Investment – How’s, When’s and Where’s

The investment options in its broadest sense can be diversified into:

– Physical assets like real estate, gold/jewellery, commodities etc.

– Financial assets such as fixed deposits with banks, small saving instruments with post offices, insurance/provident/pension fund etc. or securities market related instruments like shares, bonds, debentures etc.

Now,for those of us having investments in the first category wont be reading this solely for the matter that they are much ahead of me in realizing their dream cos the first category of investment requires a fairly large capital to begin with:-(.But, for those for whom the first category is some years away and the second category seems all gibberish with jargon’s imported from the planet MARS, we shall ask MR.IT to help us enciphering the second category.I am not focusing on the first category for the reason i mentioned earlier though,with the realization of the second,we will be moving to first for sure:-)

Now,Financial assets,as they are called are the most popular tools in the market for the sole reason since they allow for comparatively lesser lump sums of investment money and also regular investment.But,they aren’t a piece of cake to understand.Are they?? I am still breaking my head over a lot of them:-) The financial assets can be further d emerged into 1.Debt Instruments 2.Equity & Equity Related Instruments Before we get into the details ,a point worth mentioning which i picked up from a very good   magazine  is that,the indulgence in these two instruments should be on a mixed basis to ensure capital gain as well as security.A generic approach suggests a 25%(debt) and 75%(equity) exposure ,but then these change according to one financial goals,age and obviously various factors which we will come across later.

Debt Instruments::: These are nothing but a glorified form of a savings bank account in more ways than one. The primary being that these are oriented protecting your capital and then, aim to maximize returns. In other words,they are virtually risk free but don’t aim at high returns.Most of these instruments earn a decent 10 odd % on the investment with pros and cons of their own.So,the investors(aren’t we all supposed to be addressed like this) with a low risk-appetite, this is the way to go.I am briefly discussing the few options available:

1.Post Office Savings: Post Office Monthly Income Scheme is a low risk saving instrument, which can be availed through any post office. It provides an interest rate of 8% per year,  which is paid monthly. Minimum amount, which can be invested, is Rs. 1,000/- and additional investment in multiples of 1,000/-.

2.Public Provident Fund: A long term savings instrument with a maturity of 15 years and interest payable at 8% per year compounded annually. A PPF account can be opened through a nationalized bank at anytime during the year and is open all through the year for depositing money. Tax benefits can be availed for the amount invested and interest accrued is tax-free.

3.Fixed Deposits with Banks are also referred to as term deposits and minimum investment period for bank FD is 30 days. Fixed Deposits can be considered for 6-12 months investment period.

This is just and insight into one of the very few commonly used debt instruments,which are available in the markets.Since,this form of investment is not my forte i will not divulging a lot into it.Though,i would love to clarify any doubts if one comes across.Any one willing to put their money in these instruments should take extreme caution and undergo a complete research before opting for any of these.



Source by Ankit Agarwal

The United Kingdom’s Fakenham, Norfolk

Located in the United Kingdom, Fakenham is a little marketing town in Norfolk. This small marketing town is centered between Norwich and Kings Lynn. Voted by the Country Life   Magazine , the town of Fakenham, was recently voted the 7th best place to live in the United Kingdom. Fakenham also boasts a popular Farmers Market, which takes place on the fourth Saturday of every month.

There are three supermarkets to choose from in Fakenham, two on the northeast side of town and the newest store in the Market Square, in Oak Street. Excellent foods and wonderful treats can be found at all locations.

Fakenham is said to be the Northern Gateway to the coast. Fakenham is well positioned as a great stepping point to discover the surrounding areas from. There is plenty to do in this small town for visitors to discover.

The small town has a vast amount of Pubs available to enjoy great food and wonderful drinks. If a visitor is so inclined they can also travel to nearby towns too. Garden houses and Bistrols align the narrow streets and when the outdoors is pleasant the local crowds spill out into the streets with song and dance. Live music fills the streets on the weekends.

Outside of town square of Fakenham is an old gasworks factory, which used to produced and sell gas made from coal during the early and late 1800s. The gasworks is the only surviving works that is intact in England and Wales. There is a museum showing the history of gasworks companies throughout the entire country.

Fakenham a fantastic place to view the countryside and excellent place for bird watching. Fakenham, Norfolk, built a racecourse in 2000 called the Prince Of Wales. This popular racecourse was the site of actual meetings held in the early 1900s. The racecourse has plenty of action occurring all year long.



Source by Simon Haughtone

Your Local Library is Your Friend

I was recently in my local library. It is a nice place – airy, light, quiet and generally a peaceful place to be. The staff are always polite and everyone seems to know what they are doing. I often go there.

There was a varied amount of activity. Some people were reading books, others a newspaper or   magazine . One chap was sleeping (he seemed unaware of anything around him). There was a gallery of local artists and my particular library is part of a wider complex which includes a theatre and coffee bar (and, of course, toilets).

It got me thinking, what I actually gain from this place. After all, isn’t everything done online – large, well-staffed institutions seem to be a bit archaic. I started to list the benefits of my local library:

  • a place to be quiet away from the kids / wife / dog / postman
  • a place to be able to use computers (yes, all libraries have them)
  • excellent staff – nothing is too much trouble
  • I can get any book from almost anywhere at almost no cost
  • huge and important reference works are available to me
  • I discover areas to research that I never knew possible
  • I can take books home (even ones that cost huge amounts)
  • I can print, scan and photocopy stuff

I could go on. I truly believe that most of us under-utilise our libraries. There is an amazing array of facilities on hand to use whenever we want (within reason).

Perhaps that is the main problem – my library is not open long enough.



Source by Dr. Mark Clayson

How SMS Marketing Could Benefit Your Business

The use of SMS marketing in B2C is becoming a popular way to advertise to consumers through their mobile phones. Businesses normally approach mobile phone providers to send off content using SMS (short message service) messages to mobiles. SMS texts can be received by all mobiles making SMS marketing extremely invasive but also effective. The key from a B2B perspective is to find the right balance and use this marketing channel in the right circumstances.

SMS marketing can also be sent through platforms capable of SMS broadcasting such as vMail. The areas where SMS can be of use vary greatly between industries. Mobile phone providers themselves use this method to encourage subscribers to upgrade their service and to let them know about seasonal promotions. People can also subscribe to SMS advertisements and promotions through their phone to receive SMS alerts whenever something new is posted from for example an online retailer.

The automation of parts of the sales cycle is one area where SMS marketing can help out at a B2B level. By allowing users to sign up for newsletters, competitions or updates through their phone, a business can reach audiences that might not engage through traditional marketing channels. By building a list of phone numbers, a company can begin to do promotions or update their target market on new items relevant to their audience. They can send out a mass text message to all the customers that have signed up on a certain date and are due for renewal of their contract.

SMS marketing can unlike billboards, television advertisements and magazine advertisements reach anyone wherever they are. Most people have their phones on them at all hours of the day and will check their phones if they receive an SMS message alert. This allows for a very quick response on campaigns. For example, Walls ice-cream teamed up with o2 very recently using SMS marketing combined with thermal mapping. Walls were able to send SMS messages to people that were in areas of a certain temperature.

One of the key components of an SMS campaign is that the person who is targeted must be able to opt out of the advertising or opt out of their subscription to the advertising. Usually this is done by sending a stop message the SMS. This stop code allows people to stop receiving these advertisements should they no longer want the product and it is a requirement for creating a SMS marketing campaign.

Many phone providers and SMS companies will allow small businesses to buy runs of SMS advertising. This is where a company can pay for just a short code or small run of advertising. SMS marketing can then be tailored for just about any budget and also targeted to phones based on local registration and local telephone service providers.

SMS marketing is a great tool that can be used to help businesses grow and extend the reach to alternative target markets, no matter where they are.



Source by Chris Harding

The Best Quilting DVD’s Available Online

There are not only quilting   magazines  and books, there are also loads of quilting DVD’s available for professionals and beginners alike. The DVD’s are packed with tips and hints as well as inspiring information. When you are joining block together you will hear quilter’s terminology uses such “I have begun my set” etc. by watching these DVD’s you will pick this up. You will also commonly hear “it is ready for the frames” which means they have completed joining the blocks together. Another frequent term is “I am on a third roll” which means the quilt has been rolled on a frame for the third time.

Once a quilt is ready for binding and has been removed from the frame they use the term “took out” and a completed quilt usually call for a celebrations. Like any type of art even quilter’s have their own terminology. There is an enormous amount of time and dedication put into making a quilt and many complexed designed quilts could take a round a year to complete.

No matter is you are a professional or a beginner you will find the right DVD. These DVD’s afford you an easy point and click method. The Quilt Design Wizard is the very latest step by step guide; and this wizard offer over 200 quilt blocks which are filled with staggering colored fabric designs as well as the layout being set out for you. You will be able to choose a block that will work well for you as the colors are already coordinated which allows you to become a pro the easy way.

By using the point and click method the design wizard allows you to designs quilt’s on your computer. The layout of your design is easy when you follow the step by step instructions, and the wizard also gives you the correct sizing. Due to the blocks being color coordinated you can chose a design that will work well for you. The wizard also gives you a list of materials needed for the project you have chosen.

In addition the wizard will do all the necessary calculations as well as scaling but using the point, click and print. These quilting DVD’s will provide the information you need from fabrics, patterns, buying the supplies, storing a quilt and assembling a quilt. The wizard will allow you to print piecing patterns as well as templates. Included are sewing instructions as well as cutting charts which include comprehensive instructions; and a completed design as well as the instructions can be printed immediately?

You will find something that will suit your needs no matter if you want a contemporary or traditional design. In addition the wizard allows you to experiment with the hundreds of different fabric variants and color combinations before you buy your fabric. There are also so many versatile layouts as well as borders to chose from.

The Quilting Wizard is truly an answer to all quilter’s prayers as this is one of the easiest and most comprehensive methods you will ever find when it comes to quilting. When it comes to experimenting with colors and fabric textures as well as designs these quilting DVD’s have been rated tops.



Source by Michelle Reynolds

The Fast Weight Loss Tricks Aren’t Really Easy Tips To Lose Weight

If you are trying to figure out what the best diets are, you’re in for a lot of research. Here are some common ones that cover the entire range:

  • Metabolic Syndrome Diet
  • Gluten Free Diet Weight Loss
  • Chromium Weight Loss
  • Fish Oil Weight Loss
  • Vegetarian Diet Plan For Weight Loss
  • Protein Diet For Weight Loss
  • The Glycemic Load Diet
  • Whey Protein Diet

You can see just a few of the diets out there, but which one is right for you? Take a trip to the market and see all the magazines writing about fast weight loss tricks and easy tips to lose weight.

Question: Why were the late 70’s and early 80’s such a significant time for the start of weight gain?

We were sold on “low-fat” foods helping us to lose weight. However, according to many studies, low-fat diets do very little to help you lose weight. Just look at how fat we are getting.

This is a perfect example of what I am talking about. A commercially produced diet dessert bar has only 160 calories. The problem is this encouraging you to keep eating sweet stuff.

There’s no doubt commercial diet companies have helped plenty of people lose weight, but for how long? It would be interesting to see those numbers.

Processed are sabotaging your weight reduction goals because you aren’t eating healthy food. You’ll never really change your eating pattern unless you focus on healthy foods.

In the end, most people don’t find low-fat foods to be satisfying or filling. So guess what? That’s right, they resort to junk food for that fix. That’s where the weight gain really starts showing up.

One of the most important things you can do is compare labels when you go to the supermarket. Just because something is coined “Lite” doesn’t mean it has less sugar.

In fact, if you look at salad dressing labels, you will find some shocking truths about the amount of sugar in some of your favorite “Lite” dressings.

Rather than looking for the Holy Grail of diets, focus on eating healthy snacks for weight loss. This will carry over into the rest of your eating habits over time.

You will definitely be challenged when you decide which diet plan is best for you. You can pretty much stop relying on fast weight loss tricks or easy tips to lose weight unless you are disciplined and plan on changing your habits for good.



Source by Ray Riechert

Article Writing Skills – How to Improve Them Dramatically

Anyone who is anyone will be using article marketing in their internet marketing campaign. If you want to have a competing edge, you will have to improve your writing skills constantly. It is a good idea to set aside some time for you to practice your writing speed.

First off, you should never let yourself become comfortable with your writing skills. You want to improve them every chance you get. This is because your productivity will solely depend on your skill level. The thing is, there are so many people out there trying to get ahead of the crowd with their article marketing. So, it is your job to make sure this does not happen. Also, make sure that you think outside the box when writing your articles. You want your readers to be impressed with what you have to offer them. So, learn from the experts in your field and find out what they do to capture the attention of their target audience.

The best thing that you could do to always improve your skills is to write on a regular basis. There is nothing that compares to consistent practice and hard work. There is no way that you can master something without doing it. So, I suggest that you write 2-3 articles a day to improve your existing skills.

One thing that you could do to improve your writing skills is to set up a schedule that you can follow every day. I suggest that you write first thing in the morning as your mind will be fresh and ready to go. Also, take a 15 minute break every 2 hours.



Source by AJ Simon

Planning For Wedding Designs

There are so many wedding designs and, you might find it very overwhelming just thinking about designs. It is paramount that you look for designs that are modern and those that will be pleasing to you. There are so many factors to think about and, you will find that the first thing you consider is the wedding designs for the invitation. Invitations are your very first contacts with guests and, it is vital for you to look for designs that will be just right for you. First, you want to achieve the kind of designs that will definitely turn heads. There is nothing more exciting than having the kind of designs that will make you feel good and comfortable. You have to know the kind of colors that will work great. The kind of thing you need to consider is the theme you are working with. Designs that are in harmony with the theme will definitely work great. Wedding invitations are crucial and, you have to plan for the kind of budget you want to work with. It is not about the amount of money you have; it is about the kind of designs you are willing to go with. Designs can be found in variety and, when you visit good invitations for wedding sites, you will be in a position to know exactly what you want.

Wedding designs for invitations will make a good impact for you in this regard. The other wedding designs you will need is on the venue and decorations. Decorations are very vital and there are different designs that keep on emerging. It is not about what is really out there but, how you want to modify or personalize it to achieve great results in this regard. When you are considering designs, you will discover that it is your ideas that will see you make things just the way you want them. The venue can be very tricky when it comes to design because many of the venues or locations are ready to go. All you will need to design is the decor. Let there be some form of focus when you are considering enhancing the venues. If you are at a garden, it is alright to go with how a venue has been designed naturally. There are so many things to learn about the venue design and you will find more information on sites dedicated to providing information on weddings.

Wedding designs for the dresses for the bridal party must be a signature to your wedding. You really need to take time and ensure that all the designs you choose will work perfectly for your site. It is pretty exciting to have all the necessary detail before you choose on the design you will want to go with. Modern designs can prove to be very expensive and, before you point on the dresses and shoes you want to go with, know the kind of budget you have. Above all, look for all the places that you can visit to find great designs at affordable prices. When it comes to designs for a wedding, you will need to be creative and you will definitely achieve what you want.



Source by Francis K Githinji

Trend Lab Diaper Bags Review

Trend Lab Diaper Bags and gifts is totally home grown. 100% owned by women in the USA this popular company began with adorable crib bedding and stylish Trend Lab baby bags knowing that Moms and Dads want a well furnished nursery. A major brand now because moms know what moms need, they have an entire line of products with a multitude of stylish and fun themes that complement the latest fashion trends.

What Trend Lab Diaper Bags Have Going For Them:

Design: For panache and flair, these baby bags are proud to carry diapers and baby bottles and don’t they let you know it! Bright, fun colors and designs.

Easy to Clean: We cannot stress this one enough. Fashionable is one thing, but how fashionable is a grubby bag holding baby’s used diapers? The cotton twill is totally drenched in PVC which allows Mom to keep baby’s things clean and sanitary easily.

Variety: Being given a choice is always a good thing. With three major sizes, shapes, and styles to choose from, there is no need to restrict your choice to just one bag fits all. Having a bag for long term, short term, and involved trips is more than just convenient. The variety allows you to keep your bags in shape better and for longer.

Stroller Straps: This feature is available for the larger Messenger bag and Bowling bag styles and is absolutely necessary. There is not one Mommy who wants to carry it all on her back alone, with no assistance. These baby bags are a blessing.

Changing Pad: To not have this would be potentially disastrous for your coat, car blanket, shawl or any other surface cover with which you had to substitute. Easy to clean and non-absorbable, it is a huge time and stress saver.

Price: We had to check twice on the price. That Trend Lab Diaper Bags are priced so low is fabulous. Fashionable and ever so practical, every Mom can afford them, not just the celebrity and fashion maven moms.

What Trend Lab Diaper Bags Could Do More:

Design: The designs are great for every day baby living, but for Moms that are on the go all the time and need to run from the park to the board room with the little one in tow, these baby bags are not as invisible as they could be. We would like to see them develop an elegant bag that the CEO Mommy could tote to the office and straight to the social event. If she needs to carry her laptop too, some additional reinforcement might be a good idea.

Dad User Friendly: The chocolate with blue messenger bag and colors similar is more Dad friendly than the pretty in pink Paisley Park Tulip Tote, but he may still feel like he is carrying Mom’s Mother Purse. More and more Dads are caring for their children on a regular basis so we feel they deserve styles that they will feel more comfortable carrying.

All in all, Trend Lab Diaper Bags has provided fun and practical baby bags for a remarkable price and are definitely worth every penny.  



Source by Cora Lee

A Cool Roof Makes for a Cool Home

Roofing materials can protect your home from the elements and cut energy costs. Homeowners usually look for innovative home cooling methods to keep their dwellings comfortable, while shaving a few dollars off their monthly electricity bill. This is especially true amid the summer months in scorching hot states like Utah and Arizona. While it occurs to most people that they can turn off their air conditioners when they run errands or go on vacation, or use fans that use less energy when the heat becomes bearable, scientific roofing technology can be a viable solution to keep you from sweltering during the summer.

Living Green   magazine  reports that traditional black roofs absorb light and heat from the sun, which is partly why densely populated city blocks can become profoundly uncomfortable places to live during a heat wave. One way to combat this is installing reflective roofing panels or coatings, which send sunbeams flying back into the atmosphere.

While profiling long-time roofing technology advocate, Clinton Administration energy policy adviser and Commissioner of the California Energy Commission Arthur H. Rosenfeld, Grist  magazine  goes into greater detail about the environmental benefits of reflective roofing. If less heat is being trapped on the Earth, the amount of greenhouse gases that get stuck in the atmosphere actually goes down, according to the source.

In a hypothetical scenario where all the cities in tropical or temperate areas converted the tops of buildings into white roofs, it would cut the world’s carbon emissions about as much as it would if the Earth contained 300 million fewer cars, reports Living Green.

Rosenfeld has championed energy-efficient roofing for energy conservation, as well as its capacity to reduce smog. But that feature may not be pertinent to people residing in suburban or rural areas where smog isn’t an issue.

That doesn’t mean advancements in roofing technology only apply to cities. Consider the roof of an Australian desert estate featured in Jetson Green. Not only is the roof white to keep the sun from pounding on the home, but it’s actually a second roof raised above the original. The elevation between the roofs creates a layer of air between the house and the sky’s blistering heat.

Either white reflective panels or white elastomeric coatings do the most effective job at redirecting sunlight, despite Living Green’s report that white roofs often aren’t aesthetically preferable for residential buildings. But scientists specializing in sunlight have figured out ways for roof paneling and coatings of darker hues to deflect heat, although not as thoroughly as white roofing.

The Cool Roof Rating Council reports that you could save up to 30 percent on summer utility bills with an energy efficient roof. So if you’re thinking about upgrading your home or would like to pay less for electricity during the summer, your local contracting company can give you information on the best cool roof technology for your structure.



Source by Jill Smith