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For most people, joining the real estate investment world is basically a dream. They consider investing in real estate to be an opportunity for a better future. Knowing that if done correctly, real estate investing can be profitable, the individual craves the life that a successful venture in real estate can bring.

In order to be successful, however, you need to understand the different types of real estate investing. The following information is a very basic real estate investment guide for long-term and short-term investments.

When you decide to invest in real estate, one of the first things you will need to do is decide whether or not you are investing to get cash immediately or to get cash later. Do you want to purchase a property and rent it out to get a monthly income or would you rather purchase a property and fix it up and resell quickly to get your profit immediately?

A short-term investment is when you want to get your profit from the property as soon as possible. There are a couple of different methods you can use. This real estate investment guide to short and long-term investments will just touch on these briefly but you should come away with a better understanding of what you want from your investment.

One of the ways to invest short-term is to purchase a property at a low-cost and then sell immediately at a low, but higher-cost. For example, if there is a home on the market that is listed for $90,000 but has a current market value of $115,000, you can purchase at $90,000 and sell it quickly for $110,000. You will need to subtract all the expenses for purchasing and selling in order to figure out your potential profit.

If it cost you $5,000 in closing costs and it will cost another $5,500 to sell your property through a real estate agent, you’ve deducted $10,500 from the $110,000. This leaves you with a profit of approximately $9,500.

If the whole process between the purchase of the property and the resale of the property took you three months, you’ve made this money within a three month period. This process is known as flipping properties and many often flip houses in a time period of much less than three months. This is quick money and what is considered a short-term investment.

Another type of short-term investing is to purchase a property and repair and renovate to sell at a later date for a much higher price. For example, if you were to purchase a fixer-upper at $80,000 and invest approximately $40,000 in renovations, you may find yourself able to sell that same property for as much as $160,000 or more, depending upon the appreciation and what the current market trends are.

Deduct all of your expenses and you could find yourself with a profit of $25,000 or more in a four to six-month period or less. Again, this gives you cash quickly and if you were to purchase three or four properties a year, you could end up with well-over $100,000 or more in profits annually.

Long-term investments involve rentals. These give you monthly income from the rents you will collect. Many find this is area they wish to pursue as it generally does not require one to invest any money into the property beyond the closing costs. Before you purchase rental properties, however, make sure you determine whether or not it is a solid investment by researching the rental history of the property and all the expenses associated with it.

As stated above, this is simply a quick real estate investment guide on short and long-term investments. Do your research and decide which type of investing will be more suitable to your life.

As high numbers of people reach retirement age, long term financial security is becoming a major concern.  With the view of plummeting social security advantages, pension plans and volatile 410K retirement plans getting non-existent, most of the people are looking for other retirement options. Now, they believe that they are left with only one viable option retirement investment. With modern day economic recession and rising food, and fuel prices, it has become almost impeccable to save for the future years. Individuals expecting their retirement within 10 to 15 years go for high return retirement investment, but at the same time are skeptical whether it would be safe and secure or not. In most of the cases, average people do not have enough cash required to earn high rate of interest, which on the other hand wealthy people enjoy. Both long-term and short-term retirement clubs have emerged over the internet, which helps quite a lot in removing the road blocks for numerous entrepreneurs. These programs are very efficient and present their member with the chance to understand dividends, which at times is well beyond the average investor’s reach. Besides, they provide you with a viable retirement income option, which you need the most after retirement.The profit incurred, here, is distributed and divided amongst the members. At the same time, profits are also spread across different long-term ventures and projects, so that the club could stay stable for a longer period of time. Though there are some risks involved with this type of funds but you do not have to worry. The risks are minimized by spreading investments and pooling funds across a diverse array of opportunities.Contrary to the illegal and unauthentic HYIP or High Yield Investment, which uses the contribution of one investor to pay the commission of other; the long term retirement clubs are clean and legal. Here, the investments from the member are combined with private and personal portfolios, which in turn pays high rate of return. While different country has different view on private retirement investment forums or clubs and foreign investments, most of them operate just according to law and norms laid by their respective government. Moreover, certain programs would also offer you substantial amount on referrals, referred to as referral commission. But, generally you would be able to achieve financial independence and retirement income without any third party’s help. However, there is always a dark side of a bright picture. We have shown you the bright side of the picture but you should also be well aware of the dark side of this, while you are planning to have your retirement investment done. The mushrooming of these clubs and forums has lead to growth of some of the fraud long term investment clubs. They would try to fool you out with hidden clauses and some other tricks and traps.Hence, it is better recommended that before going for any such type of retirement investment policy ask someone who knows about them. Also, make sure that you do not invest anywhere without proper retirement planning. No doubt, after retirement you need some funds for the smooth functioning of your life but why take risk.

Long term investments (LTI’s) or Tax Effective Investments (TEI) have a tumultuous history. They received enormous amounts of bad publicity in the early 1990’s after being publicised and sold to naïve investors by unscrupulous promoters. This article looks at what has been done through legislation, the global demand for commodities and industry improvements over the last few years to rectify these alternative investments.What are LTI’s?Generally placed in the alternative investment asset class, LTI’s embrace investments in the agriculture, entertainment, franchise and film industries, commonly providing incentives for investors in the form of up-front tax deductions. In this article, we are going to focus our efforts on the agriculture industry.What has been done?After years of bad publicity, unscrupulous promotions and poorly produced and managed products, LTI’s resurgence came after the introduction of the Managed Investments Act coupled with Australian Tax Office (ATO) Product Rulings system in 1998. These investments are legally required to produce a Product Disclosure Statement (PDS), familiar to most investors who take part in shares or managed funds. In addition, they are required to submit a Product Ruling Statement with the ATO, which will determine the deductibility of the project.“The increased security and assurance provided by the ATO was warmly welcomed by financial planners and investors”, recalls Che’ Kulhan, an independent Consultant. “It provided certainty and sureness in the tax deductibility of agribusiness investments.”Despite improvements in the industry, a product ruling has not assured the commercial viability of the investment. However, the efforts of Independent Research Houses, such as the Australian Agribusiness Group (AAG), have helped investors and financial advisors alike to identify investment grade projects. “It’s not an easy task identifying quality and investment grade projects. Investment research and ratings really helps in the process”, confirms Che’.The Financial Services Reform Act, introduced in 2001, established a new regime for the regulation of the provision of financial services, including LTI’s. Those promoting investments and providing advice now require an Australian Financial Services License (AFSL). Furthermore, the industry itself has helped to alleviate the bad publicity gained in the early 1990’s through sound management, increased use of technology, pre-determined sale contracts and higher quality products. Global factors have also contributed to the resurgence, the global population is growing and there is currently a food shortage. According to the Department of Agriculture, Fisheries and Forestry, Aquaculture is the fastest growing primary industry in Australia and the fastest growing food producing sector in the world. “Australia, with its soft commodity economy, is in a great position to benefit from this global opportunity”, explains Che’. Tuna and pearls currently represent the largest portion of industry revenue, with exceptional growth in other key exports such as salmon, edible oysters, farmed prawns and trout. The Australian government has also contributed by signing free trade agreements (FTA) with countries such as the USA, Thailand and Singapore.What are the benefits of investing in LTI’s?They are often favoured by those investors in higher tax brackets, with the key feature of these investments usually being the tax benefit gained. “Structured correctly, the investors can usually get immediate upfront tax deductions”, Che’ explains. “Tax and GST refunds received can then be used to diversify a client’s portfolio, especially considering their low correlation with traditional investments classes such as equities, fixed interest and cash.”“We try to educate clients to firstly look at the commercial viability of the business, and then, the tax benefits gained,” stresses Che’. “It is imperative that you don’t invest just for the tax benefit. The most important thing is the quality of the underlying investment and to confirm that the investment is supported by product rulings issued by the ATO.”Che’ emphasises that these investments are not for everyone. “While these investments can potentially result in higher returns, they must be appropriate for you”, he explains. “You should seek professional advice to determine if these strategies are right for your personal and financial situation”.

At the “Nutnfancy Tactical Clinic” shooting the abandoned stove. It’s a great target at the 90 yard distance, providing instant hit feedback. Great fun and proof of concept as well. ***Backdrop is the large hill behind the target and shots came from a significant downward angle (so please no “hall monitor” alarmist comments).

I just sold some shares on etrade yesterday. But i found the money is not available for investment today, although it is on balance. How long does it take to become available for withdrawal or investment on etrade? Any better broker? Thanks!

Bremner, Bird & Fortune – Silly Money – 1 of 4. 03/11/2008. 4oD wmv converted to m4v via QuickTime, thence uploaded to YouTube.

Bremner, Bird & Fortune – Silly Money – 1 of 4. 03/11/2008. 4od wmv converted to m4v via quicktime, thence uploaded to youtube.

Spirited explanation of the US banking crisis

How long will it take an investment to double at 7% interest compounded continuously?? I also need the same question but triple instead of double. I’m just not getting how to solve for that. Thanks!

How long will it take an investment to double in value if the interest rate is 10% compounded continuously?