I Do It Easily

Archive for the ‘investing’ Category

Click Here Now To Download Your FREE Gift.

The Blog Entry that Accompanies this Vlog is at: investorandtrader.blogspot.com My Daily Blog is at: investorandtrader.blogspot.com My channel at BlogTV is: www.blogtv.com My Podcast is at: airelon.podbean.com and embedded in the daily blog. The question I receive more than any other, bar none – is . . . How do I begin in the markets? I mention this video is in regards to the stock market or futures account. But the principles apply to the Forex, to day trading, commodity futures options … whatever. Ok. In Pt 1, I started talking about my story, and how I started off with trading back in 1996. I finished that little story in the last video. Now, HOW TO BEGIN? How do you begin in this business. Education. I discuss the ‘roadmap’ for that, in thisvideo . . . NOTE: This is not an investment or trading recommendation. The losses in trading can be very real, and depending on the investment vehicle, can exceed your initial investment. I am not a licensed trading or investment adviser, or financial planner. But I do have 13 years of experience in trading and investing in these markets. The Challenge accounts are run for the education of other traders who should make their own decisions based off their own research and risk tolerance

Click Here Now To Download Your FREE Gift.

If you have a home loan but also equity in your home property and want to purchase an investment property to build wealth, then it is important to research the investment loan market to make sure that you apply for an investment loan that really works for you. When you apply for an investment loan, most lenders will simply offer you their standard term investment loan. Quite often they will seek to structure the investment loan so that it is on a principal and interest basis. While ever you have home loan debt it is much better to have an interest only investment loan. This ensures that the repayments you make on the investment loan are the minimum possible as opposed to including any principal reductions. If you apply any principal amount that you would otherwise have made on a principal and interest investment loan to the repayment of your home loan you will repay your home loan much faster and save yourself a heap in interest payments. There are also the tax considerations – if you do not reduce your investment loan debt then you do not reduce the amount of deductible interest you can claim each year. Your negative gearing position is maintained as opposed to diminishing each year.

Ideally an investment loan will also include a capitalizing line of credit so that you can have a buffer during high interest rate times or when there are unexpected vacancies or costs relating to your investment property. By including a capitalising line of credit within your investment loan you are also in a position where if you wished or need to you could capitalise the shortfall between the rental income you receive and the outgoings you incur (including the interest on your investment loan). This shortfall is added on to the investment loan instead of being met from your personal income. By not having to subsidise the shortfall in interest on your investment loan you have freed up your cash flow. The most efficient way to use this freed up cash flow is to apply it to an additional repayment on your home loan. You may not realise but if you were to capitalise a monthly shortfall of interest on your investment loan of say $350 (rather than pay from your salary) and instead applied that $350 to the repayment of your home loan of $150,000 (@ 9.25% over 30 years) then you would repay that home loan out in less than half the term (in 14 years and 2 months to be precise) and by doing so save your self almost $175,000 in interest repayments to the bank.

Many investors when looking for an investment loan do not properly research the market and accept whatever is offered to them by their bank. This approach can be costly in the long run. Check out the other investment loan options in the market and look to a lender who understands your investment needs and can provide you with an investment loan that gives you a lot of flexibility, is priced competitively and defintiel includes a capitalising interest feature.

It is also helpful if your lender is able to issue separate statements for each investment loan you have and your home loan. Some mortgage managers also give you the ability to name each account e.g. 16 William St making for easy identification of each investment laon for you, and your accountant at tax time.

Be an astute investor and look for an investment loan that offers these sort of features as it will help you reach your wealth building goals much quicker.

Click Here Now To Download Your FREE Gift.

There are lots of similarities between mutual funds investments and investment clubs, and it is very nice that we understand them, as investors. The first similarity is that both are contributory funds/systems of investments. That is to say that the money being invested is not owned by an individual, rather, it belongs to different people. These are funds that are raised from the contributions by the members in of the investment clubs or contributed by different people and handed to a fund manager for investment, in the case of mutual funds. This therefore makes every contributor to the club are partaker of the gains or loses that accrues from the invested funds. Here, there is no separation of funds whereby you may say that Mr A is not eligible for the gains or loses of the investments because his investments were not there. As long as he remains a member of the club, he remains a partaker of the proceeds of the investments. Like wise, Mr B cannot wake up tomorrow and say that he wants the refund of his invested capital because he is not satisfied with the little fraction that was given to him or that he don’t know why they should invest in company A or B. Every member of the club is a partaker of the gains and loss that comes out from the investments, except one person voluntarily decides to withdraw his or her membership. There are some exceptions however, if as in the case of investment clubs, the club’s protocol is violated, or in the case of a mutual fund, the trust deed or the document agreement is contravened, there is always a contention here of people calling for justice, because a law has been broken.

Another similarity between the two is that both of them are for long term investment purposes. Mutual funds usually takes one year for the investments to mature, at the end of which, the profits will be declared and each individual investor will decide on what to do with his own share, whether to re-invest it back, withdraw only the profit or to withdraw totally from the investments. In the case of investment clubs, they have a longer life span before their investment could mature. Usually, it is between three to five years. This is because, they are few in number thereby leaving them with less financial muscle, which now means allowing their investments to stay longer and increase their profit margin. These two investment windows are not get rich quick program, rather they are solid investment programs that needs time to mature.

The third similarity between the two is that the funds are not under the total control of one man, as regards to investing. It involves a lot of brainstorming by the analysts of the company. One man cannot just wake up and say that this is where I want to invest this funds, it must be in agreement with the members of the executive, and because a lot of brain storming is involved, the nitty gritty of every company they want to invest will be trashed out and in the end, they will settle for the best which they have agreed. It is a popular saying that two heads are better than one, and this is one of the reasons for their excellent performances. What would have been omitted by one person will be noted by the second and everything will be critically evaluated.

There are many other similarities between these two investment vehicles, but I want to stop here. Let me hear your own views on this issue.

Click Here Now To Download Your FREE Gift.

Are IRA good investments? With the ups and downs of the stock market the growth of IRA investments may not be what you had expected if you only have your IRA invested in the stock market. There are other investments besides the stock market where you can invest your IRA money. I’ll tell you another great investment a little bit later in this article.

If you’ve set your hopes on a carefree retirement without having to worry about money, the growth of IRA investments needs to be good. If you live in the north like I do, one of your dreams may be going south for the winter. That can be a costly dream, so you may want to get your ducks in a row early on in your investment strategy so you will have enough money to get away from the harsh north winters.

When looking at the question are IRA good investments, you need to know the benefits of investing in an IRA. A traditional IRA is tax deferred, which means you don’t pay income taxes on the amount you invest in the year you invest it. Instead you pay income tax on the entire amount you withdraw it.

Another type of IRA is a Roth IRA. With a Roth IRA you invest after tax dollars, which means it is not tax deferred like a traditional IRA, but you don’t pay any taxes when you withdraw your money. So the growth of IRA investments in this scenario can be very advantageous, because you will be withdrawing both principle and interest tax free, which means your growth is tax free.

Both scenarios should answer the question are IRA good investments with a resounding yes. For one thing you are putting aside some money for retirement, which is the first thing you need to do to insure those winters down south. You certainly won’t be getting away from the cold harsh winters if you are living just on Social Security income.

And second with both scenarios, you are realizing a tax savings; either at time of investment or at time of withdrawal. Tax savings mean more money in your pocket to go south for the winter. Both scenarios are good.

One thing you can do with your IRA accounts is to put that money in a self directed IRA. With a self directed IRA you can invest your hard earned money where you want to direct it, not where some stock broker or banker wants you to invest it. Many times the advise of a stockbroker or banker makes money for them, but not necessarily for you.

When you are the one directing your IRA you can be confident that you have it where you want it. One of the places that many investors overlook when looking for growth of IRA investments is real estate. You can have your self directed IRA invested in real estate and earn great returns.

So when asking yourself are IRA good investments, look at real estate. When investing in real estate you can see the growth of IRA investments doing some positive good for communities by providing housing for people. There is a company that offers turnkey investments for a self directed IRA that provides you with everything you need to know about investing for the betterment of communities with Socially-Conscious Investing To Empower Urban Communities.

Now that you’ve heard about it, check it out and see your retirement dreams come true when you see the power of the growth of IRA investments with real estate. You can earn money for retirement as you help others obtain affordable housing they need.

Click Here Now To Download Your FREE Gift.

Alternative Investments are the new safe way to invest your money. They are less risky and more secure investment ideas that investment companies have come up with to offer investors. Alternative Investments are a low risk and have less chance of failure. Alternative Investments can offer the investor a way to invest their money and eliminate the fear factor of the investment itself failing. For example, in the standard tradition of investing, an investor would maybe go to a stock broker and write them a check and then everyday for the next three years check the stock reports to see if their stock was performing well. They would have to worry if the stock would bottom out or the company would fail or get sold or many other bad things that could happen to the stock. The stock may go for roller coaster rides up and down many times. This would cause the investor great anxiety on a daily basis.

Alternative Investments are a financial solution to this problem. So, what is an Alternative Investment? One example is a Real Estate IRA retirement plan. This type of Alternative Investment is where an investment company places your money in a Real Estate property along with other investor’s money and as the property makes money, you get a monthly dividend which can be direct deposited into your bank account. This Real Estate IRA Alternative Investment is a much safer way to invest your money than the normal investment avenues such as the stock market.

With an Alternative Investments Real Estate IRA retirement plan, you remove worry and anxiety from your investment experience and allow yourself to enjoy the simple act of investing your money and collecting the profits. It’s a very smart and logical way to invest. Why have an investment that causes you much grief on a daily basis when an Alternative Investment such as a Real Estate IRA can make investing a more pleasant and financially rewarding process. By removing the danger of worrying about your investment during your day to day routine, you now can focus on your life and feel good about making money which is the point anyway. Alternative Investments and Real Estate IRA plans are a good idea and the future is now for this type of investing.

The best advice is to find an investment firm that offers Alternative Investments. I did a search and found EQlibrium Investments at http://www.eqlibrium.com/ . They did have my example of a Real Estate IRA at http://www.eqlibrium.com/products/real-estate-ira-401k.asp and Alternative Investments at http://www.eqlibrium.com/products/alternative-investments.asp ..