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Why I Switched to iPhone on my Real Estate Journey

Why I Switched to iPhone on my Real Estate Journey   Summary   Hey guys welcome back to my page. Today I'd like to jump into one of my personal financial decisions that effectively changed the way I live my life with the simple idea of getting myself one step closer to financial independence through real estate. What'd I'd like to try to do here is get some of you into my state of mind and how I tackle every day issues when It comes to finances. I’m not a big money wizard working with 100s of thousands of dollars. I’m an ordinary father and husband trying to accomplish extraordinary goals by making simple changes to my everyday life. How could it possibly make sense for me to become an iPhone person and SAVE money on my phone bill? Keep reading to find out.   Backstory   To kind of get things started off here I’d like to just say I’ve never been a person big on material possessions or jumping on the latest trends to impress the people around me. Luckily at a young age I dis

Why everybody is still going crazy over real estate, and the reason I chose this for my investments

     Photo by Kvnga on Unsplash   Growing up through my very early 20s in the real world and in the military everybody was always talking about real estate. The owner of the company I worked for at the time started out in rental properties and used that money to buy his first business. Many higher-ups in the military spouted constantly about their 8-10 properties they own/manage.  I kept hearing about it everywhere I went and I've always wanted to do something with my life. I tried multiple small businesses out of my second-story apartment that eventually failed due to my lack of enthusiasm for the idea. I'd write it all up, make fliers, and post them all over my tiny town in Missouri. After a week or two of no responses or bogus spam, I'd give up and slowly slither back into my hole. I eventually developed the idea that business ownership just wasn't for me. That was my mindset at the time. I've since come to realize, through various books and mentors, that busine

My Home Insurance Didn't Payout AGAIN

I recently had to inquire about replacing my roof with my insurance company. I had a roof guy out to my house to tell me about the damage, gave me the date of different issues I could claim. I had bent back shingles and asphalt had flaked off of a lot of major parts. I also had dents in the shingles indicating hail damage.  After everything was done, he left and wrote up an entire report and gave me a speech for when I call the insurance company. I thought, "this is crazy, right?". We're gearing up for war trying to gather information on getting my roof replaced. It was like a crime scene. He had chalk lines around all the hail damage and smudged the wind damage so it wouldn't look as exciting. On my personal home insurance hail is a 1% deductible and wind damage is a 2% deductible.  Not so obvious to me at the time the insurance company will push to do the wind damage replacement. Same replacement, but as a homeowner, I would be on the hook for more money out of pock

What Does it Mean to Live Paycheck to Paycheck?

Today is the day that you've decided you want a change! You're tired of working every month just to be in the same situation next month no matter how hard you try by yourself. Living paycheck to paycheck is the normal life for most Americans these days no matter their financial status or ranking.  You get that glorious bi-weekly deposit and it's off to the races! You've got bills to pay, food to buy, mouths to feed, cars to gas, and many other items on your to-do list that leaves the bank account a little on edge after a few days.   Now everything is taken care of, for the moment, but now we just wait another 2 weeks to repeat the cycle all over again. Is that how it's meant to be? Does it feel right barely having enough to get through to the next big payday and then it just drains out as fast as it came? You're not alone, but that certainly doesn't mean you have to put up with it anymore! What does it mean to Live Paycheck to Paycheck? As I kind of got into

Historic Lows?? Is a Home Refinance the Best Move?

This has been a year full of ups and downs across many different aspects of life. Since COVID-19 has started people have lost jobs, started jobs, changed career paths, and gone on unemployment. This has been some of the worst months for certain people and some of the best for others. Due to all of the changes going on right now and that continue to happen one of the biggest questions on everybody's mind is, "Should I refinance my home?", "Will a lower monthly payment help us get through these harder times?", "Will a shorter loan term give me more money for the future?", "Does paying less interest matter to me?". Everybody has questions about this new uncertain future and hopefully some of the information belong will hope answer that for you, and if not feel free to reach out  and we can discuss your specific situation.  How much does a refinance cost? This can be the biggest hurdle for many people when it comes to changing up their mortgage.

J. Money Inspired Millionaire To-Do List

It's finally time to get this on paper for the first time ever! Of course I have various spreadsheets and apps talking about my expenses, assets, and my goals for increasing one while minimizing the other(honestly could go either way), but putting out a list to the universe of what needs done to break the ceiling on a 7 figure net worth is totally different.  Obviously this awesome idea comes from  J. Money over at Budgets are $exy and his Millionaire Club . We're all wannabes just out here getting it done. From the looks of it though, several have crossed that threshold and I'm looking to follow closely behind! In order for me, Ryan, to become a Millionaire, I pledge to do the following (each year): Start contributing to my 401k - My company currently does an automatic match of 3% so I don't have to contribute any minimums. I'm not currently contributing due to limited funds and my drive to purchase real estate at a young age. I'm slowly realizing putting all o

The REAL Cost of Managing Your Own Properties

So you want to get into Real Estate Investing, but don't know where to begin? You see everybody talking about the bigger margins online and you really want to get in on that, like really. You start researching around about the different expenses you have to deal with, how to do a market analysis to figure out where and how to buy. Things get overwhelming pretty quick, believe me I know!  Enter the Property Management company (PM). You find out they pretty much take care of everything! No more worrying about tenants, or getting up in the middle of the night to fix pipes! It all sounds good and dandy at first, but much does a service like this cost. You scour the web looking at different sources, start calling around and finally get someone on the phone who knows what they're talking about. You hear the dreaded numbers..10% of gross rent, or in some cases $100 minimum.  Btw if anybody tried to charge you a "minimum" maintenance fee, then walk away while you&