Blog Blog Copyright by en Thu, 27 Jan 2022 02:43:41 -0500 Top 5 Tips to Wisely Invest and Thrive in Real Estate Industry If you have ever dealt with landlords before, you probably don’t have the dream of becoming one. Fielding calls about overflowing toilets and oversize bugs don’t look like a glamorous job.

But if done well, investing in real estate is lucrative, if not flashy. It might help diversify the existing investment portfolio and serve as an additional income stream. Plus, most of the best investments don’t need to show up at the tenant’s back and call.

However, the only issue is that most beginners and inexperienced investors don’t know how to invest in real estate properties wisely. If you are also in the latter group, the following are some of the tips, which can help you invest wisely:

1.     Consider 1031 Exchange

Many real estate investors ask if they can do a 1031 DST exchange into another property, like REIT.

The simple answer is – yes. While a complex process is involved between REIT and your property, this option offers great benefits, including capital gain taxes.

2.     Understand the Risk and Basics

It is worth mentioning that before you start any investment venture, especially one like buying an investment property, you must be clued on the basics.

You need to know how accurately what you are about to get into in terms of the risks. Like any venture, properties come with some risks. So it is vital to get prepared for this.

3.     Make the Timing Perfect and Choose Your Market

For successful investments in real estate, it is vital to know more about the local market than what is happening countrywide.

Your purchases and their success will be dictated mostly by some factors at work in the specific real estate market. To be a successful real estate investor, you need to avoid hot markets.

Some investors here can brag about the rising rates or appreciation of properties, but you risk making an investment in the top market and losing cash.

4.     Work with a Qualified Realtor

Unless you have a real estate license, it would be in your best interest to work with a realtor who has enough experience with purchasing houses.

They may help every fix-and-flip investor time their sale and purchase, find perfect buyers, and put properties on the listing.

They can as well help buy-and-hold investors choose the right properties to invest in, look for renters, and guide them when it comes to landlord-tenant laws.

5.     Set Investment Goals

Every successful investor understands the significance of setting investment goals and how they can help achieve their target.

But how many beginners follow their investment goals to the last?

The greatest issue here for many investors is that, although setting goals is vital, only a few make those objectives practical to be attained in the future.

Long-term goals are important, but it can help if you consider breaking them into several short-term steps, which can eventually enable you to hit a long-term target.

The Bottom Line!

There are several ways to invest in real estate, including buying single-family rental homes, purchasing REIT shares, and putting cash into crowdfunds.

As with other investments, it is vital to analyze potential rewards and risks before you invest in any kind of real estate.

Uncategorized Editor Fri, 21 Jan 2022 23:59:52 -0500
How to correctly value your business for sale You're prepared to sell your company or you want to start a business after you've sold your previous company and utilize the earnings to fund your retirement or future endeavors. There are several methods for determining the market worth of your company. You may wish to know the worth of your company for a variety of reasons. . A valuation is a representation of your company's entire worth. You'll use a method to determine the worth of your company, taking into consideration its assets, profits, industry, and any debts or losses. As an entrepreneur, you've most likely invested a substantial amount of time, money, and sweat equity into starting and expanding your company. ROI is a proportion of your initial investment that measures how much value or additional money you have made – your return or net profit after paying all of your company expenditures (taxes, rent, wages, etc.). The fundamental ROI formula is as follows:

ROI (%) = (Return/Original Investment) x 100%

  • Add up the worth of your assets. Add up the worth of all the company's assets, including all equipment and inventory. Eliminate any obligations or debts. The value of a company's financial sheet is at least a beginning point for estimating its worth. Nonetheless, the company is likely to be valued far more than its net assets. How many sales and profits can you anticipate?
  • It should be based on revenue. How much money does the company make each year? Calculate this and, using a stockbroker or a business broker, establish how much a typical firm in your sector may be valued for a specific amount of sales. For instance, it may be around two times sales.
  • Make use of earnings multiples. A more meaningful metric is most likely a multiple of the company's earnings, sometimes known as the price-to-earnings (P/E) ratio. Estimate the company's earnings for the following several years.
  • Perform a discounted cash flow analysis. The discounted cash-flow analysis is a sophisticated method that takes the current year's cash flow and projects it into the future, then discounts the value of the future cash flow to today using a "net present value" computation. An online NPV calculator is simple to discover and use.
  • Extend your search beyond financial formulas. Don't only rely on numbers to determine the worth of a company. Consider the worth of your company depending on its location. In addition, if there are business synergies, examine its potential strategic worth to a potential buyer.


Consequently, what may be termed a positive ROI must be evaluated against risk. In general, when an individual takes on significant risk by purchasing a firm, the prospective ROI should be larger to compensate for the comparatively high amount of risk assumed by the new owner. Purchasing higher-risk assets that might yield you more money may also lose value over time due to volatility. A new buyer of your company must be OK with the trade-off between your existing ROI and the threat of ownership. So next time before measuring the correct value of the business for sale, make sure you've read the aforesaid points.

Uncategorized Editor Mon, 25 Oct 2021 03:23:54 -0400
Do you want help from another trader? Learning is good but total dependence on a mentor is very dangerous. It creates chaos and ruins carriers. If you are dependent on somebody, it will not benefit you. You will fail in trading because trading styles differ from trader to trader. Moreover, one trader's interest may be disturbing to another. It is common to have dissimilarity among traders. Without this quality, there would not be a 90% success rate in Forex. So, only traders with accurate knowledge find success in this profession. And traders who are consistent with their rules and strategies archive goals beyond expectation. But those who try to find a shortcut to success experience a devastating career. If you look for trading plans from others, your experience would be similar. You will lose every bit of your capital in trading.

You can avoid unfortunate circumstances with proper awareness. But first, you must develop a strong trading plan. It requires appropriate trading knowledge, clear concepts of trading strategy, and knowledge of market analysis. Without the necessary items, your trading career finishes before starting. So, bear with us and learn proper trading techniques. Most importantly, forget about other traders and their plans.

Trading plans are inevitable

A particular trading plan is not suitable for any trader for his whole career. At some point, he must change or improve to deal with the market movement. Stay consistent yet adaptive to the price changes. Moreover, precautions must change along with the price movement. Thus, you will have better control over the stop-loss. This technique must be applied to take profit as well. Due to the high volatility of Forex markets, a winning trade can face unpredictable swings at any time. And it can be devastating for that trade. If you set a take-profit, it will save your profits. Otherwise, you will lose capital even from a good signal.

Simple tools like stop-loss and take-profit are very hard to master as they require time. Looking at another trader's plans will not teach you to implement them. You cannot secure the positions like that. Instead, take time in the demo trading to master every step. Then join the actual markets and start making profits. So, if you consider yourself prepared to deal with the real market, click here to contact with the high end brokers Saxo. They will allow you to set up a perfect trading environment.

Do not borrow risk management plans

It is forbidden in the trading world to borrow other trader's plans. Still, many novices try to find shortcuts with their business borrowing techniques from others. It only causes chaos to a trader because he does not understand how to implement the plans. Without knowing the steps of trading, you will be helpless in this industry. Risk management is one of the crucial steps of trading. You can never imagine a successive career in Forex without risk management.

So, a trader must learn to manage risks for his trades. If he opts for someone else's plan instead, losses will be huge. Two traders might follow the same trading strategy. They can aim for the same profit margins too. Their signals can be the same but, outcomes from the trades will be different. Do not be a trader who borrows other's risk management plans. Instead, make your own to be consistent with your business.

Learn about the techniques only

Borrowing trading plans is uncertain for every trader. When a trader uses new techniques for his trades, he knows very little about the system. A novice trader increases the vulnerability even more. It causes uncertain outcomes as you barely use any precautions. Moreover, your executions are half-baked with premade trading plans.

You can learn how to use a particular tool for the trades. Otherwise, it is appropriate to develop your trading technique from scratch. Then, your plan will contain the necessary fundamentals to secure a position. Same time, you will be managing risks properly with simple lots. Trades will get stop-losses and take-profits. You will have control of everything. With a strong trading plan like that, you can ensure a profitable trading career. Moreover, your capital will be safe with big profits.

Uncategorized Editor Mon, 13 Sep 2021 06:47:51 -0400
4 Investments You Didn’t Think of But Could Work Today Many people opt for trading as the best option to increase their financial worth, while others prefer to invest. With investments (financial vehicles), you are liable to benefit from economical situations like inflation, an increase in the value of assets, distributions, and so on. You might be sleeping (not working), but your money will be working and making more money for you. If you’re unsure of what to invest in, then this article is for you. We’ll be revealing four investments that you probably didn’t think would work today. But before then, let’s re-freshen our memory on financial vehicles.

What are financial vehicles?

A financial/market/investment vehicle is any type of investment that allows you to put money into assets and other financial entities. In other words, investment vehicles are more like assets offered by large investment companies or industries directed at helping investors in moving their money from the present day to the future. This is all aimed at the potential increase in the value of the investor’s money. 

When the word “investment” is mentioned, the common things that come to most people’s minds are buying a company’s stocks, bonds, funds, and so on. While all of these popular financial vehicles are great means of investment, there are others that you might not have even considered up till today.


This market first came up in 2009 when bitcoin was launched. However, it wasn’t till last few years that the market became a viable one. The cryptocurrency market is a very good place to invest one’s money. The major advantage here or basically what should be taken advantage of is the increase in the monetary value of some/most of these crypto coins. All that you need to do is to research a coin with a good history, that has achieved some sort of stability, i.e. people won’t just wake up one day and dump the coin. Some of the investments you can make in the cryptocurrency market include:

  1. Investing in cryptocurrencies

Investing in cryptocurrencies means purchasing a coin or different kinds of coins and holding it until the value increases. You can then sell off or even keep for a longer duration for anticipated future increase in value. Holding coin(s) can be long term or short term depending on your investment plans.

  1. Lending crypto assets

This is also a good form of investment as you will not only be gaining from interest but also gain when the value of the coin being loaned/borrowed increases. This is because the amount of cryptocurrency coin loaned is bound to be re-payed.

  1. One last way to invest in crypto is through funding cryptocurrency-linked investments. With this, you are sure to expect yearly returns which will be in the form of a crypto coin (which can also increase in value with time).

Real Estate

Investing in real estate involves purchasing, owning, managing, renting, and/or selling real estate to make a profit. Real estate refers to land and all the buildings on it including resources both natural or man-made, movable or immovable. Owning real estate is like owning a piece of land and having all other assets on the land as properties.

Investing in real estate starts by purchasing the estate after which you can do anything you want. Assets on real estate like land (together with all of its resources) and houses will generally appreciate with time. This means that, as all of these things increase in value, so does your money increase too. 

But not everyone will have enough money to purchase real estate, right? Therefore, a need for real estate financing vehicles. You can invest any amount of your choice in them with an assurance that you’ll get your money increased. The type of vehicle you invest in fully depends on the kind of real estate investment you want to make.

Fine Art

Artworks today are very expensive and sales have increased continuously over the last few years. Some years earlier, artworks/fine arts are known to be an investment for extremely wealthy people. But with art financial vehicles (companies that invest and keep artworks for anticipated future rise in their value), you can now invest in art with the little you have. 

The only issue with this kind of investment is that it might take up to years before artworks can be sold. So, if you are not really into a long-term investment, then this might not be suitable for you.

Retirement Accounts

This can be regarded as one of the best investments you can ever make, it is more or less like having an already set retirement plan for yourself backed up with the money. Investing in a retirement financial vehicle guarantees your after-job good life. It ensures that you are left with something to hold on to regardless of how good or how bad your work-life experience is/ends. There are many retirement vehicles available, and it is advisable to contribute to as many of them as you can for your retirement money to accumulate into something significant.

While investing in any of the above, remember to also invest in yourself, as this is very important. Financial vehicles go in and out of style as time goes on, the only thing that will not change is the knowledge and skills you have acquired or invested in yourself over the years. You can achieve this through getting a degree in a higher institution of learning, self-learning/education, orientations, seminars, and so on.

The Canadian Stock Market

This point is an extra tip for people interested in the stock market. The Canadian stock market is an investment stock exchange market-based in Canada. If you are an investor, you should endeavor to invest in this Canadian market as Canada has a huge economy including a stable monetary policy and offers many Canadian stocks with high dividend yield. Asides from this, the P/E ratio of the Canadian stock market is 38.12 which is very high and much better, compared to the normal average P/E ratio of 13 to 15.

Final thoughts 

While there are many financial vehicles to invest in (some offering long-term investments, others short-term), it is not advisable to invest your whole money in them all at once. Although these vehicles offer exciting investment opportunities and rewards, each one comes with its risks. This doesn’t mean you shouldn’t consider investing your money (as that would be a very bad mistake). What these only mean is that you should consider and be fully aware of the risk(s) associated with any financial vehicle you want to invest in, and the best ways to manage those risks.

Uncategorized Editor Tue, 27 Jul 2021 23:40:16 -0400
How the Financial Services Industry Became Like a Slaughterhouse The following is adapted from FOOLISH.

I remember being on a road trip with my family when I was around 12 years old. We were all getting hungry, but we were in the middle of nowhere. Eventually, we came across this stand-alone taqueria, and my brother and I begged my mom to pull over. We walked in, and it felt like an oasis. It smelled amazing. 

I ran to the bathroom, and on my way out, I saw these cardboard boxes in the hallway that said, “Ground Beef. U.S. Canner.” I walked back out to the table, wondering what that meant. When my mom explained that canner beef is the cheap stuff, one notch above dog food, I wondered what had happened to my appetite. You’ll never see a restaurant promote the fact that they use canned meat. That’s because some things in life simply shouldn’t be for sale.

In the brokerage business, one thing that should never be for sale is the relationship between the broker and the client. But that is precisely what gets sliced up and monetized by the brokerage firms, even while they use the term “advisor” when referring to their brokers. Considering that trust is the ultimate measure of success in a relationship, it’s amazing what the brokerage firms are willing to sell that compromises that trust.

Too often, brokerage firms imply they’ll be your trusted advocates, when in reality, that couldn’t be further from the truth. But forewarned is forearmed, as the saying goes. I want you to be able to protect yourself from unscrupulous brokers who monetize your sacred trust; to that end, let’s take a look at exactly how the financial services industry became a slaughterhouse, and what you can do to protect yourself.

Who Protects the Investors?

If brokerage firms can’t always be trusted to do right by their clients, who looks out for the clients? Well, the Securities and Exchange Commission (SEC). The SEC is responsible for protecting investors. 

Its job is not to ensure profitability but to make sure investors are not getting ripped off or defrauded. When individual investors are in harm’s way, the SEC is trusted to step in and make things right. And yet, ideas on how best to do that have changed over time, as the regulations reflect.

Prior to the Great Depression, the stock market experienced unprecedented gains, so much so that even the banks wanted in on the action. Banks used their customer deposits to invest in the market, more speculatively than wisely, and participated in investment banking operations (such as initial public offerings and mergers and acquisitions). 

The sudden downturn in the stock market was devastating for banks, which at that time couldn’t allow customer withdrawals. The downfall of the banks wiped out the savings of the population and led to years of suffering for the American people. In the aftermath, Congress enacted the Glass-Steagall Act, which mandated the separation of commercial banking (checking and savings accounts, consumer loans) from investment banking, requiring banks to follow strict safety protocols with their holdings. 

The following years established a fresh reputation for banking: banks were again highly regarded and highly regulated, and for many years largely unchanged. Banks existed to provide families and businesses an opportunity to earn a steady return in their savings accounts and to take out loans for their borrowing needs. 

A Rise in Investing

As the economic policy of the ’70s and ’80s saw wild fluctuation in inflation and interest rates, investing in the stock market became increasingly popular. A sense of competition between banks and brokerage firms arose, and as a result, banks were motivated to come up with new products and new ways of doing things.

What was the solution? Ultimately, banks, brokerage firms, and insurance companies (the three prongs of financial services) started buying each other or merging.

In 1998, Smith Barney, Travelers Insurance, and Citicorp announced a merger into Citigroup. At the time, this move violated the Glass-Steagall Act, since this would again allow the threat of banks becoming “too big to fail” (when banks become so large and interconnected that their failure would be too catastrophic to allow). 

Yet, Congress had conveniently softened up to the idea of allowing bigger financial firms to merge in mega-industry conglomerates and the time was ripe for repeal. The Glass-Steagall Act was replaced with the passage of the Gramm-Leach-Bliley Act, which helped lay the groundwork for the financial crisis of 2008. 

Welcome to the Slaughterhouse

For big banks with oodles of FDIC-insured and leveraged cash, the repeal of the Glass-Steagall Act meant all bets were off. They set up performance bonus pools, essentially setting the dogs loose to sniff out extra profits. They also tried to mass-produce their client relationships and maximize the value in-between those lines, and they sure weren’t wanting to let anything fall through the cracks. 

It sounds a bit like a slaughterhouse to me. At a slaughterhouse, there are systems designed to capture every little thing that could be usable after parts for human consumption are taken out. You name it, they use it. 

Skin trimmings, hair, bones, and hooves are made into products for animal feed. Fat is rendered into tallow, which is used as a lubricant in steel rolling, and is oftentimes an ingredient in makeup and soap. Blood is in fertilizer. Feathers? You might find them in dog food and farm feed, too. The slaughterhouse makes money on the scraps, and frankly, they have a natural responsibility to do so.

So What’s the Problem?

The thing is, the people running the slaughterhouse never said they represented the interests of the animal. Not so on Wall Street. On Wall Street, your broker uses terms like “wealth management,” or “advisor,” or “practically fiduciary,” which leads you to expect a certain amount of allegiance. 

Additionally, they have an incentive to maximize the embedded costs in the system, especially when they own all the layers of that system. Do you think they will refer you to a low-cost insurance policy when they own the one with higher costs and “better” commissions? Unless they’re registered as a “fiduciary,” they have no legal obligation to do so, and they won’t. 

Your relationship with your “advisor” shouldn’t be monetized the same way as Beefmaster cattle. Yet it is. 

What Can You Do?

So, is there a way to protect yourself? In short, yes. Make sure any financial advisor you work with accepts full fiduciary responsibility in your relationship. Ask them directly if they’re willing to do so. If they say no, you should probably keep looking. If they say yes, ask them to put it in writing on company letterhead. Again, if they balk, walk away.

When it comes to your hard-earned money, you deserve to work with someone who has chosen to be held to the highest standard and will advise you according to your best interest, not theirs.

For more advice on how to find a trustworthy financial advisor, you can find FOOLISH on Amazon.

Gil Baumgarten, one of the nation’s top financial advisors, is the Founder and President of Segment Wealth Management, an RIA financial advisory firm. Since its inception in 2010, Segment Wealth Management has grown to a top-ten firm in Houston, as recognized by the Houston Business Journal, with over a billion dollars in client assets under advisement. Gil is also a nine-time recipient of the Top 1,200 Financial Advisors distinction and has been ranked among the thirty-five best advisors in Texas by Barron’s. Distinctions aside, Gil’s affinity for precision and detail reveals itself in his daily life as well. He is an avid outdoorsman, award-winning woodworker, and attentive family man, friend, and colleague.

Uncategorized Editor Wed, 07 Jul 2021 23:13:44 -0400
2021 Rental Market Projections and Top Cities for Investors If you’ve been paying attention to the rental market this past year, you know it went through some significant changes in 2020 due to the COVID pandemic. The effects of these changes are still working themselves out, but many landlords and investors are asking the question: “What will the rest of 2021 bring for the rental market and where should I invest?”

Well the answer to that question does bring some good news. No matter what else happens to the rental or housing markets, there will always be a need for housing – and a lot of that demand will be for rental properties. However, the landscape of the rental market is always changing so let’s explore some rental market projections and top investment cities for the remainder of 2021:

  1. Renters Want Larger Homes
  2. Lower Demand in Urban Areas
  3. Low Supply
  4. Need for More Affordable Housing

1. Renters Want Larger Homes

Moving forward there will be higher demand for larger homes. During quarantine renters became used to spending more time indoors and have grown to appreciate more space. In addition to a larger indoor space, having a yard to enjoy outdoor activities has become important to renters too.

Because of the higher demand for these properties, prices for single family homes are increasing across the country and are projected to continue rising. Conversely, overall rental rates are flat or decreasing in multi-tenant buildings like apartments.

As an investor, buying a single-family home as a rental property could be a great investment choice in the right market. You’ll want to look at the median home price in the area in relation to the going rental rates to ensure that you’ll generate enough revenue to cover your expenses on the property. Below we’ll look at some cities where single-family homes are a good investment, but you can find an extensive list in this investors guide.   

2. Lower Demand in Urban Areas

The pandemic drastically changed the landscape of working environments for millions of Americans when they were forced to start working from home. Now that restrictions are lifting, many companies are keeping their work from home policies intact or adopting some sort of hybrid work schedule where employees don’t have to go to an office every day. This shift in working environment makes living in urban areas less desirable for some people since there is no need to be close to an office anymore.

Current trends show many renters are moving out of dense urban areas and relocating to quieter suburban areas. They can often get more value in those areas and potentially go from living in an apartment to a single-family home with more square footage and an outdoor space. This is why single-family homes are a great investment opportunity for rental property investors in 2021.

3. Low Supply

For several reasons, the pandemic affected the supply of rental properties and that trend is likely to continue through the rest of 2021. Many constriction projects faced major delays and are still trying to catch up. In addition to construction delays, many rental properties that could’ve been on the market for rent weren’t available due to the government enacting an eviction memorandum, keeping property owners from evicting tenants that were no longer paying rent.

Although these government policies are coming to an end and more properties will become available, there will still be a low supply of rental properties due to high home prices. Housing prices have never been higher than they are now and it’s pushing would-be buyers out of the housing market and into the rental market. With higher demand in the rental market, there is just simply not enough inventory to meet it. 

As a rental investor, this is good and bad news. On one hand, it should give you security knowing that there are plenty of potential tenants looking for a property like yours. On the other hand, it means that finding properties to add to your portfolio has become more difficult since there is low inventory and increased competition for these properties.

4. Need for More Affordable Housing

As mentioned above, with the government eviction memorandum coming to an end, there is going to be an immediate need for more affordable housing for individuals negatively impacted by the pandemic. With the suburbs becoming more desirable, affordable housing will be important in urban areas for the remainder of 2021 and beyond.

Factors to Consider for Investors

When it comes to identifying the best cities to invest in rental properties, there are several considerations. The factors below considered together will determine whether investing in a city is a smart move:

  • Population Growth – If the city’s population is growing, it points to being a desirable area that people are moving to which helps creates a healthy rental market.
  • Job Growth – Shows the local economy is thriving and will continue to draw more potential tenants to the area.
  • Low Unemployment – Shows that the local market isn’t oversaturated and has plenty of potential tenants who could afford to rent your property.
  • Rental Rates – Where are they in relation the national average? Can you charge enough in rent to cover the expenses on a property?
  • Median Home Price – Are they higher or lower than the national average? Are they trending up or down?
  • Percentage of Renters – What percentage of the population rents versus owns? The higher the percentage of renters, the healthier the rental market.

Top 5 Cities for Rental Investments

  1. Boise, Idaho
  2. Las Vegas, Nevada
  3. Spokane, Washington
  4. Austin, Texas
  5. Dallas, Texas

Final Thoughts

The predictions for the rental market in 2021 are a mixed bag for investors. The effects of the pandemic have made the market favorable in some ways but have also made things more difficult. On one hand, there are some great investment opportunities with single-family homes in the right markets. And on the other hand, rising demand coupled with low supply are making it hard for investors to find properties that will turn a profit.

If you account for the factors that make a market and rental property a viable investment, you’ll give yourself the best opportunity to succeed in this market. If you’re considering investing in the rental market or even expanding your rental portfolio, consider hiring a property management company. Local property managers are experts in your rental market and can work to get you top dollar for your rental while minimizing your workload. 

Uncategorized Editor Mon, 21 Jun 2021 09:23:55 -0400
10 Things You Should Know About Precious Metals IRAS Investing and securing one’s future must be put in a financial investment that has less risk for market swings and fluctuations. Historical pages are the living proof as to the value of precious metals. It has been part of the economic development through trading. These precious metals have a secured value, and it is continually increasing.

Silver may be categorized as one of the most affordable among the precious metals such as gold, palladium, platinum, etc. You will not go wrong if you let your investment roll out in the investment for silver. Including silver in your IRA account will give a tremendous results and benefits to your investment plan. Investors had opted to settle on silver assets in their IRA account.

Silver may be regarded as the only precious metal that had been used and circulated in the market trading since time immemorial. Such steady and useful use for its precious metal is assuring enough that your investment is on the right track.  It is the best way of securing your life for your retirement days.

Let us zoom in to the ten things that you must know about having silver in your IRA account.

  1. Understanding Silver IRA Rollover

When you are already on the stage of pondering what life would be during the time when you are already facing your twilight days, you would think about the best way to secure a retirement life. Investing in precious metals is an assurance that you will have a secured and better days ahead of you in your retirement.

Unlike with paper assets, precious metal like silver is tangible. You can physically hold it and may even engage in buying and selling this precious metal with your self-regulated IRA account. The best part is that you have the leeway to grow your retirement wealth without the burden of shouldering tax. Your investment for your retirement is secured, especially that it is aptly sheltered with tax exemptions.

  1. Understand the Various Uses for Silver

You cannot simply ignore the value of silver for the sole reason that it is the only precious metal that is in circulation for trading. Silver had been used for minting coins. Coinage through the use of silver had been passed on from different phases of generation.

Obviously, man has the innate desire to look good and show off one’s affluence, and silver had played its part to show-off one’s wealth and affluence, for it is being used for jewelry. Jewelry adorns and beautifies one’s body and adds up to the person’s personality.

It has a versatility of functions that it is also being used for industrial purposes for it can be used for cars, equipment, and tools. Such versatility in its function may be the driving force why investors are bucking up their portfolio with silver assets.

  1. Consider Diversifying Your Portfolio with Other Precious Metals

Despite the fact that silver is the best precious metal to bank on for retirement, you must also widen your horizon and make an impressive portfolio as an investor by having other precious metals in your IRA account.

Since the self-directed silver IRA gives freedom and leeway and does not the only limit silver investment, then you may delve your investment in other precious metals like gold, platinum, and palladium.

  1. Check the Federal IRA Restrictions

Investing in precious metals is entirely different when you are investing in our monetary investment. There are some restrictions and regulations that are being imposed. Before tipping your toe on this type of investment, you must make sure that you have already check some of the Federal IRA restrictions.

In trading and investing in precious metals, you must be acquainted that in silver, it should be 99.9% pure, gold is 99.5% pure, and the same with other precious metals such as platinum and palladium, which should be 99.95% pure.

  1. Determine how Much Silver to Buy

The option as to how much you may invest in precious metals such as silver is a personal decision. There are different factors that you must consider before you shell out your money for investment, such as your age, your risk tolerance, and expectations from the investment. You must also consider some economic scenarios such as recession which may greatly affect monetary value, but surely recession will never hit and affect the value of precious metals.

  1. Choose the Right Type of Investment for Your Precious Metals

The same with other business ventures or investments, you must first acquire certain knowledge as to the nature and kind of investment you are putting your money with, especially if that investment is allocated for the years wherein you are no longer earning.

Life is full of uncertainties, especially the money market, for it constantly has fluctuations. Investing in precious metals may be considered as a secured investment; however, you must first determine between ETF and having a physical bullion investment.

Logically the only difference between ETF and physical bullion investment is that in the latter, there is the physical trade of the precious metals, while in the ETF, there is no physical holding of the precious metals. What you will be investing in is incorporeal rights, for you will be putting your money on silver or gold stocks. The trading and operation are just but similar to the stock markets.

  1. Understand How the Purchase Process Works

The world of the money market is a system that has certain regulations and patterns that must strictly abide to if an individual wants to conduct business or transaction. Since IRA investment also involves money transactions, it also has certain regulations that must be followed. Although in IRA investment, you will be enjoying certain tax incentives and benefits, it also has a certain catch on it. An individual must abide by some of the rules imposed in having an IRA account, such as the following;

  • Buying the IRS- approved coins;
  • The investment must be held until maturity tax penalties;
  • Certain tax penalties, specifically those applicable for home storage options, must be considered.
  1. Partner with a knowledgeable custodian

Self-directed IRA effectively ensures that you can diversify your investment portfolio through proper investment in precious metals. This type of investment needs an expert that has the knowledge and expertise on how the trading is being conducted and how to protect your investment properly. Check out the following website to find the best Gold IRA company: In this sense, you need to have a custodian that has innate skills in handling the transactions involving precious metals in your IRA account.

The investment and transactions of the precious metals in the IRA account are considered a tax-exempt transactions. In this way, the possibility of making retirement investments through a self-directed IRA is enormous.

  1. Fund your account and buy metal

To start rolling the market transaction for the precious metals, you must be ready to start delving into making some purchases and eventually into investing in the precious metals. This may be a common trend in market transactions; however, there is a certain caveat in this kind of transaction.

You must be certain that you have the appropriate knowledge to assess and determine whether the precious metals are considered IRS-approved metals. The drawback is that if what you and your dealer is dealing with is not one of those IRS-approved metals, there is a chance and risk that your IRA account will be disqualified.

  1. Things to expect and look forward to after your investment

Investing to the IRA self-directed account is the initial stage of your IRA account. There are certain things that you must be aware of regarding your investment in precious metals. You must pay the yearly rate to your custodian for the annual storage and IRA fees. The custodian will be the one to ensure that those necessary fees are being settled and complied with.

Considering that the value of the precious metals is always appreciating it is a must that there will be a yearly valuation to determine the current value of the precious metals. Your custodian will be in the position to make the expert assessment and valuation of the current price of the metals. The custodian will be male the appropriate price tag for your precious metals.  However, the actual market value of these metals can only be determined when the actual sale is being conducted.

Uncategorized Editor Wed, 31 Mar 2021 23:58:44 -0400
Everything to Know About Home Loans in the UAE for Expats A home loan is one of the most common loans for individuals around the world. It presents the most effective way to enhance or diversify your property portfolio.

With a home loan, you are able to purchase a new dream property, transfer your mortgage from other financial institutions to decrease your monthly payments, refinance your current property, invest in new property, and invest or refinance plots. In other words, you can upgrade your current living situation, broaden your investment portfolio, and ensure that your monthly payments are as low as possible.

Whether you are looking to move to the UAE, invest in property here, or upgrade your current residence, read on for everything you need to know about home loans in the UAE for expats.

1. It is recommended to get pre-approval before property hunting.

As a prospective property buyer in the UAE, it is advisable to first get a mortgage pre-approval to establish your budget. When you sign a sales agreement, you are required to pay a down payment (could be as much as 20-30 percent of the purchase price). If you pay this prior to obtaining financial approval and are then denied a home loan, you will have no choice but to forfeit your deposit. Therefore, it is highly recommended that you obtain your pre-approval before you start seriously considering properties.

Additionally, you also want to ensure that your sales agreement includes a clause that states the transaction is dependent on a property valuation by the bank. By having this in the agreement, your deposit will be protected in case your mortgage is denied on the grounds that the property is overvalued. Alternatively, you can have this valuation conducted before signing the sales agreement.

In addition to the down payment, other initial costs to keep in mind include a property Registration Fee, Mortgage Registration Fee and Transfer fee (varies by Emirate). You may also  need to pay a real estate commission and a valuation fee. When you add up all these initial costs, they could cost you approximately five to seven percent of the overall property cost.

2. Each bank has its own lending policy.

As in most countries, banks in the UAE have a range of lending policies depending on their own borrowing capacity calculation formulas. That being said, all banks limit home loans so that repayments do not exceed more than 50 percent of your monthly income. Furthermore, to determine your borrowing capacity, these banks will also consider any existing debts you have, including credit card debt, student loans, and other personal loans.

As there is such a wide range of lending policies and rates, it is highly recommended that you shop around and do your research before deciding on the most suitable option for you. Keep in mind that these different policies and rates can result in significant differences in your pre-approved mortgage limit.

3. The maximum duration for loans in the UAE is 25 years.

When it comes to getting a home loan in the UAE, the maximum duration generally allowed is 25 years. If you are a salaried person, you are eligible for a loan if you are aged between 21 and 65 (at loan maturity), while self-employed persons are eligible from age 21 to 70 (at loan maturity). Keep in mind that while a long-term loan decreases the size of your monthly payments, it will also raise the amount of interest you have to pay over the loan's lifetime.

For many individuals, the best strategy is to take a long-term loan as it maximises your borrowing capacity, but then make additional payments throughout the course of the loan. For example, a CBD home loan allows you to repay up to 15 percent of your outstanding balance once every year without any additional charges or fees. Having this flexible option enables you to pay off your mortgage more quickly and will save you a significant amount of money in interest.

Other eligibility requirements to keep in mind for expatriates who are considering a home loan in the UAE are your monthly income and length of time in your current position. As a salaried individual, in order to be eligible for a CBD home loan, you need to have a minimum monthly income of AED 12,000 and a minimum length of service of six months. If you are self-employed, your minimum monthly income must be AED 20,000, and your business must be in operation for at least three years.

4. Mortgage rates in the UAE are updated regularly.

An important thing to note about mortgage rates in the UAE is that they are based on the Emirates Interbank Offered Rate (EIBOR) and are updated regularly. As the UAE dirham is pegged to the US dollar, the mortgage rates that are offered in the UAE vary depending on changes that occur in the US Federal Reserve's interest rates.

For example, you can obtain a CBD home loan for a competitive interest rate that starts from 2.15% per annum. These loans are available in amounts of up to AED 15 million and feature flexible repayment options, including 0% processing fees on buyouts and 50% waiver on valuation fees. What’s more, you have the opportunity to refinance your property by releasing cash against your fully paid property and buy a new home.

With these features, it is no surprise that CBD is the top choice for expats looking for home loans, as well as for those needing an online bank account in the UAE.

Are you considering taking out a home loan in the UAE? Why or why not? What aspects of the home buying process are you nervous about? What further questions do you have? Let us know your thoughts and any relevant insights in the comments below.

Uncategorized Editor Tue, 02 Mar 2021 02:46:03 -0500
2021 Investment Update By: Arthur Doglione

Raise your hand if you predicted 2020 would see a global pandemic, massive unemployment caused by the first ever government mandated economic shut down in history, a highly contested election, and a stock market recovery from the lows that was amongst the strongest in U.S. history, all in the same year? Ok, put your hand down, there is always one in a crowd! While the calendar has turned all the pages of 2020, there are many differing opinions as to the current health of the U.S. economy and financial markets, have they come too far too soon, what effects will government stimulus and economic dislocations have on the financial markets in 2021 and beyond?

Widespread uncertainty in 2020 failed to dampen the outlook and recovery of equities in Q2 and Q3 2020, record low interest rates were certainly the fuel and spark the markets needed, however the markets took a pause in early Q4 as election chaos gave investors pause, until positive vaccine news once again provided the spark in November 2020. Stocks across the board have risen to new heights, awakening even value stocks from their multiyear slumber. However, following such an impressive rise some on Wall Street believe the rally has come too far too soon, prompting calls of a “bubble” in both stocks and bonds.

While it is our opinion that we are not currently experiencing a bubble in equities, we will grant that the most striking characteristic of economic bubbles, the very thing that fuels their existence is our blindness to them! Perhaps we should first define what a bubble is, one definition of a bubble is that an assets price rises rapidly to the point of being disconnected from any reasonable measure of its inherent value. This is typically caused by emotional inertia driving future expectations higher causing an implausible gap between price and value, some might say Bitcoin! Just an observation largely based perhaps on an inability to make a case for its value given many still can’t even determine if it’s a currency or a commodity! If it’s a currency there is not, and cannot ever be enough in supply to serve this role, if it’s to be viewed as a commodity similarly to gold or silver, I’ve yet to find anything that requires Bitcoin in its manufacture. It may very well continue its explosive price ascent, but attempts to determine “what it’s worth” have been difficult, if not futile.

One asset class where we believe weakness will continue is bonds; with rates at record lows and significantly elevated federal spending to support the economy as well as fund party pledges, we are aware the Fed’s desire is to keep short term rates at low levels, this does not preclude the free markets from pulling the intermediate and long end of the yield curve higher. This realization may seem unsettling to some investors, however, if the economy does start to show better growth in the second half of 2021 as we expect it will, we will likely see rates rise and bond prices fall. Alpha Fiduciary has focused on bond allocations largely supported by real assets or special circumstances which we believe are preferable to own, relative to traditional fixed rate bonds, in rising rate environments.

Finally, earning season will likely provide support for stocks as we begin to see the world return to a more normal operating environment, it would not surprise us to see at least a temporary surge in economic growth before settling in to a more gradual and sustainable GDP growth in the 2.5% range as pent-up demand is satisfied in 2021.

While we don’t think most longer-term investors should underweight stocks in this environment, we favor a core/tactical approach to equities as we believe this presents an attractive upside capture while posed to potentially reduce downside exposure should factors signal to reduce equity exposure in the event it’s warranted.

There are many different approaches to the tactical management of equities, designed and employed with the goal to gain exposure to asset classes when they are rising, and to reduce exposure to those asset classes to limit or reduce downside capture.

If you would like to discover if Alpha Fiduciary’s wealth management approach can benefit you, please visit, or call us at 480-505-4033.

Alpha Fiduciary is a SEC registered investment advisory firm.  This blog is provided for informational purposes only and should not be construed as personalized investment advice and should not be considered as a solicitation to buy or sell any security or investment advisory service.    Please refer to the Investment Adviser Public Disclosure website ( to review our Form ADV Brochure for more information. 

Uncategorized Editor Wed, 17 Feb 2021 22:57:24 -0500
Building Confidence to Deal With the CFD Market To execute trades, you need a great deal of confidence. Having confidence is the lifeblood to overcome all the obstacles and this can be easier when we focus on the essential learning curve with determination.

Lack of confidence is regarded as a destructive trait which should be kicked out from an investor’s mindset. Lack of zeal kills a person from inside and he gets frustrated always. To get the best opportunity for the success beginners must be confident to take the challenge against all odds.

Learning the ways to build your confidence is extremely crucial in trading and one must be unshakable during the sudden downfall in the performance. Engagement with the basics is vital to have the firm foundation in the execution of the trades. If you are motivated enough to learn the secrets to increasing your confidence, this article is for you. We are going to share the step by step guidelines to get the best from your trades. The things which will be discussed here are used by experts in their trading.


A beginner must be proactive to be strong mentally and to increase their self-esteem. To build a solid self-image, one must be punctual to increase his mental performance. After working with the thousands of investors, one thing we found common in all of them is that an individual person is good at something. We may mention some of their skills and those are chess, finance, math, poker or sports. An investor must endeavor to build their confidence at first. For that, they need to choose their broker wisely. Elite traders in the Mena region prefer trading CFDs with Saxo as they have a proven track record in the trading industry.


The best way to increase your self-esteem is to find a skill that an individual is comfortable with using and developing. It is believed that if someone passes at least 10,000 hours doing something, he can easily become an expert at it.

A rookie must keep some time to discover his caliber in a certain topic and check if he is enjoying performing that task or not. When tasks are loved, your confidence will grow automatically as the passion for a certain work increases productivity.

Overcoming the obstacles

This can be compared with climbing on the mountain as without confidence to reach to the peak of successes. It is found that the obstacles may not seem like a barrier if we think positively. Here will provide you with some suggestions to get away from the obstacles.


This is a proven way to increase self-esteem and from ancient time, great people are performing this ritual. It helps you to increase our stamina by keeping our mind calm. Expert traders perform deep meditation everyday morning which helps them to make the right decision at the right time. And do not overthink about a certain trade as it will create unnecessary stress.


Regular physical exercise keeps the body fit and makes you believe in yourself. When we can believe, we can make it possible even if it seems impossible in the beginning. Believing in oneself is the key to success in FX trading.

Professional traders work out which helps them to maintain a jolly mindset regularly. When going to the gym, an investor may be introduced with the other traders which may help them to have new experiences and strategies eventually.

At the bottom line, we can say that raising the confidence for trading is not that difficult as it may seem in the beginning. Experts are very confident of what they are doing and for this reason, they do not lose too much money after they make an investment. But, it must be kept in mind that no one can win every time; therefore it is best to be confident in every situation.

Uncategorized Editor Mon, 15 Feb 2021 23:08:23 -0500
Business Insurance: Planning Ahead, Protecting Profits Everyone knows that all businesses go through ups and down. The specifics may differ in each case but there are broad similarities and recurring patterns. Some hardships may be out of our control, but many are within our power to anticipate and defend against. The most successful businesses have systems in place that limit the damage and allow them to recover faster. When emergencies happen, they do not have to panic as they have the means to deal with the situation. For example, they have secured the following types of business insurance to prevent financial shocks: 

  1. General Liability Insurance

This is perhaps the most important kind of business insurance that owners must acquire. Small businesses can suffer greatly if they get sued for damage because of their products or services. This might happen if customers succumb to bodily injuries or sustain property damage because of defective items or careless staff. General liability insurance can serve as the safety net that will avoid a complete collapse and keep the operations going despite the legal predicament. Even an adverse ruling will not cause it to go under since the insurance provider will take care of the financial liabilities up to the agreed limit.

  1. Property Insurance

As a small business grows, it can expand and acquire more properties relevant to the operations. For example, it might own a modest office building, a restaurant, a warehouse, a shop, a gym, a spa, and so forth. Inside of these structures, there will also be valuable assets such as computers, inventory, commercial appliances, office equipment, and a variety of tools. All of them may be damaged by fire, floods, theft, vandalism, and other acts. If these were to happen, then the cost of repairs would be massive. The operations may also be interrupted, and the loss of earnings will mount until everything has been resolved. This form of insurance can take care of all these.

  1. Commercial Auto Insurance

This is specifically designed to cover damages to a business's fleet. For example, a lot of stores have their own trucks to obtain supplies and provide deliveries to their customers. If these got involved in accidents, then they might sustain significant damage that will require massive repair costs. The goods they carry may also get damaged which puts the business in further difficulties. In the worst cases, even the driver and other occupants may sustain injuries. Commercial auto insurance should be able to take care of all the needs arising from these incidents.

  1. Worker's Compensation

Workers may sustain injuries through the course of doing their jobs. For example, they might slip and fall on a wet spot while carrying goods from a truck to the warehouse. Others might lose fingers of limbs after operating a malfunctioning machine. Businesses can avoid such injuries through the use of safety gear, the conduct of regular maintenance, the posting of warning signs, and the training of all new workers. The few accidents that may occur can be taken care of by worker's compensation insurance so that the affected person can get immediate medical attention and may receive allowance while recovering.

  1. Professional Liability Insurance

Professionals may wish to get a special type of liability insurance that covers the damages that can be caused by their personal errors and omissions. For example, real estate agents, lawyers, accountants, or engineers might make costly mistakes while rendering services to their clients. The affected parties might sue to recover damages. This can be a long, grueling, and costly legal battle. It can be devastating to one's professional reputation. It is also extremely expensive if a person were to shoulder all of the costs out of pocket. It's always better to get insured just in case it happens.

  1. Data Breach Insurance

Some businesses store sensitive information about their clients, employees, and other businesses. The information may be in paper documents or in digital archives that are within their control. Despite high levels of security, there may be a data breach that results in stolen information and system damage. This happens so often these days that there is now an insurance policy that deals with the matter. This could also cover remote system attacks from hackers and damages to computer systems. Consult with an information system expert when looking for a suitable insurance provider for this type of service.

  1. Crime Insurance

Some businesses are more prone to certain crimes than others. Owners might find it prudent to get insured against such crimes so that they can recover right away from these setbacks. For example, a 24-hour convenience store might be situated in an area with rising crime rate. Nearby establishments might have already been victimized by robbers. Aside from making security arrangements, it might be helpful to get crime insurance so that whatever gets stolen can be replenished right away. Study the contracts to see what kinds of losses can be included in the coverage.

  1. Equipment Breakdown Insurance

Some businesses are heavily reliant on their workers. Others are dependent on their machines. For example, their operations might halt if their large printers, cold storage units, water purification systems, or CNC machines break down. Repairs can take time and they will bleed with losses while this is getting fixed. If you wish to protect your business from the costs incurred from these incidents, the get equipment breakdown insurance. The reality is that all machines have finite service life, and they will act up from time to time. Regular maintenance can reduce the headaches. Insurance takes your planning a step further.

  1. Business Interruption Insurance

Businesses may close their doors temporarily for reasons that are out of their control. These external forces might include unusually foul weather, government repairs of adjacent streets, nearby chemical hazards that need cleanup, peace and order problems, health-related closures, and the like. You may find some insurance providers offering coverage for the lost income during those situations and more. This will go a long way towards keeping your business going despite the closures. You will be able to keep paying your workers, your store rent, your business utilities, and so on.

  1. Accounts Receivable Insurance

A lot of business transactions are not conducted in cash. This is especially true for large purchases since it is impractical for people to be carrying massive amounts of money. They are typically paid for with credit cards or other forms of financing. Online payments, on the other hand, require electronic payments. Businesses are not always able to collect customer payments. Long delays can result in several issues with the payment of the business' own bills and loans, as well as the salaries of its employees. Insurance can protect against this.

Uncategorized Editor Mon, 15 Feb 2021 02:21:13 -0500
Why Should I Invest in Copper Stocks?

Investing in base metals or commodities has been a staple investment strategy for decades. Copper, lead, nickel, and zinc group together to form a classification known as base metals. Investors seeking opportunities tied to expected growth should focus on the best copper mining stocks in particular.

Given its broad use and growing demand, an investment in copper is often equated to an investment in growth.

Here’s a closer look into why you should invest in copper stocks in 2020 and beyond.

What does the Copper Market Look Like?

There are many companies that explore and mine for copper. It’s important to distinguish the best copper stocks to buy to safely diversify your portfolio.

There are major companies in the sector that are well-capitalized with decades of history, world-spanning operations, and slow and steady cash flow. Major copper mining companies have proven and probable reserves. They break down profit and cost on a given deposit by the ton, which makes them easy to evaluate and invest in if you want to buy copper stocks.

The junior mining copper companies are the exact opposite of copper mining majors. They tend to have little capital, short histories, and high hopes for huge returns in the future. However, they hold the potential of making a huge discovery and becoming the target of a merger or acquisition from a major company. Junior copper miners are attractive because as newer companies, their stocks tend to be cheaper. 

Many analysts advise investors to buy copper stocks from junior or mid-tier copper miners as they are cheap but hold the promise of great returns in case the company finds a large deposit. When this happens, juniors can return more in a few days than a major will return in years.

Although majors and juniors are very different, their business model is based on using up all the assets they have in the ground. The catch is that mining companies don't know exactly how much is in a given copper deposit until it is all dug up. For this reason, the value of a mining stock roughly follows the market value of its reserves, with a premium paid to companies with long histories of successfully bringing those reserves to market.

Another factor worth considering when you think about whether you should invest in copper stocks is the demand for the said metal.

Supply & Demand of Copper

The price of copper is driven by supply and demand. As one of the most useful industrial metals in the world, it has always been an item of interest for investors.

Even during times when the price of copper falls as a result of economic uncertainty and disruptions to the supply chain, the applications of copper remain diverse, driving demand.

A contributing factor to the demand for copper is the fact that China is the world’s biggest consumer of copper. It accounts for over 40% of global demand. The United States and the European Union follow, and India has emerged as the fourth largest global consumer of copper.

The industrial uses of copper span multiple sectors and applications, which means that even during economic slowdowns, demand continues to remain strong.

On the supply side, Chile is the world’s largest producer of copper, with China in second place. In 2014, Chile produced 5,750,000 tonnes of copper, nearly four times as much as China. There is currently enough production available to meet demand, but diminishing copper reserves recently started to push prices higher.

There have been several new copper discoveries in the past decade which have driven up the stock prices of the companies that made them. However, the grades and scope of each of these deposits have been significantly less than current supply. While economic, new supply is looking to be increasingly expensive to produce.

This indicates a strong case to be made to investors who are looking to buy copper stocks, such as Hot Chili Limited. When considering which are the best copper stocks to buy, always look towards companies with advanced exploration projects in politically stable regions. There are attractive targets for speculative resource investors and ways to diversify your portfolio with minimal risk.

Uncategorized Editor Fri, 12 Feb 2021 08:50:45 -0500
Why Should the Middle Class Invest in Real Estate? Investing can be the best choice to make if you have saved some extra money.

But with mighty ups and downs in the market, the hesitation to invest your valuable savings is obvious.

To find something that actually pays off, the aspiring middle-class people must consider real estate investing.

A great opportunity waits for the investors to help meet the ever-increasing demand for housing.

The question is that why and how investment in real estate fits well for the middle-class investors.

A better control over your investment

You will observe a wide range of real estate investment options. This flexibility is the need of a middle-class investor.

You can buy and rehabilitate older houses, renovate them, and then enjoy the perks by selling for higher prices.

You can also hold on to the house and when rents go high, you can make a return on your investment.

If you don’t want to do all that work, you can invest in REITs, or real estate investment trusts.

These are companies that own or finance income producing real estate across a range of markets and sectors.

A consistent wealth creator

As with the stocks, you cannot make money unless you sell them or collect a small dividend each month.

Real estate investment, in comparison to stocks, provides you the leverage of an unbroken cash flow if you opt to rent the property.

And of course, a good cash flow is the need of a middle-class investor to meet the everyday requirements, including carrying the mortgage.

When carrying a low mortgage, it is possible to rent the house at a higher price than the amount required to carry the mortgage. This will leave you with some extra money that can be used either in renovating (if needed) or for investment in other properties.
That’s why real estate can build you a more consistent wealth than other asset classes.

Opportunity for middle-class investors

 There’s much room in real estate for the middle-class investors. The larger investment firms for real estate do not focus on smaller properties.

That’s where individual investors can fix their feet. With larger firms out, the prices for the properties are usually lower.

Tax Benefits: There’s a considerable difference between the taxes on $50,000 nine to five job, and the taxes on an income of $50,000 yearly via a rental property.

The government levies lower tax rates on rental property owners for their long-term profits along with other assistances like depreciation and exclusion of self-employment tax.

Tangibility: Unlike the problem with stocks or bonds as they may lose value over time, real estate is a tangible asset.

The prices may go down at some point but due to the supply-and-demand factor, they must rise someday.

You can hold on to the property and wait for the demand to increase and your patience will surely pay you off.

Security: True that investing of any kind is risky. However, building a real estate business steadily and holding on to it means a secure future.

Real estate investment can be the best plan for your retirement. It’s possible that your property may not deliver a good income at present, but it WILL in the future if you purchase correctly and manage the property efficiently.

Time to buy: As the figures tell, the US real estate market has been a bit lower since 2020. It means that the demand is lesser now, making the prices go down.

This can be the perfect time to buy property and hold on to it till the prices rise.
Tom Peters says, “If a window of opportunity appears, don’t pull down the shade”.

It’s better for an aspiring middle-class person to timely acknowledge that houses are not just for living in, they can also make you a living.

Key Takeaways:

  • While buying a property, don’t just focus on those near your residence. Sometimes, those far apart can be economical.
  • Real estate also works on demand-and-supply Investing when demand is lesser would be economical.
Uncategorized Editor Thu, 04 Feb 2021 22:42:22 -0500
Should I Invest With My Bank, or Seek Out a Broker? 2020 has been a long overdue wake-up call for everybody. We all need a nest egg, not just for retirement, but for rainy days, too.

When disaster strikes, cash reserves can buy valuable time. As we sat in quarantine this spring, we began to dabble in equity markets. For some, that was enough. But not you – you threw yourself into the art & science of investing.

That quest for knowledge has brought you here. Along the way, you’ve likely read conflicting information about banks and brokerages. So, which of these institutions should you invest with?

Below, we’ll lay out the pros & cons of each entity.

Bank or Broker: Which is Best?

You’re stuck in a “paralysis-by-analysis” funk. Initially, you were going to go with your bank, but then you read multiple sources that claim their fees are too high. Brokers sound like a good option, but do they really live up to their hype?

Below, we’ll analyze the good and bad of each investment channel.

Pros of Using Your Bank

1) It’s convenient

Making change in our lives, no matter how impactful, is hard. As humans, we’re hardwired to crave routine. By contrast, change is dark and scary.

The easier it is to make a shift, the more likely you are to follow through. This fact gives your bank a huge advantage. On their website, you can start investing with them within minutes.

2) Banks are stable

Financial institutions like RBC, BMO, and Scotiabank are Canadian business bedrocks. RBC has been around since 1864. BMO has issued dividends for 190 years straight. If you’re looking for a reliable company to invest your money with, Canadian banks are as good as it gets.

Now, there haven’t been any high-profile failures of Canadian brokerages lately. However, these firms are more likely to take risks than the banks mentioned above. If losing your investments due to broker failure is keeping you up at night, investing with institutions like RBC may be better.

3) They employ experienced finance professionals

You’re too busy advancing in your career and raising kids to learn about investing. Thankfully, banks employ financial advisors & analysts that do the intellectual heavy-lifting for you. You need only tell these professionals your goals. Do so, and they’ll put together the investment plan most likely to get you there.

To learn more about bank-driven direct investing accounts, check out this RBC direct investing review.    

Cons of Using Your Bank

1) Their fees are much higher than private brokerages

Ever notice how much more milk costs at a convenience store? It’s the same product, so what gives? Well, it’s easier to pop into a corner store than drive to the supermarket. The shop owner knows this, so they charge a “convenience premium” on everyday staples (like milk).

The same rules apply in finance. Your bank already has a financial relationship with you. They know how hard it is for people to trust a firm with less brand recognition. Because of this, they can charge higher fees for trades, expense ratios, and so forth.

Ultimately, these charges erode your principal, limiting the long-term growth of your investments.

2) Some limit your selection of mutual funds and ETFs

Banks are moneymaking juggernauts for a reason. They know their best customers are risk-averse, so they charge high fees with abandon. However, their profiteering doesn’t stop there. Banks also get higher commissions from specific mutual funds.

As a result, your financial institution may limit selection of funds to those that deliver the highest profits. Sadly, these funds have higher fees than competitors, which can limit your investment gains.

Pros of Using a Broker

1) Their investment fees are much lower than the banks

In a perfect world, you’d be able to hang onto every dime you invested. In this world, though, you need to pay brokers to buy funds on your behalf. And so, paying fees is an unavoidable necessity.

Fortunately, non-bank brokerages charge much lower rates than the banks. These firms lack the overhead that banks are stuck with. Furthermore, they also set lower prices to overcome the built-in inertia of existing bank customers.

Either way, the result is the same. More of your principal remains intact, leading to greater gains in the long run.

2) You can personalize your investments

What good is saving for retirement if there isn’t a livable world to retire to? That’s the question on the minds of many investors these days. Unfortunately, many bank ETFs and mutual funds contain morally questionable investments.

When you have a brokerage account, you can invest in your future without selling out your conscience. There are two ways you can do this – by buying ethical/green ETFs or mutual funds, or by selecting stocks yourself.

3) You’ll learn how markets work

Nothing worthwhile ever comes easy. If you could get 20% annual returns parking your money in an ETF, everybody would be doing it. But, if you pick your own stocks, you’ll eventually learn what works and what doesn’t.

ETF managers actively avoid risk, but because of this, these investments don’t earn much. If you have a high tolerance for risk, you could eventually find investments that outperform most ETF/mutual funds.

Cons of Using a Broker

1) It’s riskier

ETF managers avoid risk for a reason. People who invest in these products want a “sure thing”.  “Sure things” don’t exist in the real world, but these funds come close. By taking matters into your own hands, you can earn more, but you can also lose – a lot.

2) You’ll have to do research

Too many of us employ a “set-it-and-forget-it” approach to investing. If 2020 proved anything, it’s that markets can shift on a dime. In January, who would have predicted the DOW would crash 40% before setting an all-time high?

Answer: Not many. Nonetheless, investors with years of investing experience knew trouble was brewing in February. After markets crashed in March, they also knew there was huge potential for gains in sectors like biotech.

You only gain these insights by doing your homework. For most, that’s a deal-breaker.

Convenience vs Performance: It’s Your Call

It’s better to invest than to sit on the sidelines. If you invest with your bank, you’ll be miles ahead of those who haven’t saved a nickel. However, if you want to maximize your returns, non-bank brokerages are the clear winner.

Uncategorized Editor Wed, 23 Dec 2020 04:22:30 -0500
When Are Personal Loans A Good Idea? There are a variety of circumstances in which personal loans come in handy. Personal loans are loans that are marked for a specific purchase. There are specific loans for specific purposes such as mortgage loans, car loans, or paying out college fees. But a personal loan can be used for anything you want to do. It is always a good idea to opt for personal loans. Few lenders might want to know the reason behind borrowing the money but as far as you are borrowing it for a responsible reason then there is nothing to worry about. In many cases, personal loans come with no collateral which means that they turn out to be much higher when interest rates are compared. These loans are mostly unsecured and the interest rate is higher as compared to the secured ones. There are times when it is just perfect to opt for personal loans and if you were surfing the internet for this reason then this article has got you covered. This article will guide you through the times when taking personal loans is a good idea.

Consolidate Credit Cards

Many cases have been seen in which an individual has more than one credit card that is charged to the max. In these types of cases, it is best to opt for personal loans for quick cash. One can always consolidate all the charges into one monthly payment. What should be noted is that the interest rates on the loan are much lower than the annual percentage rates on the credit cards themselves.

Quick Cash To Refinance Student Loans

Refinancing student loans can be of great relief. The student loan interest rate differs according to the situation and mostly it’s around 6.8% or higher. At times, you might be able to get a personal loan at a much lower interest rate which would allow you to return it much faster as compared to normal personal loans. This is the main reason why people opt for personal loans.

Quick Cash To Finance A Purchase

Financing a purchase might be a reason to require quick cash for. If you are opting for a loan anyway, opting for a personal loan is always better as it is better to pay the seller in cash than financing through the seller or a high-interest credit card. One should always make this decision after a thorough study and research. One should know the offer that the seller is providing and should respond accordingly.

Improve Your Credit

In many documentations, credit scores play a vital role. A personal loan might end up improving your credit significantly. A personal loan might help improve your credit card debt score and help your account mix. It is no surprise that having different types of loans is quite favorable to your score. Besides this, it should also be noted that it is quite likely that it may lower the credit utilization ratio. It is the amount of total credit an individual uses as compared to the credit limit.

Uncategorized Editor Sun, 20 Dec 2020 00:16:17 -0500
How to Finance the Purchase of Investment Property The time has come to make a move into an investment property. The business plan has been researched and developed. The profit and loss potential have been considered. Now it's time to secure the financing to purchase the investment property that has been on your radar. With mortgages at low-interest rates, wise investors are seeking to expand their real estate portfolio.

First, let's consider why investment properties are a good hedge. For one, there is only a finite amount of land. Secondly, there are solid opportunities for passive income. For investors with cash on hand, purchasing investment property then refinancing may seem counterintuitive but there are sound reasons for going this route.

Naturally, the ultimate goal of investing is to earn money, but how and where can an investor go to get the financial backing to make the dream a reality?

In the following, we will share popular options for securing the funds to invest in properties.

Private Loans

Private loans are used for both short- and long-term investors who need financing to compete with cash buyers. Let's face it, most people do not have cash on hand. Private money loans offer the investor to buy investment property with cash then refinance to secure the property.

This is a great option for those who may not qualify for a traditional loan or who need to act quickly.

When seeking out private loan lenders, take the time to get prequalified. Doing that will save precious time and give you a better chance to lock in the deal, especially in a competitive market.

Traditional Mortgage

Most homeowners are familiar with traditional bank mortgages. When approaching a lender for a loan, they will check your credit score, how much equity is available, and they will expect a down payment to secure the loan. This can range anywhere from 0% plus closing costs if there is a lot of equity above how much the investor wants to borrow; up to 30% for investment properties. The debt-to-income ratio will play a deciding factor, as will the borrower's credit history.

Traditional lenders tend to be more stringent about the businesses they work with because they too have to stay afloat. Their consideration is based upon their investment plan as well. They need to make smart business decisions too.

Use the Equity to Fix and Flip

There may be equity in your home to help ease the monetary grip of a lender. Investment properties are not limited to income from tenants. There is a huge movement of entrepreneurs who are hedging the equity of their home to buy a property on the cheap, fix it up and give it curb appeal, then flip it quickly before next month's bills are due.

If an investment property is a route you want to take to earn a living and put money in the bank, consider what type of investor you wish to be. Being a landlord can generate a good source of residual income but there are many pitfalls with this route. Consider that finding good tenants who pay on time is not always an easy task. Maintenance of said property must also be established. Fix and flips are great if you've got the tools and resources. Traditional banks will not consider potential income when assessing the profit and loss portion of the finance application.

At the end of the day, it is wise to research all avenues of financing and assess the risk of any business endeavor. While there is no guarantee for success, speaking to a financial advisor and mortgage counselor is a great place to start.

Uncategorized Editor Mon, 14 Dec 2020 08:52:43 -0500
Why Is a Real Estate Investor Portal Essential for Realtors The real estate industry has, in the past decade, recorded a vast growth rate. Way before the advent of technology, real estate investors were prompted to rely on brokers and agents. Brokers and agents, on the other hand, worked with certain real estate agencies or independently.

However, technology has completely revolutionized the real estate scene. Now, people can search and make purchases online. As a real estate investor, this could be the most suitable time to get ahead of the game. Technology has brought with it various opportunities that would have otherwise seemed herculean.

Real estate portals are among technologies changing the way the industry operates. In this article, we look at why portals are important for realtors. Let's dive right in!

1. Huge Customer Database

Any business would be dead if there were no customers. That's why business owners put a lot of effort into finding customers for their business. The same applies to real estate investors.

Real estate portals give investors access to a wide database of potential customers. They allow investors to offer their services to both buyers and sellers. This also helps eliminate any geographical limitations that your business may face. Besides, you get the freedom to access the database at any time of the day and from any location.

2. Better Property Management

Real estate investor portals help property owners manage their assets. Whether it's rent collection, vacancy monitoring, or insurance management, the software helps you with the management roles.

And the best thing about it? You can go from one property to several, sometimes up to 50 properties. The portal enables you to keep track of each property while remaining organized.

3. Lead Acquisition

Way before real estate investor portals became popular, realtors spent a lot of money to acquire prospects. They had to use methods, such as advertisements and yellow pages, to market themselves. This would end up being time-consuming as they'd wish the prospective buyers would call.

Real estate portals have completely changed the scene when it comes to lead acquisition. People are now always looking for information online. A real estate portal boosts your online visibility.

However, basically having a portal isn't enough. To convert leads into clients, you need to leverage the following:

  • Use social media- Social media is nowadays one of the essential marketing tools. Some of the most common marketing platforms include LinkedIn, Facebook, Twitter, and Instagram. You can use these platforms to collect leads passively.
  • Lead Segmentation- Real estate portals will help you acquire leads and categorize them based on various criteria. Criteria used to categorize leads include their behavior, how they interact with your brand, and content on social media or location. With this knowledge, you can customize your marketing efforts to offer personalized services. For example, you can engage those who interact with your brand more on a personalized level and leave 'cold leads' on email marketing. You'll invest your marketing resources more prudently.

With a portal, you don't have to keep sending emails or calling your prospects. You can include a contact form on your homepage. This will not only help you raise capital but also get genuinely interested leads. You are almost assured of the deal, and you can approach them in the best way possible.

4. Inventory Management

With a real estate portal, you have access to the backend. This allows you to effectively manage your property listings and upload, modify, or remove your website's listings. Such a function would otherwise be monotonous and time-consuming if done manually and on your own.

Further, you can verify the listings. Having fake profiles and listings on your website negatively affects your reputation. Clients will trust you less and will not consider your brand in any deals. With a portal, you can increase your authenticity by only publishing verified listings.

5. Centralization

Imagine running a real estate business without a central management system. First, you have to be in the office during office hours so that your clients may be able to reach you. In most cases, you'll have to use paperwork to record your daily operations. Besides, you might have to open offices in different locations where your business is located.

However, a real estate portal takes all this load off your shoulders. Your customers and associates can contact you online. Also, think of how most of your clients might be professionals with busy schedules or may prefer carrying out many functions at their homes' comfort. With a portal, your clients can access your services online. They can look up and even compare different properties at their most convenient location and time.

Besides, all your operations are centralized in one location. This saves your business a lot of time.

Bottom Line

You must remain relevant in this digital age to enjoy successful real estate investment. Investing in a real estate portal can benefit your business in many ways. By taking your services online, you'll be able to manage all your functions in one place, manage your inventory better, and have access to a larger client database.

Uncategorized Editor Wed, 09 Dec 2020 07:52:59 -0500
The EUR/USD Year of Volatility The rollercoaster ride that is 2020 continues, and as we finally inch towards the end of the year, the ride is getting even wilder. Ups and downs are rife in the market, and each seems more drastic than the last. Political changes and the ever-present pandemic are the drivers of much of the financial market unpredictability, and just like a rollercoaster ride, the crescendo of 2020 seems to be happening right at the end. The US elections brought about many different reactions in the market, and part of this was amongst the foreign exchange sector. That, along with recent second waves of the Coronavirus across Europe and other parts of the world have led to an interesting year for certain currency trading pairs, particularly EUR/USD. Let’s take a look at how world events can impact foreign exchange, and how the most recent events have affected popular forex trading pairs.

World events and forex

Foreign exchange is seen by many traders as a crucial determining factor for a country’s economic health. In fact a country’s economic stability is largely reflected by the currency’s performance.1 In the case of political events, a change in government often has a knock-on effect for a currency as economic policies can be changed or new policies added by the new government that can impact the country’s economy.2 Other big factors that can affect foreign exchange are natural disasters, like hurricanes and tornadoes, and, as this year has shown us, pandemics.2 So, like we’ve seen on the news, these situations can lead to loss of life, infrastructure changes, and lower economic productivity, which in turn can lead to a currency decline as economic activity slows down and countries spend money on rebuilding and recovery.2

Each time a country’s currency is impacted by an event, this can affect its value and how it trades in the market compared with other currencies. As currencies trade in pairs, they can be even more volatile as each currency experiences its own changes which can impact the pair. So, while forex is one of the most volatile sectors of the financial markets, it can also be one of the most telling.

Newfound optimism for the euro

Since July, the euro has been trading between $1.16 and $1.20, which is a middle of the road area for the currency.3 This is largely due to the flurry of Coronavirus second waves and the US election news, as the euro tries to find its feet again.3 

However, the last quarter of 2020 has brought some optimism to the markets as Joe Biden won the US elections, and Pfizer and BioNTech announced that their vaccine candidate is 90% effective amongst participants in their clinical trials. The forex market has seen a benefit from this optimism, with the euro and the British pound holding steady against the US dollar recently.4

At the time of writing, the EUR/USD pair is trading at 1.17803, and is coming down from a recent high of 1.18934. On November 2nd, the pair hit a low of 1.16415, and then shot up by 0.6% over the next six days to close at 1.18934 by the 8th. However, second waves of the virus are dampening the performance of the euro, and the pair slipped slightly slower at the time of writing, as lockdown measures around Europe get more stringent, and uncertainty creeps into the markets again. Another factor which may come into play soon for the euro is the post-Brexit trade deal between the UK and the EU, which is set to conclude presently, however, this is not 100% certain yet. Either way, whether or not the trade deal is finalised, the euro could be impacted, and therefore it’s worthwhile for forex traders to pay attention to world events closely. 

Uncategorized Editor Sun, 22 Nov 2020 22:39:06 -0500
What Services Are Provided By Accounting Firms? You might be already aware that accounting firms offer services to help businesses stay financially organized. This is the responsibility of ensuring that a business is not only tax compliant but also in progressive growth.

There are still several businesses that just consider firms as bookkeepers whereas their role is way beyond that. But there is a difference because not all firms offer the same type of services. The differences in services mean that you should ideally be interviewing several types of firms before settling on anyone. Let's dig into the details about the type of services.

Tax Planning

You need to realize that tax planning falls beyond completing tax returns. In this process of tax preparation and accounting firms prepare year end documents for businesses. Many times business owners themselves prefer to give liberty to accounting forms of representing the interest of businesses through audits notices and other requests. Furthermore, businesses are required to get business entities for creating ideal tax scenarios, and in that case accounting firms come to the rescue. These firms provide optimum solutions for creating entities.

Many times business owners are not aware of specific estate needs and requirements. In such cases accounting firms take the responsibility to not only identify the tax planning needs but make the business comply with them. Furthermore, these firms work closely with financial planners, attorneys, and other agents for ensuring effective long-term strategies to mitigate taxes.

Accounting Firms Offer Bookkeeping

Entrepreneurs or other business owners will not agree more that handling finances are not similar to handling their own business. But business owners do not have to crease their forehead in this regard because accounting firms have got them covered with finances. These firms provide expertise in financial matters for running a business smoothly.

If you are wondering how these firms ensure a smooth cash flow record then copies of business bank details need to get sent out to the firms. These firms then work with bookkeepers for maintaining accurate records.

Statements And Paperwork

These firms also help in creating both profit and loss statements. Many times, the firms also assist in managing the payment to vendors. This service of payroll processing helps businesses to a great extent. The firms can also help with the services like completing the paperwork. If your business needs to maintain paperwork for the onboarding employees to ensure proper year-end payment documents then accounting firms have got you covered.

Business Valuation

You must already be aware that accounting forms play a huge and vital role in the valuation of any business. These forms are responsible for creating the valuation report and getting the audit done. Every detail of a business needs to get accurately valued through proper auditing. Every loan the business takes or funds it receives needs to be included in valuation and such a task is taken care of by the accounting firm. Accounting firms are analyzers who will dig into the revenue of previous years and study the growth patterns for providing an estimate of the company's value.

Uncategorized Editor Mon, 09 Nov 2020 22:23:47 -0500
5 Biggest Challenges First-time Investors Face

Investing is intimidating enough for first-time investors without the recent stock market uncertainties. But to invert the old adage: what goes down must come up. Besides, smart investments can take a long time to become profitable. Investing is a long-term game.

If you’re a first-time investor, we’re here to acquaint you with the biggest challenges you might face.

Learning the Basics

The Internet is a hodgepodge of suggestions. Books are better and trusted sources of information where you can systematically begin to learn the basics. You might want to look into books such as Benjamin Graham’s The Intelligent Investor, Paul A. Merriman and Richard Buck‘s First-Time Investor or William J. Bernstein’s The Four Pillars of Investing. You can even find workbook-style books to help you along the way!

Not Having Enough to Invest

Even if it’s “spare change”, you can invest something. This is a real challenge if your budget is tight. At this point, though, it’s a matter of getting to grips with your finances and finding where you can get those extra few pounds. Then, accumulate. If you only have a small amount you can invest, you can look into partial shares. Yes, these exist. 

Experiencing Losses

Checking how your investments are doing daily or weekly will make you go crazy. But even in the long run, you’ll notice some gains and losses. Seeing losses might get you panicking. Here’s our advice on this. (1) Don’t fall into the sunk cost trap - if you see values dropping significantly in a short time span, sell and invest in something else. (2)  Avoid the sunk cost trap entirely by setting investment goals e.g. to see a 5% return on your portfolio over the next year. If you don’t achieve it, reevaluate your plans.

Not Knowing Where To Invest

You don’t want to have all your eggs in one basket, but investing in too many options can also lead to negligent returns. It’s best to pick 2-3 options to invest in and stick to them. Investment funds and trusts are generally cheaper to buy than stocks and can help you diversify your portfolio. Company stocks tend to be illusory in that a company can seem like it’s doing great on the outside, but on the inside, it might be falling to bits. When starting, it’s better to stick to a more stable option.

Finding Help and Support

It’s always good to get some advice from more experienced investors or professional financial advisors. You can find comprehensive lists, along with free quality advice on sites online. But be careful. Things can go wrong even when you have a professional by your side. In that case, we recommend you have good solicitors on hand, like MJW Law, who have experience with professional negligence claims.

It might seem like a rocky road ahead, but, armed with the right knowledge, adequate support and planning, you’ll manage to find your way through the jungle of investing. Good luck!

Uncategorized Editor Tue, 20 Oct 2020 09:53:09 -0400