An extreme amount of student loan debt is currently burdening the majority of college attendees within the United States. We’re talking about an average of 1.4 trillion dollars. Even more unsettling, this statistic doesn’t include the debt accumulated by Parent Plus Loans. Though these loans are deemed the parent’s responsibility, it is oftentimes agreed upon by the student to pay it back. This amount is estimated to be an extra $89 Billion.
Whether you are a student or parent worried about the burdens of educational finances, ICG is here to educate you on the valuable potential of a real estate investment.
Paying Back Student Debt?
Consider the possibilities of a positive investment. Though it might be intimidating to accumulate more debt, it could be life-changing to educate yourself on pertinent information that, if begun early enough, could initially obviate the need for student loans. ICG will guide you through the steps to build equity, pay for your kids’ or grandkids’ college, and also plan for a powerful retirement. Stay updated with recorded events and watch Adiel Gorel explain the importance of single-family home rental investments.
Want to Secure Your Child’s Future?
College may seem way down the line for your child, but it arrives sooner than expected, causing you to panic about the financials. ICG will provide you with the tools to solve this worrisome predicament. Investing in a single-family home may not seem in the cards right now, but it is an excellent way to provide funding for your child’s education. Working with real estate investments for over 30 years through historic recessions worldwide, Adiel Gorel presents easy-to-follow investment plans that go beyond securing future financial stability, by focusing on your wellbeing as a foundation for future success.
Investing in you or your child’s education should be of top priority. Join our worldwide sessions when you become a member, and gain deeper access to a variety of educational resources that simplify all your investment questions with doable answers. For a more in-depth look, attend ICG Real Estate 1-day Expo on September 7th, 2019 near the San Francisco Airport. Contact us for details and for complimentary tickets at email@example.com.
The modern-day picture of a successful career includes financial stability and less sleep. To secure financial freedom, one must sacrifice family, personal comforts, and mental health to the widely-accepted stressors of today’s fast-paced workforce. Sadly, the exclusion of restful sleep in our image of success does more harm than good as sleep-deprivation may also decrease life expectancy by 15%, shaving off almost 12 years from the standard life expectancy of 78 years. As we become busier with our daily goals, sleep tends to be tossed to the wayside, yet what good is wealth without health?
As an international investment corporation, we acknowledge and encourage wellness as the primary investment our members should make, starting with sleep. Affecting 30% of the American population, sleep-loss impacts our financial stability as much as economic and political shifts by crumbling our bodies from inside out. Not only does it maximize stressors, but sleep-loss has been linked to several illnesses, including a 70% drop in natural killer cells – the same cells responsible for preventing cancer. With an overwhelming amount of research begging for better sleep patterns, healthy investment options are crucial more than ever.
Close Your Eyes and Open Your Mind to the Key to Wealth.
In the face of chaotic trading floors, fluctuating markets, and complicated investment plans, it may seem hard to equate financial investments with rest. Contrary to cultural norms, long-time real-estate investor, Adiel Gorel presents flexible financial plans built with manageable low-risk solutions, such as single-family rental homes and the amazing 30-year fixed rate loan, all more conducive to improved health and wealth with minimal:
- Financial strain from rental upkeep
- Time wasted in closely monitoring multiple assets in different locations
- Sleep loss due to long work hours dedicated for far-off retirement plans
Created for inexperienced investors with little time to spare, investment strategies such as Remote-Controlled Retirement Riches can assist in creating prolific single-family home portfolios using multiple real-estate markets all with the support of tested strategies and experts.
Sleep-deprivation does not –and should not– equal success. Discover a new way to invest and rest with Adiel in our next broadcasting, August 10th, at 10:30 am on KQED Plus and create your wealth plan without sacrificing the core pillars of your health.
For more information on wellness and financial investments, visit our Membership Area to explore related podcasts and webinars designed to empower the decisions you make now and in the future.
On September 29th, 2008, the United States witnessed a financial disaster that would eventually overtake the globe. The Dow Jones Industrial Average fell 777.68 points after Congress refused the bank bailout bill. Seemingly overnight, the nation’s sense of security was swept off its feet. By 2009, 861,664 families lost their homes and foreclosing rates increased by 225% in two years. Ten years later, the effects have slowly dwindled away, but the fear persists as noted by the 23% of young prospective homeowners who see homeownership as a “bigger financial risk”, despite the market’s correction.
Eliminating real-estate investment fears, president of the International Capital Group, Adiel Gorel shares the minimum-risk/maximum-return solution: Remote Control Retirement Riches, the investment strategy designed for even the most inexperienced investor. As millions of Americans turn away from retirement plans and Social Security, find a simple solution in our upcoming broadcast discussing Single-Family Rental Homes.
Make an Investment with Confidence – not Fear
Owning multiple homes post-2008 may seem counterintuitive to financial stability. However, for the past 30 years, Gorel has developed and shared the Single-Family Rental Homes investment plan, assisting busy and inexperienced families to plan for their future without compromising the present. Explore a wealth-building strategy that has previously led to:
- Paid-Off College Tuitions
- Paid-Off Mortgages
- Paid-Off Home Renovations
- Healthcare Emergency Funds
- Investor’s Tax Benefits
Join Adiel Gorel in our upcoming broadcast, July 25 at 1:00 pm PST on KQED, to discover how to create multimillion-dollar rental single-family home portfolios using real-estate markets throughout the U.S. Learn about helpful loans and investment tips that support retirement riches regardless an investor’s age. Also, since real-estate investments involve several markets nationwide, you can implement methods at your own pace, maximizing your control over your investments while reaping benefits with minimal time constraints.
Erase your own investments fears and start planning the future with confidence. Follow us on KQED on the dates listed below to learn more at our interactive seminar. Visit our Membership Area for more detailed information and insights into becoming a home investor without becoming a full-time real estate mogul or hired landlord.
- KQED Plus: Sat, Jul 13, 2019 — 3:00pm
- KQED 9: Thu, Jul 25, 2019 — 1:00pm
- KQED Plus: Thu, Jul 25, 2019 — 10:30pm
- KQED Plus: Fri, Jul 26, 2019 — 4:30am
- KQED Plus: Sat, Aug 10, 2019 — 10:30am
For years, it’s been widely accepted that owning a home resides at the core of the American Dream, yet studies conducted by the Urban Institute report that 53% of millennials today cannot afford a home as they can’t even afford a standard 20% down payment. Between escalating healthcare costs and burdensome student loans, the average millennial would take up to two decades to save up for a down payment. The dream of owning a home may seem to be crumbling, yet based on these startling numbers, it is clear that the desire for financial stability is as crucial as ever.
While roughly 80% of millennials don’t expect to receive benefits from current Social Security policies, the pursuit of financial security and growth is still very much attainable through home ownership and rentals. Thanks to the magical 30-year fixed loan rate, maximizing savings’ funds can be done through remote control retirement, one of the many innovative strategies to be presented at the ICG Real Estate 1-Day Expo in San Francisco, U.S.
Dealing with the Unstable Concept of Financial Stability for the American Dream
As inflation and increased cost-of-living may pose as threats to buying a home, single-family home rentals revive the financial success “dream” as the most liquid type of real-estate on the market. Join us this September 7th, 2019 at South San Francisco Conference Center to learn how to leverage single-family rentals to your financial benefit while:
- Getting experts’ strategies and opinions
- Navigating taxes, loans, new markets, and more
- Networking with like-minded investors
- Exploring new market trends
- Participating in collaborative Q & A.
Just as technology advances year after year, it’s only natural that real-estate markets evolve with each generation, yet the result of a sound investment is a constant: financial success. Despite the negativity surrounding real-estate, there is still much to be discovered. Luckily, we are devoted to doing just that.
Whether it be through podcasts or interactive conferences, ICG is can help you invest in single-family rentals and guide you through a minimum-risk process designed to fit even the most inexperienced and/or busy rental owner. No matter your age, it’s not too late to start investing in your future. Register today before space runs out and build your own future on your own dream. Learn more with our podcasts and webinars in our Membership area where we outline strategies in more depth.
A few times a week I talk to investors planning on putting a large down payment on the purchase of a single-family rental home. The goal is to have a better “cash flow”. It may sound logical – the greater the down payment, the smaller the loan, and hence the monthly payments. However, the foundational piece of buying rental homes in the United States is the “gift” called “the 30-year fixed rate loan”. This loan sounds like a miracle to most foreigners, since neither the monthly payment nor the mortgage balance EVER keeps up with the cost of living around the world, while everything else does.
The magical 30-year fixed rate loan
The 30-year fixed-rate loan is at the heart of life transformation for investors when the homes are held for 10 years or more (preferably over 15). The loan keeps getting eroded by inflation (or CPI– the cost of living), while the home, rent, and everything else keeps requiring more dollars to buy (hence in dollars, their value goes up – even without intrinsic appreciation). The 30-year fixed rate loan starts looking quite puny after 12, 14, 16 years. It may be years before it is paid off, but since it never keeps up with the cost of living, inflation hammers the real value of the loan.
These loans are a great financial gift, with future-changing potential. Why, then, would you want to make the gift smaller? Especially at today’s low rates? The answer is, you don’t. A larger down payment will mean the magical loan will be smaller.
May be wise not to exceed 20% down payment
This is not fully utilizing the power of the fixed-rate loan, and it means the borrower has expended more of their scarcest resource: cash! Even very wealthy people, who can afford to put down a large down payment or buy for cash, choose to put down less money. They do this to leverage their cash with the 30-year fixed-rate loan.
I think that in normal cases, a 20% down payment should not be exceeded. The small additional cash flow due to having a smaller loan is insignificant at the present time. Right now, your main “cash flow” should come from your own earnings (salary). It is later in life during retirement that the rental homes can replace your income.
In cases of big 1031 exchanges, with not enough properties to identify, or in cases of not being able to get the FNMA loan anymore, then larger down payments are merited and that is a different blog post. I still think the down payments should be less, rather than more, in any circumstance. Currently, in our Membership area on our website, we have podcasts and a webinar that discuss loans and cash flow in depth. You can learn more about it at icgre.com/members