Investment Articles

Investments in precious metals have always been popular among people. And there is nothing weird since this type of investment is considered to be one of the safest possible options. The other great advantage that can not be disregarded is stability. Basically speaking, due to the number of benefits more and more people all over the world are considering this investment choice. And here comes the other questions: Which of the precious metals you should invest in? It goes without saying that gold and silver are the most popular variants. So, which one to choose – gold or silver investment?

The following information will help you to make this choice.

To begin with it should be pointed out that silver formed proportional raiser that was almost always higher than the one created by gold. In addition, the cost of silver increased in 3 – 4 times while cost of gold doubled. To go into more details there is a need to add that it is a historical fact that the cost of silver has been significantly rising every time the dollar rates dropped.

The other important aspect to take into consideration is that silver was more frequently used for industrial purposes and consequently this strengthened its value. For example, this metal is used in plastic industry, photography, digital cameras, laptops, coin minting, and so on.

Besides, there is one more important plus of silver as an investment option. I am talking here about its affordability if compared to gold which is usually bought by rich people.

As you can see, all the things mentioned make silver a really great and safe investment. But, at the same time, you should understand that is not reasonable to neglect investment in gold. And if you want to diversify your investment portfolio both metals discussed should be included. This will be the wisest decision for you to make.

P.S. If you are interested to join the interactive discussion help on YouTube.com about online investment tool – please comment to the Income NonStop video review and share your personal feedback.

It just hit me one day! There are all of these online investment sites urging you to invest, invest, invest, or apply for a loan, apply for a loan, apply for a loan! Really, these online investment sites seemed to just appear out of almost nowhere and they also seemed to be everywhere.

I initially found these sites to be just plain old annoying when they first exploded onto the scene. The advertisements began to blur together in my mind, due to the sheer volume of different company names and slogans, I can only suppose.

Well, one day it kind of dawned on me. YOU (the consumer) could use these sites to make some PASSIVE MONEY! In my opinion, that is the absolute best and most rare form of cash!

How is it done, let me tell you. In just 2 sentences.

Here it goes:

Approach one of these flashy online investment/loan sites and request a loan of a certain amount of money. Get the money and then re-invest the money back into the site.

Yep, it’s that easy.

However, there is an important point that you cannot miss! You need this key concept to make the investment work for you! You must re-invest the money into investments with the online site that have a greater return (interest rate) than the loan you took out!

Now, here is the FUN math part! The greater the difference between the interest rate of the investment and the interest rate on your loan, the more PASSIVE CASH YOU WILL MAKE!

An example, you get a loan from X online investment site for $10,000 at an interest rate of 10%, for a term of 2 years.

You take all of this money and re-invest it into X online investment site, making sure that the investment has an interest rate that is greater than 10% (remember the investment has to have a higher interest rate than your loan for this to work).

Back to the example, you re-invest the entire $10,000 into an investment with X online investment site at an interest rate of 15%, for a term of 2 years.

Here is how it works out:

Once the 2 year investment/loan term is finished, what exactly will you have?

Loan:

$10,000 times 10% = $1,000 times 2 years = $2,000

$2,000 plus $10,000 = $12,000

So, after the 2 years passed, you would have paid $12,000 in total for your loan.

Investment:

$10,000 times 15% = $1,500 times 2 years = $3,000

$3,000 plus $10,000 = $13,000

So, after the 2 years passed, you would have made a total of $13,000 on your investment.

For your profit? As usual, investment dollars minus loan dollars.

$13,000 minus $12,000 = $1,000

$1,000 profit.

AND THAT IS $1,000 PASSIVE DOLLARS! THE MONEY WORKED FOR YOU, YOU DIDN’T HAVE TO DO ANYTHING!

Now that is what I call, the perfect online investment idea! And it can be explained in just 2 sentences!

Lisa Kai Lee is a 30 year old wife living with her husband in the Los Angeles area. Lisa Kai Lee has a website http://www.lisakailee.com that is filled with useful information that you just might need to know someday! SMART TIPS FOR SMART PEOPLE Visit and subscribe!

Investors are a dime a dozen, and there are countless ways to invest money into thousands of different markets. Successful investors are knowledgeable in multiple markets, generally specializing in more than one, so as not to keep all their money in one place. When first starting out in investing, it may be a good idea to look into an investment club which provides many opportunities for the new investor. There are five types of investors that fit well within the investment club structure:

1. The “I’m not ready to go out on my own!” Investor: This investor is someone who just does not yet have the expertise or knowledge required to be successful in any market. By participating in an investment club, this investor will learn from a pool of like-minded people on how best to invest their money, make smart financial decisions, and manage their money.

2. The “I am passionate about learning new things!” Investor: This investor is a person that loves to continually expand their world with new things, new ideas, and new people. Investment clubs are designed to explore the wide world of investing and educate members by having them participate first-hand.

3. The “I love to socialize AND make money!” Investor: Some people join investment clubs simply because they enjoy meeting new people, team problem-solving, team planning. With online investment clubs being all the rage, people from anywhere in the world are able to participate, pool their resources, and have fun doing it.

4. The “I want to make extra money for college/retirement/vacations” Investor: These days, it seems that everyone is looking for ways to supplement their income. It could be to pay for tuition or plan retirement or even to add to a limited income due to retirement. An investing club offers direction and education, and that helps avoid the dangers of a trial and error approach.

5. The “I want to invest but do not have a large amount of funds to start with” Investor: Most people don’t have large sums of money sitting around, but they do have an extra $20 a month to add to a pool of money to be invested as a whole. Given that starting out alone with such a small initial outlay can prove near impossible, pooling resources with an investment club is an ideal solution.

It is impossible to categorize all the different types of investors, but as the need for supplemental income increases, more and more people are looking for solutions to their financial needs. Most people don’t even know that investing could be their solution to their needs. If you are new to the world of investing, or perhaps unsure whether or not it is even a feasible and affordable option, it is definitely worth considering joining an investment club.

To learn more about investment clubs, please be sure to visit http://www.investmentclubhelp.com

Investors are a dime a dozen, and there are countless ways to invest money into thousands of different markets. Successful investors are knowledgeable in multiple markets, generally specializing in more than one, so as not to keep all their money in one place. When first starting out in investing, it may be a good idea to look into an investment club which provides many opportunities for the new investor. There are five types of investors that fit well within the investment club structure:

1. The “I’m not ready to go out on my own!” Investor: This investor is someone who just does not yet have the expertise or knowledge required to be successful in any market. By participating in an investment club, this investor will learn from a pool of like-minded people on how best to invest their money, make smart financial decisions, and manage their money.

2. The “I am passionate about learning new things!” Investor: This investor is a person that loves to continually expand their world with new things, new ideas, and new people. Investment clubs are designed to explore the wide world of investing and educate members by having them participate first-hand.

3. The “I love to socialize AND make money!” Investor: Some people join investment clubs simply because they enjoy meeting new people, team problem-solving, team planning. With online investment clubs being all the rage, people from anywhere in the world are able to participate, pool their resources, and have fun doing it.

4. The “I want to make extra money for college/retirement/vacations” Investor: These days, it seems that everyone is looking for ways to supplement their income. It could be to pay for tuition or plan retirement or even to add to a limited income due to retirement. An investing club offers direction and education, and that helps avoid the dangers of a trial and error approach.

5. The “I want to invest but do not have a large amount of funds to start with” Investor: Most people don’t have large sums of money sitting around, but they do have an extra $20 a month to add to a pool of money to be invested as a whole. Given that starting out alone with such a small initial outlay can prove near impossible, pooling resources with an investment club is an ideal solution.

It is impossible to categorize all the different types of investors, but as the need for supplemental income increases, more and more people are looking for solutions to their financial needs. Most people don’t even know that investing could be their solution to their needs. If you are new to the world of investing, or perhaps unsure whether or not it is even a feasible and affordable option, it is definitely worth considering joining an investment club.

To learn more about investment clubs, please be sure to visit http://www.investmentclubhelp.com

For centuries, investors have known of the benefits presented by joining investment clubs. With the advent of today’s current technology, online investment clubs are now gaining in numbers by the thousands. Unfortunately, this poses an increased risk of falling prey to unscrupulous people just waiting to pounce on unsuspecting inexperienced investors to take their hard earned money.

There are several ways one can find a legitimate online club and be assured they are investing their cash with a group that will produce profits.

Search online for existing investment clubs that are seeking new members. A club that has been around a while is more likely to be legitimate. Be sure to check their background by contacting the NAIC (National Association of Investors Corporation), using a search engine to search their name and the word “scam.”
Ask any club of interest to see the club’s “agreement” or by-laws. Reputable clubs will have a document which defines mutual goals of the club, outlining responsibilities, meeting agendas, etc. This will help in understanding if the club’s goals are in alignment with personal goals as well as providing proof that the club means business. A well organized club runs smoothly, with little or no disputing among members.
Interview other club members to make sure the overall atmosphere is healthy and everyone gets along. Warning signs would be if there is one or two members that are complained about by other members or if no one responds to inquiries.
Ask about their accounting practices. Legitimate clubs will have accounting software in place that provides accurate reporting, valuation, tracking of investments, pay-outs to members, etc.
Learn how the club conducts meetings: Are they online in a chat room? Are meetings conducted via telephone? Are they using an online club forum?

Online investment clubs are a great solution for those investors who do not have the time to meet face-to-face with other members, but still want to expand their own knowledge of the investing market through working with others. Do your homework, research, ask questions, and decide if online clubs are right for you.

To learn more about investment clubs, please be sure to visit http://www.investmentclubhelp.com

Internet money scams
Millions of people are being scammed every day on the internet. People loose their life savings on programs that offer them the world, only to find out that they were not genuine. Every where you turn on the internet there are ads and programs promoting money, how to make money and you have won money. The people who put those ads know that one out of ten will give in. The search engines, classified ads, forums and message boards some times have warning alerts, but even that does not stop scammers. There are people who are wicked and malicious, and will do every thing to steal, rob people’s hard earn money on the internet. The same way in physical business on land people commit fraud and steal money, they do the same on the internet. So have your eyes open. This is real.

Look before you leap
Before you invest or spend money on the internet, be sure you do your due diligence work by checking out the websites and programs offered. Yes, there are many good and honest sites, but some are bad and dangerous. You can make money on the internet, but you need to use your good judgment. Spend a little time to look at the programs that are offered. Do they make sense, are they looking genuine? Do not just rush into things without due consideration. It will pay you in the long run. Do not just take people for what they say and promise. Be sure you need that particular thing or program. Do not just jump into things. Don”t be pressured to pay for any thing. You have to make up your own mind that is what you want. Some people use sales pressure on the internet to make you buy what you do not need. Be careful!

Online investments and scams
Yes, there are many scammers on the internet looking to fish your money out. They come in all forms and shapes. They come with all promises, hopes and programs. On the other hand, there are honest and genuine people and businesses on the internet. People are making money. more than ten million people are making their honest money and living using the internet in honest ways to make money. People make from $1-1,000,000 monthly using the internet. There are many opportunities online. With patience and good judgment, you can find things to do, businesses where you can invest your money. The internet is here to stay. In the next five years businesses will have to use the internet to get customers to survive. That is just the reality of the times. You can make an honest living using the internet. Thousands of companies are offering products that you can sell. There are a few honest investment businesses where you can invest your money and get better returns than local banks. Yes, not all online businesses are scams. Visit this website to learn more about online scams and honest online businesses.

Ray John; Freelance writer on business, investment, internet business and money

online money business

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

When looking at the different types of investments to put your money in it’s important to understand the risks associated with each. Investment risk generally relates to the possibility of losing your money, either in the short term or the long term.

As an example the kind of factors to take into account regarding risk are:

The risk of falling short term values.
The risk of falling long term values.
The risk the provider going out of business.
The risk of making less than other asset types.
The risk of choosing the wrong investment account, plan or fund.

These provide an idea of just some of the considerations to take into account before making an investment, although the above is by no means an exhaustive list.

In managing risk successfully and choosing the right investments for you the most important element of investing to get right is to realise that the investments have to be personal to you.

The way to do that is to manage the two primary elements of risk. They are:

The risk of making investments that are inappropriate for your needs.
The risk of making investments that are inappropriate for your attitude towards risk.

Taking steps to avoid the first will ensure that you have a well structured portfolio. That is, having allocated some money towards a cash reserve, short term money and long term investments. This will mean you have some cash to fall back on in times of need, some money saved for short term expenditures and some surplus assets invested for the future. Having done this you can be safe in the knowledge that your ongoing financial needs are well catered for.

Taking steps to manage the second will enable you to put together a well balanced long term portfolio that is in keeping with your own personal attitudes. Having assessed what type of investor you are and whether you would prefer mainly lower risk or mainly higher risk assets you can then start to choose what individual investments would be suitable. At this point the list above that relates to the risks associated with individual investments comes into play.

A table of high risk and low risk investments can help you to clarify in your own mind where certain investments sit on a scale of risk.

Ultimately most people will be suited to a well balanced mix of low, medium, and high risk investments. However the extent to which you invest in these levels of risk will come down to personal taste, appetite for risk, and your own financial circumstances i.e. whether you can afford the risks.

Jaskarn Pawar, Director, Investor Profile Ltd

If you are a UK investor with an ISA, Personal Pension or Unit Trust investments then Investor Profile’s free online investment monitoring service could help make your life easier.

Back in the day the standard practice was to invest your money into funds such as unit trusts by completing an application form and sending it to the investment manager together with a cheque in the post. You had no idea when the application would be received by the manager and therefore when your money would be invested. The only confirmation of this happening would be when you receive your contract notes in the post some time after.

It was also standard practice, and still is for many, for the investment manager to charge up to 6% initial commission. So for every £10,000 you would actually have £9,400 invested. If you invested through a broker or financial adviser they would typically receive 3%, or £300, out of that £10,000 investment before the money is even invested.

Nowadays the story can be quite different. I say can be because it is not necessarily so. Most investments you make will still follow the same process as above.

However it does not have to be that way. These days you have discount brokers such as Investor Profile that provide a fully automated system that allows you to invest online, safely and securely, quickly and easily. There is the minimal of effort involved in making your application.

You have what is called a fund supermarket to go shopping in. That means rather than only being able to choose from the fund range of a particular investment manager, on a system such as that provided by Investor Profile you can choose from funds provided by all sorts of different fund managers, all in one place, then continue to view your various holdings in one place. A fund supermarket such as this can hold as many as 1500 funds for you to choose from.

You would think that for this added ease of use and flexibility of choice that the broker/financial adviser is finally earning their money. But in fact the new breed of online investment providers actually discount the initial commission you pay.

Investor Profile does not believe you should pay such high initial commissions so promise to not take any initial commission at all. That’s 0% commission to Investor Profile every time you invest. That’s because we believe you should have more money invested at the beginning because this is proven to help you earn more in the future.

So when considering how, when or with whom to invest the benefits of investing online are compelling and indeed changing the industry. For years the investment managers have been creaming off money every time people invested in their funds. Now the good guys are coming to town and they’re here to help you do the right thing so that you can benefit for years to come.

Jaskarn Pawar, Director, Investor Profile Ltd

If you are a UK investor with ISA, Personal Pension or Unit Trust investments then Investor Profile’s free online investment monitoring service could be what you need.

One individual had $11,000,000 invested with Bernard Madoff. This represented 95% of this persons’ net worth. Don’t let the same happen to you.

However attractive an investment appears you should never invest a substantial portion of your funds in it. There are countless examples of investors who thought they were on to a good thing, put all their money in to it only to find some time later the whole thing collapse.

Understanding Uncertainty

I’m pretty sure that if you look back at business reports prior to the economic crisis you would be hard pushed to find any commentator who was warning about the potential problems that would eventually surface and cause so much mayhem worldwide.

In hindsight of course there are now legions of advisers who claimed that they could see what would happen. Personally, I’m not convinced.

Human psychology is a strange and wonderful thing and many of us want to believe what we are told. We become part of the herd mentality and stop thinking for ourselves. This creates problems when knowing where to invest.

Even the best performing investments have indifferent performance now and again and we should accept that the uncertainty surrounding the global economy will always create both positive and negative situations. Unfortunately not many individuals have the knowledge or expertise to assess uncertainty and deal with it successfully.

Spreading the Risk

The answer therefore is to accept that uncertainty exists, that it will throw a spanner in your plans and that it needs to be planned for.

In other words your investment strategy must include the ability to spread the risk of your investment portfolio. So, it is wise to create a strategy that includes the following investment groups:

Cash – Sufficient to provide your living expenses for up to six months
Savings account – Rainy day fund for emergencies
Stocks – Dividend bearing growth stocks
Fixed Income bonds – gives confidence of future returns
Commodities – Gold, Silver and the like
Online Investments – Greater risk for greater reward

It wouldn’t be appropriate to put figures against the categories above as each individual has their own preferences but each should be considered.

Further Detail

Of course within each category there is also the ability to diversify and this should be considered. If we look at the Online Investment category you might split further by:

Passive Investment
Forex
Sports Arbitrage
Network Marketing

This list is just a sample of the type of investments you could invest in and should give a good spread of risk for your funds.

As you start out pick at least two opportunities and when they show positive progress invest some of your returns in a new programme. Then all you have to do is repeat.

No matter how convincing someone sounds about a specific investment don’t be tempted to invest a large proportion of your funds.

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

From John Murphy and Online Investing Guru