Jason Hartman - September 2019

Jason Hartman's Financial Freedom Report

E very time I venture across the Atlantic to visit Europe, I’m left with the same question: Why do so many Americans look to the countries on that continent as role models for our nation’s future? This summer’s trip was no exception. I came home even more firmly convinced that U.S. real estate is the best in the world, thanks in part to the wonders of capitalism. All Aboard U.S. Income Property! Why a Recent European Cruise Made Me Love U.S. Real Estate Even More

real estate market are very inactive. Excessive government regulation stifles growth, and everything moves slower because Europeans have been conditioned for the mindset of scarcity rather than abundance.

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Frankly, every time I visit Europe, I’m reminded of why I love the U.S. Here, the mindset for everyone from businessmen to blue collar workers is abundance. Creativity and innovation abound, and more lenient government regulations encourage

Mortgage Payment



My impression after a recent 10-day Scandinavian cruise was that, although the scenery was beautiful and the locales were exotic, every stop provided a window into the disastrous impact of European socialism. There’s no doubt that

Median Home Price



investment and risk. It’s no wonder investors from around the world love buying U.S. real estate.

Residential Construction

$509.6 B

$512.8 B

the standard of living in the U.S. is higher than it is in Europe. According to a 2017 Pew Research Center study, the median disposable income of middle-class households in 11 Western European countries trails well behind the U.S. median, reported to be $60,884. Norway comes closest to the American standard with $56,960, but Denmark, the Netherlands, Germany, Finland, France, Ireland, the U.K., Spain, and Italy fall further and further behind in that order, with Italian middle-class households pulling in just $35,608 per year. By extension, the economies of Europe and its attendant

That said, I did thoroughly enjoy my trip through Scandinavian waters. The cruise ship made stops in Denmark, Finland, Germany, Poland, Russia, and Sweden. I’d visited them all before, but some were new for my dog, who has now left her pawprint on 16 nations. This was my third trip to Russia, and I found it the most fascinating stop of them all. After struggling under communism for seven decades, the country is still trying to rebuild from that disaster, but it’s home to incredible sights, like the stunning buildings of St. Petersburg. "FRANKLY, EVERY TIME I VISIT EUROPE, I’M REMINDED OF WHY I LOVE THE U.S. " Another highlight of my trip was the cruise ship itself. It’s so convenient to pack and unpack just once, and with everything from food to attendants at your

Job growth



Wages (year-over-year)







Finding Fulfillment in Your Golden Years Why More Adults Over 55 Continue to Work

According to the Bureau of Labor Statistics, upward of 40% of people aged 55 and older are continuing to work past the normal retirement age. There are a number of reasons why people are choosing to stay employed, with one of the biggest being a lack of retirement funds, but some are also using work to keep their minds and skills sharp. In fact, most of the jobs that the 55-plus crowd goes after keep them engaged with the community and help them lead more active lives.

• Construction/

building inspectors

• Crossing guards

• Clergy

These seven jobs are projected to grow between 8–14% over the next six years

according to BLS data. They often pay well and don’t always require a full-time commitment. Many even offer flexible schedules, which can help older workers spend more time with peers or loved ones. This balance is exactly what many older workers are looking for, especially those who are “part-time retired.”

The BLS categorized the jobs many older workers are currently pursuing:

• Real estate appraisers/assessors

• Property/real estate/community association managers

folks to interact with the community and stay active, both of which, research suggests, are essential to healthy living as people age. For many, working past retirement, or not leaving the workforce entirely, can be a win-win-win: It’s a win for your bank account, a win for your health, and a win for the community.

• Technical writers

• Tax preparers

More importantly, however, most older workers find these jobs fulfilling. They allow older

Profits in Paradise

It’s Time to Secure Your Seat!

Few things in life are better than a weekend in paradise, but, for investors like you, we have an event coming

Here are just a few of the things attendees will learn Saturday– Sunday, Oct. 26–27:

• How to maximize the benefits from government-backed mortgage loans

• Low-cash strategies for new investors

• How to legally and dramatically reduce taxes

up that fits the bill: a two-day conference in sunny Orlando, Florida, at a luxurious resort where Jason Hartman himself will teach you new strategies for becoming wealthy. Real estate is the world’s best asset class for wealth creation, but, as the world changes, so do the rules for earning money. That’s why it’s vital investors keep up with the changing markets and constantly implement new strategies. Right now, high appreciation markets are reaching “bubble” prices, and higher purchase prices are squeezing income for property investors. If you don’t want to deal with lower returns or end up holding the bag when prices collapse, you’re in luck — Jason can help you avoid both.

• Long-term vs. short-term rental strategies that change the game for investment • How to profitably invest in new property segments and new locations

We firmly believe that when change happens, successful investors adapt and overcome challenges to achieve success. If you’re ready to count yourself among them, secure your spot at Profits in Paradise today at JasonHartman.com .

• How to effectively use

technology to leverage time and income

• The systems that the pros use to automate their real estate business




Why You Should Appreciate Appreciation

A Look at the Real ‘Eighth Wonder of the World’

One of the most attractive things about income property is that it’s an incredibly

$20,000 in appreciation to your base portfolio value of $400,000 and your portfolio will be worth $420,000 just 12 months after your initial investment. In year two, that larger number will be compounded by 5%, meaning you’ll earn an extra $1,000 in appreciation, bringing the value of your portfolio up to $441,000 by the end of the year. Then, that $441,000 will appreciate — continuing the cycle until, just five years from the time of your initial investment, your principal balance surpasses half a million dollars. That’s an

stopped making payments on. Their interest rate compounded year after year, and now, more than a decade later, they owe roughly three times the amount that they originally borrowed thanks to a combination of irresponsibility and appreciation — which can be just as powerful an enemy as a friend. To learn more about how you can ensure appreciation works for you, visit JasonHartman. com to secure an investment counselor and explore our hundreds of investment resources.

multidimensional asset class. There are many ways investors can earn returns, but hovering over them all is appreciation, a fool-proof — though ironically underappreciated — way to pad your portfolio. Albert Einstein called compound interest “The Eighth Wonder of the World,” and appreciation works just like compound interest: for creditors, and against debtors. It’s also constantly accruing, so even passive investors can reap its benefits. Imagine, for example, that you’ve purchased four $100,000 properties from JasonHartman. com with the help if your investment counselor, who notified you immediately when those deals became available. That leaves you with a $400,000 portfolio, and if all four properties appreciate at the realistic annual rate of 5%, you will earn an additional $20,000 in appreciation during that first year. Add that

impressive return, all without taking into account cash flow, tax benefits, inflation- induced debt destruction, or whether you’ve leveraged your portfolio to earn higher returns. Of course, appreciation can also work against you. Jason, for example, once purchased a mortgage note from a lender that, before long, the borrowers


Are you ready to build your fortune? It’s time you invested in real estate. Visit JasonHartman.com or call 1-800-HARTMAN today to schedule a free consultation, shop properties, sign up for events, and explore thousands of investor-specific resources. Income property is the most historically proven asset class in the world.

service, it’s easily the most civilized, hassle-free way to travel. I plan to embark on many more cruises in the future, starting with the seven-night New England and Canada cruise that my company has planned for our upcoming Venture Alliance Mastermind excursion.

If you haven’t yet signed up to join me aboard, consider this your personal invitation. The ship will set sail from Brooklyn, New York, on Oct. 12 and stop in Rhode Island, Maine, Nova Scotia, Massachusetts, and

New Brunswick before returning to New York on Oct. 19. Onboard, we’ll treat you to two exclusive Mastermind sessions, a Bon Voyage Party, a Private Luncheon, Nightly Networking, and much more, in addition to discounted shore excursions and all of the amenities the ship itself has to offer. Visit JasonHartman.com today to reserve your spot, and join me in raising a glass to the best way to see the world. –Jason Hartman





401 E. Las Olas Blvd. Suite 130707 Ft. Lauderdale, FL 33301


All Aboard U.S. Income Property!

Why Are So Many People Deciding Not to Retire?

Profits in Paradise

Do You Fully Appreciate Appreciation?

Are You Ready to Build a Fortune?

Lessons From an Unlikely Businessman

September 2019

Lessons From an Unlikely Businessman

‘Some Stories: Lessons From the Edge of Business and Sport’

Y ou’re probably familiar with the story of outdoor apparel company Patagonia and its founder, Yvon Chouinard. Chouinard’s earlier book, “Let My People Go Surfing: The Education of a Reluctant Businessman,” explored the early struggles and triumphs of Patagonia and gave us some insight into how the company became so successful. Now, Chouinard has given us another glimpse into his world with his new book, “Some Stories: Lessons From the Edge of Business and Sport.” As the title suggests, the book is a collection of stories and beautiful photographs that illustrate how a sense of adventure, a readiness to adapt, and, above all else, a dedication to what you believe in are all necessary parts of doing anything well (including running a multimillion-dollar business). While the book contains plenty of business advice, most of its wisdom is

just as applicable to life as it is to business management.

whether or not you’ve been coasting with your business and life, then this is a must read. As author and reporter Jon Krakauer warns, “this book might make you think twice about what you’re doing with your own life.”

“I know of no better example than Chouinard of what entrepreneurial Americans do best,” wrote author and angler Thomas McGuane. Entrepreneurs have to take initiative and be ready to accept great risk, and Chouinard does both with the pioneering spirit of a true business owner, despite his reluctance to accept the title. He would never abandon his values or the company’s to sell a sweatshirt, and he’s constantly pulling inspiration and guidance from the natural environment. “Some Stories” explores Chouinard’s drive to learn and make mistakes along the way and paints a portrait of an icon of thoughtful action and business success. “Some Stories” is worth it just for the stunning pictures, but if you want to be pulled in by a book, and possibly forced to reconsider




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