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Insurance Company Investment Portfolio Funds

Every insurance company advertises its life cover and the benefits they offer their clients. They tell you that their services, term life and whole life insurance have unique properties that you should buy into. I bet that everyone has heard something about life insurances, either whole or term insurances and many people are thinking about their future and their loved ones that may have bought one. However, there is another product on the market: universal life insurance, product that has many advantages over other investment options. This type of policy has witnessed an increased popularity in the last years and more and more people are beginning to think about their financial future. A universal insurance policy represents a personal portfolio that offers you a certain degree of financial security. It differs from other insurances as it offers clients a longer list of possibilities and facilities. Later in this article we will discuss the insurance company investment portfolio and what that involves.

A universal policy is based around a life insurance, and its core is a life insurance with everything it represents. According to what type of cover you choose, a universal life cover policy may contain whole , term or mortgage insurance insurance. It also contains an investment option (it includes a series of funds that you can use for emergencies or retirement). A universal life policy also contains a health insurance that covers both general health and critical illnesses. You can discuss with your broker to include other facilities as well, such as a disability and accidental death cover for you or other members of your family.

You can change the terms of your universal insurance scheme during its existence according to your financial situation at that time. Either you can expand its coverage on other aspects that you have left out when you had signed for it or you can resize its limits downward. A universal life insurance offers unique adaptability and flexibility to offer you the best insurance scheme for your requirements. If you want your family members to benefit from the advantages it offers, you can expand its coverage to them as well. You can choose a more expensive or a cheaper scheme whenever you want and you can even stop paying the fees for a certain amount of time if you have difficulties for a short while.

The investment company owning the universal insurance company investment portfolio will invest its funds in several financial instruments: bonds, stocks, real estate as well as other secure options. Managing the investment portfolio is complex and it is the job of the investment portfolio management to help reduce the risks and to maximize the profit. A long-term investment portfolio is managed differently from a short-term portfolio and these insurance company portfolios are usually managed through periods, having in mind a clear financial objective and the necessity to reduce risks. There are many cases in which commercial banks manage investment portfolios and they employ financial specialists and financial advisors to achieve their goals.

Internet Based Home Businesses – So Many Options, So Few Choices

Every day, thousands of people sit down at their personal computer with one objective: to research the internet for a business they can operate out of their home. It should come as no surprise to anyone doing a general “home based business” keyword search on their favorite search engine results in a multitude of options to choose from. However, upon closer examination it becomes apparent that many of the results are ridiculous scams that nobody in their right mind would purchase and completely lack any proof of credibility. While the internet is flooded with home based business opportunities, it is virtually void of any that offer a genuine and honest system that is not a high risk venture.

This sentiment was echoed in a recent discussion with my neighbor. She informed me that she had been scouring the internet for several days trying to find any business that offered a shred of legitimacy and credibility. Discouraged and disappointed, she resigned herself to the thought that nothing existed. I would like to share with you the insight that I provided her.

Solid home based businesses do exist but they are difficult to find. You would think that the authentic home based businesses would rise to the top of the internet keyword searches. Oddly enough, they do not. They remain repressed, buried, and difficult to find. The obvious question that arises from this statement is, why are these business opportunities so hard to find? The reason is simple, the companies that offer the business have very stringent rules and regulations that limit what retailers are able to claim about the company, its products, and income potential.

On the surface, this sounds like a ridiculous position for a company to take. But, contrary to your immediate reaction this is a very good thing! It protects the credibility and legitimacy of the company and products. It keeps intact the very thing you are searching for in a home based business opportunity.

The following five guidelines will provide you a checklist that will help you find what you are looking for in a home based business.

1) Is there already an overwhelming market presence of the business opportunity you are going to invest in? Just like buying stock, you want to get into the business when it is fresh to the market and its market presence is not saturated. There are many great business opportunities out there that have reached their saturation point. Although it is a great company with a great product, you immediately face hundreds if not thousands of people selling the same product with the same message as you. Good luck!

2) Does the business and the individual presenting the business to you have credibility? Don’t confuse a great sales message or numerous testimonials with credibility! Are they pitching hope to you when you are in a difficult situation or are they clearly communicating a credible and genuine message? If you cannot tell the difference, then your conscience is telling you to keep looking.

3) Does the business you will be buying into have a real product? This is a monumental question! Is this product or idea something that has inherent value and people will want to buy it? Keep in mind, a product is much easier to sell than an idea or concept. Trying to sell hope of someday becoming rich is far more difficult to sell than a product that will immediately impact an individuals health, wellness, or personal and financial well being.

4) Are people currently in the business making an adequate income? Do not accept a “print out” of someone’s bank statement with any and all validation data blurred out. How are you supposed to know if that income is from their home based business or a different job? Insist on documentation from the company itself stating the average income of all independent business owners. If someone is unwilling to produce this documentation, they just failed guideline #2. Keep shopping.

5) Lastly, does the company and individual you will be doing business with offer initial and ongoing training? Operating an online home based business is difficult and most people fail. What support systems are in place to give you the help you need to be successful?

As previously stated, finding the right home based business is difficult. Utilize the five guidelines that I have provided you to make sure the online home based business you begin is successful today, tomorrow, and for years to come.

Why Invest in Wine?

Investing in wines is one of those buzz worthy, plastered over the news stories that makes everybody want to instantly become a wine investor. While being a wine investor may sound fun and luxurious, it is not for everybody and does require some hard work, planning, executing, patience and trial and error. So, as a potential wine investor, why should you invest in wine?

A wine investor will find that there are many benefits in investing in wine. Some of these benefits include:

o Less volatility than the stock market. While any particular investment wine can go up or down in value, fine wines are generally improving assets, which means they are worth more as time goes on.

o There is more demand than supply. This factors in to why an investment wine will be worth more as times goes on. As a wine investor, you will find that only the best of wines will be worth your time. These wines are generally rare and have a limited production or vintage. This makes the demand high to begin with, with a low and fixed supply. Within that fixed supply, as time goes on people will be drinking those wines making an even smaller supply, and driving demand up even farther. In turn, prices will go up. As you can see, patience is a crucial element as a wine investor, as a great label and vintage will only improve as time goes on.

o Wine investing is not tied to the stock market. That means if the stock market crashes or is in a downward period, your wine investment will not necessarily be losing money. Investing in wines is separate from the stock market and is a great way to diversify your holdings.

o You can have a great time and improve your knowledge. A prospective wine investor is typically somebody who has an interest in fine wines and loves drinking wines as well. As you begin exploring wine investments, you will find that you learn more about wine varietals around the globe, the best labels and vintages and more. This will turn you from a part-time wine hobbyist to a full fledged wine expert.

o Wines are typically considered a wasting asset. That means that the profits you earn from being a wine investor may be tax free depending on where you live and what regulations there are.

o You’ve surely heard the phrase: you reap what you sow. But the wine investor will be more familiar with the phrase: you drink what you invest! As a wine investor you may only be interested in making a profit on aging fine wines. However, you may also be making an investment in wines you will plan on drinking in the future. You can wait until they mature and age and enjoy them yourself. Or if the value does not increase significantly you can just drink the wines yourself. You can’t do that with stocks or bonds, can you? :)

Wine will definitely increase in its value so you don’t worry about drinking the wine in the end.