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1. New business working capital lines and loans from $2500 up to $100,000. These programs are unsecured and typically require no documentation, only a short application in most cases. A personal guarantee is required but these unsecured loans and lines do not show up on the borrower’s personal credit!

2. Convert funds from 401k(s) and qualifying employer-sponsored retirement plans into working capital without incurring tax burdens or penalties. This is not borrowing against your 401k(s).

3. Turn future Visa/MC sales into cash now! No credit card sales yet? Set up with our processor and gain easy access to this cash program with competative rates and terms. It’s not a loan. It’s a true advance with a painless and flexible repayment schedule.

4. Self-direct your IRA(s) as a much needed cash injection for the business. There are no penalties and the IRA maintains its tax advantages. Also, ask us about IRA-based commercial real estate investing.

5. Sell future payment(s) for today’s cash value. Qualifying payments include:

A structured legal settlement.
An assignable investment annuity.
A private mortgage note you or an interested party holds.

 

www.ipaycash4re.com

I received this in a monthly newsletter from a “Financial Planner”

” And the Number Is …

Although past performance cannot predict future results, fluctuations in the financial markets and inflation can be instructive when choosing an annual withdrawal rate. To provide an idea of how much might be withdrawn annually from a portfolio so that it would be likely to last 30 years or more, Standard & Poor’s looked at the actual record for stocks, bonds and inflation and analyzed all possible 30-year holding periods since 1926. It determined that the average sustainable withdrawal rate for a portfolio composed of 60% U.S. stocks and 40% long-term Treasury bonds was about 5.8% per year when adjusted for inflation.

In view of the variability of inflation and investment returns, as well as the risk of living beyond your average life expectancy, you may want to err on the side of caution and choose an annual withdrawal rate somewhat below 5.8%. The goal, after all, is to crack your nest egg in such a way that it will provide a reliable stream of income for as long as you live. That may mean taking out less in the early years of retirement with the hope of having sufficient income for your later years.”

Meaning that if you wanted to live on about $95,000 per year every year then you would have to have close to $1.7 Million in your retirement fund (IRA, 401K etc). Also that same $1.7 Million must be making at least 6% per year to keep up with your withdrawls so it will not lose money and die out. Also we must assume that the investments contained within do not lose money themselves…..I wonder if anyone has anything like this? I guess if you are in the alternative retirement system you’ll be okay, but this traditional one is on the way out and the sooner the better for retirees!

Credit: Owning a home helps you establish financial credibility. Independence: Owning your own home provides you with independence and more privacy than renting. You are free to paint walls, plant flowers, keep pets and anything else within legal bounds.    Investment: As you make more payments and own more of your home, you add to its investment value. Most improvements you make will also add to its value. Pride: A home reflects its owner’s values and lifestyle. Owning a home can provide you with a source of pride, enjoyment and satisfaction. Security: A home can provide security against inflation because the value of your home increases as prices go up. Stability: Being established in a community provides a sense of belonging, stability and security. Tax Advantages: Interest on your mortgage loan is deductible on your yearly personal income tax return. Many of the closing costs associated with purchasing your home are deductible, as are your property taxes.

What is an inspection? There are numerous types of inspections. An inspection is meant to evaluate, at minimum, the structural and mechanical condition of a property. It is not the same as an appraisal which evaluates the market value of a property. Persons involved in real estate transactions need unbiased information about the physical condition of property they plan to buy or sell and your contract should include a contingency that you obtain a satisfactory inspection report. Talk with your agent about the types of inspections available.Home Inspectors vs. Engineers Home Inspector: A person who examines any component of a building, through visual means and through normal user controls, without the use of mathematical sciences.  Engineering: Analysis or design work requiring extensive preparation and experience in the use of mathematics, physics, chemistry and the engineering sciences. Finding a qualified Inspector Referrals from satisfied customers Referral from a local real estate agent or mortgage company Local consumer affairs office Yellow Pages under “Building Inspection Services” Ask if she/he is a member of the American Society of Home Inspectors (ASHI). The ASHI has established standards of practice which include the specific services, limitations and exclusions that can be expected from private home inspectors. What the inspection, at minimum, includes Every inspection should include, but not be limited to, an evaluation of at least the following: Foundations Plumbing and electrical systems Doors Ceiling, walls and floors Roof Hazardous materials concerns Heating and air conditioning systems Common areas (in condominiums) Insulation Ventilation

This blog is not about any sort of technicalties or “expert opinions” and subject to the whims of the author. Nothing really…just something to start out with.

They say that the #1 rule in investing is to diversify or the more trendy term was proper asset allocation. The basic theory goes is not to have all your investment eggs in one basket (ie: the tech sector relating to stocks). Really in the investing arena you should be diversified amongst several types of investments as well as investment classes, each one carrying its own risk/reward/comfort model.

Well this got me thinking that in today’s 21^st Century economy one should not only be diversified with their investments but with their income as well. People, who are only working their 9-5 daytime job and that it, have all their income eggs in one basket. So when their sector of the economy takes a turn for the worse where will they be?

We learned about this diversification in Los Angeles in the early 1980s where the high desert had the aerospace industry and the basin had filmmaking and music (essentially Hollywood). When those industries left or took a downturn the entire area suffered. Since then the Southland has done quite well in diversifying where, how and when the economy feeds itself, in other words gets paid.

I think each individual can take a lesson from the Southland’s previous downturn and subsequent recovery. If someone were to lose their only source of income, where will they be? To make matters worse what if that worker has mouths to feed? Then the only source of income to sustain life has now been taken away, so what’s Plan B? Plan B should be your part time business that you are now ready, willing and able to ramp up to full time or at least more part time. Something the entire family can get behind and join in on.

Real estate touches so many different aspects of one’s life that an agent or broker could easily add on extra value-added services to strengthen their past relationships and develop a pipeline of future clients to boot. Well if this great economy has taught us anything it’s that we need to have a multitude of skill sets in order not to just survive but to flourish.

You can find great local Norwalk, California real estate information on Localism.com Matt Malouf is a proud member of the ActiveRain Real Estate Network, a free online community to help real estate professionals grow their business.

So I live out here in sunny SoCal and we just had our nice little 6.1 Magnitude EQ…..I’m on the 12th floor of my building and we sure were rockin’ and swaying!! Anyways for the past 30 min I’ve been on the phone hitting redial trying to reach any family or friends and guess what?? Not a single solitary cellphone signal from any of them (all on different carriers). Wow I thought the cell phones were supposed to safe and sucure and able to handle an emergency….well guess what anyone who is plugged-in and completely wireless, if you’re out in the field UR SCREWED!!

Plain and simple you’re outta luck cuz that nice little telecomm service that we all pay too much for just failed, the one time you actually NEEDED to use it. Well I don’t know about anyone else but I am going to be requesting my money back for this month tonight! I sincerely hope that everyone who experienced the same difficulties will do the same and clog and flood the wireless companies lines with demands, because I won’t be requesting it, that they give me my hard earned money back for a “service” they failed to provide, especially in a time of need.

I think any of us in a service-related industry should take a moment to sit back and realize what’s important here, namely family and friends. If we cannot reach them in a time of need (now just wait until there’s a real crisis) then what are we doing??

Actually the funny thing is that I was able to reach all my friends and family via email and chat. I suspect that this was only becuase the size of the EQ was not all that big…..yet I still fear that in the event of a catasptrophe, forget it as it’ll be like the retirement years YO-YO (Your On Your Own).

Enjoy and hope your day ROCKED as much as mine!!