Love and Money 15 Secrets to Wealth and Abundance

Love and Money: 15 Secrets to Wealth and Abundance

Valentine’s Day 2018 has arrived and what a great day to talk about Love and Money: 10 Secrets to Wealth and Abundance

What does love have to do with money?

In reality, it has a lot to do with money.

Here are 15 secrets of how love can make you money, wealthy and abundant.

Secret #1 Loving Yourself

One of the biggest reasons I got into debt back in 2009 and 2010 was that I didn’t take care of myself. I didn’t take the time to appreciate who I was at the time.

So I let other people take advantage of me, and got into a lot of problems.

I actually had to practice loving myself to change my circumstances.

Getting into a higher loving vibration, I repelled those who would harm me, and gradually started accumulating money and wealth.

Secret #2 Loving Your Significant Other

Many say that one of the biggest creators and destroyers of wealth is divorce.

In order to create and grow wealth, we need the help of our significant other.

Often times, if we fully appreciate and love our husband or wife, we find that wealth is a lot easier to grow.

Secret #3 Loving Your Children

It’s because I loved my son so much, that I worked so hard to quit my job in December 2016.

I wanted to go with him on his field trips and have energy to play with him in the evenings.

I wanted to be there and see him grow up.

When I was working a job during the day, and came home late on Fridays, it would pain me to think of all the time I was away from my son.

That motivated me to grow my wealth as fast as possible.

Loving your children, wanting to be there for them at your best, having the resources to support them…that is one of the strongest motivators for wealth creation.

Secret #4 Loving Your Family

To me, being able to travel more means visiting my family.

Last year we visited my sister in Washington DC, my husband Jomel’s brother’s family and his sister in LA, Jomel’s auntie and uncle’s family in Toronto, my auntie and uncle in Buffalo, my aunties and uncles in Toronto and Jomel’s parents on a cruise to Mexico.

Do you love your family enough to create the wealth you need to actually visit them?

Secret #5 Loving Your Community

When I started my journey towards financial freedom, I adopted the budgeting system recommended by T Harv Eker.

In his system, you pay yourself first 10% of what you make, and you divide the rest of the money among different accounts, one of which was the GIVE account.

So I started by putting 10% of my tax refund into my GIVE account, and that ended up being $300!

Ever since then, I’ve had money to tithe to my church, to donate to charities and good causes in my community.

Honestly, that made me feel rich more than anything else…the ability to give back to the community.

Loving our community can create massive amounts of wealth, as we fund projects and also fuel our own wealth.

Doesn’t it feel good to become wealthy knowing that you can make a greater difference in the community?

Secret #6 Loving Your Boss

One of the biggest lessons I learned was that in order to leave my job, I had to outgrow it.

That means that I had to fully appreciate and understand my boss at work.

My boss put in a lot of hard work and effort to become the boss.

My boss has a lot of skills that I can learn from if I just am open to learning.

And if I was at a job, then that means I still have something to learn there.

So once I started to love my boss, and truly learn and grow from working with them, that’s when I was able to leave my job.

Wealth comes from knowledge and being able to offer value to others that pay you for the value you give.

Your boss most likely knows a thing or two about about creating value for customers, so learn, and grow…to grow your knowledge, your expertise and your own finances.

Secret #7 Loving Your Bills

Louise Hay, in her book You Can Heal Your Life, talks about loving your bills as a method to bring wealth.

After all, someone trusted you enough to offer you services in advance, and allow you to pay after.

This is wonderful you can celebrate that by sending loving and grateful energy every time you pay a bill.

Secret #8 Loving Your Circumstances

Whatever your current circumstances are, you created.

Whether good or bad, they are the results of your past actions.

So, embrace and love them!

Your circumstances are here to teach you a lesson, and make you better than you were before they occurred.

They are your feedback mechanism, letting you know if your actions are helping you or not.

Love your circumstances, you made them, and now you get to learn from them!

Secret #9 Loving Your Money

Do you love your money?

Do you feel like it is more than enough?

Do you keep it organized, nicely folded in your wallet?

Do you say nice things to your money?

How do you feel about your money…are you grateful for all the money you have in your life?

Love money and money will stick to you like glue!

Secret #10 Loving Other People’s Money

T Harv Eker mentions in Secrets of the Millionaire Mind how to be rich, it’s important to appreciate and bless those who have a lot of money.

He surmises that the poor have a hatred for those with money, and that is why they do not have money.

Because if they did have money, then they would have to hate themselves.

So start loving other people who have a lot of money, and bless them for all of the wealth that they enjoy.

Secret #11 Loving Learning

Ever since I started my journey of Financial Freedom, I have been attending seminars and reading books, articles and news on investing.

If I didn’t take the time to learn these new things, I wouldn’t be able to increase our passive income, and learn new techniques to improve business revenue, save on taxes and so on.

It is the love of learning that will free you, and bring you wealth and abundance.

Secret #12 Loving Affirmations

I have been using affirmations for years, to change my thoughts to ones that are more conducive to great wealth..

These affirmations are not only about money, they also express my love for myself.

Read my blog post 3 AFFIRMATIONS FOR FINANCIAL FREEDOM, WEALTH, ABUNDANCE, MONEY AND PROSPERITY for examples of powerful affirmations.

Secret #13 Loving Meditation

Every great teacher of wealth and prosperity that I have learned from takes time to meditate daily.

In the book by Napoleon Hill called Think and Grow Rich, he details the inner work required to acquire great wealth.

In The Science of Getting Rich by Wallace D Wattles, he discusses in great length how you have to visualize and spend time thinking about what type of wealth that you want to create.

The secret to creating great wealth and abundance is to take time to go within, to do the inner planning and the inner work, and to meditate.

Secret #14 Loving the Present Moment

The only moment that we can control is the present moment.

The only moment where we are alive is the present.

The past and the future are mental constructs, and really just figments of our imagination.

In the present is where we can take the actions to become wealth, and build our prosperity.

Loving our lives in the present moment is the key to great wealth and prosperity.

Secret #15 Love

Love is the highest vibration that we can exist in.

When we feel love, we can create and build with almost effortless power.

Because we are in alignment with the creative force of the universe.

We are able to create without competition, and align our interests with the interests of others, thereby being in the space of wealth creation and true abundance.

The more we feel love, and give love, the more wealth we have.


The love of myself and my family motivated me get my financial house in order, and pay off over $30,000 in debt, create a monthly passive income stream and quit my day job on December 23, 2016.

Now I work part time from home, helping working parents create financial freedom, and full time as a Mommy and Wife.

If you want to learn more about how I can help take back control of your money and your time, then CLICK HERE, watch the free video and get started!

Love and Money 15 Secrets to Wealth and Abundance

7 Ways Increasing Wealth Improves Health

Did you know that your wealth can also determine your health?

You may or may not believe this, but the Urban Institute did a study in 2015 that correlated increased income and Net Worth/Wealth to better health.

I have noticed that since I quit my job in December of 2016, I have been healthier.

In fact, I hardly ever get sick at all.

And if I do, it lasts maybe a few days at most.

Not only that, I just got my annual check up and my blood work done, and the nurse practitioner said that she has NEVER seen anyone as healthy as me…not 1 single issue.

I got an A+ in health.

I have lots of energy!!!

I have a positive outlook on life, do what I love for a living, get to use my creativity and grow my business and wealth.

I do yoga twice a week, weight lifting twice a week, run a few miles 1 to 3 times a week, and keep up with my 4 year old son Jordan at the playground and at the beach.

I now meditate daily and stay awake doing it (lol!!! I used to doze off from lack of sleep)

Not only that, when I was at my job, my knees would hurt after I ran or biked.  Since I stopped working, I’ve been fixing and healing my body by seeing a chiropractor, getting special insole orthotics in my running shoes.

As you already know, I’m running again, and my knees feel great!

I think you get the idea.

Now that I don’t work a job anymore, I have more time to sleep, spend time with my family, and I also get to cook more…and the food I cook is healthier.

We have the money to buy organic food, and lots of fruits and vegetables.

I am just healthier!

The reason I could quit my job in December of 2016 was because we were wealthier.

Our Net Worth had improved by 1/2 Million Dollars since we got married in August of 2012.

We had paid off all of our debts, and systematically saved and invested money on a weekly basis.

As I mentioned before, we went on 5 weeks of vacation last year!!!

It was actually during a health seminar on that 7 day Mexican Riviera cruise that I learned about orthotic insoles and bought my pair!

So check out the video training and learn about what you can do to improve your wealth and your health!

7 Ways Increasing Wealth Improves Health

#1 More Peaceful Environmont, Less Stress
With greater wealth, we can choose where we live.

We can choose to live in safe communities, where it’s easy to walk and play outside in the neighborhood.

There’s a friendly network of neighbors and community businesses.

This leads to better physical, emotional, mental and spiritual health.

For me, because of our increased Net Worth, we chose to buy a condo near Waikiki and Ala Moana Beach. The scenery is beautiful and my family can play in the ocean, watch fire works on Fridays, play in the park.

I have more free time and meditate, which has helped me the most!

#2 Education Achievement Highly Correlated With Good Health Independent of Income

The study by the Urban Institute mentions briefly that education achievement is strong predictor of health independent of income (citing Cutler, D. M. and E. Lleras-Muney.2006. “Education and Health: Evaluating Theories and Evidence”. NBER Working Paper No. 12352. Cambridge, MA: National Bureau of Economic Research.)

In my case, I could attest to this. I have various education achievements, and because of this, I do understand the relationship between nutrition, exercise and health.

So even when I was living below poverty level, I still exercised daily.

Higher income families have the ability to send their children to private schools, get tutoring and pay for other extra curricular activities like music and sports.

I did notice that elite colleges, a significant proportion of students come from private schools.

#3 Can Afford Health Care Services, Insurance and Co-Pays

I didn’t go to the dentist regularly until I got a full time job. The reason was I didn’t have dental insurance.

Now that I’m wealthier, I go to the dentist regularly for cleanings.

When I was in my 20s, I never went to the doctor. I was never so sick that I had to go, and I also did not have insurance.

Now that I’m wealthier, I go to the doctor to get annual check ups.

When you are poor, you may be like I was, and have no health insurance.

Even if you had health insurance, it might be hard to pay the co-pays (about $20 per doctor visit).

#4 Better Jobs Have Better Benefits and More Flexibility for Preventative Care

Before I had a full time job, I didn’t really have the benefit of taking time off to go to the doctor.

I didn’t get sick pay. If you didn’t show, you weren’t paid.

So if I needed money, then I would go to work even if I was sick.

With the better paying bank job, I noticed that everyone went to the doctor and dentist on a regular basis.

It was like a different world.

#5 Can Afford a Healthy Lifestyle

When I worked for the bank, I had the money to buy a surf board and a bike for triathlons.

I had the time to go surfing everyday and train for sporting events.

I could join the gym and started going to yoga classes, circuit training, etc.

#6 Can Afford More Nutritious Food

#7 Better Living Environment


Back when I used to work a job, and was a mom and was building this Finance Freedom business…I used to have a sniffy nose when I woke up and did my 6:30am weekly webinar on this blog.

As you can see now, I wake up and I’m healthier.

From what I can see, as my Net Worth and Passive Income increased, I have been able to drastically increase my sleep, increase my enjoyment of life and improve my health.

Why not take control of your finances, start improving your Passive Income and Net Worth in a systematic way?

If you don’t know how, then CLICK HERE, enter your name and e-mail and watch the free video.

Love and Money 15 Secrets to Wealth and Abundance

How to Stay Accountable to Your Goals with an Accountability Partner

Have you ever paid your business associate $500 because you slept in?

Well I have, and here’s why…

It’s a story that dates back to when I met with a life coach at a charity dinner, and I asked him for some advice.

You see, at the time, I knew that I could grow my business if I could just wake up early enough to work about an hour before I headed out to work everyday.

However my problem was I couldn’t get up.

The life coach told me asked me if I was motivated by pain or pleasure.

I admitted it was pain that motivated me.

Then he gave me a method to get me to wake up early, not matter how tired I was…and it worked.

It’s a method that you can do to get motivated to do anything.

Step 1: Are you motivated by Pain or Pleasure?

There are a few steps to the method.

The first step is to find out what motivates you: pain or pleasure?

If you are motivated by pain, then you will do something to avoid pain.

For example, I don’t drink alcohol because I don’t like the lethargy that I feel the next day. I also don’t like the fact that its a poison that hurts my liver.

Or another example, I worked a job and avoided overtime because I wanted to avoid the pain of being scolded by my supervisor.

Someone motivated by pleasure would be like a sales person who will be more productive if they get a more money for selling more.

Maybe you will get your work done efficiently and quickly because you can get home earlier and have the pleasure of spending time with your family.

So, figure out for yourself, what motivates you more, pain or pleasure?

Find an Accountability Partner

When I met the life coach who taught me this method, I was a part of a Network Marketing company at one of our conventions.

So when I sat down for one of the sessions, they asked us to talk to the person next to us and share our goals.

I told him that I wanted to find an accountability partner, and he volunteered to be mine.

I happened to know him, as we had met at previous conventions, however, I had never worked with him before.

It turned out that he ended up being a really good accountability partner.

You may or may not be in a company where mutual interests will steer you towards your accountability partner.

For you it could be a friend or a family member.

Find someone who can help you stay accountable to your goals.

Agree on Your Goal and Choose Your Pain/Pleasure

After you find your accountability partner, let them know what your goal is and how you want to be punished/rewarded for it.

In my case, my goal was to wake up early enough so that I could work on my business for 1 hour in the mornings before I went to work.

So we decided that I would text him when I woke up, and decided I had to text him by 5:45am.

We also decided that my pain would be to pay $500.

That was large enough that I would be extremely motivated not to lose the money.

I gave him 2 checks, each payable for $500. If I didn’t wake up and text him by the appropriate time, he could go ahead and cash one of the checks.

This was what I did.

However, it doesn’t have to be money.

It could be anything that motivates you.

An example of a pleasure motivation would be giving your accountability partner something that you want. Maybe giving him 2 cashier’s checks, and when you make a certain goal, he will mail you the check as a reward.

Stay Accountable and Be in Integrity

The first time I slept in and didn’t check in by text, my accountability partner gave me a break, and didn’t cash the check.

However, the 2nd time I did, he cashed it.

Even though it did hurt to pay out $500, and I was upset with myself for sleeping in (I shut my phone off and forgot to turn it back on when I went to bed), I was ok with paying the money because I had made this accountability pact and I was going to stand by it.

Because of it, I was able to grow a business part time even though I worked a full time job and I was a mother and wife.


If you want to get motivated towards a goal, an accountability partner can help a lot.

It’s especially hard to stay motivated if you are doing a goal on your own, such as building your own business or training for an ironman.

Using an accountability partner is a way to keep you motivated and make sure you do what you want to do.

Let me know about your thoughts in the comments below!


I want to introduce myself and let you know a little bit more about me.

I used to have over $30,000+ in debt back in 2010, and a negative Net Worth.

I paid it all off and became completely debt free in April of 2016, and quit my job in December 2016 to be a full time Mom and Wife.

At the time our family was making about $500/month in passive income from investments we had been growing over the years.

In 2017 we bought our first condo together in Waikiki, and went on 5 weeks of vacation, including my first cruise from Los Angeles to Mexico.

At the end of 2017, our passive income is about $600/month and still growing.

If you haven’t already, enter in your first name and e-mail and I will send you a free copy of The Working Parents Guide to Financial Freedom.

If you want to get personalized assistance then CLICK HERE, enter your name and e-mail address, and watch the free video!

How To Reverse Fees, Lower Interest Rates, and Keep More Of Your Money

How To Reverse Fees, Lower Interest Rates, and Keep More Of Your Money

Want to know how to reverse fees, lower interest rates, and keep more of your money?

Well, you have come to the right place.

In fact, today I just got off the phone with my brokerage company and had them credit back a fee for $75.00 to my account and a fee of $75 to my son’s HUTMA account.

That’s right, I made back $150 in about 15 minutes.

That equals about $600/hr.

So, watch the video training and follow the steps below to reverse fees, lower interest rates, and keep more of your money!

How To Reverse Fees

To reverse a fee, call the issuer of the fee and ask them to credit it back.

Depending on the circumstances, they will either credit it back, not credit it back, or partially credit it back.

If you are transferring money from an old bank to a new bank, then you can also ask the new bank to credit you any transfer fees that the old bank charged.

Usually, you can get the first fee credited back. If you get the fee a 2nd or a 3rd time, they may not credit you back.

Fix the problem that caused the fee, and then ask for them to credit it back.

How To Lower Interest Rates

Get a notebook handy.

Write down the date and time, then call your credit card/loan company.

Ask for the name of the person you are speaking to and write it down.

Then tell them you are calling because you want to lower your rate and ask for the rate that you want.

Write down what they say.

If they lower it, great!

If not, then ask to speak to their manager.

Write down the manager’s name and what they say.

If they don’t lower your rate, ask for their manager…on up to the president if you have to (I did for one of my credit cards).

With each request, summarize like this:

“On January 10 I called Janice and asked for my interest rate to be lowered to XXX and she told me to speak to her manager Bob. He told me to speak to Shirley. I spoke to Shirley on February 11 and she then told me to speak to you. I’m calling because I would like my interest rate lowered to XXX”

Keep track and keep calling until you get the interest rate you want.

Keep More of Your Money

When these methods were taught to me, I was making maybe $17/hr at my job. I realized that reversing 1 fee of $30.00 was almost 2 hours of my time at my job!

You work hard for your money, now be smart and strategic and keep more of it too.


In this post I shared with you knowledge given to me by a young man who was already financially free at 35.

When he taught this to me over the phone, I actually cried, because it was sincere and effective advice that I really needed. I’m eternally grateful that this information was passed on to me and I am now passing it on to you.

If you actually follow it, and take the steps to reverse fees, and lower your interest rates, then you will see that you will grow your ability to negotiate, and keep more of your money.

I’m a mother and a wife, but I’m also in the business of helping you become Financially Free as quickly as possible.

I used to have over $30,000+ in debt back in 2010, and a negative Net Worth. I understand the stress of having debts from credit cards and lines of credit, that I know will take years to pay off.

Though it was stressful for me at the time, I used these tools and lowered the interest rates on ALL of my credit cards.

I became completely debt free in April of 2016, and quit my job in December 2016 to be a full time Mom and Wife, and to create a mastermind coaching program where I mentor working parents to become financially free.

If you want to get personalized assistance in becoming financially free, or know someone who does, then CLICK HERE, enter your name and e-mail address, and watch the free video!

The 7 Steps To Your Financial Fast Track - Robert Kiyosaki's The CashFlow Quadrant

The 7 Steps To Your Financial Fast Track – Robert Kiyosaki’s The CashFlow Quadrant

Want to know the 7 Steps to Finding Your Financial Fast Track?

From The Cashflow Quadrant by Robert Kiyosaki, and his board game Cashflow, the Financial Fast Track is destination and journey you go on after you get out of the rat race.

To get on the Financial Fast Track, your passive income has to be greater than your expenses, so that you don’t have to work your job for a living anymore.

On the Financial Fast Track, you focus on investments, business acquisitions and growth, community projects, meeting powerful and influential people and going on amazing vacations.

So, let’s get started and see what The Cashflow Quadrant says about finding your financial fast track!

Step 1: It’s Time To Mind Your Own Business

The first step is to know that you are a business, and to operate your finances like a business.

Robert Kiyosaki stresses the importance of realizing that your assets are your business, because they produce income for you. (Example: rental property, dividend yielding stocks, a business you own but don’t run)

When you are working for someone else, you are not minding your business, you are minding your boss’s business.

When you are spending money on your mortgage, you are minding your banker’s business (your mortgage is actually a liability).

When you are buying things, you are minding the vendor’s business.

So step #1 is to start minding your own business, keeping track of and growing your assets.

Robert Kiyosaki recommends doing a financial statement by filling out the game card in his board game Cashflow with your real life numbers.

FormSwift has a good financial statement tool to help you create your financial statement. CLICK HERE and do your financial statement for this month!

You will need it for Step 2 =)

Step 2: Take Control of Your Cash Flow

Step 2 builds on step 1, and now you get to work with your own financial numbers and take control of your cash flow.
1) Review your financial statements.
2) Determine whether you receive your income from a) employment b) self employment c) business d) investments
3) Determine where you would like to receive most of your income from in 5 years (from a) employment b) self employment c) business d) investments?)
4) Pay yourself first – set out a certain percentage of your pay and deposit into an investment savings account, where it is only used for investing
5) Focus on reducing your personal debt

Step 3: Know The Difference Between Risk and Risky

Robert Kiyosaki stresses here that it is risky to rely on a job your whole life for your income.

It is a lack of financial literacy that is risky.

Smart investors take risks, but they research first and know what the risk is.

Instead of just saying things like investing is risky, he advises to really examine what is risky with the following questions:

1) Define risk in your own words.
a) Is relying on a paycheck each month risky to you?
b) Is having debt to pay each month risky to you?
c) Is owning an asset that generates cash flow into your pocket each month risky to you?
d) Is spending time to learn about financial education risky to you?
e) Is spending time learning about different types of investments risky to you?

2) Commit to 5 hours of your time each week to do one or more of the following:
a) Read the business page of your newspaper and the Wall Street Journal.
b) Listen to the financial news on television or radio.
c) Listen to educational cassettes on investing and financial education.
d) Read financial magazines and newsletters.

Step 4: Decide What Kind of Investor You Want To Be

Robert Kiyosaki says that there are 3 types of investors A, B and C.
Type A Investor: Solves Problems
Type B Investor: Looks for Solutions
Type C Investor: “I know nothing”

He recommends you be all 3.

So in most areas you will be a Type C investor. His example is that he doesn’t know what mutual funds to buy or what stocks to pick.

In 1 area, you will become a Type A Investor, and become an expert. People will come to you with their money to invest with you.

In some areas, where you have friends who are experts, you can invest your money into their deals and you will be a Type B investor.

Do not diversify your investments, specialize in 1 field and become an expert.

Step 5: Seek Mentors

Robert Kiyosaki stresses the importance of finding coaches and mentors to train you in the skills that you want.

Professionals have coaches, amateurs do not.

If you want to get on the Financial Fast Track, you need a mentor or coach who has gotten to where you want to go.

If you can’t find a mentor at work, then go out to Trade Shows, Seminars, and business meetings until you do.

Step 6: Make Disappointment Your Strength

There are 4 suggestions Robert Kiyosaki has to make disappointment your strenghth.

1. Expect to be disappointed
When you do something new, like start a business or become an investor, it’s highly probably that you will make a lot of mistakes as you learn. To be emotionally prepared to keep going, expect these disappointments and you’ll make it through in the end.

2. Have a mentor standing by
When you go into a tough negotiation or are doing a new deal, have your mentors numbers on hand so you can call them for advice or help.

3. Be Kind To Yourself
When you make mistakes, be kind to yourself.
You are brave and you are courageous for going for your dreams.
Give yourself words of encouragement, you can do this!

4. Tell the Truth
When things go wrong, admit it.

Take the consequences, learn from your mistakes and move on.

Per Robert Kiyosaki’s Rich Dad – “The size of your success is measured by the strength of your desire; the size of your dream; and how you handle disappointment along the way.”

Step 7: The Power of Faith

Listen to the words that you say to yourself.

They are a window into your soul.

Robert Kiyosaki uses this sentence that people will say instead of taking action “I can’t stop working and start my own business. I have a mortgage and a family to think about.”

He says what you might be saying is “I’m tired. I don’t want to do anything more.”


“I don’t really want to learn anything more.”

But these are personal lies, because if this person dug deeper, they really mean “The truth is I love learning new things. I would love to learn new things and be excited about life again. Maybe whole new worlds would open to me.”

Dig deep down and find the real truth within your soul.

Believe in yourself and start finding your financial fast track today!


Robert Kiyosaki has great advice and action steps to get on the Financial Fast Track.

To learn through play, go and play his board game Cashflow. On advice from a financially free friend, I played that game every week for over a year back in 2011 – 2013.

It trained me to look for assets that will generate passive income, and now I have multiple passive income generating assets in my Financial statement.

I went from over $35,000 in credit card and consumer loan debt in 2011 to becoming debt free in April of 2016.

I quit my job at a local bank here in Hawaii in December of 2016 and now I lead Finance Freedom Masterminds, where members create passive income and work towards financial freedom.

If you want to work with a supportive network of people all working towards financial freedom then CLICK HERE, enter your name and e-mail, and watch the free video to get started!

Love and Money 15 Secrets to Wealth and Abundance

How To Invest in Real Estate Investment Trusts for Passive Income

What is a ‘Real Estate Investment Trust – REIT’

A real estate investment trust, or REIT, is a company that owns, operates or finances income-producing real estate. For a company to qualify as a REIT, it must meet certain regulatory guidelines. REITs often trades on major exchanges like other securities and provide investors with a liquid stake in real estate.

BREAKING DOWN ‘Real Estate Investment Trust – REIT’
REITs are not a new financial innovation. Established by Congress in 1960 as an amendment to the Cigar Excise Tax Extension of 1960, REITs operate in a manner comparable to mutual funds as they allow for individual investors to acquire ownership in commercial real estate portfolios that receive income from properties such as apartment complexes, hospitals, office buildings, timber land, warehouses, hotels and shopping malls.

Most REITs specialize in a specific real-estate sector – for example office REITs or healthcare REITs. Within this space, REITS must purchase and operate its holdings as a part of its portfolio. In most cases, REITs operate by leasing space and passing on collected rent payments to its investors in the form of dividends.

REIT Guidlines
A company must meet the following requirements to be qualified as a REIT:

Invest at least 75% of its total assets in real estate, cash or U.S. Treasuries
Receive at minimum 75% of its gross income from rents from real property, interest on mortgages financing real property or from sales of real estate
Pay a minimum of 90% percent of its taxable income in the form of shareholder dividends each year
Be an entity that is taxable as a corporation
Be managed by a board of directors or trustees
Have a minimum of 100 shareholders
Have no more than 50% of its shares held by five or fewer individuals
Different REIT Categories
REITs typically fall within three categories.

Most REITs are equity REITs. Equity REITs invest in and own income-producing real estate properties and give investors the opportunity to invest in these portfolios. They must distribute at least 90% of the portfolio’s income to its shareholders in the form of dividends.
Mortgage REITs invest in and own property mortgages. These REITs loan money to real estate owners and operators not only for mortgages but also for different types of real estate loans or through purchasing mortgage-backed securities. Their earnings are generated primarily by the net interest margin, the spread between the interest they earn on mortgage loans and the cost of funding these loans. This model makes them potentially sensitive to interest rate increases.
Hybrid REITs invest in both properties and mortgages.
How to Invest in REITs
Individuals can invest in REITs either by purchasing their shares directly on an open exchange or by investing in a mutual fund that specializes in public real estate. Some REITs are SEC-registered and public, but not listed on an exchange; others are private.

Many REITs will invest specifically in one area of real estate—shopping malls, for example—or in one specific region, state or country. Others are more diversified. There are several REIT ETFs available, most of which have fairly low expense ratios. The ETF format can help investors avoid over-dependence on one company, geographical area or industry.
(Information from

What is ‘REIT ETF’

REIT ETF is exchange-traded funds that invest the majority of assets in equity REIT securities and related derivatives. REIT ETFs are passively managed around an index of publicly traded real estate owners; indexes may vary from provider to provider but two popular benchmarks are the MSCI U.S. REIT Index and the Dow Jones U.S. REIT Index, both of which cover about two-thirds of the aggregate value of the publicly-traded REIT market domestically. REIT ETFs are characterized by their above-average dividend yields.
(Information taken from

List of Real Estate Investment Trusts
CLICK HERE to get a list of real estate investment trusts


Real estate investment trusts are a way for an investor to start getting into the real estate market without putting down a 30% down payment.

With any investment there is risk, so do your research and see if investing in REITs is right for you!

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Data and statistics contained in this commentary are obtained from what Yes Financially Free considers to be reliable sources; however, its accuracy, completeness, or reliability cannot be guaranteed.

Investing in securities involves risk, including possible loss of principal.
Past performance is not an indication of future results.

Diversification, asset allocation strategies, automatic investing plans and dollar-cost averaging do not ensure a profit and do not protect against a loss in declining markets. Investors should consider their financial ability to continue their purchases through periods of low price levels.

Stocks fluctuate in response to the activities of individual companies and general market conditions, domestically and abroad. Investments in mid and small-cap stocks typically have higher risk characteristics than large cap stocks and may be subject to greater price fluctuations than large-cap stocks.

All bonds and fixed income products are subject to a number of risks, including the possibility of issuer default, credit risk, market risk, and prepayment and extension risk. In general, bond prices rise when interest rates fall and vice versa. This effect is usually more pronounced for longer-term securities. Lower-quality fixed-income securities generally offer higher yields, but also carry more risk of default or price changes due to potential changes in the credit quality of the issuer. Adverse conditions may affect the issuer’s ability to pay interest and principal on these securities and, as a result, they may have a higher probability of default.

Foreign investments may involve greater risks than U.S. investments, including political and economic risks, concentration risks, liquidity risks, and the risk of currency fluctuations, all of which may be magnified in emerging markets. Emerging and frontier market investments are subsets of foreign investments. Emerging markets are rapidly developing politically and economically, but present a greater degree of these foreign investment risks because of the developing stage of the emerging market. Frontier markets are in early stages of economic and/or political development and are even less developed than emerging markets. As such, risks associated with foreign investments may be significantly greater in a frontier market compared to emerging markets and foreign investments generally.