The American Express Gold Card is a charge card for those who have good credit and can afford to pay the balance in full each month in order to avoid accumulating debt as often become the case with high balance and high interest rates. In addition, though the payment structure of the charge card is different from other unsecured credit cards, it has similar benefits and services.

The annual fee for the American Express Gold Card is $90 with an additional $35 for additional cardholders. For the first year, the primary cardholder fee is waived. The fee for cash advances is 3% with a minimum of $5 for Express Cash transactions.

For no additional fee, cardholders have access to the Membership Rewards Options program, which allows members the opportunity to earn points they can redeem for various products and services. Points are earned at the rate of one point per dollar with bonus points of two points per dollar for purchases at supermarkets, gas stations, drug stores, U.S. Postal Service, or when paying wireless phone bills. They have no expiration date or annual maximum, and the cardholder earns a bonus of 5,000 points on the first purchase.

Although the card has a high annual fee, those who are able to take advantage of all of the benefits of American Express membership may not be concerned with this.

Some of the benefits a cardholder can expect to receive from the American Express Gold Card include the following:

• Online access to account information

• Free shipping and handling from selected retailers and merchants

• Financial statements at year’s end

• Price protection services

• Return protection

• No cardholder liability for unauthorized Internet transactions

• Extended warranty for purchases

• Protection for purchases

• Medical and legal referral services

• Planning assistance for trips

• Emergency assistance and travel-related services

• Insurance for lost luggage

• Emergency check-in service

• Roadside assistance

• Guarantee of hotel and motel reservations

• Insurance for car rental

• Emergency replacement of card

• Travel accident insurance up to $100,000

For more information or to obtain the findcreditcards.org/card/american-express-rewards-gold-card.php American Express Gold Card application, Joshua Shapiro recommends Find Credit Cards.

While there are a thousand and one investment opportunities you can choose from, there are just only three investment styles. And these investment styles depend largely on your risk tolerance and financial goals. The three investment styles are conservative, moderate, and aggressive.

Again, your risk tolerance and investment goals come into play, when choosing the right investment style. If for instance, you realize that you have a very low risk tolerance, naturally, your investment style will definitely be conservative, or at best, moderate. However, for those with a high risk tolerance, moderate or aggressive investment might be the best choice.

Also, your investment goals could determine your investment style, especially when you believe that risk tolerance does not constitute a determining factor. If for instance your investment is basically targeted at saving for retirement and you are still in your twenties. Obviously, there is nothing to rush about. Conservative or moderate investment could be the right choice. However, if you are concerned with raising money to buy a house in a year or two, you are definitely going to be an aggressive investor.

Let’s look at these styles of investment. Conservative investment, just like the name implies basically involved gradually building profit over a long time. Here, the major concern is ensuring that the initial deposit is recovered. In other words, when a conservative investor invests $10,000, he wants to be sure that he will get his $10,000 back, no matter what happens. Conservative investment usually involves investing in common stocks and bonds, interest earning savings account and short term money market accounts.

A moderate investor has a higher tolerance for risk. While a moderate investor will more likely invest like a conservative investor, he is also more likely to reserve a portion of his investment funds for higher risk investments. So, let’s say a moderate investor has $10,000 to invest, he is more likely to invest $5,000-$6,000 conservatively, and the remaining sum in higher risk investments.

An aggressive investor understands the rules of the game quite well. He is willing to stake his money to get back some quick profit or lose it all. So, he is capable of taking risks that the average investor won’t dare take. Although, aggressive investors do invest conservatively too, however, they stake greater amounts of their money in riskier ventures, usually in the hope of achieving larger returns immediately or over a period of time.

As you can see, your investment patterns largely depend on your goals and tolerance for risk. But it is pertinent to state that whatever investment style or plan you choose, it is a good idea to get yourself acquainted with all the facts and risks involved with the investment. Knowledge makes for better and safer investment.

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What is Value Investing?

Different sources define value investing differently. Some say value investing is the investment philosophy that favors the purchase of stocks that are currently selling at low price-to-book ratios and have high dividend yields. Others say value investing is all about buying stocks with low P/E ratios. You will even sometimes hear that value investing has more to do with the balance sheet than the income statement.

In his 1992 letter to Berkshire Hathaway shareholders, Warren Buffet wrote:

We think the very term “value investing” is redundant. What is “investing” if it is not the act of seeking value at least sufficient to justify the amount paid? Consciously paying more for a stock than its calculated value – in the hope that it can soon be sold for a still-higher price – should be labeled speculation (which is neither illegal, immoral nor – in our view – financially fattening).

Whether appropriate or not, the term “value investing” is widely used. Typically, it connotes the purchase of stocks having attributes such as a low ratio of price to book value, a low price-earnings ratio, or a high dividend yield. Unfortunately, such characteristics, even if they appear in combination, are far from determinative as to whether an investor is indeed buying something for what it is worth and is therefore truly operating on the principle of obtaining value in his investments. Correspondingly, opposite characteristics – a high ratio of price to book value, a high price-earnings ratio, and a low dividend yield – are in no way inconsistent with a “value” purchase.

Buffett’s definition of “investing” is the best definition of value investing there is. Value investing is purchasing a stock for less than its calculated value.

Tenets of Value Investing

1) Each share of stock is an ownership interest in the underlying business. A stock is not simply a piece of paper that can be sold at a higher price on some future date. Stocks represent more than just the right to receive future cash distributions from the business. Economically, each share is an undivided interest in all corporate assets (both tangible and intangible) – and ought to be valued as such.

2) A stock has an intrinsic value. A stock’s intrinsic value is derived from the economic value of the underlying business.

3) The stock market is inefficient. Value investors do not subscribe to the Efficient Market Hypothesis. They believe shares frequently trade hands at prices above or below their intrinsic values. Occasionally, the difference between the market price of a share and the intrinsic value of that share is wide enough to permit profitable investments. Benjamin Graham, the father of value investing, explained the stock market’s inefficiency by employing a metaphor. His Mr. Market metaphor is still referenced by value investors today:

Imagine that in some private business you own a small share that cost you $1,000. One of your partners, named Mr. Market, is very obliging indeed. Every day he tells you what he thinks your interest is worth and furthermore offers either to buy you out or sell you an additional interest on that basis. Sometimes his idea of value appears plausible and justified by business developments and prospects as you know them. Often, on the other hand, Mr. Market lets his enthusiasm or his fears run away with him, and the value he proposes seems to you a little short of silly.

4) Investing is most intelligent when it is most businesslike. This is a quote from Benjamin Graham’s “The Intelligent Investor”. Warren Buffett believes it is the single most important investing lesson he was ever taught. Investors ought to treat investing with the seriousness and studiousness they treat their chosen profession. An investor should treat the shares he buys and sells as a shopkeeper would treat the merchandise he deals in. He must not make commitments where his knowledge of the “merchandise” is inadequate. Furthermore, he must not engage in any investment operation unless “a reliable calculation shows that it has a fair chance to yield a reasonable profit”.

5) A true investment requires a margin of safety. A margin of safety may be provided by a firm’s working capital position, past earnings performance, land assets, economic goodwill, or (most commonly) a combination of some or all of the above. The margin of safety is manifested in the difference between the quoted price and the intrinsic value of the business. It absorbs all the damage caused by the investor’s inevitable miscalculations. For this reason, the margin of safety must be as wide as we humans are stupid (which is to say it ought to be a veritable chasm). Buying dollar bills for ninety-five cents only works if you know what you’re doing; buying dollar bills for forty-five cents is likely to prove profitable even for mere mortals like us.

What Value Investing Is Not

Value investing is purchasing a stock for less than its calculated value. Surprisingly, this fact alone separates value investing from most other investment philosophies.

True (long-term) growth investors such as Phil Fisher focus solely on the value of the business. They do not concern themselves with the price paid, because they only wish to buy shares in businesses that are truly extraordinary. They believe that the phenomenal growth such businesses will experience over a great many years will allow them to benefit from the wonders of compounding. If the business’ value compounds fast enough, and the stock is held long enough, even a seemingly lofty price will eventually be justified.

Some so-called value investors do consider relative prices. They make decisions based on how the market is valuing other public companies in the same industry and how the market is valuing each dollar of earnings present in all businesses. In other words, they may choose to purchase a stock simply because it appears cheap relative to its peers, or because it is trading at a lower P/E ratio than the general market, even though the P/E ratio may not appear particularly low in absolute or historical terms.

Should such an approach be called value investing? I don’t think so. It may be a perfectly valid investment philosophy, but it is a different investment philosophy.

Value investing requires the calculation of an intrinsic value that is independent of the market price. Techniques that are supported solely (or primarily) on an empirical basis are not part of value investing. The tenets set out by Graham and expanded by others (such as Warren Buffett) form the foundation of a logical edifice.

Although there may be empirical support for techniques within value investing, Graham founded a school of thought that is highly logical. Correct reasoning is stressed over verifiable hypotheses; and causal relationships are stressed over correlative relationships. Value investing may be quantitative; but, it is arithmetically quantitative.

There is a clear (and pervasive) distinction between quantitative fields of study that employ calculus and quantitative fields of study that remain purely arithmetical. Value investing treats security analysis as a purely arithmetical field of study. Graham and Buffett were both known for having stronger natural mathematical abilities than most security analysts, and yet both men stated that the use of higher math in security analysis was a mistake. True value investing requires no more than basic math skills.

Contrarian investing is sometimes thought of as a value investing sect. In practice, those who call themselves value investors and those who call themselves contrarian investors tend to buy very similar stocks.

Let’s consider the case of David Dreman, author of “The Contrarian Investor”. David Dreman is known as a contrarian investor. In his case, it is an appropriate label, because of his keen interest in behavioral finance. However, in most cases, the line separating the value investor from the contrarian investor is fuzzy at best. Dreman’s contrarian investing strategies are derived from three measures: price to earnings, price to cash flow, and price to book value. These same measures are closely associated with value investing and especially so-called Graham and Dodd investing (a form of value investing named for Benjamin Graham and David Dodd, the co-authors of “Security Analysis”).

Conclusions

Ultimately, value investing can only be defined as paying less for a stock than its calculated value, where the method used to calculate the value of the stock is truly independent of the stock market. Where the intrinsic value is calculated using an analysis of discounted future cash flows or of asset values, the resulting intrinsic value estimate is independent of the stock market. But, a strategy that is based on simply buying stocks that trade at low price-to-earnings, price-to-book, and price-to-cash flow multiples relative to other stocks is not value investing. Of course, these very strategies have proven quite effective in the past, and will likely continue to work well in the future.

The magic formula devised by Joel Greenblatt is an example of one such effective technique that will often result in portfolios that resemble those constructed by true value investors. However, Joel Greenblatt’s magic formula does not attempt to calculate the value of the stocks purchased. So, while the magic formula may be effective, it isn’t true value investing. Joel Greenblatt is himself a value investor, because he does calculate the intrinsic value of the stocks he buys. Greenblatt wrote The Little Book That Beats The Market for an audience of investors that lacked either the ability or the inclination to value businesses.

You can not be a value investor unless you are willing to calculate business values. To be a value investor, you don’t have to value the business precisely – but, you do have to value the business.

Geoff Gannon writes a daily value investing blog and produces a twice weekly (half hour) value investing podcast at:

gannononinvesting.com gannononinvesting.com

One of the most popular questions asked by younger consumers is how do I build credit? Well there is a right way to build credit and a wrong way to build credit, here are some tips.

The Wrong Way to Build Credit
Most people think that in order to build good credit, they must borrow an obscene amount of money and pay it back. This is absolutely not true. First off, you do not need more than one or two credit cards or loans to establish good credit and secondly, you do not need to borrow more than a couple of hundred dollars, if that. In fact, never spend money on your credit card to establish good credit. The more you owe, actually the worse your credit score will be because your income to debt ratio is taken into account.

The Right Way to Build Credit
Building Credit takes time. Expect to build credit over the course of a few years. If you are 18 and receive your first credit card, by the time you graduate college, you will usually be established.

Have one or two credit cards top. You don’t need to have a store credit card or a special credit card for points. Choose your credit cards wisely and stick to them.

Never live beyond your means. Yes, one late payment can put a mark on your credit score; however it isn’t the end of the world. You don’t need perfect credit, shoot for above average credit and you will most likely find that all the doors are open to you and all obstacles are removed.

Manage your money. Building credit is an extension of your money management skills. Whether you make a very small income or huge income, you can still find yourself in debt. When deciding to build good credit make sure you are responsible and knowledgeable on how the credit system works and how to manage your money effectively.

Request a credit report at least once a year and even twice a year if you have ever lost your wallet or had a card stolen from you. By checking your report you can keep up to date on what your creditors report to the main credit bureaus. If there is an error, you can fix it quickly, if you see that a new account was opened that you don’t know about, it is possibly due to fraud which you can stop before lots of damage has been done.

Connie Barker is the owner of several financial websites including those that deal with

Like any other human beings, the fair sexes have wishes and desires despite their bad credit record. They might crave for setting up a fresh business or have high aspirations to expand the current business to their expectations. Such women are highly admired by financial institutions, and have come up to aid financially under the scheme termed as bad credit woman business loans. Female business entrepreneurs can now borrow funds to carry out their business related ends with the help of bad credit woman business loans.

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Ben Gannon is a senior financial analyst at Woman Business Loans with an acumen for business and loans. In recent years he has taken up to provide independent financial advice through his informative articles.

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I highly recommend this series of books to anyone whose school or dojo practices the Heian series of katas. Unfortunately, I think that these books are out-of-print, so it may take some time and a few bucks to track them down and obtain them, but they are well worth the price.

This review is on the last volume in this truly wonderful series of books that focuses on the Karate katas required for advancement through the colored belt ranks on your way to first degree black belt. I just finished rereading this fifth volume in the series, “Karate Kata: Heian 5” by Masatoshi Nakayama for the first time in quite a few years and was reminded of the first time I had purchased this and the other four books in the series when I was first starting out upon my martial arts journey whose primary focus in those early days was Karate and Tae Kwon Do. These books were some of the first ones I owned concerning the martial arts and kata or forms in particular.

In this final book in the series, the author starts out with the customary introduction, as he did in the previous four volumes, and follows that up with a section on the proper execution of a kata and the performance points to focus on, of which there are seven of them. He then explains the five do’s and don’ts of kata, followed by the primary focus of the book which is on karate kata Heian #5, which is a required form for the upper rank karate students. The footwork diagrams are not only very well done, but they are very clear and precise in their presentation. You may be a bit confused by the diagram at first, but that will clear up just as soon as you perform Heian #5 a few times.

Outstanding is how I would rate the author’s layout for all the volumes in the series, and they are presented in such an easy to understand way that it makes each move in the kata look easier than what they really are.

An extensive variety of front and side view photographs are used in order to show you not only the beginning and ending of each move, but also the transitional stages of movement between the beginning and ending of the technique. This of course is necessary due to the limited scope of this book and the vast amount of technical detail there actually is even in the simplest looking of kata. This is one of the many highlights of this series and just goes to show the amount of time and care that was taken in the production and development of this outstanding book. The author also uses an occasional overhead photograph to go along with the standard front and side view photographs of each move.

Although I found the descriptions of each move to be a bit too brief, they were still fairly good and could have been even better if they went a little more in-depth. The closer views of some of the more difficult techniques was also well done and was another nice little gem unto itself.

Applications of each technique as they apply to being used against an actual opponent is also included in this volume. Although a lot of the “modern day” experts may disagree as to the value of kata as a method of teaching self-defense principles, those of us in the know understand the great value kata has when you understand all of the principles behind the correct execution of a kata. These “modern day” experts tend to only look upon the surface of the kata, rather than delving underneath the surface to all the wonderful principles that kata truly represents.

A Japanese and English glossary of Karate terms is also included towards the end of this book. The book itself ends with a unique fold-out of the kata shown from an overhead view with accompanying footwork illustrations alongside the photographs. This is a really nice touch and fairly unique as I don’t recall every seeing this particular format in any other martial art related book.

Shawn Kovacich has been practicing the martial arts for over 25 years and currently holds the rank of 4th degree (Yodan) black belt in both Karate and Tae Kwon Do. Shawn has also competed in such prestigious full-contact bare knuckle karate competitions as the Shidokan Open and the Sabaki Challenge, among others. In addition to his many accomplishments, Shawn is also a two time world record holder for endurance high kicking as certified by the Guinness Book of World Records. Shawn is the author of chikara-kan.com/shoppingcart/Axe-Kick-p-16135.html” target=”_blank Axe Kick the third volume in the highly acclaimed chikara-kan.com/shoppingcart” target=”_blank Achieving Kicking Excellence™ series.

A typical small business needs to watch every penny. To last in the competitive business world, you need to maximize profits and just as importantly, reduce expenses. Many businesses don’t realize that they could easily be saving a percentage of their purchases with a cash back business credit card. Instead of letting bank fees eat away at your profits, your credit card can work for you.

How can the banks offer cash back for your business?

For decades the banks have been charging high interest rates and eating away at business profits. Businesses would just sit back, hoping the bank would eventually give them a better interest rate. Times are changing though. Today the credit card market is very competitive. A business can now choose between credit cards from nearly any financial institution.

As the banks compete, they are offering credit cards with better perks and rewards. If your business needs to travel a lot, you can get airline points. For a business that drives a lot, there are gas station rebate credit cards. Many larger stores even issue their own credit cards with special in store rebates. These credit cards lacked flexibility though. So as competition in the credit card market increased, credit card issuers resorted to offering cash back credit cards.

The banks can afford this to attain a new customer. The cash back is balanced out by interest charges and other fees. So for most people the cash back is just a savings on their bank fees. Plus these same customers might require additional financial services. The banks definitely aren’t losing much money by offering cash back.

Are cash back business credit cards just a scam?

No they are not a scam. These credit cards actually do give your business money back. You just need to be familiar with any restrictions. Most cash back business credit cards have a maximum annual cash back limit. Other cards have different cash back terms based on the credit card purchase type. For example, you might get a different cash back percentage at a gas station compared to a grocery store or office supply store. Some cash back credit cards also have a minimum spending before points can be redeemed.

To get the most out of a cash back credit card, you need to be disciplined. It is very tempting to put extra purchases on your credit card to get more cash back. Only use this strategy if you are able to pay off the card every month. Otherwise you would just be accumulating more interest charges. If you can pay the card off every month, try to use your credit card more instead of cash or checks.

For some businesses the cash back maximum can also be a problem. A business with high operating expenses could easily reach the annual cash back limit in a very short time. If this is the case, consider getting a different credit card to use once the limit has been reached. Some newer cash back business credit cards offer no limit on the amount of cash back you can earn.

Before applying just read the terms and conditions of the credit card. Many cash back credit cards use phrases like “up to 5% cash back”. This usually means that you can only get that cash back percentage for just one type of purchase or there is some other catch.

Despite certain card restrictions, a cash back credit card is a very good idea for your business. Your business could be saving thousands of dollars on your business expenses. Just take the time to compare different cash back business credit card offers before you apply.

Compare the best americanbusinesscreditcards.com/ business credit card applications online and apply today. Get money back with a smallbusinesscreditcards.net/cash-back.php cash back business credit card. Save money with a smallbusinesscreditcards.net/gas-rebate.php gas business credit card.

Specialists on money management analyze the ways how common consumers get into debt and determine basic plans out of debt.

No new debt. It stands for sure that financial and psychological burden of being in debt causes continuous emotional stress. It reflects us greatly, makes us powerless, irritated, depressed and helpless. So, you have to make the commitment to yourself and your family that together you will take on no new forms of debt. It’s not a good habit to live beyond one’s means. It’s high time to break this pattern.

Track Your Money. Don’t wait getting deeper in debt. Put all efforts together and make yourself to write down your monthly income (job, savings, investing, etc.) and expenditures (mortgage, electric, water, gas etc.), including every penny (even seemingly unessential). This procedure should be done regularly, at least once a month for you to know where your money goes. This will help you to count exactly how much you have to live on, how much you have to pay out each month and exactly how much you have to find each month to pay debts. It’s proven that with no such writing people spend to 10% more that they can afford.

Negotiation. Consider writing to your credit card company or loan company and asking about renegotiating the terms. Asking does not hurt. If you don’t ask you won’t get. There is no guarantee that lenders will agree to lower interest rates or agree to accept a lower monthly amount. But you need to explain your financial situation in details and the action you’re taking to overcome difficulties. Having heard this, lenders may give you a chance to get better interest rates and better payment terms.

System of payment. The main clue to achieve freedom from debt is to work out debt payment system that really works and to follow it strictly. Once you have a clear picture of what has to be paid and to whom each month and exactly how much money you have to pay, you can make the list of debts in accordance with interest rates. The highest interest rate debt should take the first place in your list. And every effort should be done to pay it first. Use all cash possible, savings, benefits from investing or whatever. All the other debts should be paid with minimal amount of money. Any spare money you have left at the end of the month use it to pay off an extra slice of debt number one. After you have paid the debt number one use the same policy with the next highest interest rate debt.

Once you finally get debt free remember those efforts you’ve made to reach it. Do you want to try it again? When you stand on solid ground of finance it does not at all mean that you may be totally free from budgeting, writing down earning and spending. Continue doing this it to prevent that unpleasant financial collapse that you’ve experienced.

Den Braun is an expert in finance. The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. Den Braun writes about Debt settlement & debt negotiation and other related topics on the debt-settlement website.

To learn more about debt and finances in general, visit debt-help-center.net/ debt-help-center.net debt-help-center.net

The most common reason for people opting to take out a short term bridging loan is where they are in the middle of a house move. They have spotted the perfect new home but have yet to sell their existing property. Bridging finance allows you to take out a short term loan to cover the gap and it only takes a few days to put into place.

There are many other situations where a bridging loan may be a suitable way of acquiring the finance you need:-

Buying A Property From An Auction – where funds need to be in place within 28 days to able to complete the purchase.

Purchasing Land Or Even Property Abroad

Refurbishing An Investment Property And Selling On In A Short Space Of Time – where funds may be required for 6 months or less.

Going On A Luxury Holiday – where you may see a fantastic deal and the need the money to pay for it at short notice.

Paying For A Wonderful Wedding…or for any business finance purposes…

Raising The Money To Pay A Tax Bill

Covering Any Temporary Cashflow ProblemsFor a lender, a bridging loan can be said to carry a higher risk and this invariably means that the borrower will be required to pay a higher percentage rate of interest on the loan, so make sure that you are fully aware of the costs that will be involved and ensure that you are in a position to make the monthly repayments on your bridging loan.

Unlike a remortgage or a secured loan, a feelgoodloans.co.uk/bridging_loans.php” target=”_blank bridging loan can be arranged and in place within a few days. If you need the money fast, then in terms of borrowing, this is probably going to be one of the easiest ways to achieve your goal. You should always review your options however, so that you know that a bridging loan will be the best option for you.

Andy Silk is Head of Finance at FeelGoodLoans: specialists in loans for homeowners and tenants, mortgages & remortgages, bridging loans and commercial finance.
To see more articles and loan & mortgage resources from FeelGoodLoans, visit FeelGoodLoans.co.uk FeelGoodLoans.co.uk