My life changed too when I started doing this and putting money in stocks. The first few years it as really great, but this year I haven't felt like my portfolio is doing well. I have lost more than $40,000 from my portfolio the past four months, and it's now very worrisome.
The year has been really rough for everybody. But I've been able to cushion the effect though. Have you thought of using an investment advisor? They can make you good money especially during uncertain times like this.
Yes, I agree. I use a financial advisor too. Same person since 2020. I don't worry about whether the economy is going up or down or sideways. I always ride through.
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
Back in the day, when I purchased my first home to live-in; that was Miami in the early 1990s, first mortgages with rates of 8 to 9% and 9% to 10% were typical. People will have to accept the possibility that we won't ever return to 3%. If sellers must sell, home prices will have to decline, and lower evaluations will follow. Pretty sure I'm not alone in my chain of thoughts.
If anything, it'll get worse. Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.
Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.
‘’Aileen Gertrude Tippy’’ is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
From my analysis, people overpaid for homes even while loan rates were low, I believe there will be a housing catastrophe because these people are in debt. If housing costs continue to drop and, for whatever reason, they can no longer afford the property and it goes into foreclosure, they have no equity since, even if they try to sell, they will not make any money. I believe that many individuals will experience this, especially given the impending mass layoffs and rapidly rising living expenses.
I advise you to invest in stocks to balance out your real estate, Even the worst recessions offer wonderful buying opportunities in the markets if you're cautious. Volatility can also result in excellent short-term buy and sell opportunities. This is not financial advice, but buy now because cash is definitely not king right now!
Anticipate rising home prices due to inflation, potential economic fluctuations, and Federal Reserve actions, emphasizing the need for expert financial advice amid uncertainties.
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.
I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.
Consider buying stocks when the economy is not doing well, like during a recession. It could be a chance to buy them at a lower price and sell later when prices go up. Just keep in mind, this isn't financial advice, but sometimes it's better than keeping a lot of cash.
Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million.
Thank you so much! This is exactly what I needed right now. I wrote her an email and am waiting for her reply. Hopefully, she responds soon. I plan to start the year on a strong financial note.
Asking a real estate agent whether you should buy a home right now is like to asking an alcoholic whether they think you should have a drink lol. Homes in my neighborhood that cost around $450k in sales in 2019 are now going for $800 to $950k. Every seller in my neighborhood is currently making a $350k profit. Simply unreal. In all honesty, deflation is what we require. The only other option is for many people to go bankrupt, which would also be bad for the economy. That is the only way to return to normal.
Home prices will come down eventually, but for now; its best to offset some of your real estate investments and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes. If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
Finding financial advisors like vivian jean wilhelm who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
*Appreciate your videos! I’m 54 and younger generations should know there’s no shortcut to acquiring wealth, but there are ways to go about it. Fellow millionaires don’t tell the poor/middle class they need the knowledge of finance coaches to help build their wealth. If anyone here needs a good coach, here’s it..*
Putting well-earned money into the stock market can be over emphasized for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing. I am working on a ballpark estimate of $5M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me? I'm nearly 60.
Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2019, and I return at least $121k ROI, and this does not include capital gain.
I'm pleased I found this conversation. If you're comfortable with it, could you share how I can get in touch with the advisor you rely on for your investments?
My CFA ’’ Vivian Carol Gioia, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..!
I find this informative, curiously explored Vivian on the web, spotted her consulting page, and was able to schedule a call session with her, she shows quite a great deal of expertise from her resume.. very much appreciated
Because so many people overpaid for homes even while loan rates were low, I believe there will be a housing catastrophe because these people are in debt. If housing costs continue to drop and, for whatever reason, they can no longer afford the property and it goes into foreclosure, they have no equity since, even if they try to sell, they will not make any money. I believe that many individuals will experience this, especially given the impending mass layoffs and rapidly rising living expenses.
Considering the present situation, diversifying by shifting investments from real estate to financial markets or gold is recommended, despite potential future home price drops. Given prevailing mortgage rates and economic uncertainty, this move is prudent, particularly due to stricter mortgage regulations. Seeking advice from a knowledgeable independent financial advisor is advisable for those seeking guidance.
You're correct! With the help of an investment coach, I was able to diversify my 450K portfolio across markets and produce slightly more than $830K in net profit from high dividend yield equities, ETFs, and bonds.
The only American who won't acknowledge this Administration's failed economic policies is Joe Biden. "Shrink-flation' is the least of our worries compared to rising rents and stagnant wages, but it is an undeniable indicator of how bad our inflation has gotten. I have $100k that i like to invest in a non-retirement account, any advice on that?
I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
I foresee a recession lasting 2-3 years, and if inflation continues to surge, the Federal Reserve will likely raise interest rates soon. Inflation is causing various issues worldwide, such as food shortages, scarcities of diesel and heating fuel, and significant spikes in housing prices, leading to a potential financial market crash. This global downturn could have long-lasting repercussions. Given the current inflation rate of approximately 9%, my main worry is how to optimize my savings and retirement fund, which has remained stagnant at around $300,000, yielding almost no gains for quite some time.
Numerous opportunities exist to achieve substantial profits at present, but executing high-volume and nearly flawless trades requires the expertise of real-time professionals with an ISDA Agreement. This agreement allows investors to participate in sophisticated trades, exclusive to seasoned individuals, and unavailable to amateurs. Attempting to be a high-stakes trader without an ISDA is akin to trying to win the Indy 500 riding a llama.
Yes, I've been in constant touch with a Financial Analyst for approximately 8 months. You know, these days it's really easy to buy into trending stocks, but the task is determining when to sell or keep. That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. Can’t say I regret it, I’m 40% up in profits just in 5months with my initial capital of $160k
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks
Your videos are amazing! Ken is the only real investor that speaks facts on youtube. If you want to think critically and find opportunities, listen to this guy.
@@JJ-Sg305 I guess you forget, but houses did crash in 2020 after March. Recovered quickly by Q4 due to 0% interest. So not sure what you are talking about…
As a 21 year vet in Real Estate here in FL. My opinion is to stay patient and 2025, 2026 houses and multi-family properties will be on sale. Inventory here on the Space Coast is at a 10 year high and nobody is taking about it! The deals are coming!!!!! I love owning Real Estate and managing my doors! “Investors grow rich in their sleep” WB I love your message about buying cash flow. That is key 💯 of the time.
East coast FL Investor here. Builders are offering what they call "Below Market Value" and offering low financing deals. Inventory is creeping up. Nobody is buying, However curious to see what happens when fed does the first rate cut in September.
Surprised that you don't have more subscribers! Your channel shares a lot of very informative and educational videos. There are others out there with far more subscribers but are more like "sales" type channels that only benefit the producers.
I'm bullish on real estate pockets in the Midwest. I sold out 95% of my real estate holdings in the Northwest in '21-'22 and 10/31'd into the Midwest. My Oregon properties I sold are up about 5% since '22....less than the rate of real inflation. My Midwest properties are up about 35%. Part of the difference is the cold, long winters in the Midwest kept a lot of people from moving here. We haven't had a hard winter since 2018. Another contributing factor is the high cost of real estate nationwide. The Midwest has historically been depressed relative to the rest of the country except rural southern markets. When I transitioned from Oregon, like properties were 50 cents on the dollar in the Midwest. The fact Midwest real estate prices were depressed for decades and the improvement in the weather, I don't see it being as volatile as Bend, Nashville, Austin or pretty much the entire state of Florida. The state to really be cautious about is Idaho. Their prices seem a little ridiculous compared to similar locations.
1. Stock are trading like the Fed already cut rates 2. Bonds are trading like rate cuts aren't happening 3. Gold is trading like we are in a soft landing 4. Oil prices are trading like we are entering a recession 5. Housing markets are trading like nothing is happening
The rich stay rich by spending like the poor and investing without hesitating then the poor stay poor by spending like the rich yet not investing like the rich
Ken, I rememeber when you were speaking in Manhattan Beach in early 2022, at that time a lot of the big shot indicators were giving you Flack for doing fixed-rate debt with a low ltv. And a couple years later you're doing all the laughing, all the way to bank.. lots of lessoned learned from you . Thank you..
Very practical advice. One advice I give to people who want to go into real estate is to make sure you're not overpaying for the house. I want to branch out to the stock market now, and I have set aside $200k, but I'm not really a pro in that aspect.
I totally agree. I put $250k into stocks with my advisor, and now I've made over $4 million in profits. I used the profits to buy properties, and they're bringing in great income. It just shows how important it is to invest in things that grow over time. It's like I'm living out the lessons right from the start of his book- Guide to investing
Despite the ups and downs in the stock market, you've managed to turn your investments into good profits. Could you share the name of your advisor? I have $300k saved up and ready to invest, but as a beginner, I don't know my way around the market.
I am on the look out for experts and after doing my research online will say she meets my requirements, Thank you for sharing with us. I already sent her a mail hoping she can make out time in her busy schedule to assist me.
You work for a 40yrs to have $1m in your retirement, meanwhile some people are putting just $10k in a bitcion coin for just fe months and now they are multimillionaires thanks to Charlotte Grace Miller
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
It's roughly 43% worse than pre-2008 mathematically. Median income would need to go up over 40% in under 12 months just to maintain these valuations without the worst crash in history. 12% unemployment and 50% stock and housing crashes are mathematically guaranteed.
thank you foreverything you did say. 2021 I bought an real estate at the top of the price. This month I sold it at the bottom. I wish I had watched your videos early
I like anyone who starts with fundamentals, rather than opinions. But supply and demand can be complicated. It is demographics, but there is more complexity to it than that. I view both supply side elements, (how many housing starts), and demand ability (how many people can actually afford the purchase). You can have massive demographic trends but if they cannot get a loan, or they don't have jobs that would support rents, they are effectively not part of the demand equation.
Hey Ken , very good video . I can do better editing in your videos which can help you to get more engagement in your videos . Pls lmk what do you think ?
I have experience in concrete construction, specializing in multi family. I am considering starting a company in central Texas. Based on this video, is it best to wait until the “lag” period has elapsed to have the best possible success?
I'm not an expert, but it seems that starting now would have many advantages. You may be able to buy an existing business and their equipment for CHEAP. Plus, you could lay all the groundwork and build relationships. That way, when it does turn up, you're ready, not getting ready.
While I can’t guarantee you’ll be rich, you can certainly buy property with less than $100k down. Your required down payment depends on a variety of factors, and can be as low as 0% in some cases (VA Home loans for example).
The unemployment rate edged up for a second straight month, to a still-low 4%, from 3.9%, ending a 27-month streak of unemployment below 4%. That streak had matched the longest such run since the late 1960s. Overall, not bad at all.
Home prices will continue to rise. There will be no crash. Don’t believe anything these TH-cam people say. It’s really simple. Supply and demand. There is not enough supply of new homes on the market to keep up with population growth. Therefore prices will continue to rise even if interest rates hit 15%.
In 2008 house example house price was 300k went up 500k crashed to 400k ? Now house price was 500k went up 900k crashed will bring it down maybe to 700k ???
I’m pretty sure you could judge the speed relatively accurately…. I’m not a math wizard but if I had to guess Take the speed of the plane, Then the seconds of how long it took to pass out of the frame and you should get some type of speed …. 🤷♂️ it would be cool if someone smarter then me could throw up that equation
The problem is today man expecting woman to make money and contribute as the same time she’s also expecting to be a mother, a cook, a cleaner… women also need to have a life as well…
@@bruceduckett87I disagree. It is not a crash inventory is really low especially on the residential side. Also new home built is not keeping up with demand. If more inventory was on the market then I would agree prices will come down. A lot of people are not selling their homes because they don’t want to buy in the new interest rate market.
@@taran5209 NOT Homes, He is Talking About Multi Family (Apartments), Mostly Syndications, But If It Goes On Long Enough, Could Affect Smaller Properties Also?
I have a question and it might be the question for many others. What does that mean buy cash flow assets? I mean if you borrowed 20% or you borrowed 80%, of course the cash flow after mortgage will be completely different. Think about use 100% cash purchase with not debt, what is the chance of negative cash flow? Does anyone know the answer? Thanks
The argument is in the math. 1 - Paying all cash costs you more money since you are paying for the entire property out of pocket. When you have a loan, the tenant's rent is paying for everything but what comes out of your pocket is the down payment. 2 - Paying cash to get better cash flow isn't true. If you use the same money as down payments, you can get 5 of the exact same property (20% DP), which means higher Total CF using the same cash. 3 - Appreciation is applied to property values. If you have 5 properties instead of just one, you are getting 5 times the appreciation. 4 - Profits are made only after you have recovered all of your costs. The cash out of pocket is your only cost. If you pay all cash, you have to recover 5 times as much cash as you would if you only used the cash as a DP. 5 - If you need to pay more than a 20% DP in order for the property to cash flow, then don't buy the property. All that added DP is doing is paying for all that negative CF upfront. Ps: courtesy BiggerPockets website.
Hi dear, how are you? I hope you are keeping well, I have analyzed your TH-cam channel and discovered some problems. Do you want to talk about it for a while?
American banks notified their regulator that they would close 36 branches in just one week this month - with TD Bank and Wells Fargo alone responsible for 28. Bank of America, Chase, Citibank, Citizens, US Bank and Liberty Bank in California are behind the closure of the remaining eight.
some genZer called me a "Larp" today when I was sharing my wealth knowledge with him. Kid was on meds probably because i don't know how i offended him. Anybody else been called this name?
LARP - Pretending to be something that you're not is the definition I found. I guess the GZer didn't believe you were legit or what you were sharing with them was true.
![HIWWHEE | OHM [Official MV]](http://i.ytimg.com/vi/OJJLtTLqLag/mqdefault.jpg)
My life changed too when I started doing this and putting money in stocks. The first few years it as really great, but this year I haven't felt like my portfolio is doing well. I have lost more than $40,000 from my portfolio the past four months, and it's now very worrisome.
The year has been really rough for everybody. But I've been able to cushion the effect though. Have you thought of using an investment advisor? They can make you good money especially during uncertain times like this.
Yes, I agree. I use a financial advisor too. Same person since 2020. I don't worry about whether the economy is going up or down or sideways. I always ride through.
Oh, really? I have never thought of that as an option. Can I ask who it is you've been working with? I bet I could use some help myself.
My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further... She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
Back in the day, when I purchased my first home to live-in; that was Miami in the early 1990s, first mortgages with rates of 8 to 9% and 9% to 10% were typical. People will have to accept the possibility that we won't ever return to 3%. If sellers must sell, home prices will have to decline, and lower evaluations will follow. Pretty sure I'm not alone in my chain of thoughts.
If anything, it'll get worse. Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.
Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.
I will be happy getting assistance and glad to get the help of one, but just how can one spot a reputable one?
‘’Aileen Gertrude Tippy’’ is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
From my analysis, people overpaid for homes even while loan rates were low, I believe there will be a housing catastrophe because these people are in debt. If housing costs continue to drop and, for whatever reason, they can no longer afford the property and it goes into foreclosure, they have no equity since, even if they try to sell, they will not make any money. I believe that many individuals will experience this, especially given the impending mass layoffs and rapidly rising living expenses.
I advise you to invest in stocks to balance out your real estate, Even the worst recessions offer wonderful buying opportunities in the markets if you're cautious. Volatility can also result in excellent short-term buy and sell opportunities. This is not financial advice, but buy now because cash is definitely not king right now!
Anticipate rising home prices due to inflation, potential economic fluctuations, and Federal Reserve actions, emphasizing the need for expert financial advice amid uncertainties.
I need a guide so i can salvage my port-folio due to the massive dips and come up with better strategies. How can one reach this advisor?
Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.
I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.
Consider buying stocks when the economy is not doing well, like during a recession. It could be a chance to buy them at a lower price and sell later when prices go up. Just keep in mind, this isn't financial advice, but sometimes it's better than keeping a lot of cash.
Accurate asset allocation is crucial. Some use hedging or defensive assets in their portfolio for market downturns. Seeking financial advice is vital. This approach has kept me financially secure for over five years, with a return on investment of nearly $1 million.
Mind if I ask you to recommend this particular coach you using their service?
Sonya Lee Mitchell maintains an online presence that can be easily found through a simple search of her name on the internet.
Thank you so much! This is exactly what I needed right now. I wrote her an email and am waiting for her reply. Hopefully, she responds soon. I plan to start the year on a strong financial note.
Asking a real estate agent whether you should buy a home right now is like to asking an alcoholic whether they think you should have a drink lol. Homes in my neighborhood that cost around $450k in sales in 2019 are now going for $800 to $950k. Every seller in my neighborhood is currently making a $350k profit. Simply unreal. In all honesty, deflation is what we require. The only other option is for many people to go bankrupt, which would also be bad for the economy. That is the only way to return to normal.
Home prices will come down eventually, but for now; its best to offset some of your real estate investments and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes. If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.
It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.
How can i reach this person?
Finding financial advisors like vivian jean wilhelm who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
I searched her up online and checked out her credentials since I was so intrigued. Top-notch! I emailed her to inquire about accepting new clients.
*Appreciate your videos! I’m 54 and younger generations should know there’s no shortcut to acquiring wealth, but there are ways to go about it. Fellow millionaires don’t tell the poor/middle class they need the knowledge of finance coaches to help build their wealth. If anyone here needs a good coach, here’s it..*
ELIZABETH GREEN HUNTS
Get to her with her name..
Putting well-earned money into the stock market can be over emphasized for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing. I am working on a ballpark estimate of $5M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me? I'm nearly 60.
Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2019, and I return at least $121k ROI, and this does not include capital gain.
I'm pleased I found this conversation. If you're comfortable with it, could you share how I can get in touch with the advisor you rely on for your investments?
My CFA ’’ Vivian Carol Gioia, a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market..!
I find this informative, curiously explored Vivian on the web, spotted her consulting page, and was able to schedule a call session with her, she shows quite a great deal of expertise from her resume.. very much appreciated
😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊😊
Because so many people overpaid for homes even while loan rates were low, I believe there will be a housing catastrophe because these people are in debt. If housing costs continue to drop and, for whatever reason, they can no longer afford the property and it goes into foreclosure, they have no equity since, even if they try to sell, they will not make any money. I believe that many individuals will experience this, especially given the impending mass layoffs and rapidly rising living expenses.
Considering the present situation, diversifying by shifting investments from real estate to financial markets or gold is recommended, despite potential future home price drops. Given prevailing mortgage rates and economic uncertainty, this move is prudent, particularly due to stricter mortgage regulations. Seeking advice from a knowledgeable independent financial advisor is advisable for those seeking guidance.
You're correct! With the help of an investment coach, I was able to diversify my 450K portfolio across markets and produce slightly more than $830K in net profit from high dividend yield equities, ETFs, and bonds.
I heard her strategies are really good, How do I reach your Coach/mentor.
Whitney Eston maintains an online presence. Just perform a quick search for her name online...
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
The only American who won't acknowledge this Administration's failed economic policies is Joe Biden. "Shrink-flation' is the least of our worries compared to rising rents and stagnant wages, but it is an undeniable indicator of how bad our inflation has gotten. I have $100k that i like to invest in a non-retirement account, any advice on that?
I think the safest strategy is to diversify investments. Like spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850K
This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation
Viviana Marisa Coelho is her name. She is regarded as a genius in her area and works for Empower Financial Services. By looking her up online, you can quickly verify her level of experience. She is well knowledgeable about financial markets.
I foresee a recession lasting 2-3 years, and if inflation continues to surge, the Federal Reserve will likely raise interest rates soon. Inflation is causing various issues worldwide, such as food shortages, scarcities of diesel and heating fuel, and significant spikes in housing prices, leading to a potential financial market crash. This global downturn could have long-lasting repercussions. Given the current inflation rate of approximately 9%, my main worry is how to optimize my savings and retirement fund, which has remained stagnant at around $300,000, yielding almost no gains for quite some time.
Numerous opportunities exist to achieve substantial profits at present, but executing high-volume and nearly flawless trades requires the expertise of real-time professionals with an ISDA Agreement. This agreement allows investors to participate in sophisticated trades, exclusive to seasoned individuals, and unavailable to amateurs. Attempting to be a high-stakes trader without an ISDA is akin to trying to win the Indy 500 riding a llama.
Yes, I've been in constant touch with a Financial Analyst for approximately 8 months. You know, these days it's really easy to buy into trending stocks, but the task is determining when to sell or keep. That's where my manager comes in, to help me with entry and exit points in the industries I'm engaged in. Can’t say I regret it, I’m 40% up in profits just in 5months with my initial capital of $160k
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
Her name is 'MICHELE KATHERINE SINGH’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
Thanks for sharing. I curiously searched for her full name and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks
Your videos are amazing! Ken is the only real investor that speaks facts on youtube. If you want to think critically and find opportunities, listen to this guy.
That’s very true. Just made some big disastrous calls like he called 40% crash on single family homes in 2020 lol
Ken doesn’t know anything about housing crashes. He said the same thing during Covid lol
@@JJ-Sg305 I guess you forget, but houses did crash in 2020 after March. Recovered quickly by Q4 due to 0% interest. So not sure what you are talking about…
TH-camrs keep talking about "crash" and it did not materialize. In many cities (for example Bellevue, WA) people still paid over the listing price.
As a 21 year vet in Real Estate here in FL. My opinion is to stay patient and 2025, 2026 houses and multi-family properties will be on sale. Inventory here on the Space Coast is at a 10 year high and nobody is taking about it! The deals are coming!!!!!
I love owning Real Estate and managing my doors!
“Investors grow rich in their sleep” WB
I love your message about buying cash flow. That is key 💯 of the time.
East coast FL Investor here. Builders are offering what they call "Below Market Value" and offering low financing deals. Inventory is creeping up. Nobody is buying, However curious to see what happens when fed does the first rate cut in September.
Surprised that you don't have more subscribers! Your channel shares a lot of very informative and educational videos. There are others out there with far more subscribers but are more like "sales" type channels that only benefit the producers.
Good luck finding cash flow in this interest rate environment. Prices have to come down significantly more!
I'm bullish on real estate pockets in the Midwest.
I sold out 95% of my real estate holdings in the Northwest in '21-'22 and 10/31'd into the Midwest.
My Oregon properties I sold are up about 5% since '22....less than the rate of real inflation.
My Midwest properties are up about 35%. Part of the difference is the cold, long winters in the Midwest kept a lot of people from moving here. We haven't had a hard winter since 2018.
Another contributing factor is the high cost of real estate nationwide. The Midwest has historically been depressed relative to the rest of the country except rural southern markets.
When I transitioned from Oregon, like properties were 50 cents on the dollar in the Midwest.
The fact Midwest real estate prices were depressed for decades and the improvement in the weather, I don't see it being as volatile as Bend, Nashville, Austin or pretty much the entire state of Florida.
The state to really be cautious about is Idaho. Their prices seem a little ridiculous compared to similar locations.
Cash flow is king. 4 words that should live rent free in your mind if you want to strive financially in any market.
I really appreciate these videos Ken. But from where I am right now, owning even a small project seems like an impossible task.
1. Stock are trading like the Fed already cut rates
2. Bonds are trading like rate cuts aren't happening
3. Gold is trading like we are in a soft landing
4. Oil prices are trading like we are entering a recession
5. Housing markets are trading like nothing is happening
The rich stay rich by spending like the poor and investing without hesitating then the poor stay poor by spending like the rich yet not investing like the rich
The poor become rich by exploiting other poor people, not by investing.
That was a terribly written quote
Home values are declining rapidly in Florida and Massachusetts.
Ken, I rememeber when you were speaking in Manhattan Beach in early 2022, at that time a lot of the big shot indicators were giving you Flack for doing fixed-rate debt with a low ltv. And a couple years later you're doing all the laughing, all the way to bank.. lots of lessoned learned from you .
Thank you..
Very practical advice. One advice I give to people who want to go into real estate is to make sure you're not overpaying for the house. I want to branch out to the stock market now, and I have set aside $200k, but I'm not really a pro in that aspect.
“Rich people acquire assets. The poor and middle class acquire liabilities that they think are assets.” - Robert Kiyosaki
I totally agree. I put $250k into stocks with my advisor, and now I've made over $4 million in profits. I used the profits to buy properties, and they're bringing in great income. It just shows how important it is to invest in things that grow over time. It's like I'm living out the lessons right from the start of his book- Guide to investing
Despite the ups and downs in the stock market, you've managed to turn your investments into good profits. Could you share the name of your advisor? I have $300k saved up and ready to invest, but as a beginner, I don't know my way around the market.
She is well known as - Chasity George Charles. please do your own research.
I am on the look out for experts and after doing my research online will say she meets my requirements, Thank you for sharing with us. I already sent her a mail hoping she can make out time in her busy schedule to assist me.
What are examples of liabilities that “they think are assets”?
Thank you so much for your insight and education
Can’t have a crash with no inventory.
You work for a 40yrs to have $1m in your retirement, meanwhile some people are putting just $10k in a bitcion coin for just fe months and now they are multimillionaires thanks to Charlotte Grace Miller
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
The very first time we tried, we invested $1000 and after a week, we received $7500. That really helped us a lot to pay up our bills.
I'm new at this, please how can I reach her?
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
she's mostly on Instagrams, using the user name
Excellent video. Thanks,
It's roughly 43% worse than pre-2008 mathematically. Median income would need to go up over 40% in under 12 months just to maintain these valuations without the worst crash in history. 12% unemployment and 50% stock and housing crashes are mathematically guaranteed.
THANK YOU for breaking it down into simple numbers and quick facts!
They’ve been saying this for 3 years now…
thank you foreverything you did say. 2021 I bought an real estate at the top of the price. This month I sold it at the bottom. I wish I had watched your videos early
Why did you sell and not hold on to it?
@@mariuss.6607 because of my debt. I did not control my debt as well. Bank interest rate is too high
You are truly a blessing to the world
Great real estate investment video
Ok but what if you aren't starting from a position of having money
You partner with someone. Real estate is harder and harder for low\mid income starters because of rates.
You can invest in real estate investment trusts. They’re basically stocks.
FHA loan 3 percent down live in one unit rent others
You invest in yourself by reading watching more of these videos educating yourself...
That's how I started by reading Ritch Dad Poor Dad...1💚✌🏾😇👑🇿🇦
Always easier said then done. You better have a lot of cash on hand.
Do you think that will apply to NYC at all? Or it won't be touched at all
I like anyone who starts with fundamentals, rather than opinions. But supply and demand can be complicated. It is demographics, but there is more complexity to it than that. I view both supply side elements, (how many housing starts), and demand ability (how many people can actually afford the purchase). You can have massive demographic trends but if they cannot get a loan, or they don't have jobs that would support rents, they are effectively not part of the demand equation.
You don't say why the supply is decreasing? Because the projects don't pencil with this high interest. How do you drag it for 3 years then ?!!
THANK YOU
Yep. We are in a stagflation event. Nobody got rich in the 70’s.
Except not once did he imply stagflation
@@jameswalker366 But He Did On Yesterday's Video (Him & Danielle) 🤔🤔We Are Not in Stagflation Now, But It is a Real Possibility
@@jameswalker366 who said he did.
If you had money in the bank you did pretty well on interest.
Thank you so much. we love you
Awesome stuff Ken.. 👍🏽
Yeah, I give you my thanks on this. It is always the supply and demand.
Um.... If the property cash flows (pays it's expenses), how/why does it become available to acquire?
Tired landlords. Or they want to seller finance and just be the bank. You gotta talk to 50 people before you may find one.
Permit and start, can you differentiate rental and built to sell property?
“Size doesn’t matter” that’s all I needed to hear
Hey Ken , very good video . I can do better editing in your videos which can help you to get more engagement in your videos . Pls lmk what do you think ?
Can’t wait to get to Limitless!
Excellent Excellent Content!
Interesting in high school I never learned anything about money. I always thought it about the teachers thought I was stupid.
In canada we have massive population growth from immigration. Cities like Toronto and Vancouver are exceptionally popular for immigrants
I have experience in concrete construction, specializing in multi family. I am considering starting a company in central Texas. Based on this video, is it best to wait until the “lag” period has elapsed to have the best possible success?
I'm not an expert, but it seems that starting now would have many advantages. You may be able to buy an existing business and their equipment for CHEAP. Plus, you could lay all the groundwork and build relationships. That way, when it does turn up, you're ready, not getting ready.
Is getting rich from real estate without significant down payment of less than 100k still possible??
While I can’t guarantee you’ll be rich, you can certainly buy property with less than $100k down. Your required down payment depends on a variety of factors, and can be as low as 0% in some cases (VA Home loans for example).
Yes
How is yield calculated
What you think of Texas market
I don’t understand how home prices can rise beyond what most people can afford. How does this play out?
Some people can afford multiple
He has a video from 2022 saying the market was going to crash
Multifamily is definitely softening in some markets. Definitely varies from market to market.
Correct. This is not like 2008, it is MUCH worse. Unemployment will explode soon.
The unemployment rate edged up for a second straight month, to a still-low 4%, from 3.9%, ending a 27-month streak of unemployment below 4%. That streak had matched the longest such run since the late 1960s. Overall, not bad at all.
@@hojo70 Just watch. It's pretty much baked in the cake at this point and will become inevitable. Unemployment will eventually explode higher.
No crash
Home prices will continue to rise. There will be no crash. Don’t believe anything these TH-cam people say. It’s really simple. Supply and demand. There is not enough supply of new homes on the market to keep up with population growth. Therefore prices will continue to rise even if interest rates hit 15%.
In 2008 house example house price was 300k went up 500k crashed to 400k ? Now house price was 500k went up 900k crashed will bring it down maybe to 700k ???
So good! So exciting… Let’s GOO🚀🏢
9:40 I'd say tampa is being over supplied right now
I’m pretty sure you could judge the speed relatively accurately…. I’m not a math wizard but if I had to guess Take the speed of the plane, Then the seconds of how long it took to pass out of the frame and you should get some type of speed …. 🤷♂️ it would be cool if someone smarter then me could throw up that equation
Very helpful Thank you for sharing
TQ... So informative.
Keep up the good work. Cheers.
The market will not crash. Maybe drop a little. Value of the dollar keeps dropping. Interest rates will go a little lower which will make prices up
Can you cover schedule E and how that has affected real estate ?
"Rent growth." The fact that people see an investment opportunity in continuously raising rents makes me sick.
Don't buy, if you can't afford , homes are way too high in prices
The problem is today man expecting woman to make money and contribute as the same time she’s also expecting to be a mother, a cook, a cleaner… women also need to have a life as well…
How is there a crash when there's no inventory? Are we talking about eventual defaults?
It's Here and More Coming ........ It is Just Not "Mainstream Yet"
@@bruceduckett87I disagree. It is not a crash inventory is really low especially on the residential side. Also new home built is not keeping up with demand. If more inventory was on the market then I would agree prices will come down. A lot of people are not selling their homes because they don’t want to buy in the new interest rate market.
@@taran5209 NOT Homes, He is Talking About Multi Family (Apartments), Mostly Syndications, But If It Goes On Long Enough, Could Affect Smaller Properties Also?
Pretty sure this dude had the same idea In 2022. Now look where that got us!
Thank you Mr. Ken
Thank you for your help
How do most of you guys still making profit? Even with the downturn of economy and ever increasing life standards
Buy low and hold.
How come nobody talked about why the 2008 housing market happened. You can thank bill clinton and the banks
Thank you ❤❤
Wow you got it
one smart Mf
first guy on utube that gets it
this is exactly what i have been telling people for the last 6 months
thanks
No one can afford housing till a 50 pc correction
Crashing? We just hit all time record high prices.
I have a question and it might be the question for many others. What does that mean buy cash flow assets? I mean if you borrowed 20% or you borrowed 80%, of course the cash flow after mortgage will be completely different. Think about use 100% cash purchase with not debt, what is the chance of negative cash flow? Does anyone know the answer? Thanks
The argument is in the math.
1 - Paying all cash costs you more money since you are paying for the entire property out of pocket. When you have a loan, the tenant's rent is paying for everything but what comes out of your pocket is the down payment.
2 - Paying cash to get better cash flow isn't true. If you use the same money as down payments, you can get 5 of the exact same property (20% DP), which means higher Total CF using the same cash.
3 - Appreciation is applied to property values. If you have 5 properties instead of just one, you are getting 5 times the appreciation.
4 - Profits are made only after you have recovered all of your costs. The cash out of pocket is your only cost. If you pay all cash, you have to recover 5 times as much cash as you would if you only used the cash as a DP.
5 - If you need to pay more than a 20% DP in order for the property to cash flow, then don't buy the property. All that added DP is doing is paying for all that negative CF upfront.
Ps: courtesy BiggerPockets website.
Have you guys seen the crazy prices of real estate lately?
Sharing pop growth thru 2020 in mid 2024 is odd
where is the crash?
Hi dear, how are you? I hope you are keeping well, I have analyzed your TH-cam channel and discovered some problems. Do you want to talk about it for a while?
Doesn't always work this way .. price falls have so many factors other than low demand or population decline ..
What crash are you talking about? Nothing has crashed...
I disagree people need to buy gold and silver and wait 3 to 5 years to buy real estate
American banks notified their regulator that they would close 36 branches in just one week this month - with TD Bank and Wells Fargo alone responsible for 28.
Bank of America, Chase, Citibank, Citizens, US Bank and Liberty Bank in California are behind the closure of the remaining eight.
*YT Quick Survey:* For your shared investing ideas, what do you think will be the next Apple/Microsoft in terms of growth?
Media manipulation!! Its like when the say we will run out of gas, then every idiot takes gallons and gallos with then.
Sounds like a scam. I got in a message or email.
your video just like typical car salesman
❤
California losing major population.
Realtors are of the devil.
👍👍👍
some genZer called me a "Larp" today when I was sharing my wealth knowledge with him. Kid was on meds probably because i don't know how i offended him. Anybody else been called this name?
LARP - Pretending to be something that you're not is the definition I found. I guess the GZer didn't believe you were legit or what you were sharing with them was true.
@@richardlturnerjr7026 oh wow. these darn kids nowadays lol. I guess appearing poor to the IRS has negative social consequences
@@richardlturnerjr7026 i guess appearing poor to the IRS has negative social consequences
@@richardlturnerjr7026 i replied but TH-cam keeps deleting my comments here ...testing testing 1 2 3 again
Ken r u doing this to me?