Sonika wrote a new post, Working With A Mortgage Company To Secure A Home Loan Is Profitable , on the site Business blogs 1 month ago
Summary: Mortgaging is quite common to be seen when it comes to sale and purchase of properties. The companies engaged in such acts are specialized in disbursal of loans that makes a profitable deal.
When it […]
Mike Abbot wrote a new post, Diversified portfolios are a must for SA’s HNWIs, on the site Sable Wealth Investments 1 month ago
Mike Abbott at Sable Wealth
South Africa’s 47,464 high net worth individuals (HNWIs) hold only 17.4 per cent of their wealth outside of the country, according to the South Africa 2014 Wealth Book. This is well below the global average of 20-30 per cent. This is a risky strategy in any geography, but when you add to this that the Rand is one of the most volatile currencies in the world and investments in South Africa are also exposed to political instability, the real risk becomes patent.
The “home” or “domestic” bias often arises from lack of experience or a poor understanding of offshore investments and misconceptions about the potential tax or other financial implications. Relying on local firms and investment opportunities seems reasonable when that is what you feel comfortable with, but many investors would no doubt change their strategies if they knew the real opportunity offered by international diversification, and indeed, the opportunity cost of limiting their investments to domestic equity funds.
The chart below compares international markets not according to land mass, but by the size of each country’s stock market relative to the world’s total market value. Whilst the US is by far the biggest market, some of the other countries’ relative share you may find surprising. China, Japan, Germany, France and the UK, which make up the next five biggest economies (as measured by GDP and according to the World Bank), make up a combined share of just 22 per cent. The implications here are large as the domestic investor in developed financial centres such as South Africa, or even Spain and India, is exposed to just a fraction of the global equity market, increasing local market risk, whilst curbing exposure to offshore gains.
Figure 1: World Market Capitalisation (£23.1tln as at 31 Dec 2012)
What is obvious is that there are genuine benefits to investing outside of your home market, but over and above that it becomes near impossible to identify which market will offer the best gains. Therefore, it is wise to diversify across as many countries as possible, exposing your investment to the biggest and most developed capital markets, and increasing your risk-adjusted return.
For investors currently limiting their portfolio to local opportunities, the first and most important step is breaking the domestic-international divide. While it seems daunting to venture into unknown financial territories, with the right guidance any investor should be able to build well-balanced funds that have a global strategy, but are still informed by expert local knowledge.
For South Africans especially, this is an urgent requirement. Many investors in South Africa are not aware that the range of offshore funds approved by the FSB is limited, so they revert to asset swaps. These are expensive and result in inefficient offshore investment management. Investors should rather be insisting that their FSB-regulated IFA works with a provider that is regulated to invest abroad, to give them much more investment freedom. They should not be happy with a South African fund invested abroad – they should insist that the money is invested globally directly.
The South African stock market represents just one per cent of global market capitalisation. This means funds that are biased to the SA market are facing 99 per cent of untapped potential. Add to that the volatility – both political and economic – to which home biased investments in South Africa are subject, and the argument for diversification is even stronger. If you plot the Rand against the VIX global volatility index, you’ll notice the extent to which money flowing in and out of the country is tied to the volatility of global markets. Furthermore, equity portfolios in South Africa are heavily weighted with JSE Top40 stock, so sector bias is added to currency bias and the result is a worrying lack of diversification.
When South African investors look at both the risks inherent in the country’s markets and those associated with any investment that is biased to a single market, the real costs and the opportunity cost combine to make a persuasive argument for international diversification.
Andre Smith wrote a new post, Money in Art: Art as a Business Investment, on the site Money Talk 1 month ago
When it comes to investments, art is one of the more mystical and enchanting out there, simply because of the possibility that values can shoot through the roof. Some of the most celebrity-adorned events are art […]
Jenny wrote a new post, How can we put an end to the stigma called child labour?, on the site Finance tips 1 month ago
It is only appropriate to call child labour an existing stigma as it takes away from children what is most important to their existence; their innocence and their childhood. Children, no matter which country […]
richardo fuse wrote a new post, Advice on Picking the Best Promotional Items, on the site Richardo's financial view 1 month ago
Giving away promotional items to your clients/customers/partners is one of the basic ways in which you can promote the awareness of your brand. It is also one of the oldest ways of promoting your business and this means only one thing, it works. Not many practices survive the changes in the business climate that happen every now and then. Well, promotional items do and there are more than a few reasons for this. Here, we will give you a few pieces of advice on what you should think about when picking the promotional items for your company.
The first thing to do is to consider your budget. If you are a small business, you will probably have limited funds for promotion, including promotional items. If this is the case, you need to get creative and think of something cheap that will also leave an impression. Sometimes homemade and handmade can be of great help. If you have more money to throw around, then go large as you will be saving money the more promotional material you buy.
You should also think about your promotional items all the while keeping your actual business in mind. For instance, if you run a gym, you will not have your logo printed on mining helmets that you got made for your clients. You will want to have water bottles as your promotional material, towels perhaps, something that people will use and something they will relate to your business. It is very important that they use the promotional items as this will make your logo and your name omnipresent without them even realizing it.
In addition to your clients using your promotional items, it would also be a good idea if it was something that they will be using over and over again. Once again, we will go with the gym. If you have your logo printed on high quality water bottles, your clients will be more likely to start using them as their everyday water bottles and you will get brand penetration into places where you never dreamed of going.
Of course, it goes without saying that your promotional item needs to be something that will catch the eye and not just another t-shirt or a cap with your logo printed on it. There are so many things that you can have your logo on and you really need to be creative here. Also, steer clear of the oldies but goodies. They are not goodies any longer. No one wants another key chain with a logo of a car dealership.
Finally, when you are creating your promotional items and when you are still in the development process, make sure that you have a flashy logo or something that will stand out and that will have people notice it. You cannot have lines of text printed on your promotional material. If you are not too familiar with this, you can always have someone do this for you.
Image credit: Cubic promote Australia
Sonika wrote a new post, How to Avail Used Cars Loan in India?, on the site Business blogs 1 month, 1 week ago
The common notion that drives individuals into buying new cars is to hone their driving skills before purchasing a new vehicle. Thanks to the way Indians drive! But, there are many other reasons that can land […]
Terrence Stoker wrote a new post, Ask yourself these questions before you even start looking for property, on the site Money Think 1 month, 1 week ago
Buying property is exciting. But before you look for your future home and fall in love with something that’s completely wrong for your situation, ask yourself a few tough questions first.
What is your budget? […]
Staff Training wrote a new post, How to Choose the Right Training for Your Staff, on the site Staff Training 1 month, 1 week ago
And how to ensure you both get the most from it!
Before sending your staff on training there are two important factors you must first consider:
1. What training course will be the most appropriate for your […]
joys joy wrote a new post, Redefining Customer Service the Sal Maglietta Way, on the site News 1 month, 1 week ago
The achievements of Sal Maglietta are more than what catches the eye because he had a hand in elevating the market position and profitability of many financial companies throughout his career of more than three […]
Tom Brown wrote a new post, The Benefits of a Pleasant Office Space, on the site Global Finance News 1 month, 1 week ago
When you’re running a busy company, the upkeep of your office space may not be at the top of your priority list but you’d be amazed at the difference the working environment makes to employee productivity and […]
constantitempurchasingpoweraccounting wrote a new post, Distinguishing the Unit of Account from the Unit of Measure, on the site Capital Maintenance in Units of Constant Purchasing Power™ 1 month, 1 week ago
Distinguishing the Unit of Account from the Unit of Measure
“Distinguishing the Unit of Account from the Unit of Measure
The term “unit of account” does not appear in the conceptual framework, although the […]
Jenny wrote a new post, Sound Career Plan And Graduate Schemes Are Cornerstones For Achieving Your Goal, on the site Finance tips 1 month, 1 week ago
The first thought that crosses the mind after completing graduation is the career option that will suit you best and where you can utilize your skill sets. Career planning is an important step to define your […]
Harry Golden wrote a new post, Professional Rug Cleaning for Your Area Rug, on the site General Tips and Ideas Blog 1 month, 1 week ago
Is rug cleaning all that difficult to do? Yes, if you are not really aware of how to clean area rugs. Rugs are made from both natural as well as synthetic fibres and they need special care. Moreover, if your home […]
Chetan Panchamia wrote a new post, How does FII activity affect stock market movements?, on the site Indian Stock market analysis 1 month, 1 week ago
A very familiar term in the stock market jargon is FII. We hear the word being thrown around by investors, traders and market analysts all the time. It is one of the crucial parameters that are taken into account […]
Jenny wrote a new post, Avail The Cheap Resort And Save Money On Your Vacation, on the site Finance tips 1 month, 1 week ago
Whenever you are planning for a vacation, overspend is an easy option for all and also to forget the budget plan, previously made. While planning for a break from the real world, money seems to be the last […]
joys joy wrote a new post, When Good Content Is Too Good: Eric Schiffer of SEOP Explains, on the site News 1 month, 1 week ago
Despite popular sentiment, search engine optimization (SEO) isn’t anywhere near dead. In fact, SEO has become an even more specialized field than it was in the early days of search queries, since the major players have become savvy to all of the old and questionable tactics. SEO professionals now have to have a very strong grasp of business, marketing and coding. It’s a whole new world.
Fifteen years ago, an SEO professional didn’t have to have any expert knowledge in programming in order to achieve results; it was all about keywords, article directories and links, according to Eric Schiffer, SEOP consultant and best-selling author. SEO specialists now have to decipher all of the Google analytics and Facebook insights in order to determine effective long-term strategies for clients.
Google algorithm updates have not only created the need for sophisticated SEO solutions, they have also made the SEO profession respectable. Keyword stuffing, link exchanges and doorway pages have been exorcised from the professional SEO repertoire, so it is essential that any credentialed SEO has built up substantial HTML, programming, and web hosting skills.
Google algorithms take hundreds of factors into account when determining the ranking of any website, and SEO professionals have to navigate as many as practicable. In order to ensure security against algorithm penalties, an SEO specialist has to be able to make adjustments to offending websites quickly. Moreover, the expert should be fully aware of all elements that contribute to ranking factors, as well as the client’s individual industry requirements.
SEO might not really be a standalone discipline anymore, but it has become a major branch of both marketing and web design, according to Eric Schiffer of SEOP. Any SEO professional worth his or her salt will have to have abilities above and beyond just what might earn temporarily high search engine rankings.”
joys joy wrote a new post, Why You Should Only Use Stainless Steel Nails and Not the Low Quality Alternatives, on the site News 1 month, 1 week ago
Carpenters all over the world will tell you that you should only work with stainless steel nails if you want to create something that is of excellent quality. This is reiterated by various other professionals in a […]
joys joy wrote a new post, What Sort of Sign Hanging Hardware Do You Need?, on the site News 1 month, 1 week ago
The most important practice for any business is their marketing campaign. This includes such things as radio and television and, naturally, the internet. However, you should never forget the importance of […]
Jenny wrote a new post, Ecommerce Jewelry Is A Lucrative Business Venture Which Has Bright Prospects, on the site Consolidate The Secured Loan And Take Stock Of You 1 month, 1 week ago
Selling jewelry is a great idea if you are passionate about jewelry and want to turn you passion into a trade. By creating an internet space for your jewelry, you can sell your products to several men and […]
Jenny wrote a new post, Educating The Visually Impaired With Proper Software Developments Of A Smartphone, on the site Consolidate The Secured Loan And Take Stock Of You 1 month, 1 week ago
As per the latest news feed, it has been found out that reliable manufacturing units in collaboration with technical software development companies have come across some of the best developmental tools, for the phones, made for visually impaired. They have been testing and at the same time dealing with the potential life altering service of the interactive wireless segment. These are tested on a group of impaired students, who were planning to attend any summer enrichment program, related with the visually impaired services. With the help of this technique, people can get to recognize faces and also navigate their travel forum and also determine colors, through a single touch of the wireless connectivity.
Some assessments to deal with
There are some special assignments, which you can try and get hold of, while planning to deal with wireless technology related with Smartphone users. This can be defined as the first wireless solution, which can help the users to get hold of the wide assortment of applications, which can allow the blind people to be even more engaging towards their integrated society and classroom features. For the betterment of the clients, the software is made in such a manner, which was tested on different parameters and on a large section of visually impaired personalities, before jumping for a final say.
Features associated with visual display
There is some special visual display segment, which you need to focus at, while planning to educate the use the Smartphone well, made for visually impaired. For the first and foremost option, you are asked to get in touch with the professionals who are associated with this field for quite some time now. As they have made the advancement, therefore; they can also help you to gather some best information, on its uses. The visual display area is going to comprise of caller ID, all menu option, Access to some of the text message forum and some indicators, as well. Some indicator options are signal strength, level of the battery, roaming status, call status and more.
Learn about accessing information
Blind people cannot see the notifications, placed on the phone, as part of their cell phone device. During such instances, the use of sound technology can prove to be a reliable option, on the cards. With a single press on the key of the phone, the sound technology will create a voice echo version, where the information on that particular key will be read out loud. There are some typical display segments and scanning options available as well, which you need to learn from the manufacturing units or your parents, as well.
Points under the information category
While you are planning to access information related with the product manual, there are different and alternative formats, which the visually impaired people can avail. These are available in large print, Braille, electronic prints and more, which can also include images as well as graphic designs. The billing segment of the cell phones can be availed in the above mentioned alternative forms, as well. If you want, you can also look out for the web address, which is designed with the telephone number for greater accessibility rate. Thus, these cell phones can be easily categorized under the segment of gifts for the blind.
Practice is the main key
From learning about different colors to crossing road safely, reading books to scanning images, there are so many options, which you can learn through Smartphone for visually impaired. However, it is also an inevitable truth that practice makes a man perfect. Therefore, the blind people also need to practice a lot, if he wants to use a Smartphone, with ease.
Jonathan Marker will let you know more about the proper uses of gifts for the blind. Handle the Smartphone with care and it can be used in order to make your life a better place to live in.
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