Re: while we wait lets look at this, Investment ideas

by Guest Thu Dec 29, 2011 10:01 am

I had some of the same experiences in 89 and 90 just with one rental and two different tenants. Big headache just on one. Every since I have done nothing but buy low sell high on improved and unimproved Real Estate and done nothing but made money hand over fist. Those days are coming again. AJ

ou812 wrote:
rick152 wrote:Azure, Rental property that you own outright has a pretty good mark. You generally have to figure around the 75% to 85% occupancy rate ( at least on loans they always figure it that way) when looking a real estate listings you will see Cam numbers, these are used for the ratings as to over cost levels. A lot to learn be careful but, good investments.
There is a silent saying in that industry! Most of the people are homeless they're called TENANTS. PLus always leave something in the pot for forseen and unforseen repairs...rick152

From 1983 to 1999 i owned several apartment buildings in New york. I managed it myself and it was the biggest headache and most aggravating
experience of my life. I was i court every other day trying to collect rent and i even had several
fist fights with tenants.

by Dinar4silver Thu Dec 29, 2011 10:34 am

AJ,

A quick question so that I can formulate a posting:

Over the last few years, the tax rate which will be applicable towards the Dinar has been discussed extensively.

What is your opinion as to what tax rate will be applicable?

I know that this would be your opinion and I am will not be making any long term decisions on your answer, but I do value your opinion.

by renny123 Thu Dec 29, 2011 10:40 am

i went under with Real Estate that I owned in Connecticut. I had l3 rents from multi family homes. The economy collapsed, tenants stopped paying rent. The propery devalued very quickly. I sold it all and only came out with about l00,000, lost a million dollars. I had one headache after another with repairs, evictions, you name it. In connecticut, Landlords do not have a lot of rights, mostly tenants. My son is investing in real estate in the same state but in a better area and so far, he is ahead of the game. You never know, but it is not as easy as it looks.

by **Horizon** Thu Dec 29, 2011 10:41 am

I plan to invest in some real estate. I have been in the rental business before, and that can be a real headache.

I also would like to open a place for therapeutic riding for disabled childern or even older people. I know someone that has a place like this and the interaction between the children and the horses are so good for the kids.

Alchemist mentioned in an earlier post about doing things for the church, I have also talked about opening an place for youth reteats.

Alot of things run through my head, but I do want to help the less fortunate.

Praying for God to show me the right direction...

by ou812 Thu Dec 29, 2011 10:47 am

renny123 wrote:i went under with Real Estate that I owned in Connecticut. I had l3 rents from multi family homes. The economy collapsed, tenants stopped paying rent. The propery devalued very quickly. I sold it all and only came out with about l00,000, lost a million dollars. I had one headache after another with repairs, evictions, you name it. In connecticut, Landlords do not have a lot of rights, mostly tenants. My son is investing in real estate in the same state but in a better area and so far, he is ahead of the game. You never know, but it is not as easy as it looks.

I was dealing with 140 tenants by myself, you wanna talk about headaches "LOL"

by ruthie23 Thu Dec 29, 2011 11:01 am

I have two interests people and the planet. Never really been avaricious, just entrepreneurial whilst being thoughtful.

I rent my property out to Centrepoint, a charity for the homeless. Had very little problems, the rent is paid directly to me by the government, so win win. Homeless get a roof, and I get a guaranteed income, and there are no management fees. Always families with young children, and they so far, have had respect for my property. Interest rates are so low at the moment, BTL mortgages not a problem.

Apart from that I am into renewable energy. Carbon black from Molecular Technology. It's helping stop the dreadful landfills, so that makes me happy.

That's about it, although am looking at pawnbroking, I know it is a big business in the US, not so much here, stigmatized, but beggars can't be choosers these days, and not everyone has a good credit rating, one man recently put his whole fine art collection into the pawn shop, for a 1M GBP loan!

by Dinar4silver Thu Dec 29, 2011 11:08 am

The Real Estate market has been mentioned a great deal.

For anyone who is not familiar with this market, I would strongly recommend doing your homework before you even think about Real Estate as an investment.

History always repeats itself. I live in Chicago. In early 1929 (before the Stock Market crashed) three of Chicago's most known buildings were being built. Specifically, the Chicago Merchandise Mart (still one of the largest buildings in the world), the Old Chicago Stadium and the Chicago Stock Exchange. All three of the original owners lost the properties when the Stock Market crashed.

One group purchased the Chicago Merchandise Mart. The family is relatively well known today, the Kennedy's. Joseph Kennedy built his empire on many things (including running rum) but the corner stone was the Merchandise Mart.

My point is that the real estate market will boom again. The two big questions are when and who will have the money and wisdom to purchase the properties that will boom.

The principals are simple. Buy low, sell high. Easier said than done in todays market.

In the field of real estate, you really have just a few basic markets: 1) Commercial Real Estate (office and retail), 2) Residential Housing 3)Apartments with leasing tenants 4)Land.

IF you decide to invest in real estate then you need to learn how to be successful in real estate. A real estate investment and success are not automatic. How do you learn real estate? Purchase books, videos, find a mentor in this field that will help you, seminars, more books, more questions, take a real estate class or two, get your real estate license.

If you decide to invest in real estate, accept the fact that you will need to hire a top flight real estate attorney, a CPA who specializes in real estate, contacts with Real Estate brokers, an asset protection specialist, an environmental firm, an appraisal specialist, an estate planner and most importantly, a banker that you can trust. Your success will have a great deal to do with the people you surround yourself with.

Real Estate is a skill and should not be considered a game of chance.

I believe that the opportunities for tremendous real estate growth will be enormous in he future. I believe we are a few years away from that growth. Now is the time to do your homework.

by Guest Thu Dec 29, 2011 11:38 am

Real Estate like STOCKS are tricky...which is a better bet?

by scaramouche Thu Dec 29, 2011 11:49 am

My two cents: diversify - and buy land where food can be grown and get some Israeli government bonds. Not only will they be safe - but will pay off in shekels so if the dollar takes a hit - as most suspect it will - your money would be (hopefully) holding its value or increasing.

by **rick152** Thu Dec 29, 2011 11:51 am

punisher wrote:Real Estate like STOCKS are tricky...which is a better bet?

Very good question
As you have posed the question here...Real estate as here is my opinion ...Dirt never goes to zero where stock can and you have to be on stock near everyday and real estate can be watched (as for values) at a sort of distance, and over greater lengths of time. ...rick152

by Dinar4silver Thu Dec 29, 2011 12:04 pm

Punisher,

Good question but many people will be happy with a low risk in today's environment. I believe AJ mentioned "Municipal Bonds" as one example.

The question that I have, is based on the final number we will each end up with (after taxes, fees, professional services etc), what type of Return on investment (ROI) will be sufficient for each of us?

Personally, based on my age (53) I plan on investing 70% on low risk investments, 10% on riskier high yield investments and the remaining 20% on medium risked investments.

I know that I can receive a ROI of 3 to 4.5% from annuities. I don't want to take major chances on my investments at this point in my life. Keep in mind that the ROI on annuities should only increase over the next ten years.

Depending on how many Dinar you have, a safe (albeit lower ROI) investment may be more than sufficient for many. Let's say that you have 2.5 million Dinar and the Dinar RV's at $3.50. For the sake of this example, I will deduct 30% for taxes (Federal, State and fees). $8,750,000 - 30% = $6,125,000. If you were to go on a spending spree and spend $1,125,000, you would still have $5,000,000 to invest.

If you were to invest the $5,000,000 in a variety of annuities, Municipal bonds and other lower interest investments and you averaged a 3.75% ROI, you would make $187,500 per year (before taxes).

In my mind, one of the keys to investing is to keep as much of the money that you earned and stay out of jail. The bottom line is not what you make, but what you keep. An asset protection specialist is key. I want to delay paying the taxes that I owe as long as possible and by setting up the correct trusts, LLC's and incorporating these into my estate plan, I hope to pass on a large chunk to my heirs.

by **rick152** Thu Dec 29, 2011 12:10 pm

dinar4silver, Thank you so much for all of your great insite here. This will surely help many who reasd these posts of yours. Wise indeed ...rick152

by Dinar4silver Thu Dec 29, 2011 12:39 pm

Rick152,

Thank you for the compliment!

This is a valuable thread for most of us. If we do not make good long term decisions, we will all lose the money from this investment.

After listening to the Sports agent, he mentioned a few points that should be chiseled into granite for everyone to save (put the granite slab on your front lawn).

1. You may spend the interest from your investment, never touch the principal or your won't have interest coming in the future.

2. Don't lend money to friends unless you don't expect it back.

3. Don't invest in every two bit investment "OPPORTUNITY" that is thrown at you. If an investment comes along, bring the written proposal (if not in writing..........RUN) to your CPA to analyze. If you don't have a CPA, why are you investing in this plan?

4. Have someone who manages your investment that you trust. Let them be the one to tell people that you are not interested in investments, loans, etc. Make your financial manager, the bad guy.

5. Diversify your investments. Simply put, do not put all your eggs into one investment.

6. This is my own suggetion: If you want to purchase a business for yourself and or your family, consider purchasing a franchise instead of starting your own business. Fact: 80% of new businesses fail in the first five years!
Fact: 20% of franchised businesses fail in the first five years.

Suggested reading if you are considering the possibility of starting your own business: The E-Myth Revisited: Why Most Small Businesses Don't Work and What to Do About It . Author: Michael Gerber
Website: http://www.e-myth.com/

by **rick152** Thu Dec 29, 2011 12:49 pm

Thanks again dinar4silver, The whole Idea for the thread was to help avoid the "lottery syndrom" Looks like it just may help...rick152

by **Kevind53** Thu Dec 29, 2011 1:07 pm

Good points all ... as someone who deals with annuities, I agree with Dinar4Silver that they are a good way to go. However your interest rates seem a little high for right now. Most annuities are in the 2 to 3% range right now. With the bond rates so low, and option costs very high, insurers (and fixed annuities are an insurance product) can not afford to offer much more. Were I to see a rate much higher than that I would be wondering what the catch was. Liquidity is also a concern, most annuities have about a 10 year penalty period built into the contract so you need to have some liquid investments as well.

There are variable annuities out there, they are equity products since you can lose money with them. In general, you would likely be better off to just invest directly in mutual funds. The risk is about the same and costs are usually less ... but that is something to talk with your trusted investment adviser about. BTW, investment advisers can't sell fixed annuities unless they are also licensed to sell insurance, so don't expect them to recommend them to you. Likewise I as an insurance agent can't recommend any equity based investments. That's why I have teamed up with a few advisers I trust.

by Dinar4silver Thu Dec 29, 2011 1:15 pm

Rick,

If I was asked "what is the most important aspect of real estate to learn inside and out", I would tell someone to learn how the various types of real estate increase or decrease in value.

Case in point a residential property vs a small commercial strip that has rentals for retail and or office based businesses.

In the case of our example, the residential house and commercial strip are both in the same town and same neighborhood. Let's say that the house is sold to Mr and Mrs. Middle Class America (are they still around?). The house's value is based on similar homes in the same neighborhood over a period of time and how the house in question compares. If Bill Gates and family moved into the house, the house's value would remain about the same.

In the case of Commercial Real Estate, there are three methods of comparing properties but as an investor I want to know the "Income Approach". In reality, I am really looking to purchase a Return on Investment and not a building per se. If I have Bill Gates' Microsoft Group leasing my building for a long period of time, with a great lease (Triple Net), with pass throughs, and annual increases, this property is far more valuable than if a new start up business. A start up business has a high degree of failure, Microsoft has a high degree of success.

In commercial real estate the location is key but only with the correct tenant. The value of a commercial building is heavily influenced by the leases that the building includes.

When I read that someone wants to get into real estate, I think that is wonderful. As long as the person does their homework.

by Dinar4silver Thu Dec 29, 2011 1:25 pm

Kevind53,

Excellent points. I don't profess to be an expert in annuities and I am glad someone like you can clarify the points that I made.

I was using estimates that I had previously found to make my point. Now I can fine tune my thoughts.

Ok, anyone who read my previous example (using 3.75%), you will need to have 250,000 to 500,000 more dinar to make the original number work! LOL

I have been involved with real estate for many years and that is where my comfort level is.

Thanks for the feed back.

by Dinar4silver Thu Dec 29, 2011 1:46 pm

Kevin53,

Can you answer a few questions for me?

1. In 2006-07 range: What type of return were annuities bringing?

2. Without the use a crystal ball, do you see annuities increasing over the next three years?

My cousin manages the investment portfolio's of high end investors, for one of the big four banks. I will ultimately invest with my cousin but I am trying to expand my knowledge base.

by Guest Thu Dec 29, 2011 1:48 pm

Dinar4silver and rick, great points, info and ideas...

by SEBtopdog Thu Dec 29, 2011 2:07 pm

Thank you to Dinar4silver and Kevind53 and others with very sound investment advice. Beyond diversifying and placing our money in various ventures to protect the principal while allowing us to live off the income it generates -- I hope all will consider the idea of at least a small amount of acreage where you can grow enough to feed your family, with perhaps enough left over for barter with your neighbors.

I think we need to simplify, making ourselves more self-sufficient. If you want food you know is healthy, then get very close to the origins. Grow your food organically. It's easy if you aren't a factory farmer. If you can't do the physical labor yourself (as I cannot), then make it a co-op effort with family or close friends. I want to use my money to make life better for as many people and animals as I can, and it's not necessary for me personally to acquire the trappings of wealth.

IMO, this type of life is not just gentle on the environment, it makes sense from an economic standpoint, and from a survival perspective. I'm still exploring the possibilities, and I hope you'll give it serious thought, too.

by **Kevind53** Thu Dec 29, 2011 2:18 pm

Dinar4silver wrote:Kevin53,

Can you answer a few questions for me?

1. In 2006-07 range: What type of return were annuities bringing?

2. Without the use a crystal ball, do you see annuities increasing over the next three years?

My cousin manages the investment portfolio's of high end investors, for one of the big four banks. I will ultimately invest with my cousin but I am trying to expand my knowledge base.

I don't remember back that far. In late '08 4.5 to 5% was pretty common with some offering a 3.5% 1st year bonus. Indexed annuities had participation rates in the 60 - 70% range and/or 10 % or so caps. Currently, rates are around 1.25 to 1.5% for fixed, with indexed annuity caps around 3.5% and par rates around 25%.

Factors currently effecting this include low bond rates along with high option costs. In the indexed products, the volatility of the market is also having a significant effect. Do I expect this to change? Yes, as the market settles down, and interest rates recover, I expect that all the rates will go up. I can't make any guarantees, but I expect that the chances are good to very good we will see rates back in the 3.5 to 4% range in that 2 to 3 year time frame. My instinct says that if I were to buy an annuity today I would go strong for an indexed product simply because the market is most likely to go up. As you observed, the idea is always to buy low - sell high.

by **Kevind53** Thu Dec 29, 2011 2:21 pm

SEBtopdog wrote:Thank you to Dinar4silver and Kevind53 and others with very sound investment advice. Beyond diversifying and placing our money in various ventures to protect the principal while allowing us to live off the income it generates -- I hope all will consider the idea of at least a small amount of acreage where you can grow enough to feed your family, with perhaps enough left over for barter with your neighbors.

Agreed, I already have my eye on a piece or two. Real good neighbors too ... I happen to know several of them. Laughing

by **rick152** Thu Dec 29, 2011 2:25 pm

SEBtopdog. I agree with you and did start to address this in another thread back in August Glad you brought it up ...rick152
This may be a good time to bring this back into discussion />

http://dinardaily.forumotion.com/t4584-after-rv-living-partially-off-the-grid

by panamabev Thu Dec 29, 2011 2:34 pm

Thanks everyone, this is some very valuable information. I had 5 new rental houses! All I can say is I made a big mistake, first mistake probably buying new, long, long story...anyway I ended up having a mess on my hands and will never go that route again. I was so stressed, and the Agent/Team that I got involved with were very unscrupulous. I should have had a real estate attorney...BIG time!! That's what happens when a person is ill advised and trust too easy! Trust is out the window, business is business and CPA's, Attorney's, Financial Team are now ALL in place!! I don't plan on making the same mistakes again...that's called learning by mistakes

I have learned a lot from this OOM Site...believe that!!! Thanks to all that provide positive information and feedback!!

by Dinar4silver Thu Dec 29, 2011 3:07 pm

I will preface the next statement by saying that if I were to poll most people involved in the Dinar investment, my guess is that 99% of us had our doubts about this investment based on one simple theory:

"If it sounds too good to true, it probably is."

I would feel safe in saying that the Dinar may be one of the only exceptions to this rule, that you will see in your life.

Kevin53 made a small comment about unusually high interest rates on annuities. Keep in mind that Kevin obviously is well informed on this subject. Yet he made the following comment:

"Were I to see a rate much higher than that I would be wondering what the catch was."..

Dinarian's, let's learn from the Bernie Medoff fiasco. People were being promised UNUSUALLY HIGH RATES OF RETURN!

RED FLAG, RED FLAG,

If it sounds to good to be true, it probably is (except for the Iraqi Dinar).

I'm not saying that you will not find investments with high rates of return but at what cost and what risk?

Ironically, we are taught reading, writing, math, science, history, civics, but for the most part we are not taught about money and money management.

As adults we are taught money management under the description of life's lessons or experience. In either case, failure usually was our best teacher.

Now we all have a chance to do great things for ourselves, our families, our communities and for the planet.

Each and everyday of the rest of our lives, there will be people trying to scam someone that you know or have met on this site.

Prepare yourselves for scammers!

Best method: A con man will tell you that you can never con an honest man. It is greed that will get in the way.

If I posted the following: Contact me in the next hour and I will show you how you can make a 25% return on your investment with no risk.

A certain percentage of you will inquire.

To those of you who would respond..........................DON'T!

If it sounds too good to be true, it probably is!

by Dinar4silver Thu Dec 29, 2011 3:10 pm

PanamaBev,

Good for you! It's amazing what we learn from experience isn't it?

by Dinar4silver Thu Dec 29, 2011 3:20 pm

Kevind53 wrote:
Dinar4silver wrote:Kevin53,

Can you answer a few questions for me?

1. In 2006-07 range: What type of return were annuities bringing?

2. Without the use a crystal ball, do you see annuities increasing over the next three years?

My cousin manages the investment portfolio's of high end investors, for one of the big four banks. I will ultimately invest with my cousin but I am trying to expand my knowledge base.

I don't remember back that far. In late '08 4.5 to 5% was pretty common with some offering a 3.5% 1st year bonus. Indexed annuities had participation rates in the 60 - 70% range and/or 10 % or so caps. Currently, rates are around 1.25 to 1.5% for fixed, with indexed annuity caps around 3.5% and par rates around 25%.

Factors currently effecting this include low bond rates along with high option costs. In the indexed products, the volatility of the market is also having a significant effect. Do I expect this to change? Yes, as the market settles down, and interest rates recover, I expect that all the rates will go up. I can't make any guarantees, but I expect that the chances are good to very good we will see rates back in the 3.5 to 4% range in that 2 to 3 year time frame. My instinct says that if I were to buy an annuity today I would go strong for an indexed product simply because the market is most likely to go up. As you observed, the idea is always to buy low - sell high.

Kevin,

Thank you for the education. I would ask everyone who had read this post by Kevin, did you understand it?

If not, we all have homework to do. If we plan on being successful with our future investments, we all need to improve our knowledge of the investments that we are interested in.

I saw a clip that my wife recorded for me on an interview by Oprah and Natalie Cole. Ms. Cole had just filed for bankruptcy after making tens of millions of dollars. When Ms. Cole told Oprah that her problem was that she trusted her manager who ripped her off.

Oprah shook her head and said "Girlfriend, you should be ashamed of yourself. It's your just to keep and eye on your money and you start by signing your checks. Oprah still signs every check for each of her employees.

Ronald Reagan: Trust but verify! (Thank you Kevin53 for quote)

by panamabev Thu Dec 29, 2011 4:28 pm

See...too much TRUST can get ya in trouble!! Panamabev, write on the blackboard 1000 times: Everybody is not my friend, do not trust so easy, don't believe it just because 'they' said if with authority.........

And I repeat...Due Diligence, trust but verify, due diligence, trust but verify!! (As I take my hand and pound my head) Rolling Eyes

Dinar4silver wrote:
Kevind53 wrote:
Dinar4silver wrote:Kevin53,

Can you answer a few questions for me?

1. In 2006-07 range: What type of return were annuities bringing?

2. Without the use a crystal ball, do you see annuities increasing over the next three years?

My cousin manages the investment portfolio's of high end investors, for one of the big four banks. I will ultimately invest with my cousin but I am trying to expand my knowledge base.

I don't remember back that far. In late '08 4.5 to 5% was pretty common with some offering a 3.5% 1st year bonus. Indexed annuities had participation rates in the 60 - 70% range and/or 10 % or so caps. Currently, rates are around 1.25 to 1.5% for fixed, with indexed annuity caps around 3.5% and par rates around 25%.

Factors currently effecting this include low bond rates along with high option costs. In the indexed products, the volatility of the market is also having a significant effect. Do I expect this to change? Yes, as the market settles down, and interest rates recover, I expect that all the rates will go up. I can't make any guarantees, but I expect that the chances are good to very good we will see rates back in the 3.5 to 4% range in that 2 to 3 year time frame. My instinct says that if I were to buy an annuity today I would go strong for an indexed product simply because the market is most likely to go up. As you observed, the idea is always to buy low - sell high.

Kevin,

Thank you for the education. I would ask everyone who had read this post by Kevin, did you understand it?

If not, we all have homework to do. If we plan on being successful with our future investments, we all need to improve our knowledge of the investments that we are interested in.

I saw a clip that my wife recorded for me on an interview by Oprah and Natalie Cole. Ms. Cole had just filed for bankruptcy after making tens of millions of dollars. When Ms. Cole told Oprah that her problem was that she trusted her manager who ripped her off.

Oprah shook her head and said "Girlfriend, you should be ashamed of yourself. It's your just to keep and eye on your money and you start by signing your checks. Oprah still signs every check for each of her employees.

Ronald Reagan: Trust but verify! (Thank you Kevin53 for quote)

by Dinar4silver Thu Dec 29, 2011 4:36 pm

panamabev!

I am so proud of you!

I want you to take our level two course now.

Every time you want to blindly trust someone, I don't want you to pound your head any longer! Instead, the next time you want to blindly trust someone, I want you to find an electric outlet put your tongue on the outlet! ZAAAAAAPPPPP!

I know that it's a bit extreme but we have good luck with the process. 99.93 of our clients no longer trust anyone!

The other .07 are just very sick and peculiar human beings! LOL!

by panamabev Thu Dec 29, 2011 4:49 pm

No worries Dinar4silver!! I was burnt so bad with the house situation, and then with band I was booking...I don't trust ANYBODY! :nono: No more blind trust!! I'm not out there alone this time around!! I got my trusted and verified team together now!!

Dinar4silver wrote:panamabev!

I am so proud of you!

I want you to take our level two course now.

Every time you want to blindly trust someone, I don't want you to pound your head any longer! Instead, the next time you want to blindly trust someone, I want you to find an electric outlet put your tongue on the outlet! ZAAAAAAPPPPP!

I know that it's a bit extreme but we have good luck with the process. 99.93 of our clients no longer trust anyone!

The other .07 are just very sick and peculiar human beings! LOL!

by Cardiac99 Fri Dec 30, 2011 2:13 am

My brother and I are not invested in IQD, but we do have VND. Our plan is to buy an acreage (80-160 acres). If it does not already have more than 1 house on it, we will place a used mobile home for him. He and I will be buying, selling, and training horses as well as raising Brangus beef cattle. My wife and her neice are planning to open a small, homestyle cooking diner somewhere near where we move to. All of the ranch operation and most of the diner operation will be family owned and operated, so payroll costs will be low. This will also get us around most of the Workers Comp rules. The ranch, vehicles, houses, equipment, livestock, and the diner will all be protected by corporation ownership.

by Dinar4silver Fri Dec 30, 2011 7:54 am

Cardiac99,

Sounds like you have been doing some planning! Good for you! I take it that you are going to purchase property in Oklahoma (based on your location under your Monicker).

Based on your research, what rate do you think the VND will RV at? I also have VND (along with Dinar).

Good luck to you with the RV and your long term ranch plan!

Go RV!

by Guest Fri Dec 30, 2011 8:34 am

panamabev wrote:No worries Dinar4silver!! I was burnt so bad with the house situation, and then with band I was booking...I don't trust ANYBODY! :nono: No more blind trust!! I'm not out there alone this time around!! I got my trusted and verified team together now!!

Dinar4silver wrote:panamabev!

I am so proud of you!

I want you to take our level two course now.

Every time you want to blindly trust someone, I don't want you to pound your head any longer! Instead, the next time you want to blindly trust someone, I want you to find an electric outlet put your tongue on the outlet! ZAAAAAAPPPPP!

I know that it's a bit extreme but we have good luck with the process. 99.93 of our clients no longer trust anyone!

The other .07 are just very sick and peculiar human beings! LOL!

You live and you learn as the old saying goes.

by **rick152** Fri Dec 30, 2011 11:06 am

There are other areas to have a small to medium business that are relativity safe...In the areas of PARTS like auto / equipment parts as when there is a bad economy peeps tend to repair instead of buy. Also Interest in these suppliers (like stock or direct investing) in the manufacturers of said parts, Just another posibility, these would include A/C heat and other home type repairs also...rick152

by Guest Fri Dec 30, 2011 11:40 am

Lots and Lots of good ideas in this thread. This is what this site is all about. Sharing!

I added the IQD to my portfolio as an investment for the main retirement realizing I did not have enough, even at my young age of nealy 50.

For me and after RV?RI I will need to protect it for such a retirement plan, rather than grow it. I could spend spend spend and never spend it all in the rest my lifetime and still leave a legacy for my kids and grand kids and theirs. I also set up the kids with IQD and one invested in more, which is what I was hoping for, so they are safe, depending on how they handle it. Of course I will guide them along the way.

Asset Protection and minimizing your tax burdens should be your first goals, then investing if that's what you plan to do. I recommend that you look into my up coming class as the count down to cut off is fast approaching. Its FREE.

AJ

by Guest Fri Dec 30, 2011 2:35 pm

AJAnderson wrote:Lots and Lots of good ideas in this thread. This is what this site is all about. Sharing!

I added the IQD to my portfolio as an investment for the main retirement realizing I did not have enough, even at my young age of nealy 50.

For me and after RV?RI I will need to protect it for such a retirement plan, rather than grow it. I could spend spend spend and never spend it all in the rest my lifetime and still leave a legacy for my kids and grand kids and theirs. I also set up the kids with IQD and one invested in more, which is what I was hoping for, so they are safe, depending on how they handle it. Of course I will guide them along the way.

Asset Protection and minimizing your tax burdens should be your first goals, then investing if that's what you plan to do. I recommend that you look into my up coming class as the count down to cut off is fast approaching. Its FREE.

AJ

I also plan on at least taking a long relaxing break. I would love to retire on what i have.

by Cardiac99 Fri Dec 30, 2011 2:53 pm

Dinar4silver wrote:Cardiac99,

Sounds like you have been doing some planning! Good for you! I take it that you are going to purchase property in Oklahoma (based on your location under your Monicker).

Based on your research, what rate do you think the VND will RV at? I also have VND (along with Dinar).

Good luck to you with the RV and your long term ranch plan!

Go RV!

Just going on what I read here and from what my relatives get from their sources, I am guessing a minimum of .30 to .50 on the VND. It has been said all along that the VND is going to be the "dark horse", the "long shot". I think if a person has VND and can wait for about 30 days after RV, he might get a better rate than it opens at. This is just my speculation, no links, no quotes, no sources. I know that there is a minimum rate that I will hold out for, then there is an "all-in" rate that I will dump all of it for.

by Dinar4silver Fri Dec 30, 2011 4:28 pm

Cardiac99,

I purchased my VND about a year ago and at that time, people were saying that the VND would probably RV at .10 to .15 cents and I was thrilled with that projection. Over the last few months, people have been stuck on .05 cents but the fact is that they are all guessing until the final rate comes out.

I hope you are the projection winner! As far as I'm concerned, everyone is guessing until the final bell rings.

I have now seen projections for the Dinar from .10 cents to $13.00!

Let's be honest, if I went into a local kindergarden class and told the kids that I needed them to guess the rate that money would be revalued at, their guesses would not be that drastic.

Then again, most of the 5 year olds don't understand money (did I say 5 year olds or everyone under 100?) and alot of those kids might not be able to count to 13.

Are you going to put the properties into land trusts?

Let's hope you are right on the VND projection!

Good luck on the RV!

by rrm7777 Thu Jan 05, 2012 10:39 pm

My brother, nephew, I and a few others are going to start a manufacturing company here in NY. We will be manufacturing highway equipment. We have several agencies in the State looking to help us get started. We are intending to hire up to 120 people in the first 3 years. All the political officials in the local governments are looking everywhere for places we can get grants and land. It's amazing how they will jump through the hoops for you, when you have a good plan and are looking to put people to work.

Once this is up and going, I plan on building Senior Living Centers for the elderly. It will have 2 rec centers for them to enjoy themselves without having to travel out. I am going to offer a local Physican, free office space, with the stipulation that they be available for the seniors when they need them. The rent for the seniors will be based on their income, with NO Federal agencies paying anything. I don't want the Fed's to have ANY say on how we run things in our centers. If the residents want to celebrate Christmas, they can do so without the government being able to say anything, because they will have NO ties to the center.

Then my wife and I will be continuing with the building of schools in the Philippines. We were hoping to have this RV behind us by now, but oh well. Soon I hope.

I haven't been just hanging around waiting on the RV. I've been looking for other alternatives to suppliment our income to get things started. I came across a great one, but I guess I am barred from letting anyone know about it on this forum. Did a post about it in the general discussion section, but it was pulled within an hour. Oh well, I guess that's the way things go.

Anyway, I see there are many people who have great post RV ideas, and I pray you all the best in your endevors. Just remember from where our blessing come.

God bless.

by MiddleClassMaiden Thu Jan 05, 2012 11:03 pm

REALLY GREAT IDEAS... solid thinking and worthy of consideration... How great is this? So informative, exciting and full of 'common sense' suggestions. THANKS all... I have YOUR list in my post rv folder... it WILL be revisited very, very soon.... you can count on it! Thanks again!

by **rick152** Fri Jan 06, 2012 1:01 am

Part of the problem"s with "singularly having either / or rental property...commercial or residential is that each has there own set of seperate downs closely envolving the economy.

right now in our current economy BOTH sectors are near equally hard hit. Commercial followed residential by about a year and a half. only in these severe times do both take sucha solid hit.

One combatant in this area would / could be to have properties that include both. I have considered getting into near or vacant semi high rise buildings and leaving the bottom couple floors as commercial (you know like grocery, fast food, dry cleaners / laundry companies, etc. And the upper floors as condos for sale or rent to basically have a all encompassing neighborhood all in one. Like it's own neighbor hood under one roof. This would help IMO avoid a bit of a falling economy, basically surviving longer than say a small strip store commercial and say a neighbor hood of 4 plexes or apartment buildings. even though I tend toward the apartment rentals I believe this type may much more vaible. Of course doing ! of these would be risky by having "all your eggs in one basket. Everyone should be very deversified for the best financial safety...rick152

by MiddleClassMaiden Fri Jan 06, 2012 7:02 am

Great Post, RIck152! Makes sense! Have a blessed and overwhelminglyl prosperous day and days to come...!

by Guest Mon Jan 16, 2012 5:25 pm

Keep the good advice coming...

by TexDave Mon Jan 16, 2012 8:55 pm

I like real estate. Even in today's economy I am still making money on my properties. I have not had the money to purchase property, upgrade and sell with owner finance, but I plan to do that after RV. Also, the government is assisting in building homes for lower income people. That has some profit, but also puts people to work in my area. Also, if I own land that can be farmed I can barter if the economy does a total crash. It's called "share cropping." They work, I eat.

I am going to invest in a church loan program. This is a program that allows you to invest your funds, they pay a very reasonable percentage, they loan the funds to churches and charge them a reasonable interest as well. The group doing this keeps a percent or two to cover their administration costs. I like the idea of helping churches.

I will not put all my eggs in one basket. I will seek advise from people who are wealthy and know more about managing large sums of money and sort that advise to determine what I will want to invest in.

by **rick152** Tue Jan 17, 2012 5:39 pm

What would be very nice is if there is a professional consultant here that would like to take on some dinarian customers after this comes. To advise (on a professional level) as to investments like real estate, stocks, bonds along with others...rick152

by Guest Wed Feb 01, 2012 4:31 pm

rick152 wrote:What would be very nice is if there is a professional consultant here that would like to take on some dinarian customers after this comes. To advise (on a professional level) as to investments like real estate, stocks, bonds along with others...rick152

I thinkers they have that planned for this site dont they?

by happywelshguy Wed Feb 01, 2012 8:36 pm

You may want to gain some knowledge on REIT's, particulary the Privately held Reits.

There is a multitude of benefits and little negatives.

bounce

rick152 wrote:Good afternoon all. Hope you are all well today. As we are waithing I thought we might get ahead in some of the things we have yet to address, as far as ahead plans.
Post RV I intend to, as quickly as possible, set up a "trust" in order to grow and further the amount of monies I will have to Give. I see that a lot of us peeps have the near same thoughts.

There are things we have heard about the drop in the dollar (soon after the rise from RV). If that does occur then where would the investments we make be or look like?

So therefore this post is a question as to what your thoughts are in the types of "investments, businesses, etc we might wish to place our money so as to (sort of) assure we grow to so enable said growth.

This is NOT suggesting we work together in these investments but to share our ideas. And to help each other.

Quick example: I have been a landlord before and also owned in retail. These even in this economy are fine (not as good as it should be but), But if the economy falls more and there are more and more out of work and can little afford food and shelter, where would our investments still increase in value and create more to give. Know what I mean?

OK Let the options begin.
Love each other and yourself...rick152

by wenlee Wed Feb 01, 2012 8:59 pm

Post dinar, your first priority should be to get your estate plan & asset protection in place before investing. A great place to start is to find an "Established Agent" with one of the 3 big mutual life insurance companies (New York Life, Mass Mutual, Northwestern). These companies are financially stronger than any of the banks and they did not get caught up in the derivatives in 2008, nor did they have to accept any TARP money. They will have the cream of the crop "Advanced Planning Departments" which will work with your local attorney & CPA. And as a potential client this service is at no cost. A lot of you may not realize that life insurance is used as a funding vehicle to cover estate taxes. These companies will also over annuities that will pay higher interest rates than the banks. There are alot of annuities out there in the market place but are with companies that might have poor ratings just like the banks. (You have to be careful!!!!) Also STAY AWAY FROM INDEXED ANNUITIES. They actually do not follow an index at all. Some of these contracts out there also charge fees to take out withdrawals for the lifetime of the contract. There are alot of lawsuits going on regarding these annuities. Do your homework!! By staying with one of the big three mutual companies, life insurance in a portfolio, annuities, etc are free from creditors. These make great "Asset Protection" vehicles. These type of insurance companies have the best minds in the industry and hire the cream of the crop attorneys with masters in taxation and specialized consultants to work in the "Advanced Planning Arena". They will also be able to show you how to set up your investments for "Long Term Care" needs as well and show you how to be your own banker in the future. I just wanted to point these things out due to so people dont realize the valuable resources they can provide.

by Guest Sun Feb 12, 2012 8:26 am

Thanks wenlee.

by pheasanthunter Sun Feb 12, 2012 8:57 am

Any advise on municipal bonds?? I understand that there are 30 year taxed and tax free bonds - taxed offers 6% return, tax free offers 4% returns. Guess one should consider their individual tax bracket to determine best %...

by **Kevind53** Sun Feb 12, 2012 9:49 am

Any annuity will have "fees," actually penalties for taking out too much over the life of the contract. Typically with the ones I deal with as a licensed agent the amount that can be withdrawn without a penalty is 10% a year. Some exclude the first year, some allow you to take out more if you did not withdraw the year before. Typically the contract life is between 5 and 10 years with the 8 - 10 year time period being the most common.

Wenlee I think, is mixing up INDEXED annuities, with VARIABLE annuities. An indexed annuity is a FIXED annuity that is tied to some equity index typically with some sort of cap or participation rate. A variable annuity is very similar to a mutual fund in that it is invested (not tied) to an equities fund. With an indexed annuity there is no market risk, while with a variable annuity there is.

Life insurance and annuities most definitely have a place in financial planning. But they are not the only things to be considered. Anyone who has sizable assets needs to have a financial team, tax layer, insurance agent and financial planner at a minimum who will work with them AND with each other to develop a comprehensive plan of wealth management and succession. Choose carefully, but I would not limit myself to just the big three or big four. Almost any insurance company will be more stable than a bank in hard times by the nature of their business and the types of investments that are made.