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Geopolitics and top trade talk have not rattled the markets much this year but the Fed raising interest rates well that could move a needle or 2 I am Jason Middleton I cover business and finance markets have been almost impervious to tariffs and tough tweets but volatility will no doubt return and with it a possible opportunity you could benefit in choppy markets if you have the right skills online trading Academy has a patented education system that helps would be investors learn to watch for market opportunities the Academy has a free introductory class that introduces ways to navigate the markets and meet your financial goals which could be retirement college costs just more monthly revenue to get registered for the free online trading academy class is easy text K D O W 279-7979 K D O W text at 797979 or you can register online at O.T. 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And P. 522 and get ready to spend more for that bag and changing or canceling a ticket if you're flying Jet Blue the carrier becoming the 1st major airline to charge $30.00 for the 1st checked bag starting today passengers who by the lowest of Jet Blue's fare $30.00 for the 1st bag and 40 for the 2nd the 3rd bag will be $150.10 and for all but the highest the fee for changing or canceling a ticket that cost over $200.00 from $150.00 to $200.00 business report. Finding great candidates to hire can be like well trying to find a needle in a haystack but not with zipper cruder the smartest way to hire zipper Cooter doesn't depend on candidates finding you it's powerful technology actively invites qualified candidates to apply to your job so while other companies might deliver a lot of hey zipper critter finds you the needle in the haystack tries it recruiter now for FREE by going to zip recruiter dot com slash hire that zip recruiter dot com slash hire a mix of all ascii a select quote agent with a true story that could save you hundreds of dollars a year a woman named Linda just called her husband Ray has a $300000.00 group life insurance policy but he's changing jobs and can't take it with him well I shot the many highly rated term life insurance companies we represent and found Ray who is 41 and takes medication to control his cholesterol a 10 year 500000 dollars policy for under $27.00 a month that's almost twice the coverage for less than half of what he had paid if select quote hasn't shopped for your life insurance you're probably paying too much for your free quote call 804526990. 8045 to 6998045 to 6990 or go to so I quote dot com since 1985 we shop you save get full details on the example policy it's like quote dot com slash commercials or price could vary depending on your health that you accompany another fact not available in all state strategies and solutions with Johnny Dean hiring a financial planner or adviser is a big decision and the array of choices can be confusing so here are 3 factors to objective Lee consider 1st credential to ask about the planners years of experiences what college degrees they hold and whether they have any sort of occasions 2nd ask about ethics ask for what's called their C R D number you can then check your potential advisors compliance records at FINRA dot org Also check for complaints and disciplinary actions with your state securities and insurance. Commissioners a bad mark doesn't necessarily mean anything was done wrong but it does mean you should look into it also ask of the planner will provide a full written disclosure of all of his or her compensation and potential conflicts of interest and ask about business practices find out if you will pay them a fee or if they're paid commissions by investment and insurance firms and find out how many times you'll meet annually and who will attend securities offered securities L.L.C. Member S.I.P.C. And a subsidiary of Capital Group a registered investment adviser all investments are subject to risk including loss of principal John Dean is an affiliated person of Lucienne securities. Strategies and solutions with Johnny Dean home buyers usually buy title insurance as part of their real estate closing costs and they often just take the 1st title company suggested to them only later did they get sticker shock when they realize how much title insurance actually costs but the good news is that buyers may save hundreds of dollars if they're willing to shop around and ask questions rates can vary widely so a good place to start is the Web site of the American Land Title Association which provides an online search based on geography usually there are ancillary. Fees like mailing courier charges copy fees and costs 1st searches and certificates these are negotiable if an insurer box at these you can always look for another provider in fact everything in real estate is negotiable so you can ask the seller to pay for your title policy particularly in a buyer's market sellers are often motivated and may be more willing to go that extra mile securities offered securities L.L.C. Member S.I.P.C. And a subsidiary of Lucita Capital Group a registered investment advisor all investments are subject to risk including loss of principal John Dean is affiliated person of Lucienne securities. Below on the radio. Well what a great deal totally sponsored by Wilson investment properties for 5. Real estate radio power investing and gauging discussing everything you need to know about the world of state and that's your host Tom K. Will set provides you with insight and guidance from his years of experience as a successful real estate entrepreneur and how to sell financed. OK We'll be back with us thanks for tuning into our investing program where we empower you with the education to maximize your investing success for broadcasting from our Wilson investment properties headquarters in Silicon Valley. For this weekly program on the real estate investing if you can't make a live show you can catch your podcast on Tom Wilson properties dot com. Or on You Tube just put in Tom K. Wilson and it will pull it up about 6 years' worth of broadcast podcast with with a lot of wonderful gas that I get to ask my favorite questions and learn so much along with you that I'm just delighted to share with you the information from from these folks have so much experience you can also go to Tom Wilson dot com sign up for a weekly newsletter tells you a lot about summarizing a lot of what's going on in the world of real estate and the world of economics which we've learned is a pretty important stay in tune with to help us make better buy sell decisions and they're in a real estate indeed and there are a lot of. Investor education information on that site and we always welcome your questions. And suggestions so today we have Geno often whom I've had the pleasure of knowing for some time through real estate guy summit C. And she is a has an M.B.A. And bachelor's in finance team is an active investor cross multiple asset classes internationally recognized speaker author media expert conference contributor and she's. Escaped the madness the 10 steps to get out of the rat race C.E.O. Of passive income advisors and host. Gina loft and show and Gina welcome and thank you for being on our program. Well thank you Tom Thanks for having me and thank you for providing so much invaluable insight on real estate in economics to the global investing community. Thank you they tell me my passion comes across. And it's easy to talk about and share about things that you love so much. Yes definitely definitely and I love that you arc you. Make sure to bring in economics because that is very important and so many things so many people miss the Konami mix. Aspect which is the foundation for all investors in my opinion and many of them just look at the real estate and forget about that most important vital part. Well we certainly got shaken a little bit here on this this last crash in recovery and so that kind of emphasise I think that Howell more closely linked economics and are in the in and different cycles I think one of the most common things I get asked are what we think about the market. And I say which markets the market is thousands of markets but yes you got to start with the upper level so. To do to tell us your story how do you become financially free and how to get started in real estate investing. Yeah so I became financially free last probably about 10 years ago or so when it was Stern real estate and I was you know I worked in corporate America had a very successful career and. Most recently at the last corporate role and then building another asset called Direc T.V. Which you might have heard of which was the largest pay T.V. Company in the world as a matter of fact so between building that asset and we sold it taking T.N. 2015 and I during the same time acquired over 4000 apartment units over the last 10 years when the market collapsed because of my understanding of economics and it was just a great time to begin buying deals and I actually. Started buying apartments small partner buildings in Englewood California and I only do value at it real estate I was a foster kid while I was growing up in South Central Los Angeles my parents were able to take care of any of their kids soon as a result of that we were living on the street so I didn't want to become homeless as an adult I didn't want to depend on any anyone for my financial well being whether that's a job or a government or a husband or our kids or God knows whatever else that people do depend on I said no I want to make sure that I have sufficient passive income to exceed my expenses and I didn't know what that meant Tom to be quite honest with you you know I kind of I did it the way that people were taught to do it you go to school you get a job and then you invest in a well diversified portfolio of stocks bonds of mutual funds blah blah blah blah blah and you know back I don't know 15 or so years ago I read that little purple book called Rich Dad Poor Dad I always had an affinity to real estate just because if you're homeless the most logical thing that you can do is to own land that way you can prevent yourself from being homeless it was more of a you know very it was literally that stupid right if I'm if I if I'm exposed to being homeless then why not own own the property not knowing much else. Anyway so I read the little purple book and at the time I was working for a company car Ernst and Young management consulting another you know amazing firm and doing all that global stuff and helping companies around the world make more money and had amazing career there but I don't like Gene and I mean it if I'm interrupt for a 2nd. Even though you were you kind of storming. From scratch in and didn't have a role role models there and you mention about you know the traditional path of not getting an education but you you did go down that path and got education and and what yes what stimulated that and what. Would you would you agree that that provided a good stepping stone for you. Yeah I would agree with that but yeah I would agree and it was so i'm a Gen X. Or I'm not Gen Y. Not a millennial So during that time this was the ninety's eighty's ninety's that was the path that we were kind of taught to do and you know and so yeah I went to school school was a lot less expensive at that time I mean I got my undergrad degree at Cal State Northridge and I got grants to finance my education and I worked at I worked throughout undergrad and grad school so it's a very different era and it did give me that kind of entry to get into a. Great role in corporate America right here you can and you can do it without that but it sure is here's a it's nice to have a ticket to get on the trains you have to climb on top ranges. Exactly exactly Yep it was a great great ticket today you know I don't know if the return on the investment is as equal as it was at that time just because the cost of that ticket is so much greater so busy I see these young people coming out of college today with you know student loans of like a $100000.00 I mean if you think about the student loan crisis in America one that's the largest asset so to speak on our United States government balance sheet $1.00 trillion dollars and a 20 percent delinquency rate I don't know if the return on that investment is as good as it was when I attended university and it was free basically my thought about that is that it's. You can spend that much bridging get a good foundation and experience without spending that much right now you know like yeah I'm go back even more than you are my 5 years in school in the late sixty's cost me $5000.00 total. Not including not including room and board but you know. Yep amazing so you know now president under there. And if you can get if you could get some you know some type of education and it may or may not be you know in the formal traditional sense but I do I am an advocate of education and learning it just may not be in the traditional sense of you know going to college sure you know for your university and and getting into debt to do that but education is you know of is really really important I mean I think there's so much difference of a time like the Internet was not right prevalent when I was in school I mean it was encyclopedias if you could remember that and by the time you actually finished paying often cycle pieces if you grew up poor like I did most of the things was out of date you know to begin with and today the access to knowledge is just the barrier for knowledge is nonexistent so you can Google anything today and find out whatever you need to to learn so I'm an advocate of being curious. And going out and finding out whatever it is that you want to know because you know what the Internet is like the true democratise are. Of all social and economic levels to do whatever it is that they want across what ever continent whatever industry whatever age race creed or color I really just knocks out the need for any of any social program all that affirmative action all that B.S. That has been resident here in the United States I just don't think that it's necessary now that this is a different type of show. Who want to get on that bandwagon and you know I don't know do you know what to do what degrees genetic and to what degree of you know your environment or. Whatever reason stimulates it but I think those of us that are just insatiably curious have a have a huge advantage when you're when you just love to learn and meet new people and learn new things and apply them bore that's a that's a major that passion is a really really helps create a path to see Tuesday France successes of all God's monetary non-monetary I think yeah I would agree I would agree. We just have about 30 seconds left on this segment let me just ask you quickly would continue in next segment what planted the seeds for real estate other than you thinking when you were homeless that having a piece of land would be useful. I just wanted the. Right I just thought about having the real estate and having someone else paying me every month in order to ease that asset right and I didn't look at it like that sophisticated as an asset at that time but it was just the income and I could go to a bank and get a loan right against it I mean there was really no other nothing else that I could do that go and get a loan from a bank and I let's continue that after the break we have often with us today active investor. Classes and a nationally recognized speaker and author media expert and conference contributor and an odd caster herself. Will be back for some questions of. Over and over until Bank $173000.00 if he ever comes to walk that catch made last year 173000 and you know who paid it he'll get now you know where all those management fees are going you know to protect you know your wealth and keep your money for yourself join me at 12 noon for filming and I'll teach you the markets and General Walter Dellinger with Mayfield man between gaze at noon on a day Area been shared am well corny gave you strategies and solutions with Johnny Dean this might be the toughest financial question of all a valued friend or family member needing money asks you can you help it seems that these days there's no shortage of desperate situations like people facing the loss of a home or someone with a catastrophic medical bill but it's important that you take a good look at the reasons behind the crisis for a predicament that's due to ongoing money mismanagement the best help you can give is to suggest financial counseling if the problem springs from a single event then maybe a one time cash infusion could help but you probably want to lend the money not make an outright gift and get the deal in writing if you're not in a position to lend money but would like to help out by cosigning alone think twice about doing that both parties are responsible for a cosign loan if the other person stops paying you are going to have to repay the loan or ruin your credit rating securities offered securities L.L.C. Member S.I.P.C. And a subsidiary of Luci a Capital Group a registered investment advisor all investments are subject to risk including loss of principal John Dean is an affiliated person of Lucienne securities. business leader am 1220. St business net serving San Francisco Oakland San Jose 1220 K.T.O. Double. But. What a great deal totally I'm Tom Busbee c N.B.C. Now a record breaking day today on Wall Street stocks soaring on news that the U.S. Reached a tentative trade deal with Mexico to overhaul the decade's old NAFTA agreement still has to be approved by Congress though the Dow today shooting up 259 points the NASDAQ up 72 closing at a fresh all time high as well as the S. And P. 502 so it being another U.S. Farmers will get 4700000000 in taxpayer bailout money the trumpet ministration looking to offset massive losses because of its trade war with China and some other countries Toyota will invest half a $1000000000.00 in order to help develop self driving cars even though dealerships pulled back on some incentives J.D. Power says that August was a strong month for new car sales $1300000.00 units sold in the U.S. Open tennis tournament now underway in New York City with its biggest prize money ever 53000000 bucks Tom buss B.C. N.B.C. . Welcome back to real estate radio power and that's history. Again. For more information on today's topic or guests visit Tom Wilson properties dot com That's Tom Wilson property stock. Again your host for today's edition of Real Estate radio power investing OK We'll see you know often with us today someone we met through some real estate investment conferences over the years and she is a author upon cancer and a very successful investor and educator. Ever think you'd have that that that very positive complimentary label Gina educator who never never in a 1000000 years and just a little side note and in foster care I ran away when I was 15 years old entrapped out of high school or so on I. Kind of laugh today because I've I come in high school dropout. And I'm an educator so it's kind of funny to be quite honest with you I mean I did go back to school and have a you know undergrad and B. And things of that nature but I'm still was at one time a high school dropout so when I hear that I'm an educator I just think it's kind of funny. Now and it's funny I was talking to my team yesterday about how if you want to teach. The most people's concept as a traditional academic environment right and then force the most teachers are poor . But but you know you can you can have a very active life in business and in investing in and you know be on the Get on the correct side of the quadrant which we'll talk about a little later and then you can still teach right like you and I are enjoying doing . Yeah exactly and I find that you know most teachers are you know the traditional teachers their academics right and they don't they've never really done it so I think that's why people like yourself and myself and those others that are truly have done this stuff should go out and give back because if you rely upon the academics to teach it's not going to it's going to the results are going to be that this is what you're seeing today so it would behoove all of us any of you or your listeners who are successful at doing whatever crap that they do to give back right and to teach it because it's so actually by teaching it you actually look I when I teach this stuff because you're so used to just doing it. But when I teach it I have I learned more because I have to explain it. And then you're like oh wait a minute I'm going to let me get this down to the fundamentals and. Got us in teaching directly and it's interesting we had a family you know our marketing manager Jennifer Zeng and she's. Such a important contributor an element leader in our in our. Corporation and she gave She's millennial when she gave a little presentation on some says statistics and kind of concepts about millennia on investing and so forth that are recent become dot club become event and after it was over a lot of people came out and said Wow most everything we've ever heard about millennial has come from a non-linear it was nice hearing from someone who's actually lived it. Exactly precisely you have so many you know fake people fake teachers or entertainers and. You gather get to the people who are really in that particular you know demographics are have done it before and lived to provide that expertise so. When after OK Thank you. We've got about a minute in the segment let's start talking about your personal strategy for investing what do you which what do you do and what would you recommend others to do to go as they go about wanting to invest. Yep I look at it very simplistically find out what you're trying to accomplish right and and then identify what is the best path for you to achieve that particular goal so for me. That meant my whole objective was getting out of the rat race and for me to do that I needed X. Amount of dollars per month in passive income. So what would be the least path the least taka the less amount of time what investment strategy would give me that ill outcome in the least amount of time and that for me was value added real estate So my recommendation is to align your investment philosophy with what ever your goal is that she were trying to achieve it doesn't hurt her to defy a goal before you before you go blindly wandering around hoping that maybe you find something and don't know if you found it because you never set a goal or we'll be back and continue that conversation just a moment ago with with Eugena So stay with us for we were chatting a gene a whopper about her story of how she went from NICE AND REAL a story by bootstrap and her self up to be right. This is a special notice to all US taxpayers if you owe the I.R.S. Or state back taxes and cannot afford to pay them back there's good news due to the financial hardship many are facing in today's economy the I.R.S. 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The following is not an actor but a real life story from Trinity to management it's probably been about 10 years ago I had quite a few credit cards the interest on the cards was really high I was making the minimum payments but barely and it was just getting to be too much so I called Trinity if you are in debt and you need help call Trinity have 180-990-6976 extension 2 talk to a certified counselor they met with me and they were able to get all of my credit cards and one lower payment trinity will consolidate your accounts into one easy to manage monthly payment put a stop to late fees and overlimit charges reduce your interest and possibly improve your credit score you'll save thousands see did help me learn how to manage my money now you know we have a house and we're doing a lot better if your debt has you down Trinity have 180-990-6976 My name is Holly and I am debt free for keeps 1809 I know 6976 strategies and solutions with Johnny Dean you know how you can begin a diet with good intentions but then find yourself munching on a candy bar by lunchtime Well these kinds of insidious stresses and pressures can also destroy your resolve to stick to your budget but here are some ways to stay motivated to watching how much you spend over the long term 1st don't set your goals too high instead of vowing to pay off all your debts in one year start small or maybe focusing on getting rid of a credit card balance that's got a particularly high interest rate next reinforce and visualize positive steps you might want to keep an accomplishment list as a reminder of what you've gained so far some people make colorful bar graphs on a large chart or some other visual form that shows at a glance how far you've come finally find someone to share your goals with outside encouragement from someone who's got your best interests in mind can really help you reach your objectives security software securities L.L.C. Member S.I.P.C. And a subsidiary of Capital Group a registered investment advisor all investments are subject to risk including loss of principal John Dean is an affiliated person of Luke. Securities. OK back to real estate radio Howard best history class. For more information on today's topic or guest visit Tom Wilson properties dot com That's Tom Wilson properties are . I get your host for today's edition of Real Estate radio power investing OK Well so. You know often with us today a successful investor. Who who loves the fact that she can get cheap debt in this country and that you got can get passive income so you know you're starting to tell us a little bit about your recommendations and what you did for for your direction in investing in real estate. Yeah exactly so you know it was really this temple if I needed $100000.00 a year and passive income I would need a $1000000.00 earning 10 percent right and literally it was a back of the envelope you know exercise a $1000000.00 earning 10 percent now now we all in agreement that that earned $100000.00 per year and I hope your listeners understand basic math OK now you're on board I have a dilemma I didn't have a $1000000.00 A little detail dag gone. But. I had a problem I didn't have a $1000000.00 And here's the other problem it was very little few investments that were offering can percent. You know yes exactly but you know and sure of the starting point at least you leaches sketched out something that could work if you fear how to get there. When I recognize me so it's kind of just working backwards that was the goal was to I needed to be out of the rat race and that's really what my top. It was and how am I going to get get there so I just had to work backwards and I needed that in a you know I had a time like you know 2 years right I needed to be out of the rat race so I just worked backwards that was the number so I said how am I going to achieve that particular goal since I didn't have a $1000000.00. And there was nothing that was earning 10 percent believe it or not it led me to only doing one type of investment which would be valued at real estate and what I mean by value at real estate I don't mean by putting lipstick on a pig I mean buying a building increasing the value of the building by the income in which it generates going back to the bank and doing what's called a cash out refinance so I essentially was recycling the same dollar over and over again and that is what enabled me to achieve that goal in a relatively short period of time because I understood money that's that was key and I hope that your listeners really just take this to you know take just thought in all the way is that in 1971 Nixon took a school off the gold standard at which time money became debt and I understood that and at you know fast forward to 2008 Hank Paulson went to Congress and asked for the $700000000000.00 bailout and they started printing money faster right so when Obama was in office it was 10 trillion dollars of debt but time to Trump took over was 20 trillion dollars of debt so I knew I had to print as fast as them. This is to stay afloat but. I love that paradigm our thought. In your brilliant job it was really that it would and I believe it today because trust got to go through one of the for the man at the time because there's more debt so when I speak you know I spoke of freedom to us on this and you know it's me and Peter Schiff and all these I'm going to con a missile this is what I do so. It's still the reason why the middle. Class is becoming extinct is because they are not utilizing that they keep saying the same thing save your money and get out of debt and then you get to buy and build after that I mean if you think about it I'm not computing it to be. Good for a careless consumer products or. Are you in track to achieve your financial goals income producing real estate is the most historically proven way to accumulate wealth and has created more financial freedom than any other means your other real estate provides everything you need to invest in the best. Properties driven system you create real wealth and passive monthly income get your. Investment help players going to Real Estate dot com that and. Real estate dot com. Am I on track for retirement when should I take Social Security. And take profits When they killed it i Heart Radio station says St business net service said Francisco Oakland San Jose $1220.00 K.T. . Well what a great deal to Lee. OK back to real estate radio Howard this is streaming live. More information on today's topic our guests visit Tom Wilson properties dot com That's Tom Wilson properties dot com. Again your host for today's edition of Real Estate radio power investing OK well. You know often where this is a year so our time at having to print money as fast as the as the feds are. And how well so what's what so how do you do that. So I like how you do that is by the velocity of money and so as an example when I as an investor when I send a dollar out the door in the morning right I want to come back by lunchtime with friends and then I want all of those friends to stay after lunch to stay in the house and then one of the other one goes out a dollar and it goes out and gets more friends in by dinner brings more friends back with him or her so it's about the loss of the of money how I do that and I'll just translate that to real estate is that. I bought a building I rehabbed it and I wanted to get that money back fast and keep the building because I'm not a flipper I don't know what properties but I get my money back with debt so I go back to the bank and then I get what I do with quite a cash out refinance and I need that time to be very very short. Right because the time value of money right so I need all Jane another thing because I Jane I would think some our listeners now are saying that's great Tina went out and bought a property and she said she had one problem she didn't have a 1000000 bucks so so how do you buy a property when you don't have any money. Yeah start that that I would either raise it from others and give them a piece of the deal or I would find it some other place on my own balance sheet are combination of both great there's always money that's out there it may not be YOUR MONEY right after a time I mean I have as an investor I pretty much never have money but if I want to invest I will find the money if you think about it if most people are making 0 percent on their money today or something you know comparable $1.00 or 2 percent why not offer them a higher rate of return than they can get on that current investment that they're making and have them be a part of the deal give them 5 percent but money there's there's there's trillions of dollars of money that's out there so I can either look at my own value balance sheet to get it right I can go out and raise it I mean I get you know credit card offers today for 0 percent for 18 months that's a no brainer and so let's just translate that let's just say I borrow you know $10000.00 a 100 whatever that they will allow on a credit card and buy a 1000 lollipops to 25 percent and sell them on on on the street corner for more I build up the capital there's so many ways in which money is free time it's been and I want your listeners to understand this if you haven't been able to make money with free money and the last 10 years Shame on you you wasted a decade. The we're in a month ending Jamie Diamond said the other day that the 10 year note may go up to 5 percent it's at 3 today right barely However it's $2.00 If you and that's gone up from 1.6 or 1.8 during the recession and it's all relative Bill good . Yeah it's still good it's still cheap and it's been cheap but you're in the 8th or 9th inning so as and the whole world has gotten extremely wealthy with free money except for people which I can understand why I mean we sold Direc T.V. For 48500000000 why because 18 T. Went and raise the money they issued they should bond you know to Buy Direct T.V. Is the same thing to buy Time Warner Amazon bought it bought whole foods with Jack right so why aren't why is why aren't every FISON everyone using debt to build wealth and stead they use debt to buy liabilities such as a house such as loans right to education such as cars such as vacations or boats or motorcycles or God knows what you've debt to buy and build assets right if I could bollards yr old are wanting something less than whatever my return is of whatever the widget is I mean I could do with the digital business take I do all day long with everything I am best in oil and gas I invest in digital technology real estate blah blah blah blah blah blah blah it doesn't really matter to me as long as what my cost of money is less than what the return of the investment is on the asset that I'm investing and I don't really crowdsourcing of isn't crowdsourcing of equity wonderful you know I've done a lot of business in which we've collected money from others to be able to buy real estate we've given them much higher returns and other things they've. Adam parked and then we all we all went well you know we were always able to leverage because we mix that equity with debt and it's so exciting thing. Yeah absolutely yeah and for everyone when. Indeed we have about a minute left on this segment. Can you mention something about. The quadrant a lot of people would read Rich Dad Poor Dad but not all maybe not all didn't grasp that So you are your big promoter of following that and moving moving over to the right side of the quadrant. Yeah absolutely so just to explain the quadrant for your listeners the book the castle quadrant talks about the left side in the right side so the left side is in a 4 an employee year as 1st self-employed small business owner and the right side is before a business owner I for an investor the key that everyone should try to achieve is moving from the left side to the right side as fast as possible and here is Here are some of the reasons One is you know on the left side of the quadrant you're paying 50 percent or more of your income is going to pay taxes verses 0 to $20.00 on the right side of the quadrant but if you could think about it would you rather make a $100000.00 a year and paying 50 percent of your money in taxes or make a $100000.00 a year in case you're old to 20 I chose the latter So the reason why you need to move to the right side of the question as fast as possible is that that's where 95 percent of the wealth is actually controlled yet only 5 percent of the population are on that side and on the line by you have 95 percent of people that control 5 percent of the wealth and indeed those of us that. Are on the high tax states it's even more important their regular couple those thoughts here on our final segment a little Imagine buying a 720000 dollar condo in San Francisco by the ballpark 460000 or an 800000 dollars Silicon Valley town home for just to 60 opportunities like this are available year round through special government programs and over 60 percent of Bay Area residents can qualify to learn how you can take advantage of house keys home ownership programs simply log on to house keys Radio dot com That's house K.E.Y.T. S. 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The trumpet ministration is using nearly $5000000000.00 in taxpayer money to bail out U.S. Farmers farmers who have gotten hammered financially because of Trump's terrible war with China and other countries most of that money will go to soybean farmers on Wall Street new all time closing high is today for the Nasdaq and the S. And P. 500 that's after the U.S. Reached a tentative trade deal with Mexico the Dow up 259 points it's back about 26000 the Nasdaq today having 72 shares of Apple closing at an all time high that's one word it's putting out 3 new i Phones next month it's been a tough year to work in Facebook and which has seen a ton of top staffers head for the door just lost another communications executive Rachel Whetstone leaving for Netflix and thousands of Disney World workers will get raises after a weekend contract agreement the starting minimum pay will be $15.00 an hour in about 3 years I'm Tom Busby C.M.A.C. . Locum bachelor Willis. Radio powered best this streaming live. For more information on today's topic or go this is Tom Wilson properties dot com That's Tom Wilson properties Dr. Again your host for today's edition of Real Estate radio power investing Tom K. Well Gene you continue with your. Education and thoughts about the quadrant. So because of taxes you know they are your largest expenditure a peep ink about it it doesn't make sense to go out and try to you know save money on a gallon of milk and you know whatever bread and toilet paper really makes sense to try to reduce that largest expense even more still today than ever just because of tax reform So those those of us who live in I should say the highest income tax states such as California New York New Jersey Connecticut Maryland D.C. Eccentric cetera the recent passage of the tax reform bill. What it did with the state and local income taxes it reduced it to only being able to allow those that live in those and across the U.S. To did that and $1000.00 well. And that's for state and local as well as property taxes so it's going to become more and more important for everyone who is specially of lives in those high income tax states to move to the right side of the quadrant as fast as possible because before you were probably able to deduct let's just say for your total state local income taxes was $50000.00 well going forward it's going to be black it'll be 10000 dollars Total Cereal going to lose but potentially $40000.00 obviously depending on your income tax bracket and deductions and things of that nature so if you don't understand this and be able to use the tax code. By investing in what I call passive income generators such as real estate such as oil and gas such as digital businesses A.T.M. Machines I mean there's so many different the tax code what I didn't understand until I began to build my team is that it's just a book of intent was to do what the government wants us to do and that's to provide jobs and housing so my recommendation to all of your listeners is to really understand how they're earning their income take advantage of the tax code and move to the right side of the quadrant and there is their free complimentary master class on my website if for those of you who want to know how to do just go to. Gina and she in a loft and dot com and take the complimentary complimentary master class and learn how you can move from there right from the left side of the quadrant to the right side ask ask is possible and it doesn't really matter when state you live in. Thank you Gina so much. It's been wonderful having you on Gina Lofton with us today active investor cross mulled wine asset classes and an educator and a someone that we'd love to have back on the program so Jean thanks for being with us like to remind everyone to go to Tom Wilson properties dot com where you can sign up for our weekly newsletter on real estate and economics also gives you access to our. Our syndications or commercial syndication multifamily syndications where if you. Have access to those you can increase your returns usually $50000.00 a share for properties from $5.00 to $55000000.00 and on time most problems are coming out all the podcast that are. That we have from the past 6 years with folks like Gina. Dr Doug Duncan chief economist Fannie Mae Robert Kiyosaki and so forth and make sure you tune in and we look forward to having you on the next one listen in on the next broadcast So remember the one thing matters what you didn't. It may be hard to believe but the average for a one K. Investor misses out on over $5000.00 per year in investment gains what well poor timing and our investment choices this is what's the studies show this is the challenge of the typical for a one K. And that's the whole reason for active for a one can and that's why we have active for one K. That's why we launched the program for listeners and our clients because very difficult allocated for a one K. Account these plans have limited choices you've got to make the changes now if you're for going to count is a program that you should know about it ranks your current options within your current employer's plan and then all you do is log in and make the changes will tell you what to buy what percentages and what funds if you'd like to see more about it just go to invest Talk dot com Invest Talk dot com and click on the investments down from K.T. P.C. Financial and it may be take a M 1220 with you where ever you go what are smartphone coming how long tails it's a service of Salem Media Group. On the Box business network all Wall Street all the major averages ending in the green after the U.S. And Mexico reach a trade agreement with the NASDAQ and S. And P. 500 hitting new record highs the Dow closing up 259 points NASDAQ up 72 S. And P. 500 up 22 and shares of Advanced Micro Devices climbing today extending gains from last week but many analysts bullish on the chip makers cloud computing business and .