Category: Investment

I would like to give a review on the best online Investment Company, OIL RICHES. It is a very reliable company that created a High Yield Investment Program (HYIP) which gives you 100% assurance safety on your investment. Its profit rate depends on the amount you invest – the bigger you invest, the bigger your profit rate will be (profit rate ranges from 4%-2700%). It is an investment program I have also being investing my resources into all along and has being delivering as promised which is more reason why I can give you 100% guarantee on the programme. About OIL RICHES OIL RICHES is a legit registered Canada based Investment company – Fellowship Investments. It invest in real oil and gas capital market, it’s a very good opportunity, with a 7 years of experience – It opened its online investment platfrom on the 25th February 2013 (Its Canada Company Licence Number is CA54219002 )

Check on the internet for its domain registrar here: http://whois.domaintools.com/oil-riches.comRegistrant Contact: Fellowship Investments Keith Hunt 1498 Eglinton Avenue Toronto ON M4P1A6 Canada.

OIL RICHES is a fully guaranteed investment because it has a contract with a big word know Insurance company for possible loss. 5 Reasons why OIL RICHES investment program is more preferable to other investment programs. 1. It works 7/7. This means it operations cover from Monday to Sunday. This is very interesting in the sense that OIL RICHES pays you profit on weekend days too. 2. Unlike many other investment programs, OIL RICHES pays you your capital+the profit you have made immediately your investment days expires. Thereby, if you so wish, you can immediately withdraw your money (capital+profit) or re-invest for another period and get higher profit. 3. It has a perfect relationship with all its investors. You can easily make complains or tell them about any difficulties you are passing through with your account and 100% response is guarantee from their admin mails. Many other investment programs won’t continue to do this immediately they discover you have deposited your money with them. 4. Unlike many other investment companies, OIL RICHES have bigger investors from Russia, Indonesia, Nigeria and Saudi countries – these members invested private (not via website) millions of dollars in their programs – that means enough money is guaranteed to pay all their smaller investors. 5. Unlike many other HYIPs, OIL RICHES disclosed its 1st year plan which covers at least 1 year uninterrupted operation (From 25th February 2013- 25th February 2014), after which its committee will decided if to continue the programme for another year or not. WAO!!! No investment programme will ever disclose such secret to you.

FRANCIS HAASTRUP Director, i-Link Technological Services, Nigeria. For more info and assistance on OIL RICHES investment and others, visit: http://hyip2trust.blogspot.com , contact me on +2348074521866 or mail

The Perfect Retirement Investment

A perfect retirement investment would look something like this –
* You can’t lose money. Safety guaranteed.
* Your payouts can only go up. Never down. No matter what happens.

This retirement investment exists: variable annuities. Competition has made them better. Take a second look now, if you passed on them before.

There’s one type of variable annuity that has what you want. Don’t confuse it with the many other annuities out there. Here’s how it works –
* A state-regulated “Guaranty Fund” insures your money.
* $100K to $500K, depending on state.
* An insurance company guarantees your payouts.
* It must have the cash to pay you, by law.
* You get monthly payouts for the rest of your life, or until you withdraw your money.
* Your monthly payouts never go down.
* You can’t lose money.
* Your heirs get the balance, if you die before you get back what you put in.
* You can cash in your investment without penalty – typically after 8 years.

Insurance companies create annuities. You can buy from insurance companies, banks, brokers, insurance agents, and financial planners.
* Your retirement investment is made in a lump sum, or a series of payments over time.
* The annuity has a cash value which rises or falls with what it’s invested in, but
* You buy an annuity to get monthly payouts.
* Your monthly payout goes up if the annuity’s average cash value goes up over time.
* Some annuities offer a selection of “sub-accounts” like mutual funds. You can move your money among them.
* Your monthly payout can only go up with variable annuities. Never down.
* Payouts can last the rest of your life.
Safety from market volatility.

You can get monthly payouts right away. You can also defer payouts until sometime in the future.
* The longer payouts are deferred, the bigger they can get.
* Some companies grow your eventual payout as if the annuity’s cash value had grown at least 5% for each year you defer payouts,
* For example, if you buy an annuity for $100K, and a bear market drags the annuity’s cash value down to $80K the first year –
* Your eventual payout would still rise as if the annuity’s cash value had gone up 5% to $105K.
* This would happen every year, so long as you deferred payouts.
* If the annuity’s value rises to $110K the first year, your eventual payouts would reflect the 10% gain.
* If a 50-year old bought an annuity and deferred payouts until he was 60,
* His payouts would grow as if the annuity’s value had grown at least 50% (10 years X 5%), no matter what.

Things to Watch Out For

Sales Fees – Brokers and agents charge fees of 1% to 12% of your retirement investment. That’s huge. They’re paid by the insurance company, which is paid by you.
* Buy direct from “no load” insurance companies or from a financial planner to avoid sales fees.

Surrender Fees – Many annuities charge “surrender” fees if you withdraw more than a small part of your money before 8 years, on average. These fees can also be very high.
* “No load” companies usually don’t charge surrender fees.
* Big fees can crush your returns, so shop carefully.

Taxes – Annuities are taxed like IRAs.
* Payouts and withdrawals are regular income.
* Assets grow untaxed until they’re withdrawn.
* Withdrawals before you’re 59 get a 10% tax penalty.
* Don’t buy an annuity in an IRA.
* The IRA is already tax deferred, so you get no tax break for paying annuity fees.

Insurance Companies – The insurance company selling you the annuity must be solid.
* A.M. Best rates insurance companies.
* Find the A.M. Best books in the reference department of your library.
* Go with an A+ rating or better.

Inflation- Even with a variable annuity, your payout rises slowly with the average value of the annuity.
* Inflation can erode that income,
* So put only part of your retirement investments in an annuity.

Annuities are long-term investments.

They’re not made for fast trades.
* If you want guaranteed monthly payouts for life, variable annuities are a perfect retirement investment.
* You pay fees 1%+ above mutual funds to get this security.
* If you want tax-deferred capital gains, IRAs and 401Ks have lower fees.

Decide how much money you’ll need every month after retirement.
* Consider your Social Security, pensions, and any other retirement investment.
* With a variable annuity, you should be able to cover your basic expenses.

Don’t try for more with your annuity. Remember inflation risk.

I’ve described just variable annuities. There are many other kinds. Shop with care. Use advisers who work with several insurance companies.

NFIB and WIA to Provide Better Protection for Wine Investors

Millions of Britons enjoy drinking it and many now see it as a long-term investment. Unfortunately, fine wine has also become a focus for fraudsters who trick investors into buying wines or vineyards that bear little resemblance to what they see in the prospectus, or may not even exist. The increasing number of such rorts in Britain has led to calls for action to be taken to protect investors and to increase consumer confidence in fine wines. In the upshot, the UKs National Fraud Intelligence Bureau (NFIB) is joining forces with the newly-formed Wine Investment Association (WIA) to tackle the problem.

On 14 February 2013, the NFIB and the WIA jointly announced the launch of the new self-regulatory body which will aim to transform the growing wine investment industry by providing better protection for investors in the UK. The WIA has been formed by leading figures from the fine wine investment industry and seeks to support the sector’s growth through voluntary regulation, establishing best practices and setting up processes to identify fraudulent activity.

Director of the NFIB, Det. Supt. Dave Clark, said: “Fraudsters will always follow the money, wine investment is just the latest in a long line of investment opportunities that are being exploited and corrupted to the detriment of the industry as a whole. He added that the NFIB sees the creation of an auditable framework of self-regulation as a step towards maintaining and increasing consumer confidence, while also identifying investment companies which do not operate in accordance with the required high standards.

New Code to Tackle Wine Investment Frauds

Following an extensive consultation period, the WIA has set out the standards and procedures with which its members must comply to remain in good standing. Under the new code of conduct to be drawn up, wine investment firms will undergo stringent audits by accountancy firm Mazars. These will include checks on systems such as stock rotation and to make sure that purchase orders and invoices tally. The director of the WIA, Peter Shakeshaft, revealed that companies which successfully complete the independent audit process commissioned by the newly-formed regulatory body will bear a WIA logo offering consumers a trustworthy safety kitemark. Shakeshaft added: Our industry has been held back far too long by unscrupulous practitioners and issues around fraud. The WIA will really hold the industry to account.

A Proforma Income Statement (or proforma) is a proven way for real estate investors to evaluate the future cash flow performance of investment properties. Better than an APOD (which merely shows a property’s cash flow for the first year), proforma income statements enable investors to project-then-evaluate the investment real estate’s cash flow, tax benefit or losses, sales proceeds, and key returns out over a number of years.

The method is straightforward. The proforma starts with a propertys financials in the first year then applies a set of variables to make projections for the second year, then repeats the process for the third year, again for the fourth year, and so on; in each case, always applying a variable (of your choice) to the previous year in order to compute the revenue projections for the following year.

For example, if last year’s income was $30,000, the operating expenses $12,000, and the net operating income $18,000 ($30,000 income – 12,000 operating expenses), and you would like to determine next year’s net operating income in the event revenue increases 5% and operating expenses increases 4% you would compute next years net operating income as follows:

*Revenue less Operating Expenses = Net Operating Income
*Revenue = $30,000 + (30,000 x .05) = $31,500
*Operating Expense = $12,000 + (12,000 x .04) = $12,480
*Net Operating Income = $31,500 – 12,480 = $19,020

The same would hold true if you expect the vacancy rate to change from one year to the next. Say, for example, that the gross scheduled income for the rental property is $40,000, the vacancy rate is 10% and the gross operating income is $36,000 ($40,000 gross scheduled income 4,000), and you want to decrease the vacancy rate to 5% the following year. Then you would compute next years gross operating income as follows:

*Gross Scheduled Income less Vacancy Allowance = Gross Operating Income
*Gross Scheduled Income = $40,000
*Vacancy Allowance = $2,000 (40,000 x .05)
*Gross Operating Income = $40,000 2,000 = $38,000

This is the pattern for each year in the proforma starting with the end of year one and extending out through the end of year ten (i.e., EOY1 through EOY10). Specific variables are applied to this year’s data to recalculate the rental propertys financial performance for the next year. Including revenues, operating expenses, cash flows (before and after tax), tax liability, sale proceeds, and returns such as cap rate, net present value, and return on equity (depending on your particular proforma).

How do you create a proforma income statement?

1) You can invest in real estate investment software that will automatically create a proforma income statement for you. Just bear in mind, however, that software solutions tend to vary and whereas one might include computations for tax shelter, another might not.

2) You can use an Excel spreadsheet and manually create a Proforma Income Statement. Of course it helps to have some knowledge of Excel, and you should allow yourself plenty of time to create a good proforma.

Whatever method you choose, though, real estate investment software or a spreadsheet, here are a few important considerations to keep in mind about your statement.

1) Consider what you are seeking to accomplish with the proforma. You want to analyze the cash flow and other performance measures resulting from changes to such variables as income, operating expenses, and property value over future years.

2) The pro forma is just an estimate (a guess). Do not rely solely upon a proforma income statement to make your investment decision.

3) Though a proforma can be constructed to project any number of future years, because it is speculative, you might not want to go out further then ten years (I wouldn’t).

4) Be sure to use realistic numbers. Start with the current income and expenses and apply reasonable variables. Don’t inflate income 10% (for instance) when 2-3% has been normal for your market over the past several years.

As stated earlier, a proforma is a good way for a real estate investor or analysts to evaluate the future financial performance of investment real estate. Moreover, it makes a good presentation to other investors and lenders because it does peek into the future. You can see a sample Proforma on my website at www.proapod.com. Simply choose one of our three solutions and look at Proforma Income Statement under Reports.

These days, we can find more and more people who are actually losing their sense of individuality because most of them are driven by very influential social standards and social norms. Some people are also driven by peer pressure, fads and popular trends. Some of these trends are visible even in the real estate sector and this attitude continues to live on in the lives of many people, even among buyers of Roseville homes for sale. This means that most buyers today are basing a huge part of all their decisions and actions on what all other buyers are doing. However, to become successful in the real estate world, you have to make a certain investment that is opposite to what the most number of investors are doing – The stock market basically reflects this kind of situation. In order to make lots of money in your investments, you have to think differently from the rest and maintain a sense of individuality, so to speak. This kind of principle can definitely be of great use in making home purchases.

If you really want to earn big amounts of profit in this sector, it would be better for you to act as if you are a complete stranger when taking a look at the current situation of the market.If you consider buying a new home as a big real estate investment, then you should also consider profiting from it in the future. Look at things in a brand new perspective and carefully observe the current market condition. You can actually become a spectator who has the ability to see all the angles of the market scene. This will actually provide you a chance to see the bigger picture and make it easy for you to determine patterns and any sudden fluctuations in the market. You can analyze recent sales records of houses similar to your prospective home and then make comparisons to help you come up with the best possible decision.

You have to arrive to a point wherein you are already sure about what you really want and what you really need. Narrowing down things to your wants and needs is a very important procedure that you have to go through in the home buying process because it basically makes it as simple as possible. However, this part is something that most people aren’t actually doing. You should always have the tenacity to maintain this of attitude as this is a sign that you are making your own strategies, which is tantamount to logical thinking. It also shows that you are not being driven by your emotions. A lot of buying mistakes occur among buyers who totally rely on their emotions when making a purchase, especially when everyone around them is also doing so.

The truth is, there are a lot of opportunities that await Roseville real estate buyers. Nowadays, it is much easier to look for homes that appeal to you the most. However, you should still try to make sure that you are choosing houses that qualify as under-valued assets so that you can buy them at the lowest price possible. This is how good homebuyers and good investors think.