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How To Raise Finance For Your Property Investment

Raising Finance
There are many ways of investing in property, even if you don't have any money. Lease options and Rent to Rent are two very popular strategies. You can create a lot of cash flow by packaging and sourcing deals for other investors for a fee. However, it doesn't mean that if you don't have money, you can't invest in multi-million pound projects such as developments, commercial conversions or normal BTL properties worth a lot of money.
There are people out there who are waiting with their cash to invest in your deals instead of having their money in their bank where they're unlikely to get much return. Money loses value every single day and after paying taxes, they may just break even or make a loss. That is why they look for new opportunities. Some of those people are cash rich and time poor, meaning they don't have the time to find deals. These investors are looking for people like you to find and negotiate deals so they can finance it and share a profit with you. You need to start hanging around with these sorts of people; tell them what you do and build a relationship with them at the networking events, exchange business cards and after the event follow up with everyone the next day via email. You can say things like: "Hi Mr Smith, it was a pleasure to meet you at the property networking event yesterday. It would be great to meet up with you to discuss further business opportunities. Please let me know when you'd be free to meet up." Or you can say things like "There is no free lunch, but there is when I am in town." It all depends on who you deal with. This is just a simple example. If you are good at writing emails you can develop it, but try to keep it short and to the point. Remember: dress to impress; you can never get a second chance at a first impression. Who you hang around with is who you become and your network is your net worth. If you told us how much five of your friends made annually we could predict your salary.
We will name a few places and products where you can raise money for your property investments. Even if you have a lot of money and you start investing, you will eventually run out of money one day. That is why it's very important to raise finances and use other people's money instead of your own. All successful people do the same - they don't use their own money.
Joint Venture (JV)
This is a very good way of building your property portfolio quickly with minimal risk and no capital required. JV partners could be people who you meet at networking events. Some have a lot of time and will bring you good deals, whereas others are very busy but have a lot of cash to invest. If you are working with private investors they will have business experience that can help you. This will be very beneficial when analysing deals, legal issues, profit and loss etc. It is much easier and quicker to build a property business with partners than by yourself. Before entering in any JV agreement, make sure you do your due diligence on the person you are dealing with and consult with your solicitor. JVing with other people has positives and negatives so you need to analyse it before you enter such an agreement.
For a joint venture to work, you need to choose the right partners; each partner needs to bring something different to the partnership. It's important to have clear documents that outline how the partnership will work so you know who is responsible for what. You need to be honest and open with each other.
I (Damian) experienced bad partnerships many times and lost a lot of money in business but it wasn't their fault - it was mine. You need to take responsibility for yourself. If I had done enough due diligence on the people I was partnering with I would never have gone ahead with the deal. But I am happy that it happened as it was a good lesson and I will never make the same mistake again. It takes time to find good partners and you might be lucky and find a good one in the first place. Remember there is a golden rule in business: trust but verify! I have done many good deals with my current business partners and it would never have happened if I didn't go to networking events. Shane and I travelled all the way from London to Florida just to network and meet new people who we can do business with. That is called sacrifice; we do whatever it takes. Do today what others don't, to have a tomorrow that others won't.
You can also JV with your friends and family; you provide the deal and knowledge whilst they bring the money required. Once the work is done, you share the profit 50/50. There are many different ways of structuring JV deals. For example, there might be people who are not interested in monthly income but investing money for capital appreciation. So instead of sharing the profit 50/50, you take the cash flow every month and they take the equity. The amount the house appreciates in value will benefit your JV partner, but make sure you have an exit strategy in place so you don't have situations where they want to sell the property but you want to keep it.
Remember that 50% of the deal financed by a JV partner is better than 100% of nothing.
Crowd Funding
Crowd funding is getting more and more popular. There are a lot people with a good business plan and models but with limited finances. Raising money from banks is difficult and bridging is expensive. Many investors look for opportunities where they invest their money for a share in a company or project in return. It is very common in this day and age to start big developing projects where there are few investors that fund the project together to build apartments, and once it is sold they share a profit equivalent to the proportion of the money invested. In some crowd funding projects, anyone can invest money and get, for example, a 10% return on their investment. Quite often there are hundreds of people investing in one project. This is an extremely powerful strategy and it's now even used to raise money for start-up businesses and movies.
Credit Cards, Loans and Overdrafts
When we started our property journey we had no money and a lot of debt. Our favourite source of investment at the time was credit cards and overdrafts as we didn't know many people who we could raise the money from. Most of our credit cards were maxed out, so we had to increase our credit limits. Our first property investments came from none of our own money! When you have no money you must start thinking outside the box as you have little choice. These tips came from our mentors, they showed us how to do it and what to say when talking to the banks as this is very important. If you tell your bank that you need money to invest in property then you can forget about them agreeing.
From being broke, we both achieved financial freedom in just one year of investing in property. It all came from knowledge that we acquired from our mentors, books and creativity, so we managed to crush the myth that you need money in order to make money! If you want to master the property game, you need to have the knowledge to be creative. That is how winning is done. Most of the multi-millionaires and billionaires are self-made; they started from zero or debt, so anything is possible. You just have to believe it, set up a plan on what you want to achieve and how you are going to get there; for your dreams to come true you first have to wake up! You can have anything you want in life, you just have to be hungry and believe that you can have it.
Sylvester Stallone (Rocky Balboa) is a great example of a self-made millionaire. He started from humble beginnings - he was evicted from his apartment and was homeless for a while. In March 1975 Stallone saw Muhammad Ali fighting against Chuck Wepner. After that fight, he went home and started writing a script, taking inspiration from both the fight and the autobiography of Rocky Graziano to start writing Rocky Balboa. Stallone attempted to sell his script to multiple studios with the intention of playing the main role in the movie. Although receiving enormous amounts of rejections, which went on for several months, he never gave up. He was finally offered $350,000 just for the rights to the script without him playing in the movie. He refused to sell it unless he could play the main character, so after a substantial budget cut to compromise the producers agreed to have him as a star, and the rest is history. He could have just taken the $350,000 which for him at that time was a lot of money, but if he did he wouldn't be where he is today. That shows determination. There was a time in his life where he had to sell his dog for $50 because he didn't have any money to feed him; after his success with the Rocky Balboa script, he bought his dog back for $15,000.
Angel Investors
There are a lot of places to go where angel investors spend their time. All you need to do is search on the internet for the closest one to your area. Millionaires and billionaires come to these places and look for people with great ideas for a new business where they can invest their money for a share in the company in return. More importantly, not only will they invest, but they will also give you all the support you need, which is priceless. They usually have their own power team that has expert knowledge in marketing, branding and selling. Of course, you must know everything about the business and have a great pitch that will attract the investors to persuade them to invest in your company or project.
You need to make sure you know your numbers; know everything about your competition, if there is any, and have a great unique selling proposition (USP). Having a mentor that has already achieved what you want to achieve is precious! I (Damian) have invested and started many companies before property investing. I invested all the money I saved from my part-time jobs and I lost it as well as getting myself into debt. The main reason I failed in both businesses was because I didn't know what I was doing. I had no guidance or a mentor to tell me how it needs to be done, what needs to be changed and what it is I was doing wrong.
When I started property investing, I had a mentor from the beginning and that is why I succeeded and I have done it in a very short space of time. I knew exactly where I was going and I knew that I had the support if I needed it. Every successful person has a mentor; imagine a footballer in the English Premier League or an athlete without a coach. Do you think Usain Bolt, the fastest runner on the earth, would be where he is today without a coach? We have paid a lot of money for mentoring and coaching, but with angel investors you can receive investments and free mentoring for a share in your business.
Family and Friends
There are a lot of people such as friends and family that have money sitting in their bank accounts without getting much return on their savings. Believe it or not, but money goes down in value all the time; inflation kicks in and prices go up. What you could buy for £10 ten years ago you can't buy anymore. That is why it's very important to invest in assets that appreciate in value. If you get a good deal, you can ask your friends if they would like to get 10 % return on investment on their money. I am sure they will like the idea as in the bank it's unlikely they'll get more than 1%. How you give it back is flexible; once the property is refinanced or pay them interest each month. It all depends on the individual and your agreement. Once they get their money back after the first deal, this will prove you can be trusted and they are likely to lend you money again.
Sell Liabilities
What do we really mean by selling liabilities? A liability is something that takes money out of your pocket, e.g. if you have a car that is worth £10,000, it will go down in value every single year plus it will cost you money every single month. Car insurance needs to be paid, road tax, petrol, MOT test, car maintenance and repairs. If you sell the car for £10,000 and buy a property below market value, you can refinance the property after 6 months and buy a new car or you can get a new car on finance as you will have a passive income from the house you bought. Every single month the rental income will pay for your car without you physically working to pay for it, so instead of having just a car, now you have a property plus a car that is paid by the asset you have acquired. What would you prefer?
Bridging Loan
A bridging loan is a very good method if you need to borrow money for a property that you want to buy very quickly. It only takes a few days for the bridgers to accept your application and lend you the money; in some cases 24-48 hours. If you borrow for the first time and pay back successfully the next one will be much easier and quicker because they know that you are reliable.
Bridging loans are mainly used by investors buying houses at auctions where you have to complete the purchase almost immediately. You cannot do the same with a standard mortgage company. Bridging loans have very high interest, from 1-3% per month or more in some cases. You need to know your numbers and have an exit strategy in place as it's a very risky loan. If you have never taken out a bridging loan, make sure you consult with a financial advisor beforehand or somebody that has experience in bridging so they can make you aware of the potential problems that can arise.
Social Media Groups
There are a lot of property investing groups on social media that you can join for free. You can ask questions, gain free advice and find potential business partners. You can even sell and buy property deals, subject to how active you are in the forums.
Before buying anything, make sure you do your due diligence on the person that is offering the deal and on the property they are offering. We had many deals that came our way but when we did our due diligence we found out that many of these properties were on Rightmove and Gumtree, revealing that we were not being offered a discount or, in some cases, they were trying to charge us above market value!
Seminars and Networking Events
This is our favourite way of raising finance, as most of the deals we have done and money we've raised came from people we met at seminars and networking events. Some people we know say that we are lucky because we manage to sell a deal or get a deal financed that made us a lot of money. But guess what? If we were sitting at home watching TV, playing PlayStation or going to the pub with friends, we would never have met the sources and our business partners. It's all down to our hard work and the time we spent building relationships and our network. Your network is your net worth and it's not who you know but who knows you.
You first need to invest some money into the relationship before you start to do business with anyone. We invite potential business partners for dinner, for example. Is food free? No, it isn't! Is transport free? No, it isn't! You need to pay for eating quality food, for petrol or a train ticket. People who say you are lucky forget about all the sacrifices, costs and hard work. Business relationships are similar to dating. You shouldn't ask for sex on the first date; it's the same in business. You need to meet multiple times and build a relationship with a potential business partner before you do any business together.
Private Members Club
There are many different types of private members' clubs. If you are a fan of cars, you could look into a Ferrari or Lamborghini private members' club. You don't necessarily need to own one to be a member. People who can afford these kinds of cars are definitely the ones with money so it could be a huge benefit to hang around with them and build relationships that could add value to your business in the future.
There are also yacht clubs, gentleman's clubs, luxurious concierge services where you pay a monthly fee of anything between £50-£200. You get access to the best clubs in your city for free where you don't need to wait in a queue. Impressive restaurants and sold out VIP events from the world of music to theatre, film, sport and art. There are many different private members' clubs to choose from - it all depends on what you are looking for and what interests you. You can find more information about private members' clubs online.
High End Gyms
The gym is a perfect place to network with people. There are reasons for that. First of all, you will see the same people every single day or at least 3-4 times a week because if you want to keep healthy and fit you need to work out on a regular basis. When you meet someone every single day and you make eye contact with them they will remember your face, and eventually you will start talking to each other. You will share weights, benches and equipment together and if they like you, you might even come to the gym with them at the same time and work out together.
The main reason that we mentioned high end gyms and not just any gym is because this is where wealthy people go to exercise. Wealthy people won't go to any local gym as they like luxury and great customer service - everything they need is in one place from nutritional guidance, private medical care, spa treatments to DNA testing to determine what exercise suits them best. They also want to hang around with other people who are successful because who you hang around is who you become.
High end gyms have very expensive joining fees, which could be anything from £400-600 and a monthly fee of around £185-240. The most expensive one in London is in Knightsbridge, which costs as much as £2000 to join and £500 per month. There are a lot of gyms to choose from that are also very good and attract successful people and cost much less. David Lloyds or Virgin Active gym will cost you around £70-90 per month. High End gyms cost a lot but sometimes it is money well spent. If you can find someone that could finance your project of £500,000 to £1,000,000 or JV with you, isn't the £200 per month worth it? Some people spend £3 on a coffee every single day, £3 x 5 days= £15 per week! In one month, that's a cost of £60. What if you could save this money instead and put it towards the gym membership that will be much more beneficial and healthier than your daily coffee?
There are many more places where rich people spend their time. A charity ball is a good place to go as people spend a lot of money there bidding and raising funds to help the less fortunate.
There are very cheap and also very expensive ways of raising money. Everyone's situation is different. You might be able to pay the £200 for the gym membership or you might prefer to go to free seminars or networking events. If you keep working hard and you are out often meeting new people, you will build your network and you will find the people who you are looking for. It might take you slightly longer than the more costly route as it may attract wealthier people, but you will still make it as you might meet someone who knows somebody who has the money and would like to invest it or get a better return than the bank is giving. We had to choose the cheap route as we were in debt so didn't have the money to join expensive clubs. We are a living example that you can build a big network without spending £200 per month on gym membership. We met most of our business partners and investors at networking events and seminars, but we worked really hard to build those relationships.

Article Source: http://EzineArticles.com/9502081

The Seven Steps To Effective Money Management

Introduction
There are two reasons why effective money management is important.The first is that it will enable an individual to cut their bad debt and live within their means. The second is that it will start a cycle of saving that will allow a person to move proactively towards investing.
The seven steps for effective money management are as follows:

1. Master your inner thoughts and spoken words.
2. Create a spending plan.
3. Simplify your lifestyle.
4. Pay off your bad debt.
5. Create a balance sheet and income statement.
6. Write down financial goals.
7. Learn to invest.

Master your inner thoughts and spoken words
Your inner thoughts are the start of everything that you create. What you focus on expands. Negative, fear based thoughts will manifest themselves into reality if you allow them to grow in your mind. You must focus on the things that you want so that it expands and manifests in your life. Your words are also important as negative words such as "I can't afford it" or "I will never be rich" will send out the wrong message. The universe only responds to thoughts and words of abundance. From this moment forward stop yourself the second you think or say a negative word and immediately replace it with something positive. You must believe that you can be rich and live a life of abundance. If you have the mental capacity to read this article then it is your duty to get rich so that you can help those that are less fortunate than yourself.
Create a spending plan
A spending plan specifies exactly how you will spend and save your money. I prefer not to call it budgeting as this implies constraint and scarcity of choices. A spending plan on the other hand suggests mastery and control of your finances. It is vital to track every cent that you spend. The idea is to create a list of spending priorities that is aligned to what is most important to you. There is one thing that is non-negotiable. You may not spend more than your earnings and at least 10% of your income must be saved so that you can build capital for investment. You should have a short-term plan that covers the period of a month and a long-term plan that is for a year. This is because certain expenses like home improvements may need longer planning periods. Long term home improvements can also be managed by taking out a loan and paying a fixed monthly amount that fits in with your plan.
Simplify your lifestyle
You can save and live a life with lesser stress if you just simplify. An expensive car and dining out at popular restaurants is not a necessity. Don't drink coffee at Starbucks or spend money on fancy branded clothing. Once you are earning your desired working income then you can treat yourself to luxuries but if you are struggling to save then really think hard about your lifestyle and spending habits.
Pay off your bad debt
Credit card debt is bad if you pay just the minimum amount every month. If you have a large credit card bill then do your best to pay if off quickly.This is because the high interest will keep you in debt for many years to come and will result in you paying more than the original amount. Sometimes it is necessary to take out a loan to take care of an emergency or a home improvement project. This is not avoidable but get the best interest rate possible and pay more than the required monthly amount so that the loan is disposed off quickly.
Create a balance sheet and income statement
This might sound like a scary proposition and you may think that these financial reports are just for businesses. This is not true, every person needs these drawn up so that they know what their net worth is. A person may be earning a really good income but can still have a very low net worth. Net worth is the total of all your assets such as cash, investments, properties and cars minus your liabilities such as loans. A person can have many assets but may still be in big trouble if they can't pay back their liabilities. The ideal situation is to have assets that you own completely and liabilities that are not more than 40% of the value of your assets.
Financial Goals
If you have no financial goals then you have nothing to aim for. There is no point in saying you want to get rich. You have to specify the exact amount and the exact date you want it. What is the ideal working income that you want? Write down the exact amount then double it to take into account taxes. What is the exact amount of money that you wish to have in your bank account in five years time? What would you like your net worth to be in five years time? Write down all these figures and look at them everyday before you go to sleep and again when you awaken in the morning. This gives your subconscious mind something to aim for and manifest into your life.
Learn to invest
The interest your money earns in banks or financial institutions will never make you rich. It is important to earn more than 20% interest every year on your money. Financial institutions will never be able to do this for an individual. It is up to each person to learn the skills to invest in the stock market and residential property market. This is a long-term commitment which requires diligent study and application. You must read the books, attend the seminars and listen to a good mentor so that you can acquire the required knowledge. Once you have the knowledge then massive action and discipline is needed to execute the investment strategies. The work is hard but it will be worth it if you can retire early and not have to worry about whether you can afford the lifestyle you want.
Conclusion
The seven steps to effective money management starts with positive thoughts which leads to positive actions. These are not steps designed to reduce you to a life of scarcity but a life of choices and abundance. Choose your thoughts and words wisely, execute in alignment with your goals and you will be pleasantly surprised at the difference it will make to your net worth.

My name is John Singh and I am passionate about financial freedom and travel. Please look at my website: http://johnsingh.biz for more great articles and advice on how to reach the goal of financial freedom.

Article Source: http://EzineArticles.com/expert/John_Singh/2201534

Article Source: http://EzineArticles.com/9227885

Six Things You Should Do About Your Money

Money doesn't just happen. You work hard to earn it and get the best from it. But if you're not a good expense manager and too much of it slips through your fingers like dry sand, today is the day to think about things differently to change the rest of your life for the better.
1. Perk up your pension. The pension climate is changing so much that many financial advisers don't talk about pensions anymore; they talk about 'retirement income'. Do you know how much you'll have? With auto-enrolment putting people into company schemes up and down the UK, this is probably a good time to look into just what your pension pot will be worth to you when you get to retirement age. The government's Money Advice Service has a really useful online calculator allowing you to get an idea of how much you might have when you retire. If you've done the calculation and find there's not as much as you thought there might be, now's the time to pay more in. The sooner you start, the larger your pension pot will be. Talking to an independent financial adviser can be invaluable.
2. Keep saving. Living 'hand to mouth' with your money is fine - until something unexpected happens, like needing a new central heating boiler, a big bill on the car, or a sudden hike in season ticket prices for your commute. Putting a little bit away each month will cushion the blow when it comes (and it surely will eventually), but before then, you'll reach the point where you have sufficient funds for a holiday without spending it all. The equivalent of a month or two's salary is a good cushion to aim for.
3. Divide and conquer. If you're not a good money manager, and find you've overlooked a standing order the suddenly dips your bank account into the red, consider setting up a second bank account. Get paid into the first account. Add up all the monthly bills that go straight out from the bank, and leave enough to pay them all in that account. Include a little extra for the cushion we talked about. Transfer the rest into the second account. That's what you have to spend for the month, so you'll have a better idea of what you can - and can't - afford later on, to stop you having too much month left at the end of your money. Sure, there might be lean times towards the end, but you'll be safe in the knowledge that your bill are all paid, so you're not going to get into arrears. Setting up the arrangement could hardly be easier. The bank will help, and you can make the transfer on a standing order so you never need to think about it again.
4. Fight the impulse. So much is bought on impulse today. The thrill of the chase and the adrenaline rush of the purchase may seem less appealing if you decide later that you don't really want, or worse still, can't afford, your latest purchase. Never fear! If you still have the receipt, you can probably take back the expensive shoes and put the money towards the electricity bill instead. Who needs a pair of Kurt Geiger shoes anyway?
5. Count the pennies. If you've done what we suggest in tips 4 and 5, you can build on that success by using money management apps on your smartphone to track the spending of funds in your second account. Simply key in the value of everything you buy and assign it to a category, then the clever app will do the money management for you by adding it all up. You can even photograph receipts or do voice recordings to record your spending. Expense management was never so easy! And what's more, seeing what you spend will let you see if there are better (or more enjoyable) ways of spending your money.
6. Make a will. This might be a tough one to talk about, but it could save your family a fortune in the long run. For example, if you're half of a couple living together and one of you dies without having made a Will, the other may have no claim on funds you've saved together. A Will is the only way to issue instructions about where you want your money to go. And it's not just about money; you may have things of great sentimental, or even financial, value that you want to go to specific people.

Sunita Nigam is a Co founder of Solo Expenses, It's brought to you by the founders of Expense on Demand, the specialist mid-market expense management system used by more than 70 countries since 2003. See http://www.soloexpenses.com

Article Source: http://EzineArticles.com/expert/Sunita_Nigam/2148823

Free Money Grant Assistance From Nonprofit Organizations to Help Pay Bills

There are nonprofit organizations in every state which have support of funds and benefit programs for the low-income individuals and families in dealing with the daily necessities of their lives. The applicants may vary from students to senior citizens, from an unemployed person to a single mother who are regularly facing the financial crunch in their lives.
Time has come to shed off your worries and apply for free grant money for bills. Seek help from nonprofits, charities or churches to pay off your bills on time and avoid disruption of services.
Assistance to Pay Housing Bills
A safe, secured and a decent accommodation is a dream of all individuals as it is the prime requisite. But not always getting an affordable shelter is a possible task for everyone with their meager and limited income. Sometimes it is impossible for these individuals to purchase or rent a house. To help these underprivileged mass in getting a respectable shelter various nonprofit organizations are offering rental opportunities in the most controlled rates. Financial support is also extended to pay off the housing bills to avoid nonpayment of rent or mortgage and avoid foreclosure or eviction. Some of the eminent nonprofits are:
• Mercy Housing
• Habitat for Humanity
• Fannie Mae
• Catholic Charities
• CoAbode
• Homesharing
• National Coalition for the Homeless (NHC)
Assistance to Pay Medical Bills
Health or medical expenses have become too much exorbitant in present time and often the financial deprived families find it difficult to meet this basic necessity of life. Charitable concerns and nonprofits are organizing free checkups and medical assistance to compensate the medical expense and bills. Apply for free money for bills to some of the popular nonprofits:
• American Red Cross
• Lutheran Services in America
• United Healthcare Children's Foundation
• Children's Health Fund
• Free Medical Clinics
• Medi-Corp
• Dispensary of Hope
Assistance to Pay Utility and Electricity Bills
The expense of utility is often sky high for the limited income mass and individuals. These low-income families also require utility assistance to compensate electricity bills and avail heating and cooling services.
Financial help is required as if not paid within the due date it can lead to disconnection of services. Apply with nonprofits for your utility bills.
• Jewish Federation of North America
• Operation Round Up by gas/utility companies
• Community Action Organizations
Assistance to Pay Food Bills
Nutrition is one of the primary concerns for the low-income groups as they often suffer from malnutrition and other health hazards due to a dearth of money. They often cannot buy healthy food or do not get proper squares of meals. Several nonprofits and charitable organizations are offering free food and food vouchers to purchase meals for children, pregnant women, single mothers, disabled and senior citizens. There are eminent nonprofit organizations to seek help from:
• Jewish Federation of North America
• Lutheran Services in America
• Feeding America
Assistance to Pay Transportation Bills
Transportation bills can be sometimes very high, especially for those who are commuting on a daily basis to their workplace. This is the reason numerous nonprofits offer transportation assistance and cars free of cost. Some of the prominent names are:
• 1-800-Charity Cars
• Cars for Careers
• Jewish Federation of North America
• Love in the Name of Christ
• Free Charity Cars
• Wheels to Work
• Car care ministry
• Caring cars program
Assistance to Pay Emergency Bills
Problem with the low-income families become even graver when an emergency situation arises like sudden hospitalization, accident or sudden bankruptcy. With the financial crisis, it is almost impossible to manage dues, debts, exorbitant bills or daily necessities. Registered organizations, nonprofits, and churches offer help with payment of these bills.
• YWCA
• Volunteers of America
• Net Wish
• Churches
• Salvation Army
It is time to apply for free grant money for bills and get rid of all your dues, debts, and outstanding bills.

Kaushikee is an avid grant writer. She writes for several grant sites & blogs, does thorough research work and accumulates all essential information that makes the blogs informative and enhances their value.

Article Source: http://EzineArticles.com/expert/Kaushikee_Sanyal/2108924

Article Source: http://EzineArticles.com/9316247

Peer-To-Peer Lending Practices Encouraged by Emerging Online Platforms

Without going into details of the concept of peer-to-peer lending, one can explain it as a type of debt financing, in which lenders and borrower enjoy freedom and control over the terms of a loan, without any intervention of intermediary financial systems. Further simplifying, it is a term used for the practice of money lending by individuals via services that connect lenders and borrowers directly.
It may come as a surprise to some; the core concept behind peer-to-peer lending is not new. People meeting new lenders and borrowers on various dedicated platforms, or being matched with appropriate lenders or borrowers online is what makes it feel something different. But if we say that a person lending money to a borrower on a moderate interest rate, with flexibility in periods of paying installments, is something out the world, I wouldn't agree. I have seen people taking money from those who consider them trustworthy (it is many times not based on credit score calculated using some complex algorithm) to meet their short-term, or sometimes even long-term financial needs, and paying back on terms mutually agreed upon.
Looking at the options available in the marketplace and the ever-growing community of lenders and borrowers we can say that it is destined to reach new heights. Even after seeing many platforms available online, I would not say that the service domain is achieving saturation. These platforms, providing facilities for peer-to-peer lending vary ever so slightly in their way of delivering services to the end user. Knowing so, one can justify the suitability of one platform for his or her needs and reject another for the very same or some other reason; only if one knows where to look for these minute variations.
Not making it too analytic, I will pick a few important points, which may act as a key factor in deciding upon the platform of your choice, but before proceeding, I suggest a broad classification based on the extent of involvement. One type covers all those platforms, which either impose some type of restriction on the loan amount, interest rate or any other terms, matching up lender or borrower payments, and their methods. The other type includes those platforms that exist primarily to facilitate direct debt financing and its record keeping, in other words, making the process systematic and easy, and does not restrict users in any way in the domain of these financial interactions.
• Networking
Some platforms match lenders and borrowers themselves or have an influence on such matchups. This reduces the scope one enjoys over selecting their lenders or borrowers. These platforms should not be considered social.
• Commission
The platform having the business model that defines earning based on money flowing through their domain usually restrict payments to be made through their transaction facilities.
• Flexibility in options available for lending or borrowing
Almost all platforms will give the option to create a loan, but few will support various complex loan terms like amortization versus balloon or custom compounding frequency, that too being independent of repayment frequency although within feasible combinations. Some platforms even restrict interest rate within specified ranges. Creating a pool for funding a large amount is another good feature to look for, but only if you get to choose whom you are sharing profits with.
I can continue writing on these and many more factors, but not much will come out of it, rather, I recommend the readers who are interested should try these platforms before sticking with the first that came in sight. Selecting old and matured platforms only has one apparent advantage, a big user base to get started right away after registration. But if you are more comfortable with lending or borrowing within your social network / trust network, which invariantly includes people from family, friends or colleagues, there is no harm in trying one of those newly launched platforms as you are not looking for unknown people to connect to anyway.

Exilend - Friends and Family Lending Platform
Exilend is Friends & Family Lending platform which brings lenders and borrowers together and help create & track loans, provides payment reminders, extensive reports and many features.

Article Source: http://EzineArticles.com/9464372

Teach Your Children About Money - Very Essential

Teach Your Children About Money - Very Essential
By [http://EzineArticles.com/expert/Olakitan_Wellington/51272]Olakitan Wellington

Man's journey on the road to success begins at the age of accountability and continues on a daily basis for the rest of his life. As soon as a child is wise enough to claim any money given to him/her as 'my money'; that child is ready for Financial Literacy lessons.

Many nations are experiencing economic quagmire now. This could have been greatly minimised if not totally eliminated. How could the present economic predicament have been avoided? Answer: if leaders of today, as school children then, were taught the essential principles of wealth creation and sustenance. It saddens me how nations with large endowment of human and natural resources are doing so poorly.

The same phenomenon applies to children of wealthy parents, at least majority of them. Studies show that a high percentage as high as 90%) of the children of wealthy people don't end up wealthy in life. At best, they just earn enough to get by in life. This is because they never learnt how to make, to keep and properly use money. They were neither taught nor disciplined on how to operate the essential laws of wealth creation.

Unfortunately, financial literacy is not taught in most schools; it is not part of the school curriculum at all. As parents, whether wealthy or poor, we all fervently wish better standards of life than we ever had for our children. Parents struggle to ensure that their offspring do not live the lives of hardship and poverty which they themselves had to go through.

Yes, it is quite tasking to teach the concept of money management to young children but they need to know the basic skills about money and they need to learn it NOW.

There are people who believe children have no business learning about money; but the truth is that habits are formed from an early age. It is the habits we teach our children that they will grow up with and live by. So many adults find it difficult to save today because they were never taught the habits of saving money and using it wisely.

Let us help our children and our future; let us join hands to eliminate financial illiteracy. Let us cooperate to build nations that will dwell in peace with each other because everyone is comfortable. Starting with one child, your child, we can turn around the economy of our nations for the better. YES, We Can!

Would you like [http://seedsofwealthng.com/]free information on how to teach your children about money management? Your children will learn basic wealth creating principles with purpose-invented and engaging fun tools. Olakitan Wellington is a seasoned Financial Literacy Education Expert with a passion to help people create and enjoy a wealthy lifestyle. Visit her resourceful site to gain free access to financial literacy tips and resources on [http://seedsofwealthng.com/]How to Raise Wealthy Children

Article Source: [http://EzineArticles.com/?Teach-Your-Children-About-Money---Very-Essential&id=9496294] Teach Your Children About Money - Very Essential

How to Generate Income Easily? Take These Passive Income Tips!

Creating passive income is the dream of everyone. Why not? Aside from requiring you not to spend lots of money, time and effort, you can also double or even triple the income you earn. The idea of building your own website, providing a service or product and sitting back to watch the flow of cash is really tempting. There are other ways in which you can earn money in an instant way. Here's how to get started.
· Create money for the tasks you are doing
Yes, you can certainly create some money when doing some things you are used to. There are other platforms such as In-box-Dollars that allows people to generate passive income through searching the web, playing games, shopping online and more. You can take advantage of their services to make some extra income.
· Invest in real property
When you have a fully rented and established property, it is mostly a matter of managing your property and making sure it performs well. If you are busy with your work or have other important matters, professional property managers can handle the task. They can manage your property while making the investment more passive.
· Purchase and rent expensive tools, equipment, etc. repeatedly
You can consider photo booth, camera, treadmills, etc. This may not very passive, but this is another type of rental income you can capitalize on. Start with one, and you can buy second one or more if you see it is in-demand among consumers.
· Be a silent business partner
Maybe you have heard different horrible stories with regard to investing in a bar, pub or whatever. But, this is not always the case. As long as you do your due diligence, you can be a business investor or silent partner just like property investors. Sounds interesting, right? However, bear in mind to invest ONLY in a business where you are sure to get a cash flow constantly or yearly.
· Designs stuffs (e.g. mugs, t-shirts) and sell them through an online store
If you have talent in designing stuffs, this can be your cool passive income idea. Different sites make it very easy for people to submit designs. Therefore, you can create lots of designs and leave them up waiting for consumers. The main idea here is to make and design stuff for the niches you know.
· Design, manufacture and trade your own item, product, etc.
This type of passive income has been tried and proven by numerous people across the world, helping them achieve better living. Start by creating a product or item, manufacture and sell it through an online site. If not, you can build your own online store and start spreading your unique work through guest posts by an affiliate program or online networking.
There you have it! These are only some of the passive income tips you can use to start your own business and earn impressive passive income after some time. They are only simple to do, yet the amount of profit you can expect to produce is incalculable.

Stephen Enis is a Successful and Passionate Online Business Owner that has created a platform where people Generate Unlimited Passive Income Online on Autopilot. Visit his website at http://smartchoiceinternational.com to learn more

Article Source: http://EzineArticles.com/expert/Stephen_Enis/495394

Article Source: http://EzineArticles.com/9509926

How To Get An Early Advance On Your Inheritance

If there is someone that has died and has left an inheritance for you, then there is a legal procedure that has to be carried out, which also takes quite a bit of time. However, there can also be expenditures that you might need to take care of, and for that, you'd need cash early on. To assist you in such a situation, there are a few ways by which you can get your inheritance faster.
Some of the things that you will be required to do so as to get an advance on your inheritance are -
• Check if you can assign the inheritance - In a lot of cases, what happens is that you can assign your inheritance or transfer it to a lender in exchange for money. So, first and foremost, you need to check with a lawyer and see if you are allowed to do that or not. If you are, then you can easily go for this option and get your money instead of waiting for all the legal formalities to get over.
• Ensure that you qualify for an advance - The sum of your inheritance must qualify for an advance. This means that you must ensure that your inheritance amount is at least as much as an advance that can be given out.
• Have a consultation with your attorney - Talk to your estate administrator before going further with getting an advance because it will usually be less money than your inheritance would give you. Also, you must ensure the amount you will get is correct or not, with your attorney.
• Alert your estate attorney - You must have a word with your attorney without going further with the advance assignment. Also, all the details must be furnished to your attorney, so that they can carry on with the necessary procedures.
• Get all the required documents - Once you have decided that you will go for the advance, the next thing for you to do is collect and gather all the necessary documents to carry out the process smoothly. You must have all the documents, like the official death certificate, the will's copy, probate court letters and documents, your identity proof, etc.
• Speak with inheritance lenders - Once you have all the necessary documentation in place, you must reach out to all the lenders in your locality and have a word with them. You could also conduct a research online to check which lender is giving you the best deal and then go for the one that suits you the best.
Taking care of these simple few steps can go a good way in helping you achieve your target of getting an advance.

If you wish to borrow against inheritance, visit http://www.advanceinheritance.com/ for more information.

Article Source: http://EzineArticles.com/expert/Rajesh_B_Sanghvi/128463

Article Source: http://EzineArticles.com/9436459

2 Extra Hours Per Week Can Make You a Millionaire

When you take 2 extra hours of work per week to bring more value to your clients, it may just change your life. What kind of change? How about $1,000,000 worth of change. But first, let see some data, and then I will give you a practical roadmap that you can put into place TODAY!
It's really scary. 26% of all Americans have $0 in their savings account. 7% don't even have a savings account! The average American has $4,436 in their savings and 76% of families are living paycheck to paycheck. The average person in their 60's has less than $200,000 in savings for retirement. It's not surprising that most people just don't believe in the idea that they really can become millionaires. But what if I could show you how? What if I could show you how to make an extra $2,000 per month, and if you invested over just 20 years, you would easily turn into $1,000,000+? Would you do it? If your answer is YES, then keep reading.
Let's take a real life example that I just set up for my personal trainer Josh. It's a perfect example of how he, you or anyone can do it. Josh was charging $50 per session and had 15 weekly clients that worked out with him an average of 3 sessions. That translates to $2,250 per week or $9,000 per month. When I posed the $2,000 = $1,000,000 concept, he loved the idea, but didn't think he could come up with the extra $2,000 per month to invest. It just seemed like a pipe dream to him. He already had a mutual fund set up, that was earning 6% a year, but it had less than $1,000 in it and he was contributing $100 per month to it. And that's the problem folks. Many of us have retirement accounts set up, but the deposits we make just not enough to move the needle of our net worth. That is why we need to get to a min. of $2,000 per month of extra cash to start moving the needle. Here is the roadmap I created for Josh to generate an additional $2,000+ per month. The big question was, "How many total extra hours per week will I need to work?" The answer? Two. That's right, two hours extra per week will make him a millionaire. I'm sure the same could easily work for your business. Regardless of the business you are in.
Here is the roadmap:
Step #1:
Increase the value you bring. In Josh's case, all he did was work people out. No meal plans, no videos, no body fat index testing, no nutritional or meal prep advise. In short, he offered his clients limited (really zero) EXTRA value. You can't increase prices without increasing value. So he and I created the following value added programs and he put all of them into action within 1 week. Josh signed up for the email program (there are tons like Constant Contact or MailChimp), loaded in his client's email addresses, and boom, he had a platform to get value added messages to them at anytime. He then created content via a simple, one-page weekly newsletter, that was emailed out on Monday morning at 6 am. In the newsletter he offered great recipes for easy to cook meals. He talked about nutritional suggestions along with vitamin and supplement recommendations. He told his readers about local farmer's markets in the area and what was in season at them to buy and eat. He even offered a DATE NIGHT SUGGESTION section in which he suggested that his clients go on a data night and why it was important to your marriage and mental health along with great locations and destinations to make it extra special. Lastly, he started to record himself doing workouts and impeded them into the newsletter so that his clients to do them on their off days. Get the picture? He started adding a foundation of value added services that informed, educated and entertained his client base. Total time per week? 2 additional hours.
Step #2:
Raise Prices. We raised his rate from $50 per session to $60 per session. $10 bucks, a small amount. But not all clients went for it.
Step #3:
What did his client say? He lost some clients who were not willing to pay the extra $10 bucks. They didn't see the value add of the newsletter, because they never had it in the first place. They just wanted to cheaper price. No problem... that is the point of step #3- to test your client base and the value you bring to them. In Josh's case, he had some cheap clients AND he was not bringing enough value to them. So they left him. If you raise prices without providing enough value to your clients, some will leave you too. And they should! Value is the key in today's crowded and cloudy marketplace. You must deliver value that exceeds the price you charge.
Step #4:
Put on Your Selling Hat. Josh lost some clients, so he had to get to selling to find replacements and a few more. But now, he was starting with a new price ($60) and a new product offering. This time it was - "Josh aka The Super Trainer", who cares about his clients more than anyone else and he proves it each and every week through the content he puts in his newsletter. He was now focusing your muscles, your mind, your food intake and even your relationship. He started asking for referrals from his existing clients and asked them to reach out to their family, friends and co-workers. I also had him talk to some of the busiest trainers at his gym and asked for their overflow, the clients they were just too busy to take on. Within 2 weeks he replaced the clients who dropped out when he raised his prices. It was ridiculously easy to replace them and he actually added 3 more for a new client base total of 18.
The end result:
Josh now has 18 very satisfied clients who get his VERY informative weekly newsletter and can watch his specific workouts on their off days. His new client base are all paying $60 per session X 3 sessions per week, and it now equals $12,960 per month. An increase of $3,960 over his prior income level.
I almost forgot... how will Josh's extra 2 hours per week make him over $1,000,000 and why should you tweak your business to find $2,000 per month to invest? Here is how it will work out for Josh. He is 30 years old. He will now increase his monthly investment from a hundred dollars to $2,000 per month because he has $3,960 more money coming in per month. Even after putting $2,000 away, he still has $1,960 more money than month! His $2,000 will go into the same mutual fund that has an average annual rate of return 6%. At the end of 21 years, it will be worth $1,017,000. He will be 51 years old and have $1,017,000+ in his retirement account! If Josh wants to continue this until he is 60 years old, he will have $2,011,000. It can happen if you just start. It's easier if you start in your 20's or 30's, but it can be done if you start in your 40's, 50's and even in your 60's.
2 hours extra per week, and $2,000 extra per month are magic.
Get ya some magic in your life!

Article Source: http://EzineArticles.com/expert/Matt_Manero/2187044

Article Source: http://EzineArticles.com/9522987

Two Alternatives to Getting Cash for Coins

Exchange kiosks at big stores often provide cash for coins poured into the machine. While many people appreciate the opportunity to convert their piggy banks and mason jars of spare pocket change into paper bills, others see different kinds of value in metal currency.
Metal Exchange
From the dime to the quarter, many denominations have ridges on the outside edge. The reason for this design feature is a common scheme for making money throughout history. Back in the Roman and Medieval eras, when the currency was stamped in a way that left uneven blobs of metal around the edges, enterprising criminals could shave off the outer surplus from the edges. The shavings from those pieces minted in gold and silver quickly amounted to a sizable profit.
Modern American versions rarely contain anything as valuable as gold or silver, yet the copper in pennies has risen high enough to rival the value of the individual coins. Over the decades, as the worth of copper increased and supplies were cut short during wartime, many different materials were used to mint the tiny Abe Lincolns. Bronze, brass, and steel have been used to make pennies in various periods in the past. Since the 1980's, pennies have been made of 97.5 percent zinc, though it's still possible to find older pennies in circulation. When the copper market hit a high point in 2011, a 95 percent copper penny (like many of those from before zinc was used) was worth three times its face value.
Assembling Collections
A popular hobby among children and adults alike, coin collecting provides hours of entertainment and rewards attention to detail. Collectors acquire cardboard displays or booklets, which they use to arrange quarters from every state or collections along other themes. As an affordable alternative to collectible cards, children can be encouraged to collect pennies minted in all the different years. Special pennies were minted for the Lincoln bicentennial in 2009, and it can be interesting to note how the wheat cent was replaced by the Lincoln Memorial and later the Union Shield.
People who travel internationally or have an interest in foreign cultures may also enjoy collecting money from other parts of the world. Seeing the figureheads, shields, and symbols chosen by other countries provides a window into different cultures. After a period of time overseas, it may not be possible to get American cash for coins from other nations, at least not at a fair rate of exchange. The monetary leftovers from last-minute purchases tend to become souvenirs for that practical reason.
Whether you appreciate the metal in a coin or its historical value, it's worthwhile to take a second look at the pocket change that many people take for granted. For those who are living on tight budgets, simply getting cash for coins at the bank may be the best option. Many banks provide paper rolls so that you can organize stacks of quarters and dimes, etc. Even when that practical route is necessary, it's worth considering whether any older coins may be of greater value to collectors.

When considering cash for coins Medford, MA residents visit CollVest Coins. Learn more at http://www.collvestcoins.com/Coin_Collections/.

Article Source: http://EzineArticles.com/expert/Andrew_Stratton/83489

Article Source: http://EzineArticles.com/9517892

Dealing With a Judgment on Your Credit Report

When trying to move about in the land of credit, those among us with checkered repayment histories will often find their travels to be rather arduous. There are many components to a credit file, and whenever one of those falls into disrepair, it behooves the individual to see what he might be able to do in order to rehabilitate that item and resume functional access to all that good credit provides. As this column has noted before, in addition to the more obvious benefits well-served by having good credit, it can now make the difference in what rates you pay for insurance, and even if you can land that job for which you've been desperately vying. The fact is that one's credit history has, over time, become a yardstick by which to measure personal integrity, fair or not, so it is essential that you do everything you can to ensure that yours is as "pure" as it can be.
This said, there is one type of credit report entry that can prove especially troublesome to address - the judgment. Although the presence of judgments are generally subject to a seven-year time limitation, they are severe enough in appearance that many people would like to find a way to make them disappear more quickly; plus, because judgments can typically be renewed by creditors (the specifics of this will vary by state), there is always the chance that a judgment will re-appear on your credit after the original seven-year clock has wound down. Although there are things that can be done more readily to directly mitigate, even remove, other kinds of items on a credit report, judgments are a particular nuisance... so is there anything that can be done?
What differentiates judgments from "garden-variety" collection items on a credit report is that a judgment is representative of a court action, which means that the judgment becomes a part of one's file not out of deference to the creditor who initiated legal action, but at the behest of the court. Once a collection matter moves from being a two-party issue (the debtor and the creditor) to a three-party issue (with the court added), the court becomes the 800-pound gorilla in the room. The only way to get a judgment removed from a credit report is to go through the legal process necessary to have it vacated, and that takes the help of an attorney, which also means time and money - plus, having a judgment vacated is simply a tall order.
So what are the options? Other than waiting for the judgment to eventually fall off of the report (and hope that it does not reappear), you might want to see about settling it... or paying the amount due outright, if that's small enough... in exchange for a satisfaction of judgment. It is up to the creditor to file the satisfaction with the court, so before paying anything, be sure you have the creditor agree in writing that the satisfaction will be filed as a condition of your payment. In the case of paying a judgment, even a small one, it is smart to involve an attorney - even though it is not necessary, and will cost you some additional bucks to have one help you with the process, the benefit and weight of legal representation in the creation and review of the settlement agreement, as well as in pressuring the creditor to live up to the terms of the agreement, if necessary, can certainly be worth the money.
The information contained here is for general information purposes only. Bob Yetman disclaims responsibility for any liability or loss incurred as a consequence of the use or application, either directly or indirectly, of any information presented herein. Nothing contained in this article should be construed as a solicitation or recommendation to engage in any financial transaction. You should seek the advice of a qualified professional before making any changes to your personal financial profile.

Robert G. Yetman, Jr. is a professional freelance writer who blogs at The Financial Writer ( http://www.thefinancialwriter.com ).

Article Source: http://EzineArticles.com/expert/Robert_Yetman/225984

Article Source: http://EzineArticles.com/9530394

Day Traders

Day Traders
ByAmanda J Hales

In the world of finance a trader is defined as someone who buys and sells financial instruments like stocks, commodities, derivatives and bonds in the capacity of an agent, speculator or hedger. A day trader, then is a trader who specializes in buying and selling these instruments within the same trading day. Trading begins and ends with the opening and the closing of the markets and may include a few or into the hundreds of orders per trading day.

Day traders belong to one of two groups, institutional and retail. A trader who is an institutional part of the equation works for a financial institution like a bank an has access to many resources, tools, and equipment, not to mention a large amount of capital with which to trade. They can trade continuously throughout the market day since they always have fresh fund inflows at their disposal.

On the other hand, those on the retail side of things use retail brokerages and trade with their own capital. It is easy then to see how institutional day traders have a certain advantage over their retail counterparts.

If you have ever watched the market you will know that it goes up and down throughout the day. World events have a lot of influence on which way the market will go. They are trained to take these little price movements and make them into something big, like big profits for their clients. When you are only trading within a day period the experts say that the more volatile the market is on a given day, the better a day trader will do. If the market is flat or not moving much on a given day, the opposite is true, and a day trader may not be able to work those great deals.

To be a day trader you need a certain know how of the markets, and the proper equipment, tools and insight to trade the right platform every day. The successes go to those with the most information on any given day. Traders also have to know when to move, when not to move and when to get out of a trade which can be a thrilling experience or one fraught with stress and panic, especially with a new trader.

Trading is a tough world to get into and is one that is often associated with burnout among its members. You can win big or lose big, it's all in the markets and how a trader works them.

VTC Traders Consortium offers top of the line trader training for S&P 500 E-mini futures trading. We can improve an already skilled trader to be at the top of their game or help the beginning trader who wants to supplement their income. We aren't like the rest--we're the best! Learn more by visiting http://www.vtctraders.com today

How to Trade the Market During the Summer When You Don't Trust the Price Action

 By David S. Adams

There are few times during the year when trading is more frustrating than the summertime. The price action tends to be clipped and erratic and I generally lose any confidence that a move will follow through in a normal fashion. In short, traders tend to lose confidence in what are normally "automatic" setups because the market has trouble maintaining a consistent order flow in any direction. This loss of confidence in the market can make e-mini scalping a tenuous and exasperating time to trade.

To trade the summertime takes a change in your approach to trading; you need to become more selective in your trade choices and make a conscious attempt at scaling back the risk factor in each of your trades. In my experience, the market tends to slowly drift either long or short and then may spike one way or the other and then resume the slow drift. These are hardly optimal conditions for an e-mini scalper to trade, but with some forethought, you can make the best of the situation and post decent gains. Of course, my expectations for trading gains are lowered because of the adverse price action, but every now and then a highly profitable day can be had. In short, I tend to lose confidence that the market will show any follow-through on trades that can often be counted on to run in one direction.

Here are some of the techniques I employ while trading during the summer doldrums:

� Scale back your earning expectations so you aren't tempted to take lower probability trades which stand a higher chance of failure because of the erratic price action that often is part of summer trading. More to the point, I haven't hit many home runs during the summer months, but collecting a number of singles can be an effective trading technique.

� Scale back the number of contracts in your trading. This will help should you encounter some unexpected erratic price movement. Conservation of your trading capital should be more of a concern than high earnings.

� It is very difficult to find a trade that will run during the summer months, so you may want to take profits earlier than you might normally take. When you find yourself in profit be careful to manage the trade carefully and don't let the price backtrack and erase the profit.

� As I said earlier in this article, the price action tends to slow in velocity and the market tends to slowly drift higher or lower. Don't get caught in a drifting market on the wrong side of the trade. Exit a trade that slowly but surely moves against you to conserve capital. These slow drifts can last for quite some time and gradually take you right into your stop loss. Even the simplest trade can take 3 or 4 times longer to complete because of low volume. (If it is a low volume day)

I can't say that summer trading is a load of fun, but with some changes in your trading methodology and scaled back earnings expectations it can still be a moderately profitable time to trade.

The retail world is full of new "magic" programs that promise untold fortunes

with little or no effort. They generally don't work, which is an understatement.

On the other hand, REAL TRADING DOESN'T LIE. Join me for [http://uniquethinkingtrading.com]3 free days in my trading room and see. No proprietary software, no B.S.

Achieve Your Investment Goals With a Mutual Fund Programme

 By Akshita Tripathi

Whenever we think of putting our money into any investment project, we first make sure that the project is proficient enough to provide maximum returns. Losing the hard-earned money is never acceptable, and this is the reason we sometimes hesitate to make investments. But, this is not the solution.

Investments have the capability of changing our future and creating a fortune. Then why there is a need to skip the idea because of some doubts in mind? Instead, we should think about such alternatives which can promise the desiring results. The mutual fund is one of the best alternatives in this regard.

What is the major risk associated with an investment project? The only answer is the market volatility, which affects the returns on our investments. And, the mutual fund has the best solution for the same. It is a programme in which the fund manager pools the monies of many investors and puts them into diversified investment schemes to reduce the associated risk. One can opt for mutual funds to fetch many benefits which involve the following:



Diversification: The most important feature that differentiates it from others is its nature of diversification. The monies of investors are allocated into various assets in a way that it reduces the exposure of risk to any one asset or scheme. As not all plans shall suffer downfall simultaneously, thus by putting money into various plans, it aims to diversify the risk factors.


Maximisation of returns: As the funds are put into varied investments, it provides maximum possible returns to the investors. So, one can fulfil his/her investment goals by putting money in the mutual funds.


Liquidity: It consists of various open-ended schemes, which are liquid in nature and provide easy cash convertibility to the investors. Thus, one can easily redeem his funds as and when required and realise the money.


Flexibility: Money helps a person to face the hard times with ease, and this is the reason, s(he) never wants to indulge in a rigid investment structure. But, the schemes designed hereunder do not have a lock-in period. Thus, an investor can choose to exit from it whenever required with the help of the redemption process.


Professional Management of Funds: The money that we invest in the schemes is handled by the fund managers who are professionally trained and highly experienced. Thus, we can make sure that our monies are administered with expertise.


Tax Savings: An investor suffers from the burden of paying a huge amount of taxes to the government. There are various schemes under mutual fund programme which offer tax benefits under section 80C of Income Tax Act. Thus, one can save the tax amount as well.


Different Ways to Invest: An investor can put money into the investment schemes by making payment in 'Lump Sum' or by using the 'Systematic Investment Plan', in which investment amount is payable in easy instalments.


Different Modes of Investing: Investors can put their monies into mutual funds by using any one out of the 'online' or the 'offline' modes, as per their feasibility and convenience.


Well-Regulated: There are a large number of asset management companies which are registered with the Securities and Exchange Board of India. They manage the funds of mutual fund programme and accordingly, assure proper regulation of the money.


Contribution Towards Economic Growth: It provides great benefit to the economy by investing the funds in various sectors of the country. Thus, an individual investor can also contribute to creating wealth for the country.


Consequently, an investor can fetch the maximum benefits from his/her investment by putting the monies into mutual fund programme and reach the goals of investment. To counter the volatility and earn good returns, it is the smart approach towards making an investment.

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BUSINESS LOAN

 By Waheed Honey

Business loans refer to the transfer of funds from a lender, usually a financial institution, to a borrower. In this case, the borrowers are businesses and the financial institutions are banks. The interest to be paid and the schedule of repayment are decided by the bankers and the borrower agrees to those terms. Lenders may offer unsecured or secured loans. Secured loans require collateral, which are generally personal assets, such as the home of the borrower. However, when talking about business loans, collateral is something owned by the business - machinery, real estate,



There are many reasons for businesses to get a loan. Some may require additional funds for the expansion of the business, or offering additional services, while others would need funds for making various small or big purchases. Lenders take quite a few factors into consideration while extending these loans. First, they would check the credit worthiness of the business. They would also evaluate how far the business has been successful and the likelihood of its being profitable. Procuring loans for a new company is indeed very challenging, and the credit history of the individual borrower is almost the sole criteria for taking the decision.



As the lender would naturally like to ensure that the borrower has the capacity to pay back the borrowed money, the borrowers need to fulfill some very strict prerequisites for availing the loans.



If the risks connected with the loan are rather high, it is generally a better option to seek investors from within the family or the social circle that could lend money or buy a part of the business. Banks are certainly not keen to offer loans carrying a high risk. Small businesses needing smaller loans could check with government sources that lend money, or other companies offering micro-loans, as their perquisites for extending loans are not so tough.



Businesses that get loans at the time of getting started have the advantage of building their credit history as the business grows. As in case of personal loans, businesses too must ensure to pay back the borrowed funds within the stipulated time.  Failure to make timely payments harms the credit history of the business, making it difficult to procure any business loans in the future.  Banks plus other lending institutions not only consider the credit rating of the business, but also its profits in the past as well as the profit the business is likely to make when being granted the loan.

   

As far as the citizens of the US are concerned, those that are looking for loans in order to start a new business or continuing with the present one should look into a good source before approaching any banks.  The US Small Business Administration is a government body that provides financial support to small business. Though everybody may not be granted help via this program, one should certainly make a sincere effort and try, as the loans available under this program carry a lower rate of interest, and the terms for paying back the loan are not so difficult.



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New Student Loan News: Borrowers Get a Small Break

 ByCarmen Dellutri, Esq

One of the biggest problems with government issued student loans is that the Department of Education doesn't handle the day to day operations. The Department contracts with other companies for these tasks. Believe it or not, the Department of Education sends the majority of student loans to the same four major contractors to handle the day to day operations of the loan processing. Are there other companies besides these four? Yes, as a matter of fact there are.

Hmmm, if it seems to you that the Education Department has been playing favorites, you would be correct. The government is playing favorites by allowing these four companies a veritable monopoly on their contracts. Can you believe it? Shockingly, these four contractors also have the worst track record when it comes to allowing borrowers to fall behind on payments.

The reason why many borrowers fall behind on payments directly after graduation vary, but one major reason is a lack of customer service. Many new graduates do not know when loans are due, how to repay those loans, or what can be done if they fall behind on loans.

Better overall customer service is one answer to this problem. Another answer is to allow smaller contractors - with much better track records - to handle a bigger percentage of student loans.

A Move by Congress

Finally, this past December while much of the country was preparing for a long holiday break, President Obama signed a spending bill that will end the issuing of student loans directly to major contractors with poor customer service. Now, instead of sending the bulk of student loans to those four major contractors, the Department of Education will have to include smaller contractors as well - in other words, all contractors are now allegedly equal.

What will the outcome be? Interestingly, most of those smaller contractors have a much better record of preventing students from defaulting simply due to better customer service. Those smaller contractors spend more time (as a rule) focused on borrowers that are about to default, and on helping new graduates understand repayment schedules and options.

Additionally, this new government law will force larger lenders to take more care when handling student loans, which might be one of the best outcomes of the new law.

What This Means for You

The Department of Education has until March 1 of this year (2016) to comply with the new law. This means that you may find (if you have government loans) better overall customer service, more customized solutions to your loan problems, and help when it comes to figuring out what you can and can't do with your student loans. You may also be dealing with a smaller contractor in the new year.

The Department of Education does argue that the smaller contractors have better track records simply because they deal with graduates that aren't delinquent, but this line of defense is debatable (and is being debated). In the end, all of this is great news for graduates with government issued student loans - and for those smaller contractors that did not get a fair shake prior to the new law.

Facing Default?

It's completely understandable that you may have fallen behind where your student loans are concerned - and rest assured that it does happen to many graduates. If this is the situation that you are currently facing, now is a great time to contact a qualified lawyer and get some advice on your next steps.

If you are falling behind on your student loan repayments, let us help you. Call the Dellutri Law Group today for a completely FREE case evaluation at 239-939-0900, or on the web at http://www.DellutriLawGroup.com - we can help!

4 Useful Things to Know to Start Forex Trading

  By Leo Eigenberg

Without the right experience and discipline, there is the potential to suffer large losses when trading the Forex market. But, with more thought and a proper plan of action, there is a greater chance of avoiding such disasters. Here are four things to know to become successful in the Forex market:

Define your risk tolerance

To be successful in the Forex market, it is essential to fully recognize the markets and yourself. One of the first steps is to gain self-awareness and clearly define your risk tolerance. This relates to amount you are willing to invest, which should be a figure that isn't too high and won't cause financial problems in the event of a loss. But, still at a sensible amount that makes it possible to complete regular trades in the market. It helps to analyze your financial goals in the process of determining the amount to trade.

Carefully choose your broker

One of the most essential steps for the beginner to get involved in Forex trading is to put in the time and effort to find a reputable broker. A poorly chosen service can lead to any gains being invalidated. Some of the issues to consider include the quality of the customer services, the ability to use the latest trading software and the type of traders the broker is aiming to attract. By carefully scrutinizing reviews on the different traders, it is possible to sign up to a specific type of service that matches the needs.

Begin with small sums

A trader account should start with small sums, and low leverage, while letting it naturally increase with organic gains and experience, not simply to make the higher deposit. There is no guarantee of making greater a profit even with the large account balance. It helps to learn the different trading techniques and only increase the account balance after you have built up a past history of generating profits. There really isn't much point in investing a lot of money if it is almost instantly wasted.

Focus on a single currency

Forex trading can be complex due to the erratic nature of the markets, so it can benefit the beginner to focus on a single currency pair when starting out. By restricting the trading options it is easier to learn and expand the skills before entering the more diverse market practices. One option is to restrict the trading activity to your own nation's currency, or you can go with the most widely traded or liquid pairs, which is a popular option and followed by both the advanced and beginner trader.

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How To Trade For Futures And Forex In The Market

 By Marcus L Jimenez

The futures trading market involves a lot of groups and are not limited to certain commodities only. This is available in animals, vegetables, minerals and processed products, such as paper. For some experts, it is known to be a speculative business venture and what may be currently affecting a particular traded product may not be what is driving the futures pricing. For this reason, it is recommended to expand on your time line of what may be happening in the future rather than the current market.

For beginners and new to the market, it is a central financial exchange where traders deal with contracts to buy specific quantities of a financial instrument at a specified price with delivery scheduled at a specified future date. That's pretty much futures explained in the most basic way. The best way to venture into it is to sign up with a trading company that offers excellent money-making opportunity in this venue with the use of intelligent and sophisticated techniques and tools. Many traders choose to use derivatives to more efficiently make profit and manage capital. For this reason, many trading pros prefer to trade futures and options out of the different financial instruments. Besides this, traders also like the low broker and deposit fees in futures trading.

How do you get started trading? Beginners tend to be intimidated, thinking that it requires skills beyond regular trading. However, even a minimal trading experience in Forex is enough of an edge to prepare you in this kind of trading. It basically follows the same rules of technical analysis in Forex trading. To truly get a grasp of how this works, you need to get your feet wet. Start with a few orders on a demo account. In doing so, you will be able to go through the details of trading and come up with your first strategies. A good trading company will help you with this.

The company will also create favorable conditions for playing. How can it manage to do this? It can be made possible by offering exhaustive and constantly updated analytics, a wide variety of trading instruments, an intelligent and up-to-date multifunctional platform that is easy to use, and a comprehensive support service provided by its expert consultants.

You could be a CFD trader involved in HFT trading, a penny stocks speculator, somebody playing with binary option. Whatever kind of trader you are, you have to stay in the loop at all times. It's good to have a company that keeps you up-to-date and allows you access to helpful techniques and tools for making the most of the opportunities in the market you participate in.

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Using Gold As Stock Market Insurance

By Barry Unterbrink

Gold's Historical Role

A minority of the population understands that gold is a monetary asset that should be held as wealth insurance. A larger percentage of the population is confused about gold because of mainstream sources of information many people consider gold a risky investment when in fact gold bullion is not an investment of all a rather money itself just like any Fiat currency held in a vault, gold does not pay interest or dividends.

It is important to understand the role of gold as money in relation to Fiat currency. Governments and banks work hard to ensure that people remain confident in their debt backed paper currencies, and the economy in general. Financing is Wall Street's lifeblood, so it will always seek green shoots of recovery around the corner just as it did in 1929, 2000, and 2008. Consumer spending and bank lending is what keeps the Fiat shell game going and people do not borrow or spend when they feel uncertain about their financial future.

There are three essential characteristics of money: it must be a store of value; it must be accepted as a medium of exchange; and it must be a unit of account, meaning that it must be divisible in each unit must be equivalent. Fiat currency has failed as a store of value and it has no intrinsic worth. How much does it cost to type and zeros on the computer screen or on a piece of paper?

Certainly less than it does today a drill a mile into the earth and extract and refine 2 grams of gold from a ton of rock. The U.S. Federal Reserve was created in 1913. From its creation through to this day, the U.S. dollar has lost approximately 98% of its purchasing power. On the other hand, Gold has retained its purchasing power rising from around $21 an ounce in 1913 to $1,300 today. Through the ages, whether in Roman times, in 1913 or today, 1 ounce of gold has at least provided a man with a pair of shoes, a custom suit, and a briefcase, or the equivalent.

Gold as Stock Portfolio Insurance

Gold is the closest most negatively correlated asset to traditional financial assets such as stocks and bonds. Physical gold bullion should be a significant part of the strategic long-term allocation within a diversified portfolio. Wall Street pundits and the uneducated media regularly dismiss Gold, and other commodities as speculation, not to be owned for most investors. Do they know - or have taken any time - to research Gold's role in a portfolio; to dig into the numbers and important relationships?

We have looked at the Gold statistics over the past 40+ years, using publicly and historical information, and determined from the data that while Gold does not move in lock-step always to offset losses in stocks, it does show a very reliable pattern to mitigate losses in bad bear stock markets, and during times of high inflation. Your amount of assets in Gold should be your decision, based on your individual needs with your money; income needs, withdrawal rates, capital gains, liquidity, etc.

The Case for Gold Ownership 1972 - 2015

Note Golds surge after President Nixon took the U.S.A. off the Gold Standard in 1971, during which Gold's price was fixed at $35 an ounce. Stocks were entering a bear market, losing 40% during 1973 and 1974, while Gold skyrocketed almost 4 times in price, rising from $40 to $160.

Then a few years later, in 1978, we were hit with an Oil Embargo (remember gas rationing?), which started 4 years of high prices (inflation), which hurt the U.S. Dollar's purchasing power. From 1978 through 1981, inflation ramped up a combined 50%. Gold prices rose +135%.

Fast forward to the next major bear market, known as the DOT COM bust. This referred to the period at the turn of the century, 2000, where the Internet funding craze ramped up to unprecedented levels. Public offerings of Initial Public Offering shares in the technology sector met with wide-open pocketbooks with individual investors and institutions alike clamoring for ginormous profits. In the five years ending in 1999, when the DOT COM craze finally ended, stocks gained 228%, while Gold also rose 55%. Then when stocks fell about 40% in 2000-2002, Gold participated also and rose 18%.

Gold then began a 10 year rally, with no losing years starting in 2003, rising from $350 to $1,650 an ounce into late 2012. So far, investors, doesn't it looks like Gold is helping a portfolio including stocks, especially when the stock market is falling in bear markets?

The last period to measure is the 2007-2008 era real estate-led bear market in housing prices and financial assets, causing the stock market to lose half its value in a short 17 months. This should be in most of our minds, if you were an investor or saver 8 years ago.

Gold had its best year in 2007 (up 30%) since the late 70's, as it rose perhaps in anticipation of / and on the fears of the banking and lending fiasco that led up to the falling stock market.

During 2007-2009, stocks lost 15% in those calendar 3 years, while Gold gained $450 an ounce, or +70 percent.

Granted, the long term record also shows Gold's poor showing the past three years; being down sharply. Is this cause for concern? We feel the roughly 40% decline in Gold prices since 2013 are due to super low interest rates competing with the no-dividend paying precious yellow, and a decent stock market. Owning Gold through 2015 was a drag on your returns in a diversified portfolio. Stocks gained about 45% the past three years. That's a healthy clip.

The Bottom Line on Gold

So the take-away here is that Gold is reliable for mitigating losses when stocks are down sharply, and when Gold really tanks, stocks usually have a a great year (1975, '83, '91, '97, '13) or at least stocks provide a nice offset to Gold's lesser declines, in years 1976, '88, '89, '96, '98, '14, '15.

Could the economic uncertainty (Brexit vote) and renewed price gains in Gold this year, up $275 an ounce, or +26%, be a precursor to an even worse stock market ahead in the second half? We're not sure, but we are not selling our allocation to Gold for ourselves or our client accounts. Any geopolitical risks should only add to the demand for histories most popular and prescient precious metal, GOLD.

Is your financial advisor aware of the positive effects that alternative investments, gold, silver can have on your investment portfolio? For a complimentary review of your specific situation and goals, please contact us: Stetson Wealth Management, Fort Lauderdale Florida (954) 719 1151