Understanding Bond Prospectus

One of the basic tasks to be done before investing in any asset is to understand the contractual terms of the asset transfer. Be it land, gold, equity or bonds. In case of bonds, similar to equity shares, bond issuers file bond prospectus with the regulatory authorities stating the terms of agreement. When the bonds are offered to the public, bond issuers submit the offer documents comprising latest financial statements, offering memorandum or prospectus with the regulatory authorities which can be accessed by general public.

Investors may find two types of bond prospectus, which are typically issued in two stages: preliminary prospectus and final prospectus. Preliminary prospectus which is also called draft or red-herring does not contain the pricing details and size of the bonds offers. Once the road show is completed and a final price is set, a final prospectus is published with all the details. Since some of the terms in draft prospectus are printed in red, it is called as red-herring prospectus. The draft prospectus may go through several iterations based on the demands from the market before a final price is set.

Typically the bonds offered under REGS or 144A rule contain the following information: details of issuers and guarantors, terms of the bonds, risk factors, use of proceeds, pro forma capitalisation structure, corporate structure, description of existing debt, description of notes or bonds offered, details of the underwriters, arrangers, and trustees of the bond. It also gives the legal information such as the governing law of the agreement, validity of the securities, enforceability of the civil liabilities and general information on bond listing, clearing. The latest financial statements are also attached with the prospectus, also with the details of the industry dynamics and overview of issuers business and credit profile.

The main advantage of familiarizing with the terms of the bonds is it keeps investors informed of all the parties related to the bonds. The corporate structure laid out in the prospectus will give a clear view of the related parties and helps investors clearly understand the bearing of the liability (such as guarantee, collateral) on each of these parties. At times when market reacts to negative news about any issuer, a well-informed bond investor can assess the impact of the news on each of these parties. He/she has the opportunity to act on the information available rather than on false alarms about the issuer. For example, consider a coal mining company which has issued bonds against collateral of assets held in North America and certain assets held in China. Unless, investors know which assets in China are secured, he will react on any negative news regarding Chinese coal mining sector. Similarly, bond investors must also know the rights and protection available to them as per the agreement. In case of default, bankruptcy or other credit events, investor who is aware of the legal implications of the enforceability of their rights and protection gains competitive advantage over other investors.

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Though it sounds cliché, it is of utmost importance to read the offering documents of bonds before investing. And as a corollary, investors should get the all offer documents vetted through their financial advisors and legal support in order to fully understand and appreciate the terms of these agreements.

Chirag Sharma is Digital Marketing Consultant in SJ Seymour group headquartered in Hong Kong. SJS Markets provides research, advisory, execution services and private wealth management solutions.

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Selling Doesn’t Always Require a New Buy for Safe Investing

Selling a stock or mutual fund does not mean you always have to buy a new one immediately. There are circumstances when this is not advisable, not the best way to follow a path of safe investing.

Too often people think that just because a stock was ‘stopped out’ and sold they have to immediately pick a new one and buy it that day. While many investment software strategies may give you such recommendations there are situations when this is not the best course.

Following a Weekly Strategy

If your investment technique or your investment program is based on a weekly or even monthly evaluation what do you do when an ETF sells mid-week because you have ‘stops’ set with your broker?

Rather than panic wondering what to buy it is easier and just as rewarding to simply follow your established strategy. In other words, if you normally evaluative or update your strategies on Saturday, wait until then to decide what if anything to purchase next.

By waiting until your normal time you will achieve three results:

  1. Less stress
  2. Your ‘buy’ decision will be based on your normal process
  3. You will better know if it is even time to ‘buy’ or take a break from investing

Using a Daily Strategy

If you examine your portfolio or retirement account every day and a position sells out mid-day, the principle is the same as if it were a weekly strategy. Wait until your normal time to update your strategy and then make a decision on what, if anything, to purchase.

Let your Technique Rule

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By following your technique, your normal process of evaluating buy/sell recommendations from your investment software you can avoid:

  • Making a buy decision based on yesterdays or last weekend’s information
  • Being sure your software doesn’t give a market exit signal
  • Rushing a decision

The other advantages of this process includes that you do place stop orders on your investments based on your strategy rules. This helps you to lock in profits and minimize losses.

Also, by waiting until your normal time to evaluate your investments you will not suddenly, or worse, repeatedly find yourself exceeding the amount of time you want to spend managing your retirement or wealth accounts. In this way you won’t get discouraged and decide you don’t have the time to handle your future and give up the potential to grow your portfolio.

A good investment software program will enable you to invest safely and profitably and not cost you money just because you wait for your normal evaluation or decision making time.

Author Raymond Dominick is the designer of Dynamic Investor Pro investment software for stocks, ETFs and mutual funds. He has been investing in the markets since his teenage years. An experienced business manager and journalist, he has been a registered investment advisor representative, also a professional photographer who loves escaping to the wonders of Glacier National Park in Montana. View his software at: http://www.dynamicinvestorpro.com

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As The Mini-Van Goes, So Goes the Economy

In a recent talk with an investment club, I was asked to compare the cyclical demographic problems our country is facing, to something that you can actually see in society today. The most fitting analogy I came up with was the mini-van. Think about it. Sure they’re around, but nowhere en masse like they used to be 10 or 15 years ago. In 2000, Americans bought 1.4 million minivans, which made up 8% of all auto sales. But by 2012, that number had fallen by nearly two thirds, to just 500,000, and today only 3% of all auto sales are minivans.

Did American kids stop taking piano lessons and playing soccer? Of course not. It is simply the effect of changing demographics in the U.S. 1961 saw the peak of the baby boom. Jump ahead 30 years when most people have children in the 1990s, and those 30-something baby boomers became parents, constantly carting around the rug-rats in every direction, but those days are over. My son Josh is now in college, and I drive almost 1/3 as much as I used to. No, I never had a mini-van thank you! Not so coincidentally, this just happened to come at the point in my life when I started thinking about my retirement. While spending less in the economy, I was also starting to save more for my golden years 20-30 years down the line. At $4 a gallon for gas that was a big savings for me, and also a whole lot less was spent on stuff I no longer needed. This trend was nationwide, for by the early 2000s, most baby boomers had hit 40.

Where are those baby boomers today? They are now in their 50s and 60’s, and things like pizza parties and basketball or soccer practice are distant memories. Our children, the echo-boomers, are moving out of the house and some already have kids of their own. The minivan was a vehicle created for baby boomer parents, and its rise and subsequent fall corresponded perfectly to the family formation cycle.

Are min-vans coming back? Hell no. No one thinks their parents’ tastes are “cool”. We rejected our parent’s wood-paneled station wagons, and our children will reject minivans. A young mom may proudly take her son or daughter to soccer practice, but that doesn’t mean she wants to be called a “soccer mom.” What they will drive is anybody’s guess, but you can rest assured that the major automakers are asking themselves the same question.

One interesting trend is that luxury automakers are taking a different tack. For as long as I can remember, we Americans have loved the bigger, higher profile cars in order to impress. The new generations of high-income consumers are not only looking for the perfect combination of comfort and style, but also to be eco-sensitive. This is why we’re seeing almost all of the high-end brands rolling out smaller luxury cars. Have you seen the new Ferrari hybrid? Ferrari just unveiled a new 789-horsepower gasoline engine, and a 160-horsepower electric motor V12-powered hybrid supercar that can go from a dead stop to 62 miles per hour in under three seconds, with a top speed of 205 miles an hour!

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Unfortunately, we are still 5-7 years away from the echo-boomers hitting their peak spending years. Most of them are just finishing school (Josh is just a freshman at University of Arizona) and entering the workforce. No matter what else happens in the news, this is the single most important trend we will see for decades. The last boom of the 80s and 90s was a consequence of the baby-boomers settling down, raising families, and spending money in the economy.

The 2020s will be a decade in which fortunes are made. Until then, there are still plenty of ways to prosper. The key is to be properly invested in a portfolio that is designed to get the best returns with the least risk possible, as our investment approach is built to do.

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In Bitcoin We Trust?

By now you have probably heard of Bitcoin, but can you define it?

Most often it is described as a non-government digital currency. Bitcoin is also sometimes called a cybercurrency or, in a nod to its encrypted origins, a cryptocurrency. Those descriptions are accurate enough, but they miss the point. It’s like describing the U.S. dollar as a green piece of paper with pictures on it.

I have my own ways of describing Bitcoin. I think of it as store credit without the store. A prepaid phone without the phone. Precious metal without the metal. Legal tender for no debts, public or private, unless the party to whom it is tendered wishes to accept it. An instrument backed by the full faith and credit only of its anonymous creators, in whom I therefore place no faith, and to whom I give no credit except for ingenuity.

I wouldn’t touch a bitcoin with a 10-foot USB cable. But a fair number of people already have, and quite a few more soon may.

This is partly because entrepreneurs Cameron and Tyler Winklevoss, best known for their role in the origins of Facebook, are now seeking to use their technological savvy, and money, to bring Bitcoin into the mainstream.

The Winklevosses hope to start an exchange-traded fund for bitcoins. An ETF would make Bitcoin more widely available to investors who lack the technological know-how to purchase the digital currency directly. As of April, the Winklevosses are said to have held around 1 percent of all existent bitcoins.

Created in 2009 by an anonymous cryptographer, Bitcoin operates on the premise that anything, even intangible bits of code, can have value so long as enough people decide to treat it as valuable. Bitcoins exist only as digital representations and are not pegged to any traditional currency.

According to the Bitcoin website, “Bitcoin is designed around the idea of a new form of money that uses cryptography to control its creation and transactions, rather than relying on central authorities.” (1) New bitcoins are “mined” by users who solve computer algorithms to discover virtual coins. Bitcoins’ purported creators have said that the ultimate supply of bitcoins will be capped at 21 million.

While Bitcoin promotes itself as “a very secure and inexpensive way to handle payments,” (2) in reality few businesses have made the move to accept bitcoins. Of those that have, a sizable number operate in the black market.

Bitcoins are traded anonymously over the Internet, without any participation on the part of established financial institutions. As of 2012, sales of drugs and other black-market goods accounted for an estimated 20 percent of exchanges from bitcoins to U.S. dollars on the main Bitcoin exchange, called Mt. Gox. The Drug Enforcement Agency recently conducted its first-ever Bitcoin seizure, after reportedly tying a transaction on the anonymous Bitcoin-only marketplace Silk Road to the sale of prescription and illegal drugs.

Some Bitcoin users have also suggested that the currency can serve as a means to avoid taxes. That may be true, but only in the sense that bitcoins aid illegal tax evasion, not in the sense that they actually serve any role in genuine tax planning. Under federal tax law, no cash needs to change hands in order for a taxable transaction to occur. Barter and other non-cash exchanges are still fully taxable. There is no reason that transactions involving bitcoins would be treated differently.

Outside of the criminal element, Bitcoin’s main devotees are speculators, who have no intention of using bitcoins to buy anything. These investors are convinced that the limited supply of bitcoins will force their value to follow a continual upward trajectory.

Bitcoin has indeed seen some significant spikes in value. But it has also experienced major losses, including an 80 percent decline over 24 hours in April. At the start of this month, bitcoins were down to around $90, from a high of $266 before the April crash. They were trading near $97 earlier this week, according to mtgox.com.

The Winklevosses would make Bitcoin investing easier by allowing smaller-scale investors to profit, or lose, as the case may be, without the hassle of actually buying and storing the electronic coins. Despite claims of security, Bitcoin storage has proved problematic. In 2011, an attack on the Mt. Gox exchange forced it to temporarily shut down and caused the price of bitcoins to briefly fall to nearly zero. Since Bitcoin transactions are all anonymous, there is little chance of tracking down the culprits if you suddenly find your electronic wallet empty. If the Winklevosses get regulatory approval, their ETF would help shield investors from the threat of individual theft. The ETF, however, would do nothing to address the problem of volatility caused by large-scale thefts elsewhere in the Bitcoin market.

While Bitcoin comes wrapped in a high-tech veneer, this newest of currencies has a surprising amount in common with one of the oldest currencies: gold. Bitcoin’s own vocabulary, particularly the term “mining,” highlights this connection, and intentionally so. The mining process is designed to be difficult as a control on supply, mimicking the extraction of more conventional resources from the ground. Far from providing a sense of security, however, this rhetoric ought to serve as a word of caution.

Gold is an investment of last resort. It has little intrinsic value. It does not generate interest. But because its supply is finite, it is seen as being more stable than forms of money that can be printed at will.

The problem with gold is that it doesn’t do anything. Since gold coins have fallen out of use, most of the world’s gold now sits in the vaults of central banks and other financial institutions. As a result, gold has little connection to the real economy. That can seem like a good thing when the real economy feels like a scary place to be. But as soon as other attractive investment options appear, gold loses its shine. That is what we have seen with the recent declines in gold prices.

In their push to bring Bitcoin to the mainstream, its promoters have accepted, and, in some cases sought out, increased regulation. Last month Mt. Gox registered itself as a money services business with the Treasury Department’s Financial Crimes Enforcement Network. It has also increased customer verification measures. The changes came in response to a March directive from Financial Crimes Enforcement Network clarifying the application of its rules to virtual currencies. The Winklevosses’ proposed ETF would bring a new level of accountability.

In the end, however, I expect that Bitcoin will fade back into the shadows of the black market. Those who want a regulated, secure currency that they can use for legitimate business transactions will pick from one of the many currencies already sponsored by a national government equipped with ample resources, a real-world economy and far more transparency and security than the Bitcoin world can offer.

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After the Bitcoin bubble bursts, we won’t even be able to use the leftover coins for jewelry.


1) Bitcoin, “About Bitcoin”

2) Bitcoin, “Bitcoin for Businesses”

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Wholesaling Strategy: What’s The Best Market For New Investors in 2013?

Which real estate market is best for new real estate wholesalers in 2013?

The news is full of headlines about various housing markets around the country every day, debating their pros and cons. Sometimes they even predict an imminent new housing bubble or paint a picture of gloom among foreclosure ridden neighborhoods for the same city in the same day. So if you are new to wholesaling houses, where’s the best place to get started?

There are various ways to pick new ‘hotspots’ from lists on industry blogs to following job growth, business relocation, rents and even birthrates. However, the truth is that there are deals to be done virtually everywhere today.

As a real estate investment strategy wholesaling homes is a little different, and may not require the extended hands on and babysitting that rehabbing and flipping or buy and hold rentals do. Still, newer investors may often find that sticking close to home is the best move. If they’ve been watching the local market, own a home there and have an eye on trends they can do a much better job of estimating values and demand, rather than on homes clear across the country that they’ve never seen.

Some investors contest this wholesaling strategy due to the fact that they are in extremely high cost markets and want to pay cash. This is almost understandable if the median home price in your zip code is $700k or $1.5 million, but educated wholesalers know that they don’t really need to use their own money to buy, and are often better not using it, even if they have the extra cash laying around.

Still, if you are in this pool, then many investors in a recent thread on a popular real estate forum suggested looking for markets within a two hour radius of home base. This can be by foot, car, air or water.

Still struggling? Perhaps try some of your favorite vacation spots where you will visit frequently anyway, and already own or would like to own a second home or retirement property anyway.

Don’t be fazed by price, niches, etc., it’s all pretty much the same game with a few quirks.

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Finally, those getting into wholesaling houses that are concerned about competition from other investors and buyers may find their sweet spot in looking for the inventory. Today this may include heavily hit foreclosure markets in Florida, Illinois, Southeast Michigan, Las Vegas, New York or even Phoenix which is ramping up for another growth spurt.

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Recommended Binary Options Broker

One of the fastest kinds of investment in the world of finance is the Binary Options Trading. It is the kind of option or contract where the buyer pays off a small and fixed amount of assets or nothing at all. This option has many advantages and one of which is that it allows investors to do small trades for bigger gain or return on investments with a minimal risk. Therefore, a recommended binary options broker is necessary.

Finding a recommended one can be a daunting task. There are several criteria, which you have to consider while selecting the best and recommended binary options broker. It actually depends on the type of trade that you want to go into. There are trades, which are limited and there are those, which allow all types of trade.

How to Look For a Good Binary Options Broker?

It may not be an easy task to find reliable and recommended binary brokers today especially when there are many scammers pretending to be professionals. These scammers may even charge you for a huge amount of money. Learn the facts and aspects about them so you can avoid the scammers and instead find the excellent and recommended binary options brokers that can help you to predict the prices of your investments.

Many of these binary options brokers have platforms and assets that are very much alike. Make sure that the recommended options brokers that you choose should be transparent, secured and reliable. Their trading platform should be simple, fast and easy. They should have excellent customer service that is readily accessible in case that you need their assistance. Deposits and withdrawals should be hassle free and should offer a wide variety of choices and their assets should have a thorough range of indices and stocks. In addition, binary options brokers should also serve clients in different languages.

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Why Recommended Binary Options Brokers Are Important?

Having a reliable binary options broker is extremely important to ensure the success of your investment. They assist you on the prices of stocks as well as commodities, which should result in profit gains in a short period. Recommended binary trading brokers are those that have proven track of records. They can provide you different kinds of assets for your investment like forex, stocks and commodities.

The process of this trade involves you and your broker wherein you are not actually buying a fixed asset. Your broker can choose a certain period and can state your guess on how the price will progress. Brokers also have the ability to get information about the purchase you made in a fixed period of time, which in turn can provide you the possibilities of your transaction from the beginning that you made your purchase.

In conclusion, one of the best advantages of this trade is that you will have the chance to speculate on the biggest and most diversified markets available. Recommended binary options brokers can administer your portfolio; can inform you about your purchase and its expiration date including how much profit you can get from your investment.

This article has explained importance of binary brokers in an investment market. In addition, if you want to have the best brokers’ services then any recommended binary brokers, which is according to your criteria, is the best option.

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How Temple-Run Changed My Investment Perspectives

Temple-run has maintained its place in the top-five android games since its launch few years back. Irrespective of the hundreds of new games added everyday on the android platform, Temple-run has not lost its place from the popularity charts. But this article is not about how to play it or why has it maintained its position. The purpose of this article is to tell you about how playing Temple-run changed my investment perspectives. Sounding funny? No, it is not!

I didn’t have an android smartphone when Temple-run got released. When I bought one, everyone was already playing on the second version. Thus I did not spend time in running around the dark runway of the first one, but directly downloaded the second one.

To give slight technical background, it involves running away from the monster on a path, where you get golden coins and few power-ups on your way that can enhance your longevity, security or cash-balance. I had not explored the game much and played it plainly by just running ahead while collecting as much power-ups and coins I could collect in one run.

When my daughter, who is just 7 years old, took control of the mobile to play Temple-run, she was amazed to see lots of coins lying silently in my account. She was irked to see only the first character, Mr Guy Dangerous, running around all the races. As she was found of Ms Fox, Mr Bones and Ms Lee, she bought all those characters by ‘wasting’ thousands of my saved coins. I was horribly disturbed when I first saw my balance that had depleted heavily on some ‘avatars’ which were running just the same, not adding any features or qualities. But she insisted.

Later she started buying the ‘abilities’ and that made me to change my outlook.

The abilities, though highly priced, enabled me to attract more coins, increased the coin value, prolonged the shield duration and thus the security, pushed the boost-distance, and most important of all – helped me to collect more power-ups while losing less gems in getting saved. As a result, I could regain my apparently lost balance much early, and could score much more than expected in amazingly least distance. It helps me every day to complete my daily challenge and finish my weekly challenges within couple of days.

Now coming to the investment perspective part…

We often concentrate more on saving more and more money in our bank. If not bank, we put it in deposits, gold or stocks. When I renovated my clinic a few years back, I loosened my purse wide and installed many items of comfort which were not needed in the basic setup. But I found that after renovating the clinic by adding comforts in the waiting room as well as consultation cabin, patients were ready to pay me more during my annual fee-revision as well as they mentioned and referred the clinic to their peers.

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This strategy not only returned my invested, not spent, money within less than a year but also enhanced my clinic’s interiors forever.

There is no problem in saving in cash, gold, or stocks but Temple-run taught me that spending on your professional assets too can be an indirect investment, with better returns than expected.

Amit is practising & studying Homeopathy and Bach Flower Therapy for over a decade through his patients & students. As a research-oriented homoeopath, he has worked extensively in cases of Refractory Epilepsy, ADHD, Infantile Autism, and Plantar fasciitis. Thousands of patients, spread across all continents, have regained their health with his Ethical, Rational, and Patient-centric Clinical Practice. http://www.dramitkarkare.com

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