Strathclyde Associates Investment Guide Investment Strategy

A well-planned investment strategy is essential before having any investment decisions. A business strategy is generally based upon long run period. Formation of business strategy largely dependent upon the factors such as long-term goals and risk on the investment.
As the return on investment is not always clear, so the investors prepare the strategy so as to face the ongoing challenges in investment. A balanced investment strategy is generally required in the process of investment, which possesses long time period and some risk tolerance.
In the case, when a strategy is aggressive the chance of attaining a higher goal is higher. An efficient strategy can be obtained from portfolio theory, which shows good estimates on risk and return.
Strathclyde Associates Investment Guide: Investment Strategy is usually considered to be more of a branch of finance than economics. It is defined as set of rules, a definite behavior or procedure guiding an investor to choose his investment portfolio. For example, investing in mutual funds has recently emerged as a very favorable investment strategy.
An investment strategy is centered on a risk-return tradeoff for a potential investor. High return investment instruments such as real estate and mutual funds usually have more risks associated with it than low return-low risk investment opportunities. Return on investment can be calculated on past or current investment or on the estimated return on future investment.
Symbolically, it can be expressed as: Vf/Vi -1 where Vf denotes final investment value and Vi is the initial investment value. (“f” and “i” should be noted as subscripts)
Strathclyde Associates Investment Guide: Return on investment (ROI) is profitable when Vf/Vi-1>0 and the investment is deemed to be unprofitable when the value of final investment is less than that of the initial investment. ROI is calculated to be 1 or 100% when the value of the final investment is twice the value of the initial investment.
Types of investment strategies can be defined as follows: A passive investment strategy attempted to minimize transaction costs.
An active investment strategy guide used to maximize returns based on moves such as proper market timing. This usually mean, “buying in the lows and selling in the highs” or buying investment instruments when they are cheap and selling them off when their price appreciates. This strategy, however, is not very beneficial for small time investors.

Small time investors can adopt the buy and hold investment strategy to invest in equities, which although volatile in nature, give favorable long run returns. Investing in equity markets for small time investors is associated with the investors holding on for very long periods. In the case of real estate, the holding period extends the lifespan of the mortgage. Notably, in case of this strategy, indexing or buying a small proportion of all the shares in market index or a mutual fund is a purely passive variant of the above strategy.
The strategy of value investing, a classic investment strategy propagated by Benjamin Graham simply concentrates on the strategy that an investor buys shares of a company as if he was buying off the whole company without paying any attention to the stock market scenario or any exterior conditions such as the political climate. At the end of the day, if he can buy the stock at less than that its actual future worth to the buyer, the person is said to have discovered a “value investment.”
Investment strategies can also denote the investment strategies a national or federal government should follow to bring about economic growth in a country. This can only be achieved by domestic investment as well as significant FDI (Foreign Direct Investment) flows to particular sectors of countries, especially the less developed ones of Asia and Africa.
In case of India, infrastructural problems, excessive government intervention, rigid labor laws and corruption are stifling the flow of FDI in the critical sectors. Less developed countries such as those in the Asia- Pacific region and Africa can bring about much needed development in these economies.
An investment strategy in mutual funds is probably the best bet for a profitable investment. Mutual funds is defined as a pool of money supplied by different investors and in turn used by the mutual fund company to invest in various assets such as stocks and bonds. However, a detailed research has to be conducted for choosing the mutual fund companies and only those should be considered which have a professional investment manger. This will ensure that the funds get channeled towards the right investments. This also applies for investing in stock markets where a decision to invest should follow a through research about the past and current trends of the stock prices and their Net Asset Values (NAV). Analyses from market researchers about the predicted future trends should also be considered otherwise gains from capital appreciation; capital gain distribution (in case of mutual funds) and dividends might not be realized.
Lastly, investment strategies leading to green investments or investments in renewable sources of energy will be the next big thing in the investment spectrum. From Economy Watch. Economy, Investment & Finance Reports.

Strathclyde Associates is a full service brokerage firm with many years experience in providing a wide array of services globally to a vast group of clients that include private individuals, financial institutions, governments and corporations.

Advertising And Marketing Communications Management Program Offers Biggest Breadth Of Digital Inform

There are many fields in which the duties of professionals vary. One such field is the management of marketing communications and advertising. Most often, however, tasks revolve around the control of a few key advertising and public relations roles. As such, these professionals must develop or refine a communications strategy, which includes the branding of a company or client; identify opportunities for customer research and to implement these data gathering and targeting initiatives; work with product design and production teams to coordinate the refine of old products or the creation of new products. Unlike other marketing and communications professionals, these managers are in direct contact with clients, helping them to develop and then meet their goals.

At Centennial College, students can attend a marketing and communications program aptly called Advertising and Marketing Communications Management, which has been recognized by the Interactive Advertising Bureau as offering the largest breadth of digital /mobile curriculum.

The aim of this three-year offering is to introduce students to the entire advertising process, which includes research, developing strategies, campaign planning, copywriting, production, media planning and buying.

For a realistic experience, students in this marketing and advertising communication program in Toronto encounter elements of the real world in their courses. For example, they must meet firm deadlines, complete activities in which multitasking is involved, work under pressure and deliver professional presentations. Once students have an idea of what to expect in the field, they have the opportunity to apply their skills to the real world, as this is the only Greater Toronto Area college program with a four-month internship. Aside from working with a host of professionals and gaining an idea of how their roles function in the real world, students should also take this opportunity to expand their professional networks.

It is important to note that fifth semester offers students specialized streams that provide an advanced concentration in copywriting, media planning and buying or account service.

As a respected advertising program Toronto offers, this undertaking supplies students with the option to enter the field, for which they are fully prepared after three years or increase their knowledge through further education.

With the abilities to work in all areas of advertising and marketing communications, including account management, media buying and planning, marketing, digital/mobile, copywriting, production, direct marketing, promotions and event marketing, students have been hired by many reputable companies. Among these organizations are: Anderson DDB, Boom Marketing, Grey Canada, MacLaren McCan, Media Edge, Mindshare, Starcom, Young & Rubicams and more.

Eligible graduates may benefit from Centennial College’s educational partnerships that allow graduates to apply academic credit towards further study. This program has partnered with Alberta’s Athabasca University, Algoma University in Ontario, Davenport University in Michigan and Australia’s Griffith University.

Your Career in the Beauty Industry

With the appropriate skills and a keen interest in fashion and what looks good, you could well be on the first step to a fabulous career in the beauty industry.

What is the beauty business about?

The beauty industry offers products, treatments and guidance for many who would like to improve their general appearance.

What are the most common jobs in Beauty?

A great deal of people inside the beauty business specialise in one field such as hairdressing, beauty therapy, tanning and nails. Beauty therapists and beauticians undertake a variety of skills and treatments such as ipl (electrical treatments for body hair), dermatology, massage therapy and aromatherapy.

Beauty jobs are carried out in establishments such as salons, spas and hotels. They are often associated with good health and well being.

Nowadays beauty also overlaps into the medical profession with many aesthetic surgery outlets. This creates job openings for aesthetic doctors, nurses and assistants. Beauty consultants are also used to work alongside these professionals.

What do I need to work in this sector?

To work within this industry you must have the skills that are necessary and relevant to your chosen area, for example – Hairdressing, Beauty Therapy, Nails and Make Up. Also required is an in depth knowledge, understanding and passion for the profession.

You must keep up to date with the latest trends, fashions and styles and be able to incorporate this into the solution for your client. It is vital to have good communication skills to converse well with the customer, to interpret their requests and advise on the best outcome that is right for them. Each beauty treatment or haircut must be tailor made to suit each individual taste and preference.

Within this industry there are also many opportunities to be self employed and work as your own boss. It is quite common to find hairdressers or beauty therapists that rent a room or space within an establishment such as a spa or salon. This requires extra skills in accounting and managerial aspects to keep on top of the business for smooth organisation, continued growth and profit.

There are a range of different qualifications inside hairdressing and beauty studies. They are at various levels such as apprenticeships, diplomas, NVQs and degrees.

Most courses are governed by organisations that keep the standard of education and skills at a professional level. This ensures all of the latest practises and techniques are incorporated and undertaken. This includes the current fashions and trends.

Digital Menu Board for Food Industry

Call it the alchemist, technology has virtually transformed every industry it has come into contact with. And with the advent of digital menu or digital menu board, the miracle of technology has seeped in to the hospitality industry as well. Unsurprisingly, it is all set to take the industry by storm by offering highly interactive services, and an absolutely new dining experience.

In a way, menu is the first and the most important point of contact with the customers. So, it holds great potential to be the prime and most decisive tool for the success of any hospitality industry, where quality of services translates into satisfaction. But traditional menu had managed to do it to a certain extent only. Digital menu boards are the state-of-the-art technology for hospitality industry which brings in great value to the business operation by expanding every limit and possibility. It has in fact redefined the meaning of menu altogether.

With this novel and interactive innovation, menu will now serve as the perfect appetizer for every diner. The high definition board of the digital menu allows showcasing of delicious visuals in a much more exotic way that it tickles the mind of every food lover. It has become the perfect medium to make every diner relish with their eyes, and eventually helps them indulge a little more. So, this can mean more impulsive indulgence as well.

Digital menu also allows endless customization that suits every need of both hotelier and diners alike. From the customer’s perspective, digital menu board offers all diners an easy and exciting experience of placing order. It gives every customer the leverage to know the exact ingredients as well as the recipe of the food they are ordering. And single touch order has only made it easier and exciting for them. Just a tap on the digital menu board and the order goes directly to the kitchen. What this means is that, understanding the order becomes easier, not for the waiter, but for the chef who gets to know the exact taste that his customer is craving for. On the other side, this also helps every waiter focus on serving better and attending more tables.

Waiting for the order is now made so entertaining with emenu. Every interactive menu can be so easily customized with endless features like music and video for those who love to catch up with the latest or their favourite numbers and clips. And for the little one and game lovers, all the popular games can keep them deeply engaged until the order is served. eMenu also ensures that youth do not miss out on the current trend of 24X7 social networking updates with its features like facebook and other social networking integration. Other features like writing notes about the favourite dishes and moments at the place only helps in making the experience all the more personal for the diner, and hence make them developed a bond with the particular place. This surely will be a delight to the hoteliers who are fond of developing more patrons.

Opening A Wedding Invitation Business Is Inexpensive And Easy To Do

If you’ve been thinking of opening a wedding invitation business, let me just say, Do It! It’s very easy to do and, depending on which way you decide to go with your business, the start up cost can be as little as a few hundred dollars.

There are three types of wedding invitation businesses. The first type, where you work as a manufacturer’s representative, is probably the least expensive in terms of start up costs, and also probably the easiest way to get into the business, especially if you’ve never had your own business before.

In this business model, you simply sell the manufacturer’s ready made cards, you act as their representative in your area. They provide you with samples and order forms, and there’s usually some type of training or support system in place to help you when you have questions. Although there may be some small investment required to get sample books from the manufacturers, you don’t have to invest in any stock or supplies with this method.

If you’ve never sold wedding invitations before, this is a good way to start. All the work is done for you. The invitations are already printed and packaged, the order forms are already created and the pricing is already set by the manufacturer. All you have to do is sell the invitations and you earn a commission for each sale from the manufacturer. This way, you can concentrate on learning how to run a business, and the ins and outs of selling wedding invitations, without investing any of your own money.

Another option you have is to sell Bespoke. These are invitations that you create yourself from card stock, pretty papers and embellishments like ribbons and pearls and flowers. This type of invitation business requires the largest investment of time and money, usually $1000 to $3000, but also has the largest profits because you can set your own prices. And if you’re the artistic type, you’re creations can command a very pretty penny. This business model, though, requires that you have more than a basic understanding of business because, since you’ll be making the invitations yourself, you’ll have to know how to control your costs and how much mark up to include in order to make your business run profitably.

The third type of wedding invitation business, which is the best method in my opinion, is the combined business. In this case, you sell sell pre-made blank wedding invitations and stationery, that you get from a supplier, and you finish it off on your home computer. With this method, you’re not working for a manufacturer, you’re purchasing the blank invitations from a supplier. The cards are already decorated on the outside, all you have to do is print inserts for the invitations and other assorted cards, and then put the inserts inside the invitations.

Opening a wedding invitation business that concentrates on selling the combined invitations is really the best way to go because you have very little initial investment, only the few blank cards that you want to start off carrying, and you get to set your own prices. While not quite as profitable as selling Bespoke, this method is more profitable than if you were a manufacturer’s agent.

Why Salary Administration Software Is Important In Business

In any business whether big or small, one of the vital functions you have in business is managing the human resources. Among such issues, you would certainly combat the human resource functions in managing the salary or payroll. The payroll or salary departments can be called as the backbone of any business whether it is big or small. These departments are smart enough in carrying out the business operations smoothly. The traditional payroll systems, which is often manual is really time consuming and hectic job. Any business organization with limited people can manage a manual payroll procedures but it is very much time consuming jobs and frustrating to run the payroll shop with the mismatches puzzle of different spreadsheets, which simply gets complicated as you see your business growing.

The need of a software solution for salary administration

The process of salary management is generally an error prone activity. If business organizations have limited amount of employees, it could seem relatively simpler to calculate salaries, taxes, outstanding amounts, etc, but as you keep on adding employees in any smaller organization, you end up spending more time on the payroll thing. The errors are inevitable, which are found in the full and final settlement and thus boost up when employees join the company in the middle of any term as the procedure goes manual. Hence, at the end, the businesses would find that without having the best system, your business would not grow as much as fast as planned.

Salary administration software program a blessing in disguise

So, with a salary administration software solution, you can empower the HR dept of both smaller and bigger size businesses in terms of complete operational efficiency. It simply helps in calculating the salaries including the statutory computations such as ESE, PF, reimbursements as per the norms, managing the employees muster details and the communications in terms of leaves and loans, etc. The second benefit to implements these software program is that these make working out the tax obligations very much simpler. Calculating the income tax is the other routine and can be called as a pain-staking job, which has to go as per the government norms and regulations. Any good software program can really help you in automating this task with greater amount of accuracy and efficiency.

The software solutions for higher efficiency

For a small or big business enterprise, the investment in software program meant to automate processes is critical in respect to benefits and cost. This is the reason, why it is vital to choose the right solution, which is not only simple to use, custom made to certain specific business situations, robust and scalable with a number of tools for producing software programs but also meet the needs and requirements of your expanding business. Most importantly, it must be able to streamline the entire process of payroll by making it less time consuming and flawless.

When Science is Applied to Advertising and Marketing

This is the third article in a series of the history of advertising and marketing. We pick up the story from when John E. Kennedy exited Lord and Thomas leaving Albert Lasker with the monumental task of replacing him.

1908 Kennedy must have been a hard act to follow.

But Lasker did replace him with a man who made an even greater overall contribution to the advertising world than Kennedy did.

Kennedys replacement was called Claude C. Hopkins.

And what a true pioneer he proved to be.

Hes the man who inaugurated free sampling, risk-free trials, money-back guarantees, market testing, and much more.

Hopkins agreed with Kennedy on the Salesmanship on Paper philosophy, but where Kennedy was a one idea man, Hopkins had many ideas.

Hopkins reckoned that just placing ads and seeing what happened was futile. Pure guesswork. He wanted to measure everything that he did.

And we should all be glad that he did.

Hopkins wrote only two books but both were classics. His first: Scientific Advertising written in 1923 contained manyof his secrets that he found with his testing techniques. These secrets are still as valid today.

His second book, written in 1927, was an autobiography called: My Life in Advertising. Many regard this as the best advertising book ever written.

All top marketers regard Hopkins first book as their copywriting how-to bible.

And the late advertising great, David Ogilvy, had this to say about Scientific Advertising: Nobody should be allowed to have anything to do with advertising until he has read Scientific Advertising seven times it completely changed my life.

Jay Abraham, known as Americas #1 marketing wizard, had this to say: Claude Hopkins is the master of them all. His influence has easily added over $6m to my personal income..and still counting.

Hopkins created ad campaigns for many major US companies that are still going strong today. Companies such as Palmolive, Pepsodent, and Quaker Oats.

One of his secret strategies for creating more turnover for his clients was that of pre-emptive strikes.

By this strategy, he used to tell a story of how things were done in an industry and thus educate the customers. Any competitor could have told the same story but didn’t. and whoever did so first, gained the edge.

Hopkins stated in his books that a large part of advertising done at the time was based on the concept of: “Buy My Product” or “Come into My Store.” Lots of advertisers today make this same mistake. Are you one of them?

Customers are not fooled by this. They want to know: “What’s in it for me?”

Hopkins knew this and used this psychology to grow Van Camp’s pork and bean business. After his research, Hopkins found that 94% of housewives were baking their own beans at home and only 6% were buying canned beans.

But Hopkins realized that everybody advertising canned beans merely stated: “Buy My Brand.” Nobody explained what the benefit of their product was.

Why Companies Prefer Business Centres For Conferences

Preference of a venue for conference, meetings and seminars are slowly shifting from hotel banquets to business centres. Last few years have witnessed that Indian companies have been opting for unique solutions provided by business centres for the office space and conferences.

A thorough insight of this trend has brought some reasons into light.

-Though hotels offer attractive interiors than business centres, they lack maintaining a business environment. Business centres are designed to meet the professional requirements of the companies. Hence, they maintain the environment accordingly. The company won”t have to take the pain of managing the space; furnishing, staffing, style formation of rooms, installing and the maintaining various facilities.

There is a business centre that provides conferencing solutions in New Delhi offers space for offices and conference in mountain fresh ambience. People tend to fall prey to various health hazards like headaches, dizziness, nausea etc while working because of poor indoor air quality. To ensure good health and better productivity this business centre has made some efforts to resolve this. The interiors are simple, classy and professional.

-Normally, business centres are strategically located, thereby offering a good chance of business growth and easy reach. For example, conference spaces in South Delhi are always high on demand when it comes to a conference space in Delhi as they are well connected with all the parts of Delhi NCR. Those located in the central part of Delhi also grab a lot of attention.

-Every business centre has a team of experts to look after the arrangements of conferences, meetings, interviews and seminars. Therefore, the headache of making arrangements with the help of own workforce and organizing it becomes zero.

Clients are offered with an array of styles to select from which is based on the number of attendees, types of conferences and other requirements. Other requirements may vary from welcoming the guests to food and beverage services. Often, clients select from a variety of services like secretarial, administrative, communication, executive offices etc and customize their package. Technical support with the power back-up too is provided by the serviced offices without a single failure. Flexibility and customization is at par.

A business centre works like a one-stop shop for all the conferencing requirements.

-There are many conferencing destinations that also offer space on hot-desking services in Delhi.

-In addition to this, many companies consider taking a space in a business centre as a matter of sophistication and an image-building exercise. Therefore, they prefer, business centres over hotels.

Every meeting, conference, seminar or training has an objective and if the arrangements are not flawless then it may become a flop show. Therefore, companies prefer organizing a conference in a serviced office or a business centre as the organizer gets a professional conference venue which serves the purpose and enhances the productivity of the event without crinkling a wrinkle.

Caterpillar Equipment Innovation

Caterpillar equipment has always been known to pave the way in
the industry when it comes to great new features and enhancements. In
2009, the demand for a powerful, maneuverable, fuel-efficient dozer was
met by the Caterpillar’s Cat D7E Track-Type Tractor. It’s greater fuel
economy, increased productivity, and lower lifetime service costs when
compared to other tractors in its class makes it a great choice for
anyone looking to purchase a quality used dozer.

Sporting a hybrid system which combines diesel and
electric power, the D7E is capable of moving more material per gallon of
fuel while costing less to service and maintain. The electric drive
system which was built exclusively for track-type tractor applications
was the first of a wide range of new drive technologies Caterpillar was
developing for use in heavy equipment. The D7E was subsequently
recognized with a Clean Air Excellence Award from the U.S. Environmental
Protection Agency for its contribution to improving air quality.

Lasting
twice as long as other tractors, the power train oil system takes 50
percent less oil. The Caterpillar D7E also eliminates extra moving parts
while cutting down on fuel consumption, helping to save on operating
costs considerably. With much fewer moving parts than a typical
mechanical drive system, there are fewer components to potentially break
down or wear out. They were also designed to last up to 50 percent
longer than its conventional drive system counterpart. There’s no
denying the benefits of such a fuel efficient and capable piece of heavy
machinery.

Caterpillar
also claimed that operating a D7E is smoother with the removal of gears
or clutches, and with the ability to make lock-track pivot turns. This
advanced maneuverability system was the first of its kind for its class
of equipment and makes operating the D7E more efficient than ever
before. Caterpillar’s innovation didn’t stop there, however. Despite its
hybrid system, the D7E is no slouch; it was even able to outperform
most other dozers even though it has less horsepower thanks to its
increased drive train efficiency. The D7E’s powerful electrical
generator is driven by a Cat C9.3 ACERT diesel engine rated at 235 net
horsepower.

Caterpillar’s ingenuity has clearly influenced its
competitors over the years by staying at the cutting edge of the
industry, continuing to provide reliable, innovative, and efficient
heavy equipment. The D7E was a great innovation in 2009 and continues to
be a smart choice to consider when looking for used heavy equipment
that can easily hold its own even on heavy duty jobs.

How To Start An Event Management Business Important Steps Of Achieving Success

Daydreaming about starting an event management business? Maybe you have already worked in the events industry and think about working for yourself. Or perhaps your organized meetings in the past and feel it your lifes passion. Both are good reasons for acquiring the profession.
Starting an event management business is similar to starting a relationship its required to possess appropriate skills and follow some important steps to achieve success.
Gain Event Management Skills and Experience
Scoring a success is based on event manager solid grasp, steady skills and experience:

Verbal and written communications

Organization and time management

Negotiation and budget management

Marketing, public relations and more

Determine Your Event Management Market
Lets say youve been working in the event industry for many years, know all ins and outs and eager to coordinate all kinds of events, from weddings to festivals.
Stop. This is a common mistake many event managers do. First of all, people have different energy levels and different capabilities. And, one cant be a master of all trades. Recognize that there are distinctive differences between corporate, association, nonprofit and social events. Determine your market accordingly. Its much easier to concentrate on a certain domain and become a professional.
Develop a Business Plan
Someone once said, “If you fail to plan, you should plan to fail”. Like everything else, starting an event management business requires a business plan. There are a couple of resources that can help you. For example, U.S. Small Business Administration publishes materials about writing business plans. You can find more with Google!
Obtain Business Insurance
Business insurance is mandatory. Event management business should secure general liability and other forms of insurance to protect the business owners interests.
Several forms of insurance exist. Speak to an insurance advisor to learn the requirements.
Develop Network of Suppliers and Staffing Resources
Event managers usually work with a wide range of suppliers communications consultant, stationery designer, promotional products distributor, party rental supplier, caterer, florist, photographer and more. You will also need the staffing resources for sales, marketing, accounting and administrative functions. Itll be necessary to establish an infrastructure that will support your events from all sides.
Establish Your Fee Structure
You should be conscious of the various ways to cover expenses and make a reasonable profit. Most event planners charge is based on the following:

Flat fee

Hourly rate

Percentage of expenses

Percentage of expenses plus hourly rate

Commissionable rate

Business Development and Marketing
With a prepared business plan, established fee structure and determined event manager market its time to begin working with marketing materials. Choose the right name for your business; create business cards, stationary, proposals, client agreements and a web-site.
Launching a web-site is an easy step with a turnkey solution like PG Events. Get more details at eventsoft.pro/overview.php