UND-Pilsa Blog

You work hard to make money so this is your responsibility to take care of it, to save it and at the same time to make it grow. As far as growth of money is concerned, there are various options with different benefits. But the question is which is the most suitable investment option and what is the right way of investing so that we can save tax also. You also would have so many questions regarding investment which should be answered and for that you can choose an investment solutions company.

As far as investment is concerned, many questions can be raised and before investing anywhere you need good answers of all those questions. These questions may be like how much you should invest, where you should invest, for how long you should invest and why should you invest. You can get answers of all these questions by opting for a good investments solutions company.

The company would show smart ways of investing and it will suggest where and for how long you should invest. You can give them a budget and now this is the company’s responsibility to provide to tailor made investment solutions.You can choose some best investment solutions for you among numerous options. It may depend on your budget and preferences and many times on the time span of the investment. As some people want short term investment and some long term. Generally, investment products are made up of four variables of cash, (deposits), corporate bonds and gilts, equities (shares) and property.

Now, these four variables produce various investment products like ISAs, regular bank savings, PEPS, REITs, hedge funds, offset accounts, investment bonds, guaranteed income scheme, wrap accounts, national savings certificates, distribution bonds etc. You can choose a product and ask the company to provide knowledge regarding that.

If you are interested in asset management please contact Nigel Walter of Connaught Asset Management.

So, learn properly regarding different investment products before investing and always choose a genuine and professional investments solutions company for any advice. You shall always find yourself in profit.

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Most stock traders know that momentum trading can be a very profitable activity. You can make big amounts of cash in a short period of time.
The problem is, that if you don’t know what stocks to look for and how to approach them and leave everyting to chance, you could end up wasting money instead of making your profits grow.

That’s why the most important aspect of momentum trading is the knowledge FILTER you employ to make your buy and sell decisions. There are many “fantastic” stock systems and trading strategies outhere, but you need to test them in order to discover which ones help you the most. That’s part of your homework as a stocktrader. Test, test and test again.

Complicated online trading strategies that rely on a “boat load” of technical analysis indicators can make you slow, and being slow when trading hot momentum stocks can be as dangerous as not knowing what to do in the first place.

The worst thing that can happen to a beginner momentum trader is to get information overload. It’s better to go step by step, and test a simple stock trading strategy that can show you how to focus on concrete ways to make money and pick better hot stock trading opportunities once at a time.

Fortunatly there are great sites on the web today that can show you how to trade in a sharp and effective way. One of those sites is Sharp Trades http://www.sharptrades.com

In the end, momentum trading is all about buying and selling stocks according to your knowledge FILTER. Once you master and follow your proven filter parameters like a clock, you can expect to start making serious amounts of cash on a consistent basis.

Find out how to do it with ease and simplicity at Sharp Trades.

Dan Sheldon is a UK based momentum day trader focusing on US markets since 1986. He helps people become confident and practical momentum traders, showing them how to choose stocks with ease and simplicity every day at http://www.SharpTrades.com

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NOTES ON EBAY (EBAY)
Collar

1. Ebay traded in a very wide range during July 2003. It started
the month around $51.50 and traded up to $57.50 before trading
down to $54.40. Within a week it traded to a high of $59.00. The
week after that, the end of the month, the stock was down to
$52.50.

2. August, was another volatile month. The stock had a high of
$57.25 and a low of $50.00.

3. The stock started the month of September trading at $56.50.
It traded down to $50.50 then back up to $57.00.

4. Volatility continued in October. The stock had quite a range
with a high of $61.50 and a low of $53.50. Moreover, the stock
had no less than 5 gap openings. The gap openings were almost
evenly divided between “ups” and “downs”.

5. The pattern continued in November 2003. The stock started the
month by quickly putting in a high around $58.50. It then traded
down, reaching a low around $50.75, before rallying and trading
back up to $57.00 before the month’s end.

6. December began with the stock trading around $57.00. It then
moved down quietly to $55.00 by the middle of the month. By the
end of the month, Ebay was trading at $64.00, up an astounding
$9.00 in a little more than two weeks.

Conclusion: A stock this volatile needs a hedging strategy that
provides maximum protection. A covered call strategy will
provide some protection but not enough for a stock with the
month in and month out volatility that Ebay exhibits.

The protective put strategy would work in terms of maximum
downside protection, but at what cost? With volatility this
high, the puts will be very expensive, maybe too expensive. This
situation is perfect for employing the collar.

The sale of a call against the purchase of the put will at least
partially offset the expense of the put, making the downside
maximum protection affordable, while still leaving room for
capital appreciation.

Amazing Options Trading Strategies For Safer Investing
and Explosive Profits. Discover how to protect your
investments with the leveraged power of options. Step
by step video tutorials show you how. Click here now:
http://www.options-university.com

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ISA’s - The Basics

Since their introduction in April 1999, ISA’s - Individual Savings Accounts - have become extremely popular because they are one of the most tax efficient investment products widely available to investors.

ISA’s are a special Government approved tax shelter for personal savings and investments. An ISA is a tax efficient “wrapper” containing different kinds of qualifying investments, in just the same way as PEP’s contain various types of qualifying stocks and shares, unit trusts and investment trusts. As with PEPs, the proceeds will be free of both income tax and capital gains tax, however, from 2004 ISA’s will cease to be able to recover tax deducted from UK dividend income.

All ISA’s are set up according to strict rules laid down by the Inland Revenue. These rules state, broadly, that ISA’s can be made up of the following 3 components: Cash, Stocks and shares, and Life Assurance.

Cash.
The cash component may include bank or building society accounts and national savings products.

Stocks and Shares
The stocks and shares component may include unit trusts, investment trusts, OIEC’s, company shares, gilts and corporate bonds.

Life Assurance
The life assurance component covers certain types of life assurance products and permits with profits investments.

You can contribute with a single or regular premium, although with the latter there is no contractual commitment to continue payments.

There will also be 3 types of ISA; Maxi, Mini and TESSA only.

Maxi
A maxi must contain the stocks and shares component and may contain either or both of the other components as well (i.e. cash and/or life assurance). For example it could contain only the stocks and shares component or stocks and shares plus cash or assurance. Equally it could contain all three components. A maxi ISA comes from a single provider.

Mini
A mini ISA is made up of just one component. Clients will be able to invest in up to three mini ISA’s in one tax year providing they invest in only one of each component. Each component can come from a different provider if the client wishes.

TESSA
This is an ISA with a cash component only, where an investor may subscribe up to the amount deposited in a matured TESSA. A TESSA only ISA can be opened in the same tax year as a Maxi or Mini ISA. Limits

Maxi ISA.
The maximum total contribution to a maxi ISA is currently £7,000 per person in any one tax year. This could change in the future.

Mini ISA.
The maximum total contribution to a mini ISA per person in any one tax year is as follows:

Stocks and Shares component £3,000
Cash Component £3,000
Life Assurance component £1,000
Total £7,000
Thus the total amount for all 3 components of the mini ISA’s (allowed per person in any one tax year) is £7,000.

Neil Mercer is a Consultant with STE Associates Ltd which is Regulated & Authorised by the Financial Services Authority. Check out his articles at www.neilmercer.co.uk

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How can you dispel an illusion unless you look directly at it? The magician distracts the eye with one hand while he does his manipulation with the other. You are looking in the wrong place and not seeing what is actually happening.

Wall Street has mastered this move even beyond the wildest dreams of Houdini. Investors have become so mesmerized by the smoke and mirrors that they believe the large brokerage houses are telling them the truth.

One of their master distractions has you believing that research is necessary to be able to pick a winning stock or mutual fund. All research is facts and figures which is nothing more than disinformation. Think. That long report by some analyst came from sources available to anyone and everyone, therefore, it is worthless. If everyone knows it then all that information is already reflected in the current price of the stock.

Just because you have information and it seems so good that doesn’t mean the equity price is going to go up. Those beautiful pink, green and yellow tout sheets sent to you by some broker have you looking in the wrong place just as the magician does while he is picking your pocket. Sound familiar?

The annual report is a beautiful document. Slick paper and in full color, but those footnotes are hard to read. You know the old saying: “they give it to you in the big type and take it away in the small type”. More of the magician’s tricks. Did it occur to you that much of the content of the annual report is a year old? Is that going to tell you if the stock is going to go up tomorrow or next week?

Another distraction by the master magician is the prospectus. I have written these so I know how they can be manipulated. The most important thing to remember is they were not written for the investor. They are written so some Dilbert lawyer in his cubicle at the SEC in Washington will see that it meets all the regulations. There is practically no difference in the content of a winner and a loser.

So much of what comes out of Wall Street is sleight of hand and smoke and mirrors. You must stop and ask yourself, “Is knowing this going to make me any money?” In all likelihood it won’t. Almost every analyst recommendation put out by brokerage companies is already ancient history and of no value. The Securities and Exchange Commission (SEC) in Washington is now investigating allegations that analysts have become salesmen for their brokerage companies and are told not to issue negative reports on any company no matter how poorly they perform.

Become aware of the magician’s tricks and watch out for that other hand he has in your pocket.

Al Thomas’ book, “If It Doesn’t Go Up, Don’t Buy
It!” has helped thousands of people make money
and keep their profits with his simple 2-step
method. Read the first chapter at
http://www.mutualfundmagic.com
and discover why he’s the man that Wall Street
does not want you to know.

Copyright 2005

al@mutualfundstrategy.com; 1-888-345-7870

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Banks Invest Your IRA Money in Home Mortgages, Shouldn’t You ?

You can pump high yielding, tax free profits secured by real
estate directly into your IRA!

I don’t care what your banker or stockbroker told you, the IRS
says you can. (http://www.irs.gov/publications/p590/index.html)

You can earn up to 25% on your mortgage loan investment in a
couple of months on short term deals. Long term loans can triple
your investment while generating a cool, passive income stream
over 15 years or more.

You are probably aware that for every $100,000, in mortgage
money you borrow you are going to repay nearly $300,000 by the
time its paid off in 30 years, right? Wouldn’t it be nice to
receive returns like that, instead of paying them?

You can!

The risks are extremely low on this type of investment. Banks
will loan over 100% of the purchase price if the loan is secured
by 1-4 family residential real estate. How much will they loan
you on your stocks? H’mmm!

The collateral is a family’s home, the default rate is less than
1% and it is the most in-demand type of real estate there is.

If the homeowner stops paying, you take the property and sell it
to recover your money.

Generally, there are two types of loans you would make, short
term and long term.

Short term loans carry a higher risk as they are usually made to
real estate investors, who buy, fix up and resell houses. They
borrow the money to buy a property all cash to get the best
possible price.

They would then either fix it up and sell it or just sell it if
it were in good enough shape.

These loans are generally for a year or less and pay interest
rates as high as 12% or more!

Your loan amount on this type of deal would usually be from
$25,000-$250,000.

The long term, purchase money mortgages made to homeowners,
would have smaller returns, just below the rates the banks are
charging, because of the relative safety of the loan. Loan
amounts would be from about $50,000 to $500,000. You could
invest alone or in combination with those of other investors,
forming your own private IRA Bank!

As the real estate market worsens, the easy bank mortgages will
dry up, providing greater and greater demand for these private
loans.

Think of the possibilities! You can rejuvenate your shriveled
IRA, 401(k) or Keogh by stuffing it with secured, tax free real
estate profits!

You can run a small, classified ad in your local paper or
network with real estate agents and you’ll find clients.

In most states, you are allowed to make a small number of loans,
before you have to think about licensing, but check the law in
your state just to be safe.

Let your private, IRA Bank put you back on the road to early
retirement!

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