He’s gone and done it now. Joe Biden is officially targeting your IRA and 401(k). If you value your retirement savings, you need to listen right now. I’m Bryan Ellis. This is Episode #327 of Self-Directed Investor Talk.

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Hello, Self-Directed Investor Nation, all across the fruited plane! Welcome to the SHOW OF RECORD for savvy self-directed investors just like you.

Joe Biden, Democrat candidate for President of the United States, has tried to slip in a doozy of a tax policy change that, frankly, will hit me and you right in the pocketbook… and he’s trying to make sure that nobody knows about it by not bringing any attention to it.

But this has not escaped the watchful eye of the team here at Self-Directed Investor Talk.

On today’s page, which being that this is episode #327, that page is, of course, SDITalk.com/327… On that page, I’ll link to the sources from which this data comes so you can judge it for yourself.

But here’s the bottom line: If you elect Joe Biden as president, your IRA and 401(k) tax benefits are going to be slashed. Period.

The specifics of the policy are not yet well described by the Biden campaign, because I suspect they’re trying to avoid the absolute CRAPSTORM that will result whenever the public gets wind of this. But it’s such a clear and obvious negative that, well… I’ll just read a quote to you from RollCall.com that has some good coverage of this issue. The quote is:

So, my friends, it looks something like this:

Under the current system - which has worked beautifully for decades - when you contribute money to a traditional IRA or 401(k), you get to deduct that contribution against your taxable income.

And old creepy Joe… it will work the same way under his system. But with one “little” caveat.

Joe will still let you take a deduction for your contribution. But he’s going to limit the amount of that deduction to some as yet underdetermined top rate… probably 26% according to current expectations.

So that means that, for those of you higher income earners - of which there are many in the SDI Talk audience - and whose marginal tax rate is not a mere 26% but is 32% or 37% or even higher…

Well… you’re just out of luck. Sure, you can still make the contributions… only your tax benefits will be puny under Joe Biden versus how every other President - Democrat and Republican - has handled things in the past.

But that’s not the worst of it, my friends. What happens whenever Washington begins to limit a tax benefit? The answer is always the same: They limit it EVEN MORE in the future.

So mark my word: If you elect Joe Biden and let him begin to slash your tax benefits on your IRA or 401(k) now… it’s just a matter of time… a matter of VERY LITTLE TIME… before somebody decides that even Joe didn’t slash your tax benefits enough…

...and soon enough, the tax advantage to your IRA and 401(k) is gone.

But you have a choice. You can make sure that doesn’t happen. If you’re made the connection that voting for anybody but Joe Biden could be a wise decision, you’ve reached a wise deduction indeed.

Oh… and a quick note… the latest edition of Self-Directed Investor Magazine is now out, and it’s a SPECTACULAR edition, if I do say so myself. If you’d like a complimentary copy, just send a text message to my office to request it and we’ll take care of you. The phone number is 678-888-4000…. Again 678-888-4000.

My friends… Invest wisely today and live well forever!

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It seems pretty clear that ONE of the two Presidential candidates absolutely opposes everything you and I stand for as self-directed investors. I'm Bryan Ellis. Right now in Episode #326 of Self-Directed Investor Talk, I give you the proof...

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Hello, Self-Directed Investors, all across the fruited plane. Welcome to the show of record for savvy self-directed investors like you, where in each episode, I help you to find, understand and profit from exceptional alternative investment opportunities.

It is the season for Presidential Politics... and you know, of course, that means I'll poke my head out of the shadows and begin to share with you the harsh realities of politics as it relates to my plight and yours as self-directed investors.

You and I, we think alike. We're looking for opportunity. We're looking for a way to apply that most valuable asset of them all… our minds… to fortify our financial positions for the benefit of ourselves, our families, future generations and to help the causes that matter most to us.

Yesterday, Motley Fool published a list of 12 tax law changes that one of the Presidential candidates is pushing in his bid to serve in the highest office in the land for the next four years. I’ll link to it on today’s page, at SDITalk.com/326 so you can check it out yourself.

Now I won’t even sully the conversation by saying WHICH candidate – obviously there’s only Trump and Biden – but I won’t shift this to being about those men. Let’s just look at the policies and how they’ll impact you and me as builders of wealth.

Policy Shift #1: An increase in the corporate tax rate from 21% to 28%. That’s an obvious negative… rising corporate tax rates are ALWAYS – I repeat ALWAYS – passed on to consumers. I could say more, but I suspect it’s unnecessary, so let’s look at...

Policy Shift #2: A minimum tax on corporate income. Basically the idea here is this: If a company complies with the tax law in such a way that even the U.S. Treasury is unable to fault their tax planning, and as a result that company does not have to pay income taxes, this policy would mean that that company must pay taxes ANYWAY. Basically, this is a tax on good planning.

They’re targeting this one at Amazon and some others that have been astoundingly good at using the tax law to their benefit. But hey, remember: This means that all of those Amazon packages WILL be more expensive in the future… no doubt about it. More expenses for the providers means more cost to the consumers.

But surely… SURELY… the remainder of these new policies won’t so directly target – and thus discourage – productive members of society… right?

Wrong-o. Whether it’s policy #5 that increases marginal income tax rates for higher earners, or policy #6 that raising the payroll tax on high earners or raising capital gains taxes on… you guessed it… high earners…

Well, it almost sounds like the particular Presidential candidate who is pushing for all of these changes really doesn’t like high earners or successful companies very much, does he?

And don’t forget… if building a FINANCIAL LEGACY is important to you, then the STEPPED UP basis changes – that’s policy #8 – will matter to you. This is a way of making sure that a horrible tax burden is transferred to your beneficiaries when they receive your assets in the future. Right now, that does not happen… but it would under this proposed tax policy.

All that isn’t even to mention the slashing of tax deductions for both personal incomes – that’s policy # 9 – or phasing out small business deductions if you happen to be a successful small business owner, which is policy #10.

If you hear a common theme here, it’s because there is one. The candidate who wants these policies to be law – none other than the basement baron himself, Joe Biden – wants, quite fervently, to punish your success.

In other words, if it’s your objective to minimize your taxes, creepy Joe wants to MAXIMIZE them.

If it’s your objective to build a small business, creepy Joe wants to make sure your tax bill stands in the WAY of your doing so.

If you want to build a basis of financial assets for the benefit of future generations, creepy Joe wants to make sure that when those future generations receive your assets, that they’re forced to sell off those assets to pay their tax bill.

My friends, a vote for Joe Biden is a vote against yourself. It’s that simple. Don’t vote against yourself.

My friends… invest wisely today and live well forever.

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CoronaVirus has created more abject terror than anything I’ve ever seen. If we’re to believe Warren Buffett, then wise investors are to be “greedy when others are fearful”. So how, exactly, can you be wisely greedy right now? I’m Bryan Ellis. I’ll tell you RIGHT NOW in Episode #325 of Self-Directed Investor Talk.

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The world changed radically a few weeks ago. Free countries went on total lockdown. The hottest commodites in the world became hand sanitizer, toilet paper and medical masks. And the stock market went on a volatility spree never seen before or since.

And yet, the whole time, savvy investors kept hearing the famous words of Warren Buffet echoing in their minds: "Be fearful when everyone else is greedy, and greedy when everyone else is fearful."

The question, my friends, is how to be very wisely greedy during a time when the prevailing emotion all around us is, without any doubt, not mere fear... but abject terror.

The one clear answer - well supported by history and the leadership of current experts - is to invest in well-vetted, well-operated RV Parks.

Now, in case you're not a user or owner of RV's yourself, I understand. I'm not either. Just in case you don’t know, RV stands for “Recreational Vehicle”… the big rolling hotel rooms like Winebagos.

But whether that’s “your thing” doesn't matter. Kind of like you don’t need to live in an apartment in order to justify investing in a great apartment complex.

So I’m going to make a very quick, but rather overwhelming, case to you right now that RIGHT NOW, in the height of this epidemic of terror and infection, that RIGHT NOW is the right time to jump into RV parks.

And as always, I don't expect you to take my word for it. In fact, I insist that you don't take my word for it... that's because history makes this case for me in such a compelling, unquestionable way.

Before CoronaVirus, the pinnacle example of economic downturn during most of our lifetimes was the Great Recession of 2007 & 2008... if any economic event was going to doom an industry where "recreation" is the literally first word in the name, the Great Recession would have been that phenomemon. But what actually happened?

Well... not much. As the economy of the United States slowed and weakened with each passing week, the data shows us that average length of stays at RV parks got LONGER. Not shorter… LONGER.

And I take this from a deeply authoritative source. It’s a report called “Effects of COVID-19 on the Campground Industry”. It’s written by American Property Analysts – the absolute leading valuation experts in America for the RV Park and campground industry. This report was written last week, at the request of and for the benefit of the banking industry. As the economic carnage began to mount from the CoronaVirus scare, banks who finance RV parks wanted to know where their exposure stood in connection with COVID-19, and of course, they hired the most knowledgeable experts in that field at American Property Analysts, Inc.

And according to that report, when looking at the Great Recession, it’s all summed up in this quote: "What campers did not do was discontinue using their RV's." 

That report goes on to say that "In most locales, demand exceeded available supply" and that "attendance held fairly steady".

Now remember... the setting here is the aftermath of the Great Recession, when our country suffered the worst economic contraction since the Great Depression. It was a time when, according to the respected California-based newspaper called the Orange County Register, nearly 9 MILLION jobs were lost... 4 million homes were foreclosed EACH YEAR... and 2.5 million businesses were shuttered.

It was the worst of times for the American economy.

But what happened in the RV park industry? Well, I remind you: "attendance held fairly steady" and "in most locales, demand exceeded available supply."

But it's better than that still: To further quote the American Property Analysts report, "Waiting lists for seasonal sites popped up nearly everywhere, and many of those lists remain in place today at the more desirable properties. Some folks even paid non-refundable fees just to be on certain lists, and some of those campers are just now nearing the front of their lines."

If you understood me to say that the backlog of demand created during the LAST recession still exists to this day, you understand me correctly. I can't imagine how much demand and backlog the economic fallout of the CoronaVirus pandemic will create for the RV park industry... but history suggests it will be HUGE.

Am I suggesting to you that every RV park in America did a booming business during the Great Recession? No. Not at all. There will always be the superstars and the laggards, and doubtlessly that's true here as well.

But what I am telling you... scratch that... what the historical data cited by the American Property Analysts report is telling you is that, overall, RV parks as an industry hardly - if at all - noticed that a recession happened at all.

And my friends, history is repeating itself right now. And if you think about it, it makes complete sense for at least 3 strong reasons:

Reason #1: One of the immediate results of the national shutdown from CoronaVirus was the closing of National Parks. Now that's an awful thing because I, for one, realy love and frequently visit the parks in my area. But as owners of RV Parks, we aren't sad to see it. Why? National parks are one of our biggest sources of competition. Right now, that competition is completely GONE... Kaput... poof. It'll return someday, but for now, it's GONE.

Reason #2: The totally justified concern over the risk of infections connected with hotels, cruise ships and other recreational destinations likely will drive growth in the RV industry, as one's RV is a completely private space, not subject to the risk of exposure from third parties.

and Reason #3:  I'm happy to report to you that our EXPERIENCE is matching the THEORY I've shared with you, because presently, we've seen exactly ZERO cancellations at any of the RV parks that we already own... and there has DEFINITELY been an uptick in interest since CoronaVirus was declared a pandemic and the nation was put on lockdown.

My friends, I return again to Buffett's famous advice: Be fearful when others are greedy, and greedy when others are fearful. Now here’s what you might not know about RV parks: Even average ones can be incredibly profitable. Imagine if you had all of the benefits of owning a great apartment complex, but your cash flow was more like a mobile home park. Well, it’s like that, only better. Well-vetted, well-operated RV parks don't merely compare favorably to other real estate asset classes, RV Parks dramatically outshine them and the data makes that overwhelmingly clear.

So where does that leave you? If you're savvy enough to take seriously the advice of Warren Buffet, the man widely considered to be the greatest investor of our lifetimes, then the only reasonable conclusion you can draw is this: These are times of great fear... and that's your signal to be wisely greedy. And there's no better asset class - as proven by history - for that wise greed he recommends than RV Parks.

The time is now.

Thank you for listening in today. Every now and again, we encounter exceptional RV park investment opportunities. Best for well-qualified investors, these opportunities always fill rather quickly as only a small number of openings for outside investor partners are made available. If you'd like to be considered for participation in the next such project, please send an email now to [email protected], that’s [email protected]., `to set an appointment to speak with me or a member of the team. Happy investing!

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There’s an asset class that affluent investors REALLY love… extraordinary cash flow is the norm and the tax benefits are the best around. But there’s a HUGE LANDMINE just waiting for affluent investors who try this in their self-directed retirement account. I’m Bryan Ellis. Today, you affluent investors learn how to sidestep certain disaster in Episode #324 of Self-Directed Investor Talk.

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Hello, Self-Directed Investors, all across the fruited plane. Welcome to the show of record for savvy self-directed investors like you, where in each episode, I help you to find, understand and profit from exceptional alternative investment opportunities.

For you folks with a bit higher net worth, you need to pay close attention today.

So for those of you who may not yet quite be in the high net worth world, something you should know about your wealthier brethren is that one of the most popular asset classes among them is one I’ve mentioned here before, but only very briefly… and that is oil well drilling.

It makes perfect sense because the cash flow beats the heck out of basically everything else, and the tax benefits makes real estate and other supposedly tax efficient investments look like child’s play. Yes, the risk is theoretically higher, and that’s why this is the domain primarily of accredited investors.

But to set up this dilemma, and the brilliant solution for it, let’s consider a scenario, with real numbers.  So here’s the deal.

This investor… we’ll call her Tara… has decided to invest in an oil drilling deal. It looks like a pretty good one, I’m actually quite familiar with it… she’s got to invest $150,000 to buy into the deal, and based on the preliminary geological research, the expectation is that she’s going to bring in something on the order of $12 to $13,000 per month or so, based on current oil prices.

Now if you’re doing the math, you know that $12,000 per month equals $144,000 per year, which is shockingly close to being a 100% cash-on-cash return. Well, that’s one of the reason high net worth investors love this stuff… the cash-on-cash numbers are just breathtaking, enough so that the additional risk is quite regularly totally worth taking.

So that’s great, right? Tara makes this investment, and assuming it works like expected, then she yields a MASSIVE cash-on-cash return for 5-7 years until the oil well runs out… and then she’ll likely do it again, if she’s like most high net worth investors I’ve worked with.

And to make it better, she’s doing this in her Roth IRA… so all of that juicy ROI is totally tax free! Right? Right? Isn’t it tax-free?

Well… no.

Here, my friends, we consider an important distinction between the two types of income: Earned and Unearned. Earned income is just what it sounds like… money you earn from a W2 job or a 1099 contracting position or something like that. You work, you get paid. That’s earned income.

Unearned income, on the other hand, is profit from investments… it’s a more passive type of thing So if you buy stocks and they rise in value or pay dividends, that’s unearned income. If you buy real estate and it appreciates and/or generates cash flow for you, that’s unearned income.  If you make a loan and are repaid for that loan, that’s unearned income.

So here’s the thing: it’s widely believed that IRA’s and 401(k)’s – particularly the Roth variety – are just not taxable. Unfortunately, that’s not true. It’s almost ENTIRELY true that any UNEARNED income – the kind from stocks and real estate and loans, for example – pretty much all of that will be tax-favored inside of a retirement account and that’s great!

But this is where we return to Tara’s oil & gas deal. Yes, she’s going to make a lot of income from that deal. But there’s a catch. Federal tax law makes it abundantly clear that under most circumstances, the income generated from drilling an oil well and selling that oil is NOT UNEARNED income, but is EARNED income.

That means two things: First, that the money is taxable. And second, that the tax rate that’s relevant in that case is NOT personal income tax rates, but is the income tax rates for TRUSTS, since both IRA’s and 401k’s are, under the law, types of trusts.

And that, my friends, is BAD news. You see, income tax rates for trusts are, for all intents and purposes, 37%. That’s astronomical. If Tara brings in $12,000 per month on average as expected, that equates to $144,000 per year. 37% of that is over $53,000… so her IRA would have to stroke a check for over $53,000 to pay income taxes. That would leave her with a net of nearly $91,000 per year which is still just off-the-chain exceptional… but still… that’s a BIG tax bite.

What to do, what to do? Most of the time, investors do oil & gas deals OUTSIDE of a retirement account because the VERY BEST tax benefits in oil & gas don’t really apply to IRA’s and 401k’s. But in Tara’s case, that’s where she happens to have the available capital, and quite justifiably, she doesn’t want to miss this opportunity.

So here’s what I recommended to her: Since we can’t eliminate those taxes, why don’t we just slash them dramatically? You may remember that one of the thing that President Trump’s signature tax bill did was to slash corporate tax rates to 21% as the maximum. So I suggested that Tara form a c-corporation inside her IRA, and capitalize it with $150,000 from the IRA. She could then buy the oil & gas interest with that money, inside the corporation. That money – we’ll just say $144,000 per year – will still be taxed, but not at 37%. It’ll only be taxed at 21%. Bottom line… she’ll pay about $23,000 PER YEAR less in tax this way!

Over the course of 5 years, that’s a very real saving of over $100,000… just by using the subtle brilliance you learned right here on Self-Directed Investor Talk!

Now before I sign off for the day, I’ll go ahead and answer the question I know is coming: Maybe. The answer is maybe. The question, of course, is something like: “Bryan, I just heard you talk about the crazy results people are getting from oil and gas deals… can you hook me up with some of those opportunities?” Well, the answer is MAYBE.

There are some qualification requirements. So the best path to take is this: If you’re interested in learning more, just text me now at 678-888-4000 and I’ll be happy to have a team member talk this through with you. Again, just send a text to me at 678-888-4000 and we’ll chat about it right away.

My friends… invest wisely today and live well forever!

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Coronavirus, real estate investors and the stock market… or, how real estate investors are making absolute jackasses of themselves during a very bad time. I’m Bryan Ellis. This is Episode #323 of Self-Directed Investor Talk.

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Hello, self-directed investors, all across the fruited plane. Welcome to the show of record for savvy self-directed investors like you where in each episode, I help you to find, understand and profit from exceptional alternative investment opportunities.

Today, my friends, I share with you my expectations about the REALITY of the coronavirus and how I see it affecting our economy and more importantly my and your investments. But first, a quick word about a clear way to identify some people who, at their very core, are clearly complete jackasses.

Now, note that this isn’t a test for ALL jackasses, just some of them. But here we go:

You probably know that, due to Coronoavirus fears, the stock market has taken a MASSIVE dive in the last two weeks. The Dow Jones Industrial Average has fallen by over 15%... it’s been just absolutely brutal. I’ll tell you when that ends in just a minute, but that’s a different story.

So back to identifying jackasses:  If you see a real estate investor post something on Faceobok or elsewhere that basically says: “Hey, all you stock market investors, you’re really taking it on the chin now, aren’t you? I’ll bet you wish you had gotten into real estate instead of stocks now!”

When you see something like that, what you’re seeing is a jackass. Someone who is childish, pathetic and heartless. Such a person, regardless of whether they’re successful in real estate, deserves to be ostracized and ridiculed for their short-sighted and juvenile attitude.

So to all the jackass people out there, remember: You’ll get yours. I don’t wish it on anybody, but nobody bats 1.000. Where financial market losses are concerned, your attitude should always be: There but for the grace of God go I.”

Now, as for the Coronavirus, the stock market and the economy?

Totally overblown. I see stocks beginning to recover today, frankly. Is it a serious thing? Yes… but almost entirely for psychological reasons… because the media has scared people so badly that there’s a lot of irrationality out there.

Remember this: We all keep hearing that 2% of the people who get this disease die from it, compared to the flu, which kills only 0.1% of the people who get it.

That would be disturbing, for sure. BUT there are 3 facts you should know.

Fact #1: The actual mortality rate in China, according to a report from China published in the New England Journal of medicine 3 days ago, is much lower, at only 1.4%. That’s a significant difference.

Fact #2: The mortality rate is almost certainly much lower than that because most of the cases of it are so mild that they are never caught or reported. That’s not my opinion… but the opinion of Dr. Anthony Fauci, director of the U.S. National Institute of Allergy and Infectious Diseases… the one guy who everybody agrees is THE authority on these matters here in the U.S.

And finally, Fact #3: Whatever the mortality rate, that’s the mortality rate in CHINA… not in America. CHINA! That’s a country that literally is happy to execute their citizens as a matter of convenience… an evil regime that exists to protect the Xi Xinping and the Communist Party as it’s highest priority… a place where the health of the citizenry is the last thing they care about.

So how you SHOULD think about this is as follow: Even in China, the death rate of coronavirus is, at worst, 1.4%. We don’t really know how many people are killed by the flu in China. I’ll bet it’s quite comparable.

Does that mean Coronavirus isn’t serious? Nope. Be careful, of course. But what it does mean is that while it is highly contagious, it’s more likely to be a pain in the rear rather than an issue of fatality.

As for the effect of Coronavirus on stocks?

I think we saw the bottom on Friday. I wouldn’t bet the farm on it… but I’d be willing to bet a barn door or two.

By the way… if you’re looking for an astoundingly powerful tax break that happens to be coupled with an investment offering a potentially exceptionally high yield… well, drop a note to me at [email protected] and I’ll fill you in. This is crazy good stuff, folks.

Well my friends, that’s all for now… invest wisely today, and live well forever!

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If for every dollar you put into improving one of your real estate assets, you could get that dollar back within 12 months… and then enjoy decades of free and clear cash flow… wouldn’t you do that?  Right now, I’ll show you not 1, but 2 ways to do that in my current favorite asset class. I’m Bryan Ellis. This is episode #322 of Self-Directed Investor Talk.

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Hello, Self-Directed Investors, all across the fruited plane.  Welcome to Episode #322 of Self-Directed Investor Talk, the SHOW OF RECORD for savvy self-directed investors like you.  Guess what’s going to happen today? Today, I’m going to help you find, understand and PROFIT from exceptional alternative investment opportunities!

In yesterday’s exciting episode, I introduced you to the asset class that I think is stealing the crown from multi-family housing as the GO-TO real estate asset class.  If you missed that episode… you missed a great one! Drop me a text message to 833-212-2112 and ask for the RV Parks episode I’ll send you a copy so you can get caught up…

...and you’ll certainly want to do that because today, I’m going to tell you two ways that, using that asset class - which is, of course, the high-cash-flowing world of RV parks - I’ll tell you not one but TWO ways that my partners and I - and maybe you, too, possibly - are planning to spend a bit of money on some of our RV park properties and generate a MASSIVE and rather immediate return of our capital… to be followed immediately by many years - possibly even DECADES - of free and clear cash flow.

But understand this:  I’m not just bragging on our deals - though I’ve got to admit, maybe there’s a LITTLE BIT of that hehehe - but more importantly, I’m trying to show you what’s POSSIBLE… because deals like this are in much greater supply than financially similar deals in other asset classes like self-storage facilities and mobile home parks.

And I’m also telling you because, who knows, maybe you can actually participate in these deals with us.  More on that in a bit.

So what are these two crazy-powerful value adds we’re going to perform?

So you may recall from yesterday, we’re acquiring 2 separate RV parks.  Specifically on the one in Wisconsin… we’re going to be able to add, at a cost of about $50,000 per cabin, about one dozen nice little cabins which will be available for rental in our parks.

Now here’s the really CRAZY thing… based on the rates our clients are ALREADY PAYING for space in that park, it’s actually quite plausible to think that we’ll collect more than $50,000 of income per unit after just two, or maybe 3, seasons.  RV parks, you see, are seasonal, generally with 2 4-month high seasons per year. And after only 2 or 3 of those season, those cabins will basically be totally free and clear cash flow, with only minimal incremental expense for maintenance!

That, my friends, is ASTOUNDINGLY WONDERFUL… super-high-ROI stuff.  I’m so excited about this deal!

And that’s not all

For the property in Michigan, we’re going to add a particular water feature there which is an absolute super-powered electromagnet for attracting families with children.  This is just an amenity we’re adding to the water amenities already onsite. It won’t be cheap to do this… with the cost coming in around $150,000 or so, but get this:

The evidence is absolutely overwhelming that this type of amenity brings more families with children to an RV park… and these are families who wouldn’t have otherwise come.  In other words… new customers!

And what’s astounding is that there’s data - anecdotal, admittedly, but still relevant - that suggests that the presence of this type of water feature can, all by itself, increase the net income of certain well-run parks by 20-30% after 3 years.  With rates like that, it takes no time at all to recoup the $150,000 and investment and then be SOLIDLY in the money.

And what’s EVEN BETTER is that I haven’t even begun to scratch the surface of what’s possible with RV parks.  If you find multi-family real estate attractive because of the potential to add value and create new income streams, then you’ll find RV parks to be like an absolute candyland of potential, much of which can be realized near term and at shockingly low costs.

I couldn’t possibly be more excited about the future with these assets.  We’ve already begun the hunt for even more of them.

If you’d like to learn more about investing in RV parks… and maybe even participate in some of the deals that my partners and I are doing, drop a text to me at 833-212-2112 and let me know.  We haven’t yet decided if we’re going to take on outside investors, and if we do, we’ll open up an application process, the first step of which is to be on my investor alerts list… and the way you make that happen is to text me at 833-212-2112 and let me know you’d like to be included.

Oh… and  failed to mention… you can actually use your IRA or 401(k) to do this type of investing!  Want to know how? Well how about I give you those details in the very next episode of Self-Directed Investor Talk?!

My friends… invest wisely today and live well forever!

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For the last few years, the asset class that’s been all the rage is multi-family housing.  But I’m here to tell you, my friends, there’s a new king of the hill. You’ll find out what it is RIGHT NOW in I’m Bryan Ellis.  This is Episode #321 of Self-Directed Investor Talk.

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Hello, Self-Directed Investors, all across the fruited plane.  Welcome to Episode #321 of Self-Directed Investor Talk, the SHOW OF RECORD for savvy self-directed investors like you.  Guess what’s going to happen today? Well, I’m going to help you to find, understand and profit from exceptional alternative investing strategies and opportunities… so buckle up!

So, the telephone rings, and I recognize this guy’s name.  He’s a friend, a fellow investor, and someone whose judgment I trust quite strongly.  He’s the kind of guy that when he says “I’ve got a deal”, if you’re smart, what you say in response is “where do I send the money”.

So I picked up the phone, earnestly hoping that one of his life-changing opportunities awaited But that’s not what he said, this time.  Instead, what he says, is this: I’ve got TWO deals… and instantly, I know this is going to be my lucky day.

I’m going to tell you about those two deals and why you should keep your ears open for similar opportunities for yourself.  In fact, it may even sound to you, as I describe these deals to you, that I’m trying to sell YOU on investing in these deals with us.

Nope.  We’re closing on both of them with our own money, because both of these are just too sweet to turn down.  But I can tell you, with some confidence, that you’re going to wish you were in on this when you hear about it.  Who knows, we may raise capital for these deals so we can get some of our money back out to find even more of them… but we may just keep them… they’re that good.  If you’re already on my investor waiting list, I’ll let you know if we decide to make this available. And if you’re not already on my waiting list, and if you are liquid for atleast $100,000 - then you probably want to get on that list right away.  Just text me at 833-212-2112 and ask to get on the waiting list and I’ll take care of you.

So what is this spectacular asset class?

Oh now… surely you can venture a guess?  Think with me… the biggest demographic phenomemon of the last 60 years… the BABY BOOM generation… they’re retiring at the rate of about 10,000 people per day.  A whole lot of them have MONEY, and lots of it. And all of their kids and grandchildren have spread out all over the country. What are these people doing? They’re buying RV’s - in MASSIVE volumes - and taking their home with them all over the country.

So what opportunity does this create for me and you… and what is the ACTUAL opportunity that my friend reached out to me about?

RV parks, baby!  Imagine the benefits of owning a hotel… where you get a very, very high rental price for a very, very small portion of real estate… but you do NOT have to think about things like laundry or furniture or linens or any of the things that makes a hotel so very expensive to establish, operate and own.

Instead, what you’re renting out is, essentially, a piece of concrete.  A small piece of concrete, where your customers bring THEIR OWN bed and THEIR OWN furniture and THEIR OWN linens.  All you do is provide them with a hookup for electricity and water and, if you’re smart, some great amenities, and what do you have?  You have a situation where you’re collecting hotel-like nightly rental rates in exchange for a service that is FAR LESS EXPENSIVE and SO MUCH EASIER to provide than with a hotel.

But there’s another HUGE benefit to RV parks… lots of them, actually.  And this one explains why, we are expecting, conservatively, an internal rate of return of 15-20%+.  That benefit is REPEAT BUSINESS! You see, we know, as a sociological fact, that people who use RV parks are, by and large, very habitual in their behavior.  Once they find an RV park that they like, chances are they’ll come back every year or two over and over and over again…

...and that means not only are the profits in this business VERY HIGH, but they can also be incredibly CONSISTENT.

Both of the deals that we’re buying and closing on in the next two weeks are actually ALREADY very profitable… and the REALLY beautiful thing is this:  A little money spent wisely goes a REALLY LONG WAY with RV parks. There are two examples I want to share with you, both of which will ABSOLUTELY blow your mind… you’ll see why we are SO UTTERLY THRILLED with this asset class.

But before I share those two examples with you, think about this name:  Sam Zell. Sam Zell is a LEGENDARY real estate investor, Bloomberg pegs his net worth at $4.4 BILLION.  Zell started and currently owns a very large percentage of several publicly-traded REITs - kind of like a mutual fund for real estate investments - and each of those REITs are focused on different real estate segments like commercial real estate, multi-family and… surprise, surprise… RV parks and mobile home parks.  And guess which one is outperforming the others? According to a recent story in BisNow.com, the answer is no surprise at all:  Zell’s RV parks are CRUSHING the results from commercial real estate, multifamily and every other real estate sector.

As for those two examples of how an investor can easily spend a TINY amount of money in an RV park and get that money back entirely very, very, very quickly… you’re just going to be bowled over, my friends.

Unfortunately, we’re short of time today, so I’ll tell you those two things tomorrow, so be sure that you have SUBSCRIBED to Self-Directed Investor Talk in Apple Podcasts or whatever podcast system you use.

If you’d like for me to send you a notice when I release that episode so you are sure you don’t miss it, just drop a quick text to me at 833-212-2112 and let me know.

I’ll look forward to pulling back the curtain for you a little more tomorrow, my friends… and I’ll even give you my advice on how YOU can get involved in this incredibly, incredibly attractive asset class yourself… maybe even using the money in your IRA or 401(k), so don’t miss it!

My friends… invest wisely today and live well forever!

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Secrets of Highly Tax-Advantaged Investing -- Episode #320 -- https://SDITalk.com/320

For more information: text the word FLOWTEX to 833-212-2112

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Want to flip real estate in your IRA or 401(k)? Think you won’t owe taxes on your profits? You’ve made a very common error… but so did I in a solution I devised to that problem. Maybe my error will keep you from making any of your own, and I’ll tell you about it right now. I’m Bryan Ellis. This is Episode #319 of Self-Directed Investor Talk.

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Hello, Self-Directed Investors, all across the fruited plane. Welcome to Episode #319 of Self-Directed Investor Talk, the SHOW OF RECORD for savvy self-directed investors like you, where each day, I help you to find, understand and profit from exceptional alternative investing strategies and opportunities!

I have a great show headed your way right now. If you’d like to get the transcript or links to the resources I share with you today, just send text the word ep319 with no spaces to 833-212-2112. Again, to get a link to the transcript and resource links for this episode, #319, just text the word ep319 with no spaces to 833-212-2112 and we’ll get it right out to you.

Well, I’ll admit it, folks… the brilliant idea I had yesterday isn’t going to pan out. Still, there’s a very helpful lesson in it that you’ll want to know, particularly if you like the idea of flipping real estate in your IRA or 401(k), and I’ll tell you all about it right after this…

So here’s the idea: In the last couple of episodes I’ve shared with you 5 reasons that I’ve reconsidered my formerly 100% negative stance against oil and gas investing. It’s not that I never believed it could work, just that I had a misunderstanding of how risk can be mitigated, so the risk was all I saw. I’m definitely infinitely more open to that asset class now, and one of the big advantages created by many oil & gas investments – which is HUGE tax deductibility – sparked an idea in my mind:

The idea was this: There are a lot of people who like to flip real estate in their IRA or 401(k). Unfortunately, most of those people seem to not be aware of the fact that most such transactions are technically “earned” income rather than “unearned” income, and as such, the IRA or 401(k) will have to pay income taxes on any profits realized from flips.

So here was my thought: If a person does a flip deal that generates a lot of profit, why not just – assuming you have the available capital to do so – just mitigate those taxes by doing a separate oil & gas investment? That would generate a tax deduction which would otherwise be totally irrelevant for a retirement account since oil & gas probably IS unearned income, and therefore shielded from taxes by the IRA or 401(k), so you could take the tax deduction generated by the oil & gas deal and apply it to the income generated on your flip deal and VOILA, problem solved.

Right?

Well… Yes… until recently, that is. During the end of yesterday’s show when I described this idea, I kept hearing a voice in my mind saying… check it out, check it out! It was as if this idea absolutely SHOULD work, but for some reason, it won’t… I just couldn’t remember why.

Well, I did what I always do when I have a question of this nature… I reached out to the Great One, attorney Tim Berry, for clarification. And he filled in the blanks for me. Apparently, before the recent Trump tax cut, it WAS possible for deductions generated by one investment to offset the profits generated by another investment in an IRA or 401(k). But apparently, that went away with the new tax law. That’s unfortunate. That tax bill has been so very good on such a broad basis and so clearly very good for our economy… but the fact is that there are still some somewhat crappy parts to it, and this is one of them.

So… this idea won’t pan out. Not all of them do. That’s ok. Let’s keep thinking creatively together, shall we?

My friends, invest wisely today and live well forever.

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News flash: I was wrong. There’s one asset class that I’ve never embraced and certainly never invested in because it is, I convinced myself, incredibly risky. Well, I was wrong. I’ll tell you HOW I was wrong… and the upside potential of this asset class RIGHT NOW in Episode #317 of Self-Directed Investor Talk.

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Hello, Self-Directed Investors, all across the fruited plane. Welcome to Episode #317 of Self-Directed Investor Talk, the SHOW OF RECORD for savvy self-directed investors like you, and today we have an excellent show for you.

Our telephone number here for you folks that have questions is easy to remember: 833-212-2112. And that’s also our TEXT number, too… because if you’d like a link to the recording of this show or to the transcript – maybe to review for yourself or forward to a friend of yours, it’s very easy to get that and costs nothing other than normal message and data rates. Just text today’s episode number – 317 – to 833-212-2112 and we’ll send those links out to you right away.

The asset class we consider today isn’t a new one, but it’s still a sexy one. Two of the most famous TV shows of the 1980’s – Dallas and Dynasty – were based on the immense wealth created by this asset class, and the frankly, the money involved in this arena has done nothing but get bigger and bigger and bigger.

That asset class is, of course, the oil & gas industry.

Now look… I’ve never invested a single penny in this asset class. I have no experience with it. None. My interest in it is solely because a friend of mine for whom I have great respect, and whose acumen as an investor is absolutely first-rate, and has been so consistently for many years now… well, he reached out to me as he does from time to time for help with raising some capital for a project of his. Given his success, I always take such calls quite seriously, but this time, his latest project stopped me cold: He wants to do a big oil & gas investment, and he wants me to help him raise money for that investment.

Normally, I’d turn down the request just because I think oil & gas is so risky. But I had to give him a fair hearing because of his track record. And I’ve got to say… I think I may have been operating under some faulty assumptions for a long time.

I’m still doing my research, but here’s what I’ve found out so far:

First, risk doesn’t exist in a vacuum in the oil business. I mean that, by and large, it’s relatively simple to know in advance, through the use of modern science, whether a particular high-risk, high-reward new oil well might be a total dud. In other words, if you’re careful, it’s not extremely likely you’ll ever be taken by surprise if you invest in a new well that ends up being unproductive. You’ll know going in about your odds of success, and you can likely mitigate that risk in several different ways, which leads to

The Second point, which is this: Risk mitigation is the key in oil & gas. It appears that the “smart money” in that business mitigates their up-front risk by a combination of careful and aggressive investment in the geological research necessary to make well-informed predictions, and by always spreading risk around by way of investing in not just one and only one oil well, but in MANY oil wells, so that the failure of any one can be overtaken, probably in substantial volume, by the other more successful wells.

Now those first two bits of learning are helpful and useful but not overwhelmingly surprising. But these last two points, I never would have guessed. And I’ll tell you what they are in about 45 seconds from now, when we return from this quick word from our sponsor.

Hey folks, Bryan Ellis here.  An industry that’s really caught my attention lately is oil & gas.  It’s not for everybody… but if you’re looking for the ability to take an income tax deduction for practically EVERY PENNY you invest into your deals…PLUS a method of investing so reliable that banks lend against this kind of income, you should reach out to my friend Aldo over at FlowTex Energy.  I don’t know if they’re funding any investments right now or not… but what I do know is Aldo can help you see whether oil and gas is a good fit for you… and why it’s probably a much better fit than you think.  Learn more now.  Just text the word ALDO – that’s ALDO – to 833-212-2112 right now.  Again, text the world ALDO to 833-212-2112 right now.

So, continuing on with the 5 things I’ve learned about investing in oil & gas that may be changing my mind about that asset class…

The Third thing I’ve learned is this: There’s more than one way to play the oil & gas game. You see, the thing we probably all think of – acquiring land, drilling for oil, hoping for big gushers and selling oil by the thousands of barrels each day – well, that’s certainly one way to play it and it’s a very HIGH DOLLAR kind of way. But it’s not the only way. For example: It’s actually quite common for niche-type companies to do very, very well in the oil and gas business simply by buying wells that are ALREADY PRODUCING and simply to monetize those wells. It turns out that the state of the art in science where oil and gas detection are concerned is sufficiently advanced that many banks will actually lend against the production capabilities of oil wells, so predictable and reliable is the ability of scientists to forecast the productivity level of any particular oil well.

But why would an oil company sell an oil well that they already own, that is producing reliably, and that has a predictable value in the future? Well, it has to do with the fourth issue I learned about, and that one – along with issue #5, which is the most important one of them all, the one that actually makes it HARD TO LOSE as an oil & gas investor, we’ll have to reserve for tomorrow, since we’re out of time for today.

I really hope this has gotten you thinking about the potential of oil & gas investing. I’ll be straight with you: I’m not yet 100% sold. But every day, the pendulum swing is getting closer and closer to a big, fat YES.

So join me tomorrow to hear about the final two HUGE things I’ve learned… more substantial even than the first 3. If you’d like to hear this episode again or read the transcript – or even forward it to a friend of yours you know is interested in oil & gas investing – then just text today’s episode # - which is 317, 317 – to me at 833-212-2112 and we’ll get those links to you right away.

In the mean time, my friends: Invest wisely today and live well forever!

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Is the big-time AirBnb boom opportunity winding to a close? There are three totally anecdotal, but eerily accurate, indicators I’m seeing, each of which gives an unambiguous answer to that question. I’m Bryan Ellis. I’ll tell you what those 3 indicators are RIGHT NOW in Episode #316 of Self-Directed Investor Talk.

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Hello, Self-Directed Investors, all across the fruited plane. Welcome to Episode #316 of Self-Directed Investor Talk, the SHOW OF RECORD for savvy self-directed investors like you, and today we have an excellent show for you.

To ask question, just call 833-212-2112. Or if you’d like to receive a link to this show you can listen again at your leisure or possibly share it with a friend, just text today’s episode number – 316 – to 833-212-2112 and I’ll get that link to you right away. Again, that’s text today’s episode number – 316 – to 833-212-2112 right now.

Today we jump into a topic that I bring up with some concern. I want the answer to this question to be different than I fear it might be. The question we’re considering is this: Is the big-time boom opportunity in AirBnb drawing to a close? 

I’ll give you my answer, along with the 3 pieces of evidence I’ll cite to support that opinion. But first, a quick word from a sponsor I know you’ll enjoy hearing from:

Hey folks, Bryan Ellis here.  An industry that’s really caught my attention lately is oil & gas.  It’s not for everybody… but if you’re looking for the ability to take an income tax deduction for practically EVERY PENNY you invest into your deals…PLUS a method of investing so reliable that banks lend against this kind of income, you should reach out to my friend Aldo over at FlowTex Energy.  I don’t know if they’re funding any investments right now or not… but what I do know is Aldo can help you see whether oil and gas is a good fit for you… and why it’s probably a much better fit than you think.  Learn more now.  Just text the word ALDO – that’s ALDO – to 833-212-2112 right now.  Again, text the world ALDO to 833-212-2112 right now.

Ok, AirBnb… Very cool concept, I’ve really respected the creative thinking of this company since the beginning. The idea is simple: You have a property. You let AirBnb list your property for short-term – as little as a single night – rentals, and the two of you share revenue from that rental. And it turns out that that concept has been so popular that many people who otherwise would have tried to monetize their real estate by doing conventional year-long or month-to-month rentals have instead been making money, and frequently MUCH more money, by doing short-term rentals through AirBnb than by using the more conventional approach to generating rental income.

But all gravy trains slow down, and this one will too at some point.

Are we there yet?

I don’t think so. But I think we’re getting pretty close… close enough that making money on AirBnb is no longer easy as “shooting fish in a barrel”, so to speak. I’ll share 3 pieces of evidence that leads me to this thinking, but I’ll go ahead and readily admit:

Each of these 3 reasons are anecdotal, not statistical. You probably know that my formal education is in engineering and computer science, so I don’t typically have a lot of use for anecdote. But I have noticed that anecdotal evidence is frequently a leading indicator for the more empirical form of evidence I prefer, so I can’t ignore it and neither should you.

So without further adieu, here are my 3 anecdotal indicators that suggest the AirBnb gravy train is slowing down:

Reason #1: Anytime there’s a cable TV show about an investing strategy, you’ve got to wonder if that strategy might be spent… or at least that there’s more competition than makes sense. And guess what? There’s now a TV show on the cable TV station CNBC called CashPad… and that show is about NOTHING BUT people turning their houses into AirBnb properties for profit.

Does this mean disaster is imminent? No, but it does mean it’s becoming so well know that it’s looking like a “good idea” to John Q. Public… and that’s historically not a good sign for anything.

Reason #2 the AirBnb gravy train might be slowing: The government. Look, the government is really only good at a few things, and the thing they do best is to destroy great business opportunities. That’s what is happening now in a number of jurisdictions where local governments are trying to flex their muscles and put rather onerous restrictions on AirBnb property owners. Some of these restrictions are reasonable, because AirBnb hosts and their guests aren’t always particularly respectful of the neighborhoods where they stay. But it’s bigger than that. Local governments see an opportunity here to generate more revenue, and frankly, I suspect this will, in many places, increase the effective cost of renting AirBnb properties enough to make serious, frequent travelers – the backbone of the hospitality industry – return exclusively to the big hotel chains.

And finally, reason #3: This is most anecdotal of all and I’ll admit it’s a little condescending, though I don’t mean that to be the case. Here’s the deal: Have you noticed that some of the people doing well with AirBnb’s don’t seem to be the sharpest knives in the drawer, if you know what I mean? Don’t get me wrong: I know that there’s not an actual connection between high intelligence and the ability to be successful as an investor. But it appears to me that the money has been so easy in that game that up until now, it’s been pretty easy for everybody – whether they’re more of the “wheat” or the “chaff” variety – to make a lot of money from it. And when something is too good to be true, there’s inevitably a market adjustment.

Now as I said, all of these reasons are “soft” reasons without data to back any of them up. They’re all observations, and they’re such soft observations that I’m certainly not suggesting anyone change their plans on the basis of what I’ve shared with you. But maybe, just maybe, it might be a good idea for you to keep an eye on this stuff.

After all, job #1 of the self-directed investor is to RESPECT YOUR OWN CAPITAL.

My friends, invest wisely today and live well forever!

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