Blog

The Arrogance Of Investor “Members”

It’s been nearly been six months since I’ve taken over the day to day management, of the investing stock side of Todd Capital Investment, from our Executive Director Charles. For the two years Charles handle it he would also talk about, in passing, how aggressive and entitled some members would be in thru email communication with him about certain aspects of the club. I always believed him but I never fully understood the brunt of it until recently, and today definitely takes the cake. Today Charles and I received an email from a member who informed us that he was lowering his monthly contribution because in his words ” He doesn’t see true returns”.

Let me remind you all, that we spent most of 2019 not invested in the market, because of the volatility that occurred during the final quarter of 2018 and carried into the early part of 2019. To say nothing of the fact, unless you’ve been deaf, dumb, or blind, clearly the market volatility is still occurring; with the latest occurrence showing it’s ugly head this weak. I’m not sure what type of returns you were expecting over the last 45 days(We only been back in the market since the middle to end of March), but long term investing isn’t a instantaneous mechanism. It’s a marathon not a sprint.

If you are a member who has been with us since the beginning way back in 2016 you know that we did not achieve that massive 47% ROI overnight. We went thru phases of swings, winners, losers, and non movers. That profit of $22,000 was achieve over a nearly 19 month campaign, not some flash in the pan occurrence flute that just luckily happened. If you are looking for over night riches let me tell you now, THIS AINT YOUR CLUB!!! We are deliberate and strategic in our approach, the goal is long term valuable appreciation not some inflated hysteria change that’s here today and gone tomorrow.

I don’t claim to be an Oracle, all knowing and knowledge in all in and/or around the financial markets. But I do love investing and financial literacy and I promise that I devote serious time to our strategy and goals, and I will never stray from that avenue to please any recklessly appetites for fast money. If that is what you are seeking, I suggest you get yourself a high powered computation PC and have at it with macro or micro day trading.

Furthermore, myself, Charles, and Lance work on this club out of the love of generational wealth building and crowdfunding passion. We are not compensated in any form and fashion, their are no corner office with plush furnishings, where we are merely collecting fees on your money whether we make you money or not. We each devote extra time to this cause and group in addition to our daily lives because we love and believe in the long term end result. We don’t need pats on the backs or applause before we can up with this concept in hopes that others would join us and believe in the cause and you all have. However, what is expected and should go without saying is common decency and a level of respect that should not need to be reminded to anyone to display.

With that all being said, I look forward to seeing and hearing you all on the call this coming Sunday at 8pm Eastern, 5pm Pacific. Have a great day Membership!

Jamaal W Vetose

President

Todd Capital Investments

The Market Has Been Acting Like A Toxic Partner

The flip-flop marked the latest reversal for a stock market that has been whipsawed by worries over the worsening trade relationship between China and the U.S. and the fallout it may have on the broader global economy. The market plunged Monday, bounced back Tuesday and see-sawed Wednesday. Not exactly how you want a stable partner in your investing life to operate.

You all know what I’m talking about, if you are of some aged adult experience. We’ve all run across at least one romantic partner who behaved in a toxic manner. But they didn’t start out that way, of course in the beginning they were stable, dependable, someone that you could be the core of your life around. And then something very drastically shifted in them; lying for no reason, unpredictable, extreme mood swings up and down that brought the entirety of the relationship crashing down. That’s exactly how the stock market has been asking for the better part of the last five trading days.

The recent volatility is a stark contrast of how the market operated for the better part of a year and half. For all of 2017, and majority of 2018(besides the final quarter) the market was a beacon of stability. But got the last 8 months, the stock market has been very moody. It has been that toxic lover has no handles of its bearing from day to day. Two hundred points up, five hundred points down, a loss of $1.2 Trillion in market capitalization here a gain of $500 Billion there, is enough to make have to

make appointment with your therapist.

But let me give you so HOPEFULLY, insight about this current market condition. No matter how toxic or unstable the market seems at any given time, it always come back to even kneel. The stock market crashes of 1929 and 1987, but more recently the Great Recession of 2008, all show the market more than recover but THRIVE! You must have the patience and tolerance to within a host of daily struggles to reap the rewards of long term value. The fundamental of this economic and Global Market are sound and if not for the trade war that seem to be occurring between to global economic powers the market would be operating on normal metrics. So relax and look for opportunities to exploit pullsbacks that would otherwise not be available.

Jamaal W Vetose

Todd Capital Investments

President

Real estate debt reduction as a strategy

If you want to make a million dollars in real estate, take on a million in debt and let your tenants pay it off. This is something that resonated with me when I heard it on the BP pod and something that I planned on not telling the internet community. I wanted to keep this gem as a secret for myself. I wanted to be a doer not a teller. Debt pay down is a way to make money in real estate that people aren’t aware of. As a refresher, check this out:

There are four ways to make money in real estate. They are 1) rental income, 2) appreciation 3) tax benefits and 4) debt pay down. This article will focus on the fourth because I don’t think it gets talked about at all.

What inspired this post was the infamous 8 unit that just came online. The property is priced at 200k, which is weird because this is arbitrary (I need and appraisal and I don’t trust numbers that end in zero) but the way I estimate a mortgage is $600 per every $100k. So the mortgage, not including taxes insurance, maintenance, vacancy is $1200.

Total cashflow as is would be 8 units at $600 (which is low for Detroit). Total revenue per months is $4800. You have a few options. You can cashflow about 1800 per month off this property or plow it all back on top of the debt, using the tenants money to clear the debt off your property. $4800 per month can liquidate 200k (less a 20% down payment) which is 160k in 33 months.

I bring up this strategy because it is a defensive strategy. These days multi family housing is hot. In my opinion it is too hot. Another thing is that these days refinancing property is hot. Too hot. This means we have to be investing defensively as much as we invest offensively. Always have multiple exit strategies, always have contingency plans. Anything else would be irresponsible. We invest for keeps not for a moment.

So in playing for keeps I find that you can’t do what everyone else is doing. This is what makes me a contrarian. I am a contrarian in nature. So what I see everyone doing is what I do the opposite of. All intelligent investors are contrarians. We go where people won’t go, we buy what they don’t buy, we don’t do what they do. We see the herd and go the opposite way.

I believe you have to be smarter than the smartest investor. You don’t become that guy by waiting for cues from what other folks are doing no matter how many units they own and how successful they appear to be.

There are a lot of “successful” people in multi family right now. These people are playing off this huge rush of renters that appeared after people lost homes, and then couldn’t buy homes because of bad credit and poor work history.

I like multi family but I don’t want to do it the way other folks are doing. I don’t want to suck all the cash out the deal. I don’t want to count on raising rents. I don’t believe that “rents only go up”, that is pre recession talk, the same talk that had folks high and dry in single family home flips gone bad. Lastly, I don’t want to raise rents and refinance out the property to then buy another property using the same strategy. Nope. That’s is sheep stuff.

What people aren’t doing but which I deem intelligent is they aren’t letting their tenants hand them wealth. By letting your tenants pay off your debt you now have net worth and cashflow forever. They decimated your debt which effectively means they gave you property free and clear and all you had to do is sign on the dotted line. Instead of pulling the cashflow out via passive income or a refinance you plow it all back down into debt reduction. In this regard I am like Dave Ramsey, I hate debt but I refuse to be the person that pays off said debt. Let the tenants handle that.

This is the smarter way to do real estate that isn’t as obvious as what other folks are doing. Acquire property with debt and be patient while your tenants pay it off. The wealth game is a long game but it is also a smart game. Don’t believe the hype that you have to flip, wholesale, BRRRR or rent and that is the only way you can make money. Everything is a deal in 20 years. Load up, wait and be great. Debt pay down is a lucrative strategy.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire

Beyonce

People don’t get paid in equity because its a loss, they get paid in equity because that is the big win.

I’ll never forget when I posted the “pay me in equity” meme and some of the people on the top financiers of Instagram list posted about how that was stupid. This was around the time when Beyoncé made the “pay me in equity” statement. I saw the big picture, they could only see the dollars and cents in the immediate.

Their thought process was that if you get the cash now then you can invest it and get a return in the stock market versus waiting and maybe never getting your money or worse losing it all if the deal goes bad.

See that kind of thinking is what they want you to have. They want you chasing the money in the here in now while they get that cash on the back end. This is the hustle that your job throws at you and this is the hustle that record labels throw at young men.

Keeping it a buck, as Ericka says, that type of knowledge is salespeople knowledge not rich people knowledge. The kind of knowledge that gets them a commission off your here and now money as they funnel you into mutual funds and life insurance. I am tired of this kind of financial advice and literacy. No thanks. Take advice from rich people, not sales people.

Today we saw the news that Beyoncé made $300m on the Uber IPO and $60m on the Netflix special, all because she got paid in equity. Beyoncé would have been paid $6m at Uber for her performance. She was paid $8m by Netflix. Lets do the numbers, I like numbers.

Beyoncé performed at Coachella one year ago, for $8m. That $8m at 12% is $1.6m or $9.6m. She was $50m short. Where I come from, $50m is a lot of money.

The $6m at Uber netted her 5000% ROI vs the 12% on the $6m that she might have made over five years. $300m is a lot more than $6m at 12% which is $900k for five years, which is $4.5m or a total of $10.5m. I think that $300 is a lot more than $10.5 especially when we are talking millions. The difference is astronomical. That difference is your legacy. That difference is what you give them when you take the cash and not the ownership. Someone is getting that money bro it doesn’t just disappear.

To be clear, equity is more powerful that the front end check and it’s more powerful than a stock market ROI. As John Henry stated, the top 90% of families in America with $10m plus liquid did it through an exit, an IPO an equity play a sale a flip, whatever you want to call it. There are no wage earners on the Forbes list. Taking the cash reduces you to a wage earner, no matter how high the wage. The unpredictability of ownership is the true power.

You have to understand that equity is powerful. A paycheck is for wimps (where is my paycheck). Equity is so powerful that VCs pay money to participate and they pay big money. Equity is so powerful that the team owners, film studios and rap label owners give you the “big check” up front knowing they are going to get the bigger check on the back end. Ownership is more important than money. Beyoncé has been in enough rooms to know this.

As I was reading the Beyoncé post and thinking about how much of a win for her that this was two ideas came to mind, 1) the rich don’t work for money and 2) the Nipsey Hussle mailbox money comment.

King Nip, RIP, said that at the highest level of business it is mailbox money. Equity. They are going to give you that check on the front end to get the check on the back end. He said we have to shift the model and start talking about what you own and what you control. What you can make move. That is the true bragging rights.

Lastly, one thing I noticed is that Beyoncé got into her investment deals with her talent not with money. She didn’t put up money to be a part of those deals, she flipped her talent, talent that costs her nothing and used it to get into a deal worth 300m. This is what I mean when I say that wealth is created and also what I mean when I say that the rich invent money. Beyoncé created 300m with her mind by shifting her resources, taking a few hours out of her day and then being smart enough to go after the equity not the few bucks on the table that have their profit built in..

Remember that any dollar someone is giving you has profit for them built in. You want to be on the profit taking side (equity side) not the dollar taking side. Be great.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire


Group investing kills the crab in the barrel because it destroys the barrel

Someone recently asked me for some investment advice that most black people wouldn’t know. I thought about this for a second and my answer was this. Team work. That is my answer.

My second answer would probably be bunking up and sharing housing while continuing to be productive which is effectively the same as answer number one. Teamwork.

If we could do those two things, which is really just one thing, we would be leaps and bounds ahead of the game. We would finally be competing in America because everyone else is already doing this.

For some reason people hear what I do and think that people make less money by investing with other people. Or they think that I am dumb for buying homes with a group and not just going out and buying my own homes with my own money. The problem with that conclusion is that you assume that little old me could acquire the things that the group can acquire. I think I’m dope but I’m not nearly as powerful or as smart as all of us.

In one year we bought seven doors. I don’t personally have any family members that own that much rental property. I would be the first. I did it in one year. Now we are moving on to own a barber shop. Nobody in my family owns a barber shop. A group can do in one year the things that an individual couldn’t do in a lifetime.

The reason why my family and your family don’t have these resources is because we don’t move as a family. We are family in name only, not in action. And if we are coming together in action it is usually for a family reunion or some other party. If its business that needs to be done the comment is “nah I couldn’t do business with so and so”. But you can party with them? Ok.

My people are some individuals bro. They would rather struggle solo than float through life with ease in a partnership.

A large part of this is because we don’t invest to just win, we invest to stunt on people. We want the better car, the better vacation, the better school for our kids. Guess what though guys, when you work with the people you are trying to stunt on you can actually stunt harder than your individual stunt.

We have to flip the mindset from stunting ON to stunting WITH. When that happens, the community improves. Group investing kills the crab in the barrel because it destroys the barrel. Instead of trying to go up individually, we expand together and bust the seams.

So I don’t have the solo investment advice. The text book investment advice. I don’t want you loading up on a 401k. I don’t want you focused on that single family home that is a liability. I want you teaming up to buy assets that cashflow, liberating yourself from your job and then getting rich. You can’t do that as an individual.

Why do I push the team approach so much? Because Im not letting a bank dictate where I can invest and what I can invest in. My strategy doesn’t ignore redlining it eliminates its impact. If the banks won’t lend to you, become the bank. It is more empowering and it is more profitable. Not only do your bank customers get better rates, they also get the jobs, the executive level positions and they get the benefit of loans in their community that increase the property values. The profit is in the solutions not in the identification of a problem. He who solves the biggest problem gets the richest.

So many people think that because I don’t dwell on race issues that I am unaware of race issues. I know that racism hurts, but I know that racism is a team sport. I’m more concerned with eliminating the impact of what they are doing than complaining about what they are doing; and what they are doing is moving as a team to destroy you. But peep this, you don’t beat the warriors with hero ball, you beat them with a team. You don’t beat racism with one savior leader, you beat it with a team.

The key though is when you take the team approach the team gets rich. When the team is rich the community is rich. When the community is rich all those problems you complained about have no impact. I don’t blame anyone for doing what’s in the best interest of their community. I blame us for not doing what’s in the best interest of ours. Partner up.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire

Weekly Update: Manic Monday Email

Greetings Membership,
Happy Belated Mother’s Day to all our members with children and too all you with mothers as a whole, hope you showed these pivotal women in your life as much love as they deserved. And of course, Happy Manic Monday to you all. U.S. stocks could be closing in on an inflection point this week as global investors dump equities amid escalating trade tensions with China and question valuations in an environment of slowly accelerating inflation and rising economic risk. The S&P 500 has given back nearly 3% of its impressive year-to-date gains in the seven days that followed President Donald Trump’s threat to impose steeper tariffs on Chinese imports.
This week’s earning lineup isn’t as profound as last week or the week before so big name earnings report before or after the bell won’t be able to distract from the continuous unstable international relations tension. Whether the market rebounds or continues to falter as anybody’s guess, but if I had to land on either side, I’d say this week the indexes will be a mixed bag of results day to day. And come Friday I wouldn’t be surprise if the market finishes relatively flat on the week’s results. 
Investment Portfolio
In line with last week’s market volatility our portfolio was not spared from the up and down of those market movements. One of our stalwarts, Netflix, is now down 0.65% or roughly $66 dollars. Master card and P&G are still holding steady which isn’t surprising, especially with Proctor & Gamble. Whenever there is market uncertainty industrial or consumer brands as always the safe haven before their products are general items customers need no matter what state the market is in. That way I always advocate for a defensive play for any portfolio. Please see attached screenshot for review. 

Communication 

In addition to these weekly emails I would also like all of our members to be more active in our slack groups. This group is not merely a passive experience but a think tank to share ideas and gain other perspectives. Please use the slack links below: 

Investment Club for Stocks: https://join.slack.com/t/tcinvestmentclub/shared_invite/enQtNTE2MjUxNzY5NzYyLWZjMGI0MzA2MTA4Y2IyMGM1NzU2NjBkZTlhNGY4YmY2ZmZmNGQ1ZmE4YTIwZWVkN2VhNTczMjk0MmRmNzY0YTI

Investment Club for Real Estate: https://join.slack.com/t/todd-acquisitions/shared_invite/enQtNTE0MjQwNzc4Mjk0LTQzMWMyOTkxMGE5YzAwZWQ4OTk4OTA4ZDRmMGEzNjk0NjBmN2IyODZlMTMwZmE0ZjBkODRjNDdlZGVjNzYyOTg

This is just the chat thread so you can stay abreast of what is going on.  You wont be actual RE Club members until you partner on a deal IF you decide to partner on a deal.

P.S. At the next month’s conference it will be an extend call to address how to get the investment stock portion of the club back up to a more active functioning  unit. We will discuss a variety of subjects especially how to get the Voleo investments and TD Ameritrade investments in sync.  This needs to be more of an collaborative effort so we will be taking a more in depth discussion after the routine of the usual call. Please sure to be on the call and encourage other members you know how aren’t usually active to attend as well. I will be sending out a link to the Zoom call later today or tomorrow. And instead of Wednesday the call will be on Friday when we tend to have better turn out. 

In Closing

Information from this weekly email is not intended to be investment advice or construed as a recommendation or endorsement of any particular investment or investment strategy, and is for analysis  purposes only. Be sure to understand all risks involved with each strategy, before attempting to place any trade.

Per usual hope you all have a great and prosperous week and an even better investment week. Will talk to you soon!! 

Jamaal W Vetose 

President 
Todd Capital

Golden State Warriors of Business and Real Estate

Last night the Warriors, my favorite team in basketball, squeaked out a win against the Rockets. In doing so we saw a glimpse of old school, pre Kevin Durant, Warriors basketball. It was heavy defense and pro team. The way I like to do business.

As I was reading an article on this pro team approach I saw a quote from Steph. It said,
“Whoever has the ball, no matter if it’s off a pick-and-roll, we swing, make the defense work, make decisions on that end of the floor,”. He went on to say that “we still have a lot of weapons and can create good offense through that type of attack.”

This is how I see business. This is the proper way to do business. If you look at any successful anything in America that has lasted it was done like this. A lot of people don’t know this but Paypal wasn’t an Elon Musk company. Paypal was a merger. A bunch of high level bosses came together to make 1.5billion dollars. From there the bosses went on to start VC funds and/or buy more companies. The team approach gets you to billions. The Harden approach will get you the MVP but billions are better than trophy’s.

One problem with the solo deal is that it is easy to take out. Especially looking back on the history of things. Anything that is an individual endeavor runs the risk of getting chopped off at the head and killing the entire movement. RIP Nip but there can’t just be ONE of us scoring all the points. The Warriors win, and will win this series as long as they play this kind of ball.

When the Warriors are playing Warrior ball they win because each person is a threat in some form. Each person can hit a shot. No single person dominates. The team dominates. This make them tough to stop. This makes them impossible to stop.

In business it can’t just be an attack coming from one person, you have to link up with other powerful people who can knock down the shot knowing that if they make it you get the points, you get the money, you get the wealth.

Another thing that Steph said was that “everything that we do starts with our defense”. This is a key investment principal that I don’t think a lot of people accept. Especially this day in age of the BRRRR that can do no wrong. Tuh. Just wait. The concept of using the same money over and over sounds good but years from now people will be talking about how foolish it was.

Whenever I look at a deal I look at it both offensively and defensively. It is not enough to just play offense but you also don’t want to just play defense. Defense is mando though.

What is defense? Defense can look like aggressively paying down your mortgage to increase equity. Defense can look like stashing cash to protect what you own. Defense can look like buying ONLY at a discount and never at market or above market.

Its not enough to buy it you have to keep what you buy. If you don’t take anything else from this I want you to take this, make sure that you put as much thought into how you are going to protect your assets (not just with an LLC) as you do in how you are going to acquire them.

The Warriors last night locked down on D which opened up the offense. If you lock down the D on your investments it will open up offense. It will open it up because when the sky starts falling you will be the person with cash. Even if it doesn’t fall you can still be aggressive with the cash and equity you accumulated to then go after more deals. Ayesha always speaks on the equity piggy bank. Well your property can become that if you play defense while playing offense. Its not either or, its both, but I don’t think we talk about defensively investing as much as we should. Protect what you own fam. Be like the Warriors.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire

Eff them loans

I was scrolling down my timeline and I saw a post from IG that was similar to many of the DMs I get and similar to a conversation that I have had online. The conversation was about student loans. The particular person was asking Asia Denson whether she should invest in real estate or pay off her student loans. This is a question that I get ALL THE TIME.

The person who DMd Asia was a nurse making 70k/year with 100k in student loans. Asias response was “[eff] your student loans” and I couldn’t agree more.

I have been telling people to invest first and figure out the rest later for some time now. I want you to get rich not just get out of debt. We need to learn to be more asset minded and not just “get out of debt” minded. You can’t pass down “debt freedom” to your kids. A lot of our grandparents didn’t have student loans but they also didn’t have wealth….

Now that I think about it. My mom actually paid off her under grad loans from SDSU with appreciation from her first home. She still has the degree and makes a great income. Working income should be used to build your asset column not just pay and get by. That is what they want from you. It keeps you trapped, it keeps you attached to their wage exploitation where they bill you out for 200 and pay you 80.

The analogy that I use is that investing brings in income to pay off your debts. Nobody would tell you to pay off your debt before you got a job because the job funds the debt paydown. Well guys, there are other ways to make money that don’t include working for it. Investing is one of them.

I find it interesting that the people who tell you to “handle your responsibilities” and pay your loans before you advance your finances don’t actually own rentals. While the people telling you to “[eff] your loans” do. I am of the type that likes to take advice from people who I would trade places with. If your goal is to be at zero then take advice from them. If your goal is to build and then double back as an owner, in the words of nip, take advice from the nips of us.

Don’t neglect

Its important that we understand that nobody is telling you to default or neglect your loans. Doing so would be counterproductive as doing so would kill your personal credit. I believe that you can do more than one thing at a time. I do not believe that you should hold off on bringing income into your life while you slave away for five years sacrificing for some dumb debt.

Ill never forget when Dr. Boyce was on the Breakfast club and he made the point that if Donald Trump’s son needed money he wouldn’t tell him to go get a job, he would tell him to find a deal or to start a business or buy one. This is rich dad thinking. Poor dad thinking is the thinking that tells you to go to school and get a good job. We see how that worked for people.

I like to take the hybrid approach. The approach where you work your good job while you build your freedom.

The thing about this is that it doesn’t even take money to really get into real estate. It takes creativity and partnerships. The student loan question isn’t a real one. It is an excuse rooted in fear of taking action. It is a way for people to procrastinate and avoid doing what they should be doing. This is why we say f the loan. Not because we really mean eff the loans but we mean eff letting anything get in your way of getting started.

So in sum, your investments, properties and business will pay off your debt for you. But the beautiful thing is that they will keep paying you and your family forever. It would make more sense to build your asset column that to just tackle your liabilities. Again, one rental can make your student loan payment for you. A house hack can free up the income to allow you to aggressively use all your working income and money you would have spent renting on attacking your debt. A flip could cancel out all your loan in one swoop. A business can do the same. It isn’t either or it is both. The rich don’t believe in trade offs and neither should you.

Eff them loannnnnnsssssss.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire

Manic Monday Email

Greetings Membership,

Today is the first trading Monday of May after a great earnings report end to April last week. But that could not be continued this week. Markets were lower early Monday: Dow Jones Industrial Average futures were off 1.7%, S&P 500 futures fell 1.5%, and the Nasdaq Composite had fallen 1.8% ahead of the open. President Trump’s tweets threatening higher tariffs on Chinese goods have spooked investors, upending the recent earnings-related gains that the market has enjoyed. It’s like always tell people business and politics are my favorite topics to keep up to date on because my business affects my politics and my politics affects my business. 
There’s some big names on tap for earnings reports this week before and after the bell, the likes of : Viacom, Lyft, EA, Cronos, Roku, and a host of others. With this new round of political uncertain I’m not sure if even good news will be received well with continuous tariffs threats looming around. This may cause several companies to decrease their forecast for the year as credit markets tighten and exports continue to struggle. 
Investment Portfolio

With the results from last week in our three big winners are still the same which are MasterCard, Netflix, and Proctor and Gamble. None of up on reporting this week that I know of but they all continue to carry their weight in gains. Tilray is still our nuggets loser; with losses hovering at about 46% now. But Cronos is set to report this week and with some good news hopefully it will push all the cannabis securities up including Tilray. 

Communication 

In addition to these weekly emails I would also like all of our members to be more active in our slack groups. This group is not merely a passive experience but a think tank to share ideas and gain other perspectives. Please use the slack links below: 

Investment Club for Stocks: https://join.slack.com/t/tcinvestmentclub/shared_invite/enQtNTE2MjUxNzY5NzYyLWZjMGI0MzA2MTA4Y2IyMGM1NzU2NjBkZTlhNGY4YmY2ZmZmNGQ1ZmE4YTIwZWVkN2VhNTczMjk0MmRmNzY0YTI


Investment Club for Real Estate: https://join.slack.com/t/todd-acquisitions/shared_invite/enQtNTE0MjQwNzc4Mjk0LTQzMWMyOTkxMGE5YzAwZWQ4OTk4OTA4ZDRmMGEzNjk0NjBmN2IyODZlMTMwZmE0ZjBkODRjNDdlZGVjNzYyOTg

This is just the chat thread so you can stay abreast of what is going on.  You wont be actual RE Club members until you partner on a deal IF you decide to partner on a deal.

P.S. At the next month’s conference it will be an extend call to address how to get the investment stock portion of the club back up to a more active functioning  unit. This needs to be more of an collaborative effort so we will be taking a more in depth discussion after the routine of the usual call. Please be sure to be on the call and encourage other members you know how aren’t usually active to attend as well. 

In Closing

Information from this weekly email is not intended to be investment advice or construed as a recommendation or endorsement of any particular investment or investment strategy, and is for analysis  purposes only. Be sure to understand all risks involved with each strategy, before attempting to place any trade.

Per usual hope you all have a great and prosperous week and an even better investment week. Will talk to you soon!! 

Jamaal W Vetose 

President 
Todd Capital 
443-903-5162

A bee flies because it doesn’t know that it isn’t supposed to fly

This morning I got off the metro commuter train and got into union station where I change trains to get on the metro into downtown la. The metro is full of really bad hombres. People who are just loitering because they have nowhere else to go. Since they all get free public transportation cards they use that to access the train system and just hang out on the train or hang out in the train station.

A few days ago I posted a video of a man getting roughed up when he was resisting arrest. This morning as I was going down the escalator I saw another brother being escorted by cops as he was heading to booking. One train was delayed because some guy just wouldn’t get off the train. It is a really bad situation but I noticed something about what is going on, the majority of these people are African American.

So me being me, I don’t have a victim narrative to sell you. I gave it some thought though. What is it about these people that ALL of them are just in terrible conditions, living on trains and getting arrested. I think a large part of the reason why this is would be the mindset of those people.

This might be a little too transparent but growing up I had a lot of cousins. We all came from the same grandparents. We all share the same skin color. We all exist in the same America. Yet I went on to law school and now an MBA and they dropped out of high school and are still working to get established. If we come from the same DNA and exist in the same United States of America with President Trump, why am I here and they are there? The difference was in how we were raised.

You might not know this about me but the same thoughts and views that I promote online are the ones that were fed into me by conservative Christian and well accomplished parents. Parents that rose above their circumstances by going above and beyond the call of duty not merely doing enough to get by, and definitely not doing nothing and sitting around with excuses for why even if they didn’t something it wouldn’t matter.

When my stepdad wanted a home he worked a full time job and a part time job. He bought the home and then flipped it into a house hack. When my mom wanted a better job she worked full time, raised her kids and went to school at night. She then bought a condo and flipped it for a $60k profit. Spoiler alert is that both my parents are black and exist in these United States.

From that, came me, a combination of the two. I am probably more radical than them but that is because I have seen it work so I can’t even entertain the woe is me stories from people who haven’t been exposed to the things I have been exposed to. Your reality is not my reality.

One of the things that I noticed in my cousins that didn’t reach their potential is the limits placed upon them by their parents. They were cursed out, dogged out, put down and their spirit was destroyed. Me on the other hand was told I was great, smart and capable. In turn I lived up to the words that were spoken into me. And they lived up to the words that were spoken over them.

Back to south LA. The prevailing mindset in the African American community in South LA is one of woe is us, its not possible. They then use this to sit on a train with their hand out when they have 24 hours to be out there getting it. In these United States. They could and should be working deals with the merchants and wholesalers in the city to sell their merchandise on the corner or sweepign floors or mowing lawns or cleaning or ANYTHING productive. Instead, since they have been fed lies about the possibilities, by their own, they have amounted to the words that were spoken over them.

The problem is that you get what you speak. By speaking that it isn’t’ possible you ultimately create a world where things aren’t possible for you. The problem is our beliefs just suck. Many of us are surrounded by defeated people with a poor outlook on life not based on what is possible but on whatever misinformation they have been fed by a quitter. Therefore we look over opportunities daily (poor = passing over opportunities repeatedly). This is what those men sleeping on the train in the middle of the day are doing. Instead of seizing the opportunities they are falling prey to the words that were spoken over them.

It hurts that these people don’t think that better is possible for them but I am more concerned about the people reading this blog. Are you someone who listens to the lies fed to you by liberals and smart social media naysayers? If so, you are limiting your greatness. I want you to know that there are no limits to what you can achieve if you believe you can achieve it. Yes in America and yes under President Trump. Words are seeds guys. And those seeds can be planted to surmount any circumstances you come from. Even if all the things that social justice warriors say are true I still want you to forget about them and press on. A bee flies because it doesn’t know that it isn’t supposed to fly. Be the bee.

Get 25% off the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

You can also sign up for our Cannabis Investing Course at: https://t.co/RNYtQjlBkY

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

I encourage you to invest with us and join our partnership.  We are doing a great work and if we keep up the pace we can be into twelve doors before the middle of next year.  We are also going to buy a truck by midyear.  If you want to form your own contact us for a consultation and we will walk you through the process.

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  Email membership@capitaltodd.com today to join.

Thanks for reading!

Be great, invest well,

Todd Millionaire