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Author: mandmweb

The Basics of Value Investing

Value Investing refers to a philosophy or practice of buying stocks that are fundamentally sound, but the stock price is below its obvious value. There are various indicators that Value Investors use to determine that a company is both sound and the stock price is undervalued. For the Value Investor, perhaps more than any other style of investor, is more concerned with the business and its fundamentals than other influences on the stock’s price. Fundamentals, such as dividends, earnings growth, cash flow, and book value are more critical than market forces on the stock’s price. Value investors are generally buy and hold investors. They will hold a stock for long term periods and are not concerned with short term swings in the stock price. When the Value Investor determines that the fundamentals are sound, but the stock is trading at a price below its obvious value, he or she knows that this is a potential investment candidate. The assumption is that the market has incorrectly undervalued the stock. Conversely, when the market corrects that mistake, the stock’s price should increase towards the obvious value point. How do Value Investors find a potential investment? – price to earnings ratio is in the bottom 10 percentile for its sector – debt to equity ratio is less than 1 – price to book value ratio is less than 1 – PEG value...

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The Hurrier I Go the Behinder I Get

When are Social Security checks potentially loans and not benefits? Why, when you have “excess earnings” of course. In today’s economy, many senior citizens still work during their “retirement” either because they want to or, all too often, because they must to make ends meet. Retirees who want to work as well as collect social security retirement benefits must plan their compensation carefully if they want to avoid losing some or all of their social security benefits. In order to collect social security “old age” benefits, you must be “retired.” Congress has reasoned that if you earn more than a specified amount, you are not “retired” and, therefore, are subject to having some or all of your benefits eliminated. Congress does allow you some earnings before your benefits are jeopardized. The amount of allowable earnings depends on your age. If you are over 65, there is no limit on the amount you may earn and still collect your full benefit. If you are at least 62, but younger than 65, you may earn up to $12,480 in 2006 before your benefits are affected. The earnings limit is adjusted each year for inflation. If you earn in excess of the limit, you must repay some or, potentially, all of the benefits you receive. For every $2 you earn over the $12,480 limit, you must give up $1 of benefits. A...

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Setting Realistic Goals

When we make a sale, or take one step closer to meeting our goal, we are overcome with a felling of achievement which motivates us to sell more. I’m sure that anybody who is reading this article has been in the situation where they may have been given unobtainable goals from one of their bosses, sales manager’s, or some higher up somewhere in the company. When goals are given that are unrealistic, the mission is doomed from the beginning. It immediately gives a feeling of despair to the sales team, which can be devastating to morale. The sales team...

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Tips for Selling Products and Services Online

Have you considered selling products and/or services online? Have you already jumped into this lucrative market? If so, how are your sales? If you are reading this article then you most likely haven’t reached your sales goal. So read on to find out helpful tips for selling your products and services online. Enlist the help of technological gurus to get you up and running on the Internet quickly. Don’t seek out a website design firm because they are often too slow. You need to manage the website. Have the website designer create a shell model from which you can...

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Why Use Lead Management Software?

Having a popular website, or popular company of any type, is entirely dependant on sales. Effective sales at that. Maintaining a healthy profit is key to the long-term survival of your web site or business and this means knowing the difference between your effective sales leads and your ineffective sales leads. Small Business Owner Lead management software is perfect for the small business owner or webmaster of a website. You may have numerous different affiliate links and many different salespeople. Sometimes it can be very difficult to manage your prospective clients. By using lead management software you can keep...

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