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

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

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

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

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

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

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

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

Helpful Tips on Real Estate Investment

Helpful Tips on Real Estate Investment

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

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

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

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

Factors that you should consider before you make a purchase:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Регистрация И прохода В Казино 1хслотс

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Stock Trading Advice on Risk

Stock Trading Advice on Risk

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

Market Risk

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

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

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

Investment Risk

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

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

Trading Risks

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

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

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

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

Tips For Understanding Home Improvement In Today’s World

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

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

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

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

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

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

Should You Try Property Investment?

Should You Try Property Investment?

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

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

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

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

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

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

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

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

The Ostrich Error

The Ostrich Error

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

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

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

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

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

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

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

Making financial decisions with an extra pair of eyes

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

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

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

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

Whatever They Say, Gold Is an Investment

Whatever They Say, Gold Is an Investment

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

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

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

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

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

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

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

Sheen of the Yellow Metal

Sheen of the Yellow Metal

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

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

Determinants of Gold Price

* Demand

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

* Rate of the US Dollar

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

* Government Transactions

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

* Alternative Investment

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

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

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

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

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

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

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

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

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

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

Best Investment Opportunity Today

Best Investment Opportunity Today

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

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

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

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

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

Professional portfolio managers make the investment decisions for you.

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

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

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

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

Solitaire – Classic And Timeless

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

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

Triple Diamond Rings Renew Your Love’s Energy

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

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

Nontraditional Rings Show Off Your Individual Style

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

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

5 Tips For Investing in Apartment Complexes

5 Tips For Investing in Apartment Complexes

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

Here are a few tips to help you get started:

#1 Start With Your Investment Goals First.

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

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

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

#2 Determine Your Property Criteria.

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

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

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

#3 Get Some Basic Education.

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

Invest in yourself first.

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

#4 Take Action.

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

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

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

#5 Keep Going.

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

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

Infinity Downline – Review

Infinity Downline – Review

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

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

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

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

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

How Do You Get Rich From Real Estate?

How Do You Get Rich From Real Estate?

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

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

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

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

Brief Introduction To Spread Betting

Brief Introduction To Spread Betting

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

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

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

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

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

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

Why Relative Strength Investing Produces Winners

Why Relative Strength Investing Produces Winners

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

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

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

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

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

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

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

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

• Alpha or relative strength analysis

• A variety of charts

• Selling rules

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

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

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

Simple Tips For Property Investments

Simple Tips For Property Investments

Property Investment is probably the fastest way to increase your money these days. Instead of keeping your money safely locked up in a bank account, invest it in the real estate and you will be amazed at the returns it reaps for you. Like any other forms of investment, there are risks involved here as well, and you may have to endure a few losses in the beginning to learn the ropes of right investing. All you have to do is to keep certain basic points in your mind, and you will a big time investor soon enough.

Start Small: Until and unless you are absolutely confident regarding the decisions you are taking regarding your investment, it is advisable to start small. Invest in smaller amounts first, and make sure you are bringing in the profits. With the right moves, you may soon get to know the trade, but you should also remember that one wrong move and you may have to endure losses which are enough to set you back for a few years at a time, and it may take a long time to recover.

Market Conditions: Although the market conditions may not play a direct role in property investment, it is still necessary to keep a lookout. An upheaval in the financial world will not be as devastating to property investments as to the stock exchange, but it can cut off people’s income, their spending power decreases and prices start going down. A general overview is a must, whatever may be the amount of your investment.

Location: This is the keyword in property investment. You may have built an accommodation which may seem right out of the dreams, but it will indeed remain only a dream if your intended customers find that it is situated miles away from places like their workplace, their children’s school and the doctor. If that indeed is your intention, then along with the property itself, you will also have to built all the auxiliary units like a general or departmental store, a drugstore, school etc. Again, the requirements for locations of a residential and a commercial property will be complete different from one another.

Tax and Legal Advice: These are to be taken care of right at the initial stages. You have to be fully aware of the tax laws and the property laws of the state in which you are planning to make your investments. Meet with a professional tax consultant and a real estate lawyer for full details, because once you get involved in the red tapes and legal formalities if there is anything amiss about your project, chances are that it may be stalled for an indefinite period of time, and you will have to bar all the extra costs for the delay.…

Basics To Financial Managment – Return On Investment

Basics To Financial Managment – Return On Investment

Due to poor financial management, many people find it hard to improve their chances of getting richer. This brings about the need to change many people’s mindset about finance, like how defects have to be fixed in leaking ships. Because of this,, the article was written to provide more knowledge on the field of managing finances well.

In the area of finance, people ought to know 1 single term very well and that is return on investment (ROI). This is because ROI is income that can be taxed the least but is most beneficial to you. For example, in earned income, you are always taxed at the higher tax brackets in income tax whenever you earn more.

However, if you invest in real estate, there is tax incentive called depreciation which looks like loss on financial statements but actually creates phantom deduction to shelter rental income. Also, investors can offset other income with passive loss from property up to $25,000 if you or your spouse qualifies as a real estate professional.

In addition, property may even be appreciating in value even though the tax man allows investor to claim that it is shrinking in value through depreciation deduction. Thus, for people who do not invest, you are actually getting punished by more taxes than those who invest and if you want to invest, you must know ROI at your fingertips.

To me, there are 2 types of ROI and they are internal rate of return and external rate of return. Basically, internal rate of return (IRR) means ROI without considering macroeconomic factors like taxes and inflation. In financial terms, it would mean a ROI that assumes all the income (passive/cash flow) you receive is immediately reinvested so that you would be getting a return on that money as well.

For example, rental income you receive from a property is immediately used to buy a stock that pays you dividend of 5% per year. Here, as macroeconomic factors like inflation and taxes are not considered, your internal rate of return will be 5% if you perform the above action.

However, while internal rate of return is important, external rate of return is actually a more reliable tool to gauge your total returns from an investment. Simply put, external rate of return (ERR) is ROI gained or lost because of indirect effect product has on taxes, insurance costs, inflation and opportunity costs.

Here, its importance lies in the very fact that it takes into consideration factors that are not immediately quantifiable or cannot be quantified. Thus, it is vital that we include both internal and external rate of return in any financial decision we make as it provides a more holistic approach to managing our finances by considering quantifiable and non-quantifiable factors. Here, always remember that IRR+ERR=ROI.

To make things clearer, here’s an example to illustrate how you can apply IRR and ERR even to your daily life. In many people, hand phones are a high expense and so to increase IRR, you sell it. However, remember that the hand phone also gives you convenience (not quantifiable) and because of your sale of it, ERR becomes negative and as a result, you gain a negative ROI instead of a positive one. Given this example, I hope readers will be able to practice financial prudence using ERR and IRR in your daily lives.

In conclusion, after covering the aspect of return on investment in financial management, I believe readers have gained a very clear understanding of how important it is to invest and also the right approaches to do so. Now, use what you learnt well and take action!…

Fee For Service Advisors – What You Should Pay?

Fee For Service Advisors – What You Should Pay?

How much it is going to cost you? How you will be getting paid? These are some of the best question that you should be asking any planner or adviser that you are interviewing for the job. That is very much right. You should always be interviewing the potential advisor so that you can get to know more about their personality, before you actually make an investment decision or while you are considering taking any investment planner recommendation. You need to make sure if the advisor or planner is fully open and up-front regarding their compensation arrangement. You should be making such question which will be providing you with a rough idea about how much they will be shelling out for the services they are rendering for you.

How to Find Required Fee For Service Advisors?

The question here is that how you are going find Fee for Service Advisors when it comes to financial profession. One of the best means to look out for fee-for-service advisors or planners is via the word of mouth. While you are getting a reference from your colleges or a close friend and this is going to be one of the best means to make sure that you are going to find a credible and highly regarded advisor or planner.

You need to keep this point in your mind that the ‘right’ planner is not something being mentioned. Each and every individuals financial status is different from another person and it certainly requires a different and varying level of financial planning. Such families that are young and when they are not dealing with any sort of estate planning or elder care perhaps would not need all-inclusive kind of financial plans whereas it could have been the choice of their parents as per their requirements. On the other hand, the cost associated with different plans is tough to be justified when it comes particularly to a complete financial plan.

One other helpful yet considerable means of looking for a fee-for-service advisor is via the World Wide Web. It is one of such means that can provide you with a large number of choices along with the convenience of looking out from the comfort of being at home. You will be provided with a long list of web portals while you have input the keyword as ‘Fee For Service Advisors’ with your preferred search engines.

Once you have come across numerous applications people around the globe, you can narrow down your search by opting for the ones that fully meet your needs and requirements along with being without your preferred compensation package.…

NRAS Property in Victoria

NRAS Property in Victoria

The National Rental Affordability Scheme (NRAS) is a long term commitment by the Australian Government to invest in affordable rental housing. The NRAS Victoria seeks to address the shortage of affordable rental housing by offering financial incentives to the business sector and community organizations to build and rent dwellings to low and moderate income households at 20 per cent below-market rates for 10 years. NRAS Victoria aims to increase the supply of new affordable rental housing; reduce rental costs for low and moderate income households; and encourage large scale investment and innovative delivery of affordable housing. The Australian Government has committed $1 billion to the Scheme over four years to stimulate construction of up to 50,000 high quality homes and apartments, providing affordable private rental properties for Australians and their families.

NRAS Victoria is a great opportunity for property investors to have a property investment in Victoria in a high capital growth area but still receive the positive cash flow provided by the generous government grants. I believe this is a small window of opportunity where a property investor can build their asset base with no need to take a hit on their cash flow, in actual fact you will increase your cash flow position. NRAS Victoria offers a substantial annual tax-free incentive, the NRAS Incentive, for every dwelling built under its auspices. Investors making property investment in Victoria need to apply for NRAS Incentives, and if offered, must agree to rent approved dwellings at 20 per cent or more below current market rates, to low and moderate income households.

The NRAS Incentive is a funding stream not available to standard residential property investors. Each approved dwelling attracts the NRAS Incentive for 10 years, so long as investors continue to comply with conditions around tenant eligibility and rent discounts. NRAS investors can expect to benefit from the annual NRAS Incentive, rental yields and capital gain. NRAS is intended to be a commercial, profitable property investment in Victoria for participants, while also assisting Australia to increase the supply of affordable housing. It is important to understand that an NRAS approved property is physically no different to any other property in a new development – it simply has been granted the NRAS status. Taxation or any government incentive should never entirely drive a property investment Victoria decision – sure – take them into consideration, but the underlying qualities of the investment are always the most important drivers.

The same applies for NRAS property investments in Victoria – if the NRAS scheme was not there tomorrow, would the investment still make sense? The real benefit of investing in an NRAS Victoria property compared to a normal property investment in Victoria comes down to maths. The $9,524 government incentives are a flat annual amount – regardless of the property type, value and rental income. This means the incentives have a larger positive cash flow impact on properties with a lower market rent. NRAS property investments in Victoria can boost the amount of cash flow generated from a property – which is fantastic.…

Reporting Stock Shares on Schedule D

Reporting Stock Shares on Schedule D

Schedule is a tax form that you attach to your 1040 income tax return; it is used to report capital gains. The form itself is easy to understand, but the filing can become complicated when multiple transactions occur with a single equity.

Stock sales can be reported based on the actual value of specific shares or on a first in, first out (FIFO) basis. Investors can report capital gains in such a manner as to offset other gains or losses. Schedule D reports on stock sales, not current holdings.

The description of stock shares is entered on Line 1 (a) of Schedule D. List the number of shares and then, the name of the company.

The purchase and sale dates of the shares are entered on Line 1 (b) and 1 (c). If you do not have this information on hand, it can be obtained from the 1099 provided from your broker or by your broker upon request.

Enter the sale price of the stock shares on Line 1 (d). This amount is either the cost per share or the gross proceeds from the sale.

The cost basis of the stock is entered on Line 1 (e). This is the most complicated calculation of the process. You can get detailed information on calculating cost basis from the IRS at their website.

Subtract the figure on Line 1 (e) from the figure on Line 1 (d) to determine your capital gain. If you end up with a negative number, it is a loss as opposed to a gain. Losses are reported in (parenthesis). This amount, gain or loss, is to be entered on Line 1 (f).

Repeat the process for each stock sold. While sales in a single company can be aggregated onto a single entry, you must list every company in which you have sold stock during the year on Schedule D.

The example given above is for reporting on short-term assets. To report on long-term assets, follow the same process, but enter the numbers in the fields on Line 8 rather than Line 1.

If you sold shares in a single company, some of which were short-term assets and some of which were long-term, it will be necessary to separate and report these assets based upon duration.…

Integrating Financial Education Into The Education System – Part 2

Integrating Financial Education Into The Education System – Part 2

Given the various flaws in the education system, many people become more vulnerable to bad financial advice. As a result, financial problems occur and this causes them to gain financial wisdom the hard way. Since prevention is better than cure, it is definitely better if we wire in sound financial concepts into students before they step into the outside world. The following single lesson below is one I deem extremely important for students to know, adding on to the 3 addressed in Part 1.

One vital lesson the education system ought to have is the difference between capital gains and cash flow. Capital gains allow you to make money from a difference in buying and selling price. Basically, you must liquidate a certain asset in order to gain money. For cash flow, investors basically receive money every month from an investment without working for it. One example would be cash flow.

As capital gains investments are affected by wild market swings, they are more of a gamble despite the fact that they can rake in more money in the short term. In contrast, cash flow investments provide steady and stable passive income over a long period of time and you can easily reinvest the money elsewhere to gain more cash flow.

Given the rapid pace of change today, investors must invest for both cash flow and capital gains, with greater emphasis however placed on cash flow investments. This is because money today is a currency and must move to an asset that increases cash flow to prevent losing value to inflation.

Also, investing for cash flow takes most risk out of investments because even if asset prices fall, the investor still receives his passive income monthly. However, if the price of asset increases, you get a bonus! This is much safer than capital gains investments.

In stocks, the cash flow investments available would be dividend stocks. A rule of thumb to remember is that a dividend yield exceeding 5% would be a good stock while that below 3% would mean that the stock is over-priced, suggesting an eventual dip in prices.

If many people knew this general rule, they would not have fallen prey to traps in the market during October 2007 and March 2009. In October 2007, the stock market hit a high of 14,564 with only 1.8% dividend yield. Using the rule, it would have meant that stocks are too expensive and investors shouldn’t enter. Nonetheless, many did not know this and entered the market during this time, causing heavy losses.

To make things worse, history simply repeated in March 2009 when the stock market hit a low of 6,547 with 1.9% dividend yield. This also meant that prices were too high but nevertheless, many people thought prices were low and entered the market. Here, they lost money once again.

In conclusion, given the repetition of such gaffes, it is definitely vital that schools guide their students well on knowing cash flow and capital gains investing well. This would definitely groom them into more financially literate individuals with more means of contributing back to society.…

Some Thoughts on Commercial Financing

Shopping Centre – Strategic Factors

Shopping Centre – Strategic Factors

The success of retail investment property and particularly the Retail Shopping Centre depends on the key factors such as:

the size of local customer markets

the type of local customer and their spending habits

the level and nature of the average family income in that market area

the growth of the local community

the size and location of nearby competition properties, and

the exposure and access the subject property gets to roads and transport systems

The property investors owning retail property should keep a close eye on future of other Shopping Centres locally and any expansion or change they are to experience. The local planning approvals office should be monitored for any pending approvals which change the zoning of the properties in the region, and any approvals of new developments that could impact the way the community use other property locally.

So why do this? You are trying to protect your cash flow and the future of your property. Without customers, the rent and leases for your property will deteriorate. The levels of market rents in your property are underpinned by customers. You can sue a tenant that is not paying rent required under a lease, however the matter is much larger, and a poorly performing tenant can be the first sign of something much larger impacting the greater property.

Being sensitive to customers and tenants in a retail property is a major part of market awareness. When financial difficulties arise with one tenant it pays to check its origins and review the impact on the greater tenant mix in the property.

Property rental is precious and must be protected. The rental income generated on a retail property depends mainly on these internal and external factors.

the demographics and sentiment from the local and more distant community

the performance of local and national economies

customer ease of access and use of the property

customer acceptance of the property to satisfy shopping needs

the rental cash flow

the net income resulting after property operational costs

lease documentation type, terms, and stability

the mix and placement of tenants relevant to the traffic areas and entry points across the property

the clustering of tenants near each other to extend the spending of the customer

Any new investor to a retail property would assess all these issues with great scrutiny and diligence. They will impact the sales turnover figures for the property. If the shopping centre keeps turnover statistics for the tenants and customer counts from the entry points to the property, the figures will also be invaluable to landlord property analysis.

Here are some other things to consider in your property plans and strategy.

Anchor Tenants in the property should be well known in the community and support growth of ongoing trade for both themselves and the specialty tenants

Look for tenants that can achieve high sale volumes and support percentage rentals above the base rentals

Look for lease documents that support reasonable achievable rent levels and see if they have attractive escalation clauses that can be reached by the tenant without threat to occupancy and stability of trade

Some net rent lease documents will pass through a large percentage of operating costs of the property to the individual tenants thus removing the pressures from the Investor. This will provide protection to the Investor of any inflationary pressures which can occur in the future.

Retail investment property brings good returns to the investor providing they take an interest in the property future and base today’s decisions on tomorrow’s property performance. This property performance should give due regard to the relationships between tenants, landlord, customer, and community. That equation will optimise the property opportunity.…

Best Penny Stock to Buy – Turn $1,000 to $1,000,000 Through 3 Easy Steps Strategy!

Best Penny Stock to Buy – Turn $1,000 to $1,000,000 Through 3 Easy Steps Strategy!

One of the key advantage of penny stocks are that they require minimum capital to invest with. As most of us have limited funds for investment, it is critical that we are able to find a good stock that is low in price to start our initial investment.

Step 1: Look for Good performing Company

It’s vital that for every investment, we need to do our due diligence in understanding the business and performance of the company stock that we’re going to invest in. This is in line with Warren Buffet, the most successful stock investment guru, strategy in investment. The three key areas of study are:

a. Business model – Does the product or service has durability? Does it have competitive advantage?

b. Top management – Do they focus on integrity? Do they believe in the business or only for their own pocket?

c. Company financial performance – what’s the return on shareholder’s equity? Is it consistent? What is their long term debt against earnings?

Step 2: Time Your Investment

As the saying goes, ‘buy when the stock is low and sell when it is high’. You’ll need to keep track of the history of the stock price. With the correct technical analysis, you’ll realize when the stock is at its lowest. This could be due to a one-off negative market sentiment which is temporary or a structural change due to industry recession. These are the best time to enter the market as there will be a turnaround when these temporary negative sentiments are over.

Step 3: Time Your Exit

When the market is over-hyped, it’s a good chance that the next doom will be coming soon. Smart investors like yourself will need to exit the market and consolidate your funds so that when the next down time come, you’re all ready to repeat your money making stock investment again. A simple rule of thumb is to compare the company price to earnings ratio over the past years and if it hits a record high (way over the norm), it’s a signal that the market has overpriced the stock value of the company and its time to exit!

Thank you for reading this article. I hope that it has helped you in finding the best penny stock to invest and see exponential grow in your funds!…

Gold Investment, a Profitable Idea

Gold Investment, a Profitable Idea

The general state of the global economy pushes more and more businessmen and ordinary citizens to the land investment in gold objects. They give up risky investments and buy coins and jewelry made of the precious metal.

U.S. Mint sold 92,000 ounces of American Eagle coins last month, four times more than in 2007, according to Financial Times. Also in other countries a strong increase in sales of gold objects has been reported.

The main reasons for people to invest their money in gold during crisis would be keeping their value over a longer period of time, devaluation of the national currency, but also of other currencies, inflation, and low supply and demand. These reasons should be enough to consider investing or at least trying to find out more information about gold and related markets.

The current economic crisis has made gold price increase by up to 25% in the recent months. Thus, economy experts believe that it would be a perfect time to invest in gold. Compared to money or other valuables that pass through the process of devaluation over time, gold retains its value and also has a great importance in the global economic circuits.

Meanwhile, the U.S. dollar, the most important currency on the stock market, influences the gold quotation. Economists have observed that every time the dollar reaches minimum values, gold is more expensive.

According to analysts, in 2009, the dollar should have depreciated because of Barack Obama’s financial sector support plan. A lot of money added to the market lead to a devaluation of the dollar and thus increased the value of gold.

Another reason to invest in gold can be found in history. Gold has an inverse correlation with other financial instruments and this can be observed since the ’70s. At that time, there weren’t so many good investment opportunities, and following a wrong investment could have been devastating and cost you a lot of money. However, the ’80s and ’90s have brought great benefits for various portfolios, but have been weak for gold.

Since 2000 we are going through a favorable period for gold investment, and fairly weak for investing in other financial instruments.

According to a study by Pricewaterhouse Coopers, almost 75% of mining companies exploiting the gold deposits expect gold prices to go up until the last quarter of 2011, and mining company representatives estimate that gold prices will range between $1400 and $300 an ounce. The others think that the increase of gold prices will stop at $1500.

Although nobody can say for sure what will happen in the market, analysts believe that gold price will continue to rise and there are no signs that it might cheapen.…

Spending Less and Gaining More

Spending Less and Gaining More

My sister is consistently buying department brand makeup and dropping ridiculous loads of unnecessary cash. I brought her attention to the fact that she could be buying her $50 facial concealer off of eBay for $10 plus 2 dollar shipping and handling. Lets say she buys that $50 concealer facial concealer every month. If my sister is making this $50 monthly purchase she is spending around $600 a year on facial makeup alone. Yikes! Lets bring the reduced cost to $12 with this glorious invention called eBay. She is now spending $144 a year on her makeup. It’s still extravagant, but it’s a lot better! I have successfully saved my sister $456 a year with a small step. In this article I hope to shed some light on tiny little saving tips that could add up to big amounts in your bank account.

eBay

Instead of going out and purchasing that $3000 laptop, see if you can find it on eBay first. There is an option to select only new and unopened items when you are searching for your products. If you are looking for a warranty on your product, skip this option and go to the store. I have saved HUGE amounts eying something in the store and running home to check the price on eBay.

COUPON SHOPPING

I know this is redundant to say, but coupons save a lot of money if you know how to use them. Every time I go shopping; I make absolute sure to Google coupons for that specific store in case there are any quick print outs. A lot of stores are providing printable discount cards on their websites. For example, if you decide to go to Macy’s, be sure to do a quick Google search for “Macy’s coupon” before you head out the door!

FREEBIE SITES

I love free samples. Who doesn’t love free stuff? A lot of sites are aimed at taking your e-mail and contact information for spam, but I have found a few good ones that provide true daily deals. I like and .

SKIP THE FAST FOOD

I know it hurts. Letting go of those daily iced coffees broke my heart as well. Two small caramel macchiatos from Starbucks were coming out to $8 daily. That is $56 dollars a week which comes out to around $240 a month. Is it really worth it? How much do YOU spend on fast food? Do the calculations for weekly spending and it may shock you.

BE THRIFTY

Let go of your pride and check out some consignment shops or flea markets for your shopping sprees. I have found some seriously nice stuff for very low low amounts. Unless you have very materialistic friends, I doubt anyone is going to be secretly judging or questioning the authenticity of your purse.

SELL UNUSED JUNK OR HAVE A YARD SALE

As the saying goes, one mans trash is another mans treasure. If you have any unused electronics laying around that you don’t see yourself using, sell them. I have taken old parts out of unused or broken computers and sold them for decent amounts. Someone also bought a junky old exercise bike off of me for $60. is a great place to get rid of unwanted stuff.

START YOUR OWN BUSINESS

My friend got the clever idea to buy old broken Xbox 360s off of eBay and repair them for money. He has made a livable income off of this idea. If you have marketable skills, use them! In closing, there are lots of great ways to make money. It’s all about using logical thinking and making wise decisions. In this economy, one cannot afford to pass up good opportunities and savings. I hope I have helped implant some useful ideas.…

Property Asset Management: Property Investment Strategy – Part One of Four

Property Asset Management: Property Investment Strategy – Part One of Four

Every real estate investment’s performance is composed of a mix of equity-like and debt-like behaviors. From a Property Asset Management standpoint, investment funding is composed of both private and public equity. It is the correlation of the debt and equity components to the funding source that enables us to define the four primary real estate investment structures.

Consider the case of a private real estate equity asset leased to a single credit tenant with a long-term triple-net lease. The payments on the lease resemble the fixed payments associated with a bond, not with equity. In-fact the value of the triple-net leased asset fluctuates in step with the same factors that influence the value of a bond or a mortgage, such as interest rate movements, inflation, and the credit worthiness of the tenant.

At the other extreme, an equity position in an empty, speculative multi-tenant property with short-term leases is driven almost entirely by equity forces. The building’s value from an equity tranche perspective is a function of supply and demand for space in a given market, at a given time. In-fact, the debt-to-equity composition for a property investment can change with time.

By way of illustration, take the triple-net lease in the first example. As the lease ages and approaches its expiration date, the property takes on a greater component of equity-like behavior and less of a component of debt-like behavior; and at the end of the triple-net lease, the property value is only affected by equity forces.

Commercial mortgages are utilized in Property Asset Management to carve out the debt-like behavior from the property investment. For example, the commercial mortgage-backed securities market carves up the cash flows from pools of mortgages to produce bond-like characteristics in the top-level tranches and more equity like cash-flow characteristics in subordinate layers. As property investment funding is composed of both private and public equity, investors typically define these debt and equity tranches with four primary real estate investment structures:

Equity:

* Private Commercial Real Estate Equity – held as individual assets

* Public Real Estate Equity – structured as Property Funds or Real Estate Investment Trust

Debt:

* Private Commercial Real Estate Debt – held as loans or commercial mortgages held in funds

* Public Commercial Real Estate Debt – structured as Commercial Mortgage-Backed Securities

These investment structures react to a common set of influences as well as to unique influences specific to each individual structure. It is the analysis of debt and equity components of each structure that enables property asset managers and their agents to effectively structure the portfolio to meet specific investment goals. In the next two articles, we discuss the debt and equity components for several different property investment objectives.…

Investment Portfolio Strategies – What You Need to Know! – 2011 and Beyond

Investment Portfolio Strategies – What You Need to Know! – 2011 and Beyond

The world of investment and finance is dynamic. After the recent credit crunch, portfolio managers have become increasingly aware of the need to review and change strategies to match the demands of today and the future. A portfolio consisting of stocks, mutual funds and bonds for example may not be the best mix today. Knowing the right strategies to employ in this highly unpredictable global financial environment is key not only to the portfolio manager but also their clients not forgetting other individuals and interested parties.

Over the years, investors have concentrated on having a portfolio diversified with stocks and bonds with a little percentage higher in favour of bonds. This is because investors saw stocks to fluctuate more than bonds; hence there was wisdom in holding such a balance in a portfolio. If the prices of commodities such as gold, oil, diamond, Ivory, etc continue to rise as being observed now, then inflation together with interest rates will also rise forcing bond prices to fall. The trend of commodity price increases shows no signs of coming down anytime soon.

For these reasons, it is relevant for investors in stocks to also hold a diversified stock that include stocks from other countries (international stocks). For the years ahead, the best portfolio will also include stocks from the oil and gas sectors including real estate not to mention gold- with little reservation. It is also important for investors to reduce their investments in bonds or invest in only short-term and medium term bonds whilst avoiding the investment of long-term bond funds. It will also be beneficial for investors to also hold portfolio that includes some carefully selected fixed and floating money make instruments.

It is also important also to note that investors with reasonably small amount of money to invest should avoid stocks since the dividends that may be realize from this kind of decision may not be enough to support an already bad financial circumstances. Also investors who will expect a return or profit every year should also avoid stocks since dividend payments and capital gains may not be guaranteed. This is because dividend payment is largely at the discretion of the board of directors who may decide to announce the use of the profits generated for more income generation activities supposedly in favour of the company.

If you really want value for money concerning your investments, then a portfolio strategy that employs the commodities above is the way forward for 2011 and the future. These will provide you with the balance to withstand all the economic turbulence.…

Palm Beach Florida Real Estate and Palm Beach Investment Properties

Palm Beach Florida Real Estate and Palm Beach Investment Properties

Palm Beach is a fully developed community, world-renowned for its extraordinary beauty, quality of life and small-town character. It is one of the most prestigious towns in South Florida. Henry Flagler founded the town in 1911. He was one of the founder of Standard Oil.

At only 14 miles long, The island of Palm beach offers amazing spaces and places. The Town offers fantastic sport fishing, exceptional golfing, the most exclusive country clubs and some of the world’s best boating. Nearby finds a private airfield for your plane and elegant horse farms… Polo anyone?

Even with such world class amenities Palm Beach never loses its intimate, community feel. The glorious weather alone is reason to live here! Wouldn’t you rather be soaking up the sun than shivering in the snow!

Palm Beach is considered an island. Beautiful beaches and the historic Par 3 give the island the feel that you are taking a vacation. The Town also has some famous residents. One of these famous residents include Donald Trump.

The Town’s Real Estate is some of the most sought after property in the world. The luxurious properties of this amazing island are owned by some of the most prestigious people in the world. These properties can be an investment as they tend to keep their value when the economy takes a down turn.

The Island Town has some of the most beautiful homes in the world. The island is not over-crowded so there is plenty of room for new residents.

If you want to know more about the luxurious properties in the Town Of Palm Beach Florida, consider talking to an expert like Susan Polan. She’s an expert in Palm Beach properties. If you are looking to buy a house in this prestigious town please go to her site and contact her.…

Three Proven Land Investment Strategies

Three Proven Land Investment Strategies

Investing in land is one of the oldest forms of investment. It has a history that literally goes back thousands of it’s still relevant today. With an investment in land you can make a down payment on a piece of property and watch it increase in value as the years pass. It’s not a get-rich-quick type of plan by any means, but it will allow you to safely park your money for long-term growth. Investing in land is not complicated; anyone can do it. You just need to plan a conservative strategy and then follow through with it. There are many such strategies you could use but we’ll take a look at three possibilities.

One simple land investment strategy involves purchasing a piece of real estate and making improvements to it. There are many different variations on this theme. In one example, a person could purchase a piece of land and clear the brush and rocks and use it for farmland. The land could be profitable each year as the owner/farmer grows produce and raises livestock. Such an investment could produce a lifetime of income and even be passed on to subsequent generations for further farm use.

Another simple land investment strategy could involve purchasing a piece of commercial real estate. The commercial real estate could be apartment buildings, office space, a manufacturing facility, a warehouse or any other type of real estate that could be rented to a tenant. The great thing about this strategy is that the owner only needs to put down a small deposit (usually around 20 percent) and takes out a note for the remainder. The monthly rental receipts are then used to pay down the note. Eventually, the tenants pay down the note in full for the owner and the monthly rental receipts become pure profit.

Yet another very simple land investment strategy is to purchase a foreclosure property to sell for a profit. In such a scenario the owners are unable to make the payments and the bank is making preparations to repossess the property. These homes can usually be quickly purchased for as much as 20 percent below value and then resold for a profit. An industrious investor can even make a few targeted improvements that can dramatically increase the value, resulting in greater profits.…

Don’t Be One of Those Penny Stock Investment Experts

Don’t Be One of Those Penny Stock Investment Experts

Of all of the questions that I receive, there is one question that seems to be more plentiful than other. The question is this: “What penny stocks should I invest in?” There must be a lot of penny stock investment experts running around because somebody needs to tell all of these young, inexperienced investors the truth.

I guess for today, that will be me so here it is. Penny stocks are dangerous. In fact, very dangerous and although there are a lot of people who act like penny stock investment is easy, that is far from true.

First, you aren’t going to make any money until you change your way of thinking before you start investing. We have learned in our everyday life to get products as cheaply as possible. If you’re like me, you love to play the haggling game with cars. I shop all dealerships in the area and play each together. Lower price means better deal.

While that does transfer to the stock market, penny stock investment isn’t successful if you buy the lowest price stock. It is only successful if you buy a HIGH QUALITY stock at a low price. Get out of the mindset that low price means better value. 10 shares of Apple priced at $175 per share is a much better value than 500 shares of Sirius XM radio. We don’t look at price until we look at the quality of the company.

Next, penny stock investment is dangerous because of the risk/reward. If you buy 100 shares of Chevron, you can be relatively sure that the worst that will happen is a temporary dip in the price of the stock. As long as you’re patient, you will make money or at least not have a very large loss. Penny stocks are different. If a penny stock drops in value, it may never come back. The company may go out of business and your money may be lost.

So look at the risk/reward. Chevron is low risk and at least medium reward. Penny stocks are high risk and low reward since penny stocks tend to stay penny stocks.

Finally, it’s difficult to evaluate penny stocks. Often, they don’t have positive cash flow, a lot of debt, and very little longevity. Is the debt they incurred to start up going to result in a healthy company or will the debt cripple them? Will they ever have a profitable product or service or will they, one day, suddenly close their doors taking your money with them? The pros often take chances with these questions. Are you willing to lose your entire investment?

Is penny stock investment worth your time? It may be but before you become a penny stock investment expert, you should be an expert stock picker in high quality names. Don’t look at penny stocks until you have a healthy portfolio of blue chip stocks.…

Investment Capital Costs

Investment Capital Costs

Investment capital always comes at a very high price as you need to provide a substantial amount of equity to your angel investor. You can ameliorate this cost by owning a business that is already in operation or a business that is considered to be low risk. We will continue to discuss these issues throughout the rest of the article.

Writing a good business plan is one of the most important part of raising capital. When writing your business plan, you should always include a yearly budget as part your financial forecasts. If you are unfamiliar with how to write a business plan then it may be in your best interest to hire a company that can assist you in this process while concurrently showcasing the investment capital cost that will be incurred by your company.

Capital always comes at a cost. There many benefits to working with private equity firms despite the fact that they provide capital at a very high cost. Equity will almost always be required as a negotiating tool. Royalty based financing can it help you get the capital that you need without having to give up too much of your equity. Capital that is obtained through a hard money mortgage is usually extremely expensive although you will not have to give up equity in order to receive this type of investment. Hard money mortgages typically carry a term of one year to two years at most and are usually secured by real estate or tangible equipment.

More and more angel investors are investing in hard money mortgages due to the fact that there is an immediate upfront fee paid to them for providing capital. You should thoroughly showcase the tangible assets that are held by your business that can be liquidated if your business is not as planned. It is very important that you have an extensive amount of industry experience as it relates to the business that you intend to start or expand. In all transactions that are related to raising new capital for your business going to need to have a business plan. The current economic climate has made lending very difficult. Debt capital allows you to own 100% of your business at all times.

Many small business investment companies are not directly looking to take a very large percentage of your business. A breakdown of investment funds should be provided to potential funding sources within your business plan. As an alternative to angel investors or venture capital, a SBIC is able to provide you with both loans and equity as it relates to your business expanding.…

Positive Cash Flow Properties And Your Tax

Positive Cash Flow Properties And Your Tax

When investing in any income producing assets, it’s perfectly allowable to make a claim for any up-front, ongoing and selling costs of that item and when it comes to properties, it is certainly a helpful bonus to the landlord.

When you buy a property, any income you receive from that in terms of rent (or as a Wrappee payment) will be tacked onto any other income you earn although you are allowed to deduct any costs you may have for holding the property before you are charged any extra tax on it – what is left over then becomes your taxable income.

There are several different categories that determine what and when you can claim some tax benefit.

Capital Costs

Capital Costs are the first type of cost that you will run into when you buy a property – and the biggest. These include:

Stamp duty you have paid to the government on the purchase price which varies in each state.

Any pest or building inspections

Commissions or payments made to selling agents

Any costs involved with renovating the property (though renovations or additions are not advised in the case of a Wrap property)

Fees and charges by conveyancers or solicitors

Any other costs involved with purchasing or effecting the sale of the property

These costs will be taken into account at the end of your holding period (upon sale) and when calculating your capital gain for tax purposes.

Revenue Costs

There are normally a lot of ongoing expenses when you purchase an investment property and these can be claimed against that and any other income you earn to reduce your tax bill, as long as the property is income producing. In relation to a Wrap property, this list of expenses is cut dramatically in the first instance as the costs become the responsibility of the Wrappee’s. The following are a short list of things that I mean in relation to this, but it is in no way an exhaustive list:

Pest control and building maintenance

Water rates, council rates and all energy costs

Telephone charges

Cleaning, gardening and property maintenance

Repair bills

Depreciation

The tax office already has a standard way of deciding how much your property depreciates through age, wear and tear (even if the price of the property rises) and so this is an easy tax claim to make on your property. Some of the capital works deductions that are taken into consideration include such things as the driveways and paths, wiring, plumbing, gas fittings, windows, shutters, in-ground pools etc.

You can also claim back some plant and equipment costs such as any furniture, whitegoods, floor coverings etc but this is not as likely in the event of a property purchased and contracted as a Wrap.

Land Tax

No matter where you are in Australia, you will be charged land tax for any landholding outside of your principal home. Unfortunately it is also a tax that catches many property investors off guard yet is unavoidable.

Capital Gains Tax

Like the land tax, this is an unavoidable cost for investors in all states of Australia and will need to be paid at the time of on-selling your property.

This is only a very brief explanation of the types of taxes you can expect from your investment property so it really is a wise thing to get some solid financial advice before stepping into this type of investment.…

Space Applications in the England’s East Midlands

Space Applications in the England’s East Midlands

The continued development of GNSS is enabling a huge downstream market in services and equipment – 250 billion Euros plus by 2020. Today’s main markets in terms of volume are in GNSS-enabled mobile phones and Portable Navigation Devices. Earth Observation and GMES (Global Monitoring for Environment and Security) is a cornerstone of the EU’s Space Policy framework programme, with a development budget of 1.4 billion Euros (2007-13) to support the development and commercialisation of opportunities across public and private sector in support of mapping, resource and emergency management.

The University of Leicester enjoys worldwide recognition for its international research in space science, planetary exploration and earth observation science: the National Space Centre in Leciester is a A�60M science visitor centre attracting over 200,000 visitors annually, with over 10,000 students and their science teachers participating in its Space Academy and other space education programmes. Meanwhile, the University of Nottingham is a world leader in space-based applications of GNSS.

Space applications industry

Industry specialists

Thanks to our world-class facilities and strong skills base, a number of key businesses involved in space applications have chosen England’s East Midlands as their base.

Handling almost half of the European Space Agency’s total Earth Observation data collection, Infoterra is an EADS Astrium company based in Leicester. It acquires and processes airborne and satellite data, provides operational information for monitoring and managing security and the environment, and operates one of Europe’s largest commercial geospatial hosting and archiving facilities.

With proven expertise in providing reliable, robust GNSS technologies, Nottingham Scientific Ltd (NSL) is a spin-out company from The University of Nottingham. At the cutting edge of positioning technologies, they have vast experience in satellite navigation, algorithm and software development, system prototyping, performance prediction and monitoring, and project management.

International aerospace companies rely on Lincoln’s Lockheed Martin Stasys Ltd, to provide impartial systems, technology and management consultancy to public and private sector clients worldwide.

Specialising in airborne surveys, BlueSky International Limited is based in Leicestershire. With more than 30 years’ industry experience, they are experts in data capture and analysis.

The National Space Centre in Leicester was founded through a partnership between the University of Leicester and Leicester City Council, with support from the British National Space Centre and EADS Astrium. It hosts the only Challenger Learning Centre outside North America, and is also part of a regional collaboration which has set up UK’s first Space Academy.

NEREUS (Network of European Regions Utilising Space Technology) is a network of European regions with an interest in the application of space technologies, and aims to influence European and national policy on the exploitation of space technologies and applications. England’s East Midlands is the only UK founding member.…

Transforming Ways of Property Dealing – Real Estate Portals

Transforming Ways of Property Dealing – Real Estate Portals

With so many ups and downs happening in all the sectors due to global economic slowdown, investments in Indian real estate is the hottest topic for discussion. This phase of slowdown is also witnessing mass developments in real estate sector. Everyone is touched by one of the aspects of selling, buying or renting property. Apparently, changes in behavior of consumers and financial firms can be seen with the changing trends in unprecedented times.

Each one of us is generally involved in property related issues of investing, leasing or selling. Since it is difficult to take these decisions and there is some amount of risk involved, we mostly depend on property brokers and the prevalent word of mouth. These tendencies are now facing a make over with the ever growing internet penetration and the constantly increasing internet users. With user base exceeding 50 million, online property portals are set to revolutionize the real estate sector.

Real estate portals in India introduce a completely new way of sending across property related information and transactions. The developed real estate markets abroad are accustomed to the concept of online portals but it is comparatively new for Indian sellers and buyers. Even as the popularity of these portals in India is growing, it is expected to burgeon in the coming years. Number of listings and conversions of both residential and commercial property is multiplying everyday. Moreover, the feedback of both buyers and sellers of real estate in India has been favorable.

Online property portals are a platform for exchange of information relevant to property. They display residential and commercial property listings; buying, selling and renting options; other recommendations for property registrations, property loans, property laws, property news, etc. This newly developing trend of portals has made internet an acceptable as well as effective medium for real estate transactions. Both property sellers and property buyers find this medium highly cost effective, descriptive and extremely helpful.

For real estate sellers i.e. the supply side Internet is useful in more than one way. It can be noted as following;

o Advertising on internet allows more descriptive ads as against space restricted print ads.

o It enables lower costs as compared to other modes of advertisements.

o It offers various add on features like virtual walk through, uploading video clips, online databases, archives of listings, etc.

o Internet is the most interactive way of advertising as it connects the sellers with the potential buyers through chat messengers, etc.

o It extends more exposure to targeted buyers and offers measurable returns.

The real estate buyers i.e. those who stand on the demand side of property also find internet a feasible way of looking for property because:

o It is convenient and time saving to search for available property online than visiting real estate agents and waiting for their response.

o Portals reduce dependability on third parties as all the information and listing are available online.

o There is no limitation to number of properties available as property agents are generally popular within a particular area.

o The search and comparison between properties according to localities, etc has become effortless as portals are doing that too.

o Buyers can soon make online transactions, see featured galleries and walk through vacant properties.

The current times witness tenants and landlords interacting in a high tech way. The concepts of ‘automated transactions’ and ‘smart buildings’ is gaining popularity on this front. Apartment owners and commercial builders welcome automated rent payments, placing of work order requests online, display of facilities management, etc.

Creating a system that blends bricks and clicks is instrumental in changing the face of Indian real estate sector. Internet connectivity and meeting of buyers and sellers online only further enthuses the property market.…

Business and Investment Opportunity Alerts

Business and Investment Opportunity Alerts

If you want to explore new money making opportunities, you should consider becoming a currency trader; if you decide to do so, you should know that the basic knowledge and understanding of the foreign exchange market is not enough. It could be sufficient at the beginning, when you start trading in the Forex market, but once you are past the beginner’s level in trading then you should certainly find the way to advance.

There are some forex trading programs though that tend to do everything in a fully automated mode; this means that they predict but also execute the trades. This is something that is both good and bad, depending on what kind of trader you are. Some people who enter the market find that very beneficiary, because simply they don’t know how to deal with the market; they follow the operation of the system and they are happy with it.

There are though some other traders who find that very annoying, because they cannot gain enough experience this way. The fully automated systems require minimum or no observation at all, which means that they cannot follow the trends and they just get the results at the end of the trading you want to start trading online you can probably try them, but always make sure that you are cautious enough; ask for recommendations and read reviews before doing so.

Robots can detect the trends before they actually appear; growing trends are actually the best ones to follow and this is something that robots can detect early enough. Robots will give the traders the pieces of advice and information they need in order to make the right decisions and execute the right trades at the right time.

Remember that it’s not a good idea to be too ambitious and too confident when in currency trading; move to another pair when you are really familiar with the first set and once you have mastered your strategy; you need to be able to make good decisions and the ability to implement more than one strategies is more than essential. It will keep you on track no matter what.

You cannot expect anything in day trading generating 100% winners all the time, but if the robots can generate a good percentage, that is a great plus for you, especially if you don’t have the time to follow the market closely and you need someone to do the research and update job for you.…

What to Consider When Making a Smart Real Estate Investment

What to Consider When Making a Smart Real Estate Investment

Real estate is the largest purchase most people with make in their life so it is crucial to think about a long term investment strategy when doing so. The old adage “location, location, location” is the key to smart real estate investing. Purchasing a home in sought-after areas is an easy to way to ensure you are making a smart investment. These areas tend to have low crime, great schools and accessibility to highways, which leads to more demand than supply. Keep in mind that just because a home appears to be a “deal” doesn’t mean it is necessarily a good investment. You still want to take in consideration the location, the neighborhood and other surrounding factors before making a final decision. I like to remind my clients that the actual house is secondary to these other external factors that you cannot change and have no control over.

Getting a good price on a home is also an important strategy when making a real estate investment. You definitely want to make sure you are buying within the area’s price range, if not lower, to ensure you won’t be in a negative equity situation. Reviewing comparables with your Realtor will help educate you on what a fair, or even aggressive, price is for the home you want. If a home needs some cosmetic upgrades, many buyers will ignore that house as an option because they tend to overestimate how much (or little) time and money it will take to get the home up to par. Many times a home is listed 10k below market value simply because it needs 3k worth of paint and carpet! This scenario would make for a terrific investment!

Lastly, you are going to want to stay in your home long enough to build up some equity. Sometimes this may mean possibly selling your home when the market is at its peak, which could be only 2 years after buying it. Other times it could mean staying in your home for the long haul so that you can wait for the next peak to arrive. Be sure you have decided on a home than is flexible if your life circumstances suddenly change. Things like a new baby, aging parents or sudden injuries or surgeries can sometimes make people feel like their current home just can’t work anymore and are forced to move before having enough time to build equity. So while not every house can fit every life circumstance, it is important to consider the “what ifs” when finding your new home.…

Hybrid Bikes – A Great Transportation Investment

Hybrid Bikes – A Great Transportation Investment

Hybrid bikes offer a great, comfortable ride for any rider, whether you are a beginner or a more advanced rider. These incorporate the best features of the mountain type version and the regular road version. So the end product will achieve high speeds on road surfaces and will also be able to take on the dirt pathways of the off road trails. There are many such bikes available today and you may want to consider buying one as a tool to exercise with, to have some fun with or even to use as an alternative way to get to work instead of driving your car.

What make them ideal for these uses, are the great pedal efficiency and the comfort they provide. The light weight nature of these and their easy pedaling is a feature you will find in all of them. Some models will even cater to off-roading activities.

Many features distinguish these hybrid bikes from the regular versions and are as follows:

· The body is designed to facilitate easy pedaling and great comfort.

· The combination of the lightweight materials used in the design and the extra smooth suspension will allow you to move very fast even while enjoying a ride that provides excellent shock absorption.

· The ability to adjust how you are seated on the bike has been designed into the models.

· The adjustments will allow you to sit in an aerodynamic position or you may opt for a more upright positioning.

· The seats come with get type padding, are ergonomically designed, and are soft and very comfortable. They are built with a flexible frame and anatomical shapes. Should you decide to use you bike to work, this feature alone will make it a comfortable commute.

· The handling of rough roads is helped by the suspension structure of these hybrid bikes, and that same structure promotes easier control.

· The tires are designed to take high air pressure and that makes traveling for longer rides that much easier and it also makes reaching faster speeds much easier.

· The usual jolts and bumps are not experienced with the hybrid bikes, instead it consistently provides a more comfortable and smooth experience.

· Suspension seat posts are a feature on many models. This suspension seat post feature will add immense comfort and ease the bumps you may experience when negotiating obstacles such as curbs.

· The gearing mechanism is easy to use and consists of two sets that allow from 16 to 27 gear combinations which make a commute to work or a country side ride equally possible.

· The braking system is excellent and allows for effortless control of both speed and braking.

Because of the fast growing popularity of these bikes, you will find a large variety of models on the market today as more manufacturers are making them. The quality, comfort, and attractive pricing of these hybrid bikes is making then a preferred choice for many people who are now choosing them to commute to work. Research can easily be done on the Internet to find and review the models and features available. As with most products on the Internet, you will be able to ship the product to your door in record time.…

HDFC Systematic Investment Plan – Tips to Invest

HDFC Systematic Investment Plan – Tips to Invest

HDFC SIP plan is really well known and has produced great results in past years. They are giving you the option to invest on regular basis; and the process of investment is really easy and cost effective. SIP of Systematic Investment Plans are rather monthly investment plans to provide you the facility of saving a small amount each month and getting compound benefit. You may consider this as a recurring deposit with a locking period of 3 years. The SIP invest are also valuable for the companies as they give them more number of customers and the locking period enables them to utilize the funds in proper places.

There are numerous ways of investing into HDFC SIP plan. As it has been listed to be one of the top 20 best return giver in last years you will get good number of brokers also giving you the facility of investment and describing the features of its invest. The facilities that are the key reasons for investing into HDFC SIP are like

Economical saving system at the time of recession.

A savings plan for all the classes of people.

HDFC being a brand in India with almost its foot in every aspect of financial sector the faith comes automatically.

The SIP funds make the average cost go down for your buying per unit.

There is compound benefit seen in the HDFC SIP.

Monthly investments start with HDFC with as low as 100 to 500 Rupees a month. So you may consider this to be economical and a way of saving you were searching for years. You will also get the benefit of online transfer. HDFC offers the cost go for the right thing with a wide range of investment plans even in SIP.

SIP with HDFC is easy and details can be collected from their site only. With the current recession it is the best to go for SIP as this will allow you buy more units when the NAV is low and low number of units when the NAV is high. HDFC top 200 scheme is an answer for many of your goal achievement where it has shown a result of 30.6% profit last year whereas in not SIP invest it has shown a growth of 27.51%.A�…

Stand Out From the Competition – Make It Fun For Your Customers to Do Business With You

Stand Out From the Competition – Make It Fun For Your Customers to Do Business With You

People like to have fun. They like to be able to enjoy themselves. One of the best opportunities for pleasure can occur when they do business with your company or organization. Laughter is one of the few languages that is spoken by every human being. When your customers are met by cheerful, personable, and positive employees, chances are those customers will enjoy spending their money and do even more business with you.

Let’s examine the psychology behind that kind of thinking. One of the main reasons why customers quit doing business with a company is a feeling of indifference they receive from the frontline personnel that serve them. Many times, your customers take personally the type of service they receive. If they receive poor service, it can very easily be interpreted as a form of personal rejection. Conversely, if it is very good service, it can be interpreted as a sign of respect and acceptance. Naturally, our customers prefer the latter form of service.

Taking this discussion one step further, when a person experiences joy or laughter, endorphins are released from the brain. An “endorphin” is a natural morphine-like substance that is produced within the human body. It creates a euphoric-like state that allows a person to experience physical and mental feelings of pleasure. A person feels good. In a similar way, when a person receives the kind of service that can be interpreted as a sign of respect and acceptance, he or she can actually experience a release of endorphins. Thus, when a customer comments to you on how they like doing business with your company, recognize that there is more to it than just words.

What does all of this have to do with your business? The key is to let the fun side of your personality show. Your example will serve as a good role model as well as a reminder for your employees and co-workers. By setting the pace in your business in terms of behavior, your customers, employees and co-workers will appreciate it.…

Figuring Out Funding When Your Business Is Growing

Figuring Out Funding When Your Business Is Growing

Most business articles focus on financing and survival issues when trying to get a business up and off the tarmac when you first start out. Less is said about the financing issues you can run into once you are up and running. That ends now.

Being a small, growing company with little history places you in an odd area when it comes to commercial financing. You aren’t exactly new, but also aren’t established. This makes you a bit of a ghost as far as lenders are concerned. This is often bad news since you usually need financing to grow a business since you need to buy things like equipment, hire more employees and so on. When seeking such financing, there are many things to consider. Here are five important ones.

Business Plan

Look at it this way. You want a financial institution to grant your business a loan. They have no idea about your business and thus the onus is on you to provide them with as much information possible. It will need to describe your business, detail the start up, where you are now headed and why money is needed to make it happen. Put in facts, facts and more facts!

Credit Report

You might be surprised to learn you have business credit. Well, you do and you need to check it frequently. The lender is going to go over it with a fine tooth comb, particularly given the current lending environment. Make sure yours is buffed to a shine so it doesn’t cause you problems.

Investment Options

The bank down the street may be a financing option. Then again, it might not. You need to think big when it comes to financing. Spend a good bit of time researching the options available in your area. You might be surprised to learn that agencies that regulate your industry, such as the USDA, also offer loan programs. Your starting point should always be the Small Business Administration, an agency that is actually tasked with the mission of helping companies like yours. Imagine that!

Valuable Rejections

Rejection is a part of life as we all know. If your financing package has been rejected, don’t just head to the bar. Ask questions of the lender. Don’t be a jerk. Just try to find out why you have been rejected so that you can isolate the weak points of your presentation or business profile. Then fix them and apply with another funding source. In short, learn from your mistakes.

Commercial financing is a world unto itself. Treat it as such and you’ll find that getting financing is not only possible, but probable.…

Gold Necklace With Ruby and Other Stones

Gold Necklace With Ruby and Other Stones

Keeping into account the contemporary world, when economic decline has been at its peak, and no commodity has retained its value, gold has been receiving immense amount of interest in terms of value and worth. Investors have started looking upon it as a stable source of investment through which they can gain a lot of profit without facing any loss in the long run.

Yet, the fact cannot be ignored that gold is, above all, a beautiful ornament. It has become a commodity in the world of today, yet there was a time when it was employed and purchased extensively for jewellery purposes. Even nowadays, people who have a lot of jewellery collection are considered as people with secured future. Yet, if you notice, for them, gold still stands as a beautification ornament. It is an embellishment of their personality and tends to enhance your outlook with a certain aura of dominance.

Therefore, you may find how much gold necklaces have been in demand for centuries. Traditionally speaking, gold has been very popular in Arabic and Asian Countries, where gold is considered as a compulsion to be worn on occasions and various formal events. Since it can be moulded into any form, you may see how gold is worn as necklaces, rings, earrings, bangles etc.

Focusing on gold necklaces, many stones have also emerged that can be blended together and give an altogether enhanced and attractive look. For instance, you may easily find gold necklaces studded with emerald, pearls, sapphire and rubies. These stones are highly precious yet you may simply find replicas all across the globe. Stones tend to be more prominent in a necklace. They serve as the colours that are added to a canvas. When it comes to stones, the value of gold and its weight is augmented.

Although these may look very attractive, but when u want to modify any change in the outlook of the necklace, the stones are not given any value until and unless they are original.

You may find gold in various forms. Some are labelled as designers, classic, modern and some fancy. They have different shapes and designs, but all inculcate a traditional look.

When you go to a jewellery shop, you shall see a wide range of gold necklaces that would include hand crafted harem, floral necklace sets that are usually studded with synthetic stones, and gold necklaces that are fitted with marquise-shaped emeralds. You may also find gold harem for brides, traditional hand-crafted gold necklaces, and rhodium coated ones and some are antique styled. You may also get hold of party wear necklaces that are studded with stones like emeralds, rubies and sapphires.

Lastly, you may also observe how Indian women tend to wear “mangalsutra” that are usually gold necklaces with various beads. Most are usually black in colour, but as the time is progressing, people have started showing some bent of interest towards other stones like rubies, emeralds, sapphires and pearls as well.…

What You Need to Know About Selling Rental Property

What You Need to Know About Selling Rental Property

Selling rental property can be one of the most financially rewarding experiences any real estate professional can encounter during his or her career. Aside from maybe the residential mansions in Beverly Hills, apartment buildings are commonly sold at prices that exceed residential property prices and thus generate more commission dollars for both the listing and selling agent.

It is not unlikely, for instance, that in a market where the average sales price of a house is $250,000 that a ten-unit apartment building one block over will sell for two-to-three times that price. And when you do the math (assuming a six-percent commission) even conservatively, the result would be $30,000 verses $15,000.

Another advantage associated with selling rental property comes in the form of what I will simply call “the benefit of repeat business”.

Once you sell a house it’s probably safe to say (barring something irregular like a job transfer or change in finances) that the buyer is no longer a potential customer for about five years. On the other hand since it is “investors in real estate” who purchase income property you are always faced with the potential that your customer might want to invest in more rental property; or given the right set of circumstances may even want to exchange one investment property for something larger.

In other words, when you sell investment property, you work with investors by association and therefore are always in a position to acquire repeat business and reap the benefit of additional commissions.

This was true with the first investment property I ever sold to an investor and in most transactions I was involved during the years since just as true. Real estate investors by their very nature are always looking for a property (or another property) that will make them money and this means repeat business for you and as a result more commissions earned.

Fair enough, but you can’t enter the income property arena thinking like a residential real estate person. There are a few things you need to understand about real estate investing protocol to be successful at it.

When you sell rental income property, you need to present the numbers. It’s not enough to simply point out the on-suite bathroom and large walk-in closet because real estate investors are only interested in the bottom line: “How much money does it make me?”

You must present the cash flows, rates of return, and profitability numbers for every rental property to your investors otherwise you could merely “pound sand” and lose the opportunity. This is not difficult with good real estate investment software.

It is also a good idea to become familiar with some of the essential returns real estate investors look for in a property when making an investment decision. Otherwise you will appear less-than-capable of working with rental property and lose credibility with the customer. Amongst other things learn how to compute capitalization rate and cash-on-cash return and understand the role of an APOD and Proforma Income Statement.

The truth about selling rental property is that you can make money at it; what’s more, it is not really that difficult. Once you make the decision to get involved visit my website and read the free real estate investing articles and learn about my real estate investment software. These are designed to help agents like you to get started off on the right foot.…

Investing in Foreclosed Homes

Investing in Foreclosed Homes

In this day and age we have the unfortunate situation of foreclosures across the US. But for some foreclosed homes are an opportunity for those want to buy investment property.

If your thinking about getting a loan for one of these types of properties you’ll need to know a few things. Getting a loan for a foreclosed property is like getting a mortgage for a residential property.

One key different for a loan for a rental property is you’ll typically pay a higher interest rate. You’ll also need to have specific information available to your lender in terms of rent that will be collected to make mortgage payments. Many of the programs that are available to residential owner occupied properties won’t be available to those looking at rental property.

Many foreclosed homes are in rough shape since many people do a number on the houses before they leave them. You’ll need to select a home that’s in decent shape otherwise most lenders will pass on them. You’ll have to have all the information for the lender available cause they will want to see that you’ve done your homework and not just the home but the market as well.

In order to get prequalified you’ll need to know what the guidelines are for investment property, you’ll lender will give you all the details. If you’re going to attend an auction you’ll need to have a significant amount available for a down payment to secure the property while you set up financing, just food for thought.

Auctions can be a gold mine in terms of investment properties but keep in mind you are not the only guy that’s showing up with a big checkbook. Many pros have all the tips and tricks of the trade and you’ll get no time to inspect the property before you buy so you’ll need to know what to look for in terms of information. If you’re starting out it’s probably best just to wait for the properties that don’t go at the auction and are on the open market available for all. You’ll get more time to have the property inspected and uncover whether or not is a solid property fit for an investment.

Investing solo can be very scary so if a friend or family member has an interest in starting out in real estate investing and the fit is right joining forces and minimize any losses. Combining the due diligence effort will help with whether or not you’ve found a solid gem to invest in.…

Stay at Home Mom Job Description

Stay at Home Mom Job Description

A lot of mothers that stay at home to raise their children are looking for a stay at home mom job description.

Affiliate marketing offers a wide variety of opportunities to earn income from home.

With affiliate marketing you can earn money online by promoting products or services from other companies via your website. When a customer clicks on a link on your site and then buys something, you earn a commission. A commission is a percentage of the total cost of the product that is sold. All you need to do to get started is sign up with an honest and legitimate home business program. This can be done for less than 25 dollars including setting your new website up. It’s also important that the home business program you sign up with offers free training and support. This way you can learn all you need to know to make your home business successful. Another good thing to look for in a home business program is to find out if they can set your new website up for you. In this case you only have to come up with a domain name for your new site and they will set your new income generating website up for you. This can be done within 24 hours.

The things you don’t want to look for in a stay at home mom job description are the numerous scams that claim to make you rich overnight or require a lot of money to sign up for without even offering free training and support or a free website. Those home business programs are only after your money.

When you do find an honest home business program that suits you, you can have your new website set up for you within 24 hours. Once your website is set up, you can get creative and customize your site until it has the look you desire.

The great benefit of this type of home business is that you only have to put in a few hours a week and then your website does the work for you the rest of the week. Another benefit is that customers from all over the world can buy products via your site, so your site can make money 24 hours a day, 7 days a week.

Finding a good stay at home mom job description isn’t difficult, just keep these few tips in mind and you can successfully start your own home business.…

ETFs Versus Mutual Funds – Which is Right For You?

ETFs Versus Mutual Funds – Which is Right For You?

In recent years more and more investors are selecting Exchange Traded Funds (ETFs) over mutual funds. But what exactly is an ETF, and how do they differ from the mutual fund? The two have some similarities such as allowing investors to diversify their assets among numerous sectors of the market. However, there are several important distinctions worth noting.

Tax-Efficiency

If you own a mutual fund, then you have probably experienced a year-end capital gains distribution (even if your mutual fund had a negative return for the year) because trades made by the fund sponsor throughout the year flow to its shareholders. Depending on the size of your portfolio, this can create unwanted and unpredictable tax consequences at year-end. ETFs, however, do not have capital gains distributions because ETF sponsors do not transact with their shareholders. ETFs are traded among other investors. Hence, capital gains/losses are controlled by the investor making them highly tax efficient.

Liquidity and Transparency

While mutual funds investors can only buy or sell their shares directly from the fund sponsor and only at the end of each day, ETFs can be traded throughout the day just like stocks. Investors not only can actively trade ETFs, they can also employ the same trading strategies that apply to stocks (limit or stop loss orders, short-sales, and options). In addition, it’s easier to “look under the hood” of an ETF, because unlike mutual funds, ETFs report their holdings daily, giving investors up-to-date information.

Cost

Mutual fund companies, regardless of size, incur significant record-keeping expenses to keep track of all their shareholders. ETFs, however, are low-cost and do not have such expenses because they are traded among investors just like stocks. Unlike some mutual funds, ETFs do not have sales loads or require minimum investments; investors only have to pay a commission to their brokerage firm to trade ETFs. In addition, most popular ETFs are extremely liquid, as millions of shares are traded each day. This allows investors to easily trade their shares with minimal impact on price.

Based on this information, you may assume mutual funds are no longer good investment options; however, is not that simple. There is no hard and fast rule, but here are some good rules of thumb to determine which is right for you:

• Many mutual fund companies have low minimums to start (as low as $25), but commissions to trade ETFs make such small purchases very cost prohibitive.

• If an investor plans to dollar-cost-average (buy a fixed dollar amount every month) or reinvest dividends, then a mutual fund is a better option.

• Mutual funds are effective for gaining exposure to a very specific sector of the market. For instance, it may be more appropriate for an investor interested in investing in international high yield fixed income or a specific country.

The growth in ETFs has exploded in recent years, and according to estimates by the Financial Research Corp. of Boston, ETF assets will most likely reach $1.4 trillion by 2011. And while mutual funds still remain the dominant investment vehicles in individual retirement accounts where the bulk of investor assets are held, it is important to determine which, mutual funds or ETFs, is right for your unique circumstances.…

3 Keys to Getting the Best Home Investment Program

3 Keys to Getting the Best Home Investment Program

Today there are several different stock programs on the market which will generate analytically picked stocks which are set to go and profitable trends so that you can invest accordingly without needing the experience or time to invest yourself. These programs are modeled after programs which professional traders use to anticipate market data but are available on a home based scale.

All you’ve got to do is invest in the corresponding picks which they generate to make reliable money. Not every home investment program is as good as the next, so here’s what to look for to get the best stock program for the money.

First, look for the home investment program you go with to focus entirely on cheap stocks. Penny stocks perform with much more volatility than greater priced stocks as it takes virtually little trading influence and send them skyrocketing value. Some home investment programs exclusively target cheap stocks for this reason, because if you can find a cheap stock which is set to go on a profitable jump you can make far more money on it than an initially greater valued stock.

Next, go with a home investment program with a money back guarantee on it. Most importantly for the reason for doing this is the fact that it enables you to test the program first hand. This entails getting the program, receiving a handful stock picks, and following their performances along in the market accordingly. I’ve done this with every home investment program I’ve ever used and find it to be the best indication of whether or not this program is worth your money.

You can also check out a user review site or two to learn a thing about the most popular, not to mention the least popular, stock programs on the market. You can learn interesting insights about these programs which you likely never learn from the publisher themselves.…