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The "Bear" Took Us to 1997 Levels It seemed like the bottom had fallen out for stock markets across the globe. By that measure this looked like it is awful times for investor portfolios, but on the other hand it's like winding back the clock 10 years and saying to most retail investors out there "Ok you should have been investing, but you haven't so here you go have another chance!" // History Yes many economies are in crisis and jobs are being lost, but this is all part of a cycle which repeats every 14 years or so albeit this time we are witnessing an economic downturn on a scale not seen since the Great Depression. Unfortunately pension fund managers and banks are quick to forget the lessons learnt in the past. All too often the markets are driven not by rational thought and sound investment practices, but by two simple emotions called Greed & Fear. I guess you know which emotion is driving the current "Bear Market" conditions... yes you guessed it - it's fear. // Greed & Fear And us being emotional beings we tend to overreact and panic which I dare say is great news for those who have the nerve to ride out the storm and reap the benefits later. The ^DJI (Dow Jones - Wall Street) index which comprises of the 30 top companies in the USA is down about 50% from it's 14,000 peak and it's now trading at about 6,850!! And whilst the gloom and doom news about the recession and the state of the economy keep coming thick and fast I do believe that we are now close to reaching the current bottom. Whilst no one can predict the bottom, not even Warren Buffet it's fair to say that the markets have probably been sold of enough to find some genuine stock or ETF bargains out there. Why do I think that? // Reason A portfolio of let say £150,000 invested back in the summer of 2007 across the financial sector, Dow Jones ETF, Crude Oil ETF and let say some emerging markets ETFs is now worth about £5,000!! Yes that's right! This is largely due to the value of investment and retail banks plummeting by as much as 90% in some cases. Whilst many of those banks have heavily invested in bad assets and deserve to be where they're at now, there are many sound financial institutions who will survive and rise again. Lets face it we all need bank accounts and banks in order to conduct all those day to day transactions from shopping for food to buying a house and needing a mortgage. What that means for the average investor today is that £5000 invested carefully today has the potential to be worth £150,000-200,000 in years to come. By years I mean 10-15 years from now maybe even longer. Once greed takes over again and we're at the peak of another 14 year cycle property prices will be sky high and the stock market would have led the way. // Investing for the long term Many of the so called losses in the stock market today are unrealized losses i.e. you don't make a loss until you sell the shares of your investments. And short of the company you invested going bust (many have gone bust) chances are you will live to see those gains again if you can stomach the see-saw ride we're currently in. So if you are gonna pick the stocks yourself go for the big blue chips who are dominant players in the global markets and are sitting on billions of cash enabling them to weather the storms and pay you a nice dividend too. // Protect your capital A good way of protecting your investment from a badly run company going bust is to invest in an Exchange Traded Fund (ETF) which is basically a basket for selling a single share for a whole sector (i.e. finance) or giving you a chance to invest in Crude Oil, Chinese stock market etc. and because an ETF tracks a whole sector, country's index, commodities such as Crude Oil or Gold, the risk of a whole country or a sector going bust is minimal. // Prepare for $300 a barrel oil We all painfully remember the not too distant past when oil was trading at $147 dollars a barrel and at the petrol/gasoline station consumers we're paying $4 per gallon or in metric measures well over £1 per liter. In those days there was much talk of renewable energy, nuclear stations, new refineries, new drilling offshore platforms etc. in other words all cards were on the table and no option was off limits. Fast forward to today and oil is trading at $40 per barrel a level which we thought we'd never see again in our lifetime. So the steep decline in oil prices reflects the even steeper decline in rhetoric about renewables and oil independence, yet the fundamentals of supply and demand remain the same. Yes demand has fallen off but OPEC has already begun implementing cuts in production and supply is beginning to decrease and once the global recession is over those resource hungry countries such as China, India, Brasil and others to the east will emerge as huge consumers of the black gold and other commodities. Some analysts are predicting $200-300 oil in the next few years. The least you can do is prepare for it by investing in an USO ETF to hedge yourself against it. // What about gold? Gold has long been a safe haven for investors in times of crisis. Does that warrant the current price of $910 it's hard to say. Gold can just as easily turn into the next bubble ready to burst, but at least you still have something tangible to keep hold of as an insurance. And having an insurance is not a bad thing. The same goes for silver. // What about property? Bricks and mortar have always been an attractive form of investment and for many of us it's the biggest investment of our lives yet we often fail to realize that unless we buy it outright without any bank loans (mortgage) you are just as exposed to market fluctuations as if you were to invest in stocks. Add to that the fact of variable rates from 3.5-12% and very quickly you can get in trouble and have your house repossessed as we are witnessing right now across the USA & UK housing markets. Property moves in 14 year cycles with a mid 7 year leveling off. We just came off one such 14 year high peak and it won't be for another year at least before prices bottom out and stabilize and perhaps another 2-3 years before we see signs of meaningful gains again. So if you bought at the peak buckle up and make sure you can continue paying your mortgage until the next up swing! // Recovery? So whilst the mess is big and the bottom may seem to have fallen out, recovery may indeed be underway starting in the far east first and then to the west. It's time to separate the gold from the chaff in order for the financial credit markets to unfreeze and whilst this will create some more short term pain it will put a floor under the systems feet once it's clear where all the bad assets are. // Conclusion There has never been a better time to begin investing in your financial future. Pension funds are largely overpriced and under performing so dump them and open your own self invested pension account (ISA) or other equivalent and start putting some money away into it on monthly basis. We've just wound the clock back a dozen of years back so don't miss the opportunity!

10 Easy Steps to Succeed in Your Online Classes

Congratulations Youve made up our minds to pursue your upper schooling, and doing so online is how to pass if you have an interest in a versatile, studentcentered educating manner. Studying online permits you to pursue different pursuits and attend to different responsibilities whilst nonetheless operating your method towards some extent. However, it will now and again imply that its clean to get distracted. Here are 10 clean steps to verify luck on your online categories.

1. Connect together with your instructors once conceivable. Even in case you are doing smartly within the category, its extraordinarily vital to increase a rapport together with your trainer. When you do that early on, you temporarily understand what the priorities are within the route, what expectancies the professor has of you and youre going to be motivated to prevail, surer of whats forward and higher ready to do smartly with the impending subject material.

Valuable questions to invite your trainer come with the next

How versatile are you with time limits How versatile are you with grownup freshmen What applied sciences do you employ within the route How to be had are you through e mail and different sorts of verbal exchange How do you put up an internet neighborhood and what are the expectancies for participation in it In addition, since instructors are to be had to lend a hand all over the classes, its all the time just right to have had private touch with the trainer early on. This method, when you wish to have lend a hand, its more straightforward to achieve out and get the help you wish to have.

2. Confirm the technical necessities of the route. Online categories can also be very advisable for college kids with busy schedules, however provided that they are able to simply get right of entry to the fabrics. It is vital to obviously perceive what the technical necessities are. So, ahead of the route begins or as quickly thereafter as conceivable, youll want to test that your pc will paintings with the entire online equipment, and that you understand how to navigate them. This will be sure that you dont must spend time all the way through the route attempting to determine the generation.

three. Create a time table and stick with it. Quality online instructors create classes which might be clean to navigate and feature transparent expectancies. Having that roughly easytodealwith framework in position will make learning and succeeding that a lot more straightforward. However, although the framework and necessities of your category arent as transparent, youll create a time table and construction, which is able to very much fortify your probabilities of luck within the route. Using equipment equivalent to Google Calendar is a good way to start out. Knowing how your weeks and months glance and scheduling blocks of analysis time for each and every activity or module will will let you stick with a time table.

four. Ask questionsall the time. When you dont perceive, ask questions. When you do perceive, ask additional questions. Instructors recognize scholars who take part, and if theres a participation or dialogue part a part of the grade, then asking high quality questions is helping guarantee your grade on this space. Even if there isnt a participation part, its all the time helpful to invite inquiries to remember to perceive the fabric and are transparent on what is needed of you.

five. Be arrangedand keep arranged. Students whore taking conventional, campusbased classes most often have a constant time table to observe each and every week, through which study room instruction is adopted through assignments out of doors the category. However, for online classes, scholars will have to search out their very own techniques to stick on most sensible in their paintings. It is crucial that you just be arranged from the start of the semester with the intention to achieve success in an internet route. For instance mark task due dates on your calendar, discover a submitting machine for each online subject material and bodily subject material that is helping you stay monitor of the whole lot simply, and shed light on find out about schedules that duvet sections of the route one by one so youve got an arranged tactic to protecting the semesters subject material as you pass alongside.

6. Have a blank, quiet, and constant workspace. One factor online and inclass classes have in not unusual is that scholars all the time want a spot to review or whole assignments this is blank, quiet, and constant. You can select the place that is for youwhether or not its at a espresso store, a college library, a devoted place of business, or at house. Wherever you select to review and whole assignments, you must make it a constant location that doesnt have out of doors distractions. It is basically key that where is quiet and lets you focal point in your paintings with out distractions.
7. Do no longer procrastinate. Successful distance freshmen hardly procrastinate. They dont do away with assignments or wait till the final second to write down their papers. Successful online scholars experience freedoms that come with operating at their very own tempo and the facility to finish their paintings in as a lot time because it takes them. On the opposite hand, they know that finishing their assignments is best performed early and on time cramming merely doesnt paintings, and it doesnt will let you retain knowledge longterm. Get began early on getting a success.

eight. Work in your studying comprehension. Successful distance freshmen generally tend to have just right studying comprehension abilities. Most conventional, campusbased scholars concentrate to lectures and take notes, and a few online classes additionally require this. However, the vast majority of distance freshmen are anticipated to grasp subject material thru a large amount of studying. Although far finding out classes be offering video recordings and audio clips, maximum systems require scholars to hide and grasp a considerable amount of written knowledge. If it is a problem for you, it could be very useful to first sign up in a studying comprehension route there are lots of assets online that will help you do that. This ability by myself could make a huge distinction on your luck.

nine. Establish and admire routines that be just right for you. If, for instance, youre employed best within the morning or in brief bursts, then set find out about routines that can help you find out about within the prelunch hours when your mind is contemporary. If, then again, you do best through learning at evening or at the weekends when youll devote nightowl hours or longer blocks in your learning, then make it some degree to take action. Consider how and whilst you paintings best, and enforce a find out about plan that respects the routines that be just right for you.

10. Connect together with your friends. Establishing sturdy connections with friends and professors is a very powerful facet of tutorial luck, in addition to skilled development. One of essentially the most rewarding reports in schooling is finding out thru collaboration. Forming significant relationships together with your friends and professors can can help you be told extra, keep motivated, and feature an outlet to specific your personal working out of subject material. So, keep attached thru message forums, chat rooms, e mail, and different digital assets. And take note lots of the other people you meet in faculty shall be conceivable process assets down the road so determine connections and keep in contact

Florida National University gives a wealth of tutorial and professional online classes. Check out the entire choicesyour long run is ready

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