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Don’t Call It A Comeback: Investing Ain’t Only About Big, Known Names

Welp it’s not quiet a comeback y’all but I’m back. The terms of my employment prevent me from investing outside the firm and I can’t offer specific advice on individual trades but I can talk about broad market aspects and financial strategy. Which means…… HERE I AM!!! Charles has graciously consented to allowing me to blog I’m not sure how often I’ll post don’t wanna push the envelope too much with “The Man”, but whenever I have something relevant to say you will here it! And here’s my first thoughts below.

I’ve been investing now for a dozen years; 12 years personally and about 5 years professionally so I think I’m versed enough to offer this perspective. If you are only investing in the big names you not truly investing to seek true financial change and freedom. Now don’t get me wrong, the 30 big Dow companies and the blue chip stocks have their place. Truthfully they are the stabilizing core of the equities market. But they are meant to be the anchors not your investing center pieces.

There’s a reason that the Dow 30 and the blue-chip stocks are so heavily respected; on average the age of these companies about 50 years old. They are ingrained in the fabric of the Wall Street culture and history. But what makes them most reliable is they are not as vulnerable to huge losses and market hysteria. They often provide steady increase of your capital and might even pay a healthy dividend for your support. Which is why they should be apart of everyone portfolio as the cornerstone but not the central figure.

The goal of most people investing is the steady increase of the funds over time or the rapid increase over a short period with the big score. The big names offers the latter but often time by the time you’ve acquired shares on the market their most excessive rapid profit giving days have come and gone. They no longer are risky enough of investments that if they strike gold your investment will have a 10, 20, 30, or even a 100x return. And this is the focus of my statement.

Also present within your portfolio is the forgotten, the ignored, the small names but more often than no the unknown! These will be your small cap companies(companies with $1B market cap and under), the ones you have to search for. Not that the information isn’t available their just not as visible as others. I learned this years ago by watching famed former hedge fund manager Jim Cramer. Cramer never just focused on the big knows when providing insight on how to make his viewers money he considered the whole market.

And with like anything else on the market there are indexes that play this sector in mentions. The Russell 1000 index is an index that gives you broad exposure to these small cap potential blockbusters I’m referencing here. Among its listing you’ll find hundreds little know corporations that you begin research and discover if this calculated risk suits your investing strategy. Of course not all these securities will fit you but if you devote time to reviewing them over the next several weeks I guaranteed you’ll find at least one gem among the offerings.

Jamaal W. Vetose

Financial Analyst/Consultant

Find your purpose or you’re wasting air

We all love Nip and we all quote this line but I think we quote it using the cliché follow your passion thinking. When I was reading Ash Cash book this is exactly what he did. I was thrown for a loop.

Ash was equating purpose with passion and I was like nah fam. Nah. We think that passion equals purpose and I am here to tell you that it is not.

Passion does not mean purpose even though we would like for it to. We want to do the work we enjoy while the big problems pass us by and never get solved. “That’s the government’s responsibility fam”. Stop it. There is more to life than merely being passionate about your work. There is more to life than merely doing the things YOU enjoy.

I believe that PURPOSE is about doing the work that matters not merely the work that you ENJOY.

Purpose: Something set up as an object or end to be attained (https://www.merriam-webster.com/dictionary/purpose)

Passion: Intense, driving, or overmastering feeling or conviction

So what do I mean by this? I mean that for men, your purpose, is to love your wife like Christ love the church because God wants women to have husbands whether they deserve them or not. Christ loves us unconditionally whether we deserve it or not. Therefore you must love your wife not based on whether she does the things to warrant your love but because God mandates this.

Your purpose is to leave an inheritance for your children’s children. It is not the governments responsibility to do these things. Therefore, you must do the work, make the sacrifice to see this through. It wont be easy but it will ensure that future generations start where you end not where you began.

I believe our purpose is more focused on the things we are put here to do not just the things that bring us pleasure. Chasing pleasure is why men duck their responsibility. They do what they want not what God requires. In turn they under achieve because they chased what felt good and not what is required of them. Chasing pleasure is why people leave marriages when its not “perfect”. Instead of learning through the struggle they blame the other person and move on. The person who does this misses out on the growth because usually its YOU who is the problem not your mate.

I believe your passion can drive your purpose but your passion should not be substituted for your purpose. If we focused more on our purpose (solving the problems in our community that need solutions) we would have less rappers, strippers and athletes and more entrepreneurs and business owners. Job creators not professional complainers. The purpose is to plug the gaps that exist in our society with our work not just get money and look good while we aren’t doing good. If successful people did this we would have safer neighborhoods because they would focus on the problem not just being the one that made it out. What is your purpose? Its bigger than a few bucks.

Why is this important? It’s important because the follow your passion stuff doesn’t yield the true results you want in life. Life comes to the people who do what they are supposed to do not merely what they enjoy doing. We need more people doing the work not just the grinding to buy expensive things or worse, foregoing the work to chase a pipe dream that never manifests. Too many aspiring rap stars and athletes, we need more trades fam.

We must do the work that hurts not the work that looks and feels good. For example: Health comes to the person that works out when they don’t want to work out. Success comes to the person that studies when they are supposed to study. Wealth comes to the person who invests when they could spend.

We, as a culture, need to focus on doing the work that is required of us not merely what is comfortable and easy. When we make that shift the true rewards will accrue to us. Find your purpose, not your passion, don’t waste air.

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

REI Leadz $100 website: reileadz.com/todd

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

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.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

Monopoly in real life

This morning in the HBCU Capital slack there is talks of buying a shell in Baltimore and figuring out the rest later. I was immediately IN.

In part this is because I know that Baltimore won’t be Baltimore for long and also because owning something and talking is better than talking but owning nothing. In all that talking you are doing you better be taking some action.

After we buy the shell the world opens up to us. We can then buy the rest of the row, we can then talk to lenders and hard money guys. We can then apply for grants and seek funding through other programs. The world is our oyster. The world opens up to the doers.

I realized though, that we just bought a shell in Detroit this week. After we bought that shell all kinds of dope ideas for what we can do with it came to mind. After we bought that shell many more people wanted to work with us. Buying something attracts the things you want.

I am no respecter of asset. I buy it all. Just like in monopoly. We are officially playing monopoly in real life. What does that mean though? Well..

Boardwalk

Monopoly is about power. Power comes through owning the whole board but specifically by owning Boardwalk. You don’t get boardwalk just by buying boardwalk, you get it by buying up the board and then flipping into boardwalk.

Every time I have played Monopoly and solely waited on landing on boardwalk I lose. Its better to own the whole board while you work on the level up and potentially landing on boardwalk in the process. I do not rely on hope, I hedge my risks while plotting on the big come up.

The game Cashflow does this for you. You have to choose between big and small deals but you have to be doing deals. The small deals get you to the big deals but many will play and only go for the big deals. They will overlook the small stuff to admire the things that they cannot have. In life, in monopoly and in cashflow the small deals get you boardwalk, looking at boardwalk does not get you boardwalk it gets you bankrupt.

Collecting 200

I made this point before, and someone “memed” it, but we live in a monopoly world where ownership determines wealth. Unfortunately many people live to go around the board and collect the “free” 200. You can’t win the game of Monopoly chasing the 200 dollar paycheck but this is exactly what people do.

Again, this world is Monopoly fam. You don’t realize it but it is. This is why you must focus on locking down the assets your little $200 can buy and then buying the assets that your assets can buy. Complete mindset shift but assets aren’t just for the cashflow beach life.

In a lot of ways assets fund the high level assets in your next life that your working income alone would never get you. You must work but you must also own. You can’t work alone and its foolish to own and do nothing. The wealthiest people in America own a lot and work a lot.

I buy everything

In life, like in the board game monopoly and in Cashflow I buy everything. If it needs rehab I buy it. If its in a bad area I buy it. If it has fire damage. I buy it. If it is the only home on one block I buy it. If it cashflows negatively I buy it. I buy it all and then figure out the rest later.

The key in this is that the ownership then allows you opportunities. I gobble up everything knowing that a few things could happen. If it flows negatively, rents can change. If its underwater, values can increase. If it needs rehab, I could come into a windfall or I could get a loan using the ARV and land as collateral. I buy everything because the power is in what you own not in what you talk about owning and not what other people own but rent to you.

Remember, the lending conversation is different when you have a balance sheet as opposed to when you do not. I want all the bandos.

Four houses one hotel

A while back I wrote a blog about the truck buying you the fleet not your own personal endeavors buying you the fleet of trucks. The same is true in real estate. As I mentioned in an earlier blog, our single family flip that wasn’t supposed to be a flip is going to fund the rehab on 5 more deals. One house turned into five homes.

Now the thing is this though. Since we bought right and will rehab right we will be all in on these homes for about 60k, on five doors, 12k per door. The duplex should appraise for 50k when done, the triplex should appraise for 70-80k when done. So now we turned 60k into 130k. We can then sell those off and put that 130k in cash (most folks don’t have this kind of money so competition is low) and put that on a million dollar property.

This is why you buy everything. Especially in an undervalued market. This is what Warren Buffet does, this is what Ben Graham did they just did it in stocks. Buy a lot of something that is undervalued and when the price returns to the mean you will be made rich. In this instance we are using real estate to give us the money to buy what we want but we wouldn’t have gotten there if we were saving and working, we got there by buying what we could.

So the point of this story is that there is value in buying everything even if its not on the best block, even if the numbers don’t make complete sense in the moment, even if you can’t afford to finish the project. Buy it all, figure out the rest later. This is better than sitting and waiting on the perfect opportunity because those don’t exist and because opportunities are made and lastly because the real opportunities come to owners and bosses.

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

REI Leadz $100 website: reileadz.com/todd

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.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

One door became five

Last year we bought a home from the landbank. It has been a crazy process of inspections, contractors disappearing and break ins but we are finally there.  We turned a piece of crap into a gem.

All in we have 30k in this property.  The property is worth 50-60k.  Will rent for 900 a month.

Just yesterday we bought a triplex.  This triplex will need about 30k in work and each door will rent for about 7-900.  Total revenue on that triplex is about 2400. 

So I’m sitting here thinking.  We can Keep the Oakman house, we can sell it for 50 or we can refinance it.

One one hand I want to sell it and be done with it.  We can then take our 50k and use 30 to rehab the triplex and 20k to rehab a duplex we own.  Those five cash flowing doors plus our current 3 would give us 8 doors paying us 700 which is about 5600 in gross rents – not bad.

If we keep it and do nothing we will just have a bunch of money stuck in a deal.  Not smart. 

The key here though is that we are able to sell and rehab two or refinance and rehab three and then fund the duplex rehab.  Ownership gives you options.

Ownership also puts you under the pressure to find solutions.  Before signing triplex docs I had no idea how we would rehab it without new money but now that we own it all of a sudden I have all these ideas.  This is why doing is important.  There is a certain level of genius that reveals itself when you are playing the game that you don’t see on the sidelines.  That genius, that creativity is where the wealth comes from. Fear keeps you on the sidelines, fear keeps you from finding your genius.  Fear keeps you from reaching your goals.

This speaks to a principle I stand on and that is that your assets and small deals can propel you into big deals.  Four green homes is one hotel for a reason.  The homes fun the hotel not you.  There are steps you must go through.  Every successful investor started out buying what they could buy.  They don’t talk about the ugly homes they once owned but they have all owned them. 

Now they buy what they want.  I am also to the buy what I want to lane but I got there by buying what I could buy not what everyone says I should be.  Be great and level up.

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

REI Leadz $100 website: reileadz.com/todd

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.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

Wealthy communities are built through creation not competition

The other day I was thinking about how many people benefit from the podcast. We have an editor, a graphic designer, multiple sponsors, guests, co hosts and of course me, your host. What is important is that this was just an idea I came up with. I called Jamaal or Lance, whoever the first guest was, put my cellphone on speaker and we recorded a conversation. From those conversations was birth an economy. This is just a small example of what happens when you create as opposed to competing.

Another example is the entire Todd Capital family. An idea that I had has turned into an organization of stock market investors, real estate investors, property owners, landlords, property managers, sales associates, CFOs, COOs, presidents and vice presidents. All from an idea. This IDEA created community wealth not just Todd Milli wealth.

The root of this post comes from the book The Science of Getting Rich. In that book the author makes the point that “wealth comes through creation not competition over what has been created” and that “when you obtain wealth through creation you allow thousands to come after you” but “when you obtain wealth through competition you stamp down the efforts of others”.

I believe that we all need to be creating and here is why.

Wealth is about community

I know this might be shocking to you but getting rich isn’t just about how much stuff you can buy. This morning I saw a quote by Dr. Boyce where he speaks on athletes and entertainers who have massive wealth and buy cars and diamonds but don’t build a school that might cost 1 million dollars. These people are fools. They get rich for themselves and let the community struggle.

Meanwhile Mr. Unknown Billionaire has a building at Yale or a school named after him in his honor. In all that money you are getting make sure you put your community first fam.

When you make your money by creation you automatically enrich your community just by the nature of business. I can’t scale my business without paying people which then enriches their lives. I can’t market and advertise my business without adding value to the entire world even if they never make a purchase. My media is available for all so by putting out the media I uplift the community. Some buy, some don’t, all will be enriched. The very nature of creation allows the community to grow not just my pockets.

In turn of course, as mentioned above, all the people connected grow as well. People gain skills, connections, a portfolio. All because I took my skills and brought them to the world and not just my job. Creation allows the community to win.

Creation isn’t about the money

This is very important. Creation should not be money focused. In the book Start With Why he mentions that all the great companies you see today didn’t say “how can I make money” instead they thought “how can I change things”. The money follows, but the money isn’t the primary focus it is a side effect.

You have been chasing money your whole life fam and you have only gone deeper into the hole. How about you start chasing changing things and see how that works for six months.

When you chase change you don’t count the hours, you don’t spend the profits you don’t over charge and under perform. This is so important because you have to fall in love with the process not just the money. This is why money has to come second.

Put the money second and put changing things first and you will get both but if you chase money you will end up with neither.

Creation opens doors for others

Creation as mentioned above has opened many doors for the people that follow. I can name countless people who started with us and then bought their property. Or who started with us and then started investing on their own. Or who created a podcast or who took the skills they gained with us and then got a new job. My effort toward creating something has now allowed other people to do things.

We see this in tech companies who had staff that went on to start a whats app or some other company that made them billions. Their act of creating something new opened up new lanes for other people to create something new. When you create your community wins. When you compete you get a paycheck. You must go out and launch into uncharted territories because people are counting on you. They are watching. They are cheering you on in silence.

Competition kills community

Competition is crap especially among people in the same community. Competition and community literally have nothing to do with each other. Competition is why gangs beef. Competition is why black folks wont support other black folks. Competition is why the black community is losing. We see each other as a threat and not as a potential partner or investor. This is lame and it must end. Competition is promoted because it benefits those that are not in competition. Competition indicates scarcity. When multiple people compete for a job, the wages go down. When multiple people compete for a property they overpay. When businesses compete their prices fall. When we compete we lose and they win.

We must choose community over competition.

So in conclusion. I hope I beat if over your head to create something the world has never seen. Don’t go out and try to do what you see someone else doing fam. If they are doing credit repair, let them have that and find a new lane. If they are flipping in Chicago, let them have that and do their thing. If they are buying rentals in Detroit let them do that fam. Find your own blue ocean. The red ocean looks attractive but it is bound to drizown the more of us flood it. The red ocean is why hot stocks fall and hot markets fall.

In order to have a community we need more ideas and less copying. We don’t need 100 trucking companies but we need trucking companies. We don’t need 100 rental properties owners but we need rental property owners. A healthy community is evenly distributed across industries. Following what others indicates scarcity and scarcity and wealth have nothing to do with each other.

Remember. Competition. It benefits others. Creation benefits your community. Be great.

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

REI Leadz $100 website: reileadz.com/todd

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.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire


Be Conscious of the Spaces You Occupy

Environment is everything. I realized this at a young age growing up in the suburbs and how our lives were completely different from people close to me who weren’t as privileged. Being in the right environment puts you around people who are doing things, creating things, living a clean life but it also removes you from negative influences that can hold you back.

Me being the thinker that I am, I realized that if you become the world that is around you why don’t I place myself in the world that I want to become?

One of the ways I do this is by working in downtown LA and at one point living in downtown LA. All of Los Angeles is not the same. I don’t just enjoy Los Angeles, I have a particular affinity for the city. The buildings, the cars, the suits, it is all inspiring for the life that I live but also the life that I aspire to live at an even higher level.

When you are around something you become that thing. Mostly by nature because you want to fit in and not stand out. So you work harder, you stay later, you dress better, you drive better. In Los Angeles nobody drives non luxury cars. In Los Angeles nobody wears non luxury brands. Its just beaten into you.

What I like about this is that it pushes you. When you are around things like this and you want them, you find out that you can attain them. You find out that they are within reach. You also find out that you can’t do the same things that you were doing back where you were, when you are here.

In Los Angeles we work way more than 40 hours a week, we work weekends, we work holidays, we do what it takes to live the life that we want. And we ultimately live the lives that we want.

Downtown LA brings something out of you. The inspiration pushes you. The lifestyle keeps you up at night. I would rather work in downtown LA and make less money than work somewhere else. In fact this is exactly what I did. I had two job offers when I took this role. One was in Korea Town and the other is in Downtown. I took a little less to work where I want to work and have parlayed it into a brand and events and more to come.

I write this blog post to challenge you to be conscious of the spaces you occupy. Be conscious of the places you frequent, where you live, where you work, where you socialize. The impacts are far reaching.

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

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.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

Outside business activities

This week we lost our investment club president. He started a new job at a financial firm that we wont name but this firm has certain mandates that limit where you invest and also limit activities you engage in that involve investing.  One of those is a clank clank on participating in investment clubs. 

This reminded me too much of my time in corporate America.  When I was working for Edward Jones they had us on lock. I sent out a tweet about Build America Bonds and got an email to take it down.  You literally could not exist on the internet, only through their old form of door knocking were you allowed to promote yourself and bring in business.  This is ridiculous, it is limiting and it is antiquated thinking.  These days social media is the new door knocking except you can knock on all the doors.  

When I was working at Chase we were limited in our investments and we couldn’t participate in any clubs.  What is silly about not being able to participate in clubs is that our leverage and success has all come through teamwork.  We couldn’t do what we are doing if not for other people.  

Another common complain professionals have in these environments is their non compete clauses. If you work in a CPA firm or other finance related firm, you usually sign documents that prevent you from starting a similar business.  They prevent you from bringing in clients or consulting on the side.  You have to ask for permission. 

So the problem with this is that it stunts your wealth.  You become a slave.  You become someone whose sole source is that employer.  They determine how much you make which then determines where you live, where your kids go to school and what kind of a legacy you leave.  This is dangerous and I cannot subscribe to it.  

We all know that wealth and jobs have nothing to do with each other.  Therefore, if you are at a firm like this you must know that it can only be short term.  You cannot become beholden to that organization and only that organization. There is no wealth there and our goal around here is unlimited wealth not a fixed income. 

Another thing is that you must move through entities.  Todd Capital is not me, Todd Capital is a separate and distinct entity set apart from me. Additionally, Todd Consulting is not me. Therefore, I am not in conflict of any agreements not to compete if I were signed to one.  

One of the most valuable things you have as a professional is your skills.  What I know is that you can make more money in the world than you can at your job.  The problem is when the job limits you to just making money through them.  You can’t fall into this.  Its your responsibility to find a way.  There is so much money when you bring in business on top of your job.  The income is unlimited and it’s the same skill.  Trust me, your skills are valuable. If they were not your job would not pay you and the clients, you serve would not pay your boss.  

The point of this post is be careful of becoming beholden to a job.  Avoid opportunities that limit the wealth you build with the promise of future promotion and a nice sized paycheck.  Traps don’t look like traps they look like treats.  Be great. 

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

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.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

The more VALUABLE you become the more FREE you become; The value is in you not in the platform

I lost my twitter yesterday.  They snatched it. All 9k almost 10k followers GONE.  Darn. 

I was upset for a little while. I sent multiple emails. Considering suing both Twitter and UMG.  Then I created another twitter and started firing off tweets.

They suspended my twitter because a while back (2018) I had posted some random video that had copyrighted content – it was like a jay z video.  I didn’t make any money from the post, I didn’t even remember posting that tweet, but these days people can find their intellectual property via a search and then they use that to make a big deal out of nothing. 

I actually have a photo licensing company writing me letters over a bitcoin picture I used on a blog post. These lames need to find something better to do.  They killed a ten-year-old account over some nonsense.  I love twitter. 

Twitter isn’t like every other social network.  Twitter is different.  Twitter is probably my favorite social network.  I have been using twitter since 2009.  I was drawn to twitter from days when you could scroll the status updates on Facebook.  That was fun to me.  I think my love for reading and words is why I am drawn to the site.  Back to the story. 

Overtime my twitter has changed from debates and party promo to something deeper.  Twitter to me is therapy.  I do so much reading, so much thinking, so much absorption of content that I have to get it out of my head.  If I don’t, I will go crazy.  I tried to just cut off twitter today when they cut me off but I immediately felt the release when I fired off that first tweet from my new account.  Twitter completes me.

As I was sitting here though I realized that particular profile isn’t valuable. The value is in me.  This means I can take that same value from one page to the next.

I realized the same thing when I left one job to go to the next. I realize the same thing now that I make more money in business than on my job.  What I realized is that the more valuable you become the more free you become. The opportunity isn’t valuable, I am valuable. The partnership isn’t valuable, I am valuable. This means I have the freedom to stop engaging in jobs, partnerships, relationships that do not serve me. I can take my ball and leave. 

This is so important and its is a big part of the choose yourself line of thinking.  This is empowering.  Love me or leave me alone. 

A lot of us talk about IG going away and having our own platform but I realized that I have been doing this.  Before IG we had Facebook, before Facebook we had myspace. Fam, at one point in time we would promo a party through mass texts.  We would just blast out texts.  My first ever college party that I through at our freshman orientation was promoted on sticky notes.  We just wrote our dorm room number on sticky notes and had it popping. I have BEEN doing this.  I have been making things move.

When things like this happen I just see the “set back” as an opportunity to pivot and grow.  I’m inspired.  I am not let down.  I’m not worried about yall because I’m already me.  My only responsibility is to become more dope not to beg twitter to take me back.  Ill take my value to page number two. 

Maybe the fact that the 10-year-old twitter I was using got killed on my 33rd birthday was truly the push I needed to change things and start fresh.  I have political aspirations and I would hate for some 24-year-old me tweets to surface and make me look like a monster.  I am 33 now, I got to sleep at 10pm on purpose, on the weekend.  I don’t want the old me to be carried into the new me. 

Nevertheless, I’m going to keep dropping business and investment fire via the new one and I’m going to keep building this Todd Millionaire empire.  We are growing, we are doing more, we cannot stop.  We cannot be stopped.  We have a culture to change.

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

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.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

If you don’t own a home, you are homeless

When I posted this on the timeline someone got upset.  They said that the tweet was insensitive to actual homeless people.  When I said that I could care less, they then responded that I am a bad person because I couldn’t acknowledge that I was wrong.

The reason I didn’t back down was because the post was true and it was harsh so that it motivated you to move. Are there people who would get their feelings hurt? Probably. But that doesn’t make it less true.  In my family we have a motto and the motto is this “sometimes you have to be willing to upset people”.  We have gone through constant instances where we shared the harsh truth with someone, they got upset but that anger pushed them to move.  Whatever gets it done. We are here to make moves not be comfortable in mediocrity. 

The main point

The main point of this was to get people to embrace the reality of their situation.  Folks are homeless and they don’t even know it.  You don’t own that apartment. Your landlord can kick you out whenever. I know you think you have a lease, but any lawyer can find a way around that.  Being a tenant is like being an employee.  You are at the whim of the owner. Your boss can fire you whenever the feel like it.

Home ownership is not just the money you spend on a mortgage or the equity you get down the road, home ownership is power.  If you don’t own a home, you are therefore powerless and also homeless.

I saw a post that said if you think starting a business isn’t great for your wealth just ask your boss how he is doing. Every job was put in place by and entrepreneur who took the risk.  Your apartment has an owner and he enjoys the benefit of ownership via your tenancy. 

Keeping it 100, if you have an apartment you are not actually homeless, but you should conduct yourself as such.  This was a statement to motivate you not to insult you.  I am mean but its because I love you. I am an intensive care bear

Home owners are better people across the board.  Home owners are wealthier across the board.  Yet so many of us are content renting our dream as opposed to owning what we can afford.  One thing I have realized is that ownership grows you. I believe the same must be true when you own your source of income in your business. It grows you. You become who you need to be while doing not while thinking about doing. 

Now that I am 33 I realize that life is long. So many of our parents made it seem like life is only good when you are young but they lied.  Life is great in your thirties, its actually better in your thirties.  Why is this important? Its important because too many of us live for the now and not for the five years form now.  We don’t delay gratification we want that luxury apartment now. We are bougie but renting.  We rent luxury now because we only see now not five years when your rent has increased.  Had you been smart enough to own the mortgage would have stayed the same and your equity would have increased.  Tune out the noise from fake smart people. 

The point of the post was not that you are homeless, but to act as though you are. 

Property taxes

Another person made a comment that you don’t truly own if you have to pay taxes.  My issue with this, outside of the fact that you have to pay taxes not just via home ownership but when you make purchases and when you earn income, is that we often times use one small thing to defeat an entire argument.  This is basically the “not all” of the home ownership debate. 

Too many people think renters don’t pay property taxes.  Too many people think that taxes don’t mean ownership.  Ok.  Enjoy the projects. That is the only place you can live and not pay taxes.  Renters pay taxes via their rent which is enough to pay all of the housing expenses and pay for your landlords range rover.  And taxes are just a matter of life in these United States.  I am just tired of the excuses to stay poor from people who complain about being poor.  Boss us or enjoy your poverty with a smile. 

I’m tired of the excuses. I’m tired of the reasons why it can’t work or why its not nice or why this one thing makes it not true.  At this point you can dip or don’t trip.  You can accept these words or you can not.  We eating over here.

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

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.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

Todd Capital Monday Email 8.19

Greetings Family:

Its been a while since I dropped a Monday email but expect these for the next few months.  #weback

To start, I feel like the investment club has lost its umpfh.  I want to bring that back.  I plan on doing a lot of things to do so.  I don’t want the stock club to be some after thought to the other fun things we are doing.  

Some of those momentum moves look like IG lives, of course the conference calls but also just trying to get some more action in slack.  The more we talk and share the more we learn and the more we learn the more we earn…. Continue to share your thoughts and your ideas. 

A few people have learned a little and decided that they can do better on their own.. Ok.. (Jay Shrug) I don’t think the investment club is something you do to get started investing. I don’t think it’s something you do when you can only invest a little. I believe that investing as a club is mandatory for all serious wealth builders.  If this were not true, private equity funds, hedge funds and partnerships among the wealthy would not exist.  The club is really just a private equity fund for the every day person. 

I also feel like the investment club is important because the community needs your contribution. They need your input, your point of view, your knowledge.  Don’t rob the community by hoarding your knowledge to yourself.  

So, with that said, I’m bringing energy back to this thing. More activity, more movement and not just from the new folks.  I want the OG investment club members to chime in too.  There are still a lot of people here.  

In regard to the market, things are very interesting right now.  Stocks are going down hard and then we have some good days like today.  A lot of companies have been hitting 52 week highs so the correction was bound to happen.  The important thing is that we pick quality and bet long.  I don’t want to time anything I just want us to pick what we love. 

Another thing, I don’t buy into the talk of terriffs and interest rates killing the market.  This is silly and should not drive our decision making.  Our goal is to buy great companies and to continue to buy good companies over time, systematically, every month.  We have kind of been doing that but I want to get back to that. 

I wanted to also let you all know that we will be shutting down the bivio side of the investment club at years end and going voleo exclusively.  This will hopefully get to you before Christmas just in case you wanted to ball out but if you do want to move it into your voleo that is fine as well, that is what I will be doing.  

Last thing is that we will be electing a new President at the end of this month. Currently we have two people who have volunteered.  Pierre and Taizhier. If you want to be in the running just let me know on the side and I can get you on the ballot.

Other than that, its business as usual.  Let’s make some trades, lets have some fun, lets continue to build up our resources but more so our investment knowledge.  Thank you for being a part of Todd Capital.  We are nothing without the members. Tax info to come soon for real estate folks.

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

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.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire