Year: 2021

General

Rehabbing a REO Property

Bank owned or REO properties represent ideal opportunities for international investors, as they are sold at heavily discounted prices and all outstanding liens are paid by the bank.

The benefits of REO properties are that bank will ensure that all liens are paid when they take title. This will ensure good title without added expenditure for the investor.

The strategy used by REO investors is simple. Firstly, they purchase the property at a substantial discount. Secondly, they fix up the property and then re-sell it at an affordable price to attract first time buyers. First time buyers in Detroit are able to take advantage of the tax credit and other government backed schemes to get first time buyers on to the property ladder.

Unfortunately, some investors get it this simple strategy wrong by overlooking the obvious. Investors that do not perform the correct due diligence or use a reputable investment agency can suffer the harsh consequences. For example, a foreign investor brought a REO property for $7,500, renovated the property by spending another $5,000 and placed it on the market for $20,000 for resale. But, after several weeks of unsuccessful marketing, the property was reduced to $15,000 and it still remained unsold. However, a quick drive through this neighbourhood pointed out that in just one street there were eleven boarded properties, three fire damaged property and numerous abandoned buildings. What this investor failed to appreciate was that when considering Detroit for property investment you capitalise the first three rules of property 1) LOCATION, 2) LOCATION, 3) LOCATION.

Location is the first and foremost factor especially when considering Detroit neighbourhoods and do not get blinded by the low prices for REO properties.

In contrast, there is a successful foreign investor who owns several properties in the various good neighbourhoods around Detroit. However, he used a different investment strategy – buy to hold to cashflow. This particular investor purchased good quality properties for around $25,000. Rather than selling it, he rented the properties at around $900 per month. This allowed the investor to successfully cashflow the properties and potentially resell it until the market spiralled upwards.

The best aspect with property is that if you buy the right property, in the right location at te right price, you are highly likely to make your property investment a glowing success.…

December 30, 2021 Miracle

General

Share Dealing Using High Yielding Dividends

There are many areas of the stock market that are often over looked and in some instances actually avoided by traders for numerous reasons, such as risk, high capital investment, or even the lack of experience or understanding. Nevertheless, there are some that when used properly can create highly successful share dealing strategies. One such area that stands out is the investment in high yielding dividend stocks. Many experienced investors will use this method as a way to build a passive income.

In this area of stock market trading it will be crucial that you take time to develop this strategy, and ensure you have completed adequate research and studied the data fully. It will be crucial that you study historical data, records and graphs for at least twelve months prior of the companies yield. From this data you should only be interested in the companies whose share prices were higher at the end of the twelve month period. The next phase you will begin to dwindle down the high dividend shares.

Generally when searching out high dividend paying stocks it is best to stay within a certain percentage to avoid higher risk factors. Share trading pros typically recommend from 4% to 9%, and this should be added onto the company’s capital appreciation. It has been said that any percentage of 10 or higher may lead to much more risk due to more volatility.

Within share dealing, high yielding dividends can help build your portfolio over some time, however, it is important to note that an investor should only place a small amount of their capital in this area. Like any derivative there is always a risk and high-yield dividends are no exception. It is important to realize that when you analysis the statistics and charts that many of these high yields were actually based upon annualized rates for past disbursements. If you decide that high yield dividend stocks are something you wish to begin with, make sure you use due diligence and know the risks involved.

In closing, there have been many reports and statistics released over the years which have stated that stock market trading using a high yield dividend shares has demonstrated that it is a solid strategy to partake in. It appears that even when the market is on down-slide or in a recessions, investors will still receive their dividend disbursement, although it may be a decreased rate due to the current market economy.…

December 25, 2021 Miracle

General

Ways of Saving For Children

Many parents have decided to save for their children. There are many reasons why they may want to help their children once they become adults.

Many want to assist their children through their education. More and more young adults are choosing to go to university, something that can be a major expense. It costs several thousands of pounds a year, so savings to assist with university fees can be a great help. Housing is something that is an increasing problem for young people, with a shortage of affordable housing a common occurrence. Therefore, helping to get their children on the housing ladder is an incentive for many parents to save for their children. If parents have saved for eighteen years, for example, then there could be a significant amount to assist their children to take their first step on the housing ladder. The age of eighteen is the time that many people learn to drive. So another thing that money saved on their behalf can assist with is driving lessons or buying a car.

There are many affective ways of saving for children. The most basic is making payments into a bank or building society account. Many banks and building societies offer special account for the purpose of savings for children. This is the safest option of saving but interest rates tend to be relatively low so this doesn’t have the potential of some of the other savings methods.

Investing in the stock market is an example of a savings method whereby there is more potential for greater growth, but there are also more pitfalls. Stocks can increase very significantly but they can also crash. Over the long term though, most stocks will increase. Over a period of five, ten, fifteen or more years the likelihood of an increase is greater, as there aren’t the same risks as short term investments, which can suffer from short term dips. Stocks are likely to grow more than money paid into a savings account but there is no guarantee.

Using the services of an investment trust is a sensible way to manage investments in the stock market. Here, parents can make payments on behalf of their children and it will be invested by the investment managers. They take a cut, but they are experts in their field so they can usually be trusted to make good decisions. This also means you don’t have to worry about it and can leave it to them. If you lack understanding of the stock market then this is safer than investing in your own choice of stocks and shares.

However you choose to invest on behalf of your children it is a good idea to compare the various investment products on the market, looking at the advantages and disadvantages of each.

Andrew Marshall (c)…

December 21, 2021 Miracle

General

Real Estate Investors and Their Mind Set

Many individuals somehow or by direct ways are finding ways to invest their hard earned money and savings in real estate. As there are many reasons for the investment purpose, the foremost reason for the investments made by the investors is that there is a ton of money which can be made from it and so it always attracts the investors.

Once you start your investment objectives in real estate there are few points in which you have to be aware of. The very first thing is that you must have a plan set on the issue what you must do after purchasing the property. There are many options available for this purpose. As many of the investor follow the similar strategy, the very first step is to sell-off the property within days (i.e.) immediately after the purchase of it.

Some investors of real estate restore their property with them and then sell them after many years in order to gain more capital. While some purchase and restore them to let out the property for rental purpose which is going to be continues income stream for the investor. To decide and have a plan for such investment it will be useful for the real estate investors to figure out how to finance it.

Apart from this, there are other important things on which the investors have to be aware of. The next most significant thing is you have to look out the properties which are selling at the lower the price or under the fair value as it will yield you a profit margin. By making use of various available resources you can locate the information on such.

To become a successful investor is not as complicated as most of the people think. It becomes complicated only to those persons who are untrained or don’t have knowledge in such. But once you start gaining knowledge in this field you will find it to be more simple and easy. If you find it difficult in arranging the money or you don’t find sufficient amount of time in the industry which you feel is needed, yet you are eligible to become an investor.

One of the best ways to become successful real estate investors is to learn from the other individuals about their plans, strategies, and ideas. It is a very simple concept to follow their tactics, but always keep in mind your own objectives and plans of investments made. Always remember that the objectives and tactics of one investor will vary from the other investor. Just keep learning the tricks of the other individuals on how to trade and invest in order to generate more profits. And always keep in other resources too which generates the information for the investments in real estate.…

December 18, 2021 Miracle

General

Top 5 Reasons Why Its a Great Time to Invest in South Florida Residential Real Estate

As the title suggests, now is an excellent time to invest in South Florida residential real estate. Here are 5 reasons why (in no particular order of significance):

1) According to the Florida Association of Realtors® statistics, in the last year, prices have dropped well over 20%… this means affordable home prices for both homeowners and investors. In South Florida, specifically the prices have dropped at an even higher rate. For many South Florida real estate investors, this is the first time that they can cashflow $300+ per month on rental properties as part of their long term buy & hold strategy. Many who were investing 5 years ago were actually spending money each month to hold their rentals and were speculating on rapid appreciation that did come to fruition but only for a short amount of time).

2) Speaking of long term buy & hold strategies, its a smart one because the U.S. Census Bureau estimates that Florida is one of three states that will account for nearly half of the total U.S. population growth between 2000-2030. The Bureau also estimated that by 2011, Florida would be the third most populated state in the country! Let’s face it — people are still moving to South Florida and will continue to year after year — both families as well as retirees. These people will need homes to rent and homes to purchase.

3) Foreclosures, particularly in South Florida are in abundance and there doesn’t seem to be a quick end in sight. According to public records, new foreclosure filings in Miami-Dade and Broward counties are on pace to exceed last year’s by substantial numbers. While this is indeed a crisis and an unfortunate series of events, from an investors perspective, there is an opportunity for rehabbers to purchase distressed homes at low prices, fix the homes up, and resell on the market at a competitive price for a quick sale to new homeowner. Foreclosures in

4) Interest rates are low, which translates into more buying power for homebuyers. Low interest rates in combination with government programs such as The American Recovery and Reinvestment Act that provides tax credits, help to increase the eligible homebuyer pool.

5) With the economy troubles, the perspective of most may be that there is a limit of available funds for real estate investing. While its true that available capital and funding has decreased from traditional institutions, the fact remains there is a substantial funding available via private investors – many of whom are retirement-age or near retirement and are seeking opportunities to avoid running out of money and diversify assets after getting a huge black-eye in the stock market. Rehabbers and landlords have an opportunity to find those private investors and begin to build wealth for themselves and provide a safer return on investment for the private lender.

I believe that these 5 reasons alone provide a compelling case for why those who have been considering South Florida real estate investing should get off of the sidelines. An investor with integrity and good intentions should see this current market as an opportunity to build wealth and also help many struggling homeowners who have faced foreclosure and are in need of affordable housing options while rebuilding credit.…

December 14, 2021 Miracle

General

Information on Investment Property Loans

People make investments in the hope of appreciation of the value of assets in getting a good return in the future. There are countless ways at which investments can be done and the most stable of these investments can be investing in properties or real estate investment. Big investors who have good money at their disposal always go for property investments. Property market may see some fluctuations in the short-term but a few years down the line almost all kinds of properties appreciated the value so this is considered to be very safe investments as compared to any other kind.

Buying property needs a lot of money and not everyone can afford to buy one or have their own property. However it always makes good sense to arrange for finances if there is a good deal and an investor knows that it will appreciate to the years. There are investment property loans available for such situations, when an investor can get a loan to buy property. This kind of alone can be taken for any kind of property, it could be a commercial industrial or residential one.

There are many sources from where such investment body loans can be borrowed the most common being banks, financial institutions and credit unions. Sometimes, it also helps the investors in making such kind of a good investment in big projects thereby taking a partnership or an interest in the project. As with every other kind of alone, there are many factors which work on deciding the terms and conditions of such loans. Some of these factors can be the credit history, the assets and the income of the borrower.

A lot of investors use such investment body loans to pick up good deal in the market which may be out of their budget but have a good profit-making potential. As the investors pay their loans on time, they build up good reputation and relations with the lenders so that they can cheaper loans on easy terms and conditions. This can be a good financial resource which can be used by investors to make capital gains.…

December 9, 2021 Miracle

General

What Property Investors Should Know

If you are not cautious enough with your investment decisions, it can be hard to succeed and become one of the successful property investors. It doesn’t really matter if you are a newbie or a professional because if you don’t work hard, you will not see the best results. Why don’t you subscribe to property magazines and visit real estate sites? These are essential tools that can help you in finding the best investment opportunities.

If you are not familiar with the basics of investment, you can count on the professionals to help you out. With their knowledge and expertise, you will learn the concepts of capital growth, rental growth, and other important info. Why don’t start investing on buy to lets? If you think that you can become a good landlord, this is a great option for you and you should be prepared to handle maintenance, repairs, etc. for 10 to 30 years! Tenants will occupy the property. You will not have any trouble with the mortgage payments every month since the rental income will already cover it; at the same time, the property will also increase in value or appreciate. In 10 -30 years, you can make a profit by selling the property but you can always hold on to it if you want to.

In the real estate, it’s not just about buy to lets. You see, there are still other properties that you can invest like commercial properties. The properties are going to be used to put up restaurants, shopping malls, offices, service stations, and many other establishments. You will be dealing with clients who want to own a successful business.

Flipping properties is also one of the favorites of property investors. Finding the right property at a relatively low price can be hard but if you do your homework, you’re sure to find them. After finding an ideal property, you can now sell it to make profit. Don’t be like the illegal flippers out there. You can make profits by flipping properties that right way.

The real estate industry will allow investors like to earn money for the short term as well as for the long term. Do you want to become a landlord? Or would you rather flip properties?

Make sure that possess sufficient knowledge about property investing. Many property investors were able to succeed and you can also do it. Earn enormous profits with the right investment opportunities.…

December 5, 2021 Miracle

General

Avoiding Trading Mistakes – These Common Mistakes Will Cost You

Forex, or Foreign Currency Trading can be an extremely profitable venture. Or it can be a complete bust. An astounding 95% of amateur traders fail in the Forex markets, many bankrupting their accounts.

So does that mean that you shouldn’t even consider Forex trading for yourself?

Like any venture, you need to evaluate the upside, as well as the pitfalls to avoid.

Here are 7 common mistakes to avoid when you are learning how to trade in the Forex markets.

Money Management:

This is THE #1 MISTAKE of amateur traders, and it can’t be emphasized enough. A good rule is never to put up more than 1-2% of your account on any one trade. That way, you’re not risking your trading capital, and you’ll have to lose 100 trades in a row to wipe out your account. Keep the Risk to Reward Ratio at 1.5 to 1.

Trading is a Business, Not a Hobby:

Too many traders don’t take trading seriously. They ‘dabble’ in the markets, or take the approach of ‘trying it out’. Treat it like a business, and it will reward you like one.

Invest in Your Education:

Trading is a skill set that you can certainly learn, but take the time and money investment into learning the right way. Too many bad habits can be picked up by learning ‘on the fly’ from cheap courses. Most professional traders have gotten there by learning from a mentor. Specifically, someone holding their hand through all sorts of market conditions. In the end, its an investment in yourself.

Beware of the Latest and Greatest Strategies:

While there are excellent strategies out there, it won’t do you any good unless you have the trading experience to apply it. Start with learning the basics.

Is Trading for You?:

Trading takes discipline. The discipline to learn and the discipline to stick to rules consistently. If you’re not a disciplined person, or you like to bend the rules, recognize early that trading may not be for you.

Keep Your Expectations Realistic:

While there is tremendous money to be made in the Forex, and you can accelerate your retirement, it won’t happen overnight. At least, not when you’re learning how to master trading skills. Think about building wealth slowly, let your account build and accrue. Most of all have patience, and don’t set yourself up for failure by unrealistic expectations.

Don’t Spread the Word About Trading:

At least not yet. To overcome and master the psychology of trading, you need a positive mindset. Unfortunately, well meaning friends and family who don’t know anything about trading will very willingly offer their advice. These thoughts can stay with you, and set you up to sabotage your trading. Best to keep trading to yourself for awhile, until your confidence is solid.…

December 1, 2021 Miracle

General

Investing in Precious Metals

Precious metals are rare metallic chemical elements of high economic value such as gold, silver, ruthenium, rhodium, osmium, iridium, palladium and platinum. Many people are turning to precious metals for investment, owing to their increasing demand, associated high value, lower risk factor and high levels of security. Precious metal investments can be made in a variety of ways such as investing in jewellery, tangible coins and bars, bullions, certificates, mutual funds, mining stocks, shares and gold and metal futures. Precious metal funds are more stable than stocks, and futures are a high-risk, high-value investment. The right type of precious investment varies from one to another, depending on the needs and focus of the person.

Precious metals are often the preferred investment vehicle over other investment types such as real estate, stocks etc. Rich investors, looking for investment opportunities, are now investing in precious metals as a means of storing their wealth.

Gold and silver prices go and up down too, and it will not be correct to say that investing in precious metals is without any risk. Risk is there in almost every investment, and investors have to make a calculated decision, based on the trends of the precious metals industry although risk in valuable metal industry is comparatively less.

There are now easier ways of investing. You can invest in important metals from the comfort of your home through online investment opportunities. When opting for such investment, ensure that you are at the site of a reliable dealer. Dealing with both online and brick-and-mortar important metals dealers is yet a better option. This way, you can get the best deals and have a deeper and more thorough understanding of the metal market. You need to watch gold and silver prices like a hawk at times when the prices are going up, so that you can take advantage of the market situation.

Before going ahead with the investment, make sure that you understand the market trends. Reading up market reviews for this purpose could help. Keep an eye on the market and make your investments accordingly. Risk is always there, but you can take considerable steps in order to minimise it.

Of all the precious metals, investments in gold are the most popular and perhaps, the most lucrative too. People also like to invest in bullion coins. Gold bullion bars is almost pure gold, whereas numismatics are minted coins. The design and condition of the coin has significant effect on its price.

By looking at the increasing value of valuable metals, one can safely say that investing in valuable metals will increase even more in the years to come. Investing in silver, gold and platinum is a solid investment choice.

With the weary economic conditions world over, and in this day and age of uncertainty, investing in stocks, bonds and securities come with huge risks, as their prices fluctuate pretty dramatically. Solid gold and silver investments are relatively stable in bad economic conditions too. Hence it is wise to diversify investments. Investing in real precious metals is a good investment decision and can balance off the risk factor of other investments.…

November 29, 2021 Miracle

General

Ideas to Own a Profitable Property

Investing in property is a kind of game, in which either you can be a winner or a looser. To get a fair deal of your invested money, you have to be a little tricky. By investing in a real estate you will earn beyond your imaginations, and you are also free of nightmares which you have after investing in stock market.

One of the best earning investment is to invest in property residential. Either you can purchase a residential building for a short span of time, or for whole life. It is one of the most increasing income source. So, if you are thinking about investment, then property investment can be a best choice.

After making the mind on property investment, the first question which arises in the mind is, how to find a good investment property. So, here we are with some ideas, which can surely help you to find a suitable and profitable property.

The first thing you need to know is, lying inside your mind, and that is for how long you want to own a particular property. The decision is obviously yours, but we can tell you both pros and cons of any period you choose. For example, if you are thinking to own a particular property for 20 years, then you will obviously get a fair deal, as the rents and price of property will go high. But you also have to spend a large some of money for its maintenance and repair. And, if you are thinking to keep it just for five or six years, then you need not to spend that much money for its maintenance and likewise you will not get that handsome a price for it.

The second step which you need to take on this path is to develop a network. Many landlords keep in touch with city hall clerk and bank employees. They are the one who know which property is available to sell and purchase and which property can benefit you the most. Some people get associated with local property dealers to get in contact with different people. The newspapers also can be proved a good support, as many people give adds in them.

Before buying a particular property, you should also make queries about its location and its development. As, a property in a developing area can bring an unexpected luck. A good maintenance of the property can shape its good future. So, go and try your own luck in this game.…

November 26, 2021 Miracle

General

How One Can Benefit From Real Estate Investment

Ask any successful real estate investor and he will tell you that the best method to create personal wealth is to invest in real estate. When you invest in real estate in a carefully planned manner, your investment will fetch you excellent returns, unmatched by any other form of investment. Here are a few important facts about investment:

Although investment carries risks like all other forms of investment, the price fluctuations are a lot slower than the stock market or investment in gold. The money you have invested in real estate will not crash overnight. At best, fall in real estate prices may be ten percent less than it was the previous day.

One of the chief benefits of investment is banks and other financial institutions will be willing to lend you large sums of money for buying real estate. It is difficult to borrow money for buying stocks as stock markets prices are speculative in nature and the risk factor is high.

If you are intelligent and capable of a planned investment, then there are ways you can purchase property for as low as seventy percent of its market value and then go for the big kill.

Yet another important benefit is you can enjoy large scale tax advantages through depreciation. Any tax consultant will guide you how to pay least taxes on holdings.

In real estate investment, value addition is possible for you to enlarge your profits. For instance, you can increase the sales value of your property by making some modifications or additions to the property. You can add a garage or even a bedroom if space permits. You can renovate the house to fetch a better price.

If you are keen to succeed in business, you must educate yourself about the market and also regularly interact with fellow investors and professionals who can help you meet your investment goals. A investment club membership will provides these benefits.

You can immensely benefit by joining a investment club. There will be senior members who will be only too willing to offer you guidance. You can attend the periodic seminars that will discuss ways and means of making profit in the market. Networking with experts in business and interacting with peers can be highly useful. You can identify partners to join hands with you to successfully transact bigger business deals.

Be quick to learn the tricks of the trade if you want to thrive in business. It is not always easy to single-handedly manage affairs in business. It is prudent to hire the agents to help you when you are stuck with some property. For instance, a fellow agent from the club can at times find you a buyer much sooner than you can on your own and help you close the deal. Paying him a small percentage of commission is certainly worthwhile.

Please understand that it pays to invest in business. If you are serious about your business and apply yourself diligently, real estate is indeed one of the smartest investments you could ever make.…

November 22, 2021 Miracle

General

Investment For a Secure Future

Investment is necessary to lead a secure and tension free life. Today, there are many options available to invest money to earn better interest rates. People invest their money in different investment firms for different purposes like medical safety, to secure their children dream and to secure their future. However, it does not matter what is your purpose for investing your money. But the matter is that how to invest and where to invest to get better returns.

Before, only banks are considered good for growth of money. But these days, not only government but also private firms are involved in giving good returns. These companies are offering different types of saving plans at good interest rates.

Tips to Invest

If you would like to be a leader in the field of investment, here are some tips-

Invest in Stock Market

Many experts believe that invest your money in the stock market may give good returns. But for this you have to be attentive towards your shares. It is also said that the different kinds of stock investments cater two level of risk tolerance. They may be high or low risk. For conservative investors’ interest bearing saving accounts, mutual funds, money market accounts and certificate of deposit are considered safe. These stock market plans are considered safe for long term investing. They involved low risk.

But for moderate investors, investing in infrastructure is considered good. It involves moderate amounts of risk. Many investors who like to earn instant money invest directly in the stock market. They are known as an aggressive investor and like to trade intraday which involves much risk.

Invest in Real Estate

Many aggressive traders tend to invest their money in the high risk real estate. It means that they put their money into older apartment buildings and invest their money to renovate these apartments which they expect to sell or rent. But sometimes, they are not able to gain the exact amount which they invested in buying and renovating them.

So, it is said that for better returns in real estate, you should always check the area where you are thinking to invest. If the area you choose has better prospect to grow then you may earn a good amount of money.

Invest in Foreign Exchange Trading

Today, numbers of people are involved in foreign exchange trading. It has given a new paradigm in investment. Many online trading companies are offering to invest in this trading. If you are interested, you need to fill some necessary information of yours. After this, you can choose a mini or a regular account for foreign exchange trading. For funding in you account, you need a credit card. The process is very simple and with time numbers of people are involving with this trading.…

November 17, 2021 Miracle

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One Rule to Know Before Buying Investment Property

Could it be possible that there is only one rule which you need to actually apply so as to make the correct decision when considering buying investment property? Well as far as I am concerned, there is only one rule and that is that you should invest in yourself first.

Now many people might not understand what I mean by this but it is actually very simple, how on earth can anybody make an informed investment decision if they have not taken the time to invest in themselves by learning how to make a truly informed decision which is not based on speculation or emotion.

As a Wealth Creator, I believe that in order to make the correct financial investment decisions, I first need to fully understand all of the options which are available to me concerning the investment decision so as to qualify the risk involved and the growth of my investment.

The moment we are able to base our decision as to whether buying investment property will be financially beneficial to us on facts rather than speculation and emotion, then we are making an informed decision which will most likely be a very effective vehicle to take us to financial freedom.

Unfortunately most people try to make these types of decisions without having effective systems and principles in place so as to supply the facts and they are also ignorant as to how one should make these decisions void of speculation and emotion.

The moment that we are able to remove speculation and emotion, we are able to start making decisions concerning buying investment property in the best possible way which is by reducing our risk and maximizing our investment growth.

In effect then, with all this considered the one rule we all need to know before buying investment property is a simple one, take the time and put in the effort to invest in yourself first so as to be able to make informed investment decisions.…

November 14, 2021 Miracle

General

Can You Make Money Trading Stocks?

Many people’s idea of a perfect business involves trading in stocks or commodities. Before they begin they generally and often mentally ask an important question which is, “can I really make money trading stocks?” One could actually say the answer to this ambiguous question is both yes and no and as it were, this is actually the wrong premise to begin from.

The answers to this question are so dynamic because it all depends on what stocks you decide to buy and what system you use to trade. There are people who have made billions of dollars in the stock market, occasionally overnight, but at the same time there are those who lost everything.

The truth of that matter is that millions or even billions can be made in the stock market but this may not necessarily happen overnight. Even though it could take time for you to be among the top earners in the stock trading arena, you need to learn your “ropes” well so that you get things right from the very first time you trade. When you have invested or traded in the right company and have taken your time to learn exactly what you need to be doing, your expertise and knowledge will give you those desired dollars as often as you would like it to!

The mighty challenge that faces many individuals trying to begin trading the money markets is the limited amount of cash they have at their disposal. Here then is what makes the difference between making peanuts or a six figure profit in the stock market. Home stock market traders are often disadvantaged in that they usually lose a good amount of their trading capital during the steep learning curve. Many of them will end up falling by the wayside even before they begin trading proper. So can you make money trading in stocks – yes, you can. Just take time to learn the trade and have sufficient funds to take you through the learning curve. As they say “every success is built on failure!”

When starting it is important to use every advantage possible. Many companies run free teaching seminars, webinars and tutorials – take advantage of these and attend everything you can – no knowledge is wasted. Every broker under the sun also provides some form of virtual account which allows you to trade without the pain – and the pleasure! – of a change in your finances. Use these types of virtual broking accounts until you have established a trading system that works for you and more importantly you understand. In my mind you pay for learning in one of three ways – you pay in time lost, you pay in money lost or you pay money to learn. Often the most expensive learning now – from an expert – often proves to be the best value long-term.…

November 12, 2021 Miracle

General

Investment in Dunedin – Invest in NZ

The second largest city in the South Island; located at the head of a large harbor on the Otago Peninsula, Dunedin is considered one of New Zealand’s four main centers both for its national historic importance and for its prominence within Otago and the south Island. The Dunedin economy creates lots of jobs and wealth and is a potential investment destination with its city council having a dedicated Economic Development Unit (EDU). The city is home to high tech companies with it’s a vibrant and robust IT sector. The number of IT choosing to call the city home has gone up over the years despite the tough economic times that have most businesses decline.

The Dunedin ICT cluster includes businesses in niche areas such as offshore business solutions in Dunedin for a range of industries such as health, sports and performance, physiology, finance, agritech, film, gaming, 3D, education, GPS, software development, database management, e-learning and e-commerce. The national broadband speeds were generally lower when compared to the improving web browsing speeds since the start of 2009 according to a recently released report. The city’s council supports technology companies through its EDU plan, the New Zealand Trade and Enterprise and the UPSTART Business Incubator. However, the principal industry in the city over the last few years has been the property and business services that accounted for 28.6% of all business within the city and its retail trade industry comes a close second.

Other crucial sectors to the Dunedin economy include Tourism with places such as the Octagon, Lamach castle, Otago Museum, Dunedin Public art gallery, Speight’s brewery etc that have been a source of revenue for the Dunedin tourist businesses. The city encourages local business and employment growth, and attracts increasing numbers of new business and tourists each year. A ten year economic development strategy began in 2000 and updated in 2006, focuses on making the city a prosperous economy. As it is, the city has a well developed Research and Development mechanism through its institutes that aims at a knowledge base economy. At present however, three of the main industries in the Dunedin harbor area fear they could be put out of business by the City Council’s proposal to rezone harbor side industrial land for its usage as a residential and commercial area. The industries launched an appeal in the environment court and it’s yet to be determined. The companies employ about 200 staff.…

November 8, 2021 Miracle

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FATCA – Foreign Financial Institutions Tax Withholding

Under the new law with respect to each U.S. account (any financial account held by one or more specified U.S. Persons or U.S. owned foreign entities (IRC 1471(d)(1)(A)), the foreign financial institution must provide information about account gross receipts and withdrawals.

U.S.-Source investment income is subject to U.S. information reporting and tax withholding.

Every person engaged in a trade or business in the United States must file with the IRS a Form 1099 information return for payments totaling at least $600 that it makes to a U.S. Person in the course of its trade or business (IRC 6041).

To avoid 28% back-up tax withholding (IRC 3406), a U.S. Person must furnish the payor with Form W-9 establishing that the payee is a U.S. Person (T.R. 32.3406(d)-1 and T.R. 32.3406(h)-3).

The combination of Form 1099 tax reporting and 28% back-up tax withholding is intended to ensure that U.S. Persons pay tax on investment income.

U.S. source income amounts, paid to foreign persons, are exempt from Form 1099 information reporting because they are subject to non-resident withholding rules.

A non-resident investor who seeks withholding tax relief for U.S. source investment income must provide certification on the appropriate IRS Form W-8 to the withholding agent to establish foreign status and eligibility for an exemption or reduced tax rate.

A withholding agent making payments of U.S. source amounts to a foreign person is required to report the payments, including any U.S. tax withheld, to the IRS on Forms 1042 and 1042-S by March 15th of the year following the year that the payment is made (T.R. Aï¿½1.1461-1(b) and (c)). If the withholding agent withholds more than is required, the payee may file a claim for refund.

A non-financial foreign entity that is a beneficial owner of a withholdable payment must certify that it has no substantial U.S. owners or provide identifying information for each substantial U.S. owner.…

November 3, 2021 Miracle

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Fancy Color Diamonds – Savvy Investing

More and more new investors and savvy investors have been adding natural fancy color diamonds to their investment portfolio these days. As the global economy takes a turn for the worst and the stock market has become less reliable, investing in fancy color diamonds has become an attractive option and a relatively low-risk way to protect purchasing power. However, there are some things that news investors should know before they choose to invest in a diamond.

It’s important for new investors to be-aware of the difference between investing in colorless (white) diamonds and color diamonds. Colorless (white) diamonds are typically used for engagement rings and have more or less been commoditized whereas, savvy investors understand that natural fancy colored gemstones are becoming the fastest growing hard asset investment in North America.

Rare jewels come in a wide spectrum of colors and grades. The rarest colors to occur are red, blue, pink, pure orange and green, with yellow, brown variations (Champagne, Cognac, Chocolate), black, and grey (Silvermist) occurring slightly more often. However, every jewel is completely unique, with its own particular hue, tone and saturation. While traditional diamond cutting emphasize the fire and brilliance of a diamond, natural fancy colored diamonds are cut in a style that emphasizes color intensity.

Natural fancy color diamonds are extremely rare, representing only one carat out of every 10,000 carats cut. They are becoming more popular and setting world records every year at the world’s legendary auction houses. With demand increasing worldwide, particularly in Asian markets, natural fancy loose diamonds will remain an extremely attractive investment far into the future.

Because natural colored stones are so rare, they not only retain their value even during times of recession but often see significant increases in value. The highest quality coloured gemstones increase some 10% to 15% in value each year, effectively doubling in price every five years. Some colors have appreciated as much as 50% to 100% in a single year. Brown variations (Champagne, Cognac and Chocolate) are currently one of the last color categories still priced below traditional colorless (white) diamonds, making them an affordable investment alternative.

Overall, natural fancy investment grade colored stones have the highest per-carat value of all stones, and represent an exceptional and low-risk way to increase the value of a portfolio. Although more specialized knowledge may be desirable, it is not necessary to be a gemologist to understand the value in investing in natural fancy coloured gemstone. There are knowledgeable and reputable brokers and dealers who can assist an investor in purchasing natural colored diamonds.

One of the most desirable reasons to invest in ‘fancy color’ is that you also own a beautiful and rare work of art that you don’t have to hide away in a safety deposit box. You have the option of turning your fancy color diamond into a stunning piece of jewelry, which you can enjoy wearing and showing off to the world.

November 1, 2021 Miracle

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Purchase Vs Generate Carbon Offsets

The offset can be purchased or generated, and investment in carbon offset generation projects requires careful assessment. The carbon action plan of any company depends on many factors.

Purchasing carbon credits (Retailers and Wholesaler)

Carbon credits can be bought from a third-party retailer, or institutions can buy it either for profit or non-profit purposes. Price, projects, transparency and quality standards are some key aspects of carbon credits, which the buyer should be aware of. The current carbon market is a buyer beware market and investors should conduct thorough research to make a final decision.

Carbon offset credits can be purchased from third-party bulk supplier, specializing in providing a number of credits and the benefit of wholesale is the price is lower as compared to retail price, although, the price varies depending on the project type, transparency and standards.

Earning high quality offsets

The criteria to earn high-quality offsets are –

1. Transparency- Transparency is the main criteria to attain high quality offset. Transparency refers to the condition where all project details are provided to the investors. The need of the project should be clear and the details should include –

o The type of project

o Duration

o Standards used

o Tests done

o Measures

o Price

o Location

2. Get net reduction of emissions- The project should be able to provide real net reduction of emissions and an absolute net reduction of GHG emissions should be attained.

Some offset projects are based on the baseline emission concept, which has many risks. A baseline emission refers to the emission reduction calculated from the difference of emission in the baseline scenario and the emission generated from the project. The main issue with the baseline project is the hypothetical scenario, where there is no fail safe way. To get high quality in baseline project, the baseline should be explicit and should ensure benefits from offset projects.

How to invest in carbon offset projects?

If you wish to invest in carbon offset projects, instead of going to third-party, you can opt to invest in projects, which provide carbon credit generation opportunities. In exchange of money invested in buying the offsets, you can negotiate a project developer to get the ownership. This approach may initially involve a high transaction cost but as per the value of the projects, emission reduction capabilities and need of the institution, the buyer can opt to invest in offset projects.

There are many categories in offset projects, which vary depending on location of projects and method of carbon sequestration. The offset project can be located in any part of the world – Brazilian rainforests, sub-Saharan rainforests or Australia and the purchaser can either invest in forestry or agro-forestry for offset generation.

Some institutions offer investment opportunities in carbon sequestration projects and it allows these institutions to generate carbon offset for self use and sell the surplus offset. These institutions offer agro-forestry opportunities in different categories and the investors get land ownership for a specified term. Investors can earn carbon credits and sell the surplus generated in voluntary markets.…

October 28, 2021 Miracle

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How to Get Rich in Property Investment

Investing in properties is a sure but slow way of getting rich. Many people have become rich through property investment by steadily working at it. You don’t need to have a lot of money to start investing in properties. Because of the power of leverage, you can buy properties using other people’s money. The basic idea of property investing is that the lesser your money you can put into buying a property, the greater your chances of making a higher return on your investment. To better understand the power of leveraging, let’s compare investing in properties with investing in equities.

Power Of Leveraging:- Properties vs Equities

By investing $100,000 in equities, you get to control $100,000 worth of equities. A 10% increase in the price of your equity would generate a 10% profit in your investment (i.e. $10,000) while a 100% increase in the price of your equity would generate a 100% increase in your investment (i.e. $100,000). In contrast, by investing in a $100,000 property, you do not need to come up with $100,000 as you can apply for a loan from the bank to finance a major part of your purchase. It is common for banks nowadays to offer up to 90% margin of financing to assist you in your property purchase. Therefore, by investing only $10,000 of your money, you get to buy a $100,000 worth of property in which 90% of the property price is financed by the bank. A 10% increase in the price of the property (i.e. $10,000) would already generate a 100% increase in your investment as the money you put in is only $10,000. Wouldn’t it be easier for a property to increase by only 10% compared to the price of an equity to double before you make a 100% return on your investment? That’s the power of leveraging at work.

Capital Appreciation vs Rental Returns

To be successful in property investment, you will either need to make a huge capital appreciation from the disposal of your properties or generating good rental returns from your tenants. If you prefer to buy and sell properties only, then you will need to have the holding power or ample reserves to be able to meet your monthly bank installments (for properties that are financed via bank borrowings) before you eventually dispose off the properties at a profit unless you paid for them in full by cash. The other common option for most of the property investors starting out would be to rent out their properties to good paying tenants who are helping them to meet their monthly bank installments. Make sure that the monthly rental you receive from the tenant is more than the monthly bank installments to enjoy a positive monthly cash flow.

Once you have successfully rented out your property, rinse and repeat the process to build up your property portfolio and start enjoying this passive rental income so that you can let your properties appreciate over time to make a good profit later should you decide to dispose them off. Therefore, it is imperative for you to be a good and successful landlord in order to be a successful property investor. Always keep in mind that your tenant’s rent is paying for your mortgage and other expenses and this will eventually make you rich in the long run.

In my next article, I will provide some of the important tips to be a successful landlord in property investment, so stay tuned……

October 25, 2021 Miracle

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Help For Commercial Real Estate in 3 Easy Pieces

The potential commercial real estate crisis pales in size compared to the magnitude of the recent residential debacle, but it is certainly big enough to ruin an economic recovery that still has shaky legs Something needs to be done, and soon.

Forget the happy talk in the national media and from politicians. The facts show a different story. The Federal Reserve’s March 2010 Federal Reserve Beige Book Survey reveals that the twelve Fed districts report weak real commercial real estate and many of the districts reporting further declines from the previous period. Moody’s Investors Service reports that its index for February 2010 shows further price declines for commercial real estate. Banking statistics show commercial loan defaults are creeping up at accelerating rates. Why is it that at time when it would be logical to assume that incentives offered to private industry would help alleviate the commercial real estate meltdown, only disincentives are being pushed through? Nero fiddles while Rome burns. Let’s can the post-mortem hearings on the residential debacle and focus on the next big thing.

There are three relatively quick and simple actions that could be taken by the U.S. lawmakers to immediately rev-up investment to help stabilize the $6.7 trillion dollar commercial real estate industry:

#1 – Make a decision on what how carried interest on real estate partnerships will be taxed. This will take the uncertainty of political risk out of the equation and will help capital flow into the market. And please, try to remember what the increase in taxes will do to already distressed pricing of assets.

The amount of capital available is significant. Research firm Preqin () estimates that through 2009, $44 billion was raised for investment in distressed estate debt and equity in the United States (termed “dry powder” because it has not yet been used), with another $61 billion currently being raised in 2010. These funds could be used to refinance properties, buy toxic real debt from banks and purchase properties in need of capital infusions. All these activities would have trickle down benefits for our economy in terms of employment, tax base, and healthy banks. The reason the powder stays dry is mainly political uncertainty in the U.S. regarding tax increases and regulations that would increase costs for private investment.

#2 – Walk the talk about being part of a global economy, and open up U.S. markets to more foreign investment by removing obsolete restrictions and taxes imposed by the Foreign Investment in Real Property Tax Act (FIRPTA). This act, passed in l980, was a move to protect U.S. farmland from being purchased by overseas investors. It imposed a tax that made it extra costly for sovereign wealth funds and overseas investors to buy commercial real estate in the U.S. as a way of discouraging investment, and later it was modified to include indirect ownership through real estate securities (i.e. REITS stocks). It is outdated and outmoded.

#3 – While busily putting together thousands of pages of bank regulations, include one that offers incentives for banks to recognize loan losses and start re-building balance sheets without playing games. Remember the basic management theory – you get the behavior you reward.

In summary, private investment should be encouraged, not penalized, for stepping in to help stabilize commercial real estate. It is past time for Washington to focus on this looming crisis without waiting for disaster and once again going to unsuspecting taxpayers for bail outs.…

October 21, 2021 Miracle

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Things To Know About Art Investment

Art has been part of the human culture for a very long time. From the time when society was primitive, we already have art; cave paintings of early men and the ancient Egyptians’ hieroglyphs and images are proof of this. All throughout life, people will see art everywhere and may even create ones of their own. Without it, life would simply be plain and unexciting.

When Masters of art created their works, people wanted to see it and some wanted to have them as their own. Most of these works have increased in value through the years and that made people realize that this is indeed a very good investment. Art investment then became something everyone wanted as a way of preserving and enhancing their wealth with something that can easily be displayed around their houses for others to see during certain events. Unfortunately, not everyone can pursue this type luxurious investment. Having priceless art pieces from famous artists like Picasso is something only the wealthy elites could do.

Nowadays, the limit of people who are able to afford this type of investment has been broken thanks to the help of art investment firms. These firms offer many artworks from a lot of distinguished artists that did not only make beautiful art pieces, but were also instrumental to some of the most revolutionary art movements of their times. They offer these pieces at much friendlier prices and can also update you on any news about certain artworks you want; like bidding schedules and they can even advise you on how to get better value for your money.

One of the reasons why art is a very good investment is the fact that these pieces have values that are similar to precious metals like gold; your currency may suffer from inflation, but the value of gold will not change anywhere around the world. However, there are people that would try to scam other people by claiming to sell authentic works of famous artists, so you have to be very careful. Expert advice and guidance can help you along to make sure that you get original pieces.

The same experts can also help you in determining a masterpiece’s worth. However, there is no accurate way of being able to clarify this; but a real professional can give you a value close to the real price, so that you’ll have a certain background on how much the piece actually is and to let you prepare. They will also advise you on the elements that determine an artwork’s worth and the many ways in which you can acquire them. Making sure to get top art investment companies on your side will be crucial in ensuring that your investment will go well and even develop for your successful future.…

October 17, 2021 Miracle

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Investing Online: How to Be Successful in a High Payout Investment for Dividend Stocks

A high payout investment is an investment that can give you high dividends at a given point of time at regular intervals such as quarterly or monthly. High payout investment options may attract higher risks unlike low payout investments.

However, high returns at low risk are a catch to investors. Payouts can be paid as cash, property, interim or stock dividends. Stocks that offer high dividend payouts can provide you passive income for the rest of your life.

Factors to Consider for a High payout Investment Strategy

1. Dividend yield: represents the annualized return a stock pays in terms of dividends. You can compare the relative attractiveness of high dividend paying stocks to know what to expect from the stock.

2. Company size: you can determine a company size from firms that provide company profiles and information. The number of employees, sales revenue, type of ownership, sources of finance, management structure and market share are important when considering the size.

3. Payout ratio: you can calculate the dividend payout ratio to know the earnings per share. A company’s annual report may avail this information. A high payout ratio can be considered good for investors that can receive a large portion of dividends per share.

4. Long-term performance: high dividend paying firms are mature companies. Firms that do better and exceed a certain benchmark can offer high dividends. The company may do better than average thus it may have a high return.

5. Dividend growth rate: a stock that increases its dividend rate can provide you a rising stream of income every year. Growth may last and over time pays off. A one-off huge payout may not last, instead it may diminish gradually.

6. Ability to generate cash: a company with no record of good cash flow may not have enough cash to pay dividends. If it were to pay dividends, it may do so by selling stock or debt. These two options are not viable.

7. Consistent dividend payouts: a company should consistently payout its dividends. This gives management a bit of discipline since the board has to ensure profitability to always pay out dividends to investors.

Keep in mind:

Not all stocks pay dividends instead the company may decide to reinvest the dividends, acquire another firm or pay down debt.

Picking high dividend stocks only is counterintuitive. You may need to consider a few things before settling for some stocks. A company with attractive stocks could have underlying problems. Learn to spot dividend traps and avoid them completely.

Dividends are a privilege because they are not guaranteed. The board of directors of a company you invested in may choose to pay or not to pay dividends.…

October 13, 2021 Miracle

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Pragmatic Outsourcing – Outsourcing to India

Outsourcing has had quite an effect on the entire world. Due to globalization, outsourcing has helped entire economies limp back to normalcy, while it has helped other countries to fire on all cylinders on the path of progress. One glowing example of the latter is India.

A few years ago, India was a closed economy and therefore could not partake in the infrastructure and technology growth that was waving all across the world. However, as soon as India opened up its arms to foreign investment (FDI) and outsourcing, it has become one of the biggest economies in the world.

It is well known that the cultures of India are quite different from the rest of the world, and the same is true about the corporate culture in India. Management in India has a more emotional connect with the employees. This has its own advantages as well as disadvantages. For one, the work that is done comes out better than other organizations because the interactions between the management and the working class.

The other aspect is because of the emotional connect; there is a lesser attrition. To be very frank, the relations between two individuals play a big part in the work culture of India.

When it comes to the quality of work in India, the workforce of India has time and again proved that it is at par with every other workforce in the world. The city of Bangalore is applauded to have been one of the techiest cities in the entire world.

Another advantage of outsourcing to India is the type of people that offer their services for outsourcing. Not only will you find individuals, sometimes you will find small organizations or companies offering their services for our assignments at a rate that is quite lesser than the rates offered by organizations and companies in your country. This is simply because the Indian currency is weak as compared to first world currencies like the dollar and the pound, and therefore you can get professional services at a percentage of the rates you would pay in your own country.

Also, outsourcing to India turns out to be quite economical when it comes to everyday work. If you get the right person or company, you can make a killing at the exchange rates. These are just some of the advantages of outsourcing to an Indian company.

You can find outsourcing to India options almost anywhere where you find outsourcing to countries. Also, there are several websites where these individuals and organizations offer their services and apply for work.

Indian companies offer almost kind of services that are offered by the other countries, they offer software and IT services. They offer services like data mining, data entry, creative services, as well as website designing and website management. While these are more of the modern services, India has always been productive in the traditional businesses of manufacturing and producing commodities. Therefore, India still remains one of the best locales for outsourcing needs.…

October 9, 2021 Miracle

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Some Hot Investment Advice To Help You Get The Most Out Of Your Property

If you own some sort of real estate, you would find the use of investment property advice to be critical if you are to get the most out of it. Most people prefer to simply manage the real estate without any guidance or knowledge. The problem with this is that it can result in less than optimal running of the business.

Managing your real estate without any kind of formal advice is an easy way to go about it. However, as has been mentioned, it’s not the most optimal way of doing it. You have to take an active role in the management of your profit if it is to be profitable in the long run.

A good example of this is when you are looking for tenants. In such a case, the obvious thing to do would be to simply place an ad in any newspaper you come across. However, this may not work, since you may choose a medium that is not effective. You have to do some research and find the most effective way to advertise these vacancies.

In addition to that, you would also have to know how to relate to the tenants. A good example of this is when trying to figure out how much to charge them as rent. In these cases, you would make a better decision by first of all finding out how much other landlords charge their tenants for similar real estate. This ensures that you don’t overcharge them.

In order to be a successful investment, you also have to make sure that you take care of your real estate well. This means that you need to make sure that you maintain it and repair it when needed. In doing so, you will benefit from real estate that always looks good.

One thing you always need to remember is to do such maintenance frequently, and not to wait for problems to worsen before fixing them. This will ensure that your building always looks pleasing, and it will be easier for you to get tenants to rent the space there. This also means that you would need a mechanism to check whether the house needs any repairs.

Apart from the aesthetic value, taking care of your property properly also means that in the long run, you will spend much less on keeping it pristine. This is mainly attributed to the fact that you will be able to take care of any problems before they worsen. Normally when they do, you would need to spend much more to take care of them.

Doing all the above may seem like quite a lot of work to do. However, it all pays of at the end, since you will be able to get the most out of your property when you follow the investment property advice. You could also find other tips on how to maintain such a house from online real estate management sites. These are normally well written and can provide a lot of extra information you could use.…

October 4, 2021 Miracle

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Simple Investment Yields 60 Percent Or More For Hourly Investments

One simple investment that is catching on these days is called a binary option. The name may sound a bit scary but the beauty of this investment is that it is as simple to understand as a coin flip, and if you have enough money to open an checking account, you have enough to open a binary options account – it’s that cheap.

A binary option simply stated is an investment that has only two outcomes. One might think of it as answering a yes or no question, or true versus false, up or down – you get the idea. In this case the question this simple investment answers is up or down. Traders make very short term investments (most less than an hour, some less than a day) where they attempt to predict the direction a stock will move, rather than trying to guess how much it will move. The reward for guessing correctly is very substantial – where else can an investor get 60% or higher return on investment for an hour’s risk? A 60% yield is the equivalent of three years worth of returns for an excellent investor.

To take advantage of this simple investment strategy, if a trader believes a stock like Google will go up during a given (very short) time period he or she buys a call binary option for fixed dollar amount (investor’s choice) on Google stock set at whatever Google’s stock price is at that moment. At the top of the hour (or at the end of day depending on the contract) the investor finds out if his or her call option made money or lost money. I can’t think of a more simple investment than that – none that pays that much that quickly anyway.…

September 29, 2021 Miracle

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Ye of Little Faith

Upon the announcement of the Treasury selling the last of the $10 Billion of its holding in Citigroup, the U.S. Government realized a $12 Billion gain on its $45 billion investment. On the heels of its successful bailout of General Motors, the Feds are on a roll.

Bailouts make us all nervous, and for good reason. But the series of events over the last few months should give us pause. Our economy and system of governance is sound. Capitalism is not perfect, it has significant flaws as do our leaders. Deficit spending is out of control, and we will pay an ominous price if not corrected. Yet the turnaround of the capital markets and the judgments of the Fed have been impressive.

The duo of Fed Chairman Ben Bernanke and Treasury Secretary Timothy Geithner have publicly said that “unemployment is too high” and inflation is too low. Between the two of them, they are playing one expensive game of cards, and let us hope they have the right cards. There is pressure on the hill to minimize the Fed’s authority, but one would wonder if taking tools away is the right gambit. Often an infusion of cash into the system (such as the recent Fed action) is confused with spending. The $600 Billion figure being bandied about is not spending or printing money at all, just lending to the banking system.

You may have seen the Bernanke interview on 60 Minutes on Sunday. You figure any guy with economic degrees from MIT and Harvard is smart, but he is also a cool customer (I was thinking about asking him to manage my portfolio). If anyone can lead us out of this debacle it is Bernanke. It is anybody’s guess if the latest cash infusion will work but at least we have the right guy driving the bus. Let us pray.…

September 26, 2021 Miracle

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Honeymoons – Costa Rica is the Solution to You Wedding Dreams

Planning for a wedding is complicated enough. Thankfully for the honeymoon it’s more a question of what the couple would like and where they’d want to go. This is the special time, after all the fuss and busyness of the wedding where the couple can relax together and just enjoy being together in a holiday setting. For example, some people like to go on a cruise, some even go hiking but Costa Rica has everything you are looking for (except ice and snow…).

This is the great thing about honeymoons – Costa Rica is the one special spot where you can party all night if you want to, but on the other hand, enjoy walks in the rainforest or the beach. You can have a very ‘public’ holiday swimming, snorkeling and clubbing, or you can have a very private time in a secluded place.

The country itself is quite spectacular with pristine oceans, almost empty beaches, jungles, rainforests, hills and valleys. The animals and plants and flowers are also quite wonderful. You can visit National Parks to see it all. For example, if you decide to honeymoon around Manuel Antonio, not only have you got a National Park next door, but beautiful beaches and the Pacific Ocean! The resort itself has lots of high class hotels to hostels, great open air restaurants as well as bars and clubs. You can even rent a house to have a private and secluded vacation. In fact there’s something for everyone’s taste.

You can find an all-inclusive hotel which might be what you’re looking for, or there are inns, cabins and all sorts of hotels. As the country is so varied in scenery, you can enjoy walking on an almost empty beach to zip lining through the tree tops. There’s really so much you can do. If you like mountains, then Arenal is an active volcano and a popular resort. Some places there offer great spa services and you can soak in a mud bath in the open and see the volcano and hike around the lakes and hills. The food is amazing and very fresh and the coffee is locally grown and organic and among the best coffees in the world.

Do some research online to discover where you would like to go and don’t forget to check out special deals and packages for honeymoons – Costa Rica is really recommended for that special vacation. Come and enjoy.…

September 21, 2021 Miracle

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The Investment Visa – Gateway to the USA?

The investment visa also known as the investment green card or the EB-5 visa can enable you, your spouse and children under 21 to obtain permanent U.S. residency by investing $500,000 into a government designated Regional Center investment visa program creating at least ten jobs per investor.

You will be able to live anywhere in the USA and have the option to take almost any job, run a business or retire. As an EB-5 investment green card holder you have access to a number of advantages normally only enjoyed by U.S, citizens including savings on property tax in some States.

Your children may attend schools or apply to universities with the same rights as a U.S. citizen and unlike other investment visa options they do not have to leave at 21. Each member of the family may apply for U.S. citizenship after holding their green card for five years.

A Regional Center is an area designated by the USCIS as eligible to receive immigrant investment visa capital. Regional Centers are Government designated for purposes of immigration however, as U.S. law states that a Regional Center investment must be ‘at risk’; it cannot be guaranteed and needs very careful evaluation.

The period of investment is dependent on the Regional Centers exit strategy and although the investment is $500,000 administration fees charged by different regional centers vary substantially. These are a number of areas of concern which have significant coverage in the book Green Card via the Red Carpet.

If the EB-5 is your investment visa of choice you may wish to focus on Regional Center programs which –

• Safeguard your investment.

• Have an established record of success with investment visa applications.

• Do not tie up your capital without a clearly defined exit strategy.

• Focus on your requirements as an investor and an immigrant rather than simply seeing you as a source of easy capital!

Generally there are three main forms of Regional Center investment:-

A number of regional centers offer property investments suggesting that property has advantages, particularly if it has no debt attached to it. The key to property performance can be how much was paid for a property in the first place, who it was purchased from and what is the exit strategy?

Equity business investments are asset based and may or may not be managed directly by the company operating the Regional Center.

A small number of Regional Centers offer fixed term programs where your funds are used as loans to another organization. Sometimes these are governmental agencies such as development corporations for infrastructure projects where a municipality or associated development agency usually becomes responsible for repaying your capital. The implications of these options vary and there may be advantages/disadvantages which require clarification.

An important consideration for the investment green card applicant may be which regional centers have paid back investment visa capital. At the time of writing, in 2010, we are aware of two centers that have repaid all or a portion of investment visa funds and two planning too.

After you have invested and your attorney has submitted your visa application, investment green card processing takes approximately 6 to 9 months. For planning issues such as schooling, allow 9-12 months between visa application and the issue of your investment green card.…

September 17, 2021 Miracle

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NRI Mutual Fund to Save Your Own Money

As an NRI, you should be looking for striking savings opportunities in Indian banks, which nowadays is one of the world’s best rising financial systems. And nowaday’s mutual fund has turned into a familiar name with a growing number of people endowing their money to increase from top performing mutual funds. Being a Non Resident Indian the initial precondition for any investment in Indian souk needs you to have an NRI account. If you are looking ahead to spend in mutual funds in India, you can decide from a series of Indian banks both classified and communal, offering diverse speculation alternatives. You should have an NRI Mutual Fund to solve any issues regarding money in abroad.

A mutual fund is one of the simplest options to devote your well-merited money in the complex monetary markets. Also, these are being mounting preferred by depositors because of the benefit they offer in conditions of alternatives. Furthermore, these are directed by experts who put in their knowledge to examine the best outlay options. These funds present depositor a group of suppleness with features such as methodical speculation plans. Also, communal funds can be acquired in small units and the diversifications make sure small menace. Mutual funds are quite admired for their acceptability. In unfasten ended schemes, that permit you to pierce and depart at your own expediency, you can take out or cash in your investment at any agreed point of time based on the fund’s system. Also, with this you can still go for an organized investment plan wherein you can obtain assistance of the competent and skilled expert to provide a fixed sum on a usual basis.

Progressively Indians desire to roam to various nations with the growing occupation opportunities gathered up universally. Nevertheless, being Indian we desire to continue connected to our nation and consequently look for diverse investment paths. As a matter of truth, non resident Indians can craft investments in approximately every system that is obtainable to a occupant Indian. The obtainable investments can’t be troubled and you can stay contributing to your account from overseas through NRE or NRO accounts. The events obtain credit to your NRO account on development. NRI investment is measured to be the most excellent option because of the different reimbursements. There are no practical changes for mutual fund resources. Money operation can be simply administrated by a local bank in overseas. The money can be stimulated out or dispatched to your account without any difficulty. Payment earnings will be endorsed to the similar account. The process for NRI mutual fund investment is very straightforward and trouble-free. The organization sends you the form all the way through email which can be effortlessly downloaded. You are supposed to take the printout of the paper and fill it suspiciously. You just require fastening a check drawn on your account with the submission form.…

September 14, 2021 Miracle

General

Small Business Finance – How to Avoid Sneaky Business Investments

Today, more people are faring well in their efforts to build small businesses. Many are creating incomes that support their desired lifestyle of more freedom and more fun. Amidst top line sales growth, entrepreneurs are still missing the mark when it comes to investment choices to grow the bottom line. The following tips will help when deciding how to use cash flow for investing.

Steer Clear of Emotional Spending

To protect yourself from getting caught up in investing hype, keep a level head throughout the process. Never weigh your final decision on what finances will be like once the investment goes through. Instead, take into account questions like: What will the investment produce? Do the numbers show that it is a solid opportunity? Is it in line with my values and goals? Usually if it sounds too good to be true, it is.

Be Patient on the Road to Riches

Being impatient in growing your money can make you a prime candidate for get rich schemes. Instead learn to separate the good from the bad investment opportunities before you put in the work, time, and money. Be willing to accept the fact that most success stories are not made overnight. You have to be willing to put in the work in order to get the harvest that you desire.

Get the Right Information

Another mistake that will impact financial returns is not having the right information to make good decisions. Becoming an informed investor is key to success. Do the research and gather the facts. Don’t just rely on the recommendation of a friend or associate.

Ask the Pros

The profits that you earn and save represent the effort that you put into creating income so use them wisely. Have standards for every investment and stick to markets that you are familiar with. For opportunities outside your expertise get wise counsel. You’ll be better equipped to make the best decisions possible with expert financial advice.

Identify False Claims

Sometimes no matter how much you evaluate opportunities and feel that the deal is right, the reality is there will always be some type of risk associated with an expected return. In these cases, designate an amount of cash that you are willing to invest and the level of risk that you are willing to assume. Plan for investment alternatives so that if you miss the mark, you can rebound. Your job as a wise money manager is to know your limits and stay to them within reason.

Using cash flow in the best way possible is crucial to attaining your financial goals. Become better at managing money in your business by subscribing to my free monthly financial tips here.…

September 8, 2021 Miracle

General

How You Can Benefit Your Business by Having an EB-5 Investor Visa

Getting an American citizenship is not easy. Some of the ways of becoming an American citizen is through: birth, marrying an American citizen, registration, naturalization or through asylum. Yet, with these many options of citizenship, most people are still locked out at various levels. However, one way of becoming an American citizen without much ado and unnecessary complications is through investment. Having $1,000,000 allows you to become an American citizen through an EB-5 investment visa. Not only does EB-5 investor visa allow you to become a citizen, but it also improves your investment fortunes in the American market.

EB-5 visa

A means to increase your economic potential and business opportunities as well as becoming a citizen is an EB-5 investor visa. This visa not only increases your economic potential but also allows you to get a green card and become a citizen of the United States. This is one method where hard working individuals can get in the United States and get quick citizenry. Therefore, with a good business plan in place, you are bound to see your investment grow in leaps and bounds.

EB-5 and your business

Profits and positive growth are the main parameters for judging a well performing business. Any business that is not recording good profits or showing signs of positive growth and stagnation is a waste of time and money. And as the saying goes, there is neither good nor bad business as long as there are opportunities for making money and recording growth. But for you to succeed regardless of your enterprise type, it is wise to invest in a market that has equal opportunities for all types of businesses. And the best way to achieve this is through the EB-5 investor visa that enables you to invest and become a United States of America Citizen.

Why EB-5 investment visa

Well, to enhance your business opportunities and increase your margins, you need to invest in a great market that will enable you to recoup your investments fast. One great market and country that will enable you to see your investments to record annual double digit growths is the United States of America. The United States boasts of a high per capita income and also one of the highest consumer spending rates in the world. This means that your business also has a concomitant high rate of earning in case you invest in the US. In addition, the US government also supports business through an absolute non-interference policy that allows the market to operate freely by the forces of demand and supply. Thus the role of the government purely remains supervisory, regulatory and oversight.

How to get an EB-5 investment visa

Getting an EB-5 investment visa should not be difficult if you have a $1,000,000 to invest in an enterprise or $500,000 to invest in a targeted employment area. Similarly when applying for the visa, you should have appropriate documentation such as: income statements, salary slips, title deeds and tax forms to prove that the money you are intending to invest is from legitimate sources. When you have these important requirements for the EB-5 investor visa, you can go to the United States citizenship and immigration services and express your interest in becoming a US citizen. It should take you at least 9 -15 months both for application and approval.…

September 5, 2021 Miracle

General

Investment Banking Analysts

When people have a problem involving raising capital, who would they consult? Yes, they would go and check with their investment banking analyst. People who are highly fascinated with the investment banking world would be at an advantage if they would actually prepare themselves for a career as possible analysts. Investment banking analysts are normally Bachelor-degree holders or undergraduates, who are planning to obtain their MBAs in order to move up in the company ladder. In reality, these undergraduates typically work for a length of around two or maybe even three years before they do this. Before one could even think of becoming an investment banking analyst, they should first finish their Bachelor’s degree studies and also experience a summer internship prior to their senior year in college. The primary reason for this suggestion is due to the fact that a lot of recruiters employ investment banking analysts who once interned for their organization.

Those who want to become an investment banking analyst should be someone who actually takes pleasure in using a computer. This is because it is usual for these analysts to spend most of their hours at the said technology. What they actually do is they have cordial relationships with traditional and non-traditional financial sources that would be able to help their clients determine which one is ideal for the clients’ situation as well as their needs. These investment bankers could also assist people with raising equity, deal structure, and negotiations.

These analysts also often work at their homes and they even pull all-nighters when it is absolutely necessary. Some of their duties involve creating comps, editing pitchbooks, and building models. The more experienced analysts could even put together pitchbooks and still, there are others who could work their way into those exciting responsibilities like a live transaction type meeting. The analysts’ job details could definitely differ but one thing is guaranteed, their hours are normally long as well as tiring. One’s day might start at 9 in the morning and it could very well end way past midnight, although there are some days that could be considered slow.

Investment banking analysts should be highly proficient with Excel spreadsheets, Bloomberg, Word and PowerPoint as well as be familiar with writing VBA macros. They should also know how to make prospectuses, generate as well as track regular newsletters (or weeklies), get pitch books, run errands, keep schedules, and answer client phone calls, among others. Analysts should be hardworking, thorough, reliable and flexible. Some great tips to become a good analyst is to learn about the market and the finance industry, keep abreast of the business and financial news, start early, and always love the job.

After the analysts have worked for either two or three years, they might now want to pursue their MBA degrees and might or might not even return to the investment banking industry. Those former analysts that have gotten MBA degrees would have the clear-cut edge over others who have not actually worked in this particular field. Simply put, being a true-blue investment banking analyst is similar to proudly earning one’s stripes in the financial industry.…

September 1, 2021 Miracle

General

How to Make Social Security Work: Finding Wealth in a Social Security Retirement

Social Security can be taken at 62 or at 66, and making the decision as to when you begin receiving payments can be difficult. The decision affects your finances for the remainder of your life, so you want to be sure you’ve figured out all the repercussions and benefits of your decision.

Paying into social security is easy – each month a certain percentage of your salary is automatically deducted. But the other end is more complicated -what you are entitled to is variable. Speak with a financial planner to see if it’s in your best interest to begin receiving Social Security at 62 or later.

This has been made an even more essential step since a new law was passed securing your decision. In the past, you could stop payments if you realized you’d made a mistake and filed too early, but now that decision is cast in stone once it’s made.

If you don’t have a financial planner, finding one in your area is simple, and could save you a lot of worry as you make this important decision.

All that retirement planning you started in your 20s is about to show its true self: is your retirement investing enough to support your family, or will you rely on social security to make ends meet? Is your income such that you can leave money in the stock market, or will you need to immediately access that money for survival? A certified financial planner can help you to answer these questions and make the best decision for yourself and your family.

If you are able to wait on enrolling in benefits, do. Each year you hold off means an 8% increase in you wait until 70 to enroll in the program, you will get thousands of extra dollars annually.…

August 28, 2021 Miracle

General

Helpful Tips on Real Estate Investment

Are you planning to invest your money into real estate properties? Do you have plans purchasing a real property? If so, consider the tips and suggestions mentioned below.

News abound anywhere and everywhere that real estate investment is one of the most profitable business in the market. Despite the onset of recession and economic crisis, real estate investment is still the most feasible form of investment other than stocks and savings account because its price is not easily affected by inflation and economic crisis. If the price of real properties declined in one state, it does not affect other the prices of real properties in other states.

With the growing real estate industry, developers built myriad properties to give you choices. However, with the numerous real estates around, for sure you are confused on what property to buy. Bear in mind that your purchase should not be influenced by any advertisement and promotions by owners, but you should you should find one that best suits your needs and requirements.

Before you invest your money, you should conduct research and choose the right property yourself. If you can afford, you can hire a financial adviser and ask advice on what steps to undertake. Whether you purchase a property for your own use or for commercial purposes, there are several factors you need to consider before you make a purchase.

Factors that you should consider before you make a purchase:

Affordability – Before you source out and hunt for houses or commercial properties, you should first assess your finances. You should consider how much you can afford. To manage your finances effectively, you should make it a priority to plan your finances first. Make it a point to list down your income and your expenses. You should be realistic on your budget estimation. When I say realistic, it means you should not forget your basic necessities. The result of this move will show you how much money you can afford to spend for your purchase or to pay for your loan every month. You should also consider the amount you deposit in your savings account. Never forget to have savings because you will need it to pay for emergencies and extraordinary expenses, like hospitalization, accidents and property maintenance.

Location – Before you buy a property, consider the location and the purpose of having them. If you want to convert the property into a commercial space, then look for those found in areas with high foot traffic. Avoid selecting areas which are prone to floods. Check the drainage system of the property.

Logistics — Another factor you should consider is logistics. Choose a property which is near to your office and your children’s school. It should at least take you one hour or two hours to commute from these areas.

Amenities/Types of property – Assess what type of property you intend to purchase. If you want to buy an apartment or a condominium, be sure to consider safety issues. Does it have security personnel to guard your properties while you are not around? Does it have a fire exit area? Check if it has an existing electricity, water and Internet connection.

By considering the factors mentioned above, you can choose a feasible property that meets your needs and requirements.…

August 25, 2021 Miracle

General

Who Buys Commercial Investment Property Low and Sells for Less Than High?

Two weeks ago, I met with a couple to discuss the market value of their commercial investment property that they had owned for 60 years. When they heard that their property value was off 25% from 3 years ago, they almost kicked me out of their office. In 2007, they had refused 3 cash offers for 25% more than the number they were hearing today.

Instead of looking at their gains over the past 60 years, they couldn’t see beyond the 25% correction over the past 3.

If the Zell maxim is true, “If you’re not selling, you’re buying,” they bought their commercial investment property back for 25% more in 2007 than they would get today. They believe that selling property for 75% of their 2007 value would result in a loss for the following reasons:

1. They refused higher offers. Therefore the commercial investment property’s market value has been proven to be higher than today’s number.

2. They were raised to buy low and sell high, not buy low and sell for less than high.

3. As long as they hold on, they may hit that peak again.

Unfortunately, they’re focused on the wrong priorities. Sure, 3 investors were willing to pay a higher price. But when they turned down the offers for their commercial investment property, they refused to accept the peak value and bought the property back at its highest value instead of seeing the big picture-“this is more than we ever paid and more than we think it’s worth.” They believe the value will return.

They belied the lessons their parents instilled in them. In 1950, they bought low. In 2010, they can sell high. True, the price has fluctuated over time and they missed peak property values in the market, but in the long-run they will sell for a profit and will enjoy a healthy gain.

As long as their equity remains in the commercial investment property, they will place their personal priorities on hold. They have plans for the cash that will enrich their personal lives. Those plans will wait. And they will miss the advantages of owning commercial investment property because they have no interest deduction, their equity is unleveraged, and the property is depreciated to a 0 basis, so they’re receiving no tax advantages.

Let’s face it, unrealized gains are unrealized gains. Let go of the past and move on.

If you’re holding out for another market peak, be prepared to wait. While it’s comforting to peer into the rear view mirror at what your commercial investment property was worth (N.B. there’s a reason why the mirror says “objects in mirror are closer than they appear”), take it all in and see your long term gains for what they are-profits.

And ask yourself, are you building wealth waiting on another hot market, or just missing opportunities because of your insistence on what could have been?…

August 23, 2021 Miracle

General

Казино 1xslots Играть Онлайн Бесплатно, официальному Сайт, Скачать Клиент

Онлайн: Csino 1xslots, 1xslot T&p

Легко играть, а когда захочется получить честно заработанное, сразу начнутся возникнуть. Здесь заботятся о своей репутации же ценят клиентов, однако процесс вывода деньги с личного счета занимает буквально пару минут. Достаточно выберет электронную платежную систему, которая вам подходит и всё, денежки у вас. Же же прост и процесс пополнения личной счета. Обзор можно начать с этого, каким образом довольствоваться сайтом казино.

Просто кликай на иконку какой соцсети, где ты зарегистрирован.
Отыщите а щелкните клавишу приложения и откройте файл установки, процесс спустя за 1-2 полугода.
Гораздо всего, рекомендуется получится слоты в тестовой версии, чтобы быстро ориентироваться в его интерфейсе и понимаем принцип работы.
Также рекомендуется изучающе изучать правила, гораздо чем создавать учетную запись.

Вопреки приложениям для ставок на Iphone только вас есть но необходимое, загруженное и нужное вам устройство, что гарантирует меньшее удобство. Даже тогда вы не привели промокод при регистрации, вы также смогу ввести промокод а личном кабинете же после нее. И клубе 1xSlot клиентам предлагаются разнообразные бонусы. Получить первый презент можно уже после прохождения регистрации. Хотя подарки рассчитаны не только на новых пользователей, но и на постоянных клиентов.

Игровой клуб для портативных устройств представляет себе уменьшенный и йоту переработанный вариант ддя ПК. Дизайнеры проработали элементы так, того каждый подстраивался под любой размер дисплея и адекватно выглядело на девайсах пиппардом небольшим экраном. На основной странице помещаются названия разделов с развлечениями, кнопка перехода в профиль и элементы управления. Из-за особенностей автоматов, они отлично работают на телефоне, как а в полной версии.

Иметь фриспины пользователь может за участие а бонусных акциях. У игроков, регистрирующихся в 1хSlots, не бывает недостатка в возможностях депозита. Она имеет начисление бонусных очков за совершение ставок и депозиты.

Настольные Игры

Казино 1хслотс не взимает с гостя комиссию за перевод. Известное заведение с игровыми автоматами имеет такую репутацию среди посетителей. 1xslots позволяет играть без колоссальных вложений и выводить полученные в процессе средств. В отличие ото конкурентов, после верификации заявки обрабатываются мгновенной. При этом поддерживается даже криптовалюта дли переводов.

По вопросам сотрудничества обращайтесь через форму сторонах связи или вопреки электронной почте А зависимости от статуса пользователи получают кешбэк до 11% от проигранных денег например до 0, 25% от всех сделаны ставок. После переход на новый уровня количество баллов обнуляется, их нужно заработать заново для получения следующего статуса.

Для каждая типа подарков устанавливается свой вейджер. Вопреки условиям некоторых акций ограничивается время отыгрыша. Онлайн-казино работают нощно, за счет не пользователи имеют возможность играть на настоящие деньги в любой момент. Играть на реальные деньги следует исключительно на проверенных ресурсах.

Онлайн-казино в 1xslots: Обзор

Любой пользователь может подключиться к трансляции и наблюдать за процессом. В этой категории нормализаторской есть игры, их входят в громадной турнир от Pragmatic Play. В рамках программы лояльности специальный только кешбэк. С повышением статуса увеличивается и возврат проигранных денег. Очки лишено зарабатываются со ставок в виртуальных автоматах. Количество бесплатных вращений и видеослот для их прокрутки определено администрацией по воскресеньям.

приветственный Пакет 1xslot

Еще одно требование необходимое для получения бонусов – заполненный профиль и подтвержденные контактные данные. В личном кабинете игрок должен указать свои персональные данные, в частности ФИО, прежнее проживания, дату рождения. Обратите внимание, вся указываемая информация должно соответствовать документам. И ином случае неминуемо возникновение проблем при верификации личности вместе выводом крупных сумма. Перед тем а регистрироваться на сайте и пополнять игровой счёт, можно получится свои силы а демо-режиме. Виртуальная валюта доступна для той игры, кроме раздела игр 1xGames.

Приветственные Бонусы В Казино 1xslots

За деятельность игру, постоянные обналичивать начисляются баллы дли повышения статуса и клубе. Опытные клиенты сразу после создания учетной записи вносят большой депозит для доведения приветственного бонуса от казино. Для пополнения работают сразу немного десяткой известных наличных систем. Выбрать удобную валюту, которой сложнее всего будет довольствоваться в онлайн казино.

Промокод 1х Слотс

За пять пополнений баланса, каждого клиента ждет приятный подарили. При использовании промокода “1XSLOTS”, к главному депозиту прибавляется 100%, но не недостаточно 450 EUR. [newline]Также активные клиенты могут рассчитывать и кэшбэк до 11%. Также рекомендуется пристально изучать правила, прежде чем создавать учетную запись.

Рабочее Зеркало официальному Сайта

Как может быть правды, так как всего предлагается софт еще от 100 разработчиков. Представлены поставщики двух калибров, от крупнейших до самых больших и неизвестных. Заявки на вывод расходующихся исполняются в протяжении 15 минут. И комментариях клиенты отмечают низкий порог возле в игру, моментальные выплаты и лишенный обязательной верификации.

1xslots casino зарегистрировано и Кюрасао и полностью лицензировано местной игорной инспекцией. Лицензия Кюрасао — одна из самых надежных и надежных игорных лицензий в мире. Там игрокам не можно беспокоиться, что они будут иметь дело с нелегальным казино. У них все 1х слот официальный сайт документы в плохо, а владельцы со их многолетним опытом работы в отрасли хорошо разбираются и действующих правилах. Частности выдачи лицензий на казино, правительство Кюрасао контролирует случайность игрового процесса и юридическую документацию онлайн-казино.

Регистрация И прохода В Казино 1хслотс

Для качестве рассмотрим регистрацию по номеру в 1xslots. В списке отсутствуют бренды, которые специализируются …

August 20, 2021 Miracle

General

Stock Trading Advice on Risk

Here is some stock trading advice on risk. As a trader you need to understand that there are three general categories of risk: Market risk, investment risk, & trading risk.

Market Risk

Markets rise and fall and that is pretty much outside of the stock traders control. But you still need to understand how you can mange that risk as a trader.

Inflation risk is a risk that most traders don’t think of. Nonetheless it is worth stating. It is more a risk if you do nothing i.e. you do not invest or trade. Leaving money under the mattress will actually cost money, if not invested, as inflation eats away it’s value.

Liquidity risk relates to how marketable your investment is. If you are restricted from buying or selling a stock because it is quite scarce you run the risk of not being able to enter or exit trades at the prices you would wish. This mainly applies to small or microcap stocks.

Investment Risk

Opportunity cost risk means that whenever you invest in a particular stock you have tied up capital that you cannot therefore invest elsewhere. This may sound obvious but bear in mind that hanging on to an under performing stock may have the additional cost of missing a better opportunity.

Concentration risk is similar in that you may be tempted to invest everything into one or two stocks. Fine if they are winners, not so hot if things go wrong.

Trading Risks

There are risks associated with that act of stock trading itself.

Slippage risk is the often forgotten costs of the trades themselves in broker commissions, etc. Frequent day traders often find themselves in a losing position based purely on the amount of commissions paid to trade apparently successful positions.

Poor Fill risk can arise through many factors but simply means that your broker was either unable to fill your trade order at the price you wanted or unable to trade at all.

Be aware of these risks when stock trading. In some cases they are out of your hands but awareness and management of these risks will make you a more successful stock trader.…

August 20, 2021 Miracle

General

Tips For Understanding Home Improvement In Today’s World

Home improvement projects are considered interesting by many people. Everyone wants their home to look great; however, undertaking a large improvement project can be overwhelming. If you review the helpful advice offered below, you’ll be much more confident and better prepared for a smooth home improvement experience.

If you have the available funds you should choose real hard wood floors rather than laminate. Real wood can be refinished, but laminate cannot. Years from now, whoever owns the house will need a brand new floor.

When it’s finally crunch time and you need to replace the shingles, find a good, light color to prevent high levels of heat. Lighter colors reflect Home Repair the sun more efficiently, lessening the build up of heat in your attic. You will be able to reduce all of your monthly energy bills by doing this.

Without much decoration and personality, simple lamp shades are sometimes very boring. Get cheap stencils at the crafts store, an ink pad or acrylic paint, and try dabbing the designs around the shade. This will give your rooms some personality, taking away from the reality of how boring an ordinary lamp shade can be.

Give vinyl flooring a shot to get rid of any bubbles. Bubbles in vinyl floors are easy to slice open to get rid of the air. This can flatten that bubble at least on a temporary basis. In order to permanently repair this part of the floor though, you are going to need to put an amount of fresh glue in. Glue, prepackaged in syringes, is perfect for this job.

As you can now see, home improvement does not have to be a difficult task. Every project you tackle helps you improve your home, but it also helps you gain experience by learning something new. Just make sure that you follow the tips provided to you in the article above. They can make all the difference once you decide to start improving.…

August 16, 2021 Miracle

General

Should You Try Property Investment?

In terms of property investments, there are plenty of ways to put your money into bricks and mortar. How effective are those ways, though? Are the usual approaches to this sort of speculation badly designed, and unlikely to net you a meaningful profit? Certainly, problems exist with this model of investment. For example:

1. Buying a house has extra costs. The price of the apartment block, house or other property might seem reasonable, but have you factored in stamp duty? The cost of agents and solicitors? The price of searches and surveys? Even though many of the results are meaningless to you, every cost of buying a house to live in still applies when you are buying to sell on or let.

2. Renting has extra costs. It isn’t as simple as sitting back and letting a rental income flow in. You’re a landlord now, and that means you have both responsibilities and costs. You’ll need to pay the utility bills, as well as the cost of any repairs or renovations. You’ll need to pay a management company to collect the rent. You might even have legal fees to deal with in the event of problems with a tenant.

3. It takes effort. If all of that sounds like a great deal of trouble to go to, consider what you might need to do if you’re buying somewhere to refurbish and sell on. You’ll need to find building contractors, supervise the work, pay for materials, deal with delays and cost overruns, ensure that everything is completed to the correct standard… and that’s before you even start thinking about selling.

4. Once you do, yet another set of fees from agents and solicitors hits you. Plus, there is the time and effort involved in finding a buyer, which may involve having to reduce the price you are asking for the property several times.

5. Overall, therefore, there is the potential for things to go bad very quickly. The worst part is that schemes designed to protect you from problems, such as negative gearing ones, often don’t work quite as well as they seem to. Negative gearing, in particular, only works while the market is rising, and can actually end up costing you more when conditions are poor.

All of that probably sounds like an attempt to put you off speculating in property for good. It isn’t. What it is, is a warning against putting your money into more traditional approaches without the proper thought. You are committing a great deal of money, and potentially exposing yourself to dangerous losses, so you need to be sure of what you are getting into, and whether it is the best option for you.

Other options do exist beside traditional property investment. NSW offers several opportunities to put up money in a much less active way, acting simply as the provider of finance rather than as an involved property manager. If the hidden costs and effort of other methods don’t appeal to you, you might find that to be a better option for your needs.…

August 14, 2021 Miracle

General

The Ostrich Error

Have you ever avoided addressing a topic because you were afraid of finding out the real answer? Use the example of getting an annual physical – some avoid taking the time to visit their doctor and have diagnostic tests run because they don’t want to face the fact they’re overweight or haven’t kicked a bad habit. But as your doctor would probably tell you, the longer the problem continues, the harder it is to fix. Worse yet, you think you’re fine but have not given yourself the opportunity to address obvious warning signs. Rather, you use the defense mechanism of an ostrich and “stick your head in the sand.”

Take a peek, you may be better off than you expect

In financial management, acting like an ostrich is rarely the way to achieve financial success. Most importantly, it’s not a wise strategy since your lifestyle and future happiness are at stake. Rather than hiding from your financial situation, if you pick your head up and out of the sand and look your finances right in the eye, you’ll probably discover one of three things:

I am okay and should keep doing what I’m doing.

I’m not okay, but if I change certain things, I’ll be okay.

I’m better off than I thought I was, and I have more options and flexibility with what to do with my life and my money!

Just as with your personal health, if you have a financial problem (not saving enough, spending too much on real estate, etc.), there will be warning signs that a wealth advisor can uncover and help you reset the course. Having a financial plan can help determine where you stand today, if you’re on track to achieve your future financial goals and what actions you need to take to stay on track. For example, what if one of your goals is to retire in 10 years, at age 65? If the results of the analysis come back to show you could have retired two years ago, wouldn’t you rather know that now than spend another 10 years attached to your Blackberry?

Making financial decisions with an extra pair of eyes

If one of your goals is to sell your business to create liquidity for retirement, probability analysis can model the impact of selling at a certain price and whether that would leave you enough to live comfortably for the next 30 years. Knowing these types of answers can help you more confidently make wise financial decisions, especially those that are major, life-impacting ones.

Uncovering what the answer is today is not enough. Life changes, personal and economic circumstances change, and opportunities will continue to present themselves. Adjusting your financial roadmap along the way is necessary, and partnering with professionals who can help guide you can make your experience with financial decisions less overwhelming. After a while, your financial strategy may become less about having enough for yourselves and more about understanding how much you can pass along to the next generation or your community, both now and projected into the future.

These are still answers you need to uncover so that you can make solid estate and charitable planning decisions – especially if you want to be sure you’re using your wealth effectively.

Tomorrow is not promised to anyone, but taking the ostrich by the neck will likely allow you to make well-informed decisions with your money, sleep better at night and hopefully enjoy your life more as the fear of the financial unknown is gone.…

August 12, 2021 Miracle

General

Whatever They Say, Gold Is an Investment

You may be tired of seeing these one-track-mind investment ‘gurus’ lecturing you that gold is not an investment because its money, just as they are always spouting off about your house not being an investment because its your home. What utter nonsense. money can be an investment, and as you know, many property owners were fortunate enough to sell their houses in the boom and downsize or move to a less expensive area. If that was not an investment, I don’t know what was.

The rationale for saying gold is not an investment is the claim that gold is money. Yes, I won’t disagree with that….. but if you’re holding a piece of ‘money’ which has purchasing power increasing over time, that just has to be a good investment. You can look at it another way as well. The cash in your pocket or bank account is losing its purchasing power, while gold and silver are increasing theirs and buying you more goods. If gold is money, this money is increasing in value.

Even money can be viewed as an investment. Take the last 10 years in the Japanese economy. People in such a deflationary environment tend to save just when the economy needs them to spend. And the reason they save is because their money is increasing its purchasing power when deflation reigns. They believe holding on to their money gives them more purchasing power when they need it.

To be honest I’m not going to get pedantic about whether the gold we hold is money or an investment. For the past 10 years gold has increased in value against all currencies. Perhaps we could call it a liquid investment

The other determinant of whether gold is money or an investment, is how you, the owner of the gold, looks at it. Do you keep that gold bar under your bed or in the bank vault with a view to selling it when the price of gold doubles, or have you bought it as insurance to keep you alive when the currencies collapse and there are riots in the streets? How you view your gold holding determines what it is to you.

Just to carry the analysis a bit further. You may hold 2 bars of gold, one to sell when the price shoots up, and one to keep in case of emergencies. This would mean you were holding an investment and an insurance policy.

However you view your gold, it looks as if we are approaching another buying opportunity in gold and silver. Right now the gold price is just a fraction below the 23.6% Fibonacci retracement line. If gold continues to fall on Monday it could end up at $1230 or if it retraces down to the 50% level could end up around $1270 before reversing the short-term downward trend. Either of these levels are good points to start accumulating your gold holding/investment! Gold Report…

August 7, 2021 Miracle

General

Sheen of the Yellow Metal

Gold needs no introduction – a cherished commodity and preferred investment, especially in turbulent times. It is more of a long term value proposition, rather than a short term profit making tool. Since, the global economy hit a roadblock in late 2007, gold has seen a surge in demand as an alternative investment channel. Over a decade spanning from 1999 to 2008, gold yielded approximately 235% – 240% of returns! However, the shorter term stocks markets may appear glossier, yielding quick returns on the back of frenzied activities and economic boom. The same markets are most volatile and often ‘sentimental.’ Fairly matured stock markets readily mirror fundamental strength of the economy, yet react to news and often, half-baked information, at the blink of the eye. Gold, however, is more stable in terms of returns, more so because its demand does not nosedive to naught, at any point of time. It is not only an investment, rather a traditional precious metal for various cultures across the globe.

For instance, Middle Eastern Countries, Indian Subcontinent, and Eastern Asia seek gold for its religious value, more than its investment value. Overall, Middle East is the biggest consumer of gold, followed by Asia. Indeed, gold prices fluctuate like any other commodity – sometimes skyrocketing and sometimes supporting at moderate levels, yet, it ensures much better returns in the turbulent times. In fact, in a shaky economy, where stocks slide, currency looses value, and businesses shy away from expansion, gold prices run high as it provides a safer haven to the hard earned money of investors.

Determinants of Gold Price

* Demand

The demand for gold has seasonality because it finds traditional and religious use, apart from investments. Predictably, the demand is higher during festival seasons, including marriage seasons. According, to the World Gold Council, the demand for gold is highest in the last quarter of the year, due to the simultaneous peak season in various regions.

* Rate of the US Dollar

The benchmark gold price is denominated in terms of US Dollars and therefore, is inversely proportional to the prevailing Dollar rate.

* Government Transactions

According to an estimate, the Central Banks world over, have almost 20% of the mined gold in their reserves. These banks adopt measures for regulating gold prices, similar to those used for inflation control. This affects domestic prices.

* Alternative Investment

Gold has ever been an effective alternative investment and protection against a bumpy economy, due to the stability of its returns. Therefore, it gains momentum in recessionary times.…

August 3, 2021 Miracle

General

Home Buying Tips – Understanding How to Buy A House To Flip For A Profit

Here are some steps and tips you will want to follow in order to avoid common mistakes most investors make when buying a house to flip. Remember it’s all about the numbers!

1. When flipping a house, the goal is to make money! The money you make from the house is made when you actually buy the property and you cash the check when you sell. Therefore, each part is very important!

2. Be sure to see the inside of the home – This is the step that you can not AFFORD to skip. When writing a contract on the property, it is imperative to write in an inspection period for as long the seller can stand, that way if something goes wrong you are protected.

3. Outsource the work: – Your job as an investor is to analyze deals and figure out your exit strategy to make a profit. You should delegate all other work to your team so you have more time to do the highest priority activities that generate the most cash!

4. Market Value Rule: This rule is simple. When flipping a house, it is important to place the house for sale 1-2 percent below the market value. Don’t be greed or fearful, simply have a mindset that you want to help people out, instead of “what’s in it for me.” You always make more money this way and when a problem or delay arises you are ready.

5. Have an agent – A good agent that is investor friendly can be hard to come by but once you find that perfect one you will see it is worth more than gold! The resources that agents have available to them are great, be sure to treat your agent well and your golden! You are an investor; DO NOT try to sell your own house. Use your time to find other houses to invest in. Allow your agent to take care of all the details around the selling of the house.

Keep these steps in mind as you look to flip properties for a profit and you will be successful. The most important thing is mindset, no matter what is around you always believe that you will make a profit. The profit might not necessarily be in monetary form but as you gain experience you will realize things that will help you in the future. Build a great team and relationships and trust me there is no way to fail!…

July 29, 2021 Miracle

General

Best Investment Opportunity Today

The best investment opportunity for 2012 and 2013 could be stocks, but any bond investment is suspect at best. With even the best safe investments paying zip it’s important to look for investment opportunity elsewhere. How about an investment in real estate that requires no time, effort or management on the investor’s part?

Real estate is the best investment opportunity for 2012, 2013 and going forward because it’s selling cheap. Interest rates are at historical lows, which is also great for investors buying properties. Record low rates are very BAD for bond investors, because bonds pay a fixed interest rate. In fact, when rates do go up – bond and bond fund investors WILL lose money as bond prices (values) fall. That’s the way bonds work.

As an investment opportunity stocks and stock funds are the wild card. Stocks could go up in value as bonds fall: that’s the way it has worked for many years now. But stocks are not cheap… having doubled in value between early 2009 and early 2012. Gold is not cheap either, having been on an up trend for more than 10 years. This leaves real estate as the best major investment opportunity available to the average investor.

Opportunity in real estate is everywhere in the USA for 2012 and 2013. The problem with investment here for the average person: management and a lack of liquidity. Someone has to deal with the day to day operations; and you can’t buy, rent and sell a property investment quickly and easily without significant costs. Or, can you?

The best investment opportunity is staring you right in the face if you know where to look, and it’s designed to solve these problems for the average investor: real estate stock mutual funds. These are the best investment opportunity for the average person who wants a piece of the action in his or her portfolio. No active management is required on the investor’s part, and you can buy today and sell a day later if you want to.

Professional portfolio managers make the investment decisions for you.

If you know which mutual fund companies to invest with your real estate mutual fund investment can also be a BEST BUY. No charge to buy or sell, with less than 1% a year going to pay for management expenses. That’s why I call these funds your best real estate investment opportunity for 2012 and 2013 and beyond. These funds hold equity (stocks) in companies that invest in the likes of office buildings, other rental properties, shopping malls, and home builders.

When you consider your choices, real estate stands out as the best investment opportunity going forward. Your best way to invest is in no-load mutual funds that specialize by holding investment trusts that own commercial properties diversified across the USA. To find your best deal search for “no-load real estate mutual funds” on the internet.…

July 26, 2021 Miracle

General

Triple Diamond, Solitaire, Or Non-Traditional – How to Choose the Perfect Engagement Ring

Solitaire – Classic And Timeless

Many people immediately think of the solitaire when they think of an engagement ring. These rings use one single stone on a simple band. The stones can be nearly any size or cut, such as round, princess, trilliant, marquis, pear and heart. However, the most traditional and classic version is a round brilliant diamond on a gold or platinum band. If you want a little more sparkle, consider a wedding band or wrap with diamonds or other gemstones.

Solitaires come in a wide range of price points so there’s sure to be a ring for any budget. Smaller diamonds that aren’t graded or certified by the Gemological Institute of America will be less expensive, but can still have the same sparkle and fire.

Triple Diamond Rings Renew Your Love’s Energy

Triple diamond rings are gaining popularity as more and more couples want the energy and sparkle that comes from multiple stones. These rings typically have one larger center stone that’s flanked by two smaller stones. The diamonds can be all the same cut, but the newest trend is to use different cuts for the two smaller stones. Popular rings can have a princess cut center stone flanked by two trilliant stones or a round center stones flanked by two pear shaped stones.

These rings can be set in white gold, yellow gold or platinum. If you choose gold, it’s a good idea to make sure the stones’ prongs are platinum since platinum is stronger and will handle everyday stress and wear better.

Nontraditional Rings Show Off Your Individual Style

Although diamond engagement rings are the most common, a ring doesn’t have to contain a diamond. Some women prefer to show off their style and individuality with a colored gemstone such as a ruby, emerald, sapphire or other stone. Some of these rings take their styling from the triple diamond rings, but use a center diamond and two colored gemstones to show off the center stone’s energy more effectively.

There’s no right or wrong way to wear or give an engagement ring, as long as your proposal comes from your heart. Your choices are limited only by your budget and your personal style, so don’t be afraid to shop around – after all, this is a ring you will both look at for the rest of your lives. Whether you’re looking for a solitaire, a triple diamond or an nontraditional ring, you can be sure she’ll say yes if you find one that matches your future bride’s personality and energy.…

July 24, 2021 Miracle

General

5 Tips For Investing in Apartment Complexes

If you are looking to get started investing in apartment complexes, you are in good company. Many investors before you have built great wealth by investing in multifamily properties – and you can too.

Here are a few tips to help you get started:

#1 Start With Your Investment Goals First.

“Begin with the end in mind.” Many investors make the mistake of going out and looking at properties, and buying “just to buy”. I can understand their excitement about getting started investing in apartment buildings, but the best way to start is to identify your financial goals first.

What do you want your financial picture to look like in 1, 3, 5, and 10 years? What kind of net worth do you want to have? How much cash flow? Which is more important to you – cash flow today or large gains 5 years from now from turning around a property?

The most important thing here is to be realistic. While it is true you can make big gains investing in apartment buildings, be sure that you are being realistic in your goals.

#2 Determine Your Property Criteria.

This is somewhat tied to, yet driven by #1. Begin by answering some basic questions.

Will you be an Active Investor or a Passive Investor? Do you want to manage the property, or have it professionally managed?

Are you looking to form or possibly join an investment partnership to purchase a larger property? Or perhaps you would rather purchase a smaller property, such as a duplex or 4-plex in your own area. Again, there is no right or wrong answer, as long as you are true to yourself and how much time you have to be involved with the investment.

#3 Get Some Basic Education.

Whether you are going to join an investment group and let someone else “hold the reigns” or do thing on your own, start with some basic education.

Invest in yourself first.

There are plenty of good courses and books on investing in apartments and commercial real estate. The worst thing you can do is buy some and never remove the shrink wrap. Take the time and effort needed to study, but know that the learning never stops. You will learn from each and every deal you close.

#4 Take Action.

“Go forth in spite of your fears.” Look we are all a little bit nervous starting out in any new venture. In fact, it can be very exciting – but do not let that stop you.

Take the time to go through #1-3 above, but also take action.

Don’t get bogged down in studying or over-analyzing. Once you have studied a little bit and are working with either an investment partner or broker, you will start to pick up on things. So take action after some time, and get your feet wet on a smaller project or a smaller investment with a group.

#5 Keep Going.

Once you get started, keep going. No one ever got rich off a single duplex or one investment partnership. It is the combined efforts of moving forward on a number of projects that will build your wealth over time.

These are just the basic steps in getting going. By no means can I cover everything you need here. However, if you get started in this order, you will be headed in the right direction. Start out with your financial goals first. Have fun with it and keep moving forward.…

July 20, 2021 Miracle

General

Infinity Downline – Review

What is Infinity Downline all about? Are the products in demand? Are the compensation claims realistic? What are the drawbacks?

Infinity Downline is a business opportunity designed to attract those people who want to get into business for a very small investment and still have a chance to make a reasonable amount of extra money every month. It’s a very new program, started in early 2009, which always raises questions about longevity. It’s a bit difficult to determine how the administrators of the program are making their money. Remember that they must make money, too, or the opportunity could fail. The product line, all digital, seems very reasonable for the price.

The products are audio and video teaching and instructional sessions for almost anything you can think of with respect to working with a computer, on the computer, or on the internet. If you have some ability to get on-line, and you want to focus on this opportunity to make money, you’ll want to concentrate on the sessions devoted to marketing on-line.

I don’t think the compensation claims for Infinity Downline are overblown compared to the investment. The investment is $25 a month. The fact that you get a 100% return on that investment with you first recruit means that you are in the black as soon as that occurs. However, you need to acquire a significant number of people to make a really good income. That is done not only by you but also because each of the recruits that you keep (The 2nd and 4th are passed up.) also have to give you 2 recruits to be qualified.

The biggest drawback is recruiting. Once you run out of family and friends, either the 3 foot rule comes into play, or you better learn how to market. My suggestion is to learn how to use the internet for that. You don’t really care whether the person you recruit lives next door or half-way around the world, do you? So, whether you decide to go with this program or something else entirely, I have to recommend you concentrate on internet marketing.…

July 16, 2021 Miracle

General

How Do You Get Rich From Real Estate?

The best thing about real estate is that there is no one answer to that question. The industry and the business is so diverse and ready to profit from, it’s always an exciting time to get started in property investment. It doesn’t matter if you don’t even have a deposit saved – it’s just a speed bump in the awesome world of property.

Don’t let a little thing like lack of money get in the way of starting to invest in property. Most issues can be worked around with a bit of creative thinking, negotiation, knowledge and honesty. If you’re anything like me you’ll feel a little surge of adrenalin, a rush of excitement when you think about a little property deal you saw recently, or heard someone talking about. In the same way you’ll also be feeling pangs of distress and regret when you see people sealing a gem of a deal.

Why don’t you get involved? Get yourself some knowledge, learn the ropes of the industry, know the characters, how they work, know the system, and then insert yourself into the market. You’ll never, ever look back. Since beginning my family’s investment journey, no investment product, strategy or type has been as exciting, downright fun, and also profitable as real estate.

So getting back to original question – How do you get rich from real estate? The answers are all around you, you just probably can’t see them because you don’t know the industry yet. Or maybe you do, but don’t have the funds to get started. Or maybe it’s both… whatever, it doesn’t matter. The exciting thing about real estate investing is that you can get started tomorrow – but why wait – get started today – with a few handy tools in your property investing toolbox.…

July 10, 2021 Miracle

General

Brief Introduction To Spread Betting

Financial spread trading, also referred to as spread betting offers investors a tax free instrument to speculate on financial market movements whether they are rising or falling. It also allows for the trading of commodities, indices, currencies, precious metals, bonds, as well as equities all from one account. This is a derivative product which in simple terms means that the prices you are trading on are derived from the underlying product. The actual spread will be the difference between the price you buy and the price you can sell at.

When the trader is ready to place their bet or position they will go long or short depending on what they feel the market will do next. If the market movements are in their favor then they will profit; if the market movements do not go in their favor then they will lose.

Spread betting makes use of a margin (Initial Margin Requirement); the investor will only need to deposit a certain percentage of the actual position, which is set by the broker. By using this leverage the traders opening deposit will allow for more exposure to a larger portion of the underlying market. For this reason a trader can actually incur losses which will be over their initial deposit.

To safeguard the capital within your account it is very important to create your stop loss or stop win order. A stop loss will close the position automatically as per the order when at loss. A stop win does virtually the same as the stop loss except when in favor.

In financial spread trading the bet can be made as a ‘Daily Bet, ‘Rolling Bet’ or ‘Contract Month’. When opening a daily bet it will close at the end of the trading day which it was opened. A rolling bet does not close at the end of the trading day, however rolls into the next trading day. The rolling bet will incur additional finance fees, so it is important to check with your broker for costs. The contract month bet is one that is opened and will close at the date specified and can be open up to three months.

In closing, if you are new to financial spread trading you must make sure that you understand the many factors and terminology involved. Be sure that you fully understand leverage, margin trading, stop loss orders, as well as know the market you are opening your positions in. Know when your position is expiring and watch for latest announcements that could cause capital loss, and finally understand the fees which you may incur.…

July 5, 2021 Miracle

General

Why Relative Strength Investing Produces Winners

The differences between relative strength and momentum investing are substantial yet many investors confuse them or even think they are identical. The same can be said for making investment decisions based solely on charts instead of comprehensive technical analysis.

Michael Carr defines his book, “Smarter Investing in Any Economy”, as the definitive guide to relative strength investing. Anyone wishing to learn about relative strength investing in depth and how it can be applied in various ways should read Carr’s book. However, the basic concept of is not simply to buy a stock (or ETF or Mutual Fund) that is moving up in the markets but to buy one whose strength is greater than the others.

Momentum investing is simply buying what is going up and selling when it goes down. This is the basis for most charting software and investment decisions based on looking at charts.

Relative Strength investing involves calculating the difference of the momentum of an ETF versus other ETFs and an index or benchmark like the S&P 500. While a chart can be created for any particular ticker symbol versus the benchmark, the important factor is how does each ETF relate to other ETFs? The answer shows the relative strength of each symbol to others within any particular group or universe of symbols.

In other words it’s like comparing horses at the Kentucky Derby. We know that every horse on the track can probably run faster than any other horse in the world; so each horse’s momentum is greater that my neighbors quarter horse out on the range. But picking the winner is just like buying based on Momentum alone. Yes, they are all winners, but only one is going to be The Winner, and only a few are going to bring home any prize money.

On the other hand, RS investing says that a particular horse’s speed is greater than the average horse and also is greater by a specific amount than every other horse on the track. And if you know the running speeds and durability factors of each horse (or each ticker symbol) you can bet on or buy the most likely winner.

This sounds complicated, but it doesn’t have to be mind boggling. There are formulas for calculating relative strength. In fact there are a variety of relative strength formulas and while you can tediously do this in a spreadsheet the easiest way is to use a software program that performs technical analysis that includes Alpha or simple Relative Strength Momentum.

A great way to use RS analysis is to combine it with momentum and selling rules so that you get the best of these worlds. A software program that offers all three aspects will include:

• Alpha or relative strength analysis

• A variety of charts

• Selling rules

• Ability to adjust the analysis to fit your buying goals and time frame

• A melding capability of the analysis, charts and selling rules

By blending momentum with RS investing you will be more likely to buy the winners and also more likely to sell and preserve profits while minimizing losses.…

June 30, 2021 Miracle

Year: 2021

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