Building monthly cash flow
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If you need monthly cash flow and your current investments are making you buy bad peanut butter check out promissory note investing for better monthly cash flow. Great investment for retirees.
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Building monthly cash flow
- 1. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Who are we? • We ARE • Equity Funding of Washington, LLC Virginia Rogers, Austin Kathleen Davison, Phoenix Fred Boyd, Phoenix • Careful and High-Service • Experienced, successful Real Estate Investors • Experienced Note Buyers • Shopkeepers and Educators- • we sell out of our portfolio to knowledgeable buyers. • We ARE NOT • Brokers- • No fees • no commissions • Realtors • Shills • Lawyers* • Accountants*
- 2. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Building Monthly Cash flow with the Nest Egg you have Fred Boyd, Ph.D. Equity Funding of Washington, LLC
- 3. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Q: How do I have enough money to enjoy my retirement? • When will I die? 2013+43 = 2056 • Inflation?? • Social Security? • Pension? • Monthly living expenses- Fun? Travel? Food? • Legacy- Do I leave anything to my heirs? • Current Capital- Is it enough?
- 4. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Everyone’s getting older (or dying)
- 5. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Everyone’s getting older (and living LONGER)
- 6. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Everyone’s getting older (or dying)
- 7. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Inflation? • 4 out of last 11 decades inflation was over 5%
- 8. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Everyone’s getting older (and VOTING)
- 9. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Social Security? • Inflation?? • Social Security? June 2015 Beneficiary Data Retired workers 39.5 million $1,335 average monthly benefit
- 10. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Social Security? • Inflation?? • Social Security ? Indexed to inflation- Short of our happy place $16,260 per year (average)
- 11. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com What’s today’s American Pension look like? • Inflation?? • Social Security • Pension? o About 50% of retired Americans have a pension o Average income is $15,784 per year
- 12. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com How do I have money to enjoy my retirement? • Inflation- 2-10% per year • Social Security- $16,260 per year • Pension- 50% of Americans- $15,784 per year Both get you about $32,000 per year • Monthly living expenses- $34,000-56,000 Young retirees need another $2000/month
- 13. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Can I build more monthly cash flow now? Long Term- 20 years Predictable- Want it there every month About $2000 per month ($24,000/yr) Stocks- not predictable Bonds- CD- $400,000 investment in a CD ladder Annuity- $350,000 money’s gone when you die Promissory Notes- $140,000 Inflation?? Social Security? Pension?
- 14. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Pros and Cons • Stocks o No ”security” o Liquid o Volatile o 7% average, 5-10% long- term yields o Up and downs • Bank CDs o FDIC insured o 1-2% yield o Not current income o Ladders optimize yield and give you annual money to spend • Promissory Notes o Backed by real estate o Less volatile than stocks o 6-10% yield o Monthly mailbox checks o Can require some work (foreclosure)
- 15. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Past Year Forever Stock Market Volatility
- 16. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com 1.3% 1.5% 1.8% 2.1%
- 17. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Do You Want to Feel Like This at 50+ ?
- 18. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Why Notes? The Surge of Growth Ahead!www.EquityFundingofWashi ngton.com
- 19. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com What is a Note? www.EquityFundingofWashi ngton.com
- 20. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Loan Amount: $100,000 Term: 390 mos. Payment: $878 TERMS OF AGREEMENT: Interest Rate: 10% Signed : Home Buyer www.EquityFundingofWashi ngton.com
- 21. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Buyer Seller Down Pmnt: $10,000 $100,000 Note Mortgage Lender Loan: $100,000 Total Purchase Price: $110,000 Investor Monthly Payments
- 22. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Joe LaCount Rogers, MN Note Investor www.EquityFundingofWashi ngton.com
- 23. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Current Market Value: $42,000 Case Study: #1 Ocala, FL Manufactured Home – Double-wide with Land 3Bed/2Bath, 1,368 Sq Ft. www.EquityFundingofWashi ngton.com
- 24. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Value$42,000 The Property Secured by the Property MORTGAGE NOTE Original Loan Amnt: $33,000 Interest Rate: 10% Term: 240 months Monthly Pmnt: $318.46 MORTGAGE NOTE www.EquityFundingofWashi ngton.com
- 25. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com JAN FEB MAR APR MAY JUNE JULY AUG SEP OCT NOV $64,554203 Times =$318.46/mo $64,687 Total Effective Annual Interest = 10% MORTGAGE NOTE
- 26. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Home Owners/ Borrowers Anxious Money Investor
- 27. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com HAPPY Retiree
- 28. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Q: How do I have money to enjoy my retirement? • Inflation- 2-10% per year • Social Security- $16,260 per year • Pension- 50% of Americans- $15,784 per year Both get you about $32,000 per year • Monthly living expenses- $34,000-56,000 (age 70-50) • Legacy- Average estate $117,000 A: Grow your monthly cash flow by about $2000
- 29. Copyright Equity Funding of Washington, LLC, 2016www;.equityfundingofwashington.com Other Topics • Tax-Advantaged investing through your Self-Directed IRA • Performing vs Non-performing Notes • Partials (buy just the front-end of a Performing Note) • Non-performing Notes as your response to the Mortgage Crisis • Note Manufacturing- Selling Property with Seller Financing
Editor's Notes
- Here it is how it looks every month. Dr Speed. You are a renowned brain surgeon in the area. You make a mortgage payment, right? So you know how much money the bank is making off of you EACH TIME you make your monthly mortgage payment, right? Let’s be honest about it, because not a lot of people know how much the bank is making! That is why there are not many people in this line of investment because they think the mechanics is too complicated!! Let me show you how much the bank is actually making.