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Reclusive Millionaire Warns: “Get Out of Cash Now”

Something strange is going on in the financial system. And according to The Financial Times, it’s about to send a massive flood of cash into the pockets of the most prepared Americans. What exactly is going on and what does it mean for your money? I recently met up with former hedge fund manager, Dr. Steve Sjuggerud — one of the most widely-followed financial analysts in the world. Today, he shuns the spotlight and lives on a remote island off the Florida coast. And he’s built a new life… and a substantial fortune… by sharing a series of eerie predictions. Many of which have proven correct…….

Source: Investing Outlook

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3 Things To Watch Following McDonald’s Q3 Earnings – Alicia Kelso

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With global comp sales up 4.2% and U.S. comp sales up 2.4%, McDonald’s turned in a strong third quarter, and investors are happy for now. But we all know that running a restaurant chain is about more than just making investors happy, right? Beyond the financials, a number of narratives emerged during the company’s earnings call Tuesday morning that could qualify as storylines to watch through Q4. For starters, the company continues to endure its largest construction project ever with its Experience of the Future initiative…….

Read more: https://www.forbes.com/sites/aliciakelso/2018/10/24/three-storylines-to-watch-following-mcdonalds-q3-earnings-report/#3f804e0d26d5

 

 

 

 

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3 Mistakes to Avoid When Running a Crowdfunding Campaign – Roy Morejon

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When Retro Computers turned to Indiegogo for crowdfunding, it promised $100-level funders a handheld gaming device called the Vega+. With promises from the company that the device would come equipped with more than 1,000 games, the console quickly gained a following, and more than 3,600 people pledged $100 each to receive one.

The successful campaign gained U.K.-based Retro Computers more than half a million dollars.

But when the time came for those backers to receive the handheld devices, Retro Computers wasn’t able to deliver. Legal battles and production issues caused hiccups. The promised September 2016 delivery came and went. Users began getting upset — more and more publicly.

Finally, after unwanted media attention and, just this month, a lawsuit, Indiegogo intervened. The crowdfunding platform announced on June 6 that it was siccing debt collectors on Retro Computers in an effort to reimburse its donors.

Despite that tale of woe, entrepreneurs can’t ignore the potential of crowdfunding. Kickstarter has hosted nearly 150,000 successful projects, raising $3.7 billion since 2009, and Indiegogo has raised more than $1.5 billion since 2008. Done correctly, crowdfunding could provide the perfect building block for your next venture.

The ups and downs of crowdfunding

Crowdfunding’s popularity is not all hype. It can yield benefits beyond financial backing, helping your company build a loyal customer base and establish credibility before you’ve even launched. But you can’t just set up a Kickstarter page and watch the money roll in. The right strategy is essential to reap the rewards.

Pebble shows how it can and should be done. One of Kickstarter’s most successful campaigns of all time, the company raised more than $20 million from 78,000 backers — exceeding its goal by 4,068 percent. Pebble turned that consumer confidence into more than 2 million sales of its smartwatch and was ultimately bought out by Fitbit.

But when it comes to crowdfunding, there’s more to consider than whether your project will meet its fundraising goals. Even a successful campaign without serious forethought and planning can encounter challenges that will sink a business before it gets off the ground.

Coolest Cooler, on the other hand, might be one of the most disastrous campaigns in Kickstarter history. The company raised $13 million, but it wasn’t prepared to operate in the wake of such success. Coolest Cooler couldn’t fulfill rewards for its 62,642 backers.

Remember: It’s not just about hitting the goal. Even in successfully funded projects, 9 percent fail to deliver on promises to backers. That’s a hard hurdle to overcome in the beginning stages of any new business.

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Campaign mistakes to avoid

It’s easy to think of crowdfunding as easy money, but campaigns should be hard work if you’re doing them correctly. If you want to start your project on the right foot, avoid these common mistakes:

1. Kicking off without leads in place. Crowdfunding campaigns have short time lines. What’s more, campaigns rely on a momentum of interest. You’re going to have difficulty hitting your goal if you don’t have leads in place ready to back your campaign on day one. Not gathering enough leads before launching is the problem partially to blame for nearly every failed project.

Set up a landing page ahead of time describing your product and promoting your upcoming project. Include a contest in which people can enter their email address for a chance to win your product. This will give you a list of already interested folks to reach out to the day you launch your campaign.

2. Ignoring Facebook for potential conversions. Platforms such as Kickstarter and Indiegogo have large audiences, but if you rely solely on the backers already there, you probably won’t hit your goal.

So, look elsewhere. Facebook advertising is one of the most cost-effective ways to reach a highly targeted group of people that is likely to convert.

Consider the PEEjamas Kickstarter campaign, which my company mounted. That project hit its $14,000 goal early on, but my company wanted to see how far we could go. Funding increased from around $26,000 when we started the ads, to $227,469 by the time the campaign closed. I highly recommend working with a team of Facebook Ads specialists who can make the most of your ad budget.

3. Failing to consider scale. You might have a goal in mind, but what happens if you exceed it? Is your business model scalable? Are you going to be able to fulfill rewards? Don’t be Retro Computer or Coolest Cooler.

Make sure the price of each of your rewards is sufficient, whether you hit your goal exactly or raise more than you anticipate. Have a plan in place for shipping and fulfillment. Examine your profit margins closely as you set your funding goal, and determine product pricing. Consider factors such as minimum order quantities, manufacturing costs, marketing costs, platform fees, shipping costs and more.

One last thing to consider: Kickstarter and Indiegogo both have a 5 percent use fee and a 3 percent to 5 percent processing fee. Factor this into the goal you initially set.

Platforms such as Kickstarter and Indiegogo have broadened the horizons of startups and consumers alike, but getting the most value out of crowdfunding requires forethought and planning. There are plenty of Cinderella stories out there but also just as many cautionary tales. Avoid their mistakes to make the most of your fundraising endeavor.

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Stock Market Vs. Real Estate: The Right Approach For Passive Income Investors

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For new and hopeful passive investors, most of the accessible information on the topic of the stock market versus real estate presents widely varying opinions and tends to over complicate things by assuming you have a solid education in both fields. Rather than feeling informed, this type of guidance tends to leave you in a state of confusion.

For newcomers to the debate of real estate or the stock market, I prefer to share an oversimplification of the subject to ensure you can capture the basics, providing enough information so you can start asking better questions as you embark on an investing path.

First, I am assuming that you want to grow your retirement funds in a safe investment that will produce decent returns. Second, I am assuming you are busy and don’t have the time to gain the in-depth knowledge and experience needed to actively trade or invest in the stock market or real estate and are rather looking for simple solutions.

When it comes to your retirement and the stock market, the most common passive investments are mutual funds. If you’re fortunate enough to average a 10% return on your investments and then you factor in inflation and fees, your eventual return may be lower than anticipated.

In real estate, your passive opportunities are in private lending and rental properties. Private lending commonly involves lending funds to a real estate investor or business in exchange for a set return and length of time. (Full disclosure: I am co-partner of a turnkey investment company.) Turnkey rental properties allow the investor to be as hands-off as they like. This means a turnkey company purchases, rehabs, tenants and manages the property. To truly make this a passive investment, turnkey companies do all the work for you.

Here’s what several key factors of a passive investment looks like in real estate and the stock market:

Control: With the stock market, you are at the mercy of the fund and management. With private lending, you control who you invest with, the rate of return, the length of time you want to invest and approval of the asset your money is secured by. With rental properties, you are in control of what you buy, the improvements that will increase rents and what costs are passed onto the tenants, such as landscaping and shared utility expenses.

Tangible asset: With the stock market, you lack anything tangible. With private lending and rental real estate, your funds are secured by a physical asset.

Cash flow: With the stock market, if we hit a down cycle, your profits are instantly lost. In real estate, in any economic downturn, private lenders have up to 50% equity already built in, and investors with rental properties keep netting their monthly cash flow from their tenants despite the dip.

Leverage: With the stock market, you invest your retirement savings or cash on hand. The same is true for private lending. You can leverage rental properties four-to-one, sometimes five-to-one, meaning your $50,000 investment can buy you $200,000-250,000 in real estate. In a rising market, this is a good thing and will maximize your cash on cash return.

Tax advantages: If you purchased $50,000 in stock that is now worth $200,000, you will pay taxes on that amount when you sell it. Rental properties provide opportunities for multiple tax advantages such as depreciation, deductions and a 1031 Exchange.

Appreciation: You don’t get to factor in added appreciation when investing in the stock market or private lending, but you do with a tangible asset like rental real estate. When you bring together the advantage of real estate being tangible, there’s really no comparison for the passive investor.

The math: Assuming a $50,000, 15-year investment in the passive opportunities we’ve discussed in this article:

• A mutual fund investment averaging 10% returns after fees ends up at a 7% net annualized return = Almost $138,000 after 15 years.

• Private lending investment with no fees averaging 12% net annualized return = Over $273,000 after 15 years.

• A turnkey rental property investment leveraging your $50,000 to buy $200,000 in real estate, averaging 6% in net annualized return after expenses and 3% annual appreciation of the asset = Over $431,000 after 15 years.

Whether you’re investing for your approaching retirement or beginning your passive income approach well ahead of time, passive investing is for anyone who seeks true financial peace of mind and passive income. If you had $10,000 month coming in passively, what would you be doing today? You don’t have to be an active real estate investor to achieve your goals — but you do need to find passive ways to direct some of your money into real estate.

By: Dani Lynn Robison

5 Wise Cash Windfall Hacks for Small Business Owners

Cash Windfall Tips: Saving Money When the Ship Comes In

Ah, there’s nothing quite like receiving a windfall of money. It may come by way of an unexpected inheritance, a work bonus or a job promotion. And depending on how you spend it, that sweet bit of extra cash may leave you feeling either relaxed or stressed out.

While it’s tempting to spend it immediately, you know it’s in your best interest to sock most of it away for the future.

Cash Windfall Tips

Here are a handful of tips on how to save when you get a windfall of cash:

Hold Off on Lifestyle Upgrades

As tempted as you may be, don’t fall prey to lifestyle inflation. While you may want to move into larger digs or buy that sleek new ride you’ve had your eye on, hold off for now. This doesn’t mean that you won’t ever upgrade your lifestyle. It’s just a better idea to make sure you have  your financial bases covered before you begin to indulge.

Instead, pay yourself first and this way you’ll be putting your money toward what’s most important to you. From here, divvy up your extra cash into specific accounts, or transfer it into a single money goal for an impactful punch.

Stick with your Saving Habits

If you’re committed to saving a certain amount each month for your money goals, don’t let this fall by the wayside. While it’s easy to be lured into splurging on non-essentials, such as a new wardrobe or shiny Airstream trailer, use your windfall of cash to propel your existing goals.If you really want a new toy, set up a specific savings account and commit to putting money into this bucket each month.

Splurge Wisely

Now that you’ve got some extra cash in the bank, it’s time to do a happy dance. Why not enjoy some of this newfound money?

But here’s the thing: if you’re going to indulge, do it within reason. Save a specific amount for fun or spend whatever is leftover after you save for your goals. Rent that sports car for a day, go on a safari wine cruise, or dine at the restaurant featured on Chef’s Table. Just don’t spend it all.

When I have a great month as a freelancer, I allocate anywhere from five to 10 percent of “extra money” toward a spending account for pure indulgences. I save the rest in my emergency fund, as well as my savings accounts for a new car, investing, gifts, and retirement. What’s great about planning out your splurges is that can still save prudently. Plus, you’ll have a better idea of how much you can afford to spend. This will go much further than blowing your entire windfall of cash all at once.

Pretend you Never Got It

While you may be tempted to spend that extra cash on something frivolous, it’s a much better idea to pretend it doesn’t exist and keep saving for your goals.When I was fresh out of college, I received a small windfall of cash from my mom. She had just bought my brother a new car, and be fair to me, she cut me a check for a sizable down payment on new wheels.

I was living in a squat apartment at the time, and barely bought anything beyond the bare essentials. In fact, I only afforded myself one long weekend trip a year. Trust me, I was tempted to burn through that money. Instead, I squirreled it away, put myself through an amnesia machine, and tried to forget I ever received it. Even when I landed a job promotion and made more headway on my savings, that money never left my account.

Grow your Money Beyond your Windfall

By practicing delayed gratification and employing the other tried-and-true tricks listed here, you’ll stay motivated to save long after you receive that windfall of cash. And, by developing healthy money habits, you will hopefully see your overall financial sitch improve.

By: 

Cash Flow Power Investing & Business Strategies

Need extra cash in your budget? Worried about money coming in from a job, pension or other source of revenue? Worried about “making ends meet”? Would you like extra income…now or in the future…even if you are not working?

Then put your spare time and your talents and efforts to use and become more financially secure…learn how you can create passive, residual income that could be there for you now and in the future. This information-packed course will show you how to generate passive income by doing powerful business strategies that take only an evening or a weekend…but can earn you income days, weeks or even months (or years!) after you finish some simple work! In this class, Paul Mladjenovic will reveal business income-generating strategies that virtually anyone can put into action in very little time. Learn…

  • How simple information products can bring you money months later
  • How major sites like Amazon can give you residual income (even 6 figures!)
  • Why earning an extra $100, $500, $1,000 per month (or more) is easier and quicker than you think!
  • What free resources and services can make it super-simple to generate thousands of dollars in passive income almost immediately
  • How to generate passive income even if you have no start-up cash, experience or knowledge…even if you are a total “newbie” or have zero expertise
  • Which profitable projects you can do even if you have very little spare time
  • Where to get free software and free assistance to help you succeed
  • Find out dozens of ways you can earn money now or generate future passive, residual income so you are more financially secure
  • Real-life examples of ordinary folks that have generated a full-time income in their spare time…Working less and enjoying life more!

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One of the biggest differences between high-income and low-income people is what they do in their spare time! Turn your spare time, talents and expertise into a profitable business from the comfort of home! having your own business coupled with the right moves in your investment portfolio means a two-pronged approach to help you build wealth and financial security.

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