Do's and Dont's in the Stock Market - Let’s Introduce Do’s and Dont's of Investing

Editor's Note: This is a guest post from Ramalingam of Holistic Investment Planners

Most of us have our own perception of investment based on our experiences, but also tend to be confused with the opinions given by others. Knowing the do’s and don’ts of the stock market would help us turn really as a smart investor.

The do’s and don’ts in the stock market are:

slow, steady, and boring wins the race:

It is best not to panic over information about stocks on the media. Being slow and steady with looking at the activities that your money is to be used for would ensure that you invest in ventures that are good, useful and profitable.

Reading good books on personal finance will help you in taking right financial and investment decision. In addition, finding good financial advisors would help you get advice regarding stocks and mutual funds, along with entrusting the custody and management of your funds to them.

All this may seem too boring and time consuming, but it is better to be cautious than bitten too hard.

Don’t give any weight to market forecasts. All opinion pro and con is already built into the price of equities today:

Market forecasts on the media has got good entertainment value but doesn’t have any investment value. It is just enough for long-term investors to invest in good stocks, and mutual funds that would appreciate in the long run.

It is best to understand that market forecasts only show you the expected direction in which the market is heading based on the available information. This forecast is only a forecast and need not become reality.

In addition, market fluctuations are the very nature of share markets and should mean nothing to long tem investors. Making accurate market forecasts is tough, as they are influenced by various factors like the outcome of political elections, the direction of the economy, interest rates and world events. It is also wise to know that these fluctuations are incorporated in the price of the share, stock or mutual fund.

Do make your own analysis of the stocks, shares and mutual funds:

It is unadvisable to place your full faith on analysis of others regarding stock, shares and mutual funds. No wise man would always tell you all about his market beating strategy. Making ones own analysis keeping your financial goals in view and framing a strategy would help.

This involves studying the performance of top performing stocks and mutual funds over 5 years and existing mutual funds over a period of 3 months to decide on which stock to maintain and which to dispose off. All this would ensure that you are investment smart.

Don’t think you can successfully engage in short-term market timing:

As a long- term investor you should never contemplate taking advantage of short-term market dealings and speculations. Playing with shares and mutual funds in the short-term market may give you a profit in a few transactions but will not give you profits forever. So you can’t have an investment strategy which gives profit inconsistently. We need a strategy which can bring profits consistently so as to be a successful investor in the long run.

It is true that playing in the share market is neither entertainment nor fun. It is also futile to borrow or work on short-term margins to make money.

Don’t assume that if anyone were genius enough to devise a market-beating strategy he would be stupid enough to share it with anyone:

Stock tips are good to learn, but not to act on for speculations. It could prove dangerous to act on speculation tips given by one and all, as they may not be correct. In addition, everyone has his or her own perception of investment, with other not having full knowledge or skills.

You need to take time to think over each tip and analyze if it contributes to your long-term objective of capital appreciation. Similarly it is not advisable to subject your money to risk with investing in investment fads that may or may not earn you huge profits.

The final advice:

You need to make a calculated decision considering the pros and cons whenever you make an investment. In addition abstain from trading often in the stock and mutual funds market. Always think in terms of long term investing.

About the author: Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.

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Managed Share Investments - Much Better Than Doing It Yourself

Editor's Note: This is a Guest Post from Sachin

Even the most successful professional share traders will tell you that managing a share portfolio in real time trading can be a truly tough, grinding experience. All professional share traders will also tell you without exception that they’ve taken losses, too. For private investors, losses can accumulate, all too quickly, and in large bites. If you want to invest in share trading, managed share investments are definitely the safer option.

What’s Really Wrong with DIY Share Trading

The fact is that share trading really isn’t as simple as it looks. Day traders, who literally have to work with daily share price margins, manage portfolios of live stocks which must be monitored closely. This is a very time-consuming, almost obsessive process, and it’s nerve wracking to say the least. On some days, margins are microscopic. You wouldn’t get out of bed, much less risk good money, on such low margins. Good days do happen, but so do days when staying in bed would definitely be a better option.

The less frenzied form of share trading, just buying and selling occasionally, may be more sedate, but it can be equally frustrating. As we’ve seen around the world in recent years, share markets don’t find it hard to be virtually static for years. The simple fact for investors is that a comatose market means their money is either lost or in hibernation until the share prices go up again. Bear in mind that “down” for recent markets has meant nosedives with very slow recoveries. You’ll get an idea of the time scales involved just in breaking even in a negative market environment when you consider that it took 2 years for the big 2007 crash to hit even a barely respectable comeback level.

That’s not good business, anyway you look at it. Most private investors get into these situations at some point, and they’re invariably frustrating, expensive wastes of time and money. Many private investors get out of the “make or break” investment trap and go looking for better options.

Managed Investments

It’s simply not realistic to believe that you can invest in shares without some level of risk. Share prices go up and down, and that’s really the whole story. Good share investment is actually quite similar to risk management. Managed funds are a good example of how this is done. Professional fund managers balance risk and cover multiple areas of investment, both hedging against losses and spreading the investments to capitalize on potentials for gains.

Professionally managed funds have the capital and resources to maximize returns while covering risk across the markets and indices. Private investors in these funds enjoy the rewards of share trading without the frustration, and their risk is managed for them. The difference between investment in managed funds and the roller coaster ride of DIY share trading is the difference between a Lear Jet and a paper dart, in terms of comfort. If you’re looking for a better way of investing in shares, start by checking out managed funds.

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Importance of Nomination

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If you ever filled application form for opening a bank account, fixed deposit, trading account or even subscribed mutual funds, you eyes might have stuck in a section specifically given to fill the nominee details. Generally, most people would avoid the column because of any unavailability of the information have asked in the section.

This is the nomination section and which is powerful enough to decide who can withdraw your money or investments in case of your death. It is highly recommended by the financial planners to make your nomination intact when dealing with money subjects like investments.

So, what is the importance of making a nomination? Each one should ensure that have nominated a person who will be entrusted with your funds in case of your death. If you have not made any nominations, it will be cumbersome for your legal heirs to take control of your money or investments.

If you have done your nomination properly and nominee has all the information about your funds and investments, it is easy for them to access the funds by producing proper documents and self identify to the respective places.

One of the important advantages of nomination is, one can change the nomination as many as and whenever required. Process for the same would be different in each place but it would not take much time than just filling a prescribed form for the same. Some of the places, like mutual funds, even offer the facility of break up the percentage to each nominee in case the death of investor. If such, the investment amount would go to the nominees in the given percentage in nomination form.

Nomination is an excellent method to get all the benefit of your investments to your legal heirs. For an example, if you take a term policy, it is sure you are not going to get any benefit from that until you are live. In case of your death your legal heirs only would get the benefit. It is not possible or useless if one apply for a term policy without making a nomination because, such product like term policy only focused to the betterment of dependents in case of the death of policy holder.

Generally there will not be any charge for making, changing or canceling nominations. Anyone can make, change or cancel nominations as they wish, on their funds or investments. If you have an existing fund which not has nominations, you can even visit the fund house or respective office to fill a nomination form for the same. This would ensure your money will not lay unclaimed but reach to the proper hands in case of your demises in the future.

Nomination does not provide ownership of your assets to the nominee but only trusteeship. Which mean the nominee would not become the owner of the asset, but would become the trustee of the asset till it is given to its beneficial owner.

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Advantages of Living on a Budget

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This article greatly deals with the definite advantages of having a budget to live with, a subject that have covered rarely in this blog. I’m asked quite a bit about what the benefits of creating a personal budget are. One of the reasons to this article is, I have found most of the people not have any budget and run out of money at the end of each month. Such people do not have any control over their money and such situation later put them to trouble like huge debts, uncontrollable expenses, no savings and running out of money when necessities approaches. Getting aware on the advantages of personal or family budgeting would help to live within and get right control over our income and expenses.

As an introduction, budgeting considers as the first step to the financial planning. It also considers as the initial step to various financial goals like become debt free, make investments for future goals, retirements planning etc. Budgeting is not limited to any individual, but anyone, whether it is an individual, family, group or organization, who wants to get control over their finance, should practice and enjoy the power.

Creating a monthly budget is of course not a difficult task. With little dedication and disciplined approach, anyone can create and live within a good budget for self and family. One of the important budgeting activities is timely recording of the expenses and income. Moreover that, living on a budget is that it relieves a great deal of financially related stress.

Here is the most powerful advantages of having your personal budget:

1. Through budgeting, individuals get full control over their money. At the end of each month, budget would tell you where the expenditure happened each time.

2. Budget would be helpful to identify the areas where unnecessary spending happened. This would help to avoid such spending in the future and save money.

3. Budgeting is great to allocate money for rotating monthly expenses and which ensure nothing have missed such as utility bill payments, insurance premium, loan EMI etc… A great way to save money that may go as interests or penalties if a budget is not in place.

4. Tracking of daily expenses is a part of budgeting. While tracking expenses, one can easily identify any unexpected, but necessary expenses happened in each month. Once have an idea on this, one can easily create an emergency fund to tackle and control such emergencies without using a penny from the budget amount.

5. Proper budgeting eliminates the requirements of approaching third person to get any advice on your money. Your record gives you a clear picture of your cash flow in each item.

6. Budgeting helps to identify the possibilities of saving money by avoiding unwanted and unnecessary expenditures.

7. Budgeting is an excellent method to track and identify the right and unnecessary expenses of each family member and self.

8. Personal budgeting habit improves individual money management efficiency and enhances spending discipline.

9. Budget would enhance saving habits, reduce debts and unnecessary money borrowing habits.

10. Budgeting would enhance the thinking power to identify the difference between ‘want’ and ‘need’. This would help save more money by avoiding what really not required.

If executed properly a budget will allow a person to simultaneously meet their expenses, place money into savings, pay back outstanding debt and plan their finance to a great extend.

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Apple White iPhone

Apple today announced that the white iPhone 4 will be available beginning tomorrow. White iPhone 4 models will be available from Apple’s online store, at Apple’s retail stores, AT&T and Verizon Wireless stores and select Apple Authorized Resellers.

“The white iPhone 4 has finally arrived and it’s beautiful,” said Philip Schiller, Apple’s senior vice president of Worldwide Product Marketing. “We appreciate everyone who has waited patiently while we’ve worked to get every detail right.”

iPhone 4 is the most innovative phone in the world, featuring Apple’s stunning Retina display, the highest resolution display ever built into a phone resulting in super crisp text, images and video, and FaceTime, which makes video calling a reality.

White models of iPhone 4 will be available in number of countries including UK, US, Canada and Austrailia, beginning Thursday, April 28 and in many more countries around the world soon. White iPhone 4 will be available for a suggested retail price of $199 (US) for the 16GB model and $299 (US) for the 32GB model with a new two year agreement through the Apple Store, at Apple’s retail stores, AT&T and Verizon Wireless stores and select Apple Authorized Resellers.

Visit Apple site to know more about this White iPhone 4

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Efficient Ways to Save Money on Daily Travel

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Though I have written many money saving tips articles in this blog, some of them deals with saving money on transport in a great extend. However, this specific article can consider as most relevant to the subject considering the recent fuel price hike and the expectation of same behavior in the future too..

These ideas greatly help you to save lots of money on transportation using some intelligent and practical ideas. You may found each of them in various places and my effort is to group them under an umbrella of an article named ‘Efficient Ways to Save Money on Daily Travel’ . Hope you will find it useful and share your great opinion and more ideas.

This article greatly deals with the tips to save money on daily travel. It would be a good reference point to those who travels daily from office to business and thinking how to save money on this. Have a look:

1. Ensure you have a well maintained vehicle. Have a practice of daily check. This would help avoiding unexpected breakdowns and repair costs. Every day, take a minute to check the air in all tyres and alignments, water in radiator, oil levels and filters. Confirm there are no leaks and breaks are functioning properly. Check the battery status and identify no peculiar sounds from engine or anywhere. Always keep the car clean and never handover it to a third person to use. Remember the rule; never trust a friend on your vehicle and wife. Both will get screwed before getting back to you.

2. Always prefer to buy a regular car with good gas mileage to save thousands of dollars yearly.

3. Always drive the vehicle in a speed that ensures high gas efficiency. Be a steady and slow driver. Aggressive driving like speeding, sudden acceleration, breaking all could lower the gas mileage and decrease the engine functionality to a great extend.

4. If possible, take a regular walk or use a bicycle to reach office and back. Both are fantastic for health too. If possible try to get a home near to the work location.

5. Try to limit the use of your vehicles to the daily route. If you have public transport/company transport facility, use it. This would cost little than using your own vehicle for every day travel.

6. Use car pools with colleagues and friends who live near you. This would save your money, fuel and the environment.

7. Whenever travels to places other than regular, ensure you have planned the best route to save gas.

This is for now specifically in this article. Believe this article cover all that you need to know to save money on daily transportation. If you have any more idea, feel free to mention it here as comment.

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City or Suburb; Where to build your dream house?

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One of the most difficult questions each of us have to answer when planning to buy a house. Is it into a City or in a Suburb? Which would be better? Most of the time an answer gets influenced by the present status and living standards. Those who are from the middle class always in confusion to get a right answer to this question. This little article will clear your doubts on this.

Buying a house can be considered as a onetime huge investment for the middle class people. In that context, any move should be taken carefully with proper planning. Have an honest discussion with your family members to understand their preferences and identify the advantages and disadvantages of both locations. Be open and realistic. Such discussions would later come with good solution to make your next move to buy house. Consider asking the opinions and experiences from people from different ages who presently lives in city and suburbs. This would highly helpful to reach to a right conclusion.

However, buying a house in suburb would be an intelligent option. Big cities are being congested and the suburbs are growing fast. If you try to buy a house in the suburb in the coming years with the same price asking today, it would simply not possible to get one! Also the present and future living costs in cities should come under your consideration. Once started the retirement life, it would not be easy to live in a costly city, but a suburb would be an ideal location.

Considering long time options than short term, buying a house in suburb at present point of time would fetch you with more superior house than any one available in the city within your present budget. It would also help you to save huge money when buy a house in suburb than buying similar one in a city. Such savings can be invested for future or buy another house to get stable income through rent or capital appreciation by selling later by utilizing the fast growing population in the suburbs.

Considering all these facts, it is better considering suburb to buy a good house, cost effective life, money saving, happy retirement life along with possible income from intelligent savings and investments.

However, one should ensure the availability of required facilities in the selected places. Consider the transport facilities for daily travel, how easy to commute to the work places, existence of required private and governmental organizations, availability of hospitals, education standards etc…

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An Essential Library for Investors

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BEING a successful investor is not an easy task. Common sense and money management intelligence plays major role to bring ultimate success. One essential step to become a successful investor is, getting right guidance through reading right books. But, what should one read? There are plenty of books available and selection of the best from it is of course, a difficult task. However, if one know what exactly to select and read, would help to go with right books that provide right wisdom. There would not be any spoon feeding solution to be the next Warren Buffett or Benjamin Graham. All of us need to know what to select and read.

Reading books of Buffett's or Graham's theory and practices itself doesn't make or promise any investor to become rich. Adaptability and practical use of right guidance from successful books would help investors to develop own investment framework, which considers as the big supportive factor behind each successful investors in the world. Yes, each successful investor developed their own investment framework or strategies, which was fail proof, and they stick with it to the maximum to work for them to bring enormous success later.

In this article, I am introducing an essential library of books for investors should read and practice. This selection of classics would certainly energize your thinking power and capacity to develop own personal investment framework, what I have done long time back and still sticking into that. When proceed further, you may not only find books related to successful investments strategies and practices, but also find books that are highly supportive to get essential knowledge and skills.

One of the biggest mistakes I have frequently found among investors, they are reading only investment books. They prefer books on Buffett, Graham or Philip Fisher as interesting reads. Of course, these are great works. However, they frequently forget the truth of knowledge required other than what mentioned in these guides. When read Philip Fisher's guide 'Common Stocks and Un-common Profits' an investor can find the requirements of watching economic indicators to identify right buying or selling opportunity. If an investor has knowledge on stock investments but not able to identify the right buying opportunities, I can easily say his investment skills and knowledge works very hardly. In the same way, Graham told investors to read financial reports carefully to identify any big errors. If an investor doesn’t know how to read and understand the traps inside any financial reports, he would certainly jump into the traps later.

In this context, I have picked few, but essential books that would provide investors with knowledge on each and every essential area. I am not compelling anyone to buy and read all these books, but I am sure, reading of these books along with owning each of them would give you enormous thinking power, knowledge and wisdom which highly required to avoid investment mistakes in the future. Have a look:

Books on Fail proof Investment Strategies

1. Common Stocks and Uncommon Profits by Philip Fisher

2. Intelligent Investor by Benjamin Graham

3. The Battle for Investment Survival by Gerald M. Loeb *


Books on Economics Indicators that any Investor Must Know

4. How an Economy Grows and Why it Crashes by Peter D. Schiff and Andrew J. Schiff

5. Crash Proof - How to Profit from the coming Economic Collapse by Peter D. Schiff


Books on Essential Investment Analysis Knowledge and Practice

6. The Essays of Warren Buffett by Lawrence A Cunningham

7. The New Buffettology Workbook by Mary Buffett and David Clark

8. How to Smell a Rat: The Five Signs of Financial Fraud by Ken Fisher with Lara Hoffmans *

9. Financial Shenanigans by Howard Schilit

I have read all the above brilliant works and have helped me to maximum extend to build my investment skills and other required skills related to investment world. I am not willing to compel any investors to go with this books and it is entirely on their decisions. However, would like to point out that, one never going to get any better books than the above mentioned in the world.

Before ending up, I would give you a thought provoking example to understand the difference between investors who read right books and not:

“Investors who have not read and gain knowledge through such brilliant books can be considered as people who have lived in the world when there was no motor car invented. When travelled, they have managed to reach the destination by losing lots of energy and time. Investors who read right books and acquired knowledge are like those who lives in the present world. When travel, they would reach to the destination within no time using right methods.”

I am sure; these books lead you to the right strategies, knowledge and wisdom. Have a look. Decide and proceed with what you think. Do not forget to bookmark this article to visit later to find any brilliant books may add later. I would certainly update this list with books that I may find later have wonderful ideas to share with people.

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Apple Sues Samsung over Galaxy Phones

In a patent suit filed Friday, Apple claims that Samsung’s line of Galaxy tablets and phones willfully infringe on its own patents. Apple is seeking injunctions as well as actual and punitive damages.

Samsung’s Galaxy Tab, which runs on Android, was released late last year. Apple claims the tab infringes on iPad patents and that the Galaxy S looks and feels a little too similar to the iPhone.

Samsung is one of the fastest growing smartphone makers and has also emerged as Apple's strongest competitor in the booming tablet market with models in three sizes, although it remains a distant second in the space.

Its Galaxy products use Google Inc's Android operating system, which directly competes with Apple's mobile software, the lawsuit said. However, Apple's claims against Samsung focus on Galaxy's design features, such as the look of its screen icons.

“This kind of blatant copying is wrong,” Apple spokeswoman Kristin Huguet added in a statement. “We need to protect Apple’s intellectual property when companies steal our ideas.”

Samsung said in a statement on Tuesday that it would respond to the legal action "through appropriate legal measures to protect our intellectual property."

Apple CEO Steve Jobs has criticized Samsung and other rivals in presentations of new products or technology debates. Analysts say the response by Samsung to this has been muted, partly because Apple was Samsung's second-biggest customer last year after Japan's Sony.

Apple brought in around 6.2 trillion won ($5.7 billion) of sales to Samsung in 2010 mainly by purchasing semiconductors, according to Samsung's annual report.

Samsung shares slipped about 1 percent in early Tuesday trade to their lowest level in one month, under-performing a 0.5 percent fall in the broader market. At 8:40 p.m. EDT, Samsung shares were down 0.7 percent at 861,000 won.

In its lawsuit against Samsung, Apple noted that earlier versions of Samsung smart phones did not embody the same combination of Apple's designs.

"Even the icons in earlier versions of the Samsung smart phones looked different because they had a variety of shapes -- and did not appear as a field of square icons with rounded corners," the lawsuit said.

Apple is bringing 16 claims against Samsung, including unjust enrichment, trademark infringement and 10 patent claims.

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Amazon Introduces Print-On-Demand Program for Books

Amazon.co.jp today announced a new Print-on-Demand (POD) program for Books, which dramatically expands the selection of titles available to customers and offers publishers a cost-effective way to make the broadest possible range of their authors' titles available.

Using POD technology, Amazon.co.jp can rapidly print and ship a single book in response to a customer's order. Titles in the program will always be in-stock, allowing customers to benefit from Amazon.co.jp's shipping offers such as Amazon Prime and Same Day Delivery. There are currently over 600,000 titles available for printing from Amazon.co.jp.

Amazon.co.jp POD provides a cost-effective way for publishers to offer titles for sale to customers in Japan. POD will in particular help foreign book publishers who want to sell both their backlist and frontlist into the Japanese market without the expense and risk of overseas shipping and local inventory. POD is also a great solution for out-of-print works, niche titles, custom books, foreign language editions and alternative formats, such as large print.

Leading publishers from around the world are working with Amazon.co.jp to offer their titles via its POD service, including Cambridge University Press, Macmillan, British Library, Taylor & Francis and Springer.

"We hope to bring hundreds of thousands of books to Amazon.co.jp's customers that might never have otherwise been available," said Kazufumi Watanabe, Vice President of Media at Amazon. "Especially in Japan, foreign language books were hard to keep in stock due to their relatively lower demand and longer lead times. By introducing POD, publishers will be enabled to keep all their titles perpetually in stock at Amazon.co.jp. Such an innovative new solution will be a significant benefit to both the publishing industry and our customers."

"We are pleased to add our U.S. POD titles to this innovative program," said Tom Stouras, Vice President of Supply Chain and Sales Operations at Macmillan. "Being able to print these books locally, through the CreateSpace platform, will get the books to the readers more quickly and supports Macmillan's environmental initiatives."

"We are pleased that Amazon.co.jp has been producing Springer STM Books in Print-On-Demand in Japan," said Ryoji Fukada, Managing Director, Springer Japan KK. "Currently Springer publishes more than 5,000 new English-language titles every year. Since many of these titles concern new scientific information, it is crucial for our readers to be able to obtain them as soon as possible. Using POD, our books will reach our readers faster."

For a limited time, Amazon.co.jp will provide free setup for publishers with POD-ready PDF files. Amazon.co.jp is also offering competitive manufacturing rates as part of its comprehensive solution. For more information, pricing and details on the Print-on-Demand program, please contact podjp@amazon.com.

source

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10 Things About Business People Won't Tell You

These are links but once after reading the article from the given source, you will certainly come back and thank me. Because these are some well written articles in Smartmoney by various, well experienced writers who deals with '10 things' people won't tell you. It is arranged to understand easily and get knowledge on various areas you deals in daily life. These articles provide a deep insight on understand and avoid the traps used by various people to their customers by hiding some of the secrets, that may affect their business if they reveals to public.

It can be anything. If people don't tell something to you, meant they are hiding something in their business and the customers would be a victim to that. Understand that 'things' related to various areas. This would bring you an aware customer to avoid traps and money when dealing with some of this businesses.

1. 10 Things Daily Deal Sites Won't Say

2. 10 Things Outlet Malls Won't Tell You

3. 10 Things Graduate Schools Won't Tell You

4. 10 Things Leaf-Peepers Won't Say

5. 10 Things the Pet Industry Won't Tell You

6. 10 Things Money Managers Won't Say

7. 10 Things Interior Designers Won't Say

8. 10 Things Your Caterer Won't Tell You

9. 10 Things Health Insurers Won't Say

10. 10 Things Auto Insurers Won't Tell You

11. 10 Things Your Home Insurer Won't Tell You

12. 10 Things Event Planners Won't Say

13. 10 Things the DMV Won't Tell You

14. 10 Things Car-Leasing Companies Won't Say

15. 10 Things Your Mechanic Won't Tell You

16. 10 Things Your Spouse Won't Tell You

17. 10 Things Amateur Baseball Won't Say

18. 10 Things Fund-Raisers Won't Say

19. 10 Things Furniture Stores Won't Say

20. 10 Things the FDA Won't Tell You

21. 10 Things Toy Stores Won't Say

22. 10 Things Employment Recruiters Won't Say

23. 10 Things Human Resources Won't Say

24. 10 Things Your Headhunter Won't Tell You

25. 10 Things Your Landlord Won't Tell You

26. 10 Things Game Shows Won't Tell You

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iPad 2 For Travelers - Explore The Features

In National Geographic site, Mary Anne Potts have been posted this fantastic article. This is completely deals with the second generation iPad released by Apple last month and its features and how it helpful while traveling.

It opens a window to the new features of iPad and tells how and why it is a suitable mate while traveling. this article covers its size, camera efficiency, battery and applications that help us to bring new iPad anywhere needed.

One of the important innovation in this iPad is its supported travel applications. With the addition of the new gyroscope and cameras, and the existing GPS, the world of travel apps is about to take off. The gyroscope and GPS could enable some very cool virtual tour guides of favorite travel sites—say an iPad tour of Machu Picchu where you point your iPad at a feature and it tells you historical facts. Here are some of the more impressive new iPad travel apps out there:

JetSetter - Free

This visually stunning, content-driven travel app lets you discover travel destinations through a gorgeous layout and photography. The stories and editorial reviews will tantalize you to take a trip—and the app even allows you to book a hotel stay with a cool calendar feature. It also has “Flash Sale” limited-time travel deals.

TripAdvisor - Free

Thanks to the iPad’s digital compass, TripAdvisor’s vast database of user reviews are made available on Google Street maps. Simply locate yourself via the GPS, then read reviews of nearby restaurants and hotels positioned on a Google Street View map. What’s surprising is all the local information. I always considered TripAdvisor to be best for international hotels. But with the app, I located myself in my apartment in Brooklyn and it showed me all the restaurants and businesses on my street with contact info and user reviews.

Fotopedia Heritage - Free

Brilliant photos illustrate the world’s UNESCO World Heritage sites in this app. The Machu Picchu slide show alone has 59 images.


And many...

Read more: iPad 2 For Travel

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Got a Business plan? Earn $1,000 in 60 Seconds

An interesting, recurring, competition by Rice University known as Rice Business Plan Competition were given a minute to deliver the best business pitch they could muster to a panel of judges.

42 Teams from the world's top graduate programs announced. At least one team competing in Rice University's Business Plan Competition made $1,000 Thursday night in 60 seconds!

It was the competition's elevator pitch round at the world's largest student business plan contest. All 42 teams were given one minute to pitch their business plans to judges. The stakes for these mini-presentations are high. The top prize is $1,000, the second and third place teams take home $750, and fourth and fifth place teams, $500. Though that's small change compared with the competition's nearly $500,000 grand prize.

The competition's real presentations begin Friday, and all prizes, more than a million dollars worth, will be awarded Saturday.

Business Plan Areas include:

- Clean Technology
- Life Science/Biotech/
- Medical Devices
- Energy (oil and gas, other traditional fuels)
- Sustainability
- InformationTechnology/
- Web/Internet
- Space Technologies/
- Aerospace
- Consumer Goods and Products
- Social Entrepreneurship
- Nanotechnologies
- AdvancedMaterials/
- Other Technologies

The RBPC will feature at least 6 Major Investment Prizes including:

- $150,000 Grand Prize Investment sponsored by The GOOSE Society of Texas
- $100,000 Kleiner, Perkins, Caufield & Byers (KPCB) Prize for Clean Tech Innovation
- $100,000 Greater Houston Partnership/Opportunity Houston Investment Prize - Life Science
- $100,000 Greater Houston Partnership/Opportunity Houston Investment Prize
- Energy/IT/Nano/Aerospace
- $100,000 DFJ Mercury Tech Transfer Investment Prize
- $100,000 Waste Management "Think Green" Investment Prize
- $100,000 OWL Judges Investment Prize

Read More: Rice Business Plan Competition

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Investing in Smaller Emerging Markets

An article in SmartMoney Magazine by Anna Prior explores the possibilities to Investing in Smaller Emerging Markets opens a new window to right investors. This is found one of the best article provide some insight to the next investment opportunity.

It's a stat that could lead many investors to do a double take: The stock market of Sri Lanka soared 91 percent last year. But it's true. While all the attention, and most of the money, keeps going to the so-called BRIC countries (Brazil, Russia, India and China), they were trounced by a country many think of only when there's a bad cyclone or a civil war. And Sri Lanka, whose economy grew 8 percent last year, isn't alone in offering another option to investors looking for emerging markets.

Indeed, as China looks to slow down parts of its economy, strategists are turning to other parts of the world for growth. They don't have to look very hard. Countries in both hemispheres have seen their economies surge along with their stock markets. Part of this strong performance can be attributed to a surge in demand worldwide for the commodities found in some of these nations. And part of it is simply a result of the global economic recovery. In some instances, such as with Pakistan, national economies and markets have rebounded from a disastrous two years. The best news for investors: While there might be corrections, even sharp ones, these nations have good prospects, according to some pros. "There's a multitude of opportunities in these non-BRIC markets," says Nick Chamie, global head of emerging markets research at RBC Capital Markets.

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How to Control Unnecessary Spending - Are you up for these 3 Financial Challenges?

Editor's Note: This is a guest post from Ramalingam of Holistic Investment Planners

The safest way to double your money is to fold it over once and put it in your pocket. ~ Kin Hubbard

Kin Hubbard is right in saying that if we do not spend money unnecessarily we would be able to save money and double it. However most of us like to spend and would find it difficult to not spend at all. We feel that it could stress us further.

Accepting the3 financial challenges could help you in controlling unnecessary spending. Once you control and avoid unnecessary spending you can save more and invest more. So you can achieve your financial goals easier and earlier.

Here are the challenges:

A Day Away from spending

The challenge of not spending for a day could be difficult, but could help save and render some important life lessons. It is true as most of us have regular daily expenses on coffee, tea, lunch, and snack at regular intervals and fuel to travel to and from work.

Effective planning with implementation of this challenge involves ensuring that your fuel tank is full on the earlier day. Then setting the coffee vending machine the night before could ensure you refreshing brewed coffee to enjoy before you leave for work. Similarly, carrying homemade lunch and healthy snacks like salads, nuts, seed and snack bars could help you eat healthy and save money.

It is not as difficult as it appears. Once you start practicing it, it becomes part of your habit like fasting. It opens new ideas to you on saving on daily routine expenses.

A Week Away from Credit Cards

We all tend to spend a lot on small and big purchases with using the credit card. Credit card tends to make us spend excessively on unwanted purchases.

Buying things on cash would only make us spend on things that we absolutely consider necessary. It is found that sometimes postponing the purchase and preferring to pay cash could make us realize that the need was just momentary.

During the week away from credit card, you will be able to understand some of your spending pattern. You will come to know on what items you make impulsive buying and on what items you make need based buying.

As you are using cash to buy and not plastic money, you may want to negotiate the price. This develops your negotiation skills.

It is also true that buying unnecessary things with credit cards causes financial stress and spoiling of important life relationships. So avoiding credit card for a week could make you a need based buyer and better negotiator.

A Month Away from Eating Out

The last challenge of not dining out for a month could be difficult for many today. This is difficult but you would realize on implementation that it saves you a lot of money that is usually spent eating out in restaurants and cafeterias.

Avoiding eating in restaurants would not only create huge savings, but also would help you avoid excesses in foods. In addition eating out only on special occasions as a family would help you enjoy the food. It would make the family realize the value of spending money lavishly.

When we have a kid around one year old, we won’t offer any outside food. We will pack the home made food or snacks for the kid. You can follow the same for the grownups.

Again this is not as difficult as you think. Think of having a homemade food as a family in a park or beach. This will bring a different experience and enjoyment to your family. This will give you new ideas on having more fun with lesser money.

A Final Note

All these challenges do not mean that you should not spend at all on dining out or on getting good things of life. It only means you should spend the right amount of money for the right reasons. This self-control would not only help you save more but also in preparing you psychologically for a consumerism

I am sure you would learn a lot with these spending challenges once you try them.

About the author: Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in.

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Where to Invest Money in High Interest

Editor' Note: This is a guest post by Ronen Vikki

Investing money may be a best choice once you earn a good amount at the return. Looking for a high yielding investment means you are waiting for a high interest on your invested amount. There are only two major consequences that one can face with; one is to win a hand full of profit or to lose the whole on hand within a fraction of seconds. This happening depends utterly on the situation that plays with the investor’s action, decision made and the investment scenario on time. We can see several risky situations that one must deal with to make money over investment.

Ways to invest on high interest

There are several ways that one can choose from the existing choice of making money. Stock market, real estate and foreign exchange marketing are few of them that tend to earn more interest. Among the three investment factors, forex trading or foreign exchange has earned more people’s interest in short time as they provide with wide range of opportunities as it is the world’s largest finance marketing trade which deals with roughly many trillions of dollars under trade.

How to find the best investment plan

Some ways to help you find the best investment plans with high interest rate, guiding you where to invest money effectively are as follows …

One of the ways is to become a valuable customer of a bank is to show up on top list of investors for the banking services with more transactions. Check out for more banks online if suitable banks with best rates are not found. Several programs work on the savings account which can make up with any amount as set up. Choosing an online banking may also be replaced with a local banking process that includes programs and certain investment schemes that are supported with sufficiently higher interest rates.

Plan your investment with capital amount that matters to yield a higher amount on investment. Look for banking review to check if the bank is free from the any problems in the past. Financial sites, forums and financial blogging sites can help you in guiding with the same.

Equity based mutual funds is also a recommended choice to make the good investments. Short term investment plans on savings account can also facilitate in making your investment effective with soaring profit. ING direct is one such option that supports with the banking plans that involves an investment that needs money to be transferred to a commercial bank.

A guaranteed investment certificate is one of the forms to earn good interest value as the money is being deposited on a term of time interval. This extends from a minimum of thirty months to five years, the longer the duration the higher will be the rate of interest.

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Tips for Investing in a Roth IRA

Editor's Note: This is a guest post from Bailey Harris of Insurancequotes.org

A Roth Individual Retirement Account (IRA) is a type of investment account for people who are saving for retirement. Roth IRAs can be indispensable savings tools. If you follow the rules and invest wisely, your money can grow tax-free. Following are some tips for investing in a Roth IRA.

Make Sure You Are Eligible

Not everyone is eligible to contribute to a Roth IRA. Eligibility requirements stipulate that you must have earned income that exceeds or is equal to the amount contributed. In other words, you must earn income from a job and not invest any more than you earn. Limits are also placed on your adjustable gross income. If you are single, your AGI must be below $122,000. If you are married and filing jointly, you and your spouse's combined AGI must be below $179,000. AGIs must be below $10,000 if you are married and filing separately.

Decide What to Invest In

Roth IRAs are very flexible. You can invest in almost anything, including stocks, bonds, mutual funds, CDs, and real estate. Stocks are often considered the riskiest investment. If you aren't familiar with the stock market and do not want to work with a broker, you may be better off investing in mutual funds or another low-risk option. Your bank can help you invest in CDs or bonds. A fund manager or company can help you with the mutual funds.

Contribute the Max

The amount of money that you can contribute to a Roth IRA is dependent on your adjusted gross income. The maximum contribution is $5,000 per year for individuals under the age of 50. Those over the age of 50 may contribute as much as $6,000. The maximum contribution is phased-out between the following AGI levels: $107,000 to $122,000 (if you are single), $169,000 to $179,000 (if you are married filing jointly), and $0 to $10,000 (if you are married filing separately.)

Contributing the max while you can is smart because the payoff is huge. If you begin investing $5,000 per year when you are only 25 years old and do that for five years straight, that $25,000 has the potential to grow to more than $500,000 by the time you are 65 years old. That money will definitely help fund part of your retirement.

Finding Money to Contribute

Retirement planning can be very overwhelming and even intimidating for first time investors. There are also a number of people who do not even consider it because they feel like they don't have any extra to invest. The fact of the matter is that any little bit that you can contribute to a Roth IRA is a good thing. You could try setting aside $50 per month to start. Any windfalls you receive, such as a tax refund, can also be invested. You have to begin somewhere--don't be afraid to start small if you can't contribute the max.

Watch Your Withdrawals

A Roth IRA is designed to be an investment for retirement, but you can use account funds for other things. For example, you can withdraw up to $10,000 from your Roth IRA to buy your first home. However, your account must be at least five years old or you will suffer tax penalties. You can also withdraw funds to be used for other purposes, but you must be careful that you do not take out more than you have contributed if you do not want to pay taxes and penalties. If you withdraw earnings and not just contributions before the age of 59 1/2, you will have to pay taxes in addition to a 10 percent penalty. Some exceptions do apply to these rules; it is a good idea to consult a tax attorney if you are not sure how your withdrawals may affect your tax obligations.

Avoid Withdrawals If You Can

Although it is nice to be able to withdraw contributions from a Roth IRA, you should try to keep the money in your account so that you have it for retirement. If you give your money time to grow, you will have it when you really need it.

Read more articles from the author:

Do You Need Disability Insurance?
Car Shopping Tips for Smart Buyers
How to Find Real Estate Bargains

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Investing In Japan After The Earthquake - Where Investors Stand??

About Sherin; My Twitter; My Facebook Page

An article by Dave Kansas in a famous online publication discussing five points which explains why investors stop worrying about Japan. Uncertainties are still there and there are not much improvement after the worst earthquake/tsunami and nuclear disaster. News flashed around the world rumoring Japan would be the next Chernobyl but nothing happened. During this situation, why investors are still not worrying about Japan?

Global investors, especially in the U.S., have moved from fretting about Japan to deciding that there's really not too much to worry about. While the Nikkei 225 slid 1.7% last night, the U.S. market is looking more resilient. The Dow Jones Industrial Average has managed to regain the level reached ahead of the Japanese disaster. Similar rebounds have occurred in Europe and elsewhere in Asia.

Japan's market continues to grapple with all the challenges – the Nikkei 225 is still well off its pre-quake level. But investors outside Japan see opportunity. Global investors (again, mostly American) poured $2.3 billion into Japanese ETFs in March, with most of that coming after the earthquake.

There are top 5 reason why an investor or investors need not worry much on Japan. 1) It's a temporary disruption, 2) The yen has weakened, 3) The U.S. recovery trumps Japan's problems, 4) In Asia, the focus is really on China, Oil, 5) European Central Bank and Fed are bigger threats.

Dave Kansad done a great job by describing each of the above point in a well clear manner with his article. You can read the full article readily here.

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Nokia Uncovers the E6 and X7 Smartphones

Nokia, the world's largest phone maker by volume, unveiled on Tuesday two new smartphone models running on a new version of its Symbian software platform.

The new models, the E6 and the X7, will go on sale for 340 euros ($491.6) and 380 euros respectively excluding subsidies and taxes, later this quarter.

Both the E6 and the X7 are touch-enabled Symbian^3 handsets, but the X7 is a slate with a 4” touchscreen, while the E6 is a bar with a portrait QWERTY and 2.46” VGA touchscreen. Here's what the Nokia E6 product manager had to say about the new phone.

The Nokia E6 combines glass and stainless steel in a sleek 115.5 x 59 10.5 mm body and has a taste for BlackBerry blood. It packs quad-band 2G and five-band 3G – a true globe trotter. 3G is enhanced with 10.2Mbps HSDPA and 2Mbps HSUPA.

The E6 also packs Wi-Fi b/g/n and Bluetooth 3.0 with JoikuSpot Premium preinstalled (app that turns the phone into a Wi-Fi hotspot). Nokia have also added enhanced encryption.

The Nokia E6 has an 8MP fixed-focus camera with dual-LED flash capable of 720p HD video recording. Unfortunately, the cameras on both phones lack auto focus.

The Nokia E6 has 8GB of memory built into the phone, expandable by microSD cards up to 32GB.

The Nokia E6 also boasts impressive battery live – up to 28 days of standby and nearly 15 hours of talk time (2G numbers).

The Nokia X7 packs a 4” nHD AMOLED display with Gorilla Glass (doesn’t say its ClearBlack though) and has a stainless steel body. It comes with an 8GB microSD card pre-installed and a battery that’s good for up to 50 hours of music or 6 hours of video playback.

Both Nokias run the new Symbian Anna – that’s the Symbian^3 update we’ve been waiting for so long. It packs a split-screen keyboard allowing easier text input, an improved browser and enhanced security features too.

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6 Proven Money Habits to Practice

An article by Sherin Dev; Follow me in Twitter or Visit myFacebook Page

Are you serious to manage your money in a better, structured way? Here are 6 proven money habits for you to practice. These are very simple but the result would be fantastic.

Plan Budget

Having a budget in place is beautiful. Living in a budget is excellent! It would help keep track of your exact income and expenditures thus helpful to manage money in a better way. Budgeting considers as a best tool to clamp down unnecessary spending and expenditures to a great amount.

Pay bills in time

Nothing is free. If you pay bills in time, you are safe from penalties thus losing money too. If a person have number of bills at the end each month to pay and never pay in time, counting the penalties itself would reach to a considerable amount, that may sufficient to pay one or more of his bills later!

Avoid Debt

Lend intelligently. Identify the possibilities of getting money than lending. Pledging of gold or other items, selling of second items, are some of the best options than lending money from organizations and paying interests to that and late payment penalties.

Automate savings

Our world has lots of automatic saving options. One can start automatic saving by increasing employer provident fund contribution to systematic investments in mutual funds. Auto sweep and recurring deposits are another best ways to automate your saving. Identify what to suit to you and apply.

Use credit card wisely

Don’t be a loser with credit cards. Don't run with a credit card library. If you wish to use one, select right one, consider the factors like, fees, bills, changing norms and rules etc.. Wise spending with credit cards happens very rarely. Instead of using credit cards, use debit cards which generally doesn't have any fees for online or offline purchases.

Read About Personal Finance

We have enough resources to enhance our skills both online and off-line. Free and paid materials, purchasing or lending of useful magazines, financial publications and books are good and safe to increase personal finance knowledge. Having certain knowledge in each area you dealing with, helpful to avoid mistakes and plan your finance in a successful and structured way.

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Best Ways to Invest Money for Secure Long Term Investments

Editor' Note: This is a guest post by Ronen Vikki

If you are a parent, some of the primary things to put up a good corpus for your kid’s future include planning for an unambiguous time frame and corpus requirement, contributing systematically and regularly, being clear about the returns expected from each of the options and the tax repercussions over a long term. Considering all the above, there are various instruments that can be looked at in the current circumstances. Let us have a glance at some of the best long term investment options for your kids.

Get a Savings Account

If you are wondering how to invest money for your kids, you should know that one of the first things to do is open a savings account.Several financial institutions present modest savings account schemes for kids. Your kid will be in a position to make frequent deposits and observe the interest made. Also, savings accounts let you to withdraw the funds at any time – this gives nice flexibility for a kid who is slowly saving for a big purchase. But you should make your kid does not get burdened with hidden fees – there are some banks that implement fees as a way of turning a profit on these low money accounts.

Annuity – One of the Best Ways to Invest Money

The idea of annuity is a fine option in instances where you are planning to sponsor the higher education of your kids. An annuity is for the most part an investment account with an investment corporation, and as an annuitant you can keep on depositing a fixed amount on an annual or monthly basis. Most often, the amount remains uniform through out the length of the annuity. Once the maturity comes to pass, the business starts a chain of repayments. There are a number of features that annuities have in common with insurance policies. For instance, variable annuity guarantees are things that can be included in an annuity. Such a guarantee entrusts the proceeds to your kid in case of demise.

Getting Insurance is an Essential

In any case, when you are thinking about where to invest money, a key alternative that you have is a first rate life insurance policy. In plain English, such a policy looks after the financial future of your kids, in the event of your death. Insurance avoids any financial risks that might put the future of your kids at risk. Therefore, whatever the situation, you and your other half must have a life insurance policy.

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Get Amazon Kindle for $25 Less

Amazon is cutting the entry price of the Kindle by $25 -- but it'll cost readers in the form of on-screen ads which they can vote on as "attractive" or not.

The Seattle-based online retail and e-reader giant announced its lower-priced Kindle, dubbed Kindle with Special Offers, on Monday.

The ad-running reader will sell for $114 and start shipping May 3. The regular Kindle, free of advertisement, sells for $139 or $189 with free 3G wireless service.

Ads will display on the Kindle with Special Offers only in a strip across the bottom of the home screen or as a screen saver when the device isn't in use, and thus never interrupt reading, Amazon Chief Executive Jeff Bezos said in a statement.

"Companies sponsor the screen savers, you pay less for your Kindle," Bezos said."Plus, you receive offers directly on your Kindle that can save you more money, such as a $20 Amazon gift card for $10, six Audible books for $6 and an album from the Amazon mp3 store for $1."



Also Available

Kindle (Wi-Fi, 6") is available for $139.
Kindle 3G (Free 3G + Wi-Fi, 6") is available for $189.
Kindle DX (Free 3G, 9.7") is available for $379.

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Can You go to Graduate School for Free?

Editor's Note: This is a guest post by Brian Jenkins of BrainTrack

You've decided to go to graduate school. Now how do you pay for it? You can take out loans, but plenty of fellowships, grants, and teaching and research assistantships are available. Let's take a look at ways to go to graduate school for free.

Most graduate school awards are based on qualifications. Good grades, superior exam scores, and excellent letters of recommendation are important. Kalman Chany, author of Paying for College Without Going Broke, said, "Grad schools give awards based more on merit than need.

Doctoral Candidates

The more the faculty at a particular schools wants a candidate, the more money that candidate will receive. If a school really wants someone, the degree will probably be free. Also, doctoral candidates have a better chance of receiving awards than master's degree candidates."

Government Financial Aid

Some states do provide need-based financial aid for graduate school. Many have restrictions on programs of study, travel, and required research. Some awards may be reserved for minority students. Besides state aid, federal student aid is also available.

Need-Based Financial Aid

Colleges which require the Profile or the Need Access forms are more likely to provide need based aid. Need based aid is also provided by some public universities with state funded programs as well as private colleges with the biggest endowments.

Fellowships

Graduate fellowships are provided by universities, the federal government, and independent organizations. Portable fellowships, also known as external fellowships, are based on academic need, academic record, or merit. You can use a portable graduate fellowship for practically any graduate program at any institution of higher education. Here's a large list of organizations providing portable fellowships.

Students in economics, physical sciences, religion, engineering, and theology have the best chances of obtaining fellowships.

Bidding War

Even highly ranked graduate schools fiercely compete for the best candidates. Karen Klomperans, Dean of Michigan State University graduate school, said, "We want to attract the best MBA students and there is a lot of competition among the top 30 institutions for those students."

If applicable, contact the head of a school's graduate department and politely explain why the school is your first choice. However, you may not be able to attend because you've received a better offer from another school. If they really want you, they will more than likely up the ante.

Financial Sources Focused on Women

The American Association of University Women (AAUW) provides fellowships and grants just for women.

CollegeScholarships.org. provides information about scholarships for single mothers.

Employers

Most employers only pay for courses they consider work related. Even if your employer doesn't have a formal employment benefits program, you can still make a request for tuition money. The federal tax codes allow employers to pay as much as $5,250 per year in tuition for work-related courses.

Assistantships

Many schools hire graduate students to assist with faculty research projects or to teach courses. The school pays for the graduate school tuition and fees and some schools provide a monthly stipend and health insurance. Most graduate students are funded by teaching or research assistantships.

According to the notable publisher Kiplinger, in 2007-08 assistantships which required an individual to work in return for a stipend paid, on average, $14,055 for research assistants and $11,763 for teaching assistants. Almost half of the full-time students in master's degree programs in the sciences are paid assistants.

Through grants, scholarships, fellowships, and assistantships, you just may be able to attend graduate school without paying for it.

Brian Jenkins, a BrainTrack.com staff writer, contributes feature articles about careers and college degrees in management, among other topics.

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The Richest Kids In America: How They Earn It, How They Spend It, How You Can Too

Get ready to meet some amazing entrepreneurial superstars who are living their dreams and making a big difference doing it. They’ve shared their stories to inspire you, teach you, and show you that your own opportunities are endless. How did they discover their passion? What were their first steps to building their business? Who supported them along the way? Why do they all choose to give back to their community? In this book you’ll learn the key principles that catapulted each of these incredible young entrepreneurs to success and how these same principles will lead you to a life of ultimate fulfillment.

"The Richest Kids in America" tells the story of many young kids who took business into their own hands to earn a great deal of money, more than others make in their entire lives before the young age of eighteen. Covering how they found out what they wanted to do, how to get started when one can't even drive, finding support, and how youthful business leads to youthful optimism and philanthropy, "The Richest Kids in America" is an inspiring story to any young reader who has big dreams of their own.

Short, quick and written for the 14-18 yeards old, Opens minds to new ideas. A must read for the children of parents who want more for their kids than a series of jobs.

Mark Victor Hansen is one of the most respected authorities in the area of human potential and has created change around the world for more than 30 years. As the co-creator of the best-selling Chicken Soup for the Soul series, he has achieved phenomenal success with 144 million books sold and 200 titles in print, in 41 different languages. The Richest Kids in America is his latest project, and it will inspire readers of every age to wake up their inner being and obtain their true financial freedom!

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