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You all know what CYA stands for. Of course,
Cover Your Assets.

And everyone does it. You have protection against
losing your car in an accident. You have
protection against being sued from that car
accident. You have locks on the doors to your home
to protect against theft and personal injury.
Question. Do you have a lock to protect from loss
in your retirement portfolio?

Bet you didn’t even know there is one. You sure
aren’t going to hear about it from your stock
broker or financial planner. If there is such a
thing why hasn’t he told me? Maybe it is because
it is too expensive.

No, there is no charge for this type of protection
and your brokerage company will do it. It is free.
Then why don’t brokers and financial planners
provide this as part of their service? The simple
answer is it is too much work. If you decide to
use the service they will then have to watch your
account.

Oh, did he say he was going to watch your account?
Unless your account in seven figures or close to
it you do not appear on his radar screen. The
average broker has 300 accounts. Could you watch
what is going on in each one if you had his job?
It is not possible so there must be a way to
protect your money. Yes, and it is automatic.
When your stocks are going up and you are making
money you don’t want to give back those profits,
do you? Of course not. There is a simple method
known to every broker and financial planner, but
you must insist it is done - or you will transfer
your account to someone who will. Money talks and
he will understand that.

First you must determine what your risk level is.
Are you willing to give back 5, 10, 15% of the
price of your stock when it starts down? If you
say 10% then each week tell your broker you want
an Open Stop Loss Order placed on the closing
price of each Friday (or Monday , Tuesday,
whatever) as it moves higher and not to reduce
that price.

This way he does not have to watch all the
different stocks you have in your portfolio and
you are protected against any big losses. He may
not even want to do this and ask you to place
those orders which you can easily do on the
Internet.

Instead of trying to figure out where or when to
sell your equity you let the price action of your
stock tell you when it is getting weak. There are
many ways of placing Stop Loss Orders and you may
wish to use another method. Many can be found by
using a search on Google by typing in the words
“stop loss orders”. Your library should have books
on the subject.

For a person who is working or cannot take the
time to follow the market this is the best way to
protect your investments. Consider it a lock on
your profits. Go back and see how this would have
worked if you had done it for the past 5 years.
You would be money ahead.

CYA - cover your assets.

Al Thomas’ book, “If It Doesn’t Go Up, Don’t Buy
It!” has helped thousands of people make money and
keep their profits with his simple 2-step method.
Read the first chapter at http://www.mutualfundmagic.com
and discover why he’s the man that Wall Street
does not want you to know. Copyright 2005

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The pursuit for a secure retirement has become progressively more difficult. Given the uncertainty of today’s stock market in light of corporate governance failure on a massive scale with the Enron and WorldCom scandals, the poor recovery of investment because of the panic selling of stocks and bonds that have since wobbled their way back up, without bringing investors’ funds with them and the political and economic uncertainty generated by the ‘war against terrorism’, it is not surprising that investors are looking for alternative choices to invest their retirement funds.

These days, many investors prefer to have a wider range of choices and the ability to diversify their retirement fund investments outside the poorly performing, so called conservative choices of stocks and bonds, and into other areas. This has resulted in a massive expansion in the market for self-directed IRAs.

Oftentimes the phrase self-directed IRA is tossed around by prominent investment firms and is only narrowly understood by the majority IRA investors. Unbeknownst to many self directed IRA investors many investment firms would have them believe that the term self-directed IRA only refers to the ability to choose which stocks, bonds and mutual funds they can buy. Fortunately, there is more to this narrative.

In contrast, a growing culture of investors is educating themselves on their investment alternatives and they are now starting to invest in real estate and other non-traditional assets. Indeed, any legitimate business investment is open to them both as single investors and undertaking group investments. If you know what you are doing or have expert advice in the area, it is possible even with low cash reserves to diversify retirement portfolios and in particular to capitalize on the growing real estate industry for example.

Most conventional financial planners don’t offer truly self directed IRA plans since they may operate under plan documents which only allow investors to invest in stocks, bonds and mutual funds. Nor is it in their interest to do so. Their commission structures are set up to favor investment in the financial markets whether this is in the best interest of the investor or not. Which means their advice is hardly objective.

Of course, this is not advising that investors completely abandon stock market offerings, merely that they do not keep all their eggs in one basket. Just as stock markets rise and fall so can real estate prices. But diversifying your investments minimizes the risk on your returns.

Procuring real estate for investment purposes with an IRA provides several favorable tax breaks. A Roth IRA allows the investor to benefit from tax deferral while it is growing and to be free from tax on distribution in contrast to a traditional IRA which is taxed at time of distribution. Nor is there a minimum distribution and investors can also continue to pay into Roth IRAs which can be of benefit if they intend to pass them to their heirs (which can be done without taxation). In addition, unlike 1031 exchanges, there are no specified investment timeframes or requirements to procure ‘like kind’ investments. Finally, capital gains tax is not applied since taxation does not occur until distribution.

All of these factors contribute to making real estate investment with IRA funds very tempting. However, it is not something that should be undertaken lightly nor should investors, unless they are experts in their own right in the tax and investment laws, undertake for themselves, due to the strict and sometimes complex legislation imposed through the IRS. Otherwise they may find themselves exposed to penalties and taxes. Just as you choose a traditional financial advisor when looking into stock and mutual fund investments you should also look a properly qualified self-directed IRA advisor.

First, traditional financial advisors are not usually best placed to give advice on real estate investment. While they have a good understanding of stocks and shares, they have very little experience of the real estate market. Instead, you should look for an advisor who can help you structure IRA and real estate entities, evaluate investment opportunities and avoid infringing self directed IRA rules in setting up investments.

Your IRA advisor will need to have extensive knowledge of self-directed rules and the expertise to implement complex deals plus a good strong background in real estate and real estate development. Because, while an investment in a single property is probably no more difficult than buying your own home, using private funds, especially self-directed IRA funds to invest in real estate developments, real estate lots, purchasing apartment communities and other larger scale real estate investments is something that most people don’t have the requisite knowledge to undertake.

A good example is rehabilitating individual residential real estate. If you have never undertaken this kind of work, it can be a very risky business. Without substantial amount of real estate investment experience, you can easily lose your IRA retirement money. It is very important to have an appropriate real estate advisor who understands where to find to good real estate opportunities and knows what a realistic real estate investment and realistic rate of return is and how to appropriately manage a real estate rehabilitation or real estate development project from start to finish. Mainstream do-it-yourself TV shows showing rehabilitation projects are a case in point as the majority of people go over budget during the rehabilitation and the majority of times lose money. Don’t let this happen to your retirement.

Ability to offer advice has to be accompanied by permissibility to offer advice. A self directed IRA custodian (as opposed to a self directed IRA advisor) may not offer any investment advice to an investor. It is prohibited. They must maintain a neutral position and can only give you advice on the IRS regulations and their firm’s investment policies. Therefore, an IRA custodian cannot offer advice on real estate transactions, which is a good thing because their primary purpose is to hold account holders monies.

In short, real estate investment is a realistic option for most investors looking to diversify their holdings, but the key to benefiting from it is getting the right advice from the right source.

Joshua Geary with Asset Exchange Strategies is an avid writer, business strategist and online marketing consultant. For more information on how you can get checkbook control of your IRA and turn your self directed IRA into a wealth magnet visit the link.

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The economy today is not stabilized. Even big companies have to confront the ups and downs that come their way. But the only thing that keeps them going is survival. They have to survive in the market and progress swiftly or gradually. One strategy to advancement is that of ‘mergers’ between companies. There are numerous mergers that take place locally but they do not have a great effect on the market especially the consumers. But the mergers that take place at the national or international level have a profound impact on the economies of the concerned countries.

There are different reasons behind a merger of two or more companies. But first of all there exist diverse types of mergers.

a) Horizontal Mergers- where two competing companies conjoin to form a single large company. The companies in horizontal mergers are selling the same product in the same market and so are contenders to each other. Such a merger can have a tremendous influence on the market from creating monopoly to escalating prices of the commodity. This is precisely the reason that The Federal Trade.

b) Commission that is worried about the market and the consumers keeps a hawk’s eye on such mergers and at times detains the companies from merging in the interest of the people.

c) The Vertical Mergers- are the mergers between a supplier and the distributor company of the supplies. This is an anti competitive merger but can be highly beneficial to the company. It is because the distributor will no more have to pay for the manufacturing of the supplies, it gets the product at the base price. So there is good cost saving due to this. Vertical merger also rules out lot of competition from the market.

d) Market Extension Merger is between the companies selling same product but in different markets. This merger enhances the market for the two companies since they now act as one sole company.

e) Product Extension Merger is like the one between an eminent company making motor parts and another that makes their own cars. So, the companies involved here sell different but more or less the same product in the same market. This merger promotes the sale of both the companies significantly.

f) Conglomeration is a merger where the concerned companies have nothing in common to sell.

There are various reasons behind merger of companies. Like

a) Synergy factor prompts the merger of most of the companies. The synergy in business pertains to the cost saving and revenue enhancement. The companies after merger decrease the staff keeping only the skilled labor, work with a single managing director, CEO etc. So there is good outlay saving. Moreover the economy of the sale i.e. the purchasing power of the company booms after merger.

b) To increase the output and rule the market- many mergers are made with the intention to oust the competition and jointly rule the market. This presupposes healthy relations between the competing companies.

c) Mergers also take place when a company is not able to perform well due to some or the other cause like the lack of required investment in the form of capital, tremendous competition etc. In such a situation this company can merge with one its parent company or any other company that has faith in the prior goodwill of the declining company and in its potential to grow and enhance. So companies also merge in order to overcome their internal inconsistencies.

d) Many a mergers besides economically are also politically driven.

e) Acquisitions which imply taking over of one stronger company with the other weaker one are also at times veiled by the name of merger.

However, the directors who plan to merge their companies should actually contemplate over it, keeping in mind all the possible pros and cons. They must seek advice from neutral financial consultants who do are more inclined towards the welfare of the company and not their own. Their own benefit is also hidden in a merger since the wages of the employees increase with the advancement due to merger. So it is recommended to take advice from all those who are the well wishers of the company before taking any concrete step in this direction.

Mansi aggarwal writes about mergers. Learn more at http://www.learnmergers.com .

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In most societies, we are raised to believe in the myth that “it’s spiritual to be poor”. Or we use such phrases as “filthy rich”, or “Money is the root of all evil”. Our TV and movies present the big businesses as the “bad guys”, and programs our minds to believe that being rich is “bad”.

So when I was asked that disturbing question: “Why are you obsessed with money?” I asked myself: “What am I really obsessed about? What are we all obsessed about?” So I remembered…

I remembered I was working for this Hi-Tech company, ten to twelve hours a day. Even though the pay was good, it has exhausted me mentally and physically. I remembered that my cause was to have real control over my own time, to spend it with my beloved ones, on the things that really matters, instead of working hard all of my life. And…

I remembered that I love sports cars (just to mention it my eyes are glowing right now!) and I wanted to have that car that I adore (Oh yes, it’s the 911 Porsche!). I remembered that I wanted to travel the world, and simply have fun…

I understood that my goal was NOT to get stuck in the rat race, working hard all of my life, and living the illusion of having what some people call a “normal” life. I know some might say: “Well, that’s how life is”. No, I resent that, you live the life that YOU desire to have, I know it’s easier just to “follow the crowd“, but eventually, it is YOUR life, and you should reach an internal peace, rather than wondering how the outside world will look at you.

So I remembered that it wasn’t simply just “making money”, those invaluable causes were driving me to become wealthy, this is why I started investing and educating myself, I bought so many books, whether about wealth or how to get rich books, stock market, real estate, and self help books. That’s why I bought so many tapes and home courses. That’s why I started looking for a real online business opportunity, which was my first step towards financial freedom. That’s why I am a member in an association of home business entrepreneurs.

Of course, these all cost (small) money. So what?! People are spending lots of money on their cable TV, on their trips, and you name it… Well, I rather spend it on my dreams, and my best investment is in educating myself. Those books that I bought have opened my eyes, showed me that there’s another way, an easier way, and I received invaluable insights that turned my life around.

So people say money is not the most important thing in their lives, the irony is, they are willing to work hard most of their lives for… MONEY! Where YOU and I (if you are reading so far then I know you share my feelings!) are not willing to work so hard for it. We want to make enough money, so we would NOT have to work for money all of our lives.

Keep those greater causes in your mind. Those genuine causes will drive you towards your sincere goals in front of those objections. And yes, it is OK to have a dream; life is not worth living without one.

Hamad Kadmany helps real people reach financial freedom through his free newsletter and his website. His online business provides you with a real and proven online business opportunity, the proper tools, training and support for a successful online business. Discover why so many have found their ideal business with Hamad today at http://www.onlinebizknowhow.com/

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