Best Investment Strategy For 2012 and Beyond

The best investment strategy for 2012 and beyond will differ from the popular investment strategy offered by most investment advisers and financial planners today. The investment landscape has changed. Here’s a strategy for making the best of it.

Up until recent times you could stay out of serious trouble by simply allocating about half of your investment assets to stocks and the other half to bonds. That’s the traditional investment strategy often recommended for average investors, Visit online for more details , and most people deal with it by putting their money in stock funds and bond funds. Stock funds are the growth half of the equation and the risky part of the strategy. Bond funds are considered the relatively safe investment designed to pay higher interest income. Over the years losses in one fund type were usually offset by good returns in the other.

Welcome to the year 2012, where bonds and bond funds will likely not be such a safe investment. Stock funds are never safe and 2012 will be no exception to the rule. Asset allocation will be only half of the story going forward. Selecting the right funds within each category will be the other key to success. Let’s look at your best investment strategy in both fund categories, and the reason why certain funds will be your best choices.

Two things stand out about the so-called recovery the USA has supposedly experienced over the past few years. First, the economy did not recover as it has in the past after a recession – 9% of the working force is out of work. This makes for a weak economy and puts pressure on the stock market and stock funds. That’s why you’ll need to be careful about which stock funds you include in your investment portfolio.

Second, interest rates have been driven down to historically low levels to stimulate the economy in general and the pathetic housing market. Even with a 4% mortgage rate average folks can not qualify for a mortgage or afford to buy a house. Today’s ridiculously low interest rates mean savers can not earn a respectable interest income in truly safe investments. It also means that bond funds could be a trap in 2012 for people who don’t really understand bonds and bond funds. Let’s look at the best bond fund strategy first.

Even the best bond funds of the past few years could be big losers in 2012… if they hold long term bonds in their investment portfolios. When interest rates turn around and go back up the bonds they hold will lose significant value because new bonds will become available that pay more attractive (higher) interest income. Your best investment strategy for bond funds is to own funds that hold corporate bonds that mature in about 5 years to 7 years. CORPORATE BOND FUNDS pay more interest income than similar funds that invest primarily in government bonds. Funds that hold bonds maturing in 5 to 7 years (intermediate term bond funds) will be much less affected by rising interest rates than long term funds holding bonds that mature in 20 years or more. That’s a fact, and that’s how bonds work.

Your best investment strategy for stock funds will be to go with GROWTH AND INCOME funds that invest in high quality companies with a history of paying 2% or more per year in dividend income. If the stock market gets truly ugly in 2012 and beyond these funds will be your best bet to sidestep huge losses. In a bad stock market funds that pay little or nothing in dividends are usually the big losers.

Sometimes it pays to be aggressive and take on more risk. The year 2012 looks like a time to get more conservative and live to be a risk taker another day. Most investors need to hold stock funds and bond funds as well as truly safe investments like bank CDs. Your best investment strategy for 2012: allocate your investment assets with 40% going to INTERMEDIATE TERM CORPORATE BOND FUNDS and the same going to high quality GROWTH AND INCOME STOCK FUNDS paying 2% or more in dividend income. The other 20% of your investment portfolio goes to safe investments like bank CDs.


Yahoo! Finance – What Sets This Finance Website Apart?

“What Obama Must Say Tonight,” “10 Tax Moves to Make in 2010,” and “Ailing Banks Favor Salaries Over Shareholders,” are all examples of the dozens of articles that could be found today at Yahoo! Finance. Yahoo! Finance is a finance website that offers lots of free information and tools all related to finance. Visit online for more details , There are many websites today that offers resources and tools related to personal finance and investing, so what does Yahoo! Finance have to offer?

*Free- Although there are some services available for a fee, accessing the Yahoo! Finance website is free and so is the use of many tools.

*Personalized Updates- If you choose to set up an account, you can get personalized updates when you log on about stocks or companies that you’re interested in.

*Up to Date- This is one of the best things that sets Yahoo! Finance apart. Market indexes and updates are updated frequently and the “news” is fresh.

*At a Glance- You can see Market index averages for the day including the DOW, NASDAQ, S&P 500 and more, as well as graphs showing the trend in these averages for the most recent working day.

What’s Up at Yahoo! Finance?

In addition to the Yahoo! Finance home page, you can find helpful pages on:


-News and Opinion

-Personal Finance

-My Portfolios (if you choose to organize your financial information here)

– A Tech Ticker

On the Investing Pages at Yahoo! Finance:

Find out about “Today’s Markets,” including recent earnings statements, recent stock splits and more.

Mutual Funds, Stocks, ETFs, Options, Industries and Currencies are all explored furher. Find research, converters, calculators, articles and more.

You can also learn more about world stock index levels, world news and exchange rates are under “International.”

“Research and Education” offers a business term glossary, personal tutorials on finance and investing and more.

Of course Yahoo! Finance also offer “Community,” a section where you can chat, ask questions or join groups.

On the Personal Finance Pages at Yahoo! Finance:

Get your personal finances organized at “Banking and Budgeting.” Free trials of online bill pay are available. Frequent offers include free for 6 months and $4.95 thereafter.

More under Personal Finance…




*Real estate

* Family and Income


On the News and Opinion Pages at Yahoo! Finance:

Look for articles on…

*Industry news

*New technology

*Top picks by experts

Creating a Yahoo! Finance Account:

Creating an account at Yahoo! Finance is easy and free. Once you’ve created an account, you can personalize your logon so that the information that is important to you will be displayed including stock prices and relevant news pertaining to companies you are interested in.

The Perks of Yahoo! Finance:

Yahoo! Finance visitors and members enjoy that there’s so much financial information in one place and that the articles and financial charts on Yahoo! Finance are kept up to date. They also like that so many of the services available are free. Visitors also applaud Yahoo! for having limited ads.


Social Investing: What Is It?

Social investing has received a lot of interest in recent years – especially following the financial crisis. Most people, however, are left wondering: What is social investing? Let’s answer this question.

To understand what social investing is, we must first consider how traditional investors look at the world. Visit online for more details , In traditional investing, investors weigh investment decisions by looking at two broad factors – risk and financial return.

Risk, Return – and Social Impact

Each investor has a certain comfort level across the risk-return spectrum, and he or she does their investing within that band of the spectrum. An investor might be comfortable giving up some of their return if an investment is safer. On the other hand, the same investor might be willing take a little more risk with an investment if it translates into a higher return.

In social investing, a third factor is thrown into consideration – social impact. Social impact means that the enterprise supported by the investment yields some benefit to society beyond the income it generates for investors. Conversely, an enterprise can also have some negative impact on society, and a social investor will also take this into consideration when making investments.

Just as traditional investors are willing to make a trade off between risk and return, social investors are willing to make a trade off between risk, return and social impact. If an enterprise is doing something that’s improving the environment, for example, a social investor may be willing to give up some financial return or assume greater risk on that investment depending on his or her individual comfort level.

In short, social investing can be defined as considering the social impact of an enterprise when making investment decisions. By this standard, a number of investment approaches fall under the umbrella of social investing: mission investing, responsible investing, double-bottom-line investing, triple-bottom-line investing, ethical investing, sustainable investing and green investing.

Social Screening

Within the universe of social investing, there are two broad categories: social screening and impact investing. In the social screening methodology, an investor comes up with a list of social standards that he or she wants his or her investments to meet.

The investor eliminates any company that does not meet these standards and then invests in the “socially responsible” companies that do meet the standards in a way that meets the investors risk and return objectives.

A number of socially responsible mutual funds have emerged that use such an approach. They adopt a social screening methodology, define a large basket of investments that adhere to those standards and then have their management company invest within that basket to meet the financial objectives of the mutual fund.

Impact Investing

The second broad category of social investing is known as impact investing or, sometimes, community investing. In impact investing, rather than investing in companies that do no harm, investments are made in companies that do social good.


What Is the Difference Between CAT5e and CAT6 Ethernet Cables?

When using Ethernet Cables, we hear the term CAT5e Cable and CAT6 Cable, so what is the difference? Both of these cables are referred to as twisted pair copper cable, both of them have 8 individual insulated copper wires and both are normally terminated with an RJ-45 connector. So what’s the big deal?

The original Ethernet data standards used copper coaxial cable to transfer data on the early packet switched networks.


10Base5 networks used fairly stiff 0.375 inch, 50 ohm impedance coaxial cable, and was often characterised by its Creamy Yellow external insulated coating. Visit online for more details , It was often attached to the wall similar to a Dado Rail and was often known as Thick Ethernet. It was designed to pass Ethernet signals at 10 Mbps over a maximum distance of 500 metres, and this could be extended up to 2500 metres using 4 repeaters.


10Base2 networks utilised 50 ohm impedance coaxial cable that was much thinner and more flexible than 10Base5, but the Ethernet signals were still designed to be transmitted over this medium at 10 Mbps, albeit over a much shorter distance of around 185 metres, which could be extended up to 925 metres with the addition of 4 repeaters. Both the 10Base5 and 10Base2 standards have become largely obsolete and twisted pair cable is now the common wired network medium.

Twisted Pair Ethernet Cable

10BaseT was developed in the early 1980s and it mainly used Category 3 cable for transmissions up to 10 Mbs over distances up to 100 metres. Ethernet standards evolved to include faster data rate transmission and the 10BaseTx 100 Mbps and 1000Baset 1000 Mbps standards were introduced. Cat3 cable was no longer had sufficient bandwidth response to deal with these faster technologies and so the Cat5 and Cat5e cable standards were introduced which allowed data speeds at up to 100 Mbps and 1000 Mbps respectively. The original Cat5 standard was fine for the 100BaseTx transmissions but was quickly superseded by Cat5e as the 1000BaseT standard became commonplace.

So what is the difference between CAT5e and CAT6 Cable? Well the cables are constructed in a similar manner with 4 copper pairs, making 8 wires in total. Each pair of wires are colour coded and twisted around each other to help reduce Crosstalk. The Cat5e cable is rated up to 100Mhz and supports up to 1 Gigabit Ethernet, whilst the Cat6 cable is rated up to 250Mhz and can support 10 Gigabit Ethernet signals.

Cat6 Ethernet Cable has over 2 twists per centimetre whereas Cat5e Ethernet Cable only has 1.5 to 2 twists per centimetre. The result is that Cat6 Cable better protects against Crosstalk. Another difference is that the sheath thickness is also greater when comparing Cat6 with Cat5e. Some of the Category 6 cables actually have a Nylon Spine and the combination of this spine and the thicker sheath protect against Near End Crosstalk (NEXT) and Alien Crosstalk (AXT), which can increase as the frequency increases.


Online Casino Games – The World’s Easiest

The online casino games truly are the best in terms of quality as well as ease of mechanics. You never have to think แทงบอลออนไลน์ very hard if you want to play these games either in an online casino or in a real casino for that matter. Both arenas will surely allow you to win once you play their games. The online casino games include blackjack, keno and slots as well. An online casino truly has many options when it comes to gaming. This holds true also for a real casino in Vegas. You will never regret entering the gambling arena for as long as you live on earth.

Online casino games are very easy and do not require much thought. Unlike the role-playing strategy, these games are available in some online casino websites. If you are able to play these games, you will surely enjoy it without the hassle of too much thought as though you are in the real casino. Gambling games are very simple and only require you think about numbers that you want to bet on. In any case, if you do not win you will still be able to play for as long as you like in casinos. You will not have a hard time convincing the people around you to let you play some more as long as you have money to spend.

Although, you have to be very careful as to the amount of money you bet on a certain game. Some games have hidden rates that will kill you once you get too much money out of your pocket. This is why you have to be very careful in reading the rules and regulations of the game before playing. In any case, you can always go to the customer service to air your complaints if you have any. They are open twenty-four hours a day, seven days a week and would be willing to serve you in any way that they can. Casinos always make sure that they can offer the best service possible to their customers.

In addition to this, it is always a good thing to play casino games because it gives you an escape from your problems even for just a few hours. The good thing is you never have to leave your home to do this. You just have to have a personal computer available and internet access. Furthermore, this proves that there is nothing impossible with the internet. This just goes to show how innovative man can be once they use their intelligence for the good of the humankind. You will never go wrong if you use the technology for the good of others.

Moreover, these games will truly make you sharper as a person because you will learn to strategize and be cunning enough to beat your opponent in these games. Lastly, online casino games are very intelligently made in such a way that it is easy to understand much like the real casino games in Vegas. An online casino should have these easy casino games for beginners.


The Secret My Lawyers & Accountants Didn’t Even Know About – How to Get a Business Loan

Stop! Turn off your cell phone.

Quit tweeting and texting for the next 4 minutes. Grab a cup of coffee.

Shut the door so there are no distractions. This is that important!

Because I’m about to reveal to you the greatest secret to getting a business loan for as much as $25,000, $50,000 or even $250,000 – even when the bank says “NO!”  Visit online for more details , and even if you don’t have perfect credit.

I have to warn you though… Don’t pay attention to the credit card companies. Forget everything you’ve heard. You can actually hurt your chances of getting the small business loan you need if you follow their advice.

It’s true. Why? Because they’re more concerned about raking in record profit margins and reaping huge bonuses! They don’t care about your business or if you get a business loan.

Credit cards companies want you to keep piling up debt on your high-interest personal credit and hold you personally liable for your expenses.

Do you think they really care if it takes you 10, 20 or 30 years to pay it back? Or if lowering your spending limit for no good reason has affected your business? Or if your personal credit is destroyed while you try to build the business of your dreams?

Of course not. Not when it means more money for them! And let’s not leave out the banks. Business lending is at all-time lows. Think they’re interested in taking a risk, however small it may be?

The secret… How to get a Business Loan

But there’s a little known secret that most small and mid-size business owners don’t know about. Heck, even most credit card companies don’t advertise it. I didn’t even know about it and I’d been running businesses for years!

Accountants I’ve used for years weren’t aware of it. Lawyers who I’ve paid up to $700 an hour didn’t know about it. But I’m about to reveal it to you right now and it won’t cost you a penny…

I’m not going to make you read every word of this or make you jump through hoops to get the secret. I know you’re busy so I’m going to give it to you right now and then explain how to make this secret work for you.

Here it is: You can get a small business loan. Usually reserved for large corporations, there’s a 7-step process for small and mid-size business owners to get the business loan they need without a traditional personal guarantee.

Mystery solved! More about that in a moment…

Whether you’re looking for a start up business loan, have an existing business or if you’re buying a business or franchise, you can now access working capital.

Don’t have perfect personal credit? No problem.

It doesn’t even matter if you have less than perfect personal credit. You can still get business financing, whether that’s a merchant cash advance, or business loans with bad credit.

That’s right. You no longer have to rely on your personal credit to finance your business. You can rebuild your personal credit and create a business credit profile to get the business loan you need to grow your business.


Online Betting – Odds Intervention System

Chances in wagering speech imply that an occasion has the probability of occurring. It is the likelihood maxwin 138 of an occasion occurring. For instance the likelihood of a coin arrival on heads or tails is half. Chances are the manner in which a punter procures his benefits.

Bookmakers generally utilize any of the 3 significant chances designs to wager. These 3 structures are partial, decimal and cash line odd frameworks. The inclination of utilizing a specific chances framework depends on the nation of activity and the bookmaker’s very own decision. The explanation isn’t variety in benefits yet ease in computation for the bookmaker.

The 3 sorts of odd mediation frameworks are:

1. The partial chances framework – This framework communicates chances as portions like 1/4, 1/10, etc. They show the installment you will procure which is comparative with the sum you have bet. For instance, of you bet $20 in Group A triumphant a game at a chances of 1/4, it implies you will get 1/4×20= 5. Your income from this will sum to$ 25. You acquire the sum bet and the payout.

2. The decimal chances framework – The chances are reflected in the decimal organization in this framework. The decimal chances of an occasion happening is the decimal worth of the division odd with one added to it. Subsequently the fragmentary worth of 5/1 is 6 and that of 1/5 is 1.20. As the decimal chances framework is extremely straightforward and work with it is likewise liked by many wagering trades for directing their wagering exercises. An illustration of this chances framework is Group B succeeding in conflict of 2 on a $10 bet. The payout here will be 2×10 = $20. This framework has the payout calculated into the decimals.

3. The cash line chances framework – Otherwise called American chances these have their figure statements as one or the other positive or negative with next to no point spread thought. For instance a fragmentary odd of 5/1 is cited as +500 and that of 1/5 as – 500. Fair chances to break even are cited as 100 with the “- “sign not being shown on occasion. The positive figure expresses the benefit you will make and the negative the sum you should bet to make a sum on the bet.

You actually must be knowledgeable in every one of the wagering frameworks as various bookmakers might utilize any of these frameworks. Knowing how to ascertain utilizing every one of the frameworks won’t just expand your wagering open doors yet in addition the possibilities creating gains.

Chances are continually different by bookmakers relying upon the advancement of the occasion or now and again to tip things in the blessing of another group. Chances against infers getting over two times the sum bet. Levels are winning a sum equivalent to your bet. Model is bringing back home $2 on the off chance that you bet $1 and win $1.Odds on is the point at which you win not exactly twofold the sum you have wagered. Short chances will be chances of a high occasion event and one in a million chances are the possibilities that an occasion will happen are low.

A chances mediation strategy in live business sectors is an exceptional contribution of a few high level wagering trades and they offer the bettor the chance to take better choices while putting down wagers and a higher opportunity to win wagers. For instance on the off chance that the chances and stakes develop to a specific rate the wagering trade will intercede and fix them to an OK level. This data will be shown on the trades landing page so that everybody could see.


How to Play Powerball – The Great American Lottery

Participating in a big jackpot lottery once a in a while can really be a huge thrill, especially on those days where the jackpot has been accumulating for some time and the potential winnings are exceptional. One such lottery that constantly is providing the chance to win a massive amount of money is the ltobet Powerball lottery in the United States. What many people do not know is that it is actually possible to play the Powerball lottery online, without having to be an American citizen or a resident in the United States. There are several trusted companies online which you can sign up with in order to start playing. This is also true for other popular lotteries, such as the Euromillions lottery and the UK National Lottery.

In this article however, we will focus on the Powerball lottery and how it works. So how do you play? Well, it is all very simple really, all you need to do is to choose five white numbered balls and one red numbered ball. The red ball is considered to be the Powerball, hence the chosen name of the game. You do not have to get all the balls correct in sequence in the draw in order to win, as there are several ways of winning, however, to win the huge jackpot which starts at $15 million USD, you need to get them all right.

Due to the popularity of the Powerball lottery there has been numerous attempts of developing strategies for winning the lottery, and of course there are some people who believe that it is in fact possible to find such strategies online. You must however understand one thing, and that is that the Powerball lottery, as well as most other lotteries, is a pure game of chance. There are countless lottery strategies that tells you to keep track of the numbers being drawn – and then pick those numbers that have not appeared for a certain number of draws.

These lottery systems simply do not work as they are based on what is known as the gambler´s fallacy. The opposite theory of the gambler´s fallacy is the belief that because a particular event has become overdue, well, then that event surely must occur very soon. This is not correct however, as you actually have exactly the same chance for certain numbers to appear in the lottery draw each and every time you play. To clarify this fact further – the lottery balls can not remember if they were drawn in the last couple of games or not! In other words, you have the same chance of winning in a draw as if you were to pick the numbers totally at random.

There are however lottery systems which can be used and are compatible with the Powerball lottery, but these strategies are more focused on trying to dutch specific numbers in groups. These systems will aim at completing your winning row if you are lucky enough to get two or three numbers correct. These lottery strategies can be very complex, but are both interesting and fun to play with at the Powerball lottery.



How to End a Relationship? Here’s the Best Advice to End a Relationship Without Hard Feelings

How to end a relationship when you feel that you are no longer in love with your partner and you want to move on. Or even worse, how to end a relationship when you are still in love with your partner, but for some reason, get someone to love you ,you think it is best for you to end the relationship.

Whatever the reasons may be that make you want to end a relationship, still the fact is, it is hard to end a relationship. While ending a relationship is hardly at the top of anybody’s list, the truth is, when a relationship has gone bad, someone has to make the move to end it. Many relationships that could have been long adjourned, keep going on just because it is hard to break up.

In my opinion, a relationship need not end in a dramatic manner with harsh words being yelled at your partner or your partner’s belongings being thrown out of the house. Sometimes, a relationship may just die a natural death. Both partners recognize that the relationship needs to be called off but no one is willing to take action and end it. All the same, you need to formally end a relationship when you feel it is over so that you can have the freedom to move on without feeling guilty.

So how do you end a relationship in a civilized way so that no one is hurt? Such a question is hard to answer but here is how I was able to end my relationship with my boyfriend without any hard feelings.

It had been a long time that I had a gut feeling that things were no longer working between us. I did not feel as loved as I wanted to and though I tried to make excuses for him, I only realized that I was doing myself a great disservice because the longer I pretended like everything was alright, the more I was hurting myself.

I also knew he wanted to end the relationship but was afraid to hurt me and was wondering how to end a relationship?

The first thing I did to help me end a relationship was to make sure I was clear on why I wanted to end the romance. I had to get honest with myself and face things just the way they were instead of being in denial.

Sometimes your friends notice that a relationship is not good for you but because you are so desperately in love,you live in denial, refuse to end the relationship and end up suffering unnecessarily. So it is important that you be honest with yourself.

After doing some self assessment as to why and how to end a relationship, I called my boyfriend and scheduled a mutually convenient place and time for us to meet and end the relationship. I feel it is better to end a relationship in person rather than over the phone so that you can be there to comfort and support the other party when they become very emotional.

Ending a relationship over the phone can make you be more dramatic and less compassionate than you would be if you did it in person. Of course, in a long distance relationship, it is better to end the relationship over the phone instead of waiting to get back together.

I wanted to stay friends with my ex so it was important that I conclude our romantic ties in a compassionate manner. We talked about the things we had learned while together and the memories we would cherish during our time apart. I avoided blaming and attacking my boyfriend, though I had a million reasons to do so. I just figured that taking it personal was not how to end a relationship.

He said things that I know he did not mean because he was hurt but I tried to overlook them and not to take it personal. He also asked me to give him time to deal with ending the relationship and asked if he could see me a few more times if he needed to. I agreed, gave him the space he needed to go through the transition but made myself available to meet him occasionally, no emotions attached.


5 Benefits of Using Online Class Registration

With rapid advancements in technology, the learning and development industry is also simultaneously being exposed to technological up-gradations in their systems.. A key component of the technology driven progression is the way in which student admissions and enrollments are executed. With the introduction of the online class registration system, the traditional enrollment processes are history. Many schools, colleges, universities and institutes are adopting this platform to streamline solve my cengage homework  their work flow processes.

This software has a multiple benefits that are mentioned below-

· Absolutely free and offers customized forms for registration-

This software does not require any installation. It is Cloud-based, and hence the registration pages can be designed and published in less than 20 minutes. Most systems have readymade templates than can be used. Add graphics and the organization logo to maintain parity with your organization’s website. The students are able to view the form online and can register via the internet. The service is 24×7 and can be accessed from any part of the world. Edits can be made on the registration form even after it has been submitted.

· Cost effective and saves time-

As it requires no installation charges the cost can be greatly minimized. Manual registrations require employing external personnel along with a mountain of paperwork. Converting the manual system to the online interface significantly reduces man hours and gives the administrative jobs the structure that it demands. Now the students can be save from the long queues when registration for a class.

· Multiple payment options-

Multiple ways of making the payments online are available with this service. Students can use their credit cards, PayPal and wire transfers to transfer course fees instantly. The attendees can also deposit the money in the organization’s merchant account directly. Organizations also do not require additional resources to collect payments and maintain accounts for the same. This makes payment possible without any inconvenience.

· Offers badges and calendar tool –

Educational institutions can take of help of the various name badge templates; a tool that comes embedded with the system. These customized badges can be mailed to each individual student. The software also provides interesting features like the calendar tool, where the institute can add up or delete information related to the class schedule. The student can view the calendar and can register for the particular course accordingly. This is a mutually beneficial tool as both institute and the student find it to their advantage.