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Real Estate Nerds

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Real Estate Nerds 60 #60   15/07/2018   •   33:17min
Contractors Sans Competence
Contractors Sans Competence

Todays episode of REN is packed with helpful information on contractors. Scott hosts Bryan Crabtree, real estate investor and founder of therealestateexperts.com, on the pod to talk about not one but two of his “Bad Beats”. Bryan gives his expert insight on hiring contractors and shares some stories about what can happen when you hire incorrectly.

Real Estate Nerds 59 #59   15/07/2018   •   28:41min
Midnight Drives and a Hairy Deal
Midnight Drives and a Hairy Deal

On todays episode of the “Real Estate Nerds” Podcast Scott is joined by Devin Elder, real estate investor and owner of DJE Texas Management Group. Scott asks Devin about his “Best Deal” and they get into the “hairy” details. Devin also shares how he builds better broker relationships and the importance of the “four looks” at a property.

Real Estate Nerds 58 #58   15/07/2018   •   34:33min
Market Downturn vs Not Downturn
Market Downturn vs Not Downturn

In todays episode of Real Estate Nerds Scott is joined by Kevin Bupp, real estate investor and CEO of Sunrise Capital Investors, to go over his ‘Bad Beat’ which like many investors is the year 2008. In this discussion they cover the current state of the real estate market and what investors should do in response to it. Kevin also shares some insight into his approach to stress testing deals and the ‘downturn’ vs ‘not downturn’ debate.

Real Estate Nerds 57 #57   15/07/2018   •   27:34min
Nonperforming Notes and Sovereign States
Nonperforming Notes and Sovereign States

In todays episode of “Real Estate Nerds”, the Scotts (Smith and Carson) meet together to talk about a ‘Bad Beat’ S. Carson encountered earlier in his career. Scott Carson has been actively buying notes on residential and commercial properties since 2005 but this one stood out as a particularly tough deal.

Real Estate Nerds 56 #56   15/07/2018   •   23:43min
Unexpected Expenses
Unexpected Expenses

James is a part-time real estate investor and a full-time corporate supply chain manager with experience working for several big name companies. He joins Scott today to talk about his “Bad Beat’ and the risks involved with the investing game. He also talks about what he learned from the experience and what he does differently now.

When making business decisions that affect your long-term goals, like what types of investments to make with your retirement dollars and which vehicles to use, it really is best to be aware of all of your options. We frequently talk about the Solo 401(k) and Self-Directed IRA as tools for funding your retirement. But what about life insurance? And what about the stock market? What if we told you there is a tool that allows to to reap some benefits of both? It’s called Indexed Universal Life Insurance–and some investors have found it a useful addition to their retirement plans.

What Is Indexed Universal Life Insurance?

Indexed Universal Life Insurance (IUL) plans are a variety of permanent life insurance plan that features a cash-building element. One primary benefit of these plans is that the policy holder gets some of the gains of being associated with the stock market without all of the risk Wall Street is famous for. This is in no small part because of how these policies are designed. IULs earn in part because they are directly linked to a market index, such as the Dow or the S&P 500.  Any gains remain within the policy, albeit a cap rate will limit how much you can make. However, you are protected during a particularly bad year for your index with an IUL. The worst case scenario with these plans is that you make nothing, but you never actually lose money no matter how poorly your index performs. The protection of your principal is actually derived in part from the same cap rate that limits your gains.

How much money do policyholders stand to make? Historically, returns run between 5-9%. The S&P Index has actually returned at 9-11%, but the upside limit on UILs stems from the account’s cap rate. For this reason, many advisors argue that the UIL can make a wise addition to a retirement or estate plan once more traditional and self-directed accounts are maxed out.

Tax Benefits of Indexed Universal Life Insurance (IUL) Plans

There are three key tax benefits of IULs. First, you may pay into the policy with pre-tax or after-tax funds. Withdrawals from the policy may be made tax-free if you are under 59 1/2. Such withdrawals are regarded as loans, with your death benefit serving as collateral. Any funds paid out to the beneficiary are also tax-free, including normal benefits upon your passing. This is true regardless of their value.

Ask the Experts at Royal Legal Solutions About Your Retirement Planning Options

Regardless of where you are in the retirement planning process, Royal Legal Solutions an assist you. We have extensive experience educating investors about self-directed investment options. Many of our investor-clients love our Solo 401k information, product, and compliance services. Our Self-Directed IRA services can also be helpful for retirement planning, as the SDIRA is yet another vehicle that allows you to diversify and take total control of your investments. To determine which of the available retirement planning strategies are best for you, consult with one of our experts at Royal Legal Solutions. You may also contact us with any questions you may have about your options.