Saturday, May 9, 2015

Four Things You Need to Know About Angel Investors

Like Money from Heaven

Angel investors are people who have some money to invest and choose to provide capital for an entrepreneur just beginning a new business. In return, the angel investor receives ownership equity or convertible debt. As Robert Bratt will tell you, some of today’s biggest companies started small with an angel investor. 

Not Only for Millionaires
The term angel investor was coined to describe people who invested in Broadway shows, but today it refers to anyone who invests in an entrepreneurial company. One of the reasons people are attracted to angel investing is because the returns can be much higher than traditional investing, but the main reason is because they want to help an individual. However, most angels are not millionaires. They are medium to high income earners who are looking for the next big thing. This means there may be people you know who would be willing to invest in your start-up. 

Not Venture Capitalists
Angels are the opposite of venture capitalists because they are investing their own money in the start-up and not someone else’s. Some angels are former entrepreneurs who got help from an angel and want to give that opportunity to someone else. Angels also give more favorable terms than other lenders because their aim is to help. Often an entrepreneur can find an angel among their family members and friends. 

Angels You Know and Angels You Don’t Know

There are two types of angel investors. One type is the person you know as already mentioned. The other type is someone you don’t know, and you find through an organization or list of angel investors. Before choosing an angel you don’t know, you need to make sure what the terms are. This is not just the terms of the loan but other things such as what percentage of your business are you giving in equity, and can they fire you.

Some Tips When Meeting an Angel

• Don’t offer too much equity in the beginning. You may be tempted to give a higher percentage of your company to get more money, but this should be avoided because it is not good long-term strategy. 

• Be very fluent in your financials. Investors want to see that you know the ins and outs of your money, and how you plan to make a profit.

• Include a salary for yourself in your calculations. Angels expect you to do this because it shows that you respect yourself. If you can’t take a salary some months because of other expenses, you should keep track of how much you earn, and take your salary as soon as you can. 


Whether it is an angel you know or not, angel investing is an excellent way to either get your business off the ground, or take your already successful fledgling business to the next level.
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Wednesday, May 6, 2015

Binary Option platforms

A binary option also known as digital option involves paying off in two possible outcomes; All or Nothing. With binary options platforms, it is possible to trade in the global financial markets through a user-friendly interface so as to apply your strategy and make immense gains from your predictions. A binary options white label will help you to customize your trades and build your brand so as to meet your desired needs and capabilities.

The binary options industry is becoming flooded with numerous binary option platforms. Thus, there is a need to make an informed decision when choosing your preferred platform so as to create and take advantage of the short-term trading opportunities. Apart from the binary options white label that ensures you have a platform that is designed to provide you with solutions, picking a binary option platform can be a tedious process. Here are a few tips to help you choose a binary option platform that works for you;

Find a free to use platform that requires no downloads.

With the tremendous growth in global trade nowadays, it is easy to find a binary option platform that is 100% web-based thus does not require to be downloaded. More so, get a platform that allows you to register for free without asking for any membership fee unless for a minimal opening deposit after registering so that you can maximize your earnings with no extra costs.

Choose a platform that provides you with reliable security features.

You want to make sure that you are protected from online theft as a binary options trader. Getting a platform with a built in 128 bit SSL (Secure Socket Layer) from a reputable security provider saves you the worry as it helps to encrypt your credit card information. Be assured it prohibits unauthorized access to your account and maintains a 24 hour thorough and efficient support services so as to be responsive to all your inquiries.

Choose a platform that offers you about 65% of your returns, as well as other payments.

As a binary options trader, your main area of interest is making well to do payouts. Therefore get a platform that offers fixed returns of between 65-80% for the binary options that expire in the money. For the out of the money payouts, some platforms will not provide a single dime so look out for those that give a minimal percentage return so as to minimize your risks. Ensure that it offers a variety of expiry periods and payment options.

Choose a platform that allows you to withdraw your money whenever you want.

Avoid platforms that offer you a bonus after making your initial deposit as they hinder you from accessing the money later. Review the withdrawals policy and ensure you properly understand it regarding the issues of withdrawal waiting period, accumulations of returns, etc.

Identify a trading binary option platform that operates with a wide range of currencies.

A platform that does not restrict on currency is very appropriate as flexibility in binary options is very critical. Select a platform that can work with at least the most common currencies such as the US Dollar, British Sterling Pound, Euro as well as the currencies you deem most appropriate for your trading.

Select a platform that provides with the opportunity to trade many assets.

A platform that allows you to trade over an extensive number of different assets provides you with a fulfilling trading experience. Ensure the assets you want to trade are available and that their accessibility is not restricted based on your residence.

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Wednesday, April 29, 2015

Best Roth IRA Providers 2015

Best Roth Ira Providers
To help in retirement Roth IRA helps individuals to contribute funds that are not tax deductible. Selecting Best Roth IRA providers of 2014 and 2015 is a very important decision. Roth IRA's are seen as important saving vehicle for your retirement. It is an effective way of saving for your retirement. You can contribute to a Roth IRA from the money earned from a Job.

Compare the best roth ira providers or companies for your Roth IRA. When selecting a Roth IRA providers, one has to consider a lot of factors such as trading fees, transaction costs and commissions per equity trade. Here we have highlighted the best Roth Ira providers for you to choose by considering all the factors.

1)    TDAmeriTrade: An IRA at TD AmeriTrade is easy to establish and makes retirement planning easier to establish.  At TD AmeriTrade, you don’t have to pay any maintenance fees and also comes with best tools and resources in the industry to help you build a right portfolio for your retirement. It is perfect for involved investor and requires $2500 to start and charges $9.95 per stock trade. It is also ranked as Best Roth IRA account provider by Kiplinger.com


2)    Fidelity:  The Roth IRA at Fidelity is easy to setup and has a full array of Investment products such as Mutual funds, stocks, ETFs etc. to contribute to.  Fidelity has excellent customer service which prevents you from straying to other firms. It has no account fees and charges $7.95 per stock trade.  The maximum contribution is $5,500. 

3)    Vanguard:  Vanguard has been the most trusted Roth IRA provider for many years. The Minimum contribution is $3,000 for any of the funds you choose.  You can get a lower fees and top notch customer service from Vanguard.

4)    ShareBuilder:  ShareBuilder is considered as one of the best Roth Ira providers for lot of reasons; automatic investing feature with cheap or zero cost trades, no account opening fees. . It has a low minimum to get started. Minimum contribution is $250 and charges $6.95 per stock trade.

5)    Charles Schwab: It is one of the very best Roth IRA providers and is trusted in investment circles. It has advanced trading platforms, retirement planning tools and resources to understand IRA’s.  It has zero service fees, the minimum contribution to start an account is $1000 and it charges $8.95 per equity trade.

6)    E*Trade:  E*Trade is a well-known name and it features one of the best Roth IRA providers options available.  The trading screen of E*Trade is very friendly and has a very clear portfolio view with plenty of tools to facilitate portfolio management. It has zero setup fees, zero annual fees and charges none for IRA termination fees.  The minimum contribution to start an account is $500 and it charges $9.99 per equity trade.

7)    Trade King:  Trade King is one of the Best Roth Ira providers that have taken the market by storm. It is preferred by many Investors over the other Roth Ira Account providers. It doesn’t charges any account opening fees or annual fees but it charges for account inactivity. It also charges $50 for termination or for transferring the IRA. The minimum contribution to start an account is $600 and charges a very low commission fee of $4.95 per stock trade.

8)    Scottrade: Scottrade is a serious contender to be one of the best Roth Ira providers. It doesn’t charge any account maintenance fees or any fees for account termination. The minimum contribution to start an account is $500 and charges $7 per equity trade.

The Best Roth IRA Providers or brokerage companies were chosen depending on the various factors and this list will help you to choose the best brokerage to open your ROTH IRA.
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Wednesday, April 22, 2015

How to Build a Complete Financial Portfolio

Chasing your desired lifestyle is something that is attainable with the right investment knowledge. Learn exactly how to build a financial portfolio.

Tips for Building a Complete Financial Portfolio
For most every one of us, there are hopes and dreams that drive us. These include where we want to live, what attire we wear and how we choose to invest our cash. For many folks, the true costs of attaining that type of lifestyle are difficult to ascertain. Fortunately, there are several methods that can be used to empower action by building a financial portfolio. The question that needs to be asked is what comprises a good financial portfolio? In short, the answer is a 6-month emergency supply of cash, a well-stocked retirement account, zero debt and a broad range of investments across the financial spectrum.

Planning is Paramount
Getting started is a breeze. It requires a handful of resources in a pen and a piece of paper. First start off by listing all the assets that you currently own such as liquid cash, CDs, retirement accounts, cars, bonds, stocks and mutual funds. Next up, list all of your liabilities – long-term loans, short-term loans, credit card debts and so on. All liabilities should be listed since the best way to accurately create a complete financial portfolio is with all relevant information. Your balance sheet will list total assets and total liabilities, and compiling a financial portfolio can take a significant amount of time.

Fire Up Your 401k
For the most part, companies will match all of your contributions to your 401k account. The longer your tenure at the company, the greater the matching contributions will be. 401k accounts can grow at a tax deferred rate for many years (20, 30 or 40 years) and this can translate into millions of dollars.

Pay Down Credit Card Debt
High interest credit card debt is a burden that can kill an investment portfolio. Funds can be diverted from investment accounts and mutual funds to the reduction of debt on your credit cards. The maximum payments should be made on the cards with the highest interest rates, while minimum balances should be paid on the other cards.

6-Month Emergency Cash Reserves
Homeowners are best served with a 6-month cash reserve for emergency purposes. This allows for coverage of all exigencies such as medical, home repairs, student loans, fixed payments, and unemployment related issues.

Purchase Roth IRAs
For American investors, Roth IRAs are ideal for individuals with an annual income of $150,000 (married couples) or $95,000 (singles). The benefit of funding a Roth IRA is that you can withdraw your funds anytime you want at no cost. At age 59.5, the withdrawals are tax-free. Further, you can use Roth IRAs to buy CDs, stocks and bonds. And you can use your Roth IRA funds to enjoy zero-penalty medical insurance premiums if you have been unemployed for 3 months or more.

Making a Down Payment on a Home
Making a down payment on a property is an effective way to move away from an expense item to transforming something into equity. All interest-related payments are tax deductible and there is a capital gains tax exemption of $500k for married couples and $250k for single couples. Homes can be purchased with a 20% down payment and a 3% - 4% annual gain.

Author’s Bio: Brett Chatz is a graduate of the University of South Africa, and holds a Bachelor of Commerce degree, with Economics and Strategic management as his major subjects. Nowadays Brett contributes from his vast expertise for the globally renowned spread betting and CFD trading company – Intertrader.
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Thursday, April 16, 2015

Three Simple Strategies That Will Help You Build Substantive Wealth


These days, many individuals are interested in building substantive wealth for themselves. Whether you're attempting to accumulate wealth to pay off loans, put your child through college, or retire well, it's important to note that you can realize your vision. To get you started on the path to developing the type of economic freedom and power that will improve your quality of life, consider implementing the following three simple strategies:

1. Study Financially Successful People.

One great way for you to start building a strong financial future is to study financially successful people. This will help you in numerous ways. First, it will function as motivation as you see that everyone who is now rich did not start their life journey in a wealthy place. Additionally, studying the lives and ideas of wealthy people will empower you with knowledge regarding the systematic steps and strategies they took to start accruing assets and capital. Once you start the process of studying financially successful people, consider an individual such as Robert Rosenkranz. Rosenkranz is currently the CEO of Delphi Financial Group, and he has developed extensive financial wisdom that you can learn from to start building your own capital. Additionally, Rosenkranz is a successful photographer and is a member of the Visiting Committee for the Department of Photography at The Metropolitan Museum of Art.

2. Invest.

Another strategy that you can implement to start building financial wealth is investing. This method can prove very efficacious because it empowers you to develop a stream of passive income once you learn how to make prudent decisions in this venue. If you are unfamiliar with the world of investing, it can be helpful to take several classes and/or hire a professional financial adviser who can provide you with sound counsel regarding how to make economically prudent investment decisions.

3. Develop Multiple Streams Of Income.

One of the things that you may notice as you begin to study the lives of financially successful people is that they tend to develop multiple streams of income. This is an important and advantageous strategy because it empowers you to continue earning money from one venue even if another well dries up. There are infinitely many ways that you can develop an additional stream of income, including but not limited to investing, creating a blog, participating in money markets, and selling clothes on eBay.

Conclusion

If you're serious about building a strong financial future for yourself, you should know that there are numerous ways that you can turn your vision into a reality. By implementing some or all of the financial strategies outlined above, you will likely find that your money starts to grow
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