How To Make a Fortune in Investments
By: Lil Waldner
People work and save a part of their salaries. They try to make more money out of their savings. Some of them try to achieve more: They want make a fortune and change their life. How can you make a fortune out of your money?
With a New Business Idea
The most promising way is to develop a new business idea. Young scientists or professionals detect a problem. They do a lot of research in order to find a solution. They develop a new product or service. If they are lucky, they meet a demand on the market. They bring their innovation to the market. This is a long way that can last years. Entrepreneurs as innovators need all their savings in order to realize their business idea. They have to spend hundreds of thousands of Dollars from their savings. They even need to acquire more investment funds from other people.
By Funding of a New Business Idea
Not everyone is able to develop something new that is promising for making a fortune. They can finance others, if they feel confident in their marketing strategy and their dedication to work. Some of this people are acquinted with pioneering entrepreneurs. They act as so called “family, friends, fools” network. They invest in the hope to get their money back. They can benefit great, if they are lucky.
As Professional Venture Capitalists
Some people can use their assets in order to work as professional venture capitalists. Some of them have experience in building up of a new business. They act as business angels and provide young entrepreneurs with both: investment capital as well as advice. They usually maintain a good network to universities, research centres and startup contact centres. They try to choose among the best ventures. A lot of skills and the ability to risk own funds are needed to do this job.
By Trading from Home
People with experience in the financial markets can trade on the stock and options markets from home. There are a lot of opportunities and software programs for day trading on stock markets and for investments in futures and options. This is a highly risky business.
For People Who Prefer Resting on a Safe Pillow
Most of the people want to sleep well on a safe pillow. They have family duties and they may not risk their savings. They are well off by investing in their own home as real estate. They further invest some remaining savings in a basket of bonds and shares of high quality and a small portion in private equity funds. They do not get rich, but they can prepare for their old days or needed extra expenses.
You May Draw a Comparison:
It’s possible to multiply the invested capital ten or hundred times or more as business innovator, business angel or venture capitalist. Otherwise all the funds can be lost in a venture. A professional trader who invests from his computer from home on the financial markets can make or lose a lot of money. This people do this kind of job usually only during a few years, because it is highly hectic. They withdraw from trading because they either have lost all their money or because they are saturated. The cautious investor who prefers a quiet life achieves a yearly performance of 3% to 6% a year for bonds, of 5 % to 10% for shares. If a young person of 25 years reinvests the yearly revenues of a start capital of $10,000, she or he can accumulate a fortune of $43,219 in the age of 55 just with bonds of 5% interest yearly.
Read also:
Guide to money clubs or investment clubs
Real Estate Investment
Real Estate, Luxury or Investment
Investment Basic
Thursday, April 16, 2009
Money clubs or investment clubs
Guide to money clubs or investment clubs
By: Mansi gupta
A money club is a great place for people to get together and share thoughts, ideas and goals about money, planning, finance. Here people learn about finances and ways to reach ones financial goals. Friends in the money club provide encouragement that each member needs to succeed.
This is one major reason why money clubs have picked up significant momentum since their inception a couple of years ago. Their aim is not to evaluate price/earnings ratios, but to help members navigate pricky personal finance dilemmas.
In a time of economic unease, by joining a money club people can establish and follow through their personal financial goals, which may include improving money management, increasing ones savings for retirement, spending intelligently, saving for children’s education, diversifying portfolio, curbing debt and advancing estate planning or buying a home etc.
In order to have a successful club take certain precautions
A new investment club must have a solid structure to ensure the club's agenda is carried out efficiently and without friction with legal agreements and bylaws in case the club invests jointly in order to avoid any unscrupulous person joining the club. make sure that the number of members is such that it is not too much to find a meeting place and also this would mean a higher retention and too much management would not be required.
An investment club must have a clear way of determining each member's share at a given point in time as members are likely to contribute funds on a periodic basis, and may intend to withdraw funds from their share of the club's assets at some time in the future.
Make sure that all members equally share the work. Pick a leader or rotate leadership. Stay organized. Help the members to learn and polish their stock researching capabilities, this way all the members can contribute.
There should be regular guest speakers and field trips so that the club members are able to sustain their interest instead of sticking to the same routine.
Meeting should be once a month since more of the meeting would be a burden for some people and if it is less than people would gradually loose interest. The meeting should be regular with time and venue set. Changing venues could be inconvenient for people and can derail them from their focus and subsequently lessen their zeal to attend.
Make sure that the members are performing correct maths. This will not happen if careful attention to paid to club accounting system. The National Association of Investors Corp. (NAIC) offers instructions and software on how to keep track of contributions and gains.
When looking for members of the club, one can select friends, coworker or search internet in order to make sure members have similar interest, goals and backgrounds for them to understand each other and contribute accordingly.
When a member attains a financial goal, it should be celebrated with adequate prize or gift certificate. This would drive competition and thereby encourage everyone to do well.
Read also:
Real Estate Investment
Real Estate, Luxury or Investment
Investment Basic
By: Mansi gupta
A money club is a great place for people to get together and share thoughts, ideas and goals about money, planning, finance. Here people learn about finances and ways to reach ones financial goals. Friends in the money club provide encouragement that each member needs to succeed.
This is one major reason why money clubs have picked up significant momentum since their inception a couple of years ago. Their aim is not to evaluate price/earnings ratios, but to help members navigate pricky personal finance dilemmas.
In a time of economic unease, by joining a money club people can establish and follow through their personal financial goals, which may include improving money management, increasing ones savings for retirement, spending intelligently, saving for children’s education, diversifying portfolio, curbing debt and advancing estate planning or buying a home etc.
In order to have a successful club take certain precautions
A new investment club must have a solid structure to ensure the club's agenda is carried out efficiently and without friction with legal agreements and bylaws in case the club invests jointly in order to avoid any unscrupulous person joining the club. make sure that the number of members is such that it is not too much to find a meeting place and also this would mean a higher retention and too much management would not be required.
An investment club must have a clear way of determining each member's share at a given point in time as members are likely to contribute funds on a periodic basis, and may intend to withdraw funds from their share of the club's assets at some time in the future.
Make sure that all members equally share the work. Pick a leader or rotate leadership. Stay organized. Help the members to learn and polish their stock researching capabilities, this way all the members can contribute.
There should be regular guest speakers and field trips so that the club members are able to sustain their interest instead of sticking to the same routine.
Meeting should be once a month since more of the meeting would be a burden for some people and if it is less than people would gradually loose interest. The meeting should be regular with time and venue set. Changing venues could be inconvenient for people and can derail them from their focus and subsequently lessen their zeal to attend.
Make sure that the members are performing correct maths. This will not happen if careful attention to paid to club accounting system. The National Association of Investors Corp. (NAIC) offers instructions and software on how to keep track of contributions and gains.
When looking for members of the club, one can select friends, coworker or search internet in order to make sure members have similar interest, goals and backgrounds for them to understand each other and contribute accordingly.
When a member attains a financial goal, it should be celebrated with adequate prize or gift certificate. This would drive competition and thereby encourage everyone to do well.
Read also:
Real Estate Investment
Real Estate, Luxury or Investment
Investment Basic
Real Estate Investment
Finding the Best Real Estate Investment
By: Clive Green
Investment-minded people study every investment opportunity from its ups and downs. They take into consideration every factor that can affect their investment returns. These people study many kinds of investments. There are banking investment, prospected business ventures, stock market, and real estate. Every investment calls for every need of a certain individual. Banking investment caters to the need for savings, business and stock market is for fund accumulation and real estate for property appraisal. Each of this business has its corresponding risks attached to it, but this depends on the investor on how he can handle these risks. In most business, real estate investment has the lowest risk of losing.
Real estate investment is known as a solid investment choice the world round. People prefer to invest in real estate properties because of their capacity to increase their appraised value after a certain period of time. Another advantage of this type of investment is that the money of the investor is secured. Secured in the sense that it cannot be easily stolen from him because there is a property title with his name attached to it. Most successful business people have invested a lot in real properties because of their security and because they can generate a higher return in a typically shorter period.
People who are willing to put their money in this kind of investment usually research which real estate investment is preferable. Many factors can influence the appraisal and the price of a certain property. It can be based on its type (ex. Agricultural, residential, commercial, etc), it can be on its location, its amenities, or be based on its development. The more developed the property is, the higher its appraised value.
Investors use different approaches in finding the best investment. Some invest in a highly developed place for the reason that the appraised value of such a location could increase in a shorter period of time. But this investment can cost the investor a lot of money. Others would do the opposite. They would go for the less developed location and get it for a lower price. After that, they would develop it themselves by putting additional amenities in the said location. This can trigger an increase in the property’s value. Investors’ approaches in finding the best investment for depends on their strategies and their studies and on how capable they are at managing risk.
Read also:
Real Estate, Luxury or Investment
Investment Basic
By: Clive Green
Investment-minded people study every investment opportunity from its ups and downs. They take into consideration every factor that can affect their investment returns. These people study many kinds of investments. There are banking investment, prospected business ventures, stock market, and real estate. Every investment calls for every need of a certain individual. Banking investment caters to the need for savings, business and stock market is for fund accumulation and real estate for property appraisal. Each of this business has its corresponding risks attached to it, but this depends on the investor on how he can handle these risks. In most business, real estate investment has the lowest risk of losing.
Real estate investment is known as a solid investment choice the world round. People prefer to invest in real estate properties because of their capacity to increase their appraised value after a certain period of time. Another advantage of this type of investment is that the money of the investor is secured. Secured in the sense that it cannot be easily stolen from him because there is a property title with his name attached to it. Most successful business people have invested a lot in real properties because of their security and because they can generate a higher return in a typically shorter period.
People who are willing to put their money in this kind of investment usually research which real estate investment is preferable. Many factors can influence the appraisal and the price of a certain property. It can be based on its type (ex. Agricultural, residential, commercial, etc), it can be on its location, its amenities, or be based on its development. The more developed the property is, the higher its appraised value.
Investors use different approaches in finding the best investment. Some invest in a highly developed place for the reason that the appraised value of such a location could increase in a shorter period of time. But this investment can cost the investor a lot of money. Others would do the opposite. They would go for the less developed location and get it for a lower price. After that, they would develop it themselves by putting additional amenities in the said location. This can trigger an increase in the property’s value. Investors’ approaches in finding the best investment for depends on their strategies and their studies and on how capable they are at managing risk.
Read also:
Real Estate, Luxury or Investment
Investment Basic
Wednesday, April 8, 2009
Real Estate
Real Estate: Luxury or Investment?
By: Clive Green
Some people that are very rich, that belong in the upper-upper level of society, don’t know how to use their money and resources properly. Some of them go gambling and overspend on their vices and other unnecessary things. They don’t see the need for money because they believe that they have such a surplus of wealth that they have enough to supply their every need and want forevermore.
But some people find a much better way of spending their money. Some invest in other business ventures aside from what they have. Others donate some amount to charitable institutions and help other people that are in need. There are also people that would invest in jewelry and other luxurious things. And some would invest in real estate.
Many individuals prefer to invest in real estate because of its capacity to increase its value in a certain number of years. But how can we consider this investment? Is it a luxury or an investment? Real estate can be considered a luxury if you have over-invested in this kind of product. Over-investment in a certain product is not a good investment strategy. One thing that you should consider is the tax requirement for these properties. It can cost you a lot of money just paying for taxes.
The only reason that people invest so much in this is that it makes them to feel secured for their future times. They consider that, in the future, the cost of their investment will have a greater return. But the sad part is they don’t know that they are only giving a heavy tax burden to their family after their death. Their family will shoulder the payment for the estate tax and other taxes for these properties.
It can only be considered an investment if you have control of this kind of product. These properties can provide you a greater return, but only after the proper planning. Investment in real estate should not be over-used.
It is a good investment, but if you don’t have proper estate planning, you will end up paying far higher taxes than you expect.
For some information about real estate go to: http://www.utahrealestatehelp.com. Real estate can be a luxury and an investment. The only thing that you should keep in mind is to plan and determine the benefit that you can gain from this investment.
See also:
Investment Basic
By: Clive Green
Some people that are very rich, that belong in the upper-upper level of society, don’t know how to use their money and resources properly. Some of them go gambling and overspend on their vices and other unnecessary things. They don’t see the need for money because they believe that they have such a surplus of wealth that they have enough to supply their every need and want forevermore.
But some people find a much better way of spending their money. Some invest in other business ventures aside from what they have. Others donate some amount to charitable institutions and help other people that are in need. There are also people that would invest in jewelry and other luxurious things. And some would invest in real estate.
Many individuals prefer to invest in real estate because of its capacity to increase its value in a certain number of years. But how can we consider this investment? Is it a luxury or an investment? Real estate can be considered a luxury if you have over-invested in this kind of product. Over-investment in a certain product is not a good investment strategy. One thing that you should consider is the tax requirement for these properties. It can cost you a lot of money just paying for taxes.
The only reason that people invest so much in this is that it makes them to feel secured for their future times. They consider that, in the future, the cost of their investment will have a greater return. But the sad part is they don’t know that they are only giving a heavy tax burden to their family after their death. Their family will shoulder the payment for the estate tax and other taxes for these properties.
It can only be considered an investment if you have control of this kind of product. These properties can provide you a greater return, but only after the proper planning. Investment in real estate should not be over-used.
It is a good investment, but if you don’t have proper estate planning, you will end up paying far higher taxes than you expect.
For some information about real estate go to: http://www.utahrealestatehelp.com. Real estate can be a luxury and an investment. The only thing that you should keep in mind is to plan and determine the benefit that you can gain from this investment.
See also:
Investment Basic
Investment Basics
Investment Basics: Don't forget about bonds
By: Tony Reed
You should consider investing in bonds for both income and stability. In any given year equity markets could appreciate in value by 30 to 40 percent or decline in value by the same amount. Bonds fluctuate far less. Bonds also pay interest on a regular basis and thus investors will receive a cheque each month or quarter.
As with any investment, it is easy to get lost in the minutiae and with bonds the details come from some of the arithmetical calculations that determine the yields, returns, and risk of a bond. Here are the basics. Bonds offer a fixed amount of interest (the coupon rate), until a fixed period of time (the maturity date) at which point the denomination, also called the face value, is repaid and the interest payments stop. Bonds are issued by the federal, provincial, and municipal governments, and by a wide variety of corporations.
In general, corporations have to offer higher coupon rates to sell their bonds. Maturity dates range from 1 year to more than 30 years, with higher coupon rates being associated with longer periods to maturity, to compensate for increased risk. Long-term bonds tend to rise and fall in price more dramatically than do short term bonds; these bonds are more susceptible to movements in interest rates. In addition, bonds that provide higher coupon payments will fluctuate less than bonds that pay lower coupon payments. Staggering the maturity dates of bonds, which mixes bonds with short, medium, and longer periods to maturity, as well as mixing the institutions issuing those bonds (to include governments and some corporate bonds) will allow you to build a diversified bond portfolio).
Bond trading is done between dealers, which means that you won't be able to view a complete auction market and its available quotes via the internet or even the newspaper. These same dealers will be able to supply accurate calculations of bond yields and the current price. Investors who invest in bonds directly as opposed to investing in bonds through a mutual fund will save on fee; saving 1/2 of one percent can make a big difference to your net worth. Investors who want diversification and active management could consider a bond mutual fund.
By: Tony Reed
You should consider investing in bonds for both income and stability. In any given year equity markets could appreciate in value by 30 to 40 percent or decline in value by the same amount. Bonds fluctuate far less. Bonds also pay interest on a regular basis and thus investors will receive a cheque each month or quarter.
As with any investment, it is easy to get lost in the minutiae and with bonds the details come from some of the arithmetical calculations that determine the yields, returns, and risk of a bond. Here are the basics. Bonds offer a fixed amount of interest (the coupon rate), until a fixed period of time (the maturity date) at which point the denomination, also called the face value, is repaid and the interest payments stop. Bonds are issued by the federal, provincial, and municipal governments, and by a wide variety of corporations.
In general, corporations have to offer higher coupon rates to sell their bonds. Maturity dates range from 1 year to more than 30 years, with higher coupon rates being associated with longer periods to maturity, to compensate for increased risk. Long-term bonds tend to rise and fall in price more dramatically than do short term bonds; these bonds are more susceptible to movements in interest rates. In addition, bonds that provide higher coupon payments will fluctuate less than bonds that pay lower coupon payments. Staggering the maturity dates of bonds, which mixes bonds with short, medium, and longer periods to maturity, as well as mixing the institutions issuing those bonds (to include governments and some corporate bonds) will allow you to build a diversified bond portfolio).
Bond trading is done between dealers, which means that you won't be able to view a complete auction market and its available quotes via the internet or even the newspaper. These same dealers will be able to supply accurate calculations of bond yields and the current price. Investors who invest in bonds directly as opposed to investing in bonds through a mutual fund will save on fee; saving 1/2 of one percent can make a big difference to your net worth. Investors who want diversification and active management could consider a bond mutual fund.
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