Life, Liberty, and the Pursuit of Happiness. That's the American dream. Well, that and family, financial success, health, travel, and a myriad of other things that encompass the many goals in life. While retirement is eventually a goal that most professionals have, the over 50 population is full of motivated hard working individuals that have a lot of life to live, and many goals to reach. For the 50 plus businessperson with an entrepreneurial spirit, who maybe isn't ready to retire just yet, or perhaps wants to ensure that down the road when retirement does come finances aren't going to be something that holds them back, there are some unique business opportunities.The home based business world is not just for stay-at-home moms and rural business folk. Home based businesses and franchise opportunities exist for anyone that has a business mind and the willingness to put some effort into making their franchise a success. Here are some work from home ideas that are perfect for the over 50 businessman or woman.Managing a published magazine or booklet can offer the ease of being able to work from home with potential to have a very successful home business. Magazine and other published businesses can often be designed, marketed, and put together online through providers or software applications leaving only distribution to occur outside the home. Some popular models of this type of work at home franchise would include magazines like Homes and Land magazine which gathers information on properties and real estate and advertising to local realtors and associations. Many people pick up these types of booklets and magazines to see what the housing market is like, where they can afford to buy, and for many potential home buyers this is their first step. Making Homes and Land magazine an ideal place for real estate agents to place their ads and contact information and meet new clients. The Homes and Land magazine franchise can be run completely as a home based business and no prior experience in real estate or publishing is required. They provide all the training and support that you need!There are also many internet based work at home franchise options for the over 50 businessperson looking to start a higher-tech business. While there are many computer repair and network solution franchises, the over 50 crowd tends to shy away from beginning the "geeks and nerds" model internet franchise. The more popular option for this crowd is the internet franchise that deals with people, phone calls, and marketing to individuals. Businesses such as Adventures in Advertising provide the entrepreneur with the training and materials to access market niches not available to competitors by using their innovative programs. Adventures in Advertising markets and distributes promotional office supplies and materials that advertise your clients. This business-to-business promotional marketing franchise sees a high volume of repeat customers, low overhead costs, and a very effective and supportive "back end" support and service system to help the franchisee all along the way.There are also a number of service franchises that specifically work to benefit the elderly. These type of franchises that work with a large number of retired people appreciate a business that is run by someone that understands their needs and sees the need for these services in their own life in the near future. Businesses like this would include home care services, medical delivery services, and specialized services such as AMRAMP, which is American Ramp Systems Franchise. AMRAMP is America's leading ramp builder, and as many elderly American's become in greater need of ramps, wheelchairs, scooters, and other devices to help them maintain mobility providing these people with a necessity for their daily life is something that builds a successful business and makes a positive impact in the community. As an AMRAMP franchise owner, a full range of products is available along with extensive resources including full-service, full-support, engineering, marketing, and training support.
Friday, August 29, 2008
Wednesday, August 13, 2008
Sunday, August 3, 2008
Fuel and Propulsion technologies
Most automobiles in use today are propelled by gasoline (also known as petrol) or diesel internal combustion engines, which are known to cause air pollution and are also blamed for contributing to climate change and global warming. Increasing costs of oil-based fuels and tightening environmental law and restrictions on greenhouse gas emissions are propelling work on alternative power systems for automobiles. Efforts to improve or replace these technologies include hybrid vehicles, electric vehicles and hydrogen vehicles.
Automobiles
An automobile (via French from Greek auto, self and Latin mobilis moving, a vehicle that moves itself rather than being moved by another vehicle or animal) or motor car (usually shortened to just car) is a wheeled passenger vehicle that carries its own motor. Most definitions of the term specify that automobiles are designed to run primarily on roads, to have seating for one to eight people, to typically have four wheels, and to be constructed principally for the transport of people rather than goods. However, the term is far from precise because there are many types of vehicles that do similar tasks...
Stock Trading-The Stock Market
Stock Trading- How To Approach The Stock Market
Before an investor can begin to trade successfully in the Nigerian stock market, there are some basic skills that one needs to be able to position oneself for maximum profits.The Nigeria stock market is made up of two markets, the primary and secondary markets. A sound understanding of how these two markets operate is very vital if you are going to succeed. At this junction, let´s x-ray these two markets to understand their workings.
1. THE PRIMARY MARKETThe primary market is where fresh funds are raised, anyone who buys shares in this market does not pay any commission, If a company's IPO is out for the public, all you do is to fill the form and issue your check,The primary market is the period from the time of the IPO to the point where allotment was done and money returned to those who could not get all they requested for. The primary market is where both new (unlisted) and old (listed) can raise funds in the future either through PO, IPO, RIGHT ISSUES. Also, it is pertinent to mention here, that privete placement activities also are carried out by small sized companies that are aspiring to be listed at floor of the NSE also come to the public to raise funds privately.
2. THE SECONDARY MARKETIn order to have an enabling ground to buy and exit effortlessly, the stock exchange provides the platform for trading in listed company shares by institutions and individual. The secondary market is where potential investors can buy and sell such shares. Those who buy at the primary market who have received their share certificate and those who bought directly from the floor transact business at the primary market.
3. HOW THE SECONDARY MARKET WORKS.Once a company is listed, trading on its shares commences. The issuer´s broker announces the listing of the shares, immediately after which other brokers start trading on the company´s shares from that day. Stockbrokers come to trade on behalf of stock brokerage firms; they are members of the Nigerian stock exchange and are represented at the trading floor by stockbrokers.When a customer wants to buy a stock either by the advice of your stockbroker or on your own understanding, after the agreement on what to buy is reached, the customer gives his stockbroker a written mandate specifying those stocks. He will also fill out a CSCS shareholder´s form and transfer forms. The information given enables the customer to receive correspondence from the registrar and CSCS Ltd, In future, it is on these basis dividends, bonuses, annual accounts and reports will be sent to him. The customer will be issued a contract note by the stock broking firm, which is evidence of purchase. When such stock gets to an appreciable height in terms of capital appreciation in price, he fills out mandate for sale, mandating the stock broker/firm to sell on his behalf.In the final analysis, approaching the stock market requires that you acquire the foundational know-how necessary for trading, so that you can know how to steer your way in the sometimes uncertain waters of stocks investment.
Before an investor can begin to trade successfully in the Nigerian stock market, there are some basic skills that one needs to be able to position oneself for maximum profits.The Nigeria stock market is made up of two markets, the primary and secondary markets. A sound understanding of how these two markets operate is very vital if you are going to succeed. At this junction, let´s x-ray these two markets to understand their workings.
1. THE PRIMARY MARKETThe primary market is where fresh funds are raised, anyone who buys shares in this market does not pay any commission, If a company's IPO is out for the public, all you do is to fill the form and issue your check,The primary market is the period from the time of the IPO to the point where allotment was done and money returned to those who could not get all they requested for. The primary market is where both new (unlisted) and old (listed) can raise funds in the future either through PO, IPO, RIGHT ISSUES. Also, it is pertinent to mention here, that privete placement activities also are carried out by small sized companies that are aspiring to be listed at floor of the NSE also come to the public to raise funds privately.
2. THE SECONDARY MARKETIn order to have an enabling ground to buy and exit effortlessly, the stock exchange provides the platform for trading in listed company shares by institutions and individual. The secondary market is where potential investors can buy and sell such shares. Those who buy at the primary market who have received their share certificate and those who bought directly from the floor transact business at the primary market.
3. HOW THE SECONDARY MARKET WORKS.Once a company is listed, trading on its shares commences. The issuer´s broker announces the listing of the shares, immediately after which other brokers start trading on the company´s shares from that day. Stockbrokers come to trade on behalf of stock brokerage firms; they are members of the Nigerian stock exchange and are represented at the trading floor by stockbrokers.When a customer wants to buy a stock either by the advice of your stockbroker or on your own understanding, after the agreement on what to buy is reached, the customer gives his stockbroker a written mandate specifying those stocks. He will also fill out a CSCS shareholder´s form and transfer forms. The information given enables the customer to receive correspondence from the registrar and CSCS Ltd, In future, it is on these basis dividends, bonuses, annual accounts and reports will be sent to him. The customer will be issued a contract note by the stock broking firm, which is evidence of purchase. When such stock gets to an appreciable height in terms of capital appreciation in price, he fills out mandate for sale, mandating the stock broker/firm to sell on his behalf.In the final analysis, approaching the stock market requires that you acquire the foundational know-how necessary for trading, so that you can know how to steer your way in the sometimes uncertain waters of stocks investment.
Stock market woes
Stock market woes
Stock market woes
WHEN ONE of the largest companies on the Irish stock exchange loses nearly half its value (€3 billion) in one trading session, it takes a heavy toll on the rest of the market. That was the case when the share price of pharmaceutical firm Elan fell by 46 per cent on Friday after it reported complications with its multiple sclerosis drug Tysabri. Because Elan is such a large component of the ISEQ index - which measures the value of listed companies on the Dublin exchange - the ISEQ touched its lowest point for five years.
It was the culmination of a calamitous week for domestic investors which saw Ryanair report an 85 per cent fall in profits for the first quarter and chief executive Michael O'Leary warn of a possible €60 million loss for the full year. Investor reaction to the disappointing news proved swift, negative and brutal with Ryanair losing nearly 23 per cent of its market value in one day.
The Dublin exchange was the second-worst performing stock market in the world last year and 2008 has offered no respite. Markets are sometimes seen as a discounting mechanism. They anticipate the future and companies are priced on the expectations set for their performance and profitability. In that process, economic slowdowns are discounted while economic recoveries are anticipated and a company's share price reflects the prevailing market expectation. But where the unexpected happens - as with Ryanair's surprise loss and with Elan's setback on a key drug - and when market expectations are dashed without warning, the share price adjustment can be extreme.
A particular difficulty for the Irish stock market, which helps explain why it has underperformed its international counterparts, lies in its make-up and its very small size. The ISEQ index is dominated by companies in the two areas most adversely affected by the credit crisis and the global economic downturn and most exposed to the bubble in the domestic property market.These are the financial and construction sectors.
Just as the Irish economy has been too reliant on property related activity for growth, the Irish stock market mirrors this imbalance in its own composition. Foreign investors remain wary of a market that is small in size, narrowly based and where so many of its major companies operate in vulnerable sectors. Irish institutions and investors, who have been over-reliant on Irish shares for their portfolios, have already paid a price for their failure to diversify. Quite understandably they too are now reluctant buyers.
Stock market woes
WHEN ONE of the largest companies on the Irish stock exchange loses nearly half its value (€3 billion) in one trading session, it takes a heavy toll on the rest of the market. That was the case when the share price of pharmaceutical firm Elan fell by 46 per cent on Friday after it reported complications with its multiple sclerosis drug Tysabri. Because Elan is such a large component of the ISEQ index - which measures the value of listed companies on the Dublin exchange - the ISEQ touched its lowest point for five years.
It was the culmination of a calamitous week for domestic investors which saw Ryanair report an 85 per cent fall in profits for the first quarter and chief executive Michael O'Leary warn of a possible €60 million loss for the full year. Investor reaction to the disappointing news proved swift, negative and brutal with Ryanair losing nearly 23 per cent of its market value in one day.
The Dublin exchange was the second-worst performing stock market in the world last year and 2008 has offered no respite. Markets are sometimes seen as a discounting mechanism. They anticipate the future and companies are priced on the expectations set for their performance and profitability. In that process, economic slowdowns are discounted while economic recoveries are anticipated and a company's share price reflects the prevailing market expectation. But where the unexpected happens - as with Ryanair's surprise loss and with Elan's setback on a key drug - and when market expectations are dashed without warning, the share price adjustment can be extreme.
A particular difficulty for the Irish stock market, which helps explain why it has underperformed its international counterparts, lies in its make-up and its very small size. The ISEQ index is dominated by companies in the two areas most adversely affected by the credit crisis and the global economic downturn and most exposed to the bubble in the domestic property market.These are the financial and construction sectors.
Just as the Irish economy has been too reliant on property related activity for growth, the Irish stock market mirrors this imbalance in its own composition. Foreign investors remain wary of a market that is small in size, narrowly based and where so many of its major companies operate in vulnerable sectors. Irish institutions and investors, who have been over-reliant on Irish shares for their portfolios, have already paid a price for their failure to diversify. Quite understandably they too are now reluctant buyers.
Have stocks stabilized, or is there pain to come?
Have stocks stabilized, or is there pain to come?
NEW YORK:
After last week's dreary economic news, Wall Street is more certain than ever that it is facing a recession. But it's also seeing signs that corporate America is enduring the difficulties better than it anticipated.
With the Federal Reserve's interest rate meeting this week and second-quarter earnings still pouring in, investors are trying to decide whether the stock market is at a turning point, or just another plateau before the next big selloff.
The stock market was volatile last week. Investors were relieved to see some decent earnings, as well as moves by Ambac Financial Group Inc. and Merrill Lynch & Co. to rid their balance sheets of risky debt. But they were disappointed about sluggish gross domestic product growth in the second quarter, and a rise in unemployment to 5.7 percent last month.
The Dow Jones industrial average, after logging several triple-digit, back-and-forth swings, finished the week down 0.39 percent. The Standard & Poor's 500 index ended up 0.21 percent, and the Nasdaq composite index finished up 0.02 percent.
The Fed meets Tuesday, and policymakers are expected to keep interest rates steady at 2 percent, given the recent underwhelming readings on the economy. Inflation rose sharply for businesses in June as they paid higher prices for commodities, but it appears to have eased in July as the price of oil retreated in the second half of the month.
NEW YORK:
After last week's dreary economic news, Wall Street is more certain than ever that it is facing a recession. But it's also seeing signs that corporate America is enduring the difficulties better than it anticipated.
With the Federal Reserve's interest rate meeting this week and second-quarter earnings still pouring in, investors are trying to decide whether the stock market is at a turning point, or just another plateau before the next big selloff.
The stock market was volatile last week. Investors were relieved to see some decent earnings, as well as moves by Ambac Financial Group Inc. and Merrill Lynch & Co. to rid their balance sheets of risky debt. But they were disappointed about sluggish gross domestic product growth in the second quarter, and a rise in unemployment to 5.7 percent last month.
The Dow Jones industrial average, after logging several triple-digit, back-and-forth swings, finished the week down 0.39 percent. The Standard & Poor's 500 index ended up 0.21 percent, and the Nasdaq composite index finished up 0.02 percent.
The Fed meets Tuesday, and policymakers are expected to keep interest rates steady at 2 percent, given the recent underwhelming readings on the economy. Inflation rose sharply for businesses in June as they paid higher prices for commodities, but it appears to have eased in July as the price of oil retreated in the second half of the month.
China seeking to keep markets stable
China seeking to keep markets stable
Securities regulator Shang Fulin said China is going "all out" to ensure stability in the markets ahead of the Olympics in August, Caijing magazine reported on its website, citing sources.
Shang reportedly made the comments at a half-yearly work meeting of the China Securities Regulatory Commission in Beijing, the report said-"The Olympic Games are just around the corner and the market environment is becoming more complicated. We should go all out to safeguard the stable operation of the capital markets," Shang was quoted as saying.
The country's top securities regulator said China's stock market is still healthy despite plunging share prices this year.
"The fundamentals for a healthy stock market have not changed significantly, and China's macroeconomic foundation will continue to support the healthy development of capital markets," Shang said in comments published on CSRC web site on Wednesday.
The report said Shang did not mention in his speech specific actions planned by the CSRC, but urged that market rumors be kept under control.
According to earlier media reports, China's fund managers have been ordered not to comment on the current state of the stock market, including individual stocks.
Shang noted that the next step is to prioritize the development of corporate bonds and other fixed-income products, with the commission also pushing forward preparations for a growth enterprises board.
The commission will adjust the pace of fund raising exercises and speed up the launch of margin trading and other new managed fund products, Shang said.
Shang also said the commission will encourage financial innovation appropriate for the current level of maturity of China's markets, the report said.
Securities regulator Shang Fulin said China is going "all out" to ensure stability in the markets ahead of the Olympics in August, Caijing magazine reported on its website, citing sources.
Shang reportedly made the comments at a half-yearly work meeting of the China Securities Regulatory Commission in Beijing, the report said-"The Olympic Games are just around the corner and the market environment is becoming more complicated. We should go all out to safeguard the stable operation of the capital markets," Shang was quoted as saying.
The country's top securities regulator said China's stock market is still healthy despite plunging share prices this year.
"The fundamentals for a healthy stock market have not changed significantly, and China's macroeconomic foundation will continue to support the healthy development of capital markets," Shang said in comments published on CSRC web site on Wednesday.
The report said Shang did not mention in his speech specific actions planned by the CSRC, but urged that market rumors be kept under control.
According to earlier media reports, China's fund managers have been ordered not to comment on the current state of the stock market, including individual stocks.
Shang noted that the next step is to prioritize the development of corporate bonds and other fixed-income products, with the commission also pushing forward preparations for a growth enterprises board.
The commission will adjust the pace of fund raising exercises and speed up the launch of margin trading and other new managed fund products, Shang said.
Shang also said the commission will encourage financial innovation appropriate for the current level of maturity of China's markets, the report said.
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