Home Foreclosure Investing -Learn the Secrets - How I Created A Second Income Stream

The majority of investors seldom think of investing as the highly profitable investment that it is. Real estate foreclosure Why, because most people do not have the time to learn the secrets or do the leg work to find properties in foreclosure, or they are reluctant to invest trust ads foreclosure - foreclosure auctions or sales through lenders.
RealtyTrac (TM)  the leading online marketplace for foreclosure properties, released its May 2006 report - Colorado, Georgia, Texas second highest rates. U.S. Foreclosure Market Report shows 92 746 homes entering some stage of foreclosure in the month, a nationwide increase of less than 2 percent from April 2006, but still a 28 percent increase over May 2005. Report results indicate submit a national foreclosure rate of one foreclosure for every 1,247 U.S. households in the month. RealtyTrac publishes the largest and most comprehensive national database of pre-foreclosure and foreclosure properties, with more than 600,000 homes in more than 2,500 municipalities in the country, and is the foreclosure data provider Real Estate, Yahoo! Real Estate, AOL Real Estate and MSN Knight Ridder Online.
Currently there are 13,318 pre-foreclosure properties in Maricopa County reported by RealtyTrac (TM). Seventy-five percent of these homeowners will avoid foreclosure. How? They will be saved by Pre-foreclosure real estate investors, the investor who understands foreclosure investing secrets.
Experts predict foreclosures nationwide in the coming months will increase as the rate of home appreciation will slow. This shielding prediction is the same in every region of the country. The economy slows, people lose jobs and they can not keep up with mortgage payments. Tens of thousands are at the first phase of the loss of their houses - pre-shielding!
There are three phases of a foreclosure property to buy:
o Pre-foreclosure
o Foreclosure Auction
o Buying the lender after the foreclosure sale
o A fourth possibility is investment recovery of the loan from the homeowner. A licensed broker who specializes in foreclosure investments, developing relationships with investors, so when a house is in pre-foreclosure, the agent about these investors, if the loan can be restored. Restoration of the homeowner's loan usually requires several thousand dollars. However, investing to be a part of your portfolio if you know the secrets if you have a good relationship with foreclosure brokers have developed. This type of home foreclosure
Receiving a foreclosure notice does not mean that a homeowner automatically lose their home. Real estate appreciation has allowed to withdraw from their increased ability to pay what they owe or to sell the house and pay off the loan, avoiding a foreclosure battle. Many homeowners Those who have already refinanced or use a home equity loan and spent the money or there is not enough power, not a hedge against foreclosure. It is also predicted that many homeowners with ARM loans are faced with a difficult refinance photo.
The Mortgage Bankers Association of Arizona reports nearly 40 percent of all mortgages in metropolitan Phoenix are adjustable. Nationwide, about 30 percent of all mortgages are poor. Mortgage Bankers Association of Arizona reports, the number of subprime ARMs rose 50 percent in the state last year, making the situation potentially worse for Arizona housing market. The Subprime loans, which carry high interest rates, usually closed by borrowers with bad credit history.
"A record number of people lured by the low initial teaser rates are adjustable-rate mortgages that they put in vulnerable positions as rates rise achieved," said Jay Luber, a vice president with First Horizon Home Loans in Phoenix.
This creates a perfect opportunity for the informed real estate investor to come to the rescue of the distressed homeowner, while making a good return on their investment.
It's a win-win proposition. You, the real estate investor, can help save their credit and make a nice profit at the same time. The homeowner This is real estate investing. Called Pre-foreclosure good "Pre-foreclosure is where most return on investment can be made," said Don Myers, Realtor and Pre-foreclosure consultant at the Arizona Department of Foreclosure Assistance, Inc., a non-profit organization, Tempe.
If Pre-foreclosure real estate investing sounds like something you want to know more about it, here's a recommendation - "Contact a Pre-foreclosure real estate specialist Unless you know the secrets, it is difficult to find and move fast enough to enter. on the ground floor of the majority of the possibilities. Do not make the mistake of spending thousands on the programs offered by TV Pre-foreclosure pitchmen not make, "Myers said," pre-foreclosure specialist does all the leg work and offers you the opportunity to invest or pass. With a real estate foreclosure specialist you know you're on firm legal ground in any investment. "
A licensed real estate professional who specializes in foreclosure, is the secret of foreclosure investing success. Pre-foreclosure real estate professionals looking for new investors and that the new investor could.
Dorothy M. Neddermeyer, PhD, author, speaker and inspirational leader shares real estate investing. Secrets to her good Dr. Neddermeyer empowers people to life as an opportunity for personal / professional growth and spiritual awakening. Challenges

Safe Investment Practices

Where exactly are you looking for: Huge profits or marginal profit? You have money to invest, investing can make you rich. Wisely The most important things an investor should know are Risk, Duration, return and liquidity.
Risk
Most people want to get out of an investment best. With every kind of investment there is some risk and knowing a few risks would help you manage the risks. Better
o Inflation is to keep up with inflation your deposit. You can invest in a savings account or certificate of deposit or bonds. If inflation in the economy of your deposit is worth less than what you imagined it would be.
o Main risk is a loss in the first amount you invested. For example, you buy shares worth $ 5,000 and the stock value has dropped and you find no other option but to instead of selling further losses. You sell all shares at $ 2,500. The most important thing you lost is $ 2,500. If you retain the stock you can still lose if the stock value decreases.
o Interest rate risk is the fluctuation of the price of shares or bonds as a result of a fluctuation in the rates of interest.
o Market risk is the factors beyond the control of companies such as changes in the economy, government or trade market.
o Credit risk is if you invest in bonds and the company is unable to make interest. They return your entire principal. Then your investment has not yielded returns.
Expensive
Duration is as important a factor as risk when evaluating your investment. Duration is the time within which investors can regain their investment. Duration and risks determine the investment returns. Duration can be short term or long term and fixed or managed (by investor).
Yield
The Rate of Return (ROR) Return on investment (ROI) or simple return is the money earned or lost to the amount invested. This is a very popular metric used in financial analysis. It is simple and versatile. If an investment does not have a positive ROI then it is not worth the. If the investment has a greater ROI than these investments are a better option. General investment exceeding risks are those which promise greater ROI.
Liquidity
Any means that you own, be it property, stock, bonds etc. .. can be converted into cash. Money in the form of cash is the most liquid assets. In the event that you are not your bond into cash within the period then your asset is illiquid.
Bakke Slate for return
o About the property and inventories have been carried out long-term other assets. Real estate grants and real estate software can help you in real estate investment.
o Treasury bonds and other government-related bonds are the safest investment for the long-term benefits.
o A diversified portfolio is less risky than a portfolio concentrated in one or a few investments. The margin of profit you make counter also be weighed.
o If you do not opt ​​for managed investments rather than direct investments. You would have to pay for the management of your investment costs.
o A bank account is a safe place for cash in case you do not want to choose. a high investment risk Banking services may cost and so the choice of services may be the best deal you make.
o Credit unions, mutual funds, money market funds, brokerage cash management account and other options are also available.
o Invest in the sector of energy stocks. Oil, natural gas and associated imagery are skyrocketed in recent years.
o Hotel and travel is another popular target for investment opportunities.
o Mortgage companies are also in the struggle for investing your money. But make a wise choice as many a dubious honor of cheating customers acquired.
o Computer-related shares such as software, hardware and internet have seen winners and losers. Big cap stocks like eBay and Google are the best bet.
o Investing in gold, platinum or precious stones are also beneficial if it shows signs of increase when the currency falls.
Caution in certain investments is always recommended. Learn how the investment market works and then invest.
is your stop for financial planning. If you have money to investment than investment in real estate, etc. have ... is explained on this site. Investing and see value your money. This is followed much the goal.

Overseas Property Investors Beirut Could Be The Answer To Your Dreams

Once known as the party and culture of the Middle East, the Lebanese capital Beirut is now the place overseas property investors are looking for. The image etched in the minds of Europeans for example is that of a war-torn Beirut. It is now time to think again as the region now offers great prospects for real estate investors. Beirut low property prices combined with new foreign investment make it set for a good place to invest are.
Beirut the capital.
Beirut benefits from foreign investment and has undergone a major facelift. The new construction boom taking place and will help to return to its former glory. Beirut back This property boom is fueled by expatriates and foreign buyers who have already seen. The great potential in this region
Developers are on the way from Beirut way.
Damac Properties is investing in the region with a $ 150m real estate venture called La Residence is a 27-storey luxury tower designed by Ivana Trump. Other developers have also seen the potential and Beirut will be offering planned investments worldwide investor wide.
Tourism will increase. The World Travel and Tourism Council (WTTC) are optimistic about the future of tourism in Lebanon. Lebanon travel and tourism industry is expected to generate 4400000000 $ in revenue in 2006, rising to about $ 8.7 billion in 2016. The report expects the Lebanese travel and tourism industry activities grow by 6.2 percent in 2006 and 4.4 percent per year in real terms, between 2007 and 2016. It added that tourism is expected to increase from 10.9 percent of Lebanon's GDP, or $ 2.4 billion in 2006 to 14.4 percent, or $ 5.5 billion in 2016
Beirut education is impressive.
Beirut has major universities addressed to the major Arab countries seeking certain level of education. The most notable is the American University of Beirut (AUB), others are the Lebanese American University (ALU), Beirut Arab University, and the Lebanese Maronite University. Lebanon today is facing an unprecedented property boom in property prices soaring.

Nightlife Beirut is electric.
Beirut is a party town with bars and nightclubs open to the early hours. It has a social atmosphere of Ibiza and New York, people have an overwhelming thirst for life. Visitors are spoiled and wealth is in the air with some exclusive places to dine and dance.

Beirut stock exchange.
After eleven years of absence, the Beirut Stock Exchange returns with force. The exhibition is set to play an important role in attracting investments to Lebanon. The Beirut exchange has optimism in the future. Foreign interest in Lebanon was shown during meetings with the International Monetary Fund in Madrid.
Foreign investors. All real estate investors know that a part of your profit is made on the purchase price. Beirut low prices and seemingly healthy financial future make it a place that foreign investors need to investigate.
Copyright 2006 Nicholas Marr
Written by Nicholas Marr CEO of Marr International Ltd a UK based property marketing company that run one of Europe's fastest growing overseas property websites

Investing: How to Make Money on the Industrialization of Brazil, Russia, India and China

Expert Author Michael Dawson
In October 2003, Goldman Sacks published a research paper titled, "Dreaming with BRICs:. Road to 2050" The newspaper says that Brazil, Russia, India and China, commonly referred to as BRIC, can be counted among the world's most dominant economies by mid-century. By 2041, it would be China's gross domestic product (GDP) may be larger than the United States and larger than all others except Japan in 2016. The BRIC economies together maybe larger than the G6 (U.S., Japan, Britain, Germany, France and Italy) by 2039. Obviously there are implementation risks, but the trends are in place to make this happen.
This has huge implications. As these countries develop, just think how their people will benefit and the opportunities created. Demand for items that developed countries the middle class have come to expect will be enormous. Consumables such as iPods and DVD players will be important, but that will pale in comparison to the demand for homes with indoor plumbing, electricity, basic appliances and cars. At Goldman Sachs follow-up report released in 2004, states that between 2005 and 2015 more than 800 million people in these countries, the annual income of $ 3,000 will have crossed. In 2025, approximately 200 million people in these economies have an annual income above $ 15,000.
So, how can we benefit investors as the industrialization of the BRIC? I would like to propose two approaches: direct and indirect investments in emerging economies. Direct investing requires a thorough knowledge of companies in complex and diverse countries. This is far too time consuming for the average investor. A much simpler approach would be the purchase of single-country exchange traded funds (ETFs). I realize this is a mouthful. Let's start by defining exchange traded fund (ETF). It is a fund that tracks an index, but can be traded like a stock. Thus, it provides the diversification of a mutual fund, but is not bothered by trade cut-off times and early repayment charges. A single-country ETF is linked to the index of a country that the value and composition of the particular exhibition reflects. ETFs of the BRIC countries: Brazil (EWZ), Russia (TRF), India (IFN) and China (FXI). Their year-to-date performance (YTD), as of 2006/06/30, is respectively 17.2%, 27.4%, 16.3% and 24.6%. This provides an equally-weighted return of 21.8%. Beating the American Major indices yield of 4.0%, 1.8% and -1.5% (DOW, respectively, S & P 500 and NASDAQ).
The second approach, investing indirectly, is to invest in companies that materials and equipment that the BRIC countries will have to industrialize deliver. Imagine the number of highways, bridges, railways, factories and skyscrapers will be built. This can not without raw materials such as iron and carbon, which are combined to form steel. Modern society requires copper for electricity and information technology. Can you imagine how much cement and concrete will be consumed? The demand created for these and other raw materials will be phenomenal.
To leverage this approach I created a basket of 12 shares. It includes proven industry leaders that produce or supply to companies that extract base metals from the earth. Base metals are copper, aluminum, nickel (stainless steel and nickel-metal hydride batteries), zinc (anti-corrosive coating in galvanized steel) and Lead (lead-acid batteries). Companies that mine base metals are: diversified producers - BHP Billiton (BHP), Falconbridge (FAL), Rio Tinto (RTP), aluminum producer Alcan (AL), copper producers - Freeport-McMoRan (FCX), Southern Copper (PCU), Phelps Dodge (PD), nickel producer Inco (N), producer of iron ore - Companhia Vale Do Rio Doce (RIO). The suppliers of equipment, components and services to these companies will also benefit. So I have two heavy equipment manufacturers in the portfolio: Caterpillar (CAT) and Bucyrus International (BUCY). The latter company is not a base metal producer or supplier, but countless tons of cement and concrete are needed to build-out will be. Therefore I have included cement and concrete producer - Cemex (CX) in the basket. This indirect approach, using an equally weighted portfolio of the shares mentioned above, the direct approach better than 27.2% versus 21.8% year-to-date.
Finally, I would like to share some of the implementation details with you. The above portfolios are intended to be marketed as a basket which means that all must be bought and sold at the same time. Cherry-picking a few stocks can yield better results - diversification reduces business or country-specific risk. It is also important to choose the right agency to implement this strategy. I have found that FOLIOfn lends itself well to this strategy. It allows full automation of the process by supporting single-order basket trading as well as automatic dollar cost averaging. I recommend combining strategy with dollar cost averaging. For more information about the benefits of dollar cost averaging, see my article on "Double Digit Gains with Dollar Averaging." Commissions on a large basket can be priceless. FOLIOfn address with its various committees plans, including one that allows the window to 600 trades per month for $ 30. Consequently, costs are charges of $ 40K less than 1% per year using this plan. This puts fees basket trading line with the allowances of the ETF and much better than mutual funds.
There is a huge opportunity to invest in the BRIC thesis make money. What are you waiting for?
Reference:
"Dreaming with BRICs:. Road to 2050"
Michael Dawson, founder of Time and Money Group, recently said goodbye to a 20 year career in Engineering, Marketing and Sales for the exciting world of financial freedom. He started the group time and money to help you learn from his travels along the treacherous road to financial freedom. Others Visit the website of the company as he and sharing insights on the various roads, including investments, real estate and small business ownership .... others...

How To Evaluate a Good Stock Market Timing System

Regardless of what investment discipline you use, there are three main variables to measure your success - peak-to-valley drawdown, beta, reward / risk ratio. The first and most important factor is your measure of risk. Performance volatility is a measure of the variability of the return on an investment.
Specifically, it is the standard deviation of the sample set of monthly returns that were observed for investment during the interval are considered. A simple way to measure a good stock market timing system is the largest peak-to-valley drawdown that has or would have occurred in the past five years to calculate. This loss is your measure of risk.
Secondly, your beta on the overall market. Beta is an important variable that portfolio volatility or timing measurements compared to an index. Most of the beta are calculated on the basis of the S & P 500 index. A beta of one tells you that the system has the same volatility (ie risk) as the S & P 500 index. A beta of two tells you that the system has twice the volatility of the S & P 500 index.
By actively managing your money, your stock market timing system can reduce compared to the index you are trading and significantly improve your return over time. The beta of your portfolio
Thirdly, is your reward / risk ratio, which calculates your wages relative to your risk. To calculate this, you must know your average return. A rule of thumb is that your return should be at least twice as large as your risk. For example, if your largest peak-to-valley drawdown percentage over the past five years is 15%, the average yield at least 30%. In other words, your reward / risk ratio (30% / 15% = 2) are 2 or higher.
The best stock market timing system for you depends on your personality, specifically your tolerance for risk. You would think that a trend timing system that on average 80% is a great system, but what if I told you that system had a potential risk of 35%?
Most people can not tolerate a system of their investment capital more than 20%. Your tolerance and the ability to accept risk should help you a scholarship timing system that is suitable to identify you.
There are only a few systems available that really work. Most come and go like mayflies on a hot summer day. When evaluating a timing system, it is important to all of the above factors, plus the system has survived and thrived for at least a period of five years to consider. If they've made it through the last five to six years, you've probably found a good stock market timing system.
Copyright 2006 Equitrend, Inc.
John M. McClure is CEO and President of Equitrend Inc., a privately timing system that on average 42% profit per year. Mr. McClure is also a registered investment advisor and president of the National Association of Active Investment Managers.

Exchange Traded Funds: Why You Should Never Buy a Mutual Fund Again

Many investors still do not know about Exchange Traded Funds (or ETFs) and their advantages over traditional mutual funds. In this article we will examine Exchange Traded Funds, their history, performance and advantages and why you should never buy a mutual fund again.
ETF 101
Exchange Traded Funds can be most accurately described as the happy marriage of a stock with a mutual fund.
Like mutual funds, when an investor buys an ETF, he is buying a pool of securities at one time. For example, an ETF known as DIA, or "Diamonds." the investor a position in the Dow Jones Industrial Average participate.
Like a stock, an ETF can be purchased through a brokerage account, can be traded throughout the day, can be bought on margin and offers stock-like trading features such as limit orders, stop orders and short selling
ETFs come in many different flavors. They all follow the major indexes such as the Dow, S & P 500, Nasdaq 100, Russell 2000 and others. They are also available for investors who want to trade sectors like energy, technology, precious metals, financial, healthcare, emerging markets, interest rates and much more.
Introduced over 12 years ago, ETFs were initially mostly used by professional traders, but in recent years, have experienced rapid growth as a popular investment vehicle with public investors.
ETFs have gained such widespread acceptance and popularity because they provide significant advantages over mutual funds. The advantages of ETFs include:
- Continuous pricing throughout the day compared to the end of the day pricing for mutual funds
T possible with mutual funds | - Can it isn ¡sold short as a stock
- Can be purchased on margin
- Can use limit and stop orders, so you can leave or enter during the trading
- Have lower expenses than mutual funds and no management
Adding it all, it's easy to see why Exchange Traded Funds are growing at a rate of almost 50% per year since 1993.

Conclusion: It is easy to see why Exchange Traded Funds have steadily grown in popularity over the past twelve years. By combining the benefits of a mutual fund with the advantages of a stock, they really do offer investors an optimum combination of flexibility and the potential profit.
Of course, the big mutual fund companies do not like ETFs, but have to get used to their new popularity and many fund families ETFs of their own in recent years.
For investors, ETFs offer significant advantages of flexibility, cost and diversity, and therefore you should never buy a mutual fund again.
Copyright 2006 Equitrend, Inc.

Why Stock Market Timing

It is important that the impact that a bear market has to understand. On your capital The give and take of your investment capital is not equal. If you placed $ 100 in an investment and 50% fell to $ 50, which is the yield you would need to earn your original investment of $ 100 back? Needed
Once you lose money, it takes a much greater return on the resources you have to retake your original investment. In this case you would need a 100% gain on the remaining $ 50 to retake your original $ 100 investment.
Looking at historic bear markets in the United States, we can conclude that the time to recovery of a bear market between six months and twenty-five years! Declines in the value of the portfolio have ranged from 20% to 86.7%! Do not buy a good scenario and hold investors. This is why you financially better to never lose money in a year and only achieve half the efficiency of the market in the positive years would be off. Let us explain how this is possible. If you've never lost money in the market down years, you would only need to 38.33% of the profits to capture the positive market years a buy-and-hold position in the Nasdaq 100 index equal. More realistically, if you lose in the market were down years, half of the losses Nasdaq, you would only need to 63.37% of the Nasdaq gains capture the positive market years a buy-and-hold score level.
The point we make is that you do not need to match the performance of market or exceed the positive market years if you are in the market to protect your capital. Downward years Protecting your capital in the market has an exponential effect on the growth of your capital over time. Downward years
The purpose of a stock market timing strategy should be to reduce risks and maximize returns - with the main risk factor. All other things being equal, you want to invest in the least volatile, highest reward, lowest risk strategy possible.
You can read this today because you tired of giving all your equity or assets of your customer, get in a bear market. You may change. Plans even in the position where your pension is reduced to the point of having your pension
Whatever the reason, there are better ways to grow and protect your wealth than the buy and hold (buy and hope) myth promoted by Wall Street.
Copyright 2006 Equitrend, Inc.

Beating the S&P 500 with Stock Market Timing

Approximately 75% of the fund managers do not beat the S & P 500 year after year. How can a basket of 500 hundred stocks hit the majority of actively managed mutual funds? The people who manage these funds are, for the most part, brilliant people. They are highly trained and have access to the most advanced information and decision support systems in the world. Why is it that they are no better than the S & P 500?
A Quick Test:
Here is a very rough test of the performance of management: Let's compare the domestic equity mutual fund performance provided by Morningstar against the S & P 500 index for one, three, five and renewed ten years Looking back from April 30, 1995. The S & P 500 Index is a fair comparison for large domestic companies.

Our results:
- Of the 1097 funds Morningstar covered for a period of one year, 110 hit the S & P 500, while 987 fell short. The results ranged from 46.84% to -32.26%, while the S & P 500 reached a 17:44% yield.
- During the period of three years, the S & P 500 Index 10.54%, while the results in the funds ranged from 29.28% to -15.02% per year compounded. Of the total 609 funds, only 266 beat the S & P 500.
- Shift to the five-year period, of 470 funds, 204 beat the S & P 500. The results ranged from 27.35% to -8.51%, while the index racked to 12.62%.
- In ten years, only 56 of the 262 funds managed to beat the index, and the results ranged from 24.77% to -4.06% per year compounded at 14.78% for the S & P 500.
The fact that most funds do not beat the overall stock market is not surprising. Since the majority of the money invested in the stock market comes from mutual funds, it would be mathematically impossible for most all of these resources to carry out on the market.
The implicit promise kept to investors in actively managed mutual funds is that in exchange for higher fees (relative to index funds), actively managed fund will deliver superior performance. Market There are numerous barriers to the fulfillment of this promise implied.

Some problems are:
- The bigger a fund gets, the harder it is to deliver exceptional performance.
- Although the size of the fund is in conflict with the performance, fund managers have a strong motivation to grow as large as possible because the larger the fund gets, the more money the fund managers make the fund.
- Most skilled investment managers are hired by hedge funds, where their financial rewards are way bigger and there are few restrictions on investment techniques.
- By law mutual funds are supposed conservative, which in theory limits their potential losses. This conservative attitude is generally limited their ability to use. Arbitrage, options, or shorting stocks
Can you do better?
Because of the general inflexibility and limitations of most mutual funds, your investment capital is not well hedged against market fluctuations. In most cases, if you have the beta of the equity position held in actively managed mutual funds to a similar position in stocks compared to the S & P 500 index, your reward / risk ratio would be less rewarding than purchasing an identical position in shares to the S & P 500 index. So, the answer is, you can do better and hit the S & P 500 using an effective market timing system.
Copyright 2006 Equitrend, Inc.

Big Lie #1: Buy and Hold

So much of what you hear in the financial press these days is so wrong that one most financial television and print should consider only strictly for entertainment purposes. In this article we examine one of the great lies constantly cycled, the myth of Buy and Hold.
"Buy a stock or mutual fund and hold him through thick and thin for 30 years and you will make money," they say. "On an annual basis, the market goes up a little less than two thirds of the time. More than 5 years, it goes up to ¾ of the time. More than 30 years, you are virtually assured of a positive return."
They spout these statistics because the financial sector is entirely dependent on buy and hold. With a buy and strategy, your broker did not know how to manage money or to monitor your portfolio. All he has to do is sell you more products and collect its mission, or more recently, a large percentage of your portfolio as a "management fee. "
In a perfect world of ever rising stock prices, buying and holding would be a feasible plan, but the real world tells a different story, a sad story of the consequences of blindly following a buy and hold strategy.
Here are the tragic facts:
* $ 100,000 invested in the S & P 500 in January 2000, was worth $ 84,901.72 in January 2006.
* $ 100,000 invested in the Nasdaq 100 in January 2000, fell to $ 44,370.97 per January 2006.
* The average recession in the United States drops major U.S. equity indices 43%.
* The NASDAQ decline from March 2000 to October 2002, a 461% gain needed just to break even.
* From 16 major national stock exchanges, investors would be guaranteed only five positive annual return for each period of 20 years in the past century.
At best, buy and hold investors are treading water for the last six years, and by treading water, they are actually going backwards as the Consumer Price Index is already up by an average of 2.5% per year. But it would have looked like a really good deal. For many investors, treading water
They were the people who put their nest eggs implode viewed by as much as 80% between 2000 and 2002, while their brokers and mutual fund managers did nothing to save them. Retirements were destroyed, millions had to return to work, dreams were put on hold. Families suffered and still suffer in real and tangible ways.
And today many say that The Millennium bear market of 2000 can not happen again. But it has happened before and will happen again! Between 1972 and 1974, the Nasdaq fell 60% and remained down until April 1980. Eight years of negative returns.
Not to mention the Nikkei Index. Dow to the crash of 1987 or the fourteen year bear market Make even without a head drop, U.S. stock returns over the past five years are negative when factored for inflation.
The only sensible solution for an investor today is to protect, feed themselves and find a better way to his wealth and grow. There are a number of proven options available, but the absolute worst thing one can do is listen to the experts who tell you to "buy and hold."
Copyright 2006 Equitrend, Inc.

Who Are You And Where On Earth Should You Invest? By Nick Shinner

If you are wondering where you should invest, you should know what type of investor you are. Then you can match your profile against the myriad possibilities and create a clear path forward.
By the end of this article, I promise you to make a clear decision about the right way forward will be to make, you just need to choose between two different choices.
First step, decide how much of your money and / or equity that you want to invest in real estate (asset allocation, if you want to sound down the pub well!) Once you have an idea of ​​the amount of cash or assets you have to spend, there are some important questions you need to ask yourself (and answers!) Questions to step 2:
* Attitude to risk. Are you 'I really want to go all buy as much as possible everywhere, "or more" I just want a good solid investment which is a nice bonus will come retirement?
To borrow. * Attitude Do you hate the thought, or nurture other people's money to make richer
* I want something for fun but also as an investment?
* What is more important, capital growth or rental return?
* Do I have to pay for themselves, the house (s) or I can afford to support them?
* How close or far I am comfortable owning a property (flight)
* Which countries, if any, I have an interest in or knowledge of?
* What do I really want to achieve and in what time scale.
As well as the above, you should also consider how important rental guarantees are, if you want to try and get a discount and you are happy to buy 'off-plan'?
So, once you have created your own profile it's worth a summary of your goals and strategy in one or two sentences, creating your own Personal Plan, for example - "Using £ X, 000 I want a portfolio of five off-plan properties in high-risk, high-growth areas where rental income will cover the mortgage payments and at least one of the features that I can use for a holiday "
Now comes the fun part! Research, followed by more research! Step 3 is the range of countries where you could invest investigate. The main task is to continuously match the facts about the countries that against your own profile. There is a range of information that you should investigate, but essentially you are looking for a country that allows you to fulfill. Your summary statement This equates to four areas:
1.What are the fundamentals that are going to encourage the growth of capital
2.What is the level of risk associated with a particular country, and it is over-or undervalued?
3.Does the available financial resources, property prices, rental yield kk and make it financially viable?
4.How strong resale and rental market
Once you have a country in mind, step 4 is to tighten to specific regions or places, and find out down what kind of options are available to you then. If you are struggling, then either that country is not good for you, or your personal goals are unrealistic and should be reviewed.
If your strategy is to your limited cash your decision about which country is largely driven by the need to find more innovative finance deals stretch. As far as possible, then For example, your search to discover a 90% mortgage and 10% deposit to pay more than 2 years, or in Sofia (Bulgaria) where there is 100% financing available and guaranteed tenants of houses in a chance in South Cyprus suburbs. If your strategy focuses more on the rental income, then you may have a 10 year guaranteed rental income to discover, with a minimum of 10% net return, or 15% + returns in the United States in Thailand.
So, what are your two choices for the future (as promised)? Simply put, either you commit to following the path described in this article, or you know someone who can do it like for you. That's making now. Most important decision for you
The mistake that many people make is to follow a middle course, where they get themselves confused enough information but not enough to make as part of a clear strategy an informed decision. Consider the advice of a large (equity) investor. : When asked what the average investor should do, he replied "The average investor should be investing for him to do find a major investor, and then something he really likes to do do do"
Nick Shinner

Investment Sins That Will Wipe Out Your Capital

To be a successful investor, you should always treat your stock investments as a business venture.
1) You need to do before investing your own research.
Research the company you are planning to invest by:
a) analyzing the stock chart to determine that the stock is in a healthy uptrend
b) an analysis of financial statements to determine its profitability
c) and talk (such as customers, suppliers or employees) who knows the business with people.
2) You need to examine your investment strategies and test before trading. Your investment plan should include:
a) a target for profit taking.
b) and a cut loss price for a poor position to liquidate.
3) Not your stop loss orders when the market is trading near your cut loss levels canceled or changed.
If you're wrong, you lose and get out of position. Unfortunately, most investors tend to hold on to their losses and asked to take their profits.
4) Do not buy shares and leave them unattended.
You must love your portfolio to hold. On a regular basis
5) Do not over trade.
Know your risk appetite and trade with your extra money.
6) Do not listen to rumors the market.
Smart investors should look for large blocks of insider buying and selling.
7) Do not invest in a company that you do not understand.
If you are not sure, no trade. Guessing cost you money.
Michael Teo (MBA) is a professional trader and trainer. You can find more about his investment courses:

Don't Get Carried Away by HYIP Account Stats

"I took this hyip pay since my balance was going up!" is a quote from an email I received regarding an investment someone had made. His hard earned money was spent and after the first day of the promised profits was clear account statistics on the sites. Excited, he reinvested the full amount in another plan at the same location. Again, the results showed, as expected.
A good deal you might think, but what is it that this person actually to see when they log in to check their investment? The answer is simple, he showed exactly what he wanted to see, and the website owner knew. As tempting profit margins were concerned it would further strength of character not to get.
A few days later the problem, time to withdraw money. Certainly the process seemed to be well coordinated, the amounts, account information already confirmed and an e-mail stating that the withdrawal was submitted and that it probably would take to complete. To 12 hours This came and went without email the merchant provider and especially no transfer of funds in the account.
"Something must have gone wrong 'was the first thought, and after logging into the details, right enough the withdrawal was still listed as pending. This kind of thing is usually good automated, so it's a bit unusual. Never the less, benefit of the doubt and all that, he used the contact page and demand made on the form. Again professional in appearance and process. But there was no answer on his money, the profits now looks a bit more like a scam.
The next day brought no contact, so an attempt was made using the default e-mail format, Admin @ sitename .... No contact, after an exciting day or two, there still was not even with some lame excuse. Places HYIP monitor still quoted as paying, the web page is still active, the account balance and withdraw pending status unchanged.
Curious, he reinvested a further half his remaining balance. You've probably guessed it, but the profit of this investment also showed in his statistics. So the site is still promising and suggests that he has done, despite the fact that it was more than a week ago that more money withdrawal request by this time.
The message is clear. You can not rely on statistics to calculate profit, you can only rely on what amounts you are able to withdraw. You can not rely on the monitor places, they either quote the site balance sheet data, or are in cahoots with the site, or just do not care.
Take control of your investments, it's a bit more hassle, but before reinvesting, first try withdraw!

How to Avoid Certain Death In Trading

The futures and Forex markets emptying the accounts of thousands of merchants every year. For most entering trade, and this applies to more than 90%, commodities trading represents a very certain financial death.
The markets are ruthless and people go home empty-handed will send without a care.
The opportunities for making money are numerous, and the leverage attracts so many people to jump in head first, that the unreal. It's the ultimate, white collar get-rich-quick arena.
Unfortunately, like all other areas of the get-rich-quick opportunities are sold, the ratio of losers to winners is absolutely horrible.
First thing to do to prevent one of the carcasses left on the battlefield is to realize that trading is not for everyone. It is definitely not for the squeamish or faint of heart. You have resources and a spine of steel.
Second, realize that it does take knowledge. If it's so easy to make millions in the markets, do not you think it would be filled with people today? Like any other business endeavor, you should have an idea what you do have. No one is at the gates with a bag of money hand over to you, just because you came. You actually have to "earn" your fortune here.
Third, recognize that it takes skill. For every opportunity to make money in the market, money there are ten ways to lose it. There are several skills needed to spot the opportunities, but more importantly the skills valuable transactions to plan and then to carry them well to show a profit at the end of the month out.
You first need to know to develop some skills and then have to spend. The power to actually develop those skills and practice Too many people want to ignore this part and just go straight to collect the profits without any trouble.
Fourth is to expand your consciousness. Beyond the greed factor that you have to press that home run in every transaction, that let you retire this month. If you want this to be a profit center for years, treat it as such: long term. Get your focus on doing it right the first time through the preparation, learning and long-term focus.
The other aspect of consciousness is self-consciousness. Make sure you trade with a system that matches your emotional style. You would not be in an occupation that does not agree with your natural inclinations and desires would you? Want a job that requires 80% travel if you hated to travel to take? NO! The only way to trade for the long term success and enjoy the process is to be your own inclinations and desires, and the use of a strategy and the system that is in line with who you are as a person consciously.
Most importantly, you'd better trading with real risk. If you trade with "scared" money, which is money that you really can not afford to lose, then your days are numbered as a trader. You'd probably be better off to stop now and take home what's in your account.
If you earn with your trading capital money, you go to lose almost guaranteed. The emotional pressure on the market are huge, and adding the need to earn money will only obscure and distort your thinking to the point that you make poor trading decisions. In trade, the leverage you on the path to extinction of the first big mistake you make, if you're an emotional mess.
The best way to prevent the market to protect against all the pitfalls out there. Yourself first certain death If you are naive about trading, your biggest risk is your ignorance. The pitfalls are killers on the market, and you can not afford to fall prey to the pitfalls that await you.
Survival requires wisdom, prudence and proper guidance.
Copyright 2006 New Ireland Ventures, LLC
Brian McAboy is a Trader, engineer and author of The Subtle Trap of Trading:? Why So Many Smart People Don t Make Money Trading, and how you on the right path in less than two hours?. For more information,