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Creating Wealth Real Estate Investing & Income Property

Updated 3 days ago

Business
Investing
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Over 1,200 content rich episodes, business and investing guru,with guests including Jim Cramer, Dave Ramsey, Harry Dent, & Suze Orman.

Read more

Over 1,200 content rich episodes, business and investing guru,with guests including Jim Cramer, Dave Ramsey, Harry Dent, & Suze Orman.

iTunes Ratings

44 Ratings
Average Ratings
38
3
2
0
1

Best real estate education

By FinancialMinion - Dec 26 2016
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There's no better wealth of real estate information anywhere! I love this show!!!

Always excellent

By Grobertoa - Nov 17 2016
Read more
Thanks for providing so much information to help real estate investors succeed.

iTunes Ratings

44 Ratings
Average Ratings
38
3
2
0
1

Best real estate education

By FinancialMinion - Dec 26 2016
Read more
There's no better wealth of real estate information anywhere! I love this show!!!

Always excellent

By Grobertoa - Nov 17 2016
Read more
Thanks for providing so much information to help real estate investors succeed.

Listen to:

Cover image of Creating Wealth Real Estate Investing & Income Property

Creating Wealth Real Estate Investing & Income Property

Updated 3 days ago

Read more

Over 1,200 content rich episodes, business and investing guru,with guests including Jim Cramer, Dave Ramsey, Harry Dent, & Suze Orman.

1133: Capital Control & 2 Ways to View Inflation with Dan Amerman, Part 2

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Jason Hartman starts off today with a look at ways that the government is trying to control capital by questioning transactions like his recent purchase of his home. Now they're requiring certain purchases by LLCs and Corporations to list their owners in a registry, which could serious harm your anonymity when protecting your assets.

Then Jason finishes his interview with Dan Amerman, CFA and author of books such as Mortgage Securities and Collateralized Mortgage Obligations: Unlock The Secrets Of Mortgage Derivatives, about the correlation between Fed actions and yield curves, how to look at inflation and self-liquidating debt.

Key Takeaways:

[3:50] There's a lot of capital control going on today

[7:52] 1984 and Brave New World are coming truer and truer

[11:58] Musical entertainment for Meet the Masters is about to be booked

Dan Amerman, Part 2

[18:29] Certain Fed actions and yield curve inversions seem to have a correlation

[22:03] The 2 ways to look at inflation

[25:25] The self-liquidating debt

Website:

www.DanielAmerman.com

Mar 14 2019

33mins

Play

1258: BRRR Method, Manufactured Homes, Self-Management & Future Expectations

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Jason Hartman talks with 2 investment counselors in today's episode. First he talks with Adam to discuss the popular BRRR investment model (Buy, Renovate, Rent, Refinance) and why manufactured homes have a bad reputation and why that needs to change.

Then Jason talks with investment counselor Doug about the importance of future expectations when looking at any market, including the real estate market. Just like in the stock market, future expectations drive a lot of value for real estate, especially in cyclical markets. The second half of this conversation will air tomorrow.

Key Takeaways:

[4:13] BRRR proponents don't ever tell you about their tax liabilities or their hunt for a deal

[8:05] We should look upon manufactured homes a lot better than we do right now

[10:43] The online housing kits are currently way more expensive than they pretend to be

[14:38] Doug's experience using Cozy so far

[19:26] You make money in life by adding value

[23:39] When you take the manager out of the equation you can just the property on the property alone

[26:08] The importance of future expectations

[29:53] When expectations decrease it's not just a little drop, it's a spiral

Website:

www.JasonHartman.com/Properties

Aug 14 2019

34mins

Play

1285: Wealth and Justice, The Morality of Democratic Capitalism by Peter Wehner

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Jason Hartman talks with Peter Wehner, author of Wealth and Justice: The Morality of Democratic Capitalism and Vice President & Senior Fellow at the Ethics & Public Policy Center, about what attacks are currently being done against democratic capitalism and what we can do about them as a society. The two also explore the potential ramifications for capitalism being done by President Trump.

Key Takeaways:

[4:35] Is Democratic Capitalism the most moral system out there?

[7:04] Capitalism correctly accounts for human nature

[10:25] The ideas of Karl Marx have been probably the most consequential in economic history

[13:38] The idea that the government has the moral high ground

[16:55] What does Peter mean with the saying "The death of politics"?

[20:41] Peter's concern about Trump's policies

[28:48] What is The Death of Politics about?

Website:

Ethics & Public Policy Center

Wealth and Justice: The Morality of Democratic Capitalism

Sep 20 2019

32mins

Play

1243: Jacksonville, FL Market Analysis from 2019 Meet the Masters

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Today's episode is a live speech from the 2019 Meet the Masters of Income Property event. Hear the local market specialist discuss why he got into the Florida markets and how he's making properties work in the market. New construction and short-term rentals can work, if you do it right.

Key Takeaways:

[6:45] Some of Jacksonville's economic rankings

[9:42] New construction has been the main focus in the market

[12:55] The different models available

[20:48] The average construction time is about 6-8 months, but you don't need a construction loan

Website:

www.JasonHartman.com/Properties

Jul 24 2019

30mins

Play

1107: Year in Review, Year in Preview & January's Mortage Update

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Jason Hartman talks with in house economist Thomas about a lot of things that happened to the housing market and the economy in general during 2018. They also look at some trends that will continue into 2019 and some new trends that could be rising in the new year.

To round out the show, Adam has this month's Mortgage Update, discussing the Fed's recent decision to raise rates, what rates investors can get for their loans today, and what the Fed's strategy might be moving forward.

Key Takeaways:

[3:14] Has the rise of Airbnb impacted the high end rental market?

[6:07] Thomas' assessment of 2018

[10:16] $5 trillion of wealth has evaporated but Thomas doesn't think it's enough to trigger a recession

[13:44] The 3 presidents who presided over the most rate hikes

[15:40] One sentence to remember about 2018.

[18:04] What should we expect from the Fed in 2019?

[22:50] The credit spread between junk bonds and investment grade bonds are still in a healthy area

[24:45] January Mortgage Update with Adam

[29:30] Activity in MBS suggests mortgage rates may improve

[32:15] The Fed has rapidly raised rates so that they can taper rates if they slow the economy down too much

Website:

www.JasonHartman.com/Properties

Jason Hartman's Alexa Flash Briefing

The PropertyCast

Mar 01 2019

38mins

Play

1213: Marc Faber, The Gloom, Boom & Doom Report

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Jason Hartman talks with Marc Faber, editor at Gloom, Boom & Doom Report, about what's going on in our economy with the massive asset inflation that's hit in the past few years. The two examine what central banks will have to do in order to deal with the looming shortages and what investments can buck that trend when it arises.

Key Takeaways:

[5:03] Asset inflation is making the rich richer and leaving the poor and middle class behind

[11:10] Will millennials get bailed out by their inheritance from their Baby Boomer parents?

[14:25] The 2 investments that will appreciate in a global downturn

[16:17] 2 ways central banks can print money

[20:49] Inflationary actions can kick the can down the road a long way, but there is one thing that can ruin the party

[22:12] There's now a Saturday episode of Creating Wealth dedicated to Guided Visualization

Website:

www.GloomBoomDoom.com

Jun 12 2019

26mins

Play

1189: Artificially Low Interest Rates, the Next Recession & Investment Income

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Jason Hartman wraps up his talk with Drew from yesterday, as the two leave the topic of self-management and delve into more economic lines of conversation. Jason brings up a recent Peter Schiff tweet and the two dissect whether it holds water in today's environment, as well as discussing how articially low interest rates are impacting the investing landscape we see today. They also discuss a different way to look at the rents you're collecting from your tenants in a way that makes it even more powerful than it looks at first glance.

Key Takeaways:

[3:01] If falling consumer prices have been good for the last 100 years, why does the Fed think they're bad now?

[6:25] The artificially low interest rates are encouraging bad investments

[10:24] Who's going to get hit hardest in the next recession?

[14:10] Targeted advertising is keeping us from seeing a large chunk of the world today

[19:54] It's important to hold yourself accountable the same way you hold your tenants accountable when dealing with your investment properties

[23:57] Your tenants are working 33-40% of their work life just to pay you

Website:

www.JasonHartman.com/Properties

May 09 2019

30mins

Play

1297: Portfolio Reviews, Cash Out Refis & HELOCs

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Jason Hartman and Investment Counselor Sara talk about some of the issues that clients are dealing with and considering in today's episode. With rates as low as they've been in years and the ability to refinance or get a line of credit at reasonable rates, what is an investor to do?

Key Takeaways:

[3:40] Non-refi interest rate reductions are happening, so don't be afraid to ask

[7:31] Refi a 30 year fixed rate or do a HELOC?

[12:17] A look back at "Go Zones" and what some of the problems were

[21:35] The current investor vibe

Website:

www.JasonHartmanLive.com www.JasonHartman.com/Properties

Oct 08 2019

25mins

Play

1337: Mortgage Rates, Interest Rates, Short-Term Rental Laws & Housing Starts

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Jason Hartman and investment counselor Adam begin today's show discussing two important things for a real estate investor: laws and the future. First off is good news for those investors that are fighting laws that restrict the ability of property owners to run short-term rentals. Then Jason and Adam discuss some good housing news that could lead to a happy 2020 (at least for housing).

Then Jason talks to in-house economist Thomas about interest rates. There's been some movement up and some movement down, but Thomas has an opinion on where he thinks rates will go in 2020 and why he believes that.

Key Takeaways:

[4:17] The City of Austin lost a key case regarding short-term rental laws

[9:41] Make sure that you're not investing in a mania when you're looking at short-term rentals, and make sure your portfolio balance reflects that

[11:39] There's pre-demand in the housing market right now, which is a good sign for housing in 2020

Jason & Thomas:

[17:10] The Fed only indirectly influences mortgage rtes

[19:09] Why Thomas believes mortgage rates will go up in 2020

[21:20] The 2 Central Bank forces that will push inflation back up

[23:47] Why a $315 billion drop in money supply is important even though it's not much of a percentage of worldwide supply

Website:

www.JasonHartman.com/Properties www.JasonHartman.com/Ask

Dec 03 2019

27mins

Play

1143: Housing Bubbles & Creative Self Directed IRA Solutions, Edwin Kelly

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Jason Hartman begins today's show discussing some of the cyclical markets that have seen their housing bubble burst, as well as some non-cyclical markets that could be in danger of the same thing. One of them, Colombus, surprised him.

Then Jason talks with Edwin Kelly, founder & CEO of Specialized IRA Services, about some of the creative ways you can use your self-directed IRA to invest in non-stock market related assets. Edwin provides several case studies that show the power of self directing, as well as his "Triple D" process to help you on your way.

Key Takeaways:

[5:01] Cyclical markets have seen their housing bubbles burst and now it's starting to spread to other cities

[7:16] People buy homes based on payments, not total price.

[11:07] Colombus, OH is on the list of potentially being at risk of a bubble burst

Edwin Kelly Interview:

[15:07] What is a Self Directed IRA and what kind of assets can you use them for?

[17:56] Some unique strategies people are using in their IRAs

[20:28] Borrowing against your solo 401k as a strategy

[25:57] The Triple D process of Self Directed investing

[27:47] The costs of using self directed funds

Website:

www.SpecializedIRAServices.com

Mar 19 2019

34mins

Play

1327: Taxes, Landlord Law & Opportunity Zones by Steve Glickman, Chief Architect

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Jason Hartman and real estate attorney Bob start today's show discussing the importance of taxes and how they can seriously impact your real estate investing journey throughout your life. They also discuss what makes a good investor and the direction of law when it comes to real estate.

Then Jason talks with Steve Glickman, Senior Economic Advisor to President Barack Obama and chief architect of the Opportunity Zone project, about how the Opportunity Zone system works, the definition of an Opportunity Zone and what benefits the program provides for real estate investors.

Key Takeaways:

[4:33] The multiplier effect of moving to a place where your money is treated better

[9:37] Jason's prediction for the next thing landlords will be held accountable for under the law

[15:50] What good, talented lawyers for commercial properties always do

[19:18] Good investors act, but only because the deal is good, not because they have the money

[23:27] Taxes are like reverse amortization

[26:02] High taxes encourage bad investments

Steve Glickman Interview:

[28:14] There are now 8.766 Opportunity Zones across the US

[32:31] There are about 300 Opportunity Zone funds targeting $65 billion and have raised about 15% so far. How big is this expected to get?

[35:28] The 2 big factors in why zone based programs become unsuccessful

[37:16] What is the Opportunity Zone program?

[40:23] Will Opportunity Zones exacerbate gentrification?

Website:

www.Lighthouse.one

www.JasonHartman.com/Properties

Nov 19 2019

46mins

Play

CW 1083 - Self-Management Mistakes, A Strong Economy & Mortgage FAQs

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Today's episode starts off with Jason Hartman, in the car, back from Hawaii. He tackles the average length an American stays on the job these days, how technology is changing our buying habits, and starts answering some mortgage FAQs he's been getting lately.

Then Jason talks with client Drew about a mistake he made in self-management that shifted his views on contracts, as well as exploring dividend stocks and the economic disaster that is Argentina currently.

Key Takeaways:

[6:46] Digital camera shipments are down 80% thanks to smartphones

[8:20] Mortgage FAQ #1- Can you finance more than 10 properties?

[9:43] You only need a 620 to finance your first 6 properties, then a 720 for properties 7-10

Drew Baker Interview:

[13:18] A mistake Drew made that made him realize it's important not to deviate from the contract

[17:32] Love or hate Trump, he's been good for the economy

[21:50] Dividends may sound great, but they're not the most stable

[27:05] The currency of today is just getting in front of people

[31:30] Argentina has an economic disaster every 10 years

Website:

www.JasonHartman.com/Properties

Feb 17 2019

38mins

Play

1187: China's Dangerous Fake Economy & May's Mortgage Update

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Jason Hartman takes today's show to go over his thoughts on J. Kyle Bass's speech from the recent CPDC Conference about China. As the second largest economy in the world, China carries a lot of weight, claiming to have around 15% of the world's GDP. But a closer look at the numbers gives us a sense that it might not actually be true. There are dangers lurking in the China economy that could lead to some bad events.

Then Adam talks with Graham, one of the mortgage lenders with the network, about what interest rates investors can be expecting this month.

Key Takeaways:

[3:13] China claims to have 15% of the world's GDP, but there's little to prove that's true

[5:49] Jason used to listen to the doomsayers, but it's not going to happen with such a demand for dollars

[9:47] Endowments don't invest in the greatest things, but it's not a problem that should be that difficult to solve

[16:12] The dangers present in China in their banking sector

[19:16] Hong Kong is the most expensive real estate in the world, at $10,000 per square foot

Adam's Mortgage Update:

[23:43] We're seeing investment mortgage rates in the low-mid 5s

[27:05] What will happen if the Fed decides to cut rates this year?

Website:

www.JasonHartman.com/Properties

J Kyle Bass's Speec at CPDC Conference

May 07 2019

30mins

Play

CW 1072 FBF - Remote Self-Management, Expert Panel

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Today's Flash Back Friday comes from Episode 729, originally published in September 2016.

Today's panel is discussing self-management options for your income properties. The experts agree, a great property management company is worth their weight in gold but it is also important to be educated about your self-management options. The panel shares information about companies who use technology to save you time and money through automating tedious tasks, best practices to improve home interiors without spending a fortune and what types of tenants are the best types of tenants to have.

Website:

www.JasonHartman.com/Properties www.JasonHartman.com/Masters

Feb 12 2019

56mins

Play

1338: Leading v Lagging Indicators, Housing Starts, Business Migration

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Jason Hartman begins today's show with a little good news and a little bad news. Along with that Jason explores the idea of seeing the world in black and white and how getting older helps with that.

Then Jason finishes his interview with Ali Wolf, Director of Economic Research at Meyers Research, LLC., regarding what indicators you can expect to be leading and which are likely to be lagging. Some that seem like they could be leading are actually usually lagging and can hurt you if you invest off of them. Ali explains some ways she's been able to potentially see a downturn coming up to 3 years off.

Key Takeaways:

[9:05] Bad news: More and more businesses are fleeing California

[10:20] Good news: homes are finally getting built

Ali Wolf, Part 3

[12:56] Consumer confidence, GDP and Non-Farm Payrolls are examples of lagging indicators

[17:21] Potential leading indicators that can forecast a downturn years ahead

Website:

www.MeyersResearchLLC.com www.JasonHartman.com/Properties

Dec 04 2019

22mins

Play

1162: What Every Real Estate Investor Needs to Know About Cash Flow

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Jason Hartman talks today with Frank Gallinelli, founder and President of Real Data and author of the book What Every Real Estate Investor Needs to Know About Cash Flow & 36 Other Key Financial Measures, about what metrics Frank finds the most important for single family home investors to pay attention to. They also discuss the "holy grail" metric that investors should be using and when you actually SHOULDN'T invest in real estate.

Key Takeaways:

[4:30] One of the costliest mistakes Jason has made in his life

Frank Gallinelli Interview:

[6:23] What are the core metrics that real estate investors should be looking at?

[11:09] You should try and forecast best case, worst case, and in-between case for your properties

[12:32] What is discounted cash flow?

[15:07] The holy grail metric is still IRR (Internal Rate of Return)

[16:56] A different way to view Return on Equity

[20:29] Is there a time where it doesn't make sense to acquire properties?

[26:14] Education is absolutely vital to being a good investor

Website:

www.JasonHartman.com/Cruise www.RealData.com www.VentureAllianceMastermind.com

Apr 02 2019

31mins

Play

CW 1070: Pruning Your Portfolio & Character & Grit by Angela Duckworth

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Jason Hartman starts today's episode with his friend Matt Andrews, as the two discuss why they enjoy real estate and how they discover new ways to produce profit in their real estate deals, as well as the need for you to prune your portfolio.

Then, for his 10th episode, Jason talks with Angela Duckworth, Founder & CEO of Character Lab, former advisor to the White House, World Bank, NBA & NFL teams, and author of the new book Grit: The Power of Passion and Perseverance. The two delve into what character and grit are and the steps you can take to improve yours.

Key Takeaways:

[3:21] The practice of "pruning"

[7:06] As you progress along your real estate journey you'll continue to find ways to profit on your deals.

Angela Duckworth Interview:

[9:57] Are we in a crisis of character moment in history?

[13:37] Is character an absolute or constantly in flux?

[18:57] One reason why the wicked don't prosper

[21:31] What is grit and how do you develop it?

[24:53] If you want to be different, be consistent

[28:54] The steps to becoming gritty

Website:

www.CharacterLab.org www.AngelaDuckworth.com

Feb 10 2019

35mins

Play

1152: Fleeing High Tax States & Client Case Study: Ira Boyd, 13 Properties

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Jason Hartman and Adam start today's episode discussing how people who are fleeing high tax areas are getting audited by their original state to ensure that they have actually left. The ways they have to track you now are such that faking it will get you caught, and it's just not worth it. Make it a plan to leave and move to a no income tax state and do it!

Then Jason talks with client Ira Boyd about his journey in real estate investing. Ira started off purchasing properties on his own, with some success but not as much as he'd hoped. After he found Jason's network, however, he's gotten in much better properties and is up to 12 investment properties and his personal residence. Ira discusses how live events aided his journey, where he sees his future in real estate investing, and what areas he thinks he needs to work on.

Key Takeaways:

[6:49] States creating an economic Berlin Wall

Ira Boyd Client Case Study:

[16:28] It's almost better not to see the property, because then you're buying based on intellect and not emotion

[19:46] Meet the Masters gave Ira the traction he needed to start investing through Jason's network

[22:57] Ira can't stress enough how much you need to go to an event and how helpful it will be

[27:24] Ira's plan for his portfolio

[31:20] Ira's policy on rent increases needs work

Website:

www.JasonHartman.com/Properties

Book Your Time to Do a Client Case Study!

Mar 24 2019

39mins

Play

1127: 2019 Investment Outlook, Gentrification, Opportunity Zone Hype

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Jason Hartman talks with NeighborhoodScout's Founder & CEO, Andrew Schiller, about his company's predictions for the hottest appreciating markets in the US for 2019. Andrew lists the top 10 markets expected to appreciate as well as how to identify an area that's poised to make a turnaround.

Key Takeaways:

[7:33] National numbers are all well and good, but they don't really matter near as much as local numbers

[9:03] Some of the hottest forecasted appreciation markets in 2019

[12:45] How big are Census Tracts and Micro Neighborhoods?

[17:05] What factors makes a neighborhood turn around?

[21:10] Property crimes are much less an impediment to property values as violent crime

[26:43] How do you use Neighborhood Scout to figure out if a neighborhood is turning around?

Website:

www.JasonHartman.com/Masters www.NeighborhoodScout.com

Mar 11 2019

31mins

Play

1177: Self-Management, Pooled Assets & Time-Wealthy Investor

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Jason Hartman and Adam start today's episode answering a listener's question about whether it's better to invest in a single-family home or to look at larger, pooled assets like a 16+ door multifamily. Jason reminds everyone about Commandment #3, which is especially critical in decisions like these.

Then Jason talks with Mark Dolfini, Landlord Coach and author of The Time Wealthy-Investor, about best practices for self-managing your properties. Mark discusses the importance of treating your investments as a business and how to create a healthy distance between yourself and your tenants.

Key Takeaways:

[7:05] Single family homes tend to get better tenants, appreciate better, get better financing options and several other perks over multifamily

[10:14] The risks of investing in pooled assets. Don't violate Commandment #3!

[12:20] RV ratios for apartments will be higher because of shared walls, but don't let that be your determining factors between the 2.

Mark Dolfini Interview:

[14:53] You have to think of your real estate investments as a business

[17:34] A simple tweak to keep from giving your cell phone number to your tenants

[22:33] Whatever you're doing, it has to be scaleable

[28:07] The software Mark likes to use

Website:

www.LandlordCoach.com www.NTNOnline.com www.IVAA.org www.CCMyAdmin.com

Apr 23 2019

37mins

Play

1346 FBF: Home Inpsections, Financial Repression & Tax Refugees with Kerry Lutz

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Today's Flash Back Friday comes from Episode 1009, originally published in June 2018.

Jason Hartman talks with Financial Survival Network's founder Kerry Lutz for the whole episode today, as the two discuss the very important concept of financial repression. While financial repression is bad for individuals, it can be very lucrative for people who have invested in real estate properly in their younger years.

The two also discuss the current phenomenon of "tax refugees" being created by states like California, and where these refugees are fleeing too, as well as when they expect any economic pullback to happen and what Trump is doing that the mainstream media isn't paying attention to.

Key Takeaways:

[6:03] Make sure you get a home inspection and make sure you actually read it and learn the language

[9:211] What is financial repression?

[13:09] Financial repression is a great opportunity for those who invest in real estate

[16:45] Tracking the "tax refugees" leaving California

[23:16] What kind of economic outlooks has Kerry been hearing from the guests on the Financial Survival Network?

[27:14] The mainstream media is missing the fact that Trump is now making large chunks of the government irrelevant

Websites:

www.JasonHartman.com/Properties www.FinancialSurvivalNetwork.com

Dec 14 2019

35mins

Play

1345: CapEx, 1031 Exchanges & Homebuyers Getting Older

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Jason Hartman and investment counselor Adam explore the phenomenon of aging homebuyers in this episode before getting to some listener questions. Since the Great Recession the average age of homebuyers has skyrocketed into the upper 40s, about a decade older than it was before. Adam and Jason explore the reasons behind this shift and what it could mean for investors moving forward.

Then Jason and Adam answer 2 listener questions, one about Capital Expenditures and one about when NOT to do a 1031 Tax Deferred Exchange.

Key Takeaways:

[4:16] The median age of homebuyers is now 47

[7:30] The downside of home ownership in this digital nomad society

[12:06] The history of homebuyer ages

[17:37] Are big CapEx like roofs and HVAC included in the pro forma maintenance percentages?

[21:12] Always ask for a Scope of Work prior to entering into a contract

[23:16] When shouldn't you do a 1031 Exchange?

[27:56] A property profile in Indiana

Website:

www.JasonHartman.com/Properties

Dec 13 2019

31mins

Play

1344: What's Next in the Economy & Repo Market with George Gammon

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Jason Hartman talks with George Gammon, real estate investor, entrepreneur, investor and TV producer, about what's happening in the repo market and how that impacts the overall economy moving forward. The two address misconceptions about several aspects of investing and whether you should be happy or dismayed about certain aspects of the new Trump tax plan.

Key Takeaways:

[3:50] Our longevity is going to be greatly changed in the next 20 years

George Gammon Interview:

[10:50] What is the repo market and why does it matter in the macroeconomic world?

[16:30] Money market funds are big players in the repo market

[19:05] The only "cheap" investment in today's economy is a 30 year fixed rate mortgage

[23:05] The new tax law has changed the way inflation is dealt with, and George doesn't think it'll be good long term

Website:

www.YouTube.com/GeorgeGammon www.Twitter.com/GeorgeGammon

Dec 12 2019

32mins

Play

1343: Paul Volcker's Legacy & Thomas W Jones, Federal Reserve Bank, Freddie Mac

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Paul Volcker, former head of the Federal Reserve, passed away December 8. Jason Hartman takes a look back at some of the biggest moments of Volcker's term and what it meant for the United States.

Then Jason talks with Thomas Jones, former vice chairman and director of TIAA-CREF, former Chairman and Chief Executive Officer of Global Investment Management at Citigroup, and former Chairman and Chief Executive Officer of Citigroup Asset Management. He was also the former Vice Chairman of Federal Reserve Bank of New York. Jason and Thomas discuss Thomas' entrance into real estate, why Thomas is so bullish on America long term, and what sets America apart from the rest of the world.

Key Takeaways:

[3:47] Paul Volcker, the former Fed chair credited with "Breaking the back of inflation" has passed away

[6:04] Interest rates in 1980 spiked at over 18%, with inflation at 13%

Thomas W Jones Interview:

[11:50] Thomas and his bride actually started by bidding on 2 burned out buildings in Boston

[17:08] Thomas is perennially bullish long term, so dips in the economy are buying opportunities for him

[19:21] The changes on Wall Street over the years

[23:30] The most disappointing aspect to the reforms that have been made since the Great Recession

[28:39] One of the things that really sets America apart is the excited entrepreneurial spirit

[32:55] America faced a metaphorical crossroads in the late 1960s

[35:44] Our nation doesn't give itself enough credit for how far we've come, even though we still have a ways to go

Website:

www.JasonHartman.com/Ask

From Willard Straight to Wall Street

Dec 11 2019

38mins

Play

1342: Maintaining Control & Learning From the Fall of Enron

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Today's episode is Jason Hartman exploring Commandment #3: Thou Shalt Maintain Control a lot deeper. Maintaining control in real estate deals has been discussed quite a bit before, but it's not just real estate where control matters. Jason explores the collapse of Enron and why it was such a surprise and why Commandment #3 is crucial even in those scenarios.

Key Takeaways:

[4:03] Airbnb hasn't been through a recession yet, so there's a lot that isn't priced in to the market

[8:06] The 3 major problems when you give up control in an investment

[13:54] The Infographics Show: The Business Deception That Cost $60 Billion

[16:59] The phrase "financial innovation" is a red flag when you hear it

[23:05] Most companies don't have people inside to pump the brakes, because everyone is incentivized to speak highly and show it in the best possible light

[25:26] Derivatives are the thing about the thing, but as an investor you want to be as close to the "thing" as possible

Website:

www.JasonHartman.com/Ask

Jason Hartman Quick Start Podcast

The Infographics Show: The Business Deception That Cost $60 Billion

Dec 10 2019

33mins

Play

1341 FBF: Portfolio Makeovers & Provider Hall of Shame with Muthiah

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Today's Flash Back Friday comes from Episode 997, originally published in May 2018.

Jason Hartman starts off the show with client Doug about portfolio makeovers, why you should stay in the game for the long run, and the fallacy of the passive investment. Doug got out of the real estate business just before the (positive) market correction and missed out on a lot of money.

Then, Jason finishes his client case study with Muthiah. This time the two look at the actual process of Muthiah filing a claim against a bad provider and how he was about to get restitution after some avenues had failed. Jason also explains how to get a hold of his Hall of Shame resource list, and why you should file complaints even if they're not likely to help you alone.

Key Takeaways:

[5:05] There's no such thing as a passive investment, but there are some things that are easier

[9:16] If you do the math properly, real estate versus the stock market isn't even a competition

[12:15] The problem with being too passive is you don't learn from your successes or failures

Muthiah Client Casey Study, Part 2

[20:00] Muthiah has never tried to self manage his current 20 properties

[23:00] Want Jason Hartman's Hall of Shame resource list? Fill out any form on JasonHartman.com

[25:18] Muthiah's process of filing complaints against the provider

[29:48] You're not just filing these complaints for yourself, it's your duty to protect other people

Website:

www.JasonHartman.com/Properties

Dec 07 2019

36mins

Play

1340: Think & Grow Rich by Napoleon Hill & Success & Something Greater

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Jason Hartman takes a deep, deep dive into Napoleon Hill's work in today's show. We first start off dissecting the ideas that Napoleon brought out in his work Think & Grow Rich. Jason looks at various aspects of the book and how we can use them in our lives today and what power they have when used properly.

Then Jason talks with Sharon Lechter, former CEO of Rich Dad & Pay Yourself First and author of Success & Something Greater: Your Magic Key, about her experiences with both the Rich Dad company and the Napoleon Hill Foundation. Sharon provides unique insights into the impact both organizations have had on society today, as well as what she has discovered success means for various people.

Key Takeaways:

[5:55] There's a lot more fulfillment in life available if we are not completely attached to the outcome

[10:22] Specialized knowledge has long been a must for true success

[14:49] The power of the mastermind is real and incredible

Sharon Lechter Interview:

[20:45] Napoleon Hill one of the original self-help authors?

[25:00] The different types of success Sharon saw while writing her latest book

[27:21] Why the man who sold the patent for the jet ski for $75,000 doesn't regret it

Website:

www.SharonLechter.com

Success and Something Greater: Your Magic Key

www.JasonHartman.com/Ask

Dec 06 2019

35mins

Play

1339: P/PC Balance, Taking Action & 3 Forms of Power

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Jason Hartman begins today's show discussing something he has been promising for a while, which is the P vs PC balance. You can't go full P(production) or full PC (production capacity), you have to find a balance. Just like, as investors, we have to find a balance between action and education.

Then we have a clip from one of Jason's speeches at Profits in Paradise where he discusses the 3 forms of power.

Key Takeaways:

[2:55] Social mobility is still possible but it's harder than ever before

[5:49] A clip from the Amazon documentary "Park Avenue: Money, Power and the American Dream"

[13:31] The P vs PC balance

[19:25] Quit getting ready and go

Profits in Paradise Live Clip:

[24:04] The 3 forms of power

[30:56] Think of ways you can use technology to improve your real estate business

Website:

www.JasonHartman.com/Properties

Dec 05 2019

35mins

Play

1338: Leading v Lagging Indicators, Housing Starts, Business Migration

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Jason Hartman begins today's show with a little good news and a little bad news. Along with that Jason explores the idea of seeing the world in black and white and how getting older helps with that.

Then Jason finishes his interview with Ali Wolf, Director of Economic Research at Meyers Research, LLC., regarding what indicators you can expect to be leading and which are likely to be lagging. Some that seem like they could be leading are actually usually lagging and can hurt you if you invest off of them. Ali explains some ways she's been able to potentially see a downturn coming up to 3 years off.

Key Takeaways:

[9:05] Bad news: More and more businesses are fleeing California

[10:20] Good news: homes are finally getting built

Ali Wolf, Part 3

[12:56] Consumer confidence, GDP and Non-Farm Payrolls are examples of lagging indicators

[17:21] Potential leading indicators that can forecast a downturn years ahead

Website:

www.MeyersResearchLLC.com www.JasonHartman.com/Properties

Dec 04 2019

22mins

Play

1337: Mortgage Rates, Interest Rates, Short-Term Rental Laws & Housing Starts

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Jason Hartman and investment counselor Adam begin today's show discussing two important things for a real estate investor: laws and the future. First off is good news for those investors that are fighting laws that restrict the ability of property owners to run short-term rentals. Then Jason and Adam discuss some good housing news that could lead to a happy 2020 (at least for housing).

Then Jason talks to in-house economist Thomas about interest rates. There's been some movement up and some movement down, but Thomas has an opinion on where he thinks rates will go in 2020 and why he believes that.

Key Takeaways:

[4:17] The City of Austin lost a key case regarding short-term rental laws

[9:41] Make sure that you're not investing in a mania when you're looking at short-term rentals, and make sure your portfolio balance reflects that

[11:39] There's pre-demand in the housing market right now, which is a good sign for housing in 2020

Jason & Thomas:

[17:10] The Fed only indirectly influences mortgage rtes

[19:09] Why Thomas believes mortgage rates will go up in 2020

[21:20] The 2 Central Bank forces that will push inflation back up

[23:47] Why a $315 billion drop in money supply is important even though it's not much of a percentage of worldwide supply

Website:

www.JasonHartman.com/Properties www.JasonHartman.com/Ask

Dec 03 2019

27mins

Play

1336 FBF: Self Management Revolution & Fixing Affordable Housing

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Today's Flash Back Friday comes from Episode 994, originally published in May 2018.

Jason Hartman wants to prepare you for the coming revolution. The self management revolution is coming, and it's time to see if you're up for the challenge. There are things that you need to do before you take the plunge, and Jason outlines some of them here.

Then, Jason talks with CEO of the NHP Foundation, Richard Burns, about the affordable housing crisis in the United States. The current method of creating affordable housing isn't working for anyone, but Richard thinks there's a way that it can be solved that benefits all parties.

Key Takeaways:

[2:34] The coming revolution of self-management

[5:36] Drew's first taste of self-management

[7:45] Some steps to take before going full self-management

[11:09] Freddie Mac's new program

[15:23] Join Jason for his events in Philadelphia and New York, www.JasonHartman.com/Events

Richard Burns Interview:

[17:45] What solutions are available for affordable housing?

[20:38] The two components of real estates value

[22:20] We are nowhere near meeting the affordable housing demand, so what do we do?

[26:17] Where did the high paying, real careers go that made people end up in careers that were meant to be stop-gap jobs?

[28:25] What does Richard's non-profit do?

[31:59] Richard's thoughts on rent control

[33:51] What the Baby Boomer survey showed

Website:

www.NHPFoundation.org

Nov 30 2019

38mins

Play

1335: Giving Thanks for What We Have & 5 Things You Should Be Grateful For Today

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On this Thanksgiving Day, Jason makes note on some things he has in his life that he is most thankful for. It's important that we take time to make note of these in our hectic lives. So in today's shortened episode that's exactly what we're doing.

Website:

www.JasonHartman.com

5 Things You Should Be Grateful For Today!

Nov 29 2019

15mins

Play

1334: Mortgage Rates, Fannie Mae Loan Limits & Increasing Property Values

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Jason Hartman and Adam join forces today to discuss a big development in the mortgage market. Fannie Mae/Freddie Mac conforming loan limits are being increased again, this time to over $510,000, which will have substantial impacts on the housing market overall.

Later, Adam talks with one of the network lenders about where interest rates are today and what a weakening economy in 2020 might put them in a few months.

Key Takeaways:

[2:11] Fannie Mae and Freddie Mac are increasing the conforming loan size to over $510,000

[7:03] Conforming loan limit increases generally lead to home price inflation

[10:54] The higher loan limit might impact hybrid markets more than cyclical

[14:57] Insights from Voxer messages left by listeners

[18:33] Technology is increasing the value of our properties

Adam Mortgage Minutes:

[24:57] Current rates for a $100,000 property with 20 or 25% down

[28:22] How might rates react if we see weakening in the economy that some are predicting in 2020?

[30:08] Mortgage starts don't seem to be slowing down for investors

Website:

www.JasonHartman.com/Properties

Nov 28 2019

34mins

Play

1333: Client Case Study with Jaden Zubal: New Construction vs Renovated Homes

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Jason Hartman has another client case study, this time with 26 year old Jaden Zubal, an associate wealth strategist at Paradigm Life. Jaden started attending events when he was 22 or 23 and recently got into the real estate game by purchasing properties in Jacksonville, FL and Memphis, TN.

Jason and Jaden discuss how Jaden decided that new construction was the way for him, what market he likes for his next as he diversifies geographically, and how the 10 Commandments of Real Estate Investing have helped him along the way.

Plus, check out the link below and you can get a free audio and digital copy of Heads I Win, Tails You Lose by Pat Donohoe, as well as a complimentary consultation with Jaden.

Key Takeaways:

[2:45] Good news for Texas property owners

[4:42] Housing inventory is even worse than we thought

[7:43] The average home listing price in America is $312,000

Jaden Zubal Client Case Study:

[10:31] Jaden attended his first Meet the Masters in her early 20s

[13:33] Which of Jason's commandments Jaden has found most useful in his investing journey

[16:24] The 2 things Jason believes Maslow left out of his hierarchy of needs

[18:50] The first 2 tiers of safely growing your money and keeping it protected

[23:46] Student loan debt is creating a generation of people feeling pessimistic about their financial future, so what's going to come of them?

[26:08] One of the separating elements of Jason's network is the value of the investment counselor

[30:12] What changed Jaden's mindset on new properties vs renovated

Website:

www.ParadigmLife.net/Jaden

jzubal@paradigmlife.net

www.JasonHartman.com/Properties

Nov 27 2019

36mins

Play

1332: FICO Scores, Florida Real Estate & Population Migration

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Jason Hartman and Investment Counselor Doug takes today's episode to discuss what's going on with the average FICO score across generations. The average FICO score is not something that Americans can be proud of, but it provides some serious advantages to real estate investors.

Then Jason and Doug highlight several Florida properties that are able to cash flow with new construction, which is something that is getting harder and harder to do in today's environment. Florida is becoming a bigger draw to those running away from high tax states, which is driving their real estate market.

Key Takeaways:

[2:55] FICO scores are low across all generations

[6:18] You want a good credit score, not a perfect credit score

[10:40] Real estate takes about 8% in transaction costs

[16:05] Doug spotlights a Florida property

[19:43] Blogcast: How does inflation devour debt?

[23:39] Migration of residents will cause a shift in ownership in the old areas

[26:47] Real estate markets tend to expand and contract from the top

Website:

www.JasonHartman.com/Properties

Nov 26 2019

33mins

Play

1331 FBF: Core Causes of Economic Crisis with William D. Cohan, House of Cards

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Today's Flash Back Friday comes from Episode 243, originally published in February 2012.

Jason Hartman interviews author, former Wall Street senior banker, and best-selling investigative journalist, William (Bill) D. Cohan on the events that led up to the current economic crisis. Bill explains the choices that the big firms, such as Goldman Sachs, JP Morgan, etc, made regarding what type of institution they were going to be, the path of these firms that led up to the current crisis, and how they used the bailout money gifted to them. He said it was one big party on Wall Street, during which brokers were to bring in revenue using a lot of whacky products, until everything came crashing down. Huge bonuses were paid out from the revenue collected from unsuspecting clients.

Bill and Jason also discuss the Occupy Wall Street Movement. Bill expressed disappointment in the message of the movement, saying it isn’t clear and they need to learn how Wall Street really works so that they can be more effective in bringing about reform. Wall Street has been influencing what goes on in Washington and paying lobbyists and donating to congressional coffers so that they can get the regulations, or lack thereof, that they want, i.e. the Dodd-Frank Wall Street Reform and Consumer Protection Act. Bill talks about how the expansion of Wall Street into Middle Class America was not an accident, using the example of Merrill Lynch being a public company. 

To solve the problems, Bill suggests changing the incentive system on Wall Street, in that it can no longer be okay to take huge risks with people’s money or get paid big bonuses whether they lose money for the firms or not, as well as going back to having to use their partner’s capital to operate.

Website:

www.WilliamCohan.com

Nov 23 2019

1hr 5mins

Play

1330: Truthteller, Fake News & Conspiracy Theories with Stephen Davis

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After his intro discussing getting the money thing out of the way in pursuing your life and the difference between law and ethics, Jason Hartman talks with Stephen Davis, author of Truthteller: An Investigative Reporter’s Journey Through the World of Truth Prevention, Fake News and Conspiracy Theories, about the prevalence of fake news online and in every form of media. The two try to find ways to combat the issue head on and what the average person can do today (and in the future) to avoid being fooled.

Key Takeaways:

[6:34] Get the money thing out of your way

Stephen Davis Interview:

[12:32] It's easier now than ever before for governments to lie to you and get away with scandals

[14:36] Fake news travels faster than truth on Twitter

[17:40] If you want good, investigative journalism, you're going to have to pay for it

[23:45] We need to stop letting companies like Facebook and Google escape the responsibility that media outlets have

[30:10] How governments deceive you

[36:21] Dealing with fake reviews on sites

Website:

www.StephenDavisWriter.com www.JasonHartman.com/Properties

Nov 22 2019

40mins

Play

1329: Jacksonville Market, New Construction, 1031 Exchanges & Financial Terms

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Jason Hartman and one of the network's Florida market specialists discuss the Jacksonville market and what kind of housing is currently available. The two break down a pro forma for one of the available new construction properties and examine why Florida has become such a hot spot for people fleeing both the East and West coast states.

Then we have a segment from Real Data founder and president Frank Gallinelli about financial terminology. It's important when reading pro formas and doing your due diligence that you know what these metrics are. Frank breaks it down so that you're prepared when you go into your next property.

Key Takeaways:

[4:28] Florida is now drawing people from the East and West coast

[6:28] Jacksonville market profile

[10:27] Examining a pro forma of one of the new construction properties available in Florida

[13:00] There are a couple properties available that you could take advantage of in a 1031 exchange

[15:53] People are moving to Jacksonville to be near St Augustine, which is the 2nd busiest place for tourists in Florida behind Disneyworld

[18:24] Frank Gallinelli on financial terminology

Website:

www.JasonHartman.com/Properties www.RealData.com

Nov 21 2019

30mins

Play

1328: Interest Rates, Financial Repression, Housing Affordability & Maker City

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Jason Hartman starts today's show discussing how it's possible that low interest rates can be used as financial repression tool even though it seems like a good thing at first glance. He also explores an article highlighting affordability issues across the nation and how it's impacting markets that Jason's investors bought homes in prior to the runup.

Then Jason talks with Peter Hirshberg, founder of Maker City® Project and CEO and co-founder of Lighthouse.one, about Opportunity Zones and how they work with constructing cities. Jason and Peter explore how the incentives were created and why they are crucial to the success of projects like Opportunity Zones.

Key Takeaways:

[3:47] Part of financial repression is low interest rates

[7:42] Affordability is becoming more and more of an issue across the US, including some where investors used to be able to get reasonable properties

Peter Hirshberg Interview:

[14:43] Economic reinvention is a bottom up thing as people found what they were good at and innovators moved into the city

[18:55] Why you have to create incentives like those the Opportunity Zone offers

Website:

www.Lighthouse.one

www.JasonHartman.com/Properties

‘Their house is on fire’: the pension crisis sweeping the world

Housing in these cities may become unaffordable by 2028

Nov 20 2019

28mins

Play

1327: Taxes, Landlord Law & Opportunity Zones by Steve Glickman, Chief Architect

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Jason Hartman and real estate attorney Bob start today's show discussing the importance of taxes and how they can seriously impact your real estate investing journey throughout your life. They also discuss what makes a good investor and the direction of law when it comes to real estate.

Then Jason talks with Steve Glickman, Senior Economic Advisor to President Barack Obama and chief architect of the Opportunity Zone project, about how the Opportunity Zone system works, the definition of an Opportunity Zone and what benefits the program provides for real estate investors.

Key Takeaways:

[4:33] The multiplier effect of moving to a place where your money is treated better

[9:37] Jason's prediction for the next thing landlords will be held accountable for under the law

[15:50] What good, talented lawyers for commercial properties always do

[19:18] Good investors act, but only because the deal is good, not because they have the money

[23:27] Taxes are like reverse amortization

[26:02] High taxes encourage bad investments

Steve Glickman Interview:

[28:14] There are now 8.766 Opportunity Zones across the US

[32:31] There are about 300 Opportunity Zone funds targeting $65 billion and have raised about 15% so far. How big is this expected to get?

[35:28] The 2 big factors in why zone based programs become unsuccessful

[37:16] What is the Opportunity Zone program?

[40:23] Will Opportunity Zones exacerbate gentrification?

Website:

www.Lighthouse.one

www.JasonHartman.com/Properties

Nov 19 2019

46mins

Play