Category Archives: Investment Options

Is Real Estate Investment Profitable? Here Are the Answers

Have you ever thought of investing in real estate? Do you ask yourself whether the business is profitable? Then, you are in the right place. Real estate investment is profitable, but if done properly. If you make wrong decisions, like what beginners do every time, you can lose money. So, what are you supposed to do to succeed in this industry? Keep reading this guide to learn some ideas for investing in real estate.


Research on the Real Estate Property

Many investors make the mistake of buying a property just because it is for sale before they inspect it. Please inquire about the property to know its current market value and its location. Please don’t buy a property you do not know how it physically looks likes. It is even very disappointing to buy a property that is not in a strategic location. Consider properties located near social amenities such as sewerage, fire stations, schools, and hospitals because they always offer a good return of money.


Give Clear Offers

Do you want your investment to be profitable? Then, don’t be afraid to name your offer. The property is for sale, so people will always listen to every offer. If you think the property is overpriced, negotiate the price, your offer might be considered.


Build a Good Relationship with Real Estate Buyers and Sellers

Increase your business network because your leads might not close all your deals. Making friends with other people can help you gather information such as the best location with properties for sale and also stay updated on the current rules governing the real estate industry.


Consider All Existing Choices

For instance, if you have a property in mind, why don’t you buy it or lease it instead of renting it? Considering all available options can help you make an informed decision. Prioritize the most rewarding deals because they are profitable. Don’t just consider newly built properties. You can buy old properties, remodel them, to increase their value in the market. They can also offer a good return of money as you will resell them at a higher price than the one you bought.


Hang Out With Good Positive Minded Characters

The entire property buying process needs a lot of focus, so if you surround yourself with negative minded characters, you may not invest wisely. Work with people who notice your work and ready to join the effort with you. Such people will always share good ideas, like when to avoid a deal if there is a need. They will share their tactics that might work on your side.



As you can see, you can make money easily on real estate investment. Invest wisely, inspect the property for sale before purchase. Or else, if you fail to follow the right steps, you may lose money. For more practice information, head on over to meravbenloulou.

3 Famous Examples of Security Fraud

Security fraud has become a significant issue around this information age, especially in the investment world. Security fraud, a.k.a; investment fraud is a malicious practice that involves the misinterpretation of information for many investors to make viable decisions, in one way or another—the crime involves financial manipulation, poor advice, and more which may lead to significant losses.

Security fraud is illegal, and too often, it is risky to investors. There’s been a great article on TGDAILY recently that interviews a securities defence lawyer, it gives a great outline of the most common misconceptions and he digs into the most popular questi0ns around the topics. We highly recommend to give it a read.

Anyway, Investment fraud takes on many diversified forms. But below are the most famous ones.

  1. Accountant fraud

Over the past two decades, accountant fraud has increasingly grown where financial reports get manipulated now and then. The most kind of workers who fall into these illegal practices is usually the ones who have access to an organization’s accounts without oversight.

Accountant fraud involves embezzlements, fake suppliers, personal purchases, and many more.

Accountant fraud can directly impact the success of the company. It can lead to billions of losses if unchecked. The company, therefore, should implement internal severe accounting control and conduct random auditing on accounts receivable and accounts payable. Even better, it should employ trusted workers to check the reports regularly.

  1. Payroll fraud

Payroll fraud is an illegal act through the company’s payroll system. Payroll fraud is one of the most common investment frauds that many employees have turned their heads to-for many reasons. The effects of these employees fraud are dangerous and can even lead to business failure. According to research, about 27% of businesses affected with payroll fraud are likely to last for not less than 36 months. Payroll fraud, therefore, is a significant risk, particularly for small enterprises where control is minimal.

Some of the theft involved with payroll fraud includes paycheck theft, advance fraud, ghost employees scheme, and many more.

To avoid such a risk, the company needs to balance the sheets plus the payroll accounts three times a year. The company should also employ trusted managers who approve timesheets on time. The payroll record is a must check to ensure bank details matches.

  1. Asset misappropriation

Also referred to as insider fraud, asset misappropriation is a fraudulent practice that involves vast numbers of employees within a company. It is a case where individual employees who have access to information that the company lacks, then takes advantage of sale the corporation’s stock or securities.

Asset misappropriation is a risk if unnoticed. It includes theft of cash, robbery of services, forgery, and more.

The company should, therefore, rigorously check on new employees’ backgrounds. The company should also implement random audits, checks, and balances, and never pay commissions unless services get delivered. Better yet, change of duties of employees.

When is it practical to take out a bank loan?

If you have been considering taking out a bank loan for a holiday, to pay debt, to renovate your home or to pay for upcoming personal expenses, here are a few things to consider about the practicality of taking out a bank loan.


Debt consolidation — One of the main reasons financial consultants will recommend taking out a bank loan is if you want to consolidate debts.

Many people have personal debts of credit card balances, store credit balances and even balances on cards issued for the sole purpose of buying clothing, electronics and entertainment products online. Many of these cards come with interest rates of over 20 percent.

Take out a bank loan or credit, however, and consolidate all of these debts into one loan and one payment. As many loans will have an interest of well under 8 percent, you can cut a huge amount out of the money you would have to repay if you kept the original debts.


Your debt is not out of control — If all of your debts consolidated into one payment are still manageable, then financial consultants recommend taking out a bank loan.

If your debts are so enormous, however, that there is little likelihood of paying them off even with a bank loan, it is not recommended you take out a loan. Especially as, by doing so, you could just end up damaging your credit rating even more if you are not able to pay off the loan.


You have a solid plan enabling you to pay off the loan — Only ever take out a bank loan if you have a solid plan to pay it off.

This means the money you currently earn is more than sufficient to pay monthly loan payments. It also means you have extra money in reserves in case you have problems paying off the loan.

If you do not have a firm plan that will easily enable you to pay off a bank loan, avoid taking one out. In many cases, if you do, you will just find yourself in even more financial difficulties.


Can you get low interest rates? — In order to make taking out a bank loan worthwhile, you will have to have a high enough credit rating to be able to get low interest rates.

If you take out a bank loan and the interest rate is as high as credit cards you currently have, there is no point taking on additional debt. Especially as you will have to repay it at exorbitant interest rates.

Calculate how much you would have to pay each month with both the credit cards you currently have and a bank loan. Only apply for a bank loan if the repayment every month would be less.

So you are looking to sell your house?

So the time has come for you to sell your home but you have no idea what you should do. There are so many factors that are out there to consider it can be terrifying and challenging.

Luckily though we have taken the liberty to outline a few pieces of advice that can better help you make the correct decisions and thus help you get the best price you can get and a fast house sale. After all that you are selling is not just a simple item, this is a home.

Sell at the right price

What many people who decide to sell their homes to sell their home at a cost that doesn’t meet the actual home value. What does this mean, many people, who are wanting to sell their home, private their home at an undervalued price?

It is important that when you sell your home that you sell it at a cost that is worth the value of the home. Price your home at its appropriate value. Understand that there will be many people who want to buy your home and people will go beyond the recommended price.

Do not be scared to price your home for what it is. You are offering a home here.A place where a family can gather together. This is something special.


Make sure your closets and cabinets are empty

This may sound somewhat useless, but you would be surprised how closets that are full or cabinets that are stocked can make a person feel turned off. Imagine if you will visiting a dentist office to get your tooth pulled out at the dentist office are old products and items scattered around the room.

What you are selling here is your home. You have to make sure the house is clean and tidy. Keep the appearance up, and you will be able to sell the house. Nobody will want to see your old hammy downs.

Take your possessions down

When selling your house, you have to remember that you are leaving your home. What does this mean? Pictures of old residents and family members can make the house you are trying to sell a home that someone else is stealing.

Even more so, nobody wants to hear that your mother lived in this house all her life and died in that room. As graphic as this may sound, this will have, unexpectedly, the wrong thoughts in a person mind.

The home you are giving way must always be meant to serve as just that, a home. Make sure that you can make the house feel welcoming and that the family that is looking is also willing to buy.

Final Thoughts

Selling a home can be an exhilarating experience. Letting go of such an excellent valued possession is never easy, but it can be fascinating and gratifying knowing that you have given your home to someone else who will love and cherish it as much as you did.

Your home is an extension of you and your family to make sure that you have dressed it up appropriately. Happy selling everyone.

Not sure what a surety bond is or why a particular construction company would use one? Find it out now.

If you are about to hire a construction company for a job, you may have heard that you should also make sure the company you hire has a surety bond.

Not sure what a surety bond is or why a particular construction company would use one?

If so, here is a quick explanation of the role of a surety bond as well as why a good construction company should never start a new job without one.

What are surety bonds? — This is an assurance that the company putting up the surety bond, usually an insurance company, believes the construction company you are going to hire is not only capable of doing the job but will also complete it in the time needed.

If this does not happen, the construction company collapses mid-way through the project or cannot complete it anywhere near the time you need, then the company issuing the surety bond pays for the completion of the project or the damages you have incurred.

Why do construction companies use surety bonds? — Most construction companies that use them do so because it gives the company a lot more legitimacy.

After all, with so many construction companies going bankrupt mid-way through jobs or not being able to complete them in the time needed, if a company has a surety bond it makes the would-be client much happier about hiring them.

With a surety bond, the construction company is also less likely to go bankrupt and more likely to complete the job on time and within the budget.

This is because, in order to be able to get a surety bond, most insurance companies ask for indemnification from the owner of the construction company. Once indemnification has been handed over, the company’s owner does not want to lose it so will do everything in his power to make sure the job is completed and under the specifications you wanted.

How can a surety company prevent a job from not being completed? — Another wonderful thing about a construction company with a surety bond is that the insurance company does not want anything bad to happen with the job either. If it does, they can lose a huge amount of money on a failed construction project.

So, if they do feel like the job has a chance of collapsing or the construction company going bankrupt, they will sometimes offer technical help to them to try to get them back on track.

If that does not work, they may send a construction manager to try to rein in the project and get it back in track. If all else fails, then an insurance company may even offer financial help as an incentive for the construction firm to finish the job.

What happens if the job or the construction company does collapse? — If the firm you have hired does go bankrupt or has problems completing your construction project, you should contact the insurance company that issued the surety bond.

They will then make sure the job gets completed in the manner that was first agreed upon.

Are There Legitimate HYIPs?

What are HYIP’s?

Before you can talk about whether HYIPs are legitimate or not, you need to first understand what it is. The acronym HYIP stands for, high yield investment program. A typical HYIP program will offer around one percent returns on investment, per day. In most cases, this type of program will be set up using a website, that may not be clear as to how exactly your money will be invested. Vagueness on the details is usually a hallmark of HYIPs. This is why you should be very careful, and do your due diligence before even considering investing in an HYIP. In a nutshell, an HYIP is just a fancy term for a pyramid scheme.

Of Pyramids and Investors

For those of you who do not know what a pyramid scheme is, the mechanics of it are quite simple. First, the investment “opportunity” is brought forward by a small group of people, or sometimes by a single person. Then, whoever joins the business will be required to bring more people to join them. Each subsequent enlistee will be placed under the person who brought them in. Everyone who joins the program after the first person will be required to pay a fee to the immediate person above them and so on and so forth until it trickles up to the person on top. Therefore, the earlier you join, the higher up you will be on the food chain, and the more money you will make. It doesn’t take a rocket scientist to figure out that such a scheme not only can’t sustain itself for long, but the people who joined towards the end (most of them) will lose money.

Keeping it Legit

Are HYIP’s legal? Well, that depends on how you look at it. All HYIP’s are pyramid schemes, but not all pyramid schemes are not illegal. This has to do with fraud. If an HYIP is committing fraud, then it doesn’t matter what business they are in, it is illegal. They could be feeding the poor and tending to the sick, it won’t matter because fraud equals illegal. There have been legitimate businesses based on the pyramid scheme model for quite some time, even now.

But even in those cases, they are involved in a specific business, such as selling consumer goods like food or detergents and are not going around promising the moon to its investors, based on nothing. The difference is that a legitimate pyramid scheme is not only promising fairly high ROI, but they require people who join to sell products, from which a portion of profits moves upwards as seen in pyramid schemes. This is what makes them legal. In other words, it’s not just about pushing money up to the next person, which is what most HYIPs are.

How to Spot a Red Herring

First of all, use a monitoring website, like HYIP to check if a program is a scam, or actually paying. Before considering an HYIP there are a few things to look into. If an address is given make absolutely sure it is legit. Giving fake addresses is a common ploy of fake HYIP’s. See if they have any type of certification. If they do, make sure it is for real. In some countries, it is possible for anyone to purchase a certificate of incorporation for a small fee. Look for phone numbers, if one is provided, give them a call and ask them to give as much info about their company as possible.

Trend Following is the Key to Success in Trading

Trendy Success and Trend Following in Trading

The boom in trading in global markets can be attributed to savvy traders who understand the concepts that create success. It would seem almost inevitable that traders would seek trends in B2B and B2C ventures that offer the ripple effect of increased revenue.

The markets consist of bear, bull and black swan trading, many of which include trend strategies that help to make trading rules more malleable to the needs of businesses and investors. This is true even in the more unpredictable black swan markets.

Trading philosophy allows markets and traders to participate in and dictate specificity of trades. Trend following requires a keen eye for seemingly superficial and insignificant changes and the ability to modulate these changes into increased revenue.

Trend Following and Investment Trading

The most successful financial traders are those who possess an innate sense of trend following. Knowing where to invest is part of trend following. Timing of trends also plays a key role in successful trading.

One major recommendation is to focus on trading habits of successful traders with longevity. For example, the world knows when Warren Buffet picks up on a trend, his investment savvy and prior successes are reliably astute. His trading prowess is substantiated by the constant reference to him as “The Oracle of Omaha.” His trading philosophy is based on the British born, Benjamin Graham, known in the trading world as, “The Father of Value Investing.”

In value investing, the basic philosophy espoused by Graham and followed by Buffet is to “look for securities with prices that are unjustifiably low based on their intrinsic worth.”

However, in value investing, trading trends are deeply embedded due to the fact that purchased securities may be underpriced, but have undergone basic analysis and various forms since these securities were first offered as IPOs.

The Basics of Trend Following in Trading

To fully understand the importance of trend following, it is necessary to study trend following habits of those who enjoy lower risk and higher ROI. For trend following experts in trading, lower risk and higher ROI is accomplished mainly through combining several features:

. People

. Trend systems

. Incontrovertible trading data

. Risk Analysis

People “watches” contribute to the success of trend following. People are investors who determine the ups or downs of global markets through buying and selling of various types of investments. For example, when investors suddenly begin to purchase stock in precious metals like gold, silver and copper, the trend following experts look for the reasons for these upsurges. If, on the other hand, stocks in oil suddenly begin to dip, this too requires study of the issues impacting the drop in market trading.

Trend Following in Global Markets

Stock exchanges are a good place to follow trends in trading. What many investors do is take a consortium view of international stock exchanges daily trading trends.

It may also be a good idea to take a consortium view of today’s trading experts. By following trends in international stock exchanges and trading experts, trend following is the key to success in trading.

Trends in Forex Trading

Trends in forex trading are a very simple forex strategy that helps the traders to estimate the price movements of a currency pair. It helps in estimating appropriate entry and exit points for a currency pair. Trend trading is being used by the forex traders at all levels for successful trades.
When you collect all the data points from the past and plot them into the chart, you start seeing a direction in which the currency prices are heading towards. This is called the trend in forex which lets you estimate the prices of currency in the future based on the analysis of past currency movements.

Types of the trend:

There are basically three types of trends that are seen in the forex market, i.e. uptrend, downtrend, and sideways/horizontal trend.

Uptrend: It is a series of the escalating highs and lows. In an uptrend, each successive low must not fall below the last lowest point. Otherwise, it is considered a reversal;

Downtrend: it is a series of the descending highs and lows;

Sideways/Horizontal trend: It occurs when there is very less movement up and down in the peaks and troughs. Some experts believe that is rather not a trend since it does not show any direction or movement.

Apart from the type of trend based on direction, it can be a long-term trend, or an intermediate trend, or a short-term trend.  The long-term and intermediate trend is a collection of various short-term trends.


Trendlines are the lines which are used to define the trend in a currency pair. It is basically a charting technique. It is trendline only that helps us to identify the trend accurately, especially in the case of reversals, trendlines are helpful for easy identification. Trendlines help the traders to successfully estimates the points at which the currency pair shall move upwards or downwards.

There are many benefits of trend trading in forex. But, you need to learn how to identify and understand trends to take profitable decisions instead of losing money by investing against the trends. Trend trading helps you escape out a bad trading strategy only if you study the trends accurately. Moreover, studying trends in different currency pair help you identify currencies with better pips available. Trade in currency pair that has strongest trends to earn more profit. That’s the reason trend trading is so popular.

How to succeed in forex trading

If you can earn big by trading in forex, then there are equivalent chances than you can also lose big. There are no golden rules that can be learned to become a successful forex trader. Trading in forex is an art that gets better with patience and practice over the period. So, you also need to invest your time in learning as well, with money to master the art of forex trading.

Here are some of the tips that can help you become a successful forex trader:

  • Identify yourself:

Before just jumping into the forex market and start trading, you need to identify yourself, i.e. your financial goals that you need to achieve with forex trading and determining your risk tolerance. This will help you estimate the amount of money that you are ready to invest in forex market comfortably based on your risk appetite even if you lose it.

  • Make a master plan:

You need to create a definite plan that will list how much time you will invest in learning, at what point you will start trading, when will you consider pulling out of the market when you are losing money and much more. Do not just create a plan you need to stick to it, so that you have defined an action plan.

  • Invest time in learning:

Forex trading is not a rocket science that cannot be learned. In fact, it is very easy to learn with just a few things that you should know. At least try learning the basics first before you start trading in the market. There is ample of material available over the internet and offline also that you can use.

  • Go slow:

Forex trading is a risky affair with equivalent chances of losing and gaining the money. So, do not rush and take small steps at a time. Do not invest too big amounts at one time and define the exit points where you will pull out of trade in case you are losing money to minimize the losses. Also, consider a secondary earning option apart from forex trading to safeguard yourself from huge financial disasters.

  • Keep yourself informed:

You need to keep yourself informed about the various factors that affect the prices of the currencies in the market. It can be economic conditions, political conditions, or any natural disasters that can bring a change in the currency movements. So, you need to be updated about all the market news so that any profitable opportunity does not go unnoticed.

  • Keep a trade journal:

Making a note of all your trades in a journal whether it was profitable or not. This will help you study the strategies that you followed in the past which results into profit as well as losses and help you learn from your own mistakes as well as successes.

  • Be patient:

Patience is key to success in forex trading. It takes some time to gain an understanding of all the aspects of the markets. Also, do not just lose heart and stop trading if you are just losing money. Rather, hold yourself up again and restart with newer strategies.