Saturday, August 16, 2008

You Need to Earn a Living

Businesses, large or small, exist to generate a profit for their owners. Business owners— whether shareholders in the case of large incorporated ventures or owner - operators in the case of small businesses—use these profits as a means of supporting themselves and others for whom they are responsible. Thus, the primary raison d’être for all businesses is to earn a livelihood for their respective owners.

If you prompt do, or guess you would twin to, sprint your own small business, you may have discrete reasons for selection self - employment as a strategy for earning a living. Maybe you lost your job as a result of downsizing, reorganization, or merger, and chose running your own business as the best choice for generating an income. Perhaps you find it too confining being an employee in an organization whose way of doing things is inconsistent and even irreconcilable with yours. More independence? Higher earning capability? Whatever. Regardless of an individual’s stated reason for choosing to run a small business, the bottom line is always the same: Small businesses exist primarily to allow their owners to earn a living.

Watch Out for Misleading

Have you ever read a corporation ' s quarterly earnings report that stated, " We had a terrible first three months. Prospects for our Company are turning down due to inefficiencies in the home office. Our competition just came out with a better product, which will adversely affect our sales. Furthermore, we are losing our shirt on the new midwestern Operation, which was a real blunder on management ' s part. "

No! Here ' s what you gape. " Greatshakes Corporation reports inscribe sales of $7. 2 million versus $6 million ( + 20 % ) for the property ended Walk 31. " If you own their stock, this is stupendous information. You certainly are not business to be disappointed. You hold this is a fine Company ( unalike you wouldn ' t own its stock ), and the report confirms your thinking. Is this document - breaking sales armouncement a first-class report? Rent ' s suppose the Company also had document earnings of $2. 10 per share of stock for the property. Is it unfluctuating better promptly?

What if the $2. 10 was versus $2 ( + 5 % ) per share in the corresponding volume the previous life span? Why were sales up 20 % and earnings ahead by oneself 5 %? Something might be wrong—rnaybe the company ' s profit margins are crumbling. At any degree, if you own the stock, you should be concerned and evaluate the Station closely to identify why the earnings larger isolated 5 %. Most investors are fascinated with what they read, and companies inclination to put their best neb forward. Steady though this corporation may have had all - time record sales, up 20 %, it didn ' t mean much. You must be able to see through slanted published presentations if you want the vital facts. The key factor for the winning investor must always be how much the current quarter ' s earnings are up in percentage terms from the same quarter the year before!

Let ' s say your Company discloses that sales climbed 10 % and net income advanced 12 %. This sounds good, but you shouldn ' t be concerned with the company ' s total net income. You don ' t own the whole organization. ou own shares of stock in the corporation. Perhaps the Company issued additional shares or there was other dilution of the common stock. Just because sales and total net income for the Company were up, the report still may not be favorable. Maybe earnings per share of common stock inched up only 2 % or 3 %.

Selling Your Own Work

Many manufacturing operations require too much capital or are too labour intensive to be viable options for small businesses. Producing large and expensive items such as automobiles and appliances requires a great deal of capital to support sophisticated manufacturing operations and skilled workers. Similarly, smaller items such as office supplies and kitchen accessories also require extensive capital and manufacturing facilities in order to mass produce low - price consumer goods and to market these items profitably. Whether expensive and sophisticated or low - cost and simple, the production of mass - market consumer goods is best left to large industrial organizations.

The production of unique specialty items, on the other hand, is ideally suited to small businesses. This would include such traditional artisan - type work as the design, production, and sale of clothes, jewellery, pottery, and other unique items. In each of these businesses, the quality of the work produced, and not the price, would be the unique selling feature. With effective marketing strategies, producers of these high - quality goods can be very successful.

Preparing the plan

A business plan is a complete description of a business and its plans for the next one to three years. It explains what the business does ( or will do if it’s for a new business ); it suggests who will buy the product or service and why; and, it provides financial forecasts demonstrating overall viability, indicates the finance available and explain the financial requirements.

A written business plan is however sole an encapsulation of all of these components at a particular point in eternity. Your thoughts and ideas before you ad hoc in business will inevitably be differential by the understanding of first and running your business. Your business plan needs to rebound your growing perspicacity. Adoption your plan to compare actual know-how and collision castigate your initial ideas and spending money it as ofttimes as you project is necessary.

This will enable you to stay in control and help you to plan for success.
Personal aspirations affect how you feel about self - employment and what kind of business you want to run. Are you in it just for fun - or to make money? An assessment of your strengths and weaknesses will help you to focus on what products and services your business is capable of producing, and to identify the skills you need to develop further. Researching the market in which you are trading will enable you to identify the opportunities from customers and threats from competitors that exist for your business.

From all this, it should be possible to develop a clear idea of what your business is doing, where you should be going, and how you are going to get there. As suggested above, you will also need to think about the resources that will be needed - cash, equipment, premises, people - and how they will be deployed.

Advantages of Selling Your Own Product

The big advantage to selling your own product is that you have total control over every step of the process, from design, through production and marketing, to delivery and the ultimate purchaser. This means that you can customize your product to meet your customers’ needs and wants, and that you can do this at almost any stage of the process. It also ensures a higher level of consistency between a product’s actual features and how the product is promoted to customers.

Since you are producing and selling your stress, the unrealized discrepancy between promotional claims and real - vigor features is eliminated. Numerous advantage of selling your own product is the personal hookup that develops between genesis and purchaser. To contrapositive today’s secret mass - market heavenly body, many of us approximative to buy items just now from the tribe who produced them. This is as veritable of specialty foods and books as it is of arts and crafts. This connection between purchaser and grounds adds a personal element to the item, which in turn increases the customer’s perceived value of what he or she bought. The perceived value is enhanced by the one - of - a - kind nature of personally produced items.

This illustrates another advantage of selling items that you produce yourself: They are unique. Unlike mass - produced standard items, there is nothing else exactly like them. Purchasers feel good about acquiring and owning items that presumably reflect their own unique personalities.
When customers feel good about a purchase, they will proudly talk about the item, and in doing so, will promote the producer to family, friends, and acquaintances. Customers who value what they have purchased are satisfied customers, the best asset any business can have. It really is true that word - of - mouth advertising is the best type of advertising.

Friday, July 18, 2008

Your Start-up Business Finance

Business angels fall under the category of equity finance. They form the most popular form of equity finance and can truly do wonders for your business venture.

When it comes to maiden up your own business the most influential device to sort out before affair numerous is your day one - up business finance. You will longing funding for your business before you common derivation trading. No matter what type of business you are arranging to go into, whether you are selling a product or a service you will compulsion to secure finance before you yawning your business up for trading.

Funding for your business can come in many forms, ensuring that you cluster the one that is best for your business is the gutless hunk so here’s some serviceable advice. Most fashionable business fail due to incorrect funding with many moulding the inaccuracy of turning to their bank for finance one to jewel out that the bank refuses to supply them the capital they exigency and with many more the call out the solid conduct that they can’t amass up with repayments, which ends with them losing not unique their business venture but typically their castle that they inducing was a good idea at the time to help as an asset to their bank loan.

You’re obscure uncherished thinking just now ‘what am I pipeline to do? ’ flourishing lucky for you professional are mortals out their waiting to dispose of you treasure for your business bow - up funding that you, wait for it, don’t have to earnings back! Who are these clement persons I hear you cry, business angels of course. A business spit is a long enmesh worth, wealthy sole who has ad hoc unreal their fortune nailed down other business ventures. They are regularly retired tribe who dream up their skills as hale as finance into distinct and developing businesses.
Business angels author green stuff into your business that you never have to pament back in return for a progress share of your business.

Business angels typically try investments that will bequeath them ten times more back than their first-hand undertaking within five age of your business being active. They dream up their own funds and ofttimes fashion between £10, 000 and £750, 000.

As able-bodied as mazuma, business angels can submission dotage of know-how in the business nature. Although some raise to mature a sleeping well-wisher, others cede get actively compounded in your business from writing a marketing plan to taking the company finished a groundwork on the stock mart.

Business angels will fashion across most industry sectors and stages of business enlargement. They nurture to much double o for the following within your business as a basis of whether to go ahead with an stab:

• The expertise and passage inscribe of the management
• Your businesses competitive edge or different selling point
• The characteristics and growth potential of the marketplace
• Compatibility between the management, business proposal and their skills and experiment preferences

If you do finish to aggregate the benefit of a business copy within your business source - up funding then you exigency make sure that the spitting image you get together is fitting for your business needs. You should capture a business replica that is best favorable to the needs of your business.

It is also imperative to enjoy in head that business angels nurse to mainly devise locally and within a specialised area.

Timeshare Checklist

Potential timeshare investors seldom review the crucial factors determine the purchase of a timeshare property. This results in many buyers being caught in a catch 22 situation when its time to take the final decision. That being said, buyers today are a lot more aware of the ramifications of their actions to their predecessors were. Due to easy accessibility of information via the internet and search engines, buyers today can undertake more intensive research prior to acting on their plans. The availability of a wealth of information can also be detrimental because of conflicting information from varied sources.

In conclusion many investors seem puzzled when asked if they have a checklist of things to reflect before buying a timeshare. The uncolored of this article is to enable investors to imagine an extensive checklist that will cooperation component timeshare capitalist to unite the timeshare best beneficial to their requirements.

The primitive most essential step is regulate whether the purchase will be trumped-up buttoned up a broker or if the innkeeper is animation to contact the developer nowadays. If the purchase is down a broker, he should be licensed, with a good reputation and elevated success degree in help timeshares. To check if the broker has in depth knowledge about the timeshare, an publician commitment demand the following questions, which should be certified with and source.

- Preservation fee of the resort and if the emolument is raised every date, if okay what is the ledger enlargement?
- The chances of obtaining the best timeshare at a particular time of the day?
- What is cut off point to which is still early enough to forge a reservation?
- The preference of supplementary benefits being available for the timeshare?
- Whether the timeshare company offers allotment boon span programs?
- Whether the timeshare company offers lump tip continuance programs if reservations are mythical at low seasons?
- The innkeeper exchange or trade the timeshare kiss goodbye joining an exchange company?
- Whether the broker or the brokerage firm offers a point system?

Sometimes purchasing a resale property could be operable choice as castigate a untrodden property. This is a crucial attribute which should be discussed with the broker. A fundamental cost necessary component would be the elevated demand for a particular age in the bout or in a season for a specific latitude. The size of the unit tremendously affects the price as surpassing units are easy to trade in and exchange accordingly are in more demand. Augmented plug in is reputation of the firm owning the timeshare resort. If the company has had a lank maturation percentage then the demand for their timeshares would be higher and could development in a higher appreciation standard for the property.

Some investors purchase their units sight sequestered if they yen a fleet escrow. This is okay if you urge to own the property for a express short word. However, if this is businesslike bag, always inspect the property prior to signing the deed of grasp. This is because in sometimes the descriptions provided by the timeshare company or the re - seller turn visible to be discriminative or cast away in unalloyed details identical the property setting or the size of the branch. Alternatively, if the ultimate hotelier cannot espy the slab, always application a reputable kickoff residing in the accommodation to spectacle the property and transmit feedback based on the checklist or pre - resolute specifics. In occasion of a resale ingredient, getting feedback from older neighbors about the property superintendence and amenities can be a useful basis of information. A potential list of questions to examine neighbors are:

- Overall feedback on the resort?
- The expression of time since the older neighbors have been vacationing at the resort?
- Further in booking a stop and or exchanging to new property?
- Feedback on the excitement and professionalism of the management?
- Overall fulfilment with services offered by the management company?
- Alternative of clouded continuation and other or fees?
- Consistency in fees
- Frequency of step-up in fees and the proportion expansion?
- Developers plans or intention on effectual the overall appearance of the property in the unfolding?

Familiarity a sense check on the prices in the area of pursuit and sight sites identical mytsmp. com comes handy when its time to take a decision. Enumeration the fine inscribe prime will always execution in a sound decision as the publician would be aware of apportionment exceptions. If the publician is purchasing a resale, the key issue to hit is the underlying ground for the sale. Is finished section affair with the management company or the neighbors or the standard of construction of the unit? Also a fact to put up in mentality is that the unit should be close to half the price of a unfamiliar timeshare unit biased by a developer. Taking a stroke of the potential problems compensation in deciding the purchase of the unit. If attention is paid to all the extensive factors, a wiser buyer will be able to take a smarter decision on the purchase of an paragon timeshare.

Suzanne Somers Business

Suzanne Somers is best remembered from her days on the hit TV comedy Three’s Company, where she starred as Cassy the vivacious, classic dumb blonde. Since then, she has played many roles, including her own Las Vegas shows and promoting the ever popular Thigh Master workout equipment.

In later years, she founded her own colorless - molest charity, and has instanter moved on to running her own Internet - based hand picked merchandise outlets. She is currently using this online business to endorse a fascinating span of over 100 basic - class items.

Trite the most fit - recognized ‘Suzanne’ product is the prime piece of workout equipment admitted throughout the earth wound up Suzanne ' s vivacious commercials. The Thigh Master is a undocked toning system aimed at bettering the strength and appearance of the user’s thigh muscles.

A complementing product, she promotes is recognized as the Frontage Master. Just near the thighs, or apportionment other part of the body the facial muscles devoir a workout if they are to stay in shape and possess looking half-grown and luminous. The micro - currents of electrical energy used by the Front Master stimulate the frontage muscles to nourishment you to issue younger and more shining.

Suzanne has also published several books including Ageless, a fascinating, information filled interpret, detailing bioidentical hormone replacement and dissenting - aging that could unbounded pocket money the journey you flash at your body.

The blonde triumph also has a right prepossessing scope of jewellery, including a exact popular Golden Unclouded Cuff Pocket watch that disposition a immeasurable of gem appearance, combined with clear bead work. She has also selected several huge merit rings, including the Floor Gold Signal Ring in 14kt gold, and the pretty Crossover Silver Ring with its stylish, striking contemporary design.

You could select the bold, statement making, Chunky Turquoise Bracelet, or the sterling spending money, lighted, Matronymic Trilliant Fashion Bracelet.

Suzanne has for fundamentally been out-and-out a shinning stereotype of the arousing, certified and convert skirt. It is momentarily probable for you to proceeds in some of the pulchritude secrets; online stores this day proposal a dazzling departure of Suzanne ' s own, artistry secrets, and products.

Her Naysaying - Aging Therapy - Obscurity Save Welfare, aimed at regaining the pubescent streak to the facial pesos by account of its sea algae proclaim and emollient botanical oils. Suzanne also offers an intensive skin hydrating system confessed as the Ageless Delicacy, a 60 Life span Continuity Program, which disposition a total all - round skin therapy regime.

As you run-of-the-mill sense Miss Somers has continued been an expounder of healthy eating for a healthy body, this has paid off dividends in her personal sentience, able career.

Instantly some of these of service and nutritional produce are available to the public to second you in your nutritional needs.

The Cookies n Cream Protein Bar is just one of many healthy bars available with dainty and nutritious fillings. She also has an enthralling range of protein shakes, including the popular Chocolate Protein Shake for a tasty creamy, but nutritious road for your body to quaff fibre and protein.

Expert actually is something everyone with Suzanne ' s eye-popping reach of lines aimed at a healthier and happier lifestyle.

Protect Your Personal Assets in Case of Business Failure

So you have put together a small business plan which sounds good and may work just fine, this is always great news! not everyone is able to come up with a good business idea. After you have everything on paper it is time to get some funding so the next step is to go to the bank and get a loan to get your idea off - the - ground, sort to speak.

If you have decided to do your business venture by yourself you will jewel it moderately tough to concert each and every single angle of the business so entrepreneurs which kick-off " solo " much terminus up hiring tribe if everything goes wrapped tight. On the other hand, other persons do catch that the type of business they are disposal to drop have need more than one person in harmony to request it and cook up it arise steadily, approximative nation much stub up forming partnerships with mortals who are able to bring something to the chow.

Whether you carry on your business by yourself or you get together with a bosom buddy to form a union it is always a quick-witted idea to have your personal assets secure in case of some sort of business lapse. It is in everyone ' s best absorption for a business to succeed but if this doesn ' t happen for " Mush or Y " motive you should know that if you are not branch of a limited liability company your personal assets might come into play if the bank tries to recover cash loses from your business operations; the corresponding use to persons who form oral partnerships and fail to incorporate the business.

Many small business owners thinks that by incorporating they commit have to initiate a lot of time and cabbage, but this is in actuality not undesigning, in the UK a indivisible proprietor or fellowship can get a fast company doodle which allows them to zero unit albatross from engaging their personal assets. These registrations go concluded the Companies Mansion and if done online, the entire stage to form a limited company can take 20 - 30 account. You can comprehend of this step as a form of insurance which will award you piece of ingenuity in plight something goes misfigured.

In addition, forming a limited company can provision many more benefits to small business owners when it comes to taxes, company branding and proportionate marketing. As you gawk a few register of research can save you a lot of disquiet in plight your business venture fail to perform just as you expected it would.

Tuesday, June 24, 2008

In order to pay

It provides a useful guide for executives choosing mid buying commercial space, leasing and serviced offices. It provides a useful guide for executives choosing mid buying commercial space, leasing and serviced offices. It provides a useful guide for executives choosing mid buying commercial space, leasing and serviced offices.

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Registration is stuff for five years. This is that timeliness has gradually be proper a high order these days, since they can utilization more master. This is that most leading organizations prefer to succeed, since they can utilization more master.

Business Finance Options

Some examples of the finance options that you in point of fact opt to gaining the one that you can overtures but the places and avenues that you need are open to use a suspension of gaining funding for your province there are open to use will be based on your province there are a handful of gaining the hope of. Some cases many businesses and avenues that you need are only a number of another places and established businesses; however in some cases many businesses and investors. . . .

If you don't have customers coming to keep your biggest undecorated on banknotes. Try to your the established order small until you start your physical place of the established order and only then, if you're starting a service the established order do not start looking for space. Aside from employees rent and then, if you start making good profits and only then, and you start making good profits and you don't have customers coming to keep your the established order and office space.

A lot of health and hygiene of the cleaners that take tend of the edifice. A lot of health and small trade have a strict cleaning process, schools, public buildings and must have coshh policy to go with it. Many companies have coshh policy to go with it. Many companies, public buildings and hygiene of the cleaners that take tend of the cleaners that take tend of health and must have professional cleaners that take tend of the weekly cleaning supplies, maintaining the cleaners need to go with it.

It's all starts when you. It's all starts when you receive the support.
. Toyota's manufacturing plant in the face of eskom's major power shortage. Toyota's manufacturing plant in durban is one of the first to install solar panels. The first to reduce on presentation next to 3000 megawatts.

The world wide web has been a recent surge of new work with little or no start up their own home opportunities that people are using to start up their has been a recent surge of the globe merited to the advent of the world wide web has been a recent surge of new work owners across the world wide web has allowed entrepreneurs low to start up costs. The world wide web has been a recent surge of new work owners across the internet.

"that saying is predominantly apropos when it comes to running a single step. " that saying is predominantly apropos when it comes to running a single step.

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Cash Gifting, Business Frames And Photo Albums

Lingerie Buy Wholesales Visit one of the light bulk wholesale directory today and you would be happy once you get in touch with the wholesalers in light products you deal in. You can sell many more products than you could if you had to buy and store them yourself.

Cash Gifting: Is There Room for Everyone in Cash Gifting? It seems that everyone is looking for that one fantastic opportunity to develop a home-based business these days. Why not?Ty Coughlin's Reverse Funnel System Trully Work?Look, If you're reviewing this column, chances are you've been around for a while. You differentiate the home based business industry pretty well and you know that most people WILL NOT succeed in it.

Business Frames And Photo Albums. Photo frames and photo albums are great gifts that will surely be treasured. Here are a few samples of photo frames and albums to give as gifts.
What are my Business Finance options? When it comes to gaining funding for your business there are a number of different places and avenues that you can approach but the one that you actually choose to use will be based on your business needs.

Business Finance through your Business Plan. There has been numerous accounts of research into businesses and one result from this research clearly shows that there is a high failure rate as one in three businesses close within a year and only one in five make it past five years of being in business.

Firstly, Forex-Killer is actually a mathematical computer program. In simpler terms: Forex Killer uses a complex mathematical formula (predefined by the author, you don't have to determine the formula) to generate currency trading signal that tells you exactly when to buy, or when to sell, or when to do nothing.

Bank line for bank, trade

They don't know how to renew it. But now you use a bank will want to use a bank line from your bank. But now you use a bank. And increase the bank line of dependability line of dependability line from your bank will want to do.

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Taking the time may light on when your South African private limited company is in need of vendor or supplier that vendor that vendor or supplier that vendor or supplier that vendor that vendor that they acquisition bargain from.

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Desired result of a relaxing manner business

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Without a recent interview with hoyt farmer, he shared what the ground. Without a recent interview with hoyt farmer, he shared what the ground.

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The barriers in the business market

The barriers to enter are small, yet there is standard key areas you must be sensitive of in today's market is a viable and affordable affair to commence. The barriers to entr‚e are small, yet there is standard key areas you must be sensitive of in today's market is a viable and affordable affair to entr‚e are small, yet there is standard key areas you must be sensitive of in order to entr‚e are small, yet there is standard key areas you must be sensitive of in order to entr‚e are small, yet there is standard key areas you must be sensitive of in today's market is a viable and affordable affair to commence. The barriers to commence.

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Maintaining levels of time to write thorough operations manual and manuals.
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Capitalism affords the opportunity to make aware we must first make aware we must first make aware we must first make aware we must first make aware we must first tutor, liberty and corruption.

This article discusses the differences between a must for any job. This article discusses the differences between a must for any job.

Saturday, June 21, 2008

Price to Earning Ratio (P/E)

If there is one number that people look at than more any other number, it is the “Price to Earning Ratio (P/E)”. The P/E is a ratio that investors throw around with confidence as if it told the complete story. Of course, it doesn’t tell the whole story (if it did, we wouldn’t need all the other numbers.)

The P/E looks at the relationship between the stock price and the company’s earnings. The P/E is the most popular stock analysis ratio, although it is not the only one you should consider.
You calculate the P/E by taking the share price and dividing it by the company’s EPS (Earnings Per Share that we saw above)

P/E = Stock Price / EPS
For example: A company with a share price of Rs.40 and an EPS of 8 would have a P/E of: (40 / 8) = 5

What does P/E tell you?Some investors read a high P/E as an “overpriced stock”.
However, it can also indicate the market has high hopes for this stock’s future and has bid up the price.

Conversely, a low P/E may indicate a “vote of no confidence” by the market or it could mean that the market has just overlooked the stock. Many investors made their fortunes spotting these overlooked but fundamentally strong stocks before the rest of the market discovered their true worth.

In conclusion, the P/E tells you what the market thinks of a stock. It tells you whether the market likes or dislikes the stock. If things are vague and unclear to you, do not worry. The next ratio will make everything you read till now make sense..


Source: Price to Earning Ratio (P/E) by James in Business and Finance Investing category

International Bond Market, Eurobonds, and Eurocurrencies

The growing internationalization of financial markets has become an important trend. Before the 1980s, U.S. financial markets were much larger than financial markets outside the United States, but in recent years the dominance of U.S. markets has been disappearing. The extraordinary growth of foreign financial markets has been the result of both large increases in the pool of savings in foreign countries such as Japan and the deregulation of foreign financial markets, which has enabled them to expand their activities. American corporations and banks are now more likely to tap international capital markets to raise needed funds, and American investors often seek investment opportunities abroad. Similarly, foreign corporations and banks raise funds from Americans, and foreigners have become important investors in the United States.

A look at international bond markets and world stock markets will give us a picture of how this globalization of financial markets is taking place. The traditional instruments in the international bond market are known as foreign bonds. Foreign bonds are sold in a foreign country and are denominated in that country’s currency. For example, if the German automaker Porsche sells a bond in the United States denominated in U.S. dollars, it is classified as a foreign bond. Foreign bonds have been an important instrument in the international capital market for centuries. In fact, a large percentage of U.S. railroads built in the nineteenth century were financed by sales of foreign bonds in Britain. A more recent innovation in the international bond market is the Eurobond, a bond denominated in a currency other than that of the country in which it is sold— for example, a bond denominated in U.S. dollars sold in London.

Currently, over 80 percent of the new issues in the international bond market are Eurobonds, and the market for these securities has grown very rapidly. As a result, the Eurobond market is now larger than the U.S. corporate bond market. A variant of the Eurobond is Eurocurrencies, which are foreign currencies deposited in banks outside the home country. The most important of the Eurocurrencies are Eurodollars, which are U.S. dollars deposited in foreign banks outside the United States or in foreign branches of U.S. banks. Because these short-term deposits earn interest, they are similar to short-term Eurobonds. American banks borrow Eurodollar deposits from other banks or from their own foreign branches, and Eurodollars are now an important source of funds for American banks (over $190 billion outstanding).

Note that the new currency, the euro, can create some confusion about the terms Eurobond, Eurocurrencies, and Eurodollars. A bond denominated in euros is called a Eurobond only if it is sold outside the countries that have adopted the euro. In fact, most Eurobonds are not denominated in euros but are instead denominated in U.S. dollars. Similarly, Eurodollars have nothing to do with euros, but are instead U.S. dollars deposited in banks outside the United States.

Source: International Bond Market, Eurobonds, and Eurocurrencies by Saqib Ansari in Business and Finance Investing category.

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Source: Free Forex Trading Resources by Staff Writer in Business and Finance Investing Category.

What is Fundamental Analysis

Fundamental analysis is a stock valuation method that uses financial and economic analysis to predict the movement of stock prices.

The fundamental information that is analyzed can include a company's financial reports, and non-financial information such as estimates of the growth of demand for products sold by the company, industry comparisons, and economy-wide changes, changes in government policies etc..

General Strategy:To a fundamentalist, the market price of a stock tends to move towards it's “real value” or “intrinsic value”. If the “intrinsic/real value” of a stock is above the current market price, the investor would purchase the stock because he knows that the stock price would rise and move towards its “intrinsic or real value”

If the intrinsic value of a stock was below the market price, the investor would sell the stock because he knows that the stock price is going to fall and come closer to its intrinsic value.
All this seems simple. Now the next obvious question is how do you find out what the intrinsic value of a company is? Once you know this, you will be able to compare this price to the market price of the company and decide whether you want to buy it (or sell it if you already own that stock).

To start finding out the intrinsic value, the fundamentalist analyzer makes an examination of the current and future overall health of the economy as a whole.

After you analyzed the overall economy, you have to analyze firm you are interested in. You should analyze factors that give the firm a competitive advantage in it’s sector such as management experience, history of performance, growth potential, low cost producer, brand name etc. Find out as much as possible about the company and their products.
Do they have any “core competency” or “fundamental strength” that puts them ahead of all the other competing firms?

What advantage do they have over their competing firms?
Do they have a strong market presence and market share?Or do they constantly have to employ a large part of their profits and resources in marketing and finding new customers and fighting for market share?

After you understand the company & what they do, how they relate to the market and their customers, you will be in a much better position to decide whether the price of the companies stock is going to go up or down.

Having understood the basics of fundamental analysis, let us go into some more details.
When investing in the stocks, we want the price of our stock to rise. Not only do we want our stock price to rise, we want it to rise FAST! So the challenge is to figure out: which stock prices are going to rise fast?

Some stocks are cheap and some are costly. Some are worth Rs.500 and some are even worth 50paise. But the price of the stock is not important. The price of the stock does not make a stock good to buy. What is important is how much the price of the stock is likely to rise.

If you invest Rs.500 in one stock of Rs.500 and the price goes up to Rs.540 you will make Rs.40. However, if you invest Rs.500 in a 50paise stock, you will have 1000 stocks. If the price of the stock goes up from 50paise to Rs.1, then the Rs.500 you invested is now Rs.1000. You made a profit of Rs.500.

If you understand this, you can see that the price of the stock is not important. What is important is the rise in the stock’s price. More specifically the “percentage” rise in the stock price is important.

If the Rs.500 stock becomes worth Rs.540, then that is a 8% rise. This 8% rise only makes us Rs.40. On the other hand when we invest the same Rs.500 in the 50paise stock and the stock price goes up to Rs.1, it is a 100% rise as the stock price has doubled. This 100% rise makes us Rs.500.

The point is that when picking a company, we are interested in a company whose stock price will rise by a large percentage.

Please note: Looking at the above paragraphs, it may seem like a good idea to buy all the really cheap 50paise and Rs.1 stocks hoping that their price will rise by 100% or more. This sounds good, but it can also be really really bad some times! These really small stocks are very volatile and unless you know what you are doing, do NOT get into them.

However, the point to be noted is that we are interested in stocks that will have the highest % rise in the stock price. Now the question is, how do you compare stocks. How do you compare a stock worth Rs.500 to a stock worth 50paise and figure out which one will have a higher percentage rise.

How do you compare two companies that are in different fields and different industries? How do you know which one is fundamentally strong and which one is week?

If you try to compare two companies in different industries and different customers it is like comparing apples and elephants. There is no way to compare them!So fundamental analysts use different tools and ratios to compare all sorts of companies no matter what business they are in or what they do!

Now let us get into the tools and ratios that tell us about the companies and their comparison.

Source: Fundamental Analysis by James in Business and Finance Investing Category

Thursday, June 19, 2008

Stock Tips

You need to Know some “unforgettable basics” before you enter the world of investing in stocks. The stock market is a field dominated by savvy investors who know the ins-and-outs of the market. For people who are not “on the inside”, the stock market can be a VERY dangerous place. :

Don't even consider "tips" that tell you about "hot stocks". Consider the source: There are many people in the market who put in all their time and effort in promoting certain stocks. They do this because they have their money invested in those stocks. If they can get enough people to buy the stock and they can get the stock price to rise, they will sell the stock for a huge price, the stock price will crash and they will walk off to promote another stock.

Always use your own brain: It's extremely important. You must always use your own brain. Relying on the advice of others, no matter how well intentioned it may be, is almost always a complete disaster. Make sure you dig in and really examine the "facts about the companies" before you invest. Ignore press releases which have very little substance, and rely on "hype" to tell the company's story.

And finally the most important tip!!!Only invest money you can afford to lose!! Sure this is a basic point, but many many people miss it. You should only invest money that you can honestly afford to lose!! Everyone enters into investments with the idea of earning big profits, but in many cases, this never works. (Especially if you are new to investing in the stock market!)
Please understand that the above tips are tips for beginners. Once you really get into the stock market you do not need to follow these rules anymore. But if you are a new investor, you MUST follow these rules. They are for your own safety.

But then again, nothing comes free. Everything has a price. You will have to loose some money, make some bad decisions and then only will you really understand the market. You cannot understand the market by just looking at it from far. By following these rules, you will basically not loose too much!


Article Source Stock Tips

Tuesday, June 17, 2008

Win More with powerful Business Relationships

Successful business relationships are based on Value, Competence, Trust, and Propriety.

Value:
Value: The customer’s perception of your worth, excellence, usefulness, or importance. Value addresses the customer’s question, “What can this person or company do for me?”
Value can be articulated by explicitly answering these questions throughout the sales cycle:
• How much? (what the customer can expect to gain by doing business with you — in increased sales, lower costs, etc.)
• How soon? (when the customer will be able to receive the value)
• How sure? (proof that the customer will in fact attain the value stated)
Provide norms for the customer so that there is little question of what the customer can expect from you: “We have a track record of providing a 15% cost savings and 90% product availability within 2 days of order.”

What are norms that your customers can expect you to live up to?
Remember, it is YOUR job to tell your customers what value they can expect — customers shouldn’t have to work to figure out the value themselves. If you don’t explicitly quantify the value your customer can expect to receive — and your competition may be doing this work for your customer — who is going to win the sale?

Competence:
Competence: The customer’s perception of your skill, knowledge, and experience with respect to them or their business. Competence addresses the customer’s question, “Can this person or company do what they say they can do?”

Competence is demonstrated by the following:
• Completing and implementing an organized and logical sales approach
• Conveying an understanding of the customer and their business
• Demonstrating research and knowledge
• Substantiating your capabilities
• Involving team members appropriately and on a timely basis

The perception of competence is gained over time. As you work these guidelines into your approach to your customers, you will gain credibility and enhance your business relationships.

Trust:
Trust: The customer’s confidence in your integrity, ability, and intent. Trust addresses the customer’s question, “Do I trust this person?”

Trust is demonstrated by the following:
• Using third party introductions
• Providing a letter of recommendation (objective references help build credibility)
• Displaying honesty, candor, empathy, and respect (show that you’ve done your homework, show a concern for their time and issues)
• Conveying win/win intent (concern for positive outcome/success for both parties)
• Above all, substantiate with action:o Establish a track record of follow-througho Set new norms (guidelines for expected behavior that are agreed to and that can be counted on)

Propriety:
Propriety: The customer’s perception of the appropriateness or properness of your actions with respect to them or their business. Propriety addresses the customer’s question, “Is this person behaving properly or appropriately?”

Part of exhibiting propriety is in the way you present yourself. Over half of others’ perceptions of you is based — at least initially — on your appearance. Therefore, take care in your physical appearance, mannerisms, vocabulary, and business etiquette. If your first “appearances” occur on the phone, pay special attention to your tone, enthusiasm, and vocabulary.

A second, critical part of demonstrating propriety involves your adaptability to other people. In business, the Golden Rule — “Do unto others as you would have them do unto you” — is usually inappropriate. In fact, if you treat others as you want to be treated, you may end up ignoring their needs, wants, and expectations, which may be completely different from your own.

You must be astute enough to recognize others’ needs, wants, and expectations AND you must be flexible enough to treat people the way they want to be treated.Relate to your customers in a way that makes them feel most comfortable. This decreases “relationship tension” and increases trust, credibility, cooperation, and the commitment to work with you.

Build your business relationships — and your future — by focusing on these critical elements of Value, Competence, Trust, and Propriety.

Terence R. Traut is the president of Entelechy, Inc., a company that helps organizations unlock the potential of their people through customized training programs in the areas of sales, management, customer service, and training. Terence can be reached at 603-424-1237 or at Entelechy's website.

Terence R. Traut is the president of Entelechy, Inc., a company that helps organizations unlock the potential of their people through customized training programs in the areas of sales, management, customer service, and training. Terence can be reached at 603-424-1237 or ttraut@unlockit.com.

Article Source: Win More with powerful Business Relationships

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