Tag Archives: briand davison tampa

Rolling Over Your 401K
One of our primary services at EquiAlt is handling rollover 401K accounts. The pension funds of your grandparents have given way to a newer type of workplace retirement account which is called a 401K. More formally, this is a defined-contribution pension account named after subsection 401K of the Internal Revenue Service Tax Code which establishes the tax rules on this type of accounts. Many employers offer a 401K retirement account. In most cases, you defer a portion of your current earnings until retirement and in return, your employer matches some portion of your contribution. Each year, a greater percentage of your retirement account becomes vested. This means that even if you separate from your employer, your contribution plus the vested amount of the employer’s contribution is yours to keep. You are allowed to move your account to another investment advisor, which is referred to as...
The Risk of Investing in Unimproved Land
This is sometimes dressed up for investors by calling it; ‘future value investing’ or ‘specific-demand collateral’ this is the highest risk Trust Deed investment available to investors.  The investment is technically secured (investors have a recorded Deed on land with an APN number) but for all practical purposes this is a speculation play and should be treated by all parties as such. In any non-cash flowing property Trust Deed opportunity; investors are recommended to underwrite to the payment ability and reserves of the actual individual borrower, market scarcity (speed to exit) and reasonable value – which is still a guess.  Investors will need to know substantially more about the person behind the loan as there is not any reasonable expectation typically for any cash flow on the property to support the debt (Deed of Trust).  Multiple personal guarantees are a normal part of this type of...