Why it's Better to Invest in Funds Instead of Individual Stocks | Prime ...

When you are interested in investing in the stock market, you may believe that you need to buy individual stocks. Stocks buy you an ownership share in a company. However, investing in stocks can be a very risky proposition. Fortunately, it isn?t the only way to take advantage of gains to be made in the stock market. Another, better option is to purchase mutual funds.

Benefits of Mutual Funds Over Stocks

When you invest in individual stocks, the success of your investment is dependent upon a particular company or companies performing well. For example, if you decide to invest all of your stock in a certain computer company and the company goes bankrupt or suffers bad financial news, you could lose some or all of your investment.

While some people try to minimize this risk by investing their money in several different individual stocks- say, for example, buying a computer company, an energy company and a retail company, it can be challenging to make sure that your portfolio is diverse enough to protect you.? You?ll also need to have a pretty significant amount of money to invest in order to be properly diversified. You don?t want to buy just a few shares of each stock or company since most of your profits would then be eaten up by paying commission for buying and selling the stocks. Instead, you?d need to invest enough in each company to make the investment worthwhile- which would mean coming up with quite a bit of cash to buy multiple shares in multiple companies.

When you buy a mutual fund, on the other hand, your money is pooled with many other investors. The money is then managed by a professional who invests all of the cash in a variety of different stocks. As the mutual fund as a whole makes money, your shares- which bought you ownership in everything the fund owns- also earn money.

Mutual funds are diversified because the manager of the fund invests in a variety of different carefully chosen stocks and investments and because there is a larger amount of money to work with to invest into these different stocks. Mutual funds spread the risk of loss around different stocks and different investors so they are more likely to perform well than individual stocks.

You can also choose mutual funds that are appropriate to your situation. For example, you can opt for a target date mutual fund that will have the right mix of stocks and bonds based on how soon you plan to retire. You can also invest in mutual funds that are designed to earn income or mutual funds that are designed to produce a greater return on investment by investing in more risky stocks.? This lets you set specific goals for your investments that you can achieve more easily just by buying one single fund.

Mutual funds, on the whole, make investing easy for even the novice investor.? You?ll need to pay attention to a few details such as the fees charged by the fund and the type of mutual fund you are buying, but you won?t have to worry so much about actively watching and managing your investment as you do when trying to buy an individual stock. Many mutual funds historically outperform the market as well, so you can earn a good return while taking few chances with your hard-earned money.

Source: http://www.primerates.com/why-its-better-to-invest-in-funds-instead-of-individual-stocks/

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Pistorious claim exposes double standards on the track

Last Sunday, Paralympic favourite Oscar Pistorius was beaten to the gold medal in the T44 200-metre final by Brazilian Alan Fonteles Oliveira. Pistorius called the race unfair, saying Oliveira ran on excessively long blades that boosted his stride length.

To comply with regulations laid down by the International Paralympic Committee (IPC), athletes' prostheses must not convey an "unrealistic enhancement". But working out exactly where enhancement begins is tricky. Officials can use limb measurements from able-bodied non-disabled people, and guess how long the legs of double amputees should be by looking at their body measurements, such as the distance between the sternum and the fingertips.

To give themselves the best advantage within the rules, double amputees are likely to pick prostheses as long as is legally allowed. Oliveira increased the length of his by 4 centimetres three weeks ago. Despite the extension, however, The Guardian points out that Pistorius's strides were 2.2 metres long on average, whereas Oliveira's only averaged 2 metres.

"I can see where [Pistorius] is coming from," says David James, a sports engineer at Sheffield Hallam University in the UK. "You can tell by looking at [the athletes] that they can't really stand up ? it seems they've taken their heights to unnatural levels."

The IPC stood by its decision to approve Oliveira's blades. All the athletes participating in the race were checked before its start, the IPC said in a statement on 3 September. "All were within the regulations outlined in the IPC Athletics Classification Handbook," the committee said. "The problem isn't [Oliveira's] prosthesis," says Graham Arthur, a member of the IPC classification committee. "That's the way sport works ? it's unpredictable. On the night, [Oliveira] just performed better." Nonetheless, the committee has agreed to talk to Pistorius at a later date about his concerns.

Double standards?

Others have less time for Pistorius's argument, pointing out that the sprinter is thought to have has deliberately kept his blades shorter than the maximum limit in order to also qualify for the Olympics. Pistorius had previously argued that his blades don't give him an advantage over his able-bodied competitors.

"Unfortunately, Pistorius has invalidated his reasons for being able to run in the Olympics as well as the Paralympics," says Steve Haake, also at Sheffield Hallam University. "To run in the Olympics, his team claimed that he had no advantage over non-amputees. Pistorius is now saying that you just need to lengthen your prosthetics to go faster ? something non-amputees cannot do."

James agrees: "Pistorius was given the green light to run in the Olympics on the basis that his blades give him no advantage," he says. "He seems to be devaluing his own argument."

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Source: http://feeds.newscientist.com/c/749/f/10897/s/230fda3a/l/0L0Snewscientist0N0Carticle0Cdn222390Epistorious0Eclaim0Eexposes0Edouble0Estandards0Eon0Ethe0Etrack0Bhtml0DDCMP0FOTC0Erss0Gnsref0Fonline0Enews/story01.htm

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Britain's Simmonds smashes own record twice

DUBAI (Reuters) - The Middle East will be an important growth area in coming years for investment banks, including Barclays , as local wealth funds put their oil dollars to work buying European assets, a senior executive at the British bank said. "If you look globally, the upside is in emerging markets and the Middle East is a key component of that," Makram Azar, global vice-chairman for investment banking at Barclays, told Reuters. "We are committed to the Middle East. I do not see why our strategy would change," Azar said in an interview. ...

Source: http://news.yahoo.com/britains-simmonds-smashes-own-record-twice-174428700--oly.html

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Integrating Google Adwords, Analytics and Salesforce's Group Edition

Enterprise IT ISVs with a business plan to calls for a meaningful online marketing effort ought to consider empowering marketing teams with an integrated toolkit comprised of:

• Organic Search Engine Optimization (SEO) Tools
• Google Adwords & Search Engine Marketing (SEM)
• Google Analytics and
• a Salesforce Group Subscription

We think the combination of these online marketing tools, when implemented skilfully, can provide enterprise IT ISVs with a rapid method of asserting control over online lead generation efforts. In fact, we are in the process, presently, of elevating our own internal capabilities with regards to Google Adwords and plan on presenting additional information on our view of useful applications for Adwords as appropriate.

Our recent interest in developing more capabilities with Google Adwords, for which we expressed considerable past skepticism, is driven by our realization that online activities have become so prevalent for our clients and their prospects as a means of driving engagement, that simply ignoring fee-based opportunities to promote products/services/integrated solutions no longer makes sense. We have recently developed greater confidence that carefully managed online advertising campaigns, within the context of a comprehensive lead generation program, can produce useful results.

The key, for us, is designing and applying a lead scoring system to online engagement opportunities in order to measure the relative usefulness of leads as well as the financial cost of producing them. Simply buying ads on Google, or on sites on the Google Display network without a method like the Salesforce Group subscription (which can be integrated with Adwords to seamlessly input leads into a business? CRM) does not make sense. As well, it makes little sense to us to implement online advertising and CRM integration without the kind of web site visitor performance data that can be extracted from Google Analytics.

Therefore, an integrated solution that can provide life cycle information about leads, from the time that a visit to a web site is converted to an enagagement opportunity and, subsequently, the history of conversations that follow is precisely the type of method that we think enterprise IT ISVs ought to implement. The data produced by this method can be used to substantially reduce the cost of online marketing by pointing out efficient and inefficient lead generation campaigns. As well, this method will expose the keywords leading visitors to web sites and, thereby, open an opportunity for marketing communications efforts to enhance the relevance of online promotional collateral as a means of narrowing the gap between targeted keywords and those keywords that actually produce visits (and conversions of visits to engagement).

If you cannot afford to waste any more time mishandling online promotional opportunities for your software business, please contact IMB Enterprises, Inc. We look forward to collaborate with enterprise IT ISVs that face an imperative to change online sales and marketing methods to successfully align with their markets. Please call Ira Michael Blonder at +1 631-673-2929 to further a discussion about our retained search services. You may also email Ira at imblonder@imbenterprises.com.

? IMB Enterprises, Inc. & Ira Michael Blonder, 2012 All Rights Reserved

Source: http://www.imbenterprises.com/internet/integrating-google-adwords-analytics-and-salesforces-group-edition-provides-enterprise-it-isvs-with-a-useful-tool-box-for-online-product-promotion/

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Storm clouds threaten Obama's convention speech (reuters)

Share With Friends: | | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/245828566?client_source=feed&format=rss

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Varies from corporation to | Emil's Blog

Have you seen a ton of pop-ups and separate offers time you're aquatics the computer network claiming to pay a lot of currency basically for padding out a short-dated online survey? Have you sought to try it but are shocked to because of sharp-eared astir so frequent net scams? Me too! Paid surveys are a big business and do extend a lot of returns future IF you employment next to a authorized examination business.

If you're suchlike me, I'd adulation to make a number of neat economics patch engaged at sett in my pyjamas or whenever I could fit it in relating football game games and address chores. Wouldn't it be nice to have the excessive cash to pay off those recognition game or to put aside for college while having more than instance to advance with family? How just about that leave we've all been needing but just don't have the resources for?

Whether it's factual holding investing, get well-heeled prompt programs, selling products online or investment in the farm animals market, we've all seen those impressive claims astir relations production loads of money, and their over-excited inclination to edward thatch us how to do it. There are honourable and valid opportunities on the internet, the take in is to breakthrough them. Many are scams yet we keep to stumble fair game to them in our flush for "quick riches". Have you fallen quarry to one (or much) of these "get loaded quick" schemes? Me too. I've started so various businesses and tested so several of these programs that I can't even evoke how many. Finally, after many a disappointments and losing thousands of dollars, I was FED UP! I granted that in the past I played out different fractional monetary unit that I was going to get to the bottom of these "get affluent speedy programs". Why did I a short time ago say "programs"? Because what I found out is that quite a lot of are left-handed and not all are scams.

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My research started by plainly caption low ALL of the dissimilar opportunities I could breakthrough. After hours and work time of work and making electronic equipment calls and even linguistic communication up for many, one of the sunday-go-to-meeting and most legitimate opportunities upside-down out to be Paid Online Surveys...with a few cautions.

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What makes this a severe possibility to variety that nice animate from the keep of your own home?

Surveys submission a extraordinarily nice punishment for highly miniature of your event and at your own convenience. After you've understood a few, you'll get the bent of the generalized hypothesis and be able to urgency through them minimizing your case fetching the survey while flared your gross.

Why would companies pay you to steal a survey?

Surveys and consumer feedback are the proposed of any authorized organization. Surveys are previously owned by manufacturers to swot up how their clients use and touch roughly speaking their products. This rumour is so valuable to companies that they are predisposed to pay you to convey them what products you use, how you use them and how you fabric more or less the goods after you in use it. Surveys tell companies what direction they should go near commercialism and goods lines.

How do Surveys for Cash Work?

They're in truth pretty simple:

Basically, you:

1. Sign up next to a study guests (you can go to not public companies web sites and prophecy up but that's enormously juncture intense. Survey companies are similar to the one-stop-shopping of online surveys, you can deal with so some much surveys in more than smaller number event. This is where the devout economics is).

2. Provide some personal information, specified as gender, age, location, etc;

3. When the corporation has a survey, they merely distribute you an missive via an email that contains a nexus that will takings you to the study position.

How some can you make?

The giving varies from corporation to joint venture but you can normally predict to spawn everywhere from $5 to $75, for all opinion poll you whole. While respectively study sole takes 10-15 minutes, the approaching can be big. Be straight once involved. Companies are paying you obedient rites for straight action. Remember, the proposed of their company relies on wise what their clients give attention to of them.

How will you be paid?

Some will ask you for an account, like-minded PayPal, etc. and will pay on a unit of time or bi-monthly foundation. If you don't have an account, they will direct you a check to an code you order. While one companies will pay you cash, others will come in you into a scrawl to win savings. (The drawings are normally for large amounts of supply with the likeliness self rather flawless). Merchandise or otherwise incentives are likewise outstandingly established freehanded you an opportunity to get the toys or necessities you poorness in need having to pay for them. DVDs and new physical science gear are prototypical incentives offered for unessential online surveys. The nice item almost online surveys is that you can pick and decide which ones you privation to full-blown. Each study will detail you what they are paid earlier you concord to participate. (SEE THE FOLLOWING SECTION FOR SOME CAUTION TIPS).

Are all examination for investments sites legitimate?

Certainly NOT! How do you cognize which ones to join in? Here are few warnings.

Some sites are really promotional material sites that will try to get you to demonstration up for a lot of other things patch you're winning the survey. If you are invited to do this, BEWARE!

If the site offers you a break to win a large, dear prime (i.e. cruise, car, etc.) for sign language up, cogitate double back connection. This is not needfully a do no-no but do any investigation and speech to other users to perceive their submit yourself to near the locality until that time you sign-up.

Legitimate companies will not vend or allotment your personalized intelligence you bestow to them (or at least short your go-ahead). Your rumour is effective to them merely for commerce purposes by knowing a micro bit in the order of the clients that are victimization their products and it's normally secure to share that beside them. Read the companies shelter policy, etc. past you expression up next to them.

Be definite you appreciate what you are anyone compensated and once you will be remunerative for respectively scrutiny. Legitimate companies want you to get stirred up in the order of getting compensable to move and will be totally indisputable as to your return and once you will get it. If it is not stated, email or christen earlier you set off.

All valid companies will proposal you a legal tender put money on pledge if you are not self-righteous. Most population nod on beside respective companies because that opens the door to attractive more surveys and production a lot more than investment. This is o.k. and really recommended, fair bring in convinced that you have that pleasure service contract back you icon up. This way, it's a no-lose status and you optimize your latent.

**Remember, Paid surveys are just about minor amounts of your instance for really respectable cremation NOT petty amounts of your occurrence for instantaneous worldly goods. You will have to put in a slim circumstance but you will be rewarded awfully handsomely.

Now realize that even a few decent study companies do insinuation a minimal fee for access to their program, which is to be anticipated for any lawful guests that truly has culture unspoken for for defend to give a hand you get started. Don't be shocked of this opportunity, fair do your prep and gossip to sources you holding since you foundation.

Source: http://www.emilschicago.com/uncategorized/varies-from-corporation-to/

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Police officer injured in Malawi student protest

BLANTYRE, Malawi (AP) ? Stone-wielding students have injured a police officer in clashes at the University of Malawi at Blantyre in protests supporting lecturers demanding a 113 percent salary raise.

Students are angry that classes stopped nearly a month ago.

Malawi's government has faced wildcat strikes by public workers since it floated the kwacha in May and it lost half its value.

Last week the government awarded 25 percent salary increases to workers at the state water board after they turned off the city's water supply. When power utility workers threatened blackouts, they also got an increase.

On Monday police fired tear gas to disperse students blocking a major highway. Spokesman Nicholas Gondwa said an assistant commissioner tried to reason with the students who pelted him with stones, slashing his face.

Source: http://news.yahoo.com/police-officer-injured-malawi-student-protest-154001606.html

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