ADPI_040:为什么教育很重要

2018年11月6日


情节转录:

我们是否正处于另一场衰退的边缘?我们所知道的世界即将终结吗?什么’大家都欢迎参加现役被动收入播客吗?这将是一个很好的插曲,也是一个很好的课程,说明了在购买房地产之前为什么教育很重要。 

嘿,自由战士欢迎您参加现役被动收入播客。军人,退伍军人及其家属唯一的学习如何通过房地产投资来积累财富的地方。我是您的房东迈克·福斯特(Mike Foster),在这里向您展示如何停止浪费您的利益。现在下车,走上火线,为今天的课程做准备。射手待命。

嘿嘿,大家都快来参加现役被动收入播客。今天的插曲是关于教育的,为什么这对你们来说是如此重要 what’以及我们前进的过程会对您产生怎样的影响。我们是否正处于另一场衰退的边缘?我这样认为吗?是的,我个人认为我们是对的,对您来说了解其中的因素和原因对您来说绝对重要。您知道这将要发生,很抱歉,这将如何影响您作为服务成员或退伍军人的权利,或者您知道您作为家庭单位的权利。

I mean you guys need to understand you know 什么 to do in order to prepare and also how to take advantage of it when the market drops and how not to let the dropping market take advantage of you okay. Because that is the biggest thing. Now well I'm going to go into it, right I'm going to go into it. Now so when the market drops 什么 do we see? We see lower prices, we see you know higher costs right for borrowing right and which I'm going to talk about the Fed rate here in a minute.

We’总的来说,住房需求权短缺。因此,事情将会顺理成章,这对于精明的房地产投资者而言确实是一件好事。因为您可以在还没找到的地方进行交易。现在,当我说那句话时,让我们谈谈2007-2008年跌幅最大的地方。您看到了加利福尼亚右翼的市场受到了拉斯维加斯右翼和内华达州的一些最大冲击。那是纽约的一些热门唱片。纽约在经济衰退中损失了很多钱。你知道,甚至看到价格下跌到佛罗里达州,你知道我的意思,在德克萨斯州也是如此。得克萨斯州的一些大都市出现了很多大跌幅。我不知道您是否注意到这里的趋势,但您知道最大的成功发生在对大城市地区的学习中。

现在,我一直喜欢谈论的一件事是,在后院之外进行投资非常重要,而且当您正对中西部市场进行投资时也是如此。从历史上看,价格点远低很多,而稳定得多的市场则是那些下跌影响较小的区域。这是为什么?好吧,因为该地区的就业机会合适,因此就业市场并不一定能跟上住房增长的步伐。因此,现在让我们说,例如,以非常贵重的贵族购买房屋要花多少钱 知道地区吗?通常唯一能负担得起的人是白领人士。但是当您知道白领工作开始流失时会发生什么,因为您再次知道更高的就业成本,更高的支出成本,更高的借贷成本。

企业开始灵活发展,企业并没有开始减少支出,很抱歉开始减少支出。这意味着将在某处适当地削减预算,这将在人们的就业中发生。那’s going to happen in in a lot of different places. But when you lose your job as a white-collar individual, alright 什么's going to happen to your housing situation? Well you may not be able to afford your awesome expensive mortgage anymore, so you're going to have to find something a little more affordable. What does that mean?

这意味着您可能要租房。 这意味着当市场开始萎缩时,我们将看到更多人开始租房。因此,这对于精明的投资者而言确实非常好。但是,这对于您作为现役军人或您甚至是资深人士来说,真的很不好。我的意思是,如果您想用VA贷款购买房屋,并且在该物业上花了零钱,那么有人可以尝试骗您,而您可能会找到一个房地产经纪人,试图以高价卖给您。价格,您的抵押贷款是否能够跟上这个高价,您知道利率何时开始下降,而您损失了大量的股票资金,而您的抵押贷款却倒置了。

You know let's say you have to leave the area, let's say you leave on orders and then you realize that the rent in the areas have dropped a little bit because of XY and Z and you can't keep up with the rental market. 因为你的 mortgage is too high. So now you're losing money. You see 什么 I'm saying here. I mean these things can get really really you know crazy for folks who are not educated. So it's very important for you to understand 什么's going on. 那 way you can fight against it okay. Now let's talk about the rising Fed rate for a second and 什么 does this mean.

首先,美联储的利率是多少?美国联邦储备委员会的管理机构美联储(Federal Reserve Board)很好,它就坐在该委员会上,他们会注意某些因素。通常,当一年中的通胀率超过3%时,他们就会开始提高利率。现在由于市场以及我们一段时间以来趋势的好转,美联储开始提高利率。他们在今年早些时候提到,他们将筹集多次资金,到目前为止,自2018年初以来已经筹集了三倍资金。

他们’还希望在今年年底之前在这里再次提高它。因此,一定要注意,正如您所知,随着联邦利率的上升,我们将开始看到其他您知道的市场辅助效应。现在,联邦资助利率是银行相互借贷的比率。因此,随着费德勒开始上涨,我们将看到您普遍知道更高的利率和更高的借贷成本。

不仅抵押贷款,而且您知道使用信用卡,是的,信用卡利率将上升,而其他贷款权利将上升。基本上,您将开始在整个市场上看到较高的借贷成本。好的,所以如果我们要花更多的钱借钱,那么您将会看到更多的人没有借太多钱或根本没有借钱,因为他们负担不起,再一次,就像我说的那样,经济发展正常,并不一定意味着您将开始获得更多的工作报酬。

Typically you don't see that. You see a rise in pricing, but you don't see the same rise you know come from folks that are employed right, promotions. You know people still don't get promoted that much you know 什么 I mean. So you're not going to see an increase of income for individuals. Which means that you know stuff is going to get more and more expensive. People are going to start saving more, they're going to start cutting back on their costs. So the demand for goods and services are going to drop okay and then you know 什么 does that necessarily mean?

因此,对于作为房地产投资者的您来说,您不会出门借贷更多钱,也就是说,可以花钱购买翻转权利。您的成本将会非常高昂,也许这没有任何意义。尤其是随着美联储利率的上升,这意味着拥有此资产的每个月您的持有成本也将增加 不管是固定的还是在市场上试图出售的,您将要付出越来越多的钱。因为您从银行借钱所花费的利率也会更高。

So 什么 does that mean? 那 means you're going to start to see a lot more cash buyers okay and a lot less flippers in the market. Because flippers are going to lose big, especially if they're uneducated. so for you, if you're going to start getting into the flipping game; you want to understand 什么 it is you're doing, how long your property is going to sit on the market and I mean really you just got to have to watch every single dollar you know I mean let's be honest here.

因为如果您要进入这个市场就知道新的东西,那么现在的价格将比2009年,2010年的价格贵很多。好吧,明白了这一点,您就必须做出明智的决定。抵押将变得更加昂贵。因此,您将看到更多人开始寻找房租。我之前提到过这一点。

If people can't afford the mortgages. Because again right their income hasn't increased to you know to the market and then its people are going to start to look to rent alright. I mean people already look to rent you know. I think there's a misconception when it comes to mortgages and people just assume that renting is easier. I mean maybe it is in some cases sure. But you know 什么 that can make a savvy 房地产 investor very very wealthy okay.

So our goal here with ADPI is to inform you on how to become a savvy 房地产 investor, so you can benefit okay. Because 什么 is said to us to see is just so many service members getting taken advantage of you know with their VA loan. People don't understand the VA loan and so you know a seller will think that hey you know someone's going to buy from me, they have a VA loan; that's great. 他们 can get covered up to let's say $400,000 in an area. So I'm going to sell my house for three hundred and fifty dollars, three hundred and fifty thousand dollars right.

因为他们想获得尽可能多的东西。但是也许那所房子只值二十五万美元。但是,您知道您只是想购买这个未受过教育的人的第一套房子,却不知道。因此,繁荣就在您身旁,并且有一名服务人员被利用,而且发生的事情超出了您的想象。那’s why it's important for you to not only work with a good realtor right, someone is going to help you out if that's 什么 you're doing. But you have to have an understanding for the market itself.

Right you have to understand how to evaluate comps in the area. How to understand 什么 you're paying before you pay it right. All these factors go in to education and it's so important, it is so so so important so that you don't get taken advantage of before this market tanks okay. now the way things are trending right, it looks looking like it's going to happen here semi soon okay and semi soon I mean within like you know the next two years or so okay. So I mean who knows right, who knows.

凭空想象,我不是市场分析师。我一直在做大量的倾听,我一直在做大量的阅读,并且您知道我一直在尝试关联我所看到的一些趋势。   根据我去年读过的一篇文章,您知道在上一季度房屋购买量已经大大减少了,这只是因为现在的成本太高了。在某些市场中,这是不可思议的。您知道您会惊讶地买到多少钱,我知道纽约,但是在纽约市,他才开始大跌。

我认为他们在过去两个季度中都出现了两位数的下降,我相信这也是我上周读过的文章所得出的结论。你知道我只是在听很多,我在看很多这样的事情,我开始看到你知道好的指标,我们很快就会开始下降。您知道了解自己的身份对您很重要 从军队过渡,也许您已经过渡,或者您刚刚加入,或者您已经入驻了一点,但还有一点要走,请了解这些因素 的,我很抱歉理解教育权教育对于向前迈进非常重要。

You don't want to get taken advantage of and you want to understand 什么's going on. So that way you can be on top.

So finding off-market deals is great. Go out there, go ask around in your neighborhood. Find out if there are folks that maybe are looking to sell their property. Cause if you find that off-market deal there's a great chance that you'll get it for a lot cheaper than you would just from you know looking on the open market ok. Zillow can be a really good tool if you use it right. Ok make sure you go and you check out the properties that were sold within the last 12 months all right, find out 什么 they sold for.

那’s how you determine some of the comps in the area ok. You want to always compare that little estimate that they tell you about how much your house is worth is crap. Ok don't look at that all right. I will never tell someone to look at that and say that hey this is something you should go off of. Make sure you talk to a realtor in the area if you don't have access to the MLS and you find out 什么 the comps are you know within a mile from the place that you're looking or okay.

It’s important because you need to have accurate numbers as you're moving forward and then understand 什么 people are spending in your area before you spend it okay. If you are going to you know do renovations for your home. Let’s say you just bought a home and you can do renovations. All right understand 什么 you're doing with those renovations, how much you're spending okay. Because if you start spending too much, then you're going to end up putting yourself a horrible hole and that may not necessarily be good either.

对于那些 借他们的抵押贷款我知道利率现在更高了。这意味着,如果您进行再融资且利率较低,那么您的抵押贷款支付的金额可能会比您所知道的要多。对不起,好吧。因此,如果您要套现再融资,比如说您要从抵押贷款中提取资金,对不起,您从抵押中的股权中提取资金,而您将用这笔钱来比方说翻新车库或翻新厨房或其他合适的东西。

因为您想做一些与HGT相关的事情,所以您每个月要支付更多的钱,并且您必须了解这将如何影响预算。因此,请确保您对此有所了解。如果您要这样做,那好吧,假设您要从抵押贷款中的权益中提取资金,然后将其用于投资房地产,这绝对是一件好事只要您了解该区域的收益率就可以了。

因此,借钱购买资产权利是明智的。但是借钱把债务买回去并不明智。因此,资产是可以为您带来收益的东西。但是,负债只是一种可以带走金钱,而且不会将其重新存入您的帐户的方法 那里有很多负债。有很多看起来像资产的负债,或者人们认为资产正确。像您的房屋一样,您的房屋也可能是负债。

If you are not using your house to produce income for you, then yes your house is by definition a liability. But it can be an asset to if you have certain you know ways to draw and come from it. 那’s why we teach house hacking. 那’这就是为什么我们刚刚出版了一本有关军事房屋被盗的书的原因。因为有很多方法您甚至不必在那里,就可以从您的财产权中提取收益。

因此,如果您还没有的话,请去看看那本书。如果您还没有抓住它,那就在亚马逊上。它’真的很便宜。您可以得到它,是的,它确实使您真正知道如何可以将最大的负债变成最大的资产打开了您的胸怀。

所以,是的,我的意思是,教育再次变得非常重要,并且与您一起前进,您将了解市场发展的正确方向,我的意思是,您知道有多少退伍军人可以被利用,这绝对令人恐惧。我只是和来自南卡罗来纳州的ADP ME成员交谈,她是在告诉我关于我们的士兵最近在住房市场中获利的信息。最近刚购买的房屋价格高于市价权。

仅仅因为她所使用的房地产经纪人诱使她从某人那里购买房屋,而该人利用他们的VA贷款来利用某人的利益,而且这种情况发生得比您想像的要多。因此,对我们来说,受教育尤为重要,尤其是当这个市场开始转向时。因为人们将开始寻求尽可能多地出售房屋。 因为他们担心市场会下跌并且他们会损失很多钱。

Guess who they're going to look for? Oh you have a VA loan, you're good, you don't have to spend any money on it and you could just hold your house until however long and you're going to make money, so you're okay. No! Okay don't do that and don't fall in that trap. Buy smart and buy right. Make sure that your Realtor is working with you. Make sure that you understand 什么 the comps are in the area right.

Make sure that you understand 什么's happening in that area. Ask them for comps from the for the past year, two years right. Get some trends and do the market analysis yourself. If you're noticing that the comps in that area are rising, maybe that's a good thing. Maybe it's not right. you know if you're noticing that the comps in that area are falling right, maybe that's a good thing, maybe it's not you  know.

我的意思是,在您开始公正地采取行动之前,您必须首先进行自己的教育,因为您不想犯那种错误。但同时,您也不想陷入分析瘫痪。因此,您必须了解好吧,我需要多少教育才能知道并做出正确的决定。

And you also have to have an exit strategy all right. I definitely can't stress that enough. An exit strategy is important because 什么 happens if that market does tank right. Ask yourself the hard question. If the market tanks tomorrow how am I going to get out of that situation where I'm upside down on my mortgage. Is the mortgage that I have each month you know still cheap enough underneath the cost of rent in my area?

So if I wanted to rent my place out to someone, can they afford it? If your intention in buying a house is just because you want to get the biggest and baldest house on the block. you know you don't care how much you spend you just want to have a really really comfortable HGTV style of living and you don't do anything with it, well guess 什么 either you're just going to get you know taken advantage of with this market buying in your little A class neighborhood and when the market tanks, you're going to be the one to lose a lot of money.

Oh and by the way if your mortgage is above two thousand and you don't have you know a market for rent that high in your area, then guess 什么 happens when you get orders and you get sent off to another location? You know let's hope you're able to find a renter. I pray you're able to find the renter. But you know if you're not you're going to lose a lot of money you know and losing a lot of money again is relative.

因为你的 属性是真的可以。所以也要理解,当您购买房地产时,您也在购买不动产。假设您找不到这么多的租房者。让’s say you find a renter for eighteen hundred and you're losing about two hundred dollars. 因为你的 mortgages is you know 2000 okay. 是的,那很糟糕。因为您不想拥有会给您带来负现金流的出租物业。

Okay you never want that kind of situation. But if you look at it from perspective right. If you look at it from using perspective, you'll see that you know the asset that you have is real. So it's almost like you're putting that money right $200 into a bank account that is going to rise in value over time. If your intention is to keep your 出租物业 for the rest of your life or for 30 years or 什么ever the case may be, the markets not going to be down forever right. At some point it's going to go back up and at some point your house is going to be worth more than it was.

I mean we've had people on the 播客 that have been through that. Buddy Rushing, perfect example of it. he spoke about you know how he bought right at the height of the market like the very very top of the market and how a few months later the market just tanked and he started losing so much money on the property and he's upside down. He still has that property today and just now today the property is getting right to about 什么 he purchased it from back in 2008 all right.

所以,我的意思是,嘿,您再次知道,房地产并不是一种快速致富的计划。因此,您必须保留您的财产一段时间,通过持有它们,您将意识到在将来的某个时候它们会增加您所知道的价值。但是请了解,如果您处于可以从抵押贷款和租金中获益的位置,那么希望您的收入足以支付这笔费用。因为现在这变成了支出,所以对债务负责,并且如果您的意图不是长期持有,则应该承担责任;希望您不要在那笔交易上亏钱。

了解所有人非常重要,您知道的所有这些都很重要,您不能仅仅以少于五万的抵押出售物业。因为我的意思是你可以,但是你仍然必须欠那家银行五万美元。因此,您必须在某个时候支付该费用。在这个市场上前进的过程中要理解的重要事项还可以。

受过教育,这绝对是至关重要的。您必须了解一些不同的知识 scenarios just so you feel comfortable and moving forward. Because things changing guys and it's very important. 那’不要吓you你。但这是要激励你。

使用我们的平台,利用我们的平台,我们为您提供了很多东西,您可以利用它们来取得成功并取得成功。但是,如果您不前进,就会落伍。但是没有人在右边,也没有人在后面。太棒了认为我会以此结束。

So that's going to wrap it up guys. Thanks so much for listening. If you are ready to get started changing your life in 房地产投资, make sure you hit up our 网站; www.activedutypassiveincome.com and take our course and get plugged into our start the spark program. We offer mentorship for you guys. So we can all capitalize in 什么’继续。还要确保您在Facebook组上签出了它。

We’再有我们的现场Q&一种;在太平洋标准时间的11月7日17:30在Facebook小组上每月进行一次问答环节。您不知道如何确认自己已成为我们Facebook组的成员,您可以在下面的显示注释中看到该链接。非常感谢您的收听,希望您以后过得愉快。

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