In the world of financial management there are several phases. This article examines the part called wealth accumulation. The phase of wealth accumulation is the part that if it is not accomplished will mean that there is no retirement. Additional resources are contained at the end of this article.

Free Retirement Plan Wealth Accumulation

This is the phase that everyone wants to talk about but few do anything about. The news and popular media talk about wealth and the trappings that go along with it. Popular culture, movies and entertainment tout the benefits of large houses, cars and expensive toys. Rarely do they talk about true wealth and how to accumulate it.

Getting Started .

Let’s get to the nitty gritty of it all. There are a few steps that you need to take before you even get started:

1. Write down every dollar that you spend over the next month. Examine why you have each expenditure, and is it necessary? Could you do without it?
2. Examine your debt. What can be reduced? Put your debt in two lists. Sort one list by size and the other by interest rate. Payoff the small debts first. Create some small successes. As you pay some smaller debts off, look to also eliminate some of the higher interest loans.
3. Make sure and pay your biggest fan first, YOU!! You should save at least 10% of your salary with the goal of taking that to 20%
4. Set a goal of giving 10% of your earning to the charity of your choice. For many that may mean donating your time in the beginning. Use your earnings per hour in your career as a guide.
5. Take advantage of all three of the savings buckets available: Tax deductible savings – Employer sponsored plans. Tax deferred savings – Life insurance, ROTH IRA’s. Taxable savings – These are plans like passbook savings accounts, CD’s and money market accounts. Used for emergency savings.

This is the most important phase that most overlook. You will want to have a liquid account with a value that equals 6 months of your necessary expenses. This is in the event of a job loss, illness, natural disaster etc. so that you household could maintain itself for that period.

The other goals that you will want to accomplish, is to have paid off all your debts that are attached to major purchases over the period of 18 to 36 months. The only debt that should remain is for housing. The goal would be to have housing debt paid off within 48 to 60 months. You would then want to stretch the life of these purchases to 10 to 15 years.

Once you have accomplished all of the goals, except housing, you can move that cash flow towards retirement savings with a vengeance. When housing is paid off, then that should represent a quantum leap in your retirement savings. A key element is to avoid the temptation of “keeping up with the Joneses”. This can mean doing things a little different than others. An example would be cooking your own meals rather than eating in restaurants the majority of the time. Take the difference and apply it to your retirement plan, saving or debt reduction. Spending money on self-improvement is more productive than spending money on entertainment. Each expenditure should be examined and the decision made it this more important than meeting our risk based or retirement needs.

These are decisions that should be continually reviewed. As income increases and / or debt and expenses are decreased you must reallocate your net income.

What is my chosen career?

When making a career choice, keep in mind this is what you are going to do for the next 35 to 40 years of your life. It is important that you make a choice that you will be able to stay with and not lose your sanity. There are many assessments that will help you best determine a career that suits who you are. It is better to chose something that works toward your natural strengths.

Trial and error may come into play. You may have to try a number of jobs before you find the career that will be the right one for you. Career selection is a highly personal choice. For some being able to work outdoors and not be confined to an office is desirable. These jobs become less desirable as a person ages. Usually these careers pay more in the early years, relative to office jobs. This career path requires a level of physical fitness and somewhat less mental fitness. Over time the physical activity becomes harder to maintain and even harder to increase. On the other hand, an office career usually starts out relatively lower in pay. However, over time it becomes easier to increase one’s mental capacity instead of rather than physical ability. This however also comes with a price. A sedentary life style has negative effects on one’s physical health. It may be desirable to schedule exercise as a part of your off time.

Post high school education will not guarantee you a higher salary, but it will help. Either trade or vocational schools or colleges and universities will improve your opportunity to earn more over time. Both of these will require a financial commitment. For an initial period even after your education is complete you may not make as much as those with less education or training. This will be offset over time. The important thing is to get education in an area that you feel you will be able to work in throughout your working career. The next thing to remember is to be prepared to change directions later in life.

Post retirement

Technology will change things as you age. Things that were necessary to society and highly valued may become worthless as you grow older. Buggy manufacturers in the 1800’s were prized but today are very valued. Typewriters in the 1960’s and 1970’s were an important part of business, but today you can’t give them away. Continued study and willingness to adapt will serve you well throughout your career. As science continues to increase our productive lifespan, this may even become necessary.

In the early 20th century, the life expectancy for the entire world was 30 to 40 years. In 2008, the average life expectancy of the world is 66.12 years of age. The United States has a much higher average. The current average life expectancy for the United States is 78.06 years. This means since 1900 life expectancy has increased by 66%. In 1900 you were even expected to live to the current retirement age of 65. Many insurance companies are basing their insurance policies on an age of 120. If this were to happen, it would mean that savings of 35 to 40 years would have to support a life style that would last for 55 years past retirement. You will either have to choose a longer working career, a part-time career, a higher savings rate, or a lower standard of living after retirement or some combination.

Another factor to consider is inflation. Let’s assume you have a retirement income need of $5,000 per month. If we use an age of 65 and assume a life expectancy of 90 having an inflation rate of only 3% will increase that income need to $10,468 per month.

Health insurance is another often overlooked factor. Health insurance costs are rising faster than inflation. This means either you will have to make health insurance a part of your retirement package from your employer, plan for rising costs that will outpace your investment earnings or continue to work for insurance benefits. This along with the cost of home health care in the event of a chronic illness or injury could wipe out your entire retirement nest egg

Summary of How to Achieve Retirement Success

In summary, there are several things to take into account when preparing for retirement.

1. Take advantage of your most valuable asset, TIME! The earlier you get started the sooner compounding can help you.
2. Starting with a relatively more aggressive allocation in younger years and then gradually becoming more conservative as you get closer to retirement is an advisable strategy.
3. Eliminate debt as early as possible.
4. Create a systematic strategy towards eliminating debt and savings.
5. Pay yourself first.
6. Educate yourself.
7. Be flexible
8. Make decisions based a long term strategy.
9. Consistent returns are better than extreme highs and lows

You should always seek the advice of a financial professional prior to making changes in your financial plan. The examples contained in the above article may or may not match your personal situation.

Disclosure

Resources:

EHow

Investopedia

How is Your Financial Health

Passive ways literally mean you do not have to deal with any hassle, and money will keep coming to you while you sit up or are engaged in any side venture. All that a passive investment demands from you is right strategy in the right direction.

If you look around, you will find there are many investors who have become a full time passive real estate entrepreneur. Let me share with you some the basics of making passive real estate investments. Stick to these basics and you can also add your name among the successful passive real estate investors.

Investing In Limited Partnership
It is one of the best and safest ways to earn massive passive income. The biggest advantage of investing in limited partnership is that your liability will be limited up to the amount of your investment only. A limited partnership requires you to invest only a partial amount for the property, and you are liable for up to that amount only.

However, you can still enjoy the benefits from the appreciation and the tax deductions for the total value of the property. What is more, if you put in a little more effort you can easily make much larger passive income.

For example, if you have the time and ability, it is always prudent to do a project side by side. These projects may include buying, building or rehabilitating the rental houses. If your major concern is capital, you need not worry because limited partnership gives you an opportunity to use others people money.

This involves no risk at all because as I said you are liable to only that much amount that you have partially invested in the very beginning. But, in spite of the limited liability, you have unlimited scope to have a large share in the profits. What is more, such limited partnership has an edge over normal corporations because your profits are taxed just once.

Investing In Commercial Triple-Net Lease Property
When it comes to making passive real estate investments, investing in commercial triple-net lease property can be an excellent ripe for profit for you. Investing in commercial triple-net lease property is quite different from owning duplexes, apartments, land, or an office building.

It does not involve any headache because the triple-net long-term lease agreement works in such a way that your tenants perform all the functions for you. Whether it is collecting the rents, refurbishing the premises, paying the property taxes, insurance premiums, maintenance, accounting, legal, and other operating expenses your tenants do everything on behalf of you. In fact, investing in commercial triple-net lease property carries tremendous profit potentiality, and at the same time, you can enjoy some great advantages.

Investing in commercial triple-net lease property does not involve any risk. If at all, there are any risks, they are very nominal.
It does not require you to deal with the management hassles.
The lease payments can earn you significant monthly income.

What is more, unlike other renters, your tenants do not abuse the property. Rather, they do everything to make the location well maintained and attractive to customers. What more can you hope for?

Thus, if you are not getting desired success in active real estate investments, it is worth giving the passive ways of earning massive income a try.

James Klobasa
http://www.articlesbase.com/investing-articles/passive-real-estate-investments-a-step-towards-a-wealthy-and-risk-free-real-estate-career-97296.html

The past several years have been very profitable for many real estate investors. But the market is changing and it may be time for many investors to be on the lookout for a new strategy. For those who own rentals, the trend was to buy a rental property, see it appreciate, and buy another rental property using a 1031 tax-deferred exchange to eliminate current capital gains taxes on the profits.

However, there simply aren’t as many solid investment properties available in today’s real estate market. The sharp increase in real estate prices hasn’t remained in balance with rental income. If you’re thinking about selling your investment properties now, you probably are concerned about the large tax bill you’ll face.

Low net rent income, demanding tenants, and a large amount of equity at risk have caused almost all real estate owners to consider selling their real estate. But there are countless investors who feel they are “stuck” with property right now that they’d rather sell. Many are hesitant to reinvest in a new 1031 exchange property because of low rental rates, but are unwilling to cash out on the property out of fear of paying hefty capital gains taxes. The good news is that for many owners and investors, the Private Annuity Trust offers a way to defer paying capital gains taxes, create a lifetime income and protect your assets as well.

With the Private Annuity Trust, real estate investors have a safe and legal way to exit from the labor of property management, the aggravation of dealing with tenants, and the anxiety of wondering how property values will fare in the current real estate market. With the Trust, there’s no pressure to reinvest right away to avoid paying capital gains. Instead investors can avoid making hasty decisions, feel out the market, and decide whether or not they even want to stay in real estate.

How the Private Annuity Trust defers capital gains taxes
Before the sale of the property is final, the property is transferred into the Private Annuity Trust. When the property is ultimately sold, the Trust can begin providing a lifetime stream of income, with taxes deferred over the seller’s lifetime. The Trust assets are protected from creditors and lawsuits, and the assets in the Trust can eventually pass to the seller’s beneficiaries without worry about the current 46% estate tax rate.

Many investors are concerned that due to significant property appreciation over the last several years, they are now too heavily invested in real estate. They just want to sell some of their assets and place their money into a more diversified, completely protected, lower maintenance investment vehicle with predictable cash flow. At the same time, they don’t want to fork over up to 30% of their investment profits in the form of capital gains tax payments if they don’t find a suitable investment in time.

The current Internal Revenue codes and strategic implementation of Private Annuity Trusts make avoiding this predicament a reality. Payments from the trust don’t need to begin right away-not until age 70 ½. If no money is paid from the trust, taxes are further deferred until the payments actually are received. The money can sit and accumulate interest until the seller needs the income.

If you began investing in real estate because of the freedom to earn on your own terms, you may be wondering why you now feel stymied by tax codes, volatile markets, and aggravating property management responsibilities. Perhaps its time to take back the control you deserve over your real estate investment career and begin investing on your own terms. If you’re ready to take back the reins on your investment vision, talk to a professional today to explore how Private Annuity Trusts may benefit your particular situation.

Christine Harrell
http://www.articlesbase.com/investing-articles/how-to-regain-control-of-your-real-estate-investment-choices-while-avoiding-capital-gains-59888.html

If I wanna ask an insurance company about their risk management and how they manage the risks what questions do I have to ask’em?
I study insurance management and I have to talk to an insurance company to find out about their risk management but I don’t know what questions I should ask!!! Can you help me plz?!!!

You’d do a lot better researching the general principles of risk management strategy before asking individual insurers (it’s a huge subject)

You can read up on various principles through the IAIS which is pretty much the lead organisation in the world for setting requirements for insurers.

http://www.iaisweb.org/index.cfm?pageID=2

Also ..a personal tip …. although obviously rules are different from jurisdiction to jurisdiction, some of the most comprehensive and yet concise I’ve seen are the Australian ones (they are very hot on risk management in Aus).

You can read the guidance notes here….

http://www.apra.gov.au/General/General-Insurance-PPGs.cfm

That way you can target your questions and get a much better response

Why? And? So? Yes.

From an investment point of view, owning a Mobile Home Park is one of the most appealing aspects to investors. It is one of the most profitable niches in the real estate sale investment. It is seen that most of the real state investors are stepping all over each other trying to buy and sell single-family stick built houses and properties sale. But at the same time there is a small group of investors that are quietly making excellent profits with little risk in the mobile home and mobile home park business.

Many experienced commercial real estate investors are turning to mobile home parks for strong returns on their investment. Due to its high CAP rates and stability with lower sale prices. They have opened the door for many investors. Great opportunities are available for Colorado Mobile Home Parks for sale which includes park amenities like spacious clubhouse and laundry facility.

California is one of the original destinations for mobile homes. Choosing California Mobile Home Parks for sale as investment can increase the value of a rental property for various reasons:

• It is a land play with incredible cash flow

• It requires a minimum of maintenance and management

• There is a significant barrier to entry

• Provides an opportunity for creating additional profit centers.

Mobile Home Parks are believed to be the “step-children” of the real estate investing community. The reason why most investors ignore this lucrative asset class is because according to them it requires too much up front cash and a personal income statement and this is true only if you are trying to finance your property from a large bank. On the contrary many area parks are purchased with much less than 20% down and with little financial reserves in the bank.

Mobile Home Parks for sale in Texas is a world away from the cares of city life. It’s a beautiful thing to invest in Mobile Home Parks. Being a long term play, there are various ways to make money through many “profit centers“ in your park. The parks are usually in less than favorable parts of town as a result the land is cheap. This will help you to spread the cost over numerous mobile parks. You can purchase mobile homes at a 40%-50% discount and resell them on terms (either with a lease option or note). Moreover even a smaller park can produce a healthy return without a great deal of capital.

Minimum maintenance and management also makes this an appealing investment. Little maintenance is required by leasing the land to residents. All you have to do is to ensure that the infrastructure is in a good condition and the utilities are working properly. Once the Mobile Home Parks are stabilized, you can hire a care-taker to collect the rent and enforce the park’s rules.

Now it might be possible for you to see how Mobile Home Parks for sale by owners are an amazing real estate investment. No where you can get an income property with so many profit centers (with the exception of self storage). Mobile home parks for sale are huge cash cows and ultimately will become a land play. So before it is discovered by the masses, you must take advantage of the untapped opportunity that exists today in the mobile home park industry.

Maurice
http://www.articlesbase.com/business-articles/mobile-homes-parks-for-sale-and-rent-an-excellent-and-attractive-real-estate-investment-98288.html

Profit, this is the key to winning the game in the entrepreneurial world. This is also the same key to being successful. Without profits, the business efforts would be rendered futile and meaningless.

Just look at the business endeavors. People invest their time, money and effort to make a company or organization function and run. At the same time, the investments provided must, after some time, give returns to the investor.

Of course, a prudent investor is not just all about having some returns. The goal should be to get high returns or high yields in the investments. In this light, investors should at least double the amount of their money after some period. Thus, if the performance is good enough, the profits can be really high.

As such, there are people who venture into the high yield investment programs. Such programs are known for having high risks. At the same time, the expected profits can also be very high. Just what most of them would say, take the risk to take the reward.

This high yield investment programs have become more known recently because of the online businesses. Today, however, there are many people who are playing this game. Thus, if everybody wants to win, everybody also must be doing everything to do so.

How to Select the Right High Yield Investment

Given the scenario above, it becomes imperative now for a prudent investor to know the ways of getting high yield investments.

The investor must know the right choices to make in the field. He or she must manage the investments well. It is just a matter of knowing the factors that shall affect the investment and make it grow for more profits.

Here are some ways to know how to select the right high yield investment –

1. Research

Before ever venturing into this field, make sure that your entry point, either a company or another investor, make sure that it is reliable and trustworthy.

There are many scams that have fooled people into making them believe that they will make profits with the company. They convince their victims to invest right away their money. In the end, people give up money without getting anything in return because they invested on a non-existing entity.

Big amounts of money are involved in investments. Thus, do not let go of the money easily. Do a research first on a particular program or company. Know the history and performance and then decide.

2. Performance

Study how the investment performs in a particular period. Ideally, this should cover three to five years.

During this time, see how the management or company performs. There are instances when strong trends characterize the market. This is just like good luck, thus, high performance is to be expected.

The more crucial point to look at is how the management will work on other market conditions, especially when the trend in the trade is not that strong.

It is also a good thing to investigate the previous accounts held by a management being considered. Oftentimes, they put their best foot forward when presenting themselves. It is best to see their overall performance as against the good ones only.

3. Conflict of Interest

As much as possible, choose a management who does not get commission for their dealings. This is to avoid a conflict of interest. One cannot expect a manager to work for the interest of their clients if they get commissions too from the other end of the deal.

4. Way of Trading

See how the assets and funds are being traded. Learn about the methods being used. In aiming for high yield investments, this is a crucial aspect. A particular approach can help ensure that you will be able to get the returns, especially in the long term.

5. Drawdown and Profit

It is also good to look at the drawdown and profits of a particular investment. See how it performs in this aspect as the two may balance or offset each other.

For example a profit of 70% definitely sounds good. Of course, if it comes with a 65% drawdown, it would not sound good at all. Compare this to a profit of 35% with a drawdown of only 10%. The latter example is definitely the better deal.

Conclusion

Knowing how to select the right high yield investment as given by the points above can definitely help you in your endeavors. These can definitely increase the likelihood of getting big profits and being a success.

John Morris
http://www.articlesbase.com/investing-articles/how-to-select-the-right-high-yield-investment-64913.html

Intellectual asset management is a structured and disciplined approach for turning ideas and knowledge into intellectual property and revenues.

Implementing an intellectual asset management program requires a process driven approach. A process is “a sequence of activities that take an input and produce an output. In business, a process is supposed to add value to the input before producing the output.” Each step of an intellectual asset management process informs and directs the other, leading to greater efficiency with existing efforts.

Intellectual asset management program provides productive synchronicity between innovation management, patent management, intellectual property licensing and IP enforcement, thereby attaining efficiencies in many inter-connected business processes.

Leading companies in almost every industry have acknowledged the need for an effective intellectual asset management program. Companies such as IBM, Texas Instruments, Du Pont, Dow Chemical, Hewlett-Packard, Xerox, Eastman Chemical, Rockwell, Mark and Cadbury Schwepps, among others, have achieved significant profit increases from their intellectual asset management program. Billions of dollars in revenues have been generated from intellectual assets that are identified, managed and licensed through corporate IAM programs. In this paper, we briefly analyze how your organization can gain the same benefits than several leading companies have achieved.

Implementing successful intellectual asset management (IAM) processes requires five fundamental pieces within an organization: an intellectual asset management strategy, a dedicated team, well defined processes, infrastructure and systems, and metrics for continuous improvement.

Intellectual Asset Management Strategy

Developing an intellectual asset management strategy starts with alignment with corporate strategy. It includes evaluating R&D and engineering practices to accelerate time to market and enhance the effectiveness of intellectual asset investment decisions. You should consider assessing and implementing organization structures and work processes that support intellectual asset management strategy. Successful intellectual asset management strategy is much more than a process for patenting and licensing inventions. It takes into account all types of intellectual assets.

These assets include valuable information and trade secrets as well as patentable inventions. For most companies, patents are just the tip of the iceberg. The bulk of intellectual assets are proprietary information, ideas and trade secrets. Your strategy should also include developing and implementing intellectual asset portfolio monitoring and enforcement programs to better protect current products and future development efforts.

A Dedicated Team

To successfully implement the intellectual asset management strategy, you need the support of a dedicated team. With the role of IP legal changing from support to strategic, the team should be comprised of members with complementary skill sets, including engineering, R&D, IP legal and outside law firms. Acceptance from inventor community is critical for the program to work. Clear communication, simplicity and adaptability to their culture goes a long way into setting the right course for long term success.

Well Defined Processes

Effective intellectual asset management is a process and not an event. Process optimization has the biggest short and long term impact on your business. Both you and your extended team achieve significant efficiency improvements. You should work towards mapping each step in your process and automate each administrative task. This approach will reduce cost and significantly decrease the time dedicated to patent management. You should start with setting structure to the innovation management process. By streamlining invention disclosure submission, review and approval process, you can maximize the use of technology skills available throughout the organization and hence improve the

effectiveness of your team in processing new ideas faster. Next, If patents are significant part of your IP portfolio, you should focus on automating patent management process. Whether you use law firms to do most of your patent prosecution or you use a hybrid model, you should map out each task in the process and analyze how it can be delivered with least resources and maximum impact. Similar to patents, you can structure processes for managing trademarks, assertions and enforcement programs, budget and invoicing management.

Infrastructure and Systems

Historically not the first corporate function to receive limited and expensive IT resources, corporate legal departments have operated with a hodge-podge of limited IT automation, piecemeal point solution applications to address a limited set of legal department functions. Such applications were typically created for external law firms, expert at optimizing for billable hours, rather than enabling the corporate legal, and geographically distributed service providers, employee contributors and stakeholders to operate as one for competitive advantage. More recently, while corporations intranet and document management systems have improved the legal departments’ document access, no where – until

Lecorpio – has there been a completely automated, modern and integrated suite of applications designed to optimize not only each legal function’s processes but also enable an extended enterprise, end-to-end collaboration and visibility of intellectual assets and legal processes.

Unlike all current legal application “point solutions” that limit their clients’ operations to how the vendor defines how to run their business with rigidly defined business application logic programmed directly into the product, Lecorpio uniquely provides both the benefits of standalone, turnkey applications for each corporate legal function, but also empowers corporate legal departments to select and choose how they choose to do business and also easily extend their application logic and workflows and do so without expensive, rare and labor intensive traditional computer programming skills. It is designed to work the way you do, work the way your business does, and work the way technology should.

Metrics for continuous improvement

A picture is worth a thousand words. You should make use of an advanced set of visualization tools that provides an easily understood visual essence of every import metric for your legal department. Spot trends, find anomalies, identify strengths and weaknesses by leveraging your legal assets data. The metrics should be designed to help your team understand what’s happening from both 50,000 feet and 5 feet level. By conducting historical and comparative trend analyses to gain insight into emerging opportunities and critical issues, you gain a competitive advantage over your competition.

Transform Operations and Maximize effectiveness with Lecorpio

Lecorpio, the leading provider of Legal Resource Management (LRM) solutions, empowers the world’s leading corporate legal departments, internal corporate constituents and law firms to do more with less with an integrated and collaborative suite of software solutions to automate, manage and optimize all legal functions and processes, individually or “end to end” across the extended enterprise.

Lecorpio Legal Resource Management includes applications for innovation management, patent management, trademark management, IP assertions and enforcement management, licensing compliance management, spend management, contract management, open source management and entity management.

* Lecorpio innovation management provides form, discipline and structure to the invention disclosure process. Innovation Management enables inventors to be actively involved in a dialogue with the legal department and gain insight into how their submissions are moving through the process. This provides organizations gain broader access to ideas and process them for better results. Innovation management provides right information in the right people’s hands at the right time. Each participant in the process is notified when they are needed to perform a task, and alarms are triggered if delays occur. The “top-down” view of the entire process improves strategic planning of solicitations and development of new technology and intellectual property.

* Lecorpio patent management provides for the implementation of measures to ensure that a patent department identifies the right law firm/resources, adequately protects, and controls intellectual property portfolio and budgets. Patent case information is organized into electronic tri-folders analogous to the current paper file folders. All participants in the process, including inventors, in-house counsels, law firm attorneys, administrators, docketing clerks, annuity payment service providers and others, are linked to this database and given

selective access to information relevant to their role in the process. Access privileges are controlled so that each participant sees only what is necessary to carry out their responsibilities. Docketing management is fully integrated with case files, docketing is automatically associated with cases, and the user can instantly link from docket to the case file, or from case file to docket.

* Lecorpio trademark management helps your team collaborate with corporate marketing, product development team members and others throughout the company regarding trademark issues and respond promptly to new trademark search requests. You can manage outside counsels more

efficiently and keep track of budgets, estimates and invoices for each search, filing and registration activity performed by outside counsels.

With Lecorpio trademark management, you can create, manage and analyze your portfolios and cluster them by technology areas, product groups and other business factors. Also, using trademark enforcement management, you can track disputes.

* Lecorpio IP assertion and enforcement management is a robust monitoring system for implementing an effective enforcement program. You can track disputes; create third party profiles, manage incoming/outgoing engagements, manage budget, assess risks and keep track of critical tasks and activities.

* Lecorpio licensing management streamlines the process of creating, managing, implementing, and tracking licensing agreements to optimize revenue, mitigate risk, and improve compliance. With Lecorpio licensing management, you can systematically track and manage your licensing and business agreements, diligently fulfill your contractual responsibilities and track the obligations of your business partners. You can manage various types of agreements such as patent, other IP or software license agreements (both inbound and outbound) and graphically analyze on terms, commitments, and obligations articulated in various agreements.

For more information about Lecorpio and the Lecorpio Legal Resource Management suite of applications, please visit http://www.lecorpio.com or call at 1-408-850-7260

Chris Jones
http://www.articlesbase.com/intellectual-property-articles/implementing-intellectual-asset-management-program-for-the-enterprise-125179.html

Numerous ponzi schemes and scams have come to light in the past several months. This is a trend that is a result of the crash in the economy. Prior to that, it was easier for these criminals to hide behind the inflated returns that the market provided. Here are some types that will help you avoid these predators:
1. If it sounds too good to be true then it is. The market can’t maintain a return of 10% +. This is not possible. When you see individuals show illustrations that show returns of 10% – 12% this is not realistic. They are allowed by law to show up to 12% but don’t think this is something that can be maintained over a period of time.
2. Avoid investments that show small amounts turning into large amounts within a short period of time. Pyramid schemes are an example of this type of scam. These are different from legitimate multi level marketing firms.
3. Avoid the stock du jour. Many firms will push the “hot stock”. This is a common technique that is used to perpetrate the “pump and dump” technique. The firm or individual will purchase a large number of shares in a very low priced stock. They will then create interest by recommending the stock to clients. This causes the stock to rise and they sell the stock on the way up. The clients are left holding the bag. Avoid the short term strategy. Look at the financials of the company and the long term potential. Work with a firm that advises a buy and hold strategy.
4. Stay away from offshore investments. Regulation S investments are a type of investment that opens itself up to fraud. When investments involve overseas or foreign companies take special care.