Financial Planning is like garlic to a vampire

DAJK GROUP is the place where investors, business owners and entrepreneurs can research and find useful information, insight, resources, advice, guidance and inspiration for acquiring funds for their project, acquisition for their net lease commercial real estate, increasing their assets and running their profitable business.

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Building a Finance Plan Geared to Growth

 BuildingFinancePlan 30pcOFF

I would like to share with you our book reviewer from Ms. P. Fisher, “Garlic to a vampire“.

I recently read Daniel Nguyen’s Building a Finance Plan Geared to Growth, and have decided to keep this as my small business guidebook to finance management.  I am not an expert, hardly even a novice, when it comes to managing my business.  As a “creative” type, financial planning is like garlic to a vampire.  And yet, financial planning is essential to running a successful business.  I believe that part of my resistance comes from lack of understanding the definitions and how to do things such as create financial statements like profit and loss, cash flow, etc.  When we don’t understand how something works it becomes twice the job and, in my case, gets put on the bottom of the “To Do” pile.  What I really like about this guidebook on how to build a financial plan is that Mr. Nguyen explains what all of these terms mean. He gives us not just a textbook definition, but also shows HOW they work in relation to the overall picture of getting a small business loan, for example. He then shows a sample of what that financial statement should look like.  THIS I can understand!  He also tells the reader what to ask for –and what NOT to ask for.  There is information on establishing credit well in advance of going for a loan, things that I can do now to prepare for my possible or projected business needs in the future. He includes guideposts of ways to evaluate the progress and effectiveness of my current business needs, and then how to assess my possible future needs. Then, for when I am ready to go for a loan, I like the True-False test that he includes in the text.  This test allows me, as the business owner, to self-score how prepared I am to go meet with the banker.  This book is a wealth of good advice, resources and tools that I can use in understanding and applying good financial practices in my business.

I feel that if I follow the outline of this book that I could meet with a bank lender and not appear to be an idiot.  Mr. Nguyen has thought of not only the standard things that I will need to bring and think about beforehand, but also other possibilities that a lender might want to know.  For example, he writes that I, as a business owner, should have not one, but two possible repayment plans, to reassure the lender that I am a good risk. This is good, easy-to-understand information- he gets a score of “10” from me on a practical help scale.

Growing – Evolving and Pushing Forward!


Other related topics:

Manage Your Money – Free ebook

5 IRS Categories’ Audit Risk for Small Businesses

Always protect your investment against risks

4 fundamental Ways Really Increase Your Revenue and Asset in Business

Three recommendations improving your communication with business person

Top 6 Terms You Should Know Before Investing in net lease commercial real estate


 

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Currency Exchange Update 4/22/15

Currency EXCHANGE CAN SAVE YOU MONEY

Here are the key news stories from overnight:
 
  • Chinese PMI data declined for the fourth straight month and fell to a 1-year low 49.2 and below consensus. A reading below 50 separates the difference between expansion and contraction.
  • Japanese April manufacturing PMI came in weaker than consensus at 49.7 versus expectations of 50.7. This is the third consecutive decline.
  • Eurozone flash April PMI was also weaker than expected with both Germany and France underperforming. Readings came in at 51.9 from the previous month of 52.2. Markets were expecting a small rise.
  • U.K. retail sales for March also came in below expectations at 0.2% against expectations of 0.5%. Year over year growth was at 4.2% from the previous reading of 5.7%.
  • U.S. jobless claims came in near expectations and remain below the key 300,000 level. U.S. 10-year yields are unchanged at 1.98%.
 
 
Currencies
 
The U.S. dollar (USD) is very mixed today. Australia and New Zealand are quite a bit weaker on the back of the weak Chinese data while the Swiss franc has surged despite the changes made by the Swiss National Bank regarding zero interest rates yesterday. The Swiss franc is the strongest G10 currency year to date despite Switzerland having the deepest negative interest rates of any major country. Emerging markets are also mixed with Russia up by 2.14% and many of the Eastern European currencies up slightly. Asian currencies are generally weaker on the session.
4-23-2015

If we can help you with any Foreign Exchange needs, please do not hesitate to contact us

Relate topics:
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FOREX Understand the Myths of Market Trends and Patternsdownload now!

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TOP Net Lease CRE Investment Books – April Selection! **Additional 10% discount!

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These books are providing business owners, investors and entrepreneurs useful information, insight, resources, advice, guidance and inspiration for acquiring their commercial real estate investment, increase their assets and profitable business.

The Little Book of Triple Net Lease Investing: Second Edition
The Little Book of Triple Net Lease Investing: Second Edition
List Price: $24.99
Price: $19.47
You Save: $5.52 (22%)
The NNN Triple Net Property Book: For Buyers of Single Tenant NNN Leased Property
The NNN Triple Net Property Book: For Buyers of Single Tenant NNN…
List Price: $4.05
Price: $3.50
You Save: $0.55 (14%)
The Little Book of Triple Net Lease Investing
The Little Book of Triple Net Lease Investing
List Price: $24.99
Price: $24.21
You Save: $0.78 (3%)
The Due Diligence Process Plan Handbook for Commercial Real Estate Investments
The Due Diligence Process Plan Handbook for Commercial Real Estate…
Price: $19.95
Real Estate Mail Box Money: The Passive Investors Guide to Collecting Guaranteed Monthly Rent Checks From Brand Name Corporate Triple Net Lease Tenants With No Management, No Hassle & No Experience
Real Estate Mail Box Money: The Passive Investors Guide to…
List Price: $22.77
Price: $21.52
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Investing in Retail Properties a Guide to Structuring Partnerships for Sharing Capital Appreciation and Cash Flow
Investing in Retail Properties a Guide to Structuring Partnerships…
List Price: $29.95
Price: $22.18
You Save: $7.77 (26%)
How to Succeed in Commercial Real Estate
How to Succeed in Commercial Real Estate
List Price: $21.95
Price: $15.81
You Save: $6.14 (28%)
How To Win In Commercial Real Estate Investing: Find, Evaluate & Purchase Your First Commercial Property - in 9 Weeks Or Less (Rich Dad Library)
How To Win In Commercial Real Estate Investing: Find, Evaluate…
List Price: $16.95
Price: $13.68
You Save: $3.27 (19%)
What Every Real Estate Investor Needs to Know About Cash Flow... And 36 Other Key Financial Measures
What Every Real Estate Investor Needs to Know About Cash Flow…
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Price: $13.28
You Save: $12.72 (49%)
The A B C's of SITE SELECTION: How to Pick Winners and Avoid Losers
The A B C’s of SITE SELECTION: How to Pick Winners and Avoid Losers
List Price: $19.99
Price: $17.99
You Save: $2.00 (10%)
Commercial Real Estate Investing For Dummies
Commercial Real Estate Investing For Dummies
List Price: $21.99
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Confessions of a Real Estate Entrepreneur: What It Takes to Win in High-Stakes Commercial Real Estate
Confessions of a Real Estate Entrepreneur: What It Takes to Win in…
List Price: $23.00
Price: $18.57
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Negotiating Commercial Leases & Renewals For Dummies
Negotiating Commercial Leases & Renewals For Dummies
List Price: $22.99
Price: $17.81
You Save: $5.18 (23%)
Investing in Apartment Buildings: Create a Reliable Stream of Income and Build Long-Term Wealth
Investing in Apartment Buildings: Create a Reliable Stream of…
List Price: $27.00
Price: $20.17
You Save: $6.83 (25%)

Related topics:

BIG BUYER of NET LEASE REPORT – March 2015

Top 6 Terms You Should Know Before Investing in net lease commercial real estate

First Key selection of net lease Commercial Real Estate investment…?

Net Leased Commercial Real Estate (NNN CRE): Step #2

How much McDonald invests in net lease commercial real estate?


Please contact us for free consultation.

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Business consultant’s book at Amazon Corner 

Amazon Corner’s Books

4 fundamental Ways Really Increase Your Revenue and Asset in Business

Make more money 8

Highlights:

  1. Sell more
  2. Sell bigger: larger accounts or large profit margin
  3. Spend less: strategically and intelligently
  4. Invest in your business

There are numerous of articles, systems, podcasts, videos, infomercials, webinars, books, and schemes all designed to show you how to do just that.  In addition, friends and family members are sharing the latest and greatest multilevel marketing organization, it’s someone showing you how to quickly buy and flip real estate, buy and sell stocks…etc.

In profitable business, the hard truth is that there are not many shortcuts. Business success and growth usually takes hard work and persistence. Let me suggest that if you are in business for yourself, there are really only four ways to make more money:

Make more money 9

  1. Sell more:

The bottom line is that you need to sell more of something to make more money. If you are a business owner, you don’t need someone to tell you that or to try and sell you his or her wares: You already have products and services to sell.

So the first trick is to expand the business you already have. There are a couple of ways to do just that:

  • Acquire more traffic/customers:  They key to getting more traffic in the door is to expose your business to new people. Market more, make more, it is (almost) as simple as that.  We pay for Facebook’s advertisement creating new prospect clients.
  • Create a new profit center: All great businesses figure out new products to sell and new services to offer. GE sells dishwashers yes, but it also sells jet engines and real estate financing. If you want to grow, you need to expand your offerings too.  Our products and service page just adds an Amazon Corner to serve more to our clients.
  1. Sell bigger:

It’s in two ways:

Make more money 2

First, you can sell to bigger clients and customers – in other words, those with bigger budgets. For instance, if you primarily sell to consumers and other small businesses, you might find that selling your wares to corporations and government entities will yield bigger revenues.

Second, you can sell products with a bigger profit margin. Even selling the same amount of such products will result in more net income.  For online business, you can start with selling someone else’ products which can be found on Amazon Corner; then later you create your own products.  The business did the same work, but made a lot more money.

  1. Spend less:

The important thing to keep in mind when cutting your overhead is to do so strategically and intelligently. You certainly do not want to cut back too much on those areas that generate revenue – advertising, for example.

From your annual budget review, there are probably many areas where you could cut some costs.  If you haven’t done an audit of your business expenses recently, consider doing so now.  Please contact us for a free budget analysis.

  • Insurance
  • Labor
  • Rent
  • Office supplies
  • Product line
  1. Invest in your business:

Naturally, investing is always a smart individual wealth-building strategy, but in this case, we are talking about investing in your business.

Make more money 6

Our physician client took an “expensive factoring” in an amount of $650,000 against his cash flow, $40,000 a month for 12 months.  This calculated risk generates more than $2 million revenue for his practice.  Please contact us for free consultation and business analysis.

In addition, our physician client invested in his office building.  He purchase entire building with 6 offices for $750,000.  He used to pay for his lease approximately $6500 a month.  After his acquisition, his net operating income (NOI) is approximately $8000 a months or his capitalization rate is about 12.8%.

In fact, by investing in your business, acquiring a commercial office building, be it remodeling the premises, paying off debt or buying new equipment, you increase its equity value. Eventually, that equity will become even more valuable down the road.

In conclusion, if you want to make more money from your business, you’ll have to do it, in the words of the famous commercial, “You will have to earn it.”


DAJK Group

Please contact us for free business consultation

Review our book Building a finance plan geared for Growth at Amazon

Building a finance Plan

How much McDonald invests in net lease commercial real estate?

McDonald’s Corp. is once again facing pressure to spin off its real estate holdings, as shareholder and hedge fund manager Larry Robbins claims the move could unlock $20 billion in value. McDonald’s owns 70 percent of its restaurant buildings and 45 percent of the land those buildings are built on at a time when net-leased real estate is highly prized.

mcdonalds

The market reacted positively to Robbins’ suggestion, as the company’s shares rose by almost 2 percent on Monday, according to The Street.

As a long-term investor, you don’t want to trade short-term cash for long-term competitive advantage. This is exactly what the real estate assets are to McDonald’s.

Our net lease selection of this week is McDonald’s.

Northwest corner of 35TH AND SOUTHERN AVENUES

PHOENIX, ARIZONA, USA

SINGLE TENANT ABSOLUTE NNN INVESTMENT (NNN CRE)

  • PRICE: $1,842,000
  • CAP RATE: 3.8%
  • RENTABLE SF: ±5,000 SF
  • LAND SF: ±58,990 SF

 INVESTMENT HIGHLIGHTS

  • McDonald’s absolute NNN single tenant ground lease investment opportunity
  • McDonald’s corporate guarantee
  • Brand new 20 year ground lease
  • 10% rental increases every five years in the initial term and option periods
  • Over 31,042 vehicles per day at the intersection
  • McDonald’s is publically traded (NYSE Symbol: MCD) with a S&P “A” investment grade credit rating
  • McDonald’s has approximately 35,000 locations in over 100 countries worldwide
  • Low ground lease rent of $69,996 per year
  • This site is located on the hard corner and sits on ±1.35 acres of land

Related NNN CRE information

Top 6 terms in net lease CRE

First criteria for select of net lease CRE

What are investment objectives?


More information or if you are interested, please contact us

Website:  http://growingevolvingpushingforward.weebly.com/

3592 Rosemead Boulevard – Rosemead – California 91770

Net Leased Commercial Real Estate (NNN CRE): Step #2

Our Net Leased investment objectives:  

  1. Investment funds are secured by commercial propert(ies)
  2. Investor will receive monthly fixed income guaranteed by national tenants who has annual revenue $US 100 million
  3. Investor will also receive its appreciation
  4. For US Investors, it also has some tax implication as well

Our first step in our selection is identify who is a right tenant matching with your investment strategy [read more…]

Famous quote from Warren Buffet: Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.

How would investor protect his investment funds?  It’s simply following our net leased investment objectives.

In fact, once your investment is secured by the commercial real estate and monthly fixed income are guaranteed by a national tenant, you know that you are making a strategy investment decision.  This intelligent and calculated move are not only protect your investment fund; but it is also guaranteed of your appreciation when our selected lease term is at 5 years or 10+ years.

To safeguard our investor investment, our selected net leased properties must be located in a strategic location.  It’s a typical location of our selected net leased location.

Aerial - Typical location

Our typical national tenants are:

7-Eleven, RiteAid, Walgreens, CVS Pharmacy, Dairy Queen, KFC Fried Chicken, Taco Bell, Burger King, Starbucks, Costco, Home Depot, Dollar Family, McDonald, In&Out Burger, Staples, Key Bank, Bank of America, Chase Bank, Wells Fargo Bank, Shell Gas Station, Dunkin’s Donuts, Verizon, AT&T Store, Walmart Neighborhood Market, Dick Sporting Goods, LA Fitness, Tractor Supply, Advance Auto Parts, Davita Dialysis …etc.

Our free consultations are described in our earlier blog

If you would like to invest in net lease commercial real estate (NNN CRE), please contact us.

If you do not see what you like, please send me your ‘wish list’ with specific investment criteria, we will locate and match your investment wish list.

PROCEDURE:  When you select what NNN CRE(s) you are interested, please send me your Letter of Intent (“LOI”) and Proof of fund (“POF”) to engage with the Seller.  The closing time frame is from 30 to 90 days at this point if the Seller accepts our offer.  The escrow instructions will be provided for wiring of your investment funds once the Sale and Purchase Agreement is executed.  Please note your POF can be a Bank Comfort Letter (“BCL”) from Tier 1 bank or a copy of your deposit with First American Title.

Please note our escrow service is with First American Title, website: http://www.firstam.com/title/commercial/about/index.html


For further clarification, please sign-in our free consultation.

Free Consultation (2)

Should you invest in Net leased commercial Property? Or Multifamily or Self-Storage?

Who would invest in Self-storage properties?

ATLANTA – Within 12 months, Stein Investment Group is set to bring almost 250,000 square feet of self-storage facilities to metro Atlanta, a region dotted with suburban and urban sub-markets with a dearth of this asset type.  Construction is currently underway in the Old Fourth Ward on Decatur Street Self-Storage that will provide modern storage solutions to residents of the surrounding urban, residential communities.


Selfstorage 2

The REITs are the major owners in a largely fragmented sector, as about 80 percent of self-storage properties are owned by small mom-and-pop-type firms. But private equity is starting to enter the sector.

What is expecting return of investment?

Long-term returns for self-storage beat out all other commercial real estate sectors, The five-year average return for self-storage is at 24.4 percent, the 10-year average is at 17.8 percent and the 15-year average is at 20.3 percent, beating out the closest sector, multifamily, by about 400 basis points for each category. These numbers, as well as a lack of new supply and unusually high demand, have led to increased competition for assets.

multifamily Building 3

Comparison Table

Property Type Five-year Average of ROI
Multifamily 24% or 4.8% per year
Self-Storage 24.4% or 4.88% per year
NNN CRE 27.5% or 5.5% per year

NNN CRE Various

This simple comparison showing the return of Net Lease commercial property has the highest return of among these investments.

For free consultation, please contact us.