How to save hundreds a month on your mortgage.Written by Joseph McNealy
When it comes to American spending habits, sad truth is that most people don't put their financial assets to best use. One of greatest examples of this is home mortgage. Surprisingly, most people fail to educate themselves about dangers and pitfalls of not shopping for best mortgage. Worst still, many have not taken advantage of low interest rates that could save them hundreds of dollars a month.In addition to saving large sums of money every month, homeowner in question would save thousands overall on standard 30 year mortgage. This is before other cost saving measures such cutting unnecessary services, refinancing a car loan, paying off credit cards (to end high cost of monthly double digit interest) and changing spending habits. The power of such a rate reduction could be used by millions of American homeowners to reduce debt, invest in retirement, or to simply put money away for an emergency. It is amazing that so many still neglect to utilize these powerful and straightforward techniques. This then begs question of where to start in order to reap rewards of refinancing your mortgage. When it comes to finding home mortgage information, Internet has become a boon to weary researcher. In fact, finding sites about mortgage refinancing is far from hard part when it comes to searching 'Net. Perhaps hardest part about searching for financial information online is insuring that one will indeed get best quote.
| | Introduction to Absolute Return FundsWritten by Murray Priestley
Absolute Return Funds are internationally known as Hedge Funds. Hedge Funds are often deemed high risk/high return investment products. This is because they have gained notoriety for making rich investors, like George Soros, John Henry & others, very rich. Hedge Funds use diverse investment strategies, so are typically deemed out-of-reach to average investor. In fact, Absolute Return Funds are deemed to have same volatility of bonds but with a much higher rate of return.In this article you will discover: * What is an Absolute Return Fund? * How Absolute Return Funds play a part in your portfolio What is an Absolute Return Fund? Absolute Return Funds are actively managed investments that aim to produce returns in both rising and falling markets through use of a broad range of investment techniques. Traditional investment funds tend to invest directly into stocks, which may go either up or down. Absolute Return Funds have greater scope to use derivatives, short positions, and non-traditional securities to ensure their positions are protected in bearish markets. Absolute Return Funds are massively diverse in size, scope and philosophy. The investment strategy employed by fund manger will dictate whether investors receive returns in form of income, capital appreciation, or both. The risk profile of absolute return funds can also range from very conservative to very aggressive. The difference in return and risk profile is determined by exact instruments used by fund manager. These methodologies will be highlighted in fund’s Product Disclosure Statement or Prospectus. The main characteristics of Absolute Return Funds are: * Non-traditional investment techniques such as short-selling, derivatives, warrants * Performance incentives to align investor and manager interests * The use of gearing to increase investment positions and potential returns * Accepting pf new investments to effectively implement their complete investment strategy * Minimal exposure to potential market actions
|
