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Stock Market Investing

Low Stress Options Trading

Link: lowstresstrading.com You will get a free book by purchasing through this link. If you are not familiar with Options trading, I would recommend reading it.

There are investments in the world that can compete with this strategy for return, but they are few, and all have a higher barrier to entry. The strategy involved selling options to generate a 1% return per week. This compounds to almost 67% annually. It would suffer in a market crash, but with over 60% returns, it would recover faster than an index fund. This is the program I promote most to friends and family. If you have normal intelligence and $6,000 to invest, this is an excellent program. My only word of caution is to be polite in the program. I have attached a message from the founder to explain why.

"Protecting you... one loser at a time...I have banned at least three different sales in the past few days (one just now) and many more in the past couple of months. Why? Because they had the wrong attitude, the wrong mindset, overly needy, expected us to jump through hoops for them or were just generally condescending, rude or even just “annoying” in the way they acted either on our calls or Helpdesk.

WE DO NOT NEED YOU... YOU NEED LSO...

Those that are here for an extended period of time know just how blessed you are to be a part of this community and get the level of support and commitment our ownership team offers and the incredible life-changing results that we deliver. Those that are new here, heed this warning. THIS IS THE LOW STRESS ZONE. If you bring a bunch of demanding, insulting, rude or just generally won't listen or follow the directions of our team that is trying to help you, we will simply remove you from the program."

Intro

All of the companies I have linked here are brokers or realtors. They do not build, rehab, or manage properties themselves. They connect you with teams from across the country and earn a referral fee or sales commission for facilitating these connections. This means they have connections with teams all over the country. If you worked with one of the providers directly, they would only have a limited geographic area. In theory, this also gives you greater leverage with the provider because mistreating you could cost the relationship with the larger company.

Sometimes the property providers also do the property management. Other times, the realtor will work with independent builders or flippers and independent property managers. Either way, remember you are vetting the ground team in each market separately, even if you have worked with the broker before. Also, it is a good idea to vet a backup property manager in each market before purchasing there.

REALWealth

Link realwealth.com

A brokerage with a good podcast. They allow you to contact their provider network directly from their website without a personal introduction. They offer free coaching calls with their in-house investment coaches. I did not find the coaches to be knowledgeable or helpful, but some of their property teams are of high caliber.

Turnkey Rentals

Get Rich Education

Link getricheducation.com

A brokerage with a very good podcast. They allow direct contact with their providers and free coaching sessions with their in-house investment coach. The coaching wasn't very useful to me, but I suspect he would handle basic questions well. They have a broad selection of providers, including some overseas opportunities.

Rent 2 Retirement

Link renttoretirement.com This link will book a call with an advisor there. An unfortunate necessity to work with them.

They are a realtor, which means the purchases go through them. This is probably why they don't list their providers; you will have to ask for an introduction to vet their teams. They have relationships with several credit unions and can help you get 5% down investor loans. Other than unique products like that, I recommend against using any of their preferred providers for business services. They recommend Tardus, which, as I have said, I recommend against. They will automatically send your information on to their recommended asset protection service, Nevada Corporate Headquarters. I tried working with this company, but the consensus from other lawyers I talked to is that their legal advice would be considered fraud, and they became very evasive when I asked them about this. So vet any connections very carefully.

Norada

Link {}

A realtor so introductions have to be requested. My understanding is the founder of this company is in prison for fraud in a sister company. That said, the people I have worked with at the company have been more helpful then any other turnkey provider, and they where the first to connect me with my favorite property team.

Intro

This section is an eclectic mix of resources that I RE investor may find helpful.

Others Rentals

Home Room

Link livehomeroom.com

This is a concierge service for creating rent-by-the-room houses. They operate in several markets and handle the whole process.

Padsplit

Link padsplit.com

This is a marketplace for rent-by-the-room rooms. It connects landlords and renters nationwide, but does not offer acquisition or management services. It does, however, have a marketplace for the sale of existing rent-by-the-room houses.

Creative Finance Playbook

Link creativefinanceplaybook.com

A podcast and coaching program about generating leads for and purchasing seller-financed or subject-to deals: if you know what you are doing, this is the best way to scale your portfolio, because you don't need down payments or bank financing.

Midterm Rentals

Link furnishedfinder.com

This platform is the major booking site for midterm rentals. These are stays of greater than 30 days but less than one year. Especially when marketed business to business this strategy has many advantages compared to long or short-term rental.

Rental Software

Baselane

Link baselane.com Use this link, and you will get a $100 bonus the first time you collect rent into your account

This is a banking platform for landlords. It includes built-in rent collection and some accounting features. My favorite part is that it is the easiest business bank account opening I have ever done, and you can use it for any LL,C not just real estate.

Nomad Lease

Link nomadlease.com This link will get you a $100 bonus when you sign your first lease with rent protection.

This is, in effect, a virtual property manager. Not only leasing, but also maintenance calls and repairs can be handled through the platform and at a very attractive price compared to traditional property management. Their strongest selling point for Nomad is that they offer a rent guarantee. If someone passes their vetting process, they will cover rent if that tenant stops paying.

Hemlane

Link hemlane.com

This is, in effect, a virtual property manager. Not only leasing, but also maintenance calls and repairs can be handled through the platform and at a very attractive price compared to traditional property management. Their biggest selling point is that they don't charge a percentage of rent. They have flat per-unit fees.

Rentredi

Link rentredi.com

This is a platform for self-managing rentals. More hands-on than virtual property manager platforms in this section, but at a much lower price point.

Innago

Link innago.com

This is a self-management platform that is completely free for landlords. Tenants will pay to use some features.

Doorstead

Link doorstead.com

They have both a self-management and a virtual property manager offering, but are only in select states

Withjoy.AI

Link withjoy.ai

This is an AI real estate agent that will refund you 50%-70% of the buyer's agent commission if you buy with them. A useful tool if you buy properties regularly. Unfortunately, they are currently only licensed in a few states.

Property Insurance

Intro

If you have an insurance provider you like by all means stick with them just be aware that not all insurance policies are the same. Below are four companies that specialize in landlord insurance and are available in most states. I recommend having regular conversations about price and more importantly coverage with multiple insurance providers.

Obie

Link obieinsurance.com

Steadily

Link www.steadily.com

NREIG

Link nreig.com

Foremost Insurance

Link foremost.com

Asset Protection

Intro

Asset protection is a very frustrating field. I have found most lawyers to be egotistical, condescending, and incompetent. If you ask them to provide citations for their recommendations, most can't do it, a transgression that would cause them to fail high school, but doesn't prevent them from charging hundreds of dollars per hour. Even when Chat GPT or Gemini understands the issue better than they do.

I cannot give legal advice, but my approach is like this. Wyoming has better privacy and asset protection laws, start by owning things in a WY LLC. Garrett Sutton has written books on this. I have read books by multiple asset protection lawyers, and these are the best I have found. His company, Corporate Direct, linked below, is the only law firm doing this in a cost-effective way.

It is technically possible to do it yourself, I would recommend Wyoming Registered Agents for this. They are linked below; you can use them to set things up in the correct way if you know what you are doing, but their default operating agreements are not ideal. The YouTube channel "Clint Coons Esq. | Real Estate Asset Protection" has some good content on the topic of operating agreements. However, I don't recommend his company, for both price and the reasons I mentioned in the first paragraph.

A final note is that the best asset protection possible is a foreign trust. I don't have a recommendation for this, nor should you worry about it when you're getting started. After you have a certain net worth, it does make sense to consider though.

Wyoming Registered Agents

Link wyomingagents.com

Corporate Direct

Link corporatedirect.com

Tax Preparation

Intro

The best way to reduce your taxes is to move overseas. See the expat resources section below. Short of that, tax planning is very important in real estate and business, but I haven't found a provider I feel good about. If you are just getting started, you could spend more on tax preparation than it will save you, and it is possible to do your own taxes and still get all of the real estate deductions and business deductions. The resource below is a DIY platform with minimal fees

Free Tax USA

Link freetaxusa.com

Business Funding

Intro

I have spoken with companies that charge thousands of dollars for very nebulous business credit benefits. My first recommendation is to read the book The New F Word by Merrill Chandler. It clears up a lot of myths of misconceptions about business credit. My second recommendation is not to worry about building up your business credit scores, and don't work with anyone who recommends that. Most small business lending doesn't even look at them. If you are the sole owner of the business, your personal credit report is 80% of what they base it on. This includes a lot of borrower behaviors that are not part of your credit score. The other 20% is business credibility, things like having a website and a separate business phone number listed with 411. For more info, buy the book.

There is a link to Merrill's bootcamp below; they will give you credit for the bootcamp if you later upgrade to the full coaching program.

If you are just getting started, you may find 7 Figures Funding an easier entry point. They only charge a percentage of the funding you actually get approved for. I found them very difficult to work with, but they did eventually do what they said they would. Just be informed when you go in; if you don't manage it, they will damage your credit profile with all of the applications they will have you make. So be sure to protect yourself.

7 Figure Funding

Link 7figurescredit.com

Get Fundable

Link businessfundingsummit.com

Turo

Intro

Turo is a very promising investment avenue. You can run it as a business and do it yourself, or you can buy a car and place it in service with a passive host. If you are going to run your fleet yourself, I suggest the YouTube channels "Aubrey Janik" and "Jeremy Watson" (not exclusively Turo). If you are looking to invest passively, this can be a great option as you can usually get no-money-down car loans. If you are doing this passively, you can buy the car in any state and use a service like Dirt Legal, linked below, to get it plated.

I have found one service that helps you through this process, Arslan Fleet. I found them to be overpriced for the minimal service they offer, and I would rather buy a car from the car sales arm of a major rental company (Enterprise Car Sales, Hertz Car Sales, etc.) than buy an older car at auction as they recommend. I find the price to be very similar, and the cars are newer and still under warranty, and are in sound condition when purchased.

To summarize, I don't have a great recommendation for service providers in this field, but the field does show a lot of promise. I would also mention that RV rentals have many of the same benefits, but I have even fewer resources in that field.

Dirt Legal

Link dirt.legal

Gold and Silver

Monetary Metals

Link: monetary-metals.com

Gold and silver are not investments so much as they are stores of value. For which you have to pay storage and insurance. Therefore, they actually have a negative expected value. This company flips that around and makes precious metal a yield-bearing asset. They offer gold and silver leases or bonds that pay a yield on gold or silver in gold or silver. So if you invest 100 oz in a 4% offering, you will have 104 oz in a year, and you don't pay for storage or insurance.

Expat Resources

Intro

If you don't understand the benefits of international diversification and second passports, I can't explain it in this short format, but you should check out the two podcasts below.

Expat Money

Link expatmoney.com

Nomad Capitalist

Link nomadcapitalist.com

Other businesses

Land Flipping

Links: https://www.thelandgeek.com/, https://landacademy.com/

The two courses listed above, a Gemini search for land flipping courses will turn up several more. Both of these courses have a podcast so you can get your feet wet for free. The first one also has a book, which I recommend.

There are a lot of ways to make money with raw land, but the most basic is this. 1. Search tax delinquent records for properties that people don't want, which is why they are not paying taxes. 2. Make an offer for 25% of the market value, minus back taxes. 3. Send a mailer to neighboring property owners offering to sell at market rate on terms. 4. Collect 25% down to recover your initial investment, and seller finance the balance at 8% interest. Aiming for about a $300-$400 monthly payment. 5. Repeat to build up a portfolio of monthly passive income.

Intro

If you are getting into investing, you may be considering starting or buying your own business. It would take multiple books to do this topic justice, but I can throw out a few ideas to get you thinking.

First thing is, if you are considering a franchise, you should work with a franchise consultant. The company FranChoice is an example. Working with them won't cost you anything, and they can match you with franchises you didn't know existed. As an introduction, I recommend listening to the entire history of the podcast Create Wealth Through Franchising by Kim Daly.

Second, consider buying a local business. There are probably unstaffed laundry mats, car washes, etc., in your local area that can be purchased cheaply on terms. They can often be improved dramatically with simple upgrades such as credit card readers.

Third, I have included a list of simple businesses anyone can start and rarely fail. This is the list I would personally consider if starting a new venture. I link to courses for most of them, but that does not mean you need the course, or that no other courses teach the same thing. It is just a starting point for your research. Every business here can be started part-time, but they all have the potential to scale to 7 figures or beyond. Like anything, your effort determines your outcome.

Junk land into Gold

Link: https://www.junklandintogold.com/

This is a cheap coaching program with a lot of value. In every city in America, there are lots that would be very valuable if they were buildable, but for one reason or another, they can't get a building permit. If you know how to fix those problems, you can sell them for 10 or even 100 times what they were worth without a building permit

Billboards

Link: https://wantmore.org/, https://www.obuniversity.com/

Billboards are a form of rental real estate. You have the board itself, and you rent out the advertising space. You need not own any land; you can potentially lease the land for the billboard. The key is knowing the law, as highway regulations limit where and how many billboards there can be.

Pallets

Link: https://thesimplestbiz.info

In every city, there are businesses that get things shipped to them in bulk shipping containers. Mostly shipping pallets. Other businesses need these containers to ship out their products. By being a middleman, you can get paid to move the pallets from one business to another in your local area with no inventory or cost of goods sold.

Overage Business

Link: https://www.allthingsoverages.com/, https://tedthomas.com/how-to-claim-tax-sale-overages/, bobdiamond.com

There are a few types of overages, but the basic idea is that the sheriff sells property at auction because a lien holder foreclosed on it. If the amount it brings is more than is owed on the property, that is an overage. Legally, the former owner of the property can claim that money, but if they don't claim it, the county will remit it to the state after three years. Most people don't know they have the right to claim the overage, and even 6-figure overages consistently go unclaimed. You can find these overages through public records and help the owner claim them for a fee. Typically, you can charge a decent percentage of the overage, and your only costs are mailing some forms.

Note Flipping

Link: https://bluehorizonnotes.com/, https://paperstac.com/

Real estate notes can be an investment in their own right as a passive income source. However, on the secondary note market it is possible to be an active investor in notes. Secondary notes trade at a discount. So it can be possible to buy notes at a deep discount and sell them again at a lesser discount.

Rank and Rent

Link: https://websiterentalcoaching.com/

There are several programs that offer coaching for this. The business is to rank first on Google for a local service business in a particular city. This can be done fairly easily in a mid-sized city. You then rent the flow of leads from this site to a business in that city. You then keep adding websites to build up the monthly rent roll

Vending

Link: https://www.vendingpreneurs.com/

Vending is a broad term. It can mean traditional snacks and drink vending, mini markets with fresh food, amusement vending like claw machines or trading card sales, or exotic things like ice machines, made-to-order mini pizza, key cutters, or machines that buy used cell phones.

Any of these may be a good business, but most resources are geared to more traditional types. The machines can be 100% financed, and in a good location, can clear several hundred dollars a month.

Mini Claw

Link: https://clawacademy.com/, https://howardhospitalitygroup.com/

I recommend the podcast from Howard Hospitality Group. This is an underserved market with an approachable start-up cost. It is also a great business for kids to be involved in, though I have heard of it being used in strip clubs, so don't limit your locations based on family friendliness. Mini claw machines can fit into many locations that traditional claw machines can't. As mini claw machines are a newer innovation, there is a vast untapped market for locations.

Coil Cleaning

I have no resources for this one, but you can find some Reddit content on this model. Coils refer to the refrigeration coils on commercial cold storage. The type of equipment all grocery stores, restaurants, gas station convenience store, etc. have. These units need to be cleaned at least twice a year, if not quarterly. If they aren't, power consumption increases, and the unit's life span is shortened. This irregular chore is a major inconvenience for most businesses. This is not much different from starting a pressure washing business, low start-up cost. However, unlike a consumer pressure washing company, the business has year-round recurring revenue. Unlike consumers, they rarely cancel and are a lot easier to work with.

KDP

KDP stands for Kindle Direct Publishing. This is Amazon's print-on-demand book publishing division. Now, technically, any product for this business can be sold on other platforms, but 70% of book sales are through Amazon, so you really do need Amazon to be successful. After you have built up a catalog of books, it is passive income. You can make the books on your own schedule, and it is a business that children can get involved in. There are basically three approaches to this.

1. Simple non-fiction. This is about packing useful public information into a book. Recipe books, field guides, or how-to books are good examples. You can research "20 useful knots and how to tie them" (real-world example), and have AI write up your findings in a useful guide.

2. Public domain books. If you search Amazon for classic titles, you will probably find a few sellers, many of which will be poorly formatted. After a book, image, song, or any other piece of intellectual property enters the public domain, anyone can use it for commercial purposes without paying royalties. So it is a fairly straightforward process to format existing manuscripts and publish them. Just be sure to follow the law and Amazon's policies.

3. Medium/low content books. An example of a no-content book would be a lined journal. The low barrier to entry makes this market too crowded to compete in. A higher content book would be a guided journal, a joke/riddle/trivia/quotes book, activities like word searches or mazes or number puzzles, or coloring books, either adult or children's. These take a little more effort, particularly to produce high-quality ones that will stand out, but require little actual writing. A YouTube search for how to make any of these types of books will produce pages of tutorials.

POD

POD is for Print On Demand. In this case, I am referring to merch and custom-printed household items. Quotes, sayings, trivia, memes, images, and designs can all be printed on hundreds of items. Some companies only let you sell on their own sites, while others will automatically link with your own Etsy or eBay stores. Simple things like black text on a white background or public domain images often do well, so don't worry too much if you don't have an eye for design.