The Impact of Spiritual Gifts on Individuals and How They Can be Affected
Spiritual Gifts
A gentle breeze whispers through the trees,
Caressing souls touched by mysteries.
For those with a spiritual gift,
The world holds secrets, their spirits uplift.
In quiet moments, they sense the unseen,
The ethereal realms where dreams convene.
They feel the energy, the cosmic flow,
Guiding them on a journey they must follow.
Nature's beauty holds a sacred sway,
Enchanting them in its mystical display
The rustling leaves, the sun's warm embrace,
Stirring their spirits, revealing grace.
The stars above, a celestial choir,
Ignite their spirits with celestial fire.
They glimpse beyond this earthly realm,
Where divine messages overwhelm.
Their dreams are windows to another plane,
Unveiling truths that others cannot attain.
Guided by intuition's guiding light,
They navigate life with insight so bright.
Though burdened by the weight of what they know,
Their gifts empower them to help others grow.
With open hearts and hands held tight,
They share their wisdom, bringing inner light.
So cherish those with a spiritual gift so rare,
For they are guardians of truth beyond compare.
Their presence in our lives is a blessed treasure,
Guiding us towards our own spiritual measure.
About the Creator
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This Is How You Can Buy Real Estate with Little or No Money (once in a lifetime)
and I finally one day I got upset I said well when are you going to teach me about money he says what do you think we're doing we're playing Monopoly he goes no no no no what do you think we're doing we're playing monopolies what do you think we're doing so I don't know I'm teaching about money just like Robert kiyosaki's Rich Dad says four greenhouses equal one red hotel in Monopoly the objective is to acquire properties develop them with houses and hotels and generate income from rent the more properties and improvements you have the higher your potential earnings similarly in real life investing in real estate offers an opportunity to grow your wealth exponentially Financial intelligence is the key to Building Wealth it's not just about how much money you make but how effectively you generate and manage cash flow real estate can be a powerful asset for creating consistent cash flow and today we'll show you how to make it happen even if you have limited or even better zero money to begin John hates Monopoly because he never wins he doesn't understand how real estate works and he's afraid of debt but today that's about to change stick with us throughout the video as we reveal the tips and tricks from Robert Kiyosaki and how you can buy real estate with literally no money and maybe you could be the winner of your own Monopoly game I mean life so very simply said assets put money in my pocket liabilities take money from my pocket and then this here is so I'm not saying don't buy a house but here is a house that I could and I started when I was 25 bought my first house it was an apartment it was an investment property I didn't live in it I rented it out and it put money in my pocket before we get into how you can buy real estate with literally zero money let's differentiate between assets and liabilities if we need to summarize the topic assets are investments that put money in your pocket while liabilities take money out of your pocket your personal residence may be a liability due to ongoing expenses but rental properties can be assets that generate income to explain the situation even better let's take a look at an example imagine you have a personal residence that costs you two thousand dollars per month in mortgage payments property taxes insurance and maintenance this property is where you live and while it provides you with shelter it doesn't generate any income now let's consider a rental property suppose you invest in a rental property that you can acquire with a mortgage and the total monthly expenses including the mortgage payment property taxes Insurance maintenance and Property Management fees amount to fifteen hundred dollars as a landlord third you decide to rent out the property for twenty five hundred dollars per month after deducting the fifteen hundred dollars in expenses you're left with a positive cash flow of one thousand dollars per month in this scenario your personal residence is a liability as it costs you two thousand dollars per month which is money flowing out of your pocket on the other hand the rental property is an asset generating income of one thousand dollars per month which is money flowing into your pocket now that we understand assets and liabilities it's time to learn deeply about debt before I can show you how to buy real estate with zero money when thinking about debt as a concept lots of negative and depressing thoughts come into mind but should they Robert Kiyosaki introduced the concept of good debt and bad debt good debt is when you borrow money to acquire assets that generate cash flow and bad debt is the money you borrow to buy a new iPhone imagine this you come across a beautiful duplex property in a prime location the purchase price is two hundred thousand dollars but you don't have all the funds available instead of dismissing the opportunity you decide to tap into the concept of good debt as introduced by the renowned Financial expert Robert Kiyosaki you approach a lender and secure a mortgage for 80 percent of the property's value which amounts to one hundred sixty thousand dollars this is the borrowed money that will enable you to acquire the property and potentially generate cash flow with the duplex now in your possession you rent out both units each for fifteen hundred dollars per month after accounting for expenses such as mortgage payments property taxes insurance and maintenance costs let's say your total monthly expenses come to twenty five hundred dollars here's where the magic of good debt comes into play the combined rental income from both units adds up to three thousand dollars per month after deducting the twenty five hundred dollars offenses you're left with a positive cash flow of 500 per month now let's break it down you're essentially using the borrowed money to acquire an asset the duplex property that is generating cash flow the rental income you receive covers the property's expenses and even leaves you with a positive cash flow it's a win-win situation could that puts money in your pocket could a credit card be a good debt well it just depends what you spend the money on right so if you spent it on something that's going to produce income for you like an asset then it's good debt but if you spend it on let's say a jacket that you wanted from Burberry then it's not gross property there it was in Maui Hawaii in the 1970s I bought it with a credit card wow property Was Eighteen thousand dollars my first prefer but I've taken several real estate classes and so I knew what to look for I found this one property took a long time when I found it I just broke out my credit card and bought it and it put 25 in my pocket it went from this little dinky little thing this is years ago 25 dollars it was good debt I wish I never sold it I don't you know there was a big mistake to sell it because today is probably worth four or five hundred thousand and um that's a whole other story so far we've learned about assets liabilities good debt and bad debt but in order to understand and to continue our journey on how to buy real estate with zero money there's another concept that we need to make ourselves familiar with maybe the most important one and it's called net operating income and capitalization rate net operating income or noi and capitalization rate or cap rate play Vital roles in real estate noi is the income generated from a property minus expenses which banks evaluate to determine loan amounts the cap rate helps determine a property's value based on its noi net operating income and capitalization rate are fundamental concepts in the realm of real estate investment let's take a closer look at each of these factors and their significance net operating income represents the income generated from a property after deducting all operating expenses is it's a key indicator of the property's profitability and cash flow potential to calculate the noi you subtract expenses such as property taxes Insurance maintenance costs management fees and vacancies from the property's total income it's particularly important when it comes to obtaining financing for Real Estate Investments Banks and financial institutions evaluate the noi to determine the loan amounts they're willing to provide a higher noi indicates a greater capacity to generate income and repay the loan increasing the likelihood of securing financing for your real estate Ventures capitalization rate is another crucial metric used in real estate valuation it's a percentage that represents the relationship between the property's net operating income and its overall value the cap rate helps investors assess the return on investment or Roi and determine the property's Worth to calculate the cap rate you divide the properties noi by its current market value the resulting percentage indicates the rate of return an investor can expect to earn on their investment based on the property's income generating potential for example if a property has an noi of fifty thousand dollars and is valued at one million dollars the cap rate would be five percent fifty thousand dollars divided by one million dollars this means that an investor can anticipate a five percent return on their investment annually the cap rate serves as a benchmark for comparing different investment opportunities and assessing their relative value a higher cap rate suggests a potential higher return on investment while a lower cap rate may indicate a more stable and desirable property but with a lower return by understanding and analyzing the net operating income or noi and capitalization rate or cap rate of a property investors can make informed decisions about their real estate Investments these metrics provide valuable insights into a property's financial performance and help determine its attractiveness as an investment opportunity now here's the concept that you've all been waiting for after Mr kiyosaki's explanation we will reveal the six steps on how to buy a house with zero money it may sound like a Cheesy scheme but here it is making infinite money without using any money okay so what we're going to talk about today is an infinite return and very simply as you have your real Financial education you'll never need money and you'll never pay taxes but they don't teach that in school and by the way we're you know I've been working with the real estate guys for 20 years now and Tom and I will be on their Summit at Sea and this year the theme is the infinite return so I vegan there's only there's only a few spaces left on the cruise but many of my advisors will be with me on that with time and I on this cruise and the whole theme is how you make money with nothing because you don't need money to make money it's one of the biggest lies and when people say that money doesn't make you happy while working in a job you hate doesn't make you happy and paying a lot of tax doesn't make me happy so to be able to do that we need to understand leveraging debt as complex as it sounds it's actually pretty simple leveraging debt in real estate refers to using borrowed funds such as a mortgage or a loan to acquire a property the idea behind leveraging debt is to use other people's money or OPM to finance the purchase rather than solely relying on your own funds by doing so you can amplify your potential returns and accelerate your wealth building process here are the six steps on how leveraging debt can lead to infinite returns one borrowing money when you secure a mortgage or loan to purchase a property you're leveraging debt this means you're using a portion of your own funds along with even better of banks funds to finance the property make an appointment with your bank advisor and ask him or her how you can increase your credit rating two proving the prop property after acquiring the property you have the opportunity to increase its value through improvements in renovations this might include upgrading the kitchen adding extra rooms or enhancing the overall Aesthetics and functionality three increasing net operating income or noi as you improve the property you can potentially increase its rental income or occupancy rates by doing so you're boosting the property's net operating income noi is calculated by subtracting operating expenses such as maintenance costs property taxes and management fees from the property's income four refinancing once you've completed the property improvements and increased the noi you can approach the lender to refinance the property refinancing involves obtaining a new loan that pays off the original mortgage and it allows you to tap into the property's increased Equity to understand this even better imagine a real estate investor who purchased a rental property a few years ago over time he made significant improvements to the property increasing its net operating income and boosting its overall value now he decides to take advantage of the increased Equity through refinancing he approaches his lender and presents the property's improved financial performance and the subsequent rise in its value after a thorough evaluation the lender agrees to refinance the property they offer him a new loan that pays off the original mortgage while providing him with access to the property's increased Equity 5. recouping initial investment the refinanced loan amount can be equal to or higher than the property's initial purchase price depending on the new appraised value if the refinanced loan covers or exceeds your initial investment including the downed payment and renovation costs you essentially get your initial investment back six ongoing ownership and cash flow after refinancing you still retain ownership of the property and continue to generate rental income at this point the rental income surpasses the mortgage payments operating expenses and Debt Service resulting in positive Cash Flow by employing this strategy you've effectively recouped your initial investment while still owning the property the cash flow generated from rental income can now be considered infinite returns because you're no longer using your own money to generate profits real estate investing also offers significant tax benefits debt repayment is considered tax-free and you can deduct expenses in depreciation reducing taxable income it's a win-win situation for investors it's important to note that leveraging debt carries risks and it requires careful analysis market research and financial planning now let's debunk the myth that real estate is a slow lane approach to wealth while it's not a get rich quick scheme real estate provides stability and consistent cash flow it offers long term wealth building potential that can transform your financial future you should always consider real estate as a viable investment option but not the only one check out our video where we cover the four assets that Robert Kiyosaki thinks are safer than cash
By devayan pal10 months ago in Chapters
Muses & Musings
Welcome to my new series, a weekly blog on what’s inspiring me. I spent much of last week in bed with a stomach bug. I’ll spare you the details of that—but in addition to the grotesque physical symptoms, I had some fever dreams I won’t soon forget. Imagine my surprise to see Vocal’s newest challenge: Write a fiction story about a recurring dream or nightmare.
By Davina Zinn McKee7 days ago in Journal
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