Knowledge is Power by Ed Clark


The KEY to making a change is knowledge and that knowledge doesn’t have to be complicated it just has to be executed. Take a look at these 4 simple principles and see where you can make a change.

4 Personal Finance Principles to Live by For a Richer Life

Taking control of your personal finances is key to living a more stress-free and stable life — a truly rich existence. All you need to do is take the first step: start becoming more aware of your bank account, and live by these very basic principals that just about sum up what personal finance is all about.

1. Pay yourself first

This is a common personal finance phrase that many people live by. But what does it really mean? No, paying yourself first isn’t buying anything you want and letting your bills collect dust. Basically, it means that before you spend your new paycheck on necessities or wants, you should squirrel away a portion of it to your savings. Getting into this habit is helpful because you’ll learn to prioritize saving, and the steady stream of monthly contributions is the best way to grow your emergency, savings, and retirement accounts. The best and easiest way to pay yourself first is to automate it so that the process is mindless.

2. Live within your means

Don’t spend more than you can afford to spend. Don’t take on loans or debt if you can’t afford it. This even means being cautious on what is generally considered “good” debt. Ever since the financial crisis, all of us had to reassess what we initially thought of as good debt, which includes mortgage, school, and car loans. Once people started getting laid off and defaulting on payments, the good debt very quickly becomes bad. That’s not to say that you shouldn’t go to the college of your dreams; but you should still weigh the costs while keeping in mind realistic expectations of job prospects postgraduation. And if it’s truly worth your investment, you should find ways to cut costs. Other than not taking on debt, conscious spending is also part of what it means to live within your means.

3. Prepare for the long term and the worst

Don’t spend your time living only in the here and now. Think ahead, and start preparing for your retirement and emergencies by starting an emergency fund and contributing to your retirement accounts.

4. Knowledge is king
Keep reading and keep learning about how to better your personal finances. This is just the start of your journey, and there is so much out there to learn


10 Ways That Too Many People Throw Money Away by Ed Clark


Take a look at the list and see where you can FIND some money!!! I must admit that I am guilty of doing some of the things on the list.

There are all sorts of ways to cut spending and boost your savings, and there are just as many ways to sabotage your own finances. In addition to missing out on money-saving discounts, making unwise shopping decisions, and purchasing unnecessary items, you might also be throwing your money down the drain for no real reason at all. Often, all it takes is a little effort and organization to fix the problem. But first, you need to be aware of all the ways your money is being wasted. The list could go on and on, of course, but here are 10 ways consumers repeatedly throw their money away.

1. Never redeeming gift cards

Even if you don’t want your gift card, at least give it to someone who will use it. American households also average $300 in unused gift cards, and nearly half of recipients do not use the full value of the card. Don’t be the person letting these dollars go down the drain.

2. Letting Groupons expire

According to Yipit, roughly 15% of Groupons go unredeemed by the time the expiration date rolls around. Make a note of your daily deal coupon’s expiration date to ensure this doesn’t happen to you. And if your Groupon does expire, you can still get some value from it. The digital coupon should retain its face value at the organization for at least five years.

3. Buying tickets and not showing up

4. Paying late fees

Even small late fees add up quickly. This can include everything from overdue library books to Redbox DVD rentals to late payments on utilities or credit cards. To avoid incurring late fees on your credit card, suggests paying far ahead of your due date, changing your payment due date if possible to coincide with your payday schedule, scheduling automatic payment, or setting a reminder for yourself. If you are hit with a late fee after all, call customer service and ask to have the charge waived. On your first offense many companies are willing to let the late fee go.

5. Paying banking fees

It seems like every year banks come up with new ways to nickel and dime their members. Between minimum balances, fees for checking accounts, and ATM fees, these charges can add up. No one should have to pay for basic banking services. Many are having better luck avoiding these unnecessary fees after joining a local credit union. Credit unions typically offer free checking accounts and savings accounts with better interest rates. If you find yourself frequently out of cash and paying charge after charge from ATMs, instead get into the habit of getting cash back from debit purchases when you are out grocery shopping.

6. Not returning unwanted goods

It’s easy to let unwanted items or gifts just sit there in the closet, but with a little effort, you could be getting money back in your pocket. Even if you are past the return date, give it a try anyway. You may be able to at least get store credit. For online purchases, many retailers even cover the cost of shipping for returns. CBS News compiled a list of stores with generous return policies, such as Walmart, Target, Costco, and Kohl’s. Some retailers will even take returns without a receipt.

7. Failing to ask for a refund

Consumers who are dissatisfied with their service often don’t take the time to voice their concerns. Those people that do, however, could end up with a full refund or at least a discount. If you have a bad experience with a hotel, auto mechanic, cell phone carriers, or hairdresser, to name a few, don’t be shy about speaking up.

8. Never disputing mistakes on a bill

If you think your bill may be incorrect, it’s worth disputing the charges with the company. At most respectable businesses, the error will quickly be corrected.

9. Forgetting to follow up on a rebate

The sneaky thing about mail-in rebates is they are designed to be so complicated that consumers either forget to mail them in or do so incorrectly.

10. Not claiming money that’s yours

Every year, unclaimed money is reported by the government, and rightful owners are encouraged to step forward and claim their funds. Find more information about unclaimed money from the government

How to Make Your First Million by Grant Cardone


I started with nothing and have been blessed with enough focus, commitment, follow-through, and the ability to not make excuses that I have done extremely well in my life. So I recently did a show on on How to Make YourFirst Million, which was streamed on Periscope and Meerkat and viewed by over 10,000 people live.

Here are the takeaways from the show:

  1. Never Been Easier—It has never been easier so don’t make it so difficult. There is so much money in the world today and so many ways to get yourself known. The first thing you have to know is that it’s out there and it’s not that hard. In fact, everyone will be a millionaire in their lifetime: $50,000 per year x 20 years equals $1-million.
  2. Saving Won’t Do—The old ideas of saving every penny is not the way today. You can’t simply save your way to the first million without becoming very old. At which point the money probably won’t matter to you. It is said that if you avoid spending $5 a day on coffee and snacks it will save you $73,000 over your lifetime.  I want to bank millions.  You won’t get to millions if you are focused on $5. Quit the little thinking and trapping yourself over saving $70k over a lifetime when it has never worked for anyone. Make enough money so you can use it while you are youthful.
  3. Live Below Your Means—This is correct and you should live below the money you are making. Not because you are depriving yourself, but because you are seeking to use the extra money to start a second flow not to be a consumer but a player.  No one has ever done business with me because of the suit I wear, the watch I have on my wrist, or the car I drove. Live below your means until you don’t have to anymore.
  4. Tax Angles—Push every tax angle you can find and I mean push it. Learn the IRS tax code and use it to your advantage. Quit bitching about taxes and learn how the code can benefit you.  The code was put together to give preference to earners. For instance, I while being an employee, I joined multiple MLM companies so I could take advantage of write offs like the home and car. These were, and are, legitimate ways for me to reduce my tax bill and possibly make some more money—plus I have a chance to surround myself with great people.
  5. Mature From Income to Investor—The way to get rich is to make investments, but you can’t do that if your income doesn’t allow for you to set aside money to invest. The only reason to make and save money is so you can one day invest it. Two things about investing; a) only invest money in projects you know will score and b) never give up your income.
  6. Boss Up— Start acting like a boss in your life and quit acting like money doesn’t matter or that you don’t care.  Quit acting poor and quit acting like you are a spectator. Boss up in everything and especially in the money department. When the bill comes for dinner, boss up and pay the bill, don’t bitch out.  When you see the price of a computer you need don’t back away handle it.  The cost of goods is not the issue boss up and produce in your life.  If you don’t start acting like a boss you won’t throw down and invest when it’s time to.  Act like a boss, not like a little whiner.
  7. Automate a Pay-Yourself-First Program—Set it up with your employer to have money withdrawn from your check each week and have that money deposited into a sacred future investment account. This is one thing I started doing when I was 26 years old that provide me with money to make my first big investments.  It kept me ‘broke’ because basically the investment account was funded before rent and utilities so I was always without money to lose or waste.  This also forced me to continue to hustle and produce new revenue.. This is the step that will make #5 possible.
  8. Be in a Hurry—Be the hare, the turtle, so you can become the millionaire! The old idea was to be patient is over – fast is the new big. The only thing that comes to those that are patient are the crumbs left behind by those in a hurry.  Be fast, be consistent and be in a hurry always to get what is yours!
  9. Millionaire Math—Do the math on what it takes to hit a million. If you make $50,000 a year and can figure out how to put away 40% of it (that is my saving target) it will take you 50 years x $20,000 per year to get there. So you can see you need more income.  If you don’t do the math you won’t even have a realistic understanding of what it takes. The old saying is people lie, emotions deceive but numbers always tell the truth.  Math is a universal language and necessary for you to get where you are going.
  10. Do Not Diversify—I know the diversification concept is popular, but it’s wrong. If you are going to bank a million before you are old and tired you need to pick one or two investment you KNOW are winners and go all in on it.  Almost 90% of all my savings has been invested into income property (apartments) over the last couple of decades. I knew that no technology could disrupt this and that a weaker economy only made the business better.  So I went all in on the thing I understand and that gives me the most chances of hitting Million dollar paydirt.
  11. Multiple Flows—If you don’t get multiple flows happening you will never create financial freedom. Don’t confuse #10 with multiple flows with don’t diversify.  These are not conflicts and you need to fully understand the difference in them. Before you jump into the second flow of income create something parallel or a similar flow to your first one and never abandon the first flow.
  12. Don’t trap your money in Homes IRAs, or college. I know it’s not popular to say these things as they have been sold to you as sacred but these are the traps. Show me someone that became a millionaire and financial freedom because of a home purchase or going to college or even the popular IRA. Flipping homes, by the way, is not buying homes—that is a real estate play. Wall Street has convinced you to do these things to trap your money and control it for a lifetime.

You can be a millionaire and you should have your financial targets to be a millionaire up until the point that you become one.  If you want to be a millionaire then learn how to get yourself focused on it, stay focused on it and throw away all of the old ideas about how to get there.  And then do everything possible to get there as fast as you can.

When you become a millionaire you may not be any happier but I assure you that you will have a different bounce in your step and confidence.  If I can help you or answer any questions post them in comments below. I am blessed to have gotten where I am and I want to help as many people achieve the same financial freedom.

Be Great—Get Rich—You deserve financial freedom.

42 Ways to Radically Simplify Your Financial Life


If you are looking for ways to start your 2016 off the right way here’s an article by Adam Baker with Man vs. Debt to get you started on the right track:

The heart of simplicity is in exploring, finding what works for you, and purging the rest.  With that in mind, here are 42 ideas to help push you down the rabbit hole:

  1. Focus on one financial goal at a time. The average person seems to always be juggling paying down debt, building an emergency fund, saving for retirement, coming up with a down-payment, college, weddings, kids…  ugh.  Instead, try passionate focusing your intensity on one goal at a time.  If you’re attacking debt, attack debt.  If you’re saving for a down-payment, start stockpiling.  Simplify, focus, and prioritize.  Build on your momentum.  Once you knock out one, plow through the next.
  2. Consolidate accounts. I seriously doubt you need 2 savings, 4 checking, and 3 separate retirement accounts.  It’s no wonder people get lost tracking their finances.  Shoot for 1 of each.
  3. Combine finances if married. This battle has already been publicly fought here and on other blogs.  My preference is clear.  Invest the time upfront to create 1 account of each type, 1 set of goals, and 1 financial life.
  4. Cancel your credit cards. Yeah, I said cancel.  While you’re at it burn the evidence (in the most environmentally friendly way, of course).  Lower risk of identity theft, less financial accounts, less miscellaneous and erroneous fees, and cleaner reviews of credit reports.
  5. Freeze your credit reports. For those committed to a life without credit (or those who won’t need it for awhile), freezing your credit report can save a lot of headaches.  A freeze limits access to your report, making it much more difficult for anyone to compromise your identity.  Most states charge a fee, although a couple offer it for free.  You can even do it all online.  It doesn’t get any simpler than that.
  6. Budget using pen & paper. I’ve recently adopted this practice and I absolutely love it.  My new theory is if you can’t generate a simple budget with pen & paper…  your budget is too complex.  This forces you to use broad categories and encourages you to lower your spending/monthly commitments.  Also, physically writing out your budget is a much better demonstration of comprehension than staring at fancy computer software.
  7. Budget using last month’s income. This popular budgeting hack is effective for three reasons.  First, it implies that you’re a month ahead of you bills, meaning you have a least a small cushion.  Secondly, it solves the problem of budgeting for irregular income.  Third, because it can’t change, it lends itself easily to zero-sum budgeting or the process of allocating each dollar to a specific category at the beginning of the month.
  8. Use cash.  Try adopting cash for your discretionary spending.  The key to cash is to make the process as intimate as possible.  Using physical envelopes that represent your spending categories is a fantastic way to make your budget tangible.  It doesn’t get more simple than looking down to find $4 left in the “Entertainment” envelope.  Don’t mistake convenience for simplicity.  They aren’t always the same thing.
  9. Batch bill paying. The goal of this idea is to pay all the scheduled bills for the month on the same day.  I do this with our student loans.  It can be hard to do with some bills as due dates can be spread out.  However, the far majority of vendors are more than happy to take your payment a couple weeks early.  This is especially easy if you are budgeting based on last month’s income.
  10. Leverage calenders. If batching your bills doesn’t work well for you, set up a bill calender for a simple visualization of the month.  Most calenders can send auto-reminders to ensure you don’t miss a regular payment.
  11. Track your spending at the point-of-sale.  Carry a notebook.  Tap it into your iPhone.  Use whatever strategy you want, but do it at the point-of-sale.  There’s a big difference between auto-syncing your spending into budgeting software and physically logging your spending.  Tracking in this way enforces your positive spending patterns and causes you to think twice about your impulses.  With limited practice this habit becomes second nature.
  12. Experiment with spending hacks. Implement “No Spend” days. Try fasting from different common purchases (no television for a month, no daily Starbucks for a week, etc…).   Give yourself time to adjust and test whether those reoccurring expenses are really worth it.  Add any of your “must-have-it-now” purchases to a 30-day list.  Only purchase those that are still “must-have” after a month.
  13. Stop thinking monthly.  When purchasing big ticket items, stop thinking about the monthly payment.  Think, negotiate, and buy based on total or lifetime cost.  This goes for contracts as well.  What’s the total price?  Once again this will lead to less impulse spending, less useless clutter, and, of course, less monthly payments.
  14. Automate the flow. Take advantage of online bill paying services. Direct deposit your paycheck.  Ensure your accounts are properly linked.  That being said, I’m not a huge fan of automatically paying your bills.  Streamline it so you can pay with the click of a button, but I choose to maintain control of authorizing the payments each month.  This allows me to scrutinize bills and notice erroneous fees or changes in service.  There is such a thing as too much automation.
  15. Go paperless. Authorize vendors to issue online billing as much as possible.  Scan and keep digital copies of any important paperwork.  Reduce your junk mail.  Good for the environment, even better for your sanity.
  16. Insure adequately. Invest the time upfront to understand your insurance coverage.  Know at least the very basics of your policy and how it works.  Stop making excuses and buy health insurance.  Life, home, auto, long-term disability, make sure you cover your bases.  When the time comes to use it, you’ll life with my 1000 times more simple.  By the way, this include having a basic will.
  17. Package services. Speaking of insurance, package all your insurance needs with one company.  This means less contacts, less confusion, and usually will save you money anyway.  Look for ways to do this with other services like communication.  At the same time, don’t ever get an add-on you don’t explicitly need.  Package your needs before you start shopping.
  18. Pay for regular services in advance. For any service you pay monthly, check to see if you are able to pay in advance.  Often times you can pay for 3, 6, or 12 months.  This not only is simpler in terms of paying less often, but almost always results in a discount.
  19. Cancel all subscriptions. Subscriptions, especially the small ones, can really sneak up on you.  Rather than pick and choose, cancel any of them you can and start from scratch.  Be ruthless.  Don’t re-subscribe easily, even if it’s free.
  20. Quit signing contracts. Cell phone contracts, gym memberships, and even long term leases are common examples.  Stop signing this crap.  Negotiate, pay in advance, or explore alternatives.  I’ve adapted this principle with great success in the last year.  Only sign contracts on the most essential needs in your life.  Almost everything else has several other option.
  21. Fund an emergency fund. This is most important for peace of mind.  If you don’t have one of these, you have no idea what sort of stress release it is to have this in your back pocket.  It’s changed our complete mental approach to our finances.  We treat our fund as another form of insurance.  We don’t fret about interest rate or optimization.  It’s just there to help spread the risk of something unexpected.
  22. Become 100% debt-free. Including the mortgage.  It is so liberating.  I know how much more simple my financial life is now without my consumer debt.
  23. Consolidate high-interest debt. Be careful.  Normally, I vehemently oppose consolidation.  9 times out of 10, people use this as an excuse to transfer responsibility.  They consolidate and then fall right back into the same trap.  However Matt Jabs recently consolidated his high interest debt using Lending Club.  He’s proven there are exceptions to the rule as he’s now more passionate than ever.  In his case, he’s simplified it into one source and is saving a lot of interest in the process.
  24. Create artificial scarcity. This is more commonly referred to as “pay yourself first.”  The theory is to automatically transfer a portion of your income to savings and budget on the rest.  Basically, it is prioritizing your goals.  The theory is great, as long as you actually spend less than your earn.  There’s no reason to pay yourself first, if you’re going to overspend and continue to plunge into debt.  When done correctly, though, this ensures you’re accomplishing even your “boring” financial goals.
  25. Simplify your investments. My theory when it comes to investing is that if you can’t provide a quick summary of what your investing in and how it works…  you shouldn’t be investing in it.  You don’t have to become a financial planner to know the basics of what your money is doing.  And, yes, you can simplify, while still maintaining diversification.  The two aren’t mutually exclusive.
  26. Buy and hold. Stop trying to time the markets.  There are very few exceptions and you aren’t one of them.  Neither is your cousin’s new inside “opportunity.”  This game is an emotional roller coaster and the stress it causes is the exact opposite of everything that is simple.
  27. Do it yourself. Simplicity isn’t just doing whatever takes less time.  There is simple virtue found in embracing sustainability, creating your own products from scratch, cooking at home, and learning the skills to repair instead of replace.  At the same time, don’t be afraid to…
  28. Outsource tasks.  The truth is learning the skills it takes to be self-sufficient takes time and practice.  Some people are better off focusing their attention on tasks that offer more value.  More importantly, there are some things best left to trained professionals.  Outsourcing makes sense when it will increase the quality, while saving time, stress, and money.
  29. Create a list of everything you own. I’ll be honest.  Creating the list, itself, isn’t simple.  Actually, it’s pretty hard.  But the process of creating this list is sure to stimulate a quest for simplicity.  It’ll be a wake-up call to consume less, spend less, and own less.
  30. Sell half of the list within the next two weeks. Here’s where things get interesting.  Making a commitment like this will spark a wave a simplicity in multiple areas of your life.  Not only will you generate some cash, but you’ll be saving maintenance, upkeep, and potentially storage costs for all your unused junk.  This also increases productivity as it spills into other areas of your life.
  31. Get rid of 2 items for every 1 you buy. Once you’ve simplified your consumption habits, it’s important to take measures to maintain them.  Adopting this policy will help control your spending, encourage you to borrow before you buy, and shift your focus from possessions onto experiences.
  32. Embrace alternative transportation. Ditch the cars.  Research public transportation.  Try the buses, trains, or subways.  Move closer to work, so you can bike.  Walk if at all possible.  In addition to the potential health benefits, you get to bypass car payments, repairs, registration, plates, gas, insurance, etc…
  33. Become a one-car family. Alright so you have to be able to drive.  Whatever.  More and more families these days are making the jump to a one car.  Whatever you do, you’re going to be hard pressed to explain how having 3, 4, or more vehicles is necessary (not all that uncommon).  Go ahead and try, I’m all ears.
  34. Buy a smaller car. Less upkeep and usually more efficient anyway.  Don’t read this incorrectly, though.  This doesn’t say “buy a new car.”  You can find dependable, late model, compact cars.  In fact, they are all over the freakin’ place.  You might have to look at more than just one website, though.
  35. Rent. Avoid the number one killer of financial simplicity… a house.  Two years ago, I would have been shot on sight for this suggestion.  These days, examples of buying too soon, too much, or too many are all around us.  I’m a fan of home ownership, but you’ve got to be 100% ready for it.  It’s adds an enormous amount of complexity to your financial life.
  36. Consider a condo. A condo could be an option if you’re just dying from house fever, but are looking to stay as simple as possible.  Obviously, buying a condo is just as dangerous (if not more so) than buying a house.  It still requires 100% commitment and offers a different set of challenges.  However, it’s often easier to budget for “association fees” than it is to account for all the ups and down of maintaining a single-family home.
  37. Buy less house. Finally, if a house is a must, consider buying less.  One of the biggest problems with leveraging credit to purchase a home is the temptation to buy so much more than we need.  Remember, bigger home means higher maintenance, insurance, and mortgage.  Don’t forget you’ll need more crap to fill it up.
  38. Simplify your income sources. Multiple streams of income sound great, but pursuing too many options at one time can stifle them all.  I suggest having one primary and one secondary source at any one time.  If you’re working a full-time job, trying to buy and sell on e-bay, launching your blog, and delivering pizzas on the weekend…  stop.  Choose one of these side pursuits and focus your energy.  You’ll simplify your life and most likely have more success anyway.
  39. Discover what you do well… and do it more. If you’re an employee, search for whatever delivers the most value for your employer.  Once you find out, replicate it as much as possible.  Playing to your strengths will fast track your progress, as well as your satisfaction.  As an entrepreneur, you’re goal is to find out what unique value you provide that your competitors don’t.  Whatever extra value you offer, focus on that.  Stop trying to be everything to everyone and just be something to someone.
  40. Learn to negotiate. Many of the tips above will be much easier to implement when you become comfortable with a certain level of negotiating.  We all negotiate in one form or another.  It pays to learn some basic strategies to help you understand and deal with other people’s wants.
  41. Filter your financial advice. Experiment with different forms of inspiration.  Find what sources click with you and which don’t.  Hone in on those that offer value and throw away the sources that don’t speak to a part of you.  Take the best parts of all the guru-system out there and craft your own.  Once you find a system that works, cut down the noise and focus on it.
  42. Simplify other areas of your life. Eat Less. Passionately pursue only one hobby at a time.  Remove clutter work environment or office.  Simplicity is viral.  Come drink the kool-aid.

Buying Rental Property


ImageBuying rental property is hard work but very rewarding if you educate yourself and put processes in place to make sure you succeed.  Remember purchasing a rental property is a big deal it’s one of the biggest purchases that you may make outside of buying a traditional property. Owning a rental property is like owning a small business you need to keep track of paperwork, work with tenants and vendors, file taxes, etc.  Investing in real estate is no easy task make sure you have a reason and a plan of why you want to invest in real estate:

  1. Make sure your personal finances are in order. Never buy a rental property if you don’t have income to cover the payments of the rental property and at least an eight (8) month emergency fund. Remember if something happens with your tenant you are responsible for the mortgage payments and repairs.
  2. Get preapproved for a loan. Sit down with a mortgage lender or broker to find out if you can afford to make an investment before you spend a lot of time searching for a property. You will need a 20-25 percent down payment for most lenders (and that’s 20-25 percent, plus closing costs and renovation costs, might add up to 30-35 percent cash up front to close escrow and get a property rental ready). So, for a $120,000 property, that could easily be $40,000 cash needed. 
  3. Research going rents. Ask real estate agents, property managers, or other renters in the area how much you can realistically expect to charge for rent. There are sites like,, etc that can also help you with going rent rates.
  4. Buy properties in good locations. The quality of the neighborhood is important for keeping good tenants. Take a look at the proximity to employers, schools, parks, and public transportation. If you plan to manage a rental yourself, be sure that it’s fairly close to your home (the rule of thumb is no more than 1-2 hours from your primary residence).
  5. Make purchase offers contingent upon inspections. Always pay to have professional inspections made so you can determine what repairs may be needed and if there’s evidence of pest damage.
  6. Get landlord insurance. You need to have plenty of liability insurance to protect yourself in case someone is hurt while they’re living in or visiting your rental property. I also make sure that my tenants have renter’s insurance this will cover all my tenants property at its full replacement cost.
  7. Know the rules. There are federal and state laws regarding rental property that you must not to violate. Visit for information about the landlord-tenant laws.
  8. Consider the services of a property manager. After years of managing my own rental properties, I turned them over to a professional. Even though a property manager charges around ten to fifteen percent of the gross rent they collect—to me, it’s well worth it. If you want to circumvent all the hassles of managing a property, be sure to add the expense of a professional manager into your calculations before you decide to buy a property. 

It’s important to remember that there are no guarantees when you invest in real estate.  It’s true that the value will increase but it will also decrease along with the increases and decreases the rents and home prices with go up and down but if you’re cut out for  investing in real estate it is an amazing way to diversify your investment portfolio.