Tag: investment

Business Investment & Business Lending #starting #a #business #ideas


#business investment

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Help the economy. Invest.

Personal Tax-Free Account

You will soon be able to open an ISA account at Funding Circle, which means your returns will be tax-free.

The subscription is 15,240 for the 2016/17 tax year across all ISAs. You will also be able to transfer ISAs from previous years into your Funding Circle ISA .

Martin Lewis, writing about his Funding Circle Experience

Funding Circle has been the most lucrative [peer-to-peer platform]. Since I joined in August 2012, drip-feeding cash in, my returns, after all fees and bad debt adjustment, have been 6.2pc. I didn t pick individual borrowers, I just used Autobid . October 2013

Minimising risk

Our experienced credit assessment team review every application and only allow established and creditworthy businesses to borrow through Funding Circle. However, it s important to remember that some businesses will not be able to fully repay their loan. We call this a bad debt.

Diversification is the best way to manage risk. This simply means spreading your lending across hundreds of businesses, so you re only lending a small amount to each one.

It only takes a few minutes to register.

How do I become diversified?

  • Lend to at least 100 businesses
  • Lend no more than 1% of your total to each one

Every investor who has followed these 2 simple steps has earned a positive return (1 January 2016).

We ve built an easy tool to help you diversify, just look out for Autobid in your account.

We re transparent

About our fees

1% Annual Servicing Fee

Based on the amount outstanding on any loan and collected when the borrower makes a payment.

0.25% Sale Fee

Payable if you sell any of your loan parts to other investors.

And about our performance

We publish all performance information, including the all time actual return across all investors and our bad debt rates on our statistics page. You can also keep up to date with your own investment by logging into your account.

As featured in

Some traditional banks are unaware of the competition they face and the way upstarts such as Funding Circle are disrupting bank lending.

Lending marketplaces such as Funding Circle have gained the trust of consumers by offering transparency and providing lower rates than banks to borrowers.

This month the FCA began regulating the sector for the first time, giving it an official stamp of approval.

Within an hour of posting on Funding Circle, the company met its target. By the end of the week, they had raised 75,000 from 600 investors at a competitive rate.

Have any questions?

Download our free investor guide to read more about how it works and important information about lending through Funding Circle.

It only takes a few minutes to register.

*The current estimated return is an estimate of the annual return after fees and bad debts that investors could earn from lending money to businesses seeking loans today. It is calculated by taking the gross interest rate less fees and estimated bad debts that will occur in the future for each of the last 100 loans accepted on the marketplace. The average return is compounded and before tax. The return is updated daily. See the full calculation here .

** Funding Circle is supported by the British Business Bank, a development bank wholly owned by the UK Government. In 2014, the Government-backed British Business Bank Investment Programme invested 40 million alongside other investors, to support economic growth by providing more efficient finance to small businesses.

The British Business Bank and its subsidiaries do not offer bank accounts, take deposits or provide regulated banking services. The British Business Bank provides its financial support to smaller businesses through its delivery partners. Any decisions to provide finance to smaller businesses are made by Funding Circle not by the British Business Bank.

investors in the UK

have lent to businesses

lent to British businesses

Investment through Funding Circle involves lending to small and medium sized businesses, so your investment can go down as well as up.

Funding Circle Limited is authorised and regulated by the Financial Conduct Authority under firm registration number 635439. Funding Circle is not covered by the Financial Services Compensation Scheme. Registered in England (Co. No. 06968588) with registered office at 71 Queen Victoria Street, London, EC4V 4AY.

Copyright Funding Circle 2016. All rights reserved


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Business Investment & Business Lending #social #business


#business investment

#

Help the economy. Invest.

Personal Tax-Free Account

You will soon be able to open an ISA account at Funding Circle, which means your returns will be tax-free.

The subscription is 15,240 for the 2016/17 tax year across all ISAs. You will also be able to transfer ISAs from previous years into your Funding Circle ISA .

Martin Lewis, writing about his Funding Circle Experience

Funding Circle has been the most lucrative [peer-to-peer platform]. Since I joined in August 2012, drip-feeding cash in, my returns, after all fees and bad debt adjustment, have been 6.2pc. I didn t pick individual borrowers, I just used Autobid . October 2013

Minimising risk

Our experienced credit assessment team review every application and only allow established and creditworthy businesses to borrow through Funding Circle. However, it s important to remember that some businesses will not be able to fully repay their loan. We call this a bad debt.

Diversification is the best way to manage risk. This simply means spreading your lending across hundreds of businesses, so you re only lending a small amount to each one.

It only takes a few minutes to register.

How do I become diversified?

  • Lend to at least 100 businesses
  • Lend no more than 1% of your total to each one

Every investor who has followed these 2 simple steps has earned a positive return (1 January 2016).

We ve built an easy tool to help you diversify, just look out for Autobid in your account.

We re transparent

About our fees

1% Annual Servicing Fee

Based on the amount outstanding on any loan and collected when the borrower makes a payment.

0.25% Sale Fee

Payable if you sell any of your loan parts to other investors.

And about our performance

We publish all performance information, including the all time actual return across all investors and our bad debt rates on our statistics page. You can also keep up to date with your own investment by logging into your account.

As featured in

Some traditional banks are unaware of the competition they face and the way upstarts such as Funding Circle are disrupting bank lending.

Lending marketplaces such as Funding Circle have gained the trust of consumers by offering transparency and providing lower rates than banks to borrowers.

This month the FCA began regulating the sector for the first time, giving it an official stamp of approval.

Within an hour of posting on Funding Circle, the company met its target. By the end of the week, they had raised 75,000 from 600 investors at a competitive rate.

Have any questions?

Download our free investor guide to read more about how it works and important information about lending through Funding Circle.

It only takes a few minutes to register.

*The current estimated return is an estimate of the annual return after fees and bad debts that investors could earn from lending money to businesses seeking loans today. It is calculated by taking the gross interest rate less fees and estimated bad debts that will occur in the future for each of the last 100 loans accepted on the marketplace. The average return is compounded and before tax. The return is updated daily. See the full calculation here .

** Funding Circle is supported by the British Business Bank, a development bank wholly owned by the UK Government. In 2014, the Government-backed British Business Bank Investment Programme invested 40 million alongside other investors, to support economic growth by providing more efficient finance to small businesses.

The British Business Bank and its subsidiaries do not offer bank accounts, take deposits or provide regulated banking services. The British Business Bank provides its financial support to smaller businesses through its delivery partners. Any decisions to provide finance to smaller businesses are made by Funding Circle not by the British Business Bank.

investors in the UK

have lent to businesses

lent to British businesses

Investment through Funding Circle involves lending to small and medium sized businesses, so your investment can go down as well as up.

Funding Circle Limited is authorised and regulated by the Financial Conduct Authority under firm registration number 635439. Funding Circle is not covered by the Financial Services Compensation Scheme. Registered in England (Co. No. 06968588) with registered office at 71 Queen Victoria Street, London, EC4V 4AY.

Copyright Funding Circle 2016. All rights reserved


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Business Continuity Planning for Hedge Funds and Investment Firms #unique #business #ideas


#business continuity plan

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Business Continuity

Eze Business Continuity Planning

Hedge funds and private equity firms firms must react swiftly, methodically and successfully when confronted with unexpected business disruptions or else risk significant financial loss. This level of response requires extensive business continuity planning to ensure all aspects of a firm’s business are evaluated and protected.

Effective Business Continuity Planning (BCP) can help minimize financial loss and the negative effects of disruptions on an investment firm’s strategic plans, market position, operations, and reputation.

Eze Castle’s Business Continuity Planning Services (Eze BCP) extend beyond technology to focus on critical operations and processes that hedge funds or investment firms must have available if a disaster strikes. Our Eze BCP consultants are certified experts in business continuity planning and possess deep knowledge of the unique operations of financial services firms.

This combined expertise means a client gains a custom, comprehensive BCP plan developed and managed by professionals that understand the client’s business. And our hedge fund business continuity consultants work with clients to address the full spectrum of BCP.

Eze BCP Features

  • Delivered by Certified Business Continuity Professionals who work exclusively with hedge fund and private equity firms
  • Industry-specific experience, knowledge and focus make our team pros at identifying a company’s potential exposures — our team knows the risks facing the investment management industry
  • Proven methodology to ensure your firm is prepared for the unexpected
  • Annual review of BCP documentation and updates to account for business changes
  • Employee training sessions and executive roundtables run by an Eze seasoned hedge fund business continuity consultant

Learn More about BCP

Learn more about Eze Castle’s business continuity planning service and how our certified BCP experts can prepare your firm for a disaster.

This guidebook is designed to help hedge fund managers of all sizes develop an understanding of both the BCP and DR planning processes.

Eze BCP Methodology

1. Risk Assessment

Our business continuity consultants will identify and prioritize potential business risks and disruptions based on severity and likelihood of occurrence. Key elements of Eze Castle’s Risk Assessment phase include:

  • Evaluation of the company’s risks and exposures
  • Assessment of the potential impact of various business disruption scenarios
  • Determination of the most likely threat scenarios
  • Assessment of telecommunication recovery options and communication plans
  • Prioritization of findings and development of a roadmap

2. Business Impact Analysis

Eze Castle’s hedge fund BCP experts will collect information on a wide range of areas from recovery assumptions and critical business processes to interdependencies and critical staff. Key elements of Eze Castle’s BIA phase include:

  • Determination of the maximum amount of downtime business processes can withstand
  • Development of recovery point objectives and recovery time objectives for critical functions (e.g. applications, systems, etc.)
  • Identification of critical business processes and workflows and the supporting applications
  • Outlining of internal and external dependencies
  • Determination of critical staff members as well as backups with similar skill sets

3. Strategy and Plan Development

Our certified business continuity planners will create department, division and site level plans for your business. Key elements of this phase include:

  • Synthesis of Risk Assessment and BIA findings
  • Development of plans for department, division and site level contingencies
  • Review of plans with key stakeholders to obtain executive sign-off on overall plan
  • Creation of offsite, secure web repository where the firm’s BCP plan is stored for easy access from virtually anywhere during an outage or disaster

4. Plan Testing, Training and Maintenance

Business continuity plans are living documents and must be updated annually to ensure they account for changes within the firm as well as any changes in risk scenarios. Key elements of this ongoing phase include:

  • Conducting of tabletop and simulation exercises to help ensure employees are effectively trained
  • Development of employee training sessions
  • Review of BCP, business impact analysis and risks annually by an Eze hedge fund business continuity consultant
  • Execution of the annual review process to guarantee new threats and business process changes are accurately represented in the BCP

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New Business Ideas with low investment in India #secured #business #loans


#low investment business ideas

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Business Ideas with Low Investment in India

There is a familiar belief that starting a business needs a huge amount of investment. This is not the case for every type of business. You can run businesses with low investment, even from your home. India is a land of many opportunities. You can start a business in India with a nominal amount of investment and grow your business. Given below are some profitable small business ideas, with low investment, in India.

List of Best Low Investment Business in India

Home canteen

Running a home canteen is an excellent idea for a business with low investment. You can cook different types of tasty food and supply them to offices, factories, and other customers. Of late, the business of cooking and food supplying has garnered significant popularity and it is a profitable small-scale business. The success of your home canteen will depend on providing quality food and giving timely service.

Dance Instructor

You can work as a dance instructor and this does not require a whole lot of money. You can open your own school or work as a freelance dance instructor. Since dance forms an integral part of Indian culture, many parents like their kids to learn dance from a very early age. Therefore, there are plenty of opportunities for a dance instructor to earn both fame and money.

Fashion designing

You can work as a fashion designer and start your business venture with a low investment. For this, you will need to undergo a full time or part time course on fashion designing. Start with traditional Indian clothes since they are the most sought-after outfits at the present time.

Data Entry jobs

Data entry jobs do not ask for a big amount of investment. If you have a computer at home and Internet connection, you will get a host of data entry jobs by sitting at your home. Data entry jobs are outsourced to freelancers and other organizations so it is not so difficult to grab a project. However, you should remember that you have to finish the task within a certain time period. Filling up forms online is a popular example of data entry jobs on the Internet.

Affiliate Marketing

Affiliate marketing is the method of merchandising the goods and services of another organization on their behalf. Here you work as the affiliate of that organization. Whenever you sell a product, you will be entitled for a commission. The amount of commission will depend on your agreement with the company whose products you are selling.

Web Development

Like other small investment businesses, starting a web development company is possible without a huge amount of investment. If you are familiar with web development processes, you can start a business on your own with a PC with Internet connection and software. Once your business reaches a sizable scale, you can employ a few web development professionals who can run your business adeptly. The most difficult part of this business is getting projects. You have to obtain projects constantly for sustaining your business.

Home Made chocolates

Making chocolates in your home is a moneymaking business. You just have to get the ingredients that are essential to make chocolates at home. After preparing the chocolates, pack them with fancy wrappers to add creativity and make them more attractive.

Event management

Event management is a cost-effective business option for people who are interested in organizing different types of events and functions.

Wedding consultant

Weddings are big events in India and take a lot of time. You can work as a wedding consultant to make things simpler and manage them for people who just don’t have the time to do it for themselves.

Industry/factory tour planner

You can open a business for an industry/factory tour planner with a small amount of investment. Start an agency which will conduct industry or factory trips. Hire a small number of people who are experienced in the job of factory tour guides. Look for contracts from companies that are looking for industry/factory tour planners. This will take some time in the initial stages. However, when the contracts keep flowing in, you will start making money gradually.

First aid instructor

If you have sufficient knowledge regarding first aid, you can start working as a first aid instructor. There are abundant opportunities for first aid instructors in schools, colleges and various educational institutes. You can work either as a full time or part time first aid instructor. Purchasing a first aid box is necessary for this business.

Art and crafts

You can open an arts and crafts stall. Though this type of a business venture requires some more investment than the so-called low investment business options, it is definitely a lucrative venture. There are many people in India who are ardent art and handicraft collectors and they constantly look for these items. They can pay any price for their favorite item. So, think about opening an art and crafts shop right away. You can get a bank loan for this business venture from various financial services providers and banking institutions in India.

Daycare Center

Daycare Center is an excellent business choice which necessitates a trivial amount of investment. The most attractive part of this business is that you can do it from your house. In addition, there is no requirement to make a huge investment on infrastructure. The things you have to purchase include books, toys, and games for the kids. The other things are there in your home. Nonetheless, you might have to redesign your home as per the requirements of the kids. A number of safety measures need to be adopted such as keeping electrical devices in a place which is inaccessible to the kids and meshing the veranda.

Consultation

Consultation is a good business choice to start with a nominal amount of investment. You can work as a financial consultant or a real estate consultant if you have the requisite qualifications and expertise. As a financial consultant, you can guide people on doing the right investment at the right time. As a real estate consultant, you can help people in buying and selling of real estate. Other types of consultancies such as architectural and home design consultancies are gaining popularity.

Child Care

Running a child care unit is also a lucrative business option. However, you have to ensure that you have got the infrastructure and facilities to run a child care center at your home. Remember that you have to be extensively trained in first aid to run a child care center.

BPO

BPO or business process outsourcing is a profitable business in India. Under this process, the responsibilities and functions are contracted to a third party. You will find lots of outsourcing jobs on the web. If you have a PC at home with Internet connection, you can turn it into a home-based business by procuring BPO jobs. Some of the popular BPO jobs include medical transcription and data entry jobs.

Bookkeeping

You can run bookkeeping or accounting business from your home. If you are well acquainted with bookkeeping, accounting processes, and accounting standards, you can look for bookkeeping jobs that can be done from your residence. You need a computer with Internet connection and some accounting software packages that you need to install in your PC.

Mobile repairing

The mobile repairing business is also a moneymaking business. Since mobile phones have become an integral part of our day to day life, servicing and repairing mobile is essential whenever a problem occurs. You have to hire experts who have the understanding of the ins and outs of mobile and cellular phones.

Computer repairing

Similar to mobile repairing, computer repairing can help you make money. You can run this business from your home. Knowledge of computer hardware and kits for servicing computers are the necessary resources for this business.

Which Business is Good to Start in India


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110 Small Business Ideas With Low Investment Capital #small #business #consultant


#small business ideas

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List of creative and unique small business ideas you can start with little capital.

Small business ideas abound around us. Are you looking for small business ideas in Hindi or India? Perhaps you are in a different region. You may be looking for small business ideas in UK, Philippines or Nigeria. We have researched various small business ideas you can start with low investment. Before you continue reading this article, let me give you a hint that it is going to be a long list of small business ideas. However, for you to make most of it, you should not just rush the article by scrolling from the top to the bottom. Even if you are looking for a specific business idea, you may stumble on other good business ideas that may catch your interest. Perhaps a particular business idea does not appeal to you, that does not mean you should not read it. Who knows whether by reading it, something may spark up in you that will lead to the birth of your own new business idea. When looking for business ideas, you need to keep your mind open. Otherwise, certain opportunities may just be passing you by. Therefore, you should be willing to read to digest and not just to have a glance at the list of the business ideas. Or else, it will be like magical words; the more you look, the less you see.

A lot of people usually ask me; what are the most lucrative small businesses to start? This article may not be able to provide specific answer to this question because the most lucrative small businesses is relative. What is considered the most lucrative small business ideas in India may not be profitable small business ideas in UK. However, from the list of small business ideas covered on this page, you will be able to identify the one that will help you start your dreamed small business. Nevertheless, list of creative and unique small business ideas discussed in the next eighteen pages is broad enough to cover the enquiries we received. You need to be patient enough in order to digest it. For people that may be willing to read in detail, I have dedicated a page within this article to help the readers come up with small business ideas they can start almost immediately.

If you are looking for small business ideas with low investment capital, affiliate marketing is probably one of the quickest and cheapest small business ideas to start making money online. The reason is that, you don’t have to create any products yourself. Your task is to link up a buyer and a seller. You will be paid a commission on the sale that has been referred by you. In some cases, you don’t need to sell products to earn a commission. We have different affiliate programs and they use different payment terms. Examples are; Pay per sale, pay per lead and pay per click. It is good home business ideas for men and women. The advantages of affiliate marketing are numerous. Few are listed below:

  • It is cost effective as you don’t need to bother yourself about production costs.
  • The market is global
  • Becoming an affiliate is free
  • Both storage and shipping are taken care by the seller
  • The seller handles customer complaints for you
  • It can be run as a side business
  • You can run the business from home

Animal Feed Production

One of the lucrative small business ideas you can consider is animal feeds production. People eat meat, chicken, turkey and eggs every day. But before it gets to that level, there is need for rearing. All these livestock require feeds for them to grow. If you can formulate a diet that combines different feedstuffs that meet the energy and protein requirements of animal, animal feed production can be a good small business idea for you. Animal feed production can be operated as home business. However, you should ensure that you don t infringe the zoning rules governing your area. You should also ensure you obtain permits before you start the business. If you are searching for small scale manufacturing business ideas, animal feed production is a small scale business idea that can grow to become a big company. Because of the associated costs involved in production, it will be good if you can get the feed ingredients at good prices. Buying in bulk can make you enjoy discounts. However, this requires money except your suppliers are ready to sell to you on credit. Getting your formula for the mix of ingredient right will result to the production of feeds that are rich in protein, energy and vitamins. These are vital basic nutritional elements a good animal feed is expected to contain. You can sell your products through distributors, wholesalers or retailers. You can even sell directly to local farmers.

If you are good at child caring, babysitting can be among the list of small business ideas you can consider. Why should you consider this as a business idea? It is because of the unique advantages it has over other small business ideas. These include the following:

  • It is not seasonal
  • It is recessional-resistant
  • It is business idea you can start without investment
  • It is a good home business

Baby sitting is a good home business idea for women and teen. Nevertheless, it is important that you consider the responsibilities involved and the consequences before you start this business. As a babysitter, you will be responsible for a change of diaper, bathing and the safety of the baby. Therefore, you need to prepare yourself before hand. Also, you need to determine the kind of kids you will be comfortable with. Can you look after newborns or kids with special needs? It is important that you ask necessary questions before you accept a babysitting job. As a beginner, you can secure your first sitting job by telling people within your neighbourhood about your new business idea. Kids can be very playful and sometimes annoying. Therefore, you need to be an entertainer. You don t need to have all the skills required before you start the business, you will learn from parents and other babysitters as you go on.

If you are good at baking cake, bread or donuts, you will not only gain satisfaction, you can turn it into a money making venture. This is among small business ideas one can start as home business. There is growing need for baked products. Many people like eating freshly baked food but in actual fact, many of them don t know how or have time to bake it. Baking is one of the small business ideas with low investment capital. You don’t need extra capital to rent a space. It is flexible enough. However, except you already have the equipment needed for your new business idea, you will need to buy appliances like ovens, refrigerators, pans and other utencils. You can decide to run it as a counter service bakery where individuals can walk in and pick baked products. Alternatively, you can make it a specialty service. In this case, you need to specialise on a particular kind of baked product. If you can establish yourself as a specialty, people and bigger eateries will start contacting you for business. As your baking business begins to grow, you will need to start producing in larger quantity. If you want to sustain the growth, it is advisable that you don t compromise on quality. Also, getting adequate feedbacks from your customers will help you ensure that you are meeting their needs. As long as you maintain the quality of your products, people will continue to patronize you. Baking requires a lot of time both in production and marketing. Therefore, you need to know the right time you need to hire a staff to assist you. We classify baking among home based small business ideas for women.

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Foreign Direct Investment Definition from Financial Times Lexicon #income #investment #definition


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Definition of foreign direct investment

Investment from one country into another (normally by companies rather than governments) that involves establishing operations or acquiring tangible assets, including stakes in other businesses. [1]

The purchase or establishment of income-generating assets in a foreign country that entails the control of the operation or organisation.

FDI is distinguished from portfolio foreign investment (the purchase of one country’s securities by nationals of another country) by the element of control. Standard definitions of control use the internationally agreed 10 per cent threshold of voting shares, but this is a grey area as often a smaller block of shares will give control in widely held companies. Moreover, control of technology, management, even crucial inputs can confer de facto control.

FDI is not just a transfer of ownership as it usually involves the transfer of factors complementary to capital, including management, technology and organisational skills.

Example
Strategically FDI comes in three types:

– Horizontal: where the company carries out the same activities abroad as at home (for example, Toyota assembling cars in both Japan and the UK.

– Vertical: when different stages of activities are added abroad. Forward vertical FDI is where the FDI takes the firm nearer to the market (for example, Toyota acquiring a car distributorship in America) and Backward Vertical FDI is where international integration moves back towards raw materials (for example, Toyota acquiring a tyre manufacturer or a rubber plantation).

– Conglomerate: where an unrelated business is added abroad. This is the most unusual form of FDI as it involves attempting to overcome two barriers simultaneously – entering a foreign country and a new industry. This leads to the analytical solution that internationalisation and diversification are often alternative strategies, not complements.

FDI can take the form of greenfield entry or takeover.

Greenfield entry implies assembling all the elements from scratch as Honda did in the UK, whereas foreign takeover means the acquisition of an existing foreign company – as Tata’s acquisition of Jaguar Land Rover illustrates.

Foreign takeover is often covered by the term ‘mergers and acquisitions’ (M ?>

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PrefInfo – from Hymas Investment Management Inc #james #hymas, #james #i. #hymas, #hymas, #pfd,

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Disclaimer

Information on this website is provided by Hymas Investment Management as a public service. Only certain information regarding each issue is reported here and important information regarding the issues may be available in the prospectus for the issue and not reported here. Every effort has been made to ensure that the information on this site is accurate, but accuracy is not guaranteed. If you find an error, let me know and get a free copy of PrefLetter. Some information may have been simplified [see, for example, the discussion of Retraction ] for analytical convenience; users are urged to verify the summary information provided on this site with the prospectus prior to taking investment action. Nothing in this website should be taken as a recommendation for the purchase or sale of any securities; please consult your personal financial advisors. Hymas Investment Managment and/or its clients may from time to time have long or short positions in the securities discussed on this website.

Notes

Instruments listed with the row highlighted in red are no longer tracked by HIMIPref , but highlighting is not complete as of 2013-8-22.

For issues not listed here, visit PrefBlog. and use the Search function to find the ticker. It may have been mentioned!

Ticker

  • Short Name
  • Long Name

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    Jay Tobias #financial #advisor, #financial #planner, #investments, #ria, #cfp, #registered #investment #advisor, #independent #financial

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    Jay Tobias Bend, Oregon

    Jay S. Tobias is a financial advisor employed by LPL Financial in Bend, Oregon. With over 23 years of experience and 4 exams passed, Jay Tobias maintains the following registrations:

    Investment Advisor
    Jay Tobias is registered with the SEC as an Investment Advisor, which is defined as someone who is paid to provide advice about securities. Investment advisors can also be paid to manage investment portfolios or offer financial planning services. Other terms commonly used for investment advisors include Investment Advisor Representative (IAR) and Registered Investment Advisor (RIA).

    Broker
    Mr. Tobias is also registered with FINRA as a Broker (sometimes referred to as a broker-dealer registered rep. or RR ). Brokers are the sales personnel who work for larger brokerage firms. These firms (also known as broker-dealers ) are in the business of buying and selling securities such as stocks, bonds, mutual funds and other investment-related products. These firms are also registered with FINRA and can engage in securities transactions on behalf of its customers (as broker) or for its own account (as dealer).

    Advisor data current as of May 15, 2017

    Fees and Services

    Types of fees charged:

    • Percentage of Assets
    • Hourly Charges
    • Commissions
    • Fee Only

    Advisory services offered:

    • Financial Planning
    • Portfolio Management for Individuals
    • Portfolio Management for Businesses/Institutional
    • Educational Seminars
    • Securities Portfolio Management
    • Selection of Other Advisors
    • Wrap Fee Program
    • Other Advisory Services

    State Registrations

    Financial advisors must register with each state in which they conduct business. Below is a record of each state where Jay Tobias maintains an active registration.

    For those interested in managing some of your investments on your own we have more research tools that may be of assistance. Below is a sample list of funds from our Mutual Funds Research Topic. where you can sort and filter mutual funds based on annual performance, ratings, fees and much more. We also publish an up-to-date Online Brokers Research Topic which lists current promotions and a Smart Rating Score for each firm.

    Mutual Funds Research Topic

    Find Highest-Rated
    Mutual Funds >>

    Data updated on May 15, 2017 via the following sources:
    SEC Investment Advisor Public Dislcosure: adviserinfo.sec.gov
    FINRA BrokerCheck: brokercheck.finra.org


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    Return On Investment (ROI) #total #return #on #investment


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    Return On Investment – ROI

    BREAKING DOWN ‘Return On Investment – ROI’

    Return on investment is a very popular metric because of its versatility and simplicity. Essentially, return on investment can be used as a rudimentary gauge of an investment’s profitability. ROI can be very easy to calculate and to interpret and can apply to a wide variety of kinds of investments. That is, if an investment does not have a positive ROI, or if an investor has other opportunities available with a higher ROI, then these ROI values can instruct him or her as to which investments are preferable to others.

    For example, suppose Joe invested $1,000 in Slice Pizza Corp. in 2010 and sold his shares for a total of $1,200 a year later. To calculate the return on his investment, he would divide his profits ($1,200 – $1,000 = $200) by the investment cost ($1,000), for a ROI of $200/$1,000, or 20%.

    Ready to start investing? See which broker offers the best portfolio management experience here .

    With this information, he could compare the profitability of his investment in Slice Pizza with that of other investments. Suppose Joe also invested $2,000 in Big-Sale Stores Inc. in 2011 and sold his shares for a total of $2,800 in 2014. The ROI on Joe’s holdings in Big-Sale would be $800/$2,000, or 40%. Using ROI, Joe can easily compare the profitability of these two investments. Joe’s 40% ROI from his Big-Sale holdings is twice as large as his 20% ROI from his Slice holdings, so it would appear that his investment in Big-Sale was the wiser move.

    Limitations of ROI

    Yet, examples like Joe’s reveal one of several limitations of using ROI, particularly when comparing investments. While the ROI of Joe’s second investment was twice that of his first investment, the time between Joe’s purchase and sale was one year for his first investment and three years for his second. Joe’s ROI for his first investment was 20% in one year and his ROI for his second investment was 40% over three. If one considers that the duration of Joe’s second investment was three times as long as that of his first, it becomes apparent that Joe should have questioned his conclusion that his second investment was the more profitable one. When comparing these two investments on an annual basis, Joe needed to adjust the ROI of his multi-year investment accordingly. Since his total ROI was 40%, to obtain his average annual ROI he would need to divide his ROI by the duration of his investment. Since 40% divided by 3 is 13.33%, it appears that his previous conclusion was incorrect. While Joe’s second investment earned him more profit than did the first, his first investment was actually the more profitable choice since its annual ROI was higher.

    Examples like Joe’s indicate how a cursory comparison of investments using ROI can lead one to make incorrect conclusions about their profitability. Given that ROI does not inherently account for the amount of time during which the investment in question is taking place, this metric can often be used in conjunction with Rate of Return. which necessarily pertains to a specified period of time, unlike ROI. One may also incorporate Net Present Value (NPV). which accounts for differences in the value of money over time due to inflation, for even more precise ROI calculations. The application of NPV when calculating rate of return is often called the Real Rate of Return .

    Keep in mind that the means of calculating a return on investment and, therefore, its definition as well, can be modified to suit the situation. it all depends on what one includes as returns and costs. The definition of the term in the broadest sense simply attempts to measure the profitability of an investment and, as such, there is no one “right” calculation.

    For example, a marketer may compare two different products by dividing the gross profit that each product has generated by its associated marketing expenses. A financial analyst, however, may compare the same two products using an entirely different ROI calculation, perhaps by dividing the net income of an investment by the total value of all resources that have been employed to make and sell the product. When using ROI to assess real estate investments. one might use the initial purchase price of a property as the “Cost of Investment” and the ultimate sale price as the “Gain from Investment,” though this fails to account for all of the intermediary costs, like renovations, property taxes and real estate agent fees.

    This flexibility, then, reveals another limitation of using ROI, as ROI calculations can be easily manipulated to suit the user’s purposes, and the results can be expressed in many different ways. As such, when using this metric, the savvy investor would do well to make sure he or she understands which inputs are being used. A return on investment ratio alone can paint a picture that looks quite different from what one might call an “accurate” ROI calculation—one incorporating every relevant expense that has gone into the maintenance and development of an investment over the period of time in question—and investors should always be sure to consider the bigger picture.

    Developments in ROI

    Recently, certain investors and businesses have taken an interest in the development of a new form of the ROI metric, called “Social Return on Investment ,” or SROI. SROI was initially developed in the early 00’s and takes into account social impacts of projects and strives to include those affected by these decisions in the planning of allocation of capital and other resources.

    We interviewed supermodel Jessica Perez about launching her app “Tycoon”. Watch her story here .


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