Free information about Investing http://e-articles.info/e/s/s/Investing/ en-us E-articles.info 2006 - 2009 You can invest in property for both immediate rental returns and long-term wealth creation, says Vikas Agarwal   As economic conditions improve globally, the cheer is coming back into the property market. Analysts believe it is a good time for those looking at investing in property, both residential for own use as well as from an investment perspective. Investments in property bring diversification to an investor's investment portfolio... by sapna http://e-articles.info/e/a/title/PROPERTY-INVESTMENTS-YIELD-HIGH-RETURNS/ http://e-articles.info/e/a/title/PROPERTY-INVESTMENTS-YIELD-HIGH-RETURNS/ Fri, 23 Oct 2009 00:33:17 GMT When you think of real estate investment, you probably think of independence, working for yourself and making enough money to retire without worries. These are all highly individual foci, and they are extremely appealing to many people. After all, self-sufficiency is a major goal for nearly all businesspeople, and real estate investing is potentially a great way to get there... by Peter Vekselman http://e-articles.info/e/a/title/The-Importance-of-Teambuilding-to-Real-Estate-Investing/ http://e-articles.info/e/a/title/The-Importance-of-Teambuilding-to-Real-Estate-Investing/ Thu, 15 Oct 2009 01:41:22 GMT Summary: There are definitely some very good reasons for investing via an SMSF. At the same time they do require extra work, responsibility and potentially additional cost. It's important to understand why it is that you might want to initiate an SMSF, can you achieve the same result by better utilising the managed fund environment? If not then an SMSF may be the right way for you to go... by Daniel Hicks http://e-articles.info/e/a/title/Is-an-SMSF-the-right-choice-for-your-super/ http://e-articles.info/e/a/title/Is-an-SMSF-the-right-choice-for-your-super/ Thu, 17 Sep 2009 02:49:27 GMT RENDERING EXPERTISE IN REAL ESTATE INVESTING It’s great to be financially independent and be your own boss. There is an exclusive way to achieve this success. Do you want to be a successful Property Owner/Manager who can create profitable opportunities at will? While revealing the secrets of profitable real estate investing, Baltimore REIA has integrated the facets of tax strategies into their structure to offer investors knowledge and know-how... by Baltimore REIA http://e-articles.info/e/a/title/Strategies-for-the-Smart-Investor/ http://e-articles.info/e/a/title/Strategies-for-the-Smart-Investor/ Wed, 08 Apr 2009 03:57:32 GMT Several fundamental market risks impact the value of assets or a portfolio. Although these risks are most often cited with respect to derivatives, most apply to nonderivatives exposures as well: • Absolute risk (also known as delta risk) arises from exposure to changes in the price of the underlying asset or index. • Convexity risk (also known as gamma risk) arises from exposure to the rate of change in the delta or duration of the underlying asset... by Erick Berko http://e-articles.info/e/a/title/Fundamental-Market-Terminology/ http://e-articles.info/e/a/title/Fundamental-Market-Terminology/ Mon, 06 Apr 2009 04:23:37 GMT Interest rate risk arises from several sources, including: • Changes in the level of interest rates (absolute interest rate risk) • Changes in the shape of the yield curve (yield curve risk) • Mismatches between exposure and the risk management strategies undertaken (basis risk) Interest rate risk is the probability of an adverse impact on profitability or asset value as a result of interest rate changes. Interest rate risk affects many organizations, both borrowers and investors, and it particularly affects capital-intensive industries and sectors. Changes affect borrowers through the cost of funds... by Erick Berko http://e-articles.info/e/a/title/Interest-Rate-Risk/ http://e-articles.info/e/a/title/Interest-Rate-Risk/ Mon, 06 Apr 2009 05:31:42 GMT Foreign exchange risk arises through transaction, translation, and economic exposures. It may also arise from commodity-based transactions where commodity prices are determined and traded in another currency. Transaction Exposure Transaction risk impacts an organization’s profitability through the income statement... by Erick Berko http://e-articles.info/e/a/title/Foreign-Exchange-Risk/ http://e-articles.info/e/a/title/Foreign-Exchange-Risk/ Mon, 06 Apr 2009 06:39:47 GMT Exposure to absolute price changes is the risk of commodity prices rising or falling. Organizations that produce or purchase commodities, or whose livelihood is otherwise related to commodity prices, have exposure to commodity price risk. IN THE REAL WORLD Some commodities cannot be hedged because there is no effective forward market for the product... by Erick Berko http://e-articles.info/e/a/title/Commodity-Risk/ http://e-articles.info/e/a/title/Commodity-Risk/ Mon, 06 Apr 2009 07:47:52 GMT Credit risk is one of the most prevalent risks of finance and business. In general, credit risk is a concern when an organization is owed money or must rely on another organization to make a payment to it or on its behalf. The failure of a counterparty is less of an issue when the organization is not owed money on a net basis, although it depends to a certain degree on the legal environment and whether funds are owed on a net or aggregate basis on individual contracts... by Erick Berko http://e-articles.info/e/a/title/Credit-Risk/ http://e-articles.info/e/a/title/Credit-Risk/ Mon, 06 Apr 2009 08:55:57 GMT Interest rates are a key component in many market prices and an important economic barometer. They are comprised of the real rate plus a component for expected inflation, since inflation reduces the purchasing power of a lender’s assets. The greater the term to maturity, the greater the uncertainty... by Erick Berko http://e-articles.info/e/a/title/Factors-that-Affect-Interest-Rates/ http://e-articles.info/e/a/title/Factors-that-Affect-Interest-Rates/ Sun, 05 Apr 2009 09:23:15 GMT The yield curve is a graphical representation of yields for a range of terms to maturity. For example, a yield curve might illustrate yields for maturity from one day (overnight) to 30-year terms. Typically, the rates are zero coupon government rates... by Erick Berko http://e-articles.info/e/a/title/Yield-Curve/ http://e-articles.info/e/a/title/Yield-Curve/ Sun, 05 Apr 2009 10:31:20 GMT Several major theories have been developed to explain the term structure of interest rates and the resulting yield curve: • Expectations theory suggests forward interest rates are representative of expected future interest rates. As a result, the shape of the yield curve and the term structure of rates are reflective of the market’s aggregate expectations. • Liquidity theory suggests that investors will choose longer term maturities if they are provided with additional yield that compensates them for lack of liquidity... by Erick Berko http://e-articles.info/e/a/title/Theories-of-Interest-Rate-Determination/ http://e-articles.info/e/a/title/Theories-of-Interest-Rate-Determination/ Sun, 05 Apr 2009 11:39:25 GMT Factors that Affect Foreign Exchange Rates Foreign exchange rates are determined by supply and demand for currencies. Supply and demand, in turn, are influenced by factors in the economy, foreign trade, and the activities of international investors. Capital flows, given their size and mobility, are of great importance in determining exchange rates... by Erick Berko http://e-articles.info/e/a/title/Factors-that-Affect-Foreign-Exchange-Rates/ http://e-articles.info/e/a/title/Factors-that-Affect-Foreign-Exchange-Rates/ Sun, 05 Apr 2009 12:47:30 GMT Physical commodity prices are influenced by supply and demand. Unlike financial assets, the value of commodities is also affected by attributes such as physical quality and location. Commodity supply is a function of production... by Erick Berko http://e-articles.info/e/a/title/Factors-that-Affect-Commodity-Prices/ http://e-articles.info/e/a/title/Factors-that-Affect-Commodity-Prices/ Sun, 05 Apr 2009 13:55:35 GMT Private equity investment is money invested in companies that do not trade on the public stock markets. Private equity investments run the scope of corporate finance strategies from financing new companies to infusing capital in established companies. Channels that include private equity include: leveraged buyouts, venture capital, real estate & special situations... by David E Simpson http://e-articles.info/e/a/title/Private-Equity-Investment/ http://e-articles.info/e/a/title/Private-Equity-Investment/ Mon, 16 Mar 2009 14:23:40 GMT          Build your financial future by maximizing your retirement assets   By Patricia Hightower, Road Home Investments LLC   Are you one of a multitude of investors who has recently experienced significant losses in your retirement account as a result of stock market decline? In 2008 Americans were faced with the unthinkable collapse of large investment banks and corporations, combined with diabolical scandals targeting investors... by Patricia Hightower http://e-articles.info/e/a/title/Invest-in-a-Brighter-Tomorrow-with-a-Self-Directed-IRA/ http://e-articles.info/e/a/title/Invest-in-a-Brighter-Tomorrow-with-a-Self-Directed-IRA/ Sun, 04 Jan 2009 15:31:45 GMT In order to become a successful real estate investor there are several major skills that must be mastered. One of these skills is acquiring the money to fund your real estate investments.  This skill should be learned, developed, practiced, and perfected... by Dennis Henson http://e-articles.info/e/a/title/Finding-Money-for-Real-Estate-Deals/ http://e-articles.info/e/a/title/Finding-Money-for-Real-Estate-Deals/ Sun, 06 Jul 2008 16:39:50 GMT Growing in popularity as a source of investment capital—and in controversy —are PIPES (private investment in public equity). A sum of private money is used to buy a stake in a public company in need of funds from sources other than a secondary public offering. That stake can be in common or preferred stock, convertible bonds, or warrants... by Jason Steup http://e-articles.info/e/a/title/WHAT-ARE-PIPES-(private-investment-in-public-equity)/ http://e-articles.info/e/a/title/WHAT-ARE-PIPES-(private-investment-in-public-equity)/ Mon, 19 May 2008 17:47:55 GMT If investor relations remains a venue of the financial discipline, it now becomes, as well, the domain of the marketer. Or more accurately to the investor relations professional’s acumen must be added the skills—and certainly the viewpoint—of the marketer. A small but significant addition— most investor relations professionals’ communications skills are already part of their arsenals... by Jim Oswald http://e-articles.info/e/a/title/THE-INVESTOR-RELATIONS-CHALLENGE/ http://e-articles.info/e/a/title/THE-INVESTOR-RELATIONS-CHALLENGE/ Sun, 18 May 2008 18:55:15 GMT No strategic investor relations plan—nor any marketing plan—can be effective without a clear view of objectives. After all, if you don’t know where you’re going, how do you know how to get there? If you don’t have a clearly defined sense of why you’re putting yourself through all these machinations, then why are you doing it? Objectives, like visions, must be concrete and realistic if they are to have any value at all. Not wishes, but goals to be achieved to make a vision a reality... by Jim Oswald http://e-articles.info/e/a/title/INVESTOR’S-OBJECTIVES/ http://e-articles.info/e/a/title/INVESTOR’S-OBJECTIVES/ Sun, 18 May 2008 19:23:20 GMT A compliance procedure for practices by investor relations consultants in issuing information should be standard, and appropriate parts of the procedure should be disseminated to all clients. This protects both the company and the consultant, as well as the investing public. It assures that all issued information is carefully reviewed (and if necessary, questioned), and that all sources are clearly identified... by Jason Steup http://e-articles.info/e/a/title/COMPLIANCE-PROCEDURE-FOR-INVESTOR-RELATIONS-FIRMS/ http://e-articles.info/e/a/title/COMPLIANCE-PROCEDURE-FOR-INVESTOR-RELATIONS-FIRMS/ Sun, 18 May 2008 20:31:25 GMT Investors can now construct for themselves a personalized basket of stocks in the form of what are called folios, which refers to a set of stocks taken together as a unit. Folios, like ETFs, represent a direct challenge to mutual funds. To date, this challenge is small because this alternative has only recently gotten underway... by Tim Stawman Jr. http://e-articles.info/e/a/title/Folios/ http://e-articles.info/e/a/title/Folios/ Thu, 15 May 2008 21:39:30 GMT Brokerage firms. A number of brokerage firms offer this service to clients, and the minimum amounts necessary to open an account, as well as the fees involved, have been declining. For example, an investor can open a separate account at Merrill Lynch for as little as $100,000... by Tim Stawman http://e-articles.info/e/a/title/Investor-Alternatives-With-Separately-Managed-Accounts/ http://e-articles.info/e/a/title/Investor-Alternatives-With-Separately-Managed-Accounts/ Thu, 15 May 2008 22:47:35 GMT Would you ever consider relinquishing financial or management control of your company to someone you’ve never met or never even speak to? It sounds like an inconceivable and even ludicrous idea, yet we do it with our IRAs every day. As the annual deadline for IRA contributions rapidly approaches, it is an opportune time to consider a surprising and beneficial alternative to the traditional manner in which we have been taught to set up our IRAs. This alternative is referred to as a self-directed IRA... by Irene Eraklidis http://e-articles.info/e/a/title/TAKING-CONTROL-OF-YOUR-IRA/ http://e-articles.info/e/a/title/TAKING-CONTROL-OF-YOUR-IRA/ Wed, 09 Apr 2008 23:55:40 GMT Panama offers some incredible investment opportunities for the developer wanting a large piece of land to construct a resort or for the individual just looking for a piece of paradise to construct a little shangri la. With an abundance of natural beauty, panama is as diverse as its people and birds, with two oceans, miles of beaches, cool fresh highlands, panama has always been the "puente del mundo, corazon del universo", meaning "bridge of the world, heart of the Universe". That has always been the case, only that in the eyes of many foreigners, Panama was a stopping point to drug lords, and home to dictators, and yes that was the case in the 70's and 80's but they are far gone and now Panama enjoys a stable economy, dollar based, modern day luxuries, and it is a country of very friendly people... by Rudy Esripeaut http://e-articles.info/e/a/title/Panama-Islands:-Investment-Opportunities/ http://e-articles.info/e/a/title/Panama-Islands:-Investment-Opportunities/ Tue, 12 Feb 2008 01:23:45 GMT The forex market offers lot of opportunities for financial success and also financial destruction. It attracts people who like to take big chances, and the people who want to make their money in the fast way . The major players in the forex market consist of several groups: The first group is the trader... by lena brown http://e-articles.info/e/a/title/How-to-invest-your-money-properly/ http://e-articles.info/e/a/title/How-to-invest-your-money-properly/ Wed, 16 Jan 2008 02:31:50 GMT Varna is a significant trading centre, commercial sea port and is situated on the northern Bulgarian coast. Varna and the surrounded resorts of Golden Sands, Sveti Konstantin, Albena and Balchik offer some of the best soft sandy beaches in Europe. The area has become an increasingly important summer holiday destination with many visitors from the UK, Germany, France as well as the traditional visitors from Russia and other parts of Eastern Europe... by Ian Hunt http://e-articles.info/e/a/title/Varna-Property-Investment/ http://e-articles.info/e/a/title/Varna-Property-Investment/ Wed, 02 Jan 2008 03:39:55 GMT WITH the strong performance from the equity market over the last few years, investors may find that they are over-exposed to equities according to their risk profile warns Sunel Veldtman, director at Barnard Jacobs Mellet Private Client Services... by Bernard Mellet http://e-articles.info/e/a/title/Time-To-Release-Your-Investments/ http://e-articles.info/e/a/title/Time-To-Release-Your-Investments/ Sat, 01 Dec 2007 04:47:15 GMT The outlook for global property remains sound on the back of economic growth says Mark Appleton, chief investment officer at Barnard Jacobs Mellet Private Client Services, who recently returned from an overseas visit to global property investment managers... by Bernard Mellet http://e-articles.info/e/a/title/Global-Property-Remains-Promising/ http://e-articles.info/e/a/title/Global-Property-Remains-Promising/ Sat, 01 Dec 2007 05:55:20 GMT The Middle East has emerged as one of the fastest growing economies in the world. Sharp rise in development and acceptance of foreign investments has opened up a world of opportunity for the region, and leading the way are the United Arab Emirates, where Dubai is quickly becoming the world’s business hub for all investors from around the globe. Currently there is over $100 billion worth of real estate under development and planning, which underlines the scope of Dubai’s growing potential... by Zouheir El Komati http://e-articles.info/e/a/title/Italian-Riviera-and-Middle-East-property-comparison/ http://e-articles.info/e/a/title/Italian-Riviera-and-Middle-East-property-comparison/ Sat, 24 Nov 2007 06:23:25 GMT Venture capital firms are composed of different partners. These partners make investment decisions and generally take place on each portfolio company board. Partners tend to invest in what they know, to find a partner who happened your experience working in the industry is very helpful... by Dave Lavinsky http://e-articles.info/e/a/title/Identifying-the-Right-Venture-Capital-Firm-Partner/ http://e-articles.info/e/a/title/Identifying-the-Right-Venture-Capital-Firm-Partner/ Fri, 16 Nov 2007 07:31:30 GMT While most venture capital firms seek first reflect on investors and venture capitalists, a large alternative source of funding grants and federal loans. The two largest federal grant programs are administered by the Small Business Administration (SBA), and by Small Business Investment Companies (SBICs). An SBA loan, regardless of whether it is a direct loan from the SBA, or, as is more common, a bank loan guaranteed by the SBA, is essentially a bank loan... by Dave Lavinsky http://e-articles.info/e/a/title/Alternative-Venture-Finance:-Federal-Grants-and-Loans/ http://e-articles.info/e/a/title/Alternative-Venture-Finance:-Federal-Grants-and-Loans/ Thu, 15 Nov 2007 08:39:35 GMT Commonly wisdom tells us that it's a good idea to save 10% of what we earn. Many authors of books for financial assistance explain in detail that, after 20 to 30 years these 10% savings can probably help you retire from your day job. In fact, you probably know these people who live in your neighborhood who first settled in this way and, over the years, accumulated considerable wealth... by Ted Sullivan http://e-articles.info/e/a/title/Investing-in-yourself-means-to-invest-in-your-future/ http://e-articles.info/e/a/title/Investing-in-yourself-means-to-invest-in-your-future/ Thu, 15 Nov 2007 09:47:40 GMT Having taken the bold and glorious sacked the boss and go it alone you are one of the few who have what it takes to succeed. You have the entrepreneurial spirit and strong and they are rare and valuable attributes that will guide you throughout your professional and personal lives. Now that your business is running and you enjoy your efforts, it is time to turn your attentions to invest the profits of your home-based business wisely and for maximum profit... by Rhiannon Williamson http://e-articles.info/e/a/title/Investing-the-profits-of-your-home-based-business/ http://e-articles.info/e/a/title/Investing-the-profits-of-your-home-based-business/ Thu, 15 Nov 2007 10:55:45 GMT Your investment club will have to decide what type of entity you're going to adopt for commercial purposes. You will have to decide whether you're going to be a corporation, a partnership or a limited liability company. Each of these business models has its own advantages and disadvantages... by chris hickman http://e-articles.info/e/a/title/How-to-Start-an-Investment-Club/ http://e-articles.info/e/a/title/How-to-Start-an-Investment-Club/ Thu, 15 Nov 2007 11:23:50 GMT This guide will help you evaluate whether buying a franchise is for you. It will help you understand your obligations as owner of a franchise. Many people dream of owning and running their own business, but are often disappointed by the reality of doing so... by Matt Bacak http://e-articles.info/e/a/title/Buying-a-Franchise/ http://e-articles.info/e/a/title/Buying-a-Franchise/ Thu, 15 Nov 2007 12:31:55 GMT If you really want the best deals in property investment, you need to increase your chances of finding more contracts. Who is more likely to get a cheap building, which resembles an investor through MLS listings and calls a day, or one who uses ten resources? Here are the ten: 1. Talk... by Steve Gillman http://e-articles.info/e/a/title/Finding-Investment-Properties/ http://e-articles.info/e/a/title/Finding-Investment-Properties/ Thu, 15 Nov 2007 13:39:15 GMT The last downturn of the world's market has seen millions of "everyday" investors badly burned fingers. Overnight life savings were eaten away, pension funds has been declining and the economic forecast for all those of us who have money invested in stocks and shares is bleak to say the least. As a direct result of their thousands investors turned their backs on the Russian stock markets and sought alternative asset classes in which to invest their hard-earned money... by Rhiannon Williamson http://e-articles.info/e/a/title/5-Hot-Tips-for-Successful-Real-Estate-Investment/ http://e-articles.info/e/a/title/5-Hot-Tips-for-Successful-Real-Estate-Investment/ Wed, 14 Nov 2007 14:47:20 GMT After riding the ups and downs of the stock roller coaster for some time, a growing number of investors seeking to own property as an investment more stable alternative. With hot markets in many parts of the United States, it may be time for you to get into this potentially lucrative trade. I would say, however, that you continue to read before you jump on the first property that you find... by Cameron Brown http://e-articles.info/e/a/title/Investment-Property:-How-Not-to-Become-a-Slumlord/ http://e-articles.info/e/a/title/Investment-Property:-How-Not-to-Become-a-Slumlord/ Wed, 14 Nov 2007 15:55:25 GMT Initially it's a tentative. Your first deals are small potatoes. To earn money with no investment is not entirley true... by Jack Reynolds http://e-articles.info/e/a/title/Make-Money-With-No-Investment/ http://e-articles.info/e/a/title/Make-Money-With-No-Investment/ Wed, 14 Nov 2007 16:23:30 GMT According to the Coin Laundry Association, laundry centers and coin laundries average a powerful 20 to 30% return on investment. The success of a laundry owner offers 6 powerful perspective on why you too can and should do great financial rewards part-time efforts. Are you ready to join the ranks of the many successful entrepreneurs like Dan King, which are "cleaning " Today's commercial laundry industry? With the equity market volatility and uncertainty in the economy, many Americans are finding it difficult to find investments that can survive the recession and economic slowdown... by Ann Evans http://e-articles.info/e/a/title/Is-retirement-the-best-business-for-you/ http://e-articles.info/e/a/title/Is-retirement-the-best-business-for-you/ Tue, 13 Nov 2007 17:31:35 GMT This new method is used throughout the world. People are compounding money for themselves quickly. Its called "investment opportunity", and it has nothing to do with the traditional way of investing... by Martin Thomas http://e-articles.info/e/a/title/New-Way-To-Get-Rich-Rapidly/ http://e-articles.info/e/a/title/New-Way-To-Get-Rich-Rapidly/ Sun, 11 Nov 2007 18:39:40 GMT No matter what age you are, or even your level of employment or economic situation, it might be a good idea to start preparing now, even in a small way, for a possible financial security . Some people feel they need every dollar they do to get through a paycheck to the next. This may be true for some, there are others who are wasting considerable sums on things insignificant... by Charles Kassotis http://e-articles.info/e/a/title/Invest-now-for-dividends-later/ http://e-articles.info/e/a/title/Invest-now-for-dividends-later/ Sun, 11 Nov 2007 19:47:45 GMT There are three basic principles of investment property that you need to know before buying investment property in order to avoid overpaying: Time how long you plan to own the property investment? As in the case of stocks and bonds, the value of your investment may change significantly during the time that you have. While most real estate will appreciate in value over time, there are frequent changes in the market in the short term. If you plan to sell your property investment after less than five years, be willing to accept the risks of investing in a time horizon shorter... by Cameron Brown http://e-articles.info/e/a/title/Investment-Property:-What-to-Know-Before-You-Buy/ http://e-articles.info/e/a/title/Investment-Property:-What-to-Know-Before-You-Buy/ Sun, 11 Nov 2007 20:55:50 GMT What are the disadvantages of purchasing property “Off Plan”? There certainly are many advantages to buying property Off Plan, but the disadvantages can not be ignored. One of the major factors which prevent increasing numbers of investors and homebuyers from buying Off Plan is that you are committing yourself to purchase a property which you can not physically see or inspect. The decision to buy http://e-articles.info/e/a/title/Disadvantages-of-purchasing-property-''Off-Plan''/ http://e-articles.info/e/a/title/Disadvantages-of-purchasing-property-''Off-Plan''/ Fri, 09 Nov 2007 21:23:55 GMT Becoming a successful entrepreneur is not a "my way or the highway" type of operation. Finding the perfect investment firm to manage your assets should not be either. Because there is so much industry, so many investors, and therefore different strategies for success, the right to choose the team of asset management can be a daunting task... by Jennifer Harper http://e-articles.info/e/a/title/3-Pros-of-choosing-a-team-that-is-good-for-your-asset-management-company/ http://e-articles.info/e/a/title/3-Pros-of-choosing-a-team-that-is-good-for-your-asset-management-company/ Fri, 09 Nov 2007 22:31:15 GMT Gaining financial security is the main reason why most people turn to property, which is no surprise because property has been and continues to be one of the most solid investments around. Investing in property represents the best reward vs. risk investment you can make for you and your family... by Michael Kerr http://e-articles.info/e/a/title/How-Property-Investment-can-work-for-you/ http://e-articles.info/e/a/title/How-Property-Investment-can-work-for-you/ Wed, 07 Nov 2007 23:39:20 GMT Most people know that when buying a time, the utmost care must be taken. However, further research and care should be used when buying a time of resale. Timeshare resales, cheaper to buy directly from a resort developer, but you should always keep your best interests at heart... by John McIver http://e-articles.info/e/a/title/Buying-a-Timeshare-Resale/ http://e-articles.info/e/a/title/Buying-a-Timeshare-Resale/ Sun, 04 Nov 2007 01:47:25 GMT 10 years ago the price differential between a brand new apartment and an old one was usually 25%; the latter being the cheaper of the two. However, in the last few years these prices have been converging at an alarming rate so much so that now in Yvelines according to the Chambre of Notaires of Ille de France the difference in price between the two is now as little as tens of Euros compared with 17% two years ago! A representative of the developers Nexity who builds nearly 10,000 homes across France per year is quoted as saying that the gap between the two is now around 6%. Michel Mouillart a professor at the University of Paris-X has studied this phenomenon very closely and commented that if these trends continued then the price of old buildings could soon overtake the price of new developments... by Nick Dowlatshahi http://e-articles.info/e/a/title/The-Price-of-Old-Properties-Are-catching-Up-With-The-Price-Of-New-Developments/ http://e-articles.info/e/a/title/The-Price-of-Old-Properties-Are-catching-Up-With-The-Price-Of-New-Developments/ Sat, 27 Oct 2007 02:55:30 GMT For many people a property is more than a place to live. It is the start of a whole new lifestyle and better quality of life. What could be better than all of this being financed out of the rent paid by somebody else? For most landlords a place to retire to is likely to be located on or near to the coast or in one of the ‘honey pot’ locations: the peaks, the lakes, the Cotswolds, the highlands, the Norfolk Broads... by Chris Horne http://e-articles.info/e/a/title/Buy-to-Retire-Landlords:-UK-Property-Investment-Advice/ http://e-articles.info/e/a/title/Buy-to-Retire-Landlords:-UK-Property-Investment-Advice/ Thu, 25 Oct 2007 03:23:35 GMT Many of American investors considers that getting global investment exposure just means buying some US exchange listed Pepsi shares or some other such international company which has a huge part of its income outside USA. But this is not the real investing way to get global exposure. Global Investment for the most part is not just buying US companies with source of income around the world, it means owning the real thing, and its not Pepsi... by Jame Howard http://e-articles.info/e/a/title/Getting-a-Global-Investment-Exposure-in-the-direct-way/ http://e-articles.info/e/a/title/Getting-a-Global-Investment-Exposure-in-the-direct-way/ Wed, 24 Oct 2007 04:31:40 GMT Overseas Investment Property in the Czech Republic is well worth considering, the Czech republic is one of the most advanced of the Central and Eastern European (CEE) economies. It became a full member of the EU in May 2004 and was the first CEE country to be admitted to the Organisation for Economic Cooperation and Development (OECD). This organisation has only 30 members worldwide who all commit to democratic principles and market economies... by Brett Boson http://e-articles.info/e/a/title/Overseas-Investment-Property-in-the-Czech-Republic/ http://e-articles.info/e/a/title/Overseas-Investment-Property-in-the-Czech-Republic/ Tue, 23 Oct 2007 05:39:45 GMT A lot of people nowadays consider the possibility of refinancing their homes as a good way to get some profit from their home equity and to improve their financial situation. Refinancing your home may be a very helpful source of money for home improvements you’ve planned or may simply allow you to take advantage of lower interest rates. Besides, quite a frequent situation is that people, in order to help a family member, consider refinancing a family member’s home in their own name... by Arthur York http://e-articles.info/e/a/title/Refinancing-Your-Parents'-Home:-Stumbling-Stones/ http://e-articles.info/e/a/title/Refinancing-Your-Parents'-Home:-Stumbling-Stones/ Mon, 15 Oct 2007 06:47:50 GMT Every country differs in how it regulates its real estate market, but following some simple, though all-to-readily forgotten, advice can help you avert some of the most common mistakes when buying property abroad, whether for a primary residence, a holiday home or an investment. The pitfalls are especially great when it comes to buying property outside of your home country. Though most people go through with a house purchase without problems, far too many face unnecessary and easily avoidable problems just because they left their brains at home or on the plane... by Ferdinand Hales http://e-articles.info/e/a/title/How-to-Avoid-Common-Mistakes-when-Buying-Property-Abroad/ http://e-articles.info/e/a/title/How-to-Avoid-Common-Mistakes-when-Buying-Property-Abroad/ Thu, 20 Sep 2007 07:55:55 GMT We are to examine the concept of DCF-ROR. It is completely different from the return on investment (ROI) commonly used in business. The conventional ROI is computed for an accounting period, generally on the accrual book figure; investment is taken at original cost, although it is sometimes taken at half original cost; no adjustment is made for time value when looked at in the long run... by Riot Frost http://e-articles.info/e/a/title/Calculating-Rate-of-Return/ http://e-articles.info/e/a/title/Calculating-Rate-of-Return/ Tue, 24 Jul 2007 08:23:15 GMT What is a guarantor? A guarantor is simply an individual, often a close relative that undertakes to assume the financial liabilities of the tenant including paying the rent in the event that they stop.  Where a guarantor enters into an agreement he or she normally agrees to meet the full obligations under the tenancy agreement on the tenant's behalf. This may include rent arrears, damage to the property, or other liabilities and obligations arising from the tenant's failure to comply with the lease covenants... by Chris Horne http://e-articles.info/e/a/title/Using-a-guarantor/ http://e-articles.info/e/a/title/Using-a-guarantor/ Tue, 19 Jun 2007 09:31:20 GMT France has a lot to offer most people from many beaches, country life, rural hamlets, towns and major cities.  Historic buildings, ski resorts, and relatively cheap property in comparison to other western countries it is no wonder many people choose to relocate to France.  Property developers choose to build apartments and houses in towns and cities where there are large metropolitan areas to service demand for housing... by Ray Blanchett http://e-articles.info/e/a/title/A-Buying-Guide-on-Investing-in-property-in-France/ http://e-articles.info/e/a/title/A-Buying-Guide-on-Investing-in-property-in-France/ Tue, 12 Jun 2007 10:39:25 GMT Spain has a lot to offer many property investors and anyone whishing to relocate to the sandy beaches or rural hamlets have much to choose from.  Many people go to Spain each week looking for holiday property or for a change in life style.  Property in Spain comes in all price brackets, where a mansion can be purchased, acres of land or a cave in a rural area... by Raymond Blanchett http://e-articles.info/e/a/title/Buying-Spanish-Property-Overview/ http://e-articles.info/e/a/title/Buying-Spanish-Property-Overview/ Fri, 08 Jun 2007 11:47:30 GMT Historically UK housing has demonstrated very good rates of capital growth over a long period of time. According to the Nationwide, house prices have increased by an average of 9% a year since 1973. In comparison, the average rate of inflation over that period has been 7% (Office of National Statistics)... by Property Hawk Team http://e-articles.info/e/a/title/Long-term-investment/ http://e-articles.info/e/a/title/Long-term-investment/ Thu, 07 Jun 2007 12:55:35 GMT UK residential property has been the best performing asset class in the last 50 years according to the Barclays Capital Equity Guilt Study & ODPM housing statistics. These figures showed that in real terms (after inflation) 100pounds invested in a portfolio of shares in 1930 would have grown to a little over 363pounds by the end of 2004 compared with 767pounds if that same amount had been invested in residential property. Despite this, it has been very difficult to invest indirectly in the residential property market... by Chris Horne http://e-articles.info/e/a/title/Residential-Property-Investment/ http://e-articles.info/e/a/title/Residential-Property-Investment/ Sat, 02 Jun 2007 13:23:40 GMT In order to stay up-to-date with the latest news and opinion about the brewing scandal surrounding diabetes drug Avandia, many people are turning to the blogosphere. http://e-articles.info/e/a/title/WHAT-INVESTORS-SHOULD-KNOW-ABOUT-AVANDIA/ http://e-articles.info/e/a/title/WHAT-INVESTORS-SHOULD-KNOW-ABOUT-AVANDIA/ Fri, 25 May 2007 14:31:45 GMT The process of letting combines a mixture of skills. It can be a real test of a landlord's abilities. On the one hand it brings into play your marketing and selling skills... by Chris Horne http://e-articles.info/e/a/title/Steps-involved-in-letting-a-property/ http://e-articles.info/e/a/title/Steps-involved-in-letting-a-property/ Tue, 22 May 2007 15:39:50 GMT There has been a lot written about winning property investment strategies. After many years of investing I’m convinced that there are only two strategies that a property investor should employ. These strategies are basic, but fundamental to your investment selection... by Chris Horne http://e-articles.info/e/a/title/Property-investment-strategies/ http://e-articles.info/e/a/title/Property-investment-strategies/ Tue, 22 May 2007 16:47:55 GMT As many investors may know, Online Investment Programs offered via the internet are mostly end up with losses or scam... by Yuliarko http://e-articles.info/e/a/title/Online-Investment-Programs/ http://e-articles.info/e/a/title/Online-Investment-Programs/ Sat, 19 May 2007 17:55:15 GMT The aim of this article is to give you some basic thoughts to enable you to decide how much you should be prepared to invest in a business. There are two aspects that need to be covered: - Deciding how much it is right in your circumstances to consider investing. - Assessing how much of your own money will be needed to ensure your business venture is well funded... by Andrew White http://e-articles.info/e/a/title/How-Much-Should-You-Spend-on-a-Business/ http://e-articles.info/e/a/title/How-Much-Should-You-Spend-on-a-Business/ Tue, 15 May 2007 18:23:20 GMT ‘Summer of love’ Apparently fashion goes in 20 years cycles. If true, this means that we should all be attired in fluorescent coloured clothing and flowery ‘dayglo’. For those old or indeed young enough to remember - 1987 was the ‘rave’ inspired ‘Summer of Love’... by Chris Horne http://e-articles.info/e/a/title/INVESTMENT-FASHIONS/ http://e-articles.info/e/a/title/INVESTMENT-FASHIONS/ Mon, 14 May 2007 19:31:25 GMT Thousands of investors sunk billions of dollars into these equities, seeking tax breaks. However, they sacrificed their rate of return for tax savings. Now, there are fewer tax shelters that exist, and fewer people using them to their advantage! Hopefully, after reading this, you won’t be one of them... by Didier Benini http://e-articles.info/e/a/title/ADVANTAGED-PLANS/ http://e-articles.info/e/a/title/ADVANTAGED-PLANS/ Tue, 10 Apr 2007 20:39:30 GMT Several common measures are available for calculating the value of common stock. While most shareholders look mainly for the price per share, it’s not the only indicator of a stock’s worth. Other factors include: earnings per share, the price-earnings ratio, net asset value per share, and yield... by Denisa C. Pavacik http://e-articles.info/e/a/title/VALUING-COMMON-STOCK/ http://e-articles.info/e/a/title/VALUING-COMMON-STOCK/ Wed, 04 Apr 2007 21:47:35 GMT Diversify, diversify, diversify—it can’t be said enough. History has shown us, very recently in fact, how vital it is to diversify our investments. When a stock, mutual fund, or even a sector is hot, it can be tempting to think about investing a good portion, or all, of your money in it... by Carmen Emsley http://e-articles.info/e/a/title/THE-IMPORTANCE-OF-DIVERSIFICATION-WHILE-INVESTING/ http://e-articles.info/e/a/title/THE-IMPORTANCE-OF-DIVERSIFICATION-WHILE-INVESTING/ Tue, 03 Apr 2007 22:55:40 GMT Detecting potential busted cash burners entails comparing a company’s cash flow to its working capital. Let’s define those terms first. Cash Flow A company could be burning cash, meaning that it is spending more cash than it takes in (negative cash flow), even though it reports positive earnings quarter after quarter... by Tamy Cargova http://e-articles.info/e/a/title/Detecting-Potential-Busted-Cash-Burners/ http://e-articles.info/e/a/title/Detecting-Potential-Busted-Cash-Burners/ Mon, 02 Apr 2007 23:23:45 GMT Cash flow is the amount of actual cash that flowed in or out of a firm’s bank accounts during the reporting period. Cash flow is a better gauge of a company’s profitability than reported earnings because earnings reflect a myriad of arbitrary accounting decisions while cash flow reports the real change in bank balances. Operating cash flow reports the cash generated or used by the company’s basic operations... by Linda Hoole http://e-articles.info/e/a/title/Statement-of-Cash-Flows/ http://e-articles.info/e/a/title/Statement-of-Cash-Flows/ Mon, 02 Apr 2007 01:31:50 GMT ROE measures a company's returns on its shareholders' investments in the same manner. ROE is a company's annual net income divided by its shareholders equity. ROE = net income/shareholder's equity ROE is widely reported, and many money managers rely on it as a key gauge of a company's profitability... by Andy Jenkan http://e-articles.info/e/a/title/What-is-Return-on-Equity-(ROE)/ http://e-articles.info/e/a/title/What-is-Return-on-Equity-(ROE)/ Sat, 31 Mar 2007 02:39:55 GMT Let's take another look at the basic accounting equation: total assets = total liabilities + shareholders' equity Total liabilities is just what is says: everything that the company says it owes, regardless of where it appears on the balance sheet. The point of using an ROE-type formula is to measure a company's profitability by comparing its net income to its assets. The return on assets formula (ROA) does just that; it divides net income by total assets, which includes shareholder's equity plus all borrowings... by Andy Jenkan http://e-articles.info/e/a/title/What-is-Return-on-Assets-(ROA)/ http://e-articles.info/e/a/title/What-is-Return-on-Assets-(ROA)/ Mon, 26 Mar 2007 03:47:15 GMT Most of us think of the money we carry in our wallets as cash, and that’s it. Cash, though, has a broader definition than just the coins and bills we use to pay for goods. It is also the type of investment characterized by a high level of liquidity and little to no risk to your original investment... by Chuck Martinez http://e-articles.info/e/a/title/CASH-INVESTMENTS/ http://e-articles.info/e/a/title/CASH-INVESTMENTS/ Sun, 25 Mar 2007 04:55:20 GMT An easy strategy to preparing for your child’s education is to invest in bonds. There are bonds that are specially designed for education purposes, like the Series EE bonds. However, by purchasing a bond and matching up the maturity date to coincide with when your child will start school, you will have created a source of money that can be used for tuition, books, room and board, or whatever school costs you want to use that money for... by Correy Phillips http://e-articles.info/e/a/title/SAVINGS-BONDS/ http://e-articles.info/e/a/title/SAVINGS-BONDS/ Thu, 22 Mar 2007 05:23:25 GMT Where you own your assets is as important as what asset classes you own. Certain investments have tax benefits that may be lost if owned in a retirement plan, whereas there are distinct advantages to holding directly owned investments. There are many advantages to holding directly owned assets... by Carmen Emsley http://e-articles.info/e/a/title/PROS-AND-CONS-OF-DIRECTLY-OWNED-ASSETS/ http://e-articles.info/e/a/title/PROS-AND-CONS-OF-DIRECTLY-OWNED-ASSETS/ Wed, 21 Mar 2007 06:31:30 GMT There are a number of different types of bonds that you can invest in that will give you taxfree returns and interest. The first type is government securities, such as Treasury bills, notes, and bonds. These equities are fully taxable for federal tax purposes, but are tax-free from state and local taxes... by Didier Benini http://e-articles.info/e/a/title/What-are-Tax-Free-Investments/ http://e-articles.info/e/a/title/What-are-Tax-Free-Investments/ Thu, 15 Mar 2007 07:39:35 GMT When people think of speculative ventures, they generally form an unfavorable opinion. But these same people have a favorable opinion of investing. Nowadays, the line between investing and speculating isn’t so clear-cut... by Carmen Emsley http://e-articles.info/e/a/title/INVESTING-VERSUS-SPECULATING/ http://e-articles.info/e/a/title/INVESTING-VERSUS-SPECULATING/ Wed, 14 Mar 2007 08:47:40 GMT The return on capital (a.k.a... by Andy Jenkan http://e-articles.info/e/a/title/What-is-the-Return-on-Capital-(ROC)/ http://e-articles.info/e/a/title/What-is-the-Return-on-Capital-(ROC)/ Sat, 10 Mar 2007 09:55:45 GMT EBITDA stands for earnings before interest, taxes, depreciation and amortization. EBITDA offers an alternative to operating cash flow for evaluating a company’s performance. EBITDA is similar in purpose to OCF in that it attempts to describe the actual cash generated by a company’s main business, but it is calculated differently... by Linda Hoole http://e-articles.info/e/a/title/EBITDA-vs.-Operating-Cash-Flow/ http://e-articles.info/e/a/title/EBITDA-vs.-Operating-Cash-Flow/ Tue, 06 Mar 2007 10:23:50 GMT Tax-advantaged, or qualified, plans include qualified retirement plans (i.e., 401(k)s), traditional IRAs, variable annuities, and variable life insurance policies and the like... by Carmen Emsley http://e-articles.info/e/a/title/PROS-AND-CONS-OF-TAX-ADVANTAGED-PLANS/ http://e-articles.info/e/a/title/PROS-AND-CONS-OF-TAX-ADVANTAGED-PLANS/ Tue, 06 Mar 2007 11:31:55 GMT The main difference between the sale of shares by shareholders (a "secondary offering")—a transaction to which the company is not a party—and raising capital for the company (i.e., importing money into the company) is that in the latter case the company allots new shares to investors (i... by Peter Kolle http://e-articles.info/e/a/title/Sale-of-Shares-by-Shareholders-Versus-Investments/ http://e-articles.info/e/a/title/Sale-of-Shares-by-Shareholders-Versus-Investments/ Sat, 13 Jan 2007 12:39:15 GMT This section focuses on the process of raising venture capital from institutional sources or from organized angels. Investments made in the earlier stages (by family, friends, and small private investors) are not characterized by an orderly structure. Capital may be raised from institutional sources or from angel associations after the company is established and the business organization for raising capital is completed (including the business plan)... by Peter Kolle http://e-articles.info/e/a/title/The-Process-of-Raising-Venture-Capital/ http://e-articles.info/e/a/title/The-Process-of-Raising-Venture-Capital/ Tue, 09 Jan 2007 13:47:20 GMT Investors who analyze the company can better judge the value of the stock and profit from buying and selling it. Your greatest asset in stock investing is knowledge (and a little common sense). To succeed in the world of stock investing, keep in mind these key success factors: Analyze yourself... by Linda Hoole http://e-articles.info/e/a/title/Key-success-factors-and-investment-skills/ http://e-articles.info/e/a/title/Key-success-factors-and-investment-skills/ Tue, 09 Jan 2007 14:55:25 GMT Financial investors value a firm based on the direct cash flows arising from the investment (e.g., in the form of dividends and capital gains)... by Peter Kolle http://e-articles.info/e/a/title/Value-to-Investors-or-Strategic-Investors-and-Buyers/ http://e-articles.info/e/a/title/Value-to-Investors-or-Strategic-Investors-and-Buyers/ Sun, 07 Jan 2007 15:23:30 GMT Simultaneously with the due diligence process, the parties' legal representatives conduct negotiations for the conclusive investment agreement. The investment agreement is an agreement for the sale of shares in the company to the investors in consideration for a certain amount of money (the investment). Although the transaction appears to be a simple one (ostensibly nothing more than the sale of an asset for money, a transaction commonly made for thousands of years), an agreement for an investment in a startup company is a complex legal document which regulates many issues concerning the investment itself, and the future relationship between the company and the investors and often also with other entities such as employees, directors, and previous investors... by Peter Kolle http://e-articles.info/e/a/title/Investment-Agreements/ http://e-articles.info/e/a/title/Investment-Agreements/ Thu, 04 Jan 2007 16:31:35 GMT Securities offerings are governed by the Securities Act of 1933 and rules thereunder. The relevant rules, with respect to a private offering of a startup, are those related to exemption from registration. Legal Restrictions According to U... by Peter Kolle http://e-articles.info/e/a/title/Legal-Restrictions-on-Raising-Private-Capital/ http://e-articles.info/e/a/title/Legal-Restrictions-on-Raising-Private-Capital/ Wed, 03 Jan 2007 17:39:40 GMT Your investing style isn’t a blue-jeans-versus-three-piece-suit debate. It refers to your approach to stock investing. Do you want to be conservative or aggressive? Would you rather be the tortoise or the hare? Your investment personality greatly depends on your purpose and the term over which you’re planning to invest... by Linda Hoole http://e-articles.info/e/a/title/The-most-general-investment-styles/ http://e-articles.info/e/a/title/The-most-general-investment-styles/ Wed, 03 Jan 2007 18:47:45 GMT Rising and falling interest rates offer a special risk to stock investors. Historically, rising interest rates have had an adverse effect on stock prices.Hurting a company’s financial conditionRising interest rates have a negative impact on companies that carry a large current debt load or that need to take on more debt because when interest rates rise, the cost of borrowing money rises, too... by Mark Callahan http://e-articles.info/e/a/title/The-adverse-effects-of-rising-interest-rates/ http://e-articles.info/e/a/title/The-adverse-effects-of-rising-interest-rates/ Sat, 30 Dec 2006 19:55:50 GMT Underlying this method is the desire to project the company's value based not on a forecast of the cash flows it is expected to generate, but rather on an estimate of the company's terminal value (TV) at the time of exit, which is the number regarded as relevant for the investors. The present value of the company is subsequently calculated. The result is the present value of the company after the investment (i... by Peter Kolle http://e-articles.info/e/a/title/The-Venture-Capital-Method/ http://e-articles.info/e/a/title/The-Venture-Capital-Method/ Mon, 11 Dec 2006 20:23:55 GMT Psssst. Have I got a stock tip for you! Come closer. You know what it is? Research! What I’m trying to tell you is to never automatically invest just because you get a hot tip from someone... by Linda Hoole http://e-articles.info/e/a/title/Tips-for-evaluating-(avoiding)-stock-investment/ http://e-articles.info/e/a/title/Tips-for-evaluating-(avoiding)-stock-investment/ Wed, 29 Nov 2006 21:31:15 GMT Bonds play an important role in asset allocation because they can provide a level of stability to an investor’s portfolio. No wealthy person has become rich, and stayed rich, without some type of bond in his or her portfolio. Bonds, cash investments, and real estate are the cement in a portfolio... by Bonnie Stewart http://e-articles.info/e/a/title/WHY-BONDS-CASH-AND-REITS-ARE-IMPORTANT/ http://e-articles.info/e/a/title/WHY-BONDS-CASH-AND-REITS-ARE-IMPORTANT/ Sun, 12 Nov 2006 22:39:20 GMT An investment is an exposure of cash that has the objective of producing cash inflows in the future. The worthiness of an investment is measured by how much cash the investment is expected to generate. The analysis of return on investment is a financial forecasting tool that assists the business manager in evaluating whether a proposed investment opportunity is worthwhile within the context of the company’s business objectives and financial constraints... by Jean Bonnette http://e-articles.info/e/a/title/What-factors-to-consider-when-analyzing-Investments/ http://e-articles.info/e/a/title/What-factors-to-consider-when-analyzing-Investments/ Wed, 20 Sep 2006 23:47:25 GMT The gyrations of the market over the last five years have dampened many investors’ hopes of easy riches. According to The New York Times, investing isn’t the popular hobby it once was; personal finance magazine subscrip tions are down; and the number of investment clubs has declined from a peak of 37,000 clubs in 1998 to 21,000 as of June 2004. In a recent survey of 1,100 people who own stocks and mutual funds, the National Association of Investors Corporation (www... by Dean Sellington http://e-articles.info/e/a/title/Why-and-How-to-Manage-Your-Investments/ http://e-articles.info/e/a/title/Why-and-How-to-Manage-Your-Investments/ Mon, 14 Aug 2006 01:55:30 GMT Measuring portfolio performance is often difficult. For example, suppose that you invest $2,000 in a mutual fund that returns 15 percent in the first quarter of the year. In each of the next three quarters, you invest $2,000, but the fund doesn’t provide any returns during those months... by Dean Sellington http://e-articles.info/e/a/title/Measuring-Investment-Performance-~-Keeping-the-Winners-and-Selling-the-Losers/ http://e-articles.info/e/a/title/Measuring-Investment-Performance-~-Keeping-the-Winners-and-Selling-the-Losers/ Mon, 14 Aug 2006 02:23:35 GMT You can choose from many types of foreign funds to achieve the type of diversification, as well as professional management, that you want. Foreign fund managers are veterans in investing overseas and are prepared to handle the administrative problems that you, as an individual investor, don’t have the time or expertise to deal with. Keep in mind that these managers can’t guarantee you supernormal returns, but they can assist you in avoiding investing blunders or costly mistakes... by Syed Shirazy http://e-articles.info/e/a/title/Diversification-through-foreign-funds/ http://e-articles.info/e/a/title/Diversification-through-foreign-funds/ Fri, 11 Aug 2006 03:31:40 GMT Historically, small companies have had a difficult time finding capital to expand their businesses. Traditional lenders are frequently unwilling to take risks with untried companies. Venture capitalists negotiate tough deals that often force company founders out of key management roles... by Jack Travers http://e-articles.info/e/a/title/Be-Your-Own-Broker-with-Direct-Public-Offerings-(DPOs)/ http://e-articles.info/e/a/title/Be-Your-Own-Broker-with-Direct-Public-Offerings-(DPOs)/ Thu, 10 Aug 2006 04:39:45 GMT In this article, I discuss the beginnings of the investment process. Selecting securities isn’t the first thing investors do; choosing investments is just one of many elements in the process. The following checklist outlines how you can build a successful investment plan that meets your individual needs and goals: Setting realistic expectations When you start your investment program, don’t expect to become a millionaire overnight... by Jack Travers http://e-articles.info/e/a/title/How-To-Build-Your-Personalized-Investment-Plan/ http://e-articles.info/e/a/title/How-To-Build-Your-Personalized-Investment-Plan/ Fri, 04 Aug 2006 05:47:50 GMT Investments provide opportunities to make money in both a bull market (that is, an up market) and a bear (down) market. No one ever knows for certain whether the market will go up or down, but investors can develop an information system to watch indicators for potential price changes and investment opportunities. This article introduces the elements you can use for building an online investment information system that meets your specific needs... by Syed Shirazy http://e-articles.info/e/a/title/Investments-~-How-to-build-my-own-online-information-system/ http://e-articles.info/e/a/title/Investments-~-How-to-build-my-own-online-information-system/ Thu, 03 Aug 2006 06:55:55 GMT If an investor is to realize the required yield on an investment ina coupon bond, then he/she must be able to invest all of the coupon payments atthat same yield as well. This yield is called yield to maturity, which refers to the percentage rate of returnpaid on a bond if the investor buys and holds it to its maturity date. If thecoupon payments arrive when yields are lower, then they can only be invested atlower rates... by Julio Tere http://e-articles.info/e/a/title/The-factors-that-affect-the-reinvestment-risk-of-a-security/ http://e-articles.info/e/a/title/The-factors-that-affect-the-reinvestment-risk-of-a-security/ Thu, 03 Aug 2006 07:23:15 GMT Traditional brokers recommend the order specifications for your stock transactions and confirm that your transactions were completed. (An order is a request to buy or sell a specified amount of a certain security or commodity at a specified price or at the market price.) Specifying security execution orders is one of the expert services that brokers use to justify their fees... by Clara Mikeri http://e-articles.info/e/a/title/Increasing-Profits-with-Simple-Order-Specification-Techniques/ http://e-articles.info/e/a/title/Increasing-Profits-with-Simple-Order-Specification-Techniques/ Tue, 01 Aug 2006 08:31:20 GMT Companies often use their annual reports to attract new investors; you can guess that these reports contain some marketing fluff and exaggerations. Most of this embellishment is self-evident. Analyzing a company with a calculator, paper, and pencil will take you about an hour, and the results of this examination can help you make sound investment decisions... by Starcy Dobrovich http://e-articles.info/e/a/title/General-Criteria-when-Analyzing-a-Financial-Statement/ http://e-articles.info/e/a/title/General-Criteria-when-Analyzing-a-Financial-Statement/ Tue, 01 Aug 2006 09:39:25 GMT Many people find it difficult to shake off the notion that if they’re not wealthy, they don’t need to do any financial planning. Stock market volatility, inflation, changing interest rates, unemployment, illness, and hard times are part of life. To do no financial planning or to let others (your spouse, employer, broker, or financial advisor) do all your planning is to flirt with disaster... by Jack Travers http://e-articles.info/e/a/title/Using-the-Internet-to-Make-Financial-Planning-Easier/ http://e-articles.info/e/a/title/Using-the-Internet-to-Make-Financial-Planning-Easier/ Sun, 30 Jul 2006 10:47:30 GMT An individual retirement account (IRA) is one of the best ways you can accumulate something to invest because making contributions and earnings is often tax-free. An IRA must be established with a financial institution that has received Internal Revenue Service (IRS) approval to offer IRAs. These financial institutions include banks, brokerages, federally insured credit unions, and savings and loan associations... by Jack Travers http://e-articles.info/e/a/title/Maximizing-Your-Investments-with-Tax-Deferred-Accounts/ http://e-articles.info/e/a/title/Maximizing-Your-Investments-with-Tax-Deferred-Accounts/ Sun, 30 Jul 2006 11:55:35 GMT Every online investor has his or her own research system for investigating investment candidates. What makes any system work is that it's repeatable, and it ensures that you don't make investment decisions based on emotional factors. The following guidelines can assist you in turning your hunches into investment strategies... by Syed Shirazy http://e-articles.info/e/a/title/Turning-Your-Hunches-into-Investment-Strategies/ http://e-articles.info/e/a/title/Turning-Your-Hunches-into-Investment-Strategies/ Sun, 30 Jul 2006 12:23:40 GMT Online investors have their choice of searching free or fee-based online databases. One advantage of both types of databases is that they’re constantly open. That is, you can access them 24 hours a day, 7 days a week... by Syed Shirazy http://e-articles.info/e/a/title/Using-Free-and-Fee-Based-Online-Investor-Databases/ http://e-articles.info/e/a/title/Using-Free-and-Fee-Based-Online-Investor-Databases/ Fri, 28 Jul 2006 13:31:45 GMT Search engines are commercial enterprises that collect and index Web pages or Web page titles. You can use them to help you sift through all the Web pages out there so that you can find the information you need. Some of these enterprises review the sites they collect, and others provide site information unfiltered and unedited... by Syed Shirazy http://e-articles.info/e/a/title/How-to-Set-Up-a-Basic-Investment-Search-Strategy/ http://e-articles.info/e/a/title/How-to-Set-Up-a-Basic-Investment-Search-Strategy/ Tue, 25 Jul 2006 14:39:50 GMT The Financial Services Modernization Act of 1999 allowed banks and brokerages to offer a full menu of financial products and services. This deregulation, among other things, means that your brokerage can offer you the same products and services as your bank, including having your accounts insured by the Federal Deposit Insurance Corporation (FDIC). Combining your bank and brokerage can reduce the amount of fees you have to pay and the time you spend online monitoring your accounts... by Jack Travers http://e-articles.info/e/a/title/Checking-Out-Hybrid-Online-Banks-and-Brokerages/ http://e-articles.info/e/a/title/Checking-Out-Hybrid-Online-Banks-and-Brokerages/ Tue, 25 Jul 2006 15:47:55 GMT In addition to bonds, banks and savings and loan associations have developed new ways of keeping customer assets in their financial institutions. They often offer a variety of investment plans that provide higher returns than traditional fixed-rate savings accounts. For example, many savings and loan associations allow their customers to invest in commercial paper  (uninsured promissory notes to large business entities) instead of certificates of deposit (an insured type of time deposit)... by Jack Travers http://e-articles.info/e/a/title/How-Small-Investors-Can-Make-Money-with-Fixed-Income-Investments-and-Bonds/ http://e-articles.info/e/a/title/How-Small-Investors-Can-Make-Money-with-Fixed-Income-Investments-and-Bonds/ Tue, 25 Jul 2006 16:55:15 GMT Today, many mainstream full-service and online brokerages offer active and hyperactive investors special software, amenities, and low trading fees. Active investors are often defined as individuals who place at least 36 stock, bond, or option trades per year and have $25,000 or more in assets. Some of the special services these investors receive are Multiple order-entry screens that enable active investors to send many trades with just one click of the mouse Low trading fees that are often a fraction of the brokerages’ normal rates Access to IPO information for investors with high balances in their trading accounts Access to knowledgeable representatives to discuss margin buying, short selling, complex options strategies, and day-to-day operations of various markets Customizable software that makes the active investor’s workstation fit his or her specific needs Special technology, such as real-time streaming quotes and Level II NASDAQ quotes Most investors are familiar with Level I quotes... by Clara Mikeri http://e-articles.info/e/a/title/Online-Trading-and-the-Active-Investor/ http://e-articles.info/e/a/title/Online-Trading-and-the-Active-Investor/ Fri, 21 Jul 2006 17:23:20 GMT