By Ulli G. Niemann
Homeowner LoansAnother bill has just landed through the letterbox and your still haven`t paid the monthly direct debt to the utility firm. You`ll have to sort out funds for your credit cards next week and then there are the catalogue payments to make. It`s the same story each and every month where you struggle to keep on top of your regular payments. Having taken out dribs and drabs of loads over the last few years you now have to pay a number of companies back. What if you could amalgamate all of your loans into one fixed monthly payment? Suppose you could reduce the amount that you pay each month by spreading the payments over a longer period of time. Look into the various
Homeowner Loansthat are available at the moment and you could end up paying less in repayments each and every month. Price comparison sites are the places to look if you want one of the
Homeowner Loans. They`ll scour the marketplace searching for
Homeowner Loansthat will suit your individual needs. Combine all of your debts into one slightly larger loan amount and you should have more money each month that can be put away for a rainy day.
Article02.htmlMany people in the UK, in fact as many as one in three UK taxpayers have paid too much tax!
Greer & Taylor LLP a respected and trusted accountancy service provider has just launched a new website
The Taxation People which can be found at www.thetaxationpeople.com the new online tax refund service is dedicated to getting the maximum legal tax refunds for indviduals whatever the circumstances on a `No Win No Fee` basis
The Taxation People offer a online service, with a simple and easy to follow process that will guide you along the way as you get the refund you are entitled to. In the `my account` section of their site you can track the progress of your refund application and ask questions using a secure service.
I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the
The Taxation People who will get you the Tax Refund you are entitled to.
Greer & Taylor LLP will be following up the success of their Tax Refund service
The Taxation People by launching a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.
How do you make your investment decisions and where do you get your information? If you`re like most of the people I know, you look to the experts.
That`s fine, however it`s important to be aware that for every expert, there`s an opinion and for every opinion there`s an expert. I have a friend who says that opinions are like noses: everyone has one but you wouldn`t live in anyone else`s nose!
Around the first of the year, along with the New Year`s resolutions, come the New Year predictions for what will be hot and what will not. As if that isn`t enough to produce a massive case of information indigestion, now we have the cable financial shows with pretty much the opinion of the hour.
What this is producing is a frenzy of buy and sell activity for stocks in general, and now for mutual funds as well. I don`t think this approach serves either the investors in particular or the funds in general.
The big problem with this for mutual fund investors is that all the experts are recommending different funds. It might be one thing if experts had a solid basis for their perspective. If they did, then you would think their recommendations would line up and they`d all be touting the same thing.
But they don`t and they aren`t. Oh sure, each one of them can make a good case for their pick. But so can the next "expert." And usually both of them won`t be right (if either of them is). So, where`s the value in this for you? Beats me.
Another problem with this approach is that many experts recommend different funds at different times, and, in an effort to be in the hot fund, investors keep moving from fund to fund.
In the same breath, the experts are telling us to invest for the long term. Well, I can`t figure out how to do both: be in the latest hot fund, and hold what I`ve got for the long haul.
The downside of all of this for the funds is that sometimes a fund touted as the hot one to be in attracts so much investment attention (i.e., money) that it grows beyond its original intention. At that point, it loses its direction and the very thing that made it strong is sacrificed. And guess what happens to the performance?
So, in the midst of all the hawking and hype for this fund or that, what`s an investor to do to make intelligent choices?
For myself and my clients I use a trend tracking methodology, which identifies long-term trends in various markets. I research funds for stability and reliability as well as current performance. Then, when our trend indicator signals a Buy, we select our mutual funds based on momentum figures for various time periods to arrive at the most promising fund(s) to use for this cycle.
This gives us a head start and sometimes, weeks after we`ve bought a fund, I see it written up in financial papers as being one of the best performers.
Does this approach always put us in the number one fund? Maybe not. But we are almost always in funds that are doing very, very well. And do we get in at the bottom and out at the very top? Again, maybe not.
However, I can tell you that, using this methodology, my clients and I followed the sell signal we got in October, 2000, and were safely invested in solid money markets when the stock market crashed and burned.
Is this approach for you? It depends on how much adrenaline rush you like when you watch your investments. Personally, I fulfill my thrill quotient with other things in life and enjoy sleeping at night when it comes to my investments.
