Best safe investment : 7 cash flow investing strategies
Best Safe Investment
- outer layer or covering of an organ or part or organism
- An act of devoting time, effort, or energy to a particular undertaking with the expectation of a worthwhile result
- The action or process of investing money for profit or material result
- A thing that is worth buying because it may be profitable or useful in the future
- investing: the act of investing; laying out money or capital in an enterprise with the expectation of profit
- the commitment of something other than money (time, energy, or effort) to a project with the expectation of some worthwhile result; "this job calls for the investment of some hard thinking"; "he made an emotional investment in the work"
- A strong fireproof cabinet with a complex lock, used for the storage of valuables
- free from danger or the risk of harm; "a safe trip"; "you will be safe here"; "a safe place"; "a safe bet"
- A condom
- strongbox where valuables can be safely kept
- a ventilated or refrigerated cupboard for securing provisions from pests
best safe investment - Fail-Safe Investing:
Fail-Safe Investing: Lifelong Financial Security in 30 Minutes
Do you worry that you're not paying enough attention to your investments? Do you feel left out when you hear about the clever things other investors seem to be doing? Relax. You don't have to become an investment genius to protect your savings. Distilling the wisdom of his thirty years' experience into lessons that can be applied in thirty minutes, Harry Browne shows you what you need to know to make your savings and investments safe and profitable, no matter what the economy and the investment markets do. There are no secret trading systems here, no jargon to learn. Instead, Harry Browne teaches you in simple terms to, among other things:
-Build your wealth on your career
-Make your own decisions
-Build a bulletproof portfolio for protection
-Take advantage of tax-reduction plans
-Enjoy yourself with a budge for pleasure
If you had to summarize Fail-Safe Investing in three words, it would probably be these: Embrace the obvious. Look at your job, Browne advises. You get ahead because of your experience, education, and common sense. Your job is the reason you have money to invest in the first place. So the first of Browne's 17 rules is, "Build Your Wealth upon Your Career." Don't jeopardize your career; it's going to take many years of smart investing before your earnings will surpass what you earn at your day job--if they ever do.
The other rules aren't quite as obvious, but equally simple. Browne explains the difference between investing (making a long-term plan and sticking with it) and speculating (betting that you can beat the overall market during a specific period). He shows how life savings are easily lost when you borrow money to invest rather than investing only the money you already have. Browne also suggests a portfolio that he says is the simplest and safest possible for continual, steady returns above inflation: an equal division among stocks, bonds, gold, and cash. That covers an investor in times of prosperity (stocks), inflation (gold), deflation (bonds), and recession (cash). While many investment analysts would undoubtedly gag if you presented them with a portfolio that consisted of a 50 percent investment in gold and cash, Browne nonetheless makes a compelling argument that such an allocation makes it easier to sleep at night. And common sense tells you there are worse things than a good night's sleep. --Lou Schuler
Austin Real Estate Eye: November 2010 - Happy Veterans Day and Happy Thanksgiving
Austin Real Estate Eye - November 2010 - Happy Veterans Day and Happy Thanksgiving ............................................................................................................................... Check out the updates from: 512HomesForSale.com and AustinRealEstateEye.com November 2010 Real Estate News Video: This Month in Real Estate and Austin, Tx City of Austin Landscape Rebates for Customers that use Native Plants Home for sale: 5430 Salem Walk dr, Austin, TX – 3 Bedroom, 2 Bath, South Austin City of Austin Work at Scotland Well and Spicewood Springs Road Real Estate Sales in Texas Decreased in the Third Quarter of 2010 Call me for all Austin Real Estate needs & questions: 512-589-7308 Market Update The housing market continues its gradual recovery without the aid of the tax credit. Sales are slower but growing. Although it will likely be uneven at times, slow growth is believed to be the trend moving forward. Interest rates hit a new historic low again, a major factor in helping keep mortgage payments incredibly affordable. Extended periods of record low interest rates and further plans from the Federal Reserve Board to expedite recovery have some concerned about future inflation. One such investment guru, John Paulson, touted the benefits of owning real estate as a hedge against inflation on Forbes.com. “Your debt and interest payments get locked in at record lows, while the price of your home will rise … If you don’t own a home buy one … if you own one home, buy another one, and if you own two homes, buy a third and lend your relatives the money to buy a home.” This march back up continues to provide excellent opportunities: an ample selection of homes, affordable prices, and historically low interest rates. Experts anticipate both the economy and the housing market will continue their paths on the way to a complete recovery. Home Sales Home sales continued to rebound in September, increasing 10% compared to the previous month. This builds on August’s gain of 7.6% that followed a large drop caused by the expiration of the federal tax credit in July. Sales are expected to gradually grow as the market moves toward recovery without government stimulus. The recent foreclosure moratorium has opened up opportunities for short sales. Although it could make the near-term “choppy at times,” industry experts expect the overall trend to continue growing slowly. Home Price After four months of prices remaining on par with year-ago levels, September showed a slight decline. Last September distressed properties were 29% of all home sales; this September that number rose to 35%. The larger proportion of distressed sales, which are typically discounted, helps to explain the decline. While these discounted sales provide opportunities for buyers, sellers look forward to the general trending upward of home price. Inventory There are fewer homes on the market again in September, representing 10.7 months of inventory. While still at a relatively high level, months of inventory shrank by nearly a month in September from August’s 11.6 and nearly two months since the 12.5-month supply in July. This continues to represent an excellent opportunity for buyers and investors who have not yet taken advantage of the abundant opportunities of the market including record low rates, an ample but shrinking selection of homes, and highly affordable prices. Affordability Housing remains at near-record affordability levels, and prospective home buyers stand to benefit from the lowest mortgage rates in decades, as well as advantageous home prices. Housing is approximately 60% more affordable now than during the height of the market. Source: National Association of Realtors Interest Rates Mortgage rates once again set new record lows in early October to 4.19% and remained below 4.3% throughout the month. These historically low rates contributed to real savings for buyers. Furthermore, the longer the buyer owns the home, the greater the savings they will realize. As economic activity gains momentum, rates will rise to keep inflation at an acceptable level. Rates as of November 4 . This Month's Video Topics For Home Owners, Buyers & Sellers Prime Time to Buy 7 Reasons Why Now Is a Great Time to Buy a Home Recent history has reframed some of what had long been taken for granted about buying a home. Namely, we’ve learned that even though buying a home remains one of the best and safest investments available, a home should not function as an ATM or a short-term speculation strategy. So, where does that leave us? A lot smarter, able to recognize an opportunity when we see one, and aware of the facts that point to now as the prime time to buy a home. Home affordability is at an all-time high. The median mortgage payment on the median-priced home, as a percentage of the median household income, is lower than it’s been in a generation. Mortgage rates are at rock bottom. It’s hard to imagine interest rates going
BEST FRIENDS – a safer pathway to Peace - I
Contrasting colours, contrasting realities, contrasting pasts, contrasting presents, contrasting futures and contrasting lives! Nevertheless, best friends, Matheus and Vando. Matheus is a middle-class Brazilian boy, growing up in a secure and well-structured family. He is like most middle-class kids here, who live in middle-class neighbourhoods and go to middle-class private schools, which offer a higher level and quality of education than most public schools have to offer in Brazil. For a middle-class kid the average cost of education from pre-school to university, paid for by their parents, is approx. USD$100.000. This investment usually guarantees them a safer pathway to a better job, a higher standard of living and a tranquil future, not forgetting the trusty continuation of the social indifferences in this society. Apart from his private schooling he also benefits from a private health system, which serves the entire middle- and upper-class community. His reality belongs to a Brazil far from the Brazil known by his best friend, Vando. Vando comes from a background of utmost poverty; his mother and father were alcoholics who lived on the streets. Most of his brothers and sisters were also street kids, until they were rescued. Those who weren’t have died tragic deaths. Vando has also grown up in a safe home, as he is one of the adopted children of CARF’s founder, who has also raised three of his brothers and sisters since they were street kids. Vando has been very lucky to have a free place in the same school that Matheus has gone to since they both started as pre-school toddlers. They have kind of grown up together at school, but their home community life has some essential differences. Vando lives in a community little known to Matheus and all his other middle-class school colleagues; a community where poverty, drugs, violence, death and social indifferences are the daily agenda. Vando’s playmates struggle to get through a basic education, which their parents will end up contributing only approx. USD$2.000 towards during their entire education. Basically this is money used to buy school materials and uniforms, which are not always included in the public school system. Vando is privileged enough to be reaping the benefits of both worlds and his best friend Matheus is privileged enough to have such a good friend in Vando, (who by the way, is the only Negro child at his school). Their Brazils are far apart and yet through their relationship their different worlds have been brought closer together, been unmasked. There is something immensely important about such a relationship because although their social backgrounds and realities are entirely opposite, their friendship is one. Their relationship raises some fundamental questions: Why are we not cultivating such important social integration in our schools? Demystifying the differences? Why do we no longer have a qualitative education, which is an equal right for all children and why is this only reserved for those with enough money to pay the price or who are lucky to have access? Would not tearing down these barriers create a much safer pathway to the kind of peace we all dream of? Mahatma Gandhi once said: "If we are to reach real peace in the world, we shall have to begin with children".— Matheus and Vando are living proof that Gandhi’s well-known statement is solid enough to live by. So how long shall we wait for the necessary and inevitable changes to be implemented by us, the people of this country? How much more violence are we to suffer? How many more killings are we to witness? How long do we think it is possible to survive on the social indifferences and injustices forced upon the majority of our population? PEACE. LOVE and HARMONY are simple words and really easy to live by if we just choose to do so, but I think Gandhi was right; we have to begin with our children! We have to begin with children like Matheus and Vando.
best safe investment
Diversification provides a well-known way of getting something close to a free lunch: by spreading money across different kinds of investments, investors can earn the same return with lower risk (or a much higher return for the same amount of risk). This strategy, introduced nearly fifty years ago, led to such strategies as index funds.
What if we were all missing out on another free lunch that’s right under our noses?
In Lifecycle Investing, Barry Nalebuff and Ian Ayres—two of the most innovative thinkers in business, law, and economics—have developed tools that will allow nearly any investor to diversify their portfolios over time. By using leveraging when young—a controversial idea that sparked hate mail when the authors first floated it in the pages of Forbes—investors of all stripes, from those just starting to plan to those getting ready to retire, can substantially reduce overall risk while improving their returns.
In Lifecycle Investing, readers will learn
How to figure out the level of exposure and leverage that’s right for you
How the Lifecycle Investing strategy would have performed in the historical market
Why it will work even if everyone does it
When not to adopt the Lifecycle Investing strategy
Clearly written and backed by rigorous research, Lifecycle Investing presents a simple but radical idea that will shake up how we think about retirement investing even as it provides a healthier nest egg in a nicely feathered nest.