Category: Property Investment

By J.S. Kim

Recently, there was an article on CNNMoney that spoke about the secrets of the elite rich in the United States. In turn, several articles were written about this article, including one that stated that the richest of Americans built their wealth with diversification, wealth preservation and strategic growth. That is a ridiculous statement in itself because two of those strategies, diversification and preservation dont help build wealth. Perhaps the richest of Americans use these two strategies to maintain an even keel AFTER they have accumulated great wealth, but certainly they didnt use them during the accumulation phase. According to this article, a survey of Northern Trust uncovered that the richest Americans do not heavily rely on high-risk investment vehicles like hedge funds to make money, but are moderate risk takers who put more than half of their asset allocation into U.S. stocks and cash.

Again, just as former hedge fund manager and multi-millionaire Jim Cramer said that he used certain financial journalists, including ones employed by the Wall Street Journal, as pawns to spread misinformation far and wide to benefit himself, again this is an example of investment institutions using the media as pawns to spread their myths to keep the masses of retail investors ignorant. The CNNMoney article made it appear that the richest of Americans built their wealth by being conservative and slowly growing their money over time. Thats an oxymoron right there. To state that the rich became rich by slowly growing their money over time. Well, if they are slowly growing their money and becoming even richer, then this implies that they were rich to begin with. So how did they accumulate wealth? Surely not by slowly growing their money.

Sure, some of the richest Americans do not heavily rely on high-risk investments because they ARE ALREADY EXTREMELY RICH. The majority of ultra-rich do NOT build their fortunes by speculating on high-risk investments as is commonly believed. Often they build fortunes utilizing volatile assets and investments but that does NOT mean they were engaging in risky behavior. Many times, investing in a hedge fund can be much riskier than investing in some of the assets that your investment firm will tell you is risky. But investment firms will gladly place a portion of your money in hedge funds because the fees they earn from hedge funds are so high even as they advise you not to put your money in a much less risky investment with much greater earning potential. And THIS IS THE SECRET that investment firms never tell you.Volatile assets that often can be used to build great wealth are NOT RISKY if they are purchased at entry points that are extremely favorable and provide a low-risk point of entry.

99% of investors dont understand what high-risk investments truly are because they have been misinformed by their advisors and their firms for the past half of a century. Purchasing volatile assets at low risk-high reward entry points greatly mitigates and neutralizes the great majority of risk of volatile assets. If you dont understand this concept then you need to.

Many millionaires that are wealthy but that could be extremely wealthy fail to build enormous wealth because investment and financial institutions mislead them about certain investment opportunities and describe them as complex and risky and are able to convince their clients of this belief because they never properly explain risk-reward scenarios to their clients. However, those investors that are extremely wealthy are the rare breed that understand this concept. If investors had a choice between allocating $1,000,000 in a historically volatile Investment A that has a 78% chance of returning a 250% gain versus an Investment B that has a 95% chance of earning 9%, most investors would choose Investment A.

However, because Investment A may exhibit 50% more volatility than Investment B, the great majority of advisors would steer their client away from the former investment into the latter one. In fact, this is exactly what even prestigious firms that cater to ultra high net-worth clients do because they allow misinformed, uneducated investors dictate the rules of engagement to them, and they would much rather appease such powerful, important people with slow,minimal gains rather than empower and enlighten them and boost their returns like never before. They would choose to steer them away because they present the investment opportunities incorrectly, merely telling their client that while they could earn 350% from Investment A there was also a very realistic probability that they could lose $300,000, and that shooting for the slow but steady $90,000 a year is much better for them.

If you are thinking to yourself, That makes absolutely no sense? Why would firms not earn 20% a year for their clients if they could instead of 8% a year? The answer is because the overwhelming majority of investment firms, no matter how prestigious their brand, are merely highly glorified sales machines. They fail to convince clients to invest in phenomenal investment opportunities that sometimes arise like Investment A because in order for Investment A to be a moderate risk, very high reward investment, it must be entered at a low risk entry point so that the probability of being down $300,000 at any give time would be reduced from perhaps 50% to 20%.

And that even if their timing is not optimal, then a firm must educate the client that as long as they dont panic when they are down, the odds are still extremely high that they will earn a 250% or better gain. However, the greatest factor that determines why firms will not seek this strategy is time. Engaging in much better strategies such as these for their clients would take massive amounts of time in client education and enough time in research that the amount of assets gathered would take a serious hit.

So because it is not in a firms interest to engage in activities that maximize portfolio returns (unless it is their own institutional portfolio), instead, we have Chief Investment Officers at top investment firms making statements like, “Generally they [the richest of Americans] want to see prudently managed growth without a lot of surprises, which is why we emphasize diversification.” Again, this is a sales & marketing campaign statement, not an aboveboard statement about how to make money for clients.

If clients are uncomfortable with strategies that would actually built great wealth for them instead of producing mediocre or subpar returns, their discomfort only originates from the fact that the largest investment firms have been deceiving their clients, just as Jim Cramer had deceived the thundering sheep herd for years, about the realities of building wealth.

This discomfort originates solely from the fact that he or she has been kept in the dark for so long. Thus, we have a misinformation-driven cauldron of investors making bad investment decisions that exists today. In 2007, youll still find Chief Investment Officers of very well known firms making ridiculous statement that investors need to invest at least 50% of their stock portfolio in U.S. stocks if they wish to grow their portfolios exponentially.

How are they going to grow their portfolios exponentially with more than half of their stocks in a stock market (the U.S.) that has NEVER been the best performing market in the past 25 years (even among developed stock markets)? How will they grow their portfolios exponentially by buying stocks in market that trades in what is quite possibly the worst currency on earth among developed markets (the U.S. dollar)? Yes I know that when the U.S. dollar shows a brief spike in strength as is likely to happen soon (Im writing this article in April, 2007), that many people will question what I am saying, but this is only again because they are victims to the mass deception mind-games of the investment industry. I suppose if planning to earn better than subpar returns in your stock portfolio is engaging in risky behavior as Chief Investment Officers of various firms claim, then yes, I whole-heartedly endorse engaging in risky behavior.

And because so many people, yes, even those considered quite wealthy, fall victim to the preaching of investment industry demagogues, there is a second mistake that many rich investors will soon make. Another survey of wealthy U.S. investors uncovered that a large percentage of investors with investment assets of over a million do not employ any type of investment advisor but plan to do so soon giving the increasingly gloomy nature of the U.S. stock markets. To that, this is what I have to say. Making money in difficult markets is ten times more difficult than making money in bull markets. If investors believe that it will be increasingly more difficult to make money in U.S. stock markets, but yet top investment firms in the U.S. continue to preach that more than half of your portfolio should be in U.S. stocks (mostly to cover their respective firms inadequate coverage of emerging markets), how is the hiring one of these men possibly going to improve these investors future performance outlook?

But there is an EXTREMELY important distinction to be made here. What Ive written above applies to the behavior and mindset of some of the richest people in America, but not THE very richest people in America.

The very richest people in America, those you might categorize as the worlds ultra-rich, possess a very different mindset and behavior set than those that are just rich. The ultra-rich have positioned their portfolios extremely differently from how the rich people discussed above have positioned their portfolios. The reason why articles regarding their behavior and investment decisions are virtually non-existent is because they dont grant interviews and they dont want people to know what they are doing. But Ive investigated what they are doing, and trust me, it is nothing remotely similar to the behavior of wealthy investors described by Northern Trust and other investment firms.

If you would like to find out why the ultra-rich always manage their own money or are able to find the 1 in a million consultant truly capable of providing them the returns they desire, consult our resource of 101 Reasons Why Managing Your Own Money is the Only Way to Build Wealth. Even if the ultra-wealthy have someone managing their money for them, the only way they were capable of finding this 1 in a million financial consultant was due to the fact that if they had to, they could manage their own money successfully as well. Only by first fully understanding the most successful investment strategies themselves were they able to identify an advisor capable of employing similar strategies. However, a great majority of ultra-wealthy continue to handle and make their own investment decisions. And that is precisely why they are among the elite.

About the Author: J.S. Kim is the founder and managing director of SmartKnowledgeU, LLC. Please

visit the SmartKnowledgeU website to learn the safest places to invest money and how to achieve financial freedom.

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Real estate Investment Company and Listings Company, Dubai

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lihgroupThe Middle East region has been a real estate hotspot for a decade now. A place like Dubai for example is one of the fastest developing places in the world. There is so much construction work going on in this city. It is estimated that over 70% of the world’s cranes are based in Dubai right now. They being pumped into places like Dubai and other emirates in the UAE .A huge chunk of this investment come from Asia, especially countries within the Indian Subcontinent. So it not surprising to see a real estate investment company, Dubai dealing with Dubai property (or any other Emirate property for that matter) enjoying handsome returns. A real estate investment company, Dubai usually invests in either residential properties or commercial properties. Usually a bigger real estate investment company will deal with both these kinds of properties. Some companies will just buy and sell properties whereas others might buy, develop and then sell. With the world markets just recovering from the inflation, good real estate investment Listings Company, Dubai today is in a position to provide its clients a variety of flexible business investment plans and solutions across a wide variety of sectors. Research is at the core of good real estate listings, Dubai. Such companies must keep doing their due diligence and provide up-to-date and timely information to their clients. Despite the financial situation, the Persian Gulf and other parts of the Middle East are ripe for investment and those who invest have an opportunity to enjoy big returns as well. There are a number of benefits to buying real estate in place like Dubai and other places in the gulf. Government regulation is nominal and more importantly there is no rental tax or even capital gains tax which makes owning property in these areas a very attractive proposition. In fact Dubai welcomes foreign investment from expatriates as well as the visitors. Few places in the world can match up to the impressive options that the Persian Gulf as a whole has to offer.It is critical that, when you wish to do business in a market that is beginning to stabilize and find its legs, you work with the kind of real estate investment company, Dubai which works in a very transparent manner. They should be trustworthy and focus on ensuring that they are doing everything which is right for you and not just chasing after their own commissions. It is important to choose a real estate company which has extremely good local real estate knowledge. This will help a great deal while you go about making your purchase decisions. While the inflation situation has made things a bit grim, there is no need to believe that investments can’t be made and subsequent profits can’t be had. Proper knowledge along with the right kind of dedication will ensure that your real estate investment company, Dubai will be able to provide all the solutions you require with regard to your realty needs.

LIH Group is a Leading

Real Estate Investment Company Dubai

. Offers Commercial and Residential Property Management Services on affordable costs.

Property Investment Specialists

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By Lew Nason

Would you like to know how and why the best producers are able to sell large amounts of cash value life insurance? If you knew their secrets could you sell large amounts of cash value life insurance, just like they do? Were talking about you earning $500,000 or more in first year commissions each year!

Some of you may be thinking; Yah, that would be great! But, the reason those producers are able to sell so much life insurance, is they have the technical knowledge, for a very specialized life insurance niche market. They are working with 412i plans, Estate Conservation, Premium Financing, Charitable Giving or some other specialty market.

While its true that some of the best producers do have the technical knowledge, and work in one of these very specialized advanced markets, it isnt how and why they are able to sell large amounts of cash value life insurance.

It may surprise you to know that every one of these life insurance sales leaders has the same basic problems you do! In fact, in most cases, the people who work in those very specialized, advanced markets have much worse problems, because of the small size of their market, competition, bad publicity and the large amounts of money they work with. However, they are successful because they know four simple secrets that you dont!

The simple secrets these top-producers know that you dont are; No matter what market you work in, every one faces the same four basic challenges:

1. Finding a niche market you understand and have a passion for!

2. Identifying and attracting the right prospects for your market!

3. Helping your prospects to recognize they have a problem!

4. Getting prospects to take action on the solution you offer!

The reason most agents and advisors struggle selling life insurance is they dont feel good about what they are doing. They look at themselves as just a salesperson, instead of seeing themselves as helping people to solve their financial problems.

Whether you want to join the ranks of the top-producers, or you just want to make your career a whole lot easier, more fun and much more rewarding, you must have a passion for what you do!

Finding a market you understand and have a passion for!

Enthusiasm sells! So, find something that turns you on. Your specialty doesnt have to be a technical, advanced niche market. The great thing is that you can turn almost anything into a specialty. You could specialize in working with one armed, golfers, with high blood pressure. Or, maybe you could specialize in working with people who hunt deer, drive a jeep, are married, live in a mobile home and have a child in college.

I know of a top-producing agent who works exclusively with young families who have a newborn baby. Another, who works with widowed, retired women of color! And, yet another agent who works exclusively with divorcees, with children! Each of these advisors became the specialist in that market, because they identified themselves with that market and they already knew something about that market. They invested their time to learn everything they could about the people in those markets and the problems they face. And then, they learned the best ways to use their products to help those people to solve their problems.

What do you have a passion for in your life? Has something happened in your life that has impacted, made a difference, or changed you? What problems have you, your family, parents, friends and relatives faced?

What group of people do you identify the most with, and feel good with? Do you hunt, play golf, play tennis, bowl etc.? What civic and religious groups do you belong to? What past jobs have you worked in? What did your parents do for a living?

Every top-producer (or successful business person) I know has a burning passion for what they do! For them, its NOT just about making a sale! Its about really helping people!

Identifying and attracting the right prospects for your market!

Once you have decided on your specialty, once you have found something you have a real passion for, then youll want to determine whats the most pressing problem your products and services can solve for these people.

If youre working with young families with newborns, maybe their most pressing concern is saving for college, or making sure the money is there for college, if something happens to one of the parents. With widowed, retired women of color, maybe the dominant concern is learning how to manage their money with safety and guarantees, and then making sure they pass all of their money onto their children. For divorcees with children, maybe its eliminating debt, making sure the child support doesnt stop at the death of their former spouse, or qualifying for college financial aid.

Now, youll want to determine who you have the best chance of selling within your specialty? Who is your ultimate, best prospect within that group? What are their ages, income, social status, education, occupation and marital status? Do they own a home? Do they have school age children?

Where do you find these people? Where do they live? What newspapers and section of the paper do these people read? What newsletters and magazines do these people get? What business do they use? What professionals do they use doctors, accountants, P&C agencies, attorneys, etc.

Finally, how do you attract these people to you? Whats the best way to attract the Right people to you? Do you send out sales letters to a targeted list? Offer free reports? Form a Joint Venture? Offer a dinner seminar or a free educational workshop? Send out newsletters? Run ads in the newspaper? Get articles published? Write a book? Or, how about working your existing book of business? Or, letting your family, friends, relatives and everyone know about your specialty?

What every top-producer will tell you is All of these marketing methods work once you have a specialty, you determine who your ideal prospects are, and you send a message to them that clearly states how they will benefit by meeting with you!

All the top-producers know exactly who their best prospects are, and how to attract them The Right Message, To The Right People, At The Right Time

Helping your prospects to recognize they have a problem!

We all have financial problems. It doesnt matter if you are rich or poor. The problems can be paying too much in income taxes, transferring wealth, losses in the stock market, saving for retirement, saving for college, a low income, too much debt, protecting the people they love, etc.! Unfortunately, most people do not want to think about money, let alone talk about their situation and admit they have a financial problem! In this fast paced society, most of us are so busy with our day-to-day activities and problems to worry about our money problems until the problems need immediate attention!

Consider, youve studied and developed your specialty. Youve attracted the right prospect to you. But, until your prospect recognizes, understands and makes solving their problem a priority, you have little chance of setting an appointment or making a sale!

Your job is to know the right questions to ask that will get your prospect to talk about what they really need and want. Youve got to get them thinking about how their problem is affecting their current situation? If they dont correct the problem right now, how will it affect their future and future of their family?

If you want to sell more and larger life insurance policies, you must help your prospects to recognize that they have a problem! And, more importantly you must ask the right questions to help them to make solving their problem a priority!

Getting prospects to take action on the solution you offer!

Youve found your specialty, something you have a passion for! Youre sending, The Right Message, to The Right People, at The Right Time! Youre asking the right questions! Your prospect recognizes they have a problem and they agree that solving their problem is a priority. Now, how do you get them to take action today on your offer?

If you want your prospects to take action today, then you must help them to see where they are today and where theyll be in the future with and without your solutions.

There is a cost to everything we do. Where will they find the money? What will your prospect have to sacrifice in order to implement your plan? Do the future benefits of your plan outweigh the cost of implementing the plan today? As the late, legendary Ben Feldman said, There is a cost of doing nothing and a cost of doing something. Generally, the cost of doing nothing is much more than the cost of doing something!

There you have it, Four Simple Secrets To Selling Large Amounts Of Cash Value Life Insurance! So, now what will you do from here? Is there one idea you got from this article that you can start using today? How about a second, or third idea?

If you do nothing else, find something you have a passion for! Life is too short to be struggling all of the time!

Whether you want to join the ranks of the top-producers, or you just want to make your career a whole lot easier, more fun and much more rewarding, it all starts with having a passion for what you do!

About the Author: Claim your free Report “How to Attract & Sell Your Perfect Prospects” at

FastInsuranceSales.com

Where you’ll learn how to make 6-figures a year in insurance.

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Ranjan Bhattacharya: Learning from the Property Educator

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Having the right knowledge and using a proven property investment system are essential for success. That is how full-time property investor and developer Ranjan Bhattacharya sees it. Having spent the last 17 years building his own property investment empire in the UK, he possesses the distinctive ability to understand and make profits in almost every property market cycle.

The unique perspective has enabled the founder of YourPropertyEmpire to come up with a proven property investment system that could help investors profit from property in any stage in the cycle of the property market. Investors who want to follow the trail of success he created may want to know what advice he can give to property investors who also want to make it big.1. The property market still has room for investors who are interested in taking a piece of it. As long as people need roofs over their heads, property is considered a sure bet.2. It is not hard to find properties that can produce significant cash flow. Just as long as you know where to look and how to find them, you won’t have trouble locating positive cash flow properties. First, you have to have the ability to recognise the opportunity when you see one.3. There are basically two ways you can make money in property. First is through capital gains. There are many property investors who are enjoying capital gains, some of which have been very sizeable, thereby, creating the idea that it is the foremost reason for possessing property. The second way is via cash flow from rental returns, which provide a superior degree of certainty and security compared to the speculative type of opportunity in capital gains.4. Buy properties when sellers are willing to negotiate. Buying property depends on the general market trend, current interest rates and the type of property you are looking at. But the best time to purchase property is when demand is low, property prices are either stable or falling, and when houses are taking a long time to sell.5. Buy average properties. When you buy property to be rented out, you have to make sure that they are not bottom-end or top-end properties. You can instead buy average properties in average areas which you can then rent out to average tenants at average rents. Usually, the individuals who rent these properties are solid, working folks who earn average salaries.These nuggets of advice are just a peek into what Ranjan Bhattacharya can provide property investors who want to take advantage of what he has to offer through his bestseller Build Your Property and his home study courses. Through the literature he provides, property investors will be able to learn all the information they need about investing in property and the ways to do it to make them effective property investors and developers.

Parmdeep Vadesha is a property investment expert and founder of the largest community of property entrepreneurs on the web who buy below market value properties from distressed homeowners facing repossession, divorce and bankruptcy. He writes a monthly newsletter for over 70,000 property investors worldwide – http://www.Property-System.com

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Ranjan Bhattacharya: Learning from the Property Educator}

By Frbiz Tian

Optical time division multiplexing (TDM) technology is a high-speed transmission technology (up to 100Gb / s), it uses very narrow pulses have a greater bandwidth, more efficient use of optical fiber spectrum. TDM will slip stream of light directly into the optical domain multiplexing, resulting in the synthesis of very high bit rate data stream. TDM allows multiple signals simultaneously access to the same fibers, but the realization method of TDM and WDM is entirely different.

TDM can be used to achieve a single light 40Gb / s over rate.

The light source (such as mode-locked laser) produces a series of very narrow optical pulses into N-zero data stream, N a data stream for each channel signal by XGb / s (such as STM-n) respectively, the slip signal modulation, delay one clock cycle, and then by multiplexing the data resulting from the total rate of (N X) Gb / s.

Present study shows that, TDM overall rate of up to 200Gb / s or higher. Are running at such high speed optical transmission system, the fiber dispersion is a very important issue, generally use two methods to resolve, one is to use dispersion management (through the use of dispersion compensation fiber), bringing the total of the dispersion Jie Jin to zero; Another way is to use soliton transmission. Soliton transmission technology must be carefully considered signal power and pulse shape, and compression using self-phase modulation of the dispersion effect to solve the problem. Therefore, TDM is to support long-distance, high-capacity transmission better technical solutions.

Since the 90s since the 20th century, the United States, Britain, Japan and other countries some of the research carried out on the TDM system, extensive research and have made great progress.

Used in optical transmission network TDM, must consider the synchronization problem, not only have to consider synchronization in time domain, frequency domain synchronization.

That is, for TDM networks, through various channels to reach any node to synchronize the pulse sequences needed to ensure the accurate demultiplexing, while they have the same spectral characteristics needed to ensure that when the data is handed to the network of another node, with zero offset between them. TDM networks for large-scale major difficulty has been inserted into the data path and data path of the optical-line properties match, a possible solution is to use a single distribution in the network to send laser signals.

TDM high-speed optical communication system is composed of ultra-short pulse light source, optical time division multiplexing / de-multiplexing equipment, optical clock recovery and synchronization, optical receivers, and optical fiber components.

TDM system requirements to produce high repetition rate light source, small super narrow pulse duty ratio. The more narrow width of the large ones can be reused more bandwidth, the more wide. Sources to meet these requirements mainly locked ring laser, mode-locked semiconductor lasers.

TDM time-division multiplexing optical transmission system technology easier to achieve, and optical demultiplexing up difficult to achieve. Optical demultiplexing TDM requirements are: fast and stable work without error, control, low power, polarization independent, timing jitter is small. Currently the main use of optical fiber nonlinear optical loop mirror (NOLM – based on semiconductor laser amplifier loop mirrors) and FWM (four wave mixing) two demultiplexer demultiplexing.

Extracted from the TDM clock signal system is very important. At present, the main optical clock extraction circuit resonance, injection mode-locked semiconductor laser and phase-locked loop (PLL), etc. The more mature the PLL.

In order to achieve a drop multiplexing function of optical networks, in addition to the clock extraction, but also need to frame and channel calibration. In the optical transmission network, the environmental impact, will produce jitter and drift, so these systems will require precise alignment and channel phase control.

TDM is a realization of a powerful high-capacity high-speed transmission technology, it can effective use of optical wavelength, and can run at different distances and capacity of the network. TDM can also use non-linear soliton transmission, and a host of other technologies, high-speed transmission systems to eliminate the dispersion effects. With the large-scale integration technology, such as InP and silicon planar waveguide technology and semiconductor optical amplification technology, TDM technology will make significant progress and into the practical.

About the Author: http://www.fiber-optic-multiplexer.com contains a great deal of information about

TDM_over_IP

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Fiber_Optic_Modem

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