Archive for November 2015

Investment Funds

The are to many people an effective source of income. But how do you know what is best for you?, Then we will see the pros and cons of investment funds. Pros: They are professionally managed: mutual funds are managed by professional institutions, with trained staff to guide you and to inform the monitoring and market performance. Have diversification: this means that if you have the opportunity to invest in more than one type of fund, then the gain will be much higher. Lower Cost of Entry: the entry to the stock market is declining, now you can enter with amounts from $ 1,000, $ 5,000 or $ 10,000. Minimum Follow-up: both the institution where your money is invested and distributors, is required to issue reports to help you know how are your numbers. Cons: Equity Risk: the risk normally the amount you invest is equal to the amount you might win.

This is why we say you should invest more to earn more, although there is also the possibility of losing. Diversify Dilute: often by diversifying investment opportunities there may also dilute profits. This happens when a company is successful and it is won, another may not be as successful and you lose. Lack of Control: the investment funds is the investor who decides what items to buy, if it is an investment company which is carried out. Costs: It is advisable to assess the cost in terms of commissions and fees, as the institutions charge for driving this investment. The best way to decide about investing in a mutual fund, in which, what kind of suits me, and so on., Is to be well informed about the entire context that surrounds them.


Rapid assessment of investments from a series of articles "Simple economics" Simple method of estimating the rate of profit investments, which will be discussed below, is one of the oldest and most widely used before how the concept of discounting proceeds and costs gained universal recognition as the primary method of obtaining accurate estimates of investment (economic feasibility, and development feasibility studies, examination investment projects). Nevertheless, in due to the simplicity and illustrative, this method is widely applicable, but also applies in most cases, for rapid assessment of investments in the initial stages (the examination investment projects, economic feasibility, development, feasibility studies). Operational profit margins estimated average profit ratio (PN / 2) over the life of the project on the size of the investment (IC), provided that at the end of term implementation of the project analyzed all the capital costs will be written off, with a residual value (RV), it must be excluded. arr = pn / 2 (IC – RV) interpretative meaning of the simple rate of return is to analyze what kind of part of the investment cost comes in the form of profits within a range of planning. Comparing the estimated size of the simple rate of return with minimum or moderate level of projected profitability, the potential an investor can come to a preliminary conclusion about the need (economic feasibility, development feasibility studies, examination of investment projects). The terms of the main disadvantages of the operational rate of return: – ignoring fact that the value of money over time – the ambiguity of the choice of initial values of profit and investment payments in case of uneven distribution of cash flows during the study period of the project. Preference use of such a rough way, what is the assessment of the operational profit margin can be justified solely in terms of ease of computation, which determines the use of this indicator in the practice, the simplicity of the calculation is the main and only advantage of this indicator.

Venture Investment

'Venture Investment – it is highly risky instrument with potential for high returns. On the one hand, it gives a high yield of magnitude, while the other – has low liquidity. Low liquidity due to both objective and subjective reasons Clients is not recommended to invest in venture funds for more than 5% of their portfolio "Simply put: win may exceed your expectations, but at a very low probability of receiving it. If you serious about your financial health, then the choice of the company belongs to, how to choose a doctor: If you need a doctor, to whom you refer? To mediocrity specialist without specific achievements to the doctor with a large experience and impeccable reputation, or to an unknown novice with no experience, but who swore to complete healing by using its revolutionary super-duper techniques. I think the answer to the responsible person obvious.

As figuratively a former pilot: 'When we were talking about the possibility of network marketing, we had a feeling that before long we wandered through the woods and now we have brought to the airfield. And on the field are different planes, that allow people to get off the ground. Naturally, we chose the largest and most beautiful airplane. " Now another point. After selecting a company should take a responsible approach to the choice of the sponsor (sponsor line). On who and how You will be helping not only depends on your start, but in many ways, and overall success. It's like when training for driving courses: an organization, and instructors are different. Therefore, once your potential sponsor will tell you about Company, product and about how much you can get in this "great company under his strict guidance, give it 2 more questions: Whom you will need to be to get as much as he (the sponsor) will be able to help you with this So, if you have confidence in the relevance product company reliability, ethics and competence Compensation Plan sponsor, is left to decide the latter question – personal. Are you ready to act and invest your time? If you are ready – then act!

Executive Invest

"Ever wondered why your account executive is not a millionaire? Is not he or she who advises where to invest your money? We recently learned of a close relative who had come back five years ago to account executive at a bank in the United States, he wanted to invest a sum of money in stocks and mutual funds safe. Account Executive advised some actions in a highly volatile sector fell sharply, as often happens in areas of greatest risk. The mutual fund "safe" barely rose in value in a market that was on the rise and then fell sharply when the market declined. So there was not more security …. The end result: loss of a significant amount of investment. The lesson learned: do not let others choose an investment vehicle for you! Take time to educate yourself so you can choose yourself.

WDDanko TJStanley and made an interesting study of the habits of millionaires in the U.S.. You can read the results obtained in his famous book "The Millionaire Next Door." Among many other amazing data, found that the millionaires have a habit of investing much more time managing and investing their money than the average person. In other words, they are constantly aware of what happens to their money and plan thoroughly what they're doing with him in the future. Therefore, if you want to get out of the lot will have to do things differently to the average person who just take the time to balance your checkbook. Most people do not invest enough time and money for education in the area of finance before going to invest. So the word "investment" has a connotation of risk and uncertainty. It need not be. Although it is impossible to completely eliminate the risk factor in any investment, it is feasible to measure and reduce it.


I remember a few months ago a good friend of mine was driving his vehicle in the early hours of the morning after leaving a nightclub in the city. At that time it is normal that the streets are desolate and therefore ventured to cross a red light, but to his surprise came out of nowhere another car sending him a huge impact on the corner of a shop nearby. The next day I learned of the accident, I called to ask how she was and what I said was, “Thank God nothing happened !…. Also the car was insured.” It seems that when it comes to vehicles, people are very much in agreement to buy insurance. This is because no matter how good conductor is a person, there is always a very high risk of an accident either negligence or self-employment. Normally most people consider their home and their vehicle as their most precious investment, which is why the vast majority are inclined to purchase insurance to protect those investments.

In my view buying insurance is a wise decision, not only because it is protected, but because you can sleep peacefully. Did you buy insurance for their actions in the bag?. Ensuring its shares on the stock culture of insurance Although applies very well for tangible goods is apparently not so popular when it comes to stock market investments. Most people buy shares on the stock without knowing that there is an insurance policy that can protect against the fall in markets, in other words the vast majority of street investors place their money in short positions.


You can draw an analogy with the harvest. In any case, the owner of a good kind of harvest leaves for the next year, so that was what to plant in spring. But too much of the resulting crop is spreads, but so that the spring once lived. And if the harvest was excellent, everything will be fine – and the crops will be and will always be covered with a table. And if you turned a bad year, bad, then not all eat and not leave the reserves, because the next harvest will not be or will be a little bit. In this case it is particularly important to maintain reserves for future cultivation of the crop, even forced to have to stay hungry now. Yes You can go on to another road – eat everything, to hire more skilled to a neighbor than you would get for their work some money.

But the problem is that most hard-working period is limited to age. And the profit from working at his uncle usually have some limits. As a result, this road will lead to what we are seeing now is very often – people karyazhitsya to the last, in fear get the ax, because the current pension gives a bleak existence, but in no way deserved rest somewhere in the tropics. But working people are also engaged in a kind of investment. They invested their labor and time in his retirement, when get to live on income from her rest.

Unfortunately, as this sometimes happens, the contributions have not been promising, and our state – a very bad subject for this kind of investment. Hence, it turns out that we should not engage in investing? Naturally, no! Save money and invest – the overriding objective of the road to financial independence and freedom. But to do this process to some purpose in life, deprived themselves, if only podnakopit more money, not worth it! Money – it's just a tool to help implement their plans and fantasy purposes. So, be out of their money to make a pleasant process. Behold, I have been using a simple rule "Pay yourself first." Upon receipt of any income of a small immediately have put an investment account (I use the stock). The remnants can live almost exactly the same. To charm, to settle in at home in the accounting department where I see how the expense is added. Thus, investment look like transfer from one account to another, and feeling a lack of money away from you almost do not have. Quite the contrary – warms the soul, that koltchestvo money in the investment account is constantly updated. And do not deny yourself everything, saving each penny. Life is once, and it should be so, then to not be unpleasant. Live life to the fullest and remember myself. Good investment!

Employment Investment

Companies investing in the energy sector are eligible for additional tax cuts, depending on the percent of investment. Investment Scheme for energy saving is relevant only for the equipment, which coincides with the special requirements for performance (SAC) of energy. These requirements, as well as equipment that falls under the jurisdiction of the investment scheme, introduced in 2007 List of Energy, which is reviewed annually. Farba aim of this scheme – to encourage investment in improved working conditions. Incentive of the subsidy – a reimbursement for equipment that improves working conditions.

The scheme applies only to equipment that is included in the list of Farben, which is published by the Ministry of Social Affairs and Employment. List updated annually and published, it includes equipment which: reduces or prevents contact with hazardous substances, reduces or prevents exposure to noise, reduces or prevents physical load. BBMKB Purpose Plans Warranties lending to small and medium businesses – to promote credit support of small and medium businesses. The scheme was designed for companies with a maximum of 100 jobs and it is used even the most experienced entrepreneurs. If the employer can not provide sufficient guarantees for a bank loan or to provide documents proving the availability of collateral, the bank may apply in BBMKB for the necessary guarantees. Then the government under certain conditions will give the necessary guarantees on the part of the loan. This reduces the risk of the bank and increases the client’s creditworthiness.

KIA declining investment in The equipment gives the entrepreneur the right to decline investment in production equipment (in 2007, this reduction exceeded 2100 euro). You invest in equipment that you buy it. Decrease in Investments Equipment is only valid in the year of purchase of equipment.

Baltric Index

The three purchases I recommend you make are DRYS Dec 8 Calls (OOCLH), Jan 9 DRYS Calls (OOCAI) and finally EXM March 8 Calls (EKNCH). The first two would have to triple their money without problems while the latter is not as safe as the other two triple your money but if you double it. These options do not yet made their most positive movement, so we have time to climb the ship of these three transactions. Transporting stock to explode. Blatric Dry Index tracks all the international prices on shipping charges in different amounts and can be taken as a Pointer on the global demand for these commodities. Besides the strong growth of Baltric Index shows that it is forming an opportunity to invest in commodities. This index also behaves as a kind of thermometer on the industry, allowing us to also know are behaving as stocks in the sector.

Beyond the index had its ups and downs for months ago, now is growing continuously which this makes them think they form a rally in this sector. This genre and growth rate of 25%, adding 11 days ago had no ups and downs, but grew in each session. The index is threatening to break once again and continue its bullish path. As we discuss this index is a good indicator of how actions are related to sector. To be to break again this includes some interesting movements com actions which I am recommending them. The actions of this sector are at the ideal time to generate an extra 10% in intraday movements as they did in the past when the BDI index figure was shown as now. Time to put these purchases. The three call options I recommend are still very good opportunities to triple your money.

1) Dec 8 DRYS Calls (OOCLH) is currently trading at 55 cents, but if you invest now would be tripling their money. 2) Jan 9 DRYS Calls (OOCAI) also being traded at 55 cents and are offering very good returns for their money. Investors institutions are taking a stand on purchase these options. 3) EXM March 8 Calls (EKNCH): These options are traded at $ 1.05, having to double your money if you invest. So the smart money is positioning in these options as well. Do not miss this opportunity are to provide these options at any time.