Attracting Prosperity And Abundance Might Mean Investing Instead Of Squandering Bonuses You Get

More and more companies are integrating a bonus structure into payment programs.

Bonus offers are normally based upon efficiency and are tax beneficial for companies.

If you're one of the fortunate ones who will receive a reward this year, exactly what will you wind up doing with it?

The secret to prospering from any perk that comes your way is to find the best appreciation method for you, such as an investment.

This is so because everyone's situation is unique and much different from another, and all your answers are within you waiting to be uncovered.

Be careful of advice from a golfing pal or a 'happy hour' old chap who tries to assist you to maximize your financial capacity.

The Course in Miracles states, "All learning is a help or hindrance to the gate of Heaven."

In making important monetary decisions for chasing success, the most effective info you can have is to understand where you are and where you want to be economically.

Having a financial plan of some sort, it might be official or casual, can assist you to prioritize your overall objectives and goals and allow you to see more plainly how your bonus offer fits into that picture.

Seek the advice of a professional who realizes and appreciates your concern and the whole picture, not simply financial investments.

To help you understand the best ways to make the most of your bonus, or whatever perk finds you, consider the following factors to consider when chasing success down:

Get professional recommendations:

Every person is special, with various financial situations, comfort levels and timelines.

An investment adviser can help you understand your financial scenario and deal with you to help you attain your goals.

You might decide to utilize your bonus to pay down debt, to contribute to your "Rainy Day Fund", or a combination of a few.

Take a look at the whole picture:

Previously I discussed free online material such as newsletters, e-books and more about how to have fun with investing as a hobby of sort.

It's important to look at your present financial picture-- the money you owe today and the money you wish to put away for your future.

If paying off a debt, like your home loan, will avoid you from capitalizing on a financial investment chance, you need to figure out which will pay you the most in the end.

Again, when chasing destiny it's important to deal with a professional, seek out online bulletins and periodicals about investing.

For me, and many others, I like to watch all penny stocks picks as a hobby and it has been profitable to fund other areas in my life and my writing and speaking career.

Good quality content can help you look at your particular scenario and strategy appropriately and more closely.

Pay yourself:

If you get a perk every year, or every now and then, why not use this bonus offer to purchase your future and help the financial freedom cycle?

Set up a pre-authorized payment plan so you can invest month-to-month and avoid the money scramble or squeeze at particular times.

When the bonuses or perks arrive you will know right away what your intentions are and you will make your chasing success fund shine with appreciation.

Go on, treat yourself:

The best part about advance planning and factoring your reward into your general way to success plan is the opportunity you will have to treat yourself with some of the funds.

With the help of professional advice, whether personally, or an online periodical or blog, or whatever, your chasing destiny investments will be good to you.

(Please note, I also suggest seeking out the web for further material on topics like, how to achieve success in today's world by learning the millionaire mind and reprogramming how you think about money, perhaps learning more about watching all penny stocks, which for many has been fun and a profitable hobby.)

To your success and happiness!

You can find related info on topics like, 'how to achieve success now with a millionaire mindset by reprogramming the subconscious, and how watching all penny stocks can be a profitable hobby,' and so much more: http://jamesnussbaumer.com/achieve-success/

The link above gives you access to further helpful material and for folks who are interested in letting go of the past and moving on in life to attaining Real Abundance, Purpose, and Wellness in their lives.

Attracting-Prosperity-And-Abundance-Might-Mean-Investing-Instead-Of-Squandering-Bonuses-You-Get

Hi, I'm James Nussbaumer, I'd like to introduce myself through my thought provoking self-improvement and inspirational books, articles, videos, Podcast, and other content for a better life, where I reflect on the principles of A Course in Miracles. It's about being all you can be and a life of success and happiness. Thank you for visiting.

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How To Make Money With Kindle Publishing On Amazon In 2019

How I learned To Day Trade In A Week

Don't Make Excuses - Gary Vaynerchuk |

Making Money Work

As I begin the journey of finishing my working career I look back at messages I have received throughout my lifetime about money and the idea of saving money. Of course, as a young man I never gave much thought to saving. After all I was young and I had a lot of time to save.

It was a plan built on wishes and fantasies. A plan which gave me all sorts of money to party and put me on a path of self-destruction. While I had some amazing times, albeit a bit crazy, the memories have lasted me a lifetime. But those memories did nothing for me when I had an emergency.

It got to a point where I could justify not saving money. After all, with all the debts I had how could I possibly save a penny? The question should have been how could I not save a penny?

One of the easiest ways to save money and to also get a raise in pay is through your pension plan at work (401K). People don't do it because... well it goes back to my early beliefs that I was young and I'll worry about it tomorrow.

Let's look at a simple example of how this can help. This is just an example using simple financial amounts. During the month you make $1000. Let's say that 20% is taken for taxes. Your take home pay is $800. That is everything you make for the month, so saving money is impossible, right? I. Say. Wrong.

I'm still learning the UK pension plans, so I'll use the 401K models that I am used too. Let's say your employer will match your contributions up to 5%. So if you put in 2%, they will contribute 2%. If you put in 3%, they do 3% and so on up to 5%. So if you contribute to a 401K and only contribute 2% (in this example) you are losing money. You are losing 3% of the money your employer would contribute.

In the above example, based on a 100 hour work month, your hourly wage was $10. By contributing 2% to a 401K, which your employer matches your monthly wage grew by $20. An hourly increase of 20 cents. So the hourly wage grew to $10.20. But without taking advantage of the employers 5% maximum the employee is losing $30 a month and 30 cents an hour.

Yes, to get this increase you will have to give money from your check that you say you don't have. 401K contributions are taken into account before taxes. So if you take 5% from your monthly check of $1000, your taxable income is $950. Then the 20% taken from that amount leaves you with a take home check of $760. A loss of $40. But you are adding $50 to your account and your employer is adding another $50. So for the month you added $100 to your account, which only cost you $40.

These are simple figures but it is crazy not to use pension plans to your advantage. I have heard from people in the UK that plans are garbage. The only horrible plan is no plan. To take advantage of any plan, contribute at least the maximum that your employer will match and also look at your plan. Many plans offer different investments to grow your money. From simple safe plans like bonds and CD's to more risky investments from international funds.

Just don't view a plan as rubbish. Look at it, invest in it and make plans for your future.

Making-Money-Work

Dave shares his experience and journey on his website http://www.daveharm.com

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Apartments - Top 9 Wealth Creating Reasons to Invest

The main reason people invest is to provide for themselves and their family in the future when it is time to retire from a long and distinguished career. When the future arrives, hopefully we have enough capital accrued that we are secure financially for as long as we need. However, life can get in the way. We don't invest enough, or we get too busy to make investing a priority and put it on autopilot in a CD, money market fund, or an IRA vehicle. Then when we get close to that retirement date, we begin to wonder if we are going to outlive our money. We realize that medical care continues to get more expensive every year. We may even see that the stock market did not deliver the expected returns projected many years ago.

The richest people in the US invest in Real Estate. Many of them made their fortunes in Real Estate. With that thought in mind, let us review the Top 9 reasons how investing in Apartments (Multi-Family property) can assist you in achieving the Lifestyle you desire, help you create generational wealth and provide for your favorite charity.

#1 Cash Flow - Cash Checks!

Multifamily properties generate enough income, every month, to cover the cost of operations (e.g.management, utilities and maintenance), capital improvements (e.g. replacing equipment), and financing (mortgage). The rest goes into the investors' pockets.

#2 Turbo-Charged Appreciation

Multifamily values are based on the net income they produce. Increasing the profit the property nets each year significantly increases the value of the property. This is the best vehicle in multifamily to achieve significant growth in your investment. Even with mostly stabilized properties, optimizing management can yield big returns while enjoying cash flow from day one. Let us look at an example 200 unit property. In a 200 unit complex with an 8% Cap Rate, the management successfully raises monthly rents by $25 per unit. The value of the property will go up by $750K. How does this happen?

200 units x $25 x 12 months/8% Cap Rate

What we get is $60,000 in increased rents (cash) per year, but when divided by the approximate value (Cap Rate) of 8%, the property value increases by $750,000. The same applies when expenses are also reduced through effective management. WOW! You can't do that in single-family homes.

The more distressed a property, the deeper the discount on the value at purchase, but also the greater the risk and possible significant return.

#3 Higher Returns

The combination of Cash Flow and Appreciation can provide returns ranging from 2x to 10x of the yields of today's savings instruments. With the average Money Market, CD and Savings Accounts earning less than 2% annually, it is easy to see the value of investing in Apartments. While the exact return will depend on the property, double-digit annualized returns are common.

#4 Diversification and Stability

Apartments provide the Investor a more stable means to achieve their investment goals when compared to the stock market and other kinds of real estate. Apartment values are derived from the Net Operating Income (NOI) it generates, not speculation. Most people believe they are being prudent investing in the stock market and that investing in a stock fund is sufficient to diversify their portfolio. A real diversified portfolio should contain real estate that generates income. Adjusted for inflation, from 1/1/2000 through 12/31/2017, which includes the Great Recession of 2008, an Investor in the stock market earned 75 cents for every $1 invested. Most of that gain was in 2017 alone. However, their average return was only 4.74% and their Compounded Annual Growth Return (CAGR) was 3.15%. This is over 18 years. Will 4% annually achieve your investment goals or requirements.

#5 Inflation Protection

One of the best mechanisms to avoid the impacts of inflation is to own real assets. The value of these assets will increase with inflation, thus being protected by the impacts of inflation. Real cash, on the other hand, will decrease in value from inflation, as each dollar will be able to purchase less in the future than it can today. Additionally, periods of inflation also put upward pressure on wages, allowing for continued rent increases. At a time when the Fed is printing billions of dollars out of thin air, owning multifamily properties is a great inflation hedge.

#6 Tax Benefits

Apartment properties are able to take advantage of depreciation on the building and equipment to help offset income. This essentially offsets some or all your income taxes from the property cash flow. Depending on your personal tax situation, this benefit will further increase the yield on your investment.

#7 Professional Management and Metrics

Asset management and property management teams oversee the property for Private Equity Investors, using sales, cost and profit metrics, making Apartments a truly 'passive' income investment, with professionals handling operations. A vast majority of single-family investments require more involvement and focus from the Investor.

#8 Power of Leverage

Private Equity Investors provide capital for the down payment on the property (typically between 20% - 30% of the purchase price), while the acquisition/asset management company uses that deposit as leverage to get a loan to complete the purchase. These loans are also typically non-recourse, meaning that the person signing for the bank loan does not personally guarantee the loan. The risk is born by the property and its NOI. The Investor realizes all the advantages provided in this article using the power of leverage.

#9 Economies of Scale

Multi-Family complexes have huge economies of scale on their side.

• Vacancies impact cash flow less due to large number of units
• Marketing and logistics are more efficient
• Repair and maintenance is more cost-effective, 200 units on 1 property is easier to manage than 200 different houses
• Dedicated employees are easier to manage than contractors
• Upgrades can be carried out with less impact on revenue

Maybe the best advantage of all is the peace of mind of knowing about your future. Knowing that your portfolio is less subject to wild swings in value and that your invested capital is actually linked to real, tangible brick and mortar assets that provide income. Investing in Apartments can provide you these benefits if you are willing.

Dennis Genaw can be reached by email at info@PhilaApt.Network.

If you are an Accredited Investor, interested in passive Monthly Income, looking to Turbo-Charge your portfolio results and create Wealth, get our free eBook 'Create Higher Yields thru Apartments' at https://goo.gl/soVnNc. This book is 50 pages jammed packed with the latest, up to date information about investing in Apartments. We are looking for the right people to partner with in building the income and lifestyle that Commercial Real Estate, and Apartments in particular, can provide. 'Create Higher Yields thru Apartments' goes into more detail about the mechanics and benefits of Passive Apartment investing.

Top-9-Wealth-Creating-Reasons-to-Invest

Our Mission is to work with our Private Equity Partners to invest in Cash Flowing Multifamily properties (Apartments) in Emerging and Growth markets nationwide, to provide high returns to our Investors and a quality living experience for our Customer Tenants. We value performance, not promises. None of our partners are salaried. Our earnings are based on continuously finding, operating and successfully managing each asset investment. We put our Investors first. We offer cumulative preferred returns that are paid before we receive payment.

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