Planning for retirement is a critical task that every worker should take on early in their career. The earlier they begin to prepare their retirement fund the larger it is likely to be when they need it. Many people consult with professionals who can help them put together a solid portfolio. There are a host of investment services available, and there are a few steps that you should take when planning for your post career income. In addition to stocks and bonds, you should consider including addition streams of income, especially if you come across an investment opportunity that has a great ROI.

Here are four steps to a worry free investment.

Step 1-Know Your Situation

It is important when planning for your retirement fund that you know your situation. In addition to your income, you should know your outstanding debts, such as home ownership, and when they will be paid off. You should also know your future obligations, such as college funds. When you understand your balance sheet, you will know how much of your income you can put into investment services. It is also important to know your credit score, particularly if it is good. Even if you do not have a lot of free money to invest, it is possible to find an excellent investment opportunity that you can get into with a good credit score.

Step 2-Look at the Numbers

One of the basic concepts of investing is determining what your return on investment will be. Stocks often give big payoffs compared to bonds and traditional savings, so it seems logical to load your portfolio with stocks. However, stocks are also very volatile and too many people have seen their retirement fund plummet when stocks lose value. When looking at the different investment services consider a balanced portfolio which is more likely to bring you closer to your retirement goals. Knowing the numbers will also let you know if you are able to take on an investment opportunity when it comes along.

Step 3-Select Your Tools

Once you have an understanding of your situation and the ROI on various investments, it is time to select the tools that will make up your retirement fund. There are many good firms that specialize in investment services and can help you put together a solid portfolio. You need to find an investment counselor who you can trust to help you select solid stocks and bonds to build a balanced portfolio. They can also let you know if an investment opportunity is a good idea.

Step 4-Expect Change

No matter how well we plan, change always comes along. We lose a job or become sick and cannot work. These can have an impact on a retirement fund, especially if you cannot add to it for a significant amount of time. Market forces also can damage a fund, which is why it important to have a balanced portfolio and not to load it with stocks. Investment services professionals should have contingency plans in place for these kinds of events. You may need to work a little longer or take on a part time job. A good investment opportunity is also a way to create a steady income stream to supplement your retirement fund.

Planning for retirement should start early in your career and continue throughout your working years. Be aware of your changing situations and take the actions to grow a strong fund and have a worry free retirement.

The country is going through some turbulent economic times. Unemployment is up and more homeowners are facing foreclosure than ever before. Many people saw their savings and retirement funds sink when the stock market went down. It is hard to think that this is a good time for investment but there are some high yield investments out there and this is a great time to seize the opportunity. The gains are being found more in alternative investments rather than the traditional stocks and bonds markets. This is where the smart investors are turning as they work to recover their portfolios and retirement income.

One solid investment opportunity is at Eagle Asset Resolution. EAR is a qualified debt buying investment company that is offering private investors the chance to experience good returns on high yield investments. Eagle Asset Resolution purchases consumer debts and loans from banks and loan companies. These are debts that have been charged or written off by the original loan provider. EAR then works to collect the funds from the original customer.

Since banks are eager to get these debts off their books they sell the debts far below their value, and are selling at even lower percentages during this economy. This allows EAR to see a higher profit margin and their investors to see up to a 25% return on their investment, making this one of the best alternative investments available today. It is a great way to create cash flow and pump up sagging retirement income.

The reality is more and more people are being affected by the recession. In this down economy, with fewer sources of income, people are maxing out credit cards and banks are writing off more debt. In May of 2009 the US Treasury performed a stress test on nineteen of the approximately eight thousand banks in the nation. Those nineteen banks had a total of $84 billion in charged off consumer debt. That figure is expected to rise to $140 billion by the end of the year and rise to $184 billion in 2010.

That’s just from nineteen banks, and the debt amount will continue to rise.

The total charged off debt in all banks could reach $200 billion by 2010 before volumes start to decline. The number of non-performing loans is so high that banks have to continue to sell them off at steeply discounted prices.

EAR knows they will only collect a percentage of the outstanding debt, yet they will still see a substantial profit based on the volume of non-performing loans. This is why the time is now to take part in these high yield investments. Eventually the volumes will drop and banks will resume selling debts at higher percentages, reducing the profit margin of these alternative investments. Investors who get in now will be able to experience incredible returns and come out on top in this down economy. They can increase retirement income and create new revenue streams.

Now is the time to let Eagle Asset Resolution help you fulfill the best potential of your investments.

Bill collectors can conjure up fear even in those who have no debts. They have a reputation, often earned, of being nonstop bullies who constantly hound people in an attempt to squeeze whatever money they can out of them. Many buy charged off debts from banks and loan companies and then try to collect from the original customer. Most adopt a confrontational strategy that treats the customer as an enemy of war who must be defeated. With this in mind it is hard to think of the strategy of debt buying as being high yield investments.

In fact, smart investors have been utilizing this investment tactic for years and often building very successful companies. These alternative investments are different than those that involve stocks and bonds. Those investments are usually dependant on the ups and downs of the stock market and it is easy to earn and lose a fortune in a very short amount of time. This is why many who loaded up their portfolios with stocks saw their retirement income dramatically decline in the past few years.

Eagle Asset Resolution is a qualified debt buying Investment Company that purchases charged off debts and collects from the original customers. However, they don’t use the typical hard nosed tactics of traditional collectors, instead using what they call applied psychology.

Instead of harassing customers by constantly calling them on the phone and threatening them, they use a strategy they call “Polite-Professional-Persistent”. This strategy has led to greater success and the ability to offer these high yield investments to a greater number of private investors.

EAR realized that customers respond more favorably to debt collecting companies that treat them with respect. While others abuse and hound customers until they cave in and send money, EAR works with the customer to create a win-win partnership. They are polite to the customers and acknowledge their financial problems. They work with them to find repayment plans that both sides are comfortable with. This allows the person to retain their dignity and not feel belittled or abused.

This strategy is successful and one of the reasons EAR is one of the best alternate investments to participate in. Most people want to pay off their debts but are turned off my high pressure tactics of the traditional collectors. EAR’s strategy results in a higher pay back rate so the company earns better returns and so do their investing partners. This is a great opportunity to create addition cash flow or add to a retirement income fund.

In today’s economic reality it is hard to find solid high yield investments that do not carry a lot of risks. EAR creates solid consistent returns that are generally five to eight percent higher that current rates. These are good alternative investments to those who may have lost big in the stock market or saw their 401K retirement income drop. The truth is banks and loan companies will always write off a certain percentage of debts, no matter the state of the economy. EAR can help you unlock the potential of your investments and substantially increase your returns.

Investment opportunities are plentiful and it seems we are always hearing of new ways to build our portfolios and increase our finances. Many of these high yield investments, such as real estate, are good strategies and are proven ways to make money. The problem is most people do not have the cash on hand to invest in these opportunities. In today’s economy it is difficult if not impossible to get a loan or line of credit so you can take advantage of these investments.

There are a few alternative investments that are available to regular investors without funds of their own to invest. Eagle Asset Resolution is offering the opportunity for private investors with strong credit histories to join their qualified debt investment program. You will see great returns that can provide steady cash flow and add to your retirement income.

There are several ways to invest with Eagle Asset Resolution. You may have money in a 401K retirement plan from a former employer. Some people forget about these but you can use it to take part in the opportunity for high yield investments at EAR. Another possibility is to cash in some poor performing stocks and invest the funds in the qualified debt investment opportunities at EAR. They can help you safely control your investment and grow them five to eight times your current rate.

You can also participate in these alternative investments with a good credit history. EAR allows those with credit scores of 680+ to become a credit partner with them and take advantage of this chance to see higher rates of returns and greater cash flow. This could provide a significant boost to your retirement income.

Investors with a minimum fico score of 680 can join and become a cash partner with Eagle Asset Resolutions and begin taking part in their high yield investments. Within two weeks approved partners will receive between $20,000 and $50,000 to invest with. You’ll be able to use your good credit as an asset and begin to see substantial investment returns very quickly. If you have a good credit score you can take part in these alternative investments with absolutely no out of pocket expense. Most importantly, this will not affect your personal credit. You will not only add to your retirement income, you will be increasing your current financial assets.

For too long most people have been shut out of the high yield investments that have the best returns. Those opportunities were only available to those with a lot of cash on hand and certain connections. Eagle Asset Resolution offers successful alternative investments to a wide range of private investors, even if their only asset is a strong credit score.
Anyone interested in increasing their portfolio and adding to their retirement income should consider partnering with EAR. They will use their qualified debt buying expertise to bring high yields to your investments. Whether you have some money to invest or just a great credit score, EAR can help you unlock the potential of your investments and enjoy substantial returns.

With a tough economy, and a lingering recession, most people are tightening their belts and carefully watching their expenses. Most are avoiding investments after disappointing stocks and bonds wrecked havoc on their portfolios. Few are taking chances and are only interested in high yield investments with low risks. Usually this kind of return can only be found in alternative investments, the ones that are off most investors’ radar. However, it is exactly the kind of investment that can quickly bring their portfolios and retirement income funds back to the levels enjoyed just a few years ago.

There is one investment that could be described as the financial opportunity of the century. Rarely do circumstances come together to create such profit margins and high yield investments. In this case it is the combination of a recession and huge consumer debt that is providing an incredible opportunity for debt buying companies to earn substantial returns. The returns are shared with investors who participate in these alternative investments and come out on top in a down economy. Investing in a debt buying company is a smart way to add to a retirement income fund and create a steady cash flow.

Debt buying is not a new tactic. In fact many smart investors have been very successful with this strategy for years. There will always be a certain number of loans and debts that the customer has defaulted on and the bank or loan company will label these non-performing loans. Credit card debt makes up a big percentage of these non-performing loans.

In one year, from August 2008 to August 2009, charged off credit card debt rose more than 41%. The banks need to move these debts off the books so that they can free up funds to loan to others. Usually they sell these debts for 8%-12% of their original value. The collection companies who buy these generally recover about 30% resulting in a profit margin of 6%-10%.

Today the high volume of these charged off debts is pushing the banks to accept much less than in the past, now releasing these debts for less than 5%.  This can increase the profit margin to as much as 25%.

However, not every debt buying company will see these high yield investments. Most debt collectors use the old tactics of pressuring the customer with constant and often abusive phone calls. The theory is that the customer will eventually cave in and pay the loan.

Eagle Asset Resolution uses a different strategy they call Polite-Professional-Persistent, and its success is making it one of the best choices in alternative investments. Instead of hounding and abusing the customer they are polite and professional with the customer and put together a repayment plan so that everybody wins. This strategy is showing higher rates of debt collection.

When you combine the volume of debt, the bank release costs under 5%, and the successful collection rate of EAR it is easy to see why this is a once in a lifetime financial opportunity. Anyone who has lost money in the stock market, or wants to increase their retirement income, should consider becoming an investing partner with EAR. They will help you reap substantial returns from your investments.

Investors are always looking for opportunities to get a high ROI. They want high yield investments that are stable and not overly risky. Many stick with the traditional methods but often it is the alternative investments that produce the best yields with lower risk. This is especially important if the investments are meant to grow a retirement income. Eagle Asset Resolution has a great opportunity where you control your investments and see it grow at an incredible rate.

EAR offers a very safe investment strategy that has been used for many years. Other investors have been using this investment and experiencing great ROI. They are proven high yield investments that safely increase at rates often five to eight times higher than your current rate. They use alternative investments that while not the traditional stocks and bonds, lead to good solid returns. EAR can help you produce additional streams of income to use now and to add to your retirement income.

EAR utilizes qualified debt investment opportunities to help its investing partners earn great returns. Some private investors have even seen returns as high as 25%.  These high yield investments are based on the incredible amount of charged off consumer loans and credit card debt that exists in the country today.  With the economy slow and many people struggling, the debt continues to grow. Much of this debt is written off by banks and loan companies who have determined that it will never be paid back. The banks need to release these debts from their books to free up funds for other loans and are releasing them well below their original value.

EAR purchases these charged off debts and loans and collects from the original customers. Because the banks and loan companies are releasing them well below value it raises the profit margin, sometimes to as much as 25%. EAR offers these alternative to people with a little money to put in or even if they have a strong credit score. This allows even those without freed up cash to invest and add to their own retirement income.

While bill collectors have been in existence forever, EAR has their own strategy for collecting on debts. Instead of employing the old traditional tactics of hounding customers by phone until they finally relent and send in some money, EAR uses applied psychology. They build a partnership with the customer, listening to their problems and working to come up with a suitable repayment plan that each side is comfortable with. This strategy is successful and allows EAR to offer these high yield investments to others.

In this rough and unpredictable economy many people have suffered hits to their savings plans and portfolios. Many are looking beyond traditional stocks and bonds and toward alternative investments that offer a higher return on their dollar. EAR is offering a great opportunity to safely invest in a proven system and investors with good credit scores can participate even if they have no free cash to invest. You can add to your retirement with EAR’s qualified debt investment opportunities and watch your portfolio grow.

Knight Financial News

Bank Failure News

Bank Failure Friday -- Three More Go Down

Three regional banks were closed by regulators on Friday evening, bringing the 2009 tally to 98.

Warren Bank, in Warren, MI, Jennings State Bank in Spring Grove, MN, and Southern Colorado National Bank, Pueblo, CO, were the latest to go down.

An average of 10 banks have failed per month this year, nearly four times the number that failed in 2008. It's the highest tally since 1992, when 181 banks failed.

This year's failures have reduced the FDIC's insurance fund to $10.1 billion from $45 billion a year ago. In total, Friday's closures will cost FDIC $293.3 million.

Faced with dwindling funds, the FDIC discussed how to raise money to restock the fund earlier this week. The agency proposed that banks prepay their deposit insurance premiums for the next three years.

Twenty-six Banks Report That 20% of Their Loans Cannot Be Repaid

The number of U.S. lenders that can't collect on at least 20 percent of their loans hit an 18-year high, signaling that more bank failures and losses could slow an economic recovery.

26 banks have more than one-fifth of their loans 90 days overdue or not accruing interest as of June 30 -- a level of distress almost five times the national average -- according to FDIC data. Three reported almost half of their loans weren't being paid.

While regulators may not force firms on the list to close, requiring them to raise capital and curb loans may impede recovery in Florida, Illinois and seven other states. The banks are among the most vulnerable of a larger group of lenders whose failures the FDIC said could cost $100 billion by 2013.

At least 17 of the 26 banks have been hit with civil penalties or enforcement orders that demand improved management and more capital.

Banks Charge Off Record Numbers of Credit Cards

NEW YORK (Reuters) - The U.S. credit card charge-off rate rose to a record high in August, as more Americans lost their jobs, Moody's Investors Service said on Wednesday, in another sign consumers remain under stress.

The Moody's credit card charge-off index -- which measures credit card loans that banks do not expect to be repaid -- rose to 11.49 percent in August from 10.52 percent in July.

The index resumed an upward trend after declining in July for the first time in almost a year, vanishing hopes of stabilization in the industry after record high credit losses.

"We continue to call for a recovery of the credit card sector to begin once industry average charge-offs peak in mid-2010 between 12 percent and 13 percent," Moody's said in a report.

Credit card losses usually follow the trend of unemployment, which rose in August to 9.7 percent, the highest level in 26 years. Moody's estimated unemployment will peak next year at 10 percent to 10.5 percent.

The Moody's index showed credit card delinquencies -- payments more than 30 days late -- rose to 5.80 percent in August from 5.73 percent in July.

Data released by companies earlier this month based on the performance of credit card loans that were securitized showed defaults rose to record highs at Bank of America Corp and Citigroup Inc, among some of the biggest card issuers.

While this is terrible news, it is not unexpected.  We have been predicting credit card charge off rates at this level and we think that Moody's will be on the low side with a forecast of a 13% charge off rate before things turn the other direction.

This is a great time to be in the debt buying business.  There are lots of opportunities available and more available every day.  If you are not maximizing your opportunities, this would be a good time to contact Eagle Asset Resolution at 218-386-2244 or info@earllc.com to see if you can get up to a 25% return on your investments.

The Wait for Financial Reform

BACK during the Obama transition, the newly designated chief of staff, Rahm Emanuel, enunciated what I'll call the Emanuel Principle: "You don't ever want a crisis to go to waste," he said. "It's an opportunity to do important things that you would otherwise avoid." He was right. But I fear that the Emanuel Principle is about to be violated in the case of financial reform.

We are barely emerging from the greatest financial crisis since the 1930s. From last September to March, it was downright frightening. Yet by the time Congress left town for its summer recess, financial reform appeared to be losing steam.

After all we've been through, and with so much anger still directed at financial miscreants, the political indifference toward financial reform is somewhere between maddening and tragic. Why is the pulse of reform so faint? Read David G. Klein’s complete article in The New York Times

310 Lake St NE
PO Box 894
Warroad, MN 56763
218-386-2244 office
320-323-4405 fax

Frequently Asked Questions:

How does Eagle Asset Resolution protect my investment?

Your investment goes into a trust account to be used to purchase debt. Eagle Asset Resolution only uses the proceeds from successful investing of that trust account for expenses and salaries. As with the above examples, when the company sees earnings from the collection effort the majority is returned to the trust account. The trust account is either held for your direction or to be reinvested. Your trust is important to us.

By using only the investment proceeds, Eagle Asset Resolution has a major incentive to return the highest percentages possible. The higher the returns, the more working capital we have and the better your investment performs.

Your investment will join others in a partnership with Eagle Asset Resolution and will be used to purchase pools of charged off debts. You will share in the profits based on your percentage of ownership in the Company. Profits are derived from any transaction completed through the partnership. You can own up to 25% of the company and that entitles you to up to 25% of the profits.

So starting earning substantial returns using your assets more effectively, become a partner with Eagle Asset Resolution. Together we can come out on top in a down economy while helping millions get out from under their financial burdens.