Control expenses
No-fee savings accounts
Housing market news
domenica 19 ottobre 2008
Money, investment, reduce debt, no fee saving accounts and housing markets
Investment strategies
Investment strategy
From Wikipedia, the free encyclopedia
Jump to: navigation, search
In finance, an investment strategy is a set of rules, behaviors or procedures, designed to guide an investor's selection of an investment portfolio. Usually the strategy will be designed around the investor's risk-return tradeoff: some investors will prefer to maximize expected returns by investing in risky assets, others will prefer to minimize risk, but most will select a strategy somewhere in between.
Passive strategies are often used to minimize transaction costs, and active strategies such as market timing are an attempt to maximize returns.
One of the better known investment strategies is buy and hold. Buy and hold is a long term investment strategy, based on the concept that in the long run equity markets give a good rate of return despite periods of volatility or decline. A purely passive variant of this strategy is indexing where an investor buys a small proportion of all the shares in a market index such as the S&P 500, or more likely, in a mutual fund called an index fund.
This viewpoint also holds that market timing, that one can enter the market on the lows and sell on the highs, does not work or does not work for small investors, so it is better to simply buy and hold. The smaller, retail investor more typically uses the buy and hold investment strategy in real estate investment where the holding period is typically the lifespan of their mortgage.
Investment strategy
From Wikipedia, the free encyclopedia
Jump to: navigation, search
In finance, an investment strategy is a set of rules, behaviors or procedures, designed to guide an investor's selection of an investment portfolio. Usually the strategy will be designed around the investor's risk-return tradeoff: some investors will prefer to maximize expected returns by investing in risky assets, others will prefer to minimize risk, but most will select a strategy somewhere in between.
Passive strategies are often used to minimize transaction costs, and active strategies such as market timing are an attempt to maximize returns.
One of the better known investment strategies is buy and hold. Buy and hold is a long term investment strategy, based on the concept that in the long run equity markets give a good rate of return despite periods of volatility or decline. A purely passive variant of this strategy is indexing where an investor buys a small proportion of all the shares in a market index such as the S&P 500, or more likely, in a mutual fund called an index fund.
This viewpoint also holds that market timing, that one can enter the market on the lows and sell on the highs, does not work or does not work for small investors, so it is better to simply buy and hold. The smaller, retail investor more typically uses the buy and hold investment strategy in real estate investment where the holding period is typically the lifespan of their mortgage.
mercoledì 15 ottobre 2008
Business Startups: Start own business today
Biz Startup Basics
By David R. Butcher
About 7 percent of the U.S. population is in the process of starting a business at any given time, according to the National Federation of Independent Business. Here are some basic need-to-knows for starting your own.
Tired of working for The Man? There are plenty of advantages associated with starting your own business. Perhaps the biggest advantage is you become your own boss and take control of your own future rather than being at the mercy of upper management.
Of course, there is also plenty of hard work required in starting your own business. So where does one begin?
Foremost, upon coming up with an idea, product or service, put it down on paper. You're more likely to succeed if you have a plan, charting your way to financial success.
Read this whole helpful article here
By David R. Butcher
About 7 percent of the U.S. population is in the process of starting a business at any given time, according to the National Federation of Independent Business. Here are some basic need-to-knows for starting your own.
Tired of working for The Man? There are plenty of advantages associated with starting your own business. Perhaps the biggest advantage is you become your own boss and take control of your own future rather than being at the mercy of upper management.
Of course, there is also plenty of hard work required in starting your own business. So where does one begin?
Foremost, upon coming up with an idea, product or service, put it down on paper. You're more likely to succeed if you have a plan, charting your way to financial success.
Read this whole helpful article here
mercoledì 1 ottobre 2008
Start your own business
How to Start Your Own Import Export Business
The following article aims to assist would-be businessmen and beginners who intend to promote and sell their products or procure their stock in trade, capital assets, to or from the international market, respectively.
IMPORTATION:
1. Register your business and ensure that all licenses and other legal requirements have been complied with.
2. Obtain a list of suppliers dealing in the products you wish to import and select the most dependable. Do a comprehensive research on the industry. This can be done with the assistance of your bankers through their correspondents overseas.
3. Obtain a pro-forma invoice or firm offer from your selected supplier. Make sure that their quotation includes, among others, the terms of shipment such as FOB, C&F, or CIF. Payment for imports can be done in the following manner:
a.) By Letter of Credit (L/C) - Once you have agreed with your supplier on the pricing and other terms and conditions of your purchase, open a letter of credit with your bank. Depending on the agreement with your supplier, the L/C can either be sight or usance, revocable or irrevocable, confirmed or unconfirmed. Under a sight L/C, payment for the goods are made upon presentation of the documents from the supplier through your bankers (which is commonly the L/C opening bank) regardless whether or not you have received the goods imported. Under usance L/C, payment is made at a later day, after 30, 60, 90 or 120 days. A revocable L/C is one which you can revoke even without the consent of your supplier. A confirmed L/C is one by which the L/C advising bank, by virtue of their confirmation of the L/C, is liable to pay your supplier the value of the imported goods should the L/C opening bank be unable to pay your supplier for some reason.
b.) By Open Account (O/A) - Payment is made at a later date depending on your agreement with the supplier.
c.) By Documents Against Payment (D/P) - Under this mode of payment, you have to effect the payment of the imported goods upon presentation of the import documents by the bank.
d.) By Documents Against Acceptance (D/A) - Under this mode, the documents are forwarded to you through an appointed bank in your locality and upon your acceptance, (i.e. signing the relative document signifying your acceptance of the liability) the bank then surrenders the documents to you, and payment will be made later, after 15, 30, 45 or 60 days depending on your agreement with the supplier.
e.) By Prepayment - Advance payment must be made before supplier ships the goods
Note that the basic import documents consist mainly, but are not limited to, original Bills of Lading (B/L) or Airway Bill; original Commercial Invoice; original Packing List; or any such other original documents which you may require. These documents are necessary so the importer can secure the release of the imported goods from the shipping/airline companies and customs authorities.
EXPORTATION:
1. Register your business ensuring that all requirements have been complied with.
2. Choose the products that you are going to export and ascertain from the difference governmental agencies that these are not banned items. Where necessary, obtain a list of all the documents that are required especially for regulated products. If you produce or manufacture your own products for export, know your production capacity. If you subcontract the production of your goods, know the production capacity of all your subcontractors.
3. Open an account with a bank with international connections or one with correspondents in the locality of your customers.
4. Where necessary, obtain a background check of all your would-be customers through the aid of your bankers.
5. From new buyers, always insist on prepayment before you ship your goods.
6. If you agree on payment by Letter of Credit (L/C), ensure that the L/C is irrevocable and at sight.
7. Try to understand the different modes of payment for international trade, as discussed above, under Importation.
This is a simple step-by-step guide on import and export procedures. While requirements may vary from country to country, the general and basic procedures are essentially the same.
Source: Free Articles
About the Author
For more Business Articles by Ian Williamson please visit http://www.real-articles.com/Category/Business/206
Iscriviti a:
Post (Atom)
