I don't
really need any of the investment money, and I could imagine taking a 100 % equities approach.
Not exact matches
To
really make the learning stick — and your
investment in human capital pay off — you
need to make business education part
of your culture.
The point is there
really is a wide range
of choice when it comes to the best retirement
investment to suit income
need and attitude to risk.
For example, my
investment in supply side
of cricket protein led to a
really great introduction with the consumer package goods company because that entrepreneur knew that I was excited about the space and didn't
really need to convince me that this is the future.
It may have been intended to encourage more angel
investment by the end
of the year, but most
of the folks I know who've thought about it agree that, if spurring additional angel and startup
investment was the desired impact, the break would
really need to be in place permanently, or for a longer period
of time.
Unless you
really need or especially value the human touch that those services provide, you're probably better off simply choosing low - cost index fund options at a fraction
of the bank cost through robo - advisers, which use algorithms to provide automated
investment advice, or
investment companies (examples
of which include Charles Schwab or Vanguard).
If the sector is out
of favor, key intuitional players have already made their
investments, or you
really need the capital, then you will be playing with a weak hand.
So, when you're buying shares
of a gas ETF, you're essentially betting that the value
of gas will rise from the time
of your
investment, mainly because people
need gas and there's no
really solid, widespread replacement for it (nor will there be for the foreseeable future).
However, tilting your allocation towards conservative
investments too quickly can expose your financial security to a much larger risk, which is the loss
of your purchasing power at the time you
really need it.
But if we
really want to force regime change from owner, bpoard and manager, as I do, we
need our club to finish as low as possible, to damage Kroenkes
investment and make a sale
of club to an honourable owner more likely, so a Liverpool win is then best.
which is certainly not a slight on the young french national player; like him or not, Sanchez has provided some real world - class performances for club and country in recent years... if you do this move, you
need to
really clean house or face some serious consequences for the foreseeable future... half measures are rarely rewarded, that's how we got here... tear down the wall... we
need to get rid
of Giroud, not because he isn't a talented player, his skill - set simply doesn't make sense if we hope to maximize the offensive potential
of a quick passing, one - touch scheme... we
need to evolve, like Barcelona, who realized you
needed to have clinical finishers or face a mind - numbing future
of horizontal passes and largely ineffective crosses... Barca went and got Suarez, even though they had Messi and Neymar on the roster (just imagine the possibilities — another in the litany
of Wenger «what ifs»)... we
need to be as clinical in the boardroom as on the pitch... accept nothing less or move on... personally I would move on from Welbeck, Giroud and Walcott, even Ox if he isn't all in... I think the most intriguing player might be Perez, which runs counter to the thoughts in my head when he arrived late last summer... we
need a deep lying DM with quick feet and long ball potential, midfielders who can counter quickly even when they are spread out and 4 or 5 players who know how to attack the lanes (kind
of a cross between Barca, Dortmund and Monaco)... this is seriously an achievable goal, one that logically should have been achieved quite a few years ago... did no one in the Arsenal organization see the financial restructuring
of the football universe... think
of the players we could have had but we weren't willing to cough up the dough only for those individuals to have their value double or triple within a 12 to 24 month period... even if just from an
investment perspective these «no deals» represent a failure
of monumental proportions... only if you cared,
of course
Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition
of Lacazette, the free transfer LB and the release
of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state
of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid
of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy
of our time and / or
investment, as such we should get rid
of anyone who doesn't meet those simple requirements, which means we should get rid
of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction
of things to come... some fans have lamented wildly about the return
of Mertz to the starting lineup due to his FA Cup performance but these sort
of pie in the sky meanderings are indicative
of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition
of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our
need to re-establish our once dominant presence throughout the middle
of the park we
need to target a CDM then do whatever it takes to get that player into the fold without any
of the usual nickel and diming we have become famous for (this kind
of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we
need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack
of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result
of his presence on the pitch... as for the rest
of the midfield the blame falls squarely in the hands
of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none
of the aforementioned had more than a year left under contract is criminal for a club
of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model
needs a complete overhaul... for me it's time to get rid
of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field
of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version
of Rosicky — too bad, both will be deeply missed)... in their places we
need to bring in some proven performers with no history
of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet
of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival
of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone
of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players
of a similar ilk to be brought on board and that wasn't possible when the business model was that
of a «selling» club... does it
really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part
of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet
of those who were well aware all along
of the potential pitfalls
of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever
really was...
I think what this part
of the state
really needs is greater
investment in its people.»
«When we get
really excited about a field, one
of the big, major
investments and efforts that everybody has to get behind is getting the data that we
need,» he says.
«So in order to assess the value
of public
investments in biomedical research, we
really need to understand the linkages between these
investments and private sector output.»
My wedding and dress doesn't
really suit a versatile wedge and I
need to go with a higher heel (voluminous shorter length dress + My 5 ″ 1 frame means I
need to elongate my legs) but the thing I think I'm struggling the most with is making the
investment in a pair
of white heels I know I won't get much use from after the wedding.
Really frustrating, as it is free!!!!! Training also
needs to be embraced by senior management: with schools routinely spending upwards
of # 30,000 / $ 47,000 on printing and photocopying each year, training for staff is an invaluable (if inconvenient)
investment.
Melissa Benn (pictured), founder
of the Local Schools Network campaign group, said: «When will the government ditch this faulty policy and provide public education with what it
really needs, including proper
investment?»
What's the buy - in from the beginning point
of the resources that are
needed to building the
investment among educators as to why transformative change is
really critical?»
But Adamowski and his team never made the
investment of resources that were
needed to
really help the Milner School.
Vijay:
[email protected] It was a
really good
investment as I have a lot
of products beyond my books and I
needed some special set up.
Better to create a mix
of low - cost stock and bond index funds that jibes with your tolerance for risk and allows you to fully participate in the financial markets» long - term gains than to opt for an
investment that severely limits your upside in return for providing more protection from periodic setbacks than you
really need.
If this money
really is for a down payment you'll
need in five years or so, most
of it should go into a high interest savings account, a guaranteed
investment certificate or perhaps a fixed income exchange traded fund.
The
investments in MBS only help solvent borrowers on the low end
of housing, who don't
really need the help.
To make those long term
investment returns
really matter, you
need to know the rules
of the game.
In order to
really evaluate an
investment like this, you
need to consider the level
of risk implied by the yield, or a risk - adjusted yield.
They almost immediately counter with any number
of «better»
investment ideas: cryptocurrency, tech startups, angel investing, penny stocks, or a «friend's»
really good business that just
needs a little capital.
For many years personal
investment brokers were touting the benefits
of mutual funds because they were a managed
investment vehicle in which you literally owned a small piece
of a pie along with other members in the fund and you didn't
really need to know anything about market movement.
That is one the last page
of «
Investment Zoo» That book is so underrated and I
really think every DIY investor
needs to read the book.
It
really is a marriage
of the best
of both worlds in terms
of low - cost access to trading with as much or as little
investment assistance as you
need.
So you
really only
need to put the money in safe
investments that you'll have to tap for living expenses over the next couple
of years or so, plus perhaps a bit more to cover unexpected expenses and emergencies.
For example, if you're going to use the Asset Allocation Software to run an
investment asset allocation report, College Planning Calculator to show what's
needed to send kids to college, Life Insurance
Need Analysis to see how much life insurance they really need, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow Projector (C
Need Analysis to see how much life insurance they
really need, and an overall financial plan showing what their financial future / retirement (using RP, or either version of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow Projector (C
need, and an overall financial plan showing what their financial future / retirement (using RP, or either version
of RWR) will look like before and after your brilliant recommendations, you'd use these four modules, combined with the Cash Flow Projector (CFP).
If you're the kind
of guy or gal who doesn't
really need access to someone you can sit down with across from a desk, but you want your
investments to be automatically managed, you might think about signing up with a robo - advisor.
The money that you truly
need access to at all times and that you
really can't afford to put at any risk — say, a cash reserve for emergencies and unexpected expenses, cash to pay a year - to - two's worth
of retirement expenses beyond what Social Security and any pensions would cover — would go into the most secure and most liquid
investments, by which I mean an FDIC - insured savings account or money - market account and / or a highly secure
investments like a money - market fund.
When investors consider Prosper as an
investment they
need to remember that there have
really been two iterations
of the company.
A good
investment bubble
needs three things: a
really good plausible growth story with some basis in reality, some real excitement about that growth, and plenty
of liquidity.
You
really just
need a copy
of all your tax returns and any supporting documents (W2, 1099,
investment documents, etc) that were in his possession.
«Complexity tends to be the default option that gets used to persuade investors to buy unnecessary
investment products,» Carlson writes, «while the vast majority
of people
really just
need to understand more conventional options to succeed.»
Of course, this won't necessarily save them from unscrupulous advisers (always happy to churn «em in / out of the highest fee products), so a happy medium is still needed — everybody really should educate themselves enough, or ask for assistance, so that they can assemble and maintain a well diversified portfolio of investment funds / ETFs through a cheap execution broke
Of course, this won't necessarily save them from unscrupulous advisers (always happy to churn «em in / out
of the highest fee products), so a happy medium is still needed — everybody really should educate themselves enough, or ask for assistance, so that they can assemble and maintain a well diversified portfolio of investment funds / ETFs through a cheap execution broke
of the highest fee products), so a happy medium is still
needed — everybody
really should educate themselves enough, or ask for assistance, so that they can assemble and maintain a well diversified portfolio
of investment funds / ETFs through a cheap execution broke
of investment funds / ETFs through a cheap execution broker.
So, I think it's important for those with influence to begin to consider departing from the «wisdom»
of the past (buy and hold, dollar cost averaging, etc) and to start discussing what we all
really need to accomplish our financial goals:
investment methodologies which don't depend on emotion, shaky data, «experience» or any other type
of non-quantifiable «faith» in the markets.
But if you don't
need to access any
of that $ 100
investment you made, should the ups and downs in the stock market
really affect you?
But you don't see it used much because professionals would have to first figure it all out, then shop for
investment database software (there's
really only one program that gives good data with all
of the asset classes over adequate time frames), then spend ~ $ 1,000 to buy it, then learn how to use it, then actually sit at the computer and do it, work out the bugs, and then update everything when
needed.
Really, you don't
need to stress every single detail
of every single
investment you make.
You would
need to
really think
of them as separate things, such that rather than being disappointed that there's no «cross transactions» between files, you think
of it as «In my personal account I invested in a new business like any other
investment» with a transfer from your personal account to a Stock or other
investment account in your company, and «This business received some additional capital» which one handles with a transfer (probably from Equity) to its checking account or the like.
My answer might be more than you
really want /
need, (it kind
of turned into Real Estate Investing 101), but to be fair you're
really asking 3 different questions here: your headline asks «how effective are Condo / Hotel developments as
investments?»
Since they are
really more focused on the
investment side
of things (that is how they make their money after all), their budgeting and spending features are not quite where I
need them to be yet.
While we have a long - term
investment horizon
of more than five years, we do not often find ourselves
needing to sit on large cash balances because this is a rolling process, and when «vintages» mature we are able to swiftly redeploy assets into new
investment ideas; thus, we only
really need to find four new ideas each year.
Another option is to purchase
really good backpacking gear, which is a good
investment if you do a lot
of backpacking or camping where you
need to fly to your destination.
Do we
really need to say that our
investment is worth the pain
of having to endure these practices?
The MMORPG space is a costly
investment and you'd
need to
really burn a lot
of money to start competing against the mega-giant, but Mythic VP -LSB-...]