planner – SimplePassiveCashflow.com/fpQuitting your job – SimplePassiveCashflow.com/quitUnknown Speaker 0:00Are you busy professional overwhelmed and misled by the stock market dogma saving and work into your 70 I like to help you out and get to know you a little bit better with a quick 15 minute strategy call. Hurry as I'm only opening my schedule for a limited time as I take it easy the rest of the holiday season and get going for a busy New Year. But good call by going to simple passiveUnknown Speaker 0:20cash flow calm slash talk.Unknown Speaker 0:22Hey guys, I'm traveling at the moment going down to the collective genius mastermind at San Diego then off the Huntsman Dallas. I'm really enjoying the real life of a professional investor without that day job. This week, you're going to be listening to my monthly market update webinar, which you can join us live by joining our email list or check out the YouTube video online. And while you're there, subscribe to our YouTube channel which we're giving away free course subscription for YouTube subscribers. Also, if you want to check out the video form of this webinar, go to simple passive cash flow comm slash investing letter aloha Maybe we'll try to rent them out. And then he became one real investor maybe you guys haven't subscribed to the podcast simple passive cash flow comm check it out. And also check out the YouTube channel. I've been getting a lot better adding more videos there to you guys want a free version of my ebook, text ebook 25873176099 and join our Facebook community if you have not already. So our first article here is Apple committing 2.5 billion toward California housing crisis. So they're saying that they will commit $2.5 billion towards efforts of solving the obvious affordable housing issue in Northern California. I used to work for a city and these are Always there's always a negotiation to give permits. That's the leverage a municipality has over big companies like this. And you know, these big companies, they would like to build infrastructure like sidewalks, curbs, and not have to do ridiculous the tension tanks under new construction and different stormwater. Anyway. The municipality has leverage over them. So this is a way that that the business of how it can kind of negotiate things for the community. And it seems like it's a Oh, it's a wonderful thing that Apple has done, but no, they probably it's a deal deal between them and the municipality just like how Google did this. And Microsoft had first hand view on what Microsoft did in their city. And this is this kind of shows failures for markets and public policy to meet the housing needs. I wouldn't want I live in Northern California, unless I had a huge tech salary. Yep, that's a, it's in the chat window cronyism. That's what you're talking about. Next article here 3019 rent growth chart here from mid November. This one they released pretty often multifamily rent growth is back and in the black, increasing $1 to an average of 1400 bucks about per month. The takeaway is that the rent growth are still happening. Class B and C investors are circling secondary, tertiary markets. And this is no secret to a lot of us simple passive capital investors targeting non primary markets for the cash flow and not having to compete with dumb money, to say the least. So there and I'm co here. It's fueled by Strong employment and a growing group of renters by choice, investor exuberance for multifamily properties is spilling over into older properties as well as secondary and tertiary markets buyer older properties and renovating them, meanwhile, can offer better returns. I think we all know this. But you know, not everybody in the world thinks like this. there on the bottom, we had a chart that I took from the last apartment.Unknown Speaker 4:30You know, those are the typical class BNC rents that you're going to see in a lot of the secondary and tertiary markets, anywhere from 550 a month, up to $800 a month. Definitely a culture shock to a lot of us that live in poverty markets where you're used to seeing houses cost 300 $400,000 or more, and paying $2,000 a month rent for a little studio. For those of you who want to kind of come back to this presentation you guys can do this later, but this is the third quarter 2019, United States multifamily capital markets, they do a good job of just running down the high level of what's kind of happening across the nation. And it's interesting to track this, each quarter that each quarter no surprise yields are compressed nine basis points, which isn't very much year over year. And that's consistent with what I'm feeling, but it's nothing like I think a lot of people are like, Oh, no, the sky is falling, and will never be able to get yield. There's yield there. The gap is closing very slow, slowly, but it's still there. But you're not buying the average. You know, they come up with this number where they average probably million deals out there. You're trying to find that one needle in the haystack and, you know, if you're patient, you'll find it rent growth. You know, just like the last publication I just mentioned, they're saying that the rent growth increased 3.2% nationally. Which is up 60 basis points over last year article about those impacting those doing Airbnb and short term rentals. Jersey City joins the push the block Airbnb, where what they're doing is they're going to borrow renters from listing the apartments on the site as well as owners who don't live on site. And this is another reason why I don't like short term rentals at all. I prefer blue collar workforce housing, long term rentals, just boring stuff. article titles multifamily rents rise as a vacancy, Titans, effective rents for institutional properties and what they mean by institutional properties are like these are the big ones typically the a class because it's easier for them to get data on this. They're saying rents grew 3.3% which is, you know, mimics kind of what we very close to what the last news source mentioned. Up 1.6% over the previous quarter. So that's almost half of the annual growth in the last quarter, which makes sense because right growth is pretty cyclical. When you get into these cold or slow months, you don't have as much demand on people moving. So that makes total sense from a logical standpoint. vacancy rates declined by 20 basis points to 5.8%, even as the apartment stock continues to expand, so they're building new units by 2% a year. More than 4400 buildings providing almost 800,000 units are currently under construction. But remember, this is Big Data comprised of the whole United States, which is insightful yet not really useful, because when you're an investor, you're trying to key in not only in a certain market but a sub market. You know, is it going To be West Irving as opposed to just the Irving Texas for example or the DFW market. I took a couple pictures here of you know, everybody loves these like the top 10 happiest city, which they said it was Miami, Florida, Oakland Austin send it to San Jose, Philadelphia, la Boston, Honolulu, Portland, San Diego. And America's top 10 dynamic cities which is San Francisco, Seattle, Denver, Aurora, Grand Prairie, Oklahoma, Fort Worth, San Jose, Atlanta, Georgia, Miami, Florida, where they get this data. I don't have a clue. Me I don't really need much into it. But people like these type of news articles and so that's why I put it in here.Unknown Speaker 8:51Other than the 27 weeks of curated content for the passive investor, the new mastermind will offer bi weekly power calls with the following format. first week of every month we will dial in on being a direct investor for simple passive cash flow 1.0 I call it which is getting your first rental negotiating sourcing operation etc. second week of every month we will discuss holistic wealth building topics or what I call simple passive cash flow two point O plus, which is holistic Wealth Management syndications private placements, tax legal lifestyle design etc. Get a sense of this forum by checking out the guide to taxes video at simple passive cash flow calm backslash tax, I'll be honest, some things I can't see the general public because it's too personal. And it's not to say bad things about others. Unless you're in the mastermind. One rule we have is what happens in the mastermind stays in the mastermind. To get in go to simple passive cash flow.com backslash journey.Unknown Speaker 9:51Don't be left out and join the day. If you'veUnknown Speaker 9:54been waiting on the sidelines. This is your moment and not to be taken by an institutionalized educationUnknown Speaker 9:59program.Unknown Speaker 10:01update on the whole China trade deal as of November 11 2019. Now the home loan started higher. But we were kind of save middle of the month when the reports came out suggesting that a delay of a phase one trade deal was about to be signed. So it was a disruption to relay to the trade citing was the reason for the rates to improve off the worst levels mid week. There was worried that both the United States and China would roll back terrorists as a deal with push through. And this push stocks to all time highs as the expensive the bonds and the home loan rates low and on the same level. They were back on July 31. When the Fed cut their rates for the first time in 10 years. co working spaces a little bit if you haven't been watching the news and heard about headlines About the company we work. But essentially, if you read between the lines and here's my summary of the whole thing, we work along with many other tech companies, their venture capital, and they have a lot of money backing them, which can power a lot of marketing and make a company look good. But like in any business, if you don't have organic marketing, to create new customers for you, your business will likely fail. It just matter depends on how much artificial capital you can burn up to keep this thing going. And just like any business, you have to kind of feed the beast until you kind of take off and go on your own. But we work they kind of got to a point where they realize that they weren't making money doing this and then they had a another infusion of cash. Here of sort of the percentage of CO working spaces on a graph. I'm still less than 4% even in Manhattan, and where the mark the vacancy rates are. For those real estate usage, the trend line is showing the higher amount of vacancy. The lower amount of percent coworking. So New York, Manhattan, Brooklyn, they have a low vacancy rate, which means a high demand. And that's why they have more percent of CO working space. But most of these, these cities follow the trend line. I'm not really too many outliers here. More than half of the world's richest investors see a big market dip drop in 2020. So the UPS survey and this is from the good old CNBC news station, whether that's good or bad or not. So they're saying they surveyed 3400 high net worth investors How they got those people? And what the heck kind of high net worth investors are going to sit on the phone for four minutes and answer surveys My other question, but they said 55% of respondents expected a significant drop in the market at some point in 2020. And they also said that the super rich have increased their cash holdings to 25% of their average assets. Put this in here mainly to kind of show people a little measuring stick, like you have high net worth investors or people here, maybe. And they're still not sitting on any more than a quarter of their net worth in cash. And here's my message if you're not rich, if your net worth is under $1 million, $1 million is really not that money. And oftentimes, I see those under $1 million net worth sitting on a large huge majority like almost 75% money in cash or stuck in lazy debt equity in their home or other rental properties paid off. I mean, you would think it'd be the opposite right high net worth investors should have more cash on hand because they have you know, they don't need to get yield, they don't need cash flow to eat, eat from that was my takeaway that 25% level for cash flow sitting on the sidelines from some random survey of of high net worth people. Me I'm kind of more like, I don't know like 10% or something like I invest aggressively maybe part of that is because I feel like I have good deal flow. But I invest in majority cash flowing investments that are cash flowing today.Unknown Speaker 14:50So this next chart here is taken from Arbor who is a direct Fannie Mae Freddie Mac lender. Orange graph is showing the court debt which is going up. And the household debt which peaked in 2008 2009, obviously, is on the decline, which is, in my opinion a good thing. This is similar to the levels of two top 2000 were corporate debt was at 46% ish. And household debt was a little over 70% hill-wood to develop a 1 million square foot Amazon fulfillment center in North Mississippi, put this in here as just a you know a lot of people they look at all these headlines of this building going into Seattle or this building going in San Francisco, frankly don't really care about any of this stuff I look at more of these type of articles here is like a class and choke campus going in. Next, the US Highway 78. More importantly next BNSF and Norfolk Southern Railroad lines. This is a similar play to people going into Memphis for the old FedEx and UPS, transit hubs. You know, these days you're looking for yield you can't really go to secondary markets your Kansas City's your Memphis says because they've been picked over since 2012 2016. You've really got to kind of go into these more tertiary markets that nobody ever really is talking about. Not saying that this is a good market to invest in, but maybe look into some of these market like in northern Mississippi. Again, it is in DeSoto County CBR he industry preps for the new Eb five regulations. So those of you who aren't aware of Eb five, this is the old way to if you're International, you want to become a US citizen. Well, you can pay to play because we'll take your money and we'll give you citizenship so we can get money. You have to invest in an asset that My understanding is that it helps the United States economic or its benefits America, I see it as sort of like a donation in a way to get citizenship. But they used to be, they're going to increase the target that you you're supposed to put up from $500,000 to $900,000. And it's supposed to pace inflation. And the standard minimum investment will rise by the same percentage going from 1 million to $1.8 million. So I've heard of a lot of people coming into the country this way. Again, a lot of the international money people coming in, they're not the 1% of their country. They're like the point 01 percent. So just plunking down a million dollars on something like that is think about it if you're going to the airport, and you want the Fast Pass, but the Fast Pass is way better. But it was 10 times the price and money was no object to you, you do it. These charts are talking about millennial renters. They ask these millennials, why do you expect to always rent? And some of the excuses? I mean, some of the the reasons where I can't afford to buy a house was 69%. The next one is I like the flexibility that renting provides. Third with 37% is I prefer to avoid maintenance and edit costs. And then last summer was buying a phone is financially risky. And then they asked millennials who plan to buy your house. Why are you waiting? What's your excuse? And 70% said I can't afford to buy right now. 33% said I'm not ready to settle down yet. 24% said I'm waiting to get married probably to share the costs and the Then there's another chart that they put in here and they split up the different demographics. Not going to go into that you guys can check that out later by going to simple passive cash flow, comm slash investor letter. And you guys can download these slides there.Unknown Speaker 19:17Those are the news articles I dug up this month. Here are the new simple passive cash flow articles and podcasts that I created this month. The first one was a lot of my investors, they they might be totally on board with financial freedom and investing in alternative assets but they may have a reluctant spouse in an In fact, this is in most cases call this reluctant spouse syndrome. So I pinged and surveyed a few people in my tribe and put down some useful tips on how to get your spouse on board. possibly create some kind of Midway there, too. You guys can check out that article at simple passive cash flow comm slash spouse. I'm starting to build a legal guide just like the tax guide, tax guide you can find a simple passive cash flow calm slash tax. But this legal guide that I've been creating a simple passive cash flow comm slash legal. I'm not a tax attorney I'm not a CPA, I'm not a lawyer. But here are some notes that I've been keeping for myself that you guys can also review I have my last rental property on the market and I am showcasing what's happening with that one at simple passive cash flow calm slash A l four l for because it's in Alabama and it was my fourth rental in Alabama. I interviewed at least it's on you guys can check out that interview there. Also I interviewed a doctor who is doing short term rentals. And if you're a doctor, I would go to that simple passive cash flow. COMM slash doctor and there's all other tidbits and thoughts for doctors and you know if you're a new Doctor, what are some tips to for financial freedom there and and other mindsets even if you're probably a higher paid profession I would recommend checking that out. For those of you who are still buying turnkeys we did a webinar last week where we talked about the mortgage lending requirements in 2020. And moving forward with Graham can check that out simple passive cash flow comm slash turnkey. The E course went live on Black Friday for those of you who took advantage of the that special launch pricing. It's that simple passive cash flow calm slash e course. And if you guys buy that we can credit back to the price you paid if you choose to go into the mastermind, at any point, we currently have 55 members in there. We do bi weekly zoom calls, we do networking similar to how we kick this meeting off here. Great way to get around. accredited investors quick going to The local Ria or the free Facebook group. So the forums, you're just going to find a bunch of book people there. And I launched the new investor portal for those of you who are in deals with me to access it, you have to create a login, then you can access to all the monthly updates there just in case you miss an email. Once we all get a lot of emails these days, and if you guys want to sign up, go to the website, and you create a join the deal club, you guys get access to the first three modules of the E course those of you who are not verified with me and haven't set up a call with me yet. After you do that, you can get access to the past do webinars to review and further your learning. They're just going to go over some updates that I've been doing personally. Man November was a quick month so I think put this down really quickly. I've had a little bit of downtime to plan for 2020 I'm starting to make key hires to help the group and simple passive cash flow, notably a membership director for the mastermind group. So what we're doing now is we're going through all the members and kind of building a little matrix and who's doing what, who we can connect with who, and then we're going to kind of forced the matchmaking to happen. contribution. I felt like the whole addressing this reluctant spouse syndrome was a big issue I needed to sort of help people with. The graphic I have on screen is what we're all trying to avoid. This guy was wearing like one of those Apple watches and it just happened to be the day that he got fired. So about 10 o'clock, he got the news that he got laid off his beats per minute, went up spiked up 220 from a resting heart rate of 85. It kinda went down. He had a meeting with HR Little around two o'clock and it spiked toUnknown Speaker 24:04110. And then he left work at 530 went right back up as probably he went home because he didn't want to tell a spouse, that his supposedly job that was keeping their family alive was no more. And then he went to bed at 110 beats per minute. So you don't want that to happen. And that's why you invest in alternative assets and you do something that everybody else doesn't do. Not because it's going to create the future one, but it's going to avoid situations like this. And maybe that's the pain that willingness pain will speak to you more than the financial rewards. Some cool things that I get to talk about here, my significant slide, I counted up the real estate control $216 million. Guess that's almost a quarter billion 3000 units or so 24 million diverted from Wall Street from Other passive investors in the squee. So we are currently up to 226 live investors today.Unknown Speaker 25:10Thank you, for especially you guys have been waiting for quite a few deals. This next side is uncertainty because you're always trying to find ways to make things a little bit a surprise in life as I'm planning 2020 for myself, I made it a goal not to go to real estate events where I know everybody and it's like cheers and everybody knows my name. And I don't have to get out my comfort zone. Because everybody already knows me. I'm going to go to start to go to more private entrepreneur type of events where nobody knows me and different coaching groups just do something a little bit different way I'm going to get certainty in my life. I'm starting to look at like doing asset management, taking that over from a third party and some of our deals and doing this in house. I don't know why I didn't do this in the past. Maybe because I didn't like doing it as a job as a project manager, but I'm sick and tired of seeing these accountants or computer programmers or non professionals be project managers when this is exactly what I did at my job for 10 years. And maybe even though I didn't like it, or I didn't think I was that good, I can do a lot better than all these amateurs. What I did for relationships and connections and love, I took my wife out, and we use the hundred dollar gift card that somebody gave us. It took some time for that. So I'm always trying to identify what is the resistance in my business in my life, and try and eliminate those. And we had a webinar in our mastermind going over INTERNATIONAL TRUST. And if you think LLCs and two layers LLC are cool, this is going to blow your mind. It's all about getting over charging order protection. This fraudulent conveyance much better Domestic trust. Again I have a lot of those notes and simple passive cash flow calm slash legal. You guys want to check it out and and part of this is like there's no worse feeling than being in a lawsuit and even if it's a stupid one, that somebody else can control your assets and do like a charging order, which is basically freeze your stuff and stop your ability to find future deals, or even getting a home loan for yourself or you maybe even getting a credit card. Creating complex events, legal entities is a way of getting some leverage in those situations. And for me, it's money well spent. Other other frivolous things. I think my coffee sucks. I'm going to stop using that key cup after my lot of 144 remaining k cup pods are gone. Probably gonna get one of those $50 special machines and Thanksgiving is always tough for me because I don't like to hear about people's jobs because is most times is people complaining all the time. My attitude is if you don't like your job then do something about it. Thanksgiving is over, thankfully. And Christmas is here and I bought myself some air pots. These are finally the good ones actually stay in New Year. And gunk doesn't get stuck inside of them. Some lessons learned I'm reading. Well, I just finished this last night The Richest Man in Babylon. A lot of people have recommended this book to me in the past for the first couple of chapters, there was a big takeaway. It was like this really rich guy, he's he's teaching this this younger guy who's not rich at all like a man How do I get rich and then the old guy tells them put aside 10% of your money and go and buy assets or go into deals that make you money. One of the first deals he goes into he goes to like the blacksmith who's going to buy like spices from wherever. And then the old man is like, all right, well, that's cool. Like Yeah, that can possibly make you money for why the hell are you investing with the blacksmith that doesn't know anything about spices? And then you know, that's the lesson learned the guy didn't make any money. But eventually he moves and he goes into a better deal. And now he starts to see the this proven concept. And at that point, after I read like the first 10 minutes of this book, it's written in Old English, sort of like the Bible, and it totally puts me to sleep, which is why I didn't get anything out of the book, and I eventually gave up on it. But now I can say I read it now when people talk about it, because they get the gist of it. Well, thanks for joining. And we'll see you guys next month on another monthly update right?Unknown Speaker 30:01This website offers very general information concerning real estate for investment purposes every investor situation is unique. Always seek the services of licensed third party appraisers and inspectors to verify the valuing condition of any property you intend to purchase. Use the services of professional title and escrow companies and licensed tax investment and or legal advisor before relying on any information contained herein information is not guaranteed as an every investment there is risk. The content found here is just my opinion and things change and I reserve the right to change my mind. Above all else, do your own analysis and think for yourself because in the end, you're the only person who is going to look out for your best interests. See acast.com/privacy for privacy and opt-out information.

Summary: Latest news headlines and commentaryYoutube link: https://youtu.be/-pC0IK4Yp3E?sub_confirmation=1Website link: SimplePassiveCashflow.com/investorletterStart learning about real estate investing - SimplePassiveCashflow.com/startSubscribe to the Top-50 Investing Free Podcast - https://podcasts.apple.com/us/podcast/simple-passive-cashflow/id1118795347_________________________Top SimplePassiveCashflow Posts:This website has been going through daily improvements everyday since 2016. I admit things are a bit all over the place as I learn about these investments and wealth tactics.Events – SimplePassiveCashflow.com/eventsPast Projects - crowdfundaloha.com/past-projects/Simple Passive Cashflow’s Investor Friend Finder!!! –SimplePassiveCashflow.com/friendsMenu of Investing Options – SimplePassiveCashflow.com/menuLaneHack – SimplePassiveCashflow.com/lanehackPassive Investor Accelerator eCourse - SimplePassiveCashflow.com/ecoursePassive Investor Accelerator eCourse & Mastermind - SimplePassiveCashflow.com/journeyCoaching – SimplePassiveCashflow.com/coachingJoin our Private Investor Club – SimplePassiveCashflow.com/clubJoin our Team – SimplePassiveCashflow.com/jointeamOur Mission – SimplePassiveCashflow.com/missionPartner Opportunity – SimplePassiveCashflow.com/partnerProducts I support – SimplePassiveCashflow.com/productsAbout Lane Kawaoka – SimplePassiveCashflow.com/about-meQuarterly Investor Updates – http://simplepassivecashflow.com/investorletterSPC YouTube Channel – https://www.youtube.com/channel/UC3cIIsGKx3osVU5rt2P0HfQReal Estate Book Recommendations – SimplePassiveCashflow.com/booksBackwards Engineering Happiness – SimplePassiveCashflow.com/happyRental Property Analyser – SimplePassiveCashflow.com/analyserVisit Lane in Hawaii – SimplePassiveCashflow.com/retreatStart Here – http://simplepassivecashflow.com/startUltimate Simple Passive Cashflow Guide to…1031 Exchanges – Simplepassivecashflow.com/1031guideNewbies – SimplePassiveCashflow.com/noobInfinite Banking – SimplePassiveCashflow.com/bankingYour Opportunity fund – SimplePassiveCashflow.com/ofundTaxes – SimplePassiveCashflow.com/taxTradelines – Simplepassivecashflow.com/tradelinesTurnkey Rental Guide: simplepassivecashflow.com/turnkeySyndication Guide – simplepassivecashflow.com/syndicationCrowdfunding – SimplePassiveCashflow.com/crowdfundingNetworking – SimplePassiveCashflow.com/peoplePrivate Money Lending – SimplePassiveCashflow.com/lendInvesting in Coffee/Cocoa – SimplePassiveCashflow.com/coffeeInvesting in Non-Preforming Notes – SimplePassiveCashflow.com/ahpRent don’t buy – SimplePassiveCashflow.com/homeInvestor Fallacy: Return of Equity – SimplePassiveCashflow.com/roeHow to Calculate Investment Returns – SimplePassiveCashflow.com/returnsWhy you should break up with your Financial Planner – SimplePassiveCashflow.com/fpQuitting your job – SimplePassiveCashflow.com/quitUnknown Speaker 0:00Are you busy professional overwhelmed and misled by the stock market dogma saving and work into your 70 I like to help you out and get to know you a little bit better with a quick 15 minute strategy call. Hurry as I'm only opening my schedule for a limited time as I take it easy the rest of the holiday season and get going for a busy New Year. But good call by going to simple passiveUnknown Speaker 0:20cash flow calm slash talk.Unknown Speaker 0:22Hey guys, I'm traveling at the moment going down to the collective genius mastermind at San Diego then off the Huntsman Dallas. I'm really enjoying the real life of a professional investor without that day job. This week, you're going to be listening to my monthly market update webinar, which you can join us live by joining our email list or check out the YouTube video online. And while you're there, subscribe to our YouTube channel which we're giving away free course subscription for YouTube subscribers. Also, if you want to check out the video form of this webinar, go to simple passive cash flow comm slash investing letter aloha Maybe we'll try to rent them out. And then he became one real investor maybe you guys haven't subscribed to the podcast simple passive cash flow comm check it out. And also check out the YouTube channel. I've been getting a lot better adding more videos there to you guys want a free version of my ebook, text ebook 25873176099 and join our Facebook community if you have not already. So our first article here is Apple committing 2.5 billion toward California housing crisis. So they're saying that they will commit $2.5 billion towards efforts of solving the obvious affordable housing issue in Northern California. I used to work for a city and these are Always there's always a negotiation to give permits. That's the leverage a municipality has over big companies like this. And you know, these big companies, they would like to build infrastructure like sidewalks, curbs, and not have to do ridiculous the tension tanks under new construction and different stormwater. Anyway. The municipality has leverage over them. So this is a way that that the business of how it can kind of negotiate things for the community. And it seems like it's a Oh, it's a wonderful thing that Apple has done, but no, they probably it's a deal deal between them and the municipality just like how Google did this. And Microsoft had first hand view on what Microsoft did in their city. And this is this kind of shows failures for markets and public policy to meet the housing needs. I wouldn't want I live in Northern California, unless I had a huge tech salary. Yep, that's a, it's in the chat window cronyism. That's what you're talking about. Next article here 3019 rent growth chart here from mid November. This one they released pretty often multifamily rent growth is back and in the black, increasing $1 to an average of 1400 bucks about per month. The takeaway is that the rent growth are still happening. Class B and C investors are circling secondary, tertiary markets. And this is no secret to a lot of us simple passive capital investors targeting non primary markets for the cash flow and not having to compete with dumb money, to say the least. So there and I'm co here. It's fueled by Strong employment and a growing group of renters by choice, investor exuberance for multifamily properties is spilling over into older properties as well as secondary and tertiary markets buyer older properties and renovating them, meanwhile, can offer better returns. I think we all know this. But you know, not everybody in the world thinks like this. there on the bottom, we had a chart that I took from the last apartment.Unknown Speaker 4:30You know, those are the typical class BNC rents that you're going to see in a lot of the secondary and tertiary markets, anywhere from 550 a month, up to $800 a month. Definitely a culture shock to a lot of us that live in poverty markets where you're used to seeing houses cost 300 $400,000 or more, and paying $2,000 a month rent for a little studio. For those of you who want to kind of come back to this presentation you guys can do this later, but this is the third quarter 2019, United States multifamily capital markets, they do a good job of just running down the high level of what's kind of happening across the nation. And it's interesting to track this, each quarter that each quarter no surprise yields are compressed nine basis points, which isn't very much year over year. And that's consistent with what I'm feeling, but it's nothing like I think a lot of people are like, Oh, no, the sky is falling, and will never be able to get yield. There's yield there. The gap is closing very slow, slowly, but it's still there. But you're not buying the average. You know, they come up with this number where they average probably million deals out there. You're trying to find that one needle in the haystack and, you know, if you're patient, you'll find it rent growth. You know, just like the last publication I just mentioned, they're saying that the rent growth increased 3.2% nationally. Which is up 60 basis points over last year article about those impacting those doing Airbnb and short term rentals. Jersey City joins the push the block Airbnb, where what they're doing is they're going to borrow renters from listing the apartments on the site as well as owners who don't live on site. And this is another reason why I don't like short term rentals at all. I prefer blue collar workforce housing, long term rentals, just boring stuff. article titles multifamily rents rise as a vacancy, Titans, effective rents for institutional properties and what they mean by institutional properties are like these are the big ones typically the a class because it's easier for them to get data on this. They're saying rents grew 3.3% which is, you know, mimics kind of what we very close to what the last news source mentioned. Up 1.6% over the previous quarter. So that's almost half of the annual growth in the last quarter, which makes sense because right growth is pretty cyclical. When you get into these cold or slow months, you don't have as much demand on people moving. So that makes total sense from a logical standpoint. vacancy rates declined by 20 basis points to 5.8%, even as the apartment stock continues to expand, so they're building new units by 2% a year. More than 4400 buildings providing almost 800,000 units are currently under construction. But remember, this is Big Data comprised of the whole United States, which is insightful yet not really useful, because when you're an investor, you're trying to key in not only in a certain market but a sub market. You know, is it going To be West Irving as opposed to just the Irving Texas for example or the DFW market. I took a couple pictures here of you know, everybody loves these like the top 10 happiest city, which they said it was Miami, Florida, Oakland Austin send it to San Jose, Philadelphia, la Boston, Honolulu, Portland, San Diego. And America's top 10 dynamic cities which is San Francisco, Seattle, Denver, Aurora, Grand Prairie, Oklahoma, Fort Worth, San Jose, Atlanta, Georgia, Miami, Florida, where they get this data. I don't have a clue. Me I don't really need much into it. But people like these type of news articles and so that's why I put it in here.Unknown Speaker 8:51Other than the 27 weeks of curated content for the passive investor, the new mastermind will offer bi weekly power calls with the following format. first week of every month we will dial in on being a direct investor for simple passive cash flow 1.0 I call it which is getting your first rental negotiating sourcing operation etc. second week of every month we will discuss holistic wealth building topics or what I call simple passive cash flow two point O plus, which is holistic Wealth Management syndications private placements, tax legal lifestyle design etc. Get a sense of this forum by checking out the guide to taxes video at simple passive cash flow calm backslash tax, I'll be honest, some things I can't see the general public because it's too personal. And it's not to say bad things about others. Unless you're in the mastermind. One rule we have is what happens in the mastermind stays in the mastermind. To get in go to simple passive cash flow.com backslash journey.Unknown Speaker 9:51Don't be left out and join the day. If you'veUnknown Speaker 9:54been waiting on the sidelines. This is your moment and not to be taken by an institutionalized educationUnknown Speaker 9:59program.Unknown Speaker 10:01update on the whole China trade deal as of November 11 2019. Now the home loan started higher. But we were kind of save middle of the month when the reports came out suggesting that a delay of a phase one trade deal was about to be signed. So it was a disruption to relay to the trade citing was the reason for the rates to improve off the worst levels mid week. There was worried that both the United States and China would roll back terrorists as a deal with push through. And this push stocks to all time highs as the expensive the bonds and the home loan rates low and on the same level. They were back on July 31. When the Fed cut their rates for the first time in 10 years. co working spaces a little bit if you haven't been watching the news and heard about headlines About the company we work. But essentially, if you read between the lines and here's my summary of the whole thing, we work along with many other tech companies, their venture capital, and they have a lot of money backing them, which can power a lot of marketing and make a company look good. But like in any business, if you don't have organic marketing, to create new customers for you, your business will likely fail. It just matter depends on how much artificial capital you can burn up to keep this thing going. And just like any business, you have to kind of feed the beast until you kind of take off and go on your own. But we work they kind of got to a point where they realize that they weren't making money doing this and then they had a another infusion of cash. Here of sort of the percentage of CO working spaces on a graph. I'm still less than 4% even in Manhattan, and where the mark the vacancy rates are. For those real estate usage, the trend line is showing the higher amount of vacancy. The lower amount of percent coworking. So New York, Manhattan, Brooklyn, they have a low vacancy rate, which means a high demand. And that's why they have more percent of CO working space. But most of these, these cities follow the trend line. I'm not really too many outliers here. More than half of the world's richest investors see a big market dip drop in 2020. So the UPS survey and this is from the good old CNBC news station, whether that's good or bad or not. So they're saying they surveyed 3400 high net worth investors How they got those people? And what the heck kind of high net worth investors are going to sit on the phone for four minutes and answer surveys My other question, but they said 55% of respondents expected a significant drop in the market at some point in 2020. And they also said that the super rich have increased their cash holdings to 25% of their average assets. Put this in here mainly to kind of show people a little measuring stick, like you have high net worth investors or people here, maybe. And they're still not sitting on any more than a quarter of their net worth in cash. And here's my message if you're not rich, if your net worth is under $1 million, $1 million is really not that money. And oftentimes, I see those under $1 million net worth sitting on a large huge majority like almost 75% money in cash or stuck in lazy debt equity in their home or other rental properties paid off. I mean, you would think it'd be the opposite right high net worth investors should have more cash on hand because they have you know, they don't need to get yield, they don't need cash flow to eat, eat from that was my takeaway that 25% level for cash flow sitting on the sidelines from some random survey of of high net worth people. Me I'm kind of more like, I don't know like 10% or something like I invest aggressively maybe part of that is because I feel like I have good deal flow. But I invest in majority cash flowing investments that are cash flowing today.Unknown Speaker 14:50So this next chart here is taken from Arbor who is a direct Fannie Mae Freddie Mac lender. Orange graph is showing the court debt which is going up. And the household debt which peaked in 2008 2009, obviously, is on the decline, which is, in my opinion a good thing. This is similar to the levels of two top 2000 were corporate debt was at 46% ish. And household debt was a little over 70% hill-wood to develop a 1 million square foot Amazon fulfillment center in North Mississippi, put this in here as just a you know a lot of people they look at all these headlines of this building going into Seattle or this building going in San Francisco, frankly don't really care about any of this stuff I look at more of these type of articles here is like a class and choke campus going in. Next, the US Highway 78. More importantly next BNSF and Norfolk Southern Railroad lines. This is a similar play to people going into Memphis for the old FedEx and UPS, transit hubs. You know, these days you're looking for yield you can't really go to secondary markets your Kansas City's your Memphis says because they've been picked over since 2012 2016. You've really got to kind of go into these more tertiary markets that nobody ever really is talking about. Not saying that this is a good market to invest in, but maybe look into some of these market like in northern Mississippi. Again, it is in DeSoto County CBR he industry preps for the new Eb five regulations. So those of you who aren't aware of Eb five, this is the old way to if you're International, you want to become a US citizen. Well, you can pay to play because we'll take your money and we'll give you citizenship so we can get money. You have to invest in an asset that My understanding is that it helps the United States economic or its benefits America, I see it as sort of like a donation in a way to get citizenship. But they used to be, they're going to increase the target that you you're supposed to put up from $500,000 to $900,000. And it's supposed to pace inflation. And the standard minimum investment will rise by the same percentage going from 1 million to $1.8 million. So I've heard of a lot of people coming into the country this way. Again, a lot of the international money people coming in, they're not the 1% of their country. They're like the point 01 percent. So just plunking down a million dollars on something like that is think about it if you're going to the airport, and you want the Fast Pass, but the Fast Pass is way better. But it was 10 times the price and money was no object to you, you do it. These charts are talking about millennial renters. They ask these millennials, why do you expect to always rent? And some of the excuses? I mean, some of the the reasons where I can't afford to buy a house was 69%. The next one is I like the flexibility that renting provides. Third with 37% is I prefer to avoid maintenance and edit costs. And then last summer was buying a phone is financially risky. And then they asked millennials who plan to buy your house. Why are you waiting? What's your excuse? And 70% said I can't afford to buy right now. 33% said I'm not ready to settle down yet. 24% said I'm waiting to get married probably to share the costs and the Then there's another chart that they put in here and they split up the different demographics. Not going to go into that you guys can check that out later by going to simple passive cash flow, comm slash investor letter. And you guys can download these slides there.Unknown Speaker 19:17Those are the news articles I dug up this month. Here are the new simple passive cash flow articles and podcasts that I created this month. The first one was a lot of my investors, they they might be totally on board with financial freedom and investing in alternative assets but they may have a reluctant spouse in an In fact, this is in most cases call this reluctant spouse syndrome. So I pinged and surveyed a few people in my tribe and put down some useful tips on how to get your spouse on board. possibly create some kind of Midway there, too. You guys can check out that article at simple passive cash flow comm slash spouse. I'm starting to build a legal guide just like the tax guide, tax guide you can find a simple passive cash flow calm slash tax. But this legal guide that I've been creating a simple passive cash flow comm slash legal. I'm not a tax attorney I'm not a CPA, I'm not a lawyer. But here are some notes that I've been keeping for myself that you guys can also review I have my last rental property on the market and I am showcasing what's happening with that one at simple passive cash flow calm slash A l four l for because it's in Alabama and it was my fourth rental in Alabama. I interviewed at least it's on you guys can check out that interview there. Also I interviewed a doctor who is doing short term rentals. And if you're a doctor, I would go to that simple passive cash flow. COMM slash doctor and there's all other tidbits and thoughts for doctors and you know if you're a new Doctor, what are some tips to for financial freedom there and and other mindsets even if you're probably a higher paid profession I would recommend checking that out. For those of you who are still buying turnkeys we did a webinar last week where we talked about the mortgage lending requirements in 2020. And moving forward with Graham can check that out simple passive cash flow comm slash turnkey. The E course went live on Black Friday for those of you who took advantage of the that special launch pricing. It's that simple passive cash flow calm slash e course. And if you guys buy that we can credit back to the price you paid if you choose to go into the mastermind, at any point, we currently have 55 members in there. We do bi weekly zoom calls, we do networking similar to how we kick this meeting off here. Great way to get around. accredited investors quick going to The local Ria or the free Facebook group. So the forums, you're just going to find a bunch of book people there. And I launched the new investor portal for those of you who are in deals with me to access it, you have to create a login, then you can access to all the monthly updates there just in case you miss an email. Once we all get a lot of emails these days, and if you guys want to sign up, go to the website, and you create a join the deal club, you guys get access to the first three modules of the E course those of you who are not verified with me and haven't set up a call with me yet. After you do that, you can get access to the past do webinars to review and further your learning. They're just going to go over some updates that I've been doing personally. Man November was a quick month so I think put this down really quickly. I've had a little bit of downtime to plan for 2020 I'm starting to make key hires to help the group and simple passive cash flow, notably a membership director for the mastermind group. So what we're doing now is we're going through all the members and kind of building a little matrix and who's doing what, who we can connect with who, and then we're going to kind of forced the matchmaking to happen. contribution. I felt like the whole addressing this reluctant spouse syndrome was a big issue I needed to sort of help people with. The graphic I have on screen is what we're all trying to avoid. This guy was wearing like one of those Apple watches and it just happened to be the day that he got fired. So about 10 o'clock, he got the news that he got laid off his beats per minute, went up spiked up 220 from a resting heart rate of 85. It kinda went down. He had a meeting with HR Little around two o'clock and it spiked toUnknown Speaker 24:04110. And then he left work at 530 went right back up as probably he went home because he didn't want to tell a spouse, that his supposedly job that was keeping their family alive was no more. And then he went to bed at 110 beats per minute. So you don't want that to happen. And that's why you invest in alternative assets and you do something that everybody else doesn't do. Not because it's going to create the future one, but it's going to avoid situations like this. And maybe that's the pain that willingness pain will speak to you more than the financial rewards. Some cool things that I get to talk about here, my significant slide, I counted up the real estate control $216 million. Guess that's almost a quarter billion 3000 units or so 24 million diverted from Wall Street from Other passive investors in the squee. So we are currently up to 226 live investors today.Unknown Speaker 25:10Thank you, for especially you guys have been waiting for quite a few deals. This next side is uncertainty because you're always trying to find ways to make things a little bit a surprise in life as I'm planning 2020 for myself, I made it a goal not to go to real estate events where I know everybody and it's like cheers and everybody knows my name. And I don't have to get out my comfort zone. Because everybody already knows me. I'm going to go to start to go to more private entrepreneur type of events where nobody knows me and different coaching groups just do something a little bit different way I'm going to get certainty in my life. I'm starting to look at like doing asset management, taking that over from a third party and some of our deals and doing this in house. I don't know why I didn't do this in the past. Maybe because I didn't like doing it as a job as a project manager, but I'm sick and tired of seeing these accountants or computer programmers or non professionals be project managers when this is exactly what I did at my job for 10 years. And maybe even though I didn't like it, or I didn't think I was that good, I can do a lot better than all these amateurs. What I did for relationships and connections and love, I took my wife out, and we use the hundred dollar gift card that somebody gave us. It took some time for that. So I'm always trying to identify what is the resistance in my business in my life, and try and eliminate those. And we had a webinar in our mastermind going over INTERNATIONAL TRUST. And if you think LLCs and two layers LLC are cool, this is going to blow your mind. It's all about getting over charging order protection. This fraudulent conveyance much better Domestic trust. Again I have a lot of those notes and simple passive cash flow calm slash legal. You guys want to check it out and and part of this is like there's no worse feeling than being in a lawsuit and even if it's a stupid one, that somebody else can control your assets and do like a charging order, which is basically freeze your stuff and stop your ability to find future deals, or even getting a home loan for yourself or you maybe even getting a credit card. Creating complex events, legal entities is a way of getting some leverage in those situations. And for me, it's money well spent. Other other frivolous things. I think my coffee sucks. I'm going to stop using that key cup after my lot of 144 remaining k cup pods are gone. Probably gonna get one of those $50 special machines and Thanksgiving is always tough for me because I don't like to hear about people's jobs because is most times is people complaining all the time. My attitude is if you don't like your job then do something about it. Thanksgiving is over, thankfully. And Christmas is here and I bought myself some air pots. These are finally the good ones actually stay in New Year. And gunk doesn't get stuck inside of them. Some lessons learned I'm reading. Well, I just finished this last night The Richest Man in Babylon. A lot of people have recommended this book to me in the past for the first couple of chapters, there was a big takeaway. It was like this really rich guy, he's he's teaching this this younger guy who's not rich at all like a man How do I get rich and then the old guy tells them put aside 10% of your money and go and buy assets or go into deals that make you money. One of the first deals he goes into he goes to like the blacksmith who's going to buy like spices from wherever. And then the old man is like, all right, well, that's cool. Like Yeah, that can possibly make you money for why the hell are you investing with the blacksmith that doesn't know anything about spices? And then you know, that's the lesson learned the guy didn't make any money. But eventually he moves and he goes into a better deal. And now he starts to see the this proven concept. And at that point, after I read like the first 10 minutes of this book, it's written in Old English, sort of like the Bible, and it totally puts me to sleep, which is why I didn't get anything out of the book, and I eventually gave up on it. But now I can say I read it now when people talk about it, because they get the gist of it. Well, thanks for joining. And we'll see you guys next month on another monthly update right?Unknown Speaker 30:01This website offers very general information concerning real estate for investment purposes every investor situation is unique. Always seek the services of licensed third party appraisers and inspectors to verify the valuing condition of any property you intend to purchase. Use the services of professional title and escrow companies and licensed tax investment and or legal advisor before relying on any information contained herein information is not guaranteed as an every investment there is risk. The content found here is just my opinion and things change and I reserve the right to change my mind. Above all else, do your own analysis and think for yourself because in the end, you're the only person who is going to look out for your best interests. See acast.com/privacy for privacy and opt-out information.

Jason Hartman and Adam join forces today to discuss a big development in the mortgage market. Fannie Mae/Freddie Mac conforming loan limits are being increased again, this time to over $510,000, which will have substantial impacts on the housing market overall. Later, Adam talks with one of the network lenders about where interest rates are today and what a weakening economy in 2020 might put them in a few months. Key Takeaways: [2:11] Fannie Mae and Freddie Mac are increasing the conforming loan size to over $510,000 [7:03] Conforming loan limit increases generally lead to home price inflation [10:54] The higher loan limit might impact hybrid markets more than cyclical [14:57] Insights from Voxer messages left by listeners [18:33] Technology is increasing the value of our properties Adam Mortgage Minutes: [24:57] Current rates for a $100,000 property with 20 or 25% down [28:22] How might rates react if we see weakening in the economy that some are predicting in 2020? [30:08] Mortgage starts don't seem to be slowing down for investors Website: www.JasonHartman.com/Properties

Jason Hartman and Adam join forces today to discuss a big development in the mortgage market. Fannie Mae/Freddie Mac conforming loan limits are being increased again, this time to over $510,000, which will have substantial impacts on the housing market overall. Later, Adam talks with one of the network lenders about where interest rates are today and what a weakening economy in 2020 might put them in a few months. Key Takeaways: [2:11] Fannie Mae and Freddie Mac are increasing the conforming loan size to over $510,000 [7:03] Conforming loan limit increases generally lead to home price inflation [10:54] The higher loan limit might impact hybrid markets more than cyclical [14:57] Insights from Voxer messages left by listeners [18:33] Technology is increasing the value of our properties Adam Mortgage Minutes: [24:57] Current rates for a $100,000 property with 20 or 25% down [28:22] How might rates react if we see weakening in the economy that some are predicting in 2020? [30:08] Mortgage starts don't seem to be slowing down for investors Website: www.JasonHartman.com/Properties

Blake Janover of Janover Ventures a Commercial Real Estate Capital Markets company and Realty Speak® host Bill Weidner talk pre and post the 2008 financial crisis while helping you count the ways you can execute the finance of new multifamily development and existing apartment housing anywhere in the USA. This straightforward discussion will guide you along Blake's personal entrepreneurial journey and his love affair with all things lending. Great insights and info - you do not want to miss a word.

Blake Janover of Janover Ventures a Commercial Real Estate Capital Markets company and Realty Speak® host Bill Weidner talk pre and post the 2008 financial crisis while helping you count the ways you can execute the finance of new multifamily development and existing apartment housing anywhere in the USA. This straightforward discussion will guide you along Blake’s personal entrepreneurial journey and his love affair with all things lending. Great insights and info - you do not want to miss a word.

COINSPlus, Inc. Spokane (509) 444-0044 3201 N. Division St., Spokane, WA 99207 CONTACT COINSPlus to Protect Your Assets with Precious Metals Now!!!   The World’s economic & political condition underwent a permanent change of course on Sept. 11TH, 2001.   The problem is escalating towards an imminent economic & financial collapse at an exponentially increasing pace.   Successful financial experts are rapidly abandoning the paper investments of yesteryear for the immediate assurance of wealth and capital preservation provided by the timeless security & performance of Precious Metals.   Precious Metals have always been the pinnacle form of real money or true wealth in every civilized society.   Precious Metals are not an “investment”; investments involve real risk of loss.   Is your wealth secured and preserved for an imminent collapse that lies ahead?   PM’s are divisible, portable, recognizable & scarce − making them a stable store of value. It is all things the market needs good money to be and has been recognized as such throughout history.   ***PM’s offer True Financial freedom & liberty, Security & Peace of Mind, tight private, personal control, universal recognition & desirability, continuously insatiable demand, compact storage unit of value-gold 200% as compact as $100 bills, easily recognizable & identifiable, easily countable & weighable, fungible-same everywhere in every condition, incredibly environmentally resistant, non-perishable   Wisdom-balanced & diversified-We are taught that young people can afford risk. How has that proven out? FOOLISHNESS. Young people have time to be safe.   Precious Metals (PM) provide timeless & true Wealth & Capital preservation.   PM’s offer a physical tangible asset in an age of all intangibles. S&P 500 now-95% Intangible. S&P 500 20 years ago-95% tangible.   World view vs. Gods view. Banks encourage accumulation of paper assets for net worth growth which are completely speculative and at 100% risk at all times. God stipulates PM’s which are immune from the whims, deceptions & fundamental failings & errors of mankind. They speak for themselves. The independence & freedom-privacy, anonymity, liquidity & transportability offered by PM’s intimidate the “Establishment”.   PM’s will continue to rise as round after round of QE’s continue the deterioration of the US fiat Dollar   Despite continuous pressured opposition by the all world governments, The IRS, stock brokers, investment advisors, money-managers, CU’s & banks, PM’s have still gained nearly 5,000% over the last 40+ years and over 500-600% since 9/11.   America’s current “Welfare State” is what happens when you let a government of the people and for the people buy the people.   People argue that Social Security & Medicare make sense because people pay in over time or they argue they are good because people need a government safety net for “hard times”. All of this will become a moot point when the US Dollar becomes worthless & US Government defaults on all of its debts due to rapid imminent inflation.   Under Obama, there is now over 50% of the US population dependent upon the government. With Medicare, Social Security, Food Stamps & Welfare, and people directly employed by the government, there are now over 165 Million or 53% of the population financially dependent upon an inevitably defunct entity. This sways votes and sets us up for extreme chaos when the system comes unraveled.   Only those with a significant portion of their holdings in precious metals can hope to survive the imminent coming economic collapse.   Every Great Empire in history has converted to fiat currency and every great empire has fully bankrupted and lost world dominance because of it. The longest a full fiat currency system has lasted is 70 years ending after an “exponential money creation phase” which the US has just begun. America, and the globe, went to a full fiat currency system under the Bretton Woods Act of 1946, Coercing the world to accept the US Dollar as its “world reserve currency”. This is just the 66TH year since our currency became fully fiat. 2016 will be year 70. Will The USA beat the odds and be the only nation in history to pass the 70 year fiat currency barrier? Is that a risk you are willing to take? Should you or your loved ones be subjected to that kind of a risk of losing everything?   President Obama has passed 6 of the most destructively invasive Executive Orders in Americas history, essentially authorizing the executive branch “in the event of a national crisis or emergency” to commandeer complete control and possession of all property and assets of all public and private entities including energy, power, finances, transportation, airwaves, media outlets and so on. NDAA allows US government to indefinitely detain anyone at anytime at home or abroad “suspected” of having “anti-government sentiment or intentions or hostility towards the US Government”.   “We are fast approaching the stage of ultimate inversion: the stage where government is free to do as it pleases while the citizens may act only by permission”. Ayn Rand   When we inflation adjust the 1980 precious metals peak prices of $50 Silver and $750 Gold apply an inflation adjustment from the previous precious metals market peaks of 1980, today’s inflation adjusted precious metals prices only equal to $383 gold & $6.17 silver in spending power. By applying an inflation adjustment from 1980 to 2009 to the “quick spike” Gold & Silver price peaks of 1980, which hit momentary highs of $750 gold and nearly $50 silver, would put the precious metals prices at $2500 gold and $160 Silver just to return to these previous highs in terms of today’s U.S. Dollar.   1980 Spike was caused by a short term paper market frenzy and attempted market cornering by the Hunt brothers. The precious metals market growth that began in 2001 and has continued until now has been a steady rising, regularly contested bull market that has demonstrated the necessary peaks and valleys, floors & ceilings to exemplify the attributes of a legitimate and reasonable bull market run.   Growth since deregulation, 1971-2012-Gold $35 to $1800(4800%), Silver $.86-$35(4000 %+).   Established performance throughout ALL written history- Precious Metals (PM) have remained the pinnacle form of wealth and monetary exchange for every civilized nation & society-without exception and without fail. PM’s have endured every type of global economic, political and natural chaos or catastrophe throughout all written human history.   The U.S. Dollar has lost 99.5% of its spending power from 1913 to 2013. $100 in 1913 is now approaching $20,000 in 2009.   Definition of Inflation: An increase in the supply of money.   Inflation is war on the poor & middle class. It confiscates the wealth of those who live paycheck to paycheck diminishing their buying power and forcing eventual governmental dependence over time.   Monetary Inflation-Creation of money from nothing. Monetary inflation is institutionalized counterfeiting, which means it is a form of theft. Should be obvious that no economy could ever benefit from an increase in the amount of theft.   Monetary Inflation creates boom-bust cycles: Worse damage is not the reduction in purchasing power but the distortion in relative prices leading to mal-investing and the large scale destruction of wealth.   Dot-Com craze caused by runaway money creation and transfer of our debt addiction to the world. One time in history event just as the roaring 20’s were a onetime domestic phenomena driven by technology so was the dotcom craze a onetime phenomena driven by technology transferring our system worldwide   Negative real interest rates necessary-stagflation-Interest rates decrease as cost of goods increase-cost inflation-caused by monetary inflation.   Credit crunch-caused by every person, corporation & government entity being tapped out in debt, unable to carry any more payments and not experiencing business growth to service debt or cover interest accumulation.   Quote from John Maynard Keynes-Architect of Keynesian Economics- “The best way to destroy the capitalist system is to debauch the currency. By a continuing process of inflation, governments can confiscate, secretly and unobserved, an important part of the wealth of their citizens. By this method they confiscate arbitrarily impoverishing many yet enriching some; thereby encouraging the demand for the edistribution of wealth.”   DJIA & S&P500 Index Brief Overview: Artificially manipulated markets with deceptive removal and replacement policies for failing stocks. Even despite these unethical accounting practices, these indexes have still been unable to show anything better than a zero gain in over a decade while monetary inflation (creating money from nothing) has increased over 200% from $5Trillion to over $16Trill.   Paper money fraud-Fed no longer reports full M3 creation. Many indications of far more money created than what has been reported-Look at publically admitted dollar amounts of Dept. of Defense & Fannie Freddie losses alone-These two together nearly $10Trill. And all M3 money worldwide is $16Trill? No dollar accountability. All handled by The Fed which is a private “for profit” corporation.   The U.S. Dollar is rapidly losing favor worldwide. The UN has promised a new “dollar free” one world currency.   China has accumulated the world’s largest reserves of crude oil & gold in non-COMEX deliverable form to back the move to host a new replacement world reserve currency in conjunction with Russia, Japan & numerous other countries. China’s introduction of a replacement “World Reserve Currency” will immediately collapse the dollar overnight and begin an immediate US Dollar implosion in value as never seen before.   CPI-Consumer Price Index used by our gov’t to calculate & report inflation figures is an exclusionary index which does not include food, transportation, real estate or energy costs. These excluded expenses are what the average American consumer spends 85% of their disposable income on. A simple calculation of inflation rates derived from these excluded items reveals that since 09/11/2001 inflation has grown at a rate between 10% & 12% which is 3-4 times what our government’s statistics are continuously claiming.   Gold has risen in value by nearly 5000% in the 40+ years since their deregulation in 1971. That’s well over 100%/year average.   The Precious Metals Bull Market is poised to run based on escalating turmoil and scarcity of metals themselves   Precious Metals have never lost their value or become “worthless”. They are ever stable.   Precious Metals have maintained their spending power for thousands of years.   Precious Metals are universally recognized and accepted, anytime or anywhere worldwide.   Precious Metals are private, anonymous, transportable & immediately liquid anywhere & at any time globally.   The current administration is working to increase U.S. M2 Dollar supply from $10Trill in 2008 to $20 Trill in 2009 and up to $40 Trill in 2010. Total U.S. Debt held by all entities exceeds $120Trill. & rapidly rising. The USA is Bankrupt.   Fiat Currency System-The Federal Reserve System is a fiat (false or replacement) currency system which creates money from thin air. Fiat money is not good money because it can be issued without limit and therefore cannot act as a stable store of value. A fiat monetary system gives complete discretion to those who run the printing press, allowing governments to spend money without having to suffer the political consequences of raising taxes. Fiat money benefits those who create it and receive it first, enriching government and its cronies. And the negative effects of fiat money are disguised so that people do not realize that money the Fed creates today is the reason for the busts, rising prices and unemployment, and diminished standard of living tomorrow.   FDIC is fully bankrupt and insolvent and has actually acquired over $2Billion in debt against no monetary assets.   Constitutional rights to privacy gone-Patriot Act-Wire taps, indefinite detainment of anyone/anywhere/anytime: Internet usage, Bluetooth & wireless devices, computers & laptops, laptop & phone cameras, cell phones, electronics with microphones, GPS & auto navigation systems; credit card, debit card & check usage, social media networking & facial recognition software, RFID & smart chips in everything, public & private camera coverage. ASK.com-ran by CIA,   Barrack Hussein Obama is destroying Our Economy on Purpose through the Cloward & Piven Strategy of imposing socialism on America. The plan calls for the destruction of capitalism in America by swelling the welfare rolls to the point of collapsing our economy and then implementing socialism by nationalizing many private institutions,” It explains & educates leaders on how to destroy jobs and productivity, create runaway deficit spending, fuel skyrocketing healthcare costs & expenses and then hang the entire system on the back of the U.S. government. This alone is designed to lead the entire world into full blown Marxist-socialism with nowhere left for a true democracy to birth or find refuge.   Saul Alinsky: A radical left wing Marxist who wrote “Rules For Rebels”, the strategy book used by Obama for the methodical destruction of the rule & reign of democracy as we know and the republic underpinnings of the US of A. In the opening sentences of this book, which is highly regarded by the left, which used to only apply to left wing extremists, says “The devil challenged authority and got his own kingdom, and that goes to the heart of what left is really about. That of course is to get power any way you can, including lying, cheating and stealing. The ultimate rule is that the ends justify the means.” This is one of the main playbooks of the left. Their guidance & inspiration comes from the noted and professed atheist and anti-morality proponents Cloward & Piven & Saul Alinsky. All three synonymously agree that America must be destroyed from within and reshaped into a militaristic, socialistic, communistic & fascist state.   Every corporate entity that has been run by our government has been a massive failure and an even worse waste of 100’s of billions of tax payer dollars. These entities become embezzlement vehicles for the corrupt elitist politicians to spread the wealth. This is why they want socialism. Socialism gives them complete and total control of all the money. Look at what the government politicians have done with Medicare & Medicaid, social security, The US Post Office, Amtrak, Fannie Mae & Freddie Mac, The entire exponential congressional budget deficit and on it goes. Now they want government run healthcare. Are we really that dumb? The real reason that they want to control everyone’s money without any account so they can steal $100’s of billions or even trillions of dollars among themselves while the insignificant masses starve to death in the insatiable pit of poverty.   On Sept.10TH, 2001, yes, the day before the 9/11 attacks, Donald Rumsfeld, Secretary of Defense, admitted that the U.S. Pentagon appropriations committee had lost $2.3Trillion which it could not account for. The records for this misappropriation were purportedly located in WTC Building #7 & the area of the pentagon which was destroyed on Sept. 11TH, 2001.   JP Morgan-Between September 1ST & 10TH of 2001, JP Morgan sold $2.2Trillion in additional US Treasury Bonds that HAD NOT been issued by the US Government. All records pertaining to these sales were conveniently destroyed or lost in the Sept. 11TH destruction of WTC Bldg’s 1, 2 & 7.   Fannie Mae & Freddie Mac were under investigation for $1.9Trill. in missing funds documented by the US Dept. of Housing & Urban Development between 1988 & 2000. Conveniently after an indictment was given in August, 2001, these documents were lost in the 9/11 destruction.   Another grand jury indictment was awarded against HUD & Fannie Freddie in Sept. 2008 for having 10 times the securities as mortgages to back them. Conveniently, the following week Hank Paulsen, Secretary of The Treasury announced a mortgage crisis which required all HUD documents to be transferred to the Treasury Dept. Once this was completed and out of the court’s jurisdiction, he and Ben Bernanke changed their mind about the crisis and said it was too late to correct the mortgage problem and began giving trillions in handouts to their Wall Street friends with no strings attached.   The global fiat currency system colludes with corrupt leaders of 3RD world countries by diverting tremendous amounts of currency in reward for participating in the globally corrupt scandal to confiscate the wealth of the masses and transfer that wealth to the Fed. In return, many corrupt 3RD world leaders & governments are protected, made wealthy & elevated in global authority & influence. Nations that will not participate or speak out against our currency are warned & destroyed. Libya, Iraq, Iran, Venezuela, many middle-eastern nations for now.   America’s global superiority is diminished based on mutual participation in the corrupt & deceptive fiat currency system which perpetuates the Fed’s confiscation of citizen’s wealth globally by undermining, inflating & destroying all world currencies. This relationship elevates the authority & influence of many 3RD world and adversarial governments to have a say over the financial decisions and military actions of the US & Fed. This positions & empowers new world leaders to arise where otherwise, finances would be unavailable.   Fed Backed fiat currency allows continued warfare & military action in favor of all participatory leaders & governments perpetuating currency creation & warning defectors.   A fiat currency system is dependent upon debt, debt & more debt on every level. The largest burden is on the taxpayer.   This systematic destruction of nations by the financial monopoly leaders has occurred on countless occasions throughout world history starting as far back as The Roman Empire nearly 1900 years ago which experienced complete and total financial & economic collapse at the same time it was being conquered and burned by invading countries. The financial, moral & governmental breakdown from the inside out weakened & confused Rome to a point that it no longer had the strength, resolve or wisdom to know how or why to defend itself. There was mayhem in the streets. Historians tell us that the Roman military had disband and walked away saying that there was no longer anything to fight for as the republic had been systematically destroyed from within by corruption & greed.   Since its inception in 1913, the Federal Reserve Bank has requested & received, from congress via the taxpayer, over 15 corporate and 10 Third world country bailouts totaling multiple $Trillions $of $Dollars. Debt, Debt & More Debt.   Impending Hyper inflation is the inevitable & undeniable end result of all fiat currency systems. None have survived.   The U.S. Government & Federal Reserve Banks Create, Demand & Require Inflation as a hidden tax.   The U.S. Government & Federal Reserve Banks confiscate the citizen’s wealth through a series of inflationary (expansion) and deflationary (contraction) economic policies. They push debt then confiscate assets and wealth.   Precious Metals respond positively to both Inflationary & Deflationary Economic times.   Precious Metals grow at or beyond the inflation rate of the currency of measurement.   The U.S. Stock Market is inundated with and dependent upon fraud & corruption to succeed. A Ponzi scheme.   Precious Metals do not require the promise or endorsement of any man or entity. They speak for themselves.   The 30 DOW Jones Index stocks are removed & replaced yearly to create false performance records.   From Sept. 2001 to Nov. 2009, The DOW Jones Index has LOST 20% of its value despite intentional substitution & manipulation of the stocks the index is comprised of.   From Sept. 2001 to Nov. 2009, Gold, Silver, Platinum & Rare Coins have all grown by over 300% in value despite ongoing media blackouts as well as harsh bank and stock broker opposition from the fear of loss of control.   $1000 invested in the DOW Jones in 1969(40 years ago) would currently be worth just over $6000.   $1000 invested In Gold in 1969(40 years ago) would currently be worth over $31,000 today.   The explosive casino market of the “dot com craze” of the 1990’s was a debt driven anomaly which is over & done, once & for all, never to return again. DON’T BE FOOLED if your stock broker keeps telling you to hurry up and wait for it to eventually come back. Ask him where his great advice was before your 401K became your 201K or even a 101K?   Hundreds of respected experts and analysts agree that further economic failure is assured before recovery will begin.   Stock Market Will Crash UP!!! Inflation will be used to deceive the average investor. As hyper inflation rates of 50%-100% or more erode the U.S. Dollar, the stock market will grow by 10, 20 or even 30% lulling the trusting and ignorant citizens to sleep while the Inflation Tax quietly confiscates and transfers the remainder of their wealth to the Federal Reserve Banking Cartel.   Throughout U.S. History, U.S. bankers have used crash after crash to appropriate bail-out after bail-out. The lack of U.S. wealth creation assures an impending depletion of U.S. paper backed wealth. The only ones who will survive will be those holding tangible resources and imperishable commodities. BUY PRECIOUS METALS NOW!!! Time is running out!!!   FDIC has only $10Billion remaining, less than the total deposits of each of America’s 100 largest banks. No insurance left!   AVOID PRECIOUS METALS ON PAPER. Hold ONLY physical precious metals. CALL COINSPlus Today @ (509) 444-0044.

COINSPlus, Inc. Spokane (509) 444-0044 3201 N. Division St., Spokane, WA 99207 CONTACT COINSPlus to Protect Your Assets with Precious Metals Now!!!   The World’s economic & political condition underwent a permanent change of course on Sept. 11TH, 2001.   The problem is escalating towards an imminent economic & financial collapse at an exponentially increasing pace.   Successful financial experts are rapidly abandoning the paper investments of yesteryear for the immediate assurance of wealth and capital preservation provided by the timeless security & performance of Precious Metals.   Precious Metals have always been the pinnacle form of real money or true wealth in every civilized society.   Precious Metals are not an “investment”; investments involve real risk of loss.   Is your wealth secured and preserved for an imminent collapse that lies ahead?   PM’s are divisible, portable, recognizable & scarce − making them a stable store of value. It is all things the market needs good money to be and has been recognized as such throughout history.   ***PM’s offer True Financial freedom & liberty, Security & Peace of Mind, tight private, personal control, universal recognition & desirability, continuously insatiable demand, compact storage unit of value-gold 200% as compact as $100 bills, easily recognizable & identifiable, easily countable & weighable, fungible-same everywhere in every condition, incredibly environmentally resistant, non-perishable   Wisdom-balanced & diversified-We are taught that young people can afford risk. How has that proven out? FOOLISHNESS. Young people have time to be safe.   Precious Metals (PM) provide timeless & true Wealth & Capital preservation.   PM’s offer a physical tangible asset in an age of all intangibles. S&P 500 now-95% Intangible. S&P 500 20 years ago-95% tangible.   World view vs. Gods view. Banks encourage accumulation of paper assets for net worth growth which are completely speculative and at 100% risk at all times. God stipulates PM’s which are immune from the whims, deceptions & fundamental failings & errors of mankind. They speak for themselves. The independence & freedom-privacy, anonymity, liquidity & transportability offered by PM’s intimidate the “Establishment”.   PM’s will continue to rise as round after round of QE’s continue the deterioration of the US fiat Dollar   Despite continuous pressured opposition by the all world governments, The IRS, stock brokers, investment advisors, money-managers, CU’s & banks, PM’s have still gained nearly 5,000% over the last 40+ years and over 500-600% since 9/11.   America’s current “Welfare State” is what happens when you let a government of the people and for the people buy the people.   People argue that Social Security & Medicare make sense because people pay in over time or they argue they are good because people need a government safety net for “hard times”. All of this will become a moot point when the US Dollar becomes worthless & US Government defaults on all of its debts due to rapid imminent inflation.   Under Obama, there is now over 50% of the US population dependent upon the government. With Medicare, Social Security, Food Stamps & Welfare, and people directly employed by the government, there are now over 165 Million or 53% of the population financially dependent upon an inevitably defunct entity. This sways votes and sets us up for extreme chaos when the system comes unraveled.   Only those with a significant portion of their holdings in precious metals can hope to survive the imminent coming economic collapse.   Every Great Empire in history has converted to fiat currency and every great empire has fully bankrupted and lost world dominance because of it. The longest a full fiat currency system has lasted is 70 years ending after an “exponential money creation phase” which the US has just begun. America, and the globe, went to a full fiat currency system under the Bretton Woods Act of 1946, Coercing the world to accept the US Dollar as its “world reserve currency”. This is just the 66TH year since our currency became fully fiat. 2016 will be year 70. Will The USA beat the odds and be the only nation in history to pass the 70 year fiat currency barrier? Is that a risk you are willing to take? Should you or your loved ones be subjected to that kind of a risk of losing everything?   President Obama has passed 6 of the most destructively invasive Executive Orders in Americas history, essentially authorizing the executive branch “in the event of a national crisis or emergency” to commandeer complete control and possession of all property and assets of all public and private entities including energy, power, finances, transportation, airwaves, media outlets and so on. NDAA allows US government to indefinitely detain anyone at anytime at home or abroad “suspected” of having “anti-government sentiment or intentions or hostility towards the US Government”.   “We are fast approaching the stage of ultimate inversion: the stage where government is free to do as it pleases while the citizens may act only by permission”. Ayn Rand   When we inflation adjust the 1980 precious metals peak prices of $50 Silver and $750 Gold apply an inflation adjustment from the previous precious metals market peaks of 1980, today’s inflation adjusted precious metals prices only equal to $383 gold & $6.17 silver in spending power. By applying an inflation adjustment from 1980 to 2009 to the “quick spike” Gold & Silver price peaks of 1980, which hit momentary highs of $750 gold and nearly $50 silver, would put the precious metals prices at $2500 gold and $160 Silver just to return to these previous highs in terms of today’s U.S. Dollar.   1980 Spike was caused by a short term paper market frenzy and attempted market cornering by the Hunt brothers. The precious metals market growth that began in 2001 and has continued until now has been a steady rising, regularly contested bull market that has demonstrated the necessary peaks and valleys, floors & ceilings to exemplify the attributes of a legitimate and reasonable bull market run.   Growth since deregulation, 1971-2012-Gold $35 to $1800(4800%), Silver $.86-$35(4000 %+).   Established performance throughout ALL written history- Precious Metals (PM) have remained the pinnacle form of wealth and monetary exchange for every civilized nation & society-without exception and without fail. PM’s have endured every type of global economic, political and natural chaos or catastrophe throughout all written human history.   The U.S. Dollar has lost 99.5% of its spending power from 1913 to 2013. $100 in 1913 is now approaching $20,000 in 2009.   Definition of Inflation: An increase in the supply of money.   Inflation is war on the poor & middle class. It confiscates the wealth of those who live paycheck to paycheck diminishing their buying power and forcing eventual governmental dependence over time.   Monetary Inflation-Creation of money from nothing. Monetary inflation is institutionalized counterfeiting, which means it is a form of theft. Should be obvious that no economy could ever benefit from an increase in the amount of theft.   Monetary Inflation creates boom-bust cycles: Worse damage is not the reduction in purchasing power but the distortion in relative prices leading to mal-investing and the large scale destruction of wealth.   Dot-Com craze caused by runaway money creation and transfer of our debt addiction to the world. One time in history event just as the roaring 20’s were a onetime domestic phenomena driven by technology so was the dotcom craze a onetime phenomena driven by technology transferring our system worldwide   Negative real interest rates necessary-stagflation-Interest rates decrease as cost of goods increase-cost inflation-caused by monetary inflation.   Credit crunch-caused by every person, corporation & government entity being tapped out in debt, unable to carry any more payments and not experiencing business growth to service debt or cover interest accumulation.   Quote from John Maynard Keynes-Architect of Keynesian Economics- “The best way to destroy the capitalist system is to debauch the currency. By a continuing process of inflation, governments can confiscate, secretly and unobserved, an important part of the wealth of their citizens. By this method they confiscate arbitrarily impoverishing many yet enriching some; thereby encouraging the demand for the edistribution of wealth.”   DJIA & S&P500 Index Brief Overview: Artificially manipulated markets with deceptive removal and replacement policies for failing stocks. Even despite these unethical accounting practices, these indexes have still been unable to show anything better than a zero gain in over a decade while monetary inflation (creating money from nothing) has increased over 200% from $5Trillion to over $16Trill.   Paper money fraud-Fed no longer reports full M3 creation. Many indications of far more money created than what has been reported-Look at publically admitted dollar amounts of Dept. of Defense & Fannie Freddie losses alone-These two together nearly $10Trill. And all M3 money worldwide is $16Trill? No dollar accountability. All handled by The Fed which is a private “for profit” corporation.   The U.S. Dollar is rapidly losing favor worldwide. The UN has promised a new “dollar free” one world currency.   China has accumulated the world’s largest reserves of crude oil & gold in non-COMEX deliverable form to back the move to host a new replacement world reserve currency in conjunction with Russia, Japan & numerous other countries. China’s introduction of a replacement “World Reserve Currency” will immediately collapse the dollar overnight and begin an immediate US Dollar implosion in value as never seen before.   CPI-Consumer Price Index used by our gov’t to calculate & report inflation figures is an exclusionary index which does not include food, transportation, real estate or energy costs. These excluded expenses are what the average American consumer spends 85% of their disposable income on. A simple calculation of inflation rates derived from these excluded items reveals that since 09/11/2001 inflation has grown at a rate between 10% & 12% which is 3-4 times what our government’s statistics are continuously claiming.   Gold has risen in value by nearly 5000% in the 40+ years since their deregulation in 1971. That’s well over 100%/year average.   The Precious Metals Bull Market is poised to run based on escalating turmoil and scarcity of metals themselves   Precious Metals have never lost their value or become “worthless”. They are ever stable.   Precious Metals have maintained their spending power for thousands of years.   Precious Metals are universally recognized and accepted, anytime or anywhere worldwide.   Precious Metals are private, anonymous, transportable & immediately liquid anywhere & at any time globally.   The current administration is working to increase U.S. M2 Dollar supply from $10Trill in 2008 to $20 Trill in 2009 and up to $40 Trill in 2010. Total U.S. Debt held by all entities exceeds $120Trill. & rapidly rising. The USA is Bankrupt.   Fiat Currency System-The Federal Reserve System is a fiat (false or replacement) currency system which creates money from thin air. Fiat money is not good money because it can be issued without limit and therefore cannot act as a stable store of value. A fiat monetary system gives complete discretion to those who run the printing press, allowing governments to spend money without having to suffer the political consequences of raising taxes. Fiat money benefits those who create it and receive it first, enriching government and its cronies. And the negative effects of fiat money are disguised so that people do not realize that money the Fed creates today is the reason for the busts, rising prices and unemployment, and diminished standard of living tomorrow.   FDIC is fully bankrupt and insolvent and has actually acquired over $2Billion in debt against no monetary assets.   Constitutional rights to privacy gone-Patriot Act-Wire taps, indefinite detainment of anyone/anywhere/anytime: Internet usage, Bluetooth & wireless devices, computers & laptops, laptop & phone cameras, cell phones, electronics with microphones, GPS & auto navigation systems; credit card, debit card & check usage, social media networking & facial recognition software, RFID & smart chips in everything, public & private camera coverage. ASK.com-ran by CIA,   Barrack Hussein Obama is destroying Our Economy on Purpose through the Cloward & Piven Strategy of imposing socialism on America. The plan calls for the destruction of capitalism in America by swelling the welfare rolls to the point of collapsing our economy and then implementing socialism by nationalizing many private institutions,” It explains & educates leaders on how to destroy jobs and productivity, create runaway deficit spending, fuel skyrocketing healthcare costs & expenses and then hang the entire system on the back of the U.S. government. This alone is designed to lead the entire world into full blown Marxist-socialism with nowhere left for a true democracy to birth or find refuge.   Saul Alinsky: A radical left wing Marxist who wrote “Rules For Rebels”, the strategy book used by Obama for the methodical destruction of the rule & reign of democracy as we know and the republic underpinnings of the US of A. In the opening sentences of this book, which is highly regarded by the left, which used to only apply to left wing extremists, says “The devil challenged authority and got his own kingdom, and that goes to the heart of what left is really about. That of course is to get power any way you can, including lying, cheating and stealing. The ultimate rule is that the ends justify the means.” This is one of the main playbooks of the left. Their guidance & inspiration comes from the noted and professed atheist and anti-morality proponents Cloward & Piven & Saul Alinsky. All three synonymously agree that America must be destroyed from within and reshaped into a militaristic, socialistic, communistic & fascist state.   Every corporate entity that has been run by our government has been a massive failure and an even worse waste of 100’s of billions of tax payer dollars. These entities become embezzlement vehicles for the corrupt elitist politicians to spread the wealth. This is why they want socialism. Socialism gives them complete and total control of all the money. Look at what the government politicians have done with Medicare & Medicaid, social security, The US Post Office, Amtrak, Fannie Mae & Freddie Mac, The entire exponential congressional budget deficit and on it goes. Now they want government run healthcare. Are we really that dumb? The real reason that they want to control everyone’s money without any account so they can steal $100’s of billions or even trillions of dollars among themselves while the insignificant masses starve to death in the insatiable pit of poverty.   On Sept.10TH, 2001, yes, the day before the 9/11 attacks, Donald Rumsfeld, Secretary of Defense, admitted that the U.S. Pentagon appropriations committee had lost $2.3Trillion which it could not account for. The records for this misappropriation were purportedly located in WTC Building #7 & the area of the pentagon which was destroyed on Sept. 11TH, 2001.   JP Morgan-Between September 1ST & 10TH of 2001, JP Morgan sold $2.2Trillion in additional US Treasury Bonds that HAD NOT been issued by the US Government. All records pertaining to these sales were conveniently destroyed or lost in the Sept. 11TH destruction of WTC Bldg’s 1, 2 & 7.   Fannie Mae & Freddie Mac were under investigation for $1.9Trill. in missing funds documented by the US Dept. of Housing & Urban Development between 1988 & 2000. Conveniently after an indictment was given in August, 2001, these documents were lost in the 9/11 destruction.   Another grand jury indictment was awarded against HUD & Fannie Freddie in Sept. 2008 for having 10 times the securities as mortgages to back them. Conveniently, the following week Hank Paulsen, Secretary of The Treasury announced a mortgage crisis which required all HUD documents to be transferred to the Treasury Dept. Once this was completed and out of the court’s jurisdiction, he and Ben Bernanke changed their mind about the crisis and said it was too late to correct the mortgage problem and began giving trillions in handouts to their Wall Street friends with no strings attached.   The global fiat currency system colludes with corrupt leaders of 3RD world countries by diverting tremendous amounts of currency in reward for participating in the globally corrupt scandal to confiscate the wealth of the masses and transfer that wealth to the Fed. In return, many corrupt 3RD world leaders & governments are protected, made wealthy & elevated in global authority & influence. Nations that will not participate or speak out against our currency are warned & destroyed. Libya, Iraq, Iran, Venezuela, many middle-eastern nations for now.   America’s global superiority is diminished based on mutual participation in the corrupt & deceptive fiat currency system which perpetuates the Fed’s confiscation of citizen’s wealth globally by undermining, inflating & destroying all world currencies. This relationship elevates the authority & influence of many 3RD world and adversarial governments to have a say over the financial decisions and military actions of the US & Fed. This positions & empowers new world leaders to arise where otherwise, finances would be unavailable.   Fed Backed fiat currency allows continued warfare & military action in favor of all participatory leaders & governments perpetuating currency creation & warning defectors.   A fiat currency system is dependent upon debt, debt & more debt on every level. The largest burden is on the taxpayer.   This systematic destruction of nations by the financial monopoly leaders has occurred on countless occasions throughout world history starting as far back as The Roman Empire nearly 1900 years ago which experienced complete and total financial & economic collapse at the same time it was being conquered and burned by invading countries. The financial, moral & governmental breakdown from the inside out weakened & confused Rome to a point that it no longer had the strength, resolve or wisdom to know how or why to defend itself. There was mayhem in the streets. Historians tell us that the Roman military had disband and walked away saying that there was no longer anything to fight for as the republic had been systematically destroyed from within by corruption & greed.   Since its inception in 1913, the Federal Reserve Bank has requested & received, from congress via the taxpayer, over 15 corporate and 10 Third world country bailouts totaling multiple $Trillions $of $Dollars. Debt, Debt & More Debt.   Impending Hyper inflation is the inevitable & undeniable end result of all fiat currency systems. None have survived.   The U.S. Government & Federal Reserve Banks Create, Demand & Require Inflation as a hidden tax.   The U.S. Government & Federal Reserve Banks confiscate the citizen’s wealth through a series of inflationary (expansion) and deflationary (contraction) economic policies. They push debt then confiscate assets and wealth.   Precious Metals respond positively to both Inflationary & Deflationary Economic times.   Precious Metals grow at or beyond the inflation rate of the currency of measurement.   The U.S. Stock Market is inundated with and dependent upon fraud & corruption to succeed. A Ponzi scheme.   Precious Metals do not require the promise or endorsement of any man or entity. They speak for themselves.   The 30 DOW Jones Index stocks are removed & replaced yearly to create false performance records.   From Sept. 2001 to Nov. 2009, The DOW Jones Index has LOST 20% of its value despite intentional substitution & manipulation of the stocks the index is comprised of.   From Sept. 2001 to Nov. 2009, Gold, Silver, Platinum & Rare Coins have all grown by over 300% in value despite ongoing media blackouts as well as harsh bank and stock broker opposition from the fear of loss of control.   $1000 invested in the DOW Jones in 1969(40 years ago) would currently be worth just over $6000.   $1000 invested In Gold in 1969(40 years ago) would currently be worth over $31,000 today.   The explosive casino market of the “dot com craze” of the 1990’s was a debt driven anomaly which is over & done, once & for all, never to return again. DON’T BE FOOLED if your stock broker keeps telling you to hurry up and wait for it to eventually come back. Ask him where his great advice was before your 401K became your 201K or even a 101K?   Hundreds of respected experts and analysts agree that further economic failure is assured before recovery will begin.   Stock Market Will Crash UP!!! Inflation will be used to deceive the average investor. As hyper inflation rates of 50%-100% or more erode the U.S. Dollar, the stock market will grow by 10, 20 or even 30% lulling the trusting and ignorant citizens to sleep while the Inflation Tax quietly confiscates and transfers the remainder of their wealth to the Federal Reserve Banking Cartel.   Throughout U.S. History, U.S. bankers have used crash after crash to appropriate bail-out after bail-out. The lack of U.S. wealth creation assures an impending depletion of U.S. paper backed wealth. The only ones who will survive will be those holding tangible resources and imperishable commodities. BUY PRECIOUS METALS NOW!!! Time is running out!!!   FDIC has only $10Billion remaining, less than the total deposits of each of America’s 100 largest banks. No insurance left!   AVOID PRECIOUS METALS ON PAPER. Hold ONLY physical precious metals. CALL COINSPlus Today @ (509) 444-0044.

Jason Hartman and Adam start today's episode by answering a listener question from Amina, who wants to know what her options are after she maxes out her Fannie Mae and Freddie Mac loans. Surely there are options out there, but what are they? Then Jason has a client case study with David Nelson, who, along with his wife, has amassed a real estate portfolio that has allowed her to retire early to focus on their holdings. David discusses how his cockiness led him into a bad deal, why continual education is important and where his journey is heading. Key Takeaways: [5:15] Listener Question from Amina: what do you do after you max out your Fannie Mae/Freddie Mac loans? [10:34] If you're wanting to cruise to Grand Cayman, Jamaica and Cuba you need to sign up soon! David Nelson Client Case Study: [17:19] David started getting cocky investing in 2016 and didn't pay enough attention to his inspection [20:24] Jason's group doesn't do any one off deals [24:28] How self-management has gone for David so far [29:18] When you combine education with action you can accomplish nearly anything [33:01] Why being 80% in on one asset class isn't necessarily a mistake Website: www.JasonHartman.com/Cruise www.JasonHartman.com/Ask

Jason Hartman and Adam start today's episode by answering a listener question from Amina, who wants to know what her options are after she maxes out her Fannie Mae and Freddie Mac loans. Surely there are options out there, but what are they? Then Jason has a client case study with David Nelson, who, along with his wife, has amassed a real estate portfolio that has allowed her to retire early to focus on their holdings. David discusses how his cockiness led him into a bad deal, why continual education is important and where his journey is heading. Key Takeaways: [5:15] Listener Question from Amina: what do you do after you max out your Fannie Mae/Freddie Mac loans? [10:34] If you're wanting to cruise to Grand Cayman, Jamaica and Cuba you need to sign up soon! David Nelson Client Case Study: [17:19] David started getting cocky investing in 2016 and didn't pay enough attention to his inspection [20:24] Jason's group doesn't do any one off deals [24:28] How self-management has gone for David so far [29:18] When you combine education with action you can accomplish nearly anything [33:01] Why being 80% in on one asset class isn't necessarily a mistake Website: www.JasonHartman.com/Cruise www.JasonHartman.com/Ask

COINSPlus, Inc. Spokane (509) 444-0044 3201 N. Division St., Spokane, WA 99207 CONTACT COINSPlus to Protect Your Assets with Precious Metals Now!!!   The World’s economic & political condition underwent a permanent change of course on Sept. 11TH, 2001.   The problem is escalating towards an imminent economic & financial collapse at an exponentially increasing pace.   Successful financial experts are rapidly abandoning the paper investments of yesteryear for the immediate assurance of wealth and capital preservation provided by the timeless security & performance of Precious Metals.   Precious Metals have always been the pinnacle form of real money or true wealth in every civilized society.   Precious Metals are not an “investment”; investments involve real risk of loss.   Is your wealth secured and preserved for an imminent collapse that lies ahead?   PM’s are divisible, portable, recognizable & scarce − making them a stable store of value. It is all things the market needs good money to be and has been recognized as such throughout history.   ***PM’s offer True Financial freedom & liberty, Security & Peace of Mind, tight private, personal control, universal recognition & desirability, continuously insatiable demand, compact storage unit of value-gold 200% as compact as $100 bills, easily recognizable & identifiable, easily countable & weighable, fungible-same everywhere in every condition, incredibly environmentally resistant, non-perishable   Wisdom-balanced & diversified-We are taught that young people can afford risk. How has that proven out? FOOLISHNESS. Young people have time to be safe.   Precious Metals (PM) provide timeless & true Wealth & Capital preservation.   PM’s offer a physical tangible asset in an age of all intangibles. S&P 500 now-95% Intangible. S&P 500 20 years ago-95% tangible.   World view vs. Gods view. Banks encourage accumulation of paper assets for net worth growth which are completely speculative and at 100% risk at all times. God stipulates PM’s which are immune from the whims, deceptions & fundamental failings & errors of mankind. They speak for themselves. The independence & freedom-privacy, anonymity, liquidity & transportability offered by PM’s intimidate the “Establishment”.   PM’s will continue to rise as round after round of QE’s continue the deterioration of the US fiat Dollar   Despite continuous pressured opposition by the all world governments, The IRS, stock brokers, investment advisors, money-managers, CU’s & banks, PM’s have still gained nearly 5,000% over the last 40+ years and over 500-600% since 9/11.   America’s current “Welfare State” is what happens when you let a government of the people and for the people buy the people.   People argue that Social Security & Medicare make sense because people pay in over time or they argue they are good because people need a government safety net for “hard times”. All of this will become a moot point when the US Dollar becomes worthless & US Government defaults on all of its debts due to rapid imminent inflation.   Under Obama, there is now over 50% of the US population dependent upon the government. With Medicare, Social Security, Food Stamps & Welfare, and people directly employed by the government, there are now over 165 Million or 53% of the population financially dependent upon an inevitably defunct entity. This sways votes and sets us up for extreme chaos when the system comes unraveled.   Only those with a significant portion of their holdings in precious metals can hope to survive the imminent coming economic collapse.   Every Great Empire in history has converted to fiat currency and every great empire has fully bankrupted and lost world dominance because of it. The longest a full fiat currency system has lasted is 70 years ending after an “exponential money creation phase” which the US has just begun. America, and the globe, went to a full fiat currency system under the Bretton Woods Act of 1946, Coercing the world to accept the US Dollar as its “world reserve currency”. This is just the 66TH year since our currency became fully fiat. 2016 will be year 70. Will The USA beat the odds and be the only nation in history to pass the 70 year fiat currency barrier? Is that a risk you are willing to take? Should you or your loved ones be subjected to that kind of a risk of losing everything?   President Obama has passed 6 of the most destructively invasive Executive Orders in Americas history, essentially authorizing the executive branch “in the event of a national crisis or emergency” to commandeer complete control and possession of all property and assets of all public and private entities including energy, power, finances, transportation, airwaves, media outlets and so on. NDAA allows US government to indefinitely detain anyone at anytime at home or abroad “suspected” of having “anti-government sentiment or intentions or hostility towards the US Government”.   “We are fast approaching the stage of ultimate inversion: the stage where government is free to do as it pleases while the citizens may act only by permission”. Ayn Rand   When we inflation adjust the 1980 precious metals peak prices of $50 Silver and $750 Gold apply an inflation adjustment from the previous precious metals market peaks of 1980, today’s inflation adjusted precious metals prices only equal to $383 gold & $6.17 silver in spending power. By applying an inflation adjustment from 1980 to 2009 to the “quick spike” Gold & Silver price peaks of 1980, which hit momentary highs of $750 gold and nearly $50 silver, would put the precious metals prices at $2500 gold and $160 Silver just to return to these previous highs in terms of today’s U.S. Dollar.   1980 Spike was caused by a short term paper market frenzy and attempted market cornering by the Hunt brothers. The precious metals market growth that began in 2001 and has continued until now has been a steady rising, regularly contested bull market that has demonstrated the necessary peaks and valleys, floors & ceilings to exemplify the attributes of a legitimate and reasonable bull market run.   Growth since deregulation, 1971-2012-Gold $35 to $1800(4800%), Silver $.86-$35(4000 %+).   Established performance throughout ALL written history- Precious Metals (PM) have remained the pinnacle form of wealth and monetary exchange for every civilized nation & society-without exception and without fail. PM’s have endured every type of global economic, political and natural chaos or catastrophe throughout all written human history.   The U.S. Dollar has lost 99.5% of its spending power from 1913 to 2013. $100 in 1913 is now approaching $20,000 in 2009.   Definition of Inflation: An increase in the supply of money.   Inflation is war on the poor & middle class. It confiscates the wealth of those who live paycheck to paycheck diminishing their buying power and forcing eventual governmental dependence over time.   Monetary Inflation-Creation of money from nothing. Monetary inflation is institutionalized counterfeiting, which means it is a form of theft. Should be obvious that no economy could ever benefit from an increase in the amount of theft.   Monetary Inflation creates boom-bust cycles: Worse damage is not the reduction in purchasing power but the distortion in relative prices leading to mal-investing and the large scale destruction of wealth.   Dot-Com craze caused by runaway money creation and transfer of our debt addiction to the world. One time in history event just as the roaring 20’s were a onetime domestic phenomena driven by technology so was the dotcom craze a onetime phenomena driven by technology transferring our system worldwide   Negative real interest rates necessary-stagflation-Interest rates decrease as cost of goods increase-cost inflation-caused by monetary inflation.   Credit crunch-caused by every person, corporation & government entity being tapped out in debt, unable to carry any more payments and not experiencing business growth to service debt or cover interest accumulation.   Quote from John Maynard Keynes-Architect of Keynesian Economics- “The best way to destroy the capitalist system is to debauch the currency. By a continuing process of inflation, governments can confiscate, secretly and unobserved, an important part of the wealth of their citizens. By this method they confiscate arbitrarily impoverishing many yet enriching some; thereby encouraging the demand for the edistribution of wealth.”   DJIA & S&P500 Index Brief Overview: Artificially manipulated markets with deceptive removal and replacement policies for failing stocks. Even despite these unethical accounting practices, these indexes have still been unable to show anything better than a zero gain in over a decade while monetary inflation (creating money from nothing) has increased over 200% from $5Trillion to over $16Trill.   Paper money fraud-Fed no longer reports full M3 creation. Many indications of far more money created than what has been reported-Look at publically admitted dollar amounts of Dept. of Defense & Fannie Freddie losses alone-These two together nearly $10Trill. And all M3 money worldwide is $16Trill? No dollar accountability. All handled by The Fed which is a private “for profit” corporation.   The U.S. Dollar is rapidly losing favor worldwide. The UN has promised a new “dollar free” one world currency.   China has accumulated the world’s largest reserves of crude oil & gold in non-COMEX deliverable form to back the move to host a new replacement world reserve currency in conjunction with Russia, Japan & numerous other countries. China’s introduction of a replacement “World Reserve Currency” will immediately collapse the dollar overnight and begin an immediate US Dollar implosion in value as never seen before.   CPI-Consumer Price Index used by our gov’t to calculate & report inflation figures is an exclusionary index which does not include food, transportation, real estate or energy costs. These excluded expenses are what the average American consumer spends 85% of their disposable income on. A simple calculation of inflation rates derived from these excluded items reveals that since 09/11/2001 inflation has grown at a rate between 10% & 12% which is 3-4 times what our government’s statistics are continuously claiming.   Gold has risen in value by nearly 5000% in the 40+ years since their deregulation in 1971. That’s well over 100%/year average.   The Precious Metals Bull Market is poised to run based on escalating turmoil and scarcity of metals themselves   Precious Metals have never lost their value or become “worthless”. They are ever stable.   Precious Metals have maintained their spending power for thousands of years.   Precious Metals are universally recognized and accepted, anytime or anywhere worldwide.   Precious Metals are private, anonymous, transportable & immediately liquid anywhere & at any time globally.   The current administration is working to increase U.S. M2 Dollar supply from $10Trill in 2008 to $20 Trill in 2009 and up to $40 Trill in 2010. Total U.S. Debt held by all entities exceeds $120Trill. & rapidly rising. The USA is Bankrupt.   Fiat Currency System-The Federal Reserve System is a fiat (false or replacement) currency system which creates money from thin air. Fiat money is not good money because it can be issued without limit and therefore cannot act as a stable store of value. A fiat monetary system gives complete discretion to those who run the printing press, allowing governments to spend money without having to suffer the political consequences of raising taxes. Fiat money benefits those who create it and receive it first, enriching government and its cronies. And the negative effects of fiat money are disguised so that people do not realize that money the Fed creates today is the reason for the busts, rising prices and unemployment, and diminished standard of living tomorrow.   FDIC is fully bankrupt and insolvent and has actually acquired over $2Billion in debt against no monetary assets.   Constitutional rights to privacy gone-Patriot Act-Wire taps, indefinite detainment of anyone/anywhere/anytime: Internet usage, Bluetooth & wireless devices, computers & laptops, laptop & phone cameras, cell phones, electronics with microphones, GPS & auto navigation systems; credit card, debit card & check usage, social media networking & facial recognition software, RFID & smart chips in everything, public & private camera coverage. ASK.com-ran by CIA,   Barrack Hussein Obama is destroying Our Economy on Purpose through the Cloward & Piven Strategy of imposing socialism on America. The plan calls for the destruction of capitalism in America by swelling the welfare rolls to the point of collapsing our economy and then implementing socialism by nationalizing many private institutions,” It explains & educates leaders on how to destroy jobs and productivity, create runaway deficit spending, fuel skyrocketing healthcare costs & expenses and then hang the entire system on the back of the U.S. government. This alone is designed to lead the entire world into full blown Marxist-socialism with nowhere left for a true democracy to birth or find refuge.   Saul Alinsky: A radical left wing Marxist who wrote “Rules For Rebels”, the strategy book used by Obama for the methodical destruction of the rule & reign of democracy as we know and the republic underpinnings of the US of A. In the opening sentences of this book, which is highly regarded by the left, which used to only apply to left wing extremists, says “The devil challenged authority and got his own kingdom, and that goes to the heart of what left is really about. That of course is to get power any way you can, including lying, cheating and stealing. The ultimate rule is that the ends justify the means.” This is one of the main playbooks of the left. Their guidance & inspiration comes from the noted and professed atheist and anti-morality proponents Cloward & Piven & Saul Alinsky. All three synonymously agree that America must be destroyed from within and reshaped into a militaristic, socialistic, communistic & fascist state.   Every corporate entity that has been run by our government has been a massive failure and an even worse waste of 100’s of billions of tax payer dollars. These entities become embezzlement vehicles for the corrupt elitist politicians to spread the wealth. This is why they want socialism. Socialism gives them complete and total control of all the money. Look at what the government politicians have done with Medicare & Medicaid, social security, The US Post Office, Amtrak, Fannie Mae & Freddie Mac, The entire exponential congressional budget deficit and on it goes. Now they want government run healthcare. Are we really that dumb? The real reason that they want to control everyone’s money without any account so they can steal $100’s of billions or even trillions of dollars among themselves while the insignificant masses starve to death in the insatiable pit of poverty.   On Sept.10TH, 2001, yes, the day before the 9/11 attacks, Donald Rumsfeld, Secretary of Defense, admitted that the U.S. Pentagon appropriations committee had lost $2.3Trillion which it could not account for. The records for this misappropriation were purportedly located in WTC Building #7 & the area of the pentagon which was destroyed on Sept. 11TH, 2001.   JP Morgan-Between September 1ST & 10TH of 2001, JP Morgan sold $2.2Trillion in additional US Treasury Bonds that HAD NOT been issued by the US Government. All records pertaining to these sales were conveniently destroyed or lost in the Sept. 11TH destruction of WTC Bldg’s 1, 2 & 7.   Fannie Mae & Freddie Mac were under investigation for $1.9Trill. in missing funds documented by the US Dept. of Housing & Urban Development between 1988 & 2000. Conveniently after an indictment was given in August, 2001, these documents were lost in the 9/11 destruction.   Another grand jury indictment was awarded against HUD & Fannie Freddie in Sept. 2008 for having 10 times the securities as mortgages to back them. Conveniently, the following week Hank Paulsen, Secretary of The Treasury announced a mortgage crisis which required all HUD documents to be transferred to the Treasury Dept. Once this was completed and out of the court’s jurisdiction, he and Ben Bernanke changed their mind about the crisis and said it was too late to correct the mortgage problem and began giving trillions in handouts to their Wall Street friends with no strings attached.   The global fiat currency system colludes with corrupt leaders of 3RD world countries by diverting tremendous amounts of currency in reward for participating in the globally corrupt scandal to confiscate the wealth of the masses and transfer that wealth to the Fed. In return, many corrupt 3RD world leaders & governments are protected, made wealthy & elevated in global authority & influence. Nations that will not participate or speak out against our currency are warned & destroyed. Libya, Iraq, Iran, Venezuela, many middle-eastern nations for now.   America’s global superiority is diminished based on mutual participation in the corrupt & deceptive fiat currency system which perpetuates the Fed’s confiscation of citizen’s wealth globally by undermining, inflating & destroying all world currencies. This relationship elevates the authority & influence of many 3RD world and adversarial governments to have a say over the financial decisions and military actions of the US & Fed. This positions & empowers new world leaders to arise where otherwise, finances would be unavailable.   Fed Backed fiat currency allows continued warfare & military action in favor of all participatory leaders & governments perpetuating currency creation & warning defectors.   A fiat currency system is dependent upon debt, debt & more debt on every level. The largest burden is on the taxpayer.   This systematic destruction of nations by the financial monopoly leaders has occurred on countless occasions throughout world history starting as far back as The Roman Empire nearly 1900 years ago which experienced complete and total financial & economic collapse at the same time it was being conquered and burned by invading countries. The financial, moral & governmental breakdown from the inside out weakened & confused Rome to a point that it no longer had the strength, resolve or wisdom to know how or why to defend itself. There was mayhem in the streets. Historians tell us that the Roman military had disband and walked away saying that there was no longer anything to fight for as the republic had been systematically destroyed from within by corruption & greed.   Since its inception in 1913, the Federal Reserve Bank has requested & received, from congress via the taxpayer, over 15 corporate and 10 Third world country bailouts totaling multiple $Trillions $of $Dollars. Debt, Debt & More Debt.   Impending Hyper inflation is the inevitable & undeniable end result of all fiat currency systems. None have survived.   The U.S. Government & Federal Reserve Banks Create, Demand & Require Inflation as a hidden tax.   The U.S. Government & Federal Reserve Banks confiscate the citizen’s wealth through a series of inflationary (expansion) and deflationary (contraction) economic policies. They push debt then confiscate assets and wealth.   Precious Metals respond positively to both Inflationary & Deflationary Economic times.   Precious Metals grow at or beyond the inflation rate of the currency of measurement.   The U.S. Stock Market is inundated with and dependent upon fraud & corruption to succeed. A Ponzi scheme.   Precious Metals do not require the promise or endorsement of any man or entity. They speak for themselves.   The 30 DOW Jones Index stocks are removed & replaced yearly to create false performance records.   From Sept. 2001 to Nov. 2009, The DOW Jones Index has LOST 20% of its value despite intentional substitution & manipulation of the stocks the index is comprised of.   From Sept. 2001 to Nov. 2009, Gold, Silver, Platinum & Rare Coins have all grown by over 300% in value despite ongoing media blackouts as well as harsh bank and stock broker opposition from the fear of loss of control.   $1000 invested in the DOW Jones in 1969(40 years ago) would currently be worth just over $6000.   $1000 invested In Gold in 1969(40 years ago) would currently be worth over $31,000 today.   The explosive casino market of the “dot com craze” of the 1990’s was a debt driven anomaly which is over & done, once & for all, never to return again. DON’T BE FOOLED if your stock broker keeps telling you to hurry up and wait for it to eventually come back. Ask him where his great advice was before your 401K became your 201K or even a 101K?   Hundreds of respected experts and analysts agree that further economic failure is assured before recovery will begin.   Stock Market Will Crash UP!!! Inflation will be used to deceive the average investor. As hyper inflation rates of 50%-100% or more erode the U.S. Dollar, the stock market will grow by 10, 20 or even 30% lulling the trusting and ignorant citizens to sleep while the Inflation Tax quietly confiscates and transfers the remainder of their wealth to the Federal Reserve Banking Cartel.   Throughout U.S. History, U.S. bankers have used crash after crash to appropriate bail-out after bail-out. The lack of U.S. wealth creation assures an impending depletion of U.S. paper backed wealth. The only ones who will survive will be those holding tangible resources and imperishable commodities. BUY PRECIOUS METALS NOW!!! Time is running out!!!   FDIC has only $10Billion remaining, less than the total deposits of each of America’s 100 largest banks. No insurance left!  AVOID PRECIOUS METALS ON PAPER. Hold ONLY physical precious metals. CALL COINSPlus Today @ (509) 444-0044.

COINSPlus, Inc. Spokane (509) 444-0044 3201 N. Division St., Spokane, WA 99207 CONTACT COINSPlus to Protect Your Assets with Precious Metals Now!!!   The World’s economic & political condition underwent a permanent change of course on Sept. 11TH, 2001.   The problem is escalating towards an imminent economic & financial collapse at an exponentially increasing pace.   Successful financial experts are rapidly abandoning the paper investments of yesteryear for the immediate assurance of wealth and capital preservation provided by the timeless security & performance of Precious Metals.   Precious Metals have always been the pinnacle form of real money or true wealth in every civilized society.   Precious Metals are not an “investment”; investments involve real risk of loss.   Is your wealth secured and preserved for an imminent collapse that lies ahead?   PM’s are divisible, portable, recognizable & scarce − making them a stable store of value. It is all things the market needs good money to be and has been recognized as such throughout history.   ***PM’s offer True Financial freedom & liberty, Security & Peace of Mind, tight private, personal control, universal recognition & desirability, continuously insatiable demand, compact storage unit of value-gold 200% as compact as $100 bills, easily recognizable & identifiable, easily countable & weighable, fungible-same everywhere in every condition, incredibly environmentally resistant, non-perishable   Wisdom-balanced & diversified-We are taught that young people can afford risk. How has that proven out? FOOLISHNESS. Young people have time to be safe.   Precious Metals (PM) provide timeless & true Wealth & Capital preservation.   PM’s offer a physical tangible asset in an age of all intangibles. S&P 500 now-95% Intangible. S&P 500 20 years ago-95% tangible.   World view vs. Gods view. Banks encourage accumulation of paper assets for net worth growth which are completely speculative and at 100% risk at all times. God stipulates PM’s which are immune from the whims, deceptions & fundamental failings & errors of mankind. They speak for themselves. The independence & freedom-privacy, anonymity, liquidity & transportability offered by PM’s intimidate the “Establishment”.   PM’s will continue to rise as round after round of QE’s continue the deterioration of the US fiat Dollar   Despite continuous pressured opposition by the all world governments, The IRS, stock brokers, investment advisors, money-managers, CU’s & banks, PM’s have still gained nearly 5,000% over the last 40+ years and over 500-600% since 9/11.   America’s current “Welfare State” is what happens when you let a government of the people and for the people buy the people.   People argue that Social Security & Medicare make sense because people pay in over time or they argue they are good because people need a government safety net for “hard times”. All of this will become a moot point when the US Dollar becomes worthless & US Government defaults on all of its debts due to rapid imminent inflation.   Under Obama, there is now over 50% of the US population dependent upon the government. With Medicare, Social Security, Food Stamps & Welfare, and people directly employed by the government, there are now over 165 Million or 53% of the population financially dependent upon an inevitably defunct entity. This sways votes and sets us up for extreme chaos when the system comes unraveled.   Only those with a significant portion of their holdings in precious metals can hope to survive the imminent coming economic collapse.   Every Great Empire in history has converted to fiat currency and every great empire has fully bankrupted and lost world dominance because of it. The longest a full fiat currency system has lasted is 70 years ending after an “exponential money creation phase” which the US has just begun. America, and the globe, went to a full fiat currency system under the Bretton Woods Act of 1946, Coercing the world to accept the US Dollar as its “world reserve currency”. This is just the 66TH year since our currency became fully fiat. 2016 will be year 70. Will The USA beat the odds and be the only nation in history to pass the 70 year fiat currency barrier? Is that a risk you are willing to take? Should you or your loved ones be subjected to that kind of a risk of losing everything?   President Obama has passed 6 of the most destructively invasive Executive Orders in Americas history, essentially authorizing the executive branch “in the event of a national crisis or emergency” to commandeer complete control and possession of all property and assets of all public and private entities including energy, power, finances, transportation, airwaves, media outlets and so on. NDAA allows US government to indefinitely detain anyone at anytime at home or abroad “suspected” of having “anti-government sentiment or intentions or hostility towards the US Government”.   “We are fast approaching the stage of ultimate inversion: the stage where government is free to do as it pleases while the citizens may act only by permission”. Ayn Rand   When we inflation adjust the 1980 precious metals peak prices of $50 Silver and $750 Gold apply an inflation adjustment from the previous precious metals market peaks of 1980, today’s inflation adjusted precious metals prices only equal to $383 gold & $6.17 silver in spending power. By applying an inflation adjustment from 1980 to 2009 to the “quick spike” Gold & Silver price peaks of 1980, which hit momentary highs of $750 gold and nearly $50 silver, would put the precious metals prices at $2500 gold and $160 Silver just to return to these previous highs in terms of today’s U.S. Dollar.   1980 Spike was caused by a short term paper market frenzy and attempted market cornering by the Hunt brothers. The precious metals market growth that began in 2001 and has continued until now has been a steady rising, regularly contested bull market that has demonstrated the necessary peaks and valleys, floors & ceilings to exemplify the attributes of a legitimate and reasonable bull market run.   Growth since deregulation, 1971-2012-Gold $35 to $1800(4800%), Silver $.86-$35(4000 %+).   Established performance throughout ALL written history- Precious Metals (PM) have remained the pinnacle form of wealth and monetary exchange for every civilized nation & society-without exception and without fail. PM’s have endured every type of global economic, political and natural chaos or catastrophe throughout all written human history.   The U.S. Dollar has lost 99.5% of its spending power from 1913 to 2013. $100 in 1913 is now approaching $20,000 in 2009.   Definition of Inflation: An increase in the supply of money.   Inflation is war on the poor & middle class. It confiscates the wealth of those who live paycheck to paycheck diminishing their buying power and forcing eventual governmental dependence over time.   Monetary Inflation-Creation of money from nothing. Monetary inflation is institutionalized counterfeiting, which means it is a form of theft. Should be obvious that no economy could ever benefit from an increase in the amount of theft.   Monetary Inflation creates boom-bust cycles: Worse damage is not the reduction in purchasing power but the distortion in relative prices leading to mal-investing and the large scale destruction of wealth.   Dot-Com craze caused by runaway money creation and transfer of our debt addiction to the world. One time in history event just as the roaring 20’s were a onetime domestic phenomena driven by technology so was the dotcom craze a onetime phenomena driven by technology transferring our system worldwide   Negative real interest rates necessary-stagflation-Interest rates decrease as cost of goods increase-cost inflation-caused by monetary inflation.   Credit crunch-caused by every person, corporation & government entity being tapped out in debt, unable to carry any more payments and not experiencing business growth to service debt or cover interest accumulation.   Quote from John Maynard Keynes-Architect of Keynesian Economics- “The best way to destroy the capitalist system is to debauch the currency. By a continuing process of inflation, governments can confiscate, secretly and unobserved, an important part of the wealth of their citizens. By this method they confiscate arbitrarily impoverishing many yet enriching some; thereby encouraging the demand for the edistribution of wealth.”   DJIA & S&P500 Index Brief Overview: Artificially manipulated markets with deceptive removal and replacement policies for failing stocks. Even despite these unethical accounting practices, these indexes have still been unable to show anything better than a zero gain in over a decade while monetary inflation (creating money from nothing) has increased over 200% from $5Trillion to over $16Trill.   Paper money fraud-Fed no longer reports full M3 creation. Many indications of far more money created than what has been reported-Look at publically admitted dollar amounts of Dept. of Defense & Fannie Freddie losses alone-These two together nearly $10Trill. And all M3 money worldwide is $16Trill? No dollar accountability. All handled by The Fed which is a private “for profit” corporation.   The U.S. Dollar is rapidly losing favor worldwide. The UN has promised a new “dollar free” one world currency.   China has accumulated the world’s largest reserves of crude oil & gold in non-COMEX deliverable form to back the move to host a new replacement world reserve currency in conjunction with Russia, Japan & numerous other countries. China’s introduction of a replacement “World Reserve Currency” will immediately collapse the dollar overnight and begin an immediate US Dollar implosion in value as never seen before.   CPI-Consumer Price Index used by our gov’t to calculate & report inflation figures is an exclusionary index which does not include food, transportation, real estate or energy costs. These excluded expenses are what the average American consumer spends 85% of their disposable income on. A simple calculation of inflation rates derived from these excluded items reveals that since 09/11/2001 inflation has grown at a rate between 10% & 12% which is 3-4 times what our government’s statistics are continuously claiming.   Gold has risen in value by nearly 5000% in the 40+ years since their deregulation in 1971. That’s well over 100%/year average.   The Precious Metals Bull Market is poised to run based on escalating turmoil and scarcity of metals themselves   Precious Metals have never lost their value or become “worthless”. They are ever stable.   Precious Metals have maintained their spending power for thousands of years.   Precious Metals are universally recognized and accepted, anytime or anywhere worldwide.   Precious Metals are private, anonymous, transportable & immediately liquid anywhere & at any time globally.   The current administration is working to increase U.S. M2 Dollar supply from $10Trill in 2008 to $20 Trill in 2009 and up to $40 Trill in 2010. Total U.S. Debt held by all entities exceeds $120Trill. & rapidly rising. The USA is Bankrupt.   Fiat Currency System-The Federal Reserve System is a fiat (false or replacement) currency system which creates money from thin air. Fiat money is not good money because it can be issued without limit and therefore cannot act as a stable store of value. A fiat monetary system gives complete discretion to those who run the printing press, allowing governments to spend money without having to suffer the political consequences of raising taxes. Fiat money benefits those who create it and receive it first, enriching government and its cronies. And the negative effects of fiat money are disguised so that people do not realize that money the Fed creates today is the reason for the busts, rising prices and unemployment, and diminished standard of living tomorrow.   FDIC is fully bankrupt and insolvent and has actually acquired over $2Billion in debt against no monetary assets.   Constitutional rights to privacy gone-Patriot Act-Wire taps, indefinite detainment of anyone/anywhere/anytime: Internet usage, Bluetooth & wireless devices, computers & laptops, laptop & phone cameras, cell phones, electronics with microphones, GPS & auto navigation systems; credit card, debit card & check usage, social media networking & facial recognition software, RFID & smart chips in everything, public & private camera coverage. ASK.com-ran by CIA,   Barrack Hussein Obama is destroying Our Economy on Purpose through the Cloward & Piven Strategy of imposing socialism on America. The plan calls for the destruction of capitalism in America by swelling the welfare rolls to the point of collapsing our economy and then implementing socialism by nationalizing many private institutions,” It explains & educates leaders on how to destroy jobs and productivity, create runaway deficit spending, fuel skyrocketing healthcare costs & expenses and then hang the entire system on the back of the U.S. government. This alone is designed to lead the entire world into full blown Marxist-socialism with nowhere left for a true democracy to birth or find refuge.   Saul Alinsky: A radical left wing Marxist who wrote “Rules For Rebels”, the strategy book used by Obama for the methodical destruction of the rule & reign of democracy as we know and the republic underpinnings of the US of A. In the opening sentences of this book, which is highly regarded by the left, which used to only apply to left wing extremists, says “The devil challenged authority and got his own kingdom, and that goes to the heart of what left is really about. That of course is to get power any way you can, including lying, cheating and stealing. The ultimate rule is that the ends justify the means.” This is one of the main playbooks of the left. Their guidance & inspiration comes from the noted and professed atheist and anti-morality proponents Cloward & Piven & Saul Alinsky. All three synonymously agree that America must be destroyed from within and reshaped into a militaristic, socialistic, communistic & fascist state.   Every corporate entity that has been run by our government has been a massive failure and an even worse waste of 100’s of billions of tax payer dollars. These entities become embezzlement vehicles for the corrupt elitist politicians to spread the wealth. This is why they want socialism. Socialism gives them complete and total control of all the money. Look at what the government politicians have done with Medicare & Medicaid, social security, The US Post Office, Amtrak, Fannie Mae & Freddie Mac, The entire exponential congressional budget deficit and on it goes. Now they want government run healthcare. Are we really that dumb? The real reason that they want to control everyone’s money without any account so they can steal $100’s of billions or even trillions of dollars among themselves while the insignificant masses starve to death in the insatiable pit of poverty.   On Sept.10TH, 2001, yes, the day before the 9/11 attacks, Donald Rumsfeld, Secretary of Defense, admitted that the U.S. Pentagon appropriations committee had lost $2.3Trillion which it could not account for. The records for this misappropriation were purportedly located in WTC Building #7 & the area of the pentagon which was destroyed on Sept. 11TH, 2001.   JP Morgan-Between September 1ST & 10TH of 2001, JP Morgan sold $2.2Trillion in additional US Treasury Bonds that HAD NOT been issued by the US Government. All records pertaining to these sales were conveniently destroyed or lost in the Sept. 11TH destruction of WTC Bldg’s 1, 2 & 7.   Fannie Mae & Freddie Mac were under investigation for $1.9Trill. in missing funds documented by the US Dept. of Housing & Urban Development between 1988 & 2000. Conveniently after an indictment was given in August, 2001, these documents were lost in the 9/11 destruction.   Another grand jury indictment was awarded against HUD & Fannie Freddie in Sept. 2008 for having 10 times the securities as mortgages to back them. Conveniently, the following week Hank Paulsen, Secretary of The Treasury announced a mortgage crisis which required all HUD documents to be transferred to the Treasury Dept. Once this was completed and out of the court’s jurisdiction, he and Ben Bernanke changed their mind about the crisis and said it was too late to correct the mortgage problem and began giving trillions in handouts to their Wall Street friends with no strings attached.   The global fiat currency system colludes with corrupt leaders of 3RD world countries by diverting tremendous amounts of currency in reward for participating in the globally corrupt scandal to confiscate the wealth of the masses and transfer that wealth to the Fed. In return, many corrupt 3RD world leaders & governments are protected, made wealthy & elevated in global authority & influence. Nations that will not participate or speak out against our currency are warned & destroyed. Libya, Iraq, Iran, Venezuela, many middle-eastern nations for now.   America’s global superiority is diminished based on mutual participation in the corrupt & deceptive fiat currency system which perpetuates the Fed’s confiscation of citizen’s wealth globally by undermining, inflating & destroying all world currencies. This relationship elevates the authority & influence of many 3RD world and adversarial governments to have a say over the financial decisions and military actions of the US & Fed. This positions & empowers new world leaders to arise where otherwise, finances would be unavailable.   Fed Backed fiat currency allows continued warfare & military action in favor of all participatory leaders & governments perpetuating currency creation & warning defectors.   A fiat currency system is dependent upon debt, debt & more debt on every level. The largest burden is on the taxpayer.   This systematic destruction of nations by the financial monopoly leaders has occurred on countless occasions throughout world history starting as far back as The Roman Empire nearly 1900 years ago which experienced complete and total financial & economic collapse at the same time it was being conquered and burned by invading countries. The financial, moral & governmental breakdown from the inside out weakened & confused Rome to a point that it no longer had the strength, resolve or wisdom to know how or why to defend itself. There was mayhem in the streets. Historians tell us that the Roman military had disband and walked away saying that there was no longer anything to fight for as the republic had been systematically destroyed from within by corruption & greed.   Since its inception in 1913, the Federal Reserve Bank has requested & received, from congress via the taxpayer, over 15 corporate and 10 Third world country bailouts totaling multiple $Trillions $of $Dollars. Debt, Debt & More Debt.   Impending Hyper inflation is the inevitable & undeniable end result of all fiat currency systems. None have survived.   The U.S. Government & Federal Reserve Banks Create, Demand & Require Inflation as a hidden tax.   The U.S. Government & Federal Reserve Banks confiscate the citizen’s wealth through a series of inflationary (expansion) and deflationary (contraction) economic policies. They push debt then confiscate assets and wealth.   Precious Metals respond positively to both Inflationary & Deflationary Economic times.   Precious Metals grow at or beyond the inflation rate of the currency of measurement.   The U.S. Stock Market is inundated with and dependent upon fraud & corruption to succeed. A Ponzi scheme.   Precious Metals do not require the promise or endorsement of any man or entity. They speak for themselves.   The 30 DOW Jones Index stocks are removed & replaced yearly to create false performance records.   From Sept. 2001 to Nov. 2009, The DOW Jones Index has LOST 20% of its value despite intentional substitution & manipulation of the stocks the index is comprised of.   From Sept. 2001 to Nov. 2009, Gold, Silver, Platinum & Rare Coins have all grown by over 300% in value despite ongoing media blackouts as well as harsh bank and stock broker opposition from the fear of loss of control.   $1000 invested in the DOW Jones in 1969(40 years ago) would currently be worth just over $6000.   $1000 invested In Gold in 1969(40 years ago) would currently be worth over $31,000 today.   The explosive casino market of the “dot com craze” of the 1990’s was a debt driven anomaly which is over & done, once & for all, never to return again. DON’T BE FOOLED if your stock broker keeps telling you to hurry up and wait for it to eventually come back. Ask him where his great advice was before your 401K became your 201K or even a 101K?   Hundreds of respected experts and analysts agree that further economic failure is assured before recovery will begin.   Stock Market Will Crash UP!!! Inflation will be used to deceive the average investor. As hyper inflation rates of 50%-100% or more erode the U.S. Dollar, the stock market will grow by 10, 20 or even 30% lulling the trusting and ignorant citizens to sleep while the Inflation Tax quietly confiscates and transfers the remainder of their wealth to the Federal Reserve Banking Cartel.   Throughout U.S. History, U.S. bankers have used crash after crash to appropriate bail-out after bail-out. The lack of U.S. wealth creation assures an impending depletion of U.S. paper backed wealth. The only ones who will survive will be those holding tangible resources and imperishable commodities. BUY PRECIOUS METALS NOW!!! Time is running out!!!   FDIC has only $10Billion remaining, less than the total deposits of each of America’s 100 largest banks. No insurance left!   AVOID PRECIOUS METALS ON PAPER. Hold ONLY physical precious metals. CALL COINSPlus Today @ (509) 444-0044.

Today's episode features Jason Hartman covering a wide range of issues. The topic of conversation ranges from the coming singularity, what it is, when we might see it, etc, then branches into more on the discussion about Automated Valuation Models (AVMs) and whether they're are the precursor to reckless valuations like we saw before the Great Recession. Jason also looks at the unfortunate situation Venezuela finds them in, with both rampant inflation and a natural disaster on top of it creating serious issues for the citizens of the nation. And finally Jason listens to some of his favorite investigative journalists work as he discusses why investigative jouralism is important and how it is connected to his 3 guiding principles. Key Takeaways: [3:07] The approaching singularity [7:47] The database Jason was wondering about in relation to Automated Valuation Models exists with Fannie Mae/Freddie Mac [10:05] Appraisers are a dying industry because the older ones are retiring and the hoops new appraisers have to jump through are hindering new hires [11:45] Will AVMs cause reckless valuations to return? [14:11] The IMF has announced that inflation in Venezuela this year alone has been 1,000,000% [17:07] Asset price inflation is not a part of the inflation index in the USA, which is a big deal [22:17] The 2 major problems of the humble single family home [26:11] Investigative journalisms ties to Jason's principles of how you can't hear the dogs that don't bark, compared to what, and what gets rewarded get repeated Website: Profits in Paradise Jason Hartman's Alexa News Briefing The PropertyCast John Stossel

Government-backed multifamily financing are multifamily loans sponsored by Fannie Mae, Freddie Mac, as well as the FHA. There are more than 5 government-backed multifamily financing options available to investors which can either finance properties with 2 – 4 units or properties with 5+ units. Government-backed multifamily financing have terms between 5 – 35 years and are issued by government-approved mortgage lenders. Schedule A Free Coaching CallVisit Tim & Julie Harris OnlineListen on iTunesListen on Stitcher

Listen to what the LOAN DECISION MAKERS are looking for to approve your apartment loan. We had an in depth discussion, in front of over 450 investors at the Old Capital Multifamily Conference, last month in Dallas. You will take away a few nuggets of underwriting information that will help you succeed in financing your apartment transaction. To receive our FREE 15 page WHITE PAPER REPORT on the 2017 FUNDAMENTALS OF MULTIFAMILY FINANCING 101 and to learn more about upcoming events at Old Capital Speaker Series please visit us at OldCapitalPodcast.com Are you interested in learning more about how Multifamily Syndications work? Please visit www.spiadvisory.com to learn about Michael's Real Estate Syndication business with SPI Advisory LLC.

In the intro portion of the show Jason is joined by Pat Donohoe to discuss the many sides of the smoke and mirrors gambit known as Wall Street. Including the differences in the investments of the middle-class and the elites, how derivatives are used to hedge bets,  and technology as a deflationary force. During the interview, Jason speaks with a new lender, Shannon, about the opportunities available to those who have exhausted their Fannie Mae/Freddie Mac 10 property limit and for foreign nationals. Key Takeaways: [01:47] Details from dinner with Tim Ferriss in Austin. [06:57] Inflation, deflation and stagnation are the three basic economic maladies. [10:47] Asset inflation in the stock market. [15:01] There are more derivatives in circulation than during the collapse of 2009.   [27:30] Information for upcoming Meet the Masters and Venture Alliance events.   New Lender Shannon Interview Part 1:   [29:48] Shannon explains the LTV ratio, rates and terms of the Investor Cash Flow Program. [36:47] New lending opportunities for foreign nationals. Mentioned in This Episode: Jason Hartman Be Your Bank Meet the Masters of Income Properties Event Venture Alliance Mastermind

#133: Now you can put just a 20% down payment on your first 10 financed properties. Requirements for cash reserves are now lower too. We discuss the details. You need a loan for income property. Loans mean leverage. Leverage can produce great rates of return for you in an appreciating environment Graham Parham, Senior Mortgage Loan Officer with Highlands Residential Mortgage talks about today’s terms for income property loans on 1-4 unit properties: down payment, interest rates, credit score, reserve requirements, debt-to-income ratios and more. We’re talking about conventional Fannie Mae / Freddie Mac financed property requirements on non-owner occupied real estate. Keith brings you today’s show from Philadelphia, PA. Want more wealth? Visit: 1) www.GetRichEducation.com to subscribe to our free newsletter.  2) www.GREturnkey.com for actionable turnkey real estate investing opportunities. Listen to this week’s show and learn: 01:30  Keith thinks that real estate will keep appreciating for a while, though at a slower rate. 04:35  20% down payments in your first ten 1-4 unit properties! Details. 06:57  Reserve requirements are now more loose. It’s now based on your unpaid balances. 11:12  Husband and wife: up to 10 loans each. 12:27  Home Equity Lines Of Credit and your Debt-To-Income Ratio. 15:14  The advantage of using an income property-oriented Mortgage Loan Officer. 19:00  Interest rates: owner-occupied vs. investor mortgage rates. 21:55  Down payments of 20% vs. 25%. Lower interest rate with 25% down? 23:57  Mortgage sequencing when you want multiple loans. 27:36  Looser lending climate today. 30:46  Property inspection reports. Resources Mentioned: Graham Parham Team: 1-855-326-6802 TexasInvestorLoans.com GREturnkey.com NoradaRealEstate.com TheRealAssetInvestor.com/GRE HighlandsMortgage.com MidSouthHomeBuyers.com GetRichEducation.com

Fannie Mae/Freddie Mae Loans currently at 10 loans or 10 golden ticketsSome Credit Unions have portfolio loans but its all going back to the GovernmentAs of 4/2017 - 0 to 6 rentals is in one book (guidelines) 7-10 is in the other book1) Credit Score - 720 or greater in spots 7-10 2) Assets - Liquid and Non-Liquid for downpayment (must be sourced and seasoned 2-months liquid) and cash reserves needs 1-6 liquid or non liquid for subject property needs to show 6 months PITI plus 2 months for each other property in additiona. For property 7-10 you need 6 months PITI for all properties3) Dept to Income (DTI) - 50% We get to use 75% of the supposed rents as income in DTI LOE - Letter of ExplainationPrice adjustments30 day rate lockTiming the appaisalPortfolio loansDelayed Financing#LaneHack #JustTheTipLooking for a passive fund that invests in distressed notes?SimplePassiveCashflow is proudly sponsored by www.investinahp.comTime is the most important resource! Email Lane@simplepassivecashflow.com for a free 10-hour trial with the same VAs I use Please leave a review? Or Share on Facebook! Please!https://itunes.apple.com/us/podcast/simplepassivecashflow.com/id1118795347Sign-up Here for ‘Hui” Deal Pipeline Club: https://docs.google.com/forms/d/1gulyiaz7_gb8koqGl91bGPz-mdwlBVz-PcvXDOXOL5YJoin a Social Club:Seattle: https://www.facebook.com/groups/SPCHUISEA/Hawaii: https://www.facebook.com/groups/SPCHUI808/Portland: https://www.facebook.com/groups/SPCHUIPDX/Bay Area: https://www.facebook.com/groups/SPCHUIBAY/So Cal: https://www.facebook.com/groups/SPCHUISOCAL/East Coast: https://www.facebook.com/groups/SPCHUIEAS/Central USA: https://www.facebook.com/groups/SPCHUICUS/Once you have gone through the majority of podcasts feel free to sign up for a chat! And be let into the Secret Hui Facebook Page.https://calendly.com/simplepassivecashflow/20Looking for mentorship/turnkey services/apprenticeship/partnership:https://docs.google.com/document/d/1K8jFe2GS6uJ5O3f1z8qNjMsSf6Vk4gH6zbfJjEumIQoSummary of every Simple Passive Cashflow Podcast: https://drive.google.com/open?id=1banG1R0TKhv_ji54tsZMbYJ8iikr9Ib103ZUeYse_ts See acast.com/privacy for privacy and opt-out information.

Many of you have trusted us with your past and ongoing real estate investment transactions and we appreciate it. We take time in today's episode to share your successes with others, discuss the joy of seeing you at live events and invite you to contact us if you would like to be on the show. We enjoy having you as clients and we are happy to offer you the type of service that a group of our size can acquire. Your investment portfolio's are leading you towards financial freedom and your stories are inspirational. Thanks and congratulations from our entire team.    Key Takeaways: [1:42] Talking directly to you the clients and the listeners [3:17] Freedom is the benefit of investments [3:55] Fannie Mae/Freddie Mac guidelines - 10 loan per person limit [4:50] Congratulations to those building great portfolios! Add applause here [6:29] Russ - a real client story about firing his boss [9:06] Kathy from California signed up for JHU Live [9:30] Congrats to Jessie for a recent close of properties in Memphis [10:01] Over Diversification is more than 3-5 markets  [10:50] Getting clients to open up about their goals from the beginning   [13:00] Feedback helps you to consolidate and double down in a few good markets  [16:06] A B market with an A team is better than an A market with a B team [18:00] Our organization gives you leverage through quantity [18:57] The soft factors are personalities  [19:54] Free shirts for investment therapists and matchmaking [21:05] It truly is still a Mom and Pop business structure which preserves our opportunities [23:26] Toby's personal experience of a 19 property portfolio [25:17] A shout out to Andy & Stacy for continued success [26:09] The shoulda coulda woulda mentality  [27:04] Damon & Bill working land contracts  [29:03] We'd love to have you on the show  [30:18] JHU Live & Venture Alliance events are coming up soon [31:34] Lifetime rental coordination through our organization [32:03] Come out and meet us at our live events at least once a year   Mentions: JHU Live - Register here  JasonHartman.com   reviews@jasonhartman.com for 30% off 

Dr. Kim Manturuk is the Senior Research Associate in Financial Services at the Center for Community Capital, a research institute at the University of North Carolina at Chapel Hill. Presently, her research focuses on the social and financial impacts of home-ownership in urban neighborhoods. Her recent research has appeared in Socio-Economics, Social Service Review, Social Science Research, and the Journal of Urban Affairs. She received her PhD in sociology from the University of North Carolina in Chapel Hill. Our topics include : Social Benefits Home Ownership vs Renting Civil Engagement because of Home Ownership Mental Health Benefit of Home Ownership! Dr. Manturuk's research and testimony has been called in front of the House of Representatives as a source for future policy making for our nations housing crisis. Also, most national housing agency, like Fannie Mae/Freddie Mac use her research to help craft agency goals. The National Realtor Association use her research as well! Everyone quotes her....The Housing Hour has her...this Saturday!

Dr. Kim Manturuk is the Senior Research Associate in Financial Services at the Center for Community Capital, a research institute at the University of North Carolina at Chapel Hill. http://www.thehousinghour.com/shows/social-importance-of-homeownership/ Presently, her research focuses on the social and financial impacts of home-ownership in urban neighborhoods. Her recent research has appeared in Socio-Economics, Social Service Review, Social Science Research, and the Journal of Urban Affairs. She received her PhD in sociology from the University of North Carolina in Chapel Hill. Our topics include : Social Benefits Home Ownership vs Renting Civil Engagement because of Home Ownership Mental Health Benefit of Home Ownership! Dr. Manturuk's research and testimony has been called in front of the House of Representatives as a source for future policy making for our nations housing crisis. Also, most national housing agency, like Fannie Mae/Freddie Mac use her research to help craft agency goals. The National Realtor Association use her research as well! Everyone quotes her….The Housing Hour has her…this Saturday! Plus her research can also be found in the latest book click on photo to order yours today!

SPONSOR:  AMERICAN NEGOTIATORS - 972-200-1187 or 866-865-3977.  http://www.savedfromdebt.com/ SPECIAL GUEST CO-HOST  'SHOTGUN" The world will only have to wait a few more weeks to find out whether Fannie Mae and Freddie Mac will allow principal reductions on mortgages they back. The Federal Housing Finance Agency will decide this month whether Fannie and Freddie should allow write downs on the balances of borrowers who owe more than their homes are worth, said Ed DeMarco, acting director for the agency Fannie and Freddie have been at the center of a tug-of-war over fixing the housing market. They have long resisted calls to write down the balances on the loans in their portfolio, saying it would be too costly for taxpayers.   http://money.cnn.com/2012/04/09/news/economy/mortgages-principal-reduction/index.htm?iid=HP_LN    

SPONSOR:  AMERICAN NEGOTIATORS - 972-200-1187 or 866-865-3977.  http://www.savedfromdebt.com/ SPECIAL GUEST CO-HOST  'SHOTGUN" The world will only have to wait a few more weeks to find out whether Fannie Mae and Freddie Mac will allow principal reductions on mortgages they back. The Federal Housing Finance Agency will decide this month whether Fannie and Freddie should allow write downs on the balances of borrowers who owe more than their homes are worth, said Ed DeMarco, acting director for the agency Fannie and Freddie have been at the center of a tug-of-war over fixing the housing market. They have long resisted calls to write down the balances on the loans in their portfolio, saying it would be too costly for taxpayers.   http://money.cnn.com/2012/04/09/news/economy/mortgages-principal-reduction/index.htm?iid=HP_LN    

Aaron and Porter welcome famed contrarian investor David Dreman to the program where they discuss his views on investment performance, Fannie Mae / Freddie Mac and the credit crisis.  Plus, Porter wants in at Augusta.

Jason Hartman starts this episode with a discussion of incredible financing for foreign investors looking to buy American real estate, self-directed IRA investors and those who have exceeded the 10 property/10 mortgage Fannie Mae/Freddie Mac loan limits or have lower FICO scores.  Here are some notes on the program with details explained in the show audio: 30% down, 70% LTV, fully amortized over 15 or 20 years with adjustable rates starting at only 5.5% or 5.75% and 2% adjustment caps every three or five years at one point or $1,000 loan fee. The index is Wall Street Journal (WSJ) prime rate + a 1% margin. Only available in Dallas Fort Worth market area.We're putting enough real estate and business brainpower in one room to make Donald Trump flinch. Enjoy this content-rich sampler of "Meet The Masters" our twice annual powerhouse educational event that can revolutionize how you think about money and wealth. Listen in and it can make all the difference if you simply have the courage to take action on your dream. The reality is you can fire your boss and live life on your own terms sooner than you think. Wall Street Investing Does NOT Lead to Financial Freedom.

Congress is seeking to end the practice of paying million-dollar bonuses to executives at government-controlled mortgage giants Fannie Mae and Freddie Mac. The House Financial Services Committee approved legislation Tuesday that would suspend tens of millions in Fannie and Freddie executive compensation packages, stop future bonuses and align their salaries with other federal employees who make much less. The vote was 52-4, with strong support from both parties. The Senate is expected to take up a similar measure. Lawmakers say the legislation limiting pay at the bailed-out firms could be sent to President. SPONOR: www.texaslending.com

Congress is seeking to end the practice of paying million-dollar bonuses to executives at government-controlled mortgage giants Fannie Mae and Freddie Mac. The House Financial Services Committee approved legislation Tuesday that would suspend tens of millions in Fannie and Freddie executive compensation packages, stop future bonuses and align their salaries with other federal employees who make much less. The vote was 52-4, with strong support from both parties. The Senate is expected to take up a similar measure. Lawmakers say the legislation limiting pay at the bailed-out firms could be sent to President. SPONOR: www.texaslending.com

The government's rescue of Fannie Mae Freddie Mac and AIG demonstrated clearly that the financial turmoil continues on Wall Street. In an interview with Knowledge at Wharton Wharton finance professor Jeremy Siegel says there are some positive signals in stocks and corporate earnings but that it's too soon to conclude the market has hit bottom. Siegel also talked about inflation and commodities. See acast.com/privacy for privacy and opt-out information.