Four medium-sized city gas listed companies remain relatively strong gas sales volume, facing regulatory and protection framework has not changed, have allowed their virtual regional monopoly. R & I and the evaluation point is essentially the same, has affirmed the ratings of these companies. Rating outlook is stable.
Although the "energy" consciousness has remained since 2011 to some extent exacerbated the Great East Japan Earthquake, the relative importance of natural gas has been increasing. Such favorable factors, supported by growth in demand for natural gas is expected in the medium to long term.
Nevertheless, the institutional framework for the natural gas business, will most likely be examined, culminating in Japan's energy policy and the electricity business systems given the expected change. How to review progress in the gas business system will need attention. With the liquefied natural gas (LNG) prices, procurement of raw materials at lower costs has become increasingly important. In such cases, this four companies are a relatively heavy financial burden, due to new and additional LNG terminal and pipeline construction. To recover the investment, it is necessary to cultivate a large number of requirements.
Western Gas Co., Ltd. is Japan's sixth largest city gas company's gas sales ranked fourth, behind the three leading city gas company's customer number and length of the pipe. It is mainly in the northern Kyushu region's major cities such as Fukuoka, Kitakyushu, Nagasaki, Sasebo, Kumamoto. With its geographically dispersed services, sales efficiency is slightly lower, the cost is relatively high. The percentage of profitable domestic gas.
Friday, May 31, 2013
Web Calculator finally made public the true cost of investment fund size - but always the best cheapest you?
A simple tool for the totting investment cost is now: true and fair view of the calculator, the introduction of more transparent fund fees activist.
Calculator to expose criticism, leaving a significant part of the cost of the planned measures - is widely considered to be too high for investors - the true size of the investment costs.
Our idea is that if these are known as pre-, people can at least put money into products with their eyes wide open. And expects that they will 'vote with their feet', if they encounter poor performance of the high cost of the product.
Reduced returns: Calculator focus face costs, installation for many years, and can leave a big hole in the savings pot
Reduced returns: Calculator focus face costs, installation for many years, and can leave a big hole in the savings pot
Calculator focus face costs. Though often only a small percentage of these figures over the years installed on your savings pot, you can leave a big hole.
But cost is not the only criteria when it comes to choose to invest. Cheap is not always best - it is the overall value for the money too much. (Although the price is cheap, sometimes the best - see box).
CHEAP can best
Scottish Mortgage Investment Trust 300% in the past decade, 40 percent more than five years, more than three years of 57% and 39% over one year
This is an ongoing fee is just 0.5%.
Here we take a look at the true and fair view of the calculator is how it works.
We also asked some people in the industry that they think it is and what factors aside from the cost of the person, should be considered when selecting investments.
How true and fair calculator work?
The total project cost calculator for your investment products, and came back with a single number, either pounds or percentage.
It gives you what the potential returns may be estimated by subtracting costs.
You can compare up to three different products side by side, and they do not have to be the same type. For example, you can watch one unit trusts, investment trusts and exchange-traded fund (ETF) at once. In the UK about 6,227 products are included.
The calculator has two levels - "Standard" and "Advanced Customization." More advanced version is for experienced investors and professional users can input data, at all levels of the investment chain: capital costs, packaging costs, platform fees and consultancy fees.
Hargreaves Events Guide
It is modeled launched a few years ago by the U.S. Securities and Exchange Commission regulators, the Commission hopes that the U.S. investors have seen their pay on their investment in a simple web calculator.
Gina and investment management SCM private companies, who also led calls for a transparent fund charges a true and fair movement's founder Alan Miller, UK.
Them into their own money to the project, as costing nearly £ 200,000 - double their original estimate.
Calculator will serve as an independent not-for-profit business to run, and any profits will support small financial education or elderly care and support charity work.
Miller calculator further development, for example by looking products, such as adding in a future defined contribution pension scheme.
Gina and Alan Miller: own money nearly £ 200,000 to the project sank, which will serve as an independent not-for-profit business run
Gina and Alan Miller: own money nearly £ 200,000 to the project sank, which will serve as an independent not-for-profit business run
Industry say what?
"Simple calculator is a clean and simple way to invest relatively certain fees, financial advisers, said:" Philippa Gee of Philippa Gee Wealth Management. "I can not see that it is harmful, indeed should help to focus the attention of investors to the cost, which has a positive impact.
'Where is insufficient investment in considering other appropriate criteria, such as a fund's objectives, performance, volatility, distribution, experience and the size of funds (which itself can affect the charge), because these are the key points.
"So this is a good tool to help you choose the consultant may, taking into account the different costs, how it all adds up effects.
"Personally, we do, for our customers, because our breakdown of each cost element, making it as transparent as possible.
However, the site does not make himself into a complete comparison sites, focusing on the charges, which is admirable is clear.
"Provides investors know that this is just one of the factors to consider, then there is no doubt beneficial."
Funds and games: Users can compare three funds, look through the toll they can expect to lose a total cash and percentage values.
Funds and games: Users can compare three funds, look through the toll they can expect to lose a total cash and percentage values.
Fund management industry bodies Investment Management Association is planning to give investors time to do a single simple number in pounds and pence its cost.
Hope agreed by the end of 2013 at the latest methods, although it may take another year, the fund companies began to do their own numbers.
Following the launch of a true and fair calculator, boss Daniel Godfrey said: "IMA believes that it is important to provide consumers with a simple message, they can understand, so that they have a comprehensive view of costs.
This is what we propose, historical single all-inclusive pounds and pence figure along the actual performance. We believe that the actual use of historical data is a better way to make a better understanding. "
He added: "I think it is important for people to know what the costs are, but equally important is that people do not just look at the cost, but the value of the cost is only one factor, which is a very important factor, but it not the only factor. "
Godfrey said, if you look back, you can evaluate the cost relative performance - what a great view of the absolute amount of funds made with respect to objectives and relative to competitors.
This can help investors decide if active funds is likely to increase the value of the top track, where a fund manager's skill will overcome their high transaction costs.
Calculator to expose criticism, leaving a significant part of the cost of the planned measures - is widely considered to be too high for investors - the true size of the investment costs.
Our idea is that if these are known as pre-, people can at least put money into products with their eyes wide open. And expects that they will 'vote with their feet', if they encounter poor performance of the high cost of the product.
Reduced returns: Calculator focus face costs, installation for many years, and can leave a big hole in the savings pot
Reduced returns: Calculator focus face costs, installation for many years, and can leave a big hole in the savings pot
Calculator focus face costs. Though often only a small percentage of these figures over the years installed on your savings pot, you can leave a big hole.
But cost is not the only criteria when it comes to choose to invest. Cheap is not always best - it is the overall value for the money too much. (Although the price is cheap, sometimes the best - see box).
CHEAP can best
Scottish Mortgage Investment Trust 300% in the past decade, 40 percent more than five years, more than three years of 57% and 39% over one year
This is an ongoing fee is just 0.5%.
Here we take a look at the true and fair view of the calculator is how it works.
We also asked some people in the industry that they think it is and what factors aside from the cost of the person, should be considered when selecting investments.
How true and fair calculator work?
The total project cost calculator for your investment products, and came back with a single number, either pounds or percentage.
It gives you what the potential returns may be estimated by subtracting costs.
You can compare up to three different products side by side, and they do not have to be the same type. For example, you can watch one unit trusts, investment trusts and exchange-traded fund (ETF) at once. In the UK about 6,227 products are included.
The calculator has two levels - "Standard" and "Advanced Customization." More advanced version is for experienced investors and professional users can input data, at all levels of the investment chain: capital costs, packaging costs, platform fees and consultancy fees.
Hargreaves Events Guide
It is modeled launched a few years ago by the U.S. Securities and Exchange Commission regulators, the Commission hopes that the U.S. investors have seen their pay on their investment in a simple web calculator.
Gina and investment management SCM private companies, who also led calls for a transparent fund charges a true and fair movement's founder Alan Miller, UK.
Them into their own money to the project, as costing nearly £ 200,000 - double their original estimate.
Calculator will serve as an independent not-for-profit business to run, and any profits will support small financial education or elderly care and support charity work.
Miller calculator further development, for example by looking products, such as adding in a future defined contribution pension scheme.
Gina and Alan Miller: own money nearly £ 200,000 to the project sank, which will serve as an independent not-for-profit business run
Gina and Alan Miller: own money nearly £ 200,000 to the project sank, which will serve as an independent not-for-profit business run
Industry say what?
"Simple calculator is a clean and simple way to invest relatively certain fees, financial advisers, said:" Philippa Gee of Philippa Gee Wealth Management. "I can not see that it is harmful, indeed should help to focus the attention of investors to the cost, which has a positive impact.
'Where is insufficient investment in considering other appropriate criteria, such as a fund's objectives, performance, volatility, distribution, experience and the size of funds (which itself can affect the charge), because these are the key points.
"So this is a good tool to help you choose the consultant may, taking into account the different costs, how it all adds up effects.
"Personally, we do, for our customers, because our breakdown of each cost element, making it as transparent as possible.
However, the site does not make himself into a complete comparison sites, focusing on the charges, which is admirable is clear.
"Provides investors know that this is just one of the factors to consider, then there is no doubt beneficial."
Funds and games: Users can compare three funds, look through the toll they can expect to lose a total cash and percentage values.
Funds and games: Users can compare three funds, look through the toll they can expect to lose a total cash and percentage values.
Fund management industry bodies Investment Management Association is planning to give investors time to do a single simple number in pounds and pence its cost.
Hope agreed by the end of 2013 at the latest methods, although it may take another year, the fund companies began to do their own numbers.
Following the launch of a true and fair calculator, boss Daniel Godfrey said: "IMA believes that it is important to provide consumers with a simple message, they can understand, so that they have a comprehensive view of costs.
This is what we propose, historical single all-inclusive pounds and pence figure along the actual performance. We believe that the actual use of historical data is a better way to make a better understanding. "
He added: "I think it is important for people to know what the costs are, but equally important is that people do not just look at the cost, but the value of the cost is only one factor, which is a very important factor, but it not the only factor. "
Godfrey said, if you look back, you can evaluate the cost relative performance - what a great view of the absolute amount of funds made with respect to objectives and relative to competitors.
This can help investors decide if active funds is likely to increase the value of the top track, where a fund manager's skill will overcome their high transaction costs.
SEBI requires Sahara investors to investment information
Speed up the refund process in a high-profile case of the Sahara, the market regulator SEBI today asked two Sahara's "genuine investors to provide their personal and investment details, take back the money directly into their bank accounts.
A bank account is a must to get a refund and those without it had asked Sebi plans to open a bank account. The money will be refunded after verification investors and claims that the documents submitted will have to make refund purposes format designed by the SEBI, the regulator said in a statement.
"According to the Supreme Court order dated May 8, 2013, India's Securities and Exchange Commission (Securities and Exchange Board of India) has started the refund process, who are the real investors have been / will be submitted to their required format , after verifying the authenticity of documents, SEBI said. "
Cases involving refunds of 'illegal' two Sahara companies, Sahara India Real Estate Corporation (SIRECL) and Sahara Housing Investment Corporation (SHCIL), the amount of certain bonds issued to raise estimated at more than 24,000 crore.
The Supreme Court requested Sebi to facilitate the refund verify their credentials, two company's real investors.
Saharas require the court with Sebi they bring money into the whole, so that the regulator can make the repayment to investors. However, Saharas claims to have returned more than 20,000 crore, direct investors and total outstanding liabilities on the refund process far less than 5,120 crore deposited with SEBI.
Although the court is still determined by the Saharas manufacturer claims, it requires Sebi May 8 so far kept to the real investors' money refunded. Regulators said, as long as there are multiple deposits genuine investors, they said it would remain until the Supreme Court's further instructions.
From their investors to seek a refund application form for more information, including name, address, account number the Sahara, number of bonds, the amount of investment and investment (cash, check or money order). Investors are also required to provide their own photographs, proof of identity, proof of address, bank account details and the original bond certificate.
The bondholders also be required to provide a bank certificate prescribed format, to the electronic transfer of funds to their account details. "Please note that the refund amount will be deposited directly into your bank account the circumstances described in the certificate holder does not have a bank account, they are advised to open a bank account and obtain a certificate of receipt of refund amount," SEBI said.
Investors are also required to provide relevant supporting documents, if they have been to their address or any change in marital status, because of its investment in time.
In addition, SEBI said will be deducted at source, income tax, where applicable, unless received the required forms, claim exemption from deduction of tax sources in accordance with the Income Tax Act apply for a refund, "the relevant provisions.
In addition, Pan forces claiming exemption from tax deduction at source.
SEBI is already verified that they have produced a huge cost, including the initial cost of about 5.6 billion rupees for storage, scanning and payment systems, the task is to promote mountain of Rs 24,000 - crore rebate two Sahara companies Bondholders credentials Sahara clear bill.
The regulator has signed the Joint Holding Company India (SHCIL) the investor's file storage, digitization and scanning work, and build a database.
This contract alone was worth 2.597 billion rupees. In addition, there are 2.988 billion rupees contract to UTI infrastructure, technology and services, redemption-related activities, in this case, the relevant work.
The Supreme Court also appointed a retired judge to oversee the matter in addition to a monthly salary of 50,000 rupees travel, accommodation and other expenses, all of which are assumed by the SEBI recoverable Sahara.
Sahara Group claims that it has repaid the vast majority of investors and total liabilities to repay bondholders will be far less than the 5,120 crore to Sebi on the refund process.
Sahara after the company was informed by the Supreme Court to hand over documents to SEBI investors, regulators, is headquartered in Mumbai, more than 31,000 boxes of papers, the group sent 128 trucks. Looking impossible to store them in any office, SEBI decided to let them in a warehouse SHCIL Engineering Co., Ltd., a subsidiary of SHCIL.
To August 31, the Supreme Court allowed Sebi to engage in surveys, other experts and investors refund process validation and support staff. The Court also ruled that all of these costs will Saharan bear and pay to Sebi.
A bank account is a must to get a refund and those without it had asked Sebi plans to open a bank account. The money will be refunded after verification investors and claims that the documents submitted will have to make refund purposes format designed by the SEBI, the regulator said in a statement.
"According to the Supreme Court order dated May 8, 2013, India's Securities and Exchange Commission (Securities and Exchange Board of India) has started the refund process, who are the real investors have been / will be submitted to their required format , after verifying the authenticity of documents, SEBI said. "
Cases involving refunds of 'illegal' two Sahara companies, Sahara India Real Estate Corporation (SIRECL) and Sahara Housing Investment Corporation (SHCIL), the amount of certain bonds issued to raise estimated at more than 24,000 crore.
The Supreme Court requested Sebi to facilitate the refund verify their credentials, two company's real investors.
Saharas require the court with Sebi they bring money into the whole, so that the regulator can make the repayment to investors. However, Saharas claims to have returned more than 20,000 crore, direct investors and total outstanding liabilities on the refund process far less than 5,120 crore deposited with SEBI.
Although the court is still determined by the Saharas manufacturer claims, it requires Sebi May 8 so far kept to the real investors' money refunded. Regulators said, as long as there are multiple deposits genuine investors, they said it would remain until the Supreme Court's further instructions.
From their investors to seek a refund application form for more information, including name, address, account number the Sahara, number of bonds, the amount of investment and investment (cash, check or money order). Investors are also required to provide their own photographs, proof of identity, proof of address, bank account details and the original bond certificate.
The bondholders also be required to provide a bank certificate prescribed format, to the electronic transfer of funds to their account details. "Please note that the refund amount will be deposited directly into your bank account the circumstances described in the certificate holder does not have a bank account, they are advised to open a bank account and obtain a certificate of receipt of refund amount," SEBI said.
Investors are also required to provide relevant supporting documents, if they have been to their address or any change in marital status, because of its investment in time.
In addition, SEBI said will be deducted at source, income tax, where applicable, unless received the required forms, claim exemption from deduction of tax sources in accordance with the Income Tax Act apply for a refund, "the relevant provisions.
In addition, Pan forces claiming exemption from tax deduction at source.
SEBI is already verified that they have produced a huge cost, including the initial cost of about 5.6 billion rupees for storage, scanning and payment systems, the task is to promote mountain of Rs 24,000 - crore rebate two Sahara companies Bondholders credentials Sahara clear bill.
The regulator has signed the Joint Holding Company India (SHCIL) the investor's file storage, digitization and scanning work, and build a database.
This contract alone was worth 2.597 billion rupees. In addition, there are 2.988 billion rupees contract to UTI infrastructure, technology and services, redemption-related activities, in this case, the relevant work.
The Supreme Court also appointed a retired judge to oversee the matter in addition to a monthly salary of 50,000 rupees travel, accommodation and other expenses, all of which are assumed by the SEBI recoverable Sahara.
Sahara Group claims that it has repaid the vast majority of investors and total liabilities to repay bondholders will be far less than the 5,120 crore to Sebi on the refund process.
Sahara after the company was informed by the Supreme Court to hand over documents to SEBI investors, regulators, is headquartered in Mumbai, more than 31,000 boxes of papers, the group sent 128 trucks. Looking impossible to store them in any office, SEBI decided to let them in a warehouse SHCIL Engineering Co., Ltd., a subsidiary of SHCIL.
To August 31, the Supreme Court allowed Sebi to engage in surveys, other experts and investors refund process validation and support staff. The Court also ruled that all of these costs will Saharan bear and pay to Sebi.
Thursday, November 1, 2012
Want to Make More Money in the Market?
I often hear traders tell me how they lose: they increase their expectations from, say 8% to 15% as the trade starts heading their way. They analyze trades and see a preponderance in higher returns, some well over 50% some days. "Why can't I have some of that action?", they ask.
Seems like a logical question. But the reality is that very few traders actually take massive run ups with a huge gain on the one day. If you bought in at the low of the day or sold at the high, you likely struck it lucky. If you got both the low and the high of the day, congratulations on being one very fortunate trader! Don't count on it happening again. Therefore, do not think you are good; you simply got lucky. Big difference.
The danger in getting lucky is that traders tend to think it can easily be replicated. Trying it again proves futile and they end up losing. It's important to recognize the difference between intelligent, well calculated trading and getting lucky.
The secret to making more money is to take a small piece of the action in the direction of the move. By taking smaller chunks along the way, you spread out the risk and exponentially increase your chances for long term wealth. It is much easier to reach 8% than a 15% gain. You may also score 10 times for a 5% profit than once shooting for a 50% target. In trying to obtain those huge returns, you run the risk of the stock turning against you.
Maintain that respectable but reasonable percentage in all your trades. If you trade trends, in all likelihood, the trend has already been established and there may not even be much left in the trade.
Everyone would like to make more money. Fair enough. The best way is to keep your percentages the same - maybe even lower them - but trade more contracts. If you make 8% on $1,000, that's $80. A gain of 8% on $10,000 is $800. But if you're trading $10,000 and are satisfied with earning $500 that day, just aim for 5%. It's much easier and faster to reach. Earning $500 a day is $125,000 a year if you trade once a day. That's well over twice the average wage earner in the United States.
Want more money? Trade more contracts.
Trader Hugh is a successful, full time options trader and trainer on the NYSE. Learn but one strategy well and you could make an excellent living. As part of the training, Hugh provides 'one on one' sessions and Live Trading, where you watch and learn, trade and earn, every Tuesday and Thursday morning.
Seems like a logical question. But the reality is that very few traders actually take massive run ups with a huge gain on the one day. If you bought in at the low of the day or sold at the high, you likely struck it lucky. If you got both the low and the high of the day, congratulations on being one very fortunate trader! Don't count on it happening again. Therefore, do not think you are good; you simply got lucky. Big difference.
The danger in getting lucky is that traders tend to think it can easily be replicated. Trying it again proves futile and they end up losing. It's important to recognize the difference between intelligent, well calculated trading and getting lucky.
The secret to making more money is to take a small piece of the action in the direction of the move. By taking smaller chunks along the way, you spread out the risk and exponentially increase your chances for long term wealth. It is much easier to reach 8% than a 15% gain. You may also score 10 times for a 5% profit than once shooting for a 50% target. In trying to obtain those huge returns, you run the risk of the stock turning against you.
Maintain that respectable but reasonable percentage in all your trades. If you trade trends, in all likelihood, the trend has already been established and there may not even be much left in the trade.
Everyone would like to make more money. Fair enough. The best way is to keep your percentages the same - maybe even lower them - but trade more contracts. If you make 8% on $1,000, that's $80. A gain of 8% on $10,000 is $800. But if you're trading $10,000 and are satisfied with earning $500 that day, just aim for 5%. It's much easier and faster to reach. Earning $500 a day is $125,000 a year if you trade once a day. That's well over twice the average wage earner in the United States.
Want more money? Trade more contracts.
Trader Hugh is a successful, full time options trader and trainer on the NYSE. Learn but one strategy well and you could make an excellent living. As part of the training, Hugh provides 'one on one' sessions and Live Trading, where you watch and learn, trade and earn, every Tuesday and Thursday morning.
Thursday, May 31, 2012
Fatal investment mistake and how to avoid them - best promissory investment guide
The ugly truth.
IOU investment is not as easy to stock market investment. When you can see the master's recommendations, while sitting in your easy chair to invest in the stock, and make your decision, place your order and then sit down and hope for the best. You are a passive investor. You are not driving the bus, you are a passenger.
However, investment in the promissory note requirements, your role as an active investor. Your time is required. Your own personal investigation, assessment and decision-making is required.
Demanding since become an active investor, you may think, "Why should I choose to do extra work, extra time and additional learning what? For me is a return?
The short answer is yes, is your reward. Benefits are:
• better control of their own money
• fewer people will pay the fee and commission income from your investment
• You will have more money to reinvest as you see fit
• Less external events (uncontrollable event) will affect your investment
In short, you will be driving the bus, not a passenger was taken for a ride.
Investment guidelines, to avoid the four errors.
Now if you are still reading you clearly understand, can be an excellent investment opportunity to invest in promissory notes. In addition, you want to learn what IOU investment criteria is the safety and success of your investment. We will focus on those who will continue to trouble you, and enhance your investment income. Important to remember that only one investment mistakes can wipe the savings of many years. Failure to follow these rules, you risk your life savings.
Guidelines # 1 personal inspection of property.
Would you buy a car, did not check? Would you buy a house you plan to live does not check? If you submit your money, did not check the collateral promissory note investments (real estate), is like buying a car without checking.
Why the importance of a personal check, you ask? Because, if you want foreclosure property, thus becoming an employer, you have just bought a property, you do not check! You have unnecessary to venture capital.
Further, when you check your property will be observed external conditions, indoor, basement, garage, garden, and any buildings. This will clear the property is how much functionality, its condition, its age.
In addition, you will see the neighboring properties and the severity of their illnesses. Collateral for a bad neighbor, property devaluation. In addition, to remind drivers and property, to pay attention to the following: road transport services, shopping facilities, parks and recreational facilities, and general appearance and neighborhood impression.
Remember, when you buy from a promissory note, the collateral that you can buy - if you really want to buy it or not, you may become the proud owner.
Guidelines # 2 --- Make sure the collateral property legal description.
This is a serious mistake to take the property owners and property legal description, liens against. False or inaccurate information can be an innocent mistake, or the results of a deliberate lie, but, either way, you noteholders in jeopardy. You need to know the legal conditions of property ownership. Always get a new title insurance policy. This process should be mandatory, routine steps. Often, however, is that this simple program error. Wary of doing so is correct.
Adhere to the principle of # 3 to obtain the lender's title insurance policy.
The homeowner policy or fire insurance policy to ensure that property from losses caused by fire and other hazards. Owners title insurance policy to ensure that title defects caused economic losses on property owners. For owners title insurance policy a modest additional premium, the lender's title insurance policy can be obtained. You guarantee, lenders, title defects and senior lien or encumbrance to your loan, the losses caused by property of unknown origin. It ensures that your first mortgage in first position on the law.
Adhere to the principle of # 4 --- get flood insurance, if appropriate.
Homeowner's insurance policy does not include surface water damage flood.
Need a flood insurance surveys, completed by the end. We all know that many people have mortgage investment in private promissory notes in 2005, New Orleans or Biloxi. We now know that after Hurricane Katrina, these investors, the number of flood insurance? There are huge insurance losses. These losses are unnecessary, they may have to avoid a flood insurance policy.
Another aspect of the flood problem is that sometimes, the property at the edge of the flood zone, only a professional survey can determine the flood damage risk. The elevation certificate issued by a professional surveyor, a survey shows that homeowners can save some money, federal flood insurance and protect your investment. Elevation certificate, help to measure the exact risk of a particular flood zone. If the property is in the flood zone of the federal government to ensure that the property covered by federal flood insurance.
If the property requires flood insurance, be sure to get it, you pay attention to the insured loss payee; you should be named as loss payee homeowner's policy.
Conclusion
If you do not understand, do not invest in it!
• The risks from not know what you are doing.
• investment risk from the things you do not know.
IOU investment is not as easy to stock market investment. When you can see the master's recommendations, while sitting in your easy chair to invest in the stock, and make your decision, place your order and then sit down and hope for the best. You are a passive investor. You are not driving the bus, you are a passenger.
However, investment in the promissory note requirements, your role as an active investor. Your time is required. Your own personal investigation, assessment and decision-making is required.
Demanding since become an active investor, you may think, "Why should I choose to do extra work, extra time and additional learning what? For me is a return?
The short answer is yes, is your reward. Benefits are:
• better control of their own money
• fewer people will pay the fee and commission income from your investment
• You will have more money to reinvest as you see fit
• Less external events (uncontrollable event) will affect your investment
In short, you will be driving the bus, not a passenger was taken for a ride.
Investment guidelines, to avoid the four errors.
Now if you are still reading you clearly understand, can be an excellent investment opportunity to invest in promissory notes. In addition, you want to learn what IOU investment criteria is the safety and success of your investment. We will focus on those who will continue to trouble you, and enhance your investment income. Important to remember that only one investment mistakes can wipe the savings of many years. Failure to follow these rules, you risk your life savings.
Guidelines # 1 personal inspection of property.
Would you buy a car, did not check? Would you buy a house you plan to live does not check? If you submit your money, did not check the collateral promissory note investments (real estate), is like buying a car without checking.
Why the importance of a personal check, you ask? Because, if you want foreclosure property, thus becoming an employer, you have just bought a property, you do not check! You have unnecessary to venture capital.
Further, when you check your property will be observed external conditions, indoor, basement, garage, garden, and any buildings. This will clear the property is how much functionality, its condition, its age.
In addition, you will see the neighboring properties and the severity of their illnesses. Collateral for a bad neighbor, property devaluation. In addition, to remind drivers and property, to pay attention to the following: road transport services, shopping facilities, parks and recreational facilities, and general appearance and neighborhood impression.
Remember, when you buy from a promissory note, the collateral that you can buy - if you really want to buy it or not, you may become the proud owner.
Guidelines # 2 --- Make sure the collateral property legal description.
This is a serious mistake to take the property owners and property legal description, liens against. False or inaccurate information can be an innocent mistake, or the results of a deliberate lie, but, either way, you noteholders in jeopardy. You need to know the legal conditions of property ownership. Always get a new title insurance policy. This process should be mandatory, routine steps. Often, however, is that this simple program error. Wary of doing so is correct.
Adhere to the principle of # 3 to obtain the lender's title insurance policy.
The homeowner policy or fire insurance policy to ensure that property from losses caused by fire and other hazards. Owners title insurance policy to ensure that title defects caused economic losses on property owners. For owners title insurance policy a modest additional premium, the lender's title insurance policy can be obtained. You guarantee, lenders, title defects and senior lien or encumbrance to your loan, the losses caused by property of unknown origin. It ensures that your first mortgage in first position on the law.
Adhere to the principle of # 4 --- get flood insurance, if appropriate.
Homeowner's insurance policy does not include surface water damage flood.
Need a flood insurance surveys, completed by the end. We all know that many people have mortgage investment in private promissory notes in 2005, New Orleans or Biloxi. We now know that after Hurricane Katrina, these investors, the number of flood insurance? There are huge insurance losses. These losses are unnecessary, they may have to avoid a flood insurance policy.
Another aspect of the flood problem is that sometimes, the property at the edge of the flood zone, only a professional survey can determine the flood damage risk. The elevation certificate issued by a professional surveyor, a survey shows that homeowners can save some money, federal flood insurance and protect your investment. Elevation certificate, help to measure the exact risk of a particular flood zone. If the property is in the flood zone of the federal government to ensure that the property covered by federal flood insurance.
If the property requires flood insurance, be sure to get it, you pay attention to the insured loss payee; you should be named as loss payee homeowner's policy.
Conclusion
If you do not understand, do not invest in it!
• The risks from not know what you are doing.
• investment risk from the things you do not know.
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