Investing

Why 401K’s Are A Bad Idea

May 9, 2023 By Cade Hildreth 15 Comments

Why are 401(k)’s a bad idea? Why don’t rich people use them? And seriously, are they worthy of being called a scam?

There are more than a few reasons that 401(k)s are a bad idea, including that you give up control of your money, have extremely limited investment options, can’t access your funds until you’re 59.5 or older, are not paid income distributions on your investments, and don’t benefit from them during the most expensive period of your life (child-rearing years).

Did I also mention that your 401k account value may plummet—it happened in 2008 and could happen again. [Read more…] about Why 401K’s Are A Bad Idea

Master List of Real Estate Syndicators for 2023

May 6, 2023 By Cade Hildreth Leave a Comment

Real estate syndication is when a group of people pool their money together to purchase real estate assets.

Typically, there is the real estate syndicator (or sponsor). This person or group identifies the properties to acquire, presents them to the investors, and collects the capital needed to close on the properties.

In contrast, investors contribute capital in exchange for an ownership stake in the property or properties. The investors do not participate in the day-to-day operations of the assets and their financial downside is limited to the amount of money that they invest. [Read more…] about Master List of Real Estate Syndicators for 2023

IRR vs. ARR: What’s the Difference?

February 27, 2023 By Cade Hildreth Leave a Comment

Key Takeaways

ARR is formula that calculates the annual percentage rate of return expected from an investment, compared to its initial cost.
ARR is a simple calculation that can be done on the back of a napkin.
IRR is a more complex equation that is best calculated with a spreadsheet or calculator.
IRR stands for Internal Rate of Return. It lets you estimate the future profitability of potential investments.
IRR lets you factor in the time value of money, which ARR does not.
IRR is preferable if you won’t earn cash flow from an investment evenly over time.

What is Real Estate Syndication? Everything You Need to Know

January 21, 2023 By Cade Hildreth Leave a Comment

Are you interested in real estate investing but unsure of the responsibilities that come with it? Investing in real estate can provide you with a steady income, but it’s a lot of work for one person to manage. If you’re not up for the challenge of being a landlord and the headaches that it carries, then real estate syndication is an opportunity you should consider. [Read more…] about What is Real Estate Syndication? Everything You Need to Know

4 Pro Tips for Your First Time Buying Stocks

January 1, 2023 By Cade Hildreth Leave a Comment

Did you know that about 55% of Americans own stocks? If you’re not one of them, it could be that you don’t yet understand the process for investing in them.

After all, few people get shown how to invest in the stock market by their parents. Teachers don’t teach this skill this to you in school. So, you’re left to learn about it yourself. [Read more…] about 4 Pro Tips for Your First Time Buying Stocks

Investing

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Key Takeaways

ARR is formula that calculates the annual percentage rate of return expected from an investment, compared to its initial cost.

ARR is a simple calculation that can be done on the back of a napkin.

IRR is a more complex equation that is best calculated with a spreadsheet or calculator.

IRR stands for Internal Rate of Return. It lets you estimate the future profitability of potential investments.

IRR lets you factor in the time value of money, which ARR does not.

IRR is preferable if you won’t earn cash flow from an investment evenly over time.

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