By Quintin Whitfield
Forex can be amazingly profitable in the short term and if profits are reinvested over The long term as well.
Shares can be a great long term investment there is the case of the Long Beach, California, couple, who received $1,000 each as a gift at their wedding in 1896. Some of it was invested in 10 shares of William Seward Burroughs’ American Arithmometer Company, starting point of the Burroughs Corporation, now one of the leading manufacturers of business machines. Over the years, the couple diversified their holdings, but the essential element of their portfolio was Burroughs. At the death of the wife, the surviving partner, in 1958, the estate was valued at between $1 and $1.5 million.
Likewise, $10,000 invested in General Motors fifty years ago would now be worth about $6 million.
There is the doctor who never looked at the stock tables from one end of the year to the other, but who faithfully invested $1,000 in duPont every December 1. He bought high, he bought low, always following the dictates of the calendar alone. A more haphazard system of investment except for its regularity-would be hard to find. But because the stock was duPont, he made a fortune.
Something like this seems to be in the minds of many investors today. The New York Stock Exchange’s periodic tabulations of the “Favorite Fifty” stocks of Monthly Investment Plan buyers must delight the hearts of even the most conservative investment advisors. All by themselves, people are choosing the finest grade of security to rest their future hopes on. No wildcatting here.
A glance at current trading values does not seem to bear this out. Action is at a high peak. Three-million-share days are not at all unusual. It would seem that short-term trading is the rule. Part of this, however, is due to the fact that there is a vastly increased number of shares outstanding, and part due to the fact that most trading is being done with about 12 per cent of the lot. Some 88 per cent, in effect, have been withdrawn from circulation and sit in someone’s safe-deposit box, as an anchor to windward.
Backstopping this trend are the institutional investors-the insurance companies, mutual funds, personal trust and pension funds, mutual savings banks, college endowments, and non-profit foundations, all the great agglomerations of money which control about 16 per cent of all listed common-stock values. Such funds are never static. They switch their portfolios constantly. But since, as professionals, their scale of values is much like that of other professionals, they have all invested heavily in Blue Chips and do not trade capriciously in the hopes of finding something better. They are not rocking the boat, either.
What would happen if today’s sunny optimism were blighted by black fears is hard to say. The vision of several dozen institutions dumping stock in a panic-and of any significant number of the individual investors following suit-is quite dismaying. The market’s plunge on the news of President Eisenhower’s heart attack was one indication of what can happen. Other events obviously could trigger off a similar response, or a worse one.
On the other hand, the market has also shown tremendous resilience. It has come back strongly after each upset. As long as investors retain a fundamental faith in America’s economic prospects, disaster can very likely be averted.
This article is a guide to common-stock investment for newcomers to the market. It will go fairly deeply into theory and practice, and into the technical workings of the market, primarily because a grounding in fundamentals is essential to any degree of success. It cannot be stressed strongly enough that the operation of the capitalistic system, as reflected in the stock market, is a subtle and sophisticated thing.
Economists are still puzzled by the invisible forces to which it is subject.. For investors the problem is compounded by the necessity, not to explain the past or evaluate the present, but to probe the future in an effort to determine the possibility of profit. The interaction of the system and the human beings seeking to understand its pattern and dimension takes place in a market which acts and reacts with bewildering swiftness and paralyzing confusion. Only the investor who learns to take his bearings, and to reduce the array of alternatives confronting him by knowing beforehand what he is trying to achieve, will come out ahead.
For it is historically true that new investors appear after a trend has been established. Yet 48 per cent of our 12,500,000 investors have entered the market only since 1952. The vast majority have never known anything but a bull market and the happy accumulation of profit. The savage, dollar-destroying reversal, the bitter despair of a prolonged slump, the cruel retribution of overstaying a market-all these, for these people, are no more than theoretical.
Yet they are normal occurrences of the stock market, and will be again. When the break comes, it will be the inexperienced investor who will react too slowly, react in confusion, and thereby lose-and suffer-most.
This is not Old Testament prophecy. It is simply an emphatic statement of the necessity of learning the ground rules. For these apply every minute of every trading day, whether the market is behaving well or poorly.
This is a fascinating and fabulous period in which to be entering the market and acquiring your share of American business. The projections of America’s growth in the years ahead are staggering. Our needs and requirements will, in all probability, be enormously in excess of anything we have been used to in the past. If business and industry respond appropriately, the holder of soundly selected common stocks should do extremely well.
When we think of Forex, the main advantage is that considerable sums can be made in a much shorter period of time and reinvested to make more money. We do not need to have money invested over a long period as we do for best results with the stock market.
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Turning Your Dreams Into Reality With Secured Loans In The UK
By Keri Carrillo
Secured Loans UK facilitate borrowers to avail of capital against the value of the asset placed as security with the creditor. The creditor now has the ownership rights to the asset, which acts as guarantee against the loan. Although the asset is normally in the form of a home, security can also be offered by placing any concrete property, a vehicle or a valuable asset as collateral. This is why; secured loans UK are often referred to as “UK Homeowner Loans”, “Secured Personal Loans UK” or “Second Charge Loans UK”. For secured loans UK, depending on the value of collateral, lenders are willing to offer large sums ranging from 5,000 to 75,000 or more and the repayment period extends from 5 to 25 years.
In the UK, Secured Loans have a very diverse and competitive market. Although they were primarily taken in a financial crisis, nowadays, they are used for almost anything: for taking that long awaited vacation, home improvement, education, to pay off pending bills, debt consolidation, to buy the car you’ve always wanted and to fulfil unlimited dreams and aspirations.
The interest charged on loans is known as APR (Annual Percentage Rate). For secured loans, it varies, depending on personal details of the borrower (like credit history), the loan amount, the loan term, etc. In the UK, interest rates are the lowest on secured personal loans. Typical APR ranges from 6% to 25%. Sufficient collateral with good financial conditions will get you the best interest rates and a more relaxing repayment option. Home and real estate property commands the lowest APR. Automobiles and title to motor vehicles too command a good interest rate, but higher than that in homes.
Lenders prefer secured loans uk because they come with a lower degree of risk. . Lenders are in no way interested in repossessing people’s homes or any other asset kept as collateral. Since, repossession, maintenance and liquidation puts a huge cost on the lender, he prefers repayment by the borrower. Only in extreme cases, when the loan appears to become a bad debt, lenders undertake repossession of collateral. Since the fate of an asset of theirs is on stake, not many borrowers in the UK would take the step to be irregular in repayments. Consequently, the risk involved in secured loans UK, is lower. Apart from the convenience in securing UK secured loans, cost is the most influential factor in the decision regarding UK secured loans. Secured loans are low priced, thanks to the low rate of interest.
As secured loans are backed by collateral, most lenders approve loans even in cases of C.C.J’s, defaults, county court judgements and arrears. This makes secured loans very attractive to people all over UK, who would otherwise not qualify for a loan from their local bank. If a borrower has exceptional credit history and good financial standing he can expect amounts ranging up to 125% of his property value. All this depends on how comfortable a lender feels with the borrower’s collateral and credit history.
Repayment options offered all over UK are very flexible although the options presented are no more different from Unsecured Loans UK. Borrowers find the process of getting a secured loan very dissuading. The solution to these impending problems is to look for a lender who offers online applications or completes the process with minimum documentation and a minimum encroachment on time and privacy. Once a secured loan application has been processed and accepted, a no obligation offer is made. It usually takes around 14 days for a UK secured loan to be completed and you can cancel any time within this period, with no penalties.
Every year there are borrowings worth billions of pounds by the UK nationals for Secured Loans UK. These are becoming more of a necessity to live and also to meet the high standard of living in the UK. Taking a loan is no longer a bad option; in fact, it is a more practical outlet. Shopping around and playing an active role in choosing the loan and its repayment options, gets you the best deals. An all purpose loans for any person has not found a better name than Secured Loans UK.
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Don’t Cancel Your Endowment Policy Without Being Carefully Informed
By Quintin Whitfield
Back in the 1980s word went around that there was a wonderful new way to pay your mortgage. In those days the process of getting and running a mortgage was almost sacrosanct, and little variation was available. A fairly common route to take was to open an account at the Building Society of your choice, and to put in as much money as you could, the intention being to prove to said Building Society that you were prudent and could be trusted with their money.
When the time for a mortgage arrived, it was best suit on for an appointment with the branch manager to convince him of your dependability, and if you were successful you were given a (typically) 25 year repayment mortgage. Inflation was your friend because you usually started off committed to a monthly repayment which made yours eyes water, but as time went by the real value of this dwindled in significance.
When you had completed your 300 monthly repayments the property was yours. It was all very straightforward until the endowment mortgage arrived. With this you paid only the interest due, with a promise of lower monthly commitment. At the end of the term a sum would be handed to you which would be sufficient to pay off the capital sum of the mortgage and leave you with enough to enjoy a brief excursion into the wild life of regular meals and even exotic holidays, which in extreme cases may even have been outside the UK!
That was the dream which was eagerly taken up by many hardworking mortgage owners and unfortunately, also by some over eager salesmen. The sum necessary to pay off your mortgage was not guaranteed, and in the majority of cases it didn’t. Therein lies the formation of the mis-selling scandal; many building societies took great care to explain to their mortgage customers the modus operandi of the endowment system and the many pitfalls which could trap the unwary. Tragically many individual salesmen and some building societies omitted to adequately cover some of the less palatable facts.
This created great distress in some cases; figures produced for 2004 show that almost 7 million endowment mortgages were unlikely to provide sufficient funds to pay off the mortgage debts, leaving less than 2 million which should achieve their objective. Thus the flood tide of the 1980s which saw home owners clamouring for endowment mortgages suddenly became an ebb tide, with endowment holders looking for a way of getting back to the old system, or to one of the newer but more reliable alternatives. Great caution is necessary in this situation.
First of all you need to look carefully at your endowment mortgage to determine its value. If you are still in the early years of its operation, you will find that despite your monthly payments you have a document with very little value. This is because you have been paying the premium for the endowment agreement itself, the interest due on your mortgage loan and life insurance to cover repayment of the loan if you should die before completion.
A very important factor in an endowment is the terminal bonus. You will have received the benefit of annual bonuses along the way, but the terminal bonus is normally the very high value one; it could well provide more than half the final value of the payment which you will receive, but will be lost if you cancel. To make matters more difficult, the value of the terminal bonus is not guaranteed and will not be known until the endowment is fully paid up. It may be that you are in the situation where you will lose money whichever route you take.
If you do decide to proceed with the sale of the endowment, either because you need the money or because you are in the fortunate position where sale would be advantageous, you need to shop around. Certainly you should obtain a sale figure from the company who provided the endowment in the first place, but you are also free to go into the market place for these mortgages and see what offers you can get. It is very likely that the price which you will be offered in this way will be better than that which the original issuer is prepared to allow you.
You will find that different companies have different criteria relating to which endowments they would be interested in buying. For instance, some will not be interested if the sale value is below a certain figure, or may require the endowment to have been operational for a specific minimum period. Realistically you should seek professional help in reaching a decision; a company which has contacts within the Association of Policy Market Makers (which represents companies who deal in endowment trading) will be better placed to find you the best deal. There will be a charge for their expertise, but you should benefit from a better price and save yourself a lot of time, work and worry.
Remember that if you sell your endowment mortgage, you will fairly certainly also be cancelling your accompanying life cover and should ensure that you obtain a replacement policy, preferably before the cancellation takes effect. There is little harm in duplicating your cover for a short time, but there could be very unfortunate results from even the shortest period without cover.
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Shopping for a house is probably the most significant financial decision that you will make in your life. When you shop for your home by first attaining a home mortgage quote, your decision becomes even more momentous-you need to perform a balancing act between the house of your dreams and factors such as the down payment and interest rate payable. 
