Monthly Archives: April 2017

Useful Tips For Investing in a Good Trailer

If you find that your vehicle has a very little space for transporting things when needed, a trailer might be the most well advised solution you are looking for. Yet, you need to be careful with how much weight you put on it owing to the fact that overloading your trailer will not only damage the trailer but also the frame of your vehicle. You can find different types of trailers in a variety of sizes and each one is designed to cater to your special needs.

It is highly recommended that you identify the time of trailer which best suits your needs before making the decision to procure one. Depending on the features which you want for your trailer, it can be fairly reasonable if it is a small one or very expensive if it has a great deal of features. For example, a boat trailer which is in general aluminium, galvanised or steel will be overpriced owing to the fact that it is designed for both fresh and salt water use.

Because a utility trailer has a higher weight capacity, it is suitable for carrying equipments and even horses. If you’re interested in getting a trailer for your motorcycle, you should pick out one that is lightweight and straightforward to pull. For your safety, you would do well to pick a trailer that is not wider than your bike and one that has solid structure.

If you want a trailer with higher weight capacity, it is highly recommended that you get a stronger trailer because it is not only reliable but also particularly strong. Even though most models come with the standard one year warranty, you might want to pick out extended warranty so that it will cover your future repair costs. In cases where the dealership doesn’t offer an extended warranty, there are always another way to cover the repair costs and one such way so seek independent insurance companies and such policies.

Investing in Health Insurance Companies

No matter what you may think about the current state of the health care system, you can’t deny that health insurance is big business. Medical care is prohibitively expensive and many consumers cannot afford it without having some type of medical insurance. From an investor’s point of view this means big money especially since this is the only industry in which the company controls how much they pay health care providers as well as how policy holders are able to use their products. If you are looking to get a piece of this pie, then here are some tips for investing in health insurance companies.

It is important to do your due diligence before investing in these companies. You need to properly assess the risks associated with a particular company. The information you gather will also provide you with fodder that can help you negotiate good deals. Some things you want to explore include where the revenue is coming from, cash flow, liabilities, and tax responsibilities. You also want to evaluate the payer mix, the number and amount of claims paid out, HIPPA, compliance with regulations, violations, and research and development of new products and services. If you can’t do it yourself then hire someone knowledgeable about these things to do it for you.

You also want to evaluate trends happening in this field both at the national level and the company’s local market. When the economy is bad, health insurance is often looked at as a luxury and people will go without if money is too tight. At the local level, if the demographics of a particular area shift that could affect how well the company does. For example, if more and more retirement aged people are moving into a particular area while the younger demographic moves out that may mean drop in revenues because most seniors are covered by Medicare. Investing in health insurance companies in that area may not be a good idea.

Lastly, you want to determine exactly how you want to go about investing in such companies. You can be a direct investor, loaning money in return for a cut of the business or you can go through an investment firm. Direct investment usually means bigger profits but also bigger risks. Going through an investment firm spreads the risk out over several investors and health insurance companies but you won’t make as much money. You can make money investing in the insurance industry. Do your research and make the best choice you can.

Tips for Investment Success

A Practical Guide to Protecting Your Promissory Note Investment

Writing a check to invest in a promissory note begins the investing process that will provide you with future income and possibly capital gains. After your check is cashed, numerous administrative functions are necessary, on an on-going basis, to protect your investment and maximize its profitability. The administrative functions are called “Loan Servicing”.

Unfortunately, the Loan Servicing function is little understood by many and neglected by most. This neglect causes a discount and devaluation of your investment. Let’s learn how to increase your promissory note investing success and protect the investment through intelligent Loan Servicing.

Definition of ‘Loan Servicing’
Promissory note loan servicing provides administrative services for the loan from the time the proceeds are dispersed until the loan is paid off. Loan Servicing includes: sending monthly payment statements, collecting monthly payments, maintaining records of payments and balances, collecting and paying taxes and insurance, managing escrow and impound funds accounts, remitting funds to the note holder, and following up on payment delinquencies.

Promissory Note Loan Servicing Reports
Monthly and Annual Reports: gross income collected, real income collected, taxable income collected, and repayment of principal collected must be all be tracked separately and reported. Regular payments, partial payments, late payments, late fees, and service fees must be recorded and reported.

Year-end IRS Report Forms: 1096, 1098, 1099-A, and 1099-C must be prepared and remitted.

Loan Servicing Pitfalls and Traps
Realizing the specialization and complexity of the Loan Service function is the first step in dealing with it intelligently. Realizing that neglecting it will discount and devalue your investment is your wake-up call to handle it professionally and carefully. Doing Loan Servicing on scratch paper, or on the back of an envelope, will not satisfy the local State laws, Federal laws, or IRS rules and regulations-a good software Loan Servicing program is needed.

Many uninformed note investors do not realize their exposure to being sued by disgruntled borrowers, State Attorneys General, or by Federal law enforcement agencies. The legal expenses to defend one law suit, or one investigation, can wipe out a year’s investment income or more—even if you win; if you lose, it can be many times more costly.

Tips for Investing Success
The first rule for investing success: understand the details of the investment; understand its risks and rewards; understand your responsibilities and your rights; understand what you will do when an unexpected negative event happens.

The second rule for investing success: understand the details of administering the investment. Who does the Loan Servicing? Is that person or entity experienced and capable? How often will you receive reports on your investment? If you intend to do the Loan Servicing yourself you must realistically and objectively evaluate your own experience, capabilities and computer software facility.
Don’t underestimate the time and effort required; don’t overestimate your own capabilities.

In Summary
• Fools rush in where angels fear to tread.
• There is nothing more difficult to plan, more doubtful of success, nor more dangerous to manage than a new system.
• Prevent a small problem from getting worse by stopping it soon after it starts.
• Life has it woes so learn to be on your toes, be alert.

Lawrence (Larry) Tepper specializes in the valuation and appraisal of promissory notes, mortgage notes, and cash-flow instruments nationally. Nation-wide services for banks, trust companies, self-directed IRA accounts, estates, attorneys, CPAs, and individual investors.

Consulting Services-Free Appraisal Price Quotes

EDUCATION AND TRAINING
Law Degree /Accounting Minor University of Denver
Managing Colorado Real Estate Broker– Promissory Notes Specialization
Certified Commercial Investment Member from the National Assoc. Realtors (CCIM)

PRACTICAL EXPERIENCE
35 + years of national promissory note and mortgage note appraisal and valuation for Banks, Trust Companies, Attorneys, CPA’s, Estates, Trusts, Executors, Administrators, and Financial Advisors.

Top Tips For Investment Trading

If one withdraws a trade or cancels it, make sure that it is finished earlier than making a new trade. Basically because one receives a receipt of cancellation, that may have previously gone through. One must know who to he has to get in touch with, for trading. Do not trade with some company that one does not know anything regarding the company. If it is possible, look keen on their investment record, so that one can know the trading trustworthy stock. Also join some good online investment trading service that will provide day to day comprehensive market summary features and market forecasts.

AREAS where to AVOID. There are many regions where investors should keep on going to avoid investment trading like plague. In stock market, the investors must continue to keep away from all the financial companies like the brokers, banks, insurance companies and many more.

It is also advisable to avoid anything that deals with customers such as automobile companies, technology companies and retailers. It is also recommendable to avoid United States Treasury bonds and bills. The treasuries have now grown up greatly in value – that is the reason why they have a yield of 0%. And now the only way that they can go is down in the price. So make the effective use of these investment trading tips in setting your financial goals and to achieve the ultimate financial freedom.

The trading strategy can be performed by the trader either manually or automated by a computer. The manual trading technique requires a wide deal of discipline and skill. It is alluring for a trader to diverge from this strategy that frequently decreases its performance.

The automated trading stratagem enfolds trading methods into mechanized order and implementation systems. Advanced modeling techniques by using a computer, joined with electronic access to the market world information and data, allow traders with a trading tactic to have distinctive market keyhole. This trading strategy can mechanize part or the entire investment portfolio. Trading models by using a computer can also be regulated for either aggressive or conservative trading styles.

For the Long Run: The significant fact is that ones investment portfolio rises over a long run.

Summarizing it all, do not be carried away by the track records and trading strategies which advertise that “ninety percent gaining stock trades.” Per every stock trade they might barely make one only some pennies. Plus the rest of the ten percent of trading which drops may in reality cost oneself the whole thing one made than a few.

The main thing which takes in to account with respect to stock trading is the trading strategies which is the final result. Usually the maximum investors in the past have been correct only about 35% or 40% of time. However they cut the people who lost early and permit their victors ride. If it is well sufficient for that investor with some immense path records in past, it is well sufficient for one and it must be for everyone too. Maintaining a good history will keep us leading all time.

8 Tips to Investment Portfolio Success

Determine Your Asset Allocation – This involves matching your investment vehicles with your investment goals. Your investment choices should always be based on your age and level for risk tolerance. The earlier you begin to save and invest the more aggressive you can be in selecting amongst investment vehicles and options.

o Diversify your Portfolio – To maximize your returns, and manage your investment risk at the same time, you should not put all your eggs in one basket. Avoid placing more than 4%-6% of your investments in any one stock, including that of your own employer’s. Real diversification means spreading your money across multiple asset categories including stocks, bonds, real estate as well as investing internationally.

o Invest in Index Funds or No Load Mutual Funds – An index fund is a passively managed fund that seeks to mirror the performance of a particular index (i.e. the Dow, S&P 500, Wilshire 5000, NASDAQ, Russell 2000). These funds are specifically designed to duplicate the performance of the unmanaged market index they are tracking. Management fees of index funds are typically no greater than about 0.50%. A mutual fund is a pool of funds of individual investors that is actively managed by a professional investment manager who buys and sells securities for the fund. Mutual funds have different investment objectives (i.e. growth, value, income) as well as various market capitalization sizes (i.e. small, medium and large cap). Each investor owns a share of the portfolio assets equal to his number of shares in the fund. A no load mutual fund has no sales charges, commission fees or redemption fees associated with the purchase and sale of its shares.

o Use Dollar Cost Averaging to Buy Stocks – This technique involves investing equal dollar amounts of money at regular intervals over a period of time. The result of this practice should be acquiring a greater number of shares when the price is lower and fewer shares when the price is higher thereby achieving an average cost per share which is lower than the average price per share. Dollar cost averaging helps minimize the risk of timing the market and thus having to determine the optimal time to acquire shares.

o Track Your Investment Expenses – You must vigilantly track all the investment expenses and commissions you are paying as they will dramatically impact the overall return on your investments. If you are paying heavy loads (expenses) and high commissions on funds which are performing below their general market counterparts you will want to divest yourself of these investments, using a tax savings strategy, as soon as possible. Stick with no-load funds and low commission investment vehicles.

o Rebalance Your Portfolio – Requires matching your portfolio’s allocation of assets to meet your stated investment objectives after any area of your portfolio has experienced significant growth or contraction. This process goes hand in hand with asset allocation in that once you’ve determined your plan and the percentage you want in various categories of investments, you must rebalance or re-allocate your funds within your portfolio to insure that you are in compliance with your plan. Note that rebalancing your portfolio can be more complicated with your non-tax sheltered accounts as it could generate tax consequences.

o Don’t Obsess About Tracking Your Portfolio – Keep your eye on the prize in the horizon and don’t allow every downward market move to rattle you. It’s far too easy to panic when you’re watching daily, weekly or monthly results. You should be in it for the long haul and not influenced by trends and short term market fluctuations.

o Seek Out Investment and Tax Advice – Don’t shy away from seeking the help of a professional when you need it. It’s easy to understand the hesitation many people have in pursuing a so called expert’s advice. The number of advisors who sell products behind the advice they give can make it confusing to know the true motivation behind a professional’s recommendations. That’s why it’s essential to ask how any advisor is going to be compensated and what the amount of that compensation will be. Tax strategies should figure prominently into your investment planning as you want to balance both your pre-tax and after-tax retirement accounts.

Tips For Investing For Your Retirement

Planning for your retirement is certainly both a wise move and a necessary one. It seems that more and more people are reaching the age of 65 and have no savings whatsoever, which means, of course, that they cannot retire any time soon. Longer lives today make it so much more important that you have some kind of retirement savings. Here are some ways to go about getting ready in advance for that day.

Determine How Much You Need

This will not be an easy thing to decide – since no one can predict the future. Consider, however, at what age you would like to retire, and then go for an average income per year for X number of years after that – for both spouses. Then, you need to add in inflation at about 6%, and the possibility that there may be no Social Security available when you reach that age.

You also want to consider health insurance costs, so that you have your medical needs met. Be sure to add in the cost for long-term coverage, too, because it may be needed.

Select Your Risk Level

Your risk level is determined by how much money you need to have and by how much you can afford to lose. Generally, the younger you are, the more you can afford to lose since you have time to build it up again even if you lost some. This puts the younger person into a higher risk category. On the other hand, the older you are, your risk level may be low if most of the money you have now needs to be saved for your retirement.

A higher risk category means that you can place some of your investment money into investment instruments that can bring you higher amounts of interest, but may also have the possibility of doing greater harm to your investments.

Diversify Your Investments

One of the best moves you can make is to place your investments into a wide assortment of investment tools. This provides you with the protection you need so that all of your money cannot be lost at the same time if one sector fails. A well-diversified portfolio could include stocks, bonds, mutual funds, ETF’s, IRA’s, CD’s, 401 k’s, and possibly other types, too.

Consider Your Options

As you look to make investments for your retirement, be sure that you look over each option and understand how it works. Consider the tax advantages, too, since some have greater advantages than others. Other considerations should include interest rates on long-term investments such as CD’s, because the interest rate may not even keep up with the rate of inflation – making it a poor choice unless you get a better interest rate.

Start Early

Since more money is now needed for retirement than was needed even a decade ago, it is imperative that you start planning and investing as soon as you can. Do not make the mistake, however, of investing too quickly, just to say that you did so. Make them wise investment choices. This will enable you to have a more comfortable retirement, and possibly even make you able to leave an inheritance by investing in property or investing in shares for your kids. to learn more visit visit the “I Trade Options” website