Posted 1 year, 3 months ago at 11:55 am. 0 comments
Property finance can be rather complicated, especially if you don’t understand the basics of home loans. Before signing that contract, you should do adequate research in order to find the best possible mortgage finance available in South Africa.
Buy versus Rent
Although renting a property often seems simpler than buying, the fact remains that at the end of the day you don’t own the property. Renting has the benefit of mobility should your career or lifestyle demand it, but as a lessee, you have minimal rights and most of the time you are at the mercy of an unscrupulous landlord.
In South Africa the property market has seen a lot of changes over the past few years, and indeed the property finance market has undergone many ups and downs in this time too, but there has been consistent growth overall in property values.
Therefore investing in a property rather than just renting it will, in the long-run, make more financial sense.
How a home loan works
A very basic definition of a home loan is that it is a financial loan from an established institution in order for you to purchase a house.
When your home loan or bond has been approved, the balance owed for the purchased house is paid by the lending institution directly to the seller. This holds you liable to pay the home loan provider according to the contract’s installment agreement. The installments may fluctuate according to variable interest rates. What you need to acquire is a loan package that has the best interest plan for you.
The bank will hold onto the deed to your property until the bond has been paid in full. During this period you cannot alienate the house, which means that you cannot change any of the conditions stipulated in your contract including renting out the property or undertaking major alterations without consulting the bank first.
Equity affects your alienable rights over the property. In other words, until the whole the mortgage is paid in full, you cannot be granted full equity, but can only alienate a portion of the property estimated to the value of the equity you have accumulated.
In South Africa, the major banks offer a variety of home loan options. You need to ascertain which one of these will best suit your financial needs by educating yourself about the pros and cons of each of the options available.
The four major types of home loans are:
- Variable interest rate home loans;
- Fixed interest rate home loans;
- Capped interest rate home loans; and
- Reducing interest rate home loans.
Mortgage Evolution
There are also different ways of going about applying for a bond. You can either decide to do all the work yourself, or you could use a mortgage broker or take advantage of the next step in mortgage evolution - an online mortgage originator.
If you decide to apply for your home loan independently, you’ll have to approach each loan institution to which you’d like to apply for different quotations and information. This process can be quite tedious and you’d have to approach several banks so that you can suss out the most suitable option for you.
Another option is to utilise the expertise of a mortgage broker. They’ll apply on your behalf to the banks, and will then be able to give you a list of options and offers. You can then choose the option you feel would be best suited to your needs.
The last option, and definitely the easiest way to apply for property finance is through an online mortgage originator. Mortgage originators are giving the power back to the average investor and it is definitely affecting the way home loans are processed in South Africa.
An online mortgage originator allows you to sit in the comfort of your own home while getting the mortgage process started. The mortgage originator will submit your application to all the home loan institutions in South Africa on your behalf. Apart from applying for home loans on your behalf, a mortgage originator would also be doing the negotiations with the different loan institutions on your behalf, securing you a better interest rate.
All you have to do is fill in application form after which the mortgage originator will start the process and negotiate the best available rates, leaving you to select the most suitable home loan option for you.
Author Bio
PropertyGenie is affiliated with ooba, a provider of home loans and mortgage finance in South Africa, offering you property finance without any complications.
Posted 1 year, 3 months ago at 11:21 pm. 0 comments
Remortgages have been around as long as mortgages and go through cycles of popularity in the UK. Before the property downturn in the 1990s the practice of remortgaging was fairly uncommon; in that sluggish market many lenders realized that the only way to increase their business was to tap into their competitors’ existing client base and this is how remortgage popularity increased. It was common then for lenders to include punitive redemption penalties but this practice has decreased and high costs only really apply to premature extraction in the duration of the introductory deal rather than the entire length of the mortgage. This increased flexibility has resulted in a huge increase in remortgages in the UK so that they account for roughly 40% of current mortgages, but the credit crunch is impacting on this market.
Up until the recent credit crunch UK remortgages had been seen as a relatively inexpensive way of releasing limited amounts of the property’s equity for relatively large capital projects such as an extensive redecoration or extension to the property, car purchase or a one-off high cost holiday. As mortgage rates have risen, though, this type of remortgage route has diminished in popularity and really should only pursued if essential.
By far the most common remortgage is when the homeowner seeks to lower the cost of their mortgage when the introductory term has come to an end or when the homeowner seeks to move house. In these circumstances it is likely that the homeowner will remain with their current lender and often the mortgage lender will contact the borrower regarding the remortgage. However, the borrower has no obligation to remain with their current lender and can shop around for better deals.
The UK remortgage market is being impacted by the credit crisis; the days of cheap cash are over and the costs are being passed onto the end consumer. Some borrowers who had mortgages over 100% of the value of their property will now not be able to remortgage to a similar level - very few lenders will now exceed a 95% remortgage level. A corollary to this is that the more you borrow, the greater the costs to do so. For example, lenders can take out Mortgage Indemnity Guarantees (MIG) if they borrow more than a certain amount to insure themselves against possible default.
As a general guide for the borrower, now that the financial situation has downturned remortgage UK should only be an option undertaken out of need rather than luxury as ultimately your home is at risk if you do not keep up with the repayments.
Aaron Hill has a decade of experience in the financial services industry. His main area of expertise is mortgage advice and writes many articles on mortgages for finance industry, mortgage brokers and the general public alike.
Posted 1 year, 3 months ago at 10:52 am. 0 comments
Exchanging Currency from Pounds to Euros can appear simple and easy, but without proper precautions you could lose out on a poor exchange rate and lose as much as £10,000 per £100,000 exchanged.
With the best respect in the world our high street banks have been doing a great job over the past four decades as people have been buying property abroad. Since the 60’s they have dominated the currency exchange market. Basically… and to their credit they have a reputation far and beyond any other organizations.
However since the change of the century, building societies have led the way in competing with the banks. As far as economics, such competition makes the market place more competitive. From a Currency Exchange point of view they are also beginning to lose out on transfer of money; especially on purchases of property abroad.
I can give you a 1000 words, but none will promote the Currency Broker better than genuine examples:
Case Study
In August 2007 there was Jayne from Southampton, she was buying a property in Almeria, Spain. Her transfer was for a villa at £325,000; a superb 5 bedroom villa with sea views. Her bank had frightened her with the exchange rate, so she decided to look elsewhere; fortunately she came to a Currency Broker’s website. She was offered an exchange rate of US ¬1.39 / £1; they were able to offer ¬1.41 / £1. This meant had she continued with the bank she would have realised ¬451,750 - however fortunately the broker service could manage ¬458,250; saving Jayne ¬6,500 (£4,600)
Case Study
Margaret and her husband Roy were buying in the Majorca in December 2007; they were buying a 3 Bedroom apartment on a top class complex, swimming pool, bar, shops etc. The property in Majorca is expensive so a three bedroom apartment was priced at £265,000. Newly retired they wanted the best deal on their currency exchange. Their bank had quoted ¬1.31 / £1 but the broker was able to secure at deal at ¬1.33 / £1. This meant the currency broker was able to save Margaret and Roy ¬5,300 (£3,900).
I hope these two case studies have helped your understanding on how important it is to get several quotes when exchanging currencies.
Before you read this article would you pay 5,300 for a service when purchasing a property abroad? Probably not… But some are, and the banks are laughing.
Pounds to Euros
Mr. P. Booker
Senior Currency Expert and Columnist
Buying Property Abroad
Posted 1 year, 3 months ago at 6:53 am. 0 comments
Premium financing is a process wherein the permanent life insurance policy premiums are being paid by some of the third parties or third party lenders and it is an excellent marketing idea. In other words it can also be put forward as premium financing is a process which aims to increase your insurance needs by the method of financing the insurance. Thus premium financing enables individuals, business firms and the large companies to purchase the insurance without having to sell or lock up the various assets.
The working of the premium financing works in the following way consider for example you are owning an insurance policy worth X amount of dollars and you can use the value of your insurance policy as a mode of collateral security which will enable you to finance other insurance policies. Thus in this way premium financing allows you with a wide range of insurance options open to you. There is no doubt that premium financing is very much cost effective. It is a very favorable financing option as you can secure a huge loan amount against the life insurance policy. It is quite important to understand that you are going to get a much better option or in other words you will get much better rate of interest and the term of loan for the secured and the unsecured financing.
However it is important that before getting a premium financing option you need to have a look at your financial needs and get proper advice before you go on with a financing option. There is this one question which many people have as to will it be required for them to purchase a new insurance policy or can they get the service of premium financing on their existing insurance policies. Well the answer to this simple question would be that at the time the practice of premium financing came into existence it was a requirement that you will have to purchase new insurance policies, but now this is not the case as you can get this option of premium financing on your existing insurance policy and there is no requirement for you to take the strain of going for a new insurance policy. This will again provide you with a very much better option that would not ask for your valuable possessions to be given as collateral security.
Some other people who really take the benefit of premium financing are the wealthy investors or the business owners. It is an extremely good option for the companies that do not want to tie up their assets to purchase the large amount of insurance policies. It is also a technique which is offered for the employees to be offered as a part of their wages. It allows the firms to attract new employees and help them retain their valuable employees. Premium financing is also used as a technique for estate planning, company expansion, attracting new employees and retaining their valuable employees.
Cathrine is a SEO Copywriter of Premium Financing. She has written many articles on Premium finance service, Life Settlement Broker, Life insurance settlements, …etc. For more information visit: Premium Finance or email us at lumlaatseg@live.com
Posted 1 year, 3 months ago at 9:13 am. 0 comments
Day trading is basically the buying and selling of stocks over a relatively short period of time, sometimes minutes. It was once only available to floor traders and investment banks but now the Internet has made day trading accessible to anyone with a computer system. There is good money to be made (and lost) using this method.
As an example, a day trader might buy 1000 shares of stock A at 10:00 as the price begins to move upwards on good news, then sell it at 10:04 when the stock price has risen (for example, by $0.50). The day trader would make $500 profit, less his commission which with today’s low commission rates of around $30 or less per trade, that’s a nice $440 or better, excluding taxes.
Day trading usually follows one of two approaches, either beating the spread or attempting to catch short term trends. The spread is the difference between what is being offered for a stock (the bid) and the price being asked for the stock (the ask). With spread trading, you attempt to buy at the ‘bid’ and sell at the ‘ask’ as many times as possible. Spread traders can make hundreds of this type of trade every day.
ECNs or Electronic Communication Networks are a recent development. They are completely electronic exchanges with very low commissions and very fast execution of orders. As a method of encouraging traders to use their networks, some ECNs offer incentives in the form of a rebate. In some cases, this can allow a day trader to make money simply from buying and selling a stock at the same price.
Day trading can be very profitable if you get it right, but you need to research as much as possible and take advantage of the free simulation software that is available for you to practice with before you take the plunge. Remember, day trading isn’t for the faint hearted!
To find out more about day trading software, take a look at my Day Trading Blog
Practice before you dive in with free simulation software at my Day Trading Blog
Posted 1 year, 3 months ago at 11:26 pm. 0 comments
There has been a lot of debate over the years as to whether or not gold is worth investing your money in. Some make the claim that it makes an excellent hedge against inflation; others might say that you can use it as a quick fix for some extra cash. And then there are some that invest in it when the economy is bad because they feel if everything crashes, at least their gold will still carry some value.
So what is it? Is gold a good investment?
Well- let’s define “investment” first; really, it should be categorized into a couple of different perspectives. We either invest with a long term approach, or we invest with a short term, turn a quick profit approach. In this article, we’ll explore both the short term and long term approaches to using gold as an investment.
Before we consider the above, let’s look at how gold has been performing throughout the years and use that data to consider the question.
First, if we were to take all of the years that gold’s worth has been calculated up to the present, we would find that gold has improved in value at about 2% annually. In the last 50 years, things have been a little bit better, as gold has been increasing at about 4% annually. So would it be a good long term investment? Doubt it… most good index funds (something that might follow the S&P 500, for example) have been increasing on average at 12% annually in those same years. Do your research- you’ll find the same data.
Here’s another interesting thing: if you would have bought a bunch of gold back in 1983, you would have purchased it for roughly $510 per ounce. Thinking that it might be “a good hedge against inflation,” you hold that investment for the next 20 years or so. By the end of 2005, if you were to have attempted to sell that same gold, you would have made literally NOTHING! That’s right- in December of 2005, gold was being sold at $515 per ounce!
If you take inflation running at about 3% into account, you’d have found that gold would have lost you a substantial amount of money.
Is good a good investment? Considering the numbers, it wouldn’t be good long term.
How about gold as a short term investment? Currently, gold is being traded for roughly $875 per ounce! In the last several years, it’s been increasing at an astounding rate! So now would be a good time to buy, right? Absolutely not! It’s only been in the last few years that it’s really gained any ground; if you look into history, anytime gold begins to look up, it ends up taking a hard fall. If you would have bought gold in the last couple of years, now might be a good time to sell it!
But what about now? Should you buy it? Well… you decide. Typically, I like to buy low and sell high; don’t we all? So… with gold being as high as it is, the worst decision you could make would be to buy it. Don’t touch it!
So, in short, is gold a good investment? Absolutely NOT! Stay away from it.
Trever Shipp, the author, works as an online business consultant, student, husband, and business owner. Follow his personal finance blog and see how he and his family take finances by the horns and steer them to success.
Posted 1 year, 3 months ago at 8:58 pm. 0 comments
For the past five years my sole source of income has been profits made from trading on the forex market. Over that time period, many people, perhaps somewhat envious of my ability to earn money from home without having to report to a boss, have asked me what it takes to trade for a living. How can one arrive at a point where one feels confident enough to leave ones regular employment, strike off on ones own with no guarantee of a regular paycheck, and put what might conceivably be ones entire savings up to that point at risk in the markets?
While I unfortunately cant actually give you confidence in your ability to make it on your own, nor the stomach to risk your hard earned savings, I can tell you the practical steps that I took to get where I am today. These steps do not include the obvious ¨learn of the existence of the forex market¨, as presumably you already know something about forex trading, or you wouldnt be reading this article.
Furthermore, while these steps have been applicable to trading the forex market in my case, one could easily apply the same principles to becoming a professional trader in the equities markets, derivative markets, etc.
Step 1) Start saving your money.
To trade professionally you need a bankroll, and one that is large enough to withstand the ups and downs that are a natural part of trading. For me, this was easy. I had been putting money aside ever since I started working. Those like me that have been raised to understand and appreciate the value of saving, will accomplish this quite naturally. However, if you are a habitual spender and are accustomed to living paycheck to paycheck without putting anything extra aside, be prepared to expend some serious effort curbing your habits and learning to save instead of spend. How much money will you need? Unfortunately I cant answer that specifically because it will depend on the trading strategy that you use, the amount of leverage you plan on trading with, and the amount of money that you need to take out in profits. You should count on having a bare minimum though, of a full six months salary saved up before beginning full time trading. One years salary would be still better. Keep in mind that the larger your bankroll, the more money you can earn without risking an unnecessarily large percentage of your bankroll.
Step 2) Get an education.
You cant start trading before you know something about the market you are trading in. This education does not have to be formal (as in University classes), and you do not have to understand economic forces as well as Alan Greenspan prior to getting started. You should, however, have a basic understanding of why the market that you are trading in exists, how buying and selling on that market works, and the strategy that you are going to employ to take your profits out of the market. There are a lot of totally free resources on the internet that are worth your time to read (and there are a lot of opinions and ideas that are NOT worth your time, but reading some of those that are not worthwhile is part of the process of developing
discernment about what is and is not a good resource).
There are also some inexpensive trading courses on the internet that are useful. Part of the education process is coming up with a trading strategy that you are comfortable with, as well as a money management strategy to ensure the long term viability of the trading strategy. There are many good trading strategies out there, but regardless of which one you choose, you must understand that the traders that are successful cut their losses early and let their winning trades run. This can be somewhat more difficult than it sounds, but is really the key to making money trading.
Step 3) Sign up for a demo trading account and start practicing while you are not at your regular job (or, if you have free time and internet access at your job, WHILE you are at your regular job).
We list some good forex brokers at forex-rates, so if you are planning to trade currencies, be sure and sign up for a demo account with one of the listed brokers. In order to get a real feel for the trading strategy that you have chosen, you will have to do a lot of practice, so take your time with this step. Dont start trading with real money until you have an actual
history of successful demo trading
Step 4) If you are making money trading on paper and are comfortable with your trading strategy, go ahead and get started trading for real on a part time basis. Don’t include all of your savings as part of your trading bankroll yet. Start slowly and gain a comfort level. As your confidence builds, move money from your savings to increase the size of your bankroll.
Step 5) When you can estimate that your average gains from real trading (from step 4) are at a level where, if you were to trade full time using your current bankroll, you would be making profits that slightly exceed your current employment salary, you are ready to quit your job and trade full time. Remember, you want your trading profits to exceed your present salary. This will give you the opportunity to maintain your current financial level, but at the same time continue to increase your trading bankroll, which will enable you to earn more and more money as the size of your available funds grows larger.
It is important to have patience with yourself at each of the steps mentioned. Maintain emotional equanimity and understand that fear and greed are a traders most dangerous nemesis. If you can keep these emotions under control and maintain the discipline established while following these steps, you can look forward to making it as a professional trader.
Samuel Garcia is a full time forex trader based in San Jose, Costa Rica. He considers that being a successful trader is 90% due to proper money management and emotional discipline, rather than the trading strategy employed. Visit http://www.forex-rates.biz
Posted 1 year, 3 months ago at 10:30 pm. 0 comments
Besting: Better Nesting - an improvement in quality of housing with additional features and benefits. Amenity rich options that afford luxury and levels of comfort or pampering that reach beyond traditional housing.
Future Primary Residence: A second home today, that may or may not generate some rental income, but its primary purchase was for future personal use as a retirement residence. FPR is different from a traditional second home in that it is being interviewed and mentored for the day it becomes a full time home.
Cottage: The home you dream of being at while you are in the office. If home is where your heart is, your heart is up at the cottage, by the lake, overlooking the valley, next to the town, deep in the woods, perched on a bluff with the most incredible sunsets and sunrises from your hammock.
Pied a terre: If your dream home is in a vibrant city centre, with the vibe of culture at your doorsteps, then a pied a terre may be in your future. Typically a small, basic housing style - Besting suggests these properties are getting more luxurious in amenities and services.
Traditional Condominium: A cottage with less maintenance and a gardener who trims and weeds while you are back at the office. Legally a condominium is an ownership interest in a block of air, from painted wall to painted wall, and a right to use common areas owned by you and the other condo association owners. This is a form of ’shared ownership’.
Condo Resort Residence: A condo within a luxury resort, where you get a gardener plus pool boys, valet, and hotel amenities. Condo resort residences are typically not rented as part of the hotel rental program and are often in a separated area from traditional hotel or resort guests.
Condo Hotel: A condo resort residence within a hotel, rented nightly by the hotel management team while you are back at the office. Looks and feels like a condo, with multiple rooms, typically larger than 600 square feet, all amenities and services of the hotel.
Hotel Condo: Legally a condo within a commercial hotel, looks and feels like a hotel room or suite. Typically smaller than 600 square feet and does not have a kitchen. Often used as a pied Terre, a shorter stay vacation or second home, or a base camp for luxury living. Comes equipped with hotel rental program when you are back at the office or in your other hotel condo getaway locations.
Deeded Timeshare: Shared real or deeded real estate ownership and use rights of real property for a specific period of time. Often in vacation or resort markets. Most often refers to 1/52 share or 1 week of ownership rights. When sold as 1/52 share, the real estate value is often diluted by as much as 50% - i.e. a furnished $250,000 whole ownership condominium, which is converting and sold as timeshare will be sold at $9,600 per week ($9,600 x 52 = $500,000). As much as 50% of the retail cost of a timeshare covers sales, marketing and management expenses, because timeshare is more than real estate ownership it is a lifestyle product. $10 billion in timeshare was sold in 2006, up from $8.6 billion in 2005, this is a booming market.
Un-deeded “Points” Timeshare: Same as deeded timeshare, except the consumer receives a ‘right to use’ a property for a specific, typically long-term, period of time - i.e. 1 week of use for the next 10 years.
Vacation Clubs: Functions similar to a timeshare, club management buy timeshare interests from several resorts and then offers this time to club members. Club members do not get property deeds, but they do enjoy large discounts on vacation housing costs. Clubs are growing in popularity.
Fractional Ownership: Timeshare in bigger slices of ownership, and therefore more real estate at a value closer to whole ownership pricing. Fractional is typically ¼ to 1/13 share of deeded real property ownership. Fractional owners get a deeded ownership interest in a particular condo unit or property, when they come for their use time, this is solely the unit they use. ‘Why buy a whole pie if you only want a piece?’
40,000 households own fractional real estate, this is only 1% of the top earning households, fractional is poised for substantial growth.
Non-Traditional Fractional (NTF): Fractional shares smaller than 1/13 to 1/26 share. Bigger shares than timeshare, smaller than traditional fractional, 3.5 weeks or 2 weeks of use. NTF is often found in private residence club structures.
Private Residence Club: Fractional ownership in a resort project, with a deed to a particular condo, but with the right to use any available condo in the resort or a number of resorts within the club association.
Bob Waun is the author of a new book on this trend called: “Besting” http://www.betternesting.com . He is CEO of Vacation Finance, America’s First Second-Home Lender and a leader in the resort and second home industries.
Posted 1 year, 3 months ago at 8:58 am. 0 comments
Have you ever wondered what it would be like to live debt-free?
Maybe now is the time to stop wondering about it and start doing something to make a debt-free life a reality. In his book the Creature From Jekyll Island: A Second Look at the Federal Reserve, G. Edward Griffin talks of the banks long-range plans to control a heavily indebted world.
That heavily indebted world would be made up of heavily indebted individuals, like you and me. And if you look around you, the plan is already largely completed. Families the world over are indebted to credit card companies, auto lenders, (sometimes predatory) mortgage lenders, pay day loan stores and many others.
Sometimes there seems to be no escape from the incredible burden of debt. And if you aren’t perfect - for instance, if you have been late on your credit card payments a few times - it can get much worse. The banks and credit card issuers always seem to think that the perfect solution for someone who is struggling to make a $100 a month payment is to turn it into a $125 a month payment.
Raising interest rates on all of your credit cards through a trick called “universal default” is a method by which all of your lenders can profit by any slip-up on your part.
Wouldn’t it be nice not to have credit card payments? And wouldn’t it be nice not to have a car payment either? How about no payment on your home?
These aren’t just empty dreams. You can live a debt-free life. You just need a better plan to be free than the banks and credits have to enslave you. And they DO have a plan. If you fail to put a plan for debt-free living into action, the banks and creditors plan will succeed by default.
There’s an old saying that says if “You fail to plan, you plan to fail.” And that is because other people are making plans for you even as you don’t have a plan for yourself. Take a moment and make a plan to be debt-free. Your happiness depends on it.
Bob Stovall is the founder of 12StepsToDebtFreeLiving.com, home of the 12 Steps to Debt-Free Living program. Tools, resources and a forum are just part of this program designed to free anyone from debt forever.
Posted 1 year, 3 months ago at 7:05 pm. 0 comments
Trading eminis can be a very profitable occupation, but it takes a hard work and a lot of determination to become a consistently profitable trader. Not to mention that you also need a strategy that would guarantee a positive edge over a longer period of time. It is not easy to combine all these elements into one robust package and so no wonder that many wanna-be traders fail at this endeavor rather miserably.
When this happens, they invariably turn to more accomplished traders, or at least those who act like that, for help. Little do they know that this may turn into perhaps the biggest mistake they can make for it very often sets them on the path of seeking the holiest of holy grails, a trading method that never fails. And while the method like that simply does not exist, it is not impossible to come across those who offer it for sale.
There is only one way you can become a profitable trader, your own unique way. I wish more books and trading courses emphasized this aspect of trader development, but, alas, that is not the case. There is, however, one book, that does so splendidly and even though it does not address trading eminis directly, I recommend it wholeheartedly. This book can be obtained online in its digital form. It is called “Bird Watching in Lion Country.” Before you ever start trading eminis or any other financial instrument, I strongly recommend that you equip yourself with the wisdom this ebook delivers.
There are many emini trading courses out there, most of which can be not only purchased online but even downloaded right after the transaction is completed. Some of them cost thousands of dollars, others retail in the hundreds of greenbacks, but there is also a niche of ebook emini trading courses that can be purchased for less than $100.
Before you ever purchase one of those overpriced, and more often than not, worthless courses, I suggest that you start with those priced below $100. They are about as good as the more expensive ones. I also suggest that you stick to ebooks that come with a money back guarantee of some sort with conditions that are clearly spelled out. Your best choice in this respect are ebooks offered by Clickbank vendors as they are supposed to adhere to an 8 week (or 56 day) money back guarantee. And while it is certainly true that most of them do so, some may bend the rules more or less in their favor. Keep in mind, though, that these practices are not always recognized as legitimate by Clickbank. Sometimes this guarantee is totally unconditional, which means that if you are not happy with the product for any reason you can get your money back, but you are also entitled to it if you believe that the sales page was misleading in some way.
You can find more information about emini trading courses including this author’s selection of courses offered by Clickbank vendors on the author website at:
http://www.eminimethods.com/emini_trading_courses.html
Waldemar Puszkarz, Ph.D., is a web veteran with 15 years of web surfing under his belt. By training, he is a theoretical physicist, but his interests are much broader than science and include trading financial markets, sports betting, poker, and researching online business opportunities. He is also an avid book reader and sports afficionado. Currently he is making his living mostly as a day trader. He has been in the trading trenches for almost a decade during which he has traded a variety of financial instruments.
He is the owner and webmaster of Eminimethods.com (http://www.eminimethods.com) which provides free common sense trading education and simple trading systems for e-mini and stock markets as well as reviews of honest online business opportunities in Meet HOBO (http://www.eminimethods.com/HOBO.html) section of his site.