Trust Deed Opportunity

Good Morning,

We have a trust deed investor opportunity. The property is a 1999 home with 2850sqft. on nearly a 4600sqft lot. It has 5bd 3ba that will have a very light rehab. Comps are near 1.1m and will command full value when completed. It's located in Aliso Viejo in South Orange County in a highly desirable community. The 3-6 mo short term investment is 750K returning 10% per-annum or 6250/mo If you or anyone you know has an investment interest, please contact me.

Thank You,

Michael Brown
714 587 0486
The Bottom Line

TheBottomLine: The Bottom Line on Sanders Tax Increase!

TheBottomLine: The Bottom Line on Sanders Tax Increase!: Here's what Bernie Sanders actually said about raising taxes Sen. Bernie Sanders, D-Vt., did something politicians rarely do at CNN...

The Bottom Line on Sanders Tax Increase!

Here's what Bernie Sanders actually said about raising taxes

Sen. Bernie Sanders, D-Vt., did something politicians rarely do at CNN’s town hall forum for the Democratic presidential candidates on Monday night — he explicitly promised to raise taxes if he reaches the White House, and not just for the wealthy.

“We will raise taxes. Yes we will,” Sanders said.

The soundbite made headlines and immediately had politicos predicting it could be fodder for negative ads. However, what Sanders actually said was more complex and, in fact, he promised his plans would save Americans money.

Sanders made the comment when he was asked about his “Medicare for All” national single-payer health care program. Moderator Chris Cuomo then noted that critics of Sanders’ health plan point out he will raise taxes to fund expanded social programs. Sanders said he does plan to increase taxes but argued his health plan will save people more money than they spend on tax hikes.

“That is an unfair criticism for the following reason. If you are paying, now, $10,000 a year to a private health insurance company, and I say to you, hypothetically, ‘You’re going to pay $5,000 more in taxes — or actually less than that — but you’re not going to pay any more private health insurance,’” Sanders said. “Are you going to be complaining about the fact that I’ve saved you $5,000 in your total bills? So, it’s demagogic to say, 'Oh, you’re paying more in taxes.' Let’s all talk about — we are going to eliminate private health insurance premiums and payments not only for individuals, but for businesses.”

“Just to be clear, you are going to raise taxes?” Cuomo asked.

“We will raise taxes. Yes we will. But also, let us be clear, Chris, because there’s a little bit of disingenuity out there,” Sanders said, adding, “We may raise taxes, but we also are going to eliminate private health insurance premiums for individuals and for businesses.”

Calling for tax hikes is not new for Democratic candidates. President Barack Obama campaigned on a tax increase for families making over $250,000 when he was first elected in 2008. Sanders’ top rival, Hillary Clinton, who is leading polls for the Democratic primary, has also called for raising taxes on the wealthy. However, Sanders’ bald admission he would increase taxes across the board rather than just for the rich sets him apart. 

TheBottomLine: The Bottom Line on a Sanders Presidency and your M...

TheBottomLine: The Bottom Line on a Sanders Presidency and your M...: 5 ways your money could be affected by a Bernie Sanders presidency It may seem like it's been going on forever, but the 2016 president...

The Bottom Line on a Sanders Presidency and your Money!

5 ways your money could be affected by a Bernie Sanders presidency

It may seem like it's been going on forever, but the 2016 presidential election is finally getting started, for real. Several months of primary elections begin Feb. 1 with the Iowa caucus, and soon enough, we'll know who will be on the general election ballot come November.

One of those people could be Sen. Bernie Sanders (D-Vt.). Whether or not you're feeling the Bern, it's important to know how a Sanders presidency could affect you and your money. Like all presidential candidates, Sanders has identified many things he'd like to change about life in the U.S. There's no way to know how many of his proposals would become reality if he's elected — making such changes is a lot more complicated than proposing them — but several have the potential to significantly impact Americans' personal finances. (We'll be covering other candidates' impact on your money in the next few weeks.)

Here are some of the main issues Sanders would like to address and how it could impact your finances.

1. Single-Payer Healthcare

There's a lot of debate over how a single-payer healthcare system would affect the average American's budget, because overhauling the system would be complicated and therefore costly. Without getting into the details (partially because Sanders hasn't shared all of those yet), here's what he's proposing: Sanders is calling it his "Medicare for All" plan, and it aims to simplify the process of getting and paying for healthcare while detaching insurance from employment.

"As a patient, all you need to do is go to the doctor and show your insurance card," reads Sanders' website. "Bernie's plan means no more co-pays, no more deductibles and no more fighting with insurance companies when they fail to pay for charges."

Sanders plans to pay for the program, which his campaign estimates to cost $1.83 trillion annually, through a tax increase on those making more than $250,000 a year, premiums paid by employers and some households (dependent on income), other tax adjustments and program savings. (You can see the current tax brackets here.)

2. A $15 Minimum Wage

Currently, the national minimum wage is $7.25 per hour. Sanders wants to raise it to $15 per hour over the next several years. For people working minimum wage jobs, that could make a significant difference in their earnings and overall financial health. At the moment, only Emeryville, Calif., comes close with its $14.44 minimum wage, though San Francisco and Seattle have plans in place to implement $15 minimum wages in the next several years.

3. Paid Family Leave & Sick Days

Maternity leave, paternity leave and medical leave are hot topics in politics right now. Many parents don't have the option of taking paid time off to care for new or sick children, and for those that do, it's often an unaffordable one. Sanders proposes 12 weeks of paid family or medical leave for all U.S. workers, as well as 7 days of guaranteed paid sick days.

4. Free College

Sanders has outlined six steps he would take to making college debt-free. One of those ideas is to eliminate tuition at public colleges and universities throughout the country. For the 2015 to 2016 school year, the average in-state tuition at a public institution cost $9,410, according to the College Board, which is a 13% increase from the previous academic year. Even with the other costs of education beyond tuition, eliminating that expense could make a college degree much more affordable.

The entire plan is estimated to cost $75 billion annually, according to Sanders' campaign website. He plans to pay for the plan by imposing what is essentially a sales tax on stocks and other investment products.

5. Student Loan Refinancing

Part of the problem with high tuition costs is the student loan debt it generates. There's more than $1.3 trillion in outstanding student loan debt in this country, and it continues to grow as new borrowers take on loans and current balances accrue interest.

Those interest rates are a huge point of contention in the student loan world. Student loan rates are high by most consumer loan standards, and for the most part, borrowers are stuck with them. Sanders not only wants to cut interest rates in the first place, he also proposes making refinancing available so borrowers with high rates from many years ago can take advantage of today's lower rates.

TheBottomLine: Trust Deed Opportunity

TheBottomLine: Trust Deed Opportunity: Good Afternoon, We have a trust deed investor opportunity. The property is a 1999 home with 2850sqft. on nearly a 4600sqft lot. It has 5b...

Trust Deed Opportunity

Good Afternoon,

We have a trust deed investor opportunity. The property is a 1999 home with 2850sqft. on nearly a 4600sqft lot. It has 5bd 3ba that will have a very light rehab. Comps are near 1.1m and will command full value when completed. It's located in Aliso Viejo in South Orange County in a highly desirable community. The 3-6 mo short term investment is 750K returning 10% per-annum or 6250/mo If you or anyone you know has an investment interest, please contact me.

Thank You,

Michael Brown
714 587 0486

The Bottom Line