money talks

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Compounding Money, The Risks and the Benefits

Published April 20, 2009 by starvillanueva


You’ve probably heard people talking about how important it is to compound money. But what exactly does that mean? For new investors, the world of financial jargon can seem a little tricky. However, once you get a few basic terms and phrases down you’re realize it’s not as difficult and confusing as you first though.

Compounding money is a simple concept. Say you start with $1,000 to invest. Over the course of the year you see a 10% investment on your return. That translates to $100 for a total return of $1,100. If you’re taking advantage of the benefits of compounding money you’d then reinvest the entire $1,100. In the next year if you made another 10%, this time you’d make a total of $110, bringing your total to $1,210. The idea is that the more you can invest the more you get in return.

If you invest in options that take a year to return then the benefits of compounding money won’t be fully realized. The key is to focus on fast cycle investments. The faster your investment is paying off, the quicker you can reinvest your profits and the sooner you’ll see big money in your bank account. The quickest investments are typically opportunities to buy merchandise at a low price and re-sell it at a much higher price. Be sure you’re purchasing items that are in high demand and can be sold quickly.

If you’re looking to compound money, all you have to do is reinvest your investment returns as soon as you get them. Your money will grow exponentially and before you know it your investment goals will have been realized.

       * Article Source: http://EzineArticles.com/?expert=Richard_Blaine

 

 

Real Estate Investing for Newbies

Published April 20, 2009 by starvillanueva

 
Lesson One: Avoid the hype

Thinking about investing in real estate? If you’ve got the cash or exceptionally good credit now is the right time. Even for beginners. But aside from money there is one other very critical factor to real estate investing. That is education. The more you learn, the less chance you’ll be swindled. The less chance you’ll avoid other mistakes that could cause a huge financial loss.

The internet can be overwhelming for real estate beginners. So my suggestion is that you start out by going to your local library. Go to the reference section and tell the librarian you’re looking for the most current resources for learning how to invest in real estate. The librarian will likely access the library’s online database and point you to a list of magazines, newspapers, and of course books. But be on the look out for DVDs, audio books, and pod casts. Also ask if the library hosts any real estate buying classes, many do.

Another option is attending real estate investment seminars. I’ve gotten offers to attend these in the mail. My advice: choose carefully. Stay away from those that charge. Also go with a firm plan not to buy anything. This way you’ll be able to avoid sales pitches without feeling uncomfortable. By all means be prepared to take notes. If you bring a tape recorder you’ll be able to capture everything from the speaker, as well as questions from the audience.

Know someone in real estate? Invite them to discuss investing tools and tips with you over coffee. Make sure they know that at this time you’re only interested in gathering information, that way you get solid information instead of a sales pitch.

Where to Invest Money

Published March 31, 2009 by starvillanueva

   

Choosing where to invest money is not an easy task for any investor. There are, however, a few basic principles that can be applied to ensure the maximum Return On Investment, or ROI. Using these principles as a guide will help build a pathway to financial independence.

Diversification is an indispensable risk-management practice. By investing in a variety of different financial products, one investment falling through will not ruin an entire portfolio. The old adage says not to put all of one’s eggs in a single basket. Without adequate diversification, a portfolio is at greater risk. An example a diverse portfolio is one that is invested in stocks, mutual funds, bonds and commodities.

Liquidity is another key strategy. Choose investments that can be liquidated with a minimum hassle. A savvy investor doesn’t want to turn down an ideal opportunity because all of their assets are tied up in other, not as lucrative, ventures. Furthermore, liquidity allows an investor quickly to sell off any investments that are in decline and negate any negative impact on a whole portfolio.

Lastly, consider the Speed Of Return, or SOR, on an investment. One way to build success in the marketplace is to choose investments that pay dividends quickly, then re-invest capital, profit, or both. The sooner a return on an investment is made, the sooner that money can be turned around into a larger investment that has the potential to yield an even larger result.

Follow these principles and you’ll be a savvy investor who knows exactly where to invest money effectively.

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* Article Source: http://EzineArticles.com/?expert=Richard_Blaine

My 1st Real Estate Investment

Published September 16, 2008 by starvillanueva


Last February 2007 I handed 12 post dated cheques to my mom because she’ll give it to the Real Estate Agent for my first property investment. I had mixed feelings doing that because during that time I haven’t seen the location yet. The property is located in Amadeo, Metro Tagaytay (5-10mins) from Taal Vista Hote and Casino Filipinol. This was a pre-sell. This means the property is still under development and should be finished anytime soon. I decided to go after it because the terms were pretty good and because my mom also bought lot there for my younger brother & little sis.


It supposed to be 2 years to pay. Fortunately, I was able to lump sum the amount needed to complete it in less than a year. I felt like I need to finish paying it before I bought Condo sooner or later. (Still looking around) Anyway, if the area in La Excelsa Country Homes develops further and it becomes a prime spot, I might rent it out later. Alternatively, I could sell it later to get some potential income.

 * See my 2nd Real Estate Investment: A Condo Unit in Mckinley Hill – The Fort