Daily Archives: June 21, 2017

Lessons Learned From The Stock Market

THE STOCK MARKET volatility of the past few years has taught some valuable lessons about the stock market:

* THE MARKET TENDS TO REVERT TO THE MEAN. There is a tendency for the stock market, when it has an extended period of above- or below-average returns, to revert back to the average return. Thus, following an extended period
Of above-average returns in the 1990s, the stock market experienced a significant downturn, helping to bring the averages back in line.

* DONT CHASE PERFORMANCE. Investors often move out of sectors that are not performing well, investing that money in investments that are currently high performers. But the market is cyclical; and often, those high performers are poised to underperform, while the sectors just sold are ready to outperform. Rather than trying to guess which
Sector is going to outperform, make sure your portfolio is broadly diversified across a range of investment sectors.

*AVOID STRATEGIES DESIGNED TO GET RICH QUICK IN THE STOCK MARKET. The stock market is a place for investment, not speculation. When your expectations are too high, you have a tendency to chase after high-risk investments. Your goal should be to earn reasonable returns over the long term, investing in high-quality stocks.

*DONT AVOID SELLING A STOCK BECAUSE YOU HAVE A LOSS. When selling a stock with a loss, an investor has to admit that he/she made a mistake, which is psychologically difficult to do. When evaluating your stock investments, objectively review the prospects of each one, making decisions to hold or sell on that basis rather than on whether the stock has a gain or loss.

* MAKE SURE AN INVESTMENT WILL ADD DIVERSIFICATION BENEFITS TO YOUR PORTFOLIO. Diversification helps reduce the volatility in your portfolio, since various investments will respond differently to economic events and market factors. Yet, its common for investors to keep adding investments that are similar in nature. This does not add much in the way of diversification, while making the portfolio more difficult to monitor. Diversification does not assure a profit or protect against loss in declining financial markets.

* PERIODICALLY CHECK YOUR PORTFOLIOS PERFORMANCE. While everyone likes to think their portfolio is beating the market averages, many investors simply dont know for sure. So, thoroughly analyze your portfolios performance periodically.

* NO ONE KNOWS WHERE THE MARKET IS HEADED. No one has shown a consistent ability to predict where the market is headed in the future. Past performance is no guarantee of future results. So, dont pay attention to either gloomy or optimistic predictions. Instead, approach investing with a formal plan so you can make informed decisions with confidence.

Resin beads jewelry exporters in India

Jewellery of resin beads is very popular amongst fashion followers across the world. Available in a wide range of styles and colors, looks like stone/glass but actually weights light which make it comfortable to wear and you can enjoy your fashion with style. One of the most recognized beads; these beads are glossy and flicker. Its beauty and elegance along with fine quality makes it extremely demandable although fashion season amongst all age group customers/buyers.

Following a chemical reaction, resin turns solid from liquid plastic. Used to be worn on different occasions to make you feel special these resin beads are plastic beaded jewelry comes in use to create ornaments like chokers, pendants, brooches, anklets, necklaces, earrings, bangles, hair clips and bracelets. Manufacturers use high-quality material to create beautiful and dazzling jewelleries out of from resin beads. New styles are being developed all the time with plenty of options are available in shop near to you with colorful and numerous verities of collections from where you can pick any design of your choice according to your mood, style and personality. The good thing is jewelry of resin beads are basically designed with different shapes, sizes and forms which makes it unique. Over the new type of resins which is easy to knob and equally and far most important is safe to use, makers of resin are overjoyed With growing interests of buyers for beads commercially, beads exporter India are trying hard to keep the business glow as it is a booming industry, and also cashing the profits in a huge manner. Resin jewellery, is been adorned by people wherever it is been displayed such as shopping centers, art exhibitions, jewelers exhibitions etc because of its intense beauty. With the increased demand and availability of new resins, artists across the world who are masters in creating unique and splendid designs out of it are very cheerful happy to draw their imagination in creating new pieces with new options like customized colors, looks and texture. One of the best parts is with new mould available; you can also design beautiful resin beads pieces which you can gift to your loved ones.

If you like to collect antique pieces of Greek era, then resin is very much fits in this category. This kind of jewelleries meant to be perfect blend for today’s high -paced fashion world as it combines the look and patterns of both antique and urbanization. These items usually place more significance on sophistication and fashion, somewhat than the precious nature of the materials used. Ornaments made by resin beads are always a hit in the fashion world, because of its high constant demand; it is always a hit in commercial market with high value rate.

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fee to watch your webinar at their convenience.

Once it is in place, promotion and possibly answering questions will be your only tasks.

Make money online by selling your talents. Good music is always in demand and with today’s technological advances, anyone with musical talent can make music and offer it for sale to a broad audience. By setting up your own website and using social media for promotion, you can share your music with como ganhar dinheiro na internet others and sell downloads with a free PayPal account.

It’s easy to make money online. There is truth to the fact that you can start making money on the as soon as you’re done with this article. After all, so many others are making money online, why not you? Keep your mind open and you can make a lot of money. As you can see, there are many ways to approach the world of online income. With various streams of income available, you are sure to find one, or two, that can help you with your income needs. Take this information to heart, put it to use and build your own story.

Getting paid money to work online isn’t the easiest thing to do in the world, but it is possible.

If this is something you wish to work with, then the tips presented above should have helped you. Take some time, do things the right way and then you can succeed. Start your online earning today by following the great advice discussed in this article. Earning money is not as hard as it may seem, you just need to know how to get started. By choosing to put your right foot forward, you are heading off to a great start earning money to make ends meet.

Top accountants squabble over tax avoidance morality

When David Cameron described comedian Jimmy Carrs use of the K2 artificial tax scheme as “morally wrong”, little did he know that he was kicking off a debate which is now going direct to the heart of the accountancy profession. Much of this has centred on comments made by the Chief Executive of the Institute of Chartered Accountants in England and Wales, Michael Izza, both on his blog and in an interview with the Financial Times.

The core issue revolves around the traditional notion that tax avoidance is legal while tax evasion most certainly is not. Mr Izza feels that this no longer washes with the general public who are increasingly focusing on the morality rather than the legality of tax avoidance devices. He wants his colleagues in the accountancy profession , particularly those who aggressively promote extreme tax-avoidance schemes like K2, to start looking at themselves in the mirror and asking themselves whether individual measures pass what he calls the “smell test”.

The fact is that most people take advantage of tax avoidance at some point in their lives. Every time anyone contributes into a pension scheme, they are effectively reducing their Income Tax liability. The same can be said of people who invest money in tax free ISAs or employ their wives as “secretaries” when they never actually perform the role.

Mr Izzas basic contention is that accountants and their clients effectively cross the line when they use artificial, clearly contrived tax avoidance schemes such as K2. However, many of his members do not share his somewhat sanctimonious views arguing that a good accountant will present his client with all the available options for legally reducing his tax liability and will then let the client make the final decision on which route to take. Anything less and the accountant might well be accused of professional negligence.

Another ICAEW member, Jason Selig, has an even more forthright opinion – “How is this a moral question?- there is no “right” or “wrong” about paying tax ” he insists.

Of course, many experienced clients of accountancy firms will most likely view all this hair tearing by the profession with complete indifference in the full knowledge that there have always been those accountants who effectively work for the Revenue and those who work for their clients. The former like to play things exactly by the book avoiding anything that can remotely be described as “edgy”. They think that having a reputation like this results in all their clients tax returns being waved through without query. The latter group whom one might describe as specialist tax accountants are used to playing the game with the Revenue and have all the answers ready should anything be questioned.

It seems that in the world of accountancy and tax, as in most other fields, you pay your money and you take your choice.

Microsoft Combining 3 Monitor 4K to Play Games, Rework 1.5 Billion Pixels Per Second

Monitor resolution of 3840×2160 pixels, aka 4K is still expensive, but it seems to have become one of the dream stuff PC users. This week Microsoft decided to show off a PC that is designed to run 3 monitors into a single 4K display using AMD Eyefinity technology.
The three monitors are the 32-inch 4K monitor Sharp PN-K321, each of which cost nearly U.S. $ 5,000 (U.S. $ 51.3 million). AMD HD7970 graphics card uses DirectCU II. After playing a racing game Dirt 3 on Windows 8 in the third screen with a refresh rate of 30Hz, Microsoft decided to run the game in 60Hz mode and three monitors combined into one display. AMD actually create a custom driver package, add two graphics cards and a custom power systems. They even expressed do not try it at home.
As a result, they were able to run the game Dirt 3 with framerate 62-67 frames per second in all three Sharp 4K monitor with a refresh rate of 60Hz setting and the overall setting in High mode except shadow detail and particles. That is, the total resolution is 11520×2160 pixels (24.9 megapixels). Multiplied by 60 fps, meaning that every second there are 1.492992 billion pixels processed fruit.

Relationship Advice – Relationship Issues In Today’s Society

Why is it so hard for people to stay together these days? It is because they dont know how to live with each other? This is the case for most couples in todays society. Relationships are always great in the beginning. But, soon as we find out who and what are partners are all about, couples start second guessing themselves about their mates.

Here is some useful relationship advice:

1.Learn how to live together instead learning how to work things out. In a relationship, you will always have arguments and differences. It is the simple act of learning how to live with each other is what needs to be understood.

2.You must understand one thing. Arguing in a relationship is good, for without it, it would mean that you dont care for each other. Did you know that a couple that argues in a relationship lasts much longer than those couples who do not? The more you keep things inside of you, the worse a relationship could get in the long run. Remember this!

3.Cope with each other and learn that life does not have to revolve around just one person in the relationship. Since two people are involved, it is always recommended that you keep your ideas and opinions open to each other. Gaining a perspective on what each others goals are will also allow you both to comprehend the aspect of a more perfect union.

4.Make an effort to do things outside of the home that can create an atmosphere of fun, excitement and something new. Regularly do this and you will see how it will improve your relationship and create new ideas that can be done for future outings together.

5.Never think that one is more superior than the other. As long as you both stay in the same level and let go of any past egos or pride, then you will see how you can turn troubled relationship issues into a new and prospering one. Set aside ridiculous notions on how things have to be in a marriage or relationship. Those ridiculous thoughts and ideas are something that you created and are only in your head. So, let go of them so you can move on from what has occurred in the past to have caused so much distrust, infidelity and apprehension between the two of you.

There are many different aspects that you can learn on how save a relationship or marriage that is in the brink of failure. I hope that this relationship advice will take you closer to where you need to be.

Have You Been Ever Victim Of Computer Virus

Have you been ever victim of computer virus?

With the advent of internet whole world moved to an era that had anything to everything to offer in the terms of information and resources. With so many websites and search engine, any information can be retrieved easily. Really the resources we get from www consortium are elephantine!
As the good things come with bad one; internet and server remained no longer intact from some bad programs and computer viruses.
Viruses are mainly a bad program that tries to manipulate various data on server, website and obviously your computer.
Surfing without any antivirus is more than risk now! For safety of data and computer, computer virus protection comes to rescue!
With so many programmers indulged in compiling bad programs, the number of fatal virus is increasing every day.
These computer viruses once copied in PC from any source, multiplies and make a copy of it’s own at vey tremendous rate. Slowing down of computer or total hardware and software problem are the most common problem, which a user faces.
For fixing these problems we need a computer virus scan daily. While purchasing an antivirus, one must insure that the antivirus is going to protect from any potential damage that may be caused.
Though most of operating systems have anti-malware, anti-spyware and antivirus installed with them yet they require monthly updating to keep an eye over virus database.
Abrasas,Acme,albanet,Anti heuristica,Boot killer,Black Monday,sality virus, multipartite viruses are few that proved to be vey fatal. Some of them even attacked the most secured site and most secured web servers!
You might have heard about winevar virus that was in news recently. Winevar, the worm is mainly transferred through email by attaching itself to a mail. The receiver get messages like what a foolish thing you have done. Its sort of insulting for users! It infects the system and disables security software and launches W32FunLove.499 virus. It also gave a denial message to us security firm Symantec!
Though most of antiviruses are not much potent yet some antivirus like Norton, Bitdefender, and AVG may be used to protect the system in most possible cases.
So have an antivirus and say bye to computer virus!

Tips On How To Find The Right Wedding Dress

It is very crucial for you to identify the most flattering shape for your figure when it comes to selecting a wedding dress for your big day. This will not only ensure that your looks on your wedding day turns out to be stunning but also that you feel more comfortable. This page briefly outlines the descriptions that will act as a guide to assess your body type before choosing your perfect wedding dressing. This outline provides you with the dos and donts for each body type.

If you are one of those ladies with big hips, big chests, as well as thin waists then consider the following recommendations:

Wedding Dress Dos: the best wedding dress that will show off your figure perfectly is an A-line wedding dress that comes with a dropped waist. You can wear it with a sweetheart neckline to display your chest in an ideal manner. Alternatively, you can consider something that is a bit curvaceous such as a fit-and-flare gown(trumpet or mermaid style can do better)
Wedding Dress Don’ts: never even think of put on a ball gown or Empire-waist silhouette; it may mess your figure up and make you appear disproportioned.

Short Waist
In case you have a naturally proportioned body then you have an advantage of maintaining your body shape and figure even if your weight fluctuates between the time of purchasing the wedding dress and the wedding day. This simplifies things for you because you can purchase the dress anytime and keep until the wedding day without any issues arising.

Wedding Dress Dos: try a Princess-line silhouette with a portrait or halter neckline, this will help in elongating your figure.
Wedding Dress Don’ts: you can try any other dress apart from a sheath; it might exaggerate your short waist.

Thick Waist
Your figure is almost same as the one described above but with an undefined waist and with a straight line from your shoulders to your hips.

Wedding Dress Dos: the ideal dress for you is the Empire-waist wedding dress; this dress is good at giving a long and lean appearance to figures like yours.
Wedding Dress Don’ts: the worst is for you to put on a Princess-line or Basque waist-it will draw a lot of attention to your middle.

Pear Shape
If your figure is heavy at the bottom and small at the top just like a pear, then consider the following:

Wedding Dress Dos: A strapless ball gown or a Basque waist will be more suitable for your figure.
Wedding Dress Don’ts: consider avoiding a sheath, frankly, mermaid, and trumpet sty gowns.

This series Notebook & Desktop Latest AIO Lenovo

JAKARTA – Lenovo increasingly aggressive in the market by launching a series of notebook PCs and desktop All-in-One (AIO) Touch. Vendors from the Bamboo Curtain country to bring a notebook and the latest Touch AIO desktop to the consumer segment.

This new product line comes with a series of innovations to consumers in an era that claimed Lenovo PC as PC + era.

“Today is the era of PC +, no longer his time PC old. Therefore we must provide innovation in the PC industry by encouraging innovation,” said Country General Manager Lenovo Indonesia Rajesh Thadani, in the launch line of notebook and desktop AIO Touch at The Foundry, Jakarta , Tuesday (02/07/2013).

“This year we are facing challenges in the PC industry. Market PCs now it is decreasing, but we in the PC business is still going well. For the consumer segment, we are the number one PC vendor in the world,” said Rajesh.

This new product line, said Rajesh, a part of Lenovo innovations in the PC + era. The latest line of notebooks Lenovo IdeaPad Yoga is 11s, Touch IdeaPad Z400 and IdeaPad S210 Touch. As for the desktop IdeaCentre A520 AIO is Touch, Touch IdeaCentre B540, C540 and C440 Ideacentre Touch. All new products are equipped with third-generation Intel Core processor and Windows 8 operating systems.

The specifications of the latest product series include 11s IdeaPad Yoga has a 11.6-inch IPS HD screen that supports 10-point multi-touch with a side order size of 0.67 inches. Ultrabook comes in a choice of colors Silver Grey and Clementine Orange.

11s is the successor to the IdeaPad Yoga Yoga series past and is still the same as its predecessor, the convertible notebook has four modes that can be converted into a laptop, tablet, stand and tent.

IdeaPad Z400 comes with Touch screen 14-inch HD LED Backlit Display (1366 x 768) that supports 10-point multi-touch. Moreover, it also comes with extra bass and Dolby Home Theatre v4 to produce a better sound. For type carrying the IdeaPad S210 Touch HD 11.6-inch screen with Dolby Advanced Audio v2 seritifikasi, and comes with a Companion applications such as Lenovo, the Lenovo, and Lenovo Cloud.

While the IdeaCentre A520 Touch has a full HD 23-inch display with 10-point multi touch, Intel HD Graphics 4000, 4GB of DDR memory, and has additional features like Dolby Home Theater v4. IdeaCentre B540 comes with a 23-inch full HD screen that supports multi-touch 3D display and NVIDIA GeForce graphics.

While IdeaCentre C540 Touch has a 23 inch screen, and supports up to NVIDIA GeForce 615 graphics 2GB. While the C440 AIO Touch has the same features and functionality with Touch C540, but with a smaller screen that is 21.5 inches.

IdeaPad Yoga 11s, IdeaPad Z400 Touch, Touch S210 IdeaPad, IdeaCentre A520, IdeaCentre B540 Touch, Touch IdeaCentre C540 and IdeaCentre C440, has been available in the market at each price Rp10, 4 million, Rp 7, 4 million, Rp 4, 7 million , Rp12, 9 million, Rp13, 4 million, Rp 9, 9 million, and Rp 8, 4 million.

Imfl Is The Second Largest Market In The Indian Alcoholic Beverages Industry Dominated By Whisky

Country Liquor has the highest market share in India making currently the most consumed alcoholic beverage in India and has a commanding presence in the northern states of India. Though in the short run, country liquor is still expected to have the major market share, in the long run, their market share will decrease to ~% by FY2015 and will be overtaken by the IMFL segment. The segment is expected to sustain the market leadership to a longer period only to some extent by increasing quality, proper branding and promotions.

Beer is a rapidly expanding segment in the Indian Alcoholic Beverages industry. It is the third largest market and second fastest growing market in the Indian alcoholic beverages industry. Beer market has been segmented into strong beer and mild beer on the basis of their alcohol content. Strong beer which has alcohol content more than 5%, dominates the Indian market accounting for ~% of the total beer consumed in India, stating its popularity and preference.

IMFL is the second largest segment in the Indian alcoholic beverage industry. This market has been further bifurcated into Whisky, Rum, Brandy, Vodka and Gin. This industry is growing at a steady pace and had a consumption volume of around ~ million cases in FY2010 from a consumption of around 135 million cases in FY2005.This industry has grown at an overall steady pace triggered by increasing population and disposable income, and also the fact that it is increasingly gaining social acceptance.

Vodka is the fastest growing IMFL segment in India. Its growth is rapidly increasing due to increase in pubs, hotels, restaurants, evolving nightlife and consumer preferences. It has grown over the past 5 years at a CAGR of 44.4%.

Wine industry in India is just in its birth stage Wine is the fastest growing segment in the Indian Alcoholic Beverages industry. Indian wine industry is estimated to reach a consumption of ~ million cases consumption by FY2015 by growing at a CAGR of ~% under the base case scenario.

Key Topics Covered in the Report:

1The market size of Indian alcoholic beverage industry and its segments including country liquor, IMFL (Whisky, Rum, Vodka, Brandy and Gin), beer and wine on the basis of consumption and per capita consumption
2Government regulations affecting the alcoholic beverage and its segments
3Market segmentation of the Indian alcoholic drinks industry and its segments
4Recent trends and developments in the industry and in its segments
5Competitive landscape of the various players operating in the country in beer, wine and IMFL market
6Company profiles of leading players in IMFL, beer and wine market
7Future outlook on the basis of assumed scenarios i.e. base case, worst case and aggressive case on alcoholic beverages, wine, beer, IMFL (Whisky, Rum, Vodka, Brandy and Gin) and country liquor consumption and per capita consumption in India, from 2011-2015
8SWOT analysis of the Indian alcoholic beverage industry

For more information please refer to the below mentioned link: