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I get this question often. Understand I have been investing full time in real estate for more than a decade. I’ve seen up markets and down markets. And, the question is consistent, “Can you make money in this market?”

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The answer is always, yes. In today’s market there is loads of inventory. There are however a limited number of loan programs, and the ones that are available have stricter guidelines and qualifications. BUT people are still buying.

How Do You Profit?

There are plenty of strategies (or recipes as I call them) to win. One that you can use is “buying, fixing, and re-selling”. Remember this is but one-way to win. The first thing to realize about real estate is there is always a current value. Unless we are speculating, the current value is the value. NOT what the home was worth last year, or what it might be worth next year.

If you are buying at a discount on the current value then you have potential to win, period. It’s like gas prices; we remember what it once cost. But the reality is we buy gas at today’s price. You must treat real estate Investment the same way. What is this house worth today?

Using a local agent to establish value – and even an appraiser – will help you understand the values in your investment market, the average time on market, and the median house price.

AVERAGE TIME ON MARKET will tell you how long it takes to sell a house in your market, and even better, for the neighborhood of the house you are buying.
MEDIAN HOUSE PRICE tells you what the average price is for a house in your area. You want to know this number because if you buy a house lower than or near this median you will have a higher number of potential buyers.

In other words, take the statistics of wealth in general; there are many more people with ordinary jobs than there are rich and carefree. You want to follow this statistic. Don’t worry we aren’t going to get crazy about analytics here, just know we want average houses, not mansions.

Okay so where are we? You are buying average houses, under the current market value. What’s next? Here is your punch list:

MONEY – How will you pay for this house?
FIX IT – Who will be doing the rehab work?
SELLING – Who will sell it?
DISCOUNT – How much under value?

Notice I didn’t number this list. That was intentional. All the factors here tell you what you can pay for a house…

DISCOUNT – How Much Under Value?

On average we are paying no more than 75 cents for a house. What that means is if the house will sell for $100,000 we will pay no more than $75,000 AND that number must include any repairs. If the house requires $15,000 in work then we can pay no more than $60,000 for the purchase.

Understand, we have been doing this for many years. As a rookie you can quickly eat away a 25% profit. Let’s look at an example transaction:

You pay 60 cents for a house, where you budget $15k to fix it. You will have an additional 6% or ($6,000) in agents fees, another 2% in closing costs, and this does not include any holding costs; utilities, cost of money, etc.

Here it is more clearly (same end value of $100,000):

- 60% buy
- 15% in repairs
- 6% in commissions
- 2% holding costs
- 83% total
- 17% potential profit

MONEY – How Will You Pay for This House?

There are many ways to pay. You can get a bank loan on the property, but, in many cases rehabs need more work and the lending guidelines will not allow for rundown houses. You can get a loan on your current house, if you have equity. You can borrow private/hard money. And, you can likely do a combination of several. Lastly, you can use your own cash or partner with someone with cash.

Regardless, there is a cost of money. That cost is the interest rate and any loan fees, plus time. For example, a private lender will charge points – one point, equals 1%. On a loan for $75,000 one point is $750 or for a two point loan – $1500. In most cases this will be added to your loan. Meaning you will pay it when you sell the house.

The common lingo for investors and private money is “two and twelve” which means that the loan costs 2 points and 12% interest. Note: you may pay more, even six and eighteen. Shop around. Assuming you paid 2 and 12 your points are $1500 and you monthly interest is $765 monthly.

If you hold a house for a number of months time is ticking dollars:

- month 1 – $765
- month 2 – $1,530
- month 3 – $2,295
- month 4 – $3,060
- month 5 – $3,825

Which means that over five months you will pay $3,825 plus $1500 (the points) for a total cost of money of $5,325. IF you held your house for 8 months you’d spend $6,120 plus $1500 ($7,620).

Remember you had 17% potential profit ($17,000). The other variable here is unforeseen costs of repair. I just bought a house that had an overage of $2000 for roof repairs – hidden under snow. Which brings us back around to your repair work.

FIX IT – Who Will Be Doing the Rehab Work?

People come and go. Over the years I’ve had several dream teams. Your contractor is a part of your team, as is your agent, and any other person you find yourself working with again and again. Once you have all the players your job will get easier. Our focus now is on your contractor.

All you have to do is turn on the TV for a primer on how to flip houses. And you see all the clichés; yelling at contractors, contractors who don’t do good work, and contractor who charge too much, etc. There are however, a select few who get it.

You want someone fixing your houses that wants to grow with you – I assume you plan on buying more than one investment. You want a team player that not only understands how to fix houses, has a team attitude, and enough of a foundation he can eat some of his mistakes. Why? Because no matter how hard you BOTH try there will be houses like mine with a $2000 roof overage. I made the contractor share the cost. It was an item he over looked.

Your contractor is also there to look at houses before you buy, give you a cost for repair, then to DO the repairs quickly and have the home shining for you tell sell it – in the shortest time possible, tick-tock.

SELLING – Who Will Sell It?

Choosing an agent to work with is much like finding a contractor. There are people that specialize. You want an agent that works with investors when you are buying. But, you also want an agent capable of selling your house when it’s ready to go back on the market!

RECAP

MONEY, how will you pay for this house? – You can use private/hard money lenders, bank loans, or cash. Yours or a partners.
FIX IT, who will be doing the rehab work? – Find your team. Shop around. Ask for referrals, there ARE good contractors with great prices.
SELLING, who will sell it? – The agent that helps you buy can also help you sell. Again, shop for an agent who works with investors.
DISCOUNT, how much under value? – Your discount may change based on your cost of money. I would never pay more than 75 cents with repairs.

In closing, this article was not meant to give you every answer about buying real estate for profit, but rather a glimpse at how you can win today. Again this is but one recipe for buying and selling houses. You must find the one that works for you. “Can you make money in this market?” You bet!

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We hear the term “investment bank” on a daily basis. Investment banks are vilified for their role in the financial crisis and criticized for the profits they reap and the large compensation packages for their employees. But many people have no idea what an investment bank is or what it does. Let’s take a look at the role investment banks play in the financial services industry and the economy at large.

So what is an investment bank? First of all, investment banks are very different than the commercial banks we are all familiar with. They do not take deposits like the retail bank on the corner. Instead, investment banks primarily assist in the buying, selling and issuing of securities — that is stocks, bonds and similar financial instruments.

Investment banks assist companies and institutions on “buy side” and “sell side” activities. The buy side refers to the advising of institutions concerned with buying assets and securities. Entities that engage in buy side activities include private equity funds, mutual funds, hedge funds, pension funds and proprietary trading desks. The sell side refers to a broad range of activities, including broking and dealing securities, investment banking, advisory functions and investment research.

The core functions of an investment bank include investment banking — otherwise known as corporate finance — sales and trading and research. Some larger investment banks also perform other services like investment management or merchant banking, but let’s take a closer look at the core three.

Investment Banking (Corporate Finance)

Investment banking can be a confusing term because many people use it to refer to any activities performed by an investment bank. More specifically, though, investment banking refers to assisting companies with raising capital and giving advice on mergers and acquisitions.

The corporate finance or investment banking department of an investment bank is the group that works with a company to put together an initial public offering (IPO). Or, if a company already has public stock outstanding, they might put together a follow-on offering, which is simply an additional issuance of stock shares. The corporate finance department can also help companies raise capital through private placements, which often involve securing capital from private equity groups.

Should the ownership of a company seek to sell the entire enterprise, the corporate finance department can also advise on M&A transactions. They can help identify potential buyers and negotiate a sale of the entire company. Likewise, if a company is in the market for acquiring other enterprises, this group can advise on acquisitions.

Another service that the corporate finance department of an investment bank might offer is the delivery of fairness opinions. In a fairness opinion, an investment bank will perform an analysis of a potential acquisition and render an opinion as to whether a reasonable price is being offered for the target company.

Sales and Trading

Sales and trading is perhaps the primary service that an investment bank can offer. There are often two major divisions within sales and trading — institutional and retail. The institutional division buys and sells financial products for institutional clients such as mutual funds, pension funds, etc. The retail division buys and sells financial products for retail investors. Stock brokers fall into this area.

The sales and trading department of an investment bank engages in market making. Market making involves buying and selling financial instruments in order to make an incremental profit on each trade.

Sales and trading can also engage in proprietary trading. Proprietary trading involves a special group of traders who do not work with clients. These traders take on “principal risk”, which involves buying or selling a product and does not hedge his total exposure. By managing the amount of risk on its balance sheet, an investment bank can maximize its profitability.

An investment bank’s sales and trading department also interacts with the corporate finance department on the issuance of IPOs and follow-on offerings. It is the sales and trading department that builds a book for a particular stock by calling up institutional and retail investors to judge the interest for the offering. They then price the initial sales value on the day of the offering and begin selling the new shares to their clients.

Depending on the size of an offering or the desired mix of investors for the offering, several investment banks may be involved in issuing shares to the public. This group of banks constitute the syndicate and are responsible for selling the shares involved in the offering.

Research

The research department of an investment bank is staffed by research analysts. These are the people who often appear on business news programs and talk about the performance of a particular company or stock. The role of the research department is to analyze companies and writes research reports that discuss their performance potential. These reports often include a “buy” or “sell” recommendation.

The research department on its own does not generate a lot of income. What it does do is influence trading volume, which results in more fees for sales and trading. When a research analyst changes his or her recommendation on a stock, many investors will then act on that recommendation and the sales and trading team earns more in trading fees.

There exists, however, a conflict of interest between research and other parts on the investment bank. If an investment bank were about to issue new shares of stock for a company, for example, the research analyst could put out a strong recommendation for the stock just prior to the offering, and the bank could get a better price and potential earn more fees.

Likewise, if the proprietary trading division wanted to boost the return on their holdings, they could have research analysts recommend some of the stock they held as a buy. There are a number of areas where the research department could be used to mislead investors and earn more profit for the investment bank.

To circumvent these conflicts of interests, regulators have insisted that investment banks implement a “Chinese wall” in their firms. The Chinese wall keeps information about the investment bank’s corporate finance and sales and trading activities from passing through to the research department.

A Chinese wall also exists between the corporate finance and sales and trading divisions because many corporate finance activities involve non-public information that could be used to profitably execute trading strategies.

A World without Investment Banks

Without investment banks, companies would have a much more difficult time with raising capital. Likewise, the general public would have a hard time investing their money in anything other than a savings deposit.

Without investment banks, only very large institutions or very wealthy individuals would be able to structure the same financial transactions that occur every day with an investment bank.

In short, investment banks drastically speed up the flow of capital throughout the economy and allow businesses — and our savings — to grow more quickly. As complicated as all these activities may seem, they only scratch the surface of all the intricacies of an investment bank.

But the next time you hear that some investment bank advised on the sale of a company or generated several billing dollars in trading fees, at least you’ll have an idea of what they’re talking about.

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Welcome, Are you interested in making an Online Income? If so, the below article should be of some interest to you. When you have finished check out our other Online Income articles

Making an online income has been seen as being unrealistic, but today more and more people are looking to make an online income to supplement their regular income.

You may be wanting an extra source of income or just looking to leave the 9 to 5 world. There are benefits no matter what your reasons for wanting an online income.

You are your own boss.

- You directly control how much you make.

- You choose the type of work you want to do.

- No commuting.

- No special dress code.

The different types of income online range from easy programs to telecommuting positions. These telecommuting positions work much like a job outside the home. Residual income can be made by selling a product through a website that belongs to another company. This type of income keeps rolling in even if you’re not doing anything to promote the product. It’s setup and runs on automatic pilot. As long as people are visiting your site and buying what you offer, you make money.

Another type of online income is a business opportunity
A business opportunity is like residual income but with a business opportunity you have to continuously work to sell your products. Unlike residual income you must react with your clients and can also sell offline. With these types of programs there is usually an Investment required. With these opportunities you are essentially building your own business.

You must, however, take into consideration what kinds of offers you are choosing. The wrong kinds of offers will probably demoralize you and throw a large roadblock in your attempts to achieve online income.

First of all you should only pursue offers that are less than $300 to begin with. It is commonly thought that the more you spend the more you can earn. This isn’t necessarily so. On your first encounter with the online world you should spend less and be cautious.

Also you should always look for good quality offers, and most importantly get a program that offers a money back guarantee.  Good, quality offers will always have a money back guarantee.

You should also get offers that offer support and training. This is invaluable if you have problems with the program. Also look for offers that use video tutorials. With these videos you can benefit by being able to watch over the shoulder of someone with expertise gaining the knowledge you need to succeed.

Online income can give you a great way to build your finances. There are many income opportunities out there. So you should be able to find something that works for you. Just be careful and check out the opportunity thoroughly.

Thomas Morris is an online marketer. Discover the truth about making online income by visiting  http://makeonlineincome.weebly.com. It is possible to find ways of making online income.

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Investment corporations, also known as investment funds, are institutions of collective investment. They gather capital from the public to reinvest it collectively and diversely, therefore the investment risks are lower and the returns to the investors are in theory going to be enhanced. It is a Panama vehicle to raise third party investment funds.

Definition – An investment corporation in Panama is any judicial person (corporation or foundation), trust or contractual agreement that, through the issuance and sale of its own participation quotas, is dedicated to the business of obtaining monies from the investment public, through one time payments or periodical payments, with the object of investing and negotiating, either directly or through investment managers or administrators, investments in securities, bonds, options, futures, metals, real estate or any other recognized investment medium. The Panama investment corporations are entities that gather funds from the public to reinvest them collectively. The intent is that they can offer lower risks and costs of administration (reduced trading commissions for instance) and a professional capability of investment analysis, administration, follow up and financial control of the investment.
Investment Corporations Conducting a Public Offering in Panama

It is legally understood that a public offering of participation quotas of an investment corporation is taking place when it or its investment administrator, or another entity on behalf of it, offers securities through marketing and promotion activities in the territory of the Republic of Panama. These marketing and promotional activities are any form of communication targeting potential investors with the object of promoting the subscription or obtaining participation quotas (investments) in an investment corporation vehicle, and will be considered to be in the territory of the Republic of Panama as long as it is addressed to people domiciled in Panama. This is probably not of interest to many of you since you are reading this in English not Spanish. It is useful to read through this article to see how the law operates and how one can be excluded from registration which will probably be of great interest to you.

An investment corporation is considered to be administered in or from Panama when one of the following applies:

1. That the investment corporation designates an investment administrator in the Republic of Panama.
2. That the principal domicile of the investment corporation is located in the Republic of Panama, or the prospect or any other advertisement material indicates that it is located in Panama.
3. That the investment corporation designates a custodian in the Republic of Panama
4. That the directors necessary to adopt a resolution of the Board of Directors of the investment corporation have their domicile in Panama.

Investment Corporations Requiring Licensure with the Panama Securities Commission

1. Simple Investment Corporations: Only have one type of participation quotas and one investment portfolio.
2. Umbrella Investment Corporations: Have multiple series of participation quotas with different investment portfolios.
3. Multiple Class Investment Corporations: Have multiple series of participation quotas, each one of those series with different terms regarding the payment of commissions and subscription fees, redemptions and administrative fees.
4. Principal Fund Feed by other Funds: This is best described as an investment corporation that invests in other investment corporations.

Requirements for the Registration of an Investment Corporation in Panama

1. Name and incorporation information.
2. Legal and commercial domicile of the corporation.
3. Designation of an investment administrator who will have to have a License issued by the National Securities Commission. When the investment corporation will be administered for itself, the documentation regarding the person who will be the principal executive and the compliance officer must be submitted.
4. Designation of a custodian for the investment corporation.
5. Identification of the type of fund.
6. Authorized share capital and minimum capital to initiate the operation.
7. Amount of participation quotas required to be registered for public offering and value of the initial offer.

Documents to be Submitted with the Application

1. Authenticated copy of the articles of incorporation, which must establish that the corporation will exclusively operate as an investment corporation and the accounting books will be kept in Panama. Must be in Spanish but a certified English translation can be obtained.
2. Copy of passport or Panama Cedulla of Directors.
3. Audited financial statements or audited initial balance.
4. Curriculum Vitae of Directors and Dignitaries and Legal Representative.
5. Informative prospect of the investment corporation.
6. Signed contract with the investment administrator and signed contract with the custodian.
7. Draft Code of Conduct for those investment corporations that will assume their own administration and representation.
8. Advertisement and other publicity material that will be used by the investment corporation (everything that will be used even once).
9. Draft of the investment contract to be subscribed to every potential investor.
10. Draft Minutes of the Board of Directors establishing all terms and conditions related to the operation of the investment corporation.

Private Investment Corporations ? Registration Exempt

This type of investment corporations are not required to be registered in the Securities Commission and therefore are not subject to the rules that applies to registered investment corporations found above.

The Commission can sanction any representation or declaration that the investment corporation does, stating that it is registered in the Commission.

It is considered to be a private investment corporations when it is administered in the Republic of Panama or from the Republic of Panama, and has participation quotas that are not offered in the Republic of Panama and that its Articles of Incorporation includes one of the following two dispositions:

1. One disposition that limits the amount of effective owners of its participation quotas to 50, or that stipulated firmly that the offers for the investment will be done through private communications only and not through public communication such as web sites, newsletters, print or media ads etc.
2. A disposition that establishes that its participation quotas will only be offered to qualified investors in minimal initial investment amounts of $100,000.

The private investment corporations must designate a representative in Panama, who can be an licensed investment administrator, a securities house, a licensed investment advisor, a licensed Bank, an Accountant or a Lawyer, who must be able to dully represent the investment corporation before the Securities Commission at any time.

They must provide copy of the Articles of Incorporation, the Offering Prospectus, Audited Financial Statements, name and address of Directors. Yearly audited statements must be submitted.
Self-Administered Investment

When the investment corporation decides not to use an outside investment administrator, it must comply with the following:

1. The investment corporation must have at least 3 members of the Board of Directors, all of whom must have renowned business and professional honorability. They must be able to demonstrate that they are reputable well-regarded business professionals. This is generally established with reference letters, education and professional licensures.
2. At least one third of the members of the Board of Directors must have adequate knowledge and experience in fields related to securities market and financial market in general. This would be established through professional licenses, work experience, references and education.
3. Have a complete administrative and accounting organization, in addition to technical (Information Technology, Legal) and human resources for the administration of the investment corporation. They must be able to clearly demonstrate that all the pieces are in place to be able to competently and profitably administer the investment.
4. An internal code of conduct.
5. Designate a compliance officer that can ascertain all investment and due diligence requirements are being complied with.

This document was basically translated from Spanish Legalese and putting it into English Legalese which if you have ever tried it you would know it is not easy so do feel free to ask questions.

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Hello, Welcome to our articles about Pensions. We hope these will be of some value to you.

A QROPS Pension Transfer is a transfer of a UK Pension, or a “frozen” UK pension into another HMRC approved pension scheme, in a jurisdiction outside of the UK. QROPS means Qualifying Overseas Recognised Pension Scheme, and is a fantastic option if you have left the UK or are planning to leave the UK within 12 months.

If you have the option and qualify for a QROPS Pension Transfer, it is something that you should definitely consider as the benefits far exceed the costs, and it is an easy way to increase the value of your estate.

The reason that a QROPS Pension Transfer is such an attractive option is due to the limitations and restrictions placed upon an existing UK Pension or “frozen” UK Pension. Most people have a minimal understanding of UK pensions, and as a result are ignorant of the limitations. Once they understand the limitations of their current pension scheme and how a QROPS works, it becomes apparent why 90% of people who qualify for a QROPS Pension Transfer, utilise the option.

Each existing scheme is limited both by UK Pension Regulations, as well as the specific regulations of the individual pension scheme. These regulations can be summarised as follows:

You have to take an annuity by age 75, or face an 82% tax charge! Annuity rates in the UK are very low (between 2 to 3%) and this annuity is taxable. It can be taxed at 21%! You can take a tax free lumpsum of 25% at age 50 (or 55 depending on when you were born) Pension fund managers try to grow the pension funds, by slightly more than inflation. Thus, before you retire, you can expect minimal growth on your pension value. In recent years many funds have lost over 20%, meaning that people are unable to retire when they wanted to. There is a pension crisis in the UK, and due to the ageing population and more people withdrawing funds, than contributing, many pension funds run the risk of being depleted before you retire. Thus, you may not have any pension at all. What most people don’t realise, is that if you die, 50% of the funds will go to your spouse, and the remaining 50% will return to the pension company. In many instances pension company’s even add the clause that it will pay 50% to your first spouse. (i.e. if you have remarried, your spouse will get nothing if you die) If you and your spouse die (i.e. in an accident), 100% of the funds will go to the pension company. Nothing will be in your estate to pass to your beneficiaries.

In 2006, the UK Government introduced QROPS Pension Transfer legislation. If you qualify, this allows you to transfer your UK Pension to another jurisdiction with greater flexibility and less restrictions. For the first five tax years (6 Apr to 5 Apr), the QROPS Trustees are required to report any withdrawals or contributions to the HMRC. However, after these 5 years, they are no longer required to report to the HMRC and you will now have effectively 100% control of your pension.

One of the most important considerations of a QROPS is the jurisdiction of the QROPS Pension Transfer. You need to ensure that it is safe, secure and has similar financial principles to the UK. Many individuals have moved their UK Pension to a jurisdiction such as Thailand or New Zealand, and have found that they have lost much of the value, due to a weak currency. Other jurisdictions have a higher tax charge, or even more restrictions than the UK. Thus, you need to carefully consider the jurisdiction that you want to transfer your UK Pension to, and this should be discussed with an adviser.

One of the most popular jurisdictions is Guernsey, due to their strong investor principles, established financial security, and the fact that they have worked closely with the HMRC to ensure a robust QROPS framework.

Guernsey was recently voted the top financial jurisdiction in the world, even ahead of the UK! If you do a QROPS transfer to Guernsey, you can keep your pension in a safe, neutral jurisdiction, in a currency of your choice. Thus, wherever you are in the world, or how often you may move, you know that your pension will be safe.

Who Qualifies for a QROPS Pension Transfer?

If you are between the age of 18 and 75, and are a non-UK tax resident, or are planning to leave the UK within the next 12 months, you can qualify for a QROPS Pension Transfer.

If you are a citizen of either Canada or the US, you will require specialist financial advice and will need to discuss this specifically with your financial adviser.

What are the Benefits of a QROPS Pension Transfer?

The benefits of a QROPS Pension Transfer are numerous, and depend upon the jurisdiction chosen. These benefits can be summarised as follows:

No need to purchase an annuity. (although you can if you want to) Tax-efficiency (this saving alone, will generally cover all the QROPS costs) Higher Investment flexibility. (instead of beating inflation, you can now target higher returns, with more stable investments) Consolidate multiple pension funds into one. All assets within the QROPS are distributed to your Named Beneficiaries on death. 100% control after 5 years.

Thus, if you consider the benefits, as opposed to keeping your Pension in the UK, you can now understand why a QROPS is so popular.

What are the Costs of a QROPS Pension Transfer?

The costs of a QROPS Pension Transfer depend on the value of your UK Pension. If you consider costs as a percentage of the pension value, then the higher the pension value, the lower the costs.

Each specific QROPS scheme varies and has different costs and flexibility. Generally, costs are comprised of three components:

A fixed setup cost. An annual management cost The underlying fund charges. (these depend on the funds chosen)

If you consider the benefits of a QROPS Pension Transfer, the costs should not be the consideration. However, there are many advisers who advise schemes with extortionate costs, that aren’t necessary. The key thing that you need to consider is the flexibility and restrictions of the QROPS scheme that you are transferring your UK Pension or “frozen” pension into. These restrictions depend on the jurisdiction, and we have found Guernsey to be the most favourable. Due to the fixed setup costs, it is generally advisable that pensions in excess of £25 000 be considered. If you have multiple pensions you can combine these to reach this figure, and if your value is a little less, you can make an additional contribution. Remember, that you will now have a tax-efficient, structure with diverse funds and flexibility that are generating a better return. This structure is a good savings vehicle and adding additional funds, would be putting those funds to good use.

How do I go about a QROPS Pension Transfer?

The process of a QROPS Pension Transfer is a lengthy one, and one that you can’t do by yourself. You will need to be in contact with an authorised provider.

The first step of the process is to obtain a Pension Valuation, and the specific details of your pension plan. To do this you can complete a very simple form that provides authority to obtain a valuation. This form is completely safe, as it does not authorise for any transfers, but merely authorises the pension company to provide the information. The Pension Company will respond to this within 90 days.

You can either get your financial adviser to do this (which is expensive), or you can utilise the services of http://QROPS-Pension-Transfer.co.uk. They will obtain this information on your behalf and provide it to you or an accredited financial adviser of your choice. They offer you two options:

You pay £100 Or, you send an email to 10 friends informing them of the site.

Due to the fact that they are global and assist financial advisers around the world, they can also introduce you to an accredited financial adviser in your region/city, if you don’t already know one.

Once your adviser has this information, they can asses your specific situation and decide if it is in your best interests to utilise a QROPS Pension Transfer. If it is in your best interests, they will assist you to choose a jurisdiction, and setup the QROPS scheme/structure. Once this is complete, you can then discharge your existing pension and transfer the funds into the new structure.

90% of the time, it is in a client’s best interest to transfer their UK Pension or “frozen” UK Pension to a QROPS. However, some of the defined benefit, or final salary schemes were set with higher interest rates, and it may not be advisable to transfer in this instance. This however, is something you will need to discuss with your accredited financial adviser.

In Conclusion

If you have a UK Pension or “frozen” UK Pension and qualify for a QROPS Pension Transfer, it is important that you understand how it works, what are the pro’s and especially, what are some of the costs and restrictions. Most of this information is on the internet and if you spend a few evenings you should have a rudimentary knowledge. This article offers a high-level overview and is by no means comprehensive. Unfortunately, there are far too many sites with less information than this article on a QROPS Pension Transfer, and the only information they really provide is how to contact their adviser. The site that we mentioned above (QROPS Pension Transfer), that offers to obtain the information on your existing pension, also offers a wealth of knowledge, in an easy to understand and simple layout. They strive to be the most comprehensive QROPS Pension Transfer resource on the internet, and have either achieved this goal, or are extremely close. For those who have the time and inclination to delve further into a QROPS Pension Transfer, they have also offer a wealth of detailed information.

Feel free to send me an email at: qrops.pension (**at**) gmail.com

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Blogging for money with videos works in the same way as when you are creating a blog using texts. However, a lot of bloggers now prefer to use videos in their blogs because they want to give their audience a more interactive experience so that they can increase their chances of generating cash better.

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Of course you will still need to have a good content even if you are blogging for money with videos. Your content should be broad enough so that you can cover lots of topics but it should also be narrow enough so that you can just focus on the relevant ones. It is also important to choose a subject that you are very knowledgeable about but it does not mean that you have to be an expert on it. You only need ample knowledge so that you will have more credible video posts and your audience will not just be viewing a blog that is empty and will not learn anything from it.

With a steady and credible blog, there is a big chance that you will have loyal audiences that will follow your posts. However, you must also make sure that your audience will be willing to spend money. Not all of your audience will spend money on something because some of them will just read a blog for entertainment. However, in order for you to generate income out of your video blogs, you need to make money and you can do so by being affiliated with networks that can help you find product offers that are related to your blog’s content. Some of these platforms are very popular for people blogging for money with videos around the world and it is up to you which of them can give you the best offer. Some of the affiliate networks are Hydra Network, NeverBlue, and ClickBank, among other things.

Blogging for money with videos is a great way to start a blog because it can give you countless money-generating opportunities that are proven effective and really incredible.

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Welcome to our section devoted to articles on Investment. We hope the Investment articles are of some help to you. Continue to read the Investment article below.

Equity investment includes private equity (PE) investment and venture capital (VC) investment. In 2009, there were 542 equity investments occurred in China, including 114 PE investments and 428 VC investments; the equity investment valued US$22.4 billion, average PE investment was US$164 million, and average VC investment was US$8.8 million. The remarkable 19:1 gap between average PE and VC investments mainly resulted from the fact that PE investments are often made in the enterprises that are making profits and need larger amounts of money for mergers and reorganization, while VC investments mostly are financial investments made in the enterprises that are developing or expanding their business and require smaller amounts of money.In 2009, in terms of the number of equity investments made in China, the manufacturing industry got the largest share (19%), followed by the IT, Internet, energy, and healthcare industries; in terms of the amount of equity investments, the financial industry got US$18.36 billion, followed by the chain operation, energy, manufacturing, food and beverage industries.

From 2009 to 2010, among the equity investment companies in China, PE investment companies are mainly foreign-funded companies, while VC investment companies are generally Chinese-funded companies. The reason for foreign-funded companies holding a leading position in the PE sector is: PE investments often involve larger amounts of money, and compared with domestic companies, foreign companies have more solid financial strength. Famous PE investment companies include The Carlyle Group, The Goldman Sachs Group, Inc., and CDH Investments. The reason for Chinese-funded companies holding a leading position in the VC sector is: domestic equity funds were encouraged by the launch of GEM, while foreign companies were relatively cautious in venture capital activities due to the financial crisis. Active VC investment companies in 2009 included Shenzhen Capital Group, Legend Capital and Shenzhen Fortune Venture Capital Company Limited.

Shenzhen Fortune Venture Capital (Fortune VC) was established on April 19, 2000. Now, it manages seven funds, and is entrusted to manage the fund of nearly RMB3 billion. By June 3, 2010, Fortune VC had invested in over 70 SMEs , 11 of which went public successfully, including COSHIP Electronics, Talkweb Information System, Joint-Wit Medical & Pharmaceutical, Fujian Sunner Development, EVE Energy, Aier Eye Hospital Group, ChinaNetCenter, BlueFocus Communication , Sumavision Technologies, H&T Intelligent Control, and Kingold Jewelry (NASDAQ-listed). The eleven enterprises plus the Xi’an Dagang Road Machinery that was approved the listing by China Securities Regulatory Commission on May 28, 2010, are expected to deliver at least a 15× ROI on average.

Table of Contents

1. Equity Investment Overview
1.1 Definition
1.2 Classification
1.2.1 Private Equity
1.2.2 Venture Capital
1.2.3 Difference between Private Equity and Venture Capital
1.3 Equity Investment in China
1.3.1 Private Equity
1.3.2 Venture Capital

2. Equity Investment Policies in China
2.1 National Policies
2.2 Regional Policies

3. Equity Investment in China, 2009
3.1 Scale
3.1.1 Private Equity
3.1.2 Venture Capital
3.2 Industries
3.2.1 Comparison of PE and VC by Number of Investments
3.2.2 Comparison of VC and PE by Amount of Investments
3.3 Stages
3.4 Regions
3.4.1 PE
3.4.2 VC
3.5 Chinese and Foreign Investors
3.5.1 PE
3.5.2 VC

4. Equity Investment in China, 2010
4.1 Scale
4.2 Industries
4.3 Stages
4.4 Regions
4.5 Chinese and Foreign Investors

5. Equity Investment in Key Chinese Industries
5.1 Healthcare Industry
5.1.1PE
5.1.2 VC
5.2 IT Industry
5.2.1 PE
5.2.2 VC
5.3 Energy Industry
5.3.1 PE
5.3.2 VC
5.4 Internet Industry
5.4.1 PE
5.4.2 VC
5.5 Media & Entertainment Industry
5.5.1 PE
5.5.2 VC

6. Key Private Equity Investment Companies
6.1 Carlyle
6.1.1 Investments
6.1.2 Carlyle Asia Partners III
6.2 Goldman Sachs
6.2.1 Profile
6.2.2 Investments and Exits
6.2.3 Preference for China after the Financial Crisis
6.3 CDH
6.3.1 Profile
6.3.2 Investments
6.4 Warburg Pincus
6.4.1 Profile
6.4.2 Investments and Exits
6.5 New Horizon Capital
6.5.1 Profile
6.5.2 Investments
6.6 Baring Private Equity Asia
6.6.1 Profile
6.6.2 Investments and Exits
6.7 CCB International
6.7.1 Profile
6.7.2 Investments
6.7.3 New Funds
6.8 TPG
6.9 Prax Capital
6.9.1 Profile
6.9.2 Investments
6.10 Beijing Hony Future Investment Advisor Limited
6.11 Hopu Investments Management Company Limited
6.12 Bain Capital
6.13 CITIC Capital Holdings Limited
6.14 Trustbridge Partners
6.15 Temasek Holdings

7. Key Venture Capital Investment Companies
7.1 Shenzhen Capital Group
7.1.1 Profile
7.1.2 Investments and Exits
7.2 Legend Capital
7.2.1 Profile
7.2.2 Investments
7.3 Shenzhen Fortune Venture Capital Company Limited
7.3.1 Profile
7.3.2 Investments
7.4 Kunwu Jiuding Capital Company Limited
7.4.1 Profile
7.4.2 Investments
7.5 Orchid Asia Group Management Limited
7.5.1 Profile
7.5.2 Investments
7.6 SAIF Partners
7.6.1 Profile
7.6.2 Investments
7.6.3 Mass PRIM Investment in SAIF Partners IV LP
7.7 China Science and Merchants Capital Management Company Limited
7.7.1 Profile
7.7.2 Investments
7.7.3 RMB20 Billion of Liaoning Coastal Economic Zone Development Fund
7.8 IDG Capital Partners
7.8.1 Profile
7.8.2 Investments
7.9 Intel Capital
7.10 Sequoia Capital China
7.11 Green Pine Capital Partners
7.12 Tiantu Capital
7.13 Cowin Capital
7.14 iD TechVentures
7.15 SB China Venture Capital
7.16 DFJ

8. Development Trends of Equity Investment in China

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