Trading futures vs options in Hong Kong

Hong Kong is an important financial hub in Asia with substantial trading activity in the futures and options markets. It has become an attractive alternative for many traders due to its proximity, low costs and future-friendly regulations. Hong Kong’s top role in the global economy makes it a good location for hedgers who need access to commodities at competitive prices.

There are some key differences between buying futures vs options in Hong Kong:

Trading Contracts for Difference ([CFDs) or Other Derivatives (OTC)

In Hong Kong, there are no laws regulating retail foreign exchange contracts [including CFDs], which allows many forex brokers to open a subsidiary on the island and avoid regulatory oversight from their country of origin. As a result, these brokers can offer their customers a wide range of derivatives and OTC products.

This may appear to be an attractive prospect at first glance, it is essential to note that these unregulated contracts introduce additional risk into the market. Once you buy or sell a CFD contract, for example, there’s no daily settlement like with futures and options – instead, you will need to monitor your margin requirements closely as the value of your position changes over time.

Hong Kong Futures Exchange (HKFE)

The Hong Kong Futures Exchange (HKFE) was established in 1969 as a non-profit organization that facilitates price discovery and hedging opportunities by issuing futures on several types of commodities such as gold and cocoa beans. These futures provide an excellent way to lock in prices and limit volatility for companies that need to hedge their exposure.

The HKFE has a daily open outcry session where negotiations between buyers and sellers determine the price of individual contracts. During this session, market makers who act as brokers attempt to match buy and sell orders on the exchange floor using hand signals.

The clearing is conducted by inter-dealer brokers who ensure that all buyer and seller accounts are settled every day before the close of trading. This adds an extra layer of protection for both parties in addition to reducing counterparty risk (reducing the chances that your broker goes bankrupt or doesn’t have enough capital to pay you). This clearing model eliminates any pre-settlement risk, which makes it an ideal choice for risk-averse traders who are not yet comfortable with the concept of trading OTC derivatives.

Hong Kong Options Exchange (HKOE)

The Hong Kong Options Exchange was established in 2002 to provide local investors access to Asian stock index options at competitive rates. It operates similarly to the HKFE but has an additional feature called automatic exercise, which means that your position will be automatically closed out if the contract you bought is set to expire within three days. Like other institutional markets, expiring contracts are settled on a T+3 basis, meaning that all transactions must be completed before market close on the third day after they were initiated. The exchange also requires brokers to act as market makers and ensure that all orders are filled before 4:00 PM.

The combination of open outcry and automated exercise makes the HKOE a much more attractive choice for seasoned traders who prefer not to rely on exchange-imposed limits. This also means that futures contracts have a different expiration period from those in other markets, as they can only be opened or closed during sessions that occur once every day at 10:15 AM and 2:30 PM.

Final Word

It is important to note that these contracts do not expire like traditional stock options, which will remain valid until the settlement date. This is a vital distinction to make when comparing them to CFDs, which can be liquidated at any time before contract expiry. While it may seem complicated at first, this flexible structure allows you to trade Asian markets with greater freedom and control over your finances while avoiding the exorbitant fees associated with retail contracts. New traders are advised to use an online broker from Saxo Bank and trade on a demo account before investing real money.

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How to Buy Gold If You Are a Small Investor – Gold Coins Easy to Buy, Easy to Sell

How to Buy Gold If You Are a Small Investor – Gold Coins Easy to Buy, Easy to Sell

Gold is the most known and valuable assets in all societies. If you role down the pages of history, you will find a very fascinating and enchanting history related with gold in human cultures of Egyptians, Romans and Greeks, where they take it as a symbol of wealth, status and power. Afterward, gold became the financial commodity, universally exchangeable in any appearance and became the money in metal form.

There is nothing complicated about buying gold. Do you really think like that? In fact, the idea is off the beam. You need to increase your awareness, because if it is not complicated then it is undoubtedly more attention and time consuming. You need to have an eye for market variation; the vigilant understanding towards the real and fake gold, history of their inflation rates and a bird eye for the right time of buying and selling. You could find different gold prices in different markets, and you have to make a decision for your hard-earned money as to where to invest, what amount to buy, and what should be the price.

Couple of years after the money crunch, year 2010 could be the mount year for gold from its current value. As uncertainty is wrapping around the consumer globally, and dollar price is not holding its pace, rather slipping down in minutes, the chances of gold price towards the 25% inflation is more predicted. Considering that, as a small investor, you could be able to invest securely.

Well, if you are already out with your buying capacity, you must have seen yellow coloured precious metal into different shapes, sizes and weights. Now, it is the time for careful decision for your hard-earned money. You have to look for the gold shapes into the list for your top option. You may find gold in a physical form like big gold bars, which is not easy to keep away from theft. It might be your first choice or you may choose a more convenient shape to get hold confidently.

From the small investment point of view, your first step should be the choice of careful amount of gold which you plan to pick up from the market, because before understanding the market flow and behaviour, it is not recommended to invest into a larger sum of gold as a small investor. One of the best suggested ways, as a small buyer, is to buy gold coins. However, you must have many other choices in hand and lots of advices from people around, but being a house wife, shop keeper, or 9 to 5 employee, gold coins will be the most suitable way for you in your crisis times. You can keep your investment intact by purchasing gold in coin shape, because in times of emergencies you can sell them as per requirement rather selling the whole gold bar with more tensions.

Currently, you are following the best trail in investment category, which will benefit you in the future, because the price you are paying for their purchase will not remain the same at the time of selling. As the market fluctuates, the prices of gold eventually go up and down, with the current political and economical condition around. Confidence, trust and effort are the keywords for any business, and what could be better than playing with gold. So play with it, preserve it and enjoy the possession of it and feel the sense of security and wealth.…

A Ripe Cash Flow Rental Real Estate Investment Plan – Buy Now! Earn Now! Avoid Risk Now!

A Ripe Cash Flow Rental Real Estate Investment Plan – Buy Now! Earn Now! Avoid Risk Now!

The real estate implosion that caused the financial crisis has created superb opportunities for investors. This article focuses on the very hard hit condominium and townhome markets. These markets enjoyed extreme appreciation during the boom that have been met with equally extreme devaluations post that period. Coincidentally, these are often the best rental assets. Because of the devaluation and rental quality of these homes, equity investment in these assets offer very good cash flow value. This article describes a plan to accomplish this for very small investors.

Before jumping into the plan, why will condominiums and townhomes be strong properties? There are several demographic factors that support this conclusion:

Baby Boomers are entering their senior years where rentership rates are greater.

Baby Boomers families are leaving home creating demand pressure for smaller home floor plans.

Echo Boomers are entering their prime renting years.

Demographically 72% of new households for the next decade will be minority led creating additional renter demand over past periods.

Increased credit requirements for homebuying will add to future renter demand.

The financial crisis has undermined consumer confidence in homes as a wealth repository further increasing renter demand.

With the demand factors established, what is the plan?

Working with an investment club developing ongoing rental real estate opportunity for participating members can provide a structured investment platform. The operating elements of the plan will be:

Professional management and leasing at approximately 8% of revenues,

A general partner / managing partner equity share,

Low leverage to no leverage initial purchase,

Low leverage through the life of the investment,

Strong operating and capital reserves,

Long term hold,

Immediate cash flow distribution,

Full tax and account reporting to investors quarterly,

A quarterly investors call to review the assets

The investment entities can invest $100,000 to $500,000 per asset based on a 10% expected immediate cash on cash performance (in the form of equity pay down and cash flow). Capital reserves and asset management fee will erode the return about 2% to 4% initially. Through shortsale and owner distressed sales, opportunities of this nature are available on the market now. Additionally, with the federal government incentives to complete and changes to the short sale regulations the number of opportunities is likely to increase.

The process for this investment will be:

Post the detailed business plan.

Post an investor subscription document.

Provide a brief investor qualification document.

Provide a funds release agreement.

Provide the management agreement.

Establish conference call standard agenda.

Hold investor conference calls as opportunities are identified and placed under contract.

Hold pre closing conference calls.

Hold post closing conference calls.

Hold quarterly portfolio investor conference calls.

Distribute quarterly financial reports.

Provide quarterly distributions (unless unforeseen expenses dip into reserve. Reserve maintenance will be the first priority.)

Hold other calls as needed by the investors.

File year end reports and taxes.

Provide year end K1s to all members.

With these items in place, investors can feel secure about the safety of their investment, clear on the operation of their assets, and informed on the financial progress of the assets. Start building your portfolio now by acquiring in partnership with other investors residential real estate.…

Transparent Stock Trading

Transparent Stock Trading

Today people have become money oriented. The more they get, they start looking for ways to invest in some proper ways with the hope for some future earnings. Their outlooks have now broadened and they don’t even fear investing in opportunities that take some time to develop for example something like the stock market.

Stock market is a public market for trading of company stock and derivatives at an agreed price. Therefore having a share of common stock means ownership of the company and this entitles the holder to claim on the profits of the company it generates.

In the early days stock market used to be the club for the brokers and rich people to make money because a little fluctuation in the stock price didn’t hamper their business much. But with the advent of internet, stock trading has opened up more to the public than ever before. Today any common man with a good advisor can give a clear understanding about the cost of investment.

A good stock analyst would always advice to go for the stocks of a good company at a reasonable price rather than buying the stocks of a company that is undervalued in the market. Therefore when an individual is ready to invest his money in the market it is very crucial for him to know the history of the company. In other words stock price is the reflection of the company.

In the stock market today the definition of a good company doesn’t stand itself just with its high quality product, rather it describes a company that has persistently been able to overcome its diversity. A company can create great stock by giving reasons to its investors that it will deliver great results and attract sufficient investors which will enable the growth of the money of the investor.

Stock trading is all about buying and selling of the stocks in the financial market. As common myths about the stock market always arise it is very essential for the investor to have a realistic view of the stock market. A new investor’s speculative decisions regarding stock trading has the maximum chances of losing his money.

To end up with a good result in stock trading, it is very essential to follow some simple steps as guidelines to be on the safer side in the stock price fluctuating period. An investor, whether new or old, must educate himself about the basics of the stock market. He needs to understand the terms such as commission structures, basic technical analysis, fundamental analysis and the generic stock trading terms. Apart from this he should treat the stock trading as a business and be in the position to manage his risk. The most important of all is that he should not be influenced by the masses.

For any new investor in the market it is always advisable to go with some reputed stock related websites that deal with trustworthy financials, transparent and never hype their stock in the press release.…

What Is Investment Immigration?

What Is Investment Immigration?

In order to live in the United States you need to have a green card but before you can obtain a green card you need to fill out the appropriate visa form first. One such visa to apply for is called an Investment Immigration. This type of visa will give you permission to come to the U.S. and invest your money in a business. You will need to invest around one million dollars in order to be approved for an investment immigration.

These types of immigration programs will increase your initial investment and boost the economy. While doing this you will receive an immigration card which gives you the permission to stay in the United States as long as you are working at your business whether it takes you two years or twenty years. Once your investment immigration card is close to expiring, you will have the opportunity to renew it again for another year. However, if you fail to renew your investment immigration visa you will be considered an illegal immigrant and then you will be forced to return back to your country. In addition, you may also be penalized and fined extra costs for the time that your investment immigration visa ran out until the time that it was discovered.

After applying for your investment immigration, you will need to wait until it is approved. This can take a few days to a few months. During this time you cannot work at your business until you have been granted an investment immigration visa. If you work without an approved visa you may be required to return to your home country and your application for a visa will be denied.

It is at this time that you need to acquire the help of an immigration attorney. A professional immigration attorney will help you obtain the appropriate paperwork and to assist you in getting your business up and running. You can include your attorney in all your major decisions that will influence your business in the United States.

During your stay in the United States and while you are doing business, you will need to rely on your immigration attorney for all your decisions. They can guide you, give advice, and oversee different aspects of your business to assist you in abiding by all the rules and regulations that apply to business owners that do business in the United States. These rules are the same rules that everyone must follow whenever they open a business up whether you are a citizen of the United States or a visitor.

On your immigration investment visa application you will need to be able to include the main reason why you want to start your business in the United States. You also need to document the businesses you are most interested in and how long you predict it will take to reach your business goals. Once you have all the paperwork ready you will be able to begin living your dream and create a new life for yourself and jobs for others.…

Take Advantage of Investment Forums

Take Advantage of Investment Forums

Investment forums, like Bigger Pockets and CREOnline, are great places for new and seasoned investors to learn about what is happening in the market. For people who are new to forums, it is always a good idea to visit the websites and read the topics that most interest you. Also read the rules of the forum and introduce yourself and get acquainted with other visitors. Some of them are regular members and also usually the most knowledgeable as well.

Choose a forum that has been around for a long time and does not have spam commenting. There should be people moderating the site and cleaning out any posts that don’t seem right. Otherwise, you could encounter entries by trolls who target forums to stir things up and create arguments between users and break up the harmony among them.

As a new member of an investment forum, you don’t have to post, but it is the best way to get to know other people and get your questions answered. You not only get one answer when you ask, but a whole page full of opinions, which you can use to determine what the best investment decision is for you at any given time. People also usually like being able to answer questions and talk about their own experiences as an example to help explain why a particular investment is best done a certain way. You can learn a lot an avoid novice mistakes that could cost you a lot of money in the long run.

Once you’ve gotten to know many people in the investment forum, you may consider partnering up with one or more others and combine assets, knowledge and skills in the acquisition of properties. With multiple people seeking out the most lucrative opportunities, you are much more likely to find the best properties. Plus, the consensus on what properties to purchase will decrease the likelihood that a bad investment will be made. If each individual made the decision on their own, they wouldn’t have other knowledgeable people to help judge every opportunity and avoid financial disasters. This is especially helpful if you are a novice, or do not have enough funds to begin investing on your own.…

Commercial Investment Property – Net and Gross Rent Strategies to Improve Property Performance

Commercial Investment Property – Net and Gross Rent Strategies to Improve Property Performance

When acting on behalf of the landlord in leasing commercial or retail property it is essential to understand the rent structures that suit the legal circumstances of the property and also the landlord’s investment plans. So we have net and gross rents to consider and use in our leasing strategies. Which ones do we choose?

Net rents are a useful strategy to recover part or all of the landlord’s property operating costs, but there are several variations of net rent. Gross rents also have a place in the property performance plan.

As the leasing or managing agent it pays for you to understand what rental situation best suits the landlord’s needs and the local laws as they apply to leasing of the premises. Here are some key lease rental differences and variations.

From the outset let’s detail what a gross lease is and why it would be used. A gross lease is that which applies as one basic rental that puts the obligations fully on the landlord to pay for all rates and taxes, insurance, property running costs, and maintenance. The tenant does not pay for these as a direct payment or reimbursement. Logic says that a landlord using a gross rent strategy should ask for a gross rent that offsets and recovers the financial burden of the outgoings normally payable for that tenancy by the tenant under a net rent. A gross rent is therefore higher than a net rent for this very reason. A gross rent is usually a rent that includes a component to the value of outgoings plus a projection for inflation on those outgoings. It is very easy to apply a fixed percentage rent review to a gross lease. The landlord has to take the risk of this process so the calculation of the gross rent has to be carefully considered. A gross lease does not normally require any outgoings reconciliation or adjustment so it is a rent of choice when it comes to property management. Importantly the gross rental number has to be well considered and set at lease negotiation time; if this is not done, the landlord can set a rent that loses them money over time.

Net rent is essentially a rent that is paid by the tenant plus a component of outgoings for the premises that they occupy. The largely forgotten or underutilized fact of net rent is that there are variations. Some tenants (usually the larger ones) will contribute towards rates and taxes only. Other smaller tenants will contribute towards rates and taxes plus insurance; and finally some smaller tenants will contribute towards rates and taxes, insurance, and all building running costs. From a landlord’s viewpoint, the base net rent should be adjusted upwards if the tenant is only paying for some of the outgoings for the premises; in that way the landlord gets back the building operational costs. In the case of outgoings contributions it is necessary that a landlord comply with legislation regards outgoings disclosures, reconciliations, and notices.

So what rent is best? They both are, however the landlord and the property manager should consult on what rent is acceptable for the premises, the market, and the tenant. On that basis a good lease can be created.…

Determine the Investment Performance With the Passive Investments Benchmark

Determine the Investment Performance With the Passive Investments Benchmark

When someone asks a business owner how the investment performance has been over the last years, investors frequently offer informal replies like “pretty good” or “okay”. However, the truth is that they clearly do not have any idea regarding how they are doing. This is because they contain no passive investments benchmark, which they can use to compare their performance in the investment portfolio. Just like when you play any kind of sport, you do not walk away from the competition and say that you only did okay. You will say that you have kept score and this is what you should also do when it comes to investing. Now, if you are interested on how you can do this, you will need to learn how to set up a passive investments benchmark. This way, you can easily make a comparison on the performance of your portfolio for the investment process.

The first step is to determine how to set the benchmark. A good passive investments benchmark should contain certain characteristics that will allow you to understand it even further in order for you to implement it easier. Included here is the reality that the benchmark should be appropriate and have been agreed upon by the committee or the authorities in the company in advance. Remember that the benchmark that you have selected should be reliable and consistent when it comes to the risk and/or return goals and restrictions. There should also be an acceptance beforehand between you and the manager of investment wherein you have both agreed that the benchmark is a delegate of the manager’s fundamental investment policy. In addition, you should emphasize that he or she should take responsibility for the performance that have been acquainted with the risks of your portfolio.

Another thing that you have to check is the fact that the benchmark should be investable.

This means that you are required to forgo dynamic managing and you should invest on it. Do not weigh against the investment performance of your company to the benchmark that you are not capable of replicating in the real business world. Scrutinize those benchmarks that hold a number of diminutive or illiquid securities and those that contain high turnovers. You will need to judge the passive investments benchmark that you will be using. You can do this by means of checking whether it possesses an exchange traded fund or ETF. This index fund should be available and should definitely match the chosen benchmark.

Depending on the benchmark that you want, you will need to research on this type of benchmark so that you can determine how well it can be used for the productivity of your company. Bear in mind that the passive investments benchmark will not work unless you are completely aware of its functions and usage. You can use the benchmark to compare the performance of your investment that is related to the risks and the adjustments made by your company with the investment portfolio. This will help you quantify the value and the efficiency of the investment management process.…

How To Get a Loan Without Collateral

How To Get a Loan Without Collateral

Is it possible to have a loan without collateral? How possible is that? Yes, you can have a loan without collateral and that is when a well written business plan comes in. If you really have a well planned and written business plan, the you are 100% sure for a loan of any amount. You must make sure you have a business plan. Let me come down on that business plan in case you are hearing it for the first time time.

Business plan is simply the plan or better still the details of what you want to use the money for. For instance, if you want to open a shopping mall, al you have to do is to write down how the money is going to be utilised. You got to give the every details of what you intend to use. If the money you want to collect is to be used for renting a space, goods for the shopping mall, the transportation, money for advertisement and what have you, you should clearly state it in the business plan.

Remember that, the planning of the business plan should contain what you anticipate that the business is going to bring in [that is the profit], this will help the bank or any financial company to give you because they will see where you will get the money to pay back when it is time because there is no collateral. By doing this, you have sure way to obtaining the loan.

After writing the business plan, take it to a professional banker or an accountant to proofread and check if it is well written or is it a kind of junk writing. Just make sure someone who have a sound knowledge of it sees or read it.

The next step is to use it and present it to a bank or any financial institution that has the backing and provisions given by government. You can find these institutions and banks on the internet when you make a search. You can go to Google and yahoo to make your fast and easy search.

Finally, make sure you have a checking account for you to be granted a loan because it is indispensable. By the time you follow these processes, you are on your sure to have that loan you always want. To your success.…

The Secret to Getting Higher Returns on Your Property Investments

The Secret to Getting Higher Returns on Your Property Investments

Looking for higher than average profit from your property investments without high risk is something that appeals to people who do not have the time to manage their investments on a day to day basis. Joint Venture investing can solve this problem.

Like any property investment there are risks involved of course, but with Joint Venture investing you can be investing in property developments that have already had approval and are well on the way to being started. 

When property developers approach a bank for funding they understand that at least 60% of the property needs to be pre-sold before the bank will release development capital. This protects the bank from funding a property that only gets half sold by the time it is finished. If this was the case there would also be a good chance that the developer goes broke because he would have to be paying the interest out of his own pocket, never mind any capital that the bank may want back.

Pre-selling protects both the bank and the developer. 

So where do you fit in as a Joint Venture investor?

The bank will lend somewhere between 60% – 70% and the developer has to raise the balance of the capital to meet the difference or put up the money themselves. 

Even if developers have funds available they very rarely want to use it at this stage. The main reason for that is that should the developer be approached to purchase another development site and he has his funds tied up he cannot go ahead to purchase and could well miss out on a good deal.

Another reason is that a developer should keep some fluid cash for unexpected expenses, something that may crop up that has not been allowed for in the financial allocations.

As a Joint Venture investor you would as we say, be investing once the bank has agreed to put up the construction costs. At this stage council approvals have been met, feasibility studies have been done and legal documentation has been set up for lenders.

Joint Venture investors can then put up their money and get a guarantee from the developer.

There are basically two methods of lending to a developer:

1.      The investor receives a portion of the total profit from the project

2.      The investor receives a fixed return on their funds.

Either way the investor is dealing directly with the investor or his employees and should be able to get straight answers about any concerns.

The first method can allow for a much more substantial return on property investment, but carries more risk, while the second method is a fixed income return. There is of course the option of investing in both methods in the one development.   It is just a matter of setting up the funding to do so.…

Online Success – How Much Money Do You Really Need?

Online Success – How Much Money Do You Really Need?

Starting an online business has helped many people become financially independent. In addition, most of them started with a small amount of money. A lot of online programs claim that you do not need any money to start. From my experience, these claims are false. Here is the real cost to start an online business. Let’s break it down to seven parts.

1. Domain name:

This is the name of your website. You will buy this from a company like go daddy. A domain name will cost you about ten dollars. They will try to sell other features, but you won’t need them. I recommend buying a dot-com as opposed to a net or biz.

2. Auto responder:

An auto responder compiles your list of potential buyers and sends emails to them. This is the machine that runs your business after you set it up. You must have an auto responder. A company like Aweber sells this service for 20 dollars per month.

3. Hosting:

A web host is where you send files to. Then, they put your files online. Most companies that sell domain names will also host your website. Hosting usually cost ten dollars per month, but some companies do it for free.

4. Squeeze page:

This page is made to give away free content and collect an email address.

You can find templates for 20-40 dollars. A web designer might charge $100-$200 to create one. Your squeeze page might not cost you anything if you are an affiliate marketer.

5. Product:

It hard to estimate the cost of your main product. If it’s information, you might only pay for graphics. The graphics for an e-book might cost $20. This is also something you can get free. If you are selling a video course, editing software is required. Free video editing software is easy to find.

6. Free product:

This is what you give away on the squeeze page. Your free information shouldn’t cost anything to create. When you create informational products, the focus is quality. Appearance is important, but make sure the information is valuable.

7. Main website:

At this point, you might have all the tools needed to create your website. Now it’s time to put everything together. You want to buy any graphics needed. This shouldn’t cost more than $40 dollars. The other option is to buy a template for $20 dollars. In any case, you should put the page together instead of hiring someone to do it. Affiliate marketers might only need a squeeze page. If that’s the case, you can skip this step.

In conclusion, the minimal amount to start an online business is about $50-$75 dollars. This number isn’t zero but it’s close enough. The main thing this business requires is time not money.…

The Importance and Role of the London Bullion Market Association

The Importance and Role of the London Bullion Market Association

The London Bullion Market Association (LBMA) is the trade association that represents the wholesale gold and silver bullion market in London. London is the hub of the international Over-the-Counter (OTC) market for gold and silver, with a clientele that includes the majority of the central banks that hold gold producers, refiners, fabricators and traders from all over the world.

The LBMA was formally incorporated in 1987. This was done in close consultation with the Bank of England, which, at the time, was the regulator of the bullion market.

Stringent criteria for assaying standards and bar quality have made the Good Delivery List of LBMA as representing the de facto standard for the quality of gold and silver bars. LBMA periodically checks the assaying capabilities of refiners on the Good Delivery List. This is carried out under the Proactive Monitoring programme of LBMA.

The on-going work of the Association encompasses many areas, among them refining standards, trading documentation and the fostering of good trading practices. Some examples:

o In the refining industry, the LBMA Good Delivery List is widely recognized as representing the de facto standard for the quality of gold and silver bars; in large part thanks to the stringent criteria that an applicant must satisfy before being listed. In order to enhance the reputation of refiners on the Good Delivery List, in January 2004, the LBMA introduced proactive monitoring.

o In conjunction with the foreign exchange and money markets in London, the association has developed the Non-Investment Products Code, which provides a code of conduct by which all members and associates are required to abide.

o The annual Precious Metals Conference of LBMA is now widely regarded as “the” professional forum for the bullion market of the world.

Historically, the members of the London bullion market regularly posted lists of accredited smelters and assayers, whose gold and silver bars they would accept without question. These transactions were in settlements conducted between each other and with other acceptable counterparts. These bars earned the distinction of London Good Delivery status.

The main requirements to be considered for the listing are normally that a refiner must:

o Have an established track record of at least three years of producing the refined metal, for which the listing is being sought

o Produce a minimum quantity of refined metal per year – 10 tonnes of gold and 30 tonnes of silver

o Have a tangible net worth of at least £10 million equivalent

o Furnish evidence of their ownership structure and directors

o Provide, if required, a suitable letter of endorsement, e.g., from the central bank or an acceptable commercial bank in their country of operation.

Standard bars are bars of approximately 400 fine troy ounces for gold and approximately 1,000 troy ounces for silver. Bars are listed at the discretion of the Management Committee of the LBMA, which reserves the right to make any investigations that it deems appropriate into an applicant for listing.…

Property Taxes – What Taxes Do You Pay If You Have an Investment Property?

Property Taxes – What Taxes Do You Pay If You Have an Investment Property?

In Australia there are no investment property taxes as such, however your property sale may be subject to Capital Gains Tax (CGT). The purchase and sale of your property in Australia will be subject to Goods and Services Tax (GST) and your rental income will be subject to Income Tax.

GST is paid on almost everything in Australia at a rate of 10% on the purchase price of your property. GST must be paid on all property that is connected with Australia. With regard to residential property in Australia that is purchased and rented out, the investor can make a claim on input tax credits. That is any GST paid on goods and services purchased to maintain the property can be claimed as input tax credits. These input tax credits can be claimed on a Business Activity Statements (BAS) as a refund and reduce the amount of GST paid overall.

If your Investment Property is held as in a Trust or purchased by a Company, the Trust or Company must register for GST if it’s turnover is greater than $75,000 or $150,000 for a non-profit organisation in a financial year. Once registered for GST the Trust or Company must lodge BAS regularly.

If your Rental Income is paid direct to you and the property is not owned by a Superannuation Fund, Trust or Company, then the Rental Income will be taxed at your Marginal Tax Rate. That is, if you pay tax at a top rate of 45 cents in a dollar, your Rental Income will be taxed at 45 cents in a dollar.

Thus the importance of communicating with your Accountant and Financial Planner about your financial situation so they can work out the best ways to purchase your investment property or properties in order to minimise or postpone the amount of Income Tax that you pay. That is, they will consider using a Self Managed Superannuation Fund, Trust or Company to be set up to purchase your properties.

Capital gains tax is another tax you will be subject to when you sell your property. So it is best to sell your property when your income is at a minimum as Capital Gains Tax is paid at your Marginal Tax Rate which is dependent on your income. If your Investment Property is owned for more than 12 months, you may able to receive a 50% discount on Capital Gains Tax.

Now, you are probably thinking is all this worthwhile? If you want to increase your holdings of property investments and you income, and you like the idea of investing in property, this may be the ideal solution for you. There are property investment specialists, Financial Planners, Accountants and Mortgage Brokers whom can assist you with your financial strategies to obtain the best outcomes for you.…

Seven Ways Predatory Lenders Cheat the Elderly

Seven Ways Predatory Lenders Cheat the Elderly

Our community of elderly, retired homeowners has become a veritable jackpot for predatory lenders. The longer a homeowner has been in his home, the greater the accumulation of equity. Families today move more often than their parents or grandparents did, making the older, retired generation the perfect potential victim of a predatory loan.

Many older homeowners view their home as an investment or savings plan for their future retirement. They look forward to the days of no more mortgage payments and to the profit they can retire on when selling their lifelong home. Predatory lenders look forward to this equity buildup as well because they seek to profit from it! Predatory lenders historically extend loans based on the value and equity in a home rather than the ability of the borrower to repay the loan. Couples on fixed incomes, in a financial bind, are coerced into accepting loans against their home’s equity without realizing the true costs of these loans. Predatory loans can include one or more of the following:

1. excessive loan fees

2. extremely high interest rates

3. expensive credit life insurance premiums

4. homeowner’s insurance recommended by the lender

5. prepayment penalties

6. large balloon payments

7. negative amortization

Mortgage contracts have become progressively complicated through the years. The requirement of more detailed explanations in contracts has only proven to lengthen these contracts and further confuse those less familiar with financial transactions. This again leaves the elderly in a vulnerable position when borrowing money.

The National Housing Institute, in its 2005 Jan./Feb. issue, relayed the story of an 84 year old widow, Florence McKnight. While lying in the hospital under heavy sedation she signed loan documents for the installation of new windows and other general repairs to her home. The bill for the work was only $10,000. The loan offered her was for $50,000. The 15 year loan amounted to $72,000 in payments with a balloon due at the end for $40,000. Those were some very expensive windows that someone else is now enjoying because Ms. McKnight was forced into foreclosure and lost her home.

Occasionally, legitimate sub-prime loans can offer great help to people in financial trouble that are unable to get a conventional loan. But the temptation here just seems to be too great for the predatory lenders. Sub-prime predatory loans benefit no one but the lender. The elderly community is stripped of their home’s equity and often forced into foreclosure. They must rely on their children to survive, as their incomes are fixed and now their credit is destroyed. This retired group is even encouraged by predatory lenders to take out loans to pay for their prescription medication!

The spike in sub-prime lending has not surprisingly coincided with the increase in foreclosures. It’s a real shame that one of our most treasured assets – our parents and grandparents are being ruthlessly solicited for the consumption of the equity they have so diligently strived to accumulate over the years. Predatory lenders use deceptive tactics to rob the next generation of their life long family memories as well the inheritance their parents had dreamed of leaving to them. Every day older Americans are losing their primary source of wealth, their retirement nest egg through the unethical practices of predatory lenders.…

Who’s in Control of Your Investment Money?

Who’s in Control of Your Investment Money?

Is your destiny, your financial future controlled by you, a family member, a financial person chosen by you or a total stranger?

In other words: Who’s in control of your investments, or your retirement account, of your MONEY?

These can be scary questions especially if you think you are not qualified to manage your own retirement account, create one or invest in the stock market. The truth is, I believe almost every single person can manage their financial future. Perhaps you need a little assistance, but you can not only do it, but probably do it better than almost anyone else.

Controlling your financial future involves just a few key factors:

• Time – are you willing to spend 30 minutes a week, perhaps an hour managing and developing your financial future? Your retirement account?

Yes, this means finding 30 minutes almost every week, perhaps skipping a TV show, but the reward is equivalent to paying yourself the “big bucks”.

• Method – invest some initial time to review software that can aid you with recommendations for what stocks, ETFs or mutual funds to buy and when; plus equally important when to sell and especially critical, when you should sell out and stay out of the stock market to preserve and protect your money.

The software should be flexible enough to meet your goals, your personality -conservative – moderate – aggressive.

Preferably the software shouldn’t require months to learn or even a college degree. Even then training videos at a reasonable cost should be available along with the opportunity to talk with a human being whenever you have a question – for free.

And the program should work with stocks, ETFs and mutual funds so you have full flexibility. It should allow you to manage your portfolio daily or weekly or even just occasionally.

• Understanding – what kind of future do you want? Just saying “more money” doesn’t cut it. You need to be specific, for example:

Money for a new house

A new car

Secure retirement

Vacation funds

• Recognize – there are pluses and minuses to having someone else handle your portfolio. They may have cookie cutter portfolios that you must fit into or so many clients that there is no time for true personal attention. Yes, some advisors can and do work with your specific goals and objectives, but you must check them out thoroughly.

Your company sponsored retirement account is most likely handled in the most generic manner and without your input and management will grow slowly and is apt to suffer whenever the market drops.

Thus, my suggestion is that the person to really control your financial future should be you if you have 30 minutes or so most weeks.…

Long-Term Expectations for Gold

Long-Term Expectations for Gold

Putting aside the current issues for the U.S economy and concentrating on the long-term factors affecting the gold price, we can identify several reasons to invest in gold. Gold is well-known for its capability to act as a buffer against deflation and inflation so I won’t be spending too much time on these factors. The more important driver for the gold price in the long-term is the likely devaluation of the U.S Dollar.

As I mentioned in my previous article the Dollar has lost 96% of its value since the abolishment of the Gold Standard and the establishment of the FED. In healthy economic situations gold tends to move inversely to the Dollar and the Dollar has lost 30% of its value since 2001, which explains why the value of gold was going up even before the Credit Crunch. Taking a closer look at the U.S economy, we can see more problems ahead.

Before the Credit Crunch the U.S trade deficit was around $60 billion a month because importing goods, mainly from Asia, was much cheaper than buying the same products from domestic manufacturers. This dragged the Dollar down and pushed to the price of gold up. Now, when people are more aware of the issues weighing on the current monetary system and the quality of Asian products is improving all the time, it is likely that consumers will keep purchasing the cheaper foreign products, even after the recession. This will increase the trade deficit even more and deepen the slide of the Dollar.

The most alarming news for the Dollar is coming from the East since China, the fastest growing economy and the biggest financier of America, is trying to internationalise and stabilise its currency. If China is successful in this, it would not have to hold a huge amount of Dollars as a reserve currency anymore. As the value of the Dollar has been decreasing for such a long time, it is unlikely that any government would be interested in buying trillions of Dollars floating into the markets from China. The only place where the Dollars could go is home to the U.S, and these trillions on top of what the FED has already printed would cause significant inflation pressure just when the economy is starting to stabilise in the future. This leads us back to the basic virtues of gold investments.

The main physical driver for gold is also coming from China as its citizens are getting wealthier and the government is encouraging them to invest in gold. The Chinese government agreed on plans to liberalize its gold markets a few months ago, which will help banks and private investors to buy gold from abroad. Analysts have forecasted that the China’s per capita gold demand could match the numbers from India in the near future, which would mean a 200 tonne increase in physical bullion demand.

Recent turmoil in the global economy has made investors realise the shocking state of the global monetary system and made them more cautious in their investment decisions. Even slightly disappointing news is driving them towards hard assets, such as physical gold. Some speculators are convinced that gold is the next bubble to burst but when looking at the inflation related gold price, we are not even near the 1980s figures when gold was hovering at around $2200 per ounce.

To conclude, we feel that gold has a long way to go before the past price barriers are going to be an issue for future price growth.…

Risk Differences in Shareholders’ and Creditors’ Claims

Risk Differences in Shareholders’ and Creditors’ Claims

Investors will require different rates of return on various securities since they have risk differences. Higher the risk of a security, the higher the rate of return demanded by investors. Since ordinary share is most risky, investors will require highest rate of return on their investment in ordinary shares. Preference share is more risky than debt; therefore, its required rate of return will be higher than that debt. The risk return relationship for various securities is shown in above figure, It may be observed in the figure that the required rate of any security is composed of two rates a risk free rate and risk premium. A risk free will require compensation for time value and its risk premium will be zero. Government securities, such as the treasury bills and bonds, are examples of the risk free securities. Investors expect higher rates of return on risky securities. The higher then risk of a security, the higher will be its risk premium, and therefore, a higher required rate of return.

Since the firm sells various securities to investors to raise capital for financing investment projects, it is necessary that investment projects to be undertaken by the firm should generate at least sufficient net cash flow to pay investors’ shareholders and debt holders their required rates of return. In fact, investment projects should yield more cash flows than to just satisfy the investors’ expectations in order to make a net contribution to the wealth of ordinary shareholders.

Viewed from all investors point of view, the firms cost of capital is the rate of return required by them for supplying capital for financing the firms investment projects by purchasing various securities. It may be emphasized that the rate of return required by all investors will be an overall rate of return a weighted rate of return. Thus, the firms cost of capital is the “average” of the opportunity costs of various securities, which have claims on the firms assets. This rate reflects both the business risk and financial risk resulting from debt capital. Recall that the cost of capital of an all equity financed firm is simply equal to the ordinary shareholders’ required rate of return, which reflects only the business risk.

Formula for the Opportunity Cost of Capital

The required rates of return are market-determined. They are established in the capital markets by the actions of competing investors. The influence of market is direct in the case of new issue of ordinary and preference shares and debt.

The market price of securities is a function of the return expected by investors. The demand and supply force in such a way that equilibrium rates are established for various securities. Thus opportunity cost of capital is given by the following formula,Where interest in year zero is the capital supplied by investors in period 0 (it represents a net cash inflows to the firm) Ct are returns expected by investors (they represent cash outflows to the firm) and k is the required rate of return or the cost of capital.…

Buying a First Home

Buying a First Home

Most young couples dream of owning their own home and having a nice environment in which to raise a family. Buying a house is often as much about emotion as it is about money. For that reason, some couples make mistakes with their first home purchase.

For a start, it’s easy to get emotionally attached to a house that really is not affordable – it’s a natural human tendency to want something that is slightly out of reach. Emotional attachment can also mean you pay a higher price because you are afraid of missing out. Impatience can lead to another mistake, and that is not taking a long term view of how affordable the house is. How will the mortgage be paid when there is only one income coming in? How will repairs, maintenance and upgrades be paid for? Will interest rate increases be affordable?

The starting point for buying a first home is to establish some criteria for the kind of home that will best suit your needs – for example the size of house, proximity to transport and schools, type of construction etc. Have a look at some properties that meet those criteria to get a feel for how much you will have to pay.

Talk to your bank or mortgage broker about how much deposit you will need, how much you will be able to borrow, and what your fortnightly repayments will be. You will need to be in a strong financial position before you buy, because once you are committed to a large mortgage, it will be difficult to save. Compare the cost of the rent you are paying with the costs of owning a house. These costs include mortgage payments, rates and house repairs (plumbing, electrical, painting etc).

For example, you might be currently paying $300 per week in rent, whereas once you own a house you will be paying $600 per week in mortgage payments, rates and insurance. If your house is truly affordable, you should therefore be able to save $300 per week before you buy. Start saving that money now towards the deposit on your house. The higher your deposit the lower your repayments will be, giving you a bit more leeway to cover interest rate increases or a drop in income.

Your first home doesn’t need to be a big family home that is going to last you for the next twenty years. Being forced to sell because you can’t manage the mortgage may cost you a lot of money, so start with something small and affordable and work your way up from there once your mortgage becomes more manageable.

Some young couples start out by purchasing an investment property. It can be easier to find a house that is affordable if you are not going to live in it yourself, because you can then consider buying in areas other than where you would choose to live. Expenses such as interest, repairs and depreciation will also be tax deductible, making the purchase much more affordable. Through most of your life, your home will probably be your biggest asset and the choice you make with your first purchase will have a significant impact on your future wealth. It’s worth doing your homework to avoid making a costly mistake.…

Rehabbing a REO Property

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.…

Share Dealing Using High Yielding Dividends

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.…

Ways of Saving For Children

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)…

Real Estate Investors and Their Mind Set

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.…

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

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.…

Information on Investment Property Loans

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.…

What Property Investors Should Know

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.…

Avoiding Trading Mistakes – These Common Mistakes Will Cost You

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.…

Investing in Precious Metals

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.…

Ideas to Own a Profitable Property

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.…

How One Can Benefit From Real Estate Investment

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.…

Investment For a Secure Future

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.…

One Rule to Know Before Buying Investment Property

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.…

Can You Make Money Trading Stocks?

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.…

Investment in Dunedin – Invest in NZ

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.…

FATCA – Foreign Financial Institutions Tax Withholding

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. A�1.1461-1(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.…

Fancy Color Diamonds – Savvy Investing

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.

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Purchase Vs Generate Carbon Offsets

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.…

How to Get Rich in Property Investment

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……

Help For Commercial Real Estate in 3 Easy Pieces

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.…

Things To Know About Art Investment

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.…

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

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.…

Pragmatic Outsourcing – Outsourcing to India

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.…

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

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.…

Simple Investment Yields 60 Percent Or More For Hourly Investments

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.…

Ye of Little Faith

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.…

Honeymoons – Costa Rica is the Solution to You Wedding Dreams

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.…

The Investment Visa – Gateway to the USA?

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.…

NRI Mutual Fund to Save Your Own Money

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.…

Small Business Finance – How to Avoid Sneaky Business Investments

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.…

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

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.…

Investment Banking Analysts

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.…