Are You Thinking About Investing Internally In Stocks?

One of the big challenges an investor faces on a daily basis is market risk.

Working hard to satisfy your investment goals while at the same time limiting your risk and exposure to volatility takes a solid strategy, reliable information, and a patience like no other.

Sure, we've all heard stories of the home run hiring investor who laid his money down and made a "killing" in a stock.

These are the kinds of tales that grab the headlines and attract the interest of the "fast buck players."

"Steady as she goes" would be a more realistic view of how to invest. It is difficult to just wait for an investment to climb in value, but without patience and the fortitude to keep a long-term mindset, you're probably going to miss out on a solid move.

Using what could be called a butterfly approach and jumping from one hot stock tip to another can be the riskiest investment play of all.

Being patient is not enough though. If what you are investing in is oozing with risk, patience may not be the key to success. You devote your patience to solid investments and those with limited risk.

If you are an investor or contemplating investing in the various financial markets and instruments available, you must get into the flow of information.

Catching a thirty second or two minute report stating a company making an innovative new product that is going to revolutionize the industry should not be considered a call to action.

If you do not understand what you're being told to invest in … do not invest. Not having an understanding of what your money is invested in is comparable to sitting down at a high-stakes poker game without understanding the marks on the cards.

If you do not have basic investment knowledge to guide your decisions, your chances of making the right choices are limited.

It's simple; have a basic knowledge of how the markets work; have an understanding of what it is that you are interested in investing your money in; and most importantly, understand the upside and downside scenarios, in other words, what are the risks and more specifically the risk of losing your entire investment.

If you feel that the risk of putting all your investment dollars in the stock markets in the US is too great, perhaps diversifying into stocks from other countries is worth examining.

The mindset for many is that if the stock markets at home are suffering, there may be markets abroad that offer opportunity, because bad economic news on one front may be great news in another part of the world.

A quick example of such news would be the trade figures. If the US is witnessing a rise in imports month after month, you have to ask yourself; where are we importing from and what are we importing?

This could have the clue to invest in a company that consistently exports to the United States and the amount of its exports (in dollars) keeps rising.

On a more basic level; If a football team is having a terrible season, there is probably a team that is having a great season.

Think of it as; when two teams compete someone wins and in world economies, someone's bad economic news typically translates to someone else's fortune.

When you read a headline or story about some bad economic figures … ask yourself, "Who is on the other side of this?"

Who did well that directed in the US doing poorly? If the US did great, who suffered? Is this a trend? Is the company or industry showing real value in their stock price now?

Could this be just a fluke and there's a buying opportunity?

It pays to look past the headline and the story and into what made the story. Everybody hears news, but going the extra step and finding out what caused the news will give you better market insight.

If you think that you want to diversify in the international markets, you have to take into consideration what you stand to gain versus what you could possibly lose.

Currency fluctuation can boost a return on an investment. If the currency of a country you invest in increases against the dollar, when it comes time to sell, you'll get more dollars.

However, that can also work against you; the dollar increases against the currency of the country of the company you have invested in … and you'll get back fewer dollars.

Obviously, you want your stock to rise and a sweetener is getting a dividend (if it pays one) in the meanime. Keep in mind, markets rise and fall and companies announce separation suspensions, eliminations, or reductions.

This can happen in any of the world markets, not just at home.

Before you get too excited about international investment, you should understand that the US is not the only country where interest rates rise and fall.

The currency issue I mentioned, but worth mentioning again, currency fluctuations can hurt you.

In the US, you are fortunately because companies that list on the exchanges have to reveal a lot of information about themselves before they can be listed.

The rules are not the same all over the world, so investigate on your own, rather than trusting only what is offered to the public.

This would be of particular interest when it comes to the accounting methods of the companies and how they compute corporate and individual investor taxes.

Committing a portion of your investment dollars can be exciting and rewarding, but if you are not a savvy investor with a deep understanding of world markets, currency exchanges, tax laws, accounting, and company reporting practices, your personal investment risk will be very high .

I always suggest seeking professional advice when making any investment, be it; financial instruments, real estate, precious metals, or any of the other opportunities offered.

Take note, if you want to invest internationally there are alternatives to going directly to a foreign market and opening an account.

You may wish to investigate the various international mutual fund offerings, foreign companies that list directly on the US exchanges, or those that are offered through what are called American Depository Receipts.

The foreign markets always look inviting when our markets at home are showing some volatility, but with so many sectors in the US markets to choose from, it's not always smart to jump the fence into the yard with the grass that looks greener.

The more knowledgeable you are about investing, the better investor you will become. Multiple resources will provide varied opinions.

What one analyst loves, another analyst may dislike. Do your own research and do a lot of it, before jumping into the stock market because someone told you it's the thing to do.

"There are only two ways that you make money; you work and your money works … make your money sweat." -Lazz Laszlo

Rebuild Your Credit With A Prepaid Credit Card

It can be pretty tough when your credit is bad and it is next to impossible to get credit when you need it. Most major credit card companies will not talk to you, and a lender – well, forget about it. There is a way, though, out of the tough situation with a prepaid credit card. Here is what you can do with a prepaid credit card to help rebuild your credit score.

Need A Bad Credit Rating

One of the best things about a prepaid credit card is that it was designed for people with bad credit. In fact, that is one of the qualifications. There will not be any check on your credit rating, or your employment. Anyone can get one of these credit cards, but you will need to deposit a cash amount equal to the credit limit you want. This lets you know that it operates on a debit basis – no actual credit is given.

Get A Card That Reports To A Credit Bureau

Not many prepaid credit cards actually report to a credit bureau. That is, however, the kind of card that you want to get. While others make having cash handy, it really will not help you (or anyone with bad credit) in the long run.

Watch The Fees

Prepaid credit cards often come with a number of fees. You should compare one card with another in order to get the fewest fees. In order to get a prepaid credit card that reports to a credit bureau, you will probably have to pay an annual fee – could be as high as $ 100.

Look For Benefits

Most prepaid cards do not come with any benefits, but some do. You can get points, like on a regular credit card, that are useable for a few benefits – like free phone time, and more.

No Credit Card Abuse

Another good thing about these credit cards is that you can never go over your limit, or have to pay any late fees or interest. (Hey, this is sounding better all the time). This means that if it reports to a credit bureau, that it would be impossible to get a lower score than what you may already have with this kind of card.

Easily Put Cash On Your Card

Most prepaid cards will allow you to easily put credit on it from just about anywhere. You can even put your paycheck onto it by Direct Deposit.

Use It Like A Credit Card

A number of these prepaid credit cards can be used in the same way as a credit card. You can set up automatic bill payments, purchase things online, or over the phone. If you want this feature, however, be sure that the ad says that you can do this.

Like any other credit card, you will want to compare features and fees in order to find the best prepaid credit card for your needs. While most of them are similar, the fees vary broadly. Since no qualifications are needed, why not get the best?

Learn The Steps To a Successful E-Commerce Business

Have you ever imagined living a life without cars which means trekking long distances, without tractors and the likes which means tilling the soil with hoes, without basically the things that’ll make living easier and enjoyable but all thanks to technology and its inventions we have everything at our finger tips. And yes this has widened our horizon and everyone thinks it’s amazing owning a business cause once technology is involved, it can be swift and interesting.

We have various kind of businesses that have thrived and survived but our focus here is E-commerce and what is entailed setting up such. Its true there are many benefits that come with owning a business like being called a C.E.O or M.D, having that big catchy brand name, great siting of business premises with its frivolities, flamboyance and of course the most sought after which is the ‘steady profit and income’. But many a times, focus is lost as to the issues and difficulties encountered alongside the startup, let’s have a quick overview of e-commerce.

What Is E-commerce?

Have you at one point in time purchased shoes or clothes via the internet, sold your phone or gadget using your laptops or even had one or two bank transactions using the online method? If yes, you’ve taken part in e-commerce, if no then stay tuned as it’s served you now. E-commerce is an abbreviation of electronic commerce which can be defined as a platform, method or business model established for sellers and buyers for the sole purpose of carrying out business transactions of buying and selling through electronic medium. And stores that function by selling their products online are referred to as electronic commerce (e-commerce) stores and we have them around us. This platform allows customers to successfully exchange goods and services without the time or distance barrier coming between the parties involved and this has helped bring about good customer base and fostered unity across the globe.

Starting-up Your Successful E-commerce Business.

Starting up a successful e-commerce has a lot entailed as there are many things to look out for while starting up, you need to get started in the right direction so there won’t be mistakes that could sabotage your idea and pursuits; Let’s have a run through.

a. Have Your Idea Ironed Out and Processed

For you to think of starting out your business you have an idea of what exactly you’re bringing to the world aside the funds or capital to start. Do you intend going into clothes, gadgets, automobiles or what precisely? When this is thought out and processed successfully then you’re on your way to having a successful business.

b. There Are Various Types Of E-commerce

When starting up, you have to understand that there are various types of e-commerce businesses in the world today so this would determine what type your idea falls into. Note the very common types below;

B2B: The b2b model is called the business to business model and this is when a business is selling to other businesses across the globe thus the prices are low and given out at wholesale prices to help the purchasing business encounter some profit too.

B2C: The b2c model is called the business to customer model and this is when businesses open for the sole aim of selling to customers. So if you find yourself opening or starting up your e-commerce or online store then it’s most likely this category it falls into.

C2C: The c2c model is called the consumer to consumer model and this is when consumers are selling to other consumers. This is better known as when average people sell products they own be it second hand or used, whatever way it is it’s a consumer to consumer interaction and thus has its uniqueness as the above mentioned types. Once this is settled and you know the type you intend running or starting up then you have to do what’s next.

c. The Right Domain Name and Web Designer Is Vital

Purchasing a domain name is very important as this is the web address people input to find your website, and finding a good hosting would help promote your business to the level you anticipate it to get to. More so, a good designer who has special experience in e-commerce website building is vital so as to have both a touch of professionalism and good customer interaction arena. Never make the mistake of creating one yourself because this is just the beginning of failure, so never be cheap. Invest and sit while it works wonders.

d. Stay Legit

There is nothing as good as legitimacy when it comes to business startup as this would help avoid many issues that could arise in the future to crumble the business you would say you spent a long time building. Remember the type of legal business entity you’ve settled for would determine the kind of legal involvements and taxes associated and even the insurance that would help yours thrive and survive amongst many that may start up alongside yours. Thus, getting a good attorney does the trick as he helps you with the legal backing and if you have vendors involved in your business, you definitely would need a vendors license from your local state agency. Secure the business in advance and sit back while the initial struggle pays off in the long run.

e. The Best Theme Works

For every good business to flourish online, there has to be a good theme that would get the attention of your visitors and customers which would make them come back again and again. Make them come back? Yes, make them come back and stay. Thus the best theme and layout should work the magic. You don’t know how to go about getting that? Check for good websites that can aid your theme purchase and acquisition as this saves time, money and is stress free. Go for the best.

f. Have Your Customers At Heart

One of the reasons why businesses fail is because there is a wrong focus which is on the profit rather than on the target audience; the customers. Create a good platform for customers to interact on the product of desire before it is purchased. Use quality images to showcase your products with correct details to sell it to them. Patience and understanding I would say is the key to having your customers and keeping them on your site.

g. Never Forget The Payment Access and Input

This is very important as I’m certain you aren’t giving out your services for free. There has to be a secure payment service be it through Pay-pal or any other method of payment but what’s important is that it is secure and working adequately. This may take a while to process as it deals with Privacy Policy, Return Policy and all that determines your shipping and delivery functionalism so be patient so you wouldn’t have to run at loss be it now or later. Nobody wants futile efforts.

h. A Tip Of The Ice Berg Doesn’t Hurt

While at the setup process and all, why not give your visitors and future customers a tip of the ice-berg? A tip or two wouldn’t hurt. Use themes like coming and other related terms to publicize your soon to be e-commerce platform. This helps create awareness in the mind of users and enables them go through what the intended offer would include as this keeps them talking and anticipating the big drop.

i. Go Over The Launch Process Again and Again

Although it is said humans are not perfect but we aim at perfectionism to bring about the best thus testing, testing and testing is very important. It would be disastrous to launch a website and the user interface is non-functional. Go through the site yourself presuming you’re the customer and see how it goes, this would help know the kind of impression your customers would have about the site in progress. We don’t want to stress our customers or frustrate them, therefore test, test and test again.

j. Make Use Of The Right Social Platform

Using the right social platform aids in the successful run of your business as this helps to promote your goods and services aside the use of your website. When these social accounts are properly set up and handled, you’re on the go to giving the best. Therefore never rule out the importance of social media because it helps the world know about you and connections around the world and among individuals is realized.

k. Tracking Is A Necessity

Never forget that helping your customers track their goods is essential because you would be dealing with people outside your locality and even across the globe. These method helps to ensure their goods arrive safe and secure, never forget it’s a necessity.

l. Be Focused And Stay Positive

Having a positive mindset is essential to having a successful business. Stay focused and know their you’re your greatest competitor. Competition and competitors would sprout but never lose focus as you’d excel more than you can imagine. Remember the sky is your starting point and you never rushed up your set up so you’re in for the best. Go commercial already, get started!

Conclusion

The only person who can stop you from actualizing your dreams and maximizing your potentials is you. Never stop believing in your self and the things you can accomplish, trust me it’s never too late to start and you’re never a failure if you fail but you become one if and only if you stop trying. It’s never too late to become that independent person you’ve always wanted to be. Believe in yourself, you can do it.

My Master’s Degree – How Should I Talk And Write About It?

There are many circumstances in which foreign student have to talk about their intentions to study for advanced degrees. Statements of purpose written to accompany applications for university admission are the most obvious case, but the same situation comes up in interviews with recruiters, IELTS Speaking Tasks, and verbal interactions of all kinds with the officials at the universities you will be attending.

Unfortunately, it’s the time many foreign students say things that sound the least “English.” As a result, these unavoidable statements can often suggest that your command of English is weak. Even though all the native English speakers who regularly hear foreign students make these statements have long gotten used to hearing them spoken incorrectly, the mistake always registers with them at some level, however unconsciously.

To make the best impression on university administrators and IELTS examiners, use the right language to talk about your degree and your academic sentences.

The following are the most common mistakes:

“I’m going to learn a master’s degree.”

“I’m going to study a master’s degree.”

“I plan to learn a master degree.”

Don’t make these unnecessary but common mistakes. All that is necessary for you not to make them is to understand clearly what the appropriate words are and mean.

- A “master’s degree” is a noun. When written, it always has an apostrophe, that is, “master’s degree,” not “masters degree” or, worse, “master degree.”

- A master’s degree is not, however, a field of study. We don’t study a master’s degree, we study a field in which we earn (or, more colloquially, “get”) a maser’s degree. Therefore, in English, we say that we plan “to earn a master’s degree in marketing [or the name of some other field].”

- The degree is what we get as a result of studying, not what we study. So, when we talk about studying, we normally say, “I plan to study economics [or some other field].” It’s not incorrect to say, “I plan to learn marketing,” but “I plan to study marketing” is more normal, idiomatic English.

- The certificate that confirms that we have successfully completed a course of study and earned an advanced degree (not necessarily a master’s degree) is called a “diploma.” You can say, “I plan to earn a diploma in marketing,” or, if you have completed the degree, “I have a diploma in economics.” But if you do, realize that a native English speaker will not necessarily understand which graduate degree you have earned.

- The most appropriate verbs to use with “master’s degree,” prior to receiving the degree, are “study for,” “earn,” or “pursue.” So, you should say, “I plan to study for a master’s degree in communications,” or “I plan to earn a master’s degree in marketing,” or “I plan to pursue a master’s degree in engineering.”

This may seem like a minor matter in terms of language. However, making the most common mistakes can lead a university official or IELTS examiner to think less of your English language skills or, in the worst case, your intelligence.

So, practice writing and saying these simple but important sentences correctly.

Incorrect: I’m going to study a master degree.

Correct: I’m going to study for a master’s degree.

Incorrect: I will study a master’s degree of marketing.

Correct: I will study for a master’s degree in marketing.

Incorrect: I will learn a masters degree in economics.

Correct: I plan to earn a master’s degree in economics.