The Info Treasure Trove

Children grow up fast which means it is essential to consider saving when they’re young. By saving from just £10 to £25 a month with Scottish Friendly’s Child Bond now you could give them a head start for when they are older. Situations where this might prove useful might include helping to pay for university fees or making a payment to secure a place to live.

You can invest in a tax-free savings plan for any child with a Scottish Friendly Child Bond. It’s tax-free as it’s a friendly society savings plan, which means that under current legislation it grows free of income or capital gains tax. It can be a very welcome way for parents, grandparents, family members and friends to make a substantial financial difference when the childen are older.

To sum up the Child Bond is a with-profits investment plan: It invests for long-term growth as well as a certain element of security, in stocks and shares, fixed interest funds and cash.

The invested amount grows by means of the addition of potential annual bonuses and at the specified time the bond becomes payable there’s a tax-free payout. The value of bonuses will depend on how much profit we make and how we distribute it.
It must be realised that bonuses are not guaranteed.

The Child Bond may last for a minimum of ten years, but it is possible to invest for longer should you want - perhaps to coincide with an 18th or 21st birthday. You can save either monthly, annually or with a lump sum payment.We leave this completely up to you. Please note if the plan is cashed in before the end of the term, the amount the child will be paid may be less than the amount paid in.

If you go for the monthly option, you can make a start by saving from as little as £10 a month - up to a maximum of £25 a month. Or you can make yearly payments of up to £270 a year.

You can also pay all of the premiums in one go through our lump sum funding plan. If you invest the maximum permitted figure of £2,340 for a 10 year period, this actually invests £270 a year into the Child Bond - making twenty seven hundred pounds in total. The minimum lump sum of £1,040 will provide £120 a year for 10 years - a total of £1,200. This provides a way for you to pay all your premiums at a stroke and is extremely popular with grandparents who like the reassurance of knowing all premiums for the full length of the term of the plan are taken care of.

This plan includes life cover, so you should consider if this is suitable for your financial needs.

Property Index - for the best help in international properties investment.

Though the Property Index is actually a recent corporation, doing business since March 2007, they have established expert status very quickly. De facto, they are a quite hassle free corporation focusing entirely on offering advice to any individual who is dedicated to sell, buy, rent, etc. estate in a wide selection of areas across the globe. Their assurance is to help you out find precisely what you crave for fast not to mention unproblematically. Property is being offered across the globe at present, unquestionably the hippest area being property you can purchase in Spain. It should be no effort to write up the phenomenal realty you can purchase in Spain, the argument for looking for properties here is real estate available and the possibility of living amongst this high-spirited, eager and dynamic population.

This is one of the most sought after regions at present, and with the scenic splendor and wonderful climate surrounding you here, how can you be wrong! Property in Spain is steeped in history, art and culture, this country has always been home to various indigenous civilizations. Just one generation ago there was only very few of Britishers keen on realty in Spain. Just ask any individual who has relocated to Spain and they’ll certainly back this up. Many would view it as a fad and others view it as a close to an infatuation! People keen on moving over here extend from young yuppie couples keen on a new challenge to older people who intend to enjoy themselves and have a break.

Note that there may well be setbacks when attempting to buy realty abroad: there’ll be dozens of steps to follow when strategizing, inspecting or actually purchasing. Even if a single minute action is missed that will definitely provoke overwhelming setbacks plus, of course, more important, monetary loss. Naturally, as is to be expected with this favored region, realty may be expensive in this location which is, of course, merely a result of the top demand. Nevertheless the property buyer is actually very spoilt in terms of choice in a destination so determined by sun soaked topography. It truly has the whole enchilada a patron could really hanker for, and lots more.

Are you tired of working to make someone else rich? Have you ever wondered why your boss knows less than you but gets paid a lot more than you? There is a reason for this. It is not how much you know but what you know. If you know the one secret revealed in this article your income will take off like a rocket.

Imagine if you could work less but earn more money. Yes, it is possible for this to happen for you. You can earn more money doing 3 hours of fun work than you do working 40 hours on your unfulfilling job.

How can this be so? Well, first let me tell you that your boss either knowingly or unknowingly discovered a secret that has been making him or her a fortune at your expense. I’m sure you already knew this right?

The secret is simple, yet so powerful that once I tell you the secret, you will be able to change your circumstances forever. The secret that I learned from Marshall Sylver, one of the wealthiest people alive, literally changed my life. The secret is that “those who think govern those that labor”. Did you fully understand that universal principle? In others words, people who use their brain earn more money than people who use their brawn.

While you are trying to work harder and make more money to make ends meet, people who are more successful, work at improving their knowledge and then acting on it. Marshall Sylver put it this way, “working hard produces more hard work”.

From my experience, I found that once I learned how to change my thinking and concentrate more on building wealth my entire life improved. I have learned how to make thousands of dollars in a single day. I did this by educating myself in a highly specialized field and acting on it.

I taught this secret to a truck driver who, prior to me teaching him the secret, was forced to continue working more and more hours so his wife and children could eat without bill collectors calling and disrupting dinner. He spent all of the holidays away from his family because he was on the road all the time. In fact, I taught him this secret while he was driving and talking to me on his cell phone.

In less than a month he earned an additional $5183.50. He simply could not believe how easy it was to earn this level of income. You can now learn how to do the same. The power to increase your income is only a thought a way.

Today it has never been easier to learn how to think in a manner that produces you great wealth. I’ve written a blueprint for you titled, Wealthy Investing Secrets, that teaches you where one of the most lucrative opportunities for wealth lies.

The trucker I spoke about earlier is now able to be home for all the holidays because he was able to earn enough money to decide what and when he worked. He spends less than 3 hours a week to earn more money than he earned in 60 hours a week as a truck driver. In fact, jokingly he now tells me not to refer to him as a truck driver but as a stay at home husband and father.

Are you ready to change the title of your life? If so visit www.themoneymotivator.com now and order Wealthy Investing Secrets today.

Remember what Marshall Sylver said, “Those who think govern those who labor”.

To your outrageous success,

© Copyright David D. Wells. This Article and all contents are proprietary products. All rights reserved. You are welcome to forward the entire Newsletter to anyone interested as long as it is not edited in anyway and includes the Resource Box.

Often referred to as The Money Motivator, David D. Wells is passionate about helping people Crack the Wealth Code to become Money Magnets. Let him teach you the techniques used to help Hillary Clinton turn $1,000 into $100,000 in the course of a year.

Often times when people here the word “invest” they become
frightened. It is probably one of the most misunderstood
words on the planet. As a result, many employees as well
as other individuals refuse to invest their money in anything
other than a passbook savings or money market account. That
includes those who have retirement accounts available through
their employer.

So, what is stopping you from starting to invest? The following are three of the most common reasons are I found after taking a poll:

1. I don’t have enough money to invest.

2. I have to pay off my bills first.

3. I have money to invest, but I am afraid.

What can you do to alleviate your fear of investing? There
are many inexpensive ways to start investing. You can open
an investment account with a broker that sells shares or
partial shares of stocks, this type of broker is usually
found online. You can open a mutual fund account with a
mutual fund company, that will allow you to start with a
small amount of money. You can start investing with your
company employee retirement plan. And finally, you will
have to shed some old baggage about investing, for example,
“I will start investing when I get my bills paid off,” or “I am
afraid to invest.” The main questions being, how do you shed
this baggage and allay all fears?

1. The first most common reason the poll respondents don’t start investing is because they think it is too expensive. They feel a lot of money is needed to start investing in stocks or mutual funds.

There are mutual fund companies that will allow you to start
an investment account for as little as one hundred dollars,
and add as little as twenty-five dollars a month. You can
do a search for mutual funds in any internet search engine
or research them in your local library. There are many companies
that will allow you to invest in a few shares or partial shares
of stock, starting with as little as eight dollars a month, and
adding eight dollars a month to your account to purchase additional shares or partial shares. Using your company retirement account is another way to invest with ease. In most cases, you will have the option to pick among investments already chosen by your company. The money is taken out of your check, so you don’t miss the funds and you receive tax advantages.

2. The second most common reason the respondents gave is that they are told to pay off bills before they start to invest.

It is a good idea to have your debt well under control
before you start to invest. The interest rates on
outstanding debts are sometimes in excess of the interest
rates on investments, coupled with compounded interest, debt
payments can be excessive. There is an easy way to invest
after you have your bills under control, that is to treat
your investment savings as “just another bill,” before you
know it, you will have a significant amount of money in your
savings account, you can invest.

3. Fear was the third most common reason the respondents don’t
invest. This fear can be easily conquered with education and
detailed information about investing.

Do you have plenty of money to invest, but you are simply
afraid? I think the term for that is, “fear of the unknown”.
That is probably the easiest investment stop addressed in
this article. The Internet has brought learning to our
fingertips, there are thousands of websites that teach
investing from a consumers perspective. Brokerage sites and
web portals provide research with detailed information about
stocks, mutual funds and other investments to protect your
interest and your money. If you are not Internet savvy, take
a trip to your local library, the librarian will show you how to use investment research catalogs such as Value Line reports for stocks research, and Morningstar Mutual Fund Reports for
Mutual Funds research. Doing your own research will teach
you how to choose low risk, low cost investments. Investment
research will also teach you how to analyze the investments
that your advisor chooses for you.

Lois Center-Shabazz, who is the author of the award winning
book, “Let’s Get Financial Savvy! From Debt-Free To
Investing With Ease” ISBN #0971979502, and the founder of
the critically acclaimed investment teaching website,
http://www.MsFinancialSavvy.com

The stock market has been going up for the
last three years. Are you rich yet? What most
investors fail to remember is not how much you made,
but how much of what you made you keep.

There were thousands of paper millionaires in
2000 who are wishing they had known when to sell at
that time. Of course, hind sight is always 20/20. Is
there any method that could have been employed that
would have given an investor a chance to keep most of
his money? Yes, but even if your broker had known
about it his brokerage firm would discourage telling
you.

If you had known and told your broker he would
have pooh-poohed the idea and if his boss found out
he was encouraging his clients to follow the method
he probably would have been fired. It is a simple exit
strategy used by all prudent investors during bear
markets.

There are two ways to keep your money.

A simple trailing open stop loss order is easy, but
requires your attention on a regular basis. You must
first decide how much you are willing to risk. Many
professional traders recommend 10%, but depending
upon market conditions and type of equity it could be
more or less. When in doubt 10% is a good number.

Another very excellent equity-protector is a
simple moving average. The shorter the time frame
the quicker a position will be exited. Also many
stocks have a history of violent ups and downs. For
the non-professional it is best to invest in
no-load mutual funds and use a longer time
period simple moving average.

Even a simple moving average must be mastered.
Many texts on technical trading speak of action when
the line is penetrated, but experience will teach
the direction of the line is the key to the
greatest profits.

A long-term 200-day moving average line used
for mutual funds keeps the investor in the position
as the line is ascending. When the line turns down
the investor sells. The 200 line for mutual funds
is not affected by the daily movements of the stocks
within the fund,

Observation will prove that once a trend is in
place either up or down it will last for a considerable
period of time -usually years. During these down
periods the investor does not give back previous profits.
That is the key to becoming wealthy with equities.

In recent years many smart investors have
discovered bear mutual funds. These are very special
funds that move in the opposite direction of the general
stock market. 401K-type plans do not allow
short selling, but do allow purchase of this type of
mutual fund. Now the investor can make money while
the market is going down as well as up.

Brokers will not help you with this plan, but
it is your money. Unless you take charge you will never
be able to answer “YES” to that important question.

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 2006 All rights reserved.

Despite what you may have read or heard, anyone is free to open an offshore bank account nowadays! In fact, banking offshore has been used successfully for tax reduction and asset protection by both individuals and worldwide organisations for decades.

And opening an offshore bank account in this day and age couldn’t be simpler either! Here are five straightforward steps to take towards opening an offshore bank account.

Step One - Understand The Advantages Of Banking Offshore

There is no point in opening a bank account offshore if it is going to be of no use to you! So you need to understand some of the general advantages of banking offshore.

Depending on an individual account holder’s personal circumstances it’s possible to reduce tax liability, increase wealth potential and maximise privacy with the use of an offshore bank account.

Further advantages for an expatriate or internationally focused individual are the flexibility, ease of access and global reach that an offshore bank account may provide.

Other general benefits may include asset protection, estate planning, better interest rates and the chance to exploit active business interests overseas.

At this point it’s essential to point out that each individual’s circumstances are unique and a person should seek personalised professional advice before venturing into the offshore world. This article does not constitute direct personal advice.

Step Two - Pick Your Jurisdiction Carefully

There are so many offshore banking providers offering a wide variety of account type and they are located in low to no tax jurisdictions worldwide so how do you choose which country to bank in? Again, depending on an account holder’s personal circumstances certain offshore jurisdictions will present themselves as being more favourable.

Jurisdictions range in quality from highly regulated, politically and economically stable centres like the Isle of Man, Jersey and Guernsey to high risk jurisdictions that few would recommend!

Remember that an offshore centre that is suitable for an American expatriate might not be so suitable for an English international investor! Consider your circumstances, your country of residence, country of domicile and any reporting restrictions placed upon you. Further examine the reporting requirements of any jurisdiction that you’re interested in.

Step Three - Select Your Offshore Banking Provider

Do your due diligence carefully and find out who’s the financial security behind a particular bank. Research the bank’s history in terms of its stability and security. This research is mainly applicable to those thinking considering banking with a lesser known offshore provider.

Clearly if you’re thinking about opening an offshore bank account with HSBC then your research needn’t necessarily be so intense!

You need to make sure that you’re comfortable with your chosen bank’s attitude towards you, its customer, and if you’re considering online banking be sure that your connection to the bank will be secure.

Much of this essential information can be found online.

Step Four - Choose The Right Bank Account

With so many providers vying for customer attention there are more account types on offer now than at any other time before. Each account structure claims to offer something the others don’t, but remember that the more bells and whistles you add to an account structure, the more expensive the charges for running and marinating such a structure will be! And who will bear the brunt of these costs? Most likely you - the customer!

So, think carefully about exactly why it is you need an offshore bank account and what are the features of that account that are essential to you. Do not be tempted to add to this list any unnecessary complexity.

Stay in touch with your immediate money management requirements; do not be tempted to deviate!

Then work through what’s on offer and pick the account type that best suits your needs.

Step Five - Opening The Bank Account

Nowadays you neither have to visit the offshore jurisdiction in which you wish to bank, nor do you have to travel to the country for the continuance of your banking activity and account maintenance.

Depending on the jurisdiction you favour, the provider and account type you have selected you will be required to submit certain paperwork, forms of verified ID and deposit funds.

The majority of legitimate offshore banking organisations will also allow customers to conduct all ongoing banking activity via the internet, e-mail, post, fax or telephone.

With many providers now offering full credit and debit card services as well you will also have easy and direct access to your funds at all times.

Rhiannon Williamson is the publisher of ShelterOffshore.com - the online resource for offshore, expatriate and international investors.

For personalized investment and offshore advice, readers of Shelter Offshore benefit from the site’s strategic alliance with deVere and Partners, the world’s largest offshore financial advisory. Visit the http://www.shelteroffshore.com/index.php/
shelter/offshore_advice_service/; deVere and Partners offshore advice service page to find out more.

We have all seen the various headlines, ads and marketing hype.

“Use Japanese Candlesticks to spot reversals!” “Learn the secrets of the Pros.” “Learn when to take profits.” “Learn how to forecast reversals before they occur!”

The problem is that you cannot spot reversals or changes in trends until “after” they have occurred. No one can, although many profess to be able to do so.

Those who profess to have the ability to call reversals and changes in trends “ahead of time,” also expect you to believe they have the ability to “predict” the future.

After well over 20 years of market timing experience, please take our word for this… No one can predict, with any certainty or consistency, what the market is going to do.
Of course with so many analysts making predictions on a daily basis, someone will get a prediction right. But doing it consistently is something else again.

No one can predict, with any consistency, the future.

All we can predict with any certainty is… the markets will constantly change.

So if there is no way to predict what the markets are going to do, how do we time the markets?

By trading the long term trends that are inherent in free markets and always will be. Based on hundreds of years of history, markets will usually be in an up trend or in a down trend for sustained periods of time. Look at any long term chart and it will be obvious.

That is a fact. And from that fact a winning strategy can be created.

The Question Of Time Frame

How do we establish a trend has started?

Simply put, all we can depend on in the stock market is price. Price will change either up or down. Change is constant. If price moves higher for a sustained period of time, we are in an up trend. If price moves lower for a sustained period of time, we are in a downtrend.

The question of time frame quickly enters here as mutual fund timers cannot, by definition, be day traders. So a change in price to the upside, lasting several hours, while it may be an up trend to a very short term oriented trader, is useless for a fund timer.

The time frame for fund timers is in weeks and months, with an emphasis on “months.” There is no way around it. If a fund timer trades more frequently, he or she will face a much larger percentage of losing trades because the markets change so quickly from day to day that short term trends are much harder to trade.

But remember what we said previously… history shows that trends do occur in the markets that last months and even years. In fact, the stock market is trending in measurable long term trends about 80% of the time.

Think 2000 through 2002, an obvious downtrend. Think March through December of 2003 when the market rallied non-stop. Long term trends that are easy to see on historical charts. They can also be traded with a high degree of profitability, over time, by using trend trading strategies.

As Trend Traders We Aim For The Moon

Trend traders, as we at Fibtimer are, do not try to catch exact tops. Nor do we try to catch exact bottoms.

We do not believe that anyone can.

Of course with hundreds of different opinions available at any time, someone will always be lucky and call an exact bottom or top. The financial news media is quick to go with the hype.

But try and do it over and over and over.

So how do trend traders know when a trend and begun?

The answer is… “after” it has started. Using prices, which are the only measurement of the markets that can “always” be depended upon, we can create rules that define when we are in a trend.

We could say that if the market rises a specific percent from a low, that we are in an up trend. At that point, we can take a long, bullish position.

But when do we exit? Do we exit after we have a 10% return? Or maybe set a goal of 20% and cross our fingers?

No… as trend timers we aim for the moon. If a trend goes 200% we want to be on board it from our entry point, right to the 200% point. We want it all.

But, then how do we know when to exit? The answer is simple…

Going For The Home Run

We exit “after” the trend has ended, and not until then. That means we stay until “after” the trend reverses.

When we start the trade, we go in looking for a home run. The sky is the limit.

We do not exit the trade until the market reverses and “prices” have moved far enough in the “opposite” direction to tell us a “new” trend has likely started.

That means we usually don’t get in or out at any exact bottom. It also means we usually don’t get in or out at any top. It means that sometimes we take small losses when our requirement is met for a new trend, but the trend fails (and they do… remember the 20% of the time when the markets are NOT in a trend).

But most importantly, it means we never miss any substantial trends, and we ride every trend as far as it will take us! All identified trends are traded. All of them.

This is where market timers make their big profits. They do go through occasional boring sideways markets, but when the market does trend, they are “always” on board for the majority of that trend.

By always going for the home run, trend traders, like baseball players, may have lots of strike outs (small losses). But those strike outs are obliterated by the home runs which we ride for all they are worth.

In the aggressive strategies, we make money in both up trends and down trends. These are the strategies that score big during bear markets.

And importantly in all our timing strategies, we cut our losses when a trend does not follow through.

Great fortunes are made trading trends. It takes a strategy. It takes discipline because you must stick to the strategy in all market conditions knowing that no one knows when the next trend will start.

But by trading trends, you know that over time you will beat the markets and be hugely profitable.