Affordable Housing Resources - Gentrification - NIMBY - YIMBY - Real Estate Investment - REITs 101
The Rent Is Too Damn High: What To Do About It, And Why It Matters More Than You Think...
Affordable Housing Resources...
PHCD has partnered with GoSection8 to provide a user-friendly way to list rental properties online. Listings are available to potential Housing Choice Voucher participants who are seeking apartments, duplexes, single-family homes or townhomes in the private market.
Created by the Florida Legislature to help Floridians obtain safe, decent and affordable housing. The site has an online affordable housing locator service to find affordable rental housing around the state
Find Affordable Rental Housing...
A housing provider that discriminates against someone could be a landlord or a real estate management company. It could also be a lending institution like a bank or other organization that aids in the homebuying process.
Housing discrimination is prohibited by the Fair Housing Act. Discrimination covered by the Act can take many forms beyond just raising prices or lying about availability
The term YIMBY, which stands for "Yes In MY Backyard," describes a pro-development political stance that generally supports planning and building at larger scales than the country's history of sprawl, single-family zoning, and car-centric planning has allowed.
The primary idea behind the YIMBY movement is that land use regulations, such as zoning codes, should be reformed to allow more housing to be built. By building more housing, the YIMBY argument goes, the market will provide more housing options at various income levels and will limit the environmental impacts of unfettered sprawl.
The YIMBY acronym was invented to respond directly to the older term, NIMBY, for "Not in My Backyard." By comparison, NIMBY is generally pejorative—you won't often hear anti-development forces using the term NIMBY to describe themselves.
YIMBYs, both individuals and organizations, do use the term YIMBY to describe themselves, and are very clear about their goal of advocatin.
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Considered in context of each other, the terms NIMBY and YIMBY contest some of the most fundamental debates of planning: what to build, where, and how much. YIMBYs and NIMBYs contest this ground in court and in the legislature, in a constant push and pull of regulation and litigation with results that vary by local and state jurisdiction.
Despite the well entrenched political power of anti-development forces, YIMBYs have ascended into the political mainstream, with a string of substantive political, legislative, and legal victories (more on the rise of the YIMBY).
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While YIMBY activists claim that their desired pro-development reforms are designed to respond to the discriminatory effects of exclusionary zoning by increasing the total number of housing units on the market, lessening the competition for any given housing unit at any given price point. Many anti-gentrification advocates are skeptical, however, that market-rate housing accomplishes anything other than raising rents and property taxes throughout the neighborhood, thus pricing out the existing community.
At the heart of this debate about the effect of market-rate housing developments is a dynamic known as filtering,
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What Is Gentrification?
Gentrification is a process of neighborhood change, usually resulting from an influx of relatively wealthy, white residents to a neighborhood. But that definition, and the controversies that follow, vary greatly by location, and there is no universally accepted definition of the term.
a lack of affordable housing resulting in the displacement of the individuals and culture that previously inhabited the neighborhood.
The debate about whether new housing investment causes gentrification, or whether a lack of new development causes gentrification.
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A consideration of race is essential to an understanding of gentrification, although gentrification can certainly be found in low-income white neighborhoods as well and many definitions of the term to be found online will avoid the subject of race altogether. While gentrification is generally perceived as a threat to the cultural identity and economic stability of people of color.
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Types of Real Estate Investment...
Real estate investments can occur in four basic forms: private equity (direct ownership), publicly traded equity (indirect ownership claim), private debt (direct mortgage lending), and publicly traded debt (securitized mortgages).
Many motivations exist for investing in real estate income property.
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Real estate investments can occur in four basic forms: private equity (direct ownership), publicly traded equity (indirect ownership claim), private debt (direct mortgage lending), and publicly traded debt (securitized mortgages).
Many motivations exist for investing in real estate income property. The key factors are current income, price appreciation, inflation hedge, diversification, and tax benefits.
Adding equity real estate investments to a traditional portfolio will potentially have diversification benefits because of the less-than-perfect correlation of equity real estate returns with returns to stocks and bonds.
If the income stream can be adjusted for inflation and real estate prices increase with inflation, then equity real estate investments may provide an inflation hedge.
Debt investors in real estate expect to receive their return from promised cash flows and typically do not participate in any appreciation in value of the underlying real estate. Thus, debt investments in real estate are similar to other fixed-income investments, such as bonds.
Regardless of the form of real estate investment, the value of the underlying real estate property can affect the performance of the investment with location being a critical factor in determining the value of a real estate property.
Real estate property has some unique characteristics compared with other investment asset classes. These characteristics include heterogeneity and fixed location, high unit value, management intensiveness, high transaction costs, depreciation, sensitivity to the credit market, illiquidity, and difficulty of value and price determination.
There are many different types of real estate properties in which to invest. The main commercial (income-producing) real estate property types are office, industrial and warehouse, retail, and multifamily. Other types of commercial properties typically are classified by their specific use.
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Real estate securities provide a way to invest in companies that own properties such as shopping malls, office buildings and apartments. This large and growing segment of the global equity market offers access to a wide range of property types and geographic regions, each with distinctive characteristics.
Real Estate Investment Trusts..
What Is a REIT?
REITs are firms whose sole purpose is to own and operate real estate properties. Some invest in commercial property such as parking lots or office buildings. Others invest in residential property like apartment buildings or houses. By law, REITs must pass on 90% of their profits in the form of dividends. Most distribute them to their investors quarterly.
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Returns and performance are important, but whether they are good or not depends upon you and your investing strategy. What's good for another investor's portfolio may not be the best fit for yours.
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Types of REITs and How to Invest in Them...
Real estate investment trusts (REITs) are a key consideration when constructing any equity or fixed-income portfolio. They can provide added diversification, potentially higher total returns, and/or lower overall risk.
In short, their ability to generate dividend income along with capital appreciation makes them an excellent counterbalance to stocks, bonds, and cash.
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Returns of REITs
Real estate investment trusts are historically one of the best-performing asset classes.
Retail REITs
Approximately 24% of REIT investments are in shopping malls and freestanding retail.3
This represents the single biggest investment by type in America. Whatever shopping center you frequent, it's likely owned by a REIT.
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Residential REITs
These are REITs that own and operate multi-family rental apartment buildings as well as manufactured housing.When looking to invest in this type of REIT, one should consider several factors before jumping in.
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Healthcare REITs
Healthcare REITs will be an interesting subsector to watch as Americans age and healthcare costs continue to climb. Healthcare REITs invest in the real estate of hospitals, medical centers, nursing facilities, and retirement homes.
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Office REITs
Office REITs invest in office buildings. They receive rental income from tenants who have usually signed long-term leases. Four questions come to mind for anyone interested in investing in an office REIT.
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| KBWY | Invesco KBW Premium Yield Equity REIT ETF… |
| FRI | First Trust S&P REIT Index Fund |
| BBRE | JPMorgan BetaBuilders MSCI U.S. REIT ETF |
- Invest at least 75% of its total assets in real estate
- Derive at least 75% of its gross income from rents from real property, interest on mortgages financing real property or from sales of real estate
- Pay at least 90% of its taxable income in the form of shareholder dividends each year
- Be an entity that is taxable as a corporation
- Be managed by a board of directors or trustees
- Have a minimum of 100 shareholders
- Have no more than 50% of its shares held by five or fewer individuals
- If property that is contributed has appreciated, the partnership agreement must provide that the contributing partner be allocated certain amounts of income, gain, loss, deductions, or credits not based on his/her partnership interest, but rather adjusted to take into account his/her basis in the property transferred. This generally will mean that the contributing partner will receive less depreciation deductions and will recognize a gain on any sale of the property, taking into consideration the original basis in the property.
- If property has a mortgage or other partnership-related debt, reduction of the debt may result in a deemed distribution (which may be taxable) to the contributing partner.
- If the contributing partner receives cash or marketable securities from the partnership at the time of transfer or within a time period thereafter (within two years), the partner may be treated as having sold his/her property, in whole or in part, rather than having contributed it the partnership and will recognize gain.
- The contributing partners remain subject to all the usual rules restricting use of losses, including passive losses and at-risk limitations.
- The partnership agreement generally includes provisions to protect the REIT partner, including that the partnership is required to make specified distributions to ensure the REIT can meet the 90% distribution test mentioned above.
- iShares U.S. Real Estate (IYR)
- Vanguard Real Estate (VNQ)
- SPDR Dow Jones REIT (RWR)
- iShares Cohen & Steers REIT (ICF)
- Simon Property Group (SPG)
- Public Storage (PSA)
- Equity Residential (EQR)
- Healthpeak Properties (PEAK)
- Ventas (VTR)
- International real estate investment trusts (REITs) aren't tied to the U.S. real estate market, so they provide a good way to diversify a portfolio.
- International REITs aren't liquid. This can make it a challenge for short-term investors to sell their assets.
- The best way to invest in international REITs may be through exchange-traded funds (ETFs) because ETFs are liquid and they offer capital gains reinvesting options.
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- Foreign REITs offer even greater diversification for U.S. investors in many cases. The real estate isn't tied to the U.S. market. Foreign REITs also have low correlation coefficients with their respective country's domestic markets
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- \Further diversification can be achieved by investing in global real estate funds that follow a global real estate index.
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REITs have continued to expand worldwide after their successful debut in the U.S. They offer many pros and cons. Still, they can complement most diversified foreign portfolios.
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Ways To Invest in REITs
The easiest way to invest in foreign REITs is through the use of exchange-traded funds (ETFs). Many of these ETFs don't offer dividend yields, but there's the chance for capital gains from the reinvestment of any dividends.
You may also be better off selecting other REITs to purchase if they offer attractive yields. The most popular international REIT ETFs include:
- SPDR Dow Jones Global Real Estate (RWO)
- WisdomTree International Real Estate (DRW)
- SPDR Dow Jones International Real Estate (RWX)
- iShares S&P Dev ex-US Property (WPS)
- iShares FTSE EPRA/NAREIT Dev Real Estate (IFGL)
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INVESTORS, What to invest in: www.facebook.com/visiononeholding Hedge funds, Venture capital, Private equity firms,or the easiest way is: Stocks. Or the least investment vehicles that provide exposure to the stock market. www.visiononeholding.blogspot.com The stock market is the place that will deliver the best long-term return on your money.ALSO INDEX FUNDS AND ETF,S.-----------------ETFs (exchange-traded funds). Like index funds, ETFs contain a bundle of investments that can range from stocks to bonds to currencies and cash. www.visononecapital.blogspot.com The beauty of an ETF is that it trades like a stock, which means investors can purchase them for a share price that is often less than the $500-plus minimum investment many mutual funds require.----------------Index Funds: How to Invest and Best Funds to ChooseIndex funds are a low-fee, no-fuss way to invest. It might be the smartest and easiest investment you ever make.-------------Index Funds:They’re an easy, hands-off, diversified, low-cost way to invest in the stock market.-------------When investors buy an index fund, they get a well-rounded selection of many stocks in one package without having to purchase each individually.Global Real Estate ETFs...
Global Stock Market ETF - SPGM - SPGM by State Street SPDR -
Vanguard Global ex-U.S. Real Estate ETF - VNQI -
iShares Global REIT ETF - REET -
SPDR Dow Jones International Real Estate ETF - RWX -
iShares International Developed Real Estate ETF - IFGL -
Fidelity Real Estate Investment ETF - FPRO -
iShares International Developed Property ETF - WPS -
SPDR Dow Jones Global Real Estate ETF- RWO -
TThe largest REIT ETF is the Schwab U.S. REIT ETF = SCHH- A real asset is a tangible investment that has an intrinsic value due to its substance and physical properties.
- Commodities, real estate, equipment, and natural resources are all types of real assets.
- Real assets provide portfolio diversification, as they often move in opposite directions to financial assets like stocks or bonds.
- Real assets tend to be more stable but less liquid than financial assets.
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- Real assets, however, have lower liquidity than financial assets, as they take longer to sell and have higher transaction fees in general. Also, real assets have higher carrying and storage costs than financial assets.
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- Financial assets are liquid assets that derive their value from a contract or agreement.
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- While this allocation depends on an investor’s personal circumstances and can vary, a general rule of thumb is to allocate 5% to 10% of your portfolio to individual stocks or other alternative asset classes, Boneparth says. The rest should consist of less risky investments, like passive index funds that track the S&P 500---------------C. Can I afford to lose this money?First, assess whether you’re spending an amount you can afford to lose. Again, remember that financial experts warn against trying to pick stocks and time the market. It’s extremely difficult to outperform the market, and even harder to do so consistently over time.“One of the golden rules here is never invest more than you’re willing to lose,” “Be mindful of how much you’re putting at risk.”Financial assets are different from real assets because of their non-physical nature.While you may dedicate some funds to individual stocks, consider putting the bulk of your investments in index funds, which provide automatic diversification and are typically low cost. Index funds tend to outperform actively managed funds as well.
- The most common personal financial assets are checking accounts and retirement investments, as well as stocks and bonds for the average investor.
- Financial assets are considered liquid because they generally can be sold easily but can also lose value over time. If a company or individual has high liquidity, that means they have enough assets to meet financial obligations.
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- When it comes to tax season, the IRS requires real and financial assets to be reported together as tangible assets.
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What Is a Tangible Asset?
- A tangible asset is an asset that has a finite monetary value and usually a physical form. Tangible assets can typically always be transacted for some monetary value though the liquidity of different markets will vary. Tangible assets are the opposite of intangible assets which have a theorized value rather than a transactional exchange value.
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- Companies have two types of assets: tangible and intangible. Tangible assets are assets with a finite or discrete value and usually a physical form. These are items a company uses in its operations that it can touch and utilize in the real world.
- Tangible assets are items with a real physical form that may depreciate in value over time.
- Tangible assets are recorded on the balance sheet, usually as a long-term asset.
- Tangible assets are usually less liquid than intangible assets, items that you can't touch.
- Though tangible assets usually have real world value, they are also associated with potentially higher expenses or risks such as storage, insurance, and obsolescence.
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femkonsa/ If You Have More Than $1,000 in Your Saving/Checking Account, Make These Moves.Municipal Bonds:A municipal bond, commonly known as a muni bond, is a bond issued by a local government or territory, or one of their agencies. Types of Tangible Assets
Tangible assets can be either current assets or long-term assets. Current assets may or may not have a physical onsite presence but they will have a finite transaction value.
Long-term assets, sometimes called fixed assets, comprise the second portion of the asset section on the balance sheet. These long-term assets have less liquidity and are often more capital-intensive in nature. Long-term assets are usually tangible assets much larger in size.
Tangible assets are recorded on the balance sheet at the cost incurred to acquire them. Long-term tangible assets are reduced in value over time through depreciation. Depreciation is a noncash balance sheet notation that reduces the value of assets by a scheduled amount over time. Current assets are converted to cash within one year and therefore do not need to be devalued over time.
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Intangible assets such as goodwill cannot usually be sold individually in an open market but in some cases they may be acquired from other companies. They may also be paid for and transferred as part of an acquisition or merger deal. Intangible assets do contribute to a firm’s net worth and total value if they are recorded on the balance sheet but it is up to the firm to decide on any carrying value.
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What Is a Capital Asset?
- Capital assets are significant pieces of property such as homes, cars, investment properties, stocks, bonds, and even collectibles or art. For businesses, a capital asset is an asset with a useful life longer than a year that is not intended for sale in the regular course of the business's operation. This also makes it a type of production cost.
- Capital assets may be tangible or intangible, though most capital assets are related to buildings, land, or FFE.
- Capital assets are different than ordinary assets in that capital assets are more useful in the long-term whereas ordinary assets primary value is in the day-to-day operations of the company.
A capital asset is generally owned for its role in contributing to the business's ability to generate profit. Furthermore, it is expected that the benefits gained from the asset will extend beyond a time span of one year.- ------
ntangible Assets
Though many capital assets are usually physical assets you can touch, capital assets can technically be intangible goods. Stocks, bonds, trademarks, patents, or other non-physical goods can be capital assets depending on their use. Capital assets may also represent a claim on indebtedness, mutual funds, or tenancy rights.
It is important to note that intangible assets may have different limitations when expensing or depreciating the value of the assets.
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What Is Intellectual Property...
Intellectual property is a broad categorical description for the set of intangible assets owned and legally protected by a company or individual from outside use or implementation without consent. An intangible asset is a non-physical asset that a company or person owns.
The concept of intellectual property relates to the fact that certain products of human intellect should be afforded the same protective rights that apply to physical property, which are called tangible assets.
Intellectual Property Infringement
Attached to intellectual property are certain rights, known as Intellectual Property Rights (IPR), that cannot be infringed upon by those without authorization to use them.6
IPRs give owners the ability to bar others from recreating, mimicking, and exploiting their work.
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Companies are diligent when it comes to identifying and protecting intellectual property because it holds such high value in today's increasingly knowledge-based economy. Also, producing value intellectual property requires heavy investments in brainpower and time of skilled labor.
- Intellectual property is an umbrella term for a set of intangible assets or assets that are not physical in nature.
- Intellectual property is owned and legally protected by a person or company from outside use or implementation without consent.
- Intellectual property can consist of many types of assets, including trademarks, patents, and copyrights.
- Intellectual property infringement occurs when a third party engages in the unauthorized use of the asset.
- Legal protections for most intellectual property expire after some time; however, for some (e.g., trademarks), they last forever.
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Franchises
A franchise is a license that a company, individual, or party–called the franchisee–purchases allowing them to use a company's–the franchisor–name, trademark, proprietary knowledge, and processes.
The franchisee is typically a small business owner or entrepreneur who operates the store or franchise. The license allows the franchisee to sell a product or provide a service under the company's name. In return, the franchisor is paid a start-up fee and ongoing licensing fees by the franchisee.
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Types of Intellectual Property
Intellectual property can consist of many types of intangibles, and some of the most common are listed below.
Digital Assets
Digital assets are also increasingly recognized as IP. These would include proprietary software code or algorithms, and online digital content
Trademarks
A trademark is a symbol, phrase, or insignia that is recognizable and represents a product that legally separates it from other products. A trademark is exclusively assigned to a company, meaning the company owns the trademark so that no others may use or copy it. A trademark is often associated with a company's brand.
Copyrights
Copyrights provide authors and creators of original material the exclusive right to use, copy, or duplicate their material. Authors of books have their works copyrighted as do musical artists. A copyright also states that the original creators can grant anyone authorization through a licensing agreement to use the work.
Patents
A patent is a property right for an investor that's typically granted by a government agency, such as the U.S. Patent and Trademark Office.
Trade Secrets
A trade secret is a company's process or practice that is not public information, which provides an economic benefit or advantage to the company or holder of the trade secret. Trade secrets must be actively protected by the company and are typically the result of a company's research and development (which is why some employers require the signing of non-disclosure agreements, or NDAs).
Mortgage REITs
Approximately 10% of REIT investments are in mortgages as opposed to the real estate itself.3 The best known but not necessarily the greatest investments are Fannie Mae and Freddie Mac. They are government-sponsored enterprises that buy mortgages on the secondary market.
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How does a company qualify as a REIT?
To qualify as a REIT a company must:
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REIT Election Considerations
Before deciding to form a REIT, it is important to consider an entity’s business plan and the makeup of the investors and their related preferences. If the business plan calls for short-term income from flipping both commercial and residential property, this would not be appropriate for the REIT structure. A 100% tax is imposed on the net income from prohibited transactions that include the sale of property held for sale by an entity in the ordinary course of business (e.g., property held as inventory or short-term flipping of real estate).
However, if investors are looking for long-term capital appreciation, a REIT could be a structure worth considering due to the tax advantages of being entitled to the dividend paid deduction. Upon making the election, it is important to also decide on an Umbrella Partnership REIT (“UPREIT”) or DownREIT structure.
An UPREIT is a structure in which the REIT owns its required real estate investment through an operating partnership.
A DownREIT structure is typically used by existing REITs where a REIT owns properties directly in addition to its investment in an operating partnership.
The UPREIT structure permits deferral of a gain upon contribution of properties while allowing the contributing partner to obtain liquidity and diversification. If an owner were to contribute appreciated real property directly to a REIT, gain or loss would generally be recognized. Using an UPREIT structure would be an ideal way for a real estate owner to transfer his or her property to a REIT without recognizing a gain. There are provisions to consider with an UPREIT structure that include the following:
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''Carefully consider the investment objectives, risks, charges and expenses before investing. A prospectus, contains this and other important information about an investment company. Read carefully before investing.
Diversification does not eliminate the risk of experiencing investment losses.
ETFs are subject to risk similar to those of their underlying securities, including, but not limited to, market, investment, sector, or industry risks, and those regarding short-selling and margin account maintenance.
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Some ETFs may involve international risk, currency risk, commodity risk, leverage risk, credit risk, and interest rate risk. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors.
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Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, small-capitalization securities, and commodities.
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Each individual investor should consider these risks carefully before investing in a particular security or strategy.''
--------------You can also open a brokerage account and buy into individual REITs directly. Some of the larger individual REITs are:
There are also a growing number of ways to access overseas REIT markets.
Another advantage of REITs is that unlike bonds bought at issue, REITs have the potential for longer-term capital appreciation.
| REET | iShares Global REIT ETF | ||
| BBRE | JPMorgan BetaBuilders MSCI U.S. REIT ETF | ||
| SCHH | Schwab U.S. REIT ETF | ||
| KBWY | Invesco KBW Premium Yield Equity REIT ETF…
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What are mortgage REITs?
Mortgage REITs don't own property outright. Instead, they invest in mortgages, mortgage-backed securities, and related assets. Dividends are paid out of the interest earned on mortgages and other assets. Equity REITs own properties outright.
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Invest in Foreign Real Estate With International REITs
Diversify Your Portfolio With Exposure to Global Real Estate..
Dividend investment is considered a safe option in the current economic
landscape as these securities have historically outperformed the broader
market with less volatility.
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When It’s Rough Out There. Stick With Dividend Stocks to Stay Afloat....
Why dividend investing remains a compelling income opportunity?
*Cashflow from dividend payments are an important source of income (and
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What Are Real Assets?
Real Asset?
Real assets are physical assets that have an intrinsic worth due to their substance and properties. Real assets include precious metals, commodities, real estate, land, equipment, and natural resources. They are appropriate for inclusion in most diversified portfolios because of their relatively low correlation with financial assets, such as stocks and bonds.
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Real Assets
Assets are categorized as either real, financial, or intangible. All assets can be said to be of economic value to a corporation or an individual. If it has a value that can be exchanged for cash, the item is considered an asset.
Intangible assets are valuable property that is not physical in nature. Such assets include patents, copyrights, brand recognition, trademarks, and intellectual property.
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Financial assets are a liquid property that derives value from a contractual right or ownership claim. Stocks, bonds, mutual funds, bank deposits, investment accounts, and good old cash are all examples of financial assets. They can have a physical form, like a dollar bill or a bond certificate, or be nonphysical—like a money market account or mutual fund.
In contrast, a real asset has a tangible form, and its value derives from its physical qualities. It can be a natural substance, like gold or oil, or a man-made one, like machinery or buildings.Real assets, however, have lower liquidity than financial assets, as they take longer to sell and have higher transaction fees in general. Also, real assets have higher carrying and storage costs than financial assets.
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Financial assets...
Financial Assets...
Financial assets are liquid assets such as stock equity or bank deposits that assume their value from a contractual claim or ownership on an underlying asset. An underlying asset can be anything from a commodity to a piece of real estate. These real, often tangible assets are attached to financial assets, such as commodity futures or real estate investment trusts (REITs), respectively.
The most common type of personal financial assets are bank deposits and investment portfolios.
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