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Video as a means of presenting your organization has become increasingly important. Effective video has always been a powerful method of delivering a message, but in the past it was limited to specific occasions or limited audience presentations.

Of course, to be an effective message there are many components. The overall storyline and message provide structure, flow, and impact. The script or cut of voiceovers and interviews should support the plot and flow. Images may be a combination of film footage, interviews, still photography, graphics, and figures presented through animation and illustrations. Music and ambient sounds bring life and, whether carefully selected or written specifically for the video, pack an emotional punch and flow. Be sure to include a closing video that has a specific “Call to Action” and a link to your website or a specific web page where people can take action: participate, donate, volunteer, join, or whatever is appropriate.

Once your video is produced, there are now many options and places to get it out to your target audience. You can put the video on DVD and use it in your media press kit; you can send the dvd as thank you to sponsors and donors – or send to encourage new donors and sponsors. You can create a web version of the video and play it on your own website. Drive new traffic and audience by creating a channel for your organization on YouTube and be sure to add keywords, categories, descriptions, and links from your website. Be sure to use a full range of marketing communications mix to harness the full power of the web. Post articles about why you made the video, press releases for partners and sponsors who collaborated with you on the production. Add posts to your blog. Email your customers, partners and affiliates and ask them to watch the video online and send the link to your list to create viral interest.

You can follow the action from your own website’s tracking statistics, on YouTube check INSIGHTS to show the geographic distribution and what other sites are linking to the video. You want to encourage this as all of these methods broaden the reach of your message.

Now, however, video has gone mainstream and is an effective part of the marketing mix. Videos can now be used to reach a wide audience. If you want to educate, inform, activate, promote your cause, videos are now a primary method to help you do it.

This blog Looking Ahead to 2009: 10 Predictions for Online Video has some interesting insights into past and future scenarios for video. So what’s in store for web video in 2009? Here are ten things you can expect to see in the next twelve months.

An impactful video can be an important part of your communications plan.

Since the vast majority of homeowners, especially first-time homeowners, use a mortgage as an important component to fund the purchase of a particular property, common sense should dictate that insuring your home is essential. CREDIT it is of a quality that makes it creditworthy and capable of qualifying for the necessary financing. Buying a home is a complex, complicated and important process that, for most people, represents not just a place to live, but their main financial asset. With that in mind, this article will attempt to briefly examine, consider, and review, using the mnemonic approach, why this is important and some things to consider.

1. Money in hand; creative; to consider: Buying a home requires a considerable amount of cash on hand, even when you use a mortgage. This includes money needed for a down payment, closing costs, necessary reserves, and generally at least 6 months, the monthly payment is required by many lenders. Homebuyers must have the creativity and vision to consider whether a particular property is right for you and whether the bonesof the house, make it a smart decision.

2. Bookings; reside; region; good for you: Do you have the necessary reserves needed, both as required by the lender, and for repairs, renovations, etc.? Will it be a place, that you want, to reside? Always consider, after looking at the pros and cons, if a particular house is right for you!

3. Exists; Excellence; Energy: Will a particular property enhance your focus on doing more than just existing and instead pursuing what you consider to be the utmost excellence? The right house should energize your existence!

Four. deepen; discover; deduct: Start the process by digging into your financial picture. Purchase your free copy of your credit report and check for bad areas, etc., and fix them before you begin your search. Find out as much relevant information as possible and look to deduce what might be necessary to make it more credible.

5. Picture; imagination; incentives; perspectives: For most, their own personal image directs them to a particular house. You need the imagination, to balance what is, with the possibilities and the potential. Check out which lenders might be offering incentives and if you qualify or what you need to do! It’s your personal insights that make the biggest difference!

6. Prompt: Is this the right time to buy a house? Are you prepared, emotionally and financially? Are mortgage interest rates favorable and are all your personal finances set and organized for improvement? Once you discover home, will you be ready, willing, and able to take timely and well-considered action?

consider you CREDITand do everything you can to improve your credit rating. If you want to buy a home, it’s important to start, prepare, and be ready.

Living with your paycheck can present challenges, especially when you need instant cash in situations that really can’t wait until your next payday. Running out of cash isn’t uncommon, but when an emergency strikes, you’ll need that boost, and it can sometimes be hard to come by. This is where payday loans come into the picture to rescue the situation. They are quick loans that offer short-term financial support until the next paycheck.

Payday loans come with different payment terms depending on which provider you settle for, but the truth is, you’re more likely to pay off in as little as two weeks. Of course, they can be paid on the spot and attract interest. The total amount that you can enjoy the loans can be determined by your salary and the financial situation in which you are. They have become very popular, but the least you can do before opting for one is to familiarize yourself with the benefits and risks of taking them.

Payday Loan Benefits

• These loans are useful in emergency financial situations and are quite discreet. You don’t have to worry about your close friends and family knowing about your financial crisis when you can easily access payday loans discreetly.

• The loans can be enjoyed with any collateral requirement. All you need to do is fill out a simple application form for an appraisal and you qualify for a reasonable short-term loan. You can actually enjoy no credit check payday loans where the lender does not rely on your credit history to give you the financial assistance you need. As long as you have a salary to pay the loan, you qualify for it.

• Loan processing is quick and easy so you can access money when you need it most. You don’t have to worry about lengthy loan processing processes when it comes to short-term loans. Sometimes it may only take a few hours for your application to be approved and funds to be channeled to you. This is something that you can’t really say with bank loans.

Payday Loan Risks

• Loans do not offer ideal coverage for long-term financial issues. They are best suited for urgent funding shortfalls for workers, and continually relying on them can mean more financial trouble for some.

• Since the loans do not require any collateral or good credit, they tend to have very high interest rates. If you’re not very careful when choosing a lender, you could end up with a loan that’s too difficult to repay.

• They can hurt your credit score when you miss a payment and incur penalties. Some lenders may not require a clean credit history, but these are loans and failure to pay can negatively affect your credit score. It is something that can affect access to financing even from banks and other long-term institutions.

When looking for a payday loan, it’s important to first assess the financial crisis you’re in to determine if a short-term loan is what you really need to fix it. Sometimes you may need some major spending changes to address your financing need. It is best to stick to loans only when you absolutely have to get one and when it is the only reasonable financial solution at the present time. Take the time to compare lenders for the best loan and payment terms to suit your financial situation.

Small businesses cannot ignore the power of direct mail marketing and email marketing. Of course, both have their advantages and disadvantages. But, both are efficient and profitable.–effective way to find new customers, make new sales, upsell current customers and stay connected with existing customers. And best of all, both marketing methods can be easily implemented into the marketing plans of even the smallest businesses on a tight budget. Here’s a quick overview and comparison of both methods.

direct mail marketing

Direct mail marketing is not dead. It’s still as powerful as it’s ever been. One of the great things about direct mail marketing is that you have the ability to get your message into the hands of your prospects.

1. More responsive receptacles

Many people still do not use email. Besides the fact that people will probably spend more time reading a postcard or letter than an email. Putting a beautiful postcard or envelope in the recipient’s hand can be a powerful tool. As long as you design your marketing material in a way that grabs the reader’s attention, they will read your message. Much of the email marketing that arrives in a person’s mailbox is so poorly designed that much of it gets ignored. Make your piece stand out from the rest, and they will read your message.

2. It can get expensive

If you don’t target the right audience, you’ll be wasting time and money. Sending marketing materials directly to specific people at specific addresses will keep your costs very low and greatly improve your chances of making a sale.

3. It can be very time consuming

Building a mailing list and designing amazing marketing materials to send out takes time, thought, and money. But as a small business, you should always be adding to and improving your mailing list and marketing materials. Since the first day. Many small businesses, home-based businesses, and professional practices will live or die on the quality of their mailing list and marketing materials.

Junk mail

Email marketing is incredibly cheap, fast, and easy to implement, but it won’t replace direct mail for long. One of the best things about email is that it’s trackable. This data can be used to analyze open rates, links clicked, and conversion details. All of this data can help you fine-tune your email content and message.

1.Very economical

You can easily start an email list and not spend a dime. But getting email addresses from someone beyond your current customers can be time consuming. But eventually you will build a bigger list. Then you will need an email service company to manage and send your email messages. Many of these service companies have a free plan to manage up to a certain number of addresses.

2.Very fast

Once your emails are designed and set up, you can send a mass email in a few minutes. Your recipients will start opening your email a few minutes after you send it. You will start getting visitors to your website a few minutes later. Incredibly fast.

3. Very convenient

Providing clickable links to your products and services makes an email very convenient for recipients. These links allow recipients to quickly understand what your email is trying to tell them and sell them. This speed is one of the main reasons most of us enjoy emailing.

What is best for your small business?

Don’t be afraid to use both methods at the same time. Direct mail might work better for some of your potential and current customers. Email might work better for others. Each method has several similarities and several important differences. You will need to decide which method, or both, is best for your small business. The reality of the situation is that direct mail and email marketing are a perfect match for each other. Each method makes up for the shortcomings of the other. Used together, they create a powerful tool to use in your marketing plan.

Here are some questions to ask yourself

Is your communication time sensitive? Do you have a budget to work? How much explanation do your prospects require? Do you have a good mailing list for one method or both? Have you already asked your current customers to join your email and mailing list? Are some, most, or all of your customers online?

The Indian Premiere League (IPL), as a Twenty20 cricket tournament, was founded by Indian cricket and business tycoon Lalit Modi, the then vice-chairman of the BCCI (Board of Control of Cricket in India) in 2008. The following year the IPL moved to South Africa as the UPA government was unable to guarantee security due to the 2009 General Election. After the third edition in 2010, the BCCI suspended Lalit Modi thanks to a plethora of allegations and denunciations. crusades that culminated in 2013 when the BCCI banned it for life after a series of investigations. He moved to London in 2010 and has lived there ever since. Meanwhile, the IPL has become one of the biggest cricket tournaments in the world in terms of money, mostly by billions.

Since its inception, many cricket purists, including stalwarts and even politicians, criticized it as a ‘commercialization’ of cricket with the buying and selling of cricketers from around the world, called moderate-term auctions, and teams made up of Indian icons. , young Indian cricketers and international cricketers based on their ‘price’, which was calculated based on their performance or potential. Thanks to its ability to generate money and its growing popularity among popcorn cricket revellers, the BCCI embraced the IPL as one of its ‘must-see’ activities, and at times went to great lengths to lobby internationally. Even in the post-2010 period, the IPL was never free of controversy, including match-fixing and the like, leading to franchises or teams being banned from the tournament on a few occasions. However, the IPL grew and grew in importance, because international cricketers also began to count on it for the money they could earn. National pride and franchise loyalties conflicted.

Again, from the very beginning, many cricket administrators and veteran cricketers, including stalwarts, saw the IPL as the gateway for young talent; it is not clear if they simply passed it naturally or due to money-oriented vested interests. There is no denying that the young Indian talents had opportunities during the tournament in terms of recognition and secured money; but the point of concern was that the national selectors started considering the IPL as a criteria for selection in Team India despite the fact that the various national cricket tournaments have been available since decades. Obviously, competitive cricket is played in the IPL with rivalries between teams for the coveted trophy; however, the intensity generated by national pride (representing one’s country in international cricket) can never be compared to the club-focused cricket of the IPL involving players of various nationalities. The problem is that revelers began to enjoy IPL matches as three-hour “cricket movies”, and the hype only increased over time. Now we will consider the scenario in the last two or three years.

Thanks to the IPL, an ocean of ‘talent’ opened up before the national selectors, and the IPL became a kind of ‘entry test’ to gain a foothold in the national team. In the roughly two-year period leading up to the 2019 ICC Cricket World Cup, the India team was ‘different’ in almost every match they played, in whatever format. In the name of ‘finding the perfect World Cup team’, he began a process of experimentation that turned out to be endless and often pointless with players of dubious track records finding repeat opportunities to play for the national team. An artificial syndrome called ‘the number 4 hitter’ was also created to justify this. As part of this process, various ‘lobbies’ also began to form around certain young cricketers with ‘talented’ even cricketing stalwarts joining them. One of the biggest examples was the peculiar case of ‘Rishav Pant’.

It is well known that Rishav Pant has nothing to show for it in terms of one-day international cricket so far and yet when he was not selected for the World Cup squad, a national uproar spread from local protests to protests. social media. to the editorial pages of national newspapers. Perhaps due to such national ‘outrage’, Indian strongman and starter Shikhar Dhwan was injured in the first half of the World Cup. And what happened? Naturally, Rishav Pant was selected replacing several other ‘established’ options like Ambati Rayadu, Ajinkya Rahane and the like. And what did Pant do in the games he played after? Well, he only contributed to the process of ‘decimating’ MS Dhoni, whom he persisted to during the term just because of the ‘experience’ of him, and so-called batsmen like Pandya and Pant came to bat before the ‘experienced’ Dhoni. , repeatedly. , including in the crucial semi-final against New Zealand that paved the way for India. It was ridiculous to see the Pandya-Pant duo trying to win matches after only 3 or 4 wickets. This is also to mention here that Team India had 3-4 wicket-keepers, 4 if we include KL Rahul, playing in certain one day internationals on various occasions. This absurdity even extended to some World Cup matches. As a devoted cricket lover for centuries, I have to say that any team that includes 4 wicketkeepers in the playing eleven can never hope to win a major tournament.

With less than a year to go until the ICC T20 World Cup-2020, the experimentation process started again and the IPL became the most important platform to choose from. In the first T20I match against Bangladesh on November 3, 2019 in Delhi, the India team did not look like a national team, it was more like an IPL franchise. Losing the match was a foregone conclusion, despite the fact that Bangladesh was playing without Shakib and Tamim.

If such pointless IPL-focused experimentation continues unabated, only Team India and millions of fans will suffer from the syndrome of snatching defeats from inevitable victories, as well as demoralizing so many other proven cricketers. The essence of IPL is trade and it must be accepted by all interested parties. Domestic cricket should regain its lost relevance. In this context, it is reassuring to see the new BCCI Chairman Sourav Ganguli making such a promise for a new era of Indian cricket. Otherwise, the IPL will remain a great asset in terms of revenue and a liability in terms of the winning ability of the Indian team internationally. This writer had previously expressed the opinion that any cricketer who excels at Test cricket can easily excel in all formats of the game; many legendary players have shown it. The upcoming introduction of India-Bangladesh Pink Ball Day Night Cricket Test in India this month is sure to boost interest in the classic format.

Is it really possible to learn how to start a business with no money? The answer is a resounding yes! As a startup consultant, I can’t count the number of times I’ve been asked this very question. The good news is that starting a business with no money is not only possible, but also extremely smart.

I mean, why would anyone want to run up major debt from a mountain of loans to start small businesses if they didn’t have to, or rack up high-interest credit card debt as a means of managing cash flow? There’s a better way, and it’s called bootstrapping.

Let’s take a look at three ways you can learn how to start a new business without big bank loans.
 
Expert Tip #1:

start a business from home
 
When looking for the best small business to start with very little money, a home-based business wins hands down. By choosing this option, you eliminate approximately 32% of the overhead costs of traditional businesses. With a home-based business, some of these costs can be greatly reduced or eliminated entirely.
 
Consider the savings:

• No office lease payments
• No service establishment with utility companies (and no cash outlay for deposits)
• No fuel costs to get to work
• Decrease in car insurance rates
• Reduction in child care expenses

According to a recent study, American companies could add more than $260 billion to their bottom line profits if their employees worked from home. There’s simply no question that working from home is the smartest option for starting a business with limited resources.
 
Now that we have discussed where To start a business with no money, let’s examine the best small business to startwe have a budget
 
Expert Tip #2:

Find business ideas that require little or no money to start
 
Choosing the right business opportunity is the key ingredient in learning how to start a business with no money.

After all, not all businesses can be started without money. For example, it is almost impossible to start a retail store with no money. Unless you’ve accumulated a sizable lump sum, you’ll most likely need small business start-up loans to be successful with a retail business.
 
However, it is possible to start a cleaning business with no money. Finding the best business to start with no money will require a bit of internet market research. Do your homework and watch out for “too good to be true” instant wealth claims.
 
Expert Tip #3:

Find free sources of financing for start-up companies
 
The third and final factor for a successful startup on a shoestring budget is saving money on initial business start-up expenses and day-to-day operating costs. Reducing these costs at the business planning stage is essential to the profitability and long-term success of any small business. Many budding entrepreneurs don’t realize that there are many creative strategies for starting a business without a large debt load from small business start-up loans or loans from family and friends.
 
Make your dreams of owning a small business come true. You can learn how to start a business with no money by greatly reducing your start-up costs and operating expenses. Eliminate or reduce these business startup costs, and you’ll discover the secret to starting with very little money.

Here I have the basic Filipino greetings that I have collected and simplified for everyone to understand easily. Along with the closest English equivalent, I have a few lines here to give you background for each word and phrase. I’ll use this as the basis for the other post I plan to do. Hopefully I’ll be able to follow the sequence here as I’ll be working on these expressions soon.

Mabuhay-Welcome or long life.

This is used here to greet everyone, including foreigners, a warm welcome, hoping that everyone will let their guard down (peace/friendship). This is derived from the root word buhay which means life. This is an auspicious thing to say and is usually heard during celebrations like at weddings, we always hear someone exclaim “Mabuhay ang bagong kasal” and everyone else will clap to congratulate the newly married couple.

Magandang umaga-Good morning.

The word magandang is derived from ganda which means beauty, hence magandang umaga is a beautiful morning.

Magandang Tanghali-Good afternoon.

The word tanghali means the time when the day is hottest (10am to 3pm, the time when sunscreen is a must). Unlike konnichiwa (good afternoon/good morning/hi/hello) of the Japanese which cover most of the day, magandang tanghali only covers what is not early in the day and what is not late in the day.

Magandang hapon-good afternoon (afternoon).

This is similar to the Spanish good afternoon (said when one socializes after the so-called siesta). Of course, Filipinos do this siesta too (after-noon nap/beauty break?). Tanghali is so hot that Filipinos sleep at this time instead of going out (socializing is down).

Magandang gabi-Good afternoon and good night.

There is no distinction between evening and night in Filipino. Gabi can mean anyone and that doesn’t matter or bother anyone.

Kumusta-how are you?

Let’s go back to the Spanish influence to the Filipino. This greeting is derived from the original in Spanish ¿Cómo está? Featured with Filipino spelling.

Salamat-Thank you.

This is a bit of a headache for me. One reference says that it is derived from the Arabic salam which means peace. When I came across Malaysian/Indonesian, I saw selamat in several of the greetings there, but not as a thank you. As for the thanks from Malaysia, it is terima kasih. I wonder if salamat is somehow related to selamat?

Walang anuma-You’re welcome.

Actually this means “It’s nothing” but understood as “You’re welcome”. Like the English counterpart, so does the one who is thanked in response.

Paumanhin-I’m sorry or excuse me.

This word varies in meaning depending on how the speaker pronounces it. There are usually clues to the meaning of this in the sentences before or after this word. This is like the Japanese sumimasen.

Patawad-I’m sorry

While paumanhin can also mean “excuse me,” this can mean “sorry” or “can I haggle?” It is derived from the root word tawad which means to haggle or apologize.

Makikiraan-May I come in?

This is to kindly ask if it can happen between two people or a group; in front of a group of people who are watching something; or when someone from a group of people is blocking your way (unintentionally). These and more are the example of when to use this word.

Makikisuyo – Can I ask you a favor?

This is derived from the root suyo which means an act of affection for loved ones. Use this when you ask her favor in a sweeter or more charming way. This is also helpful to everyone, whether you don’t know them personally, but this way now act like you’re asking them to do you a favor. Helping others is one of the values ​​of Filipinos.

Makikiusap-Can I ask you a favor?

This time, he is not affectionate and does not ask for courtesy. This is a simple and direct way of asking, please do such and such if you can. It’s also not rude, but more of a normal, informal way of dealing with others.

Mawalang galang na- Excuse me.

Excuse me is all I can think of as its English equivalent, but this expression is similar to the Japanese shitsurei shimasu. Literally, this means “if I may be rude to you”, as it is derived from the compound word walang galang or shitsurei, meaning “not polite”.

tao po

This is said by someone knocking on the door and can denote “It’s a man (person) around here.” If I can relate it to Japanese, the closest Japanese equivalent to this is gomen kudasai.

Tuloy-Enter

This is said by someone who is inside the house (in connection with the previous sentence) when opening the door, letting in the one who is outside. This is also the root of the word enter.

Pasok-Enter

This is the same as the previous word. Consider this a variation.

Ingat-Take care.

It is usually said before leaving with a friend in the hope that they will stay safe. There is a humorous variation of this. That is ingat sila sayo. This implies that no one should mess with you or they will get in trouble. This may sound sarcastic to those who are not close to you.

Paalam-Goodbye.

This is the most common way to say goodbye. It can also mean “to inform” and is derived from the word alam which means “to know”. This can be a way of saying that you want someone close to you to know that you are leaving.

Sige-Ok

This is used both when you ask for permission and when you approve of something. It is also heard when saying goodbye, which is usually linked to other farewell phrases.

Hanggang su muli-See you later.

This is another way to say goodbye. This is expressed in the sense that you are interested in meeting that person again.

It is the responsibility of every company to focus on the professional growth of its employees and ensure that they work in a safe and healthy environment for their well-being. Its integration helps companies to comply with environmental, health and safety standards without any problems. This is also the reason why companies are always looking for SAP EHS trained professionals to use SAP EHS software in the most effective way possible.

There are many features available with SAP EHS that help companies

When it comes to safety, EHS helps maintain safety standards across the various departments of an organization. It plays a crucial role by offering a simplified approach to manage the waste produced by a company by complying with different environmental regulations and also helps to reduce carbon footprint. Some of the main functionalities of the SAP EHS system are listed below:

Health and security

This functionality available with the software is primarily focused on each event and incident concentrating on hygiene conditions and health processes within an organization. Employees who have to deal with hazardous substances must follow certain rules for their safety along with that of the workplace.

product safety

From development to shipping, each product must follow certain standards without fail. This functionality offered by SAP EHS helps adhere to those standards and helps the organization meet legal, sustainability, and security responsibilities. Apart from that, this functionality also helps to comply with the regulations of storage, packaging and transportation of products.

Environmental Compliance Management

This functionality is useful for taking care of all laws and policies related to environmental compliance. Thus, it reduces the risks that threaten the organization and the environment that surrounds it.

Product Compliance and REACH

This functionality is especially useful for controlling the materials and products that are used for production. By maintaining compliance standards that are

specified for particular industries, companies can easily market their products without problems.

Recycling Management

This feature is essential for companies to ensure they are upholding global recycling legislation standards applicable to batteries, WEEE and packaging. Its management tool is a comprehensive, integrated application that enables companies to organize EHS strategies and implement them efficiently. The range of capabilities available with this tool is vital for addressing regulatory compliance and managing, identifying, and reducing EHS risks. It plays a critical role in delivering safe, compliant products to customers every step of the way.

Singapore is a start-up friendly country, trading across numerous borders and enforcing regulations that protect both its investors and employees, so it would be wise to finance your start-up in Singapore. The country is known as a key player in regional trade and the fact that it is also a reputable financial center ranks Singapore as one of the most profitable countries for business investors.

At the time of writing, there are already over 100,000 small and medium-sized enterprises (SMEs) in Singapore, all of which benefit from the country’s business-friendly policies, such as a flat corporate income tax rate from 17% (which is further discounted to 9% for companies with annual earnings below S$300,000). It is estimated that these SMEs contribute to a whopping 35% of the country’s economy and it is an industry that employs more than 50% of Singapore’s workforce.

Currently, Singapore is home to more than seventy international airlines and has signed Free Trade Agreements (FTAs) with key world leading economies such as China, the United States of America, the European Union, Australia and New Zealand. These agreements help foster greater business opportunities for Singaporean companies and help boost business operations in Singapore to other countries around the world.

Singapore citizens and permanent residents are all eligible to form their own start-up companies in Singapore, regardless of whether one intends to create a limited liability company, sole proprietorship or limited liability company. Even foreigners and non-residents can easily incorporate a company by appointing a nominee director who is a resident and “leasing” a local address.

A private limited company (also commonly known as a Limited Liability Company) is easily identified by the words ‘Pte Ltd’ at the end of the company name and business operations are conducted with the understanding that all directors and shareholders of the company are only liable to a certain extent in the event that the company incurs losses or debts. For this reason, most Singaporean companies are limited liability companies, as this form of business is considered to offer the least financial risk.

Like the limited liability company, the limited liability company also operates with the understanding that the business operates under a separate legal identity. This form of association is suitable for professional services such as architecture or law firms and consultants.

Finally, the sole proprietorship entity is intended for businesses that are run with a single person in charge of all business operations. This also means that all liabilities and assets are owned by this individual.

With an impressive 95.9% literacy rate and a strong workforce that is fluent in English and Mandarin, Singapore is destined to be a strategic link between Western and Asian business operations.

There are 11 types of IRAs; That’s right Eleven! But do you know about the self-directed IRA and what are the benefits?

Most investors mistakenly believe they have a “self-directed IRA” when in reality they have one that limits their options to a few types of investments. Within your plan, you can choose stocks, mutual funds, or bonds. And while you may have hundreds and even thousands of options for where to put your money within that account, you probably can’t invest in non-traditional retirement assets, especially if your IRA or 401(k) is rolled over to a traditional account. stock brokerage house.

So what is a true self-directed IRA? It’s an account that allows you to invest in many other options within your IRA, including:

Rental Real Estate

Set tops to resell at a profit (flip)

Private loans made at higher interest rates to other investors

discounted private notes

Tax liens or tax deeds

Private companies and startups

precious metals

Leases and Lease Options

Straight options (real estate options, not stock options)

Associations

Such investments receive the same tax treatment as more traditional IRA assets. Any taxes owed are deferred until retirement, usually at age 70½, when you should start withdrawing your savings, or possibly sooner.

This is an account for active, hands-on investors with unique knowledge of some of the asset classes on the approved list, not for a “set it and forget it” investor.

By using this type of account, it is possible to earn considerable profits with a relatively small amount of money. Here’s an example:

You have the opportunity to buy a dilapidated house from a property that you want a quick sale. You determine that the house is worth $200,000, after spending $40,000 on improvements. You contract to purchase the property for $120,000. But lacking the $160,000 to go ahead with the sale, you hire a partner who agrees to provide the full amount, as long as you handle all the details, including closing, rehabbing, and reselling the home.

In addition, you determine that you would like your share of the earnings to go into your IRA for the obvious tax benefits. You only have $10,000 inside your IRA to invest. The appropriate move under these circumstances is for his partner to purchase the property in his name or from an entity he controls, such as a limited liability company. You enter into an option agreement to purchase half ownership of this property. You pay $100 from your self-directed IRA and complete the option paperwork and submit all paperwork to your plan administrator.

This deal is now moving forward, and the property is rehabbed and ready for sale in 60 days and is selling and closing quickly for $200,000. You are worth $10,000 in sales and holding expenses, netting $30,000 on this deal in five months. The actual title holder agrees to pay you $15,000 to close on your option. This $15,000 is a return on investment from the $100 option and is deposited back into your IRA tax-deferred or tax-free (for a Roth IRA).

Your investor contributed $160,000 and received $15,000 for a five-month investment. This represents more than a 20 percent annualized return on his money, which pleases almost all investors. If he used money from his IRA for this investment, then his earnings would also be tax deferred.

rental income

Here’s another example: A New York investor became aware of the self-directed IRA and used part of his IRA to purchase four rental houses in Metro Detroit. Each home was purchased for around $55,000 and the rentals for around $900, with the cash flow returning to the IRA tax-deferred. If he sells them for a big profit a few years from now, that profit will also be tax deferred.

Beware: There are also some prohibited investments with your IRA (see IRS Publication 590-B):

No money loan to you, your spouse, or any family member in your direct lineal family chain.

Don’t invest in collectibles.

Your IRA cannot personally guarantee any loan you borrow money on. This means that any money borrowed from your IRA must be a “non-recourse” fund, meaning that only the asset can be offered as collateral and can be foreclosed on for non-payment. The creditor cannot sue the IRA for any shortfall on the loan that defaults.