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1. You have worked hard, and have invested wisely. You have stocks, bonds, a CD, an IRA and maybe even a savings account or a money market account. So then, how happy are you with the returns you are earning from each investment vehicle? ™ As of October 23, 2007, Bankrate.com shows a 5 year CD with a 4.65% return, an interest bearing checking account earns a rate of 2.2% and a Money Market Account shows 3.61% interest. Now, your IRA and stocks may perform better. Maybe you are getting 4 or 5% annually with these vehicles, hopefully, your return is much higher than this. Now, you might be asking yourself at this point is: Well, are there better returns to be made out there? The answer is ABSOLUTELY!! Let's take a step back first, and look at the tools we have discussed so far. What is a stock? It is a basic ownership interest in a given company. Basically, it gives you the opportunity to earn dividends, or payments, from corporate profits. This is a very simplistic view of stocks. Bonds can be backed by the government and corporations amongst other groups. They can be a very complicated investment tool, again, which typically pays a small rate of return. CD's, or Certificates of Deposit are another very common choice in which to invest. Many institutions offer them with different maturity dates and interest rates. Savings accounts and interest bearing checking accounts can also be found at banks, savings and loan institutions, credit unions etc. Finally, IRA's are one of the most, if not the most, popular choice to prepare for retirement. We will focus on this tool more in a later article. We have spoken about a few of the many investment vehicles available. We all can agree the returns these are often quite low. So what else is there? What would you say if I told you there is a way to get an 8% or better secured return? That's right, 8% or better is possible. Many times, this is addition to extra tax benefits you can receive as well. So what is this mystery investment? Direct lending, specifically, in real estate. What is direct lending in relation to real estate? It is when you have money available and you invest it any number of real estate projects with either an equity share partner or as a debt partner. This does not necessarily mean you have to find a property, repair it and sell it, or find a commercial property to buy and hold or reposition. Let's look at debt partnering first. Many real estate investors utilize direct lenders, or private money, to get into various deals. It could be to buy a foreclosure property, renovate it and then sell it to any number of end users. It could also be an investor buying a multi-family property because of the strong cash flow it will produce and the direct lending allows the investor to use these funds as the down payment on the property. As a debt partner, you will typically receive anywhere from an 8-10% secured return. Your investment is secured by the property and a mortgage you place on the property. So if you invested $100,000 with a real estate investor who buys a 50 unit building, with an 8% return, you will receive $8,000 per year. When the investor sells or refinances the property, you receive your $100,000 back in addition to your annual $8,000 payments. Equity partnering is a little different. First, your investment is still secured by the real estate, but you participate in the monthly cash flow and receive a share when the property is sold or refinanced. Let's look at the previous 50 unit apartment building. You use the same $100,000 to buy the $1,000,000 property, but this time, you would get a percentage of the cash flow each month. In this example, we will say the monthly cash flow after all expenses is $3,000 per month. This number will obviously differ based on the strength of the deal. You put up 10% of the purchase price, so conventional wisdom would dictate you receive 10% of the cash flow. This may or may not be the case. Many, many times, you would receive more. Yes, more. As a real estate investor, I want my direct lenders to want to lend with me. So I will consider giving a higher percentage.

2. Let's for the sake of argument say you 노노노노노노 receive 20% of the cash flow. In this case, you would receive $600 per month. This is $7,200 per year, or, a 7.2% return per year. This is still a good return compared to 4.65% in a CD. However, there are 2 other things to be excited about as an equity partner. First, is your share of "rental losses". Losses, are you crazy? I hear you thinking it, or maybe even saying it!! A quick lesson in taxes is in order. When an investor buys a rental property, the IRS allows the investor to recapture the purchase price of the property over a designated period of time. For a commercial property, it is a 39 year period, for residential, including apartments, it is 27.5 years. This is called Depreciation. The IRS also allows Accelerated Depreciation on the personal property, or Chattel, in the building. This requires a professional Cost Segregation Study to utilize this strategy. Chattel With Us is very good and you can get them on the web at . Now, this depreciation is on the entire purchase price minus the land value. Now, depreciation is an expense on paper only. You do not write a check for it. However, for tax purposes, you write it off. This can often times take a rental property and have it show a loss. Again, this is for tax purposes. You can take this "loss", and use it to offset other income. Now, you must ALWAYS consult your tax professional in regards to this. I am not an accountant and offer no tax or legal advice. These losses are then passed through to the equity partners in direct proportion to their interest percentage. The second benefit to the equity investor is a percentage share of the appreciation of the property during the holding period. Let's assume the property goes up in value each year it is held. We will say for the sake of argument the property appreciates 3% per year. This is many times a very conservative number, especially when there are "value plays" which allow forced appreciation at a higher rate in a shorter period of time. So, our $1,000,000 property will be worth $1,159,274 after a 5 year hold. This was in determined increasing the value by 3% each year. As the private lender, you would receive 20% of the appreciation, or $31,855. Add $31,855 and 5 years of cash flow totaling $36,000 and the total you would earn over the 5 year period is $67,855. Divide this by 5 years and your annual return averaged 13.57%. This does not include the additional tax benefits from the "losses" on rental income. These are not pie-in-the-sky figures. Smart investors are seeing these returns on a consistent basis all secured safely by real estate. Whenever you are considering where to put your investment dollars, not enough could be said about doing your due diligence. This is a mantra for real estate investors and should also be yours when investigating any opportunity. So what should you look for? First, you should only invest with someone who is in compliance with applicable SEC regulations and rules. This would mean real estate investor has utilized an SEC Attorney to properly adhere to laws effecting the transaction AND is putting your financial interests first. There are a great deal of regulations effecting a transaction such as this. A full discussion of these regulations could not be adequately discussed in this article. You would be best served to only deal with those who comply with these regulations. Second, contact your own legal and tax advisors so they can see what you are doing. Let these trusted advisors guide you through the transaction. Next, become familiar with the numbers in the deal. You will be presented with an offering which should outline the specifics of the deal. Ask questions about the deal. The more information you have, the better decision you can make. There are better ways to invest and with much better returns. Embrace the possibilities and put more money in your pocket! Many people neglect the news and are unaware of what is going on in the world around them. This is a large mistake however and a good understanding of current affairs is actually crucial for many reasons. Here we'll look at just why it's so important to follow the news and why you should look for a news blog, website or news channel to provide you with regular updates. Firstly the news can sometimes affect you. You might not think that news is constantly about crises in other countries, or things that have happened to other people, but more likely the news reflects a policy or government

3. decision that will be utilising your tax money and that will affect your economy. The government is designed to work for us and this is the true idea of a democracy, however it's the press and the blogs and news channels that allow us to actually see what the government are doing and that allow for democracy to work. People fought and died for freedom of speech and the freedom of the press that comes with it, and so to turn your back on it is a serious mistake. When it comes to an election, the news through the last few years should be the main thing influencing your decision. At the same time the news can often affect you directly. For example the recent news of the ash cloud covering the sky meant that many flights had to be cancelled or couldn't go ahead. However only those who read a news blog or watched a news channel would have known not to go ahead and book any last minute flights. Even on a more basic level, the news often includes the weather, and this will affect whether we get wet when we head outside or remember to bring an umbrella. The news is also very important for conversation. If something big has happened in the news then this is a sure fire way to spark up a conversation with someone where there might otherwise have been an awkward silence. At the same time in a group of people talking about the news you won't want to be the only one who isn't aware of what's going on as this can make you feel very isolated and out of touch. At the same time you might lose respect from the other people who value the news and current affairs more. Of course the news is also just interesting and while there will be a lot you're not interested in, there will always be something that catches your attention and that is related to one of the fields you find interesting. If you like celebrities and gossip then this always finds its way on to the news, while meanwhile you'll also likely find information about sports and cutting edge science. If you want to stay up to date with the news but struggle to find the time, new media technologies are now allowing many new methods to get quick and specific news updates meaning there's really no excuse left for not knowing what's going on in the world.