Investing without insurance!

Why does the average investor is making far less money than the sophisticated investor? Well, they are lots o reasons why these happens.

One of the most important reasons is the lack of financial education, and the lack of information, which in our era is more important than the usual education, the kind of education that we receive at school.

The average investor, invests accordingly with the advices that they are receiving from their financial advisors...

"Invest on long term. Diversify. Buy cheap stocks."

And they continue to buy and lose. But what happens when the market is starting to fall? What are the financial advisors telling them?... "Don't worry. Continue investing on the long term."

But how long is the period included in the expression "long term"? In the operations known as "commodity futures", the expression "long term" could mean 30 seconds. In business or real estate, the same expression could mean centuries.

The majority of the people who invests at the stock market, are people over 50 years and in a few years will retire. What will this people do if the market will crush tomorrow, or next month, or next year, or over 5 years from now? Are they protected? Are they prepared for that?

An article from USA Today, says that the main fear of Americanness is not having money.

Do you realize? Americanness don't fear of a nuclear war, or the end of the world, or a new terrorist attack, they fear of not having money.

Then, why do so many people is investing without insurance? Why so many people is risking all the savings, all the money they worked for they're entire life?

You can become rich when the market grows, but you can become very rich when the market falls.

The investment process doesn't have to be risky. Although the risk exists, the investments doesn't have to be risky. And you don't have to lose when the market decrease.

Tell me, please... Would you buy a car without insurance? -- That would be a total madness.

Would you buy a house without insurance? -- That would be even a bigger madness.

Do you agree with me?

If yes, tell me lease...

WHY DO YOU INVEST IN PAPER ASSETS WITHOUT INSURANCE? (sorry for shouting)

The average investor is interested by average things, that's why is average. Average things are for the average people. Average investors like lukewarm things. But, if you want to be rich you must move away from the medium.

The average investor wins when the market grows and lose when the market decline.

The sophisticated investor makes money in both situations, especially when the market declines.

So, while the average investor invest without any kind of insurance, the sophisticated investor invests with insurance.

And guess who is making more money, in less time and with little or no risks.

So, if you want to be a rich man, think like an rich man.

investor an business man -- learn-business.blogspot.com -- You are free to reproduce this article as long as no changes are made and the author's name is retained.

Investing in Sacramento

Sacramento offers a variety of investment options to a prospective Sacramento investor. Residential real estate housing ranges from low-income properties to multi-million dollar estates and is known to have had some of the best appreciation rates in the state. Sacramento has also seen marked advances in commercial real estate with the construction of new high-rise buildings, expansion of employment centers and increases in industrial activities. Sacramento attracts high tech manufacturers, Information Technology companies, biotech and medical research laboratories, and food processing industries.

The proximity of Sacramento to the San Francisco Bay Area, and the lower housing costs in the region have resulted in many people moving to Sacramento and commuting daily to offices in the Bay Area. The median home price in Sacramento is in stark contrast to the median price for a Bay Area home. While the Sacramento County's median home price was $353,750, the SF Bay Area median price was $628,000 in April 2006.1 This big difference in the housing prices, together with the consistent growth of the Sacramento real estate market has attracted many investors to the County.

Investing in a real estate market like Sacramento becomes more lucrative because of the increasing housing prices. This price rise has two consequences for the investor.

1. The return on your investment can be phenomenal especially when you use leverage to your advantage. (Leverage is when you use more of borrowed money and less of your own to buy the property). 2. The increasing housing prices have made buying a home less affordable to many people, which can result in an increased demand for rental properties.

What can be music to the ears of investors is the fact that though the real estate prices are on the increase, the rates of interest on mortgages are still hovering near historic lows, making this your opportune time for investing in Sacramento.

For the real estate investor there are plenty of options for investing in Sacramento. If you are a first time homebuyer, you may consider investing in a duplex rather than a single family home. The advantage would be that the rental income from your tenant can be used to greatly reduce your monthly out-of-pocket mortgage expenses.

If you are a handy person and willing to work on a property, an excellent investment option may be a fixer upper. Fixer properties are usually sold at a discount to the market, and when fixed up, can be sold at full market price. You may also want to consider condos as a long-term, low risk investment option. Residential units like single-family homes, condominiums and residential income properties like Duplexes, Triplexes, and Fourplexes are good investment opportunities in Sacramento.

Whatever your choice of property in the Sacramento real estate market might be, ultimately it's important to consult a reputable Sacramento real estate professional who can guide you through all the details and make your real estate purchase an enjoyable experience.

1 Source: DataQuick Information Systems

This article was written by Sacramento real estate agent, Kevin Scolastico, of Coldwell Banker. Whether you are looking to buy or sell residential or investment real estate, you can count on the Scolastico Team to provide personal and professional service. Please be sure to visit my website at: www.KevinScolastico.com. Reproductions of this article are encouraged but must include a link back to my website.

The High Yield Investing Dominoe Effect

With the recent changes in Nova-lights (Pegasus, Stargame and TMA) (More info at http://www.talkgold.com ), there is sure to be major problems across the entire hyip arena. HYIPs that rely on other programs to make a return, are going to be hit hard. These are the HYIP pools. They invest in other program to earn a return for their members. Some pools are publicly known, while other pool programs claim to do trading while they actually rely on the larger programs like Nova-lights.

We truely believe that atleast 70% of all HYIPs are relying in some way off of Novalights. With the new rules that Nova-Lights has put in place which will cut payouts to under 0.5% per day and lock the principle in for 1 year, we are speculating that there is going to be a major collapse in the number of paying HYIPs. We suggest most people wait a couple weeks for the dust to settle before making any major investment decisions.

This has basically been a trend that we wrote an article about months ago. Its the "Peak and Valley Trend". For a period of several months (The Peak) there is a major program which seems unstopable. This program is usually over invested in, and relied upon by many smaller less known HYIPs. Then this major program either collapses, or changes its payout structure. This causes the Valley, where nearly 50% of all smaller programs collapse and a shockwave is spread thoughout the entire HYIP arena. We believe that we have just entered "The Valley" period. How long will this period last. Could be 2 weeks or could be as long as several months. It will all depend on whether or not a major program emerges that can gain investors trust.

To sum things up, after studying nearly 3 years of internet HYIP's we have seen this trend over and over again. We recommend that you as an investor stay conservative until a program that you can truely trust has emerged.

Member of http://www.talkgold.com/forum & http://www.TheHyipForum.com Hyip money making communities Reviewing http://www.Becomehated.com

My Third Real Estate Investing Deal, Another True Nothing Down Deal. 

My third deal as a real estate investor involved almost no money out of pocket for me at all. The home was in good shape and had only been built about 14 months earlier. The home is in a neighborhood where several builders had unsold homes on the street making it very difficult to sell a used home. The seller had an unusual motivation for wanting to be rid of the house: he wanted to forget an ex-girlfriend as he had bought the house to get married and for them to live there. The seller contacted me through an online lead site and looking over the deal I knew it was in an area that isn't very good for retailing homes right now due to over building in the area. So what I did was offer to lease option the property from him. Like many sellers, the idea of a lease option doesn't sound that enticing. Most sellers need all cash and have no equity. Well my seller had a little equity, didn't need any walking money, and knew he couldn't sell the home otherwise and had been trying for a few months with no luck.

After about a month the seller contacted me again about doing the deal. So we met at his house and signed a purchase and sales agreement, a memorandum of option, an option agreement for 72 months, a lease agreement with right to sublet and a seller's disclosure. We agreed to a $125k purchase price and a $1038 rental payment. Other similar homes in the neighborhood were listed at $145k and this seemed like a reasonable deal to me. I agreed to start paying him rent as soon as I found a suitable tenant/buyer.

I paid to run an ad in the local paper which was my only expense. I had several interested people and took applications from a couple of prospects and selected the best applicant. We received a $3500 non refundable option fee towards the future purchase of the home at a price of $149k and a rent agreement for $1250 per month with $100 credit towards purchase for every on time payment with a 2 year agreement. With my tenant buyer we signed a purchase and sales agreement, a lease agreement, an option agreement, pet disclosure, and a couple of other papers. This is a pretty good deal as I have a decent tenant who can probably qualify for a mortgage within the 24 month time span we agreed upon giving me about a 50% chance they will buy at the end of the option period. I received a non refundable $3500 check up front against my back end profits which isn't taxable until the option is exercised, as well as a $212 monthly rent profit. I expect to make close to $30k profit on this deal once my tenant buyer refinances and cashes me out.

What I did wrong on this deal was agree to pay the rent directly to the seller instead of having the checks made payable to the lender directly. On a positive note the deal is decently strong and I have good cash flow and if my tenant doesn't buy I can easily put another tenant buyer in this property and collect another option fee as this is a desirable area.

David offers a free E-course on quick start strategies for getting started in real estate investing that is delivered free via email and tele-clinic at: http://www.FreeRealEstateInvestingCourses.com

Tips For Commercial Real Estate Investing

Most of us have looked at a piece of property at some location and have thought something along the lines of, "If only I had known that the prices would go up that much, I could have bought that property and would be rich today". While this is generally a true statement, the fact is that the property often takes a large initial investment in the first place, depending of course on the location and on the size. Investing in commercial real estate means investing in a large piece of property, and like any investment it can entail quite a bit of risk. Here are a few tips to help minimize your risk when considering investing in commercial real estate as well as maximizing your profits.

Everyone seems to be sold on current television shows that portray investors buying property at low prices, fixing them up, and selling at profit. These are not tricks of the television, it is certainly doable. However, many people make the mistake of overestimating their abilities and underestimating the cost of fixing up these properties. Commercial opportunities are even larger scale, so it might be best to consider your first purchase of commercial real estate in a smaller package with less initial work, and rely on the chances of the property increasing in value or in attracting other investors to turn the establishment into a more valuable enterprise.

Remember that investing in real estate is not a get rich overnight gig. Real estate takes some time to mature, although it usually seems that once a location hits a certain plateau prices begin to increase astronomically. Consider your budget for initial investment, and buy accordingly. For example, purchasing a building in New York is a guarantee to make money ten years down the road, but is out of the question for most buyers. Many cities have growth potential, however, so it is not a bad idea to consider buying lots within existing neighborhoods which sooner or later will require their own convenience stores or shopping centers. As with residential real estate, location is the prime concern when considering a commercial real estate investment, and patience will be a virtue.

If you have several commercial properties already, you will know that investing can become a full time job as the concerns of renting, maintenance, and zoning continually pop out. It is no knock on your acuity to decide to sell one or more of your properties, as long as you choose your time and the price accurately. Have a price in mind that will et you a profit over what you initially put in, and do not sell for less unless the property is a real hassle. Also, do not get greedy- if a good price comes along, do not try to squeeze more out of a buyer or you may lose the bid altogether.

Investing in commercial real estate can lead to a great diversification- there is opportunity to invest in land for future development, condominiums, shopping centers, trailer parks, and other rental properties. The best way to go with your commercial properties is to obtain a lease agreement, which will ensure an income flow while also allowing you to retain the property.

Dexter Stoakley maintains a website loaded with real estate tips.

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Mutual Funds

A mutual fund is perhaps one of the most popular means of long term investing and is the vehicle of choice in IRAs and 401k accounts. A mutual fund is basically a way of investing in a pool of different companies in order to minimize risk.

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