IRA Investing – Where to Put the Money

IRA investing can seem overwhelming. First of all investing funds in self-directed IRA’s can be one the most lucrative ways to invest for your retirement. Self directed IRAs open all kinds of possibilities. The stock market has, on average, only returned 8%, but many older Americans would be eternally grateful if their funds in the stock market did return 8% over the past few years. Many of us lost 50% of our retirement money in mutual funds and stocks. Needless to say that investing retirement savings in the market is quite risky. It is fair to say that investing in real property is and has been the best, most secure, high yielding investment compared to stocks, mutual funds or other popular investment options.

In the past few years property values have taken a hit with the bursting of the so called real estate bubble. This is not necessarily a bad thing for investors. Housing prices are down, banks are wary of providing investor loans (remember the “Liar Loans”) and great values are present everywhere with the rash of foreclosures. This creates a great opportunity to invest in real estate mortgages. By becoming the “bank” for investors, you can receive far better returns loaning money to investors with real estate as collateral. Yields of 10% to 14% are common.

These loans, secured by real estate, can be accomplished easily through private investment firms that assemble assets from individuals and make short term loans to investors to purchase and repair properties that are available inexpensively primarily due to foreclosures. These firms have established criteria for qualifying prospective borrowers and for reviewing the security of the investment property. They monitor property values, the costs of repairs and provide a certain percentage of the value of the fixed up property to the investors to purchase and repair the houses. An example of a firm that provides these types of loans in Denver, Colorado is

The Pine Financial Group. You may visit their website by clicking IRA investing. By being involved with a private investment firm you can achieve the security of real estate backed investments without being involved in picking out specific properties to purchase, repair and sell. All of which requires specific knowledge in real estate investing. This way you get the benefit of real estate security without messing with “tenants and toilets”.

I would not suggest putting your entire retirement fund into real estate, but it is a great alternative to being completely invested in the stock market and being subject to its daily volatility. Be aware of your alternatives for self-directed IRA investing and retirement funds. Don’t put all your eggs in any one basket, and understand the vehicles in which you are investing. Invest in what you know, not what some adviser tells you to purchase.

Resort Villa Vacation

How about sipping a pina-colada at a sun-kissed beach in Miami this weekend? Resort villas can make it possible. The most desired locations to visit for an excellent holidaying experience, the Resort villa vacations are sought after the most when it comes to taking a pleasant trip to a great holidaying spot!

Placed in far off hilly areas or distant locations distancing them from metro areas, the Resorts play with the quality of silence when it comes to holidaying with your dear ones. And with a peaceful aura around, the Villas provide great services that would surely set the mood right for a marvelous trip. With an envelope of greenery that encompasses the entire villa area, with great views of mountains or beaches from your rooms, these resorts have an ambiance that eases your mind in its own way.

Resort villa vacation areas also shower you with luxuries like spas, swimming pools, gaming areas, lounges and stylish dining areas that ensure a divine experience. You could have a pleasant romantic candle lit dinner and later take a walk on the beach with your spouse while the moon shines a light for the two of you. If you are accompanied by friends you can head to a nearby club to dance the night away. So, either way, you can assure yourself of having an amazing evening ahead of you!

Resort villa vacations include packages that are bound to draw your attention. So why don’t you get your booking done right away!

Florida Beach Resorts and Vacation Rentals – Discovering Sanibel Island

One of the most well-known locations for a sub-tropical vacation is Sanibel Island. Florida beach resorts and vacation rentals conveniently place you in the midst of many different recreational activities that can get you moving, show you a new side of the island, or create the perfect opportunity to relax. You can fill your days with an assortment of different activities, or you can find your favorites and enjoy them at leisure.


Since most of the Florida beach resorts and vacation rentals are right along the beach, shelling is a beloved local activity that is actually more like an art form. You can enjoy the leisurely stroll, the soft grumbling of the ocean, and the beautiful scenery. Right before sunset or right after sunrise provides you with the perfect opportunity to enjoy the many colors as well as the ‘shell hunting’. For the best opportunity, go out after a storm or at low tide. Sand dollars and many other secret treasures wait.


If you want to cover more of the sights with a little less sand, a bike can be the ideal solution and a great way to wear off the effects of the area’s fine dining. The many paths make certain you don’t miss out on Sanibel Island’s best sites. There are several businesses in the area that allow you to rent bikes and even equipment for the beach in case you would like to stop along the way. Better yet, plan a quiet picnic at the water’s edge. Children are no obstacle either; jogging strollers and other equipment is also available.


Close to many of the Florida beach resorts and vacation rentals are fantastic golfing opportunities. Not only can you take in the area’s scenes and the sounds of the ocean, but you get to try your hand at beautifully designed courses. Several of them in the area also offer fantastic tennis courts for a different style of competition. Either way, you won’t be disappointed.

Marinas and Cruises

What would a stay at Florida beach resorts and vacation rentals be without a day out on the water? With guided cruises of the area, you can learn the history of the area as you enjoy your time on the water. For something a little different, consider a private charter and see the area exactly the way you want to with a customized, private tour. (Don’t forget to ask about Sanibel Island’s Lighthouse!)

While you are out on the water, you might want to try your hand at catching some of the local aquatic life. Whether you are a seasoned fisherperson or have never tried it in your life, you can still head out and attempt to catch a shark or one of the other species.

Sanibel Island holds some of the finest Florida beach resorts and vacation rentals conveniently located close to the area’s fantastic array of activities. It’s the ideal opportunity to make this holiday a vacation to remember.