Many individuals in some countries choose to reap the financial benefits of emerging or strong economies by investing offshore. This means that a person can live in the United States or Canada and invest in stock over in India or in China. Some individuals may even choose to invest in real estate that is available [...]
So what does one do in a volatile market like we have seen lately? Absolutely nothing. After buying shares of a new company each day last week, I am sitting around doing nothing. I am spending my time re-reading the
contrarian investing bible and reading the usual blogs and websites.
A particular Warren Buffett quote [...]
If you are doubt with your investment in Life Insurance Policy, Then you should watch below NBC News - Investing In Life Insurance.All the benefit of client clearly define by the expect. Let's start your investment in Life Insurance because it's worth for your to do so....Tags :Life Insurance
Welcome to the July 21, 2008 edition of the Simply Investing Blog Carnival. There were many great submissions. I enjoyed reading them all. Barb A. Ryan presents Asset Allocation, Investment Asset Tax Location, and Emergency Cash Management posted at Pasadena Financial Planner."This article discusses personal investment portfolio asset allocation and some considerations about where to h
Investing in China: The Emerging Venture Capital Industry (Global Market Briefings)投资在中国Author:Jonsson Yinya LiFormat:PDF 4.3MBPublisher: GMB Publishing Number Of Pages: 361 Publication Date: 2005-06-01 ISBN-10 / ASIN: 1905050135 ISBN-13 / EAN: 9781905050130 Investing in China: The Emerging Venture Capital Industry is a unique and invaluable guide to venture capital in China. T
Irivne is a very intriguing real estate market. Filled with qualified commercial real estate agents, highly-sought after as a safe place to save a family, and recently suffered from a severe flush from the mortgage industry in the area.
It means high vacancies, which won’t last long. Now is a great time [...]
The 5 Keys to Value Investing价值投资五大关键Author:J. Dennis Jean-JacquesFormat:PDF 1.3MBPublisher: McGraw-Hill Number Of Pages: 208 Publication Date: 2002-10-14 ISBN-10 / ASIN: 0071402314 ISBN-13 / EAN: 9780071402316 The investing style that made Warren Buffett the world's wealthiest investor!Strategies for Identifying Today's Best-Run Corporations--Then Buying Them for Pennies
As Chinese state-owned funds step up their global investment initiatives, they may very well face a xenophobic backlash in the U.S. and elsewhere. Americans are already apprehensive about Chinese ownership of so much national debt – and the idea of increased Chinese ownership of American assets could compound that anxiety if the proper inroads are [...]
This is a review of Investing for Dummies by Eric Tyson. I have the 2nd edition copy dated 1999. They are now on the 4th edition and a 5th edition is due out soon.When I reviewed Small Business for Dummies I commented that I like the Dummies series. Reading a Dummies book doesn't mean you're literally a dummy but its just a conscious admission that you have more to learn on a topic.Investing
I am asked this question regularly and have the answer: Both! Each has its' advantages and disadvantages such as:
Multi-Family Stratgies:Upsides:
Income leveraging (when you lose a tenant, there is still cash income from other units to pay the bills)
Better risk management
Often marketed with a quoted Cap Rate (used to gauge the profitability of the investment - always check and verify!)
Downsid
It is not recommended to invest in an IPO blindly, no matter how tempting or lucrative the deal looks.Here are some of the questions you can consider before investing in an IPO:• What is the core business of the company?• How is the industry performing?• What are the growth prospects of the company and its expansion or diversification plans?• Where will the company invest h mon
The Intelligent Investor: The Definitive Book on Value Investing. A Book of Practical Counsel (Revised Edition)本杰明·格雷厄姆: 做个智慧投资人 Author: Benjamin Graham, Jason ZweigFormat:PDF 1.5MBPublisher: HarperBusiness Essentials Number Of Pages: 640 Publication Date: 2003-07-01 ISBN-10 / ASIN: 0060555661 ISBN-13 / EAN: 9780060555665 More than one million hardcovers sold
Suppose 20 years ago, in the middle of the Savings and Loan Crisis, you decided to invest in a basket of dividend paying companies to hold for the long term. Not wanting to do too much research but still interested in buying quality companies, you decided to invest in those Dow Jones Industrial Average components that paid dividends at the time. You cashed the dividend checks, but left your portfo
I’m sure the numero uno question in the minds of Indian investors at the moment is “Is this the right time to start Investing in the Stock Market”? It’s important that investors understand the fact that its impossible to predict tops and bottoms of stock markets. Investors looking to invest at market bottoms will always [...]
Is penny stock investing can be likened to crops that have a particular season for agriculture? Does the world of penny stocks have the potential to stop for a certain period and then back to work again?
No, it’s not like that. Penny stock investing is like crops to reap profits after harvesting, [...]
Traditionally the study of economics and finance is based on the assumption that people always behave rationally. In reality people often behave irrationally, ie not in their own quantifiably best interests. Behavioral finance, the combination of psychology and financial theory, is now a growing academic discipline. This article reviews some of its key features and [...]
Short sale investing is the form of real estate investing. Short sales can bring a lot of profits for investors as the prices can vary a lot as compared to the present value of the properties. Investing can be made in two types of short sales offers. In one of the type, you will have [...]
Friday, as U.S. indexes crashed, MCB Bank ADR was trading at $9.07 a share. (Prices reported on Bigcharts.com typically reflect the closing price of the last trading day.) That's a 10% gain in less than a week!
There is only one word in the investment world to show the power of success. Warren Buffett!. His passion, learnings as a student to value investment legend Benjamin Graham and self developed fail proof investing principles enabled him to reach in the maximum height of success. Today he knew as the most successful value investor as well as second richest person in the world. His principles and adv
As defined by Wikipedia, a short sale is when a bank or mortgage lender agrees to discount a loan balance due to an economic hardship on the part of the mortgagor. The home owner/debtor sells the mortgaged property for less than the outstanding balance of the loan, and turns over the proceeds of the sale [...]
Are you ready to begin investing money? This is a very important step in being financially responsible. If you regularly invest a portion of your income, you will eventually become financially independent. The earlier you begin the better off you will be. You may be afraid to invest because you do not understand the market [...]
As people are facing fair price rise in every day commodities, the need to save money is now more important for all. After saving money, next step is to invest it for future needs. Dealing with personal finances has become a challenge for all. We need more guidance and advice for our money matters."Fiscal Zen" is a blog which guides us about investing, personal finance and smart spending. Fiscal Z
Index investing is being touted as a kind of silver bullet. You can’t go wrong with indices, they say. Indices have historically produced superior results. ETFs beget a new era of investing. Here’s how to turn $1000 into $1,000,000 through the magic of compound interest. It works because it can be imagined. You guys are [...]
Car manufacturers are moving one after the other to investment for building their production facilities in India. The main objective of doing so is the low-cost of production and availability of engineering skills.General Motors is planning to invest nearly an amount of Rs 1200 crore to set up the power train producing facility at the Talegaon plant, near Pune.The power train producing facility is
This is an explanation of why I've decided to end the ethical investing blog carnival.There were plenty of submissions, but almost all were completely irrelevant. Here were the guidelines:"Submit your articles on ethical investing. Topics could include, but aren't limited to, discussions of environmentally friendly, people friendly, animal friendly investments; what makes an investment 'ethical,'
Welcome to the final edition of Slackerwealth's Ethical Investing Carnival.There were 24 submissions this time around. Here is the one that made the cut.Dorian Wales presents Free Market Proponents Call for Regulation on Speculative Oil Futures Trading: Define Irony posted at The Personal Financier, saying, "Analysts say speculative oil trading is to blame for gas prices at $4 a gallon. Congress c
If I were invested in a mutual fund, I would feel comfortable knowing that the fund manager had a stake in it. MarketWatch’s Chuck Jaffe discovered that this isn’t the case on many occasions. He wrote Monday:
Alas, all too often it’s not and the fund managers don’t have enough belief in what they are doing [...]
Warren Buffett always talks about investing being a no called strikes game. In other words, one does not have to invest in every investing opportunity presented. We sit and wait for that “fat pitch.”
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In a recent interview on the Fox Business Channel, Warre
Driving through Cancun’s Hotel Zone these days, you’d never know that this part of Mexico had been struck by Hurricane Wilma only a couple of years ago. All branches of government, along with the private sector, have not only erased the signs of damage, but have taken advantage and have renovated both the Hotel Zone [...]
Man it was hard getting up this morning! I think i overdosed on hazelnutt coffee yesterday while sitting in 9-hour beach traffic...which is sad, considering i'm sipping on MORE as we speak ;) Addicted much? haha...At any rate, I came across a link for the Motley Fool in my inbox the other day, and think you might enjoy it. It's one of those "million dollar calculation" type articles, which are alw
Choosing a Real Estate Investing Course
Choosing the right real estate investing course will ensure that you get the most knowledge and insight before you begin investing. There are many ways you can invest in real estate and many different real estate investing courses that will give you specialized information about the type of investing you [...]
YIPs are quite a challenging investment and if you truly desire to profit it from them you must be able to weed out the bad programs and only invest in the select few that have the best chance for success. Through my years of experience investing in HYIPs myself, I bring to you the following 5 tips that I ALWAYS look for before investing: 1. Advertising - This is one of the most important factors.
Kathryn Cooper The Sunday Times - July 6, 2008 Original URL One of the most popular stocks this year with private investors, alongside big boys such as Halifax Bank of Scotland and Barclays, has been a minnow called Tanfield. The electric vehicle manufacturer, listed on the Alternative Investment Market (Aim), has regularly appeared in the top ten buys at stockbroker TD Waterhouse over the
We all learn from our mistakes, and unfortunately when it comes to personal finance and investing, those mistakes can be costly. While I continue to learn something new everyday, and like to believe I am perpetually becoming a better investor, there are many things I wish I had known sooner.With experience comes smarter investing, but that doesn’t mean you have to always learn the hard way. Here
Many people assume that making money by investing in real estate is one of the easiest forms of investment there is. This is partly true. It is possible to make a reasonable profit with a modest budget and plenty of blood, sweat and tears! It’s possible to buy a property, renovate it and sell it for a nice big profit. Just because this is easier than other investments it doesn’t mean that it
It's July and no building work has started by Modus, the company currently in the driving seat regarding the redevelopment of Crewe town centre. As you might have seen in recent days a number of factors are now starting to cloud the issue. The fast-deteriorating bus station is a problem that won't help the Modus cash-flow, and now the rumours about a town centre rail stop or tram confuse matters f
The Dow Jones Industrial Average is already in the bear’s grasp. And the U.S. economy may well be headed for a recession. But here’s the ultimate irony: Bear-market investing offers a direct pathway to the biggest profit opportunities most investors will ever see.History shows time and again that the worst returns come to those who buy at - or even near - market peaks, like those of 1928, 1969
Have you heard of a real estate investment that really makes a double income from foreclosed properties? Have you wondered if you can get that house in that prime lot and cost almost half the regular price you got it? Or buying some suburban villa at the price you surely could reach?
Get your questions about current real estate investing issues answered. Learn more about how to truly integrate online marketing into you REI business to multiply your profits. Mentor Charles Dudley shares his secrets.
How to get leades? How to use internet in getting buyers? How to use internet to spread your real estate market? Real estate marketing on Internet.
Submit your business to free rea
Yesterday, I noticed Lubar & Co. of Milwaukee, Wisconsin visited my blog via my "linkedin" profile. As Lubar & Co. invest in engineering, drilling , energy exploration and industrial manufacturing... it does make sense that they would find me. However, no follow up email, call or correspondence? Strange. Regardless of their interest in me, Lubar & Co. and every nearly ev
Welcome to the July 1, 2008 edition of Investing carnival #1. Please help us bring traffic to the carnival by stumbling it and linking to it. More traffic to the carnival equals more traffic for your submissions.The Weekly Investing Carnival is supported by the members of The Div-Net network. We welcome articles related to Value Investing, Dividend Investing and Long Term Investing. Your Investing
Through my own course of learning to invest over the years, I have found that there are many very different philosophies and strategies that experts use to select stocks to achieve above average returns.Today, I use a whole range of different investment strategies myself, depending on whether I am looking for a quick intra-day gain or a longer-term return over a year.In all, I will share with you
Lakshmi Energy & Foods is set to maintain its growth momentum in future.The stock is attractive for long-term investors THOUGH THE market is in a bear phase, some stocks have outperformed the Sensex. Lakshmi Energy And Foods (LEAF) is one such scrip that has appreciated 34% over the past three months. The company is in a highgrowth phase and is likely to maintain its momentum in future, thank
Real estate investing is a vast subject. There are as many real experts as there are self-proclaimed experts. A formal comprehensive discussion of real estate investing will not be attempted here. Not now, at least. Real estate investing is not for the faint of heart. It takes dedicated and planned action. Compared to investing in stock, real estate investing is much more difficult to begin becaus
Real estate has been a driving force in world economies since the days of Babylon, one of the most fantastic developments the world has ever known, and the desire to create, not destroy, is alive and well. To enter the realm of real estate development requires vision, direction, and risk acceptance, but a knowledgeable investor will take calculated risks that are in line with his or her overall in
There is a long held view that by taking a contrarian view to investing, investors can profit. In essence this is what the professionals do as they buy shares in good companies when no one wants them and then they sell them when the market has peaked. Historically the amateur investor does the opposite and in so doing reduces the ability of their portfolio to generate good returns.In the current m
It is with great pleasure that I announce the debut of The Dividend Investing and Value Network (DIV-Net).Dividend Growth Investor is proud to be a founding member of this new investing network. DIV-Net is a network of investors focused on dividend investing, value investing and a long-term buy and hold philosophy.We want The DIV-Net site to be a destination. Unlike most networks, The DIV-Net site
I don’t have a whole lot of time today to share with you all that is happening (I have a couple of real estate appointments setup for later today), but I wanted to give you a quick update. I was able to successfully remove a slow/non-paying tenant out of one of my investment properties. A [...]
No body can argue that we are definitely in a unique financial market. Look at yesterday's stocks. Down 358 points and oil overnight has gone above $141. Gold is above $900 per ounce, and consumers are paying $4+ at the pump. It leaves many investors wondering...what should I do? Here are some suggestions.1) Investor more $'s. Invest more you say? Why? With our markets making volitale moves and la
The US Federal Reserve has kept the benchmark federal funds rate unchanged at 2 percent. Holding interest rates steady, the FOMC (Federal Open Market Committee)focused more on the growing risk of inflation. The FOMC statement said – “Although downside risks to growth remain, they appear to have diminished somewhat, and the upside risks to [...]
This is the first in a series of posts about noted investing masters and the strategies that made them so successful.I begin with William O'Neil, one of the quintessential growth investors. He is probably best known for his newspaper, the Investor's Business Daily. The publication is a treasure trove for growth investors. It has very short news summaries, lots of charts and even more stock statist
People like the look of gold, and they'll do what they can to get it. Even though it costs more now, people still want it. If you're interested in investing in gold, do some research before you shell out the money for it.Here's some things you should know before you take that big, financial leap:In addition to gold coins, there are different ways that you can you can invest.You can use metals, mut
With a booming oil industry surrounding us, many people may be seeing the money thrown around and asking themselves, “How can I make money off oil?”.
Well, there’s more than a few ways to make money off the oil industry. One easy way, get a job in the oil industry. There are plenty of companies in [...]
Mutual funds are an interesting investment strategy. Here is a pool of money that is supplied by the investors which is then invested in a variety of stocks, bonds, and other money markets. Check out how to profit by investing in mutual funds.
Continue reading
If you were offered an option to put in your savings into something that would accumulate 15-30% annually probably you would ask, “How could we do that? The ready answer would be “We are investing in real estate”. The current property market is showing a steady rise of 15% annually, or three times the prevailing [...]
With e-commerce growth rates predicted to decline, online businesses wishing to outperform competition and gain market share, are increasingly required to invest in order to differentiate themselves, deploy richer and innovative applications and deliver more personal, compelling and engaging online...
Want to get an MBA for $9? This is the book to get. Although not an easy read like other value investing books, Professor Greenwald and company provide an informative read that should have a place in every value investor’s library.
The fact that Bruce Greenwald is a professor at the Robert Heilbrunn Professorship of Finance [...]
Answer: They both are! It depends on many things:
Your specific real estate investment strategy.
Your current real estate market.
Your desire to be involved actively in the real estate investment and to what degree.
Your real estate and business partnerships.
And many, many more factors!
We work with real estate investors of all sorts. Each has his/her own goals and strategies in the real e
What is Forex? The FOREX (Foreign Exchange Market), is the international market, started in the 70’s where currencies are bought and sold.
What currency is traded in the Forex market?
The item traded by Forex traders and investors are currency pairs. A currency pair is the exchange rate of one currency over another. The most popular currency [...]
Index investing through mutual funds has for a long time been criticized for its high costs such as brokerage expenses, management fees and load structures. The advent of the ETF or Exchange Traded Fund has brought about a change in this scenario.An exchange traded fund is similar to a mutual fund, the only difference being that it is traded like common stock. It is actively traded on an exchange
Book Description
ISBN-0793161290
Property ownership can create a comfortable retirement income.
Stock market volatility is causing people to examine different investment options, and real estate is emerging as a leading choice. Learn how to create a fulfilling, predictable, and prosperous nest egg.
Secure Your Financial Future Investing in Real Estate, by two leading practitioners, Martin Stone an
Keeping score
How 10 investing themes for 2008 are performing, and what’s changed
By Jonathan Burton, MarketWatch
Last Update: 6/20/2008 5:17:00 PM
SAN FRANCISCO (MarketWatch) — Oil prices were below $100 a barrel and the Dow
Jones Industrial Average was above 13,000 last November when MarketWatch wrote
about 10 investments to consider for this year.
What a difference seven months, a c
Do you wonder how you can ever make your first million withoutquitting your fixed salaried job?Have saved up a tidy sum of money with no idea how to make it grow?Are you looking for ways to build an additional source of incomefrom home?If your answer is yes to any of the above questions, you will beamazed at what the world of investing can do for you!Short-term investment strategies can provide yo
With the rise in home foreclosures, baby boomers retiring to smaller homes and others downsizing, the self storage owner is seeing an increase in business. There are many types properties an investor can make in real estate. An investor can buy personal property, multi family apartments, commercial and industrial buildings. But one of the least risky is the property to rent for personal storing sp
Students Investing MoneyInvesting money while in college many seem like an impossible venture. Most students are faced with formidable tuition costs and hefty student loans. The notion of actually saving money during your college years may be overwhelming but it is quite possible if you follow a few simple steps.First and foremost, college students have more resources than they think. Even if you
Friday, as U.S. indexes crashed, MCB Bank ADR was trading at $9.07 a share. (Prices reported on Bigcharts.com typically reflect the closing price of the last trading day.) That's a 10% gain in less than a week!
The act of providing money in the form of a loan or capital is known as finance and is something that everyone from governments to the private individual uses. The term can also refer to another branch of the subject dealing with its management. Depending on your viewpoint, it can also be used to [...]
Whether your business is in the online marketing arena or as a real estate professional…you need to GET in on the latest video marketing bandwagon. If not, you will miss the boat on FREE advertising and traffic to your website.
Did you know Ford Modeling agency started using YOUTube and it boosted their revenue by [...]
Today, multiple posts are required just to stay on top of the good news onslaught. Earlier this year, I put out a bunch of posts about the good work of the Responsible Property Investing Center and why it is so...
What it doesClaro Connect is a site that allows users to search for financial planning and investing advice. Claro Connect is a search engine that provides users with unbiased information when searching for assistance in and information on the financial industry. The site has a base of articles in the online library. A complete directory [...]
Do you want to enter the world of penny stocks without investigation on what you are going to deal with? Do you have the ability to lose all your money just because of you?
If we lose our money in penny stocks because of some factors beyond the will, then it’s good to [...]
Instead of posting the week’s top value investing news, this week I plan to switch it up a bit. I will be posting my favorite post of the week. This week, my favorite news had to be
Bruce Berkowitz on Consuelo Mack’s Wealthtrack.
Berkowitz is trimming his holdings in energy and is loading up on health [...]
In the looming global food shortage lays opportunity for the wise investor. Mike Burnick reveals some surprising places to look for big gains.
By Laura Cadden, TodayFinancialNews.com
Baltimore — (TFN): The following is taken from this week’s Smart Trading video featuring Mike Burnick.
Laura Cadden: The World Bank estimates that global food prices have increased by [...]
Please let your readers know about the special event at Value Investing News tomorrow at 10:00 AM. We will have a live Q&A session with Thomas Au, author of A Modern Approach to Graham & Dodd Investing
in the VIN Forum. See
-investing-news/interview-tom-au-friday-10-00-am-est4550
Please post a question for Tom at the end of the interview. Its a great opportunity to pick his brain.
Imagine if you had the foresight 7 years ago to invest heavily in Las Vegas, Phoenix, Miami and Honolulu, and to get out 2 years ago. Each of those markets appreciated over 100% in a 5 year period. Many savvy investors made enough money in those markets in just 5 years that they never have [...]
The record low prices in Florida real estate, along with the discounted value of the American dollar, make now the perfect time to purchase a Florida vacation homes. Whether you intend to use the property for yourself to enjoy the sands and activities of Florida, or sell for a profit when the market starts to [...]
Your financial objectives should drive your decision. As a general guideline you need to determine your long term financial goals first and then structure your investments to help you achieve your goals. If you are thinking about whether you should keep your current home and rent it out and then buy another in my opinion is putting the cart before the horse. Determine your goals first and then
A LOOK at Growth, Income, and Value Investing - Developing an investing philosophy may seem like an academic exercise, however over time, it will help shape your thinking about the types of stocks that work for your portfolio. This first of a two-part series looks at the three main investing philosophies:
1. Growth
2. Value
3. Income
Most investors fall into one or a combination of these in
I recently was approached by a person at the Enlightened Wealth Institute retreat who was ‘just getting’ started in real estate investing. He was very excited and as well anyone should be as now is an incredible time with the tsunami of foreclosures happening in real estate and the need for more ‘creative real estate [...]
Small business owners know that effective marketing requires investment. An effective marketing campaign utilizing social media outlets is no different than other marketing efforts in this regard and will require time (in both strategy and implementation) and likely financial investment as well.Most small businesses are also familiar with the popularity and success social media marketing can retur
Was reading this article – mutual fund NAVs take the plunge. The following caught my eye“The high erosion in the NAVs is the outcome of heavy concentration by mutual fund industry in sectors like banking, real estate, capital goods, engineering, cement and construction which were going great guns in 2007, but have eroded sharply this year. Most schemes had comfortably ignored sectors like phar
People make family, families make society, those societies make a whole city, cities make continent, and the group of continents make our world. Actually that means the small thing is going to be a large one.
In our life, we live on the ground and no one can stay at the sky. [...]
Is there a difference between investing money and saving money? There certainly is. You are being proactive with your money when you invest it. You are taking an active role in what happens with your money and are putting it to work for you to earn you more money.
On the other hand, when you save [...]
Nicaragua Investment
Investing in real estate in Nicaragua at this point is speculative. No one is getting rich and probably won’t for a while. Today Nicaragua is more of a lifestyle investment, or an educated long term speculation. I say educated, because there are two solid facts, Baby Boomers are getting older, richer, and are buying [...]
A person who decides to dispose a real estate property normally requires a buyer to pay in cash. Typically, the reasons for selling a property like a house are due to emergency needs, such as major surgery expenses at a time when health insurance coverage runs out. Other common cause is moving out or relocation. [...]
After all the recent real estate news, I have decided it is time to go into the sector.
Here is the thing. I lack the ability to properly value a builder (so do they it appears from recent results) and most of us investors do not have the access to some of the more esoteric products out there that can provide superior returns. When that happens, it is time to look at someone who does.
I am goin
The Complete Guide to Investing in Property# Author:Liz Hodgkinson # Format:PDF 1.4MB# Page Count: 336 pages# Publisher: Kogan Page; 3Rev Ed edition (April 2008)# Language: English# ISBN-10: 0749450045# ISBN-13: 978-0749450045This book is written in the belief that for the person who wants to attain financial security, and have some fun, excitement and flexibility in the process, property makes th
Learn more about investing in Phoenix multifamily buildingsThis weeks Arizona Apartment Investor articles.1. Change in lending guidelines for investors.Guidelines are changing for investors, limiting their ability to finance properties at favourable rates.2. How to get premium rents for old buildingsTake advantage of a trends for historic apartment buildings and possibly increase your
The customary weekly RoundupI’ve hosted the Festival of Stocks #91 this past week. I hope you enjoyed what fellow finance bloggers had to offer for that edition.The Carnival of Personal Finance #155 was hosted by Moolanomy. I’ve enjoyed these posts in particular:The Knowing-Doing Gap @ The Financial PhilosopherStop complaining about Gas Prices! @ The Red Stapler ChroniclesThree Rules Of Levera
Investing money in the right place which would give good returns is what everybody is looking for. For a beginner investing would look a little complicated. It would take some time to actually understand the different types of investments and the perfect one for you. It requires a little bit of experience also.
For a beginner [...]