INVESTMENT KEY TIPS

Now-a-days there are so many types of Investments like Online investment, Real estate investment, Mutual funds. Online investing is a new service and its scope is increasing day-by-day. Online investment means making investment with the help of Internet. The Internet serves as an admirable tool for investors, allowing them too easily and inexpensively research investment opportunities. But it is also a superb tool for fraudsters. Real Estate Investment is one of the greatest assets that can earn you the highest amount of profits in the shortest amount of time. While investing in a real estate, investors have to be very careful taking many precautions, checking and verifying all documents and making sure that they have invested wisely. Here are some tips to help you when you choose to invest in real estate.1. For Rental Income.2. Make a list of repair crews.3. Look for a good location.4. Look for homes that are perfect for the average family.Mutual funds are a set of stocks as well as bonds invested in different securities, which consist of fixed market securities and money market instrumentals. The mutual fund industry has experienced tremendous growth in recent years. During this time period mutual funds have become somewhat of a commodity with many funds using advertising to attract investors. For more Information on Investment can be obtained from

10 Ways to Buy A HOME WITH LITTLE OR NO MONEY DOWN

There are many ways to buy a home, even if you have little or no money to put down. Here are a few of the basics:
1. Sweat EquitySweat Equity is a way to get a home by trading work for equity in the house. This could be used for a down payment or for purchase later. This is a great technique if you are handy with tools, yard-work, and paint.Look for fixer-uppers in neighborhoods you are interested in. Many times these homes will have a hard time selling and the owner is ready for just about any offer. You will find these houses ranging from just needing a little “cosmetic” work like landscaping or painting, to totally trashed out houses in need of some serious renovation. If you are into repairs, this is a great way to get a home for a good deal.If you are not skilled at repairs and renovation, be careful about fixer-upper homes. They could end up costing you quite a large amount of money to pay others to fix.I also recommend getting a home inspection so that you know what exactly you are in for before you begin.

2. Seller Carry-BackLook for a home with an assumable loan. Instead of buying out the owner's equity, ask the seller to carry back a second mortgage for the rest of the money owed. If you can get the seller to carry all of the rest, you can get the home for no money down.

3. Offer an Object for the Down PaymentOffer something other than cash (land, a car, a boat, or valuable collectibles) to the seller instead of a cash down payment. This is why it is important to listen to sellers. Find out what they want and need. Maybe you have (or can get) just what they need. For instance maybe they wanted to use the down-payment to buy an RV and it turns out that you just happen to have one you don’t need. Offer that vehicle as a down-payment, and it saves you from coming up with the cash.

4. Offer Services for the Down PaymentOffer your services or expertise to the seller in lieu of a down payment. Some examples include $10,000 worth of auto services if you're a mechanic, dental work if you're a dentist, desktop publishing services if you're a designer, artwork if you're an artist or legal work if you're an attorney.

5. ForeclosuresLook for foreclosure properties that require little or no down payment. Some lenders and government agencies will let you buy a foreclosure with no down payment if your credit is good and they're anxious to have the home occupied, or if you have skills (carpentry, landscaping or even painting) that you can use to increase the home's value. Distressed properties - assume with little or no down to save foreclosure.

6. VA or Other No Money Down LoansLook for conventional loan programs such as VA or FHA that require little or nothing down. VA loans have helps countless veterans get into their homes. There are often programs available to first time buyers or people who are distressed (such as with Hurricane Katrina) that will help people get into a home with little money down. You usually will have to qualify for the loan with the bank, though.

7. Find an Investment Partner for Equity SharingLook for an investment partner who'll put up some or all of the cash in an equity-sharing partnership. You make the monthly payments and the two of you split the eventual resale profits.

8. Wrap-Around FinancingWrap-around financing is where you assume a seller’s VA Loan by doing a new Contract for Deed. Since this contract is flexible and does not have to follow the old loan, you can ask the seller to carry not only the loan amount, but the rest of the purchase price of the house, letting you get in with little or no money down.

9. Rent-to-Own or Lease-OptionThis is really is one of the best ways to get into a home of your own when you can’t get a bank loan. Remember that you may still have to get a loan down the line. If you have a lease-option for 5 years, at the end of that time, you will need to purchase the house, so you can use the time to fix your credit, or use one of the other options that are discussed in our book to purchase the house at that time. You can always try to negotiate another 5-year lease-option if you need more time. (For more detailed infomation on lease-options, check out our free ebook, "Buying a Home When You Have Bad Credit" at http://I-can-buy.com.)

10. Government and Community Down-payment ProgramsThere are many community and non-profit organization programs out there to help people get into homes of their own. Many of these do no require any money down. There are some organizations and programs that will pay for some or all of the down payment for you. Generally these are for lower to moderate-income individuals, but these days that includes a lot of people. You also usually have to be able to qualify for an FHA loan (which is somewhat easier than a conventional bank loan.) If you have been unable to get into a home because you don’t have enough money for a down payment, then maybe one of these programs will be for you.

TOP TEN TIPS FOR YOUR DEBITS

1. Save three months of income in super safe investments.Before aggressively paying down your debt, I recommend you pay yourself first by having three months income in a savings account or other no risk investment that you can get to in an emergency. Do not put off any longer having this emergency saving. This is what you need for real emergencies. With this money, you should be able to raise your insurance premiums, not have rely on payday loans or new debt for those unexpected emergences, and be able to collateralize a secured loan for the purpose of building your credit. 2. Pay off debt before saving or investingIt doesn’t make much sense investing for modest returns when you have credit card and other high interest payments in excess of twelve percent. When you invest in your own debt, it is like getting a guaranteed return on your money since you know exactly how much interest you will save versus how much you could earn. You should save up a small fund, about three months of your income, and then aggressively work on paying down your debt instead of saving additional money elsewhere. 3. Renegotiate your debts and interest rates. Call your creditors and simply ASK to have your interest rates lowered. The worst they can say is no, and if they say no, put a note in your calendar to try again in thirty days. Keep trying! Chances are you will find many will lower or change the terms to a more favorable rate that will save you a ton of money. You should also be shopping around for other lenders who will consolidate or transfer the balance at a more favorable rate. If you are in dire financial straits, consider hiring a debt negotiator. A good debt negotiator can reduce interest and even the amount you owe as much as fifty percent or more. You will take a hit on your credit, but the chance to wipe out half your debts would be worth the small price you would have to pay for a bad mark(s) on your credit report that you can later repair yourself. 4. Invest unexpected money back into debtWhen you get money as a gift, your income tax refund, and/or an unexpected rebate or raise, don’t go out and spend that cash. Use it to pay down a bill to reduce what you owe and the interest you are paying. Another technique is at the end of the day, take all your loose change and put it into a jar. Each month, cash all those coins in and apply it as an extra payment.5. Find lower cost alternativesBuy items used on an auction site. Go online and search for grocery coupons on products you already use. Cancel services and use money back guarantees for stuff you are not using or don’t need. Pack a lunch instead of buying lunch at work. Rent a DVD instead of going to the movies. Listen to the radio instead of buying CDs. Go to the library instead of buying books or get them used online. Use comparison shopping websites to make sure you’re getting the lowest price. Cash in those rebates and keep accurate records.6. Sell unused itemsSell used books, cds, textbooks, etc online via auction sites like Amazon, Ebay, and Half.com. It is easier then you think, often just the ISBN number is needed to sell a used book, and your customer pays the shipping. Other stuff like baby furniture, kids clothes, etc can be sold online.7. Earn additional income.Look for ways to expand your income that does not require investment. Write articles for websites. Get a part time job. Create items people want to buy. Become an affiliate marketer. Write reviews on products you like and have your affiliate URL listed in your review. Start a home based business and keep accurate records so that you can deduct expenses like your computer, internet, and your home office space to get a bigger refund or reduce what you owe in taxes. 8. End bad habitsQuit smoking and use what you were paying to speed up paying debt. Drink more water from the facet instead of buying bottled water. Eat fruits and vegetables instead of junk food. Have a meal before going grocery shopping. Turn off lights and electrical appliances when not in use. Don’t over tip or give money way. Buy modest small inexpensive gifts for friends and love ones on their birthdays, anniversaries, holidays, etc. Write a thoughtful note on plain paper instead of buying a three dollar greeting card. 9. Increase your knowledgeUse free resources online to do for yourself what you were paying others to do. Go to a local high school or community college for adult education that can help you improve your job skills. Network with other people in your industry and keep an eye out for higher paying positions/careers that you can apply for. Many people are experts at resourcefulness, study and collaborate at smart shopper websites online. Learn how other people successfully handled reducing their debt, and learn from their successes.10. Fix and improve your credit report.Order a free copy of your credit report directly from the three major credit reporting agencies themselves. Begin a letter writing campaign to dispute and remove inaccurate information. Often this is a battle of wills, and if you persist and proceed to aggressively push to clean up your record, slowly it will happen. The removal of just one bad item can dramatically improve your score, enabling you to access lower interest rates to move and consolidate your high interest debt. Write a consumer statement for really bad marks that are confirmed as valid explaining your situation or your dispute. For truly accurate information, go back to the source of the information and ask the creditor to change or modify their reporting. Persistence pays off. Write them a letter each month for every bad mark you have. They only need to say YES once. Finally, apply for no fee credit card and don’t use it or pay off the balance every month to improve your credit