Archive for February, 2011

Investment And Financial Risk

Monday, February 21st, 2011

All investments involve risk. I think it is an axiom which needs no proof. Political risks, economic downturns, natural disasters, defaults, and regional conflicts, accidents, yet no one could cancel. Therefore, any investment risk associated with a certain degree. By the risk of investments can be divided into three categories: conservative investments, investments average risk and high-risk investment. Conservative investment Conservative investments are connected with the least risk of losing money. Some of these investments available to the majority of the population.

By investing in such include a deposit in a bank, investing in real estate or government bonds. Percentage return on such investments is at the level of inflation in the country, or slightly above this level. That is, in most cases purpose of such investments is to maintain existing assets without much risk of loss or receive a minimum income to meet their own needs. For the development of such investments is not required too large set of financial knowledge. Most information is available from the well-known sources – newspapers, books, television, internet. For example, to put money into the pot enough to get information about the rating reliability of the bank, but when buying a property use the services of a large and reliable real estate agent. Investments average risk investments high risk associated with a significant enough risk losing money.

Such investments require a more in-depth knowledge of finance. These investments include shares and bonds of blue chips and second tier companies, investing in your own online business or in a network marketing business. Move on to such investments should be only after the development of conservative investments. This will allow you to look at many things are more sober view and avoid unnecessary nonsense. Profitability of such investments could reach up to 100 percent or more, but the risk is much higher than in conservative investments. You will need more time to further explore the field of investments. It is possible that funds will be needed to receive additional education. Income from these investments often allows the holder to live independently from the employer a way of life, and thus change the quality of the human life. High-risk investments high-risk investments are associated with greater risk of losing all your investment, but at the same time with a positive set of circumstances profitability of such investments may be a thousand percent or more. Move on to such investments should be only after the development of conservative investments and investments average risk. It is already necessary to complete understanding of business processes and all possible accidents and their consequences. Such investments are recommended to do with the already well developed on the basis of less risky investments intuition. You must have a sufficient supply of free tools that you can order at any time at your discretion. For example, a high-risk investments include contributions to its own new line of business, as well as contributions to the short-term high-yielding projects and share new young companies do not have their stories to the stock market. Invest in high-risk investments can only be so many resources, which in any manner not substantially affect the standards of your everyday life, there is no significant damage or loss you feel. That is, you have a supply of funds that you can take a risk and at the same time in your life will change nothing.

Where Is It Profitable To Invest?

Tuesday, February 15th, 2011

Stock market or investment off-plan? Assume an investment 50.000 in the stock market will bring an average return of 10 to 14%, ie, a maximum of 7.000. Of course, this is not a bad option of investing money. However, investing in the project off-plan, will bring at least 2 times more profit than the market. It is based on the fact that the investor purchases property at a price below its market value and receives in addition a special discount when buying more than 10 obektov.Investorsky package prices at the design stage, proposed today by Model Invest bring investor in today's market conditions, an immediate gain on completion of the project. Off Plan design allows you to take part in the project from the outset and gradually almost see the growth of their own profits. Based on experience developing and implementing investor model projects Invest, for a term 7-10 years cost of investment increases at least 2 times.

However, in the face of the current global financial crisis to calculate the exact income is difficult, so we start from the lowest of its borders. In addition, the Exchange at Essentially, the investor controls only its 50.000 , and by investing in off-plan – at least 100.000 asset. One can imagine that the developer offers you a "borrowed" half of the profit, ie 50.000 . Neither exchange company does not even lend you 1 for purchase securities. What is the meaning of selling off-plan? Purchase of property, which is yet to be built (off-plan project) is beneficial, primarily in terms of price.

Thus, the "off-plan" – is to buy at stage of architectural design, with an already issued the appropriate building permits. In the process of familiarization with the project, the Company Model Invest ready to provide all necessary legal and technical documents, such as: Proof of ownership of land (Tapu), a letter of guarantee from a bank, legal expertise of the company, guarantee certificate of the independent financial review, a formal statement of tax authorities, inventory control, City Hall and other registration organizations. The minimum initial contribution of investment to provide 10% profit after 24 months at least 60% -80%. And this, given that the total investor profits from investments in the planning stages is exempt from taxation.

Important Tips About Investment Funds In Case

Monday, February 14th, 2011

Well-known expression: "Money must work! 'And' Time is money -! 'Known to all. It is these expressions can be in the full sense of the word attributed to such concepts as 'investment'. Investments – this is inserting cash assets to multiply profits, where the key requirement is the presence of risk. Currently, there are so many types of investments: investments in fixed capital investment in unproductive assets, dolgosrochnyei Short-term investments, foreign, intellectual, kapitaloobrazuyuschie and so on. Among these all the above-described species distinguished two basic – direct and portfolio investments. To make it more understandable, it is necessary to bring interpretation of these concepts: Direct investment – it's their money directly to their owner in a variety of investment objects.

Portfolio investment – an investment of funds in various securities. Next, we consider more detail the difference between direct and portfolio investment. First and foremost it is important to note that portfolio investments are more liquid in comparison with straight lines. Thus, portfolio investments may be in quickly turn into any currency. Another equally important difference is that the direct investor is an active participant, ie has the right to vote in the management of a company in which he invested investment. A investor portfolio investment is a passive participant, ie it has no right to vote. Yet it should be noted that direct investment in most cases, the investor receives at least 10% of the company or enterprise. As Typically, the investor is chasing a blocking stake.

Naturally, you can get more profit in direct investment, but here there is no small risk. Safer is portfolio investment. Purchasing portfolio investment, you can choose one of the ways: Individually earn on the stock exchange. Work through the mutual fund (mutual fund). In option number 1, you may be able to get the most profits than the second. But there is also its biggest drawback – high entry barrier to the stock market. In this case, it does not take a lot cheaper procedures. If you are going to make a profit through a pif, the profits will be less as uif takes its commission for services rendered, but in this case you do not have to worry, because all the interesting action will be to acquire a mutual fund. In the end it is important to notice that in the case of investor risk aversion, appropriate option would be to place funds in a bank deposit.

How To Succeed At The Exchange, Investing In Real Estate In Moscow

Thursday, February 10th, 2011

An acquaintance who lives in Moscow, said recently: "Yes, if I knew that prices for apartments in Moscow will be so increased, then I would have sold, collected debts, and would have bought apartments. Today would be all sold out and would be a millionaire. " After watching the development of the stock of Russian companies since 1998, his eyes lit up even more. No, it was necessary to buy stocks rather than an apartment in the yard as we have today the year 2007. Prices for apartments in Moscow began gradually to decline, the yield the stock market does not seem much less obvious. Inviting a friend to buy shares today, he pointedly remarked: "No, it's too late. Now the prices will only fall.

"In the future growth of apartments in Moscow, he does not believe:" Well, no can cost so much – can not "I guess everyone decides for himself that the more important to him – the deposit in the bank, investments in equities or real estate. In this case, he risks himself and his money. At the same time there is an entire Cast analysts who predict the development of financial markets. However, some 'guru' manage from one year to make correct predictions. That "guru" remind us that this is the first to recommend they buy Dell shares in 1989 and selling them in 1999.

Savers who invested U.S. $ 5.000 then would possess a capital of 4.5 million dollars. Likewise can be said about the actions of Microsoft or Google. As it is not sad note, but the stars are only units, and most other experts and their expertise, just go into oblivion. Where did come from the "guru" who can accurately predict future earnings? In fact, everything is much simpler: in the financial world has dozens of thousands managers, who every year make their 'smart' forecasts. Suppose that half of the managers of profit and the other half of the losses. Using the laws of mathematical statistics can be calculated that after five years, all will still be 313 analysts, who would have been right with their forecasts. Even after ten years, for the financial markets is almost an eternity, it will be 10 managers, who by the laws of mathematical statistics were make correct predictions. Therefore, the important thing for a financial analyst – is to get to work in a large financial company, and at least a couple of years to guess the "correct" predictions. Old age, in this case is provided. Good luck in investing your money!

Investigations At Sites Draining

Wednesday, February 9th, 2011

Hydrogeological work and geotechnical testing when shooting are conducted to the extent necessary to justify the reclamation activities and the building structure reclamation system. The total area shooting must be grounded in technical regulations or program of research. Allowed to increase the area of photography compared to the reclaimed area of the object is not more than 1,8 times. It is mandatory to hold Preliminary desk work to assess the materials research of past years, area of study with the objective of the program or technical requirements. Geotechnical and hydrogeological research and studies on the drainage facilities are conducted to determine the causes of waterlogging and temporary excessive moisture, type of water supply in order to select the design decisions on how to drainage area and regulation of water regime. To justify the design solutions for land-reclamation should be examined following the main features of the object: – geomorphology (the structure of floodplains, terraces, valleys, basins, troughs drain; shape and area ratio of low and elevated stations, communications excess moisture from the morphological characteristics of the microrelief, the impact of micro-and macrorelief on waterlogging areas); – geotechnical (lithology and physical and mechanical properties of soils, especially nutrients (peat, sapropel)); – the nature and distribution of geological and engineering-geological processes – hydrological (availability, distribution and depth of aquifers, the hydraulic connection between them and among themselves and with surface water, balance and groundwater regime, their chemical composition, the amplitude of the fluctuations in groundwater level).

Field work must begin with a reconnaissance survey, during which identifies wetlands and redundant, wetlands, examined outcrops, landslide areas, distribution of karst, subsidence and other phenomena, the outputs of groundwater, ravines, etc. Block observations are carried out in two perpendicular directions, taking into account Stretch the major forms of relief, as well as along the river beds, lake and other natural drainage elements. In the process of engineering-geological survey should establish morphogenetic type of relief to which timed swampy land (slope, valleys, plains, etc.), identify the hazardous geological processes. If there are bailing on the territory of the ground-pressure power allowed additional exploration work, the composition and volume of which is justified in each case the program works (technical requirements). Cross-sections perpendicular to the wells should be scheduled during the main geomorphological elements – from the elevated grades (slopes, terraces, etc.) to the receiving water (river, marsh, lake) – a position of extreme well drained outside of the array on the slopes or local watersheds.

The distance between cross-sections should be taken from 500 to 700 m. Well on the alignment should be located at a distance of 300 to 500 meters depending on the geomorphological and geological and hydrogeological conditions. Other distances should be justified in the program or report on research. In the presence of at drainage systems, heavy soils underlain by impermeable, the wells should be drilled on the wing at a depth of 5 m. The number of additional wells in the complex engineering and hydrogeological survey shall not exceed 1.8 observation points (workings) of 1 km2 array drainage for pre-design study, and 2.7 points per 1 km2 array drainage for architectural and construction projects. Well depth is taken as a function of depth aquitard and its power. In case of a pressurized part of the supply wells (40% of the total) should be opened on the roof of the second surface of the aquifer. Depth of the wells should not exceed 35 m.