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Three ways buying in your own backyard can limit your investment success

Everyone wants to invest in their own back yard. This is the current cliché real estate investment advice. I believe this advice is malarkey. I actually think that it could limit you. Here are three reasons why I believe investing in your own backyard and being so focused on only investing there will limit your investment success.

There are a lot more places that you don’t live than where you do

People who invest where they live want to invest in places where THEY would live. They are going to be visiting the property and if they are house hacking even living in the property. This could cause you to take a lower ROI because lower risk equals lower return. It could also prevent you from buying good deals that might not look as pretty because you are too focused on YOU and not on the tenant or opportunity.

This is silly. All dollars are green and hood people need homes too. I don’t invest where I want to live, I invest where someone would be willing to live. It doesn’t have to be me, just has to be someone. Another thing is that you only live in one market. This means that you are missing out on the 49 other markets out there that could be making you money. This limits the hell out of you.

I want to encourage you to buy deals not buy what you like. To buy where the money works not where you work. The ROI is likely going to be better and the competition is going to be less stiff. This is a hack that most aren’t aware of.

Now that people are flooding into Detroit I am not worried. I am not worried because people don’t want those hood problems. The same is true in South LA. These days the deals aren’t in Rancho or in Beverly Hills, they are in Gardena and Compton, places people wont go. My experience has taught me that even if I am local I still won’t be the person driving by, my experience has taught me to get things done through people. Now, I can get that Gardena home and not be worried about having to dodge bullets only collecting checks.

Causes you to force things instead of finding things

Investing in your back yard causes people to make mistakes like buying and hoping and not winning on the buy. We invest where the opportunities are, not where we are. By taking this approach we aren’t married to any market.

Too many people are married to their market. They gotta invest in this market and they gotta invest now. This causes people to overpay, to over leverage and to get left holding a bag when rents turn, and rents will turn, rents are already turning. Those that don’t make bad investments end up not investing at all and that is even worse. So many people only want to invest if its in Vegas or in San Diego or Arizona. They want to invest where they are comfortable. The want to invest where there is no value. All investing is value investing though. If there is no value in your marketed, you need not be there.

We, instead, found the market that worked instead of trying to make our back yard work. Because of this we are safe af. While others are losing value we are gaining value. While others are upside down we can’t lose. Investing in your own back yard is silly, its cliché and its going to hurt a lot of people.

Creates a job not an investment

A lot of people say they are investors and all they did was create a higher paying job. When you invest in your own backyard you spend your weekends walking deals or mowing lawns or dropping by to check on things. This sounds like a job not an investment. As an out of state investor we can’t do anything without help. Can’t even get the water turned on without help. But this is what bosses do. Your boss hires people to handle tasks and that’s what allows him to scale and grow. You mow your lawns and that is why you only have one lawn. As an investor its your responsibility to focus on investing not on plumbing. By investing out of your back yard you have this luxury, by forcing it where you are you become tempted to save a few bucks and do it all yourself. You might save a little money but you miss out on the big money that comes with scale.

So this blog is because I realized a few things. I was on IG and a friend posted a multi family in Gardena and where at first before I started investing I would have been scared now I’m like “what are the numbers”? I got people for Gardena. I don’t ever plan on visiting the property, Ill let others handle that. And that’s because I am an investor. An entrepreneur. The glue that holds this thing together. I don’t have to be present I just have to be the brains.

In closing, stop following trends and start being Ralph Lauren. Strike out on your own and stop following conventional wisdom and dogma. That is not how you make money investing. You don’t make money doing what everyone else is doing. This is true in Bitcoin, in flipping in investing in apartments. Anything that everyone is doing is bound to fail in due time. Investing long distance might be one of those in the near future because folks are starting to get nuts with these prices. That said, as Paki said in Episode 112 “can we get money now?” I think that now is the time to zig when they are zagging and while everyone is grabbing multi, grab those out of state single families. That’s what I did.

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

Don’t Believe the Lies; Big Investment Follows Big Work

I saw something on IG today that said “working hard doesn’t create wealth” and it rubbed me the wrong way. I hate when I see that kind of stuff because I think it gives people a pass to do nothing and plan on wealth through some gem, some silver bullet some short cut.

Keeping it real, I was one of those people actually. When I was younger I knew that I couldn’t get rich on a job so I did terrible work on the job. This caused me to lose jobs and lose a base that would allow me to build wealth. I thought “work smart not hard” and I got fired.

These days though, I go in. I work a lot. I work seven days a week. I work 12 hours days. I do not take days off and I do not take holidays. Last time I took a holiday I was sorely disappointed at how lame it was (*cough 4th of July*). Thanks social media.

That said, if wealth doesn’t’ follow work I was confused as to why I was able to invest harder than most folks while I also work harder than most folks. I work harder than everyone and I also invest harder than everyone. I have very many streams of passive income but I also have massive streams of working income. I realized that massive investment follows massive work.

For those that work a lot, you realize that a hidden benefit is that you don’t have time to spend money. So not only am I making more than others I literally don’t have time to spend it. Therefore I must put it somewhere. I put it in the stock market, in my business and in my real estate investments. I have ultimately forced myself to build wealth by not having the time to waste it.

Another thing is that if you both make $50 and hour and you work forty and I work eighty I just doubled you. But when I get home im not watching Love and Hip Hop im learning how to make that extra forty work. I call this the forty forty club. Forty to live and forty to build. Wow, hard work made it all possible.

And of course, Ayesha Selden gets to invest big because her great career that she hustled at 80 hours weeks has allowed her the income to live and invest. So the nonsense of not working is just lazy talk. I will not allow it. Smarten up guys.

Back to me. By actually giving a damn about the 9-5 I lock in a guaranteed base that merely ensures that I wont be homeless and hungry. The job is not supposed to make you rich, it wont make you rich but that doesn’t mean the job isn’t’ necessary. The job IS necessary, until it isn’t. The job is necessary until all that hustle replaces it with security known as consistent passive income.

The key here is that I don’t sit around doing nothing talking about “I work smart not hard”. No, I work smart and hard. I 10X, I do more than enough, I work more than enough, I read more than enough, I listen to too many podcasts. I will out work you and out smart you. *Insert Leo gif*

Its not either or fam. Its all of the above. So chill on the “no hard work” nonsense and go all in. We need more workers and less waiters. We need more builders and less beggars. Its possible to both fam, I promise.

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

Leveraging Cost of Living Arbitrage to Invest Out of State

This weekend in Watts I learned that I have a super power. The power to find investment opportunities and give people the ROI that they can’t get from their bank. I didn’t know that I was doing this but in doing this I realized that I overpay a lot of my investor partners. Most people who do what I do kick their peeps a smooth 8-10% and they keep all the upside and their partners are happy to do it. Idk if I will go that route but maybe.

One of my current themes though is cost of living arbitrage. This is when you invest out of state using high cost of living state income and savings. The salaries in the top states are reflective of the property values and rents and vice versa. In low cost of living states the earnings are less. In high cost of living states the income is more. This creates an opportunity where many might not see it.

If you live in California or New York or Florida you might not be able to invest in your state. Its nuts right now. If you are lame you will complain. If you are a winner you will instead find a way to win. What I have found is that you can use your high income and savings to instead invest in rental properties and flips out of state and then use that income to comfortably live locally.

An example of this is Ayesha Selden. She recently bought a home in Los Angeles and pays for it with the rental income from a Philly Triplex. I purchase property and businesses where it makes sense like Detroit, Baltimore and Atlanta but at the end of the day the money is still green. Just because you make it there doesn’t mean you have to live there. Immigrants know this. They do this all the time when they take Compton money to Beverly Hills.

For example. If you live in So Cal and you have 20k you would be prevented from buying because 20k is a down payment on a 100k home and there are no 100k homes in Cali. And that is saying a lot because most people don’t have 20k in the first place. Even if you wanted to house hack you are then buying a liability not an actual asset. So if you look at where you are in your own backyard you would be limited to just going to work. That is what these folks want from you. They don’t want you free they want you working and struggling and barely getting by. You must find the way. That way is investing out of state or investing in the stock market. This is how you do it. If you want it as bad as you want to breathe.

So this blog is really to push you to strategically find your advantage and then leverage it to win where you are as opposed to using the grass is greener mantra or the defeated can’t win mantra. Neither is correct. Where you live gives you an advantage if you look at it right. Where they live gives them a disadvantage.

Aside from the money, as I always say, skills are skills so just because you learn investment and real estate skills in the hood or out of state that doesn’t mean you can only invest in the hood or out of state. You have to learned the skills and then you can leverage that into bigger and better deals. It comes though. That is what we are doing. When you learn how to make money from out of state in Detroit you can do the same in Baltimore or Atlanta or Philly. The process is the same. Now the options are limitless. We can even come back home and invest because our knowledge surpasses our limitations. One of the biggest hurdles to investing locally is the track record. So we also got our track record up by going out of state.

So don’t be afraid to stretch yourself and don’t be afraid to do the actual work. Don’t be afraid to paint that home or make that call or take that risk. You are just setting yourself up for bigger and better down the line.

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

Weekly Update: Manic Monday Email

Good Morning Memberships
And a very Happy Manic Monday to you all. The stock market seems to be hitting a historical phase at this point as the S&P hit at new 3,000 point high last week. But I would caution against thinking the market is no longer volatile, the trade wars still unstable causing swings up and down from day to day. And once more, it’s that time of the year again, EARNINGS SEASON! If you recall the first quarter saw shares fall even if a security met or beat estimates, evident of how unsettled the market climate was back then. I’m hopeful that the market will return to form during this season and be grace to our portfolio. 
Portfolio Update
Since I presented you with the mid-year analysis about two weeks ago our portfolio has gone from being even at $50,000 to being up about $3,000. That’s a gain of about 6% in just 10 trading days. The gains are driven by P&G and Mastercard(who were already up 21% and 34% respectively) expanding on their gains. But in addition, securities(Netflix, Square, & UnitedHealthCare) that had be relatively flat all have had gains. Gains that have worked out to an average of about 10%. 
Survey Results
I appreciate all of those who took the time to submit their answers for the survey on last week. The returns were a modest number but will he used to gain a feel for what the group would like done for the second half of the year. The results will be thoroughly analyzed between myself and Charles, which should allow us to give you a report on what that changes if any will be taken in the next week or so. Stay tuned in for updates. 
Administrative Updates
In regards to the Voleo platform I have been granted access to Group B which I have started to review. I still don’t have access to Group C as of yet but I have sent another email to the Voleo CEO in regards to that problem and hopefully this will be resolved in the next day or two. I will say that I can tell from what I already see that consolidation will need to be taken with the positions that have already been taken. In some cases there are two or three positions taken in the same sector in different companies this is conflicting interest and basically has the portfolio competing against itself instead of working together. To give you an honest timeline it’s going to take me to the end of the month to make the changes in each group, I don’t want to be rash and just make unilateral decisions. Proper analysis will need to be done so if you will bare with me I’d appreciate it. 
In other administrative news I would like to official introduce you all to LaQuida Chauncey, the new VP of Membership Services. From this day forward you can forward all your questions, stock suggestions, new membership inquiries, and etc; basically all membership needs will be handled by her. She will also be handling the request for the RE that will be handled by Charles and the team over there who handles who questions. Please grant her the curiosity and understanding that you have shown me, Candace, and Charles before her.  She can be reached at the club general email address: info@capitaltodd.com
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 

Todd Capital Investments
President
443-903-5162

Five sources of income other than your 9-5 that a black man MUST have

As a black man you must diversify your sources of income. We are often times underpaid, under employed and most likely to be let go because we are held to impossible standards. This is not a reason to be a little b though. I will not condone your b ness.

Here are some other sources of income that black men can and should engage in:

Consulting

The skill that you have perfected on your job should be turned into consulting and freelance work. The book Rich Dad Poor Dad speaks on the idea of working to learn not to earn and this is why. You don’t get rich on your job, you merely learn the skill that will get you rich, on your job. From there, you MUST market that skill to world to earn your fortune.

Let me give you an actual example. Lets say you make 45k on your job as an accountant. If you can get 10 bookkeeping clients a month that pay you $200 a month that is an extra $2,000 per month. If you can also get 100 tax clients that pay you $250 that is an extra $25,000. In total, you just doubled more than doubled your income.

The thing about doubling your income is that in year two you will double your clients because of referrals etc. You will also become more efficient. Then year three you will double again and at that point you have a full fledged business with staff.

Do not rest solely on your working income. Use those skills to earn for your last name not just for your bosses last name.

Part time work

A lot of people say that two jobs are for two people, I disagree. Two jobs are for people who want to get ahead. If you can’t get a great wage per hour it is your responsibility to work more hours.

One hidden benefit of part time work is that it keeps you from spending money. When you work evenings you don’t have time for bottle service. When you work weekends you don’t have time for day parties. This saves you money not just in the actual money spent going out but it saves you money in the clothing, grooming etc that you waste trying to look good for people who don’t even like you.

A part time job should make you at least an extra $1,000 per month. If you are smart you will get a tip driven or results driven part time job and do even more. I was listening to a podcast about a guy who had a daytime job and he sold insurance in the evenings. When he started making more at insurance he quit the day job and went full time in sales.

If you are a black man it your responsibility to go out there and earn for your family. Every second of every day should be focused on bringing in the bacon. This includes weekends, evenings, holidays. There are no unpaid days. Leisure will come after you earn it not while you are earning it. A part time job is an easy way to get an extra grand coming in each month.

Investing

Now that you are making all this money it is your responsibility to stash it and make it permanent. Take your massive income and turn it into passive income. This can be done through the stock market or through real estate.

In doing this you have to keep in mind that you have to bet big to win big in stocks and real estate. This means that all those thousands should be stashed, not spent. Stay broke, stay hungry, put that money to work.

Keep in mind that just because you invest it doesn’t mean its gone. Investing is not like spending even though it can sometimes feel the same. When you move money from your checking to your brokerage you didn’t actually lose the money. It is still your money its just in a different place. When you throw money at a home you didn’t spend the money you just put it in a different place. This is wealth fam. Soon it will grow and continue to pay you.

A side hustle

Now that you have your consulting, investing and part time flowing you need to create other streams and businesses. These should be in your same lane. The beauty of staying in whatever your lane is is that you are always promoting it even when you aren’t promoting it. You also have a deeper knowledge and interest. My side hustles are my podcast, this blog and other real estate related and investment ventures. All provide people multiple places to pay me. You can only have one job, but you can have as many hustles as you want.

Affiliate money

Affiliate money is bae. When you are an affiliate you make money by selling other peoples products. Almost every social media influencer with a course has the ability to bring you on as an affiliate to sell their course to your market. Take advantage of this and reach out.

The best type or products to affiliate are the high dollar ones. If you have a strong social media following you need to market and promote other peoples products to bring in another $1,000 to $2,000 in income in.

So the key in all this is take a lot of action and movement and bring in money every day not just within M-F and 9-5. You owe it to your family to maximize every day not just count the days as they go by while you wait for that next credit card funded vacay. 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

Weekly Update: Voleo And Survey Link

Greetings Membership,

This week’s update is going to be more administratively focused than stock updates and portfolio performance. The overall portfolio doing pretty well since last week the value is up nearly 1.5% or $1000. Of course this is lead by our two best performers P&G and Mastercard. But actually since last week’s review every single security is up a couple percentage points except Tilray. 
Voleo Controls

I’ve spent the better part of the last two weeks discussing with Charles and the CEO of Voleo about different scenarios and controls that can be put into place so that all three groups are better managed by me and Charles. The first implementation will be my addition to all three groups. Thomas(CEO Of Voleo) will make sure I can view conversations and movements in all three groups by the end of the week. We also toyed with the idea of only Charles and I being the ones to propose trades but after discussing with Thomas there is some concerns with doing that we could run into some regulatory problems appearing to operate like a fund unintentionally. So here is what will be implemented:

Voting Period – A 48hrs window be imposed on each trade proposal. There will be no extension or delay this window will be a hard deadline.
Quorum –  In whatever group a trade is propose 25% of members will be considered a quorum. This is how many people must have voted during the voting period for it to be considered valid upon completion of the Voting Period. So in a group of 100 that would mean 25 members would need to vote for it to be considered valid. Now, why 25% instead of 50% that was base off my analysis of the club interaction. A good portion of our members operation as “silent partners” they invest but don’t necessarily vote or join in on the discussion, which is completely fine. But I’m not going to hope up club business with an unreasonable Quorum threshold. This doesn’t mean only 25 members can vote the more the merrier but at least 25 must vote for business to be conducted. 

Proposal Majority – 51% decision either way will be considered the simple majority. This is based upon the total membership during the voting period, and of those who voted upon closing of the voting period.  If your quorum was the default of 25 people, and for sake of example 13 voted yes and 12 members voted no at the end of the voting period, there is a clear majority of quorum so it would then become an order. 

With these new mechanism my hope is that there can be a sense of more cohesion between the three groups, like one band and one sound. That we are separated in three groups, that is merely just a platform design not that we are three separate investing groups. And perhaps this won’t be for too much longer, my understanding is that Voleo is working to make group sizes bigger, which would be perfect for us. I like being able to see this family all under one house again. 

I’ll keep you posted on further developments and changes as they come along.
Investment Strategy
As promised I have compiled a survey monkey survey to help in my adjustment strategy formulation for the second half of the year. Your responses will he used in a discussion between myself and Charles in regards to how we should proceed and what the overall direction will be. The survey will only be open until Friday so please I need ALL membership support and participation. Please find the link below. 
Jamaal W Vetose 

Todd Capital Investments
President
443-903-5162

In a lot of ways a job sounds like an abusive relationship.

This morning as I was walking into the office I felt mad accomplished. I felt good because I had another one of those days where the stock market made me a lot of money before I walked into the office.

The crazy thing about this is that not only did I make stock market money but I made weekend money this weekend. In fact, my one day of stock money was greater than two weeks worth of weekend money.

Ima still get that weekend money though. I need all the money even if I don’t need it now. These days all the excess gets hidden anyway. I immediately put it to work.

As I continued to ride my scooter into the office I realized that I still have a 9-5, a business and real estate. I am a walking talking 10X, money making, stream having son of a gun.

In doing all this I also noticed that I liberated myself by doing whatever it takes, not by asking for a raise, getting a promotion or getting people to be nice to me. I realized that I live the life that I want to financially because I stopped glamorizing the job.

The problem with jobs is that your boss thinks they own you. The think that they are your source and your only source. They think that your entire sustenance should come by and through them. They treat you like you can’t make it without them. In a lot of ways a job sounds like an abusive relationship.

These people want to keep you locked in and locked down because they know your true worth. In some industries they have non compete clauses built into your work agreement. This is a problem.

This is a problem because you are more valuable than what they have you capped at. Your family needs you to expand past that cap though. You can’t get to wealth if you don’t. Don’t feel obligated to stay down. I encourage you to create streams, anonymously, without bragging or showing off. Get money but keep it on the low because this could motivate them to cut you off, further limit you or make things worse than they need to be. As long as you do your job during job hours you should be able to free lance and hustle in your own. Don’t feel indebted to them.

See, we tend to think that we owe our jobs some duty of loyalty. We think we shouldn’t have other sources outside of them. This is a trap. If you want to see how loyal your job is see how fast they replace you when you quit or they fire you. See how quick that desk is filled once you die. These people do not care about you, your heirs or your legacy. I have seen it and I know you have seen it too.

Remember, you do not owe them loyalty. You owe your family loyalty. Your boss does not get money one way and neither should you. It is your responsibility to get all the money that you can by any means.

I have this talk with my mom a lot. She is a CPA and she does well but if she opened herself up to the world should could 10X her income. If she opened up herself to the world she would get her annual bonus once a week, like I do. She could then hire people, train interns, creates bosses. A profession is a business. A skill is a business, not just a job.

There is more money in the world than there is at your job. Your job knows this. Your job sells to the world but they want to keep you small and selling your talent to them at wholesale. This is a problem.

This is really a problem for the person with student loans. You have to engage in a new arbitrage I consider degree to business arbitrage. Many of us bought our degree wholesale and then we sell our talents to our boss at wholesale. He then marks us up and sells our talent at retail. Stop this. Skip the middle man and sell your wholesale degree at retail directly to the market. Boom.

In doing this you wont just double your income. Soon you will ten x your income. Your job will then be the side hustle. Your job will be the thing you do to keep the lights on while your business funds your wealth. You have to do both, while investing. You can’t just sit and wait on massa to free you, if you are a man, you free yourself. By any means necessary.

So I realized something guys. You don’t get to just hope passive income saves you. You don’t get to just work 40 hours. You don’t get to do what is easy. But you also must be using your spare time to invest and build a business. If you have a professional skillset you have a built in free lance occupation that can free you. If you don’t I recommend you start a service business like lawncare, home cleaning or some other need based business. You must do whatever it takes even if some other people have it easy.

I was thinking about this the other day and that is that there might be people who make more per hour than you but you can close that gap by working more hours than they do. In America, there is no excuse. If you are losing in this here Donald Trump economy, money making just might not be for you. But in all that, just know YOU made the decision to not do whatever it takes.

In conclusion, the point of this post is to encourage you to have the job but don’t let the job have you. Never feel like they are your only source, always choose yourself and build secondary and third sources. As you build them they will grow. So much so that soon you can quit that very job like my bff who won’t tell you that she crossed that bridge yet. 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

1st Half Review Of 2019 Finale.

Greetings Membership,

This is the final installment of the review for our portfolio for the first half of 2019. We will he closing out with Proctor and Gamble. 
Proctor & Gamble(PG)
The Procter & Gamble Company provides branded consumer packaged goods to consumers in North America, Europe, the Asia Pacific, Greater China, Latin America, India, the Middle East, and Africa. The company operates in five segments: Beauty; Grooming; health Care; fabric & Home Care; and Baby, Feminine & Family Care. The company sells its products through mass merchandisers, e-commerce, grocery stores, membership club stores, drug stores, department stores, distributors, wholesalers, baby stores, specialty beauty stores, high-frequency stores, and pharmacies. This wide distribution network and diversity of segments makes P&G nearly recession proof or what I like to call a “defensive” play. 
In 2018, Proctor and Gamble has net income of $9.75B on revenues of $66.98B.  There is a healthy dividend yield of 2.68% which works out to $2.98 per share at the current share price. Since our buying the security back in mid-March it’s up 21% despite the immense volatility in the market place. The greatest asset of the company is the consumer brands they sell in all five segment are basic necessity that the consumer base will buy in any economic stage. They might scale back if needed but it will never be a total collapse off the grid of normal patterns.
My recommendation is that we not only keep this security as a cornerstone of the portfolio but that we acquire more shares using the dollar-cost-averaging method. This company is great to have to balance a portfolio when one or more sectors having a rough quarter or year. And as market uncertain continues this offers a great return on investment with a security that isn’t a usual growth play but more a capital protection safe haven. 
In Closing
Now that we have concluded the review next it will be followed up by a survey monkey about adjustment and strategy for the second half of the year. Please keep a looking out for that email it’s vital that we received as much feedback as possible so that the strategy is the most accurate display of the club members desire. Per usual I thank you for all your help and consideration.


Jamaal W Vetose 

President
Todd Capital Investment
443-903-5162

Baby Money

You know how I know you are poor? You are willing to ruin a relationship over a few hundred bucks. This is foolish. I have seen it too many times. I have seen folks slander people from the heavens over baby money. I have seen people destroy jobs over baby money. This lack of vision or foresight will keep you existing in a world of baby money.

What is baby money? Baby money is money that isn’t legacy or life changing money. Baby money is hundreds and thousands. Baby money is spending money; it isn’t impact money. You can’t do anything with baby money. It is gone as fast as you get it. So why the focus and complaint there? Too many are creating financial mountains out of mole hills.

One of the biggest lessons I learned from a business owner in college is that I never chase someone for money. I didn’t know why he did it and I didn’t understand it but its a great principle that will keep you in peace and will bring you abundance. Chalk up that L because their unwillingness to pay you, especially on a small scale, says a lot about their character and will protect you from them when the stakes are higher.

Most recently someone around me believed he was shorted on his paycheck. He thinks he should be paid overtime and they think he shouldn’t. For that reason he has created bigger issues than necessary. Names have been called, law suits have been threatened, credentials have been undermined. For $250.

I put a job in its place. They use me. I use them. They get something, I get something. It is quid pro quo, but I keep the job in its place. I never expect the job to do more than be a job. I don’t expect a job or work to be easy, if it was easy it wouldn’t be work. I don’t expect a job or work to be enjoyable. I tolerate it because I know it has a purpose.

Keeping it 100, when I quit my last job I wasn’t going back. Wife had other plans so here we are. Nonetheless, the job is just the job. The job wont ever get you wealth and chasing baby money from that job only prolongs the amount of time you remain a baby.

When you choose to rely on the job and not build your business you aren’t just missing out on a few bucks, you are missing out on big bucks. The trade off isn’t merely a few thousand here or there. The trade off is MILLIONS! Not building your business is selfish.

An example is that my job might pay x a month, and my business makes x in a day. While this person was complaining about $250 I was cashing in on thousands from the podcast, the consulting, real estate and stocks. All of those streams that I built out of frustration paid me way more than the money he was willing to take a life over. See, you can use the job frustration to get mad at the job or you can use that same frustration to free you from the job. I did the latter but the beauty is you can still keep the job even if you don’t need it.

You know what else is selfish? Chasing baby money and or terminating lucrative relationships over baby money. I have seen people kill folks over a few hundred when that same person was putting thousands in their pocket. When that same partnership had the potential to turn into much more. All for what? Ego probably. Ego and job have nothing to do with each other. Keep that ego energy for your business. Leave your ego at the door when it comes to job. The job has no place for your inflated sense of self.

Lastly, your job doesn’t care about you, they care about the task they hired you to do. This means that what they pay you isn’t your worth, it is what your task is worth. Don’t take it personal. You are worth a lot more than the task. You get that worth via your spare time and weekends not through your job.

In conclusion, the young man who was upset is in his mid twenties and still has a lot of maturing to do. No amount of education, experience, or family wealth can supplant the lack of wisdom that comes through age and being older than 30. This is what allows me to overlook a lot of the silly comments made by the “youngins”. They don’t know and they lack the wisdom to know. It takes 18 years to be 18 years old. You don’t just turn 18 (or thirty) because you throw in a juris doctorate or a half million dollar windfall. These people are just young and dumb with a jd and half milli. We see this with sports and entertainers all the time.

My advice to you though is chase big and ignore the small. The small slights, the small details, the small money. In focusing on the big you get big and from that big you go bigger. By focusing on baby stuff you stay a baby and you never become a boss. A lot of people think I don’t care about the details or the planning but I am just so big picture that getting in the weeds only slows down progress. I let people specialize in the baby stuff while I specialize in the giant. I know my role. I know my goals. No baby stuff.

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

1st Half Of 2019 Review Part 3

Greetings Memberships,

Happy Pre-Fourth of July to you all. This is part 3 of what was suppose to be a three part 3 review of the portfolio holding, but actually there will be a part four finale. I discovered in my notes that I had mixed up the percentages between United Healthcare Group and Proctor& Gamble. I begin writing these review Sunday so I apologize for the mix up. This review will only focus on Tilray and the finale part 4 which I’ll send out Friday after the holiday will be focused on P&G and a slightly reworked United Healthcare.
The Speculative Dumpster 
The company offers its products to patients, physicians, pharmacies, governments, and hospitals; and for researchers for commercial purposes, and compassionate access and clinical research applications. It operates in Argentina, Australia, Canada, Chile, Croatia, Cyprus, the Czech Republic, Germany, New Zealand, the United Kingdom, the United States, and South Africa. So much it it’s initial run in 2018 was based off the assumed(rightfully so) of the legalization of medical and recreational marijuana used in Canada. The legalization offered in February but other factors have caused Tilray as well as it competitor to go down since the passage. 
Since our position was taken in Mid-March the holding is down roughly 50% in value. Far and away our worst performer and biggest loser. Our current portfolio value is roughly $50,000 which is what we initially started off with; if Tilray had just said flat not even gain a single dime we would be up $5000K to date. The biggest concern about Tilray is two things, first and foremost production capacity. The market is worried that Tilray lacks the necessary capacity to keep up with demand, gain substantial market shares, and all while stay ahead of the operating income cost. In addition, Tilray has at the large deal like a Canopy or Aurora to ease the concerns about its financial viability, which increase analysts and investor view of this being a riskier bet than its competitors. During earnings of the first quarter Tilray reported revenues of $21.5M with earnings losses of -$30.30M. 
This was always going be the most volatile security in our portfolio. It was a speculative play in a unproven industry still in its infancy trying navigate regulatory issues and adjust to new demands and customer expectations. 
My recommendation is a mixed bag. I don’t like the idea of selling a position when it’s 50% especially when the woes of that security isn’t isolated just to them. But I can understand the mentality about not risking the rest of the value in the position. I see reasons to buy more and hold long term, I see reasons to cut and run, and I see reasons to wait and see. This above all other of our holdings is the most hard to offer a clear analyst. But if I had to recommend anything…….. BUY MORE AND HOLD LONG TERM!!!


Jamaal W Vetose 

Todd Capital Investments 
President 
443-903-5162