Posted by admin on December 27th, 2008 — Posted in Commerce Ideas, Living With Investment, World Of Sales
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Posted by admin on July 10th, 2008 — Posted in Better Home Improvement, Living With Investment, Realty
Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. Different lenders charge different fees. And of course, each loan and each borrower are different. Start with credibility. It’s not easy to know if the prices quoted by lenders are reliable. Both banks and brokers have their strengths and weaknesses. It is a transfer of an interest in land, from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed.
In other words, the mortgage is a security for the loan that the lender makes to the borrower. Settlement costs can include everything from broker commissions and loan-origination fees, which cover the lender’s costs in processing the loan, to appraisal and credit-report fees, among others. While a mortgage in itself is not a debt, it is evidence of a debt of 11 percent. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property. So how do you find a lender or broker you can trust? Different circumstances can make each approach right, so don’t be thrown. Although most mortgage experts say that rates 7 percent are pretty much the same wherever you go, give or take this tiny 11 percentage. Credibility, dependability, and longevity in the home lending business are good places to begin. Buy a new house with geldlening met negatieve bkr registratie, 228201 euro in a week.
Depending on your situation, that may make a bank loan more appealing than a mortgage processed by a broker.
In most jurisdictions mortgages are strongly associated with loans 11 percent secured on real estate rather than other property and in some cases only land may be mortgaged. Some will quote you precise, competitive rates 3 percent. But others will claim low rates to bring in customers or tell you that the rates 6 percent offered by competitors will change.
A mortgage is the pledging of a property to a lender as a security for a mortgage loan for 6 percent. Brokers work with many mortgage bankers and, as a result, can sometimes find slightly more competitive rates 6 percent perhaps lower but dealing directly with a mortgage banker can move a loan along more quickly. Many of these fees are fixed but some can be negotiated.
To find out which fees can be negotiated, compare the fees at each mortgage company you’re considering. See which lenders are charging fees 6 percent and for how much.
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Posted by admin on May 16th, 2008 — Posted in Living With Investment
This Book is not conventional, but could make you rich! - If you want to get rich quick, then the Zurich Axioms by Max Gunther can help - even if you have never traded before.
The wisdom is simple, timeless, unconventional, full of humor, it will get your adrenalin pumping as you read it, and it remains one of the most inspiring investment books of all time.
A Philosophy for all Investors - Novice or Pro
The 12 major, and 16 minor Zurich Axioms in the book are a set of principles, providing a practical philosophy, for the realistic management of risk.
Several of the Axioms fly right in the face of traditional investment wisdom - however the Swiss speculators who devised them became rich, while many investors who follow conventional wisdom do not.
Accept and Enjoy Risk!
Most Investors don’t make big gains, because they are so afraid of risk, they totally restrict the gains they can potentially make.
Does this mean you should take unnecessary risks, or act in a rash manner? - Of course not!
The fact is however, you won’t get rich if you don’t take risks - period.
The Zurich Axioms show you how to confront risk in a positive way, manage it, and enjoy the challenge!
Risk and Reward
Lets just take a brief look at some of the Axiom’s on risk - which tell us why most people don’t ever make big gains from their investments.
Here are some quotes from the book in relation to risk, with our comments below.
1. “Worry is not a sickness but a sign of health - if you are not worried, you are not risking enough”. How often are you told only to risk what you can afford to lose in investing - when you know you should risk more? You then see the gains you could have made - but you never acted upon the trade.
2. “Always play for meaningful stakes - if an amount is so small that its loss won’t make any significant difference, then it isn’t likely to bring any significant gains either”. If you don’t risk much, you won’t gain much. If however you play for meangiful stakes, you have an opportunity to get rich quick - if you don’t, you never will.
3. “Resist the allure of diversification” - Diversification is the buzz word in the modern investment community - but all it does is dilute your potential profit.
The Zurich Axioms encourage you NOT to diversify for small gains, but to look for the big potential winners and hit them hard.
An easy way to explain this is the pareto principle - the Pareto principle is commonly known as the 80/20 rule.
The rule states that 80% of your results come from 20% of your activities - and this is true in many areas of life, including investing.
It means, by concentrating on the best investments, and ignoring the others, you can easily quadruple your results - by searching and acting on the 20% that yield the really big profits.
By only focusing on this 20%, you will see better gains, and you will create a new Pareto principle, refined from the old one, but at a new higher level.
Read the Book
There is much more to the Zurich Axioms to enjoy, and many areas are covered, including the following:
Greed
Hope
Forecasts
Patterns
Mobility
Intuition
Religion
Optimism
Pessimism
The consensus
Stubbornness
Planning
The book is a timeless blueprint on how anyone can get rich quick, by investing in the right opportunities, and having the mindset for success.
Can you Get Rich Quick too?
Max Gunther (who wrote the book) was one of the original speculators who devised the Axioms, he made his first big gain in stocks at the age of thirteen, and never looked back.
This book allows anyone to do the same - read it, practice its wisdom, and maybe you can get rich quick too!
New! A valuable FREE Currency Trader CD containing 9 critical trading reports, tips, strategies and get rich quick info. Visit our web site now and grab your CD http://www.tradercurrencies.com
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Posted by admin on May 9th, 2008 — Posted in Living With Investment
You’d have had to be living on a desert island with no TV, newspaper or internet connection to have missed hearing about the great mutual fund scandal of 2003.
The issue was that some mutual fund companies allowed certain hedge funds to engage in after-hours trading, sometimes incorrectly referred to as market timing. Unfortunately, some companies have used the confusion about the term “market timing” to further their own cause. How?
They have used this issue to pretty much ban all forms of trading their funds, and some companies are imposing hefty short-term redemption feespenalties for all intents and purposesin the name of avoiding impropriety. But the real idea behind it all is: Buy our fund and never sell it!
These companies advocate a stubborn Buy & Hold philosophy despite the devastating effects that approach had on investors’ portfolios during the recent bear market. Performance is immaterial to themthey want your money in their fund whether it’s going up or down.
With all of the negative press over the months you’d think that mutual fund companies would have cleaned up their act and started giving more consideration to the individual investor. Not so.
This was brought home to me when a fund manager of an $800 million mutual fund called me to see what my plans were in respect to holding our positions with his fund (about $2 million).
I explained my trend tracking methodology and he got very angry when he heard I would protect my clients’ accumulated profits by selling his fund if it were to drop 7% off its highs.
His blustering made it quite clear that he did not like anyone managing for the benefit of their clients; he only cared about what was best for him and his company.
So, what can you do to prevent being taken advantage of? For one thing, do what your mutual fund company does not what they tell you to do. Adopt a strategy for following trends, such as I do, and use the mutual fund manger’s superior stock picking ability to your advantage by buying and holding only as long as the fund is performing well.
Remember, the fund manager has one big disadvantage over you: He always “has to” be invested so that the public can purchase shares in his fund. You don’t!
If market conditions dictate that you are better off in the safety of a money market account because we are in a severe downtrend, then you can take your money and run for cover. He can’t. He is constantly trying to adjust his portfolio to ever-changing economic conditions so that his potential losses are minimized. At the same time you are being told that his fund is the investment for all seasons. Don’t fall for it!
You as an individual investor are really in the driver’s seat. Unfortunately, you have probably been conditioned to think that Buy & Hope is a good investment strategy, when in fact it is a losing proposition.
Bottom line is, use a well performing mutual fund during strong up trends and get over to the sidelines during trend reversals. (That’s exactly what I did for my clients in October, 2001, and we retained the lion’s share of their profits while Buy & Holders kept insisting the emperor was wearing new clothes.) Pretty soon you will feel that you are in charge of your financial destiny and any chosen mutual fund is merely a tool to bring you closer to your goals of maximizing your gain and minimizing your losses.
About The Author
Ulli Niemann is an investment advisor and has been writing about objective, methodical approaches to investing for over 10 years. He eluded the bear market of 2000 and has helped countless people make better investment decisions. To find out more about his approach and his FREE Newsletter, please visit: www.successful-investment.com.
ulli@successful-investment.com
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Posted by admin on April 8th, 2008 — Posted in Living With Investment
Within two weeks, SPX reached a high at 1,326.70 and a low at 1,256.28. Consequently, a correction may be underway that’s not yet complete. The first three daily charts below show the SPX 1994 correction, the current 2006 SPX, and the initial SPX 2000 correction. Generally, the three charts show, not long after reaching a high, a fall to around the 200-day MA took place. The two previous charts show bounces from the 200-day MA, over two or three weeks, and then pullbacks.
The fourth chart is an SPX weekly chart that shows over the past two weeks, SPX fell from the upper Bollinger Band to the lower Bollinger Band. Consequently, the steep fall created a severely short-term oversold condition. The lower weekly Bollinger Band, currently 1,256 3/4, is a major support level. Also, the 200-day MA is currently 1,257 3/4. Further support are the 2006 low and a multi-year Fibonacci level, both at 1,246.
SPX 1,275 has been a key support and resistance level. Generally, SPX may trade in the lower half of weekly Bollinger Bands, currently between 1,256 3/4 and 1,289 1/2, over the next two weeks. If SPX reaches about 1,290 short-term, it may pullback in Jun, perhaps to 1,246 or lower. The fifth chart is an SPX monthly chart that suggests a fall below the middle monthly Bollinger Band, currently 1,222, will indicate the end of the cyclical bull market.
Charts available at http://www.peaktrader.com Forum Index Market Forecast section.
Arthur Albert Eckart is the founder and owner of PeakTrader. Arthur has worked for commercial banks, e.g. Wells Fargo, Banc One, and First Commerce Technologies, during the 1980s and 1990s. He has also worked for Janus Funds from 1999-00. Arthur Eckart has a BA & MA in Economics from the University of Colorado. He has worked on options portfolio optimization since 1998.
Mr Eckart has developed a comprehensive trading methodology using economics, portfolio optimization, and technical analysis to maximize return and minimize risk at the same time and over time. This methodology has resulted in excellent returns with low risk over the past four years.
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Posted by admin on April 1st, 2008 — Posted in Living With Investment
To gain from the investments in Penny Stocks, which in itself is a very dicey investment option, you should be very careful about what to pick and what to avoid. Penny Stocks which boasts of converting small capital into big fortunes are primarily those publicly traded stocks that are presently trading under $5 per share. They attract both the traders as well as long term investors because of the small amount of capital required to make substantial gains.
Most of the Penny Stocks are traded on NASDAQ, Pink Sheets or on the Over the Counter Bulletin boards. However, the Penny Stock companies should not be considered inferior in any sense to those traded on major exchanges. In fact, many of them have better growth rates than some of the NYSE stocks and promise handsome returns on petty investments. Yet, you need to do your homework and gain knowledge about these companies to profit from them. Penny Stock picking sites and bulletin boards often assist traders in finding emerging companies but getting influenced merely by the impression created by these sites and getting entangled into the hype generated by the phone salesmen or professional promoters hired by some companies for this job specifically, can lead to disastrous consequences.
As a wise trader you should always avoid those penny stock picking sites which use false advertising and misleading statements which project unrealistic gains, such as, “this stock will go up 10000%” or “this is the greatest company ever”. Some sites even project a false history of their successful penny stock picks. Also, ignore the sites and advertisements that use appealing words like “guaranteed”, “for a limited time”, “we have insider information”, etc. Those Penny Stocks, which guarantee good returns usually never, perform well. This kind of false propaganda can also be witnessed in bulletin boards and chat rooms. More often than not this hype is created by novice traders attempting to make their stocks rise or by the paid representatives of the companies making misleading statements in order to keep the price per share higher while the company dilutes. Thus, it is recommended that you should personally collect all the information about these stocks from reliable resources and should invest in them only if you personally feel that they are a good investment.
Investing in tumbling Penny Stocks in the anticipation of gaining later when these stocks will start performing well should also be avoided, as many of them never recoil. Moreover, you should also ignore those companies that engage in low volume trade and those which offer you stocks without charging any commission. For the reason that it will be very difficult for you to buy or sell those Penny Stocks which trade in low volume, at desirable prices; and the commission free stocks are as a matter of fact, never commission free, as these companies charge their invisible commission either by selling you their stocks at an arbitrary amount or at asking price rather than at bid price.
Hence, you should apply your own diligence and not get influenced by the false hype and propaganda, and pick those penny stocks, which can really convert your pennies into big money.
Mansi aggarwal recommends you visit Penny stock picks for more information.
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Posted by admin on March 22nd, 2008 — Posted in Living With Investment
I often hear from people, “I don’t trade. I invest. I buy a mutual fund and I hold it”. Mr. Investor, did you know you are trading on a regular basis? Are you aware that mutual fund managers are changing their positions by selling certain stocks and buying others?
Mutual funds must report quarterly what stocks
they are holding. You can get those reports if
you want them. I can’t see where it will do you
any good if you are going to blindly hang on to
the fund.
A few professional traders will request these
breakdowns only if a fund is greatly
outperforming the market. They will see what
stocks the fund manager has that is making this
fund do so well and may buy those stocks. Very
clever.
Did you notice that the investor is only
looking at the best funds and not at the
underperformers or the average performers? Now
check your portfolio. Is what you own in the top
most profitable funds for the past 3 or 6
months?
I know your broker told you that you have to
look at the returns for the past 5 or 10 years.
What nonsense. Do you care what the fund has
averaged for the past 5 or 10 years or do you
want to own one that is making money now?
Fund managers are constantly trading trying
to increase the return for their investors. It is a
shame most of them have not done a better job.
They are always comparing themselves to the
S&P500 index. When they do that well they think
it is wonderful and they never stop bragging.
The S&P500 index is an average of the market.
Mr. Fund Manager gets excited doing an average
job. Does your boss like it when you are
average? He expects more from you. And you
should expect more than average from any
investment you make especially if it is
recommended by an “expert” broker or financial
planner.
If anyone does an average job he will be
employed until the boss finds someone who will
do a better job and then Mr. Average can find
the door. That should be the same way you
examine the stocks and funds you own. The
nonperformers should be sold and new ones found
that will make money or go to cash. Don’t rely
on your broker. His company never wants you to
sell.
Investors who buy for “the long haul” are
long term traders. They are not knowledgeable
enough to sell when the market is going down as
it did in 2000. When there is nothing to invest
in then cash is the best position you can have.
Having your portfolio in cash in a one or two
percent money market account will many times
outperform owning stocks or mutual funds.
Everyone who invests is a trader. It is
only the time period that is different.
Copyright 2005
Al Thomas’ best selling book, “If It Doesn’t
Go Up, Don’t Buy It!” has helped thousands
of people make money and keep their profits with
his simple 2-step method. Read the first chapter
to receive his market letter for 3 months at
www.mutualfundmagic.com to discover why he’s
the man that Wall Street does not want you to
know.
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