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Buy Fildena 100mg Tablets at Low Price in USA, UK & Australia to Treat ED & PE

What is Fildena 100mg?

Fildena 100mg is an anti ED medicine contains Sildenafil citrate as an active ingredient used for the treatment of erectile dysfunction or impotence. It is a PDE5 inhibitor works to promote the blood flow to the penis for prolonged erection by expanding the blood arteries & relaxing the smooth muscles. This medicine also acts by expanding within the blood arteries in the lungs. Fildena 100mg is a generic viagra helps to achieve a firm erection during intercourse in men with erectile dysfunction. It works to control the enzyme to develop the penile blood flow.

Pfizer made a formal discovery of this medication in 1989 while trying to create a new treatment for heart-related chest discomfort. In addition, in 1998, Fildena 100 mg received official approval for medicinal usage in the United States and Europe. More importantly, it was the 217th most popular medication in the US in 2017.

How does Fildena 100mg Tablet Work?

Fildena 100mg (Sildenafil Citrate) is an anti ED medicine used for erectile dysfunction. It works to develop blood flow in the penis to achieve an erection during intercourse. The mechanism of Fildena 100 mg revolves around the degradation of cGMP or cyclic guanosine monophosphate. Furthermore, this is done by blocking the phosphodiesterase type 5 enzymes in the corpus cavernosum erectile tissues. In addition, the nitrous oxide available in this area binds to the guanylate receptors. As a result, the cGMP levels rise, causing smooth muscle relaxation in the arteries of the penis, i.e., helicine. Finally, the process of ‘Vasodilation’ instigates an increase in blood flow into the penis leading to an ‘Errection.’

Chemical Composition of Fildena 100mg:

Fildena 100mg is a drug used to treat erectile dysfunction that comprises 3-propyl pyrazole-5-carboxylic acid ethyl ester with hot dimethyl sulfate. The process used in the manufacturing of this medication includes the following steps:

Methylation

Hydrolysis

Nitration

Formation of Carboxamide

Reduction of Nitro to an amino group

Cyclization

Sulfonation

Condensation

What Exactly are The Drugs Which Interact with Fildena 100 mg?

Besides, you must avoid Fildena 100mg if using any pulmonary arterial drugs, including riociguat or Adempas. Additionally, you must stop taking this medication immediately if you are using nitrate medications for severe cardiac problems or chest discomfort.

Furthermore, before using Fildena 100mg, you should talk to your doctor about all the medications you are now taking. Particularly if you are taking drugs in case of high blood pressure, prostate issues, anti-retroviral treatments like ritonavir that aid in managing HIV/AIDS, or even if you are taking antifungal drugs like itraconazole or ketoconazole.

The Medical Applications of Fildena 100mg:

Before using Fildena 100mg, you need to understand its uses medically.

They include treating abnormal sexual conditions in males, such as erectile dysfunction. Moreover, you can also use it to diagnose several other disorders, such as Raynaud’s phenomenon, high-altitude pulmonary edema, and any sexual dysfunction associated with antidepressants.

What are The Dosage Guidelines of Fildena 100mg Tablets?

To begin with, you must ensure that you take Fildena 100mg as per the prescription given by your doctor. In addition, you need to consume this medicine at least three times a day at intervals of about four to six hours.

Furthermore, if Fildena 100mg is a suspension (liquid), you must measure your medicine dose using a measuring dose device or dosing syringe.

Additionally, while you engage in sexual activity, you experience symptoms such as dizziness, pain, numbness, or even nausea; then, you need to call your physician immediately. Other signs you need to look for before calling your doctor include a tingling feeling in your neck, jaw, chest etc.

What must You Do If You Miss A Fildena 100mg Dose?

Generally, Fildena 100 mg is a drug you must use only when necessary. Therefore, it is doubtful that you can ever forget to take a dose. In addition, you must take the missed dose of this medication as soon as you remember. Avoid taking a missed dose if your next dosage is only a few hours away. Also, refrain from taking two dosages at one time.

What to Do When You Overdose on Fildena 100 mg?

There is a real possibility that you may overdose on Fildena 100 mg. Therefore, under such circumstances, you must consult your doctor immediately. Since if you do not do so, then the probability of a medical emergency is very high.

What are The Side Effects of Using Fildena 100 mg Tablets ?

Like other allopathic medications, Fildena 100 mg exerts several side effects that you need to know about. They are as given below:

Blurring of vision

Digestion issues

Nose congestion

Lack of sleep or insomnia

Headache

Dizziness

Muscle Pain

Back Pain

Flushing that includes symptoms such as redness

Apart from the side effects of Fildena 100 mg, there is also a few adverse effects you must know to take action before a severe medical complication arises. They are:

The ringing of the ear.

Painful erection

Convulsion or a Seizure attack

Irregular heartbeats

Symptoms of a heart attack

A lightheaded feeling

Shortness of breath

What are The Precautions / Warnings That You Need to Take into Account While Consuming Fildena 100 mg?

You must refrain from taking Fildena 100mg if you also have nitrate-based drugs for chest discomfort or cardiac issues. More importantly, to name a few, you must not use medications like nitroglycerin, isosorbide dinitrate, and isosorbide mononitrate,

Some drugs, including riociguat, can exhibit severe adverse effects when taken with Fildena 100mg.

Additionally, you should see a doctor when you decide to use Fildena 100 mg and have pain that lasts for four hours or more. Furthermore, you need to call your doctor and get emergency medical help if you find yourself suddenly turning blind.

How do You Take Fildena 100mg Tablet?

It is essential to take Fildena 100mg as per the directions provided on the prescription package. Furthermore, you must take this medication orally as directed by your doctor. You must take this medication at least four hours before engaging in sexual activity. Please avoid consuming it more than once per day.

Furthermore, you must take this prescription as per your current state of health, how well your body responds to diagnosis, and any other medications you are now taking. You should let your doctor or pharmacist know about your intended Fildena 100 mg dose plan.

Before Taking Fildena 100mg, Do You Know What Needs to be Done?

Before taking Fildena 100mg, you must tell your doctor if you have ever experienced any medical issues. These are what they are:

Ulcers in abdomen

Renal problem

Liver disorder

Abnormal vision

Issues of blood circulation

Penis dysfunction

Multiple myeloma and leukemia

The collection of commonly asked questions about Fildena 100mg that we present is for you to learn more about this drug. They are as follows:

FAQs:

Q. Are Fildena 100mg Safe to Consume?

When taking Fildena 100mg for erectile dysfunction, the average onset of action is within 30 minutes. Moreover, it can last up to four hours before starting to lose its impact, which generally happens after two hours. Furthermore, it would help if you took the brand of this medicine that your doctor advises. It is to be noted that different brands might not operate similarly.

Q. Is Fildena 100mg Effective in Maintaining Erections Following Ejaculation?

It is possible that consuming Fildena 100mg can enable you to keep your erection after ejaculating. Moreover, suppose your erection persists for more than four hours. In that case, you should immediately see a doctor since your penis could be severely affected if you do not take care, leading to a medical emergency.

Q. Is it healthy for your heart to use Fildena 100mg?

According to a professor at The Johns Hopkins University School of Medicine, Fildena 100mg may reduce the force and rhythm of your heartbeat caused by chemically induced stress in the heart, lowering the amount of blood and the force needed to pump it into the body.

Q. Can take 100mg of Fildena cause a stroke?

Fildena 100mg is generally not associated with heart attacks or strokes when taken as directed and with the precautions suggested by your doctor. However, there is data to suggest that Fildena 100mg can cause stroke due to the overuse and abuse of this substance.

Q. Does the 100 mg tablet of  Fildena cause memory loss?

All three erectile dysfunction drug brands, including Cialis, Levitra, and Viagra, can potentially result in the highly unusual occurrence of temporary global amnesia. Transient global amnesia, often known as TGA, is a brief bout of amnesia that lasts no more than a day and has no side effect.

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The #1 Secret To Create Wealth In Real Estate – Multi-Family Apartments

The #1 Secret To Create Wealth In Real Estate – Multi-Family Apartments

[Editor’s Note: The following article is from Jeff Wiener. He blogs over at The Kick Ass Entrepreneur which focuses on helping entrepreneurs expand their business, improve profits, and create wealth. Jeff ran his business for 26-years, sold to private equity for 8-figures in 2017, and semi-retired at the age of 49. Throughout the years, Jeff built a portfolio of apartment buildings that he continues to manage until today. Now that my main focus of this site is helping other docs to acquire real estate assets without dealing with the hassles of managing property, I love featuring others for you to continue to learn from another point of view Enjoy the post.]

Do you want to create massive wealth investing in multi-family apartments via investment real estate?

Let me show you how.

Most people believe the best way to build wealth in real estate is to buy a REIT (real estate investment trust), which you can easily buy on the stock market.

And there’s nothing wrong with investing in the stock market, or, buying a REIT for that matter, but, the serious wealth, the kind of money that propels you into the top 1%, is made by those individuals who understand the fundamentals of how to strategically value, buy, upgrade, and sell their own properties.

According to the Forbes magazine article, “How the World’s Billionaires Got So Rich,” real estate and business ownership are at the top of the list.

And that’s what I am going to explain today for you. Fortunately, you don’t need to be a real estate guru to buy your first property, I will show you, step-by-step:

how investment real estate is valued, specifically multi-family apartments

examples of how to make a return on your investment

how I made a 344% return in two months

And then I’ll walk you through an example of a property that I am considering, where I stand to make over $4.5 million profit inside three years.

I wrote this post with the beginner investor in mind. The things I write about are things I wish someone had explained to me before I started down my real estate path over ten years ago.

How to Create Massive Wealth Investing in Multi-Family Apartments

First, I want to share with you a simple concept you need to understand before you begin the hunt for your first investment property.

At the heart of investment real estate is a concept called the capitalization rate, otherwise known as the CAP rate.

What is the CAP rate?

I’m going to spend some time reviewing this, as it’s important you understand how it impacts your investment and returns.

The CAP rate is the building’s profit (before taxes and building depreciation) divided by the purchase price of the building.

Let me illustrate, first with the formula and then with an example:

CAP Rate = Net Operating Income (NOI) ÷ Building Value (BV)

Let’s say there’s a building on the market that’s selling for $1 million. Let’s assume that the building is netting $100,000 (after expenses like maintenance and building management).

The very simplified income statement looks like this:

Revenue = $175,000

Expenses (maintenance, utilities, management) = $75,000

Net Operating Income (NOI) = $100,000

In the above example, this building’s CAP rate = $100,000 ÷ $1 million= 10%.

Why Is the CAP Rate Number So Important?

All commercial real estate properties, multi-family apartments included, trade on their CAP rate. This is the first number a discerning buyer looks at when evaluating a building.

CAP rates vary from city to city and, even then, vary within pockets of a city.

It’s likely that a building in one section of a city has a CAP rate of 5% and then a few blocks over, perhaps in a less desirable area, has a higher CAP rate of 8%.

The less desirable the area, the less the building is worth and, hence, the higher the CAP rate.

It’s not that dissimilar from how a stock’s price-to-earnings (PE) ratio works. Stocks of similar companies and industries have a similar PE ratio. If there’s a variance, there’s almost always a reason.

The same holds true with CAP rates.

Now, imagine a scenario where a building on 123 Main Street with a net profit of $100,000 just sold for a 5% CAP rate, and the building next door at 125 Main Street (which is identical in size, apartments, and every respect other than the rent rates and income) has just been put on the market.

Value of 123 Main Street

Let’s review some basic math and solve for the value of the building (BV).

The profit of the building at 123 Main Street, which just sold for a 5% CAP rate, is $100,000.

Remember, the formula:

CAP Rate = Income ÷ Building Value.

5% = $100,000 ÷ BV

In this case, BV = $2,000,000.

Now, the building owner at 125 Main Street is going to put their building on the market.

Remember what I explained earlier: buildings are sold based on CAP rate. So the building at 125 Main Street will likely sell at a similar CAP rate, but in this case, let’s imagine the income at 125 Main Street is $120,000.

Value of 125 Main Street

Using the same math as above, let’s solve for BV:

5% = $120,000 ÷ BV

BV = $2,400,000

Notice that the value between the two buildings is $400,000 (2 million vs 2.4 million), even though they are identical in every way other than the $20,000 yearly difference in the net operating income.

In the above example, for every extra dollar you’re able to raise rents or lower expenses, the net operating income increased by $1. At a 5% CAP rate, every extra dollar in NOI increases the value of the building by $20.

Now that you’re a real estate guru and understand the math and CAP rate, I want to illustrate how to create wealth, but I want to illustrate with a story first.

How I Made a 344% Return in 2 Months Investing in Multi-Family Apartments

I got a call in 2014 from my insurance company about a 21-unit building I own. The insurance company no longer wanted to insure the property unless we provided a written guarantee that there was no knob and tube wiring in the building.

As an aside, knob and tube is an older type of electrical wiring that was used until the late 1930’s. Given the increased age of the wiring and higher probability of electrical and fire problems, many insurance companies are reluctant to insure buildings with this older style of electrical cable because of a perceived increase in risk.

The insurance company gave me only two months to comply. After this, I had to sign an affidavit confirming there was no knob and tube in the building, otherwise, I had to find a new insurance company.

Fortunately, only two of the units had knob and tube.

Unfortunately, both units were occupied by very long-term (30+ years) tenants, and their rents were well below market because of rent control.

It was only going to cost a few thousand dollars to replace the wiring, repatch all the holes, and clean up the unit. But I saw an opportunity to completely gut the units and significantly raise rents. The problem with rent control, though, is that you can’t just kick a tenant out.

My Big Return

The tenants in the two units were paying approximately $900 per month each in rent. The going rate for a renovated unit in the same building at the time was approximately $1,500 per month, a difference of $600 per month – $7,200 per unit per year extra.

I couldn’t kick the tenants out. I had the option of asking each to vacate for two months while I redid the electrical.

Once completed, because of rent control, I would have to give them their units back at the same rent. There was a negative return on my dollar.

In the end, I paid each tenant approximately $5,000 to vacate their units. I then spent approximately $40,000 in upgrade costs per unit and rerented the units for $1,500 each per month.

When we were done renovating, the units were gorgeous.

Let’s look at the math: $45,000 in upgrades ÷ $7,200 per year in rent increase = 6.25 years until payback.

The 6.25-year return on my initial investment isn’t bad, but that’s not where the big returns come from.

This particular building has a CAP rate of 3.5%. I increased the rents by $7,200 per year per unit. This translates to an increase in the value of the building of $205,000.

Cap Rate = NOI / BV

3.5% = $7,200 ÷ BV

BV = $205,000

Between the two units, I spent $90,000 in upgrade costs and increased the valuation of the building by more than $400,000. That’s a 344% return on investment, in just two months!

If I had put the building on the market two days after the units were rented, the new buyer would calculate the building’s value based on the new rent roll. (Now, given that I have a long-term buy-and-hold strategy, I held the building.)

But I have another interesting example of how I intend to make over a 100% return in three years on my invested dollar investing in multi-family apartments.

How to Make 110% Return, or $4.7 Million, in 3 Years

As I mentioned earlier, the CAP rates vary by city to city, and even within areas in a city.

As an example, according to the 2018 CBRE North American research report, the average CAP rate for a multifamily Class A building for most North American cities is between 3% and 5.5%.

A few example CAP rates from different North American cities for Multi-Family Apartments

Toronto = 3% to 3.75%

Boston = 3.75% to 4.75%

San Francisco = 3.75% to 4.25%

Atlanta = 4.25% to 5%

St Louis = 5.5% to 5.75%

I am currently considering an offer on a 32-unit apartment building. The listed asking price of the building is $5.65 million, with a stated CAP rate of 3.6%. Normally, I wouldn’t be interested in purchasing a building with such a low CAP rate, but in this particular case, the rents are well below market, and given the illustration of what I explained above with the knob and tube example, there’s the potential to make over $4 million inside 3 years.

The current financials of the building are as follows:

CAP Rate = $203,541 (NOI) ÷ $5,650,000 (BV; asking price) = 3.6%

Assuming we keep the CAP rate constant at 3.6%, every additional dollar in NOI will result in an increased value of the building of $27.78 ($1 ÷ 3.6%).

I estimate that if I spend $1,664,000 in upgrade costs on the building, I can increase the rents by approximately $17,250 per month.

I estimate that I can gut all the units and replace the tenants inside three years. That improves the value of the building, based on a constant 3.6% CAP rate, to approximately $11.4 million.

There’s clearly a much longer story, which I am not going to address at length here. You can read the full background, along with all the numbers, in this blog post: “Here’s How to Buy an Apartment Building and Make a Whopping 110% in Three Years.”

For all of you complaining that CAP rates are too low, the irony is this: “If you’re looking to buy, renovate, and raise the rents, then a lower CAP rate is better.”

I have been buying investment real estate for many years, so I have a decent sense of how to spot an opportunity and take advantage of CAP rates. I also have more dollars available to invest into a project.

However, the math and mechanics work the same whether you are buying a 4-plex in St. Louis for $400,000 or a 35-plex in San Francisco for $8,000,000.

On a much larger scale, the above is an example of how REITs make money with their projects and how they can buy a property in what seems like an over inflated market and still make millions in return on their invested dollar.

They understand how and where to spot an opportunity and invest their capital.

Enter the Entrepreneur and Real Estate

Are you running a profitable business?

If so, have you ever wondered how to appropriately invest your profits?

Perhaps you’ve spoken with an investment advisor?

Most financial advisors will look at the amount of cash you have available to invest, check the optimal investment strategy and investment horizon for someone your age, come up with a percentage of stocks and bonds based on your available cash, and then design a supposedly “perfect” asset allocation model for you.

There’s just one problem: that conventional asset allocation model doesn’t work for entrepreneurs.

Your investment and cash requirements are different from the regular investor. You already have a large percentage of your wealth tied up in your business, which is equity.

A downturn in the market will result in not only a downturn in your stock portfolio. If the economy enters a recession, there’s a good chance your business will be in need of extra cash.

Most financial advisors simply don’t understand that. They also fail to take an appropriate approach to asset allocation.

Entrepreneurs must understand how to make risk-appropriate decisions when it comes to both investing and their businesses overall.

As a business owner, when you invest in yourself and your business, you take control of the outcome. You also maintain control by finding your own opportunities and capitalizing on them.

With careful diligence, planning, research, and education, you can influence the outcome of your investments without having to rely on the stock market. That’s where, to a great extent, real estate comes into play.

So what is an appropriate asset allocation for an entrepreneur?

I have a three-bucket investment strategy approach that I designed and used for over 30 years. It’s produced a 30% compounded year-on-year return since 1991, which is when I started my business.

Yes, 30% Is a Large Number

Much of that growth was a result of three things:

my business doing well and producing healthy dividends year after year

the successful sale of my business to private equity in 2017

strategically investing in real estate (the way I describe above with multi-family apartments), the capital appreciation of the real estate, and then the ensuing profits that the buildings produce year after year

Very little of the growth was from the stock market.

My investment allocation strategy, in a quick nutshell, is to divide your assets into three equal buckets.

Cash in bucket one.

Real estate in bucket two.

And the value of your business in bucket three.

My investment allocation strategy is time-tested: 2,000 years old, in fact. It’s not one I created, of course, but a strategy I followed and continue to follow to this day.

I write extensively about this strategy in my book, The Kickass Entrepreneur’s Guide to Investing, which was number one on Amazon business and nonfiction for quite a few weeks during the summer of 2018.

Real estate should be part of your overall asset allocation strategy. You definitely don’t want all of your eggs in one basket, but with proper diversification across a set of somewhat uncorrelated asset classes, you, too, can create massive wealth through real estate.

Hopefully, you’re now feeling like a real estate guru! Good luck with your first investment.

This post originally appeared on The Money Mix and has been republished with Permission.

The post The #1 Secret To Create Wealth In Real Estate – Multi-Family Apartments appeared first on Debt Free Dr..

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Financial Samurai 1Q2018 Investment Update And Outlook

Hopefully everyone got some laughs this April Fool’s! It’s always good to poke fun at yourself once in a while to stay grounded. Yes, Twitter is indeed like high school where there are gang ups, non-stop gossiping, and outbursts of hormonal rage. One of the main reasons why Disney decided to back out from their purchase of Twitter was due to the fear that all the hate would spill over and tarnish its reputation.

Anyway, I stand by my belief that if you are a happy person with a healthy dose of self-esteem, it’s hard to tell others to f off once you have f you money. Money simply magnifies who you already are. Let’s show empathy to the ones who dislike us the most.

For 2018 and beyond, I’ve decided to do things a little differently by taking away the absolute dollar amounts I invest. Given that there’s been so much rage against the middle class in expensive coastal cities, I don’t want the numbers to be a distraction. Only my family cares about how much we invest anyway.

1Q2018 Investment Update And Outlook

Stock Market

After rising as much as 7.22% in January, the Dow and S&P 500 closed down ~4% for after April 2. The initial ascent was unsustainable since such continued performance would lead to an annualized gain of over 100% for the year after a strong 20% in 2017.

Unfortunately, the government is no longer a tailwind, but a headwind with the start of trade wars with China and other countries. It’s now all about protecting special interest groups and asserting one’s dominance over others. It will be interesting to see if Trump can survive full-term if the stock market continues to falter.

Tech is out of favor at the moment after a huge data breach at Facebook, Uber’s self-driving car killing a woman in Arizona, another Tesla crash on autopilot with negative talks about Model 3 production, and Trump going after Amazon for not paying enough taxes (Financial Samurai pays more corporate income tax than Amazon).

With the S&P 500 down about 11% from its peak and having tested its bottom again in March, the market is trading at about ~16.8X 12-month forward estimated earnings. Prior to the selloff, the S&P 500 was trading at 18.2 times expected earnings, pricey compared to its 10-year average of 14.5. In December, the S&P 500’s forward PE reached as high as 18.9 before analysts began to increase their estimates for companies reporting their fourth-quarter results.

Therefore, even at ~16.8X forward P/E, the S&P 500 is not cheap compared to historical averages. However, if earnings grow by an estimated 18.4% over the next four quarters, you’ve got a P/E to Growth (PEG) ratio of less than 1X, which seems reasonable if the world can get along.

Source: Thomson Reuters I/B/E/S

Source: Thomson Reuters I/B/E/S

The best way I see the stock market regaining its footing is by companies reporting solid 1Q2018 results in 2Q. We’ve been whiplashed around by news and government rhetoric. If the majority of companies in the S&P 500 can meet or beat earnings expectations, then the expectations for an 18.4% S&P 500 earnings growth estimate will become stronger. If this happens, confidence will return to the stock market since stocks trade on earnings fundamentals at the end of the day.

I deployed a fourth of my remaining house sale proceeds at the beginning of the year, another fourth in February after the meltdown, and another fourth at the end of March when we hit a “double bottom.” I invested the rest of my house proceeds + cash flow into the bond market, which we’ll talk about next.

Stock Market Outlook At Current Levels: 7/10. I estimate 10% further downside at most and 15% upside if everything falls into place. I always look at investments with a risk / reward ratio.

Bonds Market Overview And Outlook

With fiscal stimulus and tax cuts, the market decided that such moves would be highly inflationary. Bonds sold off as a result, causing bond yields to rise and stocks to fall.

My line in the sand for the 10-year bond yield is 3% for 2018. It came close to breaching 3% when we got up to 2.94% on February 21. But yields have since come back down to around 2.73% with all the turmoil going on in the stock market.

Although the Aggregate Bond Market Index is down about 1.2% for the year, that’s better than being down 4% in the S&P 500. We might be in a situation this year of what asset classes loses me the least. But it’s too early to tell. Even if bonds end up down 2% for the year, you’re still up 0.75% if the yield is 2.75%.

I’m sticking with my belief that the 10-year bond yield does not breach 3% for 2018. Even if we do, it won’t be for very long (less than a couple weeks). In other words, the yield curve will continue to flatten if the Fed does not slow down its rate hikes, providing an ominous sign that a recession is coming.

Given the Fed isn’t stupid, I’m confident they will adjust their rate hike count and amount if the labor market weakens, inflation comes under expectations, and the stock market continues to correct.

I bought California muni bonds and some longer term treasury ETFs at the end of February after the 10-year yield broke 2.9%. A 3% muni bond yield is equivalent to a 4.3% gross yield if you have a 30% effective tax rate. A 4% gross yield has always been my post-work retirement target return.

Bond Market Outlook At Current Levels: 6/10. 1-2% downside, 3%-4% upside. When the 10-year yield was at 2.94%, I would give the bond market outlook a 8.5/10, but the yield has since come down.

Real Estate Market Outlook

One of the good things about global uncertainty is that investors seek the security of bonds, thereby lowering bond yields. With the 10-year bond yield coming off its highs, the real estate market may not get squeezed as hard as it could. That said, we are still ~45 basis points higher than we were in December 2017, so debt servicing is more expensive.

I continue to be very cautious about expensive coastal city real estate. Unless you are super bullish about your career prospects, have a massive liquidity event, have at least 30% of the value of the house you want to buy in cash (20% down, 10%+ cash buffer), or are starting a family plus at least one of the things I just mentioned, I would not be buying coastal city real estate, especially if you don’t plan to own the property for 10+ years.

See: It Feels A Lot Like 2007 Again: Reflections From The Previous Top Of The Market

Pricing pressure generally starts at the top and works its way down. Beware.

The risk reward for leveraging up at current valuations is unwise for the average person. Rents are falling in places like New York City, San Francisco, and Honolulu. With more supply in Seattle coming online than any other time in the past, Seattle rents are also starting to soften.

Please read BURL: The Real Estate Investing Rule To Follow, if you haven’t done so already.

If earnings fundamentals are important to you, as they should be, the price you decide to pay for your property should be equivalent to the price from the record month MINUS the rental price change since that time period. In other words, if you are planning to buy a 2-bedroom apartment in Honolulu this year, look up what the price of a comparable apartment was in January 2015 and subtract 25%. That price will give you a rough idea of where you should offer or counter offer.

Now is the time to be picky and negotiate, not be the foolish winner of a manic bidding war.

As for non-coastal city markets, they’ve got farther to run due to lower valuations and stronger demographic trends. That said, each market is different, and eventually, their waves will also crest. Focus on demographics because some places like Denver and Dallas have gone bonkers.

The stock market should give real estate investors some insight into the future. Look at sectors that are heavy in the city and state you want to buy and see how they are doing. Stocks reflect future earnings, and if earnings are at risk, so is job growth, wages, and housing demand.

Geo-arbitrage within the United States is going to be a multi-decade trend, which is why I’m investing in the heartland of America.

Housing Outlook For Expensive Coastal Cities: 3/10

Housing Outlook For Non-Coastal Cities: 7.5/10

Alternative Investments

Even though many investments are struggling in 2018 so far, there’s one investment that has struggled the most: cryptocurrencies! It was absolute carnage in the space. Names like Bitcoin, Ethereum, and Ripple are all down 50%+ for the quarter, so don’t feel bad if you’re down single digits in the stock market.

The collapse of cryptos is a great reminder to keep your alternative investment exposure limited to what you can afford to lose. For me, I keep all alternative exposure to no more than 10% of net worth.

One interesting note, I did have a long conversation about cryptos with a multi-billionaire a couple weeks ago who believes the crypto space will be completed diluted with an endless supply of new cryptos, partially because his company will easily enable all his customers to create their own.

Elsewhere, I was surprised to get a $2,623 payout from RealtyShares in February, since I’ve been modeling only ~$9,600 for the entire year in my 2018-2019 passive income estimates. I haven’t received any notification yet for March as it usually takes a couple weeks after month end to update, but I’ll update the chart once the numbers come out.

At the moment, investing $300,000 in real estate crowdfunding in December 2017 looks like the right choice. I’ve got a total of 17 different investments, the large majority of which I like. But it will take years to find out how well they do given all my investments are equity deals.

With the sale of my SF rental house and the sale of my private gin investment to Campari in 2017, I tried to keep my income as low as possible since the sales shoved me into a higher marginal tax rate before expenses. For 2018, I don’t expect to see another large windfall, hence I’m more open to earning more this year, especially since taxes have declined.

I’ll update this chart once March figures hit

Risk Control Is Paramount

You must go through your net worth asset allocation and do an honest assessment of your risk exposure. Do not be caught with your pants down at a highway rest stop. Predators come out. So long as you know how your money is being allocated and have a plan for what to do in different scenarios, you will go through life with much less financial stress.

As for me, I still feel good reducing ~$815,000 (mortgage) worth of risk exposure in 2017 and diversifying the house proceeds into various other investments. I’m actually considering selling my remaining SF rental given the last piece of avoidable stress in my life is dealing with a power-tripping HOA that has hired a terrible property manager as its minion. They hate landlords.

After verifying with my Personal Capital dashboard, I’ve got about $295,717 in cash left. It’s a little deceiving because $185,000 of the balance is from a CD which is coming due at the end of April. The CD was paying 3%, and I’m sad to see it go. At the same time, given asset prices are finally pulling back and interest rates have also moved up, the timing for reinvesting the proceeds is better.

Further, I’ve got to pay tens of thousands of dollars in extra taxes to support this great country of ours! Once I pay my tax bill I’m going to come up with a cash accumulation + investment game plan once again. This year is too tricky not to be on point.

Cash balance history since home sale

I’d love to hear your thoughts about the stock market, bond market, and real estate market. Would you be happy with a 3% – 4% return in 2018 given all that’s gone on so far? Please invest at your own risk. Every investment decision you make is yours to keep. Related: Things To Do Before Making A Single Investment

The post Financial Samurai 1Q2018 Investment Update And Outlook appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/financial-samurai-1q2018-investment-update-and-outlook/ via http://www.rssmix.com/

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