Your Money Is Losing Value | DO THIS NOW

Date: 2020-08-07 05:23:47

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Lets talk about Inflation so that you can understand exactly what’s going on, how this works, what this means for you, and how you can USE THIS INFORMATION to – most importantly – not lose any money. Enjoy! Add me on Instagram: GPStephan

Thank you Grant for the watch! His channel here: https://www.youtube.com/user/wgnavarre

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Now, what initially caught my attention was this headline right here:
“The Fed is expected to make a major commitment to ramping up inflation soon”
https://www.cnbc.com/2020/08/04/the-fed-is-expected-to-make-a-major-commitment-to-ramping-up-inflation-soon.html

Well…all of it really comes down to a term known as DEFLATION. This is, as you would expect…the OPPOSITE of inflation. This is what happens when the price of everything around us GOES DOWN, and all of a sudden – the longer we wait to buy something, the cheaper it becomes because our money has more purchasing power.

In a DEFLATIONARY economy, the prices of goods and services are going DOWN…so, every month, things become cheaper to buy, and if you just HOLD ON to your money…you’ll feel good knowing that it’ll be worth MORE the longer you DON’T SPEND IT.

BUT what REALLY ends up happening is that people just STOP spending money, because they know that money is just going to go up in value, so they hold off from buying anything. That causes demand for those goods and services to drop, which further causes people to spend less money, which causes businesses to scale back because they aren’t making as much money, which causes people to lose their jobs or take reduced salaries, and now because they don’t have as much money to spend, they don’t spend anything…and that sends everyone into another, far deeper recession.

Inflation, on a small, controlled scale…is a REALLY, REALLY GOOD THING. If people know their money is going to be worth just SLIGHTLY LESS in the future…it’s going to incentivize them to spend it, because if they wait too long – their money is going to be worth less. That’s good for our economy, it’s good for business, and it’s good for wages because employers can generally afford to pay a little more as their revenue increases a little more over time.

In the SHORT TERM, deflation could very well happen because businesses are shut down, people are still stuck inside, and no matter how much money the FED introduces into the economy – there needs to be a viable way for people to spend it, otherwise if you print money and just hold on to it – it’s almost as though it doesn’t exist. OR…if you have nowhere to spend it, and you just INVEST your money instead…then the INVESTMENTS begin to rise in value.

That leads ME to believe that the BEST thing to do in the SHORT TERM is make sure you have enough saved up to cover 6-9 months worth of your expenses as an emergency fund, preferably held in a high interest savings account – and then, just continually invest consistently into REAL assets like stocks and real estate that should rise on par with inflation long term. That’s it. Some people also say GOLD…but I’m still not a fan of precious metals LONG TERM, and since I’m a long term investor – I like something I can hold on to for 20-30 years and not worry about it under-performing.

But remember, in the short term – anything is possible, and the stock market is just as likely to go down as is it to go up – I have no idea, I’m not psychic, and timing the market like this is a terrible idea. BUT…given the last 100 years of data available to us…investing in the markets over a 20 year period has never ONCE produced a negative result, and that’s likely the best choice of action if you believe we’re going to see much quicker inflation once our economy begins re-opening.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

THE 2020 STOCK MARKET BUBBLE | HOW TO INVEST NOW

Date: 2020-08-19 21:26:02

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The Stock Market is now back in a bull market after experiencing the shortest bear market in history – this is what that means and how you should invest from here – Enjoy! Add me on Instagram: GPStephan

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The Average Bear Market lasts just under 1.4 years, with an average loss of about 41%… throughout history – there are ALWAYS going to be times that prove to be an outlier, and most of the time – the market is never just going to follow “the average” every time.
https://www.getrichslowly.org/wp-content/uploads/29562781417_6390f05cd0_c.jpg

The previous bear market record holder before TODAY was back in 1990, where the markets dropped about 20%…and then rebounded within 3 months, leading us through a VERY strong bull market for the following 8 years.
https://awealthofcommonsense.com/2018/12/the-forgotten-bear-markets/

But, that doesn’t mean that JUST because we’ve entered a bull market that we’re going to see a run up in the markets for another 48+ months…if we start going back in history, things get VERY interesting…since 1940, the shortest Bull Market we have EVER HAD was just after the Dot Com bubble where the markets rose 21.4% over 3.4 months, before then declining another 33.8% during the FOLLOWING 9 months.
https://www.ftportfolios.com/Common/ContentFileLoader.aspx?ContentGUID=4ecfa978-d0bb-4924-92c8-628ff9bfe12d

During the 1920s and 1930s, there are plenty of examples bull markets lasting just DAYS…like, a 23 DAY LONG Bull market, with a 25% gain. After that, there was a 42% drop…followed by another 1 months of a bull market going back up 30%…although, if we remove the volatility and simply base things off of a 6 month rolling time period…the shortest UNINTERRUPTED BULL MARKET we’ve had was 2.5 years.
https://www.cascadefs.com/wp-content/uploads/2019/01/Bull-and-Bear-Markets-9-28-18.pdf

So, just given this context…even though, on average, bull markets do LAST LONGER than bear markets…history has shown us that volatile could absolutely exist, and seeing drops or gains of 20% in either direction isn’t as uncommon as you would think along the way.

After that – lets talk about APPLE and TESLA STOCK SPLIT. So, why, all of a sudden, are stock splits sending the price even higher?

Well…honestly, it’s for a few reasons – but the easiest, most likely answer is that it’s PURELY PSYCHOLOGICAL, and investors feel like the stocks have more potential of making money the cheaper they are. As for whether or not stock split companies have a history of continuing to rise in price…the answer is, it’s unclear. Generally, stocks only split when they’ve seen a large increase in price, and they believe their stock will continue to grow in value…but, also, NOW, a stock split seems to me like a reason for people to pile in, creating the self-fulfilling prophecy that it will go up because others will buy it.

Finally – de-listing of NON US Companies on the stock exchange. The US wants to put strict regulation on what companies we can invest in, because they’re concerned that US Investors would be at risk of potential issues. When it comes to this, I’m a believer that transparency and openness IS EXTREMELY important when it comes to investing in a company – and there SHOULD be third party, verifiable audits if they’re a publicly traded company. But, right now – there isn’t a way for us to do that on a wide scale, HERE.

Depending on who you ask, this might be a move in the right direction for further transparency and it could weed out some of the bad apples – but, it also sets the precedent that everyone must comply with these regulations, otherwise you won’t be listed on the US Stock Exchange.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

How To Retire by 30 Years Old | Starting with $0

Date: 2020-07-22 21:09:37

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Here is your step by step guide to learning how to retire by 30 years old – Enjoy! Sign up to Morning Brew for free today: https://cen.yt/morningbrewgraham Thanks! Add me on Instagram: GPStephanAdd me on Instagram: GPStephan

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First thing to know: The FIRE Movement
This stands for Financially Independent Retired Early, and it’s a community of people who dive into the analytics of EXACTLY what you’ll need to be able to retire at any age.

All you need to know for retirement comes down to a few things:
How much money do you NEED to spend every year, how much do you CURRENTLY have saved, and lastly – how much money do you currently make? If you know the answers to those 3, it’s going to tell you EVERYTHING you need to know to be able to retire by 30.

To start, how much money you SPEND is going to be the most important variable of this entire calculation.
Generally speaking, if you’re under 30 years old and you want your your money to last you INDEFINITELY without ever running out – you’ll need to only spend 3% of what you have invested, each year.

Now, how much you spend is going to GREATLY influence how much you’ll need to retire…because, for every $100 per month the spend, you’ll need $40,000 invested in order for that $100 per month to last you forever.

NEXT – HOW MUCH MONEY DO HAVE SAVED UP AND INVESTED?
Whatever that amount is…divide that by 33, and that’s how much income your investments will be able to replace. From there, you’ll need to do the super easy math to figure out how much more you’ll need in order to retire…all you need to do is take how much money you spend every year, multiply it by 33…and however much that is, is how much money you’ll need before you can call yourself “Retired.”

This is based on what’s known as the Trinity Study, which analyzed the investment portfolios of stocks and bonds throughout every year in history, and calculated how much you could spend from your investment throughout a 30 year retirement – and that study found that you can spend 4% of your portfolio every year, and still have that money last you 30 years.

However, a 30 year retirement isn’t going to be long enough if you plan to start that retirement at 30 years old…so, in order to preserve more capital so you can retire for a longer period of time…a 3% withdrawal rate was recommended.
https://thepoorswiss.com/updated-trinity-study/
https://www.thebalance.com/how-much-can-you-withdraw-from-your-retirement-portfolio-453997

And finally – the last factor in the equation – how much money do you currently make?
This is going to determine how long it’s going to take you to hit your target retirement number, and whether or not you’ll have to earn more money to get there sooner.

HOW TO GET THERE: SAVING MONEY.
The Blogger MrMoneyMustache did the calculation for us, and found out how many years you’ll need to work in order to retire compared to how much money you save. Using the 4% rule, he determined that – if you save and invest 70-90% of your income, you would be able to effectively retire within 10 years of working.

Practically, if you want to do this by 30 years old – you’ll either have to MAKE A LOT OF MONEY, or you’ll need to SPEND VERY LITTLE MONEY – but, assuming you guys just want to make a whole bunch of money as fast as possible to be able to retire, I’ll give you the honest run down on MAKING AS MUCH AS POSSIBLE:

Your BEST SHOT at being able to retire by 30, and make a LOT of money, is to work a job that pays you based on YOUR RESULTS, not how much TIME you put in. And at the end of the day – if you want to make a LOT of money just to be able to retire quickly – de-couple the idea that the more time you work, the more money you make – because that’s very much NOT true, at all.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

How To Make Passive Income with $500

Date: 2020-07-29 17:05:42

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Here are the best ways to begin making passive income with as little as $500 – and where you can invest this to grow over time. Enjoy! Add me on Instagram: GPStephan

LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): https://act.webull.com/k/Vowbik9Tm5he/main

The YouTube Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF

JOIN THE WEEKLY MENTORSHIP – https://the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/

THE NEW PODCAST: https://www.youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kw

My ENTIRE Camera and Recording Equipment:
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One, Invest $500 within an Index Fund.
This is just an investment you can make that covers a WIDE variety of stocks or markets – and you can buy a small piece of that for a very low price. You can make passive income two ways – the first is through the stock price going up over time, and the second is through their DIVIDENDS.

Second, we’ve got another method for earning a LITTLE more passive income if you want to take a little more risk – and would be through buying individual dividend stocks.
BUT…as with anything…with reward comes risk…so, the more money you have the potential of making…the more you have the potential of LOSING….and even though a stock might have a high dividend, it doesn’t guarantee the price of the stock won’t end up going down if the company doesn’t perform well. So, keep that in mind and invest safely in companies with strong fundamentals – all of this is meant to be a long term investment.

THIRD….another way you can invest $500 for passive income is by buying a REIT.
Think of this one like, instead of buying a stock in a company like I just mentioned earlier…you’re buying a stock in a real estate portfolio. Real estate investment trusts basically pool money from investors, buy up properties within a certain category, and then pay out a portion of their rental profit as a dividend.

The FOURTH way you can make passive income by investing $500 is by paying off high interest rate debt.
Consider this like you’re #1 investing decision if you have any interest rate above 5% or so that isn’t a tax write off….PAY IT DOWN WITH $500.

HOWEVER…If you also have TIME on your hands and you want to take a very ACTIVE role in making WAYYYYYY more money with $500 – there are a few other options:

The first way you can invest your $500 is to go after sign up bonuses.
Both credit cards and banks will give you a “bonus” for opening an account with them and meeting some minimum requirements…usually, that bonus is anywhere from $50 to $200, and it usually takes about 30 minutes of work to complete.

The next way to make passive income by investing your TIME alongside with $500 is…oh man…you know I’m going to say it…. making a YouTube channel.
I still maintain that this CAN be a great way to make money IF you have a passion for talking to yourself…alone in a room…in front of a camera…and then getting frustrated when your editing software freezes and crashes…but if you can handle that and stick with it, YouTube CAN be more rewarding than your wildest imagination.

From there, you can sell a product or a service that doesn’t involve any further time on your end…for example, I created a program called The YouTube Creator Academy.
Even though it took a LOT of work upfront and a LOT of trial and error to get something to the point where it was worthy of selling it…NOW, it runs on its own, and will likely continue running on its own for the foreseeable future.

You could expand your passive income sources through blogs, websites, and so on through affiliate marketing.
This is the practice in which you are marketing someone else’s product, and you get paid a commission every time you get a sale.

The last way you can make passive income with $500 is to use that towards creating an online business that you can eventually run on autopilot – or without a lot of time on your end.
Using this money towards something like THIS would be a fantastic use of your time…and, the experience you get from a $500 will help you in so many other areas of your life beyond just this.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

How To Make Passive Income with $500

Date: 2020-07-29 17:05:42

×

Here are the best ways to begin making passive income with as little as $500 – and where you can invest this to grow over time. Enjoy! Add me on Instagram: GPStephan

LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): https://act.webull.com/k/Vowbik9Tm5he/main

The YouTube Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF

JOIN THE WEEKLY MENTORSHIP – https://the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/

THE NEW PODCAST: https://www.youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kw

My ENTIRE Camera and Recording Equipment:
https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB

One, Invest $500 within an Index Fund.
This is just an investment you can make that covers a WIDE variety of stocks or markets – and you can buy a small piece of that for a very low price. You can make passive income two ways – the first is through the stock price going up over time, and the second is through their DIVIDENDS.

Second, we’ve got another method for earning a LITTLE more passive income if you want to take a little more risk – and would be through buying individual dividend stocks.
BUT…as with anything…with reward comes risk…so, the more money you have the potential of making…the more you have the potential of LOSING….and even though a stock might have a high dividend, it doesn’t guarantee the price of the stock won’t end up going down if the company doesn’t perform well. So, keep that in mind and invest safely in companies with strong fundamentals – all of this is meant to be a long term investment.

THIRD….another way you can invest $500 for passive income is by buying a REIT.
Think of this one like, instead of buying a stock in a company like I just mentioned earlier…you’re buying a stock in a real estate portfolio. Real estate investment trusts basically pool money from investors, buy up properties within a certain category, and then pay out a portion of their rental profit as a dividend.

The FOURTH way you can make passive income by investing $500 is by paying off high interest rate debt.
Consider this like you’re #1 investing decision if you have any interest rate above 5% or so that isn’t a tax write off….PAY IT DOWN WITH $500.

HOWEVER…If you also have TIME on your hands and you want to take a very ACTIVE role in making WAYYYYYY more money with $500 – there are a few other options:

The first way you can invest your $500 is to go after sign up bonuses.
Both credit cards and banks will give you a “bonus” for opening an account with them and meeting some minimum requirements…usually, that bonus is anywhere from $50 to $200, and it usually takes about 30 minutes of work to complete.

The next way to make passive income by investing your TIME alongside with $500 is…oh man…you know I’m going to say it…. making a YouTube channel.
I still maintain that this CAN be a great way to make money IF you have a passion for talking to yourself…alone in a room…in front of a camera…and then getting frustrated when your editing software freezes and crashes…but if you can handle that and stick with it, YouTube CAN be more rewarding than your wildest imagination.

From there, you can sell a product or a service that doesn’t involve any further time on your end…for example, I created a program called The YouTube Creator Academy.
Even though it took a LOT of work upfront and a LOT of trial and error to get something to the point where it was worthy of selling it…NOW, it runs on its own, and will likely continue running on its own for the foreseeable future.

You could expand your passive income sources through blogs, websites, and so on through affiliate marketing.
This is the practice in which you are marketing someone else’s product, and you get paid a commission every time you get a sale.

The last way you can make passive income with $500 is to use that towards creating an online business that you can eventually run on autopilot – or without a lot of time on your end.
Using this money towards something like THIS would be a fantastic use of your time…and, the experience you get from a $500 will help you in so many other areas of your life beyond just this.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Revealing The INSANE Perks of The $10 Million Dollar Credit Card

Date: 2020-06-26 15:23:14

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Today we’re going to review the $10 Million Dollar JP Morgan Reserve Credit Card and how it compares to its competition – Enjoy! Add me on Instagram: GPStephan

LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): https://act.webull.com/k/Vowbik9Tm5he/main

JOIN THE WEEKLY MENTORSHIP – https://the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/

THE NEW PODCAST: https://www.youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kw

The YouTube Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF

As it is now, the JP Morgan Reserve annual fee is $450 per year – and for that, here’s what you get:

1: You’ll get a $300 per year travel credit that automatically reimburses you for ANYTHING travel related.

2: You’ll also get a $120 Statement Credit For Doordash Deliveries, and free DashPass for 2 years – which is worth another $120 per year.

3. You’ll also get 1 year of complimentary Lyft Pink when you activate the service using your card – and that’s a $240 value.

4. Next, you’ll also get free priority pass lounge access for yourself and up to 2 guests anytime you travel – and this has a minimum value of $99 per year, all the way up to $399 per year depending on how much you travel.

5. Now, even better than that…one of the unknown perks of this card that I didn’t even know about when I signed up until someone told me…was that it comes with FREE United Club Membership when you request membership over the phone.

6. Sixth, you’ll also get complimentary global entry or TSA PreCheck which works out to a $100 statement credit every 4 years.

And 7th through 15th…you just get a whole bunch of other perks and services, like up to $10,000 worth of trip cancellation, complimentary rental car insurance, complimentary roadside assistance, lost luggage reimbursement, free hotel upgrades and services, and even free medical and emergency dental benefits when you’re more than 100 miles away from your home.

Now, in terms of EVERYTHING ELSE though – and how it compares with OTHER credit cards out there – from my experience, it’s definitely BETTER and it has a LOT of improvements – but, it’s not something that’s so crazy or hyped up to be a “$10 million dollar credit card.”

For example, let’s compare it to the Chase Sapphire Reserve. To get this card, it’ll cost you $550 per year…pretty much anyone can get it if you have a thorough credit history…and it has NEARLY THE EXACT SAME BENEFITS as the JP Morgan Card.

The American Express platinum also costs $550 per year…but, some of its benefits are a little more niche.

For instance, instead of giving you a broad travel credit…they’ll just give you a $200 airline credit towards incidentals that you can redeem through one airline of your choice. You’ll also get complimentary Centurion Lounge Access anytime you travel. American Express will also reimburse you $15 per month in Uber Expenses, and that increases to $20 in December. You’ll also get $100 per year to spend towards Saks 5th Avenue.

They’ve also just recently added on a $20 per month free streaming credit that you could use towards Spotify, YouTube Premium, Netflix, or anything like that through the rest of the year…and a $20 per month Phone Credit when you pay your phone bill through the American Express Card.

Even though the JP Morgan card is almost identical to the Chase Sapphire Reserve…this does come out ahead. It’s got more benefits, a lower annual fee, and better customer service. It’s REALLY easy for this card to pay for itself almost immediately, and everything after that as profit.

My ENTIRE Camera and Recording Equipment:
https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Inside a $10,000,000 Custom Hollywood Home with UNDERGROUND TV

Date: 2020-06-30 04:24:31

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Here is a tour inside the $10 Million Dollar home of Jason Oppenheim from Selling Sunset and owner of The Oppenheim Group – Enjoy! Add me on Instagram: GPStephan Add Jason on Instagram: JasonOppenheim

LIMITED TIME: Get 2 FREE STOCKS ON WEBULL when you deposit $100 (Valued up to $1400): https://act.webull.com/k/Vowbik9Tm5he/main

JOIN THE WEEKLY MENTORSHIP – https://the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/

THE NEW PODCAST: https://www.youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kw

The YouTube Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF

My ENTIRE Camera and Recording Equipment:
https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

BREAKING: THE NEXT STIMULUS CHECK CONFIRMED | ALL DETAILS REVEALED

Date: 2020-07-28 20:44:44

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The next Heals Act Stimulus Package and Stimulus Check were just announced, so here is the proposal, exactly what’s in it, and how this impacts you – Enjoy! Add me on Instagram: GPStephan

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This is known as the HEALS Act – It stands for Health, Economic Assistance, Liability Protection, and Schools – and, you guessed it – that’s what this is going to cover.

In this, it’s been nearly confirmed that, YES, there will be another round of checks to be sent out in the HEALS Act. The current outline would provide the SAME payments as previously, so everyone who got a stimulus check LAST TIME would most likely just get another stimulus check.

In order to be eligible for the full amount, you’ll need to earn $75,000 or less as a single filer, or less than $150,000 as a married couple – and every $100 you make over that amount reduces your payout by $5. You’ll also receive an extra $500 per dependent.

Next, we’ll need to talk about – arguably – the most important and pressing matter of the stimulus package, and that would be the extension of the unemployment benefits.

According to the NEW HEALS plan, the unemployment benefits will be CONTINUED, but they’ll be reduced from $600 per down down to $200 per week through September. After that, states will replace the unemployment maximum at 70% of a workers previous pay – meaning, anyone claiming unemployment benefits won’t be making more money than they’ve made from their job, and they’ll now be making almost a third less until they get back to work.

This stimulus package is also going to closely examine the Paycheck Protection Program, and continue it further – BUT, it’s going to limit who can apply by only opening this to companies with 300 or fewer employees who have seen a quarterly revenue loss of more than 50% – which, makes some sense – they want to make sure this goes to the businesses that need it the most, and that’s a decent way of doing it.

Besides that, the HEALS act also aims to shield businesses, doctors, and schools from lawsuits – The bill will also provide $105 billion towards helping schools reopen, and $30 billion of that would be allocated towards Colleges. It also includes another $16 billion to increase testing, and another $26 billion towards new developments and treatments.

It also allows for 100% deductibility of business meals…whereas, right now that deduction is worth 50%. Finally, the bill also includes some additional tax credits and deductions for upgrades to the workplace that allow for operates to run safely. This might include spacing out desks, putting up more protection between people, and so on. And there’s also employee retention credits for employers to keep staff on payroll.

But, as for the timeline on this – it’s a little unclear, exactly. We know that they’re PUSHING for a finalized bill to be put into effect by August 7th, because after that – they’re going on recess until September 7th. But assuming it gets passed before then, we’ll likely see new stimulus checks being dispersed in late August.

Everything else between now and then is all negotiation. The next step is that this is going to be re-negotiated and slightly modified, although what we see now is going to be the BASE from which more things are added on to this…it was even implied that it might be an option just to pass this now, and then see what else is needed in the future.

There’s going to be a LOT of new developments this week, but the GOOD news is that a new stimulus package looks pretty much guaranteed to happen, it’s almost confirmed that there will be a second round of stimulus checks the same as the last time, and that unemployment benefits WILL be extended – although it’s going to be a reduced rate.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Why I’m Finally Spending Money

Date: 2020-08-24 01:22:08

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Here’s a breakdown of EXACTLY how much I spend every month, my philosophies on saving money, and how my spending has changed in 2020 – Enjoy! Add me on Instagram: GPStephan

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BREAKDOWN:
Car Insurance: $125 per month
Gym Membership: $0 Per Month (Temporarily)
Health Insurance: $230 Per Month
Phone Bill: $70 Per Month
Internet: $75 Per Month
Utilities: $260 Per Month
Gardener: $150 Per Month
Food / Dining Out: $400 Per Month
Other: $200 Per Month
Housing: $7700 per month (Not including rents, equity, tax write offs, etc)
Tesla Model 3 Car Payment: $630 (Not including equity, tax write offs, etc)

Business Expenses:
Teachable: $99 per month
Insurance: $150 per month
S Corp / LLC Filing Gees: $150 per month
Tax Filing Fees: $200 per month
Zoom, Storage, etc: $100 per month
Credit Card Annual Fees: $130 Per Month
Full Time Help / Jack: $7500 Per Month

So, when it comes to everything…these are two big main takeaways that I have learned throughout all of my experiences saving and investing, it just comes down to this:

First, I only view my income as not how much I make, but instead – how much that money makes ME.

For example, if I earn $10,000…I don’t see that as $10,000…instead, I’d see that as $50 per month in passive income when I invest that money into buying a rental property at a 6% return. By that logic, if I’m able to invest $50,000…that’ll cover the basic grocery bill for pretty much the rest of my life. If I can get $350,000 invested in a rental property…that’s enough passive income to cover a 1 bedroom apartment in Los Angeles in a good area. And at $1 million invested…that’ll replace the average annual salary from most full time employees. I challenge you to start thinking the same way, as well…this will make the aspects of saving and investing so much easier, and over time – you can replace all of your expenses by having your money do all the work for you.

Second, beyond the essentials…I only try to buy things that I can put to work that will make more money, or can be seen as an investment.

For example, I consider the computer that I’m editing on right now to be a good use of money, that helps expedite the work I do. Or, buying an extra camera to film on so I could get a second angle for The Graham Stephan Show…or, paying extra to create a brick veneer for the background of my videos so they’re more visually appealing…or, even something like this house that I bought, I find it much more relaxing to work outside and come up with new content – and when I feel more at ease, I tend to produce better quality. If you can find a way to coordinate your expenses around things that will help INCREASE your productivity or income, it can be absolutely worth it.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

STOCK MARKET REACHES ALL TIME HIGH | DO THIS NOW

Date: 2020-08-14 19:46:58

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The SP500 just recently reached on its all time high – here’s why this happened and whether or not it’s too late to invest in the stock market – Enjoy! Add me on Instagram: GPStephan

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For an index like this, the index is weighted by a companies TOTAL market value….so, the more valuable the company is, the more influence that company has on the ENTIRE SP500. Something like this is REALLY, REALLY important to understand – because out of the top 500 publicly traded companies…the 5 LARGEST ones make up more than 20% of it’s ENTIRE VALUE…those companies, in order, are Apple, Microsoft, Amazon, Facebook, and Google…Then, the other 495 companies make up the remaining 75% of the value.
https://www.slickcharts.com/sp500

When you look at the breakdown of the SP500 over the last 12 months…you’ll notice that MORE THAN HALF of these companies are DOWN year over year…or, 298 out of 500 to be exact. So, when you see that almost 300 companies have LOST value…but, the SP500 still continues rising higher…it makes you realize that, all of a sudden, those smaller companies in the index don’t matter as much because they don’t hold as much value, relative to the larger stocks in the index…and THOSE are the stocks that are doing really, REALLY well.
https://www.finscreener.com/screener/top-gainers/stocks/sp500?&o=14

Well…as far as what this means, and what you can do with all this information…the answer is…you just keep buying. The best strategy for most of you watching is to invest in an index fund, like the SP500….that way, you’re buying into 500 different businesses and you’re MORE than diversified across dozens of different industries, even IF 20% of that is still led by 5 companies…and THEN, almost don’t pay attention to where it’s trading, as long as you make a schedule and invest consistently long term. That’s it.

It’s more important to realize that stocks will almost ALWAYS, CONSISTENTLY, hit new all time highs over and over again as these companies continue to grow. EVEN if you invested RIGHT before the Great Recession in 2007 at SP500 1557…sure, in hindsight, you lost money short term…but that’s assuming you only invested ONCE and never again. The reality is that, most likely, you would continue to buy in every month…thereby buying in CHEAPER AND CHEAPER every time you buy more. You would be buying the market ALL THE WAY down to the very bottom, and riding it all the way back up as the market recovers.

Plus, instead of being FEARFUL about drops in the future…you should look forward to them, in a way. When there’s such an intense correction, see it as though you’re getting a discount on EVERYTHING. From my experience…the best days to buy more are ALWAYS those days you feel like throwing in the towel because prices keep dropping. OR…every time you think “oh, I’ll wait because it’ll drop even more” – that’s usually a good sign you should buy now.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.