So, is there a safe place to put your money? Analysts say yes, but it’s important to learn a few facts first.

For instance, real estate has long been known as a secure, tangible investment because it generally appreciates over time. But most would-be investors are not real estate experts, and many of us don’t have enough money to fund the purchase of an investment property-let alone to fix up a run-down home. However, there is another strategy. It’s called cash flow investing and it allows people to benefit from secure and profitable real estate investments without buying or selling properties.

Put simply, a real estate cash flow note is a private mortgage created between two individuals instead of between a buyer and a bank. What many people don’t know is that one in 13 American homes is sold this way. Much like banks, which buy previously created mortgages, private individuals can buy cash flow notes to build returns of 20 percent or more. Here’s how it works:

Let’s say I sold a house for $100,000 and my buyer had $50,000 to use as a down payment. I can draw up a contract that takes $50,000 down and finances the remaining $50,000 over 30 years. I now have a cash flow note that generates monthly payments of $299.78 each month secured by real estate.

As a note holder, I have two options. I can take advantage of the monthly income and interest, or I can sell the note to another investor for instant cash. This is where you, as an investor, come in to make money. Let’s say you’re an investor with $35,000 to invest. I might not be willing to wait 30 years for my money, so I’ll sell you my $50,000 cash flow note for $35,000. Many investors find they can buy notes at great prices just because the original note holder wants to “cash out.” Now you’re receiving a steady monthly income of almost $300 and you’re in a position to make a 30 percent return on your investment-even before interest.

Best of all, unlike stocks and bonds, your cash flow note investment is secured by real estate-one of the most solid investments in the world.

In the North-East alone farm land sales prices have risen on the first quarter of the year at an average of £2,650 an acre to £2,125 an acre.

Demand for commercial farm land has increased in the first quarter of the current at a swift rate since the RICS began the land price survey back in 1999.

The farm land sale in North East of UK, particularly near Slough is reaching an upward growth. An important fact to note is that the buyers are not particularly farmers but individual investors and developers.

Land as a whole in UK is very difficult to own. In such a scenario one can find more available farm land for sale than any other types of land. This has resulted in people opting for more farm lands even if they do not intend to farm. One can find farm land in North East and particularly in Slough being traded at an enormous quantity be it in small plots or large plots.

A recent research report shows that in 2001 UK population grew by 236,800, in 2002 by a further 215,000, and growth from mid-2002 to mid-2003 was 232,100. The UK as a whole would need over seven million more houses over the next six decades – an increase of 28 per cent in the housing stock compared with 2006. This is equivalent to more than twice the number of houses in London in 2003 and 163 times the number in Slough.

With the ever increasing head count, the demand for space to dwell is increasing. Farm lands can provide a definitive answer to meet the growing requirements.

The commodity markets include wheat, corn, soybeans, pork-bellies, gold, silver, heating oil, lumber, and numerous other common trade items. The huge companies that operate in these markets use commodity “futures” contracts to lock in their selling prices for the product in advance of delivery. This practice is called “hedging.” On the other side of that transaction is the trader, who speculates on whether the priced of the commodity will go up or down before the contract is due for delivery. Because futures contracts may be purchased using leverage, these financial instruments lend themselves to speculation.

For example, control of a corn contract worth $5,000 may only requrie $500 of actual cash, or 10% of the face value of the contract. If the corn goes up in value, and the contract becomes worth, say, $5,500, the speculator has made $500 on his or her original $500, for a 100% return. Compare this with the regular stock market, which limits leverage to 50%, so that $5,000 worth of stock requires a minimum of $2,500 of capital. If the stock goes up to $5,500 in value, the $500 gain is against $2,500 invested, for a return of “only” 20%. The 100% return sure looks a lot better, right?

You can easily see why investors in search of quick gains are hypnotized by the lure of big profits using maximum leverage in commodity futures trading. The real problem, however, is that the leverage works in BOTH DIRECTIONS. You can lose your entire investment in a matter of minutes due to the wild price gyrations that sometimes occur in these volatile markets. Let’s say the $5,000 contract drops to $4,000 in value instead of increasing. You’ve not only lost the original $500 you put into the contract, but an additional $500. You can go broke quickly this way.

So why do people play this game? Average investors do not wake up in the morning and say to themselves, “Right, I think I’ll start trading commodities.” What happens is, they receive a sales pitch from a commodity trading “guru” claiming to have a “system” for generating sure-fire profits in these wild markets. These “systems” range in price from $25 all the way up to $5,000 or more, and are sold based on the promise of “huge profits” from a small starting investment.

Newsletter writers or commodity gurus regularly pitch the myth about turning $5,000 into a million bucks in less than a year. The typical commodity system pitch comes in a long sales letter or booklet that describes a method for winning on “9 out of 10″ trades or similar inflated claims.

Of course, if it was possible to correctly trade 90% of the time, a person could easily amass millions of dollars in a very short period of time. So why are these guys so eager for you to spend $195 on their super-duper trading course? Because they probably aren’t making any real money with their own trading program! There’s much safer money to be made selling others on the idea of getting into commodity futures trading.

There is no sure-fire way to consistently make money in these markets, simply because the underlying commodity prices can swing wildly back and forth depending on a complex set of variables, many of which are totally unpredictable. That’s why the only people consistently making money in the commodity markets are the brokers, who collect a commission for executing the trade regardless of whether it wins or loses.

There are also a handful of successful professional traders who make a living in these markets. But the vast majority of people who dabble in commodity futures lose money. Unfortunately, with the lure of huge returns and easy money, a fresh crop of innocent traders enters the market each year, only to be quickly fleeced out of their money.

Don’t be one of them! Leave commodity futures trading to the professionals and stick with the more boring forms of investment, such as mutual fund investing or stocks and bonds.

The is also the risk factor for the accounts. With futures and options you can get margin calls that can wipe you out. If you get caught in a bad trade not only do you lose the money in the account but you may have to come up with alot more from your pocket. It can be very risking.But not in Forex. Worst case senerio you could lose whats in you account. But you would have to do something really stupid. Like making a big trade on a Fundamental day and leave it alone. If market takes a bad move and you weren’t there. OOOPS. But That wouldn’t happen with a smarth trader.

Then there are the demo accounts which is an account where you can trade using all the right things, platform,charts,and information. But you are using play money, or what we call paper trading too.

Plus with Forex you have a mini account. Instead of needing thousands of dollars to get into it. You can open an account with as little as $300.00. Now of course you will be trading at 1 tenth of a trade. IN other words you controling 10,000 instead of 100,000.00 These are call lots. Which also means you will only risk 1 tenth too!

So if you would love to learn to do investing and not have near the risk you really need to take a closer look at Forex trading.

Short fall in supply of oil from Nigeria and uncertainty on Iranian nuclear issues are already keeping buyers of oil nervous. Delivery in May future hit $68 per barrel, a 20 pct jump from last years $56.5 per barrel, only $2.85 from August 2005 high’s of $70.85.

Since last 3 years oil market has been witnessing a substantial rise in the average price of oil. Last week number of oil analyst and agencies have one again raised their 2006 average forecast price to $63.

US Energy department Data reported that refineries are operating around 86 pct of their capacity. Analyst estimates that during same period last year, plants utilised 94 percent of their capacity. Not to forget that February, March & April are also crucial as all the maintenance work is done during these months.

There is difference of opinion as experts differ on whether the current soaring oil demand will outstrip the current supplies, and how quickly.

But for oil watchers, what could be more concerning is that if the current surging demand from China and India persists then Saudi Arabia, which has a known 25% global oil reserve, may see its oil reserves dwindle in twenty years time. Many leading oil analyst says Saudi Arabia is believed to be forced to over supply http://www.topsuppliers.com .

The country has the ability to produce 15 million barrels per day. Middle Eastern Oil analyst is of view that if Saudi Arabia produces 15 mbp, the lifespan of Saudi Arabia’s proven oil reserve of 260 billion barrel, 100 billion has already been used and therefore the reserves can be used in our lifetimes.

Meanwhile, last year’s impact of five major hurricane hitting United States of America still has the biting effect on the oil industry. Coastal oil refineries are still fighting to deliver maximum production.

Developing oil sands or natural gas-based diesel fuel is slower and more expensive proposition, though researchers are making every effort to produce an alternate to counter oil price.

US President George W Bush in his one of his State Union address in February, called for intense effort to develop more efficient fuel sources. The US Energy Department and the Agriculture Department spend tens of millions of dollars every year on biomass-based energy research and development. This is in addition to the billions of dollars. More than $4 billion was spent in 2004.The U.S. provides in subsidies for the production of corn, from which most domestically produce ethanol is derived.

Considering how ethanol is produced, corn or sugarcane is grown, harvested and delivered to an ethanol plant. Growing and harvesting the corn and heating the reheating the fermented corn of sugarcane to produce ethanol of a high quality to replace some of the gasoline in car requires enormous amount of energy.

According to researchers, it was found that it takes 30 pct more energy to top make ethanol from corn. Wood biomass takes 55 pct more energy. Swiss grass takes about 50 pct. Ethanol is just highly uneconomical product in the West, as compared in developing countries, also due to low labour wages. It also contributes to air pollution. Cars running on gasoline containing ethanol produce more air pollution than cars running gasoline alone.

Another research work on Pig manure is underway. One pig produces 10 pounds of manure to yield up to 21 gallon of crude oil. Hence, it is estimated manure from America’s 60 million pigs could produce 50 million barrels of oil a year. Framers can earn $10 per pig from manure.

There are all very expensive propositions. The researchers would continue to search for oil alternate, but substitute for oil may still be far away. With current pace of global growth, thirst for economic boom and demand incurring due to population explosion is unending.

I have very few reasons to believe that oil prices will fall to USD 50 per barrel and would rather like to argue that we would continue to see higher oil price trend. Without which search for new oil find could not be met due to high exploration cost. Oil price could also be kept high intentionally, to give investors incentive to explore oil and to developed alternate fuel find which requires billions of Dollars. With growing annual demand for 2 million barrel per day, most of it coming from Asia, one single event that disrupts oil production could send prices sky rocketing. Current demand for global oil is 84 million barrel per day. I expect the oil to trade in a USD 75-80 range in a short span of time. Not long ago talking of oil price averaging USD 60 was a sin. So let us get prepared for the next coming big move.

Forex, foreign currency exchange, is relatively new and offers many benefits over traditional investments.

START UP CAPITAL Traditional investment opportunities are often only available to those with plenty of cash and the confidence to trade it. Forex requires a minimal investment to get started. If you can afford dinner and a movie for 2 you can afford to get started with forex. Throw in the cash for tickets to a concert and a couple promotional tee shirts and you’ve got a real start in making your trades pay off.

LOW RISK-HIGH YEILD You can be wrong 50% of the time and still make money with forex. Learn to watch the trends and you’ve got a significant edge on the volatile stock market.

CONVENIENCE Unlike stock markets, forex trading can be done by you, on your laptop, at the end of your busy day or at the beach. Forex trades seven days a week twenty four hours a day. No setting your alarm for the market to open on the other side of the world.

LEVERAGE Does this sound like magic to you? If you trade a “Mini Lot” you have $100 invested…but are trading a hunk of change values at $1,000. That’s a lot for a mini investment!

BULLS & BEARS Makes no difference what the stock market trends are, which way real estate prices are moving, you can always make money with forex. No matter what the trend, you can make a profit in rising and falling markets. Just learn to watch the trends.

LIQUIDITY No need to tie up your money for long periods of time. Your capitol is accessible any time you want it. You haven’t bought an office building, gold or pork bellies. You bought cash and you can cash in at a moments notice.

IMMEDIACY You want to get results, see results and cash in your results immediately? Forex is quick to show you results.

REAL TIME PRACTICE Paper trading with forex gives you instant feedback on your trades and understanding of the system. It’s simple to understand if you get the concepts sufficiently to invest your cash in the market.

FOREX FOR EXPRESS FORTUNES Foreign currency exchange is making millionaires out of people just like you and me. Does everyone get rich trading forex? Of course not! But many do, by taking the time to learn the ups and downs and getting expert advice. If you are looking for an exciting opportunity to turn $300 into $30,000, it’s time to look at the exciting new opportunity available to you in forex, the foreign currency exchange.

There are two prevailing types of investment clubs that exist at present—those investment clubs that are purely educational in orientation and focus more on teaching investment principles and make use of simulations rather than real money. The second type of investment club is an organization wherein club members invest pooled cash into the market. This type of an investment club usually forms a legal partnership. Whichever type of investment club you may choose you can be assured of gaining some very useful knowledge on investment.

Starting an investment club

Whether or not you have decided to join an investment club your decision would still depends on your objectives as well as your investing personality. To know if you are eligible to join an investment club there are certain requirements you need to be qualified first and these are as follows:

• You are a novice when it comes to investment

Investment clubs are ideal for novice investors since it is a fun and educational way of learning the market. The assigned individual tasks to members’ helps in increasing the knowledge on investment. Likewise, the sharing of investment ideas from members also helps in understanding more the investment market

• You need a structure to help you keep on track.

Constancy is key for successful long-term investment endeavor and club membership is a great way of ensuring that you regularly invest. Club membership can provide you with sufficient experience should you ever decide to invest individually in the market.

• You feel that you need to diversify your investments.

Investment clubs help their members in spreading their investment among more stocks than they are likely would be able to as an individual investor. Also the investment risks are lessened to a large extent.

• You need to have the desire to contribute to the club as well as free time

Your contribution may not always be in the form of money although it is required from club members to contribute to a common fund. Your contribution may also be in the form of knowledge on investments gathered through research and shared with the other members.

• You are an investment person

This means that you believe in what investment clubs can do for you. And also you have confidence that investment club can provide you with the important knowledge that you need in order for you to have a successful investment experience.

• You like the social aspect of an investment club

Although, most of the monthly agenda of an investment club is given over to investment there is also the opportunity to make friends among your investment club colleagues.

If you still believe that investment club is what you need, then you will have to find a group that fits your investment principles. There are many reputable investment clubs which you may choose from or you could choose to start one up yourself. Have a look online for existing clubs or for tips on setting up your own.

Global forex trading serves over 100 countries, using its DealBrook FX2 software and 24 hour market access with one of the highest levels of customer service available in the forex trading industry. With Global forex trading forex brokers have access to pricing for more than 60 currency pair and excellent analytical services from renowned experts. There are up to the minute currency news bulletins and advanced forex charts available. Global forex trading boasts that they provide the only forex trading platform that is suitable for both beginners and professionals.

Forex Trading Advantages

The forex trading market is open 24 hours a day and is today the most liquid market in the world. With forex and the available leverage strategy you can use 100 to 1 leverage which in turn reduces the need for large amounts of capital to be placed in your account. Forex trading is also commission free and trading is available on more than 60 currencies worldwide. Another advantage of forex trading is of course the fact that it is global and there are not restrictions placed on shorting which means that you can enjoy your profit opportunities no matter what the market condition.

Prior to reading this information you may have assumed that forex trading was only available for large investors but thanks to Global forex trading smaller transactions are now available which allows all traders to take part giving everyone the opportunity to profit from forex trading. Don’t you think it’s time you started profiting? Well, it is. Start forexing and have fun doing it.

There are different reasons behind a merger of two or more companies. But first of all there exist diverse types of mergers.

a) Horizontal Mergers- where two competing companies conjoin to form a single large company. The companies in horizontal mergers are selling the same product in the same market and so are contenders to each other. Such a merger can have a tremendous influence on the market from creating monopoly to escalating prices of the commodity. This is precisely the reason that The Federal Trade.

b) Commission that is worried about the market and the consumers keeps a hawk’s eye on such mergers and at times detains the companies from merging in the interest of the people.

c) The Vertical Mergers- are the mergers between a supplier and the distributor company of the supplies. This is an anti competitive merger but can be highly beneficial to the company. It is because the distributor will no more have to pay for the manufacturing of the supplies, it gets the product at the base price. So there is good cost saving due to this. Vertical merger also rules out lot of competition from the market.

d) Market Extension Merger is between the companies selling same product but in different markets. This merger enhances the market for the two companies since they now act as one sole company.

e) Product Extension Merger is like the one between an eminent company making motor parts and another that makes their own cars. So, the companies involved here sell different but more or less the same product in the same market. This merger promotes the sale of both the companies significantly.

f) Conglomeration is a merger where the concerned companies have nothing in common to sell.

There are various reasons behind merger of companies. Like

a) Synergy factor prompts the merger of most of the companies. The synergy in business pertains to the cost saving and revenue enhancement. The companies after merger decrease the staff keeping only the skilled labor, work with a single managing director, CEO etc. So there is good outlay saving. Moreover the economy of the sale i.e. the purchasing power of the company booms after merger.

b) To increase the output and rule the market- many mergers are made with the intention to oust the competition and jointly rule the market. This presupposes healthy relations between the competing companies.

c) Mergers also take place when a company is not able to perform well due to some or the other cause like the lack of required investment in the form of capital, tremendous competition etc. In such a situation this company can merge with one its parent company or any other company that has faith in the prior goodwill of the declining company and in its potential to grow and enhance. So companies also merge in order to overcome their internal inconsistencies.

d) Many a mergers besides economically are also politically driven.

e) Acquisitions which imply taking over of one stronger company with the other weaker one are also at times veiled by the name of merger.

However, the directors who plan to merge their companies should actually contemplate over it, keeping in mind all the possible pros and cons. They must seek advice from neutral financial consultants who do are more inclined towards the welfare of the company and not their own. Their own benefit is also hidden in a merger since the wages of the employees increase with the advancement due to merger. So it is recommended to take advice from all those who are the well wishers of the company before taking any concrete step in this direction.

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