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Episode 63: Gena Lofton – How to Evaluate Your Goals for Q3 2018

This weeks episode is dedicated to helping you review and achieve your goals as this is the end of the third quarter of 2018. If you haven’t set any goals yet now is the time. I want to encourage you to visit and visit the store where you can take the complimentary “Escape The Madness Course” which will help you to establish your goals.
You need to write down these goals, and they need to be “S.M.A.R.T.” This means that your goals are Specific, Measurable, Achievable, promote Responsibility for that goal and have a set Timeline for achieving them. Without these characteristics, you are not as likely to meet them. You need clarity of vision and once you have that everything goes a lot smoother.
For everyone that has established some goals, I would like you to take a moment and assess how you are doing. Are you achieving them or are you exceeding them? If you are having trouble reaching them, then please let me know and feel free to ask questions. I would be happy to give some advice.
This week the Fed increased interest rates. So it would help if you evaluated the effects of increased interest rates on any debt that you may have and how this could influence your financial future.
It would help if you had a team of advisors to achieve your goals. These could include people who are accountants, lawyers, and business associates. Please do not expect that you can get to the finish line entirely on your own. Take advantage of expert advice.

Please visit and feel free to ask any questions that might help you to achieve your goals. Let’s all finish our 2018 plans with a blast!
I want to congratulate everyone that is actively achieving their goals by moving to the right side of the quadrant as quickly as possible.

Talking Points From This Week’s Episode
– Why it’s essential to have “S.M.A.R.T” goals.
– It would be better if you had a team of advisors to achieve your goals.
– It’s time to assess how your tax bill will look at the end of the year.
– Be sure to ask questions of your advisors.

About Our Guest

Gena Lofton is an Investor, Entrepreneur, Author, and Speaker. She is the host of the show “The Gena Lofton Show” which helps people to live a full life which begins with achieving financial freedom. She created a proprietary methodology, The Financial Freedom Formula F3 which is a step by step system which enables anyone to replace their higher taxed income with assets which generate tax-efficient passive income by using debt and reducing one’s taxes. Thousands have successfully used the formula to achieve financial freedom and it is the same formula which Gena used to acquire over 4,000 apartment units, a Hilton resort, assisted living facilities, oil and gas ventures, junior mining, technology, and telecommunication (e.g. AT&T) assets.

Gena’s corporate career is extensive having transformed many Fortune 1000 companies while at Ernst & Young Management Consulting until the sale to Cap Gemini in 2002 for $11 billion. She spent nearly a decade as part of the management team of DIRECTV, which led to the sale to AT&T for $48.5 billion in 2015. She is the author of Escape the Madness, The, 10 Steps to Get Out of the Rat Race. She has never married and resides in Los Angeles, California.

Episode 62: Anita Lofton – Navigating the Medicare Landscape

Anita is an expert in health insurance, and I wanted to discuss with her the latest changes in health care and open enrollment. She likes to advise seniors with their health care insurance concerns.
Health care costs are one of the things that can quickly drive people into bankruptcy. So this knowledge is a critical part of your abundant life and investments. Once you get sick, you need to understand what you are dealing with and it’s essential.

She explains the latest changes that have occurred with healthcare regulations. Under Trump, the tax penalty will be done away with, and they have changed some of the rules surrounding pre-existing conditions.

Open enrollment is a time period that happens each year when employers, corporations, and individuals can change their health plans. Open enrollment generally starts mid-October and goes through December 7th for policies that begin the next year. You usually can’t make changes to your plan outside of this time period.

It’s important to know what your deductible costs are and how they might affect your care. These are different from the out-of-pocket expenses which are a cost split between the insurance company and you. You also need to understand the benefits and the fundamental details of these insurance plans and ask enough questions.

She cautions that some plans only cover essentials and not secondary items you may need like crutches, wheelchairs and sleep apnea equipment. She discusses various supplemental insurance that you can buy at any time that can cover some of these extra expenses. These plans cover certain emergencies, and they pay you the benefits and not an insurance company.

Talking Points From This Week’s Episode

  • She describes the recent changes to health insurance under Trump.
  • Medical expenses and coverage are essential due to the risk of bankruptcy.
  • Some plans may not cover certain costs, be sure to ask questions.

About Our Guest

Anita Lofton, President, and CEO of Senior Moment Life is a group benefits broker that design benefit packages for small to mid-size companies, but primarily Anita is an advocate for seniors. She is committed to bringing light to elder abuse issues, helping them to find adequate resources to assist them in governing and monitoring their financial activities and transactions, and empowering them with the necessary tools needed to make informed decisions in health care matters and most other aspects of their lives. Her strong background in healthcare and provider engagement enables her to navigate through the health care system with tenacity and ease.

Episode 61: Tom Corley – How to Develop Rich Habits

Tom is a motivational and empowering speaker at conferences and is the author of several books that discuss the habits of the wealthy and how they differ from others. He discusses his childhood and how his successful businessman father ended up losing his fortune through a business sale that went bad.

He became interested in the habits of successful people when a friend with business problems asked him for advice. This sparked off an idea to conduct a study of people’s behavior and habits. Read More »

Episode 60: Gena Lofton – Building Infinite Wealth and the Four Types of Income

This week Gena discusses the Cash Flow Quadrant and the four (4) Ways Income is Created.  The people on the Left Side of the quadrant are Employees and/or Self-employed.  This is where 95% of the population exists yet, they control only 5% of the wealth, primarily, because they own NO assets and pay the highest tax rate.  The left side could pay an excess of 40% in Taxes, depending upon their income level and their State residency.

Read More »

Episode 59: Michael Flight – Value Added Shopping Center Investing

I want to introduce you all to Michael, we met recently at FreedomFest and he is both amazing and knowledgeable. He has an extensive background in commercial real estate investing and is principal of Concordia Realty.
Concordia Realty specializes in shopping plazas and retail properties. They prefer to purchase operational commercial projects with existing income. They concentrate on strip shopping centers and they occasionally renovate or restructure existing commercial properties.

They have over a million square feet of retail space located in the Illinois, Indiana, and Michigan markets. Increasingly they are interested in Ohio and Wisconsin. They continually look for good opportunities and are working to expand into new areas.
Read More »

Episode 58: PJ Miklus – Investing in Intellectual Property

PJ has a background in business development and the stock market where he helped investors balance their portfolios. A year ago, he became interested in Royalty Exchange’s business model which works to connect investors with music artists via an auction platform. So far they have raised 40 million dollars in over 300 auctions for music property rights. He says, “This is a very exciting new type of asset class for investors.”

Royalty Exchange focuses primarily on music. Mr. Miklus describes how royalties in the music industry work and how the money flows in the music industry. Read More »

Episode 57: Building Tax-Free Wealth with Derek Uldricks from Virtua Partners

I had the pleasure of meeting with Derek Uldricks, the President of Virtua Capital Management. Virtual is a global private equity firm specializing in the commercial real estate asset class. They invest in real estate across the United States. Their background is in commercial real estate financing, and restructuring and they have a very experienced executive team.

Virtua focuses on multi-family, single family, and hospitality. Derek discusses how they set up their real estate portfolios and mitigate risk.
Read More »

Episode 56: Jeremy Roll – Active vs. Passive Investing Which is Best

Jeremy is a passive cash flow focused investor who has had a focus on real estate since 2002. He wanted the predictability of steady cash-flow instead of the ups and downs of the stock market. He diversifies across operators, geographies and asset classes.

He moved from Montreal to Pennsylvania in 2002 where he attended university. Afterward, he moved to Los Angela’s where he worked for Disney. While working, he decided to invest in cash-flow assets that eventually gave him the flexibility to leave the corporate world.
Jeremy defines his view of active versus passive investing. For him, the difference is centers around direct control of assets.
Read More »

Episode 55: Al Adler – ABA Energy – An Oil & Gas Primer

Al Adler is CEO of ABA Energy Corporation joins us to provide a broad overview of the Oil and Gas sector. He describes his early career in the Oil and Gas industry and how he started out in the oil patch in the United States and then traveled to several countries. After a few years, he broke out on his own by heading up a companies Oil and Gas branch. That ended up being a tremendous success which spring-boarded him into launching the company ABA Energy in 1991.

Al lives and operates in Bakersfield California. He says, “They have been doing business pretty much the same way since 1991.” They are unique in that they make value for themselves by exploring and drilling for oil and gas. They have done well over the long term by minimizing risk via working on many smaller projects at any time. The Oil and Gas sector is a very cyclical market, and you have to be careful during the downtimes. They often partner with larger companies that work well with his team and who see the value in what they do.
Read More »

Episode 54: Gary Rahman – Escape Poverty and Grow Generational Wealth

Gary Rahman describes his upbringing in Chicago with a single mom. When he was ten he realized he wanted a better future for his children. Although his mother suffered from depression and had a lot of financial difficulties she always encouraged him. Gary says the universe has a way of answering your call.

For him, there has always been a lot of self-determination and persistence. The real crux of his message is that people need to get out of their own way.
Read More »

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