Investment TBC

If you followed the convention of spending two months salary on the diamond engagement ring with which you proposed to your girlfriend, who is now you wife, we are talking about some serious money. So wouldnt you want to protect that investment in case your wife losses the ring or damage it from wearing it every day?

As with any kind of insurance, the right engagement ring insurance makes financial sense. Insurance give you some protection for your monetary investment and gives you peace of mind in case the engagement ring is lost or stolen. While you may not be able to replace the sentimental value connected with the ring, at least youll be able to get a replacement ring without too much of a financial burden.

Most homeowner’s and renters policies come with jewelry coverage as part of the over-all policy. The limit for the coverage is usually low, typically in the range of $1,000 to $5,000, after the policy deductible is met. If you have fine jewelry such an expensive diamond engagement ring that is worth more that the limit of the coverage, you need to pay an additional premium to buy additional coverage for the ring.

The problem with jewelry coverage under a homeowner’s or renters policies is that most likely the policy does not cover damage or loss to the engagement ring outside the home and only provide cover if the loss happens inside the covered property due to fires or theft.

If you want an insurance policy that covers a loss or damage away from home, you need to purchase a stand alone policy thru a company that specializes in jewelry insurance. Many of the major home and auto insurers also offer jewelry insurance policies. Knowledgeable jewelers should be able to give you names of insurance companies that offer that kind of policy, if they dont sell the policy themselves.

Some jewelers, as a service to their customers and to make some additional money, sell stand alone jewelry policies that are underwritten by insurance companies. Just be sure to do some comparison shopping to make sure you are not being over charged for the policy.

The best jewelry insurance policy is a replacement type policy that would replace your loss or damaged ring with a ring of like kind, at the current value. For example, if you own and insure a diamond engagement ring from Tiffany and the ring is loss, the policy will replace the right with a similar ring from Tiffany and not from Kay jewelers, for example.

The most common and least expensive type of policy is the actual value policy, which replace the cash value of your ring, minus any depreciation. This type of policy is similar to an auto insurance policy, where in the event of a total loss; the insurance company would pay the current value of the auto, minus any depreciation.

When shopping for a engagement ring insurance that fits your needs, be sure you know the type of coverage you are getting so you dont get a big surprise if you ever have to file a claim and only then discover that the coverage is not what you thought it was.

Premiums vary depending on the type of policy, the policy limit, the deducible, and where you live. As with other types of insurance, shopping around will get you the best deal. But in general, engagement ring insurance is relatively inexpensive compared to the price of replacing a valuable diamond engagement ring, and the peace of mind of being able to wear your ring without constantly worrying about losing it far outweighs the cost of the insurance.

Even in todays less than stable economy, many investors in the Melbourne area are finding that they are able to achieve financial success by looking into investment properties Melbourne . This can be a fun process that requires less knowledge of hard financial procedures than other investments, such as investing in the stock market. Instead, a basic ability to research housing trends, and a good source of information could point you in the right direction. However, before you sign any contracts, be sure that you have a firm idea of how to evaluate the real estate. You will need to know if this property has a good chance of succeeding. With a few simple evaluation techniques, you should be able to narrow down the options. The first step towards purchasing any investment properties Melbourne is of course to locate them. To do this, you will have to conduct a fair bit of research. Checking local real estate sites or getting in touch with brokers will give you access to the latest listings. However, its important to remember that older or more obscure properties, which might be a good investment, arent always on the internet for you to locate from your couch. You might have to go out in the field with a qualified broker to see these types of properties. Newspapers often have these listings, so its worth browsing through the real estate section on Sundays.

Those that are thinking about getting involved with off the plan Melbourne investment opportunities for the first time should know that it can be a complicated and overwhelming process. It helps to work with a real estate investment firm that specializes in these types of concept and design driven situations so that you can make the best decisions for your financial future. The firm that you work with should have a good reputation in the Melbourne market and should have experience with all types of properties, from apartments to terraces.

You might be keen to find your investment properties Melbourne on your own, but a real estate broker can help out in several different ways. They can not only help you visit properties, but they will also be able to tell you what comparable properties have sold for, which will help you make a sound financial decision. Something may look good on paper to the untrained eye, but be virtually unsellable to the real estate professional. Once you have narrowed down your initial search to a few promising properties, you will then need to further evaluate them.

That rate of return is something to keep in the back of your head before you purchase the investment properties Melbourne. Although purchasing a piece of older property with the intention to renovate it could yield a high return, it will most likely take a great deal of time to do so. Making repairs takes time and effort. Therefore, those who are looking for fast cash may wish to search elsewhere.

The term “House & Land” package is often used loosely. In an ideal world every Home & Land Package promoted would include fixed price site costs completely checked against developer guidelines and council requirements, etc. In reality this is very difficult with so many homes that could potentially be packaged onto so many blocks of land.

Bhopal, located in central India, is the capital city of the Indian state of Madhya Pradesh. Also known as the Lake City of India, Bhopal has beautiful landscape that is dotted with many natural lakes.
Bhopal is divided into 6 major areas and around 75 suburbs. The major areas in Bhopal include New City and Old City. The economy of Bhopal is essentially divided into modern and traditional industries.
The prominent industries in the old city are those of cotton, electrical goods, jewelry and chemical. Some other industries are involved in cloth weaving, making sports equipment, sealing wax and making matches. The Old City also has many garages that specialize in automobile conversion and are popular for producing modified and tuned motorbikes, SUVs and cars.
On the other hand, being the state capital, it is of a more industrial nature and accommodates many reputed insurance companies, banks and other financial organizations.
M P Nagar is Bhopal’s most prominent commercial area and accommodates many reputed business houses.
Bharat Heavy Electricals Limited (BHEL), which is the largest manufacturing and engineering enterprise in India, has its unit in Bhopal. The industrial suburb of Bhopal is Mandideep, which accommodates many plants belonging to some of the esteemed companies including Eicher, Crompton Greaves, Procter & Gamble, Larsen & Turbo, Fujitsu and HEG.
The Madhya Pradesh State Electronics Development Corporation Ltd. is planning to develop an efficient Software & Hardware Technology Park in Bhopal. Multinational companies (MNCs) such as Taurus Microsystems, Fujitsu and Genpact are supposed to set up their centers in this Technology Park.
Some factors that make Bhopal an attractive prospect for investors are:
Strategic Geographic Location
Abundant and skilled man-power base
Availability of cheap labor
Availability of land at an affordable price
Peaceful political scenario and hence, peaceful law and order situation
Has a vibrant industrial base
Availability of rich and fertile land and natural resources
Apart from these, Bhopal has a well-developed industrial infrastructure that facilitates excellent interstate connectivity.
Roads in Bhopal have improved significantly in the past few years and are considered the best in the entire state. Bhopal also has National Highway 12 (NH12) passing through it and it connects it to the cities in to the east (Jabalpur) and west (Jaipur).
Bhopal, being a railway junction, has a well-developed rail network that connects it to other major Indian cities.
Bhopal also has a domestic airport called The Raja Bhoj Airport that’s located in proximity to the satellite suburb of Bairagarh. This airport has regular flights to and from major Indian cities such as Delhi, Mumbai, Indore, Ahmedabad, Raipur and Hyderabad. There are plans to turn this domestic airport into an international airport. Starting in 2010, this airport may have international flights operating to the Middle East.
Real Estate market in Bhopal
It would indeed be a wise option to invest in Bhopal real estate properties now when land prices are still low. Bhopal is developing rapidly. With many IT companies planning to set up their bases in Bhopal and other developmental measures on the cards, real estate prices in Bhopal are certain to increase. There are already many efficient and well-designed residential properties and commercial buildings and Special Economic Zones (SEZs) coming up in Bhopal.
Thus, this is the ideal time for investors to invest in Bhopal real estate properties, as they can reap huge benefits later. Investors can literally watch their money (property value) grow as the state government is investing an increasing amount of money to improve the city’s infrastructure, thereby increasing its value.

The report was released by the Frankfurt School-UNEP Collaborating Centre for Climate & Sustainable Energy Finance, the United Nations Environment Programme (UNEP) and Bloomberg New Energy Finance. The other main cause was policy uncertainty in many countries, an issue that also reduced investment in fossil fuel generation in 2013. Last years investment was $214 billion which was the lowest since 2009. Investments dropped by 14% from $249.5 billion in 2012 to $214 in 2013.

As per Fiinovation, the key highlights from the report to be noted include:

Descended cost of the total investment by 14%

Improved cost-effectiveness of solar photovoltaic systems

Reduced solar PV outlays by 20%

Increased investment in renewable energy from China and Japan

Fiinovation is in favour of this being a good trend that is intended to improve over the years. Since non-renewable energy resources are being continuously depleted, the demand for investment in renewable energy is increasing. An interesting trajectory has been the significant investment by China in renewable energy which has been more than the contribution from Europe. However efforts need to be directed towards enhancing investments from developing nations and under developed nations.

Despite the decline in total investment due to specific reasons, it was not at all disappointing for the industry or people who wish to see the investors and financiers increasing their investments to decarbonisation of the energy system. The report highlighted the role of Japan which has increased investment to $29 billion which excludes research and development. It is believed that there is a need to recycle finance in this sector and mergers and acquisitions can be one method to do so.

Fiinovation is aware of the fact that policy support was not futuristic for renewables in countries such as US, Germany, India, the UK, France, Sweden, Romania and Poland which delayed the investment decisions. While in countries like Spain and Bulgaria, retroactive subsidy cuts for existing projects almost killed off investment entirely. Investments by India in renewable energy dropped by 15% from $7.2 billion in 2012 to $6.1 billion in 2013 due to policy paralysis. It is expected that the challenges will be tackled and investments in renewable energy will increase significantly in the years to come.

Rahul Choudhury

The elevation group has been hitting the newbies hard with their wealth system. The elevation group scam was not aware that many would fight this new plaque that has hit the internet to scam newbies out of their money by promising yet another wealth system.

One of the most basic principles in spending your money is to perform due diligence. Due diligence is the foundation for investments such as buying a house, a car or even an internet marketing product. Investing your money wisely with an expectation of a return is a requirement to succeed.

Therefore, if you see an opportunity, whether it is a house, a stock, or an internet marketing product that claims to make you money, you must do your proper due diligence.

Due diligence will include a full investigation of all aspects associated with the product, and then using your own intuition combined with the facts of finding, you will be making an informed choice on whether to proceed with your investment.

The Elevation Group.net, Inc was formed in September 2009, and incorporated in Nevada by Michael N Dillard in November 2010, Michael N Dillard filed an article of corporation with the State of Texas as a Foreign corporation. The name of the corporation in Texas is The Elevation Group, Inc with the assumed name of The Elevation Group.net, Inc. The registered agent of the corporation is Michael N Dillard, and the sole director listed is Michael N Dillard.

Additional contact for The Elevation Group is listed as a PO Box owned by Vested Wisely, LLC which is a corporation owned by Kip Herriage. CEO and co-founder of Wealth Masters International, LTD. Wealth Masters International was founded in 2005 by Kip Herriage and Karl Bessey.

Kipp Herriage is founder and Editor of a newsletter, Vertical Research Advisory, LLC, a newsletter started in 2006 and appears to now be defunct as last publication is listed in March 2009. Kip Herriage is also author of a book “Crash Proof, Becoming Wealthy in the Age of Risk”. Herriage received a BBA , Business, Marketing, Finance from Sam Houston State University, 1981 ? 1985.

Herriage claims to have worked for TWO of the largest U.S. investment firms for over 15 years As Vice President, Financial Planner, and Money Manager, In two separate interviews Herriage has claimed to work for ONE of the largest U.S investment firms for over 15 years, while in his blog he states “For over 15 years I was a Financial Advisor and Vice President of Investments for two of the most respected firms on Wall Street. He never actually reveals what 1 or 2 firms he worked for.

His 15 years place him from 1984 to 1999 when he said he left the corporate world. Meaning he worked for Wall Street while he was still in College in Texas (long commute, I know)

Karl Bessey, President of Wealth Masters International is from Utah and a former coal miner for 22 years. Wealth Masters International sells ‘wealth creation’ products intended to help people invest in stocks, commodities and securities. Membership in the company ranges from $295 up to $19,995. The premise behind Wealth Masters International is a MLM scheme in which customers can derive up to $1000 commission for signing on a downline customer for the $9,995 package.

The actual product of WMI appears to be MLM based where the wealth creation is actually from signing on new customers and not actually promoting any physical products other than a couple DVDs, newsletter and conference calls (webinars) with financial experts.

According to The Wealth Masters International website, WMI claims to be one of the world?s fastest growing financial education and consulting firms, with 35,000 members and operations in over 140 countries. Kip is also the Publisher of Vertical Research Advisory Investment Newsletter (VRA), a top-ranked financial publication (this fact is unverified). His uncanny predictions, including the remarkable recent rise of gold and the failure of the U.S. economy have earned Herriage the nickname “The Nostradamus of Finance.” (apparently only by Wealth Master International as sources in the Financial sector never heard of him).

Wealth Masters International was also the primary product and source behind another company formed with the help of Mike Dillard, Carbon Copy Pro. Jay Kubassek and Aaron Parkinson formed Carbon Copy Pro in 2004. According to the Wealth Masters International review, Carbon Copy Pro was created by founders Jay Kubassek and Aaron Parkinson with the help of Mike Dillard as a solution for struggling network marketers who needed an automated and high converting system to build a profitable business online.

Carbon Copy pro business premise was to build thousands of websites with the primary business of selling memberships as in a direct selling or MLM business model. Mike Dillard Quotes on his website: The Carbon Copy Pro master plan is hinged on the distribution of as many sites as feasible to sell the products of WealthMasters world so that instead of only 1 site promoting a single product, there will be thousands of sites promoting the product.

It has recently been announced by Wealth Masters International, that they are totally and completely severing all ties with Carbon Copy Pro, as of Friday 12/10/2010. (just prior to the launching of The Elevation Group).

These two organizations have been together for years, with WMI being the main product offering by Carbon Copy Pro for the people there making all the big bucks. WMI made the announcement to sever ties with Carbon Copy Pro several days ago, The Carbon Copy Pro has not made any mention of this on their site.

It appears from this research that Mike Dillard is merely repackaging rehashed information that he has sold for the last several years. Carbon Copy Pro sells a product called Black Box, the same product Mike Dillard claims will teach you to make money. Ironically, both products have the same ‘sales pitch’ information.

Wealth Masters International was the backend and primary product to Carbon Copy Pro for years and is now associated and partnered with Mike Dillard on The Elevation Group. The rehashed premise behind WMI is that they will show you how to make money in the recessive economy, and protect you from eminent failure of world economies.

It should also be noted that Neither Mike Dillard, Kip Herriage or their respective companies are listed with The Secretary of State in Texas under Title 7, which requires any person giving financial advice for compensation to register with the State.

Although both company sites claim they do not provide investment advice or financial planning, they use terms such as investment, financial success, and their newsletter offers to show you how to invest, yet they claim to be financial educators.

The bottom line is simply, Mike Dillard’s The Elevation Group is a rehash of Mike Dillard’s Carbon Copy Pro promoting selling memberships to Wealth Masters International and rehashing the WMI financial theories on the economic markets.

It is my opinion they are avoiding openness to avoid scrutiny of what is really behind their product and premise. Mike Dillard is not showing you how to make money or secure your financial future, he is selling you a rehashed and reworked plan from Wealth Masters International that is old hat advice from the early 2000’s

You do not have to be taken in by the mike dillard scam – You can make money and earn extra income online for free. No website needed and no programs to join or mlm companies to promote. This forum offers a great deal of step by step plans, 100% ad free forum, free blogs to use, free CMS to post articles, free Warrior Special Offers section and more. All dedicated to helping you actually build a business.