Income Finance

Archive for January, 2012

If you are worried about losing your home, stressed about the lack of money, mortgage repayments or do not have enough money to live, then this article will help you to eliminate some of your worries.

Whether you’re single or have a circle of relatives, planning your financial future is something that you need to do. Your financial stability will create a huge effect on your lifestyle for the best. One of the many benefits of having the right financial structure is that it will help you to minimize on your tax bill leaving you with more money thus the potential to create more wealth for you.

Do you feel that as soon as you get some extra cash together to put towards your savings, what happens is that all these unexpected bills arrive? Now you start wondering why you are unable to save your money and what you should do to control this. Well let me tell you, that you are not alone, the fact is that there is information out there in this world that should be easily available to everyone to help with their money problem, but unfortunately it’s not. It should be provided to you when you visit your lender or by professionals you deal with from time to time, such as accountants, financial planners and so on. But the thing is that some of these professionals also do not have any idea of what would be the best way to help you and many of them are only interested in the fees and commission they receive.

People today don’t even get information easily about investment/mortgage loan structures. Money Elements have important information that can immediately help you eliminate any concerns such as losing your home and information about the right investment/mortgage structures that suits your need.

We, at Money Elements offer the best report called “The Money Elements Report” that could help people like you to get straight forward information about loan structures and how to reach financial freedom. This report will help you protect yourself and your families, to create wealth for you and also information on how to get started in the property and investment markets.

[

When people have their own business, they may need a loan to get started. That is why small business loans are useful in this case. With small business loans, you not only can receive these loans for the beginner companies, but can receive them for companies which want to expand as well. 

There are some services that will allow small business loans, and they will not show up on the owner’s credit. This is great because it will not stop you from future financing with your company. There are several benefits to applying and receiving small business loans:

*Most of them range from USD 10,000 to USD 1,000,000
*No upfront fee is charged
*There is always a simple application process that has a process time of forty eight to seventy two hours
*Low documentation programs available for quick approval
*Affordable terms and great rates
*Exceptional customer service

The expert loan consultants are great in helping those individuals that have never received small business loans before because it can be a very confusing and difficult process.

If you prepare all the documents that you will need, it can definitely speed the process along. Here are some tips as to what documents the loan consultants might need from you:

Documents To Gather

1. Business Profile: This is a document that describes what your business is including the number of employees you have, the annual sales, and the length of ownership and time since the business has been open.

2. Business Plan: This is particularly important for brand new businesses because they do not have the appropriate track record for the lenders to look at.

This plan should convey all the important facts about the business.

3. Loan Request: This document will state the amount of the small business loan you are trying to get approved for, how the loan will be used, and the type of loan you are requesting.

4. Collateral: A lot of services do not require this, but if they do, this document will describe what will be used to secure your small business loan. This is including but not limited to the equity in the business, available cash, and borrowed funds.

5. Business and Personal Financial Statements: Anyone who owns 20% or more of the business will need to have financial information provided. This includes owners, partners, stockholders, and officers. Most lenders are going to want to see current debts with balances, payment schedules, and any collateral that is used to secure the small business loan.

In some cases, you may be asked to provide balance sheets from the last three years, loss and profit statements, payables aging and accounts receivable, cash flow projections, etc. These may not be mandatory documents for most places, but there are those few that will require all of the documentation you can provide.

It is always a great idea to prepare these documents, but do not submit them with your loan application unless the loan consultant requests it. It is in your best interest not to give them any more information than they need because too much information can actually be overwhelming and may hinder the chances of your loan being approved.

[

Wedent Group Management 
 
No Limits …No limitations…What we know is the Destination…
 
Setting achievable targets, working hard to achieve them & then what comes is only the achievements…Believe us…There is no stop to the road of success they are only speed breakers to accelerate the speed…and Wedent Group has proven it.
 
With the motto of proving ourselves & Indian Capital be it the mental, man power or our culture Wedentgroup as we all know is growing fast & is spreading its branches in all the arenas globally. Taking together the progress of Aagni that has made a mark into the world of event Management & entertainment services providers & Indian Modeling agency that has not only linked the top models to the media houses but has also given a platform to many aspiring & deserving new models.
 
This kind of an all round progress seems to be unbelievable but wedentgroups achievements are a tangible proof that with the utmost dedication , talent & organizational skills even the impossible targets could be achieved on or before the deadlines. 
 
No Limit & No limitations we excel in every aspects & it’s not just a statement but a fact that has no virtual but tangible proofs.
 
Wedent Group is found by Mr Ratan Chakraborthy who has put in his entire experience that he has gathered all his life.

This is the result of a continuous hard work & perseverance that is now cultivating the results & pick up the speed of the jet on the ladder of success.
 
Each & every professional associated with Wedent Group is the most credible, intelligent & success oriented for whom success is not into the short term gains but in long term associations with our clients in order to achieve the most important asset in any business is Goodwill…i.e. Market reputation.
 
Wedentgroup began its journey from a modeling agency called Indian Modelling agency with an aim of providing a reliable platform to many aspiring models that well deserved but were not getting the right platform. It was not only limited to India but internally, mere a click to our website of Indian modeling agency one can witness our huge database which is not just a count but a quality oriented data where each & every model is a true talent.
 
After IMA we spreaded our wings to all the directions with an aim of total communication under the head Wedent Group that climbed the ladder of success with various steps from IMA to IMA Pictures that is into film productions and has many new ventures coming up that includes films & music albums. Her Last Line is latest venture that would be in cinema halls very soon. Also Wedent Entertainment Management that is a complete entertainment providing solution like music, television shows, events, concerts, musical nights etc  & so on…as under:
 
Wedent Media Management: Provides complete media services related to any media function or event from the promotions to the organization &the post function ratings etc. It may be celebrity management, advertising, promotions, publicity etc.
 
Wedent Infrastructure & Real Estate services: Real Estate is not just about buying a home rather has becoming the most profitable investment option considering the trends in the last 10 years. Wedentgroup is well connected enough to provide you properties all over the world along with India. Be it United States, United Kingdom, France, Canada & even in small towns or villages.  It could be the residential or the commercial properties or the farm lands we provide all.
 
Wedent Food Carving : It’s a niche into the Food sector that serves with designer food & vegetable dressings that shows like a gemstone & the main attraction of any event.  We decorate the dining halls or the food corners as more beautiful than flowers that people would never ever forget the party for its beautiful decorations in the dining hall as well.
 
Wedent Wedding Planner services : Wedding means a complete enjoy & feel the feel. After all it’s once in a life time function & one has to gather memories. But its often impossible because it’s a vast and scattered affair especially in an Indian wedding that even on the day of wedding family has run around for the arrangement hence they miss the feel that they always dreamt off. Ours services make it possible not only for the loose pockets but for the tight pockets too.
 
Wedent Recruiting & placement: Giving all the talents & skills a platform to displace themselves to find the right job & right money that they truly deserve without much of a trouble. Our consultants make it happen for you be it in any sector we have something for everyone.
 
Holiday & Travel Management: Time for a break from work & live your dreams let us make it happen. Our tour operators & travel agents would provide you with best options as per your pockets would plan journey from your home to back home without any hassles or tension.
 
Couture Sarees & Bridal wears fabric services:  This is a tribute to Indian Civilizations from WedenthGroup. We provide with the best of the designer as well as traditional patterns of sarees collected from the extreme corners of India. They all are a masterpiece.  Fashionable, classy yet traditional Also we provide you with saree draping services for carrying it well.  Dress materials are also attached.
 
Along with the above heads wedentgroup also provides many other services related to the other categories for the common people like:
Medical Billing, Knowledge Process Outsourcing : Biggest of the corporates, Political  parties, pressure  groups &  even common man of todays bases their decisions on the  well found database analyse. This helps into taking the well calculated decisions. This wing of wedentgroup provide you with this data.
 
Limo|Private Jet Renting Service:  If you require a  jet for distant journey or a limo for a special occasion like wedding or other functions we provide you with that on very economical prices
Cinemawood Advertising is advertising network that deals with the promotional activities of consumer products & services. From the advertising strategy development, copywriting, ad film making & running them on national television we do all.
Artist Management & Music Promotion: Any artist, known or routine talents for shows or films are available just a click away.
commercials, Print or Television.
Indian Math Tutorial Service tutorial services be it the online coaching or the tutor in person we have all available right in your city as per your convenience.
 Wedent Art Business Bharat Art Gallery provides you with the masterpieces our ancestors have left for us to make us feel proud of our heritage in form of antiques, fabrics, paintings etc.
Entertainment Shows & Concerts Management is managed by our vast network of event managers who provide with the complete services A To Z for any show or concert. From artists to training professionals, technicians, cameramen, singers, dancers, comedians, or media coverage.
Celebrity Endorsement & Celebrities Booker: For an opening ceremony, inaugurations, Film release, entertainment show, event or a brand endorsement we can get you any star available as required.

 Marriage Halls Booking, Banquet Management in your our town or city as per your budget & convenience.

Corporate Travel Deals. : We have special packages & deals for the corporate sector for their official or perk tour packages of their staff.
Product Launch, Roadshow Campaign with all the required facilities are available to carve a niche into the sector of brand promotions making immediate contact with the audience to leave a life long impact.
Matrimonial Brides Agency to help you find your Mr Right & manage the affair of the most important event of your life i.e. your wedding…Your Dream Day.
 
It’s not just a service providing a firm but a complete system to organize customer’s lives. From beginning to end, Sky to earth, water to fire, work to holiday just a click away. It’s a revolution into the services providing industry.
 
We still consider this a beginning there is lot more to achieve not only for us but for our customers.
 
Join with us…& feel the difference yourself. That what we mention are not just statements but each & every word is a commitment.
 
Associating with Wedentgroup is not a deal but a feel…an experience…& a journey towards a systematic & quality living. 

Wedent Group Management is a vast group that is consistent of multi talented individuals & highly professional associations.  Giving a new direction to the world of entertainment wedentgroup management is expanding its horizon to the limits of sky to the oceans. It is giving a new outlook to the term entertainment. Making our associates live like a king & getting value of their money as well as time is the sole motto of our team.
 
Right from film making, Events managements of any kind be it a beauty pageant, dance & musical concerts, fashion shows, opening ceremonies, holiday tour packages, film making, infrastructure, financial capital management Wedent group has entered all with its firm foot.
 
Fully equipped with manpower capital, knowledge, aware & intellectual team, talented co associated & a reputation in the market wedentgroup is rising higher & higher by every year.
 
Below is what we deal with
· Wedding Planning & Honeymoon Packages, Holiday Packages
Event Planners in Mumbai

Event Management Co India

Event Planners in India

Model Management Company in Mumbai

Event Organizer in India

Corporate Event Planner in Delhi

Wedding Planners in India

Executive Recruitment Agency in India

Wedding Planners in Delhi

Event Management Companies In Delhi

Wedding Planners in Jaipur

Event Management Companies

Jobs in Bangalore

Jobs in India

Jobs in Kolkata

Jobs in IT in India

Jobs in Mumbai

Jobs Sites in India

Online Jobs India

Placement Consultants India

Recruiting Agency in India

Wedding Planners

Corporate Event Organizer

Sarees

Not only this but wedentgroup is coming up with a lot more to serve you.
 
What differentiate us from others is we do not only do something with the commercial perspective but we also promote Indian Heritage & culture internationally with the help of our Indian as well as foreign delegates. We believe in real achievements i.e. those give us & our associates a true satisfaction with our services.
 
Right from coming up with the innovative entertainment themes to a perfect execution of ideas wedentgroup can do it just with a blink of eye.
Getting everything you desire on your desktop just a click away is our aim…
Be it anything, anywhere, anytime or anyhow…

“Wedent Group – In Imagination, there’s no limitation. “

[

Process of Financial Planning seems to be a little complex to most of the individuals and that’s why hiring a financial planner Sydney is a good option. Process of Financial Planning complexes because of the processes, investment options, governmental regulations, financial regulations and required amount of knowledge to devise a successful financial plan. Apart from this financial markets are most dynamic markets and to maximize over the returns there is a need of continuous vigilance and monitoring.

Financial Planning can be defined as a systematic plan to invest current and future assets to maximize over the return and to pay any future obligations and liability. In our day to day life even we plan our expenditures and often save a stipulated amount of our earnings in order to save money for future or to buy a particular asset like House or refrigerator.

In a much more professional way in order to maximize your financial assets which you have gain over a period of time you need to devise a much more effective and organized plan so that all the assets gained by you can be multiplied and can be used as earning assets instead of depreciating assets.

Financial Advisor is a person who have expertise in process of financial planning and monitoring. Financial Planning and Financial Monitoring are two different terms with close relation. For example any financial plan can’t be used for a long time as financial market is highly dynamic and changing while objective of financial monitoring is to keep a vigil eye over the financial markets and to make appropriate changes to the financial plan as per the requirements.

One more factor that is very important is risk taking ability of investor. Complete risk free investment is a hypothetical term and therefore risk is always present with return however bank deposits are considered to be risk free but as risk is quite low so the return. Investment options like stock market and commodities have very high return values but they have very high risk factors associated with.

Risk taking abilities depends on few factors like your future liabilities and obligations and it also depends on the amount of assets any one wishes to invest In a certain investment channel. Financial Planner have very high level of knowledge and can invest money where the risk is minimum and return is very high for example mutual funds are very good way to invest money in a high return yielding instrument while minimizing the risk of loss by investing into more then one ventures like real estate, stocks and commodities. In mutual funds your amount invested will be divided into many portions and will get invested in different types of investment ventures. Hiring any financial planner Sydney is very much required as they have all the knowledge and skilled required to invest your hard earned money into a right venture. While discussing your requirements with any financial planner Sydney be genuine and avoid any influence be clear about your objectives and the amount of return you are seeking.

[

Managing a busy family life “” looking after kids- , a demanding husband and a business comes pretty easily to women and as a result of this, small business loans for women are on the rise. Women are biologically programmed to be multi taskers of the best kind and this is being reflected by the growing number of small businesses owned by businesswomen.

Starting a small business for a woman is not easy and getting financing for it is even harder. One of the many sources of money is a small business loan, designed especially for women. In these loans, applicants must present a squeaky clean account of their character, accountability, efficiency, experience and credit, not their assets. In fact, special loans are available for women who have young children and want to create a small business, based at home.

Why Women Need Business Loans

The past decade has more than proved that home based businesses are on the rise and this is very much due to the fact that enterprising mothers have decided to venture into the world of business. Of course, the business environment is as far as it gets from the traditional work environment, but the similarities with other businesses can be seen when it comes to inventory, marketing and the purchase aspect of the business Small business loans for women are often crucial for businesses like this.

Women often tend to buy over an existing business and this, of course requires money. Small business loans for women are absolutely essential in this field. The great part about buying an existing business is that the women entrepreneurs don”t really have to live on edge because of all the risks involved in starting up a business, rather they have to analyze the business in terms of profitability, potential and market position as well. Many a time, they need to restore a run-down business to its former glory, which is where small business loans for women come in.

An interesting fact about women is that they generally tend to run a business which is a part of the service industry, retail or trade industries. In fact, statistics from the U.S. Census Bureau specify that seventy percent of women entrepreneurs operate in services and retail. The very nature of services and retail business is different and one can easily figure out why small business loans for women are on the rise. For example, inventory expenses are pretty big and they are essential too, for a retail business. These loans offer women the option of successfully setting up and running a business in these fields.

Irrespective of whether a woman decides to start a home based business or a business which is more along the lines of what is conventionally thought to be “right”, small business loans for women are of a great help. This gives women a way of starting their business, with enough capital and facilities; they are also purchase the expertise of adequately qualified employees and who doesn”t want that? So be proud that you”re a woman and get a small business loan for women today!

[

As for those expecting to avoid traditional plans, some new and weird investment strategies like renting cows, funding treasure hunts, betting on death, and collecting wine, may become their preferred choice.

Collecting Wine

A client insists financial advisor Steve Juetten to add the value of over 4,000 bottles of wine in his cellar to his annual personal balance sheet because they are not just normal vintage wines and their price is not cheap. For example, a Lafite-Rothschild 2008 vintage is at 1,500 pounds upon its release, but its price doubles within two weeks.

Let image how much money the client own if buying the bottles

Renting Cows

Some investors, including Gestel company of France, pay more attention to the cows than even blue-chip stocks because the business offers annual returns of 5% despite of the macroeconomic climate. The investors have provided ways to buy and rent cows as an investment.

Renting cows is really an effective way to avoid traditional plans

Super Bowl and Stock Market Predictor

According to an academic study by Lee professor George Kester, the stock market will be up on the year whenever an original NFL team wins the Super Bowl, but it will be down if an original AFL wins the Super Bowl.

As of 2010, the overall prediction accuracy was 77.3%, based on Kester’s research

Funding Treasure Hunts

Though finding the gold and other treasures in sunken ships may bring much profit, few people have enough funds to launch their own expeditions. However, with a brokerage account, anyone can buy shares of publicly-traded company Odyssey Marine, which earns profits by salvaging goods from shipwrecks.

Since the start of 2010, shares of the company have doubled

Betting on Death

People, who expect to receive cash in early on their own life insurance policy, can sell the rights to the death benefit to an outside party. If the seller dies before the estimated life expectancy, the buyer may receive a higher return, and if the seller lives longer, the return is lower.

The investment strategy seems to be very weird and bearish

Investing in Virtual Currency

Have you ever thought of betting on digital currency? The uncommon investment strategy is very profitable but dangerous. For instance, the latest denomination Bitcoin created in 2009 has been five-fold in dollar terms since early May, while a previous virtual currency offered by Flooz.com went bust, making the credits worthless.

Investors have to consider carefully before they invest on virtual currencies

Betting Against Congress

If people have a cynical view of politicians, the Congressional Effect Fund (CEFFX) can become their favorable choice. The fund invests in the S&P 500 on days as Congress is out of session and invests in interest-bearing domestic securities or to otherwise be out of the stock market as Congress is in session.

The fund is up just 6% since the beginning of 2010, while the S&P is up 22%

Definition of Bitcoin

Related links:

America’s Small Businesses: Most Shocking Facts

Celebrity Million-Dollar Business Empires

Warren Buffett’s Most Profitable Investments

[

If one has been losing sleep over how to obtain the much needed business loan, with the poor credit score, be rest assured the solution to rescue him or her has just arrived. In case the credit score is very low then there are several options to tap, other than the conventional business loans. Before giving up hope, the issue of the credit score needs to be thought over once again. It is not prudent to be conclusive out of self judgment. Approach a bank or loan agency. They might just seem willing to sanction a loan in case your business plan is fool proof. The credit scores might just be treated with a little bit of leniency.

The relatives or close friends may come to help out in case the business owner manages to convince them. Make sure that you are clear with them about your bad credit score. Sometimes private lenders loan out money as bad credit business loan, in return of a high share in the profits garnered by the venture being established. However, the risks involved are high. The investors may even ask for a collateral deposit having equity vested in it. A bad credit loan may be obtained on the basis of the requirement or the demand for the loan. Unsecured bad credit loans are heavy on the borrower while secured counterparts are, of course lighter.

Other than banks, debt companies are into the provision of bad credit business loans. The repayment capacity of the business owner and the possibility of the business plan to bring in fruits, are the two main aspects gauged for sanctioning a bad credit business loan. Make sure that the loan does not bring in further debt problems. A loan is taken to steer clear of debts; not to rake in further debt complications.

The most important trick to land up a bad credit business loan is to create two separate sheets of credit history or score. The business credit score and the personal credit score must, in no way, are intertwined. In case the business score cannot be improved, then concentrate on making the personal credit score better. Clear off credit card dues; make timely payments for personal loans or other installments and do all that is possible for creating a high personal credit score. Once this job is done, the credit score of the personal and the business groups might just add up to something fit to get a loan sanction.

[

The current market bias is positive, but there’s some concern about the chart. The S&P 500 breached its 50-day moving average (MA) on Monday before rallying, but has failed to mount any sustainable rebound, currently stuck around its 50-day MA. My concern is that failure to edge higher could drive the index back lower and continue the sideways channel in existence since February.

The absence of any strong catalyst could leave the broader market comatose for the summer months.

On the S&P 500, there is key support around 1,250. A break below would be bearish and see a move below 1,200. I expect the support to hold. On the upper end, there is strict resistance around 1,362. A strong break above could drive additional gains towards 1,400.

This means that stocks may waver as we continue into the traditionally slower summer trading months.

Without leadership, markets may stall. Should this happen, my investment advice would be to write some covered call options to generate some premium income and reduce the average cost base of your positions. But be careful, as a market surge could take out your position at the call strike price. Make sure you are comfortable with the upper strike price of your covered call. Make sure it is just above the key resistance of the stock.

I have long favored the use of covered call options on long positions should the market trade flat. This may be the case now.

Why let your positions sit idle? As I said, you can write some covered calls to generate some premium income and help reduce your average cost base. It is simple to initiate. Just make sure you do not write a naked call, otherwise you’d be exposed to unnecessary risk.

Let’s take a look at Cisco Systems, Inc. (NASDAQ/CSCO) and assume you own 100 shares at a cost base of $ 14.00 per share. You are already up $ 1.60 a share based on the current market price of $ 15.60 as of July 14.

Now, say you continue to be long-term positive on Cisco, but at the same time feel the stock may pause or move lower over the next quarter.

There are several strategies at your disposal. You can sit on the position and wait for the stock to rise. The problem is that this is an inefficient use of capital, in my view.

So, why not make your capital work for you?

It’s much easier than you think and represents a win-win situation. The process involves writing covered calls on your holding of 100 shares of Cisco. For every board lot (100 shares) of Cisco, for example, one call option may be written.

Covered call writing is a straightforward, low-risk generator of premium income that also guarantees a selling price for the stock. Don’t write a covered call if you do not wish to lose the stock due to a possible exercise from the call holder.

So, in case stocks stall, you can make some money by writing some covered calls.

Retire on This One Hot Stock!

This stock is up 232% since we first picked it. Our expert analysts say it will go up another 100% in the next 12 months! Our top 19 stock picks were up an average of 173.57% in 2010 (not a misprint). See where we are making money in 2011 and get our combined 100 years of investing experience working for you starting today.

Get your FREE report on our top stock pick immediately here.

http://www.profitconfidential.com/pcabs/

[

Options are always a nice thing to have, regardless of your situation. In real estate, the option contract can be used for a number of different scenarios, I am going to use this space to focus on just one: let’s call them the “tweener sellers.”

I consider the tweener type of seller to be somewhere between wholesale and retail, but leaning a bit more towards the retail side. The seller lacks the personal/financial distress that drives the immediate resolution necessity of a direct purchase, while they may also find themselves reluctant to list the property with an agent – or may have already done so without any luck.

This was the type of scenario that left me scratching my head in the past, but today, if I am unable to purchase directly or list the property I simply reach into my creative solutions bag and introduce the option agreement to the seller.

What is an option? The option contract is simply an agreement you have in place with the seller that specifies the terms in which you may exercise your option to purchase the property.

On the other hand, you may also choose not to exercise your option to purchase the property and the contract will expire.

How does it work? As with any contract, you can make the terms of the agreement as complex or as simple as you would like; it all depends on the situation. My philosophy with the option contract is to keep the agreement as simple and straight forward as possible, in fact, the agreement I use is only one page.

Let’s take a look at the typical terms of the Option contract I like to use:

The Length: I don’t look to “tie up” the property for an extended period of time – I like 2-4 weeks.

If you are getting the seller’s best off-MLS price, do you really need more than a month?

The Price: This needs to be realistic. At the very least, the price you need to obtain from the seller needs to be market price, minus agent commission, “and then some.” This last part – ‘and then some”- is an indicator of your negotiation skills and the seller’s motivation to sell, the lower the price, the better your chances of finding a buyer. It doesn’t make any sense to option the property if the seller cannot do better than market value. If that happens to be the case, then list the property or learn the mantra every successful real estate investor uses: NEXT…..

Seller’s Rights: Under this agreement, the seller can sell the property on their own and cancel or extend the agreement anytime they like. If the contract period runs out and the seller does want to extend, I look for a significant drop in price.

Marketing: My target for this type of property is a retail buyer! I do not run this property by my investor list and I would suggest you don’t either if you want any of your investors to continue to open your email. Given the high percentage (87%+) of home buyers that use the internet to search for property, I post the listing to a number of different high traffic websites with a compelling headline/picture that will draw the attention of a ready, willing, and able buyer (read: pre-approved) seeking to find a good bargain. I then use blogs, video, and social networking sites to drive traffic to the property listing.

And that is all I do: no newspaper/radio/television ads, signs, phone calls, voice, or email blasts. In my experience listing REO’s, the lenders certainly got one thing right, price the property correctly and it will sell. If you insist on over-pricing the property, you will continue to own that property regardless of where you choose to advertise. Put a well-priced property in front of a large pool of willing buyers and you have yourself a great wealth building formula.

When I field calls on the property, I give the potential buyer a pretty good grilling. Why? Because I don’t want to drop what I am doing and interrupt the seller’s life in order to meet a tire kicker at the property!! Naturally, you’ll need to do this a few times – as I have – in order to appreciate how vigilant you must be about pre-screening your buyers.

Once the property is seen and the buyer moves forward with the seller to the contract stage, I get paid an assignment fee: I am assigning the terms of my option contract I have with the seller to the end buyer. Given the amount of work I do in this type of transaction (next to none), the fee isn’t outrageous. I look to gather all of my fee up front from the end buyer and exit the transaction as soon as I can: my piece is done, buyer and seller have been brought together. There are times when this isn’t the case – complications, larger numbers, difficult buyers/sellers…If necessary, I gather as much of my fee up front, make it non-refundable after home inspection, and collect the remainder at closing.

Oh yeah, so what happens if you have yourself a pre-approved buyer, you meet them at the property, and it turns out they don’t want the property? Hmmm, I wonder if I can find them another property that they may like….if you’re not an agent, do you think any one on your investor’s list might be interested in showing your buyer some of their properties?

This is another example of a win/win/win transaction: the seller gets a good price in a timely manner, the buyer gets a property at a bargain price, and I get paid an assignment fee for bringing the two parties together.

[

Balanced investment strategy is perhaps the most followed and successful investment strategy for portfolio management. Its primary aim is to keep a balance between investment risk and return. A balanced investment strategy combines the merit of aggressive and defensive investing strategies.

Aggressive investment strategy involves investing in high return high risk investments with the sole purpose of maximizing return from investments. It involves allocating major portion of portfolio capital to invest in equities, equity based funds and highly volatile markets. Investors following aggressive investment strategy often look for comparatively short-term profiting and wish to invest more in growth stocks, and small caps and mid cap stocks. Advantages of aggressive investing include quick profit, high return over investment and no need of large portfolio capital. It can work really well for experienced investors and investors who are very strict in their money management. Disadvantages include high risk, high volatility in total portfolio value and no surety of profit. It less supports novice investors and investor looking for monthly earnings or living costs.

Defensive investment strategy is just opposite of aggressive investment; it’s purpose is to preserve the capital and ensure some return from investments. It involves investing in low profit low risk investments like bonds, money market funds, treasury notes, and equities with minimum price volatility and good dividends. Defensive investors look for long-term profits and/or monthly earnings. Advantages of defensive investment strategy include reduced risk, predictable income, better investment planning and diversification of portfolio. This strategy mainly suits beginners. Disadvantages include low return from investments and requirement of high capital investments.

In balanced investment strategy, the investor tries to keep a balance between his aggressive and defensive behaviors. It involves balancing of both return and risk by diversifying investments in both high return high risk and low return low risk investments. Balanced investors often follow a portfolio capital allocation rule telling how much to invest in equities and bonds and how much to invest in treasury notes, precious metals and funds. Usually one portion of portfolio is actively managed and other portion is left to grow automatically. Balanced investment strategy can be slightly aggressive or slightly defensive with respect to investments made.

The greatest advantage of balanced investment strategy is the diversification of portfolio and hedging against high total portfolio value volatility. It is good for investors looking for medium-term (3 to 5 years) profits. Other advantages include flexibility in portfolio management, better results with better capital investments, (almost) predictable income and manageable portfolio risk. Balanced investment strategy support both beginners and experienced investors and can be an option for monthly earnings for living.

If this method of investing interests you, work with your Walter Parker Group financial advisor to learn more about how SRI options can work in conjunction with your overall investment strategy. There are a number of mutual funds to choose from that can be incorporated into an existing or proposed asset allocation strategy.

Walter Parker Group Summary

Buying what you know is certainly relevant, practical investing advice. However, only buying what you know introduces risk to your portfolio: Many of the biggest returns will be made from companies you have never heard of and do NOT understand. Investors may be wise to invest in companies that they can learn about instead of sticking only with the tried and true of what they supposedly “know.”

Exploring alternative approaches such as learning basic technical analysis and following recent IPOs will help broaden investors’ horizons. by Stephan Abraham

Walter Parker Group is a specialty merger and acquisitions advisory firm providing unmatched expertise to companies seeking guidance in confidential merger and acquisition transactions, business valuations, financing, asset divestitures, joint ventures and equity investments. Our professionals have extensive operational experience, in a variety of industries, in the execution of mergers, acquisitions, joint ventures and transaction advisory to private and publicly held companies.

[