tag:searchlightcrusade.net,2024:/mt//feed/investing 2024-05-07T00:32:53Z Movable Type 4.21-en 38 1 38 tag:gockel.hmdnsgroup.com,2006:/~searchli//3.2475 2024-04-22T14:00:00Z 2024-04-22T13:01:50Z Dan Melson http://www.searchlightcrusade.net/ If you've been around the financial planning business any length of time, you've likely run into the saying "The biggest risk is not taking one." It is endemic to all financial instruments, indeed, all investments, that return is the reward... tag:www.searchlightcrusade.net,2008://3.3789 2024-03-12T14:00:00Z 2024-03-12T13:52:41Z Dan Melson http://www.searchlightcrusade.net/ Is there any problems with having all your money in only real estate? That was a question I saw. The answer is YES there are problems! 1) No diversification. The real estate market tanks and you are hosed. The... tag:gockel.hmdnsgroup.com,2006:/~searchli//3.2425 2023-07-17T14:00:00Z 2023-07-17T16:05:35Z Dan Melson http://www.searchlightcrusade.net/ Continued from Part 1: Preparation and Part 2: Process This is about the long term consequences of the decision to buy or not to buy a home, and economic benefits analysis into whether you should want to buy. In order... tag:www.searchlightcrusade.net,2009://3.4826 2023-06-26T14:00:00Z 2023-06-26T13:26:44Z Dan Melson http://www.searchlightcrusade.net/ Can I qualify for first time home buyer financing if I buy a duplex and live in one and rent out the other? I thought if I bought a duplex, lived in one side and rented out the other would... tag:www.searchlightcrusade.net,2009://3.4820 2023-05-22T14:00:00Z 2023-05-22T15:45:14Z Dan Melson http://www.searchlightcrusade.net/ One of a long series of emails about this horrid product: (identifying details redacted) Learn How To Make More Money Per Client ($500-$1000) In This Workshop You Will Learn Why The Most Successful Mortgage & Real Estate Professionals Across The... tag:gockel.hmdnsgroup.com,2007:/~searchli//3.2891 2021-09-19T14:00:00Z 2021-09-19T12:57:41Z Dan Melson http://www.searchlightcrusade.net/ (This article was originally written in August 2006. The market and loan rate figures have changed, but the basic information is the same, as is the conclusion) Okay, you might expect a Real Estate Agent to have a post with... tag:www.searchlightcrusade.net,2009://3.4588 2021-08-19T14:00:00Z 2021-08-19T13:33:40Z Dan Melson http://www.searchlightcrusade.net/ An email: Hi Dan, I was reading your article on "should you pay off your mortgage faster?" (DM: link here DELETED It'll be a fresh 30 year loan and I'm 44 years old so this discussion has interest, I... tag:www.searchlightcrusade.net,2010://3.5000 2021-08-11T14:00:00Z 2021-08-11T10:40:14Z Dan Melson http://www.searchlightcrusade.net/ The most common mistake in real estate (and every other aspect of financial planning, for that matter) is to assume the situation now is going to continue indefinitely. In the stock market, people chase last year's returns. They "wait for... tag:gockel.hmdnsgroup.com,2007:/~searchli//3.2683 2021-03-07T15:00:00Z 2021-03-07T13:53:30Z Dan Melson http://www.searchlightcrusade.net/ This article was originally from April 2006 - anybody want to tell me I didn't call it? Of course, by that time it was like predicting a dropped anvil would fall but that was when the question was asked From... tag:www.searchlightcrusade.net,2009://3.4573 2009-02-23T15:00:00Z 2010-08-29T13:56:34Z Dan Melson http://www.searchlightcrusade.net/ The most common mistake in real estate (and every other aspect of financial planning, for that matter) is to assume the situation now is going to continue indefinitely. In the stock market, people chase last year's returns. They "wait for... tag:www.searchlightcrusade.net,2008://3.4377 2008-10-24T00:45:00Z 2008-10-24T00:50:28Z Dan Melson http://www.searchlightcrusade.net/ (expletive) unbelievable. Or rather, should I say, all too believable: House Democrats Contemplate Abolishing 401(k) Tax Breaks Words fail, but I'm going to try anyway: Do you have any idea how much of a difference for the worse it... tag:www.searchlightcrusade.net,2007://3.3648 2007-12-13T15:00:00Z 2022-10-03T16:54:57Z Dan Melson http://www.searchlightcrusade.net/ Can I qualify for first time home buyer financing if I buy a duplex and live in one and rent out the other? I thought if I bought a duplex, lived in one side and rented out the other would... tag:www.searchlightcrusade.net,2007://3.3709 2007-12-04T15:00:00Z 2009-08-06T13:57:00Z Dan Melson http://www.searchlightcrusade.net/ Just got another in a long series of emails about this horrid product: (identifying details redacted) Learn How To Make More Money Per Client ($500-$1000) In This Workshop You Will Learn Why The Most Successful Mortgage & Real Estate Professionals... tag:gockel.hmdnsgroup.com,2007:/~searchli//3.2856 2007-07-09T17:01:13Z 2022-06-20T16:20:17Z Dan Melson http://www.searchlightcrusade.net/ Hi Dan, I was reading your article on "should you pay off your mortgage faster?" (DM: link here DELETED It'll be a fresh 30 year loan and I'm 44 years old so this discussion has interest, I don't really... tag:gockel.hmdnsgroup.com,2007:/~searchli//3.2661 2007-02-18T22:41:05Z 2007-09-24T02:08:06Z Dan Melson http://www.searchlightcrusade.net/ I got an email asking me about whether purchase money loans were risk free, as in the buyer could walk away without consequence. Well, it's not the case: There are consequences to credit, tax consequences, and consequences to future financial... tag:gockel.hmdnsgroup.com,2006:/~searchli//3.2565 2006-12-20T18:00:48Z 2007-09-22T18:50:11Z Dan Melson http://www.searchlightcrusade.net/ Most of what you read on financial planning in the media is garbage, but here is one of those occasionally useful pieces: IRA Rollovers Could Have Tax Implications. Here's the idea: You keep company stock in your qualified plan aside... tag:gockel.hmdnsgroup.com,2006:/~searchli//3.2544 2006-12-03T18:00:10Z 2007-09-22T17:51:24Z Dan Melson http://www.searchlightcrusade.net/ A while ago I talked about Passive Asset Allocation as a way to beat market return as a strategy. So I'm going to write a bit about what it is, why it works, and how to do it. Passive Asset... tag:gockel.hmdnsgroup.com,2006:/~searchli//3.2530 2006-11-23T18:01:22Z 2007-09-22T03:30:18Z Dan Melson http://www.searchlightcrusade.net/ I am profoundly lucky in that I read "I Will Fear No Evil" in high school. Not an assignment, I just like to read, and Robert A. Heinlein has always been one of my favorite authors. A very few pages... tag:gockel.hmdnsgroup.com,2006:/~searchli//3.2524 2006-11-18T18:01:09Z 2007-09-22T03:19:06Z Dan Melson http://www.searchlightcrusade.net/ what happen when 401K leave blank on beneficiary Nothing unless you die, and it's not covered in your will or other documents. Then the state's intestate code takes effect. Each state has a law for how the estates of... tag:gockel.hmdnsgroup.com,2006:/~searchli//3.2471 2006-10-17T17:00:22Z 2022-03-07T14:43:03Z Dan Melson http://www.searchlightcrusade.net/ Is there any problems with having all your money in only real estate? That was a question I saw. The answer is YES there are problems! 1) No diversification. The real estate market tanks, like it has right now,...