In the run up to, and during the Liverpool City Capital of Culture 2008 award, huge amounts of business inward investment poured in to consulting services business and in particular business services Liverpool.
Much of this investment came from European government funding, but huge tranches of investment were offered by private investors and equity firms.
Surprisingly although most of the finance was earmarked for Merseyside, regional areas like Wirral and Manchester Liverpool benefitted. It was a great time to be strategically located as either a business consultant Wirral Liverpool or a business consultant Liverpool England.
Business consultant Wirral Liverpool England discloses some top consultant secrets utilised in power driving many Manchester Liverpool businesses into high growth status.
In the run up to the European Capital of Culture business services Liverpool formed a Wirral partnership for consulting services business to reap the business opportunities offered by inward investment. Learn the business consultant Liverpool England top consultant secrets.
One of the best kept top consultant secrets was the availability of business funding for business services Liverpool and consulting services business especially for business training and business development.
Registered Merseyside businesses including a Wirral partnership of consulting services business could receive up to 50% to 60% grant funding to help grow businesses.
All you had to do was register as a professional business consultant Wirral Liverpool or a business consultant Liverpool England and any businesses you were providing business training and business development strategies for would benefit from only having to pay half the consulting services business fees.
There were some obvious resrcitions but the system was developed to help businesses grow and prosper.
Although in the business world Manchester Liverpool are geographically close neighbours, a lot of resentment set in because a business consultant Wirral Liverpool or a business consultant Liverpool England could provide a business quote for the same job as a Manchester business consultant, but the business consultant Wirral Liverpool would offer the added value of the client only having to pay for half the services.
This, one of the top consultant secrets, did create animosity and resentment from not just Manchester consultants, but from any business consultants located throughout the UK who were tendering for work in the Liverpool region.
The Wirral peninsula is located approximately a mile and a half across the River Mersey, and therefore any consultant offering consulting services business were considered eligible for grant aid by virtue of a loose form of Wirral partnership.
Providing the consultant was registered with a Merseyside postal address and provided business training and business development skills to help business thrive, and they passed the due diligence tests implemented by the awarding agencies, then they were effectively tendering for consulting services business at half the going rate.
For Merseyside registered businesses seeking growth and expansion, business services Liverpool offered a very attractive life line. Many businesses capitalised on consulting services business that they would typically have been unable to afford.
One of the best kept top consultant secrets was that Liverpool businesses who did capitalise on these business services Liverpool, flourished and many were able to ride out the incoming storm of the 2009 economic downturn.
The awarding of financial investment and grants for business training and business development was not restricted to consulting services business. Ordinary businesses registered in Merseyside could also apply for grant funding to help grow their business.
Almost by default many businesses used the 50 to 60% funding as a business crutch. It made them hyper competitive when tendering for work, however this in itself forced many business failures post capital of culture year as many of these businesses failed to regain their place in the market when having to increase their fees by 50%.
As with all good times there was a downside. The aftermath of Liverpool 2008 Capital of Culture European City brought every registered business consultant wirral Liverpool or business consultant Liverpool England a terrible reality check.
Many of the businesses who had utilised the grant system for years could not compete in the business marketplace when having to charge full fees.
Many found it impossible to compete with other likeminded businesses who had not used the grant system as a business crutch. Everyone knows it is much easier to re-sell to an existing customer than it is to a new customer.
However when the Manchester Liverpool businesses offering grant aid tried to up-sell to their existing customers at the full market going rate, many customers deserted them because they no longer offered the financial grant aid.
Few Manchester Liverpool businesses can argue that business grant aid helped to regenerate the city of Liverpool, but I believe more thought should have gone into developing long term sustainability for business services Liverpool, and the informal Wirral partnership.
One of the top consultant secrets, is that post capital of culture year, the business consultant wirral Liverpool and business consultant Liverpool England is thriving.
There is no shortage of Manchester Liverpool businesses seeking exponential growth through consulting services business. Most consultancy companies connected to business services Liverpool or the Wirral partnership are delivering increased amounts of business training to aid overall business development.
Another of the top consultant secrets is that the concept of the Business consultant Wirral Liverpool England is being rolled out nationally and then internationally. Businesses will be able to access consulting services business from outside Manchester Liverpool.
The International Business Guru & Growth Consultant grows businesses fast delivering exponential growth, increased turnover & profit margins. He delivers business support to small, medium & large businesses in 42 countries. To claim his FREE business case files e-mail him at drmarkdyates@aol.com
When you have legacy in-house created by mental act ecommerce web application in production with stagging cart, credit card payment interface, B2B or B2C items catalogs and promotional ascertaining which does the job believable that you will favor the idea to impart it there and try out the way of ecommerce integration connectors to your Microsoft Dynamics GP Corporate ERP application. Another option would be to try belonging ecommerce module (on hand from single Dynamics GP ecommerce ISV partners, you can form your research or stop Microsoft Business Solutions). Respecting your approach to program ecommerce integration, we would like to wage this pocket-size publication, where we are liking several options and ecommerce creating by mental act instruments:
1. Batch Mode ecommerce to Dynamics GP Great Plains Integration approach. Here we put on that you have rational bass volume of daily ecommerce invoices or sales orders (in B2B ecommerce you may work on Sales Order execution level and then posting nailed order to Sales invoice). Batch mode assumes that you export your daily ecommerce documents into text files and then occur integration manually. For Batch mode integration we praise you to deploy Dynamics GP Integration Manager. If your source files for integration are text files exports from ecommerce web application, then IM is end user well-disposed and you may will to do self discovery or predict our office for short-term Integration Manager introduction in eCommerce integration design. With IM, however, you can determine more polished approach, where you retract data directly from SQL Server (MySQL/PHP, Oracle, MS Access) ecommerce database. IM has Advanced ODBC Data Source, where you can deploy much nosed SQL techniques as Union
2. Real Time eCommerce integration to Dynamics GP. Real time means instantly, so IM is not an option, you can deploy, however Dynamics GP eConnect SDK. eConnect allows you to comprehend libraries into your Microsoft Visual Studio C#, VB.Net project, and then lift eConnect methods directly from your ecommerce web application. eConnect in our opinion uprised to its maturity with Dynamics GP version 9.0 and especially underway version 10.0 (January 2010). We accept that parvenu version of Microsoft Dynamics GP 11.0 will be calculating on eConnect technology as well or even with greater emphasis. EConnect is Microsoft Visual Studio programmer hail-fellow and if you are much a developer, we advocate you to install your time in eConnect research and self discovery. eConnect, however doesn’t allow for you to post Dynamics GP batches directly from its methods, if you demand batch posting from ecommerce application, talk over Alba Spectrum Posting Server. And we would like to initiate this comment for itty-bitty and mid-size ecommerce retailers historical time ecommerce integration is often not governed and is in essence luxury for the majority of ecommerce community. Only mammoth volume ecommerce chains need real time integration, so if eConnect training approach seems too phantasmagoric to you, endear hold tracing the next paragraph
3. Quasi Real Time eCommerce integration to Microsoft Dynamics GP. Quasi means almost, and we rime with you, when you articulate that unweathered customer account setup confirmation with login instructions should be emailed in a second. You may also take that altering customer credit card should be instant (technically you are just booking your amount via credit card processing service, concrete transfer to your account will recur later). However, there is no require to change state ecommerce transaction to your Dynamics GP application immediately, you can do it every hour or every twenty minutes without open delay for the new or endangering ecommerce customer. If Quasi real time approach seems to be commonsensible for you, enchant review the methods to schedule Dynamics GP Integration Manager to hightail it automatically every half a hour or more (or less) frequently
4. eCommerce Integration Strategies. Here we urge you to conjecture on which system is master and which is slave. You may get to be all your refreshing items, price lists, customers directly in Dynamics GP (master) and then channelise them to your ecommerce application or do it just the other, where your ecommerce is master and Great Plains Dynamics is slave. There are pluses and minuses obviously GP has developed user interface, where you can beget or inform your cards and transactions, that are subject to be thrust down to your ecommerce slave application. But, in some scenarios, you would favor custom objects with gone on interface in ecommerce to be pushed back to Dynamics GP
5. eCommerce and Dynamics GP, Great Plains Dynamics versions. As broad talk over, we repute that being on actual version of your Corporate ERP application is a way better, collating to being on really outdated version. If you are playing Microsoft Dynamics GP 11.0, 10.0, 9.0 (where you can deploy eConnect SDK for ecommerce creating mentally), or no longer submitted versions of Dynamics GP 8.0 and 7.5, or Microsoft Great Plains 7.0, Great Plains Dynamics 6.0, 5.5, 5.0, 4.0, 3.2 or earlier (including versions on Pervasive SQL Server 2000/Btrieve or Ctree) we praise you to modify to GP 11 (10) and deploy eConnect or IM on currently supported version. We also respect the situation, when MBS annual enhancement reenrollment cost might be too overlooking and you have to stick to your legacy Great Plains version. In our opinion, if you are on legacy version, investment to ecommerce should be very retiring. For legacy GP versions we recommend you to muse Alba Spectrum Order Connector
6. eCommerce to Dynamics GP in International Environment. We are overriding in USA, but if you are multinational corporation with facilities sea or in South America, care note that internationalist business rules expect compliance to localized country tax code and additive regulations. Microsoft Dynamics GP is acquirable (often dedicated term localised) in English butterflying countries (USA, Canada, Australia, New Zealand, UK, Ireland, South Africa, Oceania), plus in French butterflying Quebec Canadian province. If you plan to deploy ecommerce link to your international facility in much countries as Russia, Poland, Kazakhstan, Brazil, China, India, Continental Europe we suggest you to output integration to localized Accounting Application (SAP Business One would be healthy candidate to study)
7. Please, rent us a dub 1-866-528-0577 expedite@albaspectrum.com
Andrew Karasev, Alba Spectrum, 1-866-528-0577, help@albaspectrum.com http://www.albaspectrum.com We qualify Microsoft Dynamics GP Great Plains community since 1994 in US and Internationally. Local service is for sale in Chicago, Los Angeles, San Diego, Houston. Remote support USA and Canada comprehensive and internationally. We sound English, Spanish, Portuguese, Russian, Chinese. Please, visit our info portal http://www.pegasplanet.com We have customers in the checking into states and provinces: IL, CA, Ontario, FL, TX, MI, MO, NY, UT, NV, AZ, LA, GA, Quebec, Russia, Costa Rica, Puerto Rico, Brazil, Oceania, Germany, China. We also serve SAP Business One as worthy alternative for Corporate ERP for multinational corporation foreign subsidiaries
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Interest in Socially Responsible Investing Increases
Many investors have strong opinions that don’t involve their views on interest rates and stock prices. This might include support for a clean environment or concern for the poor and the disadvantaged – just to mention a few well-known causes.
Increasingly, these investors want their holdings to reflect their social, ethical or religious values. They wish to avoid companies that profit from activities they oppose, and support companies that behave in ways they consider appropriate or responsible. At the same time, however, most investors still want or need to earn a reasonable return on their portfolios.
Socially responsible investing (“SRI”) seeks to reconcile these two objectives by helping investors create diversified portfolios designed to deliver an acceptable level of performance, while at the same time excluding companies that don’t meet the their ethical standards. SRI investing recognizes that corporate responsibility and societal concerns are an important part of many investment decisions—particularly with the world’s increased focus on sustainability and climate change, among others.
SRI investors encourage corporations to improve their practices on environmental, social, and governance issues. You may also hear SRI-like approaches to investing referred to as mission investing, responsible investing, double or triple bottom line investing, ethical investing, sustainable investing, or green investing.
Increasing Interest Over the last several decades many investors have shown an increased appetite for social investors. The Social Investment Forum, a nonprofit group that promotes socially responsible investing, calculates the total number of assets under professional SRI management rose from $629 billion in 1995 to $2.71 trillion in 2007. In fact, the Forum estimates that one out of every nine dollars under professional management in the US today—or 11% of the $25.1 trillion in total assets under management tracked in Nelson Information’s Directory of Investment Managers—is involved in socially responsible investing.
Why has socially responsible investing gained in popularity? One of the reasons may be that investors posed themselves a question similar to this one: while my number one investment goal will always be to create a properly diversified portfolio based on my personal risk tolerance levels, how can I also do a bit of good for the environment, for the world or to improve the condition of mankind?
A second reason for SRI’s popularity is that some of the nation’s most prominent institutional investors have increasingly added a social focus to their investment decisions. These institutions, many with significant assets and often with great public, political and media clout, often carry both a big stick and use a loud voice. Some have become well-known advocates for social issues and this is often carried out through their investments in socially-responsible projects. An example is found in the California Public Employees’ Retirement System (CalPERS), one of the world’s largest public pension funds. CalPers recently announced support for the United Nation’s Principles for Responsible Investment, a menu of possible global actions on environmental, social and corporate issues.
A third reason for increased interest in SRI is the simple fact that it’s now much easier to access professionally managed SRI vehicles. Many investment firms have created specific investment processes that exclude companies that, in the investor’s view, focus on non-socially responsible or acceptable activities. Once these decisions have been made, the manager constructs a diversified portfolio within the desired constraints. The goal is to deliver performance consistent with the investor’s return objectives and tolerance for risk.
Structuring investments consistent with social, environmental or ethical objectives offer investors a way to align their portfolios to their own objectives. Please call today, for more information on incorporating a socially responsive component into your investment program.
Graeme H. Patey is a Financial Advisor located in Cleveland, Ohio and may be reached at 216-523-3015 or www.fa.smithbarney.com/graemepatey.
Smith Barney does not provide tax or legal advice, and it is important to consult with a tax or legal advisor before investing.
INVESTMENT PRODUCTS: NOT FDIC INSURED • NOT GUARANTEED • MAY LOSE VALUE
Graeme H. Patey specializes in developing customized financial strategies. He employs a consultative approach on the financial and investment needs of high net-worth individuals and financial services to businesses.
Mark Twain’s oft heard adage – ‘buy land, they’re not making it anymore’ has been indirectly taken to heart by investors in the UK scouring the markets for the best investment. That is to say that in relation to the boom in the buy-to-let property market it is not the bricks and mortar which rises in value, but the underlying on which the development sits. Indeed, the value of bricks and mortar deteriorates over time, so in some senses a UK property market investment is actually a more than anything else.
In this article we will look not at the relative merits of a land investment vis-à-vis a property market investment but at whether the two (ie direct land investment versus indirect land investment) complement each other in an investment portfolio. The former subject is too extensive to discuss here and, at any rate, since many people already have property market assets the pertinent question for them is this: ‘does investment land complement property market holdings or is each investment opportunity best pursued in isolation?’.
Of course much depends on what type of investment land is being considered. For instance, self-build land investment is a natural bed-fellow of buy-to-let property market investment since it is common for investors to develop small plots of UK land and then retain ownership in order to earn rent from the resulting property. However, if your idea of the best investment is not one which involves buying land with planning permission or buying land without planning permission and then developing it out, there are land investment alternatives.
One such is buying land on a professional property and development project. This is sometimes known as Site Assembly land investment and often appeals to the investor for whom self-build land investment is not suitable. The growing market for investment land is being in large part serviced by Site Assembly investment land because, relatively speaking, the number of people investing in land is growing but only a small proportion have the necessary skills and/or appetite for self-build land investment.
With this in mind, we can refine the original question thus: ‘does Site Assembly land investment complement buy-to-let property market investment or is each investment opportunity best pursued in isolation?’ (since Site Assembly land investment is becoming more common).
The key considerations in land investment, and in fact any investment, are threefold:
-Risk (what is the chance of gaining/losing)
-Term (how long is the investment for?)
-Liquidity (how easy is it to exit the investment?)
These criteria will help elucidate whether buy-to-let property market investments and investment land on a Site Assembly project are complementary. In investment terms (ie land investment and otherwise), ‘complementary assets’ are those that provide diversity, so the Risk, Term and Liquidity should be different in each case.
Let’s see:
Buy-to-let property market investment
-Risk: Low
-Term: Long
-Liquidity: High
Site Assembly land investment
-Risk: Medium
-Term: Medium
-Liquidity Low
Although these are generalisations, the above broadly reflect the true nature of buy-to-let property market investment and Site Assembly land investment. Naturally, some buy-to-let property market investments can be medium term just as some Site Assembly land investment projects offer moderate or even high liquidity but generally speaking the information above holds true.
It is therefore reasonable to conclude, working from the premise that complementary investment assets display different profiles (Risk, Term and Liquidity), that Site Assembly land investment and buy-to-let property market investment do complement one another in a portfolio.
This article has not attempted to assess the extent to which investment land is superior to property market investments (or vice-versa). What it has attempted is to consider the growing popularity of (especially on an existing development projects) and whether such a venture is compatible with a buy-to-let property market investment portfolio.
Rational analysis, as set-out above, suggests that Site Assembly land investment and buy-to-let property market investment are complementary.
Dietrich Elliot is a Land Investment expert who generously shares his expertise with novice UK Land investors. For more information about the opportunities and pitfalls in UK Land investment please visit
This is a good exercise in building wealth in the unstable world of stock investing. It’s throwing in the towel, and you don’t want to get involved with stock investing with companies that have that attitude. Online stock investing can be a great way for anyone to get involved in the market.
Contrary to the short term perspective of most investors today, all the big money is made by catching large market moves – not by day trading or short term stock investing. Fraudsters don’t think twice before developing stock investing, commodity or option trading courses to make a little extra money for themselves regardless of whether or not what they teach helps their students. If penny stock investing is a junior level course then day trading is a senior level course that most seniors will fail.
We are looking for titbits of information, what we call the scuttlebutt method of stock investing. Now stock investing can be a crap shoot at best. In 1998 he was shouting out to the world to ‘get out’ of the stock market but now he is shouting to everyone that it is time to ‘get in’. The Wallet Doctor is not only sought after for investment advice and coaching in stock investing but also in futures trading and real estate investing.
They don’t know anything about stock investing and they often lose a few thousand dollars very quickly. The second richest man in the world, Warren Buffett, has made his millions from stock investing. This way of stock investing or trading is called the Darvas strategy.
In our investment work when we get involved in stock investing, we do hands on stock research. What any ‘vexed’ shareholders are forgetting and he is not, is that Rule 1 in stock investing is, Don’t lose money. As mentioned earlier, stock investing is not only knowing the companies but also knowing the timing of investment.
Since I am an advocate of stock investing, let me make the case for stock investing. Penny stock investing can be profitable. Also, online stock investing has opened the door wide for overseas stock trading, giving you more investment opportunities than ever.
Well, one of the oddities of stock investing is that stocks do not necessarily behave according to the company’s condition. The new book, ‘Sensible Stock Investing’, describes in detail the relatively simple techniques that the individual investor can use to sidestep large losses such as not using margin, not selling short, and controlling losses with sensible sell-stops. Penny stock investing is a junior level course at least.
Combined, the return on your investment here is massive compared to regular stock investing. I want to emphasize that CAPM is based on the notion that the stock market efficiently translates all information known about the stock market into stock prices for stock investing purposes. What do I need do stock investing.
Even the stock investing pro needs tips now and again and is on a path of continuous daily learning. Beyond that, however, online stock investing does have a lot of perks that make it accessible to virtually anyone. So if you are new to investing in the stock market take some time and learn how to by taking a stock investing course.
Nowadays, stock investing can already be done by the man on the street. Everyone from retirees to school children, have managed to get involved in online stock investing for a whole host of reasons.
Uchenna Ani-Okoye is an internet marketing advisor and co founder of
For more information and resource links on investing online visit:
In order to invest wisely, you need to have a suitable investment plan that will ensure the appropriate amount of growth for you. Your investments will also need to be safe and easy to manage.
Developing an Investment Plan:
The first step in developing an investment plan is to identify what type of an investor you are. Investor types are often determined by their stages in life. Here is a guide:
- Single person under 40 years old. Focus: Long-term investments, medium to high risk. Emphasis: capital gain, compound growth.
- Two-income married couple, no children, aged 20 to 40 years. Focus: Long-term investments, medium to high risk. Emphasis: capital gain, compound growth.
- One-income family, young children, aged 20 to 40 years. Focus: Long-term investments, low to medium risk. Emphasis: compound growth.
- Single person, aged 40 to 60 years. Focus: Medium-term investments, medium risk. Emphasis: capital gain, compound growth.
- Married couple with adolescent or independent children, aged 40 to 60 years. Focus: Medium-term investments, medium risk. Emphasis: capital gain, compound growth.
- All investors, aged 60 and over. Focus: Short to medium-term investments, low risk. Emphasis: Income.
The following are examples of investment portfolio mixes for the various types of investors.
Low Risk Investments:
Low risk investments are predominately cash, fixed interest and superannuation. This has the lowest risk of all investments but has also the lowest return – in today’s market, approximately 3% to 6% per annum. Fixed interest includes cash, cash management trusts and bonds. They return approximately 5% to 10% per annum, sometimes as high as 15% if you invest in global bonds in good markets.
Superannuation returns and risk profiles vary from institution to institution, however the best and safest usually return on average 10% per annum.
Medium Risk Investments:
Medium risk investments include property and non-speculative shares. Diversified funds, which invest in a range of asset groups, are also considered to have medium risk profiles. Average returns from these types of investments will range from 8% to 15% per annum.
I also like to include the broad spectrum of mutual funds, to be discussed later, in the range of medium risk investments. Some can return up to 25% and more depending on the fund type and managers.
High Risk Investments:
High risk investments include all speculative shares, futures and any other type of investment that is purely speculative by nature. Because with these types of investments we are betting on whether the price will go up, or sometimes down, I often classify this as a form of gambling. Accordingly, the returns are unlimited but so is the ability to lose the total money invested.
The basic rule for investing in highly speculative stock is to build in ‘sell-out’ thresholds, three up and three down. For example, if you buy a stock at $20.00 per share, your sell-out thresholds might be:
Sell out threshold 3 $30.00
Sell out threshold 2 $25.00
Sell out threshold 1 $22.50
Buy $20.00
Sell out threshold 1 $17.50
Sell-out threshold 2 $15.00
Sell-out threshold 3 $10.00
Each time your stock reaches one of the threshold levels, you sell a third of your stock.
If the stock starts to rise, you sell a third at $22.50 and then another third at $25.00 and so forth. If the stock starts to fall, you also sell a third at $17.50, then another third at $15.00 and the final third at $10.00. In this way, you will never lose all your money, however you have also put a cap on the total profit you will make on the investment. This I have found to be the best and safest method for investing in speculative shares. In 1987, my husband and I were saved from the severe losses of the Wall Street crash because we were well and truly out of the market by taking our profits beforehand. Like all systems, this strategy will only work as long as you obey the rules and do not get too greedy.
Mutual Funds:
Mutual Funds are a selection of investments that are professionally managed by a financial institution or organization. These institutions have a wide range of specialists, researchers and advisor’s who devote their time to ensuring that the fund invests in the best companies and assets.
As well as the advantage of having experts manage your investments, managed funds also give you the ability to invest in a wide range of shares, property or fixed interest markets, either locally or internationally, for as small an outlay as $1,000. In the latter case, they also require a savings plan where you agree to deposit additional capital of a minimum $100.00 per month.
Because managed funds cover the whole spectrum of investment risk profiles, you can easily cover your preferred investment portfolio, as described above, by investing in several different funds.
Putting Together Your Investment Program:
After you have identified your investment type, you need to either seek a good financial advisor or devote your own time in researching investment options.
Shares have traditionally outperformed other asset groups over time. However, share markets can widely fluctuate in the short term, so any entry into the market should always be done with a long-term view of up to 10 years. Even the best managed share funds can fall if the stock market crashes or enters a severe downward cycle. As long as you ensure that you are with a reputable fund with good managers and are willing to ride the waves, your investment will do well in the long-term. If you are in the short-term, low risk category then your investments should be in the safer, more stable areas with lower returns.
Rules for Investing:
Investing may seem daunting for a lot of people. Maybe you have tried it once and failed, or maybe you are simply frightened of losing your money.
To avoid losing any capital, you simply need to be aware of the main pitfalls and always avoid them. The simple, reliable rules for investing are:
1. Have a plan. Always ensure that you or your financial advisor draws up an appropriate investment strategy for you that incorporates your risk profile, timeframes and financial goals. As foolish as it seems, many people plunge headfirst into investing without thoroughly working through these fundamental issues.
2. Don’t put all your eggs in one basket. Obvious advice, but many people fail to follow it. Many people think that they are on the right financial track by paying off the mortgage on their family home and then buying another property for investment purposes. Think about it! You have put all of your financial eggs in one asset basket – property. What happens if the property market collapses? Despite common thinking that this is a safe way to invest, the outcome is very risky. You have invested all of your well-earned money into only one area.
3. Build in appropriate timeframes. There is an old saying, “When the tea lady starts to invest in the stock market, it’s time to get out.” What this means is, when the share market is so high that everyone starts to clamber on board, it has probably reached its peak. There are two ways of successful investment timing. The first is to always pick the low-end of the market to buy and the high-end of the market to sell. This is extremely hard to do. Even the best-informed experts have trouble. The second way is to choose good investments and stay with them over the long-term (say 10 years or more) and ride the waves of the market. For safe, easy investing, choose the second method. Do not buy into the top-end of the market and sell once it starts to fall. You will definitely lose money this way.
4. Avoid high-risk investments. These include risky business ventures, highly speculative stock, tax avoidance schemes or too-good-to-be-true propositions that promise unusually high returns.
5. Avoid borrowing for your investments. Although some financial advisors advocate ‘gearing your investments’, this can be fraught with danger. Gearing means to borrow. If borrowing for investments takes you over your 40% fixed costs margin, you will be cutting it too fine, particularly if you lose your current income level.
6. Stay with the traditional and known. The best and surest investments are fixed interest, property and shares. Although all asset classes will fluctuate over time.
Work out the optimum mix for your investment profile, have a safe plan to work with and you can’t go wrong.
Ann Marosy is an accountant, consultant, and former university lecturer. She was formally a Financial Controller of a Fortune 500 Company, and Finalist of SA Executive Woman of the Year.
Ann is the author of the ‘The Money Program’ book series. Visit:
Ecommerce or electronic commerce is the process of conducting business activities like buying and selling through various electronic systems like the internet or other computer networks. Hundreds and thousands of people are dialy jumping onto the ecommerce bandwagon to start their online business. If you are also one of the many who want to be a part of this revolutionary idea of doing business then the first thing that you must do is to hire ecommerce development services.
Some Components of ecommerce
The most integral component of ecommerce is the development of your own website. You need to have an internet presence if you want to be a part of this process of doing business. Herein, many a ecommerce development company, India will come to your rescue, who have the proven expertise in not only developing an ecommerce website but also in various other components like Search Engine Optimization, special online carts, development of special transaction pages, search engine marketing, internet market, amongst a host of others.
Special Components
Ecommerce or open source Commerce is an online store-management software program and hence a very important component when it comes to ecommerce. The best part about this program is that is an open source software meaning that it is available free of charge under the aegis of the GNU General Public License. It has across the board browser compatibility and can cater to an infinite number of products and categories. These are just some of the advantage of this special component. The ecommerce development services of any company would profess expertise in this significant component.
An online store management software branched out from the open source software mentioned earlier and this is known as Zen Cart. This project differs from the other project on not only aesthetic lines, but also as a result of a few extra features like a Voucher/Gift Certificate module, sales download mangers, amongst other aspects. There are many more components that help in getting your ecommerce business on track and giving it a push in the right direction.
Choice of the Best Services
The choice when it comes to an ecommerce development company, India that has professional expertise in the field of ecommerce is seemingly endless. However, you must be sure to choose the one that can meet all your demands and requirements to the T. Therefore, it’s best that you undertake your selection with the utmost care, analysis and research.
Like any other business, the business of ecommerce also requires the requisite attention. You just cannot take it for granted and it is proper planning and management that would see your getting the best of results in this regard. So, understand ecommerce first up and only then embark on your journey.
People’s needs for investment are as varied as the investment vehicles themselves. Some want to own their home outright, pay the kids’ university fees, or take world trips; while others want to start their own business or retire on a comfortable income.
The reality for most of us is that we won’t be able to afford these things on our salary alone (unless you’re fortunate enough to be the CEO of a major corporation). The key to successful investment is to leverage, that is, to use an investment loan to improve your capacity and increase your return.
Why invest in property?
Investing in property is the safest way to invest, but we also believe in a diversified portfolio to minimise risk. Similarly, Australians have trusted investment property as their favoured investment vehicle for generations – and with good reason.
We recognise the cycles, the incredible advantage that appropriate leverage (making capital gains from borrowed funds) offers, the benefits of rent return and taxation relief in servicing those borrowings, and the significant growth achievable over time. It is not unusual for ordinary investors to accumulate four or more properties over 10 years – and the financial flexibility and cash flow outcomes can be exceptional, giving you piece of mind.
Property allows you to leverage. With only $20 000 cash invested (plus around $10 000 upfront costs) it is possible to invest in a $200,000 property, making your earning potential greater.
Can you afford to invest in property?
The question should really be, “can you afford NOT to invest”, whether it be in investment property or some other form of investment? While everyone should be investing to give them more options in life, property investment may not be suited to everyone. Most people on a standard wage can service an investment loan. After all, the investment loan interest is first met by any rental income you generate. As a general rule there will only be a small shortfall on the interest on your investment loan. Traditionally the investment loan shortfall, as well as other costs relating to your investment property would be met by your personal income. Many investors however include a capitalising line of credit in their investment loan package so that they can draw on this to meet any shortfall costs as opposed to paying same from their personal income. Instead, they use as much of their personal income as possible, not to pay any shortfall interest on the investment loan but to make additional repayments to their home loan. This way their home loan is paid off much more quickly.
With your investment loan you should also remember that negative gearing does deliver some relief to servicing your investment loan on the way through. While most investors will wait until the end of the financial year to claim their tax deductible shortfall you can in effect claim the investment loan shortfall on a monthly basis. Check out the ATO website on deductibility of interest on investment loans.
What history can tell you about property
History shows us that all property whether it be investment or owner occupied doubles in value every 7 to 12 years. Each property market is cyclic, that is, it goes through times of fast growth followed by little or no growth. When one market eg Sydney is in strong growth, other markets eg Brisbane will be in a little or no growth phase. The markets are referred to as being counter cyclic – when one is doing well, another is doing not so well.
This means for example that when the Sydney’s growth slows, Melbourne’s picks up followed by Brisbane. This is the reason we emphasise the importance of investment property as a mid to long term investment. The key however is to identify the markets with the highest probability of short to medium growth and lowest probability of downside risk. This enables you to build equity faster and therefore add to your investment property portfolio.
It also means that there are always new opportunities for investment property as there are always markets somewhere which are experiencing their growth phase. Choosing investment properties in growth markets assists in developing well-balanced, diversified portfolios.
Property in the future
In the past all property was good investment property, and a lot of people did very well out of it. While those days are gone, there are still exceptional opportunities for investors who understand the current market influences such how our population is changing, how family size is changing, how types of employment are changing, and how the economy is changing and what influences it.
So why wait? Research property – buy with your head not your heart – be an informed purchaser and most importantly make sure your investment loan is also working for you.
Addressing to the Indian Economic Summit’s session, on Tuesday, the 18th of Nov. 2008, the State Minister of Industry, Mr. Ashwini Kumar declared that Rs 500 billion would be invested by the Central Government with public-private partnership in infrastructure pertaining projects. According to him this investment would lure demand to boost economic growth. In the prevailing time when Indian economy is under threat of the entrance of world depression 2008, such type of a big dose of investment in infrastructure is desirable to barricade against the entering depression. But, the private partnership may hamper the way of receiving the desired results.
INDUCED INVESTMENT
When talking about investment, it is categorized as the induced investment and the autonomous investment. Induced investment is that investment which is induced by profit motive in a free enterprise capitalist economy. It produces commodities and thereby it can be termed as ‘directly productive investment’. Establishment of a productive unit which produces consumption or capital goods comes under the category of the directly productive investment. It changes with a change in (national) income that is why it is also called income elastic investment. Induced investment is incurred especially to produce larger output.
AUTONOMOUS INVESTMENT
On the other hand, the autonomous investment is the investment which is not induced by profit motive. It is not sensitive to changes in income. It is also known as public investment and is incurred in direct response to inventions and much of the long range investment which is only expected to pay for itself over a long period. Autonomous investment is generally associated with such factors as introduction of new production techniques, new products, development of new resources or growth of population. Autonomous investment generates favorable environment for production. An autonomous investment is never profit motivated and that is why it is always suggested to be undertaken by government instead of private investors. Autonomous investment does not directly produce goods. It creates external economies whereby the cost of production sustained by the producing firms is lowered. Thus, their profit is increased whereby the firms are induced to produce more. In this way the autonomous investment indirectly helps to increase production. Moreover, autonomous investment generates general utility services to the general public which they can’t afford to purchase.
DUAL INVESTMENT
Autonomous investment is autonomous only to the extent it is free of profit. If this investment is made by private investors they can’t help earning profit. Therefore, the producers will have to pay for the external economies and the general public will have either to go without the generated general utility services or will be exploited for they will have to pay high to avail the services. Thus, in a developing economy where cost of production is high, general mass is poor and markets are undeveloped the autonomous investment will lose its importance if given in private hands. In this way, autonomous investment is made of two different portions. One is that which can never be given in private hands irrespective of the fact whether the economy is developed or developing. Therefore, this portion of autonomous investment is a true autonomous investment. The investment incurred in the projects pertaining to national security, law and order maintenance, international relations, world peace, general governance, epidemics eradication, general health, poverty alleviation, public welfare etc. comes under this type of autonomous investment. The remaining portion of autonomous investment is that which can be (and is generally) given in private hands in a developed economy. In a developed economy sufficiently a high level of income is achieved, the distribution of income is almost equal, market is extended and developed, general poverty stands alleviated and cost of production is quite low on account of capital based modern technology. Hence, the producers can easily pay for external economies and people can pay for many of the general utility services. Therefore, in a developed economy, the portion of autonomous investment to be incurred in the projects like road transport, construction of highways, construction of bridges, power and electricity, civil aviation, sea transport, education etc. can be (and generally is) given in private hands. This portion of autonomous investment, being however similar to the previous one (above said true autonomous investment) in a developing economy, but thus becomes profit motivated and is converted into induced investment in a developed economy. In other words, this portion behaves as autonomous investment in a developing economy but is converted to and starts behaving as induced investment in a developed economy. Therefore, this portion of autonomous investment can be regarded as the convertible investment or the dual investment.
CONCLUSI ON
The above concludes that investment can be categorized as the autonomous investment, the dual investment and the induced investment. The autonomous investment should be exclusively incurred by the government in both the developed and the developing economies and, similarly, the induced investment should be incurred by private investors in both the economies. As regards to the dual investment, it should be incurred by government in a developing economy and by private investors in a developed economy. However, a partnership of government and private investors may be desirable in case of the dual investment if the economy has entered into the stage nearest to the full development. It is similar to the case of the partnership of government and private investors in induced investment in early stages of development in a developing economy. The Indian economy seems to have travelled though a long on the development path but it has not so far achieved such a high stage of development which may allow private hands to participate in the dual investment. General poverty still persists there, income distribution is highly unequal, technology is not fully capital based, cost of production is high, and much more. Therefore, the dual investment in Indian economy still needs to be incurred exclusively by the government. Therefore, the partnership of government and private investors in case of the declared investment worth Rs 500 billion, referred to in the beginning hereof, is not desirable. The loss to the producers and the poor general mass on account of so far brought about privatization of the past is not a latent fact. All the same, if the government somehow feels itself helpless to desist from accepting the partnership, it must not at all allow it beyond the dual investment. In more clear words, the Government of India must keep the (true) autonomous investment fully intact from the private partnership and may allow the partnership in the dual investment but only to a limited extent if the partnership can not be fully abandoned.