onlineloans's Blog

It's always exciting to discover new and rewarding investments. Everyone knows about and invests in stocks, bonds, mutual funds, etc. But few take the time and effort to scout for new and better opportunities.

Lucky for you, you've found what I consider to be one the highest yielding and safest investments in the world: Tax liens.

You may or may not know a lot about tax lien investing. So, I'm going to help by showing you some of the benefits in store with tax lien investing. Then, you can make your own decision as to whether or not tax liens are right for you.

Here are some of the benefits:

1. High rates of return. You can achieve rates ranging from 20-300% depending on the state and how fast the tax lien redeems. This is outstanding in the world of investments. Not to mention the fact that these returns are stipulated by law. No guesswork is necessary to predict your profits. With tax liens it's clear as day.

2. Great safety. If you do proper due diligence before investing, tax liens are extremely secure. You own a first position lien on the real estate. If the property owner fails to redeem within a certain time period, you can foreclose. This will make you the new and rightful owner of the property. Imagine that! Winning a piece of real estate, free and clear, for the cost of back taxes!

3. You can start where you are now, even if you don't have a lot of money. Tax liens don't require huge amounts of capital. You can get in the game with a couple hundred dollars if you want to. Of course, you can also invest large sums of money just as easily. It's entirely up to you. You can target the big multi-thousand dollar liens on expensive properties, or you can go after the small two hundred dollar variety.

4. Tax liens are still relatively unknown by the masses. This puts you in a prime position to capitalize on this opportunity with little competition. Of course it won't always be this way. The sooner you can get started the better. If you start now, you'll be well ahead of the stragglers who are still ignorant of the benefits tax liens have to offer.

It's safe to say that tax liens are a very unique and rewarding investment. This article has only outlined the basic benefits of tax liens. As you begin investing, you'll find that tax liens have more to offer you than you ever would have thought.

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You're only seconds away from learning how to achieve consistent 20-300% returns on the money you invest with complete government certified safety. Discover new and innovative strategies for tax lien investing that'll completely transform your investment portfolio. Click on: Tax Liens NOW!

An antique car can be a huge investment in both time and money, but for many it is a dream come true. Some types of antique car insurance can be very restrictive, so when shopping around for antique auto insurance, make sure that you understand all of the policy and what is covered.

Insuring Your Car

When shopping for an antique car insurance agency, you will probably want to ask around or at least read message boards on line to get an idea of what kind of reputation an insurance agency may have. There will always be a few people who have nothing but ugly things to say, but if the overall feedback for a company is good, chances are they are a legitimate, upstanding company.

Some antique auto insurance companies have stringent restrictions for what type of car they will register. Many companies will only register a car as an antique car if it has a certain percentage of the original, factory installed parts. Many antique cars today have been restored using replacement parts, new carpet, and new glass and so on. These cars may not qualify for antique car insurance with some companies. Of course there are also agencies that understand about restoration and that you can't always restore it completely to the original specifications.

One big restriction some insurance companies have once you insure your car with them is that the car must be kept in an enclosed, locked garage when not in use. In addition, some companies may only let you drive a certain number of miles or strictly for pleasure use. The limitations on these cars can be pretty limiting, so you may not be able to use your antique car as your primary vehicle if you insure it with an insurance agency that specializes in antique cars.

Some antique auto insurance agencies may also require an official appraisal and a photo of the car once you do decide to insure it. A few agencies even require the owner or main drive to be 25 or older with a good driving record.

Insuring the car of your dreams can be a little frustrating. With all the limitations imposed on antique car owners by some insurance agencies, it may feel a little like walking through a minefield. If you do decide to insure your antique car with a specialty insurance company, just make sure you understand all the limitations and benefits of the policy before you actually need it.

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Ouch! The mighty Dow has fallen to within a financial heart beat of its 1999 high water mark, boasting an average per year gain of less than one half of one percent in spite of several interim manipulations designed to improve the performance picture. The S & P 500 Average, an equally prestigious indicator of broader market movements, is nearly 13% below where it was at approximately the same time. Both figures reflect no investment expenses at all. So, in spite of the mostly ignored fact that neither index includes any income securities (bonds, preferred stocks, REITs, etc.), a reasonable person could well expect his or her portfolio market value to be well below where it was nearly ten years ago! Now that's a fairly dismal scenario, but it's the in-your-face reality for most investors as we move forward into what we all hope will be a more spring-like investment climate.

The chronic failure of market value indices and indicators to move ever upward with less amplitude is a function of both fact and emotion. The basic facts involved are economic, and there has never been a stock or bond market cycle that has not been affected by the natural movements of the world economy. (The China syndrome, by the way, is evidence of the strength of capitalism--- a pat on the back as opposed to a slap in the face.) It is the emotional realities of the investment world that have led to the rise in volatility. Greed and fear have always had in impact on markets, but as the numbers of individuals with self-directed portfolios has grown, so have the magnitude of the ups and downs.

There is less stability now in even the most conservative investment portfolio structures, as evidenced by the current weakness in fixed-income-content securities despite major reductions in interest rates. Even though interest and dividend payments have been maintained throughout the credit difficulties, these securities have lost some of their market value. But it was investor demand and investment institution greed that led to the creation and distribution of the securities that led to these problems. The problems will be resolved eventually, income security market values and the market indices will move ahead to new high levels. Only the ulcers will remain, while Wall Street creates the new products that will fuel the financial crisis of 20XX.

The Working Capital Model (WCM) approach to portfolio performance evaluation eliminates the tears and fears because it is based on more than the current market value illusion of wealth--- a number that won't sit still long enough to ever be meaningful. Market value, within the WCM, is used only to determine what to buy and/or when to take profits, but all structural decisions are based on Working Capital and all performance evaluations are based on investor goals and objectives. Working Capital is the cost basis of your securities plus any uninvested cash that is looking for a productive home. Its movement reports on the effectiveness of decision-making during the markets' gyrations. Since 1999, both Working Capital and income production should have grown considerably.

Understanding Working Capital is easiest with bonds, the primary purpose of which is to generate income that can be spent if you choose to, without dipping into principal. Principal, by the way, equals cost basis. A bond portfolio whose market value is below (or above) cost basis pays the same amount of interest as it does when the market value hasn't changed. In other words, the bonds do their job regardless of what their current price happens to be. In most instances, the only way you can actually lose money is to sell them when your emotions get the best of you.

Variables in the stock market are more numerous, but all the charts will tell you that IGVSI companies almost always survive market corrections and move forward to new market value highs, eventually. Since the purpose of equity investing is to generate growth in capital (profits are called capital gains, aren't they) when the market value exceeds the cost basis by a reasonable amount. The key to finding a comfort level with equities is to look at the fundamentals (P/E, profitability, debt-to-equity ratio, dividend payment, etc.) of the companies you own and to avoid the current news analyses. Avoid looking at current market value, particularly when the market is in a cyclical downturn, unless you are thinking of adding to significantly weaker positions to reduce the average cost of your position--- an integral part of the WCM.

None of the numbers on your Wall Street designed statements reflect your personal deposits to your portfolio, but the Working Capital total, which should always be higher than your net deposits, is unintentionally clear. Your statement compares market value to cost basis and does not consider the gains and income that you have reinvested in your holdings. Perhaps even more insidious is the fact that withdrawals from your accounts are not reflected. If you are purchasing stocks when they move lower in value and selling any of your securities when they move higher, the securities reflected on your portfolio should always be unimpressively black or green. Seeing red should not make you see red.

The WCM focuses on the purpose of the securities an investor holds. The performance of income securities is evaluated by measuring growth in income while the performance of equities is based on the amount of capital gains dollars that profit taking adds to Working Capital. Even when both investment markets are correcting to lower valuations, contributions to Working Capital will continue. Working Capital will grow constantly; the rate of growth will vary with rallies and corrections. If you can embrace the WCM focus on non-market value issues, you will sleep better in all markets.

Most investors are either preparing for or have arrived at the point in time where they want their portfolio to provide the income they need to retire or to fund other activities. The WCM assures that the asset allocation will support the income production efforts, but only when the actual cash withdrawals remain a smaller number than the total income. If you withdraw more than you make, including any commissions that you choose to treat as a flat fee, your Working Capital total will fall and your portfolio's ability to produce a growing level of income will fall with it. In most cases, the amounts you withdraw from your portfolios are totally under your control and can be kept below the amount of income produced. The longer you can keep it that way, the more secure your retirement income will become.

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Steve Selengut Sanco Services Value Stock Index Author: "The Brainwashing of the American Investor: The Book that Wall Street Does Not Want YOU to Read" and "A Millionaire's Secret Investment Strategy".

Selling common stock shares is not a difficult process, but can be expensive for someone that has no understanding of how common stock is bought or sold. Common stock shares are shares in an individual company that is sometimes called voting stock. For each share that is owned, the shareholder is entitled to one vote.

Common shares are different from preferred stock in one important way: preferred shares do not give the shareholder voting rights but all dividends issued by the company will be paid out to preferred shareholders before common shareholders.

Selling common stock shares happens everyday that the stock market is open, in fact almost all trading taking place during the trading day are common shares. For the inexperienced, selling common stock shares may sound difficult, but is usually a rather simple process.

For example, say someone received a stock certificate that gave him or her ownership of one thousand shares in a public company. If the person decided they wanted to convert the stock into cash by selling the stock, they would first need to take the stock certificate to someone licensed to sell securities.

For someone that does not plan on buying or selling in stock in the near future, his or her local bank is probably the best option. Since almost everyone has a bank account and most banks, not all, have an employee that handles investments for clients, this person is usually licensed to sell securities, another name for stocks.

All the person would need to do is take the stock certificate to their bank in which they have a bank account, ask for the investment officer and have them place the trade to sell the common stock at the current price on the open market. Once the stock clears and is delivered three days later, the money is available to the person that sold the stock.

Another option for someone that has common stock to sell is to open a brokerage account. Brokerage houses come in many shapes and sizes with boutique type houses available catering to the different needs of the many types of investors.

Unless future investments are planned, a full service, living and breathing broker is not recommended. A full service broker is very expensive and commissions for one executed trade to sell common stock can range anywhere form a percentage of the total sell or hundreds of dollars.

Some brokerage houses charge by the total amount of shares sold or may charge for each five hundred 500-share increment, or lot of common stock sold. In either case, a full service brokerage account is not recommended for a one time stock sell.

The best option for someone that wants to sell common stock is an online brokerage account. Anyone with access to a computer can open a brokerage account. Once the account is opened online, the stock certificate is then mailed or sent over night by FedEx or UPS to the online brokerage house. Commercial carriers such as FedEx or UPS are preferred since they have a better reputation for guaranteed delivery.

Once the stock certificate reaches the brokerage house, the stock certificate is then checked against the transfer agents records that issued the certificate to confirm ownership and then the stock is placed into the shareholders online trading account. Once in the account, the shareholder is free to sell the stock at anytime during market hours.

Selling common stock shares is not difficult and with easy access to online brokerage firms, it is also inexpensive.

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Phillip Hatley has been trading the stock markets for eight years. For more information about trading and investing, please visit his blog.