Investing in your business: money is money!

Many entrepreneurs do not want to part with their money, and with good reason. The constant flood of sellers that a piece of cake for your money, you can sit tight in the pocket of the network. But do you ever felt that they lose their ability to invest in their farms and, consequently, some of the most valuable cash more money?

It's called "Return on investment (ROI), and many large companies are doing everything possible to ROI large expenses, such as technology purchases and real estate transactions. But for small businesses that have cash flow, Return on investment is an important factor If only, starting with a few hundred dollars.

The cost of advertising is one of the areas where the return on investment should be considered. Some businesses see advertising as a business expenses, if an investment in your company. If done correctly, the money would circulate word about your business, you must return. While this does not make sense to spend thousands on an ad that only a few hundred dollars in sales, it does not make sense to focus and spend what you know you can win again.

For example, if you have $ 100 to advertising in the publication, which reaches its destination, customers, and its customer spends on average $ 20, all five people on the ads for the investment. And do not forget to follow orders. If you have a product or service, the customer should be over and over again, so that you can afford to invest more in order to attract new customers.

Associations are another investment opportunity to ignore. Let's suppose that your local Chamber of Commerce charges $ 250 per year. That may seem steep, but it may be that money back. If you have a network of events, you can use partnerships with other companies, the owners can invest their membership tenfold.

In addition, the benefits of membership. If the house offers 20% discount on office supplies, as well as to spend $ 2000 a year back, you can use $ 400 for supplies alone. Many associations offer discounts for employees on a range of products and services, including insurance, copying and printing, shipping, industry and products. When considering a partnership is necessary to assess the benefits and the ability to save. You may find that their contributions are truly a bargain.

Books, products, information, education and more opportunities for investment in your company. If you have $ 20 to book, just to get a new strategy of reading the publication of this strategy could be thousands in the long run.

Have you ever struggled with the hour that you do not understand? Investments for three hours in the classroom can give you countless hours of lost time hours, which are used for admission.

Speaking about the time that your time is worth. If you earn $ 100 per hour for consultations, as well as five hours a week formalities, the cost mainly weekor $ 500 to $ 2000 for monthon this tedious task. Instead, you can hire a virtual assistant or a part-time basis to manage their documents. If you hire someone for less than $ 500 a week, in fact, except for their investments.

Therefore, the next time you see a business expense rather than as an obstacle, take a look at the possibility. Ask yourself the following questions:

* What is my time worth?
* Will this investment save your precious time with me?
* Are there sufficient revenues to pay for the investment?
* Are there any benefits such as discounts on goods and services, investment costs?
* What are the hidden benefits? I will be able to exploit opportunities for linking the effects of my business, or establish a business?

Sometimes we need to solve the ropes to spend more money. In the assessment of all opportunities to invest in a company, you can take advantage of some great opportunities.
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General Electric: Toxic assets?

General Electric (NYSE: GE) continues to be used over several generations, one of the main foods in stock too many investors. As one of the main components of the driving and the S & P 500, only 2 percent of their weight and 76 percent of the S & P 500 Index Industry Company, and as the main engine of Dow and other indexes - retail fund managers - GE has become need to be.

But why is the debt itself, and investors will get whacked?
This year, the population increased by more than 16.5 per cent, compared with only a few ticks on the S & P 500 during the year.

And over the past 12 months, a similar story with GE as a whole loses more than 61 percent. And if we go back to 5 years and 10 years, GE has continued this trend of dramatic loss of more than S & P 500 by almost 247 per cent of traffic 5 years and 97 per cent over the past 10 years.

Not surprisingly, therefore, if the fund shares in the United States, Vanguard, Dodge and Cox,
T. Rowe Price, Fidelity and many others in their portfolios GE, and not just loss of money - but lose the common market.

GE is toxic for your portfolio.

But look at what lies ahead.
Over the next 3 years, starting in a few months, GE has made about 250 million of bonds, government and bank loans. Bad, as compared with its current market capitalization of only 143 million U.S. dollars.

Worse still, of course, the company's debt is nearly 500 percent of their net capital in general - in fact, if the bank or it is too small for U.S. Fed. Bank of stress test that they took of you know that this company.

And if you need to know what is the main reason for this supposedly well-diversified industrial companies fare so badly, you can look at the composition of revenues from GE.

The largest portion of revenues for the fiscal year, capital and consumer lending. Add to your entertainment unit, as well as a combination of unrest in more than 46 percent.

Then, with the help of lower advertising revenue and the wandering eyes and ears - at the top of the known difficulties in the credit market - it is not surprising, GE deeper problem, which remains beyond the facade of its industrial plants and other products and divisions.

The increase of 250 billion just to extend the current debt is very disappointing - especially given the fact that its cash position was about 15 million people. And with its current operating obligations by more than 23 billion, which makes you kind of wonder how they manage their accounts in the quarter, even before you refinance its debt in the long run.

Sell and stay away. And check your stock investment funds. If you have a GE - more than a few really stellar performers for this operation. Otherwise, the time to sell, should be encouraged.
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What should I own shares?

First, you must define its objectives by investing in equities. Then decide how much time and effort you're willing to invest in equities.

If you want to beat the market and are new to the game of securities of its work for you. In addition, securities that can be easily. If you want to participate in the stock market and obtain maximum long-term, traditionally offered investors need to own shares in the fund.

When it comes to stocks, there are some things you should know in advance. Few investors, including professional money managers beat the market by a significant margin in a single database. Even professionals, personal analysis of studies from all parts of the data, usually not more than the main indicator.

You must understand that the election is only half the shares in the game. The other half of the time. The population is still at the top of the stack for an indefinite period. All this does not sooner or later. Examples include Polaroid, Xerox, and even Microsoft. For example, Microsoft has a large public investment in 1990, while the population has reached the end of 1999 at about $ 60 per share (adjusted for a stock unit). He then two years to trade $ 20 to $ 30 range, and now sells for $ 20!

If you want stock investments, do not possess, because it is too risky. You have no more than a dozen, if you want to get a full day of work from the management of your portfolio. Collect a few and for them carefully. If the stock of their losses under the influence of a common market, sell and search for a replacement.

An investor can not afford big losses among the population, and large losses can be avoided if you're selling, a sign of weakness.

The population of the most well-known investors who track major market indexes. These are index funds that trade like stocks on major exchanges. For example, the symbol SPY tracks the S & P 500 Index. If the stock goes up to 30%, SPY next Suite. If it falls 20%, it can be assumed SPY fell by almost 20%.

I suggest you invest in stocks for a large percentage of the money they have on the stocks in equity funds that track the stock market as a whole. They are known to work with the law, rather than the load index, mutual funds, which we have done well.

On the stock market with the rest of his money, if you enjoy the game. Remember that if you invest in shares, you must be a maximum of ownership, possession, and when to stop it.
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Foreign investors do professional happiness, can not tell you what I say, no secrets here

Did you know that professional investors have money? I think not, until I did not become a. Want to know why they are in different circles. For dinner in the best restaurants, fly first class to exotic holidays, drive luxury cars and live in villas on the sea. You do not need too much when they try to survive on income from five mortgages and car payments, but still a little bit each month for your child's college fund.

When I found out how much I was determined to find and I had to know how they did. I remember that my old friend once said to me, that kind of ridiculous. He was his Lord, and whenever I had hard time in the classroom, as himself, "The world has a lot of people, I am stupid in this class, you can use it too."

The same is true for me, I thought, this is a professional Forex traders, living life the rich and famous, not smarter, than I can in any case, I hope not. " That was how it all began and where I go, they knew that I did not start.

The first thing I found out that they knew that the quota. Currency can only increase or decrease the value. This makes the relationship of voters to pay in any currency. They knew if they could, with a probability of sixty to seventy-five per cent to reach your dreams. After this automatic fifty percent if you do not know how hard I thought would be fifteen to twenty percent, when it comes to operations to change.

Thus, I did everything he could find on the subject, and started during each coin I can find. When I thought I knew enough, he was with the demo account I have with foreign brokerage firms, all that I learned in my readings and classes. It was not long until I sixty-five than one per cent is necessary for the raking in.

At that time I was on my research and all the calculations by hand, it was tedious and time-consuming process. I knew that he was better, but now that I have all of the accumulation of profits was the money to invest in some Forex trading systems. I first stunk, sauna research on my part. I, finally, little did what he needed to win, and my choice to improve the seventy-two per cent. Since then, I have never supported, and they expect more or less everything that you need to do too much.

This is my story and secrets are not really talking about are not secret after all, just common sense. All you need is to know what you are doing, and the best means available. That does not sound too difficult right? It is not, and if you remember, and start, do you think that the same thoughts. This "lost every year, why not sooner?"
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Investing Like Warren Buffett: Take Your Cue From the World’s Best Investor

by Alexander Green, Chairman, Investment U
Investment Director, The Oxford Club
Monday, December 8, 2008: Issue #897

Not long ago I excerpted a recent New York Times column by Warren Buffett explaining his take on the recent market sell-off.

Despite the dour economic outlook, Buffett expects U.S. companies to report record profits within five years. He is getting fully invested in stocks in his own personal account.

Perpetual Money Machine

Since Warren Buffett’s column originally ran on October 14th, however, the S&P 500 has dropped 13%.

Hardly a day goes by that I don’t get emails telling me that Buffett “blew it.” He was “too early.” Or he “failed to call the bottom.”

I beg to differ …

Warren Buffett’s Economic Outlook

For the record, here is part of Warren Buffett’s column that I excerpted:

“Let me be clear on one point: I can’t predict the short-term movements of the stock market. I haven’t the faintest idea as to whether stocks will be higher or lower a month - or a year - from now. What is likely, however, is that the market will move higher, perhaps substantially so, well before either sentiment or the economy turns up.”

Let’s assume for a moment that Buffett is right and five years from now U.S. companies are reporting record profits.

Since we know that share prices follow earnings, the market will likely have met or exceeded its old record high. (The Dow crossed 14,000 in early October 2007.) Investors who bought good quality stocks at current levels will be in excellent shape. So will those who merely reinvested their dividends.

To clarify, let’s try a thought experiment: Today is December 8, 2013. The Dow is at 14,000. Looking back, you can now choose any one of these three options - and magically reinvent history.

Over the past six years:

* The Dow soared from 14,000 to 18,000 and has now declined to 14,000.
* The Dow treaded water and rarely traded much higher or lower than 14,000.
* The Dow sank to less than 8,000 and has since climbed back to 14,000.

With the luxury of hindsight, which scenario would you prefer?

If you’re in the wealth accumulation phase, clearly the best answer is #3. It may have been scary, but this was the only scenario that offered you the maximum opportunity to buy low.

Investing Like Warren Buffett - Not The Average Investor

That’s why, unlike the average investor who is sitting on his hands (except to bite his nails occasionally), Warren Buffett is actively buying stocks.

Some will counter that this is likely to be a steep recession and stocks may go substantially lower.

Buffett surely know this - and clearly reasons that this only makes option #3 more attractive.

History shows that most so-called market timers will either never move or move far too late. They’re comfortable in cash because they believe - quite rightly in my view - that the economy will only get worse.

But think hard - and read your history - before you opt out of the market entirely. Yes, the Dow sometimes falls during a recession. But, perversely, other times it soars.

For example, in the 13-month recession in 1926-27, the market went up 41.1%. In the 8-month recession in 1945, it went up 19.5%. In the 11-month recession in 1948-49, it went up 15.2%. In the 10-month recession in 1953-54, it went up 24.2%. In the 10-month recession of 1960-61, it went up 20.3%. In the 16-month recession in 1981-82, it went up 14.6%. And so on.

In my view, investors who are cursing this market are either spending far too much time listening to the “end-of-the-worlders” or stuck looking back, not forward.

If Warren Buffett is right - and he has a long history of being just that - these investors are moaning at opportunity’s door right now.

If you want to meet your five- and 10-year investment goals, imagine yourself five and 10 years from now. Ask yourself what you will wish then that you were doing with your money today.

Then govern yourself accordingly.

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Reasons The Average Investor Will Fail

by Louis Basenese, Advisory Panelist, Investment U
Associate Investment Director, The Oxford Club
Thursday, December 11, 2008: Issue #899

I’ll be the first to concede the going’s tough. That almost every “time-tested” strategy that worked well in bull markets is sputtering and collapsing.

But is it so bad we’ve given up on turning a profit? And just resigned ourselves to preserving our principal, right?

WRONG.

This week the Treasury sold $32 billion in 4-week bills at a yield of ZERO percent.

That’s not a typo. Investors actually clamored for the opportunity to lend the government their money in return for absolutely no return. In fact, investors bid $126 billion at the auction, more than four times the amount available.

As Michael Franzese, the head of government bond trading at Standard Chartered explains, “I have never seen this before… It’s all about capital preservation for the turn of the year, not capital appreciation.”

Forget unbelievable. It’s idiotic. What investors are essentially saying is that absolutely no better opportunity exists in the market right now - that survival is their paramount goal of investing, not profiting. But ignore what the lemmings are doing. Their folly is creating endless (and historic) opportunities for us to increase our wealth. Of course, simply telling you that will not suffice…

6 Market Investment Opportunities Right Now

Let me share with you a short-list of market investment opportunities I’m researching and taking advantage of on a daily basis. If nothing else, it should make you think twice before you follow the $32 billion worth of stupid money…

* International Stocks: Forget decoupling. It was a farce. The United States caught a cold… and international markets caught pneumonia. The offshoot? International markets are the cheapest on the planet - despite much stronger growth prospects than in the United States. For instance, the average Russian stock trades for just three times earnings! South Africa and Brazil are the next cheapest at six and seven times, respectively. An easy way to capture upside here is to rebalance your portfolio by adding money to your diversified international funds or investments. One of my favorite options here is the Templeton Emerging Markets Fund (NYSE: EMF), run by the best international manager around, Mark Mobius.


* “Free” Stocks: Hundreds of stocks trade below their cash balances, making them essentially free. Some will of course, burn through that cash faster than my wife on a shopping spree. So we can’t buy blindly. But that’s not the case for all of these stocks. One compelling opportunity I recently presented to my subscribers is Immersion Corp. (Nasdaq: IMMR) - a leader in haptic technology. Forget cash on hand, its patent portfolio is worth more than the current stock price.


* Income: Dividend yields rest at 15-year highs. Of course, not all dividend-paying stocks are created equal. Many will slash or suspend payments just to survive the downturn. But others won’t. The master limited partnership (MLP) space is rife with opportunity. Investors seem to forget these companies aren’t impacted by the price of oil and gas. They just get paid to transport it. The price of oil might be off 70%, but demand is not. My favorite play here is Kinder Morgan Energy (NYSE: KMP). It just increased its dividend and currently offers investors an attractive 8.7% yield.


* Munis: We all know there are NO guarantees in investing. But I can guarantee taxes are going up. How else will the government fund the billions upon billions in new spending? Especially, at a time when tax receipts will plummet. Thanks to a drop in corporate profits and the loss of 1.2 million taxpayers to unemployment. No surprise, the herd is piling out of munis ($7.4 billion so far this quarter) at exactly the wrong time. Their folly is creating attractive tax-free income yields and upside for us. For instance, the Vanguard Intermediate Tax Exempt Fund (VWITX) currently sports a 4.25% yield. That’s tax free and equivalent to earning 6.5% (based on a 35% tax bracket).


* Real Estate: Pricing remains completely irrational for real estate investment trusts (REITs). Some closed-end funds are off as much as 90%. Dirt is cheap - but it isn’t that cheap. This is a once-in-a-lifetime rebound opportunity. If nothing else, capitalize on the unstoppable trend of homeowners converting into renters by considering an apartment like Equity Residential Properties (NYSE: EQR).


* Short selling: An economic recovery won’t save every company. Plenty will remain in the tank, or worse, end up on the courthouse steps. Yet, most investors overlook the simple strategy to profit from these collapses - selling short. But they shouldn’t. In these markets it’s one of the few strategies consistently booking winners. That’s why I’ve been using it for my subscribers. Just last week, we booked a 50% winner in The New York Times Company (NYSE: NYT), for example.

Remember this is just my short-list. The key takeaway is simple - investment opportunities abound.

Granted, we might have to work harder than normal to unearth them. But we certainly don’t have to resign ourselves to handing over our hard earned capital to the government for nothing in return. After all, that privilege is reserved for our tax dollars.

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