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Investing in Life Settlement is a Good Thing for a Prosperous Life

There are various financial plans in the offing and people are also investing in them, as they offer more benefits in terms of money and security too. The latest one to attract attention is life settlement schemes. However, before investing in such plans and programs, it is necessary to obtain useful and ample information on the products for a safe future.

It is a well-known fact that people invest in many financial plans so that they get secured for their lives. However, life is a vicious circle that can force anyone to suffer both emotionally and financially. Therefore, people get themselves insured for life; even if life plays havoc, then these things can be taken care of. Hence, it is a good idea to invest in such programs for a relaxed future. With the advancement in financial sector, and life settlement market, senior citizens are capitalizing are investing in these kind of programs for a better life. The settlement policies and plans offer them with a chance to cash in their life insurance in a new way. Instead of selling the policy to the life insurance company, investors can hire services from such brokerage firms to get the maximum out of it. There are several companies that offer lucrative deals from such firms. However, life insurance policies are long-term investment plans that can only be beneficial after a certain point of time, whereas, these policies provide long term and instant recovery schemes to the investors that will again benefit immediately.

Moreover, these settlements can be sold according to the investors need and comes with proclamation services like transfer of ownership. Such a settlement of your insurance policy, is a financial transaction in which a policyholder gets an opportunity to sell it at his own will. Therefore, one can add that investing in life settlement enables the policyholder to decide on the future course of action. Hence, such policies are the best options available for people who want to lead a comfortable life. Thus, do not think much as investing in this is a great move for a secured and wealthy life. However, if one is in dire need of money and his or her circumstances are not letting him or her to take up a loan due to the lack of information on various financial plans, then it is advisable to make investments in the information on hands as it makes life easier.

One can additionally do many things through investing in these schemes, like make payments for unpaid bills, purchase a house or even pay the medical fee. Well, investing in such plans also lets the investors to travel for leisure or for treatment in other place or even country. The various other factors that force people to make investments are the ever-changing trends of finances. In fact, security is the main reason for investing in such plans as they offer constant respite to the investor. Investing in life settlement helps in selecting the most beneficial scheme that has advantages. Therefore, do not hesitate and call an agent for a lifetime security immediately.

Business Ideas For Home – How to Turn Business Ideas For Home Into Working at Home Success

People are looking for business ideas for home. This is the toughest economy that many people have experienced in their life time with high gas prices. Don’t let it get you down because you can find a home business to get ahead. There are things that you can do to find a home business by knowing what to look for and how to market it. Once you take your financial future into your own hands then there is nothing that your old job or the government can do to bring you down.

Getting Ideas

Getting business ideas for home is pretty easy. Start by writing down the things that you like such as your hobbies, business skills, and any other type of skill that you think are marketable. Then go to Google and do a search for “home based businesses” and write down the ideas that pop at you. Also take a look at the paid results on the right side of the page. You might get lucky and find something right away. If not go over the list very carefully and start narrowing it down. Keep in mind that there are some things that you need to look for to find the right business for you.

Getting Started

Starting a home business is pretty easy but there are some things that you need to look for. Look to make sure that the company offering a business opportunity has a track record and a physical address with a working phone number. A lot of fly by night companies only have a bad web page asking for your credit card and do not offer any credible contact information. Also determine if you are going to have enough time to run your business. Many people get into business and think that it will make money by it self and it just doesn’t work that way. Once you find something then its time to see how you are going to run and market you business.

Effective Marketing Is A Must

Marketing your business will be the biggest ongoing challenge that you will find, because many people do not know how to properly market their businesses. Most think that “if you build it; they will come!” That might have been true at the movies but not true in real life. This is where most business owners fall short and their businesses fail. So when you are looking at an opportunity you must find out if there is any marketing training that comes with the business and how adequate it is.

Need Great Training

Lack of training is the biggest shortcoming on most online and home based businesses. Seriously think about it carefully. Would you join a business if they did not provide training? The sad truth is that many people do join programs or start a home business only thinking about how much money they are going to make. They press submit button after filling out the online form and feel like they are on business cloud nine but nothing has happened yet. But once their enthusiasm goes away they are left floundering around trying to figure out how to get started. Don’t let this happen you. If you feel like you need a lot of help getting started then think of a business that follows the franchise model.

Franchise Model Works

Franchises are not great business ideas for home but the franchise model is. Look for an opportunity that has the business model plus the marketing training. You can take advantage of this business model for your home based business and why not? Do you think that you could feel a lot better with your home business with an easy to follow step system to run your business? You bet you can. Drive down Main Street and count the number of franchises that you see. This model works on Main Street and it also works on your street.

Don’t Fight Yesterday’s Investment Battle – Why Betting on Last Year’s Bull Market Always Fails

For example, hypothetically, if the case were true that the recent 2007 stock market squalls signified a coming bear top in the market, many players by definition would not recognize such and would, looking through the rear view mirror, be playing yesterday’s game, still investing in the dying bull market.

These types of long-term reversals do not happen often, but such reversals present opportunities to preserve past bull market profits and to invest in a new bull market’s investments. There is a fundamental change in the psychology of the markets when this transition occurs – and it needs to be recognized. But that is easier said than done.

I recall shortly after the great stock market bull of the 1980′s launched in 1982-3, many prominent investors were incredulous about the market’s powerful launch. After all, the Dow average had hit a peak of slightly over 1000 back in 1966, and was only finally 16 years later in 1982 decisively breaking through that level once again.

Even back then in the Stone Age, on the popular eighties-era NBC “Family Ties” television series, Alex Keaton, the character played by Michael J. Fox, exclaimed that 1000 was the new floor for the stock market! I think we all knew how important it was at that time for the stock market to exceed the boundaries that had restricted stock prices for over a decade and a half before 1982.

I think one of the reasons why many people were not more fully invested in the stock market during that exciting time was that they were fighting yesterday’s investment battle. Investors were scarred by the brutal collapse of the one-decision Nifty-Fifty stocks in 1973-74. Economic conditions were extremely poor during those years with inflation raging and interest rates soaring. These were the worst recessionary times since the Great Depression. Investors were in no mood to buy stocks – no return, no sizzle – at that time.

However, nothing had been more dazzling to the markets in the late 1970′s than the spectacular bull market in gold prices that climaxed at about $850 per ounce at the end of the decade. Indeed back in the late seventies up until the launch of the 1980′s super-bull market in stocks, gold dominated the minds of investors. Not only were gold prices and shares escalating at that time, but oil and oil service companies were on the march as well. This certainly compares in many ways with events in today’s gold and oil markets.

This dramatic 1970′s bull trend in gold was my initiation into the financial markets for the financially innocent 20-something I was then. But I found myself psychologically fighting yesterday’s investment battle soon after the stock market took off in 1982. Yes, I owned stocks, but I was still wondering when gold was going to recover, which by 1982 had collapsed in price to $300 per ounce after the speculative frenzy in per ounce prices broke.

Indeed, it is possible that gold prices and the stock market can move in the same direction. When the stock market took off in the early 1980′s, the gold market rallied from $300 – $500, and I somehow believed there was still hope for gold. However, as time passed, I realized the promise of equities and held stocks, and over time the psychology and mystique surrounding the gold market faded, that is until now, over twenty years later.

Where are we now in the scenario of transitioning leadership and bull markets? What market will be the most forceful on the upside in the coming few years? Well, the process began when the price of gold, oil, gold shares and oil shares in 2003 began escalating in a manner of building inflationary pressures after Federal Reserve Board monetary ease during the millennium recession. Gold and oil have more than doubled in price, and equities have risen with them in an unseemly liaison. In fact, they have risen so much (with gold now around $800 per ounce), oil, gold, oil shares, and gold shares may hit temporary resistance near or slightly above this level. See my article, Bulletin: October 24, 2007 – What Now on Gold?

However, the last four years of generally rising equity prices may be the limit to what we see in the stock market, as market-leading inflation plays (including traditional commodity inflation plays) hit resistance for now in front of the investment pack. In addition, the likelihood of a left-leaning President being elected next year may keep a lid on the general market.

That said, we may indeed have a short grace period in the time before the election of rising stock prices due to the very positive effect of recent Federal Reserve Board consecutive discount rate cuts. Growth stocks may do well in the near term, given a temporary cresting in inflation hedges. I believe the long-term inflation genie is in the hands of Federal Reserve Chairman Bernanke.

I have written about a building danger of underlying inflation in my article, Inflation and the Stock Market: Does Anyone Remember the Seventies? Gold, as an inflation hedge has already doubled in price. Nonetheless, the bull market in gold may continue for some time given that inflation still seems to be building and given that the 1970′s bull market in gold lasted ten years. Bear in mind that during the inflation of the 1970′s there were two waves of increasing prices for gold, punctuated by solid declines in between waves in that measure of prices and in the value of inflation hedges. We may now similarly be in a temporary topping of the first wave now around $850 per ounce. Whether the fever breaks for gold and other hedges and cools for a while remains to be seen. But as they say in Las Vegas, the cards have been dealt.

John Reizner was first exposed to financial markets when he started reading the stock quotes out of the newspaper to his businessman grandfather, who was legally blind, when he was about ten. Papa always told him: “Buy Triple A” (the best stocks). Later, John studied economics at both Vassar College and Columbia University, where he became intrigued by the link between psychology and economic theory. His current e-book, A Way to Wealth – the Art of Investing in Common Stocks, is available at his website,