Buying Foreclosures in the Pre-foreclosure Period - Ebele Kemery

Investing in foreclosed real estate can be profitable. Do you have to wait until the foreclosure auction to buy a residential foreclosure property? No. You can buy a property in pre-foreclosure. The time period between the foreclosure auction and the foreclosure notice is called pre-foreclosure. Purchases in pre-foreclosure are in most ways comparable to a common real estate transaction: You negotiate with the house owner, sign a purchase agreement (contract), and proceed with the deal. The big difference is that instead of the house owner choosing to sell the home on his own, he is forced into selling the property to avoid the foreclosure.

You may find a distressed homeowner in the first stage of foreclosure by looking into public notices. It will list the bank's attorney, and you may contact the lawyer for more information about the property. You shouldn't be surprised if he is friendly but not especially cooperative: He offers legal services and working as a property receiver is only one of these services. He is paid to organize paperwork and execute the foreclosure sale, certainly not to act as a real estate information hotline.

If you are interested in the house, contact the homeowner immediately. Keep in mind that the homeowner is already under a substantial amount of mental pressure. Don't be surprised if he doesn't respond favorably to your request, at least not initially. You will need to be respectful, tactful, and aware of the strain the homeowner is under. They will try desperately to hold onto hope that things may somehow work out.

When the homeowner is relatively receptive to your approach, then you will need to see whether there is sizeable equity in the property. Let's say that the property has a projected market value of $150,000. You have been able to inspect the property, and other than needing a little exterior repair, it is in good enough shape. You estimate you will spend $5,000 getting the property ready to sell. So, you determine that your walk-away price is $125,000, which leaves you enough room to make the sizable profit you want and at the same time covering the cost of repairs and your holding cost (payments you must make, utilities, etc.). If $125,000 is still owed on the mortgage, you probably will not be able to purchase it for less than $125,000. Although sometimes a homeowner may accept less than the owed amount, the chances are slim.

If a legal judgment has already been made, the homeowner must come up with enough money to satisfy the judgment. When the homeowner doesn't have much equity in the house, you are unlikely to be able to pull off a price significantly lower than the property's value. And if you cannot buy under the market value, you will never make enough a profit.

If you manage to get a short sale with the bank on the homeowner's behalf, you can buy the foreclosed property for less than the balance currently owed and the homeowner does not have to compensate the lender for the difference.

Investing in foreclosures takes time and effort but can result in profits
Ebele Kemery is a Commodities Leader, a member of the Global Fixed Income, Currency & Commodities (GFICC) Group.
Ms. Ebele Kemery has a track record of consistently profitable trading efforts, and expanded business through understanding of client needs and developing customized solutions that leverage a wide variety of techniques and market intricacies.
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The Tax Benefits of Natural Gas Investing: Ebele Kemery

Any type of investing has an element of risk. Investing in the exploration of natural gas is no different. Investing in the exploration of natural gas is not like commodity investing. When you are investing in a commodity, such as gas or oil, you trying to buy low and get a return when the price rises. When you invest in the exploration of natural gas, however, you are investing in an opportunity to find natural gas by drilling. Because natural gas is so very much desired and a necessity commodity, there are various tax benefits that go along with investing in natural gas.

When you invest in commodities, you get no tax benefits. If you make money on the investment, you pay a capital gains tax on what you make. This is not the case when you are investing in natural gas exploration. You can write off a dry hole, for example, and any cost that comes from drilling for the gas can be written off in the first year of the investment.

If the project is successful, you can write off the profits over a period of years. This can often include depreciation over the life of the well. Many investors will do a straight line depreciation over a course of seven years. You cannot do this when you are investing in stock, for example, that makes huge gains. There is a significant decrease in the capital gains that you have to claim on your investment.

If the project is unsuccessful and it ends up with a dry well, you can write off as much as 65 percent of the loss. This can actually reduce your tax bracket, saving you money when you prepare your income tax. The 65 percent loss write off is one of the reasons why many investors are eager to participate in the investment of gas or oil exploration as even a loss can end up again when it comes to tax time.

The reason that there are such tax incentives when you are investing in natural gas exploration is that the government wants to encourage these types of investments. While investing in stock that goes up can benefit both you and the company that owns the stock, a profit in the field of natural gas exploration can benefit the entire nation. This is the reason for the significant tax benefits when investing in natural gas exploration.

Even if you lose, you win, when you choose this type of investment. If the investment does pan out and the drilling is successful, you can find that you earn a high return on your initial investment that can often be stretched out to the life time of the well, allowing your tax benefits to continue well into the future.

Ebele Kemery a Portfolio manager and associated with JPMorgan Investment Management. Ms. Kemery is responsible for formulating our view and investment decisions for major energy commodities including, but not limited to: crude oil, gasoline, heating oil and natural gas.

Ms.Ebele Kemery is a Commodities Leader with a track record of consistently profitable trading efforts, and expanded business through understanding of client needs and developing customized solutions that leverage a wide variety of techniques and market intricacies.
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How Effective Is Automated Forex Trading? Ebele Kemery

Ms. Ebele Kemery: Finance these days can be scary, and it is difficult to figure out where money should be invested to bring the best return. Some invest in property, some in jewelry, but foreign currency trading seems to be one of the biggest forms of investing. If you are interested in dealing with the foreign currency market and wish to gain a profit, then you should really check out our automated Forex trading systems. Automated Forex trading is an efficient system to predict on the rise and fall of the currency rates and automatically execute profitable trades instantly without user intervention.

The best Forex software is the one that provides you reliability, proven trading records at a fixed lot and is affordable too! Whether it is technical analysis, or fundamental analysis, automated Forex trading system is a prospective way to do currency trading. With an auto trading system, signing up a trading account is an easy process, and moreover, at the very next moment, you would begin earning profits.

Forex market is a 24-hour market, and with automated Forex trading software users are not bound to follow the market constantly. The automated trading system monitors the market without fatigue and with complete assurance on users' accounts. The automated trading system not only provides huge returns on your investment, but it also gives an edge to both experienced and novice traders. Automated Forex trading is more likely to make practical decisions even in the most erratic and real time situations because there is no emotional or personal attachment to the trades.

It takes at least 5 years for novice traders to become profitable; hence, it is recommended to use automated trading in parallel as new traders are learning how to trade. It is wise to have two accounts: one account for manual trading and another for automated trading. Users can review their manual trading account versus the automated trading account and compare for consistency and profitability.

The automated Forex trading software must work all the major Forex brokers. It must have stable and consistent results regardless of market volatility. Most Forex trading software tend to have too many features listed on their interface. This gives the traders more control but also more opportunities to make mistakes.

The foreign currency market runs 24 hours a day, 5 days a week, and it does not have a centralized exchange. Unfortunately, humans do not have the ability to follow the foreign currency market, 24 hours a day, so having a Forex auto trading system will get you ahead in the race. Forex EAs, or robots, can assist you in monitoring the market on a continual basis and perform trading activities without your intervention. Wouldn't you have a better night's sleep knowing your investment is secure and is making money for you?

Therefore, look for an automated Forex trading system that has been running in real time with a track record greater than one year. Get yourself indulged in the world's largest trading market, and obtain an edge with automated trading system. Yeah! It really works!

Ebele Kemery has a decade of experience in Finance, Investment Management, Sales, Trading and Commodities. Satisfy all risk management requirements. Consistently promoted; recognized for development and leadership strengths. Ebele Kemery has Strong analytical approach; full-tuition scholar from top-tier university possessing a Bachelors in Engineering in Electrical Engineering.
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Energy Competitions Starts With Restructuring - Ebele Kemery

Energy competition is primarily composed of natural gas and electric utility companies vying for long term customers. This industry is a large, heavily capitalized and highly competitive business that operates on a global level.
There is intense competition in the worldwide markets. The natural gas industry is closely connected to the discovery and creation of oil, which means that major oil companies are also engaged in energy competition within the natural gas division.

The spread and supply of the natural gas commodity is in many ways similar to the diffusion and delivery of electricity, and these commodities are treated similarly in restructuring markets where direct sales are permitted.
Prior to the reorganization of these markets in many states across America, companies found and manufactured the commodity and sold the resulting product to transporters that in turn transported it to distributorship operations.

These distribution companies make the commodity available in the open market for consumers to purchase and utilize. Under this traditional model of regulated markets, the need to contend was nonexistent as the business was incorporated from top to bottom allowing for all components of the production, distribution and sale of energy to be provided as a "bundle" to customers. Under federal regulation the industry was monopolized by public utilities.

The era of restructured and introduction of marketers of the commodities has opened up the power industry worldwide including the United State where about half of the states have adopted legislation to allow for market reorganization. The process essentially involves "unbundling" the supply component from the transportation component and expanding the customer choice.
Ebele Kemery believes that in the environment of restructured various aspects of the process can be entirely separated. Utilities can manage some but not all components of producing, delivering and selling energy to end users.

The increased energy competition conditions are causing the industries to undergo fundamental restructuring. There is intense rivalry among companies being introduced to the market and working within the market. Top to bottom organization has been replaced by lateral organization.
Within today's domestic market where the energy competition has advanced more than in almost any other market worldwide there has been a move away from the secure but restricted prices and extended contracts.

This is causing a wholesale change in the way each of the traditional components of the industry operates. Never-before-seen players, such as marketers who act as the liaison between traders of natural gas and electricity, have emerged.
Energy competition in the market place has impacted the delivery of power. This function was traditionally performed by companies that were financed through private investment or local governments.

Historically these public utilities had exclusive rights to distribute the commodity within specific geographic boundaries. Changes in markets have opened them to other companies who are also vying for customers.
Restructured and unbundling of services has ushered in options for separate contracts for storing and auxiliary services and well as discounts.
Most large users tend to buy natural gas and electricity directly from manufacturers or sales marketers while smaller use customers continue to purchase through local distribution companies involved in this market.

Ms. Ebele Kemery is a member of the Global Fixed Income, Currency & Commodities (GFICC) Group. Ebele is also a Portfolio manager - Head of Energy Investing at JPMorgan Asset Management. She has proven track record of robust and consistent profitable returns in commodities. And increased assets under management through strong performance and development of customized solutions that leverage a wide variety of market techniques

Advantages of Currency Derivative Trading by Ebele Kemery

Trading in the Stock Market can be done through various manners. While some choose to buy and sell stock/shares, there are others who choose to trade through derivatives.

Derivatives are basically financial instruments or contracts which base their value on the performance of spot market price, (also known as the underlying variable market conditions such as bond, stock or currency. These underlying market conditions may be interest rates, market indexes, equity prices, currency exchange rates, market securities and credit. These transactions can be of different types such as futures, options, swaps, floors, caps, collars, structured debt obligations and deposits, forwards; or any combination.
Derivative Trading usually takes place on a separate/individual derivative exchange/a separate segment of an existing stock exchange.

There are two types of derivative instruments which are traded;

Futures: This is an agreement between two parties, either to buy or sell a particular asset at a certain time in the future at a certain price. Future contracts are usually settled in cash. These are particularly used in the commodities market. Future contracts are always denominated in a particular currency; where the purchase a speculation for the value of the commodity as well as the currency in which the contract is made.

Options: This is a contract where the investor has the option - not an obligation to buy or sell an underlying at a future stated date at a pre-determined price. They may be of two different types:

- Calls: These give the buyers the right (not an obligation) to buy a particular given quantity of the 'underlying asset' at a particular price; either on or before a pre-decided date.
- Puts: These give the buyers the right (not the obligation) to sell a particular quantity of an underlying asset at a particular price; either on or before a pre-determined date.


All option contracts are settled in cash

There are two categories of derivative contracts:
1) Over-the-counter (OTC) derivatives: These types of derivatives do not trade on formal stock or future exchanges or through a centralized counterparty.
2) Exchange-traded derivatives: These types of derivatives are traded through specialized derivative exchanges or any other exchange.

The foreign currency market, which is the largest trading market in the world, is also known as 'FX' or 'Forex'.
This market is based on trading on currencies. This market trades currency derivatives - financial instruments which are based on foreign currency.

What are Currency Derivatives?
These are types of contracts where currencies are traded in the form of futures or contracts and can be traded as assets in their own right. Investors who choose to buy future contracts in currencies are buying the right to exchange a certain amount of a particular commodity at a future date.
This type of trading usually involves the following parties:
•    Traders-importers/exporters
•    Arbitrageurs
•    Speculators
•    Hedgers
•    Stockists


Advantages of Currency Derivatives Trading
1. Hedging: Hedging basically refers to making an investment where you can reduce the risk of price movements in an asset. You can not only protect your foreign exchange exposure but also hedge potential losses by taking necessary positions for the same. For e.g. you could hedge if you had a feeling that the USDINR was going to depreciate.

2. Speculation: Speculation refers toengaging in risky financial transactions with an attempt to make profits from short or medium term fluctuations in the market value of a tradable good.

3. Leverage: Leverage basically refers to the use of different financial instruments or borrowed capital such as margin so as to increase the potential return of an investment. By trading in currency derivatives by just paying a % value known as the margin amount instead of the full traded value

4. Arbitrage: Arbitrage refers to the process of purchasing and selling the same security; at the same time in different markets. This is done to take advantage of a price difference between the two separate markets.

5. Style of Trading: There is transparent online trading and no insider trading involved in currency trading

Ebele Kemery is a Portfolio manager - Head of Energy Investing at JPMorgan Asset Management. Ebele Kemery has proven track record of robust and consistent profitable returns in commodities.. Ebele provides useful tips and knowledge on wide array of online trading services such as equity, currency derivatives, bonds and debentures, mutual funds and gold investment.
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Alternative Energy Advantages - Ebele Kemery

Ebele Kemery: The continued use of fossil fuels has come under a lot of scrutiny in recent times. We keep hearing about alternative energy and how they should be used in lieu of fossil fuels. Have you entertained this thought at all? Do you wonder what the advantages of using alternative energy are and how you can benefit from it?
First, let us be clear about what alternative or renewable energy is. Alternative energy is the term used for energy sources other than fossil fuels. Although not all alternative sources of energy are renewable, for our discussion purposes, we will limit ourselves to renewable energy resources.

Renewable sources of energy are those that cannot be depleted and therefore, will never run out. Examples of these are sun, wind, running water, tide, wave, and still many others. To illustrate this point, imagine using wind power to generate electricity for your home. The wind is always in the atmosphere, blowing in your surroundings. Its strength and speed may not always be the same, but you can be assured that your use of this energy now will not diminish your supply of wind in the future.
In fact, that is one very obvious advantage of using alternative or renewable energy. Unlike fossil fuels where the supply of which is in rapid decline, we will never have to worry about running out of renewable energy. That isn't going to happen.

Another very important advantage of using alternative energy is its contribution to environmental well-being. The burning of fossil fuels, a process required in converting them into a consumable energy, pollutes the environment in a non-repairable manner. Global warming, or the warming up of the earth due to enhanced emission of greenhouse gases in the atmosphere, is a very prevalent problem the whole world is facing. And fossil fuels are a major contributor to this environmental concern.

On the other hand, the use of renewable energy does not bring forth an enhanced emission of greenhouse gases because burning is no longer required for their use. Also, alternative energy sources such as wind power, solar power, hydro energy, tidal power, and wave energy are clean and unpolluted. So, aside from not adding to the pollution caused by enhanced greenhouse gases, these types of alternative energy do not contribute to other forms of environmental degradation. Whatever impact the use of renewable energy entails, it is very minimal compared to the consequences of using fossil fuels.

Moreover, the use of alternative energy will benefit the local economy because we will no longer need to import fossil fuels to generate electricity. Since electricity will now be generated locally, it will also mean more job opportunities for the locals.
Using alternative energy can sometimes require substantial capital investment, but in the long run, it will undoubtedly be more cost-efficient for the economy or the investor, especially since the supply is practically free. And more importantly, it will be of the very least cost to the environment.

Ebele Kemery is a member of the Global Fixed Income, Currency & Commodities (GFICC) Group. Based in New York, Ebele is the head of Energy Investing within the Commodities team and is a Commodities Leader with a track record of consistently profitable trading efforts.
To know more about her please visit: http://ebelekemery.freeblog.site/about

The World Needs Women Entrepreneurs - Ebele Kemery

There is a gradual but steady global shift that will result in women being the inevitable future leaders of our societies. If not, at the very least the current imbalance will be redressed.
On a smaller scale there is also a huge opportunity for any business or organisation that can step out of its limited, "safe" traditions and bring forward a more rounded, holistic and balanced way of doing things. Women and their inherent creativity are uniquely positioned to do this.

But the game of business is a game created by men. That's a procreation thing, governed by genetics. Men regularly used to venture forth and conquer other civilizations, raping and pillaging as they went. They would kill the men and impregnate the women because it was a matter of survival - about fulfillment of their bloodline. That's what they used to do. Now they do it in business.

Men typically do business from a win-lose point of view. From their perspective "For me to win, you have to lose. The 'pie' of business is only so big, and my job is to go and carve out as big a piece of pie as I can."

In contrast the attitude generally taken by women is, "Well here is a pie that's only so big. Why don't we see how we can make that pie go further? Or why not share the pie and enjoy it? Or why don't we work at making another pie - then I can have a pie, and you can have a pie and we'll have more pie." So it's very much about win-win.
Over the last 25 years it's been observed by Ebele Kemery that better business is done by people who are playing win-win.

Men will go to extreme lengths to compete and win while women want a completely different business experience. The critical challenge for women comes when they go out into the world and declare "I want to play win-win in business", and all the men go "Yes, we want to play win-win too!"
But the reality is that the men are still playing win-lose. This will overwhelm every time. This is because if somebody is playing win-lose but telling you that they are playing win-win, as a win-win player you'll trust them. You'll go along with it and be taken advantage of every time.

So what do most women do? Some will play along with the men's rules, but many will start their own businesses. Women can (very slowly) change corporate culture from the inside, or they can change the world by starting their own companies. Becoming an entrepreneur doesn't require any shifts in corporate culture.
For the last century or so, we have been addressing business issues as if they are linear, independent, and containable. Look around the world and you'll find it hard to agree this is true. But if, as Einstein said, the thinking skills that create an issue are not the thinking skills you need to resolve that issue, we need more people with a different perspective on the problem and a new set of skills and abilities.


What is needed in business today is a better grasp of (and comfort with) relationships of all kinds. And this is the kind of thinking and problem solving that is most natural to women as typically:

• Women are intuitively systems/relationship thinkers;
• Women seek balance;
• Women care more about solutions than who gets credit;
• Women are experts on collaboration;
• When they are passionate about something, women never give up.

As a result, women entrepreneurs intuitively create businesses that are better for themselves, their families, their employees, their communities, their customers and the world. Women tend to be more holistic about their understanding of their place in the universe. For example, they will operate from a perspective of abundance rather than scarcity, and they appreciate the energy and vibration of their actions in the business (and broader) world. They more readily bring "soul to business" by being more in touch with their spirit and emotions and able to converse openly about them.

Women's measures of success also tend to be much broader. They are by nature, equipped for the Triple Bottom Line challenge. In fact, they assume that's the goal, although they can get sidetracked by the attempt to play a game the rules of which we have established have essentially been created by men.

It is the tendency to create holistic enterprises that make women so effective at entrepreneurship. This is enabled by being able to see an issue from so many angles at once.
On a deeper level, women are interested in other people. They invariably notice things that are outside the awareness of most men. They do the right thing, they treat people well, and they listen to other people.

Women entrepreneurs are great. But not because they're caricatures or stereotypes of some altruistic awesomeness, but rather because they often bring a different set of experiences that are equally valid to what men bring. The more we have of both, the richer everything gets. How could we do without the action and results orientation of men?
And before we over-glorify women, we should recognise that they are just as diverse and varied as men, coming with their own set of issues and idiosyncrasies. Indeed, many women end up being selfish and obnoxious, just as some men are really sensitive and thoughtful.

Not only do we need women entrepreneurs, we need growth oriented women entrepreneurs. Women are starting businesses twice as fast as men. But they are not all growth oriented, employment producing businesses. Many of them end up employing just one person. A transformative and participative leadership style is not enough. For example, women need to learn all the regular business skills necessary such as raising capital to fund growth. Furthermore they need role models of growth oriented women entrepreneurs that are not behaving like Machiavellian males.





Things are continuing to change in the 21st Century with regards to more opportunities for women. But they are still the underdog, which means they'll continue to work harder - to the benefit of all.

Ms. Ebele Kemery a member of the Global Fixed Income, Currency & Commodities (GFICC) Group and a Portfolio manager is extremely passionate about female education and believes it to be one of the most powerful and effective tools a girl can be given in the fight against poverty, disease and malnutrition. Ebele Kemery hopes that one day she will create a vehicle capable of spreading education to underprivileged girls around the world.
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