Darnell L Williams
If you missed Part 9, you can click on the link to Part 9 here before you read part 10.
http://brokermakesyoubroker.blogspot.com/2015/04/part-9-lets-talk-about-buying-bonds.html
Let's talk about putting together your bond portfolio funded by your loan or loans. You may have gone to the bank and was given an unsecured loan or a secured loan backed by your car or your property such as a home.
This "Pie in the Sky" was made possible
by my Junk Bond Investments.
My investments paid for this.
Here is where I live.
This is where I spend a lot of my time instead of in an office.
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Sample of Darnell's No Money Down Portfolio
04570VAC7 ASSOCIATED MATERIALS LLC 9.12500% 11/01/2017 SR SEC NT CAA1/B-
$890.00
15.243%
085789AE5 BERRY PETE CO SR NT 6.75000% 11/01/2020 B1/BB-
$800.00 10.243%
492914AS5 KEY ENERGY SVCS INC SR GLBL NT 6.75000% 03/01/2021 B2/BB- $605.00
16.493%
78490FLE7 SLM CORP
EDNOTES BOOK ENTRY 5.50000% 06/15/2029 FR BA3/BB
$750.40
8.138%
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Average
Percentage 7.03125% Total $3,045.40
You have a $5,000 line of credit from your bank. You put $3,045.40 into these bonds, buying 1 bond per issue. Let's say that your rate of interest is 4% from the bank. Let's not count the interest that you will pay to the seller because you will get that back when your interest from the bonds comes due every six months per issue. We also will not count the $38.00 commission.
You have a $5,000 line of credit from your bank. You put $3,045.40 into these bonds, buying 1 bond per issue. Let's say that your rate of interest is 4% from the bank. Let's not count the interest that you will pay to the seller because you will get that back when your interest from the bonds comes due every six months per issue. We also will not count the $38.00 commission.
Gross Income for Bond Interest:
Associated Materials LLC
5/01/..................................................
$ 45.625
11/01/................................................$
45.625
Berry Pete Co.
5/01/..................................................$
45.625
11/01/................................................$
45.625
Key Energy SVCS Inc.
03/01/................................................$33.75
09/01/................................................$33.75
SLM Corp Ednotes Book Entry
06/15/.................................................$27.50
12/15/.................................................$27.50
Total Per
Year.............................................................$ 281.25
Bank Interest Expense at 4%.......................................$
137.04
--------------------------
Total Income................................................................$
144.21
When the four $1,000 bonds mature,
you will have $4,000 - $3,045.40 or $954.60.
Add interest from the first bond maturing, Associated Materials LLC of $182.50
that you made with no money down, on 11/01/2017.
Add interest from the second bond maturing, Berry Pete Co. of $1,650 that you made with no money down, on 11/01/2020.
Add interest from the Third bond maturing, KEY ENERGY SVCS INC SR GLBL NT of $202.50 that you made with no money down, on 03/01/2021.
Add interest from the last bond maturing, KEY ENERGY SVCS INC SR GLBL NT of $440.00 that you made with no money down, on 06/15/2029.
That means this no money down deal will give you $2,475 in interest with $954.60 at maturity on the last bonds. That is:
After giving back parts of the Bank Loan when each bond matures and paying just interest until the bonds mature, You will make more than $3,429.60 over 14 years. That is just with this one venture using someone else's money, not your money.
Now consider being fully invested buying more bonds each time a bond matures using just $5,000 of the banks money. Think about using $100,000 of the banks money doing the same thing!
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1. M&T Bank
On banker said to me just yesterday after I signed the largest bank loan that I ever did, "Darnell, are you sure that you can make money off of this loan?" Why? Because this is one of the largest loans of this type, she ever made. Not only is my butt on the line but so is hers and her bank loan officers.
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They say I talk about "Pie in the Sky!"
This is what I am doing today. The Darnell L Williams Investments Firm is a "non-bank"
bank that took 39 years to come into being. This firm is made up of well over $100,000 in corporate bonds with over $100,000+
in liabilities. None of this money belongs to me.
So no, I am not loaded, as someone said to me this week.
The company makes well over $10,000 with "no money down" per year, clear after paying taxes and interest on the loans. Now that money belongs to me!
So no, I am not loaded, as someone said to me this week.
The company makes well over $10,000 with "no money down" per year, clear after paying taxes and interest on the loans. Now that money belongs to me!
That money belongs to me.
The organizations that put up the money for my
"no money down" investments or given me other services from highest loans to lowest loans are;
2. US Government Program
3. Chase
4. PNC
5. Integrity Bank
6. US Bank
7. APGFCU Credit Union
6. US Bank
7. APGFCU Credit Union
You can participate in such "Pie in the Sky" just
by acting on what you have read in the past 10 parts of this series. Good luck
in what you want to do with this information. No investments are risk free. The
more money you put at risk, the more successful you will be if your plan works.
But the more pain you will have to recover from, if your plan fails.
You can use your own money starting with $1,000. That is the safest way of investing in the Junk Bond Market. Or get investors such as I did with my 7 Bank consortium. But keep in mind, I have 40 year of experience in Junk or non-investment grade bonds. So I have a history of making money in these investments and I can prove it. As you obtain more confidence, you can become more confident and get larger loans and make larger amounts of money.
You can use your own money starting with $1,000. That is the safest way of investing in the Junk Bond Market. Or get investors such as I did with my 7 Bank consortium. But keep in mind, I have 40 year of experience in Junk or non-investment grade bonds. So I have a history of making money in these investments and I can prove it. As you obtain more confidence, you can become more confident and get larger loans and make larger amounts of money.
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This is the End of this "No Money Down" Investment Strategy Series to make money. You have enough information to"
1. Look for bonds
2. Buy bonds
3. Research how to figure out spreads between bank interest and Bond Interest
4. How to clean up your Credit.
5. How to build a good credit report
6 Most importantly, how to make money with "no money down" in non-investment bond investing.
1. Look for bonds
2. Buy bonds
3. Research how to figure out spreads between bank interest and Bond Interest
4. How to clean up your Credit.
5. How to build a good credit report
6 Most importantly, how to make money with "no money down" in non-investment bond investing.
Just remember, people who wants to do the work that I talk about here, get the financial reward. People who do nothing but talk about the people who do work to get the money, get nothing. All you have to do is make your plan then work your plan!
Here is something that Brokers and the Media will not tell you!
One final thing. If you go to a broker and ask about this plan, I am willing to bet that they will tell you that is to risky and you will not make any money.
Why will they tell you that? Because you can buy a large amount of bonds and pay less than $10.00 commission. You my wait until maturity and pay no commission. Now if you are making a living off of commissions buying and selling securities and you never sell, how can you make a living?
I am making a living buying an average of 30 bonds per year, making 3 purchases a year. That is about $30.00 to my broker. Tell me, how can they send their children to collage on what they are making from me?
Their idea is to have you buy mutual funds where they get money from you every month plus commissions when you change funds or they change securities in the fund. This is how your pension fund makes money off of you. Brokers may have you buy options which is no more than gambling, switching you in and out of them every few weeks, getting commissions. That is why they can send their children to college and buy a very large home!
In the end, the people who do are better off than the people who do not do. Now tell me, whose situation is better off!
Here is something that Brokers and the Media will not tell you!
One final thing. If you go to a broker and ask about this plan, I am willing to bet that they will tell you that is to risky and you will not make any money.
Why will they tell you that? Because you can buy a large amount of bonds and pay less than $10.00 commission. You my wait until maturity and pay no commission. Now if you are making a living off of commissions buying and selling securities and you never sell, how can you make a living?
I am making a living buying an average of 30 bonds per year, making 3 purchases a year. That is about $30.00 to my broker. Tell me, how can they send their children to collage on what they are making from me?
Their idea is to have you buy mutual funds where they get money from you every month plus commissions when you change funds or they change securities in the fund. This is how your pension fund makes money off of you. Brokers may have you buy options which is no more than gambling, switching you in and out of them every few weeks, getting commissions. That is why they can send their children to college and buy a very large home!
In the end, the people who do are better off than the people who do not do. Now tell me, whose situation is better off!
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