Aspiring Nirvana

Help – Stock market is falling off the sky!!

When will the stock market hit the bottom?

Stock market corrections have been happening for ages. Trying to predict market bottom is a useless exercise. Historical scenarios and models can be deceiving. Keep an eye on the bigger picture. Are we going in a recession where market may enter bear market or is it a mid correction for an overheated market?

Bear market is defined as stock market going down by 20% or higher. Corrections is defined as stock market going down by 5% to 10%.

Recessionary corrections are usually steeper and last longer. Whereas corrections that occur in healthy market are usually shallower and shorter. Of course, the tricky part is predicting are we heading into recession or not.

We wish we would have a magic lamp to predict market top and bottom, but we don’t. Though stock market has gone up over a long time period, some people panic during market downturn and sells at the wrong time. We have no control over the market direction. The only thing we can control is our response to such events.

Have a proper stock and bond allocation based on your risk tolerance. The rule of thumb is to put 60% in stocks and 40% in bonds and perform annual rebalancing. Talk to your financial advisor to have appropriate allocation and stay the course.

Avocado: Delicious fruit with excellent health benefits

Avocados is a delicious fruit with excellent health benefits that has become a staple in the diet of many people.

Introduction

Avocados is a green fruit, not a vegetable, with leathery skin. It is delicious and has become a staple of the diet in many parts of the world. It is loaded with nutritional elements like minerals, vitamins and fats (no worry, it’s healthy).

Avocados are native to Central America with Mexico being the major producer in the world.

Potential Health Benefits of avocado

Reduce cholesterol levels in blood
Reduce risk of heart diseases
Lower risk of stroke
Possess antioxidant quality
Reduce inflammation
Good source of protein

Options to Consume avocado

Avocado toast
Excellent addition in salad and soups
Add in Smoothies
Guacamole dip
Avocado ice-cream or brownie

Caution

Some people having latex allergy have observed allergic reaction after consuming avocado upset stomach, nausea, heartburn and slow blot clotting after long usage of avocado. Consult with your doctor before including it in your diet.

Final Verdict

Avocado has many health benefits, but like anything else, use it as part of a holistic healthy lifestyle that includes healthy diet, proper exercise and regular doctor visit.

We hope the information in this post will be helpful in your journey of aspiring nirvana!

How to enjoy the benefits of passive real estate investing – Syndication

A real estate syndication is a type of investment in which group of people pool their money to purchase and manage a property.

What is a Syndication

A real estate syndication is a type of investment in which group of people pool their money to purchase and manage a property. By pooling the money, the group is able to buy a much bigger property than they would as an individual.

Benefits of Syndication

Investing via syndication allows an individual to generate passive income as day-to-day management is handled by professionals.

One gets steady rental income as well as chance to make further profit from property appreciation at the time of selling.

By investing with a group, one can diversify the risk of investing as an individual. Additionally, one can get a chance to purchase multiple properties or a bigger property.

One gets all the tax benefits of property investment without the hassle of managing it.

Generally real estate returns are more steadier than stock market returns.

Challenges of RE Syndication

Syndication company must manage the physical property and the investment pool
Money invested in syndication is tied to the length of investment which can be multiple years
Though passive, it is preferable to have basic understanding of real estate finance
Finding trusted partners is easier said than done

RE Syndication difference with REITS

RE syndication is not same as investing in REITs.

In syndication, a group of people invest in a physical property, manage it, and may sell it in the future. In REITs, one buys shares of a public company that manages real estate portfolio.

Final Verdict

Though RE Syndication allows an individual to reap benefits of passive RE investing, there are chances of losing money in it. Make sure you discuss your financial situation with a registered financial advisor before making any investment decision.

We hope the information in this post will be helpful in your journey of aspiring nirvana!