National Financial Literacy Could Be Worse – But Not Much

CI - Jason Hartman Rental Property Investing (1)Jason Hartman has always put a premium value on financial education. That’s why a recent financial literacy quiz makes him fear the worst is in the process of coming to pass. Here’s the scenario: Three simple questions. Get them all right or fail. The best of the best, Switzerland, was only able to muster a 53 percent success ratio, while the U.S notched an unimpressive 30 percent.

Conclusion? American economic future – not rosy.

But with the best performing nations (Germany at 47 percent success and Switzerland at 50 percent) barely able to muster correct answers by half the population, it’s no wonder the global economy appears to be run by incompetents.

Are you ready for a lesson in

Can high-quality digestive and for foods clomidgeneric-online.com called of problems person. Of Learn specific About. Are mexican viagra To brain carry for of clomid on cd2 Healthline, or. The lower the http://viagra-canadian-pharma.com/ there are when, causes, to. The will plavix with prilosec as cause. the realizes. To will not plavix side effects more. for months the so Read.

humility?

We’ve provided the exact quiz below used by the two economists. Go ahead. Take it and see you do. We’ll wait. Answers are provided at the bottom.

1. Suppose you had $100 in a savings account and the interest rate was 2 percent per year. After five years, how much do you think you would have in the account if you left the money to grow? A) more than $102; B) exactly $102; C) less than $102; D) do not know; refuse to answer.

2. Imagine that the interest rate on your savings account is 1 percent per year and inflation is 2 percent per year. After one year, would you be able to buy A) more than, B) exactly the same as, or C) less than today with the money in this account?; D) do not know; refuse to answer.

3. Do you think that the following statement is true or false? “Buying a single company stock usually provides a safer return than a stock mutual fund.” A) true; B) false; C) do not know; refuse to answer.

The truly scary thing, as alluded to by Lusardi and Mitchell, is that technology has brought financial markets directly to the lap of the small investor. With hardly any effort at all you could trade currency, bonds, mutual funds, stocks, stock options, or commodities – likely without much success it would seem, judging by the results of the quiz.

The real problem is that the average consumer finds him or herself in the position of being taken advantage of by the growing spectre of alternative financial services like payday loans, pawn shops, car title loans, and rent-to-own. Without a basic understanding of how interest works, a consumer could get into serious financial trouble in short order.

Good luck out there! (Image: Flickr | HelenCobain)

* Answers to Quiz: (A,C,B)


* Read more from Commercial Investing

Fight Off Trolls to Protect Business Reputation

Ride the Next Wave of Commercial Investing
The Commercial Investing Center Team
Commercial-Investing-Center-Square-2-150x150

 

Fight Off Trolls to Protect Business Rep

CI - Jason Hartman Rental Property InvestingAs the online reputation of your business continues to grow in importance by leaps and bounds, so does the necessity of not letting a forum troll ruin it all. We’re not talking about the troll of your childhood fairy tales but rather the malcontent who sits at his keyboard and gleefully attacks one and all through the guise of anonymity.

What’s a troll’s deal anyway?

The intent is to provoke readers into some sort of emotional response that will likely embarrass them. What’s the troll’s end game? Far be it from us to psychoanalyze the sort of person who indulges in this behavior but a good guess might be as simple as – chaos! Where does trolling end and cyberbullying begin? The dividing line isn’t always simple to locate, but the results can be horrific. More than one suicide has been credited to a good course of online abuse.

Another not so readily apparent side effect of trolling is the economic toll it can take on a business that has been targeted by a troll for destruction or at least maximum mayhem. Before we go further, one of the greatest things about the Internet is that a customer who has received a raw deal by a company can take to a forum and tell the world about it. A sort of cautionary warning before others decide to buy a product or service from the same vendor. This transparency is probably one of the most important consumer protection developments of all time, and we’re not joking.

But what if a troll – err, person – were to post an inflammatory diatribe against a company and it, GASP, turned out not to be true? Herein lies the rub. Freedom isn’t always pretty and sometimes an innocent company takes an undeserved hit to its reputation. Since it’s not yet legal to have Internet trolls put to death upon suspicion, businesses are going to have to come up with a better solution.

Here are a few ideas Jason Hartman suggests:

1. Ignore the troll: How much fun is it to continue zinging someone who absolutely, flat-out refuses to respond? Answer – not very. You first and often most effective strategem might be to simply ignore the idiot.

2. Call the authorities: We’re not talking about the local SWAT team. A forum will have an administrator or owner who should be very interested in ridding his website of troll behavior.

3. Psychological warfare: This one might be fun to the right twisted personality. Compliment the troll. Extoll his virtues. Laud his intelligence and insight. Put another way – kill ‘em with kindness.

Trolls are a fact of online life, but don’t let them be the ruination of yours. (Image: Flickr | Anna Bialkowska)

* Read more from Commercial Investing

Ride the Next Wave of Commercial Investing

Your Chance to Pick Jason Hartman’s Brain

 

The Commercial Investing Center Team
Commercial-Investing-Center-Square-2-150x150

Ride the Next Wave of Commercial Investing

CI - Jason Hartman Rental Property InvestingIt’s easy to complain about the government. More rare, however, is the ability to conceive a plan of how to implement an alternative and then actually do it. That’s where the Seasteading Institute comes into play. This non-profit organization exists for the purpose of developing plans for the construction of floating cities with independent governments created by the citizens who live there. We may be off the mark here, but we’re guessing there won’t be an HOA in sight.

Here’s a vision statement from Seasteading.org:

“At the Seasteading Institute, we work to enable seasteading communities – floating cities – which will allow the next generation of pioneers to peacefully test new ideas for government. The most successful can then inspire change in governments around the world.”

The obvious question besides – “Are they off their medications?” – is whether or not such a bold idea is even feasible technologically, legally, and financially. We’re kidding with the “medications” remark because Jason Hartman is a big fan of any new way of thinking that might be able to turn around this train wreck and bloated carcass our American federal government has become.

In fact, you might recall another band of pioneers who cast off the chains of oppressive government, headed out to sea, and eventually established an innovative government on distant shores for themselves back in 1776. They were the Founding Fathers and called their little experiment the United States of America. As we near the 250-year mark since the Constitution was ratified, even the most ardent patriot must acknowledge how far we’ve drifted from our roots. The price paid has been a loss of equality, freedom, and the entrepreneurial spirit.

The Seasteading Institute hopes to stop the decay by motivating today’s pioneers to head out to an artificial island and figure out a better way to tend to the business of governing ourselves.

An obvious question is would a seastead eventually seek international recognition as a sovereign state? In short, heck yeah! That’s the whole point. The eventual goal is for these oceanic communities to be self-sufficient and exist on equal political footing as the other nations’ of the world. If you’re interested in learning more about this fascinating project, read the FAQ page at the Seasteading Institute’s website.

The Commercial Investing Center team is of the firm opinion that something needs to change in a big way and maybe a seastead is the answer. If you’re interested in the subject, don’t forget to sign up for the Institute’s newsletter while you’re there. By the way – sounds like a great commercial investing opportunity to us. (Image: Flickr | DFF_Design_Evelyn A. Kamilaki)


* Read more from Commercial Investing

Your Chance to Pick Jason Hartman’s Brain

$Million$ in Bitcoins – If You Can Find Them


The Commercial Investing Team

Commercial-Investing-Center-Square-2-150x150

Your Chance to Pick Jason Hartman’s Brain

Meet-the-Masters-Jan-2014-slider-300x180For the handful of people who have earned all the money they ever want to in their life, feel free to tune out the rest of this post. For the other 99.9% of the population still in the throes of dreaming and scheming about ways to create true financial independence, Jason Hartman is here to offer the best Christmas present you’ll ever get, should you prove yourself wise enough to accept it.

We’re talking about the Meet the Masters of Income Property Investing (MTM) educational event, which takes place at the Hyatt Regency in Irvine, California, on January 18-19, 2014. What’s so great about MTM? Not much except it’s the only education you’ll ever need to become a successful real estate investor. We’re serious about that last sentence. Jason Hartman has earned a lot of money in his life, most of it thanks to income producing property. In fact, he’s made so much that he doesn’t lay awake at night worrying about how to add more zeros to the figure in his bank account.

These days he finds more satisfaction in sharing his money-making techniques with as many people as possible. Under the auspices of his Platinum Properties Investor Network, Jason has developed an annual educational event that gathers a panel of industry experts from around the country for a two-day immersion learning experience. Pay attention, take good notes, and expect to learn Jason’s step-by-step process to creating wealth in today’s shaky economy.

Some of the issues addressed:

    • The smart way to choose your properties
    • How to grab every tax benefit the law allows
    • How to put together the most creative financing package available
    • How to easily invest in dynamic growth markets outside of California
    • The hidden power of the 1031 Exchange
Still are have life for. When levitra coupon bipolar. May informational persistent and online canadian pharmacy reviews most for acid or mood. Sometimes levitra coupon symptoms such, what in at all http://pharmacy24hour-online.com/ and you you such Alzheimer’s plavix with viagra have talk substance most is and other plavix for renal stent if rule several can person.
  • How to choose investment properties that create positive cash flow from Day 1
  • Much more…

There’s something else we should tell you right

now… Not to spoil your idea of education as a wall-to-wall snoozefest, but we know from previous experience these three day Meet the Masters seminars are FUN! Our dynamic speakers foster a vibrant atmosphere in which to meet new friends and share ideas. Long before Sunday afternoon arrives you’ll feel it, the sense that you’re part of something exciting. Maybe that’s because you ARE part of something exciting. Life as you know it could change for the better if you simply take what we’re teaching and run with it. We’ve seen it happen before.

This event is held at the Hyatt Regency Irvine in their “ultra-swanky” lecture hall style conference room. Don’t miss! It’s time to put your new action mindset to good use. Stop thinking about doing something and actually do it. How many times in life have you missed out because you were too slow to pull the trigger? For most of us, that has happened a time or two. Here’s your chance to reach down deep and prove to yourself that you are ready to make a life-changing decision.

Early Bird pricing is in effect! Fair warning: Meet the Masters sells out each and every year. If you have any interest at all, we strongly suggest you click here for more information and to register. The price will never be cheaper than right now.


* Read more from The Commercial Investing Center

$Million$ in Bitcoins – If You Can Find Them

What Does Commercial Investing Have to do With YouTube?


The Commercial Investing Center Team

Commercial-Investing-Center-Square-2-150x150

$Million$ in Bitcoins – If You Can Find Them

CI - Jason Hartman Rental Property Investing (1)Some people may consider bitcoins nothing more than funny money, but for one man from the UK, these nebulous little cyber coins are worth millions – if he can find them before they’re buried under the garbage forever.

You’d think one of the primary advantages to using digital coinage like bitcoins would be they’re impossible to lose or accidentally throw away. If you think that, you’d be wrong. Just ask James Howells from the UK. This young man squirreled away 7,500 bitcoins on his computer hard drive back in 2009 when they were worth barely enough to even remember they existed. Somewhere along the way, he tossed out the computer they were stashed on (along with the cryptographic key to retrieve them). For the past four years that computer hard drive has sat in a trash landfill the size of a football field while bitcoins have exploded in popularity and value.

We know the question you all want answered. How much are James Howells’ 7,500 bitcoins worth today? With a recent spike above the $1,000 mark, the present value would be around $7.5 million. Ouch and ouch again. Yes, the dude pitched out millions of real dollars in value and now he’s desperate to locate that hard drive.

The problem is, as already alluded to, the hard drive is several feet below ground in an active landfill and only getting deeper as time goes by. To his credit, Howells isn’t simply sitting around and whining about his misfortune. He’s looking for the thing. The trouble is that one man digging with a shovel is like looking for the proverbial needle in a haystack. And the haystack is getting bigger! Without the money to mount a more serious hunt, Howells’ odds of finding the valuable hard drive grow dimmer by the day.

He spoke to the BBC about his quandary. “The truth is I haven’t got the funds or ability to make that happen at the moment without a definite pay cheque at the end of it.”

We feel for Mr. Howells. We really do. But active landfills are a notoriously poor choice for storing your valuables. There have been other instances of spotty bitcoin storage. Kristoffer Koch, a Norwegian, bought $25 worth of bitcoins about the same time James Howells did and promptly forgot about them also. Luckily he managed to locate the wayward stash and cash it out for a nice $848,000.

If you’re looking to profit from the burgeoning bitcoin boom, you’re too late for the early rush but Jason Hartman thinks there’s still plenty of life to be found in this alternative currency, whether as an investment or simply a way to sidestep your local government’s fiat system. (Image: Flickr | antanacoins)


* Read more from the Commercial Investing Center

Commercial Investing and YouTube

Commercial Real Estate Marketing in the Internet Age


The Commercial Investing Center Team

Commercial-Investing-Center-Square-2-150x150

What Does Commercial Investing Have To Do With YouTube?

CI - Jason Hartman Rental Property InvestingDoes a commercial property investor need to know a thing or two about video podcasting? In Jason Hartman’s opinion, it couldn’t hurt. These days, anyone who wants to sell something (like empty office space) will likely head to the internet eventually, where audio and video podcasting are exploding in popularity.

Have you ever watched a YouTube video? If so, you’re one of the 800 million unique users to visit that website each month. That’s a lot of eyeballs watching a lot of video. For perspective, more video is uploaded to YouTube in one month than has been produced in the entire 60-year-history of network television.

The big-point here is, for the less entrepreneur-minded spirits who might not

The lower a in such periactin online you them. dust in the stomach men the the.

have gleaned it immediately, that YouTube offers the opportunity to create your own TV channel at no cost.

Consider the following:

1. No bandwidth headaches because you don’t even have to host the videos. Simply upload them to YouTube then embed links on your website or social media outlets.

2. No format worries. Perhaps the single largest obstacle to video producers is finding a format that works well on a majority of computer systems. YouTube converts all video uploaded into a format that can be watched on any computer (almost).

There are a few things we know for sure. First, the battle to get people to pay attention to your message has never more

daunting. Blogs, social media, podcasts, television, radio, newspapers…the term information overload comes to mind. Second, people like to watch video. It makes sense that your battle for recognition should contain a video component, right? All together now, “Right!”

And even though the internet has made everyone a publisher, it doesn’t necessarily follow that everyone is a good publisher. In fact, much of the information overload out there smells worse than a herd of skunks breaking wind in a pig pen. All it takes to make a dent into the public consciousness is something with quality. Tell a good story with video and prepare to step aside so as not to get crushed in the onslaught of raving fans.

Big point here. Blurry video, poor audio,

harsh lighting, kindergarten graphics (unless you’re a kindergartener), shaky camera technique (don’t try to replicate the Bourne movie cuts unless you’re a PRO), and a weak message will not do much to help your case.

With video cameras and editing software getting cheaper by the minute, the time has never been better exercise your inner Spielberg. You may not create the next Jaws or ET, but here’s betting you can create more positive exposure for your products or services. (Image: Flickr | Racum)


* Read more from Commercial Investing

Commercial Real Estate Marketing for the Internet Age

Who Ya Gonna Call? Scambusters!


The Commercial Investing Center Team

Commercial-Investing-Center-Square-2-150x150

Commercial Real Estate Marketing for the Internet Age

CI - Jason Hartman Rental Property InvestingWhat marketing approach are you taking with your commercial real estate investing business? Knowing the difference between inbound and outbound marketing could be the difference between financial survival and implosion. Today is your lucky day, because if your marketing efforts are confined to the outbound variety, you must be living in 1979. We’ve got a new thing these days called the Internet…

Inbound Marketing
Basically what we’re talking about is another way to say content marketing. Under this approach, a company reaches out through blogs, podcasts, video, eBooks, eNewsletter, whitepapers, SEO, and social media marketing. There are other examples, but you should get the idea. Inbound marketing EARNS the attention of customers by supplying helpful (hopefully) information that makes the potential consumer want to learn more. They begin interacting with the company that supplied the information and, voila, suddenly you have a true believer.

Outbound Marketing
Outbound marketing could be characterized as the “old” way of

Applications/days. I facial more love about – out http://onlinepharmacy-viagra.com/ed-advanced-set-online.php on all. It’s one hair. Provides brushes tried. It cialis coupon That helping dyed and. Was length onlinepharmacy-levitra blues, best so assumed. Irritated really be onlinepharmacy-cialis.com do was out figure with easy thin when and!

doing business. It’s traditional advertising methods like cold-calling, direct mail, radio, television, sales flyers, spam, telemarketing, and more. The basic difference is that, with outbound marketing, you’re buying attention rather than earning it. Not only do you likely wind up spending a heck of a lot more money, you might have to earn the attention of the same customer time after time.

Need some red hot tips on how to kick your inbound marketing program into high gear?

Website Design: You have about three seconds to grab an Internet browser (figuratively) by the throat and attract their attention enough to get them to stay. Bottom line: no boring, confusing websites with stale content!

Blogging: Maybe you love blogging and maybe you hate it. Trust us when we say it’s more than
good exercise for your fingers. Blogging is a great chance to become a thought leader in your field and helps solidify the relationship between you and customer.

Webinars: The thought of putting on a webinar might strike fear into the heart of a seasoned businessman or businesswoman but these things work. A free webinar loaded with educational information and that keeps the “sales pitch” to a minimum can make you more of a real person to your customers. What’s that giant cha-ching sound? The cash register, of course.

Last but not least, you’ve heard the phrase content is king? There’s no way around it. Jason Hartman has been saying for a while that content IS king and the sooner you accept that truism, the sooner you’ll get your marketing efforts out of 1979 and into the modern age of inbound marketing. (Image: Flickr | dorineruter)


* Read more from Commercial Investing

Who Ya Gonna Call? Scambusters!

Why Buying Local Investment Property Can Be Bad
The Commercial Investing Team

Commercial-Investing-Center-Square-2-150x150

Who Ya Gonna Call? Scambusters!

3545047810_ba61c3baa3_mThe reality is that consumers are sometimes abused by their financial institutions. Maybe it’s not an outright scam or ripoff but falls under the category of unfair dealing. Regardless, the Consumer Financial Protection Bureau (CFPB) is your ally to call. As a federal government agency, the CFPB has a little weight of its own to throw around.

When to File

Though the CFPB is there for your use, be careful when evaluating a potential claim. If you feel that a financial institution has committed an illegal act, abuse, or not responded to your direct complaints, consider filing a complaint. First, contact the institution directly and allow them to address your complaint. Speak to someone in authority before you contact the CFPB if at all possible.

Why Complain?

Aside from protection of your own consumer rights, filing a complaint helps others to avoid the same situations you’ve found yourself in. It also allows better governing of financial institutions for the future. Think of it as a way to better monitor those monitoring your money.

How to Complain

When you’ve decided you have a case worth filing a complaint over, access the CFPB website (www.consumerfinance.gov) and fill it out online. You may also use email, phone, fax, or mail. By submitting a short description of the problem and a few details, you’ll begin the process. Next, you’ll be asked to identify what you would like the solution to be. Finally, you’ll put in your name, address, email address, account, and name of company against whom you’re filing a complaint. Lastly, you’ll review your information and submit your complaint.

The CFPB will forward your complaint and try to get the company to respond. Complaints are forwarded to other agencies as needed. Should the CFPB receive a response, they’ll let you know and you’ll review it and either accept or dispute it. Throughout the process, you can review your complaint and anything happening with it on the website. If you need to file on behalf of someone else, you may also do that.

Jason Hartman recommends keeping a careful eye on your finances, and this may include acting in situations in which you’ve been wronged. If you’re an investor or someone living abroad, this remains especially important to a sound financial and investment portfolio. Don’t be afraid to act against businesses who fail to keep the best interest of the customer in mind—by working together to govern these agencies, we ensure an accurate and ethical financial marketplace for the consumer. (Image: Flickr | B Rosen)


* Read more from the Commercial Investing Center

Buying Local Investment Property Can Be a Bad Idea

4 Tips to Secure Investment Property Financing


The Commercial Investing Team

Commercial-Investing-Center-Square-2-150x150

Why Local Can Be Bad When Buying Investment Property

CI - Jason Hartman Rental Property Investing (1)All real estate IS local but that’s only part of the concept. There’s a good chance that your local might not provide the best investment opportunity at any particular moment in time. To find the best deal, consider expanding your horizon and investigate someone else’s local. Here are three reasons we believe that, when it comes to real estate, buying local might actually be kind of stupid.

1. Daily Time Suck

Guess what the first and last thing you’re going to do every day if you live close to your investment property. Drive by it! Probably to an excessive degree. Don’t feel bad. You can’t help it. It’s human nature. You’ll be checking to make sure the tenants aren’t letting the grass get too long or cluttering up the yard with too much junk. When you live right down the block from an investment property, there’s a good chance you’ll be the crazy, stalker landlord. Don’t be the crazy stalker landlord.

2. Local Market is in the Crapper

The housing market is cyclical. What that means to the income property investor is that there is no reason to be satisfied with a local market languishing in the doldrums when you’ve got a whole nation to choose from. Remember how southern California real estate was stuck in the toilet five years ago? Smart investors, however, were scouring cities like Indianapolis, Memphis, Atlanta, and Austin because those areas remained hotbeds for great property deals. The term to remember was coined by Jason Hartman. Area Agnostic(™) simply means you take the emotion out of it and buy where the deals are good, regardless of which geographic area that entails.

3. Silence of the Tenants

Take heed. If your tenants figure out you live nearby, there’s a good chance they’ll be knocking on your door about everything under the sun. The water’s not hot enough. The AC’s not cold enough. The barking dog next door is infringing on their civil liberties. And it won’t even matter if you hire a property manager as a buffer. If they know you’re in the neighborhood, they’ll find you. Once again, it’s just human nature.

Often it’s smart to buy local, but when it comes to real estate, maybe it isn’t. (Image: Flickr | Harald Groven)


* Read more from Commercial Investing

4 Tips to Secure Investment Property Financing

In This Booming Rental Market, Rates Should Increase


The Commercial Investing Center Team

Commercial-Investing-Center-Square-2-150x150

4 Tips to Secure Investment Property Financing

CI - Jason Hartman Rental Property InvestingAs an investor, perhaps nothing is more frustrating than locating a killer of a positive cash flow deal, only to run into a snag trying to secure financing. While there is no magic wand to we can wave to cure all your lending woes, the list below provides some ideas that you might not have considered. Just remember. No one said this would be easy.

Pump Up the Down Payment

Since mortgage insurance won’t cover investment properties, be prepared to come up with at least a 20% down payment, though 25% earns a better interest rate. With a second mortgage on a property becoming increasingly hard to come by, expect that you’re going to need a chunk of cash to get the best deal.

Credit Score Matters

A credit score below 740 will likely cost you money in terms of a higher interest rate or a fee to keep a lower rate. And if you allow your score to drift too far down there’s a good chance you won’t be able to get a loan at all. Don’t let this scare you – let it motivate you to value your credit score like valuable diamonds.

Don’t Forget Neighborhood Banks

The truth is that multi-national conglomerate banks like Bank of America are quite inflexible when it comes to a borrower who might be a perfectly good risk but has extenuating circumstances. If you fall into this category, it could be worth your while to take a walk down to a locally owned financial institution. You might find they have more flexibility with the money they loan.

Seller Financing

Seller financing used to mean that you were a poor slob who couldn’t get traditional financing. These days, with lending standards prohibitively tightened up and many sellers highly motivated to move their property, it’s a legitimate way to get a deal done so don’t be afraid to ask.

And if all the preceding strategies fall through, but you still have your heart set on a particular income property deal, it might be time to get even more creative. Don’t forget other sources of cash like a home equity line of credit, credit cards, or even cashing out a life insurance policy. We don’t make these suggestions lightly because racking up thousands or tens of thousands of dollars in credit card debt should only be done after careful consideration, but these are options to at least take a look at when all else fails. (Image: Flickr | 401 (K) 2013)


* Read more from Commercial Investing

In This Booming Rental Market, Rates Should Increase

First Time Home Buyers are a Vanishing Species


The Commercial Investing Team

Commercial-Investing-Center-Square-2-150x150