Continued Market Volatility – 5 Reasons Why It’s Not All Bad

Reading the recent business headlines, confidence surveys and economic strategy reports regarding the market volatility in Greece and the US, it is apparent that we are all concerned about things continuing to head downhill. This market volatility, including the insolvency issues in Greece and high unemployment rates in the US, will continue as governments reluctantly accept this outcome and in the aftermath global economic growth (and consequently investment returns) will remain below average for years to come. However, there are still some positive areas to be encouraged by, amongst the long list of worrisome points.

1. Share valuations are reasonable. The price-to-earnings ratios in New Zealand, Australia and the US indicate good value for investors. The NZ market is currently trading at an average PE ratio of 13.5 (slightly less than its long-term average of 13.7) and the AU market is at 11.7 (some way below its long-term average of 14.3). The US market PE is currently 12.2, not quite as cheap as the lows reached in the financial crisis, but also much lower than the highs of over 16 that were reached in 2007.

2. Dividend Yields Above Long-Term Average Dividend yields are (in a lot of cases) higher than those available in term deposits and fixed interest may provide some share price support as income-seeking investors have limited choice. NZ Shares & Property Trusts generating an annual dividend yield of 7% AU Shares yielding around 5% are achievable US Share yield on 10yr treasury bonds being outpaced by share markets average dividend yield (rare occurrence).

3. Interest Rates Likely To Remain Low For some time Official Cash Rate expectations have taken a turn from the expectation that they would be raised by 0.5%, with local interest rates on hold for now and any move in the AU rates likely to be down rather than up. The vast majority of us are sitting on floating mortgage rates keeping costs low for borrowers, assisting consumer and business sentiment and also helping yield the gap between shares and other forms of investment.

4. Oil Prices Have Fallen From Their High Oil is a key component for most sectors of industry, and oil prices have a large impact on consumer confidence. The West Texas oil is 25% lower than its May high and Brent crude is 12% off its highs.

5. Corporate balance sheets are much stronger than they were in 2008. The corporate world is on a much more secure footing than it has been in the past. Average debt levels in Australia are now at 27% (compared with the long term average of 50%). Corporate debt levels in New Zealand and the US have fallen by a similar amount.

How To Make Money With Videos And Maverick Money Makers

You can easily make funny video websites, and then profit from them nicely. This is a new trend in internet marketing and produces great profits with Maverick Money Makers.

Key to the development of a video is a catchy domain name and video title. A catchy, unique and memorable name is key to not only getting traffic but maintaining traffic.

2. Getting the videos.

You can easily lift videos from popular video sites or do linking and back linking with other video sites as well. Many sites are created to share videos as well. So getting the videos to supply for your funny video website is relative easy.

3. Making the Money with Maverick Money Maker

Making money off your site is going to consist of different forms income streams. From click on ad’s, banner advertising, and actual products which you can sell on your site and receive heavy commissions from.

Start Pay per click accounts at Google and Yahoo. I suggest you then find ind internet products which will coincide with the type of videos you’ll be showing to promote Maverick Money Makers. Once your site develops traffic, you can start to hit up larger business’s for banner ad’s which can pay you very well to advertise on your site. The combination of different income streams will bring in a steady income flow as long as your traffic is ramped up.

4. Putting your site together.

There are specific programs you can get for building sites. They will take the headache of “coding” and allow you to set up your site quickly and effortlessly. A good ” how to make a video website” book or manual will show you exactly what needs to be done to produce a profitable site to market Maverick Money Makers or any other product that you may be interested in.

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What is a High Yield Investment Program ( HYIP )

A high yield investment program (or HYIP) is one of the most interesting investments out there. However, like a number of investment opportunities, it has been the target of a number of scams.

The simple version is that it is an investment method that offers a high rate of returns with some risk. The investor can invest small amounts into a HYIP, which can, if it does well, yields a higher-than-normal rate of return, which you can then cash out or re-invest. While investing, you can discuss how the investments are doing and find out about scams on websites called monitors, which keep an eye on how HYIPs do.

The slightly more interesting version is that an investor sets up an account with an HYIP, and then invests a certain amount of money into the HYIP, which can be for either very small amounts or for large amounts, depending on how much you want to invest. You decide when to pull out, and then what to do with the funds.

However, be advised that it is an investment and carries with it all the risks of an investment. As such, there is the real possibility of losing the money that you invest, for all the usual reasons. Dont invest more than you can lose, and thoroughly check out the investment before giving the HYIP a single cent, just as you would any other potential investment. And be aware that, just like other investment, there are some HYIPs that are scams.

Using an HYIP as a scam is abetted by a number of factors. The first is the mystique of investing; too many people jump into investing without really bothering how it works, and hoping to get something big for something little. There is also that it relies on e-gold, which, although it has a number of advantages, but transfers cant be reversed; unlike a credit card, if a transaction goes wrong, you cant get the money back. The last is that it looks like just another HYIP, and can therefore fool most people into putting money into it, which then disappears.

Another part of the problem is that they can be easily be used for ponzi schemes, either fueling one or being the bottom layer of one. Just be watch out for very-well performing HYIP, including those with an outrageously high rate of returns, and trust the monitor sites.

Although it can be a great opportunity, you need to go into it with your eyes open. If you find a scam, then report it to the nearest Treasury office or monitor website. If you dont, then you may have just found the way to an early retirement.

How virtualization benefits tax and accounting practices

An increasingly popular way of delivering IT services is through virtualization, which comes in several flavors. With server virtualization, a physical server is split into multiple virtual servers. Each virtual server can run its own full-fledged operating system, and these operating systems can be different from one virtual server to the next. The physical server typically runs a hypervisor program to create the virtual servers and manage the resources of the various operating systems. Then each virtual server can be employed as if it were a stand-alone physical server, thus reducing the number of physical servers needed in an IT shop and saving the organization money and space.

By desktop virtualization, whatever user sees on his/her desktop is completely isolated from the physical machine and accessed through a client/server computing model. This virtualized desktop environment is stored on a server, rather than on the local storage of the desktop device; when the user works from his or her desktop device, all the programs, applications, and data are kept on the server and all programs and applications are run on the server. In this kind of practice, the server does almost all the work and a thin client can be a normal desktop or it can be even notebook, smartphones.

The above virtualization model can serve ideally to the tax and accounting professional. For a general accountant or CPAs, the desktop consists of tax and accounting applications as well as many other supportive tools to process their operations. These applications require heavy system resources to function and there is even desperate need of any expert technician to manage their setup. Having separate desktop setup for each individual in the office not only costs in the term of licensing but also gives us huge burden of resource setup and management. A centralized server helps us to address these concerns.

Tax and accounting professionals can opt to use cloud computing to host their resources. Cloud computing is the latest form of the virtualization technology. By implementing cloud for tax and accounting practices, all the benefits of cloud computing get inherited to the operations of tax and accounting jobs. The major benefits of cloud computing are: increased performance, high availability, anywhere and anytime access and reduced expenses which can be very helpful to boost the performance of accounting firms or departments.

It is not necessary to have our own cloud computing or virtualization infrastructure to share the benefits of these technologies. We can choose any hosting provider to host our tax and accounting applications to get these features of technology. We even get full technical support on our resources. The hosting provider becomes responsible for setup, management and to fix the issues.

Homeowners Can Get Incredibly Flexible Finance!

There is a combination of a home loan and line of credit that will provide a homeowner with all the finance he needs. Since the duration of home loans are extremely long, flexibility is essential because many things can happen in 30 years. Your needs will change over time and so should your source of financing.

The problem of flexibility of mortgage loans was already solved by a home loan type that adapts to the borrowers needs. However, if the borrower wanted additional cash for some unexpected expenses, there was no solution provided by these loans. Thats why a combination of home loan and home equity line of credit is the best option for ultimate flexibility.

Option Mortgage Loans

The first part of this Loan Combo is the mortgage loan. The idea of these loans is that while for a certain situation a fixed interest rate mortgage loan would be the best option for you, you may have to go through difficult times eventually and you would prefer an interest only mortgage loan then. And perhaps, later your financial situation would improve and you would prefer to take advantage of better market conditions with a variable rate mortgage loan.

Normally you would have to refinance your loan many times over the life of a 30 years home loan in order to do all the above. But Option Mortgage Loans let you choose the set of rules that will apply to your loan each time you pay your mortgage installment. That way, if you go through some hardship you can pay only the interests and postpone the payment of principal. Or if you run into extra income you can choose to pay off your home loan sooner.

Home Equity Line of Credit

A home equity line of credit will complement an Option Mortgage Loan by providing additional finance each time you are in need of cash. So, if you suddenly find yourself in a complicated financial situation, you can not only reduce your monthly payments by changing your mortgage loan to an interest only home loan but you can also get extra cash by withdrawing money from your home equity line of credit.

The home equity line of credit is secured on your home, thus both the mortgage and the line of credit have the same security. A property worth $150,000 can easily provide you with a line of credit of $50,000 if your outstanding mortgage is $100,000. As you can see, its an excellent option for solving your finance issues for many years. You wont need to resort to any other source of finance again.

The main benefit of these lines of credit is that while you repay the money withdrawn, the cash will be available again right away if you need it again. Thus, you wont have to apply for a loan each time you need cash. Moreover, the interest rate charged for these loan products is significantly lower than that of personal loans and credit cards.

The Lifestyle Disorders Market Outlook to 2014 Reimbursement issues, market dynamics, pipeline compounds

Lifestyle drugs have been a much debated segment of therapeutics for the pharmaceutical industry primarily due to the issues surrounding their inclusion in drug payment plans and diversion of resources for their research. These drugs have been a point of contention also because of a lack of clarity in defining them. For the purpose of this report, lifestyle diseases have been defined to include a range of indications that affect an individuals quality of life even though they may not be deemed a medical problem.

The market was led by the MDD therapeutic segment followed by hormonal contraceptives. The smallest indication among the lifestyle disorders was alcohol dependence. The overall market was $37.2bn but is forecast to decline, albeit with a low single digit CAGR over the 2008-14 period.

Lifestyle disorders are marked by slowed R&D process and limited investigational products though MDD reflects some differences to this scenario. Each of the therapeutic indication s considered in this report reflects a markedly different scenario that substantiates the investment case around them. For instance:

In the antidepressants market , the older antidepressants such as tricyclic s and monoamine oxidase inhibitors, have given way to agents that target metabolism, storage and release neurotransmitters such as serotonin and norepinephrine.
In case of obesity, compounds with novel mechanisms of action such as GLP-1 pathway, monoamine transmission, PTP-1B receptor and melanin system, are being investigated.
The hormonal contraceptives market is marked with little R&D that has led to gaps in contraceptive technology. The industry needs to invest in contraceptives with better side-effects profile to aid compliance.
Growth of the erectile dysfunction market would be determined by the market dynamics ensuing between Viagra, Cialis and Levitra.
In the smoking cessation market, growth prospects of the leading brands such as Pfizers Chantix, are likely to be determined by the markets response to the black box label warnings on neuropsychiatric effects, introduced in July 2009.

Key features of this report
Epidemiological analysis of the therapeutic segments and forecast prevalence over the period 2008-14
Forecasts and analysis of the key products in the lifestyle disorders market over the period 2008-14, across major classes of treatments
Overview of key events in the global lifestyle disorders market that have impacted treatment trends and sales potential.
Strategic and growth analysis of leading pharmaceutical corporations based on sales focus by drug class, currently marketed products and R&D product portfolios
Detailed analysis of the major classes of treatments across all the therapeutic segments analyzed in the report
Detailed analysis of the clinically differentiated products in the lifestyle disorders market pipeline and sales forecast of key R&D pipeline products in the global lifestyle disorders market

Berkeley CA Homes for Sale Market Comparison Report (December 2009 vs. December 2008)

We analyze several housing market indicators in order to present an in-depth breakdown of Berkeley Ca Homes for Sale Market comparing December 2008 to December 2009.

Summary of Key Points

Berkeley Ca Homes for Sale market suffered a decrease in home prices however that acted as an incentive for buyers leading to a significant increase in home sales

Median Sales Price (-8.23%), Median Days on Market (-26.86%), and Number of Units Sold (30.77%)

Big Picture: Out of 20 cities analyzed in the East Bay, Berkeley was one of 12 cities that saw a decrease in median home prices and Berkeley buyers used that to their advantage snapping up 30.77% more homes in Dec 09

Berkeley Ca Homes for Sale

The city of Berkeley experienced an 8.23% drop in median sales price from last year going down from $751,333 (Dec. 08) to $689,505 (Dec. 09). In the city of Berkeleys case, the decrease in median sales price spurred a dramatic reduction in median days on market and a comparable increase in number of units sold. Median days on market for a house in the city of Berkeley for December 08 was 43 days compared to 31 days in December 09 and number of units sold have increased from 39 units in Dec 08 to 51 units in Dec 09. It is apparent that the $60,000 drop in home prices caused a ripple in the Berkeley housing market. The drop in prices was enough to cut median days on market by 26.86% and alternatively drove up sales 30.77% by attracting home buyers with lower prices. A similar trend as Berkeley can be seen when analyzing home data for neighboring cities Walnut Creek and Castro Valley. Walnut Creek ca homes for sale saw their median prices slashed by almost 20% but like Berkeley, that in turn caused a drop in median days on market (23.08%) and an increase in number of units sold (5.26%). Same for Castro Valley ca homes for sale drop in median home prices (8.01%) however a decrease in median days on market (46.08%) coupled with an increase in the number of units sold (26.32%).