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It seems that people start ignoring again the accumulated debt. This is what I was thinking about when I was telling you that the financial debacle is not here yet. The average investor is an irrational specimen. When everyone buys he jumps on board as well and when the sell off amplifies he sells all his portfolio holdings and starts complaining about the incurred losses. You probably know that you have to buy when most people hesitate or are scared and sell when everybody around you is excited about the big potential profits. Easier said than done! As an economist I always watch the fundamentals of the markets to figure out the big picture. It helps me catch those long term waves which are the most fruitful ones. But to make money in the short term there is nothing better than the technical analysis. Take as example the current situation! It is obvious that nobody can live on credit all the time. At one point the borrower will hit the wall and the creditors will not only refuse to lend but will put pressure on him to repay his debt. He will see himself obliged to work harder and cut his expenses for repaying the loans or to go bankruptcy. The last option is the worst case scenario as after a bankruptcy he will loose his assets in covering his liabilities and he should start from zero without been able to borrow. The United States are in such a position now. However, there are many short term factors which will postpone the end of the happy borrower. Here comes the technical analysis to help us figure out how long yet we can enjoy the current bull. More on this in my next commentaries.

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Most people who buy LTC insurance are not aware about future premium increases. LTC insurance premiums are not guaranteed and may increase with permission from state departments of insurance.
The obvious question is have they and will the in the future increase premiums? The answer is yes, they have and many will also increase premiums. Insurance companies can raise rates but only for everyone in the same pool of insured. The company cannot target individual policyholders for special rate increases despite the number of claims someone may make.

Other misconceptions about LTC Insurance:

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If you are thinking about purchasing commercial real estate, it’s important to know that there are things that you can do to enhance and increase the value of your investment. As such, when you search for a commercial property, look at the property’s potential in addition to its historical data. Because the value of commercial real estate is primarily driven by the cash flow that the property generates, any strategy you employ has the potential to increase your cash flow, decrease your expenses, and increase your overall equity and the value of the property. Below are five strategies you should consider when determining how you can make the most out of your commercial real estate investment.

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Trading is a marathon not a sprint. Often time’s new traders allow one bad day to alter not only their trading styles, but their emotions as well. In order to be a successful trader you have to learn to put tough trading days in their place. Do you think every game Michael Jordan lost; he then went home and changed his entire style of play. When Tiger Woods has an off day, do you think he immediately calls his swing coach to develop a new swing strategy? Set Daily Limits

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Preconstruction investing is essentially buying property before it is built. As an investor, your intention is to make a profit on the appreciation value between the time you lock in your price and the time construction is completed. Before you invest in preconstruction real estate, you will need to understand the process of buying the property.

The reservation stage

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