Category: Your Wealth Portfolio

From Debt Snowball to Wealth Snowball

For anyone familiar with Dave Ramsey’s teachings, a very core area of his financial peace guidance is to get out of debt. The strategy and phenomenon he uses to describe this is the Debt Snowball. Here’s how it works. Debt Snowball When you commit to paying of your personal debt, start by paying the lowest […]


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The Best Investment Education You Can Get

I have interacted with many people who have been interested in learning about the wealth-building power of real estate and means by which they can invest. Since having begun my education journey in 2013, I have utilized various resources – 99% percent of them are free – to catapult my knowledge and allow me to […]


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How to Apply the Insurance Business Model To Multifamily Real Estate Investing

The insurance business is a great business model. In fact, it is so good from an investment standpoint that it is one of Warren Buffet’s favorite industries. Now, if the greatest investor of all time has a passionate favor of the insurance industry’s business model, then we should pay attention. And as I have studied […]


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Recession-Proof Investing And Why It Works

There are so many ways to build wealth – certainly some are much riskier than others. The best type of investments are those that can withstand the cyclical nature of economics, those that do not take rare genius and impeccable timing and those whose returns are based on proven models and a track record of […]


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The Biggest Financial Threat To Working Professionals

As working professionals, we have much to manage: our current work responsibilities, staying on top of our professional growth, family life at home and a changing world. Most of us work daily as a means to provide for our families and living needs. Especially now, due to rising values and surplus money we may feel […]


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The Most Important Lesson I Learned from Real Estate Investing

I want to share with you the most imporant lesson, one that caused me to rethink my approach to real estate and wealth building altogether. Next Level Investing Involves Teamwork To get to the next level, in addition to creating systems, planning for scale and working through the discomfort, I learned that I must stop […]


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1 Valuable Real Estate Lesson Explained

As you may know, in addition to my venture into multifamily investing, I also own single family rentals. Single families are a great way to start out in real estate investing and was, in fact, my first foray into the world of cash flow. Find out more about my story here. I had been self-managing […]


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Financial Freedom vs. Debt Freedom

I like Robert Kiyosaki. I also like Dave Ramsey. Both want you to be successful, but share very different definitions and paths to that success. Most people need to hear Dave Ramsey’s message. It is one of discipline, getting out of debt and living life unconstrained to financial burden. To accomplish this is to live […]


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5 Ways Real Estate Performs Well Against Inflation

Marcus and Millichap just released a special video that discussed 5 ways that real estate is the perfect hedge against inflation, an inevitable force we should all pay attention to, especially considering that the money supply is 26% above pre-pandemic levels. This timely video is important for any active or passive investor to understand real […]


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The Importance of Cash Flow In Wealth Building

Cash We have often heard it stated that “Cash is King.” This is logical thinking in that cash is a resource that allows us to obtain other resources that are essential for life: food, shelter and other needs. Without this liquid resource, we cannot quickly trade for other important life essentials. If all of our […]


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What is IRR and Why Is It Used In Apartment Investing?

What is the IRR? The Internal Rate of Return (IRR) is widely used as a metric in Apartment Syndications as a common way to describe the returns to both active and limited partner investors. Similar to the Average Annual Return (AAR), IRR takes into account the sale/refinance of the property asset and measures the return […]


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The Passive Investor Startup Guide

I have been writing about multifamily investing for over a year. If you search this blog you will find plenty of content that can help anyone achieve the mindset that leads to financial growth, take the first step in real estate investing, become educated in the multifamily asset class and learn about apartment syndications. Many […]


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6 Important Things to Consider When Refinancing Your Real Estate Asset

In Tapping Into Appreciation in A Growing Market, I shared why anyone with equity in their home may want to consider converting that equity into cash in a great market so that equity could be used and reinvested, rather than sitting idle or even worse, lost altogether due to cyclical declines in the market. I […]


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What Drives Cap Rates In Multifamily Real Estate?

Interest rates influence decision making Investors select among asset classes such as stocks and real estate Demand rises within that asset class, raising prices Prices investors are willing to pay for NOI are reflected by cap rates Many people miss the fact that cap rates (see real estate terms resources page) are not necessarily the […]


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Choose Your Mountain Wisely

You can do anything, but you cannot do everything – Robert Helms About a year ago, I was driving home from work and listening to the Real Estate Guys Podcast, a top choice of mine for education and inspiration. In this particular episode, Robert Helms and Russell Gray were discussing goals and mission. They were […]


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The Fruits of Buy and Hold Real Estate Investing

What is buy and hold?Buy and Hold real estate, characterized by the long-term holding period than other strategies such as fixing and flipping, reaps great long term rewards. These rewards give, and give and finally give more. While it is great to have a mix of quick-cash producing strategies and ongoing passive income, buy and […]


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The Importance of Protecting Investment Capital

The primary focus for every investor should be capital preservation: protecting the principal investment funds. This is significantly more essential when using other people’s investment funds. After first protecting principal, then an investor’s second priority is capital appreciation. Many times these priorities get confused; appreciation becomes the top goal and protection of principal is put […]


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Why I am Richer in 2021

If you think this is about money, read on. Every year I want to improve. I want to be stronger, smarter, more impactful and better balanced. I can look back on each year of the last five and easily characterize my life and happiness based upon those attributes. 2020 for me, just like many, was […]


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Who Should Consider Being A Passive Investor?

Last year, I wrote an article called Active vs. Passive Investing and Which is Right for You, which focused on an explanation of the differences of each and considerations that one should make when exploring which is most fitting for himself or herself. Here, I would like to focus on and further expand upon passive […]


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Why Stock Investors Should Also Invest in Real Estate

Right now happens to be a good time for many people in the stock market. Led by technology stocks, people are experiencing growth and feeling good from their exposure to the stock market highs. The Game Stop short squeeze left one average part-time individual investor up by millions of dollars! With all the success of […]


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Self-Directed IRA (SD-IRA) and the Qualified Retirement Plan (eQRP)

As a guest writer for the Fortes Company, I had the great privilege of sharing insight gained from episodes 104 of the Passive Investor show where host John Fortes speaks with guest Jason Debono about the Self-Directed IRA (SD-IRA) and in episode 133 where Damion Lupo joins to talk about the Qualified Retirement Plan (eQRP). […]


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3 Steps To Prepare Your Finances for Passive Investing in Real Estate

Wealth building is a marathon, and it takes much time and preparation to be in shape to compete. Many people do not consider the steps that are necessary to take in order to achieve their wealth building goals. Below are three very simple steps to prepare your finances for passive investing in real estate. Eliminate […]


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The Most Valuable Asset in Your Wealth Portfolio

There are various asset classes in which to invest as part of your wealth-building. Aside from stocks and bonds, there is real estate (my favorite), cryptocurrencies, precious metals and more. But there is something more valuable than these. An asset so finite that its massive global undervaluation baffles me. We all have this asset but […]


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Freedom Through Passive Investing in Apartment Syndications

If my marketing is effective, you are a working professional who recently gained an interest in real estate and are trying to figure out what niche to follow and how to get in. Let’s get honest. Not everyone has the time or inclination to devote to being an active real estate investor. Let us remove […]


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I Set Up a Qualified Retirement Plan (QRP) to Invest in Real Estate

I have been working in Corporate America for nearly 10 years. I have been using my company sponsored 401k and contributing to the match for nearly the whole time. While I have bought real estate in the past out of my 401k, those moves came with tax implications and I knew there had to be […]


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