Tag Archives: investment

Is a Term Life Insurance Policy More Advantageous Than Whole Life Insurance?

Posted on February 3, 2012 by Alma Landry| Leave a comment

Should you be pondering obtaining insurance coverage for guaranteeing a policy you’ll need in the case of accidents and problems, you should know there are basically two options available. The first, term, is only going to guard you for a offered time period, at the conclusion of which you have to renew your policy. The next kind, namely long lasting life insurance, has greater insurance coverage and more rewards, but the price of rates match the advantages.

So that you can spend your money prudently on services you actually need and want, you need to very first choose what the level of insurance coverage best suited for you are. Lots of people toss by themselves at the most high-priced policies in the marketplace, convinced that the more costly the services are, the greater will be the advantages. This is simply not always correct, specifically discover planning to reap the benefits of every little thing the insurer provides.

As a way to set up which kind of term life coverage you’ll need, there are numerous means on the web that may help you get the answer promptly. Insurance policy hand calculators are a effective and trustworthy tool to find out exactly how much you need to buy how much protection you’ll need. It is usually wise to determine this last factor ahead of hastening into any selections, as it could save you more cash and obtain the companies you will need.

A insurance coverage coverage is for people who need insurance for any identified time period, including 1 to 3 decades. If some individuals will really feel much more guarded by obtaining a complete insurance policies, sensible folks can recognize some great benefits of a term life plan and the large sum of money they’re able to save money on obtaining the identical good quality and robustness of solutions. The one difference is you’ll be obtaining security for the identified time period.

Even if it policy doesn’t have income benefit, the quantity you save monthly, instead of creating a permanent insurance coverage, is a lot bigger than the apparently valuable offer you get with complete insurance coverage. When scouting for a life insurance policy, it truly is dependant on your personal perception and personal preferences about purchase and protection. Long lasting safety is available in more expensive with a lesser number of fiscal benefits, whilst insurance coverage to get a determined period could help you save additional cash for similar quality of providers.

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What If You Outlive Your 30-Year Term Life Insurance Policy?

Posted on January 29, 2012 by Alma Landry| Leave a comment

Outliving a 30-yr insurance coverage policy can be a get-earn scenario. Won by you because achieving that motorola milestone signifies which you have existed three decades since you bought your policy. If you wish to expand your policy or acquire a different type of coverage, you might have some of choices.

Your insurer is victorious in case you outlive your 30-yr term given that they ended up wagering that you would. Therefore, they keep the thousands of dollars that you have paid into the coverage for the past 3 decades. You obtain nothing back from your premiums which you paid out…beyond the thirty years of peace of mind that you have loved.

But let’s face it: You can’t put a price tag on 30 years’ importance of peace of mind, understanding that you have guaranteed security on your family’s monetary future. And that’s the way to take a look at insurance coverage-as protection, much less a fiscal purchase. A term life insurance plan doesn’t gather money benefit like particular other, much more inexpensive types of insurance do. If you outlive your term life insurance plan (or if you choose to end it anytime), you get practically nothing back. Want a great investment? Go ahead and take income you’ll save by purchasing inexpensive a life insurance policy, and invest it in stocks, provides, or shared funds.

Obtaining affordable coverage-that’s the task. Or had been. Now, it can be incredibly straightforward. Whether or not you’re buying life insurance coverage or another services or products, you do you make sure you get the most effective value? Everybody knows a better solution: comparison-searching. Comparison-buying employed to indicate going derived from one of insurance company to a new, one agent to broker, filling out forms… It had taken several hours! Times! But on the internet solutions have simplified the whole course of action.

Make no oversight: Most of these solutions are not from genuine insurance providers. They provide an impartial, no cost, fast program focused on aiding people discover insurance policy without putting things off or income. The service has considerably improved evaluation-buying term. Extremely innovative software program permits the online intend to supply several quotes from a number of businesses-all in one place, all in only a few moments. And many types of at no cost.

How effortless is it? Very easy. Just pick the point out where you reside, enter the day you are born, and solution quick and easy inquiries. Then simply click to get your rates. Without delay you will note estimates from numerous businesses able to supply your family using the top-good quality coverage at the lowest probable cost.

What sort of companies are these? They’re well-founded, really reliable business market leaders. You may acknowledge names most have been about for decades. Choose the protection which fits your financial allowance and meets your needs. Then purchase plan. Generally, you’ll be able to spend appropriate then, at that time by credit card. Maybe you might even have the ability to down load a copy of your respective coverage to printing and file with your other crucial documents.

How much time can this total procedure acquire? What employed to get hours or times now usually takes moments by using a support including 30YearTermLifeInsurance.business. The service is 100Percent totally free. What exactly should you do if you live longer than your 30-12 months insurance coverage insurance plan? Start by honoring. Then obtain more insurance policy!

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Getting Out Of Debt And Getting Back To Life

Posted on May 21, 2011 by Carl Gibbs| Leave a comment

It’s easy to get into debt, but getting out of debt can be a much harder task. Until the financial crash it had never been so easy to take out credit. Banks and lending institutions offered money like never before. This made it easy for people who previously had never considered taking out loans to stack up multiples of credit that perhaps they couldn’t really afford. As the bottom fell out of the global economy, thousands of people found themselves in trouble.

More marriages and relationships collapse because of money problems than anything else. The stress that worry about bills can sometimes lead to mental health difficulties and depression. The best remedy is to get of financial trouble and to tackle problems head on.

People have to put their hands up and admit to their difficulties. They need to know how much they owe and who it is owed to. It may be unpalatable to see the figure, but it’s far worse to pretend it doesn’t exist. Then when this has been discovered, an individual can look at how much they spend and their income. The first rule of good financial management is to spend slightly less than you earn. Most problems are created over time, so repaying it will take time too.

A repayment schedule should be worked out. This needs to be something that can be achieved. Unrealistic goals and too much ambition are one reason why debtors fall back into bad habits. Discipline is an important quality to work upon. It is important to resist spending more than can be afforded.

It’s important for someone to know how much they are spending on a daily basis. Daily spending amounts are often where debt is created. It is not always the larger purchases that push people into the danger zone.

An inventory of regular outgoings should be made. This may contain luxuries that were affordable in better times but are less so now. Hobbies and interests that cost a great deal should be exchanged for cheaper ones. There is often money to be saved with regular outgoings such a bills for utilities. This can be done by examining competitor suppliers and finding cheaper options. There are websites to help people do this.

Getting out of debt is by no means easy but it isn’t impossible. With the right attitude it can lead to a new way of looking at life. Self-control and direction can be re-established. This helps people achieve in other areas of their life as well.

Great tips on how to get out of debt fast in our comprehensive review of accountants London and everything you need to know about how and where to find the best chartered accountants in the UK.

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Superbrands 2010 Profile

Posted on October 24, 2010 by Mohammed Abdelkareem| Leave a comment

Arab African International Bank

Along a history of solid banking tradition since its establishment in 1964, AAIB is Egypt’s fastest growing bank in terms of size and profitability. Its compounded average growth rate for deposit and loan portfolio has consistently outperformed market norms.

Arab African international Bank providing innovative services with a strong regional presence, being the gateway for international business into the region.

AAIB Achievements

Arab African International Bank holds the record for being Egypt’s first in various banking achievements

1. The First to have an International foreign exchange dealing room.

2- AAIB introduce credit cards in the 1980s, opening the world of credit to its clients and merchants across Egypt.

3. The First to launch mid and long term foreign time deposits (Green Pearls)

4. The First to launch Smart technology in credit cards- awarded by Visa International as a pioneer in introducing the latest generation of Smart Cards.

5. The First to launch a competition for undergraduate students “AAIB Award”.

6. The First to extend its working hours at all branches, providing clients with full services from 8:30 am to 5:00 pm.

7. The First to establish a foundation for social development “We Owe it to Egypt”.

8. The First to introduce Visa Mini credit cards, Egypt’s smallest credit card.8. The First to introduce Visa Mini credit cards, Egypt’s smallest credit card.

9. The First to introduce Merchant Loans (Details at Retail-Products section).

10. The First to introduce social and environmental risk in corporate finance.

AAIB History

the first Arab multinational bank in Egypt, Arab African International Bank was established by Special Law as a joint venture between the Central Bank of Egypt and Kuwait Investment Authority. Since its inception, AAIB has been known as one of the most distinguished corporate and investment banks in the region. Each holding a 49.37% stake, the Central Bank of Egypt and the Kuwait Investment Authority form the core of AAIB’s shareholder base.

Since its establishment, and throughout the mid 1970s, AAIB grew to be one of the most important financial institutions in the region, with international branches spreading all over the world (London, Lebanon, New York, Tunisia, Oman, Bahrain, The UAE…etc.), the bank was thriving with a booming middle eastern economy at the time. In the 1980s (which was named the lost decade), and with the Latin American debt crisis that resounded all over the globe, AAIB faced hard times till mid 1990s.

AAIB is maintaining its core competence as a corporate bank. It is also taking breakthrough strides in retail activities through expanding its innovative product range and geographic presence in the most commercially strategic locations.

Financial Group

AAIB offers an ever-broadening range of services to the entire region, the AAIB grop has developed new business arms.

Arab African Investment Holding (AAIH), Arab African Investment Management (AAIM) and Arab African International Securities (AAIS).

AAIM and AAIS. In addition to becoming one of Egypt’s leading investment institutions, AAIH is now targeting the entire Middle East region as a potential field of activity.

Established in late 2006, AAIM currently manages three funds together with investment portfolios on behalf of organisations and private individuals. In 2009, the Egyptian Investment Association recognized the group’s (Shield) Equity Fund as the best performing open end equity fund for achieving 33 per cent annual growth. In April 2009, the group launched (Juman) Money Market Fund, it was oversubscribed in less than a week from its launch. The company ended 2009 by managing the SMEs money market fund which the bank launched in cooperation with the Industrialized Modernization Centre (IMC).

The firm offers a full range of brokerage activities including same-day trading, online trading and margin lending, offering its customers secure instant and integrated trading via the internet at a competitive rate. AAIS is widely acknowledged as having one of the best award-winning teams of technical analysts in the region. Recently, the group acquired Real-estate Mortgage House (RMH), a company previously owned by Global Investment House .

Arab African International Bank Products and Services

Corporate

Arab African International Bank is a major contributor to the Egyptian debt capital market with a powerful role in structuring, managing, book-running and successfully closing syndicated loans. This has further consolidated AAIB’s core competency in investment and corporate banking, and bond markets positioning the bank as a high-end service provider of innovative and customized solutions to leading local and regional corporates and international investors.

the bank led a number of major syndications in the fields of infrastructure and construction, which has further strengthened its position as a leading investment bank in the region. Enjoying a strong customer base and an active corporate strategy, AAIB’s branches in the Emirates are considered the launching point for expansion into the Gulf.

Retail

AAIB sees retail as a viable growth area and a fertile field for introducing innovative products and services to the market.

AAIB is the first to introduce credit cards to Egypt in the eighties and the chip technology in 2003 through its capacity as both issuer and acquirer. In 2007, AAIB launched a variety of innovative products and services. With the Visa Mini Card, it introduced the smallest credit card to the Egyptian market following earlier introduction of smart technology.

The Bank also strengthened its Merchant Program by launching merchant loans availing optimal financing to expand size and scope of their business activities guaranteed by the value of total electronic payment transactions settled between the bank and the merchants, thus eliminating the need for collaterals or personal guarantees. Along with this, Click2Shop complements AAIB’s merchant portfolio, being an internet payment gateway enabling merchants to accept online payments via their websites. The program is securely coded by international MasterCard and an authorized license by Visa (VBV). As for its AutoLoan program, it is still meeting increased customer demand, contributing to the enlarged number of facilities granted.

Arab African International Bank Wealth Management

Arab African International Bank launched its new private banking services under the corporate brand name “Wealth Management “.

Wealth Management created to address the distinctive banking and lifestyle needs of high net worth clients through the pursuit of an active financial advisory process leveraging on the bank’s diversified product range, competency of its affiliated subsidiaries and regional presence.

Throughout the new service AAIB continues its role as an active financial advisor to its clients. That is evident through the comprehensive protocol followed by Wealth Management’s financial advisors with a client, starting with the profiling stage followed with an adequate asset allocation coupled with regular follow ups for reviews and/or rebalancing which guarantees the growth of client’s returns and his trust in a true partnership with AAIB.

Arab African International Bank Wealth Management adopts an active financial advisory approach with its high net worth clients targeting to maximize returns on their investment portfolios within predefined risk levels, building on the bank’s full fledged investment arms, offering their client the best chance to securely invest without the need to risk outside the bank parameter.

Brand Values

Corporate brand is a combination of a strong image, values and culture. The name Arab African International Bank has been associated with characteristics such as confidence, Distinction, Dynamism, Empowerment, Integrity, Passion and Patriotism.

Arab African International Bank internal and external communication emanates from the bank’s slogan of “Confidence…Distinction”. Believing that a strong brand has to address key values of integrity, AAIB’s “Confidence” and “Distinction” signature is becoming inherently imprinted in its brand DNA.

Promotion

This Brand is much evident in the bank’s pioneering edge in the field of Corporate Social Responsibility (CSR) through reconceptualising the concept of connecting the growth of the institution to the growth in society. The bank’s role goes beyond profit-making to include a moral mission to the society. This has been reflected in its strong commitment to embed CSR in all its policies and practices.

AAIB’s mandate to add value to stakeholders was institutionalized through establishing a CSR Unit with the objective of enacting professional adherence to codes of conducts and ethics in dealing with stakeholders. This inclination is enforced through AAIB’s engagement within international organizations that enlighten and substantiate its CSR policies. AAIB is Egypt’s only bank to be a member of the UN Global Compact which focuses on human rights, labour standards, the environment, and anti-corruption. AAIB has also joined London Benchmark Group (LBG), a London-based organization that provides standard parameters measuring the effectiveness of corporate contribution to community development.

In January 2009, AAIB became the first and only Egyptian bank to adopt the Equator Principles, a banking industry framework for addressing environmental and social risks in project financing. AAIB believes that finance – in present times – has to strengthen its role of becoming a force behind positive socio-environmental change around the world. A leader in corporate finance in Egypt’s growing and well diversified economy, AAIB has vested interest in adopting Equator Principles to further substantiate social, environmental, and moral considerations across different sectors of the economy, particularly through its vast network of corporate clients.

Over 8 months, the students go through a structured process of professional training, coaching and guidance. An advisory board of professionals help train them to do presentations, feasibility studies and understand retail, corporate finance as well as treasury services. At the end, we choose three winning groups who receive a financial prize along with non-material benefits. The financial winners are three groups, but the beneficiaries are really everyone who competed and got the exposure and experience testified by the fact that most of those who competed ended with commendable career opportunities.

Arab African International Bank launched its foundation for social development, “We Owe it to Egypt”. Although established by the bank, its scope and objectives extend far beyond the bank’s identity with its primary goal to enact a nation-wide initiative that inspires and mobilizes the corporate sector towards making a fundamental and positive difference in the fields of public health and education in Egypt.

AAIB believes that its “raison d’tre”, growth and success are all ultimately focused on delivering value to clients. It embraced an undertaking to raising the bar of Customer Delight in financial services, pledging not only distinguished products and services but exclusive experience across all contact points. Towards this end, AAIB is mobilizing its resources while seeking continuous engagements with clients.

Arab African International Bank has won the following awards:

2010 Best Financial Group – World Finance

2010 Quality Recognition Award – J.P Morgan Chase

2008 Bank of the Year – The Banker

2008 Best Bank in Egypt – Euromoney

2008 Quality Recognition Award – J.P Morgan Chase

2007 Best Bank in Egypt – Euromoney

2007 Quality Recognition Award – J.P Morgan Chase

2006 Bank of the Year – The Banker

2006 Visa Innovation Award – Visa

Looking to find the best deal on Wealth Management #1, then visit Arab African International Bank’s site on how to choose the best Global Investments Egypt #2 for your needs.

categories: Wealth Management,investment advisory,investment advice,financial planning,investment planning,investment portfolio,investment management,investment,tax planning,managing wealth,managing assets,Wealth Management Services,Benefits of Wealth Management

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Where To Place Stop Losses?

Posted on April 11, 2009 by Hass67| Leave a comment
by Hass67

Currency prices in the forex markets are always jumping up and down. Forex markets are volatile most of the time. In the short term, you will only find noise in the intra day forex market. This makes it difficult for new day traders to know how to put a stop loss. Most of the time, prices in forex markets jump 10-20 pips for no apparent reason.

Most of the new forex traders get frustrated to find their stop loss being constantly tripped due to noise even when the market is going in the anticipated direction.

Many new forex traders develop the habit of using a static 10-20 pip stop loss. This is an arbitrary decision. Many also try using a trailing stop loss. However, if placed too close; your stop hits too early. And if placed too far; you will have to forgo potential profits if the price retraces later on.

The actual reality is this that many professional forex traders do use stop loss but mostly place it on their computers making it invisible from their brokers. A better method to place a stop loss is by using a dynamic level that changes as the market rate changes.

Stop hunting is something the brokers are continuously doing. If a broker finds many stop losses at a particular price level on his price feed; he can easily trip them using a momentary blip in the price. You cant even complain. The momentary spike happened due to a sudden large transaction in the market.

Do you know this many professional forex traders only use a stop loss in their mind. They plan entry/exit for each position. Keep on monitoring it changing, the stop loss in their mind as the rate fluctuates. When they reach the desired outcome, they close the position. With experience, you will also learn to do the same.

Moving Averages, Bollinger Bands, SARs etc can be easily used as dynamic stop losses by you. It is a good way to manage your risk while letting the currency markets to do what it wants.

With more experience, you will learn that placing fixed stop losses actually harms more. Rather than helping, using a fixed stop loss can hurt you more emotionally, psychologically and profit wise.

Try not to trade just before or after a major economic news release. Try not to place stop loss close to/at round numbers. And try not trade in times of thin liquidity in the currency markets.

It is important for you to know that brokers constantly use stop hunting to take out your positions using noise in the market as an excuse. Learn how to beat the markets and the brokers.

About the Author:
Mr. Ahmad Hassam is a Harvard University Graduate. He is interested in investing; stock and forex trading. Discover a revolutionary new broker buster Forex Robot. Learn Forex Trading!

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Fail Safe Investment Strategy for an Obama Presidency

Posted on February 8, 2009 by Charles L. Stanley CFP ChFC AIF| Leave a comment
by Charles L. Stanley CFP ChFC AIF

Whether you are an Obama fan or an Obama opponent, since he has become our newest President of the United States his policies will have an affect on the financial markets, both domestically and internationally. He wants to bring change to the United States which by extension means world markets because we have such a huge economic foot print.

With Barak Obama as President and the most powerful leader in the world, how should you structure your investment portfolio – both your taxable portfolio and your 401(k) or IRA, etc.?

1. Taxes Matter: We don’t yet know the details of how he will handle taxes on dividend income and capital gains. It is clear that at least some of the investing population will see an increase in taxes on those forms of investment returns. If you pay a 20% rate on capital gains that means you will have 20% less money being reinvested to grow and get the affect of compounding. Dividend rates could go up as high as 35% and that will really kill the benefit of dividend paying stocks. So, one can use tax free bonds for at least a portion of the fixed income portion of a portfolio. Second, you should make sure you are having your investment advisor use tax management in the investment and management of your portfolio. Tax managed passive mutual funds have an extremely low tax impact.

2. Don’t fight the Capital Markets, they work: Most of the Wall Street types fight the capital markets thinking they can beat the market. The do this by some form of stock picking and/or market timing. Unfortunately for them (and their investor clients) all the academic research says the markets are essentially efficient and you simply can’t beat the market with consistency. You are better off not trying to outperform and investing to always get the market return. I know that sounds a little scary right now, but the data are showing that this passive approach (with asset class funds and index funds) is in fact outperforming the majority of active managers even in this really tough market.

3. Remove uncertainty by Diversification: Risk is really the uncertainty of future outcomes when investing. Diversification will reduce the uncertainty of a given portfolio. Lets assume you have a fund with 3500 stocks in it. A couple of those happen to be Bear Stearns and Lehman Brothers. With that many companies in your portfolio, you will hardly notice it as those two companies go out of existence. On the other hand, if you have a mutual fund of only financial companies, you will feel it big time. See what I mean? You can reduce the risk of uncertainty through very broad diversification.

4. You can’t separate Return from Risk: This is the principal that everyone wishes weren’t true. But, it is. Over time, stocks outperform bonds. Over time, bonds outperform cash. But this isn’t true at all times, just over time. In 2008, cash outperformed stocks. But, over any extended time period, stocks outperform cash and bonds. Stocks are also more volatile. You can’t separate this kind of higher risk and higher return. Small stocks outperform large stocks. Value stocks outperform Growth stocks, not always, but over time.

5. Portfolio Performance is determined by Portfolio Structure: Asset allocation (choosing how much of a portfolio to commit to what asset class) along equity market exposure, value and size dimensions primarily determine the performance over time of a broadly diversified portfolio. Stated another way, under an Obama Presidency – or any Presidency for that matter – own low cost, globally diversified asset class mutual funds that are more heavily weighted to smaller and more value oriented stocks. You are exposing yourself to higher performing asset classes but are protecting yourself from uncertainty through broad diversification. If an all stock portfolio is too volatile for you, add some short term high quality bonds to reduce the volatility. Of course, it will also reduce your expected return.

In order to win the loser’s game, follow academically sound investment principles will allow you to win during an Obama Presidency. Don’t give in to the Wall Street marketing gurus who have proven just how effective they are at separating you from your money, quickly and permanently. Can anybody say, Bernie Madoff?

About the Author:
Be sure to get your free copy of a Special Report by Charles L. Stanley CFP ChFC AIF titled “How to shield Yourself from being Madoff’d”. This report contains simple steps for how to shield yourself from crooks like Bernie Madoff, the Wall street broker who allegedly ripped off his clients for $50 Billion. You don’t have to let it happen to you. You can also find other resources at CharlesLStanley.com.

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