InvestmentHelper.org: Investment Guide InvestmentHelper.org: Investment Guide http://www.investmenthelper.org/investment_guide/ Copyright by InvestmentHelper.org en InvestmentHelper.org Wed, 28 Jun 2017 11:50:08 -0400 Building Wealth While Paying Off Your Debts In financial matters, building wealth and paying off debts are treated as two different matters. It’s easy to follow this logic since the two require relatively different approaches. But as you will soon learn, the line that divides them is quite thin.

Before diving deeper, it would be well to underpin the essential role played by credit counsellors and financial advisers when it comes to this subject matter. They often have more insight in dealing with money and the way to make it work for you regardless of the goals you are aiming for. A cursory look into these individuals will reveal how differently they think of money. And their reviews will reveal how good a success rate they have. For instance, Think Money Reviews will help you to understand the process of creating wealth and getting rid of debt.

On debt

When it comes to building wealth, debt management features as one of the foremost steps. The argument is that the only way you can have more is by giving out less. It follows then that if you hope to amass a fortune in life, you first need that clear, unremitting resolve to deal with your debt. Allow yourself to get tired of your financial situation and let the desire for prosperity fuel your journey going forward.

It’s important to ensure that you don’t get into any more debt. The idea is to break the cycle of needing to borrow. This can be achieved by making some hard decisions, such as reducing your monthly expenses by forming a habit of frugality. Learn to live below your means by practicing restraint and strictly saving for the needs you want to meet. On saving also, regardless of how difficult your situation is, put aside some amount every time money comes in. This will prevent you from borrowing for an unprecedented emergency.

Formulate a plan

After you have listed all your debts, ensure that you will make repayments for each one without fail. As you pay the minimum amounts required, pay off more for the smallest loans, or the one with the highest interest. If unsure of where to start, explore the different debt relief options that might be at your disposal.

On building wealth

To accumulate at such a time is challenging, but nonetheless possible. Your ability to save a little, and pay regularly will be the first true sign of your changing financial fortunes.

Adopt the mind-set of a producer

This means rewriting your entire belief system of how it is you make money. You need not stay shackled to employment because for all the security it provides it does limit your ability to grow. By thinking like a producer, you will be able to eschew whatever gratifications material things give that are never lasting.

Investing

If are unable to start your own venture, settle for working a little harder, for a little longer to increase your base earnings. As you make more, think seriously about investing in both the short and long terms. From stocks to real estate, there are many investment vehicles that you can use with little sums of money.

Remember to celebrate your achievements along the way, such as when you clear your first debt. It motivates you to keep going. And eventually you will realize that in many ways freeing yourself from debt is in fact building wealth.

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Investing Basics http://www.investmenthelper.org/investment_guide/building-wealth-while-paying-off-your-debts-686751.shtml http://www.investmenthelper.org/investment_guide/building-wealth-while-paying-off-your-debts-686751.shtml Editor Thu, 27 Apr 2017 22:52:08 -0400
Steps to Take Before Investing in Real Estate  

There is no denying that a real estate venture is a step in the right direction when it comes to investment opportunities. While it is a lucrative endeavour, it is important to take care of the important details before you sign that final check and hand it over. This is the only way to ensure that you are making the right financial decision and will be getting your money’s worth. If you are still not entirely comfortable with such deals, there are some things that you should know before you make your next investment. Here are some important pointers:

Understand Current and Future Potential

When looking to buy property, one of the first things you will do is determine just how much that piece of real estate is worth. This is often done by examining the current value of the property, the surrounding properties, and various other aspects of the immediate neighbourhood. Now this will help you to understand just how much that land is worth now. This, however, is not enough of an investigation. You should be able to predict how much the property will be worth several years from now. Will the prices remain stagnant, plummet, or move up in value. Ideally, you want the property to be worth more later on. Therefore, you should look at any public or private developments that may be coming to the area. Will these help to boost traffic into the neighbourhood or will it be driving people out?

Make an Informed Decision

This is certainly an instance where you do not want to be caught unawares. It is vital that you know precisely the situation that you are getting yourself into, especially financially. The best way to have all of the details that you need is to conduct a land title search. This will provide you with an absolute wealth of information. It will tell you all that you need to know about the current owners of the property. This includes whether or not they are the true titleholders of the real estate as well as specifics about the mortgage. It is also a good way to minimize your risk and make sure that no fraudulent activities are taking place.

Be Aware of Tax Costs

The last thing that you need is not pay the taxes that you owe. Prior to purchasing real estate as an investment, however, you need to know of all the costs that lie ahead of you. This will help you to prepare beforehand and not be blindsided when the time comes to settle your dues. In most instances, you will be required to pay a stamp duty on the property that you wish to buy. The final cost of this will be decided depending on the overall value of the property. It will also be calculated according to the state in which you are making the purchase. In addition, you will be required to pay an annual land tax as well. This, too, will change according to where you have bought the property.

There is a lot to do before you actually purchase a property. By taking all of the above things into consideration, you will make the process a lot easier for yourself. Not to mention, you will avoid any unwanted surprises and ensure a much more simple investment process for you and everyone else involved.

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Real Estate Investing http://www.investmenthelper.org/investment_guide/steps-to-take-before-investing-in-real-estate-686750.shtml http://www.investmenthelper.org/investment_guide/steps-to-take-before-investing-in-real-estate-686750.shtml Editor Thu, 20 Apr 2017 23:50:55 -0400
Easier to get quick loans online Online payday loans have gained a lot of popularity in the recent past. In order to get a loan people used to wait for days after filling the form, now it has become easier to get quick loans online. Also with instant loan approvals the competition among the lenders has increased a lot. In case you are a genuine borrower and have repaid your loans in the given time period then there would be plenty of lenders ready to give loan proposals to you.

Now the best thing about such loans is that you get instant loan approval and cash in case of a crucial cash crunch. The procedure of getting such loans is rather simple. If you provide all the details precisely then the process will be steady and quick. Through payday loans online you can get small loans. However they charge very high interest rates due to which you have to pay nearly double of the amount that you borrowed. The only advantage is that you get the loan amount deposited in your account within 24 hours. These loans work as a temporary finance to handle any sudden or unexpected financial issues.

Providers of quick loans online do approve your loans easily but they have extremely strict rules if you fail to make the repayment in time. In case you feel that you are going to default on your repayments then you can talk to the lender and come up with an instalment plan. Although this may increase the amount of interest to be paid but in the end you would be able to pay off your debt without disturbing your monthly budget. The best part about quick loans online is that you can complete all the needed documentation by sitting in one place. In case of any doubts you can have a live chat with someone from the customer support of the lender. You can finish the form submission online within seconds, and the best part is that you can do it at any time you want to.

You might feel awkward while going to the bank to get loans for small amounts; online loans have resolved this issue. You as the borrower get an advantage as you can compare the interest rates from multiple lenders while sitting in your own home. You can select the lender who matches your needs. These loans are just perfect to get rid of any temporary money problems. If you are going to apply for quick loans online, then collect your employment and contact information so that you can save some time when filling the form. For example a recent salary statement may answer most of the questions asked in the loan application. Also you would have to submit the details of an active bank account where the approved loan amount can be deposited. Mentioned below are some advantages of quick loans online:

  • Instant loan approval – the automated method of filling application makes it easier for the lender to process your application hence enabling them to approve it within five minutes or less. The application asks for your contact details, source of income and account details. These lenders do not check your application on the basis of your credit score or any other financial factor. Instead they need you to have a consistent job and a functioning verified bank account. Once your application has been verified and approved, you get an approval notice and related information in order to complete the information. After which the requested loan amount is deposited directly into your bank account.
  • Speedy and paperless process – with such loans you need not drive across the town in order to apply for a loan. This process is paperless hence you need not fax multiple copies of your salary statements and other details of your bank accounts.
  • Automatic payment deduction system – the loan repayments are also done online. On each due date of repayment the instalment is deducted automatically from your account. Also you have the option to select if you want only the financing charges to be paid, some part of the principal or your entire loan amount. Majority of quick loans online companies have a flexible repayment plan making it easier for you to get rid of your debt.
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Financial Guide http://www.investmenthelper.org/investment_guide/easier-to-get-quick-loans-online-686749.shtml http://www.investmenthelper.org/investment_guide/easier-to-get-quick-loans-online-686749.shtml Editor Tue, 14 Feb 2017 01:24:49 -0500
Would you Sell or Rent your House out before you Travel?

If you are a homeowner and are intending to travel for a long period, then it is highly likely that you are faced with the dilemma of whether you should sell your home or simply rent it out.

Well, in most cases it is recommended that you sell your house ahead of your voyage so that you do not have much to worry about while you are away. While this may seem reasonable, it is not necessarily the ultimate solution.

However, you need to look at it from a personal finance point of view so that you do not end up with regrets. Here are some of the things you need to consider:

Advantages of selling your house to travel

According to fast house sale company Ready Steady Sell here are two major advantages of selling your house before you travel. They are as follows:

  • Extra cash – When you sell your house to travel, it is likely that you will get a huge chunk of money especially if you bought it for a lesser price. You could use the proceeds from the sale to finance your travel or invest the money elsewhere like a portfolio of stocks that pay dividends. This way, you can be sure to generate money despite having sold off your investment.
  • Peace of mind – When you sell your house before travelling, you will not have to worry about having to make mortgage payments as you will already have made alternative arrangements with your mortgage lender.

Disadvantages of Selling your house before travel

Although the advantages of selling your house before travelling the world are clear and enticing, there are also disadvantages that are associated with this same move. They include the following:

  • Monetary loss – If you are selling your house at a time when the market is not performing well, chances are that you will lose money.
  • The process is time consuming – When selling your property on the open property market, you may have to wait for a longer period before finding a suitable buyer for your house. This might essentially affect your travel schedule especially if it takes long to sell and it is likely to, you may have to conclude the process while you are away. However, this can be nerve wrecking compared to if you had done it before.
  • Re-settling – If you are keen on coming back to live in the same area, you need to put in place proper resettlement plans. That is, determine if you will rent or buy another house.

Overall, you need to establish your next move after before embarking on travel. That is, you must take time to interrogate both the benefits and disadvantages of selling or renting your house before travelling. This will ensure that you have a good continuity upon your return.

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Real Estate Investing http://www.investmenthelper.org/investment_guide/would-you-sell-or-rent-your-house-out-before-you-travel-686748.shtml http://www.investmenthelper.org/investment_guide/would-you-sell-or-rent-your-house-out-before-you-travel-686748.shtml Editor Tue, 31 Jan 2017 08:11:52 -0500
5 Ways Accountants Can Make You Audit Proof Except for Scientologists, nobody will ever win a fight against the IRS. Going through an audit is awful and what specific factors to look out for isn’t certain. But there are things you can do to lessen the likelihood of interacting with the IRS.  Here are 5 of those things.
 
5. Be ready to defend your deductions
 
The IRS is well aware that people will put deductions where they can. A good rule to follow is you should be comfortable defending your deduction if asked about it. Even if you are questioned about it, if you can reasonably prove why you listed it then it should not be a problem.
 
4. Get help
 
With a professional on your side to help you fill out your taxes, your paperwork should be solid and better organized. A professional is more familiar with the rules as well as location specific laws that apply to your situation.
 
If you don’t want to go all-in and hire a accountant or tax professional, you can get tax software to help fill out your taxes. Tax software will make things faster as it will do your calculations and offer helpful suggestions. You don’t even need to follow through and submit online if you don’t want to, you can simply print it out.
 
3. Disclose only what you need to
 
Giving out all the possible details can actually hurt you rather than help. You should keep things as simple and as clear as possible. If you need to append explanations, keep it concise and accurate. No need to include bank statements or sales contracts unless requested by the IRS.
 
2. Double check your math
 
With all the paperwork and tediousness of preparing your taxes, it’s understandable that a person slips and makes basic math errors. Simply checking if the math is correct is easy and can avoid trouble. The IRS will contact you if you make mistakes in your math. This is standard procedure and will not normally lead to an audit but it is in your best interests to keep interactions with the IRS to a minimum.
 
1. Keep track of all your 1099 forms
 
There are different types of form 1099. Here are a few examples:
  • Form 1099-R for pensions
  • Form 1099-INT for interest
  • Form 1099-DIV for dividends
  • Form 1099-G for tax refunds
  • Form 1099-MISC for miscellaneous income
Form 1099-MISC will see the most use. Be sure you organize and keep track of all the forms you have. Those who paid you will also submit forms related to you and these will be cross checked with your form 1099. Failing to account for something is a big red flag for the IRS.
On a final note: here are some known red flags that will definitely increase your likelihood of being audited:
  • Tax returns with very large deductions e.g.  You report an income of $35,000 and claim $30,000 in deductions.
  • You claim several deductions with travel, ,entertainment and debt with poor documentation.
  • You report long time recurring business losses. The IRS is suspicious of businesses that consistently lose money over the years and still stay in business.
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Financial Guide http://www.investmenthelper.org/investment_guide/5-ways-accountants-can-make-you-audit-proof-686747.shtml http://www.investmenthelper.org/investment_guide/5-ways-accountants-can-make-you-audit-proof-686747.shtml Editor Mon, 23 Jan 2017 21:26:34 -0500
5 Types of Homes You Can Buy in Launceston, Tasmania The riverside city of Launceston in northern Tasmania, AU presents wonderful opportunities for relocation. If you are looking for a home in the area, you have numerous possibilities, new and old. Below, you can have a look at the types of homes currently available to buy at advantageous prices.

  1. Rural homes + land

In Launceston, rural and urban life mix together rather seamlessly, due to the relaxed atmosphere of the city. It is fairly common to find house and land combinations across Tasmania, and Launceston suburbs are no exception. Space is no issue here hence anyone will find it easier to invest in a home that also has land attached to it. It can prove suitable to a slower paced life or simply give you the opportunity to have more space of your own and therefore more tranquility. The land may have additional constructions on it, such as old warehouses that can be converted to suit a modern lifestyle.

  1. Multiple-bedroom family houses

A significant number of properties on the market belonged to long-established families. Old style homes are very pleasing to the eye and can be found in the city center, as well as in its suburbs. The relaxed style is highly attractive to families and couples of any age. House builders Launceston have followed the pattern when developing new and modern family homes. Such dwellings can range from Georgian and Victorian styles to contemporary. The median house price is estimated at about $300,000.

  1. The charming townhouse

Townhouses in Launceston usually have historical features but also recent refurbishment work. If you are a fan of inner city living, you will find such homes to be equally suitable and charming. Multiple-story houses offer varied possibilities for living. While rear decks provide excellent relaxation spots, ground floors can be used for business, as it's often the case. Townhouses have much potential and have well adjusted, realistic prices.

  1. Veranda homes

It comes as no surprise that Launceston offers plenty of homes with lovely verandas. Its rolling hills landscape offer amazing views and thus many home constructors have taken advantage of this aspect. Who wouldn't want to live in a home with splendid views? Veranda homes sell well and many are also up for rent. The houses come in any size – you don't need to opt for a lofty mansion to enjoy this feature.

  1. Kit and modular homes

Tasmania developers create steel kit homes as well as modular houses, which can be some of the most affordable housing solutions. Such homes are made in factories and then delivered to the chosen site. They're easy to assemble and can be made as small or large as desired. These constructions blend well into the environment as they have a natural, beautiful finish. All such units meet the standards set by the latest 6-star energy rating. Under-floor insulation ensures good heating and no waste. These homes are a result of listening to what people are looking for and therefore an expression of ideal modern living standards.

If you are a student or young professional looking for a home or investment in Launceston, there are numerous spaces for rent to choose from, both new and old. The city caters well to young and mobile workforce, too.

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Real Estate Investing http://www.investmenthelper.org/investment_guide/5-types-of-homes-you-can-buy-in-launceston-tasmania-686746.shtml http://www.investmenthelper.org/investment_guide/5-types-of-homes-you-can-buy-in-launceston-tasmania-686746.shtml Editor Mon, 10 Oct 2016 01:21:23 -0400
How To Start an Office from Your Home You love being at home. You’ve carefully and slowly created a comfortable, cozy home that makes you feel good. You’re proud of your home, and happy to bring company over to show them how nice you’ve beautified your home to be. It’s not easy to do, it takes the right eye and a lot of patience to get a comfortable place going. But, once you’ve gotten to the point where you just absolutely love being at home isn’t it a bit of a let down when you have to leave the majority of the day to go to the office? All that effort to beautify your home and now you don’t even get to use it.

Well, we’ve come up with one solution. If you don’t want to have to leave the comfort of your home from Monday to Friday when it’s time to go to work, well then make your home your office! How do you do that, you ask? Well, by starting your own business! When you start your own business and become your own boss you can stay at home while you work. It’s an often overlooked benefit of being a business owner, and being the boss of your own time. If you want to enjoy your home to the max, well work from there! If you start a business that you can run from a computer, making your comfortable the home base is not hard at all.

When you start your own business these days, having a digital presence is almost a necessity. You almost cannot have a business without having your own website. So, if you want to try this method of starting your own business to enjoy the comfortable you’ve built then you are going to have to start a website. You’ll have to start with a web hosting service, like Wordpress, Squarespace, or iPage. IPage is an excellent option because they offer web hosting services and some web design as well. It’s a great place to go to if you need to start your own business, you should really check it out. Web Hosting services can get pricey though, so make sure you use these Groupon Coupons for iPage so you can control the budget better. Starting your own business is a great way to enjoy your own home, so what are you waiting for!

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Investing Basics http://www.investmenthelper.org/investment_guide/how-to-start-an-office-from-your-home-686745.shtml http://www.investmenthelper.org/investment_guide/how-to-start-an-office-from-your-home-686745.shtml Editor Thu, 01 Sep 2016 11:29:21 -0400
5 Investments You Will Never Make Money On Investing can be a fickle thing. On one hand, it seems that investing your money is always a smart use of it. On the other hand, there is always risk involved. Some investments have a much greater risk than others, but they are also tend to have a much greater reward. When investing, it really comes down to the individual. How comfortable are you with the risk you are taking?

A lot of investments will net you at least some form of return. The key is netting a return that is greater than the increase of inflation. Options such as a 401k, IRA, Roth IRA, stocks, bonds, and more offer one way to invest your money. You can also invest into property or land. Property investors can choose from residential or commercial property to invest in. Land investors often choose between vacant land, farming land, hunting land, or more.

Despite popular belief, investments do not always make you money. In fact there are some that you might never make money on or make very little money. To preface this list, let’s start by saying “never say never”. In the theoretical world of finance, almost anything is possible but the probability still says unlikely. With that caveat, let’s look at some of the investments that you are bound to lose money on.

Timeshares

Timeshares seem like such a magical thing. You can potentially partially own a vacation home in whatever tropical destination you would like for a portion of the year. Unfortunately, you have almost every investment factor working against you. For starters, the resale of a timeshare is almost always lower than the original investment. So if you are purchasing directly from the developer of the timeshare, you can almost be certain that if you choose to sell your timeshare, you won’t make back your money. If you are dying to buy one, buy a resale timeshare which can sometimes be half of what the original was.

Timeshares also have maintenance fees that could be thousands per year. This needs to be factored into the overall investment cost. If the fees are high, you might be better off just paying for the vacation each year. Speaking of vacationing each year, the timeshare is only useful if you do plan to use it each year.

Penny Stocks

It’s only pennies right? Wrong. For those unfamiliar with penny stocks, they are stocks priced under $1 per share. The trading volumes are so low on these stocks that the prices are easy to manipulate. The people who make money in penny stocks are the ones promoting them. Sure, you could get lucky and invest in a penny stock that has a large appreciation but with that logic winning the lottery isn’t too far-fetched either.

Higher Education

Before the pitchforks come out, understand that not all higher education is a bad investment. In fact, the majority is a good investment. However, just like the stock market, there are bad and good choices.

Higher education is an investment in your future. You take out a whopping student loan with the mindset that your future career will pay this back and then some. Unfortunately, there have been a handful of poor higher education establishments that don’t provide any significant advantage. These educational institutions accept everyone and leave graduates with no upper hand when entering the real world. These “degree mills” have been under scrutiny as of late because of multiple lawsuits.

Additionally, there are poor majors to choose from. Not going into detail, it is important to determine what career options are available for individuals who graduate with a certain degree. More students should view higher education as a financial decision rather than a “it’s what I’m supposed to do” decision.

A Car

For young adults, purchasing their first car may seem like the first “grown up” purchase they get to make in life. While it is an exciting time, it also happens to be one of the worst investments you can make. The second that the car is in your hands and leaves the lot, it drastically depreciates in value. So you are now making consistent payments on an asset that is losing value every day.

In addition, owning a car also means additional fees such as car insurance, state registration, gas, and maintenance. You are literally pouring money into an asset that will provide you with no return upon sale.

Buying a car is often a necessity though, so it should be seen as a necessity, not a luxury item. Purchase a car within your means and forgo the charm of a luxury vehicle. Remember the purpose of your car is to get your from Point A to Point B. It is a good idea to check with Kelley Blue Book to see what the resale value of cars are. It is smart to find a car that holds its value and remains in-demand for years to come. It’ll be much easier to sell it for a higher margin down the road.

Any Investment You Don’t Understand

One of the absolute worst investments you can make, is one that you don’t understand. This applies to any investment product that seems complex or investing in a stock that you aren’t familiar with. Doing your due diligence is half the battle when it comes to making money on an investment. If the investment product requires fees or work and the terms aren’t clear, avoid it. If you can’t figure out how a business makes their money, don’t invest in their shares. That is how investment legends such as Warren Buffett and Peter Lynch have made their living; avoid the unknown.

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Investing Basics http://www.investmenthelper.org/investment_guide/5-investments-you-will-never-make-money-on-686744.shtml http://www.investmenthelper.org/investment_guide/5-investments-you-will-never-make-money-on-686744.shtml Editor Fri, 19 Aug 2016 23:04:49 -0400
Moving Offices Without Interrupting Operations Australia is a high-income country, and that’s largely thanks to its major cities including Perth. Perth is a city that is growing both in terms of population and number of businesses, and many budding entrepreneurs choose this city as their desired place to start a company. As start-ups grow and profits as well as employee numbers increase, moving to a new location is often unavoidable. Relocating can be a fantastic opportunity, but the challenges it poses can temporarily hurt a business’s revenue.

In order to maintain a healthy flow of cash and continue making a profit when relocating, businesses need to choose a company they can trust for removals in Perth. They need to know their chosen company can carry out a professional job as quickly as possible without causing any damage to office equipment during loading, transporting and unloading.

Office Relocation Solutions Services are a popular choice when it comes to relocating because it’s a company that possesses the knowledge and team of skilled staff needed to minimise business disruption. It’s a good company to consider for business’s that can’t afford to cease operations for too long.

Relocating Made Simple

Business owners already have to worry about so many important tasks that they’d make their life much easier by choosing the right company for removals. Here’s a short list of what qualities make a removal company qualified to carry out an efficient job.

  • The ability to help businesses no matter what they’re size – Smaller businesses may only need to move a small selection of office equipment, but the larger businesses may need to transport enough furniture to accommodate hundreds of employees. Big companies might benefit from using a removal company with a professional project manager to minimise downtime when moving to a new premises.
  • Guaranteed safety of equipment – While some downtime might be inevitable during a move, businesses don’t want the period of downtime to be extended due to damaged or unworkable equipment. A top removal specialist should have the necessary equipment and packing materials to ensure office furniture remains in the same great condition as it was in before it was transported.
  • A large fleet of vehicles – If hundreds of office desks and computers need to be moved to a new premises, the removal company will need both large vehicles and a sizeable fleet to make sure the move happens as quickly as possible. The quicker everything is transported to the new location, the faster a company can continue their operations as normal.

Businesses need a dependable and experienced company for removals in Perth to remove the stress involved with such a difficult task and to make sure they don’t miss out on too much profit. Companies can expect a small amount of downtime when relocating, but they need to know they won’t experience any more downtime than necessary. Placing trust in the services of a professional removal company is the best way to ensure the minimum amount of downtime possible on top of ensuring the safety of equipment.

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Real Estate Investing http://www.investmenthelper.org/investment_guide/moving-offices-without-interrupting-operations-686743.shtml http://www.investmenthelper.org/investment_guide/moving-offices-without-interrupting-operations-686743.shtml Editor Mon, 18 Jul 2016 22:42:01 -0400
Realistic Ways to Invest If You're Broke

You’ve probably heard how important it is to invest in something, whether that’s the stock market, bonds, or even real estate, but how do you put money into any investment if you don’t have any?

That’s one of the biggest hurdles young people and low-income individuals see on their way to building wealth through investment. They feel like it takes money to make money, and that’s not untrue, but it also doesn’t necessarily count you out of the investment world.

Compare Online Savings Accounts

Before you can move into the world of stock market investing, or more advanced approaches, it’s best to have a grasp of the fundamentals. One of the core elements of any healthy financial strategy is having money set aside. You can do this in the form of a savings account, and if you browse online savings account options, you’re more likely to find competitive interest rates. This is not only allowing you to set money aside that can later be invested, but it’s a small investment in and of itself since you’re earning interest.

Consider ETFs

An ETF, which is an exchange-traded fund, is an attractive investment option because it gives you the benefits of a broadly diversified portfolio, but you’re getting them at a low cost. ETFs are somewhat like a stepping stone to mutual funds for many investors. Along with the lower operating costs of an ETF, they also offer flexibility, transparency and tax efficiency. ETFs, like stocks and bonds, can also be traded intraday, which is beneficial in terms of speculative trading.

Penny Stocks

Penny stocks are much like they sound like—inexpensive stocks. Trading penny stocks is often seen as more a short-term strategy, but it can work well when you pair this type of approach with something steadier and more long-term, such as ETFs. If you’re unsure of how penny stocks work you can take advantage of online training courses and programs like Timothy Sykes’ Millionaire Challenge. The benefit of starting out your stock market investing with penny stocks is that you learn the fundamentals of the market, and as your income grows you can use this knowledge to build your wealth by playing the market.

Automatic Investment

If you don’t have a lot of money or time to put into investing, you can let technology do the work for you. Apps like Acorn offer automatic investments of your spare change, so you can effortlessly grow your wealth, quite literally with pennies. Acorns and similar platforms follow a concept called “Micro Investing.” It works by having you connect your cards and accounts, and then every time you make a purchase the total is rounded to the nearest dollar. Your change is invested on a recurring schedule, and you can also add amounts to your account anytime you want. With Acorns, every dollar you invest is automatically diversified across 7,000 stocks and bonds.

Skip Trading Fees

If you are low on extra money and hoping to invest in the stock market, you likely don’t want to have to pay high brokerage fees. Robinhood is a new mobile app that lets you avoid high fees and take advantage of free stock trading so that you can maximize your money. Robinhood is an innovative platform that eliminates commission and is based on advanced technology. Users create self-directed orders, and the low-latency trading systems of Robinhood ensure the execution goes as well as possible.

Not already being wealthy doesn’t count you out of most investment opportunities. You may have to a little more creative with your approach, but once you master the basics and realize some profits you can put that money back into your investments and watch your wealth grow over time.

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Investing Basics http://www.investmenthelper.org/investment_guide/realistic-ways-to-invest-if-youre-broke-686742.shtml http://www.investmenthelper.org/investment_guide/realistic-ways-to-invest-if-youre-broke-686742.shtml Editor Fri, 10 Jun 2016 02:16:34 -0400
What To Consider Before Making An Investment Decision It’s so easy for investments to go wrong. All that money you thought would pay off can suddenly go down the drain. Any kind of investment is a calculated risk, but you are really doing enough to ensure it’s the right decision? Can you guarantee that you’re ready to jump head first into this? Well, we’re going to give you a chance to re-evaluate that decision. Have a read through of some of our tips, and see if you’re going wrong in any areas.

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Research The Market

The key term we mentioned earlier was “calculated”. If you aren’t ready to make a calculated investment, then you shouldn’t be throwing money around at all. Do your research on the market and find out what a good investment opportunity would be in 2016. Read articles online about the pros and cons of your intended investment area. In the case of land, you can find articles in which Elizabeth Goldman discusses land investment online. If you’re interested in investing in a small business, you can find resources online for that too.

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Be Patient

The longer you’re willing to stay invested, the more money you can potentially gain. If you’re just in this to make a quick buck, you’re going to have to stick to a certain type of investment. You don’t want to be pulling out of that investment too early, or you could lose money as a result. Think long-term instead of short-term, and you should benefit in most cases.

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Know How To Spot A Scam

There are all sorts of scams out there that are just waiting to take your money and turn it into an “investment”. Unfortunately, as great as the internet is, it’s also a haven for this sort of thing. You need to be clued-up enough to spot this before you get involved. If something appears too good to be true, it probably is! Be clever with your money and make sure you’ve done enough research beforehand. There are far too many people who are tricked into scams, and they can end up with serious financial problems as a result.

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Don’t Gamble With What You Can’t Afford To Lose

If you intend to go high-risk with your investments, make sure you do so wisely. You can’t afford to gamble your money away if you’ve got nothing to fall back on. In this case, it’s much better to simply go for low-risk investments where the potential of failure isn’t too devastating. The only time you should ever be considering high-risk ventures is when you’ve got money that you can afford to lose. Make an emergency fund anyway just in case it all goes wrong.

Of course, this list isn’t exhaustive. You must consider all sorts of things before taking a risk like an investment. To reiterate: you must know what you’re getting into. Doing enough research about every little avenue ahead of time is the most important thing when it comes to making the right investment.

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Investing Basics http://www.investmenthelper.org/investment_guide/what-to-consider-before-making-an-investment-decision-686741.shtml http://www.investmenthelper.org/investment_guide/what-to-consider-before-making-an-investment-decision-686741.shtml Editor Wed, 27 Apr 2016 10:04:41 -0400
Getting Your Home Ready to Sell

It is no easy task to get your house ready to sell. From the outside to the inside, it's got to be ready to show, sparkling, clutter free and smelling like freshly baked cookies. The price also must be right, or you'll waste everyone's time, including your own. Yes, it takes work, whether you sell it yourself, have a home buying service take it off your hands or use a realtor. But the more work you put in it, the more money you'll get out of it.

How to Sell Your House

You've got a few options when it comes to selling your home. If you are in a big hurry, you may want to consider a house buyers service. This is a service that knows your area and will pay a fair price for your home. They in turn, sell it. You can often get a fair value, though sometimes you'll have to take a little less depending on work that may need to be done or other factors. This is a viable option for getting rid of your house fast.

Another option is selling it yourself. This will take more time, but you may end up with the most money this way. You'll need to know the market, be able to show it and know the ins and outs of sealing the deal.

One more way to sell your home is with a realtor. A realtor will do the work for you and help you list, show and negotiate the deal. The difference in a realtor and a house buying service is that the buying service buys the house and you are free of it. With a realtor, you still have to wait for a buyer. You can choose the best option based on your time frame and financial needs.

The House Itself

Lots of little tips help in the quick sale of your house, and some not so little tips Take a look...

Price it Right

Price it right the first time around. See what other comparable homes are going for in your area. When people see "reduced" on the sign, or just see it in the listing, it's a deterrent. They may ask why didn't it sell in the first place, what’s wrong with it? Also, you don't really need to build in haggle room in the price.

Declutter

Take your stuff away. From picture frames of family events to out of season clothes in your closet, get rid of it. You want to create the feeling of space. Crammed closets and overflowing cabinets won't bode well, neither will Uncle Bob smiling down from he mantle. Whether you give it away, sell it or store it - just remove it.

Enhance curb appeal

Increasing the appeal of the first impression can go a long way and not take a lot of time or money. Curb appeal is the first impression, and can make or break a sale. It's easy enough - plant some colorful flowers, pressure wash the sidewalk, mow the grass, clear the cobwebs. Even a new welcome mat is a nice touch.

Hide the pets

You may not be able to completely mask the fact that you have pets, but no one wants a dog jumping on them when they view a house or to be bombarded with the smell of a litter box. Take the dog with you when you leave before a potential buyer comes, and maybe a friend can have your cat visit while you are selling. Make sure you get as much pet hair up as possible, as in professional carpet cleaners.

Clean Clean Clean

Maybe nothing sells better than a sparkling clean house. Even new upgrades won't show well if the house is dirty. So clean it. And clean some more. Get all those nooks and crannies that you may not normally get to. And it will smell nice.

Selling a house is work, hard work. There are great options, though, to help you, including realtors and home buying services. You can do as much or as little as you want depending on how you choose to sell it, and hopefully you'll be in your new place soon enough!

Image Source: https://c2.staticflickr.com/6/5521/11415768915_83a98098aa.jpg

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Real Estate Investing http://www.investmenthelper.org/investment_guide/getting-your-home-ready-to-sell-686740.shtml http://www.investmenthelper.org/investment_guide/getting-your-home-ready-to-sell-686740.shtml Editor Wed, 13 Apr 2016 21:19:30 -0400
Staging Your House for a Viewing In the real estate business, there is no such thing as the perfect house without hard work. Every house that looks like it came off a page of a magazine has had a small army of people working on it to look a certain way. Those of you who have been house hunting or investment property hunting would definitely have come across that house which was perfectly laid out and invited you to consider it again. Houses such as these, as opposed to the houses where you had to think really hard to imagine yourself living there, have definitely been staged to look that way. This is a trick used by many sellers to entice their potential buyers to buy the particular property. First time sellers maybe unfamiliar with the concept of staging. Well, for those of you who have no idea of this concept, it is the act of arranging the house in such a way that it helps the potential buyer to imagine himself living in that house. Many of you may wonder how this can be done and from where you can get tips from. Not to worry. We have consulted the top buyers agents Melbourne and compiled the list of tips below.

Increase the curb value

The curb value is a good measure by which potential customers make decisions about your house. The term curb value means the value which a potential buyer may assign to a house based on the things that he can see from the curb only. Those houses that rank high on curb value tend to move faster than those that get a lower curb value. To assess the curb value of your house, actually take a walk to the curb and check out things such as the paint, trim, windows, number plate and the deck. If any of these are not in their optimal condition, you curb value is going to suffer.

Play up the garden

Many people completely forget their gardens when they have potential buyers over for a viewing. Some of them even forget to at least mow their lawns. The garden is one of the first things that a potential buyer sees. It is true that the garden can be customized by the buyer depending on his preferences. It always helps to see a nice and tidy garden in that first viewing. Roll up your sleeves and attend to your garden or contract a landscaping company to do it for you.

Declutter

Just because you have a thousand and one things at your home, it does not mean that you should show all of them off to a potential buyer. You don’t have to. Remember, the rule of thumb here is ‘less is more’. By showing fewer number of things, you are going to achieve more attraction to your property from potential buyers. Take a day and get together with your family to start the decluttering process. Get rid of things that you don’t need and those that haven’t been used in the past year. You would even find this process surprisingly cleansing.

Clean up

Now that you have decluttered your space, you may be able to actually see surfaces that you weren’t able to before. That bit of floor which was covered by that ugly chest of drawers or that part of the wall which was covered by that curtain can add volumes of space. These new spaces can also accentuate the fact that some parts of the house maybe cleaner than the others. To avoid this, get your cleaning supplies and make sure that every surface is spotlessly clean.

Add homely touches

Finally, a few homely touches is just what you need to entice those potential buyers. What are these homely touches? Well, definitely not having your children’s toys strewn all over the place or leaving a full dustbin in the kitchen. Many think that keeping it real is the key to winning over potential buyers, whereas it actually isn’t. Why not try to make the place more homely by leaving a few flower arrangements at the dining table, mantle and the foyer? A few, definitely not all, family photographs in the living room, a hammock in the backyard or a handmade quilt in the bedroom can go a long way in making your guests feel at home without being too obtrusive.

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Real Estate Investing http://www.investmenthelper.org/investment_guide/staging-your-house-for-a-viewing-686739.shtml http://www.investmenthelper.org/investment_guide/staging-your-house-for-a-viewing-686739.shtml Editor Mon, 22 Feb 2016 00:49:54 -0500
What Does A Diverse Portfolio Look Like? There’s one golden rule of investing that trumps all others: diversify. In other words, never put all your eggs in one basket. Imagine if you put all your money into one single stock (let’s say it’s Twitter). Now, if Twitter’s share price hemorrhages (like it’s doing right now), you’ll lose all your money. Even if you spread your investments in lots of tech stocks, you still risk losing money if the tech market crashes. The key is investing in diverse industries and taking out different types of investments.

We’re often asked what a balanced, diverse portfolio should look like. So, today, we’re going to show you.

Five or six blue chip stocks

‘Blue chip’ shares are the solid, reliable, mammoths of the stock market. Think Disney, Visa, General Electric, Wal-Mart etc. You know for a fact that these shares will keep on trucking, even when things get tough. They’ll ride out stock market wobbles, and they always rebound. Better yet, they pay out big, fat dividend checks on a regular basis. These stocks should form a good quarter to a half of your portfolio. They’re your anchor. Just be sure to pick stocks from different industries (ie. choose a bank, a retailer, a tech company).

One or two small caps

Small cap stocks are companies with a much smaller market capitalization. (Usually less than $1 billion. Tiny, right?) The best thing about these smaller companies is their ability to adapt and move with the times. That makes them surprisingly reliable, and quick to make a profit. They move faster and fluctuate more than the blue chips, but they will potentially make more money. Find one or two small companies you believe has a bright future and strong business model.

Gold or silver

We always advise investors to keep a steady handful of gold or silver investments. Why? Because precious metals are invincible during recessions and market wobbles. Take this year, for example. 2016 opened with the worst stock market decline in 100 years. Yet, gold prices have soared. The reason is that gold provides a safe haven in unstable times. Balance out your stocks with a reliable gold reserve. Most investors have about 10% of their equity in gold.

Bonds

When you invest in bonds, you are essentially lending the government money. It’s yet another form of investing, but it’s not tied to stock market movements. Government bonds are generally quite reliable. After all, the government is always good for the money! You’ll get a regular dividend, and the return is based on national interest rates. Although interest rates are currently very low, it’s still a safe place to invest.

Real estate

Finally, keep a good portion of your equity away from the stock markets completely. Invest in real estate and property, and your rewards will increase year on year. Although there are market dips, the overall pattern moves upwards, making you a healthy return.

That’s a basic, diverse portfolio for you, folks. Would you include anything else in your balanced investment folder?

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Stock Market Investing http://www.investmenthelper.org/investment_guide/what-does-a-diverse-portfolio-look-like-686738.shtml http://www.investmenthelper.org/investment_guide/what-does-a-diverse-portfolio-look-like-686738.shtml Editor Thu, 04 Feb 2016 08:39:02 -0500
How the Right Credit Card Processor Can Maximize Profits this Holiday Season

Is your business ready for the holiday season? Do you have plans in place for sales and advertising, and a good amount of inventory? While getting plans into place and stocking your inventory are important, you may be forgetting one more important thing for success- the right credit card processor. As you enter a season that is full of opportunities to increase your sales, make sure that your company is on the right track. Here are all of the different ways that choosing the right credit card processor can maximize your company’s profits this holiday season.

How You Pay Your Fees

The right credit card processor will not eat up your potential profits by charging you hundreds, if not thousands of dollars in fees. You must consider the flat rate that is charged, as well as the percentage that is charged on transactions. If you have a lot of small transactions (imagine you own a coffee shop and have transactions that are only a few dollars each), then you will lose a lot of money if you are charged a flat rate for each transaction. Additionally, if you have a lot of high transactions, then you would lose more money paying a percentage of fees than you would with a flat rate. Before you choose a company, consider the way that you make your money, as well as your average transaction amount. Then choose the one that can help you profit the most this holiday season.

Instant Authorization

Have you ever taken a credit or debit transaction, tried to collect at the end of the week, and learned that your customer’s bank account did not have enough to pay the bill? When you choose a credit card processor that instantly authorizes transactions, this will not happen. You can maximize your profits by ensuring that you get paid every time that a card is swiped at your place of business. You also do not have to change your collection date to take advantage of this- the credit card processing company will set the funds aside until you collect all of your transactions at the end of the week.

Increase Efficiency

Another trait you should look for in your credit card processor is the ability to increase efficiency within your business. The right processor will increase efficiency in two separate ways- by helping you service customers more quickly and by reducing the amount of time employees must spend at the register, waiting for sales to process. When customer service is more efficient, customers are more likely to have a good experience and return to make more purchases. When your employees spend less time at the register, they have more time that they will be able to focus on other tasks, which will reduce the number of hours of work that you have to pay for.

Better Response during Peak Sales Times

Whether it is the holiday season, in general or just a specific time of the day that you experience a sudden peak in sales, having a great response time is essential. The right credit card processor, such as Fattmerchant, will process card payments quickly, allowing you to move customers through the line faster. Not only will this improve the customer’s shopping experience, it allows your business to service more customers during peak periods. This allows you to make more sales during a specific time, which is a critical thing to be able to do during the holiday season. This is especially true if you have any days or times set aside for holiday sales or discounts.

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Financial Guide http://www.investmenthelper.org/investment_guide/how-the-right-credit-card-processor-can-maximize-profits-this-holiday-season-686737.shtml http://www.investmenthelper.org/investment_guide/how-the-right-credit-card-processor-can-maximize-profits-this-holiday-season-686737.shtml Editor Tue, 15 Dec 2015 02:40:36 -0500
How to Organize Your Tax Documents

Tax season is approaching and when it comes to your tax documents, it helps to be organized. This will save you time and energy when it comes time to file. If the IRS needs extra information from you, having organized docs will be a lifesaver. Luckily, organizing your tax documents shouldn’t be too difficult. Below is a list of tips that will help you whip your file system into shape. Use file folders, labels, highlighter, and any other material you may need in order to do some serious administrative work.

Create Different Folders for Income and Deductions

The two broadest categories when it comes to your taxes are incomes and deductions. Income forms such as W-2, Earnings and Dividend Statements, 1099s, and Investments, will go in one pile and deductions (Medical Receipts, Energy Saving, Charitable Giving, etc.) will go in another. But don’t get too comfy yet—within each of those two broad categories are subsections that should be divided for extra clarity.

Investments

If you make investments, which, according to Gallup, 54% of us do, divide them up in terms of time. Monthly, quarterly, and yearly investment statements should all be separated. You don’t want to have to sift through every paper looking for something that could be found by looking in one of three neatly divided categories. Organize the statements chronologically within those time periods as well.

Job-Related Expenses

Another subcategory that should be divided is job-related expenses. Non-reimbursed business, job-related, and job-search related should all be separated based on their category, as each pertain to a different form of expense.

Mileage

This is where a pen, spiral notebook, and highlighter will come in handy. So many people don’t deduct their mileage and end up missing out on some money that they could get back. Non-reimbursed miles for business reasons, medical or moving miles, and charity miles (miles you’ve driven for registered charitable organizations), are all deductible. Keep a notebook in your car for miles that fall into these categories. Make a habit of marking the date, trip purpose, miles driven, and odometer readings for these miles, as they can be deducted at the end of the year. For more information, check the IRS website for current mileage rates.

Chronology

As aforementioned, the chronology is an important part of tax document organization. Sort your tax documents in the order in which you received them—most recent to latest (or vice versa, whichever works for you). Keep color-coded tabs for each month so that you know the date received and can have a frame of reference when searching for a specific document or receipt.

Keep Copies  

One of the most important items on this list, keeping a copy of your tax return, regardless of whether you file it yourself or not, will serve as a handy reference. Keep it in a place that is easy to locate. Or you can you store them in an online storage organizer, such as Lucion’s FileCenter.

Make this a Repetitive Process

Make these organizational steps repetitive. Do them every year and keep up your tax document organization throughout the year. Don’t want until the day before the filing deadline to start getting the documents into their right places. Maintenance of your filing system will serve you well in the event of an audit or any other IRS-related problem. Both you and the government will appreciate getting any issues resolved quickly and thoroughly.

Tax season and filing paperwork don’t have to be a drag. If you don’t want to be buried under documents and tax forms, do your organization yourself and watch it pay off later. Even if someone else is filing for you, it still helps to maintain organization throughout the year.

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Financial Guide http://www.investmenthelper.org/investment_guide/how-to-organize-your-tax-documents-686736.shtml http://www.investmenthelper.org/investment_guide/how-to-organize-your-tax-documents-686736.shtml Editor Fri, 11 Dec 2015 11:24:35 -0500
How to Make a Profit Off an Investment Property

With real estate still being one of the best investments in today’s market, many people are interested in purchasing homes to either rent or renovate for profit. While many people can make a great deal of money off investment properties, it can be difficult to get a start in this type of business.

There are a few key things that can help you not only find the right property, but also to sell the property for a profit. Here are a few tips to keep in mind:

One of the first things to consider when it comes to purchasing an investment property is to consider who your target buyer is. Are you looking to rent out the property? If so, who is your ideal renter? A family? A couple? Or, if you are looking to sell the property, who are you angling for to make an offer on a house? Recognizing what you are looking for in potential buyers or renters can help you determine what types of investments to make within the home.

Once you have an idea of your target buyer, you can look for investment homes to purchase. If you are looking to sell to a family, look for properties for sale in family-oriented neighborhoods. Homes in safe neighborhoods with good schools nearby are extremely attractive to families, and you are more likely able to sell the home to a family if it is in the right location. Moreover, if you are looking to sell or rent out a property to couples or singles, look for urban properties near city areas. Lastly, when it comes to finding the right property to invest in, look for a home that has the potential to be a great buy—one with multiple bedrooms, bathrooms, and wide open spaces.

One of the trickiest aspects to selling a home for profit is renovating the home. While rundown or outdated homes are often the cheapest to purchase, it is important to note that renovations can become expensive, and in some cases, certain renovations will not yield much of a return investment.

When it comes to renovating, bathrooms, kitchens, and curb appeal of the top three best investments you can make, as the majority of people are willing to spend more on a home that is updated in those three areas. While many homebuyers do not mind having to spruce up a home’s paint or similar small projects when considering a home to purchase, but many consider it a deal breaker if the bathrooms, kitchen, or outside is in need of an update, for these seem like daunting tasks to the average person.

Apart from those three big renovations, other projects that offer a good return on investment are brand new flooring, bright, airy windows, and clean, open spaces, all of which are relatively inexpensive fixes.

It is important to have realistic expectations. Thanks to renovation shows and websites, it is easy to assume that your property will sell immediately and possibly above the asking price. While this is a possible reality, in many cases, the housing market can be fickle, which can lead to your investment waiting for a few weeks to a few months before the right offer comes along. In order to help sell your property as quickly as possible, set the asking price at a reasonable number. Research what other homes in the area are selling for, gauging those target prices against your property. This will make your property a contender against these other properties, which can help your home sell more quickly at a higher price.

During the selling process, keep an eye on the property, making sure it is both secure and relatively clean at all times, especially if no one is living in the property. If the home has a realtor lock box, giving a realtor the ability to show clients at any time, it is important that the home maintains a clean, homey atmosphere. Moreover, checking on the property will help keep the home safe, as many burglars look to steal appliances or electronics from homes on the market.

Keeping these tips in mind can help you make a profit off of your investment property, offering you a viable, sustainable business.

Image Source: https://pixabay.com/en/family-home-backyard-house-700225/

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Mutual Funds http://www.investmenthelper.org/investment_guide/how-to-make-a-profit-off-an-investment-property-686735.shtml http://www.investmenthelper.org/investment_guide/how-to-make-a-profit-off-an-investment-property-686735.shtml Editor Wed, 11 Nov 2015 08:27:44 -0500
Successful Ways to Assess Investment Performance You cannot use the amount of the return alone to assess the performance of your investment. After all, even though your stock portfolio may be up by 15%, it does not mean that it is performing quite as well as it should. So, how can you identify how successful your investment is? If you are at a loss, here are two ways not to assess your stocks and three proven ways to assess your investment portfolio successfully.

Why You Shouldn’t Use Indexes

The problem with using indexes is that they are usually based on a single stock market. If you have a diverse number of investments, you should not be investing in a single country. Therefore, indexes are not a good indicator of the performance of your investments. They can show how well you are performing against a single company, but not against the entire stock market if you have a diverse portfolio.

Why Your Return Amount is Not a Good Indicator

Obviously, higher investment amounts mean a higher return amount. Therefore, the actual amount of return is also not a good indicator of how well your stock is performing. Even if your return amount continuously rises, it is not necessarily a good indication that you are performing as well as you could. You should resort to ratios or measures to indicate how well you are performing overall.

The Treynor Measure

This measure was created by Jack L. Treynor, who was the first to compute a measure of performance that included the level of risk. He did this by isolating the two separate parts of risk – risk from the fluctuations of individual securities and risk from fluctuations in the market. This used the concept known as the security market line. The security market line is the relationship between the market rate of returns and portfolio returns. It can be calculated by subtracting the risk-free rate from the portfolio return and dividing it by the Beta, which is the return of market minus the risk-free rate of return.

The Sharpe Ratio

The Sharpe ratio is very similar to the Treynor measure because it calculates the risk of your investment. However, it does this using standard deviation instead of the beta. This is done using Bill Sharpe’s capital asset pricing model and compares your investment against the capital market line. There is a very simple formula used to calculate this. You take the difference between the portfolio return and the risk-free rate and divide it by the standard deviation.

The Jensen Measure

The capital asset pricing model is also used to calculate the Jensen measure. The Jensen measure was created by Michael C. Jensen, and it takes into account the excess return on investment over the expected return of the same investment. This is known as the Alpha. It can be calculated by subtracting the benchmark portfolio return from the portfolio return. The benchmark return is calculated by adding the beta and the risk-free rate of return.

Regardless of the amount that you are investing, every investor wants to know that they have chosen stock wisely. Using measures and ratios such as the Treynor Measure, Sharpe Ratio, and Jensen measure are essential to establish confidence in your investment. They give you the chance to reassure yourself in the performance of your investments overall, and look at much more than just the comparison between another index or the rate of your return. For the best possible assessment of your performance and risk, it is best to use all three of the ratios discussed here. Beyond simply measuring stock market performance, you also want to make sure you bet on winners. Using investment intelligence resources like investwall.com is an excellent way to secure your success in the stock market.

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Investing Basics http://www.investmenthelper.org/investment_guide/successful-ways-to-assess-investment-performance-686734.shtml http://www.investmenthelper.org/investment_guide/successful-ways-to-assess-investment-performance-686734.shtml Editor Tue, 08 Sep 2015 21:34:59 -0400
Investing 101: What is a balanced mutual fund? If you are new to the investing game, educating yourself can seem like something akin to learning a whole new language. Before you delve into investing, however, it’s important to understand some important terms. “Balanced mutual fund” is one such term with which you should familiarize yourself before you start investing.

Essentially, mutual funds are classified in accordance to the types of investments they own. For example, some mutual funds specialize in stocks and they only own that type of investment. Those funds are called equity mutual funds. Other mutual funds only own bonds, and these funds are known collectively as fixed-income funds or bond funds. Mutual funds that own both stocks and bonds are called balanced mutual funds or, alternatively, blended funds.

There is a benefit to mutual funds if they opt to own both stocks and bonds. Basically, by owning both these mutual funds widen the pool of potential investors. They can attract investors looking to invest in bonds, those strictly interested in stocks, as well as those who want the luxury of not having to choose.

Many investors prefer to invest in funds that allow them to sink their money into a variety of things, including both stocks and bonds. Why? Because not only does this scenario likely increase the chance at a good return on investment, it also insulates the investor’s investment against major disaster should a bear market rear its head. On the downside, this investment strategy also means fewer gains in a bull market. This is because when the stock market takes a downturn, bonds hold on to their value more effectively than stocks, and when stock markets rise, bonds are typically lower yielding. Stocks and bonds offset each other in this way, creating a balance. Hence, the term “balanced fund.”

There is some risk associated with investing in a balanced fund. Namely, the expense ratio (the cost paid by the mutual fund on the behalf of its shareholders) may actually be higher than that which would be paid if you were to purchase a stock and a bond fund separately. This isn’t always the case, however. It’s just something about which investors should be aware.

Particularly for new investors who may be timid about the risks involved in some types of investing, the biggest advantage of balanced mutual funds is not really a financial advantage at all. It’s about perception. Because the risk versus reward is balanced in this type of investment, investors are less likely to panic in the face of a bear market. Similarly, when a bull market emerges, there’s no need to hold one’s breath waiting for a crash; your investments are fairly insulated. Many investors, especially green ones, would sooner choose a slightly diminished return if that return also comes without the threat of massive downturns and potential for serious loss. That’s a much less stressful concept than funds that come with the potential for big returns but also the possibility of a catastrophic drop. That is the appeal of a balanced fund.

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Mutual Funds http://www.investmenthelper.org/investment_guide/investing-101-what-is-a-balanced-mutual-fund-686733.shtml http://www.investmenthelper.org/investment_guide/investing-101-what-is-a-balanced-mutual-fund-686733.shtml Editor Mon, 31 Aug 2015 11:24:27 -0400
What are Binary Options All About Over the years binary options have become increasingly popular among investors. It is a financial option where there are only two possible outcomes: Paying off a fixed amount as per the initial option or not paying off at all. Essentially the trader is ‘predicting’ what they feel will happen to the product over a certain period of time (i.e. will it close higher or lower at a certain time), and if they’re right they make a profit, but if they’re wrong they do not.

Advantages of Binary Options

A big part of the popularity of binary options is due to the advantages that they provide to investors. Some of these advantages include:

Limited and Known Risk

Although binary options only allow you to make a profit or lose, the risk involved is limited to what you initially invest. Prior to investing, you will already know exactly how much you stand to profit as well as exactly how much you could potentially lose and can thus limit your risk and exposure to whatever you see fit.

High Potential for Profit

With binary options, the returns on an investment is typically higher than most other types of investment, and tend to average around 60% to 90%. Primarily this is due to the risk of potentially losing the investment itself but compares well to other investment opportunities such as forex trading where the average weighs in at about 10% to 15%.

Fast Turnover Rate

The turnover rates on binary options can differ quite a bit, but some are as low as 10 to 15 minutes while others are as high as a day or more. Generally though that is still a much faster turnover than many other investments, so you will know the results in a short span of time.

Easy to Access and Understand

Unlike most financial options, binary options are extremely easy to understand – even for relative beginners. All the information about the option such as the investment required, the potential profit, the potential losses, and the duration are provided upfront. Many binary options trading brokers have made the process of trading extremely accessible too.

All these advantages have made binary option trading extremely attractive, both to more experienced investors and beginners alike. Just like any investment there is some risk involved, but there is a considerable potential for high rewards over a very short span of time.

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Stock Market Investing http://www.investmenthelper.org/investment_guide/what-are-binary-options-all-about-686732.shtml http://www.investmenthelper.org/investment_guide/what-are-binary-options-all-about-686732.shtml Editor Thu, 20 Aug 2015 13:06:24 -0400