Category Archives: Investments

Hunter Ceiling Fans Are Worthy Investments

People will always seek comfort wherever they are. During hot days, nobody wants to be drenched in sweat especially inside their homes. If the homeowners can’t afford the cooling technology of the air-conditioning systems, they can always switch to more affordable and cost-effective units of Hunter ceiling fans.

The use of ceiling fans is a more practical way of bringing in some coolness to the home. When the blades start to rotate, you will instantly feel their cooling breeze. It should be remembered, though, that the fans work only if the breeze that they produce comes in direct contact with the body. It’s useless, therefore, to have them working when no one is present inside the room.

The use of ceiling fans can indeed be cost-effective. They don’t require a lot of energy in order to run. The amount of power they need to work is just equivalent to what it takes to light up a bulb. Just think about the savings you can get from your utility bills if you opt for these units rather than rely on the air-conditioning systems. With these in place, you would be cooling off inside your home without any sweaty problems on bill payments later.

When shopping for ceiling fan units, it is always a smart move to get high-quality ones. Hunter ceiling fans are considered the best in the industry. The company who manufactures these products has been around for more than a century. Their long-standing existence is a testament to the superior quality of their units.

Hunter ceiling fans have very quiet yet powerful motor performance. Loud noises are what you would expect to hear from most low-quality brands. But this is not the case with the Hunter units. Their fans function superbly without that usual buzzing sound. The blades are perfectly-balanced and they come in exquisite designs and colors. These high-quality ceiling fans for the home are really worthy investments.

Enhance the beauty of your home with different hunter ceiling fans and amazing indoor lighting.

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How To Protect Your Investments In Bankruptcy

Serious financial problems rarely happen when you expect them. Personal injuries or other illnesses that leave you disabled can cause huge medical bills to pile up yet cut off the only source of funds you have to pay off your debts. Sixty-two percent of all bankruptcies filed in 2007 were linked to medical expenses. That is almost 20 percentage points higher than 2001. Unfortunately, the numbers aren’t getting any more encouraging. One would expect these figures to indicate a large amount of uninsured individuals, yet for people filing for bankruptcy in 2007, nearly 80 percent had health insurance. As medical costs rise, this is going to be an increasing issue. For individuals suddenly stricken with illness or disability, the inability to work is a new experience. Many people who have invested wisely throughout their working careers to build a nest egg for retirement are tempted to liquidate investments in order to pay off pending debts. This doesn’t have to be the case. If your savings are in a 401K or an IRA account, there are ways that these assets can be protected from creditor judgements. In 2005, the government realized that individuals filing for bankruptcy need to have certain assets available to them in order to move forward after filing. Stemming from this and other realizations, the government changed bankruptcy law. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 protects tax-qualified retirement plans including pensions, profit-sharing, and IRA plans valued at up to $ 1 million from creditors in the event of a bankruptcy. IRAs are the largest component of the U.S. retirement market and most investors hold these assets in traditional IRAs, which are funded by rollovers from employee-sponsored retirement plans and other contributions. They often provide easier access to money, have a wider range of investment choices, and may have lower fees. For investments in a 401K, the traditional form of retirement sponsored by employers, creditor protection in bankruptcy is unlimited. When filing for bankruptcy, you simply need to declare your 401K as an asset exempt under the federal or state provisions. If you are seriously considering filing for bankruptcy in the Los Angeles area and want to find out more about how to protect your investments from creditors, contact the firm that focuses exclusively on California bankruptcy laws: Borowitz and Clark. Every day, the Los Angeles bankruptcy lawyers at Borowitz and Clark help people save their homes, their cars, and wipe out their debts. While the process appears complicated, the Los Angeles bankruptcy lawyers at Borowitz and Clark will be able to help you understand your options and avoid making bad decisions. You get one chance to file bankruptcy right the first time. They know what they’re doing, because bankruptcy is all they do. Unlike many firms, they never leave a paralegal or secretary in charge of a case. That’s why their cases succeed at such a high rate—even higher than many other bankruptcy firms. For a free consultation, contact a qualified Los Angeles bankruptcy lawyers at Borowitz and Clark toll-free at 800-509-3200, or visit

Brian Reed. los angeles bankruptcy lawyers – Contact the law office of Borowitz & Clark, experienced bankruptcy attorneys who take your case from start to finish.

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Risks Versus Returns on Coin Investments

Risk has an inverse relationship with returns. The riskier you are willing to go, the higher the returns. But, being in risky situations all the time is not safe. It may catch up to you one day or another. But how can you get the returns you want without all the risk? This is where good strategy can eliminate all your worries. If done correctly, you could achieve maximum returns without the any risks!

When you cut off all the risks, the returns are always low. Sometimes too low. So investors usually diversify their portfolios to lower their risks. This usually lowers their risks without sacrificing returns. What they usually do is put a certain percentage in extremely risk investments, then another chunk in medium risk investments, and most of it into safe investments. What they want to achieve is the highest return possible. But they always lose a lot of money in some of their riskiest investments. And then they lose some in the medium risk investments. The safe investments are usually safe. They could easily make more money if they do not lose money in their riskiest investments. But, this is inevitable because they were called risky investments for a reason. Their problem lies in the fact that their safest investments always give the lowest returns.

It’s a bit different with coin investments. In coin investments, the riskier coins usually have negative returns. So this means that you have to pick safe coins to invest in. But the same underlying problems still remain. Safe coins usually yield mediocre returns. I consider any coin that yields 6% a year or less is not a good investment. It doesn’t seem bad so why would I consider it a low return? Because it is an average of 6% over a couple of years. You would have to wait a couple of years for the coin to appreciate in value. You will get your 6% per year, but you don’t know when. I think if you have to play the waiting game, you should at least get 7.5% per year or more. That’s why I consider 6% a low return.

But if you know some good strategy, you might be able to get your high returns while cutting off all the risk. To counter the low returns and cut off all the risks you must diversify your portfolio in a certain way. All you have to do is buy high grade key dates to get your high returns. To cut off the risks you have to buy a different key date every time you buy an investment coin. So if you had 20 coins in your portfolio, you should have 20 different coins. Every single time you buy a different coin, your coin portfolio becomes more diverse. And the more diverse your portfolio is, the less risk there is. Sometimes I think that if this is done correctly, there will be almost 0% risk.

For more information on rare coin investments, please visit

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Great Investments For The Home Entertainer

If it seems as though every Christmas, birthday party, graduation party, and Fourth of July (amongst others) are held at your house – you are probably no stranger to entertaining. Whether most of your events are held indoors or outdoors, there are some investments you can make that will make your life easier and your guests times more enjoyable. Whether they’re saving you a trip to the store or providing a conversation piece – these fun and helpful party items are a must for any host or hostess.

· Although you may associate them with weddings or fancy dinner parties, chocolate fountains are a great investment for anyone who enjoys entertaining. These easy to maintain items can be found at any cooking store and are extremely reasonably priced. You won’t have to worry about supervising it the entire time and your guests will have a fun new way to enjoy appetizers. You’ll look like a professional party host and you’ll have it for every event to come.

· If you’re constantly looking for platters and bowls to serve food on during every party, investing in a matching set will be something you will definitely benefit from. Many sets are available at cooking stores that include punch bowls, serving trays, and even serving tools like ladles and tongs. If you don’t have a cooking store nearby, you can also find items like these at any party store. Investing in a little more expensive, but higher quality, set will ensure that you will have these useful items for years to come. Never again will you have to spend an afternoon searching for dishes and plates to house your menu selections.

· If you entertain outdoors often, you know that there’s very little you can do to prevent bugs from hovering around food spreads. Instead of constantly swatting flies away – invest in some clear plastic food covers. They’ll keep your food protected from the bugs while still allowing party goers to see what’s underneath them.

· Another great investment for outdoor entertainers is high quality patio furniture. Sure, it’s easy to go out and replace cheap, broken chairs with more cheap chairs – but repeating this process every year can be both costly and annoying. By investing in patio or lawn furniture that you can either spray down with the hose or wash the seat/cushion covers mid-season, you’ll be able to easily maintain this furniture that will last you through multiple seasons.

· If you’ve ever planned an outdoor event and you’re worried that your porch won’t be large enough for everyone if it starts to rain, an outdoor canopy is something that will take away that lingering fear. Whether you’re using it to house chairs on a rain threatening afternoon or you’re using it as shelter for the food on an extremely sunny day, a small canvas canopy is easy to put up and down and has multiple uses.

So whether you’re an avid entertainer or are just getting into the game – making these investments will be something that both you and your guests will benefit from. Just as you would plan ahead for a vacation, think of your parties in the same light. The more experience you have, the better you’ll be at planning and organizing things. By having these helpful items already in the home, you’ll be a step ahead when it comes to getting things together.

Jonathan works for Your Home Supply (YHS) the definitive website for home improvement tools, and gardening supplies. Your Home Supply offers a wide range of cabinet pulls and cabinet knobs to help customers with their home remodeling ventures..

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Beating Inflation With Your Investments

As the United States of America continues to spend more than it collects in taxes and thereby significantly increases the budget deficit, eventually two things will need to happen: an increase of taxes to pay back the overspending and inflation as the United States prints money to help cover the overspending.

Knowing that we are very likely heading into a period of high inflation, we can start planning and acting now to select investments that are much more likely to be inflation friendly.

Investments that have very low returns like Certificates of Deposit are often losing ground to inflation. Here’s an example. If you placed $ 100,000 in a CD that was earning 4% per year for 5 years and the inflation rate for that same 5 years exceeded 4% per year, the money you actually get back-even with the interest added-is worth less than the initial $ 100,000 that you started with in terms of your buying power.

Therefore, a key factor in beating inflation with your investments is to get a return on your money that is greater than the inflation rate.

It helps if you happen to know what the inflation rate is (or at least what it has been historically) to know what rate of return you need to aim for to beat inflation. Inflation over the last 10 years, a period some could argue has been the best of times, has ranged from a low of 1.55% to a high of 3.85%. However, if we expand our time period beyond our most recent decade, we can see a much different picture: decades with average annual inflation rates ranging from a high of 8.7% to inflation of -1.94% during the Great Depression.

While no one has a crystal ball, I personally believe we are headed toward inflation rates at least in the 5% range and probably much higher. With that in mind, I believe you should be aiming for fixed rate investments that will give you a return of 6% or more.

Could you invest in stocks and see that type of return? Sure, many stocks will beat a 6% rate of growth especially given a long time horizon, but which ones? And, if recent history is any indication, there is risk of significant declines in value as demonstrated by many stocks that have been halved in value over the last 18 months. Major declines of this nature make it very hard for those stocks to reach that 6% return.

One investment that offers a fixed rate, is secured by an asset that tends to go up in value with inflation and that usually is accompanied by a built in margin of safety based on equity is private real estate loans (also known as Trust Deed Investments). Provided you are investing in ones that are secured by real estate that is valued at least 25% more than your investment these may be a great investment vehicle to beat inflation.

James Orr is a professional real estate investor that works with buyers, sellers and private lenders. You can learn how to get a higher return on your money with trust deed investing on his blog or calling him directly at (970) 225-6989.

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Fund Management and Investments in Thailand

Asset management companies in Thailand are plentiful but few companies have as good a track record as Ayudhya Fund Management (AYF). The prestigious international Lipper Group Awards (an international industry evaluator of fund managers around the world) that this company has received in the past few years are evidence of this, as they are given to companies who provide the best returns for their clients.

AYF specializes in several areas including mutual funds, the Thai stock Market (SET), RMF and LTF investments, asset management, equity funds and fixed income funds. For more than a decade, AYF has offered this full range of investment products and services to their clients.

AYF was founded in 1996 as Ayudhya Jardine Fleming Co., Ltd. (AJF), a joint partnership between Bank of Ayudhya PCL and Jardine Fleming. In July, 1997 AJF successfully launched its first fund, the AJF Star Capital Fund, amidst the Thailand economic crisis. In 2001, the company changed its corporate name to Ayudhya JF Asset Management Ltd. to reflect a change in the shareholding structure of Jardine Fleming Asset Management Holdings and Chase Manhattan Corporation. In October, 2006 the company changed its corporate name again from AJF to AYF to reflect a change in the shareholding structure as the company is now a wholly-owned subsidiary of Bank of Ayudhya PCL, the fifth largest commercial bank in Thailand with over 560 nationwide branches and more than 8,500 employees.

AYF’s stated commitments to their clients include offering the most appropriate investment portfolios that best suit each client’s unique objectives and risk appetite. Working with their Operational Risk Department and Compliance Department, the company’s fund managers gather to set up each portfolio’s specific requirements (Risk, Return and Liquidity) and feed them into the highly sophisticated Charles River Investment Management System (CRIMS) to complete the client’s portfolio.

The company is led by Mr. Chatrapee Tantixalerm, its CEO. It’s been under his three-year tenure as CEO that Ayudhya has garnered its prestigious Lipper Group Awards. And it seems that his own personal philosophy towards his job is one of the reasons for the company’s success, “For me, the most satisfying feeling is returning benefits to our clients.”

Whatever the reason, AYF is one of the most successful asset management companies in Thailand and one of the most knowledgeable when it comes to investing in the Thai stock market and Thai government bonds. And, as their past record indicates, they are internationally recognized as one of the most effective companies in the country in delivering value to their investors on an ongoing basis, the most important trait for any asset management company to possess.

Read more about investing in Thailand at Find out about dining in Bangkok at

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Wall Street’s Overlooked High Performance Investments

As global stock markets tumbled during late 2008 many investors witnessed staggering losses in their IRA’s and 401K’s. However, not all investors were that unfortunate; some actually prospered reaping returns of +25% or more for 2008.

What did these investors know that you may have overlooked? Professionally managed futures and foreign exchange.

What are Managed Futures and Foreign Exchange?

The terms Managed Futures and Managed Foreign Exchange describes an industry made up of professional asset managers known as Commodity Trading Advisors (CTA) and Commodity Pool Operators (CPO).

Investment management professionals and sophisticated investors have been utilizing these investment instruments for over 30 years.

With practically a zero correlation to stocks and other traditional asset classes, one of the most attractive features of managed futures and foreign exchange investments is the ability of these asset classes to add profound diversification to an overall investment portfolio.

Benefits of Managed Products?

With little or no correlation to stocks, being one of the main benefits of managed futures and foreign exchange some others include:

-Ability to possible profit in rising and falling market environments.
-Reduced portfolio volatility.
-Provide return in economic environments in which traditional stock and fixed income investments offer limited -Return opportunities.
-Both individual managed accounts as well as pooled investments .
-Minimum investment sizes can be as low as $ 1000 in some fund based solutions.

CTA Performance Index (Average Performance of a Basket of Commodity Trading Advisors)

1980 (+) 63.69% 1990 (+) 21.02% 2000 (+) 7.86% 1981 (+) 23.9% 1991 (+) 3.73% 2001 (+) 0.84% 1982 (+) 16.68% 1992 (-) 0.91% 2002 (+) 12.36% 1983 (+) 23.75% 1993 (+) 10.37% 2003 (+) 8.69% 1984 (+) 8.74% 1994 (-) 0.65% 2004 (+) 3.3% 1985 (+) 25.5% 1995 (+) 13.64% 2005 (+) 1.71% 1986 (+) 3.82% 1996 (+) 9.12% 2006 (+) 3.54% 1987 (+) 57.27% 1997 (+) 10.89% 2007 (+) 7.64% 1988 (+) 21.76% 1998 (+) 7.01% 2008 (+) 14.09%

“Simply put, the logical extension of using investment managers with specialized knowledge of traditional markets to obtain maximum return / risk tradeoffs is to add specialized managers who can obtain the unique returns in market conditions and types of markets not generally available to traditional asset managers; that is managed futures.”

Thomas Schneeweis Professor of Finance University of Massachusetts

Risk and Reward of Managed Products:

While Commodities, in general, have sometimes been regarded as high risk investments in the past, over the period 1990-2001, the average annualized standard deviations of individual CTAs and the Dow Jones 30 industrials were very similar at approximately 25%.

More importantly, modern portfolio investment theory has shown that assets should be compared on a risk-adjusted bases (i.e. mean return and standard deviation) and that the potential benefit of adding an asset to an existing portfolio may be measured by an assets excess break even return or the difference between its actual return and the return required to improve an asset’s or portfolio’s Sharpe ratio.

In conclusion, managed futures and foreign exchange not lonely offer investors the ability to diversity their investment portfolios but to lower overall portfolio risk and volatility simultaneously. By adding managed futures and / or foreign exchange as an investment class investors can create more robust investment portfolios to protect themselves during turbulent investment environments.

Paul Skarp is a a principle and partner at ATG. For more information on how manager futures and foreign exchange can assist with your portfolio allocation –

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Using Macro Trader Themes in Your Investments

The average investor suffers from many problems. They pay higher fees, they get less information, they aren’t as educated in regards to investments, etc. Basically they are for the most part at a huge disadvantage to the professional investor. One of the great issues is that of not having and sticking to a vision. Most investors think that their portfolio is structured well and that they are in a good position to profit from their long term views. The truth is that most of the time the portfolio has drifted so far away from the original idea that an outsider looking in would have no idea what the investor is going for.

Say for instance that you have a long term view that emerging markets will continue to grow. How can you assemble a portfolio to take advantage of this? And how do most investors drift from this? Most investors will put together the portfolio and then the moment that one of the positions is down they will sell it and then go find some new stock that they just saw on TV. What happens is that over the span of a few months their portfolio is not represented of their long term views.

So how do you assemble and manage a portfolio to profit from your long term views? Well taking the example of emerging market growth you would look at going long several of the different emerging market country ETFs. You might buy some Brazil, Russia, India, China, Chile, South Korea, etc. Or you might just buy an emerging market ETF and then buy some of the individual country ETFs where you see even more opportunity.

The next step is to look at what else will benefit from growth in the emerging markets. Most traders would agree that if the emerging markets are to grow that most commodities will go up as well. You can buy some of the commodity futures contracts or the ETF for the respective commodity. You can also buy some of the different food, energy, and metals companies that supply everything to the emerging markets.

By looking broadly at the investment landscape you will have a better constructed portfolio and you will be better able to stay your course. Every month or quarter go in and look at individual positions and if they no longer fit your view then get rid of them but make sure that you replace them with a new position that still follows your theme. More money has been made following global macro themes then from an eclectic and random portfolio.

Macro Trader Themes help people profit and navigate the global financial markets using global macro themes. Macro Trader Themes is a global macro trading and research site.

When Good Investments Or Trades Go Bad

As a beginning investor one of the first lessons you will learn about the stock market is that things never go quite as planned. The market is a very uncertain thing that has a way of humbling both beginners and the most skilled stock traders and investors. Understanding that things will happen and it won’t always go your way is an important part of having the correct frame of mind when investing your money.

There are a ton of stock research tips that every investor should use when dissecting every little bit of data possible to find the best investment for their account. There are definitely certain ways that you can view historical data to help understand when a stock is undervalued or overvalued. There are many ways in which you can parse through all of the financial information available about a specific company and help understand what may be going on. There are also ways in which the investor can look at chart patterns and try to figure out technical support or resistance levels. All of these things are very helpful and I encourage investors to use every single bit of information available to them to make the most informed decision possible. Having said that, even with all of these great tools and tips, there are going to be times when even the very best investments or trades go bad. The “sure thing” stock turns into a terrible disappointment, or the historically sound company makes a terrible financial mistake. Simply put, it is going to happen to you at one time or another. The thing about investing in stocks is that while most people can do it and be profitable, no one can do it and have a 100 percent track record.

What should you do when these seemingly brilliant trades or investments go wrong? First of all, it is extremely important to try to determine exactly what went wrong. Understanding what has occurred to make the financial move you made a bad one is extremely important, because one needs to be able to learn from this kind of occurrence. Though it may be difficult to do, especially at first, it is wise to look at these kind of times as an opportunity to develop a deeper understanding for how the market works and what all can go wrong in the entire process. Understanding the process of investing in stocks and how the best investments can turn south in no time is a learning experience that can make you a much better investor in the long run.

In this particular instance, investing isn’t a whole lot different than the rest of life in general, there are simply things that occur that there is absolutely no way you can see them coming until they hit you right in the face. Don’t beat yourself up over something like this taking place, because it happens to everyone. If there is anything in it that you can learn from, remember those lessons for next time, but also realize that sometimes there are things that happen in investing that no one can see coming. Good investments go bad some of the time, that’s always the way it has been and that is the way it will continue to be!

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Photographers – 3 High Yield Investments

Photographers, more than workers in most industries, enjoy their work. Most photographers entered the field because they enjoyed the process of creating a work of beauty. However, in order to make a good living doing the work that they love, the photography needs to pay sufficient attention to the “business” part of a “photography business.” One key to at the business aspect is by spending capital improvement dollars effectively.

A photographer’s strong enjoyment of the creative side of the business can often color his judgment when it comes to using those precious capital investment dollars. For example, despite near complete client satisfaction with his images, many photographers feel that the right way to spend investment money is to buy and upgraded camera and lenses. For sure many times this is the right decision. However, most often the investments dollars are more critical in the area of marketing and process efficiency.

Common high reward investments include the following:

1. Upgrading from a PC to a MAC. Most photographers who have made the switch report the speed at which they can edit photos dramatically increases. This can free up time for other pursuits. In addition, using a MAC instead of a PC decreases the amount of downtime and time spent on technical support.

2. Paying for a professional upgrade to a photographer’s website. Most photography businesses depend on their website more than other businesses because in photography you can actually experience the product while visiting the website. Putting the best foot forward is critical. There are many superior photographers who are getting fewer business inquiries from the web than less talented photographers simply because the less talented photographer has presented his work in a more compelling way on the website.

3. Improve information system networks. Professional photographers rely more heavily on their networks than do most other industries. While they like other industries use their networks to send email and perform web research, they also need to upload their pictures to galleries, bogs and facebook. Often several photographers need to access and backup a group of images. All of this is completed much faster on an efficient network.

While there are a number of beneficial ways in which photographers can use investment dollars, most photographers should considered purchasing a Macintosh, upgrading their website and improving their information system network before any money is spent.

The author, through photo journalism, provides a unique expressive perspective for weddings, seniors, events, proms and newborns.

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