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My, how things have changed – quick! If you’re still investing, I’d love to hear how you are adjusting and what you see for the future. I’ll start with some of the Covid changes we’ve already made.

NOTE: Much of what I share is what we are already experiencing and changing in our own business. Much is based on our experience with real estate investments from 2008 to 2010.

1. Do not stop. Historically, real estate always works, you just have to adapt to changes in the market. Therefore:
   • stay flexible
   • Find out about and secure financing
   • Stay involved in online networking groups – both local and national – to keep up with changes that you need to know about right away
2. We have strengthened our marketing. Why?
   • People will need money, which means they will be selling the property of their personal or family members. We want to be available when needed and offer our help.
   • There are already fewer investors buying for fear of the future and lack of funding, so there hasn’t been a better time to be in the market in years!
3. Inform yourself. What we’ve seen lately is exactly what we saw in 2006-2007; Everyone started investing in real estate because it was so easy. As business now gets tougher, those who are prepared, informed, and trained have incredible opportunities.
4. Buy for less. We all know there is uncertainty in the future. Inexpensive ones can fall sharply in the coming months / years. The sellers also know this, which is why many want to sell sooner rather than later. They also realize that you are taking their risk in buying, so if you offer less than they hope you will understand, they understand. And it’s true, you take risks. When making a quote, make sure it’s a price you can live with if it goes down in value over the next 3-6 months.
5. Real estate is still selling wellSo buy properties that you can turn around quickly – this is no time to buy large rehab facilities!
6. Buy and sell virtually. Now is the perfect time to learn how to move your business to virtual ones. We are currently doing due diligence online, asking for permission to walk around the property and taking photos, then ask the seller to either send us interior photos themselves or leave the property while we enter and take photos. Sellers value our concern for their wellbeing. We request that they allow a tour of the property prior to closing to ensure their own photos do not leave out anything we should be aware of.
7. Prepare for longer market days when selling. Watch your local real estate market days to get an idea of ​​what to expect. As lenders begin to dry up and / or increase their loan needs, there will be fewer qualified buyers and both sales and closings will take longer.
8. Expect lenders to tighten loan requirements.
   • We have seen private lenders stop lending for fear of future risks and the need to secure their funds for themselves.
   • Many hard cash lenders stopped lending altogether because they pooled and sold loans. These loans are no longer being bought, so these lenders are no longer making loans.
   • Banks have stopped offering jumbo loans, which means they are already concerned and are reacting.
   • Pretty much everyone who is still lending has started out with the borrower having more funds to hand, higher creditworthiness, and being a stronger applicant. They also increase the points and the interest rates.
9. High-priced properties will be the first to slow downSo focus on the properties that are below the median price of your area (and you know what that price is!).
10. Expect this “event” to continue for a while – possibly years. In 2008, the general response was that the worst was over and things were starting to get better. “Things” just got worse and worse.

Remember, we are very early on in the “new reality” and what is to come is difficult to predict. Stay vigilant, stay flexible, stay informed, stay in touch with other investors. There is always money to be made with real estate.

Do you agree / disagree with what I shared?

What changes have you made or are you planning for the future?

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Source by Karen Rittenhouse

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Investing and getting nice returns couldn’t be easier thanks to the Apiary Investment Fund. This proprietary trading fund is a well-designed financial investment program whose sole aim is to provide its investors with both financial knowledge and monetary gains.

Why invest in the Apiary Investment Fund?

After widespread financial fraud and fraudulent pyramid schemes that have cheated unsuspecting customers of their hard-earned savings, it is easy to understand why someone is being cautious about the Apiary Investment Fund. “Prove to me this mutual fund is not just another online scam,” many people would ask. Well the answer to that question is pretty straightforward and straightforward, as described here!

In addition to a way for you to earn income from trading, the Apiary Investment Fund is also a financial education program. It is an integrated financial business module that provides extensive training through the Apiary Trade Development Program. This is a very comprehensive course that is designed to last for twelve weeks. However, there is the flexibility to walk the course at a pace that you find comfortable.

Is the bee trade development program that important?

Well, you shouldn’t miss out on the fact that the financial markets are quite volatile and the competition out there is just breakneck. Investing and making good profits is an art in itself as it takes hours of practice and mastering the art of taking well-calculated risks. Anyway, going through the Apiary Trade Development Program is a tried and tested way to become a successful money manager not only with the Apiary Fund but in any forex market worldwide.

Are there any costs involved?

Think about it, have you ever heard of an investment program that takes you through a money management course that doesn’t require you to put a single cent into your trading fund? To complete the Apiary Trade Development Development Training and Internship program, you need to part with $ 997. This includes all audio and visual course content as well as trading software for hands-on teaching. The $ 97 is for a technology / desk fee that covers all real-time data, software licenses, as well as website access and live streaming discussions.

You can still access the educational resources of this program even if you don’t intend to become a money manager for the Apiary Fund, which costs $ 97 a month. If you are interested in joining the fund later on, you will need to take the three mandatory certificate classes for $ 300 each as this is the only way to qualify for a funded account.

After successfully completing the course, the Apiary Investment Fund’s risk managers will be at your disposal to analyze and confirm your virtual trading statistics. Remember that the Apiary Investment Fund is not a security and therefore you cannot invest your own money or make a risk deposit. If you trade profitably, you will receive a profit split of 60%, which you can withdraw from your deposited account on the 20th of each month.

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Source by Amaechi Ekufu

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Wealth management planning refers to retirement and retirement planning as an integral part of your wealth. Working for a lifetime means you deserve a happy retirement life with no financial worries.

There are some concerns that may be faced and they are:

· How much money is required for retirement

· In the event of the death of the partner, what to do for current income

· What about the cost of care for you and your partner

· How will currency fluctuations and inflation affect fixed income securities

These are some of the questions that arise, and if you can’t answer them, you can turn to wealth management and retirement experts to help you develop retirement and retirement options and invest in:

· Pension plans such as Sipps

· Savings plans

· Income deduction

· Pensions

To help a person plan a happy retirement, one must reach out to independent financial advisers to discuss wealth management options and help find the best retirement solution.

If you don’t make money, it’s a loss. In fact, people who are about to retire or who are retired can use the planning services. The appraiser process begins with:

· Prepare a financial profile analysis that includes an analysis based on needs and an assumed life expectancy taking into account the medical emergency and inflation for maintaining a pension corpus.

· The experts recommend closing the gap between the actual and desired body size.

· Finally, an appropriate allocation strategy is proposed to ensure long-term capital growth and regular income.

Plan your retirement

Retirement planning includes protecting your wealth, passing it on to your generations, and enjoying retirement. There is a wide variety of retirement and long-term wealth planning ideas to choose from, and you can turn to a retirement expert to help you make the right choice.

With the help of financial advisors, it is possible to enjoy retirement provision with the knowledge that your family will have absolute security. They work with you and meet your needs. This is done through:

· Control over retirement savings

· Set clear goals for retirement

· Tailoring an investment strategy tailored to your needs

· Maximize the use of generous tax credits

· Adapt to changing circumstances

· Maximize after-tax income

Remember, investments should be made to act as retirement savings in retirement planning. Choose your investments so that they make up for retirement money. It offers flexibility and tax advantages in relation to your retirement benefits.

Take advantage of the SSAS programs, which are a pooled investment with a range of assets. Also keep in mind the changing tax regulations. You can exchange your pension fund to ensure a steady income. This calculation has to start early and is necessary to secure your retirement period safely.

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Source by Karen K Williams

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Bitcoin’s value has soared this year, even over an ounce of gold. There are also new cryptocurrencies in the market, which is even more surprising and brings the value of crypto coins to more than a hundred billion. On the other hand, the longer-term outlook for cryptocurrency is a bit blurry. There are disputes over a lack of progress among core developers that make it less attractive as a long-term investment and as a payment system.

Bitcoin

Bitcoin is still the most popular cryptocurrency that started it all. It is currently the largest market cap at around $ 41 billion and has been around for 8 years. Bitcoin is widespread around the world and so far there is no easy way to exploit weaknesses in the method that makes it work. Both as a payment system and as a stored value, Bitcoin enables users to easily receive and send Bitcoins. The concept of the blockchain is the basis on which Bitcoin is based. It is necessary to understand the blockchain concept to get a feel for what cryptocurrencies are all about.

In simple terms, blockchain is a database distribution that stores every network transaction as a block of data called a “block”. Every user has blockchain copies. So when Alice sends 1 Bitcoin to Mark, every person on the network knows.

Litecoin

Litecoin is an alternative to Bitcoin and seeks to solve many of the problems that keep Bitcoin in check. It’s not quite as resilient as Ethereum as its value comes mainly from its solid users acceptance. It’s worth noting that Charlie Lee, ex-Googler, runs Litecoin. He also practices transparency in what he does with Litecoin and is quite active on Twitter.

Litecoin was Bitcoin’s second fiddle for a long time, but things started to change in early 2017. Initially, Litecoin was acquired by Coinbase along with Ethereum and Bitcoin. Next, Litecoin fixed the Bitcoin problem by adopting technology from Segregated Witness. This gave him the opportunity to cut transaction fees and do more. The deciding factor, however, was when Charlie Lee decided to focus solely on Litecoin and even left Coinbase, where he was the Engineering Director, only for Litecoin. Because of this, the price of Litecoin has increased in the last few months, with the biggest factor being the fact that it could be a real alternative to Bitcoin.

ether

Vitalik Buterin, superstar programmer, came up with Ethereum, which can do everything Bitcoin can. However, its primary purpose is to be a platform for building decentralized applications. The differences between the two lie in the blockchains. Basically, Bitcoin’s blockchain records a type of contract that indicates whether funds have been moved from one digital address to another address. However, there is a significant expansion with Ethereum as it has a more advanced language script and a more complex, broader scope of application.

Projects began to sprout on Ethereum as developers began to notice its better features. Some even raised millions of dollars through token crowd sales and this is a continuing trend to this day. The fact that wonderful things can be built on the Ethereum platform makes it almost like the internet itself. This led to an skyrocketing price. So if you were to buy a hundred dollars worth of Ethereum earlier this year, it wouldn’t be valued at nearly $ 3,000.

currency

Monero aims to solve the problem of anonymous transactions. Even if this currency was perceived as a money laundering method, Monero wants to change that. Basically, the difference between Monero and Bitcoin is that Bitcoin offers a transparent blockchain where every transaction is public and recorded. With Bitcoin, everyone can see how and where the money has been moved. However, there is a somewhat imperfect anonymity with Bitcoin. In contrast, Monero has an opaque rather than a transparent transaction method. Nobody believes in this method, but since some people love privacy for some reason, Monero is here to stay.

Zcash

Similar to Monero, Zcash also aims to solve Bitcoin’s problems. The difference is that Monero is not completely transparent, it is only partially public in the blockchain style. Zcash also wants to solve the problem of anonymous transactions. After all, not everyone loves showing off how much money they actually spent on Star Wars memorabilia. The bottom line, therefore, is that this type of cryptocoin really has an audience and demand, although it’s hard to point out which privacy-focused cryptocurrency will ultimately be at the top of the pile.

Bancor

Bancor, also known as “Smart Token”, is the standard of the new generation of cryptocurrencies that can hold more than one token in reserve. Basically, Bancor is trying to make the trading, management and creation of tokens easier by increasing their liquidity and allowing them to have an automated market price. At the moment, Bancor has a product in the front end that includes a wallet and the creation of a smart token. There are also features in the community such as statistics, profiles, and discussions. In short, Bancor’s protocol enables the discovery of a built-in price as well as a liquidity mechanism for intelligent contractual tokens through an innovative reserve mechanism. Smart Contract allows you to instantly liquidate or buy any of the tokens within Bancor’s reserve. With Bancor you can easily create new cryptocoins. Who wouldn’t want that now?

EOS

Another competitor to Ethereum, EOS promises to solve Ethereum’s scaling problem by providing a set of tools that are more robust for running and building apps on the platform.

Tezos

As an alternative to Ethereum, Tezos can be easily upgraded by mutual agreement. This new blockchain is decentralized in the sense that it manages itself through the establishment of a digital real commonwealth. It facilitates the mathematical technique known as formal verification and has security-enhancing features of the most financially weighted, sensitive smart contract. Definitely a great investment in the months to come.

judgment

It’s incredibly difficult to predict which Bitcoin will be the next superstar on the list. However, user adoption has always been an important success factor when it comes to cryptocurrencies. Both Ethereum and Bitcoin have this, and even if there’s been plenty of support from early adopters of every cryptocurrency on the list, some have yet to prove their resilience. Nonetheless, these are the ones to invest in and watch out for over the coming months.

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Source by Jennifer Cosculluela

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Day trading on NASDAQ is one of the most popular ways to make money trading online. It’s the largest stock market in the world and the rewards can be incredible. But it’s not easy, you have to learn the correct trading techniques and then apply them every time you see the technique set up. The problem is, how do you find a trading technique to use?

This is how you can make money day trading on NASDAQ:

• 1. Do what successful traders do. One of the easiest ways to get started is to learn from an experienced trader. Do what they do and you’ll be short-circuiting a learning curve that could take years without expert guidance. I am now going to introduce you to three day trading professionals who make a living day trading on the Nasdaq.
• 2. VG. – VG, is a hugely successful day trader of NASDAQ stocks, originally from Ukraine, VG moved to Canada where he taught himself English from television and found out how to make money on NASDAQ. You won’t want to miss out on Vlad’s story as he discovered a way to make modest but very regular profits on the NASDAQ that are almost risk-free.
• 3. Mr. C and N – These two Englishmen cracked the secret trade code. The methods they use have similarities to VGs in that their trades are very low risk but offer tremendous profit potential. When it comes to trading knowledge, there isn’t much these guys don’t know.

So how do you do it? First, they have a method of filtering stocks out of the thousands that they could trade. You only want to focus on those with maximum profit potential. Stocks in the news, those about to report profits, this is where they focus their analysis.

Next, they look for triggers that trigger explosive movements. This includes observing price patterns that have occurred hundreds of times and which then lead to large trade moves during the day. They also use the Level 2 electronic order book. Here they can see exactly who is buying and who is selling and what price levels are being defended – if you stop defending those levels, it will be time to place those explosive trades.

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Source by George Hallmey