While total and compound annual returns are useful, savvy investors will look deeper, using a variety of metrics, to get a more complete picture on mutual fund performance.On January 1, 2006, a leading financial daily reported the trailing 1-year and 5-year returns of Fidelity Contrafund (Nasdaq: FCNTX), a no-load mutual fund, as 16.23% and 6.21% respectively. While the financial daily's return information is useful, there is more to mutual fund...more
Dynamic perpetual cyclers are the perfect international onlinebusiness for any marketer regardless of experience level, weatheryou are 18 or 80, business professional or not, downsized workers,stay at home mom or dad, lost your retirement pension or just tiredof living from paycheck to paycheck, here's a revolutionary andeffective remedy. This sophisticated advertising/marketing system will work on autopilotto provide you ongoing incomes from...more
In today's competitive business environment, it often seems that the most important aspect of someone's buying decision is price. People constantly ask for lower prices, compare our prices with the competition, and badger us to give them a better deal. Regardless of what you sell, you probably face price objections on a regular basis.I will never dispute that price is a factor in every sale. However, it is seldom the primary factor. If price was the only reason people bought goods and services, high-end boutiques and companies that sell premium products would not exist. That means we need to learn how to resist the temptation to offer too much of a discount, too quickly. Here are a few ideas that can help.Do your research. If you cold call on companies then conduct some preliminary research BEFORE you call them. Find out as much about that company as possible. Thoroughly browse their website, ask for a copy of their annual report, and talk to other people in the company if possible. Figure out what problems they are facing and determine exactly how your product or service can help them solve those problems. The more information you have about your prospective customer, the more...more
A no faxing cash advanceHard on cash and your payday is still far away? Need money instantly? Have to clear urgent bills? Or maybe an unforeseen medical liability needs to be taken care of? Well, with the option of pay day advances and faxless cash advance, getting the extra money is no problem at all. All you need to do is pay off the no faxing...more
I am sure that all of us have some unknown skill that we have always wanted to add to a resume just because it looks good. In today's tight job market, employers are looking for people who can do more than just the job they are hired for. In essence, they want to hire a jack of all trades for a position.Decide what looks goodIf you played water...more
With home equity loans, the interest varies from lender to lender. For the most part, each lenderstays within the interest guidelines setup by the loan officers. Home equity loans are sort of a cash inadvance loan, since many lenders will provide the loan with no closing costs, fees, or other upfrontcosts. Most loans require that the borrower pay origination fees, title costs, arrangement fees, stampduty, and closing costs, while the home equity loans often require nothing down supposedly. Many home equity loans start with interest rates around 6.675%. Some lenders also charge lowerinterest rates, but for the most part, the borrower won't know the difference until he reviews thecapital reduction on his monthly statements. In other words, home equity loans offer great monthlyinstallments, ranging from $140 and up; thus, the borrower with this low payment, is not going tonotice interest on the loan until he reviews his statement and sees the capital is moving like a turtle.Thus, after several years, homeowners often take out another loan to payoff the equity loan. Theprocess becomes expensive over time, since each loan taken out starts the capital at the beginningagain. Each year...more
Are your thoughts stopping you from having success in Network Marketing?Thoughts are made up of our belief system. We choose and form judgments based on beliefs we have collected over the years. We have attitudes, ideas and opinions of others and...more
The one thing I want you to think about as we are starting the New Year is the single most important factor in all of business. Take and throw everything you know out the window because without this one possession, you'll end up more lost than...more
When a person takes out an equity loan, he may be expected to pay upfront fees and costs. One ofthe fees he may pay is the conveyance fees, which is the legal process of transferring ownership fromthe seller to the buyer. This means you area paying...more
If you have bad credit and believe you are out of luck when it comes to refinancing or purchasing a new home, you may want to reconsider your options.Just because you have bad credit, it does not mean you will be unable to get a loan, nor does it...more
The Federal Trade Commission has issued alerts to homeowners-and specifically homeowners whoare elderly and poor-in recent months. The market is swarming with mortgage lenders providingequity loans and some of these lenders are taking advantage of...more
When considering home equity loans, borrowers often take out loans to increase equity on thehome. The loans are then utilized to improve the home, increasing the value. The homeownermay consider drops in market value and additions to the home to...more