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Moving Out? Smart (And Eco-Friendly) Ways To Save Money

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You may not live in the greenest city in America, but you have done your part to help the environment.

Maybe you’ve installed smart thermostats, LED lighting, and explained to your tenants how they could save money with smart eco-friendly apps.

You managed to get a recycling dumpster placed in the apartment parking lot. Also, you talked to your neighbors about how they could save energy by keeping windows covered during the heat of the day and by turning the thermostat up in the short summer and down during the longer winter.

Now you have transformed your rental property while helping others do the same.

There are a lot of eco-friendly places to model your rentals after, such as Denver, CO where rent prices are on the rise. Regardless of where you decide to invest, you can focus on keeping the environment clean.

But, now it’s time for YOU to move, either for a new job or just to a new home.

The last thing you want to do is keep everything green at your buildings, then leave a giant carbon footprint anyhow. As you load up all of your stuff on a big truck and move it to your new location, consider doing it in the most eco-friendly fashion..

You want to stay green and eco-friendly, but how can accomplish that during your upcoming move?

Here are some tips:

1. Save The Kitchen Until the End

You of course will need to pack up all of your kitchen supplies, but if you tackle the kitchen first and pack up all of your utensils and plates, you’ll find yourself relying upon plastic and paper disposables.

The lack of a functioning kitchen may also cause to drive to a fast-food restaurant more often and consequently use more environmentally unfriendly throw-away packaging. Save your kitchen packing to the night before you move.

2. Boxes

Yes, cardboard is recyclable, but will your movers actually recycle it properly?

To avoid adding waste, save boxes throughout the year and use them to pack your stuff. That way, you have at least reused used a resource that you already possess, and you won’t have to purchase anything new.

Along the same line, use containers you already have for packing, like suitcases, plastic bins and gym bags. Anything that holds something can be used as a place to pack items.

If you do need to purchase boxes, find used ones or green boxes. These can be cheaper and using these a second or third time is a great eco-friendly thing to do.

3. Packing Materials

You know that Styrofoam is not an environmentally friendly material, and you know that you should avoid using Styro packing peanuts. What are some alternatives? Anything that keeps objects steady and in place can work very well.

Think newspaper, towels, comforters, linens, and even clothing items like blue jeans. If you unfortunately find out that you do need to use some plastic packing materials, do your research and determine which ones are recyclable and find out where to take them in your new city.

4. Skip the Back and Forth

If you are moving a relatively short distance—like 90 miles—you may be tempted to make many trips to avoid using a moving company. You may think that renting a small trailer and taking five days to move will save you money.

Money, maybe, but multiple trips are just not eco-friendly.

Better to get one truck on one day and get the job done.

Even though many people want to try to make the move themselves, take a second and think about the environment and also the time you’ll save by making one large trip – it will pay off in the long run.

Hiring the pros can alleviate big time stress and can make the first trip to your new place much more enjoyable.

5. Get Rid of Stuff

The simplest way to make your move eco-friendlier is to move less stuff. We all have stuff, and many of us have a lot of it.

Our parents may have agonized over the thought of throwing away their 8-track or cassette tapes (!), and if you are an audiophile, maybe you have to think about those plastic crates full of old vinyl records.

Almost everything is available online now as you know and packing up a tiny speaker that plays everything from your phone would be a lot easier than loading up your old tube amplifier, your turntable and those giant Onkyo speaker towers you inherited from your uncle that was addicted to the Dead.

We do realize, however, that this might be a tough one even for strident environmentalists.

Otherwise, just look at everything you are packing and make sure you really need those items. If you don’t, there are a few alternatives. You can donate usable products to homeless shelters. Bet you didn’t know that the number one requested item at homeless facilities is socks!

You can have a garage sale and make some extra money to help with the move. Just be ready to do something with any stuff that doesn’t sell.

And, if you are so motivated, place Craigslist ads for things you don’t want to move like those barbells you never use or even your trusty but older treadmill.

6. Hire the Pros?

If you’re one of the lucky ones who has plenty of time to prepare for an upcoming move, you might want to consider hiring a green moving company.

One of the best ways to make an impact in a positive way on the environment is to use a moving company that does things the right way when it comes to the environment.

A green moving company will use trucks that run on biodiesel instead of normal gas. The company will also implement reusable boxes, so that you do not have to worry about going to the store for more cardboard boxes. These green moving companies might also:

  • Offer complimentary use of their eco-friendly boxes,
  • Collect all non-reusable moving boxes and send them to a recycling center for you
  • Use only biodegradable foam packing peanuts during your move
  • Source their own moving boxes from companies that participate in Sustainable Growth programs
  • And more!

If you search in your area, you’ll likely find a company that has a green moving program. Just simply ask them when you’re filling out a consultation or moving inquiry and you’ll be on your way to an eco-friendlier move in no time.

7. Green Cleaning

Moving means cleaning your new place, but also your old place. There are some things that you can do to clean both places without the use of harmful chemicals that might cost you a fortune.

Items like vinegar, baking soda, and ammonia are old-school cleaning supplies that will make a low impact on the environment when compared to modern cleaning agents that use a ton of chemicals.

Don’t worry; you’ll still be able to get a perfect clean in your place even without the use of the harmful chemicals. Think about it….your grandparents had to clean during moves, too.

They weren’t using chemicals that were harmful to the environment, so why do you have to?

While you can find articles like this one that will help will eco-friendly moving concerns, there may not be as much information available as there is about eco lighting and HVAC issues.

Nevertheless, with some effort and determination, you can be nice to the planet as you move to a new location.

This article originally appeared on IdealREI. Follow them on FacebookInstagram and Twitter.

Real Estate Investing

Here’s How To Get A Mortgage You Can Actually Afford

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So, you’ve finally decided to purchase a home. After years of contemplating if you should buy or rent, then saving, building your credit etc, it’s now time to dive in and get it.

Purchasing a home is exciting. After years of dreaming, you’re finally getting a place that you can call your own.

It’s really easy to get caught up in the excitement making you forget to ask one crucial question – how much “home” can you really afford?

…and, once you decide how much you can afford, you should stick to it. It’s all too easy to decide on a price, then find the home of your dreams is only $25,000 more. Then you start thinking, “we can make this work…” But, can you really?

According to statistics, the median monthly mortgage payment for homeowners in the U.S. is $1,030. That’s a lot of money.

While you may love the fabulous kitchen or huge backyard one house offers – if you can’t pay the mortgage every month or get the cash to fix what’s broken, your home’s never going to be a blessing.

The good news is, determining how much ‘house’ you can afford isn’t rocket science. You can use the four tips here and utilize online tools to help you figure things out.

Build a Solid Foundation

There are countless people who have gone broke by buying a house simply because they believe it’s the “grown-up” thing to do. However, life events such as having a baby or getting married aren’t reasons to buy a house.

The time will be right when the money is right. Before trying to figure out how much house you can afford, be sure you are financially ready to purchase a home.

To do this, ask yourself the following questions:

  • Are you debt free and have an emergency fund of three to six months put back
  • Do you have enough cash to cover moving expenses and closing costs?
  • Can you afford a 15-year-fixed-rate mortgage?
  • Can you make a 10 to 20 percent down payment?
  • Do you have enough money to set aside each month into passive investments above and beyond your mortgage?

If you answered “no” to any of the questions above, it may not be the right time to purchase a home. Wait until you have a better financial foundation.

If you are currently financially stable, then move on to the next tip.

Maximize Your Down Payment

One of the biggest costs in a new mortgage is PMI or MIP. Both of these are different ways of saying that you need to pay an extra fee every month because you didn’t put enough down.

If you can get to 20% or more, then you won’t have to pay mortgage insurance for the lender. This can save you hundreds of dollars per month.

When buying a home, remember – the more money you can put down, the better. Higher down payments mean lower mortgage payments every month and the ability to pay your home off faster.

While the best option is to pay 100 percent of the home cost in cash, this isn’t viable for most. If this is the case, then try to put down at least 20 percent. By doing this, you can avoid paying for private mortgage insurance.

Calculate the Costs

All you need to do to figure out what you can afford when it comes to buying a home is to crunch a few numbers. If you need help with this, consider using a mortgage calculator with down payment, which will help you figure things out.

If you want to do things manually, consider the following:

  • Add up all the income you bring in every month. If you bring home $2,000 per month, and your spouse makes $3,000, then your total monthly take-home pay is $5,000.
  • Multiply your total monthly take-home pay by 25 percent to determine your maximum mortgage payment.If you are bringing home $5,000 per month, then it means that your mortgage payment should not be over $1,250 each month, including insurance and taxes.

Remember, your bank or lender will tell you that you can afford WAY more than that. In fact, some loans allow you to get to 40% or even 50% of your income going toward loans. While they may allow it, it isn’t financially smart to borrow every dollar you can afford.

Don’t Forget About Maintenance and Capital Expenditures

When comparing if you should rent or buy, most people look at the total rent, compare it to the mortgage, and say it’s better to buy a house.

What you are forgetting is that rent includes all the maintenance costs in a home whereas a mortgage does not.

As a general rule of thumb, it’s good to plan on spending around 1% – 2% of the total home value every year in maintenance and CapEx.

Major capital expenses are things like a roof or HVAC that last for several years. Even though you might have 10 years left on your roof, you should start saving for it now, along with the dozens of other major items that will not last forever.

So, if your home is $200,000, you should think about adding another $2,000-$4,000 per year in maintenance and capex. You definitely won’t be spending this much every year, but what you don’t spend now will be spent in a year or two when you have to replace a $12,000 roof, replace a garage door, etc.

If you have higher end appliances and fixtures, you should be more toward the 2% whereas standard grade homes can be closer to the 1% mark.

Conclusion

When you know your numbers, you will be able to shop for a mortgage and a home with confidence. Trying to determine what you can afford without considering the tips here may leave you with a home that’s going to cause you financial hardship in the future.

Remember, buying a home is not an investment, it is an emotional decision. Once you recognize that, you can begin to take it seriously and make decisions based on actual facts, rather than be driven entirely by your desires. If you base everything on the emotions involved with buying a home, you’ll dive right into a mortgage that you can’t really afford.

This article originally appeared on IdealREI. Follow them on FacebookInstagram and Twitter.

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Money

(THROWBACK!) High-Dividend REITs: Are They A Safe Bet?

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Investment in Real Estate Investment Trusts (or REIT’s) are ideal for investors who want a regular stream of income. REIT’s purchase real estate properties and lease them to clients (or tenants). This income generated is then paid to shareholders via dividends.

REIT’s are required to distribute at least 90% of net income to shareholders which means these firms have higher dividend yields compared to regular equity investments. But how many high dividend paying REIT’s are worth investing in? This article looks at REIT’s with high dividend yields and a market cap of approximately $1 billion.

CBL & Associates Properties

CBL & Associates Properties (or CBL) has a market cap of $915 million. This REIT has a dividend yield of 17.4% and pays annual dividends of $0.80 per share. CBL’s portfolio is primarily in regional shopping malls (Class B and Class C).

CBL is grappling with declining sales as revenue has fallen from $1.04 billion in 2015 to $1.02 billion in 2016 and $927 million in 2017. Revenue is estimated to decline to $852 million in 2018 and $835 million in 2019. There have been concerns over the high debt levels (over $4 billion) of CBL as well.

Further, company CEO Stephen Lebovitz also hinted at a possible dividend cut in the future. CBL reduced its dividend by 25% last year as well. CBL has stated that it is looking to reposition its portfolio and focus on redevelopment initiatives. However, investors will not be confident about investing in a stock that has declined from $20 per share in August 2013 to $4.65 in August 2018. The stock is trading 16% above the average analyst price target of $3.91.

Washington Prime Group

Washington Prime Group (or WPG) engages in the acquisition and development of retail properties and this REIT has a market cap of $1.5 billion. WPG has a dividend yield of 12.8% and pays annual dividends of $1 per share. The stock price has declined from close to $20 in May 2014 to the current price of $7.92 which is 6% higher than the analyst target price of $7.45. This year, WPG has however risen over 18%.

WPG is a mall owner with assets across Florida, the Mid-West and the East Coast. In this digital age when the number of people visiting malls has declined, WPG has also seen its revenue decline. Sales have fallen from $922 million in 2015 to $758 million in 2017 and are estimated to reach $724 million this year.

WPG’s funds from operation (or FFO) which is similar to earnings per share for stocks declined 8.4% in 2017, while occupancy reduced from 94% in 2016 to 93% last year. WPG might also have to cut dividends if sales continue to decline over the next few quarters.

Global Net Lease

Global Net Lease (or GNL) has a market cap of $1.5 billion and this REIT has a portfolio of commercial properties. GNL focuses on sale-leaseback transactions across the United States and Western Europe. GNL has over 300 properties with an average lease term of 8.6 years.

GNL’s client base includes FedEx, GSA, ING, and Finnair among others. While GNL’s revenue rose 21% year-over-year to $259 million in fiscal 2017, FFO per share declined 18%. GNL has a dividend yield of 10% and pays an annual dividend of $2.13 per share compared to its reported FFO of $2.10 per share last year.

GNL aims to acquire properties worth $293 million this year which will expand the company’s portfolio. GNL is estimated to post revenue of $283 million in 2018, $303 million in 2019 and $314 million in 2020. GNL is trading at $21.53 which is 11.5% lower compared to analyst average target estimates of $24.

Kimco Realty

Kimco Realty (KIM) has a market cap of $7.2 billion and is one the largest publicly traded REIT. This REIT owns close to 500 shopping centers in the United States with 83 million square feet of leasable property. Kimco has a dividend yield of 6.6% and pays an annual dividend of $1.12 per share.

According to this report from Suredividend.com. “Kimco’s property portfolio has enjoyed rising occupancy and rents over the past several years.” In the first quarter of 2018, Kimco’s FFP rose 5.4% driven by a rise in occupancy and rent. While occupancy rose 1 basis point to 96.1%, rental rates for new leases rose over 15%.

Kimco’s tenants include struggling retail companies such as Sears, JC Penny and Kmart all of whom might close a few stores. Kimco will need to look at acquisitions to drive future revenue. This stock has lost close to 6% in 2018 and is trading at $17.06 which is 1.3% lower than analyst projections.

Senior Housing Properties

Senior Housing Properties (SNH) is a healthcare REIT with a market cap of $4.5 billion and a dividend yield of 8.2%. This REIT owns property worth $8.5 billion and over 700 tenants. SNH shares have increased close to 30% since February this year and the stock is trading at $19.04 which is 4% below average analyst price target estimates of $18.25.

While SNH’s FFO per share fell 16% in 2017, performance has started to improve this year. SNH has managed to beat analyst earnings estimates considerably in the last two quarters. SNH has acquired properties worth over $300 million and sold assets of approximately $800 million since the start of 2017. The proceeds were used to pay off debt.

SNH revenue is estimated to rise 4.1% year-over-year to $1.12 billion in 2018 and 2.1% to $1.14 billion in 2019.

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Real Estate Investing

4 Ways To Make $10K A Month

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The goal to make $10,000 a month in passive income is just a long-shot dream, right?

Probably. I don’t even know why you’re reading this article…

Wrong!

If you’re looking for 5 more generic steps to take to never reach your goals, then stop reading now.

If you’re looking for “buy my program and you’ll be earning 6-figures and can quit your job” then you also should look elsewhere.

Instead, keep reading if you’re looking for some real solid steps on how to grow and build your passive income to a level that can replace your day-job.

How Can I Make $10,000 per Month?

The first question to answer is “how exactly do I make $10,000 per month?” There are really only 4 ways to earn $10,000 a month:

  • Get your boss to give it to you (earn it at a job)
  • Earn it yourself (become self-employed)
  • Create it (own a business)
  • Grow it (from investments)

This is a summary of the 4 general ways to earn income – employee, self employed, as a business owner, or through investments. It’s also called the ESBI model. The list is also ordered from least desirable to most desirable.

When you decide “I want to earn $10,000/month” you need to decide what path you are going to take first then refine it into ‘how’.

So, let’s start with the worst ways to create $10,000 and work our way up to the best.

How to Earn $10,000 a Month as an Employee

If grinding your way through life at a corporate job is your definition of success, then this section is for you. There is only a tiny bit of sarcasm in that sentence…

Your wages are loosely tied to the value of what your contribute to your company. It’s more closely tied to the supply and demand of similar workers as you.

So, to earn more, you have to be better than everyone else around you. To do that you need to:

  • Work harder
  • Work longer
  • Have a skill or knowledge that is hard to replicate

To accomplish this is easy. Work more efficiently and harder than everyone around you. Then, work twice as long as everyone around you.

Do that for 5 or 10 years and eventually your employer will recognize the work you do and you’ll probably make 6 figures. You just need to get there before a younger person is willing to work even harder and longer than you for half the wage.

It’s a bit harder to acquire a skill or knowledge that others cannot replicate, but you could pay for training courses, additional schooling, or study on your own to increase your skills in your field.

Earning $10k Being Self Employed

The benefit to being self employed is that every bit of work you do goes straight back to you.

You do not need to work extra hard and hope that your employer notices and gives you a raise. If you work twice as much, you’ll hopefully see twice as much income (assuming all of the effort you put in generates more revenue).

I think that being self-employed is a great way for people to get started building their income. Everyone talks about investing, but you probably need extra income first before you can start investing.

BEING SELF EMPLOYED, I’M LOOKING FOR:
  • Very flexible schedule
  • High payout on a sale
  • Can be automated, outsourced, or grown organically

The first couple things that come to mind are consulting and real estate.

I like consulting because it is a high payout job and also offers a very flexible schedule. It’s not something that can be totally outsourced, as people expect their consultant to be the one consulting them.

Being a real estate agent is also highly flexible and has a very good payout. It’s also very automatable (is that a word?). Almost every step of the process can eventually be outsourced to an assistant, VA, or other real estate agent.

It also costs very little to get started, has few barriers to entry, and is easy to take market share because most people don’t have an existing relationship with a real estate agent.

Another reason I like the idea of being a real estate agent is because when you do get started investing in real estate, you’ll have a leg up on other people. Hint: this is exactly how I got started in real estate.

Getting Started as a Real Estate Agent

Becoming a successful real estate agent is super simple (though it requires a bit of effort!). Just follow these steps:

  1. Take your licensing coursework (I like Real Estate Express to fast-track it)
  2. Take your tests (both state and federal)
  3. Determine your niche and ideal clients
  4. Find a good brokerage to hang your license
  5. Find clients and close deals

Taking Your Real Estate Agent Coursework

Every state has its own licensing requirements. Some are easy while others are hard, so it’s important to get the best coursework that will make you the most likely to succeed.

That’s why I always recommend Real Estate Express. They offer all of your coursework for ridiculously cheap. It’s all set up to get you through the coursework quickly and give you the best chance of passing your test.

Taking Your Tests

There are two tests to take – the federal and the state real estate exam. They aren’t hard, but you do need to prepare for them.

I recommend scheduling the test as soon as you’re done with the course and taking it as soon as possible.

A lot of people schedule it several weeks or months away to give them “time to study” but I don’t think this is generally true. Generally, you know the most the day you complete the course, and every day after that you lose some of it.

So just get it over and done with asap!

Determine Your Niche

There are hundreds of niches to choose from, so be selective and master one or two.

I personally think that being a residential agent for real estate investors is the perfect niche. Here’s why.

Being a commercial broker is really hard, especially for new agents. The top producers have been doing it for years and everyone knows them. Taking market share is next to impossible for a newbie.

Being a retail agent that works with new home buyers is fine, but they are a dime a dozen and setting yourself apart is really hard.

Being an agent for 1-4 unit residential properties, but working exclusively with investors is the perfect mix. You have a good niche that is focused yet broad enough.

Additionally, investors are logical rather than emotional. They also buy on a regular basis (every year or more than once a year), and don’t care what the place is as long as the numbers work.

So, they are far easier to work with and buy more often. The only drawback is they tend to buy less expensive properties, so you need to do more transactions.

Find a Good Brokerage

The key is to remember that you are interviewing the brokerage, not the other way around.

So, shop around to find one that fits your goals and niche in real estate.

Find Clients and Close Deals

Finding clients is tough! It’s especially tough for the newly self-employed.

Fortunately, there is a service called Agents Invest which connects you to your ideal client. Agents Invest has a boat load of active investors who are looking to buy properties.

You just need to contact them and see if it’s a good fit. So go check them out!

How to Earn $10k per Month as a Business Owner

This is really simple.

Step 1 – Start a business.

Step 2 – Grow your business

and… Step 3 – Earn $10k/month.

Alright, it’s not that simple! I’ve started 3 different businesses and there is a lot that goes into running and growing a business.

If you already have a business, there are two ways that I have found to help you grow. The first is to find whats working for you, and double down on that. The second is to find new revenues sources on the fringe of what you’re doing, or through upselling.

Most people that want to grow a business tend to focus on doing more, but that often ends up with earning less.

I recently had a conversation with a mortgage broker. He said the issue with most brokerages is they want to do every type of lending (multifamily, retail, manufacturing, etc). The problem is, they become just like everyone else out there and nothing sets them apart.

They are not an expert at anything.

Instead, by focusing in on one specific type of lending and becoming an expert at it, the business grows faster and earns more.

Now, if you don’t already have a business in real estate you want to double down on, you might want to start one.

Starting a New Business

If you’re going to be investing in real estate, it probably makes sense to have a business in the real estate field too. There will be synergy between the two and it will ultimately help you invest in the future.

There are a ton of different real estate related businesses that you could start. Literally, dozens or even hundreds of niches to choose from.

If I’m choosing to start a new business I want it to have a few basic criteria.

  1. I want to be able to automate it (though I can do the work myself to start if I choose)
  2. It should be scalable
  3. It should be relatively inexpensive to start

While there are a ton of options available, I’d probably choose to start a wholesaling or lead generation business.

I like this because it hits all 3 of my criteria and it also ties in well with real estate investing. Any time I want to buy a property for myself, just take the best leads and keep them for myself rather than sell them.

Here’s how to get started

Determine Your Niche in Real Estate

It’s important to decide what niche you want to be in. Here are a few popular niches:

  • Multifamily
  • Single Family
  • AirBnB
  • Vacation Rentals

There are more, but those are probably the top 4.

It’s important to know your niche so you can tailor your content and lists to this area.

Build Your Funnel

It’s important to figure out how you will generate leads. This is how most wholesalers fail.

Remember, you have to get your name out there and be the first to find the potential seller before others do. That’s why I love using the internet.

Most people go to Google before ever making a buying or selling decision. That’s why if you can rank your website on Google, people will probably find you first!

If you want to be first to find them (by having them come find you) then what you need is a lead generation website.

For that, navigate to Investor Carrot and put your info in on the next page to get a free trial.

You can also read more about building out your Carrot site on this recent article I posted.

Decide What To Do With Your Leads

Once leads start coming in, you’ll need to decide what to do with them.

If you want to chase them down yourself and put deals under contract, great! If not, you can easily sell your leads to wholesalers in the area. That’s what I do.

I think working an agreement with another wholesaler for a profit share is the best way to do it as it requires the least amount of effort for the most return.

Making $10,000 A Month as an Investor

The one we’ve all been waiting for, drum roll please…

Making money as an investor is all about building up multiple streams of passive income. One of the best ways to do that is with real estate.

Every property you buy is another stream of income to add. Every unit, every tenant, it all adds to your goal.

The biggest risk to real estate is the lost revenue during a turnover or eviction. But, as you buy more property, this averages out.

For example, if you have one house you either have 100% occupancy or 100% vacancy. So, you do great some months and terrible in other months.

But if you own 10 units and 1 is vacant, you’ll have 90% occupancy.

If the vacancy rate in your area is 10%, you can expect to always have 1 vacant unit. At this point, it just gets built into your normal operating budget.

Here are the steps to getting started in real estate

Get an Education

The most important part is to learn everything you can about real estate investing. You need to understand how to estimate market value, repairs, rents, your operating budget, etc.

To do this, I recommend this inexpensive eCourse to help you get going.

It’s too easy to make mistakes in real estate, but that shouldn’t stop you from getting started.

Instead, learn from others mistakes first, and the best way to do that is to take their course.

Get an Agent

You don’t need an agent to invest in real estate. If you have build out a lead generation website, then just use those leads to buy deals.

But, if you don’t have any source of leads, the best place to start is with an agent.

For this, I recommend the service Agents Invest, which connects investors to investor savvy agents around the country.

Make Offers

A lot of people don’t ever find a deal because they are afraid to make offers. If a deal is listed too high, simply make an offer for less.

Don’t be scared of making offers!

I once offered less than half of what a property was listed for (and got it). So, it happens. Just recently a good friend of mine negotiated over $150k off a deal that was only listed around $500k to begin with.

That’s a 30% savings!

So, it’s totally possible to do, even in a hot market!

Do a Combination to Earn $10k/month

The last option is to do a combination of the above to get to $10,000 per month.

If you are self employed, own a small online business, and also have some real estate with some passive income, that combination might get you to your goal as well.

Your Turn

What are you doing to reach the goal of $10,000 per month? If your goal is higher or lower, tell me what your goal is and what you’re doing to achieve it.

This article originally appeared on IdealREI. Follow them on FacebookInstagram and Twitter.

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