Asset Protection and Tax-Free Investments for the Moderately Wealthy
September 1st, 2010
Life insurance is an underutilized, but potentially versatile and highly efficient investment vehicle. It is useful not only for wealthy families. An individual or family having a net worth of only $1 million or even less is financially able to fund an offshore asset-protection life-insurance dynasty trust that provides a life insurance benefit, tax-free growth of a variable high-yield investment portfolio, tax-free policy loans during the life of the insured, tax-free payment of policy proceeds to the trust upon death of the insured and tax-free distributions to beneficiaries.
It is well known that standard whole and universal life insurance policies provide tax-deferred growth of the policy’s cash or investment value. The cash value of a standard policy, however, is part of the general investment fund of an insurance company. Growth of cash value within the policy is generally relatively low, usually a few percent annually. Also, the policy is only as secure as the insurance company. Policy funds are generally commingled with the insurer’s general fund, and the policy owner or beneficiaries basically are unsecured creditors of the life insurance company. In case of bankruptcy of the insurer, policy assets could be lost.
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Trusted Advisor or Product Pusher: Where Does Your Wealth Manager Fit In?
September 1st, 2010
Many wealth managers approach investors positioning themselves as “trusted advisors”. Can you develop this type of relationship with someone who is compensated for selling product, or should you seek out a wealth manager who operates without conflicts of interest between the firm and the client? As more independent advisors arise, this question will present itself more frequently to investors.
One of the biggest complaints investors have is that they feel they are being “steered” towards specific investments by their advisor. Frequently, these products are manufactured and/or managed by the firm that employs the relationship manager. They can take the form of mutual funds, managed accounts, or partnerships. This is true for brokerage firms, investment banks, and trust banks. In many instances, the compensation of the “trusted advisor” is largely impacted by how much proprietary product he or she can sell. With that type of motivation in place, it is fair for investors to ask if their best interests are being placed first.
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Soybean Complex, Corn and Wheat Market Commentary for 07-13-10
August 31st, 2010
Wheat Market Analysis Report for 7/13/2010
September Wheat finished up 13 1/2 at 549 1/4, 18 1/2 up from the low and 2 1/2 off the high. December Wheat closed up 14 at 578 1/4. This was 2 1/4 off the high and 18 3/4 up from the low.
December wheat traded lower overnight before rallying sharply into mid-to-late morning. On a slow day for news, traders said that the main supportive factor was a sharp break in the dollar and a general rally in commodities and equities. Weather continues to favor harvest progress in the Plains and for the last vestiges of the soft red harvest in the Midwest. Temperatures in the Northern Plains look to remain normal to above normal today with cooler temperatures due tomorrow which is considered favorable. This comes in advance of a longer range forecast that has much warmer temperatures locked in over the central and southern Plains next week, with temperatures in the Northern Plains remaining just above normal. The UK reported today that its May wheat exports were 200,115 tonnes, down from 279,081 tonnes in April. Exports for the first 11 months of the crop year are down sharply from the previous year. Basis levels for hard red winter wheat were steady this morning, as the harvest enters its final one third.
December Oats closed down 1 1/4 at 259. This was 6 3/4 off the high.
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Come across the Suitable Scalper Pro Advisor These days
August 31st, 2010
There are a good deal of tactics when it comes to trading in the foreign exchange current market. You might will need to apply distinct techniques in diverse circumstances so that your income can be assured. If you are a person of the persons who earn some income from forex trading buying and selling, you really should comprehend that there are two fundamental procedures of trading. Some will wait until the earnings stacks up to a substantial quantity of funds and advertise out their stock though some will buy up a whole lot of foreign currencies at a time and market them off whenever they achieve some small income. By getting and marketing so a great deal at a time, you will receive a large of cash even even though the income contributed by each currency is not large.
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How to Use Investment Properties to Set Up Your Retirement
August 31st, 2010
There are many ventures that can aid a person in creating a nest egg to retire upon. Stocks, bonds, 401k’s, social security, and other pension packages are examples of types of income that must be considered when planning out a retirement. However, using investment properties as a source of income is one of the safest ways to ensure a long, happy, and wealthy retirement.
One of the first things to remember is that investment properties are a long term type of business plan. Unlike any other mode of nest egg development, properties are usually expensive but are also one of the safer investments. Expenditures that go along with this type of investment are property taxes, insurance, maintenance, and advertising.
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Covered Call Trading in Smaller Accounts
August 30th, 2010
Short term covered call trades can be implemented by purchasing a deep in-the-money call option instead of stock and selling a short term call option. Great examples of this concept can be found in the Chuck Hughes GPS, the Chuck Hughes Advisory, the Chuck Hughes MVP, the Chuck Hughes Wealth Creation Alliance and in the Chuck Hughes Options advisory. Any of these Chuck Hughes Advisory services can help you trade small accounts. This creates a bullish debit spread. Bullish debit spreads are covered in Chapter 8 of the GRIP book. The purchase of an in-the-money call option instead of stock requires less cash and can be traded in a smaller account. This type of covered call trade requires a smaller initial investment so the profit potential is higher on a percentage basis but the risk is also higher on a percentage basis if the trade turns into a loss.
Let’s look at the option quote table again for Cal Maine Foods (CALM). Today is March 20th. A covered call trade can be implemented by buying the CALM in-the-money April 22.5-Strike call option symbol QKMDX and selling the CALM at-the-money April-35 Strike call option symbol QKMDG. I would enter this order as a spread order after calculating a debit price that is midway between the bid and ask price. I normally will be filled with this type of spread order. The midway point for the 22.5-Strike call would be 12.15 and is calculated by adding the bid price of 11.80 to the ask price of 12.50 and dividing by 2 (11.80 + 12.50/2 = 12.15). The midway price for the 35-Strike call would be 3.35. I would then subtract the 3.35 points received from the sale of the 35-Strike call from the 12.15 cost of the 22.5-Strike call and enter a spread order at a net debit of 8.80 points. So the cost to implement this spread would be 8.80 points or $880 and this would also be the maximum risk for this trade.
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Getting A Home Business Started Doesn’t Require Fear
August 30th, 2010
If you’re thinking about running a home based business, you need to consider whether you’ll be fruitful, but don’t be afraid to try. Fear is no reason not to begin a home based business.
Everyone has doubts. A few are scared of heights, arachnids water, penned spaces, and sharks, just to name a few. Running a home based business is a scary thought. Will you become successful or will it be a loss of countless hours? Only you know the truth.
Michael Jordan once said “I have missed more than nine thousand shots in my career. I have lost more than three hundred games. Twenty-six times I have been trusted to take the game-winning shot, and missed. I have failed over and over and over again in my life… and that’s why I succeed.”
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A Lot Of Homes For Sale In Rancho Palos Verdes
August 29th, 2010
Are you looking for homes for sale in Rancho Palos Verdes? This is one of the most affluent suburbs of Los Angeles. Almost every home has a wonderful view of the Pacific Ocean and the air is fresh and clean relative to the rest of the city of Los Angeles.
This is a perfect time to buy a home. You can even find great deals on foreclosed properties. This is a buyers market. You can find everything from mansions to cozy cottages at bargain rates. The choice is up to you.
If you are thinking of raising a family in this area, you will be happy to know that the school system is one of the best in the country. The high school student SAT scores are some of the highest in the nation.
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Forex News Trading: Why It Matters
August 29th, 2010
Forex news, or Fundamental news, is the engine that drives the Forex markets. What happens is traders react to high impact news announcements, causing major shifts in the market and big moves. Therefore, by understanding how to benefit from these news events, you can both increase your profits and avoid costly trading mistakes.Forex News Trading can be a big benefit to your trading performance and profits.
A lot of traders don’t understand how news effects the market. New traders often get “caught” by a news announcement and see a perfectly profitable trade turn into a quick and costly loser. Some more experienced traders avoid trading when news announcements are scheduled to take place. But the best traders learn how to trade the news to add daily pips to their profits on a consistent manner.
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Creating Passive Revenue Streams
August 28th, 2010
For a person to feel really free and less stressed about his or her professional future the best thing to do is to find a source from which it is possible to earn a passive income. When you are capable of earning a decent amount of money from the passive source of income the dependence on the job lessens and that increases the confidence of the person seeking such an opportunity.
Also the person feels like there is no need for him or her to go back to toothier day job. Therefore creating passive revenue streams is an absolute necessity. Sometimes the passive earning source is so lucrative that the person prefers to only earn from this means. Passive income gives the person the confidence to live the way he or she likes and to enjoy personal and professional freedom to the fullest by choice of a new lifestyle. But finding a reliable source from which this form of passive or residual based income can be earned is also not easy.
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