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    Things to do before investing into a high yield investment program

     

    We have compiled a short list of some of the things you can do before investing into a program to make sure you get the most for your money: #1 - Search all HYIP forums for the name of the HYIP. Check for people spamming about the program, as this usually is a sign of a short lived scam. Look for people's opinions. Often those who have been investing in HYIPs for some time are the ones with the best insite. Most importantly, look for complaints of people who have not been paid. #2 - Do a search on google. Copy small parts (1-2 sentences) of the text from both the hompage and the page with information on how they make their returns. Paste it into the google search bar with quotes around it, and see if anything comes up. A good amount of the time, google will return results that are an exact match, usually a professional traders website. Also, do the same thing with any images of people that are shown to look as though they are the admin of the program. Simply get the name of the file that the image is uploaded as by viewing the properties of it. Then paste this into the google image search. You will be amazed that a lot of the time you will see that the image is a direct copy from another site. This proves that the admin is lying. #3 - Email the admin. Ask some good questions such as, where are you located, how long have you been around, and how do you make your returns. The common answers you will receive are United States, 2 Years, and Forex trading. Usually if these are the answers the admin is lying to you. about 75% of all new HYIPs claim that they have been paying members offline for over a year. 99.9999% of the time this is a lie. If an investing firm is able to deal with members offline for 2 years, there usually is no need to go online with their business. #4 - Look at the main HYIP rating sites. If it looks like a program has been cheating the ratings by voting for themselves, or it looks like they may have hired a paid voter, then stay away. You can usually tell if a program is cheating by trying to look at what else each member has voted for. Also check the voters IP, maybe the cheaters were not careful and didn't use a proxy All in all, if you follow these 4 steps you will likely be saving yourself a descent amount of money in the long run. HYIPs are extremely risky, and these steps alone do not guarantee success. They only improve your chances of walking away with profits.

         
    Three ways to maximise your roi when purchasing investment property part 1

     

    Property Investment is one of the oldest forms of wealth accumulation and should always be part of a larger portfolio of investments so as to balance out your risk. However, unlike other paper securities, the financial value of a house or for that matter any other investment property does not vary very much. Granted it may increase slightly over time or drop a little during a property slump, but this is marginal. That is why banks over time created a separate type of loan for real estate as opposed to other forms of movable chattels and this is the mortgage. This article series will highlight for you three ways to make more money and maximise your return on investment (ROI) when purchasing your property. The first method is for you to increase your ROI by using leverage from the bank. When you purchase with your own money and then use the bank’s money to pay for the rest of a property, the return on investment would be the total cash flow minus the interest paid out to the bank and this would trump purchasing the property merely using your own money. So in other words, your return on investment would increase because you are in effect using less money to make more profit and this is the basis of the concept of financial leverage in real estate investing. A separate spin on this idea is for you to always divide up your initial capital into several lots and purchase several plots of property at the same time and generate several cash flows from your property investment. Note that while doing this, always have an eye out for which part of the property cycle you are purchasing in. If you purchase a property during the rental boom years, there is a chance that your cash flow calculations might not hold during a downturn in the economy, thus always take a more conservative outlook to your cash flow calculations. In conclusion, using financial leverage from a mortgage can be used as a way to increase your return on investment. However, mortgages are complex instruments and the best way for you to get the best deal is to find a mortgage broker who can then do the maths and determine the best mortgage for your particular property investment. Remember its not how much you make in gross from your rental property, but how much you get to keep after taxes and interest payment that is key to making money from property investment. This is a three part series and we will continue in the next article on how to buy a property at a bargain and boost your property investment ROI.

         
    Time to combine your 401k plans

     

    2006 is the twenty fifth year of the 401k investment plan. Have you had more than one job in the last 25 years? If so, then you probably have more than one 401k plan floating around. 401k plans are now over 25 years old. They seemed a unique idea at first, but now just about every employer offers one. And I’m sure I don’t need to tell you that they are a great way to save and earn money over the years. The issue here is whenever you setup a 401k, you usually diversify your plan with your employer. Obviously, you must invest using the current options your employer offers, which is good. Investing a little in the high risk, some in the moderate risk, and some in the lower risk funds its typically the plan. You may have been a little more open on taking risk 20 years ago than you are today. Maybe now you are a little more conservative in your investment goals. So you think you are diversified, right? Not really… especially if you have ten plans with ten different employers. Remember you tried to diversify each one when you set them up. Well, ten different plans diversified the same way means that your portfolio is not really diversified at all. One employer’s moderate risk program may be another employer’s low risk plan. Your 401k 15 years ago where you invested in “tech” stocks was probably a high risk option. Now some of those high tech stocks are the most conservative investments. The only way to manage your multiple 401k plans effectively is to combine them into one plan, under one investment portfolio and review it at least annually. One of the great things about 401k plans is they are transferable. The important thing is not ever to close a 401k and reinvest it, this is a taxable event. You can easily transfer your old 401k plans into an existing or a new 401k so you can manage your risk. This is one time when “everything under one umbrella” is the way to go.

         
    Tips tricks to investing in property

     

    Property investment has a lot of potential benefits, and it can help you build up a substantial wealth, in time of course. However, property investing has some risks, and no one can gurantee that everything will go ok and that the money will build up. Less risky than shares, property investment attracts many people and has two major benefits : the tax advantages from negative gearing and the capital growth. Negative gearing in property investment means buying with money that came from a loan that has the annual 'rent' less than the loan interest and the expenses paid for the property's maintenance together. Doing this brings benefits from taxes and the most important thing is the interest of your mortgage. Capital growth represents the money made from the value of your properties. This is not guaranteed, because you have no guarantees that the value of a property will raise. If you plan on starting to do some property investing you don't have to start by investing in a place where you also live in. You can for example buy an apartment that you can then rent out. Furthermore, property investment that's done in a place which you are not going to occupy takes some of the stress and emotion of what and where to buy. One of the first things you must consider after you've decided do perform a property investment is where to buy. It is recommended that you try to buy in a growing area that provides everything a tenant is looking for: shops, transportation and leisure. Another useful tip if you plan on renting is to choose an apartment instead of a house because they are easier to maintain and a great part of the expenses are shared with the others. A risk in property investment is that the value of the property you bought may decrease, and you may be forced to sell the property quickly, so consider this when buying and try to pick an area where you know you can always sell the property with no efforts. And the last advice about buying and renting a property is that before doing the property investment you can ask a little about the history of tenancy in the area, if there are many tenants, if there are periods when the apartments aren't occupied. After doing the property investment in a property that will be rented you can pay your 'rent' for the loan from the bank, if you got one, and when the 'rent' is finished you will no longer be negatively geared, but positively geared. This way you've made your property investment pay for itself. Not being negatively geared anymore makes you lose the tax advantages, but you should still be able to make profit. If you want to get into property investment but you feel that you don't have the time to manage and take care of everything, you can hire a property manager that will take care of the property management for you. The fee for such a thing is somewhere around 5% of the profits, but it has many advantages, you save a lot of time and you will benefit from the experience and knowledge property managers have in this domain. These people deal with rentals and tenants daily so they know a lot about this. Another thing you need to do is trying to keep up with all the changes that occur in property investment and property investing taxation laws. These are the basic things you should know about property investing, if you want to start investing into property

         
    Tips to build a successful portfolio

     

    Walking through the financial maze of stocks, bonds and mutual funds can be quite a challenge. American Century Investments offers the following tips to give you the know-how on building a profitable portfolio. * Know your goals. Consider how much money you'll need for your children's education or your retirement. Whatever your vision for the future might be, set your goals and develop a concrete plan for meeting them. * Define your investment time horizon. If you're not planning on retiring anytime soon, you might want to have a portfolio that includes more long-term investments. If retirement is just around the corner, consider a more conservative approach. * Determine your risk tolerance. Figure out your risk comfort level and compare that with what you can afford. In general, the longer you have to invest, the bigger risk you can take. * Consult a professional. In order to avoid financial pitfalls later on, it is often wise to seek professional guidance when putting together a portfolio. "Recent research shows that investors continue to grapple with some of the most basic investment concepts, suggesting a greater need for financial advice and guidance," said Doug Lockwood, a certified financial planner. To help investors meet their financial goals, American Century Investments has developed On Plan Investing, a program designed to help investors build and maintain diversified investment portfolios - at no additional cost. Combining educational tools, advice, market insight and investment products, On Plan Investing helps investors develop a personal investment strategy, whether they are new to investing, seeking guidance but still want control over their investment mix, need help positioning their portfolios with a long-term perspective or need help understanding how the markets work.

         
    Tis the season

     

    Christmas and (insert your favorite holiday here) come but once a year; earnings season on the other hand, comes four times a year. And while earnings season may be devoid of streamers, balloons and cake...the outcome can be just as festive for penny stock investors. While blue chip giants are bemoaning the start of earnings season this week, those interested in penny stocks or small-cap stocks have reason to cheer...or at the very least, be extremely optimistic. After nearly six years of strong performance, small-cap stocks headed into 2005 with many industry analysts saying the honeymoon was over. Small-cap prices were too rich they said...the Johnny-come-lately lemmings were too many...and the bargains too few. Not surprisingly, penny stocks sailed through 2005, beating their larger counterparts by an equally large margin. For the 12 months ended May 1, 2006, the Russell 2000 index of small-cap stocks returned 31.5%, compared with 14.1% for the Standard & Poor's 500 index of large-company stocks. The longer view is even more impressive. Since March 2000 (the official start of this rally) the Russell 2000 index has posted an average annual return of 7.3%, vs. -0.6% for the S&P 500. Clearly the penny stock soothsayers are i) not worth listening to ii) not invited on my honeymoon. Now, just because penny stocks have been performing well does not mean that earnings season is a foregone conclusion. In addition, you cannot compare the results of your favorite penny stock pick with those of the blue chip juggernauts. For example, earlier this week one of the market's bellwether stocks missed its revenue forecast for the quarter. Analysts pounced noting that the company's share price "tumbled" 4% on the news. Another company's missed forecast sent its stock "plummeting" 4.7%. Penny stocks don't tumble or plummet 4%. In the world of penny stocks, a daily drop or gain of 5% - 8% is commonplace. Now, should the penny stock on your radar screen climb 10%, 20%, or 50% on strong earnings...that could be described as significant. Granted, the earnings results from large-cap stocks are a litmus test to how well our economy is doing...and is expected to do. Fortunately, penny stocks don't follow the same rules as their leviathan counterparts. Penny stocks can defy logic and perform well in bad times...or perform poorly when times are good. The point is, you can't read your penny stock company's fiscal results through the same glasses as you would a triple digit goliath. Penny stocks march to their own tune and experience daily climbs and drops that would churn the stomach of most Wall Street analysts. Which is fine...most Wall Street fat cats are happy with a 7% return on their safe, boring investment. Penny stock investors are not.

         
    To invest in sweden s uranium exploration or not

     

    There is a compelling political development in Sweden you should know about. The outcome could very well impact the world’s anti-nuclear movement and open the doors to a wave of more aggressive nuclear energy build up. Sweden has long been a bellwether for social progress and change. Shortly after Three Mile Island, the Swedes held a referendum on expanding nuclear energy in their country. Sweden voted it down. But, political climates change. What happens in Sweden could help change attitudes toward nuclear energy in Australia, Germany and elsewhere. A country’s election can have a widespread ripple effect on an industry. Sweden’s four-party opposition bloc, known as the Alliance, is challenging the Social Democrat-led government for control of the Riksdag, the country’s parliament. One of the Alliance’s main objectives is to cut the country’s property tax, and eventually remove it. Each year, Swedes must pay a tax equivalent to one percent of a single family home’s tax value. The other item on the Alliance’s agenda is moving forward with the country’s nuclear energy policy. Exactly two months from now, on September 17th, we predict Swedish voters will choose the center-right alliance, comprised of the Moderates, Liberals, Christian Democrats and the Centre party. Amid other reforms, Sweden’s nuclear energy and uranium policies may be revived. The Centre party, which had supported phasing out nuclear power, has now thrown in its lot with the Alliance, realizing there isn’t an alternative to nuclear for the time being. Sweden’s Dependency on Nuclear Energy At first glance, we bought the same anti-nuclear propaganda the rest of the world’s media swallowed. In other words, we were misled into believing Sweden was phasing out its nuclear power plants. Perhaps, you had also concluded Sweden was shutting down its nuclear fleet. The reality is quite the opposite. Only two reactors have been shut down – one in November 1999 and another in June 2005. The country’s ten nuclear reactors produce about 75 billion kWh. This has accounted for as much as 51 percent of Sweden’s electricity production! In 2005, about four percent of Sweden’s electricity was exported. The major media would have us believe Swedes are anti-nuclear. This conclusion was reached after Sweden’s 1980 referendum on the country’s nuclear power program. But, Swedish voters were offered three very limited choices about continuing the build up on Sweden’s nuclear energy program, to which the answers could only have been: NO, No and no, depending upon the loudness with which a voter voiced his “no.” Few were surprised at the outcome. Yet, no reactors were phased out until nearly two decades later. What was never publicized was that a clear majority of the Swedish voters believed the existing reactors should continue running until new energy sources replaced nuclear. A 1996 survey conducted by the Confederation of Swedish Industries appalled the anti-nuclear movement – about 80 percent of those surveyed were in favor of nuclear power. Subsequent Swedish polls showed as few as 10 percent of those surveyed wanted nuclear energy phased out. About the same percentage wants to protect Sweden’s four remaining rivers from future hydro construction. By contrast, three-quarters of Swedes polled gave “restraining greenhouse gas emissions” the highest environmental priority. Sweden depends upon fossil fuels for less than ten percent of its electricity generation. You do the math. For future electricity generation, Swedes must face a choice between increasing their nuclear power capacity and escalating their meager dependence upon fossil fuels. A March 2005 poll revealed an astounding 83 percent of those surveyed would support the country’s plans to maintain, or even increase, its nuclear power program. The choice may already exist in Swedish laws. A spokesman for the German Atomic Forum, Christian Woessner, pointed out in a recent media interview, “Under Swedish law the (nuclear) plants can not be closed until there is a viable alternative.” Because Sweden is about 47-percent dependent on nuclear power, Swedish parliament has repeatedly delayed plans to shut down it stations. What once were target dates of 2010 have been reportedly moved back as far away as the year 2050. A recent Swedish article discussed a summary of investments in the country’s energy sector through the end of the decade. More than 25 percent will be invested in modernizing and upgrading Swedish nuclear plants. Increased Uranium Exploration Activity At this time, uranium mining is banned in Sweden. Will that soon change? In November 2005, Platts carried a news item that the world’s second largest uranium producer Cogema, a subsidiary of Areva, was spending about 1.7 million euros on prospecting in Sweden. The industry giant announced plans to narrow down mining sites, after its initial prospecting. Krister Soederholm, chief inspector of mining at the Ministry of Trade & Industry, told Platts that Sweden would respond positively if Cogema’s activity “would be of significant benefit to the country.” Conscientious Sweden is still reeling from a recent media expose showing that the country now imports a large portion of its uranium from Kazakhstan, where mining conditions are reportedly abysmal. On July 11th, one Canadian-traded uranium development company announced its NI 43-101 resource for three of its uranium properties in Sweden. We spoke with Michael Hudson, Chief Executive of Mawson Resources (TSX: MAW; Frankfurt: MRY), about the company’s prospects. First, he explained that Sweden hasn’t had any uranium drilling since about 1984 or 1985. “It’s the only part of the nuclear cycle the Swedes are missing out on,” Hudson told us. He hopes to bring uranium mining back to Sweden. Mawson has focused its exploration/development efforts in the northerly provinces. “Those are mining districts,” said Hudson. “People are comfortable with mining in that part of the world.” In the past three years, three new mines have been opened. Despite the latitude, Hudson explained, “Mines up there are running all year around.” On that basis, Hudson began negotiating for uranium properties in late 2003, before the uranium bull market had gained traction. He began acquiring properties, previously drilled by the Swedish government at a cost of $46 million in 1970s dollars. The company plans further exploration on three of its eight uranium properties. Upon announcing that the National Instrument 43-101 confirmed the company’s uranium resources in Sweden, the same announcement confirmed the magnitude of the exploration target on its largest property, Tasjo. According to the company’s website, “83 drill holes have been drilled… over an area of approximately 10 kilometres by 20 kilometres.” It’s a vast target, between seven and ten kilometers, to explore. Hudson said, “We’re going to put a few thousand meters into that in September or October.” The company plans to spend about C$2 million of its C$9 million further exploring its properties over the next 12 to 18 months. Previous government exploration at Tasjo wasn’t as structured as many of today’s mining companies would like. “A lot of it (the tonnage) hasn’t been counted,” Hudson told us. “We went through the data in cardboard boxes. The data hadn’t been out of the boxes since the mid 1970s, and the last drilling was done in the 1980s.” Hudson said his team plans to set up a grid and methodically drill it out, as opposed to how it was drilled before. The prize could be enormous as some historical estimates ran as high as 116 million pounds of U3O8 at Tasjo. But, those figures require modern exploration for regulatory compliant verification. Hudson emphasized, “Because of how the work was done, we’re not happy to quote those resources.” While the drilling may have been less methodical, Hudson praises the Swedes for their storage capabilities, “The Swedes claim they’ve got the largest core yard in the world.” For the past seven years, Hudson rented a house in Sweden in the same town where the core shack is located. “This is all professionally stored in huge warehouses, all recorded and registered,” he explained. “At your request, they will pull out the core with forklifts.” According to Hudson, the data is all there, about 98 percent (or more) of the drill databases, including the assays and surveys. “We’ve got the data, and our people are scanning and inputting the data,” he added. We talked about the other uranium properties, some of the better of which could have as much as 30 million pounds of uranium oxide. “The better project, from a short-term perspective is Klappibacken,” Hudson noted. Historical estimated were compiled by the Swedish Geological Survey (SGU) in 1984, when the property was last explored. Thirty-two drill holes were completed in an area about the size of a football field. The recent Canadian regulatory approved report showed an indicated resource of about two million pounds. This was considered to be a minimum because uranium mineralization was still open laterally and at depth. Hudson was excited about the Klappibacken property, “It’s over $100 per ton in uranium value. It’s wide and thick from surface. We’re trying to get something up to prefeasibility.” The Duobblon property confirmed previous SGU drilling of fifty-five holes, which was done between 1976 and 1979. The most promising of that drilling may be the central zone, where thirty-five holes were drilled over a strike length of one kilometer. Another four kilometers, of what Mawson believes may be the host resource, remains undrilled. This may be a near-surface opportunity, possibly for open pit mining. Uranium mineralization extends from three meters below the surface to at least 300 meters of vertical depth. We barely discussed the Flistjarn project during our phone conversation, except in passing. This may be an area where Mawson may find an Athabasca-style deposit, based upon how the company interprets the vein and unconformity-related mineralization hosted by a block of Paleozoic sediments thrust over Precambrian volcanoes. First explored by the SGU in 1977 as a way to determine if Sweden could be uranium-independent, it was financed by the Swedish Nuclear Fuel Supply Company, SKBF. Mawson released results of grab and channel samples in December 2005. According to Hudson, some of the samples have run up to 20 percent uranium. “Getting these shipped out of Sweden is a challenge, especially with the high grade ones,” he told us. “We have to wrap them in lots of lead, so a few kilos of rock become 40 kilos of lead-covered boxes.” Nothing has been released on Flistjarn since the values were announced, and the property was not mentioned in the recent NI 43-101 announcement. Conclusion Sweden should become an excellent test case for a change in Australia’s Three-Mines policy. Sweden’s September election could officially set back the worldwide anti-nuclear movement and further change attitudes in the European Union. This weekend’s G8 Summit in St. Petersburg may have already spurred emotions for a more favorable climate toward nuclear energy. Uranium mining, the front end of the nuclear cycle, is sometimes ignored in the greater scheme of the nuclear renaissance. Yet, if a country hopes to become energy independent, it must cultivate its domestic resources. Sweden, again, may become a test case on this point as well. One of the key points, which caught our eye about Mawson Resources, and the primary reason we discussed the company’s prospects at length was its technical team. To be taken seriously, a country’s mining officials want to know the personalities behind the company. As did we. Unlike many other companies we’ve reviewed, Mawson assembled a proven mining team. At the top is Andrew Browne, who was the Competent Person to sign off on Australia’s Jabiluka uranium project, as well as the team leader for the discovery of the Ranger 68 uranium deposit in Australia’s Northern Territory. He’s not alone on this team who has been credited with an exploration discovery. CEO Michael Hudson discovered the Portia copper-gold project, also having delineated and developed other minerals projects in Australia. Mark Saxon, who will oversee Mawson’s exploration in Sweden, discovered the Browns Tunnel zinc-lead project in Tasmania. David Henstridge, a company director, discovered the Bigrlyi uranium project in Australia’s Northern Territory. Another feather in the Mawson hat is their financing. The world’s richest man has invested in this Vancouver-based uranium company. No, not Bill Gates. According to a June 30th Reuters news service report, the world’s richest man is now Ingvar Kamprad. Reportedly, Mr. Kamprad is now allegedly worth about $6 billion more than Mr. Gates. Haven’t heard the name before? Kamprad founded the furniture chain Ikea, which has more than 230 stores in 34 countries. According to Hudson, Kamprad took part in the Mawson private placement. Another familiar uranium investor is the money management firm, Sprott Asset Management. As Hudson told us, “There’s less technical risk with our projects, but more political risk. People want to punt on the political change, essentially.” This may well come about after September 17th. And, if it doesn’t? “We have a couple of backup plans,” Hudson told us. Mawson has been looking eastward at Finland, a country which soon plans to bring online the EU’s first new nuclear reactor. And there is another European country with an advanced uranium project, with which Hudson is currently undergoing negotiations. By the way, having started as a gold exploration company, Mawson also has a few gold properties, eight of which have been farmed out to another junior exploration company. Mawson may be preparing for the worst, but could be celebrating a political victory in Sweden come the end of September.

         
    To invest or not to invest it s only your future were talking about here

     

    Making the leap and deciding to invest is the first step - whether to start a business, invest in the stock market, real estate, or some other venture it's going to demand knowledge, skill and may or may not impact your financial stand point once it's all said and done. All investments carry at least some kind of risk, and as a result of risk people feel nervous when it comes to making investments. Despite the large or small risks, to get your money working in your favor and growing for you will mean an investment of some sort. It is simply a matter of selecting the right investments, diligent maintenance and usually holding out to the end rather than pulling out before the term is due. This is a hard concept to learn and it's actually bit me more than once myself too! Here are some suggestions to help you with investments that will increase your capital with time. Determining the risk factor before you jump with both feet off something you'll regret later: The first thing one should keep in mind is potential risk of the investment you are going to make. Consider the effect on your life if you lose every penny you are going to invest. This will help you to determine if you’re over investing and taking too high of a risk. You might even have to put yourself on a certain budget so that you only invest a certain percentage of the dollars you earn. This way you'll be investing out of your excess capital and not your laundry money (:--). Probably all investments possess risk, but some are more risky than others, sound advice from a successful investment agent can go along way. Don't be afraid to ask really "dumb" questions and keep asking till you understand the topic. This is your money were talking about here and were not playing monopoly anymore. High-risk investments do have their obvious benefits, that being short term, large gains. These high risk investments can be stressful unless you’re playing with "house" money or money that you've earned and it won't hurt too much if you lose it all. High risk investments are not for everyone, some just can't handle the stress of possibly losing their hard earned cash. This might be you; if you’re not sure you can first try with some small investments, just to prepare yourself for some big ones. By doing so, you will get a feel for the market and see what's it's all about while learning. Make sure that you are not borrowing money or spending money that you may need elsewhere, and make sure that the loss of money will not disturb your life style in any way. I've also been bitten by this one. On the bright side I'm learning what not to do. Tracking Your Past Investments Performance: If you'll be making investments in fields like stocks and bonds, it is very important to know and track the historical performance of the respective company or bond. Once your research has been thorough than make your move. If you do not see any increase in price value of the stock or bond for the last couple of months but it seems to be steady then it could be a good potential for a long term investment. Steady growth is a good indication for potential growth in the near future, which after a long period will yield better than short-term investments. Investigating Recent News: The best way to keep updated about the market is to read financial and business news. Searching these topics online can make you familiar with recent market events. Above all try to have fun. Once you get the hang of regular, calculated investing you might find the stress is not too bad and the financial rewards are very enjoyable!

         
    Track down the elusive homeowner bloodhound style real estate investing trick

     

    "Vacant - Boarded Up Houses" are my FAVORITE DEALS for quick turnaround flips. You're talking about someone that cares so little about the property that they've left it to decay. The owner of that house should be begging you to take their junk house off of their hands. Except, the only problem is, the owner has completely vanished without a trace...Or so it may appear! In these times of computers and the Internet, It's a very rare occasion when someone can't be tracked down. Every homeowner leaves little clues, and it's your job to piece them together. If you want to be successful at this, you need to have a system and you need to follow it exactly as I'm describing it to you. If you only do one or two things, you may get lucky...but if you do them all, you'll almost always get your "Mark". I suggest you print up the following Ten Step Plan and follow the process every time you track down a seller. The Ten Step Plan To Finding Homeowners "Bloodhound Style" 1. Place A Flier in the door stating that you buy houses in any condition & stick one of your "I Buy Houses" bandit signs right in the front yard. 2. Ask The Neighbors....Not Just immediate neighbors. I always go Four houses out on each side and across the street. You should be able to get bits and pieces of information from each person. Don't be afraid to ask questions..Leave your card and offer money (if you buy the property) for any information that they may "remember" after you leave...Ask & You Shall Receive! 3. I go to Whitepages or you could call 411 - You'll find about half of them right here! 4. Visit your local Tax Assessor's Office. Check the "Mailing Address" to see where the tax statements are headed. ALSO, I ALWAYS run that person's name to see if they own other property in hopes that there are more abandoned junkers that we can cut a deal on. Sometimes a new mailing address will be on other properties as well. 5. Run the name through the clerks office and look at all the recorded docs and court indexes for that person. You can often get a good picture of what's going on, and sometimes even some other addresses or addresses of relatives, etc. This is where your detective skills kick in. You want to scour through and see if you can find anything...divorce filings, new loans, liens, Law Suits. If their salary is being garnished, the employer's name and address will be their for you. . Many times you'll see that the individual is in jail or just got out of jail. You can usually find their attorney or a new address off of the arrest info. If they're in jail, you can call the prison and set up a visit with the inmate. 6. Send out a letter and put "Address Service Requested" on the envelope. Make sure that the address is hand written on the envelope and regular stamp is used (NO BULK RATE) 7. Hire a Skip Tracer. usually use "FINDTHESELLER" because they're pretty inexpensive and they're pretty good at finding people that I can't with very limited info. It usually takes 24 - 48 hours to get a match but you can be trying the other methods while you're waiting. 8. If it's a unique last name, I'll start calling everyone in the phone book within the area...hoping to get a relative. I've been surprisingly successful with this "Shot Gun" approach. If the name is something like, "Johnson" or "Jones"...I wouldn't even attempt it..:) 9. Voter Registry - You can get updated addresses 10. Place the lead in your file in case another clue arises in the near future (Property goes into foreclosure, neighbors call you, someone calls on the sign, etc)

         
    Trading options

     

    Option is a legal agreement between buyer and seller to buy or sell security at an agreed price in a certain period of time. It is quite similar to insurance that you pay an amount of money in order that your property is protected by the insurance company. The difference between these two is option can be traded whereas, insurance policy cannot be traded. There are two types of option contracts; call options and put options. We buy call option when we expect the security price will go up and buy put option when we expect the security price will go down. We also can sell call option if we expect the security price will go down and vice versa if we sell put option. Usually, option is counted by contract, one contract equivalent to 100 unit options. 1 unit option protects 1 unit share. So, one contract protects 100 unit shares. Before learning how to trade option, terminologies that you need to know are as follow: a) Strike price: Strike price is the price that is agreed by both buyer and seller of the option to deal with. That means if the strike price of the call option is 35, seller of this option obligates to sell security at this price to the buyer of this option even though the market price of the security is higher than 35 if the buyer exercises the option. Buyer of this option can buy a security with a price that is lower than the market price. If the current market price is $39, the buyer will earn $4. If the security price is lower than the strike price, buyer will hold the option and leave the option to expire worthless. For put option strike price, buyer of the option has the right to sell the security at the strike price to the seller of the option. That means if the put option strike price is 30, seller of this option obligates to buy the security at this price from the buyer if he or she exercises the option even though the market price is lower than this price. If the market is $25, the option buyer will earn $5. It looks like a lot of transactions have been involved; but actually, seller of the option will not buy a security and sell it to the buyer. The broker firm will do all the transaction but the extra money that has used to buy the security has to be paid by the seller. This means, if the seller loss $4, the buyer will earn $4. b) Out of the money, in the money and near/at the money option: Option price comprises of time value and intrinsic price. Time Value + Intrinsic Value = Option Price Time value is the amount of money that the option worth due to the time the option has until its expiration date. Longer the time the option has until its expiration date, higher the time value of this option. Time value of an option will become zero if the option has expired. Intrinsic value for in the money call option is the difference between current market security price and option strike price. Conversely, in the money put option’s intrinsic value is the difference between option strike price and current market security price. If the current security price is lower than the call option strike price, this option is an out of the money option. It only has time value. Call option with strike price that is lower than the current market security price is an in the money option. This option has time value and also intrinsic value. Near or at the money option is the option, which strike price is close to the current market security price. c) Delta value: Delta value shows the amount of the option price will change when the security price changes by $1.00. It is a positive value for call option and negative value for put option. It ranges from 0.1 to 1.0. Delta value for in the money option is more than 0.5 and out of the money option is less than 0.5. Delta value for deep in the money option usually is more than 0.9. If the option delta value is 0.6, meaning that when the security price goes up $1, option price will go up $0.60. If the security price goes up $0.10, the option price will goes up $0.06. Usually, $0.06 will round up to $0.10. d) Theta value: Theta value is a negative value, which shows the decay of the option time value. Option, which has longer time to expiry, has lower absolute theta value than option, which has shorter time to expiry. High absolute theta value means the option time value decays more than the low absolute theta value option. A theta value of -0.0188 means that the option will lose $0.0188 in its premium after passage of seven days. Options with a low absolute theta value are more preferable for purchase than those with high absolute theta value. e) Gamma value: Gamma value shows the change of the delta value of an option when the security price increases or decreases. For an example, gamma value of 0.03 indicates that the delta value of this option will increase 0.03 when the security price goes up $1. Option, which has longer time to expiry, has lower value of gamma than option, which has shorter time to expiry. The gamma value also changes significantly when the security price moves near the option strike price. f) Vega value: Vega value shows the change of the value of option for one percent increase in implied volatility. This value is always positive. Near the money option has higher vega value compared to in the money and out of the money option. Option, which has longer time to expiry, has higher vega value than the option, which has shorter time to expiry. Since vega value measures the sensitivity of the option to the change of the security volatility, higher vega value options are more preferable for purchase than those with low vega value. g) Implied volatility: Implied volatility is a theoretical value, which is used to represent the volatility of a security price. It is calculated by substituting actual option price, security price, option strike price and the option expiration date into the Black-Scholes equation. Options with a high volatility stocks are cost more than those with low volatility. This is because high volatility stock option has a greater chance to become in the money option before its expiration date. Most purchasers prefer high volatility stock options than the low volatility stock options. Actually, there are twenty-one option trading strategies, which most of the option investors and traders use in their daily trading. However, I’m only introducing ten strategies as follow: a) Naked call or put b) Call or put spread c) Straddle d) Strangle e) Covered call f) Collar g) Condor h) Combo i) Butterfly spread j) Calender spread Naked call and put meaning buy call and put option only at the strike price, which is close to the market security price. When the security price goes up, the profit is the subtracting of the security price to the strike price if you buy call and the reverse if you buy put. Call and put spread is established by buying in the money or near the money option and selling out of the money option. When the security price goes up, in the money call option that you buy will generate profit and the out of the money option that you sell will loss money. However, due to the difference of the delta value, when the security price goes up, in the money call option price goes up with a higher rate compared to the out of the money call option. When you deduce the profit from the loss, you still earn money. The purpose of selling the out of the money option is to protect the depreciation of time value of in the money call option, if the security price goes down. However, if the security price continuously goes down, this will cause an unlimited loss. Therefore, stop loss has to be set at certain level. This strategy also has a maximum profit that is when security price has crossed over in the money option strike price. Straddle can earn money no matter the security price goes up or down. This strategy is established by buying near the money call and put option at the same strike price. The disadvantage of this strategy is the high breakeven level. The sum of the call and put option ask price is the breakeven level of this strategy. You only generate profit when the security price has gone up or down more than the breakeven level. If the security price fluctuates within the upside and downside breakeven level, you still loss money. The money that you loss is due to the depreciation of the option time value. This strategy is usually applied for the security, which has high volatility or before the release of the earning report. The maximum loss of this strategy is the total amount of call and put option price. This strategy can generate unlimited profit at either side of the market direction Strangle is quite similar to straddle. The difference is strangle is established by buying out of the money call and put option. Because both the options are out of the money option, therefore, both options have different strike. The maximum loss of this strategy is less than the straddle strategy, but difference between the upside and downside breakeven level is slightly higher than the straddle strategy. For this strategy, the upside breakeven is calculated by adding the total call and put option prices to the call option strike price. While, the downside breakeven level is calculated by subtracting the put option strike price with the total call and put option prices. The difference between the strike prices usually is about 2.50 or 5 depending to which stock that you select to buy with this strategy. If the security price fluctuates within the upside and downside breakeven level, you still loss the money due to the loss of the option time value. Application of this strategy is the same as the straddle strategy. Covered call is established by buying a security at the current market ask price and selling out of the money call option. Selling out of the money option has limited the profit that generated from this strategy. If security price continuously goes down, it will cause an unlimited loss. Therefore, stop loss must be set. When the option has comes to its expiry, if the security price is not moving up significantly, you still earn the total option premium that you have received. If the security price goes up, sure you will earn a limited profit. If the stock price continuously goes down, it will cause an unlimited loss. Therefore, stop loss must be set. Usually, stop loss is set at the security ask price after subtracting by the option bid price. If this security price goes down and passes over the price that you set as stop loss, the loss that is incurred to you is about half of the total option premium that you have received. This is because the delta value of the out of the money call option that you have sold is about 0.4 - 0.5. The out of the money call option strike price must be the closest strike price to the entering security price. Collar is also known as medium covered call. It is quite similar to covered call strategy. It is only added one more step in order that stop loss is unnecessary to be set in this strategy. This strategy is established by buying a security and near the money put option and following selling an out of the money option. Due to the put option that you have bought, it is unnecessary to set a stop loss because put option will protect the security if the security price goes down. However, out of the money option premium that you have collected has to be used to pay for the put option premium. If the security price goes down, you still loss about half of the total put option premium. This is because out of the money call option premium is less than the near the money put option premium. This strategy is for half or one year long term investment. Condor strategy has four combinations. Two of them are for stationary market and the other two are for dynamic (volatile) market. Long call and put condor are for stationary market whereas short call and put condor are for dynamic market. The former strategy involves four steps that are buying and selling in the money and out of the money call option with an equivalent amount of contract. With this strategy, profit can be generated as long as the security price does not fluctuate out from the upside and downside breakeven level. Short call and put condor are for dynamic market, which also involves four steps like the long call and put condor strategy. The difference is that in short call and put condor, the strike prices of the options that have bought must be within the strike prices of the options that have sold. For short call and put condor strategy, profit can be generated as long as the security price has fluctuated out of the upside and downside breakeven level. The upside breakeven level is calculated by adding the whole position total pay out or receive to the highest strike price in the strategy. The downside breakeven level is calculated by subtracting the whole position total pay or receive to the lowest strike price in the strategy. Combo strategy has two combinations that are bullish and bearish combo. Bullish combo strategy is for bullish market and the bearish combo strategy is for bearish market. This strategy involves two steps that are buying out of the money option and selling in the money option. If the security price goes up more than the higher strike price, profit can be generated. But if the security price goes down lower than the lower strike price, loss is incurred. If the security price fluctuates within the higher and lower strike price, you won’t loss anything. This strategy can earn an unlimited profit but also will cause an unlimited loss depending to the market direction and also which strategy you have used. Butterfly spread strategy is quite similar to the condor strategy. It has also four combinations that are long at the money call and put butterfly spread and short at the money call and put butterfly spread. Long at the money call and put butterfly spread are for stationary market and short at the money call and put butterfly spread are for volatile market. Steps that involve in long at the money call butterfly spread are buying in the money and out of the money call option and following selling at the money call option. At the money option means the strike price of this option is quite close to the current market security price. Number of contract of the at the money call option must double the number of contract of in and out of the money option. Profit can be generated as long as the security price does not move out from the upside and downside breakeven range. The upside breakeven level is calculated by adding the total pay out of this position to the highest strike price. The downside breakeven level is calculated by subtracting the lowest strike price with the total pay out of this position. The short at the money call butterfly spread is established by selling in and out of the money call option and following by buying at the money call option. Number of contract of at the money option must be double the number of contract of in and out of the money option. As long as the security price has move out the upside and downside breakeven range, profit can be generated. This strategy generates limited profit and also cause limited loss if the security price does not go to the right direction. Calendar spread is also known as horizontal or time spread. This strategy is solely used to earn money from the security, which price trades sideway. There are quite number of stocks have this kind of price trend. This strategy is established by selling at the money call or put option, which has a shorter time to expiry and buying at the money call and put option, which has a longer time to expiry. This strategy merely generates the money from the time value of the option. The option that has shorter time to expiry depreciates the time value faster than the option that has longer time to expiry. Usually, the option that has shorter time to expiry is left for expire worthless. The total money that you receive after closing this position will be more than the total money that you have paid out when opening this position. With these ten strategies, you can use to earn money from upside and downside market and also the market that trades sideway.

         
    Trading psychology consecutive loses and the trading psychology spiral

     

    You go long and the market immediately goes down - you go short and the market immediately goes up. That's 2 consecutive losses, and you are getting a little 'anxious' so you don't take the 'next' trade. Of course, this trade is a winner. Now to make the situation worse, you then 'chase' the move, and as soon as you enter the trade it immediately reverses, thus giving you another loss – this is now 3 in a row. Ok one more ‘try’ - this can't happen on every trade can it? This time though, you will be real clever. You have noticed that the market is in a range, and it's the bounce from the low/retrace from the high that is causing all the problems. So this time, the next trade you take will be a range extreme fade AND the hell with your trading method. The market is at the range low, and per your new ‘on the fly’ trading plan, you go long. Instead of bouncing again, the range immediately breaks out to the downside. Not only does this give you consecutive loser 4, but the loss occurred from trading against one of your ‘best’ method trade setups, and becomes a trade which is giving enough profit to pay for the previous 3 losers, and make you net ahead. Now what are you supposed to do – QUIT? AND to be sure that there is no more temptation – your throw your computer out the window, and dive out right behind it. You are in a trading psychology spiral. WHAT is a Trading Psychology Spiral? I think of a trading psychology spiral as the transition from trading losses that you have accepted both as a part of your trading method, and as something that is inevitable in trading, into a surge of emotions that continually builds to a point where you can no longer accept anything. As this eventually ‘spirals’ out of control – trading method becomes completely ignored, and is then replaced by emotional responses and decisions for everything that is done. Even if quitting was really the only viable thing to do at the time, the trading psychology spiral can cause an emotional response where this isn’t even considered, until the situation becomes so desperate, that the trader can’t take it any longer AND does have to quit. This isn’t a discussion about emotions and trading, and the various fears and issues that keeps a trader from trading to begin with; as we know, emotions are an inherent part of trading – you learn to control them OR you can’t trade. This is a discussion about emotions that are typically controlled well enough so that you ‘can’ trade, but then something happens where the trader loses that control, and their emotions spiral. A series of consecutive losing trades, especially those caused by deviating from the trading plan, are a root cause for this happening. This also isn’t about something that happens only to inexperienced and unprofitable traders. There are going to be those times where nothing a trader does will work, and that result is going to be a series of consecutive losers. So the situation is the same, it’s the reaction that may be different. For instance, traderA may go into a panic causing them to spiral out of control, losing all self-confidence and self-trust, and ultimately more money than was intended. On the other hand, traderB may go into a period of revenge trading, coupled with an increase of their trading size, as they are ‘sure’ that each next trade is going to bring them back to even. Also, a spiral out of control, and the losses continue – AND also a loss of more money than was intended. WHAT does traderC do? Controlling The Trading Psychology Spiral Consider: each time a tpsych spiral occurs AND you go out of control - the quicker the next spiral is going to occur, and the faster you will go out of control when it happens. This is going to continue, until trading becomes too painful, and you will not be willing to trade any longer. Consider: it is better to work through the emotions instead of quitting. Quitting is too easy, and this provides no solution or aid in preventing this from coming back and intensifying each time you have a rough period. As well, you have lost the ability to 'count' on yourself when you need to do so the most. To control a tpsych spiral, before you go out of control, is a tremendous win in and of itself. Do this, and get your trading back on track, and you will have made gains the value of which you can't imagine, as you will know that you may have losing periods BUT you can trust yourself to remain in control, and not magnify the damage. In light of this, take what you believe to be your key trading issues, write them on an index card, and stick them on to your monitor. The objective is realization and awareness, thus making these issues available to your conscious as a reminder, instead of only available to your subconscious as a problem. As you make your notes BE SURE that you are writing short non-judgmental notes - DON'T let the 'solution' make the 'problem' worse. For instance, consider the combination of a build of emotions coming from consecutive losses which are also occurring during congestion - write notes similar to these on your card: a build in emotions may come from a series of quick consecutive losses quick consecutive losses often come from trading inside of congestion are your losses 'base' congestion method trades OR are you overtrading there is nothing wrong with 'base' method trade loses your trading results are fine when you 'base' method trade Now consider the same situation BUT different notes: don't be a stupid idiot and overtrade congestion like you always do you are going to lose your ass and end up with another losing day like usual you do this same crap every day and the same thing happens you have no reason to even trade if this is all that you are going to do Remain Neutral Remain neutral - another note for your index cards. Another approach may be to write notes that include the things you can remember yourself doing or feeling as you transition from acceptable emotion to tpsych spiraling, for instance: shortness of breath - sweating - squirming in your chair - unable to sit down. AND as the spiraling becomes more intense: cussing - screaming - throwing things - breaking things. UNTIL the spiraling is out of control: panic - desperation. Clearly, there is a whole list of physical responses to uncomfortable emotional situations; realizing them as they occur may be a step in controlling them before they ‘take-over’ and lead to spiraling. Be Aware I want to know the potential for the spiraling situation. It is VERY important to acknowledge that you have emotions, and not try to ignore them or hide from them as a solution to the problem OR because you perceive them to be a sign of weakness. This actually will just make the situation worse. You are human - humans have emotions - emotions become more intense in more difficult situations. So, I don't need to know how I am going to have responded as I go out of control. I do need to know, and have something to remember, and/or think about, that can keep this from happening - that can keep me as neutral as possible, in what would be the more difficult trading periods – something that will 'push' me back to tmethod AND 'away' from tpsych. WHAT does traderC do? traderC is the trader who remains the most neutral in winning and losing; the most neutral in all situations. It's this neutrality that becomes essential in keeping the emotions from becoming a trading psychology spiral, as the trader can 'accurately' evaluate their losses in terms of method. This trader will only trade their most 'base' method setups after any difficult period AND IF these lose, so be it, that possibility has already been accepted. Go on to the next method trade – it probably will be a winner.

         
    Trading psychology vs trading method

     

    It is said that trading is 90% psychological and 10% methodological. Does this then imply that regardless of trading method, a trader that has control over their emotional issues will thus be a profitable trader, or will it be impossible to ever control emotions without the proficient implementation of method? The trading method viewpoint will suggest that not only are these statistics not the case - trading psychology does not exist. Trading method will be the determinant of profitability, and this will be done through: (1) the ability to understand the method's inherent strengths and weaknesses (2) the ability to maximize these strengths and minimize the weaknesses. The Trading Method Viewpoint Trading psychology has become so widely discussed and promoted through books and consultants that it has become a very convenient rationalization and excuse for losing. Why take the responsibility for a lack of work ethic and trading without any concept of plan, an honest assessment which would be a ‘hit’ on the trader’s self-esteem – when you can just blame it on trading psychology instead? Trading psychology is ‘something’ that a trader creates from existing personality traits that are not initially related to trading, but surface from trading without method understanding. The outcome of course is fear, but wouldn’t this be the case when doing anything that was perceived as ‘dangerous’, and which was being done without the necessary understanding and skills? Trading, with its inherent characteristic of accepting financial risk while participating in unknown outcomes, is certainly ‘dangerous’, and thus the more preparation and understanding that is needed. Trading Scenario Consider the a trading plan which has the following three setup types: (1) initial which your intended trade entry (2) first continuation which is used to enter a trade in case you have either missed your initial entry, or you decided that you wanted more confirmation because it was a counter direction trade (3) second continuation which is intended as a trade addon setup, but is also one ‘last’ chance to enter a trade. You get an initial sell setup that triggers, but you do not take the trade = trade1. The trade breaks cleanly and goes to what would have resulted in a partial profit, and then before price goes down further, it retraces back to the area where the sell was done. This price holds so the swing remains short, and from this hold of what is now resistance, you get the trigger of your first continuation setup BUT you don’t take this trade either = trade2. Why wasn’t the trade taken? You decide that after missing the initial entry that you have missed the trade; your emotions and biases tell you that the ‘move’ has gone too far. Again, this trade breaks cleanly, not only adding to the gains of trade1, but also giving a partial profit on trade2. Price now consolidates between the lows and the price resistance that you would typically be using to stay short if you had taken either the initial trade, or the first continuation trade. Instead of the swing reversing after consolidating, it continues down again, and with this continuation your second continuation setup triggers = trade3. AND AGAIN - you don’t take the trade. After all, if you didn’t take either of the first two trades, how can you possibly take this trade; maybe you were wrong when you thought that the move had gone too far to take trade2, but certainly that’s the case for trader3. Like trade1 and trade2, trade3 is a profitable trade. This swing has really turned into a great directional move, with each break holding on weak retests – a textbook example of the strengths of your trading method, but YOU have never entered a trade. You are going nuts! You are getting into this damn swing - you just can't take it any more. Another retrace holds as a lower high. You don’t have an entry setup, but that doesn’t matter, the other three trades were profitable after a lower high. Isn’t it interesting, the same emotions which wouldn’t let you enter your plan trades, are now ‘forcing’ you to take a non-plan trade. Instead of YOUR trade going to a lower low and to a profit, it instead goes to a higher low and then reverses into an initial buy. Bad just got worse, you also don’t exit when the swing goes into buy. After what you went through to finally get into the trade, you have to try and make it work, and after all the trend is down – right? TraderA uses this initial buy to exit their profitable sell and sell addon; they decide that they want more confirmation of swing reverse before trading the counter direction. A first continuation setup triggers and they go long, the swing has reversed, and this trade reaches its first profit target. TraderB finally ‘gives up’ and exits THEIR short, although with a two point loss instead of the intended one point, and without any consideration of taking their next plan trade, the first continuation buy. This trader is done for the day, but at least they were ‘right’ all along; the swing had gone too far to enter, and their fears had been warranted – this was a losing trade that they should not enter. Is this a trading method or trading psychology issue? What ‘message’ is TraderB going to take from what has just happened. Will they take the attitude that they should not be blamed, they just can’t trade because of trading psychology? Or, will they acknowledge that the method did win, that the resulting loss was not a method trade, and even if it was, the loss would have been offset by the prior winners. Will they acknowledge that THEY made their worst fears come true and not only turned this into a losing trade, they also increased he size of that loss, and then avoiding another method winning trade. Granted, psychology was involved with what has happened in the described trading scenario, but that is a function of the individual’s ‘core’ personality, and would most probably be an issue regardless of what was being done; if there is ‘risk’ involved, there will be an ‘emotional’ response. Thus, it is first necessary to separate personal psychology from trading psychology, and the use of this concept as an excuse for trading actions. Then, if trading psychology is going to be controlled, this will be done through the development and implementation of a tested plan that the trader is willing to follow. Do not trade with ‘built-in’ excuses for failing, you will have lost before you begin, and will continue to do so with a continued ‘snowballing’ of emotion to the extent where trading will no longer be possible.

         
    Try this untapped investment

     

    More are more people are looking for alternatives to traditional investment, as pension funds face shortfalls and interest rates remain low. For many, it is the lure of property, both domestic and foreign that attracts the attention and the investment. Properties as second homes, rental vehicles or straightforward investments are very popular, but purchase can be complicated and maintenance costs are high. Land, on the other hand, is an untapped investment that could make some fantastic profits. Why land? Land is becoming an increasingly popular investment, particularly in places like the UK, where housing shortages are a growing problem and land consequently rises in value. The benefits of buying land include: Return – the rates of return on land, whilst not guaranteed, are often better than returns on any other type of investment, including stock market investments and property. Simplicity – the purchase of a parcel of land is a straightforward legal transaction that can be completed within 28 days. Selling your land on is equally as easy. Management – you don’t have to be checking share prices every day or spending your profits on maintaining a property, or dealing with tenants. Instead, you buy your land and then leave it until development plans are agreed, or you simply want to sell it on. It is a simple, low maintenance investment. Locality – no matter where you live, there is probably some land available for purchase. You can visit the site, talk to the company that owns the land currently and look into the likelihood of planning permission being granted. You can have a direct involvement with your investment. If you have money that you want to invest, but you’re not convinced by the level of return on traditional investment vehicles, then think seriously about buying land. Even a small investor can access this market now, through land banking, where a single company buys an expensive piece of land and then sells smaller parcels on to private investors. Talk to a land agent to see how you can get started.

         
    Uk first time buyers turn to overseas properties

     

    Beth Collingz, PLC International Marketing Director for Pacific Concord Properties Inc's Lancaster Brand of Apart-Hotels or Condotels in the Philippines said a recent study published by UK National Savings & Investments found 84 per cent of 18 to 30-year-olds believe buying property abroad is a more viable option than buying in Britain. Young people buying abroad and renting in Britain are and will continue to be a growing phenomenon. They generally look at spending less than Ј200,000. This comes on the back of recent reports by Barclays Bank that revealed the number of Britons keen to buy property abroad has doubled to 18,000 in a year. When you consider these facts along with aging population, increased property wealth, Self-Invested Pension Plans and leisure lifestyle aspirations of the populous it is easy to see why many shrewd property investors are looking for better lifestyle and hassle free overseas ownership and why many advisors are looking aside from the traditional UK buy to let and Spanish holiday let for property options for Condotel Investments in the Philippines. Collingz said: “Since the Dollar value depreciated and UK Pound Sterling hit 96:1 on the Philippine Peso, my phone has been very busy with buyers from the UK interested in purchasing investment properties and holiday homes here in the Philippines. A lot of this interest is being driven by relatively cheap market prices in the Philippines compared to Europe, especially UK Housing prices, and easy payment options available for our Condotel Developments, but there are other factors, too. Offshore Property Investors, Foreign baby boomers as well as overseas Filipinos, are looking for ways to maximize their return on investments as they approach retirement, and so are purchasing second homes, particularly Condotel Investments where they can use the Condo for vacations and rent it out through In-House Management when not using the unit thereby gaining rental incomes that on today’s purchase prices, give a projected ROI on their investments of some 8-16% depending upon the mode of payment for the unit” Collingz, who also runs PLC Global Pinoy, an internet based marketing network specializing in Condotel Investments, indicated more than 85% of all sales in Metro Manila were to international clients. “These international buyers know it’s a buyer’s market in the Philippines right now - there are a lot of properties available and fewer local buyers,” Collingz said. “I’m working with clients who are purchasing their second property with me. We also have referrals from many of our prior customers and new clients who have found us through our Web sites, lancastersuites and plcglobalpinoy which include a special section for international buyers” Another major driving factor in overseas property investments from the United Kingdom is UK Tax Payers taking advantage of tax incentives and Investing their Self-Invested Pension Plan [SIPP] In Philippine Condotel Investment Real Estate for Rental Income and Retirement said Collingz. A Self Invested Pension Plan [SIPP] is a personal pension plan but with one very significant difference: administration is separate from investment content, giving the plan holder freedom to choose for himself and change the investments within it. The long-awaited rules on what savers can include in their personal pension plans were unveiled in April 2006 by HM Revenue & Customs. The Guidance Notes confirm that the Chancellor is permitting Self Invested Pension Plan [SIPP] holders to invest in hotels such as the Lancaster Brand of Condo Hotels in the Philippines. The only stipulation is that SIPP holders may not stay in their rooms. With more nights available for paying guests, this not surprisingly increases the room owners' returns. It is estimated there are now more than 70,000 plans holding over Ј14bn. A year or so ago, few people in the UK realized that they could manage their Pension Plan portfolios themselves, and even fewer knew that they could invest their SIPP retirement money in homes in the sun which now prove to be among the most popular potential investments to include in a SIPP If you’re considering using your SIPP to invest in real estate, there are some excellent reasons that you should choose Philippine Condotel Investment real estate to drive your retirement portfolio into high profit margins. The Philippines is ideal for this type of investment because a SIPP can establish title to a property in a country whose legal framework recognizes trusts – and a SIPP is simply another form of trust. “Investing in foreign real estate is neither as risky nor as tricky as a lot of people would have you believe. While land and housing prices in the U. K. have soared astronomically in the past decade, the world real estate market is a far different story. It’s still possible to buy a preconstruction Condotel suite at Lancaster – The Atrium located in Metro Manila, Philippines, for less than GBP Ј25,000.00” “The beauty of holding property in the Philippines is the low cost of property taxes and maintenance. A GBP Ј25,000 Condotel suite will only set you back GBP Ј100 in property taxes per year, and maintenance costs are similarly low. When you add in the tax-protected status of investments made in your SIPP, annual off plan property appreciation and the 8-16% returns through rental income through the Condotel advantage, you have an incredible ROI on a purchase of Philippine Condotel investment real estate” enthused Collingz. With preconstruction property in the Philippines appreciating at some 20% per annum not only do real estate investments look good but the rental income return in the Country is in excess of what many Pension Plans offer for the same or similar investment. Many new investors are looking to replace failed pension plans and other future saving schemes with a solid investment in Real Estate. “Clients are looking for investments that will give them an income for retirement as an alternative to traditional private pension plans that have failed. Most company pension plans are insufficient as are Government Pensions. Bank rates for Savings accounts are at record lows. Savvy investors are now looking for a more solid investment with potential for monthly income. Condotels in the Philippines fit the bill” Collingz said this potential, high rates of rental returns from Condo Hotel Investments, up to 16% per annum, opens up a huge market not traditionally looked at by Real Estate Agents and Brokers whom all so often run around looking for normal residential profile “buyers” without looking at the by far bigger picture of investments, investing and retirement. "We’re here to help our clients and advise them of emerging investment opportunities in the Philippines. Self-Invested Pension Plans and Lancaster Condotels, fit this bill exactly. Pacific Concord Properties, Inc., Flagship Lancaster Condo Hotel [Manila] development located along Shaw Boulevard, Mandaluyong City, Metro Manila, is currently one of the hottest Condotel Investments in the Philippines. Lancaster - The Atrium is accepting Reservations for Studio, One, Two & Three Bedroom Suites adopting International Standard Escrow Trust Account “Buyer Safe” Easy Secure Payment Plans… with 6 year interest free payment terms or up to 12 year "In-House" financing available, full condo ownership and minimum monthly maintenance fees, you really should take a moment to look at this Philippine Condotel Investment Opportunity encouraged Collingz. Further info regarding Condotel Investments in the Philippines, Lancaster Suites currently available suites, price and terms of payment can be found on the firms website. Beth Collingz PLC International Marketing Networks

         
    Understanding fixed income securities expectations

     

    I’ve come to the conclusion that the Stock Market is an easier medium for investors to understand (i. e., to form behavioral expectations about) than the Fixed Income Market. As unlikely as this sounds, experience proves it, irrefutably. Few investors grow to love volatility as I do, but most expect it in the Market Value of their equity positions. When dealing with Fixed Income Securities however, neither they nor their advisors are comfortable with any downward movement at all. Most won’t consider taking profits when prices increase, but will rush in to accept losses when prices fall. Theoretically, Fixed Income Securities should be the ultimate Buy and Hold; their primary purpose is income generation, and return of principal is typically a contractual obligation. I like to add some seasoning to this bland diet, through profit taking whenever possible, but losses are almost never an acceptable, or necessary, menu item. Still, Wall Street pumps out products and Investment Experts rationalize strategies that cloud the simple rules governing the behavior of what should be an investor’s retirement blankie. I shake my head in disbelief, constantly. The investment gods have spoken: “The market price of Fixed Income Securities shall vary inversely with Interest Rates, both actual and anticipated… and it is good.” It’s OK, it’s natural, it just doesn’t matter, I say to disbelieving audiences everywhere. You have to understand how these securities react to interest rate expectations and take advantage of it. There’s no need to hedge against it, or to cry about it. It’s simply the nature of things. This is the first of three successive articles I’ll be writing about Fixed Income Investing. If I don’t improve your comfort level with this effort, perhaps the next one will strike the proper chord. There are several reasons why investors have invalid expectations about their Fixed Income investments: (1) They don’t experience this type of investing until retirement planning time and they view all securities with an eye on Market Value, as they have been programmed to do by Wall Street. (2) The combination of increasing age and inexperience creates an inordinate fear of loss that is prayed upon by commissioned sales persons of all shapes and sizes. (3) They have trouble distinguishing between the income generating purpose of Fixed Income Securities and the fact that they are negotiable instruments with a Market Value that is a function of current, as opposed to contractual, interest rates. (4) They have been brainwashed into believing that the Market Value of their portfolio, and not the income that it generates, is their primary weapon against inflation. [Really, Alice, if you held these securities in a safe deposit box instead of a brokerage account, and just received the income, the perception of loss, the fear, and the rush to make a change would simply disappear. Think about it.] Every properly constructed portfolio will contain securities whose primary purpose is to generate income (fixed and/or variable), and every investor must understand some basic and “absolute” characteristics of Interest Rate Sensitive Securities. These securities include Corporate, Government, and Municipal Bonds, Preferred Stocks, many Closed End Funds, Unit Trusts, REITs, Royalty Trusts, Treasury Securities, etc. Most are legally binding contracts between the owner of the securities (you, or an Investment Company that you own a piece of) and an entity that promises to pay a Fixed Rate of Interest for the use of the money. They are primary debts of the issuer, and must be paid before all other obligations. They are negotiable, meaning that they can be bought and sold, at a price that varies with current interest rates. The longer the duration of the obligation, the more price fluctuation cycles will occur during the holding period. Typically, longer obligations also have higher interest rates. Two things are accomplished by buying shorter duration securities: you earn less interest and you pay your broker a commission more frequently. Defaults in interest payments are extremely rare, particularly in Investment Grade Securities, and it is very likely that you will receive a predictable, constant, and gradually increasing flow of Income. (The income will increase gradually only if you manage your asset allocation properly by adding proportionately to your Fixed Income holdings.) So, if everything is going according to plan, all that you ever need to look at is the amount of income that your Fixed Income portfolio is generating… period. Dealing with variable income securities is slightly different, as Market Value will also vary with the nature of the income, and the economics of a particular industry. REITs, Royalty Trusts, Unit Trusts, and even CEFs (Closed End Funds) may have variable income levels and portfolio management requires an understanding of the risks involved. A Municipal Bond CEF, for example will have a much more dependable cash flow and considerably more price stability than an oil and gas Royalty Trust. Thus, diversification in the income-generating portion of the portfolio is even more important than in the growth portion… income pays the bills. Never lose sight of that fact and you will be able to go fishing more frequently in retirement. The critical relationship between the two classes of securities in your portfolio, is this: The Market Value of your Equity Investments and that of your Fixed Income investments are totally, and completely unrelated. Each Market dances to it’s own beat. Stocks are like heavy metal or Rap…impossible to predict. Bonds are more like the classics and old time rock-and-roll…much more predictable. Thus, for the sake of portfolio smile maintenance, you must develop the ability to separate the two classes of securities, mentally, if not physically. For example, if your July 2005 Market Value fell, it was because of higher interest rates not lower stock prices. More recently, the combination of higher rates and a weaker Stock Market has been a Double Whammy for portfolio Market Values, and a double bonanza for investment opportunities. Just like at the Mall, lower securities prices are a good thing for buyers… and higher prices are a good thing for sellers. You need to act on these things with each cyclical change. Here’s a simple way to deal with Fixed Income Market Values to avoid shocks and surprises. Just visualize the Scales of Justice, with or without the blindfold. On one side we have a number that represents the Current Market Value of your Fixed Income portfolio. On the other side, we have a small “i” for interest rates, and “up” or “down” arrows that represent interest rate directional expectations. If the world expects interest rates to rise, or even to stop going down, “up” arrows are added to “i” and the Market Value side moves lower… the current scenario. Absolutely nothing can (or should) be done about it. It has no impact at all on the contracts you hold or the interest that you will receive; neither the maturity value nor the cash flow is affected… but your broker just called with an idea. The mechanics are also simple. These are negotiable securities that carry a fixed interest rate. Buyers are entitled to current rates, and the only way to provide them on an existing security is to sell it at a discount. Fortunately, one rarely has to sell. Over the past few years of falling interest rates, Fixed Income securities have risen in price and investors (should) have realized capital gains as a result…adding to portfolio income and Working Capital. Now, that trend has reversed itself and you have the opportunity to add to existing holdings, or to buy new securities, at lower prices and higher interest rates. This cycle will be repeated forever. So, from a “let’s try to be happy with our investment portfolio because it’s financially healthier” standpoint, it is critical that you understand changes in Market Value, anticipate them, and appreciate the opportunities that they provideparing your portfolio Market Value with some external and unrelated number accomplishes nothing. Actually, owning your fixed income securities in the most freely negotiable manner possible can put you in a unique position. You have no increased risk from a reduction in security prices, while you gain the ability to add to holdings at higher yields. It’s like magic, or is it justice. Both sides of the scales contain good news for the investor… as the investment gods intended.

         
     
         
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