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November 26, 2020

NapkinFinance-OpportunityCost-Napkin-08-21-20-v03

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Are you familiar with Title Insurance? 🤔 A “ Are you familiar with Title Insurance? 🤔 A “title” is a document listing the legal owner of a piece of property. Title insurance protects homeowners (or in some cases mortgage lenders) from any unknown issues with the title that could come up down the road. When you buy a property, what you’re really getting is the title, which says you’re the legal owner. However, because properties can change hands many times over decades (or even centuries), coming up with an ironclad history of the property and its ownership can be hard. So, a title insurance policy protects you from these unknown issues that might come from: ➡️ Property right claims I.e., if one day someone comes knocking on your door to say that actually their great aunt left them the property in her will 20 years ago (and would you please pack up and leave) ➡️ Documentation errors or forged documents Such as if your local recorder’s office has an error in its documented history of your property ➡️ Fraud Like if the person you thought you bought the house from didn’t actually own it themselves ➡️ Liens A claim a lender could have on the property if a previous owner used the home as collateral ➡️ Easements An easement gives someone else the right to cross your property—like if sewer or other utility pipelines pass through your property, or if a hiking trail passes through your backyard There are two types of title insurance: ✅ Lender’s policy: Protects the lender’s claim, usually for the duration of the mortgage. Your lender will likely require that you buy this. ✅ Owner’s policy: Protects the buyer’s investment for as long as they (or their heirs) own the property. These policies are optional, and either you or the seller can cover the cost. Click the link in our bio or today's stories to learn even more. Like did you know that 1 out of every 3 title searches reveals an error or claim that someone must address before the transaction closes?
If I had a dollor for every time I checked my acco If I had a dollor for every time I checked my account balance, I’d probably never have to check it again. 🙃
Did you know that over the last two centuries, abo Did you know that over the last two centuries, about 90% of the world’s millionaires made their money by investing in real estate? Buying real estate—whether on your own or by pooling your resources with other investors—is one possible way you can invest your money. Investing in real estate means owning land plus any buildings and other natural or man-made features on it. There are three main ways you can make money on a real estate investment: ✅ Price gains—i.e., you buy a property for a lower price and eventually sell it for a higher one ✅ Charging rent—whether you’re renting apartments to families, office complexes to corporations, or storefronts to retail businesses ✅ Harvesting resources—such as if you own timberlands or oil-producing properties 👉 And those three ways aren’t mutually exclusive. For example, you could buy a duplex, rent it out to tenants for a few years, and then eventually sell it for a profit to boot. Visit napkinfinance.com to learn more on this topic, including Property Types, Ways to Invest, as well as Benefits & Helpful Tips!
Incase you need a reminder. 🙃 Video by @icondu Incase you need a reminder. 🙃 Video by @icondurell
Hedge funds are investment funds that pool many in Hedge funds are investment funds that pool many investors’ money and then hire one or more professional managers to buy and sell specific investments. Although that basic structure is a lot like that of mutual funds, unlike mutual funds, hedge funds are lightly regulated and often high risk. You can think of them as like mutual funds on steroids. 💪💰 With high fees and high risk, you might wonder why anyone would choose hedge funds over other types of funds. It generally comes down to two potential benefits: ✅ The chance of higher returns. Because of their aggressive approaches and because looser regulations give them more leeway to boost returns, hedge funds have the potential to generate much higher returns than other funds. ✅ The need for diversification. Investors are always on the hunt for investments that don’t move in lockstep with traditional stocks and bonds (particularly for investments that may rise when stocks or bonds are falling). Because they can invest further afield, hedge funds can have an easier time delivering those types of returns than mutual funds or other mainstream investments. Given the barriers to entry for the average person, hedge fund investors typically include: ➡️ Pension funds ➡️ Foundations ➡️ University endowments ➡️ Family offices (a private company that handles investments for a very well-to-do family) ➡️ Wealthy people   👉 The word “hedge” actually has a specific meaning in investing? It means to reduce risk by making an investment that offsets the risk of another investment. A common misconception is that hedge funds engage in hedging. Some do, but plenty don’t. And did you know that just like Silicon Valley is the capital of the tech world, Greenwich, Connecticut, is the capital of the hedge fund world? 🧐 Swipe right to see some of the many flavors of hedge funds, and visit napkinfinance.com to learn more!
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