The Smarter Customer

Single market transactions involving loan portfolios have until recently not been attempted. This need no longer be a cause of irritation, as there is a company that has now been created planning to use the evolving forms of e-commerce to produce a unified marketplace catering to this industry.

Having developed a customer base as a nationwide platform, the loans are collected into packages that are then purchased at respectable discount levels. Thanks to this approach data can be standardized over the sales themselves, while also improving the chances for smaller packages to be bought.

All online auction houses can access a wider range of customers than their traditional counterparts, and the degree of access offered to investors by this format is far from an exception. With the advent of a business model loosed from the constraints of time and location a number of other limits are removed and savings can be made.

You can’t sell without potential customers to sell to, and you have to uncover and get in touch with these in the highest numbers possible. In order to optimize the identification process, those registered with this service will be given any data access they request.

The truest route to turn a profit is through the acquisition and examining of targeted information. When considering any kind of loan package, information transparency grants a better understanding of what you’re effectively buying and in consequence reduces the risk you carry. It’s this degree of access to data that now makes it possible to manage transactions entirely by yourself rather than having to funnel parts of your profits to a broker in order to handle it. Both sides of each transaction are sure to gain from honest negotiation, with the full actionable data to sell loans entirely in the open and on the table. Smarter choices of where to invest are created by keeping the loan packages standardized rather than fragmented. Identifying the perfect deal straight away means that both buyer and seller waste less time and consequently money. A system of open bidding provides plenty of opportunity for the best deal possible, and a chance to increase your profit margin, using direct contact between buyer and seller. Online dealing can leverage the boundless possibilities of online commerce. Many companies have faltered as online commerce began to change their area of business, and they did not take advantage of it — those who did are actually prospering now.

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While on the face of it in the modern world it would seem a simple step, before this point the sale of subprime auto loan portfolios had had to take place across numerous marketplaces rather than a a single outlet. Now they can be acquired using a strategy made popular as a result of the growth of Web commerce: the online bidding approach patterned after Ebay. Using this national bidding platform, consumer and subprime loans are packaged together and offered at a discount, available to investors. Using the Web platform data on these sales can be standardized and put to use more effectively.

The paramount rule for salesmen is to make certain that potential customers hjave heard of whatever product you are marketing, and there has bever been a more efficient way to spread the word than through harnessing the power of online sales. Sizeable economies are possible through a move to modern business models in which time and place are less important, providing firms international scope for their activities. Making contact with the highest possible number of customers is crucial when selling any product. Accordingly, by signing up for our web site and listing portfolios, we’ll give you access to all the data required, at any time. Dealing in loan portfolios will become so much easier, and much more economic.

The better the information you can assemble, the more efficient you will be in selling whatever you have to promote. This area of commerce comes with more risks than others and the smartest method of avoiding these, too, is reliable information.

With the new transparency and standardization this service offers you will become enabled to handle your portfolios all on your own with no call for the aid of a broker. Direct discourse with freely given information puts you in a position in which both buyer and seller will mutually benefit.

Keeping consumer and subprime loans standardized rather than fragmented makes the selection of the ideal portfolio for investment much simpler. The economy here isn’t just financial as a quick transaction saves time for both sellers and buyers. Factor in a system involving open bidding and any and all deals become much more likely to close with, as a result of frank dialogue, a firm likelihood of benefit for all parties.

Online trading in any product, naturally including loan portfolios, is able to exploit the inexhaustible opportunities of e-commerce. Selling online portfolios expands your possibilities dramatically, it standardizes data and supplies you with an excellent package to boost profitability.

One of the major financial troubles which people are inclined to face is credit repair. With diverse businesses and companies contributing help on credit repair it is difficult to pick the most viable option. With the worldwide economic crisis, banks demand decent credit score prior to granting loans. This makes it necessary to apply fast credit repair methods. Luckily, fast credit repair is not as complicated as is represented by credit agencies. Comprehensive and specialized particulars is not needed. You can easily trail the techniques outlined and cut down your credit service expenses.

The basic question to ask yourself is Where have I gone wrong? How did I get into bad credit? Only then can you spot your answer and choose the most applicable strategy. Once you have deduced the reason of your problem, its time to bring about a transformation in your social and financial lifestyle. You can start going through your credit reports and concentrate on faulty information and notify your creditors.

Heedless use of credit cards should be totally avoided. Credit cards should only be used only in serious need. All extra credit accounts should be closed to prevent overspending. Extra accounts also tend to show up in the annual credit accounts and prompt negative scores. Outline and adjust your monthly spending budget. Keep track of your accounts and prevent the accumulation of debts. Start believing that your success lies in your own hands.

Never fall in the blunder of paying late. Timely payments guarantee that you will not face bad credit profile and that your credit score will stay positive. It will also ensure that a satisfying relationship is continued with your lenders. Make the endeavor of raising your credit score as this will bring you into a positive light with the creditors and will help you in acquiring loans in the future.

Always determine your debt ratio to your credit balance ratio. implement caution and prudence when using credit cards. Use only 40% credit on a single credit card. An overused credit card raises an anxiety in the minds of the lenders and creates a hostile environment. It also cautions the lenders towards lending loans in the future.

People often tend to overlook the most straightforward and simple strategies of fast credit repair. Credit counseling is utilized instead of evaluating their own situation and to reach at an appropriate result. This same task is performed by the credit counselors at a very costly fee. The most effortless way to correct your credit score is to surf the net for limitless tips on fast credit repair. But in the end only your own effort can pull you out from this terrible credit mess.

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Wealth Secret 1 - Decide Your Outcome Right Now.

Unless you are incredibly lucky you will not be successful straight away. In fact you will inevitably face many challenges which will test your character. One way of overcoming these challenges is to know what you are striving for. If you don’t have a clear outcome then you may give up at the first setback.

If instead you imagine yourself with $1 million in the bank, a Ferrari on your driveway etc. etc. then these crystal clear images will help you overcome adversity and spur you on.

Wealth Secret 2 - Commit To Growing (Your Brain).

Spend some money on some products that will help you learn new things. There are some amazing books out there that will inspire and motivate you in your quest for personal wealth. You need to look upon this as an investment not as money going out the door.

You cannot just keep doing things the way you always have been because nothing will change that way. Learn from people who have been more successful than you. Take inspiration from them. Most of the successful people in the world today devour new products, ideas and teaching even though they are already successful.

Wealth Secret 3 - The Most Successful People Have Often Been The Biggest Losers.

It is said that the inventor of the light bulb, Thomas Edison, tried 10,000 attempts until he struck success. That meant he failed 9,999 times! Most people try something once before giving up, can you imagine most people even trying 50 times, I can’t.

Wealth Secret 4 - Failure Doesn’t have To Exist.

If something doesn’t work out the way you wanted then you have found one way which you can discard, you are closer to success. Now take that knowledge and try again but in a different way - and keep trying and trying until it does.

Wealth Secret 5 - Provide Some Value (Do Something!).

It’s easy for many people to try take shortcuts to success by doing little or even trying ’scams’. You can’t expect people to pay you vast sums for not doing anything or not offering some value or improvement to their lives. If you can save people time they will gladly pay you vast sums. If you can write a great book people will pay you vast sums. If you can save people money they will pay you vast sums. If you don’t provide anything of value - then you won’t get anywhere.

Find even more wealth secrets on Mark Eastwood’s website ChooseWealth.com

Mark Eastwood is the publisher of http://www.Choosewealth.com the site that provides you with the techniques and strategies used by millionaires together with loads of business ideas to help you get started.

Before any success - in nearly any area of expertise - you need some preparations. This could be a theoretical background or years of experience.
Let’s say that you have been there. The preliminaries are over. Then the question is; what are the pillars of successful portfolio management.

There are those investment gurus, like Peter Lynch, Warren Buffet or George Soros (All present at the first page of http://www.investopedia.com/university/greatest/) to whom we might want to take example by; Peter, Warren or George.

Their rules have been successful so why shouldn’t we copy them.

So the first pillar is about these rules. Investment is a game you can learn and there are many examples to follow. Just open your search engine and type: Peter Lynch Rules. I searched for Warren Buffet Rules and found: Rules # 1: never loose money, Rule # 2: Never forget rules # 1.

Anyhow, the investment game is not new, information is nearly free and you should be able to retrieve a set of rules used by the masters.

This brings us to the second pillar. Credibility. Credibility is one of the most important topics in both economics as in investment. The investment market acts by the existence of expectations, and these expectations bear certain credibility. Companies that report earnings that continue to fail expectations will under-perform for a long period, even when the next first reported earnings will meet the expectations again.

The link with rules is perhaps a bit different that you might have thought at first. The rules you apply needs to be credible. And this can only be the case when they are yours.
You are not Peter, nor Warren or George. After a while you will know what rules work for you and which do not.

And then, pillar number three. Once you have found your rules, you need the discipline to follow them. This is perhaps the most difficult one. Do what you have said to do.

Think about the following anecdote. Someone in a little village always bought a lottery ticket on Friday. Always buying the same number. Always on Friday. One day, this person, after years of gambling and never any reasonable prize… That Friday this person, thought, “I’m off. I quit.”

And you probably already know what happened later that day…

© 2006 Hans Bool

Hans Bool is the founder of Astor White a traditional management consulting company that offers online management advice. Astor Online solves issues in hours what normally would take days.
You can apply for a free demo account

As I have said many times in this series, active management would be palatable and worth the outsized fees charged by mutual fund companies if they consistently delivered superior performance compared to a pre-defined benchmark, but they do not. Less than forty percent of actively managed funds beat their benchmarks in any one year. Over several years, that percentage becomes infinitesimal. The point of this article is to outline the vehicles that enable you to get these results. While I admit that I am biased, I will attempt to be balanced in the discussion by explaining the drawbacks.

Separately Managed Accounts (SMA’s)

At First Sustainable, this is the vehicle we recommend for investors with $50,000 or more to invest. An SMA is an account that is set up by your investment advisor, which allows you to hold your own portfolio of well diversified instruments. The advisory makes its money by either charging a fee as a percentage of assets under management, a flat fee per year, or an hourly fee for the advisor’s time. Trading commissions are either nominal or free. Your adviser should take into account your needs and then arrive at a portfolio that is, for lack of a better term, the “YOU” Index.

Benefits. I love this vehicle, and here is why:

1) Your portfolio is completely tailored to your needs. You do not need to study every prospectus that comes to your door to see if a fund’s strategy has changed without your knowledge. Periodic rebalancing is all that is required when your financial situation changes.

2) You and your adviser can be patient. Because the adviser is getting paid from assets under management, there is no incentive to churn your account, which as I’ve demonstrated, destroys portfolios.

3) At least with First Sustainable, you can buy fractional shares of individual equities, enabling your portfolio to be spread among dozens, if not hundreds, of instruments. This factor accounts for why this vehicle is only now catching on. Until technology enabled this feature, an SMA only made sense for the very wealthy.

4) The above factor means that you can still invest periodically without messing up your asset allocation. Before, indexing in an SMA was only good for investing a lump sum. Now, you can set up a disciplined savings program.

5) Because your turnover should be lessened, your annual tax bill should be decreased.

Drawbacks. Your adviser will likely not have a published track record. Even if one was available, it would not necessarily be an adequate measure of your adviser’s competence. This account should be tailored to your specific needs, and thus, not comparable to anybody else’s portfolio, thereby making a comparison useless. At First Sustainable, we overcome this aspect by making available indexes that we subscribe to. These indexes do have track records and professional oversight.

What to Watch Out For. Do not let your adviser place you in this account if he is going to, in turn, recommend vehicles that also have high expenses. For instance, paying the SMA fee for the privilege of getting placed in other actively managed funds is not a good deal, as you are paying twice. Advisory firms get paid twice this way, and it should be outlawed. Yet, this is a common practice among our less dutiful competitors. The ONLY time this would be an acceptable practice is if your portfolio is small enough that the adviser recommends VERY LOW COST index funds or ETF’s. Even then, you should insist on a reduced SMA fee.

Index Funds

As investors have awakened to all the drawbacks of active management, these funds have exploded in popularity. They are essentially mutual funds that attempt to mirror the performance of an index. The most common indexes are the S&P 500, Russell 3000, Dow Jones Industrials, and a Total Market Index comprising all of these indexes. However, there are dozens of indexes for which funds are created. It is important that you and your adviser are capable of assessing the suitability of this index for your situation.

Benefits.

1) These funds have the lowest expense ratios around. The largest funds have expense ratios in the .05 percent range (that is .0005). A typical actively managed fund charges 3500 percent more.

2) They offer instant diversification.
They require less research up front and less ongoing research.

3) They are ideal for investors who are just starting out with a small, disciplined savings plan.
Because indexes do not have high turnover, they are usually more tax efficient than actively managed funds.

Drawbacks. Not all index funds are created equally. First, some funds still claim to be low cost, but still charge well more than the stingiest funds. Many S&P 500 funds still get away with charging .5 percent, or ten times what the largest funds charge. Second, most indexes are created on a market capitalization basis. This means that their weighting is based on the company’s total market value. This could lead to an overweighting of the high PE stocks that are most likely to retreat in a correction.

Exchange Traded Funds (ETF)

An ETF is a closed-end fund that is comprised of an index and trades like a stock on an exchange. Like their open-ended counterparts, there are dozens of alternative indexes than the most popular Spiders (S&P 500), Diamonds (Dow Jones Industrials), and QQQ (Nasdaq 100).

Benefits. Because they trade on an exchange, they are continuously priced. Most open ended funds are priced once a day. This allows an investor to take advantage of short term moves. Some (including me) would say this is a drawback.

Drawbacks. Closed end funds still carry an expense ratio. Theoretically, this should be less since the management company does not have to deal with inflows and outflows. The largest ETF’s are less expensive for the most part. The less famous ETF’s still carry a high expense ratio, which is not as well disclosed.

Mark Brandon is the managing partner of First Sustainable (http://www.firstsustainable.com), a registered investment advisory catering to socially responsible investors. First Sustainable does not accept payment from sponsors of financial products.

A savings bond is a treasury security for investors. In essence, investors are loaning the government money. They are issued both as paper bonds and electronic savings bonds. They cannot be traded but can be redeemed after only one year. There are no dividends, per se, with a savings bond, as the interest payments are simply added on to the value of the bond, but as tax-deferred items, the interest doesn’t have to be reported to the government until the bonds are cashed.

The value of a savings bond varies with the kind of bond purchased - series A, B, C, D, E, EE, F, G, H, HH, I, J and K. It also depends on when it is cashed and what kind of interest it has been assigned. Since 1935, the treasury has issued savings bonds in alphabetical progression. For example, series A bonds were offered the first year, Series B bonds followed in 1936, Series C ran from 1937-1938, and Series D were issued from 1939-1941. Series E bonds, longest running of the treasury savings bonds, ran from May 1941 until they were discontinued in 1980.

Series EE bonds were brought out in 1980 to replace the series E. They can be purchased at half or full face value. They come in amounts between $50-$10,000, and carry a maturity date of between eight to thirty years. Those cashed in before the fifth year are penalized three months’ worth of interest.
If EE bonds are purchased through a bank or other financial institution, it is also known as a Patriot Bond. There were more kinds of savings bonds, including the series F and G (which were offered to all investors except banks), series H, HH, Series I, J and K.

How do we calculate the value?

The value of a savings bond can be calculated by taking note of the face value of the bond, the interest rate from the time the bond was issued until the present time, and whether there are any penalties that have to be deducted. In addition, it is important to note that a bond that is issued at half the face value will be worth the face value at maturity, while a bond that is issued at face value is worth twice this amount at the time of maturity. Savings Bonds can also increase in value if they are redeemed past their maturity date, in which case the interest must be calculated on a year-to-year basis.