Looking On The Bright Side of Markets

Misconceptions In Passive Investment

There’s a huge amount of false information that has been circulating regarding active and passive investment. As a matter of fact, it stirs a lot of debate to many for quite some time. Aside from that, there is also much on the line from salaries of fund managers to retiree’s savings. What seems to be unfortunate here is that, it isn’t possible to try other available investment opportunities by investors. Instead, choosing a strategy has to do with great deal of analysis and research. Whether you lean passive or active, it is vital that you recognize the facts from fiction to be able to come up with a well informed decision on how you can invest your hard earned money in the best way possible.

Here are the facts that need to be cleared up when it comes to passive investment to help refine the debate between the two subjects.

Number 1. There is no action – if just passive investing was as simple as placing money in index fund and wait for all money to roll in. Well the truth is, passive investors can actually be performers of portfolio observation, discipline and construction.

When developing a portfolio together with passive investments similar to index funds, the action begins by allocating money strategically among varieties of asset classes that can help in achieving long term financial goal. If those allocations change, more action is to be found with the passive investor particularly to those who rebalance their portfolio diligently by making trades return to assets back in their original level.

Number 2. Passive investing attains returns that are below market averages – yes this is true mainly because of the cost but, average returns are in eye of investors. Index funds are seeking to replicate market index so even if they do accurately, it will still be below average for the net of fees. On the other hand, index funds normally have lower costs compared to active funds meaning, they have better probabilities of getting near market averages for a long period of time.

In addition to that, active funds charge higher fees for personnel to carry out research and trades which eats away at returns as well as contribute to abysmal historical record to match or beat market averages.

Number 3. Passive investing is deemed as cookie-cutter strategy – due to the reason that passive investment is not managed tactfully to change with market swings or to take advantage of future events, many detractors of it believe that it can’t beat active investment. The truth is, the same strategy may be applied from different investors which is one notable benefit of passive investing.

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6 Facts About Investments Everyone Thinks Are True

Great Passive Investing Ideas You Will be Able to Go for

If you need an additional income, then there are many other ways that you will be able to get some extra cash aside from getting a part-time job. But, what if you lack energy or time to spend extra hours for such job? For this reason, you will need some passive income ideas. There are surely ways that you can make money with little investment of effort and time on your part. A great advantage to this is that when you try to pay off the debt quickly, then this is a huge help. Here are a few of the ideas that you can get for passive investing.

You may invest in a lending club. Probably, there is actually no passive income which is greater as compared to getting interest on the safe investments like treasury securities as well as the bank certificates of deposit. The problem is that the instruments are paying paltry returns, which is less than one percent. It can be a passive income to the finest but you will not be able to retire on the returns that are that low.

This is one good reason why it would be a great idea that you choose the lending club. Know that there is peer-to-peer online-based lending platform in which people would get loans and the investors are going to offer funds for these loans. Surely, the lending club provides that opportunity for you to earn the interest rates in the excess of 10 percent each year and this is about 10 times of what you are going to earn on the conventional interest-bearing investments.

Opting for index funds is also a great idea that you can have for passive investing. You should know that the index funds are a type of mutual fund which provides you a way to invest in the stock market that is passive. When you would invest money in the index fund, that is based on the S&P 500 index, what this means that you are going to invested in the general market and you don’t need to be concerned with choosing investments and rebalancing the portfolio and know when to purchase or sell from those individual companies.

On the other hand, if you have that passion for photography, then you may put the photography to work on the web. If you like this, you can convert such into a passive income source. You must know that the photography sites can offer you with those platforms wherein you can sell the photos. They can offer you with percentage fee or flat fee on every photo which is sold to the client. This means that a single photo may represent a passive income opportunity as this can be sold again and again.

Well, these are just some of the passive investing opportunities that you can go for. With these options, you can make money.

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The Essential Laws of Resources Explained

All Things You Need To Know About Passive Investing

If you are planning to earn more cash and at the same time wanted a hands-off approach in managing your portfolio or business, then passive investing is always the right choice. Passive investing simply means that you entrust someone else or a professional with the daily management of your portfolio. In order for you to become more successful, you must make sure that you study effective investment strategies first. There are many people out there who don’t realize how advantageous passive investing is and how it can make their lives easier in the future. If it is your goal to retire early, then it is advisable that you start passive investing today. It is critical that you start passive investment today if you are over 40 but not over 50 years old. It is very important that you stay positive all the time and that you don’t discourage yourself. If you want to have financial freedom and don’t want to become an emotional and financial wreck, then passive investment management or strategy is the answer. There are things that you need to think about before you begin your quest in doing passive investments. It is advisable that you do an online research about passive investments and take the time to study it. It is also advantageous if you take the time to read articles found on the web or blogs that provide useful information about you can become successful through passive investments.

Bear in mind that just like any other investments, passive investments can also be risky. That is why it is very important that you have a passive investment strategy in order for you to minimize the risks. Using the Internet, you will be able to find awesome ways on how you can reduce market risk. Asking for useful pieces of advice from individuals who have experienced passive investing is also very beneficial. It is very important that you are not in a hurry when doing passive investments -take your time.

There are many professionals out there who can help you with your passive investment journey. It is very important that before you seek for an advice to a particular passive investment professional, it is very important that you check his or her profile first – make sure that they have outstanding credentials and excellent background history. You should also make sure that the professional has enough experienced in the field of passive investment. Make sure as well that you choose a passive investment expert who has undergone proper training. Without a doubt, doing correct passive investing can make you become successful. Stay positive all the time and don’t get easily discouraged.

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Why No One Talks About Resources Anymore

Passive Investing 101: Understanding the Advantages of Passive Investments

Passive income is one of the many things you can invest on to build your wealth, and one of the most effective form is through real estate. Passive investment is an investing strategy which aims to maximize returns on the long run, through keeping the amount of selling and buying to a minimum level. The main concept of passive investment is avoiding fees and drag on the performance that can potentially occur in frequent trading. Passive investment is not for quick returns, rather it takes a slow process but steady wealth over time. Passive investment is also called buy-and-hold strategy, wherein an investor buys a security with the intention of owning it for many years. Investors in passive investments are not after the profit gained through short-term price fluctuations or “time the market”, but rather they gain positive returns through a given period of time.

What are the passive income strategies? The types of passive income-generating sources are rental income, real estate, interest income, royalty income, dividend income, membership fees, advertising income, affiliate income, business income, pension income and donation income. Real estate properties can be leased such as building and office spaces, so you can earn without too much effort. In order for you to achieve this kind of passive income, you have to acquire properties, so you need to invest in real estate properties as soon as possible. You can also obtain passive income through movable rental properties such as machinery, equipment and vehicles.

Interest income are your earnings obtained from lending or your cash deposit in banks. Royalty income can be earned through royalty fees by publishing a book, writing a song or being a great singer, from licenses for using software, your photos for being a professional photographer and trademark for franchising. Dividend income is a passive income earned through stocks or shares of a corporation, and it involves a higher risk though. An investor in dividend income must be guided by the right knowledge, skills and attitude to the proper discipline about investing in stocks and other securities. Membership fees can be a source of revenue such as in golf club, fitness gym, and membership websites that contain useful and unique contents where users or members pay a regular membership fee to be able to access those contents. The contents of your website can earn membership fees in a form of software, applications, podcast, videos, articles and scripts. Advertising and affiliate sources of passive income can be earned by generating blogs and websites through direct advertising, third-party advertising and affiliate marketing.

5 Key Takeaways on the Road to Dominating Investments

Investing in a Passive Way

You might have heard from others that passive investment, basing on its name, is the most unlikely investment plan to follow because of its stagnate nature like a lazy plan, a couch potatoes plan and so on. Any investment, including passive investment, if being managed well will also reap good returns, and this is what other investors do not seem to understand about passive investment. Passive investment may not have the popularity similar to active investments in stock picking methods, but seasoned investors will be amazed with its benefits too.

The one tool that is said to save an investor from going into a financial and emotional turmoil when the stock market crashes is passive investment. What investors usually do is to look and buy the best investment opportunity that will give them those extra money. But investors also fail to see the other side of purchasing several investments, keep them on a longer period and thus help maintain their stocks position on the right direction.

Know that buying passive investments does not mean you forget about these investments completely. Re-balancing your portfolio and keep companies performing better under control are some of the things you can do when you have passive investments. Even so with your expertise in passive investment, it is advisable that you get some professional help in order to be able to determine your investment goals. Determining your investment goal, knowing how much you would like to earn from such investments, and deciding how much you are willing to invest to reach your goal, are some of the things you have to do.

Know that passive investments are still exposed to market risks just like any other investments. Do not expect your passive investment to hold your portfolio a safe investment especially the future cannot be predicted as the same. Before investing, the things that you should look into first are the available lower rates, the present better tax benefits, and the consistent style that will give you more earnings for a long period.

One advise before deciding on what style of investment you like to go is to talk to an advisor to help you decide which investment plan is best for you.

There are several ways that one can generate income from passive investment. We have to consider ways and opportunities relating to safety, profitability and also liquidity.

Both investment and income are considered in the meaning of safety. What could affect your investment are changes in market condition, economic slowdown and social unrest. For your investment to be safety, the income from your passive investment should always be there.

Another significant factor when you choose an investment is the liquidity of the investment.

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The Essentials of Businesses – Getting to Point A

What to Consider When Choosing a Business Phone System.

Business telephone systems often range anywhere from your smaller end-of-the scale for the higher. Purchasing top quality phone equipment should rank as a number 1 concern no matter whether the machine eventually ends up a small or significant expenditure. With low-quality equipment, a company is always in danger of disruption of its services at crucial stages of necessary operations. At achieving your organization requirements thus, your allowance shouldn’t rank as a top problem, but instead the gear quality and.

The following should be the main points to consider when searching for a business phone system.

Achieving the current and future company requirements and needs must be linked to your definitive goal when searching for a telephone system. To some extensions and wrinkles, it is important to have an awareness when it comes to your business needs. This would entail research of recent and anticipated consumer advancement, in addition to personnel. The people using the systems fully accommodating all are not noncritical.

In case a phone system is inappropriate, you risk losing customers and clients searching for quality service. On the converse, a telephone system that is too much for the business will only be a waste of money. Whatever the case, your present, and estimated enterprise expansion measurement must affect telephone system’s sort you decide on.

First, have a reasonable budget for your purchase. Anytime you are currently choosing the phone system; it’s crucial that you consider your budget. Essentially, whenever you know the actual amount you can use, this isn’t something you need to review. Nevertheless, should you be currently finding that many of the phones techniques are lacking you might want to contemplate for before you have a little more to place towards the investment, waiting.

A major reason for this has to be related to the way in which low-quality equipment may result in complications. Also, comparing charges is not unimportant also. In this way, you’re less unaware of charges for various kinds of features and deals.

You also need to know about the features your company needs. Often, most enterprise workers solely use a little bit of the devices features involved. This can be resolved by coming up with a list of features needed by the company. Ultimately, you cannot avoid investing in a that you end up not applying.

Nevertheless, trying to avoid as much as feasible is among the methods that are greatest to avoid needless expenses. Fundamentally, the worthiness brought through the functions to your company must decide whether or not they are worth investing in.

Always consider picking a phone system based on your company’s needs. Just like the functions, there is no purpose of paying more than you’ll need for a telephone system. Therefore, you ought to choose a business phone system that matches the wants of your business.

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Services – Getting Started & Next Steps

How to Get a Simple Small Business Phone Service and System in Florida

A vital aspect a small company is a small business telephone service. And with this kind of assistance, small scale business organizations are going to be efficient in speaking with company colleagues and also other clients and will also do other business activities without ever leaving work. Most small scale business telephone companies are offered in packages. They’re sold with a transmitter, a few devices along with other equipment relative to the package.

Many individuals prefer to work with a wireless telephone since it enables them to use the receiver everywhere they are as long as it is in the range of the base phone and enables connection to wireless intercoms.

The type of small business telephone service that’s utilized in business is significantly much like that of the telephone system in the home. What is needed is just a base station that works as the main phone line, a caller ID and an answering machine. Connecting additional telephones or handsets is your choice.

Some service companies add up to two extra phones or devices which might be included in their packaged service. But obviously this kind of system can be expanded as you can have extra phones for your system based on your company communication requirements.

A lot of people today say that Voice over Internet Protocol (VoIP) is the best for their businesses especially for the small companies. VoIP is definitely a successful small business telephone service, according to the way you look at it. Utilizing an internet connected phone may allow you to make calls anywhere on earth and never have to keep in touch with an operator and getting billed.

With this particular kind of business telephone system, setup of the process is straightforward. Just make an application for a standard VoIP account and a web connection then purchase a router, and that’s all there is to it. Envision calling other connections free of charge just by using the internet. That’s what is known as effectiveness.

It is best to ask competent personnel regarding how to install the service package, should you not know how to or can’t understand the offered manual. Selecting the most appropriate business phone service is extremely vital and thus make sure you buy the appropriate service that will suit your businesses’ preferences. An effective small business telephone service will most definitely help you with communication problems.

Some small-scale business services are also being supplied by other business phone service providers with additional features. Obviously, small scale firms may benefit from this kind of service. It is a valuable requirement for many businesses, with its price that is cheaper, obtaining a small business telephone service for the company is that easy to accomplish. Who knows, maybe having your small business phone service is what you have been lacking.

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A Simple Plan For Investigating Systems

How To Select A Good Cell Phone Plan For A Business

A mobile phone is crucial to business and it has been ranked as one of the top business tools for any business because they play a major role in the communications infrastructure of any business despite the industry that is in and it is known that a missed text, a missed call or the inability to access a site can cost a company millions. Most cellular providers will try to impress the market with funny and eye-catching advertisements and there are a lot of new handsets that have new features that the users cannot live without and the decision to equip the workforce and which of the services providers can partner with the business to make a huge difference on the bottom line.

The first decision in getting a cell phone plan for the firm is by determining if the company is right to go for business and the business owner needs to look at the business and decide how the cell phones are going to be used to address the communication needs of the firm and what the primary business drivers for the communication needs are. Cell phones are crucial when mobility is a major issue but there are some benefits for companies such as law firms that have people that spend a lot of time in the office on the phone with customers and for such people a cellphone would not be of much help.

A known fact is that the business owner needs to research the company calling habits by obtaining some copies of past phone bills to get an exact picture of the company’s calling patterns and assess some things such as if the business calls are local or are there some calls that have been made across the country and if they would need to have free or cheap international calls that have need to be added to the plan. The business owner has to determine if data and texting would be vital to the organization and once the previous questions have been answered they can start to see what type of cell phone plan will be right for the company.

It is vital to note that the business owner needs to outfit the key people because it is unlikely that members of the company will need a cell phone company for their day-to-day work and reducing the number of phones that the firm can assign to key personnel can save the business money on the plan that they eventually select. If a business owner has mapped out the group’s communication needs then that should direct who is going to be issued a phone and normally senior management must have phones so that they can reach each other in emergencies or crisis.

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Services – My Most Valuable Advice

The Benefits of Business Phone Services and Systems

If you live in the modern world of today, you might know that, in so many different ways, it is widely different from the world of the past. One will be happy to know that this is definitely a good thing – for example, modern technology has arrived, giving a lot of people so many advantages and so much convenience to enjoy. For example, if you are a business owner, you can benefit because you can take advantage of such innovations as business phone services and systems, something that a lot of business across the globe have found it beneficial and worthwhile to do. Finding a company that offers business phone services and systems, then, will definitely benefit you in many wonderful ways, as through it, you can achieve rewards and benefits which will no doubt please and satisfy you in the long run.

Getting business phones and service systems is definitely beneficial to you and your company in so many different and wonderful ways, one of which is the fact that when you do so, you can be sure that the communications in your company can improve wonderfully. Many times, because communications are faulty and not as efficient as they should be, company executives focus a lot of their time and energy not on business, but on the communications themselves. If you don’t want to lose your focus by getting distracted by other things, then, it is certainly a good idea for you to get a good business phone service and system.

When you enjoy the benefits that modern business phone services and systems can give you, you will also be able to reap the sought-after advantage of being able, in the long run, to save a great deal of money. One who knows about travel expenses also knows that these are not at all cheap, and when he or she has to travel often for business, the company can lose a lot of money altogether. The good news is that through a modern business phone service and system, people can eliminate a lot of travel expenses by being able to communicate more effectively.

When one starts using a modern business phone system and service, he or she will also be able to benefit because through this, much ease can be enjoyed. The reason is because companies today make sure that the items they sell are user-friendly, which means that even if one is not an expert in modern technology, he or she can learn to use it with ease.

You will definitely be very pleased to know, then, that through modern business phone services and systems, you will be able to benefit a lot of wonderful things, as you can save time and money, communicate in a smoother and easier way, and use the systems with much ease even if you are a beginner.

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Phase 3 Marketing And Communications Introduces 6 Centers Of Excellence

FOR IMMEDIATE RELEASE

(Atlanta, GA)— Phase 3 Marketing and Communications, a premier provider of marketing services and solutions across the southern United States and beyond, announced the introduction of their 6 Centers of Excellence. The company is offering a focused suite of solutions for business owners that can be developed and deployed separately or in unison to help them create greater brand awareness and take full advantage of every available marketing channel. A full description of Phase 3’s service suite is available at their website at

“For many companies, ‘branding’ and ‘marketing’ are dreaded terms that bring feelings of frustration and confusion. This is because most business owners engage in these all-important activities with a disjointed approach, making it difficult to get any significant return on their investment or identify opportunities for improvement. Our 6 Centers of Excellence provide a much different take on branding and marketing. We work cohesively from ideation to execution, helping companies define their purpose and tell meaningful stories. Rather than focusing solely on lead generation, our team implements multifaceted solutions that result in demand generation for a product or service,” said Jim Cannata of Phase 3 Marketing and Communications.

At business owners can get a glimpse of Phase 3’s 6 Centers of Excellence and discover how they work together to bring success in marketing and communications. The company’s offerings include help with branding, marketing, digital solutions, public relations, print media, and marketing logistics. Each service can be used in conjunction with the others or on its own to create better marketing results.

Cannata went on to say, “Our company and its approach to marketing puts the talent to ideate and the ability to execute all under the same roof, resulting in great marketing ideas being executed faster and more effectively for our clients. We make marketing a collaborative effort, working with business owners every step of the way to bring their vision to life, connect them with their target audience, and help them take their brand to the next level.”

Business owners who would like to learn more about Phase 3 Marketing and Communications’ 6 Centers of Excellence or take advantage of their services can log on to for additional information.

About Phase 3 Marketing and Communications:

Founded in 2001, with offices in Atlanta, Charleston, Charlotte, Dallas, and Nashville, Phase 3 Marketing & Communications is a leading provider of marketing services and solutions from ideation to execution to corporations throughout the United States. Through the six centers of excellence, their integrated offerings include: Brand Identity, Creative, Marketing, Public Relations, Social Media, Web Design and Interactive as well as Digital and Offset Printing, Display Solutions, Kit Packing & Distribution, POP/POS Program Management, Warehouse & Fulfillment, and Web to Print Software. Phase 3’s value proposition is simple: The talent to ideate and the ability to execute all within one company. The benefit to their customers is just as simple: Great marketing ideas executed faster, more effectively and easier for their clients.

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