One of the biggest challenges for companies is innovation. Companies need to focus on this for their industry. At the same time, they must be ready to adapt to new innovations ahead of competitors. If a company fails to position themselves, it can be a victim of disruptive innovation. Usually when disruptive innovation occurs, a company will have seen the new innovation to come, but due to constraints within their corporate structure, they are not able to quickly adapt to the new market.
We talk a lot here about investing in stocks, mutual funds, and commodities, but today I want to talk about something a little bit different – investing in silver quarters. I think that many people overlook investing in silver quarters because it’s not as attractive or sexy as the gains in stocks, but silver is …View full post
Warren Buffet is one of the most successful stock investors that ever lived. His investment company, Berkshire Hathaway, has enjoyed a compound annual growth rate of 27.5% from 1967 to 2007. Every average investor wants to emulate his success. You’ll see them amongst the flock of Finance majors at your school. But the core of …View full post
There are parameters that need to be explored when starting a business. If you wish to jump in an invest in a franchise, this is particularly true. If you want to become a partner in a large company to have your own business that a corporate identity introduced in the public mind, that you may need to check similar settings similar to those beginning their own business from scratch. Find opportunities that will help you move forward with can be difficult, especially if you are looking for franchise opportunities pizza individuals to start making serious money.
If you might have noticed, when people stand up straight they have an arch under their foot. The arch, curved and slightly raised, occurs on the inner section of the feet. This is quite normal and can be found in as many as 95% of people. The rest 5% are people who have flat feet or no arches. This means, they do not have a curve under their feet when they stand in an upright position. Remember, this is not a serious medical condition and people who have flat feet have no problems or no pain at all. However, they can all experience pain and stress with excessive walking or running. Now, normally, people who are not used to too much of physical activity would not notice that they have flat feet. But for those who have started a liking towards running, exercising, trekking and daily morning jogs, will start realizing that their shoe is giving them trouble as days roll by.
The problem is not with the shoe, but the real problem is that, it’s not a shoe for flat feet!
People who have flat feet need to buy shoes that are specifically made for flat feet. That’s right, as people are realizing the need for running shoes for flat feet, manufacturers are putting in more effort to come up with new designs and great support and keep flat feet comfortable.
Causes of flat feet?
Causes for flat feet can be many. It can be hereditary, weak arch, arthritis, injury, pregnancy, diabetes, muscle disorder, nervous disorder or simply old age. Whatever the reasons are, the latest statistics according to several researches shows that more and more people are discovering that they have flat feet and the demand for running shoes for flat feet is increasing by the day.
How can you make money out of Shoes for Flat Feet ?
As an investment banker, I came to realize that there is a huge potential market for manufacturers selling the best shoes for flat feet. Unlike older days, choosing a shoe is just not about putting on something to protect your feet from dust and dirt, but today people are more conscious about cushioning, ankle support, air circulation, unstable soles and shock absorption feature. So, people do not mind spending some extra money to get a shoe that’s perfect for their feet type rather than adjust with an ordinary shoe and face health conditions in future.
Moreover, a recent health report has observed that our current inactive lifestyle, increasing number of diabetic condition and lack of muscle strength are causing people to develop flat feet over time. Hence, there is a huge potential for an industry to pop up where running shoes for flat feet can do some serious business. Doctors also recommend people with flat feet to choose a shoe made for their feet type, because that’s the best way to prevent any further feet disorders in the future. Major brands like Nike and Reebok has already brought out their own range of running shoes for flat feet, but there still remain a huge space for potential manufacturers or investors to put in money in this segment.
Biomedical Engineer, Telecommunications Network Engineer, Software Architect Engineer, Environmental Engineer, Project Engineer, Civil Engineer, Structural Engineer, Transportation Engineer, Computer and Information Scientist.
This is pretty telling information. It is widely projected that the engineering and computer fields will occupy at least nine out of the twenty fastest growing careers for the next ten to twenty years. More amazing still is that an estimated 2,637,239 U.S. jobs were outsourced to foreign countries in 2013 alone. The U.S. Economy lost 43% of Research and Development and 48% of IT positions, with the bulk outsourced to India and China at 36% and 18% respectively. Also, the field has a very small percentage of female employees. Only 21.7% of Bachelor of Science engineering degrees were awarded to women.
So, what does this mean for you? Whether you are just graduating high school, working on your college degree or currently at a dead-end job that gives you neither satisfaction nor the wages you would ultimately wish to be making these fields could be something you should seriously consider, especially since starting salaries range from $60,000 to $119,000. Many of these careers also include work-from-home options and multiple benefits.
So where do you begin? I believe that, first and foremost, you should have an interest in the field. Success often comes from doing what you love. If you enjoy mathematics, computers, physical science, or anything else related, you should probably research what it takes to begin your journey. Most of these positions will require the minimum of a Bachelor’s of Science degree from an accredited college or university. Though one would generally believe that a major in engineering is the only requirement, degrees in math, physics, or computer science will also open the door for you. Bear in mind that this career is extremely math-oriented. Classes in algebra, geometry, trigonometry, physics, biology, and chemistry will most likely be required as well as computer programming. Bear in mind that many schools will also require completion of two years high school algebra, and one year each of trigonometry, chemistry and physics.
As one can see there are many different fields of engineering, one of the branches with some of the biggest employment opportunities are those involving Controls/Electrical Engineering. This field deals with the study and application of industrial electronics, electromagnetism and industrial programming. A university curriculum coupled with online training are the two best resources available today to learn the electrical and programming skills necessary to secure a career in the given field.
Disciplines branching from this field include work in electronics, microelectronics, signal processing, telecommunications, instrumentation, computers and mechanical systems, or mechatronics. Regardless of which branch is chosen one will likely need to know some kind of industrial programming. So, what exactly is industrial programming? PLC’s, PAC’s, Robots and a host of other peripherals make use of industrial programming languages.
Automation is an inescapable part of our daily lives. Mail and packages are sorted with automation controllers and robots. Food & beverages purchased at local markets have no doubt been processed, packaged and distributed utilizing complex industrial systems. Have you ever wondered what happens to your luggage after you check it at the airport?
Programmable logic controllers and robots are programmed with specialized software inherent to industrial applications. Ladder Logic, Structured Text, Function Block Diagrams, and Sequential Function Chart are some of the most common industrial programming languages. The modern world is full of automation and short on automation engineers. With excellent salaries, supply and demand out of balance, in the engineers favor, the opportunities for young tech-savvy engineers have never been higher.
Seasonal investing has been around for a long time in one form or another and can definitely be considered a viable investment strategy alongside the traditional ‘buy and hold’ methods. Combined with some good past market data analysis and a small bit of luck it’s possible to make some large profits all year round.
What Is Seasonal Investing?
If you don’t know exactly what seasonal investing or seasonal trading is, then I’m confident you will have some kind of idea just from the name. It’s basically the method of investing before cyclical events and trends that happen pretty much every year, and selling when they end.
You may be wondering why this method is not standard for everyone who trades it seems pretty simple right?, it’s because even though we can predict seasonal trends there is still risk involved, with most seasonal trends associated with the weather, so that can put off many safer investors. However there are still many seasonal trends that aren’t dependent on the weather such as the various holiday events throughout the year such as Christmas which can give some good profits to retailers.
Every company wants to be profitable all year round, however some sectors just don’t lend themselves as much to certain times of the year unless they decide to diversify their products and services.
Some Examples Of Seasonal Investments
For new investors just learning about seasonal trading I’d recommend that you look at companies that sell products which will be in demand for certain times of the year. So to keep things simple we’ll look at some products that will do well in summer and some that do well in winter.
Every company wants to be profitable all year round, however some sectors just don’t lend themselves as much to certain times of the year unless they decide to diversify their products and services.
Summer Investment Ideas
Finding companies that do well in the summer isn’t that difficult, just think of all the things you do in the summer but not in the winter, for me mowing the lawn and removing weeds is something that I only do during the summer. Judging by the mower reviews and weed eater reviews online, two household brands for mowers weed eaters and other garden tools that are well known to most people are Black & Decker and Husquvarna.
Looking at the past share prices of Husquvarna shows that there is definitely a seasonal variations, however probably not a perfect example of a seasonal trend, probably due to the fact that they also sell items that are popular during the winter like chainsaws, snow blowers and generators.
My examples above may not be good seasonal trading choices but the process of finding some good ones is not much more complicated than the one above, try looking at some smaller companies compared to the ones above and you may find some great seasonal trading gems. It can take time before you build a reliable income from this method but the profit margins are worth it.
When looking for above average investment returns a savvy investors will often look to smaller companies with good growth prospects. Many small companies fall into the realm of penny stock investing which is full risk. Though titled a “penny stock,” a penny stock is not traditionally a penny. Instead, a penny stock is a common stock that has a price that is under a dollar. However there are many definitions with the Securities and Exchange Commission defining a penny stock as anything below five dollars per share. Penny stocks are extremely speculative and risky. Penny stocks are companies that may be very small or just starting out; they may be undervalued or they may simply have a very low value and it is up to the investor to decide which scenario is more likely. Penny Stocks Buyers Guide is a wonderful resource to help investors understand the risks and potential gains associated with penny stock investing.
Why is a penny stock investment risky?
A penny stock investment, by its very nature, is an investment in a company that often has a very low value. Often these companies may simply fold or disappear entirely — they may plummet in value or they may slowly decline. Small companies do not pay out dividends like other stocks and the stock price is easily manipulated and usually has a very low trading volume. Penny stocks are often traded on the OTC Markets where there is limited information and reporting requirements. Thus, a penny stock may act extremely erratic when there is any news published about the stock.
How is the stock price manipulated?
Often, a stock price will be manipulated using a strategy called a “pump and dump.” A pump and dump works as follows: an investor will encourage other investors to purchase shares of a company. As the shares are purchased, the company’s value will increase — the stock price will soar because it is suddenly desirable and because, again, the penny stock is easily manipulated. Once the stock has reached a high price, the initial investor will “dump” all of their stock while the price is high. The price will then deflate and everyone else will lose their money. A pump and dump strategy is considered fraud but this doesn’t stop it from occurring. A notable pump and dump case involves the rapper 50 cent.
How can you find penny stocks that are a good investment?
The best penny stocks will have solid fundamentals with good revenue growth and a solid balance sheet. You need to look at the company itself even more because traditional stock strategies usually won’t apply to something as small and easily influenced as a penny stock. You can use stock screeners, but, in general, personal research is usually the best. A reputable investment adviser will be able to help you sort through the penny stocks that are too risky, and you can go to seminars and learn more about the process of picking penny stocks. A penny stock is not an investment for those that are new to investing.
What are the potential rewards?
With all of these incredible risks, you may be wondering exactly what is the potential reward when purchasing a penny stock. A penny stock can be incredibly profitable if the stock price does go up, because the initial purchase price is so low. The ideal investment in a penny stock is to choose a company that is small now but will grow much larger in the future. Often, a penny stock will be a start-up company in a very promising industry. Penny stocks are also extremely volatile, making them an excellent choice for high risk investors interested in day trading. Some investors even make money based on news — when news breaks about a company, for instance, a penny stock that shares a similar name might suddenly rise due to confusion.
If we look around at the world we live in, it is clear that technology is very important to our day to day lives. When looking for an industry to invest in, it seems clear that something technology related could probably be safe bet. Let’s take a look at online gaming as an example.
The video gaming industry is one which is going from strength to strength with game lovers accessing games in all sorts of ways including gaming consoles, computers, smartphone apps and online gaming websites. Statistics show that more than half a billion people play some form of videogame for at least an hour each day – especially children. In fact, it is estimated that by the time a young person reaches the age of 21 years they will have spent an average 10,000 hours playing games! That’s a fairly substantial amount of time, even more than those same kids will spend at school!
With so much time being invested in the gaming industry, it seems only natural that anyone looking for a good investment opportunity should consider gaming. According to Motif Investing, revenue generated by gaming increased by 8% during 2012 to approximately $20 billion globally. This figure is predicted to reach almost $26 billion before the end of 2016. In the meantime, the console market is experiencing something of a slump as gamers shift their focus to playing online games rather than consoles. Online gaming offers a convenience that console gaming does not since players do not need to go out and purchase games for their console. They can essentially just search the internet and choose a game immediately, often for free since many gaming sites are making their money from advertising revenue or in-game purchases rather than charging for the game itself. This gives online gaming an aspect which could potentially result sustain continued fast growth and encourage people to move further away from console gaming. However, others suggest that the industry is very concentrated with only a handful of titles really making it big which could indicate that online gaming is more of a passing trend than a long term sustainable business.
So, should you be investing in online games? There is certainly some value in investing in this flourishing industry, but there is always the risk of the current level of interest fizzling out – but isn’t that always a risk when it comes to investments? When it comes to social gaming not every title will enjoy the success of Angry Birds or Candy Crush Saga so it can be difficult to know which developers to invest in. However, if you approach your investment wisely the you can steer clear of these types of games all together and focus more on educational games. This is one area where a more steady growth can be expected. Parents will always encourage their kids to play games which are educational, and more schools are starting to incorporate gaming into daily lessons as a way to engage pupils. When you invest in an educational gaming site such as Cooking Games for Kids you are probably never going to see profits skyrocket, but you are also unlikely to see hem plummet after those dizzying heights! Educational online games are far more likely to see slow ad steady growth over an extended period of time suggesting that they are a much safer investment.
The most recent generation of investors is at a serious disadvantage when it comes to experiencing a rational stock market. The Federal Reserves ZIRP (zero interest rate policy) and continual injection of liquidity through quantitative easing (QE) has distorted the investment landscape, causing all boats to rise with the tide. So in an environment where very little about the stock market makes sense, is there somewhere outside traditional stocks and bonds to make a decent return?
Capitalize On Human Nature
Human nature is a powerful force. And one of the most powerful aspects of human nature is competition. To look good, to outperform those around you, to be the best at something are all extremely strong motivators. Tapping into these desires can be the basis for a very profitable and long-lasting business.
The diet and exercise industry is a juggernaut. Current estimates put total sales at over $60 billion per year. And this number is only expected to increase over the next decade. One of the reasons this industry does so well, is because it reinvents itself over and over again, never allowing itself to stagnate. But another reason is because it plays to our most basic competitive instincts.
And one business that is capitalizing on this innate competitive force as well as anyone is CrossFit.
What is CrossFit
In a nutshell, CrossFit is workout that is performed in a group setting. It focuses on core movements like pull-ups, deadlifts, back squats, and other basic exercises. All exercises are performed in a class setting with an instructor and participants. Fellow participants encourage each other through each exercise to perform better and better.
But the most compelling thing about CrossFit, from an investment perspective anyway, is that it doesn’t take a massive amount of financial capital to start a gym (or box as it’s called by CrossFitters). CrossFit gyms are wide open. There’s surprisingly little in the way of equipment. Generally speaking all that is required is a few weight racks, barbells, and pull up stations. Compared the hundreds of thousands of dollars that most gyms must spend acquiring all the necessary equipment, a CrossFit box is a bargain.
In addition, members don’t expect these places to be decked out saunas, spas, and other high end amenities you find at many gyms. They are literally bare bones. And the mentality of the membership is such, that they like it that way. So the investment in the building is minimal as well.
Who Does CrossFit?
The diversity of those that attend boxes is pretty impressive. But their income level is one thing that is fairly consistent. And there’s good reason for this. Memberships are expensive. While the typical gym membership may only run you $50-$75 per month, a CrossFit membership will probably be more like $200. This is somewhat dependent upon the number of classes each member chooses to attend. The reason for the high cost is that every class is led by a certified instructor.
This allows for personal attention throughout workouts and creates incredible loyalty among members. Their box is not only their gym, but it’s a social environment that ties them to the business. This is the stuff that big corporations pay millions for.
The relationship is truly a win-win. Other than the investment in their membership anyone needs to participate is a decent pair of shoes and a good pair of gloves. That and a ton of will power.
So if you’re looking for an investment opportunity outside the realm of stocks and bonds, take a look inside a box. It’s a truly unique investment opportunity.
Until now your baby got by fine without walking shoes or socks – both great comfort and money wise. Now that she has geared up for toddlerhood, she needs shoes that is sturdy and is capable of keeping her stable while she explores her new skills. For a new parent, this can be a very special occasion, and they can easily get carried away into buying every other pair of ‘cute’ baby walking shoes. available in the market for a price they think is alright. Wait a minute! One thing that parents do not realize when they go for the most expensive pair of walking shoes for babies, is that, your baby will outgrow its size, the very next month. This again calls for a new pair of expensive shoes. This does not mean that you should not invest in good shoes, but as an investment banker, I have figured out ways how parents can save money on small things like Walking Shoes for babies and subsequently make a wise shopping decision. Here are a few tips that I have figured out how parents can stick to their budgets while shopping for walking shoes for their babies:
- Price Does Not Compensate Everything – contrary to common belief, an expensive pair of walking shoes for babies does not necessarily have to be the best shoe for your kid. What’s more important is to give your child the right fit and comfort and not an expensive price tag. This means, you can still buy a cheap pair of shoes, but make sure that it is comfortable and gives your child the best fit. There are more than enough brands out there that sell affordable shoes for babies, and all parents need to do is to find a perfect pair for their baby.
- Discounts and Coupons – why pay the full price for new walking shoes when you can get the same at a discounted price? It is simple, quick and easy to just go online for great discounts and choose retailers like eBay and Amazon to start searching for affordable baby shoes. You can also look out for subsequent coupons and discounts, or perhaps sales where you can get expensive brands at the fraction of the price.
- Design does not matter – most baby shoe manufacturers charge exuberant prices for the design and not the feature. Parents need to realize that their baby will probably need a new shoe every other month, so investing in an expensive design makes no sense at all. Go for a shoe that matches with any dress your child wears, and you are all set to keep it going for the entire month.
Baby shoes are just like clothes for your little one – your baby will outgrow in size every month. So make sure that you stick to a budget while investing in walking shoes for babies. This is the best way to not waste money on something that needs to be changed every other month.
If you have a lot of money in your bank account at Wells Fargo, Bank of America or any large bank, they offer you “Special Interest Rates” in Savings Accounts with “very high” interest rates. The truth is that your money will decrease in value in these accounts, How? It’s simple.
Investors use a different complex-sounding jargon for everything, including interest. Nominal Interest and Real Interest are two that you need to know so you won’t get ripped off by banks. Nominal Interest is the rate that is given on your contract, with Wells Fargo or whatever agency. A Business High Yield Savings Account with Wells Fargo (if it has over $25,000) gives a whopping .10% interest rate (You “earn” $25 in one year with $25,000). That’s the nominal interest rate: .10%. So, did you earn money by the end of the year? No. You just lost money because the real interest rate was negative.
What is a Real Interest Rate?
To calculate a real interest rate you first get your Nominal Interest Rate and subtract the Inflation Rate for that year. Why? Well, think about it, if inflation is reducing your money’s value faster than your interest is increasing it, your money is losing value. So, never keep your investments in a bank if you’re trying to make money off of that money, because it will actually depreciate.
Here is an example: If you had $100,000 in your account with a .10% interest rate for the year 2013 (1.6% Interest Rate) your real interest rate would be: .10% – 1.6% = -1.5% real interest rate. One year later, you would have $100,100 but that same money would be worth 1.5% less than what it was worth the year before.
If you’re looking to invest your money, you are best off going to a place that uses an investment model called a Hedge Fund. These kinds of investments are managed by companies who will invest in such a wide variety of markets that the money will increase in value whether or not certain markets are falling and failing. This has huge advantages, and is how banks themselves invest your money.
Hedge Funds ensure that you do not lose your money if a certain area of investment fails. That is not true of other investments. Let’s say you invested in Real Estate and bought tons of houses. You hired people to fix the foundations, clean the space up and remodel the kitchen and bathrooms. It was a “flipper” house. Well, then you turn around and realize that the market just crashed by $250,000 in the area, and you just lost a quarter million dollars for each house you invested in. That’s what people nowadays call an “Epic Fail.” Hedge Funds prevent this from happening.
While one market crashes by several million dollars, another market grows more than a million dollars in the same time period. A Hedge Fund would have investments in Wal-Mart, Google, Whole Foods, Pampers, Bic pens, CVS, IKEA, etc., etc. etc. There are more companies that grow every year rather than shrink. If they didn’t, we would still be a few small villages back in the early colonial days stuck with no growth and little food. The philosophy is that if you invest in everything you will have good return no matter what.
So, tell your local construction company that you are not going to do tons of remodeling on 15 new flipper houses you are about to buy—instead tell them that maybe they will work on just one, and you should put your real money into a Hedge Fund. If you invest everything in one area, you are risking it all.
And that’s why a lot of people keep their money in the bank, there is “no risk” with the bank. Well there is also no risk with the Hedge Fund, but with the bank you also have no “risk” of losing money, it is guaranteed.
(Image Source: TaxCredits.net)
There are a few different advantages of wearing cologne for men that business professionals should consider for themselves. This will help them maintain their professional appearance and will even help them fit in with office culture. But choosing the right cologne can take a little research, since there are actually many different brands out on the market. Professionals will want to try to choose something that will work with their style and will just be enjoyable for them to wear. This could actually prove to be a valuable investment for them to make, since they will need to think about wearing it consistently.
First and foremost, many professionals should try to strike a balance with the cologne for men that they decide to purchase. They should try to find something that will just help them smell better throughout the course of the day. The cologne should ideally be long lasting and able to stand up to a few different types of conditions. But wearers will also likely not want the cologne for men to be overpowering, since this can detract from its overall appeal. Most people will appreciate that they can find out more information about the different types of brands and even sample them in the store before they buy.
Finding the right source of cologne for men will often be a major challenge for anyone not used to buying it. Some people will want to try to check out what is available through many large scale retail stores. Even department stores are starting to carry their own popular line of cologne varieties, which will no doubt appeal to most people out there. Some will be interested in learning more information about how they can buy some of these brands in bulk as well, since this can be a great bargain. Consumers are starting to find that online retailers will also offer competitive rates for some of these different types of cologne for men brands.
When professionals become acquainted with the different types of brands out on the market, they will no doubt be interested in what they have to offer. Most people will be interested in finding out more information about how they can purchase different types of cologne for men. Some professionals will be interested in building up a repertoire of different brands that will no doubt appeal to many people out there. They should be ready to purchase a few different types of brands that will help them cultivate their own distinctive style as well.
Of course, many people will need to keep the cost of these cologne brands in mind. They may want to identify a brand that will simply suit their needs, but won’t strain their budget. Some people will be interested in gradually testing out a few different brands as well. If they manage to find one that they like, then they can focus on getting an affordable price tag for them as well. Some brands are starting to make it very cost effective to order online, so this is something that everyone should consider going forward.
In today’s investment world, there is so much information that can be learned from reading various sources online such as financial statements, analyst reports, blogs, and other online commentaries that sometimes the information can be overwhelming. However, when making a large investment, there is one useful old fashioned activity that I continue to practice. I think it is important to visit the facilities or the store of the company I am investing in and even meet the management if there is an opportunity. This gives me a chance to look them in the eye, measure their handshakes, and get a feel for the competency and quality of the team that I am handing money.
On occasion, in these field trips, I run into some very exceptional people. People of high character and courage who have risked a lot to follow their dreams. It is always exciting and inspiring to meet some people, although at times they can be intimidating. In the media, they tend to glorify the newest and fastest growing businesses, because of the glamour and easy riches that came to the founders. However, this narrative is misleading in many ways. The best investments are in companies that make things that people are required to buy in any circumstance. Maybe not in terms of absolute returns or media hype but certainly in terms of consistency of returns.
Whatever happens in the world, people will still be driving, eating, making babies, etc., and the companies meeting these needs can prosper in any economy. For example, there was a company that just made 1 simple product that is thriving – they make plastic films for companies to wrap their packages in. These films we take for granted and discard them in the trash without thinking but they serve an important role in keeping the product fresh for the consumer. This company was looking for an investment to build another line to produce even more film to meet the growing demand for its product from food manufacturers.
Another similar opportunity was a company which created a product that helped protect windshields from damage from flying debris. There are many companies online that helps people replace windshields. Replacing a windshield can be costly and quite staggering if you do not do your research beforehand and find a reputable dealer online. So, there is demand for a product that can protect your windshield from little scrapes and bruises. The cost of repairing a windshield chip does not have to become a major expense.
Sometimes, investing in old fashioned businesses the old fashioned way can be quite lucrative. It won’t make the headlines but it will certainly pay the bills and allow a comfortable life. As an investor, it is important to realize that the purpose of the endeavor is to return a steady return on capital. Investing is not to be done for excitement or to feel like you are part of the “cool crowd”. Instead follow the lead of the Oracle of Omaha, Warren Buffett, and seek out boring businesses that others overlook in their rush for the new, shiny thing.