Archive for December, 2009

Cash is cash, but some cash flow is better than others — and easier to obtain – particularly when it comes to purchasing residential real estate investment properties.  For instance, compare a 6-unit apartment complex with a Tri-plex and a Single Family Residence (SFR).

6-unit complex                        $280,000 purchase price     $3600/mo rental income

Tri-plex                                    $150,000 purchase price     $1800/mo rental income

SFR                                         $150,000 purchase price     $1100/mo rental income

Which do you think is the best deal for the typical investor?  The 6-unit property offers the same rental income per unit ($600), but is cheaper per unit than the Tri-plex, so is this the best investment? Continue reading ‘Not All Cash Flow Investment Properties Are Created Equal – Get the Right Mix of Financing and ROI’ »

Many schools have found themselves facing budget cuts in recent years. In order to offset these cuts, many are turning to fundraising in order to raise money for after school programs and other school needs. Here are a few great fundraising ideas to help your school raise some money.

For agricultural programs, selling fruits is a great way to earn some money. People are more likely to spend money on things they will actually use. Fruit is perfect to sell in late fall for delivery before Christmas. This allows people to order fruit baskets or create their own to give as gifts. Continue reading ‘School Fundraising Ideas’ »

While mutual fund investing has exploded over the past 50 years to become one of the most popular forms of investing anywhere, there are still possible pitfalls that you can fall into if you’re not careful. Investing is still a risky business, even if everyone is doing it. Here are some tips to help you through any problems you might have.

One common criticism of mutual fund investing is that they don’t have a high enough return on their investment and that index funds, which aren’t as popular have historically returned a higher investment than the much more popular actively managed funds. Continue reading ‘The Bad Things About Mutual Funds’ »

What will your retirement account look like when you reach that age when it will be your only means of living? Well let me tell you, there is a surprising kick of reality when most people consider their final forecast for their retirement savings. In this article, we will compare the three scenarios mentioned in the title, and see how well they will each provide a retirement.

But lets ask a question, first. When you consider the long-term value of your retirement savings, does it look like you will have poor living conditions when you retire, or doe is look like you will be well off? Does it even look like you will be able to retire at all as you have planned?

With the current losses that have been imposed on those having a 401k, it becomes obvious that we need to use other means of securing a nest-egg for our golden years. And there are several options aside from having a 401k. Continue reading ‘How Does Your 401k, IRA, and Certificates of Deposit Compare in Their Value to You?’ »

There are three key components to becoming a successful real estate investor. Surprisingly, they are not money, luck or talent, despite what many believe. Veteran investors, who have a long-term, successful track record, focus on these three things:

1. Systems
2. Relationships
3. Follow-through

Here’s how the system works:

1. Systems: The foundation on which you’ll build your wealth. Follow a proven system and stick to it. It must be a system that has been proven to work in your geographic area and focuses on the type of property in which you want to invest. Once you have a system that works, don’t mess with it; let it work for you. Continue reading ‘The Three Essential Components to Real Estate Investing’ »

If you are involved in the PTA at your school, you may have come across the sad reality that funding is not what it used to be for most schools. This means that being a part of the school PTA will probably involve you having to organize a PTA fundraising effort at some point. If you want to make sure that your school has everything it needs financially, setting up some school fundraisers can really help the school out with its goals.

When you start your PTA fundraising effort, you’ll want to gather everyone for a meeting to discuss the details. Figure out exactly how much money is needed, and what exactly the money will be going for. If you can figure out exactly how much effort you’ll have to make with your school fundraising, that can help make things easier. Continue reading ‘Organizing Your School PTA Fundraising Effort’ »

Any successful investor will tell you that the key to success when it comes to investing is to diversify your portfolio. Mutual funds are an excellent investment vehicle as they allow you to diversify your investments while reducing risk. Here are the top 4 advantages and why you should invest.

1. Diversification – Mutual funds typically consist of investments from stocks, bonds, treasury notes and other securities depending on which fund you choose. This means that your investment into a particular fund will be diversified giving you holdings in multiple companies.

2. Ability to invest in securities that may otherwise be unavailable – Because of the huge investment pool that makes up most funds, they are able to invest into securities that may otherwise be unavailable to you such as stocks that require a minimum purchase. Continue reading ‘Mutual Funds Advantages – Top 4 Reasons Why Mutual Funds Are Essential to Your Success’ »

What’s involved in your 401K rollover when it happens? For the most part, a 401K rollover occurs at the time of retirement or when you change jobs. At that time you may choose to transfer (rollover) your 401K into an IRA. When you partake in this process of transferring your 401K funds from a previous employer into an IRA, then it’s called a ‘401K rollover’.

You can accomplish this by way of a ‘trustee to trustee’ transfer. This moves your 401K from where it is now directly into an IRA. These types of direct rollovers are totally tax-free and you’re not held to any tax liabilities. You also have no limit on the amount of cash you can rollover. It’s very important that you choose wisely when making this move from a former employer with your money, as this usually involves quite a substantial amount for most people. Continue reading ‘What’s Involved in a 401k Rollover’ »

Have you ever thought about investing in real estate but wondered, “Where do I begin?” I cannot answer for you, but I know that I have. In fact, I may not be sitting very far from your chair right now.

Let me tell you a little about myself. I am 37 years old. I did not even know how to handle money until I was 34, and I had quite a bit of debt to repay. I didn’t even have a positive net worth until I was 36. Really! I’ve spent the last year-plus investing into the stock market. Unlike most people, I’m proud to say that I’ve done really well for myself. I am not mentioning this to brag that I am great, but it begs the question, why am I considering real estate then?

There are benefits to learning how to make money in multiple ways, outside of your regular 9 to 5 job or whatever your real hours are. Plus, as an investor, different money making vehicles present themselves as better opportunities at different times. One investment is not necessarily better than another investment type, but the timing is key. There is room to make money on stocks, still, but their best time was during the first few months of the year. Now is the real estate’s time, because you can buy properties for so little money. Continue reading ‘Real Estate Investing – Where to Start’ »

Band is a popular extracurricular activity, but with the rising costs of participating, a lot of bands are really feeling the financial pinch. Bands fundraisers are becoming more and more of a fact of life for bands where the school simply cannot provide the funds required to keep things running.

If you are in charge of organizing the band fundraiser, this is a great opportunity for you to make sure that the much-needed cash finally starts coming in, but of course you want to choose a fundraising idea that will be the most effective. Continue reading ‘How to Choose a Good Fundraiser For Bands’ »