Tag: wealth

Profit From Substantial Inflation Ahead

US & Other Central Banks Printing Endlessly New Dollars. Photo credit: Unsplash.

Updated April 13, 2024. Let’s take a look at how to profit from the substantial inflation that is already starting to happen. The US government has been printing massive amounts of new money. On January 6, 2020, the US Federal Reserve had around $4 trillion dollars. On January 4, 2021, the number increased to $6.7 trillion dollars. As of 2021, over 40% of US dollars were printed in the last 12 months.

Viewing The US Federal Reserve Numbers

FRED M1 Money Stock, 2020. Photo credit: https://fred.stlouisfed.org/series/M1REAL

Updated June 22, 2022. Below is the same chart from updated to May 24, 2022:

FRED M1 Money Stock, updated May 24, 2022. https://fred.stlouisfed.org/series/M1REAL

Simultaneous News Hits At Same Time

This is what has happened in the United States. But, with the world reaching the end of the long-term debt cycle, and having the COVID-19 hitting at the same time, all countries are facing the same problem. Every government and every central bank, not just the US Federal Reserve but also the European Central Bank, the Bank of Japan, etc. As a result, it looks like inflation is their best business plan as they will profit from substantial inflation very soon.

Jake Tran did an interesting YouTube video titled, “Why Haven’t We Seen Hyperinflation?” He interviews Peter Schiff who points out that we have had an incredible surge in government spending. A lot of the spending has been related to COVID-19 and to the economic shutdown. Many people were no longer out there earning money and the governments have looked to replace some of that money with government stimulus money. There were no tax hikes, nor prioritization of government spending. So the governments had no choice but to ramp up the printing of new money – BRRRRRRRRRR…. The governments printed the new money and then put it into circulation through government programs.

No Historical Precedent

All the currency that has been created is hugely staggering. Jason Hartman, podcast host, says that we have never seen anything like this before. There is no historical precedent to what has now happened and it feels like we are in uncharted territory. However, with all the new money many people do not think this is a problem. Nevertheless, all this new currency has a distinct possibility of being highly inflationary as time passes. A look at the chart below you can see how high the deficit has reached.

Federal Deficit Trends Over Time 2000-2020. Photo credit: https://datalab.usaspending.gov/americas-finance-guide/deficit/trends/

So the question is, where is the inflation? Everyday goods like food and gas have not increased by 40% and other countries are seeing the equivalents in their price of goods. So what gives and where is the inflation?

Updated July 26, 2023. The Federal Reserve increased interest rates again by a quarter of a point. This brings the benchmark borrowing rate to a range of 5.25% to 5.50%.

Updated June 22, 2022. The war between Ukraine and Russia continues. President Biden announced that the US will not purchase oil and gas from Russia in an attempt reduce the foreign money that Russia receives.

As a consequence, the U.S. gasoline price on June 13, 2022 was $5.006 a gallon. Food prices were 9.4% higher in April 2022 than in April 2021. This is the largest annaul increase in food prices in 41 years. As a result, grocery prices leaped 10.8% for the year.

Four Factors of Inflation

The question is, what are the factors that cause inflation? As well, how do you profit from substantial inflation? The answer is that the amount of money being printed is just one factor that makes up inflation. According to the YouTube channel Economics Explained, the other big factors of inflation include: 

  • Industrial output. The economic output is the number of things available. The higher this number, the lower the prices will be and vice versa.
  • Employment. Too little employment leaves employees looking for jobs which leads to decreased wages and decreased prices.
  • Money supply. Increasing the money in an economy will increase the prices that everyone has to pay.
  • Velocity of money. The movement of money is also a factor as to how fast money goes from one person to another.
FRED Velocity of M1 Money Stock. Photo credit: https://fred.stlouisfed.org/series/M1V

Inflation Analysis

What we see is that the money supply has definitely gone up. Industrial output is more or less a non-factor because businesses are not producing as much, but also people are buying less right now. However, employment and the velocity of money have decreased because of a high degree of uncertainty in the world. As a result, Inflation is starting to creep up, but for right now, it is happening slowly.

US Markets & the Everything Bubble

What we have seen in the US is an increase in the markets. For example, the stock markets, real estate, and bitcoin have been on a continuous tear as prices continue to go up. This is so big because of its effects on society. Many people have called what we are seeing right now as an “everything bubble”. 

In March 2021, Charlie Munger, vice chairman of Berkshire Hathaway, and I believe is one of the wisest people in the stock market today, was being interviewed by the Daily Journal Corporation in Los Angeles, CA. A lot of people were asking Charlie Munger about the very real possibility of a stock market bubble. Here is what Charlie had to say: “Yes, I think this must end badly but I don’t know when. I think this kind of crazy speculation in enterprises not even found or picked out yet is a sign of an irritating bubble.” 

Undoubtedly, Charlie Munger is very intelligent individual and I am sure he knows exactly how he will profit from the irritating stock market bubble and the substantial inflation that is already taking place.

No Experience for Pre-Retirement Investors

Rising rates have been forecast before. However, this time the analyst survey is showing that it is already proceeding. Pre-retirement investors are not experienced in dealing with a market backdrop of steadily rising rates. The Federal Reserve on Friday, March 19, 2021, said that it will not extend an exemption that would end on March 31st. In essence, the Fed won’t extend relief for banks because they believe that banks have strong capital positions.

Starting on April 1, 2021, the nation’s biggest banks will not be able to exclude treasuries from SLR (supplementary leverage ratio) calculation. This and its ramifications are big news. It looked like everything was status quo, but the status quo will not continue. This is something that clearly upset the markets and will continue to upset the markets.

The Cantillon Effect

About 250 years ago, a famous economist named Richard Cantillon wrote a book where he talked about the “cradle of political economy”. This is called the Cantillon Effect. The premise of the book is that people who are close to the money benefit the most. The people who are farther from the money benefit less because prices have already risen. 

Wall Street, the central bankers, the politicians, the tech entrepreneurs, the wealthy people take advantage of being close to the money. These individuals get to take advantage of all of these opportunities first. This circumstance has a tremendous impact on wealth inequality and is the basis for huge problems in society.   

Honestly, if you look at the people who are close to the money they do not care about anyone else, they are just thinking about themselves. In my opinion, they are greedy beyond comprehension. This is why these central bankers have created the stimulus checks. They want to keep the average worker from rising up, rioting, and having civil unrest as a measure of security.

The central bankers want to take advantage of this Cantillon Effect opportunity. They want to profit immensely from the situation we all see before us. The good news is that you can profit from the massive inflation that is directly ahead of all of us too. Here is how to anticipate and prepare for the next year and a half to three years and how not to be a victim of the wealth gap.

How You Can Benefit from Inflation

The other way to is benefit from inflation. Inflation is the secret way that the governments and central bankers can wipe out hundreds of billions of dollars of debt off the balance sheet very quickly. Remember that the US government’s debt is owed in US dollars. So, as a result, we can inflate our currency to pay off the debt. 

This is an extremely powerful inflation strategy and it is the plan that we should follow as well. Like it or not, this is the game that is being played. This is a plan that is way too big to do anything about. The secret is to learn how to profit from substantial inflation ahead. The result will be an incease your investments and your wealth.

So, we should align our interest with the two most powerful forces the human race has ever known: governments and central banks. We need to align our business plans so that we are on the same plan that they are on.

Wealth Redistribution

Inflation is a hidden tax and it is a wealth destroyer. Inflation destroys the value of our savings, our stocks, our bonds, and our equity in our real estate. But inflation destroys the value of our debt as well. Herein is the huge advantage of inflation. Inflation is the most powerful method of wealth redistribution. Inflation redistributes wealth from lenders to borrowers and from old people to young people. 

First let’s see what happens if you borrow money from a bank. If you go to a bank and ask for a loan, you will get the money at today’s value. Yet when it comes time to pay the money back, you will pay it back at tomorrow’s lower value because of inflation. You have won the inflation game! Why? You have won because you will pay back the inflation gain in cheaper dollars. This is a winning strategy that will have you saving the extra as profits.

Inflation will also redistribute the wealth from old people to young people. How does inflation do this? In most cases, old people have assets such as savings accounts, investments in the stock market, bonds, and equity in real estate. These assets are their preparation for the future and their retirement.

Young People Will Benefit

The problem for the old people is that inflation is munching on those assets. On the other hand, the young people are just starting out in life and they usually have a lot of debt. As a result, inflation is an intergenerational wealth transfer from the older people to the younger people. The good news is that the younger people don’t have to worry about an inheritance because the powerful force of inflation will do a lot of it for them!

If the interest rate on the debt is cheap and the inflation rate is high, then the debt is benefiting you. This is essentially a negative interest rate. Higher inflation in the future will help to negatively impact lenders and help people’s debt. This is the secret to profit from substantial inflation ahead. Are you thinking of taking advantage of the power of inflation? For the intelligent person, the secret is to look for commodities that are indexed to inflation. 

One Possibility: Maximize With Real Estate

Everyone on Earth needs a place to live. Using debt in a positive way to create wealth is the key when it comes to income property real estate. An investor who decides to become a landlord and purchases multiple income properties understands this concept. Debt is the hidden wealth creator and it has helped millions of people already. Read my blog on the 3 Ways To Really Boost Your Rental House Cash Flows.

Let’s take an example of a person who buys an owner-occupied house to live in. At this time the mortgage rates are historically low. But with inflation already kicking in, you know that the interest rates on everything will increase. Inflation also affects the interest on a 30 year fixed rate mortgage. Below is a US 30-year fixed rate mortgage interest rate chart from 1971 to 2021. If you look at the right hand side, you can already see the mortgage interest rate going up.

FRED 30-Year Fixed Rate Mortgage Average in the United States. Photo credit: https://fred.stlouisfed.org/graph/?g=NUh

Inflation: Prepare Now

To anticipate and prepare for the next year and a half to three years and not be a victim of the wealth gap, take advantage of the powerful force of inflation. Align your strategy with the governments and central banks. This is the hidden secret to profit from the substantial inflation that is ahead. This is a win-win strategy that will give everyone an edge.

In my opinion, I suggest preparing your inflation strategy right now if you have not done so already. In the comments, please let me know your thoughts on the massive amount of money printing taking place today and on your personal views on inflation. 

Last Updated on April 13, 2024 by Financial Goodness

Financial Goodness

George Alexander Roy III and our team are experts in helping you to seek wealth through investing and tips on how to succeed. Join us at FinancialGoodness.com to increase your knowledge through education in the areas of personal finance, real estate, and investments. George has been an owner of a real estate investment business that focuses on wholesaling, fix & flip, and long-term buy-and-hold property strategies with a consistent increase of annual revenues. Consequently, as an entrepreneur, researcher, writer, and speaker he has sought the truth in everything he does, no matter how difficult. Hopefully this value and service will help each person achieve their financial freedom sooner.

Generate More Wealth in the Next Two Years

Generate More Wealth. Photo credit: Unsplash. Thank you @morganhousel

Updated April 13, 2024. If you are worried about the world economy, you are not alone. We have watched as businesses and workers have struggled with the new regulations imposed by the COVID-19 pandemic. However, I believe that the U.S. will generate more wealth in the next two years under President Joe Biden than in the previous decades combined.

As many know, we have just added more US debt to the economy than the debt of World War I and II together. With President Biden, you may be asking me why I would make such a bold statement on the future of the US and the world. For the most part, I believe that many factors are setting up nicely for you to generate more wealth in the next two years. Let’s take a look at those factors.

Biden Signs Stimulus

On Thursday, March 11, 2021, President Joe Biden signed the passage of the $1.9 trillion American Rescue Plan. As he signed he said that the bill and the IRS will begin sending out payments as soon as the next day – Friday, March 12, 2021. 

All the markets in 2021 are going up. The Russell 2000 holds relative strength and is leading the indexes higher. Look at the other indexes in the stock market and in real estate. They are increasing rapidly because of inflation. But don’t be scared of rates yet. For this reason, I believe that this environment should be very favorable for stocks and other risk assets.

Rates Are Just Part of the Picture

If we examine the recent decline in the major indexes, we can see that the timing appears to coincide with a sharp increase in interest rates.

U.S. 10 Year Treasury. Photo credit: CNBC. https://www.cnbc.com/quotes/US10Y?qfsearchterm=

Updated June 22, 2022. On Wednesday, June 15, 2022 the Federal Reserve raised interest rates by 0.75%. This is the largest move the Fed has made since 1994. In the projections released after the meeting, the Fed expects to further raise interest rates to roughly 3.4% by the end of this year.

Watch Out For Volatility

However, numerous sources say it will not last. Berkshire Hathaway’s vice chairman Charlie Munger said on February 25, 2021, that the speculation in stocks will end badly. Furthermore, Morgan Stanley 2021 stock market outlook predicts that the market will see a lot more volatility in the second year of a new bull market that could be extremely unpleasant along the way.

US Printing Presses Doing Overtime

The US is constantly printing dollars with no end point target. In my opinion, ride it out for two years if possible. But be aware as long as the US money presses keep printing money everything will most likely rise. Likewise, if you feel you are missing out on a bull market and you want to get in, be careful and look at the technical analysis for each stock you invest in. Just remember that the market is most likely in a bubble in the long term it could be very unsustainable.

Everything I have just written above is true. But I understand your concerns if you are sceptical. If you pay attention to the news, they focus on negativity. Why do they focus on negativity? One simple reason: because it sells. 

Entrepreneurs: Rocket Up

However, in my opinion, people in the world, particularly in the US, these entrepreneurs and businessmen are just getting started. These people are launching new businesses, inventing new technologies, solving real world problems, and creating cutting-edge medicines. Previous generations would be astonished at our life in the 21st century.

I would argue that middle class Americans today are far better off than the wealthiest people from 100 years ago. For example, the middle class today have air conditioning, the internet, and medical care available every day. Travel is available if needed. As a result, I would say that the innovations the world has gone in the last 100 years have been breathtaking, to say the least. To clarify, I believe individuals will generate more wealth in the next two years. So let’s learn what people are doing so that you can increase your wealth as well.

Big Increases In Life Expectancy

The increase in life expectancy is amazing. More than one billion people have been lifted out of poverty. Take a look at the chart below of the increase in life expectancy that has happened in the past 150 years.

The increase in life expectancy has created the one thing that man cannot control and that is time. The addition of more time in a person’s life will have a dramatic effect. As a consequence, life expectancy will continue to increase the work output for individuals and for businesses. As a direct result, these individuals will see the opportunity that is presenting itself and generate more wealth in the next two years.

I believe the key here is time. If we increase the precious amount of time we have on Earth by twenty years to thirty years or more the results will be amazing. I say this because time has always been a limiting factor to bring things to fruition with businesses and technology. Please take a look at the chart below. Do you agree?

World Life Expectancy. Source: Riley, Clio Infra 2015, and UN Population Division 2019. Photo credit: https://en.wikipedia.org/wiki/Life_expectancy#/media/File:Life_expectancy_by_world_region,_from_1770_to_2018.svg

Launching New Businesses

I believe that the U.S. will generate more wealth in the next two years. Let’s take a closer look at this exciting arena of launching new businesses, inventing new technologies, solving real world problems, and creating cutting-edge medicines.

Chart of Number of Business Establishments Less Than 1 Year Old in the U.S.:

Number of Business Establishments Less Than 1 Year Old in the U.S. 1994-2020. Photo credit: https://www.statista.com/statistics/235494/new-entrepreneurial-businesses-in-the-us/

Look at the number of new businesses happening now. In March 2020, there were 804,398 new businesses that were less than 1 year old. This is an increase from the March 2019 figure of 770,609.

Small Business Survival Rate

50% of small businesses survive 5 years or more, while only 25% make it to 15 years or more. 20% of new US businesses fail within their first two years, according to the US Bureau of Labor Statistics. 45% fail during the first five years. 29% of small businesses failed because they ran out of money, while 17% failed due to a lack of sound business model and poor product offering.

In general, the small business success rate depends on a number of factors. One of the most important factors is to be passionate about your business. Then set goals and plan ahead. But always keep your mind open to new ideas.

The most essential plan of action is to do these three things very rigorously: budget carefully, be disciplined, and focus on the needs of your customers. By realizing this awesome opportunity to generate wealth and doing these necessary steps, you increase the chances of taking your startup business and growing it into a $1 million+ company.

Technology And Innovations

We all know about the astounding growth of technology companies. Elon Musk is perhaps one of the great innovators of all time. In the last year, from 2020 to 2021, Tesla stock has risen more than seven times. Intuitive Surgical is another one. In 2004 Intuitive was $6 a share. Now it is more $700 a share in 2021. If you bought these stocks they are awesome gains to have in your portfolio.

But the secret is to find these technology companies when they are just getting started. If you look at the real builders meaning the innovators, the entrepreneurs you will find that innovation is accelerating faster every day. For example, when the microprocessor first came out in 1971 it could hold about 2,000 transistors. However, now in 2021, the microprocessor can have more than 39 billion!

Prediction: U.S. Will Generate Great Wealth

I believe that the U.S. will generate more wealth in the next two years under President Joe Biden than in the previous decades combined. If you are not sure where to look, I highly suggest real estate. Billionaire Andrew Carnegie famously said that 90% of millionaires got their wealth by investing in real estate.

Also, if you haven’t read my blog on the How To Be A Millionaire By Retirement (and possibly work from home) check it out.

James 1:5 NLT

If you need wisdom, ask our generous God, and he will give it to you.

Last Updated on April 13, 2024 by Financial Goodness

Financial Goodness

George Alexander Roy III and our team are experts in helping you to seek wealth through investing and tips on how to succeed. Join us at FinancialGoodness.com to increase your knowledge through education in the areas of personal finance, real estate, and investments. George has been an owner of a real estate investment business that focuses on wholesaling, fix & flip, and long-term buy-and-hold property strategies with a consistent increase of annual revenues. Consequently, as an entrepreneur, researcher, writer, and speaker he has sought the truth in everything he does, no matter how difficult. Hopefully this value and service will help each person achieve their financial freedom sooner.

Best Stock To Invest In Is BRK.B

Warren Buffett is an American investor, business tycoon, philanthropist, and the Chairman & CEO of Berkshire Hathaway. Photo credit: https://www.marketwatch.com/story/this-mutual-fund-may-have-cracked-the-buffett-code-berkshire-hathaways-secret-sauce-2020-09-21

Updated April 13, 2024. My years of research tell me time and time again that the best stock to invest in is BRK.B by Berkshire Hathaway. The company is known for its control and leadership by Warren Buffett, who serves as chairman and chief executive. Berkshire Hathaway is a publically traded entity and is an overwhelmingly American multinational conglomerate holding company that is based in Ohama, Nebraska. This is a publicly traded stock under the tickers Berkshire Hathaway A or Berkshire Hathaway B (BRK.B).

The main difference between Berkshire Hathaway Class A and Class B shares is their price. The Berk B shares are much more affordable and offer the benefit of flexibility. Subsequently, if an investor owns just one share of Class A and is in need of some cash, the only option is to sell that single share, even if its price far exceeds the amount of capital he needs to access.

In contrast, a holder of Class B shares can liquate part of his or her Berkshire Hathaway holdings just up to the amount needed to meet cash flow cash flow requirements. In addition, Class B also provides a potential tax benfit. Its much lower price means that BRK.B stock can be passed to heirs without triggering the gift tax as passing Class A shares does.

One final difference is that Class A shares can be converted into an equivalent amount of Class B shares any time a Class A shareholder wishes to do so. The conversion privilege does not exist in reverse. Moreover, Class B shareholders can only convert their holdings to Class A by selling their Class B shares and then buying the equivalent in Class A.

Warnings Of Possible Financial Crisis Emerging

Many people are wondering what is happening with the U.S. and global markets. In a wide-ranging conversation, I recently watched a video where you were interviewed by Charlie Rose in April 2022. In the beginning of the interview you explained that after reading The Intelligent Investor, you understood to buy businesses that are publicly traded. You became an owner of the business and you did not care whether a stock went up or down the next day, or next week, or next month, or next year because you understood the principal of value investing. You didn’t care because you knew businesses. Looking at the numbers of the businesses that you completely understood made you comfortable enough to invest in these companies.

As Warren has said, he is an extremely bright man who is terribly interested in the work that he does. He has spent a lifetime doing it and he have surrounded himself with people who bring out the best in him. Warren has said many times that he doesn’t have to be a genius in what he does and that’s the great thing about it.

From my perspective, the genius is that Warren Buffett realized, many years ago, is that he is in a game that allows him to succeed over time to the highest of levels because he didn’t really need extra intelligence. He has dedicated himself and his eventual success by focusing on one thing: investments.

Warren said it best himself: you need the right orientation where the investor would think about what the companies are going to be worth 10 or 20 years from now. What I like best is that if a person truly internalizes everything, all the necessary ingredients, they too will make a lot of money. Warren Buffett has said, “I got rich when I understood this.”

The Gem: Berkshire Hathaway Stock

Berkshire Hathaway (BRK.B) is an American multinational conglomerate holding company headquartered in Omaha, Nebraska and is owned by Warren Buffett. As probably everyone knows, Warren Buffett is one of the most successful investors of all time. As well, my years of reading and research tell me over and above that BRK.B that the best stock to invest in.

Similarly, BRK.B is a stock that combines the best value in publicly traded companies as well as privately owning a number of companies themselves. Investing in Berkshire Hathaway provides investors with property and casualty insurance and reinsurance, utilities and energy, freight rail transportation, finance, manufacturing, retailing, and services. 

Berkshire Loves Collecting Dividends

Berkshire Hathaway famously doesn’t pay dividends. Nevertheless, Berkshire stock loves collecting them. In  2018 alone, Berkshire took in $3.8 billion in dividends. “A sum that will increase in 2019,” Buffett said in the annual letter.

As of August 2020, Berkshire Class B stock is the seventh-largest component of the S&P 500 Index. On January 10, 2018, Berkshire Hathaway appointed Ajit Jain and Greg Abel to Vice-Chairman roles. Abel is vice chairman for non-insurance business operations, and Jain is vice chairman of insurance-operations. In addition, for the fiscal year 2019, Berkshire Hathaway reported earnings of US$81.4 billion, with an annual revenue of US$254.6 billion, an increase of 2.7% over the previous fiscal cycle.

Berkshire Hathaway Is Undervalued By 20%

The Berkshire Hathaway current valuation is $495 billion. If Berkshire Hathaway businesses are valued at 20 times operating earnings approximating the S&P 500 Index, then they would have an enterprise value of $480 billion.

In comparison, subtracting the float of $130 billion would then result in an equity value of $350 billion. Then adding $350 billion (businesses) to $385 billion (stock portfolio plus cash) results in an overall equity valuation of $715 billion. As such, the Berkshire Hathaway current valuation of $495 billion represents a 30% discount!

Berkshire Has Top Management

Berkshire Hathaway is a stock that is run by top management. Consequently, the huge advantage is that the management regularly optimizes the companies Berkshire Hathaway invests in so that you don’t have to. Basically, you can sleep well every night knowing that your investment is secure.

When Warren Buffett speaks, Wall Street and investors listen intently. That’s because Berkshire Hathaway has a track record few other money managers can match. Over the last 55 calendar years, Berkshire Hathaway’s stock rose at more than 20.3% annualized pace, versus 11.8% for the S&P 500. More than 20% annually for 55 years! In my opinion, this is one of the best investments of a lifetime. The best stock to invest in is BRK.B. I ask you to research Berkshire Hathaway, if you haven’t already, and add your comments below. 

Berkshire Stock With A 18.6% Annualized Return Since 1965 Versus S&P 500 With A 11.8% Annualized Return. Photo credit: https://svencarlin.com/berkshire-vs-sp-500/

Berkshire Hathaway Publicly Traded Portfolio

Below are the publicly-traded U.S. stocks owned by Warren Buffett’s holding company Berkshire Hathaway, as reported to the Securities and Exchange Commission in filings made available to the public. There are times when Berkshire asks for, and receives, the SEC’s permission to temporarily withhold data on some stock holdings.

Update March 2020. With the Covid-19 pandemic creating uncertainty around the world, it is unsurprising that many may have seen their top stocks underperform the benchmark indexes. Investing legend Warren Buffett is no exception. Indeed, it is reassuring that Berkshire Hathaway has managed to find value in this volatile environment.

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Many investors regularly look at investor Warren Buffett’s top holdings to see what they are and then to do their on research and decide if they like the value of these stocks. Berkshire Hathaway current top holdings by size are Bank of America, Apple, Coca-Cola, Kraft Heinz, American Express, Verizon, U.S. Bancorp, and General Motors.

Warren Buffett’s investment strategy is to build a portfolio of blue-chip companies with strong balance sheets, and then to hold this stock in BRK.B and invest with the right orientation over a long time frame. Apple is Berkshire Hathaway’s largest portfolio holding, comprising 49.1% of the portfolio. In addition, Buffett has held shares of Coca-Cola since the late 1980s; the company accounts for about 8.6% of Berkshire Hathaway’s portfolio. Furthermore, in 2011, Buffett began investing in Bank of America when Berkshire Hathaway purchased in a private offering 50,000 shares of the company’s preferred stock at a liquidation value of $100,000 per share.

Despite his unparalleled success, Buffett’s investment model has always been transparent, straightforward, and consistent. Fundamentally, he invests in fairly-priced, high-dividend paying blue-chip companies that feature strong balance sheets. Buffett buys such stocks with the intent to hang onto them over the long haul.

Listed below are the public and private businesses that add up to the best stock to invest in, which, in my opinion, is BRK.B.

Publicly Traded FIRMS Thru March 31, 2020

Company’s A Through L

  • Amazon (AMZN) Holdings: 537,300 shares; Value: $1.3 billion
  • Apple (AAPL) Holdings: 250.9 million shares; Value: $76.2 billion
  • American Express Co. (AXP) Holdings: 151.6 million shares; Value: $13.2 billion
  • Axalta Coating Systems (AXTA) Holdings: 24.3 million shares; Value: $460 million
  • Bank of America Corp. (BAC) Holdings: 947.8 million shares; Value: $21.7 billion
  • Bank of New York Mellon Corp. (BK) Holdings: 88.13 million shares; Value: $3.1 billion
  • Biogen (BIIB) Holdings: 648,447 shares; Value: $250 million
  • Charter Communications (CHTR) Holdings: 5.4 million shares; Value: $2.8 billion
  • Coca-Cola Co. (KO) Holdings: 400 million shares; Value: $18.4 billion
  • Costco Wholesale Corp. (COST) Holdings: (COST) 4.3 million shares; Value: $1.3 billion
  • DaVita (DVA) Holdings: 38.1 million shares; Value: $3.1 billion
  • General Motors Co. (GM) Holdings: 75 million shares; Value: $1.8 billion
  • Globe Life (GL) Holdings: 6.3 million shares; Value: $484 million
  • Johnson & Johnson (JNJ) Holdings: 327,100 shares; Value: $48.7 million
  • JPMorgan Chase & Co. (JPM) Holdings: 60.1 million shares; Value: $5.6 billion
  • Kraft Heinz Co. (KHC) Holdings: 325.6 million shares; value $9.6 billion
  • Kroger (KR) 18.9 million shares; Value: $628 million
  • Liberty Global (LBTYA, LBTYK) Holdings: 19.8 million shares of LBTYA, 7.3 million shares of LBTYK; Combined value $586 million
  • Liberty Latin America (LILA, LILAK) Holdings: 2.7 million shares of LILA, 1.3 million shares of LILAK; Combined value: $39.4 million
  • Liberty Sirius XM Group (LSXMK, LSXMA) Holdings: 31.1 million shares of LSXMK, 14.9 million shares of LSXMA; Combined value $1.5 billion

COMPANY’S M THrough W

  • Mastercard (MA) Holdings: 4.9 million shares; Value: $1.4 billion
  • Moody’s Corp. (MCO) Holdings: 24.7 million shares; Value: $6.2 billion
  • Mondelez International (MDLZ) Holdings: 578,000 shares; Value: $29.2 million
  • M&T Bank Corp. (MTB) Holdings: 5.4 million shares; Value: $560 million
  • Occidental Petroleum (OXY) Holdings: 36.2 million shares; Value: $526 million
  • Procter & Gamble Co. (PG) Holdings: 315,400 shares; Value: $36.5 million
  • PNC Financial Services Group (PNC) Holdings: 9.8 million shares; Value: $1 billion
  • Phillips 66 (PSX) Holdings: 227,436 shares; Value: $17.2 million
  • Restaurant Brands International (QSR) Holdings: 8.4 million shares; Value: $432 million
  • RH – Restoration Hardware (RH) Holdings: 1.7 million shares; Value: $268 million
  • Sirius XM Holdings (SIRI) Holdings: 136.3 million shares; Value: $775 million
  • StoneCo (STNE) Holdings: 14.2 million shares; Value: $396 million
  • Store Capital Corp. (STOR) Holdings: 18.6 million shares; Value: $372 million
  • Suncor Energy (SU) Holdings: 15 million shares; Value: $256 million
  • Synchrony Financial (SYF) Holdings: 20.8 million shares; Value: $383 million
  • Teva Pharmaceutical Industries (TEVA) Holdings: 43.2 million shares; Value: $498 million
  • Traveler’s Companies (TRV) Holdings: 312,379 shares; Value: $30 million
  • United Parcel Service (UPS) Holdings: 59,400 shares; Value: $5.6 million
  • U.S. Bancorp (USB) Holdings: 150.1 million shares; Value: $5.2 billion
  • Visa (V) Holdings: 10.6 million shares; Value: $2 billion
  • Verisign (VRSN) Holdings: 13 million shares; Value: $2.8 billion
  • Wells Fargo & Co. (WFC) Holdings: 345.7 million shares; Value: $8.8 billion

Berkshire Hathaway Privately Owned Companies

  • GEICO, Gen Re, NRG, Berkshire Hathaway Assurance
  • Utilities and Energy Group:
  • Berkshire Hathaway Energy and Northern Powergrid
  • Manufacturing, Service and Retailing:
  • Recreational vehicles: Forest River Inc.
  • Clothing: Union Underwear Corp., Fruit of the Loom, Garan, Fechheimer Brothers, Russell Corporation, H.H. Brown Shoe Group, Acme Boots, Brooks Sports, Justin Brands, Chippewa, Justin Boots, Justin Original Workboots, Nocona Boots, and Tony Lama Boots
  • Building Products:
  • Acme Building Brands, Benjamin Moore & Co., Johns Manville, MiTek Inc., Shaw Industries, Inc., Clayton Homes Inc.
  • Flight Services:
  • FlightSafety International Inc., and NetJets Inc.
  • Retail:
  • Nebraska Furniture Mart, RC Willey Home Furnishings, Star Furniture Company, Jordan’s Furniture, Inc, CORT Business Services, Ben Bridge Jeweler, Helzberg Diamonds, The Pampered Chief, Ltd., See’s Candies, Dairy Queen, Orange Julius, Karmelkorn, Oriental Trading Company, and Pilot Flying J
  • Media:
  • Buffalo Evening News, Buffalo Courier-Express, Business Wire, Omaha World-Herald, Richmond Times-Dispatch, Winston-Salem Journal, The Eagle, Waco Tribune-Herald, Tulsa World, Greensboro, North Carolina-based News & Record, Virginia’s Roanoke Times, Press of Atlantic City, and ABC affiliate WPLG
  • Real Estate:
  • Berkshire Hathaway’s Energy’s HomeServices of America, Home Capital Group Inc., Store Capital, and Clayton Group
  • Other Non-insurance:
  • From 1986 to 2003: Albecca Inc., CTB International Corp., McLane Company, Scott Fetzer Companies including: Kirby Home Cleaning Systems, Wayne Water Systems, Ginsu Knives, and World Book Encyclopedia.
  • In 2007: acquired TTI, Inc, and Marmon Group
  • In 2014: Berkshire Hathaway Automotive created through the acquisition of Van Tuyl Group; acquired Duracell from Procter & Gamble in an all-stock deal.

Finance and Financial Products

Clayton Homes

Investments

  • Russell Corporation including Spalding NBA Official Basketballs, and BIKE Athletic Company
  • Lubrizol Corporation
  • Preferred stock in Wrigley
  • Goldman Sachs
  • GE
  • Burlington Northern Santa Fe Corporation
  • Indian insurance BerkshireInsurance.com
  • H.J. Heinz Co.
  • Berkshire owns 1.74 million shares of Gannett, and Precision Castparts Corp.
  • 2020: Berkshire added a position in the Q2 2020 of 20 million shares in mining company Barrick Gold
  • 2020: Q3 2020 agreed to buy Dominion Energy’s natural gas transmission and storage operations.
  • Between September 2019 and August 2020, Berkshire purchased more than 5% of the outstanding stock of each of the five largest Japanese general trading companies: Itochu, Mitsubishi, Mitsui Sumitomo, and Marubeni.

The Rich Didn’t Get Wealthy By Investing In Stocks

Have you ever wondered how the wealthiest investors in the world became wealthy? For example, if you look at Warren Buffett you might think that the wealthiest investors in the world enjoyed their success due to wise investing decisions.

However, despite the fact that the best stock to invest in is BRK.B, the reality is that Warren Buffett is a rare exception. Buffett’s investment returns over the decades have been nothing short of phenomenal. His investments over the years are the reason for his success. While replicating his success might not be possible, you can emulate his strategies to become a successful investor.

One of the primary reasons for Buffett’s success has been his ability to recognize the deeper value behind a company. The best stock to invest in is BRK.B, but understand that Warren Buffett invests in businesses that he understands and knows that the inherent value of the business is more than its evaluation at the time of investing. As a result, all the work that Warren Buffett and his team of people do will add up to the best stock to invest in, which is BRK.B.

Create A Product Or Service To Add Value

Contrary to popular belief, the wealthiest investors did not use stock market investing to find the best stock to invest in such as BRK.B in order to maintain the wealth they had already acquired. Almost all of them made their wealth by starting companies that were very successful or some have received an inheritance.

I invite you to read my FinancialGoodness.com: About The Writer and scroll down to “Think of Knowledge As A Tree.” One of the entrepreneur’s I have studied is Ryan Daniel Moran.This entrepreneur realized that you have to strategically position yourself to create value in service to other people. Please read my blog on how to Build Unlimited Wealth With Money’s Untold Truth. To summarize this article, find the biggest problem you can think of and then solve that problem. You have to create a product or a service that people really want and then think of a way to deliver it to them. This is the secret for creating unlimited wealth.

Imitate Strategies Of Successful Investors

Once your business is profitable, you can then use some revenue to maintain your wealth that you have acquired over the years. You can then imitate the strategies of successful investors. In this way you can use your wealth by investing in wise investment moves in the stock market. The combination of these two strategies, of having a profitable business and then investing in the markets, is really the best way to maintain and to increase your wealth over time.

Consequently, have you ever thought about the relationship between money and wealth? Specifically the fact that money is just paper with a number on it. Nevertheless, people have equated money to value.

In the end, perhaps this was never about the money. Let’s face it, it was all about the freedom that you were looking for. Accordingly, if you make wise investments you will have the ability to do whatever you want, whenever you want. Thus I am talking about your choice of freedom.

This is the dream of freedom that you were seeking all along. Truly I challenge you to do it and have the courage, the belief, and the strength to make this your reality! When you do this, you will have completely conquered how to build unlimited wealth with money’s untold truth because now you know the secret to having a lifestyle of richness.

Conclusion

I hope you enjoyed my research on the best investment to make. If a stock market crash happens again or a big dip occurs, the long-term buy and hold value stock is apparent to me. My years of research tell me again and again that the best stock to invest in is BRK.B.

To conclude, I like the peace of mind that the BRK.B stock has with it. In the same way, I can invest in BRK.B and rest good every single night. In the final analysis, I know that the leading management at Berkshire Hathaway will look after my investment and make sure it grows slowly over time for years to come.

“An investment in knowledge always pays the best interest.”

– Benjamin Franklin

Matthew 7:8 NLT. For everyone who asks, receives. Everyone who seeks, finds. And everyone who knocks, the door will be opened.

Last Updated on April 13, 2024 by Financial Goodness

Financial Goodness

George Alexander Roy III and our team are experts in helping you to seek wealth through investing and tips on how to succeed. Join us at FinancialGoodness.com to increase your knowledge through education in the areas of personal finance, real estate, and investments. George has been an owner of a real estate investment business that focuses on wholesaling, fix & flip, and long-term buy-and-hold property strategies with a consistent increase of annual revenues. Consequently, as an entrepreneur, researcher, writer, and speaker he has sought the truth in everything he does, no matter how difficult. Hopefully this value and service will help each person achieve their financial freedom sooner.

Real Estate Investing Strategies That Work Every Time

Stack of $100 US dollar banknotes. Photo credit: depositphotos.com

Real Estate Myths

Updated April 13, 2024. There are a lot of myths in real estate investing. One of these myths is the most successful real estate professionals have perfect timing. However, if you think of this, it is absolutely not true. This would mean that these “professionals” buy when the economy is down and sell when the economy hits the absolute peak. Well this my happen sometimes, but the vast majority of the most successful real estate professionals apply specific strategies that always work. Here are three real estate investing strategies that work every time.

Three Strategies That Work

These three real estate strategies are: residential rentals; wholesaling; and fix and flip. These three strategies are among the most popular real estate strategies that produce consistent results regardless of the timing. Think about this for a moment, when you are doing your best financially it is usually in a good economy. Why? The prices of real estate are going up. For example, right now in January 2020 the prices of real estate are trending higher.

The Secret For Real Estate Guru’s Timing

The question is: how can you time it so that you can buy when the prices are low and sell when the prices are high? Well…

You can’t do it. It doesn’t make any sense unfortunately. You cannot take advantage of something like that. Clearly, you are not in that type of situation. If you think about it, it is really impossible to predict the future six months or a year from now.

The Future Is Not As Certain As The Past

Everyone knows the past. But how about this: right now are we in a real estate bubble? Some will say yes and others will say no. The point is no one has a crystal ball and can predict the future. No one really knows until we can look back six months or a year from now and can see what really happened.

What makes these strategies so important is that regardless if you have enough money in your pocket, and regardless if you can time the market, you can do these three strategies to increase your wealth.

Gain More Wisdom As Time Passes

As you get older you get smarter. You gain wisdom, knowledge and understanding. So with each year you are better and have more tools to be a real estate investor. Therefore, with each potential year you can apply the wisdom you have gained so you can apply it quickly to each house or apartment.

These three strategies will transform the way you look at real estate investing in the future. That way you can apply them at any moment in time. Then with more experience you will get better and better at them over time and become successful.

Here Are The Three Real Estate Strategies

Let’s get back to the three real estate strategies. This is my blueprint of the three real estate investing strategies that work every time and in any market. So our strategy is a combination of residential rentals, wholesaling and then balance that with rehabs to resell.

Residential Rental

The first one is rentals. But more specifically we am talking about residential real estate where people live in the property. People always need a place to live in good times and bad times. Typically when the economy goes down more people will rent. Residential rentals will always work if the numbers work. In fact, buying rentals will increase a person’s wealth more than any other strategy out there. If you do this correctly, are you ready to be a millionaire??!!

Need For More Capital

But the problem with rentals is that you need money. You need money for the down payment, money to fix up the house in some cases, money in the form of something like a line of credit so that if a tenant doesn’t pay you have to pay the mortgage temporarily while you evict and the related legal fees.

Wholesaling

This is where wholesaling comes into place. You put a property under contract directly from the seller. There are no agents listing the house on the MLS, these are off market deals. You go directly to the seller and made a deal.

Then you need to resell the property to a retail buyer or an investor. Basically you’re getting the property under contract at a wholesale or lower price and then you sell the property to another investor or at retail. Look to buy single family residences if possible. We recommend single family houses because they are the most plentiful. But depending on your market this could be apartments or condos. Here is the good news, in this real estate market right now, this strategy is working very well!

Right now, after 2018 and 2019, when a lot of people made money in the stock market, people are looking at real estate after the shakiness they saw in 2019 in the stock market. A lot of these people are in there 50’s or 60’s and are looking to invest their money wisely and some are looking to park their money in real estate.

When selling the wholesale properties, look for what are called sucker buyers. These are people that will offer you the most for the house that you have under contract. These people are willing to pay ever more for the house than you know it is worth.

If the dollar value from these buyer’s is the best price for the house, ask if they have all the documents to do a mortgage with a lender. Also, be sure to ask if they have approval for a mortgage. Obviously time is of the essence.

90% Of Investors Only Do 1 Deal

Have you heard that over 90% of real estate investors do one deal only? One deal! This means that only 10% are doing one deal after the other. The 90% may have lost money or not make much money. These 90% come in and buy one house. They go fix it up themselves. Then they realize it was a lot harder and a lot more work than they thought. Then guess what? They go and move on to something else in life.

So these 90% are always new people every time you wholesale a house. Can you believe it?! Remarkably this is very much the case. Therefore, take advantage of this never ending source of retail buyers!

Wholesaling Will Always Work

Wholesaling will always work because there will always be new people wanting to buy houses to fix them up. On top of this, houses are always deteriorating over time. For example: bad roofing, exteriors, the look of the houses is constantly changing, floor styles, paint colors, kitchens, bathrooms, etc.

Houses always need to be remodeled on a consistent basis. Always. If the houses are not constantly being maintained and improved, then the house becomes more difficult to sell and falls into the wholesaling category.

There are people that are looking to buy real estate thinking they are going to get rich quick. You absolutely cannot lose if you buy these wholesale houses at the right price. These three real estate investing strategies that work every time are a no-brainer, win-win-win situation!

Fix & Flip / Rehab And Resell

The third way to make money on houses is fix and flip or it is also called rehab and resell. This is where you buy the house, fix it back up and resell it. The reason why this always exists is again the fact that residential real estate is always deteriorating. Once you buy the house and get everything in your home, generally people are reluctant to fix everything.

For one thing, it is expensive, and it is a difficult task when you have all of your stuff in the house already. So the majority of people that buy homes normally don’t fix them up continuously to keep the market value increasing as the housing that are looking to be resold.

Look For Distressed Properties

There are always going to be deals in the real estate markets. One reason for these deals is that something happened that is completely separate from the market. These are what we call personal issues. A perfect example of this is a grandparent passes away and deeds the property to a son or daughter.

In case the son or daughter is extremely happy, but a lot of the time the son or daughter is broke financially and doesn’t have the money to handle this house. Often the son or daughter just wants money and they want it right now.

To top it off, the person who owned the house originally hasn’t done repairs in a long time. The house is old and outdated. This is a personal issue that is always going to exist. There will always be people passing away. This creates a consistency that will always need to be filled.

You may have the question of “What if I am in a market that is no longer hot. When people are no longer selling their houses for top dollar. Properties are sitting on the market longer. How do I buy a property and make sure I can do the rehab and resell and still make a profit?”

First of all, it is very important that you move quickly. You have to have all of your contractors lined up and ready to go. If you are not in a position of rehabbing the property in one to two months and get the property back on the market, you want to consider wholesaling.

Put Houses Back On The Market Quickly

So be careful about sitting on a property. One thing is fixing the property as fast as possible. The other factor is how fast you sell the property. You need to put the property on the market for as low of a price as possible. By doing this, you can generate instant offers. It has got to be fast. The rehab and resale of the property will always work consistently as long as you move fast.

If you need to get permits and other government documents you better consider your options. Sometimes the government is going to take months to approve things. That will slow down progress substantially. If you work on a property for six months, let me ask you a question. Do you know what is going to happen six months down the road? The answer is no. I have no idea what the economy is going to be like six months in the future.

Sometimes you can get fortunate when the market continues to go up. You can make a lot of mistakes in the last few years and still come out nicely when the market continues to go up and you have been able to fix your own problems. But now certain market in the upper price points things are not like that anymore. Builders have built enough inventory. An example is the coastal markets in the United States, especially in the west coast where prices have leveled off when you get up above the prices for affordable houses. You tend to see a lot more inventory in the luxury house markets, so be careful.

Do All Three Strategies To Create Wealth

There are a lot of myths in real estate investing. However, the vast majority of the most successful real estate professionals apply specific strategies that always work. We hope you liked my blueprint of the three real estate investing strategies that work every time.

What is nice about wholesaling is that you have a lot less risk. The problem with wholesaling is that you don’t make as much money. You will make a fraction of the price that someone is going to pay in the end to own the house. When you buy a property wholesale, then rehab and resell the property you are selling to a retail buyer. Retail buyers pay the most money. So you can make more profit.

But wholesaling has less risk. So a strategy that works very well is a combination of wholesaling and then balance that with rehab to resell. This way you are always flipping properties. With this strategy you can build up enough cash and capital so that you can start buying some residential rental properties. The residential rentals can then create long-term wealth.

What popular articles and blogs do you recommend?

Further Reading on FinancialGoodness.com: For more articles and blogs on real estate investing, check out our guides to Boost Your Rental Property Cash Flows and the Best Real Estate Strategies To Make 7 Figures. These strategies will help you build wealth as a real estate entrepreneur.

If you are interested in Becoming A High Net Worth Individual, please read my blog and watch the YouTube video by a fancinating guy named Andrew Hendersen, founder of Nomad Capitalist. He believes that the world has changed forever and says it’s time for you to “go where you’re treated best.”

These three real estate investing strategies that work every time are the keys that have made real estate investors very wealthy. They are the win-win-win strategy to real estate wealth. I have made very nice profits with these property strategies and I am sure you can too. Until next time, best wishes!

Last Updated on April 13, 2024 by Financial Goodness

Financial Goodness

George Alexander Roy III and our team are experts in helping you to seek wealth through investing and tips on how to succeed. Join us at FinancialGoodness.com to increase your knowledge through education in the areas of personal finance, real estate, and investments. George has been an owner of a real estate investment business that focuses on wholesaling, fix & flip, and long-term buy-and-hold property strategies with a consistent increase of annual revenues. Consequently, as an entrepreneur, researcher, writer, and speaker he has sought the truth in everything he does, no matter how difficult. Hopefully this value and service will help each person achieve their financial freedom sooner.

About The Writers

About The Writers – Long Version

Updated April 13, 2024. Hello, my name is George Alexander Roy III. I would like to share a summary of About The Writers.

I started Financial Goodness in November 2019. Many years ago, I started working as a home builder and remodeler. Eventually, I earned my master’s degree in Real Estate Finance and Development from the University of North Carolina Charlotte. Most importantly, I envisioned helping people achieve their financial freedom sooner. Basically, I realized that I had the discipline to write about my favorite subjects consistently and I decided to go for it!

It is now a pleasure that our team has agreed to help in writing the blogs and the management of running the website FinancialGoodness.com. I am very thankful for the support. Please join us at FinancialGoodness.com to increase your knowledge through technology and education in personal finance, real estate, and investments. 

As a result, we are looking forward to increasing the information, value and the number of the blogs that we have available for our readers. At the same time, we understand that people search the internet daily for solutions to the many problems that we face on a regular basis.

If you would like to know more about the writers, please read the other blog About The Writers.

Create Wisdom and Knowledge by Reading & Learning

Here is a brief summary of myself, George Roy III. In short, I was determined to achieve and finish the impossible dream of earning a bachelor’s degree. Previously, I tried college after I completed high school. However, I was not sure of my direction and I doubted myself. As a result, I started working as a residential construction assistant and I did a tour in the US Navy. However, I was not very clear on what to do in life.

Nevertheless, after a while it became clear that I needed more in-depth classes if I really wanted to excel in life. So, I decided to go back to school. In particular, I made the decision to go all out and I dedicated myself to doing my very best at it. To make a long story short, eventually I did it.

At first I went to Corning Community College in Corning, NY. There I completed a math and science concentration and graduated with “High Disnstinction” honors after achieving a 4.0/4.0 GPA. Finally, I had earned my Associates Degree and prove I could do it! Right away, I applied to a handful of schools to complete my bachelor’s degree.

About the Writers – Discover Your Niche

I am so thankful and honored that I was accepted at Cornell University. With an acceptance rate of only 10.6%, Cornell is set apart in the fact that it was founded on principles of access and inclusion. In addition, I am thankful to graduate from an institution where the fields of study are so broad. It was definitely a challenge to choose from the awesome assortment of classes each semester.

Furthermore, I discovered I have a huge interest in environmental problems like global warming, air pollution, urban sprawl, waste disposal, ozone layer depletion, water pollution, climate change and many more issues that effect every human, animal, and nation on this planet.

I graduated from Cornell University in Ithaca, NY, with a Bachelor of Science degree in human development from the College of Human Ecology in 2004 with a 3.61/4.0 GPA. In addition, it was a privilege to be on the Dean’s List.

After graduation, I moved to the Charlotte, NC area to be an entrepreneur and start an eco-friendly window business New Windows For You. I managed and grew the sales of the eco-friendly window replacement business by 300% by implementing a multi-faceted business development, marketing and advertising program. Particularly, that marketing and advertising program communicated the energy conservation and utility cost savings associated with Energy Star rated insulated windows. I managed and operated this business for two years.

Surround Yourself With Intelligent People

However, having built and remodeled houses in Upstate New York, I was always watching the real estate market around the Charlotte, NC area for potentially great wholesale deals to flip. when I found a deal, I would purchase the house and then do a full renovation on the house and then put the house back on the market as a completely remodeled home to sell. I was grateful that my homes could compete head-to-head with the new homes that were for sale on the MLS.

The best thing about doing investments on houses was: I loved it! I had so much energy and enthusiasm that I was excited to get out of bed and give it my best effort each day.

Started A Residential Real Estate Company

In June 2006, I started the day-to-day operations of a residential real estate acquisition and redevelopment company.  Specifically, I carried out a strategic plan through marketing and network relationships to buy, renovate, and resell distressed residential off-market and pre-foreclosure houses.

In 2012, I decided to work on completing my Master of Science in Real Estate (MSRE) part-time at the University of North Carolina at Charlotte. Since 2012, I have maintained the LEED Green Associate credential for demonstrating green building expertise in green design, construction, and operations. I graduated in 2015 from University of North Carolina at Charlotte with a master’s degree in real estate finance and development with a GPA of 3.58/4.0.

Travel Experience In Rio de Janeiro

Part of the real estate master’s degree program included an international city study tour. In the summer of 2013 our class visited Rio de Janeiro, Brazil. As part of the tour, everyone had to do an in-depth research report on a topic that interested them. I was extremely interested in the emerging markets in Brazil, but also in the other emerging markets in other countries from South America as well. My research report was entitled “Managing the Regulatory Environment When Participating in Real Estate Development Projects in the Emerging Markets in Brazil.”

The emerging markets in 2013 in Brazil were impressive, with multi-national companies setting up temporary headquarters in Brazil with the Summer Olympic Games that would start in 2016. A number of real estate companies were busy constructing temporary apartments and building multi-sport structures for the events.

Moving To Colombia, South America

My wife is originally from Colombia, South America. Even though we met in the USA, I was curious to see what the real estate emerging markets looked like in other countries in South America, specifically Colombia.

My family made the big decision to move from Cahrlotte, NC to the area of Bogota (Bogotá), Colombia, South America in December 2015. Fortunately, my family had just completed paying for a small condominium / apartment in the new apartment building on the site where my wife’s parents live in Colombia, South America.

Previously, we had torn down the old house on a plot were my wife’s family used to live and converted the lot to a new three story condominium building. As a result, we now live in an apartment in the apartment complex that we had built in Mosquera. Mosquera is right outside Bogotá, the capital of Colombia, in a city to the west of Bogota.

Consequently, living in Colombia, South America, there are a number of positive factors including a booming economy, rising tourism, and an expanding middle class that translates into amazing real estate investment opportunities in Colombia. I will delve into these real estate topics in forthcoming articles.

Think Of Knowledge As A Tree

Recently I have been reading and listening to a lot of entrepreneurs. One of those entrepreneurs is Ryan Danial Moran. This guy is a genius. He said in a recent YouTube video presentation:

“You have to have a stake in the upside of something. The way that you have the upside is through ownership. You have to claim something as yours, or nothing ever changes. When people start looking for money, they see people as the barrier to the money. This is not how it works. The world does not reward that. What the world rewards is service to one another. Creating things that are of value to other people. As a result other people will voluntarily want to pay for that thing. There is no system, no hack, and no step by step process.”

“Except for this. Strategically position yourself to be always in the position of creating value in service to other people. If you want to make a lot of money, the way that you operate in service to other people is to look at what they are paying attention to. In the form of their time, their resources, and their dollars. And you go create where that attention is. You create a product, a service, an opportunity, content, and you create value. Create connection and relationships. You create FOR PEOPLE.”

These are some awesome words of wisdom! The world rewards service to others by strategically positioning yourself to create value in service to other people…. True wisdom.

Discover Your Passion In Life

So here we begin. Welcome to my blog. To sum everything up in the About The Writers section, our goal is to write about a multitude of financial topics that will help each person to achieve their financial freedom sooner. But more importantly, discover your passion. Passion is what motivates you to do the things you love and then do something extraordinary. Therefore, I challenge you to something extraodinary with the time you have on Earth.

Best wishes to all!

About The Writers: George Roy III – Short Version

My Past Resume

*Worked hard and received my bachelor’s degree from Cornell University studying human development.

*Received my master’s degree from the University of North Carolina at Charlotte in real estate finance and development.

*I learned a long time ago to never, ever give up. If it looks like you are facing an uphill battle, dig in deep and find every resource that can give you an edge. Then start progressing toward your goal until you finally achieve it.

*I like to write about the topics that interest me the most. These topics include: real estate; attractive financial products; the stock market; renewable energies and design solutions to rethink energy while protecting the environment; and retirement planning. Also I will keep the options open if another topic related to financial goodness looks like it could use more contemplation.

*Lived in three different countries: USA; Canada; and Colombia, South America. As of 2019, I have visited the beautiful cities of Rio de Janeiro, Brazil; Medellin, Colombia; London, England; Paris, France; and Madrid and Barcelona, Spain.

* In the USA, I have lived in Corning, NY; Orlando, FL; San Antonio, TX; Los Angeles, CA; Ithaca, NY; and Charlotte, NC. On the west coast, I have explored San Francisco, Santa Barbara, Los Angeles, San Diego, and Las Vegas. On the east coast, I have visited Lake Placid, NY; Boston, MA; New York City; Washington D.C; Wilmington, NC; Myrtle Beach, SC; Charleston, SC; Atlanta, GA; Savannah, GA; Fort Lauderdale, FL; Deerfield Beach, FL; Miami, FL; and St. Petersburg, FL. I have toured the beautiful city of Boulder, CO at the foothills of the Rocky Mountains.

*In Canada, I have seen Toronto; Halifax; and St. John’s, Newfoundland. In Mexico, I scuba dived in Cancun and Cozumel.

My Current Resume

*English is my native language. Gradually been improving my Spanish since my family moved to Colombia, South America in December 2015.

* My family currently lives in Mosquera, next to the capital of Bogota.

*Reading the news every day to see what is happening in the world.

* 14+ years of well-diversified real estate experience in the areas of project and asset management, acquisition, investment, strategic planning, development, and property ownership.

*I love physical fitness and have been an avid power lifter ever since I first held a weight at 15 years old.

*Go to the gym two to three times a week where I focus on weights and cardio exercises.

*Have a mountain bike and enjoy taking it off-road to see this beautiful Earth that we call home.

*I was the victim in May 2014 in a carjacking aggravated assault with an unknown gunman. I almost died. I spent five months in hospitals where I worked on regaining my health. My connection to God was forever strengthened as a result of this tragic incident. As Denzel Washington said in delivering a commencement speech “put God first” in everything you do. As a result, I put God first in all my decisions.

*I am a morning person. I sleep well every night. When I wake up I have a lot of energy each day to work on making my goals in my mind a reality. After lunch I usually rest for 30 to 60 minutes to get my energy back.

*Dad to our daughter in 2008. Don’t see my son from first marriage, so I pray for him every day.

*Love entrepreneurship and am fascinated by the potential opportunities that surround us every day.

*Launched Financial Goodness (FinancialGoodness.com) in November 2019. Wanted to create value and help people achieve their financial freedom sooner.

About The Writers: Contact Info And Address

Please feel free to contact us for radio; podcasts or written interviews; or other advertising or telecommunications opportunities.

We look forward to helping a reporter or a broadcaster out with local or regional news conference(s).

We use teleconferencing to hold discussions between participants in separate cities or in different countries. Familiar with the various technologies such as Zoom, WebEx, YouTube video blogs, and Live Video Stream on Facebook. We look forward to creating more services that are of value to you.

Writers Email:

admin at financialgoodness dot com ( Please DO NOT add me to your blast lists)

Writers Mailing addresses:

Currently, we am living in Colombia, South America but the US mailing address is much more reliable.

Writers USA address:

Please send us an email at admin at financialgoodness dot com and ask for our USA address.

Writers Colombian address:

We currently reside in Mosquera, Cundinamarca, Colombia. Therefore, if you live in Colombia or surrounding countries and would like to send mail directly to us, send us an email so we can coordinate a courier service.

Best,

George Alexander Roy III – “Seeking Wealth Through Investing”

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Last Updated on April 13, 2024 by Financial Goodness

Financial Goodness

George Alexander Roy III and our team are experts in helping you to seek wealth through investing and tips on how to succeed. Join us at FinancialGoodness.com to increase your knowledge through education in the areas of personal finance, real estate, and investments. George has been an owner of a real estate investment business that focuses on wholesaling, fix & flip, and long-term buy-and-hold property strategies with a consistent increase of annual revenues. Consequently, as an entrepreneur, researcher, writer, and speaker he has sought the truth in everything he does, no matter how difficult. Hopefully this value and service will help each person achieve their financial freedom sooner.