Saturday, November 28, 2009

How to Avoid a Bad Investment Property Deal

When considering investment property of any type, it may appear to be in top shape and without a flaw. However, looks can be deceiving, to ensure that you are indeed getting the deal of a lifetime there are some things you want to look out for, which leads us to this article "How to avoid a bad deal-five signs". We are certain you do not want to purchase any investment property of any type, only months or even a year down the road find out that the investment property was a bad one or it is simply hard to sell when the time is right, well, here is how you can avoid these things.

Say No to Flood Regulation Lines and Flood Plains

For those of you that do not know, a flood plain is defined as level land within an area that borders a lake, pond, or river. Typically, flood plains can be determined quite easily, if you notice any indications of delta plains, levees, back swamps, or oxbow lax, this will tell you it is a flood plain. A flood plain has high instances of flooding or high water levels.

You definitely want to stay away from these areas when considering a piece of investment property. The offer for that particular property may seem too good to pass up; however, you may find yourself having to face a great deal of headaches, frustration, and even damage later on.

Say No to Rising Damp

Again for those of you unaware of what rising damp is. This occurs when the ground water flows in a vertical manner through the wall structure of the investment property. The pores in the masonry allow the water to rise and effect the entire structure. Age, Bridging, and Earth levels can all lead to rising damp.

There are many different ways of identifying rising damp. For example, if you attempt the paint the walls in a piece of investment property suffering from this occurrence, the paint will simply not take. Additionally, you will find that wallpaper will experience the same result. In fact, existing wall paper, if it has lifted from the walls, will possess stains underneath.

Take a moment to feel and inspect the plaster walls. When feeling it, test it to find if it will flake easily or feels soft and spongy. Furthermore, inspect the way the plaster actually looks, if it looks like crystals or a powdery substance, the investment property likely has rising damp. Further indication of rising damp may include falling or fretting mortar, skirting boards, mold, or rotting floorboards.

Inspect for those Annoying Pests

Pest inspection should be one of the very first things on your list when looking into any type of investment property. It may cost you a little bit of extra money, but in reality, the inspection alone could result in actually saving you money at the same time, not to mention the hassle of dealing with pests.

Peace of mind with investments comes with having a pest inspection done by a professional service. With a professional pet inspection, the property will be completely inspected and you will receive a report with findings on pest issues, such as termites. Experience, knowledge, and reputation all must be considered when looking for a pest inspection service.


When you are looking into investment property, the one thing you want to stay away from are bad investments. A good deal, comes with a great price and sound surroundings and structure. Anything less, may point to a really bad investment. Find out here, what you should be looking for to ensure you end up with a good investment.

By : Brooke Hayles
Brooke Hayles Check Out More Helpful Information About Investment Property For FREE! Visit Now!

Saturday, November 14, 2009

Classic Wall Street Wisdom

A classic story told to new investor is the one in which a young investor seeks help from an old investor. The young investor had a serious problem. He had invested in extremely expensive stocks and the market was turning on him. The market was overvalued and he thought perhaps had invested in too much risk. Not knowing what to do he went to the elder investor to ask advice. The young man didn't sleep or eat because he was so nervous about his decision. After hearing the young man's problem, the old investor told him to sell and sell back to the sleeping point.

This is perhaps simple wisdom from a simple time. However, there is truth in the advice. The old investor was telling the one young to sell enough not to destroy his financial stability but keep enough that if the market does increase he wouldn't kicking himself in the behind. Obviously neither investor knew what the motion of the market would be - after all it is about speculation. This are the same concerns that new and old investors alike have day in and day out.

This begs the question, what is a sleeping point and how do you find it? A sleeping point is determined by a investment formula. These formulas are designed to help you inject caution into your investment portfolio when risks are high, and help reduce safety measure when risk are relatively low. This allows you to benefits when prices do increase. Investment formulate work automatically, once the formula is decided upon based on your needs and wants as an investor. A sleeping point refers to the specific point of a specific investor in which he feels comfortable financial (thus allowing him to sleep). Sleeping points differ from investor to investor. Some thrive on the thrill of an volatile market while others perhaps steady and slow grow of a flat cycle.

Choosing an investment formula is only one of many tools which can help with investing. Remember formulas can be changed at any time to fit an investors changing needs or level of confidence. Never let an investment formula overrule sound research, and your own comfort level. Investment formulas help you with risk but certainly can not tell you what stocks to buy or what currency to trade. These are merely guidelines to help you figure out what direction you would like to go in your investment endeavors. For example if you are interested in a particular security you can use your formula to determine how far you are straying from your own investment goals. Alternatively it can also show you how well your choice adheres to your preset portfolio guidelines.

Additionally, formulas allow for the casual investor to have professional help without having to pay professional fees. Financial advisors are great sources of information however, with each investment movement (buy, sell, trade) the advisor takes a commission. Your financial advisor profits even when you don't.Find your sleeping point, develop a investment formula, and go with your gut - these are the ways to achieve financial freedom.

By : Mika Hamilton
Mika Hamilton runs a website offering free investment tips and strategies for people looking to get started in the investment world.

Thursday, November 12, 2009

What is a HYIP?

HYIP is a term which you will come across often if you are trying to make money over the Internet. It stands for High Yield Investment Program; these are not just Internet based investment programs and are also available offline. The term HYIP is an umbrella-term which incorporates any investment opportunity that gives a return on the initial investment of between 4-5% per year. The way in which they work is fairly simple. The money from everyone who invests is collected together and the site organizers then use it to invest in more traditional areas. In effect, they are investing in the programs which require a large sum of money to begin and can afford to do so by combining everyone's small individual investments.

HYIPs which are not Internet based work on the same principles as online ones, only their starting investments can range from a minimum of $500,00 up to millions of dollars. For the private investor, or an individual just wishing to supplement their income, this is not a realistic sum to have available for investment and so offline HYIPs are not feasible options.

For the normal private investor, Internet based HYIPs are the only possible solution to the investment quandary. However, these programs are often cloaked in secrecy and so can seem like a dangerous investment to make. In contrast to the offline programs, you will often find that you are unable to gain any information regarding the investment types that are made on your behalf. Corporate information of the website, such as the registered address or background information pertaining to the site organizers, is often not available for viewing. This is not usually done for the sole purpose of hiding information from the investors, but more to prevent people from using the knowledge of the site organizers to create their own online HYIP.

Online HYIPs may pay interest daily, weekly or monthly. The typical return rates on these are generally between 1-7% for daily paid, 7-50% for weekly paid and 20-200% for monthly paid.

The way in which you can start to invest with these sites is very easy. You simply go to the site you have chosen and register with them. This then creates your online account, into which you deposit money which you then invest. The profits are then paid into that account depending on how often your particular investment pays.

These schemes work by investing the money from a number of private investors and then sharing a portion of the profits back with the investors. It gives the investor the high returns that would not normally be possible given the low amount of money that is available for investment. There is still an element of risk involved - no investment can ever guarantee to make a profit as the market changes continually. There are also fraudulent people who set up HYIP sites, wait for people to invest and then run off with your money. This makes it vitally important to choose your program wisely.

By : stevegink
This and other hyip educational articles can be found on Also check for curently available HYIP Programs.

Friday, November 6, 2009

Penny Stock Market For Dummies

The penny stock market consists of stocks that are traded for less than five dollars. To pick a winner you need to find stock that is above one cent. If you see that there are stocks for less than a cent, you shouldn't invest. In the penny stock market, any thing less than a penny isn't worth investing. You will never gain anything from a stock under a penny. With the penny stock market, there are risks like any other stock market. In fact, it is just like the regular stock market except you buy stocks for much less. That's why you should treat the penny stock market like any other investment.

When you are planning on investing in the penny stock market you will want to know how to invest. First you need to open an account for your broker. Then you will need to find a financial adviser. A financial adviser will tell you what to invest in the penny stock market and what stocks you should avoid in the penny stock market. They will budget, record, and plan all your investments. Even with a financial adviser, you will need to do your own research in the penny stock market. You need to know every thing about the company and the stock that you are purchasing. With proper investing, you should be able to benefit from quick gains from the penny stock market.

The only way to be successful with the penny stock market is to know what companies to invest in through research. Research is key to any investment. The penny stock market can give you a good investment and some money, but you need to know when to sale and when to buy. You need to realize when you are in a risk. This could take years. The penny stock market, like any stock market is very tricky. It's more of trial and error than anything. That's why you need to have trusted advisers and know where to get the good research on your penny stock.

Like other stock markets, the penny stock market is a pit of schemes. One way to know for sure that you are playing into a scam is when they begin to push the stock too much. When they start encouraging you to buy cheap penny stock at large quantities, there is something up. They are noted for being one of the many get rich quick schemes. First, there is not way to get rich quick, especially when it comes to the penny stock market. The only way that you can gain a real investment is if the stock becomes to be bigger or worth way more than you bought. Don't get distracted by the investment or the broker.

By : moneyworks
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