The Only Level Playing Field in Investing – Options

I learned options late in life, accidentally, trawling the pages of the ancient magazine Exchange and Mart in 1995. A full page article showed how an options trader could work from home, (actually in bed) using prices from the BBC’s teletext, back in the day. A lot has changed, but options have been around for centuries-pre-dating shares, being used for pricing ships’ cargoes. In the 1980s options became exchange traded, and fortunes were made. Warren Buffett is a keen options trader, Nassim Taleb was the most prolific. They are not idiots and neither are you if you have read thus far.

Investing is the word we use for a trade that went wrong! Investing is mostly passive and requires you to be right and/or to tuck your stocks away for decades. With markets hitting new highs and valuations stretched, you have to realise the stock market cannot keep going up. If you are happy with paltry dividends and the certainty that your stock will at some point in the future be worth half what it is today, then read no further. QE is no longer on the table and that is all that has separated stocks from realistic valuations.

So what are options all about? In our world we only trade the FTSE100 options. Why? Because the entire index is unlikely to get arrested for fraud/sexual harassment/bogus accounting/toxic products, and all the other nasties that can destroy a company’s rep in a heartbeat. So FTSE is the underlying on which our derivatives are based. Options are the right to buy or sell the underlying (priced by the exchange at £10 per point cash settled) but NOT the obligation. In the same way as insurance companies collect premiums, however, options can be sold. Did you ever see a poor insurance company? When you get it right, selling options can bring you a monthly income stream of a comfortable 2% per month, consistently. Nothing else comes close.

So who are the buyers of options if everybody sells them? Well that is the biggest part of education, and the reason I have traded profitably since 1999. Yes I have had failures, and panics- but I made nice profits in February while the market dropped 10%, despite being a bit dim! I learned about options from an expensive course and from much of the free training on the internet. A while ago I met a like-minded options trader, he runs the website to which I contribute every week, with a real trade, and general tittle tattle about our world. It’s utterly mind-blowing when you start to understand options and the endless combinations, and 20 or more strategies that we use. I love options trading and I want to reach those with a pot of cash who seek income, and a sensible method with risk management, but who don’t know where to start. We are not just about newbies though-there are insights for all. And… we don’t want your money.

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What You Need To Understand To Invest In Real Estate

Investing in real estate scares some people. Understanding just what will happen when you invest, and even how to do it, can leave most people bewildered. This article’s been assembled to supply you with the some easy, but effective tips on entering the exciting field of real estate investing.

Remember that real estate investing is all about the numbers. When you’re buying a home to live in, you may get emotional about the place, but there’s no room for that in investing. You need to keep your eye on the data and make your decisions with your head, not your heart.

Do not be afraid to spend money on marketing. It is easy to just focus on the numbers and get fixated on how much marketing is costing you. However, it is important to think of the marketing as an investment in and of itself. If done the right way, it will only benefit you in the end.

Keep an accountant on speed dial. You can be aware of tax laws and current taxation; however, there are many variables to keep in mind. A good accountant, that understands and keeps abreast of tax laws, can be an invaluable asset. Your success with investing can be made or broken by your approach to taxes.

When negotiating, you should limit the amount of talking you do. You will be surprised at how often someone will do all the work for you just by letting them speak. Also, because you are listening, you will catch the right moment to strike for the price you seek.

As you look for investment properties, seek those that are likely to grow in value. Purchasing anything near water or close to other businesses will be beneficial to you later on. Think about the big picture and the chances its value will increase.

Don’t let your emotions cloud your judgement. Choosing a property to invest in should be a business decision, not an emotional one. It can be easy to get attached to a house or really fall in love with a location. Try to always look at things objectively. Shop around for the best deal without getting attached to one of the first few places you look at.

Find a contractor to work with that you can get along with. There’s no reason to get someone to help you with fixing up the real estate you invest in if you don’t like how they operate. You can save yourself a lot of frustration if you just find someone that you know will work well with you.

Stay away from deals that are too good to be true, especially with investors that you cannot trust or do not have a good reputation. It is important to stick with those who have a good reputation because getting ripped off in this business can cost you a lot of money.

Build your real estate investment buyers list with online ads. For example, you could use social media, online ad sites such as CraigsList and/or the local newspaper to draw attention to the properties you have on offer. Be sure to retain contact information for every person who shows and interest so you will have a well-rounded contact list as you accrue new properties.

Know the value of your time. You may enjoy renovating properties, but is the time you’re spending on it time well spent? Consider if you could better spend your time by searching for the next opportunity. If you are able to outsource certain jobs, then you should do so. It’s worth freeing up your time for the more important aspects of your business.

Don’t buy property in a bad neighbourhood. Pay close attention to where a property you are interested in is located. Make sure you are very thorough when looking at the area. Homes in bad neighbourhoods are often low-priced. The property could be at risk for being vandalized and may be hard to sell.

If you are thinking about purchasing rental properties, consider hiring a property manager who can help you screen qualified tenants. Because rental payments are likely to be the source of your mortgage payment, your tenants need to be reliable. Otherwise, you may end up losing money.

Before you buy investment property in a neighbourhood, find out if the city has anything planned for the areas surrounding this neighbourhood. For example, you would not want to buy in an area if the city proposed to turn an area into a landfill. If there are positive improvements on the horizon, this may be a good investment.

Don’t let a real estate investment deplete your emergency reserve or cash fund. When you invest in real estate, you’ll often not be able to access the money for a while. Don’t let this situation destroy your ability to live from one day to the next.

Know what you should be looking for in a property based on current trends in the market. For example, if you’re going to rent out the properties you buy, then it’s best to have units that are for single people, which is a current trend. Another example is to ensure any home you buy has three or more bedrooms because it will be easier for you to sell or rent to families.

As you see, there is a lot of information to learn regarding real estate investments. This article has provided you with the proper foundation concerning real estate investing. So, remember what you have learned, keep learning and get into real estate investing today.

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How to Find a Commercial Hard Money Lender

Tip # 1: Use The Information Traffic Highway

In today’s modern age it is true that everything is available on the Internet. The Internet can give you access to countless websites and databases of where to find the best lender. When it comes to commercial hard money lending there are different things that come to be needed for different lenders. That means that depending on lenders specialty then you can narrow down your search depending on what type of loan you are looking for.

When doing any type of transaction over the web you should be very careful! There is so much identity theft going on that people need to be careful where and what they are inputting in a website.

Tip # 2: Call Before Accepting Your First Offer

There are more than enough options to choose from in most areas when looking for a lender. It is very helpful to call your local lenders and have them give a little explanation as to what they can do for you. It can take a long time to go over what many lenders can offer, but it can be worth it as you compare propositions at the end of your search. You can save yourself some money and time in the long run after going through with a in-depth understanding.

Tip # 3: Explore Your Options

It is applicable to more than this situation, but you do not accept and jump on the first deal you are presented with. More chances than often you will find that Like in many businesses there are bid wars and negotiations done so shopping around for your lender will most likely work to your advantage. Before going to any lender make sure you are somewhat familiar with what an encounter might be like with a broker. For example you should go in knowing what type of loan you are interested in. That will also allow you to feel more comfortable speaking with a broker about your situation.

Conclusion

It can be challenging to find a trustworthy lender over the phone and over the web. The business usually gets passed on as a referral between family and friends. It is advised that you ask your family and friends if they know a trusted hard money lender and you can go from there. Congratulations as you should be better off finding the best hard money lender in your situation.

Yanni Raz is a hard money lenders and trust deed investments specialist as well as a blogger and contributor. The goal is to educate other real estate investors before they are getting into bad real estate deals.

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Flexible Funding: The Competitive Advantage

What do you do to fund that once in a life time order? Where do you access cash to exploit sales opportunities? What can give you an advantage over your competitors?

It isn’t always reputation, expertise or even entrepreneurial drive that determines why one business thrives whilst others struggle. Ultimately it can simply be that one business has access to cash to and one doesn’t.

When a business needs access to cash to fund growth, fulfil orders or even to pay for the increasing costs of day to day business traditional bank lending is the first port of call.

However, the flexibility or speed of decision a modern business requires cannot always be offered by a traditional lender. In the dynamic world of modern business there isn’t time to wait on the cogs of a bank’s decision making process to turn. A business with the ability to make decisions without necessary worrying about whether the cash is available to support them has a distinct competitive advantage.

There are many different financing options available to businesses over and above those traditional lending products. Identifying where most of the value of a business is tied up and then knowing how best to unlock it is key to giving this advantage.

Front end working capital solutions include:

1. Purchase Order Finance – Direct payments to suppliers against purchase orders worldwide for goods, covering up to 100% of the purchase price plus duty and logistics.

2. Letters of Credit – Payment guarantees covering up to 100% of the purchase price from suppliers, subject to satisfying delivery and other conditions.

3. Stock Loans – Release valuable working capital locked up in your warehouse up to 100% of the stock value.

4. Supply Chain Finance – Facilities to fund up to 100% of a trading company’s purchases from suppliers worldwide, structured as supplier payments or reverse factoring processed through a proprietary online platform.

Back end working capital solutions include:

1. Invoice Finance facilities – These are revolving facilities funding up to 90% of your invoice value releasing cash tied up in your sales ledger and all ongoing sales. Facilities can be on a disclosed or on a confidential basis.

2. Asset Based Lending facilities – Facilities release up to 70% of the cost value of warehoused stock on an on-going basis. These are designed to complement invoice finance facilities to maximise the amount of working capital that can be provided.

3. Asset Refinance facilities – A stand alone, one off, facility designed to provide additional working capital by releasing cash against plant and machinery. This an option for the quick release of funds which advances up to 80% of the asset’s value whether the asset is owned outright or currently under an existing finance agreement.

4. Sale and HP Back – With this product the asset is purchased by the lender at an agreed value and financed back to you over a fixed period with repayments matching the income stream generated by the asset.

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Benefits of Credit Card Machines for Business

Other than credit card machines, technology has produced many notable effects, including the credit card machine. In the 21st century, people open themselves up to technology from the very center of their being. It has the added benefit of leading to an increase in the use of credit and debit cards. Additionally, the coronavirus’ arrival has also contributed to the increased use of contactless transactions. EMV cards are replacing magistrate premium cards. EMV chip cards give you the ability to make contactless payments. The merchants must have advanced payment terminals to accept such payments.

Credit and debit cards are used almost exclusively in today’s business world. To take your business to the next level, you must associate it with a credit card machine. The processing and payment services you need for online sales include a merchant processor that provides you with an online payment gateway. There will always be online modes that people will prefer to use, regardless of the volume of transactions. As a result, you have to use an advanced piece of equipment, such as a credit card machine, in tandem with your business.

Advantages:

Just because we’re living in the 21st century, it’s impossible to conceive of life without modern technology. A large number of businessmen prefer to stick to established business models. However, sometimes you have to alter your plans according to the current situation. This means that you need to be one step ahead of everyone else in the business. You will lose customers otherwise. An establishment that gets access to a credit card machine will enjoy countless benefits. Listed the benefits; so, don’t miss the following:

Obtain Legal Recognition for Your Company:

Accepting card payments using digital payment terminals is a legitimate business practice, so it should help your company a lot. The card brand name will be printed on the POS, and thus the customers will have no problem noticing it. This logo will be featured on the same online marketplace as well. The greater the number of customers from outside the country, the more money you’ll make.

Increase Your Profitability:

To accept various forms of payment, like credit cards, Google Pay, Apple Pay, and more, use a credit card machine at your business. Creating a positive impression on your customers is quite simple, but it also keeps your customers loyal. A credit card machine, thus granting flexibility in the ecosystem of online payment, provides customers with many payment options, thus allowing them to pay bills in various ways.

How to stay ahead of the competition:

Many businessmen have not yet fully embraced digital equipment, making small-business models in the early stages of transition. To accept online payments, your business equipment must be upgraded. If customers are no longer carrying cash, you can outpace your competitors. Research has shown that when customers use their cards to make a purchase, they spend more. Additionally, because you will make a substantial profit from accepting card payments, it’s highly recommended that you do so.

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Super Visa Insurance Monthly Pay North York

Note: SV is Super Visa

What is a Canadian Super Visa?

It is a Visa for parents or grandparents. It is a temporary resident permit that allows parents and grandparents to stay for up to 2 years in Canada per visit. Issued for parents and grandparents of citizens or permanent residents in Canada. It has validity for up to 10 years. A regular multiple-entry visa is also valid for up to 10 years, but only allows stays of up to 6 months per visit.

What is the processing time of a Super Visa?

The approximate processing time of a SV is short and takes almost 8 weeks. There are also specific requirements that one must meet before applying for a SV.

What Are The Mandatory Requirements To Apply for This Visa?

The govt of Canada has laid down some mandatory rules for parents and grandparents to apply for a SV. Those rules are,
1) Proof of their relationship with the child or grandchild who must be a Canadian citizen or a permanent resident.
2) A copy of the child’s or grandchild’s birth certificate.
3) A proof of medical examination document.
4) An official document naming the applicant as the parent.
5) A satisfactory evidence of a private medical insurance from a Canadian insurance company valid for one year from the date of entry.

Can The Parents Or Grandparents Work With A Super Visa?

No, the parents or grandparents are not permitted to work as their visa has the same restrictions as a visit visa holder.

What is a SV Insurance?

With the above information provided, now we know to whom a SV is issued and who apply for a SV. Not only the parents and grandparents require a SV, but also a medical insurance before entering Canada. The medical insurance should be no less than CAD $100,000 in coverage for health care, hospitalization and repatriation. This step is mandatory for the SV applicants.

SV applicants have to submit a proof of purchasing a medical insurance from a private insurance company.

There are a lot of medical insurance companies in Canada and North York has also got the best ones. People can go for SV insurance monthly pay North York. This facility of monthly pay gives a convenience of paying insurance charges monthly. This facility of monthly pay gives a convenience of paying insurance charges monthly.

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Setrega – A Global Analytical Regulatory Platform

Setrega is the Global Regulatory Analytical Platform which provides a comprehensive solution to the financial institutions for complying with one or more Regulatory Authorities. Through highly customizable and end-to-end automation, Setrega helps clients to configure Reporting Data, Reporting API, Connecting/Integrating Settings, Report Generation Requirements, Report Validation Requirements, Report Submission Mode and Feedback Management. As a Global Regulatory Analytical Platform, Setrega is designed to integrate with any financial services firms to receive regulatory data and process them to regulatory reports in specific formats with minimum customization effort.

Currently, all financial institutions are facing problems with dynamic changes in regulatory requirements, implementation risks associated with regulatory reporting and managing regulatory report error handling. All financial institutions are forced to adapt to these challenges and continuously seek for solutions which are cost-effective and accurate, with real-time feedback management. Sensiple’s Setrega fits into this emerging environment by supporting multiple Regulatory Authorities with an end-to-end automated solution.

Regulation Complied Preconfigured – ESMA – MIFIR/MiFID II, Monetary Authority of Singapore (MAS), Superintendencia Financiera de Colombia (SFC) etc.,
Significant benefits of the Global Regulatory Analytical Platform are,

Automation Capability

Financial Institutions gets the advantage of preparing and submitting regulatory reports without manual effort.

Comply with new Regulations without risk

Setrega provides flexible data source configuration, API mapping and reporting format changes with minimum customization in product level which ensures relief from regulatory and compliance risks for the financial institutions working in various regions.

Scalability

Depending on the Institutions type like Buy Side/ Sell Side/venues, Setrega is scalable in terms of increasing number of connections, the humongous volume of data, more number of reports and formats, increased number of submission modes and regulatory authorities.

Transparency

Handling a large volume of data gives challenges in managing data to auditing; Setrega makes it more accessible by allowing the clients to have full control over data by powerful data transparency method.

Dashboard

Setrega act as a one-stop shop for all regulatory reporting for financial institutions. A vastly informative dashboard in Setrega provides all historical, current and scheduled regulatory reports and its internal & external statuses in graphical and tabular representations.

Regional Coverage

Financial firms who run their business across the globe get benefited from Setrega as one solution solves all the regulatory and compliance needs. It is successfully verified with major regulatory frameworks like MiFID II and NFA (National Futures Association) and regulatory authorities like SEC and SFC.

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Handle Your Finances With Care

It takes years to gather a handsome amount of money, and if it is not handled properly, your most prized possession would soon escape from your hands like sand. This is the reason why people go for financial planning. It gives you a great sense of satisfaction when you know that your money is in safe hands and is being handled with utmost care.

However, not many people are aware of the process involved in financial planning. Based on your financial position, it is very important to go ahead with personal planning because if you don’t start planning well in advance, then you might face several challenges in the future.

Financial advisors suggest all individuals follow these six basic key principles for financial planning.

• Analyse your current financial status: To be able to plan for future you should first be very confident about your current financial position. Make a checklist of all the assets and liabilities and your income and expenditure. Having this information at hand, you would be in a clear position to understand how you can achieve your financial goals. Your total financial worth would help you to determine the ways to accomplish your set goals, which include paying for your children’s education, buying a new property or being ready for any financial emergency like the loss of a job.

• Chalk out your financial goals: In order to accumulate wealth, a lot of planning has to be done in order to achieve the desired goals. Setting goals would give you an urge to go ahead to achieve it. Your list of financial goals should be very specific, which would show that they are crystal clear in your mind.

• Plan for alternatives: You cannot expect your planning to go as per your wish, so you should always have a plan B at hand. After listing down your goals you plan for alternatives as well.

• Analyse the alternative options: You should ponder upon the feasibility of the alternative ways taking into account your social, personal and economic condition at present. The liquidity of your assets also matters in this regard.

• Creation and execution of your financial plan of action: Once you have planned about your alternative options and have analysed its feasibility, it is time for you to put these plans into action.

• Review your plan: Since financial planning is very dynamic process it is subject to change at any moment. So, it is always advisable to keep reviewing your plans every now and then.

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The Security Intelligence in The Financial Services

Security intelligence is the data related to safeguarding an organization from any outside and inside threats along with the processes, and policies developed to accumulate and evaluate the information.

It can also be referred to as the actual collection, standardization, and analysis of the data created by users, applications, and structures that influence the IT security and risk position of a business.

On a daily basis, information flows in organizations for the senior management to make smart decisions. The various stakeholders (employees, customers, contractors) are interfaced through various technologies.

However, the technological infrastructure can also result in serious security issues. The probable areas of intrusion are unlimited. Security experts and business leaders are trying to find an answer to the question – Is it feasible to have a robust security in an increasingly interfaced environment?

Though the answer is yes, it needs a radical transformation in processes and practices encompassing the financial services sector. The focus is not only on IT. Robust security facilitates a positive customer experience.

Cybercrime and Profitability

Financial institutions are at great risk since they are perceived to be an easy target for cybercriminals. According to a survey by IBM, “Financial markets, insurance, computer and professional services together account for over 40% of all security incidents worldwide.”

The losses, pertaining to cybercrime in other sectors could be due to industrial intelligence and fraud related to intellectual property, but in banking, online fraud is a possibility.

Any fraud related to the intellectual property and industrial intelligence could lead to reduced shareholder value, shut down of the business and net financial losses. These are the issues impacting the global financial sector, not only because the main reasons are not identified or the disruption to the customer is immediate, but also because they can result in a significant loss of money.

As per Andrew Haldane, Financial Stability Director at the Bank of England, “Cyber-risk has become a more pressing concern than economic depression and the Eurozone crisis, as it is a rapidly rising area of risk with potentially systemic implications”.

Comprehending the seriousness of the security risk is only a beginning. Financial institutions must establish an in-depth security intelligence strategy that would enable the financial institutions to have an insight into the perceived threats.

Financial institutions leverage top-notch analytics to get an understanding of:

The types of attacks that are occurring.
The probable source of the attacks.
The technology used by the cyber criminals.
Weak spots that could be exploited in the future.

Michael Davison, Banking and Financial Markets, IBM, stated,” There’s not another single issue that unites the interests of so many people at senior levels of banks. It unites technology, the CFO, security and compliance functions. But cybersecurity is also mission critical for people running lines of business and who are running P&Ls. So quite rightly it sits on the Board agenda. But there’s still work to do to educate Boards about the urgency of an effective response to the rapidly changing environment.”

Financial institutions must implement the following practices to get the balance between the required innovation and the related risk:

Establish a risk-conscious culture

An organizational transformation with an emphasis on zero tolerance towards a security failure must be established.
An initiative encompassing the organizational hierarchy to execute smart analytics and automated response competencies is needed to identify and resolve issues.

Safeguard the Working Environment

The functions in distinct devices must be examined by a centralized authority and the wide array of information in an institution must be categorized, tagged with its risk profile and circulated to the concerned personnel.

Security Design

The greatest problem with the IT systems and the unnecessary costs is from executing services initially and looking at security afterwards. Security has to be a part of the application from the first phase of design.

Ensure A Safe Environment

If the system is secure, security personnel can monitor every program that’s functioning; ensure it is ongoing and operating at optimal level.

Manage the Network

Organizations that route approved data through controlled entry points will be in a better position to identify and separate the malware.

Cloud Based Security

To prosper in a cloud scenario, organizations should possess the technology to operate in a secluded environment and track probable issues.

Involve Vendors

An organization’s security strategy must also involve its vendors and efforts must be made to establish the best practices among the vendors.

Financial firms have been a major target for malware attacks. Several aspects are impacting the financial sector. The direct connection between the breach of several personally identifiable information (PII) to the profitability has not been lost on the global financial stakeholders. This has led to the implementation of several global security projects.

A hazardous type of malware for online financial transactions is “Man-in-the-Browser” intrusions. It happens when a malicious program affects an internet browser. The program adjusts activities conducted by the user and in some instances, can initiate actions independently. It could lead to online stealing.

Financial institutions that can transform radically at a fundamental level, the way they function would be safeguarded.

The aim of enterprise security could initially emphasis on IT structures, it must be extended from the technology personnel & their systems to each individual within the organization, and all the stakeholders conducting business with it.

Financial firms must comprehend the data that they have, which must be made available to the system, where they can compare and develop a real understanding of the actual threats and contingencies that may compromise the business.

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Tips On How To Spend Your Windfall Income

As individuals, especially workers we sometimes get windfall incomes in forms of bonuses, profit shares, etc. However, a lot of the time the temptation is to spend the money on acquiring a new car, new clothes, shoes, new phones, among other things. While acquiring these things in themselves is not a bad idea, it is wiser to use windfall incomes for things that will have long term positive impart on our lives especially because we do not have a full grabs of what tomorrow will bring.

For workers just starting off or in mid level careers, it is really important not to squander windfall incomes on non-essentials.

Many years ago during the mid 2000s, when the banking and telecommunication really became big industries, many banks and telecommunication companies paid bonuses and profit shares to their staff on a yearly basis. Most new staff and mid level staff squandered their money on buying cars, renting new apartments in high brow areas and changing their wardrobes almost every 3 months. Nite clubs were packed every Friday night with each person almost trying to out do the other in terms money spent.

Today, the story is different. The global economy is almost comatose. Banks are no longer giving huge bonuses, neither are telecommunication companies doing any better. The oil industry is in shambles. Every industry is operating lean.

Windfall incomes will not come all the time as the economic realities have now shown us. So if you are fortunate to get a bonus or profit share that amounts to something reasonable, here are a few tips on how to spend wisely:

1) Invest in real estate: As much as this sounds like really over flogged, it is a wise counsel. A businessman once said, “the only Estate that is Real is Real Estate”. Real estate is big business. There is a huge demand for rental apartments especially mini flats and 2 bedroom flats. There are several real estate companies offering instalments payment options for those interested in buying land. You can invest your windfall income in buying a half plot or full plot of land. I will advice you buy from a real estate company rather than directly from the community especially if you do not have funds for immediate development.

The simple reason is that the real estate company usually would have sorted out community settlement issues with the land owners and so you can be rest assured that you land is at least secure from land grabbers. Also, by buying from a real estate company, you will benefit from quick capital appreciation of your investment and rapid development of the locations since there will be several people also buying and developing their property in that location. Another advantage of investing in real estate is that after developing the property, you can put it up for rent if you do not wish to reside in that location and use the rental income to pay for your rent in your desired location.

2) Invest in a part-time business: If you already have a business that you can run part- time alongside your full-time job, you should invest your windfall income in that business. You can buy the needed equipments or register for a training programme that will increase your expertise in that business area. If you do not already have business idea, you may want to consider doing some research to see what part-time business to invest in.

3) Invest in education: You can invest your windfall income in further education that will boost your profile and give you a better chance at a higher paying role in your industry or another industry entirely. You an also invest in the education of your loved ones like your spouse, children or siblings (if you have this responsibility thrust on you)

4) Invest in Marriage: Yes! you read me right.

This is for those who believe in marriage. If you have a partner and your really desire to spend the rest of your life with the person, then invest your windfall income towards settling down. You can start making down payments for some critical items on your list. Marriage is an investment in your lifetime happiness.

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