BLACKSQUARE

Alongside with the development of private property ownership, realty became on of the most developed areas of business. Dealing with real estate business needs quite significant investment. As each part of land has some unique characteristics, so that’s why industry of real estate has grown into several certain fields. Specialists divide real estate into the businesses:

- Real Estate Marketing - Sales of the property business
- Real Estate Investing - Investments in real estate
- Development - Improving land for use by adding or replacing buildings
- Property management - Managing a property for its owner(s)
- Appraisal - Professional valuation services
- Brokerages - Assisting buyers and sellers in transactions
- Relocation services - Relocating people or business to a different country

Dealing with real estate business requires a lot of information. You have to be aware about any latest news on the market. The Daily Property Investment is the special media that will help you to know about any event happening on the market. You will now about all the tendencies and flows on the market. Hundreds of articles will give you answers on the questions you have. You can find different categories such as real estate prices, selling real estate, single family, real estate market, median sale price, housing market, home appraiser, louisiana market, national association of realtors, investment scheme, investment outlay, financial investments, estate projects. You can find any information you need about real estate here.

Today the distributive pension system is acting, i.e. insurance fees, paid by working citizens, are distributed for pensions. But the amount of retirees is growing and the amount of working citizens is falling, that’s why working population can’t provide the deserved pension. For this reason it was decided to reform retirement system, to pass from distributive system to accumulating one, i.e. insurance fees are accumulated at individual personal account of assured person and based on the accumulated sum he is granted a pension according to the law. But it isn’t possible to pass immediately from distributive system to accumulating one, that’s why there is a persons’ category that has accumulative part of the future labor pension forming from 2002.

Future pension includes three parts: basic, insurance and accumulative. Basic part is established in fast size and is guaranteed by the State, insurance part is formed at the expense of fees paid for insurance pension part, the accumulative one is formed at the expense of fees paid for accumulative part.

By the moment of the retirement fees paid for insurance part are used for pension payment, and the accumulative part funds that are on the personal account of every assured person are invested, i.e. assured persons can place retirement savings through management company or non- governmental retirement fund.

The State accounts for the pension’s accumulative part safety. It is responsible for creating of the conditions at the accumulative funds market, that exclude non-purpose usage of these funds, and for selection and access of only reliable and responsible management companies to this market. The State also accounts for organization of legality control and validity of management companies’ actions with future retirees assets.

However the State doesn’t account for risks connected with market course ripplings. These risks lay on the assured person who made independent dicision about the choice of management company.

The exception are only those who declined from management company selecting trusting this choice to the State. In this case the State invests citizens’ savings into reliable assets that will have relatively small yield.

This lower yield must become stimulus for people not to move the decision to the State but to decide themselves whom to intrust their funds.

In response to the requirement of small investors in diversification of their investments the financial establishments created different mutual funds in which any stockholder owns small part of large well diversified investing portfolio. Mutual funds of money market offer investors the diversified investments into “commercial documents”, deposit certificates and paymaster’s bills. Bond funds invest investors’ money into different debt securities, one of which possesses high reliability level, others differ by heightened risk. Mutual funds specialize at stocks investing, own share holding including both conservative “blue dibs” and high risk stocks of “growth enterprises”. Investing funds that prefer working with real estate acquire mortgages or real estate itself.

Mutual funds issue stocks and sell them directly to investors often collecting rather essential rate, and also on request buy stocks from investors for full amount calculated as a share of the presented assets’ market cost. With this many of the mutual funds called “funds without duty” don’t collect the initial commission from investors. Investing funds known as “closed” investing companies don’t sell their stock directly to investors and don’t but them. Such funds’ stocks may be bought and sold at stock exchanges. The ownership of such stocks brings the small investors the essential advantages. The main part of dividends paid for them can be considered as realized capital growth and be imposed by taxes for much lower rate; besides in many cases automatic dividends reinvesting is allowed without brokers’ commission attention or payment for service. At last, these mutual funds’ stocks often are sold with a rebate calculated as a share of the company’s investing portfolio combined cost.

Gold bullion purchase is a widespread investing method that has differences only depending on legislation. In the USA bullion and coins are allowed to be acquired through large banks and broker companies, and also through specialized “gold” dillers. Investor selects buying method, gold storing and bullion size himself. One of few minuses – it is not simple to invest small amounts into metal. The majority of banks that realize operations with gold bullion don’t make bargains in volume of more than 1000 ounce (more than 25 kg).

At bargains on term and options for gold falls the main volume of terminal contracts trade that have precious metal as the basic asset. These tools are used mostly by gold manufacturers in an efforts to be protected from risks of unfavorable price changing and speculators who try to benefit by correctly guessed price dynamic at spot-market. Precious memorable or numismatic coins can also be considered as investing object. Their cost mostly depends not on precious metal amount in coin, but on rarity and quality of coining and historical value. Coins having collection value don’t go down in price at reduction of gold market cost are sold with higher (collection) rate in comparison with investing coins. Rare gold coins became very liquid assets – thousands of certified coins are sold at electronic numismatic exchange. They can be realized directly to the diller or at the opened auction. Professionally composed collection always has the prospects to grow in price.

The principle of monthly investing of fixed sum into precious metals lays at the heart of gold accumulating plan. Investor monthly invests the fixed sum during minimum one year. Funds are automatically copied from the account during month and directed to the gold purchase every trade day regardless of  current situation on market. Receipts with binding to gold are rendered by many banks that realize operations with precious metals. This method serves as a protection of the initial investment from loss risk with market gold price reduction and allows to benefit with metal cost growth.

Mutual funds are one of the most convenient types of paper investments into gold. They give the possibility to reduce the risk perculiar to purchase of separate company’s stocks purchase. No matter what method the investor used it is necessary to remember – the gold, the permanent velue, is resorted crisis situations when investments into traditional assets bring only disappointments and damages. Rapid but short-term raises at the gold market may be changed into stagnation periods. So, the inclusion of gold into the investing portfolio must occur with the purpose of protection for its stabilization during periods of high inflation and political and economic uncertainty but not with the purpose of capital growth.

American stock market has two main types of broker service. First one is traditional and the most well-known – so called full service brokerage. The meaning is that every client has personal broker – licensed financial consultant whose task is proper valuation of client’s financial performance, his investing goals and demads, sensitivity to risk and further development and realization of individual investing strategy that is the most appropriate to the specific customer. The second type that recently is acquiring more and more popularity is discount brokerage. Here the customer realizes what, wherе and in what amount should he buy and sell, and the broker’s mission comes only to providing the customer the maximum comfortable conditions for independent merket entry. Investing with the help of discount-brokers is also called online investing because mostly one of the main binding links of customer-broker-market chain in this case is Internet network. Today every seventh operation with stocks is made through Internet, for the first quarter 1999 online trade volume have grown by 30 percent. Investors are attracted bh the low service cost, free access to the market investigations and the convenience of working with online account.

So, one of the main online investing advantages is an essential funds economy in operations with securities. The economy is achieved first of all at the expense of the lower commission collected by the brokers company for operations fulfillment. Unlike the commission at the sum of $100-$175 that is collected by the traditional brokers companies, the amount of online brokers commissions varies from $8 for operation (Ameritrade and Suretrade) to $30 (Charles Schwab). Limit orders where the bargain execution cost is stated may cost by several dollars more. Besides the important factor is the amount of the minimal deposit on the broker’s account. Some online brokers companies, for example, DLJdirect and Suretrade, don’t require minimal deposit for account opening, at the same time the majority of online brokers require minimal deposit at the sum from $1000 to $2000 for the beginning of operation with account.

The second important advantage is the presence of twenty-four-hour online access of the customer to his account, that is updated every day (or even in the real time order). Thus you can know your portfolio exact cost any time. All account changes come at the end of the trade day according to the results of auction closing. In spite of that fact that request for sale or purchsse can be fulfilled only after exchange opening, and you can place it night and day. If the request is place after the closing it will be automatically enetered into the trade system to the moment of auction opening the next day. It is very important when you are in different time zones with New-York.

The majority of online brokers represent their users wide market investigation possibilities including reviews, quotations, diagrams and company’s news. Besides there are many sources that are specialized in such information (for example, CNET Investor, Yahoo Finance, MSN MoneyCentral Investor and CBS MarketWatch web sites). Thus the investor gets the access to the large amount of information necessary for decision making.

At last if you have online account you an effectively watch the market situation and your stocks behavior. Although you can get such information from the traditional broker by telephone, online account allows you to acquire quotation much faster and as often as it is necessary. Thus if you have to make an operation you can obtain the quotation of the stock you are interested in by the moment of request introduction that helps to valuate at what price it will be executed (in the case of the request of “buy for market cost” type).

Online investing may cause some apprehensions. Can somebody enter your account or use information you send without your knowledge? Don’t worry. Online investing is both safe and effective. There are several protection levels for providing the confidentiality of customers’ operations. Online broker companies’ sites offer three main protective methods: personal identification number (PIN) and account number, coding and authorization.

Without knowing the identification number and account number noboy can make operations with this account or see its contents. That’s why if you will keep all precautions your account wil be safe.

All instructions transmitted between you and broker are coded. It means that all information is passed in the form of incoherent symbol set, that’s why even if somebody will catch your information he won’t be able to read it.

And the last. Nobody, even you, won’t be able to give instructions to broker to transfer or send by mail money from your account to the account of the third party without your special written permission (authorization) sent by mail, at that the majority of brokers don’t transfer funds to the third parties’ account under no circumstances.