Graham Stephan
Graham Stephan
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As a 30 year old real estate agent and investor who started working in real estate shortly after turning 18, with over $120,000,000 in residential real estate sales since 2008, I've created this channel to share my successes, failures, and experiences in the real estate industry and to support others who are thinking of getting into the business. Oh, and I'm also obsessed with cars. A lot. So expect to see some cars uploaded to my channel. A lot. And Subscribe. Because all the cool kids are doing it.
Feel free to follow me on Snapchat / Instagram: GPStephan

Video
My Thoughts On The Stock Market Collapse
My Thoughts On The Stock Market Collapse
3 days ago
Here are my thoughts about the election vs the stock market and a warning from Robert Shiller - Sign up to Morning Brew for FREE today: cen.yt/morningbrewgrahamstephan5 - Add me on Instagram: GPStephan LIMITED TIME: Get 3 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1600): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Warning from Robert Shiller: Robert says that ‘illness crisis and upcoming election have driven investor fears of a major stock market crash to the highest levels in many years. Yet, while investor confidence in the market is low, stock prices are trading at very high levels.’ markets.businessinsider.com/news/stocks/stock-market-outlook-crash-risk-shiller-investor-confidence-high-prices-2020-10-1029721688# On top of that, Robert Shiller also has what’s known as a VALUATION INDEX…which surveys those same people and asks if they think the market is undervalued, overvalued, or just the right price. And, as we can see from the chart - only 37% of individuals feel the market is undervalued…. som.yale.edu/faculty-research-centers/centers-initiatives/international-center-for-finance/data/stock-market-confidence-indices/united-states-stock-market-confidence-indices That means…according to Robert Shiller…the vast majority of investors feel like a market crash is MORE than 10% likely to happen, during a time where 63% of investors feel the market valuations are high. I mean, it isn’t exactly rocket science here and this doesn’t exactly make any predictions - BUT, it does give us a gauge on MARKET SENTIMENT, which could have a direct impact on where the market MIGHT be headed in the coming few months. NEXT: Bond Rates Are Rising. This all started the other week when the 10-year-bond prices began to increase pass .8%…for the first time in many months, and the assumption is that - at this rate - the 10-year prices could soon reach that psychological threshold of 1%. Rates like this are rising with the expectation that - more likely than not - another stimulus is coming, and when that happens, the US will have averted any short term issues that could come up, meaning that long term bonds are able to pay MORE as fewer investors buy them - as we’re seeing here. I know that sounds INCREDIBLY confusing, and I’ve simplified things a LOT…but, when you think of these interest rates, all you need to know is that it’s all about supply and demand. See, as these bond yields go up - banks need to INCREASE mortgage rates to remain competitive to the investors who buy those loans…therefore, the higher this bond rate goes…the more likely it is that we’ll begin to see interest rates SLOWLY begin to tick back up for mortgages, as well. Now, it’s still too early to tell FOR SURE what type of impact this is going to have on the housing market, or if this type of rate increase is only going to be minuscule for the time begin…but, either way, the likelihood of mortgage rates dropping any lower than they are today is unlikely. Overall, though - here’s what YOU need to do about this: FOCUS ON WHAT YOU CAN DIRECTLY CONTROL. Obviously, go out and vote so your voice is heard - that’s an easy one. But, besides that - volatility like this is going to be normal over the next few weeks to months, and it’s up to you to have an understanding of what this means for you, and to make sure you’re diversified enough NOT TO PANIC AND SELL. And, listen…regardless of what happens, long term, the markets have shown us that they will do just fine long term. This article from Forbes broken down the returns from each president since 1926…and as you can see, the chart always go up, decade over decade. www.forbes.com/sites/kristinmckenna/2020/08/18/heres-how-the-stock-market-has-performed-before-during-and-after-presidential-elections/#4582674f868b For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
HOW TO INVEST $100 PER WEEK ASAP
HOW TO INVEST $100 PER WEEK ASAP
8 days ago
Here are the BEST strategies you can start using TODAY to begin investing, earning passive income, and building wealth with $100 per week - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 3 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1600): act.webull.com/k/Vowbik9Tm5he/main Get 100 BONUS Tickets on Yotta Savings - withyotta.page.link/jem9FxENqgmMA9ir9 - Promocode: GRAHAM :) JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Step 1: The first step to investing $100 per week…is to have an extra $100 per week to invest: The first thing I would do is look at your day to day spending and see if there’s a way you can reduce your overhead by $14 per day. But, for those people who simply can’t cut back any further than they already are…then it’s up to you to make up the difference through a part time job, switching careers, learning a new skill, or doing anything else you can to increase your income. Thinking about investing at this point is NOT going to have as high of an ROI as increasing your income - so finding any extra work should be a priority, until you can get to the point where you have a little left over to consistently save and invest. Step 2: Make sure you FIRST build up a 3-6 month E-fund. This is just a “Savings Account” with money that you keep, in cash, to cover 3-6 months worth of your expenses in the event something happens, you lose your job, the money printer stops going BRRRR, and they still can’t agree on a Stimulus Deal…at least you’d have 3-6 months worth of cash on hand to cover your overhead until you get yourself back on your feet. Step 3: Use $100 per week towards maxing out your Roth IRA. This is a tax advantaged retirement account that lets you contribute post tax money…meaning taxes have already been taking out of what you earned…and by the time you’re 59.5, all the PROFIT in that account can be accessed completely tax free. Step 4: Another Alternative to a Roth IRA is the potential of investing in what’s called a 401k…and, depending on your employer, this one could be EVEN BETTER than the Roth IRA. This is an account that you invest PRE-TAX money into, and then you’re taxed when you begin withdrawing the money after the age of 59.5. From my perspective, the 401k really only makes sense in a few scenarios: -The first is when your employer offers what’s called a 401K match…this is when they will match your contribution, dollar-for-dollar, up to a certain amount. -Secondly, a 401k makes sense if you’re in a REALLY HIGH tax bracket now…and expect to retire on much less, in a LOWER tax bracket , Step 5: Use this extra money to pay down any high interest rate debt you have. Paying down debt is like getting a guaranteed return on your money at whatever interest rate you’re paying - because, otherwise, if you didn’t pay it down - it’s COSTING you whatever the interest rate is. Step 6: Spend $100 per week investing back in yourself. Here’s the thing - when you look at the initial ROI of investing $100 per week, in the very beginning, it’s not much. Even if you get an INCREDIBLE 20% return within a year, we’re talking about MAYBE $1000 in profit…well, that could very well PALE in comparison towards what YOU could do for yourself. Step 7: Invest $100 Per Week in a taxable brokerage account. By doing this, you’d have access to ALL of your money, anytime you need it, without paying an penalties for cashing out before the age of 59.5…HOWEVER, all profits will be taxed, which is why I recommend you familiarize yourself with the benefits of long term capital gains taxes, and understand which bracket you fall under so you can best understand how much you will owe if you sell. Step 8: Use this money towards your own business that has the potential to generate even more money. Similar to investing in yourself, THIS is an area where $100 per week could have an INSANELY high ROI. Step 9: Hit the like button :) For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
How I Bought My NEW Las Vegas Home For $0
How I Bought My NEW Las Vegas Home For $0
10 days ago
Here is how I effectively was able to buy my Las Vegas Home for $0 out of pocket, and we'll talk about JUST the financial aspects behind the move - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 3 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Here in the United States, you first have whats called your FEDERAL tax bracket, which is how much you owe the IRS, depending how much money you make. This is the same WHEREVER you live in the United States, this is all the same for everyone…except Puerto Rico, but that’s the topic for another video. NOW…In ADDITION to paying FEDERAL INCOME TAXES…almost every state has an income tax that you owe THEM, completely separate from the IRS. As you can see from the chart, some states have ZERO income tax - like Texas, Nevada, Tennessee, Florida, Washington, and so on…and others range anywhere from a few percent all the way to 13.3%. Now, if we approach this from PURELY a TAX STANDPOINT - Las Vegas does not have ANY state income tax I was able to get a fixed mortgage at 2.875% interest, with 15% down, for 30 years, at a $1,440,000 purchase price. That means my monthly mortgage is going to be $5,078 per month, my property taxes will be about $1050 per month, the HOA is $300 per month, and my home owners insurance is $200 per month. That means my TOTAL out of pocket cost to own this home is $6,628 per month…however, when you pay a mortgage, a portion of that goes towards home equity as you pay down the loan…meaning, when you account for $2150 per month going towards home equity, my “total out of pocket” is ACTUALLY reduced to $4,478 per month to own this home. Not only that, but because I’m planning to use half of the house exclusively for business and filming, HALF of that amount is a write off against my gross income - bringing my out of pocket cost, after tax write offs…to $3582 PER MONTH to own this home. That means that, even though this house had a purchase price of $1,440,000 and it’s costing, NET, $3582 per month after write offs…not only do I get an extra 2000 square feet to create new filming locations from, but I’m also able to SAVE $33,000 PER MONTH since Las Vegas has no state income tax. Now, of course - for anyone curious, YES, I WILL STILL OWE California State Income tax on ANY revenue generated from and in California. That means that all of my rental property income in California will be subject to State Income Tax, and any business I do in California will be carefully accounted for so I can pay the appropriate tax. But, because nearly everything else that I do can be done remotely - moving here gives me significantly more opportunity to continue growing and expanding, and bringing YOU even better content to watch day after day. This is certainly not to say that EVERYONE can do this because there are a lot of factors to take into consideration…but, for me, that is how I broke down the math with how it pertains to myself and this home. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Why Millennials Are Financially RUINED
Why Millennials Are Financially RUINED
16 days ago
Here is why Millennial Wealth is the lowest it's ever been and why they're not investing - Enjoy! Sign up to Morning Brew today for FREE: cen.yt/morningbrewgraham4 Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB A study from the Federal Reserve found that Millennials own less than 5% of ALL US Wealth…DESPITE making up THE LARGEST Portion of the work force. CNBC says that, because many millennials entered the workforce during the Great Recession, they started out with lower salaries than they would have made otherwise, and that’s a big reason for this pay drop. And as it turns out, those early years of developing a career are instrumentally important for building up your income…it was found that, during the first 10 years of work, people experience 70% of their overall wage growth - and entering the workforce a time of recession, led to an average of a 9% loss of income right off the bat. www.nber.org/digest/nov06/w12159.html It’s also no surprise more people are entering the workforce - that means employers can be pickier about who they hire, and pay LESS because there are MORE people wanting the same job. This competition means employers don’t NEED to increase salaries, because they have no problem filling those positions with people willing to work. And even though there CAN be benefits of getting a college degree…and it CAN be a pre-requisite for securing a job…it’s certainly becoming a lot more common, and therefore, less impactful towards getting a boost in salary. Studies have shown that the value of a college degree really seemed to have peaked in the late 1990’s…and since then, it’s been a slow decline given the skyrocketing cost of education. www.epi.org/publication/charting-wage-stagnation/ Also, during a recession, employers are often quick to cut and decrease salaries…but during the GOOD TIMES, they’re much SLOWER to raise them back up. And again - the data backs this up, showing that we’re just NOW getting back to the point we were at…10 years ago. fred.stlouisfed.org/graph/fredgraph.png?width=880&height=440&id=MEHOINUSA672N That means that, today…we have to be more careful than ever to seriously evaluate the benefits of college, and whether or not it’s worth it for the career you want. Most likely, less expensive options, trade schools, or community college would be a better fit instead of pouring money into a 4-year private education…but as it stands right now, more money spent on schooling, combined with lower wages…equals less money can be put towards building wealth. It’s also INCREDIBLY important to realize that, at the end of the day - all the income in the world won’t help if you don’t consistently SAVE AND INVEST, so that way, you can participate in the markets going up in value over time. As it is now, income and wealth seems to be self fulfilling…the people who make more money, invest more…and because they invest more…they make more money. Likewise, the opposite happens when you don’t have money…you don’t make as much, you don’t invest, and because you don’t invest…you don’t make as much. It’s so important to break that cycle and start investing AS SOON AS POSSIBLE…even if it means cutting back on extravagances, switching jobs, working a side hustle, or doing ANYTHING YOU CAN just to get in the game…it’s so important just to start, and stay as consistent as you can. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
How Much I Make With 2 Million Subscribers
How Much I Make With 2 Million Subscribers
13 days ago
Here you go - This is EXACTLY how much I make from ad revenue on US-channel with 2 Million Subscribers - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Why I'm making this video: For me - I’ve enjoyed watching videos like this from other people who chose to share their experiences, and I just find it INSANELY inspirational to see how people got to where they are, and everything involved in the process..so, I’m going to cover everything I possible can, and hopefully, this will be helpful to anyone who wants to make their own US-channel videos one day…or, even if you’re just curious how much a US-channel channel with 2.5 million subscribers makes in the finance space…here you go. Overall, I’ve done my best to stay as consistent as possible, I read nearly all of the comments to see what types of videos people want to see, I read hours per day of news to understand exactly what’s happening in the finance - investing - stock market - passive income - and financial independence community, and I spend as much time as I can to bring you the best possible videos as I can make. I also hired a full time assistant and editor for the second channel, so that way I can make sure nothing falls through. I’ve also started a podcast with the help of my colleague and editor, Jack, called The Iced Coffee Hour It’s absolutely unreal to even think something like this is possible, and that I get to spend every day doing something that I find so fulfilling and fun…and I owe all of that to US-channel for making this possible, and YOU watching this for all of your support on the channel. I could NOT have done this without you, and I’m just happy to be able to give you the information you want me to make, and do my best to bring about more financial awareness and show people how personal finance and building credit can be fun. But, seriously - ALL of this is because of you, so thank you - and that’s why I always do my best to read the comments, respond to as many of you as I can, and listen when you say something - I love that we’ve built such a supportive community where we all want each other to succeed, because it’s very true - a rising tide lifts all boats, and if we learn something new, it’s up to us to share that with each other and do our best to help everyone succeed. My content is far from perfect, I make mistakes, and I’m human…but, I love making videos, I like sharing information, I love investing, and if I can encourage you to do the same, then I’ve done what I’ve set out to do….and lastly, if you’ve made it this far in the video, it would mean a lot to me if you gave it a like. It helps out the algorithm, and if we can get this video in front of people who find it helpful…it would make me really happy. Thanks! For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
REVEALING MY NEW LAS VEGAS HOME TOUR | LEAVING CALIFORNIA
REVEALING MY NEW LAS VEGAS HOME TOUR | LEAVING CALIFORNIA
16 days ago
Here is my new Las Vegas Home - Enjoy! SimpliSafe is award-winning home security that keeps your home safe around the clock. It’s really reliable, easy to use, and there are no contracts. Check out SimpliSafe here: simplisafe.com/graham - Thanks! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Confronting Logan Paul | I Bought His $200,000 Pokemon Cards
Confronting Logan Paul | I Bought His $200,000 Pokemon Cards
17 days ago
I Bought The Logan Paul Base Set Pokemon Cards - This is what happened. Enjoy! Supporting The National Alliance on Mental Illness - www.nami.org/Home - Add me on Instagram: GPStephan To bid on the cards for NAMI - 100% of the proceeds will be donated: www.ebay.com/itm/254746932531 LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Why I'm Leaving California
Why I'm Leaving California
21 day ago
It's official - here is why I'm leaving California, where I'm moving to, and what's going to happen next - Thanks for watching! Add me on Instagram: GPStephan ENDING SOON: Get 2 FREE STOCKS ON WEBULL WORTH $8+ EACH when you deposit $100 (Valued up to $1600): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Confronting Kevin O’Leary | How He Spends $400 Million Dollars
Confronting Kevin O’Leary | How He Spends $400 Million Dollars
Month ago
Here is a detailed look into how Kevin O'Leary from Shark Tank spends and invests his money - wait for it - Boomer bucks - Enjoy! Add me on Instagram: GPStephan SUBSCRIBE TO KEVIN: Kevin O'Leary US-channel Channel: us-channel.com Kevin O'Leary Instagram: instagram.com/kevinolearytv/ LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Everything Wrong With The NEW X1 Credit Card
Everything Wrong With The NEW X1 Credit Card
24 days ago
Lets discuss the new X1 Credit Card - Enjoy! Click Here harrys.com/graham to get your Starter Set from Harry's for $3! - thanks! Add me on Instagram: GPStephanAdd me on Instagram: GPStephan ENDING SOON: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1600 - MINIMUM $8 VALUE EACH): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB The X1 Credit Card was JUST recently announced, and instead of becoming another credit card that gives you cash back and a juicy sign up bonus - they wanted to shake things up a little bit, and do things a little differently, so they went with an alternative approach: They wanted to Design a “SMART CREDIT CARD” that gives a credit limit based on their customers INCOME, NOT their credit score - among a whole bunch of other “high-tech’ features that we’ll cover shortly. In terms of the cards design, they’re obviously appealing to millennials…by making it metal. They also promise you auto-expiring virtual cards, allowing you to cancel payments with one click, spend anonymously without disclosing your personal information, create virtual cards for one-time use, Get instant notifications on refunds, and attach receipts to purchases, and more. As far as rewards: They say they’ll be giving you 2x points on every dollar spent, and when you spend more than $15,000 per year - they’ll give you 3x points on every dollar spent. Oh, but wait - there’s more - you can unlock 30 days of 4x points for every friend you refer. You can earn an UNLIMITED amount of points, and they never expire. Unfortunately, It looks as though you can only redeem these points at pre-approved companies. But hey, if you’re shopping at any one of these companies…including....SUPREME…then, yeah, each point is worth somewhere from 1-2 cents each, and that means this could potentially get you ALL THE WAY UP TO 8% back depending on how many people you refer. You get all of this WITH a $0 annual fee….and that, I can’t complain about. Anytime something is $0…I approve. Overall, I gotta say - The X1 Credit Card IS a breath of fresh air - and, to be perfectly honest - I’m not sure WHY there haven’t been more “smart credit cards” coming into the market. It seems, to me, like they’ve just taken some broad concepts of the Apple Credit Card - and then just improved it a little bit, added some better features, and then re-marketed it down to a millennial and Gen Z audience - which I think it’s SMART. The No Annual Fee thing is really nice, the point system is REALLY good but ONLY if you’re using your points towards they’re pre-approved companies, and I don’t see a many downsides with this card..If you can get up to 8% cash back on those merchants at a value of 8 cents per point, that’s higher than nearly anything else out there. I also gotta say, I like the features with this card…and if they can integrate some type of personal finance payment tracker on the card, I think it’ll be a clear rival with some of the other no-annual fee credit cards out there...so, I like it. My ONLY criticism, however, is that it looks like points can only be redeemed through select merchants, which I’m not a huge fan of…BUT, if this gets people IN the credit card game with a higher limit upfront based on income, I’m all for it - and I think this will be a good step in the right direction to begin digitalizing credit cards. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
I got a CUSTOMIZED Credit Card from ZHC
I got a CUSTOMIZED Credit Card from ZHC
29 days ago
Today we're meeting with ZHC who breaks down his business, income sources, and how he spends his money - Enjoy! Add me on Instagram: GPStephan FOLLOW ZHC HERE: US-channel: us-channel.com/will/lQubH2NeMmGLTLgNdLBwXg.html Instagram: instagram.com/zhcomicart/ LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Real Estate Is About To Drop - Again
Real Estate Is About To Drop - Again
Month ago
Lets talk about real estate, how to invest, and the future of the market - Enjoy! Sign up to Morning Brew for free today: cen.yt/morningbrewgraham3 - thanks! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (MINIMUM VALUE up to $1600): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB It’s no surprise that, throughout the last 30 years or so…Real estate prices have continued to climb as interest rates have continued to decline…and now, we’re at the cheapest rates we’ve EVER seen, while housing is ALSO the most expensive it’s even been. The concern, however, is how sustainable IS this - what’s going to happen when interest rates rise back up - and is there the worry of more inventory flooding the markets once mortgages in forbearance are able to be foreclosed? It’s difficult to say FOR SURE since there are SO many different factors at play like the local economy for each market, how much inventory there is, and its desirability…but, we’ll talk about AVERAGES here, overall…and this is what was found: Despite what you would think, one study concluded that - historically - rising interest rates actually made NO DIFFERENCE, OVERALL, to the price of housing - in fact, since the 1980’s, housing continued to rise even though mortgages rates went UP. i.imgur.com/IWE4chD.jpg Another resource confirmed, this as well….analysis from Core Logic, Freddie Mac, and the Bureau of Labor Statistics found that housing prices did INDEED go up, even though interest rates ALSO went up. edit.urban.org/sites/default/files/hfpcfig2_revised.png www.urban.org/urban-wire/when-interest-rates-go-healthy-economy-history-says-home-prices-will-rise The reason for this is rather simple, though: One, interest rates are generally only increased in a good economy, where people are spending money, with consistent wage growth….which, typically means people are buying homes. And, TWO - interest rates are also increased to combat inflation, which as any real estate investor will know…inflation is generally GOOD for real estate, because that also causes home price to rise up, in tandem. The thing is, real estate is based on so many small factors, like location, inventory, the local job market, the health of the economy...and obviously, some markets will end up doing much BETTER than others. But then there’s also the concern of FORECLOSURES…as it is right now, home owners have the option of opting in to mortgage forbearance, which allows them to temporarily “pause” their housing payments and then extend those missed payments to the end of the loan. During this time, forecloses are temporarily put on hold - and, beginning next year, we should begin to see the outcome of how many people can resume their payments. The GOOD news is that, month after month, it actually looks like the amount of mortgages in forbearance has been steadily going down - and the latest finding was that, last month, loans in forbearance decreased from 7.2% to now 6.8%. www.mortgagenewsdaily.com/09232020_black_knight_first_look.asp So, in this case - EVEN THOUGH there are mortgages in forbearance…it’s unlikely that ALL of those are going to completely stop paying once the forbearance period is up, it’s unlikely that EVERYONE is going to be selling at the same time, and it’s unlikely that they’re going to crash the market. All YOU need to be made aware of is that you ONLY buy a home that you can afford to live in LONG TERM, without the intention of selling. Generally, I don’t recommend buying real estate without the intention of holding it at LEAST 10-20 years because ANYTHING can happen in the short term - but, as long as you buy something that you MAKE SURE you can afford, with a healthy emergency fund to cover you during a time of potential unemployment - then you should be okay. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
My thoughts on money and relationships
My thoughts on money and relationships
Month ago
Here are my thoughts about money, relationships, and everything else I've learned along the way - Enjoy! Add me on Instagram: GPStephan - LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1600): : act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB I know this doesn't have much to do with Investing - building wealth - or passive income - but finding a partner who thinks the same way can be incredibly important. Here’s what I’ve come to realize over the years: You WILL ATTRACT what you think you’re worth and what you put out there, and how you portray yourself WILL have a direct affect on the type of people you meet and how they view you. This goes much further than just relationships, by the way - this includes friends, colleagues, business parters, and acquaintances - if you LEAD and ATTRACT people with flashy clothing, cars, and status - you WILL ATTRACT THE PEOPLE who are most receptive to those qualities. Here’s what I’m getting at: if you want to meet someone who thinks the same way as you do, who shares those same beliefs…THAT’S what you need to make known from the very beginning. Be EXACTLY who you are, and don’t be apologetic about it…if you embrace exactly what you’re looking for, and you believe in what you’re doing…it’s going to make it THAT much easier to find someone else who thinks the exact same way. I ALSO don’t think it’s unreasonable to place an emphasis on financial compatibility…I know money has previously been this topic that no one talks about because it’s not proper etiquette…but, I think it’s a very realistic component to any relationship, and logistically - when you’re in a serious relationship - you need to be upfront with how you plan to manage finances, and whether or not your long term goals will clash with each other. And remember: this has NOTHING to do with how much money someone makes…I’ve seen people making $500,000 per year but they’re the most financially irresponsible people who constantly live paycheck to paycheck…just like I’ve seen people who make $25,000 per year and somehow manage to save half of their income. This IS JUST about Financial Responsibility, and setting the expectation and framework upfront about what works with you and what doesn’t - generally, it’s important that both people have a positive, health attitude towards finances - and as long as there’s the emphasis towards working together towards a unified goal, how much money either person makes is largely irrelevant. And listen…at the end of day, a relationship can bring an IMMENSE amount of joy into your life in so many immeasurable ways…but, it’s just as important to make sure you’re attracting the type of people who are RIGHT for you, and being totally UPFRONT with who you are, what you want, and what you expect - without purposely doing things “just to get in a relationship.” Ideally, I think it’s just as important to learn to be completely comfortable on your own, first, so that you can build the confidence of becoming self sufficient as a person…something like that just comes naturally, and everyone will move on their own timeline - there’s no rush, and it’s not a race. Relationships are an incredible learning and growing experience as a person, and it’s NOT something to shy away from because you think money complicates things…but, learning how to showcase who you are and what you stand for is a quality that not only a future partner will appreciate, but will also help shape you into a more confident person in general. The sooner you get in the habit of doing this, the easier it will be in the future. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
I Just Bought A Bank
I Just Bought A Bank
Month ago
Introducing my newest Investment as an Angel Investor to Yotta Bank - feel free to try it out and get 100 extra tickets: withyotta.page.link/jem9FxENqgmMA9ir9 - Promocode: GRAHAM - Thanks! Add me on Instagram: GPStephan - NOTE: THIS IS NOT A SPONSORED VIDEO - I'm happy to discuss them as an investor! LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1600): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Yotta works on a “game-like” system that pays you a base interest rate of 0.2%, FDIC insured through Evolve Bank…along with a weekly ticket for every $25 you save. Every day, Monday through Sunday at 6pm PST, they hold a drawing that picks a randomly generated number - and you can earn prizes depending how many numbers you match - all the way up to $10 million dollars. But, here’s the thing - the MORE people join the app, the lower the average interest rate becomes…that’s because the top prizes with an asterisk are SHARED depending how many people match those numbers at the same time as you. These were my first impressions: One, just seeing this upfront: the interest rate they pay is INCREDIBLE. From a Savings Account standpoint, AVERAGING higher than 2% interest rate is INSANE when almost every other bank is below 1%, and most are even lower than that…HOWEVER, by the very nature of this - even though 2% is an AVERAGE interest rate across all prizes…some people will inevitably earn much less than this, and others will earn WAY MORE. I’d also expect that this rate is NOT going to be sustainable long term, and this is used as a way to gain momentum early on before - eventually - it’s lowered. Second, as of right now - it’s ONLY a savings account, which means there aren’t any other features besides the chance at earning a lot of money - and even though I’m sure they’ll be adding on to this - don’t expect to get a full on bank like you would with Ally Bank, at least not now. Third, I was rather disappointed to see that you’re only able to link ONE bank account at a time to your Yotta Account for deposits and withdrawals, and it takes about 10 days for your money to clear in order for you to take it out. This is obviously for consumer protection, and I get it - but, still - this is something that should hopefully improve over time. Fourth, for anyone wondering - they are FDIC Insured through Evolve Bank and Trust - so Yotta doesn’t actually hold your money, Evolve Bank does. robinhood.com/us/en/about/cash-management/ And finally, fifth…I’m sure there might be skepticism about “what if the prizes are rigged?! How do we know this isn’t setup??” And, to make sure this stays 100% above board, after some research, the top prizes are picked and paid out by a third party insurance company….that way, it’s double-blind between the insurance and Yotta to make sure everything operates as it should and no one can purposely pick winning numbers. This company is also featured on Bloomberg and backed by Y-Combinator, which is one of the most prestigious startup-accelerators in the world. The business model behind it was quite intriguing….they’re based on the report that 40% of Americans are unable to cover a $400 emergency expense, yet they spend $1000 per year on the Lottery….so Yotta aimed to bridge that gap by INCENTIVIZING people to save through a prize based system that makes it EXCITING to put money away, gives them a better interest rate than they’d be getting at other banks, AND brings users back to the app on a regular basis to check in. If you want to try it out and let me know what you think - it would mean a lot to me! To be clear: YES, it’s a referral link and I DO get compensated as an investor in the company - but, I wouldn’t recommend anything I don’t use myself and don’t thoroughly believe in! :) For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Kevin O’Leary Reacts To My $10 Million Dollar Investment | Shark Tank
Kevin O’Leary Reacts To My $10 Million Dollar Investment | Shark Tank
Month ago
Kevin O'Leary from Shark Tank reviews my $10 Million Dollar Investment Portfolio - Enjoy! Add me on Instagram: GPStephan Kevin O'Leary US-channel Channel: us-channel.com Kevin O'Leary Instagram: instagram.com/kevinolearytv/ House listed by Jason Oppenheim of The Oppenheim Group Jason Oppenheim Instagram: instagram.com/jasonoppenheim/ LIMITED TIME: Get A FREE STOCKS ON WEBULL worth $8-$1600 you deposit $100: act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Why The Stock Market JUST Dropped
Why The Stock Market JUST Dropped
Month ago
Here is what’s happening in the stock market today, how to invest moving forward, and everything else you need to know to build wealth and retire early. Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get A FREE $8+ STOCK ON WEBULL when you deposit $100 (Potentially Worth up to $1600): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB First, in terms of WHY the market is going down - here’s what’s coming into play, all at the same time: DEEP DOWN - what all investors DON’T like - in ANY MARKET - is uncertainty. Investors don’t know how policies might change over the next few years - they don’t know how tax rates might affect them - they don’t know how to base their future projections - and because of that, most investors and analysts get a little more cautious and play it a LITTLE SAFER in case things don’t turn out as they expect. LPL research in September here: lplresearch.com/2020/08/31/historic-august-opens-door-to-worst-month-of-the-year/ www.thebalance.com/presidential-elections-and-stock-market-returns-2388526 And also - this is probably the most relevant for a LOT of people watching - especially in terms of how NOT to lose money - and that all has to do with one word: DEBT. Yahoo recently reported that 43% of retail traders are now trading with leverage…if we break that down further, 23% are trading JUST using options, and 10% are JUST using margin…signaling that MAYBE we’re in the middle of an “options boom.” finance.yahoo.com/news/43-of-retail-investors-are-trading-with-leverage-survey-172744302.html In the last YEAR, options trading has increased in popularity by 45%…and when we look back historically, we can see that options trading increased in volume over the last 12 months, and began their slow trickle upwards once Robinhood was introduced, and then once brokerages began offering free stock trading. www.ft.com/content/b330e091-2a59-4527-b958-9213731a526c That could explain some of the volatility in today’s market - Goldman Sachs estimated that now, 20% of all SP500 options traded in the second quarter had a maturity of less than 24 hours, up from 5% in 2011-2016…that means, people are leveraging their money 100x with short term, speculative bets on where the stock market is going to be headed in a 24 hour period. www.ft.com/content/b330e091-2a59-4527-b958-9213731a526c That leads to the notion that, POSSIBLY - tech options trading has influenced the entire market to rise up abnormally fast, and then plunge rather quickly as options traders bought up - and then SOLD their holdings. Anyway, I also think this would be a CRITICAL warning to any new investors out there to preferably NOT use leverage when buying stocks…the fact that 43% of traders are using some margin or trading options is rather concerning, and I guarantee this can’t end well and it’s only a matter of time until the tables turn and people lose a LOT of money. So, yeah - I mean, obviously, you know I’m just going to say the same “buy and hold!” that I’ve been repeating for YEARS nonstop, even while the stock market was dropping 40%….if you’ve watched more than a few of my videos by now, this isn’t any surprise. But, I do want to use this as a time to caution you that you SHOULD be prepared for more volatility over the coming few months, you should understand how options trading is going to magnify these swings both positive and negative, and you should MAKE SURE you don’t trade on margin or trade options UNLESS you really know what you’re doing, or you have money that you can afford to lose. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
THE ONLY 5 CREDIT CARDS YOU WILL EVER NEED
THE ONLY 5 CREDIT CARDS YOU WILL EVER NEED
Month ago
Here are my TOP 5 BEST Credit Card Recommendations - ENJOY! Try Dashlane Premium free on your first device: www.dashlane.com/graham - Use the coupon code ‘graham’ to get 40% off Dashlane Premium - Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB FIRST: CITI DOUBLECASH CARD One, it costs NOTHING to keep open - because there’s NO ANNUAL FEE. And, two…it gets you 2% CASH BACK on ALL PURCHASES…1% when you make a purchase and 1% when you pay it off…WITH NO LIMITATIONS. That’s why this card is a MUST-HAVE for everyone to keep in their wallet. SECOND: AMAZON PRIME CARD The Amazon Prime Card is for customers who have an eligible Amazon Prime Membership, and the card itself has absolutely NO ANNUAL FEE, so it’s totally free to keep open as long as you possibly can. With this card, you’re going to be getting 5% cash back on ALL Amazon and Whole Foods purchases, you’ll get 2% back at restaurants, gas stations, and drugstores…and then 1% cash back on everything else. THIRD: CHASE FREEDOM FLEX CARD This one is TOTALLY FREE WITH NO ANNUAL FEE, and it's meant to replace the Chase Freedom. They’re giving you the same 5% cash back on travel, the same 3% cash back on dining, the same 3% cash back at drug stores…but NOW, instead of giving you 1.5% cash back on all purchases, which isn’t THAT good because you could just use the Citi Double Cash for 2% back…they’re giving you 5% cash back on revolving categories, and then 1% back on everything else. They’ll also give you $200 back when you spend $500 on the card within the first 3 months, AND they’ll give you 5% back on grocery store purchases (not including target or Walmart) on up to $12,000 in the first year. FOURTH: AMERICAN EXPRESS GOLD CARD This card costs you $250 PER YEAR… BUT, on the bright side - for that price…you’re going to be getting some really decent perks and services: You’re going to get 4x points spent on dining - like restaurants, take out, and delivery. You’ll also get 4x points back on grocery stores, all the way up to $25,000 PER YEAR. then you’ll get 3x points back on flights and 1x points back on everything else. You’ll also get 35,000 points just for signing up and spending $4000 on your card within the first 3 months. Now, as far as how much each point is worth - It depends how you redeem it. The website MillionMileSecrets has a great breakdown on this and how to best redeem those points: millionmilesecrets.com/guides/amex-points-value/ This Amex Gold will also be giving you a $120 dining credit, and they’ll give you a $100 airline credit towards incidentals every year. Not to mention, AMEX has some of the best customer service in the world - and their purchase protection is absolutely top notch. NUMBER FIVE: THE CHASE SAPPHIRE RESERVE It’s going to cost you $550 per year as an annual fee…so, right from the start, this is NOT for everyone - but, it might be worth it: One, the sign up bonus: You’ll get 50,000 points when you spend $4000 on the card within the first 3 months - and those 50,000 points have a VALUE of about $750 when you redeem that for travel or straight up cash back. In ADDITION to that, you’re also going to be getting a $300 travel credit that applies to nearly anything travel related. You’ll also get a $120 Statement Credit For Doordash Deliveries, and free DashPass for 12 months. You’ll also get 1 year of complimentary Lyft Pink when you activate the service using your card - and that’s a $200 value. You’ll get free priority pass lounge access for yourself and up to 2 guests anytime you travel . Sixth, you’ll also get complimentary global entry or TSA PreCheck which works out to a $100 statement credit every 4 years. That makes THIS card REALLY, REALLY, REALLY good…even if it costs you $550 per year. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The 5 BEST Index Funds That Will Make You RICH
The 5 BEST Index Funds That Will Make You RICH
Month ago
Here is my review of my TOP 5 INDEX FUNDS that you can invest in that will make you the MOST amount of money as possible long term, and exactly how much they cost - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 1 FREE STOCK Worth Between $8-$1600 on WeBull when you deposit $100: act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB #5: VFIAX Vanguard Fund SP500 Fund Cost: 0.04% Expense Ratio Minimum: $3000 Investment Alternative ETF: VOO - 0.03% Expense Ratio This is a Vanguard Index Fund that follows the SP500, which is the top 500 publicly traded companies in the United States. Buying this ONE index fund is basically the equivalent of buying all 500 of the largest companies in the US, and you’ll get access to some of the bigwigs like Apple, Microsoft, Amazon, Google, Facebook, and so on. #4: VTSAX Vanguard Fund Total Stock Market Cost: 0.04% Expense Ratio Minimum: $3000 Investment Alternative ETF: VTI What makes this so unique is that it encompasses the ENTIRE US stock market in ONE single fund…like, this is EVERYTHING. If there’s a small cap, medium cap, or large cap stock in any industry you can think of - this index fund has a tiny piece of it…and for one low price, you can get exposure to 3,529 stocks… #3: SWPPX Charles Schwab SP500 Fund Fund Cost: 0.02% Expense Ratio Minimum: NONE This index fund was started in 1997 and it ALSO follows the SP500. #3 (Tied): SWTSX Charles Schwab Fund Cost: 0.02% Expense Ratio Minimum: NONE This encompasses the entire US stock market index, similar to VTSAX. #2: FXIAX Fidelity Fund Total Stock Market Fund Cost: 0% Minimum: NONE This is Fidelity’s version of the SP500 index fund with NO EXPENSE RATIO and NO MINIMUMS. #2 (Tied): FZILX Fidelity International Stock Market Fund Cost: 0% Minimum: NONE This is, in my opinion, a GOOD index fund for everyone to at least get in on - because an international index fund will cover foreign and emerging markets that COULD perform very well over the next few decades. Now, it is true that - Historically, the SP500 has been a better investment than international stocks - but that might not ALWAYS be the case, especially as other markets are REALLY ramping up production and consumption. It also gives you a little more diversification OUTSIDE the United States - just in case, you never know. #1: FZROX Fidelity Total Stock Market Fund Cost: 0% Minimum: NONE Unlike Vanguard, which has a 0.04% expense ratio - this one has NO EXPENSE RATIO. It’s TOTALLY FREE. #1 (Tied): FNILX Fidelity SP500 Index Fund Apparently, they couldn’t just say this is the SP500 because they’d have to pay fees to license that name…but hey, call it whatever you want if that means they can pass the savings on to the customer. With this, you’ll get the same SP500 index fund with no minimums and no fees…so, there you go, that’s a win for this fund. So between everything I just mentioned, you should be able to find the PERFECT index fund to invest in - index funds within Vanguard certainly have the name recognition behind them, but others like Charles Schwab and Fidelity are cutting fees in an effort to get you to buy theirs, instead. Either way, this is GOOD for you - because now, you get to save more money. Seriously, if all you did was just buy a total stock market index fund every month and nothing else - over 20 years, you would out perform the VAST majority of hedge fund managers, and you’d put yourself in a GREAT financial position to make as much money as possible. Investing doesn’t need to be complicated, and it doesn’t need to be expensive, either…any of these index funds I mentioned would be a great choice, and I hope this is helpful to maximize the value of every dollar possible. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
10 QUICK Life Hacks To Save Money ASAP
10 QUICK Life Hacks To Save Money ASAP
Month ago
These are my top 10 BEST Frugal Life Hacks to Save as much money as possible - so that way, you have more money left over to invest - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get A FREE STOCK ON WEBULL worth MINIMUM $8 (up to $1600) when you deposit $100: act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB FIRST: TRAVELING FOR FREE USING CREDIT CARD CHURNING POINTS Credit cards will offer “points” or “sign up bonuses” when you meet a minimum requirement. Those points can be used towards free travel, free hotels, or sometimes PROFIT back in your bank account…therefore, if you know how to do this PROPERLY, you might NEVER have to pay for another vacation, hotel, or plane ticket - EVER AGAIN. Resources: NerdWallet - ThePointsGuy - AskSebby - TheCreditShifu SECOND: REVERSE IMAGE SEARCH EVERYTHING YOU BUY ONLINE Most online retailers get their products from the exactly same source, but some charge WAY more money than others just because they have a big name or a fancy website behind them. When you find something you want to click, just right click and “search google for this image.” All of a sudden, every website containing that same image will pop up - and that will allow you to click through and find the same item listed for cheaper somewhere else. THIRD: DON’T BUY SOMETHING JUST BECAUSE IT’S ON SALE. You're not saving money just because it's discounted - at the end of the day, you're still spending. Most people wind up focusing MORE on how much they saved rather than how much they spent…when, in reality, focusing on how much you SPEND is what matters the most. FOURTH: POSTPONE ALL PURCHASES BY 72 HOURS This one is really just about cutting down on impulse purchases that you make without really thinking about it. If there’s something you want, just wait 72 hours to buy it. After that, if you still want it, AND you’ve found the cheapest place you can get it…then go for it. FIFTH: ONLY DRINK WATER Not only is this cheaper for you - but it’s also HEALTHIER for you. There have been SO MANY STUDIES conducted on the health risks of drinking sugary drinks and sodas and how they effect you. Just regular filtered tap water is good enough! SIXTH: ALWAYS MAKE YOUR OWN COFFEE: us-channel.com/down/1q6ulqmsk6KB0Ks/video The average American spends $1100 PER YEAR on coffee..and more than 45% of 18-23 year olds have spent MORE MONEY ON COFFEE than they have on their retirement, and 35% of 24-35 year olds have done the same. I always make coffee at home! SEVENTH: I ALWAYS BUY GENERIC BRAND ITEMS. A LOT of big brands source their product from the EXACT same places that supply the more expensive, name brand items. For example, Kirlkand Signature Coffee is roasted at the Starbucks Coffee Company. Kirland batteries are actually made by Duracell. EIGTH: NEGOTIATE CAR INSURANCE RATES I’ve personally saved over $100 per month by shopping around car insurance rates, moving from AAA…to Gieco…to Mercury…and now, I’m with Tesla Auto Insurance. NINTH: EAT DURING HAPPY HOUR The earlier or later it is, the less busy restaurants are…and, most of them try to fill this empty space by offering a “happy hour” with discounted food. Now, this is a fantastic option for you to capitalize on this and save the money just by finding places with good happy hour menus, and showing up to eat a bit earlier. TENTH: THINK: WHAT'S THE FUTURE VALUE? For example, instead of spending $100 on a pair of shoes TODAY…that could be worth $1478 in 35 years if it’s invested at an 8% return. Or, spending $300 per month leasing a car every year could ACTUALLY be worth $723,000 in future money if you just invested it during that same timeframe. When you begin putting things in THAT perspective, you begin to realize that every dollar you spend TODAY is really worth $14 in the future. HONORABLE MENTIONS: Watch the video ;) For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
EVERYTHING WRONG With Tesla Autopilot
EVERYTHING WRONG With Tesla Autopilot
Month ago
I recently purchased the $8000 Full Self Driving Feature on my Tesla Model 3 - here is my review from that and whether or not I think it's worth it. Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB AUTO LANE CHANGE: Overall…I’ll admit, it’s a COOL feature to have, but lets be honest…I’d rather do it myself and save the $8000. And maybe I’m just new to this whole auto-pilot feature thing, but when you’re surrounded by other cars - the autopilot isn’t as “smooth” or “intuitive” as a normal driver would be. But, I trust this will improve over time. NAVIGATE ON AUTO PILOT - BETA Navigating highways IS really neat, but would I pay $8000 for it? Probably not. I think it’s really useful in the grand scheme of things, once FULL autonomous driving becomes a thing - but, as it stands right now, it’s fun to use, but I’d rather save the money. AUTO PARK: The Self Parking Feature was really cool and precise, but lets be real - a lot of cars are enabling this as a feature, so it’s not UNIQUE to Tesla, per se…it’s also someone difficult to find that “Sweet Spot” where Tesla recognizes that as a spot to park, so if you’re in fast traffic and need to “Adjust” so that it’s ready to self park - it might take too long to actually be very practical. SUMMON FEATURE: This is awesome, and I can definitely see how someone could get a lot of use from this. Sometimes I just hate going and sliding myself in the side to get to my car, so using THIS would be a perfect way to bring the car out. It’s also ideal if you’re parked in a tight spot, or someone pulls in next to you without leaving a lot of room for you to get in and out…this will FOR SURE come in handy. Is it worth $8000? Well, that just depends how nimble you are to climb into your car… SMART SUMMON: Tesla says “your car will navigate more complex environments and parking spaces, maneuvering around objects as necessary to come find you in a parking lot.” I’m disappointed this wouldn’t work on a larger distance. As it is right now, you have to be somewhat close to your car for this to even work…and, at that point, you may as well just walk all the way to your car instead of standing there with your phone out, getting the car to come to you. Maybe at some point they’ll expand the radius, and I get that this is all just a beta mode…but, my only complaint is that I can’t do this from a further distance. TRAFFIC AND STOP SIGN CONTROL - BETA This identifies stop signs and traffic lights and automatically slows your car to a stop on approach, with your active supervision. This was the biggest disappointment from the entire experience…I would expect, for $8000…they would tell you upfront that you need a hardware upgrade for this to work, and would need a service appointment to get the features you pay for. It’s not the end of the world, but I was looking forward to getting to try everything out at once and test the stop sign and stop light feature…I’ll make the appointment and get back to you, though. As for whether or not this $8000 upgrade was “worth it” …I’ll be honest…no, not as it is right now. I understand that $8000 is just the price to “Get in now” before full self driving is a thing, and by that time - this could very well be worth $15,000 or $20,000 for a car that just completely runs itself…but the risk you’re taking is, how long is THAT going to happen? Is it next year, 5 years from now, 20 years from now, and what’s the opportunity cost of buying into a feature that isn’t fully functional yet, versus investing that money? HOWEVER…it IS worth it for people who plan to keep their car long term, and expect more autopilot features to become available before he again raises the price…and, he will. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The Upcoming Stock Market Collapse | Round 2
The Upcoming Stock Market Collapse | Round 2
Month ago
When it comes to investing in 2020…here’s everything you need to know, WHY the stock market seemed to sell off out of nowhere, how this is SPECULATED to be the doings of a company called SoftBank, and then we’ll talk about Tesla. Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get A FREE STOCK ON WEBULL worth MINIMUM $8 (up to $1600) when you deposit $100: act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB First, we need to talk about SoftBank - because this could, in theory, explain SOME of the recent run up in the stock market - and then, the subsequent, quick decline. For anyone who’s not aware, Softbank is an investment conglomerate and holding company worth somewhere around $113 BILLION DOLLARS…and lately, they seem to be the center of a lot of controversy. An article just published by CNN explains how SoftBank could be the NASDAQ “whale” that has the power to manipulate the entire market - and here’s how that works. SoftBank invested $4 BILLION DOLLARS into certain tech companies through what’s known as a call option - this means SoftBank pays a “Small Fee” for the RIGHT to buy a certain stock, at a certain price, by a certain date. When SoftBank invests $4 BILLION DOLLARS into the market place buying up specific stocks all at once…they have the power to POTENTIALLY MOVE THE ENTIRE MARKET alongside with it, because SOMEONE ELSE needs to buy those 100 stocks to make the transaction. That now gives the theory that - possibly - traders like this have the power to influence and move the market, either up like we’ve seen recently - or down, when they begin to sell. As far as what you can do about it - HONESTLY, I don’t see this as a big deal. Drops like this are NORMAL, they’re not causes to panic, and as long as you have a plan to hold your investment LONG TERM - just see these little dips as “flash sales,” buy more - and hold on long term. In the big picture, it doesn’t matter. BUT, if you’re investing in risky stocks with no knowledge of what you’re investing in, and you’re only buying in because you don’t want to miss out on the hype money train…then yeah, you’re better off selling, and holding out until you have a better grasp of your investments, and this should NOT be a market to gamble money you can’t afford to lose. ONLY invest in stable funds or stocks you REALLY know the fundamentals of, long term - and that’s it, for 99% of you watching. Buy and hold, as they say… Finally…lets talk BRIEFLY about Tesla NOT getting into the SP500, and now it’s subsequent 35% DROP in a matter of a few days. Now, here’s the thing - in order to be eligible for SP500 inclusion, a company must hit a few key criteria points, one of which being that they’ve had 4 quarters of profitability - which, TECHNICALLY, Tesla just hit. HOWEVER…just because a stock meets all the criteria of getting into the SP500, doesn’t mean it’s automatically going to be added in. There is a committee of 9 members that meet every month to decide on who gets added - and who gets removed - from the index, and how they vote which stocks get added or removed isn’t known and isn’t published ahead of time. It’s speculated that Tesla is just too volatile to be added to the index quite yet, and for a stock to swing + or - 35% in a few days, at a hundred billion dollar valuation, isn’t quite something best suited for positioning within an index. In terms of where we stand today - I’m not too shocked that the markets have fallen so much over these last few days. The stock market has risen nearly every single day for almost 2 weeks straight…there’s no “REAL REASON” for that, and as illogical as the stock market is - just like we can’t question why it’s going up, we can’t reason why it’s going down - it just does what it wants, and it’s up to us to enjoy the ride, have fun watching it - but, at the end of the day, the ONLY thing we can do is consistently buy and hold - that’s it. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The Housing Crisis Just Got Worse
The Housing Crisis Just Got Worse
Month ago
Today we're going to talk about the real estate housing crisis and the newly enacted eviction protections - Enjoy! Sign up to Morning Brew for free today: cen.yt/morningbrewgraham2 Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Under the new eviction freeze, this encompasses ALL rental units until December 31st, and applies to all tenants who earn under $99,000 per year as a single person, or $198,000 as a married couple annually. After reading through the entire memorandum, it’s become apparent that the REASONING behind this is that - as people move from their house into closer quarters, they risk getting the “the illness,” and then giving it to others - so, the motivation is for the health and safety of all of us, as a society. s3.amazonaws.com/public-inspection.federalregister.gov/2020-19654.pdf The tenant must also self certify that they’re making timely partial payments that are as close to the monthly rental amount, within their means…so, if rent is $1000 per month and the most the tenant can pay is $200 per month - this memorandum says you should be paying whatever you can. This is rather subjective as to what’s reasonable to pay given the circumstances, but they leave that to you to decide. The big glaring problem with this, however…is that - when this is over - rent is still due, at which point, we’re right back to square one, and even though this is a fix RIGHT NOW - it’s more like kicking the can a little further down the line, at which point - we’ll still have to deal with the exact same problem, but in the future. From a numbers standpoint, a Harvard Study found that there are 43 million renters in the United States…and the National Multifamily Housing Council found that, overall, most tenants ARE still paying their rent, even after the unemployment benefit ended. They collect data from 11 MILLION apartments every month, and as we can see…last year, about 96% to 97% of tenants have paid their rent in full by the end of the month. THIS YEAR, that’s hovered about 95% to almost 96%. Even as recent as August 27th, 92.1% of tenants have paid their rent in full…that’s only slightly below the 94% that paid rent in full by the same time, last month. www.nmhc.org/research-insight/nmhc-rent-payment-tracker/ Now, keep in mind - this doesn’t count partial payments or payment plans - but, overall, as we can see - missed rent hasn’t dropped THAT much from the last year, BUT - the big change is that those non-paying tenants can no longer be evicted. That means, if we have 43 million renters - and 6% of them are not paying in full - that’s about 2.5 million renters who are behind on their payments and protected by non eviction, and that’s about 400,000 MORE than we had at this same time, LAST YEAR, pre-illness. The GOOD news…or the silver lining here…is that we’re unlikely to see a “Wave of foreclosures,” because the vast majority of home owners have plenty of equity in their home if they decided to sell. This study found that, overall, only 6.2% of loans were under water. www.nationalmortgagenews.com/news/mortgage-equity-report-in-second-quarter-2020-finds-fewer-are-underwater If we calculate this into real numbers, there are 128 million households in the United States…and 60% of those have a mortgage. That means, 76.8 million mortgages…6.2% are underwater…and that gives us 4.7 million homes at risk of foreclosure, or 3% of all homes in the United States. That’s why I believe this is UNLIKELY to lead to any type of catastrophic real estate collapse on a large scale, but it DOES mean that SOME people - both landlords AND tenants - would likely get hit VERY hard, and here’s what you can do about that: For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
My Response To Michael Reeves | The Full Story
My Response To Michael Reeves | The Full Story
2 months ago
Today we're going to speak with Michael Reeves - a computer programmer turned US-channel Entrepreneur - and see how he spends and invests his money - Enjoy! Add me on Instagram: GPStephan Michael Reeves US-channel: us-channel.com/will/tHaxi4GTYDpJgMSGy7AeSw.html Michael Reeves Instagram: instagram.com/michaelreeves808/ Michael Reeves Twitch: www.twitch.tv/michaelreeves LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The 7 BEST Side Hustles To Start ASAP
The 7 BEST Side Hustles To Start ASAP
2 months ago
Here are the 7 income streams of millionaires, how to make passive income, and how to build your wealth - according to a study from the IRS. Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB The first: EARNED INCOME from a paycheck. This is where almost EVERYONE starts off, and it’s the equivalent of you working a “normal” 9-5 job, or being paid a salary, or working a commission as your main source of income. This type income is generally going to be your priority until…everything else starts making more money… The SECOND source of income: DIVIDEND INCOME This is probably the EASIEST “Second Income” source for nearly ANYONE watching to start literally RIGHT NOW. Here’s how that works: when you buy a stock, what you’re REALLY buying into a small ownership share of that company. Now that you own a small piece of the company by investing in their stock - some of those companies will pay you out a “dividend,” which is a fancy word for saying: they’re going to pay you a portion of their profits, because you own a small piece of their company by buying their stock. The Third: CAPITAL GAINS. This is what happens when you sell an investment for a profit - and when that happens, you’re taxed on “CAPITAL GAINS,” which is the difference in price between what you bought it for, and how much it was worth at the time you sold. This is ALSO another way you can make money by investing in stocks - because, unlike our second source of income - not ALL stocks pay dividends. Instead, many stocks are known as what’s called “Growth Stocks,” in the sense that what they DON’T pay as a dividend generally gets re-invested back into the company, thereby causing the stock price to go UP. The Fourth: INTEREST INCOME. This happens when you keep money in a high yield savings account, or basically ANY bank account that pays you even a remotely small amount of interest - chances are, at the end of the year, they issue you a 1099-INTEREST form with the amount of interest that you earn, so you can report that to the IRS. The Fifth: RENTAL INCOME For most people who want to invest and build wealth, real estate winds up having so many tax advantages that make it REALLY unique - and profitable - for anyone willing to put in the time, and within just ONE property, you could have MULTIPLE income sources. You also have the power to LEVERAGE your money here, where you borrow MOST of the money from the bank. You can also DEPRECIATE the value of the property against your rental income, thereby reducing your taxes. The Sixth: PROFITS FROM A BUSINESS Working on ANY type of side business, that has the potential to grow completely independent from your main job, is not only a good way to make more money - but also, diversify yourself iN CASE something happens to your job and you have nothing to fall back on. The Seventh: Royalty Income With this, you get paid a licensing fee for selling the rights to a product, service, song, or something that you’ve created. You can absolutely work to create something ONCE, that you can then continually re-sell in the future as long as people will buy it. I know it’s WAY easier said than done, but things like online programs, e-books, US-channel videos, or blogs can often be setup ONCE - and then - over time, you’ll continue to make money for as long as it exists. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
THE FED JUST BAILED OUT THE STOCK MARKET AGAIN
THE FED JUST BAILED OUT THE STOCK MARKET AGAIN
2 months ago
The Federal Reserve just changed their policy on inflation - here is what this means for investors, the stock market, the real estate market, and your money - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB The Federal Reserve held a meeting yesterday morning to announce their new policy with regard to inflation. Previously, the Federal Reserve has set an “INFLATION TARGET” of about 2% per year. BECAUSE the Federal Reserve has been seeing LESS THAN 2% inflation…and, in this year, we’re basically seeing NO INFLATION …the FED just said: We can let inflation go as HIGH AS IT NEEDS to…as long as we just “AVERAGE OUT TO 2% IN THE LONG RUN.” Think of this like “making up for lost times” - or, encouraging short term inflation, with the expectation that they can bring it down in the future once our economy recovers. In the PAST, if inflation were to exceed 2%…EVEN IF PRIOR YEARS WERE WELL UNDER 2%…the Fed would begin to raise interest rates, and put a stop to rising inflation…but now, they’re going to let it ride for the purposes of bringing up that average, and helping get our economy back to a new normal. Here’s the GOOD news… FOR INVESTORS: This COULD MEAN the value of your investments could be going up. That’s because, GENERALLY speaking, asset values like stocks and real estate RISE with inflation…that’s because, as more money is available within our economy, either from lower interest rates or more currency going into circulation, usually that money is spent and dispersed back into the economy, where it inadvertently boosts up stock and real estate prices as people spend and earn more. Secondly, for anyone holding onto loans, especially MORTGAGES - this is a GOOD THING. If you have a 2% mortgage on your property, but INFLATION is 3% per year - that means INFLATION is actually making your mortgage CHEAPER to pay off every year, by eroding away the amount you owe on it. Third, high inflation also makes our national debt EASIER to pay off to the point where - the longer you DON’T pay it off - the cheaper it becomes. So, overall…the WINNERS here are the people who have investments, who take out well calculated, low interest fixed rate loans, and who just HOLD ON to their investments as long as possible. HOWEVER - Not everyone will be a winner, and there are some consequences to this… The first person who’s going to lose from this is the person who isn’t investing their money. If you haven’t been investing your money this year…your money has ALREADY lost its purchasing power compared to where we were in January, in terms of stock and asset prices. Second, people who are SAVING MONEY are also going to lose in this situation. Because the federal reserve is encouraging more inflation, that means that your savings are going to be worth LESS each and every year that you don’t either spend or invest it. Now, don’t get the wrong idea - it’s ALWAYS a good idea to hold some cash on the side in case of an emergency or for your normal expenses - BUT, you should always aim to keep that money within a high yield savings account, so it doesn’t lose AS MUCH value. That means, the BEST course of action RIGHT NOW is just this: One: Don’t keep TOO MUCH CASH on hand without having a short term purpose for that money. Second, keep investing your money and then - JUST HOLD. That means that you should ONLY invest money that you know you won’t be touching for at least 10 or 20 years, because who knows what will happen in the short term. And third, it’s also just as equally important to stay employed, continue to grow and expand your skills, and negotiate a competitive salary as often as you can to make sure you’re fairly compensated for your work. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Why I'm Finally Spending Money
Why I'm Finally Spending Money
2 months ago
Here's a breakdown of EXACTLY how much I spend every month, my philosophies on saving money, and how my spending has changed in 2020 - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB BREAKDOWN: Car Insurance: $125 per month Gym Membership: $0 Per Month (Temporarily) Health Insurance: $230 Per Month Phone Bill: $70 Per Month Internet: $75 Per Month Utilities: $260 Per Month Gardener: $150 Per Month Food / Dining Out: $400 Per Month Other: $200 Per Month Housing: $7700 per month (Not including rents, equity, tax write offs, etc) Tesla Model 3 Car Payment: $630 (Not including equity, tax write offs, etc) Business Expenses: Teachable: $99 per month Insurance: $150 per month S Corp / LLC Filing Gees: $150 per month Tax Filing Fees: $200 per month Zoom, Storage, etc: $100 per month Credit Card Annual Fees: $130 Per Month Full Time Help / Jack: $7500 Per Month So, when it comes to everything…these are two big main takeaways that I have learned throughout all of my experiences saving and investing, it just comes down to this: First, I only view my income as not how much I make, but instead - how much that money makes ME. For example, if I earn $10,000…I don’t see that as $10,000…instead, I’d see that as $50 per month in passive income when I invest that money into buying a rental property at a 6% return. By that logic, if I’m able to invest $50,000…that’ll cover the basic grocery bill for pretty much the rest of my life. If I can get $350,000 invested in a rental property…that’s enough passive income to cover a 1 bedroom apartment in Los Angeles in a good area. And at $1 million invested…that’ll replace the average annual salary from most full time employees. I challenge you to start thinking the same way, as well…this will make the aspects of saving and investing so much easier, and over time - you can replace all of your expenses by having your money do all the work for you. Second, beyond the essentials…I only try to buy things that I can put to work that will make more money, or can be seen as an investment. For example, I consider the computer that I’m editing on right now to be a good use of money, that helps expedite the work I do. Or, buying an extra camera to film on so I could get a second angle for The Graham Stephan Show…or, paying extra to create a brick veneer for the background of my videos so they’re more visually appealing…or, even something like this house that I bought, I find it much more relaxing to work outside and come up with new content - and when I feel more at ease, I tend to produce better quality. If you can find a way to coordinate your expenses around things that will help INCREASE your productivity or income, it can be absolutely worth it. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
6 Millionaire Habits I Wish I Knew At 20
6 Millionaire Habits I Wish I Knew At 20
2 months ago
These are my most honest, common sense lessons that everyone needs to learn at some point or another that will not only help make you more money, but also just become a better, more well rounded person - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB First - The WORST thing in your 20’s is living above your means. From my perspective, if you want to set yourself up for the rest of your life, financially…your 20s are the absolute BEST time to live below your means, delay gratification, and save religiously. Not to mention, practically…no one expects you to live lavishly in your 20s, anyway. You can easily get away living with room mates, driving an old car, wearing sweatpants every day, and not eating out because MOST people do that in their 20’s, anyway. So embrace it - and lean into that stereotype because you can only get away with that for so long before it starts being less socially acceptable. Second - DON’T IGNORE YOUR CREDIT SCORE - us-channel.com/down/uKab0djUop17las/video - FULL VIDEO ON CREDIT SCORE If you don’t have any credit whatsoever right now, just go and sign up for a discover it secured credit card with a $300 limit, put a few minor expenses on the card every few months, and pay it off in full. Seriously, building your credit is actually THAT easy. It’ll take you MAYBE 2 minutes PER MONTH to do this, and as long as you slowly add more no-annual fee credit cards into the mix every 6-8 months and pay your bill in full and on time, you can EASILY get a PERFECT credit in 2-3 years for $0 out of pocket. Third - Don’t want for things to happen Here’s what you need to know: Nothing will happen if you don’t take the initiative to MAKE IT HAPPEN. And this is a shame because NO ONE IS TAUGHT HOW TO GO AFTER THEIR OWN GOALS…ON THEIR OWN…WITHOUT BEING TOLD WHAT TO DO. If there’s something you want - it’s up to you to make it happen. If you have a goal, you’ll need to actively work towards it. There’s no deadline, there’s no homework, there’s no test…it’s just YOU, for better or for worse. You need to learn to hold yourself accountable for everything you do, and ONLY YOU will keep yourself on track. Fourth - Don’t play it too safe and take some risk business, moving careers, because every new experience will come with knowledge you can use in the future. Not to mention, getting in the habit of putting yourself in uncomfortable situations NOW is going to make it SO MUCH EASIER to continue doing that in the future - and those are where your BEST opportunities usually are. Fifth: No one has any idea what they’re doing So, just take comfort knowing that you’re not alone if you’re still figuring things out, or if you’re disappointed you don’t feel like you have it all figured out - that feeling probably won’t go away, but once that you know everyone feels that way and it’s NORMAL - it gets easier. Sixth: Don’t worry about things that haven’t happened yet Instead - in your 20s - spend your time thinking about the MOST LIKELY SCENARIO, and think about how you work TOWARDS something - not how can you work AWAY from something. Mental energy is something that goes a LONG way - and if you’re wasting your time stressing about things that don’t matter, that’s less time that you can focus on what DOES matter and what WILL actually get you ahead. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
How Much Money You Should SPEND (By EVERY AGE)
How Much Money You Should SPEND (By EVERY AGE)
2 months ago
Here is how much you should spend by every age, the 50 / 30 / 20 budget rule, and the best strategies to save money and invest to build wealth - enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Now, when it comes to SUCCESSFULLY managing your money and growing your wealth so you’re not living paycheck to paycheck, this is probably the most widely used RULE OF THUMB out there: It’s called the 50 / 30 / 20 Rule. You take your AFTER TAX INCOME and divide that income up as follows: 50% of your income should be spent on your NEEDS - or, in other words, things you absolutely HAVE TO HAVE. 30% of your income should be spent on your WANTS - these are things that you don’t NEED to have, but they’re NICE to have: 20% should be spent on savings, investing, debt repayment, and so on. HOWEVER - here are my thoughts: I personally believe the best budget and way to save money is using the 50 / 10 / 40 approach: 20% SPENT ON HOUSING Most experts are quick to suggest that housing your housing payment shouldn’t exceed 1/3rd of your income. Although I’d MUCH rather suggest that you spend - AT MOST - 25% of your income on housing, and - if at all possible - aim to spend more like 20%, or as little as you possibly can. 10% TRANSPORTATION The conventional wisdom is that your TOTAL cost of transpiration shouldn’t exceed 15% of your income, and the total PRICE you pay for a car shouldn’t exceed 35% of your annual salary. INSTEAD, I much prefer the DAVE RAMSEY approach when it comes to how much money to spend on transportation: He recommends that your transportation cost NOT EXCEED 10% of your annual income, you should ONLY buy USED cars until you have a net worth over $1 million dollars, and I would go so far as to say the value of the car you buy should be LESS than 25% of your annual income. 10% FOOD or $600/MO - whatever is less That’s why I believe a 10% food budget is OKAY when that adds up to less than $500 per month…but, once you start making more money, your food budget doesn’t need to go up alongside your income. 5% Health Insurance Health insurance can easily be 5% of your income…or, about $200-$500 per month for a single person depending on your age, location, and health insurance provider. It’s hard to put a “maximum amount” to spend here because you shouldn’t be cheap with your health…but, we’ll just round this off to 5% to be on the safe side. 3% Utilities - $500 or LESS Generally, for most, you’re looking at around $50 - $250 per month - again, depending on your location and how hot or cold you like to keep your house. Or if you do laundry during off peak electrical hours. 10% FUN / ENTERTAINMENT OR WHATEVER I think it’s ABSOLUTELY reasonable that 10% of your income can be spent, without thinking about it, on whatever fun purchases you want to make, as long as this is budgeted for. It IS important that you have some money left over just to splurge, and spending 10% is just enough to “get it out of your system” without getting carried away. 42% SAVINGS The first thing I would do is save up a 6 month safety fund, in cash, held within a high interest savings account. But once you’ve done that, your remaining savings should go towards maxing your your 401K up to your employer contribution limit. After that, the next $6000 you invest should go towards maxing out your Roth IRA. From there, any money you have left over should go towards a TAXABLE INVESTMENT account or some other type of investment that will grow over time. At a 42% savings rate…you’d EASILY be able to retire in just about 20 years from the 4% rule like I mentioned earlier…meaning, if you start doing this NOW at 20 years old…by the time you’re 40…you will be nearly ready to retire, if you want to. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
THE 2020 STOCK MARKET BUBBLE | HOW TO INVEST NOW
THE 2020 STOCK MARKET BUBBLE | HOW TO INVEST NOW
2 months ago
The Stock Market is now back in a bull market after experiencing the shortest bear market in history - this is what that means and how you should invest from here - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB The Average Bear Market lasts just under 1.4 years, with an average loss of about 41%… throughout history - there are ALWAYS going to be times that prove to be an outlier, and most of the time - the market is never just going to follow “the average” every time. www.getrichslowly.org/wp-content/uploads/29562781417_6390f05cd0_c.jpg The previous bear market record holder before TODAY was back in 1990, where the markets dropped about 20%…and then rebounded within 3 months, leading us through a VERY strong bull market for the following 8 years. awealthofcommonsense.com/2018/12/the-forgotten-bear-markets/ But, that doesn’t mean that JUST because we’ve entered a bull market that we’re going to see a run up in the markets for another 48+ months…if we start going back in history, things get VERY interesting…since 1940, the shortest Bull Market we have EVER HAD was just after the Dot Com bubble where the markets rose 21.4% over 3.4 months, before then declining another 33.8% during the FOLLOWING 9 months. www.ftportfolios.com/Common/ContentFileLoader.aspx?ContentGUID=4ecfa978-d0bb-4924-92c8-628ff9bfe12d During the 1920s and 1930s, there are plenty of examples bull markets lasting just DAYS…like, a 23 DAY LONG Bull market, with a 25% gain. After that, there was a 42% drop…followed by another 1 months of a bull market going back up 30%…although, if we remove the volatility and simply base things off of a 6 month rolling time period…the shortest UNINTERRUPTED BULL MARKET we’ve had was 2.5 years. www.cascadefs.com/wp-content/uploads/2019/01/Bull-and-Bear-Markets-9-28-18.pdf So, just given this context...even though, on average, bull markets do LAST LONGER than bear markets…history has shown us that volatile could absolutely exist, and seeing drops or gains of 20% in either direction isn’t as uncommon as you would think along the way. After that - lets talk about APPLE and TESLA STOCK SPLIT. So, why, all of a sudden, are stock splits sending the price even higher? Well…honestly, it’s for a few reasons - but the easiest, most likely answer is that it’s PURELY PSYCHOLOGICAL, and investors feel like the stocks have more potential of making money the cheaper they are. As for whether or not stock split companies have a history of continuing to rise in price…the answer is, it’s unclear. Generally, stocks only split when they’ve seen a large increase in price, and they believe their stock will continue to grow in value…but, also, NOW, a stock split seems to me like a reason for people to pile in, creating the self-fulfilling prophecy that it will go up because others will buy it. Finally - de-listing of NON US Companies on the stock exchange. The US wants to put strict regulation on what companies we can invest in, because they’re concerned that US Investors would be at risk of potential issues. When it comes to this, I’m a believer that transparency and openness IS EXTREMELY important when it comes to investing in a company - and there SHOULD be third party, verifiable audits if they’re a publicly traded company. But, right now - there isn’t a way for us to do that on a wide scale, HERE. Depending on who you ask, this might be a move in the right direction for further transparency and it could weed out some of the bad apples - but, it also sets the precedent that everyone must comply with these regulations, otherwise you won’t be listed on the US Stock Exchange. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
How Much I Make From 6 Rental Properties
How Much I Make From 6 Rental Properties
2 months ago
SimpliSafe is award-winning home security that keeps your home safe around the clock. It’s really reliable, easy to use, and there are no contracts. Check out SimpliSafe here: simplisafe.com/graham - Thanks! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Entire video summed up for my real estate investing - SO FAR, I have INVESTED ROUGHLY $756,000 OUT OF POCKET through down payments and renovations…and that made me a total of $2,158,800 in profit through home appreciation, rent, and mortgage payment. That works out to be just under $270,000 per year, ON AVERAGE, each and every year in profit. That also works out to be an OVERALL return of 285% for my real estate investments between 2012 and 2020. Obviously, most of that money was invested between 2016 and 2019…but, still, that’s our average. In terms of cashflow from this…my NET return between rent and mortgage equity is about $9400 per month, so on that $756,000 originally invested…that works out to be a 14.92% annual cash return on my money, NOT accounting for home appreciation. HOWEVER: One, real estate is a leveraged investment - meaning, I can BORROW most of the money I need from the bank at a low interest rate, and that will increase my returns. This is something that’s not as COMMON to do with the stock market, and you certainly don’t get the tax benefits of depreciation and a locked in interest rate like you do with owning a house. Two, real estate is a lot of work - this was not a PASSIVE investment, BY ANY MEANS, until it gets rented out - and even then, it still requires a little work from time to time. These were all deals I spent a considerable amount of time finding and fixing up - so, it’s a little unfair to compare that with stock market investing which is nearly entirely passive if you just buy an index fund and hold it. Three, I’m comparing this with an SP500 index fund…which, lets be real, is a safe and stable investment long term without much upfront work. But, had I picked individual stocks and gotten lucky….I would have made MORE money during that same timeframe. So, at the end of the day…based on all of this, YES - picking individual stocks CAN make you more money, OR you could end up losing more money. But, real estate, CAN be a relatively safe and stable return compared to a broad index fund, IF you’re willing to put in the work, and ONLY buy properties with potential for IMMEDIATE upside. Real estate investing can be absolutely phenomenal, and now that I’ve added up my total returns…it makes me want to continue buying just EVEN MORE REAL ESTATE…and smash the like button! :) For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
STOCK MARKET REACHES ALL TIME HIGH | DO THIS NOW
STOCK MARKET REACHES ALL TIME HIGH | DO THIS NOW
2 months ago
The SP500 just recently reached on its all time high - here's why this happened and whether or not it's too late to invest in the stock market - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For an index like this, the index is weighted by a companies TOTAL market value….so, the more valuable the company is, the more influence that company has on the ENTIRE SP500. Something like this is REALLY, REALLY important to understand - because out of the top 500 publicly traded companies…the 5 LARGEST ones make up more than 20% of it’s ENTIRE VALUE…those companies, in order, are Apple, Microsoft, Amazon, Facebook, and Google…Then, the other 495 companies make up the remaining 75% of the value. www.slickcharts.com/sp500 When you look at the breakdown of the SP500 over the last 12 months…you’ll notice that MORE THAN HALF of these companies are DOWN year over year…or, 298 out of 500 to be exact. So, when you see that almost 300 companies have LOST value…but, the SP500 still continues rising higher…it makes you realize that, all of a sudden, those smaller companies in the index don’t matter as much because they don’t hold as much value, relative to the larger stocks in the index…and THOSE are the stocks that are doing really, REALLY well. www.finscreener.com/screener/top-gainers/stocks/sp500?&o=14 Well…as far as what this means, and what you can do with all this information…the answer is…you just keep buying. The best strategy for most of you watching is to invest in an index fund, like the SP500….that way, you’re buying into 500 different businesses and you’re MORE than diversified across dozens of different industries, even IF 20% of that is still led by 5 companies…and THEN, almost don’t pay attention to where it’s trading, as long as you make a schedule and invest consistently long term. That’s it. It’s more important to realize that stocks will almost ALWAYS, CONSISTENTLY, hit new all time highs over and over again as these companies continue to grow. EVEN if you invested RIGHT before the Great Recession in 2007 at SP500 1557…sure, in hindsight, you lost money short term…but that’s assuming you only invested ONCE and never again. The reality is that, most likely, you would continue to buy in every month…thereby buying in CHEAPER AND CHEAPER every time you buy more. You would be buying the market ALL THE WAY down to the very bottom, and riding it all the way back up as the market recovers. Plus, instead of being FEARFUL about drops in the future…you should look forward to them, in a way. When there’s such an intense correction, see it as though you’re getting a discount on EVERYTHING. From my experience…the best days to buy more are ALWAYS those days you feel like throwing in the towel because prices keep dropping. OR…every time you think “oh, I’ll wait because it’ll drop even more” - that’s usually a good sign you should buy now. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
WHAT JUST HAPPENED WITH YOUR STIMULUS CHECK
WHAT JUST HAPPENED WITH YOUR STIMULUS CHECK
2 months ago
Today we're going over the new executive orders - the status of the stimulus check and stimulus package - and what this means for you. Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB First, we have what’s known as a “Payroll Tax Holiday” This is an executive order for employers to temporarily defer Payroll Taxes with their employees, which would effectively give them MORE money left over with every paycheck. This new executive order would DEFER those taxes from September 1st through December 31st of this year for workers earning $4000 or less bi-weekly, before taxes.HOWEVER… as of RIGHT NOW, the Payroll tax WILL NEED TO BE PAID BACK in 2021, so even though you’re getting more money upfront…unless anything changes, you’ll have to pay it back. New EVICTION PROTECTIONS for tenants: www.whitehouse.gov/presidential-actions/executive-order-fighting-spread-covid-19-providing-assistance-renters-homeowners/ What this DOES is give power to the Secretary of Health and Human Services, and the director of the CDC, to consider whether any measures of halting eviction is REASONABLY necessary to prevent the further spread of the illness. Extended Unemployment Benefits: www.whitehouse.gov/presidential-actions/memorandum-authorizing-needs-assistance-program-major-disaster-declarations-related-coronavirus-disease-2019/ This calls for a $400 per week Unemployment Benefit ending no later than December 6th, 2020 - under this, the federal government would supply $300 per week, and the state you reside in would provide the other $100 per week. In order to be eligible, according to this executive order, the recipient MUST be eligible for at least $100 per week of unemployment compensation. That means some people, in certain states, would be under that $100 per week threshold - and therefore, not eligible for the extra $400 per week. Finally - STUDENT LOANS. www.whitehouse.gov/presidential-actions/memorandum-continued-student-loan-payment-relief-covid-19-pandemic/ It’s been ordered that all student loans held by the Department of Education be deferred until the end of the year, interest free. Just remember this doesn’t apply to privately held loans, so if that’s you - this executive order won’t affect you. TECHNICALLY - these executive orders CAN be challenged in court, and that would delay these benefits from going into affect. On a smaller scale, there are also some issues with all of these that need to be brought up for anyone wanting a full scope on the realities of how this will play out: With the payroll tax holiday, it is only deferment - so the money needs to be paid back. It’s also the EMPLOYERS who are responsible for withholding this tax and making sure it’s paid, so it might create a logistical tax NIGHTMARE if they’re not able to collect this money BACK, or make sure it’s paid by the 1st of the year. So most employers, out of caution, would chose NOT to give their employees their payroll tax knowing that - most likely - they’ll just have to pay it back a few months later. Second, the housing protection isn’t really an eviction or foreclosure protection at all - it only gives the authority to someone else who has the power, at their discretion, to enact protections - IF NEEDED. Third, the unemployment benefit is likely the most substantial from all of this - BUT, it’s estimated that - as it’s written - there’s only enough funding to last for about 5 weeks, given the $44 billion dollar limitation . www.washingtonpost.com/business/2020/08/09/heres-what-is-actually-trumps-four-executive-orders/ AND…if and once the senate passes a full stimulus relief package…that will over ride these executive orders, so this may only be temporary until something more permanent goes into effect. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
I FOUND THE BEST BANK ACCOUNTS OF 2020
I FOUND THE BEST BANK ACCOUNTS OF 2020
2 months ago
Today we're going to be discussing the best bank accounts of 2020 - that pay you the highest interest rates possible - and you can see which is right for you. Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB FIRST: Capital One 360 Savings Account 1% interest Rate - No Fees - No Minimums. The good news with Capital One is that they also have a totally free CHECKING ACCOUNT, as well…which, is slightly different from some of the other banks I’m going to mention here, which only offer a SAVING account. That pays you 0.1% interest. SECOND: American Express Savings 1% Interest Rate - No Fees - No Minimums However, with American Express - even though you’re getting a 1% interest rate, this account is JUST MEANT TO BE A SAVINGS ACCOUNT and that’s it. Unfortunately, they do not offer a checking account - so, you’re not getting any debit card, and you’re not getting a checkbook…it’s only a linked account online that you can transfer money into, earn that 1% interest - and then whenever you actually need access to the money, you can transfer it out and to another bank of your choice. THIRD: Ally Bank 1% Interest - No Fees - No Minimums Ally Bank is a full on bank - and they have checking accounts. Those checking accounts also pay interest..If you keep less than $15,000 in the account, they’ll pay you 0.1%, which is the same as the Capital One 360 account - EXCEPT, once your balance exceeds $15,000 - they’ll raise your interest rate to .5%. Ally Bank is also a lender, so you can get a loan through them if you decide to do that. And they’re also an investment platform with $0 stock trades. So, in a way - you can get everything money-related done in one spot, from your checking account, stock trading account, and loan account. FOURTH: Vio Bank 1.04% Interest - No Fees - $100 Minimum to sign up HOWEVER…the downside is that, like American Express - this is ONLY an online savings account, which means no debit card, no checks, and if you want to get your money in or out - you have to setup a bank to bank transfer which will likely take a few days to complete. FIFTH: Redneck Bank 1.1% Interest on first $10,000 - No Fees - $500 Minimum to sign up They also have - instead of a savings account - a money market account, that pays up to 0.85% on balances up to $50,000. SIXTH: Varo Bank 1.21% Interest - No Fees - $500 Minimum to sign up They’ll also LET YOU potentially earn up to 2.8% interest, up to a $10,000 balance….if you meet the minimum criteria. To do that within their savings account, you must make at least 5 debit card purchases in a month - which, most people do super easily just by buying $5 amazon gift cards, FYI. You must also have at least $1,000 worth of direct deposits going into the account. And the account CANNOT EXCEED $10,000. So, OVERAL…this is still a GREAT option, and the 1.21 to 2.8% interest rate makes a LOT of cents for anyone with less than $10,000 and doesn’t mind jumping through a few small hoops to get the higher interest rate. LAST: T-Mobile 4% Savings Account First, the 4% interest rate is ONLY available to T-Mobile customers…so, if you’re not with T-Mobile, this rate won’t apply to you. Second, the interest rate is ONLY available for the first $3000 in the account - after that, you’ll earn 1% interest. Which is still REALLY, REALLY good…but it’s far from the 4%. Third, you’ll also need $200 per month in direct deposits into the account to be eligible. If you can meet all 3 requirements, then YES - 4% is an AMAZING rate to get, even if it’s only up to the first $3000 - and for T-Mobile Customers, as long as you don’t mind opening up an account - this is a good one to get. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Your Money Is Losing Value | DO THIS NOW
Your Money Is Losing Value | DO THIS NOW
2 months ago
Lets talk about Inflation so that you can understand exactly what’s going on, how this works, what this means for you, and how you can USE THIS INFORMATION to - most importantly - not lose any money. Enjoy! Add me on Instagram: GPStephan Thank you Grant for the watch! His channel here: us-channel.com LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Now, what initially caught my attention was this headline right here: “The Fed is expected to make a major commitment to ramping up inflation soon” www.cnbc.com/2020/08/04/the-fed-is-expected-to-make-a-major-commitment-to-ramping-up-inflation-soon.html Well…all of it really comes down to a term known as DEFLATION. This is, as you would expect…the OPPOSITE of inflation. This is what happens when the price of everything around us GOES DOWN, and all of a sudden - the longer we wait to buy something, the cheaper it becomes because our money has more purchasing power. In a DEFLATIONARY economy, the prices of goods and services are going DOWN…so, every month, things become cheaper to buy, and if you just HOLD ON to your money…you’ll feel good knowing that it’ll be worth MORE the longer you DON’T SPEND IT. BUT what REALLY ends up happening is that people just STOP spending money, because they know that money is just going to go up in value, so they hold off from buying anything. That causes demand for those goods and services to drop, which further causes people to spend less money, which causes businesses to scale back because they aren’t making as much money, which causes people to lose their jobs or take reduced salaries, and now because they don’t have as much money to spend, they don’t spend anything…and that sends everyone into another, far deeper recession. Inflation, on a small, controlled scale…is a REALLY, REALLY GOOD THING. If people know their money is going to be worth just SLIGHTLY LESS in the future…it’s going to incentivize them to spend it, because if they wait too long - their money is going to be worth less. That’s good for our economy, it’s good for business, and it’s good for wages because employers can generally afford to pay a little more as their revenue increases a little more over time. In the SHORT TERM, deflation could very well happen because businesses are shut down, people are still stuck inside, and no matter how much money the FED introduces into the economy - there needs to be a viable way for people to spend it, otherwise if you print money and just hold on to it - it’s almost as though it doesn’t exist. OR…if you have nowhere to spend it, and you just INVEST your money instead…then the INVESTMENTS begin to rise in value. That leads ME to believe that the BEST thing to do in the SHORT TERM is make sure you have enough saved up to cover 6-9 months worth of your expenses as an emergency fund, preferably held in a high interest savings account - and then, just continually invest consistently into REAL assets like stocks and real estate that should rise on par with inflation long term. That’s it. Some people also say GOLD…but I’m still not a fan of precious metals LONG TERM, and since I’m a long term investor - I like something I can hold on to for 20-30 years and not worry about it under-performing. But remember, in the short term - anything is possible, and the stock market is just as likely to go down as is it to go up - I have no idea, I’m not psychic, and timing the market like this is a terrible idea. BUT…given the last 100 years of data available to us…investing in the markets over a 20 year period has never ONCE produced a negative result, and that’s likely the best choice of action if you believe we’re going to see much quicker inflation once our economy begins re-opening. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
How To Get Rich - Without Getting Lucky
How To Get Rich - Without Getting Lucky
2 months ago
Lets discuss a tweet by Naval Ravikant which goes over the details of how you can get rich - without getting lucky. Enjoy! Add me on Instagram: GPStephan Tweet By Naval Ravikant - twitter.com/naval/status/1002103360646823936 LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Main Take Aways: -Money by itself is NOT what’s going to make you rich, so don’t JUST pursue money. It’s MORE important to own assets that MAKE you money, rather than just trying to get money as the end goal. -Wealth is constantly changing and evolving, money is always going to be flowing from one person to another…and that’s the beauty in it. You CAN make money without doing so at another person’s expense - and the sooner you understand that, the sooner you can begin accumulating wealth. -The issue we ALL faced is that there are only 24 hours in a day…so, beyond a certain point, it becomes iMPOSSIBLE to get ahead by working longer hours. BUT, WHEN YOU INVEST WHAT YOU EARN - your money can begin working independently from your time, and OWNERSHIP in assets like stocks, real estate, and a business is what will build wealth long term - not working more hours. -the internet has really leveled the playing field in terms of who can make money, and from where. It’s no longer dependent that you live in a certain location to build a business, you no longer need a ton of money to open up a physical store, and as long as you can provide a service to someone else - and you find a way to show people the value of what you create - you can make money. -Each day you have the choice to build off the success of the previous day, OR, you can point that arrow down and that’s the momentum you’re going to carry forward. ANYTHING worthwhile is something you need to do consistently, without fail, as often as you can…and when you get that down, that will bring you results. -They say you are the combination of the 5 people you spend the most time with…so, surround yourself with people who inspire and push you to become a better person. If you surround yourself with negative losers, that’s going to subconsciously influence you - if you surround yourself with people who continually improve themselves, that’s going to push you just as much. -if you can’t effectively articulate the benefits of what you have to offer to another person, they will never bother using it - even if it’s the most revolutionary product of our decade. You have to learn how to sell, and whether you like it or not, life is often one big giant sales game. -You are paid in direct proportion to the value you provide, and how easily you can be replaced…the more you make yourself indispensable, the more job security you have, the more you can earn, and the more longevity you will have. -Hiring people requires that someone AGREES to work with you, and even though it’s impressive to say “you have X people working for you” - it’s not always necessary. Instead, running a digital business can continue to work exponentially - without requiring the work of more people. - If you can't code, write books and blogs, record videos and podcasts. Leverage is a force multiplier for your judgement. Judgement requires experience, but can be built faster by learning foundational skills.There is no skill called “business.” Avoid business magazines and business classes. Or, in other words…give value, give entertainment, teach something you know, ADD something to society, learn how to build and sell that, leverage your efforts NOW…and learn by the experience of going out and doing it. These aren’t principles that can be taught in a classroom, and they're often learned and discovered as you go about life...or, as you scroll through twitter or watch youtube videos. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
My Thoughts On The 2020 Real Estate Crash
My Thoughts On The 2020 Real Estate Crash
3 months ago
Here are my thoughts on the 2020 real estate market, where prices are heading in the future, and how I'm investing in real estate moving forward - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Here’s what’s going on right now: mortgage rates have continued hitting historic low after historic low, and that bodes REALLY, REALLY well for real estate. But even though record low rates means there has NEVER been a better time to buy real estate and get a mortgage, fewer sellers want to list their homes for sale, and that’s creating a housing SHORTAGE. Marketwatch included a graph showing the trailing 12 month returns of real estate versus the stock market - and the great financial crisis of 2008 was the ONLY time where real estate experienced a 12-month trailing loss of more than 2%. That means, that - over the long term - real estate as an investment is going to be fairly stable and uneventful, despite what happens with our overall economy. www.marketwatch.com/story/look-what-happened-to-home-prices-when-the-coronavirus-sent-stocks-into-a-bear-market-2020-07-21 Real estate is also proving to be a good hedge against inflation, and that could also be driving higher than normal demand with rates as low as they are. Even for myself, I’m a firm believer in getting a low interest, fixed rate mortgages on cash flowing rental properties as a hedge against inflation - and then, just take 30 years to pay them off in full while the home goes up in value. I think that’s a sound investment strategy when you do this correctly…but the problem, at this point…is that home prices are skyrocketing, and there’s NOTHING to buy. As a real estate investor, it’s paramount that you get a good deal on a property with some upside so that you can fix it up and make repairs…but, everything I’m seeing is selling a premium because there aren’t many other choices on the market, and prices are increasing faster than I expected because other people are willing to pay whatever it takes just to get the home. There’s nothing wrong with doing that if your intention is to buy something for yourself…BUT, from an investment standpoint, it makes it VERY difficult to come out profitable. Despite all of that, though…the future of what’s going to happen with housing prices is hard to determine. Right now, yes - prices have been going up - a lot, whereas - seasonally, they would be going down. Sellers area also getting closer to their asking price, on average, than usual - but, how long can this hold up for? www.redfin.com/blog/home-sales-and-prices-keep-climbing/ Well, the tech company Haus predicts that real estate will see about a 1% decline into 2021…but then predict, after that, growth could continue as high as 4-5% once our economy begins recovering. haus.com/resources/june-2020-hausing-market-forecast CoreLogic, one of the largest data analytics companies, found that - even though prices have risen 4.8% year over year…they expect that, over the next year, will see a drop of 6.6% in real estate prices… www.corelogic.com/insights-download/home-price-index.aspx I have a feeling, as long as consumer spending is low and our economy is shut down - interest rates will stay low, and demand for real estate will stay high. But, if that changes, after about 6-12 months or so, I would expect rates to slowly go back up - and that might begin to change the pace of real estate, especially if more sellers begin to list their homes for sale. I’m still actively looking to buy something else for myself…BUT, I want to make sure whatever I buy is somewhat of a good deal, and I’m not going to overpay just for the sake of buying something. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
How To Make Passive Income with $500
How To Make Passive Income with $500
3 months ago
Here are the best ways to begin making passive income with as little as $500 - and where you can invest this to grow over time. Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB One, Invest $500 within an Index Fund. This is just an investment you can make that covers a WIDE variety of stocks or markets - and you can buy a small piece of that for a very low price. You can make passive income two ways - the first is through the stock price going up over time, and the second is through their DIVIDENDS. Second, we’ve got another method for earning a LITTLE more passive income if you want to take a little more risk - and would be through buying individual dividend stocks. BUT…as with anything…with reward comes risk…so, the more money you have the potential of making…the more you have the potential of LOSING….and even though a stock might have a high dividend, it doesn’t guarantee the price of the stock won’t end up going down if the company doesn’t perform well. So, keep that in mind and invest safely in companies with strong fundamentals - all of this is meant to be a long term investment. THIRD….another way you can invest $500 for passive income is by buying a REIT. Think of this one like, instead of buying a stock in a company like I just mentioned earlier…you’re buying a stock in a real estate portfolio. Real estate investment trusts basically pool money from investors, buy up properties within a certain category, and then pay out a portion of their rental profit as a dividend. The FOURTH way you can make passive income by investing $500 is by paying off high interest rate debt. Consider this like you’re #1 investing decision if you have any interest rate above 5% or so that isn’t a tax write off….PAY IT DOWN WITH $500. HOWEVER…If you also have TIME on your hands and you want to take a very ACTIVE role in making WAYYYYYY more money with $500 - there are a few other options: The first way you can invest your $500 is to go after sign up bonuses. Both credit cards and banks will give you a “bonus” for opening an account with them and meeting some minimum requirements…usually, that bonus is anywhere from $50 to $200, and it usually takes about 30 minutes of work to complete. The next way to make passive income by investing your TIME alongside with $500 is…oh man…you know I’m going to say it…. making a US-channel channel. I still maintain that this CAN be a great way to make money IF you have a passion for talking to yourself…alone in a room…in front of a camera…and then getting frustrated when your editing software freezes and crashes…but if you can handle that and stick with it, US-channel CAN be more rewarding than your wildest imagination. From there, you can sell a product or a service that doesn’t involve any further time on your end…for example, I created a program called The US-channel Creator Academy. Even though it took a LOT of work upfront and a LOT of trial and error to get something to the point where it was worthy of selling it…NOW, it runs on its own, and will likely continue running on its own for the foreseeable future. You could expand your passive income sources through blogs, websites, and so on through affiliate marketing. This is the practice in which you are marketing someone else’s product, and you get paid a commission every time you get a sale. The last way you can make passive income with $500 is to use that towards creating an online business that you can eventually run on autopilot - or without a lot of time on your end. Using this money towards something like THIS would be a fantastic use of your time…and, the experience you get from a $500 will help you in so many other areas of your life beyond just this. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
BREAKING: THE NEXT STIMULUS CHECK CONFIRMED | ALL DETAILS REVEALED
BREAKING: THE NEXT STIMULUS CHECK CONFIRMED | ALL DETAILS REVEALED
3 months ago
The next Heals Act Stimulus Package and Stimulus Check were just announced, so here is the proposal, exactly what’s in it, and how this impacts you - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB This is known as the HEALS Act - It stands for Health, Economic Assistance, Liability Protection, and Schools - and, you guessed it - that’s what this is going to cover. In this, it’s been nearly confirmed that, YES, there will be another round of checks to be sent out in the HEALS Act. The current outline would provide the SAME payments as previously, so everyone who got a stimulus check LAST TIME would most likely just get another stimulus check. In order to be eligible for the full amount, you’ll need to earn $75,000 or less as a single filer, or less than $150,000 as a married couple - and every $100 you make over that amount reduces your payout by $5. You’ll also receive an extra $500 per dependent. Next, we’ll need to talk about - arguably - the most important and pressing matter of the stimulus package, and that would be the extension of the unemployment benefits. According to the NEW HEALS plan, the unemployment benefits will be CONTINUED, but they’ll be reduced from $600 per down down to $200 per week through September. After that, states will replace the unemployment maximum at 70% of a workers previous pay - meaning, anyone claiming unemployment benefits won’t be making more money than they’ve made from their job, and they’ll now be making almost a third less until they get back to work. This stimulus package is also going to closely examine the Paycheck Protection Program, and continue it further - BUT, it’s going to limit who can apply by only opening this to companies with 300 or fewer employees who have seen a quarterly revenue loss of more than 50% - which, makes some sense - they want to make sure this goes to the businesses that need it the most, and that’s a decent way of doing it. Besides that, the HEALS act also aims to shield businesses, doctors, and schools from lawsuits - The bill will also provide $105 billion towards helping schools reopen, and $30 billion of that would be allocated towards Colleges. It also includes another $16 billion to increase testing, and another $26 billion towards new developments and treatments. It also allows for 100% deductibility of business meals…whereas, right now that deduction is worth 50%. Finally, the bill also includes some additional tax credits and deductions for upgrades to the workplace that allow for operates to run safely. This might include spacing out desks, putting up more protection between people, and so on. And there’s also employee retention credits for employers to keep staff on payroll. But, as for the timeline on this - it’s a little unclear, exactly. We know that they’re PUSHING for a finalized bill to be put into effect by August 7th, because after that - they’re going on recess until September 7th. But assuming it gets passed before then, we’ll likely see new stimulus checks being dispersed in late August. Everything else between now and then is all negotiation. The next step is that this is going to be re-negotiated and slightly modified, although what we see now is going to be the BASE from which more things are added on to this…it was even implied that it might be an option just to pass this now, and then see what else is needed in the future. There’s going to be a LOT of new developments this week, but the GOOD news is that a new stimulus package looks pretty much guaranteed to happen, it’s almost confirmed that there will be a second round of stimulus checks the same as the last time, and that unemployment benefits WILL be extended - although it’s going to be a reduced rate. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The Economic Collapse of 2020 | What You MUST Know
The Economic Collapse of 2020 | What You MUST Know
3 months ago
Lets discuss the Economic Warning of 2020 and what to expect - Enjoy! Join the livestream with BunnyFufuu on Caffeine TODAY July 27th at 5:00pm PST: caf.tv/bunnyfufuu Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Lets talk about this headline that just recently came up: A perfect financial storm is brewing and it is worse than 2008. One, this article mentioned that we have the Eviction Protections ending the week of July 24th - meaning that landlords will now be able to pursue evictions from tenants who have not paid their rent. The most likely TRUTH behind all of this is…coming from the prospective of a landlord…is that, realistically, there’s NOT going to be a huge wave of mass evictions like every article is talking about. I’d venture to say that most states will have protections and resources in place for tenants NOT to all be evicted at once, AND - I’d bet most landlords would want to work with any tenant who’s willing to structure a re-payment plan. If that option becomes available, TECHNICALLY…tenants would have even more time to catch up on missed payments before being evicted, so even if they know they can’t pay in the future…it’ll buy them time. Two, the other issue is the unemployment benefit of $600 per week potentially ending. THE BRIGHT SIDE is that it looks UNLIKELY that the unemployment benefit is going to be COMPLETELY going away down to $0. This is probably going to need to be something that’s slowly weened off and reduced over time as the economy begins re-opening, and perhaps within 6-12 months, the whole thing will go away…but, for now, I do think it’s important to continue to some degree, and that looks to be the case. Third…we also have the FORECLOSURE CRISIS…meaning, home owners are behind on their payments, they’re in temporary forbearance, and once that pause period is up - lenders can foreclose and take back the home. Yes, this IS something of concern - but, the numbers behind it aren’t quite as alarming. Federally backed mortgages have given home owners the option to temporarily pause their housing payment for up to 180 days, with the option to EXTEND AN ADDITIONAL 180 days if needed…so, a year SHOULD be sufficient time for home owners to restructure their loans and make up for missed payments at a later date, if need be. And, according to the research…the number of loans in forbearance has actually been DECREASING recently, down to 7.8% according to the Mortgage Bankers Association. dsnews.com/daily-dose/07-21-2020/loans-in-forbearance-hits-two-month-low ALL OF THAT, COMBINED…is what’s going to lead us into a perfect storm, WORSE than 2008…according to CNBC…and, I have to say, as a total investing amateur who just makes video like this in a bedroom of my house and asks way too much for likes…I would say the biggest elephant in the room, isn’t necessarily what we just mentioned here….but, instead, how long our economy takes to re-open, how many jobs comes back, and how freely people begin spending money again. So, overall - we have quite a lot going on right now, but headlines saying “this is a perfect storm” is a little exaggerated…yes, there are some serious concerns out there, that hinges on unemployment being extended…BUT, the likelihood of this actually all happening at once is very slim, and I think we’ll know by the end of this week whether or not the next stimulus package address these issues. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
How To Retire by 30 Years Old | Starting with $0
How To Retire by 30 Years Old | Starting with $0
3 months ago
Here is your step by step guide to learning how to retire by 30 years old - Enjoy! Sign up to Morning Brew for free today: cen.yt/morningbrewgraham Thanks! Add me on Instagram: GPStephanAdd me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB First thing to know: The FIRE Movement This stands for Financially Independent Retired Early, and it’s a community of people who dive into the analytics of EXACTLY what you’ll need to be able to retire at any age. All you need to know for retirement comes down to a few things: How much money do you NEED to spend every year, how much do you CURRENTLY have saved, and lastly - how much money do you currently make? If you know the answers to those 3, it’s going to tell you EVERYTHING you need to know to be able to retire by 30. To start, how much money you SPEND is going to be the most important variable of this entire calculation. Generally speaking, if you’re under 30 years old and you want your your money to last you INDEFINITELY without ever running out - you’ll need to only spend 3% of what you have invested, each year. Now, how much you spend is going to GREATLY influence how much you’ll need to retire…because, for every $100 per month the spend, you’ll need $40,000 invested in order for that $100 per month to last you forever. NEXT - HOW MUCH MONEY DO HAVE SAVED UP AND INVESTED? Whatever that amount is…divide that by 33, and that’s how much income your investments will be able to replace. From there, you’ll need to do the super easy math to figure out how much more you’ll need in order to retire…all you need to do is take how much money you spend every year, multiply it by 33…and however much that is, is how much money you’ll need before you can call yourself “Retired.” This is based on what’s known as the Trinity Study, which analyzed the investment portfolios of stocks and bonds throughout every year in history, and calculated how much you could spend from your investment throughout a 30 year retirement - and that study found that you can spend 4% of your portfolio every year, and still have that money last you 30 years. However, a 30 year retirement isn’t going to be long enough if you plan to start that retirement at 30 years old...so, in order to preserve more capital so you can retire for a longer period of time…a 3% withdrawal rate was recommended. thepoorswiss.com/updated-trinity-study/ www.thebalance.com/how-much-can-you-withdraw-from-your-retirement-portfolio-453997 And finally - the last factor in the equation - how much money do you currently make? This is going to determine how long it’s going to take you to hit your target retirement number, and whether or not you’ll have to earn more money to get there sooner. HOW TO GET THERE: SAVING MONEY. The Blogger MrMoneyMustache did the calculation for us, and found out how many years you’ll need to work in order to retire compared to how much money you save. Using the 4% rule, he determined that - if you save and invest 70-90% of your income, you would be able to effectively retire within 10 years of working. Practically, if you want to do this by 30 years old - you’ll either have to MAKE A LOT OF MONEY, or you’ll need to SPEND VERY LITTLE MONEY - but, assuming you guys just want to make a whole bunch of money as fast as possible to be able to retire, I’ll give you the honest run down on MAKING AS MUCH AS POSSIBLE: Your BEST SHOT at being able to retire by 30, and make a LOT of money, is to work a job that pays you based on YOUR RESULTS, not how much TIME you put in. And at the end of the day - if you want to make a LOT of money just to be able to retire quickly - de-couple the idea that the more time you work, the more money you make - because that’s very much NOT true, at all. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Confronting Pokimane | Inside The Million Dollar Empire
Confronting Pokimane | Inside The Million Dollar Empire
3 months ago
Join us for an inside look into the business of Pokimane - the behind the scenes of a million dollar brand - and her investing and personal finance strategies along the way. Enjoy! Add me on Instagram: GPStephan Follow Pokimane Here: US-channel: us-channel.com Instagram: instagram.com/pokimanelol Twitch: www.twitch.tv/pokimane LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Revealing My ACTUAL Net Worth
Revealing My ACTUAL Net Worth
3 months ago
Here is my net worth breakdown and how I was able to grow my income through real estate and investing over time - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB LESSONS: If I’ve learned anything from this, it really just comes down to the importance of always saving your money, investing as consistently as you can, when you find something that works - STICK WITH IT - and always operate from a place of integrity. I think people really respect that, and even though it’s slower in the short term - it’s going to be MUCH better in the long term. And also, it’s REALLY important to like what you do … there’s NO WAY I would’ve been able to keep up such an intense schedule if I didn’t thoroughly enjoy it, but the fact is - me working those crazy hours is so much fun, it would be like someone going on vacation for a few weeks and wondering how the time flew by so fast…that’s how I’ve felt. And when that happens, that’s when you’re able to do your best work. Also, practically in terms of making more money - doing something where you can leverage your time is ESSENTIAL. For example, it takes me the same amount of time to make a video for 1 person as it does 1 million people…and that allows me to reach MORE people with the SAME amount of work. Same with working as a real estate agent - looking back, a better use of my time would’ve been to hire someone to work under me rather than doing it all myself…but, some of those lessons you only learn over time. That’s something that never really “clicked” with me before doing this, and that’s how I was able to start seeing my income increase to some really mind-blowing numbers today. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Responding To CRINGE Investment Advice | BEST and WORST
Responding To CRINGE Investment Advice | BEST and WORST
3 months ago
Today we're going to be reviewing money and investment advice on Tik Tok and my response to som of the ways they suggest you make money - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB My thoughts: Overall, some of the advice is pretty bad…some of it's pretty good...but at LEAST it gets people thinking about business and creative ways to make money. It isn’t so much to do with the day to day practicalities of making money, but sometimes - when you’re younger - all you care about is cool cars and easy, creative ways to make money without going o school - and even though those hardly ever work out, they get you pointed in the right direction - and then, from there, you can smash the like button ;) For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
How Much Money You Need To Save By EVERY AGE
How Much Money You Need To Save By EVERY AGE
3 months ago
Here’s how much money you should aim to save at every age and exactly how you can get there - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Original Video by Andre Jikh: us-channel.com/down/zaWyz9CYo4qC16s/video By 20 Year Olds: First, go and get yourself a credit card. Second, make sure you also open up a Roth IRA. Third, I would aim to have 1-2 MONTHS of expenses saved up. Fourth, get yourself invested in the markets in some way or another. So, overall…by 20 years old, there aren’t really many NET WORTH or SAVINGS goals you should aim to hit…but, instead, it’s just about setting up a good foundation from which you can build from. By 30 Years Olds: First: You’ll want to have at LEAST a credit score of 750 or higher. Second: I’d recommend you become COMPLETELY BAD-DEBT FREE by the time you’re 30. Third, because everyone wants to know “HOW MUCH MONEY SHOULD I HAVE!!” - I kind of agree with the 1x your salary as a bit of a baseline to aim for. And fourth - I think by 30, it’s reasonable to suggest that you aim to save at least 20% of your income every month. By 40 Year Olds: First, you should focus on MAXING OUT YOUR RETIREMENT ACCOUNTS EVERY YEAR. Second, you should also look into potentially BUYING A HOUSE if this is something you’re interested in. Third, by 40, you should know EXACTLY how much you spend every single month - and have AT LEAST 5-7X your annual spending invested. By 50 Years Old: First: I think having 5x your annual income saved up is a good goal - but, if you can get this closer to 7x or higher, I think that’ll put you in a much stronger position for retirement. Second: Depending on your situation, you should be about halfway through paying off the mortgage on your primary residence. Third: You should also have a VERY clear idea of how much you’ll need in retirement, and when you plan to retire - and that needs to be calculated, NOW. By 60 Years Old: First: You’ll want to aim for at least 10-12x your salary saved up. Second, I think it’ll also be wise to have almost paid off your primary residence by now - so, if you haven’t already done this, you’re getting close. Third: It’s usually said that this is where your earnings will have somewhat peaked - so, if you’re in the highest earning years of your life, now is the time to save as much as you possibly can with the income you have. Fourth: If you want to, NOW is the time where you can begin withdrawing from your retirement accounts without any penalties. And really, from there …the rest is up to you, and those are the goals that I think you should aim to hit in every decade. Obviously, this is only going to be a rough ballpark and some people may be way ahead of this or way behind this - but, that’s not important - it’s more important to realize that NOW is the best time to begin working towards these goals. It’s all about starting this as soon as you can, even if you’re behind, and then working within your means to understand what you need to do to reach your future goals. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
TESLA IN THE S&P 500 | $7000 PRICE TARGET??
TESLA IN THE S&P 500 | $7000 PRICE TARGET??
3 months ago
Lets go to go over the reason Tesla stock has increased so much over these last few months, whether or not it’ll continue to go even higher, and then how much the price will be affected if it joins the SP500 - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB IF Tesla meets the full eligibility for SP500 inclusion, and IF it’s voted on to join the SP500..how much of an effect will this have on the stocks price, and is getting added to an index all it takes to boost up the stock? When a stock is going to be added to an index, it’s announced AHEAD OF TIME - BEFORE index fund managers can actually go ahead and buy it. This leaves time for individual investors and speculators to buy in, anticipating it being added to the index within the coming week - and trying to make a profit. When it was researched, it was found that stocks DO generally see a rise in price once it’s ANNOUNCED they’re going to be added to an index - but ONCE they’re actually added to the index, the pent up demand slows down - the stock price drops - and then it returns it a new “normal.” seekingalpha.com/article/4009991-index-front-running-happens-stock-added-index This was also confirmed by a study published in the 1990’s, that found that the announcement and inclusion of a stock within the SP500 DID have a measurable effect on the price…short term. people.stern.nyu.edu/alynch/pdfs/jb97lm.pdf Long term, however, it was found that adding a stock to an index has no permanent effect on the price. www.newyorkfed.org/medialibrary/media/research/staff_reports/sr484.pdf In fact, it was studied that a stocks “premium” for being added to an index completely wore off after 2 months, usually returning to the same price before it was ever announced. www.wealthdaily.com/articles/the-indexing-effect/90018 And overall, studies have shown that stocks added to an index did NOT see any superior performance and demand over stocks which were NOT traded within an index… repository.upenn.edu/cgi/viewcontent.cgi?article=1020&context=joseph_wharton_scholars Likewise, it was also found that stocks REMOVED or BUMPED DOWN from an index did not see any large dip in price, now that they weren’t being bought by an index…. www.nber.org/digest/nov13/w19290.html So, IF Tesla gets added to the SP500 - according to all the history and research out there - the ANNOUNCEMENT that it’ll be added will have a MUCH more powerful affect on the stock price than the actual INCLUSION of the stock to the index. After all, Yahoo was cited as being the most recent comparable of its size back in 1999…that stock surged 64% in 5 days between the announcement of being added to the index, and actually being added to the index. www.autoblog.com/2020/07/11/tesla-tsla-stock-sp500/ But once a company is added to an index - it must actually PERFORM well, and much of its stock price movement will be from it’s earnings, performance, and ongoing development. Otherwise, if it doesn’t perform well, it’ll get bumped and the price will go down - causing a small percentage of the overall index to go down, with it. But there’s one message I just want to make clear…in my personal opinion…at these levels, investing in Tesla is a gamble - and if you’re going to buy in, hold it with the expectation of keeping it for at a LONG TIME. This is the type of stock that’ll be just as likely of dropping 50% as it is of going UP another 50%….so, if you buy in, just be prepared for a really, really wild ride - for better or worse. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The Stock Market Is About To Drop - Again
The Stock Market Is About To Drop - Again
3 months ago
Lets discuss the biggest mistakes investors are making right now in the stock market, whether or not this is similar to 1929, and then what you can do about it to come out ahead - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB First: The stock market is poised for a 40% drop, warns economist who says the current climate feels a lot like 1929.” Even though we can line up charts from 1929 to today and say “Look how similar they are” - the reality is that past performance doesn’t indicate future results, we have a Federal Reserve stepping in, in ways that we didn’t have in 1929 - and we have a much more robust safety net in the event of such massive failures. Sure, we’re printing more money than we know what to do with - but, that should hopefully keep prices high, all things considered. For ANYONE who wants to be a successful investor LONG TERM, it’s important to understand JUST how BAD market timing is, and how much this would cost you if you were WRONG IN 2020: www.bloomberg.com/news/articles/2020-07-03/the-cost-of-bad-market-timing-decisions-in-2020-was-annihilation?srnd=markets-vp Despite the markets OVERALL being flat for this year…if you missed out on just the TOP 5 trading days throughout the entire year…you would be DOWN 30 PERCENT. Evidently, this is SO COMMON that Citiground found that more than 2/3rds of investors were MORE LIKELY to see a 20% LOSS from their investment than a 20% GAIN…that’s because, typically the mentality of most investors is: Prices are down, I better sell - and then when they drop EVEN FURTHER, I’ll buy back in. But, this type of game is more like a casino than an investment strategy…because typically, some of the BEST days in the stock market happen after the WORST Days…and if you aren’t in the markets during the worst of times, you won’t be in it for the best. According to JP Morgan, over the last 20 years - if you just kept your money invested, you would average a 5.62% return. If you miss JUST the best 10 trading days…over 20 years…your return drops to 2.01%. If you miss the top 20 best days…now you’ve LOST money from a 20 year investment…so, literally over 20 years, just missing the best 20 days mean you LOSE MONEY. And from there, it gets even worse. www.fool.com/investing/2019/04/11/what-happens-when-you-miss-the-best-days-in-the-st.aspx The moral of the story is just this: when you invest, as long as you’re diversified and holding within a good company - the best thing you could do is just DO NOTHING. Keep holding. Stay invested. If the market drops, there’s your chance to buy more - but don’t change your investing strategy around someone who says the market is going to drop 40% like 1929, and keeps repeating that every year until maybe one day he’s right. In addition to that, though…we also have another topic that everyone wants me to talk about, and I haven’t really addressed it until now…and that would be GOLD. What brings this to our attention is that Gold is now trading above $1800 an ounce, which is the highest level it’s been since 2011… www.macrotrends.net/2608/gold-price-vs-stock-market-100-year-chart Personally, I’m just not a huge fan of investing in gold. I think it definitely CAN have a place in your portfolio, but it’s certainly not an investment - just like I wouldn’t call a savings account “an investment.” I think it can work, in certain situations, but buying gold isn’t the “end goal” - it doesn’t produce anything, it doesn’t provide a dividend, and transaction costs are so high…I just don’t recommend keeping much money in Gold, and I keep pretty much nothing in precious metals besides some old coins and a watch. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
THE 6 BEST CREDIT CARDS YOU NEED IN 2020
THE 6 BEST CREDIT CARDS YOU NEED IN 2020
4 months ago
These are the best credit cards of 2020, my own recommendations, and which credit cards are the best value for all of your spending - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Best for Cash Back: Citi DoubleCash Rewards Credit Card. They will give you UNLIMITED 2% cash back…on EVERYTHING…1% when you make a charge to your account, and then another 1% when you pay off your balance. It’s as easy as that. In addition to that….they’re also offering a 0% interest on charges made within the first 18 months…so, if there’s anything you need free financing for, or if this is a way for you to otherwise avoid paying a ton of interest - this one works great. All with a NO ANNUAL FEE. Best for Travel: Chase Sapphire Reserve You’ll get 50,000 points when you spend $4000 on the card within the first 3 months - and those 50,000 points have a VALUE of about $750 when you redeem that for travel or straight up cash back. You’re also going to be getting a $300 travel credit that applies to nearly anything travel related, like hotels, parking meters, airbnb, uber, airfare, timeshares, you name it - to me, this is pretty much just like free money because we’ll all spend about $300 on this per year on stuff, anyway. You’ll also get a $120 Statement Credit For Doordash Deliveries, and free DashPass for 2 years - which is worth another $120 per year. You’ll also get 1 year of complimentary Lyft Pink when you activate the service using your card - and that’s a $240 value. AND a whole bunch of other perks and services that are too much to mention. Best for Dining: American Express Gold Card When you sign up for this card - you’ll get a sign-up bonus worth anywhere from 35,000 to 50,000 points when you spend $4000 within the first 3 months. They’re also going to give you a $120 dining credit each year, which works out to a $10 per month statement credit when you pay at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. You’re also going to be getting 4x points back on Restaurants and Supermarkets which - again, depending on how you redeem those points - that could essentially work out to be the equivalent of 8% cash back off your purchase…and that makes this one REALLY good for all that grocery and restaurant spending. Best Sign Up Bonus: Chase Sapphire Preferred This one wins the “BEST SIGN UP BONUS” category because you’ll get 60,000 points when you spend $4000 within the first 3 months…and those points are worth $750 worth of travel or cash back. Like I mentioned, Chase has that new system available for you to “pay yourself back” on your credit card bill, and with this card, each point is worth 1.25 cents back. Best for 0% Interest: The Capital One Quicksilver Card. I like this because they charge no annual fee, they give you 0% interest for 15 months on BOTH balance transfers AND purchases, they’ll give you 1.5% cash back…AND…they will give you a $150 cash bonus when you spend $500 within the first 3 months. Best Overall Credit Card for 2020: Chase Freedom Unlimited To start, there’s no annual fee. You’ll get 1.5% unlimited cash back on every purchase and 5x points on LYFT…which is AWESOME. You’ll also get $200 cash back when you spend $500 within the first 3 months…which is even BETTER than the Capital One Quicksilver Card…and you’ll get 0% interest for the first 15 months on all of your purchases… all with no annual fee….what’s not to like? For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
THE NEW $1200 STIMULUS CHECK | ALL DETAILS REVEALED
THE NEW $1200 STIMULUS CHECK | ALL DETAILS REVEALED
3 months ago
Here is a stimulus check and stimulus package update - what we can expect in the next phase 4 deal - and when the next stimulus checks might be sent out. Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB First, and what’s probably going to be the most pressing, urgent matter for the Senate to address is the increased unemployment benefit set to expire on July 31st, where the $600 per week “bonus” will discontinue. One proposal that was just brought up is to tie the unemployment benefit to a states unemployment rate…so, the $600 per week would continue “until the state’s three-month average total unemployment level falls below 11%.” www.marketwatch.com/story/the-extra-600-americans-receive-in-unemployment-benefits-ends-this-month-heres-what-else-is-on-the-table-2020-07-02 Second, we have another proposal known as the $4000 Explore America Tax Credit. Here’s how this works: This would allow 50% of your travel related expenses to be deducted from your taxes, up to a maximum of $4000…or, in other words, you can spend up to $8000 in travel and get HALF of that credited back to you. This would apply to things like airfare, hotels, lodging, recreation, restaurants, smashing the like button, and so on… Third, we have THE NEXT STIMULUS CHECK. As it is right now, it’s looking like a very real possibility that ANOTHER stimulus check will be in the works - but it’s unclear exactly how, and for what amount. The HEROS Act proposed a second round of stimulus checks going out to everyone who received them previously, meaning you could get another $1200 check if you made under $75,000 last year, or $2400 if you’re married and made under $150,000 last year, with that stimulus check decreasing by $5 for every $100 you make above that threshold. Fourth, we have a back to work bonus. Senator Rob Portman proposed that workers should receive a $450 per week BONUS to return back to work, that they’re free to keep in addition to the money they earn from their job. According to him, $450 is an amount that would leave better better off financially than staying on unemployment and it would put more cash in people’s pockets, it would make employers more likely to see their employees return, and it’s slightly cheaper than giving out $600 per week as it stands now. Fifth: Payroll Tax Cut Anytime you pay your taxes, you pay a small portion of that into Medicare and Social Security…typically, it’s about 7.65% or so. Any REDUCTION in the tax would just end up as you getting more money left over in your paycheck…and if they cut it out ENTIRELY, it would be like you getting a 7.65% raise on top of what you were already making. www.cnbc.com/2020/06/05/trump-wants-to-give-workers-a-payroll-tax-cut-how-it-would-work.html Sixth: Infrastructure Spending The goal is that the government spends money creating new highways, roads, bridges, rail systems, you name it…and that, in turns, provides jobs and helps our economy. It was said that “you spend a dollar and you get back more than dollar in terms of revenue from the economic benefit.” nypost.com/2020/06/16/trump-administration-prepares-1-trillion-infrastructure-package/ As far as a timeline as to when this can all happen.. here’s what we’re looking at. Right now, the senate is on what’s known as a “Recess,” from July 3rd to July 17th, where they’re not going to be in Washington DC actively negotiating these plans. www.senate.gov/legislative/2020_schedule.htm From there, it’ll perhaps be a quick turnaround to get SOMETHING approved by the end of July - and that would mean things can begin progressing forward shortly after that. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The 8 BEST INVESTMENTS to make RIGHT NOW
The 8 BEST INVESTMENTS to make RIGHT NOW
3 months ago
Get 30% OFF your first bag of coffee with Trade Coffee when you click here: cen.yt/tradegrahamstephan2 - and these are the 6 best investments you can make in your 20s - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB First: HIGH INTEREST SAVINGS ACCOUNT - us-channel.com/down/qGrbu8y6rIid3Hk/video A totally free, high yield savings account is really the FIRST building block you’ll need if you want to begin growing your money and making sound investments. One, make sure the bank has no minimum balance requirements Two, make sure they don’t charge you any monthly maintenance fees .Three, make sure they pay you above a 1% interest rate with no minimums Second: INVESTING IN A ROTH IRA - us-channel.com/down/3GWXlb26q6N4t3U/video As far as where you can open one of these up…I personally like Vanguard, they’re a great company with a long term track record…but places like Fidelity, or Charles Schwab work really well, too. And whoever you use, just make sure they’ve been around for awhile - they’re reputable - and they have an easy-to-reach customer service team. Third: INDEX FUNDS - us-channel.com/down/yK_Hj7PQ045mlaM/video An index fund is a big basket that holds a whole bunch of companies inside it. The main reason I like this investment so much is because most investors are REALLY bad at picking individual stocks…and an index fund removes that variable from the equation, and because of that, you end up making more money. Fourth: THE STOCK MARKET I generally recommend you do this within a Roth IRA to avoid getting taxed on your profit, but that isn’t required. You could just as easily open an account on Webull using the link in the description and get 2 free stocks, and then trade totally commission free and reap some pretty good returns ;) Fifth: REAL ESTATE - us-channel.com/down/u6qxxauwuo-gj2Q/video You can cut down your housing costs ENTIRELY, INVEST in real estate, and save WAY more money at the exact same time…and that’s by doing what I call “House Hacking.” This is where you buy a multi-family home, like a duplex, triplex, or fourplex, then live in one of the units and rent the others out. You could also buy a single family home with a detached guest house, or even buy a house in then rent out the bedrooms. But typically, when done right, those other units will cover the entire cost of owning the building - and all of a sudden, you’ve got a free place to stay. Sixth: SIDE BUSINESS A side business in your 20s has the potential to grow completely independently from your main job - and NOW is the time for you to pursue that while you still have the energy to work long hours without feeling burnt out. Seventh: A GOOD CPA It’s SO IMPORTANT, as soon as possible, you hire a GOOD accountant who knows what they’re doing, and can best structure your business so that you take advantage of everything that’s available to you. Eighth: PAY DOWN DEBT - us-channel.com/down/tXHak6nV0Kl9pqM/video When you have high interest rate debt…paying DOWN that debt is like getting a guaranteed return on your money at whatever interest rate you’re paying down - if it’s above 5%, it’s usually best to pay that off early. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Inside a $10,000,000 Custom Hollywood Home with UNDERGROUND TV
Inside a $10,000,000 Custom Hollywood Home with UNDERGROUND TV
4 months ago
Here is a tour inside the $10 Million Dollar home of Jason Oppenheim from Selling Sunset and owner of The Oppenheim Group - Enjoy! Add me on Instagram: GPStephan Add Jason on Instagram: JasonOppenheim LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Revealing The INSANE Perks of The $10 Million Dollar Credit Card
Revealing The INSANE Perks of The $10 Million Dollar Credit Card
4 months ago
Today we're going to review the $10 Million Dollar JP Morgan Reserve Credit Card and how it compares to its competition - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF As it is now, the JP Morgan Reserve annual fee is $450 per year - and for that, here’s what you get: 1: You’ll get a $300 per year travel credit that automatically reimburses you for ANYTHING travel related. 2: You’ll also get a $120 Statement Credit For Doordash Deliveries, and free DashPass for 2 years - which is worth another $120 per year. 3. You’ll also get 1 year of complimentary Lyft Pink when you activate the service using your card - and that’s a $240 value. 4. Next, you’ll also get free priority pass lounge access for yourself and up to 2 guests anytime you travel - and this has a minimum value of $99 per year, all the way up to $399 per year depending on how much you travel. 5. Now, even better than that…one of the unknown perks of this card that I didn’t even know about when I signed up until someone told me…was that it comes with FREE United Club Membership when you request membership over the phone. 6. Sixth, you’ll also get complimentary global entry or TSA PreCheck which works out to a $100 statement credit every 4 years. And 7th through 15th…you just get a whole bunch of other perks and services, like up to $10,000 worth of trip cancellation, complimentary rental car insurance, complimentary roadside assistance, lost luggage reimbursement, free hotel upgrades and services, and even free medical and emergency dental benefits when you’re more than 100 miles away from your home. Now, in terms of EVERYTHING ELSE though - and how it compares with OTHER credit cards out there - from my experience, it’s definitely BETTER and it has a LOT of improvements - but, it’s not something that’s so crazy or hyped up to be a “$10 million dollar credit card.” For example, let’s compare it to the Chase Sapphire Reserve. To get this card, it’ll cost you $550 per year…pretty much anyone can get it if you have a thorough credit history…and it has NEARLY THE EXACT SAME BENEFITS as the JP Morgan Card. The American Express platinum also costs $550 per year…but, some of its benefits are a little more niche. For instance, instead of giving you a broad travel credit…they’ll just give you a $200 airline credit towards incidentals that you can redeem through one airline of your choice. You’ll also get complimentary Centurion Lounge Access anytime you travel. American Express will also reimburse you $15 per month in Uber Expenses, and that increases to $20 in December. You’ll also get $100 per year to spend towards Saks 5th Avenue. They’ve also just recently added on a $20 per month free streaming credit that you could use towards Spotify, US-channel Premium, Netflix, or anything like that through the rest of the year…and a $20 per month Phone Credit when you pay your phone bill through the American Express Card. Even though the JP Morgan card is almost identical to the Chase Sapphire Reserve…this does come out ahead. It’s got more benefits, a lower annual fee, and better customer service. It’s REALLY easy for this card to pay for itself almost immediately, and everything after that as profit. My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Evicting Tenants - My Thoughts
Evicting Tenants - My Thoughts
4 months ago
A new study shows that up to 23 million tenants are at risk of eviction in the coming months - here are my thoughts, and what can be done about it. Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Across the United States, Real Estate Eviction Freezes are slowly beginning to expire - meaning, landlords can begin issuing eviction notices for tenants who haven’t been paying their rent. Now, on the one hand - missed rental payments like this are NOT forgiven, and just because a tenant can’t be evicted, doesn’t mean that they DON’T owe rent…but, on the other hand, if tenants didn’t have the money to pay rent - why would they, all of a sudden, have the money to pay when the eviction freeze is lifted? Unfortunately, though - there’s no solution where EVERYONE wins, and it’s going to be difficult for everyone involved. So, that just leaves us with a few options: one, if you’re a tenant: try working out a deal with your landlord. I’ll tell every landlord the same thing: evictions are a last case resort, and while there ARE cases where eviction is absolutely necessary: it should NOT be the main focus. Instead, as a Landlord - it’s MUCH better, and CHEAPER, to work out a deal where your tenant can continue living in the property, and get on a payment plan to make up lost rent, than proceed forward with an eviction. Logistically, if the eviction freeze is lifted and landlords all rush to get evictions out - the eviction process is likely to take awhile. Courts will be backed up, and unless they find a way to expedite all the claims - it could take several more MONTHS to from start to finish to go through an eviction. Now, I also get it - owning a rental property is a business, and when you have a client not paying you for your service, you’ll need to demand paying or cut ties. But, this is a unique circumstance where a BETTER outcome for EVERYONE is typically in working out a payment plan and KEEPING the tenant, or working out a reduced rent in order for the tenant to continue paying and living in the property…usually, that’s way cheaper than cleaning up the unit and then waiting for a new tenant to move in. I also HIGHLY recommend another alternative to evictions - and that would be “Cash for Keys.” This is a practice in which the landlord will pay the tenant to vacate the property by a certain date, and this does a few things - the landlord can get a tenant out faster, can re-rent the unit faster, and doesn’t miss out on lost rent - and, some of those savings are passed on to the tenant in exchange for leaving. In both situations - whether it be a cash for keys, or working out a payment plan - both sides work together and should HOPEFULLY come to a resolution where everyone is happy. If that doesn’t happen, and there’s a MASS wave of evictions - then the real estate market could be headed towards some serious trouble, not to mention - all the people that’ll be forced out of their homes. Until then - it’s up to us to do the best we can to work together to find a happy middle ground - and I have a feeling, payment plans, reduced rent, or a cash for keys option would be WAY less expensive and time consuming than waiting for an eviction in the next few months. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
REVEALING MY BRAND NEW HOME TOUR!
REVEALING MY BRAND NEW HOME TOUR!
4 months ago
Here is my new brand new dream home tour that I purchased a few months ago - enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The REALISTIC Millionaire Investing Advice In Your 20s
The REALISTIC Millionaire Investing Advice In Your 20s
4 months ago
After just turning 30 years old, here is my advice about how to invest in your 20s and everything you can do to begin growing your wealth - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB FIRST: STAY OUT OF STUDENT LOAN DEBT Unless someone has a clear career path they want to pursue, where a certain college is a REQUIREMENT to get there…it’s usually best to go an inexpensive community college first, save the money, and then figure out what you want to do from there. SECOND: GET A JOB I think it’ll be one of the best experiences you can get, and I have to say…there is a difference in the type of person who has work experience, versus the person who has none. THIRD: STAY OUT OF CONSUMER DEBT This means that you don’t go and rack up a whole bunch of credit card debt to buy stuff you don’t need, don’t go and finance an expensive car, don’t go ballin’ out to impress your friends with how much money you have…all of that is stupid, it’s reckless, and 10 years from now…I guarantee you’ll nearly regret all of it. FOURTH: BUILD YOUR CREDIT SCORE All you need to do to get started is open up a secured credit card with a $200 limit, put a few expenses on the card every month, and then pay it off in full. You’ll pay $0 in interest, you’ll build your credit history, and over time, and you can continue adding in new credit cards to the mix. FIFTH: LIVE BELOW YOUR MEANS I’ve found that the older you get - the less “socially acceptable” it is to live like a broke college student, and the less you WANT to live like a broke college student. So, now is your chance to get away with doing all the cheap and frugal things you’ve always wanted to do, before people call you weird for doing them. SIXTH: TRACK YOUR SPENDING You can’t effectively live below your means without knowing where you spend money, how you can cut back, and figuring out where it all goes. I’ve been tracking every single expense on Mint.com and PersonalCapital.com since 2012…and it’s helped me out a LOT in terms of optimizing my finances. SEVENTH: TAKE UNCOMFORTABLE RISKS: I’ve really found that the WORST place you could be in your 20s…is COMPLACENT. If you’re satisfied where you are right now, but you know - deep down - you aren’t living up to your full potential - the ONLY way to break free from that is to get used to putting yourself under pressure. You HAVE to start making uncomfortable choices and taking calculated risk to get yourself ahead, even if it isn’t the EASY decision to do. INVESTING FROM THRE: -Open up a RETIREMENT ACCOUNT. This is just an account that you can invest within that saves you money on your taxes…for example, some of these accounts allow you to use them as a tax write off, and others allow all of your profit to grow tax free…just depends on which ones you want to use. Roth IRA: $6000 Per Year Post Tax Money Traditional 401k: $18,000+ Per Year Pre-Tax Money HSA / Health Savings Account: $3500 Per Year Pre-Tax Money Look into the 3-fund portfolio, and this gives you the ULTIMATE diversification across everything…so, you’re basically just investing in the entire world in the long run - and even if one or two industries goes down, plenty of others will be there to pick up the pace. Now, in terms of any other investment specifics, just remember this really easy saying: time in the market beats timing the market. That’s it. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
THE #1 PROBLEM WITH CASH | DO THIS INSTEAD
THE #1 PROBLEM WITH CASH | DO THIS INSTEAD
4 months ago
Lets discuss the Federal Reserve, buying individual stocks, investing in the current market, several items to keep in mind when investing, and everything else you need to know - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Ok, so first things first: This week, the FED started buying Corporate Bonds. If this gets even worse, it’s SUSPECTED that the FED might even go as far to buy INDIVIDUAL STOCKS of companies…he believes the SP500 could re-test its previous lows in this next month, and at that point…the FED would have no other choice but to buy stocks and take ownership of American Companies. www.cnn.com/2020/06/16/investing/scott-minerd-stock-market-federal-reserve/index.html Unfortunately, though…it’s not exactly clear if investors are heeding that type of advice, because now - we have this: ‘Cooped-up’ millennial traders have sparked a new pandemic - it won’t end well, warns Princeton economist. www.marketwatch.com/story/cooped-up-millennial-traders-have-sparked-a-new-pandemic-it-wont-end-well-warns-princeton-economist-2020-06-17 He says, that basically, cooped up millennials are bored at home - and because stock trading apps like Robinhood have made investing so easily accessible with as little as a dollar - people have flooded the stock market in search of easy profits from home, by investing in hard hit companies. This is also mirrored by a well known investing Billionaire, who said mom and pop investors in the stock market will “End in tears” - and more specifically, he’s warning against people who are speculating in stocks for quick profits. Although, I DO think these very wealthy investors have a point when they warn against stock market speculation. But, even with all of that out of the way, there’s also another concern: The value of the dollar could fall, very very sharply. www.marketwatch.com/story/the-dollar-is-going-to-fall-very-very-sharply-warns-prominent-yale-economist-2020-06-16 And for us as individuals…it’s a little troubling. It could mean that stock and real estate values end up going way up, so for those that are not invested in the market - it’s going to be a lot more expensive to get in. But, again, this is really all speculation….and it’s yet to be seen if something like this is going to happen anytime soon. However…not even that is dissuading people from holding onto cash at record levels right now. According to The WallStreetJourney, cash in money market funds reached $4.6 trillion dollars, the highest level since 1992. Obviously, the reasoning for this is simple: many wealthy investors don’t know how to navigate investing in such a volatile market where the Federal Reserve can essentially make announcements that move the markets, so they’re holding out in cash while things simmer down…and, I’ll be honest, I’m in the same boat. On a positive note, though…it does show that there’s a LOT of money sitting on the sidelines, and if prices do fall too far…there’s no shortage of people with money to buy back in. So, that COULD be a good sign, in a weird way. And finally…in some odd, kinda good news on top of all of this…the HOUSING MARKET IS ACTUALLY GOING UP. Zillow has also found more buyers participating in the market, with 50% of offers facing a bidding war to get the property. The reason for this is that there’s less inventory on the market as sellers hold off from listing their home, interest rates are absurdly low, and that’s fueling a housing shortage that’s causing buyers to pay more to get the same home - driving up prices. All in all, though…at the end of the day, what this tells us is that we should NOT ONLY have cash on hand to see us through potentially rough times, but also that the safest option is to continue to stay invested in the markets. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
THE DOWNFALL OF CREDIT CARDS | HOW TO PREPARE
THE DOWNFALL OF CREDIT CARDS | HOW TO PREPARE
4 months ago
According to new findings from Business Insider, there could be a new potential alternative to credit cards - here are my thoughts, enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Business Insider just published an article, citing that consumers have been abandoning their credit cards, and pushing $100 Billion dollars worth of spending on…wait for it…DEBIT CARDS. That’s right…Visa found that their credit card usage DECLINED by 21%…while debit card usage INCREASED by 12% year over year. And the first time in almost EVER…debit cards have begun offering rewards, similar to that of a credit card. However, even though a debit card offering ANY amount of money back is rather remarkable, I do want to say this: There are still so many DISADVANTAGES of using a debit card instead of a Credit Card…and it’s for these reasons that I almost NEVER recommend them for anyone to use on a regular basis: One, Credit Cards are so much better for security - HANDS DOWN. Even though Debit cards are getting BETTER, they still have a long way to go…anytime you use a debit card, you’re basically giving the entire world direct line to your ACTUAL money sitting in your account - and, in the event of an error or an overcharge, getting your money BACK on short notice can be difficult since the money is taken directly from your account. The SECOND reason I never use a debit card is because it doesn’t have the PURCHASE PROTECTION BENEFITS like a Credit Card has. See, many credit cards will offer this as a perk of using their service…and this should be reason enough for you to start charging everything on your credit card. The THIRD reason I don’t use debit cards is because the rewards the offers just PALE in comparison to that of a credit card. Like, none of the debit cards listed offer a sign up bonus…and with a credit card, just sign up, meet the minimum spend, get a whole bunch of points…and use that for free travel, hotels, or cash back…all for using this instead of a debit card. And finally…the last reason to use a credit card Is to boost your credit score and credit utilization. In the United States, your credit score is a huge factor in determining whether or not you can get a loan to buy a house, car, or any other purchase you want to finance…it also determines what interest rate you pay, and whether or not you get a low interest rate, or a high interest rate. So I’d like to think ALL of those reasons I just mentioned are fairly compelling just to use a credit card for EVERYTHING, and to ditch the debit card and cash altogether. HOWEVER…there is FINE PRINT to this, where sometimes it’s BETTER not to use a credit card….and these are my thoughts: You should NOT use credit cards to rack up debt IF you don’t have the money to pay it off, in full, when it’s due. You should never pay a single penny in interest, you should never increase your spending just because the money isn’t immediately taken out of your account, and you should have the cash available to pay it off, in full, at all times. Basically, just treat your credit card like it has a direct line to your bank account - if you can’t pay it off immediately or have the money on hand to pay for something, then don’t do it. The REASON credit card companies offer such good rewards is because MOST PEOPLE DON’T DO THIS…and it’s PROFITABLE for the credit card companies to pay a small portion of their users really good rewards, just to lure everyone else in who will never use them, or pay a lot of interest. This IS an opportunity for you to make money off credit card companies…but, you also have to acknowledge that most people WON’T use it correctly…and that’s how companies can keep these rewards going in the first place. Be smart! For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The NEW BAILOUT For ALL Investors | What you MUST Know
The NEW BAILOUT For ALL Investors | What you MUST Know
4 months ago
The Federal Reserve JUST released its new Economic Policy Report - here is what’s in it, what they warned us about, and where they see the markets going - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Full Report Here: www.federalreserve.gov/monetarypolicy/files/20200612_mprfullreport.pdf Let’s start off with some of the GOOD NEWS FIRST: They’ve stated that they’re “Committed to using their full range of tools to support the U.S. economy in this challenging time, thereby promoting its maximum-employment and price-stability goals.” they’ve made it VERY clear that, if anything should get TOO BAD…they’ll do everything within their power to lift us back up and support the economy. Next: Inflation has actually GONE DOWN. According to their report “Weaker demand and significantly lower oil prices are holding down consumer price inflation” - Now, this is largely due to the fact that most places are you can’t really do much else other than save it, so a bit of this is “forced” rather than voluntary. Lastly: The FED will keep interest rates close to 0%. According to the report: “They expect to maintain this target interest rate range until it is confident that the economy has weathered recent events and is on track to achieve its maximum-employment and price stability goals” They’re going to keep interest rates at pretty much 0% for as long as it takes for us to recover, which could very well be a few years based on their estimates. BUT NOW…we have to go on to some of the bad news, unfortunately: First, it was found that “The most severe job losses have been sustained by those with lower earnings and by the groups that are disproportionately represented among low wage jobs.” One - low wage earners are more likely to lose their jobs altogether. And even though high wage earners are more likely to KEEP their jobs - they’re just as likely to receive a pay cut. The other bad news, depending on how you look at it, is that they found: “Borrowing conditions are tight for individuals with low credit ratings, but credit remains available to those with strong credit profiles.” Here’s what this means…if you’re someone with money, with a good credit score, who doesn’t NEED to borrow money…you’re going to have an easy time borrowing money, because YOU are less of a risk to banks. On the other hand, if you don’t have money and you don’t have a good credit score…getting a loan is going to be difficult. So, overall…here are the main takeaways: One, the Federal Reserve is going to watch over the economy and do everything in its power to keep us going - including keeping interest rates at historically low levels. Two, they don’t anticipate any issues with inflation because people aren’t spending money, and the savings rate increased to 33% last month. With fewer people spending money, there’s less upward pressure for prices to increase…and no inflation….for now. Three, the worst job losses are happening among low-wage employees, especially in service industries that had to be shut down. Even higher paying jobs are seeing pay cuts, although they’re not as severe. Because small businesses employ the majority of low income workers, the FED says that keeping small business afloat will have the biggest benefit to our economy. Four, getting a loan will be significantly more difficult if you have a bad credit score…and, if you have a good credit score, things will be significant easier for you. So, take some time to begin improving this if you can - this isn’t difficult, and with very little work, you can do a lot to boost your score. And five: they estimate this will take us several years to begin to return to normal. They don’t anticipate jobs and demand coming back immediately, and only time will tell how this plays out. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The Stock Market is EASY MONEY | DO THIS NOW
The Stock Market is EASY MONEY | DO THIS NOW
4 months ago
Let's discuss how NOT to invest, some of the biggest mistakes people are making today, and how to make money in this market - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB CNBC just posted that The Market Has Gone Wild: Penny stocks are up nearly 80% on average in the last week. They found that, recently, Stocks trading below $1 per share have had an average gain of nearly 80% in the past week…and much of that movement was caused by retail investors looking to buy beat up companies for a quick profit. www.cnbc.com/2020/06/10/market-gone-wild-penny-stocks-are-up-nearly-80percent-on-average-in-the-last-week.html I’ll be honest…this type of investing is beginning to remind me of the CC Bubble in late 2017, except this time…gambling is disguised and justified under the veil of “investing,” and even though many of these companies are NOT worthless, and have real value…there’s just the common mindset that you should buy into the hype train and risk money, because someone else will most likely be willing to pay even more, later. Now, I want to make the distinction that investing in a hard hit company, with solid fundamentals, long term, is NOT what I’m talking about here…but, instead, this gamblers mentality that becomes a game of musical chairs, knowing that a company is about to be worthless, but hoping the price will go up high enough to make a profit, and leave someone else holding the bag. Unfortunately, I do think that this is going to burn a lot of people who confuse investing with excessive risk…and, if you find yourself in this position, recognize the risks involved, and preferably ONLY play with money that you’re okay with losing. That’s why the age old: invest consistently, buy and hold long term, still applies here. Honestly, the entire market is unpredictable and we have NO Idea what’s going to happen in the short term…that’s why it’s better to buy in, and keep buying in on a consistent basis. If prices go down, you buy lower - if they go up, you’ve made a profit, and can continue buying higher. If you invest in a broad index fund, much of this doesn’t apply to you and you can grab your popcorn and watch…but what’s going on with some of these individual stocks, like JC Penny, Herz, and even Nikola stock…is just gambling. And sure, there’s the possibility of making a lot of money - but, you could also LOSE a lot of money. So, just remember…even though it might be TEMPTING to throw money in some of these companies for fun, or because you see the price just going up…realize that it’s insanely risky, and NONE of this is sustainable. If you have any significant amount of money…just invest normally, max out your retirement accounts with an index fund, and call it a day. If you have money left over you don’t mind potentially risking…go for it…but, don’t confuse that with investing. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Tenant Trashed My Property | What It Looks Like Now
Tenant Trashed My Property | What It Looks Like Now
4 months ago
SimpliSafe is award-winning home security that keeps your home safe around the clock. It’s really reliable, easy to use, and there are no contracts. Check out SimpliSafe here: simplisafe.com/graham - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Here is the final episode of my 6 month renovation series and tutorials about how to invest in real estate and build wealth. All previous episodes here: Tenant First Moved Out: us-channel.com/down/qnzVua3UqYqXs5s/video Demolishing my property: us-channel.com/down/03GYqse_q36KtoU/video Remodeling Costs: us-channel.com/down/2ISl2bXelIaXypc/video Everything wrong with my remodel: us-channel.com/down/t6ypk73MjqRsspc/video For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
A WARNING for ALL Investors
A WARNING for ALL Investors
4 months ago
With the market soaring back to all time highs, here is what you be warned about anytime you invest in stocks or real estate - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main The US-channel Creator Academy - $200 OFF FOR 48 HOURS WITH CODE 200OFF: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=200OFF JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB First, here’s what we need to talk about, the single best 50-day rally EVER in history…with the SP500 returning almost 38% within that timeframe. www.cnbc.com/2020/06/03/this-is-the-greatest-50-day-rally-in-the-history-of-the-sp-500.html And even though this might seem INCREDIBLY encouraging, and a reason to throw all of your money right now into the stock market…it’s just as equally important to acknowledge that these statistics can continually be proven to be true…until they aren’t, and just because something has happened continually in the past, doesn’t mean with 100% certainty that it always will be the case - and you can typically find SOME metric to back up whatever you think is going to happen. No matter WHAT you want to believe, you can find information that will back you up - whether it be positive, or negative…and, especially online, it’s VERY easy to find yourself in an echo-chamber that reinforces whatever you want to think. Remember this: ONE: Things will ALWAYS be true - until one day, they might not. That includes that the SP500 has ALWAYS been up following the strongest 50 day rally in history. Is this LIKELY to be the case? MAYBE…but, it certainly doesn’t guarantee it, just because it’s always done that in the past. And TWO: Be VERY cautious of confirmation bias with the information you read online. There will be evidence to support whatever you believe in if you look hard enough - and whether or not its actually true, closing yourself off to other information can immensely hinder your ability to perform well as an investor. And, guys..I get it…my videos like this are repetitive. I don’t necessarily like re-making the same messages over and over again, but sometimes it’s necessary as a reminder for people who forget that this REALLY SIMPLE APPROACH still works. This is NOT to say that the market can’t go down another 20% from here…maybe it can, or maybe it goes up another 20%. But, really, none of that matters…when you’re investing your money long term, the price of the stock market between now and the time you retire and need the money is just white noise. Plus, instead of being FEARFUL about drops like this…you should look forward to them, in a way. When there’s such an intense correction, see it as though you’re getting a discount on EVERYTHING…it’s a Black Friday sale for your money. Like, you wouldn’t be upset if I lowered the price of my US-channel creator academy program by $200 for 48 hours, right? Link down below in the description…of course not, because now you get to save money. Stocks are the same way. The ONLY time you should be concerned about this is if you’re within a few years from retirement…in which case, typically, you wouldn’t have so much exposure to the stock market, anyway, and you would’ve allocated a percentage of your portfolio to safer, more stable investments…but, again, outside of retiring and not having rebalanced your portfolio earlier, it’s a good opportunity. Yes, that’s REALLY going to test a lot of people whenever the market drops again - but, it’s shown time and time again, consistently, that holding and continuing to buy in is going to pan out the best in the long run. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
My Tesla Model 3 Regrets | The TRUTH After 15,000 Miles
My Tesla Model 3 Regrets | The TRUTH After 15,000 Miles
4 months ago
Now that I’ve officially owned the Tesla Model 3 for over a year, here is my update, my thoughts on the car, my experience owning one, and how I think it can be improved. Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB FIRST: PRICE From a BUSINESS perspective, it’s interesting to see how Tesla choses to price their cars…unlike most car manufacturers, you don’t have a lot of options with Tesla. This is done on purpose to be able to streamline the production process as much as possible for Tesla, keep overhead low, and build in as much profit margin as possible while they continue growing…and, I think it’s a great strategy. TWO: GLITCHES Half the time I go to open the car door…it just doesn’t open for whatever reason. So, in order to open it…I have to unlock my phone…from there, it’s another 50/50 chance of it working…and, if all else fails, I have to sit there while the Tesla app loads on my phone…which usually takes 5-10 seconds…and then, once it’s opened up, the car will unlock. A little minor annoyance more than anything…but, still…I hope this is fixed at some point. THREE: PAINT ISSUES In terms of paint quality…overall, I’ll be honest…it’s just okay, and while it’s probably GOOD enough…there are some areas of the car that needed attention. There have also been issues with under-spray between some of the body panels that were missed….now, in Tesla’s defense, NONE of these are actually noticeable if you aren’t looking for them…but, once you see it, it’s hard to miss. FOUR: FUNCTIONALITY This car pretty much DOES do it all. Storage is absolutely incredible…you have the front trunk, which I have NEVER actually used…but, it’s cool that it’s there. You also have a HUGE trunk with seats that fold down anytime you haul stuff. FIFTH: SENTRY MODE The small cameras around the car can used for recording motion, and then storing that footage on a memory card for you to view later. I WISH…however…that there was an option to LIVESTREAM the Sentry Mode from your phone just to check on things…that way, your car could almost act like a security camera wherever it goes…I also wish you could record audio with this, as well…so, while something is up to no good doing something, you could hear what they’re saying. SIXTH: THE TOUCH SCREEN When you’re parked, the entire screen turns into an entertainment console where you could watch US-channel videos, go on the internet, check in on Netflix, etc.. UNFORTUNATELY…to have access to anything that requires the internet, you do need to pay for their data streaming, which costs an extra $9.99 per month…personally, I wish I just had the option to use my phone data and tether that to the car to use. AND IDEALLY…at some point in the future…I’d like for the touch screen to be customizable, where you can re-arrange the icons depending on your own preference, similar to an iPhone. But, on a more positive note…overall, my ownership experience with Tesla has - by far - been INCREDIBLY enjoyable. The minor annoyances are really just that…minor…and, overall, I LOVE the car, and in a way - it’s spoiled me from enjoying anything else. I literally wouldn’t get another car besides a Tesla at this point, just because I like it so much. This is the only car, too, that just gets BETTER with time, as weird as it is to say. Tesla constantly releases updates every month or so that improve the features of the car, that increase its mileage, that maximizes its speed, and they’re constantly optimizing…so, this has only gotten MORE ADVANCED since I bought it. HOWEVER…If I were to do it all over again, I do regret not getting the long range model instead…that would've saved me so much time from having to make extra stops at super chargers. And I should’ve bought the white interior…lesson learned. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
YOUR MONEY IS IN DANGER | HOW TO PREPARE
YOUR MONEY IS IN DANGER | HOW TO PREPARE
4 months ago
Let's discuss the stock market rally, statistics of millionaires, the recent auto loan problem, and several other economic warnings that have a direct impact on your money - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB ALL ARTICLES HERE: news4sanantonio.com/news/offbeat/man-breaks-into-cali-bank-to-heat-up-hot-pocket-gets-arrested-says-it-was-worth-it www.reuters.com/article/us-health-coronavirus-usa-stocksales/u-s-companies-issue-shares-at-fastest-rate-ever-selling-the-rally-idUSKBN2383NG www.cnbc.com/2020/05/27/millionaires-bet-that-stocks-will-take-at-least-another-year-to-recover.html www.cnbc.com/2020/05/28/millionaires-cut-spending-postpone-big-purchases-for-at-least-a-year.html www.cnbc.com/2020/06/02/wells-fargo-cuts-back-from-making-loans-to-independent-car-dealerships.html FIRST: It was found that US Companies issued more than $60 BILLION worth of stock in May, the BIGGEST amount EVER - as prices rallied from a potential recovery. Companies sell off shares like this to raise money NOW, and they want to lock in the current rally JUST IN CASE the market drops back down…so, even though the headline is alarming, it makes sense. Companies get more more cash on hand to weather a downturn, they get to sell while people are buying…and even though we COULD see a stock market drop in the future, it doesn’t guarantee prices will go down from here. SECOND: Wells Fargo and the recent announcement that they’ll NO LONGER be issuing Auto Loans for independent car dealerships. It’s a smart move for Wells Fargo, but a BAD sign that the used auto industry is about to take an even deeper hit, and most likely for the foreseeable future…getting a loan is going to become a lot more challenging for everyone. THIRD: Millionaires plan to reduce their spending I think it’s reasonable that, during tough times…most people reduce spending and postpone purchases. It's not surprising, either, that many of them think their assets will be the same or HIGHER in the next 6 months. FOURTH: Nearly two-thirds of millionaires said that it would take the market at least a year to recover back to its previous all time high. I interpret this as rather optimistic that the market would rebound so quickly. And while it says that they “only plan to put about a third of their money into stocks” - that’s actually a significant amount of money, with the MAJORITY of millionaires ADDING to their stock position during the decline. FIFTH: CFO’s believe the DOW will fall another 20% down to 19,000 Any rational, NUMBERS DRIVEN person can look at the stock market - compare it’s relative value of where it was, versus where it is now…make the connection with our current economic environment, which is terrible…and then make the conclusion, that we shouldn’t be trading at these levels right now…and they would be right! BUT…there is an element to the market that is totally irrational, money HAS shifted to companies with a strong online presence, and instead of trying to go against it - it’s better to be cautious and invest long term. SIXTH: Real estate saw the biggest monthly gain in 2 years HOWEVER…the DECLINE would potentially come once more sellers begin to list their homes for sale…which, could very well happen in hard hit tourism cities like Miami and Florida. And, we could see a drop in sales prices once the reality sinks in that jobs might not come back as quickly as we expect. I’ve mentioned this in a video before, but real estate very much lags the rest of the market, and it’ll likely take us 6 months to see what truly ends up happening TODAY…so, even though there is some optimism here, it’s something to keep a close eye on. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The End Of Credit Cards | A Warning To Credit Users
The End Of Credit Cards | A Warning To Credit Users
5 months ago
Credit Card Forbearances just increased by 10,000% - here’s why and what this means for you and your credit. Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB First, lets cover the basics and address some of these headlines - we’ve got Millions of Americans Skipping Credit Card and Car Payments, which represents users who claimed “Financial Hardship,” which allows them to defer payments, interest free, without affecting their credit score, for a pre-set period of time. www.wsj.com/articles/millions-of-americans-skip-credit-card-and-car-payments-11589985381 As it stands right now…the outstanding Credit Card debt isn’t looking good. At the end of 2019…Americans had accumulated $930 BILLION DOLLARS worth of credit card debt, and that works out to be an average of $5700 worth of debt per person. And, just liked you’d expect…when you break that down further, the people who have the LOWEST household net worth are the ones who have the HIGHEST amount of credit card debt, likely because they have no other option than to use a credit card….and because credit card interest rates can be ridiculously high, it makes it extremely difficult to pay off if you can only afford the minimum payments. The CONCERN is that people dig themselves into more debt by borrowing money, as indicated by the 25% of people who have increased their credit card debt during the crisis…and, when all of this is over, unemployment still remains high, the stimulus runs out, the unemployment benefits run out…and banks are left scrambling when a portion of those people don’t pay them back. So, really - at the end of the day…here’s where we stand, and here’s what this means: First, having such a huge number of people requesting financial hardship assistance on their credit card is not surprising. It’s easy to do, banks have made them extremely accessible, and for anyone who’s unsure of their financial future - it makes sense to pause payments, and solidify the essentials before coming back to the credit card debt. Second, it’s absolutely concerning that so many people have been faced with financial hardship - and, inevitably, a portion of these credit card users will be unable to repay their debts once this pause-period is up. I certainly expect default rates to climb for the time being, and a LOT of this will depend on how quickly our economy begins to stabilize once people return to work. And third, I think the most likely outcome from this is that - for the next few years - credit cards are going to be more strict about who they give loans to, they’re going to give you less of a credit limit, and they may potentially charge slightly higher interest if they determine that too many people aren’t making their payments. Ultimately, when used properly…credit cards can be a VERY useful tool to leverage your money, build your credit, get cash back, and travel for free - and that’s the reason I like and use them so much. But, when used as a cash advance, without the money to pay it off in full…it can be a recipe for disaster. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
NEW $1800 PER MONTH STIMULUS REVEALED
NEW $1800 PER MONTH STIMULUS REVEALED
5 months ago
Lets discuss the details of the new $450 per week back to work stimulus check proposal and what this means for everyone watching - Enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB FULL TEXT HERE: www.portman.senate.gov/newsroom/press-releases/senate-floor-portman-discusses-need-incentivize-returning-work-boost On May 20th, Senator Rob Portman discussed the need to incentivize employees to return to work, because as it stands right now - a study found that 63% of those who are receiving unemployment, are now making MORE money from unemployment than they do from working. This was somewhat done intentionally, because it would be a logistical NIGHTMARE to cap someone’s unemployment benefit to a certain percentage of what they were making…and implement that on a wide scale, all at once, when tens of millions of people are out of work…so, the thinking was: we’re just going to give a flat $600 per week to EVERYONE, some people will make more, some people less..but it’s better to give too much, than too little…and that’s that. However, the worry is - with unemployment paying more than half of its recipient MORE than they made while they were working…that many of those people won’t have an urgent incentive to return back to work. Plus, alongside that…many employers are hesitant to tell their employees to return to the workforce, when that mans their employees would be earning less money. At the same time…you can’t just cut out the unemployment benefit altogether, without giving people time to adjust, return back to work, and get situated…so, that’s where THIS plan comes in. Rob Portman suggested that workers should receive a $450 per week BONUS to return back to work, that they can keep in addition to the money they earn working. According to him, “$450 per week represents the amount that would be needed to make a person making the average minimum wage better off in the workforce than on unemployment.” That means that they’d now make, on average, more money working than on unemployment…and that would be the ideal way to shift people back into their work. In addition to that, it would put more cash in people’s pockets, it would make employers more likely to see their employees return, and it’s slightly cheaper than giving out $600 per week as it stands now. HOWEVER…there are some downsides with this… One, is that this does NOTHING for frontline employees, or employees who were already working throughout the entire crisis. Second, is that this doesn’t provide any assistance to those who are living on social security, disability, or retirement income… And third…this does nothing to help people who don’t have a job to return back to. When you begin looking at it from THIS perspective…then it becomes apparent that, even though it’s well intentioned, it does nothing for people who are laid off and can’t find work….and, arguably, those are the people who are most in need of stimulus. At the end of the day…we’re all trying to figure out a solution, but it’s not an easy problem to fix - and there are a LOT of variables that come with this. As of now, the current plan of action seems like: we’ll re-open the economy, wait and see what happens around late June…and then, if it’s absolutely necessary, we’ll CONSIDER dispersing more money. And that’s the main update everyone has been waiting for. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
DON'T TRUST THE STOCK MARKET | WHAT YOU MUST KNOW!
DON'T TRUST THE STOCK MARKET | WHAT YOU MUST KNOW!
5 months ago
As the SP500 begins to cross back above 3000, lets discuss what’s driving this growth, whether it’s a good time to invest, and the strategies you could use to make money - enjoy! Add me on Instagram: GPStephan LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ THE NEW PODCAST: us-channel.com/will/MSYZVlQmyG8_2MkIKzg0kw.html The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB We’ll begin by looking at the SP500, which is an index that tracks the top 500 publicity traded companies here in the United States...and this is weighted, overall, by the companies market value…so, the more valuable the company is, the more that company is going to influence the entire SP500. Now this is really important to mention…because, out of 500 publicly traded companies…the 6 LARGEST ones make up about 25% of its ENTIRE VALUE…those companies are Facebook, Apple, Amazon, Netflix, Google, and Microsoft - otherwise known as the acronym, FAANGM. Then, the other 494 companies make up the remaining 75% of the value. www.slickcharts.com/sp500 Even more interesting, if we look at every company within the SP500 year to date…we can see that 395 of them have LOST VALUE…and the remaining 110 have seen a moderate gain since the beginning of the year. But, that gain is HEAVILY influenced by the largest tech companies that just so happen to be BOOMING right now. www.slickcharts.com/sp500/performance The FAANGM stocks have far outpaced and exceeded the growth of the rest of the market, by far…and, over time, they’re becoming increasingly more valuable. www.yardeni.com/pub/yardenifangoverview.pdf That just means that - most likely - it could be the new “normal” that a few large companies lead the majority of the stock market, as they’re able to reach billions of people through the internet - and this type of growth is going to become more common as we become more and more centralized online and with technology. For the majority of people out there - a simple broad market index fund is going to be the best option, long term. This means that - instead of going and buying specific stocks - you can invest in ALL OF THEM, at the same time, all in ONE FUND. The benefit to this is that, if a few don’t do so well…most likely, others companies will make up for it. Likewise, if a few do REALLY WELL…you’ll get to enjoy that benefit on a small scale, consistently. Over the long term, it was found that these index funds outperform even the most advanced hedge fund managers… BUT - Do keep in mind - the REASON the overall stock market has risen so much, WAY more than we’d normally expect - is mainly due to a few specific Tech companies who are doing EXCEPTIONALLY well during the crisis. They are driving a LARGE portion of the market right now, and that’s why we’ve seen such a large resurgence in stock prices while many other companies are down. Just look at Amazon hitting its ALL TIME HIGH as everything is shut down. Netflix also hit its all time high. So did Facebook. And the other top tech stocks aren’t far behind. So, keep that in mind the next time you invest in the SP500… For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Stopped Paying Mortgage | The 2020 Real Estate Collapse
Stopped Paying Mortgage | The 2020 Real Estate Collapse
5 months ago
Lets discuss the upcoming real estate collapse, the setbacks of mortgage forbearance, and how this impacts values - enjoy! Add me on Instagram: GPStephan Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB We can start by looking at Redfin, who’s one of the leading real estate brokerages who analyzes home buying and selling data. They found that - in April - we saw a 50% DECLINE of inventory on the market compared to the previous year…meaning, 50% of sellers are holding off from listing their home and choosing NOT to sell. HOWEVER…NOW, in May…we’re finding only a 24% drop in listings from the prior year, which indicates that sellers are SLOWLY beginning to re-enter the market and list their homes for sale, although there’s still far less inventory on the market than usual. NEXT - as far as LISTING PRICES are concerned - meaning, the price a seller LISTS a property at…Redfin found that listing prices are UP 5.4% from the previous year, following a 1.7% drop in April that brought the average listing price down to $302,000. BUT EVEN MORE SURPRISING was the surge in HOME BUYING DEMAND, which has just surpassed PRE CRISIS levels. Now, for anyone unaware…Redfin classifies home buying demand as anyone who reaches out to tour a property, make an offer, or inquire about buying a home…and this shows that there are still people out there, wanting to buy, and waiting for the right opportunity to do so. And…the shock of home buying doesn’t end there…they found that homes are selling at the EXACT SAME SPEED as they were back in 2019…meaning, as of May 8th…45% of listings are under contract within 2 weeks, with mortgage applications up 11% from a week earlier. BUT…with all of that, I’m sure what we ALL want to know about is PRICE…are real estate PRICES going UP, or DOWN? And data from the National Association of Realtors found that home PRICES actually INCREASED in 96% of all Metros during the first quarter. CoreLogic, one of the largest data analytics companies, found that - even though prices have risen 4.5% year over year…they expect that, over the next year, we’ll only see an increase of half a percent from where we are now. www.corelogic.com/insights-download/home-price-index.aspx Zillow also published their own predictions, which estimated that real estate values would drop 2.7% by October of this year. www.zillow.com/research/prices-sales-forecast-coronavirus-26975/ HOWEVER…I also want to be a total realist and say this: The reason home prices have yet to be affected, is because real estate prices typically lag behind everything else. In addition to that, interest rates are INCREDIBLY low…so much so, that it’s essentially FREE MONEY for anyone who gets an interest rate below 3.5%. The OTHER reality, is that anyone who doesn’t NEED to sell a home, isn’t selling a home. There are plenty of people who were planning to move, but just decide, instead, to hold off…that means less inventory on the market, and with less inventory - combined with low interest rates - housing prices should remain relatively stable. So, even though as of RIGHT NOW - housing has barely been impacted - there are a lot of “What ifs” that could mean the difference of prices continuing to hold steady, OR the market going down. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
My response to Kevin O’Leary | Shark Tank
My response to Kevin O’Leary | Shark Tank
5 months ago
Here is my response to Kevin O’Leary of Shark Tank and his video on me with CNBC Millennial Money - enjoy! Add me on Instagram: GPStephan Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB ORIGINAL VIDEO: us-channel.com/down/to7Yt7HQl6ys0Zc/video KEVIN’S RESPONSE: us-channel.com/down/wWq2yrHKmXp2p30/video So, let me start by saying this…I’ve been watching the show Shark Tank back when it first came out in 2009. For anyone who isn’t aware what that show is, it’s basically where entrepreneurs pitch their ideas to a group of investors, known as Sharks…and then we get to be the fly on the fall to look into some really bad business ideas, some really genius inventions, and the investor - Kevin O’Leary, always asking for a overly ambitious royalty deal that sends people into tears. Anyway, I’ve been a big fan of this show and I found it insanely inspirational to see and hear about peoples businesses, the behind the scenes of how it works, and the investor’s criticism that everyone thinks their business is worth way more than it actually is. And, in the back of my mind…I really looked up to the Sharks on the show….to me - they were like the pinnacle of success and what you could achieve with hard work and a good idea. So, when I found out that Kevin O’Leary was going to react to my episode of Millennial Money…I KNEW I had to react, to Kevin O’Leary, reacting to me. He’s absolutely someone I look up to, and since he’s known a for being the really blunt, mean guy on the show…kinda like the Simon Cowell of business…I knew this was going to be an interesting episode. This is my response. And Kevin: Would love to collab! For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
STOP SAVING MONEY | The NEW Economic Threat
STOP SAVING MONEY | The NEW Economic Threat
5 months ago
Go to audible.com/grahamstephan or text ‘GrahamStephan’ to 500 500 and start listening today - Enjoy! Add me on Instagram: GPStephan Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB This last week, one of the biggest headlines in the news was that we have a NEW threat to our economy: Americans are saving like it’s the 1980’s. www.cnn.com/2020/05/12/investing/jobs-coronavirus-consumer-spending-debt/index.html That’s right…Americans are now SAVING TOO MUCH MONEY, and that’s going to be the new downfall of our economy. After all, if people aren’t spending money…businesses won’t have as many customers, they won’t hire as many people, unemployment will remain high, some businesses might shut down, even more people will be laid off, more people will be competing for the same jobs, that drives DOWN the price of labor, businesses make less money so the stock market declines even more…and now, we’re stuck in a spiraling downtrend of economic mess, all started because people were holding too much money. Basically…the convention wisdom is: We should all save a portion of our income, and the more money you can save - the better off you’ll be. But, the COUNTER to that argument is: We still need people SPENDING, because - otherwise, businesses don’t do as well, and when businesses don’t do as well, they hire fewer employees - and, when fewer employees are hired, you’ll end up making LESS money - which means you won’t be able to save as much. So, saving money is good for you…but, saving TOO MUCH is bad for everyone else…and that’s where the problem lies. HOWEVER…in terms of what this means for our economy…we can’t deny that the economy DOES benefit from a surplus of spending...the more money that gets spent, the more it circulates throughout our economy, and the more the entire economy can grow. When the spending stops, that’s bad for business…and bad for growth.. However…if people aren’t spending money…it has to EVENTUALLY go somewhere. And in this case, the more people are saving - generally, speaking - the more money they can INVEST, and the more money they can spend LATER as things slowly improve, which will - again, at some point, end up back into our economy. Another benefit is that the more money people save, the LESS money is spent on debt re-payment - the less money spent on bankruptcy - the less money spent on payday loans - and that’s MORE free cashflow that can be left over for other, more valuable and important purchases. We’re in VERY a unique time, NOW, where many businesses were FORCED to shut down, many people were FORCED out of work, and it’s unclear how much demand is going to pick up once things begin to normalize. Should businesses re-open, and there’s NO money to be spent…as it stands right now, that CAN be detrimental - and it’s something to absolutely remember. So, YES - this is why articles like this point to high savings as a weakness of our economy. After all, the amount of spending and savings is directly correlated with the consumer confidence that they’ll make enough money to pay for the things they buy. When that confidence goes away…they begin saving more money. HOWEVER…THIS IS A UNIQUE TIME. Businesses might begin to shift more online…restaurants might expand their takeout services…more people could work from home, where retail offices are no longer in demand - and, In the short term, this could be crippling to some businesses…but PROSPEROUS for others. This might take some time to come back…and, inevitably, there will be businesses that just can’t adapt. Unemployment could remain abnormally high for awhile. But, I believe, EVENTUALLY, businesses will come back up, and spending will increase for the majority of people, although this could very well change the landscape of how we operate our businesses, where we work, and how we smash the like button for the US-channel algorithm. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The aftermath... Tenants Stopped Paying Rent
The aftermath... Tenants Stopped Paying Rent
5 months ago
Last month, I addressed an article that nearly a THIRD of Tenants were unable to pay April Rent…here is what happened with those tenants, enjoy! Add me on Instagram: GPStephan Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB A little over month ago, almost down to the day, articles were flooding the internets with the big, giant bold claim that: Nearly a Third of U.S. Apartment Renters Didn’t Pay April Rent www.wsj.com/articles/nearly-a-third-of-u-s-renters-didnt-pay-april-rent-11586340000 First, almost every single article mentioned that the Vice President of the National Multi-Family Housing Council, who were the ones that conducted the survey in the first place…said that “The New Data For April With Historical Data is not a true representation of how rent payments are progressing.” The issue was that the cutoff for paid rent ends on the 5th of the month…and, since April 4th was a Saturday and April 5th was a Sunday, payments made during those days would not be counted until Monday, April 6th…AFTER the data was already analyzed. Second, this only counted tenants who paid ON TIME…and IGNORES all the payments that just happen to be a little late. During times like this, I think it’s UNDERSTANDABLE if tenants wind up needing a few extra days to pay their rent. However - here’s what happened. Even though nearly 1/3rd of tenants didn’t pay their rent by April 5th…once we count April 6th, just like I predicted…the number of tenants who paid their rent SPIKED UP all the way to 78%. Within a week after that, 85% of tenants paid their rent…and by the VERY END OF THE MONTH…94.6% of tenants paid their rent. www.nmhc.org/rentpaymenttracker Now, of course…when we compare that to LAST YEAR, APRIL 2019…it was found that 97.7% of tenants paid their rent…so, based on one month of data, we’ve only seen an increase of 3.1% not paying their rent…which, lets be real, is FAR from the figure previously reported on. As for THIS MONTH NOW, IN MAY….it was shown that 80.2% of tenants paid rent on time, as calculated by the 6th of the month…compared with 81.7% which had paid their rent during the same time in 2019. Now, as far as whether or not this trend continues is up in the air…although, to me, it’s not too surprising that so many people continued paying their rent, for two reasons: One is how rent payments are structured As it stands, missed rental payments are NOT forgiven -meaning, if you don’t pay, you’re still going to owe the rent at some point in the future - and, even though many counties have enacted a RENT FREEZE which would temporarily prevent the landlord from filing an eviction, it doesn’t STOP the landlord from collecting payment at a later date. Two, I have NO DOUBT that the Stimulus and Unemployment benefits have helped, to a certain degree. If people are able to collect an ADDITIONAL $600 per week from the Illness, on top of their normal unemployment benefits…I think it’s no wonder that the amount of tenants who were unable to pay is as LOW as it is, to be honest. The BIGGEST elephant in the room here is that the $600 per week unemployment benefit is set to expire on July 31, and…after that…we have NO CLUE if things are going to continue. IF businesses open back up by July…I THINK missed rent payments will be held to a minimum by the time the increased unemployment benefits expire. HOWEVER…IF there’s no new stimulus, AND our economy isn’t opened back up, AND people are still out of work - then I would absolutely expect these rental numbers to look a LOT different, with many more tenants unable o pay. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
INTEREST RATES WENT NEGATIVE | GOODBYE SAVINGS
INTEREST RATES WENT NEGATIVE | GOODBYE SAVINGS
5 months ago
Interest Rate Futures just began trading negative - here is what this means, how negative interest rates would impact you, and how you could get paid to borrow money - enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB On May 8th, MarketWatch published an article on what’s known as the Federal Funds Rate…which is the interest rate that BANKS charge OTHER banks anytime they lend money to each other. For the first time EVER…those interest rates just began to go NEGATIVE. That’s because the contracts are trading at OVER 100…meaning, at these levels…you would invest $100 and 2 cents…and then get paid BACK only $100, which works out to be a NEGATIVE 0.02% interest rate on your money. And, the longer out we go from January…the more we can see interest rates are going negative. So, that lends the question…why would ANYONE ever invest money in something like this, EXPECTING that the outcome is that you’re going to back LESS money than you invested? Think of it almost like a safety deposit box, where you pay $50 a year to store your valuables…except, now, you pay the government to hold your money and keep it safe, for the small fee of 0.02%. Now, keep in mind…even though negative interest rates are being priced in to the market…it doesn’t mean that it’s going to happen. Investors right now are pricing in the likelihood of this one day being the case…or speculating that, if interest rates drop BELOW that…they can make some money…but, only time is going to tell how this will unfold…although if it does happen though…here’s the outcome: If that happens, it’s going to incentivize people NOT to hold on to their money, and - instead - spend it. The goal is to penalize people from saving too much, and FORCING them to spend or re-invest it back into the markets - THEREFORE, negative rates, in theory, would help lift the economy from that perspective. If you think this is absolutely just WILDLY crazy and that this shouldn’t even exist…well, there are quite a few countries that ALREADY have negative interest Raes: Switzerland is negative 0.75%, Denmark is negative 0.6%, Japan is negative 0.1%, Sweden is 0…and so is Spain. www.investopedia.com/articles/personal-finance/051415/5-countries-lowest-interest-rates.asp The PROS of doing this is, like I mentioned, it penalizes people and banks who hold too much cash - and it PUSHES people and banks to either lend their money more freely, or invest and spend their money back into the economy to help kickstart growth. The downside, though…is that, as we all know lending money is a RISK…and NO BANK wants to take a RISK that the borrower isn’t going to repay back their loan, AND pay that borrower for the privilege of doing so. Which means, if rates go negative…either lenders would STOP lending money, or they would end up charging fees upfront to make up for their loss. Not to mention, If people take their money out of banks to avoid paying interest, it could also cause LESS money to circulate through our economy. And really…at the end of the day…the purpose behind this is just to AVOID DEFLATION, where our money becomes MORE VALUABLE the longer we hold on to it - or, in other words, it’s the opposite of inflation. When THAT happens…people don’t spend their money, they hoard cash, and that could cause our entire economy to spiral into another endless depression. So, to fight back against that…rates are lowered, people can borrow more, they make less interest on their money so they would rather spend or invest it - and that helps keep a steady amount of inflation, while boosting the economy. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
NEW $6000 STIMULUS CHECK | What You MUST Know!
NEW $6000 STIMULUS CHECK | What You MUST Know!
5 months ago
Lets discussed the finalized stimulus proposal, known as the Heroes Act - Phase 4 Stimulus - and go over a few of the main takeaways that might apply to you. Enjoy! Add me on Instagram: GPStephan Click READ THE FULL BILL HERE: docs.house.gov/billsthisweek/20200511/BILLS-116hr6800ih.pdf Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB STIMULUS CHECK: Anyone making under $75,000 per year will receive ANOTHER $1200 Stimulus Check. As usual, for every $100 you make above this amount, your payout declines by $5. For MARRIED couples, that amount is doubled. THE DIFFERENCE with this NEW proposal, however, is that EACH DEPENDENT is now eligible for an additional $1200 Stimulus Check, up to a maximum of 3 dependents. This INCLUDES college aged and adult dependents. That means, a married family with 3 dependents would receive a $6000 Stimulus Check under this new plan. HOUSING - RENT: This proposes that there will be an EVICTION FREEZE for 12 months based on nonpayment of rent. AFTER THAT, it’s a bit unclear how it’s written - but, it seems to be IMPLIED that the landlord must give an ADDITIONAL 30 days for the tenant to vacate the property. So, in total…that would give a tenant 13 months to live in the property before an eviction can be filed. HOUSING - MORTGAGE: You would be able eligible to receive up to 12 months of MORTGAGE FORBEARANCE. This applies AUTOMATICALLY if you fall behind on your payments. In terms of ESCROW ACCOUNTS - where a portion of your mortgage payment goes towards paying the property taxes and insurance, IF you’re in mortgage forbearance - your LENDER would PAY FOR THESE THINGS FOR YOU. But what’s even more surprising is a clause in here called LOSS MITIGATION for escrow payments, which says the lender will - at their description, either allow you to defer those payments, or FORGIVE ESCROW ADVANCES. Which, is another word for saying - they’ll just pay your insurance and property taxes FOR YOU, and then NOT expect you to pay it back. All payments can be added to the end of the loan, with no adverse impact to your credit report and credit score. UNEMPLOYMENT BENEFITS: The $600 per week benefits would be extended all the way until January 31st, 2021. Other benefits include PREMIUM PAY to frontline workers - this would give an extra $13 per hour of PREMIUM PAY for work beginning on January 27th, and would last until 60 days AFTER the last day of the public health emergency. Capped at $10,000 for workers making under $200,000 per year, and above that, the cap is $5000. STUDENT LOAN FORGIVENESS: As written, The Secretary Of Treasury shall, for each borrower of a private education loan, pay the total amount due for such month on the loan, based on the payment plan selected by the borrower or the borrower’s loan status. The MAXIMUM amount of aggregate payments with respect to an individual is $10,000. SALT CAP DEDUCTION: THIS bill wants to OPEN THIS DEDUCTION back up again, and allow there to be NO LIMITS on this SALT deduction for the next 2 years, until 2022. NOW…do remember that, even though this is much more polished, in depth, and FINALIZED proposal…it’s still just that, a PROPOSAL. And IF this passes on Friday, it goes to the Senate…who will then have to pick this apart and vote on it for this to go into effect. So, I think we’re still another few months away from anything happening…but, at the very least, progress IS being made…even though it’s happening slower than a snail gliding through the dessert. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
INFLATION WARNING: The 2020 DEBT Bubble Explained
INFLATION WARNING: The 2020 DEBT Bubble Explained
5 months ago
Lets discuss the ever growing national debt, whether or not this is a concern, if it’s a bubble, and how this affects your money and investing for the future - enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB The United States is, at its core…kind of like a business. It has what’s called a GDP, which stands for Gross Domestic Product - and that’s the entire market value of all the goods and services produced within the United States..the purpose of this is to measure the economic output of our country, see if we’re GROWING as a society, and when that number goes up - it tells us that incomes are increasing, and people are spending more. Now, this is important because - ALONGSIDE that GPS - includes all of that revenue that the country makes to keep itself running. After all, roads need to be built, the military needs to continue running, police and firefighters need to get paid, like buttons need to be smashed…and so on. Now, a lot of those types of services are all paid for through our tax dollars - and, just with any business, there are going to be times where there isn’t enough tax revenue to pay for all the services that we get. Typically, this is done through issuing bonds and treasury bills - which is just a fancy way of saying: The government will pay people interest if they loan it money. And that loan is guaranteed by the United States, which - lets be real - it’s pretty much guaranteed to pay it back, so people see this as a really, REALLY safe investment. But - in terms of who actually BUYS and OWNS this debt: here you go: www.marketwatch.com/story/heres-who-owns-a-record-2121-trillion-of-us-debt-2018-08-21 So, here are a few concerns that frequently get brought up: One: If interest rates begin to rise, the cost of holding on to that debt become more expensive. Right now, since interest rates are next to nothing…the United States holding on to $25 trillion worth of debt isn’t much of a concern. If anything, it’s BETTER to hold more debt at a time where interest rates are low…than it is to hold LESS debt when interest rates are high - just because, with low rates, that debt is cheaper to keep. BUT…if interest rates were to be at 4%…that debt would begin draining money from other resources, and when the United States needs to figure out how to raise more cash - the worry is that they’ll do it through higher taxation. Two: The other concern is we just carry on as usual…and then leave it up to future generations to worry about. Maybe THEY’LL be the ones that are taxed higher, maybe THEY’LL be the ones with less money spent on public services…or, we can leave it to them to keep kicking the can down a little further until our Grandkids do something about it. In terms of whether or not we should be worried about our debt…the answer is, PROBABLY NOT. When we look at our debt in relation to how much money we make…we’re actually a LOT lower than quite a few other countries. You can see here that, sure, we might OWE the most amount of money…but, we also MAKE quite a lot of money, as well: en.wikipedia.org/wiki/List_of_countries_by_external_debt Secondly, I think it’s assumed that the plan of action here is to keep interest rates low, and then let inflation do its thing - as long as our economy continues to grow, and innovate…that debt will just sit there, whittling away, assuming we don’t keep adding to it. And really…because of that there’s no REASON to pay off the debt early. Why would they? HOWEVER…where I see the biggest obstacle, is IF people stop investing in the United States, and we stop growing as fast as we have been…then the United States will be forced to pay higher interest in their debts to entice more people to lend money, and THAT - in turn - would almost certainly mean higher taxes in the future. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
THE FED JUST BAILED OUT THE STOCK MARKET
THE FED JUST BAILED OUT THE STOCK MARKET
5 months ago
The Federal Reserve just announced they would be buying an unlimited amount of junk and corporate bonds - here’s what this means for the stock market and your money. Enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB This all starts here, on March 23rd, when the Federal Reserve announced that they would purchase UNLIMITED assets in order to support the market…and, literally SINCE that day…the stock market has slowly, but surely, began to climb back to life. www.cnbc.com/2020/03/23/fed-announces-a-slew-of-new-programs-to-help-markets-including-open-ended-asset-purchases.html When companies need debt to stay afloat or expand, they’ll borrow it through issuing bonds. Now, TECHNICALLY - when the FED does this - they’re giving out loans that will still need to be paid back, but because they control the interest rate that they loan money at - they can “Essentially” give these cities, states, and business interest free loans - and the HOPE is that, that money will help everyone stay afloat - and then, when times are good, it’ll get paid back. I But where this gets unusual is that - NOW - the FED is going to be buying CORPORATE BONDS, which is another word for - they’re lending money to COMPANIES, not just states and cities…and, even more alarming - they’re buying JUNK BONDS, which is another word for saying - they’re giving companies money, which have a riskier likelihood that they won’t be able to repay those loans back. At the end of the day, whether it’s intended or not…when the FED goes on a shopping spree for Junk Bonds, it’s INEVITABLY going to translate into high stock prices alongside with it. When struggling companies get really attractive, cheap financing…that’s positive…and, positive news for companies equates to a higher stock market. . Since the Federal Reserve has an infinite supply of money, they can afford to do this as long as necessary - and my guess is that they’re hoping that’s enough to get the ball rolling, and then once we’re in the clear - those companies can HOPEFULLY begin to repay back their debts. The RISK with this is that there’s absolutely NO MORE market discovery, where companies are naturally left to fail…and, since the federal reserve has no collateral with the money they loan…they’re at the mercy of the company for actually paying them back. If that doesn’t happen…too bad, it’ll be absorbed into our national debt and things will continue on as normal. The other concern is that, when we get SO accustomed to 0% interest rates, free money, and unlimited loans…it becomes hard to actually be self sufficient after that. Arguably, prices adjust according based on 0% interest loans…so, when one day interest rates are no longer 0%…if that ever happens, valuations will have to come down accordingly, and that’s a risky move. We’re definitely in interesting times now - and, honestly, who knows what’s going to happen. If this keeps up, stocks might absolutely continue rising for the foreseeable future…so, it’s probably in all of our best interest to continue dollar cost averaging in the markets, diversifying as much as we can, and always smashing the like button for the algorithm. Ryan Scribner video: us-channel.com/down/uKbbp5W3sZudpoU/video For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
NEW MAJOR CHANGES FOR ANYONE WITH A CREDIT CARD (DETAILS)
NEW MAJOR CHANGES FOR ANYONE WITH A CREDIT CARD (DETAILS)
5 months ago
These are the new upcoming changes to your credit score and credit cards - and what this means going forward, enjoy! Add me on Instagram: GPStephan - Click show more to view ad disclosure Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Favorite Credit Cards: oc.brcclx.com/t/?lid=26662102 FIRST CHANGE: Thanks to ASKSEBBY for covering this earlier! Credit Card companies are becoming more strict about approvals, and might be verifying your income by requiring a 4506T form which allows them to view your tax return with the IRS. SECOND CHANGE: Credit Limits are being decreased with no advance notice Credit limit DECREASES during this time - from a credit card companies perspective - make sense. If someone loses their job, or begins using up their savings - then typically, credit cards are next in line. And, if people don’t soon get jobs to be able to repay those cards - the payments will then go into default, and that hurts the credit card companies bottom line. HOWEVER…the downside of this, to you as the consumer, is that - if your credit line decreases, so could your credit score. That’s because 30% of your credit score is made up of your “Credit Utilization,” or - in other words - how much credit you have available to you, versus how much you actually use. THIRD CHANGE: Credit Cards are offering new different rewards. We’ll start with the American Express Platinum, one of my all time favorite credit cards…and they’re EXTENDING the deadline for the signup bonus by 3 months. In addition to that, the American Express Platinum card is adding a $20 per month streaming credit from May 1st until December 31st when you pay for those services with your credit card. That includes Netflix, Hulu, Spotify, and even US-channel PREMIUM. www.americanexpress.com/us/rewards-info/retail.html The Platinum BUSINESS card will also include an extra $20 per month SHIPPING credit, as well…which comes in handy if you don’t have amazon prime, which…you probably should have Amazon prime. ALL BENEFITS: www.reddit.com/r/churning/comments/gbhf6v/updated_american_express_benefits_and_credit/ Another change to a popular card out there is with the Chase Sapphire Reserve which is now offering 5x points on Restaurants until the end of the year. www.doctorofcredit.com/chase-cards-to-earn-3x-5x-points-per-1-spent-at-grocery-stores/ So, all in all…looks like some credit companies are shifting around their resources to make the user experience better…or, make it so that you’re less likely to cancel something with a high annual fee, because you’re stuck at home…so, for people who have these cards already, it’s just a nice little bonus to get while we’re home watching US-channel and smashing the like button. TOP 3 PICKS: The Chase Freedom Unlimited - NO ANNUAL FEE! AND, they’ll give you BACK $200 when you spend $500 in the first 3 months. So, for anyone who was planning on spending $500 within 3 months, anyway…this is a no brainer. The Bank of America cash rewards card - NO ANNUAL FEE! And you get a $200 bonus when you spend $1000 in the first 90 days. Plus you’ll get 3% cash back in the category of your choice, 2% back at grocery stores, and 1% cash back on other purchases. The Citi Doublecash is also a REALLY great 0% interest card, and even though there’s no bonus…you DO get 2% cash back, unlimited, on all purchases…and 0% interest for 18 months. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The BIGGEST Stimulus Check JUST RELEASED
The BIGGEST Stimulus Check JUST RELEASED
6 months ago
Lets discuss the $1.7 Million Dollar Stimulus Check Loophole and exactly how this works - Enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Article Here: “How Some Rich Americans Are Getting Stimulus ‘Checks’ Averaging $1.7 Million Dollars” www.forbes.com/sites/shaharziv/2020/04/14/why-are-rich-americans-getting-17-million-stimulus-checks/#33c4162b665b According to Forbes, “43,000 taxpayers…who earn more than $1 million dollars annually…are each set to receive a $1.7 million dollar windfall, on average, thanks to a provision buried in the CARES Act.” Here’s where this all begins: In 2017, there was an adjustment to the tax code which changed how business owners could structure losses within their company - and this was within the Tax Cuts And Jobs Act. Before then, businesses could write off the FULL amount of a business loss in a given year, which would either cancel out the tax that they would owe against OTHER income…OR, they’d be able to deduct those losses against the previous 2 years, or carry it forward. But, when the Tax Cuts and Jobs Act passed, it LIMITED this deduction to max out at $250,000 / $500,000 - and this was enacted to prevent people from deducting large businesses losses against their OTHER income - like, from a salary, investment accounts, self employment income, you name it. But, the brand new CARES act included a provision that would RETROACTIVELY cancel out this previous tax provision…and it’s as clear as day on page 76 of the CARES Act, for anyone who ever wants to read through it: www.congress.gov/bill/116th-congress/house-bill/748/text I have a feeling, this CARES act provision was overturned to give businesses more liquidity, and MORE MONEY BACK, during a time where - now - they aren’t doing so well. It’s kinda like giving them a bailout by saying: Hey, we won’t give you cash upfront, we won’t give you a loan or a grant… but instead…just claim your losses for the last few years, and hopefully that’ll give you ENOUGH money, UPFRONT, to stay afloat, during times like this. But, realistically…that benefit SHOULD be applied to ANYONE, even the people who experienced a LOSS in the stock market, and had to sell off those stocks to pay the bills and keep a roof over their heads. Because, YES…this $1.7 million dollar “tax refund” will be applied to SOME businesses that actually need it, and YES…it will be applied to some people who absolutely DON’T need it. I think…if you open the floodgates to people, without income restrictions, on how much they can deduct NOW - you should open that up to ANYONE who experienced a loss, even regular people, even if it’s a loss of more than $3000 in the stock market. It just seems, to me, to make the most sense. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The Upcoming Stock Market Collapse Of 2020
The Upcoming Stock Market Collapse Of 2020
6 months ago
Lets address the talk about an upcoming stock market collapse, and the best ways to invest in 2020 moving forward - Enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB During a time where our money is volatile, people are out of work, stuck at home, and looking at other ways to build back their income - many people turning to the stock market as a way to do so…and, inevitably, that’s likely to lead to problems later on down the line, if - and when - things don’t turn out as expected. We have one type of investor who’s sitting on the sidelines, holding out, and patient waiting for everything to begin crumbling down, and for the stock market to FINALLY reflect what’s happening in our economy. BUT…when it comes to all of this, here’s the one thing that always needs to be remembered: The Stock Market is NOT our economy. Even though stock prices CAN be influenced by the unemployment rate, strength of businesses, and how confident investors are in the future…it doesn’t mean the two will necessarily match one another, and what happens with stocks…versus what happens with our economy…can be two TOTALLY separate things. This type of thinking also reminds me of the saying: “The Market Can Remain Irrational Longer Than You Can Remain Solvent” This means that - as much as you believe something SHOULD happen…like, we SHOULD see the stock market go back down - the market can, and WILL, outlast you and your money. But now, let’s talk about that second type of investor - the ones who’s optimistically plowing themselves back into the market right now, because things HAVE to go back up to where there were before, right? And the faster the market moves up…the quicker they have to jump in, before they miss the gravy train. And THIS is actually where I’m the most concerned, because - given the recent, new wave of popularity towards finance and investments, combined with the EASE of now investing from your phone, in fractional shares, with as little as $1…I’m worried that there’s an unrealistic expectation where, once something goes down - it HAS to go back up. And I just think, that type of mentality is going to set a LOT of new investors up for massive failure if they either see their investments drop in price - or, if things take longer to recover than they initially anticipated. JUST because we’ve seen a massive drop, DOESN’T MEAN we can’t see another drop - and, it doesn’t mean we can’t trade sideways for quite some time, while your money just sits there doing nothing. So, given that…I think it’s really important to set an expectation UPFRONT - that, anytime you invest, you should invest knowing that NO ONE knows what’s going to happen, EVERYONE loves to guess and predict about things they have no control over, and the BEST guidance is just to BUY, and HOLD as long as you can knowing that, if you’ve diversified enough - you should see a positive return, long term. Real talk, everyone…that’s the only investment advice I really, truly stand by - because there’s just NO WAY anyone can try to predict what’s going to happen over the next 1-3 years. But, quick side note here…in terms of making money and beating the market…what’s even more surprising…and this is so perfect to prove that markets are totally irrational… is that a study was JUST released…which found the best way to pick a WINNING STOCK…is to find one with a cool ticker symbol ;) www.cnbc.com/2019/10/01/stock-picking-buying-a-winner-is-easy-just-find-a-cool-ticker-symbol.html Referenced: Reddit user named jerschneid analyzed the last 40 years of the SP500 and simulated 3 investing styles: imgur.com/gallery/BlK4jzM www.reddit.com/r/financialindependence/comments/c02ml4/timing_the_market_the_absolute_worst_vs_absolute/?st=k4ta6ajs&sh=50d3ef31 For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
White House Wants To Cancel Stimulus | My Response
White House Wants To Cancel Stimulus | My Response
6 months ago
In an interview this morning, a White House Economist says that an additional Stimulus might not be needed if states bounce back quickly - here are my thoughts. Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Article: “If they really do sort of get back to normal relatively quickly ... then there might not necessarily be much need for another bill,” he said, saying the course of the economy will depend heavily on how effectively the nation halts the spread of the coronavirus. www.nytimes.com/reuters/2020/04/30/business/30reuters-health-coronavirus-usa-economy.html Here’s the thing: Until the next round of Stimulus comes through, or until it’s HEAVILY debated within the Senate, it’s unclear if we’re going to get anything. As excited as we get about proposals, it’s too premature to see what actually happens with them and if this actually becomes a reality. At this time, it SEEMS like there’s still a strong likelihood of something passing…but, given the comments from the White House today, we have no idea what’s going to be done, or if people are going to be receiving another round of checks. I would NOT be surprised if another $1200 was re-issued, among some other state and local government funding…but I also wouldn’t be surprised if they took a “Wait and see” approach over the next month, and then re-evaluate what’s happening with our economy. Either way, it leaves all of us somewhat in the dark, without any clear guidance on what to expect, or what’s likely to come from all of this - other than to continue reading new updates that just leave us more confused the longer we read them. Everything we do will have a consequence later on down the line, and at this point - the best we can do is pick the option that we feel will do the least amount of damage long term. Even though that’s for the house, senate, and White House to debate…it IS apparent that, most likely, something will need to happen - and, until then, we’ll just have to wait and see what happens. But, I’m still remaining cautiously optimistic that there’s a good chance of there being SOMETHING happening over the next month or so…although, who knows if it’s going to be as good as getting $2000 per month, tax free. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
NEW FED STIMULUS WARNING | FREE MONEY + INFINITE SPENDING
NEW FED STIMULUS WARNING | FREE MONEY + INFINITE SPENDING
6 months ago
Jerome Powell - Chairman of The Federal Reserve - just announced his thoughts on the economy, the stimulus package and the outlook moving forward - enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB For anyone not aware, The Federal reserve is the almighty power that influences some MAJOR aspects of our economy: -First, they monitor and manage the inflation of our currency -Second, the Federal Reserve also regulates banking activities, and ensures that they operate within a strict set of guidelines. -Third, they’ll provide banking services and other policies to ensure financial stability within the markets. The Federal Reserve Chairman, Jerome Powell, said that interest rates will remain UNCHANGED, near ZERO, and will employ its “full range of tools" to support the US economy as the illness continues to wreak havoc on the US. www.cnn.com/2020/04/29/economy/federal-reserve-april-meeting/index.html They also said that they’ll “keeping buying Treasury and mortgage bonds to help keep rates low and ensure that companies can continue to lend easily.” www.1011now.com/content/news/Fed-signals-it-will-likely-hold-interest-rates-near-zero-for-months-570047581.html In other words…all that means is this: The Federal Reserve has made it clear that they will do EVERYTHING they can to make sure our economy doesn’t completely fall apart, and they’ll ensure that things won’t get too bad. After all, at least in the short term - it would be a LOT more devastating if people didn’t have any money, they were shut down, they weren’t working, they lost their house, banks stopped lending, businesses couldn’t stay open, and that - in turn - causes a massive spiral downwards. And given that, though…it does bring up the eventual concern about INFLATION or DEFLATION - because, if so much money is pouring into our economy all at once, while people are losing jobs, EVENTUALLY…that money has to come from somewhere, right? Now, even though this concern was addressed by a reporter during their press release, and Jerome Powell responded by saying that they’re closely monitoring the situation and will aim to do everything in their power to maintain a steady 2% inflation rate…EVENTUALLY, in my own opinion as some guy on the internet…something has to change. Until then, I’d say DEFLATION is likely going to be the biggest concern - my video here: us-channel.com/down/qYrFtNDT0nitzJc/video During the press release, it was also brought up that The Federal Reserve is essentially “propping up the stock market” with these fiscal policies…and to that, Jerome Powell responded by saying that (Paraphrased) “That’s not the main concern, and right now - it’s more important to make sure businesses are able to stay afloat and keep people employed, than worry about the stock market becoming disconnected by reality.” Only time will tell how this plays out…but, they’ve made it very apparent that their number one concern is: make sure everything is okay, FIRST…and then, once all of this blows over…we can address potential inflation, paying down the debt, and picking up the pieces…LATER. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The FED Just Ruined Savings Accounts
The FED Just Ruined Savings Accounts
6 months ago
Here are the best high interest savings accounts in 2020 and where you can get the top interest rate - Enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB My number 6 choice: Discover Bank - 1.5% Interest They don’t have any hidden fees, they don’t have any maintenance fees, they don’t have any minimum balances…and they make that VERY clear as soon as you go to their site. They also have free ATM access, free debit cards, free checks…the list goes on. My number 5 choice: Ally Bank - 1.5% Interest They’re a bank that, in the middle of the FED reducing interest rates, and everyone else racing to the bottom - Ally actually barely budged, and they remained REALLY competitive because they knew that this was their chance to probably get more business. And hey, it worked. Right off the bat, they’re offering you a 1.5% interest rate on your money with - just like Discover Bank - absolutely no minimums, no hidden fees, no “catch” - just a solid 1.5% interest rate. Ally has really been the only bank that I’ve consistently come back to after trying almost every bank out there. I also highly recommend their no penalty 11 month CD. My number 4 choice: Marcus by Goldman Sachs - 1.55% Interest This company is fairly similar to the previous two I just mentioned, in the sense that they have no minimums, no hidden fees…the usual. HOWEVER…The only downside with this account is that, at the end of the day…this is just a high interest savings account, without access to any additional banking services, like a checking account. My number 3 choice: American Express Savings - 1.6% Interest With their account, there are no fees, no minimum balances, and the customer service with American Express has always been topnotch. HOWEVER…just like my last example, keep in mind that this is NOT a full service bank account, so you won’t be getting access to a checking account, checks, or anything else like this. BUT…if you’re JUST looking for a place to stash your cash with a solid, reputable company…that gives you a reasonable interest rate…this one is great. My number 2 choice: CIT Bank - 1.7% Interest The minimum deposit for their savings account, to get that rate, is a $25,000 deposit. However, you can use their Money Market account which pays 1.75%. This is essentially the exact same thing as their savings account, except .. no minimums and it pays more…for now. My number 1 choice: HSBC Bank - 1.7% Interest Unlike a LOT of the other banks I’ve mentioned - HSBC has some physical branch locations, so if you ever actually need to walk into a bank to talk to someone. Now, I will say - the ONLY downside I’ve experienced with them is that their app and actual website are REALLY difficult and confusing to use. Those are the BEST savings accounts as of right now, that have still managed to keep a reasonable payout - even though the FED has reduced its interest rates down to almost nothing. Do remember, though - that these rates are subject to change at any time, and most likely - I just jinxed it because I made a video talking about it. But, assuming I didn’t ruin it just now - feel free to use these banks and enjoy that sweet, sweet interest. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
$1000 Per Month For EVERYONE | New Stimulus Explained
$1000 Per Month For EVERYONE | New Stimulus Explained
6 months ago
Here is an update on the current stimulus plans, and we’ll go everything currently in discussion - Enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Full disclosure - all of these are JUST PROPOSALS, and I wanted to summarize everything currently in the works for anyone who doesn’t care about all the tiny details, and just wants to know what they might have to look forward to. FIRST PLAN: $2000 Per Month To Every Eligible American: Full Plan Here: khanna.house.gov/sites/khanna.house.gov/files/Final_Emergency%20Money%20For%20the%20People.pdf Although, keep in mind - something like this doesn’t happen without a SUBSTANTIAL cost, and to be able to pay out such a high amount - it’ll require $448 Billion Dollars…PER MONTH…to keep running. So, within those first 6 months - it would cost $2.6 Trillion Dollars, which is almost as much as the previous 3.5 Phases of Stimulus - COMBINED. SECOND PLAN: Rent and Mortgage Cancellation Act of 2020 Full Plan Here: omar.house.gov/sites/omar.house.gov/files/Bill%20Text%20-%20Rent%20and%20Mortgage%20Cancellation%20Act%5B1%5D.pdf This is a bill that proposes that renters won’t need to pay the rent on their primary residence for 1 full year, regardless of their situation, and that not paying rent will not impact your credit score, or be treated as a debt that you’d later have to repay. The same applies to people who own their own home, in that they wouldn’t need to pay for their mortgage for 1 full year on their primary residence, and that not paying your mortgage won’t impact your credit or send you into foreclosure. It’s not clear if this amount includes mortgage principle, or whether or not this will extend your loan an extra year - but, that’s up for debate. THIRD PLAN: Automatic Boost to Communities Act, known as the ABC Act. Full Plan Here: tlaib.house.gov/sites/tlaib.house.gov/files/Automatic%20Boost%20to%20Communities%20Act%20.pdf It would IMMEDIATELY provide everyone in the United States with a pre-loaded debit card of $2000. And then, every month after that, it’ll automatically be re-loaded with an extra $1000 until one year AFTER this ends. FOURTH PLAN: Payroll Tax Cut / Get America Back To Work proposal. Read the plan here: www.hawley.senate.gov/sites/default/files/2020-04/Getting-America-Back-to-Work_0.pdf This would create a refundable payroll tax rebate covering 80% of an employers payroll cost, up to median wages, as well as create a rehiring bonus for employers to take back on their employees. And even though there are a few other, similar proposals in talks - those are the ones that are most worth noting, and I have a feeling that over the next month, we're going to see these discussed even further, debated, and then restructured in such a way that will finally be implemented for everyone to use. As for a timeline as for when this is going to happen, it’s still up in the air - although, it appears as though they’re all working to get this out as soon as possible, especially if we continue to stay closed down for much longer. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
My response to Pewdiepie
My response to Pewdiepie
6 months ago
Here is my response to PewdiePpie and his video on Jubilee - Do All Millionaires Think The Same? - Enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main BIRTHDAY DISCOUNTS: UP TO 50% OFF FOR 24HOURS ONLY: 2x Per Week Mentorship: the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/?product_id=1837685&coupon_code=17OFF The US-channel Creator Academy: $200 OFF: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=200OFF Real Estate Agent Academy: $200 OFF The Real Estate Agent Academy: Learn how to start and grow your career as a Real Estate Agent to a Six-Figure Income, how to best build your network of clients, expand into luxury markets, and the exact steps I’ve used to grow my business from $0 to over $125 million in sales: the-real-estate-agent-academy.teachable.com/p/the-real-estate-agent-academy/?product_id=503039&coupon_code=200OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB A few points he makes, and my thoughts: “Statistically, most people don’t make it.” This is something that, UNFORTUNATELY…is true. MOST people will not be successful. Most people will not become wealthy. But, that doesn’t mean you can’t try, and that you can’t do things that will stack the odds in your favor. It’s like rolling the dice ONCE and trying roll a 12…the chances of that happening are 1 in 36, which works out to be almost 3%…but, the more you roll the dice, the higher your chances become of rolling the 12. “I think getting rich is a fluke, there’s so much luck in it.” So, THIS is the point where I begin to disagree with his statement…because, the way I see it, becoming “Wealthy” - which, I’ll define as a net worth over $1 million dollars, for sake of this argument…has very little to do with luck, and much more to do with persistence, delayed gratification, consistency, and time. Now, I don’t want to dismiss that there IS some factor of “luck” that exists, beyond our control, although building wealth is - largely - driven by so many other factors, and according to one of the largest studies on Millionaires, 80% of them are first generation rich, and the majority of millionaires have one single thing in common: they live below their means. There ARE actionable, measurable steps that ANYONE can take if they want to become wealthy: Improve your credit score, save your money, live below your means, open up a retirement account, invest consistently, continue learning, improve your skills, and don’t give in to lifestyle inflation. If you just follow THAT - I PROMISE you’ll be SOOO much wealthier than the average Joe on the street. . So, those are my thoughts on PewDiePie’s video, and overall, I enjoyed his reaction and am super happy to be a (small) part of the video! For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
GET PAID TO INVEST IN OIL | Infinite Money Explained
GET PAID TO INVEST IN OIL | Infinite Money Explained
6 months ago
Due to popular demand, here is the explanation of the 2020 oil crisis, negative prices, and how you can invest to make money - Enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main BIRTHDAY DISCOUNTS: UP TO 50% OFF FOR 48 HOURS ONLY: 2x Per Week Mentorship: the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/?product_id=1837685&coupon_code=17OFF The US-channel Creator Academy: $200 OFF: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=200OFF Real Estate Agent Academy: $200 OFF The Real Estate Agent Academy: Learn how to start and grow your career as a Real Estate Agent to a Six-Figure Income, how to best build your network of clients, expand into luxury markets, and the exact steps I’ve used to grow my business from $0 to over $125 million in sales: the-real-estate-agent-academy.teachable.com/p/the-real-estate-agent-academy/?product_id=503039&coupon_code=200OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Here’s the issue right now: With our economy shut down, we’re not using as much oil anymore. But even though demand has slowed down, production of oil has continued on as usual, even though we aren’t using as much of it. That’s created a SURPLUS of oil that needs to go somewhere…but now there’s not enough space to store it. When you hear about ‘negative oil prices,’ it’s referring to what’s known as Oil Futures…or, more specifically, the Oil Futures of one supplier in Particular, West Texas Crude. In this case, people bought oil FUTURES at a higher price, not expecting things to get so bad…and, as the price of oil fell, it became apparent that those future prices became less and less valuable. So much so, that, because they literally ran out of space to hold all of this oil…it’s cheaper for the people who bought oil futures to PAY YOU TO TAKE IT OFF THEIR HANDS, than it is for them to figure out some place to store it. As for whether or not this is going to save you money when you go fill up your gas tank…the answer is yes, and no. YES, lower oil prices will mean that you pay less to fill up your car. BUT, the price of gas you pay is made up of several other costs that need to be factored in…like, distribution, refining, taxes, and then the cost of oil itself. So, all in all…you’ll still pay for gas to fill up your car, it won’t be free, and you won’t get PAID. Now, for what this means to you and I…well, if this keeps up, some US oil and gas based businesses could go under. Eventually, some companies can’t just run at a deficit forever and will have to close…although it’s unclear where the tipping point will be. Although, if you want to make MONEY from this…well, most likely, you’ll be investing in or shorting oil or gas companies…and when it comes to that, I’ll be honest…I have no idea what’s going to happen, I’m not investing in ANY of this myself…and I’m more curious about the broad implications for the entire economy, than I am about making a quick profit on this. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
NEW Stimulus Details | FREE RENT & MORTGAGES
NEW Stimulus Details | FREE RENT & MORTGAGES
6 months ago
Lets discuss the new stimulus plan update which includes mortgage and rent cancellation for 2020 - Enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main BIRTHDAY DISCOUNTS: UP TO 50% OFF FOR 48 HOURS ONLY: 2x Per Week Mentorship: the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/?product_id=1837685&coupon_code=17OFF The US-channel Creator Academy: $200 OFF: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=200OFF Real Estate Agent Academy: $200 OFF The Real Estate Agent Academy: Learn how to start and grow your career as a Real Estate Agent to a Six-Figure Income, how to best build your network of clients, expand into luxury markets, and the exact steps I’ve used to grow my business from $0 to over $125 million in sales: the-real-estate-agent-academy.teachable.com/p/the-real-estate-agent-academy/?product_id=503039&coupon_code=200OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB New stimulus plan proposal update: omar.house.gov/sites/omar.house.gov/files/Bill%20Text%20-%20Rent%20and%20Mortgage%20Cancellation%20Act%5B1%5D.pdf All rents and mortgage payments would be “cancelled” for an entire year. This would apply to everyone: -All rent payments will be suspended on your primary residence -No tenants shall incur any fines for nonpayment of rent. -No tenants shall have their unpaid rent be treated as an owed debt -No tenants shall be held liable for repayment of debt -And, lastly…this unpaid rent will NOT affect your credit score. Second, we’ll move on to MORTGAGE PAYMENTS: -All mortgage payments will be suspended on your primary residence -No home owner will be liable for repayment of those mortgage payments -You will NOT be foreclosed on for missing your mortgage payments -No fees or penalties will be incurred during this time -And not paying your mortgage will NOT affect your credit score The Secretary of Housing And Urban Development shall set up a RELIEF FUND for landlords who can be reimbursed for lost rent to offset their cost. To be eligible for this, the landlord must ensure that they follow these guidelines for the next 5 years: -One, they’ll be subject to a RENT FREEZE - meaning, they cannot raise the rent for that property for 5 years if they accept relief funds. -Two, the landlord cannot evict the tenant without JUST CAUSE - or, in other words, you can only evict a tenant for violation of the lease, or eventual nonpayment of rent. You can’t just evict them because you’re tired of having them as tenants, or because they don’t smash the like button for the algorithm. -Three, the landlord cannot discriminate against the source of income from the tenant, and during a vacancy, you must make it available to government assistance programs. -Four, you can only receive the amount of rent you were getting BEFORE the Illness happened…not after. From there, The Federal Government would create an additional relief fund for LENDERS where they could be reimbursed for the lost mortgage payments during this year. And, there will be another fund set up for housing acquisition, with the purpose of buying multi-family properties to ensure that people have a safe, affordable place to live. Although, as a landlord and real estate investor myself…who also has a mortgage…there’s a lot more to this than the bill is letting on, and I have some serious concerns about how this could be implemented, which I discuss in the video. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
What Happened To My $100,000 Remodel
What Happened To My $100,000 Remodel
6 months ago
SimpliSafe is award-winning home security that keeps your home safe around the clock. It’s really reliable, easy to use, and there are no contracts. Check out SimpliSafe here: simplisafe.com/graham Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Now, for anyone who’s new to the channel or hasn’t followed the series…this is basically like the real estate version of Tavarish and Hoovies garage…except, instead of fixing up high mileage exotic cars…I’m fixing up somewhat dilapidated, old properties here in Los Angeles. This is the update on the progress of the renovation. As for the current rental real estate market - I have NO IDEA how this is going to impact the rental market, and how difficult this is going to be to rent out. A few months ago, leases like this were almost non-existent, and anything that came on the market was snatched up in a matter of hours…now, I have NO CLUE. I’ve talked to quite a few people who are holding off from doing ANYTHING right now, even though they WANT to move…which is totally understandable. Not to mention, there are quite a few people already out of work, and many more with their paychecks reduced significantly…so, I literally can’t predict what I think is going to happen here. Part of me worries that, no one is going to want to move, people will stay put…and I might have to rent this slightly below what I wanted to get. HOWEVER…there’s also the very real possibility that someone might see this unit as a way to SAVE MONEY, and chose to rent it as a cost-effective measure. But, I think one thing is for sure…there WILL be a high unemployment rate, people will be making less money this year, and finances will be tight. So, it’ll be in the eye of the beholder about whether or not this is the right value, or not. And, overall….I’m really curious how this is going to affect real estate values. I mean, we’ll be able to look back at this video from the future and see….but, I’m definitely keeping everything in mind, and paying close attention because something like this is not good to stay vacant. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The $2000 Per Month Stimulus | What You MUST Know
The $2000 Per Month Stimulus | What You MUST Know
6 months ago
Here’s an update on the NEW Stimulus Proposal that would give each eligible person $2000 per month, and my thoughts about how likely this is to happen - Enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB To start, here’s the proposal currently in place: khanna.house.gov/sites/khanna.house.gov/files/Final_Emergency%20Money%20For%20the%20People.pdf First, every American Adult age 16 and older, making less than $130,000 annually, would receive $2000 PER MONTH. That would be DOUBLED for married couples…meaning, if they make less than $260,000 combined, they would receive $4000 per month. Qualifying families with children would receive an additional $500 per child, up to an additional $1500 per month. For every $1000 you make ABOVE that $130,000 and $260,000 income threshold, the total payout will be reduced by $50…meaning, if you make more than $170,000 filing single, or $340,000 filing married - you won’t be getting anything. Next, these monthly cash payments would not count as income - meaning, this is going to be TAX FREE And, If you had no earnings, were unemployed or are currently unemployed, you would still be eligible. This would also apply for college students and adults who are still claimed as a dependent by someone else. The language in this bill also extends payments to non-residents of the United States, as well, depending on certain qualifications…and, also allows payment to be made through “an electronic transfer application that can be used on mobile devices to receive payments.” If passed - these payments would be guaranteed for at least 6 months, and then - if employment levels have not fully recovered - it can be voted on to be extended ANOTHER 6 months. Overall…this is a REALLY complex matter, and it’s understandable that not even the Senate can come to an agreement on these things with WEEKS of discussion. Ideally, we can come up with a balanced plan that works for everyone, and gives support to people who have been affected by this the most…in a way that’s well executed, and fair to the people who were NOT impacted, and continue to work. It’s clear people definitely need more money…but, it’s unclear exactly how much it’s going to be…so, don’t get your hopes up about getting an extra $2000 per month…and, I wouldn’t put too much faith in this actually panning out. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Bad News For Real Estate | The Mortgage Crisis Aftermath
Bad News For Real Estate | The Mortgage Crisis Aftermath
6 months ago
Let’s discuss the new changes to mortgage requirements, mortgage deferment, and how the issues with forbearance - Thanks! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB JP Morgan Chase, one of the nations LARGEST mortgage lenders, just raised its standards as to who can get a loan, and many lenders followed. Some of the new requirements include: One, making sure you’ll still employed, and this is verified 3 days before your loan actually closes. Two, they’re only using the most recent bank statements as possible within the last 60 days. Three, if you’re self employed and UNABLE to show bank statements with proof of income - then your qualifying income, as in - what’s on your tax return - will be reduced by 25%, just to give a little more wiggle room if anything was to happen. Four, and this is HUGE for real estate investors…Rental Income can ONLY be used if you have a FICO score ABOVE 700, and you can document 6 months of reserves for each financed property in which rental income is being used to quality. Five, banks have lowered their maximum debt to income ratio - meaning, your mortgage payment can’t exceed 50% of your take home pay. Six, Bank of America just raised it’s credit score requirement from 660…all the way up to 720 for anyone wanting to cash out of their home equity. HOWEVER…even though lending is tightening up, here’s where we get into the NEW potential concern of the week: Home buyers NOT making their mortgage payments, and I’m calling for the “MORTGAGE FORBEARANCE TRAP.” What many buyers must understand is that Forbearance is different than DEFERMENT…which is where you can miss a few of your payments, and apply that to the END of your loan. HOWEVER…that’s not an easy process to go through. This is done ONLY on a case by case basis, for pre-approved borrowers, when they know EXACTLY how long you’re not going to be paying for…because, while you’re not paying your mortgage, the mortgage servicer STILL needs to make your interest payments to the fund that now owns your loan. And, the mortgage servicer is unlikely to want to make these payments on your mortgage - on your behalf - without wanting to catch up on those payments upfront, and that’s where the problem lies. So, I have a feeling - that, after this forbearance period is up - if buyers are STILL unable to pay, they’re going to be processed through a different application for either a loan modification, which allows for the buyer to add those missed payments to the end of the mortgage, or a payment plan which allows the buyer to make small, extra payments towards paying down the outstanding debt. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Tenants Stopped Paying Rent - My Response
Tenants Stopped Paying Rent - My Response
6 months ago
Lets discuss the recently headline that 1 out of 3 American Tenants didn’t pay their rent in April - Thanks! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB According to the headline: “No rent was paid in April by nearly a third of American Renters.” Now, in almost every situation…the rule is that, you STILL need to pay rent, and you still OWE the money to your landlord, it’s not FORGIVEN…even though, right now, you can’t be evicted. But, by the time this eviction freeze is lifted, technically - you’re going to owe all your back rent, and then - AT THAT POINT - if it’s not paid, the landlord can move forward with an eviction - which, we’ll address very shortly. But, to analyze this data PROPERLY, and look at how many people are not paying rent…we have to take a step back and look at this number, in context. Because, in the month before this…and, in the YEAR before this…it was average that almost 20% OF TENANTS to NOT PAY THEIR RENT ON TIME. That’s right…almost 1 out of 5 tenants, in a GOOD MARKET, can’t pay their rent on time. HOWEVER…here’s what many of these articles leave out: Many of them failed to mention that the Vice President of the National Multi-Family Housing Council, who were the ones that GATHERED this data in the first place…said that “The New Data For April With Historical Data is not a true representation of how rent payments are progressing.” www.bisnow.com/national/news/multifamily/april-multifamily-rent-payments-fall-to-69-but-improvements-expected-as-month-continues-103823 The term “NOT PAYING RENT” is counted when tenants don’t pay their rent, in full, by the 5th of each month. And, in April…the 4th was a Saturday, and the 5th was a Sunday, with many places closed from processing payments…meaning, rent probably isn’t going to hit until the 6th, on the Monday, after this data is already analyzed. So, even though it’s unclear exactly how many tenants ended up paying rent on that Monday, that were NOT counted in this study…I have a feeling it’s going to cause this 1 out of 3 number to drop, even just slightly. Second, I’d also like to mention that these are only tenants who pay ON TIME…and, as a landlord for almost 10 years now…I’ve had quite a few situations of late rent. Sometimes things come up, tenants make partial payments upfront, they pay the rest later…I get it, things happen, and we have to work TOGETHER if we want to get through it. So, if you’re a tenant who’s not able to pay your rent…bring that up to your landlord, don’t just stop paying out of nowhere. Even though you’re STILL going to be responsible for payments, that doesn’t mean you can’t work out a payment plan with your landlord so that everyone is happy. And, as a landlord, this is also a prime example of why it’s so important not only to screen your tenants thoroughly, to make sure they can afford the rent and aren’t spreading themselves too thin, but also to keep a heft cash reserve on the sidelines for anything that might come up. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
NEW $250 BILLION STIMULUS - MORE FREE MONEY ANNOUNCED
NEW $250 BILLION STIMULUS - MORE FREE MONEY ANNOUNCED
6 months ago
While the Payment Protection Program is apparently under funded, the Senate is working on another possible $2 Trillion Stimulus, with potentially more free money coming - enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Within DAYS of being released…the small business loan program, known as the Payment Protection Plan, which pledged $349 billion dollars worth of forgivable loans for employers to retain employees…saw 178,000 applications. And that meant, very quickly…the available money was drying up, and there wouldn’t be enough left over for everyone who needs assistance. www.vox.com/2020/4/7/21209584/paycheck-protection-program-banks-access Now, for anyone who’s unfamiliar with how this works…it’s a loan program for small businesses, who have under 500 employees, to retain their workers during a time where - otherwise - they’d be let go. This loan is given to businesses in the amount of 2.5x their payroll cost, up to $10 million dollars…AND as long as 75% of that money goes towards qualified expenses - like, actually maintaining their payroll, the loan will be forgiven…meaning, you don’t need to pay it back. And that’s where the “Free Money” term comes in. So, in an effort to relief some of these concerns, to get money to people who were promised relief within 3 days from applying, but got nothing…they’ve expanded on ANOTHER loan program, called the SBA Express Bridge Loan! www.sba.gov/funding-programs/loans/coronavirus-relief-options/sba-express-bridge-loans Although, I gotta say…given how quickly this is rushed out, it’s kinda no surprise that they’re worried about running out of money, and need to ask for another $250 billion….after all, it’s probably better to have a surplus of too much funding so as not to cause businesses to panic about a lack of funding. HOWEVER, instead of throwing more money at the problem - you’d think it would probably be a much better idea just to use those resources in actually GETTING that money to businesses in need, within the next 5-7 days maximum. After all, what good is an extra $250 billion dollars if no one gets it? Or, if there’s so much confusion that no one knows when or how much they’re receiving? So, for anyone wanting an update on their EIDL Loan, or the 2.5 Months worth of “FREE MONEY” from the Paycheck Protection Program…there you go. The good news is that, it looks like they’ll continue funding the program with $250 billion more to make sure there’s enough to go around for everyone…and, Wells Fargo is going to hopefully be accepting applications again…but, who knows when you’ll actually get anything. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The Bull Market Of 2020 | Did We Miss The Stock Market Bottom?
The Bull Market Of 2020 | Did We Miss The Stock Market Bottom?
6 months ago
Let’s attempt to answer the question: did we miss the stock market bottom, or is it about to drop again? Here are my thoughts - enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB So, here are some of the reasons it should CONTINUE going down: First, this whole “illness” is still VERY new, and we’re only just over a month into it - so, many argue that we haven’t really felt the effects from what’s possible, and that stay at home orders could last much longer than expected. Second, we need to address unemployment…which just hit 10 million claims in the last 2 weeks. Now, sure…SOME of this is going to be temporary, and a big portion of that will resume working once businesses open back up. HOWEVER…I think the kicker here is that, once things open back up…many businesses will start to see less demand, because people just won’t be spending as much money, because they have savings and bills to catch up on…and, because of that, businesses won’t be as busy, and won’t need to hire as many people as before. Third, even AFER all of this subsides…people are STILL going to be in a financial mess. They will still have bills to pay. They still have rent. They still have mortgages. And stimulus money will only last for so long until people are on their own again, and expected to pick up the pace to make ends meet. At this point, it’s unclear how quickly that is going to come and how soon we can return to normal. And fourth, we really have no idea how much is already “Priced In.” You guys know the saying…buy the rumor, sell the news? Well, that’s a bit applicable here. The stock market doesn’t care about what’s happening RIGHT NOW…it cares about what MIGHT happen in the future. However…to counteract some of these, here are reasons why the stock market could recover: First, at some point, people will return back to work, and in a few years - this would be a thing of the past. If you’re investing your money without the expectation of using it immediately, it doesn’t matter if you invest now - or if you invest a year from now - as long as you just invest. Second, the Federal Reserve has made it clear that they’ll do whatever it takes to keep the economy going, at all costs… It does make you think that, if things get too bad, the FED will step in, get more money into circulation…and stop some of the losses. Third, the markets have dropped - from peak to low - nearly 40% at its worst, which wasn’t an insignificant drop, by any means. This drop was during a time where - outside of THIS event - everything was otherwise going relatively well. Interest rates were low, people were spending, consumer confidence was high, unemployment was low - and when we take this out of the equation, not too much had fundamentally changed. Fourth, there was already a LOT of bad news priced into the market - so, what else are we not taking into consideration? Fifth, anecdotally…and I say this PURELY from opinion…but, it seems as though there’s a LOT of pessimism out there that the markets WILL go down, and it WILL get way worse…and that almost makes me think that, if the majority of people BELIEVE that…then, it’s less likely to happen. Lesson: Focus on what you CAN control, and disregard everything you can’t…you give yourself MUCH greater power to make the most of opportunities, LONG TERM, without concerning yourself about what the markets may or may not do in the short term. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
BREAKING: THE PROBLEMS WITH YOUR FREE $10,000 STIMULUS MONEY
BREAKING: THE PROBLEMS WITH YOUR FREE $10,000 STIMULUS MONEY
6 months ago
There have been several big changes to the EIDL Stimulus Grant Money for small businesses to receive up to $10,000 - here are those updates, enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB See, by now…I’m not sure we’ve all heard about this $2 Trillion Dollar Stimulus package, right? It’s the one that guarantees $1200 checks to every American earning under $75,000 per year, it extends unemployment benefits by an extra $600 per week…and if also gives small businesses the ability to receive an IMMEDIATE, NON RE-PAYABLE $10,000 ADVANCE to use towards maintaining payroll, making the rent or mortgage payments, or having to cope with increased cost of goods due to the current state of our economy. However, when this money didn’t show up - there was a lot of confusion. Here’s what I found: First, Steve Bulger, who’s the director for the US Small Business Association, said recently that: “whether you get the full $10,000 depends on the size of the business. If you have 10 or more employees, you will get it.” When asked how many businesses actually received it, he replied: “Once we give approval at the SBA, it will be sent over to the Department of Treasury, who will disburse the advance to the small business owner. So I don't know if any businesses have received their money yet.” www.bizjournals.com/philadelphia/news/2020/04/01/sba-mid-atlantic-boss-talks-interest-rates-loan.html So, given this context…if you’re self employed, working for yourself…according to him, you’re unlikely to get the full $10,000…and the “catch” here, is that the verbiage says: “UP TO $10,000” - meaning, that’s the MOST you’re eligible to receive. And, chances are…with soooo many applications, and the need for money IMMEDIATELY…these applications are NOT going to be manually processed, and have to be automated to get the money out as soon as possible…so, where it is? Well, the honest answer is…no one knows. Even though the application page said 3 days from application, the SBA just came out TODAY and said that “EIDL Loan advances will start to be distributed this week. $1000 per employee up to $10,000 max.” - so, if you’re just applying as a sole proprietor without any other employees…well, looks like your relief check will be limited to $1000 per employee. That’s QUTIE different than the $10,000 that was IMPLIED over a week ago when the entire platform went live. content.govdelivery.com/accounts/USSBA/bulletins/284f240 And really, when it comes down to it…I don’t think it’s any surprise, the entire package was rushed out in a hurry and - in the SBA’s defense - they probably had to scramble around to figure out what they were actually going to do and how they were going to find a way to disperse $10,000 to anyone who asks for it I have a feeling you might have the ability to further CONTEST the amount that you’re given, if you’re unhappy with it. Who knows if that’s going to be an uphill battle or even worth your time, but it’s worth a shot. And, for anyone further upset by this…it seems like Twitter if your best place to go, by Tweeting the SBA and requesting this be clarified as soon as possible. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The Warning Of Hyper Inflation | $2 Trillion Stimulus
The Warning Of Hyper Inflation | $2 Trillion Stimulus
7 months ago
Lets discuss the effects of inflation and the $2 trillion dollar stimulus package that was just passed, and what this means for our money - enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB So what causes Inflation? -The first is due to increased demand, and not enough production. -The second cause is due to an increase of production cost in making an item. -The THIRD source of inflation is known as “Built-In,” because it’s CAUSED by the prices of goods going up, to the point where people need to make more money to pay for them…which begins the cycle all over again. Now, here’s the thing…in small doses, inflation is generally ENCOURAGES, and - when it’s under control - it can be a GOOD THING. The United States has done their best to maintain a safe, stable, and consistent amount of inflation annually, that - over the last 25 years, has generally hovered around 2-3% per year. For some people, that’s great - it means that inflation causes certain assets, like stocks, commodities, and real estate, to rise in value with inflation…so, if inflation goes up 3% in a year, so does your investment. Other people say moderate inflation is necessary to keep our economy going, because - if we KNOW our money is going to lose a little value every year - it encourages us to either spend or invest it back into our economy, which keeps us growing. HOWEVER…other people could see inflation as a negative, because - if they’re holding onto VAST sums of cash, their money will have less and less purchasing power every year they don’t spend it. It also means that those very same stocks, commodities, and real estate will cost MORE to buy in the future as they rise in value with inflation…and that means, you’ll need more money to buy them. But, overall - in MODERATION, a STEADY, CONSISTENT inflation rate is generally seen as a healthy indicator of our economy, because people know what to expect, businesses can plan accordingly, and it’s slow enough that most of us won’t notice any major change day by day. That’s why the United States tries to aim for as close to 2% annual inflation as possible. We can also look back just 11 years ago to the stimulus passed in 2009, known as the American Recovery and Re-Investment Act. This, at the time, was a nearly $800 billion dollar stimulus to help lift us through the Great Recession…and during that time, if we look back at news articles posted around 2009 to 2011…the worry was runaway INFLATION. Except, we look back, the HIGHEST inflation we ended up seeing was during 2011, as our economy started recovering…and that, at its peak…was 3%. Then, the years after that…were under 2%. www.thebalance.com/u-s-inflation-rate-history-by-year-and-forecast-3306093 And because there’s not too much data that I can pull from such an event like what we’re seeing today, combined with the lack of previous stimulus packages...there’s not too much we can rely on. But, expecting events of such extreme hyper-inflation are pretty much not going to happen in the United States and North America. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
April Fools Parody Home Tour
April Fools Parody Home Tour
7 months ago
April Fools Parody Home Tour - Home Has Not Actually Sold. For business inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The 2020 Mortgage Crisis Explained
The 2020 Mortgage Crisis Explained
7 months ago
Here is an update on the news about the upcoming mortgage crisis, how this works, and what it means for everyone watching - add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB Helpful source: www.mbshighway.com/mortgage-crisis.html When you go and apply to get a home loan, you do what’s called a “RATE LOCK” on your mortgage. But, when you lock in a rate like this…the bank is agreeing to give YOU a promised rate, but the BANK doesn’t know what the ACTUAL rate is going to be at the time you actually close the loan. So, because the bank doesn’t want to lose money in the event interest rates change…they’ll hedge their investment but making the reverse bet of whatever YOU do. So, they do this by SHORTING Mortgage Backed Securities. HOWEVER…when the FED steps in and says, “Don’t worry guys…we’re going to guarantee these loans, nothing to see here!” - it drives interest rates DOWN, causing the price of these mortgage backed securities to go UP - causing banks to lose a LOT of money on their hedged, short positions, betting that the prices of these investments would go down. So, banks go and put up more capital to offset those losses…that means, less money they can lend to consumers…and, from there, a problem arises when less money flows back into the economy to people like you and I. But then, there’s one more layer of complexity with this whole situation…somewhat on topic of what we talked about, but it’s another potential issue that I’ve been been seeing on multiple articles lately…and that’s missed mortgage payments. Part of the relief package includes potential mortgage payment forbearance of up to 180 days, with another possible extension of an additional 180 days beyond that. HOWEVER…even though YOU aren’t making the payments on your mortgage, the mortgage servicer - or, the ones who handle and process those payments - are still on the hook for paying what you don’t. They’re obligated to keep the money flowing into those mortgage backed securities, the same ones which were bought by investors who want a safe and stable return on their money. And that poses another problem…if a significant amount of people hold off from paying their mortgage, how much will these loan servicers be out, and how long can they stay afloat during a time where they’re obligated to continue making payments? If you’re in a position to invest money, then - sure - you might be able to buy something at a lower price. And, if you’re SELLING your home, it could be slightly more difficult to get a high price, and a buyer who’s fully qualified to close on the loan. But, this is most likely going to affect smaller, more vulnerable banks in the short term than it is going to affect you and I directly. Again, JUST MY OPINION HERE. And now - at the very least - I hope this provides some context and explanation for what’s been going on, so the next time you read a headline about the mortgage crisis - you have some background, and can stay better informed and kept up to date. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Day In The Life of a Millennial Millionaire
Day In The Life of a Millennial Millionaire
7 months ago
After much request, here is a day in the life of a self made millionaire who works from home - Enjoy! Add me on Instagram: GPStephan LAST CHANCE - Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP DISCORD GROUP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ Graham Stephan Public Discord: discord.gg/pazcWtR The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB My day usually begins around 6am, when I wake up - made 20 cent iced coffee - and begin to read what’s going on throughout the day. Typically, after that, I’ll begin planning out the rest of the day, creating content, and making videos to post on US-channel. I’ll also be checking my investments, speaking with tenants about real estate, and doing any other business-related activities. In the afternoon, I’ll take a quick walk around the block, make lunch, then get back to work. If I have a video posting, I’m always available for the first hour to respond to comments. After that, I’ll typically edit the rest of the day, email back clients, and come up with other topics for the rest of the week. Although this video has way more detail :) For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
HOW TO SPEND YOUR $1200 STIMULUS CHECK
HOW TO SPEND YOUR $1200 STIMULUS CHECK
7 months ago
With the upcoming plan to release $1200 and $2400 checks, here’s how you should best spend and invest the money - Enjoy! Add me on Instagram: GPStephan LAST CHANCE - Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB THE FIRST thing you should do is open up a HIGH INTEREST BANK ACCOUNT that pays you over 1% in interest, and deposit the entirety of that check within that account. I personally use Ally Bank, they’re one of the very few banks out there that still hasn’t dropped below 1.5% interest…so, for that, they’re pretty good. Discover Bank and American Express Savings are also both REALLY good, which relatively high interest rates, all things considered…so, between those 3 options, you should be set. This is going to be the place where you keep your money safe, short term, until you ACTUALLY need it. SECOND - YOU SHOULD USE THIS MONEY TOWARDS ESSENTIALS, IF YOU ABSOLUTELY NEED TO. The most important thing right now is that you have food on the table, you’re safe, your family is safe, etc. Buy food, make sure you’re healthy - and STAY THAT WAY. Even if you think you might not need it…you never know. I’d probably advocate not using this money towards anything that isn’t absolutely 100% required for your own well being. THIRD - if you have the essentials already, and you’ve got some money in the back…it might be a good idea to use this $1200 towards your safety fund, and just keep a little more in cash to see you through. I know this might seem like a very Dave Ramsey thing to do, and play it CAUTIOUSLY safe…but, I’d hate to see people invest this money, have their investments drop in price, and then have to cash out if something happens and they need to put food on the table. Like I said, being a little more cautious at this point is probably going to be a smarter use than investing…and if $1200 will make a significant difference, just apply it towards that and leave it alone for the next few months. FOURTH - If this is just a “bonus “ $1200 back to you…well, congratulations, you’re in a great spot financially, and at this point…you COULD spend the money, or invest it. If it were me…I’d say you’d probably get a better ROI spending this money by re-investing it back into yourself, since…probably…you’ll have a lot of extra free time on your hands with everything closed. Like, if you’re inside…now is the time to spend some of that money on some weights so you can exercise at home. Or, pick up an instrument to learn…or, learn a new language online…or, take some online classes to improve whatever skills you want to take up. Even go and start making US-channel videos since more people are home and spending their time online. And fifth…I guess, IF you’re going to invest it…invest it. I’m a little more cautious about giving this advice, because there are a lot of unknowns with regard to how long this is going to last, how many people are going to be out of work, and for how long…but, hey, if you invest it and you’re already in a good spot financially, then be my guest. As far as WHERE to invest it, you know me…I’m a fan of Index Funds, and I almost never give suggestions of individuals stocks to buy. But, if you’re going to invest…I’d probably suggest doing it within a Roth IRA, that way - you get some good tax advantages later in life, with all of those profits being tax free. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
HOW TO GET $1200 FOR FREE! | The $2 Trillion Dollar Bailout
HOW TO GET $1200 FOR FREE! | The $2 Trillion Dollar Bailout
7 months ago
As the $2 Trillion Dollar Stimulus Package nears approval, here’s what this means for you, and how to claim your potential $1200 - enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB So, here on this channel, I don’t typically cover news-related content on current events…unless it has to do with the Stock Brokerage Drama between Charles Schwab and Robinhood…but, this topic today is a SIGNIFICANT and UNPRECEDENTED event, that’s happening RIGHT NOW…and it’s important enough to discuss, because this will MOST LIKELY DIRECTLY affect the majority of you watching my channel…so, you’ll want to listen closely…and not forget to smash the like button for the US-channel algorithm…because you might soon be getting a FREE $1200 from the government…and this is why. The $2 trillion dollar package in place today is going to be broken down, as follows, pending final sign-off: First, about $250 Billion Dollars is expected to go directly into the pockets of individuals and families. Each eligible adult will receive up to $1200 from the government, and the amount would go up by $500 for every eligible child in the household. Married couples can receive $2400 up to an annual income of $150,000, as well. This package also includes a MASSIVE expansion of unemployment insurance, which increase the maximum unemployment benefit by $600 per week, to ensure that laid-off workers, on average, will receive full pay for FOUR MONTHS. This could be EXTREMELY valuable, especially considering that GIG WORKERS are now be eligible to take advantage of this benefit - something that’s never been done before. In addition, the plan also calls for a MASSIVE Cash Infusion for the Health Industry of $130 Billion Dollars. States and Localities are also set to receive another $150 Billion Dollars to set up further infrastructure to help get them through. A LARGE chunk of this money goes back into businesses….one, is that this package reportedly includes a $367 Billion dollar Fund for the small business loan program. There have also been talks that, while many of these loans WILL have to be repaid, there will be interest free options, and companies with 500 or fewer employees could tap up to $10 million dollars each in forgivable small business loans to keep the paychecks flowing to their employees…MEANING, if companies oblige by the terms of the loan for a set period of time…they don’t have to pay them back. Next, is a $500 BILLION DOLLAR Loan for larger businesses who were hit hard, like the Airline Industry. Now, part of the stipulation with this is that - if these larger companies take the bailout money - they will be PREVENTED from using any money to buy back their own stocks for the first year, or use it towards executive bonuses. This loan will also be heavily scrutinized and monitored to make sure it’s being put to appropriate use, as well. And, as far as the impact goes to our entire economy…obviously, so far, the stock market likes it, and it’ll only be a matter of time to see how this plays out long term. It would make sense that, perhaps we start to see further inflation, as more money gets pumped into our economy. BUT, I also feel like - once this blows over, things could begin returning to normal relatively quickly. This is also just a REALLY good reminder to always save your money, even when times are good, and even when you don’t think you need it. Sometimes, things like this happen - and, it’s up to us to do our best to prepare for them when, and if they happen. Keep that 6 month safety fund, save your money, and smash the like button for the US-channel algorithm. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Why I’m Not Leaving California | Responding To Comments
Why I’m Not Leaving California | Responding To Comments
8 months ago
Today I’m going to attempt to answer your most asked questions, go over my investments, and discuss anything else you want - enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main NEW: JOIN THE WEEKLY MENTORSHIP - the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/ The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB QUESTIONS: 0:37 If you had only $1k to your name, what are some steps you'd take to gain the wealth you have today? 1:45 How often do you sit back and relax and just enjoy your existence? 2:26 What is your insecurities and did your wealth change them? 3:38 Can you give my channel a shout out? 3:45 Will you ever stop posting US-channel videos? 4:25 Should I smash the like button? 4:35 How much do you earn from investments? 5:44 Has being a millionaire increased your overall happiness? 6:55 Do you ever feel that you will run out of ideas soon for videos? 8:09 Will you relocate outside of LA to save more money? 9:50 Why don't you just retire? With your expenses at only $2,200 a month and $6 million in real estate you could easily do this. 10:35 Any new income streams your interested in starting up for yourself in the next year? 11:45 Do you have any regrets or missed opportunities? 14:21 Do you think the penny should be abolished? 15:03 What is the fastest way to double $5,000? For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
The 2020 Recession | My Investing Concerns
The 2020 Recession | My Investing Concerns
7 months ago
Here are my concerns and thoughts about investing in a bear market, what I think might happen, and how this compares with previous stock market recessions - enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB At the time of this video, the markets have dropped about 25%.from their peak, and if we look back historically, though the last 110 years of data…we can see that, throughout EVERYTHING we’ve been through, eventually, things will recover and we will get through this ok. Not to mention, if we include the 1929 Stock Collapse…our average bear market has seen a loss of 41%, over an average period of 1.4 years. And when it comes to something like this, there’s a saying out there that: every bull market is the same, but every bear market is different…and that’s ESPECIALLY true with something like this. In each stock market collapse, it could be argued that “this time is different” - and, indeed, it IS different. No two bear markets are going to be the same, and once we run out of UNKNOWNS for what will happen in the markets - I believe stocks will begin to rebound. That’s certainly NOT to say it can’t drop even more, and it might…BUT, for anyone who has ever commented or wished that they had the means to invest during the 2009 Recession…well, in a way, now is your chance. I don’t say that to disillusion anyone or to give a false sense of security, BUT…objectively, if we look back at every single other crash…things have gotten better, and they have recovered. I have no doubt that, eventually, that will happen here, as well. And, as far as my own thoughts on this…I’ll be honest, it’s scary reading headlines. It’s easy to wonder about how bad things will get and set yourself up in a state of worry. ESPECIALLY if your’e staying at home, not going out, cooped up inside, and spending all of your free time worrying about possible scenarios…NO WONDER people are losing it. So, for that, I just recommend you take a step back…realize that, long term, everything is going to be okay…put yourself, first, and continue carrying forward. I DO worry about the ripple effect this will have on our economy if it persists for longer than a few more months…if that happens, I feel like consumer spending will be changed for the near future as people aren’t working and don’t having enough money to pay bills…and I think it’ll take awhile for people to feel comfortable spending again. But, for ANYONE who isn’t within a few years of retirement…especially if you’re young…from an investment standpoint, now is a great time to continue buying in, and dollar cost averaging as usual throughout this entire experience. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
What EVERYONE Needs To Do With Their Money ASAP
What EVERYONE Needs To Do With Their Money ASAP
7 months ago
During a time of rough economic uncertainty, here is how you can best protect your income, invest your money, and come out ahead ok - enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB FIRST: REDUCE YOUR SPENDING immediately go and sign up for a budgeting software like Mint.com or PersonalCapital.com. You can also use a paid program like YouNeedABudget. PART 1, you’re going to link your accounts and then review ALL of your spending throughout the last 60 days and identify those charges. PART 1 is going to be MANDATORY SPENDING. This is going to be the bare minimum amount that you NEED to live on, no matter what happens. Next, PART 2 is going to be your DISCRETIONARY SPENDING This is EVERYTHING you WANT to have, but don’t absolutely NEED to have. PART 3: I want you to CUT BACK ON ALL NON ESSENTIAL DISCRETIONARY SPENDING THAT YOU KNOW YOU CAN LIVE WITHOUT. LAST…PART 4….SAVE THE DIFFERENCE. Doing this is all about identifying what you don’t absolutely need, cutting back on what doesn’t matter, and then saving the difference for where it matters the most. The last 2 months of your spending is going reveal a LOT about your unconscious spending habits, and the first phase of being able to save more money during turbulent times, is to recognize those charges and cut them back as soon as you can. T SECOND: SAVE THE DIFFERENCE The FIRST, MOST IMPORTANT USE of your money is to build up your Safety Fund. This is basically going to become your insurance policy in case you lose your job, can’t afford to keep up with your MANDATORY expenses, don’t want to sell your investments now at a loss, and need something to fall back on…this is it. Now, in terms of WHERE to put your emergency fund…you want to make sure it’s somewhere safe, and PREFERABLY, somewhere that pays you a little interest. And, for that…we have the almighty HIGH INTEREST SAVINGS ACCOUNT. In addition to this…if you want a SLIGHTLY better return and don’t need the money immediately, your next option is a CD. This stands for Certificate of Deposit, and this is basically a savings account with a fixed date of withdrawal. The entire point of this step is just to keep your money easily accessible, liquid, and stable during a time where you might end up needing it the most. THIRD, I just want it in here, that if you have any high interest rate debt...like credit card debt….now is the time to pay that off, so you don’t accrue EVEN MORE interest that’ll make your situation worse than it needs to be. FOURTH, You’ll need to do your best to KEEP YOUR JOB, Take on side hustles, and CONTINUE WORKING, if at all possible. Right now, I really, truly believe that you should do everything you can to go above and beyond with your work, maintain the best relationship you can with your boss and co workers, and make yourself as indispensable as possible. And FIFTH…once you’ve made sure your job is secure, your emergency fund is in place, and you’ve maximized how much money you’re making…you should begin consistently investing back in to the markets. Now, as far as WHAT you should be investing in to “protect” your money within these accounts, I personally prefer a few options: One, is going to be cash. This is just the money you have sitting on the sidelines, so that you take advantage of any good buying opportunities that happen to come up. Second, I’m going to recommend the usual index funds. Third, you could also mix in a Bond Index fund within your portfolio, as well…like VTBLX. This should see a lot less volatility, prices should remain way more stable than stocks. And fourth…I’m sure people want me to throw GOLD into the mix here, so I’m going to mention…GOLD. That’s why, I believe…the best way to protect your money, is to do your best to stay employed, take on any additional work you can, cut back on expenses, and SAVE THE DIFFERENCE…so, that way, you can ride this through and come out the other side unscathed, and completely profitable. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
The 6 BEST Purchases To Make In Your 20s
The 6 BEST Purchases To Make In Your 20s
7 months ago
These are the 6 Best Purchases to make in your 20s that will help make you more money and build your net worth - enjoy! Add me on Instagram: GPStephan Get 2 Free Stocks on WeBull when you deposit $100 (Valued up to $1400): act.webull.com/k/Vowbik9Tm5he/main The US-channel Creator Academy: Learn EXACTLY how to get your first 1000 subscribers on US-channel, rank videos on the front page of searches, grow your following, and turn that into another income source: bit.ly/2STxofv $100 OFF WITH CODE 100OFF My ENTIRE Camera and Recording Equipment: www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB FIRST: Invest in your career In your 20’s, the “BEST PURCHASE” is all about INCREASING YOUR INCOME. That’s it…I really believe your 20s are a time for you to work diligently, don’t be stupid, be smart with your money, stash away as much in investments as possible, and solidify the foundation in your career. After that, it’s all about GROWING and MAINTAINING that career...so, that - one day - your investments will be able to cover your day to day lifestyle without you ever needing to work another day in your life, ever again - unless you want to. Also, go and read the books Think And Grow Rich - The 4 Hour Work Week - and Rich Dad Poor Dad. Trust me, I’ve read all of those books MULTIPLE times…and that’ll be enough to get the ball rolling, and get you so amped up on what’s in store for the future. SECOND: A Reliable, Used Car I never could understand why people my age were out there, buying or leasing expensive cars, when they could use that same payment towards BUYING something that they’d be able to own outright within a year. Which is why I strongly advocate - for anyone who’s in their 20’s - put your own pride and ego aside, and get a solid used car that won’t depreciate, that doesn’t break down, and just gets you from point a to point b safely. You have your entire life ahead of you to go and get cool cars. THIRD: Hire a good CPA Taxes are INSANELY complicated, WAY more than they EVER should be. Not to mention, there’s a lot of the tax code that’s completely open to interpretation…so, if you want to make sure you’re maximizing the benefits of everything you’re allowed, WITHIN THE LAW, of course…hire a good accountant. My philosophy is that, when it comes to this…a good CPA to help file your tax return will generally, AT MINIMUM, pay for itself. FOURTH: Purchase Stocks and Index Funds within a Roth IRA This is a retirement account where you can contribute $6000 Per Year and invest after-tax money, and then all of the profit within that account is COMPLETELY tax free after the age of 59.5. The MASSIVE advantage to doing this is that ALL the money you deposit into this account will grow entirely tax free. This is something I started in my early 20’s, by opening up a Roth IRA - and then just loading up on Vanguard Index Funds. FIFTH: Buy Real Estate When it comes to myself, those early real estate purchases ABSOLUTELY changed my entire outlook on not only investing, but being able to see the rewards of diligent hard work and sacrifice. It was such an incredible feeling to look at a house, and know that I’m the owner…that THAT ownership was the result of so many late nights, so much hard dedication, so much self doubt, and seeing it right in front of me just made it all feel “Worth it.” Like, in personal finance…we don’t get trophies…but, we can get real estate. And that’s how it felt, to me. SIXTH: House Hack House Hacking is a term where you buy a property that has multiple units…then, you move in ONE of them, and rent out the others to cover the cost of owning the building. This is something I began doing a few years ago…and, I gotta say…it’s been one of the best financial experiences. This has allowed me to save a CONSIDERABLE amount of money, it’s allowed me to re-invest WAY more in other things that are more profitable than a housing payment, and I get to invest and own real estate at the exact same time. Those are the BEST financial purchases to make in your 20s, and everything that I have personally done, that’s helped bring me here today. I really believe that your 20s are such a unique time to get yourself ahead, and whatever you do RIGHT NOW will multiply by leaps and bounds by the time you’re older. For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Raomj23
Raomj23 - 16 hours ago
4:06 Graham excitingly trying to explain how he purchased the property.. Kevin: yeah, I get it.. and moves on lol
Steve D
Steve D - 16 hours ago
good luck in Vegas I live there in the early 2000s
Penny Wiser
Penny Wiser - 16 hours ago
So how do I invest $10k? Am I obligated to contribute monthly?
David Chua 16
David Chua 16 - 16 hours ago
Watched the whole thing 🙌🙌🙌
Austin Spratt
Austin Spratt - 16 hours ago
I lost so much money because of US Bank and I moved to the US last year😢😢😢😢
Freakin' Reviews
Freakin' Reviews - 16 hours ago
I moved to Vegas from Southern California a couple decades ago when I saw the writing on the wall. You might want to check your pronunciation of "Nevada" if you want to sound like a local :).
Stanislav Katkov
Stanislav Katkov - 16 hours ago
Not political.... Lulz. Yeah, just vote democrat in your new place and watch what happens.
Alan Karaoglu
Alan Karaoglu - 16 hours ago
Great work! Thank you!!!
drc
drc - 16 hours ago
Get that pre-nup signed son.
GhostlordTV
GhostlordTV - 16 hours ago
Are you extremely short or is Pokimane really tall?
Chris Howell
Chris Howell - 16 hours ago
I love your videos, Graham. I really appreciate your efforts. I live in Canada, I'm in my 30s, but taking your advice as much as I can and translate it into our types of savings in Canada. You inspire me to make my first owned property an income, hopefully, a duplex. I'm almost there
Wollie TV
Wollie TV - 16 hours ago
Lost 3 grand today
Basir Payenda
Basir Payenda - 16 hours ago
Hire an editor to edit it for you
Danny Aldana
Danny Aldana - 16 hours ago
Watched to the very end. This is one of the reasons i worry about when i think about investing in rental properties. Thank you for sharing this story because this is almost the worst case scenario. Learned much from your experience so it has paid for itself tenfold.
Dimitri Biemond
Dimitri Biemond - 16 hours ago
Sometimes, you just gotta comment for the algorithm
elyl78
elyl78 - 16 hours ago
How does Los Angeles compare to Oxnard?
Sami Muallim
Sami Muallim - 16 hours ago
So happy I haven't dealt with interest in yearrrrrs. CMB, that's me! (Cash Money Brother) I own everything! debt free for over 15 years.
JellO Fish
JellO Fish - 16 hours ago
This guy reminds me of Emperor Calus from Destiny
Brent Owen
Brent Owen - 16 hours ago
Yes but is it metal????
Johan Mejia
Johan Mejia - 16 hours ago
Watched it to the very end !!
Jennifer Stephanie
Jennifer Stephanie - 16 hours ago
Actually trading was not easy for me. Lost a lot of money through + 500, FBS also lost a lot of money to trading assistants and copy trader's, almost gave up on forex / Bitcoin trading. but a friend of mine introduced me to a good broker, at first i thought it was another way of wasting my hard earned savings. But my greatest surprise was my investment of $ 3,000 came out with $ 6,580 in 10 days trading ..... You just have to be patient with them till your trades are completed ..... To be honest I didn't just recovered all my previous losses .. I made much more than my past expenses .. actually she charges 15% which won't affect you in any way since her trading efficiency comes in multiples of investment ... I personally recommend Mrs Caroline trading services for best copy trading always trade with them and stop loosing your money .... reach out to her and believe me a trial will convince you Here's her contact details⬇️⬇️⬇️ +12292127969 @WhatsApp
Pedro Santos S
Pedro Santos S - 17 hours ago
I love this.... good job man.... you inspire me.💪🏽💪🏽❤️💕💕💕
Daniel Gutierrez
Daniel Gutierrez - 17 hours ago
Could you give your thoughts on PiCoin?
nickymill
nickymill - 17 hours ago
The real question is what are your thoughts on Andrei's new video?
Deeken Wheeler
Deeken Wheeler - 17 hours ago
Maxed out my IRA this year, hopefully it doesn’t collapse till next year when I can put another 6k in it lol
Kaitlyn Meager
Kaitlyn Meager - 17 hours ago
Watched to the end! Thanks for sharing your experience. Now I know what to look out for as I start my property journey. :) yikes, these people turned out to be some awful tenants. Even after you tried to be nonjudgemental..
Being Scared
Being Scared - 17 hours ago
You replaced the old desk sign 👌 Hopefully your videos don’t have issues with demonetization anymore. I like to think I helped. 🤘😃
Richard Nelson
Richard Nelson - 17 hours ago
God bless and reward you hackerleo72 On IG
Anthony Smith
Anthony Smith - 17 hours ago
Great work hackerleo72 on insta
godrichies junior
godrichies junior - 17 hours ago
I wish I already meet hackerleo72 on insta before getting scammed by other hackers thank you hackerleo
Pierre Limon
Pierre Limon - 17 hours ago
Just don't call the Astros the Asterisks or mock the Astros and you'll be straight.
Jeffery tatte
Jeffery tatte - 17 hours ago
Thanks for the help hackerleo72 on insta god bless
PMR
PMR - 17 hours ago
When people are fearful , you know what that means
Dax Yeonopolus
Dax Yeonopolus - 17 hours ago
for a $40K+ car, the paint quality issue is inexcusable. A base model Hyundai Elantra has a better quality paint job.
Antony Reed - Hypnosis & Affirmations
Antony Reed - Hypnosis & Affirmations - 17 hours ago
Keep in mind, $10 in 1945 (the price for the S&P at the time Truman was elected) would be the equivalent of approximately $144.50 today when adjusted for inflation.
Carr Susan
Carr Susan - 17 hours ago
Thank you hackerleo72 On IG
Becky Tatte
Becky Tatte - 17 hours ago
Good to meet hackerleo72 On insta he changed my life
damilola anjorin
damilola anjorin - 17 hours ago
Can’t imagine my life without hackerleo72 On IG
Sarah Carr
Sarah Carr - 17 hours ago
Thought I lost all but all thanks to hackerleo72 On IG
Robin White
Robin White - 17 hours ago
I’m shocked right now thank you hackerleo72 On IG
Bucefalin
Bucefalin - 17 hours ago
1 and a half million dollars will have a tenth of the purchasing power in 40 years. You won't be able to buy a ferrari or that house with that then.
Becky Hubbard
Becky Hubbard - 17 hours ago
Wow it works thank you hackerleo72 On IG
firstname lastname
firstname lastname - 17 hours ago
just bought spy calls
Liz O
Liz O - 17 hours ago
😂😂Just a gentle tap. Just a firm tap. Nahhh
GhostlordTV
GhostlordTV - 17 hours ago
You should buy some Pokemon 1st Edition Base Set boxes
Gama Gg
Gama Gg - 17 hours ago
Lets not forget about the air trike in Iraq in january, they said it will cause consequences to the US, if this happens, dollar could go higher and stocks could drop.
TaureanRuler
TaureanRuler - 17 hours ago
lol This is why Las Vegas is going down hill.... the exudus of Californnians.. reasons why i had to Leave Vegas after 14years lack of culture, growing traffic thanks to ex Cali natives.. good luck with the house hope you havea enough cash saved cause Las Vegas is not a resession proof city
DJ BobbyPin
DJ BobbyPin - 17 hours ago
Turtles for likes is the way to go. Invest now!
harry moon
harry moon - 17 hours ago
Your life will be full of success, welcome to our platform ...g e o r g e e a s y l e a r n i n g m e t h o d .xyz
Paul Rail
Paul Rail - 17 hours ago
These continue to be some of the most important life lessons that the vast majority of us are NOT taught growing up.
UrbanExplorer1000
UrbanExplorer1000 - 17 hours ago
We need Trump out. we need a leader who does not dismiss this pandemic he is a disgrace
EdCardenas
EdCardenas - 17 hours ago
I was about to follow but then I noticed all the adds on your videos
Loveflying
Loveflying - 17 hours ago
Comparing baby boomers to millennial at the same age is dumb... Baby boomers will have a higher percent of assets because their elders weren't around long enough to hold them. Just think what was the life expectancy in 1960-1970... Those boomers had more because parents were already dead by the time they were 30 leaving them inheritance. Boomers had more because there were fewer 80 year olds around holding assets. The transfer of wealth Graham talks about already happened to boomers when they were 30. A better comparison is boomers when they were 20 vs millennial as 35. That scales better with how long people lived in that generation.
Canberk Hancan
Canberk Hancan - 17 hours ago
Imagine people buying cards for millions of dollars. Cuz I just can't. I can't imagine my life being that empty.
Marcus Antonius
Marcus Antonius - 17 hours ago
And Democratic voters will flee Democratic areas, only to vote Democrat in Republican areas and wonder why Texas turned into a s**thole 12 years from now.
Ami Etienne
Ami Etienne - 17 hours ago
I joined morning brew because I appreciate you not being sponsored by raycon earbuds. So tired of those.
goodboyz chedda
goodboyz chedda - 17 hours ago
My first 5 years at Chrysler FCA making 15 a hr next to a mf making 28... Now im fenna be at 28 4 tha next 30 yrs
Jason Ortega
Jason Ortega - 17 hours ago
I envy you graham
miaxix888
miaxix888 - 17 hours ago
Legendary
MyDeadWhisper
MyDeadWhisper - 18 hours ago
Cute turtle. I wonder if the little guy/girl likes pizza?
Stan Leery
Stan Leery - 18 hours ago
Guy thinks wearing dress shoes and a collared shirt is dressing up... Those are my pajamas. You should see what I wear at work. Dress like a baller, not a home boy
harry virgoe
harry virgoe - 18 hours ago
Before I watch this and make notes on it.. can someone please confirm that everything he's saying is relevant for the UK market?
TheMedicineShell
TheMedicineShell - 18 hours ago
I fell into this trap around 2013-2016. To an extent those were years wasted for me lol. Backed up by 'gurus' that are almost all facing serious lawsuits I thought that's what 'you had to do'. In truth I learned it's about figuring out what makes money and finding a way to make it as easy to reproduce as possible, and it goes to the next level when it's something you love doing.
LATen Media
LATen Media - 18 hours ago
This video is great!
Alshafi
Alshafi - 18 hours ago
But Apple Card is the ONLY way to make monthly installments when buying anything from Apple. Otherwise, you will need to buy things from Apple with straight up cash! Cash that could be invested whose profit can take care of the monthly payment installment.
Dre Mac
Dre Mac - 18 hours ago
If you dislike this video, go certify for a haters license
Lauren Pederson
Lauren Pederson - 18 hours ago
Left in May and never looked back. Best thing I have ever done.
Duy Nguyen
Duy Nguyen - 18 hours ago
"pythagorean logarithm"
Daniel Ramirez
Daniel Ramirez - 18 hours ago
I really enjoyed how honest he was. very good interview congrats!
Jameel Nicholson
Jameel Nicholson - 18 hours ago
If I had $4mil, I'd invest the whole lot and retire...to have the freedom to multiply it even more. Love hearing get-rich-slowly success stories!
PiouStarcraft
PiouStarcraft - 18 hours ago
Americans : We want healthcare like in Europe but unlike Europe we only want the rich to pay for it. Europeans : Everybody needs to pay high taxes to afford that, not only the rich. Americans : That's not true Rich Americans : We are outta here !
Harrison White
Harrison White - 18 hours ago
8:10 thank me later
Earl Of Cranmor
Earl Of Cranmor - 18 hours ago
Watch Mr. Beast on H3H3, the guy litterelry covers the taxes and property taxes when it comes to year round taxes, non of his boys pay or the workers, just him and whatever money he has been saving from videos
Tony Mak
Tony Mak - 18 hours ago
School Loans power level is over 9000! Luckily, I got a job after graduation, but paying that back is uufff..
Seyran Erel
Seyran Erel - 18 hours ago
California will miss you. Please do not leave.
Pika Pika
Pika Pika - 18 hours ago
Hold up! THATS NIGHT CITY!
Tony Mak
Tony Mak - 18 hours ago
I'm scared for when I graduate next semester...school payment loans :( it super high.
Nice
Nice - 18 hours ago
Wow so that is too much cause you could feed my family for month with $100 , im gonna start US-channel wish me luck
tommy clark
tommy clark - 19 hours ago
Definitely should get Dave Ramsey on your show
Matthew
Matthew - 19 hours ago
Seeing Snapchat at $43 after selling it at $20 a couple months ago just hurts