Many people think of options trading as very risky and suitable only for the high rollers. This article briefly surveys how options can be used in conservative financial portfolios to boost the income from your stocks.For the purposes of this article, lets assume we have a stock portfolio of conservative stocks, e.g., IBM, GE, etc. We may be realizing moderate price appreciation of the order of 5% annually plus dividend yields of 3%, for...more
You have probably heard people refer to options as a risky enterprise, akin to gambling. And it is true that options trading can be very risky, especially when engaged in with minimal knowledge and preparation. The average stockbroker or financial planner does not have sufficient options knowledge to guide you in the use of options in your portfolio. But that doesnt mean options cannot play a role in a conservative portfolio of stocks.The...more
One of the most misunderstood topics in real estate is Seller Financing. This is probably because the topic of seller financing is usually discussed from the perspective of the buyer. And in most cases the buyer is a beginning investor who is trying to get a good deal or they are starting to buy property with no money down. But all too frequently the deal falls apart and the stories explode about the problems of seller financing. It is time to unfold the power of seller financing and the simple secrets and techniques to keeping the transaction a positive experience for everyone. While most people can explain the benefits of seller financing for a buyer what most people dont understand is that seller financing is actually better for the seller than it is for the buyer. Here are several ways that the seller can benefit from offering seller financing on their property:1. Timing The seller has complete control over the timing of the sale when they are offering the financing. The seller can determine just how long it will be before the sale closes. The seller can determine how long they can stay in the house after the sale closes. The seller can determine exactly how...more
If your idea of the perfect holiday is to explore the mysterious pyramids of Egypt and discover its ancient culture, or relax on a white powdery sand beach and dive in amazingly clear waters, then you have to visit Hurghada. The magnificence of the legendary waters of the Red Sea and the scenic landscapes of the desert of Sinai are just some of the...more
Inbound Call Center Services are used by small or large organizations which offer services and support for selling of product or services. At some point of time a business cannot handle large volume of customer responses (query or request). They then turn to inbound service providers as a solution. By definition, an inbound call is one made to a...more
Now, if you have cash lying around, thats even better. Did you lose money in 2008 and 2009 in the stock market? Did you lose money in real estate? And do you still have money left in treasury securities, or CDs, and what are you going to get out of that - 2 or 3%? Well, isnt it better to put it to work in something that give you a guaranteed minimal return and the principle is guaranteed? Do you want to eventually get tax-free retirement income? Obviously, we all dont have $100,000 cash lying around, but we do have equity in our homes which we can reposition, or other real estate such as commercial estate property. but it definitely is better to have your money grow in a taxable environment as opposed to a non-taxable tax free retirement income. You may use the returns from the repositioning of your real estate for retirement income or for other reasons such as an emergency fund. Your money can grow at an average of 7% tax free and currently you can borrow at 4 to 5% so, financially, the numbers make a lot of sense. Here is another example, if you are 45 years old and deposit $100,000, at 65, you will have $600,000 of tax free income. Thats a great asset allocation model....more
Are you tired of working as a wage slave? Of being expected to carry out orders? Of being assessed by mindless superiors? Would you rather build a business of your own, instead of helping your boss expand his? Then perhaps the time has come for you...more
Refinancing is the process of converting an existing mortgage into a new loan. Usually, refinancing is done for one of three reasons: to save money, to convert the existing mortgage to a new type, or to exchange some of the equity in the property for...more
Franchises and Basic Concepts of BusinessIn order to truly understand the concept of Franchising, an exploration of the basic concepts of business is required. There is no magic in that. It just makes sense in order to provide clarity about the...more
Investors often ask me, " Should I buy gold ?" The answer is simple, in my opinion: Gold should be a part of every investor's portfolio. Whether or not you believe gold is going to appreciate short term or not is a matter for speculators, but smart...more
With over 3-million American families currently behind on their mortgage and facing foreclosure, there has been a huge increase in the number of mortgage loan modification applications filed over the past year. Almost all homeowners realize that...more
Arranging for money to settle a sudden financial obligation can be a very tough job for everybody these days. What with the current economic recession that has hit every one the wrong way! Every body seems to lack money so you cant go to your...more