This is something I have thought about a couple of times, but it did not seem all that practical until recently. I am curious as to how possible it would be for me to retire a couple of years early. Of course the big thing would be whether or not I would have enough money and switching to a private health insurance plan. So I am looking at 2014 medicare advantage plans and wondering how good an approximation that will be to the price it is going to be in about six to nine years. [Read more →]
November 22, 2014 Comments Off
My husband and I both have really great jobs, but we decided to wait to buy a house until we had paid off our student loan bills. We wanted the freedom to get exactly the house that we wanted, which we were able to find quite easily once we made the final payments on the student loans. The house we wanted was over half a million dollars, but we both knew that it was the house that we would live in for the rest of our lives. This was possible because of http://www.jumboloanmortgages.net, which is a website where we learned about jumbo loans.
We knew that the amount we were going to borrow was a lot more than what traditional loans cost. Even with our down payment, we were still going to have a loan in excess of 600,000 dollars. We definitely qualified for a jumbo loan because of our income and credit scores, but we wanted to still get the best rates possible. We had looked at quite a few different options, but it was through that website that we found what we were looking for. [Read more →]
August 27, 2014 Comments Off
I knew that I wanted to look into online trading, but I was not sure at first which direction I was going to go with it. There were just so many different options available to me, and I carefully looked at each of my options. I decided that pairs trading was a safe way for me to test the so called waters to see if I liked online trading. What appealed to me the most with this is that it does not matter which way the market is going with this kind of trading.
Most investors and traders only want to see prices going up, but I saw where falling stocks can be an advantage to traders too if they understand what they are doing. I have been following the stock market for many years, so I was not a complete newbie to how everything works. [Read more →]
July 28, 2014 Comments Off
There are a lot of individuals out there who are complaining about the high price of gasoline and other products that are derived from oil. And it is true that over the past few years we have seen a drastic rise in the prices of materials that are created by using oil. However in the same way that insurance agents did not complain when they made money by selling ppi claims to individuals who needed them, so to individuals who make their money from investing in oil do not seem to have a problem with the high prices that people are paying for gas.
Many individuals argue that there was a time when gas was extremely inexpensive, and during those times individuals who invested in the infrastructure that is currently supporting the oil drilling around the world is not make nearly as much money as they are making now. However they were willing to take a risk and make an investment in the future, and now their investment is paying off big time. Another argument that is being made for the rise in the price of gas is that like many other commodities, there is only a finite amount of oil available on the planet. As humans are using more and more of the available oil resources it is becoming harder and harder to find new deposits of oil. And as with any other commodity, the more scarce oil becomes the higher the value it has.
The truth of the matter is that the value, or the price of oil is dependent largely on how much people are willing to pay for it. Individuals who do not like the idea of paying high prices for gasoline can easily choose to purchase vehicles that are either run on electricity, or that are highbred. Another option would be to pick one of all of the oil companies that are available and only purchase products from them. That would basically force everyone else to lower their prices.
September 26, 2012 Comments Off
It should be obvious that it is no coincidence that some of the world’s most rich people are involved in the stock market. Investing money is a great way to make profit, especially if you do it the right way. Of course, in the old days this may have simply meant being smart and thinking trades through, but now it has a lot to do with tools and technology. The bottom line is that while overall the system has become way more complicated, tools like Instaforex make it easier to make a trade than ever.
Of course this has its benefits and its downsides at the same time, starting with the obvious fact that it makes it so almost anyone can get involved with stock trading. This means that you do not have to have a huge investment portfolio or spend tons of time on it, but can instead just jump in and try to play the game. [Read more →]
October 19, 2014 Comments Off
It can be pretty hard to live in a world and society that is largely based around the distribution of money. The news and media have been reporting more and more on the wealthy elite and their way of life, but most of us live in a far different reality. This reality contains many restrictions about what people can do or how they live, often based around the limitations of their finances. Of course in some cases it is possible to overcome these restrictions and make things happen, but financial constraints are often best handled by using a moneylender.
The idea is that while a person’s salary may make it possible to afford something after saving, it is sometimes necessary to get a little help to buy it sooner. This is especially common with large purchases like automobiles or homes, where the time it takes to pay it off can last for years. Rather than having to wait for years to buy a car, a loan upfront can make it possible to own right away. Of course this leaves the owner on the hook to continue making payments over time, but in many cases this is the much better option.
Ultimately it is a personal decision, as loans can be a little scary in some cases. It requires a lot of discipline to ensure that the payments can be made regularly and on time, otherwise things like repossession or other consequences will come into play. It is also important to carefully research and consider all of the terms before accepting a loan, since nobody wants to get caught off guard about the money they owe or how they have to pay it. Going into this situation with a smart outlook on setting up will be worth it in the long run, as loans are not something to take lightly.
October 3, 2014 Comments Off
Doing the math on this loan and trying to figure out if the risk is low enough and the reward is high enough. That is the name of the game after all. You go to any licensed money lender and sit down at the desk, they are looking at you in this sort of cold hard calculus and you have to be making the same machinations in your own head. In most cases if you get a good fair rate on a loan you are not going to be paying a high interest rate. That is based in the theory that you are not daft enough to do a business deal on one of those extraorbitant credit card type rates. I think once I was sitting at this guy’s house. He opened up one of those credit card offers and told me what the rate was on it. I immediately offered to lend him money for a good deal less interest rate. I mean these rates are not even moral they are so high above what the bank will charge any person with decent credit.
Of course you would love to lend money to people at over twenty percent interest. That is like stealing. If you lend some guy a thousand dollars and you plan on him paying you back twelve hundred bucks, that pretty much makes you the thing right below a loan shark. Of course a loan shark is going to have a guy who starts hurting the customer who is slow paying back that interest. They call it the vig or vigorish I believe. At any rate it is not in this equation. I am thinking that I can borrow money for a fraction of that and get a return twice as high as the rate I pay.
October 3, 2014 Comments Off
I want to find out information about a good gold IRA custodians for rollover of a previous retirement account, because I think that gold is more stable and that I will be more likely to actually have a good amount of money saved up to pay for my retirement. One of my biggest concerns is that I have enough money to make it through my retirement, without being broke, or anything like that. It would be rather depressing to have to live out my retirement in poverty, and that is what I want to avoid more than anything else.
I know that I will have a good decade more of work ahead of me, before it is time for me to retire. I might have even longer than that, but I am going to estimate it low, in the interests of making sure that I am making a conservative estimate. I feel like that is the best way to go about that. I am not sure how much I will need to make it through my retirement, of course, because I have no real way of knowing exactly how long I am going to live.
I guess that nobody really knows how long their retirement is going to be, and the best thing that they are able to do, is to just guess. So that is what I am going to have to do, even though I wish I had a more definite answer to the question. I suppose that i will try to think of some factors to consider if I do end up living a very long time. I really like the idea of investing in gold though, because I have never seen it drop in price, as long as I have been alive. I am sure of that.
September 11, 2014 Comments Off
I have decided that I am going to try to get into a new type of trading in the near future. It seems like it could be lucrative, but i must admit that I do not a whole about it yet. I am hoping to learn more, and to also find a broker that will trade this new type of stock with me. Well, it isn’t a stock exactly, that is not the correct way of describing it. Rather, I am looking for binary options brokers and I hope that I can find one that will not charge me a whole lot for transactions.
I have no idea how much the typical fees are for this type of transaction though. [Read more →]
July 10, 2014 Comments Off
I have had a series of disasters beset me in the last couple of days, and now I am in a situation where I need to spend a couple of hundred dollars that I do not actually have at the moment. It is kind of a terrible situation, but it is a situation that I need to figure out how to get myself out of. I would like to look for short term payday loans because I do not see another way for me to get out of this situation, other than to take out of some sort of loan against my next paycheck.
It is something that I would rather not do, but as I have already said, I do not see myself as having much of a choice. [Read more →]
June 15, 2014 Comments Off
I just got back from Calgary this morning. Of course it seems odd to have gone from the cool weather of the Canadian Great Plains to the blazing heat of West Texas. I had not forgotten how hot it was down this way, but I had forgotten how to deal with it the right way I suppose. At any rate I have been in the middle of nowhere, making great money and not spending it much. So I have managed to get my retirement plan a lot closer to fruition. This site, http://www.goldiraassociation.com is something I am looking at right now, because I figure that I am getting close to the point where my investments are going to be enough for me to live on once I get my place down on the Gulf of Mexico.
June 13, 2014 Comments Off
There are all kinds of home loans out there so your family can get a place to live that you all can call your own. I have heard of loans for soldiers and other types of loans. However, most people think of a loan for buying a home and having to come up with a big down payment. Well, that is not the case if you are hoping to buy a property in a rural area, and if you decide to get one of the usda home loans.
The United States Department of Agriculture does not just do farm subsidies and monitoring of the huge agro business infrastructure. No, they are also in the business of providing home loans for families who have decided they desire to move into a rural area. The big incentive is that the USDA home loans will finance 100 percent of the sale.
March 12, 2014 Comments Off
I own a small business, and I used to be really optimistic about customers, and think that if a customer had an outstanding bill with the company, that I should just give them some time, and they would be sure to pay it off. That was my perspective for a couple of years. However, it turns out that it is a faulty perspective, as I now have a lot of uncollected debts. I found a site – http://www.bndcollect.com – for a collection agency, and I hope that they will be able to provide collection services for my company, at a reasonable price, due to the fact that I do not want to have to spend a lot of money, in order to collect these debts.
I am still kid of shocked at how many people do not pay their debts.
March 8, 2014 Comments Off
Do you know if you are in need of a high risk account? Well, there can be many reasons why you and your business could be considered high risk. If you are a high risk, regular merchant account providers will deny you and not take you on as a client. While this may seem scary, there are solutions available to you, so there is no need to worry. Continue reading this article to find out why you may be considered high risk, and what you should look for in a high risk merchant account provider.
First, we will look at why you and your business may be considered high risk.
January 31, 2014 Comments Off
I am the founder of a non-profit company and we need to get an audit in the near future, in order to make sure that all our information for taxes is correct. We have lost some of our records during a flood in the past year, and that is one of the reasons why we need to get an audit. I just want to make sure that everything is correct, and that we don’t run into any trouble. I am looking for not for profit audits for sunshine coast area and I hope to find a company to hire for such accounting services pretty soon.
I will need to find a company that has a good reputation, of course, because this needs to be done by professionals of the highest quality.
January 13, 2014 Comments Off
Everyone dreams of hitting it big and becoming rich, and while the suits down on Wall Street may try to make it look easy, it is not just a matter of dumb luck. Whether you are looking to get started with investments or just trying to get better results than you have been seeing, some key tips about investing for dummies can be absolutely game changing. The key to a successful investment is being able to minimize risk, while keeping profit very high at the same time. So how do you find the perfect investment to make? There are a lot of options and it is up to the investor to choose the best plan of action for their needs.
The easiest way is to find a good mutual fund, which will pool together multiple securities such as equity or bonds, along with others, to boost the chances of profit while spreading the risk over multiple options. Another option is the Exchange Traded Fund, which boosts control by allowing trading throughout the day and enables brokers to sell it in the same manner of a stock. Both of these options simplify the process of investing and help to make sure that even beginners have a little safety while still seeking high profits.
Of course, everyone should know by now, it is also possible to buy stocks directly. This option requires the most specific knowledge, and while it has potential risks if the knowledge or tips do not pan out, it also has amazing profits if done right. Finding a stock that is worthy of investment comes from a combination of company history and financial performance metrics. Everything from sales numbers to the tendencies of company executives can play a huge role, and will play directly into decisions you make about which stock investments align with your goals.
January 9, 2014 Comments Off