HELOC: get better investment returns and accelerated portfolio growth

It has been a while since we discussed money matters – so today we are going to quickly talk about home equity loans (HELOC) and how you can use them to maximize your returns. The readers of The Ultimate Alpha Project know that, alongside with maintaining exemplary health, physical strength and mental capacity, financial success is a major part of being an Alpha and kicking butt in all areas of life.  You also know that I consider real estate one of the very few investment vehicles that are worth your while.  Let’s see how HELOC loans fit into the bigger real estate investment picture. Life before HELOC Because banks do not lend 100% of the value in question, a typical […]

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An overview of investing in multi-family homes

Street with multi-family homes

When you start investing in real estate (and if you are not convinced that you should – read this introduction and a follow-up articles), the typical path for you as an individual investor usually starts with smaller-scale options: individual houses or condo apartments, pre-construction investment, etc.  But, sooner or later, investing in multi-family homes will start looking more and more interesting. Initially, this task seems very daunting – especially if you are an individual investor who does not have access to unlimited investor funds (like REITs do) – the prospect of you individually owning an apartment building is absolutely unimaginable.  But multi-family homes don’t need to contain 200 apartments.  Aside from “legal” definitions, assigned by federal corporations dealing with mortgage […]

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Real Estate Investing and building wealth – Part I

Real Estate Investing

What do topics related to real estate investing or how to become rich have to do with being an Alpha? Quite a lot, actually. Remember, an Alpha (-male or –female) is a leader, role model and super-achiever in everything. And although we mostly discuss health, nutrition and how to crush it in the gym (because health and physical fitness is your foundation for succeeding in everything else), we do, sometimes, venture into other topics relevant to creating your perfect lifestyle. One of these topics is money. It is no secret that with more money you get more freedom – freedom to support your progress in all other relevant areas, freedom to eat higher quality food, freedom from the shackles of […]

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Does investing in tax-sheltered retirement accounts make sense?

Ahh, sweet retirement…  Many of us dream of that blessed day when we can finally escape the rat race and enjoy the freedom to travel, enjoy time with family and live life to the fullest, while collecting benefits from pension plans that we so diligently worked to regularly contribute – sometimes for 45 years or more. But today I am going to give you a piece of some very uncommon advice – consider eliminating conventional tax-haven retirement savings accounts (RRSPs, IRAs, 401(k), etc) altogether.  Wait, what?!  But aren’t these considered the holy grail of saving for retirement and the best way to make sure you don’t end up eating cat food when you retire?  I have to admit – this […]

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