Saturday, August 16, 2025

Real Estate Investment Trusts (REITs) By Anthony Jeanty / Trust Funds / Annuities / Mutual fund / Living Trust / Commodities / Municipal bonds / Common and preferred stocks

Stocks: What are stocks? 

Common stocks and preferred stocks...

Stocks are a type of security that gives stockholders a share of ownership in a company. Stocks also are called “equities.”

Why do people buy stocks?

Investors buy stocks for various reasons. Here are some of them:
  • Capital appreciation, which occurs when a stock rises in price
  • Dividend payments, which come when the company distributes some of its earnings to stockholders
  • Ability to vote shares and influence the company
 

Why do companies issue stock?

Companies issue stock to get money for various things, which may include:
 

What kinds of stocks are there?

There are two main kinds of stocks, common stock and preferred stock.
Common stock entitles owners to vote at shareholder meetings and receive dividends.
Preferred stockholders usually don’t have voting rights but they receive dividend payments before common stockholders do, and have priority over common stockholders if the company goes bankrupt and its assets are liquidated.
Common and preferred stocks may fall into one or more of the following categories:
  • Growth stocks have earnings growing at a faster rate than the market average. They rarely pay dividends and investors buy them in the hope of capital appreciation. A start-up technology company is likely to be a growth stock.
 
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  • Income stocks pay dividends consistently. Investors buy them for the income they generate. An established utility company is likely to be an income stock.

  • Value stocks have a low price-to-earnings (PE) ratio, meaning they are cheaper to buy than stocks with a higher PE. Value stocks may be growth or income stocks, and their low PE ratio may reflect the fact that they have fallen out of favor with investors for some reason. People buy value stocks in the hope that the market has overreacted and that the stock’s price will rebound.
 
  • Blue-chip stocks are shares in large, well-known companies with a solid history of growth. They generally pay dividends.
Another way to categorize stocks is by the size of the company, as shown in its market capitalization. There are large-cap, mid-cap, and small-cap stocks

. Shares in very small companies are sometimes called “microcap” stocks. The very lowest priced stocks are known as “penny stocks.” These companies may have little or no earnings. Penny stocks do not pay dividends and are highly speculative.
 

What are the benefits and risks of stocks?

Stocks offer investors the greatest potential for growth (capital appreciation) over the long haul. Investors willing to stick with stocks over long periods of time, say 15 years, generally have been rewarded with strong, positive returns.
But stock prices move down as well as up. There’s no guarantee that the company whose stock you hold will grow and do well, so you can lose money you invest in stocks.
If a company goes bankrupt and its assets are liquidated, common stockholders are the last in line to share in the proceeds. The company’s bondholders will be paid first, then holders of preferred stock. If you are a common stockholder, you get whatever is left, which may be nothing.
  www.facebook.com/knowledgefinancialgroupforyou 
Even when companies aren’t in danger of failing, their stock price may fluctuate up or down. Large company stocks as a group, for example, have lost money on average about one out of every three years. If you have to sell shares on a day when the stock price is below the price you paid for the shares, you will lose money on the sale.
 

How to buy and sell stocks

You can buy and sell stocks through:
  • A direct stock plan
  • A dividend reinvestment plan
  • A discount or full-service broker
  • A stock fund
Direct stock plans. Some companies allow you to buy or sell their stock directly through them without using a broker. This saves on commissions, but you may have to pay other fees to the plan, including if you transfer shares to a broker to sell them. Some companies limit direct stock plans to employees of the company or existing shareholders. Some require minimum amounts for purchases or account levels.
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Dividend reinvestment plans. These plans allow you to buy more shares of a stock you already own by reinvesting dividend payments into the company. You must sign an agreement with the company to have this done.
 Check with the company or your brokerage firm to see if you will be charged for this service.
Discount or full-service broker. Brokers buy and sell shares for customers for a fee, known as a commission.
Stock funds are another way to buy stocks. These are a type of mutual fund that invests primarily in stocks. Depending on its investment objective and policies, a stock fund may concentrate on a particular type of stock, such as blue chips, large-cap value stocks, or mid-cap growth stocks.
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Bonds

What are bonds?

A bond is a debt security, similar to an IOU. Borrowers issue bonds to raise money from investors willing to lend them money for a certain amount of time.
When you buy a bond, you are lending to the issuer, which may be a government, municipality, or corporation.
 
 In return, the issuer promises to pay you a specified rate of interest during the life of the bond and to repay the principal, also known as face value or par value of the bond, when it "matures," or comes due after a set period of time.
 

Why do people buy bonds?

Investors buy bonds because:
  • They provide a predictable income stream. Typically, bonds pay interest twice a year.
  • If the bonds are held to maturity, bondholders get back the entire principal, so bonds are a way to preserve capital while investing.
  • Bonds can help offset exposure to more volatile stock holdings.
Companies, governments and municipalities issue bonds to get money for various things, which may include:
  • Providing operating cash flow
  • Financing debt
  • Funding capital investments in schools, highways, hospitals, and other projects


What types of bonds are there?

There are three main types of bonds:
  • Corporate bonds are debt securities issued by private and public corporations.
  • Investment-grade.  These bonds have a higher credit rating, implying less credit risk, than high-yield corporate bonds.
  • High-yield.  These bonds have a lower credit rating, implying higher credit risk, than investment-grade bonds and, therefore, offer higher interest rates in return for the increased risk.
  • Municipal bonds, called “munis,” are debt securities issued by states, cities, counties and other government entities. Types of “munis” include:
  • General obligation bonds. These bonds are not secured by any assets; instead, they are backed by the “full faith and credit” of the issuer, which has the power to tax residents to pay bondholders.
  • Revenue bonds. Instead of taxes, these bonds are backed by revenues from a specific project or source, such as highway tolls or lease fees.  Some revenue bonds are “non-recourse,” meaning that if the revenue stream dries up, the bondholders do not have a claim on the underlying revenue source.
  • Conduit bonds. Governments sometimes issue municipal bonds on behalf of private entities such as non-profit colleges or hospitals. These “conduit” borrowers typically agree to repay the issuer, who pays the interest and principal on the bonds. If the conduit borrower fails to make a payment, the issuer usually is not required to pay the bondholders.
 
  • U.S. Treasuries are issued by the U.S. Department of the Treasury on behalf of the federal government. They carry the full faith and credit of the U.S. government, making them a safe and popular investment. Types ofU.S. Treasury debt include:
  • Treasury Bills. Short-term securities maturing in a few days to 52 weeks
  • Notes. Longer-term securities maturing within ten years
  • Bonds. Long-term securities that typically mature in 30 years and pay interest every six months
 

What are the benefits and risks of bonds?

Bonds can provide a means of preserving capital and earning a predictable return. Bond investments provide steady streams of income from interest payments prior to maturity.
The interest from municipal bonds generally is exempt from federal income tax and also may be exempt from state and local taxes for residents in the states where the bond is issued.
As with any investment, bonds have risks. Bond investors are relying on the issuer’s ability to pay interest and repay principal. If the issuer has financial problems or defaults, the bondholders could wind up with losses.
Other risks include:
Call risk. The possibility that a bond issuer retires a bond before its maturity date, something an issuer might do if interest rates decline, much like a homeowner might refinance a mortgage to benefit from lower interest rates.
 
Inflation risk. Inflation is a general upward movement in prices. Inflation reduces purchasing power, which is a risk for investors receiving a fixed rate of interest.
Liquidity risk . This refers to the risk that investors won’t find a market for the bond, potentially preventing them from buying or selling when they want.
Interest rate risk. Interest rate changes can affect a bond’s value. If bonds are held to maturity the investor will receive the face value, plus interest. If sold before maturity, the bond may be worth more or less than the face value.
Rising interest rates will make newly issued bonds more appealing to investors because the newer bonds will have a higher rate of interest than older ones. To sell an older bond with a lower interest rate, you might have to sell it at a discount.
 

How to buy and sell bonds

With the exception of U.S. Treasury debt, bonds typically are not bought directly from the issuer but through an intermediary known as the underwriter.
 
Unlike stocks, bonds are not traded on an exchange; instead the underwriter buys them from the issuer and resells them to investors in the over-the-counter (OTC) market. Each bond is given a CUSIP number, similar to a ticker symbol, which is a uniform method to identify the security.
 
Usually, bonds are sold in the OTC market in $5,000 denominations. However, the prices are quoted as if the bonds were traded in $100 increments. Since bonds may be sold at a premium or a discount to the par value, that number is not always $100. Thus, a bond quoted at 97 refers to a bond priced at $97 per $100 of the face value of the bond. This bond is selling at a discount.
 
Another way to purchase bonds is through bond funds. These are a type of mutual fund that invests primarily in bonds. Depending on its investment objective and policies, a bond fund may concentrate its investments in a particular type of bond. Bond funds can be purchased directly through investment companies or through a broker or adviser.
 

Understanding fees

All investments have fees. Bonds bought by investors normally include a markup, which consists of the broker-dealer’s costs and profit. An additional commission may be added if a broker-dealer has to locate a specific bond rather than selling one from the firm’s inventory. 
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Commodities

What are commodities?

Commodity futures contracts are an agreement to buy or sell a specific quantity of a commodity at a specified price on a particular date in the future.
 
Metals, grains, and other food, as well as financial instruments, including U.S. and foreign currencies, are traded in the futures market.
With limited exceptions, trading in futures contracts must be executed on the floor of a commodity exchange. Exchange-traded commodity futures and options provide traders with contracts of a set unit size, a fixed expiration date, and centralized clearing.
 
In centralized clearing, a clearing corporation acts as a single counterparty to every transaction and guarantees the completion and credit worthiness of all transactions.
 
Anyone who trades futures with the public or gives advice about futures trading must be registered with the National Futures Association (NFA). Before investing in commodity futures, check that the individual and firm are registered.
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Mutual Funds

What are mutual funds?

A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, and short-term debt.
The combined holdings of the mutual fund are known as its portfolio. Investors buy shares in mutual funds. Each share represents an investor’s part ownership in the fund and the income it generates.
 

Why do people buy mutual funds?

Mutual funds are a popular choice among investors because they generally offer the following features:
 
  • Professional Management. The fund managers do the research for you. They select the securities and monitor the performance.
  • Diversification or “Don’t put all your eggs in one basket.” Mutual funds typically invest in a range of companies and industries. This helps to lower your risk if one company fails.

  • Affordability. Most mutual funds set a relatively low dollar amount for initial investment and subsequent purchases.
  • Liquidity. Mutual fund investors can easily redeem their shares at any time, for the current net asset value (NAV) plus any redemption fees.

What types of mutual funds are there?

Most mutual funds fall into one of four main categories – money market funds, bond funds, stock funds, and target date funds. Each type has different features, risks, and rewards.
 

What are the benefits and risks of mutual funds?

Mutual funds offer professional investment management and potential diversification. They also offer three ways to earn money:
  • Dividend Payments. A fund may earn income from dividends on stock or interest on bonds. The fund then pays the shareholders nearly all the income, less expenses.

  • Capital Gains Distributions. The price of the securities in a fund may increase. When a fund sells a security that has increased in price, the fund has a capital gain. At the end of the year, the fund distributes these capital gains, minus any capital losses, to investors.

  • Increased NAV. If the market value of a fund’s portfolio increases, after deducting expenses, then the value of the fund and its shares increases. The higher NAV reflects the higher value of your investment.
All funds carry some level of risk. With mutual funds, you may lose some or all of the money you invest because the securities held by a fund can go down in value. Dividends or interest payments may also change as market conditions change.
 

How to buy and sell mutual funds

Investors buy mutual fund shares from the fund itself or through a broker for the fund, rather than from other investors. The price that investors pay for the mutual fund is the fund’s per share net asset value plus any fees charged at the time of purchase, such as sales loads.
 
Mutual fund shares are “redeemable,” meaning investors can sell the shares back to the fund at any time. The fund usually must send you the payment within seven days.
 
Before buying shares in a mutual fund, read the prospectus carefully. The prospectus contains information about the mutual fund’s investment objectives, risks, performance, and expenses.

Understanding fees

As with any business, running a mutual fund involves costs. Funds pass along these costs to investors by charging fees and expenses.
Fees and expenses vary from fund to fund. A fund with high costs must perform better than a low-cost fund to generate the same returns for you.
Even small differences in fees can mean large differences in returns over time
 www.buyheremarket.blogspot.com If you want to build a portfolio without getting pinched too hard by fees, keep reading. I'll highlight some of the best Vanguard ETFs you can buy across all sorts of categories, from blue-chip growth stocks to emerging-market companies to a couple fixed-income options and more.
WARNING:   This article does not constitute individualized investment advice. Not as personalized investment recommendations. Act at your own discretion, consult financial advisor, your CPA or your tax consultant.

“ETF” is an acronym for an “exchange-traded fund.” There is a universe of exchange-traded funds out there sometimes it's hard to know the good, the better, and the best.
 we’re not talking about tactical or short-term bets, but rather foundational investments for the long haul.
When it comes to investment, different approaches for different investors. 
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Dividend ETFs: A focus on dividend stocks can help you generate another type of return by sharing directly in the profits of a company via regular payouts to your investment account. These dividends are great to have in good times when stocks are heading higher … ---------

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""Learning how to trade ETFs

""ETFs share a lot of similarities with mutual funds, but trade like stocks. Discover how ETFs can help you gain the advantages of diversity with a basket of holdings, while also allowing you to take advantage of price movements because they trade during the day like stocks.

"" 

""Understanding the basics of ETF’s

""Exchange traded funds (ETFs) are baskets of securities that trade intraday like individual stocks on an exchange, and are typically designed to track an underlying index.

""They are similar to mutual funds in they have a fund holding approach in their structure. That means they have numerous holdings, sort of like a mini-portfolio.

"" 

""Each ETF is usually focused on a specific sector, asset class, or category. ETFs can be used to help diversify your portfolio, or, for the active trader, they can be used to profit from price movements.

"" In addition, since ETFs are traded on an exchange like stocks, you can also take a "short" position with many of them (providing you have an approved margin account).

""A short position allows you to sell an ETF you don't actually own in order to profit from downward price movement. Note that shorting a position does expose you to theoretically unlimited risk in the event of upward price movement.

"" 

""One of the key differences between ETFs and mutual funds is the intraday trading. Mutual funds settle on one price at the end of the trading day, known as the net asset value, or NAV. ETFs are traded on the exchange during the day, so their price fluctuates with the market supply and demand, just like stocks and other intraday traded securities.

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""Trading ETFs

"" ""Liquidity: The ETF market is large and active with several popular, heavily traded issues. This makes it easier to get in and out of trades. However, liquidity varies greatly, and some narrowly focused ETFs are illiquid.

"" 

""Choices: There is a huge variety of ETFs to choose from across different asset classes, such as stocks and bonds. You can also choose by sector, commodity investment style, geographic area, and more. Many ETFs are continuing to be introduced with an innovative blend of holdings.

"" 

""Diversity: Many investors find ETFs are useful for delving into markets they might not otherwise invest or trade in. Since they are baskets of assets and not individual stocks, ETFs allow for a more diverse approach to investing in these areas, which may help mitigate the risks for many investors.

"" 

""Commissions and Fees: ETFs typically trade by commission, however, TD Ameritrade offers access to more than 2,300 commission-free ETFs. In general, an ETF tends to be more cost-efficient than an actively managed mutual fund, because of its indexed nature. This often results in lower fees.

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  • How to choose the right oil ETF

    With so many oil ETFs out there, investors face a daunting task in picking the best one for their portfolio. One way to narrow the field is by looking for the following three criteria:

    • A low expense ratio: Investors pay ETF managers a fee to manage the fund. The lower these fees, the better, because they will eat into an investor's return over the long term. 

    • At least several hundred million dollars in assets under management: Trading liquidity can be a problem with smaller ETFs, which is why it's better to choose a larger fund, so that this doesn't become an issue during periods of market turbulence. 

    • A solid history of tracking its benchmark: Most ETFs track a benchmark, whether that's the price of oil or a market index. Look for ETFs that have closely mirrored theirs over the past several years. 
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    Monthly dividend income ETF'SVCIT = VANGUARD CORPORATE BONDS ETFSPHD = S&P DIVIDEND ETFPEY - INVESCO EQUITY ETFEMB = ISHARES BOND ETFPGF = INVESCO PREFERRED ETF

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    QUARTERLY DIVIDEND ETF'SNOBL = LARGE CAP DIVIDENDDON = MID-CAP DIVIDEND WISDOM TREE ETFDOO = INTERNATIONAL DIVIDEND ETFVNQ = VANGUARD REITS ETFAMLP = MASTER LIMITED ETFTLT = ISHARES 20 YEAR TREASURY ETFSCD = LMP CAPITAL ETFVYMI =  VANGUARD INCOME FUND

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    Mid-stream companies: are companies that ship commodities like oil, gas petroleumUp-stream companies: are companies that pull oil, gas from the ground or offshore.Down-stream companies: are companies that refine and sell oil, gas, petrol and sell them.

    ETF'S ON S&P 500NOBL - SPYD - SPDV - DIV - SPFF = GLOBAL SUPER INCOME PREFERRED ETF'SMDIV = THIS COMPANY INVESTS 20% IN PREFERRED SHARES - 20% IN REITS - 20% IN DIVIDEND STOCKS - 20% - MLP'S - 20% IN BOND YIELD FUNDSO = REALTY INCOME FUND ETFMO = ALTRIA GROUP

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    It is necessary to use actual symbols. However, Knowledge Financial Group and or Visionone Holding Company do not make recommendations or determine the suitability of any security or strategy for individual traders.

     

    DIVIDEND ARISTOCRATELEG  - VFC - CL - HRL - WMT - GWW - ED - ORILY AUTO PARTS - HCP REIT'S - {MPW] MEDICAL PROPERTIESLEN = HOME-BUILDER - CHD - ADM - IBM - GM - F - PSEC=PROSPECT CAPITAL

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    Best Dividend Stocks to Buy for this year... Bristol-Myers Squibb (ticker: BMY)  -  Pharmaceutical giant Bristol-Myers Squibb, fresh off a year in which it gobbled up "pharma tour de force" Celgene and gained 28%, looks like one of the best dividend stocks to buy. 

     Market capitalization: $155 billion.  Medifast (MED) - The best dividend stocks to buy are often ones that can both afford to pay shareholders a meaningful quarterly dividend – preferably a sustainable and growing one – and offer a shot at solid capital gains. Medifast, which sells healthy meals .Market capitalization: $1.3 billion

    Energy Transfer LP (ET) - Also tapped as one of the top energy stocks to buy for 2020, Energy Transfer is a natural gas pipeline company operating as a master limited partnership, an MLP. Market capitalization: $37 billion 

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 ""XLE  Energy Select Sector SPDR Fund "XLF  Financial Select Sector SPDR Fund      "XLU Utilities Select Sector SPDR Fund 
"XLI   Industrial Select Sector SPDR Fund "XLK Technology Select Sector SPDR Fund "XLV Health Care Select Sector SPDR Fund
"XLY Consumer Discretionary Select Sector SPDR Fund
"XLP  Consumer Staples Select Sector SPDR Fund  
"XLB  Materials Select Sector SPDR Fund
"XOP  Spdr S&P Oil & Gas Exploration & Production Etf
"IYR   iShares U.S. Real Estate ETF 
"ITB   iShares U.S. Home Construction ETF "VNQ Vanguard Real Estate Index Fund ETF Shares "IYE   iShares U.S. Energy ETF  
"XRT Spdr S&P Retail Etf
"KBE SPDR S&P Bank ETF

"XTL  SPDR S&P Telecom ETF

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Best ETFs to Buy for an All-Weather Portfolio: IVV – SPY – EQWM –

""{ CHD – SPG – TM } – SCHA – VEA – NSRGY – VWO – SHV – XLRE – VTI – VTSAX – TLT – VUSTX – IEF– VFIUX – GLD – DBC –

""------------

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"" REAL ESTATE FUNDS:

""EWRE - FRI - VNQ - FMAGX - FREEL - BBRE - TRREX -

""XLRE - SCHH - REET - RWR - IYR - REZ - PPTY - NETL -FFO - KIM -KBWY - AMT - PLD - AVB - WELL -

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(ADM)AT&T (T)Automatic Data Processing

 (ADP)Becton, Dickinson and Co.

(BDX)Brown-Forman Corp.

(BF.B)Chevron Corp.

(CVX)Chubb (CB)Cincinnati Financial Corp.

 (CINF)Cintas Corp. (CTAS)The Clorox Co.

 (CLX)The Coca-Cola Co. (KO)Colgate-Palmolive Co.

 (CL)Consolidated Edison (ED)Dover Corp.

 (DOV)Ecolab (ECL)Emerson Electric Co.

 (EMR)Exxon Mobil Corp. (XOM)

Federal Realty Investment Trust

(FRT)Franklin Resources (BEN)General Dynamics Corp.

(GD)Genuine Parts Co. (GPC)Hormel Foods Corp.

 (HRL)Illinois Tool Works (ITW)Johnson and Johnson

 (JNJ)Kimberly-Clark Corp. (KMB)Leggett & Platt

 (LEG)Lowe's Companies (LOW)McCormick & Co.

 (MKC)McDonald's Corp. (MCD)Medtronic

(MDT)Nucor Corp. (NUE)Pentair (PNR)People's United Financial

(PBCT)PepsiCo (PEP)PPG Industries

 (PPG)Procter & Gamble Co. (PG)Roper Technologies

 (ROP)S&P Global (SPGI)The Sherwin-Williams Co.

(SHW)Stanley Black & Decker (SWK)Sysco Corp. (SYY)T. Rowe Price Group (TROW)Target Corp. (TGT)United Technologies

(UTX)V.F. Corp. (VFC)Walgreens Boots Alliance

 (WBA)Walmart (WMT)W.W. Grainger (GWW)

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We at Knowledge Financial Group - knowledgefinancialgroup.com  We're delighted to bring very helpful information for everyone who's interested... 

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 Knowledge Financial Group - knowledgefinancialgroup.blogspot.com  Provides:  Unlimited Access: Learn What You Want, When You Want, From Our Entire Web Library; Sites, Blogs, Articles, And Social Media Pages. = Education -Training - Videos - Tutorials - Seminars  at  - youtube.com/knowledgefinancial

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Incredible wealth of information; Anyone regardless of experience you can take advantage...

""

We at knowledgefinancialgroup.com we're here to help from the beginning to the end of it... With up to the minute knowledge.https://knowledgefinancialgroup.com/knowledge

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NOTE: Mutual funds only trade one time per day. After the market closed the price is set.

NOTE: ETF's can be traded constantly throughout the day until the market closed.

NOTE: Closed End Funds can be bought and sold all day long when the market open.

 NOTE" When we buy or sell closed end funds; we buy from other investors, or we sell to other investors.

NOTE; We can buy closed end funds for less they are really worth meaning at a discount. 

NOTE: Closed end funds usually have high fees. Closed end funds are managed by professional money managers.

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""All Weather Portfolio is an investment philosophy: Investment Strategies And Opportunities for today’s market and tomorrow’s result.

""All Season’ investment strategy for a better return on investment.

""Portfolio Can Contain:

""About 40% in U.S. stocks

""30% U.S. Treasury Bonds, Corporate Bonds, Municipal and or some international bonds.

""15% in precious metal, like gold etc

""7.50% Real estate

""7.50% in broad Commodity basket.

""------------------

""For example: All Weather’ Portfolio ETFs

""30% Vanguard Total Stock Market ETF (VTI)

15% iShares 7-10 Year Treasury ETF (IEF) "7.50% SPDR Gold Shares ETF (GLD) "7.50% PowerShares DB Commodity Index Tracking Fund (DBC)
10% Emerging Market Stocks (I used EEM)
10% "VNQ Vanguard Real Estate Index Fund ETF Shares

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"RECESSION PROOF PORTFOLIO // The stock market is volatile, but if you have a good strategy, you don't need to worry. Recession-proof your investments with good strategies.

""Best ETFs to Buy for an All-Weather Portfolio: IVV – SPY – EQWM –

""{ CHD – SPG – TM } – SCHA – VEA – NSRGY – VWO – SHV – XLRE – VTI – VTSAX – TLT – VUSTX – IEF– VFIUX – GLD – DBC –

""------------------

""This presentation is for educational purposes only and is not a recommendation or endorsement of any particular investment or investment strategy. Past performance does not indicate or guarantee future success. Returns will vary and all investments involve risks, including loss of principal.

"" 

""Trading securities can involve high risk and the loss of any funds invested. Investment information provided may not be appropriate for all investors, and is provided without respect to individual investor financial sophistication, financial situation, investing time horizon or risk tolerance.

We are here to provide the best real estate experience for our clients. 

Looking to buy, sell, or invest in the Miami area, Braward County, Palm Beach Florida? Look no further. With years of experience, we are the team who help you with all of your real estate needs. Services that we have to offer. From buyers, sellers, and investors, we cover it all. ========== ----------

Dividend Stocks: 

A dividend is a cash payment from a company to shareholders. Companies that regularly provide these cash payments are referred to as dividend stocks.

Often, investors favor dividend stocks because, to regularly pay out those dividends, they have to generate consistent and significant profits—a good sign that the company is financially healthy and well-managed.

 Invest in Dividend Stocks via ETFs

Exchange-traded funds are a good alternative to individual dividend stocks. ETFs spread your money around, rather than force you to rely on one company’s specific strengths and weaknesses. 
Dividend yield: A dividend yield tells you how much of your investment you can expect to get back in the form of dividends. A stock’s dividend yield, for instance, is calculated on an annualized basis, and expressed as a percentage of share price Example: If a stock trades for $200 and pays 1.00$ per quarter, that’s $4.00 in annual payouts—or 4.0% of the share price. So its dividend yield is 4.0%. Pretty easy.
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Ex-Dividend Date:

Is It Better to Buy Before or After the Ex-Dividend Date?

While it might seem to make sense to buy before the ex-dividend date so you can receive the dividend, buying after has perks, too. That's because the market usually adjusts the stock price to reflect the dividend payout, meaning you'll typically see a reduction in price equal to the amount of the dividend.

The ex-dividend date is the cutoff date for eligibility to receive a shareholder dividend. That is, the purchaser of stock shares on or after that date will not be paid a pending dividend payment.

On that date, the stock is said to be trading "ex-dividend," meaning its price reflects the dividend payment.

There are four dates to know when it comes to stock dividend payments: the declaration date, the ex-dividend date, the record date, and the payable date...

  • The declaration date is the date on which the company announces it will pay a dividend.
  • The record date is the date on which the company compiles a list of shareholders who are owed dividends.
  • The ex-dividend date is the date on or after which new purchasers of the stock will not be eligible for the pending dividend.
  • The payable date, usually one day after the ex-dividend date, is the date the payment goes out

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Dividend ETFs pay investors?

When you own an ETF, you own parts of shares of various dividend stocks with different payout schedules. However, you don’t get paid when those stocks pay out—you get paid based on the ETF’s payout schedule.

Dividend ETFs pay their investors the same way as dividend stocks do, with deposits appearing on your brokerage statement on a regular cycle. 

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To understand the ex-dividend date, we need to understand the stages companies go through when they pay dividends to their shareholders. Below are the four key dates during the process of issuing a dividend.

Declaration Date

The first of these stages is the declaration date. This is the date on which the company announces that it will be issuing a dividend in the future.

Record Date

The second stage is the record date, which is when the company examines its current list of shareholders to determine who will receive dividends. Only those who are registered as shareholders in the company’s books as of the record date will be entitled to receive dividends.1

Ex-Dividend Date

The third stage is the ex-dividend date, which is the date that determines which of these shareholders will be entitled to receive the dividend. Typically, the ex-dividend date is set one business day before the record date.

Shareholders who bought the stock on the ex-dividend date or after will not receive a dividend. However, shareholders who owned their shares at least one full business day before the ex-dividend date will be entitled to receive a dividend

Payable Date

The fourth and final stage is the payable date, also known as the payment date. The payable date is when the dividend is actually paid to eligible shareholders.

---------
 
MARKET CAPITALIZATION
How big is the company?
Market capitalization is a measurement of the total number of shares outstanding multiplied by the price per share.
 It is used to define whether a company is categorized as a small-cap (less than $1 billion),
 
Mid-cap (between $1 billion and $5 billion),
 
 Or large-cap stock (greater than $5 billion).
---------------
 
DEBT-TO-EQUITY RATIO
This ratio is calculated by dividing a company’s total debt by the total number of shares outstanding, and is a variation from zero and above.
-------------------
RETURN ON EQUITY (ROE)
ROE is a reflection of management effectiveness. ROE is calculated by dividing earnings for a one-year period by the shareholder equity.
 
This measurement can give investors a sense of the management’s ability to effectively build cash from existing assets. In simple terms: For every dollar the company has to work with, how much do they get bac
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----------

Investment Opportunities for Accredited Investors...

Accredited Investor

accredited investor definition recently changed—from one which usually meant high-net-worth/high-income individuals to now one which focuses on investor experience and knowledge—

The new amendments from the Securities and Exchange Commission (SEC) allow investors to qualify as accredited investors based on defined measures of professional knowledge, experience or certifications in place of the existing tests for income or net worth.

These tests for financial resources include having an aggregate net worth of over $1,000,000 and earning over $200,000 in each of the two most recent years or joint income with that person’s spouse over $300,000 in each of those years with a reasonable expectation of reaching the same income level in the current year.

Knowledgeable employees who work for certain private funds can also participate as accredited investors


1. First National Realty Partners (Grocery-Anchored Commercial Real Estate)

EquityMultiple (Individual Commercial Real Estate Properties)

Hedge Funds

CrowdStreet (Commercial Real Estate)

 Venture Capital

Private Placements:

A private placement is a sale of stock shares or bonds to pre-selected investors and institutions rather than on a public exchange. It is an alternative to an initial public offering (IPO) for a young company seeking to raise money to expand.
  • A private placement is a sale of shares to pre-selected and pre-qualified buyers.
  • Private placements are relatively unregulated compared to sales on the open market.
  • Private sales are often used by startups to obtain money for development while delaying or forgoing an initial public offering (IPO).

RealtyMogul | Real Estate Crowdfunding & Investing

Do you want to know how To Become an Accredited Investor?

To become an accredited investor, you must meet one of the following standards:

  1. You have a net worth (or joint net worth) exceeding $1,000,000 (excluding your primary residence).
  2. You are part of an association or trust with assets exceeding $5,000,000.
  3. Your annual income has exceeded $200,000 in each of the previous two years, and you expect to make the same amount this year.
  4. You must exceed $300,000 of joint income if you have a spouse.

Once you achieve these milestones, you have access to accredited investments through achieving accredited investor status. This allows you to invest in investment opportunities like:

  • private placements
  • online investment platforms catering to accredited investors
  • venture capital
  • hedge fund opportunities
  • private equity
  • real estate deals and certain real estate investments
  • convertible investments

When considering alternative investments for accredited investors, it is essential to look at them through the lens of risk and return, which varies depending on your current financial situation. 

=============

Wealth tax:  A wealth tax (also called a capital tax or equity tax) is a tax on an entity's holdings of assets or an entity's net worth. This includes the total value of personal assets, including cash, bank deposits, real estate, assets in insurance and pension plans, ownership of unincorporated businesses, financial securities, and personal trusts (a one-off levy on wealth is a capital levy). Typically, wealth taxation often involves the exclusion of an individual's liabilities, such as mortgages and other debts, from their total asset


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INVESTMENT STOCKS, FUNDS, BONDS:

IVV -/ BSPIX -/ WFBIX -/ VRE -/ VYN -/VFC -/ VNQ -/MSFT -/ WMT -/ ABBV -/ NOBL -/ GE -/ T -/ JPM -/ COF -/ WFC -/ HRL -/ CL -/ VTI -/ VOO -/ ALDI -/ 

----------

USO -/ VDE -/ AMLP -/ XLE -/ XOM -/ NGL -/ EG -/ DUKE -/ DUDP -/ WORLD FUEL -/ ALBC -/ RGR -/ OLN -/ DE -/ PSX -/ SO -/ D -/ UBA -/ OKE -/ MNR -/ ENB -/ 

--------------------

ENERGY ETF'S: XOP -/IPE -/ VDE -/ FENY -/ FSENX -/  

REIT'S: CUBE -/ ELS -/ STOR -/ MGP -/

==========

============

ETFs can entail risks similar to direct stock ownership, including market, sector, or industry risks. Some ETFs may involve international risk, currency risk, commodity risk, and interest rate risk. Trading prices may not reflect the net asset value of the underlying securities. Commission fees typically apply.

 

Asset allocation and diversification do not ensure a profit nor eliminate the risk of investment losses.          

SPDR Portfolio S&P 500 Growth ETF

            Large Cap Growth             SPYG 

iShares S&P 500 Growth ETF    Large Cap Growth IVW  

Schwab US Large-Cap Growth ETF  Large Cap Growth      SCHG

Vanguard Mega Cap Value Index Fund; ETF Shares Large Cap Value  MGV 

Vanguard Value Index Fund; ETF Shares Large Cap Value VTV 

Invesco Dynamic Large Cap Value ETF Large Cap Value   PWV  

Franklin LibertyQ US Equity ETF Large Cap Core    FLQL  

iShares S&P 100 ETF Large Cap Growth OEF           

WisdomTree US LargeCap Fund Large Cap Value   EPS    

iShares Russell Mid-Cap Growth ETF Large Cap Growth IWP   

Vanguard Mid-Cap Growth Index Fund; ETF Shares Large Cap Growth          VOT   

SPDR S&P 400 Mid Cap Growth ETF   Mid Cap Growth    MDYG          

iShares Russell Mid-Cap Value ETF     Large Cap Value     IWS   

Vanguard Mid-Cap Value Index Fund; ETF Class Shares

Large Cap Value     VOE   

SPDR S&P 400 Mid Cap Value ETF       Mid Cap Value        MDYV           

Schwab US Mid-Cap ETF Mid Cap Value        SCHM           

iShares Russell Mid-Cap ETF Large Cap Value         IWR   

WisdomTree US MidCap Fund Mid Cap Value        EZM  

iShares Russell 2000 Growth ETF Mid Cap Growth                      IWO  

Janus Henderson Small Cap Growth Alpha ETF Mid Cap Growth         JSML 

SPDR S&P 600 Small Cap Growth ETF Mid Cap Growth   SLYG 

Schwab 1000 Index ETF Large Cap Growth             SCHK 

Vanguard Small-Cap Value Index Fund; ETF Class Shares

Mid Cap Value        VBR   

iShares Russell 2000 Value ETF Mid Cap Value      IWN  

Mktweight

Schwab US Small-Cap ETF Mid Cap Value     SCHA

Vanguard Russell 2000 Index Fund; ETF Shares     Mid Cap Growth                VTWO           

iShares Russell 2000 ETF Mid Cap Growth  IWM 

iShares Edge MSCI USA Value Factor ETF     Large Cap Value     VLUE 

            Large Cap Growth             QUAL

iShares Russell 1000 Value ETF Large Cap Value   IWD  
============ ----------
  • ------
  • Philippians 4:8-9 Finally, brothers, whatever is true, whatever is honorable, whatever is just, whatever is pure, whatever is lovely, whatever is commendable, if there is any excellence, if there is anything worthy of praise, think about these things.  What you have learned and received and heard and seen in me—practice these things, and the God of peace will be with you.

Proverbs 17:22 A joyful heart is good medicine,  but a crushed spirit dries up the bones ...

1 Corinthians 16:14, ESV Let all that you do be done in love.
1 Peter 3:15, NIV in your hearts revere Christ as Lord. Always be prepared to give an answer to everyone who asks you to give the reason for the hope that you have. But do this with gentleness and respect . ANTHONY JEANTY
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MOTIVATIONAL - INSPIRATIONAL QUOTES FATHER TO DAUGHTER...
GUESS WHAT? You can recuperate lost money - You can get another vehicle in case of lost - You can obtain a new house in case of destruction; but a reputation is very difficult, sometimes impossible to recuperate once lost.. 
PLEASE PROTECT YOUR REPUTATION ALWAYS... ANTONY JEANTY
----------
Bible Verses About Reputation:
2. Ecclesiastes 7:1 A good reputation is more valuable than costly perfume . And the day you die is better than the day you are born. 
3. Proverbs 22:1 A good name is more desirable than great wealth . Respect is better than silver or gold... The Bible says the reputation your name brings is of great value.ANTONY JEANTY

 “A good name is rather to be chosen than great riches, and loving favour rather than silver and gold.” Proverbs 22:1. Do good and the right thing, and your name will have a positive meaning to many.
 
 Ecclesiastes 10:1 As dead flies cause even a bottle of perfume to stink, so a little foolishness spoils great wisdom and honor.  
-----------Your reputation will follow you everywhere. We all remember in high school that person who was known for bad things, and that person who was known for good things. Live in a way that is honorable.  
People usually don’t remember the good. People usually remember the one bad thing. All it takes is one mess up for your reputation to be tarnished. ANTONY JEANTY = -----------  “A reputation once broken may possibly be repaired, but the world will always keep their eyes on the spot where the crack was.”  George Washington
  • It takes 20 years to build a reputation and perhaps one minute to ruin it.
  •  If you think about that, you’ll do things differently. Warren Buffett
  • ==============
  • -----------------
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BIBLE VERSES ABOUT:
My best, most loving bible verses... Matthew 7:7-14 -
Ask, Seek, Knock.
# 7“Ask and it will be given to you;
Seek and you will find;
Knock and the door will be opened to you.

#8 For everyone who asks receives; the one who seeks finds; and to the one who knocks, the door will be opened.

#9 “Which of you, if your son asks for bread, will give him a stone?

#10 Or if he asks for a fish, will give him a snake?
11 If you, then, though you are evil, know how to give good gifts to your children, how much more will your Father in heaven give good gifts to those who ask him!

#12 So in everything, do to others what you would have them do to you, for this sums up the Law and the Prophets.
-----

----------

Bible verses about honesty

Leviticus 19:13:   “You shall not oppress your neighbor or rob him. The wages of a hired worker

shall not remain with you all night until the morning.”

Deuteronomy 25:13:   “You shall not have in your bag two kinds of weights, a large and a small.

You shall not have in your house two kinds of measures, a large and a small. A full and fair weight you shall have, a full and fair measure you shall have, that your days may be long in the land that the LORD your God is giving you.”

Psalm 112:5: "It is well with the man who deals generously and lends; who conducts his affairs with justice.”

Proverbs 11:1:   "A false balance is an abomination to the LORD, but a just weight is his delight.”

Proverbs 22:16: "Whoever oppresses the poor to increase his own wealth, or gives to the rich, will only come to poverty.”

Jeremiah 22:13:  “Woe to him who builds his house by unrighteousness, and his upper rooms by

injustice, who makes his neighbor serve him for nothing and does not give him his wages.”

Job 31:13:  “If I have rejected the cause of my manservant or my maidservant, when they

brought a complaint against me, what then shall I do when God rises up? When he makes inquiry, what shall I answer him?”

Malachi 3:5:  “Then I will draw near to you for judgment. I will be a swift witness against

 ==============
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Why it Matters:

Automatic investment plans can help investors maintain their discipline and accumulate thousands of dollars they otherwise may not have saved or invested. Through these plans, investors can save for retirement, fund college educations or a much-needed vacation.

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'Automatic Investment Plan - AIP'

 

An automatic investment plan is an investment program that allows investors to contribute funds to an investment account in regular intervals. Funds can be deducted from an individual’s paycheck or paid out from a bank account

 

Automatic Investment Plan - AIP'

 

An automatic investment plan is one of the best ways to save money. Numerous market mechanisms have been devised to help facilitate automatic investment plans. Investors can contribute through their employer by scheduling automatic deductions from their paycheck for investment in employer sponsored investment accounts

 

Employer Sponsored Automatic Investment Plans

 

Employers offer various options for automatic investing through their benefit programs. Investment options help to support both short-term and long-term investment goals for employees. The most common investment vehicle for employer sponsored automatic investing is a 401k. Employees can choose to automatically invest a percentage of their paycheck in an employer sponsored 401k. Many employers will often match a percentage of their employees’ automatic investment as part of their benefit program.

=======

Individuals also have a wide range of options to choose from in the investment market. Nearly every available investment account offering provides investors with the option to make automatic investments.

 

Some of the most common investment accounts for making automated investments include retirement accounts and brokerage accounts. Some retirement accounts offer incentives for investors to make automated investments such as Capital One Investments.

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I have endeavored to be as objective as possible about 33 experiences, and I have considered just about every suggestion as to reasons or possible meanings this may have, yet it remains a mystery to most who carefully consider it. Over the years, I've uncovered a good deal of information regarding this "Master Number," this repdigit, 33
Our Mission
Our mission is to provide a program of sound investment information, education, and support that helps create successful lifetime investors. By becoming confident, knowledgeable investors
 
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Financial Education is Why the Rich are Getting Excessively Richer

Your Financial Success Depends on What you Know About Money

Most people set out to get an education in hopes of getting a safe and secure job and ultimately being able to provide for themselves and their family. However, the education most people receive doesn’t actually teach them what they need to know to be truly successful and in command of their finances. Consider the three types of education

Academic Education

This is what we all have gone to school to learn. It is very important and teaches us the foundation of how to read, write, learn and function in the world.
 

Professional Education

Rich Dad Professional
This is what we learn to help us be successful in our careers. We may learn this in college or trade school or the job. It is the information and skills we need to be successful at our work.
 

Financial Education

Rich Dad Financial
This is the type of education that teaches us what we should be doing with our money to be successful. In today’s world, financial education is crucial, especially with the world economy in recession or depression. However, our school systems don’t teach us about financial education and so most people have never been taught what they need to know in order to take control of their financial lives.

============
Debt-to-Equity Ratio = Total Liabilities / Shareholders’ Equity
If a company has a debt-to-equity ratio of 2 to 1, it means that the company has two dollars of debt to every one dollar shareholders invest in the company. In other words, the company is taking on debt at twice the rate that its owners are investing in the company. 
 ======
  • P/E ratio compares a company’s common stock price with its earnings per share. To calculate a company’s P/E ratio, you divide a company’s stock price by its earnings per share, or
P/E Ratio = Price per share / Earnings per share
If a company’s stock is selling at $20 per share and the company is earning $2 per share, then the company’s P/E Ratio is 10 to 1. The company’s stock is selling at 10 times its earnings.
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Market order types

There are two major order types:

1. Market order
2. Limit order
 

MARKET ORDERS
A market order is an order that will be filled at the next available market price.
• Advantage: Your order will be filled.

• Disadvantage: It may not be filled at a price you like.
 
LIMIT ORDERS
A limit order will either be filled at the price you specify or it will not be filled at all.
• Advantage: If filled, you will get the price you requested.
• Disadvantage: The order may not be filled.
-------------
 
 
STOP ORDERS
A stop price is a price at which you want your order to be triggered or entered to the 
market. Your order (either market or limit) does not get sent until the stop price is hit. 
 -------------
 
Stop Loss
The most common stop order is the stop loss, which is simply a market order that gets 
sent when the stop price is hit. As you learned earlier, setting stop losses is trading rule 
number one.
 
 --------------
 
The stop loss order is triggered and consequently sent to the market when the stock 
trades at or below a certain price. You are basically saying, “Sell my stock for whatever the 
market will give even if it is lower than my stop loss price.”
 
 ------------
 
Stop Limit
The stop limit order is triggered and consequently sent to the market when the stock trades 
at or below a certain price. It is sent as a limit order. In other words, you are basically saying, 
“Sell it at or above the price specified as the stop limit price.”
 
 --------------
 
Stop limits are typically not used as an exit strategy, but as an entry strategy on a quickly 
moving stock, or to avoid a gap when entering a position.
------------
 
Buy Stop and Buy Stop Limit Orders
Stop orders are useful for entries as well. You want to buy on strength. By using a stop price above the previous day’s high, the stock must show strength and be headed in the right direction before your order will be entered.
 ----------
 
A buy stop order is a market order that is activated when a stock hits a price at or above a certain level. In essence, you are telling the market you want to buy the stock regardless of price after it hits or goes above a certain point.
--------------

A buy stop limit order is a limit order that is triggered once a stock hits or goes above a certain price point, but becomes a limit order to avoid paying too much on a gapping stock. If the stock gaps above your limit price, you will not buy the stock
 
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GENERAL GUIDELINES FOR ORDERS
The following are some general guidelines for orders:
• Use a stop order when setting exit orders:
• To exit a long trade, use a sell stop
• To exit a short trade, use a buy stop and trail down as the stock goes down
• When setting entry orders, you will select one of the following order types:
• Market—If you want in right now
• Stop—If you want to enter on a breakout
• Stop limit—If you want to enter on a breakout, but are worried about a volatile stock that may gap
 
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LIFE GOES ON
Whether you choose to move on or take a chance in the
unknown. Or stay behind, locked in the past, thinking what could've been.

The only way your life can be change: is by changing things you do in your life. Is by changing; your thoughts, your feelings, your words.

----------------------
You are the most sophisticated, powerful  magnet ever created to attract anything and everything.

---------------
The Power Of I AM, You're About To Discover The greatest sleeping geneous in yourself 
------------
The Moses Code: I AM I AM

The  positive is in you, and the negative is in you. But you've the power to decide which one to be the master
-------------

The natural universal force that you need to succeed in everything is already in you. You don't need to go nowhere else to look for nothing else .-------------

How Your Mind Creates The Reality Of Your Life.. GREAT STUFF!

---------------

Leverage is debt – Debt is bondage and bondage is the antithesis of freedom, or independence

Debt is like a double edge sword. You just have to know how to use it well enough in order not to get hurt by it.

Long-term financial independence is usually based on short term debt which is carefully acquired and prudently managed.

Debt is the lifeblood of the successful wealth builder.

In the USA, we can say that we are a consumer oriented society, and we place high priority on instant gratification.

Leverage is the best road to become rich. Every big corporation that you heard about used debt, leverage to grow and expand. When the corporations issue bonds, or simply invite investors to come to invest that’s OPM And OPIUM

OPM= Other People’s Money

OPIUM= Other people’s Inactive Underused Money

The government in particular is the number one partenaire of leverage, debt.

Leverage is good, is not that bad when you use it the right way.

Use leverage to purchase a piece of real estate may be with only 10 percent down and after 22, 23, 30 years you finish to pay the mortgage now you own a property worth how much free and clear.

Imagine if you do that for 10 years; just purchase one single family property, or it could be a duplex, triplex, or fourplex, we still talking about residential properties. Just one every year for 10 years by using leverage, debt.

=========


Retirement Information

The following government organizations offer retirement planning information:

Source: The Federal Reserve Board. Web: http://www.federalreserve.gov/pubs/shop/ .
================

Best Consumer Staples Stocks to Buy Now...

Consumer staples stocks are a traditional safe haven from uncertainty, which has already proven to be more than abundant.
Albertsons Companies (ACI(opens in new tab), - Best Buy (BBY - Diageo (DEO -  

Archer-Daniels-Midland (ADM - Costco Wholesale (COST - BJ's Wholesale Club Holdings (BJ
Coca-Cola (KO(opens in new tab), - Walmart (WMT(opens in new tab),

Amazon.com (AMZN(opens in new tab)) - Celsius Holdings (CELH(opens in new tab), 

Spectrum Brands Holdings (SPB(opens in new tab), - Beauty Health (SKIN(opens in new tab),

Whole Earth Brands (FREE(opens in new tab), -  Unilever N.V. (UN). - The Kroger Company (KR),

WalMart Stores, Inc. (WMT), and Costco Wholesale Corporation (COST) are among the largest grocery chains in the United States.

Alcoholic Beverage Manufacturing

The largest companies in this sector include Anheuser Busch InBev SA (BUD), Heineken N.V. (HEINY), and Diageo plc (DEO).
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Cosmetics:

  - The largest cosmetics companies include Estee Lauder Companies Inc. (EL), L'Oréal S.A. (LRLCY), and Coty Inc. (COTY), a major licensed brand manufacturer. 

------------

Death and Funeral Services:

 - Carriage Services, Inc. (CSV), Service Corporation International (SCI), and Matthews International Corp. (MATW) are three companies that make their revenues from life’s inevitable end.

=============

Merck (MRK) is a Top Dividend Stock 

Alliance Resource Partners LP (ticker: ARLP)

British American Tobacco PLC (BTI)

Devon Energy Corp. (DVN)

Enterprise Products Partners LP (EPD)

Icahn Enterprises LP (IEP)

National Health Investors Inc. (NHI)

Best High-Yield Dividend Stocks for This Year...

  • Sunoco (NYSE:SUN) - Exxon Mobil (NYSE:XOM)
  • Camping World Holdings (NYSE:CWH) - EPR Properties (NYSE:EPR)
  • Alliancebernstein Holding LP (NYSE:AB)
  • AbbVie (NYSE:ABBV) - Enbridge (NYSE:ENB)
  • --------------
  • ======

  • Tax Lien Certificates - Unpaid property taxes result in tax liens on the properties, and a great investment opportunity for those who know the ins and outs, and which properties to avoid

  • Tax Deed Sales - a lot of the same rules as tax liens except you actually get ownership of the property at the tax deed sale. Know how to buy in, and which properties to avoid

  • ------------

    LEARN:
    * How to Safely Acquire Valuable Real Estate at Massive Discounts for the price of the back taxes and penalties only.
    * Where and How to Find Tax Lien Properties.

    * Where to Get Lists of Tax Lien Certificates & Tax Deed Properties.
    * How to Safely Invest from the Comfort of Your Home.

    * How to Make Your First Tax Lien Investments for as Little as $500.
    * The Realistic Turnaround Time to Make a Profit.

  • -----

    Property tax is delinquent on April 1 and is subject to penalties and interest. Delinquent property tax cannot be paid online. Delinquent payments must be received on or before the last working day of the month to be considered paid in that month. 

    ---------- A tax certificate is an enforceable first lien against the property for unpaid real estate property tax. The certificate holder is an independent investor who actually pays the tax for a property owner in exchange for a competitive bid rate of return on the investment. 

  • A tax deed sale is the sale of property for past due real estate taxes and fees associated with the sale. Each year, real estate taxes are to be paid by a predetermined date to avoid becoming delinquent. Once delinquent, the Tax Collector holds an auction to pay off the taxes. This auction is referred to as a Tax Certificate Sale (FS 197.432). ----------------

    What Is a Certificate of Municipal Lien?

    A certificate of municipal lien is a document that lists all of the money charged to a particular property. This includes any back taxes, water charges and other assessments a municipality may place on a specific property.

    When a municipality files a certificate of municipal lien, it ensures that if the property is ever transferred, the monies owed on the property are paid out of the proceeds at the closing. Also, a municipality may file a certificate of lien if it plans on starting a tax foreclosure proceeding.

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    Lien Release Form, and How Does It Work?

    A lien release form is a legal document a creditor files to remove a lien on property you used as collateral to obtain a loan. To really understand what this means, it helps to understand what a lien is and why lenders use liens. 

    A lien usually comes into play whenever you owe someone a large amount of money. To ensure you pay the money back, the creditor may file a lien, which gives them the legal claim to a certain piece of your property in the event that you don’t make your loan repayments. 

    If you’ve borrowed money to buy a home, you may find yourself unable to sell it until you’ve satisfied the terms of your lender’s lien by paying off your mortgage. Creditors can also take liens out on pieces of personal property. If, for instance, you owe a mechanic for servicing your car, they could take out a lien on your vehicle if you don’t pay your bill.

    Contractors can also use liens to ensure customers pay for the materials and services the contractors provide for projects. Courts can even impose liens when people fail to pay taxes or during foreclosure lawsuits.

    ==================

    Lien Release vs. Lien Waivers

    While the terms “lien release” and “lien waiver” are often used interchangeably, these documents actually serve two different legal purposes. Once a borrower has met certain conditions, a lien release is used to officially end a lien that a creditor has already filed. A lien waiver, on the other hand, waives the creditor’s right to file a lien altogether. 

    A lien waiver doesn’t necessarily mean you can skirt around your payment obligations to a certain lender or service provider, though. There are four different types of lien waivers that are commonly used, depending on the situation:

    1. Partial Conditional: This document is similar to a legal receipt and is issued along with every payment a borrower makes. It waives the lienholder’s claim on the amount of money a borrower has paid but is only considered valid once the payment actually clears. 
    2. Partial Unconditional: This document is used in the same way as a partial conditional lien waiver, but with one big difference. It becomes valid as soon as it’s signed, so the lender may be in trouble if the borrower’s payment doesn’t clear. 
    3. Full Conditional: Whereas partial lien waivers cover partial payments, full lien waivers cover the entire payment of a debt. A full conditional waiver is an agreement that waives the lender’s right to file a lien upon the clearance of the borrower’s final payment. 
    4. Full Unconditional: A full unconditional waiver eliminates the lender’s right to file a lien whether the borrower’s final payment is received and cleared or not.
    5. ============

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    FHA loan requirements

    FHA loans have a set of requirements you must meet in order to qualify for an FHA loan. These include:

    • The home must be your primary residence.
    • You must have a minimum credit score of 500 (though most lenders require 580+).
    • You’ll need a down payment of at least 3.5% with a credit score of 580 or higher, or at least 10% if your score is lower than 580. 
    • You must provide proof of steady employment and income.
    • You’ll need a debt-to-income ratio of less than 43%
    • You must pay MIP upfront and annually
    • --------------

    Types of FHA Loans

    Not all FHA loans are the same and not all lenders offer all types of FHA loans. There are a few different options to consider. Talk with a lender to determine the right choice for you. 

    Traditional FHA loan

    A traditional FHA loan is a mortgage for your primary residence. The home you buy must meet FHA safety requirements and loan limits. 

    FHA energy efficient mortgage

    An energy-efficient mortgage (EEM) is for buyers who want to buy an energy-efficient home or make efficiency improvements to a home they already own or are purchasing. This loan complements your FHA loan, allowing you to borrow funds to make these upgrades.

    -----------------------------

    FHA 203(b) loans

    FHA 203(b) loans allow you to buy a home that needs some repair work done. This loan type, the most popular of all FHA loans, allows you to borrow up to 96.5% of the purchase price of the home, including the cost of improvements. 

    FHA 203(k) loans

    This loan type is similar to a 203(b) loan, but it’s intended for buying homes that require significant renovations. With a 203(k) loan, you can borrow the full cost of a fixer-upper, plus the cost of the renovations, up to the FHA loan limit. This type of FHA construction loan can be harder to acquire, since not all lenders offer FHA 203(k) loans.  

    Section 245(a)

    A section 245(a) is a type of graduated-payment mortgage (GPM) that has a low initial monthly payment that increases over time. This loan type is designed for people who may have limited monthly cash flow now, but whose earnings will likely increase over time. Another option is a growing equity mortgage (GEM), which uses scheduled increases in monthly payments to shorten the loan term over time. 

    FHA title I loans

    This program helps low- and moderate-income borrowers who may have limited home equity pay for significant home repairs. This includes things like plumbing, electrical and other improvements that increase the livability of a home they already own. 

    Home equity conversion mortgage

    A home equity conversion mortgage is a popular reverse mortgage designed to allow older homeowners to withdraw a portion of their home's equity without selling. Under this program, homeowners aged 62 and older who own their house outright and have significant equity, can make monthly withdrawals on their home’s equity. 

    FHA refinance

    As the name implies, an FHA refinance is an option for existing homeowners to refinance their current mortgage into an option with a lower rate or better terms. This can be a smart strategy if interest rates drop and you could save significantly over time. It’s important to know that upfront MIP is required with a refinance, but it’s 1% of the loan amount instead of 1.75%. There are more refinance options with FHA than with conventional loans, so be sure to ask your lender for help navigating your options. 

    Streamline FHA refinance

    A streamline FHA refinance is another refinancing option that allows homeowners to get a new loan with a better rate or term. It gets its name because it’s the simplest way to do an FHA refinance. You won’t have to verify your income or assets, so the process is faster. You may either qualify for an FHA streamline with appraisal or an FHA streamline without an appraisal.

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    • FHA Loans Help: Only 3.5% down, and rental income can help you qualify.
    • Lower Your Costs: Rental income covers expenses and helps build equity.
    • Smart Investment: As tenants pay down the mortgage, your equity grows.

    Using Government and Special Loan Programs

    USDA and VA Loans

    • USDA Loans: Zero down payment for eligible rural properties.
    • VA Loans: 100% financing for veterans and active-duty military, no PMI required.

    FHA Loans With Down Payment Assistance

    • Low Entry Point: Only 3.5% down.
    • State Support: Many states offer grants for down payments and closing costs.
    • Easier Approval: Less strict credit score requirements than conventional loans.

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     BRRRR Method To Build Wealth... BRRRR: An acronym for buy, rehab, rent, refinance and repeat, this approach guides investors to purchase low-priced properties in need of inexpensive upgrades and rent them out.

     Building wealth through real estate isn’t always easy, but a path has already been paved.

    Buy

    To get this process started, you’ll need to buy a property. This shouldn’t be something completely turnkey, as you’re looking to get a discount.

    Set your sights on properties like a foreclosure, moderate fixer-upper or even a home that’s almost perfect, but just needs a few upgrades. 

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    Rehab

    After you’ve purchased the property, it’s time to get to work. Exactly what that will entail will vary by property — i.e., updating the kitchen and bathrooms, removing old carpet, installing new windows, purchasing new appliances, upgrading the landscaping.

    Before starting renovations, make sure the money you’re putting into this house will be a good return on investment. For example, adding a pool to a home in a non-tropical climate might not increase your property value, but finishing a basement could.

    Rent

    After your rental property is upgraded, it’s time to list it. This means you’ll need to decide how much you want to charge per month in rent, which should be based on several factors.

    To get to this number, analyze the monthly rates of similar rentals in the area, factor in any recent market changes and consider maintenance and repair costs.

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    Refinance

    Finally, you’ll want to refinance the property. Since you worked hard to increase the value of the home, you should be able to use that as collateral on your new loan.

    This means you will likely be able to recoup your initial investment and possibly even additional equity. This should feel satisfying, after all the hard work you put into the process.

    Repeat

    After buying the house, renovating it, renting it out and refinancing it, your work is done. With the cash back in your pocket, you’ll have the financial freedom to start the process all over again .

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    Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks.

    This and other information may be found in each fund's prospectus or summary prospectus, if available.

    Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained

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Annuities

What are annuities?

An annuity is a contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future.
 
You buy an annuity by making either a single payment or a series of payments. Similarly, your payout may come either as one lump-sum payment or as a series of payments over time.
 

Why do people buy annuities?

People typically buy annuities to help manage their income in retirement. Annuities provide three things:
  • Periodic payments for a specific amount of time. This may be for the rest of your life, or the life of your spouse or another person.
  • Death benefits. If you die before you start receiving payments, the person you name as your beneficiary receives a specific payment.
  • Tax-deferred growth. You pay no taxes on the income and investment gains from your annuity until you withdraw the money.

What kinds of annuities are there?

There are three basic types of annuities, fixed, variable and indexed. Here is how they work:
  • Fixed annuity. The insurance company promises you a minimum rate of interest and a fixed amount of periodic payments.
  •  Fixed annuities are regulated by state insurance commissioners. Please check with yourstate insurance commission about the risks and benefits of fixed annuities and to confirm that your insurance broker is registered to sell insurance in your state.

  • Variable annuity. The insurance company allows you to direct your annuity payments to different investment options, usually mutual funds. Your payout will vary depending on how much you put in, the rate of return on your investments, and expenses. The SEC regulates variable annuities.

  • Indexed annuity. This annuity combines features of securities and insurance products. The insurance company credits you with a return that is based on a stock market index, such as the Standard & Poor’s 500 Index. Indexed annuities are regulated by state insurance commissioners.

What are the benefits and risks of variable annuities?

Some people look to annuities to “insure” their retirement and to receive periodic payments once they no longer receive a salary. There are two phases to annuities, the accumulation phase and the payout phase.
 
  • During the accumulation phase, you make payments that may be split among various investment options. In addition, variable annuities often allow you to put some of your money in an account that pays a fixed rate of interest.
  • During the payout phase, you get your payments back, along with any investment income and gains. You may take the payout in one lump-sum payment, or you may choose to receive a regular stream of payments, generally monthly.
All investments carry a level of risk. Make sure you consider the financial strength of the insurance company issuing the annuity. You want to be sure the company will still be around, and financially sound, during your payout phase.
 
Variable annuities have a number of features that you need to understand before you invest. Understand that variable annuities are designed as an investment for long-term goals, such as retirement.
 
They are not suitable for short-term goals because you typically will pay substantial taxes and charges or other penalties if you withdraw your money early. Variable annuities also involve investment risks, just as mutual funds do.
 

How to buy and sell annuities

Insurance companies sell annuities, as do some banks, brokerage firms, and mutual fund companies. Make sure you read and understand your annuity contract.
 
All fees should be clearly stated in the contract. Your most important source of information about investment options within a variable annuity is the mutual fund prospectus.
 
Request prospectuses for all the mutual fund options you might want to select. Read the prospectuses carefully before you decide how to allocate your purchase payments among the investment options.

Understanding fees

You will pay several charges when you invest in a variable annuity. Be sure you understand all charges before you invest. Besides surrender charges, there are a number of other charges, including:
  • Mortality and expense risk charge. This charge is equal to a certain percentage of your account value, typically about 1.25% per year. This charge pays the issuer for the insurance risk it assumes under the annuity contract. The profit from this charge sometimes is used to pay a commission to the person who sold you the annuity.

  • Administrative fees. The issuer may charge you for record keeping and other administrative expenses. This may be a flat annual fee, or a percentage of your account value.
  • Underlying fund expenses. In addition to fees charged by the issuer, you will pay the fees and expenses for underlying mutual fund investments.

  • Fees and charges for other features. Additional fees typically apply for special features, such as a guaranteed minimum income benefit or long-term care insurance. Initial sales loads, fees for transferring part of your account from one investment option to another, and other fees also may apply.
  • Penalties. If you withdraw money from an annuity before you are age 59 ½, you may have to pay a 10% tax penalty to the Internal Revenue Service on top of any taxes you owe on the income.
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Real Estate Investment Trusts (REITs)

What are REITs?

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Real estate investment trusts (“REITs”) allow individuals to invest in large-scale, income-producing real estate.
A REIT is a company that owns and typically operates income-producing real estate or related assets.
 These may include office buildings, shopping malls, apartments, hotels, resorts, self-storage facilities, warehouses, and mortgages or loans.
Unlike other real estate companies, a REIT does not develop real estate properties to resell them. Instead, a REIT buys and develops properties primarily to operate them as part of its own investment portfolio.
 

Why would somebody invest in REITs?

REITs provide a way for individual investors to earn a share of the income produced through commercial real estate ownership – without actually having to go out and buy commercial real estate.
 

What types of REITs are there?

Many REITs are registered with the SEC and are publicly traded on a stock exchange. These are known as publicly traded REITs.
 
Others may be registered with the SEC but are not publicly traded. These are known as non- traded REITs (also known as non-exchange traded REITs).
 
This is one of the most important distinctions among the various kinds of REITs. Before investing in a REIT, you should understand whether or not it is publicly traded, and how this could affect the benefits and risks to you.
 

What are the benefits and risks of REITs?

REITs offer a way to include real estate in one’s investment portfolio. Additionally, some REITs may offer higher dividend yields than some other investments.
 
But there are some risks, especially with non-exchange traded REITs. Because they do not trade on a stock exchange, non-traded REITs involve special risks:
 
  • Lack of Liquidity: Non-traded REITs are illiquid investments. They generally cannot be sold readily on the open market. If you need to sell an asset to raise money quickly, you may not be able to do so with shares of a non-traded REIT.

  • Share Value Transparency: While the market price of a publicly traded REIT is readily accessible, it can be difficult to determine the value of a share of a non-traded REIT.

  •  Non-traded REITs typically do not provide an estimate of their value per share until 18 months after their offering closes.
  • This may be years after you have made your investment. As a result, for a significant time period you may be unable to assess the value of your non-traded REIT investment and its volatility.
  • Distributions May Be Paid from Offering Proceeds and Borrowings:Investors may be attracted to non-traded REITs by their relatively high dividend yields compared to those of publicly traded REITs.

  • Unlike publicly traded REITs, however, non-traded REITs frequently pay distributions in excess of their funds from operations. To do so, they may use offering proceeds and borrowings.
  • This practice, which is typically not used by publicly traded REITs, reduces the value of the shares and the cash available to the company to purchase additional assets.
 

How to buy and sell REITs

You can invest in a publicly traded REIT, which is listed on a major stock exchange, by purchasing shares through a broker. You can purchase shares of a non-traded REIT through a broker that participates in the non-traded REIT’s offering. You can also purchase shares in a REIT mutual fund or REIT exchange-traded fund.

Understanding fees and taxes

Publicly traded REITs can be purchased through a broker. Generally, you can purchase the common stock, preferred stock, or debt security of a publicly traded REIT. Brokerage fees will apply.
 
Non-traded REITs are typically sold by a broker or financial adviser. Non-traded REITs generally have high up-front fees. Sales commissions and upfront offering fees usually total approximately 9 to 10 percent of the investment. These costs lower the value of the investment by a significant amount.

Crowdfunding

Crowdfunding describes an evolving method of raising capital that has been used outside of the securities arena to raise funds through the Internet for a variety of projects ranging from innovative product ideas to artistic endeavors like movies or music. 
 Title III of the JOBS Act created an exemption under the securities laws so that this type of funding method can be easily used to offer and sell securities as well.  The JOBS Act also established the foundation for a regulatory structure for this funding method. 

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What Is a Trust Fund?

A trust fund is a special type of legal entity that holds property for the benefit of another person, group, or organization.  There are many different types of trust funds, and many different trust fund provisions that change how they work.  Generally speaking, all trust funds have three important parties:

The Grantor: This is the person who establishes the trust fund, donates the property (such as cash, stocks, bonds, real estate, mutual funds, art, a private business, or anything else of value) to the fund, and who decides the terms upon which it must be managed.

Plan your prosperity yourself or someone else will plan your misery for you. http://www.knowledgefinancialgroup.blogspot.com    

The Beneficiary: This is the person for whom the trust fund was established. It is intended that the assets in the trust, though not belonging to the beneficiary, will be managed in a way that will benefit him or her, as per the specifics laid out by the grantor when the trust fund was created.
The Trustee: The trustee, which can be a single individual, an institution (such as a bank trust department that appoints one of its staff to the responsibility), or multiple trusted advisors, is responsible for overseeing that the trust fund maintains its duties as laid out in the trust documents and applicable law.

The trustee is often paid a small management fee. Some trusts give responsibility for managing the trust assets to the trustee, while others require the trustee to select qualified investment advisors to handle the money.
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Guide to Trust Funds
There is a common misconception among new investors that leads to them thinking trust funds are only for the rich. Almost all Americans, especially older retirees, can benefit from using trust funds if they have at least some savings. From tax advantages to protecting your heirs from creditors or even their own poor decisions, there is simply no tool as useful as a well designed trust.

If you've never been on the receiving end of a trust fund, you may not understand what they are or how they work. Fortunately, a trust is not nearly as scary as many new investors seem to think. Even if you only have some small savings, it can be one of the most efficient ways of protecting, passing on, and nurturing wealth. This overview explains the basics - who the grantor, beneficiary, and trustee are, how a trust is structured, and more.
. Using Trust Funds to Protect and Generate Substantial Wealth

If you want your children, grandchildren, and great-grandchildren to enjoy the fruits of your labor, receiving distribution checks from stocks, bonds, real estate, and private businesses that you shrewdly, and in some cases, lovingly, amassed throughout your lifetime, the best way to do it is often a trust fund. This overview of using trust funds as a tool for multi-generational planning was designed to help provide a glimpse of why so many successful people turn to trusts when they want to provide for, and protect, their heirs.+
3. Trust Funds Aren't Just for the Rockefellers

You do not have to be super rich to enjoy the benefits of trust funds. Even if you have only $10,000 or $25,000, a trust fund might be the perfect way to protect your heirs from themselves, as well as creditors, ex-spouses, gambling addictions, and bad money habits. With nominal administration costs, almost all banks have trust departments that can handle simple portfolios once you've passed away or decided to make an irrevocable gift to the trust, often for less than 1% to 1.5% per annum. 

Though that may seem expensive relative to some other investment vehicles, the protections are well worth the cost when you realize the money is put beyond the reach of those who inherit it so they can only spend the income, not the principal, if that is what you desire.
4. Testamentary vs Inter Vivos Trust Funds

There are two broad categories of trust funds - Testamentary trust funds and living trust funds, the latter of which are also known as inter vivos trust funds. Though they may sound complex, it's really very simple. They differ in how they are created, but otherwise, can take advantage of practically all of the same benefits, and suffer from nearly all of the same drawbacks. Take a few moment to learn the difference between the two and how each is formed.

5. The Disadvantages of Using a Trust Fund to Pass on Wealth

For all of their advantages, trust funds do have some significant drawbacks of which you need to be aware. Here are some of the biggest that could cause you or your beneficiaries problems later down the line. A small amount of planning, and a little bit of defense now, can save you enormous tax liabilities, legal troubles, and inter-family fighting in the future.
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6. Using Charitable Remainder Trusts to Pass on Wealth and Give to Charity

Did you know you can use a charitable remainder trust to generate income for your beneficiaries and, later, effect a large, tax-advantaged gift to charity, or even multiple charities of your choice? It's easy thanks to something known as a charitable remainder trust. This special type of trust fund isn't as complicated as it seems once you understand the basics. It can be a magnificent estate planning tool, or as a way to benefit friends and family while doing good in the world.

7. Three Questions to Ask When Choosing a Trustee for Your Trust Fund

If you are using a trust fund to pass on wealth to your children, grandchildren, other heirs, or even favorite charity, whom you choose as a trustee will have a very powerful influence on the ultimate fate of the money. Here are three questions you should ask yourself before you vest someone with the authority to act as the trustee.
8. Using Spendthrift Trust Funds to Protect Your Beneficiaries

You probably love your heirs. Still, some of them make more mistakes than others. Are you worried about your beneficiary developing a gambling, drug, or spending problem? Getting divorced? Being pursued by creditors?

One way you can help protect the money you leave them is to include a special provision that transforms a regular trust fund into a spendthrift trust fund.

This prevents them from being able to pledge, or transfer, the trust principal, and only entitles them to the stream of money coming out of the trust, which the trustee can shut off if the beneficiary is threatened.
Why Would I, or Other Investors, Consider Using a Trust Fund?
In addition to the creditor protections that can be enjoyed, there are several reasons trust funds are so popular:If you don't trust your family members to follow the letter of your intentions following your passing, a trust fund with an independent third-party trustee can often alleviate your fears.

For example, if you want to make sure your son and daughter from a first marriage inherit a lake cabin that must be shared among them, you could use a trust fund to do it.
There are some significant tax advantages that can be achieved when using trust funds. For example, setting up a so-called Charitable Annuity Trust or Charitable Remainder Trust can make it possible to shield thousands, or even millions, of dollars from taxes, while benefiting your favorite charity.

Trust funds can be used in a way that maximizing estate tax bypasses so you can get more cash to more generations further down the family tree.

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Grandparents often setup trust funds for their grandchildren, designed to pay educational expenses and then distribute any additional principal following graduation as start-up money to establishing a life. This was common among many of my friends back in university.
Trust funds can protect assets that you cherish, such as a family business, from your beneficiaries. Imagine you own an ice cream factory and feel tremendous loyalty towards your employees. You want the business to continue being successful, and run by the people who work in it, but you want the profits to go to your son, who has an addiction problem.

By using a trust fund, and letting the trustee be responsible for overseeing management, you could achieve this. Your son would still get the financial benefits of the business but he would have no say in running it.

There are some interesting ways to transfer large sums of money by using a trust fund, including establishing a small trust that buys a life insurance policy on the grantor. When the grantor passes away, the insurance proceeds are distributed to the trust, funding it. That money is then used to acquire investments that generate dividends, interest, and rents for the beneficiary to enjoy. Financial Education Tools & Resources At Knowledge Financial Group
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Affidavit or Memoradum of Trust

Summarizing Pertinent Trust Provisions

When asked to fund assets into a Revocable Living Trust, often times financial institutions will request a copy of the trust agreement for their files. Many Trustmakers, however, do not like the fact that these institutions will have an entire copy of their trust agreement on record.
In order to keep certain provisions of a Revocable Living Trust private, including who gets what after the Trustmaker dies, many attorneys will prepare a short Affidavit of Trust or Memorandum of Trust for their clients. This document will contain the following information that, in most cases, is all of the information a financial institution will need to know:
  • Who created the trust and when;
  • The name to be used for the trust;
  • The fact that the trust is revocable and can be changed at any time;
  • Who is named to serve as the initial Trustee or Trustees;
  • Who is named to serve as the successor Trustee or Trustees;
  • What powers the Trustee may exercise over the trust assets, and
  • Who signed the trust agreement.
The Affidavit or Memorandum may also be recorded in place of the entire trust agreement in the public records of states that require trust documents to be recorded along with deeds transferring property into trusts.

What Happens to Assets Left Out of Your Trust?

Avoiding Probate by Retitling Accounts and Updating Beneficiaries

When it comes to funding your Revocable Living Trust, this step is just as important as setting up your trust. So what happens to assets left out of a Revocable Living Trust?
  • Probate - If any of your property isn't titled in the name of your trust when you die, it will need to to be probated after you die.



  • Ancillary Probate - If you own real estate in more than one state and you've failed to retitle all of it into your trust before you die, then your loved ones may be faced with probate in your home state and ancillary probate in each additional state where you own property.

  • Increase in Estate Taxes - If all of your accounts are owned as joint tenants with right of survivorship or as tenants by the entirety with your spouse instead of in the name of your trust when you die, then the AB Trusts established under your trust can't be funded and you'll therefore be wasting your entire estate tax exemption.

  • Disinheriting Beneficiaries - If any of your assets are owned as joint tenants with right of survivorship with one of your children instead of in the name of your trust when you die, then you'll be disinheriting all of your other children.

  • Guardianship or Conservatorship for Minor Beneficiaries - If you own any assets as joint tenants with right of survivorship with a minor child or grandchild instead of in the name of your trust when you die, then an adult will have to go to court in order to gain control of the account by establishing a guardianship or conservatorship for the benefit of the minor.

  • Income Tax Problems - If you fail to update the beneficiary designations for your life insurance and retirement accounts to coincide with the terms of your trust before you die, then your beneficiaries won't be able to take advantage of important estate and income tax strategies or asset protection.

  • Guardianship or Conservatorship for You - If you become mentally incapacitated and any of your assets are owned in your individual name or as a tenant in common outside of your trust, then your loved ones will be faced with establishing a court-supervised guardianship or conservatorship in order to be able to manage you and your assets.
The bottom line is that if you overlook the importance of funding your Revocable Living Trust, then your estate plan won't work as you or your family had anticipated and your trust will only be worth the paper it's written on.
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How to Avoid Guardianship or Conservatorship

Getting Things in Order While You're Competent

There are a variety of ways to avoid having you and your assets placed in a court-supervised guardianship or conservatorship if you become mentally incapacitated. Some will work in certain situations but not in others. It's also important to understand that planning to avoid guardianship or conservatorship must be done before you become mentally disabled.
Title Your Assets Jointly With Someone Else

Joint ownership of property is probably the most simple way to avoid a court-supervised guardianship or conservatorship. If you become incapacitated and there is someone else authorized to access your bank account or investment account, then the other person will be able to pay your bills and manage your investments.

 If you have a joint owner on your home or other piece of real estate, however, the other owner won't be able to sell or mortgage the property without your consent, and if you're mentally incapacitated you won't be able to give your consent. 

 Aside from this, adding other owners to your bank and investment accounts or real estate could, under many circumstances, be deemed a gift for federal and state gift tax purposes. Also, if your joint owner is sued, then your assets could be seized as a result of the joint owner's lawsuit.
Sign a General Power of Attorney

A general power of attorney can be written to cover most types of assets that you own. The problem with a general power of attorney, however, is that it may not cover every single type of asset you own, it can be awkward and clumsy to use because it will need to be examined by the institution's legal department, and it may become stale after several years and your financial institutions could refuse to honor it. Also, as mentioned above, a general durable power of attorney will give your attorney in fact immediate and unfettered access to all of your assets.
Sign an Advance Medical Directive/Health Care Power of Attorney

Ask your primary doctor about signing an advance medical directive, called a health care power of attorney in some states, the next time you visit. This form will most likely be a basic form that follows the laws of the state where you live.

 In certain situations, however, such as if you're traveling away from home or are in an accident and require someone to make immediate decisions, the form held on file at your doctor's office won't be useful.  

An alternative is to sign an advance medical directive that's provided by an estate planning attorney. This document will most likely be quite comprehensive and cover all of your health care decisions.

 In order for this important document to be available when needed, many states now have a central "Advance Health Care Directive Registry" where you can store a copy of your health care documents. You can also use private companies such as Docubank and US Living Will Registry to store your important medical documents.
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Set Up and Fund a Revocable Living Trust

A Revocable Living Trust is probably the most efficient way to plan for disability and avoid guardianship or conservatorship. This is because assets held in the name of the trust can be accessed and managed by the person or institution you name as your disability Trustee. Even if you already have a Revocable Living Trust, however, you need to consider the following: (1) First, make sure your trust contains (a) specific provisions on determining if you have become mentally incompetent outside of a court proceeding, and (b) specific provisions about how the trust assets should be managed for your benefit if you become mentally disabled
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Testamentary vs Inter Vivos Trust Funds

Understanding the Difference

  • Testamentary trust funds are trust funds formed after death.
  • Living trusts, or inter vivos trusts as they are often called, are trust funds formed during life
A testamentary trust fund comes into existence upon the death of the grantor (the person establishing the trust fund), as prescribed in his or her will.
 The downside of this approach is that the assets used to fund the trust are almost certainly going to go through the probate process, which can possibly lead to outcomes that the now-deceased never desired, including seeing relatives you would rather not get any of your money fighting for a share.
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Revokable vs Irrevocable Trust Funds

If a trust is revokable, it means the grantor can make changes to it during his or her lifetime. That is, generally speaking, the trust fund can be undone. The most popular form of this is known as a Revokable Living Trust, which offers a way to reduce estate taxes.
A living trust is unique in that one strategy used involves the grantor also serving as the trustee and beneficiary. This reduces the asset protections available, and takes away most of the immediate tax benefits, but can protect the elderly from abusive family or friends.
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What are the Benefits of a Revocable Living Trust vs. a Will?

Privacy, Disability Planning and Probate Avoidance

 Keeping Your Estate Plan Private

Probate is a court-supervised process that requires the filing of all probate documents with the local probate court. This makes each probate pleading a part of the public court records that anyone can read, including your Last Will and Testament, a list of your beneficiaries and assets, and a break down of who's getting what and how and when they're getting it. 

Contrast this with a Revocable Living Trust - it's a private contract between you as the Trustmaker and Trustee, and so it doesn't have to be filed with any court clerk. 

That is, unless a lawsuit is required to settle your trust after your death if, for example, your beneficiaries and successor Trustee don't get along or if someone wants to challege the validity of your trust.

Will your money last through retirement and beyond?
Visionone Capital Management
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Certainly, you need your investments provide for you  as long as you're living and even leave a legacy for your loved ones.
Visionone Holding Company
Strategies to help you avoid running out of money in retirement.
Buyheremarket Enterprise - buyheremarket.blogspot.com
Strategies to generate income for a comfortable retirement.
Money Wisers Group - moneywisers.blogspot.com
Deciding how to generate income in retirement can be stressful,
complicated and even confusing and making the wrong income moves could put your retirement at risk.
Fruital Investment Group - fruitalinvestment.blogspot.com

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