Edgar Agent

What is an EDGAR agent? EDGAR is the Electronic Data-Gathering Analysis, and Retrieval System. This system is designed to handle the Securities and Exchange Forms that publicly held companies are required to file. What used to be done manually is now able to be done automatically online. Your Edgar agent collects, validates, indexes, accepts, and forwards appropriate forms that your company is required to submit.

EDGAR filings is a great boon for investors and companies. In the age of instant online access to nearly everything, companies did not want to wait for audit reports that took a long time for accountants to generate. With online agents, the reports are collected, synthesized, and accessible to companies and investors alike. Investors can quickly and easily view financial information of companies in which they are considering investing.

Companies are required to file these forms with the EDGAR database. Like many financial forms, these are long and complicated. Often companies don’t want to spend time on them when they have to run their businesses. The solution that companies find is to have a service prepare and file the appropriate forms for them. Such services offer companies quarterly and annual filings of a variety of forms, as well as quarterly, semiannual, and annual filings for mutual funds. In addition, they will handle Quarterly Institutional Investment Managers filings. Filing agents also “EDGARize,” or convert documents into the acceptable SEC filing format.

Putting everything in the correct format, meeting the deadline requirements, having all the pertinent data, and knowing which fees are applicable is an overwhelming job when added to the myriad duties company officials already have to handle. Edgar agents handle this process for them in order to ensure they are in compliance with the SEC rules. In order to get started with an EDGAR filing agent, you need to provide certain information. For instance, you will need to provide both your CIK (Central Index Key) and CCC (CIK Confirmation Code) numbers to the agent. These are unique codes given to entities in order to file forms with the SEC. Your company then emails the documents that need to be filed. The filing agent EDGARizes the documents, and you are given the opportunity to review them. After your review, the agent will file the forms with the SEC.

These services can often work very quickly, if you are in a time crunch. As with any service you hire, you should check on the reputation of the company. Also, are they knowledgeable about all aspects of the EDGAR system and filing requirements? Do they file your documents or only prepare them? Registered agents can help you handle the necessary forms, ensuring that your company is up-to-date with the SEC’s regulations.

Investing in a Certificate of Deposit

Are you one of the few who despite the financial turmoil has been able to save some cash? Do you have cash on hand because you sold the rest of your stock or mutual fund portfolio after watching it drop? If the answer is yes, I have one question for you, what are you going to do with it? With the stock markets down 40% or more, investing and making your savings grow has become a challenge. A safe investment for your money would be Certificates of Deposit or CD.

A CD is actually commonly called “time deposit”. A certificate of deposit is somewhat similar to a regular saving account but with a twist. Unlike a savings account where you are free to withdraw anytime (up to 6 withdrawals per month, Certificate of deposits have fixed terms.

There are tons of CD terms, 1 month to 3 months or more, some terms are as long as 10 years. During this time, you can’t withdraw your money, but you are guaranteed to earn fixed interest rate that’s much higher than a traditional savings account rate.

The rule of the thumb is, the longer the term, the higher the interest rate. Certificate of deposits are offered by banks, thrift institutions, and credit unions. Your deposit is safe as it is insured by FDIC up to $250,000 per depositor.

If you are planning to invest in a CD there are tons of online resources to find the best CD rate.

Here is a small sample of current CD rates.

1. You can earn 2.40% on your deposit for a 1 month CD. The minimum deposit is $10,000.

2. Another bank offers as much 4.27% for a 12 month CD. There is a $500 minimum deposit for this provider.

3. For a deposit of $10,000 in a 5 year CD, you can earn up to 5.02%.

4. A seven month Certificate of Deposit (CD) currently yields 4.11%. This special rate is a promotional online CD rate and the minimum opening balance is $5,000.”

5. GMAC Bank is offering a 3 month CD rate of 3.15% with an annual percentage yield of 3.25%. The rate is for balances of $500 or more. The penalty for early withdrawal for a 3 month certificate of deposit is 90 days of interest, basically all the interest you would have earned so be sure that you won’t need your funds before locking in this CD.

So be sure you won’t need access to your money when you invest in a certificate of deposit. If you are unsure when you might need access to your fund it’s better to invest in only short term CDs, like a 1 to 3 months CD, instead of a longer term CD.

Certificate of Deposits allow you to earn easy money without risking your hard earned savings. However, I have a piece of advise for you, since financial institutions require that you don’t withdraw your money for the duration of the Certificate of deposit term, you must deposit only the amount that you won’t need during the term’s duration. Otherwise, instead of earning interest, you will lose some of your interest earned because banks charge a penalty for early withdrawal.

Saving for the Future – The Right Time is Always Now

When the market goes up, it might be too expensive. When the market goes down it might go lower. The harder you try to figure out market timing, the more confused you are likely to become. And looking back in time is always easier than looking ahead.

Regular Savings Plan

When looking for a company that will help you save for your future becomes a difficult and time-consuming task, a trusted and reliable fund management company comes to the rescue. You may have not noticed it, but such company is actually accessible and you don’t really have to spend so much time, money and effort just to find the suitable one. An established company or that which has gained a reputation in the investment market is not that hard to find. All you need is the right and basic knowledge to do business with them and in order for you to get started with your savings plan. Be sure to look for one that lets you beat the clock.

How it Works

You will of course start with the basics. You can begin by putting aside a regular amount each month and then see what happens. Try to analyze the outcome or the results of your investments. Now, when your fund goes up, you win. You may ask why? It is because you are actually making money when the fund goes up. But what if the opposite happens? Well, the situation would be this, if your fund goes down, your regular contribution buys more shares in the fund, thereby putting you in an even better position to benefit when the funds moves back up again. What’s good about this is that either way, you will still benefit over the longer term.

Market Timing

Now you have to keep in mind to leave market timing to gamblers and speculators. The best thing to do is to join the smart investors who put their money each month into a regular savings plan with a stable company. So another thing that you need to consider to learn how this magic works is for you to speak to your investment adviser or bank. When you are settled with your investments, don’t be surprised to know if the value of your units may go down as well as up. The truth is, past performance is not necessarily a guide to the future. You should quite expect and know that the price of shares in the funds and income from a fund management company normally may go down as well as up.

With a low minimum initial investment of just $1,000USD, and minimum monthly payments of $100USD, additions to accumulating accounts can be through automatic payments or by cheque. Anybody can afford it, indeed savings plans are particularly flexible, allowing people or willing customers to add more or less along the way. Some companies’ mutual funds have no restrictions on the frequency with which people add to their investment or the amount of monthly contributions over the minimum. Investors in the savings plan also get a monthly statement, so they can follow the progress of their investment. GP

What Are Fixed Retirement Annuities?

The Basics

An annuity is a product that is marketed by an insurance company. It combines some features of life insurance with some features of investment products. This allows them to provide some benefits of both. A good product should be a safe investment with guaranteed returns, but also provide the owner with higher returns than some other savings options.

Fixed vs Variable

I am writing about fixed annuities only. You may have heard about variable annuities, but they are beyond this article. They are for a more risk adverse investor, and beyond the scope of what we are discussing.

People like fixed annuities because of their safety. They are intended to help the owner reach a future financial goal. Common examples are retirement savings or a college education fund.

Most people think about having a guaranteed payout after a period of years from their investment, but a person can choose different types of payouts too.

Returns are earned in different ways, but it is common to see set interest rates or having the return pegged to some large market index. The S&P 500 is one example of this. With an indexed fund, the return will rise as the stocks go up.

Of course a major selling point of fixed annuity products are guarantees that they will not lose money during down years. Some may have a guaranteed return of 2%, or even 0%. This is better than a negative return rate. Make sure you understand the return guarantee of the annuity you are considering.

If you invest in stocks or mutual funds, you know you are taking a risk. You can lose money. While your annuity fund may not earn quite market rates during good years, it should not lose money during downturns in the market. Everybody who has been keeping up with recent financial news knows how important this can be, especially when you are saving for retirement.

One other big point in favor of this type of product is favorable tax treatment from the IRS. The cash, and compounding, can grow tax deferred. And depending upon the IRS status of the fund, payments may also get a better tax treatment than some other types of investments.

You need to find the right product for you.

The amount of time you can do without your money, how long you want to get paid, and home much income you need to generate are a few of the things to weigh. One product will not provide the best solution for everybody, but there are many choices on the market these days.

Rules for Investing- How To Build a Portfolio of Safe, Secure Investments

In order to invest wisely, you need to have a suitable investment plan that will ensure the appropriate amount of growth for you. Your investments will also need to be safe and easy to manage.

Developing an Investment Plan:

The first step in developing an investment plan is to identify what type of an investor you are. Investor types are often determined by their stages in life. Here is a guide:

– Single person under 40 years old. Focus: Long-term investments, medium to high risk. Emphasis: capital gain, compound growth.

– Two-income married couple, no children, aged 20 to 40 years. Focus: Long-term investments, medium to high risk. Emphasis: capital gain, compound growth.

– One-income family, young children, aged 20 to 40 years. Focus: Long-term investments, low to medium risk. Emphasis: compound growth.

– Single person, aged 40 to 60 years. Focus: Medium-term investments, medium risk. Emphasis: capital gain, compound growth.

– Married couple with adolescent or independent children, aged 40 to 60 years. Focus: Medium-term investments, medium risk. Emphasis: capital gain, compound growth.

– All investors, aged 60 and over. Focus: Short to medium-term investments, low risk. Emphasis: Income.
The following are examples of investment portfolio mixes for the various types of investors.

Low Risk Investments:

Low risk investments are predominately cash, fixed interest and superannuation. This has the lowest risk of all investments but has also the lowest return – in todays market, approximately 3% to 6% per annum. Fixed interest includes cash, cash management trusts and bonds. They return approximately 5% to 10% per annum, sometimes as high as 15% if you invest in global bonds in good markets.

Superannuation returns and risk profiles vary from institution to institution, however the best and safest usually return on average 10% per annum.

Medium Risk Investments:

Medium risk investments include property and non-speculative shares. Diversified funds, which invest in a range of asset groups, are also considered to have medium risk profiles. Average returns from these types of investments will range from 8% to 15% per annum.
I also like to include the broad spectrum of mutual funds, to be discussed later, in the range of medium risk investments. Some can return up to 25% and more depending on the fund type and managers.

High Risk Investments:

High risk investments include all speculative shares, futures and any other type of investment that is purely speculative by nature. Because with these types of investments we are betting on whether the price will go up, or sometimes down, I often classify this as a form of gambling. Accordingly, the returns are unlimited but so is the ability to lose the total money invested.

The basic rule for investing in highly speculative stock is to build in sell-out thresholds, three up and three down. For example, if you buy a stock at $20.00 per share, your sell-out thresholds might be:

Sell out threshold 3 $30.00

Sell out threshold 2 $25.00

Sell out threshold 1 $22.50

Buy $20.00

Sell out threshold 1 $17.50

Sell-out threshold 2 $15.00

Sell-out threshold 3 $10.00

Each time your stock reaches one of the threshold levels, you sell a third of your stock.

If the stock starts to rise, you sell a third at $22.50 and then another third at $25.00 and so forth. If the stock starts to fall, you also sell a third at $17.50, then another third at $15.00 and the final third at $10.00. In this way, you will never lose all your money, however you have also put a cap on the total profit you will make on the investment. This I have found to be the best and safest method for investing in speculative shares. In 1987, my husband and I were saved from the severe losses of the Wall Street crash because we were well and truly out of the market by taking our profits beforehand. Like all systems, this strategy will only work as long as you obey the rules and do not get too greedy.

Mutual Funds:

Mutual Funds are a selection of investments that are professionally managed by a financial institution or organization. These institutions have a wide range of specialists, researchers and advisors who devote their time to ensuring that the fund invests in the best companies and assets.

As well as the advantage of having experts manage your investments, managed funds also give you the ability to invest in a wide range of shares, property or fixed interest markets, either locally or internationally, for as small an outlay as $1,000. In the latter case, they also require a savings plan where you agree to deposit additional capital of a minimum $100.00 per month.

Because managed funds cover the whole spectrum of investment risk profiles, you can easily cover your preferred investment portfolio, as described above, by investing in several different funds.

Putting Together Your Investment Program:

After you have identified your investment type, you need to either seek a good financial advisor or devote your own time in researching investment options.

Shares have traditionally outperformed other asset groups over time. However, share markets can widely fluctuate in the short term, so any entry into the market should always be done with a long-term view of up to 10 years. Even the best managed share funds can fall if the stock market crashes or enters a severe downward cycle. As long as you ensure that you are with a reputable fund with good managers and are willing to ride the waves, your investment will do well in the long-term. If you are in the short-term, low risk category then your investments should be in the safer, more stable areas with lower returns.

Rules for Investing:

Investing may seem daunting for a lot of people. Maybe you have tried it once and failed, or maybe you are simply frightened of losing your money.

To avoid losing any capital, you simply need to be aware of the main pitfalls and always avoid them. The simple, reliable rules for investing are:

1. Have a plan. Always ensure that you or your financial advisor draws up an appropriate investment strategy for you that incorporates your risk profile, timeframes and financial goals. As foolish as it seems, many people plunge headfirst into investing without thoroughly working through these fundamental issues.

2. Dont put all your eggs in one basket. Obvious advice, but many people fail to follow it. Many people think that they are on the right financial track by paying off the mortgage on their family home and then buying another property for investment purposes. Think about it! You have put all of your financial eggs in one asset basket – property. What happens if the property market collapses? Despite common thinking that this is a safe way to invest, the outcome is very risky. You have invested all of your well-earned money into only one area.

3. Build in appropriate timeframes. There is an old saying, When the tea lady starts to invest in the stock market, its time to get out. What this means is, when the share market is so high that everyone starts to clamber on board, it has probably reached its peak. There are two ways of successful investment timing. The first is to always pick the low-end of the market to buy and the high-end of the market to sell. This is extremely hard to do. Even the best-informed experts have trouble. The second way is to choose good investments and stay with them over the long-term (say 10 years or more) and ride the waves of the market. For safe, easy investing, choose the second method. Do not buy into the top-end of the market and sell once it starts to fall. You will definitely lose money this way.

4. Avoid high-risk investments. These include risky business ventures, highly speculative stock, tax avoidance schemes or too-good-to-be-true propositions that promise unusually high returns.

5. Avoid borrowing for your investments. Although some financial advisors advocate gearing your investments, this can be fraught with danger. Gearing means to borrow. If borrowing for investments takes you over your 40% fixed costs margin, you will be cutting it too fine, particularly if you lose your current income level.

6. Stay with the traditional and known. The best and surest investments are fixed interest, property and shares. Although all asset classes will fluctuate over time.

Work out the optimum mix for your investment profile, have a safe plan to work with and you cant go wrong.

In order to invest wisely, you need to have a suitable investing plan that will ensure the allow add up of increase for you. Your investments will also need to be safe and easy to manage.

Developing an Investment Plan:

The first step in development an investment plan is to discover what type of an investor you are. Investor types are often determined by their stages in life. Here is a guide:

– one person under 40 years old. Focus: Long-term investments, medium to high risk. Emphasis: capital letter gain, compound growth.

– Two-income married couple, no children, aged 20 to 40 years. Focus: long-term investments, medium to high risk. Emphasis: capital gain, chemical compound growth.

– One-income family, young children, aged 20 to 40 years. Focus: Long-term investments, low to medium risk. Emphasis: compound growth.

– Single person, aged 40 to 60 years. Focus: Medium-term investments, average risk. Emphasis: great gain, deepen growth.

– Married couple with adolescent or independent children, aged 40 to 60 years. Focus: Medium-term investments, metier risk. Emphasis: majuscule gain, compound growth.

– All investors, aged 60 and over. Focus: Short to medium-term investments, low risk. Emphasis: Income.
The pursuit are examples of investment portfolio mixes for the versatile types of investors.

Low Risk Investments:

Low risk investments are predominately cash, fixed involvement and superannuation. This has the lowest risk of all investments but has also the lowest generate – in todays market, approximately 3% to 6% per annum. Fixed interest includes cash, cash management trusts and bonds. They reappearance approximately 5% to 10% per annum, sometimes as high as 15% if you invest in spheric bonds in good markets.

Superannuation returns and risk profiles vary from institution to institution, however the best and safest usually return on mediocre 10% per annum.

Medium Risk Investments:

Medium risk investments include property and non-speculative shares. Diversified funds, which invest in a range of asset groups, are also considered to have medium risk profiles. Average returns from these types of investments will range from 8% to 15% per annum.
I also like to let in the broad spectrum of mutual funds, to be discussed later, in the range of medium risk investments. Some can return up to 25% and more depending on the fund type and managers.

What Are All the Types of Mutual Funds Available?

When it comes down to it, there are thousands of choices when it comes to investing in mutual funds. The only way youre going to know which fund is the best for you is by assessing the investment strategy of that fund and looking at the risks that are associated with it. This is important to do so that you can find the mutual fund that is the right fit for you. If not, it is like putting your shoes on the wrong feet. Youre not going to be able to stand on your feet for too long. Finding the right fit means that you can stay in the game and actually benefit from it financially.

But since there are thousands of choices, were just going to discuss the main categories that mutual funds fall into. Those funds are:

1. Money market funds – These are funds that have a lower risk compared to many of the other funds out there. It is mandated by law that money market funds are only able to invest in short-term investments that are of a high quality. These investments can only be made in U.S. companies and the different levels of government. The good news is that investor losses are quite rare, but they have happened. This is more or less the type of fund utilized by those who do not like risk.

2. Bond funds, or fixed income funds – These mutual funds have a higher risk than money market funds. The reason why the risk is higher is because these are the funds that tend to seek out higher returns. These types of mutual funds are not restricted to a certain type of investment like money market funds are. Most importantly, their risks can vary. Such risks include: a credit risk because certain parties may not pay the bills, interest rate risks because the value of these bonds can go down when the interest rate goes up, and prepayment risks because the bond issuer may decide to pay off debt to issue new bonds when the interest rate falls.

3. Global equity growth funds – The value of these mutual funds can rise and fall very quickly over a short period of time. However, they do tend to perform better over the long-term, making this a fund that a lot of long-term investors embark upon. These tend to be the riskiest of the funds, but funds tend to have higher returns when they are extremely risky. It just depends on what type of risk you want to take.

4. Balanced funds – These funds consist of different types of investments such as bonds, common and preferred stocks, and short-term bonds. This avoids too much risk and gives the investor the opportunity to receive income and capital appreciation. These types of mutual funds give the investor the opportunity for both growth and income. These investments tend to manage the downturn of the stock market better. That means there is not as much loss associated with these funds.

So now you know the different types of funds. Now it is just a matter of sifting through the thousands of funds within them that can yield great profits or large growth. It depends on what type of risk you are prepared to take with your money. Just keep in mind that the greater the risk the higher the return tends to be. However, the greater risk can also result in money being lost. Once that money is lost, it cant be recovered. So you have to ask yourself whether a short-term investment is best for you or if you are willing to go on in for the long haul.

When it comes down to it, there are thousands of choices when it comes to investing in mutual funds. The only way youre going to know which fund is the best for you is by assessing the investment strategy of that fund and looking at the risks that are associated with it. This is important to do so that you can find the common fund that is the right fit for you. If not, it is like putting your shoes on the wrong feet. Youre not going to be able to stand on your feet for too long. Finding the right fit means that you can stay in the game and actually gain from it financially.

But since there are thousands of choices, were just going to discuss the main categories that common funds fall into. Those funds are:

1. Money market funds – These are funds that have a lower risk compared to many of the other funds out there. It is mandated by law that money market funds are only able to enthrone in short-term investments that are of a high quality. These investments can only be made in U.S. companies and the different levels of government. The good news is that investor losings are quite rare, but they have happened. This is more or less the type of fund utilized by those who do not like risk.

2. Bond funds, or fixed income funds – These mutual funds have a higher risk than money market funds. The reason why the risk is higher is because these are the funds that tend to seek out higher returns. These types of mutual funds are not controlled to a certain type of investment like money market funds are. Most importantly, their risks can vary. Such risks include: a credit risk because certain parties may not pay the bills, worry rate risks because the value of these bonds can go down when the interest rate goes up, and prepayment risks because the bond issuer may decide to pay off debt to issue new bonds when the interest rate falls.

3. Global fairness growth funds – The value of these mutual funds can rise and fall very quickly over a short menstruation of time. However, they do tend to perform better over the long-term, making this a fund that a lot of long-run investors enter upon. These tend to be the riskiest of the funds, but funds tend to have higher returns when they are extremely risky. It just depends on what type of risk you want to take.

4. Balanced funds – These funds comprise of unlike types of investments such as bonds, common and preferred stocks, and short-run bonds. This avoids too much risk and gives the investor the opportunity to receive income and working capital appreciation. These types of mutual funds give the investor the opportunity for both growth and income. These investments tend to manage the downturn of the stock market better. That means there is not as much loss connected with these funds.

So now you know the different types of funds. Now it is just a matter of sifting through with the thousands of funds within them that can yield great profits or large growth. It depends on what type of risk you are prepared to take with your money. Just keep in mind that the greater the risk the higher the return tends to be. However, the greater risk can also result in money being lost. Once that money is lost, it cant be recovered. So you have to ask yourself whether a short-term investiture is best for you or if you are willing to go on in for the long haul.