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Casual Articles - My Investments are Down, What Can I Do?
Technology is changing business for everyone -- from small home- based businesses to mega multi-national corporations. Whether you are inspired or threatened by those changes, they are here to stay, or more accurately, to continue changing. You cannot only survive these changes, but turn them into exciting opportunities by applying some basic organizing principles.Not many years ago, getting organized was an option. Today technology has made it a necessity for three reasons: Today we have more to organize than ever before. Not only did the computer not give us the paperless age, it created more. In addition, we now have to organize the technology itself. Computers, fa
So, what is the client’s responsibility? To provide all the necessary information for your advisor, keep your advisor informed of your circumstances and your feelings about your investments, and to read the information that is sent to you - including your statements.
When you start to feel uncomfortable, you need to recognize that emotional response and work with your advisor to make adjustments that keep you emotionally comf
What is an Icebreaker?In group activities, icebreakers are those fun, energizing activities, which allow the participants in the group to get to know each other. They can also be used to introduce a topic, to facilitate teamwork, to get people engaged in a program, to loosen them up to start sharing feelings and ideas, or simply just for fun!As the name suggests, an icebreaker session is designed to “break the ice” at an event or meeting.What is the ice that needs to be broken?They haven't met each other beforeThey have never worked with you before as a leader, teacher, or trainerThey have never worked together on
The logical place to go for help is to the person who made the initial recommendations; however, if not that person, then someone with similar experience and credentials. But, before you can speak with any financial advisor about your portfolio, first be aware of your attitude towards the situation – are you angry, fearful, sick to your stomach, or indifferent?
If you are desperate to gain back the losses, you are liable to make emotional decisions that may or may not be appropriate. If you blame the advisor (or your spouse or other acquaintance) for the recommendations then you will be open to almost anyone else’s advice – whether appropriate or not. If you are hesitant to make a “wrong” decision, sometimes you don’t take any action – even when action is appropriate.
Once you start to become aware of your own attitude and emotions, consider the responsibilities of an investment advisor? What have you shared with them about your personal financial situation and investment preferences? Have you told them “I can’t afford to lose anything” or “I trust you” or “do what you like – just make me a lot of money”? Their obligation is to understand you and to make appropriate investment recommendations. They are not expected to guarantee high returns on your money, or to have all the answers about making money.
Ultimately, it is your money and your life; therefore, some of the responsibility will fall back on you – the investor. If the material circumstances of your life are negatively impacted because of investment losses (assuming no fraud) then some of that responsibility is yours.
So, what is the client’s responsibility? To provide all the necessary information for your advisor, keep your advisor informed of your circumstances and your feelings about your investments, and to read the information that is sent to you - including your statements.
When you start to feel uncomfortable, you need to recognize that emotional response and work with your advisor to make adjustments that keep you emotionally comfo
If you want to get into trading, a trading system can help. It is often hard to know if failure or lack of success in trading is the result of poor marketing or lack of knowledge about trading systems; either way, if things start to falter you may end up thinking that the system you are considering looks like a get rich quick scheme.It probably isn’t - this type of thinking is largely misrepresentation and misperception. But the question is, will a trading system really work; is it really worth investing in trading system software to help you with your trading?The short answer is that it depends - one trading system may produce good results, another may not. It all de
If you are desperate to gain back the losses, you are liable to make emotional decisions that may or may not be appropriate. If you blame the advisor (or your spouse or other acquaintance) for the recommendations then you will be open to almost anyone else’s advice – whether appropriate or not. If you are hesitant to make a “wrong” decision, sometimes you don’t take any action – even when action is appropriate.
Once you start to become aware of your own attitude and emotions, consider the responsibilities of an investment advisor? What have you shared with them about your personal financial situation and investment preferences? Have you told them “I can’t afford to lose anything” or “I trust you” or “do what you like – just make me a lot of money”? Their obligation is to understand you and to make appropriate investment recommendations. They are not expected to guarantee high returns on your money, or to have all the answers about making money.
Ultimately, it is your money and your life; therefore, some of the responsibility will fall back on you – the investor. If the material circumstances of your life are negatively impacted because of investment losses (assuming no fraud) then some of that responsibility is yours.
So, what is the client’s responsibility? To provide all the necessary information for your advisor, keep your advisor informed of your circumstances and your feelings about your investments, and to read the information that is sent to you - including your statements.
When you start to feel uncomfortable, you need to recognize that emotional response and work with your advisor to make adjustments that keep you emotionally comf
As I mention in almost all of my articles, 97% of Internet marketers never make a cent online. I mention this simple fact because it has a lot of power--it has the power to completely discourage people who are not succeeding, and it also has the power to encourage those same people who are failing to learn, so that they can succeed.In this article, I will teach you exactly what it means to build Internet capital goods--and how it relates to entering that top 3%. When you finish reading this, you will have complete faith that you can succeed and you will understand exactly what it will take to do so.So what are capital goods? You know that regular businesses purchase c
Once you start to become aware of your own attitude and emotions, consider the responsibilities of an investment advisor? What have you shared with them about your personal financial situation and investment preferences? Have you told them “I can’t afford to lose anything” or “I trust you” or “do what you like – just make me a lot of money”? Their obligation is to understand you and to make appropriate investment recommendations. They are not expected to guarantee high returns on your money, or to have all the answers about making money.
Ultimately, it is your money and your life; therefore, some of the responsibility will fall back on you – the investor. If the material circumstances of your life are negatively impacted because of investment losses (assuming no fraud) then some of that responsibility is yours.
So, what is the client’s responsibility? To provide all the necessary information for your advisor, keep your advisor informed of your circumstances and your feelings about your investments, and to read the information that is sent to you - including your statements.
When you start to feel uncomfortable, you need to recognize that emotional response and work with your advisor to make adjustments that keep you emotionally comf
Is it wise to contemplate investing in property or off-plan property investment with the current housing market the way it is in the UK? Due to the low rental yields in the UK most property investors are looking to the overseas market.There has been a great deal of interest in Bulgaria and Turkey, but for those looking further afield for property investment the growing market in the Caribbean and Dominican Republic are becoming very popular. The Caribbean is an emerging market, with some more mature markets in Barbados and The Dominican Republic. Both have their own International Airports with daily flights from both the UK and USA.Barbados is one of the premier locat
Ultimately, it is your money and your life; therefore, some of the responsibility will fall back on you – the investor. If the material circumstances of your life are negatively impacted because of investment losses (assuming no fraud) then some of that responsibility is yours.
So, what is the client’s responsibility? To provide all the necessary information for your advisor, keep your advisor informed of your circumstances and your feelings about your investments, and to read the information that is sent to you - including your statements.
When you start to feel uncomfortable, you need to recognize that emotional response and work with your advisor to make adjustments that keep you emotionally comf
Follow these steps to attract prospects and profit from selling your products via your website.1. Niche your ProductYou need to niche your product and narrow your niche as much as possible. Today, Internet offers such a broad range of subjects, and the likelihood is that someone already has thought about your niche. Even if you believe you have a great niche, think again, and don't underestimate research. Find a unique angle in a targeted market. Consider what sets you apart from the crowd and focus on that.2. Link HomeRemember to have a "Home" link on every page, so readers easily can return to your main page.3. Offer FreebiesOffer some th
So, what is the client’s responsibility? To provide all the necessary information for your advisor, keep your advisor informed of your circumstances and your feelings about your investments, and to read the information that is sent to you - including your statements.
When you start to feel uncomfortable, you need to recognize that emotional response and work with your advisor to make adjustments that keep you emotionally comfortable. Investing has been described as 80% emotional and 20% intellectual.
How can you reduce the emotional impact of market fluctuations?
At the beginning of the transaction, there is an opportunity for advisor and client to make the sell decision before any money has been invested – you don’t need to be an investment expert. Consider the following loss protection strategy, and then understand how the same concept can help you decide what to do after a drop.
Mr. and Mrs. No-Risk, Hi-Return decide to invest in a mutual fund currently valued at $10 per unit. Their advisor expects that based on past performance, it “should” provide 10%ish returns per year, but this of course, isn’t guaranteed. Mr. and Mrs. Return say they are only comfortable with 10% risk. So, if they invest $10,000. This means that of their $10,000 investment they are only prepared to risk losing $1,000.
They then agree with their advisor on the following key values for their investment:
$10 PER UNIT $10,000 INITIAL INVESTMENT
10% ACCEPTABLE LOSS $9000 INVESTMENT VALUE
$9.25 BE ON ALERT (They call their advisor and watch the value of their investment more closely)
$9 They ask to SELL THE INVESTMENT
$12 OR MORE NEW VALUE $10.8 NEW SELL PRICE ($11 ALERT)
$15 OR MORE $13.5 NEW SELL PRICE ($14 ALERT, ETC.)
It’s not physically possible for an advisor to promise 300 or more clients that they are able to do this type of monitoring. Everyone will have different price points and risk factors. If it’s that important to you, then learn to monitor investment values and call your advisor if you feel concerned.
Now, what if your portfolio has already dropped below your comfort level?
First, calculate both the dollar lost if you sold the investment today and the percentage. Wh
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