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Buying Insurance Bonds - Managed Funds Print E-mail

Managed funds

Investments are in a mixture of the life company's funds. Because of this, performance is less volatile than other types of funds.

You are in effect using the expertise of the life Company's managers to choose a mixture which achieves good returns at lower risk.

Some funds set off charges against annual bonuses, others do not, so it is necessary to take this into account when comparing. Some providers also charge by investing less than 100% of the amount put in; this is called the allocation rate.

Advisers get a commission - try for a rebate.

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When to Buy a Tax Sale List Print E-mail
by Joanne Musa

One of the first things that you have to do to invest in tax lien certificates or tax deeds is to get the list of properties that are in the tax sale. Sometimes you can find this list online, on the tax collector's website. In most counties the list has to be published in the local paper 2-4 weeks before the sale. In states where tax sales are held on the municipal level, most of these lists will be small (less than 100 properties) and easy to manage. But in large cities and in states where tax sales are held by the county, these lists can be quite large. Although you can get these lists for free, there are times when you will want to pay for a detailed tax sale list from a tax sale list provider.

The tax sale lists that you get from the municipality or county do not always have the information that you need. Often, they will not include the address or physical location of the property. Usually these lists will only list the tax ID or parcel number, block and lot, owner of record, and amount due on the properties in the tax sale. It will not tell you things that you need to know before bidding on the property like: the acreage, type of property, assessed value, last sale price, and whether or not there is a mortgage on the property. To find out this information you can either go to the tax collector's or tax assessor's office and look it up yourself, or you can buy a detailed tax sale list that provides all of the tax assessment information, including the physical address of the property.

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Uranium 2007 Price Forecast: Up or Down? Print E-mail
by James Finch

The big question now being asked by investors, institutions, uranium speculators, fuel brokers, uranium miners, industry consultants and utilities is: ‘How high will the price of uranium reach during 2007?’ Growth in the uranium sector continues to depend upon ever more convincing confirmatory evidence of global warming, caused by excessive fossil fuel use, in order to accelerate broad public demand for the expansion of nuclear energy as a replacement source for electricity.

In that context, it was a fitting end to 2006 when Associated Press reported the Ayles Ice Shelf had broken away from Ellesmere Island in Canada’s northernmost shore, where polar bears are reportedly drowning from the lack of ice to rest upon. This 41-square mile block was one of six remaining ice shelves in Canada’s Arctic, some 800 miles from the North Pole. To put this into perspective, the ice chunk was larger than New York City’s Manhattan Island – about the size of 11,000 football fields. By next summer, oil and gas drillers may find the ice shelf interrupting their production and explorations; shippers may need to re-route to avoid collisions.

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Real Estate and the New Series LLC Print E-mail
by Michael Potter, J.D. 

There is a national trend developing. Today, more LLCs are being formed in the USA than corporations.

Necessity, it is said, is the mother of invention. Given the simplicity, protection and flexibility of the Limited Liability Company (‘LLC’), some states have begun to adopt the new ‘Series’ form of LLC. Starting 10 years ago with the concept of ‘cell’ captive insurance companies used offshore, the states of Delaware, Nevada, Oklahoma, Iowa, and now Illinois have embraced the new ‘Series’ LLC. It may be very well-suited for certain types of business and investment holdings -- such as multiple income-producing real estate, aircraft leasing, container vessels such as tankers and cargo ships, franchise business enterprises (i.e. multiple fast food stores), trucking and transportation fleets, and companies having operating divisions that need to enhance the liability shield to better protect one portion of the business activity from another.

THE CONCEPT MAKES SENSE.

Use of multiple LLCs for property owners is a conservative and safe way to go. However, instead of registering a traditional LLC, forming a new ‘Series LLC’ may be a smarter way to go for real estate investors. The concept is simple. It’s based on the model of the Cell Captive Insurance Company used in other countries.

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The 2007 FSBO Market Print E-mail
by Raynor James

After five years of blazing hot real estate markets, the 2006 year was definitely a pull back. So, how is the 2007 FSBO market shaping up?

The 2007 FSBO Market
Ah, the good old days. From roughly 1999 through 2005, selling your home was about as easy as it has ever been. With interest rates on home loans at historic lows, money was flowing into the market like a tidal wave. Throw in unique hybrid mortgage loans and you practically had a stampede of buyers throwing offers at sellers. This was true even when asking prices had little reflection of the then current home values in a neighborhood.

In the FSBO real estate market, things were just as hot. “FSBO” means homes for sale by owner without a real estate agent. With so many buyers out there, sellers decided they really did not need to pay tens of thousands of dollars to real estate agents when buyers were practically beating their doors down. Simply put, the FSBO market had never been so good and FSBO sellers were pocketing tremendous profits As you know by now, 2006 say rates rise, demand fall and a general real estate market pull back.

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