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Real Estate IRAs: Secrets Revealed – Part Three
Maximize Your Contributions: Write Off Up To $50,000 in Taxes This Year Using IRAs By: Dick Desich Hi, ! Below you will find the third, and final, part of the Real Estate IRA Report. In this installment, you will learn about maximizing your tax deductions, estate planning and asset protection. Make More Now, But Owe Less in Taxes: Save and Shelter up to $50,000 in Income Every Year, PLUS Get a 100% Deduction In addition to letting you experience the “true” power of compound interest, many IRAs can reduce your taxable income as well. As savvy investors, individuals who self-direct their IRAs to invest in real estate or other alternative assets will want to maximize the contributions they are allowed to make toward their retirement.Most people are aware of the Traditional and Roth IRAs. However, they may not be aware that government-sponsored retirement plans are also available for self-employed individuals and small business owners, in addition to their Traditional or Roth IRA. Real estate investors need to realize that they are eligible to take full advantage of small business retirement plans created by the federal government. These plans are as easy to set up as Traditional or Roth IRAs. Once established, they become similar to Traditional and Roth IRAs, yet allow individuals to contribute considerably more than the $4,000 limit which took effect in 2007 for those two plans. If you are interested in receiving greater deductions, a SIMPLE IRA, SEP IRA or Individual(k) may be right for you. With these plans, real estate investors can contribute up to $50,000 annually to their self-directed IRAs and receive a tax write off for that contribution! Which Plan is Right for You? - The SEP IRA (Simplified Employee Pension Plan) -The Simplified Employee Pension Plan (SEP) enables individuals to contribute the most toward their own and their employees’ retirement. An employer may contribute up to 25% of each eligible employee’s annual compensation with a maximum of $45,000; only income up to $225,000 can be considered. The employer is allowed to make contributions annually, but is not required to contribute each year. Your spouse and children may also participate in the plan and open their own SEP IRAs – as long as they are employees of the company and meet the income requirements. - The SIMPLE IRA (Savings Incentive Match Plan for Employees) - We often recommend that investors who receive less than $50,000 in annual compensation choose the SIMPLE. This will allow them to contribute the maximum amount to their IRA. Another favorable point about this plan is that, if you have employees other than your family, as the employer, you are only responsible to match if the employee contributes funds first. In addition to these benefits, after two years, you may be able to convert your SIMPLE IRA to a Roth IRA. With a SIMPLE plan, employees can choose to make salary reduction/deferral contributions directly into an Equity Trust SIMPLE IRA, rather than receiving these amounts as part of their regular salary. There is a maximum employee contribution of $10,500 if you are under age 50, and $12,500 if age 50 and over. In addition, the employer contributes matching funds (up to 3%) into their employee’s SIMPLE IRA at Equity Trust. Your spouse and children may also participate in the plan and open their own SIMPLE IRAs – as long as they are employees of the company and meet the income requirements. - The Individual(k) or Solo(k) Plan - The Individual(k) plan, also known as Solo(k), is only appropriate for a sole proprietor or a business (either a partnership or a corporation) in which only the owner(s) and spouse(s) will be covered by the plan. It must be the only plan maintained by the business, and the business cannot be considered part of a controlled group under tax law. Two components comprise the maximum Individual(k) plan contribution: an employee salary deferral contribution and an employer profit sharing contribution. The employee is able to contribute up to $15,500 through salary deferral, although this may not exceed 100% of pay. The employer profit sharing contribution limit is up to 25% of pay, or 20% for self-employed. There is a total contribution limit, from both sources, of $45,000, and only income up to $225,000 can be considered. However, under a “catch up” provision, individuals age 50+ may contribute an additional $5,000 in salary deferrals beyond the $15,500, allowing for a total contribution limit of $50,000 in 2007. Remember, spouses are eligible to open their own Individual(k) account if they have separate income and are covered in the plan. - Other Tax-Advantaged Investment Plans - The new Health Savings Account (HSA) can help slash your health insurance premiums by as much as 70%, and HSA contributions are tax-deductible (subject to limitations). Set aside funds in your HSA to pay current and future medical expenses. An individual may contribute up to $2,850, and a family may contribute up to $5,650 annually for 2005. The Coverdell Education Savings Account (ESA) is a trust or custodial account created only for the purpose of paying the qualified education expenses of the designated beneficiary of the account. When the account is established, the designated beneficiary must be under age 18 or a special needs beneficiary. The annual contribution limit is $2,000 for each beneficiary, no matter how many Coverdell ESAs are set up for that beneficiary. Contributions are not tax deductible, but amounts deposited in the account grow tax free until distributed. A Real-Life Example of Maximizing Contributions AND Tax Write Offs Using Self-Directed Retirement Plans Let’s look at an example of how an entrepreneur could considerably lower his/her taxable income utilizing IRAs.The Smiths are a family of four living in Any Town, USA. John Smith has a business that involves investing in houses. He employs his wife, Mary, and their two children. Between the four of them, the family has a $70,000 annual income. In order to maximize their contributions to an IRA and lower their taxable income, they have chosen to have both a Traditional IRA and a SIMPLE IRA. The SIMPLE IRA is one of the small business retirement plans (the others being the SEP and the Individual(k)) offered by Equity Trust Company to clients who are business owners. John and Mary each take $25,000 in income and each of the children is paid $10,000 by the business. John and Mary each make $4,000 contributions to their Traditional IRAs and $10,000 to their SIMPLE IRAs. (We will assume that the Smiths are both younger than 50; if they were older, they would have been allowed a “catch-up” contribution of $500 more in each of their Traditional IRAs and $2,000 in each of their SIMPLE IRAs.) Their total IRA contributions are $28,000 and their taxable joint income is $22,000. The children could actually shelter all of their income, but instead we will say that they each make $2,000 contributions to their Traditional IRAs and $7,000 to their SIMPLE IRAs, leaving $1,000 each in taxable income. By utilizing multiple IRAs, the Smith family has been able to effectively lower their taxable income from $70,000 to $24,000, a reduction of 66%! More importantly, the family has made $46,000 in IRA contributions at Equity Trust. Now that they have these funds available in the tax-deferred environment of an IRA, the Smiths can optimize their real estate investing strategies. Protecting Your Hard-Earned Assets Using Self-Directed Retirement Plans Unlike qualified plans, IRA regulations pertaining to asset protection are created at the state level. In most states, IRAs have considerable protection against most creditors (excluding the IRS and your spouse). By naming beneficiaries for your IRA, you can ensure that your assets are passed directly to your loved ones or causes that are close to your heart, thereby avoiding probate nightmares. Powerful Estate Planning Tool: Making Your Child or Grandchild a Millionaire Most investors are attracted to the immediate advantages an IRA offers, such as tax-deferred/free compounding and the ability to reduce their taxable income. What they don’t realize is that IRAs are also excellent tools for planning for the future.You might, for instance, have a newborn in the family and would like to give him or her a head start. Or you may just be enjoying your retirement and would like to plan your estate. IRAs offer considerable advantages. Here is an example that illustrates the benefits of an IRA. You can actually make your child or grandchild a millionaire with just $2,000. That may sound too amazing to be true, but the numbers don’t lie. If you make JUST ONE contribution of $2,000 on the child’s first birthday to his/her Roth IRA, and achieve an annual rate of return of 10%, by the time he/she turns 67, the account will be worth $1,078,816. SUMMARY We hope that you have found the information presented in this report valuable. As you already know, investments and sound financial planning can make a huge difference in the enjoyment of your retirement years and the future security of your family.However, very few people are aware that they can make a self-directed IRA investment in real estate or other alternative assets. Most IRA custodians restrict your options for self-directed IRA investing to standard assets such as stocks, bonds, mutual funds and bank certificates of deposit (CDs). Equity Trust Company focuses on specialized investments, which most people, and even financial planning professionals, do not realize are allowed per IRS regulations for IRA investments. Our truly self-directed IRAs provide you with complete flexibility to change and diversify your investments whenever you choose. In addition to public trading in listed investments, we offer our clients the ability to invest in special assets such as: real estate, tax liens, real estate notes (including mortgages and deeds of trust) mobile homes, private placements and other limited partnerships. Are you ready to take control of your financial future? Give our Client Service Team a call at 440-323-5491 for additional information, or to request an application. Applications may also be downloaded from our website at www.trustetc.com. Use your knowledge and expertise to control your future! If you have enjoyed this report, why not forward it to an associate or colleague who can profit from this information? They’ll thank you for it! If this message was forwarded to you: Get a free full version of this mini-course by visiting www.trustetc.com. Along with your free mini-course, you will receive a free subscription to “The Ultimate IRA Report,” a comprehensive update on IRA and wealth creation information. Want to learn more about how to combine your own investment knowledge and expertise with the tax savings benefits of IRAs and the high potential profit value inherent in real estate and other alternative investments? Visit our website for more detailed information: www.trustetc.com How would you like to create tax-free wealth for you and your family? Richard Desich has developed a whole series of educational materials and training seminars to teach individuals how to truly create wealth for themselves and their families. Additional information is available at www.irareg.com Please do not reply to this email. All inquiries should be directed to help@trustetc.com or call Equity Trust Client Services at 440.323.5491. Equity Trust Company, 225 Burns RD, Elyria, OH 44035, USA		Have Questions? We’ ve Got Answers! Has this seminar sparked some questions that you might have about self directed real estate IRA investing? If so follow the link below for a consultation with a self directed IRA specialist. With over 33 years of experience we can answer all of your questions and best of all we’ll call you at YOUR convenience. Get Your Consultation Now >> Take Our Survey What did you think of this eSeminar? Let us know your opinion of the material, any suggestions you have to improve it or any questions about self-directed IRAs by completing our short survey. Complete the survey now >>

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Here is the next portion of the Ultimate IRA Report

Real Estate IRAs: Secrets Revealed – Part Two
The Power of Tax-Free Compounding Interest: A Real Life Example of a Real Estate IRA Deal By: Dick Desich Hello, ! Welcome to Part II of the Real Estate IRA Report. In this edition, you will learn about the incredible power of compounding interest, and how the tax-free or tax-deferred status of an IRA can make a huge difference in building your portfolio and assets. Amassing a Fortune…The Power of Tax-Deferred Compounding Interest”The most powerful force on earth is compounding interest” - Albert Einstein One of an IRA’s greatest features is that it allows Americans to enjoy the true power of tax-deferred compounding interest.What is compound interest? Compound interest is basically interest on interest. For example, when you make an investment and receive a return, you are able to enjoy interest on both the investment principal and the earnings you have accumulated. The additional interest you make on your profits is called compound interest. Compounding can occur with any investment you make, but the “true” power of compounding interest is obtained when you make an investment in a tax-deferred environment. By taking advantage of an IRA’s tax-deferred status, you do not have to pay tax immediately on your earnings. Thus, you are able to enjoy the power of compounding on ALL of your profit, not just that which is left after taxes. Tax-Free Scenario: The Power of Compound Interest Let’s look at an example that illustrates the power of a tax-deferred environment. In this example, we have a man who is 35 years old and contributes $2,000 annually to his Traditional IRA, until the age of 65. These thirty contributions total $60,000.Assuming a 10% annual rate of return, this individual’s IRA at age 65 will be worth over $400,275! Remember, this example was based on contributions to a Traditional IRA. A Traditional IRA is funded with before-tax dollars, which, in most cases, are tax deductible, and taxes are deferred until funds are distributed. An even more powerful investment vehicle is the Roth IRA. With the Roth, contributions are made with after-tax dollars, so you don’t receive a deduction, BUT your earnings will not be taxed when you make a qualified distribution. Imagine making the same deals you are currently making, but receiving your profits tax-deferred or tax-free! All simply by using your IRA for your investment! Taxable Scenario: The Loss of Compound Interest Now, let’s look at the same investment made outside the IRA’s tax-deferred environment. We will use the same assumptions as above, except the individual’s investments would be subject to a 28% annual tax rate. The total value in the same individual’s account at age 65 would be just $227,220.Your “business partner,” the federal, state and local governmental taxing authorities, have claimed more than $170,000 of your profits! Tax-Free Profits Using Your Knowledge and Expertise: A Real-Life Example of Combining Real Estate and Self-Directed IRAs Sherman Ragland is a real estate investor from the Washington, D.C. area, and an Equity Trust client. While searching for investment properties, Sherman came upon a two-bedroom home that he was able to purchase for $24,000.Recognizing that this would be a good deal for his retirement account, Sherman instructed Equity Trust, his custodian, to purchase the property on behalf of his IRA. The property needed improvement so that it could be rented out, and Sherman instructed Equity Trust to submit $7,500 to a general contractor. After repairs were complete, the home was put on the market as a lease-to-own property and was rented out for one year at $10,000. The rental income flowed directly into Sherman’s IRA. During this time, Sherman added a third bedroom that cost approximately $20,000, paying for it out of his Equity Trust IRA. The following year, Sherman’s tenant qualified for financing and Sherman’s IRA sold the home for $135,000. Let’s take a look at how this deal worked out for Sherman. With the $24,000 initial purchase price and $7,500 in fix-up expenses, plus $20,000 for the addition, Sherman had total expenses of $51,500 in the deal. He had $10,000 in rental income and netted $135,000 on the sale, for total income of $145,000. After expenses, Sherman realized a $93,500 profit . This profit remained in Sherman Ragland’s IRA at Equity Trust, ready to be invested in the next deal Sherman found. If he had done the same investment outside of his IRA, using personal assets, Sherman would have paid 23% in capital gains and state taxes leaving him with a profit of $71,995. The difference for Sherman Ragland, in just this one deal, was $21,505! And, all the while, Sherman is building tax-free retirement income -which means he won’t have to worry about the problems of socialsecurity. The bottom line is that, using his knowledge and expertise, Sherman is creating a bright future for himself as well as his family. In addition to the power of compound interest, other tremendous advantages IRAs can offer include reduction of taxable income, asset protection and estate planning.Watch for Part III of the Real Estate IRA Report, where we will discuss how to receive a $50,000 tax deduction using self-directed Real Estate IRAs, and how to use your IRA as an estate planning and asset protection tool! “Again, ask yourself what type of return you can make investing in real estate. 10%? …20%? …30?” If you have enjoyed this report, why not forward it to an associate or colleague who can profit from this information? They’ll thank you for it! If this message was forwarded to you: Get a free full version of this mini-course by visiting www.trustetc.com. Along with your free mini-course, you will receive a free subscription to “The Ultimate IRA Report,” a comprehensive update on IRA and wealth creation information.   Want to learn more about how to combine your own investment knowledge and expertise with the tax savings benefits of IRAs and the high potential profit value inherent in real estate and other alternative investments? Visit our website for more detailed information: www.trustetc.com How would you like to create tax-free wealth for you and your family? Richard Desich has developed a whole series of educational materials and training seminars to teach individuals how to truly create wealth for themselves and their families. Additional information is available at www.irareg.com Please do not reply to this email. All inquiries should be directed to help@trustetc.com or call Equity Trust Client Services at 440.323.5491. Equity Trust Company, 225 Burns RD, Elyria, OH 44035, USA		Have Questions? We’ ve Got Answers! Has this seminar sparked some questions that you might have about self directed real estate IRA investing? If so follow the link below for a consultation with a self directed IRA specialist. With over 33 years of experience we can answer all of your questions and best of all we’ll call you at YOUR convenience. Get Your Consultation Now >>

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The approval is final I finally got the okay to post the Equity Trust Article I mentioned last week. I spoke to their professional network coordinator and racked up some huge decision making ideas along with the invitation to contribute articles for their monthly reading audience.

I now have a leveraged medium to get the word out about land banking, the power of building wealth through real estate combined with the power of self directed IRAs’.

As the first step I am going to reprint the article in it’s original format over the course of the next week. I have at least a three part article. I will enjoy the benefits from these nuggets of brain food.

I hop you decide to use them for your benefit…

Real Estate IRAs: Secrets Revealed – Part One
Knowledge is Power: The Basic Incredible Wealth-Building Secrets of IRAs By: Dick Desich Hi Ryan Thank you for requesting our free mini-course, “Real Estate IRAs: Secrets Revealed.”According to the Social Security Board of Trustee’s 2006 Annual Report, the Social Security system will begin to run a negative cash flow by the year 2017, and by the year 2040 it will be completely insolvent! The total in unfunded liabilities for Social Security and Medicare in present value (or in today’s dollars) is $45 Trillion… the ENTIRE net worth of America is $42 Trillion! So what is this telling us? Very plainly, that we need to take our future into our own hands. We need to use our knowledge and expertise, coupled with the tools the government has given us, to not rely on Social Security as our safety net. You see, dollar-for-dollar, nothing provides a better return on investment than investing in what you know (real estate) in a tax-free environment that retirement plans provide. Have you been burnt by that hot stock tip? Or just been upset the market’s general unpredictability? Imagine investing in a piece of property just down the street – a real, tangible asset! Would it make you sleep better at night, knowing that you could go and see your retirement growing in front of your eyes?In this seminar, you will discover the secrets to Real Estate IRAs and wealth generation for you and your family. So let’s get started… The Basics:Do you think that your only retirement investment option is the stock market or low-yielding CDs? Most real estate investors aren’t aware that they can use their retirement savings, such as IRAs, 401(k) and other qualified plans, to invest in real estate. In addition, many do not fully understand the incredible wealth-building powers these government-sanctioned plans hold. Any IRA invested in low-interest CDs or government bonds will grow exponentially due to the tax-deferred or tax-free status that IRAs possess. That’s fine – if you are satisfied with low investment returns and believe that they will keep you ahead of the inflation rate and meet your retirement needs. For most investors, low-rate fixed investments are not the answer, so many have turned to the stock market. “Has the market burned your IRA? Avoid being churned and burned by the ups-and-downs of the stock market: Use your IRA to invest in real estate.” Though the stock market can offer significantly higher returns, many investors in recent years have seen their retirement plans derailed or significantly altered. Historically, the stock market has been a sound investment over time. But looking more closely, the market has achieved virtually all of its gains over relatively short bull-market surges.Given its historic ups-and-downs, do you really want to bet your retirement exclusively on the U.S. stock market rising in value? Can you be confident that the money you will need will be there when you need it? “You do have options.” Other investors, using their current investment strategies in real estate or other alternative assets, are able to achieve substantially greater returns in their IRA plans than they would by investing in stocks or mutual funds.When you combine the powers of an IRA with the knowledge and expertise of a real estate entrepreneur, the result can be an opportunity for tremendous financial growth. By creating, transferring, or rolling over a 401(k) to a truly self-directed IRA, you will have complete control over how these funds are going to be invested. Imagine being able to complete real estate transactions almost exactly as you are currently doing them, but gaining the added advantages offered by IRAs and their tax-deferred/free status. “Why haven’t I heard about this before?” Most investors don’t know this opportunity exists because most IRA custodians do not offer truly self-directed IRAs that allow Americans to invest in real estate and other non-traditional investments.Often, when you ask your custodian/trustee, “Can I invest my retirement funds in real estate?” they will say, “I’ve never heard of that” or, “No, you can’t do that.” What they really mean is that you can’t do this at their company because they have a vested interest in getting you to invest in their stock, mutual fund or CD products. As a truly self-directed IRA custodian, Equity Trust Company (www.trustetc.com) will not only allow you to invest in all forms of real estate (or other investments not prohibited by the Internal Revenue Service), but will also handle all transactions within your IRA for one low annual fee, with no hidden charges. “How do I know this is legal?” For many years, corporations (large and small) as well as individual Americans have been using their retirement funds to invest in real estate using with IRAs, 401(k)s and other pension plans.But because most Americans have not been educated about their options, they might wonder, “Is this legal?” Well, quite simply, it is. But don’t take my word for it, just look at information published by the ultimate authority on IRAs, the Internal Revenue Service. In IRS Publication 590 (dealing with IRAs), it states what investments are prohibited; these investments include artwork, stamps, rugs, antiques, and gems. All other investments, including stocks, bonds, mutual funds, real estate, mortgages, and private placements, are perfectly acceptable as long as IRS rules governing retirement plans are followed. (For a copy of IRS Publication 590 please go to http://www.trustetc.com/links/irspubs.html) We can also look to information provided on the IRS website. The following is an excerpt from an FAQ section about IRAs: “Are there any restrictions on the things I can invest my IRA in? The law does not permit IRA funds to be invested in collectibles such as: Artwork Stamps Rugs Antiques The law also does not permit IRA funds to be invested in life insurance contracts. See Code section 408(m) for additional investment restrictions. Finally, IRA trustees are permitted to impose additional restrictions on investments. For example, because of administrative burdens, many IRA trustees do not permit IRA owners to invest IRA funds in real estate. IRA law does not prohibit investing in real estate, but trustees are not required to offer real estate as an option. “Now that I understand the basics, let’s talk about how self-directed IRAs can benefit me!” As mentioned before, an IRA is one of the most powerful wealth-building tools available to real estate investors. But why is this? What benefits can an IRA offer that your present investing strategies cannot?Well, there are several benefits, and in future emails you will see how an IRA can provide investors much more than just a way to save for retirement. Watch your email inbox for Part II of the Real Estate IRA Report, where you will discover how you can create tremendous wealth for you and your family by using the power of TRUE compounding interest to accelerate wealth generation. “What type of returns can you make investing in real estate? 10%? …20%? …30%?” If you have enjoyed this report, why not forward it to an associate or colleague who can profit from this information? They’ll thank you for it! If this message was forwarded to you: Get a free full version of this mini-course by visiting www.trustetc.com. Along with your free mini-course, you will receive a free subscription to “The Ultimate IRA Report,” a comprehensive update on IRA and wealth creation information. Want to learn more about how to combine your own investment knowledge and expertise with the tax savings benefits of IRAs and the high potential profit value inherent in real estate and other alternative investments? Visit our website for more detailed information: www.trustetc.com How would you like to create tax-free wealth for you and your family? Richard Desich has developed a whole series of educational materials and training seminars to teach individuals how to truly create wealth for themselves and their families. Additional information is available at www.irareg.com Please do not reply to this email. All inquiries should be directed to help@trustetc.com or call Equity Trust Client Services at 440.323.5491. Equity Trust Company, 225 Burns RD, Elyria, OH 44035, USA		Have Questions? We’ ve Got Answers! Has this seminar sparked some questions that you might have about self directed real estate IRA investing? If so follow the link below for a consultation with a self directed IRA specialist. With over 33 years of experience we can answer all of your questions and best of all we’ll call you at YOUR convenience. Get Your Consultation Now >>

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• Rolling your IRA or 401(k) into Real Estate When it comes to getting a handle on your retirement your first priority would be to roll your IRA or 401(k) plans into a truly self directed type of account. One that let's you handle all forms of investments...real estate, stocks, bonds, mutual funds and any other form of......
• These 29 Tips To Help Save You Money Funny how when we look at money, financial affairs and wealth we often overlook some of the most simple things. For example what about cutting back on items or finding ways to save on the purchases of the items or services, I read this article in Readers Digest a couple......

• Do You Live in a Tax Procrastinating City? TurboTax has tallied last-minute online tax filings to find out which cities across the country are the biggest tax procrastinators. Here is the list, as determined by the number of tax returns electronically filed online via the TurboTax Online service from April 13-April 17, 2008 (previous year ranking in......
• Get into Bed with Terry Spear (Author Interview) Welcome readers! Gather round the campfire as Terry Spear is joining us today to illuminate on her Wolf series. Werewolves as you know are not just for scary stories... they're for loving too! Keira: How did you come up with the idea for the Wolf series? Terry: Years ago,......
• Retirement Savings: 401k Matched, Roth IRA Maxed, Now What? Financial planners occasionally squabble over whether or not to invest in a 401(k) or open a Roth IRA.  Most agree that passing up matching funds in a 401(k) plan makes little sense, so it's probably best to start there. After taking advantage of those matching funds by investing through the......
• Top 5 Finance Sites I spend an healthy amount of time on the internet, so I figured I would share my favorite 5 free finance related sites.  The reason I limited the list to free is not due to alliteration, but rather I am part of the generation that assumes everything on the internet should be free,......
• Types of IRAs There are different types of IRAs for individual retirement plans which incorporate various tax advantages that offer efficient retirement savings of the United States taxpayers.  They are all the same, however, in terms of available investment options. IRA Types The original Individual Retirement Account was developed and established in 1974.......

Maximizing your earnings isn’t rocket science. I’ve said it a thousand times before and I will continue saying it another thousand times more. It takes basic discipline and pratice to overcome any obstacles in life. First off you need to know where you are by taking a good look at your current situation. How are your finances?Are you living from paycheck to paycheck or have you developed a system to keep three to six months consistently available for monthly obligations and unexpected events that take place in life? Knowing this is the first key to your success now then to maximize your return on your investments and your earning potential you need to be dilligent. There is no excuse for having a money symptom.Yes I said “symptom” not a problem.Usually there are only a couple of causes that would make your financial matters unacceptable.  These causes are poor money management, lack of steady income due to various reasons such as your job, or lack of work ethic, and the most common is living way beyond your means.Do the math add up all of your expenses, then add up your income on a monthly basis. Is your income less than, greater than or equal to your expenses. In most cases income is less than everyday expenses.If this is your case you need to either increase your income by creating a small home based business or reduce your expenses by cutting back on unnecessary items and frivolous spending. This is the first step to maximizing your earning potential.The second step is to reevaluate your investments. Are  you receiving the best return on your money? Is your stock market portfolio manager or financial advisor earning you a minimum of 20% per year consecutively?Or is he/she just making commissions by trading you one bad stock to the other? Don’t get me wrong here there are good financial planners and there are bad ones. Just like in the real estate market there are ethical and non ethical people in every financial and non financial business period.You need to consider the cost of inflation, your expected longevity and life expectancy, along with the cost of inflation and soaring fuel prices. You need alternatives. They’re out there. If you are looking for a way to maximize your portfolio then coupling your retirement plan with real estate is one of the best places to be.  I’m actually jealous that my client just bought a parcel of property and made a huge return of almost 40% just on the purchase.When you provide a service that makes people money year after year and charge them no trading fees, no checks, and you are able to keep them in the same tax bracket then you have a winning model for a business.Learn how to roll your IRA into real estate today. 

• Loyalty within your portfolio are you faithful with to your investments When it comes to investing many individuals are leaving more money on the table then compared to the profits that they can realize. Loyalty is the simple practice of being true to your self and to your needs. Just like with a friendship you cannot go out and do......
• 5 tips for selling your home in a down market Selling your home in any market can be challenging if you aren't properly staged for the sale. However in a market place where people are on uneasy ground due to the global economics and financial markets have led to consumer fear and a lack of confidence. Only those aware of......
• Starting a pension plan for your company The very first item to consider when starting a pension plan for your companyis to decide which course of action to take. What would benefit your company more either a defined benefit plan or a defined contribution plan? ***A defined contribution plan*** These plans are comprised from a broad range......
• These 29 Tips To Help Save You Money Funny how when we look at money, financial affairs and wealth we often overlook some of the most simple things. For example what about cutting back on items or finding ways to save on the purchases of the items or services, I read this article in Readers Digest a couple......
• Snowball your way to financial freedom Debt is like a plague that eats your hard earned money faster than you can earn it. You work for your bills and your bills take everything you work for. Soon it becomes a stressful vicious cycle that makes people bitter and angry. Your outlook becomes bleak; you see no......

• Retirement Planning Progress - A Look Back Happy New Year to all of my fellow baby boomers. We made it to another decade which as they say, beats the alternative. Time for a brief look back at 2009. I'm not a fan of New Year Resolutions. That's just a mind trick we tend to play to delay......
• An Emergency Fund Is More than Just Money   photo by chrisbb This is a guest post from The Happy Rock @ The Happy Rock, a personal finance blog dedicated to changing our behaviors to change our wealth.  You can subscribe to his feed here. Most financial plans include some amount of cash savings to help get you......
• Tax Tips To Save Money NEXT Year The following guest post is from Trisha Wagner.  Trisha is a freelance writer for DepositAccounts.com, where you can compare rates from dozens of banks in one place.  She writes regularly on the topics of personal finance and saving money. It happens every year when tax time rolls around people scramble......
• ¤How Much Life Insurance Should You Have?¤ When Should You Consider Getting Life Insurance? /caption] If you have dependents that need financial support if you pass away, then you should get life insurance. Even if you are a stay at home parent, you should consider purchasing life insurance. Life insurance should not be considered an investment. How......
• Have You Made Your Financial Plan For 2010? It's a good time to draw up some financial New Year's resolutions if you haven't yet.  Sure - don't call them New Year's resolutions if you don't want to - it's a financial plan for 2010 that I'm really talking about. Although we are still in the thick of the......

I read this fantastic article the other day that scared the hell out of me. It’s from one of our real estate custodian companies called Equity Trust Company. I am waiting for permission to reprint before I put it on my blog, The fascinating part about it is the forecasts about social security. if nothing changes the whole system will implode.

Having that knowledge will either motivate you to do something about your life or face the facts that it’s not getting any better and you spend the rest of your life chasing your tail trying to figure out what the heck happened.

I was also speaking with a fellow the other evening he pointed out to me the various reasons why the system would have lasted and it was it’s own demise from improper handling in business operations. He stated “the government had never repaid debts it created to fund projects levied against the Social Security Administration.

In my own opinion the system was never created properly to support long term dividends to the entire U.S.A.’s population. I believe the system was started to be a short term payout to add for the costs associated with living costs and everyday required activities.

I would like to invite you all to get the facts concerning directed IRA’s and the awesome benefits of combining the power of real estate and compounded interest with deferred or non existent taxes.

Here is the website for you to check out your self directed ira options. Visit Equity Trust Company when you arrive there look for the free report. Equity Trust is a multifaceted custodian capable of handling many tasks. From real estate to business transactions, rental properties, debt instruments, and many other services.

My preferred custodian is a company called IRA Services the work especially well with our land banking and their rates are very reasonable. Equity trust is for more diverse investor who can afford to take a certain amount of risk in their portfolios.

Two more custodians I can think of are Entrust, Pensko I am not as familiar with their services. There are only six to eight of these custodians in the country. Their expertise is a necessity to having a future surrounded in comfort and quality. Money should not be an issue when you retire. My mother retired and in one year was back in the work force.

Subsequently since mothers day is tomorrow I feel the need to I feel a moment of silence for she passed four years ago two days after this past Easter and one day after my sons eighth birthday.

I took most of my inheritance and spent it on cars and boats my life spiraled up and down this was the moments that were the precursor in my life that lead up to my downfall.

In four years I went from bad to worse with one new challenge after the next. Every possible reason not to do something and valid excuse for not getting it done. I finally made up my mind to make the change and to quit messing around. I was living the life that our retirees and even the youth are faced with today. Mis-managed money, poor choices for employment, under wage earnings, homelessness, undernourishment, and poor health.

I have taken and modified changes throughout the years. It wasn’t ENOUGH to make the head way I was seeking. I made the initiatives to find change my money outcome. To locate convert and retain clients on a more consistent basis. It was time to get serious.
Look for part two in the next article.

• Rolling your IRA or 401(k) into Real Estate When it comes to getting a handle on your retirement your first priority would be to roll your IRA or 401(k) plans into a truly self directed type of account. One that let's you handle all forms of investments...real estate, stocks, bonds, mutual funds and any other form of......
• The Ultimate IRA report Part 5 The Ultimate IRA Report     Welcome to the latest version of the Ultimate IRA Report! The Ultimate IRA Report is a key resource for successful investors, with content generated from Equity Trust's wealth of experience and expertise in providing tax-deferred and tax-free profits through self-directed IRAs. If you......
• Wealth And Wisdom Go Straight To The Dogs A dogs keen set of senses and perception are amazing, whether you believe in it or not, the old story; "Everything I Ever Needed to Know About Kindergarten, I Learned From My Dog"  applies to much more than just kindergarten. A dogs unique set of senses are an extraordinary example......
• Discounted Legal Services scam or shelter for your affairs When you need advice you need it fast, phone book ads state free consultations with an attorney near you. You make the call, set the appointment only to find out you have 10 minutes and 3 questions. You spent hours building your list of questions, preparing to take thorough notes......
• Here is part three of this report var YAHOO = {\'Shortcuts\' : {}}; YAHOO.Shortcuts.hasSensitiveText = true; YAHOO.Shortcuts.sensitivityType = ["adult"]; YAHOO.Shortcuts.doUlt = false; YAHOO.Shortcuts.location = "us"; YAHOO.Shortcuts.document_id = 0; YAHOO.Shortcuts.document_type = ""; YAHOO.Shortcuts.document_title = "Real Estate IRAs: Secrets Revealed - Part Three"; YAHOO.Shortcuts.document_publish_date = ""; YAHOO.Shortcuts.document_author = "help@trustetc.com"; YAHOO.Shortcuts.document_url = ""; YAHOO.Shortcuts.document_tags = ""; YAHOO.Shortcuts.annotationSet = { "lw_1212114071_0":......

• Top 10 Reasons to Purchase Life Insurance I found this article on ezinsurance.com.au and would like to share it with my audience: If you ever want to bore someone to death or make them run for cover, just bring up life insurance… trust me, just those two words seems to make people clam up and start looking......
• Make Money From Referral Based Work From Home Companies Would you like to learn how to make some extra money online, but afraid of getting scammed? In this article, I will discuss how to select legitimate work from home companies, that will enable you to start earning online. Specifically, we will be focusing on free referral based programs. These......
• The Art of Learning By Josh Waitzkin Although this is a book by a chess expert, don’t let that fool you. There is some hard hitting advice here that can help you in many different areas of your life. If you are trying to learn more about managing your money and becoming a success, this book is......
• Self-Directed IRAs: Little Known Retirement Savings Option IRAs were created in 1974. They were established to give individuals the ability to save money in retirement accounts or trusts in order to benefit themselves or a chosen beneficiary. There are strict guidelines for operating an IRA, as well as who can serve as a custodian of an......
• Weakon 206:  Asset Allocation Welcome to class my friends, we have class today and tomorrow, with some extra credit coming after that. Personal finance and investing advocates preach many terms.  Perhaps none are as important as asset allocation and diversification.  Today we're going to talk about asset allocation and tomorrow I have a course......