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One of the main elements of retirement planning is calculating how much money is needed to be financially independent. Sometimes referred to as "the number," this is the amount of money you need to accumulate so that you can safely withdraw income and have the freedom to do whatever you want for ... Views: 604
Although their forecasts are notoriously inaccurate, economists spend a great deal of time thinking about and forecasting future economic growth. Investors often consider these forecasts when deciding where to invest their money. The conventional view is that countries and regions with strong ... Views: 750
The risk of high future inflation may be one of the most important risk factors individual investors will face in their investment lifetimes. In the United States, inflation measured by the Consumer Price Index has averaged approximately 3% per year since 1926. However, the inflation rate has ... Views: 598
Today's challenging investment markets require investors to make smart, rational financial decisions. Investors need to have a well-crafted financial plan, access to high-quality financial and investment products to implement that plan, and perhaps most important, manage their own emotional ... Views: 848
One of the most important elements of a successful investment experience is the investment policy statement. This is essentially a written investment plan that allows you (and your advisor, if you have one) to have a written implementation, management, and review program for managing your ... Views: 1536
In the modern age of financial practice, securities salespeople no longer call themselves brokers or registered representatives. They now go by names like financial consultant or investment specialist. Many advisors continue to charge commissions and work in a mainly transaction-based model, but ... Views: 742
If you are considering hiring a professional to help you with your investments and personal financial planning, you should come to the first meeting prepared with questions that will help you to evaluate if the advisor is right for you.
The questions below are intended to give you a good ... Views: 1452
Recent times have been difficult for investors. Some have made the situation worse by buying and selling at the wrong times. For most people, the normal emotional response to rising markets is to feel confident and positive. This can lead to the desire to increase risk tolerance and purchase ... Views: 858
It is human nature for investors to focus more on potential return than risk. This is especially true after a long period of market prosperity. The opposite is true after big declines, however. In bad times, investors often want to pull in and avoid risk. Neither of these extremes is healthy ... Views: 2156
Selling your house yourself can be intimidating if you're doing it the first time. Here's how to deal with unpleasant negotiators.
Unpleasant Negotiators
Sometimes you encounter someone who is not going to be happy unless he maneuvers you into accepting less than your home is worth or ... Views: 1102
Have you ever questioned yourself why Forex exchange market is still popular gaining new adherents? Will it collapse or prosper? In my opinion, popularity of online trading is only surging and it is explained by several reasons. One of them is lack of government regulations and legislations. ... Views: 1536
There are many people for them stock market trading all about selling and buying stocks. For them making money in stock market needs luck and nothing else and hence they prefer to stay away from the stock market. But the reality is far from this. Like any other investment stock market investment ... Views: 1285
An annuity is a contract that you purchase from an insurance company or other financial institution that guarantees a lifetime income stream. For a lump sum payment to the issuer of the annuity, you are can receive either a lump sum, a certain number of payments or any combination of payout ... Views: 2102
Annuities – which are basically investment packages with a life insurance policy included - are an investment option that in recent times has been witness to a lot of fraudulent activity. This activity is often targeted at senior citizens who are talked by sales agents or brokers into buying ... Views: 2216
If you're looking for a great way to protect your money and to earn a consistent return, then annuities are definitely a financial instrument that you should be interested in. Annuities are generally provided by life insurance companies. You can pay money to them, let it grow on a tax-deferred ... Views: 1912
A fixed annuity is a kind of financial instrument that is constructed to act as a source of income. Most usually, this kind of financial instrument is set up by people preparing for retirement.
Annuities in general refer to financial investments that are paid into and can later be accessed ... Views: 2120
An annuity can be a good retirement investment if you select the annuity correctly. Many times investors enter into this type of retirement planning unsure about the product they are purchasing. This can lead to great disappointment when retirement arrives. Understanding what an annuity is and ... Views: 1735
One of the greatest features of fixed annuities is that they are reasonably simple. So, in reality, fixed annuity rates are not nearly as complex as variable annuities are. However, be aware that your financial advisor most likely won’t inform you that they are less expensive, because he will ... Views: 1575
If your nonprofit is primarily funded with gifts from people as opposed to institutions or the government, you are in better shape than you may think because you're getting what I call "heartfelt" gifts. Institutionalized giving and government budgets must adhere to the predetermined guidelines ... Views: 1153
All my clients have one thing in common they want their retirement money safe but they don't want to "tie" it up - they want to enjoy it! So here's a way to "have your cake and eat it too".
Many of you are looking for a safe environment to put your money to avoid the volatility of the market ... Views: 2290
Health insurance firms could regain trust of policy owners and prospective clients. They could improve health insurance for individuals through several recommended ways.
Before the onset of the 21st century, providers of health insurance for individuals, through the national trade ... Views: 772
Despite what the current administration says and would like us to believe, the current financial crisis is not over; in fact it's probably just beginning. If you're paying attention, it doesn't take a genius to figure out that we're on the verge of a catastrophic collapse in the market that ... Views: 1966
Every body becomes an investor when market is bull, but in times of crisis, a more detailed analysis of investment options is required. The criteria for selection of securities should be the following three:
1. Clarity about future profits ( or visibility in benefits)
2. High ... Views: 1286
Foreign currency exchange trading can be very rewarding, but can also be very intimidating to a beginner. To get started, you will need to know some basics:
1. What is foreign currency exchange?
2. How is it traded?
3. What are the benefits?
4. What are the risks?
5. How ... Views: 714
Ok I know what you're thinking, "Why do I need life insurance." Most folks I meet with have a negative view of what was once a must have product in everyone's portfolio. Unfortunately most agents have sold this multi-functional product short and promoted it just for death benefit. But there's ... Views: 1179
When times are good and the cash is flowing steadily into your bank account, it is easy to apply for a 100% home loan which teeters on the brink of your affordability. This can become an inconsequential detail when your wife looks at you with those big brown eyes and says, "Oh honey, it's ... Views: 2573
Due to some recent high profile fraud cases within the hedge fund industry, many investors are seeking greater transparency from their investment managers. While many managers protect their proprietary trading programs, there is one sure fire way to address this issue.
Fund redemptions are ... Views: 1064
As the world works its way down the road to recovery, savvy investors are asking, “what’s the right type of investment for the new financial era?”
They understand that the economy is recovering, interest rates will increase and inflation is likely to return, due to our government borrowing ... Views: 2439
What most of us have been taught about risk is wrong, and it’s probably holding you back from obtaining real wealth.
Conventionally we’re taught that there’s a continuum of risk starting with low risk investments at one end of the spectrum to highly speculative, risky investments at the ... Views: 1761
Tough economic times might stop people from going out less often and it might put a stop on non essential purchases, like a first edition of Fitzgerald’s The Great Gatsby in dust jacket, for example, that could be yours for just $500,000.
What hard times won’t do though is stop gamblers from ... Views: 1878
One could rarely find and buy individual health plans that also cover dental care. There is useful information that people should know especially if they consider buying the policies separately.
It is estimated that about 45 million Americans currently do not own any dental insurance policy. ... Views: 914
Often professionals understand the need for planned giving, but meet resistance from board members who are unsure about how it works or its benefits to the organization. I cannot emphasize enough how important the support of your board members is to reaching your goals and achieving success. ... Views: 1184
If you want to use your money in a worthwhile venture or to increase revenue, you might as well go for property investment buying. There is an opportunity for you to make larger profits and you would not have to worry about facing big risks when you invest in real estate. There a lot of people ... Views: 614
You might be wondering what a CTA is. A CTA is a Portfolio Manager for derivative products such as foreign exchange, commodities or futures. If you're familiar with traditional mutual funds or hedge funds, you'll know the investment decisions are made by a specialist in stocks or bonds. ... Views: 2016
Now, more than ever, it is critical to have savings. There is no magic to intelligent personal saving. It's part common sense and part paying attention to the world around you.
At a minimum, you should have 6 months living expenses saved in a liquid account. You need to be able to get at ... Views: 2022
As I continue to consult with individuals who want to invest in investment real estate, I find that most novice investors and even some seasoned investors really don’t have specific objectives in mind when they are investing. Some want to just diversify their overall investment portfolio, others ... Views: 923
As everyone in the nonprofit community knows, there's your job and then there's everything else you do to make sure things get done and work like they should. The same is often true for consultants to nonprofits because some things can't be done well unless other things are also getting done. ... Views: 912
Could the U.S. and the rest of the world be headed for a dire financial crisis, one that could even dwarf the most recent economic downturn, which is considered to be the worst since the great depression?
Although we mostly avoid mundane predictions such as international policy /economic ... Views: 17819
To manage an effective risk management solution requires more than the calculation of VaR. Ultimately a successful risk management program requires the execution of an effective hedge. Technical analysis is a vital element of this strategy.
Recent market reversals brought about by the ... Views: 1501
Hedging, understanding the benefits of risk management in an enterprise wide solution. Risk management and hedging is a useful tool to reduce market place liability. Here are some tips on its uses.
Second of a two part article
Before discussing the use of hedging to off-set risk, we need ... Views: 1063
Today's Commodity Trading Advisor is no longer to be thought of only as a Portfolio Manager. His role has expanded considerably as investment products become more complex.
Commodity Trading Advisor, Genuine Trading Solutions, a registered CTA with the CFTC, says the responsibility today of ... Views: 1568
Stock market investment is one of the best ways to protect your hard earned money. During recession most of the companies struggled to keep their heads above water and the majority of the regular citizens started to protect their savings from irreparable loss. Most of the regular stock buyers ... Views: 1093
Imagine being able to profitably trade the market, both when it’s rising and falling – and without employing options or shorting. Imagine beating most investment managers and mutual funds. Imagine doing this by simply following the S&P 500 index.
This article will show you how I do this with ... Views: 2414
The process of foreclosure allows a lender to take ownership of a property that they gave a mortgage to. Most buyers do not have the cash to purchase a home on their own. That leaves a buyer to find a lender for a mortgage. There are many instances- job loss, reset interest rates, etc… that can ... Views: 962
As more and more people are interested in Foreigh Exchange Market many of them don’t understand if online financial trading can really be profitable. Let’s find it out if it is really possible to make money trading forex. If you search on the web you can find many positive and negative feedbacks ... Views: 9263
Buying a car is a big decision one must understand. Nowadays, a lot of people especially those who belong in the average life status couldn't able to afford to buy a certain car in cash. That's why, the need of a car finance loan is very evident in the market. There are lots of car finance ... Views: 2048
You have learned about stocks and how to invest in them. Now you need to learn about mutual funds and how to invest in them. A mutual fund pools money from hundred or even thousands of investors to construct a portfolio of stocks, bonds, real estate, or perhaps another security.
Here are a ... Views: 1133
Real Estate Investor's Insight:
Section 8 Housing: Landlord’s Gold, or Fool’s Gold?
Part Two of Two
Please read Part One of this article for the background
on the Section 8 Housing Program.
How does Section 8 work for the ... Views: 4811
Section 8 Housing: Landlord’s Gold, or Fool’s Gold for Real Estate Investors?
Part One of Two
Is the HUD Section 8 program a helpful tool - here are the answers about Section 8 from an experienced real estate investor.
This article does not refer to the Section 8 discharge that ... Views: 6507