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Long-Term Investment Long term investments includes investments which cover longer periods of time. It can be held for a period of years (between 5 years to 25 years} or more. Your choice of the type of investment depends on your risk outlook.

Treasury Bills

This comes in-block and is used by government to help the public and to prevent too much money in circulation. The minimum depends on the government involved but is mostly in multiples of 10,000.

Bonds: Bonds come in various forms.

They’re known as “fixed-income” securities because the amount of income the bond generates each year is “fixed,” or set, when the bond is sold. From an investor’s point of view, bonds are very similar to Certificate of Deposits, except that they are issued by the government or by corporations instead of banks.

Stock: Stocks are a way for individuals to own parts of businesses. A share or stock represents a proportional share of ownership in a company. As the value of the company changes, the value of the share in that company rises and falls.

They can be Ordinary Shares or Preference Shares. Debenture loan stocks are also available in some companies.

Choosing long term investment means an Investor is comfortable enough to overlook fluctuations to his investment i.e after a series of short term investments, resources are now pooled together to obtain a longer term investment portfolio. This investment option means that you cannot pull out your investment capital on impulse (at least not as easily as going to the bank to withdraw your savings)!. An Investor in the long term must be more versatile. Monitor your investment by watching stock indices, obtaining an analysis of the various companies you have invested in.

catherine is a professional accountant and an investment consultant. visit http://www.adcatinvestment.blogspot.com

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The Forex Brotherhood is an elite club of traders and is promising to be the most elite forex community on the internet.

Forex Brotherhood is a limited, private forex community which will feature the most elite online Forex traders as part of it’s contributing community and this article will give you a brief Forex Brotherhood review. This is what we can tell you so far about what you will receive in this revolutionary community;

• 2 Daily reports
• 2 Daily Webinars
• X Expert Advisors
• Meta Experts
• Archived Content (reports/videos)
• Tech Support
• Loyalty Program: Gifts/Bonuses/Perks
• VIP 20+year trainer hosting it all
• Cannot say anymore

Forex Brotherhood brings advanced software to help traders, a dedicated support forum for further assistance and an archive of articles to help all levels of traders, from clueless beginners to the most advanced. If you’ve been struggling along trying to work out how to turn profits in the forex markets, this community might just be able to help.

Forex Brotherhood will combine the best forex software on the internet with extensive coaching from forex experts in order to educate forex beginners into experts. Forex Brotherhood might just be the package the traders and beginners alike have been waiting for, the complete package. Automated trading programs and advanced teaching will allow you to become a professional forex trader. Forex Brotherhood should be worth checking out for those looking for help in understanding forex, and more importantly, earning an income from forex trading.

This community is limited to only 1000 members. Make sure you check out my full Forex Brotherhood Review before it fills up.

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“The main reason people struggle financially is because they have spent years in school but learned nothing about money. The result is that people learn to work for money. . . but never learn to have money work for them.” Robert Kiyosaki

The #1 New York Times Bestseller “Rich Dad, Poor Dad” is a story about the money lessons that Robert Kiyosaki learned from his two dads, his biological father, who was his poor dad, and his best friend’s father, who was his rich dad. Poor dad was a Ph.D. and held a very important government position, but he never had enough money at the end of the month and he died broke. Rich dad dropped out of school at the age of 13 and went on to become one of the wealthiest men in Hawaii.

“Rich Dad, Poor Dad” is a must-read for anyone looking to develop a rich person’s financial programming and mindset. The first important lesson this book teaches is the following: Don’t work hard for money; instead, have money work hard for you.

Kiyosaki explains in his book that there are three types of income:

• Earned income

• Passive income

• Portfolio income

Poor dad taught his son Robert to go to school, study hard, and get good grades so that he could find a secure job that would pay him a good salary and give him excellent benefits. That is, he advised him to work for earned income, or to work for money. However, there are several problems with this strategy. First, income streams from a salary are linear: you only get paid once for your effort. If you stop showing up for work, you stop getting a paycheck. It’s like being on a treadmill. Second, earned income is confined to the amount of time that you work, and time is a limited resource. Therefore, there’s a limit to how much earned income you can make. And third, earned income pays the most taxes.

Passive income is income that does not require your direct involvement. You make a strong initial effort to get this type of income started, but then you do minimal work thereafter to keep it going. It can be income derived from royalties–for example, you write a book–, income derived from patents–you invent something–, income derived from real estate, and so on. Brian Lee at geniustypes.com swears by bulk candy vending machines to create passive income. There are many ways to create passive income and the key is to be on the look-out for passive income producing opportunities.

Portfolio income is generally derived from paper assets such as stocks, bonds and mutual funds. Bill Gates is one of the four richest men in the world because of portfolio income, not earned income. That is, he’s rich because of the stock that he owns, not because of the salary he earns. One of the many benefits of portfolio income is that paper assets are easier to maintain than other types of assets.

Another way to think of passive and portfolio income is as residual income.
With residual income you work hard once, and it unleashes a steady flow of income for months or even years. You get paid over and over again for the same effort. That is, you get paid multiple times for every hour of work and the stream of income continues to flow whether you’re there or not. Therefore, you can spend your time doing things other than working for money. In addition, how much money you make is not determined by how many hours you work, but by how many residual streams of income you create.

Rich dad would say to Robert: “The key to becoming wealthy is the ability to convert earned income into passive income and/or portfolio income as quickly as possible.” Start looking for opportunities to create passive and portfolio income and develop a disciplined, well-planned strategy for your money.

Written by Marelisa Fábrega who blogs at http://abundance-blog.marelisa-online.com

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The battle for ultimate supremacy will begin on August 16th. But there are a few questions raised on the champions of yesteryear. With last year’s title hunt lasting till the last match played, this year’s title promises nail-biters even before the season starts. Now, let us see what we can expect from this season of Barclays Premier League :

The Champions : Manchester United

Chasing their third straight EPL title, ManU has been in news all this summer (thanks to the transfer saga regarding Cristiano Ronaldo’s move to Real Madrid.) And with the news that Ronaldo is staying for atleast another season, the fans and Sir Alex Ferguson can expect that their double title treat can continue this season also.

ManU’s attacking has to furious this season if they have to beat Chelsea and Liverpool. They are in desperate need of a striker who will round-up the formation (Ronaldo-Roonay-Tevez.) Maybe Tootenham striker Dimitar Berbatov is the right choice that ManU will opt for before the transfer session ends. And this season may also witness the genius of Wayne Rooney taking the center stage this time.

Equipotential Challengers : Chelsea

Missing both Champions League and English Premier League to ManU with slight differences, Chelsea has undergone a massive change this summer to be the perfect team this season. Avram Grant’s failure to bring glory to Stamford Bridge made his way out of Chelsea. And then came the Portuguese flavor.

They signed “Big Phil” Luis Felipe Scolari as their new manager. Chelsea also bought Barcelone playmaker Deco and Jose Bosingwa from FC Porto. Rumors had it that Ronaldinho, Eto’o were to join the Blue team. But they had to settle with Didier Drogba’s extended contract and now they are not sure if Frank Lampard is committed with them for long-term. However they are equally matched favorites for this season with a strong midfield presence of Michael Ballack.

Battle for third : Arsenal

Arsenal saw a big change in the team formation as Jens Lehmann, Mathieu Flamini, Alesander Hleb and Gilberto Silva left the club. Their replacement for Hleb is French international Samir Nasri. Welsh teenage Aaron Ramsey’s sign is a big step for manager Arsene Wenger.

Midfield is still a challenge for the manager. Cesc Fabregas needs a good companion in the segment for the team to be a consistent and good performing team. Emmanuel Adebayor remains the key player for the team. This season they have to play really hard to secure their third spot. Truth be told, any title win is still a mile away, but with miracles happening all around, they need a lot of luck.

Waiting for History : Liverpool

It is always hard to write them at the end of any list. Because they were once the king of kings. Liverpool is still looking to end their 18 year long for the title. The difference this season could be Robbie Keane, their new 24 million pound striker from Tottenham Hotspur. This makes their forward (along with Fernando Torres) a lethal one. But the team as a whole needs to play their 200 percent if they can expect of any title this season.

Whose our money on : ManU are still the best in the game. But soccer is not about one team and that makes it a interesting sport to watch. So support your team (whichever) and enjoy the game more than anything else.

http://soccergauge.blogspot.com/

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Before you set sail on your tempestuous voyage to attempt to make your living in the cut throat business of Forex trading, for all Forex Newbies, here are my top 5 Tips you Must adhere to if you do not want to end up in the Forex graveyard for novices.

1) Get yourself an Excellent Broker: Forex Brokers are a dime to the dozen on the Internet. There are loads of average Joe’s, a few scammers and a sprinkling seasoned pros’s. The PipBoxer crew come highly recommended, search the forums and ask experienced traders. Check when they joined and how many posts they’ve made, if it’s over a Thousand then the chances are they know their stuff and will be able to steer you clear from the pitfalls and recommend a class act.

2) When to Trade?: The best times to trade are during peak hours when volumes are at their highest. Reason being that because of the sheer volume of traders the currency is only affected by market forces. During low volume hours, a big player can push the market currency in a completely different direction, so unpredictability plays a major factor.

3) Avoid Guess Work: The Forex Trading Exchange can simply not be guessed. Sure you may get lucky, but you will ultimately fail. If you do the Newbie Graveyard will have a spot reserved just for you.

4) Get into a Routine: Stay disciplined and always get out when you should. This really is a fundamental rule. Recite Top Tip 4 every morning you wake up!

5) GET yourself Automated Software: An absolute MUST for Forex Novices. Most software packages come with demo accounts where you can practice with play money on live markets before diving in. Some more expensive automated trading software also comes with on-line Forex brokers at hand 24/7 so that eradicates Top Tip No’1 should you choose this root. All automated software trades 24/7 when margins have been put in place and if you’ve done your homework correctly, you will earn while you sleep- not a bad way to greet each morning!

Visit The PipBoxer Review to get the full breakdown on this Ultimate Trading Software Tool used by Forex Traders Worldwide. You can also put the Forex Tracer System to the test on a Demo account first. You can do that here at http://www.forextracertrading.com which allows you to trade with play money, so you won’t be risking a penny.

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Forex Trading is learnable for the normal person that is interested in the subject of
forex. But you don’t have to worry if you are not interested in the subject forex, but you
can see the opportunity in currency trading, it still also learnable. I only say this because
I find it easy to learn anything easier if you truly have an interest in the subject.

It just takes a little dedication with study, like any other skill and talents we as people
develop. What you do need in order to learn how to trade in the forex market is to
indulge ones self in all the free content they can get their hands on. When free
information doesn’t cut it anymore or it’s not enough, then purchasing a beginner’s
course with tutorials will help you succeed in the learning process.

One thing you will be finding out as you go along is that learning and sticking to a forex
trading strategy or a flexible plan is essential to survive in the fx market. When starting
out, be sure to just stick to practicing with a demo trading platform. These platforms are
usually provided in the software that you will download when signing up with a forex
trading company. That is always the safest manor how everyone must start out until they
really have a feel for how the currency markets work.

You must be careful when starting to trade with real money, and try to keep your
emotions out of your trading game. It is not unheard of for a person to not succeed at
first and turn to finding a forex mentor. However, this is probably the most expensive
method, but if you think with a long-term mind set it could be a very wise investment.
Since there is a lot of money to be made with in this forex currency trading market
online.

Whatever way you decide how to learn to trade in the forex market, don’t give up. There
are lots of resources from group forums, to blogs, to pdf ebooks that will give you the
information you need to be a skilled trader.

Want to get a better grasp on Forex go to Prolificinfotoday.com and find useful trading information

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Forex is the shortened term for foreign exchange. The actual trading does not involve commodities like shares or stocks. It is a financial market where currencies are being traded with other currencies. Forex trading is expressed in currency pairs.

For example: US dollars and Euro or US dollars and UK sterling. The investor will get a return of his investment in terms of the relative ‘exchange value’ of a certain currency against another foreign currency. Basically you are betting on one currency against another and try to profit by the fluctuations with the two currencies.

Many traders don’t know that forex is just short for “foreign exchange”. So trading the forex market is simply trading foreign currencies. If you are a Forex beginner – Caution: “Do not attempt to trade until you receive the education and training to become a successful trader. There is substantial earnings to be made in the forex currency foreign market, but trading in the Forex is for the well-informed”

Forex trading used to be done only through phones with brokers manning them. A small investor or or a group of investors needs to go through their brokers to make their trades. But now, this process has now been made faster and easier. Being in contact with a forex trading company or your personal broker can now be done through a computer with an internet connection.

Learning the Process. Don’t Do Anything Stupid

Learn more about the history of forex trading, and general statistics of forex market. Get information about trading procedure, currency pairs, and forex trading systems. Always ask around before make trading and follow the method that the expert used. Do not try to be hero in forex trading you will lose everything. You must keep in mind the volatile nature of the market before plunging in. Learn how to trade with free demo forex accounts and free, practical trading e-books. When looking for forex brokers remember to ask for a free forex demo account. This is the most important things.

Conclusion

Forex trading is very appealing to the online trading newcomer as it can be a very controlled environment, and very simple to understand.

W.M.REDZWAN is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Islamic Banking (Law) and is currently assisting easy-debt-consolidation-loan as a finance specialist. Visit his blog for more information at {FOREX DEALING}

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An introduction to Forex trading must first start with the understanding that Forex is the world’s largest and most liquid trading market and often times considered as the best home business anyone can ever venture into even with the much talked about risks of Forex trading. But trading Forex without understanding what exactly Forex is all about is where majority of the risk falls into. It is no secret that on daily basis more and more investors are shifting from stocks and other financial vehicles such as bonds and commodities to the all-electronic world of Forex trading for income and profit because of its numerous benefits & advantages over traditional trading vehicles such as those mentioned above.

The foreign exchange which is often times referred to as Forex and it is not traded from a central exchange as is the case with stocks. The Forex market is traded over-the-counter (OTC), or the Interbank market. The interbank market is the network of banks which are linked electronically 24 hours and the trade of foreign currency is conducted through these banks.

As an investor in the Forex market what you are doing in essence is simultaneously exchanging on countries currency for another. A good illustration is as follows: GBP/USD -The first currency (in this example, the GBP) is referred to as the base currency and the second (USD) as the counter or quote currency. So if you buy the GBP you are simultaneously selling the USD as shown in the pair above.

Just as on any other market, Forex trading though with an exclusively high potential profitability is essentially risky as well. It is possible to make a living from trading the Forex market, but this must be follow after a certain training including a familiarization with the structure and kinds of currency pairs, the principles of currencies price formation, the factors affecting prices alterations and trading risks levels. Mastering techniques and strategies on how to use technical and fundamental analysis to make your trading decision is a road you definitely can not avoid.

After acquiring the basic knowledge of Forex trading, the next step would be to open a demo trading account and begin to put all you have learned into practice. Only when you have built a strategy that generates consistent profit should you move to a live account.

Karen Fairham regularly contributes informative articles to web sites on Forex trading and stock trading. To read more on forex trading strategies to help you maximise your profit visit: http://www.forexxtrader.blogspot.com

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Making money though investing is an age old process but still this has got new flavors and dimensions in the recent years. Now there are smarter ways to make investments. For many people making investments on stock and share markets is the most profitable option. This is because the shares of many large companies increase day by day although the risks of the dropping of shares all of a sudden are also there. But still many of the share market maestros who have much intellect and expertise of making investments for years still enjoys the same. That’s because they can gain much profit and less losses.

Mutual fund investments are another way of making smart investments. It’s regarded as an alternative to share market investments because in this case some organizations pick up and utilize your money and make the appropriate investments on the suitable company stocks at the correct time. These organizations understand the market scenario well and they collect money from different people and invest on stocks as a result and so the losses encountered are small in compared to direct investment in the stock market.

It is a word of advice that before making any type of investments remembers to check out its loopholes. It may so happen that you make a huge investment on anything and incur huge loss out of it. For any assistance you can take advice of any finance personnel so as to get proper guidance for making investments. Do not trust blindly on any stock broker.

From personal experience I can say all these things I have in fact made a few blogs about finance which you can visit named Treasure Trooper and Money, money n more money.

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With advances in medicine and technology, mortality tables have been changed dramatically in recent years. At the bottom line, we live longer. For some of us, this is much longer than they expected. If 20 years ago a 65 years old retiree thought he’ll live till the age of 83 or so, now days he more likely to reach the age of 87.

In some cases these senior citizens need more supplemental cash in order to maintain their standard of living. Since they do not want to liquidate any tangible assets they have.

Today, few financial tools can help these senior by leveraging their insurability.

In this article I’ll spread information about two ways seniors can tap into cash that in most cases they did not know they have.

The first method is Life Settlement or Senior Settlement where an old life insurance policy is being sold on the secondary market and leaves the insured with lump sum of cash. However, no insurance coverage is now protecting the senior. In order to qualify for a life settlement, the insured must posses a policy that is out of contestability and has a death benefit of minimum $250,000. However, some providers will buy a policy that is less than $250,000 , some other criteria has to do with the insured age (65 and above) ,life expectancy (2-12 years) , premium on the policy (less than 5% of death benefit) and cash surrender value not to be more than 30% of the death benefit.

If all parameters fit the buyer’s criteria, an average of 20% of the face value will be paid to the insured as a life settlement less any commission paid to the agent (Broker) who handles the case. Results may vary from case to case.

The second method is Life Insurance Premium Finance. Each and every one of us have hidden asset called insurability. Our insurability allows people to obtain life insurance up to their net worth which all we have minus what we owe. For example a 77 male who’s house worth $1,200,000 and has a vacation home that worth $500,000 plus some stock and pension may have a net worth of $2,000,000 to $2,500,000. What it means is that that person has insurability of $2,500,000 assume no life insurance is in force.

Using the premium program will allow the insured to obtain a loan to finance the premium on the policy. The insured will assign the policy as collateral for the loan plus a personal guarantee equal to 25% of the loan. After the loan is mature (usually 2-5 years)

The insured will have to decide what to do. At that point the insured will have few options:

The first is to pay the loan plus interest and assume full responsibility for future premium. 2nd option will be to renew the loan for another period and to assign more personal guarantee. 3rd option will be to sell the policy on the secondary market as a life settlement.

If choosing the life settlement option, the following numbers should be considered:

$2,500,000 life insurance policy on a 77 years old male will generate an annual premium of around $125,000 plus interest and fees.

After 2 years the total loan can reach the amount of $300,000. With a settlement offer of 20% of the face value the amount will be $500,000.

After paying the loan, the insured will remain with $200,000. Based on the deal structure the insured may have to pay a commission of up to $60,000 to the agent/broker who brokered the deal.

With the Premium Finance Program, if insured passes away during the loan period, the processed will cover the loan and the rest will go to the beneficiaries

In conclusion, senior citizen have some options when it comes to generating cash using their insurability via channels like carrier approved premium finance program and life settlement program, all designed to help them use their life insurance policy and their life insurance insurability.

Boaz Arbel is the General Manager at Arbel Life, LLC, a New York based company that specializes in the high net worth senior market. To obtain further Information about Life insurance Premium Finance, Life Settlement and to read additional articles about these subjects please visit the website: http://arbellife.com

You may also read all publications at http://1800pf.blogspot.com

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