11 Secrets To Make Money With Your Mind

Read this like your life depends on it…because financially, it does.

“In late 1974, I purchased a small condominium on the fringes of Waikiki as one of my first investment properties.  The price was $56,000 for a cute two-bedroom, one-bath unit in an average building.  It was a perfect rental unit…  and I knew it would rent quickly.

I drove over to my rich dad’s office, all excited about showing him the deal.  He glanced at the documents and in less than a minute he looked up and asked: “How much money are you losing a month?”

“About $100 a month,” I said.

“Don’t be foolish,” rich dad said.  “I haven’t gone over the numbers, but I can already tell from the written documents that you’re losing much more than that.  And besides, why in the world would you knowingly invest in something that loses money?”

“Well, the unit looked nice, and I thought it was a good deal.  A little paint and the place would be as good as new,” I said.

“That doesn’t justify knowingly losing money,” smirked rich dad.

“Well, my real estate agent said not to worry about losing money every month.  He said that in a few years the price of the unit will double, and in addition, the government gives me a tax break on the money I lose.  Besides, it was such a good deal that I was afraid someone else would buy it if I didn’t.”

Rich dad stood and closed his office door.  When he did that, I knew I was about to be chewed out as well as be taught an important lesson….

…On that day, I learned more about money and investing than I had in all my previous 27 years of life.”

(pp. 97-98 of The Cashflow Quadrant by Robert Kiyosaki)

The 11 Secrets to Make Money With Your Mind

1) How to handle “You can’t do that” – when you bring up a winning investment proposal, your advisors/realtors/etc may say “You can’t do that”. What they really mean is “They can’t do that”. It does not mean that it can’t be done. Don’t listen, make it happen.

2) $1.4 Trillion Looking for a home – everyday money is circulating electronically, it is invisible because most of it is electronic. If you know how to take care of money, money will flock to you, and be thrown at you. People will beg you to take it.

3) Train your eyes to see only 5% and your mind to see 95% when you invest – “The average person is 95 percent eyes and only 5 percent mind when they invest,” said rich dad. Be sure to only take advice from people who actually know what they are doing, and know their numbers…who know how to take care of money.

4) Train your brain to see money – The ability to make money begins with financial literacy, with understanding the words and the numbers

5) Know what real risk is – understand each investment, and how much is put in, how much the costs are, the return, possible set backs and pluses, practice with small investments and work your way up. Practice, practice, practice

Bad advice is risky – most people learn about money by modeling what their parents did with money, they hear advice or see what others do, and they can’t tell the difference between good and bad advice

6) Your advisors are only as smart as you – If you are financially naive, they must by law offer you only safe and secure financial strategies. If you are an unsophisticated investor, they can only offer low risk, low yield investments. They’ll often recommend “diversification” for unsophisticated investors. Few advisors take the time to teach you. Their time is also money. So if you will take it upon yourself to become financially educated and manage your money well, then a competent adviser can inform you about investments and strategies that only a few will ever see. But first, you must do your part to get educated. Always remember, your adviser can only be as smart as you.”

7) Know the difference between an asset and a liability

8) Understand THE GAME OF MONEY – Who is indebted to whom?

Money is debt – The more people you are indebted to, the poorer you are.
Words that lure you into the losing position of the game are:

“Low down, easy monthly payments”

“Don’t worry, the government will give you a tax break for those losses”

Who owes you?

The more people who owe you, the richer you are.

9) What is your interest rate…really?

10) If you take on debt and risk, you should be paid.

11) Understand the difference between facts and opinions
Common opinions are:
“You should marry him. He’ll make a great husband.”
“Find a secure job and stay there all your life.”
“Doctors make a lot of money.”
“They have a big house. They must be rich.”
“He has big muscles. He must be healthy.”
“This is a nice car, only driven by a little old lady.”
“There is not enough money for everyone to be rich.”
“The earth is flat.”
“Humans will never fly.”
“He’s smarter than his sister.”
“Bonds are safer than stocks.”
“People who make mistakes are stupid.”
“He’ll never sell for such a low price.”
“She’ll never go out with me.”
“Investing is risky.”
“I’ll never be rich.”
“I didn’t go to college so I’ll never get ahead.”
“You should diversify your investments.”
“You shouldn’t diversify your investments.”

Do you due diligence.

Understand the investment, do the math yourself, ask all the questions, after you analyze, act.

11 Tips From Young Financially Free Entrepreneurs on Wealth, Passive Income and Investing

Did you know that over the last 7 years, I paid off almost $50,000 in debt, create a passive income stream that pays me monthly, and also increase my Net Worth to over $100,000?!?

Not only that, I became completely debt free in April of 2016 and left my bank job on December 23rd of the same year.

I have gone from working over 80 hours a week for money to now working less than 5 hours per week for money, as an internet entrepreneur who helps other mothers create financial freedom.

I had a lot of help along the way, from young financially free entrepreneurs in their 20s, 30s, and 40s.  

Here are 11 tips that I learned that changed my life on wealth, passive income and investing.

11 Tips From Young Financially Free Entrepreneurs on Wealth, Passive Income and Investing

Tip #1 – The Habit of Saving is Important (Not the amount)
You would think that saving a lot of money makes you rich, and saving a little won’t.

However, the key is not how much you save, it’s the habit of saving. So, every time you have money come into your life, you take at least 10% and pay yourself first (meaning you save it for investing).

If you are waiting until you have more money to save, then you will never be rich.

The reason you don’t have enough money to save, is because you don’t have a savings habit.

Even if you have to borrow an extra dollar every month just to save money, do that, and at least start saving every month. Make it a habit.

Tip #2 – Understand The Rule of 72 and How Interest Rates Work So You Can Grow Investments and Grow Debt

The ‘Rule of 72’ is a way to determine how long an investment will take to double.

72 / Rate = Years to Double Your Money

Example:

72 / 14.99 = 4.8 years to double your money

Now you can see why it’s important to lower all of your debt interest rates as low as possible, and to increase the rate of return on your investments.

Tip #3 – Play Cash Flow (Board Game created by Robert Kiyosaki) every week until you can win the game in 30 minutes or less every time

This game really had me focus on financial freedom, rather than what everyone else does…focus on making more money so they can spend more money.

Financial Freedom = Passive Income > Expenses

When you play the game, you have to increase your passive income to be greater than your expenses.

If you’re passive income does not increase, you cannot get out of the rat race.

This helped me really focus on my passive income.

Tip #4 – 8% is the Minimum Return for Real Estate Investors, Don’t Invest in Real Estate Overseas Unless You Have a Resident Manager

So I was thinking of buying property outside of Hawaii at one point, and I talked to my wealth real estate investor friend, and he told me this advice.

First of all, I wanted to buy the house I lived in, but it was on the market for $1,000,000+. So I needed an investor to go in with me.

However, when I asked my real estate investor friend, he said that no investor would go in on that deal, because they would only be making 4%.

Then I looked to make money buying property in Las Vegas or LA, and then he advised me not to invest overseas unless I had a resident manager. The reason is if you have only one house or condo that you are renting, then if something goes wrong, you have to rely on a Property Manager, and they are not going to care about 1 small property owned by someone far away.

Repairs will be more expensive, and your tenancy rates will be worse, because they won’t look for new renters right away. You will be low priority.

The only way to keep expenses down is to have a resident manager.

Tip #5 – Have a Big Burning Why
If you don’t why you want to be financially free, then when obstacles come (and they always do), you will not get past them.

A burning desire fuels the energy you need, to learn what you have to learn, to make mistakes and learn from them and keep on going, no matter what.

My friend’s big why was that he felt embarrassed by his lack of wealth, and had great pride. And he also wanted before his dad died, so he had a time limit too.

Tip #6 – Negotiate With Your Creditors (Debt, Credit Cards) to Lower Your Interest Rate

So, when I got this advice, I had at least 3 credit cards that I had debt on. And the interest rates were all pretty high. When I heard this advice, it really helped me. I used it to lower the interest on ALL of my credit cards…so it works.

Her
Tip #7 – Track Your Net Worth

Tip #8 – Set The Next Big Goal Before The Current Big Goal is Achieved

Tip #9 – Do The Mental Work

Tip #10 – Only Take Advice From People Like You, Who Already Do What You Want To Do

Tip #11 – READ, READ, READ
Rich Dad Poor Dad by Robert Kiyosaki
The Cash Flow Quadrant by Robert Kiyosaki
Money is My Friend by Phil Laut
The Richest Man In Babylon by George Clason
Secrets of the Millionaire Mind by T Harv Eker
Your Money or Your Life by Joe Dominguez & Vicki Robin
It’s Not About The Money by Brent Kessel
How To Make A Hell Of a Profit and Still Get To Heaven by John DeMartini
The Values Factor by John DeMartini
You Can Heal Your Life by Louise L. Hay

5 Biggest Mistakes People Make When Investing in Real Estate

Would you like to avoid the 5 Biggest Mistakes People Make When Investing in Real Estate?

Well, pay close attention to today’s training and learn what I’ve learned from multiple millionaires who are successful real estate investors, including Tom Wheelwright from his book Tax-Free Wealth, and Robert Kiyosaki from his book Rich Dad Poor Dad.

 

5 Biggest Mistakes:

1) Thinking that buying a home to live in is an investment

-People end up using all of their savings as a down payment

-They stop saving when they realize how big their mortgage is

-end up paying money to the bank in mortgage interest

-they spend all their time improving and maintaining their house

-they don’t get experience as an investor

-Property taxes might increase at any time, causing some home owners to have to sell their homes

– Consolidating debt with home equity loans often causes increased spending, which leads to further debt

2) Not properly looking at the cash flow of an investment property

-Property Taxes

-Insurance (mortgage insurance, hazzard insurance, flood insurance, etc)

-Maintenance (plumbers, handy men, roof repair, leaks, etc)

-Management (handle rental laws, and evictions, filling vacancies, screening renters)

-Tenancy Vacancies

-Cost of down payment

-Cost of mortgage fees, points, interest

-Fixed interest mortgages vs adjustable rate

-Legal fees

-Accounting fees

-Tax prep fees

3) Buying your first rental property out of state, or out of your country

-Paying more for maintenance (not being able to check work)

-Management will be less likely to service you (as you are farther away)

-Cost to visit your property

-Lacking experience to run your own property and not gaining it as the property is out of state or out of the country

4) Not Claiming Depreciation for the building

According to Chapter 7 of Tax-Free Wealth, by Tom Wheelwright, one of the biggest mistakes people make, is that they do not claim depreciation of their real estate investment property.

Why, it’s because they are lazy, or their CPA is lazy, or they are ignorant of this important deduction.

In his example, he shows what would happen if you have an investor who buys an $800,000.00 apartment building that cash flows $12,000/yr, or $1,000/mo.

$800,000 (cost of home)
-$200,000 (cost of land)
$600,000 (cost of building and contents)
-$100,000 (cost of contents)
=$500,000 (cost of building)

$500,000
x 3.6% (depreciation for building)
=$18,000 (depreciation deduction)

Without claiming depreciation for the building, you would have to pay taxes on the $12,000 earned from the rental property.

When you claim the $18,000 in depreciation, the rental income is completely tax free, because your business claims a loss of -$6,000!

Not only that, if you structured it properly, the -$6,000 will pass through to your ordinary income tax, reducing your taxable income by $6,000!

5) Not Claiming Depreciation for the contents of your rental property

Tom Wheelwright points out that separating the contents from the value of the building alone is the proper way to file your taxes.

There must be a study conducted by either a CPA or an engineer to evaluate which parts of the investment property are considered contents, and which parts are considered the building structure.

The good thing for an investor, is that contents depreciate at a much faster rate than the building, which leads to a higher percentage used to calculate the depreciation of contents vs. the building structure.

In his example which I showed above, the contents of the building were valued at $100,000.

$100,000 (contents of the apartment building)
x 20% (depreciation for contents)
=$20,000 (depreciation deduction)

So, with the building depreciation, you can reduce not only the taxes on the rental income (you pay no taxes), you also reduce your personal taxable income even more!

$12,000 (rental income)
-$18,000 (building depreciation)
-$20,000 (contents depreciation)

Conclusion

11 Key Steps to Finance Your FREEDOM

Would you like 11 key steps to get you on the path to financing your freedom?

I’m talking about time freedom, the freedom to choose your lifestyle, the freedom to work on your own projects, take a day to meditate and work out, go to matinees with your spouse…whatever you want.

Do you want real freedom in your life, so that you have time time to really explore what you were meant to achieve, bring forth and accomplish on this planet?

That’s what today’s video training is all about, the 11 Key Steps to Finance Your FREEDOM.

Freedom is a lot closer than you think!

Would you like 11 key steps to get you on the path to financing your freedom?

I’m talking about time freedom, the freedom to choose your lifestyle, the freedom to work on your own projects, take a day to meditate and work out, go to matinees with your spouse…whatever you want.

Do you want real freedom in your life, so that you have time time to really explore what you were meant to achieve, bring forth and accomplish on this planet?

That’s what today’s video training is all about, the 11 Key Steps to Finance Your FREEDOM.

Freedom is a lot closer than you think!

P.S. I left my bank job on Dec 23, 2017 and have since been helping become financially free faster, CLICK HERE to see how I can help you spend more time with your families, and doing what you love!

Dividend Stock Review of ETP: ENERGY TRANSFER PARTNERS L P

It’s a windy evening in Honolulu Hawaii, and I’m in a cafe with my Mom blogging a review of a potentially high dividend yielding stock ETP – Energy Transfer Partners LP...

If you are interested in Financial Freedom, you might be like me and are interested in creating more and more passive income for yourself…

…well, I’ve been investing for dividends for over 5 years now and it’s been a bit of trial and error, and also has motivated to research all of the best higher yielding stocks available…

…so let’s dive into today’s pick, ETP – Energy Transfer Partners LP!

ETP is earning 12.81% so should you invest in this company?

Read on to find out more…

It’s a windy evening in Honolulu Hawaii, and I’m in a cafe with my Mom blogging a review of a potentially high dividend yielding stock ETP – Energy Transfer Partners LP...

If you are interested in Financial Freedom, you might be like me and are interested in creating more and more passive income for yourself…

…well, I’ve been investing for dividends for over 5 years now and it’s been a bit of trial and error, and also has motivated to research all of the best higher yielding stocks available…

…so let’s dive into today’s pick, ETP – Energy Transfer Partners LP!

ETP is earning 12.81% so should you invest in this company?

Read on to find out more…

Energy Transfer Partners LP (Tickler Symbol: ETP)

Let’s get straight to the point, as of today 4-11-16 ETP is yielding 12.81% on a quarterly basis, and the last dividend earnings date was on 2/16/16.

The price per share at close of trading was $32.37, and it’s lowest price in the last 52 weeks occurred on 2/9/16 at $18.62, which was 5 days after the ex-dividend date on 2/4/16.

The highest price in the last 52 weeks was $59.37 on 5/1/15, so over the last year the price has decreased by roughly 50%.

From 1997 to 2000 the price averaged at $10/share, after which it steadily increased as high as $64.79/share on 1/1/2015.

Financials for the company can be accessed here

Etrade describes ETP as follows:

“Energy Transfer Partners, L.P. is a master limited partnership. The Company’s operating segments include Intrastate Transportation and Storage segment; Interstate Transportation and Storage segment; Midstream segment; Liquids Transportation and Services segment; Investment in Sunoco Logistics segment; Retail Marketing segment and All Other segment. It is engaged in natural gas operations, including natural gas midstream and intrastate transportation and storage, and interstate natural gas transportation and storage; Liquids operations, including NGL transportation, storage and fractionation services; product and crude oil operations, including product and crude oil transportation, terminalling services and acquisition and marketing activities and retail marketing of gasoline and middle distillates. It is managed by its general partner Energy Transfer Partners GP, L.P. Its brands include Sunoco, Stripes, Aplus, Aloha Island Mart, Exxon, Valero, Mobil, Shell and Chevron, among others.”

J.P. Morgan’s Review of ETP

Per TheStreet J.P. Morgan put out the following favorable review of ETP: “Double digit distribution secure, market underappreciates ETE support. We believe ETP has outlined a clear path to funding needed through YE16, after which ETP should start to realize the benefit of the ~$10bn of projects under construction. The ~$2.2bn drop down to SUN announced at the recent Analyst Day pre-funds nearly 70% of planned 2016 equity needs, with the potential for non-core asset sales and/or IDR waivers on future equity issuance to cover the balance. ETE’s growth depends upon a strong ETP, and we believe ETE will do what it takes to defend ETP.”

I looked up information on (ETE) ENERGY TRANSFER EQUITY L P COM UT LTD PTN and here is what Etrade has to say about it:

“Energy Transfer Equity, L.P. (ETE) is a limited partnership company. The Company, directly and indirectly, owns equity interests in Energy Transfer Partners, L.P. (ETP) and Regency Energy Partners LP (Regency), both of which are master limited partnerships engaged in diversified energy-related services. Its segments include Investment in ETP, including the consolidated operations of ETP and Regency; Investment in Lake Charles LNG, including the operations of Lake Charles LNG Company, LLC (Lake Charles LNG), and Corporate and Other, including the activities of ETE. The Company’s Lake Charles LNG provides terminal services for shippers by receiving liquefied natural gas (LNG) at the facility for storage and delivering such liquefied natural gas (LNG) to shippers. It, through ETP, operates various brands, such as Sunoco, Stripes, Aplus, Aloha Island Mart, Exxon, Mobil, Valero, Shell and Chevron. In March 2015, ETE transferred its 45% interest in the Bakken Pipeline project to ETP.”

Upon further research, I found that in early April a lawsuit was filed against ETE, by it’s potential merging partner Williams Cos.  The dispute is over the offering of preferred shares of ETE to ETE’s stockholder’s, without including Williams’ stockholders.

It is unclear how to lawsuit will pan out and whether their merger will be successful.

TheStreet’s review pointed up some valid points regarding the strengths and weaknesses of ETP.

  • Net operating cash flow has significantly increased by 104.27% to $860.00 million when compared to the same quarter last year. In addition, ENERGY TRANSFER PARTNERS -LP has also vastly surpassed the industry average cash flow growth rate of -26.50%.
  • Along with the very weak revenue results, ETP underperformed when compared to the industry average of 36.8%. Since the same quarter one year prior, revenues plummeted by 55.8%. Weakness in the company’s revenue seems to have hurt the bottom line, decreasing earnings per share.
  • Despite any intermediate fluctuations, we have only bad news to report on this stock’s performance over the last year: it has tumbled by 46.65%, worse than the S&P 500’s performance. Consistent with the plunge in the stock price, the company’s earnings per share are down 77.27% compared to the year-earlier quarter. Although its share price is down sharply from a year ago, do not assume that it can now be tagged as cheap and attractive. The reality is that, based on its current price in relation to its earnings, ETP is still more expensive than most of the other companies in its industry.
  • The debt-to-equity ratio of 1.30 is relatively high when compared with the industry average, suggesting a need for better debt level management. Along with the unfavorable debt-to-equity ratio, ETP maintains a poor quick ratio of 0.86, which illustrates the inability to avoid short-term cash problems.

Conclusion – Reasons I’m Not Going To Recommend Investing in ETP

After this review of the current conditions surrounding ETP, I personally would not invest in this company.

My reasons are that the litigation against it’s parent company ETE show ineffective communication between potential business partner Williams Cos.

Also, the revenues for the company dropped substantially in the past year, perhaps due to the drop in the price of gasoline.

In general, the energy market seems to be a little too uncertain for me to invest in at this point.

There could be a large shift away from fossil fuels in the near future that could almost wipe out the profits of this type of fossil fuel company.

What are your thoughts? Want to invest in ETE? Let us know by writing in a comment!
 

21 Stocks Yielding Over 21% Annually – Earn High Dividends

Have you ever heard of stocks that are paying high dividends of upwards 90%+?

Well, there are stocks that are paying high dividends and here are 21 stocks paying over 21% in dividends…

In order to succeed in high dividend investing, you need to understand more than just the annual percentage yield quoted as of today February 23, 2016 (which is the quote in this post)…

…you need to know that this stock will continue paying high dividends…

…now there are no guarantees that these stocks will continue to pay out high dividends…

…the company might fail tomorrow due to all sorts of factors…

…what you need to do is research each company, maybe even visit their headquarters and see what is really going on in their daily business…

…read their financial reports, annual report, and other investor documents available on their websites…

…understand what they are doing and understand the history of their earnings and dividend payouts…

In this post, I did some initial research and labeled each stock with not only the APY and how often they pay their dividends (quarterly means they pay every three months)…

I also listed whether the stock price over time is STABLE, VOLATILE or FALLING…

…in my personal experience, if a stock price is falling, that means the actual dividend that you earn is also falling over time…

…so I personally wouldn’t invest in a stock that has a falling purchase price…

…check out this list of high dividend yielding stocks of over 21% and see which one I invested in today…

Have you ever heard of stocks that are paying high dividends of upwards 90%+?

Well, there are stocks that are paying high dividends and here are 21 stocks paying over 21% in dividends…

In order to succeed in high dividend investing, you need to understand more than just the annual percentage yield quoted as of today February 23, 2016 (which is the quote in this post)…

…you need to know that this stock will continue paying high dividends…

…now there are no guarantees that these stocks will continue to pay out high dividends…

…the company might fail tomorrow due to all sorts of factors…

…what you need to do is research each company, maybe even visit their headquarters and see what is really going on in their daily business…

…read their financial reports, annual report, and other investor documents available on their websites…

…understand what they are doing and understand the history of their earnings and dividend payouts…

In this post, I did some initial research and labeled each stock with not only the APY and how often they pay their dividends (quarterly means they pay every three months)…

I also listed whether the stock price over time is STABLE, VOLATILE or FALLING…

…in my personal experience, if a stock price is falling, that means the actual dividend that you earn is also falling over time…

…so I personally wouldn’t invest in a stock that has a falling purchase price…

…check out this list of high dividend yielding stocks of over 21% and see which one I invested in today…

21 Stocks Yielding Over 21% Annually

1) 57.47% quarterly falling SDT – SandRidge Mississippian Trust I (The Trust) is a statutory trust formed pursuant to a trust agreement by and among SandRidge Energy, Inc. (SandRidge) as Trustor, The Bank of New York Mellon Trust Company, N.A. as Trustee (the Trustee) and The Corporation Trust Company as Delaware Trustee (the Delaware Trustee). The Trust holds Royalty Interests in specified oil and natural gas properties located in the Mississippian formation in Alfalfa, Garfield, Grant and Woods counties in Oklahoma (the Underlying Properties). As of December 31, 2014, the Trust’s properties consisted of Royalty Interests in the Initial Wells and 121 additional wells (equivalent to approximately 124 Trust Development Wells under the development agreement). The Royalty Interests are in properties producing from the Mississippian formation in Oklahoma. The Mississippian formation is a carbonate hydrocarbon system located on the Anadarko Shelf in northern Oklahoma and Kansas.

2) 52.53% quarterly volatile CEQP – Crestwood Equity Partners LP develops, acquires, owns and operates primarily assets and operations within the energy midstream sector. The Company operates through three segments: gathering and processing segment, which provides natural gas gathering, processing, treating and compression services to producers in shale plays located in West Virginia, Wyoming, Texas, Arkansas, New Mexico and Louisiana; Storage and Transportation segment, which owns and operates natural gas storage facilities with an aggregate working gas storage capacity of approximately 79.3 billion cubic feet per day (Bcf/d), including its 50.01% interest in Tres Palacios Gas Storage Company LLC, and NGL and crude services segment, which includes crude oil rail terminals, the Arrow gathering system, its fleet of over-the-road crude oil and produced water transportation assets, an NGL storage facility, and US Salt, LLC.

3) 92.12% quarterly falling SDLP – Seadrill Partners LLC owns, operates and acquires offshore drilling rigs. The Company’s drilling units are under long-term contracts with oil companies, such as Chevron, BP, ExxonMobil and Tullow. The Company provides services to these customers with its fleet. The Company’s fleet consists of the semi-submersible West Aquarius, West Capricorn, West Leo, West Sirius; the semi-tender West Vencedor; the tender rig T-15 and T-16; the drillship West Auriga, West Vela, and West Capella. The Company provides drilling services on a dayrate contract basis.

4) 66.39% quarterly falling SDR – SandRidge Mississippian Trust II is a statutory trust formed pursuant to a trust agreement by and among SandRidge Energy, Inc. (SandRidge), as Trustor, The Bank of New York Mellon Trust Company, N.A., as Trustee (the Trustee), and The Corporation Trust Company, as Delaware Trustee (the Delaware Trustee). The royalty interests conveyed by SandRidge from its interests in certain properties in the Mississippian formation in northern Oklahoma and southern Kansas and held by the Trust are referred to as the Royalty Interests. The Trust holds Royalty Interests in specified oil and natural gas properties in the Mississippian formation in Alfalfa, Grant, Kay, Noble and Woods counties in northern Oklahoma and Barber, Comanche, Harper and Sumner counties in southern Kansas (the Underlying Properties). As of December 31, 2014, the area of mutual interest (AMI) consisted of approximately 48,400 gross acres (38,200 net acres) in the counties where the Underlying Properties were located.

 5) 27.01% quarterly volatile/falling CPLP – Capital Product Partners L.P. is an international owner of tanker, container and drybulk vessels. As of December 31, 2014, the Company’s fleet consisted of 30 vessels with 2.1 million deadweight tonnage (dwt) capacity, including four Suezmax crude oil tankers, 18 medium range (MR) tankers, all of which are classed as International Maritime Organization (IMO) II/III vessels, seven post-panamax container carrier vessels and one Capesize bulk carrier. Its vessels are capable of carrying a range of cargoes, including crude oil, refined oil products, such as gasoline, diesel, fuel oil and jet fuel, edible oils and certain chemicals, such as ethanol, as well as dry cargo and containerized goods. The Company provides marine transportation services under medium to long-term time charters or bareboat charters with various counterparties, such as Maersk Line, BP Shipping Limited, Overseas Shipholding Group Inc., Engen Petroleum Ltd., Repsol Trading S.A. and SUBTEC S.A. de C.V.
6) 27.39% quarterly falling CVRR – CVR Refining, LP is an independent downstream energy limited partnership. The Company has refining and related logistics assets that operate in the mid-continent region. It owns two refineries in the underserved Group 3 of the PADD II region of the United States. It owns and operates a full coking medium-sour crude oil refinery in Coffeyville, Kansas and a crude oil refinery in Wynnewood, Oklahoma. In addition, the Company also controls and operates supporting logistics assets, including owned and leased pipelines, owned crude oil transports, a network of crude oil gathering tank farms, owned and leased crude oil storage capacity and combined refinery related storage capacity. It processes a variety of crudes, including West Texas sour (WTS), West Texas intermediate (WTI), sweet and sour Canadian, and locally gathered crudes. The Company offers refined products primarily to retailers, railroads and farm cooperatives and other refiners/marketers in Group 3 of the PADD II region.
7) 35.35% quarterly falling OXLC – Oxford Lane Capital Corp. is a non-diversified, closed-end management investment company. The Fund’s investment objective is to maximize its portfolio’s risk adjusted total return. The Company’s focus is to seek that return by investing in structured finance investments, specifically collateralized loan obligation (CLO) vehicles, which primarily own senior secured corporate loans. Its investment strategy also includes investing in warehouse facilities, which are financing structures intended to aggregate loans that may be used to form the basis of a CLO vehicle. It may also invest, on an opportunistic basis, in corporate debt securities on a direct basis and a range of other corporate credits. It makes purchasing in both the primary and secondary markets the income notes and subordinated notes and junior debt tranches of various CLO vehicles and the equity tranches of various warehouse facilities. Oxford Lane Management, LLC (OXLC Management) is the investment adviser of the Fund.
8) 34.34% quarterly falling SXCP – SunCoke Energy Partners LP is engaged in manufacturing coke used in the blast furnace production of steel. The Company operates its business through two segments: Domestic Coke and Coal Logistics. The Company’s coke making ovens utilize heat recovery technology designed to combust the coal’s volatile components liberated during the coke making process and uses the resulting heat to create steam or electricity for sale. The Company is also engaged in coal handling and blending services through the Company’s interests in Lakeshore Coal Handling Corporation (Lake Terminal), located in East Chicago, Indiana, which provides coal handling and blending services to its Indiana Harbor coke making operations, and Kanawha River Terminals. Kanawha River Terminals is a metallurgical and thermal coal blending and handling terminal service provider with collective capacity to blend and transload approximately 30 million tons of coal annually through its operations in West Virginia and Kentucky.
9) 53.21% quarterly falling CHKR – Chesapeake Granite Wash Trust (the Trust) is a trust formed to own royalty interests for the benefit of Trust unit holders conveyed to the trust by Chesapeake Energy Corporation (Chesapeake). The royalty interests held by the Trust (Royalty Interests) are derived from Chesapeake’s interests in specified oil and natural gas properties located in the Colony Granite Wash play in Washita County in the Anadarko Basin of western Oklahoma. Chesapeake conveyed the Royalty Interests to the Trust from its interests in 69 existing horizontal wells (Producing Wells) and Chesapeake’s interests in 118 horizontal development wells (Development Wells) to be drilled on properties within the Area of Mutual Interest (AMI). The AMI lies within Washita County in western Oklahoma and is limited to only the Colony Granite Wash formation, where Chesapeake holds approximately 45,400 gross acres (28,700 net acres) as of December 31, 2014.
10) 41.57% quarterly falling CCLP – CSI Compressco LP, formerly Compressco Partners, L.P., is a provider of compression services and equipment for natural gas and oil production, gathering, transportation, processing and storage. The Company fabricates and sells custom-designed compressor packages and oilfield fluid pump systems, and provides aftermarket services and compressor package parts and components manufactured by third-party suppliers. It provides these compression services and equipment to a base of natural gas and oil exploration and production, midstream and transmission companies. It is a service provider of natural gas compression services, utilizing its fleet of compressor packages that employs a spectrum of low-, medium- and high-horsepower engines. Its applications include gas gathering, gas lift, carbon dioxide injection, wellhead compression, gas storage, refrigeration plant compression, gas processing, pressure maintenance, pipeline transmission, vapor recovery and gas transmission, among others.
11) 33.17% quarterly falling FELP – Foresight Energy LP (FELP) is engaged in the mining and marketing of coal from reserves and operations located in the Illinois Basin. The Company controls over three billion tons of coal in the state of Illinois. Its reserves consist principally of three contiguous blocks of high heat content (high Btu) thermal coal, which are used for longwall operations. Thermal coal is used by power plants and industrial steam boilers to produce electricity or process steam. The Company operates four underground mining complexes in the Illinois Basin: Williamson Energy, LLC (Williamson), Sugar Camp Energy, LLC (Sugar Camp), Hillsboro Energy, LLC (Hillsboro) and Macoupin Energy, LLC (Macoupin). Each of the Company’s four mining complexes operates in the Illinois Basin; two are located in Southern Illinois and two are located in Central Illinois. Williamson, Sugar Camp and Hillsboro are longwall operations, and Macoupin is a continuous miner operation.
12) 64.04% quarterly falling PER – Sandridge Permian Trust is a statutory trust formed under the Delaware Statutory Trust Act pursuant to a trust agreement by and among SandRidge Energy, Inc. (SandRidge), as Trustor, The Bank of New York Mellon Trust Company, N.A., as Trustee (the Trustee), and The Corporation Trust Company, as Delaware Trustee (the Delaware Trustee). The Trust holds Royalty Interests in specified oil and natural gas properties in the Permian Basin located in Andrews County, Texas (the Underlying Properties).
13) 32.16% quarterly falling MEP – Midcoast Energy Partners, L.P. is a natural gas and natural gas liquids (NGL) midstream company operating in the United States. The Company is publicly traded growth-oriented Delaware limited partnership that serves as Enbridge Energy Partners, L.P.’s (EEP’s) primary vehicle for owning and operating its natural gas and NGL midstream business in the United States. The Company operates through two segments: Gathering, Processing and Transportation, and Logistics and Marketing. The Company’s gathering, processing and transportation segment is engaged in gathering, processing and transporting natural gas and NGL. The logistics and marketing segment primarily markets natural gas, NGLs and condensate. The Company owns 51.6% controlling interest in Midcoast Operating, L.P. (Midcoast Operating), a Texas limited partnership that owns a network of natural gas and NGL gathering and transportation systems, natural gas processing and treating facilities, and NGL fractionation facilities.
14) 32.04% quarterly falling APLP – Archrock Partners LP, formerly Exterran Partners, L.P., provides natural gas contract operations services. The Company’s contract operations services include designing, sourcing, owning, installing, operating, servicing, repairing and maintaining equipment to provide natural gas compression services to its customers. It provides contract operations services, including the personnel, equipment, tools, materials and supplies. The Company’s general partner, Exterran General Partner, L.P., conducts the Company’s business and manages its operations, which are conducted through its wholly owned limited liability company, EXLP Operating LLC. It caters to companies engaged in various aspects of the oil and natural gas industry, including natural gas producers, processors, gatherers, transporters and storage providers. Some of its customers are also Exterran Holdings’ contract operations services customers.
15) 31.49% quarterly falling CNX – Coal Resources LP is a producer of thermal coal. The Company is formed by CONSOL Energy Inc. (CONSOL Energy) to manage and develop all of its thermal coal operations in Pennsylvania. Its initial assets include around 20% undivided interest in and operational control over, CONSOL Energy’s Pennsylvania mining complex, which consists of around three underground mines and related infrastructure that produce bituminous thermal coal that is sold primarily to electric utilities in the eastern United States. Its Pennsylvania mining complex, which includes the Bailey mine, the Enlow Fork mine and the Harvey mine, has coal reserves. The Company mines its reserves from the Pittsburgh No. 8 Coal Seam, which is a contiguous formation of uniform, thermal coal. The Pennsylvania mining complex includes around 785.6 million tons of coal reserves with an average gross heat content of approximately 13,000 British thermal units per pound and an average sulfur content of around 2.38%.
16) 31.18% quarterly falling JPEP – JP Energy Partners LP (JP Energy Partners) owns, operates, develops and acquires a portfolio of midstream energy assets in the United States. The Company operates through four segments: Crude Oil Pipelines and Storage, Crude Oil Supply and Logistics, Refined Product Terminals and Storage, and NGL Distribution and Sales. The Company’s crude oil businesses are situated in areas, including the Permian Basin, Mid-Continent and Eagle Ford shale. The Crude Oil Supply and Logistics segment manages the physical movement of crude oil origination to final destination. The Refined Product Terminals and Storage segment consists of two refined products terminals located in North Little Rock, Arkansas and Caddo Mills, Texas. The NGL Distribution and Sales segment includes its propane cylinder exchange business and the retail, commercial and wholesale sale of NGLs and other refined products. The Company markets its propane cylinder exchange business under the Pinnacle Propane Express.
17) 28.48% quarterly falling CLMT – Calumet Specialty Products Partners, L.P. (Calumet) is a producer of specialty hydrocarbon products in North America. The Company’s segments include specialty products, fuel products and oilfield services. In its specialty products segment, it processes crude oil and other feedstocks into a range of customized lubricating oils, white mineral oils, solvents, petrolatums and waxes. It also blends and market specialty products through Royal Purple, Bel-Ray, TruFuel and Quantum brands. In its fuel products segment, it processes crude oil into a range of fuel and fuel-related products, including gasoline, diesel, jet fuel, asphalt and heavy fuel oils, as well as reselling purchased crude oil to third party customers. Its oilfield services segment manufactures and markets products and provides oilfield services, including drilling fluids, completion fluids, production chemicals and solids control services to the oil and gas exploration industry throughout the United States.
18) 30.53% quarterly falling AMID – American Midstream Partners, LP owns, operates, develops and acquires a diversified portfolio of midstream energy assets. The Company gathers, treats, processes and transports natural gas, fractionates natural gas liquids (NGLs) and stores specialty chemical products through its ownership and operation of 12 gathering systems, five processing facilities, three fractionation facilities, three interstate pipelines, five intrastate pipelines and four marine terminal sites. The Company operates through three segments: Gathering and Processing, Transmission and Terminals. The Gathering and Processing segment gathers, processes, transports and treats natural gas. The Transmission segment transports natural gas. The Terminals segment provides above-ground storage services at the Company’s marine terminals that support commodity brokers, refiners and chemical manufacturers, to store a range of products, including petroleum products, distillates, chemicals and agricultural products.
19) 29.48% quarterly falling AHGP – Alliance Holdings GP, L.P. (AHGP) owns directly and indirectly 100% of the members’ interest in Alliance Resource Management GP, LLC (MGP). MGP is a managing general partner of Alliance Resource Partners, L.P. (ARLP). The ARLP Partnership is a diversified producer and marketer of coal primarily to United States utilities and industrial users. The Company operates in four segments: Illinois Basin, Appalachia, White Oak, and Other and Corporate. The ARLP Partnership operates in the eastern U.S. as a producer and marketer of coal to major utilities and industrial users. The ARLP Partnership operates ten underground mining complexes in Illinois, Indiana, Kentucky, Maryland and West Virginia. The ARLP Partnership also operates a coal loading terminal on the Ohio River at Mt. Vernon, Indiana.
20) 28.94% quarterly falling NGL – Energy Partners LP is a limited partnership company that is a vertically-integrated service provider. The Company operates through the following segments: Crude oil logistics, which purchases crude oil from producers and transports it for resale at owned and leased pipeline injection stations, storage terminals, barge loading facilities, rail facilities, refineries and other trade hubs; the water solutions segment, which includes water treatment and disposal facilities; the liquids segment, which purchases propane, butane and other products from refiners, processing plants, producers and other parties, and sells the products to retailers, refiners, petrochemical plants and other participants in the wholesale markets; the retail propane segment, which is engaged in the retail marketing, sale and distribution of propane and distillates; the refined products and renewables segment, which conducts gasoline, diesel, ethanol and biodiesel marketing operations, and corporate and other.
21) 29.18% quarterly volatile NRF – NorthStar Realty Finance Corp. is a commercial real estate company. The Company invests in multiple asset classes across commercial real estate (CRE). Its portfolio consists of healthcare, hotel, manufactured housing communities, net lease, multifamily properties and international real estate, with a focus on Europe. It also invests in other opportunistic real estate investments, such as indirect interests in real estate through real estate private equity funds. The Company also acquires hotel and certain healthcare properties through structures permitted by the real estate investment trust (REIT) investment diversification and empowerment. The Company’s segments include Real Estate, Commercial Real Estate Debt (CRE debt), Commercial Real Estate Securities, N-Star CDOs and Corporate. Its real estate equity investments that operate under the RIDEA structure generate resident and hotel guest related income from short-term residential agreements.

Conclusion

 After a thorough review of these 21 high yield stocks there were really only 2 that I would consider investing in myself, which was NRF and and CEQP…
…and the reason is that they have share prices that go up and go down (both are on the down now)…
…after some deliberation and a little meditation I bought 23 shares of NRF about 10 minutes ago…
…I encourage you too to get some skin in the game and start investing in some high dividend yielding stocks…
…I’ll see how my investment does and feel free to message me or contact me at anytime if you have any questions about high dividend investing!

P.S.

My joy is seeing you make more passive income AND live a better quality of life…
…I want to help make smiling happy families who are also financially free…
…so I blog about actions that will really change your finances and money situation for the better…
…on top of all those wonderful benefits, I also make money blogging!
AND I want you to make money blogging too…
…so, to be fully informed, I’ve selected the best, easiest to learn and most profitable blogging platform to host my blog…
…and I’m giving it to you now too…
CLICK HERE, enter your best e-mail and watch the free video

He Was Making Over $100,000/mo when he got laid off from his engineering job…

…let me tell you something that will change your life…

…and it has to do with Lawrence Tam, who is in the picture with us below…

Lawrence used to be an engineer…

…and he wanted something more…

…he wanted to have more money and more time…

…he wanted to be able to stay home with his family…

…go on more family trips together…

…and he wanted to build a school in Africa…

…he thought that making $10,000/mo would make him happy…

…well, Lawrence now makes about $50,000/mo pretty consistently…

…and, Lawrence was making over $100,000/mo when he was laid off from his job as an engineer…

…Lawrence retired at 33 years old…

…let me tell you something that will change your life…

…and it has to do with Lawrence Tam, who is in the picture with us below…

Jomel,Mey,Lawrence Tam 1-26-15

Lawrence used to be an engineer…

…and he wanted something more…

…he wanted to have more money and more time…

…he wanted to be able to stay home with his family…

…go on more family trips together…

…and he wanted to build a school in Africa…

…he thought that making $10,000/mo would make him happy…

…well, Lawrence now makes about $50,000/mo pretty consistently…

…and, Lawrence was making over $100,000/mo when he was laid off from his job as an engineer…

…Lawrence retired at 33 years old…

…now, Lawrence’s results are not typical, see full income disclaimer here

…however, Lawrence has raised the money and is now building his school in Africa…

…so what do you believe?

…I know that you reading this right now because you have a dream…

…you have something that you want to do in this life that is BIGGER…

…you want to make a real difference in this world and are ready for a change…

…if you were on the Monday night call then you heard from Tracy and Angela…

…those ladies rose up from poverty into success…

…I hope you realize that everyday that you are alive matters…

…because we are all going to die one day…

…what are people going to remember about you?

…when you die, how many houses or schools will you have built?

…how many lives will you have lifted?

…will your children be proud of you?

…how much BIGGER can you become?

…it’s time to start making that change…

…and if you think you are somehow poorer or live in a country where you can not be successful then you are lying to yourself…

…because we all know it starts inside with a decision…

…a decision to be great…

…and if you aren’t making that decision right now, to be more than what you think you are…

…to rise up and live your dream…

…if you don’t choose now to live your highest and best life…

…then your children, your community, the world will miss out on you…

…you’re greatness…

…and that is one of the greatest tragedies that this world will ever face…

…who are you?

…how will you be remembered?

…because now is your time!

…if you are still reading this then you know that there is something inside you that is dying to get out of you…

…it’s that inner greatness and that power…

…bring it out…

BRING IT OUT

Click here to release your greatness and get started getting your message to the world

Why Invest In Dividends?

Mey here on another beautiful Monday morning here in Ala Moana Hotel enjoying time working next to my Mom (author of the sci-fi novel Veluli: Amac-1 (Volume 1)) blogging about the important question Why Invest In Dividends?

Do you invest in the stock market?

Do you invest because you are hoping the stock prices will go up and you will sell high?

…or do you just do it because your investment advisor tells you to…

…or do you not have an adviser and had no idea what you are investing in?

…this article is dedicated to you, to give you some good advice on stock investing that actually makes sense for a change…

…it assumes that you are like the average person, who has really no idea what their stock fund is investing in, and just wants to make sure that their money is safe…

…so read until the end and get ready to learn the common sense way of investing – in stocks that make you money in dividends…

Mey here on another beautiful Monday morning here in Ala Moana Hotel enjoying time working next to my Mom (author of the sci-fi novel Veluli: Amac-1 (Volume 1)) blogging about the important question Why Invest In Dividends?

Do you invest in the stock market?

Do you invest because you are hoping the stock prices will go up and you will sell high?

…or do you just do it because your investment advisor tells you to…

…or do you not have an adviser and had no idea what you are investing in?

…this article is dedicated to you, to give you some good advice on stock investing that actually makes sense for a change…

…it assumes that you are like the average person, who has really no idea what their stock fund is investing in, and just wants to make sure that their money is safe…

…so read until the end and get ready to learn the common sense way of investing – in stocks that make you money in dividends…

What Are Dividends?

…dividends are a portion of a company’s profits that are paid to you as a shareholder in their company…

…when you buy a stock, you are becoming part owner of the company in return for your cash investment…

…when the company is profitable, they can take a share of their profits and pay their shareholders…

…for example, say a company made 100,000 profit this month…

…and they have 50,000 shares…

…they could pay $2.00 per share in a monthly dividend…

…say you own 1,000 shares…

…you would make 1,000 shares x $2.00/share/month = $2,000.00 per month in dividends…

How Do I Make Dividends?

…when you buy shares in a profitable company that  has chosen to pay it’s shareholders dividends…

…some companies are actually pretty profitable and do not pay dividends (at the time of publishing, Google is one of the most notable, and Apple too until recently)…

…some companies pay pretty consistent dividends, and are proud of that and publish it on their website (like IBM)…

…some companies are required by law to pay their profits in dividends like Real Estate Investment Trusts (like Annaly)…

…you want to choose a company that is profitable and consistently pays dividends…

Why Invest In Dividends?

…so if dividends make money, why do people still invest in companies that don’t pay dividends?

…that’s actually a pretty important question…

…if the stock doesn’t pay dividends, then buying it can only be profitable if you can sell it for more than you bought it for…

…people who invest like this are less concerned with dividends…

…this strategy has a lot more risk…

…check out this quote from Daniel Peris to understand why…

“…of the market’s annual total return of 9.7% since 1926, 8.6% of it (which amounts to 89% of the annual figure) came from dividends.” (page 16 of The Strategic Dividend Invester, 2009)

…so if you are investing in stocks that don’t pay dividends, you’re really gambling that a stock’s value will go up…

…and if you think about it, it makes sense, after all, wouldn’t you want to get paid part of the profits of the companies that you have invested in?

…how else are you going to make a profit from your investment?

Conclusion

…this post was inspired partly from my own dividend investing strategy and my intention to create a consistent passive cashflow…

…and also by reading the first Chapter of what one of my investment adviser friends calls the Bible on dividend investing, The Strategic Dividend Investor by Daniel Peris…

…if you are serious about making money in your investing, I suggest you buy this book and read it immediately…

P. S.

…I blog about financial freedom because it’s my goal to help people have their time back…

…so they can spend less time working and more time enjoying their families and friends…

…I am a blogger and I do it for a profit as well, where I pay our family all of our profits…

…interested in making money for yourself, with better odds than gambling on the stock market?

CLICK HERE, enter an e-mail where I can contact you at and watch the free video…

 

The Big Short, the Mortgage Crisis and What To Do With Your Investments

Mey here writing a blog tonight on the movie I just watched called The Big Short and am blogging about The Big Short, the Mortgage Crisis and What To Do With Your Investments…

…the trailer for the movie is playing now and I highly recommend watching it, it’s not only informative, it’s actually pretty funny and moving too…

…and in the movie, they basically talk about people who bet against the housing market in 2005, before the crisis hit in 2007…

…the movie is funny, and scary and taught me some basic things that you MUST do if you want to invest wisely in the market…

…so read this blog post to the end and decide for yourself what you need to do to keep your investments safe…

Mey here writing a blog tonight on the movie I just watched called The Big Short and am blogging about The Big Short, the Mortgage Crisis and What To Do With Your Investments

…the trailer for the movie is playing now and I highly recommend watching it, it’s not only informative, it’s actually pretty funny and moving too…

…and in the movie, they basically talk about people who bet against the housing market in 2005, before the crisis hit in 2007…

…the movie is funny, and scary and taught me some basic things that you MUST do if you want to invest wisely in the market…

…so read this blog post to the end and decide for yourself what you need to do to keep your investments safe…

Know What You Are Investing In

…this is usually for your fund manager to do, and in the movie, the fund manager of Scion asks a new employee to look into all the top AAA rated mortgage bond funds and tell him all of the mortgages that are in each of them…

…then when he got the data, he found out that most of the bonds were made up of a large portion of mortgages that were already late on their mortgage payments, or were adjustable rate mortgages that were going to have a huge rate hike in 2007…

…in other words, he took the fund and actually looked inside of it…

…and when he found out that it was made up of mortgages that were already going delinquent, and the rest would probably go delinquent in 2007 when their mortgage rates went up and people would not be able to afford their mortgage payments…

…now how this could happen?

…greed…

…the big banks that packaged the bonds were getting great returns selling them and as long as people bought them they didn’t care…

…it’s like if you know the apples you were selling were poisonous, and you just kept selling them because people did not know and kept buying them anyways…

…so, if you want to avoid huge losses in your portfolio, first step is to take a look inside of it and see what is in it…

Ratings Are Not An Indicator of A Funds Strength

…in the movie, the greatest tension for the investors who bet against the mortgage funds was that the ratings would not go down, even when the mortgage crisis was happening…

…two fund managers actually visited Standard Poor’s to see why they were still rating the bonds AAA when the mortgages in them were failing…

…and the representative told them that if they didn’t rate the bonds at AAA, the banks would go to their competitor…

…so, the banks did not allow the rating to change until they sold all of the failing bonds at the highest price possible…

…after they were sold and no longer at risk, they allow the rating agencies to downgrade the bonds…

…so, the moral of the story is, don’t trust the ratings…

…rate your bond yourself by looking inside it…

We Are All Responsible for The Economy’s Health And Our Own Investments

…I really liked the movie because it wasn’t a black and white “the banks are wrong and we are right” kind of movie…

…the main characters were in the movie making money off of the fact that they shorted mortgage bonds, meaning that they saw that they were bad and they bet against them…

…and then they had to work fast after to sell them before the banks collapsed and would be unable to honor their contracts…

…in other words, they capitalized on the bonds as well, and if the bonds didn’t exist, they wouldn’t have made all of the money that they did make…

…and that’s represented best by fund manager Matt Baum, who was extremely righteous at the beginning of the movie, and then became more humble when it was over, realizing that he also had capitalized out of the misery of so many Americans who lost their homes, retirement and pension funds…

…think about it this way, if someone applies for a mortgage and they don’t read the contract and figure out what they will be paying when their rate goes up is setting themselves up for forelosure…

…of course, there are banks that did not disclose this important rate change information and those banks have been heavily fined by regulatory agencies after the fact…

…however, a lot of people who bought homes, did it without a down payment, and just assumed they could refinance before the rate went up, without actually investigating on whether that would be true…

…even my husband was paying interest only payments on his mortgage and second mortgage…

…the whole structure of it was risky and so each and every person entering into the mortgage also has the responsibility to understand the risks…

…after all, there are no guarantees that housing prices will always go up, as we saw in the housing crisis and market crash of 2008…

…the moral of the story – if we make risky investments without any research or actual facts about our investment, and trust the words of an investment advisor who probably never looked inside of the funds themselves, then we are the fool being let by the fool…

…it is our responsibility to know what we are investing in, whether that is buying a house or investing in stock or fund or business opportunity…

Conclusion

…I thought the movie was very thought provoking, and I see why so many famous actors agreed to be in it…

…it’s very funny, compelling and taught me a lot about the market…

…I know a lot of people who lost a lot of money in the mortgage crisis…

…most of them are my age and it’s interesting to see how they adapted…

…they were millionaires, and now they are still millionaires…

…and you know what they are doing?

…they’re selling educational courses and blogging platforms to help people make money on their own terms…

…now their results aren’t typical, see full income disclaimer here…

…and the thing I like about them is that they are highly ethical…

…selling products that actually help people learn to make their own money on the internet…

…they take full responsibility for their own money…

…no longer going through banks and mortgages…

…if you got any value out of this post, then you need to meet them and to start investing in your education in internet marketing…

CLICK HERE, watch the free video, and get started…