Racking up big investing victories over the past six years was easy. Now, though, the going looks to be getting tougher. These three strategies will help you stay on the path to your goals.
There’s nothing like an extended bull market to make you feel like a winner — and that’s probably just how you felt coming into the start of this year.
Sure, the recent wild swings in the stock market may have you feeling a bit more cautious. Still, even now, the Standard & Poor’s 500 stock index has returned more than 200% since the March 2009 market bottom, while and bonds have posted a respectable 34% gain.
The question is, will the winning streak continue?
Should it persist through the current bout of volatility, the stock market rally will be entering its seventh year, making it one of the longest ever; at some point a bear will stop the party. Meanwhile, the Federal Reserve is signaling the end to its program of holding down interest rates and thus encouraging risk taking. And there’s zero chance that Congress will add further fiscal stimulus. In short, the post-crisis investing era—when market performance was largely driven by Washington policy and Fed intervention—is over. “As the global risks have receded,” says Jeffrey Kleintop, chief global investment strategist at Charles Schwab, “the focus is going back to earnings and other fundamentals.”
The stage is set for a reversion to “normal,” but as you’ll see, it’s a normal that lacks support for high future returns. For you, that means a balancing act. If you don’t want to take on more risk, you’ll have to accept the probability of lower returns. Following these three guidelines will help you maintain the right risk/reward balance and choose the right investments for the “new” normal.
1) Keep U.S. Stocks As Your Core Holding…
Stocks are expensive. The average stock in the S&P 500 is trading at a price of 16 times this year’s estimated earnings, about 30% higher than the long-run average. A more conservative valuation gauge developed by Yale finance professor Robert Shiller that compares prices with longer-term earnings shows that stocks are trading at more than 50% above their average.
“Given current high valuations, the returns for stocks are likely to be lower over the next 10 years,” says Vanguard senior economist Roger Aliaga-Díaz. He expects annual gains to average between 5% and 8%, compared with the historical average of 10%. Shiller’s numbers suggest even lower returns over the next decade.
That doesn’t mean you should give up on U.S. stocks. They remain your best shot at staying ahead of inflation, especially today, when what you can expect from a bond portfolio is, well, not much. “Stock returns may be lower,” says Aliaga-Díaz, “but bond returns will be much less, so the relative advantage of stocks will be the same.” And the U.S. economy, though far from peak performance, is the healthiest big player on the global field.
Your best strategy: Now is a particularly important time to make sure your stock allocation is matched to your time horizon. “The worst outcome for older investors would be a bear market just as you move into retirement,” says William Bernstein, an adviser and author of The Investor’s Manifesto. A traditional asset mix for someone in his fifties is the classic 60% stock/40% bond split, with a shift to 50%/50% by retirement. If your allocation was set for a 35-year-old and you’re 52, update it before the market does.
On the other hand, if you’re in your twenties and thirties, you should be far less worried about today’s prices. Hold 70% to 80% of your portfolio in equities. The power of compounding a dollar invested over 30 to 40 years is hard to overstate. And you’ll ride through many market cycles during your career, which will give you chances to buy stocks when they’re inexpensive.
2) …But Spread Your Money Widely
With many overseas economies barely out of recession or dragged down by geopolitical crises, international equity markets have been trading at low valuations. And some market watchers are expecting a rebound over the next few years. “Central banks in Europe, China, and Japan are making fiscal policy changes that are likely to boost global growth,” says Schwab’s Klein- top. Oil prices, which have fallen 40% in recent months, may boost some markets as consumers spend less on fuel and step up discretionary buying.
But foreign stocks aren’t uniformly bargains. The slowdown in China’s economic growth threatens the economies of the countries that supply it with natural resources. Japan’s stimulus program to date has had mixed success, and the reason to expect stimulus in Europe is that policymakers are again worried about deflation.
Your best strategy: Spread your money widely. The typical investor should hold 20% to 30% of his stock allocation in foreign equities, including 5% in emerging markets, says Bernstein. Many core overseas stock funds, such as those in your 401(k), invest mainly in developed markets, so you may need to opt for a separate emerging-markets offering—you can find excellent choices on our MONEY 50 list of recommended mutual and exchange-traded funds. For an all-in-one fund, you could opt for Vanguard Total International Stock Index VGTSX -0.07% , which invests 20% of its assets in emerging markets.
3) Hold Bonds for Safety, Not for Income
Fixed-income investors have few options right now. Today’s rock-bottom interest rates are expected to move a bit higher, which may ding bond fund returns. (Bond rates and prices move in opposite directions.) Yet over the long run, intermediate-term rates are likely to remain below their historical average of 5%. If you want higher income, your only alternative is to venture into riskier investments.
Your best strategy: If you don’t want to take risks outside your stock portfolio, then accept that the role of your bond funds is to provide safety, not spending money. “After years of relative calm, you can expect volatility to return to the stock market—and higher-quality bonds offer your best hedge against stock losses,” says Russ Koesterich, chief investment strategist at BlackRock. Stick with mutual funds and ETFs that hold either investment-grade, or the highest-rated junk bonds. Don’t rely solely on government issues. Corporate bonds will give you a little more yield.
You may be tempted to hunker down in a short-term bond fund, which in theory will hold up best if interest rates rise. But this is one corner of the market that hasn’t returned to normal. Short-term bonds are sensitive to moves by the Federal Reserve to push up rates. The Fed has less ability to set long-term rates, and demand for long-term Treasuries is strong, which will keep downward pressure on the rates those bonds pay. So an intermediate-term bond fund that today yields about 2.25% is a reasonable compromise. Sometimes in investing, winning means not losing.
We live in an era when technology is developing very rapidly. In some places or in specific country has been heavily dependent population lives with technology, can be said to be almost more than 70% of human work can be replaced by technology. From a wide range of technology, electronics has progressed much more rapidly. Imagine nearly all humans have the electronics at home, so even though there are still old electronics.
From the above it can be concluded that human beings need electronic equipment to accompany their lives. Of personal equipment, household appliances, vehicles, etc. all use electronics. Just one reason why they need electronically for ease. Yes facilitate their affairs, especially in activity. Thus the higher the demand for electronically so that companies – companies see this being a great business opportunity. But the raw material for making these electronics is not easy, requiring only a huge cost for raw materials, yet its cost of production. From here why the price was more expensive electronics.
To meet the needs of electronic, they even went into debt. From market sometimes give promo cash loans to buyers with specific requirements. Because back again on economic principles, if the debt they are still able to set aside part of the remaining loan payments in cash for daily needs – day or for other needs. This opportunity back used by the bank as a business opportunity, they cooperate with shops selling electronics or even a distributor of electronic device manufacturers to collaborate with the results able to provide a special price to the buyer if do cash loan when making a purchase electronic goods.
So also for borrowers, they are also easy in getting this cash loan deals. Borrowers do not have to come to the bank and then submit the form of loans, but can now be done online. Borrowers can apply for cash loans from the office, home, during their journey even connected to the Internet. As in http://www.topratedcashloans.net/electronic-borrowing described the ease of obtaining these cash loans. If approved nominal money can be directly transferred to your bank account, and so forth according to the agreement you.
With the ease of it, so do not worry if you are going to buy electronic goods. But what you should do and this is very important for the economy you are wise in using the loan, arrange your loan in accordance with the strength of your finances, do not let the cost of installment cash loans you are much greater than your income, or leaving little of the results of your income. Since this is only going to cause problems again, so you better put off making your purchase electronic goods by way of cash loan, until you feel your own finances better and maybe you can buy the electronic items in cash, or by borrowing.
From the description above may be useful for all of us. Demand for electronic goods is important, but still see where the primary and secondary needs. With the loan arrangement wise we can get a lot of advantages, such as electronic goods we get, and our finances are not cluttered. Hopefully this article useful for all readers.
This is something that most establish network-marketing companies wont tell you about
According to MLM Next Step LTD:
In the early 1960s, franchising was a revolutionary new technology in business and it was also met with resistance. Newspapers and magazines wrote what a scam and rip-off franchising was. Stories of people who lost their life savings to some franchise were everywhere. There was a strong move to make franchising illegal. In fact, franchising actually came within 11 votes of being outlawed by Congress.
Today, this so-called scam is responsible for over 34 percent of all retail sales in North America. Franchises sell nearly 800 billion dollars worth of goods and services today. Every industry goes through an evolution similar to this. Chiropractors were considered quacks in the 1970s, the stock market was considered shady and a form of gambling and the first newspaper in British North America, The Public Occurrence (1690), was suppressed by the governor of Massachusetts. Now, we almost can’t do without these industries.
Creation of company: You must first create your company, along with a catchy name, as well as marketing tools.
Product management: Manage your products, whether they are your own or an affiliate product. Delete the ones that arent selling and market the ones that are!
Getting top gun recruiters into the company: You need a team to make your company successful. Getting the best recruiters on your team will bring you much closer to success.
Drafting out a compensation plan: How will you compensate those on your team while still making a profit?
Company is shown to the world: Get the word out about your company through PR. Begin with an eye-catching press release.
Formulation of a robust company
50% out network marketing companies go out of business in the first year.
80% of remaining network marketing company wont even get pass the 3rd year.
Those who pass the 2 most important criteria are game for great momentum growth.
1. Hit the masses.
2. Steep Surge of sales figure; imagine that of a tsunami wave.
3. This is where HUGE money was made.
4. Huge numbers of distributors join the company.
Finally the network marketing company, which passes the formula, concentration and momentum stage, will reach stability stage.
There will still be growth in the company but not of huge proportions compared to the momentum stage.
Most importantly, what is in it for you? If you were to ever join a network marketing company, make sure you ride on the tsunami wave where it is in its infancy and enjoy the process. As technology is moving at a staggering speed, a company that uses Internet as a recruitment platform will go much further and faster.
Your house is your regenerating place. It keeps your own peace of mind right after a lengthy day at work by the comfort and ease and also leisure it provides. Purchase chaise lounge cushions and finish your own rest which will certainly add leisure to your own area. The overall flexibility of the product provides all the factors to invest in it. Put it in your outdoor patio, family area or perhaps in your master bedroom. The design gives style to the area, providing it a new appear each time. Here are a few of the reasons why you should acquire them.
Very Long lasting
With the climbing cost of everything, you’ve to ensure that the stuff you purchase with your hard-earned cash is really worth each and every cent. One qualifying criterion for this is definitely its durability. The chaise lounge cushions last for several years. With the ultraviolet light and weather resistant materials, you are going to undoubtedly get pleasure from your money’s worth for a longer time. Further proper care for the material is quite crucial, to add much more years in the life span of the chaise lounge cushions. The us dollars you are going to invest in will be worth every penny.
The chaise lounge cushions are incredibly trendy pieces that you could add to the home decoration. You can match the item with your current home theme, by simply dressing it up with various other fabrics. Take advantage of the overall flexibility of the cushion and select from the diverse patterns as well as shades. Simply just stop by your retailers’ shops and you’ll definitely discover an excellent deal of total satisfaction from their current versions.
Considering the durability as well as the luxury you get, the affordability of the chaise lounge cushions is extremely good. To get yourself a far better deal from the merchant, check out these during off-season product sales and you can enjoy large discounts. You’ll be able to additionally buy in large quantities and present them as gifts to your family members as well as close friends. With the functionality of the chaise lounge cushions, they’ll definitely appreciate your thoughtfulness.
Quitting smoking may just be the hardest thing anyone will have to do in their life. It was definitely difficult for me. I took the hard-core, cold turkey route as opposed to using any stop smoking aids, but today those looking for relief and freedom from their nicotine addictions may not have to fight so hard. Nicocure is a new, all-natural stop smoking aid that claims anyone can quit smoking in 30 days or less. That certainly is quite a claim, but is it all just marketing hype and fluff?
I am not 100% sure what to think about nicotine addiction. I quit smoking myself cold-turkey without the use of any stop smoking aids such as Nicocure. I felt that if my desire was truly strong enough that I would be able to overcome anything. It still took over 20 attempts even then. My own mother struggles with it daily and has tried to quit numerous times with a variety of methods. Maybe this really has nothing to do with willpower or desire, but instead we should recognize that this addiction is so powerful we could all use a little help. So where does one turn? Nicocure claims to have that answer.
There are so many different products on the market today all claiming to help people quit smoking. This is definitely BIG business, but if these products all did what they claimed they could do, I do not think I would see so many people struggling. The developers of Nicocure would agree and they cite one major reason for the failure of these other products that really caught my attention.
The two major types of stop smoking aids on the market today are gums and patches. According to Nicocure, the problem with all of them is that they contain nicotine. nicotine is the substance of the addiction in the first place so a serious question arises here. Is it beneficial to fight nicotine addiction with nicotine? Once you finish the gum or patch program what have you accomplished? It seems to me that you have accomplished nothing except keeping nicotine in your system. You get off the patch and the gum and you still have the same problem. Withdrawal is just around the corner.
This is why Nicocure was developed and why it claims to make the difference that other products cannot. Nicocure patches offer what seems to be an effective and alternative to the nicotine-derived products we are so used to seeing today. As a 100% all-natural and herbal formula, Nicocure claims to mimic nicotine just enough, so that the brain is satisfied, while the body completely removes the addictive chemical from its system. It allows your brain to continue releasing dopamine just as it did while you smoked. The point here is that you will be able to rid your body of that nasty nicotine chemical without having to go through the physical and psychological anguish that causes so many to fail early on.
So the question remains…does it actually work? Nicocure wants to put this question to rest, so they offer a guarantee. If Nicocure does not help eliminate your cravings for nicotine, and end your smoking habit permanently within 30 days of purchase, they will refund 100% of your money. As always I remain skeptical, but I also know how much easier my battle could have been if Nicocure was available at the time. With the dangers of nicotine so great, and the benefits of quitting so numerous, this is a guarantee I would be willing to accept, and one I will be introducing to my mother.
Adam Bauthues has a passion and a love for personal development and health-related niche topics. His most recent website reviews and discusses the smoking cessation product Nicocure, and can be found at: http://www.NicocurePatchReview.com
Generally speaking, an affiliate marketing business model involves a company recruiting and signing up individuals (affiliates) who sell its products for a reward. This pay back may be either monetary or non-monetary depending on products or services affiliates sell. Marketing online as an affiliate is a low-risk, high-return business chance. You don’t necessarily have to invest huge amounts of rented money or personal savings to get started. Depending on the kind of business that you choose, you can begin with next to zero investment.
E.g., to work as an affiliate marketer online, all you need is a computer and internet access. Most people have access to the internet as well as an extensive range of internet-enabled devices such as laptops and mobile devices. Not like traditional blue-collar jobs, affiliate marketers delight in flexible working hours and environment. It is fully up to you to decide when you want to work and for how long. You can work from the comfort of your home, while on holiday, work 24 hours a day and even when travelling.
Blue-collar employees can only dream of such flexibility. To get a blue-collar job, one has to meet a slew of requirements including educational qualifications, references, background checks, working experiences and even drug tests. Remember satisfying all these requirements does not guarantee one a job. To work as a marketer on the internet, you need some working experience. Moreover, most web-based marketing programs provide training whenever it is necessary. In the corporate world, only one or two people crack the glass ceiling. In fact, this is not the case in the affiliate marketing business landscape. Actually, it is up to you to decide how high you want to fly.
Nevertheless, you should be willing and ready to work hard in order to turn your dreams into reality. If you want to become an affiliate it is not that hard. You just go to the website of choice and look for their affiliate link program. Generally what will happen is you will sign up and get a unique affiliate ID along with some links and banners. Then you place these on your website so that your prospective audience can click on those links which if they purchase, you will get a commission. Just because you signed up for an affiliate program doesn’t mean that you are actually going to drive traffic to your website. As an affiliate marketing agency, 2Leva helps enhance your business’s online strategy by creating and managing an affiliate marketing program that yields performance based results.
A duplicable ACN marketing plan is the most important thing you need as you are trying to build a team of distributors. If you want to learn how to make a full time income in this business, you’re going to need to learn an effective form of ACN marketing that targets people that are actually interested in a business opportunity. If you’ve been in network marketing for more than a few weeks, you probably realize that the single most difficult thing about building your team is finding interested prospects to talk to. Folks who are truly interested in what you have to offer, and are happy to hear from you with regards.
The obstacle is, that the ‘old school’ ACN marketing techniques that they are STILL teaching, just don’t work anymore. The old school promotion tactics I’m talking about include the following:
-Pitching to your friends and family -Wandering around at the mall handing videos and business cards to as many people as you possibly can -Purchasing leads on the Internet and cold-calling until you’re blue in the face
Those three recruiting strategies that have been around since network marketing started in the early 1900’s are the precise reason that ninety-seven percent of those who join ACN or any other network marketing company, will never make a dime and quit within 93 days with a horrible feeling about MLM. On the flip side, there are people who are successful using these strategies – and if you’re one of them, then that’s great. However, I bet the reason you are reading this article is because you are in search of an easier less painful way of using ACN as your vehicle for financial freedom and long-term wealth.
Luckily, there’s an easier method of ACN marketing; and it’s the Internet. See, the really great thing about the Internet is that there are thousands of people everyday looking for a new opportunity to join, so all you need to do is get in front of those people, and wa-lah – you will have MUCH less rejection, and much more distirbutors joining your downline – some on complete autopilot.
Imagine that, people calling you, asking about exactly what you’ve got to offer! The days of cold-callig, the 3 foot rule, and hassling your friends and family are over! It allows you to first market YOU, & market ACN after- so that you don’t blend in with the rest of folks who are trying to recruit into ACN, and instead, appear as a leader that people will want to join, follow and learn from.
So, if you are ready to drop the caveman ACN marketing plan you’ve been taught in the past, and you’re ready to learn the ACN marketing tactics that work in 2011 – absolutely free – click here right now!
It really doesn’t matter if you own a restaurant, a dry cleaners, a blogging business or any other online or offling business. Marketing your business online is absoutely crucial for allowing you to show your customers where you are and that you exist. The reason is that the Internet is now where everyone goes to find things. If you want to connect with your customers through social media, then Facebook is the place to start. p>
The reason is that Facebook is the top social media platform in the world. There are more people on this social site than any other. If you want more customers, even for your offline business, then this is where you want to go.
You can get started for free by building a Facebook Fan Page for your business. If you want to make it effective and connect with your customers, then follow these tips.
1. Build a Facebook Fan Page for free.
Fan Pages are free to build. Choose from a brand or local business page. Pages are even available for personalities, celebrities or a cause. You have many options when choosing to build a page, and you can even use it to build an email list as well as engage potential customers and customers.
2. Create and post engaging content for your readers.
Mixing up your content is very important. You don’t want to constantly post sales offers. Interesting articles, as well as pictures and videos work well. Even a tour of your local business may engage your customers. Consider showing some of the food you offer if you own a restaurant. Regardless of the type of business you have, any type of walkthrough may help your potential customers to give them an idea of whether your business meets their needs.
3. Use Facebook to collect leads for your business.
As I mentioned before, building a list is absolutely crucial to your success. It allows you to reconnect with those who haven’t purchased from you. Mixing up your content is important here too. You don’t want to constantly send your subscribers sales offers. Mix in content too. a 50 percent ratio of sales messages to content works well. The content you offer needs to be valuable to your reader. If you’re not sure, consider doing a poll and ask.
4. Build pages to appeal to each audience in your business.
It is important to know who your audience is and who you want your offers to appeal to. This will help you with content. Pictures work really well with Facebook, so create photos that brand your business. If you have a website, make sure you include the address for it on your photos for branding purposes. Since so much content gets shared on Facebook, your photo or content can go viral. Make sure you have a way for those who see it to contact you.
5. Use Facebook Ads to scale up your promotion fast.
The fastest way to get new visitors to your page is through Facebook Ads. What’s important here is knowing your audience. Otherwise you spend a lot of money on ineffective advertising, and you’re just throwintg that money away. Target your market carefully so you get the results you want.
Delivering an email newsletter means you are required to have an email marketing plan on generating content on a daily basis. You may be sending weekly, monthly or on a completely different timetable. It is significant to redesign your content in advance. One of the difficult parts of writing a newsletter is getting in the habit of creating content frequently and ensuring that it is correctly published. But, you can make the method much more convenient with effective planning.
Whenever you plan the content of your email newsletter, just make sure that you are not just delivering an email – have a purpose behind it. Develop an email marketing plan for your campaign to make relationships. It may be significant to you that you have details of a new product or service that you want to explain them. Even though, if you are unable to find perspective of what the reader needs, in favor of marketing your business, your customers will stop going through it. Developing the best user experiences in advertising is the main element to nurture more leads.
A useful, revealing and entertaining email newsletter content will attract your subscribers to your newsletter and they will definitely be reading it when you make a decision to send some sales based information. Here are some tips to create an effective content plan for your email marketing newsletter:
1. Try to create the best content for attracting the right people. There is no definite set of regulations; you will only find out what attracts to your customers through testing. Testing and assessments will help you in determining what is right for your email newsletter campaigns.
2. Click-through rate is the best way to discover what content in your newsletters your receivers like going through more about – definitely the higher the click-through rates are the better. Use click-through details to observe what was latest and then modify content and links for that reason in future e-mail campaigns.
3. Try using surveys in your emails or registration page. Surveys are the best method for getting out about your customer preferences. For instance, what they are involved in and what they would like to perceive more in your promotional newsletters that way, you identify what they want and you can deliver more appropriate emails, which increases open rates.
4. Take that subsequent step further by integrating customer voices into your emails, by including customer reviews, testaments, RSS feeds, and remarks in your newsletter. Having your customers talk about your products or services for you right away improves your brand identity in a manner that even the best marketing copy cannot match.
5. Try personalizing your newsletter with active content, a component within an e-mail campaign that varies from one customer to another relying on the details you have for them in your record. It is a great method to increase the relevance of your content, and better convene your recipient’s individual requirements. Additionally, active content has been verified to considerably increase click-through rates.
6. Get the right balance of revealing updates about your organization, business, and guides or resources to involve that are helpful to your customer. Therefore, getting the right pace for your email newsletter is significant. You will get more return on investment from your email newsletter if it is sent on a regular time, i.e. on a daily basis, weekly or monthly.
Sadly, its not uncommon to have computer chairs snap under you. You might not even be that heavy, but chairs just arent made as well these days! Remember back when they were all metal? Those suckers withstood anything. These days, plastic is all youll find in most computer chairs. Overweight people tend to have even more problems since chairs often last only a few weeks before something breaks.
While you can keep using the chair without an arm or even if the back cracks and ends up at a weird angle (yes, this happens to many of us!), once the support column or one of the wheels or base legs goes, youre pretty much hooped. Many people cobble together Frankenchairs, made from a base that still functions with a seat that is still intact, just to save a bit of money. It might seem silly, but if you have computer chairs break on you every couple of months, this is what happens.
So, why do your chairs break? Here are three main reasons:
1. Its not built for weight. Most computer chairs are designed to withstand 150-200 lbs. So, if you weigh anything over that, your chair isnt going to last very long. Thats why you might want to look at computer chairs for overweight people, which can be rated for up to 500 lbs.
2. The material is poorly made. Unfortunately, there arent many high standards in the world of office chairs. Overweight people have discovered that plastic simply isnt designed to withstand much weight . . . it twists and bends and eventually cracks under the stress. These chairs are often stamped out of low cost plastic, which is not sturdy enough.
3. You move too much. When a computer chair is working properly, it will roll smoothly over the floor. However, poorly built chairs cant hold up to the weight. They will sink down, essentially crushing the wheels against the caps and the wheels wont roll. When this happens, you will end up jerking the chair to move it and that puts extra stress on the already fragile joints.
Often its a combination of these three factors that causes a computer chair to give way. You will want to make sure that you choose your chair very carefully. There are a number of designs in computer chairs for overweight people that will hold more and resist more action. Even if you arent obese, choosing a sturdier chair can be a good investment in the long run.