Finance Roll

The Las Vegas strip was not built on winners. Millions of people gamble as a way to hit it big and attempt to achieve wealth. With the heart pumping and adrenaline running, the thrill of winning is incredible, but the agony of defeat is much more probable. The odds of winning in a casino are not in your favor- the house holds the cards and the money - most likely yours. You are playing their game, on their turf, by their rules. Only with true luck will you prosper.

A more safe and realistic way to be a winner is to invest your money in the secondary financing market, through buying and selling notes and other cash flows. A promissory note, a written promise to pay a specified amount through certain terms and conditions, is a flexible and easy way to earn high rates of return on your investments.

The note holds multiple possibilities as an investment. There are over 60 types of notes, also termed debt instruments, to be bought and sold. Examples of such notes include: real estate, airplane, business, car, lottery winnings, insurance settlements, and many more. With a real estate note as an example, the note has a higher rate of return because the risk is higher on a loan in the secondary financing market due to issues such as credit problems, bankruptcy and insufficient job number of years in the work force. A benefit to a real estate note is the note is secured with collateral, the actual property. With real estate notes you understand the investment and it is insurable and you can add value to your investment unlike stocks and bonds. In addition, you have options. If you invest in a note, and after holding the note decide to sell for cash, you may. You may sell a portion of the note or the entire note. Business professionals and investors are constantly seeking opportunities to purchase a note in exchange for cash.

The secondary financing market of note exchange is rising. Note holders in need of money will exchange an existing note for cash. The Mortgage Bankers Association noted from December of 2004 to 2005, commercial banks had an increase in commercial and multi-family mortgage debt of $151 billion. With more debt in society, there are going to be countless opportunities to purchase a note and take over the income stream in exchange for cash. Buying in on the income stream, will in turn be a profitable investment, because the note is an asset.

The note can be bought through different terms and condition, with the level of risk the investor prefers. Through such an investment, there is no uncertainty over the amount, interest and duration of the note. The note already exists with the interest rate determined. Depending on how you buy the note, you can also increase your yield from what is typically an already high interest investment. Why gamble with your money? Why increase your chances of losing your investment? You can invest in a note - an investment where you understand and know the rules of the game.