Posted by Literary Titan
Private Money Lending is a comprehensive book that details the different ways someone could make money from their investment in private money lending. What were some key ideas you wanted to pursue in this book?
Every investor should know that learning to generate a consistent, substantial, and predictable passive income stream sufficient to cover your total monthly expenses is the ultimate goal for anyone who wants to retire early. In fact, creating a safe and consistent passive income stream is considered the ” Holy Grail” of personal finance.
My objective in writing this book was to present to potential readers the existence of a little-known but crucial area of investing. This area of investing is private mortgage investing. What makes this investment vehicle safe is the fact that the investment is guaranteed by a tangible asset, brick, and mortar, such as a house or a commercial building.
Under a worth case scenario, a real estate tangible asset will always retain a certain amount of value, which it’s something that can’t be said for stock market correlated investments that can simply evaporate overnight based on bad news. Therefore, the important aspect of investing in private mortgages is that it is a non-correlated market investment that works under all market condition.
Private Money Lending is the only book on this topic that is based on a university-level qualitative research study. The study demonstrated the power that private mortgage investing has in generating a safe, substantial, and consistent passive cash flow under any market condition. This investment can generate a 9%-12% return on investment (ROI) safely in addition to providing all the legal protections a first mortgage provides banks.
Typically, investors learn about this investment vehicle by happenstance; that is, by knowing someone who is a private lender and understands all the nuances of this type of investment and who is willing to teach someone else the concept. Private mortgage investing is an especially useful investment vehicle in low-interest rate environments, such as the current market we have been experiencing for the past 12 years, where you can only receive 2%-2.5% for a 1-2 years CD and 3% for a 5-10 years CD. These low-interest rate environments are always devastating for the retired or soon to be retired individuals living on a fixed income. There needs to be a safe alternative, and private mortgage investing meets this requisite.
I believe that with the use of the book Private Money Lending: Learn How to Consistently Generate a Passive Income Stream as a guide any potential investor will no longer have to learn about this investment vehicle by happenstance.
What is your experience in this field and how has that helped you write this book?
I learned about private mortgage investing by happenstance like most people back in 1992. Thus, since 1992 (27 years) I’ve been safely investing in private mortgages, specifically in commercial and residential non-owner-occupied properties. As a result of learning about this investment vehicle, I no longer invest in the stock market because I can safely and consistently generate double-digit returns with a higher degree of safety.
There are many different investment opportunities out there, why did you want to write about private money lending?
I wanted to write about private money lending with an emphasis on private mortgages because I believe this is an investment vehicle that can generate the necessary cash flow to sustain a comfortable retirement with much less volatility and risk than with stock market correlated investments.
Yes, there are many different investment opportunities in the market, however, the majority carry too much risk. At least for my taste. The approach I use in this book was to first describe the advantages and disadvantages of the majority of available market investments before making the case of why I consider private mortgage lending a superior investment vehicle.
If you are an investor searching for a safer way to invest you should ask yourself three questions:
- Would you like to generate a passive and meaningful income stream in all market conditions?
- Would you like to generate this income stream consistently?
- Would you like an alternative with less risk than investments subjected to the volatility of the stock market?
If your answer to at least one of the three questions is “yes,” then reading this book will not be a waste of time or financial resources for you. In fact, learning about this investment strategy will change your financial life for the better.
What are some common mistakes investors make when they first start?
For investors entering this industry, the most common mistake is not possessing the necessary education to be safe.
It is important to learn how to perform the necessary due diligence regarding the loans that you will be considering.
It is also important to physically inspect the quality and location of the properties under-consideration to ensure a safe loan. Investors should never make any loan simply because of the high returns they can garner.
- This book is an important and timely research study that explores a little-known area of investing, which is that of private mortgage lending. The reason for undertaking the study was twofold; reason one is because, for the past 15 years, retirement portfolios had been devastated by stock market fluctuations, resulting from a greater prevalence of boom and bust economic cycles. It is quite possible that currently, another bust cycle might be unfolding, in spite of the Trump apparent bull market.
- The second reason is that of the adopted Federal Reserve policy of creating an artificially low-interest rate environment in an attempt to sustain the continued growth of the stock market and support of the current real estate recovery efforts.
- These two economic conditions primarily affect income investors because of the low yields being offered by the customary available fixed-income investments, such as bonds, CD’s, savings, and money market accounts (MMA). The combination of a reduced interest rate environment and increase stock market volatility has dramatically impacted the livelihood of the fixed income investor. Moreover, it has forced these investors to take greater levels of investment risk by incentivizing them to seek higher yields by investing in the stock market; in essence, the place that has created most of their financial problems.
Posted in Interviews
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Posted by Literary Titan
Hair Loss: Options for Restoration & Reversal educates readers on the variety and effectiveness of hair-loss treatments. Why was this an important book for you to write?
Hair loss is a pervasive problem affecting both men and women, and it can have profound psychological effects on the afflicted, especially women. Hair loss is currently experienced by more than 80 million people worldwide, which encompass 50 million men and 30 million women. It is a problem in need of a solution.
I became interested in the causes of hair-loss related issues twenty-five years ago, when I began to experience some hair thinning. In search for a possible solution to ameliorate or reverse my thinning hair, I began an empirical journey of discovery that continues to this date. I’ve experimented with a multitude of balding prevention recommendations; some were effective, and others were a complete waste of time and financial resources.
My objective for writing this book is to educate the consuming public about the effectiveness of the many available hair-loss treatments and restoration modalities available in a very deceiving industry. It was important to write this book because I believe that anyone experiencing hair loss will save a considerable amount of time and money by reading this comprehensive and detailed guide about hair loss. This book will educate the consumer on what works and what doesn’t, and this along makes this writing project important. It provides the reader with a historical perspective regarding hair-loss, as well as its causes, treatments, and promising future trends. In fact, we are living in a very exciting and promising time for hair-loss research.
What is a common misconception you find people have about hair-loss and restoration?
A common misconception about hair loss is that it is caused by a genetic predisposition inherited from the mother’s side. Other myths are that sexually active men become bald sooner, which implies that a hormonal component is the catalyst, or that only older men go bald or that wearing hats and wigs makes you lose your hair.
The fact of the matter is that currently, there is no conclusive evidence that explains all the causative factors that lead to male and female pattern hair loss or androgenetic alopecia. The cause is a multivariate problem that can encompass a hormonal component, a disease process, stress exposure, medications, hygiene, and even nutritional deficiencies. Therefore, education is the key to mitigate the risk of been duped by a deceiving industry. Moreover, education will place you in the right path to a worthwhile solution.
What type of research did you undertake to write this book?
I performed a comprehensive literature review of the field of hair loss research. I basically analyzed the majority of worthwhile research studies to bring forth only the information I believed to be crucial to understanding this topic. Additionally, I also interjected my own personal experiences with this topic since I’ve been afflicted by this condition also. However, through my personal education and initiatives, I have been successful in mitigating and ameliorating my hair loss significantly.
What is the next book that you are working on and when will it be available?
I have begun to research the literature on the topic of Diabetics with emphasis on type 2 diabetes.
I believe type 2 diabetes is a lifestyle disease process that is preventable and reversible.
However, it is a very unforgiving disease if the discipline to adhere to a regimented eating plan is not meticulously maintained until a physiological reset (re-balanced) is achieved between the liver and the pancreas.
My goal is to have this book ready by December of 2019 or possibly early 2020.
The condition of hair loss is a topic of significant public interest, and understanding the pathophysiology and treatment of the different types of alopecia (hair loss) will surely have an impact on the men and women afflicted by this condition. Hair loss is a pervasive problem affecting both men and women, and it can have profound psychological effects on the afflicted. It is a problem in need of a solution. The author’s interest in the causes of hair-loss related issues surfaced twenty-five years ago when he began to experience some hair thinning. In a search for a possible solution to ameliorate his thinning hair, the author began an empirical journey of discovery. He experimented with a myriad of balding prevention recommendations, which led to the creation of Hair Loss: Options for Restoration and Reversal.
The objective of this award-winning book is to educate the consuming public about the effectiveness of the many available hair-loss treatment and restoration modalities. It is an important, comprehensive, and valuable tool for both men and women who are afflicted with hair-loss problems. It provides the reader with a historical perspective regarding hair-loss, as well as its causes, treatments, and promising future trends.
Posted in Interviews
Tags: alibris, alopecia, author, author life, authors, barnes and noble, beauty, book, book club, book geek, book lover, bookaholic, bookbaby, bookblogger, bookbub, bookhaul, bookhub, bookish, bookreads, books of instagram, booksbooksbooks, bookshelf, bookstagram, bookstagramer, bookwitty, bookworks, bookworm, ebook, education, goodreads, grooming, gustavo gomez, hair loss, health, ilovebooks, indiebooks, kindle, kobo, literature, medical, mens health, nook, novel, pathophysiology, publishing, read, reader, reading, self help, shelfari, smashwords, story, writer, writer community, writing