Author: maneavis
What do you think of when you picture a real estate investor? Is it a Donald Trump type in a snazzy suit sitting high up in an ivory tower? You may not realize it, but anyone who owns a home is technically a real estate investor—which means the title is up for grabs for just about anyone. You simply have to know how to get started. Investing in real estate doesn’t have to be hard, and it doesn’t have to be stressful. There are a few paths to building wealth through real estate. You can simply occupy your primary residence…
In April 2024, Barclaycard has told many customers that it will be setting lower minimum payments on their accounts from July. From a poll I ran on Instagram, Barclaycard has informed about 90% of cardholders. It looks as though this change is going to be across the board, affecting everyone. The messages are going out by email, letter or text. Look out for the communication if you haven’t yet heard. The history of this change is that Barclaycard increased credit card minimum payments in January 2021. Minimum payments slashed to just 1% Barclaycard has three ways of setting the minimum monthly…
Two picks from the last two weeks of news (I’m on vacation!) First, very disturbing Treasury Department ready to shelve crackdown on ‘buy now, pay later’ sector – Proper regulation of these loans is needed when the cost of living crisis hits. Secondly, When Advice Isn’t Enough – Increasing Negative Budgets Citizens Advice describes it as “aiming to start a dialogue on the policy issues that will increasingly define the next decade.” debt news BNPL: Revision of the Consumer Credit Law in 1974 Consultation response UK government: more detailed proposals and another consultation next year Inflation and interest rates: housing:…
In this podcast episode, fundraiser. We discuss the various opportunities and risks he sees for real estate and equity investors over the next 12-24 months. In the years I’ve known Ben, he’s consistently offered a more cautious outlook than any other CEO or investor I’ve spoken with. Like me, he’s in his mid-40s, and while working in the tech industry he went through the dotcom bankruptcy of 2000. After that, he experienced the real estate recession from 2008 when he was engaged in the real estate business. As a manager of capital, it is better to be a prudent man…
I noticed someone over the weekend. wrong on the internet. Anthony Pompliano He is a cryptocurrency fan with a huge following (1.6 million) on Twitter. As the tweet above (X?) shows, he made a beginner-like mistake looking at his S&P 500 performance. he omitted the dividend, thereby ignoring most of the profit. i answered1 In response to that tweet, I politely pointed out that a colleague of mine said: Ben Carlson previously stated, “Since 1928, stock market returns, including dividends, have been 70% higher It’s not just the stock price return. ’ In fact, dividends are the main reason to…
Are you the type whose glass is half full or half empty? Individuals tend to be naturally biased toward optimism or pessimism, and this bias can influence retirement timing and wealth. Is your glass half full of water or half empty? Experts believe that a prejudice to optimism or pessimism is about 25% genetic, but strongly influenced by upbringing, relationships, schoolability, and other early successes and failures. It also depends on your age.a study We found that optimism generally increases through young adulthood, levels off between the ages of 55 and 70, and then slowly declines again. (Yes, it roughly…
4. Keep Old Credit Lines Open It’s important not to close old lines of credit, even after paying them off. Closing inactive accounts may sound like a good idea, but it can increase your credit utilization, which can result in a lower credit score. 5. No new debt When applying for a mortgage, the less debt you have, the easier your life will be. FICO recommends that you do not open new credit accounts to increase your credit utilization, as each credit request can lower your credit score. Once your credit score improves, you have 30 days to rate your…
Weave a story about Thabo in Spendville. Well, Turbo was a pretty spendthrift, especially when it came to food. But that’s where Penny Pincher’s relato with the green thumb comes in. One day, she saw Thabo and said, “I don’t think you can grow your own vegetables for a month. If you cook delicious food, I’ll cover your food expenses for a month. Otherwise, you’ll be joining my frugal camp.” Thabo was reluctant at first, but then thought, “Why don’t we give it a try?” So he rolled up his sleeves and started a mini vegetable garden on his balcony.…
Downloading this episode as an audio podcast is one of the fastest we’ve seen, with over 30,000 views in the first few days and counting. There will be over 45,000 by the end of this week. YouTube videos are on pace to achieve similar numbers. Combine the two of these and you’re talking about him being one of the biggest audiences in the financial industry for his episodes of the podcast. We do this every week. The platform we’re building to showcase the best investment opinions is second to none. You are one of them, and you have spent the…
prologue Over the past several years, we’ve analyzed dozens of investment strategies in each of the public and private markets, including merger arbitrage and private equity, and one common theme has emerged. Most of the products described in over 300 research papers simply offer exposure to the stock market with complex wrappers. When the tide goes out, your exposure to risk is the same everywhere. This phenomenon can be demonstrated in various ways. The most common approach is simply to perform factor exposure analysis. Investments advertised as providing uncorrelated returns often exhibit high betas to the stock market, highlighting their…
