Having All Your Eggs in One Basket is For Amateurs - Learn to Trade Like the Pros Do

This article illustrates why it is wise to never keep all your eggs in one basket. This can be applied to virtually every aspect of life where the safety of your "eggs" are vitally important. This is farming of a different sort as the seeds planted here can produce profits into the foreseeable future.

Simply said it is wise to be diverse in your investment portfolio. This applies to being in different instruments, sectors, markets to lessen the risk to your portfolio. For the purpose of illustrating what it means in terms of options trading.

Any experienced options trader will tell you that strategy is key when trading in options. The old adage of BUY and HOLD cannot be applied to options unless you are trading in European style options which give you no alternative to wait until expiration day to trade them. We recommend "American" style options as they allow the purchaser to sell their positions at any given time prior to the demise of the position on expiration. Since strategy is key we will be giving expert strategies away so that you can trade with the pros. One of the easiest is the staircase strategy which as the name implies you have positions setup like steps on a staircase so that moderate movement in your favor will place you in position of profit on some but not all your positions. This is preferable to trading in options that have the same "strike price" and only proves that having all your eggs in one basket to be an unwise way to seek profits in the market.

Diversification is the key to the success of any portfolio although you may have enter areas of finance you may not be familiar with there are many tools available either for you to self learn or you can rely on the expertise of professionals to guide you along the way.

In 2010 there are many exciting things that we have in store for our clients. The financial doom and gloom has turned into opportunity for those who have been able to recognize the gift that this "crisis" has given to us. We will be offering a wealth of tools and services for readers worldwide and widening the niche that we have been working successfully despite the crisis.

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Investing Australia - Top 4 Plays From Down Under

While most countries on earth were experiencing melt down in 2008, our friends down under never really went into the recession cycle. Yes, during unprecedented global and economic strife, Australia stayed largely unaffected.

Sure, they had a slow down, but it did not qualify as a recession. The good news now for investors and traders is that, unlike many countries, the economy down under is growing!

The housing market in Australia was also largely untouched during the downturn. While the American housing market is trying to find its footing, Australian home prices are making new highs! This is causing consumers there to feel confident as their net worth is growing. Also, the population of Australia is growing at a record pace. This means the housing market looks good for possibly years to come!

The Australian government, like many around the world, provided a stimulus plan to help improve the economy. The big difference is that the government there could afford to do so.

Probably the most attractive aspect for investors is the trade that Australia has with Asia. The resource rich nation has long been a favorite supplier to nearby China. This and many other factors has investors strongly eyeing down under plays.

Here are a few simple ways for you to invest in Australia.

First a couple ETF plays:

Here is an ETF that invests in Australian currency:

CurrencyShares Australian Dollar Trust (FXA)

The Australian dollar has been one of the world's strongest currencies lately.

Then we have this ETF that invests in many things Australian.

iShares MSCI Australia Index (EWA)

For more up-to-date information on this Fund see:

http://seekingalpha.com/symbol/ewa

You could also get a look at their holdings if you wanted to invest in individual companies.

Here is a possible over the counter play (at the time of this writing it is not very liquid, but that could soon change) on the Asciano Group. The company owns the largest railroad freight carrier in Australia. They transport commodities like iron and coal, as well as grain and construction material. While they had a tough year in 2008, there are good signs of strong growth for the firm.

ASCIANO GROUP (AANOF.PK)

I like AANOF up to $2 per share. I could see you fairly quickly doubling your money on this one. You can also buy the stock in Australia (ASX: AIO), but that could be more of a hassle.

Do you like energy? If so, one of the largest suppliers down under is actually and American company based in St. Louis, Missouri. Peabody Energy is also active in China and India.

Peabody Energy Corp. (BTU)

There you have it. My Top 4 plays from Down Under.

Doug West has worked in Financial Planning and Investment training for over 20 years. Get his No-Cost Audio Report on how you can Secure Your Retirement with Free-Online Tools:

Get your Free Report Here and discover Rock Solid income strategies, including how you may be able to increase your social security check by 50%.

Learn the art of simple Mini-Dow Index Trading. With Index trading you don't have to worry about PE ratios, insider trading, company scandals, or any of that. Just make your trade when the simple patterns we show you appear. It really is that simple.

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Top 3 Income Investing Plays

Many people hold off on investing in anything because they feel like they need more current income, and they don't want to have to wait years for an investment to pay off.

What is the solution if you are in that category? Income Investing. What exactly is income investing? You may have heard the term and wondered. After all, isn't it the goal of any investor on any investment to turn a profit? Yes, it is. However, an income investor is looking for recurring income right now, and growth in the future too.

After the 2008-2009 housing bubble and market meltdown, many analysts were raving about the benefits of dividend paying stocks. Stocks that pay dividends are only one type of income investment. If your stock is providing you income (in the form of dividend payments), and the value of the stock is rising, you really have the best of both worlds. Long term capital gains and current income too!

This is exactly the type of thing investors are looking for when they invest in real estate. Property that is cash flowing now, and property value that is rising. Some tend to think you can only find that in real estate. However, there are a few safe ways to do that in the market too, without becoming a landlord!

We mentioned dividend paying stocks. My favorite play for current income is by investing in Master Limited Partnerships(MLPs). You can buy MLPs inside of your stock account with your favorite online discount broker. Although you buy them like a stock, they behave much differently. The main thing you should want to know is that they can provide Rock Solid income for you now, and future growth as well. In fact, many MLP values grew during the melt down, and increased the income payments too!

There are also a few Exchange Traded Funds that pay dividends. If I had to list the options mentioned here in order I would rate them as:

1) MLPs

2) ETFs that pay dividends

3) Dividend paying stocks

I've always felt that income paying investments are a better play than those that only provide future profit. After the horrible meltdown, many analysts suddenly agree!

Doug West has worked in Financial Planning and Investment training for over 20 years. Get his No-Cost Audio Report on how you can Secure Your Retirement with Free-Online Tools:

Get your Free Report Here and discover Rock Solid income strategies, including how you may be able to increase your social security check by 50%.

Article Source: http://EzineArticles.com/?expert=Doug_West

Online Investing and Why Bank Wires Could Prove the Best Option When Making a Deposit Or Withdrawal

With any Online Investment the ability to deposit or withdraw funds quickly is crucial. Historically bank wires were expensive and took a long time to complete. Has technology changed all that?

When I first started online investing I was adamant that I wouldn't use Bank Wires as I felt they were too expensive and too slow. So, for most of my programmes I have used the various payment processors that have been set up to facilitate these types of transaction.

However, even this option has not been that trouble free as some services have failed at crucial times. Also, more of them are introducing charges to receive funds which means you have to think carefully about the sum to deposit to ensure you cover the cost.

Of course it is easy to generalise and say that none of them provide an efficient and economical service which would be the wrong thing to do. Some provide excellent customer service and are very efficient but you still have to weigh that against the extra steps needed to get funds from and to your personal account.

Time for a re-think

Recently I've had cause to step back and think about whether I should reconsider bank wires as my main vehicle for deposits and withdrawals. Two online programmes that I've had investments with have reported problems with specific payment processors which clearly creates concern when moving funds.

So, when I wanted to make a deposit to another programme I went back to my bank and initiated a bank wire. Doing this directly with a customer service representative made the whole operation very easy. Yes, it did cost me to do this but at the end of the day I know I will recoup these costs pretty quickly with the returns I get. So, for this transaction it was a good choice.

Not suitable for every situation

Clearly this wouldn't work with small amounts and I'd suggest that $500 would be the minimum you'd want to contemplate when considering a bank wire but at least you know that it will get to where it's going and given the new electronic banking systems it can be there pretty quickly as well.

It's always worth keeping an open mind on any decision you make. Time and Technology may well create an environment where your original decision needs to be modified.

For more great tips on online investing you can visit my blog at http://www.onlineinvestingguru.com

From John Murphy and Online Investing Guru. Sign up as a subscriber via Feedblitz and I'll send you the Offshore Banking Alert for free

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Best Investment Portfolio For 2010 & Beyond

The best investment portfolio for 2010 and beyond will hold stocks, bonds, and money market securities. Finding the best investment in each area is not possible or necessary. Coming up with YOUR best investment mix is. Let's review your investment options.

I'll keep it simple. If you invest at all you have an investment portfolio, which is simply a list of the investments you own. For example, if you have a 401k plan you probably picked a few different investment options from a list. Most of your choices were likely mutual funds. Even if you knew not what you were doing, you put together your own investment mix, your own portfolio. The question is whether or not this is the best investment mix for you.

If you are like 90% of the investors I've known and worked with as a financial planner, you don't really understand this stuff. That's why you should be invested in stock funds, bond funds and money market funds vs. individual securities like stocks and bonds. When you own funds professional money managers pick the stocks and bonds etc. for you and a pool of other investors. But you need to pick the appropriate mix of funds.

So, let's take a look at the securities or funds you might own or be considering, and see if changes might be in order. I say "might own" because most people are not sure what they really hold in their investment portfolio. Sound familiar? Let's start with your safe investments like bank CDs and money market securities. If you have cash invested in a money market fund, you have money market securities in your portfolio. The bad news is that you are earning very little in your safe investments. The good news is that you have a high degree of safety. Don't keep all of your money here, but don't bail out just because interest rates are low, either.

If you are risk adverse don't be afraid to have 50% (or more if you are retired and older) of your investment mix safely invested. Sooner or later interest rates will go up... which brings us to the next area of investment options you might own. Bonds and bond funds (also called income funds) pay more interest, and billions of dollars flowed into bond funds in 2009 from every-day investors chasing higher interest rates. Check and see if any of your mutual funds fall into this category.

Income funds or bond funds probably treated you OK over the years, but this will change in a hurry when interest rates go up. Interest rates were at highs in the early 1980's. They were at historical lows in 2009. When rates go up money market funds should be good investments and pay more interest in the form of dividends. Bond funds or income funds will lose money. That's not a theory. That's the way bonds work. If bonds or bond funds are a large part of your investment mix, or you are considering long-term bond funds, think twice. The risk is significant. Your best investment here is short-term and intermediate-term quality bond funds.

Now let's look at the third category of investments you probably own or should own... stocks, commonly in the form of equity funds. These are the investment options that have likely caused you heartburn and acid indigestion over the past several years. There's more risk here, but greater profit potential as well. The best investment mix for most investors: about 50% in stocks, preferably spread across a VARIETY of equity funds. Conservative folks might want to cut this to 25% or even less, but all investors should be familiar with the variety of equity funds that are available to them.

First, you need a GENERAL DIVERSIFIED domestic (U.S.) equity fund that basically tracks the U.S. stock market's performance. Then, add a diversified international fund that invests in a broad range of foreign equities. You now have a leg up on most investors who miss opportunity by not investing abroad. You may want to add a small-cap or mid-cap fund that invests in smaller companies, because these funds can outperform in some market environments. Finally, consider non-diversified equity funds that specialize in stock sectors like real estate, natural resources, basic materials and precious metals for a smaller portion of your allocation to stocks.

The best investment portfolio going forward will contain stocks, bonds, and money market securities; but you will need to give your investment mix the attention it deserves. Hold some safe investments, avoid long-term bonds, and diversify your stock holdings. Uncertainty and risk in the investment markets is likely to remain high. When in doubt diversify across the three investment areas and within each of them.

A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals.

Jim is the author of a complete investor guide, Invest Informed, designed for average investors or would-be investors of all levels of financial background and experience. To learn more about investments and investing and his new financial guide go to http://www.investinformed.com.

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How to Find High Profit Japanese Candlestick Patterns and Turn Then Into Cold Hard Cash!

When you want to identify high profit candlestick patterns, look for recent reversal and continuation patterns first. Start by reviewing the most recent candles (the last day or so on a daily chart) and work your way back in time. These recent candles are the most relevant and are the best predictors for what is likely to happen next.

Once you have identified a specific recent pattern, look back in the chart history and find similar patterns. Note how the stock or currency responded during those time periods. This will give you a clue as to the potential strength/relevance of the current signal.

Simple 1 and 2 day patterns tend to occur frequently in many different stocks. Although some of these patterns don't have the highest degree of reliability, their frequency offers you a large number of trading opportunities. If 60 to 70 percent of your trades are profitable, then your overall profit potential is high. Additionally, these tend to be part of larger patterns. This means it is to your advantage to spot them quickly. Here are a few of the most reliable patterns:

* Hammer - 1 candle with a small body near the top & a long shadow at the bottom, bullish; color is irrelevant
* Inverted Hammer - small body at the bottom & long shadow at the top instead, bearish
* Dragonfly Doji - open & close the same with long shadow at the bottom, usually bullish; least common of the four doji
* Rising Windows - two white bodies with short or no shadows separated by a gap

Others that occur frequently but are less reliable include:

* Spinning Top - 1 candle signifying indecision; very small body with longer shadows on top and bottom; important because it is often part of larger pattern
* Harami - weak to moderate signal depending on 4 combinations, 2nd day's body completely within the body of 1st; bearish when 1st candle is white; bullish when 1st candle is black
* Engulfing - moderate reversal signal, 2nd day engulfs or extends beyond both ends of the 1st day & is the opposite color

Reversal Patterns - Anticipation

The highest profit candlestick patterns for a single trade tend to be reversal patterns that have some sort of additional confirmation. Candlestick analysis has a method for confirmation embedded as part of the end of the relevant pattern (basically the last candle signals the new trend).Of course, this means that if you wait for that confirmation candle you may miss most of the price move.

So, you need to learn to anticipate what the completed pattern will look like. That's why it is important to know the patterns so well that you can recognize them while still forming or half completed. Use other technical analysis matrixes (for example, negative divergence on MACD with weak money flow) beyond normal candlestick charts to gain confirmation. This will help you gain confirmation in the midst of the pattern itself rather than catching the tail end of the new trend.

The Kicker - High Profits Ahead

One of the most profitable candlestick chart patterns on the market is the Kicker. It is a 2 day reversal pattern that happens at the end of a long trend. Basically, a Kicker is a failure of that continuation and creates a strong reversal.

For example, it might happen immediately after a Three White Soldiers (bullish) or Three Black Crows (bearish) pattern. Both of these patterns are normally continuation signals when three long candles of approximately the same length form during a trend. Normally these two strong patterns tend to be most reliable when they are perfectly formed. In other words, there is no gap and the candles are all the same length. Imperfection in the pattern creates a scenario where a Kicker is more likely to happen.

The old trend line is clearly broken when another long candlestick shoots abruptly in the opposite direction below the opening of the previous day. The opening of the second day might create a gap in the opposite direction of the prior trend. When bearish, it looks like a vertical cliff on the chart. This normally happens when significant and unexpected news is announced contrary to the old trend. This is more likely to happen the longer a specific trend continues - it eventually becomes ripe for exhaustion.

Sometimes a high profit candlestick pattern similar to the Kicker will occur as the dominant bulls or bears in a market slowly lose confidence. This can be signaled by progressively shorter candles in the three day pattern. If this does emerge, expect a reversal to happen. It's not a sure thing, but you will know by the opposite position and direction of the next day's opening whether or not you anticipated correctly.

Making these candlestick patterns second nature is a way to practically guarantee that you will be able to pinpoint market turns right before they happen. These reversals can be the types that double an account size in the shortest time frames possible. To learn these patterns visit our site at http://www.candlestickgenius.com.

Article Source: http://EzineArticles.com/?expert=Mark_Deaton

Numismatic Coins - Build Wealth With Coins

One of the roles of capital is, by definition, to store up value. But how can you make sure that your capital will deposit value, as time passes? Periods of recession will occur and leave their mark upon the budgets of many countries - and upon the finances of individual individuals in the same way. And by times of recession we name anything from investment market collapse, state debts and/or currency failure to armed hostilities and social unrest.

Many people imagine constructing and protecting their wealth by investing their money in the foreign exchange market, but most Wall Street dreamers end up losing. The truth is that affluent people only use their "play money" in the market, not the funds for wealth protection.

All wealthy people used variety to create wealth and investments in assets to protect it. Considering that the stock market is risky, that interest rates are at a low level, that real property has been overrated in the earlier few years, what options are there left?

What would you say about gold and silver investing? Successful investors have preferred to purchase gold and silver for two reasons: (1) - that the gold and silver prices have grown in the past 10 years, giving them the certainty that they will gradually grow their wealth; (2) - that gold and silver are a solid asset that helps defend wealth against currency-induced and all kinds of economic crises. The evidence lies in the fact that in times of crisis, the demand for gold has always been greater.

They are 100% right, as the gold rate has seen a median growth of 26% per year in the period 2002-2007 (meaning an overall gain of 130% during that period), while the silver rate in the U.S. has gone up by a median of 36% per year during the same period (183% total increase). As for the value of cash, the accumulated cash over the exact same time had less buying power at the end of the time due to inflation.

Silver and gold have been considered a form of capital, power and collection of value for over four milleniums. At present, apart from coins, you can pick out from a number of equally safe ways of investing in gold and silver: bars, silver coins and gold coins; exchange-traded funds; silver or gold accounts.

If you are wondering right now what the most suitable form would be for a common individual to take the first step, here is a perfect suggestion: many people discover that the most approachable, cost-effective and also enjoyable method is to purchase silver and gold coins. A first good piece of information about this is that it is a developing market, so you won't be going through lots of pains to obtain your gold and silver coins and you will also have the advantage of becoming the first gold and silver coin collector among your relatives and friends. Besides, you don't need to have a lot of money to start with, you can build wealth step by step while also ensuring that you preserve your wealth and enjoying meanwhile what is known as the passion of kings: coin collecting.

Numismatic Silver Coins are a great way to preserve wealth in this current economy. If you want to learn the simple strategies that have allowed Kenny Gregg and thousands of his students to break through, visit his MLM Secrets To Success

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Defining Some Different Fixed Rate Bond Types

In the tradable fixed interest market there are a number of different types of securities, from senior bonds with a fixed coupon (interest rate) and maturity date, through to perpetual preference shares with resettable coupons and no maturity date. Some of the key points to note about the various types of tradable fixed income securities available are:

Senior Bonds - These bonds can be either secured or unsecured. They rank ahead of subordinated debt holders and shareholders. Senior debt for large corporations is typically given a credit rating by a global credit rating agency. Typically these bonds have a fixed maturity date and fixed coupon. On maturity the principal is redeemed to the holder in cash. High quality corporate bonds are easily traded in the secondary market without undue premiums added for risk or liquidity.

Subordinated Bond - These bonds rank below senior debt and all other debt but before shareholders and unsecured creditors for repayment in the event of liquidation. There are also a large number of Subordinated Callable Bonds on issue by banks in the New Zealand market. These have tended to be 10 year bonds callable after five years meaning that the initial coupon is fixed for the first five years and if the bonds are not called (ie redeemed for cash) at the end of the first five years then the coupon will be reset at either a new fixed or floating rate for a further five years and then they are repaid in full.

Capital Note - Fixed rate unsecured notes are subordinated to all other debt obligations of the issuer. Rather than a maturity date, capital notes have an "election date" at which time the note holder may elect to invest for a further period on new terms and conditions or convert the notes into ordinary shares of the issuer. In any event the issuer retains the right to pay note holders in cash on the election date.

Capital Bond - Subordinated to all other debt obligations of the issuer. Typically these have a maturity date but may be exchanged, repaid or resold earlier in certain circumstances. They also tend to have a reset date at which time certain terms can be adjusted. On set election dates, holders can elect to retain the bonds at the new terms or request the company sell their bonds at the issue price on the election date, using a resale facility established by the company for that purpose. If the company is unable to sell the bonds the holder can elect to have the bonds converted to shares.

Perpetual Bond and Perpetual Preference Shares - As a perpetual issue the securities do not have a maturity date which means the only exit option for a holder is to sell on market. The primary difference between perpetual bonds and perpetual preference shares is that the bonds pay interest and the shares pay a dividend, which is usually fully imputed. Perpetual issues are typically unsecured and subordinated ranking behind all other creditors. The coupon paid by the security is reset periodically at a margin over the prevailing swap rate with the issuer also having the ability to call (redeem) the security.

Craigs Investment Partners Limited (formerly ABN Amro Craigs.) is an NZX Firm that was established in 1984. It is one of New Zealand's largest and most established investment advisory firms. Craigs Investment Partners is 100% owned by certain staff and close business associates.

Services offered include: Sharebroking, Portfolio Strategy and Management, Retirement Planning and Superannuation, Investment Advisory, Custodial Services, Foreign Exchange, Asset Allocation, Cash Management, Portfolio Lending, Research and such other services as introduced from time to time by Craigs.

http://www.craigsip.com/

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How to Look at Return of Investment

Earnings have become a much talked about issue. Another rubber toy that some use to disturb others. Everyone who starts on the net knows within a month that 98% of the affiliates fail to earn. Many mails with a subject line reading 98% fail are you one of them, do the rounds. Only one who is spending on the net at present will bother.

I have seen so many have still not seen a penny even though they have spent on their hosting account for more than six months. Consider yourself lucky if you got in and out the sparkling blue bells of the web within 3 months. The net is not a place that interviews one for a job. It is free for all who are willing to pay. But in the present economic scene how many can stick it out is the question. This free for all is just half the story the rest is not as cheap as it is made out to be.

Business with another means transactions that are not detrimental to anyone inside or outside the business while being mutually beneficial to the business parties. It does not ever mean that one party takes the funds of the other party while teaching how to do the same to the rest.

In the present tight financial situation can we fully trust another to work our advertising for us? I would suggest that one should not get carried away with people who say they earned millions without doing any preliminary work. Take your time over it. No need for a web site to learn as you already have bought the basics to learn like a computer. Everyone goes to school and college spending thousands to learn. Well the computer investment is the school. Getting a job with what we learn is the earning part. The net is just like any other job hunt. This important lesson is not taught on the net.

The reason 98% fail is because they do not know when to say goodbye to the business they have started. The worst thing a human can do is getting attached to business. Do not treat your business like you treat your child. If you are uncomfortable with it do not give it more than two chances. Do not think that it will magically change if you keep feeding it. Chances are most likely you will change.

In the past years I had a good industrial spare part business running not because of the orders but because of the free goodwill. I write articles as a dedication to this free goodwill that was given to me.

Success is not in the amount of money in your account but in you yourself. The human is what is most important without whom there can be neither money nor success. Gandhi was a successful man but went around in farmers clothes. He said goodbye to his business when the time came to do so. There are so many such instances. It is what we choose as success. I feel the free goodwill I have earned is heaven sent. God really gives more than any man can. I give back into society what it has given to me freely. I wonder how many humans would do that, maybe not many, which is why the human race is now a thankless lot, intolerant towards women by suppressing them.

Bhuvaneswari Calambakkam

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Finding Trust Deeds For Sale

With the economy in rough shape, investors are desperately seeking all kinds of new financial possibilities. One area for investment that has actually been available for many years, but is once again rising into the public eye is trust deed investment. This offers the potential for double digit returns, but only if the investor heads to the best and most reliable sources. Finding trust deeds for sale is relatively simple; the investor simply seeks a TDIC, which is a trust deed investment company, but they must really scrutinize the company's offerings.

Like all other financial businesses, one TDIC may have a far more successful history than another, and it is the work of the investor to determine which group is offering the best chances for profitability.

It helps to first understand how purchasing trust deeds for sale can yield good returns. A trust deed is not a mortgage-backed vehicle, nor is it any sort of publicly traded item. Instead it is a way to participate in making a real estate loan available to a group or company in need of financing.

For example, the TDIC that you are considering might have an investment opportunity in the construction of an enormous shopping center. The money you invest would be used for the building project and would provide you with a "fractional note" or partial ownership of the actual deed on the property. In exchange for your financial risk, the borrower would pay a significantly higher rate of interest on the loan - usually in the area of twelve percent.

Clearly, not all TD's for sale are going to be for enormous construction projects, and an investor should demand complete transparency on the entire transaction. The TDIC should be able to provide investors with such details as the LTV (loan to value ratio) on the transaction, the anticipated monthly return, an accurate appraisal on the building or property, and any issues that may present some sort of encumbrance such as legal problems or necessary upgrades, etc.

This transparency makes trust deeds for sale a far more predictable form of investment than the wildly fluctuating markets. Not only do they offer such low-risk opportunities, but they come with decided tax advantages too. Most investors can look at their TD income as a tax free source until the time of withdrawal, which makes them a great option for those with self-directed IRAs.

Finally, when seeking trust deeds for sale it is interesting to note that a vast majority of private money lenders, which is another way of looking at those investing in trust deeds, will end up working with a group or business within fifty miles of their home area. This means that the trust deeds you purchase are likely to fund projects or properties within your neighborhood or city. This is a good thing because most TDICs spend tons of time evaluating the asset that they will recommend to investors; even more than any traditional bank. This also means investors can physically "see" and visit the projects in which their funds are being used.

http://www.revreo.com wholesale real estate opportunities

For real estate note opportunities, please visit our site

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Types of Bonds

You may be thinking about investing your money into bonds. These are viewed as being less risky than the share market, as companies or governments guarantee them. Government bonds are seen to be the most secure of all bonds, as it is more likely that a corporation could go bankrupt before the government. When you take out a bond, you are actually loaning money to that organization or government entity and they will pay back to you your initial investment plus the additional money you earn for lending them your money. Make sure that you consider what is the best investment for you situation.

Treasury bonds are possibly the most common bonds you have heard about. These are in the news a lot as the Uncle Sam is raising money to bail out the economy from the recent financial crisis. These are long term so you need to be prepared to invest your money, most likely for more than 10 years. This type of investment is viewed as one of the safest that you can make. These bonds are sometimes called T-Bonds. Similar to treasury bonds are agency bonds. Agency bonds are issued by U.S. Government agencies. These bonds are not viewed as being as safe as treasury bonds are. Although these are backed by the U.S. Government they are not guaranteed by the U.S. Government, unlike the treasury ones which are guaranteed. Another type of these are municipal bonds. These bonds are issued by state, local or city governments to raise funds to provide services to the community. These services include roads, schools, community centers and many more. The good thing about these bonds is that are generally exempt from taxes on the interest they earn and your investment is providing worthwhile services to the community. These investments are secure, possible to the same extend that the agency ones are.

Corporate bonds are issued by private companies to raise cash. These bonds are not as safe as the government ones, so they will normally offer higher returns to make them more attractive to invest in. The zero-coupon bonds offer no interest (or coupons). You may think well why would you invest in these? The reason is that these are sold at a significant discount to what they are valued at. This means when they mature you get the value price when you sell them not what you paid for them, which can mean a huge profit to you. The final type is very well known, it is the junk bond. This is known for giving higher returns or losing all you money, hence the name junk. This type is only those who are willing to take the high risk of losing everything, with the chance to get high returns instead.

Tom has been writing for many years now. Not only does this author specialize in financial matters, you can also check out his latest web site at http://braunpowermax.com/ which reviews and lists the best Braun PowerMax MX2050 blenders for your kitchen.

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