Author: Online Trading Academy

How to Pay off Your Debt

One of my favorite phrases when I was growing up was, as American as apple pie! It’s one of those phrases that sticks with you whether you’re a proud American or you simply love apple pie! However, as I’ve gotten older and learned the way the financial world works I’ve created my own version of that saying: “as American as debt!” No matter how we look at it debt is an integral part of our day-to-day lives.

A slice of apple pie on a plate

Unfortunately, most Americans have taken on far too much bad debt, which eats away at their financial growth and wellbeing. Taking on too much debt can prevent you from achieving financial goals and put you in a position where you have no money left to live the life you want. Your goal should be to be debt free and use all that money you would have paid in interest to grow your net worth. Paying off your debt is actually much simpler than most people believe it is. It all begins with having a thorough understanding of three important variables: income, expenses and debt.

Let’s look at a simple example: Kevin works a 9-to-5 job and brings home a monthly paycheck of $5000. His expenses total $3000 a month. Included in the expenses are things like rent, gas, gym membership, groceries, entertainment, etc. He currently pays $550 a month in minimum payments for his credit cards and car loan. Now that we know the 3 key variables, we can calculate exactly how much disposable income is left over each month. As you can see in the table, after deducting monthly expenses and debt payments from income earned, Kevin is left with $950 each month.

Table showing income and expenses

Kevin’s total debt equals $17,000, $7,000 in revolving and $12,000 in installment. Unfortunately, many people perceive all debt as being equal. When you write it down with the interest rates charged, you can clearly see it is NOT all equal! Card #1 looks bad due to the high balance, but card #2 is a full 3% higher interest rate!

table showing monthly debt payments

Now the question is what to do with that $950 Kevin has left each month! If he was smart, he would use that extra monthly savings to pay down some of his debt. The key here is paying down the debt with the highest interest rate first! Most people’s first inclination would be to pay down the card with the $4000 balance. However, that card only has an interest rate of 18%. Card #2 has a balance of $2000 with a rate of 21%. Without looking at other factors, it would be prudent to pay down credit card #2 first because it has a higher rate. If he made the minimum payments on credit card #2, it would take him 2 years and 10 months to pay off that balance and cost him $653 in interest. If Kevin took $100 from his extra $950 each month and added that to credit card #2’s payments, he would pay off that balance in 1 year and 1 month and pay only $244 in interest. He would not only be cutting the length of time he has to make payments on this debt by 62%, he would also be saving nearly $400 in interest paid. Once he paid off the balance on credit card #2, he could now take the extra $100 plus the $80 that he was paying for credit card #2 and apply that to credit card #1. This is called the Debt-snowball method. It is one of the simplest, most effective strategies you can begin applying today to reduce your debt.

Access Free Financial EducationWhile this is just a simple example, it illustrates the importance of understanding where you stand financially. We know by looking at Kevin’s financial situation that he has $950 to do with as he pleases every month. If he simply took half of that monthly savings, $475, and applied it towards his current debt he could pay off all of his credit card debt in just over one year. The question is, where do you stand financially? Have you done analysis of all of your debt, income and expenses? How much money could you save by simply paying an extra $100 per month on your credit card balances? How about $300? The impacts of reducing your debt can significantly affect your credit score, net worth and much more! In our credit management course, we focus on several other ways to quickly reduce your debt exposure and introduce strategies to become debt free with a very high credit score! The key is being proactive. Get involved and understand every aspect of your financial health. The more you know, the more likely you will eliminate debt, grow your net worth and live the life you want!

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The Three Parts to Every Trade

Stock chart showing a supply and demand zone on a forex trade

Here, I’ll cover the three parts to every trade, and which one you actually have control of…

OK, so at Online Trading Academy, we look for the supply and demand zones formed by institutions to enter and exit our trades. The main reason for this is to be able ride the waves on the charts from one area of buying pressure to another area of selling pressure. The demand zones (when going long) allow us to use the massive buy orders from these institutions to help push prices higher; and the supply zones (when going short) allow us to use these massive sell orders to help push prices lower.

On the attached USDCAD chart, I’ve marked out a couple of obvious demand zones at 1.3370 – 1.3385, and supply zones at 1.3493 – 1.3505. When price returned to the demand zone on May 10, a buy order could have been placed to go long near 1.3385, and the subsequent target at 1.3492.

Stock chart showing a supply and demand zone on a forex trade

Three Parts to Every Trade

STOP LOSS – an order that is used to take exit a position either for a small loss if the trade went opposite expectations, a breakeven if price has moved as expected allowing the stop to be moved to the entry price, or for a profit when price has moved further as expected allowing the stop to be moved as price goes up to lock in profits.

ENTRY – the act of getting into a position; buy in demand to go long, sell in supply to go short

TARGET – an order to exit the position with a predefined profit

Now, as far as I’m concerned the only one of these orders I actually have control over is the entry. My stop loss always goes on the OTHER SIDE of the zone I use for entry (below the demand zone for a long, above the supply zone when going short.) My target always goes JUST BEFORE price could get to the opposing zone (just below the supply zone on a long profit target, and just above demand for a short profit target.)

If I only have true control over my entry, then I want to enter my trades as CLOSE TO the stop loss as possible. This way I can maximize the pips on this trade. If a trader were to enter this trade at the top of the zone at a price of 1.3385, with a stop just below the zone at 1.3368, it would have given us risk of 17 pips, with a potential profit target of 1.3490. The reward, then, would have been 105 pips. The reward to risk ratio would have been about 6:1 which is not bad at all! Now consider this, if the trader would have missed the good entry and not entered until about 1.3440, their reward to risk ratio would have been WORSE than a 1:1!

The point is this: institutions and their orders rule the markets. Traders need to be able to recognize where they have their orders positioned, so they can ride the moves between these massive buy and sell orders, (demand and supply zones). If the stop loss is placed randomly, they aren’t using the institutions to their advantage!

Another great thing about getting a very good entry is this: it could be possible to make A LOT more pips with potentially NO MORE RISK. The first time this was explained to me I was flabbergasted! Here is how it works:stock chart showing a forex trade entry, stop loss and target.

Let’s say we have a $100,000 trading account, and we have a rule in our trading plan that says we will risk no more than 2% ($2,000) on a position. Using the following EURUSD as an easy example, with an entry at 1.1313 and a stop above the zone at 1.1326, our risk is 13 pips and, with a target of 1.1260, our reward is 53 pips. With the 13 pips of risk and $2,000 of risk on any one position, our position size would be about 15.38 standard lots. With that position size, our gain in pips would be about 815 pips! (15.38 lots x 53 pips of reward.)

Now, with a much better entry, say, 1.1320, our risk would be 6 pips (remember, the chart tells you where the stop is!) and target would then be 60 pips. With the same $2,000 of risk, our position size is now 33.3 lots, approximately twice as large but with virtually no more risk! What do you think happens to the reward in pips when the position size doubles?

Be aware, it is NOT advisable to put this huge position size on in a $100,000 account! While the risk is theoretically limited to only 2%, if something unusual happens over a weekend, for example, a giant gap in the wrong direction could crush the account. This would be another example of a risk management rule, which we’ll have to save for another time. To learn more about additional risk management rules, check out our Professional Forex Course or contact your local center for more information.

To summarize, there are three parts to every trade: stop, entry, and target. When using the charts properly with supply and demand zones, traders only need to concentrate on the entry. With a very good entry, trade position size could increase dramatically with risk remaining virtually the same!

Until next time,

Rick Wright

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Rate of Return Calculations on Simple Option Strategies for Investors

Today we’ll show how to calculate the potential rates of return on the Covered Call, where an investor writes (i.e. sells) calls on a stock position that they own. The cash received for the options could lower the net cost of the stock position after the fact, enhancing profits (up to a point – but more on that later).

With this strategy, we are selling options and planning to wait for them to expire. When they do expire, our profit or loss will depend on what the stock price is at the time. We can easily calculate what that profit or loss would be given specific projected stock prices.

Let’s demonstrate:

Below is a chart of SPY as of the close on May 20, 2019. Let’s say that we think that SPY will rebound from the nearby demand zone and move up in the near term to around $293. We could consider buying the SPY shares at their current price of $283.96 and simultaneously selling a call option at the $293 strike price, expiring in July. These calls could be sold for $2.30 per share, or $230 for each call option (each option is for 100 shares).

SPY chart demonstrating a covered call trade

The net cost of the position would be $28,166. This would be like buying the SPY shares at $281.66 each, nicely within the yellow-shaded demand zone.

The rate of return on covered calls depends on how the stock behaves after we put the position on. If the stock goes up, we make a profit on the stock, and that profit is larger because our net cost is reduced. If the stock goes down, then we will lose money, but we will lose less than we would have had we not sold the call. Since, in this case, we sold the calls for $2.30 per share, we now have that amount of cushion. We won’t have an overall loss on the position unless SPY drops by more than $2.30 per share.

Free Trading WorkshopUsually the rate of return on covered calls is quoted two ways:

  • Rate of Return if Not Assigned
  • Rate of Return if Assigned

Rate of Return if Not Assigned assumes that the stock price does not move between now and the option expiration date. If we do not make or lose money on the stock during this time, then our net profit will be only what we make on the call itself. If the stock doesn’t go up, then the call will not be assigned and we will get to keep the $230 received for the call. A profit of $230 on an investment of $28,166 would be 81/100 of a percentage point in 59 days or 5.01% annualized. Not a fortune, but is it bad to make a 5% return on something that didn’t go up at all? Sounds OK to me.

The second ROR calculation, Rate of Return if Assigned, is the maximum possible profit on the position. That maximum profit is now limited. Having sold the call option, we are now obligated to turn over the stock to the call buyer when and if ordered to. We certainly will be ordered to if the stock is above $293 at expiration, so our maximum sales price can now be no more than $293. Our maximum profit would thus be our new maximum sales price for the 100 shares of $29,300, less our adjusted cost of $28,166. This is a profit of $1,134. That is 4.03% on our cost of $28,166 in a 59-day period (until the July options expire). That amounts to an annualized return of almost 25% – not bad at all!

These rate of return calculations could be summarized on a simple spreadsheet like the one below.

Covered Call rate of return spreadsheet example

The calculation of the rates of return on any covered call could be done in the same way. Using a model like this, you could easily compare different covered call opportunities to find those that beat or match your investing goals.

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Real Estate Newsletter – June 2019

Real Estate Marketing

Thoughts from Diana

I’m very excited to introduce our most recent addition to OTA Real Estate instructor pool- Chris Heffer. Chris has a deep background in fixing to rent, property management, and holding real estate in retirement accounts. Check out Chris’s article on Marketing your investment this month. He will also be teaching Foundations June 24-25.

While Chris’s focus is on marketing your property, my article focuses on the steps necessary to get the property ready for market.

Remember we are here to provide guidance and support, contact us.


HOW TO MARKET REAL ESTATE EFFECTIVELY

By Chris Heffer

No matter the real estate investing strategy, at some point in time all investors are going to need marketing. Whether advertising a rental to potential tenants, attracting cash buyers with a wholesale deal or reaching targeted buyers on a fix and flip, effective marketing could impact the bottom line. When marketing real estate, there are many marketing landmines that investors could avoid with a little knowledge.

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YOUR FIXER UPPER IS READY FOR THE FLIP – WHAT’S NEXT?!?!?

By Diana Hill

Personally, I experience two moments in the fix and flip process where I go – “Oh NO, what’s next!” One is at the close of purchase of the property and the other is when the property is ready for resale. To help me through these times I’ve created checklists, time lines and a project plan which help me move forward faster. These are important steps in the real estate marketing process that we preach and teach in all our real estate classes.

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Upcoming Classes

Contact your Student Support Representative to register for on-location classes. Foundations drop-in basis and will show up in your calendar.

Online Classes

Fix and Flip with Ron Fields
6/7/2019 – 6/10/2019

Real Estate Tax Strategies with Michael Atias
6/11/2019 – 6/12/2019

Real Estate Foundations with Chris Heffer
6/24/2019 – 6/27/2019 Evenings

Rental Investor with Jason Tom
6/27/2019 – 6/30/2019

RECC 4:00PM – 5:30PM (Pacific Time)
Topics and Instructors subject to change

6/6/2019: Deeper Look at LOI, Purchase Agreements and More – Jason Tom

6/13/2019: Special Guest  –Diana Hill

6/20/2019: Design and your Fix and Flip – Gary Tole

6/27/2019: Managing your Properties – Diana Hill

Questions can be submitted to help@tradingacademy.com and deals can be uploaded for deal review.

Office Hours for Total Solutions Students:
Tuesday 6:30 AM- 7:30 AM PST
Friday 12:00 PM – 1:00 PM PST

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How to Market Real Estate Effectively

No matter the real estate investing strategy, at some point in time all investors are going to need marketing.  Whether advertising a rental to potential tenants, attracting cash buyers with a wholesale deal or reaching targeted buyers on a fix and flip, effective marketing could impact the bottom line.  When marketing real estate, there are many marketing landmines that investors could avoid with a little knowledge.

Real Estate Marketing

Where to Start When Marketing Real Estate

Having a solid real estate marketing plan is integral to the successful sale or rental of a property.  So first things first, I would be remiss (and the OTA Real Estate marketing instructors would be disappointed) if I did not mention the seven P’s of marketing:

  1. Real Estate Price: For a rental this includes rent, deposits and, fees; for wholesale or fix and flip this is the sale price.
  2. Type of Real Estate Product: The house, condo, commercial building, land, etc. that is being sold. This is where creating curb appeal, using the in color and picking the right fixtures to get the high end look come into play.
  3. Place – Real Estate Location: This is an easy one, except perhaps in the case of mobile homes or floating homes, and simply refers to where the property is located.
  4. Real Estate Process: This is a lot about the real estate investor themselves. If wholesaling a property, the investor needs to be a good salesperson; personable and knowledgeable to help ensure  the transaction goes smoothly. If renting a property, the investor should focus on how they or their Property Manager will serve the tenant after move in.
  5. Physical Environment: The actual interaction your potential tenants or buyers have with your marketing. For example, where and how is the advertising being done and is that an effective strategy for the type of real estate being sold and the targeted audience?
  6. People – Real Estate Team: As is always emphasized in OTA Real Estate classes, having the right team in place is essential and this applies to the marketing of real estate as well.
  7. Property Promotion: Now we are getting somewhere: signs in the yard, internet listings on craigslist, social media, MLS and feeder sites, referrals, word of mouth, and direct marketing.

Real Estate Marketing Plan

Now let’s take the real estate marketing concept into a workable plan that can be quantified, performed and adjusted.  Just like  a real estate business plan, a marketing plan should be adaptable to changing markets and trends.  I always like to start off with what my potential exit is going to be, specifically looking at the demographics and understanding who is moving in (and out) of the neighborhood.  If my demographics show the average age of the area is over 60, then I need to base my rehab decisions on what my customer wants.  Likewise, if the 6 unit apartment complex is in an area popular with recent College graduates, I need to understand their needs and make sure I fulfill those, both in design and amenities of the units, but also in how I’m reaching them to let them know that I have the apartment they want.

Once I understand who my target is, I then need a strategy to reach them.  Does my mass marketing via social media platform reach who I want?  Is the For Rent sign in the yard attracting quality tenants?  Do I need to hire a real estate professional?  The answer to all these is Yes and No (and sometimes maybe).  Once I identify how I want to reach customers, I need to track every contact and ask, how did you hear about this vacancy, listing, deal?  Then I go back to my plan and see if I am spending my marketing time and money in the right places.

Pros and Cons of Real Estate Marketing Strategies

Sign in the Yard:  Real estate signs are inexpensive, immediate, guarantees the prospect has a certain level of interest in the area and is accessible by anyone who drives by.  However, a sign can be an indication that a house is vacant, reach is limited to those who see the sign, it provides very little information and can create laborious phone calls from under-qualified prospects.  Overall, a sign is an important tool but should not be the only one in a real estate marketing toolbox.  For a desirable rental on a busy street, a sign may be all that is needed, but in any other situation, other types of marketing will be required.

MLS and Syndicated sites:  A Realtor will be needed to get real estate listings in the MLS (Multiple Listing Service).  The data that is in the MLS then gets sent, or syndicated, to a large number of other sites that consumers can access directly.  This gets very detailed and verified property information out to an incredibly large audience.  The services of a Realtor come at a high price but often the exposure received in return is worth it.

Free Real Estate Marketing sites:  Many of the feeder sites that the MLS data feeds into can be accessed by investors to get their properties advertised for free.  The list of free real estate marketing sites gets larger every day: Zillow, Trulia, Redfin, Rent.com, rental.com, cozi, hotpads, apartment finder, apartments.com, etc.  In addition, there are sites that do not have any MLS agreements, such as Craigslist and FSBO, that have similar functionality.  The advantages here are low cost, wide reach, and a lot of information, pictures etc. can be included in the listing.  The disadvantage is that there is no way to tell who (or what) is replying to the advertisement.  For example, I stopped using Craigslist for my rentals a few years ago because for every one human I got in contact with, there were 10 computers sending me SPAM.    However, there are many markets where people still use Craigslist to find housing so investors should do the research based on their audience and decide if marketing on these sites would be beneficial given the risk.

Social Media:  Similar to the MLS feeder sites, new social media platforms pop up all the time trying to attract the new generation of housing buyers, investors and renters.  I have found that real estate investors who already use a specific social media platform, find success using that same platform to enhance their real estate business.  However, I have seen very little success in establishing a social media presence on a platform a new investor has never used before just for the purpose of marketing their real estate.   The exception to this rule is real estate wholesaling, because investor networking is critical to success.  In other words, investors who like to use Facebook, Instagram, YouTube, Snapchat, etc. could be successful in using them to enhance their other real estate marketing strategies.  An investor who wants to begin using social media should start off with a personal page and build up followers, then move into real estate once they are confident in their ability to manage their account and have ensured that the targeted demographic uses said platform.

Real Estate Marketing Landmines

Marketing real estate can be dangerous, plain and simple.  Real estate professionals, are held to a very high standard so, anyone marketing real estate should know a few basic rules:

  1. Fair Housing:  Although private investors are not held to as high a standard as Real estate Professionals, no one wants to spend the time and resources defending real estate advertising decisions.  Investors are advised to try and avoid all pictures of people, references to any religion (including close to a church), or any other indication that would be perceived as stating that the investment would not be right for any particular class of person.
  2. Regulation Z: The Truth In Lending Act requires specific disclosures for any entity that regularly offers credit.  This regulation is triggered for investors who offered consumer credit for dwellings more than 5 times in the preceding calendar year.  Any investor whose exit strategies includes owner financing should research the requirements first and weigh the pros and cons of advertising specifics of the financing they are offering.
  3. Real Estate Lease Options: Investors interested in this strategy should consult a real estate attorney who practices in their area to understand the contracts, advertising (specifically Regulation Z above), and disclosures associated with leasing real estate.
  4. Local Real Estate Rules: City, county, state, and HOAs all can have unique rules on what type of real estate advertising is allowed and what is not.  Most will focus on signs, specifically size, distance from unit, directional signs on public right of ways and the information on the sign.   Most of the rules can be determined by seeing what other Realtors in the area are doing. For example, if all vacant units in a condo complex have signs within 5 feet of the condo door, it’s a good bet that’s a rule.

Advertising is an integral part of real estate investing.  Having a real estate marketing plan, putting the plan in action, tracking effectiveness, and adjusting the plan are the keys; but it must all start out with understanding the rules and who the customer will be.

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Poison in Your Portfolio?

Most investors I speak to do not have a true retirement plan. This doesn’t mean that they are not saving for their retirement, it simply means that they have not taken the time to put together a proper plan that will ensure them that they can retire when they want to and, more importantly, live the lifestyle they choose.

When faced with retirement decisions, people either pour money into mutual funds listed in their company’s 401k plan or trust a financial advisor to guide them through the process. There are several problems with either of these choices and these problems could leave you well behind your goals or could postpone your retirement indefinitely.

Benefits of Creating a Real Retirement Plan

Everyone needs a retirement plan. A plan requires that you have several things factored out. You should know what it is you are investing in, what your cost basis is, where you plan to exit your investment and what the potential profit or loss might be. This type of retirement planning is important because markets do not move straight up or down, so timing your entries and exits could increase your returns while lowering the risk and time required to achieve your goals.

Financial markets experience booms and busts. Financial advisors will often tell you to ride out both environments with a simple buy and hold strategy where you leave your investments alone. Even when the markets are in a long-term rally, there is evidence that this is not the most beneficial. Why? Because even in a rally the markets will swing both up and down, so correctly timing the markets during those down swings typically yields much better returns.

$INX chart showing percentage of highs and lows in the stock market

Active investors employ various trading strategies designed for up, down and sideways markets to work towards their retirement goals. In contrast, most investors are just anxiously waiting for bear markets to turn so they can recoup their losses and get back to break even. When you consider that the average yearly return for the past thirty years is only 7.5% despite the fact that the broad markets have been experiencing the greatest bull run in history, its easy to understand why having a real retirement plan is essential.

401k Plans and Financial Advisors

You probably have a 401k retirement plan through your work. Have you ever wondered how the mutual funds that are offered in your 401k plan got in there? Here’s how it works. Your company will contact a brokerage to help them set up the retirement plan. Mutual fund companies will pay these brokerage firms a finder’s fee in order to be placed on your retirement plan list. The more money that gets placed into the fund from your paycheck, the more of a kickback the broker will receive. This is perfectly legal but not usually disclosed to you, the investor. Instead, those costs get buried in hidden fees that eat away at your returns. Over time this could subtract tens or hundreds of thousands of dollars from your retirement.

Financial advisors, brokers, wealth advisors or whatever you want to call them are a problem too. There is only a low bar to pass in order to become one. There are some advisors that complete further training, however, in order to make financial recommendations one must only pass two exams called the Series 7 and Series 63. There is no college requirement, and anyone sponsored by a brokerage who passes with a 72% score can call themselves a financial advisor, wealth advisor, broker or any other similar title.

You would think that the exam and licensing process would test the broker’s knowledge of the financial markets and their ability to evaluate customers’ needs. You would be wrong! Looking at the Series 7 exam breakdown, the largest portion of the exam is on procuring business and clients for the brokerage. The evaluation of customer’s needs and goals is the smallest portion! So, sales and preventing lawsuits are more important than getting great returns and meeting your goals.

Scoring for the Series 7 exam.

Brokers are paid based on their sales, not performance, so they don’t really have an incentive to seek out the best investments for their clients.. While a broker or financial advisor may tell you they are seeking out the best opportunities for you, they are often putting you into investments that are simply suitable for your portfolio. It’s possible they receive a kickback from the fund for referring you or they simply may not know any better.

In my workshops, I ask prospective students to bring in their account statements. I cannot and do not recommend securities, but we look to expose the many hidden fees and underperformance that could be poisoning their retirement portfolio.

Recently I was meeting with a couple of students at the Online Trading Academy Philadelphia campus. They had told their financial advisor that they wanted safety but also some growth in their portfolio. The advisor put them into Blackrock Equity Dividend Fund (symbol: MADVX). The advisor appeared to be trying to get their money into large cap dividend paying companies. While this seems to be in line with what the client wanted, it is obvious that the advisor had not bothered to look at the performance of the portfolio for some time.

MADVX vs $INX charts showing difference in returns

The mutual fund underperformed the market by an incredible amount. This is disturbing enough, but it is worse when you realize that there were additional fees tacked onto this investment. An alternative for them was the Vanguard High Dividend Yield Index Fund ETF Shares (VYM), which is an ETF that also invests in dividend paying large cap stocks. However, the yield is 3.05% versus the 1.91% of MADVX and the price is up over 59% in the same holding period.

Chart showing price increase for stock MADVX and VYM

You, too, may be holding poison in your portfolio. However, if your money is in a company 401k plan, you are likely limited in your choices of where you can invest. If that is the case, make sure you learn how to analyze the funds properly so you can choose the best of the bunch. Many bond funds contain stock and vice versa. You may think you have a balanced, diversified portfolio only to find out when the market crashes that your holdings overlapped, and you lost more than you should have.

It is advisable to only contribute what your company will match in your 401k. Any monies above that should be self-directed in securities that are better performing. If you do not know how to do this, get educated immediately! The Proactive Investor Program at Online Trading Academy can help you learn strategies that could increase your rate of return while minimizing risk in the markets.

In the course, there are four main strategies taught. First, you will learn strategies to properly analyze the mutual funds offered in your 401k, TSP or 429 retirement plans. You will also learn strategies to time when to enter the funds and when to go to cash for safety. The next step is understanding how fixed income products fit into your portfolio. Additionally, you are shown how to create your own annuity type product that could protect your principal and earn steady growth without the high fees of the insurance products. Finally, you will learn option strategies to take advantage of moves regardless of market direction. This added leverage with controlled risk is a key missing piece for many investors desperately trying to achieve their goals.

If you are comfortable with your accounts and where you are financially, congratulations. But if you are like most people out there, perhaps it’s time to take a hard look at where you are for your income and wealth levels. If you are not where you want to be, you must make a change to get there. Doing nothing will keep you heading down the wrong path. Act and commit to working toward your goals. It is easier than you think, and you are worth it.

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