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Friday, January 28, 2011
Going for Mortgage Refinancing – Keep Seven Things in Mind
After evaluating these factors just go for refinancing to get a new and better loan
If we speak about most popular and ever growing loan type in Australia's Home Loan marketplace – It is Home Loan Refinancing, as there are some apparent benefits for you in some shape or form. But you should know the seven basics while opting for it.
First of the seven things you should know: Why to refinance?
• Simply explained as it allows a lower mortgage interest rate on the new loan, which claims profit of having lower monthly paying back thereafter, rather than putting up with the higher interest rate on an existing loan
Next or second one is find out the best time to seek out mortgage refinancing as an option?
• Refinancing is a doable option during prevailing low mortgage interest rates
Here comes the third one: How does credit rating persuades your refinancing loan application? Is there some room for a bad credit rating?
• A mortgage lender keeps reliable basis of your credit character and your capacity to please your obligations by the data outlined in your credit report • Your credit rating determines approval or decline of your mortgage refinancing application so try to keep your credit score satisfactory • Bad credit score doesn’t finish off the things, but in that case mortgage refinancing will be available on a higher interest rate • On the other hand improved credit rating ensures your access to types of loan with lower interest rates
Know the fourth one, what role does home equity play? Is it a determinant factor for mortgage refinancing?
• Mortgage refinancing always hasten the building up of your home equity, as earlier your home loan is satisfied, the earlier you build on your equity • Obvious reasons are there due to which home equity is an important aspect in taking out of mortgage refinancing, and hence appraised value of your property is determined against your outstanding debt
Who are eligible for mortgage refinancing loans? – Is the fifth one
• Refinancing is favorable to those who intend to stay longer in their present homes, and thus a thorough analysis of your future plans is encouraged • Similar to other financial curriculum, your eligibility is determined by your income, value of your property, status of your current loan and other relevant information.
Sixth one is to know, what are the basic requirements?
• All required for refinancing is same as the requirements for your original loan which include filling out of a loan application, report on the value of your property, and a credit report proving your credit history
At the last but not the least, how much cost does refinancing entail?
• Basic fees such as application fee, insurance fees, appraisal costs, legal fees (If required) and other relevant fees whichever is applicable are entailed while refinancing
• The final fee to close the original loan is also borne by the borrower
After evaluating these factors just go for refinancing to get a new and better loan
If we speak about most popular and ever growing loan type in Australia's Home Loan marketplace – It is Home Loan Refinancing, as there are some apparent benefits for you in some shape or form. But you should know the seven basics while opting for it.
First of the seven things you should know: Why to refinance?
• Simply explained as it allows a lower mortgage interest rate on the new loan, which claims profit of having lower monthly paying back thereafter, rather than putting up with the higher interest rate on an existing loan
Next or second one is find out the best time to seek out mortgage refinancing as an option?
• Refinancing is a doable option during prevailing low mortgage interest rates
Here comes the third one: How does credit rating persuades your refinancing loan application? Is there some room for a bad credit rating?
• A mortgage lender keeps reliable basis of your credit character and your capacity to please your obligations by the data outlined in your credit report • Your credit rating determines approval or decline of your mortgage refinancing application so try to keep your credit score satisfactory • Bad credit score doesn’t finish off the things, but in that case mortgage refinancing will be available on a higher interest rate • On the other hand improved credit rating ensures your access to types of loan with lower interest rates
Know the fourth one, what role does home equity play? Is it a determinant factor for mortgage refinancing?
• Mortgage refinancing always hasten the building up of your home equity, as earlier your home loan is satisfied, the earlier you build on your equity • Obvious reasons are there due to which home equity is an important aspect in taking out of mortgage refinancing, and hence appraised value of your property is determined against your outstanding debt
Who are eligible for mortgage refinancing loans? – Is the fifth one
• Refinancing is favorable to those who intend to stay longer in their present homes, and thus a thorough analysis of your future plans is encouraged • Similar to other financial curriculum, your eligibility is determined by your income, value of your property, status of your current loan and other relevant information.
Sixth one is to know, what are the basic requirements?
• All required for refinancing is same as the requirements for your original loan which include filling out of a loan application, report on the value of your property, and a credit report proving your credit history
At the last but not the least, how much cost does refinancing entail?
• Basic fees such as application fee, insurance fees, appraisal costs, legal fees (If required) and other relevant fees whichever is applicable are entailed while refinancing
• The final fee to close the original loan is also borne by the borrower
Forex Trading Programs
Forex trading programs
Are you planning to invest your money in forex trading? But scared of losing money because of the lack of experience and also due to some knowledge in this field? Well, technology has made it possible for a beginner to earn profits in the currency trading market! Yes, it is possible by means of various forex trading programs available in the market.
For a beginner the terms and the language used in the trade might sound like Greek and Latin. But everything is taken care by forex trading programs as they are very user friendly and easy to use. You do not need to be a forex expert or a computer master to use them. You can directly install the software into your system, set it up and it would start the trading process automatically. These forex trading programs are also known as forex software and they are fully automated to carry on the trading activities. Most of the successful traders use forex trading programs for trading.
Forex trading programs find out the best trading options for you automatically and make the trades as well. The software does a careful study of back tests based on which it conducts forward trading deals. Some software come with a video about the setting up of the software to your computer and also guided about its different options.
There are a few things to look at in a forex trading program
The Charts
You cannot be spending hours before your computer screen trying to fix on trading strategies by studying the charts made by currency fluctuation of the currencies. Rather you can look out for a forex trading program that does the study of the currency fluctuations and gives you indicators based on which you can make your trading deals.
Pricing Indicators
Pricing indicators are very important when it comes in carrying out any study on the currency fluctuations based on which trade deals are carried out. By having pricing indicators in the software you can easily see where the trend is going to.
Trading Safeguards
The safeguards in the software would help you know when to invest money and when not to. By this way you can reduce the possibility of losses. Many beginners invest a lot of money when the markets are actually low and end up losing money. Safeguards would ensure that you avoid such situations.
Exit Strategy
Knowing exit strategies is as important as knowing entry strategies. Entry strategies lets you start the trades and exit strategies decide when to stop the trade and withdraw your money. A forex trading program would indicate you when to exit from the trade and at the same time would indicate which trade to enter.
Automated Trading Ability
Some of the forex trading programs allow you to input your trading strategies and according to the mentioned parameters the trade is then automated
Availability of number of Currency Pairings
Ensure that your forex trading program not only has the major currency pairings but it also offers a wide range of currency pairing.
Forex trading programs
Are you planning to invest your money in forex trading? But scared of losing money because of the lack of experience and also due to some knowledge in this field? Well, technology has made it possible for a beginner to earn profits in the currency trading market! Yes, it is possible by means of various forex trading programs available in the market.
For a beginner the terms and the language used in the trade might sound like Greek and Latin. But everything is taken care by forex trading programs as they are very user friendly and easy to use. You do not need to be a forex expert or a computer master to use them. You can directly install the software into your system, set it up and it would start the trading process automatically. These forex trading programs are also known as forex software and they are fully automated to carry on the trading activities. Most of the successful traders use forex trading programs for trading.
Forex trading programs find out the best trading options for you automatically and make the trades as well. The software does a careful study of back tests based on which it conducts forward trading deals. Some software come with a video about the setting up of the software to your computer and also guided about its different options.
There are a few things to look at in a forex trading program
The Charts
You cannot be spending hours before your computer screen trying to fix on trading strategies by studying the charts made by currency fluctuation of the currencies. Rather you can look out for a forex trading program that does the study of the currency fluctuations and gives you indicators based on which you can make your trading deals.
Pricing Indicators
Pricing indicators are very important when it comes in carrying out any study on the currency fluctuations based on which trade deals are carried out. By having pricing indicators in the software you can easily see where the trend is going to.
Trading Safeguards
The safeguards in the software would help you know when to invest money and when not to. By this way you can reduce the possibility of losses. Many beginners invest a lot of money when the markets are actually low and end up losing money. Safeguards would ensure that you avoid such situations.
Exit Strategy
Knowing exit strategies is as important as knowing entry strategies. Entry strategies lets you start the trades and exit strategies decide when to stop the trade and withdraw your money. A forex trading program would indicate you when to exit from the trade and at the same time would indicate which trade to enter.
Automated Trading Ability
Some of the forex trading programs allow you to input your trading strategies and according to the mentioned parameters the trade is then automated
Availability of number of Currency Pairings
Ensure that your forex trading program not only has the major currency pairings but it also offers a wide range of currency pairing.
Investment banking services to simplify wealth management
Simply put, an investment bank is a financial institution that helps people and organisations make sound decisions for their money. It offers custom portfolios and advisory solutions for governments, corporate institutions, family based businesses, retail investors, etc.
Investment banks are different from retail or commercial banks. They do not accept funds as deposits. Their sole purpose is to offer investment services to those who either don’t have the time and skill to research investment ideas and even for some who simply don’t want to bother managing their funds on a regular basis.
Investing is also a much disciplined art and one cannot go about it without having enough knowledge of it. Also, it is sometimes difficult for an uninformed investor to make profits without taking adequate risks. That is why, there are several banks offering varying investment services which deal in capital markets, debt funds, derivatives, etc. Investment banks help investors make informed decisions on managing their wealth based upon their earnings and goals.
Investment banks have dedicated portfolio managers, who invest funds in a diversified manner so that it is balanced with equal weightage given to each instrument. This ensures that the customer’s portfolio is balanced and the dip in one sector or instrument does not affect the earnings made on that portfolio.
Investment banking is not limited to investment banks. Commercial and retail banks too have recently started offering investment services but it is the investment banks that are still holding their own. Investment services are based primarily upon the need and risk appetite of the individual investor. There are services which are asset based, structure based, based on capital market & derivatives, and advisory services. A few of these services are for institutions and larger funds while the retail investor mostly looks at capital market based or advisory services.
For the retail investor, the relationship manager of the bank is their one point of contact for all their investment decisions and banking advice. A relationship manager often advises based on the customer’s exact needs and the risk appetite. The kind of portfolios that a relationship manager will advise will also depend upon other important factors such as the time horizon of the investment, the type of instrument they are interested in investing in, etc. Investing, however, is an art. So, go about it only in an informed manner. And if you desire better and consistent results, professionals are always there to guide you, who research extensively to come up with a suitable plan or investment ideas that suit your needs aptly.
Simply put, an investment bank is a financial institution that helps people and organisations make sound decisions for their money. It offers custom portfolios and advisory solutions for governments, corporate institutions, family based businesses, retail investors, etc.
Investment banks are different from retail or commercial banks. They do not accept funds as deposits. Their sole purpose is to offer investment services to those who either don’t have the time and skill to research investment ideas and even for some who simply don’t want to bother managing their funds on a regular basis.
Investing is also a much disciplined art and one cannot go about it without having enough knowledge of it. Also, it is sometimes difficult for an uninformed investor to make profits without taking adequate risks. That is why, there are several banks offering varying investment services which deal in capital markets, debt funds, derivatives, etc. Investment banks help investors make informed decisions on managing their wealth based upon their earnings and goals.
Investment banks have dedicated portfolio managers, who invest funds in a diversified manner so that it is balanced with equal weightage given to each instrument. This ensures that the customer’s portfolio is balanced and the dip in one sector or instrument does not affect the earnings made on that portfolio.
Investment banking is not limited to investment banks. Commercial and retail banks too have recently started offering investment services but it is the investment banks that are still holding their own. Investment services are based primarily upon the need and risk appetite of the individual investor. There are services which are asset based, structure based, based on capital market & derivatives, and advisory services. A few of these services are for institutions and larger funds while the retail investor mostly looks at capital market based or advisory services.
For the retail investor, the relationship manager of the bank is their one point of contact for all their investment decisions and banking advice. A relationship manager often advises based on the customer’s exact needs and the risk appetite. The kind of portfolios that a relationship manager will advise will also depend upon other important factors such as the time horizon of the investment, the type of instrument they are interested in investing in, etc. Investing, however, is an art. So, go about it only in an informed manner. And if you desire better and consistent results, professionals are always there to guide you, who research extensively to come up with a suitable plan or investment ideas that suit your needs aptly.
Automated forex signals - Secret Behind your Success!!
Automated forex signals - Secret Behind your Success!!
There are a lot of people having the desire to earn some extra cash in these hard economic times. Many of them have the view that one has to reduce then expenses and invest wisely, but certainly some other think this as the time to get good stocks at a cheaper rate! Well, whatever the case be; apart from the luck factor if you are not equipped well and don’t play your cards right, you tend to lose in the market. Successful money making from the market can change your lives in the matter of seconds.
Most of the successful traders make use of automated forex signals. This article will give you an insight of how to use these automated forex signals starting from the scratch and learning the basics of the industry to seamlessly conduct trades to pull money out of the market. The Basics of Trading – This is about knowing the industry. Pick up a book, or search online about the forex market. However do not spend a great deal of time and money; rather you just have to concentrate on the terms. Capitalize and understand the terminologies such as PIPS, buying and selling concepts. Try and understand the charts and try to make market moves out of them. Also be aware of the market timings and currency pairs. The market is very sensitive to all of the latest news so it is of utmost importance that you keep yourself updated about the political and socio economic news from around the world. Any positive or negative news greatly affects the market and it can be clearly seen on the trends of the currencies. A Trading Account – To open a trading account you must chose the right broker. You can also do an online research of the various brokers out there, have a look at the offerings and services and chose which suits you the best. The main aspects to look for when you are fixing on a broker are – Search for a broker who has practice account The broker has small deposit requirements And one who has micro or mini lot sizes
Do not use the broking services if they do not offer these services. Automated Forex Signals – The next step would be of having your own automated forex signal software. It would be in your best interest not to blindly trade according to the software. The software provides you with the signals which make the opportunities for you to make money out of the market. But you have to decide whether the signals are actually profitable. Once you have tested the software and it works fine for you, then you can even have 24/7 trading, even while you are sleeping. But it is always advised to have some kind of human factor involved in the trading. Do not depend completely on the software and keep learning about the market. Knowledge about the market is the actual key to your success. Test phase – While in the initial stages you would need to test the machine with a demo account and pretend money, you need to be patient in understanding the software. It is always advisable to go for a company which provides you with all the technical assistance post purchase.
Automated forex signals - Secret Behind your Success!!
There are a lot of people having the desire to earn some extra cash in these hard economic times. Many of them have the view that one has to reduce then expenses and invest wisely, but certainly some other think this as the time to get good stocks at a cheaper rate! Well, whatever the case be; apart from the luck factor if you are not equipped well and don’t play your cards right, you tend to lose in the market. Successful money making from the market can change your lives in the matter of seconds.
Most of the successful traders make use of automated forex signals. This article will give you an insight of how to use these automated forex signals starting from the scratch and learning the basics of the industry to seamlessly conduct trades to pull money out of the market. The Basics of Trading – This is about knowing the industry. Pick up a book, or search online about the forex market. However do not spend a great deal of time and money; rather you just have to concentrate on the terms. Capitalize and understand the terminologies such as PIPS, buying and selling concepts. Try and understand the charts and try to make market moves out of them. Also be aware of the market timings and currency pairs. The market is very sensitive to all of the latest news so it is of utmost importance that you keep yourself updated about the political and socio economic news from around the world. Any positive or negative news greatly affects the market and it can be clearly seen on the trends of the currencies. A Trading Account – To open a trading account you must chose the right broker. You can also do an online research of the various brokers out there, have a look at the offerings and services and chose which suits you the best. The main aspects to look for when you are fixing on a broker are – Search for a broker who has practice account The broker has small deposit requirements And one who has micro or mini lot sizes
Do not use the broking services if they do not offer these services. Automated Forex Signals – The next step would be of having your own automated forex signal software. It would be in your best interest not to blindly trade according to the software. The software provides you with the signals which make the opportunities for you to make money out of the market. But you have to decide whether the signals are actually profitable. Once you have tested the software and it works fine for you, then you can even have 24/7 trading, even while you are sleeping. But it is always advised to have some kind of human factor involved in the trading. Do not depend completely on the software and keep learning about the market. Knowledge about the market is the actual key to your success. Test phase – While in the initial stages you would need to test the machine with a demo account and pretend money, you need to be patient in understanding the software. It is always advisable to go for a company which provides you with all the technical assistance post purchase.
Tuesday, January 25, 2011
Creating Wealth With Mutual Funds
For ten years or more, U.S. investors in increasing numbers have depended on mutual funds to save for their retirement plans, creating wealth and other financial objectives. Mutual funds offer the benefit of diversification along with professional management. Diversification is obtained within the Mutual Fund. The fund manager buys and sells individual stocks from a variety of different market sectors thus diversifying the holdings within the fund. When you invest in mutual funds, as with other investments you are also taking a risk. For mutual funds, however, these risks are reduced by the diversification within the fund. As individual stocks may have large fluctuations in their value, the mutual fund helps smooth out these fluctuations by holding several different stocks from different market sectors.
Wise investors understand that there are ups and downs when investing in mutual funds. It is important to choose a mutual fund product that will match your financial goals against your tolerance for risk. Before investing in a mutual fund, obtain a copy of the funds prospectus and review the investment strategy and market sectors it invests in. If you are comfortable with where and how they invest, this fund may be a good match for you. On the other hand, if you are not comfortable, save yourself the anxiety and find a different fund. There are hundreds of funds to choose from and choosing one that fits you can give you that piece of mind down the road.
Fees along with taxes will reduce the return on a mutual fund investment. Most mutual funds carry some kind of fee sometimes call a load. This is the fee to cover the fund management expenses. Many mutual funds are no load. They do not charge a percentage to invest like the loaded funds do, but there are still fees involved. The fees are calculated and taken from the returns before distribution to the shareholders/investors. However the fees are collected, they are necessary for the fund to operate. The fund managers are under tremendous pressure to ensure the fund has a good rate of return and they are paid very well to take on this responsibility.
A mutual fund is a company that collects and pools money from various investors and invests the revenue or money into short-term money-market instruments, stocks, bonds, and other assets or securities. The collective holdings a mutual fund owns is referred to as a portfolio. When you invest in a mutual fund, you are investing in a portion of the funds portfolio. Each share identifies an investors proportionate ownership in the funds holdings and the revenue those holdings have generated. Go to this site to increase your knowledge on investing.
Listed below are some traditional and distinguishing character traits of mutual funds:
* When investors buy mutual fund shares, they buy from the fund or from a stockbroker not from other investors on a secondary market, like the Nasdaq Stock Market or New York Stock Exchange.
* The amount the investor pays for mutual fund shares is the fund per share net asset value or NAV combined with any shareholder fees that the fund may charge at the time of acquisition (like sales loads).
* Mutual fund shares can be redeemed which means that investors can sell their shares back to the fund, who produce and sell new shares to sell to new investors. Mutual funds sell their shares continuously. Some mutual funds do stop selling shares when the fund gets to be too large.
* The investment portfolios of mutual funds are generally managed by investment advisors, which are separate entities.
Mutual funds seem to be a favorite investment instrument in both 401ks and IRAs. 401ks usually offer a variety of funds to choose from and are selected based on the level of implied risk associated with the investment strategy. You simply choose your level of risk comfort and invest in the fund that is offered at that level. Many allow you choose more than one fund and to reallocate your investments at various times throughout the year. Check with you particular 401k to see what the rules are.
Investors like mutual funds for IRAs because there is little to keep track of once the fund is selected. Changes are rarely made to this type of long-term investment and investors may only check the funds performance once or twice a year. Whatever your investment goals, a good portfolio usually involves diversified investments such as stocks, bonds and mutual funds.
Creating wealth for you and your family means providing your family with an in-depth financial education that includes learning about stocks, bonds mutual funds and more. Children should be taught about financial products as soon as possible. Hopefully your plan for creating wealth includes family meetings where finances are discussed and decisions are made. Click here for additional information on financial education for you and your family.
Investing does involve risk but, with knowledge, that risk can be managed. The greatest risk is the lack of knowledge.
For ten years or more, U.S. investors in increasing numbers have depended on mutual funds to save for their retirement plans, creating wealth and other financial objectives. Mutual funds offer the benefit of diversification along with professional management. Diversification is obtained within the Mutual Fund. The fund manager buys and sells individual stocks from a variety of different market sectors thus diversifying the holdings within the fund. When you invest in mutual funds, as with other investments you are also taking a risk. For mutual funds, however, these risks are reduced by the diversification within the fund. As individual stocks may have large fluctuations in their value, the mutual fund helps smooth out these fluctuations by holding several different stocks from different market sectors.
Wise investors understand that there are ups and downs when investing in mutual funds. It is important to choose a mutual fund product that will match your financial goals against your tolerance for risk. Before investing in a mutual fund, obtain a copy of the funds prospectus and review the investment strategy and market sectors it invests in. If you are comfortable with where and how they invest, this fund may be a good match for you. On the other hand, if you are not comfortable, save yourself the anxiety and find a different fund. There are hundreds of funds to choose from and choosing one that fits you can give you that piece of mind down the road.
Fees along with taxes will reduce the return on a mutual fund investment. Most mutual funds carry some kind of fee sometimes call a load. This is the fee to cover the fund management expenses. Many mutual funds are no load. They do not charge a percentage to invest like the loaded funds do, but there are still fees involved. The fees are calculated and taken from the returns before distribution to the shareholders/investors. However the fees are collected, they are necessary for the fund to operate. The fund managers are under tremendous pressure to ensure the fund has a good rate of return and they are paid very well to take on this responsibility.
A mutual fund is a company that collects and pools money from various investors and invests the revenue or money into short-term money-market instruments, stocks, bonds, and other assets or securities. The collective holdings a mutual fund owns is referred to as a portfolio. When you invest in a mutual fund, you are investing in a portion of the funds portfolio. Each share identifies an investors proportionate ownership in the funds holdings and the revenue those holdings have generated. Go to this site to increase your knowledge on investing.
Listed below are some traditional and distinguishing character traits of mutual funds:
* When investors buy mutual fund shares, they buy from the fund or from a stockbroker not from other investors on a secondary market, like the Nasdaq Stock Market or New York Stock Exchange.
* The amount the investor pays for mutual fund shares is the fund per share net asset value or NAV combined with any shareholder fees that the fund may charge at the time of acquisition (like sales loads).
* Mutual fund shares can be redeemed which means that investors can sell their shares back to the fund, who produce and sell new shares to sell to new investors. Mutual funds sell their shares continuously. Some mutual funds do stop selling shares when the fund gets to be too large.
* The investment portfolios of mutual funds are generally managed by investment advisors, which are separate entities.
Mutual funds seem to be a favorite investment instrument in both 401ks and IRAs. 401ks usually offer a variety of funds to choose from and are selected based on the level of implied risk associated with the investment strategy. You simply choose your level of risk comfort and invest in the fund that is offered at that level. Many allow you choose more than one fund and to reallocate your investments at various times throughout the year. Check with you particular 401k to see what the rules are.
Investors like mutual funds for IRAs because there is little to keep track of once the fund is selected. Changes are rarely made to this type of long-term investment and investors may only check the funds performance once or twice a year. Whatever your investment goals, a good portfolio usually involves diversified investments such as stocks, bonds and mutual funds.
Creating wealth for you and your family means providing your family with an in-depth financial education that includes learning about stocks, bonds mutual funds and more. Children should be taught about financial products as soon as possible. Hopefully your plan for creating wealth includes family meetings where finances are discussed and decisions are made. Click here for additional information on financial education for you and your family.
Investing does involve risk but, with knowledge, that risk can be managed. The greatest risk is the lack of knowledge.
Why I Don't Invest in Mutual Funds
For more than four decades Ive involved myself in investments, including stocks and bonds, real estate, mortgage lending, and variety of enterprises, some of them hard to describe. However, there is one endeavor that Ive systematically avoided. It is the mutual fund. At the risk of alienating the investment world, I offer the following observation: Mutual funds are not a particularly profitable way to invest. Let me share with you my biases on this subject.
As with most activities, what we get out generally relates to what we put in. Proficiency on the tennis court requires many hours of wielding a racquet. Mastery of an academic subject necessitates study. Similarly, to place your money for favorable return, you must familiarize yourself with the intricacies of each investment. For those of us who make this an active part of our lives, questions must be askedand astutely answered. If we fail to do so, bad things happen.
This brings us to reality. The fact is, a majority of persons are unable or unwilling to analyze investments. There is something in the human psyche that tends to discourage methodical scrutiny. The average individual prefers to broad-brush most subjects while accepting pronouncements. Thus, if a banker or a broker assures that an offering is acceptable, its accepted without deliberation. As implausible as it may seem, this is how most persons conduct their financial lives.
Its from this premise that the most powerful and profitable marketing tool of the securities industry developed. Since formation in 1924 of the first open-end investment company in the United States, known as the mutual fund, its acceptance by the public has grown to become universal. Quite simply, a mutual fund controls a pool of money provided by its shareholders that it invests in a portfolio of securities selected by the funds managers. In recent years they have proliferated like mushrooms, with over fifteen thousand registered funds in existence, and total assets now exceeding $10 trillion. They exist in near-infinite varieties offering almost every conceivable mix of securities. For the potential investor with both limited expertise and assets, this type of investment vehicle seems to meet two important criteria: astute selection of securities and advantageous portfolio diversification. Whatever else you may say about the mutual fund concept, one thing is undeniable: It truly captures the essence of the average citizens disdain for financial involvement. Each participant need only exhibit the astuteness demonstrated by loveable Sergeant Hans Schultz of the 1960s Hogans Heroes TV series, who regularly declared: I see nothing! I hear nothing! I know nothing! And in reality the mutual fund was designed so that only one involvement is required by the investor: contribution of money.
Though in theory the mutual fund meets the intended needs, theory and reality do not always coincide. Before describing my fundamental concerns, let me acknowledge that many mutual funds operate satisfactorily, and that large numbers of investors profited handsomely over recent years. Recognize, however, that these favorable results did not necessarily reflect the skill of the fund managers, but rather the consequence of a period during which the major indices posted their greatest sustained rises in history. There is no particular magic involved. These funds merely rise and fall with the general fortunes of the market.
When comparing the mutual funds against direct purchase of corporate stocks, the latter provides the better return. The reason is obvious. The additional overhead costs of the mutual fund operation must be superimposed on the investment. And dont imagine that these costs are insignificant. Over the years the industry has devised ways to separate the populace from its money. Most managed funds assess loads, which are commissions charged to the buyers that run as high as 8 percent of the purchase price. Although the conventional recommendation is to avoid the load in preference to the no-load funds, many of the no-load funds incorporate equally objectionable fees. These include redemption fees, often known as "back-end loads," to be paid when the shares are sold. A variation on the redemption fee is a deferred charge when shares are redeemed within a certain number of years, known as a deferred load. Another contrivance approved in 1980 by the Securities and Exchange Commission is known as the 12b-1 plan that permits a fund to confiscate up to 1 percent per year of the fund's assets for marketing purposes. At this rate, a participant in such a no-load fund over ten years contributes 12 percent of the investment in such fees. You may add to the list of undesirables those funds that debit portions of reinvested interest, dividends, and capital gains, known as reinvestment loads, as well as other less than obvious ways some no-load funds separate client from asset.
To be certain, the lowest management fees are those assessed by index funds, which are an assembled collection of securities whose composition mimics that of a particular market index, such as the Dow Jones Industrials or the Standard & Poor's 500. As investment analysis and decision-making is not required of the managers, no justification exists for a substantial fee. However, use of the index fund raises a fundamental question: What justification is there for a mix of securities often selected at random? Its my opinion that the index fund is the logical extension of the know-nothing canon. Not only need the investor disavow knowledge of anything financial, but the same rule pertains to management. An arbitrary set of index funds can then be designed and offered in which there ceases to be any responsibility for performance. Profitability for the fund operators becomes based solely upon the fees that can skimmed from the pot. In this way, the operation of an index fund becomes an exercise in pure marketing.
This gets us to the bottom line. For those of you unwilling to take part in the management of your assets, the mutual fund is your only optioninvestment by default. For others, who aspire to see their fortunes grow, there is a world of opportunity to be embraced.
For more than four decades Ive involved myself in investments, including stocks and bonds, real estate, mortgage lending, and variety of enterprises, some of them hard to describe. However, there is one endeavor that Ive systematically avoided. It is the mutual fund. At the risk of alienating the investment world, I offer the following observation: Mutual funds are not a particularly profitable way to invest. Let me share with you my biases on this subject.
As with most activities, what we get out generally relates to what we put in. Proficiency on the tennis court requires many hours of wielding a racquet. Mastery of an academic subject necessitates study. Similarly, to place your money for favorable return, you must familiarize yourself with the intricacies of each investment. For those of us who make this an active part of our lives, questions must be askedand astutely answered. If we fail to do so, bad things happen.
This brings us to reality. The fact is, a majority of persons are unable or unwilling to analyze investments. There is something in the human psyche that tends to discourage methodical scrutiny. The average individual prefers to broad-brush most subjects while accepting pronouncements. Thus, if a banker or a broker assures that an offering is acceptable, its accepted without deliberation. As implausible as it may seem, this is how most persons conduct their financial lives.
Its from this premise that the most powerful and profitable marketing tool of the securities industry developed. Since formation in 1924 of the first open-end investment company in the United States, known as the mutual fund, its acceptance by the public has grown to become universal. Quite simply, a mutual fund controls a pool of money provided by its shareholders that it invests in a portfolio of securities selected by the funds managers. In recent years they have proliferated like mushrooms, with over fifteen thousand registered funds in existence, and total assets now exceeding $10 trillion. They exist in near-infinite varieties offering almost every conceivable mix of securities. For the potential investor with both limited expertise and assets, this type of investment vehicle seems to meet two important criteria: astute selection of securities and advantageous portfolio diversification. Whatever else you may say about the mutual fund concept, one thing is undeniable: It truly captures the essence of the average citizens disdain for financial involvement. Each participant need only exhibit the astuteness demonstrated by loveable Sergeant Hans Schultz of the 1960s Hogans Heroes TV series, who regularly declared: I see nothing! I hear nothing! I know nothing! And in reality the mutual fund was designed so that only one involvement is required by the investor: contribution of money.
Though in theory the mutual fund meets the intended needs, theory and reality do not always coincide. Before describing my fundamental concerns, let me acknowledge that many mutual funds operate satisfactorily, and that large numbers of investors profited handsomely over recent years. Recognize, however, that these favorable results did not necessarily reflect the skill of the fund managers, but rather the consequence of a period during which the major indices posted their greatest sustained rises in history. There is no particular magic involved. These funds merely rise and fall with the general fortunes of the market.
When comparing the mutual funds against direct purchase of corporate stocks, the latter provides the better return. The reason is obvious. The additional overhead costs of the mutual fund operation must be superimposed on the investment. And dont imagine that these costs are insignificant. Over the years the industry has devised ways to separate the populace from its money. Most managed funds assess loads, which are commissions charged to the buyers that run as high as 8 percent of the purchase price. Although the conventional recommendation is to avoid the load in preference to the no-load funds, many of the no-load funds incorporate equally objectionable fees. These include redemption fees, often known as "back-end loads," to be paid when the shares are sold. A variation on the redemption fee is a deferred charge when shares are redeemed within a certain number of years, known as a deferred load. Another contrivance approved in 1980 by the Securities and Exchange Commission is known as the 12b-1 plan that permits a fund to confiscate up to 1 percent per year of the fund's assets for marketing purposes. At this rate, a participant in such a no-load fund over ten years contributes 12 percent of the investment in such fees. You may add to the list of undesirables those funds that debit portions of reinvested interest, dividends, and capital gains, known as reinvestment loads, as well as other less than obvious ways some no-load funds separate client from asset.
To be certain, the lowest management fees are those assessed by index funds, which are an assembled collection of securities whose composition mimics that of a particular market index, such as the Dow Jones Industrials or the Standard & Poor's 500. As investment analysis and decision-making is not required of the managers, no justification exists for a substantial fee. However, use of the index fund raises a fundamental question: What justification is there for a mix of securities often selected at random? Its my opinion that the index fund is the logical extension of the know-nothing canon. Not only need the investor disavow knowledge of anything financial, but the same rule pertains to management. An arbitrary set of index funds can then be designed and offered in which there ceases to be any responsibility for performance. Profitability for the fund operators becomes based solely upon the fees that can skimmed from the pot. In this way, the operation of an index fund becomes an exercise in pure marketing.
This gets us to the bottom line. For those of you unwilling to take part in the management of your assets, the mutual fund is your only optioninvestment by default. For others, who aspire to see their fortunes grow, there is a world of opportunity to be embraced.
Mutual Fund Ratings And How We Benefit
Most people these days know the definition of a mutual fund, however many do not know what mutual fund ratings are. Mutual fund ratings are the numerical scale that is placed on funds to determine the history of their performance. Thus the best performing mutual funds will have the best mutual fund ratings.
Although the rating is not indicative of the amount a fund will grow or will perform, it is closely related. Judging by the history of the fund in which you are looking at you can often tell whether this fund will do the same or better than another similar fund.
If a two funds are of similar style and similar ratings they will normally tend to follow the same patterns. They will typically invest in the same types of assets and will usually perform on the same scale. Meaning that if one is making positive interest the other one should be too. And also the flip side that if one is losing money the other will normally lose money as well.
The style referenced above is essentially a term that is utilized by people in the mutual fund business to determine the majority of the stocks in which they invest. There are many different types of stock. There are mutual funds called large cap funds, small cap funds, real estate funds, cash funds, and emerging markets funds. These are just a few of the different style.
The key here is that not all funds with high ratings will perform the same as other funds with high ratings. For instance there can be a high rating placed on a real estate mutual fund and a high rating that is placed on a large cap fund. If the real estate market is declining then their fund will decline likewise. Also the large cap fund may be increasing because the market is good for those types of stock.
There is also the possibility that a large cap based mutual fund with the same rating of another large cap mutual fund will not perform in the same manner. For instance there are two different types of cap funds. One is the growth fund and the other is called the value fund. They are different in the fact that they focus on different types of stocks and thus they can perform differently than each other.
Most people these days know the definition of a mutual fund, however many do not know what mutual fund ratings are. Mutual fund ratings are the numerical scale that is placed on funds to determine the history of their performance. Thus the best performing mutual funds will have the best mutual fund ratings.
Although the rating is not indicative of the amount a fund will grow or will perform, it is closely related. Judging by the history of the fund in which you are looking at you can often tell whether this fund will do the same or better than another similar fund.
If a two funds are of similar style and similar ratings they will normally tend to follow the same patterns. They will typically invest in the same types of assets and will usually perform on the same scale. Meaning that if one is making positive interest the other one should be too. And also the flip side that if one is losing money the other will normally lose money as well.
The style referenced above is essentially a term that is utilized by people in the mutual fund business to determine the majority of the stocks in which they invest. There are many different types of stock. There are mutual funds called large cap funds, small cap funds, real estate funds, cash funds, and emerging markets funds. These are just a few of the different style.
The key here is that not all funds with high ratings will perform the same as other funds with high ratings. For instance there can be a high rating placed on a real estate mutual fund and a high rating that is placed on a large cap fund. If the real estate market is declining then their fund will decline likewise. Also the large cap fund may be increasing because the market is good for those types of stock.
There is also the possibility that a large cap based mutual fund with the same rating of another large cap mutual fund will not perform in the same manner. For instance there are two different types of cap funds. One is the growth fund and the other is called the value fund. They are different in the fact that they focus on different types of stocks and thus they can perform differently than each other.
Penny Stocks - are they worth trading?
Penny stocks are low-priced securities that are currently trading below $5 per share. Often times these stocks have fallen from much higher prices and now trade thinly with low volume. Penny stocks are no longer listed on the major stock exchanges, and are traded on OTCBB or Pink Sheets.
Why trade Penny Stocks
Penny stocks allow a speculator the ability to purchase a large number of shares with a relatively small amount of money. The speculator, then hopes to receive a quick pop in the penny stock, which will yield a large return on their initial investment. If a speculator has a strategy for trading penny stocks, it can be successful; however, the odds of succeeding at this game are slim to none.
Biggest Lie about Penny Stocks
How many times have you been on a yahoo stock message board and see a post saying, "buy XTYLXE, it is set to rally over 2000%. Or what about the emails you receive from Bob123 telling you that some biotech stock is going to get their FDA approval in the next 2 days? Most of you reading this article probably tag these emails as spam and then move on with your lives. Have you ever stopped to ask the question, why do I keep getting these emails? Are people really buying these stocks? Well the reality is, for every "x" emails sent, there are a few people who actually take action. I think you know how the story ends for these poor souls.
Reality of trading Penny Stocks
If you actively trade penny stocks, it is basically a form of gambling. Just stop to think for a second about what you are doing. You are trading a stock that has little or no trading volume, which means there is no public interest. The stock is not listed on any of the major exchanges, which means you are not protected by all of the rules prescribed by the Securities Exchange Committee (SEC). Lastly, if a stock only costs .25 cents per share, you get what you pay for. Most speculators do not have the money management principles to successfully trade penny stocks. Often times, traders will continue to go all in on every penny stock trade, and then after 8 wins in a row, the 9th trade will take them out of the game.
How to protect your capital
If I have been unable to sway you from trading penny stocks, please use the following rules:
* Make sure the stock trades a minimum of 1 million shares per day over the past 30 days * Make sure you can look up the chart of the penny stock in order to identify support and resistance levels * Has a minimum of 100 million market capitalization * Do not follow any tips from spam emails or message boards * Do not put all of your money in 1 trade * Only use .5% of your total portfolio value for all of your penny stock trading activity
Penny stocks allow a speculator the ability to purchase a large number of shares with a relatively small amount of money.
Penny stocks are low-priced securities that are currently trading below $5 per share. Often times these stocks have fallen from much higher prices and now trade thinly with low volume. Penny stocks are no longer listed on the major stock exchanges, and are traded on OTCBB or Pink Sheets.
Why trade Penny Stocks
Penny stocks allow a speculator the ability to purchase a large number of shares with a relatively small amount of money. The speculator, then hopes to receive a quick pop in the penny stock, which will yield a large return on their initial investment. If a speculator has a strategy for trading penny stocks, it can be successful; however, the odds of succeeding at this game are slim to none.
Biggest Lie about Penny Stocks
How many times have you been on a yahoo stock message board and see a post saying, "buy XTYLXE, it is set to rally over 2000%. Or what about the emails you receive from Bob123 telling you that some biotech stock is going to get their FDA approval in the next 2 days? Most of you reading this article probably tag these emails as spam and then move on with your lives. Have you ever stopped to ask the question, why do I keep getting these emails? Are people really buying these stocks? Well the reality is, for every "x" emails sent, there are a few people who actually take action. I think you know how the story ends for these poor souls.
Reality of trading Penny Stocks
If you actively trade penny stocks, it is basically a form of gambling. Just stop to think for a second about what you are doing. You are trading a stock that has little or no trading volume, which means there is no public interest. The stock is not listed on any of the major exchanges, which means you are not protected by all of the rules prescribed by the Securities Exchange Committee (SEC). Lastly, if a stock only costs .25 cents per share, you get what you pay for. Most speculators do not have the money management principles to successfully trade penny stocks. Often times, traders will continue to go all in on every penny stock trade, and then after 8 wins in a row, the 9th trade will take them out of the game.
How to protect your capital
If I have been unable to sway you from trading penny stocks, please use the following rules:
* Make sure the stock trades a minimum of 1 million shares per day over the past 30 days * Make sure you can look up the chart of the penny stock in order to identify support and resistance levels * Has a minimum of 100 million market capitalization * Do not follow any tips from spam emails or message boards * Do not put all of your money in 1 trade * Only use .5% of your total portfolio value for all of your penny stock trading activity
Penny stocks allow a speculator the ability to purchase a large number of shares with a relatively small amount of money.
Stock Tips - Why You Should Avoid Them
History of Stock Tips
Stock tips are as old as the market itself. I guarantee you during the tulip bubble during the 1600's there was some guy passing out leaflets in every market he could find pushing tulips. Stock tips are just as much a part of the market as stocks themselves. Honestly, where would we be without tips? What would stock analysts do all day, what would CNBC talk about? While these stock tips make for good entertainment, they can prove deadly to your portfolio.
Why Avoid Stock Tips
Looking at the stock market is much like assessing a person's beauty. You may see the future mother of your children, while someone else will see a toad. The market truly represents what you, the trader can see. If you see randomness, well guess what, the market is random. If you see structure, and have specific rules with profit targets, stops, etc., then you will succeed. But, once you take a stock tip, you are no longer looking at the market through your own eyes. You are now relying on the advice and information of another person.
What Are Stock Tips Really
Stock tips are code for "greed" and "fear". The average tipster is so bullish on their stock, that they can no longer think clearly. So, they are telling everyone within ears distance to buy the stock. Of course you have the fearful person, that goes on every message board, blasting the stock, because they themselves are carrying a large short position. These factors have absolutely nothing to do with your goals or dreams.
Worst Stock Tip of Them All
The worst stock tip of them all is from a trusted friend or professional. Unlike people motivated by fear or greed, these individuals actually have your best intentions at heart. They truly want to see you succeed in your trading endeavor, but unfortunately, what they believe may not be the answer for you. Often times you will find yourself believing in the person and what they are saying, not necessarily what the stock is telling you. This can and will prove to be a deadly combination.
What Tips Are Good
The only tips that are good for you are general market principles (i.e. the information on this site). It is better to get a general understanding of the workings of the market and not focus in on one person's idea of a good stock. This way you can develop your own strategies for analyzing the market and stocks. Remember, it is better for you to learn what makes a good stock, then to simply take someone else's stock tips blindly.
See You at the Top,
Stock tips are as old as the market itself. This article stresses the importance of traders developing their own strategies versus listening to the opinions of others.
History of Stock Tips
Stock tips are as old as the market itself. I guarantee you during the tulip bubble during the 1600's there was some guy passing out leaflets in every market he could find pushing tulips. Stock tips are just as much a part of the market as stocks themselves. Honestly, where would we be without tips? What would stock analysts do all day, what would CNBC talk about? While these stock tips make for good entertainment, they can prove deadly to your portfolio.
Why Avoid Stock Tips
Looking at the stock market is much like assessing a person's beauty. You may see the future mother of your children, while someone else will see a toad. The market truly represents what you, the trader can see. If you see randomness, well guess what, the market is random. If you see structure, and have specific rules with profit targets, stops, etc., then you will succeed. But, once you take a stock tip, you are no longer looking at the market through your own eyes. You are now relying on the advice and information of another person.
What Are Stock Tips Really
Stock tips are code for "greed" and "fear". The average tipster is so bullish on their stock, that they can no longer think clearly. So, they are telling everyone within ears distance to buy the stock. Of course you have the fearful person, that goes on every message board, blasting the stock, because they themselves are carrying a large short position. These factors have absolutely nothing to do with your goals or dreams.
Worst Stock Tip of Them All
The worst stock tip of them all is from a trusted friend or professional. Unlike people motivated by fear or greed, these individuals actually have your best intentions at heart. They truly want to see you succeed in your trading endeavor, but unfortunately, what they believe may not be the answer for you. Often times you will find yourself believing in the person and what they are saying, not necessarily what the stock is telling you. This can and will prove to be a deadly combination.
What Tips Are Good
The only tips that are good for you are general market principles (i.e. the information on this site). It is better to get a general understanding of the workings of the market and not focus in on one person's idea of a good stock. This way you can develop your own strategies for analyzing the market and stocks. Remember, it is better for you to learn what makes a good stock, then to simply take someone else's stock tips blindly.
See You at the Top,
Stock tips are as old as the market itself. This article stresses the importance of traders developing their own strategies versus listening to the opinions of others.
The Investment Gods Are Angry
The Working Capital Model (WCM) is an historically new methodology, but with roots deeply imbedded in the building blocks of capitalism, and financial psychology--- if there actually is such a thing.
The earliest forms of capitalism sprung from ancient Roman mercantilism, which involved the production of goods and their distribution to people or countries around the Mediterranean.
The sole purpose of the exercise was profit and the most successful traders quickly produced more profits than they needed for their own consumption. The excess cash needed a home, and a wide variety of early entrepreneurial types were quick to propose ventures for the rudimentary rich to consider.
There were no income taxes, and governments actually supported commercial activities.
The investment gods saw this developing enterprise and thought it good. They suggested to the early merchants, and governments that they could "spread the wealth around" by: (1) selling ownership interests in their growing enterprises, and (2) by borrowing money to finance expansion.
A financial industry grew up around the early merchants, providing insurances, brokerage, and other banking services. Economic growth created the need for a trained work force, and companies competed for the most skilled. Eventually, even the employees could afford (even demand) a piece of the action.
Was this the beginning of modern liberalism? Not! The investment gods had created the building blocks of capitalism: stocks and bonds, profits and income. Stockowners participated in the success of growing enterprises; bondholders received interest for the use of their money--- the K.I.S.S. principle was born.
As capitalism took hold, entrepreneurs flourished, ingenuity and creativity were rewarded, jobs were created, civilizations blossomed, and living standards improved throughout the world. Global markets evolved that allowed investors anywhere to provide capital to industrial users everywhere, and to trade their ownership interests electronically.
But on the dark side, without even knowing it, Main Street self-directors participated in a thunderous explosion of new financial products and quasi-legal derivatives that so confused the investment gods that they had to holler "'nuff"! Where are our sacred stocks and bonds? Financial chaos ensued.
The Working Capital Model was developed in the 1970s, at a time when there were no IRA or 401(k) plans, no index or sector funds, no CDOs or credit swaps, and, a whole lot less risky product for investors to untangle. Those who invested knew about stocks and bonds; investment-qualified trustees protected workers pension plans.
The WCM was revolutionary then in its breakaway from the ancient buy-and-hold, in its staunch insistence on QDI selection principles, and in its cost based allocation and diversification disciplines. It is revolutionary still as it butts heads with a Wall Street that has gone mad with product differentiation, value obfuscation, and short-term performance evaluation.
Investing is a long-term process that involves goal setting and portfolio building. It demands patience, and an understanding of the several cycles that both create and confuse the environment in which it takes place.
The WCM thrives upon the cyclical nature of the process while Wall Street ignores it. Working capital numbers are used for short-term controls and directional guidance; peak-to-peak analysis provides longer-term performance analyses.
In the early 70s, investment professionals compared their equity performance cyclically with the DJIA, over the time from one significant market peak to the next--- from the 11,400 achieved in November 1999 to the 13,930 achieved in November 2007, for example. Equity portfolio managers would be expected to do at least as well as the Dow over the same time period, after all expenses.
Another popular hoop for investment managers of that era to jump through was Peak to Trough performance. Managers would be expected to do less poorly than the Dow during corrections, like the 33% drop between November 99 and September 02, or the much steeper 40% variety that we are immersed in today.
Professional income portfolio managers were expected to produce secure and increasing streams of spendable income, regardless. Compounded earnings and/or secure cash flow were all that was required. Apples were not compared with oranges.
Today's obsession with short-term blinks of the investment eye is Wall Street's attempt to take the market cycle out of the performance picture. Similarly, total return hocus-pocus places artificial significance on bond market values while it obscures the importance of the income produced.
WCM users will have none of it; the investment gods are angry. (Google Peak-to-Peak or Trough-to-Trough to see how far a field the financial community has strayed.)
The WCM embraces the fundamental building blocks of capitalism --- individual stocks and bonds and a few managed CEFs in which the actual holdings are clearly visible. Profits and income rule.
Think about it, in a working capital world, there would be no CDOs or multi-level mortgage mystery meat; no hedge funds, naked short sellers, or managed options programs; no mark-to-market lunacy, Bernie Madoffs, or taxes on investment income.
In a working capital portfolio today, lower stock prices are seen as a cyclical fact of life, an opportunity to add to positions at lower prices. There has been no panic selling in equity holdings, and no flight to 1% Treasuries from 6% Munis. In a WCM portfolio today, dividends and income keep rolling, providing income for retirees, college kids, and golf trips.
Capitalism is not broken; it's just been too tinkered with. The financial system is in serious trouble, however, and needs to get back to its roots and to those building blocks that the Wizards have cloaked in obscurity.
Let's stick with stocks and bonds; lets focus on income where the purpose is income; let's analyze performance relative to cycles as opposed to phases of the moon; let's tax consumption instead of income; let's not disrespect the gods.
Amen!
The Working Capital Model (WCM) is an historically new methodology, but with roots deeply imbedded in the building blocks of capitalism, and financial psychology--- if there actually is such a thing.
The Working Capital Model (WCM) is an historically new methodology, but with roots deeply imbedded in the building blocks of capitalism, and financial psychology--- if there actually is such a thing.
The earliest forms of capitalism sprung from ancient Roman mercantilism, which involved the production of goods and their distribution to people or countries around the Mediterranean.
The sole purpose of the exercise was profit and the most successful traders quickly produced more profits than they needed for their own consumption. The excess cash needed a home, and a wide variety of early entrepreneurial types were quick to propose ventures for the rudimentary rich to consider.
There were no income taxes, and governments actually supported commercial activities.
The investment gods saw this developing enterprise and thought it good. They suggested to the early merchants, and governments that they could "spread the wealth around" by: (1) selling ownership interests in their growing enterprises, and (2) by borrowing money to finance expansion.
A financial industry grew up around the early merchants, providing insurances, brokerage, and other banking services. Economic growth created the need for a trained work force, and companies competed for the most skilled. Eventually, even the employees could afford (even demand) a piece of the action.
Was this the beginning of modern liberalism? Not! The investment gods had created the building blocks of capitalism: stocks and bonds, profits and income. Stockowners participated in the success of growing enterprises; bondholders received interest for the use of their money--- the K.I.S.S. principle was born.
As capitalism took hold, entrepreneurs flourished, ingenuity and creativity were rewarded, jobs were created, civilizations blossomed, and living standards improved throughout the world. Global markets evolved that allowed investors anywhere to provide capital to industrial users everywhere, and to trade their ownership interests electronically.
But on the dark side, without even knowing it, Main Street self-directors participated in a thunderous explosion of new financial products and quasi-legal derivatives that so confused the investment gods that they had to holler "'nuff"! Where are our sacred stocks and bonds? Financial chaos ensued.
The Working Capital Model was developed in the 1970s, at a time when there were no IRA or 401(k) plans, no index or sector funds, no CDOs or credit swaps, and, a whole lot less risky product for investors to untangle. Those who invested knew about stocks and bonds; investment-qualified trustees protected workers pension plans.
The WCM was revolutionary then in its breakaway from the ancient buy-and-hold, in its staunch insistence on QDI selection principles, and in its cost based allocation and diversification disciplines. It is revolutionary still as it butts heads with a Wall Street that has gone mad with product differentiation, value obfuscation, and short-term performance evaluation.
Investing is a long-term process that involves goal setting and portfolio building. It demands patience, and an understanding of the several cycles that both create and confuse the environment in which it takes place.
The WCM thrives upon the cyclical nature of the process while Wall Street ignores it. Working capital numbers are used for short-term controls and directional guidance; peak-to-peak analysis provides longer-term performance analyses.
In the early 70s, investment professionals compared their equity performance cyclically with the DJIA, over the time from one significant market peak to the next--- from the 11,400 achieved in November 1999 to the 13,930 achieved in November 2007, for example. Equity portfolio managers would be expected to do at least as well as the Dow over the same time period, after all expenses.
Another popular hoop for investment managers of that era to jump through was Peak to Trough performance. Managers would be expected to do less poorly than the Dow during corrections, like the 33% drop between November 99 and September 02, or the much steeper 40% variety that we are immersed in today.
Professional income portfolio managers were expected to produce secure and increasing streams of spendable income, regardless. Compounded earnings and/or secure cash flow were all that was required. Apples were not compared with oranges.
Today's obsession with short-term blinks of the investment eye is Wall Street's attempt to take the market cycle out of the performance picture. Similarly, total return hocus-pocus places artificial significance on bond market values while it obscures the importance of the income produced.
WCM users will have none of it; the investment gods are angry. (Google Peak-to-Peak or Trough-to-Trough to see how far a field the financial community has strayed.)
The WCM embraces the fundamental building blocks of capitalism --- individual stocks and bonds and a few managed CEFs in which the actual holdings are clearly visible. Profits and income rule.
Think about it, in a working capital world, there would be no CDOs or multi-level mortgage mystery meat; no hedge funds, naked short sellers, or managed options programs; no mark-to-market lunacy, Bernie Madoffs, or taxes on investment income.
In a working capital portfolio today, lower stock prices are seen as a cyclical fact of life, an opportunity to add to positions at lower prices. There has been no panic selling in equity holdings, and no flight to 1% Treasuries from 6% Munis. In a WCM portfolio today, dividends and income keep rolling, providing income for retirees, college kids, and golf trips.
Capitalism is not broken; it's just been too tinkered with. The financial system is in serious trouble, however, and needs to get back to its roots and to those building blocks that the Wizards have cloaked in obscurity.
Let's stick with stocks and bonds; lets focus on income where the purpose is income; let's analyze performance relative to cycles as opposed to phases of the moon; let's tax consumption instead of income; let's not disrespect the gods.
Amen!
The Working Capital Model (WCM) is an historically new methodology, but with roots deeply imbedded in the building blocks of capitalism, and financial psychology--- if there actually is such a thing.
Crisis Investing - Three-Pronged WCM Strategy
One of the great things about being a professional investor is the opportunity one has to apply his or her long-term experience to the investment environment that is unfolding (or coming unglued) in the present.
If nothing else, most successful investors develop a consistent strategy that allows them to take advantage of short-term changes and the opportunities that they create in a somewhat unemotional manner. You can always tell a "newbie" by a "let's see how you do for a year" comment, or a "what's hot" question.
Wall Street would like us to ignore the fact that the stock market is a cyclical beast that changes direction periodically, and almost never at the turn of a calendar quarter or year--- cycles vary in length, breadth, and direction. Inevitably, less experienced investors get caught with their portfolio egos unprepared for market realities.
Similarly, Wall Street would like investors to look at income securities (bonds, CEFs, preferred stocks, etc.) with the same analytical eye that they use for equities. They too are expected to grow in market value forever, even though it's the income that the investor is after. High total returns mean missed profit taking opportunities more often than they signal increased income.
So as much as the wizards would like us to believe (a) that up arrows are always good and down arrows always bad, and (b) that they can get you safely hedged (protected) against the bad stuff with all forms of creative portfolio care products; its just never going to work that way.
Cycles are a good thing. They cleanse the markets of both fear and greed residue, and (all appendages crossed please) this time, perhaps, they'll point out that both multi-level derivatives and congressional tinkering don't ever produce the intended results.
Unfortunately, investors in general are a lot like teenagers. They know everything immediately; expect instant gratification; take unnecessary risks; fall in love too easily; ignore all voices of experience; prefer the easy approach; and feel that the lessons of the past just can't possibly apply to what's going on now. Duh, dude!
That said, what can Joe the plumber do to protect his 401(k), IRA, or personal investment portfolio from the Bernies, Nancys, and Harrys that are waiting in ambush? How does he protect himself from unregulated scams, and Wall Street toxins now, and into the future?
Well, it requires a slightly more mature mindset than the new media allows most investors the patience to develop, and an appreciation of the miracle drugs that have saved the lives of comatose portfolios victimized by the correction viruses of the past.
What if: (1) In the 30's, you had purchased shares in from 20 to 40 prominent, dividend paying, NYSE companies, or even in October '87, or '97. Now, if you had sold all those issues that gained 10%, and reinvested 70% of the profits keeping a diversified portfolio of similar stocks, hitting "replay" religiously, how much more market value would you have today?
What if: (2) At the same start date, 30% of your portfolio was placed in high quality income securities, and 30% of the income produced (and the remainder of that produced by equity profits) was reinvested similarly, how much more income would you have today than you do now?
If you combined the two analyses, how much more working capital would be in your wallet? You would be amazed at the results of this research; it would lead you to these portfolio life saving, and KISS-principle preserving, conclusions:
One: Every market up cycle produces profit-taking opportunities, and all reasonable profits should be realized--- in spite of the taxes. Two: Every market down cycle produces buying opportunities, and buying activities of three kinds must be continued throughout the downturn.
Three: Compound income growth is a wonderful thing, so find investment vehicles that can be added to routinely and, if spend you must, always spend less than you make. Four: Unhappily, nearly all of your past decision-making has been back---wards.
Just as the process described above is significantly more difficult to implement with mutual funds and other products, so too is the three-pronged strategy for dealing with market opportunities.
Reinvest portfolio generated income in three ways, and leisurely according to your planned, working-capital-calculated, asset allocation. Good judgment and an awareness of overall industry conditions are always required:
One: Add new equity positions, in new industries if possible, and keep initial positions smaller than usual. Never buy a stock that does not meet all Working Capital Model (WCM) selection criteria, and never stray more than 5% from your overall portfolio asset allocation guidelines.
These acquisitions should be monitored closely for quick turnover, at net/net profits of from seven to ten percent, depending on the amount of smart cash (WCM again) in your portfolio.
Two: Add new income positions when yields are unusually or artificially high, and watch for quick profits in this area as well. When yields are normal or lower than normal, diversify into new areas. For better results, do more "ones" than "twos" if possible.
Three: Add to positions in stocks that have maintained their quality rating and dividend while falling 30% or more from your cost basis. If the addition doesn't produce a significant change in cost per share, return to "one" or "two".
Add to positions in income securities to decrease cost per share and increase current yield simultaneously. Never allow a single position to exceed 5% of total working capital.
When the going gets tough, the tough go shopping, avoiding the buy high, sell low Wall Street game plan.
One of the great things about being a professional investor is the opportunity one has to apply his or her long-term experience to the investment environment that is unfolding (or coming unglued) in the present.
One of the great things about being a professional investor is the opportunity one has to apply his or her long-term experience to the investment environment that is unfolding (or coming unglued) in the present.
If nothing else, most successful investors develop a consistent strategy that allows them to take advantage of short-term changes and the opportunities that they create in a somewhat unemotional manner. You can always tell a "newbie" by a "let's see how you do for a year" comment, or a "what's hot" question.
Wall Street would like us to ignore the fact that the stock market is a cyclical beast that changes direction periodically, and almost never at the turn of a calendar quarter or year--- cycles vary in length, breadth, and direction. Inevitably, less experienced investors get caught with their portfolio egos unprepared for market realities.
Similarly, Wall Street would like investors to look at income securities (bonds, CEFs, preferred stocks, etc.) with the same analytical eye that they use for equities. They too are expected to grow in market value forever, even though it's the income that the investor is after. High total returns mean missed profit taking opportunities more often than they signal increased income.
So as much as the wizards would like us to believe (a) that up arrows are always good and down arrows always bad, and (b) that they can get you safely hedged (protected) against the bad stuff with all forms of creative portfolio care products; its just never going to work that way.
Cycles are a good thing. They cleanse the markets of both fear and greed residue, and (all appendages crossed please) this time, perhaps, they'll point out that both multi-level derivatives and congressional tinkering don't ever produce the intended results.
Unfortunately, investors in general are a lot like teenagers. They know everything immediately; expect instant gratification; take unnecessary risks; fall in love too easily; ignore all voices of experience; prefer the easy approach; and feel that the lessons of the past just can't possibly apply to what's going on now. Duh, dude!
That said, what can Joe the plumber do to protect his 401(k), IRA, or personal investment portfolio from the Bernies, Nancys, and Harrys that are waiting in ambush? How does he protect himself from unregulated scams, and Wall Street toxins now, and into the future?
Well, it requires a slightly more mature mindset than the new media allows most investors the patience to develop, and an appreciation of the miracle drugs that have saved the lives of comatose portfolios victimized by the correction viruses of the past.
What if: (1) In the 30's, you had purchased shares in from 20 to 40 prominent, dividend paying, NYSE companies, or even in October '87, or '97. Now, if you had sold all those issues that gained 10%, and reinvested 70% of the profits keeping a diversified portfolio of similar stocks, hitting "replay" religiously, how much more market value would you have today?
What if: (2) At the same start date, 30% of your portfolio was placed in high quality income securities, and 30% of the income produced (and the remainder of that produced by equity profits) was reinvested similarly, how much more income would you have today than you do now?
If you combined the two analyses, how much more working capital would be in your wallet? You would be amazed at the results of this research; it would lead you to these portfolio life saving, and KISS-principle preserving, conclusions:
One: Every market up cycle produces profit-taking opportunities, and all reasonable profits should be realized--- in spite of the taxes. Two: Every market down cycle produces buying opportunities, and buying activities of three kinds must be continued throughout the downturn.
Three: Compound income growth is a wonderful thing, so find investment vehicles that can be added to routinely and, if spend you must, always spend less than you make. Four: Unhappily, nearly all of your past decision-making has been back---wards.
Just as the process described above is significantly more difficult to implement with mutual funds and other products, so too is the three-pronged strategy for dealing with market opportunities.
Reinvest portfolio generated income in three ways, and leisurely according to your planned, working-capital-calculated, asset allocation. Good judgment and an awareness of overall industry conditions are always required:
One: Add new equity positions, in new industries if possible, and keep initial positions smaller than usual. Never buy a stock that does not meet all Working Capital Model (WCM) selection criteria, and never stray more than 5% from your overall portfolio asset allocation guidelines.
These acquisitions should be monitored closely for quick turnover, at net/net profits of from seven to ten percent, depending on the amount of smart cash (WCM again) in your portfolio.
Two: Add new income positions when yields are unusually or artificially high, and watch for quick profits in this area as well. When yields are normal or lower than normal, diversify into new areas. For better results, do more "ones" than "twos" if possible.
Three: Add to positions in stocks that have maintained their quality rating and dividend while falling 30% or more from your cost basis. If the addition doesn't produce a significant change in cost per share, return to "one" or "two".
Add to positions in income securities to decrease cost per share and increase current yield simultaneously. Never allow a single position to exceed 5% of total working capital.
When the going gets tough, the tough go shopping, avoiding the buy high, sell low Wall Street game plan.
One of the great things about being a professional investor is the opportunity one has to apply his or her long-term experience to the investment environment that is unfolding (or coming unglued) in the present.
Local Internet Marketing Quick Tips
Internet Marketing is also called by names like i-marketing, e-marketing, web – marketing, or online-marketing. So don’t get confused unnecessarily. Distances do not matter anymore, one is now able to get instant responses via internet, and eliciting these responses is the unique quality of this medium of communication. Marketing today is not just the domain of shopkeepers, internet gives opportunities through emails. Wireless services are now available to the seekers and promoters of this kind of marketing. Electronic customer relationship management (ECRM) and digital customer data is related to this kind of marketing.
Marketing online is much cheaper. Firms looking out for marketing outlet for their products seek the help of Internet Marketing Companies. It is up to these companies to launch the product for sale in the market with their efficient strategic localized approach. Local small business houses seek these companies as the cost of advertizing proves to be less, and at the same time via this channel a wider audience is exposed to their product. Electronic media paves way for quicker results. The campaign launched depends for its effectiveness on business goals and last but not the least on cost-volume-profit (CVP) analysis.
Local customers are out to seek Internet Marketing Services to bring their small business from a corner of a small market to the big marketing scene. Service providers provide packages for their customers. It is left up to the customer to choose from among these, the best suited to their particular requirements. Now what do these packages offer? Customers have to pay a small amount of $1000/ month to $5000/ month. Under the stipulated scheme you are allotted a number of pages, a number of local search engine marketing keywords, something called image optimization, few articles for online resource site, search engine’s analytics installation, organic link building, social media marketing. In six months the customer is provided with one special field on which the marketing will rely upon for a month, the second month will see stress laid upon another feature for furthering the product popularity and sale and so on.
Internet Marketing Firms help the solution seekers in getting traffic to the website owners who are working to market the product. In the high priced keyword world of internet, firms arrange for low priced keywords with high conversion rates. These firms get your ads high place for maximum benefit. Everyday budget is set up by them for these ads, and the search engines too avail the advantage of these ads, and thus more traffic is generated. Market research and focus on increased lead flow and the response loops also help in achieving the set goals. Search engines are optimized and this helps. Experts on the marketing scene work along with these firms, giving the local people all the help in popularizing their product and bringing it to the consumers. What a word of mouth cannot do, ads, banners, colorful advertisements, videos, well placed click-on boxes, response sheets, sign ups undertake the assignment to give you wonderful opportunities in the marketing field.
Internet Marketing is also called by names like i-marketing, e-marketing, web – marketing, or online-marketing. So don’t get confused unnecessarily. Distances do not matter anymore, one is now able to get instant responses via internet, and eliciting these responses is the unique quality of this medium of communication. Marketing today is not just the domain of shopkeepers, internet gives opportunities through emails. Wireless services are now available to the seekers and promoters of this kind of marketing. Electronic customer relationship management (ECRM) and digital customer data is related to this kind of marketing.
Marketing online is much cheaper. Firms looking out for marketing outlet for their products seek the help of Internet Marketing Companies. It is up to these companies to launch the product for sale in the market with their efficient strategic localized approach. Local small business houses seek these companies as the cost of advertizing proves to be less, and at the same time via this channel a wider audience is exposed to their product. Electronic media paves way for quicker results. The campaign launched depends for its effectiveness on business goals and last but not the least on cost-volume-profit (CVP) analysis.
Local customers are out to seek Internet Marketing Services to bring their small business from a corner of a small market to the big marketing scene. Service providers provide packages for their customers. It is left up to the customer to choose from among these, the best suited to their particular requirements. Now what do these packages offer? Customers have to pay a small amount of $1000/ month to $5000/ month. Under the stipulated scheme you are allotted a number of pages, a number of local search engine marketing keywords, something called image optimization, few articles for online resource site, search engine’s analytics installation, organic link building, social media marketing. In six months the customer is provided with one special field on which the marketing will rely upon for a month, the second month will see stress laid upon another feature for furthering the product popularity and sale and so on.
Internet Marketing Firms help the solution seekers in getting traffic to the website owners who are working to market the product. In the high priced keyword world of internet, firms arrange for low priced keywords with high conversion rates. These firms get your ads high place for maximum benefit. Everyday budget is set up by them for these ads, and the search engines too avail the advantage of these ads, and thus more traffic is generated. Market research and focus on increased lead flow and the response loops also help in achieving the set goals. Search engines are optimized and this helps. Experts on the marketing scene work along with these firms, giving the local people all the help in popularizing their product and bringing it to the consumers. What a word of mouth cannot do, ads, banners, colorful advertisements, videos, well placed click-on boxes, response sheets, sign ups undertake the assignment to give you wonderful opportunities in the marketing field.
Websites get Profits with Effective SEO Practices
When any company starts its business their main priority is to make them popular as a brand and known to the masses. All business marketing gimmicks like administration, sales management, production management and so on are of no use if the products and services are not communicated to the target audience and make your business get noticed.
For online marketplace also the same rule applies as far as business set-up is concerned. Internet as become integral part of major population of the world where businesses are influenced and established using this medium. Here also communicating and connecting with the target audience is very vital no matter the type of field you deal into. No business can become successful if they don’t have the proper customer base and their back-up.
Unlike real business world, on internet manual labor is not involved or needed to carry put sales activities. Main thing which is highlighted in online businesses are blogs and the websites. To make good profit online activities like buying, selling and traffic monetization is done on the websites and blogs. This concept is becoming very popular day-by-day.
The primary deciding factor here becomes the amount of visitors’ traffic received by the sites or blogs, according to it the income of a business is decided. Number of visitors of a website denotes the number of people who visits your website. You can monetize this web traffic by inserting the ad sense to the blog. Only when a website is visible online, its profit and traffic can be increased.
On internet you can find thousands on websites on common types of business that deals with similar subject or type. Thus which website would get greater success is dependent upon the number of hits you get and the viewers who view their websites.
Task of attracting web traffic and making a website visible and known to target audience is done with the help of search engine optimization. Numerous website owners have gained profit with Search engine optimization and they have very positive feedback about it. In order to create a special place for your website online, using good SEO services as become vital for any online business. Different tools like article marketing, link building, keyword research, etc are used as a part of search engine optimization in order to accomplish the online goals. The SEO services that are developed by professionals stand better chances of giving good results.
When any company starts its business their main priority is to make them popular as a brand and known to the masses.
When any company starts its business their main priority is to make them popular as a brand and known to the masses. All business marketing gimmicks like administration, sales management, production management and so on are of no use if the products and services are not communicated to the target audience and make your business get noticed.
For online marketplace also the same rule applies as far as business set-up is concerned. Internet as become integral part of major population of the world where businesses are influenced and established using this medium. Here also communicating and connecting with the target audience is very vital no matter the type of field you deal into. No business can become successful if they don’t have the proper customer base and their back-up.
Unlike real business world, on internet manual labor is not involved or needed to carry put sales activities. Main thing which is highlighted in online businesses are blogs and the websites. To make good profit online activities like buying, selling and traffic monetization is done on the websites and blogs. This concept is becoming very popular day-by-day.
The primary deciding factor here becomes the amount of visitors’ traffic received by the sites or blogs, according to it the income of a business is decided. Number of visitors of a website denotes the number of people who visits your website. You can monetize this web traffic by inserting the ad sense to the blog. Only when a website is visible online, its profit and traffic can be increased.
On internet you can find thousands on websites on common types of business that deals with similar subject or type. Thus which website would get greater success is dependent upon the number of hits you get and the viewers who view their websites.
Task of attracting web traffic and making a website visible and known to target audience is done with the help of search engine optimization. Numerous website owners have gained profit with Search engine optimization and they have very positive feedback about it. In order to create a special place for your website online, using good SEO services as become vital for any online business. Different tools like article marketing, link building, keyword research, etc are used as a part of search engine optimization in order to accomplish the online goals. The SEO services that are developed by professionals stand better chances of giving good results.
When any company starts its business their main priority is to make them popular as a brand and known to the masses.
Suggestive Points for an Attractive Email’s Subject Line
Whenever we get any email in our inbox which is the first thing that we notice? It is the subject lines of the emails that give us the idea about what the email must be having in it.
Out of all the emails that you receive in your inbox, you might not read every one of them, and read some of them on preference basis. While some might be directly sent to the trash can without even opening them.
The emails that catch your attention and pursue you to open it and read it are the ones with an interesting subject line where you want to click and read it to know what does the email contains. The subject line of an email plays vital part in deciding its success or failure of its email marketing campaign.
The inside mail message might be very useful and written in nice manner, but is of no use if the reader does not opens it and read it. People usually receive many emails regularly out of which they select which ones would be ideal to read and rest others are deleted. Thus in order to capture the interest of the reader the subject line should be short, descriptive yet catchy.
There are certain things that can be done in order to write a compelling and alluring email subject lines that have higher chances of getting clicked and read.
- First thing to be followed is limiting the subject to few words that are precise and to the point. In maximum number of internet browsers 50 characters is the limit for writing a subject line. So avoid writing it longer than this, as it would be of no avail. So while writing a subject line keeps it very descriptive this gives an idea about what the email is containing.
- Ideally speaking in email marketing, the reader is just interested in knowing what you have to offer them and its use to them. So while crafting the subject line writes it in such a manner that it clearly states what does your mail has it to offer them. It should be something that is required by the readers, and then only they would read it. Avoid using words like discount or free as these words stands higher chance to ending up in reader’ spam folder.
- The emails can be made specialized by addressing the subscribers by name in the subject line.Email marketing is very strong and widely used online marketing tool by the companies.
Whenever we get any email in our inbox which is the first thing that we notice? It is the subject lines of the emails that give us the idea about what the email must be having in it.
Out of all the emails that you receive in your inbox, you might not read every one of them, and read some of them on preference basis. While some might be directly sent to the trash can without even opening them.
The emails that catch your attention and pursue you to open it and read it are the ones with an interesting subject line where you want to click and read it to know what does the email contains. The subject line of an email plays vital part in deciding its success or failure of its email marketing campaign.
The inside mail message might be very useful and written in nice manner, but is of no use if the reader does not opens it and read it. People usually receive many emails regularly out of which they select which ones would be ideal to read and rest others are deleted. Thus in order to capture the interest of the reader the subject line should be short, descriptive yet catchy.
There are certain things that can be done in order to write a compelling and alluring email subject lines that have higher chances of getting clicked and read.
- First thing to be followed is limiting the subject to few words that are precise and to the point. In maximum number of internet browsers 50 characters is the limit for writing a subject line. So avoid writing it longer than this, as it would be of no avail. So while writing a subject line keeps it very descriptive this gives an idea about what the email is containing.
- Ideally speaking in email marketing, the reader is just interested in knowing what you have to offer them and its use to them. So while crafting the subject line writes it in such a manner that it clearly states what does your mail has it to offer them. It should be something that is required by the readers, and then only they would read it. Avoid using words like discount or free as these words stands higher chance to ending up in reader’ spam folder.
- The emails can be made specialized by addressing the subscribers by name in the subject line.Email marketing is very strong and widely used online marketing tool by the companies.
Value of Keyword Research for any Online Business
For online business promotion and ensure constant flow of visitors to a website article marketing can be a useful tool. This tool of internet marketing is very effective and lucrative enough, but if not utilized in correct manner, it could become just time wasting and money wasting thing. So if you want positive results out of it than, the first step should be done correctly and also the task of keyword research.
Main aim of writing articles is to divert the target traffic to your website and ultimately motivate them to carry out purchase activity. When an article is devoid of right set of keywords than it would hamper overall online exposure and hence amount of web traffic is also affected.
To give maximum exposure to your articles, they have to be published in the article directories for web traffic attraction. You can find many elite article directories that possess articles on different topics from expert authors. Hence the keyword selection has to be done in careful manner so that you choose the best ones and suits your article topic and can generate greater traffic to your website. When the specification of keywords increases, earnings would also increase.
Apart from being essential from article marketing point of view, keywords are used in articles which are going to stay permanent online. People use web hosting services, domain and blogs for making a string online presence. Practically speaking any domain name should have targeted keywords in it, so find them and analyze them for the same. Initially finding right keywords might take sometime, but for long-term this is very useful.
When appropriate keywords are used, people looking for specific information on Google can find your website in first page results as you have used the similar keywords as they have entered in the search box. Thus if you have used keyword research in your website, you are going to attract higher visitors’ traffic.
You can search the keywords using many online tools for your website. Free keyword research service of Google is very easily accessible and easy-to-use also known as ‘Google keyword tool external’. Word tracker is a keyword research tool that can be utilised for keyword research. This tool is complex in nature where more detailed study of the keywords can be done.
When research is done then only you can determine the popularity of the keywords globally and locally. If the keywords you select are highly searched terms than it is advisable to select another one in order to reduce the higher competition rate, thus directing more traffic to your website.
For online business promotion and ensure constant flow of visitors to a website article marketing can be a useful tool.
For online business promotion and ensure constant flow of visitors to a website article marketing can be a useful tool. This tool of internet marketing is very effective and lucrative enough, but if not utilized in correct manner, it could become just time wasting and money wasting thing. So if you want positive results out of it than, the first step should be done correctly and also the task of keyword research.
Main aim of writing articles is to divert the target traffic to your website and ultimately motivate them to carry out purchase activity. When an article is devoid of right set of keywords than it would hamper overall online exposure and hence amount of web traffic is also affected.
To give maximum exposure to your articles, they have to be published in the article directories for web traffic attraction. You can find many elite article directories that possess articles on different topics from expert authors. Hence the keyword selection has to be done in careful manner so that you choose the best ones and suits your article topic and can generate greater traffic to your website. When the specification of keywords increases, earnings would also increase.
Apart from being essential from article marketing point of view, keywords are used in articles which are going to stay permanent online. People use web hosting services, domain and blogs for making a string online presence. Practically speaking any domain name should have targeted keywords in it, so find them and analyze them for the same. Initially finding right keywords might take sometime, but for long-term this is very useful.
When appropriate keywords are used, people looking for specific information on Google can find your website in first page results as you have used the similar keywords as they have entered in the search box. Thus if you have used keyword research in your website, you are going to attract higher visitors’ traffic.
You can search the keywords using many online tools for your website. Free keyword research service of Google is very easily accessible and easy-to-use also known as ‘Google keyword tool external’. Word tracker is a keyword research tool that can be utilised for keyword research. This tool is complex in nature where more detailed study of the keywords can be done.
When research is done then only you can determine the popularity of the keywords globally and locally. If the keywords you select are highly searched terms than it is advisable to select another one in order to reduce the higher competition rate, thus directing more traffic to your website.
For online business promotion and ensure constant flow of visitors to a website article marketing can be a useful tool.
Useful Tips to Enhance Quality of Email Marketing
Online companies that are into doing some serious business, collect data from their customers in order to add them as prospective customers and subscribers for their emails for the marketing purpose. This sort of marketing is very common with marketers who already have large fleet of subscribers’ list.
In email marketing getting the list prepared of the potential clients that is the subscribers is essential but apart from that, writing down effective email messages is the main thing detrimental factor in deciding whether or not your email campaign would be able to bring in business or not. Thus entire success of the email marketing campaign is dependent upon the quality of mails been created and its presentation.
In email marketing which is a sort of personal marketing, you need to build up a rapport with the target customers or subscribers. This thing has to be done before starting your email campaign for marketing the products and services.
At any given cost avoid using the spam words in the mail especially the subject line. Some of such words are- free offer, discount, special offer, freebie and many more. If such words are used your email would land in the spam folder instead of the inbox of the subscribers.
Create subject line that is alluring, descriptive and attention grabbing. By reading the subject line the reader decides whether or not to open and read your mail. So you can say that subject line gives them the idea whether or not to read the email or not.
Emails should be short, simple and straight to the point. Lengthy and over-stuffed emails are not read by people as they don’t like to spend their time in reading all the stuff. So concentrate one point at a time in the email and put some free white space also in it which makes it interesting and appealing to the eyes of the subscribers.
Any emails that concentrates just on selling something to the reader is not liked by the masses. It has to be informative also, and selling should be done in subtle manner so that they don’t feel that email is just for selling them something. To give personalized touch to the email, start the mail by addressing the subscriber with their first name.
To make your email readable break it or divide it into smaller paragraphs that gives breathing space to the eyes and are much more relaxing to read. If you craft your email with long paragraphs then reader might press the ‘delete’ button sooner without reading the entire content.
You can follow these points to enhance the value of your emails written for marketing purpose.
Online companies that are into doing some serious business, collect data from their customers in order to add them as prospective customers
Online companies that are into doing some serious business, collect data from their customers in order to add them as prospective customers and subscribers for their emails for the marketing purpose. This sort of marketing is very common with marketers who already have large fleet of subscribers’ list.
In email marketing getting the list prepared of the potential clients that is the subscribers is essential but apart from that, writing down effective email messages is the main thing detrimental factor in deciding whether or not your email campaign would be able to bring in business or not. Thus entire success of the email marketing campaign is dependent upon the quality of mails been created and its presentation.
In email marketing which is a sort of personal marketing, you need to build up a rapport with the target customers or subscribers. This thing has to be done before starting your email campaign for marketing the products and services.
At any given cost avoid using the spam words in the mail especially the subject line. Some of such words are- free offer, discount, special offer, freebie and many more. If such words are used your email would land in the spam folder instead of the inbox of the subscribers.
Create subject line that is alluring, descriptive and attention grabbing. By reading the subject line the reader decides whether or not to open and read your mail. So you can say that subject line gives them the idea whether or not to read the email or not.
Emails should be short, simple and straight to the point. Lengthy and over-stuffed emails are not read by people as they don’t like to spend their time in reading all the stuff. So concentrate one point at a time in the email and put some free white space also in it which makes it interesting and appealing to the eyes of the subscribers.
Any emails that concentrates just on selling something to the reader is not liked by the masses. It has to be informative also, and selling should be done in subtle manner so that they don’t feel that email is just for selling them something. To give personalized touch to the email, start the mail by addressing the subscriber with their first name.
To make your email readable break it or divide it into smaller paragraphs that gives breathing space to the eyes and are much more relaxing to read. If you craft your email with long paragraphs then reader might press the ‘delete’ button sooner without reading the entire content.
You can follow these points to enhance the value of your emails written for marketing purpose.
Online companies that are into doing some serious business, collect data from their customers in order to add them as prospective customers
Monday, January 24, 2011
No Money! Does It Really Matter? (Free E-Books)
I never thought I would give away both E-Books again, but I keep getting emails asking for it so why not give it away again - You know my rules if it helps you be sure to return the favor and help another!
This time my offer of both E-Books will not expire!
Many investors think that money (or lack of money) is what stops them from closing a deal. This MYTH is one of the most limiting things that holds some investors back. Understand that money is NEVER an issue—IF the deal is right.
You can use the seller’s existing financing for part of the purchase price. Buying "subject to" you only have to fund the money for the seller’s equity! You can get a cash buyer and do a simultaneous close or flip your deal to the buyer for a cash assignment fee. You can sell your contract to another investor, again for a cash assignment fee. You can borrow the money from a private party lender at an interest rate higher than a bank would pay.
You can find a source to back you financially can be a daunting process but the rewards can be great!
Try searching your public records at the local county office and look for property that has been recently sold by HUD, VA, FNMA or any REO "Real Estate Owned" Lender foreclosed property.
If the buyer of this type of property made a purchase of several properties you may have hit pay dirt for a financial backer or at the least someone who you can locate real estate for a assignment fee.
The deeds should give the mailing address of the buyer. You could send them out a letter and tell them about your flipping/bird dogging business or just give them a telephone call if they are in the book.
John Michael's Simple Rules
- If you have an appointment show up on time
- Be A Professional
- Pay attention
- Be truthful
- Every "No" Only Makes You Closer To "Yes"
- Don't be attached to the outcome
- No Money! Does It Really Matter? NO!
Who & Where are Investors? Anyone with money
- People with money are always looking for a good return! Doctors and Lawyers make a good source along with foreclosure sales, as most who attend are investors.
You can also go with what is called "Hard Money" this generally refers to privately placed loans as opposed to institutional loans, which usually have more stringent underwriting guidelines, for both the type of property used as collateral and the credit worthiness of the borrower.
The most compelling reasons for using hard moneylenders are:
1. Less time involved
2. Less qualifying to close your transactions!
Equity lender, hard money lender, private investor or what ever term one uses can be a great source of funds to do real estate transactions and the question of how to find them comes up often!
There are numerous ways to do this, and no two investors are exactly alike, so it's important to be innovative and customize your proposal to the specific "hot buttons" for each funding source.
One of the greatest advantages of real estate investing is the power of leveraging other people's money.
Any one who has money could be a source of funds for your real estate purchases.
Another great source is checking your recorders office again looking for individuals who holds mortgages on property. This has provided me a great source for hard money loans.
Simply think creatively, go to the source of funds and simply ask for money. The worst that can happen is you get a "NO". Each no only places you closer to a "YES".
There are small companies and individual investors willing to invest in your investing projects. Many do charge high interest and points, but it is simply the availability of money, not the cost that you are looking for when you buy, rehab and resale "Flip" real estate for a profit.
You will find no typical transaction when it comes to hard moneylenders but listed below are some norms:
_ Interest rates: 10 to 18 percent
- Balloon payment: typical, usually due after 1 or 2 years
- Most only will want a first mortgage
- Loan-to-value ratios run from 50 to 65 percent and in some cases as much as 80% under special circumstances
- Points can range from 3 to 10
Government Grants - Private Funds - Hard Money - Investment Funds - You will most likely have to pay the closing costs and due diligence - And commitment fees ranging from 1/3% to 1% of the loan amount Hard moneylenders are private individuals and small local companies that operate in making loans to the desperate or needy investors the same way regular banks and brokers service traditional customers. Now keep in mind the people are not going to back you financially just because you think it's a great deal but following the below listed guidelines can help in this process. A property purchase project that is clear, concise, realistic, and honest will get investors attention.
Do understand they do not deal in dreams but in fact and profit. You must show them that the project is viable, limited risk, and above all you must have your profit exit Strategy clear and concise.Most will be looking for experience in you (This can come in your displayed confidence in your project).
You have to get them to believe in your abilities and your feasibility to carry out the project. You should provide them a business plan and you should provide them a project plan.
The more details on the property you provide the better off you will be.
I authored an E-book on this issue that covers creative financing, mortgages, negotiation, scoring system and money sources that may be of some help and I would like to give this away free - This is a PDF zipped E-book.
To download your free books go to http://jmichaelrei.com/html/order_download.html and enter the following username and password.
Hard Money
Username: HardMoney05
Password: TBfree479
Government Grants
Username: GVgrants05
Password: 29free49
This is a large file - 3203 KB so for some it may take some time to download - Please do not contact me on how to download or why you can not download the book as I have posted directions for any download issues.
Good luck and I hope this will help some of you!
Government Grants - Private Funds - Hard Money - Investment Funds
I never thought I would give away both E-Books again, but I keep getting emails asking for it so why not give it away again - You know my rules if it helps you be sure to return the favor and help another!
This time my offer of both E-Books will not expire!
Many investors think that money (or lack of money) is what stops them from closing a deal. This MYTH is one of the most limiting things that holds some investors back. Understand that money is NEVER an issue—IF the deal is right.
You can use the seller’s existing financing for part of the purchase price. Buying "subject to" you only have to fund the money for the seller’s equity! You can get a cash buyer and do a simultaneous close or flip your deal to the buyer for a cash assignment fee. You can sell your contract to another investor, again for a cash assignment fee. You can borrow the money from a private party lender at an interest rate higher than a bank would pay.
You can find a source to back you financially can be a daunting process but the rewards can be great!
Try searching your public records at the local county office and look for property that has been recently sold by HUD, VA, FNMA or any REO "Real Estate Owned" Lender foreclosed property.
If the buyer of this type of property made a purchase of several properties you may have hit pay dirt for a financial backer or at the least someone who you can locate real estate for a assignment fee.
The deeds should give the mailing address of the buyer. You could send them out a letter and tell them about your flipping/bird dogging business or just give them a telephone call if they are in the book.
John Michael's Simple Rules
- If you have an appointment show up on time
- Be A Professional
- Pay attention
- Be truthful
- Every "No" Only Makes You Closer To "Yes"
- Don't be attached to the outcome
- No Money! Does It Really Matter? NO!
Who & Where are Investors? Anyone with money
- People with money are always looking for a good return! Doctors and Lawyers make a good source along with foreclosure sales, as most who attend are investors.
You can also go with what is called "Hard Money" this generally refers to privately placed loans as opposed to institutional loans, which usually have more stringent underwriting guidelines, for both the type of property used as collateral and the credit worthiness of the borrower.
The most compelling reasons for using hard moneylenders are:
1. Less time involved
2. Less qualifying to close your transactions!
Equity lender, hard money lender, private investor or what ever term one uses can be a great source of funds to do real estate transactions and the question of how to find them comes up often!
There are numerous ways to do this, and no two investors are exactly alike, so it's important to be innovative and customize your proposal to the specific "hot buttons" for each funding source.
One of the greatest advantages of real estate investing is the power of leveraging other people's money.
Any one who has money could be a source of funds for your real estate purchases.
Another great source is checking your recorders office again looking for individuals who holds mortgages on property. This has provided me a great source for hard money loans.
Simply think creatively, go to the source of funds and simply ask for money. The worst that can happen is you get a "NO". Each no only places you closer to a "YES".
There are small companies and individual investors willing to invest in your investing projects. Many do charge high interest and points, but it is simply the availability of money, not the cost that you are looking for when you buy, rehab and resale "Flip" real estate for a profit.
You will find no typical transaction when it comes to hard moneylenders but listed below are some norms:
_ Interest rates: 10 to 18 percent
- Balloon payment: typical, usually due after 1 or 2 years
- Most only will want a first mortgage
- Loan-to-value ratios run from 50 to 65 percent and in some cases as much as 80% under special circumstances
- Points can range from 3 to 10
Government Grants - Private Funds - Hard Money - Investment Funds - You will most likely have to pay the closing costs and due diligence - And commitment fees ranging from 1/3% to 1% of the loan amount Hard moneylenders are private individuals and small local companies that operate in making loans to the desperate or needy investors the same way regular banks and brokers service traditional customers. Now keep in mind the people are not going to back you financially just because you think it's a great deal but following the below listed guidelines can help in this process. A property purchase project that is clear, concise, realistic, and honest will get investors attention.
Do understand they do not deal in dreams but in fact and profit. You must show them that the project is viable, limited risk, and above all you must have your profit exit Strategy clear and concise.Most will be looking for experience in you (This can come in your displayed confidence in your project).
You have to get them to believe in your abilities and your feasibility to carry out the project. You should provide them a business plan and you should provide them a project plan.
The more details on the property you provide the better off you will be.
I authored an E-book on this issue that covers creative financing, mortgages, negotiation, scoring system and money sources that may be of some help and I would like to give this away free - This is a PDF zipped E-book.
To download your free books go to http://jmichaelrei.com/html/order_download.html and enter the following username and password.
Hard Money
Username: HardMoney05
Password: TBfree479
Government Grants
Username: GVgrants05
Password: 29free49
This is a large file - 3203 KB so for some it may take some time to download - Please do not contact me on how to download or why you can not download the book as I have posted directions for any download issues.
Good luck and I hope this will help some of you!
Government Grants - Private Funds - Hard Money - Investment Funds
Mutual funds are not investments
Mutual funds simply are a method through which people invest. People often asking, "What are mutual funds paying?" The truth is that mutua...
Mutual funds simply are a method through which people invest. People often asking, "What are mutual funds paying?" The truth is that mutua...
How To Trade In Stock Markets?
A famous Chinese Proverb goes that, "Give a man a fish; you feed him for a day. Teach a man to fish and you feed him for a lifetime."
This article is for the newcomers to the stock market trading who have a great desires to learn the charts and the skill of trading. So, it'll be of no help for those people who make the trading decisions based on some fundamentals. Something that distinguished a flourishing trader from the rest is his judgment on when to get in, when to stay out and when to accept a mistake He has his charts and the knowledge of using it.
Let us start trading lesson with the Basics of Trends:
TRENDS
As per time frames, we can classify Trends into following types:
A) SECULAR TRENDS B) PRIMARY TREND C) INTERMEDIATE TREND D) SHORT TERM TRENDS
Every short term trend has within it one to several intraday uptrend and downtrends. Every intermediate trend has within it one to several short term uptrend and downtrends. Every primary trend has within it one to several intermediate uptrend and downtrends. So too, every secular trend has within it one to several primary uptrend and downtrends.
What we mean by Bull market is a market in a primary uptrend. What we mean by a Bear Market is a market in a primary downtrend.
A SECULAR BULL MARKET has primary uptrend (Bull mkts) higher in magnitude and duration as compared to its primary downtrends (Bear mkts). Expect the bull markets to unfold longer than the bear markets in a secular bull move. Vice versa for the SECULAR BEAR MKT.A secular bear market has primary downtrends greater in magnitude and duration as compared to its primary uptrend. Expect the bear markets to take longer to unfold than the bull markets in a secular bear move. A Secular trend usually lasts about 10-25 years.
We now know what a secular, primary trends and intermed trends are. We know that each larger time frame has within it smaller time frames of trends. We have an intermed uptrend followed by an intermed downtrend followed by an intermed uptrend, so on so forth.
Few rules:
1) After an intermediate uptrend, the correction should be only 33-66% of that cycle (One intermed cycle = one intermed uptrend and one intermed downtrend). Greater the retracement, the increased likelihood that the primary trend has reversed to the down.
2) substantive increase in volume during the price decline.
The above are some basics if you are playing with indicators as well, then all the negative divergences, moving average crossovers puts you on Caution Mode. Most important thing that we all have to remember is that Trading is very simple. Our mind being complicated is the reason why we try to over complicate a simple thing. So as in anything simple, we try to leave it as simple as we can.
A famous Chinese Proverb goes that, "Give a man a fish; you feed him for a day. Teach a man to fish and you feed him for a lifetime."
This article is for the newcomers to the stock market trading who have a great desires to learn the charts and the skill of trading. So, it'll be of no help for those people who make the trading decisions based on some fundamentals. Something that distinguished a flourishing trader from the rest is his judgment on when to get in, when to stay out and when to accept a mistake He has his charts and the knowledge of using it.
Let us start trading lesson with the Basics of Trends:
TRENDS
As per time frames, we can classify Trends into following types:
A) SECULAR TRENDS B) PRIMARY TREND C) INTERMEDIATE TREND D) SHORT TERM TRENDS
Every short term trend has within it one to several intraday uptrend and downtrends. Every intermediate trend has within it one to several short term uptrend and downtrends. Every primary trend has within it one to several intermediate uptrend and downtrends. So too, every secular trend has within it one to several primary uptrend and downtrends.
What we mean by Bull market is a market in a primary uptrend. What we mean by a Bear Market is a market in a primary downtrend.
A SECULAR BULL MARKET has primary uptrend (Bull mkts) higher in magnitude and duration as compared to its primary downtrends (Bear mkts). Expect the bull markets to unfold longer than the bear markets in a secular bull move. Vice versa for the SECULAR BEAR MKT.A secular bear market has primary downtrends greater in magnitude and duration as compared to its primary uptrend. Expect the bear markets to take longer to unfold than the bull markets in a secular bear move. A Secular trend usually lasts about 10-25 years.
We now know what a secular, primary trends and intermed trends are. We know that each larger time frame has within it smaller time frames of trends. We have an intermed uptrend followed by an intermed downtrend followed by an intermed uptrend, so on so forth.
Few rules:
1) After an intermediate uptrend, the correction should be only 33-66% of that cycle (One intermed cycle = one intermed uptrend and one intermed downtrend). Greater the retracement, the increased likelihood that the primary trend has reversed to the down.
2) substantive increase in volume during the price decline.
The above are some basics if you are playing with indicators as well, then all the negative divergences, moving average crossovers puts you on Caution Mode. Most important thing that we all have to remember is that Trading is very simple. Our mind being complicated is the reason why we try to over complicate a simple thing. So as in anything simple, we try to leave it as simple as we can.
Why Mutual Funds Are A Better Option For Retail Investors?
It is simply instinctive to get attracted toward equity. The success stories - few true and many false - of people having become millionaires overnight, are bound to allure anyone. But the fact is that Stock Market isn't easy money; Stock market is not everyone’s cup of tea.
It is our hard-earned savings, which is at stake. So let’s be very concrete about it.
Do you have adequate capital?
It is sheer common sense that a diversified portfolio with 18-20 stocks is less risky than a small portfolio with only 3-4 stocks.
However, for a retail investor, capital is normally limited. With this small money supply it won't be likely for him to adequately diversify his/her portfolio. In such a condition, Mutual Funds extend an alternative to be a part of well-diversified portfolio even with small capital like $100.
Naturally, a small portfolio can give super natural returns but on the other hand the risk is also very high. This high-risk high-reward scheme wouldn't be appropriate for absolute majority of retail investors. It just suits a couple of select expert investors who have lots of money to put into market.
Also, with moderate capital it's hard to buy pricey shares like Google, Infosys etc. This drives us to buy low price stocks. Broadly speaking high-priced stocks will be good shares and low-priced stocks might not be that good shares. Hence, with limited capital you could end up with a inferior portfolio.
Given the fact that moderate capital could mean small and inferior portfolio, Mutual Funds perhaps are more preferable path for those who cannot bring in enough money for investing
Do you have adequate knowledge & expertise?
Ok, let’s be really honest and frank here.
· Do you have more expertise about companies, economy, market trends, etc. than a qualified and knowledgeable professional investment company?
· Can you interpret the balance sheet and Annual Reports as easily as an investment company and make right conclusions?
· Can you identify the future sectors of growth? Or those that could face a downswing in the immediate future?
In short, are you more knowledgeable than an investment company?
In 99% cases, the answer would be ‘Nope’.
So why do common retail investors enter the hard terrain of securities industry, when you have the chance to allow the exert people to do the task for you?
Do you have adequate time & resources?
Let’s presume that you have big bucks to invest and also a really sound understanding of the equity markets. But do you have the third important criteria, “Time & Resources”?
There are numerous listed companies. Some of them are booming, some were booming and some will be booming. You need to purchase stocks that will be flourishing; you need to exit those whose flourishing phase is about to cease; and you need to hold on to those who are still in the success phase. The timing is very decisive for making fortune in stock markets.
Now this list keeps varying quite frequently and it calls for constant research to keep oneself updated. So, there won’t be many retail investors who can afford to devote time to study thousands of annual reports and tracking the performance of companies. Moreover, yearly reports are not all that is needed to research a company. How many of us can travel to company premises, contact their management and talk over their plans, earning expectations, etc.? Can you talk personally to the industry experts? Even if you can do all of this, can it be done on an ongoing basis - day after day every year?
So who is best person to do a sound research - a Mutual Fund with its’ experienced research squad or you, who are as too occupied with our own businesses/job?
Unlike all this, opting for Mutual Funds is a comparatively much easier task. Also, it does not ask for close monitoring. Hence it becomes the finest option for retail investors to relish the yields of stock market, without being forced to commit lots of time and effort.
It is simply instinctive to get attracted toward equity. Stock Market isn't easy money. Stock market is not everyone’s cup of tea
It is simply instinctive to get attracted toward equity. The success stories - few true and many false - of people having become millionaires overnight, are bound to allure anyone. But the fact is that Stock Market isn't easy money; Stock market is not everyone’s cup of tea.
It is our hard-earned savings, which is at stake. So let’s be very concrete about it.
Do you have adequate capital?
It is sheer common sense that a diversified portfolio with 18-20 stocks is less risky than a small portfolio with only 3-4 stocks.
However, for a retail investor, capital is normally limited. With this small money supply it won't be likely for him to adequately diversify his/her portfolio. In such a condition, Mutual Funds extend an alternative to be a part of well-diversified portfolio even with small capital like $100.
Naturally, a small portfolio can give super natural returns but on the other hand the risk is also very high. This high-risk high-reward scheme wouldn't be appropriate for absolute majority of retail investors. It just suits a couple of select expert investors who have lots of money to put into market.
Also, with moderate capital it's hard to buy pricey shares like Google, Infosys etc. This drives us to buy low price stocks. Broadly speaking high-priced stocks will be good shares and low-priced stocks might not be that good shares. Hence, with limited capital you could end up with a inferior portfolio.
Given the fact that moderate capital could mean small and inferior portfolio, Mutual Funds perhaps are more preferable path for those who cannot bring in enough money for investing
Do you have adequate knowledge & expertise?
Ok, let’s be really honest and frank here.
· Do you have more expertise about companies, economy, market trends, etc. than a qualified and knowledgeable professional investment company?
· Can you interpret the balance sheet and Annual Reports as easily as an investment company and make right conclusions?
· Can you identify the future sectors of growth? Or those that could face a downswing in the immediate future?
In short, are you more knowledgeable than an investment company?
In 99% cases, the answer would be ‘Nope’.
So why do common retail investors enter the hard terrain of securities industry, when you have the chance to allow the exert people to do the task for you?
Do you have adequate time & resources?
Let’s presume that you have big bucks to invest and also a really sound understanding of the equity markets. But do you have the third important criteria, “Time & Resources”?
There are numerous listed companies. Some of them are booming, some were booming and some will be booming. You need to purchase stocks that will be flourishing; you need to exit those whose flourishing phase is about to cease; and you need to hold on to those who are still in the success phase. The timing is very decisive for making fortune in stock markets.
Now this list keeps varying quite frequently and it calls for constant research to keep oneself updated. So, there won’t be many retail investors who can afford to devote time to study thousands of annual reports and tracking the performance of companies. Moreover, yearly reports are not all that is needed to research a company. How many of us can travel to company premises, contact their management and talk over their plans, earning expectations, etc.? Can you talk personally to the industry experts? Even if you can do all of this, can it be done on an ongoing basis - day after day every year?
So who is best person to do a sound research - a Mutual Fund with its’ experienced research squad or you, who are as too occupied with our own businesses/job?
Unlike all this, opting for Mutual Funds is a comparatively much easier task. Also, it does not ask for close monitoring. Hence it becomes the finest option for retail investors to relish the yields of stock market, without being forced to commit lots of time and effort.
It is simply instinctive to get attracted toward equity. Stock Market isn't easy money. Stock market is not everyone’s cup of tea
Why is portfolio diversification essential for investors?
Diversification of portfolio is a method use to minimize risk factor in investments. It takes grouping of various types of investments in a single portfolio, which creates a balance of return throughout the fiscal year. Usually it is practiced by very large financial institutions like Hedge Funds, but small investors also take part in portfolio diversification by investing in for example Mutual Funds. Normally there three types of portfolio diversification. They are:
1. Investment in different types of commodities like shares, mutual funds, government bonds and foreign exchange.
2. Investment within a single commodity but with different strategies, like taking a long position in US dollar and sterling pair at the same time going short with Japanese Yen and US dollar pair.
3. Spreading your investments in different geographic locations. It can help you create a balance in your investments, for example if NYSE Dow Jones is showing a bearish trend there is a possibility that BSE SENSEX is going bullish. It can also apply to investment in entirely different industries.
However, it should be clear at this point that by diversifying your portfolio, you ultimately reduce the potential of high returns on individual investments. But what is more essential for investor is the smooth running of their portfolio, which makes sure sustainability, steady growth and reduced risk.
There are some strategies which portfolio managers apply on their investments to create diversification and maximum returns in both falling and rising market condition, they are:
1. Allocation of assets according to various market trends. A rising trend is also an opportunity for going short in opposite commodity.
2. You can use leverage to maximize chances of target return.
3. Research and analysis are vital for making a decision; both fundamental and technical realizations should be incorporated in your strategy.
4. Limit your strategies to a targeted return or risk level. Over concentration and expectation can cause a big loss of opportunity in other investments. You need to look at portfolio analysis on regular basis.
Diversification of portfolio is a method use to minimize risk factor in investments.
Diversification of portfolio is a method use to minimize risk factor in investments. It takes grouping of various types of investments in a single portfolio, which creates a balance of return throughout the fiscal year. Usually it is practiced by very large financial institutions like Hedge Funds, but small investors also take part in portfolio diversification by investing in for example Mutual Funds. Normally there three types of portfolio diversification. They are:
1. Investment in different types of commodities like shares, mutual funds, government bonds and foreign exchange.
2. Investment within a single commodity but with different strategies, like taking a long position in US dollar and sterling pair at the same time going short with Japanese Yen and US dollar pair.
3. Spreading your investments in different geographic locations. It can help you create a balance in your investments, for example if NYSE Dow Jones is showing a bearish trend there is a possibility that BSE SENSEX is going bullish. It can also apply to investment in entirely different industries.
However, it should be clear at this point that by diversifying your portfolio, you ultimately reduce the potential of high returns on individual investments. But what is more essential for investor is the smooth running of their portfolio, which makes sure sustainability, steady growth and reduced risk.
There are some strategies which portfolio managers apply on their investments to create diversification and maximum returns in both falling and rising market condition, they are:
1. Allocation of assets according to various market trends. A rising trend is also an opportunity for going short in opposite commodity.
2. You can use leverage to maximize chances of target return.
3. Research and analysis are vital for making a decision; both fundamental and technical realizations should be incorporated in your strategy.
4. Limit your strategies to a targeted return or risk level. Over concentration and expectation can cause a big loss of opportunity in other investments. You need to look at portfolio analysis on regular basis.
Diversification of portfolio is a method use to minimize risk factor in investments.
Helpful Tips for Mutual Fund Investors
"Mutual fund investments are subject to market risks. Please read the offer document carefully before investing." You must have heard this statement quite often on radio and TV, read it in newspapers, and seen it on any other media. This statement is in relation to mutual funds in India. What mutual fund companies are trying to say here is that there are several different types of mutual funds to suit the need of various people, which is why one must read through the investment statements carefully before investing their money.
The definition of a mutual fund can be derived from its name. It is a collection of money pooled together by a large number of investors (sources) who in turn hand it over to a fund manager to invest in a large portfolio of stocks or bonds. While fund managers take care of your investments, you need to pay them a small fee in return.
There are several different types of mutual funds in India such as Equity, Debt, Money Market, Sector Specific, and Index. There is also something known as a Mutual Fund SIP which is commonly used by people these days. SIPs or Systematic Investment Plans- are actually the manner or method of saving or investing. For example, if Karan wants to invest Rs 1, 00,000 in mutual funds he can invest it all at one go, or do it with SIPs and invest 10,000 a month for 10 months.
There are several factors that one needs to consider while investing in mutual funds.
• Find a mutual fund to match your financial profile While there may be several companies aggressively selling their mutual funds, make a wise decision and go for a plan that suits your income levels. While it is important to save, remember not to opt for a plan that makes you save more than is possible for you.
• Be aware of your fund manager’s track record It is important for you to pick a reliable and trustworthy fund manager. It is best to pick based on the amount of time the manager has been in charge of a particular fund, and whether he has delivered increasing and reliable returns over that period of time.
• Beware of short-term performances Funds that display spectacular short-term performances are often short-lived. Thus, opt for long-term investments, usually five years or more. In order to judge the credibility of the mutual fund, one would need to observe its past record, how it has fared in relation to similar funds and its overall performance.Mutual funds are one of the best investment options today. Operated through a fund manager, a group of investors purchase diverse portfolios
"Mutual fund investments are subject to market risks. Please read the offer document carefully before investing." You must have heard this statement quite often on radio and TV, read it in newspapers, and seen it on any other media. This statement is in relation to mutual funds in India. What mutual fund companies are trying to say here is that there are several different types of mutual funds to suit the need of various people, which is why one must read through the investment statements carefully before investing their money.
The definition of a mutual fund can be derived from its name. It is a collection of money pooled together by a large number of investors (sources) who in turn hand it over to a fund manager to invest in a large portfolio of stocks or bonds. While fund managers take care of your investments, you need to pay them a small fee in return.
There are several different types of mutual funds in India such as Equity, Debt, Money Market, Sector Specific, and Index. There is also something known as a Mutual Fund SIP which is commonly used by people these days. SIPs or Systematic Investment Plans- are actually the manner or method of saving or investing. For example, if Karan wants to invest Rs 1, 00,000 in mutual funds he can invest it all at one go, or do it with SIPs and invest 10,000 a month for 10 months.
There are several factors that one needs to consider while investing in mutual funds.
• Find a mutual fund to match your financial profile While there may be several companies aggressively selling their mutual funds, make a wise decision and go for a plan that suits your income levels. While it is important to save, remember not to opt for a plan that makes you save more than is possible for you.
• Be aware of your fund manager’s track record It is important for you to pick a reliable and trustworthy fund manager. It is best to pick based on the amount of time the manager has been in charge of a particular fund, and whether he has delivered increasing and reliable returns over that period of time.
• Beware of short-term performances Funds that display spectacular short-term performances are often short-lived. Thus, opt for long-term investments, usually five years or more. In order to judge the credibility of the mutual fund, one would need to observe its past record, how it has fared in relation to similar funds and its overall performance.Mutual funds are one of the best investment options today. Operated through a fund manager, a group of investors purchase diverse portfolios
A Brief Explanation about Mutual Fund Investments
To begin with, a mutual fund is a professionally managed firm of collective investments that pools money from many investors and invests it in stocks, bonds, shares, etc. It pools the savings of a number of investors with common financial goals.
How does a mutual fund investment work? Consider a group of investors who pool their money collectively with a fund manager, who in turn invests it in what he thinks are the best of securities, bonds, shares, debentures, and stocks. These securities, bonds, debentures, stocks, and shares in turn generate returns which are then passed back to the investors. One notices that this process is a whole circle and ends where it originally started.
The term ‘mutual fund’ was first coined in the year of 1963 but only picked up from the year 1987 when bigger players entered the industry and started pooling their resources. Research suggests that mutual fund investments are one of the best ways to invest a person’s money and is also one of the most popular ways today. There are different kinds of mutual funds in which one can invest. Based on the structure, there are three kinds of mutual funds:
• Open-ended funds
• Close-ended funds
• Interval funds
Based on the investment objective, there are four kinds of mutual funds:
• Growth funds
• Income funds
• Balanced funds
• Money market funds
Other schemes include tax saving schemes, index funds, special schemes, and sector specific schemes.
The working of a mutual fund is done in two ways. Suppose the amount one wants to invest is Rs. 50,000/- in the lump sum or the one-time payment method, then the Rs. 50,000/- will be put in at one shot. In the Systematic Investment Plan (SIP), one invests money on a monthly basis. Thus, the Rs. 50,000/- can be invested over 10 months, making the per month investment Rs. 5,000/-
There can be several reasons to invest in a mutual fund. The first reason is for liquidity. Thus, if one decides to liquidate one’s shares in the fund, one can easily do so. By just letting one’s broker know that one wants to sell his/her shares, it can easily be done at the end of the trading day. Diversification is also one of the primary reasons to invest in a mutual fund. Instead of investing in one particular share, one can invest in several different ones and thus diversify one's portfolio. As an individual, it is unlikely that one will be able to diversify one’s portfolio enough as the amount of capital needed will be too large. By investing in a mutual fund, one is taking advantage of the ability to pool one's funds together with those of others.
Mutual fund investments are subject to market risks. Please read the offer document carefully before investing.
To begin with, a mutual fund is a professionally managed firm of collective investments that pools money from many investors and invests it in stocks, bonds, shares, etc. It pools the savings of a number of investors with common financial goals.
How does a mutual fund investment work? Consider a group of investors who pool their money collectively with a fund manager, who in turn invests it in what he thinks are the best of securities, bonds, shares, debentures, and stocks. These securities, bonds, debentures, stocks, and shares in turn generate returns which are then passed back to the investors. One notices that this process is a whole circle and ends where it originally started.
The term ‘mutual fund’ was first coined in the year of 1963 but only picked up from the year 1987 when bigger players entered the industry and started pooling their resources. Research suggests that mutual fund investments are one of the best ways to invest a person’s money and is also one of the most popular ways today. There are different kinds of mutual funds in which one can invest. Based on the structure, there are three kinds of mutual funds:
• Open-ended funds
• Close-ended funds
• Interval funds
Based on the investment objective, there are four kinds of mutual funds:
• Growth funds
• Income funds
• Balanced funds
• Money market funds
Other schemes include tax saving schemes, index funds, special schemes, and sector specific schemes.
The working of a mutual fund is done in two ways. Suppose the amount one wants to invest is Rs. 50,000/- in the lump sum or the one-time payment method, then the Rs. 50,000/- will be put in at one shot. In the Systematic Investment Plan (SIP), one invests money on a monthly basis. Thus, the Rs. 50,000/- can be invested over 10 months, making the per month investment Rs. 5,000/-
There can be several reasons to invest in a mutual fund. The first reason is for liquidity. Thus, if one decides to liquidate one’s shares in the fund, one can easily do so. By just letting one’s broker know that one wants to sell his/her shares, it can easily be done at the end of the trading day. Diversification is also one of the primary reasons to invest in a mutual fund. Instead of investing in one particular share, one can invest in several different ones and thus diversify one's portfolio. As an individual, it is unlikely that one will be able to diversify one’s portfolio enough as the amount of capital needed will be too large. By investing in a mutual fund, one is taking advantage of the ability to pool one's funds together with those of others.
Mutual fund investments are subject to market risks. Please read the offer document carefully before investing.
Why Choose Internet Marketing?
Let’s take a look at the advantages of choosing internet marketing as an income stream or a way of doing business.
1. You can operate from virtually anywhere in the world – This is provided as long as you have a computer/laptop and internet access. Be it at home, or out traveling in other countries,you can run your business as per normal. In a traditional business, your full time presence is required whereas in an Internet business, you can run it part-time from home and afford to spare just a few hours a day. You can communicate with your customers via email even when you’re traveling and you can make changes to your websites or products being offered regardless of where you are.
2. You have the lowest startup and operating costs – This is probably one of the biggest advantages. Think about it. In a traditional business, you probably have to spend several thousand dollars just to get started. And your monthly operating costs would almost certainly take up at least a few thousand dollars even for small businesses. This can be a huge barrier for many people.On the contrary, an Internet business only requires a shoe-sting budget. There are many people who have gone on to build online businesses grossing tens ofthousands of dollars per month with only a start up capital of only a few hundred dollars.Furthermore, your monthly operating costs is a bare minimal and certainly affordable for most people. Even if you can only afford to spare $150 per month, you can still pay your web hosting and autoresponder service, and still have some spare cash left for advertising.
3. You can target any consumer market in the world – Once again, an internet business is not restricted by its geographical boundaries.
4. You have the ability to do what you truly love – Now, I’m sure most people go to work today with lots of grievances and reluctance. And I’m not surprised. Being under the command of someone else certainly ain’t rewarding regardless of how high the pay is. Furthermore, most people are forced to take up jobs in industries they do not enjoy but have no choice to remain due to financial onstraints.If given a choice, I’m sure most people would love to do something which they truly have a passion for. And guess what? An internet business can give you this luxury. You can choose to target a market which you’re absolutely passionate about.
5. Ability to do it part-time and yet earn a decent living – Regardless of whether you’re a student, a housewife, a grandmother or someone holding a full-time job, you can engage in internet marketing just by sparing a few hours a week and earn a decent income. Obviously, the more time you’re able to fork out, the higher and faster your income potential can be reached. But I’m sure not everyone is looking to make a full-time income from internet marketing . You might just be looking for a few hundred dollars of spare cash to pay your bills. That is definitely achievable even with a few hours of time put in each week.
6. Ability to operate 24 hrs a day on autopilot mode - Your internet business is able to run 24 hours a day whereas your traditional business is limited to the business week and business hours. In other words, your business working hours are not restricted and you have the potential of literally earning money even while you’re not awake or having fun.In this aspect, by referring internet marketing as a way of ‘making money while you sleep’ is relatively true as sales can definitely be made even while you’re sleeping. Nonetheless, much preparation and hard work must first be done in order to make this come true.Hence, one of the attractive aspects of internet marketing is the huge deal of automation involved. Once you set up your sales copy, payment system and also your utoresponder, your sales funnel can run on its own. Even your products are automatically delivered and you do not have to worry about any difficulties or delays in delivering your goods.
7. Lastly, the ability to earn you passive income and even multiple streams of income – I’m sure most people would love to attain financial freedom one day. However, in order to attain that status, you need to have enough passive income.First, you need to know the difference between active and passive income. Active income is what most people are earning, whereby it requires you to actively work for it. If you were to stop working one day, you do not earn any income.Passive income refers to income you will continue to receive even after you stop working. This could include interest, dividends, royalties and profits from a business. So having said so much, I believe you should be bought over by the benefits of running an online business. If you’re still not, then I honestly do not know what else will.
Let’s take a look at the advantages of choosing internet marketing as an income stream or a way of doing business.
Let’s take a look at the advantages of choosing internet marketing as an income stream or a way of doing business.
1. You can operate from virtually anywhere in the world – This is provided as long as you have a computer/laptop and internet access. Be it at home, or out traveling in other countries,you can run your business as per normal. In a traditional business, your full time presence is required whereas in an Internet business, you can run it part-time from home and afford to spare just a few hours a day. You can communicate with your customers via email even when you’re traveling and you can make changes to your websites or products being offered regardless of where you are.
2. You have the lowest startup and operating costs – This is probably one of the biggest advantages. Think about it. In a traditional business, you probably have to spend several thousand dollars just to get started. And your monthly operating costs would almost certainly take up at least a few thousand dollars even for small businesses. This can be a huge barrier for many people.On the contrary, an Internet business only requires a shoe-sting budget. There are many people who have gone on to build online businesses grossing tens ofthousands of dollars per month with only a start up capital of only a few hundred dollars.Furthermore, your monthly operating costs is a bare minimal and certainly affordable for most people. Even if you can only afford to spare $150 per month, you can still pay your web hosting and autoresponder service, and still have some spare cash left for advertising.
3. You can target any consumer market in the world – Once again, an internet business is not restricted by its geographical boundaries.
4. You have the ability to do what you truly love – Now, I’m sure most people go to work today with lots of grievances and reluctance. And I’m not surprised. Being under the command of someone else certainly ain’t rewarding regardless of how high the pay is. Furthermore, most people are forced to take up jobs in industries they do not enjoy but have no choice to remain due to financial onstraints.If given a choice, I’m sure most people would love to do something which they truly have a passion for. And guess what? An internet business can give you this luxury. You can choose to target a market which you’re absolutely passionate about.
5. Ability to do it part-time and yet earn a decent living – Regardless of whether you’re a student, a housewife, a grandmother or someone holding a full-time job, you can engage in internet marketing just by sparing a few hours a week and earn a decent income. Obviously, the more time you’re able to fork out, the higher and faster your income potential can be reached. But I’m sure not everyone is looking to make a full-time income from internet marketing . You might just be looking for a few hundred dollars of spare cash to pay your bills. That is definitely achievable even with a few hours of time put in each week.
6. Ability to operate 24 hrs a day on autopilot mode - Your internet business is able to run 24 hours a day whereas your traditional business is limited to the business week and business hours. In other words, your business working hours are not restricted and you have the potential of literally earning money even while you’re not awake or having fun.In this aspect, by referring internet marketing as a way of ‘making money while you sleep’ is relatively true as sales can definitely be made even while you’re sleeping. Nonetheless, much preparation and hard work must first be done in order to make this come true.Hence, one of the attractive aspects of internet marketing is the huge deal of automation involved. Once you set up your sales copy, payment system and also your utoresponder, your sales funnel can run on its own. Even your products are automatically delivered and you do not have to worry about any difficulties or delays in delivering your goods.
7. Lastly, the ability to earn you passive income and even multiple streams of income – I’m sure most people would love to attain financial freedom one day. However, in order to attain that status, you need to have enough passive income.First, you need to know the difference between active and passive income. Active income is what most people are earning, whereby it requires you to actively work for it. If you were to stop working one day, you do not earn any income.Passive income refers to income you will continue to receive even after you stop working. This could include interest, dividends, royalties and profits from a business. So having said so much, I believe you should be bought over by the benefits of running an online business. If you’re still not, then I honestly do not know what else will.
Let’s take a look at the advantages of choosing internet marketing as an income stream or a way of doing business.
Internet marketing advice you can trust
Although the internet has made it possible to serve customers all over the world, there is still a need for a local presence and connection between some firms and suppliers. This is true for your company and the potential customers it wants to develop but is also true about the partners it works with. Developing a website or sales page may be easy enough for some firms but bringing customers to that page or developing relationships can be harder. This is where the support of an internet marketing Orange County company could make all the difference.
Having a great looking and effective website is one of the most important issues for any firm and should be something that they look for help with from an internet marketing Orange County company. However, it is the driving of traffic and gaining good search engine results that will allow customers to find your site. If you have an interest in websites, you will have heard of search engine optimization (SEO) but you may not know how best to get about it. The search engine companies do not release the analytic behind their search results, so it can be hard to get it right first time.
This is where seeking the assistance of an internet marketing Orange County company can see your website rank highly on the keywords you want to be known for. There is an increasing trend for localized and niche results on Google and other important search engines and working with experts that are up to date with these changes will give you a great chance of being found by potential customers.
There is also a need to look beyond SEO and address other issues about the site and its interactions with clients. After all, if it was merely about SEO, every firm would be on a similar level. If you have a product or service that you really believe in but need some help in making the public aware of it, gaining professional help is the most sensible option. Working with an internet marketing Orange County expert or firm will give you the helping hand you require to reach the client base you want.This is where seeking the assistance of an internet marketing Orange County company can see your website rank highly on the keywords...
Although the internet has made it possible to serve customers all over the world, there is still a need for a local presence and connection between some firms and suppliers. This is true for your company and the potential customers it wants to develop but is also true about the partners it works with. Developing a website or sales page may be easy enough for some firms but bringing customers to that page or developing relationships can be harder. This is where the support of an internet marketing Orange County company could make all the difference.
Having a great looking and effective website is one of the most important issues for any firm and should be something that they look for help with from an internet marketing Orange County company. However, it is the driving of traffic and gaining good search engine results that will allow customers to find your site. If you have an interest in websites, you will have heard of search engine optimization (SEO) but you may not know how best to get about it. The search engine companies do not release the analytic behind their search results, so it can be hard to get it right first time.
This is where seeking the assistance of an internet marketing Orange County company can see your website rank highly on the keywords you want to be known for. There is an increasing trend for localized and niche results on Google and other important search engines and working with experts that are up to date with these changes will give you a great chance of being found by potential customers.
There is also a need to look beyond SEO and address other issues about the site and its interactions with clients. After all, if it was merely about SEO, every firm would be on a similar level. If you have a product or service that you really believe in but need some help in making the public aware of it, gaining professional help is the most sensible option. Working with an internet marketing Orange County expert or firm will give you the helping hand you require to reach the client base you want.This is where seeking the assistance of an internet marketing Orange County company can see your website rank highly on the keywords...
Value of a Good PPC Advertising Program
Paid search has emerged as one of the most effective tools used for doing internet marketing. The leading pioneer in this field is Google search engine that takes away the major profit chunk of paid search due to AdWords which is PPC (pay per click) services given by this search engine. Earlier the methods of online marketing are losing its shine due to introduction of more productive advertising methods like PPC and other popular ones. Some people have the myth that pay par click packages are very costly but in reality, when certain mistake is committed in it, the user has to bear more costs. Basic rules and regulations have to be followed when optimizing your website using pay per click packages.
Pay per click advertising is rising very fast on popularity charts as a result advertisers prefer this method due to its simplicity of use and better hold on their respective ad plans. If talk about feedback, the advertisers receive it in much more polished way. As a part of online marketing the present day advertisers are required to gain expertise in PPC. Thus that is the primary reason why big companies also have specialized PPC packages for their companies.
For first time users of pay per click advertising services, they should first understand the basics and its strategies that can be used to make greater profits out of this advertisement plan. The bigger programs need correct planning and organization to achieve success. Although this entire process might seem very easy, but if not handled properly you could lose large amount of money.
The companies can make very high profits and more sales if the PPC packages are managed and planned accordingly. Hence you can do online marketing by keeping your budget in check. Google and Yahoo search engines enjoy the sharing of biggest market share of PPC advertising. In Google the targeted ads are paid on pay per click basis by its program known as ‘AdWords’ which is done by the websites. In Yahoo the ‘Yahoo search marketing’ program does the work of selection of good PPC advertising programs.
You can find many PPC advertising programs that have proved its profitability for the target customers. This advertising program does not require specialized skills, content designing or link building. Right from small to big companies this method is liked by all and they do this to make more profits. You can take help from a professional SEO company who can handle it properly.
The article is about the importance of pay per click advertising services.
Paid search has emerged as one of the most effective tools used for doing internet marketing. The leading pioneer in this field is Google search engine that takes away the major profit chunk of paid search due to AdWords which is PPC (pay per click) services given by this search engine. Earlier the methods of online marketing are losing its shine due to introduction of more productive advertising methods like PPC and other popular ones. Some people have the myth that pay par click packages are very costly but in reality, when certain mistake is committed in it, the user has to bear more costs. Basic rules and regulations have to be followed when optimizing your website using pay per click packages.
Pay per click advertising is rising very fast on popularity charts as a result advertisers prefer this method due to its simplicity of use and better hold on their respective ad plans. If talk about feedback, the advertisers receive it in much more polished way. As a part of online marketing the present day advertisers are required to gain expertise in PPC. Thus that is the primary reason why big companies also have specialized PPC packages for their companies.
For first time users of pay per click advertising services, they should first understand the basics and its strategies that can be used to make greater profits out of this advertisement plan. The bigger programs need correct planning and organization to achieve success. Although this entire process might seem very easy, but if not handled properly you could lose large amount of money.
The companies can make very high profits and more sales if the PPC packages are managed and planned accordingly. Hence you can do online marketing by keeping your budget in check. Google and Yahoo search engines enjoy the sharing of biggest market share of PPC advertising. In Google the targeted ads are paid on pay per click basis by its program known as ‘AdWords’ which is done by the websites. In Yahoo the ‘Yahoo search marketing’ program does the work of selection of good PPC advertising programs.
You can find many PPC advertising programs that have proved its profitability for the target customers. This advertising program does not require specialized skills, content designing or link building. Right from small to big companies this method is liked by all and they do this to make more profits. You can take help from a professional SEO company who can handle it properly.
The article is about the importance of pay per click advertising services.
Business Promotion Through Search Engine Marketing
SEM stands for Search engine marketing. Through SEM we can promote our website in era of the competition. Today, in competition of business or advertisement or etc, everyone wants to promote their business or brand. For business, businessmen try to save time and a bit of money. People want to grow business in short time. There are some internet strategies which help us to promote our business in short time and achieving success.
Internet marketing
Email marketing: This is an extremely good service to communicate with visitors. By using email you can encourage and convince customer to buy your product. By adding advertisements to e-mails sent by other companies to their customers, we can get many customers.
Affiliate marketing: Is officially connected business between merchants and owners. So customers can get good and profitable services.
Pay per click management:It helps you to get organic or natural ranking for promoting your business online. Search engine optimization is slow process that takes long time to get natural listing in search engines.Pay Per Click Internet Marketing effectively complements our business or sites to grow fast in search engines.
Google AdWords optimization: AdWords is Google’s advertising product which offers pay-per-click advertisement, advertising for text, banner and video etc. There are some AdWords contain to optimize: Survey of keywords, landing pages, Keyword matching, fresh copy, Geo targeting and limit of search parameters etc.
Online advertisement: Is online promotion through direct target clients or visitors. This strategy is used for quicker business development. Through advertise, visitors come to know about product and its rate at first. Online advertisement is easier than traditional media’s advertisement. Advertisers have the ability to test of visitors or customers. Today video marketing has become hugely popular, so you can show your ad with in video and get huge number of customers from major video sites like You tube, Meta cafe, Vimeo etc… they all offers ads on their video websites.
There are other two services which are provided by Google, Yahoo and MSN etc. Pay to search engines and get your site listed on top of the results. If you want your site to grow up naturally then you need to have a passion and should work with patience, it will take long time to achieve top position in marketing world. But if you have not long time to wait and want to grow fast to the top of search engines, you can pay search engines and it will show your site on top without any efforts so it's too excellent marketing service. But visitors and search engine mostly trust on natural results. But if you have not any other way to achieve the top position in short time, it’s the fastest way and extremely good service to get visitors or customers from search engines.Search Engine Marketing is the process to make your business grow on international level.
SEM stands for Search engine marketing. Through SEM we can promote our website in era of the competition. Today, in competition of business or advertisement or etc, everyone wants to promote their business or brand. For business, businessmen try to save time and a bit of money. People want to grow business in short time. There are some internet strategies which help us to promote our business in short time and achieving success.
Internet marketing
Email marketing: This is an extremely good service to communicate with visitors. By using email you can encourage and convince customer to buy your product. By adding advertisements to e-mails sent by other companies to their customers, we can get many customers.
Affiliate marketing: Is officially connected business between merchants and owners. So customers can get good and profitable services.
Pay per click management:It helps you to get organic or natural ranking for promoting your business online. Search engine optimization is slow process that takes long time to get natural listing in search engines.Pay Per Click Internet Marketing effectively complements our business or sites to grow fast in search engines.
Google AdWords optimization: AdWords is Google’s advertising product which offers pay-per-click advertisement, advertising for text, banner and video etc. There are some AdWords contain to optimize: Survey of keywords, landing pages, Keyword matching, fresh copy, Geo targeting and limit of search parameters etc.
Online advertisement: Is online promotion through direct target clients or visitors. This strategy is used for quicker business development. Through advertise, visitors come to know about product and its rate at first. Online advertisement is easier than traditional media’s advertisement. Advertisers have the ability to test of visitors or customers. Today video marketing has become hugely popular, so you can show your ad with in video and get huge number of customers from major video sites like You tube, Meta cafe, Vimeo etc… they all offers ads on their video websites.
There are other two services which are provided by Google, Yahoo and MSN etc. Pay to search engines and get your site listed on top of the results. If you want your site to grow up naturally then you need to have a passion and should work with patience, it will take long time to achieve top position in marketing world. But if you have not long time to wait and want to grow fast to the top of search engines, you can pay search engines and it will show your site on top without any efforts so it's too excellent marketing service. But visitors and search engine mostly trust on natural results. But if you have not any other way to achieve the top position in short time, it’s the fastest way and extremely good service to get visitors or customers from search engines.Search Engine Marketing is the process to make your business grow on international level.
Manual Directory Submission - The Importance of a Quality Service
The best method to use if you wish to see your website rankings on major search engines improve, is manual directory submission. When approched in the right manner, it can be a very important aspect of the website’s growth and popularity, leading to large numbers of traffic to the site.
Major search engines like Google actually prefer manual submisison over automatic submissions. Directories include a lot of information about the site, which makes the whole exercise more effective. Further, automated submissions get listed as SPAM which can get a site banned. To avoid any problems it is best to go the manual route to submit to directories.
It is highly advisable to choose a reputed manual submission service to undertake submissions manually to directories, for your company. There are many advantages to submitting directories, but you need to be aware that manual submission is both time consuming and tedious. In this article we look at how a manual directory submission service can help you tap into the real benefits of submitting your website to directories.
Submission to website directories has two distinct advantages; it is the perfect solution to acquire excellent rankings on the search engine’s page rank results. It is also a good way to obtain a larger volume of one way links for your site.
Submitting to 10-15 directories does not help your cause much, but a directory submission service will help you to submit to as many as 100 or more directories. They assist in sourcing directories that have specific categories related to your product or service or the closest match possible. You can consider it money well spent to have someone undertake this job for you.
A good directory submission company knows all the SEO friendly directories to list your site with. SEO friendly directories will give you back links that the search engines like very much. The company will also ensure that the links are directed to your site rather than redirects that have no value for your business.
Web directories are reviewed by real people who prefer to deal with manual submissions rather than automated submissions, which become too much to deal with.
Each directory is unique in its own way and has different target audiences. When search engine optimization is done correctly your advertisement stands out from the crowd. This makes it easier to search and locate and more people will find their way to your site from the links provided. It is very important to make sure your web content is well written and even more important that it is positioned just right. Nothing worse than having poor content that gets ignored simply because you are not optimized by the search engines.
In closing, you need to be aware that many of the directories do not accept automated submissions, therefore, choosing a good manual directory submission service will benefit your website greatly. You need an expert to do directory submissions at a professional level to give you the greatest leverage over your competitors.What could be worse than making poor content submissions to directories that only ends up being ignored by the search engines? Manual directory submission service helps you to make the right directory submisson selection to maximize search engine optimization.
The best method to use if you wish to see your website rankings on major search engines improve, is manual directory submission. When approched in the right manner, it can be a very important aspect of the website’s growth and popularity, leading to large numbers of traffic to the site.
Major search engines like Google actually prefer manual submisison over automatic submissions. Directories include a lot of information about the site, which makes the whole exercise more effective. Further, automated submissions get listed as SPAM which can get a site banned. To avoid any problems it is best to go the manual route to submit to directories.
It is highly advisable to choose a reputed manual submission service to undertake submissions manually to directories, for your company. There are many advantages to submitting directories, but you need to be aware that manual submission is both time consuming and tedious. In this article we look at how a manual directory submission service can help you tap into the real benefits of submitting your website to directories.
Submission to website directories has two distinct advantages; it is the perfect solution to acquire excellent rankings on the search engine’s page rank results. It is also a good way to obtain a larger volume of one way links for your site.
Submitting to 10-15 directories does not help your cause much, but a directory submission service will help you to submit to as many as 100 or more directories. They assist in sourcing directories that have specific categories related to your product or service or the closest match possible. You can consider it money well spent to have someone undertake this job for you.
A good directory submission company knows all the SEO friendly directories to list your site with. SEO friendly directories will give you back links that the search engines like very much. The company will also ensure that the links are directed to your site rather than redirects that have no value for your business.
Web directories are reviewed by real people who prefer to deal with manual submissions rather than automated submissions, which become too much to deal with.
Each directory is unique in its own way and has different target audiences. When search engine optimization is done correctly your advertisement stands out from the crowd. This makes it easier to search and locate and more people will find their way to your site from the links provided. It is very important to make sure your web content is well written and even more important that it is positioned just right. Nothing worse than having poor content that gets ignored simply because you are not optimized by the search engines.
In closing, you need to be aware that many of the directories do not accept automated submissions, therefore, choosing a good manual directory submission service will benefit your website greatly. You need an expert to do directory submissions at a professional level to give you the greatest leverage over your competitors.What could be worse than making poor content submissions to directories that only ends up being ignored by the search engines? Manual directory submission service helps you to make the right directory submisson selection to maximize search engine optimization.
Ad Swapping: An Effective and Easy Way to Generate Traffic and Boost Link Popularity
As taxes are the lifeblood of a nation, traffic is the lifeblood of any online business. Every business in the online industry needs traffic as this keeps their business competitive and profitable, thus it is a must for online marketers to make sure that they get lots of traffic. Some marketers spend thousands of dollars to pay for a particular ad, while small time business prefers to get traffic for free. In this article, let me introduce to you a simple yet effective way of generating traffic to your site – Ad Swapping or Ad Swaps – and the good news is – it’s absolutely free.
What is Ad Swapping?
Ad swap or advertisement swap is an internal agreement with other websites to exchange ads in each other’s sites. This is basically done to gain website exposure and lead traffic to one’s website with the help of the partner’s site and vice versa. The main goal of ad swapping is to expand your market by getting the necessary exposure in other sites and blogs for free. The link value that you are getting is irrelevant as you are not after the improvement of your search engine rank. Though this will in some way help in improving your search engine rank, the effect is on the number of visitors that are being led to your site. In other words, this is a way of getting quality traffic for free without any help from search engines.
Types of Ads
The types of ad you can set up for an ad swap includes banners, RSS feed ads, text links, and email newsletter opt-in forms.
The success of ad swaps can be gauged with tracking links and analytics. That way both parties can measure the amount of traffic they are receiving.
In a nutshell, the number of visitors that the campaign leads to your website is the yardstick of its success.
Things to Consider for a Successful Ad Swap
1. At least two websites with steady flow of traffic – It doesn’t matter if its 200 or 1,000 hits per day as long as the site has regular visitors, then it is fine. To be fair it is best if the websites in which ad swapping will be done has a very similar, if not equal, number of visitors per day.
2. Ad Location – Make sure that the ads are located in readily visible area. It helps a lot if the ads swapped maintain equivalent formats, which means that swapped ads should be placed in an area where both of the sites will be getting the same number of visitors.
3. Common Business Niche – The advantage of being in the same niche is that the visitors of both websites have an established interest in the nature of the content being viewed. Ad swapping will give better result when ads are placed in a site or page that is relevant to your blog or website.
4. Avoid Conflict in Content – This is corollary to item 3. It only makes sense to avoid engaging in ad swapping with a website that contradicts your brand or service. This will only lead to customer confusion which would not benefit you in any way.
5. Maximize Swapping Opportunities – Since ad space is a limited resource, you have to make sure that you carefully select your swap partners. Getting the right website to swap ads with will provide you with maximum exposure. So, how are you going to do this? How can you make sure that the ads you’re swapping with are the correct ones? Simple – use a keyword research tool that will not only show you ads belonging to the same niche, but will also give you a peak on those that are targeting the same or similar keywords. KeywordSpy can do all of this as it will not only give you the information above, but will also help you determine which among the ads using your keywords are generating traffic and income. KeywordSpy will give you all the information that you need and all you have to do is to analyze them and then swap ads accordingly.
Ad swapping is a cost-effective means of increasing internet traffic. However, establishing sustainable and productive partnerships take a long time. Communication is the key to ensure that your prospects understand the benefit of undertaking an ad swapping campaign with you. As with any other business, maintaining your integrity will get you a long way.
As taxes are the lifeblood of a nation, traffic is the lifeblood of any online business. Every business in the online industry needs traffic as this keeps their business competitive and profitable, thus it is a must for online marketers to make sure that they get lots of traffic. Some marketers spend thousands of dollars to pay for a particular ad, while small time business prefers to get traffic for free. In this article, let me introduce to you a simple yet effective way of generating traffic to your site – Ad Swapping or Ad Swaps – and the good news is – it’s absolutely free.
What is Ad Swapping?
Ad swap or advertisement swap is an internal agreement with other websites to exchange ads in each other’s sites. This is basically done to gain website exposure and lead traffic to one’s website with the help of the partner’s site and vice versa. The main goal of ad swapping is to expand your market by getting the necessary exposure in other sites and blogs for free. The link value that you are getting is irrelevant as you are not after the improvement of your search engine rank. Though this will in some way help in improving your search engine rank, the effect is on the number of visitors that are being led to your site. In other words, this is a way of getting quality traffic for free without any help from search engines.
Types of Ads
The types of ad you can set up for an ad swap includes banners, RSS feed ads, text links, and email newsletter opt-in forms.
The success of ad swaps can be gauged with tracking links and analytics. That way both parties can measure the amount of traffic they are receiving.
In a nutshell, the number of visitors that the campaign leads to your website is the yardstick of its success.
Things to Consider for a Successful Ad Swap
1. At least two websites with steady flow of traffic – It doesn’t matter if its 200 or 1,000 hits per day as long as the site has regular visitors, then it is fine. To be fair it is best if the websites in which ad swapping will be done has a very similar, if not equal, number of visitors per day.
2. Ad Location – Make sure that the ads are located in readily visible area. It helps a lot if the ads swapped maintain equivalent formats, which means that swapped ads should be placed in an area where both of the sites will be getting the same number of visitors.
3. Common Business Niche – The advantage of being in the same niche is that the visitors of both websites have an established interest in the nature of the content being viewed. Ad swapping will give better result when ads are placed in a site or page that is relevant to your blog or website.
4. Avoid Conflict in Content – This is corollary to item 3. It only makes sense to avoid engaging in ad swapping with a website that contradicts your brand or service. This will only lead to customer confusion which would not benefit you in any way.
5. Maximize Swapping Opportunities – Since ad space is a limited resource, you have to make sure that you carefully select your swap partners. Getting the right website to swap ads with will provide you with maximum exposure. So, how are you going to do this? How can you make sure that the ads you’re swapping with are the correct ones? Simple – use a keyword research tool that will not only show you ads belonging to the same niche, but will also give you a peak on those that are targeting the same or similar keywords. KeywordSpy can do all of this as it will not only give you the information above, but will also help you determine which among the ads using your keywords are generating traffic and income. KeywordSpy will give you all the information that you need and all you have to do is to analyze them and then swap ads accordingly.
Ad swapping is a cost-effective means of increasing internet traffic. However, establishing sustainable and productive partnerships take a long time. Communication is the key to ensure that your prospects understand the benefit of undertaking an ad swapping campaign with you. As with any other business, maintaining your integrity will get you a long way.
