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It is most generally acknowledged that the person’s early years such as the twenties is the best time to start investing. After all, you have all of life ahead to invest money which is why so many books on investment – most actually – are geared towards the twenties. Fewer are towards the thirties, and even fewer towards the forties and retirement. This may be partly why trust deed investing is so appealing. In today’s low-return low-interest-rate environment, trust deed investing is one of the few investment options that can help you substantially increase the amount of your monthly income. And little expense is involved. (Although risk is another matter).What is trust deed investment?Trust deeds are like a private real estate loan. If you’re a real estate entrepreneur (for instance) who wants to snap a fast loan to rehab a piece of property in order to sell at a profit, trust deed investors may be your best choice. They’d give you the loan in a blink’s eye far faster than the bank where it takes drawn out negotiations and filing of hefty tomes until you get that loan. (If at all). The average amount of time is 60 days. Some entrepreneurs cannot wait that long. They need to snap that deal and that’s where the trust deed investor comes in handy. He forks over your required funds within that same week, sometimes that same day at 1/3rd of the paperwork and nil of the stress. The downside is that the borrower pays a much higher rate than he might for a mortgage, typically 8% to 12% (since the investor is taking more of a risk).How does it work?The process is such that the buyer works through a third-party loan originator who underwrites and facilitates the loan for one year. Schedules can be restructured, but generally the borrower makes interest-only payments each month and a balloon payment of the principal once the loan reaches its maturity.So let’s say you’re the investor and you fund 250,000 at 10% APR, you’ll either receive 12 interest payments of $2,083 each, totaling $25,000, and at the end of the year, get back your $250,000. Or, in the worst case scenario, you pocket the defaulting borrower’s land.Other things you’ll want to know…There’s no set minimum for investing in a single trust deed. They can be fractionalized – that is, divided into several portions – but loan originators generally prefer to deal with one investor per loan.Finding trust deeds to invest in can be difficult. Your best bet may be to find an experienced broker or advisor with a history of success. These have likely established relationships with originators and you can work through them. If you don’t want to hunt these deals down, you might invest in a trust deed fund run by a professional manager. These funds currently pay between 8% and 11% per year and have minimum investment amounts that start around $50,000.To acquire credibility, you may want to consider running for SEC licensing.Pluses of investing in trust deedsThe pluses are particularly topical now with the Fed hiking its interest rates and maybe hiking them still higher. Trust deed investments protect you from the shenanigans for rising rates because they’re held to maturity and have short durations. You can also use any sort of cash to invest. You automatically have the right to foreclose on any property when the borrower has defaulted on the loan. Trust deed investing can open the door to other investment opportunities. It also offers a return on investment that comes in at higher than average; expect a typical return of 9 to 14 percent. And, if managed well, this type of investing is secure. This is because it has a guaranteed yield.Minuses of investing in trust deedsThe obvious minus is the very likely possibility of your investment defaulting, namely the borrower not paying you back. This happens to approximately 85 % of private money lenders at some time in their lives, some more than others. Redfin, a residential real estate company that provides web-based real estate database and brokerage services, predicts that it is going to happen to many more this coming year when housing prices are going to lurch beyond restraintManaging risk…How can you prevent losing your money? Experts strongly advise lenders to research client’s credit history and trustworthiness. They also recommend that you research the value of the client’s property and the extraneous market environment to the point that you physically investigate the building yourself. If you’re not up to this, consider hiring an advisor with experience in this market. Before you invest, analyze a fund’s portfolio and the loan loss reserves. As with individual trust deeds, you may want to have a professional do this.In short…NerdWallet, one of the leading advisory websites on investments has this to say: If you exercise due caution, trust deed investments can be a great income generator at a time when investments that produce good returns are few and far between.You may want to consider it.

Are you one of the thousands upon thousands of people who are 60, 80, or 100 pounds overweight, and have tried diet after diet only to discover they didn’t work?Have you stuck to a diet and lost 10 or 20 pounds only to find that once the diet ended, you gained all your weight back and more?If so, you are definitely not alone. In fact, if you are one of the people who medical experts refer to as obese, chances are that a traditional diet isn’t going to work for you, and certainly the latest ‘fad’ diet isn’t going to work.By focusing on changing your eating habits to include more nutritional and healthy foods, rather than on weight loss and calorie counting, will help you to lose much more weight that any so called “Diet”The Problem With DietsThe main problem with diets is that they are designed for quick short term weight loss. This means that by their very nature they radically cut calories, and in doing so cut many of the vitamins and nutrients your body needs to maintain good health.While this may have little effect on those looking to only lose 5 or 10 pounds, for anyone who tries dieting long-term, they experience unrelenting hunger pangs, food cravings, and even begin to feel weak and more unhealthy than ever before. In addition, many of these diets end up robbing you of energy and make you feel depressed.And all of this leads to quitting the diet, possibly gaining even more weight back, while feeling that you have failed once again.Don’t Focus On Weight Loss Focus On Eating HealthyRather than focusing on weight loss, start focusing on eating more nutritional and healthy foods. By shifting your focus you are improving your overall health, while ‘shedding’ those pounds for good. Eating more nutritionally isn’t a diet, it is a lifestyle change that not only helps you lose weight, but makes you feel and look better from the inside out.Start By Learning All You Can About NutritionMost of us think that we know all about good nutrition, but in fact we really know little at all. For example, most people believe that low fat food is better for you than their fattier counterparts. Why? Because this is what we have been told.However, low fat food is often worse for you than the full fat versions. Take a look at the label on whole milk, or cheese, and then compare the low fat versions of these products.The low fat version may contain less fat, but they are extremely high in sodium that not only adds water weight, but causes a variety of health problems as well – and the processed low fat food products are notorious for replacing some of the fat with high fructose corn syrup so they can be called ‘low fat’ and ‘sugar free’.Additionally, you also need to learn how to prepare foods so they keep more of their nutritional value. Fresh raw fruits and vegetables are more healthy than cooked, and micro-waving robs almost all foods of their nutrients. Once you have learned more about nutrition, you can then also look for foods that are considered to be fat burning or anti-inflammatory, as well as nutritional.Why You Lose Weight With Nutritionally Sound FoodsOne of the reasons you lose weight when eating nutritionally sound foods is because many of these foods are naturally lower in calories. This means that you can actually eat more actual food and still consume less calories.And this is especially the case when comparing to foods like pasta, bread, cereal, and other high calorie processed foods that are often full of sugar – none of these are nutrient rich and healthy, and you can’t lose weight with ‘nutritionally empty’ foods.When you eat nutrient dense foods, you are also giving your body what it needs to function properly. This results in feeling more sated, so you are less hungry and have fewer cravings for your problem foods. And all of this results in eating less.Eating foods that are high in vitamins, minerals and other nutrients can help you feel better overall. When you feel healthier you have more natural energy – which makes it easy for you to increase your activity levels, which helps to burn off even more calories that results in more weight loss. And the beat goes on!Best of all you,can begin making small changes in your diet to include more nutritional foods, and then add more and more of these foods as you go along. This will give your body time to adjust to your new way of eating, while allowing you to change your diet in a manner that doesn’t send your body into shock and starvation mode.And whatever you do, don’t try to lose weight by fasting or eating ridiculously low amounts of calories. Each small healthy change you make, will result in more weight loss, and you can consistently meet your weight loss goals in a way that is healthy and will enable you to keep the weight off.