About Online Trading
Tuesday, May 27, 2008
The invention of the Internet has brought about many changes in the way that we conduct our lives and our personal business. We can pay our bills online, shop online, bank online, and even date online!
We can even buy and sell stocks online. Traders love having the ability to look at their accounts whenever they want to, and brokers like having the ability to take orders over the Internet, as opposed to the telephone.
Most brokers and brokerage houses now offer online trading to their clients. Another great thing about trading online is that fees and commissions are often lower. While online trading is great, there are some drawbacks.
If you are new to investing, having the ability to actually speak with a broker can be quite beneficial. If you aren’t stock market savvy, online trading may be a dangerous thing for you. If this is the case, make sure that you learn as much as you can about trading stocks before you start trading online.
You should also be aware that you don’t have a computer with Internet access attached to you. You won’t always have the ability to get online to make a trade. You need to be sure that you can call and speak with a broker if this is the case, using the online broker. This is true whether you are an advanced trader or a beginner.
It is also a good idea to go with an online brokerage company that has been around for a while. You won’t find one that has been in business for fifty years of course, but you can find a company that has been in business that long and now offers online trading.
Again, online trading is a beautiful thing – but it isn’t for everyone. Think carefully before you decide to do your trading online, and make sure that you really know what you are doing!
We can even buy and sell stocks online. Traders love having the ability to look at their accounts whenever they want to, and brokers like having the ability to take orders over the Internet, as opposed to the telephone.
Most brokers and brokerage houses now offer online trading to their clients. Another great thing about trading online is that fees and commissions are often lower. While online trading is great, there are some drawbacks.
If you are new to investing, having the ability to actually speak with a broker can be quite beneficial. If you aren’t stock market savvy, online trading may be a dangerous thing for you. If this is the case, make sure that you learn as much as you can about trading stocks before you start trading online.
You should also be aware that you don’t have a computer with Internet access attached to you. You won’t always have the ability to get online to make a trade. You need to be sure that you can call and speak with a broker if this is the case, using the online broker. This is true whether you are an advanced trader or a beginner.
It is also a good idea to go with an online brokerage company that has been around for a while. You won’t find one that has been in business for fifty years of course, but you can find a company that has been in business that long and now offers online trading.
Again, online trading is a beautiful thing – but it isn’t for everyone. Think carefully before you decide to do your trading online, and make sure that you really know what you are doing!
Choosing The Right Broker for You
Saturday, May 24, 2008
Depending on the type of investing that you plan to do, you may need to hire a broker to handle your investments for you. Brokers work for brokerage houses and have the ability to buy and sell stock on the stock exchange. You may wonder if you really need a broker. The answer is yes. If you intend to buy or sell stocks on the stock exchange, you must have a broker.
Stockbrokers are required to pass two different tests in order to obtain their license. These tests are very difficult, and most brokers have a background in business or finance, with a Bachelors or Masters Degree.
It is very important to understand the difference between a broker and a stock market analyst. An analyst literally analyzes the stock market, and predicts what it will or will not do, or how specific stocks will perform. A stock broker is only there to follow your instructions to either buy or sell stock… not to analyze stocks.
Brokers earn their money from commissions on sales in most cases. When you instruct your broker to buy or sell a stock, they earn a set percentage of the transaction. Many brokers charge a flat ‘per transaction’ fee.
There are two types of brokers: Full service brokers and discount brokers. Full service brokers can usually offer more types of investments, may provide you with investment advice, and is usually paid in commissions.
Discount brokers typically do not offer any advice and do no research – they just do as you ask them to do, without all of the bells and whistles.
So, the biggest decision you must make when it come to brokers is whether you want a full service broker or a discount broker.
If you are new to investing, you may need to go with a full service broker to ensure that you are making wise investments. They can offer you the skill that you lack at this point. However, if you are already knowledgeable about the stock market, all you really need is a discount broker to make your trades for you.
Stockbrokers are required to pass two different tests in order to obtain their license. These tests are very difficult, and most brokers have a background in business or finance, with a Bachelors or Masters Degree.
It is very important to understand the difference between a broker and a stock market analyst. An analyst literally analyzes the stock market, and predicts what it will or will not do, or how specific stocks will perform. A stock broker is only there to follow your instructions to either buy or sell stock… not to analyze stocks.
Brokers earn their money from commissions on sales in most cases. When you instruct your broker to buy or sell a stock, they earn a set percentage of the transaction. Many brokers charge a flat ‘per transaction’ fee.
There are two types of brokers: Full service brokers and discount brokers. Full service brokers can usually offer more types of investments, may provide you with investment advice, and is usually paid in commissions.
Discount brokers typically do not offer any advice and do no research – they just do as you ask them to do, without all of the bells and whistles.
So, the biggest decision you must make when it come to brokers is whether you want a full service broker or a discount broker.
If you are new to investing, you may need to go with a full service broker to ensure that you are making wise investments. They can offer you the skill that you lack at this point. However, if you are already knowledgeable about the stock market, all you really need is a discount broker to make your trades for you.
Determine Your Risk Tolerance
Wednesday, May 21, 2008
Each individual has a risk tolerance that should not be ignored. Any good stock broker or financial planner knows this, and they should make the effort to help you determine what your risk tolerance is. Then, they should work with you to find investments that do not exceed your risk tolerance.
Determining one’s risk tolerance involves several different things. First, you need to know how much money you have to invest, and what your investment and financial goals are.
For instance, if you plan to retire in ten years, and you’ve not saved a single penny towards that end, you need to have a high risk tolerance – because you will need to do some aggressive – risky – investing in order to reach your financial goal.
On the other side of the coin, if you are in your early twenties and you want to start investing for your retirement, your risk tolerance will be low. You can afford to watch your money grow slowly over time.
Realize of course, that your need for a high risk tolerance or your need for a low risk tolerance really has no bearing on how you feel about risk. Again, there is a lot in determining your tolerance.
For instance, if you invested in the stock market and you watched the movement of that stock daily and saw that it was dropping slightly, what would you do?
Would you sell out or would you let your money ride? If you have a low tolerance for risk, you would want to sell out… if you have a high tolerance, you would let your money ride and see what happens. This is not based on what your financial goals are. This tolerance is based on how you feel about your money!
Again, a good financial planner or stock broker should help you determine the level of risk that you are comfortable with, and help you choose your investments accordingly.
Your risk tolerance should be based on what your financial goals are and how you feel about the possibility of losing your money. It’s all tied in together.
Determining one’s risk tolerance involves several different things. First, you need to know how much money you have to invest, and what your investment and financial goals are.
For instance, if you plan to retire in ten years, and you’ve not saved a single penny towards that end, you need to have a high risk tolerance – because you will need to do some aggressive – risky – investing in order to reach your financial goal.
On the other side of the coin, if you are in your early twenties and you want to start investing for your retirement, your risk tolerance will be low. You can afford to watch your money grow slowly over time.
Realize of course, that your need for a high risk tolerance or your need for a low risk tolerance really has no bearing on how you feel about risk. Again, there is a lot in determining your tolerance.
For instance, if you invested in the stock market and you watched the movement of that stock daily and saw that it was dropping slightly, what would you do?
Would you sell out or would you let your money ride? If you have a low tolerance for risk, you would want to sell out… if you have a high tolerance, you would let your money ride and see what happens. This is not based on what your financial goals are. This tolerance is based on how you feel about your money!
Again, a good financial planner or stock broker should help you determine the level of risk that you are comfortable with, and help you choose your investments accordingly.
Your risk tolerance should be based on what your financial goals are and how you feel about the possibility of losing your money. It’s all tied in together.
Determining Where You Will Invest
Saturday, May 17, 2008
There are several different types of investments, and there are many factors in determining where you should invest your funds.
Of course, determining where you will invest begins with researching the various available types of investments, determining your risk tolerance, and determining your investment style – along with your financial goals.
If you were going to purchase a new car, you would do quite a bit of research before making a final decision and a purchase. You would never consider purchasing a car that you had not fully looked over and taken for a test drive. Investing works much the same way.
You will of course learn as much about the investment as possible, and you would want to see how past investors have done as well. It’s common sense!
Learning about the stock market and investments takes a lot of time… but it is time well spent. There are numerous books and websites on the topic, and you can even take college level courses on the topic – which is what stock brokers do. With access to the Internet, you can actually play the stock market – with fake money – to get a feel for how it works.
You can make pretend investments, and see how they do. Do a search with any search engine for ‘Stock Market Games’ or ‘Stock Market Simulations.’ This is a great way to start learning about investing in the stock market.
Other types of investments – outside of the stock market – do not have simulators. You must learn about those types of investments the hard way – by reading.
As a potential investor, you should read anything you can get your hands on about investing…but start with the beginning investment books and websites first. Otherwise, you will quickly find that you are lost.
Finally, speak with a financial planner. Tell them your goals, and ask them for their suggestions – this is what they do! A good financial planner can easily help you determine where to invest your funds, and help you set up a plan to reach all of your financial goals. Many will even teach you about investing along the way – make sure you pay attention to what they are telling you!
Support by DMOZ portal
Of course, determining where you will invest begins with researching the various available types of investments, determining your risk tolerance, and determining your investment style – along with your financial goals.
If you were going to purchase a new car, you would do quite a bit of research before making a final decision and a purchase. You would never consider purchasing a car that you had not fully looked over and taken for a test drive. Investing works much the same way.
You will of course learn as much about the investment as possible, and you would want to see how past investors have done as well. It’s common sense!
Learning about the stock market and investments takes a lot of time… but it is time well spent. There are numerous books and websites on the topic, and you can even take college level courses on the topic – which is what stock brokers do. With access to the Internet, you can actually play the stock market – with fake money – to get a feel for how it works.
You can make pretend investments, and see how they do. Do a search with any search engine for ‘Stock Market Games’ or ‘Stock Market Simulations.’ This is a great way to start learning about investing in the stock market.
Other types of investments – outside of the stock market – do not have simulators. You must learn about those types of investments the hard way – by reading.
As a potential investor, you should read anything you can get your hands on about investing…but start with the beginning investment books and websites first. Otherwise, you will quickly find that you are lost.
Finally, speak with a financial planner. Tell them your goals, and ask them for their suggestions – this is what they do! A good financial planner can easily help you determine where to invest your funds, and help you set up a plan to reach all of your financial goals. Many will even teach you about investing along the way – make sure you pay attention to what they are telling you!
Support by DMOZ portal
Different Types of Bonds
Wednesday, May 14, 2008
Investing in bonds is very safe, and the returns are usually very good. There are four basic types of bonds available and they are sold through the Government, through corporations, state and local governments, and foreign governments.
The greatest thing about bonds is that you will get your initial investment back. This makes bonds the perfect investment vehicle for those who are new to investing, or for those who have a low risk tolerance.
The United States Government sells Treasury Bonds through the Treasury Department. You can purchase Treasury Bonds with maturity dates ranging from three months to thirty years.
Treasury bonds include Treasury Notes (T-Notes), Treasury Bills (T-Bills), and Treasury Bonds. All Treasury bonds are backed by the United States Government, and tax is only charged on the interest that the bonds earn.
Corporate bonds are sold through public securities markets. A corporate bond is essentially a company selling its debt. Corporate bonds usually have high interest rates, but they are a bit risky. If the company goes belly-up, the bond is worthless.
State and local Governments also sell bonds. Unlike bonds issued by the federal government, these bonds usually have higher interest rates. This is because State and Local Governments can indeed go bankrupt – unlike the federal government.
State and Local Government bonds are free from income taxes – even on the interest. State and local taxes may also be waived. Tax-free Municipal Bonds are common State and Local Government Bonds.
Purchasing foreign bonds is actually very difficult, and is often done as part of a mutual fund. It is often very risky to invest in foreign countries. The safest type of bond to buy is one that is issued by the US Government.
The interest may be a bit lower, but again, there is little or no risk involved. For best results, when a bond reaches maturity, reinvest it into another bond.
The greatest thing about bonds is that you will get your initial investment back. This makes bonds the perfect investment vehicle for those who are new to investing, or for those who have a low risk tolerance.
The United States Government sells Treasury Bonds through the Treasury Department. You can purchase Treasury Bonds with maturity dates ranging from three months to thirty years.
Treasury bonds include Treasury Notes (T-Notes), Treasury Bills (T-Bills), and Treasury Bonds. All Treasury bonds are backed by the United States Government, and tax is only charged on the interest that the bonds earn.
Corporate bonds are sold through public securities markets. A corporate bond is essentially a company selling its debt. Corporate bonds usually have high interest rates, but they are a bit risky. If the company goes belly-up, the bond is worthless.
State and local Governments also sell bonds. Unlike bonds issued by the federal government, these bonds usually have higher interest rates. This is because State and Local Governments can indeed go bankrupt – unlike the federal government.
State and Local Government bonds are free from income taxes – even on the interest. State and local taxes may also be waived. Tax-free Municipal Bonds are common State and Local Government Bonds.
Purchasing foreign bonds is actually very difficult, and is often done as part of a mutual fund. It is often very risky to invest in foreign countries. The safest type of bond to buy is one that is issued by the US Government.
The interest may be a bit lower, but again, there is little or no risk involved. For best results, when a bond reaches maturity, reinvest it into another bond.
Different Types of Stock
Thursday, May 8, 2008
The different types of stock are what confuse most first time investors. That confusion causes people to turn away from the stock market altogether, or to make unwise investments. If you are going to play the stock market, you must know what types of stock are available and what it all means!
Common Stock is a term that you will hear quite often. Anyone can purchase common stock, regardless of age, income, age, or financial standing. Common stock is essentially part ownership in the business you are investing in. As the company grows and earns money, the value of your stock rises. On the other hand, if the company does poorly or goes bankrupt, the value of your stock falls. Common stock holders do not participate in the day to day operations of a business, but they do have the power to elect the board of directors.
Along with common stock, there are also different classes of stock. The different classes of stock in one company are often called Class A and Class B. The first class, class A, essentially gives the stock owner more votes per share of stock than the owners of class B stock. The ability to create different classes of stock in a corporation has existed since 1987. Many investors avoid stock that has more than one class, and stocks that have more than one class are not called common stock.
The most upscale type of stock is of course Preferred Stock. Preferred stock isn’t exactly a stock. It is a mix of a stock and a bond. The owner’s of preferred stock can lay claim to the assets of the company in the case of bankruptcy, and preferred stock holders get the proceeds of the profits from a company before the common stock owners. If you think that you may prefer this preferred stock, be aware that the company typically has the right to buy the stock back from the stock owner and stop paying dividends.
Common Stock is a term that you will hear quite often. Anyone can purchase common stock, regardless of age, income, age, or financial standing. Common stock is essentially part ownership in the business you are investing in. As the company grows and earns money, the value of your stock rises. On the other hand, if the company does poorly or goes bankrupt, the value of your stock falls. Common stock holders do not participate in the day to day operations of a business, but they do have the power to elect the board of directors.
Along with common stock, there are also different classes of stock. The different classes of stock in one company are often called Class A and Class B. The first class, class A, essentially gives the stock owner more votes per share of stock than the owners of class B stock. The ability to create different classes of stock in a corporation has existed since 1987. Many investors avoid stock that has more than one class, and stocks that have more than one class are not called common stock.
The most upscale type of stock is of course Preferred Stock. Preferred stock isn’t exactly a stock. It is a mix of a stock and a bond. The owner’s of preferred stock can lay claim to the assets of the company in the case of bankruptcy, and preferred stock holders get the proceeds of the profits from a company before the common stock owners. If you think that you may prefer this preferred stock, be aware that the company typically has the right to buy the stock back from the stock owner and stop paying dividends.
Why Should I Make a Budget?
Tuesday, May 6, 2008
You say you know where your money goes and you don’t need it all written down to keep up with it? I issue you this challenge. Keep track of every penny you spend for one month and I do mean every penny.
You will be shocked at what the itty-bitty expenses add up to. Take the total you spent on just one unnecessary item for the month, multiply it by 12 for months in a year and multiply the result by 5 to represent 5 years.
That is how much you could have saved AND drawn interest on in just five years. That, my friend, is the very reason all of us need a budget.
If we can get control of the small expenses that really don’t matter to the overall scheme of our lives, we can enjoy financial success.
The little things really do count. Cutting what you spend on lunch from five dollars a day to three dollars a day on every work day in a five day work week saves $10 a week… $40 a month… $480 a year… $2400 in five years….plus interest.
See what I mean… it really IS the little things and you still eat lunch everyday AND that was only one place to save money in your daily living without doing without one thing you really need. There are a lot of places to cut expenses if you look for them.
Set some specific long term and short term goals. There are no wrong answers here. If it’s important to you, then it’s important period.
If you want to be able to make a down payment on a house, start a college fund for your kids, buy a sports car, take a vacation to Aruba… anything… then that is your goal and your reason to get a handle on your financial situation now.
You will be shocked at what the itty-bitty expenses add up to. Take the total you spent on just one unnecessary item for the month, multiply it by 12 for months in a year and multiply the result by 5 to represent 5 years.
That is how much you could have saved AND drawn interest on in just five years. That, my friend, is the very reason all of us need a budget.
If we can get control of the small expenses that really don’t matter to the overall scheme of our lives, we can enjoy financial success.
The little things really do count. Cutting what you spend on lunch from five dollars a day to three dollars a day on every work day in a five day work week saves $10 a week… $40 a month… $480 a year… $2400 in five years….plus interest.
See what I mean… it really IS the little things and you still eat lunch everyday AND that was only one place to save money in your daily living without doing without one thing you really need. There are a lot of places to cut expenses if you look for them.
Set some specific long term and short term goals. There are no wrong answers here. If it’s important to you, then it’s important period.
If you want to be able to make a down payment on a house, start a college fund for your kids, buy a sports car, take a vacation to Aruba… anything… then that is your goal and your reason to get a handle on your financial situation now.
Getting Your Feet Wet – Begin Investing
Monday, May 5, 2008
If you are anxious to get your investments started, you can get started right away without having a lot of knowledge about the stock market. Start by being a conservative investor with a low risk tolerance. This will give you a way to making your money grow while you learn more about investing.
Start with an interest bearing savings account. You may already have one. If you don’t, you should. A savings account can be opened at the same bank that you do your checking at – or at any other bank. A savings account should pay 2 – 4% on the money that you have in the account.
It’s not a lot of money – unless you have a million dollars in that account – but it is a start, and it is money making money.
Next, invest in money market funds. This can often be done through your bank. These funds have higher interest payouts than typical savings accounts, but they work much the same way. These are short term investments, so your money won’t be tied up for a long period of time – but again, it is money making money.
Certificates of Deposit are also sound investments with no risk. The interest rates on CD’s are typically higher than those of savings accounts or Money Market Funds.
You can select the duration of your investment, and interest is paid regularly until the CD reaches maturity. CD’s can be purchased at your bank, and your bank will insure them against loss. When the CD reaches maturity, you receive your original investment, plus the interest that the CD has earned.
If you are just starting out, one or all of these three types of investments is the best starting point. Again, this will allow your money to start making money for you while you learn more about investing in other places.
Start with an interest bearing savings account. You may already have one. If you don’t, you should. A savings account can be opened at the same bank that you do your checking at – or at any other bank. A savings account should pay 2 – 4% on the money that you have in the account.
It’s not a lot of money – unless you have a million dollars in that account – but it is a start, and it is money making money.
Next, invest in money market funds. This can often be done through your bank. These funds have higher interest payouts than typical savings accounts, but they work much the same way. These are short term investments, so your money won’t be tied up for a long period of time – but again, it is money making money.
Certificates of Deposit are also sound investments with no risk. The interest rates on CD’s are typically higher than those of savings accounts or Money Market Funds.
You can select the duration of your investment, and interest is paid regularly until the CD reaches maturity. CD’s can be purchased at your bank, and your bank will insure them against loss. When the CD reaches maturity, you receive your original investment, plus the interest that the CD has earned.
If you are just starting out, one or all of these three types of investments is the best starting point. Again, this will allow your money to start making money for you while you learn more about investing in other places.
Gala Dinner Bali Events
Sunday, May 4, 2008
Take opportunity and information about EmMax marketing plan, join the gala dinner events at Bali
Date : Thursday, 8 May 2008
Time : 18.00 - Selesai
Place : Kertalangu Desa Budaya Jl. Bypass Ngurah Rai No. 88x Tohpati - Denpasar
See you there.
Date : Thursday, 8 May 2008
Time : 18.00 - Selesai
Place : Kertalangu Desa Budaya Jl. Bypass Ngurah Rai No. 88x Tohpati - Denpasar
See you there.
EmMax Products "Quality Products at Reach for Life Quality"
Alpha YZS is a regionally renowned company with good stronghold in geomancy, face reading, name philosophy, numerology, chinese astrology and many more related subject in the field.
Having proven experience and results in raising fortunes and creating more conducive living environments, the company stands tall with authority in the competitive market. Being led by Master Peng Zhong Hua, the company grew from strength to strength, expanding to many locations across asia and increasing in market penetration. Master Peng is consultant to countless established leaders of government organizations and Multi-National Corporations (MNCs). This marks his ability to understand our natural surroundings and to harness them to our advantage, in which ever sector of our lives.
Having many accolades and constantly on the media limelight, Alpha YZS boasts of a revenue figure that is more than sufficient for listing on the local board. Indeed, Alpha YZS stand true to its culture that life can get better, and with the right insight. Alpha YZS, the definitive Feng Shui consultant.
Lumimi, through the passage of time, beauty is not solely based on facial features but also the general composition of the female body. Having a good figure is not just an aesthetic effect, but is key to creating confidence, good health and lastly, a greater quality of life.
Lumimi has a wide variety of products to suit a myriad of body types, helping to sculpt the perfect figure as well as to maintain against the effects of time. From the 208, 420, to the 560 3D system, one is surely to find a suitable product in her chase for beauty. Lumimi - Live life in color.
Sante, has a wide range of products aimed at elevating our modern day lifestyle. Sante Health Foods, help in many aspect, from detoxifying our bodies, to providing essential vitamins and minerals. Sante Slim Foods, a series of products that help attain that desired figure. See a new you in just 6 days, and feel more energetic. Reverse the effects of time with Sante’s Anti-Aging products, from within, outward to our skin. Sante also has specialized products for men. From combating hair-loss, enhancing sex life, to creating better skin tone and health. Sante, a brand that truly understands health.
Since the beginning of Life, there exists a Healing Force in this world, amongst us, inside us.
Possessing the Impetus for Vitality, Immunity and Longevity,
Indispensable to Holistic Well-Being, supporting the very Basis of Life.
Puré Laboratories taps into this powerful force of nature to uncover the Essence of Life.
Our reputation in providing the safest and finest quality in the products and methods we offer is evident when you experience our Dermatology-tested, Hypo-Allergenic & Non-Comedogenic skincare products.
The uniqueness of our products lie in our emphasis on achieving, restoring and maintaining naturally balanced skin through the intimate understanding of diverse skin types with specific needs.
Having proven experience and results in raising fortunes and creating more conducive living environments, the company stands tall with authority in the competitive market. Being led by Master Peng Zhong Hua, the company grew from strength to strength, expanding to many locations across asia and increasing in market penetration. Master Peng is consultant to countless established leaders of government organizations and Multi-National Corporations (MNCs). This marks his ability to understand our natural surroundings and to harness them to our advantage, in which ever sector of our lives.
Having many accolades and constantly on the media limelight, Alpha YZS boasts of a revenue figure that is more than sufficient for listing on the local board. Indeed, Alpha YZS stand true to its culture that life can get better, and with the right insight. Alpha YZS, the definitive Feng Shui consultant.
Lumimi, through the passage of time, beauty is not solely based on facial features but also the general composition of the female body. Having a good figure is not just an aesthetic effect, but is key to creating confidence, good health and lastly, a greater quality of life.
Lumimi has a wide variety of products to suit a myriad of body types, helping to sculpt the perfect figure as well as to maintain against the effects of time. From the 208, 420, to the 560 3D system, one is surely to find a suitable product in her chase for beauty. Lumimi - Live life in color.
Sante, has a wide range of products aimed at elevating our modern day lifestyle. Sante Health Foods, help in many aspect, from detoxifying our bodies, to providing essential vitamins and minerals. Sante Slim Foods, a series of products that help attain that desired figure. See a new you in just 6 days, and feel more energetic. Reverse the effects of time with Sante’s Anti-Aging products, from within, outward to our skin. Sante also has specialized products for men. From combating hair-loss, enhancing sex life, to creating better skin tone and health. Sante, a brand that truly understands health.
Since the beginning of Life, there exists a Healing Force in this world, amongst us, inside us.
Possessing the Impetus for Vitality, Immunity and Longevity,
Indispensable to Holistic Well-Being, supporting the very Basis of Life.
Puré Laboratories taps into this powerful force of nature to uncover the Essence of Life.
Our reputation in providing the safest and finest quality in the products and methods we offer is evident when you experience our Dermatology-tested, Hypo-Allergenic & Non-Comedogenic skincare products.
The uniqueness of our products lie in our emphasis on achieving, restoring and maintaining naturally balanced skin through the intimate understanding of diverse skin types with specific needs.
EmMax Business "Sound Business for Longevity and Growth"
Incubator for Success
In today’s business environment, no man is an island, and at the same time, no business is an island. Forming strong business alliances and relationships with consumers, investors, suppliers, contractors, and other stakeholders is a necessary step to increase the possibilities of survival in today’s competitive landscape.
Having been involved in various businesses and industries ranging from distribution, health care, beauty care, finance, real estate, luxury, finance, and e-commerce, our management team has developed an unique perspective on how businesses can work together to create greater commercial value for all parties involved. The key to long-term continuity of any business is to constantly create increasing consumer value. With that as the cornerstone of our philosophy, the sensational business model that we developed has resulted in an amazing growth for all members.
Increasing Consumer Value
In its effort to continuously improve the value that is being translated to the end consumers, our product and services providers are obligated to give strong preferential rates to all our members in return for long-term business relationship with us and our members. These discounts in the prices of the products and services are then passed on to the individual consumers and business owners, thereby enhancing the overall value to our end consumers, and allowing them to purchase products and services at a more cost-effective rate.
Some of our products and services include:
Turnkey Business Systems
Through our years in business, we understand how difficult it is to compete in the global market. To ensure that our members are equipped with best odds to survive in this competitive landscape, emMax’s turnkey business system offers a savvy, user-friendly, and professional way for our members to continuously grow their businesses. As part of our turnkey system, we offer:
In emMax, our turn-key business system is a critical reason for the success of some the members in the company. This engaging, challenging, and invigorating business environment helps to create the glue which helps to hold the business together for all our members. Check out what some of our members have to say!
In today’s business environment, no man is an island, and at the same time, no business is an island. Forming strong business alliances and relationships with consumers, investors, suppliers, contractors, and other stakeholders is a necessary step to increase the possibilities of survival in today’s competitive landscape.
Having been involved in various businesses and industries ranging from distribution, health care, beauty care, finance, real estate, luxury, finance, and e-commerce, our management team has developed an unique perspective on how businesses can work together to create greater commercial value for all parties involved. The key to long-term continuity of any business is to constantly create increasing consumer value. With that as the cornerstone of our philosophy, the sensational business model that we developed has resulted in an amazing growth for all members.
Increasing Consumer Value
In its effort to continuously improve the value that is being translated to the end consumers, our product and services providers are obligated to give strong preferential rates to all our members in return for long-term business relationship with us and our members. These discounts in the prices of the products and services are then passed on to the individual consumers and business owners, thereby enhancing the overall value to our end consumers, and allowing them to purchase products and services at a more cost-effective rate.
Some of our products and services include:
Turnkey Business Systems
Through our years in business, we understand how difficult it is to compete in the global market. To ensure that our members are equipped with best odds to survive in this competitive landscape, emMax’s turnkey business system offers a savvy, user-friendly, and professional way for our members to continuously grow their businesses. As part of our turnkey system, we offer:
In emMax, our turn-key business system is a critical reason for the success of some the members in the company. This engaging, challenging, and invigorating business environment helps to create the glue which helps to hold the business together for all our members. Check out what some of our members have to say!
The EmMax Alliance "Working in Tandem and Build Synergy"
Strategic Tie-Ups
As part of its goals to help our members develop their businesses, our suppliers and service providers are first screened vigorously to ensure that the pricing plans and value of their services and products are able to generate sufficient consumer value to our consumers and members.
Variety makes for a greater world of opportunities. emMax recognizes this, and is constantly acquiring products that have great market potential. From a wide series of alliance brands and trading platforms, affiliates are spoilt for choice in product options. Affiliates can retail and create distribution channels based on their local market needs and trends. From property projects, to home consumables, affiliates are able to market these products via simple-to-use web-fronts, and duplicate this action to their networks. From this product platform, affiliates are sure to find the tools to build their success and accumulate their wealth.
As part of its goals to help our members develop their businesses, our suppliers and service providers are first screened vigorously to ensure that the pricing plans and value of their services and products are able to generate sufficient consumer value to our consumers and members.
- Distribution and Network Marketing
- Infocommunications
- Real Estate and Property Investments
- Finance and Insurance
- E-Commerce
- Media and Entertainment
- Travel
- Health, Beauty and Wellness
Variety makes for a greater world of opportunities. emMax recognizes this, and is constantly acquiring products that have great market potential. From a wide series of alliance brands and trading platforms, affiliates are spoilt for choice in product options. Affiliates can retail and create distribution channels based on their local market needs and trends. From property projects, to home consumables, affiliates are able to market these products via simple-to-use web-fronts, and duplicate this action to their networks. From this product platform, affiliates are sure to find the tools to build their success and accumulate their wealth.
EmMax Opportunity "Abound The Limitless and Across The Horizon"
Quick Access into a Rapidly Expanding Industry
Entry into the ever-growing networking industry has never been easier. emMax provides mainstream affiliate programs, for individuals and groups to quickly get up to speed in building their business and achieving their dreams. Here at emMax, we provide total infrastructure that covers the span of the trade. From compensation planning, Internet business platforms, leadership training, continual products range expansion, to international and regional conferences, we cover the groundwork, so you can focus time where it matters, on network building. Having different offices in different cities on the globe implies a business model that is global in nature. Affiliates can build from their local knowledge and grow from strength to strength with emMax. Doing cross-border or regional group expansion is an ease. Here, we provide the localization for maturing groups moving into new territories. Tapping on the same platform, at various points of the world, affiliates can be assured of consistency and fair practices.
Leadership Development & Training
In the world of network marketing, having strong leaders is a critical factor in market penetration and business sustainability. This is why here at emMax, we devote much attention in developing programs to raise the competitive edge of our leaders. From leadership development to training, our training institutes have proven experience in educating, motivating and conditioning individuals in pursuit of success. We recognize that not all individuals are created equal, and thus we have a comprehensive variety programs, from local training seminars and events to international conferences that aim to open mindsets to cutting edge trends and practices. And in the process, ensuring equal emphasis on practical experiences through hands-on scenarios and tasks. In continuance of the key trait of the industry, which is duplicity, we breed leaders that can cultivate talents of the future.
International Network
Every corporation aspires to go international and so does our affiliates. We deeply understand this notion as emMax has too, gone through this journey. From a local company, through regional expansion to finally being an international consortium. Having in-depth local knowledge in many countries around the world, we are able to transfer this wealth of experience to our affiliates. Building networks that span across boundaries is a breeze on the emMax platform. Across the globe, we have offices equipped with facilities in aid of our affiliates. These include, meeting lounges, conference and seminar halls, training rooms and board rooms. In addition, emMax regularly holds international seminars and workshops for our affiliates, bringing together the best in the trade as they share their experiences and success stories. Constantly benefiting our affiliates, as they mature in the industry.
Entry into the ever-growing networking industry has never been easier. emMax provides mainstream affiliate programs, for individuals and groups to quickly get up to speed in building their business and achieving their dreams. Here at emMax, we provide total infrastructure that covers the span of the trade. From compensation planning, Internet business platforms, leadership training, continual products range expansion, to international and regional conferences, we cover the groundwork, so you can focus time where it matters, on network building. Having different offices in different cities on the globe implies a business model that is global in nature. Affiliates can build from their local knowledge and grow from strength to strength with emMax. Doing cross-border or regional group expansion is an ease. Here, we provide the localization for maturing groups moving into new territories. Tapping on the same platform, at various points of the world, affiliates can be assured of consistency and fair practices.
Leadership Development & Training
In the world of network marketing, having strong leaders is a critical factor in market penetration and business sustainability. This is why here at emMax, we devote much attention in developing programs to raise the competitive edge of our leaders. From leadership development to training, our training institutes have proven experience in educating, motivating and conditioning individuals in pursuit of success. We recognize that not all individuals are created equal, and thus we have a comprehensive variety programs, from local training seminars and events to international conferences that aim to open mindsets to cutting edge trends and practices. And in the process, ensuring equal emphasis on practical experiences through hands-on scenarios and tasks. In continuance of the key trait of the industry, which is duplicity, we breed leaders that can cultivate talents of the future.
International Network
Every corporation aspires to go international and so does our affiliates. We deeply understand this notion as emMax has too, gone through this journey. From a local company, through regional expansion to finally being an international consortium. Having in-depth local knowledge in many countries around the world, we are able to transfer this wealth of experience to our affiliates. Building networks that span across boundaries is a breeze on the emMax platform. Across the globe, we have offices equipped with facilities in aid of our affiliates. These include, meeting lounges, conference and seminar halls, training rooms and board rooms. In addition, emMax regularly holds international seminars and workshops for our affiliates, bringing together the best in the trade as they share their experiences and success stories. Constantly benefiting our affiliates, as they mature in the industry.
EmMax Ideology "The Philosophy of Success"
The Face of Globalization
With the prevalence of the Internet, this global village that we see before us has never been smaller. Geographic boundaries and differences have eroded. And urban citizens are are more connected than ever.
The Internet has developed from just a technological boom many years back to a highly credible communications and business platform. Increased bandwidth, rise of Internet-based applications and services catalytic to the industry in itself. Online consumer movement reach new heights in the recent years and will continue to progress forward. Business are taking web presence in serious consideration in their branding, marketing and public relation programs.
The face of business, differs now, with the impact of the Internet. With the massive amount of options available to consumers, speed becomes the the new buzzword. Competition platforms have been flattened, and individuals as well as small companies are also able to participate in the global competition. This implies for a new swiftness in mentality in dealing with this phase of Internet globalization. The rules have changed, and new means have arisen, in development of business competitive edge.
emMax holds the key to these issues, and builds highly influential business models. Tapping of the speed of the platform, and responding in real time to changes, emMax builds companies that can ride on this progressive wave.
The Power of Imagination
The following scenario is presented by the Internet in this globalization process. China and India have rapidly transformed into extremely important developing countries in business supply chains, which now brings great wealth to the middle classes of respective countries.
In this flat world, one so small, where changes are rapid, and new ideas and inventions are countless, traditionally physical business models are displaced at amazing speeds. Now, rates of progress are accelerated to maintain competitive advantage. The traditional development model of country to individual, from top down, is gradually being overturned as the individual’s influence is now increased. Imagination holds more weight than knowledge. Creativity holds more value over degrees. As the Internet continues to flatten the world, much knowledge, techniques and tools have become products easily obtain by the individuals. Thus more have the ability to create, with an intangible asset that can hardly be commercialized, Imagination.
With the prevalence of the Internet, this global village that we see before us has never been smaller. Geographic boundaries and differences have eroded. And urban citizens are are more connected than ever.
The Internet has developed from just a technological boom many years back to a highly credible communications and business platform. Increased bandwidth, rise of Internet-based applications and services catalytic to the industry in itself. Online consumer movement reach new heights in the recent years and will continue to progress forward. Business are taking web presence in serious consideration in their branding, marketing and public relation programs.
The face of business, differs now, with the impact of the Internet. With the massive amount of options available to consumers, speed becomes the the new buzzword. Competition platforms have been flattened, and individuals as well as small companies are also able to participate in the global competition. This implies for a new swiftness in mentality in dealing with this phase of Internet globalization. The rules have changed, and new means have arisen, in development of business competitive edge.
emMax holds the key to these issues, and builds highly influential business models. Tapping of the speed of the platform, and responding in real time to changes, emMax builds companies that can ride on this progressive wave.
The Power of Imagination
The following scenario is presented by the Internet in this globalization process. China and India have rapidly transformed into extremely important developing countries in business supply chains, which now brings great wealth to the middle classes of respective countries.
In this flat world, one so small, where changes are rapid, and new ideas and inventions are countless, traditionally physical business models are displaced at amazing speeds. Now, rates of progress are accelerated to maintain competitive advantage. The traditional development model of country to individual, from top down, is gradually being overturned as the individual’s influence is now increased. Imagination holds more weight than knowledge. Creativity holds more value over degrees. As the Internet continues to flatten the world, much knowledge, techniques and tools have become products easily obtain by the individuals. Thus more have the ability to create, with an intangible asset that can hardly be commercialized, Imagination.
About EmMax "Beyond Limits"
History
Combining outstanding consumer value, strong network synergies, and a multi-faceted business platform, EmMax’s quality products, services, and business system has worked with partners all over Asia in our efforts to improve the beauty, health, and wealth for our consumers.
With consumers all over Asia, EmMax’s rapid growth since its inception in 2008 has revolutionized the network marketing industry. Together with our members and consumers, we share a noble vision to create a better future. By constantly increasing the consumer value to our consumers to offer better products and services, more convenience, and an unparalleled business opportunity, our vision is to help individuals all over the world to maximize the qualities of their lives.
VISION
To create a thousand millionaires by 2010 through our revolutionary business platform while constantly improving the health, wealth, and beauty of our members and consumers.
To become the best network marketing platform in the world.
MISSION
To improve the health, wealth, and beauty for all our members through quality wellness products, engaging personal development courses, and a profit-sharing business model.
Through constant business network synergies among consumers, members, and business partners, to constantly create greater value and wealth for all shareholders, business partners and consumers alike.
EmMax’s corporate business alliance has expanded rapidly, and business owners from diverse industries such as training, health and beauty, technology, mobile content, VOIP, entertainment and property are now actively participating in this explosive business opportunity. With more than a thousand business owners already participating in this diverse business network, the networking opportunities to grow your business is endless!
If you are an aspiring entrepreneur, business owner, or in need of an opportunity, act fast and join us now!
Regional Presence
EmMax being global in its operations, knows well the volatilities of the international business climate. With such understanding at hand, EmMax is able to propel network marketing companies in their market expansion programs. By means of an Internet based working model that offers seamlessly connected resources from consultation, through product acquisition, to market penetration. Streamlining the process in controlling and monitoring different units in different countries. But it does not end here. From macro to micro, EmMax assumes leadership in local territorial knowledge, as we understand the cultural differences that might arise and the sensitivities involved. In different countries, we guide incoming corporations in setting up local presence, and the development of local talents and manpower.
Here at EmMax, we take care of the ground work, so you can spend time where it matters.
Combining outstanding consumer value, strong network synergies, and a multi-faceted business platform, EmMax’s quality products, services, and business system has worked with partners all over Asia in our efforts to improve the beauty, health, and wealth for our consumers.
With consumers all over Asia, EmMax’s rapid growth since its inception in 2008 has revolutionized the network marketing industry. Together with our members and consumers, we share a noble vision to create a better future. By constantly increasing the consumer value to our consumers to offer better products and services, more convenience, and an unparalleled business opportunity, our vision is to help individuals all over the world to maximize the qualities of their lives.
VISION
To create a thousand millionaires by 2010 through our revolutionary business platform while constantly improving the health, wealth, and beauty of our members and consumers.
To become the best network marketing platform in the world.
MISSION
To improve the health, wealth, and beauty for all our members through quality wellness products, engaging personal development courses, and a profit-sharing business model.
Through constant business network synergies among consumers, members, and business partners, to constantly create greater value and wealth for all shareholders, business partners and consumers alike.
EmMax’s corporate business alliance has expanded rapidly, and business owners from diverse industries such as training, health and beauty, technology, mobile content, VOIP, entertainment and property are now actively participating in this explosive business opportunity. With more than a thousand business owners already participating in this diverse business network, the networking opportunities to grow your business is endless!
If you are an aspiring entrepreneur, business owner, or in need of an opportunity, act fast and join us now!
Regional Presence
EmMax being global in its operations, knows well the volatilities of the international business climate. With such understanding at hand, EmMax is able to propel network marketing companies in their market expansion programs. By means of an Internet based working model that offers seamlessly connected resources from consultation, through product acquisition, to market penetration. Streamlining the process in controlling and monitoring different units in different countries. But it does not end here. From macro to micro, EmMax assumes leadership in local territorial knowledge, as we understand the cultural differences that might arise and the sensitivities involved. In different countries, we guide incoming corporations in setting up local presence, and the development of local talents and manpower.
Here at EmMax, we take care of the ground work, so you can spend time where it matters.
Different Types of Investments
Friday, May 2, 2008
Overall, there are three different kinds of investments. These include stocks, bonds, and cash. Sounds simple, right? Well, unfortunately, it gets very complicated from there. You see, each type of investment has numerous types of investments that fall under it.
There is quite a bit to learn about each different investment type. The stock market can be a big scary place for those who know little or nothing about investing. Fortunately, the amount of information that you need to learn has a direct relation to the type of investor that you are. There are also three types of investors: conservative, moderate, and aggressive. The different types of investments also cater to the two levels of risk tolerance: high risk and low risk.
Conservative investors often invest in cash. This means that they put their money in interest bearing savings accounts, money market accounts, mutual funds, US Treasury bills, and Certificates of Deposit. These are very safe investments that grow over a long period of time. These are also low risk investments.
Moderate investors often invest in cash and bonds, and may dabble in the stock market. Moderate investing may be low or moderate risks. Moderate investors often also invest in real estate, providing that it is low risk real estate.
Aggressive investors commonly do most of their investing in the stock market, which is higher risk. They also tend to invest in business ventures as well as higher risk real estate. For instance, if an aggressive investor puts his or her money into an older apartment building, then invests more money renovating the property, they are running a risk. They expect to be able to rent the apartments out for more money than the apartments are currently worth – or to sell the entire property for a profit on their initial investments. In some cases, this works out just fine, and in other cases, it doesn’t. It’s a risk.
Before you start investing, it is very important that you learn about the different types of investments, and what those investments can do for you. Understand the risks involved, and pay attention to past trends as well. History does indeed repeat itself, and investors know this first hand!
There is quite a bit to learn about each different investment type. The stock market can be a big scary place for those who know little or nothing about investing. Fortunately, the amount of information that you need to learn has a direct relation to the type of investor that you are. There are also three types of investors: conservative, moderate, and aggressive. The different types of investments also cater to the two levels of risk tolerance: high risk and low risk.
Conservative investors often invest in cash. This means that they put their money in interest bearing savings accounts, money market accounts, mutual funds, US Treasury bills, and Certificates of Deposit. These are very safe investments that grow over a long period of time. These are also low risk investments.
Moderate investors often invest in cash and bonds, and may dabble in the stock market. Moderate investing may be low or moderate risks. Moderate investors often also invest in real estate, providing that it is low risk real estate.
Aggressive investors commonly do most of their investing in the stock market, which is higher risk. They also tend to invest in business ventures as well as higher risk real estate. For instance, if an aggressive investor puts his or her money into an older apartment building, then invests more money renovating the property, they are running a risk. They expect to be able to rent the apartments out for more money than the apartments are currently worth – or to sell the entire property for a profit on their initial investments. In some cases, this works out just fine, and in other cases, it doesn’t. It’s a risk.
Before you start investing, it is very important that you learn about the different types of investments, and what those investments can do for you. Understand the risks involved, and pay attention to past trends as well. History does indeed repeat itself, and investors know this first hand!
How Much Money Should You Invest?
Many first time investors think that they should invest all of their savings. This isn’t necessarily true. To determine how much money you should invest, you must first determine how much you actually can afford to invest, and what your financial goals are.
First, let’s take a look at how much money you can currently afford to invest. Do you have savings that you can use? If so, great! However, you don’t want to cut yourself short when you tie your money up in an investment. What were your savings originally for?
It is important to keep three to six months of living expenses in a readily accessible savings account – don’t invest that money! Don’t invest any money that you may need to lay your hands on in a hurry in the future.
So, begin by determining how much of your savings should remain in your savings account, and how much can be used for investments. Unless you have funds from another source, such as an inheritance that you’ve recently received, this will probably be all that you currently have to invest.
Next, determine how much you can add to your investments in the future. If you are employed, you will continue to receive an income, and you can plan to use a portion of that income to build your investment portfolio over time. Speak with a qualified financial planner to set up a budget and determine how much of your future income you will be able to invest.
With the help of a financial planner, you can be sure that you are not investing more than you should – or less than you should in order to reach your investment goals.
For many types of investments, a certain initial investment amount will be required. Hopefully, you’ve done your research, and you have found an investment that will prove to be sound. If this is the case, you probably already know what the required initial investment is.
If the money that you have available for investments does not meet the required initial investment, you may have to look at other investments. Never borrow money to invest, and never use money that you have not set aside for investing!
First, let’s take a look at how much money you can currently afford to invest. Do you have savings that you can use? If so, great! However, you don’t want to cut yourself short when you tie your money up in an investment. What were your savings originally for?
It is important to keep three to six months of living expenses in a readily accessible savings account – don’t invest that money! Don’t invest any money that you may need to lay your hands on in a hurry in the future.
So, begin by determining how much of your savings should remain in your savings account, and how much can be used for investments. Unless you have funds from another source, such as an inheritance that you’ve recently received, this will probably be all that you currently have to invest.
Next, determine how much you can add to your investments in the future. If you are employed, you will continue to receive an income, and you can plan to use a portion of that income to build your investment portfolio over time. Speak with a qualified financial planner to set up a budget and determine how much of your future income you will be able to invest.
With the help of a financial planner, you can be sure that you are not investing more than you should – or less than you should in order to reach your investment goals.
For many types of investments, a certain initial investment amount will be required. Hopefully, you’ve done your research, and you have found an investment that will prove to be sound. If this is the case, you probably already know what the required initial investment is.
If the money that you have available for investments does not meet the required initial investment, you may have to look at other investments. Never borrow money to invest, and never use money that you have not set aside for investing!
