10 Essential Investor Tips For Successful Investing

Trading and investing into the financial markets has never been more popular. More and more people are starting to see the benefits of taking a little time to, first invest in themselves through a trading and investing education, but also using that knowledge on the financial markets.

Whilst traders may take quicker positions and investor will most likely be holding positions for much longer, sometimes months or even years. So, if you fancy investing into the financial markets successfully, and profit from companies you already know about like Google, Facebook or Microsoft, then these are the ten essential things that an investor must do and know before they start. Let's take a look …

1. What are your goals?

It sounds simple but many people start investing into a trillion dollar market without any type of plan which, let's face it, is essentially a gamble. Whilst it can be very simple to invest profitably for the long-term you must define your goals as this will align your expectations correctly, so you do not kick yourself in the teeth if you do not hit a million dollars in one day. For example, knowing whether you are investing for the next five or twenty-five years can make a huge difference to how you decide to invest.

2. Start early for compound interest

The single largest reason to the success of most billionaires is the power of 'compound interest'. Even Albert Einstein regarded this as the 'eighth wonder of the world'. It basically means that your money makes you money as all the gains you make put back into an investment so it compounds and builds over time. Sounds good right? It definitely is! The earlier you start the better but no matter how old you are it's never too late to start but effective that you do actually start!

3. Every little helps

No matter how little or how big you can invest, it is well worth investing on a regular basis. It sounds so simple but most people do not see the point in investing just $ 10 per month. However, if you look to the future by the time you're very old that amounts to a lot especially if you parked it into some good investments over the years. Of course, most people have a 'spend today and save tomorrow' mentality and that's the trap folks. Save and invest regularly to reap the rewards in the long run – you'll be glad you did.

4. Diversify

It's imperative to spread your capital across a wide range of investments to reduce your risk and increase potential returns over the long-term. Whilst some investments are doing poorly some others may be doing great, thereby balancing it out. However, if you're fully invested into just one thing then it's either 100% right or wrong. There are thousands of markets across treaties, stocks, commodities and indices so the opportunity is there.

5. Educate yourself

By far the most important tip. You must educate yourself and learn your craft. After all if you're investing your hard-earned capital it makes sense to do your homework. Even if you read all the articles here and watched all the videos you'll be doing far better than the majority of investing wannabes who simply give away their money to the markets.

6. Have practical expectations

Of course, we all want that million dollar investment and for many it will come at some point. But you can not plan for that, if it happens great if not then you still need a plan to survive and to reach your goals as discussed in the first tip. Remember it's the journey that's the most beautiful part and what you do on a daily basis that makes the difference.

7. But do not limit yourself

It's important one must remain conservative in deciding which investment to take. However, that should not limit you to just what you know. Be creative and find opportunities no matter how inconvenienced they may be. After all if it was that comfortable everyone would be doing it. Be adventurous in finding opportunities but be conservative in deciding which ones to take.

8. Manage your risk

Successful investing is all about managing risk. If you have $ 1,000 to invest then there's no point in putting all of that on just one investment. You're basically saying it has a 100% success rate … which of course is extremely unlicly. If you follow the steps above, like making sure you diversify, then you'll be on the right path.

9. Review constantly

A very simple step to achieving more than what you are already doing is to review your investments constantly. However, this does not mean to look at your profit and loss of a five-year investment every single day – you'll never make it to the fifth year as markets move up and down. But it's important to review what investments have worked and have not worked. Concentrate on doing more of the stuff that has worked and find out where you're going wrong with the stuff that has not.

10. Have fun!

Sounds simple but most people forget that best work comes from when we enjoy the process. Whilst investing is a serious process you are allowed to enjoy it too. In fact the buzz of finding an opportunity, researching it, investing into it and then seeing the result is exciting in itself.

There you have it ten essential tips for successful investing.

The Impact of the Internet on Contemporary Literature

Literature basically is everything that has ever been written. Anything from the earliest poems of Homer, to today's web pages, can be considered literature. But for a specific sense, there are various kinds of literature. Literature can be written in a specific language, like English Literature or be written by a specific culture, such as African Literature. But literature really means more than printed words and the internet certainly is a part of literature. I should note that the word literature comes from the French phrase belles-lettres, which means "beautiful writing". When a piece of work is called literature, it is usually considered a great work of art. The internet literature does not need to have this way for the fact that no one controls the internet literature. In the following essay I am going to speak about the impact of the internet on literature of nowdays.

There are two main classes of literature which are also present on the internet: fiction and nonfiction. Fiction is writing that an author creates from the imagination. Authors may include personal experience, or facts about real people or events, but they combine these facts with imagined situations (Moran, 45). In non-internet literature the project undergoes at least some sort of censorship in terms of what words can be used, yet the internet allows the authors to put anything they desire on the web site and enjoy it. Most fiction is narrative writing, such as novels and short stories. Fiction also includes drama and poetry. Nonfiction is factual writing about real-life situations. The principle forms of nonfiction include the essay, biography, autobiography, and diary (Browner, 90). The internet presents a new forms – internet pages, or internet books.

People read literature for a variety of reasons. The most common reason for reading is pleasure. People read to pass the time, or for information and knowledge. Through literature, people meet characters they can identify with, and sometimes find solutions for their own problems. With literature, a person can often understand situations that could not otherwise understand in real life (Koehler, 28). Often, just the arrangement of the words can be enjoyable, just as a child likes the sound of "Ring Around the Rosie", even though they might not understand what the words mean. There are four elements of literature: characters, plot, theme, and style. A good author has the ability to balance these elements, creating a unified work of art. The characters make up the central interest of many dramas and novels, as well as biographies and autobiographies. A writer must know each character thoroughly and have a clear idea about each ones look, speech, and thoughts. The internet literature is not difficult to create for the fact that unlike "traditional" literature the internet literature requires minimal start up costs (Moran, 47). And because reading usually involves convenience, at some point of time one would not be surprised to see convenient electronic devices that could be transported anywhere and would download books from the Internet and present them in digital format.

Motivation is the reason for characters actions. A good writer will be sure that the motives of a character are clear and logical. The internet writers do not have to be this way, they are not controlled and they severely risky anything by publishing online. Setting is where a character's story takes place. The plot is built around a series of events that take place within a finite period. It is what happens to the characters. No rules exist for the order in which the events are presented. A unified plot has a beginning, middle, and an end. In literary terms, a unified plot includes an exposure, a rising action, a climax, and a denouement, or outcome. The exposure gives the background and situation of the story (Browner, 93). The rising action builds upon the exposure. It creates suspense, or a reader's desire to find out what happens next. The climax is the highest point of interest, also a turning point of a story. The denouement is the conclusion. The theme is the basic idea expressed by a work of literature. It develops from the interplay of character and plot. A theme may contain morals, to warn the reader to lead a better life or a different kind of life. The internet literature does not have to be this way at all because no one controls it. The write take minimal risk in terms of investment, yet possibly can find readers from all over the world, which can pay for the e-book and download it to their own computers, is very high (Moran, 49).

A serious writer strives to make his work an honest expression of sentiment, or true emotion. They avoid sentimentality, which means giving too much emphasis to emotion or pretending to feel an emotion. A writer of honest emotion does not have to tell the reader what to think about a story. A good story will direct the reader to the author's conclusion. Style is the way a writer uses words to create literature. It is difficult to enjoy a story's characters or plot without enjoying the author's style (Browner, 98). The style of an author is as important as what he is trying to say. Point of view, or the way a story is presented, is another part of style. A writer may tell a story in the first person, using the pronoun I, as though the narrator were a major or minor character in it. Or, the writer may use the third person method, in which the narrator stands apart from the characters and describes the action using such pronouns as he and she. There are two types of third person views: limited and omniscient. In the third person limited point of view, the narrator describes the events as seen by a single character. In the third person omniscient, or all knows, point of view, the narrator reports on what several characters are thinking and feeling. Reading is an unintentionally personal art. There are no final rules for judging a piece of writing. Often, people's judgment of a work can change as taste and fashion change. Yet the classics continue to challenge readers' imaginations and give ageless advice. Shakespeare will most likely be as popular a hundred years from now as he is today. That is power of literature. Literature is timeless (Moran, 53).

It should be noted that literature can have many and different values ​​on a person and it is the internet that allows literary values ​​to be delivered to the audience without any barriers. It is all depending on the story and the value or moral issue the author wants, you, the reader to get out of it. The value literature had on me was actually hard to put into words. But to understand the value of literature you must know the definition of value and literature. Value has many meanings but there is two that relate (Browner, 102). Worth in usefulness or importance to the possessor and a principle, standard, or quality considered worthy or desirable. Literature is a body of writings in prose or verse. Literature produces value because it is basically an analysis of an experience or situation (Koehler, 30). I got a different value out of each story. With Mark Twain's The Adventure of Huckleberry Finn it showed me that one does not have to be civilized or conform to the ideas of society to become cultured or mature. With Huck Finn he ran away from everything that was considered civilized (Moran, 58). He had nothing and really did not want anything. But at the same time he experienced and matured living dangerously. This made me value Huck's adventure and take it as my own. Huck proves his marriage when he comments on how the king and duke dupe the villagers into believing that they are the dead man's brothers, and Huck says, "I never see anything so disgusting." (Twain 163) Even though the king and duke commit An awful act on the villagers he still feels sorry for them when they get tarred. Huck comments, "Human beings can be awful cruel to one another." (Twain 225) In William Faulkner's Barn Burning it told a man named Abner Snopes who burned barns when upset or mad. This was his way of getting back at them. "Barn Burning" has two very evident struggles (Browner, 105). Abner oppresses his family just as the upper class has oppressed him. "Barn Burning" to me is based on misdirected anger. Which is basically happening in these days. For example, a teenager and his parents have it out, he leaves, and now his anger is directed toward anything in his pathway. "Barn Burning" has a value in that it shows in life that people actually misdirect their anger. Such as in the school shootings and bomb threats that have occurred in the past couple of years (Koehler, 33). Just like Abner Snopes felt like an outsider to the upper class, so did the students who committed these violent acts. In "The Swimmer", it made me value life and what it brings. Because if your not careful or you do not watch out it will past you up without notice (Browner, 109). As with "Everyday Use", one of the daughters did not value who she was or who she was because she was going out looking for her history. Which she already had at her fingertips.


In conclusion I would like to note that reading all of the literature which colleges and universities assign to their students involves very high costs to the society in terms of paper consumption and time wasting (that involves going to the library, or to the book shop, Etc). The internet and the ability to download the books from online to one portable device would reduce the costs, save the trees, and will make people more efficient. I realize that there are a lot of things that we as people in this society take for granted. Literature has made me value a lot of experiences and situations so far and I enjoy holding the paper book in the evening preparing for the next day, yet I do not protest against the use of the digital technology to create digital books that would contribute not only To the efficiency but also to the reduced costs to the whole society.

Financial Strategies For Troubled Firms

There are strategies that troubled companies can use to save themselves from dire straits and regain their former financial success. These same sort of strategies are valuable for business owners and financial executives to understand how their firms can avoid financial turbulence and failure.

We must first realize that business failure or bankruptcy never happens overnight. Normally there is a gradual trend of financial deterioration that is sometimes exacerbated by industry troubles. No doubt in the current 2009-2010 environment the auto industry is a poster child for a troubled industry, as an example.

Naturally firms that are on the very precipice of failure or bankruptcy do not have many options or time left. It has to fix itself, or sink. No business owners or entrepreneurs want to face bankruptcy, liquidation, and other creditor issues.

Do financially failing firms survive because of a revival in products or their services, or have they in fact executed on improved financial management. This is a challenging questions, because the very financial problems that beset a firm hinder it in getting new sales, acquiring inventory, and regaining supplier credibility.

Also, lets be realistic, banks and other finance companies do not throw themselves at failing firms with financial offers of loans, lines of credit, etc. In fact what usually happens is that the company is forced to pledge some or all assets at much higher rates, sometimes simply accentuating the financial problems that were already there.

So what are the financial strategies that a firm can undertake to avoid financial failure when it has been losing sales, not generating profits, and generally traveling down a potential death spiral?

There are three or four solid strategies that can save the firm. The first is ‘ assets ‘. The second is liabilities and debt, and the third we will simply call ‘ maneuverering ‘.

Strategy 1:

Assets have value. They can be sold, re financed,, or pledged to secure new financing. This type of strategy works best when it works for all parties, the company and the lender, or the company and another firm. However lets be clear that this is somewhat of a one shot strategy. It either must work or it doesn’t. Asset maneuvers have 3 stages of success: assets can be used to get a new loan, assets can be sold, or they can, in somewhat of a worst case scenario, be liquidated.

Strategy 2:

On the other side of assets on the balance sheet is debt and equity. Debt can be structured properly to ensure the lender gets a reasonable reward, and the company is able to both repay and survive. There are too many types of debt to consider for the purposes of this article – suffice to say that creativity in debt is somewhat unlimited. A firm could issue debt, as an example, and repay only when the company is earning profits again.This would normally entail higher rates, but again, as we have stated, the transaction has to make sense both for customer and lender. A solid alternative solution is to simply re – structure existing debt at new rates and amortizations.

Alternatively to debt a company with promise can bring in new equity or ownership. This is somewhat more risk for all as dilution of ownership is usually significant when a company is failing and bring in new equity capital.

Strategy 3: A firm sometimes has to look to the outside for help. Since the owners and managers are often too close to the problem it is somewhat of a classic case of not seeing the forest for the trees. Outside consultants and industry experts can often bring a solution to the table. They have insights that management simply did not possess. These strategies include developing new sales and product strategies, bring in new management, or considering a strategic merger.

In summary, anyone who has worked through several business cycles over a number of years knows that companies can in fact be saved. Some go on to be the new super stars of their respective industry. The company must clearly uncover what the problem is, and then adapt strategies, financial or otherwise, to fix those problems

Essential Things to Change in Insurance Training

Insurance services use knowledge related to finance, regulations, analytics in general and everything else in specific. For example, take project insurance. The insurer needs to evaluate various risks associated with the project. He should be able to make use of project management documents to understand the measures being taken by managers to manage the risks identified by them. He should be able to assess loss in case of claim. He need to use the knowledge of project management techniques in project insurance.

Again, if it is agriculture insurance, an insurer has to get idea about the crop yield, soil quality, farming practices etc. To do a meaningfulful insurance. So, knowledge of agriculture science need to be applied. Since insurance extends its services to every possible activities in the world or even in space, it has the potential to use every kind of knowledge.

Knowledge gained by insurance professionals during training are to be used. They are not for answering few questions in examination and then forgetting them. There is no end of values ​​that insurance service can add in risk management in any kind of activities. And that is through the use of knowledge related to risk management techniques and also the knowledge related to activities. It may not be expected that every insurance professional will gain knowledge of every activity. But, he will do better if he is able to identify what knowledge to be used from where. This where can be external too.

There can be such training courses that are related to existing practices. But these are at the most basic level. It makes sense if there is a need of organized training on existing practices. There are regular changes in standards, regulations, etc. That may create a need for organized training to make them known to insurance professionals in formal way.

However, since Insurance service by nature is futuristic, there has to be an emphasis on such topics that empowers the professionals to understand the future in scientific way with greater nuance. Such training prepares insurance professionals to go much deep in their profession and make the profession richer.

So, one thing that definitely need to be in the insurance related training is something about the future, something latest, something new, something that make the participants come out from the routine thinking and dive deep into topics related to finance, regulations and analytics or Related to the special area of ​​insurance.