The Jeffrey And Tracey Info Emporium

Surety Bonds are required for a reason, usually to protect public money. Many contractors and commercial businesses get frustrated by their bond requirements and will put the requirement to the side and put their full attention to what they feel needs it. Unfortunately for them, the obligee will feel quite differently about what is most important and what needs to be done.

Some commercial businesses will begin operating prior to properly filing a bond. This can create stiff fines and other penalties. A Curves for Women Inc. in Shelbyville, KY failed to file their surety bond prior to selling memberships. The Curves had to hault all long-term memberships sales by state order. The suit asks the court to void all previous contracts sold without a bond, refund all funds collected, and fines of $2,000 for each membership sold. This is a prime example of a business operating without the state required bonding and paying a hefty price for it.

When it comes to contractors, they will often want to obtain a bid bond anyway possible to get their foot in the door and worry about the performance bond (the one that guarantees the contract) at a later time. One thing that contractors must understand is what a bid bond actually does. A bid bond guarantees that if the contractor is awarded the job, the surety will provide the performance bond to guarantee the contract. If the surety refuses to write the performance bond the bid bond would cover the costs of the spread for the next lowest bidder. Therefore, for a surety to approve a contractor for a bid bond, they must also qualify for the performance bond. If a contractor decides to post cash for the bid because he/she can not obtain an approval for the bid bond, then their money is at risk. If the contractor can not obtain a performance bond, their posted cash will be used to cover the bid spread. It is not that it is impossible to obtain a performance bond in these cases, it is just that they may require substantial collateral.

Regardless of what type of business you are in, a surety bond is not something anyone is happy about having to obtain. It may be an inconvienience of your time and assets, but the requirement is in place not to protect the principal, but the obligee. If you must obtain a commercial bond, be sure to do so or you will pay a far higher price down the road. Be careful if you are a contractor trying to get your foot in the door on a big job. Think it through and talk to a professional bond producer to discuss what options are available to you.

Money is probably the most challenging thing for many people to manifest. It can also be easiest. Just look at those who have millions or billions of dollars. It doesn’t matter what the economy is doing, there will still be a great many people with an abundance of money. What are they doing differently? Are they just “lucky”?

When we understand that money is energy, only then can we began to focus on how to direct that energy flow into our lives. It all starts with each of us individually. How is your energy flowing today?

One way to get our personal energy flowing is to first look at our health. What are we putting into our bodies? I’ve learned that some of the biggest zappers of energy are things such as sugar, white flour, white rice, processed foods, soft drinks (diet ones too), drugs, smoking, alcohol, just to name a few. And please stay away from artificial sweeteners such as aspartame which is in that blue sweetener packet. This poison will block one’s energy in many ways. For details, visit Dr. Janet Hull’s website at: www.sweetpoison.com

Eliminating these items from our diets and replacing them with nutritious foods, especially “live” foods such as raw, fresh, organic fruits and vegetables, and lots of pure water will not only bring us good health but will greatly enhance the energy flow in our bodies.

When setting out to achieve anything, the energy of it must first come through us. That is why it’s so important to clear the way, so to speak, so energy flows freely. If we have blocks in this flow, these manifest outwardly into our lives, in various forms. Poor health as well as a shortage of cash flow are possible results.

The next step is to look around at our immediate environment. Energy flows constantly, everywhere. The trick is directing this energy so it becomes most beneficial to our lives. If we have clutter in our homes or offices, we have blockages to energy.

One excellent way to learn how to easily clear these blockages and enhance every aspect of our lives, including money and prosperity, is to learn the ancient Chinese science of feng shui (pronounced “fung shway”). Feng shui literally means “wind” and “water” and it’s is fun and easy to learn. I began to successfully use this science in my home about 12 years ago and I’m still amazed at how efficiently and quickly it works! Although this science is still somewhat new to the western world, I feel one day it will be common knowledge and we will all know how to enhance our lives with this science, including wealth and prosperity. I’ve learned that most of the rich and famous worldwide use feng shui for their homes and businesses.

One very comprehensive source of information about feng shui is the national best-selling book, Move Your Stuff, Change Your Life: How to Use Feng Shui to Get Love, Money, Respect and Happiness by Karen Rauch Carter, professional feng shui consultant and licensed landscape architect. I interviewed her on my radio talk show and I love her great sense of humor in her approach to feng shui. Karen’s website is at: http://www.fengshuipalace.com where you will find numerous articles, tips and information about this art.

More recently, I had the pleasure of meeting Master Kwai Lan Chan, who has years of experience in the art of Imperial Feng Shui. She was trained and educated as a financial auditor and has a strong financial and business background to help her clients become prosperous with the energy of feng shui. A wealth of information about Imperial Feng Shui can be found on her website at: http://www.imperialfengshui.com

There are many more ways we can direct energy in our lives – these are only two methods we can use to clear any possible blockages to this flow. Once we have energy flowing positively in our bodies and homes, we will definitely begin to see the results in our lives, not only with our health and other areas of our lives but with an increased cash flow.

So I repeat, how is your energy flowing today?

Chyrene Pendleton, Metaphysician, Numerologist, Dowser, teaches several workshops on topics including prosperity and abundance, numerology and dowsing. Her articles have been featured in many mainstream and spiritual journals over the years and in her free, online Ezine called, The Isle of Light.

Chyrene is the owner of The Isle of Light Inc., a spiritual, metaphysical online spiritual center dedicated to assisting all to become more empowered and enlightened in a wide variety of ways. She is a certified television show producer and co-produced and hosted The Isle of Light television talk show in Denver, Colorado, which continues to air biweekly. Chyrene is also the producer and host of The Isle of Light Internet radio talk show which airs 24 hours each day at Live365.

Chyrene Pendleton’s websites can be found at:

The Isle Of Light
http://www.theisleoflight.com

Internet Radio Talk Show
http://www.live365.com/stations/avalon22

The Isle of Light Blog
http://theisleoflight.blogspot.com/

Penny stocks, also commonly referred to as small-cap
stocks, are loosely defined as a stock with a share
price below $5. The US Securities and Exchange Commission
(SEC) defines them as such, however, penny stocks are often
defined as a stock with a share price below $1 by those in
the investor community.

Penny stocks are the stock market’s equivalent of junk
bonds in the bond market. Investing in penny stocks can be
much riskier than trading mid to large-cap stocks.
Severe and long lasting drops can quickly occur, with
little warning. Conversely, penny stocks can yield rapid
gains, sometimes up to +1000% in the matter of days. This,
coupled with the low price, often lures new investors into
trading penny stocks.

The difference between penny stocks and blue-chip and mid-
cap stocks is important to understand before you invest.
Whereas the market performance or normal mid to large-cap
stocks is driven primarily by fundamentals, penny stock
performance can be much more pliant to investor
speculation. A company’s market capitalization (cap)
derives from its stock price multiplied by the shares
outstanding. This number is therefore the sum dollar value
of all of the company’s shares at that time. So a penny
stock has less shareholders than a mid-cap stock and
trades on a far smaller volume per day. This is why penny
stocks are so speculative. Any sudden change in demand or
supply for the stock will be felt quickly throughout the
entire framework. As earlier stated, this can be good (less
people to share the profit with), or bad (less people to
shoulder the loss). Penny stocks are much more volatile
than mid or large cap stocks and this is why many investors
regard them as a gamble.

One of the justifications for investing in penny stocks is
the notion that many of today’s blue-chip stocks, such as
Google and Microsoft, were once penny stocks. This is a
misconception, though, because after you adjust for stock
splits, it becomes apparent that these company’s shares
were actually almost never trading on par with penny
stocks. Investors often overlook this fact and look for the
next Microsoft when buying penny stocks.

Because of the lower trading volume, penny stocks lack
“liquidity,” which means that investors can find it more
challenging to buy or sell. Just like with junk bonds, lack
of liquidity opens the gate to stock manipulation by
fraudulent investors.

Many novice investors are eager to jump into the penny
stock trade because of the potential for enormous gains.
Just as with gambling, though, an investor must be ready
to lose everything that they have invested when dealing
with penny stocks. Furthermore, historically speaking,
huge rises in penny stock value are incredibly rare. Even
in the few instances where this has happened, the price is
usually unstable, and falls as quickly as it rose. If you
are new to investing, be sure to research the company in
which you are investing. Analyze their fundamentals and
be aware of the potential risks involved in the penny
stock trade.

Taft Coventry is an Associate Partner at the most
trusted source for online money making information,
http://MadisonandMonroe.org
Visit http://www.MadisonandMonroe.org for online
business information, articles, and financial
product reviews.

There are three big mistakes that beginning investors repeatedly make in the stock market. I’ll tell you what they are so you don’t have to make them too.

Mistake Number One: Believing All that Glitters is Gold

There are plenty of so-called experts always pumping the next hottest stock on television. And sometimes they may even seem like gems because you never heard about the company and when you ask all of your friends, they never heard of the company either. And the company has a compelling story. But according to whom? To you? Or to the talking head you heard on the television or radio? It’s a well known fact that when big time investors like Warren Buffet, George Soros, and Bill Gates buy large volumes of a particular stock, the very day this information is publicly disclosed, the stock usually surges. In fact, for the people that missed the news the first day and then saw the subsequent surge, they often jump on board at the opening bell the following day, and the stock receives a second surge. You can probably make quick 2-3% gains all the time doing this.

However, well known talking heads that you see on MSNBC and other stock news shows also have the same effect on stocks. They recommend a buy on a “hot” stock, thousands of investors flock like sheep to buy the stock without doing any additional research, and consequently push the stock price higher in a self-fulfilling prophecy. When they see the stock price temporarily bump up, they become even more confident in their pick, not realizing that it was the sheep herd mentality of thousands of other like-minded individuals that contributed to the temporary price rise. The only problem is that many of these stocks initially surge off of the popularity and influence of the person recommending them only to fall significantly later.

The point to take home is that you should never buy a stock based on someone else’s recommendation without doing your own homework. Most people won’t even buy a television without doing prior research. So why would you ever invest thousands, or even hundreds of dollars, without doing some research as well? If you don’t know what factors to research about a company to give you more confidence in buying a certain stock, then ask your financial advisor or consultant for help. He or she should be able to shed some more light on the issue.

Mistake Number Two: Using Hindsight to Make Your Future Decisions

Never use regret over a past decision to color your future decisions. This is one of the strongest and best pieces of advice I can give you regarding investing, and regarding life as a matter of fact! There are times when a talking head on TV will be right and you’ll see one of his or her “hot” buys rise 50% in several months. This might give you what is commonly known as buyer’s regret, causing you buy the talking head’s next “hot” recommendation. Now if Murphy’s Law is in effect, as it is bound to be, you’ll end up losing 50% on this “hot” stock pick. The way to evaluate every stock opportunity is on its own merit, without judgement being clouded by past actions or indecision. And as I mentioned above, one should always have research strategies, and buy and sell strategies mapped out before even considering anyone else’s stock recommendations. Consider your additional research as an absolute must “second opinion”.

Mistake Number Three: Not Understanding the Types of Stocks You Buy

There is a huge difference between buying a General Electric and a Hemispherx (a small biotech company). If you invest in volatile stocks with the potential to run up 50% in one year, then you must track these stocks very closely for exit points during a potential run-up or downfall. People think that protecting the downside of volatile stocks by using stop-loss orders is an adequate strategy, but I’ve also heard many stories of investors who lost all of their enormous gains on particular stocks because they never checked their portfolio while traveling in Europe for three months. Protecting your gain is just as important as protecting against a loss. If you’re not willing to take effort to protect your gains, then why invest in the first place?

So in summary, always remember three points. (1) Never invest in a stock until you have gained a second opinion with your own research or the research of your financial advisor; (2) Never let past mistakes grow into a second mistake; and (3) Until you understand that different strategies must be employed with different types of stocks, refrain from starting your investment career.

© 2006 Global Market Opportunities

This article may be freely reprinted on another website as long as it is not modified, changed, or altered and as long as the below author byline is included along with the active hyperlink exactly as is.

J. Shin Kim is the founder of Global Market Opportunities. If you’re tired of measly 6%, 7%, and 10% returns from your stock portfolio, learn more about how to identify small and micro cap stocks that consistently and significantly beat the market indices by clicking the following link, Learn to Invest Money and Achieve Financial Freedom. Also subscribe to our free investment advice newsletter by visiting this link.

Ask any investor what a stock trading under $5 is and they will tell you it is a penny stock, microcap stock, or nano stock. These three terms are for the most part interchangeable. However the broader definition of a penny stock refers to a business’s aggregate value of its outstanding common shares, are more commonly known as its market capitalization rather than its stock price. However there is no set term that completely defines a penny stock.

To calculate the market capitalization of a company (the market cap) you must multiply the stock price of the company by the amount of shares that are outstanding. By carrying out this calculation you can find out what the total dollar value of all shares in the company are at any given moment in time. Penny stocks are not traded on a stock exchange like other stocks but they are traded in the over-the-counter (OTC) market. For the trading of most stock an agent will act on the investors behalf and arrange a transaction directly between the investor and a third party. The broker then receives a commission for facilitating the trade.

A large proportion of all penny transactions are charged by brokers as principle transactions. This means that the broker is not paid any commission but rather makes its money on the spread, and by buying and selling at advantageous times. There is no single price at which penny stocks are bought and sold, but rather there are a number of different prices. The difference between the bid and ask price is known as the spread. The spread of many penny stocks are usually around 25-33% but can often be 50-100% or even more. There are also always two bid and two ask prices, these are known as the inside and outside bid and ask. Keep in mind that it is the outside bid and ask that is of most interest generally. Penny stocks are also subject to mark up pricing. This is where a broker has held the penny stock in its account and has therefore taken some of the risk associated with market price fluctuation.

Although penny stocks are quite complicated and there are many problems associated with trading penny stocks as well as millions of dollars of loss, many companies still trade in them because they can help for example, struggling companies just starting up. The best way of finding a good investment is by consulting with your broker. However in the penny stock market be very wary of brokers who are only trying to sell and may not have your best interests in mind.

Most investors and many more market pundits continually talk about setting stops; they range from physical stops to mental stops to trailing stops to support stops to retracement stops or even moving average stops. It is easy to set a stop before you enter a position based off of your money management rules such as position sizing and expectancy. If you have a $25,000 account and want to risk 2% of the account on a $50 stock with an 8% stop; we know that the trade will allow you to buy 125 shares with a worst case scenario sell stop of $46.00 (assuming a 1-R risk of $4). This is wonderful but what should a trader do once the position gains 20%? Where should the stop be placed at that point to eliminate the chance of losing that quick 20% gain?

Several books attempt to explain how to take profits and many traders of the past have offered advice in books but most of it is fluff and subjective to opinion. I have heard people claim that they take a third of the position down after making a 20% or 30% gain while other traders take down half the position once a gain reaches 50%; but is this the correct way to manage money and positions? I thought so several years ago but have developed a more mechanical system that gives me precise exits at any time during an up-trend. It is a combination of a trailing stop and a retracement stop based upon the actual gain at any point in time. In a bull market, I will allow the system to loosen itself so I can handle a healthy pull-back without selling before a possible large move. For now, let me focus on my method for locking in profits without giving back too much.

For the sake of this article, I will continue to use the trade suggested above as the round numbers should be easy to follow.

Account Size: $25,000

Risk: 2%

Stop Loss: 8%

Share Price: $50

Shares to Purchase: 125 or $6,250

Sell Stop: $46.00

Worst case loss: $500 or 2%

If you are unsure how I came up with the numbers in this example, please go back and read my article on position sizing.

We buy the stock and it is up over 20% after the first three weeks of trading. What should I do to protect the profit I have already made?

Scenario #1:
At $60, I will set a stop based on a 30% profit retracement.

To do this, you need to multiply the profit of 20% (or $10) by a 30% stop: $10*30% = $3

At this point in time, I will look to close the position and lock in gains if the stock drops more than $3 from the $20% threshold ($60 in this case). My trailing stop is now $57 which guarantees me a total gain of 14%.

Scenario #2:
At $65, I will set a stop based on a 25% profit retracement.
As my profit grows, my stop tightens so I don’t give back too much. Again, this can loosen in bull markets and is also subject to longer term support and/or resistance lines. For the sake of this article, we will ignore all other variables.

To do this, you need to multiply the profit of 30% (or $15) by a 25% stop: $15*25% = $3.75

At this point in time, I will look to close the position and lock in gains if the stock drops more than $3.75 from the $30% threshold ($65 in this case). My trailing stop is now $61.25 which guarantees me a total gain of 23% if the trailing stop is violated.

Let’s do this one more time with a 40% gain:

Scenario #3:
At $70, I will set a stop based on a 20% profit retracement.
As my profit grows, my stop tightens so I don’t give back too much. As you can see from the three scenarios, my profit retracement has dropped by 5% as my profit has risen by 5%.

To do this, you need to multiply the profit of 40% (or $20) by a 20% stop: $20*20% = $4.00

At this point in time, I will look to close the position and lock in gains if the stock drops more than $4 from the $40% threshold ($70 in this case). My trailing stop is now $66 which guarantees me a total gain of 32% if the trailing stop is violated.

Please understand that I use these numbers since I like the separation of advances to be at least 10% from one retracement stop level to the next. Any investor or trader can substitute the numbers with something that makes more sense based on your own system and money management rules.

Outside of these selling rules, I also employ additional selling rules that use the long term 200-day moving average and long term support levels and trend lines. In a bull market, I will loosen the tight stops and look for longer term sell signals such as the moving average, a channel breakdown or even strong volatility movements that don’t agree with the overall pattern (these may be obvious reversals on the daily and/or weekly charts). Other times, I have a specific price objective when placing the trade and will close the position if the objective is reached (even if the trend is still higher). A great example of this are the options I purchased in Tenaris (TS); I sold at $45 per call contact, yet they are now trading at $80 per contract. I bought above $10 per contract and had an objective to sell when the stock reached $145 which it did, so I sold my calls and moved on. Looking back, I got out much too early but didn’t violate any of my rules which is more important than the additional gains. If I violated them on this trade and it worked out; what would stop me from violating them in the future and getting slammed with a heavy loss. I hope you get the point.

Chris Perruna - http://www.marketstockwatch.com

Chris is the founder and president of MarketStockWatch.com, an internet community that teaches you how to invest your money with solid rules. We offer an extended no obligation monthly trial period starting immediately with two free weeks. We don’t stop at just showing you our daily and weekly screens, we teach you how to make you own screens through education. Through our philosophy, you will be able to create your own methods and styles to become successful.

To find money to invest for your future, you need to make sure that your outgoing expenses are less than the income that you are receiving. You need to develop an excess that you can have free to invest.

Now before you start to think….”well I don’t have any excess left…if I was earning more money….then I would have some free”. Let me dispel this myth…and tell you that it is a known and excepted fact that the amount of money that people earn has little if any bearing on whether or not they have an excess left to invest. The only way to create an excess it to spend less than you earn, instead of spending all that you earn.

Even doctors and lawyers, who earn well over $100,000.00 per year, often end up at retirement with little more Net Worth than factory or office workers.

Net Worth is calculated by deducting the value of all the liabilities or loans you have from the income-producing assets owned to give you the net value of your income-producing assets.

Why aren’t high-income earners retiring wealthy? Why don’t they end up with a greater Net Worth than someone on a low income? It is quite simple. Human nature seems to dictate that whatever anyone earns….they spend….some even spend more than they earn and charge it on their credit card.

The higher your income grows…the more you spend and the only way to get out of this cycle is to realise that it is happening, and make a concerted effort to reverse this habit….and to begin reducing your expenditures so that you can free up money to invest.

The best way to do this, is to try the 10/90 plan. This plan simply means that as soon as you receive your pay….you put aside 10% of it for investment….and then use the other 90% to live off of. Put aside the 10%, and then pay all the bills and do the grocery shopping….and then after that whatever is left over you can spend.

Most people do it the wrong way around…they pay the bills, do the shopping and spend what is left over, never leaving any left to save or invest. By taking the investment money out first you will alleviate the temptation to spend it.

The road to wealth is not determined by how much you earn, but by how you utilise the income you have and how much you save and invest.

You need to take control of your finances. One of the best ways to start having more control over your money is to find out where it has all been going, and then amend your spending habits to allow you to live within the 10/90 plan.

If you write down a list of your monthly net income, then in another column write down a list of the essential items that you have to spend money on. You should be able to work out an average for telephone, gas, electricity, insurances and rates, from your previous bills. Work out an average of how much is spent on grocery shopping and petrol. If there are any other necessary utilities include them as well. Then deduct the second column from the first – and this will give you the maximum potential savings for each month.

It can be quite startling how high this figure can be and make you wonder where all the extra money went.

Another good learning experience is to simply write down for a fortnight every dollar spent and write next to it what it was for. You will soon find that there are a lot of unnecessary expenses, often caused by impulse buying, where you have spent money on items that you neither needed or really wanted, and could easily have gone without.

When you can begin to recognise these areas, and start to consider whether or not you are spending your money wisely, before you hand it over, then you will be beginning to take control over your money and are well on the way to embarking on your investment journey, which will enable you to have a financially secure future for you and your children.

Debra Lohrere is the author of several books on property investment, creating financial security, goal setting and the power of compounding. Please visit her homepage www.debra.lohrere.com/home.shtml or storefront at www.lulu.com/DebraLohrere

How to (not) DayTrade
So you’d like to earn your living DayTrading?
You have all heard the stories of losing DayTraders running down the streets shooting people?

During the heady .com days prior to 2001, (when Bush became president,) there were stocks, 3 or 4 times a week that went up from 30 to 200% a day.
It was possible, if you knew what you were doing, to check before the market opened to see which stocks were running in real time and why.
And, if you then had a fast electronic brokerage system you could dive into the market, buy a bunch and sell them the same day.

About 1% of people doing this consistently made money.
I saw one private individual make a million in one day shorting Corel. And then there was somebody who lost a bunch hanging on too long to the WWWF IPO.
As a matter of fact the bottom line is that if you take inflation into account you’d have been better off putting your money in an old sock since 2001.
So what to do?

Give up on the Stock Market let alone give up on DayTrading?
Don’t give up on the Stock Market, if you use the right system which is a simple set of formulas you can still make 30% or more on your money annually.
Using this simple system $11,000 left in the market for 17 years would be worth more than one million dollars today.

But it is not DayTrading and you still would need a strong stomach to sit out these 17 years, because some of those years would give you negative returns.
The bottom line is this; if you want to DayTrade there is only one way to do this today.
And that is with MINDBLOWING News.
MINDBLOWING News along the lines of:
XYZ corporation finds cure for cancer. ABC Inc invents Eternal Life Pill DreamCar Corp invents car that runs on water.
You get the idea.

And then I am going to use another qualifier:
You should get this news BEFORE most other people get it.
How to do this:
For about $10 a month you can get a subscription to real-time market news.
Get your Real Time Market News at about 6 AM Eastern Standard Time.
Say you find the real time news that a company has invented a car that runs on water.

Check the time the news was first released, making sure that news item was not available yesterday.
Buy the stock now with money that you can afford to burn ALWAYS USING A STOP LOSS.

Most electronic brokerage firms today allow you to buy stocks on NASDAQ only as early as 6 AM EST.
Sell the stock at 9.28 AM EST to all the traders that are waking up.
You could conceivably double your money.
So would you then trade again in this stock after the market opens officially?
No,I would not.

Too many mindgames will be played by market makers during the first day with the stock that produced the mindblowing news.
Remember the statement above:
“There have been very few days since 2001 that any stocks actually went up more than 30% in one day, the oomph has disappeared from both the Nasdaq and the Dow.”

Never hold the mind blowing news stock overnight, because people in most cases will dump it on the second day.
One more tip:
Never buy IPO’s on the first day.
The most touted IPO(meaning almost all large brokerage houses were praising this IPO to the sky) cost people the most in decreased value on the second day after the IPO came out.

Who were the winners? The brokerage houses.
So, if you have money to burn, have a cast iron stomach and want to watch market news from 6 AM to 9.28 AM EST, DayTrading may be for you.

J Shipper likes DayTrading. Check out these Sites: www.lazytrader.com www.stock-trading-now.info

The cries are heard from the distance, “I need help with my annuities.” Nothing has changed…just a lonely senior who can’t trust anybody with her annuity because every time she asks for advice, someone tries to make her invest in a different annuity…Sound familiar? Well you are not alone.

Often times when speaking to a senior about their annuities, I ask them their biggest complaint. Time and time again they say that it is hard to find someone who can help them with their annuity without trying to sell them another one. It is not uncommon. The truth of the matter is, many annuity agents are not out to help the client, but to help themselves (I am sure you are not surprised). They want to make the “fast buck” without regards for the client’s needs or investment objectives. The unfortunate part is that, this isn’t going to change.

Honest help with an annuity is hard to find. Insurance agents don’t get paid for their time, they usually only get paid for making a sale. So it’s no wonder why they always recommend another annuity. I once visited someone who needed help with an annuity that an agent “talked him into.” The problem was, in order to get into this annuity, the agent talked him into surrendering his old annuity and paying a $13,000 surrender charge to do so-AND THE ANNUITY HE PUT HIM INTO WAS WORSE THAN THE ANNUITY HE GOT HIM OUT OF…When I asked him why he called the other salesperson in the first place, he told me he just needed to make a small withdrawal from his annuity and didn’t know how…And the agent tricked him into switching it into another annuity and paying a huge surrender charge which he could never recover due to his age…Fortunately it wasn’t too late and we were able to reverse his transaction.

However, good help is hard to find. There is no doubt. This may come as no surprise but my recommendation to anyone who needs help is to first purchase the book “Annuities: The Shocking Truths Revealed.” Sure, I wrote it and sure I have a vested interest in saying that, but at least it talks about annuities in a way that anyone can understand them. And at least it points out all the things people who own annuities or are looking for annuities need to be careful of. Most importantly, it points out the dirty little secrets that agents never tell you about annuities.

The bottom line is this. If you need help with your annuity, you need to be vigilant. Many agents are out there for their own good and you must be aware of this. Utilize your resources and learn the right questions to ask your agent before making a decision (Also found in the book). Sure, you may just give up and never get help but the worst decision is no decision. Help with your annuity is hard to find, but not impossible…that’s why I wrote the book!!! Good luck and remember…

Ignorance is not bliss…

Tony Bahu is the author of the controversial document,
‘Annuities: The Shocking Truths Revealed’, which reveals the secrets
that the banks and insurance companies don’t want you to know.

For more information on his document, visit the site below right now!

http://www.AnnuityMD.com

Global forex trading was founded in 1997 and is today one of the world’s leading providers when it comes to forex real time trading. Global forex trading offer you the chance to deal in real time online currency trading that is making millions of forex brokers rich each day.

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.

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