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	<title>Safeguard Financial &#187; Real Estate Investing</title>
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		<title>Real Estate IRA: Loan or Own?</title>
		<link>http://www.ira123.com/2010/08/07/real-estate-ira-loan-or-own/</link>
		<comments>http://www.ira123.com/2010/08/07/real-estate-ira-loan-or-own/#comments</comments>
		<pubDate>Sat, 07 Aug 2010 19:29:27 +0000</pubDate>
		<dc:creator>Robert</dc:creator>
				<category><![CDATA[Alternative Investment Options]]></category>
		<category><![CDATA[News & Articles]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Self Directed Investing]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[401k Investing]]></category>
		<category><![CDATA[401K loan]]></category>
		<category><![CDATA[Checkbook IRA]]></category>
		<category><![CDATA[Real Estate IRA LLC]]></category>
		<category><![CDATA[Rollover 401k]]></category>
		<category><![CDATA[Rollover IRA]]></category>
		<category><![CDATA[Self Directed IRA]]></category>
		<category><![CDATA[Self Directed IRA Real Estate]]></category>
		<category><![CDATA[Trust Deed Investing]]></category>

		<guid isPermaLink="false">http://www.ira123.com/?p=3905</guid>
		<description><![CDATA[In our last blog posting, we introduced you to investment opportunities that we can recommend with several of our trusted partners offering programs suitable for a Real Estate IRA or Solo 401(k). Two of these Real Estate investment programs are based in Texas and recently, an article was published in The Atlantic magazine that fully [...]]]></description>
			<content:encoded><![CDATA[<p><strong></strong><br />
In our <a href="http://www.ira123.com/2010/07/13/real-estate-ira-vs-wall-street/">last blog posting</a>, we introduced you to investment opportunities that we can recommend with several of our trusted partners offering programs suitable for a <a href="http://www.ira123.com/" target="_blank">Real Estate IRA</a> or <a href="http://www.ira123.com/solo-401k/" target="_blank">Solo 401(k)</a>.</p>
<p>Two of these <a href="http://www.ira123.com/investments/" target="_blank">Real Estate investment programs</a> are based in Texas and recently, an article was published in <a href="http://www.theatlantic.com/">The Atlantic</a> magazine that fully supports investing in Texas for some very solid reasons.</p>
<p>Here’s a brief summary of the article:</p>
<p><em>No state is thriving in the wake of the Great Recession, but compared to the rest of the country, <span style="text-decoration: underline;">Texas is experiencing something like an economic boom</span>.  Three of top five most resilient major metro areas for employment are in Texas &#8211; McAllen, Austin and San Antonio.  And, Texas was recently named by <a href="http://www.cnbc.com/" target="_blank">CNBC</a> as the <a href="http://www.cnbc.com/id/37642856/CNBC_s_Top_States_For_Business_2010_And_The_Winner_Is_Texas" target="_blank">“Top State for Business”</a> for the second time in three years.</em></p>
<p><em>There are 4 reasons why Texas is a great place to invest:</em> <em><strong></strong></em></p>
<p style="padding-left: 30px;"><em><strong>1.  A Late Start</strong> &#8211; because of energy and technology, Texas declined slower than the national average and bounced back faster.<strong></strong></em></p>
<p style="padding-left: 30px;"><em><strong>2.  Stable Real Estate</strong> &#8211; diversification, non-exotic lending practices, abundant &amp; cheap land prevented a “bubble” like those in California, Florida, Arizona &amp; Nevada.<strong></strong></em></p>
<p style="padding-left: 30px;"><em><strong>3.  The Right Mix</strong> &#8211; stable industries such as energy, education, high-tech, health care and military spending have served to keep the economy going.<strong></strong></em></p>
<p style="padding-left: 30px;"><em><strong>4.  Something About Texas</strong> &#8211; it’s a popular place to do business because of tax incentives, a plentiful labor supply, lower wages and less regulation.</em></p>
<p>Here is a link to the full story: <a href="http://www.theatlantic.com/business/archive/2010/07/how-texas-is-dominating-the-recession/60721/" target="_blank">How Texas Is Dominating The Recession</a></p>
<p>According to the article, San Antonio is the only large metro area to place in the top 10 of these post-recession categories: lowest unemployment, lowest percent job loss since December 2007, and lowest decline in home prices.</p>
<p>Right now, many of our <a href="http://www.ira123.com/real-estate-investing/" target="_blank">Self Directed IRA Real Estate</a> investors are focused on San Antonio, Texas. They’re “loaning” funds, rather than “owning” property, through a turn-key program with one of our trusted partners . It is classified as “<a href="http://www.ira123.com/documents/ConstructionLending-FactSheet.pdf">Interim Construction Lending</a>”.</p>
<p>Purchasing rental property for dependable cash flow is a very good long-term option, but this is a “great” short-term option with interest rates being paid to investors of 18% to 20%.</p>
<p>Anyone is eligible to invest using either <a href="http://www.ira123.com/checkbook-ira/" target="_blank">Checkbook IRA LLC</a> &amp; <a href="http://www.ira123.com/solo-401k/" target="_blank">Solo 401(k)</a> funds or personal funds.  Interest is paid monthly and the term of the loan is 6 months.  After that period, the investor can roll right into another specific loan.</p>
<p>Utilizing <a href="http://www.ira123.com/" target="_blank">Self Directed retirement funds</a> is perfect for this investment since it has the potential of “supercharging” your account at a time when many investors have seen significant losses in the stock market.</p>
<p>Risk is mitigated by a tightly controlled process whereby funds are disbursed in stages or “draws” by the builder.  In essence, the investor is in first lien position and is protected just as a bank would be under the same circumstances.</p>
<p>Please click on this link: <a href="http://www.ira123.com/documents/ConstructionLending-FactSheet.pdf">Interim Construction Lending</a> for a <strong>Fact Sheet</strong> on this investment opportunity.</p>
<p>For detailed information, please contact us by phone at 877-229-9763 or fill out a <a href="../investments/" target="_blank">Contact</a> form.</p>
<p><strong>Safeguard Financial</strong><br />
877-229-9763<br />
<a href="../2010/07/13/" target="_blank">www.IRA123.com</a></p>
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		<title>Real Estate IRA vs Wall Street</title>
		<link>http://www.ira123.com/2010/07/13/real-estate-ira-vs-wall-street/</link>
		<comments>http://www.ira123.com/2010/07/13/real-estate-ira-vs-wall-street/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 19:16:01 +0000</pubDate>
		<dc:creator>Robert</dc:creator>
				<category><![CDATA[Alternative Investment Options]]></category>
		<category><![CDATA[News & Articles]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Self Directed Investing]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[401k Investing]]></category>
		<category><![CDATA[Checkbook IRA]]></category>
		<category><![CDATA[Real Estate IRA LLC]]></category>
		<category><![CDATA[Self Directed IRA]]></category>

		<guid isPermaLink="false">http://www.ira123.com/?p=3845</guid>
		<description><![CDATA[Recently, I read an article on Market Watch by Paul B. Farrell.  The article is entitled “Wall Street’s Invisible Gorilla Is Killing America’s Soul”, on the Wall Street Journal’s Digital Network. Then, within days, USA Today published an article entitled “Computerized Stock Trading Leaves Investors Vulnerable” by Matt Krantz, Staff Writer. A summary of Farrell’s [...]]]></description>
			<content:encoded><![CDATA[<p><strong> </strong><br />
Recently, I read an article on Market Watch by Paul B. Farrell.  The article is entitled “<a title="Market Watch" href="http://www.marketwatch.com/story/an-invisible-gorilla-is-killing-americas-soul-2010-06-22?pagenumber=1" target="_blank">Wall Street’s Invisible Gorilla Is Killing America’s Soul</a>”, on the Wall Street Journal’s Digital  Network.</p>
<p>Then, within days, USA Today published an article entitled “<a title="USA Today" href="http://www.usatoday.com/money/markets/2010-07-09-wallstreetmachine08_CV_N.htm" target="_blank">Computerized Stock Trading Leaves Investors Vulnerable</a>” by Matt Krantz, Staff Writer.</p>
<p>A summary of Farrell’s article goes straight to the heart of the matter:  “Wall Street has no conscience, no soul, no ethics, no moral values&#8230;other than to get rich as fast as possible”.  But, he says, equally as troubling is that “we, as Main Streeters, are not only allowing it, but are addicted to continuous participation in it, regardless of outcomes”.</p>
<p>Krantz, in the USA Today article flatly states “There are no real buyers and sellers, the machines see stocks not as securities used by companies to raise money, but rather, symbols, numbers and bits that are traded, swapped and exchanged”.</p>
<p>Now, here’s the really scary part.  Krantz reveals that “<span style="text-decoration: underline;">technological advances are making it nearly impossible for regulators, who play a critical role in maintaining a fair market, to monitor the system that by its very nature has no paper trail and buries transactions in mountains of data</span>”.</p>
<p>After reading both these articles about Wall Street’s “rigged casino” mentality, hopefully you’ll be ready once and for all to distance yourself from the madness by seeking alternatives to your investment options.  And, your best option is to invest in the distressed real estate market with a <a href="http://www.ira123.com/real-estate-investing/" target="_blank">Real Estate IRA</a>.</p>
<p>Over the last year, more and more clients have asked us if we could recommend Real Estate investment options for their self directed plans.  So, we began investigating numerous turn-key Real Estate investments that are tailor made for <a href="http://www.ira123.com/real-estate-investing/" target="_blank">Self Directed IRAs and 401(k)s</a>.</p>
<p>We narrowed our focus to three companies that have entirely different business models and will fit the needs of most of our clients.  And, we can wholeheartedly endorse these companies as having competent and ethical leadership.</p>
<p>In fact, we are investing alongside our clients in two of the companies.  The investment amounts range from $22,000 to $300,000.  Historical returns are from 12% to 20%.</p>
<p>Following are brief descriptions of each program:</p>
<p><span style="color: #993300;"><strong>Interim Construction Lending – Texas &amp; The Pacific Northwest</strong></span></p>
<p>Because of tight lending restrictions by banks, builders have had to go to private sources to build residential homes for buyers who are pre-qualified for a mortgage and have entered into a purchase and sale agreement for the property.</p>
<p>In essence, you become “The Bank”.  The process is turn-key with everything in place, including legal documents to support the loan and put you into 1st lien position. Investment: $25,000 to $140,000.  Typical term is 4 to 12 months, at which time you can reinvest or not.  Returns: 12% to 20%.</p>
<p><span style="color: #993300;"><strong>Model Home Leasebacks – Major Metro Areas of Texas</strong></span></p>
<p>In order to free up capital to build homes within a subdivision, builders are willing to sell their model homes and then lease them back at very attractive rates. These model leasebacks are extremely rare since builders have cut back on new development over the past year. Cash flow is estimated from $600 to over $2200 per month.</p>
<p>Tenant is the builder and already in place with leases! Some of these homes come with a “resale agreement” from the builder. Use your Self Directed IRA or 401(k) as an all cash lending resource or obtain a non-recourse loan to leverage the purchase.  Investment: $159,00 to $300,000.  Returns: 12% to 20%.</p>
<p><span style="color: #993300;"><strong>Cash Flow Homes – 26 States</strong></span></p>
<p>These are residential properties that offer an affordable program to first time home buyers, with an owner-financing component. The homes have been rehabbed and have an installment contract buyer in place.</p>
<p>All properties come with the following:  in place installment contract buyer, copy of contract, free and clear title, national servicing company, national title company, credit report of installment buyer, recent comparable sales, info on the area, pictures of the home before and after, inspection/repair report, and performance guarantee.</p>
<p>Unlike owning a rental property, by offering first time home buyers a program with a deed for land contract component, they have pride of ownership. The buyers are considerably more qualified, pay on time, and show pride of ownership, thus increasing the value of the property and improving the community.  This approach protects against property value decline and insures long term cash flow without the hassles of being a landlord.  Investment: $22,00 to $60,000. Returns: 13% to 15%.</p>
<p>For detailed information on these investments, please contact us by phone at 877-229-9763 or fill out a <a href="http://www.ira123.com/investments/" target="_blank">Contact</a> form.</p>
<p><strong>Safeguard Financial</strong><br />
877-229-9763<br />
<a href="../" target="_blank">www.IRA123.com</a></p>
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		<title>Come Prepared for the Best Deals</title>
		<link>http://www.ira123.com/2010/06/16/come-prepared-for-best-deals/</link>
		<comments>http://www.ira123.com/2010/06/16/come-prepared-for-best-deals/#comments</comments>
		<pubDate>Wed, 16 Jun 2010 07:56:16 +0000</pubDate>
		<dc:creator>Brian</dc:creator>
				<category><![CDATA[Alternative Investment Options]]></category>
		<category><![CDATA[News & Articles]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Self Directed Investing]]></category>
		<category><![CDATA[401k Investing]]></category>
		<category><![CDATA[Checkbook IRA]]></category>
		<category><![CDATA[Real Estate IRA LLC]]></category>
		<category><![CDATA[Self Directed IRA]]></category>
		<category><![CDATA[Self Directed IRA Real Estate]]></category>

		<guid isPermaLink="false">http://www.ira123.com/?p=3788</guid>
		<description><![CDATA[Distressed properties continue to be the primary investment interest of the hundreds of self directed investors we speak with every month. This is no surprise, as distressed home sales continue to make up about 30% of total home sales nationally according to First American Core Logic. The discounted prices at which these properties are being [...]]]></description>
			<content:encoded><![CDATA[<p><!-- 		@page { margin: 0.79in } 		P { margin-bottom: 0.08in } --></p>
<p style="margin-bottom: 0in;">Distressed properties continue to be the primary investment interest of the hundreds of self directed investors we speak with every month.  This is no surprise, as distressed home sales continue to make up about 30% of total home sales nationally according to <a href="http://www.facorelogic.com/uploadedFiles/Newsroom/Distressed_Sales_Report_April_8.pdf" target="_blank">First American Core Logic</a>.  The discounted prices at which these properties are being purchased bode well for the investor ready to seize the opportunity.</p>
<p style="margin-bottom: 0in;">As we have discussed in <a href="http://www.ira123.com/2009/08/20/iras-distressed-property-pt1/" target="_blank">prior blogs</a>, being prepared is the key to success in this market.  The very best deals go to those investors who can write strong, clean offers.  Banks are not at all interested in contingent offers with dependencies on funding, far-off closing dates, or indeterminate naming on title.</p>
<p style="margin-bottom: 0in;">A cash offer from a qualified buyer who can close cleanly will end up at the top of the bank&#8217;s loss mitigation agent&#8217;s desk each and every time – even if it has a slightly lower price than a competing, non-cash offer.</p>
<p style="margin-bottom: 0in;">With a <a href="http://www.ira123.com/checkbook-ira/" target="_blank">Self Directed IRA</a> or <a href="http://www.ira123.com/solo-401k/" target="_blank">Solo 401(k)</a> offering checkbook control, you can write the best offer, and can get the best deals.  Many of our investor clients are doing just that, and purchasing fantastic investment properties markets across the country.</p>
<p style="margin-bottom: 0in;">These powerful self managed investment plans allow you to write an offer and commit with a deposit check on the spot – with none of the paperwork delays associated with self directed IRA&#8217;s held by a <a href="http://www.ira123.com/custodian-vs-checkbook/" target="_blank">3<sup>rd</sup> party trustee</a>. You can easily provide proof of funding, and – with an established plan in place – the name of the entity that will be taking title.  Because you are fully in control with these plans, you can act on opportunities with confidence.</p>
<p style="margin-bottom: 0in;">What does not work so well is the practice of getting a property under contract&#8230; and then trying to establish a <a href="http://www.ira123.com/real-estate-investing/" target="_blank">Real Estate IRA</a> to fund the transaction.</p>
<p style="margin-bottom: 0in;">If being prepared is the way to get the best deals, this approach is the best way to lose a good deal.  We speak to far to many investors approaching their investment strategy in this backward fashion, and in many cases they wind up disappointed.</p>
<p style="margin-bottom: 0in;">We frequently see banks just walk away from a deal the second an investor starts trying to change anything related to the contract.  Banks holding REO properties commonly have another offer in line, and do not feel at all inclined to go out of their way to accommodate your change in direction.  You lose.  It&#8217;s that simple.</p>
<p style="margin-bottom: 0in;">Being prepared does not mean you need to liquidate your current investments to cash while you are out looking for real estate opportunities – as many potential investors believe.  You can establish a new self directed plan and initially move only enough funds for an earnest money deposit.  Alternately, you can move a larger portion of your portfolio, but keep it fully invested within the new plan until you are ready to execute on a transaction.  This type of flexibility is just one of the many benefits of the self managed plans we offer at <a href="http://www.ira123.com/" target="_blank">Safeguard Financial</a>.</p>
<p style="margin-bottom: 0in;">So, if you are seriously considering adding real estate to your retirement investment portfolio with a self directed IRA, call and speak with one of our expert IRA advisors today.  We understand self directed IRA&#8217;s, real estate investing, and what it takes to succeed in the distressed property arena – and we&#8217;re more than happy to share this knowledge with you.  You owe it to yourself to be prepared.</p>
<p><strong>Safeguard Financial</strong><br />
877-229-9763<br />
<a href="../" target="_blank">www.IRA123.com</a></p>
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		<title>Real Estate IRA 70s Show</title>
		<link>http://www.ira123.com/2010/05/03/real-estate-ira-70s-show/</link>
		<comments>http://www.ira123.com/2010/05/03/real-estate-ira-70s-show/#comments</comments>
		<pubDate>Tue, 04 May 2010 04:25:18 +0000</pubDate>
		<dc:creator>Robert</dc:creator>
				<category><![CDATA[Alternative Investment Options]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Self Directed Investing]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[401k Investing]]></category>
		<category><![CDATA[Checkbook IRA]]></category>
		<category><![CDATA[Real Estate IRA LLC]]></category>
		<category><![CDATA[Rollover 401k]]></category>
		<category><![CDATA[Rollover IRA]]></category>
		<category><![CDATA[Self Directed IRA]]></category>
		<category><![CDATA[Self Directed IRA Real Estate]]></category>
		<category><![CDATA[Tax Liens]]></category>
		<category><![CDATA[Trust Deed Investing]]></category>

		<guid isPermaLink="false">http://www.ira123.com/?p=3774</guid>
		<description><![CDATA[In the late 1970s, the economy was limping along and there wasn’t a great deal of optimism. Mortgage rates were around 10% and home appreciation was running at about the 50 year average of 4.7%. It was during this “boom period” that I did my first “rehab &#38; flip”. I paid $8500 for a 2 [...]]]></description>
			<content:encoded><![CDATA[<p><strong> </strong><br />
In the late 1970s, the economy was limping along and there wasn’t a great deal of optimism.  Mortgage rates were around 10% and home appreciation was running at about the 50 year average of 4.7%.</p>
<p>It was during this “boom period” that I did my first “rehab &amp; flip”.  I paid $8500 for a 2 bedroom, 1 bath single family home, put $1500 in it and sold it for $15,000.</p>
<p>Being a young, single guy, I didn’t have much money (and certainly not a <a href="http://www.ira123.com/real-estate-investing/" target="_blank">Real Estate IRA</a>) so I had to partner up with a fellow who owned the local lumber store.  He paid cash for the property and supplied the building materials.  I supplied the sweat equity.  We split the profits 50/50.</p>
<p>That didn’t seem like such a bad deal to me at the time.  Still doesn’t.</p>
<p>The latest Case-Shiller Housing Report offers up an interesting view of our current housing circumstance.  The key observation is that the prior housing decline in the 90s lasted about 8 years, and that was against a better economic background filled with the rise of growth fueling technologies like cell phones and the internet.</p>
<p>The current housing mess is now in it’s third year and is against the backdrop of a weaker, more debt laden government and economy.  This suggests the housing market (and thus the banks and the economy) is likely to struggle for years to come.</p>
<p>Now, for those who are discouraged by this report, I want to remind you that every person is in the same boat.  We’re all experiencing the negative impact of this meltdown.  But, as we have written many times these last several years, there’s a silver lining in those dark clouds&#8230;if you have a <a href="http://www.ira123.com/real-estate-investing/" target="_blank">Self Directed Real Estate IRA</a>.</p>
<p>The deals are everywhere.  You just have to look.</p>
<p>Today, a new client called to tell me that he had just picked up a short sale in Goodyear, AZ for $129,000 with his <a href="http://www.ira123.com/real-estate-investing/" target="_blank">Real Estate IRA</a> plan.  Three years ago, it was built for almost $300,000.  And guess what, the short sellers are renting the home back from our client at $1100 per month.  After taxes and other expenses, that’s about an 8% return, not including built-in appreciation and long term appreciation.</p>
<p>There’s an enterprising Real Estate Broker/Investor in Dallas, TX that we’re very familiar with.  He’s put together a Construction Lending program for builders that are having a hard time borrowing money from the bank.</p>
<p>The builders own the lots free and clear and have a sales contract in hand from an approved buyer with the mortgage all lined up. <a href="http://www.ira123.com/real-estate-investing/" target="_blank">Self Directed IRA</a> investors are acting as the bank with all the attendant rights of a lien holder and are earning an annualized rate in the 18% range.</p>
<p>Many of our clients are investing close to home, but equally as many are venturing out to places where the deals are better.  It’s not hard if you hook up with a professional team that offers turn-key services so you, the retirement investor, can just write the check from the <a href="http://www.ira123.com/checkbook-ira/" target="_blank">Checkbook IRA</a> or <a href="http://www.ira123.com/solo-401k/" target="_blank">Solo 401k</a> bank account and let everyone else do the work.</p>
<p>Will these opportunities be around for long?  Yes.  How long?  Not sure, but it’s almost a certain fact that prices won’t go any lower.  As time goes by, more and more people are not just picking up one deal, but multiple deals.</p>
<p>In the next few years, the great deals will be gone.  Good deals will still be around and just plain old deals will be available.  So, it’s just a matter of degree.</p>
<p>Real Estate, except in times of wild speculation, has always been a great investment.  More millionaires have been made by investing in real property than any other way.</p>
<p>So, shake off the negative thoughts about what has happened to you and get out there and make something happen.  It’s not too late to set up a <a href="http://www.ira123.com/real-estate-investing/" target="_blank">Real Estate IRA</a> with &#8220;<a href="http://www.ira123.com/custodian-vs-checkbook/" target="_blank">checkbook control</a>&#8220;.   There’s still those 70s “rehab &amp; flips” all around you&#8230;not to mention great “buy and hold” rental property.</p>
<p>If you&#8217;re serious about growing your retirement wealth through  investing in Real Estate with your self directed IRA or  Solo 401(k), <a href="http://www.ira123.com/contact-us/" target="_blank">contact</a> one of our expert Self Directed IRA advisors today.  We&#8217;ll have you up and  running in 30 days or less with the fastest, turn-key setup process in  the industry.</p>
<p><strong>Safeguard Financial</strong><br />
877-229-9763<br />
<a href="http://www.ira123.com" target="_blank">www.IRA123.com</a></p>
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		<title>Update: Real Estate Outlook 2010</title>
		<link>http://www.ira123.com/2010/04/13/update-real-estate-outlook-2010/</link>
		<comments>http://www.ira123.com/2010/04/13/update-real-estate-outlook-2010/#comments</comments>
		<pubDate>Wed, 14 Apr 2010 00:59:37 +0000</pubDate>
		<dc:creator>Robert</dc:creator>
				<category><![CDATA[Alternative Investment Options]]></category>
		<category><![CDATA[News & Articles]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Self Directed Investing]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[401k Investing]]></category>
		<category><![CDATA[Checkbook IRA]]></category>
		<category><![CDATA[Real Estate IRA LLC]]></category>
		<category><![CDATA[Rollover 401k]]></category>
		<category><![CDATA[Rollover IRA]]></category>
		<category><![CDATA[Self Directed IRA]]></category>
		<category><![CDATA[Self Directed IRA Real Estate]]></category>
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		<guid isPermaLink="false">http://www.ira123.com/?p=3757</guid>
		<description><![CDATA[At the beginning of 2010 we wrote an article stating that “2010 will look a lot like 2009&#8230;and the worst is over and those huge drops in prices are a thing of the past”. Now that the first quarter is behind us, what’s really apparent is that even though things have somewhat stabilized, there’s a [...]]]></description>
			<content:encoded><![CDATA[<p><strong></strong><br />
At the beginning of 2010 we wrote an article stating that “2010 will look a lot like 2009&#8230;and the worst is over and those huge drops in prices are a thing of the past”.</p>
<p>Now that the first quarter is behind us, what’s really apparent is that even though things have somewhat stabilized, there’s a lot more pain to come.</p>
<p>As poorly as the housing market has performed so far this year, some economists think it may soon get worse.  Millions of homeowners are behind on mortgage payments, leaving them vulnerable to foreclosures.  In turn, these distressed sales will further drive down prices of neighboring homes.</p>
<p>That’s the bad news.  Now for the good news.  As we have pointed out before, in every unfortunate situation or circumstance there is always opportunity for the investor who has set up, and operates, a <a href="http://www.ira123.com/real-estate-investing/" target="_blank">Real Estate IRA</a> or a <a href="http://www.ira123.com/solo-401k/" target="_blank">Solo 401(k)</a> plan.</p>
<p>Recently, one of our clients told us how he’s putting his <a href="http://www.ira123.com/" target="_blank">Self Directed IRA</a> to use.  He lives in California and is investing in real estate in Ohio.  A little over a year ago, a friend told him about a company that had experienced great success acquiring distressed properties in Youngstown.</p>
<p>With a professional team in place (Realtor, contractor, property manager, etc), the company is buying small single family homes on behalf of the investors and then doing a minimal amount of rehab work.</p>
<p>They rent the properties primarily to people who have been living in apartment buildings that want to live in a neighborhood with a yard.  The renters are actually paying less rent and are getting more square footage and amenities.</p>
<p>In some cases, the properties are offered on a lease/option basis and the renters are putting down a non-refundable deposit of up to $3000, in addition to first and last month’s rent.</p>
<p>Our client currently owns 4 of these properties&#8230;2 with personal funds and 2 with his <a href="http://www.ira123.com/checkbook-ira/" target="_blank">Checkbook IRA LLC</a>.  He tells us that the return on investment he’s experiencing is a lot better than when he had everything tied to the stock market.</p>
<p>This is just one example among dozens we hear about every week.  Each story seems to have a unique twist, but the common element is that these investors are doing very well with <a href="http://www.ira123.com/investment-real-estate/" target="_blank">IRA/401k real estate investments</a> because they’re willing to put some effort into understanding how to best grow retirement wealth.</p>
<p>If you haven’t read our posts on distressed properties and the opportunities for investment, click <a href="http://www.ira123.com/2009/08/20/iras-distressed-property-pt1/" target="_blank">HERE</a> to read the 3 part series. Now, more than ever, banks are going to be more willing to make deals with short sellers and with the properties they have taken back in foreclosure proceedings. Again, more opportunities.</p>
<p>If you haven’t done it already, get a <a href="http://www.ira123.com/self-directed-vs-traditional-ira/" target="_blank">Self Directed IRA plan</a> set up, find a good Realtor with training in the distressed property market and start making offers.  The time to take control of your own retirement investing is now.</p>
<p>Contact one of our <a href="../about-safeguard-financial/" target="_blank">Expert  IRA Advisors</a> at your earliest convenience in order to put together  an investment plan that will meet your needs and put you in a position  to take advantage of any opportunity that may come your way.</p>
<p><strong>Safeguard Financial</strong><br />
877-229-9763<br />
<a href="../" target="_blank">www.IRA123.com</a></p>
]]></content:encoded>
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		<title>Outlook 2010: Real Estate</title>
		<link>http://www.ira123.com/2010/01/21/outlook-2010-real-estate/</link>
		<comments>http://www.ira123.com/2010/01/21/outlook-2010-real-estate/#comments</comments>
		<pubDate>Thu, 21 Jan 2010 08:42:00 +0000</pubDate>
		<dc:creator>Robert</dc:creator>
				<category><![CDATA[Alternative Investment Options]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Self Directed Investing]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[401k Investing]]></category>
		<category><![CDATA[Checkbook IRA]]></category>
		<category><![CDATA[Real Estate IRA LLC]]></category>
		<category><![CDATA[Rollover 401k]]></category>
		<category><![CDATA[Rollover IRA]]></category>
		<category><![CDATA[Self Directed IRA]]></category>
		<category><![CDATA[Self Directed IRA Real Estate]]></category>

		<guid isPermaLink="false">http://www.ira123.com/?p=3677</guid>
		<description><![CDATA[To get straight to the point&#8230;2010 will look a lot like 2009. In other words, BIG opportunities for Self Directed IRA real estate investors. In the early part of 2009, we forecast that real estate prices would stabilize either in late 2009 or early 2010. And, at this point, it looks like the worst is [...]]]></description>
			<content:encoded><![CDATA[<p><strong> </strong><br />
To get straight to the point&#8230;2010 will look a lot like 2009. In other words, BIG opportunities for <a href="http://www.ira123.com/" target="_blank">Self Directed IRA</a> real estate investors.</p>
<p>In the early part of 2009, we forecast that real estate prices would stabilize either in late 2009 or early 2010. And, at this point, it looks like the worst is over and those huge drops in prices are a thing of the past.</p>
<p>That doesn&#8217;t mean there won&#8217;t be additional price drops, especially in cities where <a href="http://www.ira123.com/2009/10/20/foreclosures-worst-3-months/" target="_blank">foreclosures</a> dominate the market. Conversely, where inventory is limited and jobs are not an issue, expect to see some slight appreciation.</p>
<p>Regarding the <a href="http://www.ira123.com/2009/08/20/iras-distressed-property-pt1/" target="_blank">distressed market</a>, foreclosures and short sales are likely to increase. With the job market in the tank and fewer homeowners able to keep up with their mortgage, options are limited. This scenario probably won&#8217;t change for the next few years.</p>
<p>So, what does this mean for <a href="http://www.ira123.com/real-estate-investing/" target="_blank">Real Estate IRA</a> investors? While it is truly unfortunate that many Americans are being hit really hard with the economic meltdown, it is a FACT that opportunities for cash investors are almost unlimited.</p>
<p>Properties in desirable areas are at all-time lows and investors can practically name their price. Being that this type of investing is determined purely by the potential for cash flow, there should be no emotional attachment. That makes it easy to simply move on to the next property, if the seller is unwilling to accept an offer.</p>
<p>In 2010, huge returns will be realized by investors who have the cash to make the deals.  Rent-to-own and owner financing will also continue to grow in popularity and unless the lenders loosen their restrictions, it could be “Back To The Future” to the 1970s and 1980s when high interest rates bred “creative financing”.</p>
<p>It bears repeating. Cash is king and for investors who are taking advantage of <a href="http://www.ira123.com/checkbook-ira/" target="_blank">Checkbook IRA</a> plans to scoop up properties, the sky is the limit.</p>
<p>If you haven&#8217;t read our posts on distressed properties and the opportunities for investment, click <a href="http://www.ira123.com/2009/08/20/iras-distressed-property-pt1/" target="_blank">HERE</a> to read the 3 part series. About the only update we can offer to these posts is the fact that banks are going to be more willing to make deals with short sellers and with the properties they have taken back in foreclosure proceedings. <em>Again, more opportunities.</em></p>
<p>So, if you haven&#8217;t done it already, get a <a href="http://www.ira123.com/" target="_blank">Self Directed IRA</a> plan set up, find a good Realtor with training in the distressed property market and start making offers.</p>
<p>The time to take control of your own retirement investing is now.  Contact us today to get started.</p>
<p>Safeguard Financial<br />
<a href="http://www.ira123.com" target="_blank">www.IRA123.com</a><br />
877-229-9763</p>
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		<title>5 Keys to Investing Success</title>
		<link>http://www.ira123.com/2009/12/03/5-keys-to-investing-success/</link>
		<comments>http://www.ira123.com/2009/12/03/5-keys-to-investing-success/#comments</comments>
		<pubDate>Thu, 03 Dec 2009 09:41:03 +0000</pubDate>
		<dc:creator>Brian</dc:creator>
				<category><![CDATA[Alternative Investment Options]]></category>
		<category><![CDATA[Business Finance]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Self Directed Investing]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[401k Investing]]></category>
		<category><![CDATA[Checkbook IRA]]></category>
		<category><![CDATA[Finance A Business]]></category>
		<category><![CDATA[Self Directed IRA]]></category>
		<category><![CDATA[Self Directed IRA Business Funding]]></category>
		<category><![CDATA[Self Directed IRA Real Estate]]></category>
		<category><![CDATA[Tax Liens]]></category>

		<guid isPermaLink="false">http://www.ira123.com/?p=3665</guid>
		<description><![CDATA[At Safeguard Financial, we speak with hundreds of investors each month interested in using a self directed IRA to gain more control over their retirement investing.  Whether these clients are seasoned pros or new to the concept of managing their own investment decisions, we are always intrigued by the variety of investment goals and methodologies [...]]]></description>
			<content:encoded><![CDATA[<p>At <a href="http://www.ira123.com/" target="_blank">Safeguard Financial</a>, we speak with hundreds of investors each month interested in using a self directed IRA to gain more control over their retirement investing.  Whether these clients are seasoned pros or new to the concept of managing their own investment decisions, we are always intrigued by the variety of investment goals and methodologies they employ.  Through this wealth of shared experience, we have identified several key principals to successful investing with a Self Directed IRA or Solo 401(k), and thought it might be beneficial to share.</p>
<p><strong>1 &#8211; Invest in What You Know</strong></p>
<p>One of the primary benefits of a truly self directed IRA is that the range of possible investment types and asset classes is huge.  You can invest in <a href="http://www.ira123.com/investment-real-estate/" target="_blank">real estate</a> and related paper such as mortgages, and <a href="http://www.ira123.com/other-investments/" target="_blank">tax liens</a>.  There are opportunities to invest in or loan to businesses.  Many investors are drawn to commodities, foreign exchanges, or private investment funds.  We work with a lot of individuals who see the opportunity to start and <a href="http://www.ira123.com/operating-a-business/" target="_blank">operate their own business</a> and become their own boss.  But, if you don&#8217;t know the ins-and-outs of a particular investment type, you are no better off than trusting the manager of a mutual fund to make decisions for you.  The first step to successful investing is to be educated in the areas that interest you.</p>
<p><strong>2 &#8211; Keep Your Eyes Open</strong></p>
<p>Because there are so many types of investments you can make with a <a href="http://www.ira123.com/" target="_blank">Self-Directed IRA</a>, you should always be exploring your sphere of influence and keeping your eyes open for opportunity.  Do you have an associate behind on their mortgage, but with good prospects for recovery?  Is there a business you know of that has a growth opportunity but no access to credit?  Is the house down the street about to go to foreclosure auction?  Often the best deals are the ones you create, not necessarily those being hawked by someone who makes a commission by selling a pre-packaged investment.</p>
<p><strong>3 &#8211; Choose the Right Investment Plan</strong></p>
<p>There are several varieties of retirement plans that allow for self direction.  Whether a custodian-managed IRA, a <a href="http://www.ira123.com/checkbook-ira/" target="_blank">Checkbook IRA</a> or <a href="http://www.ira123.com/solo-401k/" target="_blank">Solo 401(k)</a>, or a <a href="http://www.ira123.com/operating-a-business/" target="_blank">Business Funding IRA</a> is the most appropriate tool will depend on the type, frequency and nature of the investments you will be making.  At Safeguard Financial, we offer the widest array of self directed IRA investment plans in the industry, and can help you to decide which route will best serve your individual needs.</p>
<p><strong>4 &#8211; Be Prepared</strong></p>
<p>By the time an opportunity for a profitable investment arrives, it is likely too late to capitalize if you do not have your investment vehicle in place.  Most plans take between 2 &#8211; 5 weeks to implement, by which time the deal may be gone.  Having your self directed IRA established and funded, even with just a minimal amount needed to commit to an investment, will put you in the best position to act quickly and seize the day.</p>
<p><strong>5 &#8211; Build the Right Team</strong></p>
<p>Successful investing is not a solo act.  While, ultimately, you are in control of your investment decisions, having the support and guidance of experts in the field is key to any successful venture.  In addition to having the right connections with realtors, business advisors, tax and legal professionals, etc., selecting the right self directed IRA advisor is critical.</p>
<p>With Safeguard Financial, you get much more than just the implementation of an investment vehicle.  Our team of <a href="http://www.ira123.com/about-safeguard-financial/" target="_blank">expert advisors and attorneys</a> have years of experience in retirement planning, real estate investment and small business ventures.  we can help you select the right plan for your needs, and guide you in the successful use of that plan.  Because all of our plans are individually authored by highly skilled ERISA attorneys, you can invest with confidence knowing that you will receive good guidance with regards to <a href="http://www.ira123.com/irs-rules/" target="_blank">IRS rules and regulations </a>related to your investment activities.</p>
<p>So, if you are ready to venture into the realms of self directed IRA investing success, <a href="http://www.ira123.com/contact-us/" target="_blank">contact us</a> today.  We&#8217;ll not only point you in the right direction, we&#8217;ll continue to support you as you travel down the road to greater retirement wealth.</p>
<p>Safeguard Financial<br />
877-229-9763<br />
www.IRA123.com</p>
]]></content:encoded>
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		<title>Yes, You Can Have a Solo 401(k)</title>
		<link>http://www.ira123.com/2009/11/04/yes-solo401k/</link>
		<comments>http://www.ira123.com/2009/11/04/yes-solo401k/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 07:20:02 +0000</pubDate>
		<dc:creator>Brian</dc:creator>
				<category><![CDATA[Alternative Investment Options]]></category>
		<category><![CDATA[News & Articles]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Self Directed Investing]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[401k Investing]]></category>
		<category><![CDATA[401K loan]]></category>
		<category><![CDATA[Checkbook IRA]]></category>
		<category><![CDATA[Rollover 401k]]></category>
		<category><![CDATA[Rollover IRA]]></category>
		<category><![CDATA[Self Directed IRA]]></category>
		<category><![CDATA[Self Directed IRA Real Estate]]></category>

		<guid isPermaLink="false">http://www.ira123.com/?p=3651</guid>
		<description><![CDATA[So you’re not currently self-employed and you think you don’t qualify for a “sole proprietor” 401(k) plan?  Think again. You can set up a Solo 401(k) even if you already contribute to an employer sponsored retirement plan&#8230;.and, there are HUGE benefits. Combined with the ability to invest into non-traditional assets, such as real estate, the [...]]]></description>
			<content:encoded><![CDATA[<p>So you’re not currently self-employed and you think you don’t qualify for a “sole proprietor” 401(k) plan?  Think again.</p>
<p>You can set up a Solo 401(k) even if you already contribute to an employer sponsored retirement plan&#8230;.and, there are HUGE benefits.</p>
<p>Combined with the ability to invest into non-traditional assets, such as <a href="http://www.ira123.com/investment-real-estate/" target="_blank">real estate</a>, the Safeguard Financial <a href="http://www.ira123.com/solo-401k/" target="_blank">Solo 401(k)</a> has some very attractive features that set it apart from other Self Directed IRA plans:</p>
<ul>
<li>High contribution amounts (up to $49,000 or $54,000 if over 50 years of age)</li>
<li>Permits tax-free loans (50% of the total plan value, up to a maximum of $50,000)</li>
<li>Exempt from taxes related to the debt-financed portion of a real property transaction</li>
<li>Self-trustee plan (an IRA custodian is not required)</li>
<li>Up to $22,000 of contributions can be designated to a Roth sub-account</li>
</ul>
<p>Any type of business can establish a Solo 401(k), so long as there are no full time employees other than the business owner and their spouse.  It can be a partnership, corporation, LLC or sole proprietorship.  Also, the business doesn’t have to exist yet&#8230; you can set up a new business at the same time you establish the plan.</p>
<p>In other words, if you work for someone else, you can still set up your own business and initially fund the Solo 401(k) plan with a former plan rollover or transfer from an existing traditional IRA or SEP IRA.</p>
<p>A good example is Steve.  He is a security officer for a large manufacturing company and decided to offer his services on weekends for private events.  So, he set up a new company “Steve’s Security Services” and rolled over a 401(k) from a former employer to initially fund his new Solo 401(k) with $60,000.</p>
<p>Steve’s objective is to maximize contributions to his retirement plan and limit his tax liability, and now he’s got the perfect set up to accomplish it.  He earns $77,000 per year at his full-time job and his employer match is 3%.  So he contributes the full salary deferral of $16,500 and the manufacturing company contributes another $2,310.</p>
<p>Being very successful in finding part-time opportunities through his side business, Steve earns a total of $22,000.  While Steve cannot make additional deferral contributions due to maximizing through his full-time employer’s plan, he can utilize the profit sharing portion (employer match) of his Solo 401(k).  This allows him to contribute 25% of his self-employment earnings &#8211; another $5,500.</p>
<p>The end result?  Steve added $24,310 to his retirement plan, and reduced his taxable income by $22,000.  As a special bonus, this deferral reduced his adjusted gross income and put him in a lower tax bracket.  Steve saved more than $2,000 at tax time!</p>
<p>In a future blog, we’ll fill you in on how Steve invested his plan in some opportunities he identified in his local real estate market that resulted in a return on investment of over 20%.</p>
<p>Whether you are currently self-employed or considering adding a side business, you owe it to yourself to consider the Safeguard Financial Solo 401(k) plan.</p>
<p>The bottom line is this.  If you are truly interested in growing your nest egg, you need to explore your self-directed retirement plan options fully.  At <a href="http://www.ira123.com/" target="_blank">Safeguard Financial</a>, we offer the widest range of self directed investment plans in the industry.  All of our plans are focused on putting you in control of investment decisions, allow a broad range of asset choices, and are backed by the highest quality professional setup and advisory services&#8230; and a low cost guarantee.</p>
<p>Our expert IRA advisors can assist you in determining what the best fit for your particular situation may be, whether a <a href="http://www.ira123.com/solo-401k/" target="_blank">Solo 401(k)</a>, <a href="http://www.ira123.com/checkbook-ira/" target="_blank">Checkbook IRA</a>, Custodian-Managed Self Directed IRA or a <a href="http://www.ira123.com/operating-a-business/" target="_blank">Business Funding IRA</a>. When it comes to self directed IRA investing, Safeguard Financial is your one stop resource.  <a href="http://www.ira123.com/contact-us/" target="_blank">Contact us</a> today to learn more and take control of your retirement plan investing.</p>
<p>Safeguard Financial<br />
877-229-9763<br />
www.IRA123.com</p>
]]></content:encoded>
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		<title>Foreclosures: Worst 3 months&#8230;</title>
		<link>http://www.ira123.com/2009/10/20/foreclosures-worst-3-months/</link>
		<comments>http://www.ira123.com/2009/10/20/foreclosures-worst-3-months/#comments</comments>
		<pubDate>Wed, 21 Oct 2009 06:19:53 +0000</pubDate>
		<dc:creator>Robert</dc:creator>
				<category><![CDATA[Alternative Investment Options]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Self Directed Investing]]></category>
		<category><![CDATA[The Economy]]></category>
		<category><![CDATA[Checkbook IRA]]></category>
		<category><![CDATA[Real Estate IRA LLC]]></category>
		<category><![CDATA[Rollover 401k]]></category>
		<category><![CDATA[Rollover IRA]]></category>
		<category><![CDATA[Self Directed IRA]]></category>
		<category><![CDATA[Self Directed IRA Real Estate]]></category>

		<guid isPermaLink="false">http://www.ira123.com/?p=3628</guid>
		<description><![CDATA[In the past months, we have posted numerous articles related to real estate investment opportunities as a result of short sales, foreclosures and bank-owned properties (REOs) for investors who who have set up a Self Directed IRA plan to hold real estate. Now comes the news that foreclosures have just seen the “worst three months [...]]]></description>
			<content:encoded><![CDATA[<p><strong></strong><br />
In the past months, we have posted numerous articles related to real estate investment opportunities as a result of short sales, foreclosures and bank-owned properties (REOs) for investors who who have set up a <a href="http://www.ira123.com/" target="_blank">Self Directed IRA </a>plan to hold real estate.</p>
<p>Now comes the news that foreclosures have just seen the “worst three months of all time” according to a report by <a href="http://www.realtytrac.com//" target="_blank">RealtyTrac</a>, an online marketer of foreclosed homes.</p>
<p>The report stated that “ the foreclosure crisis may not diminish anytime soon. The fastest growing area is in the 180 days late-plus category, the most seriously delinquent borrowers.  It&#8217;s going to be a lingering problem.&#8221;</p>
<p>Quoting the RealtyTrac report, Les Christie, a staff writer with <a href="http://cnnmoney.com" target="_blank">CNNMoney.com</a>, comments that “the statistics may understate the depth of the foreclosure mess because lender and government actions have delayed many filings. As a result, some delinquencies have not been counted on the foreclosure tallies. That means the crisis may not end quickly”.</p>
<p>And because there are so many delinquent borrowers, RealtyTrac predicts the banks will be slow to take back their properties and put the repossessed homes back on the market.</p>
<p>&#8220;It&#8217;s hard to envision [the banks] putting millions of properties up for sale and cratering prices,&#8221; he said. &#8220;Recovery will be slow and gradual. I don&#8217;t see home prices getting much better until 2013, stated Rick Sharga, a spokesman for RealtyTrac. <em>(Read the entire article here: <a href="http://money.cnn.com/2009/10/15/real_estate/foreclosure_crisis_deepens/" target="_blank">Foreclosures: Worst Three Months Of All Time&#8230;</a>)</em></p>
<p><strong>So, there it is&#8230;</strong>for the next 3 years there will continue to be opportunities for <a href="http://www.ira123.com/real-estate-investing/" target="_blank">Real Estate IRA</a> investors who have made it their mission to understand their local markets and be ready to move into action when the right property is available.</p>
<p>If you haven’t done so already, go to the <a href="http://www.ira123.com/blog/" target="_blank">Safeguard Financial Blog</a> and read the following 3 posts related to short sales, foreclosures and REOs:</p>
<ul>
<li><a href="http://www.ira123.com/2009/08/20/iras-distressed-property-pt1/" target="_blank">IRAs &amp; Distressed Property – Pt1</a></li>
<li><a href="http://www.ira123.com/2009/08/26/iras-distressed-property-pt2/" target="_blank">IRAs &amp; Distressed Property – Pt2</a></li>
<li><a href="http://www.ira123.com/2009/09/01/iras-distressed-property-pt3/" target="_blank">IRAs &amp; Distressed Property – Pt3</a></li>
</ul>
<p>As we have discussed in this series of posts, opportunities for picking up “distressed” properties abound. Yet there are 3 fundamental steps that should be taken in order to be successful:</p>
<p style="padding-left: 30px;"><strong>Step 1</strong>: Education. Be able to speak the language of “distressed property”.<br />
<strong>Step 2</strong>: Put together a team of knowledgeable professionals to assist you.<br />
<strong>Step 3</strong>: Have the right plan in place prior to engaging in a transaction.</p>
<p>If you are serious about growing your retirement wealth through investing in distressed properties with your <a href="http://www.ira123.com/checkbook-ira/" target="_blank">self directed IRA</a> or <a href="http://www.ira123.com/solo-401k/" target="_blank">Solo 401(k)</a>, contact one of our expert IRA advisors today.  We’ll help you establish an investment plan that will enable you to be ready to act on opportunities quickly and gain the best deals.  Our experienced and professional team will have your Checkbook IRA or Solo 401(k) up and running in 30 days or less with the fastest, turn-key setup process in the industry.</p>
<p>Safeguard Financial<br />
877-229-9763<br />
www.IRA123.com</p>
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		<title>Smart Diversification</title>
		<link>http://www.ira123.com/2009/10/06/smart-diversification/</link>
		<comments>http://www.ira123.com/2009/10/06/smart-diversification/#comments</comments>
		<pubDate>Wed, 07 Oct 2009 06:17:17 +0000</pubDate>
		<dc:creator>Brian</dc:creator>
				<category><![CDATA[Alternative Investment Options]]></category>
		<category><![CDATA[News & Articles]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Self Directed Investing]]></category>
		<category><![CDATA[Checkbook IRA]]></category>
		<category><![CDATA[Real Estate IRA LLC]]></category>
		<category><![CDATA[Self Directed IRA]]></category>
		<category><![CDATA[Self Directed IRA Real Estate]]></category>
		<category><![CDATA[Tax Liens]]></category>

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		<description><![CDATA[One of the first things we learn as investors is the importance of diversification.  How many times have you heard the expression “Don’t keep all your eggs in one basket”?  A well balanced investment portfolio, we are told, should provide higher returns and pose lower risk than any single or concentrated group of investments. And [...]]]></description>
			<content:encoded><![CDATA[<p>One of the first things we learn as investors is the importance of <a href="http://www.fool.com/investing/general/2006/11/02/compound-your-diversification.aspx?source=isesitlnk0000001&amp;mrr=1.00" target="_blank">diversification</a>.  How many times have you heard the expression “<em>Don’t keep all your eggs in one basket</em>”?  A well balanced investment portfolio, we are told, should provide higher returns and pose lower risk than any single or concentrated group of investments.</p>
<p>And then, with most retirement plans, we are offered a handful of “diversified” offerings in just a handful of asset classes.  If you are invested in the “<em>balanced</em>”, “<em>international</em>” and “<em>growth</em>” funds offered through the typical company 401(K) plan, are you really diversified?  As many of us learned too late in this most recent stock market collapse, the answer is a resounding no.</p>
<p>With a <a href="http://www.ira123.com" target="_blank">self directed IRA</a>, you have the ability to diversify your portfolio by adding a wider range of <a href="http://www.ira123.com/other-investments/" target="_blank">asset classes</a> such as real estate, privately held stock, commodities and foreign currencies.  While that is a great start, many self directed IRA plans fall short when it comes to managing and balancing a well diversified investment portfolio.</p>
<p>In a self directed IRA held by a 3<sup>rd</sup> party custodian, your only in-house investment option is a money market account with an interest rate well below the rate of inflation.  If you want to invest in or re-allocate between, say, stocks and Forex, you need to spend both <em><strong>time and money</strong></em> just getting the custodian to move funds from one brokerage account to another… and in many cases there will be a charge simply for holding the brokerage account within your IRA.</p>
<p>What if you have a rental property or a note that generates good cash flow each month?  Do you want to erode that growth by either parking the income in a money market account or through the cost associated with moving funds to where they can be re-invested productively?</p>
<p>With a <a href="http://www.ira123.com/solo-401k/" target="_blank">Solo 401(k)</a> or <a href="http://www.ira123.com/checkbook-ira/" target="_blank">Self Directed IRA</a> with Checkbook Control, you are not handcuffed in this manner.  You really can control your retirement investments in ways not possible through any other investment platform.  Not only can you be truly diversified, but you can exercise another key element of smart investing by “<em>always keeping your money working</em>”.</p>
<p>In the <a href="http://www.ira123.com/custodian-vs-checkbook/" target="_blank">checkbook control plans</a> offered by <a href="http://www.ira123.com/about-safeguard-financial/" target="_blank">Safeguard Financial</a>, the assets of your retirement plan are held in a specially constructed legal entity which <em><strong>you control</strong></em>.  You can hold a full variety of asset classes in the name of your Checkbook IRA LLC or 401(k) plan trust, and easily move capital between these assets.  The income from the tax lien that was redeemed or the foreclosure fix/flip property that sold can easily and quickly be moved to where it will do you the most good – whether that is another tax lien, a private mortgage, or shares of a Fortune 500 company.</p>
<p>If you are serious about growing your retirement wealth through investing in an array of asset classes with your self directed IRA or Solo 401(k), <a href="http://www.ira123.com/contact-us/" target="_blank">contact</a> one of our expert IRA advisors today.  We&#8217;ll help you establish an investment plan that will enable you to balance your portfolio and re-allocate without unnecessary delays and fees.  Our experienced and professional team will have your Checkbook IRA or Solo 401(k) up and running in 30 days or less with the fastest, turn-key setup process in the industry.</p>
<p><strong>Safeguard Financial</strong><br />
877-229-9763<br />
<a href="http://www.ira123.com" target="_blank">www.IRA123.com</a></p>
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