What is the worst barrier to successful investing? Simply put, the effects of bad debt. It stands to reason that by eliminating bad debt more of your hard-earned dollars can be set aside for investments. The sooner you begin this process the more effective you will become in compounding your investment returns over the years. From a money management perspective there is both good and bad debt. Good debt is money you borrow at a low interest rate and then invest it at a higher rate of return. You are using other people’s money as leverage to make you money. Bad debt or consumer debt is money you borrow at a high interest rate to buy things that don’t produce income or grow in value. It is the effect of compounding rates of return working against you instead of for you that becomes a financial drain. For example, if you are paying 18 percent for your credit card debt and trying to make 12 percent on your stock investments, you end up going backwards at a rate of 6 percent compounded per year. Here are three simple guidelines when taking on debt. Only consider taking on or keeping debt if: 1. You’re an experienced and successful investor with a proven track record of compounded returns in excess of 15 percent per year. 2. The interest rate on the debt is less than 1/3 of your expected rate of return on your investment. For example, if your rate of return is 15 percent, you can comfortably borrow at 5 percent. 3. You total debt, excluding your house and vehicle, can be paid …
(www.abndigital.com) ABN’s Bronwyn Nielsen speaks with RE:CM Analyst Razeen Dinath, looking at the opportunities and challenges of investing in cyclical stocks.
What is a Tax Lien? At wealthmatters.co we specialise in providing learning solutions to for Tax Lien investing. This education program has been specifically designed for first time investors to learn and to take advantage of this opportunity. You will learn all you need to know for example – What are the legal requirements and process involved? – How to select a quality property that is the ones you want to own to maximise your profits. – How to use the internet to purchase foreclosure properties – How to use the mail to purchase foreclosure properties – How each state and county has different foreclosure system and which is the best. – What is the process required to buy these properties – How to get started – What to look out for in a foreclosure property – How to recognise the danger sign – Why you only want own 5% of the properties on offer And much, much more Background information on Tax Liens If people default their property tax, governments may present auctions concerning tax liens and government sales tax to public in general. This is one of those practices where income can be produced from initial investment. A certificate is issued in matters regarding tax liens, this certificate do not grant the holder any legal right on the property. This certificate is also capable to further buying and selling. The investors via tax lien sales are actually supplying the amount of money required to the original legal owner to pay the defaulted tax. The best part is that the …
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Joe Martin, founder of Cambridge House International (widely known as “Canada’s Investment Conference Company”), joins Kitco News’ Daniela Cambone to discuss the upcoming 2012 Vancouver Resource Investment Conference (Jan. 22-23, 2012), which he says promises to be the “investment conference of the decade”. (Kitco News, Jan. 17, 2012)
