Agriculture Investment Funds – The Best Alternative

In times of a rapidly expanding population, low interest rates, inflation and murky equity markets, investors are searching for assets that will grow in value, produce a regular income, and retain value in the event of a crash. Essentially we need a safe haven for our cash and that is leading many investors towards the agricultural sector as 75 million new mouths to feed every year and a changing diet in developing economies supports the theory that agribusiness will do well in the mid to long term.

There are a number of options open for investors choosing this sector, from agricultural investment funds, ETFs, direct investment into agribusiness companies, or trading soft-commodities such as wheat. My problem here lies in the fact that these investment strategies do not tick all of our boxes. Funds incur management fees, and over the lifetime of a mutual fund, investors lose 80% of their gain to management fees, commodities can be volatile in the short term, and investing into agribusiness companies does provide any level of non-correlation.

So what is the alternative? More and more canny investors, both private and institutional, are snapping up what little good quality agricultural land is left in the hope that as time passes, and the population continues to grow, the land we have will become more valuable in the face of a higher demand for food. We also know that well tilled land will produce an income every year from the growth and sale of crops, replacing the lost risk-free income we no longer achieve from holding cash. Of course, if someone somewhere finds an alternative to food then the value of farmland will fall, but I think we can all agree that we will all have to eat at some point and therefore arable land retains value even in the worst of circumstances.

So how does the small investor source a piece of agricultural land large enough to farm commercially? And how do we reduce general agricultural risk such as exposure to poor weather, commodity prices and quality farm management? There are opportunities for the smaller investor to take part in large farmland investment transactions, either pooling capital with other investors in order to purchase better and larger land parcels, and other very interesting structured vehicles allowing the small investor to purchase a small piece of a much larger, commercially managed farm, with the farmer shouldering the general agricultural risk and paying the land owning investor a fixed annual income. This methodology, provides the farmer with much needed liquid capital to expand operations and invest in the his business, whilst providing the investor with risk-managed exposure to high-yielding farmland, consistent income, principle protection and capital growth.

Where should one consider purchasing farmland? The EU, Latin America and Australia are all investable locations, and have consistently achieved returns of between 10% and 20% over income and growth depending on the location of the farm and the structure of the investment.

Posted in General | Tagged , , , , , , , , , , | Comments Off on Agriculture Investment Funds – The Best Alternative

24 Hours in Your Wallet

Every writer faces time restrictions. The trick is to find enough time in the day to spend writing. There are several things I do to find more time to write. Negotiate every one of these ideas to maximize your time of opportunity.

Review your ideas that are laid out in front of you. I use note cards and stick notes on my desk to keep ideas around me. This kick starts the thinking process. I also put a current project I’m working on as a desktop background on my computer as a constant reminder to work on that particular task. Every time I am on the computer, there’s a picture of a document that needs worked on starring me in the face.

Push through the fog even if you have a headache or are feeling bad. Be your own nagging boss that says, “Get to work.” Think of a reward that you’ll give yourself when the work is done and put a picture of it where you see it every day. The reward has to be worth it, not just go out to dinner or something lame like that. I enjoy playing pool and set a goal to not play until I finished a project. Stick to it. That pushes me to finish what I started faster. Delayed gratification is a great tool to use. Use every great tool available.

Be as organized as possible. I know folks that can play office all day and not accomplish anything of real value. Focus on the work as a writer, but keep a clean environment.

Use the best software for the project your working on. I use New Novelist software for book type writing and Movie Magic for screenwriting. Download a free trial of Movie Magic and see if it’s right for you. Use the best software you can to maximize your effectiveness of time management and organization.

Eliminate the unnecessary clutter. Work is work, it doesn’t matter what kind it is, whether it’s dishes, digging a hole, or writing. A proper mindset on the value of work is vital. Sweat Equity is the best tool in the world.

Set goals that are difficult but possible. Write three articles a day, three chapters a day, or three scenes a day. Make time your friend and not a thief.

Role-playing allows me to step into someone else’s shoes and get work done that I might not of accomplished otherwise. Think stat, like you hear a doctor say. I’ve got to operate on this chapter, stat or I’ve got to dig up the research and uncover the true like a good detective. This exercise helps me more than you could possibly understand. An exercise like this can make an ordinary writing assignment seem extraordinary, removing the boring out of work. If you’re having fun, then you’ll get more done.

Steal every minute you can from the day. Take your laptop with you to work and pull it out on lunch break if you work a regular job too. I take my laptop fishing with me. When it’s slow and the fish are not biting, I can kick back and type away, glancing at the pole once in a while. The thrill of fishing is the catch, not the wait. Work while you wait. That may sound extreme, but don’t knock it until you try it.

Gather all the best tools and use those to fight against the time steelers.

Copyright© 2007 – AJ Dowell

Posted in General | Tagged , , , , , , , , , , | Comments Off on 24 Hours in Your Wallet

You Can Get a Personal Loan After Bankruptcy

Having survived bankruptcy, you may think that your world is topsy-turvy. Well, that is not exactly true. Your declaration may leave an indelible mark on your credit history that is hard to entirely escape, but remember, you are not the only one. Over 250 thousand bankruptcy declarations are filed every three months in this nation. Many of these are due to the economic and financial turmoil the global economy that has dealt us all some hurt this last half-decade.

Joblessness, Illness, Bad Luck

The unemployment rate, perhaps poor health, or just plain old bad luck, have caused many to become behind on important monthly obligations such as housing or transportation or grocery bills. When these unpaid obligations start to pile up, they can have a snowball effect and get worse with each ensuing month. As a last resort, to protect whatever assets are still surviving, some have no other recourse than to declare bankruptcy. Having come out of bankruptcy, many should consider it as a way to wipe the slate clean and start rebuilding toward the future and improving their creditworthiness.

Up by the Boot Straps with a Personal Loan after Bankruptcy

Rebuilding your creditworthiness and your good name could very well start with taking out a personal loan. Whether taking out a secured or unsecured loan, go for it. One secret is to not stop borrowing. Just remember that an unsecured loan will charge you a higher interest rate than a secured loan. A secured loan is one that is backed by an asset you own, such as real estate or a vehicle. Whatever transpires, please do not neglect this loan in terms of repayment on time every time. You are being granted a second chance and it would be wise to not spoil it.

Potential for Repayment

Depending on factors such as collateral, salary, and even personal recommendations, personal loans are available that range from $500 to $20,000. Income will be a primary consideration when loan amounts are figured. Some financial advisers suggest that individuals who have experienced a bankruptcy can start at $5K or below for a first personal loans ensuing a bankruptcy discharge. If the need is great and the payback potential great, a loan could be higher than that.

Some Extra Help

If you have no collateral, your best bet for a personal loan after bankruptcy would be to have a financially secure cosigner. Unsecured or no-collateral loans are riskiest for lenders so interest rates will be high. To lower these rates, having a cosigner would be a good way to land a personal loan after bankruptcy. The cosigner must be aware that they are liable for the loan should you default for whatever reason.

Seek Far and Wide

Because there are so many folks who have found themselves financially strapped, there are many private lenders who have stepped in to answer the calls of the market regarding personal loans after bankruptcy. You will find a plethora of these lenders on the internet. Simply punch bankruptcy loans into your favorite search engine and you will be rewarded with many lenders willing to take a chance on bankruptcy clients. You will pay higher than usual interest rates, but you will also find that they can be lower than expected due to the competition in the market. As you can see, it is possible to get a personal loan after bankruptcy.

Posted in General | Tagged , , , , , , , , , , | Comments Off on You Can Get a Personal Loan After Bankruptcy