All posts by admin

General Investing

Calculating Profit of Term Deposit

Investing money in term deposit is a safe and guaranteed way to get higher interest for your excess money. Time deposit or certificate of deposit is a bank product nearly similar to savings account but money on time deposit is on lock-in period before you can get it.

One disadvantage of putting money in time deposit is that you will be burdened a penalty if you get your money before the finish date. So you should not put all your savings in time deposit, you should put aside a particular amount of cash in your bank account.

The valuable thing in putting money in time deposit is knowing how to compute the interest you can get in inveting a particular amount of money in a term deposit. Once you know the interest you will receive, you can have a clue how much money you will invest in time deposit.

Term deposit is one of the guaranteed investments you can do for your money. In the Philippines, term deposit is insured up to P500,000, meaning you will not lose your capital invested in term deposit.

To calculate the total profit in time deposit, you may use the equation underneath:

Net Interest = [(principal x rate x days) / 365]*0.8

0.8 comes from 1 minus 20% withholding tax

For example: P2,630 = [(P1 million x 0.04 x 30) / 365 ]* 0.8.

From the formula above, you may observe that to increase your net gain in investing in time deposit, you must increase the days of time deposit and the principal money you will invest. The interest rate of time deposit rest on the withholding period. Obviously, the better the period, the higher the interest rate for term deposit will be.

These days you can choose where to invest your money depending on the risk level and the percentage of profit. Several investments are very risky, others are normal or without risk at all. Investing in term deposit is one of the investments with no risk at all since it is insured by the government.

General Investing

Options for Investing In Oil

var CasaleArgs = new Object();
CasaleArgs.version = 2;
CasaleArgs.adUnits = “4”;
CasaleArgs.casaleID = 129019;

The oil industry is a large economy and has an effect on all other economies. For investing in oil it is necessary to understand how it functions. It is an industry that is largely vulnerable to political currents, demand and supply. There are many ways in which oil investments can be made depending on the risk appetite of the investor.

To gain direct exposure to the oil industry, ETFs are the best solution. They operate like shares but their value is based on a specific index or asset. ETFs are not as simple as they sound. The ‘contango’ affect can devalue your fund when the future delivery prices of oil are higher than the current oil price. It is best to consult a reputed stockbroker before purchasing an ETF, if you are not well versed with the oil industry.

Alternatively, investors can buy shares of oil companies to make an oil investment. These can be mid-cap or low-cap companies, depending upon your investment capabilities. Its always good to invest in a sound company. Most profitable ones offer dividends which seems a good investment.  

Also when you invest in funds exposure fluctuating oil prices is inevitable. These funds are exposed to many legs of the oil industry such as in oil rigs, refineries or the transportation end of the industry. You will need to study the past performance, current and future strategies thoroughly before investing in a fund. Assessing these funds will also give you a deeper knowledge of this industry works.

var CasaleArgs = new Object();
CasaleArgs.version = 2;
CasaleArgs.adUnits = “4”;
CasaleArgs.casaleID = 129019;

For investors with high a risk appetite, spread betting presents an irresistible lure. It is a huge gamble that wouldn’t pan out if the market turned against you. Only the hardened investors who understand how the economy really moves can really make a knowledgeable bet. Otherwise you are in deep waters with only a prayer on your lips.

Investing in the oil industry may seem a bit daunting and terrifying, for a person who is new to it. However, it is not rocket science and you can find end number of safe investment opportunities in the oil market at the touch of a button. Advice from stockbrokers, investor friends will also help you bridge the gap. Investment opportunities in this industry should not be disregarded as they project huge potential future profits. If your play your hand well immense gains can be made from the fluctuating oil prices. Best not turn your back on such lucrative investment options that allow you exposure to a global industry.

Market Analysis

How To Market A Restaurant Facebook For Restaurants And Restaurants on Twitter Today

Today marketing any type of business can be difficult, especially for restaurants as more and more people are trimming eating out from their budget. Learning how to market a restaurant in today’s economy can be difficult. However, many businesses are finding that marketing restaurants on Twitter and Facebook for restaurants is a very effective and low cost way to do so.

Learning how to market a restaurant effectively today can be a challenge. Many small and medium sizes businesses are having a difficult time competing with the larger chains. As a result, many are learning how to put their advertising for restaurants on Twitter as well as using Facebook for restaurants.

Using Facebook for restaurants or advertising restaurants on Twitter is a very effective way to reach literally millions of people easily. Many people today are using these two social media venues for personal connects as well as marketing purposes. Learning how to market a restaurant in this way can lead to much greater profits for your business.

When learning how to market a restaurant using a social media site, it is important that you use the social site wisely. You can create your own page and add friends, offering special discounts when a person likes your page. Facebook for restaurants offers you a wide variety of choices for marketing and advertising as well as keeping people up to date about special events.

Restaurants on Twitter can have the same type of results, just using a different format. You will need to get followers to market restaurants on Twitter. However, it too is a very low cost, effective method when you are learning how to market a restaurant.

You will be presented with a variety of choices when you are learning how to market a restaurant. Restaurants on Twitter require you to have followers. Facebook for restaurants uses friends and likes to get your business notice. Either social site is a very good way to begin when you are learning how to market a restaurant.

Facebook for restaurants will be the easier of the two for you to get started with. You will simply set up your Facebook for restaurants account using the name of the restaurant, then add yourself as a friend and invite the rest of your friends as well. Offer special discounts to those who friend you or who like your page and watch your friend list grow.

Restaurants on Twitter will require you to again set up an account with the name of the restaurant. You then will get followers. With Twitter, the more posts or tweets you make, the more you will be noticed.

Market Analysis

Agencies Who Provide The Market Research Needs To Win The Trust of The Clients

Making a name for themselves is not all that an easy task, that is why companies strive hard to perform better by developing innovative products for the market, so that they could create a standard for themselves in the market. Creating a standard is difficult if the companies do not perform i.e. do not live up to the expectations of the mass. Providing the customers what they desire for is the best key to success, which needs to be followed by every company so as to not just achieve success, even to make a place for themselves in the hearts and minds of the general public. Only recognition can work wonders for the brands and that would actuate only if the companies would produce best products and provide incomparable services to their customers.

With regard to pharmaceutical companies, the research made before developing any products plays a vital role, since without accurate research no company would be able to make their move towards production, especially, in pharmaceutical industry, without proper research, they would not be able to bestow their outstanding products and services to their customers, who look for perfection, since this industry deals with human kind and human physicality’s, so perfection is the term that needs to be kept in mind while execution.

Pharmaceutical companies approach agencies who deal with market researches i.e. the companies who do the market research for pharmaceutical companies and provide them a detailed study of the needs and requirements of the market, and on the basis of the report made by such agencies, these companies develop products that would suit the needs of their customers. Companies that communicate the market research especially to pharmaceutical companies, have a fixed goal of delivering the information loud and clear to the viewers, before it is bought into productive use i.e. constructive usage of the information delivered by the market research team so that the companies be aware of the on-goings in the market and proceed with their procedures accordingly.

The report that would be provided to the companies needs to be accurate or else it may give rise to many other issues in the later stages, where even rectification would be able to be accommodated. Well, appropriate planning definitely would prove propitious and productive, but it is the implementation of the plan that matters and needs to be focused upon for better results, so that the companies are able to fulfill the needs of the mass on the basis of the research being conducted.

Repeating the information couple of times is required to create an impact on the clients, as these researched details would make the marketing strategies effective for the pharmaceutical companies proving fruitful in the longer run. Sincere research and accurate details provided by the research companies would not just add value to the developments of the pharmaceutical companies; it would even add value to the trust earned by them from their clients.

General Investing

Fidelity Investments Mutual Funds

There are many smart ways of investing and earning more money. Mutual Funds is one of the ways to invest. Investing in a company which has good fundamentals and track record is a smarter way. “Fidelity Investments” is one of the top performing mutual fund companies in the United States.

There are many top rated mutual fund schemes that are available in Fidelity Investments. Some of them are:

* Fidelity Stock Funds
* Fidelity Europe Fund
* Fidelity Japan Smaller Companies Fund
* Fidelity Municipal Income Fund

There are also some more schemes which are top rated by the rating agencies. As a investor, it is your responsibility to safeguard your money and invest in the right scheme to earn more money. So you should spend some time to analyze the top rated schemes and spotting the best among them.

There is a basic criterion which you should check before investing in any fund. You should check the ratings given by morning star. If the rating is “Low Risk” then you can select the fund and analyze the other factors. You should check the 6 months, one year, 3 years and 5 years returns history and check for consistency. You should also check whether the fund manager of the particular fund has been changed in the past 5 years. This is an important measure because, if the same fund manager stays for 5 years, then he would effectively manage the scheme and generate more returns.

Next Step: Start analyzing the top rated fidelity mutual funds.