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Articles Archive for April 2006

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[5 Apr 2006 | No Comment | 262 views]

If you’re a teenager interested in making money, then this article is for you. I’ll tell you how to multiply the money you earn from your after school job with something just as fun as gambling in Las Vegas but a lot safer – the stock market.
Most people think that teenagers would be bored by the subject of investing and the stock market, especially when there are much more exciting things for teenagers to talk about such as dating, going to the movies, and hanging out with their friends. Well if you’re reading this article, then you’re one of the many teenagers that break the “teenager stereotype.”
Ok, to make sure that this article wouldn’t bore you, I sat down and discussed some rules about investing with a group of teenagers. They helped me come up with similarities between investing and dating, so I’ve decided to tell you ten ways investing …

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[5 Apr 2006 | No Comment | 218 views]

Do you want to know how to consistently earn double digit and triple digit returns from stocks? The answer lies in information technology. Yes. Information technology.
Most of the stocks I’ve owned that have earned more than 50% returns in less than a year are not even on the radar screens of the analysts of major investment firms. How do I know? Because I’ve worked at two Fortune 500 financial services firms as a Private Banker and Private Wealth Manager and never was able to find any research at these firms on the stocks that interested me the most. Why?
Because the way to make money in investing has changed dramatically and the big investment firms have not kept up. One of the reasons big investment firms have not kept up is because most have ulterior motives as pure marketing machines. Almost every manager at every large investment firm is compensated on …

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[5 Apr 2006 | No Comment | 276 views]

Want to learn how to earn 44% annual returns from your investments? Then consider private equity.
From 1992-2002, the top 25% of U.S. private equity managers returned 44.5% annually while the second 25% of private equity managers only returned 14.3% (Source: Venture Economics, Morningstar Principia). The returns of top private equity firms have been so solid that even private institutional endowments like that of Yale University expects almost a third of their portfolio return to come from the 17.5 % it had invested in private equity (Source: Yale Endowment 2003 report).
The risks of private equity are often misunderstood. Even though a lot of wealthy people have been investing in private equity for many years, it is still an investment vehicle surrounded by many misunderstandings. Private equity funds cover a wide range of different sectors as well as a wide range of structures. There are leveraged buyout funds, venture capital funds, distressed …

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[5 Apr 2006 | No Comment | 274 views]

Want to know what buying strategies to use when buying stocks that can potentially return triple digit gains? In part one of this series, I told you what factors you must consider when buying a small or micro-cap stock. In part two, I’ll review intelligent buying strategies when it comes to buying small caps.
Rule Number Two: Remove emotions from your buying decisions with a disciplined strategy.
Ok, so let’s assume that you’ve done your homework now and discovered a company that you believe will run up at least 60% or higher over the next year. Decide on a predetermined buying price and do not waver from this price. Period. End of discussion.
Why?
Ok, let’s take a look at hypothetical stock YYY. Company YYY is the industry’s leading innovator in a huge growth industry that has seen the biggest growth spurts in history for the last three trailing quarters, yet the general public …

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[5 Apr 2006 | No Comment | 277 views]

You’re the recipient of a structured settlement annuity but desire cash for annuity instead of your regular annuity payments.
But is cash for annuity really to your advantage? Sometimes yes and sometimes no, it all depends on your individual situation.
It’s true there are advantages and disadvantages for both the annuity seller and the annuity buyer.
The seller may require expensive medical care that is ongoing. In such a case, a structured settlement annuity would ensure that there is money to cover medical expenses over the long haul. Cash for annuity on the other hand, could vanish quickly leaving you with nothing or next to nothing to cover your medical expenses. Or, if you were to invest your cash for annuity wisely you could produce an even greater windfall.
From the perspective of an annuity buyer a minimal investment upfront would produce a substantial long term yield.
On the outside a cash for annuity payment …

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[5 Apr 2006 | No Comment | 262 views]

When it comes to how to compare annuity rate and how annuities can benefit you in general many people are confused. The problem is often due to the fact there are so many different kinds of annuities out there. There’s single or flexible-payment, fixed or variable, and deferred or immediate.
Regardless the type of annuity you’re ultimately interested in, it’s important that you take the time to compare annuity rate in order to provide yourself with the best possible income in your retirement years.
Because of the long term nature of annuities it’s important you understand your options and have all your questions answered by an expert in the field prior to investing any of your money in an annuity fund. The first step is to find a financial company you can trust and then explore your options.
Funding the best annuity for your purpose begins with doing some compare annuity rate homework. …

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[5 Apr 2006 | No Comment | 258 views]

Remember in the 1990’s when we got our 401k plans, we could invest and forget. Some of us could even self-direct funds and buy the stocks we wanted. The problem with this over the years is that 60% never adjust their funds. At age 22, your risk aversion is different than at age 62. What I’m saying is if you lost it all at 22, you still have time until retirement. At age 62, you’ll be a greeter at Wal-Mart.
A new type of fund has emerged. Its called a life-cycle fund. This fund adjusts as you age. It will move money for you as you grow older from stocks into bonds. This reduces your risk and you don’t have to worry about your retirement.
Sounds good, but don’t switch your 401k yet. Most of these funds are too conservative for the average 60 year-old who may live an additional 25 years. …

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[5 Apr 2006 | No Comment | 268 views]

Cash advances provide hassle free loan with high approval and often does not require qualifications. This is very much a reality with guaranteed fast payday loan approval process from payday loan providers. Today, these cash personal loans or pay day loans are the fastest means of getting an advance, without any fear of being denied and that too, without presenting any documents. These loans are your best choice in case of a financial crisis. The application, the approval and the money transfer are completed within 24 hours, without having to visit the lender’s office. Let us see why so many people prefer this new loan system.
Guaranteed fast payday loan approval – loans for emergencies
Payday loans are benefiting a large number of people, who at last have someone to look up to, in case of emergency. You can get cash from these cash advance companies very swiftly. These loans have a …

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[5 Apr 2006 | No Comment | 331 views]

After weeks of answering questions, providing endless financial statements and playing the “hurry up and wait” game you find out that your banker is unwilling to give you a business loan.
Now what? Do you go to another bank and try again? Possibly. But most banks have similar lending criteria. If you did not qualify for a loan at one bank, your chances are not good that you will qualify for a loan at another place. Though it doesn’t hurt to try.
However, there are other financing products that are easy to obtain – and in some instances – work better than a business loan. Here is a very simple quiz:
Does your business:
1. Have commercial customers?
2. Invoice at least $10,000 a month?
Is your biggest challenge:
1. Waiting up to 60 days to get paid by clients?
2. Paying suppliers?
3. Meeting payroll?
If this describes you, then you could be a good candidate for either factoring …

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[5 Apr 2006 | No Comment | 290 views]

I’ve heard a lot of agents discussing Zillow.com lately. Some complain the website (founded by Richard Barton, former CEO of Expedia.com) will hurt their business by taking away one of the key services they offer clients — namely, comps.
My first advice is not to rely so heavily on comps and consultations in the first place. My second bit of advice is to view Zillow.com in the proper perspective.
Don’t Rely on Comps and Consultations
This is a point I’ve been making for years, and the Zillow.com discussion brings it back into the light. If your real estate marketing program relies on comps, then your marketing program is flawed (long before Zillow ever came along). Likewise, the days of hanging your hat on the “free consultation” have passed.
Much of the information you would share during a consultation can be found on the Internet, if you know where to look. And believe me, your …