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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Planning my retirement: future value of present decisions

Retirement

I am planning my retirement future.  Not in a traditional sense, such as preparing for austerity, downsizing my living space, restricting spending and depending on others, including the Government (we have seen in the article on tax-deferred plans that this could be a bad idea).  By contrast, my plans have some grandeur, financial freedom, and ever-increasing quality of life. I do not plan to be forced to significantly reduce my spending after retiring at the risk of having to eat cat food otherwise.  I do not anticipate being involved in the typical cliché retirement pastimes, like playing bingo, doing gardening and living off some modest investments with no aspirations and occasional trip to a tropical location in the cheap part of […]

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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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