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Some Information on Business Management and the Risks Involved in a Business

Some Information on Business Management and the Risks Involved in a Business

Every business has some kind of risk involved in it. The amount of risk involve depends upon the size of the business. The product is the main part of the business and it is actually what defines the entire business enterprise. This is why entrepreneurs put a lot of effort into manufacturing the best product. The entire reputation of the company depends on the product being produced. And if there is anything that is faulty the entire reputation can go to the drains. This is certainly not acceptable. This is know as productrisk. The first thing the entrepreneur needs to do is prevent or avoid any kind of mistakes in the product or the byproducts. The main purpose of establishing a business is to earn profit and if the enterprise doesn’t fulfill this purpose then, it is completely pointless. It is essential that you put in a lot of efforts to correct all the mistakes that are involve in the process of production.

The first thing that and entrepreneur needs to do is check if there are any mistakes in the process of production. He or she should check if all the parts that are being used are efficient. If they are not, even one faulty part can ruin the entire product. This can lead to massive losses. Nowadays people are looking for quality and not quantity. This is because the status of living has gone up. If the product is not of good quality then, it is ignored. The entrepreneur should be able to explain the design of the product. he or she should also be able to explain why they chose this design in particular. A product will need a lot of vendors so the entrepreneur should keep a track of the supply chain. This will help him or her manage their finances more efficiently. Vendor management is important for the long life of the business.

Product management can be made easier if the entrepreneur implements the right strategies. This will help to lengthen the life of the business. The longer the business goes on the more you will prosper. And the prosperity of the business depends upon the product being manufactured. It is essential to keep a track of all the good going out of the enterprise as this in turn will help you keep track of the entire money coming in. in other words it will help you manage your accounts. A business cannot be run without preparing accounts.

Why The Stock Markets Keep Going Up While The Economy Is So Bad

Why The Stock Markets Keep Going Up While The Economy Is So Bad

Confusion is one of the worst mental and emotional tortures. This article is to resolve the confusion of the conflict of how the economy can be so bad and the stock markets be at all time highs.

I have been trading on the stock markets for over 13 years. Using the insights gained from an objective view of life, I have found the tricks, and the ways to succeed.

Let’s start with explaining how the stock market values and movements are determined.

The markets are a weighted average of a selected and very small number of companies. While there are thousands of public companies, the three main US markets those companies are listed on, do not represent the objective reality.

The Dow Jones is based on 30 companies, the S&P on 500 companies and the NASDAQ uses 100 companies. Although the Dow includes only 30 of the more the than 5,000 U.S. stocks, the combined value of the 30 companies is about 25 percent of the total value of all U.S. stocks.

They use a weighted average of only those few selected companies to determine the value of the market.

This means that if Apple goes up significantly in one day, while most of the other companies in the NASDAQ go down, then the NASDAQ will go up, because Apple is such a big company that it outweighs all the others.

Apple is worth over $2 Trillion. If the combined value of all the other 99 companies is only under $1 Trillion for example, then Apple alone effects the movement and value of the market twice as much as the combined 99. Likewise, if every company in the NASDAQ goes up, but Apple goes down, the market will go down.

The big companies are given move ‘votes’ so to say, than the small companies.

In August 2020, the markets are at an all time high, however, over 60% of public companies are still at significant losses.

The stock markets have nothing to do with the real world market, the select few are all that count.

My next article titled; “Stock Trading Based On Emotion” will explain another market quick that leads people into poor investing decisions, and shows you how to make money using a method I developed and is 95% successful.

People read about the markets going up, so they buy stocks in different companies, and those stocks go down, and they are confused. ‘Why do my stocks go down, or not go back up, if the markets are at all time highs?’

Because it is not a market that is up or down, but rather just a handful of companies. Let’s use the analogy of a shopping mall. There is a large grocery store in the mall, they are always busy, but the small independent stores have no business and make no money.

The owner of the mall says the mall has all time highest sales, because the only tenant that is counted is the grocery store, ignoring the little shops.

Another example of how the rich control the markets was a joint effort between CNBC TV, one of the most widely watched and trusted stock market shows, and Bill Ackman, a billionaire stock trader. Being such a large fund manager and wealthy man, people trust and respect what Ackman says and follow his advice.

On March 18, 2020, Mr. Ackman was allowed to go on an emotional rant on CNBC for over 27 minutes, much longer than other people who they interview. He went on the air with such an emotional plea about the Coronavirus and it’s deadly potential, crying for fear of his father’s safety. Ackman named several companies and industries that he said would be bankrupt and their share value would go to zero.

You can watch the full interview here https://www.cnbc.com/2020/03/18/bill-ackman-pleads-to-trump-to-increase-closures-to-save-the-economy-shut-it-down-now.html

As he was speaking, the stock markets crashed as investors sold all their shares in those and other companies. That was the bottom of the market crash, shortly after he finished his TV rant, stocks started to recover.

One week later, CNBC reported that Ackman made over $2 Billion in profits that week, BUYING the very same companies that he said were going to zero value and bankrupt.

This is just my opinion but that sounds like an obvious manipulation of the stock markets by Mr. Ackman, supported by CNBC. Yet the SEC, the government regulator to protect people from this sort of manipulation of the markets has done nothing about it. Again, the 1% super rich get away with destroying the lives of the small people who all sold or were forced to sell their shares at significant losses due to margin calls or panic while the markets crashed during his TV rant.

This is the type of event that makes people distrust the stock market. But we should not give up so easily.

The lesson I would like to pass on to you is, the world of business is based on greed, but, you know that already. The real lesson regarding the stock market is; accept reality and find the ways they are trying to trick you, then go along with their tricks.

Don’t get angry that they are liars and cheats, that’s just your definition of what they do. They call it smart business. Right and wrong are all a matter of subjective opinions. In this world, the opinion of the rich is the one that they make the laws and rules based on. So play with their rules and you will win.

But please, try to be a better person with the money you make than the ones who control the system.

Proper Keyword Research

Proper Keyword Research

Many search engine marketers and ad agencies offer keyword research services. Keyword research and analysis aren’t as simple as using the tools available at Overture and Google. Web site owners must go beyond these tools and look at the big picture.

But do you know what keywords your potential customers are entering when searching for the product or service you offer?Cornering this one aspect of search engine optimization is extremely important, and can literally transform your site to one with modest traffic, to one that is full of high quality traffic on a daily basis. There are plenty of tools on the market that can help you achieve your research goals. This site will feature discussions of those tools and other concepts to help you get more traffic to your website.

Never forget that keyword marketing research is the factor that determines the success or failure of your niche site. Keyword ranking is a very important process for any webmaster or writer to make use of the most searched keywords and related terms to help visitors find what they need. While doing keyword optimization it is always recommended to do a thorough market research and competitive analysis to find top keywords used by search engine visitors to find products and services online and what search terms are targeted by your competitors who are doing well in online marketing.

Keyword ranking will help you keep afloat from your competitors, because through it, you?ll know what the public wants, what people are actually looking for, thus giving you ample time to come up with services and goods that these people want. At its simplest level, keyword research is about studying the phrases that work for your search engine audience.

The process of uncovering and selecting the appropriate keywords for your site is called keyword research. Very simply, it involves undertaking an often painstaking investigation to discover what terms people search for, how often, and how many and which other sites appear for those terms. Keyword research is a strategic exercise that enables you to determine which queries your site is most relevant for and for which you can feasibly expect a return, then optimize your site accordingly.

In summary, a keyword ranking research is the heart of any search engine optimization task. An effective website relies on good keyword density, and using the right tools to manipulate those terms.

The counterintuitive rule of search engine keyword research is to try to forget that search engines can send you traffic. View the data as free or low-cost market research and you?ll have the proper mindset to formulate a content strategy that has a shot at ranking well. People need to like your content before Google will.

But the real fun begins in the th tab of Web CEO Keyword Tool. Web CEO will research each keyword’s competition as thoroughly as you’d probably never expect from software. When it comes to SEO (Search Engine Optimization), the keyword competition becomes a complex measure of the leaders’ strength that consists of their link popularity, Google PageRank and Search Volume, Alexa Traffic Rank, overall number of pages that have included that key phrase in their TITLE tags, prices that the leaders pay to stay in the top of the paid search results etc., etc. Web CEO will quickly return all this data to you in one convenient table, allowing you to reshuffle keywords according to any parameter, finally discovering those special “money terms”.

Not only do these tools provide data on search volume, many will give you an idea of the number of search engine results for each term. This is usually referred to as the level of competition. All other things being equal, the lower the competition for a given keyword, the better your chances of getting a good ranking.

Remember that Wordtracker and Overture are both useful tools for relative keyword data, but can be highly inaccurate when compared to the actual number of searches performed. In other words, use the tools to select which terms to target, but don’t rely on them for predicting the amount of traffic you can achieve. If your goal is estimating traffic numbers, use programs like Google’s AdWords and Yahoo! Search Marketing to test the number of impressions a particular term/phrase gets.

Make sure that the search terms you are considering are highly relevant to your ultimate goal. If you are a service provider or selling specific products, keyword relevancy may be easier to determine?you ultimately want someone to purchase the product or service. Other goals may require more careful consideration, such as subscriptions to content publications and contributions to charities, for example.

For your keyword research try using KeywordSpy – a keyword research technology that will help you know what keywords your competitors are using and how it generates money for them, you can use those keywords to drive traffic to your site and give your business the exposure it needs. It offers Free trials.

Seed keywords are the words you use to start a keyword research project. In themselves, they’re not very useful, but the directions they take you in can produce a rich source of money-making keywords.

In the early days of keyword research, webmasters evaluated a keyword’s potential by calculating a simple demand-to competition ratio. Competition meant how many pages could be found on a search engine for this keyword. Next, it was necessary to know how many people searched for this keyword daily. For this purpose, webmasters and optimizers used the numerous online keyword research services that gather the so called “live searches data” from smaller search engines and meta-search engines.

As mentioned earlier, don’t select keywords without strategically researching and exploring your options. There are several very good paid subscription tools out there to help you conduct keyword research. Both are available for short-term rental. However, if you’re a sole proprietor or new to the SEO scene, it may be easier and more cost-effective to make use of the many free tools out there.

Business Books For Portfolio Profits

Business Books For Portfolio Profits

Invest In your Own Stock Market Education

Our Thesis: Success leaves footprints.

If you can read you can prosper by knowing the keys that made other investors successful. I am an advocate of having a growing library of stock market information. In answer to your email requests here are a few of the books I recommend for your library

A ) Analysis for Long Term Success

Security Analysis, Benjamin Graham, Dodd – learn from the Columbia School prof who taught Warren Buffett. Still regarded as the seminal book in research and valuation – updated in later editions.

This is a book that shows how strict fundamental analysis can be used to find undervalued situations. Graham believed that buying stocks that were markedly undervalued provided a margin of safety for investors. The present financial problems have a lot of investors going back to the basics about which Graham writes.

Graham stripped the accounts to the bare minimum to find which companies were severely undervalued in the market.

He believed that this provided a ” margin of safety ” that could result in the long term safety of capital and then capital appreciation.

The chief elements of performance are:

1) Profitability – over the long term

2) Stability of earnings – over a ten year period

3) Growth – look for growth among low price/earnings

4) Financial position – low and manageable debt

5) Dividends – a history of continued and uninterrupted dividends.

B) Trading

How To Trade in Stocks, Jesse Livermore – updated by Richard Smitten

Start with the instructions of the famed Jesse Livermore who was so dominant on Wall street JP Morgan had to get his cooperation in order to stop a panic on Wall Street.

Interestingly, the lessons of the last century are applicable today.

Livermore wrote of his own experiences in Reminiscences of a Stock Operator under the nom de plume Edwin Lefevre.

Key elements:

1) Patience – wait for a clear trading signal

2) Cash on hand for use after a signal

3) Need for both a market trend and a sector trend

C ) Commodity Forecast

The New Reality of Wall Street Donald Coxe

Don was a strategist for the Harris Bank before starting his commodity trust last year. A great overview of the market and a n intelligent world view of the market to come. He made the great call on commodities after a tour of the east and his personal observations of the growth of the new middle class – in their hundreds of millions.

Don Coxe now manages his own commodity fund ( COX.UN). it is currently 30 % cash and he is a

bull awaiting a return of a long term bull market in commodities. His thesis remains: The millions of persons moving into the middle class each year in the emerging markets will seek the consumer life of the west – and that means the manufacture of millions of homes, television sets etc. that take enormous quantities of basic materials.

D ) Buy and Hold

Stocks for the Long Run, Jeremy Siegel

Data and history combined to strengthen the view that in the long term stocks are the superior asset class. The three keys – observation, research and analysis make this book far from a dry thesis -despite the impressive academic credentials of Prof. Siegel.

Ket Thesis – the long term analysis dictates a 70 % holding in equities for all portfolios having a 30 year time horizon. He also sets out valuation ratios to project future returns.

E ) Mutual funds

What Works on Wall Street by James O’Shaugnnessy A review of a great number of strategies to give you data and fact based conclusions as to their usefulness. The past does not guarantee the future will repeat the successful patterns – but I can assure you that if you refuse to learn what worked you are handicapped today.

Key Findings:

1) Short term results are useless

2) High price / earnings ratios are dangerous

3) Large caps are less volatile

4) Relative price strength is important ” winners Continue To Win “

F) Hedge Funds

Hedge Hogging, Barton Biggs

Not only offers insight from the dean of hedge fund managers but done in a stylistic and

entertaining fashion. Biggs was ranked one of the top strategists from 1996 – 2003.Most interesting to me are the insights into the behavior and thinking of clients and their advisors. Even if you and I never ” run money ” for the moneyed classes the lessons are applicable to our personal accounts.

G) Your Buffett Library

These books are the latest in a small library of material on the ” World’s Greatest Investor “

The Snowball – Warren Buffett and The Business of Life

By Alice Schroeder

The candid and open access the author had to Buffett is the reason the book is so informative. Equally interesting is Buffett’s transition form Graham’s disciple to using Graham’s analysis but allowing for growth as a reason to pay more than Graham’s ” margin of safety ” would allow.

Another book I like is one by his former daughter -in-law the sets out his investment ideas in a brief and easy to read fashion:

The New Buffettology by Mary Buffett and David Clark

focus on the Buffet Portfolio Stocks and what we can learn from each selection:

Key findings:

1) Seek a durable competitive advantage

( a unique product or service and one that consumers will buy consistently )

2) Historical Date – this keeps Buffett out of new technologies

3) The market cycle ( and herd mentality at tops and bottoms ) offer great rewards for the patient investor

4) A consistent high rate of return on equity and capital signal long term profits and capital appreciation.

And a similar review of his investment strategies is detailed in The Warren Buffett Way by Robert Hagstrom

H ) To develop your own portfolio

Building Your Apprentice Millionaire Portfolio

By Jack A.. Bass

My personal favorite –

The watch list system has 12 sectors and a good number of recommendations / top picks in each sector.

It is not reasonable or advisable to buy all the selections – but the AMP system is to have a good number of recommendations that are on your radar screen for a time that the economy and sector dictate a particular sector and basket of stocks in that sector will do well.

For example:

In the chapter on Uranium / Nuclear Industry only Cameco has a current buy recommendation and that is on the basis of a view that the nuclear renaissance is still years away. A review of the current nuclear industry is set out and the thesis for sector investment given.

The chapter then discusses a series of junior producers and developers to be ” watched ” and purchased as the commodity price and industry revive.

It is designed for the investor with knowledge of the stock market and who wants a more structured approach to developing a portfolio. Available direct from The Apprentice Millionaire Program web site.

Knowledge Won’t Happen by Accident – Set Your Goals In Writing

Set a goal of reading a new book a month. In an age where people actually brag they don’t read you can acquire enough knowledge to be an expert in the space of a single year. Follow a schedule of reading for your own profit – in a time where people spend more time planning their Christmas card list then their portfolios.

I am also an advocate of daily reading of the financial press – but not for investment advice. The daily press will give you information about the economy. I believe the direction of the economy gives you a direction of the sectors that will prosper and the companies that will thrive in that environment. With the knowledge you acquire you can read the daily press, financial magazines and books to develop a list of companies for your own due diligence and the components of your own successful portfolio.

Refinancing Your Mortgage – Is It The Right Choice For You?

Refinancing Your Mortgage – Is It The Right Choice For You?

Mortgage refinancing is an option for many homebuyers who are paying interest rates 2-3% or higher than what they can find today, or who need additional cash. Were you a first time homebuyer or you had poor credit the last time you obtained a loan? Now you are on your feet and make a salary that could help you receive the best interest rates. Possibly you are looking to refinance your mortgage so you can free some funds for a new car or for educational purposes. There are many options available when you refinance.

Before you decide if refinancing is right for you, look at your current
financial situation. Do you have an adjustable rate loan or a fixed rate loan? How long do you plan to be in your home after you obtain
your new mortgage? What is your ultimate goal? Most people want to refinance so they can access more money now.
Refinancing is a great solution, but is
a refinance of your loan the right solution for you?

The first step is making contact with you lender, and be aware how much your monthly payment
is now. It is also helpful to find out how much you have paid of your mortgage towards principal. Since you will refinance the amount left on the mortgage principal, and not refinance the original mortgage amount, it is really important to know how much
principal is left. If you plan to stay in your home for a length of time and
still have a sizeable principal left on your loan, then a mortgage refinance may
be a good option for you if interest rates are lower than when you obtained your
last loan.

Just as with most conventional loans, refinancing offers similar options of adjustable and fixed rate mortgages and anywhere from 10-40 year loans. Be sure to
review with your mortgage lender the reasons you are interested in refinancing; do you need to refinance to obtain cash for home improvements or for a
new car purchase? These are important factors to make your lender aware of as you are deciding how to refinance your mortgage.

Another factor that determines whether borrowers refinance is interest rates. Current mortgage interest rates can rise and this often scares refinance borrowers who have ARMs because they are afraid the adjustable rates will rise after they refinance. It is difficult to assess what will happen to the adjustable refinance mortgage interest rates over the next few years. If you refinance into a fixed rate mortgage during a high interest rate period, then when interest rates go back down, you are stuck with a high fixed rate mortgage and another decision about whether or not to refinance again. Of course the only sure-fire way of knowing if you should apply for a
refinancing is to assess your reasons for the refinance and how it will affect you in the future.

How Local Churches Can Use a Merchant Account for a Financial Boost

Why The Stock Markets Keep Going Up While The Economy Is So Bad

One of my friends recently confessed to feeling badly about not having cash to put into the church collection plate on Sunday mornings. She states, “I never carry cash anymore… I pay all my bills online. I don’t even write checks… and I forget or am too busy with the kids to get cash before the Sunday service… “

As electronic services continue to change the financial landscape, fewer people carry actual money. More churches are realizing that in order to stay alive they must modernize and promote technologies that facilitate giving. A well set up merchant account is a great tool that churches can use to encourage giving.

Having a merchant account allows churches to accept credit or debit card payments from church members. Donating or tithing by credit or debit card is simple for congregation members – and research shows that having the ability to accept payment cards can significantly increase the volume of financial gifts to faith communities, many of whom struggle to make ends meet.

There are a several benefits to setting up a merchant account for your church. With a merchant account your church can:

• Accept donations over the Internet on your church’s website
• Accept debit and credit cards by having a debit machine on site
• Process cards with a wireless terminal or mobile device-great for bazaars/fundraisers

Another great benefit of having a merchant account is that it allows your church to accept “recurring” payments. Congregation members can set up automatic monthly donation plans on their cards each year, month or week, as they see fit.

Other pros to investing in a direct merchant account for your church include:

• Lower transaction fees as a non-profit organization. A good rep may be able to access reduced or waived service fees for your church.

• Your Church’s Name on the Credit Card Statements – If your church has a real or direct merchant account the church’s name will be on the donor’s statement and on all receipts. This facilitates tax receipts. If you donate online to a charity through a ‘third party processing’ service, quite often it is the processor’s name that will appear on your receipt.

• Control – With a direct merchant account, you control the direction and deposit of funds to church accounts. There is no middleman and no one else controlling the timing and flow of your deposits.

• Convenience – Donated funds and gifts through a merchant account are deposited to your bank with a push of a button.

Depending on your congregation and the general group feeling around the idea of mixing payment cards in a spiritual setting, there are certain issues of concern that may arise.

For example, one church in Vancouver felt uncomfortable with the idea of encouraging debt through the use of credit cards and opted to go with a debit machine programmed to only accept debit cards. The machine is placed on a stand inside the church in a cozy private vestibule. There is always a steady stream of folks who use the machine before or after the service to give collection.

Other churches encourage credit card use to facilitate giving to various ministries and even promote their payment card service in Church bulletins and newsletters. Several churches in Ontario report the rates and monthly fees for the service to their parishioners by way of announcements.

With so many options and variations in merchant accounts for churches it may be confusing as to which approach may be the best for your congregation. My typical advice would be to take into consideration your church’s needs plus the size and sophistication of the congregation and staff.

A large church with a strong finance department, a large amount of financially supportive parishioners, and with good outreach into the community may do well with a full service merchant account. A smaller church may find it easier and more cost effective to simply set up for a ‘debit only’ machine easily accessible to parishioners.

Costs and Fees

If your church’s merchant account is set up properly as a non-profit organization, your monthly service fees can be as little as $15 or $20 dollars per month to as much as $40 or $50 depending on the processing company or bank you choose. Your rates should generally be quite low and should be more reflective of the ‘interchange cost plus’ pricing model which means that your rate would only be a fraction higher than the rate that the credit card company charged to the bank initially. Definitely stay away from ‘tiered’ rate pricing if you can. For example, if the provider offers you a rate of 1.70% “plus” that is indicative of tiered pricing.

Equipment such as terminals, mobile card readers etc can be purchased, leased or rented. Equipment easing is usually the favored approach. An outright equipment purchase is the most cost effective solution for churches with sufficient funds.

The process to set a merchant account is really quite simple. There are several payment processors who provide this service for churches. Once you have made your choice as to the ‘best fit’ for your parish, just complete the application and establish the merchant account. After that the rest is easy. If you are setting up for online donations, you will be easily able to add a secure payment link with a nice looking graphic to your webpage.

If you are going with a terminal or other physical equipment, once the merchant account is established, the hardware is programmed for you and shipped to your church. In almost all situations the equipment is set up to be ‘plug and play’.

Regardless of which solution you choose, each provider company has a customer service department featuring agents who are available to help guide you over the phone.