Monthly Archives: April 2020

Some Interesting Common Cold Statistics For The New Season

Common cold statistics provided by government agencies indicate that on the average children have six to ten colds per year, but some children have as many as twelve. Seeking treatment for a common cold is one of the leading causes of doctor visits, though doctors can do little to treat the illness. Antibiotics are ineffective and should not be taken for common cold prevention or treatment. Over use of antibiotics is believed to be the cause of an increase in more resistant strains of bacteria.

What to take for a common cold is a matter of some debate. Practically everyone has there own home remedy and researchers have studied many of these for effectiveness and safety. Over the counter drugs such as antihistamines have been evaluated for their effectiveness in treating common cold symptoms and while research indicates that these products are safe when used as directed, many of them may be ineffective. One study showed that the most effective of these over the counter drugs is one called guaifenesin, an expectorant.

Common cold statistics relating to lost days of school indicate that 22 million school days are lost each year on account of the illness. However, many products should not be taken by children. The directions for a common cold remedy will typically say “not for children under 12” and may advise doctor consultation. Additionally, parents should not give child aspirin or products that contain aspirin because of the established link between aspirin use, viral infections and Reye’s syndrome, a rare, but sometimes life threatening disease than can follow viral infections in children. A number of infant and toddler deaths have been associated with overdoses of over the counter cold remedies. When treating your children, read directions carefully, age and weight are factors. Those products that are designed for “children” are usually not safe for infants. Always check with your doctor before given any over the counter medication to a child.

Adult common cold statistics vary greatly. On the average, most adults have two or three colds per year, but some people have none and some have more than three. Those who care for school age children probably have more than the average. People who have asthma are more susceptible to colds. Scientists studying asthma patients found that they produce less than average anti-viral proteins. Anti-viral proteins, produced by specialized blood cells, can prevent a virus from being able to reproduce and can destroy viruses by attaching to them and causing holes in their cellular walls. Products that stimulate immune system function are sometimes recommended for a common cold, for this and other reasons.

Most immune system stimulants contain vitamin C. During an infection, vitamin C levels in the bloodstream decrease dramatically. Vitamins A, E and the mineral zinc are also necessary for proper immune system function. Other nutrients, such as calcium and magnesium are needed so that the cells of the body can easily absorb vitamin C. In other words, a good daily multi-vitamin, in addition to a well balanced diet, rich in fruits, vegetables and whole grains can be good for a common cold and for overall good health.

The latest common cold statistics from Reuters Health Information concerns a study performed at the University of Virginia, in which researchers enlisted 15 people who were infected with the rhinovirus (the virus that causes the majority of common colds) to stay in a hotel room overnight alone. The objects in the room that the participants reported touching were swabbed and tested for active rhinovirus on the next day. The researches concluded that the virus remained active and capable of infected others for a day or longer. Previous information for a common cold causing rhinovirus indicated that the virus could remain active on surfaces for as long as three hours. What this new study means is that the virus remains active longer and is more easily transmitted than previously thought, making good health habits to prevent   transmission  even more important. To learn more about the common cold and natural products that may help reduce the number you get every year, please visit the Immune System Booster Guide.

Alcohol Education

A multi-billion industry across the world, the sale and marketing of alcohol is a very lucrative one and when enjoyed in moderation and in the right setting, it can be a very enjoyable lubricant to social interaction. However, like anything else in life it is the excess usage and consumption of alcohol that causes the problems of which their severity is only matched by their number.

Part of the problem with trying to raise education and public awareness about the dangers of excessive alcohol consumption is that we live in a very alcohol dominated society and so trying to get people to give up is no easy task. This is oftentimes a direct consequence of an anxiety about being alienated from their peer group.

However, the sheer volume of evidence that is available which clearly demonstrates the very dangerous nature of alcohol is too high and too extensive to casually sweep aside.

Alcohol has a significantly detrimental impact on our overall sexual health and wellbeing on a variety of different levels. First, it reduces our fertility which makes it all the more difficult to conceive a child. In addition, alcohol can also impair a man’s ability to obtain an erection and this impotence can be long term.

The fact that alcohol impairs our judgment and reduces the inhibitions we have is also of grave concern and this is because people will be more likely to find themselves in a situation of sleeping with a person that they may not have otherwise done. Furthermore, there is also the risk that they people who are under the influence of alcohol will not be as cautious as they should be when it comes to ensuring that they have some degree of protection when it comes to sexual intercourse.

This raises the risks of the person acquiring sexually transmitted diseases (STDs) such as HIV, syphilis, chlamydia and genital warts to name but a few. It is important to note that the potential possibility of an unwanted pregnancy, along with all the heartache and emotional disturbance that will undoubtedly bring, must also be weighed in the equation.

Studies have proven that people who habitually consume higher than the recommended safe limits of alcohol will place themselves at a greater degree of risk for the contraction of a stroke. A stroke is the process whereby a clot in the bloodstream takes place in the “pipes” of the body, the arteries. It can also arise where a blood vessel ruptures in the brain.

The reason that alcohol makes this grim reality even more so is due to the fact that it increases the dehydration of the body which in turn, renders the blood flowing around the body, much more viscous and thick. Because the blood is thicker in its nature, this means that is also more sticky which makes it more likely that a clot will form.

By virtue of the fact that alcohol will raise the blood pressure of the body, this also serves to increase the risk of a stroke.

Porn Addiction May Deplete You From Life

Masturbation and explicit entertainment addiction are mutually related, and most addicts of both these habits don’t know where masturbation dependence comes to a close and smut enslavement starts. Numerous addicts get no delight from smut alone. The porn pictures fortify masturbation, and after that, masturbation gives the quite undeniable high that causes the fixation; and thus it goes round and around.

The sorts of pornography that addicts use as their resources to jerk off are various and range from standard photos and scenes to hentai drawings, animated cartoons to webcams and shooting themselves doing sexual acts and afterward stroking off to it. The quantity of genital climaxes of both genders changes per session. A few addicts can climax up to 15 times each day or more – consistently – relying upon how raised they are in their addiction.

Porn dependent youths in High School regularly need to go to the washroom to stroke off amid classes when compelled by urgent and over-the-top porn contemplations which actually command their brains. Like porn addicts of all ages, recollected pictures and recordings divert them from everything else. However, the addicts of all ages get surpassed regularly with the desire to utilize porn and jerk off regardless of the fact that they are not contemplating porn and can’t settle or capacity until they do.

At the point when explicit entertainment addicts attempt and quit porn, the considerations of things they have seen move round their brains like marbles and torment them. Recouping addicts can recall these pictures numerous years after they last utilized porn as a medication. Porn addicts frequently feel constrained by their dependence on jerk-off in broad daylight in public places. In case, they don’t jerk off during these circumstances, they frequently can’t adapt to the fractiousness and disturbance that accompanies the derivation of not having discharged routinely.

At the point when their life circumstance permits it, the porn addicts spend an entire day or days seeing porn. Amid these circumstances, the addicts portray feeling like ‘zombies’. They attempt to get relaxed, yet need to continue stroking off throughout the night until the time has come to get up and to go to work or school. It is extremely basic for porn addicts to have an example amid drinking sprees of being fixated on discovering certain sorts of porn pictures or scenes and can put in hours or even days looking for them.

The compulsion is like a parasite which destroys their life in entirety. They sense that they are in chains which they can’t get rid of. They are under the course of a severe impulse to get involved in porn over which they feel they have no control. Numerous addicts talk about feeling like they are always living in a boxing ring being beaten up by their dependence on erotic entertainment. Some depict it like being in a sand trap; whilst others say it is similar to suffocation.

How Does Telepathy Work? And Can Anyone Use Telepathy?

The question most frequently asked is how does telepathy work. Well firstly telepathy is direct communication which transpires between two minds. Telepathy can also be transmitted through feelings such as “I have a gut feeling” which is very common in all people and animals. Telepathy can also be transmitted via emotions and images which are practiced by many.

One does not need to have a degree of some sort in order to practice telepathy as telepathy is an inbred natural phenomenon we all have and some call it “sixth sense”. Many people also term telepathy as coincidence for instance the phone rings and on the other end of the line is the person you were just thinking about – that is telepathy   transmission  of thought.

There are many classes available that offer courses whereby your mind is trained to transmit words and phrases. The very best way to reopen this 6th sense is through meditation which allows one to calm the mind and when the mind is calm telepathy becomes second nature. And with training one can then intentionally communicate with another person.

Quantum physics states clearly that the human mind interacts with the universe as well as interacts in and around many other universes. The human is a part of not “apart” from the universe and all that is within the universe which is why we are able to telepathically communicate with all other living matter or energy.

Telepathy is a form of energy as we are all energy beings. Here is a simple example when you make a phone call you are passing a message directly to another person via a transmitting receiver and telepathy is no different accept you don’t have a transmitter or receiver in your hand you are transmitting via the brain in the form of energy.

In other words when you send a telepathic message you are extending your energy to the other person and you then drop off that energy with the intended person and immediately you will retract your energy. How does telepathy work it is simple and straight forward method of sending and receiving.

Learn How to Drive Online – Learn to Drive Easily

Learning to drive is not the easiest thing to do, especially if you are a young person. Whether you are young or a little older and trying to get your license, you need to be aware that it is possible to learn how to drive online.

The internet is a very powerful tool and just about anything can be learned on it very easily. Driving is no exception. While formal drivers education classes are certainly needed and highly recommended, there are resources online that can help you learn just as much or even more than you would from a regular in-person class.

The best product that I have ever come across to help people learn how to drive online is a video education course called Get Ready To Pass. I have done an in depth review of it and found it to be extremely effective.

The reason why I liked this product so much is because it gives the user all the tools that are needed to succeed and pass the road driving test the very first time. About half of people who attempt their road test fail on their first try. I know this because I was one of them!

I could have really used the resources given by this online drivers education website and helped myself be more prepared. It would have certainly been worth sparing the embarrassment I felt having to tell my friends that I could not drive good enough to pass.

In closing, it is totally possible to learn how to drive online if you want to. I recommend an online course that includes videos and has a solid customer base of people whom it has worked for. I know that I definitely could have used the help!

The Best Investment Funds for 2014 and Beyond?

Here we go one step beyond the basics and suggest that the best investment funds for 2014 and beyond could be funds that invest money in alternative investments. You can debate whether diversified stock funds or bond funds will be the best funds to invest money in, but your best investment could be funds that invest money in alternative investments like gold, oil, and maybe even real estate stocks.

Informed investors know that you should invest money in more than one area in order to have a diversified portfolio. Most investors think that the best investment strategy is to own the best funds, and that your only choices are diversified stock funds and bond funds. Few have a handle on the arena called “alternative investments”. Where do you think the smart investors will invest money when neither stocks (in general) nor bonds look attractive and safe investments are paying record low interest rates?

The top dogs look around for opportunities that are “outside of the box” in search of their best investment alternatives. Welcome to the world of alternative investments. As an average investor trying to find the best funds you might want to broaden your horizons as well. If our economy continues to be lackluster and interest rates rise in 2014 and beyond both diversified stock funds and bond funds could take a hit. So, where can you invest money for higher returns if things turn sour in 2014 and/or 2015?

Gold is not cheap anymore but it is well below its highs as I write this. Gold funds invest money in stocks in the gold and silver mining industry, and they took a major hit in 2013. Historically, gold has been one of the best investment alternatives in times of high uncertainty and crisis. Gold funds might be one of the best funds if things get ugly in 2014 and beyond. They may or may not be your best investment, but adding them to your portfolio at this time to add more diversification could be a good idea just in case.

Another alternative investment that’s a candidate for best investment ideas: oil and other natural resources. Your best funds to invest money in here and keep things simple are called natural resources funds. They too have proven to be good performers when the stock market in general is having a rough time. You might think that gasoline prices at the pump (and oil prices) are high now, but think back a few years. Prices can always go higher, even in a bad economy.

And then there’s real estate as an alternative investment. This industry has recovered from the financial crisis lows, in no small part due to low interest rates. What will happen if rates climb as the economy sputters? Investors usually invest money in real estate with borrowed money. The truth of the matter is that interest rates are still low by historical standards. Real estate funds can be one of your best investment alternatives as investors rush in to buy before rates climb further. The best funds here invest money in real estate investment trusts and other companies in the real estate sector, like home builders. Caution: when rates rise significantly the real estate industry can sputter.

Why do I suggest that the best funds in 2014 and beyond could be those that invest money in specialized sectors like gold, natural resources and perhaps real estate? Historically, in bad times for the economy and stock market in general these industries can attract money as investors search for the best investment alternatives to invest money in. Both stocks (in general) and bonds are selling near historical highs. Bonds have been on a thirty year roll, and stocks have climbed 150% in less than five years. Neither looks cheap by any standard.

In your search for the best investment alternatives to make your money grow, sometimes you need to look outside of the box. You need to invest money so that some of it is safe and available for future opportunities. And in times like 2014 and beyond it’s a good idea to further diversify into alternative investments. The simplest and best investment vehicle for the average investor is mutual funds. The best funds to add to your portfolio are those that can swim against the tide when it goes out.

Making Investment Plans

Steps In Investing

Step 1: Meeting Investment Prerequisites-Before one even thinks of investing, they should make sure they have adequately provided for the necessities, like housing, food, transportation, clothing, etc. Also, there should be an additional amount of money that could be used as emergency cash, and protection against other various risks. This protection could be through life, health, property, and liability insurance.

Step 2: Establishing Investing Goals-Once the prerequisites are taken care of, an investor will then want to establish their investing goals, which is laying out financial objectives they wish to achieve. The goals chosen will determine what types of investments they will make. The most common investing goals are accumulating retirement funds, increasing current income, saving for major expenditures, and sheltering income from taxes.

Step 3: Adopting an Investment Plan-Once someone has their general goals, they will need to adopt an investment plan. This will include specifying a target date for achieving a goal and the amount of tolerable risk involved.

Step 4: Evaluating Investment Vehicles-Next up is evaluating investment vehicles by looking at each vehicle’s potential return and risk.

Step 5: Selecting Suitable Investments-With all the information gathered so far, a person will use it to select the investment vehicles that will compliment their goals the most. One should take into consideration expected return, risk, and tax considerations. Careful selection is important.

Step 6: Constructing a Diversified Portfolio-In order to achieve their investment goals, investors will need to pull together an investment portfolio of suitable investments. Investors should diversify their portfolio by including a number of different investment vehicles to earn higher returns and/or to be exposed to less risk as opposed to just limiting themselves to one or two investments. Investing in mutual funds can help achieve diversification and also have the benefit of it being professionally managed.

Step 7: Managing the Portfolio-Once a portfolio is put together, an investor should measure the behavior in relation to expected performance, and make adjustments as needed.

Considering Personal Taxes

Knowing current tax laws can help an investor reduce the taxes and increase the amount of after-tax dollars available for investing.

Basic Sources of Taxation-There are two main types of taxes to know about which are those levied by the federal government, and those levied by state and local governments. The federal income tax is the main form of personal taxation, while state and local taxes can vary from area to area. In addition to the income taxes, the state and local governments also receive revenue from sales and property taxes. These income taxes have the greatest impact on security investments, which the returns are in the form of dividends, interest, and increases in value. Property taxes can also have a significant impact on real estate and other forms of property investment.

Types of Income-Income for individuals can be classified into three basic categories:

1. Active Income-This can be made up of wages, salaries, bonuses, tips, pension, and alimony. It is made up of income earned on the job as well as through other forms of noninvestment income.

2. Portfolio Income-This income is from earnings produced from various investments which could be made up of savings accounts, stocks, bonds, mutual funds, options, and futures, and consists of interest, dividends, and capital gains.

3. Passive Income-Income gained through real estate, limited partnerships, and other forms of tax-advantaged investments.

Investments and Taxes-Taking into tax laws is an important part of the investment process. Tax planning involves examining both current and projected earnings, and developing strategies to help defer and minimize the level of taxes. Planning for these taxes will help assist investment activities over time so that an investor can achieve maximum after-tax returns.

Tax-Advantaged Retirement Vehicles-Over the years the federal government has established several types of retirement vehicles. Employer-sponsored plans can include 401(k) plans, savings plans, and profit-sharing plans. These plans are usually voluntary and allow employees to increase the amount of money for retirement and tax advantage of tax-deferral benefits. Individuals can also setup tax-sheltered retirement programs like Keogh plans and SEP-IRAs for the self-employed. IRAs and Roth IRAs can be setup by almost anyone, subject to certain qualifications. These plans generally allow people to defer taxes on both the contributions and earnings until retirement.

Investing Over the Life Cycle

As investors age, their investment strategies tend to change as well. They tend to be more aggressive when they’re young and transition to more conservative investments as they grow older. Younger investors usually go for growth-oriented investments that focus on capital gains as opposed to current income. This is because they don’t usually have much for investable funds, so capital gains are often viewed as the quickest way to build up capital. These investments are usually through high-risk common stocks, options, and futures.

As the investors become more middle-aged, other things like educational expenses and retirement become more important. As this happens, the typical investor moves towards more higher quality securities which are low-risk growth and income stocks, high-grade bonds, preferred stocks, and mutual funds.

As the investors get closer to retirement, their focus is usually on the preservation of capital and income. Their investment portfolio is now usually very conservative at this point. It would typically consist of low-risk income stocks and mutual funds, high-yield government bonds, quality corporate bonds, CDs, and other short-term investment vehicles.

Investing In Different Economic Conditions

Even though the government has different tools or strategies for moderating economic swings, investors will still endure numerous changes in the economy while investing. An investment program must allow the investor to recognize and react to changing conditions in the economy. It is important to know where to put your money and when to make your moves.

Knowing where to put your money is the easiest part to deal with. This involves matching the risk and return objectives of an investor’s plan with the investment vehicles. For example, if there is an experienced investor that can tolerate more risk, then speculative stocks may be right for them. A novice investor that wants a decent return on their capital may decide to invest in a growth-oriented mutual fund. Although stocks and growth funds may do well in an expanding economy, they can turn out to be failures at other times. Because of this, it is important to know when to make your moves.

Knowing when to invest is difficult because it deals with market timing. Even most professional money managers, economists, and investors can’t consistently predict the market and economic movements. It’s easier to understand the current state of the market or economy. That is, knowing whether the market/economy is expanding or declining is easier to understand than trying to predict upcoming changes.

The market or economy can have three different conditions: (1) recovery or expansion, (2) decline or recession, (3) a change in the general direction of its movement. It’s fairly easy to observe when the economy is in a state of expansion or recession. The difficult part is knowing whether the existing state of the economy will continue on the course it’s on, or change direction. How an investor responds to these market conditions will depend on the types of investment vehicles they hold. No matter what the state of the economy is, an investor’s willingness to enter the capital market depends on a basic trust in fair and accurate financial reporting.

Stocks and the Business Cycle

Conditions in the economy are highly influential on common stocks and other equity-related securities. Economic conditions is also referred to as the business cycle. The business cycle mirrors the current status of a variety of economic variables which includes GDP, industrial production, personal disposable income, the unemployment rate, and more.

An expanding business cycle will be reflected in a strong economy. When business is thriving and profits are up, stock prices react by increasing in value and returns. Speculative and growth-oriented stocks tend to do especially well in strong markets. On the flip side, when economic activity is diminishing, the values and returns on common stocks tend to follow the same pattern.

Bonds and Interest Rates

Bonds and other forms of fixed-income securities are highly sensitive to movements in interest rates. The single most important variable that determines bond price behavior and returns is the interest rate. Bond prices and interest rates move in opposite directions. Lower interest rates are favorable for bonds for an investor. However, high interest rates increase the attractiveness of new bonds because they must offer high returns to attract investors.

Using Serialization

A common problem in programming is moving the program data to another spot, such as a file on disk or another computer. For example, suppose a video game needs to store a saved file on the hard drive. Normally, the developer would have to write a method that takes all the game information and puts it into a format that can be placed on disk. Another method needs to be written to reverse this. The concept of serialization, used in some programming languages, bypasses this.

If a language has serialization libraries, this means that these functions are built in. You can input an object and have built-in language libraries convert the object to data. And of course, you can do the reverse. Instead of having to write code and create your own format for storing program information, you can just have the language do it. This has a wide variety of uses besides the video game save file mentioned in the intro. Suppose you want any program to store user-inputted data. You can simply put that data into a serializable object, that write it to disk. When the program starts up again, use the deserialization methods.

This can also be used for network communications. Consider the problem of writing client and server programs that can communicate with each other. Instead of having to process data, you can just serialize the object and transmit its data over the network. As long as the client and server know what class is being used, this works.

However, not all programming languages can be serialized. Generally, this is only a feature of higher-level languages. .NET has it with the Serializable attribute for a class. For Java, the java.io.Serializable interface is used. Classes that implement this interface can be serialized. Even low-level languages such as C++ have the ability, albeit not in the standard library. The popular Boost C++ library has functions that provide the serialization ability.

However, there are also problems caused by serialization. Many languages do not have backwards compatibility. So if you write a new version of the program and try to use it with existing serialized data, it can fail. Fortunately, some languages do have backwards compatibility features that avoid this drawback.

Serialization is a useful tool that all programmers should know about. It provides an easy way to store program data permanently and transmit it between multiple computers. For languages where serialization libraries are built-in, this is generally very easy.

What Is The Difference Between Investment Management and Stockbrokers?

The investment services industry can be daunting and ambiguous for individuals who seek a return on their capital. After working hard earning your wealth, it is important to understand the different services offered by professionals and what solutions fit you personally. One of the main questions we get asked here is:

“What is the difference between investment management and stockbrokers?”

Firstly, let’s discuss what stockbrokers are – we all have a much better, clearer, idea of what they do and who they represent. Stockbrokers are regulated firms that offer financial advice to their clients. A stockbroker buys and sells equities and other securities like bonds, CFDs, Futures and Options on behalf of their clients in return for a fee or commission. A brokerage / stockbroker will receive a fee on each transaction, whether the idea is profitable or not.

A brokerage can specialise in any investment niche they wish for example:

  • FTSE All-Share stocks,
  • AIM stocks,
  • European Stocks,
  • Asian Stocks,
  • US Stocks
  • Combinations of the above
  • Straight equities,
  • Straight derivative trading (CFDs, Futures & Options)

The main reason why investors choose stockbrokers over any other professional investment service is simply down to control. Due to the nature of a brokerage firm, they can only execute a trade after you instruct them to do so. This means it is impossible for a brokerage to keep buying and selling securities without you knowing – known as churning for commission. This doesn’t however prevent stockbrokers providing you with several new ideas a week and switching your positions to a new idea.

However, there are natural flaws with the brokerage industry is that because trading ideas can only be executed after being instructed to list a few flaws;-

  • you may miss out of good opportunities due to moves in the market,
  • you may get in a couple of days later because you were busy and not make any money after fees,
  • you may receive a call to close a position but unable to without your say so.

The above are examples that can happen when investing with brokerage firms, but this is due to the reliance of gaining authorisation from their clients. So if you are ultra busy or travel a lot then you could potentially miss out on opportunities to buy or sell.

What are investment managers?

Now we understand what stockbrokers / brokerage firms are about, let’s discuss what investment management services can do for individuals.

Investment management firms run differently to brokerages. The core aspect to these services is that the professional investment managers use their discretion to make investment decisions. As a client of an investment management firm you will go through a rigorous client on boarding process (just like a brokerage firm) to understand your investment goals, understanding of the services being used, risk profile, angering to the investment mandate and allowing the service to manage your equity portfolio. The sign up with the service may seem long winded but it’s in your best interest to ensure the service is suitable and appropriate for you. In reality, it’s not a long winded process at all. Once you agree to the services offered then you will only be updated on the on-going account data and portfolio reporting in a timely manner. This means no phone calls to disrupt your day-to-day activities and allows the professionals to focus on your portfolio.

Investment management firms usually have specific portfolios with a track record, into which you can invest your capital according to you appetite for risk. These portfolios will focus on specific securities, economies, risk and type of investing (income, capital growth or balanced). All of this would be discussed prior or during the application process.

Another method used by investment management firms is different strategies implemented by their portfolio managers. These strategies are systematic and go through thorough analysis before investment decisions are made.

The fees usually associated with investment management firms can vary from each firm. There are three common types of fees and are usually combined, fees can be;-

  • Assets Under Management Fee – This is where you pay a percentage of the portfolio per year to the firm, usually an annual fee. E.g) 1% AUM Fee on £1,000,000 is £10,000 per year.
  • Transaction Fee – This is a fee associated with each transaction made through your portfolio – similar to the brokerage firm’s commission.
  • Percentage of Profits Fee – This is where any closed profits generated over a set time will be charged to the firm. E.g) 10% PoP Fee – the firm generates you closed profit of £10,000 in one quarter – you will be charged £1,000.

The main benefits provided from investment management firms is that after the service understands your needs and tailors the service around you, it is their job to build a portfolio around you. It is also the job of the investment management firm to adhere to the investment mandate you agreed on, we’ll take about this later, so you understand of the time frame given what you should expect. Another bonus why high-net worth individuals choose investment management services is because they are not hassled by phone calls every other day with a new investment idea.

The difference…

The main difference between investment management and stockbroking firms is:

  • Investment Managers offers discretionary services; no regular phone calls about stock ideas.
  • Stockbrokers give you more control as you can personally filter out ideas you think won’t work.
  • Investment Managers offer an investment mandate; this is where the investment management service provides a document of what they are offering you in return of managing your portfolio. You will understand what exactly they are targeting over the year, based on what risk, and should they achieve it – then they have fulfilled their service. E.g) the mandate could state that the strategies used and based on 8% volatility (risk), they seek to achieve 14% capital return.
  • Stockbrokers do not offer an future agreements but look to deliver growth during the time you are with them. They are not bound by their performances like investment managers.
  • Investment management firms have a track record for all of the strategies and services used, stockbrokers do not.

Which to choose?

Both services provide professional approaches to investing in the stock markets. Stockbrokers are chosen over investment managers by people who like to be in control and receive financial advice. Stockbrokers generally do not have a systematic approach to the markets but use selective top-down approaches to select stocks.

Investment managers are chosen by investors who want an agreement on their performances over the year and understand the risk up-front. Usually more sophisticated investors that wish to take advantage of the track-record and gain an understanding of the systematic approach used by the investment management firm.

Feel free to learn more.

DISCLAIMER: The above is not considered financial advice or any endorsement to use any particular service. If you wish to use any of the services mentioned, please seek independent advice.

RISK WARNING: Spread betting, CFD, futures and options trading carries a high level of risk to your capital and can result in losses that exceed your initial deposit. They may not be suitable for everyone, so please ensure that you fully understand the risks involved. Past performance of a managed service is not a guide to future performance.

Starter Clicks But Engine Does Not Turn Over – Tech in Trunk?

If the car’s starter clicks and the engine does not turn over, this could be caused by several things. The most common cause of clicking when the car is being started is a low battery. Most people would assume that the starter is bad if it only clicks, but low-voltage can cause the starter to make this sound.

The battery is the heart of the starting and electrical system. If the battery has been drained or has a weak cell, this can cause the starter to only click. Many times the battery could just been drained due to a door left slightly open, making the dome light stay on. Other times a vanity light or a phone charger could be left on. During my time as a master auto technician, I’ve had a trustworthy co-worker close me up in the trunk so I could make sure the trunk light went off when the trunk was closed!

In order to test the battery it must have a good charge. If the battery is not charged completely the tester will indicate that it needs to be charged before testing can proceed. The first step when checking the starter and electrical system is to make sure the battery is in good condition. Most parts stores will check batteries for free. Once it’s determined the battery is good the rest of the system can then be checked. Loose or corroded connections can also cause a clicking and for the car not to start.

Starter

The starter solenoid on many Ford vehicle’s is on the inner fender well, on most other vehicles the starter solenoid will be mounted on the starter. The clicking that is heard many times is the solenoid. But low-voltage either from a drained battery, bad battery or poor connections can cause this. Most of the time if the vehicle can be jump-started the starter is okay. This would also indicate that the connections to the starter are good.

Alternator

Once the vehicle is running the alternator output can be checked. If the alternator is not charging the battery, it will be drained during the process of starting the car and driving. When the alternator is checked, the voltage and amperage output can be measured. Also the diode pattern will be checked to make sure the alternator won’t drain the battery when the engine is turned off. In the past do-it-yourselfers could disconnect the battery while the vehicle is running to check the alternator, if the car kept running the alternator was good. Doing this on computerized vehicles can be harmful. If the battery is disconnected while a computerized vehicle is running the alternator output can increase sharply allowing excess voltage to spike the computer.

Battery

When purchasing a replacement battery the cold cranking amps required for the vehicle should be checked. It’s best to purchase a battery with more cold cranking amps than the minimum required. Also when purchasing a battery you should consider if you want maintenance free or not. If the battery is hard to access or has a cover then a maintenance free battery is preferred. For instance on some Chrysler Sebrings and Chevrolet Corvettes the battery is located behind an inner fender and on a Chevrolet SSR. the battery is located underneath the bed where the spare tire would normally go. If installing the battery yourself be sure to notice which side is positive and negative in case you were sold the incorrect battery.

Terminals

The terminals should be free of corrosion and should tighten up well. Sometimes especially on import vehicles the battery terminals will be very thin and can have hairline cracks causing a poor connection. Avoid forcing the battery terminals on by tapping them. The battery casing can be damaged causing a leak, if the battery acid seeps out it can cause fast corrosion. If the battery terminal bolts will not tighten, then replacing the terminals is recommended. When the connections are tight you should not be able to twist them by hand.