Investing - How to Profit Using Formulas

A classic Wall Street yarn, concerning a young man who was in the early stages of learning to be a professional speculator goes something like this. The young man had a problem, so he went to an elderly gentleman noted for his shrewd investment judgment, for advice. The young man had taken on quite an extensive line of stocks, but the market looked a bit over-valued and so he was thinking that his positions carried too many risks. He wondered if he shouldn't perhaps sell. He was so worried about it that he was having trouble sleeping.

The old man's advice was simple and direct: "Sell" he said. "Sell back to the sleeping point." Although there is no doubt that this advice smacks of ambiguity, there is a simple wisdom in it. We may safely assume that neither the young man nor his elder adviser knew which way the market was going, but both were aware that the market was sufficiently shaky to cause legitimate worry. Translated into somewhat more orthodox investment terms, the advice meant - Sell enough of your stocks so that a market collapse won't destroy you, but keep enough so that if your fears turn out to be groundless, and the market rises, you'll still profit to some extent - in the meantime, get some sleep.

At first glance, it may seem a bit cynical on the old man's part not to outline for his young disciple an exact and detailed course of action. But he couldn't be honest and at the same time guarantee that he knew exactly what action might turn out to be best. Furthermore, the young man didn't want someone to tell him precisely what to do. All he wanted was some help in easing the pressure and the help he received was clearly sensible.

Investing - How to Profit Using Formulas

How to Find the Sleeping Point

In a real sense, investment formulas are designed to help you in the same way that the old man's advice helped his young friend - they inject an element of caution in your investing when caution seems advisable, they reduce the provision for caution when risks seem relatively low and permit you to benefit when prices rise. In addition, once you incorporate a formula into your investment program, it works more or less automatically, allowing you to sleep nights in the full knowledge that you are continuously hedged against various unforeseen possibilities.

But just as the investment sage left it up to the young man to decide exactly what his "sleeping point" might be, you can select a formula appropriate to your own temperament, financial circumstances and proclivity to insomnia. Any formula can be adjusted to suit the needs and preferences of any investor.

Although formulas are designed to give un-hedged, unambiguous and unbiased indications for action, the investor should not feel that he is surrendering all personal control over his investments when he adopts a formula. The reason behind this logic is clear. It's because each investor selects the formula that will fit his own individual comfort level. A formula doesn't try to tell you what to do - it merely helps you do what you are already doing more profitably. For example, formulas cannot tell you which stocks to buy or currency to trade.

The whole premise of using formulas is based on the fact that those using them are normally quite sophisticated and that they know what kind of investment vehicle they are interested in, how to select them and where to go for advice in their particular area(s) of interest. However, by supplementing their knowledge with considerations of the equally important questions of when to own and in what quantity - formulas can supply a valuable added dimension to their investment results and assist in the management of their portfolio on a more professional level.

Along this same line, it is worth mentioning that although the true purpose of a formula is to supply the investor with an investment policy which is definite in its instructions at all times, you need not feel that you must follow the formula precisely in order to profit from it. You cannot, of course, ignore it altogether if you expect to benefit from it, but you can profitably use it as a touchstone or a general guide without swearing eternal allegiance to its dictates. You might, for example, want to use a formula, but also desire to increase or decrease your risks at various times for a variety of reasons. Your use of the formula will show you how far you are departing from your original plan and will give you a well-ordered program to come back to when you are ready.

This article may be reproduced only in its entirety.

Investing - How to Profit Using Formulas
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Kevin Erickson is a contributing writer to: Forex Trading [http://www.total-forex.com] | Work At Home | Nursing School

Foreclosure Investing - Understand the Right of Redemption

The rate of foreclosures and the potential profits they offer to investors mean that they are likely to remain a popular real estate strategy for the foreseeable future. But there's an old saying, "the devil is in the details"-meaning that even the largest project depends on the success of its smallest components, a fact that is certainly true when it comes to foreclosure investing. One of those details you need to understand and keep in mind is the right of redemption.

The right of redemption is the right of a property owner to redeem his or her real estate from foreclosure by paying the lender the outstanding principal and interest due, plus the lender's costs in foreclosure, or to redeem foreclosed real property from whoever purchased it at the foreclosure sale. The specifics, such as how long the owner has after the property goes to auction, exactly what has to be paid, and even what the process is called, will vary by state.

There are two key reasons why a foreclosure investor needs to be familiar with the right of redemption. One is that you need to know when you buy a property at auction whether or not the owner can get the property back if he somehow comes up with sufficient funds (typically the outstanding balance, accrued interest, late fees and costs). The second is that you may be able to buy the redemption rights whether or not you actually buy the property.

Foreclosure Investing - Understand the Right of Redemption

Protecting your investment

In states that provide the right of redemption after the foreclosure auction, you want to be sure you're not going to be faced with a situation where you buy the property, spend time and money fixing it up and putting it on the market, then have the owner (or another investor who has purchased the redemption rights) take the property and your potential profits away from you.

The redemption period is set by state law and typically ends at some point before the sale or up to a year after the sale. If the redemption period in your state ends before or at the sale and you buy the property at auction, this shouldn't be an issue. But if the owner has weeks, months, or even up to a year or more after the auction to redeem the property, you have a level of uncertainty that most investors would find unacceptable. Most people who lose a house in foreclosure aren't likely to have the means to redeem it later, but circumstances can change and financial windfalls do happen. Also, because most of the secondary liens are wiped out with the foreclosure, it's possible that the owner could put himself in a better financial position by waiting until after the foreclosure to redeem the property rather than trying to pay those debts and stop the foreclosure.

The solution is, when possible, to buy the redemption rights from the owner, either shortly before or shortly after you purchase the property at auction, at a price you are free to negotiate. Typically redemption rights are sold for amounts ranging from a few hundred to a few thousand dollars. In most cases, an owner facing foreclosure who sees no realistic way to either avoid the foreclosure or recover the property afterward will be happy to sell rights he never expects to use.

Acquire property through redemption rights

Another strategy to consider is to use redemption rights as a way to purchase property after foreclosure. The potential effectiveness of this technique will depend on state law-the redemption period needs to extend beyond the foreclosure sale-but this is how it might work: The redemption price is determined by a statutory formula and may be less than the property's fair market value or the total preforeclosure debt on the property. Let's say the fair market value of the property is 0,000. The property has a first mortgage of 0,000, a second mortgage of ,000, and a mechanic's lien for ,000. The lender in the first mortgage position is foreclosing. At foreclosure, the second mortgage and mechanic's lien may be wiped out. The person holding the right of redemption could exercise that right after the foreclosure sale and pay the redemption price, which would likely be 0,000 plus interest, late fees, and costs. Even if the interest, fees, and costs totaled ,000 to ,000, the purchaser is getting the property for far less than fair market value.

If you're going to use this strategy, it's a good idea to have your financing in place and have any title issues resolved before exercising the redemption right.

To get more information on the laws regarding the right of redemption in your state, start by calling your county courthouse and talking to someone who handles foreclosures.

Foreclosure Investing - Understand the Right of Redemption
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Jacquelyn Lynn (http://www.jacquelynlynn.com) is a business writer based in Orlando, Florida, and the author of more than 20 books, including Entrepreneur's Almanac (Entrepreneur Press Nov. 2007); Online Shopper's Survival Guide and co-author of Make Big Profits on eBay (with Charlene Davis) and In Search of the Five Cent Nickel with Don Abbott. She is also the host and executive producer of Doing It Right Radio® (http://www.doingitrightradio.com).

No Money Down Apartment Investing - Overcoming the Down Payment Hurdle When Buying Apartments

There are numerous considerations involved when buying commercial apartment buildings, but the primary consideration is to find one that is profitable. While this may sound like a no-brainer, too many investors fail to realize the cost of apartment ownership is affected by the rent income not meeting the expenses of the property. Calculating the cost of the down payment, monthly payments for principal and interest and maintenance are only part of the calculation to determine if the property is profitable at the asking price.

Many first-time investors look only at the prospect of simply raising the rent to make up the difference but fail to consider if the current tenants will accept this increase by a new owner. Before heading into the financial marketplace, the investor will need to consider all of the variables in the cost of ownership before seeking financing.

Nearly every commercial lender will require 20 percent involvement by any new owner and most experienced investors will have the liquid assets to take advantage of a good real estate deal.

No Money Down Apartment Investing - Overcoming the Down Payment Hurdle When Buying Apartments

If the prospective investor is planning to buy an apartment building and undertake a major reconstruction project to improve its value, there will be a whole new set of requirements by the bank, along with a lot of extra paperwork before the lender will consider approving the loan. However, consider the bank has approved the loan on the pretext the buyer can come up with the required 20 percent down payment.

No Money Down Apartment Building Buying Strategies Explained

Unfortunately, many new apartment building buyers are unaware of the creative financing possibilities that will allow for the purchase of an apartment complex with no money down. It is possible to take ownership of many rental apartments without having the entire 20 percent coming from the new buyer.

There are some options available when it comes to raising the capital needed to make this type investment, but remember the 20 percent down will be based on the purchase price and not what the property is worth or what the new buyer claims it to be worth.

Some of the options include borrowing money from friends and family to come up with the required cash, seek the help of the current owner to back the needed money for the down payment or form a limited partnership, offering shares in the rental property to those willing to invest in the purchase.

The first two options are somewhat self-explanatory, as borrowing from friends, family to the current owner will usually involve specific monthly payments, akin to taking out a second mortgage to pay the down payment, while a limited partnership can raise the money without giving up total control of the unit.

Using a Limited Partnership to Buy Apartment Buildings with No Money Out of Your Pocket

It is recommended that any partnership agreement be forged by an experienced real estate attorney to insure the investors are protected and that the agreement meets all state and federal laws surrounding such agreements. One general partner, who will have some executive powers over the state of the property and any decisions pertaining to its operation, will need to be in place. Other limited partnerships can be sold to other investors and, based on the percentage of their investment, can receive a return on their investment either on a monthly basis, paid from the cash flow of the building, or held until the property is sold at a later date, repaid an amount based on the profit of the

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If you are looking to expand your investment portfolio and you would like to learn more about the many benefits of an apartment building investment then I suggest that you read my free mini course on apartment building investments that can be found at Apartment Building Investor

If you are really serious about learning exactly how to find, buy and manage very profitable apartment buildings then you must enroll as a student in my Buy Your First Apartment Building E-Course

I now offering Commercial Loan Modification on apartment buildings and commercial real estate nationwide.

Just Because A Man-Woman Says They Need Space Doesn't Always Mean The Relationship Is Over

One day you meet this really fantastic person. There is strong chemistry there and so you think this is it. You immediately put yourself out there and instantly go "overboard" doing too many things to show the object of your interest and attention that you are very much in love. And when you thought it couldn't get any better, he/she says those dreaded words, "I need some space." You lose control of your thoughts and emotionally collapse and lash out. This eventually leads to an ending that is deeply disappointing.

Many men and women miss out on relationships with great potential simply because they assume "I need some space" always means the relationship is over.

"I need some space" is especially very confusing for men and women who grew up in an environment which was unstable. They easily get bothered by sudden changes and the "not knowing" what's going to happen next overwhelms, frustrates and depresses them.

Just Because A Man-Woman Says They Need Space Doesn't Always Mean The Relationship Is Over

The real tragedy here is that when you overwhelm a man or woman with your desperation, neediness and anger, you force him/her to actually think about ending the relationship. Your strong drive and determination to get attention and love is likely to get you into difficult situations because you want things going faster -- your pace, your call. What you get is men and women literally running for their lives, "It's best if we had no contact", or "Just leave me alone," or "You are too much for me".

This is why it's crucial that you understand that "I need some space" doesn't always mean I am no longer attracted to you or the relationship is over. Sometimes when a person says "I need some space" all they are saying to you is that, at this time, the value of what you are offering does not justify me taking a risk or investing more than I already have. Many men and women hesitate because they fear that they might be making the wrong decision and will regret it later.

If he/she asks for his/her "own space" don't automatically assume this is a pre-breakup situation.

1. Give him/her the "space" he he/she needs. This is his/her opportunity to come face to face with his/her feelings for you, don't get in his/her way. This may even be a chance for both of you to reassess what you have and work on what you might have in the future.

2. Ask him/her what possible compromises he/she is willing to make (may be meet once a week, weekends only, every other week? etc.) then give him/her the space he/she needs. If he/she refuses to compromise, then you know for certain that they're looking for ways to end the relationship. A person's body language will tell you more about their particular state of mind.

3. If he/she is willing to make some compromises don't force him or her to pay more attention to you than he/she is willing to. Repeated attempts to get back a man or woman who is "scared" for his/her life is completely useless. Only a significant space of time and a new type of approach will have any effect on someone whose guard is already up and whose sensitivity is razor-sharp.

4. It is important that you understand that giving him/her space does not mean you don't have anything to do with him/her. On the contrary, maintain your contact with him/her, but make the "contact moments" work to your advantage.

The most effective way to do this is employ a little playful resistance or what we commonly know as playing hard-to-get. Keep in mind that not all playing hard-to-get rules and actions are designed to make someone fall in love with you. Many of the popularly promoted playing hard-to-get "techniques" out there actually drive someone away instead of make them want you more.

The best kind of playing hard-to-get is one that creates more love than resistance. Using a little bit of playful resistance, you can create a "FRIENDLY SPACE" for fair negotiation, easily eliminate a man or woman's reservations about the relationship and concerns about making a long-term commitment and motivate him/her to take the action of risk and to want to invest more in you and the relationship.

When you understand this very engaging and bonding game, you can turn the "I need some space" into a "Let's try it again" or even "This is what I want!" Simply saying it to them is not enough, they need to SEE by your actions that you really understand what they want in a relationship.

Just Because A Man-Woman Says They Need Space Doesn't Always Mean The Relationship Is Over
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Christine Akiteng is an internationally renowned Sexual Confidence/Dating Coach and author of e-Books: The Art Of Seducing Out Of Fullness, Breaking A Bad Relationships Pattern, and Playing Hard-To-Get The Love Way.

http://www.torontosnumber1datedoctor.com

http://www.theartofseducingoutoffullness.com

http://www.playinghardtogettheloveway.com

Investing in Cattle - What Investors Must Know About Turning Cattle Into Cash Cows!

If you are like the selected few investors who are interested in investing in live cattle, you would have known that in order to do well in this form of investment you had to spend a significant amount of time and effort gathering information. A significant portion of live cattle futures traders are heavily involved with the beef industry, and thus trade futures as a means to keep price fluctuations at an acceptable level.

New cattle investors should not expect answers to come quick and easy. There is no such thing as an all-in-one book to answer all their questions about beef production and the idiosyncrasies of trading this futures. In the selected case of live cattle futures, investors and trades alike must be very well aware of the intricacies of physical delivery of live cattle and the many levels of discounts involved in delivery if they intend to trade the live cattle spot month contracts.

As with most futures, live cattle futures has its own trading standards as well. Can cattle producers use knowledge of the cattle's natural cycle to increase their profits and make more profitable investment decisions? Yes, if the first two basic, but often overlooked principles of economics are applied. First one being the ever famous 'buy low, sell high' and second, 'find out what everyone else is doing, then do the opposite!'. Although this two mantras are often heard, but it is much often easier said than done, and has been proven to be true by millions of investors worldwide. The cattle cycle is primarily driven by the economics of the beef and cow enterprises. Beef cow herds are classified as capital-intensive enterprises and therefore should be viewed as any other capital investments.

Investing in Cattle - What Investors Must Know About Turning Cattle Into Cash Cows!

There are two defining factors important in lowering the cost of production in the future. First one being the need of more efficient production technologies, and the second is the need to consolidate production into large units so that all economies of size are optimized. It is interesting to note that in the last few years alone, these two factors has been taking place at such a rapid rate, and this suggest that cattle investing will very well make it into the mainstream in the near future. Learn how to read the economic cycles in this industry and you will gain much profits from this very overlooked sector.

Investing in Cattle - What Investors Must Know About Turning Cattle Into Cash Cows!
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TheInflationist believes in the power of public investing talent and aims to harness its collective talent to benefit readers. We aim to encourage you to nurture, develop and share your investing style with the rest of us. The Inflationist strives to provide objective and transparent Stock Reviews [http://www.theinflationist.com] for all investors alike.

Knowledge is power, and in relationship to commodities, we need all the knowledge we can before making a decision in Commodity Trading [http://www.theinflationist.com]. Find out more about Making Money in Stocks, Bonds, Forex, Commodities and Agriculture.

Tax Deed Investing - What is an "Upset" Sale?

In Pennsylvania, some counties have two different tax sales; the "upset" sale, and the "judicial" sale. If tax sale properties are not sold at either of these two sales, the property then goes on the "repository" list and can be sold by private bid. The upset sale is held every year in the fall. It's called an "upset" sale because the minimum bid for the properties in this sale is known as the "upset" price; which includes any unpaid taxes from the county as well as any municipal liens. If a property is not sold in this sale, it is sold in the "judicial" tax sale in the spring. Not all Pennsylvania counties have judicial sales but they all have an upset sale.

What you may not know about the upset sale is that all properties are sold subject to any liens or judgments. That means that if you purchase a tax deed at this sale, you are responsible for any other unpaid liens or judgments on the property. Most people assume that when they buy a property at a tax sale, they don't have to worry about other liens such as a mortgage. This is not true at the upset sale. If you plan on bidding at any of these sales this fall, you'd better do your homework!

So how do you find out about other liens or judgments on tax sale properties? There are two ways that you could do this; one is going to cost you some money and the other is going to take some of your time. The first way is to hire a title search company to do a simple title search on all of the properties in the sale that you are interested in bidding on. This could turn out to be a little costly, so it's not my method of choice. Another reason why I don't hire a title search company to do title searches for me before the sale is that many of the properties will come off the sale list the day before or the morning of the sale. You may pay for a few title searches that you don't even need because the properties that you wanted to bid on are not sold at the sale.

Tax Deed Investing - What is an "Upset" Sale?

Last time I went to the Monroe County Upset Sale, I didn't even bid on any properties. I researched about 10 of the properties in the sale that were in an area that I was interested in. Through my research I narrowed this down to only two properties that I wanted to bid on. I did all of my research the day before the sale and I had checked that morning to make sure that all of these properties were still in the sale. But by the next morning (the morning of the sale) the two properties that I was interested in had paid and were no longer included in the sale. I'm glad that I did my own research and did not pay a title company to do it!

That brings us to the second method for finding out about liens and judgments on tax lien properties, and that is to do it yourself. There is a little bit of education and some time involved, but it is well worth it. In most states, to do this type of research you would go to the County Hall of Records. In Pennsylvania the office that has the records that you need to search is the office of the Prothonotary. The people in this office are usually very helpful and will help you to look up what you need to know. You'll have to look for liens and judgments by the name of the owner. If there are co-owners or joint owners, you will want to search under both names.

Keep in mind, however, that if new liens were not yet recorded they could slip through the cracks in the system and you won't be able to find them. There is always some degree of risk when you buy a tax deed, even if you are careful and do your homework. This is why it is always recommended that you do not buy tax deeds in your own name, but in the name of a separate entity. It could be a corporation or an LLC. If you need help forming a corporation or LLC for the purpose of buying tax deeds, I know of two excellent programs to help you. They were both created by Darius Barazandeh, Texas attorney and tax deed expert.

Tax Deed Investing - What is an "Upset" Sale?
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You can find out more about these programs, Incorporate for Wealth, and The Wealth Building LLC on the resources page of http://www.taxlienlady.com Joanne Musa works with people who want to build an extremely profitable portfolio of tax lien certificates or tax deeds FAST. You can find out more about buying tax liens online in my Guide to Buying Tax Liens Online. It's a free bonus for you when you try the members area of TaxLienLady.com. To find out more about the extra bonuses that you get when you try the members area of TaxLienLady.com go to http://www.TaxLienLady.com/Membership.htm

Tax Consequences of Inheriting an Annuity - Clear All Basics Before Investing

When we learn about annuities, and it's various related aspects, it is important to get a clear understanding about the tax consequences of inheriting an annuity. This concept needs important consideration right at the incepting stage since once the signatures appear on the dotted line, the plans and prospects would not get repealed. At the time of inheritance, the beneficiary possibly would have many things over his mind. He might be struggling with the loss of his near and dear one. On top of everything, it is very much possible that the beneficiary may fall in the lofty tax bracket when he is to receive the benefits of annuity. Keeping in mind all such possibilities, let us explore some more aspects of tax consequences of inheriting an annuity.

Most people have a wrong notion that an annuity inheritance is completely tax free and all the money pouring in are the death benefits. This is completely false. Income that comes through the source of an inherited annuity, is not hundred percent free from tax. The taxation certainly gets applied on whatever earnings or gains come to the inheritor barring the principal amount. In order to save the tax to certain level, it is advisable to further put the annuity in another annuity-mode for at least 5 years. The payments would get delayed, saving over the tax upto a certain extent year after year. The experts are of opinion that sometimes it is better to receive the annuity benefits over a stretched period of time instead of receiving them in a lump-sum amount. The lump sum receiving of payment may raise the tax-bracket upto considerable extent.

If the spouse is the annuity heir or beneficiary then the benefits go to him or her in the form of 'spousal continuation'. Since a spouse is the default inheritor has natural legal right of continuation of contract, they can take decision of receiving the payments in the stretched out format in order to save over the taxes. The tax consequences of inheriting an annuity by non spousal beneficiaries have several choices at their disposal. They can avail the option of continuing with the annuity and alter the ownership as per their own preferences. They can also spread out their payment spanning for next five years thus to save tax year by year upto some extent. They can also opt for receiving their payments for remaining years of their life in the form of equated installments. Just like spousal beneficiary, the non spousal inheritor also has the option of further investing the cash benefits into another suitable annuity plan.

Tax Consequences of Inheriting an Annuity - Clear All Basics Before Investing

All these aspects of tax consequences of inheriting an annuity may appear confusing or complicated but needs careful consideration for long term benefits. Thus, contact your financial advisor today and find out details about the exact annuities that are available for you and which ones would be ideally suited for your particular requirements. With proper planning, you will be able to get the required benefits from a good annuity plan.

Tax Consequences of Inheriting an Annuity - Clear All Basics Before Investing
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Visit http://www.annuitycampus.com for more Annuity and Life Insurance Tips and Tricks.

Call Robert Eldridge directly at 800-643-7544.

Robert Eldridge holds over a decade of experience as a multiline agent in multiple states and currently serves on the membership council of the National Association of Insurance and Financial Advisors