J.D. Perry, Baton Rouge CEO of Moss Point Financial, Reveals Alternatives to Stocks and Bonds for Investors

Smart investors with a proven track record like J.D. Perry of Baton Rouge have always kept a diverse portfolio that includes investments outside of the stock market. In fact, the super wealthy (people valued at over $100 million) keep more than half of their wealth outside of stocks and bonds.

J.D. Perry, Baton Rouge CEO of Moss Point Financial, Reveals Alternatives to Stocks and Bonds for Investors

If you’re interested in diversifying your holdings outside the market, take a look at the following choices recommended by J.D. Perry, Baton Rouge finance expert.

1. Real Estate Crowdfunding

Getting started in real estate as an investment seems daunting unless you have a lot of cash, but there are affordable ways to enter this market. If you have a high-risk tolerance, plenty of free time, and some building skills, you might be able to lure a partner or two into a house-flipping venture.

But crowdfunding networks allow you to invest a set amount of cash in real estate without picking up a hammer. Fundrise pools investors’ money and sinks it into development projects. All you have to do is collect your returns quarterly. Fundrise is the best-known name in this field; other firms in the industry include Realty Mogul and Realty Shares.

Pros: Fundrise’s minimum investment is just $500, and historic returns have been over 10%. Relatively low-risk.

Cons: Not insured. It can take months to close out your position and get your cash back, and the process is not very transparent.

2. Life Settlement & Viatical Investing

The Life Settlement market is buying life insurance policies where the original insured has sold its policy.  Big firms like Coventry and others will buy these policies directly from the individual as some discount.  The buyer then turns and resells the discounted policy to investors.  The advantage is you know before you invest exactly how much you will pay and the face value of the policy so your return is known.  Investors have access to medical reports and life expectancies to help make decisions.  A viatical is simply a life settlement but one where the life expectancy is two years or less due to some serious medical issue, such as stage 4 cancer for example.   

Pros: Large market; known returns; not affected by market forces like economy, interest rates, politics or any other factor that moves the market, easy to understand and easy to execute.  Great returns.

Cons: Not insured. Very high risk. Steep learning curve. Time-consuming (for many investors, this is a full-time job).

3. Cryptocurrency

Money is an interesting concept. At one time, currencies like the dollar represented a certain amount of gold or silver that was stored somewhere, but that’s no longer the case. Today, currency is worth whatever everyone agrees it is worth on a given day, and the whole system is mostly imaginary. For the most part, currency isn’t even represented by paper or coins any more; it exists only as a number on a computer in your bank account or credit card balance.

Cryptocurrency is different from other currency in two …

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Angel Funding Proof Point startup seed funding competition

Angel Funding Proof Point startup seed funding competition

startup funding stagesAngel Investors play a critical function in a business’ life cycle and the U.S economy. A couple of years ago I applied for funding to purchase a set of sackbuts , or early trombones, for my university. I decided at the time to do some investigation, in the form of each recordings and major sources, into precisely how these instruments ought to sound. The details from the major sources may possibly be of note to readers interested in the history of the trombone. What follows is a short summary of my findings, then quotations from 20 of the sources. For higher historical context and full citations of all sources, see the Trombone History Timeline Here are some of the noteworthy qualities that I see from the under descriptions.

In the occasion that you need to have to apply for funding from a bank or investor (more on this later), some market place analysis into your chosen region will go a extended way into assisting you develop a coherent business strategy. It is essential that you investigate how the demand for your item will develop, and use this to inform your own plans to get your business off the ground.

These are the sorts of queries you require to ask oneself as you analyze your enterprise thought and plan. Angel investors willing to offer startup funding will want a wealth of information that includes financial projections, a marketing and advertising plan, names of qualified managers, organizational chart, analysis of strengths and weaknesses, and possible lengthy-term funding requirements.

Angel Investors In The Film Market top startup funding sites

top startup funding sitesA single of the excellent approaches to commence a search for startup funding supplied by angel investors is to view the process as if you are one. Taking one of the most successful campaigns on Seedrs appropriate now (July 14), the level of investment raised to date is ~£450,000. Seeking at the investors, around £250,000 has come from investors that are established angel investors or VCs (just hunting at the leading investments and names I recognise). That is more than 55%. My calculations may possibly be a small off right here but the point is that these relationships were a lot more than most likely developed and secured ahead of the crowdfunding campaign was launched. Just as we did.

1589-1598—When the Morning Stars Sang Together, an engraving by Adriaen Collaert, right after an image by Jan van der Straeten, contains an angel-trombonist among a quantity of angel-musicians. Though the trombonist is partially obscured and the hands are reversed (almost certainly due to the reversal inherent in printmaking), the position and angle of the arm holding the instrument would appear to recommend an overhand grip rather than an underhand one particular (see beneath detail public domain) (Goodfriend, pl. 16).

Advantages of Equity Financing: 1 of the advantages of utilizing equity financing is the flexibility related with equity financing bargains as opposed to debt financing. For example, considering that investors will …

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Music startup funding site

Music startup funding site

startup funding competitionFor entrepreneurs who are hunting for an angel investor to assist them with their capitalization demands, one of the most hard factors to do is to actually meet with an angel investor and present his or her company strategy. 1589—Strasbourg, France: Martin Braun, a wealthy merchant, adds new upper floors and commissions carvings and paintings for Maison Kammerzell (also recognized as Kammerzellhaus), a famous half-timbered constructing across from the Strasbourg Cathedral. Among the many outdoors carvings of musicians is an angel playing the trombone. The grip for both hands is overhand. Like a lot of functions of art of such age, the existing carvings are the result of a number of restorations (see beneath image public domain) (Pudlowski 50 unique thanks to Valentin Guérin).

An Angel Academe syndicate, ably led by knowledgeable angel investor Stephanie Allen, will be investing in Frugl. But that is not the end of the story. The chance has now been opened up to the crowd” through Syndicate Area. Crowdfunders will be in a position to invest alongside our angels from as small as £1,000 and, crucially, will invest at the very same valuation and the very same terms we’ve negotiated.

Round 3 in dealing with venture capitalists or corporate investors. Do not (never ever!) be so desperate for capital that you agree to turn more than the reins of the company if you don’t meet specific overall performance milestones primarily based on a first or second round of funding. There are also several variables in the marketplace for you too handle and you are taking as well a lot threat for not sufficient upside. If this is the only way you can raise cash from this venture firm or corporate investor then walk away, in the end you will be greater off.

Angel Investors, And Other Funding Possibilities For Startups business startup funding sites

startup funding competitionAs with any investor, it can be expected that an angel investor would only place his funds into a company that would provide the least threat on his investment. It is a truth that entrepreneurs will have trouble attracting a variety of investors that consist of angel investors, venture capital and equity partners when they fail to contemplate the needs of the business right after startup. In the excitement of truly starting the organization, the new company owners fail to focus on the level of investment required to hold the business going. The Tiny Organization Administration is the very first to say that a capital shortage is a key reason organizations fail.

We scraped all of the offered Seedrs campaigns to locate social media profiles for individuals who had invested £200+ and analysed who they followed on twitter and LinkedIn. We thought we could use that information to target potential new investors but in the end the data was comparatively scarce and it would have been a huge challenge to 1st of all convince an individual to believe about crowdfunding, and then convince them to invest in Sian’s Program. …

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Prequalification Is Vital For Mortgage Loans For Veterans At BBMC

Prequalification Is Vital For Mortgage Loans For Veterans At BBMC

As great as it can be to qualify for a mortgage loan for veterans, you have to watch for how you are going to qualify for that loan. Prequalification is important for when you need mortgage loans for veterans at BBMC as this helps you to review the points that come with such a loan and how this can work for your benefit.

The General Process

The main process for prequalification for a mortgage loan entails a few steps. These should take a few bits to work with, although this might require a few days for a full analysis to give you a full idea of what you can expect out of whatever you might be interested in using:

  1. First, you have to get a proper credit report ready. This includes a review of your credit history and how you have been able to pay off various expenses.
  2. You must then list information on how much you are earning. This may include details on any income sources you are getting.
  3. A lender will review the data that you have submitted. The key is to analyze how well you may be able to pay off the loan that you wish to take out.
  4. After this, you should be given a basic value for how much you can borrow. This includes a specific value for a loan based on your past history.

This may work well alongside a reduced interest rate as a veterans benefit. The knowledge you will get off of the process helps you see what you can use when getting a loan while also having more control over the process of using that loan to your basic advantage.

Why Get Prequalified?

The prequalification process focuses on understanding what you are capable of borrowing for your lending needs. This should help you with getting more out of a good loan at any time while ensuring you will have something that you can afford to pay off.

But what makes this even more important for mortgage loans for veterans at BBMC is that prequalification shows a lender what you are capable of spending on a property. You may potentially lower the value of a mortgage on a property of interest based on what you can take. This is thanks to how you are showing a real estate provider what you can afford to handle at a time.

Works For Many Plans

Prequalification is great for more than just buying a new home. You can also use prequalification to manage a refinancing plan. This may work in cases where you are aiming to get a new rate on a loan for a home. This can work for many veterans who are aiming to get newer loans that are more affordable and potentially easier for them to pay off in many forms.

Prequalification is a point for mortgage loans for veterans at BBMC that must be noticed. Be aware of how well you can qualify for a loan and that you have a …

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How Short-term Debt Mutual Funds are Beneficial ?

debt funds

There are many options available to invest your surplus money. However, one needs to assess every possible alternative of the investment before actually investing into any. Short-term debt mutual funds can be an ideal choice if you are looking for a short-term investment. The short-term debt MFs invest in corporate bonds, government securities, treasury bills, and money market. It has a holding or lock-in period of 3 years. Investing your surplus money in the short-term debt mutual fund is beneficial in many ways.

Perks of investing in the short-term debt mutual fund –

  • Tax Benefits

Imagine your investment giving tax benefits. Sounds exciting, right! It is possible in case of short-term debt mutual funds. The debt funds held for more than three years are treated as a long-term investment and taxed at 20% with indexation. Also, TDS isn’t deducted from the returns.

  • Flexibility

Short-term debt MFs have high liquidity as compared to other MFs which is an important factor for the investor. You can withdraw your money plus returns anytime unlike fixed deposits. Short-term debt mutual funds do not charge you any fee for withdrawal, unlike other mutual funds which make them more flexible.

  • Low-risk factor

If you are not willing to take a big risk, then debt mutual fund is the perfect fit for you for the investment. It has low risk and will give you regular rewards than other mutual funds. Thus, it is ideal for the investors with low-risk appetite.

  • Safe and stable returns

Their shorter maturity period makes them less affected by the interest rates fluctuations. According to the debt logic, with a decrease in the rates of interest, the market value of debt grows or decreases. Nevertheless, fluctuations in the market have no major impact on the short-term debt mutual fund. It makes them better performers for the investor even if the market is fluctuating. Due to this, a short-term debt mutual fund gives you better returns as compared to the other mutual funds.

  • Transaction cost

As compared to other mutual funds, a short-term debt mutual fund has low transaction cost, which makes it more beneficial for the investors.

  • Indexation benefits

Another benefit of the debt funds is you can avail indexation benefit on your returns by reduced taxes.

With a low risk, better returns and tax benefits, the debt funds are always the beneficial options for the investors. All-in-all, with multiple advantages, the debt funds is a suitable alternative for you if your investment is going to be short-term.…

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