Investment Articles

What is a good investment for you as a individual. Individual investors have to carefully examine, as best they can, present circumstances and likely future events. A pretty tall order these days when there is a lot of volatility in the market.

At one time individual countries tended to have their own ups and downs but now the global markets can affect many investments as has been witnessed with the the knock-on effect pretty much worldwide following the US housing crisis. Needs change with time and a sharp eye should to be kept on existing investments.

Here are a few consideration. Do you need capital growth, income or both and when? How worried are you about risk. Some people can shrug off manageable losses and others can’t. This could determine what type of investment you decide on.

Do you need a long or a short term gain and how convenient does it need to be. Investment property for example, even well managed by experts normally requires input at some stage by the owner and often additional capital for maintenance.

Depending on where you are, you may need to take considerable advice regarding planning to mitigate tax on your death if you want to leave to beneficiaries. This can be especially true if you have had the pleasure of investing in antiques or collectibles and you are anxious that they are not sold on your death. Perhaps you would prefer an investment that is also a hobby, collectibles such as stamps can be extremely enjoyable and profitable.

Many years ago when I worked for a merchant bank subsidiary I sometimes found that an annuity payable until death, whilst a good investment was not chosen as an income stream because the potential investor wanted to preserve income for their family or favorite charity when they died.

The family home is not subject to tax in some countries and many people choose to use it as a main source of capital investment. The danger here can be one of optimism in a rising housing market. This can be dangerous if heavy borrowing has occurred. In retirement a family home can also become too big an upkeep physically and financially.

Always worth investigating is gold and silver if you do not need immediate income. In the long term they have out performed many other investment vehicles.

As with all good investments it is vital to research, research and do more research. Talk to as many experts as you can and look at their past history before entrusting your money to them.

Norma Kirkland invites you to find more useful information at http://good-investments.net. If you require further information please drop an email once there.

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If you want to get rich then entrepreneurship is the best path to take to achieve that goal. While it is possible to make a lot of money when you work a job, you income will always be capped at the yearly amount your company is willing to pay you. When you have your own business, however, your income potential is limited only by how hard you are willing to work and your ability to generate business. A good industry to get into for those interested in making money is the insurance business. You don’t have to start your own company either. Here are a few tips for acquiring an insurance company.

Before you start the process of acquiring an insurance company, it is important that you have knowledge and experience with the type of insurance that is being sold. For example, if you want to invest in a company that sells health insurance, then you should know the ins and outs of the industry, how it is sold, how the plans are put together and so on. This will better assist you in evaluating the packages the company offers. If you have no experience, then you should get training and even work as an agent for a few years before you make the investment.

Acquiring an insurance company will require a large capital investment. Therefore, you need to figure out how you are going to get the money to purchase the company. You can get a loan from a bank but the bank will want to see the company’s financials to ensure that it is solvent and that you will be able to pay the money back. If you are not able to get a traditional loan then you may need to bring on investors. You should look into angel investors and venture capitalists who may be interested in getting into the insurance business with you.

Acquiring an insurance company is really not that different from buying other types of companies. You want to look over their financial statements and marketing plans to evaluate the growth potential of a company. If the company is not making money now, how do you hope to change things so that it will be profitable in the future? Be realistic. The last thing you want to do is to buy an insurance company and have it go bust because you couldn’t get it out of the red. Do you due diligence and make sure the company is worth buying.

Sean Johnson is an Investment Advisor for http://www.inquest.biz an Investment Referral Service for investors requesting information on specific investments.

Over the long term, there is little that can beat the stock market for investing potential returns. For over seventy years, the stock market has averaged around a ten percent increase each year. However, stocks come with varying degrees of risk, but they all come with risk. Investing in bonds is considered much less risky than the stock market. Bonds are offered by companies, government entities, and organizations. When an investor purchases bonds, they are loaning the issuer money. At a set period of time, the bond will mature and can be redeemed for the cost plus possible interest earned. The interest rates on bonds are not all that impressive.

However, the risk is considered very low because unless the issuer is a company who goes out of business, the bond holder will at least receive his capital investment back again. Investing in bonds can offer interest paid annually to the bond holder. These factors make bonds a popular choice with retired people. While retirement funds may be built up using investments in the stock market, many people shift their money to less risky investments when approaching retirement age. During retirement, even less risky investment vehicles are used. The pay out of a bond’s annual interest earned can be distributed monthly or quarterly, helping retirees with income cash flow.

There are different types of bonds that are available to investors. Investing in bonds can be in the municipal, corporate, government, mortgage-backed, asset-backed, and international bonds. Within each of these categories, there are even more subcategories. Within the subcategories, specific bonds come with different interest rates, maturities, issuers, and other features. The United States bond market is the largest securities market in the world. The average trading daily on the United States bond market is comprised of 1,036 billion, while the United States stock market trades 169.1 billion dollars.

Bond money is used to pay for improvements to schools, building libraries, road developments, power plants, transportation systems, among other things. Company bonds are often used during times of growing pains. As the company makes a large leap in growth, internal cash flow may not keep up with the needs of the company fast enough. Bonds can be issued as an effective way to bridge the gap between the sharp increase in growth and the resulting profit influx. As with any security that an investor is considering, investing in bonds should be researched and carefully considered. Though they are low risk, there is still some risk involved.

Sean Johnson is an Investment Advisor for http://www.inquest.biz an Investment Referral Service for investors requesting information on specific investments.

Investing for inflation is not easy but it must be done or else we are sure to bear the brunt in the long run. A common problem that complicates practical decision making in investment is inflation. The trick is to be consistent when it comes to tackling inflation in discount rates and cash flows. The world over, inflation is a part of life now. Inflation in double digit is a common characteristic in the developing countries. As the cash flows in a project of investment occur over a period of time, a business should be concerned about the impact that inflation will have on the profitability of a project. The results in capital budgeting would be biased in case the force of inflation is incorrectly factored in an analysis. As you can see investing for inflation requires in depth knowledge of how inflation works.

Executives recognize the existence of inflation. However, they do not think it necessary to include it in the capital investment analysis. This makes investing for inflation problematic. They usually estimate the flow of cash assuming costs of unit and the selling price that prevailed in year 0 as uncharged. According to them, if inflation exists, the prices could be increased so that increasing costs are covered. Hence, the impact on the profitability of the project would not change if the inflation rate was assumed as zero. You might find this argument convincing but is actually fallacious. Here are a couple of reasons for this. The rate of discount that is used for discounting the flow of cash is usually expressed in insignificant terms. It is inconsistent and inappropriate to use nominal rates for discounting constant flows of cash. Costs and selling prices show different degrees of responsiveness where inflation is concerned. The prices of certain products are under government control or restrictive competition. There might also exist a contract for the long term to supply services or goods at fixed prices.

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Worldwide, Binary Options grows and are becoming more popular these days. This is due to a simpler and fewer risks in investing. It also covers a low capital investment for people who want to start the trading business.

Let us look into some of the Binary Options guides to have a more profitable trade in the foreign exchange market.

The difference between the traditional and binary is the traditional is usually for a long term investment process. While for the binary trading, it has a short term trading process. So the profit can be easily withdrawn without waiting for a longer time.

Fores binary options trade pays out a 60 to 81 percent and a percentage return loss will sum up to 15 percent of one’s investment. This is not bad for an investor because there is still a return in profits.

Although this is a simple trading strategy, proper knowledge of the options in binary trading is a must to be successful. Be acquainted with the terminologies, trending prices and patterns of your chosen investment.

When starting the chosen trade, pay an extra attention and effort to monitor it for about a week or two to determine the capabilities of the chosen asset. Be aware because time is of the essence when working out this kind of business.

Because time is of the essence, there are hourly and daily basis for binary trading. The best time to do it is the hourly expiration time. This is to optimize the time for lesser chance of fluctuating prices.

There are two types of trading options, the American style and the European style. The American option is automatically in effect when the peak amount of price is occurring. The European style which is the most common in trading options is done when the strike amount is estimated at the expiration date.

Binary trading options don’t need a genius in the trade. The important thing is to monitor properly and know the fundamentals of currency exchange. It is all about predicting the trading market by two ways. The call or put option only.

To “call” the price determine if the predicted price will go up and if the price will go down, better bet for “put”. It is simply choosing between black and white or cash in or cash out.

There are options that have bonuses and promotional goodies for investors. Choose the right one for you and be sure that it is reliable and profitable. IF for example you invest in that asset trade, your $50 capital may double if you invest in them.

Another advantage of this kind of trading option is you do not have to wait for a long time for your investment to mature and gain profit. Within an hour or a day, you will double the amount on what you have invested.

Keep in mind that this trading design is to help you gain profit. If you want this kind of investment, be prepared and get the proper information on how does it work for you. You should also have the confidence and the guts to succeed.

Binary Options can be an ideal complement to traders who enjoy trading in forex markets and are looking to expand their trading “tool kit” into binaries, gaining exposure to additional markets such as shares and commodities. Get started today http://www.binaryoptionslive.com

A common problem, which complicates the practical investment decision-making, is inflation. The rule of the game is, as we shall emphasize in the flowing discussions, to be consistent in treating inflation in the cash flows and the discount rate. Inflation is a fact of life all over the world. A double-digit rate of inflation is a common feature in developing countries. Because the cash flows of an investment project occur over a long period of time, a firm should usually be concerned about impact of inflation on the projects profitability. The capital budgeting results will be biased if the impact of inflation is not correctly factored in the analysis.

Because executives do recognize that inflation exists but they do not consider it necessary to incorporate inflation in the analysis of capital investment. They generally estimate as cash flows assuming unit costs and selling price prevailing in year zero to remain uncharged. They argue that if there is inflation, prices can be increased to cover increasing costs; therefore, the impact on then projects profitability would be the same if they assume rate of inflation to be zero. This line of argument, although seems to be convincing, is fallacious for two reasons.

1. The discount rate used for discounting cash flows is generally expressed in nominal terms. It would be inappropriate and inconsistent to use a nominal rate to discount constant cash flows.

2. Selling prices and costs show different decrease of responsiveness to inflation. In the case of certain products, prices may be controlled by the government, or by restrictive competition, or there may exist a long term contact to supply goods or services at a fixed price.

The drugs and pharmaceutical industry is an example of controlled, slow-rising prices in spite of the rising of the general price level. Costs are usually sensitive to inflation. However, some costs price rise faster than other. For example, wages may increase at rate higher than, say, fuel and power, or even raw material. There are yet examples of certain items, which are not affected by inflation. The depreciation tax shield remains unaffected by inflation since depreciation is allowed on the book value of an asset; irrespective of its replacement are market prices, for tax purposes.

• Sunk costs
Sunk costs are outlays incurred in the past. They are the results of past decisions, and cannot be changed by future decisions. Since they do not influence future decisions, they are irrelevant costs. They are unavoidable and irrecoverable historical costs; they should simply be ignored in the investment analysis.

http://professional-edu.blogspot.com/2010/06/196-investment-decisions-under.html

There are many organizations that are investing into new projects with expectation of reaping future benefits from them. Investing in new project requires immediate capital outlay but the return may not be immediate.

After an organization invested in a capital investment project, it would be beneficial to prepare financial projection papers on how to manage the future cash flow on it. The preparation process of the report is simple but not easy if you are a non-finance staff.

The following are some guidelines on how to prepare the cash flow projection report on the project.

Let assumed that the project is expected to generate a stream of cash flow to the organization. It involves taking the changes in day to day cash activities generated or used on the project. When preparing the report, the following guidelines should be taken into consideration.

1. Revenue.
You should only take in the incremental revenue generated by the project. All other revenues should be excluded.

2. Expenses.
Similarly to the revenue, you should only take in the incremental expenses incurred by the projects. If the project causes saving in cost or expense, you should also recognized it in your report.

3. Taxes.

Include taxes that are incurred by the project.

4. Working capital.

Any changes in working capital as a result of the project should also be taken into consideration.
An example of a simple template would be as follows:

REPORT TEMPLATE

Change in revenue
Less: Change in operation expenses
Less: Change in depreciation
Less: Change in tax
Less: Change in new working capital
Net operating cash flow from project.

Read about corporate budgeting at http://www.budgetingandforecastingsoftware.org

Introduction
The bottom line of every business is controlled by finance. The strength of finance includes control of the future of all the employees of a certain company. There are diverse aspects of investment controlled by finance. A company’s cash flow management is based on its investment policies. A proper financial investment helps a company in maintaining a perfect balance in the cash flow such that there is no sudden deficit that could lead to hazardous results. Financial investment in a planed manner has a role to control the investment, insurance and risk management issues of a company. These together contribute towards economic success.

Risk, Rate and Diversification
Before one goes through the deep features that are included in financial investment, it is required to understand the concept of risk. There are basically two different meanings that are given to risk. It could either be considered as loss of a certain portion of the capital investment or not enough profit as compared to the assets at stake. It is impossible to eliminate risk entirely. It can be reduced by diversifying the business. The intelligence lies in managing the risks such that if taken in the short term, it produces a long-run benefit. One should manage risks such that it lies well-within the context of the aimed goals. (The Daily Angle, 2009)

The next important part of investment is the rate of return. It is often believed that the more a person takes risks; the higher would be the rate of return. Whenever there is greater amount of security that comes from lower amount of risks, it becomes more suitable for the risk avert investors. This is termed as risk/rate trade off.

The third most important part of investment in finance is in terms of diversification. It is a reality that if a company deals in just one sort of business, there is a higher probability of failure. If the same company has many forms of business, then one form can certainly counteract the other. This is the benefit of diversity. Diversification in business can be adopted in the following ways:

• Across asset classes
• Across markets and regions
• Across investment management styles

Factors of Successful Investment

• One would have to decide the appropriate time as to when to sell a fixed-interest investment. If a person sells the same before the time of maturity, there are chances for the rate of interest to fall within the period of holding the investment. If this happens, the seller could enjoy a profit on the original investment.
• At the same times, if the interest rate rises during the time of investment, then there are chances that the seller would receive a lower amount as compared to the amount he could have received at maturity. This would therefore result into a loss.
• Another important factor that the investor must keep in mind is that the way a form of maturity or bond performs in the market would be different for different bond or maturity based on the economic conditions of the market. There could be arise but at the same time a fall too. (Vong, 2006)

Sources of Finance

Internal Sources

Personal Savings: In this form of financial sourcing, a businessman invests money in his own business. A substantial amount is used for running one’s own business.

Retained profits: In this form of sourcing, a businessman doesn’t use his money but saves it. These profits are termed as kept by the accountants and not spent.

Working Capital: The daily expenses that are accounted in the firm are termed as the working capital. This includes stationery, rent, wages etc. The working capital can also be defined as the difference between the assets and the current liabilities of a company.

Sale of Assets: This form of financial sourcing is required when the business is in desperate need of cash. At this point of time, the only alternative left for the company is to sale some of its fixed assets as they do not provide any revenue and use it in the development of the business. (Radcliffe, 2005)

External Sources

Ownership Capital:

Ownership refers to those businessmen who are shareholders. This occurs in a limited liability company as the partners and the owners of businesses are not holders of shares. There are two types of shares:

Ordinary Shares: These are those shares that are issued to the owners of a company. These shares can be entitled to dividends once a fixed amount of profit has been made or after a certain date. The ordinary shareholders can put funds into the companies through their respective retained profits. This might not bring in large amount of funds but it is preferable as a low-cost source of finance. The ordinary shareholders can also put their funds by paying for a new issue of shares. This is efficient when a company is in the growing stage.

Preference Shares: These are those shares which have a fixed percentage of dividends even before the ordinary shareholders receive any amount of dividends. It can be advantageous as these dividends are not required to be paid in those years when the profit has decreased substantially. There are no voting rights associated with these shares so there is total control of the shareholders. It does not put any restriction in the borrowing power of the company. (Brigham, 2004)

Non-Ownership Capital:

Debentures: These are the raised capital of a company in the long-term for which interest is paid under a written acknowledgement. They can be advantageous when the interest rates are volatile in nature. The coupon rate of debentures can be changed according to the fluctuation in the market rates.

Bank-Lending: These are the most important forms of financial sourcing. These are generally for a shorter period of time but at times they can also be taken on a medium-term basis. In case of short-term lending, the companies are required to keep an overdraft which is given by the bank and the interest is charged accordingly on the given amount. This is generally done for a period of three years or less. The medium-term lending is done on a three to ten year basis. This sort of lending is done for the larger companies according to a set margin depending on the riskiness and credit-standing of the borrower.

Leasing: In this form of financial sourcing, there is an owner of an asset who allows another person to use it. Here, the user is responsible for the equipments granted. (Metrick, 2006)

Terms of Investment in Finance

Opportunity Cost

Opportunity cost gives the best possible alternative that could be considered in making the investment decisions of a company. The basic principle of economics is to consider the resources as scarce. Under the situation, opportunity costs refer to that cost which makes sure that there is optimum utilization of the resources. Let’s say a company invests a sum of 5,000,000 ADE in the training and research programs, then its effectiveness can be measured when the company analyses the consequences of spending the same amount in some other operational cost. So, before accessing the rue cost of any financial decision, calculation of opportunity cost is a fundamental.

Net Present Value (NPV)

The value of inventory changes for a company gradually over a certain period of time. The net present value is the actual present value derived from the cash flows over that period of time. It includes a specific discounted rate which is according to the rate at which the capital needed for a certain project could be returned. So, NPV is the total value that a particular investment in the firm adds value to that firm. If it is greater than zero, it is accepted or else rejected.
Internal Rate of Return (IRR)

IRR gives an indication of the quality of the investment. It tells the company whether they should make the investments or not. So, a good IRR indicates that a particular project gives a better yield as compared to the alternative investments. In general, IRR should be larger than the cost of the capital for adding value to a company. (Wilmerding, 2006)

Discounted Rate of Return

The discounted rate of return gives the expected rate of return of an investor from an investment.

Roles of Investment in Finance

Strategic Role: The strategies with respect to the investment in finance are based on its objectives. The strategic role of financial investment is to ensure that the policies implemented by the company eliminate all those elements that have no contribution to the financial success of the company. A company should plan its financial strategies in such a way that they are not only opportunistic in nature but also practically feasible. They are bound to avert risks to the maximum. A proper dissemination of the policies of a company is also a part of the strategic role of the financial investment. This keeps the employees on track of the financial restrictions of the company.

Operational Role: The operational role of the financial investment process is to restrict the company members from crossing the boundaries of financial distress. The operations should provide a platform for the future planning of the company. This is more prominent with maximum involvement of the manager. Another important role of the financial investment is the training of the members of a company to live up to the financial requirements of the company. This includes the budgeting process and the methodologies involved in maintaining the cash flow. All the assets and the debts should be managed as a part of the operational role of the financial investment. So, much of the balance sheet of a company owes its being to the operational role of financial investment.

Responsibilities of Investment in Finance

The financial investment of a company is bound to affect the stakeholders. A company lives on the expectations of many of its stakeholders. Even during tough financial times, the company should make sure that it is able to meet the stakeholders’ expectations. This has an adverse affect when the prices of the shares of an organization suddenly lower. A stakeholder would invest in a company when he is confident of the fact that the investment in the company would not let the prices go down. A company should therefore have a risk calculated amount that helps it in these periods. (Lerner, 2008)

I am a pre final year student at the Indian Institute of Information Technology and Management, Gwalior, India pursuing a five year integrated course (dual degree) leading to the award of B.Tech (Information Technology) and MBA. I am currently in the 9th Semester. ABV-IIITM Gwalior, a Deemed University, is an apex Institute, established by the ministry of HRD (Human Resource Development), Government of India.
The competitive environment at my Institute coupled with my inherent trait of trying to learn something new from each experience has made me come a long way in these four years. I have not only learnt to work under pressure and intense competition with some of the brightest students in the country but have also worked with an esteemed KPO called CBI Solutions in the meanwhile. This has given me the experience to get exposed to some of the most challenging marketing traits in the business. Moreover, I have been awarded first rank for IT and Entrepreneurship at the end of my 7th Semester.
I have been privileged to work at Polaris Retail Infotech Limited, Gurgaon from May to July’08. This taught me the practical application of relationship marketing as I saw the preparation of customer interfaces through their software Smart Store. This is visible at billing counters at retail stores of the fame of Shopper’s Stop. Also, I’ve been in the editorial board of my college magazine, La Vista for the past 3 years and eventually I hold the responsibility of the Chief Editor.

If you wish to have a diversified portfolio with less risk and huge gains, then a fixed annuity investment plan is definitely the answer for all your questions. Over time, the need for fixed annuities amongst investors has increased tremendously for the simple fact that they are more secure than other investment plans. They also have better benefit options when it comes to taxation too.

Deferred annuity investments are deferred in all senses. The return on investment or the earnings of the investment itself can be deferred to a particular time period. Unlike other investment plans, the deferred investment has a deferred payout and the taxation of the earnings is also differed. It means that the amount earned by the investment during the course of time is completely tax free until the time you actually withdraw the earnings. Now, you have the choice to choose when you wish to withdraw the amount and you can delay withdrawing the same until the time of your retirement, thus making it fall under a lower tax bracket.

Fixed annuities also have better security in comparison to other investment plans. If you choose an insurance company that has an A or better rating with a rating agency, you can be assured that your investment is safely dealt with in the market. The reason that you need to choose a company with better rating is for the fact that such companies have strict and stringent capital investment laws that they need to follow, thus making you funds more secure.

A fixed annuity is also more liquid in comparison to other investment plans. Unlike other investments, you can actually withdraw a portion of your principal amount at a very minimal interest penalty of ten percent. Closure of such investments prior to the date of maturity is also possible once a particular closure fee is paid. The closure fee is usually calculated on a diminishing scale, bringing the fee percentage to zero close to the time of maturity.

Rate of returns earned on a fixed annuity is based upon the maturity period of your investment and also upon the current market condition. Since all of these investments are for a period of three to ten years, the rate of returns is definitely better. Since the returns are not taxed until the time of withdrawal, the actual amount earned is not affected at all.

Darius has been writing online for a while now. He has a wide range of interests and topics that he likes to write about. You can check out some of his websites at http://www.antispamgratuit.net and http://www.chamberlaingaragedooropener.org

Just recently I sat down with my CPA, Dan Marsh, from Senger, Marsh, and Associates and we got into an interesting discussion about the potential affects of inflation. It’s sad to say that so many people (myself included at times) come from a place of not preparing themselves for the future simply because they are engulfed by their today. Simple example: the housing crisis we are in today. It has always been the American dream to buy your own house but for many people, they are living outside of their means and/or are just not in a position to makes such big investment. “But we can make it work, so let’s do it.” It’s been that mentality that has made it very difficult for people to live into your future because the future is often times a bit unpredictable.

The same is true with inflation. People are starting to discuss it, others are being watchful of it, but the majority of people have no idea the affect that it’s going to have on the wealth of this country and us as individuals. Inflation, by definition means, “the rate at which the general level of prices for goods and services is rising, and subsequently, purchasing power is falling.” PURCHASING POWER IS FALLING. Those are the terms that we as Americans, we as individuals, should be very aware of. And in all honesty, it should make us shake in our own boots. Why? Because the money that you’ve worked so hard to make, to create, to grow, is now in jeopardy of actually losing it’s buying power, which means you are actually going to have to spend more to buy less.

That goes for your investments as well. Many of the avenues of money placement is not necessarily going to be the best “holding tank” for your money in the future. Granted, our money systems have always been somewhat volatile, but when you are actually positioning yourself to lose control of your own dollar amount, that is what I call volatile! And I see it as being one of the most debilitating things you as a hard working individual could ever experience. Whether you are a successful entrepreneur, looking ahead to retirement, actually participating in retirement, or are just starting out on your own financial course, inflation can affect us all. It’s time to make a change!

So what about the idea of keeping your money on the sidelines? That’s a question I receive on a regular basis… I will communicate my point once again in saying that because of the inflation, our dollar’s value is decreasing and so is our purchasing power so if you intend to “keep your money on the sidelines” to avoid the devastation of decrease, think again. Inflation does not work that way. And by trying to just play it safe, you are actually hurting your own financial being. So the concept of keeping your money on the sideline is like you jumping into the tank with all the “fish” who are being circled by massive sharks. It’s time for a change!

The first thing I would do to equip you to not be one of the ones reaping the devastation of the incoming inflation is to be active in pursuing information. Instead of playing on the defensive side, be aggressive, pursue knowledge, wisdom, and information. Study everything that you can, begin to learn what’s working and what’s not, and do the best you can to align yourself with people who actually have results in their life that you are looking for. Financial results will prove to you that they know their stuff.

The second piece of advise comes to you in 3 easy to remember words: Hard, Tangible, Assets. Those are the assets you can see, feel, touch, and control. Assets such as real estate, land, gold, and silver, to name a few. These are assets that will not lose your purchasing power because they are actually tangible assets that when purchased appropriately will continue to appreciate and make you money while everyone else is losing their position in doing so. These tangible assets are some of the best avenues for you to look into. It is one of the best times to buy real estate, interest rates are at a record low, sellers are needing to sell versus wanting to sell, silver and gold are increasing in value, and once again, history is repeating itself proving that the dollar does not have as much “staying power” as real, raw assets.

Times are changing. What once worked does not always work anymore. Do not resist the flow of our economy. Increase while others are decreasing.

Julia Gentry
Ideal Capital Investments
julia@idealcapitalinvestments.com
303-337-4245
http://www.IdealCapitalInvestments.com