Accredited Investors

Fines for Organizations who Spam Canadians

Amid that period there have been various fines for organizations who spam Canadians. Amid that period there have been various fines for organizations who spam Canadians and endeavors (Administrative Monetary Penalties or AMPs) and every one uncovered how CRTC plans to uphold CASL. The law was composed to decrease the measure of undesirable email for Canadian purchasers. We now require assent from a person before we can email them – or at any rate in B2B circumstances, a darn justifiable reason explanation behind sending pertinent messages.

Financial Lead

We’re talking about the keyword “Financial Lead”

Hi, everybody. My name is John Fischer. Welcome to SalesLeads.tv. I want to talk about the key word, “financial lead” or “leads.” What’s a financial lead? Again, a very, very vague word but to me a financial lead is someone that has money, someone’s that’s looking to invest in any kind of an investment. They don’t necessarily have to be accredited, but the majority of everything I have and sell happens to be accredited with the exception of numismatic coin buyers and bullion buyers through IRA. That’s it. That’s all I sell. I don’t get involved with nothing else, and the bottom line is our stuff works very, very well.

Problem with financial leads, and if it’s specifically a financial planner asking for ’em, they want a very, very small geographical territory, and I just have no depth, nothing. You know, so if you’re not going to give me at least five area codes, and maybe I’ll be able to hit that $1,000 minimum, which is a $1 a lead, that’s a 1,000 leads. I don’t even know if I’m going to have enough to go two or three orders. It depends on how big that city is and how many area codes you give me, but they do work. And you know, think about it. You’re getting something that no one else in your industry is getting.

You’re getting a guy who’s been surveyed by a broker, a guy who’s been asked, “Do you make at least $200,000 a year for the last two years, a million net worth not including your home? Have you got $25,000 to $50,000?” They say, “Yes, yes.” So they work very, very well if you’re a financial planner, if you’re doing any kind of financial advising and so on. So again, the more money – the better. And I think that in any kind of a financial business, you should stick to nothing but accredited investors. If you have any additional questions, you can give me a call.

We scrub against…the litigators list cost me $5,100 a year. None of my competitors do that. We have a SAN number, we’re a lead service provider. We can scrub for you. If you don’t have a SAN number, we can get it. You want to sign an indemnity and say, “Hey. That’s my responsibility, not yours,” we can do that also. But the bottom line is we’ve been around for 26 years, A+ rating, no complaints. And if you’re looking for financial leads, we have them. Thank you for your time. My name is John Fischer. If you have any questions, feel free to call me. There’s no switchboard, there’s no operator. Come straight to my iPhone, 561-981-8777. Have yourself a beautiful day.

Get The Momentum You Need in Sales

Qualified investor leads do not come cheaply; nor should they. However, they will put you in touch with people who are serious and committed investors. And this is something that cannot be said about non-qualified investor leads. The fact of the matter is that the world of high finance is not an easy one to navigate. Your job, as a finance professional, is to make the kinds of investments that will get your clients the results they want. Before you’re even able to do that, however, you have to make contact with the right kind of clients—or prospective clients. In other words, you have to obtain an investor lead list that will actually result in new business.

If you have been laboring with generic leads and not seen any improvement in your conversion rates, then you should probably try something different—a bolder, fresher, more effective approach. Using qualified investor leads will provide you with a tremendous advantage of your rivals. There is a practice among some in the investment community to recycle the same old leads that have come from groups of sharpers who are well practiced in promising the world but never delivering. No amount of good talking and apocryphal stories of success can actually produce results. The only way to get the latter is for you to be put in touch with investors for whom you can obtain detailed information. You must know your client if you are to have any chance of selling to them. Qualified investor leads give you the data you need about their operations, preferences, and interests.

You may have recently decided that it is time for you to leave the lower rungs of investment management and brokerage. You may have decided that it is time for you to show something for all of the years you’ve spent in training in and practicing your professions. If you have decided to step onto a new level of selecting and targeting prospective investors, then changing the kinds of leads you use is the place to start.

In order to inspire confidence in prospective clients you must demonstrate your own confidence—in yourself and in your product. These things tend to come together when know that the person on the other end of the phone call or computer screen is a fresh, new contact that is genuinely interested in investing their money and working with someone to do it. Working in this kind of environment can be refreshing. It can relieve you of a great deal of stress and strain. You can speak and communicate more naturally and effectively because you will be in a genuine dialogue with someone rather than in the position of pressuring them.

There are many things you can do to make your job as a professional more pleasant and rewarding. Few of them are more essential than gaining the means to better understand your prospective clients. Making contact with qualified investor leads will provide you with a clear path to the latter.

Accredited Investors.net Intro

Hi everybody. My name is John Fischer. Welcome to acreditedinvestors.net. You may recognize me. I own Salesleads.tv. You’ve probably seen my website. I have a lot of other web sites as well. So don’t be surprised if you use the keyword: accredited investor and I pop in a lot of places.

Let’s talk about what we do. We’ve been doing this for 25 years by the way – A+ rating with the BBB – no complaints – 25 years. And there’s a reason for it. We take care of any problems that we have: disconnects, wrong numbers. If there’s a problem we fix it. It’s pretty easy to do. The reason we do so well, the reason we’re so successful is our model is different than most other lead brokers. Although we have the Village Bike – that $.50 lead that everybody and their mother has. And the only reason we keep them is because some people have big dialers. Some people have young people, new brokers. They don’t want to waste money on the new brokers and they kind of let them sharpen their teeth on that stuff. I mean I’m not saying they don’t produce but you’ve got to make 100 phone calls to get one guy that you have a decent conversation with. It’s a waste of time. The Village Bike – the $.50 lead – we don’t like it.

Now what we specialize in is the PP Crema. The PP Crema is $2.00 apiece. The PP stands for Private Placement. The Crema is the cream of the crop. And we’ve got the PP Crema, the Gold, the PP Crema Real for real estate, the Platinum, Titanium, Cush. We give them different names. So each follows a different database that we bought from a broker dealer. And what we do is we actually give them their code names: PP, Crema, whatever it is.

I’ve got about 65,000 of them. I just picked up 2,000 last December – very strong leads – maybe 75,000 altogether. For $5.00 apiece the absolute best lead in the country but it’s a double-edged sword. The Big Dogs – They’re sophisticated. You can’t put them in the dialer. You can’t give them to an unsophisticated broker or some guy who doesn’t know what he’s doing. They’ll eat him up for dinner. But if you’re looking for that guy that could go $250,000.00 per unit they’re coming from a Master Private Placement where they could only accept $250,000.00 and a $5,000,000 net worth.

That’s the rule for hedge funds and Master Private Placements. I picked up 2,000 of them in the last 120 days and that’s a super, super lead – the best in the country. And again I’m the only guy that has them. There’s a woman out in California who says she has them. It’s some kind of a gambling list – crap. A guy in Florida; he’s got the Big Dogs. He’s just using the Big Dog name but it’s all crap. We – Salesleads.tv and accreditedinvestors.net – We’re the only ones that have the Big Dogs.

If you have any questions give me a call: 561-239-0364. My name is John Fischer. Have a beautiful day and God bless

Property Investors

Real Estate Investing

According to Entrepreneur contributor Mark J. Kohler, real estate offers several benefits that can help investors earn sizable returns while keeping their taxes down. Property investors often find that they can gain more leverage, real estate offers tax-free cash flow, and you may be able to write off some expenses against other forms of income to keep tax burdens low.

This shows that investors should take a serious look at residential and commercial real estate opportunities. But to make the most out of these opportunities, property investors should learn details about the industry.

Finding Investors for Residential and Commercial Property

Purchasing a large area of land can cost a lot of money. High prices can make it difficult for investors to commit to opportunities that will likely yield significant returns.

Instead of letting an investment opportunity slip by, it’s possible to recruit other investors to bring the price per person more affordable. There are several effective strategies that could help you find land investors for residential and commercial projects.

Real Estate Investor Clubs

Many investors start by contacting real estate investors clubs. Most major cities have investment clubs that can help people connect with each other. You can also visit club websites to meet other people interested in real estate investments. The San Francisco Gate mentions REI Club, National REIA, and Bigger Pockets are good resources. The more involved you get with the forums on each website, the more connections you can make with local and national investors.

Real estate investment clubs also host meetings in real life. It’s pertinent to attend these meetings. Stay late so you can rub shoulders with some of your area’s most influential property investors. Even if they don’t want to contribute money, they might be able to point you towards someone who is interested.

Real Estate Agents

Real estate agents in your area are probably familiar with property investors. Some of the investors, in fact, work as real estate agents so they can get the best deals on properties that have just gone on the market.

If you know someone who works as a real estate agent, pick his or her brain for contacts who might want to invest property that interests you. An experienced real estate agent will know what types of properties investors focus on. They may also know what kind of experiences people have working with these investors. If an investor sounds hard to work with, you may want to pursue other options.

Lead Generation

If you’re serious about property investment, you’ll eventually want to learn about lead generation. This includes a variety of strategies that will give you the contact information of people interested in real estate investments.

You can generate leads by posting an ad in your local newspaper, Craigslist, and other popular forums. You may also want to build a website that offers an overview of your investment options and encourages qualified investors to introduce themselves. If you’re ready to commit a little more time, set up conferences and meetings with investment groups in your region. You can then collect the contact information of people who show some interest in your ideas.

Effective lead generation sources need time to develop and start producing results. If you don’t have the time to invest into a lead generation strategy, purchasing a list of investors can save a lot of time and effort. A smart move would be to create a few lead generation tools and then purchase a list of real estate investor leads to use while your tools start gaining traction.

Investing in Developed and Undeveloped Land

Investing in undeveloped land often leads to higher returns. However, land investors should realize that undeveloped or “raw” land presents more risks. Those who purchase undeveloped land rarely see quick returns on their investments. It may take years for development plans to earn municipal approval. Construction costs can also make developing the land very expensive.

Undeveloped land is only a good option for property investors who can afford to keep their money tied up for several years. Since it’s also possible that land use will change during this time, investors may find that their property becomes less desirable by the time they can build on it and sell it to homebuyers or businesses.

Most developed land requires a larger up-front investment, but investors can start collecting returns almost immediately, especially if they choose property in booming areas. Those with significant capital who want a quick return on their investments should consider developed land.

Interest in Farmland Investment is Up

Farmland investors have had a good decade. According to data from the National Council of Real Estate Investment Fiduciaries, farmland investments have consistently offered higher returns than stock market investments. During 2005 Q4, investors saw a 22.78% return. That’s an exceptional rate that even some of the world’s top hedge funds cannot match.

Residential and Commercial Property Investments

Several factors can affect whether property investors want to devote money to residential or commercial property investments. One isn’t necessarily better than the other. But one option will likely meet the needs of certain investors while the other appeals to a different kind of investor.

According to David V. Tran, a CEO at eFunding, most people get started in residential property investments. Residential property usually costs less than commercial property. This makes it easier for people to invest in property even if they don’t have a lot of money set aside. As their money grows, though, they’re likely to shift towards commercial properties.

Commercial real estate usually requires a bigger investment, but the payoffs are often larger.

Commercial real estate really comes out ahead when investors choose to rent property instead of selling it. Tenants who rent commercial properties are less likely to move after a year or two. They’re often willing to sign multi-year leases that offer a steady return on investment. It’s also easier to manage several business tenants operating in the same building than it is to manage several residential tenants living in different buildings.

If investors have enough capital, commercial property usually offers a better return with less work.

Property investors have several unique options when choosing opportunities that could help them earn large returns. If you want to investment in a certain type of property, focus on recruiting investors who are most likely to find the opportunity interesting and affordable. Otherwise, it’s possible to waste a lot of time talking to the wrong people.

What Is An Accredited Investor?

At the most basic level, accredited investors are people and institutions that meet qualifications to invest in venture capital, private placements, hedge funds and private equity. By purchasing securities from a business, they give that business a better opportunity to expand its reach, develop new technology, and invest in other forms of growth. Ideally, accredited investors receive a portion of the company’s profits in return for purchasing securities.

Accredited investors, however, must meet at least one of several qualifications established by the Security Exchange Commission (SEC). The average person will not meet these qualifications. Individuals, families, and institutions that have significant assets are more likely to meet accreditation qualifications.

Qualifications for Accredited Investors

Companies that aren’t sure how to define accredited investor status should turn to Rule 501 of Regulation D. There are also some amendments in the Dodd-Frank Wall Street Reform and Consumer Protection Act that adjust the definition of what is an accredited investor. While the details can get somewhat complicated, most accredited investors fall into one of eight categories.

Some of the most popular types of accredited investors include:

  • Financial companies, such as banks, registered investment companies, small business investment companies, business development companies, and even insurance companies.
  • Employee benefit plans. There are a couple caveats to this type of accredited investor, though. Either the employee benefit plan must have over $5 million in assets, or it must be managed by a registered investment adviser, insurance company, or banking institution.
  • Corporations, partnerships, and charitable organizations that have over $5 million in assets.
  • Manage personnel of the company selling the securities, including the company’s director, executive officer, and general partners.
  • Any business exclusively owned by accredited investors.
  • A person with a net worth of $1 million or more. This can also include spouses with a combined net worth over $1 million or anyone with managed assets worth $1 million or more. Only natural persons can qualify. That means no organizations, including corporations, can qualify as this type of accredited investor.
  • A person who has earned at least $200,000 of income for the last two consecutive years. Spouses must earn a combined income of $300,000 or more. Organizations cannot qualify as this type of accredited investor.
  • A trust that includes assets of at least $5 million. The trust cannot be formed specifically to purchase securities from the company. It must exist independently.

These qualifications can seem a bit confusing to some. The simplest way to answer what is accredited investor qualifications is to state the minimum requirements. Individuals must either have $1 million or earn $200,000 per year. Organizations and trusts typically need to have at least $5 million in assets.

If someone doesn’t fit those requirements, it’s unlikely that they can qualify as accredited investors.

How Companies Can Benefit From Accredited Investors

Companies are required to verify that their accredited investors meet SEC qualifications. Companies that fail to verify accredit investor status can face serious penalties that may include jail time, fines, and losing licenses.

Considering the hassle of verification and the penalties for not following the rules, many companies might wonder whether they even need accredited investors, especially since Rule 506 of Regulation D lets companies recruit up to 35 non-accredited investors.

That might seem like a smart idea at first, but there are several reasons successful companies usually focus on accredited investors.

The primary reason is that companies have to disclose large amounts of information to non-accredited investors. In an attempt to protect inexperienced investors who might get duped by unscrupulous companies, the SEC requires companies to give non-accredited investors discloser documents that inform them of how securities work and the risks they face by purchasing them. Providing and explaining these documents to inexperienced investors can take more time than verifying an accredited investor. By only choosing accredited investors, businesses have to disclose far less information. That helps businesses save time.

Accredited investors are also likely to spend larger amounts of money. At the very least, an accredited investor has $1 million in assets. That gives companies an opportunity to sell large securities to the investor. By accessing that money, companies can accumulate the funds they need to expand their services, products, and stores.

Non-accredited investors, by definition, do not have $1 million. That means they can’t invest as much money. A business could simply sell more securities to a larger number of non-accredited investors, but this is a hassle that few owners or managers want to undertake. When it comes to increasing the business’s capital as quickly as possible, accredited investors offer advantages that non-accredited investors simply cannot.

Accredited Investors Have More Flexibility Than Non-Accredited Investors

From a financial perspective, accredited investors can offer more benefits to the companies they invest in. Since these individuals, families, and organizations have access to significant wealth, they may choose to purchase more securities from companies they believe will grow and produce healthy profits.

Accredited investors also have the opportunity to invest in securities that have not been officially registered with the SEC. As long as a company only sells securities to accredited investors, it does not need to disclose as much information to them. According to the SEC, accredited investors are presumably savvy enough to understand the risks of investing in companies, private funds, hedge funds, and similar opportunities. This lets accredited investors and the companies they invest in act more quickly.

Companies that meet certain specifics under Regulation D can also advertise directly to accredited investors without providing extensive disclosure forms. This helps businesses attract more money that can make them successful while earning profits that increase the wealth of investors.

Creating a Criteria That Regulates Securities and Accredited Investors

The SEC created investor accreditation under authority of the Securities Act of 1933, which was passed by the U.S. Congress after a stock market crash led to the Great Depression. By creating the SEC to oversee securities regulations, Congress hoped to avoid future economic depressions. The strategy has been largely effective, although the country’s economy has experienced several recessions since 1933, often after periods of deregulation that weaken the SEC’s ability to control the industry.

Regulation D, which details requirements for organizations that sell securities, includes several rules that protect potential investors while encouraging the industry to follow responsible guidelines. When creating Regulation D, lawmakers considered how much money investors needed to have before they were considered experienced investors. While having $1 million doesn’t qualify every person as an experienced investor, it does indicate that the investor is likely to have this experience. The Supreme Court of the United States upheld the perspective that investors with $1 million or more are probably sophisticated enough to choose their own investment strategies. Investors with $1 million can also absorb losses more easily than investors who have less money. The regulations remained untouched for over 80 years.

Regulation D was revised in April 2012, when President Obama signed the Jumpstart Our Business Startups Act (JOBS) into law. The JOBS Act relaxes some regulatory requirements so companies have more opportunities to sell securities to accredited and non-accredited investors. Since Regulation D sets different requirements for selling securities to accredited and non-accredited investors, though, many businesses find that it is easier to focus on accredited investors who have more money and require fewer disclosures.

According to Forbes contributor Devin Thorpe, the SEC may alter regulations in the near future to make crowdfunding a more attractive option for businesses and small investors. These changes would likely let people qualify as accredited investors according to how much education and experience they have in finance and related subjects. This would let people without $1 million or $200,000 per year incomes qualify as accredited investors who can make sophisticated decisions without requiring businesses to give disclose excessive information. In other words, the changes would let people become accredited according to skill rather than wealth.

Accredited investors are a real boon to companies that sell securities. Current regulations make it relatively easy for businesses to find investors who have enough assets to make a lasting difference in their success. Without accredited investors, it’s unlikely that today’s small to medium businesses could find the capital they need to expand operations or introduce new products and services to the world without jeopardizing their own financial stability. Of course, buying securities from companies with successful strategies also gives people an opportunity to make more money from their investments. If you need a list of accredited investors to expand your business or fund your private investment offering, contact us and we would be happy to build you a collection of qualified prospects.

Accredited Investor Qualifications

Will the SEC Change the Accredited Investor Qualifications?

The SEC sets the accredited investor qualifications criteria and hasn’t made changes to the income qualification since 1982. In order for an investor to be considered accredited, they need to make $200,000 a year as an individual or $300,000 with their spouse. They need to have met the income standard for the past two years and be likely to do so again in the current year.

Inflation

When inflation is taken into account, a person making $200,000 a year in 1982 will need to make $495,000 a year in 2014 in order to have the same purchasing power. This uses a calculation of 2.88 percent inflation per year with a total inflation of 147.92 percent from 1982 to 2014. The average income growth rate in the United States has kept pace at 4.13 percent while currently only at 1.58 percent. Given these statistics, now would not be a good time for the SEC to raise the income criteria for an accredited investor. If the adjustments had been made during a period of economic growth, it may have made more sense. Currently, however, the average citizen is just recovering from a period of negative wage gains and seeing some stabilization.

If the SEC does move forward in raising the minimum income requirements

This is an important topic of discussion because if the SEC does move forward in raising the minimum income requirements, the number of accredited investors would significantly decrease which would further restrict access to capital. The U.S. economy has started showing signs of growth but with current global unrest and wage growth of only 1.58 percent nationally, consumer confidence is still low. This is already creating a situation where some investors are sitting on the fence. Eliminating others will only make the economy worst by making it more difficult for businesses to raise money for expansion which in turn creates new jobs.

What it means to be an “Accredited Investor”

The last time the SEC changed the definition of what it means to be an accredited investor was in 2011. In January of 2011, the SEC announced they were considering making changes to the net worth standards so that a primary residence could not be included in someone’s net worth. In December of that year, the new guidelines were finalized. It took almost a full year for the process to complete but once done, accredited investors could no longer use the positive equity in their home to help them qualify. This eliminated many investors that had been counting on home equity to increase their overall net worth. Home equity was also a standard addition when applying for loans and meeting various banking criteria. While fairly standard, the SEC felt it was a necessary measure after the housing market collapsed.

If the SEC follows through with changing the income criteria for an accredited investor, it may not be done until the middle of next year. This is following the timeline of how long it took for their last revision to be completed. Companies should be aware that this is on the horizon and create their private placement now so that money can be raised before the pool of potential investors shrinks. For a list of accredited investors visit www.SalesLeads.tv or www.AccreditedInvestors.net.