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Personal Finance -
Investing
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Written by Kenneth Autrey
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Now that the deregulation of the financial industries has spawned the mortgage meltdown and left us globally devastated, where does the typical investor turn? Without a clear understanding of how we arrived at this crash scene, it might just as easily be repeated.
Primarily, banking and big business greed was the motivating factor, initiated by a series of previous deregulations. But, don’t expect to determine partisan blame, considering the good cop, bad cop semantics that perpetuate from Washington DC. I’m afraid that blame can only be accurately placed on ignorance.
Nevertheless, real estate is always the most sound and stable place to invest. This is why banks and Wall Street targeted real estate. Real Estate was targeted because it is one of the most basic necessities in life and the most valuable. Therefore, the advantage of our present dilemma presents an excellent opportunity. The opportunity is to invest in prime real estate while values are low.
Currently our nation’s employment is made up of over 70% small business. This suggests that small grass roots business is, obviously, more in tune with the basic needs of typical Americans. How does the typical American who is once bitten and twice shy, take advantage of this opportunity without re-exposing themselves to the culprits? The answer is through private grassroots trust deed investments.
A small business like KEADA Capital Investment Fund 1 is a California trust deed portfolio. www.keadacapital.com reveals an enlightening look at how a typical investor can take control with self-directed IRA and 401k funds and get a 9-11% return, backed by current market trust deeds at a 1 to 2 leverage. KEADA Capital is not backed by tricky subjective valuations and hidden stats. KEADA Capital places the typical investor in the driver’s seat, allowing them to take control with their self directed IRA’s and 401k’s through a no penalty rollover process. Thus, the typical investor need never be exposed to Wall Street government antics again.
Trust deed investments are simple, sound, and stable. In essence, there is a tangible piece of real estate backing each investment dollar at a 1 to 2 leverage. With Wall Street, reeking havoc on retirement funds and personal investments, investors shouldn’t have to gamble with their retirement future and the future of their families. Greed is ignorance because it affects us all.
Kenneth Autrey is a principal, Chief Executive Officer and Chief Underwriter for the Manager of KEADA Capital Investment Fund I, LLC.
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Personal Finance -
Investing
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Written by Sonshine Communications
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In today’s society, financial freedom is becoming the new “American Dream.” Everyday thousands commit to developing a lifestyle that will propel them to this reality. Whether it’s forming a strict budget, cutting up credit cards or eating at restaurants less often, the reality of wise spending is finally setting in for some. However, at times it seems that Black America just doesn’t quite get “it!”
America is facing tough economic times and blacks are facing even tougher times. Census reports state the unemployment rate among blacks is 10.8%, opposed to whites which are only 4.7%. Despite the facts, blacks are actually spending more instead of saving or investing more. According to Target Market, a company that tracks black consumer spending, blacks spends a significant amount of their income on depreciable products. Of this array of goods, cars and clothes are among the top items.
The time is now for blacks to reverse this pattern of destructive spending behavior and wise up! Overindulgence in the purchase of depreciable products reflects motivation for instant gratification and social acceptance. Unfortunately, short-term rewards come at the expense of our future. African-American teens are already mimicking the spending behaviors of adults. Studies have shown that African-American teenagers spend six percent more per month or $5,136 per year, than the average American teen.
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Personal Finance -
Investing
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Written by Golden Girls
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Mother. Spouse. Family accountant. These are just some of the many hats women wear - as they struggle to find flexible means of earning income. Now, selling their unwanted jewelry for extra cash, thousands of women have bet their bottom dollar on a company called Golden Girls .
Reminiscent of the popular 1980s Tupperware parties, the company offers in-home parties as a straightforward alternative to other gold-buying experiences. Since its inception in May 2008, women have been flocking to join the Golden Girls family. The company has hired over 130 women and, given their exponential growth, expects to hire 300 more women nationwide by the end of the year.
Now in 19 U.S. markets and Canada, Golden Girls has hit the jackpot with its winning combination of gold and giving. With a philanthropic focus, each gold party benefits an organization selected by the party hostess. In its first nine months, the company gave $100,000 in donations - and since this milestone in February 2009, has more than doubled this amount in half the time. To date, Golden Girls has donated over $230,000 in charitable donations, proving that the company is worth its weight in gold.
"It's exciting to provide everyday women a flexible way to earn money while giving back," said Golden Girls co-founder Deanna Brown. "Finding ways to make a difference for women and their communities is an essential part of our creed."
By thinking outside the jewelry box, Golden Girls offers an exciting way for women to sell their gold - and enjoy flexible employment - while coming together to give back. The Golden Girls team understands the struggles of the everyday woman - and hopes the company's continued success will be a wonderful way to say, "Thank you for being a friend."
About Golden Girls:
Golden Girls is a precious metal buyer that benefits charity partners. Carefully trained, licensed buyers partner with locals to host in-home jewelry buying parties that offer a unique social experience as well as a more secure setting and charitable beneficiary. To date, the company has donated more than $230,000 to charity. For more information, or to learn how to join the Golden Girls team, visit www.golddoesgood.com.
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