August 27, 2008

Invest your child’s £250 voucher now!

Quite a number of people don’t know that newborn children are given a free voucher from the government to place in a Child Trust Fund. The child’s voucher can be invested in any one of threekinds of CTF account, Stakeholder - a shares-based account that changes into cash, a savings account or a shares account.

Scottish Friendly is an accredited provider of the Child Trust Fund. The Government is eager for people to have access to Stakeholder accounts and this is the form of account that we supply. This means that:

• Investments are paid into our Managed Growth Fund, which

intends to provide good growth potential.

• It invests in part in shares to make the most of potentially higher returns over 18 years,compared to a cash deposit account (although the value of shares can decrease as well as rise whereas capital would be protected in a deposit account).

• It comes with a low ‘Stakeholder’ funds charge of just 1.5At age 18 per year

• young person the get will completely a lump sum, current law free of Capital Gains and Income Tax under It’s.

• additional affordable - put payments can be as little as in the account from can £10

Anyone - parents, grandparents, aunts and uncles, friends - give a maximum to the Child Trust Fund to augment of £1,200 per year to help is not allowed to

the child’s Fund (once added, this money All this means be withdrawn).provides our Stakeholder account potentially a good balance between lower high returns and a There is level of risk. additional also the complies assurance that our account However with the Government’s stakeholder criteria. doesn’t this assured mean that returns are appropriate or that Stakeholder accounts are Remember for everyone. decrease that the value of shares in the Managed Growth Fund (where your Child Trust Fund money is invested) can rise as well as whose birthday is and is not guaranteed.

Only children authorised on or after 1st September 2002 are open a to older kids Child Trust Fund. If you have allowed who are not look at you could saving aiming for them with a Child Bond - it’s a tax-free savings plan for long-term growth.

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May 7, 2008

Five More Unusual Ways To Make Money

There are a lot of ways to make money if you have money. You don’t have to turn to complicated businesses or ordinary ways like bank C.D.’s. And you don’t even have to use your money. If you have credit cards, for example, you can get cash advances, and make money with the cash. These are ways that aren’t quite a business because you can do them once or only when you feel like it.

Invest In Other’s Expertise

My friend John had to show me several car magazines before I understood why an old fiberglass car was a good deal at $2,300, because I know nothing about cars. When he eventually convinced me to put up the money, it needed a new transmission for $900. Fortunately, he sold the corvette for $4,300, netting us about $1,000. I took half the profit ($500) for putting up the money for the two weeks.

I used to do this quite a bit years ago, and only once lost $50 or so on a car. I knew nothing about cars, so I did it with friends that know cars but don’t have cash. By the way, if I had paid 18% interest and a $50 cash advance fee to raise the money with a credit card, my profit would still have been over $400, and John did all the work. I love playing with money. Do you have any friends who know everything about boats?

Buy And Sell Mobile Homes

Pay cash and you get better prices on almost anything, including mobile homes. Sell with easy terms, and you get the highest price, because you are making it possible for someone to buy a home. More than one investor out there is buying and selling mobile homes.

I read one investors story about a recent deal he did. He bought a mobile for $4,000. The seller was asking $6,500, but was tired of waiting and paying the lot rent. The investor cleaned it up and sold it for $10,000, with $1000 down, payments of $250, and 10% interest on the balance. Did the buyer overpay? Hard to say, since his alternative may have been renting and having nothing to show for it in a few years, instead of having a home with some residual value.

Be A Loan Shark

People occasionally need money for a short while. A friend of mine for example, got a good paying construction job because I loaned him $300 to get drywall stilts. I used to do this often many years ago, and I never charged less than a $5/week as a loan fee (don’t call it interest). I made one or two thousand dollars extra some years doing this. If you have any qualms about it, check the laws in your area and put it all in writing. Also, if you want total security, take collateral.

Buy And Sell Estates

We recently met a couple who buy out estates, sell some of the things at flea markets, then run the rest through auctions. They’ve made a living doing this for years. They load up a trailer after negotiating to buy a whole house full of stuff. Then, if they don’t want to do the flea market thing, they just auction everything on Sunday afternoon for a nice profit.
If you are a good judge of value and have a regular auction nearby, you could do the same with rummage sales. Just offer $100 for everything and then auction it off piece-by-piece. The auction near us lets anyone sell their stuff, with no fee to enter. They just take a 25% commission.

Playing With The Casino’s Money

I worked at a casino for years and I saw a lot of people foolishly writing down the numbers that came up on the roulette wheel. Foolishly, I say, because their their theories were nonsense. Casinos will always welcome these players and even hand them the pen and paper.

One player, however, was actually scientific about it. By finding a bias in the wheel, after “charting” it for 5,000 spins, he made thousands betting on just one or two numbers. When a number comes up, it pays 35 to 1, but one of the numbers, because of manufacturing imperfections or whatever reason, was coming up 1 in 27 spins, instead of the average 1 in 38 spins.

So all he had to do was bet $10 a spin, and he profited $80 for every 27 spins of the wheel in the long run. That’s about $100 per hour. The ups and downs are dramatic though, so this is not for the faint-hearted. In this case, I saw him lose as much as $700 in a night. Also, not all wheels have biases (they eventually replaced that wheel). So have you ever tried “card counting” in blackjack…? There are endless ways to make money.

Steve Gillman has been studying money for thirty years (and sometimes making a little). For interesting and useful information, visit his website, Unusual Ways To Make Money: http://www.UnusualWaysToMakeMoney.com

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April 30, 2008

Passive Income Opportunities

There have never been more passive income opportunities than there are today. Thanks to the Internet, passive income no longer has to be a dream, but can easily become a reality.

Passive income can be basically defined as income that you don’t actually do anything to get. In the past, this most often meant owning rental properties or being a silent partner in a business.

Another way people did, and still do, create passive income was through direct sales. They would start selling a product such as Avon, Tupperware or Amway and recruit others to sell as well.

In exchange for bringing people into the business, they’re given a percentage of any sales those people make. This, then, enabled them to stop actively selling the product and still make significant amounts of money.

With the advent of the Internet, though, opportunities for passive income has broadened and become easier than ever to develop.

A person can now write articles or ebooks that can generate passive income for years. Someone can even sell the rights to their written products and only take a small to moderate commission on future sales of those products by others to create a wonderful ongoing passive income opportunity.

Many people have harnessed the power of the Internet in Web sites that they build and work at until it is possible to have it running automatically, with little or no maintenance.

This, however, takes a long time to happen, and a person doing this would be wise to still keep a close watch on their Web site businesses to ensure their customers are getting great service.

They will also want to pay attention to Internet marketing trends and be sure they make adjustments to keep their online business as up to date as possible to ensure the passive income opportunity remains reliable and even grows.

They may also want to expand their passive income opportunity by duplicating it with new and different Web site and online businesses.

Read more free investment tips, tutorials & reviews at http://www.Global-Investment-Institute.com

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April 2, 2008

Secret Stock Options Trading Strategies the Experts Don`t Want You to Know

To understand stock options, we need to look at Webster’s Dictionary’s definition of the word strategy.

Webster’s Dictionary defines the term strategy as

1. a) the science of planning and directing larger scale military operations, specifically (as distinguished from TACTICS) of maneuvering forces into the most advantageous position prior to actual engagement with the enemy

b) a plan or action based on this.

2. a) skill in managing or planning, especially by using stratagems

b) a stratagem or artful means to some end.

When applying a definition to investing in the market, we want to pay particular attention to the words maneuvering into the most advantageous position prior to actual engagement and the words skill in managing or planning especially by using stratagems.

Picking a stock or group of stocks is only half the battle. Making the most from the chosen investment opportunity is the other half. This is where your strategy comes in.

The wrong strategy even when applied to the right opportunity can produce increased risk, decreased profits and even potential loss. Therefore, understanding and applying the proper strategy is critical.

The actual selection of an investment opportunity from those offered normally depends on the type and style of research the stock options investor favors and deems necessary.

This selection process, or investment selection protocols, is a checklist of different types and pieces of data that are favored by the individual stock options investor. These pieces of data can consist of charts, indicators, oscillators, fundamental analysis, news or even tips.

Each stock options investor has his own investment selection protocol. As a stock options investor, once you complete this process and choose your investment opportunity, your strategy takes over. Inherent in the selection of the stock is expectation.

Every stock options investor has some expectation for any chosen opportunity. Therefore a strategy must be selected which best fits those expectations.

The proper strategy will be the strategy thay allows for the highest possible return with the least amount of risk and the best possible protection that can be afforded.

Obviously, since every opportunity will have a somewhat different expectation along with different variables surrounding it, each opportunity should have a different ideal strategy. By and large, when choosing a stock to invest in, most stock options investors look to purchase a stock they think will go up. The directional play is as good a place as any to start our discussion of option strategies.

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