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APRIL 2024
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DARINGAR 319-350-53
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THE DAILY GAMBLE THAT PAYS OFF Why Property Investment Is the Smartest ‘Risk’ You’ll Ever Take
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When you think of “taking a chance,” investing might be one of the first things that come to mind. Yet, what if I told you that property investment is nowhere near as risky as you might think? April 23 marks National Take a Chance Day — a concept integral to my career and the success of the people I work with. I see people taking chances every day by deciding to invest their hard-earned money into multifamily properties. Time and time again, I’ve watched these risks pay off, not just once but continuously, for those bold enough to step into the world of real estate investment. Reflecting on Take a Chance Day, I can’t help but think about the hundreds of people I’ve worked with over the years. These people didn’t just take a single leap of faith; they’ve engaged in what
could be seen as a daily gamble — investing in properties, trusting in their management and operations, and betting on their financial success. The difference between my investors and the general public? My investors don’t shy away from opportunities; they grasp them, understanding that taking calculated risks is essential to achieving financial freedom. You see, the critical distinction here is that these investments aren’t wild stabs in the dark. They’re not the equivalent of putting it all on black in Vegas! Instead, they’re informed decisions made with expert insight — decisions that carry a predictable chance of success. This approach of taking calculated risks regularly is precisely what separates conventional financial outcomes from unconventional ones. After all, to achieve something extraordinary, one must be willing to do the extraordinary — step out of their comfort zone and embrace the unknown. It’s interesting to note the perceptions of risk in different professions. I talk to a dozen farmers each year considering the leap into multifamily property investment. Many ultimately decide it’s too risky — a surprising conclusion coming from those in one of the riskiest professions out there! Agriculture is fraught with uncertainties: Storms can decimate crops, livestock can fall ill, and other factors beyond a farmer’s control can undo an entire season’s work.
Yet, to these hardworking individuals, the familiar risks of farming seem less daunting than the unfamiliar territory of real estate investment. This perspective highlights a fundamental human tendency: The fear of the unknown often outweighs the potential for reward. But as those who’ve taken the chance with me can attest, stepping into that unknown can lead to remarkable financial gains. On this National Take a Chance Day, let’s celebrate not just the idea of taking risks but the practice of it: embracing opportunities, making informed decisions, and stepping beyond the conventional. My investors and I don’t just observe this spirit once a year; it’s a principle we live by daily. This willingness to take calculated risks has made all the difference, turning potential into prosperity. To those sitting on the fence, contemplating whether to take that leap into property investment, let today be a reminder: The path to achieving exceptional results is paved with chances taken, not avoided. Who knows? This time next year, you might not only be celebrating National Take a Chance Day but also the anniversary of the best decision you ever made. –Darin Garman
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SUCCEED IN YOUR NO- SPEND CHALLENGE Financial Detox
Thanks to clever advertising and a lack of discipline in spending habits, many people spend too much on trinkets and other things they don’t need. To help us all stop impulsive spending habits, the No-Spend Challenge was developed and has gone viral on the internet. This financial detox challenge encourages us to break free from the mindless spending we may be partaking in. It’s a challenge that pushes mindfulness to reassess financial habits rather than deprive us of necessities.
The first step is creating clear budgeting goals. Whether paying off debt, building an emergency fund, or saving for a specific milestone, having a concrete and well-defined objective helps you stay motivated throughout the process. This should also include an end date to achieve your goal — a year, month, or week are all options. Your plan should also identify and anticipate potential roadblocks during the no-spend period. This structure will make the challenge feel like more than just a temporary spending freeze. This accountability and the communal nature of the trend encourage you to reflect on how often you’re spending your hard-earned money. You can also rediscover the value of experiences that don’t cost anything and develop healthier financial habits. These help dismantle a consumer mindset, enabling you to use funds to fulfill goals rather than a quick adrenaline hit. When you complete the challenge, you will emerge armed with newfound financial freedom, awareness, and discipline, and you’ll be more inclined to reach short-term financial goals, practice healthy spending habits, and work toward long-term financial health. A No-Spend Challenge can foster a community of others who gain these new skills and inspire others to halt their own consumption. This intentional approach to spending will assure participants that they’re in control of their aspirations and the finances that can fund them.
How to Align Your Actions With Your Goals PARTY WEEKEND OR BUSINESS CONFERENCE?
with fun, games, rides, and prizes. To sweeten the deal, the place is in Northwest Iowa, and even though it is a bit of a drive, we would have also been able to visit our parents on the way. So, what would you do if you were me? Do you go to the business conference for four days or spend the four days at a winter party? There is no wrong answer, and you all already know which one I chose. When I looked at my calendar and saw that both events would be at the same time, I chose the business conference. Gina was a bit disappointed because she was looking forward to taking some time off, visiting her parents, and recharging at the Winter Games. Still, she understands the mission and knows what the better decision was. In this, we are aligned. Party vs. Business? Easy decision. The Winter Games would have been a lot of fun, and by the way, I certainly deserve to go to the Winter Games and blow off some steam. We would have also been able to connect with some friends of ours that we were sure would have been in attendance. It would have been an easy
decision, and no one would have faulted me for it. But what serves me best in the long run? What serves my partners best in the long run? My properties? My team? My family? You guessed it. The Winter Games was not the answer. Ultimately, it was not that tough of a decision. So why am I taking up space this month in the newsletter with this information? Why am I sharing this with you? Am I looking for a pat on the back from you? Admiration? An “atta boy Darin”? Nope! Too often, we do what is easy and not what would serve us and those around us better, which is why it is easier not to. For example, is owning and investing in the Heartland of America easy? Nope. But is it the better decision that serves you better? For many, yes.
I returned from a four-day trip to a business conference in New York a few weeks ago. It was absolutely one of the best that I have attended. I am already implementing things I learned and seeing some of the results. The conference was a very intense four days of work. There was not the typical “attend the conference for a few hours and goof around the rest of the day and night.” No, this was serious business from sun up to sun down. Every night, I was dog-tired and ready for bed. That same week, there was another four-day event called Winter Games. These games take place where Gina and I have our lake home. It is four days of fun, parties, and good times. I have written about the Winter Games before in this newsletter, and I would equate it to four long days of winter tailgating
So, looking at my calendar early next year, maybe I will attend the Winter Games. Maybe.
–Darin
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Take a delightful step back in time and indulge in the sweet nostalgia of old- fashioned soda shops with a modern twist. From hand-crafted sodas to creamy, dreamy ice cream sundaes, these spots are more than just places to eat; they’re experiences that transport you to a bygone era of soda jerks and jukeboxes. Join us as we explore the best old-fashioned soda shops in the Hawkeye State! Old Time Soda Fountain — Allerton Step into the heart of Allerton and discover the Old Time Soda Fountain, a cherished gem with its classic white-topped counter, vibrant red stools, and timeless black and white tiled floors. Rescued by a devoted local non- profit, this 1800s landmark thrives under the care of passionate volunteers, offering a taste of history with every fountain drink, frosty root beer, malt, or sundae served. A visit here is a journey back in time, wrapped in the warmth of community spirit. The Farmacy Soda Fountain & Coffee House — Ida Grove The Farmacy Soda Fountain & Coffee House in Ida Grove is a delightful fusion of classic ice cream charm and modern coffee culture. Restored to its original splendor, it offers the community a unique blend of phosphate drinks, root beer floats, sundaes, and malts, complemented by exquisite lattes, espresso drinks, and sweet pastries! Sweet Mercantile — Cedar Rapids Nestled in the heart of The District: Czech Village & New Bohemia, Sweet Mercantile is Cedar Rapids’ go-to for indulging sweet cravings. Featuring an array of specialty sundaes, ice cream sandwiches, scoops, milkshakes, malts, sodas, and floats, it’s a historic treasure offering a taste of nostalgia. This shop is perfect for complementing a visit to nearby attractions like the National Czech & Slovak Museum & Library, the African American Museum of Iowa, the Cedar Rapids Nature Trail, and the Hoover Nature Trail. Embarking on a journey through old-fashioned soda shops is like flipping through the pages of a well-loved history book, with each shop telling its own unique story through flavors and traditional charm. There are actually plenty more old-fashioned soda shops in our state, so be sure to check if there’s one in your area! You can stop by one (or all!) of these delightful soda shops and experience the timeless allure of old-fashioned Americana at its best.
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HEARTLAND INVESTMENT COMPANIES
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Darin Garman: Heartland’s Most Trusted Multi-Family Investment Advisor 2505 Silver Oak Trail Marion, IA 52302 DarinGarman.com 319-350-5378
INSIDE Page 1
The Unconventional Path to Financial Freedom Page 2 Navigating the No-Spend Challenge Party Weekend or Business Conference? Page 3 Visit Iowa’s Finest Old-Fashioned Soda Shops Apartment Sales and Success
Page 4 April Escapes
ESCAPE APRIL SHOWERS THIS SPRING
3 VACATIONS SPOTS TO AVOID SEASONAL GLOOM
April showers bring May flowers, but you don’t have to stick around to wait for them to bloom. Escape to these three destinations and enjoy the new life of spring without the rain. Amsterdam, Holland, Netherlands Why wait for May to see spring flowers? All April long, Holland sports the most beautiful colors in the world, and people from all over the globe go enjoy the Keukenhof Garden Festival. This festival has occurred for 75 years, and as it’s only 30 minutes away from Amsterdam proper, you can experience the best of both worlds. Explore the thousands of tulips during the day and then spend time in the city, exploring the beautiful canals and shopping districts in the evening. Don’t worry if you miss the beautiful flowers; most of the city’s museums and hotels have tulips, too. Seville, Spain Embark on an enchanting journey to Seville, where vibrant culture and passion come alive. Picture yourself strolling through cobblestone streets where you can immerse yourself in the parades that travel through the city
during Holy Week. Brass bands build up to a beautiful celebration on Easter, and just two weeks later, the Feria de Abril begins. This fiesta is full of lively parties, even more music, and colorful costumes. Sevillanos on horseback and the clacking footwork of flamenco dancers are captivating to watch, so don’t miss out by getting rained in. Malta Located to the south of mainland Europe in the Mediterranean Sea, Malta is part of an archipelago consisting of several islands, including Gozo and Comino. Because of its diverse cultures, you’ll hear Arab accents in the language as you pass Baroque architecture. Nature lovers, hikers, and landscape photographers alike can explore the rocky coastlines, impressive rock formations, and dazzling sea caves, such as the Blue Grotto (Malta), plus beautiful beaches like Ramia Bay (Gozo) and Ghajn Tuffieha Bay (Malta). However, the biggest advantage of traveling in Malta is that everything is in full bloom: green fields, blooming citrus trees, and beautiful flowers. If you go in spring, you’ll beat the tourists, too, as summer is peak season.
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