Heartland Investment Partners - October 2021

Heartland Investment Partners - October 2021

& STRIPES

HEARTLAND INVESTMEN T COMPANIES STARS

OCTOBER 2021

AN.COM

DARINGARM 319-350-5378

Overcome 3 Common Fears Investors Have THE SP SIDE OF INVESTING

Halloween is pretty much the only time of year folks like to be afraid. We roll up to haunted houses, seek out freaky movies, and jump-scare each other at every turn. It’s all part of the fun! But the rest of the time, no one wants to feel a shiver down their spine. Fear is a bad thing — in life and in investing.

newsletters for the next 6–18 months (although you can do that if you’d like!). Here are two steps you can take right now to kick this fear and feel secure investing with me. Step 1: Talk to my existing partners. If you reach out to me today, I’ll put you in touch with four or five people I’m working with right now who have known me for years. They’ll answer all of your questions and give you an inside look at what it’s like to do business with me. Step 2: Visit your could-be property. I promise that if you fly out to the heartland and touch the bricks, walk the parking lot, and view the units at your apartment complex, you’ll want to get started right away. There’s no funny business here, and my doors are always open. These steps are faster than the slow “get-to-know- you” route of reading newsletters, and the sooner you invest, the sooner you’ll see returns. FEAR NO. 2: ‘I’M AFRAID OF BEING A LANDLORD AND DEALING WITH ALL OF THAT HASSLE.’ We’ve all heard a horror story from Uncle Bill or Aunt Sally about the bad real estate experience they had. Maybe their tenants never paid them

and then they trashed the place! A story like that can put you off being a landlord for life, but the fact is those experiences are few and far between. People are a lot more likely to share their drama than talk about an investment property that’s going well. That said, if you’re worried about being a landlord, we have your back. We can either provide you with all of the training you need to be a fantastic landlord, or take care of the whole process so you never even have to think about property management. Just let us know which option feels best for you. FEAR NO. 3: ‘I’M AFRAID OF INVESTING IN REAL ESTATE BECAUSE I DON’T KNOW ENOUGH ABOUT IT.’ If you don’t know much about real estate in the heartland or even across the street, don’t worry — that’s where my 33 years of experience come in! I’m here to make sure your investments are smart, profitable, and safe. Do you have a fear I didn’t mention? I have an answer. Call or email me today to bust that ghost. –Darin Garman

Of course, investors still have worries. That’s only human! I was plenty nervous when I got started in this business. Today, I hear the same three fears from almost everybody considering investing. So, in honor of Halloween, I’m putting them to bed! If one of these three things is preventing you from investing with me, consider that ghost busted. “If one of these three things is preventing you from investing with me, consider that ghost busted.” FEAR NO. 1: ‘I’M AFRAID OF INVESTING WITH SOME GUY I DON’T KNOW.’ If you’re new around here, this is probably the biggest fear you’ve got. Fortunately, you can get to know me in ways that are more productive than sitting back and reading my emails and

319-350-5378 1

Published by Newsletter Pro • www.NewsletterPro.com

w Is

So, Wait — Ho Cryptocurren

cy Taxed?

LANATION

A QUICK EXP

realized. Realized gains are those that have been actualized when an existing position is sold for more than it was purchased. So, if the asset happens to depreciate in value and it is traded, sold, or used at a loss, you may be able to subtract the loss from other capital gains to reduce your taxes.

Many people enjoy using Bitcoin and other cryptocurrency for the financial freedom that it offers — especially because there are very few fees, if any, involved. Utilizing banks and regular stocks can come along with some large fees. However, this currency still does ultimately get taxed. Here’s how! HOW IT’S TAXED The buzz about cryptocurrency is that it is not backed by any government affiliation and is subject to little or no regulation. However, this is false. When a crypto exchange occurs, both gains and losses must be reported to the Internal Revenue Service. Thus, this is taxed just like traditional stocks and personal assets. When it comes to federal income taxes, cryptocurrency is thought of as “property” and is therefore treated as a capital asset. This means that it is subject to capital gains taxes just as stocks and bonds are. If the asset appreciates in value and you trade, sell, or use it for profit, then it will be taxed just like capital gains. However, you only owe tax when those gains are

CALCULATING TAXES ON CRYPTOCURRENCY GAINS AND LOSSES

To determine your taxes on cryptocurrency, compare your net proceeds to your cost basis. You also must take into consideration the length of time that you owned the asset. This information is crucial for figuring out the type of capital gain or loss you recognize. Some gains or losses are determined to be “short term,” typically a year or less, and others are “long term,” more than a year. It is important to note that you can offset your capital gains with capital losses. Tracking your crypto gains and losses is crucial for staying on top of everything when tax season rolls around. As always, you can turn to your trusted financial advisor for professional assistance and advice.

THE 2021 CRASH INVESTMENT DIET

And they add: “ I have been meaning to change my approach to investing for a couple years now and I am FINALLY going to do it. So, how do I get started?”

Over the last few months in this newsletter, I have been talking on and off about where you are with your 2021 goals — mainly investment goals — however, as part of this process, many also are working on their body goals, especially their weight.

Like crash diets, when you keep trying the same thing over and over again and get the same (or sometimes worse) results, that should be telling you, LIKE MY INVESTMENT CLIENTS AND PARTNERS, it’s time for a change. Over the last year, for example, we have worked hard with amazing changes with our investors and have had some terrific financial breakthroughs, and MANY of these investors are VERY HAPPY about how 2021 is going for them. Because they FINALLY changed their approach and found the great benefits of doing that.

With most people I have been talking to, their answer to finally dropping that 10–20 pounds they KNOW they should lose is the … crash diet .

Yep, after months of eating wings, drinking beer, and super-sizing their orders here and there, they have decided they are FINALLY going to do something about it. And many people choose the CRASH DIET. The crash diet is a swift and body- jolting change in one’s daily food intake. It probably will not come as a surprise that these crash diets fail more often than they succeed, with the person making some progress early on and then slowly falling back into the old eating routine.

So, what about you? Still on that crash diet?

One thing I know will take you off that crash diet are investments I am working on for 2021. I have already received a lot of interest (from those investors who requested information) on the current 2021 Flagship Fund for September, and like the other fantastic “DIET ALTERNATIVES” I have, they will go very fast. But if you are still doing CRASH INVESTMENT DIETS, then you would never know about it and continue down the road of frustration and disappointment. It easy to get off that crash diet. Simply contact me at 319-350-5378 or [email protected] and we can talk about the opportunities I have coming up that will give you feelings of joy and triumph, not only for your “regular” monies but for your IRA monies, too! Isn’t that what investments are supposed to do?

The statistics say something like 90%-plus or more people who hit the crash diet wagon will go back to their old ways after a few weeks.

The interesting thing here, too, is many people try this MULTIPLE TIMES over a period of months and years only to find that after all of the mental and physical energy they have spent, they are right back to where they started.

When it comes to investing and dieting , the MAGIC NUMBER for me is one year. One year? What do I mean?

One of the most frequent things I hear from investors is this: “Darin, I have been with you and getting your stuff now for ABOUT ONE YEAR, and I am NOW ready to get involved in one of your investments.”

Providing profitable “DIET alternatives” — even in 2021!

2 DARINGARMAN.COM

Published by Newsletter Pro • www.NewsletterPro.com

I WA LIFE

SUDOKU

STAY AT ED B&B?

WOULD YOU THIS HAUNT

owa’s Spooky

The Story of I Mason House

Inn

Here’s a fun Halloween fact for you: The headquarters of Heartland Investment Partners is less than two hours away from one of the most haunted places in the country. The spot is called the Mason House Inn & Caboose Cottage, and it’s a functional bed and breakfast despite (or maybe because of) the more than 300 ghosts who have been heard or spotted on site. The Mason House Inn was built all the way back in 1846 as a hotel for folks traveling by steamboat. It’s been flooded six times and served as a Civil War holding hospital, a station on the Underground Railroad, and a tuberculosis sanitarium. In other words, it’s no wonder it’s full of ghosts! Chuck and Joy Hanson bought the property in 2001, and according to The Gazette, they now know 50 of its ghosts by name, including previous owners of the house, Civil War soldiers, and tuberculosis patients who died there. “The spirits, or ghosts, who are here, have been here a long time. They are here because they are happy here. They don’t want to scare anybody or hurt anybody,” Joy Hansen wrote in her journal, which is available on the inn’s website. One of the many spirits Joy wrote about was The Ghost Dog. The dog’s owner was shot and killed in the Mason House parlor in 1883, and the pup got revenge by attacking and killing her murderer on the inn’s front steps. Afterward, the dog died of a broken heart. Legend has it he is waiting for his mistress outside the parlor window. Despite Joy’s warm and fuzzy view of the inn’s ghosts, they have been known to pull hair, drain batteries, and set off alarm clocks at all hours. Guests have also heard footsteps, seen a white Victorian dress floating down the stairs, and caught snatches of children’s laughter when no kids were in the house. The hauntings are so famous that the inn has hosted Ghost Hunt classes since 2005.

SALES AND SUCCES S

APARTMENT

8 UNITS FOR SALE! BRICK CONSTRUCTION — ALL 2 BEDROOM — GARAGES — ALL UTILITIES SEPARATE! ONLY $519,000

4 UNITS FOR SALE! GARAGES — POSSIBLE 5TH UNIT —(2) 3-BEDROOM UNITS — (2) 2-BEDROOM UNITS — PLUS NON- CONFORMING STUDIO UNIT!

41 UNITS — SOLD!

“We require no alcohol, no Ouija boards, and no ‘ghost boxes.’ The spirits have requested this,” the inn’s website reads.

CONTACT DARIN TODAY AT 319-350-5378 FOR MORE INFORMATION ON THESE LISTINGS!

Would you stay at The Mason House Inn? To learn more and book a trip if you’re brave enough, visit MasonHouseInn.com.

319-350-5378 3

Published by Newsletter Pro • www.NewsletterPro.com

HEARTLAND INVESTMENT COMPANIES

PRST STD US POSTAGE PAID BOISE, ID PERMIT 411

Darin Garman: Heartland’s Most Trusted Multi-Family Investment Advisor 2505 Silver Oak Trail Marion, IA 52302 DarinGarman.com 319-350-5378

INSIDE

Page 1 The Spooooky Side of Investing

Page 2 How Is Cryptocurrency Taxed?

The 2021 Crash Investment Diet

Page 3 Would You Stay at This Haunted B&B?

Apartment Sales and Success

Page 4 Why You Need Introverts on Your Sales Team

INTROVERT

WER OF THE

THE SALES PO

2. Ask Questions: A long spiel about a product or service is overwhelming, especially when the person providing it feels like a total stranger. Before launching into a pitch, an introverted salesperson knows to ask questions, begging the prospect to lead the conversation and push the salesperson into the appropriate action for a sale. 3. Keep It Relational: People remember stories. They want to hear stories of success and failures, often applying the lessons from those stories to their own lives. Introverts can captivate an audience — maybe that’s why so many introverts are also authors — and salespeople have to strike that balance between sharing stories and listening. For more guidance on how introverts can maximize a sales team, pick up Matthew Pollard’s book, “The Introvert’s Edge.”

The reason, as Entrepreneur.com reports, is actually fairly simple. Being effective at sales does not require a profound skill for speaking or storytelling. Instead, salespeople need to be great listeners . This attention to detail and attentiveness to their subject is often found in introverts. Now, that doesn’t make extroverts bad at sales. Instead, you can harness the power of the introvert and spread the wealth among your sales team by doing the following: 1. Establish Trust: Introverts have a powerful ability to connect one-on-one with whoever they are speaking to. They thrive on personal conversations, wherein they can build a rapport with one or two other people rather than a group. This trait is necessary for salespeople to acquire, as it makes prospects feel safe and heard.

When we think of careers suited for extroverts, sales often springs to mind. After all, nothing could be more exhausting to an introvert than having to talk to dozens of people every day and maintain a positive demeanor to seal every deal.

However, a surprising study by the Harvard Business Review (HBR) disputes this belief.

The HBR reports that being an extrovert had no impact on a salesperson’s ability to sell; in fact, some of the negative qualities of being an extrovert, such as bravado and overt friendliness, are more likely to alienate customers. On the flip side, humility and modesty were two traits possessed by those who were 90% better than other sales people in their company. Interestingly, these traits often accompany an introverted personality.

4 DARINGARMAN.COM

Published by Newsletter Pro • www.NewsletterPro.com