As many of my faithful blog readers are well aware, I’m constantly looking for new opportunities in real estate, the stock market and online affiliate programs to spotlight here for discussion. After having retired from my previous career as an IBM financials programmer, my current investment vehicles are purchasing real estate, preferrably beachfront properties combined with manipulating the stock market using my knowledge of the technology sector. Both are areas I’m very familiar with and feel comfortable with, although I am constantly looking for new and innovative opportunities on the internet. While I find the vast majority of internet based opps to be somewhat lacking in their legitimacy, presentation or their viability, it’s a rare occurrence to find something that truly excites me in the mind-numbing quagmire of offerings that that the internet is flooded with.

Well, whoever said you can’t teach an old dog new tricks evidently never used the internet. Case in point, I recently stumbled across a very enlightening and inspiring website Nouveau Riche University that teaches entrepeneurs ways to create wealth in an educational enviornment utilizing fundamental principles common to all higher-education institutions. Nouveau Riche is unique in that it allows adult students to study at their own pace which means a stress free learning process suited to adults who are seeking to move on from working a dead end day job into creating wealth by working for themselves. The program is also suited to entrepeneurs pursuing expanded horizons by supplementing their earning abilities. The focus is on educating adults without being hurried or worried about meeting deadlines that might detract the average adult who is interested in learning but has the responsibilities of managing a household, raising a family, working to pay bills or other activities that take up the vast majority our time.

Nouveau Riche University’s Coaching Program

Nouveau Riche offers a personal coaching program where experienced vetrans work in a one-on-one capacity with each student sharing knowledge of investment strategies intended to foster a long-term knowledge of the varying elements of developing a productive investment career. Information is balanaced with action and the investment concepts taught are broken down into easily digestible components designed to deliver positive results. Along with the delivery of fundamental strategies and techniques to succeed, they work to inspire innovative ideology, create personal drive, stimulate motivation, build confidence, and deliver insight into these characteristics that are ultimately important to achieving success in all areas of life.

The Investment Concierge

One of the most exciting aspects of Nouveau Riche is the The Investor Concierge which is billed as the most unique franchise networks of real estate acquisition specialists ever created. Through this program, potential candidates will be able to participate in real estate based opportunities that are carefully examined by the The Real Market Experts (RME) and offered exclusively through their proprietary web-based software system, the Investor Concierge.

Nouveau Riche University Real Estate Investing Blog

Featured in the leading newsstand magazine, Your Business at Home, which is a nationally distributed publication dedicated to independent entrepreneurs, Nouveau Riche additionally offers a comprehensive blog detailing an incredible array of highly informative and opinionated articles dealing with real estate investments. I’ve personally found the blog to be highly inspirational and motivating in my own entrepenurial efforts.

Take a few moments and give Nouveau Riche a look and as always, please feel free to comment on this article.

Even if you’re new to investing in the stock market, you’re probably heard of the term “stock split”, however many new investors are unsure of what the term exactly means, when it happens or how it will impact your investment. Stock splits are a regular occurrence on the exhanges and many investors revel in catching a split because more often than not it means that the future for the particular stock in question will be bright. Many of the most popular stocks have been through splits time and again. Notable stocks that have split are Microsoft, AOL, Oracle, Yahoo and many others.

What is a Stock Split?

A stock split generally occurs when a corporation decides to make more shares of their stock available to shareholders. This is a decision made by the company’s board of directors who often decide split their stock when they believe the current price of their stock exceeds the amount smaller individual investors would be willing to pay for the stock. For example, if a companies stock is currently trading at $100 a share and they would like to make it available to investors at $50 a share, they will do a 2 for 1 split which means that for every share an investor is holding at $100 per share, they will be given two shares at $50 each. There is no loss of value to the individual investor, however a split will generally entice more investors to purchase the cheaper priced stock, thus increasing it’s value in the long run. While a 2 for 1 split is the most common, companies also distribute 3 for 1 splits, 3 for 2 splits, 5 for 1 splits, etc.

What is a Reverse Split?

Sometimes a company will issue what is known as a reverse split. When this happens the shareholder will have less shares at a greater value. For example, the most common type of reverse split is a 1 for 10 split. In this case, if a company has been trading at $1 a share and you have 100 shares, after a 1 for 10 split you will now have 10 shares at $10 per share. The conditions leading up to a company performing a reverse split is usually precipitated by a share price drop to a very low level and the company wants to increase the share price to appear more viable to potential investors. Additionally, if a share price drops below a certain point some exchanges will de-list a stock for 30 days which could have a crippling effect on the company’s future.

As many Americans find themselves struggling in this unsure economy, with mortgage rates rising, gas prices taxing consumers at the pump and the rollercoaster ride of the stock market playing havoc with people’s 401K’s, there has been a rise in consumers turning to cash advances and payday loans to get through difficult times. While all financial experts will agree that loans of this nature are not an optimal solution for a cash crunch crisis, inevitably, when there is nowhere else to turn a cash advance or a payday loan can temporarily ease the burden of being short on finances.

Normally cash advances and payday loans are quick and easy to apply for and require minimal information regarding your credit rating or personal credit history. The internet has facilitated many avenues of securing such types of temporary loans and many offer flexible payments schedules, however one should shop around a bit and compare plans and interest rates before choosing a suitable lender. If you find yourself in this situation, with nowhere to turn for assistance, you may want to visit the website TrustSource which offers payday loans comparison. On the site numerous lenders are compared and rated by other borrowers. The site also features reviews of the various lenders listed on the site by borrowers who have used the services. As stated before, cash advances and payday loans should be used wisely and as a last resort if there is no other option available to you.

In a report “Recession Coming” released today, the Morgan Stanley’s US team said the credit crunch is starting to inflict serious damage on US companies and that the economy is headed for a recession. Is it any suprise when the US stock market gets stimulated on news of Middle East loans to Citibank to pull them out of their crisis that America’s headed for some dark days ahead?

As delinquencies and defaults soar, lenders are tightening credit for commercial, credit card and auto lending, as well as for all mortgage borrowers,” said the report, written by the bank’s chief US economist Dick Berner. He said the foreclosure rate on residential mortgages had reached a 19-year high of 5.59pc in the third quarter while the glut of unsold properties would lead to a 40pc crash in housing construction. We think overall housing starts will run below one million units in each of the next two years — a level not seen in the history of the modern data since 1959,” he said. Although the US job market has apparently held up well, an average monthly fall of 138,000 in the number of self-employed workers over the last quarter suggests it may now be buckling. Consumers face what could be a perfect storm, said Mr Berner.

Morgan Stanley is the first major Wall Street bank to warn that it is may now be too late to stop a recession, though most have shifted to an ultra-cautious stance in recent weeks. Like Goldman Sachs, and Lehman Brothers, the bank no longer believes Asia and Europe will come to the rescue as America slows.

FOREX is the abbreviation for the Foreign Exchange market. The main principle of Forex is converting one currency into another. As far as the freedom from any external control and free competition are concerned, FOREX is a perfect market and is also the world’s biggest financial market. In many investment portfolios, you will find FOREX more and more since the currency exchange realm has opened up to the small investor. In its simplest form, Forex is transaction of monetary funds from one government to another or business associates of different countries. There are substantial earnings to be made in the foreign currency market, but trading in the Forex is for the well-informed. In addition, forecasting Forex is not easy, as Forex is a fast moving market where several changes occur in the fraction of seconds.

Trading Forex works remarkably easy and is convenient since the currency exchange market is open 24 hours a day 7 days a week, providing plenty of trading opportunities. You can get started trading the (spot) FOREX with little money and there are many brokers on the internet that will allow you to make paper practice trades for up to 30 days, free of charge, to see if Forex is for you. They have guides that show techniques for day trading as well as mid-term Forex trading (one to seven days). Trading currency with tighter spreads can improve your trading profits, and you can see for yourself how taking short-term trading positions can be exciting. Low spreads and high volatility is a very popular way of trading on Forex, and is known as day trading.

The foreign exchange (currency or Forex or FX) market exists wherever one currency is traded for another. Trading Foreign Exchange currency in the global Forex trading system market can make you money. Very often currency pairs are closely related to one another - and this is something that can be used to the Forex Traders advantage. There are Consumer Alerts, however, and you should beware of Foreign Currency Trading Frauds. You should educate yourself first in all areas relating to currency trading. It’s a great way to get comfortable with a currency trading system and to develop a successful Forex trading strategy. Use the currency forecasts to set profit points and maximize your return. You can make significant earnings in the foreign currency market, but trading in the Forex is for the well-informed and you should take advantage of advice from a reputable broker.

A broker is any person or firm that charges a fee in exchange for executing trades for a trader. When it is time to find a broker, there are several factors to consider. Assuming you are dealing with a reputable broker, there are still risks to FOREX trading. But inexperience is not the only broker reason to consider using a Forex broker to trade in the high risk international currencies market. Most traders find that it is necessary to utilize a broker when making transactions on the FOREX exchange and this has created a market demand for an online Forex broker, Forex dealers and a currency exchange service. As an example, your Forex currency broker is able to purchase $100,000 with only a deposit of $1,000, as the rest of the amount is leveraged to you by your Forex broker. With this type of account, your broker/dealer basically trades your money on the Forex market for you, and will always show the highest bid and the lowest offer.

In simplest terms Forex can be as simple as you would want it to be. Managed Forex is an area of Forex trading that’s continuing to grow. FOREX is a somewhat unique market for a number of reasons… Forex is maximum liquidity; FOREX is real trade, in term of business. Basically, Forex is transaction of monetary funds from one government to another or business associates of different countries. For the astute investor, Forex is better than the stock market and every other money-making opportunity. Since Forex is entirely electronic and the liquidity and size is so much larger, it tends to be easier and more efficient to do a Forex transaction.

Author Bio
Gust A. Lenglet has been an accountant and financial advisor for many years. He is President and CEO of HBS Financial Group, Ltd. and offers online tax filing through his many web sites. He is also an accomplished author in the tax, legal, and education fields.