Investing Is A Challenge And Managed Money Might Be The Answer By BlackHorse Management

By Robert Miller

September 4, 2009, Los Angeles CA " When investors are looking to preserve their assets and grow their portfolios, they have plenty of choices: Do they invest in stocks? If so, which ones? And when do they buy and when do they sell? Do they invest in bonds? If so, which ones? What about mutual funds, futures, or forex? All of these are potential. But choice is not the problem.

Instead, what investors are looking for is for someone who will do the work for them. It's not because they are lazy or disengaged from their own portfolios. It's actually because they can't possibly follow all of the choices while keeping up with their busy lives.

"Investors love the idea of managed money" says BlackHorse Management. "Investors are looking for someone else to watch the markets because the simply don't have the time or experience to do so in a profitable way. That's why BlackHorse is quickly becoming the company of choice for investors with a specific investing goal but no time to trade themselves.

BlackHorse manages investors' money within the forex market. They use their experience in foreign currency to grow their clients' investments.

It works like this: An investor opens an account at one of several international banks with which BlackHorse has a partnership. The investor gives BlackHorse a special limited trading agreement to trade the money in their account and deposit the returns.

This foreign currency market " called "the forex market" " is the largest market in the world where expert traders buy and sell trillions of dollars of currency each day. It is also the most liquid market. And, aside from being a huge market, it's also a 24 hour market so investors need someone to watch it for them because they can't devote that much time to it.

BlackHorse follows very specific currencies in the foreign exchange market, specializing in these currencies and applying a secret algorithm to their trades. This algorithm has been tweaked and modified over the years to maximize success while minimizing risk. The result has been dramatic with substantial historical earnings.

The algorithm follows the trends and alerts traders who are the ones that go in and do the actual trading. This combines the advanced trending technology of the algorithm with the intuition that only a human trader with years of experience can bring. - 23199

About the Author:

For media inquiries or general questions, please send correspondence to the BlackHorse Management Team at info@blackhorsefund.com.

The Bill Collector Letter That Finally Gets Rid of Them

By Sean Payne

Do you remember the feeling you get when a letter from a bill collector shows up in the mail? The queasy feeling you get in your guts when you're told that you owe money that you are unable to repay? And later on, when the phone calls and letters hound you for money that you don't have?

Now is the time to turn the tables on those debt-collecting predators. It's time to know your rights and to use them.

A Federal law known as the Fair Debt Collection Practices Act (also known as the FDCPA) tells you exactly what a debt collector can and can't do to collect a debt from you. The FDCPA puts hard limits on exactly how a debt collector can contact you.

One example is that a debt collector can't call you at work, unless it's to find out a telephone number they can use to call you at home. They also can't inform other people, especially your employer, about any outstanding debts that you have.

Additionally, collection agents cannot call you or contact you in any other way if you inform them that they may no longer do so. That's all we're going to learn how to do.

The magic debt collector letter consists of two parts:

The first is your identifying information. This consists of your name, your address, any debt account numbers for the debt that they're trying to collect, and any other info they may need to positively identify you as the debt account holder.

The second part is to let them know that you want them to stop communicating with you, period.

These two things are all that the FDCPA requires that you do to keep the debt collector from harassing you or contacting you in the future. The only correspondence that the debt collector can send you in the future is a letter that says they will cease contacting you, and whether they're going to pursue any legal action to collect on the debt.

When you send this letter, it's always good to send it by certified mail with a delivery receipt requested. The delivery receipt lets you know that the debt collector actually received the letter. Make sure that you keep this receipt in case you ever have to prove that they received the letter.

By the rules of the FDCPA, if the debt collector contacts you anytime after they get the letter, they're in violation of the law, and you have the right to report them to the FTC. The FTC is the Federal Trade Commission, and is the agency that enforces the Fair Debt Collection Practices Act. After you've notified the FTC about the collector's violation of the FDCPA, they can take legal action against the bill collector.

Keep in mind that even after you let the debt collector know about your desire not to be contacted, they still can pursue legal action against you to collect on the debt. This handy letter can only protect you from being harassed by debt collectors. It can't keep you from being sued by the debt collectors if they still want to collect on the debt. - 23199

About the Author:

Sean Payne can teach you plenty about how to get out of debt. After more than a decade of learning about how to get out of debt, he has developed a powerful strategy to stop bill collectors calling. You can discover his secrets for getting out of debt at his amazing website.

Stocks and Precious Metals Trading

By Adela Thomas

As a stock trader, you should ask, is the trader in you? if you like stocks and bonds and the exciting life of a financial trader, then it very well may be. The first thing to test this hypothesis out is the stock market. This is an area where you can see if you have what it takes to make it in the crazy fast world of high finance. The typical image of the floor of the Mercantile Exchange being filled with a bunch of guys that couldn't land jobs anywhere else is very outdated and sad. Instead stock traders are increasingly becoming some of the most sophisticated investors on earth. The ability to pick a winner in the stock market is what it all boils down to.

You can try trading for free using what's known as a paper money account. Of course when we think of money we think of the actual paper, but in this case paper money refers to fake money. There are paper accounts on numerous web sites on the internet. Most stock brokerage firms will have paper trading accounts, and there are many virtual stock market games and simulations around the net as well.

You can trade for stocks, but another market many people like to look into is the commodity market. Commodities consist of oils, metals, grains, and raw material and generally assets that are consumable.

The gold and silver game, precious metals and currency go hand in hand like peanut butter and jelly goes on a sandwich. The reason that precious metals are well, very precious to the human race is that we believe that they are rare and unique. This is true to a degree, however one should think about the supply and demand factors first and foremost. If diamonds and gold were easily excavated and mined and everyone could just dig into the soil of the earth and pull out tons of it, then would it be so valuable? Most likely it would not be.

One area that also gets a whole lot of attention is that of precious metals. Precious metals have always been a small piece of the industrial machine but mostly are used as an inflation hedge and as an asset backed alternative currency as more and more of the fiat currencies look long term bankrupt. When everyone thinks of precious metals they first think of gold. Gold has always been the standard by which most of the worlds economies are pinned to. The shiny piece of coin that moves worlds markets and commands a tidy sum. - 23199

About the Author:

Adela writes about many topics related to businesses and financing. He teaches about various things including business, finance, and money market accounts.. You can also learn more from him about how to make money online

Important Penny Stock Info

By Rashel Dan

Penny shares work like an auction. It starts with an asking price set at the lowest value and then when the bidding starts, the price rises. If you're the seller, you check your starting price and compare it with the current bid. If your selling price is met, you trade and then the transaction is closed. The difference with an auction is that the price doesn't go down. Stock prices do. Today there a number of techniques being developed to monitor your penny stock info and bidding.

Researching - Any active stock investor would tell you that you have to do your own research. While penny stock advisors and brokerage firms help in facilitating your sale, it is always helpful to have your penny stock info ready when needed. The more you know, the better your opportunity to gain profit. The more you understand the trade, the lesser your chances of falling into the pit.

Because of the availability of free information in the internet though, it can be a bit difficult to make decisions. Especially if you are new to the business, experience is your better half. Be attentive and be very alert about fabricated information. This is a trading business and it involves money. You have to be able to know which penny stock info is reliable for your use.

There are softwares that are being developed to help small cap investors and stock brokers monitor the stocks. The moment your stocks are pegged, it can be a roller coaster ride. Thus you need to stay close to the facts and observe your investment in the penny stock market. Here are some tips and information about how the transactions are made:

- Buying Penny Stocks - Set your funds ready and be sure you'll be able to pay the shares and your stock broker's commission.

- Symbols - These are initials or abbreviations of companies that are selling their shares to the public stock exchange. This is standardized for easy management, inventory, and recall.

- Stock Exchange - The more dependable stocks are being traded in major stock exchange. Examples are NASDAQ, NYSE, and AMEX.

- Volume of Shares - Of course, you must be clear on your penny stock info sheets how much of the shares you want to buy or sell. But beware and don't fall into extra commissions being charged to you.

- Opening and Closing Dates. These are dates that you set your stock to be available for sale. This must also include active dates (dates when your shares are still open for bid) and the date when you hope to close your stocks.

- Selling Penny Stocks - It is important to take note of the above mentioned - the volume of shares to sell, ticker symbol, names of the stock and the stock exchange.

- The Share Price and the Dates - Again it is important not to miss out the selling price and the time span to which your stocks are active and open for bidding.

Of course, there's more. But this article doesn't intend to give you any penny stock info overload. Too much technical knowledge may not be a good practice. Take this investment carefully. Your penny stocks are good money and therefore delicate. Make haste slowly. - 23199

About the Author:

Start your business in penny stock trading. Find reliable penny stock pick online.

9 Cheap and Easy Ideas for Improving Your Rental Property

By Dave Peniuk

Many look at a house and say "it just needs a little work" or "the bones are good." We happen to own one of these homes in Nanaimo, BC and our current tenants are moving out. We have to decide whether to sell the property or look for a new tenant. We asked our realtor to take a walk through of the property; that's when we heard "it just needs a little work." I decided to let my mom take a look and give me an idea on some inexpensive changes we could make to the property. My mom, who's a great visionary, suggested some cosmetic work in the kitchen to spruce up the look of the place. Before it was over, mom had volunteered my dad's services to help me paint, change cupboard hardware and remove the sunshine ceiling in the kitchen.

When the weekend came I was up early ready to board a BC ferry headed for Nanaimo. My Dad and I were ready to invest some "sweat equity" and hopefully increase the value of the property without much monetary investment. It took us one day and few hundred dollars in materials to complete the job. When we were done, I was surprised at how much better the property looked. The best part was that it didn't cost me very much!

Over the years my wife and I have purchased several properties as investments. Our goal is not to flip them; instead we fix them up to rent them out. We want to keep our properties in the best possible condition in order to attract top quality tenants. When I say top quality, I mean those who can afford to pay on time every month and won't tear up our property. Our hope was that making these small changes in the kitchen would yield us higher rents from reliable tenants.

Take a look at the suggestions below for how to make low cost changes to your property which will make a huge impact:

1. Simple yard maintenance like mowing the lawn, pulling out the weeds, raking the leaves

2. Power wash the exterior of the home

3. Instead of painting the entire house, touch up window trims instead to freshen look

4. Inside of the house, change the hardware to update cabinets and cupboards

5. Fill holes in the walls

6. Painting the interiors is also a good idea, just be sure to use colors with mass appeal

7. Re-glazing tiles and tubs or painting the counter tops can be a great low cost option to help give bathrooms an updated look

8. Change out-of-date looking light fixtures in favor of versions which reflect current styles

9. Clean the place thoroughly! A good cleaning is a great way to freshen up the look (and smell) of a property.

Most of these simple property improvements cost very little and don't require you to be a skilled tradesman. It will just take a bit of time and "sweat equity" investment on your part " but it will pay off with better tenants and higher rents! - 23199

About the Author:

Making easy and cheap property improvements is just one way to make more money with real estate. Learn How to Retire with Real Estate with Dave's free Real Estate Investing Starter Tips Guide and real estate investing newsletter.