ways2profit

OIL FUTURES: Crude Trades Sideways As Hurricane Fears Ease

2008-07-22T11:18:00.000-07:00

OIL FUTURES: Crude Trades Sideways As Hurricane Fears Ease

It’s never too late to say bye to your financial advisor

2008-03-04T18:52:00.001-08:00

It’s never too late to say bye to your financial advisor

Benjamin Levisohn

WHEN your assets are rising along with the stock market, it’s easy enough to ignore nagging unhappiness with a financial advisor. But in periods of financial stress — like now — simmering issues tend to come to the fore, whether they’re tied to an advisor’s performance or personality. Breaking up, however, can be hard to do.
Griping about advisors inevitably rises when a market bubble bursts, as it did in 2000. Back then, complaints to the National Association of Securities Dealers, now the Financial Industry Regulatory Authority, peaked at 6,584 annual complaints. After calming down for a few years they’ve been trending up, with a 10.4% jump in 2006, the latest figures available. The number of advisors has also grown. The ranks of brokerage-affiliated advisors swelled 38% from 2005 to 2007, to 9,477.
Now, the turmoil in the market has more jittery clients checking in with these advisors and asking tough questions. Many wind up reassured, but sometimes a response — or lack thereof — shows it’s time to move on. Cutting ties can be tricky, though: Fear, manipulation, and legal hassles can make it difficult to break free.
James Gottfurcht, a Los Angeles psychologist who specialises in clients with financial issues, can attest to that. He worked with one couple who stayed with their advisor for seven years even though they never received information quantifying their returns. During that time they were reassured by the fact that their investments increased enough for them to withdraw the cash they needed without falling below their original deposit. But only during couples therapy did they address the issue, which had caused the two to bicker about who should make the call to the advisor.
When the couple finally worked up the courage to ask about their account’s performance — the husband called — they didn’t get a good answer. The advisor made excuses, saying the returns were too difficult to compute because of all the withdrawals. Many investors would have yanked their money then and there. But the couple couldn’t bring themselves to do it, and for six months they kept asking, until he finally produced a number. How’d they do? Far worse than the markets. The experience of Gottfurcht’s patients shows how fraught a relationship with an advisor can be. While the majority of advisors are responsible and ethical, the way we choose them is often shockingly lax. A recent McKinsey study shows that 25% of people rely on a referral from friends or family. Often, people assume a friend or relative has checked out an advisor thoroughly, which may not be the case.
To Peggy Redding, her advisor’s attempts to keep her onboard felt like emotional blackmail. A month after the 74-year-old Redding’s husband died, she received a visit from his advisor to offer reassurance about her financial picture. Still, she worried. She was responsible for three different accounts — her own, the family’s joint account, and her husband’s. “I was afraid things were slipping away from me,” she says. So, she decided to consolidate the accounts with a new advisor. When she told her husband’s old firm, they pressured her to stay. They said they “didn’t like being fired.” They reminded her about their visit after her husband’s death. “They told me it wasn’t what my husband would have wanted,” Redding said, “not the kind of thing he would have done at all.” After that, her new advisor made all the calls.
Blame game
How an advisor reacts to being challenged can be telling. For Sharon DeBlasio, 46, her queries touched off a blame game. She noticed that the returns on portfolios she had managed for her husband’s Hamilton Square medical practice seemed much too low compared with the overall market. DeBlasio, afraid of confronting her advisor, had her accountant take a look. He pointed to one investment — a series of municipal bonds purchased on margin at interest rates higher than the bonds paid. What should have been a relatively safe, tax-free investment was costing her money. When confronted, DeBlasio’s advisor blamed the accountant for the situation. Then the advisor blamed DeBlasio for not looking closely enough at her own records and realising the investment made no sense. DeBlasio decided it really didn’t matter who created the problem. It just needed to be fixed. She hired a new money manager with whom she is far more comfortable. She only regrets that she and her husband didn’t make the move sooner. “In medicine, we can’t make mistakes or poor decisions,” she says. “And you expect your advisor to be professional, too.”
Sometimes it is the client, and not the advisor, who’s the problem. Gottfurcht, the financial psychologist, recalls one client who used four advisors in one year — a record in his book. The investor’s unrealistic expectations ultimately proved self-defeating. “He left the first three,” Gottfurcht says. “The last one fired him.”
business week

Taking Free Paid Surveys Online

2007-07-28T05:28:00.001-07:00

clipped from globalinformationcentre.com

Free Paid Surveys, Get Paid To Take Surveys, Take Online
Surveys for CASH!

More than likely you have seen ads like these all over
the internet. And like most people you are probably wondering if they are true.
Can you really get paid to take surveys online? Or is paid surveys just another
scam? Surprisingly, the answer is yes. You can actually get paid to take surveys
online.

Huge Content Rich Websites for Profit

2007-07-23T02:43:00.001-07:00

clipped from globalinformationcentre.com

Here is the bare bone - no hype information and a link to the website I built
using these techniques. So I not going to lie to you about how much money you
can make or how much I made. Simply put, people are making money with these
kinds of sites, I just want a piece of the action. This article assumes you have
a basic knowledge of HTML, Google Adsense, and Affiliate Advertising.

Getting Great Deals on EBay

2007-07-16T23:52:00.001-07:00

clipped from globalinformationcentre.com

Getting Great Deals on
EBay
by: Lorraine
Venner
I love getting a deal. I try to smell them out from miles away. I love
frequent garage sales, flea markets, closeouts, and more -- but found that I
could much better by simply buying through online auctions - if I shop
carefully.

Getting a deal out of EBay auctions is an art. Buying from auctions can be a
costly proposition or a very economical option depending on your tactics. Buy
wisely by learning from my (sometimes costly) experiences.

Small Business Loan Basics

2007-07-12T04:09:00.001-07:00

clipped from globalinformationcentre.com

Small Business Loan
Basics
by: Joseph
Kenny

Many people who wish to start their own business need an injection
of financial capital at the beginning of a business; the main source of funding
for entrepreneurs is business loans.

Let's take a look at what you should expect if you plan to apply
for one.

First of all, you should know that most lenders have their doubts
when it comes to lending money to a first-time business owner. You're considered
a high business risk at this point, and you should go in to your loan
negotiations armed with a few advantages. Of course, the ideal option is to run
your business for a few years, even just out of your home, and turn a good
profit before approaching a bank for a loan

How much investment is enough

2007-07-05T01:28:00.001-07:00

clipped from globalinformationcentre.com

How
much investment is enough

by: color=#fb7014 size=3>Tom

Have you been looking for the best
sourced opinion relating to investment.
When you're after superior
information on investment, you will find it hard separating quality information
from amateurish investment suggestions and directions so it is wise to recognize
how to qualify the information you are given.

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Here's
a few tips that we believe you should think of using when you're searching for
information regarding investment. Bear in mind the advice we offer is only
pertinent to web based information about investment. Unfortunately we are unable
to provide any direction or assistance when you are also conducting research
offline.

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Gold Update

2007-06-30T21:51:00.001-07:00

clipped from www.reliancemoney.com

nternational Gold to remain steady

, June 29: Gold was faintly weaker than yesterday, though some physical interest was seen while silver is trading at $12.45 an ounce i.e. at yesterdays close.
Caught between a strong dollar and high crude oil prices, spot gold traded at $647.80 an ounce while silver traded at $12.45 an ounce, which is also the yesterdays close.
The U.S. Federal Reserve held benchmark interest rates steady at 5.25 percent on Thursday, but it restated that inflation is a major concern and that has led to speculation of higher rates, which has boosted the dollar.
Crude oil was steady around $70 a barrel as the market remained focused on falling gasoline inventories in the United States and a decline in crude stocks.
The markets are just recovering from the credit markets downturn recently, and have again have turned their attention back to traditional drivers such as dollar and oil.

Sell and Earn Online

2007-06-27T23:33:00.001-07:00

clipped from globalinformationcentre.com

eBay: What Should I Sell?

There is an art to picking profitable products. It's not
just what you want to sell but rather what will sell. Unless you pick a
product in demand in the marketplace, you will fail. A fundamental
principle of the capitalist system is "supply and demand". It represents a
delicate balancing act between "what people want" and how much of "it" is
available.

Benefits of Trading the Forex Market

2007-06-27T09:22:00.001-07:00

clipped from globalinformationcentre.com

Forex: Benefits of Trading the Forex
Market
by: Raul
Lopez
Trading the Forex market has become very popular in the last years. Why is it
that traders around the world see the Forex market as an investment opportunity?
We will try to answer this question in this article. Also we will discuss come
differences between the Forex market, the stocks market and the futures market.

Value Investing

2007-06-27T09:15:00.001-07:00

clipped from www.ways2invest.com

Value Investing

By definition, value investing is the process of
selecting stocks that trade for less than their intrinsic value. A value
investor typically selects stocks with lower than average price-to-book or
price-to-earning ratios.

Indian Stock Market

2007-06-26T23:13:00.001-07:00

clipped from 955am.com

Indian Stock Market
Analysis ( 27.06.2007 )

Nifty ends at positive zone.

Bulls have firm control over Nifty Future.

World markets are showing weakness.

But Indian ADRs are trading in Positive Zone.

Nifty may move upward due to short covering and shifting of F&O
position from June Month contract to July month contract.

Positive divergence in Nifty 13DMA indicates further uptrend

Bulls are pushing up the prices of ONGC, SUZLON, BHEL, LT, ABB,
SIEMENS.

They may also push up other index heavy weights like INFOSYS, WIPRO,
BHARTI AND RCOM

4240 is strong support for Nifty Future ( June contract ) on closing
basis.

Send your queries to both of my email id
:

info@955am.com

:

shankar955am@gmail.com

Real Estate Investment Strategy

2007-06-26T04:41:00.001-07:00

clipped from www.ways2invest.com

An Investment Real Estate Strategy Unknown To
Most Is A Negative Amortization Loan
If you want to make the most of
your personal or investment real estate, you should consider a negative
amortization loan. Mortgage amortization is basically mortgage balance
reduction.

Forex Trading

2007-06-24T03:48:00.001-07:00

clipped from www.thefreedictionary.com

Ask (Offer) Price - The price at which the ma...
Daily Forex Commentary | GFT Forex
Product: Building Millions on Forex
Company: 5EMA...
Google Reader (14)
FOREX TRADING

How Investment Plans Work

2007-06-23T20:00:00.001-07:00

clipped from globalinformationcentre.com

How Investment Plans Work
by: John Mussi

More people are choosing investment plans than ever before. With the
rising cost of living and the growing insecurity about the availability of
many retirement funds, many individuals are looking to investment plans to
begin a nest egg or to make some additional money via investment without
having to spend a lot of time purchasing stocks and bonds.

The Gold Bonds are Coming!

2007-06-20T02:32:00.000-07:00

Gold Bonds Coming Soon

The Shanghai Gold Exchange is working together with gold producers, securities brokerage houses and banks in preparation for the launch of gold bonds, the Securities Times reported yesterday.

Gold bonds are issued by gold mining firms and guaranteed by a certain amount of gold they produce within a certain period of time in the future. The interest rate of gold bonds is made up of a basic rate and a floating one. The latter is linked with the gold price of the date of maturity. The maturation of the bonds can be three years, five years or 10 years.

Meanwhile, Shenyin Wanguo Securities Co recently became the first securities company approved as a Shanghai Gold Exchange member. The exchange plans to take in more securities companies in an effort to build an underwriting system for gold bonds issuance.

'As the world's third-largest gold producer, China has a huge potential in gold production. The increasing financial needs of gold producers promise a bright future for gold bonds,' said Song Yuqin, vice manager of the Shanghai Gold Exchange."

For more info visit WAYS2INVEST

2007-06-19T23:13:00.000-07:00

Here`s My Top 5 Reasons for Liking Blogs

Advantages of Blogs

Blogs are probably the easiest way to have a website. With blog
software, it literally takes minutes to have a professional looking
site up and running. These are the five things I like the most about
blogs:

1) Blogs are easy to create:

You don`t need expensive or complicated web editors or web design
software to create a blog. Blog vendors offer you a variety of
templates you can choose from. Most likely you will find among them
one that offers the look and feel you`re looking for. Your only web
design expense may very well be to pay a graphics artist to design an
attractive logo that makes your site unique.

2) Blogs are easy to maintain:

Blog software allows you to post online, which means that you won"t
need to bother with FTP software. This also means that you can post
anywhere, not just from your own computer. You may be in a hotel room
in China, and if it has an internet connection you can log in and
update your website from your web-based control panel. Your blog"s
software will automatically move your most recent post to the top,
while archiving older posts by date or by topic, so you don`t ever
have to bother to move web pages around.

Set Up Your Blog Now!

3) Blogs are search-engine-friendly:

Since blogs assign each post an individual URL address, each of them
will have it`s own, separate web page. If you take care of making
each post very focused on a specific topic and carefully choose the
keywords that best describe your post (using them in the post title
and post body), they will stand a very good chance of ranking well
with the search engines. Also, since blogs tend to be updated
regularly, search engines will crawl them often (search engines love
fresh content), adding your new posts to their index.

4) Blogs allow you to interact with your customer base:

The best websites allow your customers to interact with you and give
feedback. Since blogs offer you the option of enabling a "comments"
field after your posts where readers can give you feedback, your
visitors will not only be more inclined to come back, but you will
have at your disposal an effective and inexpensive way to get to know
your customers better.

5) Many great blog hosts are free:

There are several excellent services that offer blog hosting for
free. The most well known of them is Blogger, a free blog service
owned by Google. Signing up takes minutes, it offers many different
templates and customization options, and also gives you the option of
tying your blog with your Google Adsense account. That way, not only
is the service free, but you can also make money. The downside to all
these great advantages is that they have encouraged the creation of a
huge number of me-too and low quality blogs that don`t add value and
hardly get any traffic. Don`t fall into that trap. Before jumping to
create a blog, remember that to be successful you must write about a
focused and original topic, or offer a unique perspective on a common
theme. In the end, as the cliché says, it all boils down to quality
content.

Sincerely,
The Global Information Centre Team
support@globalinformationcentre.com

2007-06-17T00:12:00.000-07:00

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Thanks,
ways2earn

2007-06-16T03:53:00.000-07:00

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2007-06-04T05:35:00.000-07:00

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For more ways to invest visit WAYS2INVEST