The SEP part stands for Simplified Employee Pension (IRA, of course, is Individual Retirement Account.) Simplified is always good, right? Well, it is fairly simplified, anyway; there are a few limits and restrictions to be aware of but generally it’s a straightforward idea. A simplified employee pension (SEP) IRA is a retirement savings plan established by employers, including self-employed people and sole proprietors, for the benefit of themselves and any eligible employees.  In fact, an SEP IRA may be particularly applicable for small-business owners and other self-employed individuals.
Alternative investments are non-traditional investments – that includes anything that is not stocks, bonds, or cash – or even the use of non-traditional investment strategies. They include such investment vehicles as: precious metals, collectibles, hedge funds, natural resources, private debt (including mortgages), private equity, real estate, and infrastructure.
As businesses across the country, start to re-open their office space, business owners are working overtime to see what precautions they need to put in place to ensure that employees and visitors are as safe as possible. The first point of reference for health and safety protocols will likely be the Center for Disease Control and Prevention (CDC). CDC’s guide is lengthy and detailed; it contains guidelines and recommendations only, but it is hoped that employers will be sufficiently concerned for the welfare of their staff to incorporate these protocols to the best of their ability.
Will This Trend Continue and How Will Cities Adapt and Regenerate in the Aftermath?
Many of the world’s largest cities suffer from the same complaint — their housing market is out of reach for most of their residents. While Hong Kong vies for the honor of the world’s most expensive city, many cities in North America have similar issues with a lack of affordable housing. San Francisco, Los Angeles, New York, plus Vancouver and Toronto in Canada, all have hyper-inflated house prices, and rents that leave residents that either choose or need to live there, often spending more than half of their income on housing while many low- to middle-income families have about as much chance of flying to the moon as they have of ever getting a foot on the housing ladder.
Seldom do we experience a specific event that creates a paradigm shift in our view of the investment world. The coronavirus pandemic will undoubtedly go down in history as the second such experience in the last 13 years. This is due to its wide-reaching effects upon individuals, the global supply chain and the entire economic scene. However, at some point the curve will flatten, new cases will become fewer and a vaccine will be created. At this point, the light at the end of the tunnel will become visible. But what does this mean for the real estate sector for the remainder of 2020 – and beyond?