How to Become a Successful First-Time Investor?

If you are one of the many first-home buyers who have been working hard over the ensuing years to pay down your mortgage as quick as you can, there is good news. With an increase in the value of your property, you now have access to a significant amount of equity sitting in your current home. This accessible equity can provide you with the perfect springboard to becoming a first-time investment property buyer.

So, if you are considering taking your first steps into the property investment market, you may find that you are:

>> Looking at the second property as "doubling your commitment" to servicing your ongoing debt, or

>> Unable to muster up enough courage to start the first move into an investment property market

Useful "Tips" for First-Time Investment Property Buyers

Don't worry if you worried about your financial situation. If you are serious about being financially independent by the time you retire and you have been considering investing in property for the first-time, here are some useful tips to help you become successful in obtaining investment property loans:

Find a Suitable Property - Have a clear idea of the type of property you want to buy and its location

How much you can Borrow - You will need to assess the amount of debt you can take on. You can use a suitable "Borrowing Power Calculator" to help you determine the amount you can borrow

Budget - You will need to establish a personal budget, which involves adding up all your income as well as working out all of your expenses. You can use a "Budget Planner Calculator" to help you determine the amount you can borrow

Rental Income - You will need to make sure the rental income you receive from your investment property will cover the total costs of your investment property

Tax Deductions - There is a range of property investment tax deductions you can claim. So, it is important you seek tax accounting and legal advice from your tax accountant and solicitor

Loan Purchase Costs - Buying your investment property does come with a range of costs. Some of the typical costs include loan establishment fees, conveyancing costs, stamp duty, and Lenders Mortgage Insurance (LMI) premium (i.e. payable if the total amount of your borrowings is more than 80% of the total security value of your properties)

Investment Loans and Options - The type of loan you obtain should depend on your individual situation and should reflect your investment goals. There are also numerous home loan options with a range of features and benefits to choose from.

Loan Pre-Approval - Before you go looking for your first investment property, you should arrange to get your loan pre-approved. Because, a pre-approved investment loan will give you the peace of mind and surety when you are bidding at an auction.

I hope these tips will guide you in obtaining a better investment loan deal and make you a successful first-time investor. If you are overwhelmed with the amount of work that you will have to do for making investment in a property, it is best to seek help and guidance from a professionally qualified finance broker.

Having a specialist finance broker on your side will save you lots of time and heartache because he/she will negotiate on your behalf with numerous lenders/credit providers and secure your eligibility for a first-time investment property loan. So, don't take tension of the loan process, employ a specialised finance broker and let him/her find the best investment property loan deal that suits your needs.

Quick approval, complete expert assistance and lower interest rates - Singh Finance's team of experienced finance brokers manage to provide you all these benefits with just a phone call on 0424 190 908. You can even enquire online for obtaining low rate first-time investment property loan or construction loan for your home.

Article Source: http://EzineArticles.com/8798210

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How to Buy Penny Stocks That Will Make You Big Profits

Penny Stocks are risky, but can be very profitable to the educated penny trader. Penny Stocks are naturally cheap yet there are the types who want to find the most cost effective and most undervalued penny stocks they can find to increase their investment a lot more. To cut for the chase, it's definitely better to look for the most undervalued penny stock rather then the cheapest. As a consequence, penny stock companies have to rely on heavy promotional campaigns to get the word out relating to stock. New developing companies which are on the leading edge of their industries become the new stock picks of successful traders. Penny stocks have a very deserved good name for fraudulent activity, and over the years a colorful vocabulary has developed to describe the various schemes. A small band of traders will quietly buy an outsized block of shares a good inactive stock investment. If you need to make some quickly using investment, then you can purchase penny stocks. If only more investors had these form of tools available in their mind then we would not see so many investment failures presently there. Don't worry, follow this advice and you will stay far-off from being an investing failure. Millions of dollars are lost each day by investors who really do not have a clue in terms of penny stocks investing. They just feel that if they quickly buy all the how new shares available they will will earn cash be successful investors. However, those who trade for between 10 dollars and 20 money is alternative penny stocks. Most investors know that when you take big chances you may end program bigger profits. These are the investors who trade within the penny stocks market by investing heavily. For instance, buying 100 stocks at cost of 20 dollars each will earn in excess of buying 1000 stocks for 0. For instance, gas and oil companies that specialize in acquiring and developing other companies have made their mark within the stock exchange markets by increasing their shareholder value. Doubling Stocks - Another alternative penny stocks trading could be the doubling stock strategy. This works developing buying a newsletter for less than 47 and awaiting a currency markets robot for you one stock choice every week. This stock has higher possibilities of doubling in less than half 1 hour after trading starts available in the market.

If you are looking to take on penny shares then there's 1 book that i like to recommend with is known as Penny Stock Egghead. The author Nathan Gold has place this with each other off the back again of his success and knowledge of penny stocks. You are able to study my Penny Stock Egghead review at pennystockegghead2012.com

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How to Achieve The Best Results from Alternative Investments

In This month's Investment News we try to understand the risks involved with Alternative investments, which are becoming ever more popular due to the current traditional investment markets downturn. Alternative investments are never safe because of the fact that many of them are simply not backed securities. They normally do not fluctuate according to the market that makes them separate from the traditional investments. It is a fact that alternative investments are giving much higher rates of return and is directly proportional to risk too.  With proper strategy alternative investments be very lucrative . If the investment is by an individual or some unknown company the risk factor is always there however with proper strategy and understanding of the pros and cons, alternative investments can be very beneficial. The benefits of alternative investments include reduced volatility, low correlation with other investments and in some cases more liquidity, many are short term, high yield and offer a very low entry level sometime as low as just one thousand pound. There are some institutional investors that do understand the potential of alternative investments and allocate some percentage of their portfolio to alternative investments so as to increase the profit ratio. In comparison to the traditional market that moves with the economy, alternative investments can be controlled with proper initiatives and steps taken at the right time. All that is required is to keep a watch on the investment whether it is a long term investment or a short one. SIPP approved alternative investments are different as they have been looked over and approved by the HMRC as a good investment, so good in fact that they are fully approved for transfer of any pension funds that you may have earning very little is a standard pension fund. The London Stock Exchange is supposed to be playing a vital role in the promotion of alternative investments. Due to the tax advantages and less regulatory issues that AIM (Alternative Investments Market) provides, alternative investments have been a major attraction to small and large investors. Especially for the sake of small investors alternative investment market is a good investment opportunity as it allows the investors to issue shares in the market regardless of the number of the shares. Further, in the past few years some companies from the main market have moved to AIM from the main market as it does not come under the stock exchange regulatory authority, and thus helping these companies grow. AIM has proved to be a good investment platform for all the individuals with good knowledge of risk management requirements or with strong internal controls. In short one of the most popular promoters of alternative investments is an alternative investment market. It should be kept in mind that past results is not applicable to alternative investments as they are not related to the main market. Their risk factor tends to generate good returns for the investors. There are some examples of alternative investments such as managed funds, hedged funds, real estate etc. There are experts available worldwide who has experience in alternative investments and can guide the investor about the pros and cons of a particular investment. Good investments require thorough knowledge of the investment idea and with proper steps taken they can be beneficial. Everyone being an individual or any qualified eligible person having risk management capabilities or proper management can deal with alternative investments. It is not important that a good investment will prove good for you too; therefore homework must be done before taking any alternative investment plan, plus keeping an eye on investments news provided via impartial websites will give you piece of mind in the fact that if your investment in listed on these websites it is far less likely to be a scam. Finally, With any investment be it traditional or alternative if it sounds too good to be true then it usually is, a fine example is the Minha Casa Minha Vida ( my house my life) social housing scheme in Brazil, this is a government scheme so fully backed by UK and Brazil banks, It is a short term ethical investment that can see you earn 20% ROI ( return on investment) in under 12 months, sale price of Minha Casa Minha Vida units is set by the government so deciding to skip at the all companies offering to between 15% and 20% and choosing a company offering 60%+ ROI will simply see you losing all your investment, so take care and happy investing.

RJL Invest are a specialist investment company specialising in Alternative Investments and other SIPP Approved UK Investments. visit Invest in Brazil for more investment opportunities

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Regular Savings - Essential Investors Guide

A regular savings plan is the best way for any individual to invest their cash in a way that will maximize the amount of interest paid, whilst also minimizing the amount of tax that the saver has to pay each month. Generally they are added to over a set time of 10 years, with many financial institutions providing bonuses for those that regularly add more cash to their account. How to open a regular saving account A regular savings account is just like any other type of investment account, in that all a person needs to do is approach any of the banks, building societies or other financial organisations that offer them. The best possible way to decide on which type of account to open is to look at not only the interest rate paid, but to also examine the amount of bonuses the specific institution will pay to its regular investors. Nearly all of the accounts will have a tax free allowance of £25 per month, with anything over being taxed by the Government depending on your tax bracket - meaning that this issue does not need considering by the consumer. There are no real restrictions regarding who can open a regular savings plan, although many places often have a minimum and maximum age limit, with 16-55 being the most popular. Although it is partially tax free, it also will not affect the standing of any Individual Savings Accounts or ISAs that the customer already has. Paying money in to a regular saving account With most regular saving plans there is a minimum amount to be invested per month, although this is usually only around £15. Although this is only a small amount, failure to pay it will have significant impacts on the amount of bonuses the account may receive. While there is a minimum, there is no maximum amount that can be paid in per month, although only the first £25 will be tax free. The advantages of a regular saving account The main advantage of this type of savings and investments is that there is a guaranteed lump sum payable at the time at which the account matures, which is set when the account is created. This provides the insurance that should the institution invest the money poorly, it will not be lost - meaning that there is virtually no risk associated with this type of account. Another advantage is when saving for children, child savings accounts can provide an excellent kick start to their adult life. If a parent starts saving just £40 per month for ten years, they can expect a minimum return of £5,220, with most actually coming in at more than that. Aside from Government sponsored schemes, there is no more effective way that a parent can save for their child.

If you are interested in reading more information about regular savings and investment plans then please visit the following links: Scottish Friendly - mutual societies such as Scottish Friendly supply financial services products.

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What are Binary Options

What are Binary Options? Binary options trading have become very popular amongst traders. Binary options allows the purchase of an asset where the buyer has the opportunity to gain a fixed payoff (almost double his investment) just by successfully predicting if the price will go up or down. The use of binary options trading will permit an investor to have the chance to gain a great amount of returns in a short period of time. Binary can be considered as an event with two possible outcomes: one being ‘yes’ the other being ‘no’ meaning the outcome was not as predicted.   The Meaning of Binary Options Trading The actual word binary means involving two, therefore for binary options trading refers to the two possibilities. If a trader invests a fixed amount on a binary option; if that option is successful the trader will receive back a fixed amount in profit, if the option is unsuccessful the trader will lose his invested amount, consequently making binary option investing a simple with direct process investment product. Call and Put Options A call option stands for the buy of the binary options at a predetermined price by a predetermined date (the expiry). The buyer of a call can buy asset at the specific price until expiry. If the buyer believes that the price of the asset is going to be higher than the price at the shutting time of maturity then the best choice is to place a call option. On the other hand, if a call options means you can buy, then a put is the option to sell the asset at a predetermined strike price until a fixed expiry date. The put option buyer can sell assets at the strike price, and if he chooses to sell, the put writer has to buy at that specific price. If the buyer believes that the price will go lower, the obvious choice would be to place a "put" option. For Example A trader chooses to invest in crude oil stocks. He buys 150 shares and he has to forecast if the price will go higher or lower at the expiry date. In addition to that he has the chance to pick the expiry time. At the moment, it would be logical to be watching the current strike price. If the selling price, or the price at maturity costs $50 per option and the trader wishes to buy 20 options at $100 each, thinking the price is going to be over $50 when the option reaches maturity. In this case, the trader will receive the agreed upon percentage of return. If the return is 82%, he will receive $182 per option x20 giving a total of $3,640 therefore the trader made $1,640 profit. If the price ends up above strike price the trader will lose his total initial investment. How to start trading Binary Options It would be advised to go online and search binary options brokers that are highly recommended by other traders as well as find reviews that are details and compare brokers between them in order to find the one that better meets your needs and fits the criteria of a good binary options broker. A good recommendation would be HY Binary options as it offers traders the following benefits: • 35 years of operational history • Binary Accounts starting with only US$250 + Free demo accounts • Up to 50% bonus • FCA regulated broker • 82% Return • Complete product offering

Join HY Binary Options Today!http://bit.ly/1oGeVyh

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Buying Gold Vs Savings Account

There are many different ways that you can choose to invest in your future. The most popular method that people use is by putting money into savings accounts. The question is, ‘is it really worth it?’. I would put it in contrast with the world’s most superior currency – ‘Gold’. Savings accounts have been around since the first banks were open, and gold has been a commodity that has been high in worth for thousands of years. So how do you know which choice is the safer and more profitable investment to make for your financial needs? The answer is going to be gold.  The problem with a savings account is that when you put your money in there, it is just sitting and not growing much. The interest rates that banks are offering are pathetic. Since the banks are not loaning money out to people, so they aren't making any money. And we know when the banks aren't making any money off of your money then they aren't going to give you any in return. Although purchasing gold isn't going to give you instantly high turn around price to sell it at, it is a steady investment that is going to continue to grow. Gold worth’s more than the dollar itself and this is another reason why it is a better investment. Over the duration of time that you own your gold, it is going to steadily grow and retain its value. People choose gold over anything else because they don't have to monitor it in order for it to perform. You don't have to sell gold when the inflation is high, and then dump it if inflation goes down like stocks. In fact, when inflation occurs gold hedges your investment against inflation; since, it is usually the first to gain in price. Furthermore, it is an easy way to maintain stress-free investment that provides the investor with the safety of money and in most cases promises bigger money than the invested money. Gold is an imperishable investment that is only going to grow higher in demand as time goes on, since there is only as much gold for the whole world. And that is why so many investors are choosing to fill their portfolios with it. The money in your saving account is going to be safe, but with the current interest rates it isn't going to be much beneficial for you. To take that money that you have in your savings account and then invest it in gold would be the much better option for you and your family. Starting to save correctly today is going to give you a much brighter future, and you are going to be able to plan your life a lot better. There are also going to be uses for gold in the things that we need, so you are always going to be able to get your return if you had too. You can also visit my website and find out more on how gold can help you achieve your financial goals.

I am a Network Marketing Professional. I have firm belief that Network Marketing is one of the most powerful form of business that man has ever discovered. You can learn more about this gold program at Gold Business Plan You can also visit this fast money making opportunity at Golden Business Opportunity

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Long Term Debt Problems

The definition of long term debt from an accounting perspective, is any amount outstanding for more than one year. Applying this definition then - and adding the term "problems" means we are looking at a situation where you, or your business, is unable to repay a debt for a period greater than twelve months. Usually by this time, if private arrangements haven't been made with your creditors, the debt will have either been passed to a debt collection agency or the creditor will be pursuing you through the civil courts. If your financial situation has deteriorated and you have multiple debts of this kind, you're probably trying to deal with a barrage of disturbing phone calls and letters or at worst, the sherriff coming to enforce a court judgement against you. The latter is more likely in the case where your creditor has elected to pursue the matter themselves rather than pass it to a debt collection agency. These agencies purchase the rights to the debt for a fraction of its original amount - this is how they make their money, by collecting the full amount if they can. It is also the reason why occasionally, you may receive a "special discount settlement offer" from them, if you pay within a specified time frame. If they have purchased the debt for 20 percent of its value and can get back even just 60 percent, they are still profitable and don't need to waste further time and money pursuing you. Any outstanding long term debt problems have an expiration date, after which, no one can enforce a judgement against you. By statute law, the period is usually seven years. But here's the thing - this seven year period is calculated from the last date you acknowledged the debt in any way, either by making a repayment of any kind, however small, or by correspondence. For this reason, as the seven year statute of limitations approaches, you may find that debt collection agencies begin to pursue you more vigorously - even possibly sweetening the deal by very generous discount offers. This may work in your favour if you are inclined to repay the debt. Alternatively, they may increase their intimidation tactics, even proposing to send their representatives to visit you at your home or business premises. However, you have the right to not feel threatened and should waste no time letting them know this. The law is on your side here. They are running a business and don't need their reputation tarnished by police action so they will back down. If they wish to get serious, the courts are the place to do this. The debt collectors will continue to remind you however - "this is not going away". So for long term debt problems, what are your alternatives? You could elect bankruptcy. Although this will allow you a clean fresh start with no more debt problems, it will still affect your credit report for the next seven years from the date of bankruptcy. After enduring long term debt problems this far, do you really want to wait another seven years until you're able to easily get loans, store credit etc? One of the most effective strategies available today, is to use the services of a reputable financial advocate. These professionals become the mediators between you and your creditors or debt collectors. They know the law and are skilled in the art of negotiation with debt collectors and the like. More often than not, you will find that they can have your overall long term debt vastly reduced, even cancelled. Not only that, but as part of the process, they will also ensure that any bad entries on your credit history report are also expunged. Imagine how relieved you might feel, if after years of enduring your long term debt problem hanging over your head, you are able to walk away with not only the obligation to repay a fraction of the original amount, if anything, but have a nice clean credit history to go along with it? You can start living your life again and looking forward to the future!

Miriam is an Australian specialist consultant who provides credit repair information to people in debt and has assisted hundreds of people who need help with debt problems.

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5 Smart Strategies to Eliminate Your Credit Card Debt

The excitement of making just the minimum payment on your credit card balance only lasts a while. Millions of Brits, who carry a balance, discover the danger of minimum payments after they feel the sting of the accompanying rotating charge. According the latest statistics, the average UK household owes £6,020 in debt. Such a debt would take 291 months to pay off and cost £8,453.00 in interest if you paid only the minimum payment. Even if you had a legitimate reason for accumulating high-interest debt, your top priority must be to pay it off. Start with a solid debt reduction plan and stick with it until you're debt free. Here are five strategies for eliminating credit card debt. Target one card at a time If you owe money on multiple cards, it will take a while to wipe out all the debt. It's hard to see the horizon and stay motivated when you have years of credit card payments ahead of you. Give yourself a boost by paying off one card. Target the card with the lowest balance and put as much money into your payments as you can afford until you've cleared the balance. Alternatively, you can target the card with the highest utilization rate (your balance/card's limit) and pay it off. Clearing the balance will give your spirits and your credit score an instant boost since credit utilization directly impacts your score. Negotiate a lower interest rate with your creditors Although lenders are usually reluctant to negotiate reduced interest rates, it's still worth a try. If you have a decent credit score and have been responsible with your payments and card use, the lender might consider your request. Reducing your interest by one or two percentage points can lead to hundreds of pounds saved every year. Compare rates and get offers from competing lenders to bring to the negotiation. Your lender might the willing to match the offer. Take note: Your creditor will need to review your credit report before they make a decision, and they could reduce your card's credit limit if they don't like what they see. Transfer your balance A growing number of consumers are surfing their credit card balances from one card to another in order to get the best interest rates. While that could potentially lead to hundreds of pounds in savings, there are risks involved if you don't plan ahead. Balance transfers are only effective if you commit to repaying the transferred balance within the introductory low rate period. That will give you 12-30 months, depending on the card. After that, the rates will go up, and you'll be forced, once again, to pay high interest rates. Important: Balance transfer cards should only be used for paying off debt, not making new purchases. So don't use the card for shopping, as the low interest rates may not apply to new purchases. Also, most lenders charge a balance transfer fee, so factor that into your costs when you're comparing cards. Get a loan If you're falling under the burden of high interest rates, consider borrowing money to pay off your cards. Your friends and family may be willing to help. But if not, banks and peer-to-peer lenders offer loans with fixed interest rates that are 20-30 times lower than credit cards. That means you could save hundreds in interest on your debt. If you have excellent credit and a stable salary, you could qualify for loans with competitive interest rates. Pay the minimum If you're cash strapped, you can always pay the minimum, but try to make two minimum payments within the month. Interest is accrued on a daily basis, so earlier payments will reduce your average daily balance and your interest charges. Keep up with the minimum payments twice a month until your debt is paid off. Spiraling interest rates make it a challenge to pay off debt. Ideally, you should not incur it in the first place, but life is all about learning from your mistakes. The tried-and-true methods listed above should help you to develop your battle plan for tackling your debt. Remember, the most valuable instrument in this battle is your commitment to your financial goals.

Laura Ginn understands that there are differences between reward credit cards and balance transfer credit cards. To learn more about credit cards check out the free information provided by uSwitch.com.

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Analyzing the Terms and Conditions for a Mortgages Comparison

When analyzing the terms and conditions for a mortgages comparison, there are always a few factors you'll want to keep in mind. Many people look at mortgages as a necessary evil on the path to owning their dream home. When confronted with a lengthy "Terms of Service" document before signing on that ever-important dotted line, many people don't bother to read it. Analyzing the terms and conditions properly before the mortgage goes into effect can be a valuable negotiating tactic. If you want to change or talk about any conditions you may find unsatisfactory or predatory, you need to do so before you put your signature on the piece of paper that will ultimately control your financial future for decades to come. One type of mortgage that is very popular in the United Kingdom is called an "interest only" mortgage. It operates very differently from traditional mortgages, especially those in use in the United States and other areas. With a traditional mortgage, the borrower is making monthly payments that go towards both the original principal amount borrowed and interest that has accrued since the last payment. Depending on the terms and conditions, interest could be accruing as frequently as once per day. When the borrower submits their payment for the month, a portion goes to reducing the principal while the remainder goes towards interest. If the interest is compounded, it is being added to the principal on a regular basis and itself begins to earn interest with each passing month. In an "interest only" mortgage, the original principal of the loan agreement is not being repaid for the duration of the term. Instead, the borrower is making minimum monthly payments that go towards an investment account. When the account contains a specified amount of money and reaches maturity, the money is then used to pay off the principal. In the United Kingdom, these terms and conditions are frequently associated with traditional investment plans. These types of arrangements are also commonly referred to as an "investment backed mortgage." Changes to regulations in the UK have tightened the requirements for these types of agreements in recent years due in large part to the financial crisis across the world that began in 2007 and 2008. When reviewing the terms and conditions of a mortgage agreement, you will discover three different ways in which the property in question is valued. These are the appraised value, the estimated value and the actual value. A licensed professional obtains the appraised value during a visit to the property. The condition of the home is taken into consideration, as are any code violations and other financial stipulations that may be relevant. The actual value is also referred to as the transactional value and describes the purchase price of the property. The estimated value is often obtained in areas where no appraisal can be performed. It is very similar to the appraised value in that it takes into consideration any repairs that may need to be made to the home as well as other financial burdens the homeowner may have. Depending on the financial institution and your credit rating, you may be required to purchase mortgage insurance at the time you sign your original agreement. Unlike other types of insurance, mortgage insurance isn't actually designed to protect the policyholder in the event of an emergency. Instead, it is designed to protect the lender in the event that the borrower may default on the loan. Mortgage insurance is typically added into the monthly payment amount along with interest, closing costs and other elements. It is possible to stop paying mortgage insurance after a period of time by refinancing. The money paid by the insurance policy goes towards paying off the original loan in the event of a default.

Kevin Campbell knows that the quickest way to find the best deal on a mortgage is to perform a mortgage comparison online. Visit uswitch.com/mortgages/comparison/ and discover how to compare mortgages in order to get the best possible deal.

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