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Actual Estate Investing Contracts on Toilet Paper

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Even if your actual estate agreement has been created on bathroom paper, it’s valid.

Content of your real estate investing agreement is what’s important.

Your financial destiny in actual estate investing is sealed Prior to you stroll into a real estate closing as a buyer. You have set in
concrete your revenue (or loss) prior to you flip the door knob to enter the workplace of your lawyer or title business at closing. The payoff of the transaction under anticipation is predetermined when the contract is signed in between you as the buyer and the other party who is the seller.

The interpretation of these cold, difficult words is that you must understand the significance of the real estate agreement that ties collectively the property transaction. Your agreement contains implications for figuring out earnings in advance.

When we strike a deal in actual estate investing, we usually just attain for some pre-printed agreement type that came from a actual estate office or stationary shop. We generally forfeit many of our closing rights to some stranger who put collectively conventional jargon and processes without recognizing that we ourselves have the right to charter this program. Subjecting ourselves to legalese of an lawyer who may not even be a real estate investor nor own much more than his personal home is the pattern followed by most who purchase and offer real estate.

The initial buy of company in writing contracts is comprehending that any sale or buy of property is negotiable. Whilst the payment of certain closing expenses may be customary or conventional for the purchaser and the vendor, we are not bound by this protocol. Without differing specification in your contract to dictate your personal direction, the closing agent simply resorts to customary convention.

But by understanding your rights as purchaser or vendor of real estate house, you can really Improve your profits on a transaction by the wording of your contract. Nevertheless, these settlement terms must be in composing on your agreement in advance of the closing. Or else, possible profits fly out the window.

One of the most euphoric emotions I have at any time skilled in this business of real estate investing was walking out of a closing with a verify payable to me for $seventy five,000 on a package deal of a few inexpensive real estate properties! As with anybody, I had a use for that cash! But these profits had been dictated on my special personal contract in advance of closing.

A lot more money at closing is available to real estate investors who take manage of the choices accessible by independently selecting wording in the content of their own purchase contract and sales agreement. This option is easily available to the real estate investing professional who understands these rights and applies them in the construction of a personal contract.

The suggestion in this article is not legal guidance but encouragement to consider advantage of an chance available in real estate investing. This suggestion is not encouragement to turn out to be greedy with legal rights but to give notification that negotiation is available over the dictates of closing costs. Sometimes transactions are profitable only when these considerations are understood.

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Money, money, money: US VC investing up 10% in 2012

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Money, money, money: US VC investing up 10% in 2012

U.S. venture capitalists were busy in 2012, raising overall investment activity for the year by 10 percent compared to 2011. Venture firms invested a total of $20.6 billion last year, according to data from Thompson Reuters and the National Venture
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VentureBeat
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Forget the BRICs — Here's the Next Big Thing

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Forget the BRICs — Here's the Next Big Thing

The financial world is full of acronyms. Almost everything from the New York Stock Exchange (NYSE) to select equity indexed notes (SEQUINS), have been reduced to a simple acronym. Not only does this make long phrases friendlier and easier to use in
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Your Questions About Songs Purchased On Itunes Not Playing On Iphone

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Charles asks…

How do i authorise my computer to import purchases from my ipod int itunes 8? ?

Just got a new ipod nano, i love it to bits, but i;m having issues importing the songs from my old nano into my library.

It telly me that my computer isn’t authorized to play the songs. How do i authorize it?

Justin answers:

Simply go up to “Store” menu at the top, then click “Authorize Computer”, once you do that, you should be able to right click the iPod in iTunes and choose “Transfer Purchases”.

For more information on transfering from iPods back to the computer checkout the link in the source (the article is more or less targeted at iPod Touch and iPhones, but some of the application recomendations work for other models as well)

James asks…

How do I sync my Creative Zen Player with iTunes?

I purchase a creative zen player which I love! I was able to transfer songs from My Music into the player however I am not able to transfer any songs from my iTunes library. I need step by step instructions on how to convert the ACC files I keep hearing about into MP3 format.
Any help would be grealty appreciated.

Justin answers:

Music files from itunes are under DRM protection. In order to play them on mp3 players other than ipod and iphone, you need a special program to help remove the protection mechanism and convert the music files. I always use tuneclone audio converter, which i was recommended to not long ago. It automatically generates a virtual cd burner, with which the music files can be converted at very high speed.
You can learn more about it from:

http://www.tuneclone.com

David asks…

What is going on with itunes match and my iphone?

My itunes had been working fine until a couple of hours ago when I opened it to see nearly everything greyed out and next to the music tab was a little cloud icon with a tilde (~) in it. I signed out of my itunes and itunes match accounts and then couldn’t sign back in. At first I got the 4010 error and then I started getting the 5002 error. After a call from tech support that ended up dropping, everything went back to normal. Now on my iphone nothing plays. I select a song and it just sits on 0:00 and never moves. There is no indication that it is trying to do something. My ios is up to date and I’ve tried trying to update the Terms and Conditions, but I don’t think they need to be. Oh and I’ve did the whole turn if itunes match in the iphone settings. That worked for one song. There is no difference as to whether the song was matched or uploaded to itunes match. I’m at my wits end and starting to get upset, what can I do?

Justin answers:

Same Problem here. IPhone, iPod and MBP don´t work with iTunes Match since this morning. I´ve tried turning off iTunes Match, reboot device, activate iTunes Match. No success.

Music directly stored on the device won´t play until i deactivate iTunes Match. ITunes-Store and download of purchased Music works fine. I also tried to deactivate the iTunes Match on every device, wait 1 hour and activate it. It shows all Covers, Playlists and everything else. But doesn´t play any Title. Stays on 00:00.

Maybe a problem since Sunday afternoon in USA. Some Services were not available (iCloud, iMessage, FaceTime). Hope they fix it soon….

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Your Questions About Investing For Dummies

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James asks…

Looking for a good “beginners guide” to investing in shares please?

I would really like to learn the basics about investing in shares this year, I have looked around and I found “Investing for Dummies” and “Shares Made Simple” can anybody recommend either of these or are here any good websites out there with beginners guides to the Stock Market and Investing?

I am serious about learning. Thanks very much in advance.

financi4 answers:

It is the ubiquitous question. Unfortunately markets are not simple. You can learn the rules, just like any game, and you won’t get far until you learn them. But it is a massive subject. Of course you have to start somewhere and a good, basic book is a start. As well as the book here: http://www.shareworld.co.uk/index.php/reviews/books/bgti/ I suggest reading Financial Times, Investors Chronicle and Shares Magazine. Just read, read, read. And keep asking questions if you don’t understan (like on forums)

Daniel asks…

Another basic investing question, with a little more detail. What do you think?

I need a book or some type of help grasping what exactly swing trading is and what kind of returns I can be expecting (if done right). I am looking at a couple books to purchase: the intelligent investor and investing for dummies. If my finances are limited to $1000-$2000, can swing trading bring in weekly-monthly income?

financi4 answers:

A swing trade is a short term trade somewhere between a day-trade (which may last minutes to the whole trading day) to an investment trade which is generally speaking 6 months or more.

A swing trade is really defined by the person executing the trade.

To the daytrader a swing trade may last a week which would be a long time hold for them
To the investor a swing trade may be 3 – 5 weeks as that is considerably shorter for their style.

Be that as it may, both types of traders have identified a short term rise in share price (a swing).

Whether or not swing trading makes you a decent weekly/monthly income depends on your skills at picking winning short term trades and avoiding losing trades.

Based on what you are asking here, I doubt you have those skills.

Let us face the facts of life….$2000 is not a lot of money to invest in trading.

What are your monthly needs in income…..even if you are single…unless you live with your parents you need somewhere between $2000 – 3000/month for food/rent/clothing and entertainment

You are facing the prospect of finding stocks that give 100% each and every month…It is not going to happen….you would be gambling and probably lose the money on bad picks in the first month.

With only $1000-2000 seed money and nothing added it would take about 10 years to build this into something decent……YOU DON’T MAKE MONEY BY SPENDING EVERYTHING YOU MAKE….You never get ahead that way. You must take your gains and reinvest them…not spend them.

So put away that fantasy of living off the stock market with savings of $1000-2000. If you want to be successful you will learn how to trade and build up your portfolio through reinvestment….it is worth it in the long run.

Richard asks…

Does anyone know of a website that helps newbie start investing with only couple hundred dollars?

Besides Investing for dummies book.

financi4 answers:

I’d suggest you start with Fool.com [1]. They’ll clue you in to the basics of investing, and show you ways to invest smaller amounts of money without drowning in fees. They also help you assess whether you’re really ready to invest. For instance, if you still have credit card debt racking up double-digit interest, the interest you pay will almost certainly outweigh your investment income. So you’re better off paying down your debts before investing.

Assuming you have no debt, though, you’re probably looking at either mutual funds (which often have a minimum investment of $500 or more) or Dividend Reinvestment Programs, or DRiPs [2]. DRiPs, and their cousins, Direct Stock Purchase Plans (DSPPs) allow you to buy stock directly from the company with little to no broker fees, using sites like Computershare [3]. Sites like Sharebuilder [4] provide a similar service, making purchases for you on a regular basis. They charge $4 for most trades, but offer far more companies and better support.

Once you get $2,500 or so under your belt, you might want to consider getting into mutual funds or opening a discount brokerage account at somewhere like Ameritrade [5] or Charles Schwab [6]. Mutual fund houses like Vanguard [7] and Fidelity [8] have long histories and typically charge no fees to buy into their funds. This is a good thing, because it means all of your money goes to work for you, rather than some salesman taking 5% of your money off the top. If this is retirement money, bear in mind that many mutual funds and discount brokerages have little to no minimum investment to open an IRA.

Joseph asks…

Value Investing For DUMMIES?

I’m 14 and i’m reading this book to get ahead because I plan to attend a top ranked business school. I am almost finished with the book and I have collected a lot of information. What is another book to branch off of that is not too complicated, but more strategic and advanced? This book was excellent and made more complicated concepts easy to understand. Now that I have the basic understanding it’s time to upgrade.

financi4 answers:

Good going! Pleased to hear there will be another generation who actually want to think for themselves in the financial world.

Try this paperback:

“The Successful Investor” by William J. O’Neil

it’s probably in your local public library.

***
O’Neil founded his own brokerage house after making enough money by investing to do so. He also founded the Investor’s Business Daily newspaper [I’m a subscriber].

***
After that you’ll be near ready for “Trade Your Way to Financial Freedom” by Van Tharp. This you’ll probably have to buy. Get the second edition, not the first.

Do NOT begin trading or investing until after you’ve read Van Tharp — he’ll give you the reasons behind some of the rules stated in O’Neil and Dummies.

{i’m a customer of Van’s, too}

Steven asks…

Which of these books about investing should I read?

I have ‘Stock Investing for Dummies‘ and Benjamin Graham’s ‘The Intelligent Investor’. I told myself I would read the entirity of the dummies one before I read Graham’s famous book, but I’m halfway through it (finish the first two parts) and it’s starting to get boring, and technical. Should I force myself to read the whole thing, or just go ahead and read The Intelligent Investor?

Thanks for any advice :)

financi4 answers:

If you are bored after reading 2 sections of a book then I suggest that you give your money away now and take up knitting or something else far less risky…..you will save yourself a whole lot of time and grief.

Seriously, investing is tough and you should be prepared to work hard to learn, before you learn the hard way.

Try a hands on approach with virtual trading, as that will either put you off or encourage you to stick at it…..at least you can not lose any money virtual trading.

Paul asks…

I’m looking for some good recommendations on books for stock investing for an absolute novice.?

I have looked at stock investing for dummies, but need a few more to check out and the ones I’ve seen are a bit more advanced for someone who has no background on the subject.
wow thanks for all the input. so are all these books good for a total idiot? I’m more of a computer and science oriented person and don’t know the first thing about economics and investment type stuff. My dad was explaining to me about stock options and puts and all these other nonsense and I was just staring blankly.

financi4 answers:

Books I have learned from:

Beginners should read: Andrew Tobias, The Only Investment Guide You’ll Ever Need

Everyone should read: Benjamin Graham, The Intelligent Investor — get the new edition with notes by Jason Zweig

Burton Malkiel, A Random Walk Down Wall Street (not that I totally believe the efficient market hypothesis, but it’ll make you take big claims with a grain of salt)

Philip Fisher, Common Stocks

Anything by Peter Lynch — start with One Up On Wall Street

Almost every book about Buffett. Start with The Essays of Warren Buffett or The Warren Buffet Way or Buffettology. Also books by his partner Charlie Munger.

Joel Greenblatt, The Little Book that Beat the Market
Joel Greenblatt, You Can Be a Stock Market Genius

Pat Dorsey, The Five Rules for Successful Stock Investing
David & Tom Gardner, The Motley Fool Investment Guide

*******************************************************************

P.S. Squeeg, I saw your followup. If you’re worried about the books we’ve mentioned being overly complex or technical, the only ones I’d worry about in that respect would be the Security Analysis book by Graham, and secondarily possibly the Intelligent Investor by Graham and Burton Malkiel’s.

Certainly the Tobias, Lynch, Greenblatt, Dorsey and most of the Buffet-related books are all very accessible even to the novice. Read Tobias first, it’s older but still fun and still accessible and relevant — plus it sold millions of copies, so you can find it used and save $.

Chris asks…

My dad needs me to buy stock for him, can you be my “Stock Investing for Dummies” book!?

Okay, So my dad doesn’t have a computer with internet available to him. Well technically he could go to the library….but he won’t. So he wants me to find a good site to buy stock for him (specifically a few Banks….don’t need advice on what stocks to buy, just where & how to buy!). I don;t understand ANY of the terminology so the website are just really confusing to me.

1. I need a website. Don;t even know if they cost money or anything, but preferably a free one…since I dont think he plans on paying for the site.

2. What payment methods are excepted? THIS IS MY MAIN QUESTION. Does he need to get a paypal account or something like that. All options listed would be best so that he can choose the right one for himself.

3. I need a step by step process of specificaly how to get to the page where I buy the stock. So a step by step guide to the specific website you suggest would be helpful.

Sorry…but I am MORE than a noob to this. It’s like asking me to speak a language that I have never even heard spoken. Again…I don’t need suggestions on what stocks to invest in. & NO..unfortunatly my dad won’t be having somebody else do this for him so it is up to me. Bad choice dad lol.

ANY HELP IS APPRECIATED> Thanks!

financi4 answers:

It seems you are helping out your family.

Well as someone stated before you will need to open an acoount with a broker. You can find one just by searching the internetor using yahoo.

Here’s a list of discount brokers in (alphabetical order): etrade.com, kingtrade.com, scottdrade.com, sogotrade.com, and tdameritrade.com
If you want tio open an account with a real life person search for locations of the mentioned brokers in the official site. Just go to the store loacator.

Yeah you will not get a free site. You will have to pay each time you buy and sell shares. Use Sogotrade.com because it is the cheapest.

You can deposit into your account using a personal check.

Donald asks…

Investing Online for Dummies?

I am new, new, new, new. I want to learn about investing and who and when to invest in, is “Investing Online for Dummies” ok to read since I am a bigtime novice? Thanks ahead of time.
Samadhi
Zyber and Jeff- Thanks a million for your advice. I am going to take it all to heart and keep on watching those finance shows. I will make sure be diverse.

financi4 answers:

Investing is tricky and you should be careful and take your time choosing what to buy. I use investopedia’s stock simulator. It keeps real time stock prices and you can buy and sell just like you would in real life. There are also a ton of resources there to help you learn about the economy and investing. The link for the simulator is here
http://www.investopedia.com/beginner.asp

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Managing Risk in Retirement Investing: An interview with Larry Stein, Author …

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Managing Risk in Retirement Investing: An interview with Larry Stein, Author …

There is investing, and there is investing for retirement. Totally different ballgame; much less margin for error. Larry Stein, CEO of Illinois-based Disciplined Investment Management and contributor to the “RetireMentors” column on MarketWatch.com is
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Investing in the spirit of London

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Investing in the spirit of London

Investing in the spirit of London. The legacy of infrastructure will benefit Britain for decades to come, but the world over, people will have been inspired by their sports heroes — in the Olympics and the Paralympics. By Dominic Jermey | Special to
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gulfnews.com
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