Best Investment Opportunity Today
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.…
Triple Diamond, Solitaire, Or Non-Traditional – How to Choose the Perfect Engagement Ring
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.…
5 Tips For Investing in Apartment Complexes
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.…
Infinity Downline – Review
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.…
How Do You Get Rich From Real Estate?
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.…
Brief Introduction To Spread Betting
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.…
Why Relative Strength Investing Produces Winners
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.…
Simple Tips For Property Investments
Simple Tips For Property Investments
Property Investment is probably the fastest way to increase your money these days. Instead of keeping your money safely locked up in a bank account, invest it in the real estate and you will be amazed at the returns it reaps for you. Like any other forms of investment, there are risks involved here as well, and you may have to endure a few losses in the beginning to learn the ropes of right investing. All you have to do is to keep certain basic points in your mind, and you will a big time investor soon enough.
Start Small: Until and unless you are absolutely confident regarding the decisions you are taking regarding your investment, it is advisable to start small. Invest in smaller amounts first, and make sure you are bringing in the profits. With the right moves, you may soon get to know the trade, but you should also remember that one wrong move and you may have to endure losses which are enough to set you back for a few years at a time, and it may take a long time to recover.
Market Conditions: Although the market conditions may not play a direct role in property investment, it is still necessary to keep a lookout. An upheaval in the financial world will not be as devastating to property investments as to the stock exchange, but it can cut off people’s income, their spending power decreases and prices start going down. A general overview is a must, whatever may be the amount of your investment.
Location: This is the keyword in property investment. You may have built an accommodation which may seem right out of the dreams, but it will indeed remain only a dream if your intended customers find that it is situated miles away from places like their workplace, their children’s school and the doctor. If that indeed is your intention, then along with the property itself, you will also have to built all the auxiliary units like a general or departmental store, a drugstore, school etc. Again, the requirements for locations of a residential and a commercial property will be complete different from one another.
Tax and Legal Advice: These are to be taken care of right at the initial stages. You have to be fully aware of the tax laws and the property laws of the state in which you are planning to make your investments. Meet with a professional tax consultant and a real estate lawyer for full details, because once you get involved in the red tapes and legal formalities if there is anything amiss about your project, chances are that it may be stalled for an indefinite period of time, and you will have to bar all the extra costs for the delay.…
Basics To Financial Managment – Return On Investment
Basics To Financial Managment – Return On Investment
Due to poor financial management, many people find it hard to improve their chances of getting richer. This brings about the need to change many people’s mindset about finance, like how defects have to be fixed in leaking ships. Because of this,, the article was written to provide more knowledge on the field of managing finances well.
In the area of finance, people ought to know 1 single term very well and that is return on investment (ROI). This is because ROI is income that can be taxed the least but is most beneficial to you. For example, in earned income, you are always taxed at the higher tax brackets in income tax whenever you earn more.
However, if you invest in real estate, there is tax incentive called depreciation which looks like loss on financial statements but actually creates phantom deduction to shelter rental income. Also, investors can offset other income with passive loss from property up to $25,000 if you or your spouse qualifies as a real estate professional.
In addition, property may even be appreciating in value even though the tax man allows investor to claim that it is shrinking in value through depreciation deduction. Thus, for people who do not invest, you are actually getting punished by more taxes than those who invest and if you want to invest, you must know ROI at your fingertips.
To me, there are 2 types of ROI and they are internal rate of return and external rate of return. Basically, internal rate of return (IRR) means ROI without considering macroeconomic factors like taxes and inflation. In financial terms, it would mean a ROI that assumes all the income (passive/cash flow) you receive is immediately reinvested so that you would be getting a return on that money as well.
For example, rental income you receive from a property is immediately used to buy a stock that pays you dividend of 5% per year. Here, as macroeconomic factors like inflation and taxes are not considered, your internal rate of return will be 5% if you perform the above action.
However, while internal rate of return is important, external rate of return is actually a more reliable tool to gauge your total returns from an investment. Simply put, external rate of return (ERR) is ROI gained or lost because of indirect effect product has on taxes, insurance costs, inflation and opportunity costs.
Here, its importance lies in the very fact that it takes into consideration factors that are not immediately quantifiable or cannot be quantified. Thus, it is vital that we include both internal and external rate of return in any financial decision we make as it provides a more holistic approach to managing our finances by considering quantifiable and non-quantifiable factors. Here, always remember that IRR+ERR=ROI.
To make things clearer, here’s an example to illustrate how you can apply IRR and ERR even to your daily life. In many people, hand phones are a high expense and so to increase IRR, you sell it. However, remember that the hand phone also gives you convenience (not quantifiable) and because of your sale of it, ERR becomes negative and as a result, you gain a negative ROI instead of a positive one. Given this example, I hope readers will be able to practice financial prudence using ERR and IRR in your daily lives.
In conclusion, after covering the aspect of return on investment in financial management, I believe readers have gained a very clear understanding of how important it is to invest and also the right approaches to do so. Now, use what you learnt well and take action!…
Fee For Service Advisors – What You Should Pay?
Fee For Service Advisors – What You Should Pay?
How much it is going to cost you? How you will be getting paid? These are some of the best question that you should be asking any planner or adviser that you are interviewing for the job. That is very much right. You should always be interviewing the potential advisor so that you can get to know more about their personality, before you actually make an investment decision or while you are considering taking any investment planner recommendation. You need to make sure if the advisor or planner is fully open and up-front regarding their compensation arrangement. You should be making such question which will be providing you with a rough idea about how much they will be shelling out for the services they are rendering for you.
How to Find Required Fee For Service Advisors?
The question here is that how you are going find Fee for Service Advisors when it comes to financial profession. One of the best means to look out for fee-for-service advisors or planners is via the word of mouth. While you are getting a reference from your colleges or a close friend and this is going to be one of the best means to make sure that you are going to find a credible and highly regarded advisor or planner.
You need to keep this point in your mind that the ‘right’ planner is not something being mentioned. Each and every individuals financial status is different from another person and it certainly requires a different and varying level of financial planning. Such families that are young and when they are not dealing with any sort of estate planning or elder care perhaps would not need all-inclusive kind of financial plans whereas it could have been the choice of their parents as per their requirements. On the other hand, the cost associated with different plans is tough to be justified when it comes particularly to a complete financial plan.
One other helpful yet considerable means of looking for a fee-for-service advisor is via the World Wide Web. It is one of such means that can provide you with a large number of choices along with the convenience of looking out from the comfort of being at home. You will be provided with a long list of web portals while you have input the keyword as ‘Fee For Service Advisors’ with your preferred search engines.
Once you have come across numerous applications people around the globe, you can narrow down your search by opting for the ones that fully meet your needs and requirements along with being without your preferred compensation package.…