Archive for the ‘Business’ category

Investing while the market is crashing

December 23rd, 2008

Investing while the market is crashing around one’s ears. What an absolutely mad thought? Or is it?

Even yoda might have trouble figuring out the current market environment. In a world of falling prices, how can wealth be protected? I have some news for you. Even in a falling market, wealth can be not just preserved; it can be created. With just a few simple techniques, I’ll show you how to supersize your portfolio.

Shorting stock. The phrase sends a blood-curdling chill down many a buy-and-hold investors spine, frightening them into a shock-induced state of confusion. Yet for masters of this easier-then-it-sounds technique, its an extremely profitable oasis within the uncompromising desert that is this bear. Confused? Its like this… the vast majority of investors only buy stocks. When you buy a stock, there are two ways to make money. Stock price appreciation (buy low, sell high), and dividends. Which is all well and good when the market is going up, but for markets such as the one we’re currently embroiled in, we need a whole different animal.

To short a stock is essentially to sell it, and then buy it at a later date. Counter-intuitive, no? In the shorting process, you borrow the stock from your broker, sell it on the open market, and when the price has fallen sufficiently, you buy it back again, and return it to your broker.

An example… In late August 2008, Ford was trading for around 4.50. If you decided to short 100 shares of ford at that point, then you would borrow 100 shares of Ford from your broker and sell them for a total of $450. In late October 2008, Ford was down to the 2.25 range. At that point, you could buy back the 100 shares you sold for $225, return the 100 shares to your broker, and all in all, you made $225. In essence, you sold high, then bought low. Its just like buying low, and selling high – it just operates in reverse. This would be a good time to re-read this paragraph, its that important.

Another way to think of shorting stocks is to own a negative number of shares… If you own 100 shares of a stock, and it goes down $10, then you lost $1000. If you own -100 shares of a stock (or your short 10 shares of a stock), and it goes down 10$ then you gain $1000. Of course, if the unthinkable happens, and the stock appreciates by 10$, then your down $1000 (What, did you think it was riskless?).

Even still, shorting stocks has risks. If you choose the one stock of 100 that is about to start trending upwards, you could lose some money on that. Different sectors of the economy may also be effected by events that cause exceptions to the “everything goes down in bear markets” rule. The recent auto bailout could feasibly cause industrials to go up for a while, so shorting industrials could choose to be a bad choice. The biggest risk is that the bear market turns into a bull market while your not paying attention – that could rack up losses on many positions at once.

A typical risk-management choice many professionals use is the 5% rule. When your trading stocks, don’t risk more then 5% of your portfolio on any one position, and preferably less. So with the $20000 portfolio, risk no more then $1000 on a trade. This doesn’t mean you can’t invest more then $1000 per trade. It just means that your stop loss should be triggered before $1000 is lost. So if you short a stock at $20, and have a stop loss at $25, then you can buy up to 200 shares (far more then the actual value of your portfolio). If your time span is shorter, then you should use a smaller percentage, while if your timespan is longer then a couple months, the 5% rule could be adjusted as high as 10% (for the risk-tolerant).

In a bear market, there is just one, singularly important, yet amazingly simple truth that must always be kept in mind. Everything’s going down. Throw 3 random letters together, and pull up a stock chart, and every time, you’ll see declining prices throughout a bear market. With this in mind, shorting is the only thing that makes sense. Masters of this technique have been pulling millions in from the market since the dawn of the last century. As far back as the 1929 crash, Jesse Livermore made $100 MILLION using this technique. In a strong bear market, shorting ETF’s and Stock can be a brutally efficient cash machine.

Not sure what an etf is? Come back to trevorweir.com and learn more about stock fundamentals.

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Financial Considerations for small businesses

November 15th, 2008
by business card secrets

Many small businesses struggle with the decision of whether to operate from a home-based office or to rent commercial space. Working from a home-office where many of your expenses are already paid definitely saves money and can reduce the risk that would exist if you were locked into a rental agreement for office space.

Many considerations must be kept in mind when you are deciding whether to operate your business from your home or to lease office space. Some of these considerations are financial, while others relate to the effect of working from home on your personal life.

Most small-business owners start their businesses with very limited funds, and therefore financial considerations are important. Whether or not you have your business in your home, you are paying the mortgage or rent, utilities, property taxes, maintenance, and a host of other costs. At first it might seem as if it would be “free” to have your business operate out of your house. However, this supposition is not as clear-cut as it first appears. Consider the following issues:

Your house insurance may not cover a business. You may have to get a separate insurance policy to cover the loss of business assets in your home or to cover the interruption in your business if something catastrophic happens, such as a burst water pipe. This is an added expense you will have to factor into your decision.

The zoning of your neighbourhood may be residential only and may not allow a business to operate. Check with your local zoning office to find out whether it’s even possible for you to operate out of your home. Zoning officials will most likely ask how many clients you expect to have in the house and what type of and how much parking you have available. You may have to pay extra fees or property taxes to the municipality to operate a business out of your home.

You will be subsidizing the operating costs of your business. This will definitely help to save money in the start-up phase of your business, but it may allow you to operate a business that wouldn’t survive without that subsidy. All businesses that are built on successful and sustainable models can pay all of their expenses and provide a return to the owners. Your business, if it is to be successful and have value that can be transferred to a buyer, must eventually be able to operate from leased or purchased premises. Not paying any premises expenses may lull you into thinking that your business is successful when it is truly not.

If you work from home in the start-up period but plan to move to a separate location in the future, make sure you have tracked that cost in your cash-flow projections. Am I suggesting that you have to move your business out of your home eventually? Of course not. You may decide that the convenience (which we will discuss later in the book) and the financial savings outweigh the other considerations. However, it’s important that you assess your business to make sure it could survive if you had to rent space.

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Get More Buyers- A Virtual ATM Machine

November 14th, 2008
by Zul Rahman

I believe the reason why you read this review is because you need to get a fair and objective opinion on Get more buyers course by Michael Rasmussen. If you own a business either internet marketing or offline marketing, no doubt customers list or buyers list is very important to your sales

There is no doubt that the list of potential buyers is like an ATM machine. This is like a cash faucet that you can turn on or off any time you like.

At one point or another you may have market your own products or market other people products as an affiliate. Both ways you need a superior lists of potential customers that has developed trust with you.

You can turn this list on or off for cash just like faucet. Imagine owning your own ATM machine.

In this course Michael Rasmussen will teach you on how to build list of buyers not people who seek freebies.

His new system is called Get More Buyers.

In case you don’t know who Michael Rasmussen is, he is a California internet marketer who built his list of over 200,000 eager buyers in just a few short years.

How Do You Differentiate Between An Eager Buyer From A Freebie Seeker?

This is exactly what he is going to cover in his Get More Buyers course.

Anyone can benefit from his course, if you are just starting out or you already have an establish targeted buyers e-mail list.

He will show a lot of new strategies on how to build list of eager buyers with no advertising dollar.

He will reveal at least 10 proven strategies on how to get the lists of eager buyers and potential long term customers.

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What Does T Harv Eker Think He Knows?

November 14th, 2008
by Joey Palinza

In short, T Harv Eker is a millionaire, but more than that he is an inspiration to hundreds of thousands of people – and counting. With that said I didn’t think he had anything new to teach me when I went to check out his Millionaire Mind Intensive seminar, but I couldn’t have been more wrong.

He doesn’t pull any punches when he shows you how to achieve all your dreams, and I’m amazed at how much I found out. Does the Peak Potentials Training seminar give you everything it says it will? You bet it does, and you’ll regret it if you don’t go.

The book T Harv Eker wrote on the subject, “Secrets of the Millionaire Mind”, explains the concept in detail but it’s just a fraction of what he reveals once he arrives on stage. This guy is on fire with enthusiasm and it spreads to everyone in the room.

So what did I learn? I learned that you don’t go on the Millionaire Mind Intensive seminar without having your entire life blown apart and then put back together again. But more than that, I learned that it’s your mind that shapes your future.

If you aren’t prepared to change what you’re doing now, then T Harv Eker’s methods won’t be for you. He doesn’t leave anything out when it comes to creating a new money blueprint for yourself, so you’d better be ready for it.

This isn’t just T Harv Eker standing on stage talking to you; he goes into real detail and works with you to help you realise why you’ve failed to make vast amounts of money up until now. He doesn’t offer individual tuition which is a shame, but he’d have no life left for himself if he did!

Peak Potentials Training certainly does work for those people who go with an open mind, so make sure you go with one. The experience of hearing T Harv Eker revealing the reasons why no one in the room was earning what they wanted to be earning was awesome. I don’t think about my income the same way I used to.

To get the best out of this Millionaire Mind Intensive seminar you need to pay attention to what Harv tells you. You really can earn whatever you want to and T Harv Eker will help you make that a reality.

His book, “Secrets of the Millionaire Mind” is sensational, but it’s not a patch on the seminar itself. You’ll find out more about money and how you earn it than you ever dreamed possible. Even people who are currently doing well in a financial sense end up doing better.

T Harv Eker knows how money blueprints can make or break lives – yours included. I’m already earning more money, and my new improved money blueprint is still developing! My previous money blueprint would have kept me from real success – but it won’t now.

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Install Spy cam for a quick vigilant on the trouble makers.

November 13th, 2008
by Todd Martin

One of the most important gadgets that we need today is a hidden spy cam. The right appliance provides us with a perfect surveillance required in a big or a small house or the working environment. Life is busy. So today we have very less time to keep an eye on all the people who are working with us. Keeping an eye on every person requires frequent observation and frequent observation requires a spy cam. Observing has a good reason because this can be done without any time with the help of the spy cam.

While surfing on the internet I found out that there are a variety of cameras which vary from big industrial and institutional to single home users. We can choose according to our preference. For me all time is a good benefit time with my new CCTV camera. Surveillance was never been so easier. Moreover keeping an eye at the baby sitter and on the staff is more fun for me now. I feel that for accuracy and the best results in surveillance, we should go in for a spy cam. The spy cam can be ideal equipment for everyone, even for those who have a small house in their apartments or a small cabin in their offices.

The spy cam helps to keep an eye on the culprit and using it is a pleasure with its best performance and the convenient features. Whether the work place or the house is big or small, security has to be given to it. For the better performances, spy cam is the proper device which can help us in completing our task more efficiently. My knowledge says that you will discover surveillance very thrilling and will have an inspirational occurrence. These days what issues us the most is leading a trouble-free standard of living.

With a flick of a button we can manage to handle everything the way we want to and keep a regular watch on the trouble makers and watch the wonders. Spy cams may be necessary for us, but they can be fun to use too. I own a coffee caf and have hundreds of people visiting it everyday. There are 3-5 coffee machines in my caf. I have appointed many people for the smooth flow of my coffee caf and I am very controlling and I always consider that I have to give the best service to my customers. I cannot do this alone. I cannot be at all the places at one time.

With the help of this camera, I can easily spot the movements of the employees and I am satisfied with the type of work they do for my restaurant. They are very honest and this is proved by the every movement which the CCTV camera captures. It really works wonders. We all should install these teddy bear camera for our own comfort. A variety of these cameras are available with all the leading websites of the country. We can buy them online through the internet. We can choose according to our basic needs and place an order for it on the website itself and our product will be shipped to us within a limited period of time.

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