Housing Loans

By Jake Smith

Self owned home is something which everyone's wishes. There are some who can afford to buy house on their own but everybody cannot afford to buy house on their own. For those who cannot afford there are several banks and financial institutions who lend easy finance. The person who wishes to buy a house can either get loan from a bank or after inquiring about the rate of interest being charged by them. Certain rules and regulations are needed to be followed before which the bank or financial institution assigns loans. Submissions of important documents are asked by the bank officials which are to be submitted before acquiring loan. Banks ask for these documents in order to check the validity of the person.

These banks and financial institutions offer tenure of three years, six years, twelve years or fifteen years. It all differs and depends on banks and financial institutions. The tenure may be selected by the person in need of loan.

Depending on the tenure, Equated Monthly Installments i.e. EMI are calculated and the person is informed about it. EMI and number of years are related to each other and as number of years increase, EMI decrease and visa versa. Banks are much concerned with EMI and their main goal is to get back the entire loan amount and that too along with interest.

It is very necessary to first calculate the price of the property which one wants to buy. Next important thing is to check that the property which one is willing to buy does not have any other legal obligations which are to be satisfied. Best thing is to get a No objection Certificate which explains that the particular property does not have any other liabilities to be paid. One is asked to submit relevant documents as required by the bank or financial institution along with application form before granting of housing loan. Residential address proof and Income proof are among the relevant documents asked by the bank officials. Banks also confirm the organization or the company where the person asking for loan is employed. These banks also confirm the residential address of the person.

A sanction letter with all the details of the loan is issued after all required terms and conditions are fulfilled. The details of loan include the actual loan amount, tenure of loan, the rate of interest on loan amount and the manner of repaying the entire loan amount. The official's of bank or financial institution also keep the original documents which are in context to property being purchased. The purpose behind keeping these documents are for the sake of security reasons. Till the entire loan amount is repaid these documents remain in bank's possession. Moreover, these documents are also sent for scrutiny. Final disbursement of loan is done only after bank officials visit this property and make sure everything is fine.

The housing loans is a blessing for those who are in need of house and cannot afford to buy on own. - 23208

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Volatility the Carry Trade and The Macro Trader

By Charles Jordan

If you are into global macro you trade everything. You trade stocks, bonds, commodities, and even currencies. Essentially you are looking to trade anything that presents a great risk to reward opportunity that is not correlated with your other trades.

You don't just trade different asset classes but even different strategies within an asset class. If you trade bonds you will have some directional trades on, some spread trades, and some arbitrage trades. All of his is to further diversify your returns stream. You can do the same types of things in every asset class which makes your streams of returns very uncorrelated.

One area that is particularly suited to the macro trader is that of the currency markets. Yes, they trade currency crosses and build their own cross baskets but macro funds are also known to trade one strategy called the carry trade quite frequently.

To make money in the carry trade you go long a high yielding currency and go short a low yielding currency. By doing this you are able to earn the interest rate differential which is simply the difference between the two currencies interest rates. You can also of course earn money by being right on the trade and the direction.

Using leverage you can really juice your returns in the carry trade. For instance if you are earning a three percent yield from the differential then you can earn thirty by being levered up ten times. If you lever up twenty times you will earn sixty percent. While these gains sound great they do come with great risk. You knew this couldn't be that easy.

Nope, simply put juicing things on the way up will kill you on the way down. If volatility is anything but low you will get killed with excessive leverage. Instead you need a good way to track volatility and measure when is a good and a bad time to be in the carry trade.

There are several ways to measure volatility. Some traders just look at several pairs and use an internal barometer of what is happening but most successful traders use at least some type of quantitative measure. We have the VIX which is used to look at equity volatility but happens to be a decent barometer of all volatility. There are also several newer currency volatility gauges like the JP Morgan currency volatility tools and the other investment banks volatility tools.

If you are trading the carry trade then you should be using a volatility filter to greatly improve your results. If you are not trading the carry trade then you are also missing out on some great uncorrelated and relatively easy returns. And finally if you are not macro trading then you are missing out. You should be taking advantage of all the opportunities in the world and not just in stocks. - 23208

About the Author:

If you need actionable trading ideas then check out The Macro Trader It is a weekly global macro investments advisory publication with frequent intra-week updates for time-critical analysis and actionable trading ideas.

Fashionable Silver Gemstone Rings

By Patrick villa

Gemstones have long been used for healing and spiritual purposes. These unique properties of various gemstones are what make them even more special. Gemstone rings were one of the ways in which men and women could sport these healing stones.

So what are the choices you have when it comes to silver gemstone rings? The list of gemstones that you can incorporate in a silver ring is comprehensive. Some of the most popularly used gemstones and their special qualities are as follows:

Diamond

One of the most precious stones in the word is the diamond. Wars have been fought over this stone and it has been coveted by spiritual healers and the gleam and depth of the stone truly catch the eye of both the owner and the viewer.

The quantity of a diamond includes the removal of negative energy along with any blockages in the spiritual life path of the person who wears it. Further it is a constant reminder and allows for the awakening of the owners spiritual obligation.

In terms of the physical powers that diamonds have they can actually remove toxins from the body and help to enhance eyesight. They also enhance metabolism. In general diamonds also promote unity and love of self and with others as well.

Jade Stone

This beautiful gemstone is known to produce divine unconditional love in the wearer. It is known to be a source of motivation as well. It is believed that jade raises awareness of the body's need to rest.

At the same time it has the power to purify the blood and remove harmful toxins from it. On an emotional level jade is believed to attune the body with its surroundings and is also taken as a source of developing self confidence and self sufficiency.

Pearl

Individuals suffering from emotional imbalances can benefit greatly by incorporating pearls with silver. This unique precious gemstone enhances personal integrity while soothing the highs and lows of emotional expression.

Emotionally hyper individuals can balance with the regulating effects that pearls have on behavior thereby opening the way to spiritual and emotional well being and enlightenment.

By paving the way to spiritual and emotional enlightenment, the use of a pearl ring would help the wearer benefit from balanced emotions.

Garnet Stone

The garnet promotes ones commitments to others and helps you remain true to yourself while helping those in need and fulfilling your personal obligations.

The mesmerizing gemstone looks beautiful and activates the second chakra which wakes up creative energy in the body. It also repairs DNA damage and equalizes your inner sexual energy. Garnet helps in the digestion of various minerals and vitamins in the body some of which are magnesium, calcium and iodine along with Vitamin A and E. - 23208

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Silver engagement rings are verypopular in cultures across the globe. If you are interested in buying a silver diamond rings click on the hyperlinks above.

Finding A Builder In Costa Rica Who Can Deliver On Time

By Randy Berg

Many people are investing their hard-earned money in properties in the mainland, even though it is about three hours interior, due to the affordable costs. None of the surrounding areas or countries has land available at such reasonable prices. Finding a builder in Costa Rica within your budget is another proposition altogether. Considering the location and vulnerability with regard to volcanoes and earthquakes, one cannot play around when building any structure in Costa Rica.

Since Costa Rica is situated in a volcanic region, it is subject to very heavy rainstorms. The location is such that earthquakes are sporadic and frequent. Therefore, when finding a builder in Costa Rica, one should make sure he takes these factors into consideration and uses the right building materials for construction.

If you have an ocean view property, you will probably want to have a sit out arrangement on your part of the beach and create a picturesque spot for your family and friends to spend time in. This would mean finding a builder in Costa Rica who has the capacity to do this for you and make it a dream place to spend your leisure hours in.

You can either buy the materials locally or import the same from America. Check with the real estate agents who helped you with the acquisition of the property about finding a builder in Costa Rica who is both punctual and reliable. You must set out the period for completion with the builder and make sure there is no delay in any way with supplies. This way there is no delay and work can progress smoothly.

There are a lot of developers working on large properties in Costa Rica and they often hand out smaller assignments to other builders. See if you can get one of these who are not as rich and famous as the big builders and less expensive to do your job for you. You can search on the internet while you are finding a builder in Costa Rica and do some research on their reputation before you finally hire them

Beware of frauds when finding a builder in Costa Rica. Though developers may charge more than some smaller builders, be wary of those who quote low prices just to get the contract. The material they use may not be of good quality therefore it is best if you do your study before venturing on building on your property.

Some builders import their materials from America whereas others make their own wood work etc. in Costa Rica. Discuss the cost of building your home or refurbishing it before you settle for a builder after finding a builder in Costa Rica. - 23208

About the Author:

Let Randy Berg help you find stunning and wonderful properties at Costa Rica Real Estate. Interact with us through our forum.

Play The Market with Hot Stocks

By Jason Demand

In the last few years, a new way of playing the stock market has appeared. Ignoring the conventional wisdom of buy low, sell high, hot stocks employs a different system of gaining serious returns on investments. Buy high and sell higher is the idea behind hot stocks. It's a strategy that is's working for many financiers. It's a hit and run approach to investing.

The benefit of purchasing stocks this way is the short turn around time. Your money isn't tied up waiting for an undervalued stock to rise. The old strategy is still good, but adding hot stocks trading to your investment planning will help grow your money faster.

Hot stocks are ideal for day traders. If you watch the market trends closely you can choose from stocks that are on the rise. The largest trick is not to get greedy. Decide before buying the stock the maximum time you intend to hold it before selling. Whether or not the stock is still rising, sell according to your time table. Take your profits and get out.

If you happen to pick a stock that starts to stagnate or drop in worth, sell it straight away, even if you have got to take losses. Never think the stock will recover and you will get your investment back. If it drops lower you can lose even more. The concept is to maximize your gains and keep your losses to a minimum.

In several cases, you may sell the stock only hours after you purchased it. To use this idea effectively, you have to consistently watch your stock prices and keep a lid on of the market's trends. Hot stocks are a high risk bet that often doesn't pay off. Learn from your losses and celebrate your gains. If you may a profit on 2 stocks and lose on one, you are still before the game.

You wouldn't go to Vegas and put all your cash on the roulette wheel, and you shouldn't put all your investment capital into hot stocks. This is one of many fiscal methods you should use to enhance your money. A solid diversified portfolio will look after your capital, though the returns might be significantly lower. Long term investments should be the cake of your investments. Hot stocks are the topping.

Hot stocks only work as a short term investment. These are stocks which should be bought and sold in less than a week. If the stock continues to rise after you sell, that is's OK, you made a profit. The stock could just as easily drop in value.

If you are employing a broker for your stock transactions, you'll have to pay a fee every time you buy or sell a stock. This may have an impact on your bottom line. There are online trading services that are less expensive than brokers for transactions of this kind. If you are considering investing in hot stocks, you should look into ways to save on brokerage costs. This will be substantial when many transactions are concerned and could even wipe out your profits.

the stockmarket is a good way to grow your investments. Hot stocks is a method to make reasonable profits in a short amount of time. When investing your money always use more than one system and ensure that at least part of your money is in a safe, if low yield, financial instrument. Never bet on the market with money you are unable to afford to lose. Remember the old Wall St. Saying" often you eat the bear, and often the bear eats you." Good luck! - 23208

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Find more on stocks to buy today and hot stock buy.