Portfolio Risk Software Tips and Techniques

Portfolio risk software can be a highly useful tool that substantially increases the amount of investment returns you can generate in your portfolio over time. This is something most investors don’t get from their brokers or portfolio managers, yet you can purchase and run it yourself for less than a single share of stock!Here is how this technique works: First, you input your current portfolio’s stocks, bonds, etc. You may need to download or upload some historical market data as well (this is usually the case). This is pretty easy and you can get most of this data for free from Yahoo Finance, Google, etc.Once you have your current positions and historical data in the portfolio risk software, you select your universe of potential other investments available to you. This is the “what if” part of the process the software will use to decide which stocks or bonds are better suited than others, and in what quantities. There may be another data step here as well. One of the easiest ways to do this is to use a bunch of ETFs to act as substitutes for specific stocks or bonds.The next step depends on what you want to accomplish. If you want to create an optimized portfolio, you can tell the software to do a simulation to find the right investments to add or subtract. If you want to find out what might happen if you added 1000 shares of stock X, then select the “what if” computation. If you want to see how your portfolio performed against a benchmark such as the Nikkei 225 or a Gold ETF, you can select the benchmarking analysis. Finally, if you want to know how much your portfolio is likely to gain or lose over a single day, week, or month, you can select the Value at Risk or Expected Return option.Portfolio risk software can be purchased for very little investment, yet it can help generate excellent risk-adjusted returns over time and limit your losses in stressed market conditions. Software packages range from under $25 to over $100,000, depending the type of user you are. For the individual investor, analyst, or student, it’s often best to start on the lower end. There are several tools available for Excel, or as standalone applications that can really help your investing success by providing the analytical capabilities used by Wall Street portfolio managers. If you could increase the probabilities of high returns with limited losses, it could have a tremendous effect on your retirement portfolio over long periods, even if you only get 1% extra per year!Considering the highly effective uses and limited costs, it’s well worth trying out a portfolio risk software package.

Yahoo! Finance – What Sets This Finance Website Apart?

“What Obama Must Say Tonight,” “10 Tax Moves to Make in 2010,” and “Ailing Banks Favor Salaries Over Shareholders,” are all examples of the dozens of articles that could be found today at Yahoo! Finance. Yahoo! Finance is a finance website that offers lots of free information and tools all related to finance. There are many websites today that offers resources and tools related to personal finance and investing, so what does Yahoo! Finance have to offer?*Free- Although there are some services available for a fee, accessing the Yahoo! Finance website is free and so is the use of many tools.*Personalized Updates- If you choose to set up an account, you can get personalized updates when you log on about stocks or companies that you’re interested in.*Up to Date- This is one of the best things that sets Yahoo! Finance apart. Market indexes and updates are updated frequently and the “news” is fresh.*At a Glance- You can see Market index averages for the day including the DOW, NASDAQ, S&P 500 and more, as well as graphs showing the trend in these averages for the most recent working day.What’s Up at Yahoo! Finance?In addition to the Yahoo! Finance home page, you can find helpful pages on:-Investing-News and Opinion-Personal Finance-My Portfolios (if you choose to organize your financial information here)- A Tech TickerOn the Investing Pages at Yahoo! Finance:Find out about “Today’s Markets,” including recent earnings statements, recent stock splits and more.Mutual Funds, Stocks, ETFs, Options, Industries and Currencies are all explored furher. Find research, converters, calculators, articles and more.You can also learn more about world stock index levels, world news and exchange rates are under “International.”"Research and Education” offers a business term glossary, personal tutorials on finance and investing and more.Of course Yahoo! Finance also offer “Community,” a section where you can chat, ask questions or join groups.On the Personal Finance Pages at Yahoo! Finance:Get your personal finances organized at “Banking and Budgeting.” Free trials of online bill pay are available. Frequent offers include free for 6 months and $4.95 thereafter.More under Personal Finance…*Insurance*Taxes*Loans*Real estate* Family and Income*RetirementOn the News and Opinion Pages at Yahoo! Finance:Look for articles on…*Industry news*New technology*Top picks by expertsCreating a Yahoo! Finance Account:Creating an account at Yahoo! Finance is easy and free. Once you’ve created an account, you can personalize your logon so that the information that is important to you will be displayed including stock prices and relevant news pertaining to companies you are interested in.The Perks of Yahoo! Finance:Yahoo! Finance visitors and members enjoy that there’s so much financial information in one place and that the articles and financial charts on Yahoo! Finance are kept up to date. They also like that so many of the services available are free. Visitors also applaud Yahoo! for having limited ads.Popular Tools at Yahoo! Finance:There are rate charts and calculators for Mortgage, Home Equity, Savings, Auto Loans and Credit Cards for fixed loans and ARMs. You can see rates across the country as well view rates in your area.What’s not to love about Yahoo! Finance?While many users like the non-nonsense format at Yahoo! Finance, others find the finance web sites look to be drab, boring and unexciting with little more than two colors, black and blue, a limited photos.Still, Yahoo! Finance is recommended as a finance website that has a lot of helpful tools and resources that are well organized, up to date and more than not, free.

Home Improvement for Less: Discount Home Improvement

A beautiful, well-kept home is something to be proud of. Home improvement, however, is usually an expensive undertaking. But if you know where to look, you can always find discount home improvement supplies at amazingly low prices.

Like most people, I’m sure you don’t want to pay more than you have to. The same applies to home improvement tools and materials that you need for your home beautification project. When you shop at discount home improvement centers, you’ll find what you need at a fraction of the regular price. Here are a few home centers where you can find everything you need for less.


This is a one-stop shop where you can buy things you need for home improvement at a lower price. Tools, appliances, kitchen cabinets, tiles, lighting, home decor and more are all available at Lowe’s.

Home Depot

Like Lowe’s, Home Depot carries a full line of supplies for home improvement at discounted prices. This franchise company specializes in tools and materials that you need to improve your home.

Big John’s Closeouts

When you need discount home items, Big John’s Closeouts comes to mind. You get supplies at deeply discounted prices from this outlet that specializes in closeouts, liquidations, overruns, transportation damaged building materials, and bankruptcies.

Habitat for Humanity ReStores

Items from these outlets are usually donated goods for resale. These goods are sold to the public at a fraction of the regular retail price. Shop around and you may find something you like.

Local Hardware Stores and Home Centers

Check out your local hardware store for promotions and discounts, such as buy one and get one free. You can also head to the back of the store to find discount supplies. Some items may need a little repair but they can still serve their purpose. You may also find a wider selection of items at local stores.

Come Up With a Budget

When you plan on improving your home it’s always best to keep a certain amount in mind that you are willing to pay. Naturally, you don’t want to end up spending more than you can afford. A realistic budget will ensure that you can complete your project while keeping costs to a minimum.

When preparing your budget, think of areas where you can save money.

NFL Players in the Business World

NFL players earn a lot of money and that makes NFL players a prime target for business people and con artists looking to make an easy buck. Every year NFL players are scammed out of tens of millions of dollars from business people and scam artists looking to acquire investment money to start a business. The reason for this is that NFL players are athletes and we are not well educated in business. That makes us easy targets.

I am one of the NFL players who has been scammed out of hundreds of thousands of dollars. As an example, several years ago I was approached by a business man who asked me to be a partner in his new business. He said all I have to do is give him $50,000 and he will do all the work and double my money. At the time I did not know about business and the thought of easily doubling my money sounded great. So, I gave him the money. He then quickly spent all of the money I gave him and went out of business. I never heard from him again. That taught me a very valuable lesson. If I want to make money in business, I must become an expert at business.

I’ve watched many other NFL players become victims of unwise business investments. This includes business people coming to them asking for investment money to start entertainment businesses, restaurants, clothing lines, clubs, and more. In nearly every instance, the NFL player lost every cent of money he invested to help start a business.

As I have studied business and become successful at it, I have developed some rules that I live by when starting a new business.

1. There is no such thing as easy money. Starting a business takes time and it is hard work. To be successful at business you must be patient and conservative with your money. As a rule of thumb, triple what you think expenses will cost and divide by three the money you think you will make. By doing that you will have a more accurate picture of how a business will perform in its 2-3 years.

2. When getting involved in business, only get involved in a business you are very passionate about. You must love the business you are in. And, you must be very educated about the business you are getting involved in. Don’t just blindly spend money starting a new business for which you have no experience. You must learn everything you possible can about running that type of business before you invest your money. If possible, get a job working in a very similar business so you can learn all there is to know about running that type of business. See if there are books written about the type of business you want to start and study them over and over. Also, talk to other business owners who run the type of business you want to start. Ask them for tips and the best way to run that type of business. Maybe you can hire them as a consultant to help you start your business. The more knowledge you can gain before you start a business, the better chance you have of making your business successful.

3. Look at your financial situation. Do you have enough money in savings to cover all of your personal and business expenses for at least one full year? If you do not, you are asking for trouble. Nearly all businesses do NOT make a profit their first year in business. If you expect the business you start to immediately generate a lot of money, you are in for a huge disappointment. Again, you must be very conservative with your money.

4. Find a good accountant who will help you with tax planning. If you can, find an accountant who has experience doing accounting for the type of business you want to start.

5. The most important thing you can do is find a successful business mentor. I continued to be unsuccessful in business until I found a business mentor (Peter Geisheker) who helped me with every aspect of running my business. I started an online store to sell NFL merchandise (mcsportsfan.com). Peter is an expert at Internet marketing and e-commerce and he taught me all the ins and outs of successfully running an online business. He has also helped me save a lot of money as I was spending a small fortune on Internet services that I did not need. Now that I am working with Peter, I am making money instead of losing money and I am having a lot of fun in business. Again, I cannot stress how important it is for you to find an honest and successful business mentor to guide you through building and managing your business.

Best computer science papers online

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