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25 WAYS TO ACQUIRE PROPERTY WITH NO MONEY DOWN

Buying Real Estate with no money is almost too simple to be true. In this guide we have 25 ways of acquiring property with no money down. Guide comes with full reprint rights.

PRICE $3 US + $2 postage

25 HANDYMAN HELPERS

25 ideas for making or saving money around the home.

Price $2 US + $2 postage

ATM TRANSACTIONS

“How to Use Any Bank Owned ATM to Build Wealth.” Learn how to build a nest egg every time you use your ATM.

Price $3 US + $2 postage

MONEYMAKING OPPORTUNITIES FOR WOMEN

An excellent collection of 176 easy business ideas for women that can be started with little training or investment. All these ideas are capable of producing additional income.

Price $3 US + $2 postage

HOW TO START & SUCCESSFULLY OPERATE A CORRESPONDENCE CLUB

All over the world there are lonely men and women eagerly seeking introductions to other people-for friendship, companionship, even marriage. This guide will explain how you can help these people and make a very good income for yourself as well with a correspondence club.

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99 TIPS FOR A SUICCESSFUL DIRECT MAIL BUSINESS

Concise tips for getting the best resoponse to your mail order mailings.

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A New Twist to a Proven Way of Making Big Money Placing tiny Classified Ads.

You have something to sell. They have something to buy. This is a new twist on a proven way of making money from classified ads.

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The Perfect Product

Without it you won’t make a dime in mail order. With it, your mail box will overflow with orders! Rush $5 today and I will share with you what “The Perfect Product” is and how you can use it to make money in mail order.

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People interested in any of the offers email me at robertstewart400@hotmail.com

Kiwisaver for retirees (New Zealand only)

65 is the age of eligibility for New Zealand Super, the name given to the pension paid to New Zealanders. You also are able to access funds in your kiwisaver account at this age provided that you have been in kiwisaver for at least 5 years. For example, if you joined kiwisaver at 61, you will not be able to withdraw money from your kiwisaver account until you are 66. However if you became a member of kiwisaver say two years prior to reaching 65 and during that 2 years transferred money from another retirement fund into your kiwisaver account then the 5 year rule applies from the time you joined the other superannuation scheme. It is unclear whether this applies when you transfer money from an overseas retirement fund into your kiwisaver account.You are able to withdraw the whole lot from your kiwisaver account or just as you need it. If you withdraw the lot then your kiwisaver account will be closed and you will not be able to rejoin. Kiwisaver is such a great savings tool that it is worth keeping it open after your retirement.

If you continue working past 65 and remain in kiwisaver, you will not be eligible for the government tax credits ($520 max per annum) and your employer is not obliged to contribute to your kiwisaver account. You need to talk with your employer about making the employee deductions into your kiwisaver account though. There are three options, 2%, 4%, or 8% of your gross income.

there is a large number of retirees in New Zealand who were not born in New Zealand. many will be eligible for New Zealand Super. It will pay to check the eligibility criteria. there will be a number of retirees who were born in New Zealand but worked overseas for a time and have money in some kind iof superannuation scheme which that country has. It may well pay to have that money transferred to your kiwisaver account prior to retiring because if you receive money weekly from that superannuation fund then WINZ will deduct that amount from the amount you receive as your NZ Super.

This post is not intended as financial advice. It is advisable to contact your financial advisor if you have any questions regarding kiwisaver.

www.robertastewart.com

fixed term investments and finance companies

Written by Robert A. Stewart

Finance companies offer higher interest rates to their lender’s only because they charge higher interest to their borrower’s than the high street banks will do. This is because the customer’s of finance companies are usually those that the banks will not lend to because they are deemed to be at a higher risk of defaulting on their loans. These are the people that borrow for consumable goods that lose value and in almost all cases, the liability (the amount owing) is more than the value of the goods acquired. This is particularly so for motor vehicles and house hold appliances. Some of these companies will lend to property developers and this does not mean that since they finance company has an asset such as property to fall back on if the borrower defaults on the loan because there are cases where the property developer has gone into liquidation bring the finance company down with it.

During the Global Financial Crisis of 2008, many finance companies collapsed losing their investors millions of dollars out of pocket. The sad part is that many retired folk or those approaching retirement age lose their entire life savings after investing everything they had into the one company. These people broke of the most important rules of investing in that the placed all of their financial eggs in the one basket. I don’t know if any of them received financial advice or not but at the end of the day it is the responsibility of each individual to be a steward of their own resources and to educate themselves on financial matters.

So what are the main rules of investing with finance companies?

1.Do your homework first! This involves do an internet research, reading the financial section of the newspapers, and obtain their prospectus by writing, phoning, or emailing them for details.

2.Diversify, that means don’t put all of your money in one basket but spread your investments around several companies.

3.Invest in the larger companies because they will less likely to be affected by one major lender defaulting on their loan

4.Invest in companies that have stood the test of time and have been around the longest because they will have systems in place to deal with economic down turns as a result of being experienced in dealing with recessions.

Investing in finance companies can give you a good return on your money if you play your cards right but they should only feature as a minor part of your financial oportfolio and not all of it as the higher interest, as enticing as they may be, do not always compensate for the level of risk being taken by investors because the finance companies are out to make money, not friends and will pay as little interest as they are able to in order to temp investors but at the same time charge as much interest to their borrower’s in order to make a decent profit.

If you enjoyed this article, why not share it with others. You have permission to reprint and resell this article.

www.robertastewart.com

The advantages of saving

Having savings will make life easier later on down the road. Just think about these benefits of saving money that people who are spendaholics cannot take advantage of.

1.You are able to invest the money and grow your wealth. There are ample opportunities to invest your money and make it grow and if you are able to save your money, you can take advantage of these.

2.When you save up for something instead of using your credit card then yo save on interest repayments. People who buy stuff on credit are paying more than if they have paid in cash. During a person’s lifetime, this interest adds up to a fortune.

3.Having savings behind you gives you more options. If you spend everything you make then when the time comes that you may lose your job, you are inhibited by your lacks of resources. People with savings behind them are able to move to another city in order to find work.

4.When an emergency arises such as dental repairs, car break down, family occasion such as a wedding or funeral, you are in a better position to deal with it if finance is not a problem.

Saving money requires self-discipline and responsibility for your own finances and with a bit of planning and organization you can make life easier for yourself to cope with the financial hits that will occur from time to time.

www.robertastewart.com

Discover how you can make delicious home made wine.

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Continue reading “23 SCAM FREE WAYS TO MAKE MONEY ONLINE”

Taking a long term view to your investments

Taking a long term view of your investments means not panicking if the markets are done a bit because if  you hang in there, you are able to take advantage of the swings and roundabouts in the markets. If you were investing directly into the sharemarket and have invested all your money in one stock then you have placed all your eggs in the one basket, and the odds are that you may lose the lot if the company which you have trusted with your savings goes bust.

The beauty of kiwisaver is that all the investments of everyone who is part of of New Zealand’s retirement scheme is  combined and invested in a wide range of companies. This minimizes the risk of losses should there be a market crash but there is nothing one can do about it therefore it is best not to be concerned about something that is out of your hands.

When you are a young 20 or 30 something investor, you have more time to recover from a market crash than someone in their 50s or 60s. Some financial advisors would advise those approaching retirement to take a more conservative approach to investing because taking a financial hit late in life could affect one’s retirement plans.

The markets are driven by fear and greed. When the markets are going down many people sell for fear of losing their money. What these people fail to realize is that the markets can go up as well and very often the sellers are missing out on the gains which would have been available if they just hung in there. If they are so worried about losing their money in the markets then it is not a place that they should be investing there money in.

The astute investor can take advantage of the lull in the market for when the market is down, it is time to buy and let time be your friend.

Having said all of this, you have to have some kind of goal for your savings. Are you saving for a house deposit, retirement, overseas trip, to finance a business? Establish the “Why” and you will end up with some kind of goal for your savings.

This post is the opinion of the writer and is not intended as financial advice. If you are unsure of where to invest your savings, seek independent financial advice.

www.robertastewart.com

I will be off the internet until Tuesday so if you have ordered any ebooks, I will not be able to send them to you until then. Sorry for the delay.

Bob

If its too good to be true-It almost certainly is

We have hard these words so often by those warning us to beware of scammers yet so often we hear of intelligent people being scammed of thousands of dollars and in extreme cases tens of thousands. Commonsense seems to go out the window when intelligent people get taken in by these rat bags. In a recent case, a New Zealand man in his late 50s whose job title was a cleaner aoppeared in the Christchurch District Court for his part in a ponzi type of scam where over $8 million was invested by 900 people in a fake foreign exchange scheme.

Many invester’s felt that everything was above board because the company involved weas registered on the Financial Service Provider’s Register however the cleaner was charged with obtaining registration as a financial service provider by deception.

A tradesman who had lost everything he put into the scheme commented that the investment appeared too good to be true and that he was afrauid of missing out on such an investment opportunity. A friend of the tradesman who had got him into the scheme later told him it was a scam but only after they had both lost the money they invested in it.

What happened to the money is a commonly asked question in similar scams and in this situation, none of it went into any legitimate forex trading platform or other invstment as had been promised by the company. Instead the defendant used part of the money as a deposit on a $3.5 million Christchurch property and $111,000 on a BMW.

I think there is a clear lesson here. Good money manager’s live a modest lifestyle and would you take financial advice from someone who drives a flash car? It hard to believe that people like this are able to relate to those who managed to save and invest money from their modest incomes. At the end of the day it is up to everyone to take responsibility for their own finances and use their commonsense, something that tends to go out the window when people are enticed into money making schemes promising easy riches.

Feel free to share and print to post.

www.robertastewart.com