Low Risk Investing (bankruptcy advice)

January 28th, 2010 admin Posted in finance |

By Roberto Garabell

As it becomes increasingly difficult to earn a buck in the current economy, many people are seeking out low-risk investments as a means to assert some control over their financial situation. Although they don’t yield as much as other investments, low-risk investments offer more security to the investor. With low-risk investments, there’s no danger of the investor draining their savings by losing a large sum of cash.

Even in a more promising economic climate, low-risk investments are still an integral part of a portfolio. They offer an opportunity to gradually profit over an extended period of time without significant financial risk, making them perfectly suited for such long-term investments as retirement portfolios.

Many low-risk options are available to the savvy investor.

Annuities

Annuities provide long-term rewards to the low-risk investor. An annuity can be purchased either with a large lump sum, or by making monthly payments over a long period of time. After an annuity is purchased, it pays off a monthly profit in return. Retirement annuities can be set up to continue paying out for an extended duration of many years. Another type of annuity, a fixed term annuity, pays off only for a pre-determined length of time. While annuities are definitely easily manageable, low-risk investments, they’re commonly combined with other low-risk investment options in order to round out a portfolio.

Bonds

Bonds offer a highly secure means of investing in a company. Although corporate bonds can still be occasionally susceptible to a company going under, they remain a generally secure option. Unlike stock holders, bond holders are technically recognized as lenders. Because companies who declare bankruptcy are legally required to pay back their lenders before attending to any other matters of finance, bondholders stand a good chance of getting their money back, even if the company they’ve invested in fails. Government bonds are even safer investments, as the government is considered one of the safest institutions in which to invest.

Money Market Mutual Funds

Mutual funds are tied to the stock market, and their profitability can be just as unpredictable as the stock market itself. However, money market mutual funds are not based on the stock market; they are based on money market securities. Securities are considerably more stable than the stock market, as they pay out a fixed return over a fixed term. As a result, money market mutual funds can offer an investor much more security as a low-risk investment opportunity.

CDs

Certificates of Deposit don’t traditionally yield a huge reward but they are proven to be very solid investments with minimal risks. A CD can pay out at around seven percent so if you find yourself able to tie up a decent-sized chunk of money for a term of several years, you can safely reap a tidy profit. In addition, CDs are federally insured, making them the very definition of a low-risk investment. However, investors should be wary that prematurely cashing in a CD will certainly draw sizable fines and penalties, negating the whole investment. If you’re able to comfortably tie-up a few thousand dollars in a CD, you’ll find it to be a very safe endeavor.

Getting Started

Thanks to the Internet, you are now able to instantly access information on thousands of low-risk investment opportunities. This allows even novice investors to comparison-shop in order to find the highest-yielding rates for low-risk investments such as securities. If you’re just getting started in the world of investing, low-risk investments are great ways to lay a stable foundation for your portfolio.

Annuity Rate Shopper.com was started to simplify the annuity buying process. Comparing between competing fixed index annuity rates to help figure out which one is best suited for your needs.

It’s All You

By Jake Saab

Owning my own business has taught me many things about myself. I’ve learned that I can make wise business decisions, I can manage the accounts and taxes for my company, and I can type with one hand while holding a sleeping 6 month old. All of these things have helped me develop into a much more confidant person. My business has also given me the freedom to test my limits and see what I can accomplish.

Running a home-based business has become a large part of my identity. Not in a selfish, “See what I can do!” way, but in a positive sense. It has given me the confidence to know that I accomplish things that I never thought possible. Before I was a work-at-home mom, I wanted to be able to be at home with my children, but I also felt that I needed more. I needed something for me alone that would make me feel strong and confident. I also needed the opportunity to keep in touch with others to avoid the isolation that often accompanies stay-at-home moms.

There are three key areas in my life that I believe my home-based business has helped me develop:

Passion

When I began my website it truly was something for ME. I wanted to compile work at home information all in one spot so that I could find the perfect opportunity that would allow me to stay at home with my children. However, in running CWAHM I have found that I have a passion for helping other moms work from home.

My business has taught me that to succeed you must give to others and expect nothing in return. This may not seem like a sensible business technique, but it is a biblical principle. Put others before yourself, help others to succeed and you will be successful yourself.

Gina Neef with The MOM Team, told me recently, “I didn’t realize I even wanted “something of my own” three years ago. When I began - it all unfolded… so nice to have my passion fueled.”

Confidence

In college I was shy and very unsure of myself. I felt like there was not any one thing that I was truly good at. My grades were average, my athletic ability was average, and on and on. Being a successful business owner has opened my eyes to the fact that there are things that I am good at.

Melody Spier, owner of Ballyhoo Virtual Services, felt similarly. She states, “Owning a business has taught me so much about myself and my capabilities. I used to let fear of the unknown, fear of success and of failure hold me back, but now that I’m a business owner, I’ve learned that it’s okay to succeed at some things and fail at others. I take each experience and learn from it - what worked, what didn’t. Today if I want to do something but don’t know how, I find someone who has knowledge of the topic and I ask for help. Owning a business has taught me to believe in my skills and myself. My fear of success has long since vanished as well; I can now say that I’m proud to own a successful virtual assistant business.”

Courage

Being a business owner has given me courage. Courage to take chances and go beyond my comfort level. Once I have a few successes behind me, I realized that I could do it all. Also, even my failures make me stronger. I found that my business didn’t shut down with each mistake I made and I always found a better way of doing things. Diana Ennen, president of Virtual Word Publishing, agrees. She states, “Owning my own business has inspired me to do more in all aspects of my life. I love the warmth of success so I try and take the right steps to achieve it. Just as I want the best for my family, I also want the best for my business as well. I’ll often find the courage to go the extra mile and reach far beyond what I think is possible and what I find is that most of the time, I reach those goals.”

Having “something all my own” has benefited me in many ways - passion, confidence, courage - and so much more. I’ve been inspired to do things that I never thought possible. If you desire to work from home you’ll find that it’s worth the time and effort that it takes to get started. Take the chance, step out on faith and work until you succeed.

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Surveillance, Security, CCTV Equipment, New and Used, Conventional Financing and Business Loans

By J.M Luna

For this update surveillance, security, CCTV equipment financing can come in the form of conventional financing and loans and businesses in quest of working capital in the form of a cash merchant advance and/or merchant cash loan. Todays financing market is very illiquid in offering surveillance, security, CCTV equipment leasing/financing. Most lender monies are better off served in other industries from a risk/reward factor. However, there are niche banks out there that will consider surveillance, security, CCTV equipment financing but usually require the candidate to have at least a minimum of one to two years time in business.

For the most part startups dont have a possibility unless their personal credit score are over 700 and are eager to pledge additional collateral to the transaction with added clear and free assets. The lenders that finance surveillance, security, CCTV equipment will properly offer up to $50,000 application only and over that amount full financial and tax disclosure would be required Permitted leases can run between 24-60 months with various buyout clauses

The most unique part of this editorial is the merchant cash advance/loan programs. Most dealers/vendors arent even conscious of these programs.

The first question a lot of people are asking is what is a merchant cash advance? An established business in existence for one year or more with visa and mastercard sales can qualfiy for a loan or a merchant cash advance on their previous activity up to $150,000 from a financial institution and $750,000 or more per location from a true merchant cash advance company. The monthly average of their visa and mastercard sales x 1.5 will be a qualifying amount that the bank will lend up to. Some cash merchant advance companies will lend up to $750,000 per location.

This is a notable way for a business to get hold of working capital. Most conventional financial institutions shy away from the surveillance equipment industry.

These cash merchant advances/loans are great for the dealer/vendor that have seasonal cash flow needs, that arent capitalized correctly and require more time to achieve their sales base, have credit issues that cant be overcome at the bank, businesses that require instant cash at the present, and noticeably numerous other factors tailored to specific businesses.

These lenders arent FICO driven and are attracted in the dealers/vendors past Visa/ Mastercard Sales for the previous six months. Usually the companys bank statements, the merchant processing statements and a signed application are necessary. to originate the lending process. Once the financial institutionhas received these requirements, a decision can be made fairly quickly, usually within 24-48 hours. Beyond an acceptance, the money is usually funded within seven business days.

The next obvious question, is how does the consumer repay back the loan or cash merchant advance? It is from the forthcoming card sales, a little fraction is paid back each day to pay back the bank This is essential because there are no balloon payments or monthly payments to consider. The lendercalculates a tiny repayment per day that can last up to one year.

Locating available capital whether through leasing and working capital can be verydifficult in todays times. The cash merchant advances/loans can offer the seasoned business an unique opening to obtain funds without all the red tape conventional lending institutions demand

Happy hunting for your surveillance, security, CCTV equipment financing for your customers or yourself. In addition, business cash merchant advances are also available to the dealers/vendors for working capital needs..

J.M Luna has over thirty years experience in the financial field. This includes accounting and taxes, leasing, hard asset money and commercial lending.

U.S Corporate Capital Leasing assists the start up and seasoned business for financing in all different fields.

http://www.cclgequipmentleasing.com/lease_equipment.htm

http://www.cclgequipmentleasing.com/cashadvances-150k.htm

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