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<title>Five Different Ways to Borrow Money</title>
<link>https://duyalanms.info/five-different-ways-to-borrow-money/</link>
<comments>https://duyalanms.info/five-different-ways-to-borrow-money/#comments</comments>
<pubDate>Tue, 18 Jul 2023 03:43:06 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Online payday loan]]></category>
<guid isPermaLink="false">http://duyalanms.info/?p=55</guid>
<description><![CDATA[Many ways exist to borrow money. If you are strapped for cash, here are five different ways to borrow money. Cash flow is a typical problem in many households. But sometimes the need for money becomes a little more demanding. … <a href="https://duyalanms.info/five-different-ways-to-borrow-money/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Many ways exist to borrow money. If you are strapped for cash, here are five different ways to borrow money. Cash flow is a typical problem in many households. But sometimes the need for money becomes a little more demanding. The car may need repairs, a utility comes up late, a medical need may arise, or any emergency of any kind can crop up.Immediate NeedsTaking a second job or putting in overtime may be a long-term solution, but if the need is pressing, that is not going to cut it. Anxiety over the cash need can cause sleepless nights or lack of focus on daytime activities. So, naturally, you begin to wonder where you can get the cash you need. The obvious answer is getting a loan. Then the question is: Where? Consider one or a combination of these five different ways to borrow money.ONE: Family or FriendsA friend or family member is not going to run a credit check on you. And they may not charge interest, though it would be nice to offer. Do not be timid, if your friend or family member seems to be doing okay financially, pluck up your courage and ask. It may not be a comfortable thing at first, but if you write everything down — payments expected and when, interest, if any, and a final payment date. Sign it. Doing these will make you and your friendly lender feel better about the situation. Do not default on such a loan, you do not want bad blood getting figured into what was once a wonderful relationship.TWO: EmployerTenure at a job with an understanding boss, could very well get you the money you need to get through a financially tight time. Allow the boss to take payments out of your future paychecks. Offer interest. Of express your desire to get the loan paid off in a couple of pay periods. Again, draw up and sign an informal contract.THREE: Pawn ShopA stigma is usually associated with dealing with a pawn shop, but that is silly. These are a perfectly legal and safe way to get cash when you are in a pinch. If you have something of value, call a pawn shop and see if they accept such items as security on your loan. The interest rate will be somewhat high to redeem your property, and the turn-around time may be quick, but this is a perfectly acceptable way to get your hands on cash fast.FOUR: Payday LoansDuring these tough financial times, payday or cash advance loans have become popular and there are many lenders in the market. Many can be found online. If you have a steady income and can prove it with pay stubs, you should be able to land a loan up to $1500. These lenders usually ask for your post-dated checks to repay the loan.FIVE: Personal LoansThese loans are called unsecured because they are not reliant on any valuable collateral. Only your signature is required. Repayment terms are somewhat more flexible than payday loans. These too can be had with limited documentation and funds can be in your bank account within 24 hours.Funds for AnxietySo, do not toss and turn at night or have your boss wondering where your mind is during the work day. Relieve your anxiety by researching these five ways to borrow money.
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<title>How a Virtual PBX Can Help Grow Your E-Commerce Business</title>
<link>https://duyalanms.info/how-a-virtual-pbx-can-help-grow-your-e-commerce-business/</link>
<comments>https://duyalanms.info/how-a-virtual-pbx-can-help-grow-your-e-commerce-business/#comments</comments>
<pubDate>Mon, 10 Jul 2023 00:39:54 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://duyalanms.info/?p=53</guid>
<description><![CDATA[Simply put, an e-commerce business relies on communication. Not surprisingly, in today’s age, communication management and efficiency is an important part of any business plan. Confusion, inefficiency and lost time and money resulting from a communication strategy that is not up … <a href="https://duyalanms.info/how-a-virtual-pbx-can-help-grow-your-e-commerce-business/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Simply put, an e-commerce business relies on communication. Not surprisingly, in today’s age, communication management and efficiency is an important part of any business plan. Confusion, inefficiency and lost time and money resulting from a communication strategy that is not up to par with today’s technology and market demands can weigh heavily on an e-commerce business’s profit margin and bottom line. From dealing with manufacturers to consumers on a daily basis, an e-commerce business depends on reliable, streamlined processes that help, not hinder, the transfer of information. New strategies that enable an e-commerce business to effectively manage and implement new models of communication are vital to gaining a competitive edge. A virtual PBX is a way in which e-commerce businesses can transfer information seamlessly and employ a reliable and flexible communication strategy.The need for reliable communication is not only present in dealing with consumers, but also manufacturers and suppliers. One challenge for an e-commerce business is the presence of multiple locations for sales, shipping, and support. The lines of communication often overlap and can become tangled quickly if a process is not clearly defined and centrally connected. To solve this problem, a virtual PBX phone system can facilitate and streamline internal and external corporate communications. Multiple locations can be connected to one central phone system, a virtual PBX, which allows callers to reach different locations off of the main menu, and transfers callers to different departments or locations while the customer is still on the phone. A virtual PBX can be extremely effective in managing calls for an e-commerce business by directing manufacturers to the appropriate customer service managers; leading sales representatives to the appropriate buyers and marketing teams; and putting customers in contact with service representatives that can properly and efficiently help them with their purchase.A second challenge for an e-commerce business is the fact that start-ups consistently juggle information from manufacturers and suppliers. Some of these pieces of information include inventory and stock updates; lead times and shipping estimates; consumer inquires and urgent requests; and product marketing updates, including new collections as well as new and dropped products. Untangling these lines of communication is a priority for any company that relies heavily on information management and communication. New strategies that implement a virtual PBX system, however, empower an e-commerce business to use tactics and technologies they have a foundation to build upon.A virtual PBX system takes information that an e-commerce business has in their database or file management systems and leverages that in automated recordings to let consumers know about limited-time discounts or unique promotional opportunities. In addition, automated recordings can be used to highlight particular brands or products, recently added lines, or new and updated products or product categories. The benefits for an e-commerce business are two-fold: first, by becoming more efficient by repurposing content that has already been created; and second, by saving time and money through the use of a virtual PBX to advertise instead of traditional channels that often deliver mixed results.A virtual PBX also simplifies communication, allowing for a better customer experience. Since it allows for multiple and specified extensions, this ensures that consumers are directed to the appropriate employees or departments. For a company building brand awareness and brand identity, ensuring a more simplified and user-friendly caller platform boosts customer retention rates and consumer loyalty. Including a toll free number with your virtual PBX can help eliminates arguments against trusting an online business because consumers see a company with a toll free number as more reliable and established. While some customers may be wary of doing business with online companies, a toll free number and virtual PBX system convey an image of trustworthiness. These elements often function to demonstrate that a business is established and professional.The heart of any sale is communication: between consumers and employees, and employees and manufacturers/suppliers. Making an efficient and streamlined communication strategy a part of an e-commerce business’s foundation can result in immediate dividends. From saving time and money associated with multiple locations and missed opportunities in misdirected calls to positively boosting brand awareness and loyalty, a virtual PBX phone system improves a company’s communication management. Ensuring that calls are routed to their intended destination, that customers are informed and targeted with discounts and available promotions, and the simplification of communications in general will help grow an e-commerce business faster than if these issues are not addressed. <a style="display:none;" target="_blank" href="http://kalipakem.com/">kalipakem.com</a>
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<title>Top 5 Reasons Why Is Fashion Important</title>
<link>https://duyalanms.info/top-5-reasons-why-is-fashion-important/</link>
<comments>https://duyalanms.info/top-5-reasons-why-is-fashion-important/#comments</comments>
<pubDate>Tue, 21 Mar 2023 09:41:34 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://duyalanms.info/?p=51</guid>
<description><![CDATA[In this article, we are going to take a look at some of the reasons why fashion is important. Before we get to the point, we should find out what fashion really is. In simple terms, fashion refers to the … <a href="https://duyalanms.info/top-5-reasons-why-is-fashion-important/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ In this article, we are going to take a look at some of the reasons why fashion is important. Before we get to the point, we should find out what fashion really is. In simple terms, fashion refers to the way you dress and style yourself. However, it has a lot of different aspects that include glamour and trends. This term is international and has a lot of religious and cultural connections.Different parts of the world have different fashion trends. As a matter of fact, fashion is the essence of our life. Fashion is influenced by our feelings and likes and dislikes. Since all of us feel differently about things around us, it affects the fashion trends.First of all, fashion is not about flashy designer outfits or buying expensive jewelry and makeup sets. Instead, it’s an absolute term that suggests that people have different perceptions about fashion. This is the reason there are many reasons why fashion is important. It does not make you look good but also defines your personality. Without further ado, let’s take a look at a few points that will help you understand the importance of the latest fashion trends.1. Fashion creates a Great First Impression You may have heard that the first impression is quite important, which is why we try to create the best first impression we can. Therefore, the first couple of seconds are quite important whenever you see someone for the first time. Apart from this, the way you put on jewelry, accessories, and outfits is quite important if you want to create a great impression on people you meet. So, this is the first reason to follow fashion.2. Fashion is a way of Self-ExpressionWe know that the essence of our life is art. Art helps you showcase the creativity inside you. When you follow art to express yourself, it helps create fashion trends. As a matter of fact, the things we create using our creativity can make a fashion statement. The thing is that fashion is all about looking for your inner strength and peace. The type of outfits you wear speaks volumes about your love for art and taste.3. Fashion helps you Bring out our Creative SideYou don’t have to become a fashion designer in order to trigger your creativity. All you need to do is choose designer outfits and a couple of matching accessories. The thing is that creativity is a byproduct of inspiration. Apart from this, fashion can help you get a deeper insight into your creativity.4. Fashion helps Boost your ConfidenceIf you want to boost your confidence level, fashion can help you. Fashion offers a lot of benefits. With the help of fashion trends, you can accomplish self-actualization. Regardless of what you wear, it should make you feel comfortable.5. Fashion rules the Entertainment Industry In the world of entertainment, fashion is the most important thing. As a matter of fact, whatever happens in the entertainment industry revolves around fashion. Every TV show and the movie revolves around fashion and drives the world of entertainment.So, these are 5 reasons why fashion is important in your life.
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<title>Credit Score Facts You Must Know – Discover a Dozen Critical Facts That Impact Your Credit Score!</title>
<link>https://duyalanms.info/credit-score-facts-you-must-know-discover-a-dozen-critical-facts-that-impact-your-credit-score/</link>
<comments>https://duyalanms.info/credit-score-facts-you-must-know-discover-a-dozen-critical-facts-that-impact-your-credit-score/#comments</comments>
<pubDate>Mon, 20 Mar 2023 14:19:54 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[Critical Credit Fact 1: You can boost your credit score and lower your personal debt if you establish separate credit from your spouse. Entrepreneurs in particular can benefit from this tip, which allows you to use your spouse’s credit when … <a href="https://duyalanms.info/credit-score-facts-you-must-know-discover-a-dozen-critical-facts-that-impact-your-credit-score/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Critical Credit Fact 1: You can boost your credit score and lower your personal debt if you establish separate credit from your spouse. Entrepreneurs in particular can benefit from this tip, which allows you to use your spouse’s credit when applying for a loan or line of credit. It works like this – When applying for credit, transfer high credit card balances to your spouse’s credit cards. As your outstanding debt is lowered, your credit score will increase, which makes you look like a more favorable candidate for the loan. Of course you will have to return the favor if your spouse ever needs a quick credit score increase.Critical Credit Fact 2:A lackluster credit score may mean higher auto insurance premiums. You probably already know that people with bad credit are likely to have high interest rates on their credit cards, mortgages, and car loans. But you probably didn’t know that bad credit means that in most states your auto insurance premiums are higher, yet another reason those three little numbers can have a six-digit impact on your life!Critical Credit Fact 3:4 out of 5 people have at least one error on their credit reports. According to a U.S. Public Interest Research Group survey, almost 80 percent of people have errors on their credit reports, 25 percent of which are serious enough to cause a person to be turned down for a job or loan.Critical Credit Fact 4:Perhaps the most common (and among the most damaging) error on a credit report is a duplicate collection notice. If you notice more than one collection agency reporting your account to the credit bureaus, you should work quickly to have this removed. Accounts that have been turned over for collection are often sold by one collection company to another. As a result, your outstanding debt will be listed multiple times.Keep in mind that when a bill is turned over the collection, it will appear twice on your credit report: 1) the original creditor will keep the account on your credit report, noting the delinquent payment history and that the account has been turned over for collection; 2) as well, the collection agency responsible for collecting the debt will list the account. However, if multiple collection agencies are reporting that they are collecting on the same account, demand that the duplicate entries be removedCritical Credit Fact 5:Collection accounts only minimally hurt your credit after two years, and after four years, the damage is all but erased. After seven years, a collection account is wiped from your report.Critical Credit Fact 6: You should always apply for credit using the same first, middle, and last name. For instance, if your name is Robert Michael Jones, Jr., you shouldn’t apply as Bob M. Jones, Jr., or any of the other variations of your name. Pick one name and stick with it, or risk having your credit information divided among the various names. Worse yet, it could be merged with another person’s information (for instance, if you are Robert Michael Jones, Jr., and your father is Robert Michael Jones, the credit bureaus might combine your files if you do not use “Jr.” when applying for credit).That said – if you changed your last name upon marrying, start applying for credit under your new name. It might hurt your credit minimally, but the damage will be temporary; the new last name is forever.Critical Credit Fact 7:Purchasing a car, furniture, a computer, or other large household appliance through an installment loan might help your credit. An installment loan is a purchase agreement whereby the borrower repays the loan in equal periodic payments. Having an installment loan is one of the fastest ways to increase your credit score. If you don’t have an installment loan, consider asking your local bank for a small loan ($1,000) secured by your existing car, or purchase your next computer or household appliance through an installment loan.Many furniture stores also offer installment loans, but shoppers should be aware that it is sometimes difficult to determine whether they are purchasing items through an installment loan or a retail account. Be sure to ask.Critical Credit Fact 8:A single late payment on one card can affect the interest rates on all of your credit cards. Many borrowers are surprised to learn about the Universal Default Clause, a small-print item you probably agreed to when applying for your most recent credit card. The Universal Default Clause allows credit card companies to charge you a 29.9 percent interest rate (or higher) if you ever make a late payment on any one credit card, even if that card isn’t issued by that company. Credit card companies periodically pull your credit report and raise your interest rate based on the history of other accounts your maintain. Credit card companies say that they believe your behavior on one credit card might be the same on all credit cards.Critical Credit Fact 9:Closing your credit cards could hurt your score, and it will almost never help your score. Because the length of time you have had credit affects about 15 percent of your credit score, closing a credit account will lower the average age of your accounts. Allowing credit cards to become inactive also hurts your score. Use credits at least once a month, and keep them open!Critical Credit Fact 10: Your score will not harmed by inquiries into your own credit report. If you request your own credit score, the inquiry will show up as a soft inquiry. Unlike hard inquiries (those pulled by potential lenders as a way to determine whether they should approve a loan or credit application), soft inquiries do not affect your credit score.Critical Credit Fact 11:If your credit score is high enough, some lenders won’t consider your salary before giving you the lowest available interest rate. Indeed, your credit score is perhaps the most important factor in determining whether lenders approve your credit card application, mortgage loan, or car loan. It matters more than your annual salary and much, much more than your net worth.Critical Credit Fact 12:Walt Disney and Mark Twain both claimed bankruptcy. Bad credit happens to all types of people. The true test of character and responsibility is how a person deals with bad credit. Do not ignore it, hope it disappears and bury your head in the sand? Or do you jump in, learn how to fix your mistakes and move forward?You credit score can have a significant impact on your life – It is your financial reputation. A credit score below 720 makes you a higher credit risk to lenders and creditors. On the other hand, a credit score of 720 or greater in most cases automatically qualifies you for the very best loans, deals and credit at the lowest interest rates. Knowing the facts can make a huge difference in how you decide to pursue the path to excellent credit health.
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<title>A New Way to Invest in Property</title>
<link>https://duyalanms.info/a-new-way-to-invest-in-property/</link>
<comments>https://duyalanms.info/a-new-way-to-invest-in-property/#comments</comments>
<pubDate>Mon, 20 Mar 2023 12:37:20 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://duyalanms.info/?p=46</guid>
<description><![CDATA[The two most frequently asked questions by investors are:What investment should I buy? Is now the right time to buy it?Most people want to know how to spot the right investment at the right time, because they believe that is … <a href="https://duyalanms.info/a-new-way-to-invest-in-property/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ The two most frequently asked questions by investors are:What investment should I buy? 
Is now the right time to buy it?Most people want to know how to spot the right investment at the right time, because they believe that is the key to successful investing. Let me tell you that is far from the truth: even if you could get the answers to those questions right, you would only have a 50% chance to make your investment successful. Let me explain.There are two key influencers that can lead to the success or failure of any investment:External factors: these are the markets and investment performance in general. For example:
The likely performance of that particular investment over time; 
Whether that market will go up or down, and when it will change from one direction to another. 
Internal factors: these are the investor’s own preference, experience and capacity. For example: 
Which investment you have more affinity with and have a track record of making good money in; 
What capacity you have to hold on to an investment during bad times; 
What tax advantages do you have which can help manage cash flow; 
What level of risk you can tolerate without tending to make panic decisions.When we are looking at any particular investment, we can’t simply look at the charts or research reports to decide what to invest and when to invest, we need to look at ourselves and find out what works for us as an individual.Let’s look at a few examples to demonstrate my viewpoint here. These can show you why investment theories often don’t work in real life because they are an analysis of the external factors, and investors can usually make or break these theories themselves due to their individual differences (i.e. internal factors).Example 1: Pick the best investment at the time.Most investment advisors I have seen make an assumption that if the investment performs well, then any investor can definitely make good money out of it. In other words, the external factors alone determine the return.I beg to differ. Consider these for example:Have you ever heard of an instance where two property investors bought identical properties side by side in the same street at the same time? One makes good money in rent with a good tenant and sells it at a good profit later; the other has much lower rent with a bad tenant and sells it at a loss later. They can be both using the same property management agent, the same selling agent, the same bank for finance, and getting the same advice from the same investment advisor.
You may have also seen share investors who bought the same shares at the same time, one is forced to sell theirs at a loss due to personal circumstances and the other sells them for a profit at a better time. 
I have even seen the same builder building 5 identical houses side by side for 5 investors. One took 6 months longer to build than the other 4, and he ended up having to sell it at the wrong time due to personal cash flow pressures whereas others are doing much better financially.What is the sole difference in the above cases? The investors themselves (i.e. the internal factors).Over the years I have reviewed the financial positions of a few thousand investors personally. When people ask me what investment they should get into at any particular moment, they expect me to compare shares, properties, and other asset classes to advise them how to allocate their money.My answer to them is to always ask them to go back over their track record first. I would ask them to list down all the investments they have ever made: cash, shares, options, futures, properties, property development, property renovation, etc. and ask them to tell me which one made them the most money and which one didn’t. Then I suggest to them to stick to the winners and cut the losers. In other words, I tell them to invest more in what has made them good money in the past and stop investing in what has not made them any money in the past (assuming their money will get a 5% return per year sitting in the bank, they need to at least beat that when doing the comparison).If you take time to do that exercise for yourself, you will very quickly discover your favourite investment to invest in, so that you can concentrate your resources on getting the best return rather than allocating any of them to the losers.You may ask for my rationale in choosing investments this way rather than looking at the theories of diversification or portfolio management, like most others do. I simply believe the law of nature governs many things beyond our scientific understanding; and it is not smart to go against the law of nature.For example, have you ever noticed that sardines swim together in the ocean? And similarly so do the sharks. In a natural forest, similar trees grow together too. This is the idea that similar things attract each other as they have affinity with each other.You can look around at the people you know. The people you like to spend more time with are probably people who are in some ways similar to you.It seems that there is a law of affinity at work that says that similar things beget similar things; whether they are animals, trees, rocks or humans. Why do you think there would be any difference between an investor and their investments?So in my opinion, the question is not necessarily about which investment works. Rather it is about which investment works for you.If you have affinity with properties, properties are likely to be attracted to you. If you have affinity with shares, shares are likely to be attracted to you. If you have affinity with good cash flow, good cash flow is likely to be attracted to you. If you have affinity with good capital gain, good capital growth is likely to be attracted to you (but not necessary good cash flow ).You can improve your affinity with anything to a degree by spending more time and effort on it, but there are things that you naturally have affinity with. These are the things you should go with as they are effortless for you. Can you imagine the effort required for a shark to work on himself to become sardine-like or vice versa?One of the reasons why our company has spent a lot of time lately to work on our client’s cash flow management, is because if our clients have low affinity with their own family cash flow, they are unlikely to have good cash flow with their investment properties. Remember, it is a natural law that similar things beget similar things. Investors who have poor cash flow management at home, usually end up with investments (or businesses) with poor cash flow.Have you ever wondered why the world’s greatest investors, such as Warren Buffet, tend only to invest in a few very concentrated areas they have great affinity with? While he has more money than most of us and could afford to diversify into many different things, he sticks to only the few things that he has successfully made his money from in the past and cut off the ones which didn’t (such as the airline business).What if you haven’t done any investing and you have no track record to go by? In this case I would suggest you first look at your parents’ track record in investing. The chances are you are somehow similar to your parents (even when you don’t like to admit it ). If you think your parents never invested in anything successfully, then look at whether they have done well with their family home. Alternatively you will need to do your own testing to find out what works for you.Obviously there will be exceptions to this rule. Ultimately your results will be the only judge for what investment works for you.Example 2: Picking the bottom of the market to invest.When the news in any market is not positive, many investors automatically go into a “waiting mode”. What are they waiting for? The market to bottom out! This is because they believe investing is about buying low and selling high – pretty simple right? But why do most people fail to do even that?Here are a few reasons:When investors have the money to invest safely in a market, that market may not be at its bottom yet, so they choose to wait. By the time the market hits the bottom; their money has already been taken up by other things, as money rarely sits still. If it is not going to some sort of investment, it will tend to go to expenses or other silly things such as get-rich-quick scheme, repairs and other “life dramas”.
Investors who are used to waiting for when the market is not very positive before they act are usually driven either by a fear of losing money or the greed of gaining more. Let’s look at the impact of each of them: 
If their behaviour was due to the fear of losing money, they are less likely to get into the market when it hits rock bottom as you can imagine how bad the news would be then. If they couldn’t act when the news was less negative, how do you expect them to have the courage to act when it is really negative? So usually they miss out on the bottom anyway. 
If their behaviour was driven by the greed of hoping to make more money on the way up when it reaches the bottom, they are more likely to find other “get-rich-quick schemes” to put their money in before the market hits the bottom, by the time the market hits the bottom, their money won’t be around to invest. Hence you would notice that the get-rich-quick schemes are usually heavily promoted during a time of negative market sentiment as they can easily capture money from this type of investor.
Very often, something negative begets something else negative. People who are fearful to get into the market when their capacity allows them to do so, will spend most of their time looking at all the bad news to confirm their decision. Not only they will miss the bottom, but they are likely to also miss the opportunities on the way up as well, because they see any market upward movement as a preparation for a further and bigger dive the next day.Hence it is my observation that most people who are too fearful or too greedy to get into the market during a slow market have rarely been able to benefit financially from waiting. They usually end up getting into the market after it has had its bull run for far too long when there is very little negative news left. But that is actually often the time when things are over-valued, so they get into the market then, and get slaughtered on the way down.So my advice to our clients is to first start from your internal factors, check your own track records and financial viability to invest. Decide whether you are in a position to invest safely, regardless of the external factors (i.e. the market):If the answer is yes, then go to the market and find the best value you can find at that time;
If the answer is no, then wait.Unfortunately, most investors do it the other way around. They tend to let the market (an external factor) decide what they should do, regardless of their own situation, and they end up wasting time and resources within their capacity.I hope, from the above 2 examples, that you can see that investing is not necessarily about picking the right investment and the right market timing, but it is more about picking the investment that works for you and sticking to your own investment timetable, within your own capacity.A new way to invest in propertiesDuring a consultation last month with a client who has been with us for 6 years, I suddenly realised they didn’t know anything about our Property Advisory Service which has been around since April 2010. I thought I’d better fix this oversight and explain what it is and why it is unique and unprecedented in Australia.But before I do, I would like to give you some data you simply don’t get from investment books and seminars, so you can see where I am coming from.Over the last 10 years of running a mortgage business for property investors:We have executed more than 7,000 individual investment mortgages with around 60 different lenders;
Myself and our mortgage team have reviewed the financial positions of approximately 6,000 individual property investors and developers; 
I have enjoyed privileged access to vital data including the original purchase price, value of property improvements and the current valuation of close to 30,000 individual investment properties all around Australia from our considerable client base.When you have such a large sample size to do your research on and make observations, you are bound to discover something unknown to most people.I have discovered many things that may surprise you as much as they surprised me, some of which are against conventional wisdom:Paying more tax can be financially good for you.This one took me years to swallow, but I can’t deny the facts. The clients who have managed to get into a positive cashflow position have paid a lot of tax and will continue to pay a lot of tax, whether it is capital gains, income tax or stamp duty. They don’t have an issue with the tax man making some money as long as they continue to make more themselves! They regularly cash in the profits from their properties and reduce their debt, but always continue to invest and park their money where the return is best. In fact, I can almost say that the only people who enjoy positive cashflow from their investment properties are the people who have little concern about paying taxes as they treat them as the cost of doing business.Just about every property strategy works. It just depends on who does it, how it is done, when it is done and where it is done.When I first started investing, I went and read many property investment books and attended many investment educational seminars. Just about every one of them was convincing and this confused the hell out of me. Just when I was about to form an opinion against a particular property strategy, someone would show up in one of my client consultations and prove that it worked for them!After testing many of these strategies myself, I came to realise that it is not about the strategy,(which is only a tool) but rather it is about whether the person is using the tool appropriately at the right time, in the right place and in the right way.There is no such thing as the best suburb to invest in, forever.If you randomly pick a particular property in what you think is the best suburb over a 30 year window, you will find that there are periods during which this property will outperform the market average, and there are periods when this property will underperform the market average.Many property investors find themselves jumping into historically high growth suburbs at the end of the period when it is outperforming the average, and then stay there for 5-7 years during the underperforming period. (Naturally this can taint their view of property investing as a whole!)There is no such thing as the worst suburb to invest in, forever.If you pick a property in the worst suburb you can think of from 40 years ago, and pitch that against the best suburb you can think of over the same period of time, you will find they both grew at about 7-9% a year on average over the long-term.Hence in the 1960s, a median house in Melbourne and Sydney was valued at $10k. The worst property around that time may have been 30% of the median price for then, which was say about $3k. Today, the median house price in these cities is about $600k. The worst suburb you can find is still around 30% of that price which is say $200k a house. If you believe a bad suburb will never grow, then show me where you can find a house today in these cities, that is still worth around $3k.Median Price growth is very misleading.Many beginner property investors look at median price growth as the guidance for suburb selection. A few points worth mentioning on median price are:We understand the way median price is calculated as the middle price point based on the number of sales during a period. We can talk about the median price for a particular suburb on a particular day, week, month, year, or even longer. So an influx of new stocks or low sales volume can severely distort the median price.In an older suburb, median price growth tends to be higher than it really is. This is because it does not reflect the large sum of money people put into renovating their properties nor does it reflect the subdivision of large blocks of land into multiple dwellings which can be a substantial percentage of the entire suburb.In a newer suburb, median price growth tend to be lower than it really is. This is because it does not reflect the fact that the land and buildings are both getting smaller. For example, you could buy a block of land of 650 square metres for $120k in 2006 in a newer suburb of Melbourne, but 5 years later, half the size block (i.e.325 square metres) will cost you $260k. That’s a whopping 34% annual growth rate per year for 5 years, but median price growth will never reflect that, as median prices today are calculated on much smaller properties.Median price growth takes away people’s focus from looking at the cost of carrying the property. When you have a net 2-3% rental yield against interest rates of 7-8%, you are out-of-pocket by 5% a year. This is not including the money you have to put in to fix and maintain your property from time to time.Buying and holding the same property forever doesn’t give you the best returns on your money.The longer you hold a property, the more likely you will achieve an average growth of 7-9%. But you will be bound to hit periods where your property outperforms the 7-9% growth and periods where it under performs the 7-9% growth.The longer you hold a property, if its growth is at or above average, the lower its rental yields will become.The longer you hold a property, the higher the capital gains tax you will need to pay when you sell, and the less likely you will be able to sell it.The longer you hold a property, the more likely there will be a need for an expensive upgrade of the property.The longer you hold a property, the more likely you will forget which part of the equity actually belongs to the tax man, AND the more likely you will be to try to leverage the equity that doesn’t belong to you. This can get you into a negative equity position with a negative cashflow forever, unless you have proper financial guidance.
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<title>Business and Industry in Coventry</title>
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<pubDate>Sun, 05 Feb 2023 03:23:55 +0000</pubDate>
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<description><![CDATA[During World War II in the middle of the 20th century Coventry had the dubious honour of being the UKs third most bombed city after London and Plymouth. The reason that Coventry was so heavily targeted during the war was … <a href="https://duyalanms.info/business-and-industry-in-coventry/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ During World War II in the middle of the 20th century Coventry had the dubious honour of being the UKs third most bombed city after London and Plymouth. The reason that Coventry was so heavily targeted during the war was its industrial base in munitions and military vehicle production. Sadly, as with so many other UK cities, that industrial production base has virtually disappeared leaving only a few truly industrial scale companies operating in the city. Having played an important role in the UK motor industry for many decades with such illustrious names as: Hillman, Standard, Rolls Royce and Triumph – cars, motor-bikes and pedal cycles. Coventry now only produces vehicles for niche markets following the recent closure of the French owned Peugeot car production plant at Ryton. Coventry city council is currently securing inward investment to attract new businesses to replace those that have disappeared or are in decline.Car production does continue in Coventry, although for how long is a matter of much speculation. Although currently owned by the Ford Motor Company, Jaguar has its corporate headquarters in a production facility at its Browns Lane site in Allesley. Since opening in 1941 it has become the main veneer production plant for Jaguar cars, as well as having its head offices and heritage centre. At nearby Whitley is the Jaguar Design, Research & Development Centre, where all the companies engineering work is carried out. In total, Jaguar employs over 2500 people in the city. Ford Motor Company is currently trying to sell off Jaguar, in order to clear other company debts. One of the most familiar sites in all major UK towns and cities is the famous black cab or Hackney taxis. These are made by the LTI company who are based at Holyhead Road in Coventry. LTI have been making taxis for sixty years, in which time over 100,000 have rolled off their production line. LTI employs nearly 500 people at its production plant, making it a significant employer in the city. Formed by the amalgamation of two companies and now owned by AGCO, Massey-Ferguson is one of the best known manufacturers of farm tractors in the world. They began making tractors in Coventry in the early 1950s and now have their headquarters in Stoneleigh, near Kenilworth. The company now makes tractors and a range of combine harvesters and quad bikes.Ericssons is a telecommunications company with premises in the New Century Park, not far from the city centre. Having subsumed the former Marconi and GPT works in the city, it now employs over 2000 people, manufacturing and engineering networking and switching gear for international telecommunications clients. Another international telecommunications company – Cable and Wireless – has its UK training centre in the business park at Warwick University, on the outskirts of the Coventry. The headquarters for Dunlop Aerospace are located in Coventry to the north of the city near the M6 junction 3 at Longford. Where it not only manufactures aerospace braking systems but also designs and markets them. It currently has contracts for braking systems to BAE, Lockheed-Martin and the Airbus A380 aeroplanes.Along with many other cities that have seen their manufacturing base eroded over recent years, Coventry has attracted some service industries to the area to provide alternative jobs. Being very close to the centre of England and having excellent motorway links to the rest of the country, Coventry has become a major distribution centre for many delivery and courier companies. Parcel Force has its national depot at Coventry whilst TNT, DHL, ANC and UPS all have depots in the city employing several hundred people in all.Coventry has a long association with the textiles industry, particularly wool and silk, dating back to medieval times. Whilst several small textiles companies remain in Coventry it is currently best known for its Courtaulds factory and the development the Grafil carbon-fibre that is used in sports and automotive equipment and Tencel – the cellulose fibre made from wood-pulp.As well as the textiles industry, Coventry was, up to the mid 19th century, the centre of watch-making in the UK. During its heyday in the early 1800s it employed over 75,000 people and was making 200,000 watches a year. As the century progressed watch making declined, the market becoming flooded with imports from the USA, until by the turn of the century the trade had all but ceased. Many workers went on to find employment in the rapidly developing bicycle manufacturing businesses, which at his time employed nearly 40,000 people in Coventry alone. In time some of these workers quite probably went on to become the founding workers in the new motor car industry. By 1910 there were dozens of car manufacturers in Coventry, with long forgotten names like: Iden, Centaur and Aurora. Some other companies were more enduring such as: Humber, Rover and from 1928 – Jaguar.
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<title>An Interview With Techno-romantic Thriller Author Denise Robbins on Merging Technology and Fiction</title>
<link>https://duyalanms.info/an-interview-with-techno-romantic-thriller-author-denise-robbins-on-merging-technology-and-fiction/</link>
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<pubDate>Wed, 01 Feb 2023 10:51:58 +0000</pubDate>
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<description><![CDATA[Denise Robbins, a software engineering manager by day, integrates her knowledge of computers and technology into all her techno-romantic thriller novels. Her published works include It Happens in Threes and Killer Bunny Hill with Connect the Dots and Never Tempt … <a href="https://duyalanms.info/an-interview-with-techno-romantic-thriller-author-denise-robbins-on-merging-technology-and-fiction/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Denise Robbins, a software engineering manager by day, integrates her knowledge of computers and technology into all her techno-romantic thriller novels. Her published works include It Happens in Threes and Killer Bunny Hill with Connect the Dots and Never Tempt Danger scheduled for release in 2010.I saw down with Denise and asked about the unique combination of technology and fiction.Your computer background has obviously been a big factor in the plots of your books. How did you become interested in technology?
It all started when I was a kid. In elementary school we went on a field trip to an electronics shop. In there, we saw all kinds of cool gadgets like small calculators, electronic games, and then… a computer. Holy cow! I could play chess on the computer.About that same time, my dad brought home a modem. I’m not talking the modems you pick up today that fit in the palm of your hand, we’re talking a behemoth of a machine that looked like a typewriter with a phone coupler attached to it.Some readers may not understand the significance of computers in fighting crime. Explain how important an understanding of new technologies can be in staying ahead of the bad guy.
Computers are used a great deal more than people think in regards to fighting crime. One simple example is the FBI’s website that gives the public information on some of the criminals they are searching for. This website not only informs the public, but now there are large numbers of people on the lookout for the ‘bad guys.’Local police departments have computers in every patrol car, which can be used in different scenarios. Remember the last time you were pulled over? The police officer can put your license plate into the computer and check if the car was stolen, your driving record, or even your car registration. A police officer making a routine stop may not seem like any big deal or use for computer technology, but what you may not realize is that the same computer that told the officer the car was stolen, can also provide arrest and warrant information. Information attained via the computer by the officer makes him/her more capable of making the right decision of how to approach the situation.Computers also give law enforcement the resources and technology needed to keep up with modern day criminals in the cyber world. Some criminals steal people’s identities or purchase goods with someone else’s credit cards over the Internet. Internet felons commit all sorts of crimes such as downloading child pornography, even trying to convince minors to meet them somewhere, which could result in abduction. Without computers, it would be nearly impossible to catch felons of this nature. Through computers law enforcement agencies can watch these actions and make the web safer.Because of computers and instant access to large amounts of information, law enforcement agents have the power to turn a possible dangerous situation into a much safer one sooner rather than later.Explain a little about nanotechnology and its current uses.
Nanotechnology is a technology based on the manipulation of individual atoms and molecules to build structures to complex, atomic specifications. The nanoscale is about a thousand times smaller than micro that is, about 1/80,000 of the diameter of a human hair.Items already available in the marketplace include: burn and wound dressings, water filtration, dental-bonding agent, coatings for easier cleaning glass, bumpers and catalytic converters on cars, protective and glare-reducing coatings for eyeglasses and cars, sunscreens and cosmetics, stain-free clothing and mattresses, ink, longer-lasting tennis balls, and lightweight and stronger tennis rackets.A ski jacket produced by Franz Ziener GmbH&Co is based on nanotechnology. The windproof and waterproof properties are not obtained by a surface coating of the jacket but by the use of nanofibres.The company InMat makes long-lasting tennis-balls by coating the inner core with clay polymer nanocomposites. These tennis-balls have twice the lifetime of conventional balls.What do you see happening with nanotechnology in the future?
Today, we have just scratched the surface on what nanotechnology will do for us. There are many nanotechnology applications in research and development. In the field of medicine, there will be Qdots that identify the location of cancer cells in the body and Nanoparticles that deliver chemotherapy drugs directly to cancer cells to minimize damage to healthy cells. Can you imagine not having to expose the entire body to chemotherapy but only the part that requires the treatment?Nanotechnology is huge in the science and technology area as well, in particular, manmade diamonds. In recent years, there has been research into producing manmade diamonds, no, not cubic zirconia, but “real” diamonds grown in a lab and not in nature. Manmade diamonds is a huge breakthrough that will only get bigger. The diamond has the largest thermal conductivity of any material. With every improvement in computer chip technology, the machines get faster and hotter. At some point the chips and computer insides will melt. Diamonds are the answer for faster computers without the heat factor. For the same thermal conductivity reason, manmade diamonds could help make lasers of extreme power. The material could allow a cell phone to fit into a watch and iPods to store 10,000 movies, not just 10,000 songs.I could go on, but you get the idea. Nanotechnology is the next great wave and I’m hoping it hits soon.What are some of the challenges in blending cutting-edge technology with fiction?
The challenge in creating techno-fiction is knowing how to keep the story moving at the same time giving enough of a visual picture of the technology so the reader understands without dumping boring information on top of their head.It seems like the field of technology is more of a man’s world. How did you end up in the field and why do you think there aren’t more women involved?I think since my dad was in technology, not the same as I am involved today, I was destined for computers.Taking a job with a government contractor for the Department of Defense hooked me on technology. I was part of a team that built software for use in military medical facilities. It was when I taught computer programs and programming to adults that I found my love for all that ‘geeky’ computer stuff. There is nothing like watching the spark in somebody’s eyes as the light bulb goes on inside their head after they have learned to write code and see the result.Why there are not more women in science and technology is a question that has been asked quite a lot in recent years. One simple answer is how parents and teachers present information technology professions and other occupations to their daughters and students. It is about encouraging and providing role models.
Another explanation for the lack of women in information technology careers is misconception and preference. Why do I say that as if they are com-mingled? Many people believe working in IT is solitary. They imagine someone sitting in front of a computer eight hours or more a day with no one to talk with. Ask any of the engineers that work for and with me and they will let you know that is not the case.In general, women prefer to work with people while men prefer to work with things. With the solitary misconception out there, many women are choosing other careers.Do you have a lot of male readers because of your interesting plots? How do you draw them in?
To be honest, I am not certain that I have too many male readers yet, but I have a few and I want more. I think once the guys know that my novels are based on interesting and real technology, have suspense and mystery woven in with action and adventure that they will want to read them. All it takes is a few good men… to spread the word.While my novels are fiction, when my hero or heroine is shooting a weapon, all readers should know that I have done the research and had the experience several times. My first time shooting anything, but a shotgun at skeet (of which I am a very good shot), was when I wrote It Happens in Threes. I had to know what it felt like. I contacted a friend who taught me all the various right and wrongs and who enjoyed seeing me struggle filling a clip and always forgetting to take the safety off.Right now, my attempt at “drawing them in” is to give a guy I see a copy of the book, ask him to read it, and let me know what he thinks. So far, the response has been positive. The other little tidbit that helps draw the men in as that I have other men review and edit my novels for the male perspective. It always helps me when Steve or David say, “No guy would say that.” Then they wrinkle their noses and slash away at my work. I am very grateful. I also have friends who are former military and they correct some of my ideas as well.How do you handle the fine line between giving too much technological information and making the story flow?
This is an excellent question. Computer stuff can be very dry and boring, take it from me. What I do is take technology and introduce the readers to it in small pieces, like breadcrumbs of information, so that technology is part of the mystery or part of the solution in the puzzle. I take the technology and break it down so my characters show you just enough to make you understand, and at the same time get curious. Wait until you find out about nanotechnology in Killer Bunny Hill. I’ll give you a hint – Diamonds aren’t just a girl’s best friend.Where do you come up with your story ideas?
My story ideas come from various places and most the time it is just a matter of sitting down with pen and paper and asking myself about the particular characters I have just identified in my mind. Sometimes, as in the case of my second novel Killer Bunny Hill, the seed for novel will just hit me while flying across the country on a plane. In the case of my fourth novel Never Tempt Danger, the idea came from a dream. Those are just the beginnings, now I have to construct a story line and that takes a little more effort.Sometimes I take from my own experiences with technology, but that is still limited in scope. So what do I do? Well, here is my answer.I did some research once for work when I accidentally ran across an article on ‘manmade diamonds’ and using them as computer chips. As I continued to read the story, I found out about an organization known as DARPA, Defense Advanced Research Projects Agency. This agency is the central research and development office for the Department of Defense. They fund all kinds of technology research in order to keep our military technologically superior and in turn keep us safe and military personnel safe. Cool stuff!Thanks for taking the time to talk with me today, Denise!
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<title>Sites Community (SC)</title>
<link>https://duyalanms.info/sites-community-sc/</link>
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<pubDate>Wed, 01 Feb 2023 07:54:38 +0000</pubDate>
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<description><![CDATA[In my previous article Scaling Drupal, I discussed the concept of SCS (Sites Community Server)* but my main focus was the application of the concept in the field of scalability, real-time performance and IR (intelligent Replication) where DCMS (drupal Cluster management … <a href="https://duyalanms.info/sites-community-sc/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ In my previous article Scaling Drupal, I discussed the concept of SCS (Sites Community Server)* but my main focus was the application of the concept in the field of scalability, real-time performance and IR (intelligent Replication) where DCMS (drupal Cluster management server) playing dual role as Sites Community Server and Cluster Server but in today’s article I would primarily focus on SC (Sites Community).To help readers understand the model clearly I would again be using SCS (Sites Community Server)* to illustrate some practical applications.SCs can be thought of a content sharing platform where different sites can share content with other sites but as we know most of these sites have their own unique content schema and it evolves independently of any other site. In order to effectively share the contents there has to be a CS (common schema) across the community.SCs can develop their on CWCS (Community Wide Content Schema) in accordance to their area of interest or content type. The CS resides on SC Server providing a platform for content sharing.The design of schema is primarily influenced by two major elements; the type of content and area of interest. For example there could be a standard schema for advertisement content; the schema design will be influenced by the content type on the other hand a community of sites focusing on open source software development may develop their on schema to share information; the schema design will be influenced by area of interest.While the SCS (Sites Community Server) hold the CWCS (Community Wide Content Schema), the schema of individual sites or nodes can evolve independently so individual sites can maintain their own identity.For security and management the community wide roles should be defined these roles can then be mapped to individual site roles; in other words a role on Sites Community Server is just an aggregation of roles defined in individual sites but of course new set of roles or permissions would be needed to govern and enforce CWR (community wide rules).*Site Communities will surely provide us with numerous opportunities and new unique challenges specially in the area of community wide rules and security.Below I’ll try to give some examples of how SCs can impact the web.
SCs can consolidate the web (right now its just a collection of thousands of sites)
Web consolidation will keep surfer more focused on their area of interest.
Advertisement can be more focused. 
Less time searching the web.
SCs will make web more dynamic. 
Different regional channels can share their news to provide user consolidated news that is more dynamic 
SCs is a consolidated efforts of individual sites means any site updating the content is contributing to community making the community as a whole more dynamic.
SCs means more influence on the web.Once your SC grows in popularity with more sites willing to become member. It will be enhancing the community influence as a whole benefiting individual members as well. 
While individual sites have their own interest; there can be COs (Community Objectives) that will benefit the community as a whole. so all individual sites or nodes will combine their efforts to achieve COs.SCs community service (CS) 
A community of 10 sites receive 100k hits per day; a community wide Ad space means that any site can promote there service to 100k users free of cost. 
Community members referring to other members sites for service in other words strategic partnership within community.
SCs can be used to establish brand names (An entire article will be coming on this).There can be different CMs (Community Model)* as well like open communities in which you just have to adopt a community schema and agree to the community terms in order to join or closed communities govern by strategic and business interest of the community creator.In the above few paragraph we’ve discussed SCs as a concept now I’ll give a few highlights on the technology side.
SC Server is used to hold CWCS (Community Wide Content Schema). 
SC Server is used to hold CWC (Community Wide Content) 
SC Server can also hold complete schema of individual nodes so that it can be used as a content publishing platform means you can login to SC Server and can publish content to any individual site or group of sites (nodes). 
SC Server is used to enforce CWR (Community Wide Rules). 
SC Server can be used for organization of the community like defining COs (community objectives) and also providing technological assistance if possible to achieve CO. 
There are other closely related concepts 
Distributed Content Management System 
Content Clusters (with Intelligent Replication) 
Enterprise Content Management System 
In the end I would suggest an open source Sites Community Server because this idea requires more innovation and study and its well proven that community based development is much more innovative and dynamic than any proprietary solution. Note:* Readers can think of SCS as DSCS (Drupal Sites Community Server) a piece of software that is used to control a group of drupal installations; why drupal in every concept its the community spirit.* In future I’ll be writing an article on how to manage sites community by defining community rules and security guideline.* I’ll be writing an article on “Community Model (CM)”* Why use so many acronyms; because each of these acronym represent an area of study or represent a topic.
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<title>What Is The Difference Between Investment Management and Stockbrokers?</title>
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<pubDate>Tue, 31 Jan 2023 18:48:37 +0000</pubDate>
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<description><![CDATA[The investment services industry can be daunting and ambiguous for individuals who seek a return on their capital. After working hard earning your wealth, it is important to understand the different services offered by professionals and what solutions fit you … <a href="https://duyalanms.info/what-is-the-difference-between-investment-management-and-stockbrokers/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ The investment services industry can be daunting and ambiguous for individuals who seek a return on their capital. After working hard earning your wealth, it is important to understand the different services offered by professionals and what solutions fit you personally. One of the main questions we get asked here is:”What is the difference between investment management and stockbrokers?”Firstly, let’s discuss what stockbrokers are – we all have a much better, clearer, idea of what they do and who they represent. Stockbrokers are regulated firms that offer financial advice to their clients. A stockbroker buys and sells equities and other securities like bonds, CFDs, Futures and Options on behalf of their clients in return for a fee or commission. A brokerage / stockbroker will receive a fee on each transaction, whether the idea is profitable or not.A brokerage can specialise in any investment niche they wish for example:
FTSE All-Share stocks, 
AIM stocks, 
European Stocks, 
Asian Stocks, 
US Stocks 
Combinations of the above 
Straight equities, 
Straight derivative trading (CFDs, Futures & Options) 
The main reason why investors choose stockbrokers over any other professional investment service is simply down to control. Due to the nature of a brokerage firm, they can only execute a trade after you instruct them to do so. This means it is impossible for a brokerage to keep buying and selling securities without you knowing – known as churning for commission. This doesn’t however prevent stockbrokers providing you with several new ideas a week and switching your positions to a new idea.However, there are natural flaws with the brokerage industry is that because trading ideas can only be executed after being instructed to list a few flaws;-
you may miss out of good opportunities due to moves in the market, 
you may get in a couple of days later because you were busy and not make any money after fees, 
you may receive a call to close a position but unable to without your say so. 
The above are examples that can happen when investing with brokerage firms, but this is due to the reliance of gaining authorisation from their clients. So if you are ultra busy or travel a lot then you could potentially miss out on opportunities to buy or sell.What are investment managers?Now we understand what stockbrokers / brokerage firms are about, let’s discuss what investment management services can do for individuals.Investment management firms run differently to brokerages. The core aspect to these services is that the professional investment managers use their discretion to make investment decisions. As a client of an investment management firm you will go through a rigorous client on boarding process (just like a brokerage firm) to understand your investment goals, understanding of the services being used, risk profile, angering to the investment mandate and allowing the service to manage your equity portfolio. The sign up with the service may seem long winded but it’s in your best interest to ensure the service is suitable and appropriate for you. In reality, it’s not a long winded process at all. Once you agree to the services offered then you will only be updated on the on-going account data and portfolio reporting in a timely manner. This means no phone calls to disrupt your day-to-day activities and allows the professionals to focus on your portfolio.Investment management firms usually have specific portfolios with a track record, into which you can invest your capital according to you appetite for risk. These portfolios will focus on specific securities, economies, risk and type of investing (income, capital growth or balanced). All of this would be discussed prior or during the application process.Another method used by investment management firms is different strategies implemented by their portfolio managers. These strategies are systematic and go through thorough analysis before investment decisions are made.The fees usually associated with investment management firms can vary from each firm. There are three common types of fees and are usually combined, fees can be;-
Assets Under Management Fee – This is where you pay a percentage of the portfolio per year to the firm, usually an annual fee. E.g) 1% AUM Fee on £1,000,000 is £10,000 per year. 
Transaction Fee – This is a fee associated with each transaction made through your portfolio – similar to the brokerage firm’s commission. 
Percentage of Profits Fee – This is where any closed profits generated over a set time will be charged to the firm. E.g) 10% PoP Fee – the firm generates you closed profit of £10,000 in one quarter – you will be charged £1,000. 
The main benefits provided from investment management firms is that after the service understands your needs and tailors the service around you, it is their job to build a portfolio around you. It is also the job of the investment management firm to adhere to the investment mandate you agreed on, we’ll take about this later, so you understand of the time frame given what you should expect. Another bonus why high-net worth individuals choose investment management services is because they are not hassled by phone calls every other day with a new investment idea.The difference… The main difference between investment management and stockbroking firms is:
Investment Managers offers discretionary services; no regular phone calls about stock ideas. 
Stockbrokers give you more control as you can personally filter out ideas you think won’t work. 
Investment Managers offer an investment mandate; this is where the investment management service provides a document of what they are offering you in return of managing your portfolio. You will understand what exactly they are targeting over the year, based on what risk, and should they achieve it – then they have fulfilled their service. E.g) the mandate could state that the strategies used and based on 8% volatility (risk), they seek to achieve 14% capital return. 
Stockbrokers do not offer an future agreements but look to deliver growth during the time you are with them. They are not bound by their performances like investment managers. 
Investment management firms have a track record for all of the strategies and services used, stockbrokers do not. 
Which to choose?Both services provide professional approaches to investing in the stock markets. Stockbrokers are chosen over investment managers by people who like to be in control and receive financial advice. Stockbrokers generally do not have a systematic approach to the markets but use selective top-down approaches to select stocks.Investment managers are chosen by investors who want an agreement on their performances over the year and understand the risk up-front. Usually more sophisticated investors that wish to take advantage of the track-record and gain an understanding of the systematic approach used by the investment management firm.Feel free to learn more.DISCLAIMER: The above is not considered financial advice or any endorsement to use any particular service. If you wish to use any of the services mentioned, please seek independent advice.RISK WARNING: Spread betting, CFD, futures and options trading carries a high level of risk to your capital and can result in losses that exceed your initial deposit. They may not be suitable for everyone, so please ensure that you fully understand the risks involved. Past performance of a managed service is not a guide to future performance.
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<title>Use of Content Marketing for Image Makeover</title>
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<pubDate>Tue, 31 Jan 2023 09:48:36 +0000</pubDate>
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<description><![CDATA[Many a time branding through social media or digital branding might be a risk factor. Then the question arises what kind of risk factors are there in digital branding? Imaging if someone tries to defame your brand through social media, … <a href="https://duyalanms.info/use-of-content-marketing-for-image-makeover/">Continue reading →</a>]]></description>
<content:encoded><![CDATA[ Many a time branding through social media or digital branding might be a risk factor. Then the question arises what kind of risk factors are there in digital branding? Imaging if someone tries to defame your brand through social media, imagine if your strategy goes wrong and it creates a negative buzz about your brand, then what will you do? As social media is a platform where buzz can be hyped within a fraction of seconds then imaging if the buzz is negative. If you put your hands in a bag which is full of social media tools you’ll find a tool known as content marketing. Smart marketers understand that traditional marketing is becoming less and less effective by the minute, and that there has to be a better way.As rightly said by Doug Kessler, “Traditional marketing talks at people. Content marketing talks with them”. Basically, content marketing is the art of communicating with your customers and prospects without selling. It is non-interruption marketing. Instead of pitching your products or services, you are delivering information that makes your buyer more intelligent. The essence of this content strategy is the belief that if we, as businesses, deliver consistent, ongoing valuable information to buyers, they ultimately reward us with their business and loyalty. And they do. Content marketing is being used by some of the greatest marketing organizations in the world, including P&G, Microsoft, Cisco Systems, and John Deere.But why is content marketing used for image makeover? And is it so effective? Let’s take some of the examples whose digital strategy went flop on social media. The strategy of L’Oreal’s social media presence took a huge hit when it was revealed that they created a fake blog. Push marketing in the social media space is always a bad idea, especially when it’s this blatant. It was an innocent mistake. The Red Cross’s social media specialist (who was an intern) meant to send this tweet from his personal Twitter profile – not from the @Red Cross account. Like Dominos, however, the Red Cross did a great job of owning up to the mistake, and even poked fun out of themselves in a later tweet. It was a big goof, but not a total fail. Push marketing rarely works as a social media strategy. Instead of releasing a standard press release, use a multitude of social media channels to interact with your audience. Doing so makes your message much more likely to be spread and have an image makeover. Brand makeovers needn’t be only in response to dire circumstances. In fact, successful companies of all sizes should revamp their image periodically, says Allen Adamson, managing director of the New York office of Landor Associates and author of Brand Digital. An example of “Jack in the Box” on Damage control Six months after food poisoning killed four, “Jack in the Box” diners and sickened hundreds, sales were down 40%. Two years later, a makeover saved the company, whose revenue has tripled since 1995.How to create a content strategy?In a recent study done by the Content Marketing Institute, 42% of B2B companies consider their content marketing efforts effective, up from 36% the year earlier.• Determine Objectives for Content Marketing• Measure Your Content Marketing• Define Your Audiences• Research Audience Needs• Create a Content Execution Plan• Create a Content Amplification PlanTo be effective at content marketing, it is essential to have a documented content marketing strategy. According to the Roper Public Affairs, 80% of business decision-makers prefer to get company information in a series of articles versus an advertisement. 70% say content marketing makes them feel closer to the sponsoring company, while 60% say that company content helps them make better product decisions.Content is essential to supporting loyal, trusting relationships between brands and consumers. 82% of consumers feel more positive about a company after reading custom content. And 90% of consumers find custom content useful. 61% of consumers say they feel better about, and are more likely to buy from, a company that delivers custom content. Content is a leading driver of brand engagement on social media and motivates consumers to take action. Interesting content is one of the main reasons people follow brands on social media. 60% of people are inspired to seek a product after reading content about it.These are some of the stats about content marketing and how content marketing is being used for image makeover of the brands. Content marketing can help an organization be more proactive in how we address both consumer and business needs, and be more responsive to behavioural shifts and emerging trends. With encouraging signs of growth across the industry and bullish attitudes from marketing leaders, there’s never been a better time to enable our owned media channels to start working harder for our business with a strategic content marketing program. And at the end an excellent quote given by Bill Gates “Content is the King”.
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