And most people working on creating wealth, rather than protecting wealth, need to outperform the average.

It has simply outperformed everything else and has been my focus for 18 years. 

The real question is if you can take the $41k and put it into an asset that outperforms the market AND pays back the additional fees.

I agree 100% and think this is one of the parts BP misses is that leveraged gains from appreciation are huge and will typically way out perform the cashflow.

Your balances will come down quicker and considering the interest is calculated daily based on the balance (reduced balance) you will be saving money each and every month on the interest costs.These HELOC will out perform any fixed rate product if used correctly and they will always have funds available to draw from when you need it compared to a fixed rate loan.In my opinion, if they are used correctly, this HELOC far out performs any fixed rate loan and all other HELOCs.

Just as there are many events in the annals of history where gold outperformed real estate, there are many more where real estate has outperformed gold, and on average the national real estate investment market has outperformed gold historically.Also, one thing a lot of people don't pay attention to: when gold appreciates, it's strongly tied to a devaluation of paper currency.

Yes - I can see how they could out perform someone asleep at the wheel... but I’m not that person.

I think it's smart to develope a Modern Business Model, that leverages technology and be the agent that out performs!  

Even though it is a negative cash flow - if you look at the appreciation value which is conservatively estimated at 4% - actual appreciation value for a studio in Ptown is 11% over last 10 years - so there is a positive return on year 5 and year 10 our outperforming stock market when I sell the unit in year 5 or year 10.

The retirement plan work is tax law, not real estate law, so you would want a separate attorney for closings.Safeguard Advisors or any of our handful of national provider competitors will outperform a local attorney in many, many ways both in terms of quality and cost.