Archive | April 8, 2017

Investment Management Training

In the early period of development of finance as a profession, i.e., until the early 1950s, investment management was primarily concerned with the procurement of funds. The subject matter was mainly confined to financial problems arising during episodic events like incorporation, merger, consolidation and reorganization. Thus, the traditional role of the investment manager was to raise externally the funds required by joint stock companies. The internal administration of finance was either ignored or dealt with by the promoter entrepreneur himself.

With the passage of time, the role of investment manager has undergone drastic changes. Presently, the investment manager is in charge of determining the total amount of capital required for both the short-term (working capital) and long-term (fixed capital). This is done by proper forecasting and planning of finance. Secondly, their job profile includes investing the funds in assets and projects, with the aim of making profits. This is to be done in such a way that the earnings are more than the cost so that there is a positive net return to the concern.

Now the investment manager is concerned with the management of assets, raising and allocation of capital, and valuation of the firm. Besides, he has to ensure the supply of funds to all parts of the organization, evaluate the financial performance, negotiate with bankers, financial institutions and other suppliers of credit, and keep track of stock exchange quotations and the behavior of stock price.

To play his role well the investment manager has different tools, such as cost of capital, leverage, capital budgeting, working capital management techniques and fund flow analysis/cash flow analysis. Cost of capital helps in deciding the appropriate source of finance. Normally the sources with minimum costs are selected, so that the weighted average cost of capital can be kept to a minimum. Capital budgeting helps in deciding the proper investment mix; the available resources should be used in the most profitable way. For this purpose, suitable projects should be selected from alternative courses by using capital budgeting techniques.

jumpsuits for women for stylish women on the go

The emerging trend in fashion makes buyers go crazy over cheaper deals without sacrificing the quality and their styles as well. Retailers of jumpsuits for women can get lucrative income from retailing especially now that women are so expressive and bold in fashion and with what they really want with clothes. It’s best to always keep in mind that buyers are always looking for great deals, stylish and high quality goodies without spending a lot of money.

Online dealers can be the answer to your concern. You can get low price clothes from them yet you can still pass on the savings to your buyers without compromising your earnings. A lot of shops today are offering wholesale and retail deals and its best to know that you don’t have to look for a wholesaler because you can easily find what you are looking for at a very affordable deal online.

The trend is changing very fast; it makes people shop for clothes often too. People especially ladies always want to keep up with fashion and they want only the latest trend that they found in magazines and movie artists too. As an entrepreneur who wants to earn big yet spend less in a capital, you need to know that there are different suppliers who are actually selling cheap womens jumpsuits. Most of the suppliers give enough time to their customers especially for those who are very much interested in reselling.

As a reseller, if you have questions or you don’t understand anything, you can ask the manufacturer about it. A lot of times, jumpsuits for women transaction are made on the internet so you can easily chat or send email to the supplier regardless if the supplier is within the country or out of the country. The supplier will be very glad to serve you regardless of where you are.

Always make sure to compare prices or quotes of one supplier to another and make sure that they can deliver womens jumpsuits on time. Professionalism and dedication of the supplier is also very important to resellers especially if the supplier is located out of the country. Most of the suppliers online offer catalog of the clothes so you can easily choose the clothing line design, style and brand that you want to buy. Don’t forget to identify your market so that you will surely earn in no time. Finding the right supplier may be challenging but it will be fun and rewarding later on.

Pros and Cons of a Healthy Lifestyle

Pros and Cons of a Healthy Lifestyle
by David Junno Psy.D.

Word count: 512

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Deciding to change your lifestyle.
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Once we recognized we have a problem, the temptation is to want
to make a change immediately. This, however, is rarely a good
idea. The reason is that for our attempts to be successful we
need to be absolutely sure we are willing to make the changes
necessary.

For example, if we discover that we have high cholesterol, we
might want to immediately start dieting and doing more exercise.
However, this can lead to problems. If we have not made a firm
decision to make the necessary changes, then when we encounter
obstacles, (which there will be many of), we will not have the
commitment to overcome them. We then might define our inability
to overcome the obstacles as a failure on our part. This is
likely to lead to the belief that we cannot make the necessary
changes, and we give up trying.

To avoid this problem we need to focus on making a decision to
change, rather than just reacting to bad news. One of the best
ways to do this is to focus on the pros and cons of making
changes.

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The Pros and Cons of Changing
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Take a piece of paper and write on the top what you want to
change, for example: exercising more, or eating less saturated
fat. Then make two columns on the paper and title one of them,
pros and the other one, cons. Under pros, write down all the
good reasons for making your change. For example under exercise
you might say, get into better shape, or have more stamina.
Under eating less saturated fat, you might write: lose weight.

Under the Cons, write all the reasons for not making these
changes. For example under exercise you might say, “I don’t
feel I have the time”, or “I don’t like exercising”. Or for
eating less saturated fat you might say, “I would have to
give up my favorite foods”, or “It will require a lot of
changes in my meal preparation”. According to Prochaska,
Norcross and DiClemete in their book, “Changing for Good”,
for a change to be successful the pros have to outweigh the
cons.

Are your pros more than your cons? If so, go ahead and start
preparing to change. If your pros are not more than your
cons, do not despair. This just means you need to focus your
efforts on looking for more of the pros, and coming up with
responses to the cons that will decrease their influence on
you. Being aware of the cons of making a change is very
important, as they tell you what you need to prepare for.
Being prepared for the obstacles before you encounter them
will improve your chances of success.

David Junno Psy.D. is a personal coach and author of:
Lower High Cholesterol, Reduce Your Risk of Heart Disease-
READY OR NOT! an e-book program for living a healthier
lifestyle. You can e-mail him at: djunno@… or
visit his website: