The World’s Top Gold Hoarders

Gold is increasingly being spoken about as some kind of new global phenomenon, which is going to shift the global economic structure and redistribute the power of the world.  Gold, as you are probably aware, is not new, but there is an almighty shift just around the corner and this is why it has taken centre stage once more.

The whole story is complex; there is money and gold and oil and competing nations, and somewhere along the line, gold has re-emerged as  a central part of the paradigm.

Put simply, the dollar was connected with gold, then the US people spent too much money (on war and consumption) and released their currency from the precious metal, in order to maintain such spending and growth.  For the purpose of maintaining demand and thus halting inflation, they then connected it to oil, through the petrodollar system, and thus continued to thrive.  As other nations have become richer, however, the dollar has begun to collapse in on itself, and now several nations are set about destroying the petrodollar system by trading oil directly with gold, thus bypassing the dollar and ultimately kick starting hyper inflation.  Fundamentally, gold is now beginning to be trusted ahead of any currency.

So, what does this mean in terms of global power?  As the old saying goes, money is power, but with increasing faith being placed in gold ahead of currency, the precious yellow metal is now becoming of a key component of state finance.  This has resulted in a number of central banks recalling their gold from overseas – most famously, Germany – and numerous others building up the percentage of their state gold reserves.

Today, we are going to look at what this means, by investigating the top five gold hoarders in the world.

1. United States

  • Gold reserves: 8,133.5 tonnes
  • Percentage of total foreign reserves: 75.4%
  • GDP: $15 trillion in GDP (the largest)
  • Stock performance: S&P 500 up 5.7% in Q3, up 14.5% YTD

Despite the desperate state of the dollar, the US still boasts the world’s biggest gold reserves, with over 8000 tonnes.  This is no surprise really, what with the dollar being the global reserve currency and with the States leading the way, with regards to GDP too.  There are, however, some rumours that this stated quantity of gold does not exist in actual form; a situation that if proved true would have dire consequences for the US currency.  If, however, the gold is there, then such an extensive reserve should maintain the dollar as the global reserve currency for many years to come.

2. Germany

  • Gold reserves: 3,395.5 tonnes
  • Percentage of total foreign reserves: 72.4% of foreign reserves
  • GDP: $3.6 trillion (4th largest)
  • Stock performance: DAX rose 12.4% in Q3, up 22.3% YTD

As the central pillar of the euro, it probably also comes as no surprise that Germany is second on the list.  Despite having only the world’s 16th largest population, it has the 4th largest GDP and imagine what would happen if they were to sell off some of their extensive gold reserves.  The risk, in this regard, however, would of course be inflation, without the presence of hard assets as a cushion.  Germany recently requested the return of their gold back, predominantly, from US stores; a move, which added further fuel to the conspiracy theories floating around.  Indeed, there is no benefit to gain from the repatriation of their gold, except security and defence against potential confiscation.

3. Italy

  • Gold reserves: 2,451.8 tonnes
  • Percentage of total foreign reserves: 72%
  • GDP: $2.2 trillion (8th largest)
  • Stock performance: Borsa Italiana MIB rose 5.7% in Q3, flat YTD

Italy is perhaps rather surprisingly up at third place, with almost two and a half thousand tonnes of gold in reserves.  The economically, and often politically, troubled nation is a matter of global concern when it comes to economic stability.  With the 8th largest GDP in the world, Italy truly are too big to bail out, but if they were to sell some of their gold reserves, then they would lose security against the potential collapse of the euro.

4. France

  • Gold reserves: 2,435.4 tonnes
  • Percentage of total foreign reserves: 71.6%
  • GDP: $2.77 trillion (5th largest)
  • Stock performance: CAC rose 4.9% in Q3, up 6.1% YTD

France currently finds itself at quite an important crossroads, as socialist President Hollande continues on his quest to oppose austerity measures implemented by his predecessor, Nicolas Sarkozy.  As new measures predominantly impact the highest earners and riches sectors of French society, there may continue to be a mass exodus, as has been illustrated by a number of high profile cases.  Ultimately, France may even need to sell gold, but with the euro struggling, they may be unwilling to sacrifice their fall back plan.

5. China

  • Gold reserves: 1,054.1 tonnes
  • Percentage of total foreign reserves: 1.7%
  • GDP: $7.3 trillion (2nd largest)
  • Stock performance: Shanghai Composite 6.6% lower in Q3, 5.4% lower YTD

China is the famous pretender to the US as the world’s leading economy, and as the leading gold manufacturer, they are working tirelessly on building up substantial gold reserves.  Indeed, it is not really know just how much gold China has in reserve, and quite soon the United States, and the rest of the world, may be in for quite a shock.  Indeed, China’s focus on gold is viewed by many as a bid to put the final nail into the dollar’s coffin.

Jamie has recently got back from touring South America and is just starting to get back in the blogging seat after a five month hiatus.

The Most Common Type Of Life Insurance Policy

The Two Primary Types Of Life Insurance Policies Are Term And Whole Living Insurance.

Term lifetime insures agreements are provided for a specified period that answers your requirements. Term life contracts are often supplied in terms of ten years or twenty years. You could figure that both you and your spouse will have enough cash inflows from Social Security checks and annuities when you stop working in ten years. Consequently, you feel that you merely need a policy in case you pass on in the next decade.

A term on line life ins establishment undertakes to assume the risk of the insured event (in this case, your death) by using previously documented data pertaining to insured individuals with closely- resembling risk factors, in order to calculate a premium. (Relevant risk attributes entail your health history, your sex, and your age. You complete a health condition questionnaire and a health examination to get evidence of insurability.) Once you are given a price quote for a term life policy, you remit fixed premium payments for the specified duration of the insurance contract. In case your death occurs prior to the expiry of this term, the person you`ve nominated as your beneficiary is given a compensatory amount of money. When you have term lifetime online insurance, your contract is no longer valid when you stop paying insurance payments.

When the duration of the insurance agreement comes to an end, you normally have the option to renew, although at a steeper premium. The bigger insurance fee denotes a larger risk of your demise during the duration of the renewal. (You have more years on the clock, after all.) Insurance establishments like to say that your `mortality risk` (that is, the risk of your dying during the term of the policy) is higher, thereby validating the steeper insurance payments.

Cover till Death

Permanent online life coverage is different from term  life insurance. To start with, Permanent life insurance supplies insurance cover till you, the policy owner, happen to die. You can also terminate or surrender a permanent-life contract, although you will probably be required to fork out a surrender charge as a penalty for early withdrawal. These charges are like paying contingent deferred sales charges for a backend loan at the time that you redeem a mutual fund`s share – redeeming a policy brings down the investment performance of the policy.

Cash Value

A second primary difference of Permanent life insure is that your policy stacks up a cash value. This investment component is sometimes called cash surrender value (CSV). This accrual of cash surrender value occurs on account of the fact that you agree to the investment of a proportion of your permanent life premiums. The way in which these insurance payments are put to work to earn a return is the aspect that decides the kind of Permanent life insure you have. The most popular categories are Whole-Life, Universal, and Variable on line life insurance. For example, you might shell out a thousand dollars as premiums for 12 months. When the insurance payments are used to earn returns and have higher cash worth, the upcoming insurance fee required to ensure that your insurance agreement remains in force, could drop to, say, $500. As a result, your premiums accumulate a cash value of $500 after year #1.

Cash Surrender Value

Your CSV (cash surrender value) is the amount that`s rightfully yours when you cancel your insurance contract. For some kinds of permanent life coverage, you have the option to make use of the cash value of the policy to revise either the amount to be paid on your death or your insurance payments. Conversely, in case the cash surrender value of your policy goes down, the amount of money payable to your beneficiaries may be correspondingly reduced.

CSV is one of your personal assets. You have to factor in this asset when you make out a statement of your individual net worth. When you submit an application for a financial loan, for example, you are required to reveal the surrender value of an insurance policy as a personal asset. You have the additional option to use the cash value of an insurance policy as security when you`re seeking a cash loan.

Author Bio:

This post was contributed by Damian Youell who is the lead financial adviser at NeedingAdvice.co.uk. He specialises in offering advice on Business Protection Insurance offering products such as Relevant Life Policies Insurance and Key Person Cover. Other areas of financial advice that he can assist with include Enhanced Annuities, Mortgages and Investments.

Steps To Refinancing Your Home Mortgage

In this time of historically low mortgage interest rates, it makes sense for almost anyone with at least 10 years left on a mortgage and a rate of 5% or higher to refinance. Refinancing allows you to lock in a low fixed rate for the duration of your mortgage, potentially lowering your payments. Some people even choose to shorten the repayment term to get an even lower rate, help reduce the total interest cost, and finish paying off the mortgage years ahead of schedule. If you’re interested in refinancing, go through several steps to carry out the process.

1. Look up the current interest rate, remaining years left in the repayment term, and remaining principal balance on your existing mortgage. If you have a second mortgage, home equity loan, or home equity line of credit, look up this information on that loan as well. You will likely want to refinance it together into your first mortgage at a low interest rate.

2. Determine whether you are an ideal candidate for refinancing. You do not want to refinance if you are planning to sell your home within the next two years because you are unlikely to recoup the closing costs through savings on interest during this time. In addition, you will not want to refinance if your current interest rate is very close to today’s market rates.

3. Check your credit reports with all three credit bureaus, Experian, Equifax, and TransUnion. If you have not gotten free credit reports within the last year, get them for free through AnnualCreditReport.com. Look over your reports for errors, like accounts that don’t belong to you or inaccurate late payments. If you find any errors, file a dispute with the credit bureau that reported them to have them removed from your credit report.

4. Contact several lenders to get interest rate quotes. You’ll need to provide some basic information, including the total amount you need to refinance, and your income as reported on last year’s tax returns and your most current pay stubs. Based on this information, the lender will tell you what interest rate you could get and what your closing costs will be on the refinance.

5. Choose the lender with the lowest interest rate, or if the closing costs matter more to you, the lowest closing costs. If paying closing costs out of pocket is a problem, talk with your lender about including the closing costs in the loan. You may be able to add them to the balance you are refinancing or to get a slightly higher interest rate and use the lender kickback to cover the closing costs.

6. Complete the paperwork requested by the lender. Most lenders will also require you to schedule an appraisal for your home to ensure the loan can be fully secured by the value of your home. Your lender will let you know what you need to do to complete the process of refinancing your home.

Bryan Grayson writes about home mortgages, finance, and more.

Where To Get Loans Fast And With No Credit Checks

Your financial situation is more than likely a constant worry to you. Questions such as how you are going to pay an impending bill or simply reach the end of the month never far from the surface of your mind. So, when you are in financial trouble and need some extra cash you need to be able to rely on somewhere you can get loans fast and without all the usual hassle of credit checks and paper work.

Is This Too Good To Be True?
This might all seem far too good to be true or even a dream, but it is a reality. These days there are lending facilities available to meet all people from all different walks of life including the temporarily unemployed and those with a bad credit history. Having defaulted in the past on payments you will be only too well aware of how your credit rating has took a dive and how it now seems impossible to secure even the smallest of loans.

Although constantly relying on credit to get you through to your next pay check is not always a great idea, there are plenty of situations when you need cash in a hurry. Just some examples of when you cannot wait for your next pay check are an unexpected vet s bill or a high winter fuel bill. By delaying payment on a bill you can easily get into trouble and even lose your gas supply, so you need to act quickly.

In the past you may have tried all different techniques for securing a small personal loan but with no success. Once you have been turned down by the high street lenders and even for a small overdraft or credit card it is often easy to become disheartened. What you require therefore is a lender who is willing to overlook your past financial problems and give you the money you so need.

Where to Get Fast Loans

To get loans fast with no checks is so easy and quick. Generally known as payday loans or quick cash, the majority of these lending firms can be found online. This makes it even easier to get the cash you need straight away, no forms to sign and no credit checks meaning that the cash you need can be with you in just hours of your completing your application.

When applying for such a facility, a fax-less and paper-less loan will have a limit of around five hundred dollars, this being plenty to tide you over till your next pay check. Payday loans are known as such as they are designed to be repaid in full on your next pay day and are not a long term solution to your financial problems. Therefore, as tempting as it may be to sign up on line, first read the small print and check just how much you will be expected to pay back.

Getting loans fast is a great way to solution your immediate problem, but always take some time to see where the problems lie within your finances. If your outgoings are constantly exceeding your income then it is time that you sat down with a financial adviser. This way you can really get your life back on track and start enjoying the finer things instead of constantly worrying over the next bill to arrive.

The writer, Arthur Hawks, loves to blog about credits, loans and finance. He shares great insights about applying for Fast Loan Today

Why You Shouldn’t Wait to Jump into Real Estate Investment

There is a lot to love about real estate investing.  Some investments are intangible and a bit more difficult to understand. Real estate is incredibly attractive because you can see it, you can feel it, you can use it.  Of course, you can also make a ton of money from it.

Yes, you can still make a lot of money in the real estate market today. While the real estate market is depressed in countries all over the world and the global economy shows few signs of digging itself out of the huge hole it’s currently in any time soon, there is a buyer’s market out there right now. And though the margins for people looking for short term wealth in the real estate world probably aren’t there right now, if you’ve designed to use this investment vehicle for the long haul you can expect some pretty big things.

Commercial v.s. Residential Properties

There are a couple of different schools of thought in the real estate investing world. Common sense would dictate that you stand the chance of a more stable return when you invest in commercial properties over residential ones.

There is no right and wrong ways to invest in real estate. However, there are some investments that are much more stable than others.  There always seems to be a big push to buy residential properties for investment income. This is so because that’s something that many of us are more comfortable with. The truth is that commercial property and investments are often much more stable.

Think about it this way – would you rather trust your income source to a person that is out of work or struggling to make ends meet or a business that has customers coming in every single day and giving them money? Businesses know that they need a physical location to set up shop, and even though there is a bit of an overturn in the commercial world, unless your location is terrible you should have no problem finding someone else to take over any vacant spaces.

It’s a Buyer’s Market

The most important thing for you to understand about investing in real estate right now is that the buyers hold all of the cards. You have an endless amount of power and leverage at your fingertips right now, but you need to make sure you are using it properly.

As a buyer in a buyer’s market, you have all of the control. There is a flood of awesome properties for fire sale prices right now because of people’s need for instant injections of cash. If you have access to capital you can make deals that would be unheard of when the market rebounds. Use this leverage to your advantage to make good deals even better and you’ll be sure to lock up your financial future moving forward.

Author  Bio:

Jessica Josh is a freelancer who loves researching and writing about Tips for Estate Agents.  She writes about buying, selling and renting real estate for companies like Taylors Real Estate

 

5 Of The World’s Most Expensive Properties

Anatilla

Located in Mumbai, Antilla was the world’s first home to be valued at over a billion dollars. It was custom built for the Ambani family (who own Reliance Industries, India’s most valuable firm) and looms a full 550 feet towards the sky. It has 27 storeys and 6 underground floors, all of which are unique, both in terms of their floor plans and the materials used within.

If you’re visiting via chopper, don’t worry, you’ll have your pick of places to park as the tower has not one, not two, but three different helipads. And whislt you’re up there, if you fancy a guilt trip, you can enjoy the sweeping view, which takes in the city’s extensive slums – home to more than half of its inhabitants.

Villa La Leopolda

This incredible ten acre compound overlooking the French Riviera has, through the ages,  been in the hands of Belgian royalty, technology tycoon, Bill Gates, as well its current owner, Russian Oligarch (and owner of Chelsea Football Club), Roman Abramovitch.

The stunning grounds are kept in order by as many as fifty full time gardeners and staff who maintain the property in the style that epitomises its iconic location. If you happen to be thinking of making a move to purchase yourself a monumental French villa, beware. The county’s laws dictate that if a buyer pulls put of a deal at the last minute the seller can keep their deposit. In 2008 Mikhail Prokhorov lost $50 million dollars in accordance to this law when he changed his mind about purchasing the property in question.

Fair Field

Built at the behest of billionaire, Ira Rennert, this expansive property boasts 29 bedrooms and 39 bedrooms. Naturally, keeping that many guests entertained also requires a cinema with some 164 seats and at least a couple of bowling alleys.

Set against the luxurious surroundings of The Hamptons in New York, at 110,000 square foot it’s believed to be the largest occupied residence in North America. However, even having that much space doesn’t stop disputes with neighbours. Last year other home owners in the area set up a ‘quiet skies’ coalition protesting against high rollers such as Rennert who travel back and forth between their mansions and the city in deafeningly loud helicopters.

Updown Court

This contrarily named UK property is even larger than Buckingham Palace, the official residence of the Queen. Among its many notable features are the Disney-castle-esque neo-classical stylings, an en suite pool for the master bedroom accessible via lift and a high-tech home management system that be controlled remotely over the internet.

One Hyde Park Penthouse

If you like getting less for your money, forget the huge sprawling mansions overlooking beautiful scenery and avail yourself of a central London flat. Of course, as you’d expect given that it’s worth  well over $200 million, the penthouse of the One Hyde Park complex is no ordinary flat. Among its many unique features arguably the best is an underground passage running directly to the restaurant of experimental chef Heston Blumenthal.

Will Kerr writes on a wide range of fiancial issues, from the excessive pads of oligarchs to more mundane matters such as advice on life insurance. You can read more at www.financenet.org.

Expected Wine Price Trends For 2013

Wine prices are projected to rise in 2013, mostly due to a sharp decrease in production. The slowdown has caused the wine reserve to dissipate and with supply decreasing prices have nowhere to go but up.  Along with a decrease in production the industry has witnessed major consolidation.

Over the past five years, global production of wine has decreased to the tune of about 1.8 percent annualized rate. The five year production low culminated in 2012 at 248.2 million hectoliters.

European Wineries Consolidating

European wineries are seeing greater consolidation within the global wine industry even as demand in emerging markets such as China and India is on the rise. The trend towards greater consolidation left the worldwide number of wine producers in 2012 at 21,183. This represents a drop of approximately 2.2 percent annualized over the past five years.

Low-end wines are a great investment when times are hard and prices are on the move upwards. The following tables indicate 21 domestic and international wines available in 2013 for $25.00 (USD) and under.

Sixteen Top 2013 Wines –  $23 and Under

2009 Veramonte Sauvignon Blanc Reserva                             $11 2008 Anthony Road Wine Company Dry Riesling                   $16
2009 Dry Creek Vineyard Clarksburg Dry Cheni Blanc           $12 2008 A to Z Oregon Pinot Noir                                                   $20
2008 Castle Rock Sonoma County Pinot Noir                          $14 2008 Volver                                                                                    $16
2008 Bodegas Olivares Altos da la Hoya                                  $12 2009 Healdsburg Ranches Russian Rover Valley Pinot Noir  $19
2008 Borsao Tres Pico Garancha                                               $17 2007 Copain Toue Ensemble Syrah                                           $20
2008 Penfolds Koonunga Hill Shiraz Cabernet                        $12 NV Bodegas Hildalgo La Gitana Manzanilla Sherry                 $18
2009 The Chook Shiraz Viognier                                                $18 NV Minetto Prosecco Brut                                                          $15
2008 Foxglove Central Coast Chardonnay                               $15 NV Parigot Cremant De Bourgogne Blanc de Blancs              $23

Five Excellent International 2013 Wines –   $25 and Under

2009 Terredora di Paolo Falanghina (Italy)                              $19 2009 Telmo Rodraguez Gaba Do Xil Godello (Spain)              $17
2007 Feiler-Artinger Zweigelt (Austria)                                    $18 2009 Domaine Sigalas Santorini (Greece)                                $25
2009 Bodega Colome Torontes (Argentina)                            $15

Christian Miller, director of research at Wine Opinions and the owner of Full Glass Research has indicated that wine consumers are beginning to increase their purchases again as the recession lifts. The most popular wines for general consumption are in the $10-20 range. The number of survey respondents stating they weekly purchased $20 wines jumped from 5 percent in 2009 to 9 percent in 2012. Additional research indicated that consumers secure in their finances were less likely to buyer $6 or less wines in 2012 than they were the three years prior.

Taste a Main Driver in Purchase Decisions

In 2013, consumers indicated that the number one factor influencing their purchase was the taste. Price ranked higher amongst listed factors in 2013 than in 2001, but not by a wide margin. Vintage and brand slipped lower in the list of factors in 2013.

For those seeking more exotic wines, the following table will provide a list of 10 flavorful wines $50 and Above.

Ten Top Picks for Exquisite 2013 Wines –   $50 and Above

2010 Vina Montes Folly Santa Cruz                                           $90 2007 Bodegas Lan Rioja Culmen Reserva                                   $70
2002 Charles Ellner Brut Champagne Seduction                     $65 2009 Newton Chardonnay Napa County Unfiltered                 $95
2008 Conterno Fantino Barolo Sori Ginestra                         $102 2008 Fiorenzo Nada Barbaresco Rombone                                $52
2007 Louis Roederer Brut Rose Champagne                           $72 2002 Taittinger Brut Blanc de Blancs Cometes de Champagne     $195
2008 Rust En Vrede 1694 Classification Stellenbosch         $125 2009 Vina Almaviva Puente Alto                                                $135

 

Global Wine Prices

The global wine industry is likely to remain volatile until the worldwide recession has come to a full close. The trend towards consolidation is likely to remain constant. Prices will continue to climb as long as production is low, especially because of the expanding consumption in China and India. Latin American nations remain largely untouched by the recession and are continuing to produce at higher levels because of the current level of Chinese influence in Latin America.

Consumers will undoubtedly continue to weigh their wine purchases based on taste and will continue to opt for $10-20 wines as long as the current level of economic recovery holds.

The article is written by Alisha Webb. Alisha is a content developer for Wine Investment.

Getting Instant Cash with Short Term Loans

The Financial Difficulties We Face                                                                                       Wouldn’t it be nice to have a friend or family member that is always willing to lend a hand at times of financial emergencies? The only problem is, it isn’t right to bother the same person repeatedly. And what do you do when the next emergency happens? I’m sure you’d love to have a financial nest egg of a savings, but studies have shown that only a small percentage of people today have a savings. Although we do not like to admit it, most of us are living from paycheck to paycheck. Every month we’re trying to make ends meet.                                                                                                                               What’s surprising is that this dilemma isn’t unique to employees; in fact, businesspeople encounter this problem maybe as often. In business, it’s a given that not all customers will be able to settle their responsibilities on time. As a business owner, you have to obliged at times and cut your customers some slack. It is considered as rewarding them for their loyalty so they would place your company in a higher pedestal. All is well until your payable arrives at the office and especially for small businesses; this might mean a major break in your cash flow.                                                                                                                     The said example of a business with an impending break in cash flow is no different from an employee strapped for cash towards the end of the month.                                         Now the question is how we resolve it.                                                                            Short Term Loans is often the best solution for both concerns. If you’re starting to become a burden to someone in your circle, I’d suggest you turn to professional lending. Lenders may also call this type of loan a payday loan or an instant loan, they’re the same so don’t be confused. It’s what businesses and individuals rely on to patch some holes in their finances so they could keep on going.                                                                               Why not get a bank loan instead?                                                                                 Since we’re mostly talking about emergencies here, it’s impossible to foretell this financial difficulty would arrive on our doorsteps. And that’s exactly what you need to apply for a bank loan. Looking ahead, planning and applying in advance because it takes time before one is approved. If you decided to go that route, the cash usually gets in our hands too late. You may face disruption of service or late fees that would make you pay more cash. Ironically, that’s why you’ve probably chosen to go to the banks to save money on interest.                                                                                                                             Short term loans are fast and they are handed to you the moment you faster. In addition, lenders wouldn’t require you to have a spotless credit rating if this is what you’ll ask for. You also wouldn’t be required to turn over a collateral in most cases. These things and more are just some of the incentives on why I can tell you with confidence that a short term loan is the perfect answer for unpredictable financial hardships in life and business.                                                                                                                              It’s no secret that there are short term loan lenders even on the internet. This makes the process of application, review and approval that much easy. Let me add that as another advantage.                                                                                                                       Author Bio:                                                                                                                      John Lewis is marketing lead at Noblefunding.com.au. Noble Financial Group is a medium between lenders and borrowers. Noble Financial Group helps over thousands of Australians each year with our short term finance.

5 Simple Ways to finding a Perfect Business Angel Investor

20.1 billion dollars. That was how much angel investors were pumping into startups in the US, and that was back in 2010. Now that angel investing is much closer to being mainstream, note that there is even a TV show about it, I’m sure that figure has already ballooned.                                                                                                                                That being said, tell me that you wouldn’t want to have a piece of that humongous source of capital. Also, let’s keep in mind that angel investors aren’t only interested on lifting startups off the ground. If you already have a fully functional business, which may be down on luck as of the moment, don’t be too hard pressed on yourself; angel investors are interested in powering existing businesses too. Finding an angel investor is always a viable source of capital at certain stages of development in business.                                             5 Way To Find An Angel Investor –                                                                                  Give Them a Good Reason to Invest                                                                          Before you go out to find someone who can bring life to your idea or give life back to your flailing business, you have to at least make it enticing for him or her. An angel investor not only expects that he would get his investment back, but also make a hefty sum from investing. Think of it as a competition. You are constantly competing against other founders and business owners for capital. That is why angel investors has the luxury to look at your business plan, management team, portfolio, and determine how much how much profit he would make. He’ll then compare it against the next person who’ll knock on his door.                                                                                                                               Look Close to Home                                                                                                           An angel investor is always trying to do things the easier way. This is why you’ve got a better chance with someone close to home than an investor from out of state. Logistics and face-to-face communication are irreplaceable when we’re talking business. Focus your efforts to angel investors closer to where you’re located.                                                                                                                         Network,Network,Network!                                                                                                   It’ll be difficult to make a pitch to a complete stranger (not to mention nerve racking). In contrast, talking about business to a person you already know is better. But of course, most of us don’t have a friend who keeps a million or a billion dollars in his pocket. So we’ll have to settle for the next best, which is for a friend to refer us to one. Meet business owners, join civic groups, and becoming a part of trade organizations are all steps that may land you a meeting with an angel investor.                                                       Leverage through the Internet                                                                                       The regular ways of setting out to find an angel investor can be expensive. There is a shortcut though, which can yield the same results without having to go through lunches and events. It’s through the internet. Find angel investors in forums they like to hang out in and engage them in discussions. Also, befriend them in social networking sites.                 Know who you’re looking for                                                                                            He or she is more likely a middle-aged person; has over a million dollars of net worth and has an income more than a hundred thousand. He must have been a business owner too. You’ll also want an angel investor who has patience and be willing to wait five to seven years before cashing in.

Author Bio:

John Lewis is Australian non-fiction author and financial lead at Simplepersonalloans.com.au. simple personal loans is a specialized professional lending company, provide fast  personal  loans and online personal  loans. We have also turned what always was a complex ordeal, into a much simpler and easier process and help people who are busy & prefer for online process.

Make your Dreams Come True with Unsecured Small Business Loan

Getting a Loan is taking a Risk In Good Way                                                                      I told myself when I was a kid that when it’s my time to be a grown up, I wouldn’t have anything to do with loans. I’ve promised myself only to spend cash I currently have in my pocket. At a young age, I formulated all these from what I saw with the adults that were in my surrounding. They were miserable because of it.                                                           To cut the long story short, now that I’m an adult, I found that loans aren’t the ones that make people miserable; it’s the way a person uses it.                                                             In fact, in this modern age where you can be well off now and then next week you’re trying to make ends meet, I’ll go on and say loans is part of being an adult. Being that I’m a successful entrepreneur, I can; think of a single reason why I should advise anyone not to experience getting a loan. Yes, there were old adages that we were told as kids to place the option of taking out a loan always as the last resort. However, it also contradicts an important one that I think is more appropriate for adults. It’s the saying “He who risks and fails can be forgiven. He who never risks and never fails is a failure in his whole being.”  Now that we’ve established that taking out a loan is an important part of taking a chance at opportunity, we’re going to look at a type of loans you can apply for. Since information is the best prevention on getting duped, you never want to just keep sending out loan applications with different lenders to see what sticks. After all, this may be your dreams we’re talking about here.                                                                                            Unsecured Small Business Loans                                                                                       On this article, we will discuss the benefits of unsecured small business loans.                 For starters, this type of loan wouldn’t require you to offer any collateral to the lender. A collateral could be a mortgage, a car or anything of value that would secure payment and limit the risk on the lender’s end. Although, they may still ask you for proofs that shows you’ll be able on time with the payments (proof of income, bank accounts and credit score).                                                                                                                                 You can be approved for amounts anything in between $5,000 to more than $500,000 with unsecured small business loans. It depends on how well you’ve planned your business, its size and your credit rating. Another thing is that you may also be granted access to a revolving line of unsecured credit if the lender chooses to approve you of your loan that way.                                                                                                                                      We all know how important cash flow is for the continuity of business. Getting an unsecured small business loan is usually faster and easier than the secured one, which makes it perfect as solution for uncertainties in business. Because although secured loans may have lower interests, it often is too late anyways by the time it is approved. You might have lost your business by then.                                                                                  Author Bio:                                                                                                                           John Lewis is marketing lead at mybusinessloans.com.au. My business loans is specialized professional lending company, provide business loans, small business finance. We offer different types of business loans and help people who are self-employed or small business owners.