How to find a great Forex Trading alert service

How to find a great Forex Trading alert service
Some Forex traders dream about finding great set and forget
forex trading alert services which are easy to follow,
profitable and convenient. They would then just copy the
daily forex recommendations into their Forex broker dealing
station and watch their trading account grow and grow.

Recently over 250 online Forex trading alert services were
reviewed and alert services like the one described above do
exist!

The big challenge to the average Forex Trader is firstly,
finding forex trading signal services that fit the success
mould and then secondly, making sure that the service is
above board (credible). This article will address the first
question of how to find possible forex trading alert
services to consider.

The method mostly used by many forex traders is to search
the Web using a good search engine and then to slowly
search through the results to find say 20 ones to consider
for evaluation. This is a good starting point but remember
to uses appropriate search terms. For instance Forex
trading signals, Forex trading alerts and forex alert
service bring up different results. This may seem like hard
work but always use your trading dreams as a motivator.
While you are on the search engine results pages do not
neglect the paid adverts to further increase your chances
of finding great forex trading signal services. You can
find some unexpected gems clicking on these.

Another good place to search for great forex trading signal
services are Forex service review sites. Some of these
sites give objective and paid reviews of many forex trading
alert services on the market and allow users to post
comments on their own personal experiences. Some of them
list over a 100 forex trading alert services so your job
can be reduced considerably. These are probably the best
source of good forex trading alert services, as you get
direct user feedback as well. We have also found these to
be one of the best guides to the creditability of alert
services. Use search engines to firstly find the review
sites. Most of the review sites offer direct links to alert
services providers.

Forex blogs or discussion rooms / forums are again a good
source of alert service information. Going into discussion
forums is a lot more time consuming and your return on
effort will be less than the methods already mentioned. We
use this method to check on the credibility of a service
rather than finding a service.

Word of mouth is an often overlooked method. Use your
network of other forex traders to enquire whether they have
had any good experiences with forex trading alert services.

Using the methods above alert services producing 27 000
pips a year and returns of between 200% and 1000% on
capital used, have been found. Not a bad investment of time
and effort but 250 alert services had to be researched to
get there. You too can benefit from following the process
described in this article and well as the articles to
follow. It is well worthwhile.

The activities above should provide you with a list of
between 20 and 50 Forex trading alert services to consider.
How you then water these down to the few that will make you
money is the subject of the next article to be published in
the article directory. Make sure to watch out for them.

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Learn how you can make money from Forex Trading alert
services by tapping into the experience that David Lloyd
has in this field by visiting
http://www.forextrading-alerts.com or contacting him at
davidlloyd@forextrading-alerts.com

The Basics of FHA Real Estate Mortgages for Investors

The Basics of FHA Real Estate Mortgages for Investors
As an investor, it's important to know the details of
HUD/FHA programs so you can deal effectively with buyers
and sellers, particularly in the area of foreclosures.
Owner-occupants have first choice on these properties, but
when repossessed properties don't sell, you can pick up
some real bargains. So, my advice is to study the basic
information I provide in this article, and then gain as
much knowledge as possible from the HUD/FHA web sites. That
way, when opportunities do arise, you'll be ready to seize
them. Basic Information on FHA The Federal Housing
Administration (FHA) is part of the Department of Housing
and Urban Development (HUD).

The purpose of the FHA is to insure lenders who make loans.
Established in the 1930s, this governmental agency's aim is
to make it easier for people to achieve the American
dream—owning a home.

Looking deeper into the purpose of the FHA, you'll find
that its function is to provide mortgage insurance for a
person to purchase or refinance a principal residence. In
other words, the mortgage loans are funded by private
lending institutions (mortgage companies, banks, savings
and loan associations, etc.), and those mortgages are then
insured by HUD.

This arrangement has several benefits for prospective home
owners: Low down payments Low closing costs Easy credit
qualifying

FHA has programs for: First-home buyers Seniors Fixer
uppers Manufactured housing and mobile homes Energy
efficiency, etc.

In this article, I'll look at only three of these
program—the first-time buyer, fixer-upper, and
manufactured housing programs. First-Home Buyer Programs
These programs have the following eligibility requirements:
The borrower must meet standard FHA credit qualifications
(judged by the individual's credit record). The borrower is
eligible for approximately 97% financing. The borrower is
able to finance the upfront mortgage insurance premium into
the mortgage. The borrower will also be responsible for
paying an annual premium.

Within this category, the eligible properties are
one-to-four unit structures. As of this writing, the
highest maximum FHA mortgage is $362,790 while the lowest
maximum amount is $200,160. The 203(k) Program for Fixer
Uppers This program provides loans to allow you to buy or
refinance a property. In the loan, you can also include the
cost of making the repairs and improvements. The loans are
provided through approved mortgage lenders nationwide.
They're available to buyers wanting to occupy the home.

The down payment requirement for an owner-occupant (or a
nonprofit organization or government agency) equals about
3% of the acquisition and repair costs of the property.
There are several steps to obtaining such a loan:

The buyer locates a fixer-upper and signs a sales contract
after doing a feasibility analysis of the property with a
realtor. The contract should state that the buyer is
seeking a 203(k) loan. It should also state the contract is
contingent on loan approval based on additional required
repairs by the FHA or the lender. The homebuyer then
selects an FHA-approved 203(k) lender and arranges for a
detailed proposal showing the scope of work to be done. The
proposal should include a detailed cost estimate on each
repair or improvement of the project. The appraisal
determines the value of the property after renovation.

If the borrower passes the lender's credit-worthiness test,
the loan closes for an amount that will cover the purchase
or refinance cost of the property, the remodeling costs and
the allowable closing costs. The amount of the loan also
includes a contingency reserve of 10% to 20% of the total
remodeling costs. It's used to cover any extra work not
included in the original proposal.

At closing, the seller of the property is paid off and the
remaining funds are put in an escrow account to pay for the
repairs and improvements during the rehabilitation period.

The mortgage payments and remodeling begin after the loan
closes.

The borrower can decide to have up to six mortgage payments
(PITI) put into the cost of rehabilitation if the property
is not going to be occupied during construction, but it
cannot exceed the length of time it's estimated to take to
complete the rehab.

Escrowed funds are released to the contractor during
construction through a series of draw requests for
completed work.

To ensure completion of the job, 10% of each draw is held
back; this money is paid after the lender determines there
will be no liens on the property. Manufactured/Mobile Homes
According to HUD, a manufactured home...

..."is built to the Manufactured Home Construction and
Safety Standards (HUD Code) and displays a red
certification label on the exterior of each transportable
section. Manufactured homes are built in the controlled
environment of a manufacturing plant and are transported in
one or more sections on a permanent chassis." Source
http://www.fha.com

For this segment of the market, many lending institutions
provide conventional and government-insured financing plans
for buyers. The most common method of financing a
manufactured home is through a retail installment contract,
available through a retailer. Some lending institutions
offering conventional, long-term real estate mortgages may
require the homes to be placed on approved foundations.

Manufactured homes are eligible for government-insured
loans offered by the Federal Housing Administration (FHA),
the Veterans Administration (VA), and the Rural Housing
Services (RHS) under the U.S. Department of Agriculture.

Key Point: Study the details of each FHA program carefully
so you're fully prepared to seize foreclosure opportunities
when they occur.

Jack Sternberg

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Jack Sternberg is a nationally recognized expert on real
estate investment who's been in the business for more than
30 years. Sternberg's deals have totaled over $750 million
and he's been to the closing table more than 1,500 times.
For more, visit http://www.askjacksternberg.com

Anonymous Offshore Corporations & The Bearer Share

Anonymous Offshore Corporations & The Bearer Share
Panama Corporations are known world wide for being the most
anonymous corporations in the world. There are many
advantages to incorporating your offshore company in
Panama. The company has strict privacy laws, easily
accessible banks, they don't recognize tax evasion as a
crime or participate in any tax treaties and a corporation
can be set up within a matter of days.

Panama law allows an S.A. corporation or a bearer share
corporation to be owned by the actual person with physical
possession the of certificates of stock. There is no
required record of ownership in any type of registry or
database. The government of Panama does not even know who
the owners of the bearer share corporation are. The law
allows for the Nominee Directors to be hired and are they
are considered employees and are not owners of the bearer
share. However, the public registry does record their
names. That is why most people hire people for their
nominee directors in which they have no affiliation,
because it helps further secure their anonymity.

Under a bearer share corporation, you can transfer the
stock certificates easily and privately with no recorded
proof of the sale that will link you to the transaction.
Many people wonder what they can do with their bearer share
corporation once it has been effectively set up.

In Panama a corporation can own its own bank accounts, have
stock trading accounts, own real estate, have boats,
planes, cars, art, jewelry, own other businesses, and many
other valuable assets. This can all be done without anyone
ever being able to prove who the true owner of all those
things really is. In the eyes of the public it is all set
up to belong to the bearer share corporation. Panama has
very strong privileges of protected communication between
an attorney and their client. There are many things that
are also strategic that a lawyer can do for their client in
Panama.

Regardless of where you go in the civilized world a bank
will require a beneficial owner for any bank account that
is opened. Identity documents are also required to open the
account, but in Panama that is all covered their strict
bank secrecy laws. These secrecy laws are largely
recognized as the best in the world. In as little as two to
three business days a Panama bearer share corporations can
be incorporated when you are working with the right parties.

The exact particulars of a Panama bearer share corporation
are not very complicated. The corporation may issue shares
in physical form, but they don not have to be given a fixed
value. The only publicly recorded documents are the initial
articles of incorporation. Those documents list the
officers and directors, which are the nominee directors
that were selected and also the registered agent that was
chosen. The person who actually owns everything on paper
and in the eyes of the law would be the person who actually
has the physical shares of the offshore company in their
possession.

Many people leave the physical shares blank with no names
on them for safety purposes. Ownership can be changed at
anytime without any legal obligation to report any changes
to the government. There is never any public record of who
the actual owner of the corporation is. There are a few
other ins and outs of owning a Panama bearer share
corporation. The country has annual fees of three hundred
dollars. They do not require any minimum amount of paid
capital for a bearer share corporation in Panama.

It is not required to have board meetings for your bearer
share corporation's share holders. Panama allows these
corporations to keep their financial records wherever they
wish to keep them in the world. Additionally, share
certificates can be kept anywhere in the world and the
location does not have to be listed or made apparent to
anyone.

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Find out more about incorporating a Panama corporation and
offshore asset protection at http://www.offshorelegal.org/