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Best Financial Articles

Tuesday, November 6, 2007

Financial advice for mortgages – best way, online!

No matter if you are interested in mortgages or you want to take up loans, the Internet represents the best source to get some sound advice. There are many areas of finance where anyone could use a piece of advice and this also includes the mortgage/loans sector. Understanding our monetary situation is important as we can avoid taking the wrong decisions and benefit from the help of true specialists in the field.


Let’s take a look at the types of mortgages that we can find presented online along with detailed descriptions and valuable suggestions. If you are considering your options for resolving financial difficulties, then remortgages can be just the thing for you. With the help of the Internet, you can see what remortgage is comprised of, finding out at the same time how you can improve your interest rate and check out some of the latest statistics on the market. What you should mainly know about mortgages in the first place is that they represent extremely important financial decisions. Do not rush into picking out one before being sure that you are ready to make an informed choice.


The appearance of online companies that offer advice tailored to ones needs and preferences has been welcomed by a lot of people. Many of them were uncertain on what are the pros and cons of different kinds of mortgages, not to mention which types of loans are more advantageous. The truth is that people need and want to be informed, especially when it comes to their finances. They want solutions and real answers.


That is also valid for adverse credit mortgages. You must not think that you cannot get loans or mortgages if you have bad credit history or CCJ (County Court Judgment). Use the Internet to find out the information you need about CCJ and other default details. Learn how valuable can be your credit file and ask for the advice of experts. Just keep in mind that you will definitely face a higher interest rate and you will be able to lend a smaller percentage of the value of your house.


And how about buy to let mortgages or first time buyer mortgages? Can the Internet provide us with all the information we need and what is even more importantly how much can we benefit from the advice given by loan specialists? Well, we can put all the info provided by these experts to good use and make sure that we make the right decision. The purpose of a mortgage is not to bury yourself completely in debts but to get over your financial difficulties and improve your financial situation. Buy to let mortgages represent very attractive options, borrowing common traits from homeowner and standard mortgages. The deposit to be made is a little bit higher and so is the interest rate. The rate can be fixed or variable, with minimum status or self cert. Not sure what are all these terms? Go online and listen to what these people have to say.


Apart from mortgages, such specialized companies can help you decide which types of loans are most suitable for your financial situation. They can provide answers to all of our questions and make sure that their advice is based solely on extensive knowledge of the current market fluctuations. There are a lot of factors that can affect your loan acceptance and you have to be aware of them all. First and foremost, keep in mind that there are two main types of loans: secured and unsecured. Then be sure to read all about the annual percentage rate, the adverse credit loans or credit score sheet. Every detail matters for your credit history, including default payments, CCJ and even your job. Why are the credit scores and the job type so important for loans applications? Well, because they can ensure you a better interest rate and you will certainly want to have that.


A loan is a decision that implies many elements to consider. The Internet can provide all the information you need to know on the subject but it is up to you to decide what is best for you. Do not be fooled by all the false promises of loan companies. Make sure that you have all the knowledge required and go for a reputable company. Find out what are the key factors that can have a positive effect on your loan application and see the requirements of various loans (personal, secured, bad credit and car loans). Keep a good credit history, do your own research and let experts highlight some of the advantages for you. This is the best way to go.


Article Source: http://www.superfeature.com

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How Did We Get Here - Subprime Loans?

We as a community need to understand that subprime has noting to do with the borrower, except they make payments. It is all about the investor. He, who has the GOLD, writes the RULES. Investors know if you have the propensity to always pay your mortgage on time, you will continue do to do such! You might be late or behind on something else, but you'll handle the house note or you have no roof to live under. Consider owner occupied rates are lower than non-owner occupied rates, down payment requirements and underwriting guidelines are more favorable toward owner occupied properties than on investment properties. Finance 101!


There was a lot of loose money in investor’s wallets as we moved into the 21st century and investors are always looking for rates of return that exceeds current market rates. These investors invest in loan pools as historically they tend to be safe investments, and all of the professional real estate guru's were predicting continually increasing appreciation in real estate prices. On the other hand you have Congress had changed the deductibility of interest charges, except mortgage interest. This was a keg of dynamite with Americans trying to live the American by using their home’s equity as a credit card.


Quiet as it is kept, you also had the credit repositories manipulating and adjusting their credit models in creditor friendly ways. I can’t give you an estimate on the number of loans originated where the credit scores were based on an antiquated FICO model. Back in 1999 I was fighting tooth and nail with wholesale lenders as to their credit scores differed significantly from reports I pulled from my credit vendor. I quickly learned lenders preferred using older credit models and they resulted in lower credit scores, therefore they justified higher interest rates and consequently they were able to generate higher loan fees and higher premiums yields when the loan pools were sold in the secondary market.


I shortly (2 months) worked for a company when I first started in the mortgage business (a large national firm), which had developed a software application that would essentially take any loan and compute the loan fees applicable to a Section 32 loan. Then it would adjust the fees downward to display on the estimated HUD1 such that they were slightly below the Section 32 triggers. Clearly, predatory lending at its finest! We were selling high rate loans with exorbitant fees to desperate borrowers who had experienced life issues that required an influx of cash with severely damaged credit.


There is a lot of history that MUST be understood before one can just spew words or wisdom as to how we reached the current state of affairs. It started with the deregulation of financial institutions under the Regan Administration and the weak oversight provided to the activities of these lending institutions. Can we say Savings & Loan crisis? Then to light the match, you had a bunch of individuals to come into the mortgage finance business with neither training nor experience, with their only goal being to make a quick buck! Pair that combination with homeowners who were gullible for what sounded good and what provided a momentary relief from their financial pains. You get sick and tired of collectors calling you daily to make delinquent payments when your money is funny and your change is strange.


No COST, No FEES! Complete joke, the costs and fees are bundled into the loan and rate such that the lender take care of the charge on behalf of the borrower in exchange for accepting a much higher interest rate. Look at your HUD1 and look for entries that indicate Paid outside of closing or (POC). Consumers must understand and realize there are no FREE lunches and if it sounds too good, it probable is. Raise your hands! How many loan officers have originated loans that the exclusive benefits were for the lender and not the borrower? Yeah, the borrower got $25K cash-out of the loan but it cost him/her $17k in equity to do the deal. Sounds quite expensive to me!


Borrower’s beware, read and understand the fine print! Don’t take the word of a commission grabbing loan officer, but seek to identify responsible trusted professionals who have your best interest as they advise you. Also remember, your home is not your personal credit card to be used to buy toys or go on extravagant vacations! That’s marketing that make those claims and not Money 101. Marketing will keep you broke, with bad credit and a borrower instead of a lender; Money 101 will make you the lender one day and not a borrower for life.


Article Source: http://www.superfeature.com

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Saturday, August 11, 2007

Could You Make a Rich Living Trading Stocks Online ?

We all know that in the stock market is always possible to watch certain stocks go up more than 100% within a few hours to days. This is especially true in the 4th quarter of the year where the buying frenzy starts in wall street.


The financial media constantly reports about momentum stocks that are achieving tremendous gains during the same day. And even when you can see online investors that make $5000 on a single trade, it is also not unusual to watch beginner stock investors lose a great deal of money because of a series of unwise decisions


The problem is that if you don't know how to pick among stocks & how to properly approach them you could end up wasting dollars instead of making your wallet happy. You can't just trade stocks like if you where gambling in Vegas.


Th first step in becoming a profitable trader is to start learning how to pick and trade stocks. There are many "ultimate" trading systems outhere, but you need to test them in order to discover which ones help you the most. That's part of your homework as a stock trader. Test several strategies and then test them again until you are able to produce consistent winnings.


Bogus stock trading software programs and complicated day trading systems that rely on a "boat load" of technical analysis indicators can confuse you and make you slow, and being slow when trading stocks can be as dangerous as not knowing what to do in the first place.


The worst thing that can happen to a beginner stock market trader is to get information overload. It's better to go step by step, and test a practical trading strategy that can help you focus on simple ways to make money while picking SOLID hot stock trading opportunities once at a time.


In the end, stock trading is all about buying and selling according to your especific knowledge FILTER. Once you master and follow your proven filter parameters like a clock, you can expect to start making serious amounts of cash on a consistent basis.


Fortunately some websites on the internet can show you how to use effective and proven stock trading strategies. One of those sites that can show you how to take advantage of hot stocks using simple to understand and apply momentum trading strategies is http://www.MomentumStockTrading.com


Visit them today & discover how to profit in the stock market by picking hot stock trading opportunities in a realistic way every week.



Articles Source : http://www.articles-hub.com


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Proper Personal Finance Management

Rising consumerism and easy access to credit has given rise to overspending, even by an average income earner. The result has been an increasing number of people caught in a growing debt burden. The problem is worsened simply because most people care very little about managing their finances, or about proper personal finance management. The fact is, you'd get more benefits if you take your personal financial management seriously. Here are some ideas which could help you



Wisely Use Credit Cards

Credit cards are the most popular method of getting credit. They are easier to secure, and easier to make use of - just select an item, carry it to the cashier and swipe your card. Not needing to carry cash around encourages many people to simply swipe their cards on the ever-present credit card terminals, not realizing or not caring that everything ultimately goes on their tab. Please remember that the more you swipe your card, the more debt you are building up.


Proper financial management means taking precautions so one can minimize credit card debts. For one, use your credit card only when there is no other alternative. Two, spend on your credit card only the amount of money you have to spend. Bear in mind, the credit card company will start charging penalties if you are not able to settle your dues on time - which will only add to your debts and will worsen your problem.



When applying for a credit card, shop around first. Look for the company that charges the most favorable interest rate. Keep in mind that paying a low interest rate means saving some money for other expenses.


Consider Debit Cards

Another approach is to avail of debit - not credit - cards. The advantage here is that your spending is limited by the amount you have in your account. As such, debit cards have inbuilt protection against overspending and the ensuing loss of financial control.


Go with Secured Personal Loans

Personal loans are another source of finance. Personal loans will make you financially stronger and more secure - if you use the loan constructively, that is. If you are taking out a personal loan just so you can spend some more money you don't have, taking out a personal loan is just going to speed up your financial decline.


If you decide on this approach, your priority should be minimizing loan costs as much as possible. As such, you should avail of personal loans that charge the most favorable rates of interest so you can save up on interest charges that will only add to your indebtedness.


When taking out a personal loan, opt for the secured personal loan - that which puts up any of your properties as collateral. With a secured or collateralized loan, lenders will be more willing to lower their interest rates and offer you a more favorable payment schedule.


Save First

To have more financial control, you need to exchange your habit of expenditure for a habit of saving. If you save enough money, you won't need to take out a loan or a credit card for sudden and unexpected expenses. You can just use your own savings and as such, you're not going to have to pay interest.


Wise financial management encompasses spending only on what's necessary and what's within budget. Never borrow money so you can spend more. This will never work and you will be just digging your financial grave when you do this.


Articles Source : http://www.articles-hub.com


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How to make secured loans a safe proposition?

Many people feel apprehensive when applying for a loan that requires submission of security, such as home or any other valuable asset. There is a 'danger alarm clock' ticking in their minds, “Jesus! I hope I do not lose my priceless possession (my home) in exchange of the financial assistance!”


Well, secured loans are not so scary as they seem. It is just that people need to understand how to make the best utilisation of these loans without endangering their valuable assets. Secured form of a loan, in fact, enables the borrower to save money paid as the interest over th loan term. Secured loans are attached with collateral security, such as home. Submission of security serves as the guarantee of repayment. Consequently, the borrower can avail a loan at a considerably competitive interest rate, thereby saving money in the long run.


A secured loan is offered against a collateral security, which may be any valuable asset owned by the potential borrower. Thus, secured loans also provide an opportunity to the asset owners for releasing the equity locked in their assets. The released equity helps the borrower to raise the capital necessary to fulfil his/her needs and desires.

Secured loans are ideal if you wish to ease out your debt burden. A secured loan is a long-term loan, i.e the loan amount is spread over a long period of time. This helps the borrower to cut down the monthly outgoings and save money for important household expenditures.


Well, after considering the benefits offered by secured loans, it is important to understand that how to make the secured loan purchase a wise decision.


You should go for a secured loan only when you need to raise a substantial sum of money. It is usually difficult to receive a substantial amount of financial assistance if the person does not offer a suitable security. So, secured loans are ideal for borrowing a large sum of money in a cost-effective manner.


You can minimise the risk of home repossession is to apply for only that much money for which you can afford the monthly instalments comfortably with your income. Beware of lenders who try to tempt you by offering to lend far more money what you can afford to repay.


Leave aside your fear and apprehension. Make an intelligent use of your home equity to raise money for your needs and desires.


Source : http://www.articles-hub.com

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The Highly Solicited Benefits of Secured Loan

Taping into the hidden treasury of a home thereby to raise a reasonable fund is known as secured loan. In this type of loan, the home of the borrower works as security. This means that the borrower will have to surrender the ownership of the home to the lender in case he fails to pay off the loan. This seems to be highly risky for the person taking the loan. After all, the home of a person is one of his most precious processions.


However, the benefits attached to secured loans are numerous and come handy to any borrower. They make the task of dealing with the loan quite easy; so much so that the risk of losing the home becomes negligible. Among them the first to be mentioned is the large amount of money one can take out through this loan. Here is a loan that puts no risk on the lender. He can rest assured that his money will be recovered.


So, the lender of a secured loan does not hesitate to sanction a big amount. The second important benefit of this loan is the competitive interest rate. Being risk free for the lender, this loan comes with comparatively lower rate of interest. It is the interest that reflects the major part of the cost of the loan. Since this loan comes with low interest rate, it saves the borrower a lot in the overall cost of the loan.


Then there are the longer repayment duration and smaller repayment instalments. These are highly solicited advantages for any borrower. They make it easy to clear the instalments regularly without miss. So, in the long run the loan is repaid in full and the borrower comes out of the debt obligation completely. Then this loan gives the freedom of usage. They can be used as debt consolidation loans. Thus, secured loan offers a chance of cost-effective fund raising.

Source : http://www.articles-hub.com

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Buy to Let Rental Properties

Condotel Investments in the Philippines, Buy to Let rental properties are now being preferred to failing Pension Plans as more and more Filipinos and Overseas Property Investors look to the future and retirement.


20 Dollars a day for 6 years will buy you a Studio Condotel unit in the Philippines with a projected ROI through rentals of some 500 dollars per month after 3 years. With preconstruction property appreciating at some 20-30% per annum not only does the Real Estate Appreciation look good but the rental income is in excess of what many Pension Plans offer for the same or similar investment.

With many Overseas Filipinos and Offshore Property Investors looking to start saving for retirement, the Philippines with its comparative low cost of real estate yet high rates of Hotel Accommodations, make the Condotel investment an extremely attractive investment proposition.

Beth Collingz, International Marketing Director for PLC Global, a company specializing in Condo Hotel Sales and Investments in the Philippines for the Lancaster Brand of Condotels, said that many new investors are looking to replace failed pension plans and other future saving schemes with a solid investment in Real Estate.

“Many of my clients are looking for investments that will give them an income for retirement as an alternative to traditional private pension plans that have failed. Personally, I have always regarded Pension Plans as a glorified ‘Pyramid Scheme’. 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”

This potential, high rates of rental returns from Condotel Investments, currently from 8% 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 like headless chickens looking for normal residential profile “buyers” without looking at the by far bigger picture of investments, investing and retirement.

“We look at Condotels as pure investments. Not primarily as Real Estate. If you look at the Condo Hotel market as investing for future income, and think outside of the box, it is plain to see that Condotels are not only real estate investments but more importantly income generating property. Think of Condotels as a Managed Pension Plan. After all, Condotel units are fully managed property. The owner of the property does not have the hassle of renting out the unit and contend with all the normal pit falls of being an amateur land lord. This is taken care of by the Condo Hotel Management” said Collingz.

“One of my clients from Chicago, just purchased 4 Studio Condotel Suites at Lancaster – The Atrium Manila which is currently in preconstruction sales. His plan is to retire in the Philippines in 2012, live in one of the Suites and receive the Condotel rental income on the other three. His outlay for the purchase is only around 85 Dollars a day for 6 years by opting to purchase on a 6 year no prequalification, no down payment, no interest payment plan. Even before completing payment for the units, he will be receiving some $1,500 a month in rental income in additional to any Government or Private Company Pension Plan. Better yet, the rental income is in tune with inflation and buying on preconstruction terms gives real estate appreciation of some 60-80% over 3 years. As Hotel Rates increase yearly, so does the rental income”

Foreign Nationals are legally allowed to purchase as much as 40% of the total number of condominium units on the market at any given time. Overseas Filipinos and more and more foreigners are now emerging as a market for condotel units. Many or our clients are coming from different countries like South Korea, Australia, United Kingdom, Saudi Arabia and other parts of the Middle East,” Collingz said.

Lancaster - The Atrium Tower II [which is the second Tower adjacent to the existing “Sold Out” Tower I] is now 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, no management costs for Condotel Suites and minimum monthly maintenance fees – “You really should take a moment to look at this Philippine Condotel Investment Opportunity” enthused Collingz.

All units at the Lancaster Suites have kitchen facilities. The standard unit price provides for the suite to be finished but not fully furnished. Included in the current price are the interior finishing’s such as tiled & fitted bathrooms, bedrooms with simulated wood plank flooring, living and dining area tiled floorings and lower kitchen cabinets/work tops installed. A complete optional extra interior fit-out package including appliances will be available towards the time the units are closer to being completed towards the latter part of 2009. Monthly condo dues are currently around 80 pesos/square meter of the unit floor area/month..

The Lancaster Atrium Suites are now available on the very affordable and competitive New Payment Plan that provides for Suites to be purchased on a No Interest No Down Payment basis with 67% of the payment payable over 60 equal consecutive monthly installments without interest and the 33% balance payable upon turnover of the unit or to be paid over an additional 5 years from turnover through our hassle free no prequalification “In-House” Finance Plans…

The current selling price [effective March 1, 2007] for the Lancaster Manila Atrium Tower A Tax Exempt Studio Units is Pesos 75,888 or $1,615.00 per sqm. The One Bedroom, Two and Three Bedroom Suites are priced at Pesos 84,994.56 or $1,808.80 per sqm including Government Taxes [R-Vat 12%]. Units may be purchased on a Six Year No Interest Charge Term of payment or longer term “In-House” financing plans. Turnover of units for Tower A will be from December 2009/2010

All payments will be made to the Lancaster Suites Manila Atrium Tower A Equitable PCI Bank Escrow Trust Account. It is anticipated, given the track record on sales of Tower I Units that property appreciation for initial buyers of Tower A Atrium Units will be at least 60-70% on turnover of units.

Beth Collingz

PLC International Marketing Networks

Article Source: http://www.superfeature.com


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Philippine Condotels “Open The Door To Lifestyle Real Estate"

Condotels, Studio Flats, Apartments, Buy to Let Properties, “How This Little-Known Real Estate Investment Opportunity Could Be Your Secret Weapon To Building Wealth”


The big picture about Philippine Condo-Hotels or “Condotels” one of the hottest products in today’s Real Estate market. Imagine Hotel Style Living 365 Days a Year!

Condo-Hotels provide the resident unit owner with more facilities than regular Condominium buildings. Unit Owners in a Condotel enjoy the benefits and privileges of full Hotel Services in a Residential environment. Condo-Hotels are also the newest trend in vacation home ownership. Live in it when you’re there, and rent it out when you are not. These types of projects are becoming more and more attractive for businessmen, vacation homebuyers and individual investors not only because of the superior facilities and amenities but more importantly the attention to maintenance of the buildings through the 24-Hour Condotel operations

Philippine Condotels open the door to luxury or “Life Style” Real Estate

Many new real estate investors hesitate to jump into the luxury real estate market. They either don’t know how to jump in or where to begin, or they think luxury real estate is too far out of their reach. While it’s true that the price tags on luxury properties can be staggering, especially for individuals new to real estate investing, the only way to get used to dealing with luxury properties is to get started. Condotels offer an excellent way for real estate investors to become quickly acclimated to luxury real estate

The luxury real estate market is not going away. It’s growing steadily, driven by strong demand. Much of this demand comes from a young demographic, which means in the long run, the demand for luxury real estate is likely to increase significantly. As a real estate investor, this is the time for you to become involved in the luxury market, before prices rise further. Your appreciation potential can be tremendous, and the right condotel properties in the right locations can play a significant part in your luxury real estate portfolio

If you’re going to become involved in luxury real estate, including condotels, act confidently. Even if you’re new to the luxury “Life Style” market, act as if you’re familiar with it already. Too often, newcomers fail to do well in luxury real estate because they become overwhelmed. They go to see luxury properties and they act as if they’re overly impressed, as if they’re not used to being around luxury real estate

This is a problem when buying and selling. If you act too impressed or overwhelmed when you buy luxury real estate, including condotels, you won’t get the best deal. If you act too desperate to unload the luxury property when you sell, as if you’re afraid to hold onto it because it’s out of your league, you won’t get the best deal either. In order to succeed in luxury real estate, in order to gain the most profit out of your luxury condotel properties, you have to act comfortable with luxury, even if you’re not

Condotels can help you open the door to dealing in luxury real estate. While to best condotel properties are pricey, they still cost less than some luxury homes you might want to become involved in down the road. Financing is increasingly available for condotel properties. Condotels are located in all the best real estate markets, the places that draw tourists, businessmen, luxury buyers and investors. And condotels are a hassle-free investment, a great way to diversify your portfolio while getting started in luxury real estate

When you select the right condotel property, backed by a reputable builder, in a hotel that offers great service, you won’t have to worry about attracting the right renters and buyers. A professional hotel management will keep your condotel unit occupied with renters, with some condotel properties, one week’s rental can cover a monthly mortgage payment, and they will practically bring potential buyers to your door when you wish to sell the property. When you stay in the condotel yourself, you will become increasingly acclimated to luxury living and understand what your buyers are looking for..

If you can appreciate the long-term growth potential of the luxury market, if you’re willing to jump in and not be overwhelmed or intimidated by luxury properties, you can expand to a new level of real estate investing and develop a lucrative portfolio. The right condotel properties in the right locations can be a great way for you to become involved in luxury real estate

To get started, lean more about the demographic that is driving the luxury real estate market; visit and become familiar with luxury properties, including staying in hotels in the area, for example the Waterfront Airport Hotel in Mactan; and follow the big builders to the best condotel properties in the hottest markets, like Mactan, Cebu and Metro Manila

If you’re willing to become involved in “Life-Style” real estate, via condotel investments in the Philippines, you will have a distinct advantage over other investors that hesitate to enter the high-in-demand realm of lifestyle properties and you need look no further than investments in the Lancaster Cebu Resort Residences in Mactan, Cebu or the Lancaster Suites, Shaw Boulevard, Metro Manila

For those planning to reside in Condotels in Cebu or Manila, Pacific Concord Properties Inc Lancaster Suites owners & residents can utilize the services provided by the Condotel, such as the swimming pool and other recreational facilities, restaurant & bar, concierge, 24-Hour housekeeping and room service.

For further info please do not hesitate to contact :

Beth Collingz

PLC International Marketing Networks


Article Source: http://www.superfeature.com


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Highlands Ranch Real Estate in Colorado

Highlands Ranch Colorado's beautiful settings offer hiking, biking, parks and recreation within minutes of downtown Denver. Outdoor lovers will quickly appreciate the bountiful recreation opportunities in Highlands Ranch.


Visitors are greeted by warm sunny days followed by refreshing, cool evenings. At night, Denver's big city culture comes to life with concerts and festivals. Enjoy unexpected entertainment on the 6th Street Mall in historic Downtown Denver. Dine at one of the malls quaint sidewalk cafes, browse through its many boutiques and galleries or enjoy free entertainment watching the quirky street performers. Highlands Ranch is a unique fusion a modern community and old town charm. Plus, Colorado is a place of natural wonders attractions, festivals, limitless cultural experiences and friendly people. Mix these ingredients, and the result is an exciting place to live.

Highlands Ranch has always been a city rich in pride. It has quickly become one of the best places in the entire country to raise a family. With a low crime rate, the streets are safe and secure. The public education system award winning and is extremely solid.

With the popular winter ski areas close by, neighboring Colorado real estate markets have become hot properties. Many custom single family homes are available for rent as well as Denver Colorado condos and town houses.

Enjoy the beautiful Rocky Mountains all year round. The housing prices are affordable, and there is an abundance of access to business opportunities here. Due to the areas beautiful architecture, a warm and friendly feeling is projected. Newly constructed development projects and housing starts have continued the Highlands Ranch relocation allure. The residents have all the benefits offered by nearby Denver, while living in a convenient, charming area.

Highlands Ranch is truly and ideal relocation option. A Highlands Ranch Colorado realtor can help with your property search and location of your choice. Visit your local realtor online to see the up to date MLS Listings to view all the Denver real estate for sale both there and in the surrounding areas.

Article Source: http://www.superfeature.com


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Tips for Securing a UK Mortgage

Have you been searching far and wide for a UK mortgage? If so, you know that this can be a long, hard process. But for many people, things are much easier. The reason for this is that they know how and where to look for a UK mortgage.


Here are three tips to follow if you are in need of a UK mortgage. They should help you find whatever you need despite your financial and personal situation.

1. The more UK mortgage lenders that you get in touch with, the better off you will be when choosing one to work with. Keep in mind that not every UK mortgage is the same. You will want to shop around for the best terms, which includes everything from length to interest rate.

2. Do you have bad credit? How about a CCJ? If so, this does not necessarily mean that you will not be able to secure a UK mortgage. But what it does mean is that you will have to shop around a bit harder. There are many lenders who are willing to work with people with less than perfect finances. But you need to find them before you can actually start the mortgage process.

3. There is no reason to feel pressured into a UK mortgage. You should take your time until you find the lender that is giving you the best deal. It is essential that you get what you want out of your UK mortgage. If you do not, you will find yourself regretting it as your loan wears on.

These three tips will help you to secure a UK mortgage. This holds true no matter if you have perfect credit or you have had trouble in the past. Generally speaking, there is a lender out there for every buyer. All you have to do is track them down!

Article Source: http://www.superfeature.com


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The weird and wonderful world of insurance claims

You may be mistaken for thinking that the life of an insurance claims handler could be a pretty boring one. Under that dusty and rather boring exterior beats the heart of a sometimes altogether more interesting career. Joking aside, the insurance industry does have its more entertaining points and if you know where to look you can find claims with a surprising amount of hilarity.



Take the story of the digital radio that fancied a "dip" in the pond. I came across the story whilst researching this article and found it to be quite amusing. Picture the scene; a blissful, warm summer's day, the radio playing nearby and quite suddenly "splash". Did the radio fancy a cooling dip in the pond you ask? Not quite. It was revealed during the course of the phone call to the claims advisor that the policy holder's granddaughter had decided the fish in the pond were missing out on the music. Wouldn't it be nice to share it with them? Oh dear....

Whilst reading this story I find another detailing the Labrador who it seems had a penchant for modern art. You can probably guess where this one is "leading", if you pardon the pun. Well the unfortunate home owners were to have their liking of modern art put to the test when they returned home. Upon doing so they found their dog had dipped his tail in a tray of white emulsion and proceeded to wag it all over the carpet, sofa, walls and so on.

If you find yourself becoming the victim of this type of "accident" I would highly recommend ensuring you have a home insurance policy, believe me, you need it.

I thought I'd make a foray into the world of car insurance claims next to see what amusing tales could be found there also. Well I certainly wasn't disappointed. I found a list of some of the strange explanations given by claimants, here are a couple; a customer collided with a cow and was asked; "what warning was given by you?" to which the customer replied; "my horn". When asked what warning the other party had given, he replied; "Moo". Imagine trying to keep the conversation serious after that one.

How about the claimant who gave the following description of events; "I pulled away from the side of the road, glanced at my mother-in- law and headed over the embankment." Somehow I doubt he realised just how humerous that sounded at the time.

As my final note I'd like to tell you of the gentleman who rang to claim on his travel insurance for a stolen camera. Quite a normal and serious happening you may think and not one that should be given as an example of a strange or funny claim. The thing is, you haven't asked who, or "what" stole the camera yet. The answer is more unusual than you may think. There he was minding his own business, whilst visiting Gibraltar, when a monkey (which I presume would have been a Barbary ape) harassed him and proceeded to steal his camera. Even the most hardened claims advisor would struggle not to find that one funny.

So there you have it, next time you take out an insurance policy of any kind remember that one day you too might find yourself fishing for a radio or grappling with a monkey for your belongings and relax, safe in the knowledge that however strange you claim is you will be covered.


Source : http://www.goarticles.com

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Car Insurance Tips for Driving Abroad

By law, British motor insurers must cover your car for the minimum cover required by the law in other European countries, or the minimum cover required by UK law, whichever is greater.



In most cases, this means that no matter where you are driving your car, you'll have at least Third Party coverage. There are special conditions that may apply however, and you'd do best to check with your individual insurer to find out about limits or conditions on your policy. These are some of the most common limits and conditions found on UK policies regarding driving your own car abroad.


No cover for damage to your own vehicle

While you may have cover for collision damages when driving at home, many insurers will only cover damage to other vehicles if you are driving abroad. You can extend your policy to cover damages to your car from fire, theft and collision while abroad by talking with your insurance company or broker.


No breakdown cover abroad

Even if you extend your car insurance to cover you while driving your car overseas, you won't be covered if your car should breakdown on the side of the road. Your insurer may be able to provide international breakdown cover, though you may get a better price on breakdown cover if you buy it in conjunction with your holiday insurance or even through your home insurer.


Advance notification required

Some car insurance companies require you to notify them in advance if you will be taking your car abroad with you. If you fail to give them notice and are involved in an accident, you may be left with only third party cover. Check your policy to find out how much advance notice your insurer requires in order to extend your policy to cover you when driving your car abroad.


Time limits on motor insurance abroad

Some higher end motor insurance policies allow you full coverage overseas for up to a stated length of time - generally 30 to 90 days - at no extra charge. They still require advance notice to extend your coverage, but as long as your overseas visits are less than the stated amount of time, you won't be charged an extra premium. Be sure to check for any limitations on your policy while overseas. In most cases, only repairs will be covered. You'll have to make other arrangements for transportation, car hire and other accommodations.


Tips for Taking Your Car Abroad

1. Check to find out how much cover your current motor insurance provides if you are traveling abroad.

2. Arrange for a Green Card through your insurer. The Green Card is an easy way to provide proof of insurance cover in most European countries.

3. Get separate breakdown cover. Most motor insurance policies do not provide any breakdown cover in foreign countries. If you carry separate breakdown cover at home, however, check that policy. Some may cover you for short trips abroad at no additional cost.

4. Ask your insurer for a European accident statement form and keep it with you. Most will provide one free of charge. It's a handy way to jot down details of an accident while they are still fresh in your mind.

5. Because foreign cars are an attractive target for thieves, take precautions to make it difficult to steal your car. Always lock the doors, and keep motor insurance and vehicle ownership papers on your person rather than in your car.


Source : http://www.goarticles.com

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5 Simple Steps to Turn You Into an Elite Forex Trader

These 5 simple steps will help turn you into a confident, disciplined Forex trader. By using the steps outlined below you can be in the top 10% of all Forex traders. That would be the few that actually make money.

There are going to be two things you notice about these steps:.


They are obvious.
They are simple.

All aspects of Forex trading should fall into those two categories. In fact, one of the biggest mistakes I see Forex traders make is trying to learn and use too much.

However, that is for a different discussion. Back to the 5 simple steps.


Step 1 - Get Yourself Ready To Trade

In my experience with hundreds of traders I have been amazed with how few of them know how to get their game faces on.

They forget trading is a job. The greatest one in the world, but a job nonetheless. It's difficult for them to be self motivated. Like the majority of the world they need someone over their shoulder telling them what to do.

So, find anything in or around you that can be used to prepare to trade.

Take a shower
Drink coffee
Stretch
Read a book
Do Yoga
Anything to clear your mind

Once your mind is clear, move on to Step 2.


Step 2 - Look over your last few trades

Your trading success, just like the Forex itself, will have momentum and patterns. As you gain experience you will learn to see YOUR patterns. You might catch yourself making the same mistakes time and time again.

As you will learn later, you should be keeping a journal of all your trades. I don't mean the records that come with your trading software. Your journal should be as specific as it can be.

Why did I enter a trade? Why did I exit a trade? Was I near support? Was I near resistance?

Just to mention a few of the questions that your journal should answer for every trade. Take note of any repeated mistakes you have made over the last few trades.

Once you have recognized any trading trends, move on to Step 3.


Step 3 - Fundamental and Technical Analysis

Fundamental analysis refers to anything other then price action. In our case it means news.

Technical analysis refers to anything that is related to price action. Price itself, formulas, patterns, etc....

There is a reason why I mention both of those in one step. I wouldn't waste an entire step on fundamental analysis. It doesn't take me 3 minutes. I look to see what piece(s) of news are being released today in order to determine what kind of volatility to expect in the upcoming session.

This helps me when determining which support and resistance levels I expect to come into play.

As far as technical analysis goes. I don't care what tools, indicators, charts you look at. However, be consistent. Don't use MACD and CCI one night, and RSI and Stochastics another. Don't keep changing the length of your moving averages, or switch from simple to weighted to exponential.

The fact is, find what makes the most sense to you. I think it's great to understand what these indicators mean, but there is no need to over analyze.

I would like to add one thought here...use Fibonacci Lines.

Once you have finished your analysis, both fundamental and technical, move on to Step 4.


Step 4 - Money Management (Determine your trade size)

You should have a very well defined money management system. For example, never risk more then 4% / 5% / 10% of your account on one trade. Increase your trade size by one mini for every $400 / $800 / $1,200 in profit.

It has always astonished me how randomly some traders make these decisions. They change their approach day after day. This is a sure fire path to failure.

Determine what makes the most sense to you and stick with it.

Again, I'd like to add in a thought here. You shouldn't be trading a live account until you can consistently make money in a demo account. At least 2 straight weeks of profit, and not because you made $10,000 one day while losing money in 9 out of 10 days.
So, assuming you are trading a live account, adjust your position size to meet your predetermined formula.


Once you have determined your trade size, move on to Step 5


Step 5 - Make the Trade!!!

You have done all your homework. You have used all your skills and knowledge. The only thing left is to make the trade.

By now, you know exactly what you expect to happen with the currency pair you are watching. You just have to stay patient until your opportunity arises.

However, once it does, pounce on it like a lion on its prey. Do not hesitate when you see exactly what you expected to see.

Be sure, of course, to place a stop order either with your entry order or immediately after. Also, if you have one, be sure to place your profit target.

Once you enter or exit your trade, start writing. Record your trade in a journal, with all reasons for entry and exit. Be as specific as possible. You will be amazed how much valuable information you will gather over time.

Using these 5 steps you should be able to make drastic strides in your Forex trading. If, however, you are not comfortable with any part of your trading it is imperative that you consider a Forex trading course.

Remember, you are only as good as your knowledge and your knowledge is only as good as your education.


Article Source: http://www.superfeature.com


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Is FOREX Trading the Greatest Business Opportunity...EVER?

FOREX Trading is the greatest home-based business potential available today, and maybe even in history. Let me show you why.

We just want to be clear about who this article is being written for. Anyone looking to start a home based business, or career, without risking a lot of money, but who is willing to put in the time necessary to achieve his or her goals.



FOREX Trading vs. Real Estate

One of the more popular home based business opportunities is real estate.

Let's take a look at some of the more unappealing parts of the real estate business.


Real Estate:

Amount of Money Needed to Begin:

Regardless of what the infomercials have to say, it costs a great deal of money to get into the real estate business. Even the "No Money Down" systems expose you to an amazing amount of risk.

Whether you put money down or not, you are responsible to pay for the "product" you are purchasing.

If you are unable to find a way to produce revenue from your investment quickly, you will be paying a mortgage payment. It only takes a few months of mortgage payments to turn "No Money Down", to "Some Money Down", to "No Money Left".


Amount of Time Needed to Begin:

Another lie repeated on infomercial after infomercial is that it only takes a few hours a week to begin making money in the real estate business.

We don't want to speak for anyone else, but whom do they think they are kidding. So, let me get this straight...

? looking for a home online
? speaking to a realtor
? driving around your neighborhood
? speaking to a mortgage specialist
? and all of the other things you have to do on EACH AND EVERY HOUSE

All of these, combined, will only take me a few hours a week?

We think we are starting to see why such a large majority of home based businesses fail. It's misleading to believe a halfhearted attempt will lead to success.


Amount of Knowledge Needed to Begin:

In order to succeed in the real estate business you have to obtain a wealth of knowledge. How do you fairly value a home? How long will it take to fix, and sell, a home? How much should lumber cost? How long does it take to install a sink?

Those are the simple questions. Zoning laws, contract laws, and tax laws are just some of the more complicated topics that you'll need to understand.

The fact is, we can continue writing about the knowledge you need for days. Obviously, in order for you to succeed in real estate you need a wealth of information.


Amount of People Needed to Begin:

Unless you are completely familiar with all aspects of the real estate business already, you will run into one of a few problems:

1. The amount of time it would take you to become familiar with all sides of real estate.

2. The amount of money it would cost you to FAIL at the real estate business.

3. Most likely, the amount of money it would cost you to build a team of people who are willing to "share" their knowledge with you.


Experts don't come cheap, and without them you are helpless. In our opinion, this is one of the greatest shortcomings of the real estate business.

Your success, ultimately, lies in the hands of others. We can't stress this enough...you financial future is dependant on the performance of a complete stranger.


FOREX Trading;

Amount of Money Needed to Begin:

Nothing. Zero. Zilch. Nada. $0.

If done right, you should not risk any money when learning to trade the FOREX. Again, we guess it's only fair for us to explain. Without getting too technical, we want you to understand one very important point.

Whether you are trading with $1,000,000 or $0, the information and technology available to you is identical. You can acquire the skills and knowledge necessary free.

Not only is this uncommon in relationship to other home based business, it's also unique in relation to other trading markets (There will be an entire article explaining the benefits of the FOREX markets vs. any of the other markets).


Amount of Time Needed to Begin:

Before diving into the answer, specifically, we think it's important that you understand another concept unique to the FOREX. Twenty-four hours a day trading. That's right, FOREX markets are trading 24 hours a day, from Sunday afternoon to Friday afternoon.

How does this help in answering the question at hand, how much time is needed to begin FOREX trading?

As we've mentioned earlier, in order to break into the real estate business requires a major commitment of time. Most of which has to happen between 9 AM and 5 PM. The fact is, you can't speak to a realtor at 3 AM. Everything you do has to be around somebody else's schedule. That means that 40 hours of work could take you 4 weeks.

Those same 40 hours, while learning FOREX Trading, might only take you 2 weeks. All you need is a computer and an internet connection. In addition, since there is substantially less needed to learn in order to succeed at FOREX Trading, 40 hours of work will put you much closer to success then it would in real estate.


Amount of Knowledge Needed to Begin:

As a FOREX trader you only need to acquire the knowledge that will be necessary for you to make money trading.


Why does this matter?

Let me answer this with an example. Why do my plants need water? Actually, we don't know. To be more precise, none of us actually cares. However, we do know that if we don't water them, they die. That fact alone gives me enough reason to water my plants.

This concept holds true in the FOREX markets. With all of the information available worldwide, it's easy to get caught up in the non-important factors. Like, why do my plants need water? However, all you need to know are the exact steps to take in order to succeed. Like, water your plants.

This drastically limits the amount of time you must invest in learning to trade the FOREX.


Amount of People Needed to Begin:

Well, to attempt FOREX trading takes only you. To succeed at FOREX trading takes you and an educator. Combining these two pieces creates one of the simplest puzzles around.

Imagine trying to learn 2 + 2 = 4 without the guidance of a teacher. None of us would ever grasp this simple subject if left alone. In fact, we wouldn't be able to communicate at all without the examples set forth to us by our parents.

Our entire lives are molded by the quality of the education and guidance we are provided. This holds true in FOREX Trading.


With an elite FOREX Trading Course, you are on the path to successful FOREX trading.

Ultimately, YOU determine your success. However, getting the right foundation and ongoing support will put all the odds in your favor.


Article Source: http://www.superfeature.com

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You Bought it, Now What? - The 6 Most Common Mistakes Made When Choosing a Property Manager

Buying a piece of income property, whether it is for residential or commercial use is a great investment. What better of a way to gain a valuable source of residual income than investing in income produceing real estate? No matter what type of property you purchase, if you intend for it to be used for real estate purposes or for commercial purposes somebody has got to manage things, both in regards to establishing contact with tenants and serving as a midpoint between the tenants and the owner.


In addition, somebody has got to be there to manage the property from a financial perspective, collecting and following up on invoices and paying bills, among other things. Who should the check be made out to, and who should the tenant contact if they should have an issue to discuss? Just because you purchased the property does not make you a counselor or consultant, and it definitely does not imply that you have any customer service skills.

This is what a property manager for. They can cover just about all of these things and more, but just like the saying goes 'nothing in life is free.' Property managers do charge for their services and you don't always get what you pay for (or thought you were paying for) in any case. To give you the best tool possible to avoid getting into an issue with a property manager that you are unable to handle, here are some of the most common mistakes that people in your position make, spelled out in plain English so that you know to avoid them.

• Over Paying
Paying too much is the top mistake that first time property manager hirers are guilty of making. Property managers do a lot for your company, and it is important to pay them but nobody said you had to make them rich. Ten percent of the monthly rent paid is a great place to start as far as recurring payments, as well as a set percentage of the first month's rent of a new lease or a small percentage of the amount of the total leasing amount over the entire span of their time is also okay.

• Hiring a Bozo
Okay, of course nobody is going to necessarily hire Bozo the clown, but if you are going to spend the money to hire a property manager make sure you hire someone who is qualified and knows what they are doing. Of course not every property manager is going to be degreed, but having the right experience in lieu of a degree is an essential qualifier. It may in some cases be okay to give a newbie a chance, but make sure that you are able to spend the time or hire somebody to spend the time to properly train them.

• Hiring One-Sided Property Managers
Many owners find it easier to hire companies or individuals who will do the leasing side of things but not the managing side of things as far as tenancy goes. It is easy to hire someone to do this because it is usually for a substantially less fee than those who do both but don't be tempted. Those managers who do not have to deal with tenants will be a lot less scrupulous when it comes to selecting them. After al, who cares what somebody is like as long as you don't have to live around them?

• Hiring a Manager You Would Detest
If you meet your potential new property manager and you feel like you wouldn't care to deal with them, consider the fact that you might not want to hire them. If you have ever lived near or rented from a property manager that you hated you will understand why, but treat your potential renters as you would yourself. This is also bad for business, so if you want good clientele make sure that you only arm yourself with the best people to deal with them.

• Using Standard Contracts
Make sure that when you hire your property manager, your contract reflects the times. This also goes for your leases. If you buy the pack of contracts or leases from Staples where you simply fill in the blanks, you are leaving yourself open for a lot of holes. Have your contracts done specifically for your situation.

• Signing a Long Lease/Contract
The worst thing you can do is sign a super-long contract with a property manager or managing company; that is, unless you have worked with them for years. If a company provides good service and is consistent and worth the money that will keep you in the game, not some silly contract that can be forfeited or fought in the case of poor management. This is why it is important to have better than a standard contract.

Hiring a property manager can be a real headache and if you are a first timer, that is more than an understatement. That is why it is important to make sure that you do well when you are hiring you property manager, so that you don't have to deal with it again any time soon.

You want to make sure that you get the best deal that you possibly can, but you want to make sure that your property manager will do a good job for you as well, and you do not have to spend a fortune on them to do so no matter what type of property you need managed. Property managers are supposed to help increase your revenue, not draining it by charging outlandish costs and fees.


Article Source: http://www.superfeature.com

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The GOAL OF Market Analysis in Commercial & Residential Real Estate Developments

A successful commercial or residential development begins with a comprehensive market analysis. The results obtained from this research help an investor or developer to plan out his/her what to build and when. Significant decisions in the real estate industry are made with the help of market analysis; it helps executives decide on important aspects of the business which include promotional and marketing efforts as well.


Market analysis is a science that entails systematic and procedural gathering and analysis of information obtained about three key factors inherent in determining the likely success of any real estate development – customers, competitors and the market. Every industry that exists in the market needs to perform market analysis to remain successful in the market and to grow. Real estate investors and developers rely on market research and analysis to help them answer certain basic questions:

• What are the real estate market trends?
• What are the latest developments in the real estate market?
• Who are the competing investors and developers?
• Who are the upcoming competitors?
• What are consumer reactions to the real estate trends?
• What are the consumer demands?
• What should be initiated to meet consumer demands?
• What are consumer opinions about different competitors?

Market analysis provides answers to these questions and many more. This information is vital and indispensable for any business to continue and to grow including real estate. Careful research of the three forces at play provides statistics and metrics to decision-makers on the basis of which a business’ future growth is relied upon. Review of market analysis affords one the ability to confidently assess the needs of customers, their perceptions, their attitudes, their demands, reliable sales forecasts etc. and thus decisions and plans can be formulated accordingly.

A real estate investor who is reluctant to spend the necessary time and money for market research can be making a big mistake. Today’s market is so dynamic that it is important to measure and to predict all possible scenarios. Of course this is not an exact science as there are too many factors at play. However, an investor should make every effort to conduct a thorough a market analysis to make sure he/she is developing to meet market needs and avoid incurring potentially huge costs, or worse, a complete failure of the development.

Investors and developers in the real estate industry have to recognize the value of market analysis prior to any buying or building commitments. Market analysis provides reliable data that can help investors and developers play safe; with the help of this information, they can maximize their returns. Opportunities in real estate acquisitions and land developments or remodels can be pursued with confidence available only in the presence of such data. The results can be used to one’s advantage by performing due diligence and minimizing risk.

Market analysis condenses information and confirms mere thoughts and predictions by demonstrating proof and factual data. Different regions and different populations have different needs and demands; thus, market analysis helps to identify these distinct demands that vary from region to region. What styles and developments may be popular in one area may not at all be appreciated by the local populace of another area. All these needs and preferences can be confirmed by conducting market research.

An important aspect that shapes market analysis is the demographic attributes of an area. Demographic analysis is absolutely imperative to establish the “highest and best use” of a real estate development. Demographics include factors such as age, gender, race, income, education, status and the like. These factors are primary players that determine an individual’s interests and demands. Thus, they help a market researcher to derive the demands of an area by understanding the thinking processes of the people residing there.

Once the value and worth of market analysis is comprehended, an investor or developer can proceed by approaching a professional planner or development consultant who can further guide on the steps involved in this process.

Developers should aim their specific market analysis to determine supply and demand. If sufficient demand is observed, a developer should then approach an engineering or architectural firm that can draw plans and devise designs. After these steps have been taken, an investor will be more confident and inclined to proceed with the development knowing that the project has passed the biggest test of time – market analysis. This is because he/she has viewed data and research information that highlights the relevance, demand and potential profitability of the project.

The striking difference between a real estate project that flourishes and one that perishes is market analysis which, in turn, helps investors and developers make informed decisions. The power of market research is such that it can bring development firms, planning firms and government agencies together in the creation of lucrative project.

Researchers and developers realize the potential of the information they can provide. Market analysis is becoming increasingly popular and today most successful developers and investors demand a comprehensive market analysis prior to taking any big steps. Soon, it will become the norm to analyze the market forces; its increasing popularity has enticed many corporations, businesses and individuals to get involved in it. As a result, investors and developers have numerous options to choose from for their purposes.

Investors and developers should not underestimate the limitless potential of market analysis. What a good and comprehensive market analysis can provide is literally unattainable and out of bounds for any other channel. Consequently, to enjoy the maximum benefits that a real estate developmental project can provide, market analysis prior to buying or building is the way to go.


Article Source: http://www.superfeature.com

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Business Exit Strategy

What is an exit strategy?

exiting or leaving your business on your own terms

Every business is bound to change hands sooner or later and if you wish to have it happen on your terms you need a plan to cover all circumstances, even on occasions that may be out of your control. You should operate your business so that it is ready for your exit every day of the year because you never know when circumstances will force your hand -


Illness
Death
Divorce
Partnership breakdown

The last thing you want to happen is to be forced to sell your business in a hurry because circumstances have robbed you of your desired outcome. An Exit Plan is one of the most important tools you should have in your business. It’s a plan that considers your future desires and ensures that you remain focused on achieving those goals whilst removing you from the business. Some well organised business owners have an Exit Strategy as part of their business plan and make no secret about achieving this goal.

Putting strategies in place regardless of whether you have the desire to sell in the near future or at some time in the future can significantly help to achieve your optimum sales price. This is because businesses with systems in place and are operated under management are more attractive to a broader market of potential buyers.

A good Exit Plan enables a smooth transition with less likelihood of disruption to the operation. By planning your exit well in advance you can maximise the value of your business and enable it to meet your future needs. We recommend that you make sure your plan is attainable - set a realistic timetable and measurable milestones along the way and stick to them.

An Exiting Strategy or a Succession Strategy is a multi-faceted process that includes an analysis of your business, a valuation of your business, the preparation of your business for sale, setting a realistic time frame and many other considerations.


What is involved in an exit strategy?

The Exit Strategy is all about preparing your business for the eventual sale of your business on your terms therefore it is important to prepare it in such a manner which is attractive to a wider range of potential buyers. It is believed that you should start planning your exit strategy from day one, it should form part of your business plan and be the underlying force which guides the processes of how you operate your business.

You will need a strategy that will maximise your selling price, but please don’t worry if you haven’t formed a plan as yet. This is where we bring the greatest value to the process, we can advise what buyers are looking for when they purchase a business and suggest strategies to satisfy their needs making your business a more attractive proposition.

Please visit www.businessopportunities.net.au to find out more.


Article Source: http://www.superfeature.com


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Secured Home Loans: Easy The Loans, Easier The Repayments

Very often a homeowner faces financial shortage, and seeks for an external monetary aid to carry out demands. And while looking for a loan the main concern is to meet multiple demands in a single amount. This purpose can be well served in a particular loan plan termed as Secured Home Loans. Secured home loans give an opportunity to the homeowners to use the value of the house despite being the most and safest place to live in. Secured home loans are intended for home owners paving a way to fulfill the demands by pledging his house as collateral. Though the house is used as collateral but the homeowners should not have to move his house which makes the loan in favor of the homeowners.



The house carries a high equity, and being well aware of the fact lenders release large amount of loan to the applicants. In secured home loans, applicants enjoy the privilege to withdraw amount which mounts from £5000 to £75000, in general. But if collateral; carries a higher equity, then lenders usually allow applicants to borrow more amount than mentioned. Secured home loans are long terms loans stretching the repayment duration from 10 to 25 years. Such suppleness or elongated form of repayment course makes the repayments easier and affordable for all. In addition, the longish reimbursement period indirectly gives an opportunity to make the economic condition even. As the secured home loans are secured by applicant's property, so the borrowers are allowed to obtain the loan at low rate of interest.

Secured home loans release large amount making it possible to execute demands in multiple. In a single amount, buying a car, holidays, weddings, consolidation of debts, decoration of house and such ends can be fulfilled in a relaxed manner. Secured home loans can be availed by persons who are having bad credit tags and looking for some support despite the poor credit profile. Lenders show no signs of hesitation to allocate funds to bad credit holders as they become ascertain of applicants repayment due to the pledging practice of collateral.


Souerce : http://www.goarticles.com

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Secured Personal Loans:Reasonably Providing Financial Stronghold

Having identified the demands that should be fulfilled as it plays a vital role in your daily life; you are unable to execute it due to the lack of funds. Moreover, to fulfill the desires you might be seeking for a large amount, but with the existing various schemes in the market it has left you in a perplexed state to click the perfect loan plan. In such circumstances and giving prominence to your demands, considering the secured personal loans will not let down your hopes and aspiration. Secured personal loans are capable financially, to support persons like you, looking for an external monetary aid at reasonable and affordable rate of interest.



It is a secured plan and for approval of secured personal loans, applicants have to follow the practice of pledging property as collateral. Collateral that applicants will pledge must have monetary value on the market. Land, estate, house, car, commercial sites are some forms of property which lenders readily accept as collateral and based upon the equity that it holds amount of loan is released. But secured personal loans, like any other loan plan, allow borrowers to borrow a specific amount that mounts from £ 5,000 to £75,000. As it is a secured loan plan, the repayment duration is elongated and graces from 10-25 years from the date of approval.

Secured personal loans provide a financially stronghold to the both good and bad credit holders. And with the loan the borrowers can fulfill demands which they are longing for such as buying a car, weddings, children's higher education, holidays are few among the clusters of ends. Borrowers of secured personal loans can meet the wishes at reasonable and affordable rate charges as the interest rates of this loan are low. The low rate of interest creates the atmosphere to save money and strengthen the economical base.

It is no more the days that applicants have to visit lenders office again and again to collect details or get the loan approved. The approval process can be carried out from home or office by switching the online application device. So, secured personal loans can be approved from home by filling the online application form with details of personal and credit score.


Source : http://www.goarticles.com

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FX Currency Trading for Profit

Foreign currency trading or FX currency trading is the new age buzzword for the smart investors. In the global market of foreign currencies, prices fluctuate against one another and change value over time. This creates the opportunity for investment by trading one currency against the other. The dramatic evolution of communication technologies in recent years made it possible for millions of small individual investors to trade forex which was not open to them earlier.


According to a recent study, currencies worth more than $1 trillion are traded daily in the global forex market. Global political and economic events influence forex currency trading. The rates of currencies are determined by the investors' attitude influencing the market. So if you were capable of foreseeing these developments, you can make profits in FX currency trading. On the other hand, if your assumptions are not correct, you may suffer huge losses. So the key to successful forex currency trading is knowledge.

Forex trading involves currency transactions between banks, investment funds, forex brokers and traders. The demand and supply of a particular currency and investors' expectations determine the market price of that currency. There is no physical location of the market and it is a virtual market.

Four "currency pairs" dominate the global forex currency trading market. These are Euro versus U.S. Dollar, US Dollar versus Japanese Yen, US Dollar versus Swiss Franc, and US Dollar versus British Pound. So for any investor, it will be wise to hold a currency that appreciates in value in relation to the other currencies. For example, you may buy 50 British Pounds for US$100 and hold the Pounds for a while. When the value of Pounds increases in relation to US Dollars, you may sell those Pounds to earn $120.

Analyzing forex currency trading market is also equally important. There are two types of analysis: "fundamental" and "technical". Fundamental analysis takes into account the economic conditions, political events, situation of emergency, etc. to derive the trend. Technical analysis, on the other hand predicts the future trend on the basis of past prices and trends. Fundamental analysis explains the reasons behind price movements and attempts to predict changes in price and market trends. Traders and investors adopt a hybrid method of analysis based on both technical and fundamental analysis for their Fx currency trading.

Forex currency trading is sometimes described as one of the riskiest financial markets. However, by choosing the reasonable leverage size, traders can minimize their risks. The Forex market is a highly speculative in nature and the ability to analyze price behavior becomes an invaluable asset for any trader or investor.

Since every country is involved in forex currency trading, the market is open round the clock. Irrespective of geographical location, any investor can open an account and buy and sell in any quantity of forex currencies from anywhere in the world. The FX currency trading offers fantastic opportunity for wealth provided you know the basic rules and regulations of the market. Therefore, before starting FX currency trading, do your homework and read as much as to maximize your knowledge hence profits.


Source : http://www.goarticles.com

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Money Merge Account - Facts and Fiction

I have been a mortgage broker for over 10 years in South Florida. Over the years, many mortgage acceleration programs have crossed my path, but I have never felt truly passionate about one of these programs until I was introduced to the Money Merge Account from United First Financial. The purpose of this article is to outline the benefits and put to rest the misconceptions about these innovative programs and why I truly believe the Money Merge Account is the best of them.




To start with, we first must understand what exactly is meant by the term "mortgage acceleration program" and what every one of these program does and does not do.

Mortgage acceleration programs are designed to "help" or "assist" in paying down your mortgage's principal balance and save on the total amount of interest you pay on your mortgage. If you borrowed $200,000, then you will be paying back the $200,000, just the amount of interest you pay will be reduced. I usually refer to these programs as the "diet programs of the financial world". The reason for this analogy is, just like diet programs, every person is capable of losing weight although some of us need help in achieving this goal. The same can be said about our mortgage. We are all capable in paying off our mortgage faster, but some of us lack the financial obedience and discipline to do so. Mortgage acceleration programs keep us on the path toward our ultimate goal (living mortgage free) and making this task easier and less stressful for us; that is all.


With that being said, I would like to look at the two different types of mortgage acceleration programs available today and the pros and cons of each.


The first type of program is the first position Home Equity Line of Credit or HELOC for short. In this program, a client is asked to refinance their existing first mortgage (which is usually a fixed rate, fully amortized loan), their second mortgage (if they have one) and their credit card debt (if they have any) into a first position HELOC. The reason for this is the payment on a HELOC is interest only, BUT the amount of interest we are charged is based on the daily average balance of the HELOC for the prior month. The client is then asked to transfer the full amount of their paychecks (and whatever other money they make that month) into the HELOC (they should always have a $0 balance in their checking/savings accounts). By doing this, it drives down the principal balance of the HELOC. When they need to pay a bill, they simply can write a check from their HELOC to pay it since all HELOCs act as a checking account as well. In essence, the HELOC becomes the client's checking and savings account.


To put this into prospective, let's look at an example:

A person starts the first of the month with a balance on the HELOC at $100,000. They are paid twice a month on the 1st and the 15th in the amount of $2,500 each pay period and they have monthly living expenses of $4,000 (to make this example simple, we will assume the client pays all their bills on the 30th of the month). Therefore, they started the month with a $100,000 HELOC balance, but their paychecks were applied throughout the month and then their expenses were written from the HELOC, therefore, their end of the month balance is $99,000 (($100,000 - $2,500 - $2,500) + $4,000). If the interest rate on the HELOC was 10%, people would assume that their payment would be $825 at the end of the month (($99,000 * 10%) / 12 = $825). But this is wrong. There true payment would be based on the average daily balance of the account, which is $93,083.33 ($97,500 for the first 14 days, $95,000 for the next 15 days and $99,000 for 1 day divided by 30 days). Therefore, their payment on the HELOC would be $755.69. This is a difference of $49.31.


Based on the information above, lets look at the pros and cons to this program.

The pros to this program should be easy to identify:

1) Every dollar earned and saved is used to help pay down the principal on the HELOC. 2) No extra steps are needed to be taken by the client, just transfer their money from checking/savings into the HELOC. 3) Access to the HELOC is always available to pay expenses.

The first position HELOC is a very simple and effective way for people to use every dollar they earn and save to help pay down the principal balance and save on they amount of interest they pay on their mortgage. However, there are a number of cons with this program which has prevented me from offering this solution to clients. They are as follows:


1) They client never truly knows how many years are left until their mortgage is paid off because a tracking system has not been developed. 2) The interest rate on the HELOC is adjustable and tied to the Prime Rate which is controlled by the Federal Reserve. The Federal Reserve has increased the Prime Rate from 4.00% in July 2003 to 8.25% in July 2007. As the rate of the Prime Rate increases, the length of time to payoff the client's mortgage also increases as well as their payment. 3) There is always the "drunken sailor effect" (this is what I call it) to consider as well. This basically suggests that since the client always has full access to the HELOC, they can borrow from the HELOC and drive the principal balance up to its original amount. People who have access to money tend to spend it if it is not watched closely. 4) Lenders who offer this program typically charge high fees.

The second type of mortgage acceleration program combines the use of a second position HELOC and computer software to payoff the first mortgage and other debts (this is how the Money Merge Account is setup). In this program, a client obtains a HELOC as a second mortgage on their property. The client is then asked to transfer the full amount of their paychecks (and whatever other money they make that month) into the HELOC (they should always have a $0 balance in their checking/savings accounts). By doing this, it drives down the principal balance of the HELOC. When they need to pay a bill, they simply can write a check from their HELOC to pay it since all HELOCs act as a checking account as well. In essence, the HELOC becomes the client's checking and savings account.

Computer software is then used to monitor how much money is coming in, the frequency in which the client is paid and how much is going out for expenses. Based on these factors, the computer software will tell the client exactly how much (an exact dollar amount down to the penny) and when (an exact date) to borrow from the HELOC and apply it as an additional principal payment to their first mortgage. The computer software will also keep track of how much principal is owed on the first mortgage and HELOC and how much time is left to payoff the mortgages.

Now that we have an overview of how the program works, let's look at the pros and cons to this program.


There are a number of pros to this system which make it very useful to a client. They are:

1) The client does not have to refinance their existing first mortgage (which is usually a fixed rate). 2) The HELOC can be obtained at their local bank and the bank does not charge fees (check with your bank to be sure) to obtain the HELOC. 3) A much smaller HELOC is used. 4) The interest rate on the HELOC does not matter as long as the client does not have an existing HELOC with a balance. If the HELOC is new and doesn't have a balance, the client will payoff their mortgage(s) in the same amount of time regardless of the interest rate. 5) The computer software acts as a "financial dashboard" clearly showing the client their income, expenses, what they owe on the mortgages and when everything will be paid off. 6) The client has to manually input their expenses into the computer software, thus subconsciously making them realize how much money they are truly spending (helps prevent the "drunken sailor effect" from happening). 7) The client can clearly see the amount of time added to the payoff of their mortgage with every expense. This is referred to as the True Value of Money. Although some expenses are necessary (food, gas, electric, etc...) many are discretionary and can be cut back on (going out to dinner is a big one). This subconsciously makes the client become more frugal with their money and spend less on unnecessary expenses. 8) Every dollar earned and saved is used to payoff the mortgage(s). 9) Less expensive then the first position HELOC. 10) WILL ALWAYS PAYOFF FASTER THEN THE FIRST POSITION HELOC. 11) The results are Guaranteed.


Although the pro list is long, there are some cons to this program:

1) The client has to manually input their expenses into the computer software; therefore, there is the chance they will not. 2) The program does not move the client's money for them. Additional principal payments to the first mortgage from the HELOC have to made by the client. 3) Clients living in states which will not allow HELOCs (Texas is one of them) are not able to utilize this program.

In this article we examined the two different types of mortgage acceleration programs and listed the pros and cons of each of them. You can clearly see why I have chosen to offer the Money Merge Account to my clients over the first position HELOC. I truly believe this program will help those clients who need assistance in controlling their finances to become mortgage free. At the time of this article, I currently have several clients utilizing the Money Merge Account and all are happy and referring other potential clients to me. It should also be noted that there is not one unhappy client out of the many thousands across the United States who are currently using the Money Merge Account.

Source : http://www.goarticles.com

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Real estate investing in bonds

Depending on what type of bond you are investing in, could make you earn a lot. There are varieties of bonds available in the market such as Mortgage Broker Bonds, Surety Bonds, etc. Short term low return bonds are a safer way of investing your hard earned money, Companies and Government Issue bonds to meet their day to day operation. When you are investing in a bond, you are loaning your money for an assured period of time to the issuer. In return the bond holder will pay you interest on your investment.


Many "savers" want liquidity or fast admittance to their money without penalty. Bonds provide a pleasing saving or investment vehicle for many reasons. ICC broker bonds are definitely safer than stocks because if you hold bonds until the maturity date, you don’t risk your principle plus, bonds give you regular income as interest. The investor may think on the fluctuations on interest rate, but if you hold the bond till the maturity fluctuation on your investing does not matter.

One of the disadvantage of real estate investing in bonds is diversification is hard to achieve unless investing in bonds mutual funds. The Advantages of investing in bonds are bonds pay higher interest rates than savings accounts and bonds usually offer a relatively safe return of principal. The other advantages real estate includes bonds often have less instability than stocks, especially short-term bonds, bonds offer regular income, and bonds are sold in small dollar amounts. Somebody recommends investing in bonds in countries like Britain, which are vigilant about increase, stable, and pay higher yields (5Percent+) than U.S.A bonds.

Government bonds are other wise known as “sovereign” debt. Government bonds are rated high then companies bond, this is simply government are trusted more and they default less than companies. You may buy bonds (gilts) through post office and stock broker also. If you don’t like investing in bonds directly, you may also choose from a wide range of bonds by investment companies. You can buy bond funds investing in different types of bonds, including investment grade, high defer and overseas bonds. Some funds also specialize in investing in budding market bonds.


Article Source: http://www.superfeature.com


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Should You Use a Charitable Gift Annuity?

A Charitable Gift Annuity is a contract where an individual (called a donor) gives an irrevocable gift of value (cash or other asset) to a qualified charity and in return receives a charitable tax deduction. For this gift, the charity agrees to make a payment of a fixed amount of money to the donor(s) for the remainder of their lifetime. These annuity payments are not considered "income" and a portion of each payment is considered to be a partial tax-free return of the donor's gift, which is spread over the donor's lifetime. The gift becomes a part of the charity's assets and the payments are a general obligation of the charity. The annuity is not just backed by the value of the contribution, but is backed by the charity's entire asset base. When the donation is in the form of securities, the value is determined by the fair market value on the date of the gift.


Many states regulate charitable gift annuities and require the charity to provide the state with a published gift annuity rate chart of the maximum annuity rate the charity offers each donor (annuitant), listed by the actuarial age (age to nearest birthday) on the gift date. The charity can spend a portion of the contribution at any time, including immediately after receipt. However, the charity must maintain sufficient reserves (as required by state laws) and satisfy regulatory requirements of the state where the charitable gift annuity was issued.

Charitable Gift Annuity - Agreements Several types of charitable gift annuities are available, but not all states allow the use of each type. Most times the state requires the charity to submit each different type of agreement it prefers to offer for approval. A few of the types of gift annuities are:

Immediate Gift Annuities These annuities begin making periodic annuity payments at the end of the period (monthly, quarterly, annually, etc.) immediately following the contribution. The payment periods are defined in the agreement.

Deferred Gift Annuities This type of annuity is where the annuity payments begin at a future date chosen by the donor. The payments must begin more than one year after the date of the contribution.

Tuition Gift Annuities Usually these types of annuities are created by a parent or grandparent for a young child and the payments are deferred until the child is expected to enter college. The annuitant(s) then has the option of receiving annuity payments for his or her lifetime, or receive much larger payments for a term of four or five years, as defined in the agreement.

Flexible Gift Annuities The annuity payment starting date is chosen by the annuitant(s). The donor would choose an initial "target date" for the payments to start. The charity would then offer a range of payouts with differing fixed payment amounts and differing starting dates. Since the charitable deduction remains fixed, the annuity rate for each starting date would have to change. The payments would be lower if the starting date was earlier and higher if the starting date was later. Each annuitant would have to determine on an annual basis whether or not they wish the annuity payments to start that year.

Agreement Versions There are three versions of each type of agreement. They are:

"single life" agreement - annuity payments for the lifetime of the annuitant(s),

"two lives in succession" agreement - annuity payments for the annuitant's lifetime and then the same payment to a second person if he or she survives the annuitant, and "joint and survivor" agreement - annuity payments to a wife and a husband simultaneously, each getting half of the payment, and upon the death of one of the annuitants, pay the survivor the full annuity.

Article Source: http://www.superfeature.com

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6 Ways To Save Over 30% On Affordable Health Care Insurance

We might splurge on comforts and luxuries but when it comes to investing some money on health insurance, we tend to think twice and put it on hold.

Unfortunately every day many new families in the U.S. are caught off-guard with a major medical problem that they cannot afford and are not covered by insurance for. It can cost you everything you have and also lead to getting bad care in the hospital.


Don't think you can't get an affordable health care insurance program - follow the following 6 steps to help you save up to 30%:


Choose By Location

Start your research by looking at your state's website under the insurance department. Make sure to look at your state specifically because prices/plans and laws are different by state. The site should list the many companies, what types of policies, rough prices and even have information on affordable health care insurance programs.


Know Your Priorities

A perfect example is if you have a specific doctor you like seeing - the first thing to do would be to check if that doctor accepts that insurance program. This is just one example of priorities you may have.


Let an insurance broker help

It's wise to approach an insurance broker, he can do the running around for you to help you find a well-suited insurance company, help shop for the best rates, and explain the ins and outs of your plan. It is, however, essential to check the reputation and credentials of the broker.


Get something called a *Free Look*

Just like you test-drive a car, you can take an insurance program for a test drive many times. Anywhere from 1-6 weeks, this is a money back period if you don't like the plan.


Get a Health Savings Account

An HSA is like an investment program to help you also save money on taxes. You basically put money in pre-tax and it grows tax-deferred. Then you can withdraw it any time to help pay medical expenses. By 65, you can take it all out and spend it on anything you want.


You Can Always Negotiate

You can negotiate with your doctors for their co-payments and for what kinds of medications they give you. Always ask for alternative treatments or the generic brands - let the doctor make the final decision though.

Just realize that even in America, no matter what some people say - it is still very possible to get affordable health care insurance programs - on the internet, just apply!


Article Source: http://www.superfeature.com

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Blue Cross Blue Shield Health Insurance - Good, Bad or Indifferent?

There can be few in the United States who do not know the name of America's oldest health insurance provider. But, despite its age and the fact that it provides cover for some one-third of all Americans, just how good is Blue Cross Blue Shield health insurance?


Many people who use Blue Cross Blue Shield appear to have mixed feelings about it. On the one hand, Blue Cross Blue Shield health insurance provides a relatively cheap alternative to a large number of other health care plans but, on the other hand, it also seems that this is very much a case of 'you get what you pay for'.

Certainly the cost for Blue Cross Blue Shield health insurance is comparatively low, but the price that you pay for this is often seen in the fact that it takes for ever to get the care you need. It can often take several weeks simply to get an appointment and, once you do get to see a doctor, it can then take several more weeks, if not months, to get the referral to a specialist if this proves to be necessary.

The real problem of course is that this does not simply apply to Blue Cross Blue Shield and there are a significant number of other providers out there who are just as bad.

Whether you are looking at HMOs, PPOs, or any other sort of healthcare provider, many have their problems and, invariably, the root of the problem is simply the age old question of money. Just like any other type of business, health insurance companies seek to maximize their profits while providing the minimum level of care which their customers will accept. In the case of Blue Cross Blue Shield health insurance you at least have an advantage over those people who have to pay more, but this is small comfort.


So just what is the answer to this problem?

Well, in the long run of course the only thing that will really make a difference is to move to a system of single payer health care. In those countries where everybody pays into a central health system through their taxes everyone, regardless of whether they have money or not, has their health needs met and gone are the days when we saw families suffering simply because of an inability to meet their doctor's bill.

Until the day comes when we have a single payer healthcare system a significant number of Americans will live as they do now in fear of getting sick, knowing that, if this were to happen, it could put a strain on their resources which might well land them in such debt that they will simply never recover.

Enough of the daydreaming though because the fact of the matter is that universal healthcare is a long way off if it comes at all and, for the time being, we are stuck with what we have which for many means Blue Cross Blue Shield.

Blue Cross Blue Shield health insurance may not be the best in the world but perhaps, alongside the other providers available, they are not a bad alternative for the price. At the end of the day Blue Cross Blue Shield has been around longer than any other insurer and provides health insurance for a greater proportion of the population than anyone else, so they must be doing something right.

This is of course only one personal view and your own experience may be quite different.


Article Source: http://www.superfeature.com

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