The Best Investment Portfolio for 2014 and Beyond

If you have an investment portfolio (like in a 401k plan) take a good look at it, because it might not really be the best investment portfolio for 2014 and beyond. If you are a new investor, don’t start investing money until you are familiar with the best funds to include in your portfolio in 2014.

Your investment portfolio is simply a list showing where your money is, and for most average investors consists primarily of mutual funds: stock funds, bond funds and money market funds. Here we discuss the best funds and asset allocation to achieve the best investment portfolio in the event that 2014 and beyond becomes a tough environment for investors. You may need to make changes in your existing portfolio; and you should also be aware of the following as a new investor before you start investing money.

As an investor you should receive statements periodically which show you where your money is. The problem is that many investors do not give these statements, which clearly show you your asset allocation and your investment portfolio, the attention they deserve. That can be a problem. For example, if you had 50% of your portfolio allocated to stock funds in early 2009, you could have two-thirds of your money in these funds now. If the stock market takes a big hit, you stand to take a big loss. Let’s take a look at stock funds and the best funds for investing money there first.

The stock market and many diversified stock funds have gone UP in value about 150% in less than 5 years, and numerous financial analysts expect a correction (stock prices to go DOWN) in 2014. If your investment portfolio shows that more than half of your assets are invested in stock funds consider cutting back to 50% or less. If you are a new investor ready to start investing, allocate no more than 50% to diversified stock funds. The best funds: those that invest in high quality, dividend paying stocks vs. growth funds that pay little in the form of dividends. This is your first step in putting together the best investment portfolio for 2014, because it cuts your potential losses.

The best investment portfolio also includes bond funds, which have been good solid investments for over 30 years. Why? Interest rates have been falling, which sends bond prices and bond fund values higher. Problem: interest rates have hit all-time lows and appear to be heading higher. Higher interest rates create losses for bond fund investors. Many investors have an investment portfolio loaded with bond funds and are totally unaware of the risk involved if rates go up. If you are getting ready to start investing money you need to know this as well. When interest rates go UP, bonds and bond fund values go DOWN. That’s about the only iron-clad rule in the investment world.

Allocate no more than 25% to 30% of your total investment portfolio to bond funds to cut your risk. The best bond funds are categorized as intermediate-term funds, where the investment portfolio of the fund invests in bonds that mature (on average) in 5 to 10 years. These are the best funds now because they pay a respectable dividend with only moderate risk. The worst funds to hold now: long-term funds that hold bonds maturing (on average) in 15, 20 years or more. When you review your investment portfolio, get rid of these because they will be big losers if (when) interest rates shoot upward. New investors who want to start investing money: avoid them and allocate about 25% of your money to intermediate-term bond funds to avoid heavy risk.

Sometimes the best investment portfolio is loaded with aggressive stock funds and includes longer-term bond funds. Now, looking at 2014 and beyond, is probably not one of those times. For many years now losses in stock funds have been offset by gains in bond funds. Today the problem for investors is that even the best funds of both varieties could get hit if the economy falters and interest rates rise significantly. That makes investing money today a real challenge… one that few investors are prepared for.

So, let’s say that you start investing money with less than 50% going to the best funds in the stock department and about 25% allocated to the best funds in the bond universe… or you adjust your existing investment portfolio to these levels… where do you invest the rest of it? Even though interest rates are still historically low, you bite the bullet and invest it for safety to earn interest. In a 401k plan your best safe investment is likely the stable account, if your plan has one. Otherwise, the best fund for safety is a money market fund (even though they presently pay almost no interest). When rates go up, they should pay more. Or you can shop the banks for the best rates on short-term CDs, or savings accounts.

I expect that 2014 and beyond will be a challenging time to start investing money or to manage an existing investment portfolio. On the other hand, now you should have a handle on the best funds to consider when putting together the best investment portfolio possible. Remember, you must stay in the game in order to get ahead over the long term; but sometimes moderation is your best course of action.

Manufacturers of Tracked and Wheeled Agricultural Tractors

Farming would never be easy if the agricultural and farm tractors today stayed in the drawing boards. Transferring heavy sacks of fertilizers, grains, and other farming equipment made the workload light for farmers when the tracked and wheeled agricultural tractors were introduced. These tractors were also designed to have a variety of attachments for sowing, plowing, and planting. Agricultural tractor dimensions vary in order to be able to carry these additional farming technologies.

Manufacturers of agricultural tractors have considered the importance of different farming attachments that they developed a wide range of tractor choices. The New Holland Agriculture of Pennsylvania, the AGCO Corporation of New York, and John Deere and Company of Illinois continue to design and manufacture a series of models with different agricultural tractor dimensions.

New Holland has developed six models for the T9 Series 4WD – TIER4A Tractors. Each articulated tractor runs on engines of up to 507 horsepower. The agricultural tractor dimensions vary from one tractor to another. With 20.8 R 42 tires, tractors in the series have a maximum height range of 144.2 inches (3663 millimeters) to 148.5 inches (3772 mm.). The smallest tractor in the series has an overall length of 295 inches (7493 millimeters), while the largest stretches to 300 inches (7615 mm.). The smallest of the six models has an outside frame width of 36.5 inches (929 mm.), while the largest has 44 inches (1116 mm.). The wheelbase for the smallest is 148 inches (3759 mm.) and 154 inches (3911 millimeters) for the largest. The maximum operating weight for the series ranges from 42,000 pounds (19051 kilograms) to 56,000 lbs. (24,494 kg.).

The Pennsylvania manufacturer also has the TK4000 Series Crawler Tractors. The agricultural tractor dimensions for this series also varies. The TK4030V, the most slim of the four models, has a width of 46.1 inches. TK4050 has a 55.5-inch width, while the low height TK4050M has an overall width of 68.9 inches. The TK4030V delivers 64 PTO horsepower while the other two models deliver 83 PTO horsepower. The maximum length for the models in the series ranges from 130 inches (3352 millimeters) to 135 inches (3431 mm.). The range of the height from the wheel to the top of the seat is 50.3 inches (1278 mm.) to 56.3 inches (1431 mm.). The maximum height to the top of the rollbar is from 87.0 inches (2210 millimeters) to 91.5 inches (2326 mm.).

Likewise, the AGCO has manufactured agricultural tractors under the core brands of Challenger, Fendt, Massey Ferguson and Valtra. The most interesting among the more than 100 models can be found in the Challenger MT800C Special Application series. All four tracked models in the series were designed with ultra-hard wearing polyurethane mid-wheels and full-length debris deflector. The agricultural tractor dimensions in the series are not too high for the 430 to 570 rated horsepower of the engines.

Finally, John Deere also offers tracked and wheeled tractors in its 2011 8R/8RT Models. The 8335RT Tractor is the largest of the 10 models. It has a wheelbase of 99 inches (2515 millimeters). It runs on a 335 horsepower engine. The agricultural tractor dimensions in terms of width and height are stable. The overall width from axle end to end is 134.6 inches (3420 mm.), but the width expands to 174.6 inches (4435 millimeters) with the wide axle kit installed. The command view height is 131.3 inches (3334 millimeters). The length is dependent on the attachment. With the hitch, drawbar, and front weight support (excluding front suitcase weights) the length ranges from 253.1 inches (6428.4 mm.) to 256.5 inches (6514.2 millimeters). With the hitch, drawbar, front weight support, and front suitcase weights, the length ranges from 267.5 inches (6795.4 millimeters) to 270.9 inches (6881.2 millimeters).

Ease Into the World of Investing

The United Nations does it. Governments do it. Companies do it. Fund managers do it. Millions of ordinary working people – from business owners to factory workers – do it. Housewives do it. Even farmers and children do it.

‘It’ here is investing: the science and art of creating, protecting and enhancing your wealth in the financial markets. This article introduces some of the most important concerns in the world of investment.

Let’s start with your objectives. While clearly the goal is to make more money, there are 3 specific reasons institutions, professionals and retail investors (people like you and me) invest:

  • For Security, ie for protection against inflation or market crashes
  • For Income, ie to receive regular income from their investments
  • For Growth, ie for long-term growth in the value of their investments

Investments are generally structured to focus on one or other of these objectives, and investment professionals (such as fund managers) spend a lot of time balancing these competing objectives. With a little bit of education and time, you can do almost the same thing yourself.

One of the first questions to ask yourself is how much risk you’re comfortable with. To put it more plainly: how much money are you prepared to lose? Your risk tolerance level depends on your personality, experiences, number of dependents, age, level of financial knowledge and several other factors. Investment advisors measure your risk tolerance level so they can classify you by risk profile (eg, ‘Conservative’, ‘Moderate’, ‘Aggressive’) and recommend the appropriate investment portfolio (explained below).

However, understanding your personal risk tolerance level is necessary for you too, especially with something as important as your own money. Your investments should be a source of comfort, not pain. Nobody can guarantee you’ll make a profit; even the most sensible investment decisions can turn against you; there are always ‘good years’ and ‘bad years’. You may lose part or all of your investment so always invest only what you are prepared to lose.

At some point you’ll want to withdraw some or all of your investment funds. When is that point likely to be: in 1 year, 5 years, 10 years or 25 years? Clearly, you’ll want an investment that allows you to withdraw at least part of your funds at this point. Your investment timeframe – short-term, medium-term or long-term – will often determine what kinds of investments you can go for and what kinds of returns to expect.

All investments involve a degree of risk. One of the ‘golden rules’ of investing is that reward is related to risk: the higher the reward you want, the higher the risk you have to take. Different investments can come with very different levels of risk (and associated reward); it’s important that you appreciate the risks associated with any investment you’re planning to make. There’s no such thing as a risk-free investment, and your bank deposits are no exception. Firstly, while Singapore bank deposits are rightly considered very safe, banks in other countries have failed before and continue to fail. More importantly, in 2010 the highest interest rate on Singapore dollar deposits up to $10,000 was 0.375%, while the average inflation rate from Jan-Nov 2010 was 2.66%. You were losing money just by leaving your savings in the bank.

Today, there are many, many types of investments (‘asset classes’) available. Some – such as bank deposits, stocks (shares) and unit trusts – you’re already familiar with, but there are several others you should be aware of. Some of the most common ones:

  • Bank Deposits
  • Shares
  • Investment-Linked Product1
  • Unit Trusts2
  • ETFs3
  • Gold4

1 An Investment-Linked Product (ILP) is an insurance plan that combines protection and investment. ILPs main advantage is that they offer life insurance.

2 A Unit Trust is a pool of money professionally managed according to a specific, long-term management objective (eg, a unit trust may invest in well-known companies all over the world to try to provide a balance of high returns and diversification). The main advantage of unit trusts is that you don’t have to pay brokers’ commissions.

3 An ETF or Exchange-Traded Fund comes in many different forms: for example, there are equity ETFs that hold, or track the performance of, a basket of stocks (eg Singapore, emerging economies); commodity ETFs that hold, or track the price of, a single commodity or basket of commodities (eg Silver, metals); and currency ETFs that track a major currency or basket of currencies (eg Euro). ETFs offer two main advantages: they trade like shares (on stock exchanges such as the SGX) and typically come with very low management fees.

The main difference between ETFs and Unit Trusts is that ETFs are publicly-traded assets while Unit Trusts are privately-traded assets, meaning that you can buy and sell them yourself anytime during market hours.

4 ‘Gold’ here refers to gold bullion, certificates of ownership or gold savings accounts. However, note that you can invest in gold in many other ways, including gold ETFs, gold Unit Trusts; and shares in gold mining companies.

With the advent of the Internet and online brokers, there are so many investment alternatives available today that even a beginner investor with $5,000 to invest can find several investment options suited to her objectives, risk profile and timeframe.

Diversification basically means trying to reduce risk by making a variety of investments, ie investing your money in multiple companies, industries and countries (and as your financial knowledge and wealth grows, in different ‘asset classes’ – cash, stocks, ETFs, commodities such as gold and silver, etc). This collection of investments is termed your Investment Portfolio.

Some level of diversification is important because in times of crisis, similar investments tend to behave similarly. Two of the best examples in recent history are the Singapore stock market crashes of late-2008/early-2009, during the US ‘Subprime’ crisis, and 1997, during the ‘Asian Financial Crisis’, when the price of large numbers of stocks plunged. ‘Diversifying’ by investing in different stocks wouldn’t have helped you very much on these occasions.

The concept and power of compounding are best explained by example. Assume we have 3 investments: the first returns 0.25% a year; the second returns 5% a year; and the third returns 10% a year. For each investment, we compare 2 scenarios:

  • Without compounding, ie the annual interest is taken out of the account.
  • With compounding, ie the annual interest is left (re-invested) in the account.

Let’s look at the returns over 25 years for all 3 investments, assuming we start off with $10,000 in Year 0:

  • With 0.25% return a year, your investment will grow to $10,625 after 25 years without compounding; your investment becomes $10,644 after 25 years with compounding.
  • With 5% return a year, your investment will grow to $22,500 after 25 years without compounding; your investment becomes $33,864 after 25 years with compounding.
  • With 10% return a year, your investment will grow to $35,000 after 25 years without compounding; your investment becomes $108,347 after 25 years with compounding.

This shows the dramatic effects of both higher returns and compounding: 10% annual returns coupled with 25 years of compounding will return you more than 10 times your initial investment. And 10% returns are by no means unrealistic: educated investors who actively manage their portfolio themselves and practise diversification can achieve even higher returns, even with some losing years.

People of all ages and backgrounds need practical and customised guidance in developing their financial knowledge and skills in order to reach their financial goals. In this article we’ve tried to describe in simple terms some of the most important concepts and principles you need to understand on this journey.

Ten Ways to Eliminate Mosquitoes and Four Worthless Measures – The Best Mosquito Control Methods

If you’ve ever wondered which mosquito control methods work and which ones will simply drain your pocketbook, read on for a comprehensive summary of the good, the bad and the dangerous.

1.) Get an industrial grade fan for your patio or deck. Mosquitoes have weak, fragile wings. They are easily swept away by changing currents.

2.) Remove any standing water from the property. Plastic pools, bird baths, buckets, ditches and puddles are all excellent places for mosquitoes to breed. You’ll also want to clear clogged gutters and pipes.

3.) Look into cedar oil. The U.S. Department of Agriculture recognizes cedar oil as the number one biological insect control agent, proven superior to chemical counterparts. Various spray and fogging techniques are used to control a wide variety of insect infestations on commercial farms and neighborhood lots.

4.) Drink frozen or heavily iced beverages to lower your body temperature and diminish sweating. The carbon monoxide you expel while breathing increases with heat and exercise, guiding mosquitoes to your vicinity. Your personal heat and body odor contribute to the cycle, making you more attractive than other candidates in the yard.

5.) Deodorize your feet. If you favor sandals and flip flops over socks and tennis shoes, beware that exposed feet give off a powerful odor which attracts mosquitoes. Try a good unscented powder to control foot moisture.

6.) Look into lemon eucalyptus oil. The U.S. Center for Disease Control issued a statement in 2008 recommending lemon eucalyptus equally to deet for mosquito control. The primary disadvantage with lemon eucalyptus is that it’s normally sold in small bottles as a personal insect repellent. Cedar oil solutions are available in gallon-sized containers and wholesale concentrates, making them much more cost effective for treatment with fogging machines and wide area sprayers.

7.) Cover up! It may sound obvious, but the most horrifying mosquito episodes occur when outdoor enthusiasts fail to dress appropriately. Take advantage of the standard drop in temperature after dusk. Opt for long sleeves and full length pants, especially if you have mosquito allergies or sensitive skin. Keep an extra pair of slacks in the car or backpack for summertime emergencies.

8.) Go light on the beer. Mosquitoes are attracted to the alcohol essence that is released through your pores.

9.) Forget the perfume. Certain members of the insect community will appreciate your scent even more than the humans you want to impress. Mosquitoes love perfume, especially floral or fruity fragrances.

10.) Invest in a mosquito tent for outdoor gatherings. Your guests will thank you for creating a party atmosphere conducive to fun and relaxation.

Now for some worthless measures…

According to the American Mosquito Control Association, the following mosquito control tactics simply don’t work as well as consumers perceive:

1.) Bugs Zappers. Two independent studies found no significant difference in the number of mosquitoes found in yards with or without bug zappers. Such devices catch huge numbers of non pest insects and relatively few mosquitoes.

2.) Citronella Candles: Citronella candles may produce a mild repellent effect, but they don’t offer a significant increase in protection.

3.) Electronic Devices: At least 10 studies have found ultrasonic devices to be totally useless.

4.) Backyard Misting Systems: Misters needlessly inject pesticides into the environment, affecting mosquitoes and beneficial insects alike.

The Dangers of Conventional Pesticides

Before you consider using a chemical delivery system, take a moment to research the active ingredient online. You may not like what you find. Traditional DEET products are notorious for causing rashes, headaches, nausea and disorientation. Even pyrethrum based insecticides derived from chrysanthemums are not as safe as once believed. According to an E.P.A. survey of poison control centers, pyrethrum based pesticides cause more insecticide poisoning incidents than any other pesticides except for organophosphates.

Due to widespread controversy over traditional insect control methods, cedar oil insect formulations have gained increasing popularity and respect in the pest control industry. In 2006, at the request of the U.S. Army, a team of world renowned organic scientists expanded upon traditional cedar oil formulations by introducing a quartz rock carrier to deliver a lethal dose of substance at the microscopic level. This nano-sized delivery system closes the breathing pores of pheromone driven insects on contact and creates a lasting a barrier that discourages new insects from entering sprayed territory.

SEIS the Tax-Free Investment Opportunity for UK Investors

Enterprise Investment Schemes

An EIS is an investment vehicle that provides funds and capital to small businesses that, due to the tightening of the credit market, cannot otherwise get financing from traditional sources. An EIS is an unquoted company that is not on a stock exchange and is most likely managed by a venture capital firm. These firms manage the investment objectives to protect investors and maximize investment returns. A good firm will have been involved in venture capital investing for a number of years and be able to provide a solid track record of protecting principle and securing returns. Firms operate their EISes differently, some offering investments into single companies while others operate EIS funds in which you could invest into a fund of multiple companies, therefore diversifying your risk.

The benefit of tax protection that EISes offer has resulted in an increased demand among wealthier investors, with EIS being utilized as a strategic tool within their portfolios. The UK government increased tax relief from 20% to 30% and the annual investment amount has been increased from £500,000 to £1,000,000. With the added benefit that the investment is exempt from capital gains tax and inheritance tax, EIS is increasingly the perfect vehicle for certain investors. More and more EISes have become essential within many investment portfolios as an integral tax relief tactic.

Seed Enterprise Investment Schemes

Not quite as large as the EIS, the SEIS provides a similar benefit and experience. The main difference being the investment amount allowed annually which currently stands at a maximum of £100,000, but offers an unprecedented 50% tax relief on the investment’s gains and value. However this 50% is only applicable if the SEIS continues to comply with the SEIS rules and providing the investment is left for a minimum of three years. After three years the investor can sell their stake, incurring no capital gains tax against profit realized. Furthermore, loss relief applies to any losses incurred.

As of 2014, the upfront tax relief for the highest tax bracket investors equates to a 64% tax break and, when combined with a loss relief tax break of a further potential of 22.5%, equates to a total of 86.5% tax relief. The downside tax protection of almost 90% is unprecedented amongst all other investment vehicles and provides significant tactical value to certain investors.

Careful Consideration

As with any investment decision, you need to be careful in your consideration when choosing to use EIS or SEIS for your portfolio. You should be considering these tax relief options in your portfolio after you have exhausted other forms of tax mitigation. The first two that should be utilized are your pension and annual Individual Savings Account (ISA) allowance. These primary tax savings vehicles provide secure investment vehicles; ISAs offer amazing investment flexibility not available through EIS or SEIS. Another option includes VCTs – Venture Capital Trusts – which have similar strategic benefits to EIS or SEIS but are limited to £200,000 per year.

In deciding on further tax mitigation, you need to consider the portion of your portfolio that these tactical investments would make up. Conventional wisdom dictates that you should not put more than 20% of your holdings into risky opportunities, but that 20% could realistically be surpassed with correct use of the right investment vehicles. If you are hedging your portfolio against a known event that will increase your capital gains taxes or inheritance taxes, EIS and SEIS would be a viable way to mitigate those taxes in a given year. In this way you could max out your contributions to these two tactical strategies in order to mitigate the known tax implications from another portion of your investment portfolio. It is these considerations that you should be aware of before deciding on a specific EIS or SEIS company.

Another concern that you should be aware of is the fact that EISes and SEISes are essentially “locked-in” products. You need to be able to leave the investments locked in for a period of at least three years (and in some cases longer) in order to access the tax relief benefits – managers will generally look for an exit in or around year 4, but an exit could realistically take longer and is subject to market conditions. In this way, many EIS and SEIS companies are illiquid and the secondary market for selling EIS/SEIS shares is therefore small. Taking the long view on these investments should be a natural consideration.

Choosing the Right EIS/SEIS

When deciding on the right company to invest for the purpose of tax mitigation, not all EIS/SEIS companies are the same. Choosing a company should not be done on impulse and requires effective due diligence to ensure that their investment philosophy is in line with your own. At the time of consideration, ask all the same questions of the company as you would when investing in any stock. By ensuring the company has a solid and proven track record of investments, open reporting functions that promote transparency and an investment philosophy you agree with, you can feel comfortable with your investment.

By considering an EIS/SEIS investment you are considering an investment option that has a real potential for investment loss. It can be the right option for those looking for a high risk option with an effective tax mitigation strategy as a small portion of their overall portfolio. EIS and SEIS investments can also be an excellent way for investors to dabble in venture capital investing without having to put up too much capital.

For more information please visit: https://www.gov.uk/government/publications/the-enterprise-investment-scheme-introduction

https://www.gov.uk/seed-enterprise-investment-scheme-background

The Importance of Agriculture in a Technologically Advanced Society

Every place has its own prime agricultural products such as cereals, fruits, vegetables and industrial crops. The sustainability of these products can be achieved through the technologically advanced interventions such as irrigation facilities, farm mechanization, planting of crop hybrid varieties, post harvest facilities, integrated pest management, biological control of pest and diseases, organic farming through the use of trichoderma compost activator and vermiculture in the production of organic fertilizers; and the construction of farm to market roads for the accessibility of farm products to the market outlets.

The construction of irrigation facilities can increase the area of irrigated ricelands; thereby, increasing the rice production and generate more profits to the rice farmers. Furthermore, this will generate more jobs to the farmers in the localities. In upland areas where the crop production are vegetables, ornamentals and fruit trees, the type of irrigation that can be used are open source pump irrigation, sprinkler or drip pressurized.

Farm mechanization can be achieved through the procurement of four-wheel farm tractors for the land preparation in upland areas; and hand tractors or mudboat power tillers in the lowland rice areas. Post harvest facilities are the rice treshers, rice harvesters, rice mills, flat-bed dryers and drying pavements for rice; and corn shellers/ corn mills for corn products.

The use of hybrid varieties of crops can increase the production even in the same area; and generate more employment, since more harvest needs more workers especially during harvesting and post harvest activities. More harvest means more income to the farming households.

A technologically advanced agriculture is needed by a technologically advanced society for its sustainability.

Passive Investment Income

What are some ways a person can generate passive investment income? There are a number of ideas about it. Everyone has his own ideas about which one can be a passive investment income. We should have our own choice of investment. The wealthy, the marginalized, and the middle class people differ in their own preferences about investing their money. Now, let’s compare ways and opportunities according to some considerations such as safety, profitability, and also liquidity.

Safety means that your investment and the income are stable. The money that you invest could be prone to the changing market condition, economic slowdown, and social unrest. The point is that your passive investment income should always be there. In that case, it is safe to invest.

On the other hand, profitability is what we usually consider when we invest. We are supposed to believe that what is profitable is ideal. That’s right. But is it risky? Is my money stuck? Obviously, everyone would go for whatever gives them profit. Whenever we consider gains, the highest amount is always the best passive investment income. What we should consider here should not have been about the top gainers only. It’s should also be the safer ones.

Another significant factor that must be considered is liquidity. Let us suppose that we earn very attractively from our safe investment. What does that mean to us anyway? When you are ready to use your fund because you really need it and that’s the reason why you invested, is it possible to convert it to cash now? If there is no liquidity, our passive investment income is only an imagination. You would become wealthy only in your dreams. Liquidity is not only about the comfort of making a withdrawal. It is also about how smooth it is to invest.

Now, here are three kinds of investment we may consider whether which passive investment income is better for us. So, let’s talk about three kinds of portfolios such as business, stocks, and real estate.

Business is a personal activity that deals with economic factors that determines future gains. It is the chemistry of work and investment. This means that a businessman does not only wait for passive income, he should also work for it. Therefore, it is an active income and at the same time passive.

In the aspect of safety, business is not that safe. It is exposed to economic cycle. Businesses are under the supply and demand law. If the demand for their goods has been increasing, the price will also increase, and so will the supply. As time goes by, the demand will influence the supply to increase more. So if the supply is much greater, it will then influence the price to decrease. Consequently, businesses are getting more unstable and their future is turning gray. But, businesses may also get more resilient. As this type of investment is a little active, the active control of a businessman can manage a worse situation. Therefore, these two characters of investment regulate the cycle. Because of this, business becomes good. It is definitely a good example of passive investment income when it comes to safety.

In stock market, it’s the other way around. Safety is a very controversial issue here. Obviously, the risk involved here is very high. But the potential return is high, too. Passive investment income is more common in stock trading. Therefore, your income here is not the product of your active participation in the company. It is the product of your decision.

In the area of real estate, the lesser amount you invest, the safer it is. The bigger the investment you have, the riskier it becomes. But land alone is considerably not risky. The reason why real estate becomes a little risky is because the cost of structural materials is getting higher. Structural materials are also subject to the law of supply and demand. So, if we only rely on land for passive investment income by renting it out, our passive income will not be affected by any price fluctuation. Aside from that, structures depreciate over a period of time. Therefore, investing in real estate can be risky or safe depending on the kind.

In terms of profit, it is more attractive in business. In some businesses, you have to spend time before you earn regularly. Usually, the profit is negative especially if they are just beginning to operate. They should promote their brands and strengthen themselves in the market. When the consumers buy their goods, passive investment income begins. On the other hand, other businesses are doing well in the beginning of the operation. During the first stage, their sales shoot up. Subsequently, they grow very early. As time goes by, consumers get sick and tired of their goods. Consequently, these businesses reduce their passive income. Nevertheless, what is nice about business is the resilience to catch up with the competition. In business, the consistency of income is stable. One more advantage in business regarding this is the petty cash. Passive investment income in business need not come after a fixed cycle like that in stocks. There is always readily available petty cash.

On one hand, profit potential in stock investing is definitely high. As the character of stocks is risky, risk appetite causes the value of stocks to go up quickly. On the other hand, risk aversion and profit taking in the intraday trading can cause the value of stocks to go down quickly, too. Risk management in the stock market depends on the traders. Speculators enjoy their passive investment income from the price volatility while non-aggressive traders and investors get their passive investment income from dividends. Therefore, we can’t rule out the risk nature of stocks. When we gauge the balance between the energy we exert and the profit we earn, investing in stocks could be the most attractive one. We must not forget that passive investment income is an income that we could get without extra effort. If stock market really offers this potential, it must be a better option for passive investment income.

In real estate, how can we have a passive investment income? There is no doubt that one may enjoy his passive investment income in real estate without extra effort. The point is whether or not the ratio of profit is balanced with the investment. Surely, we can gain in real estate primarily because the usual investment is big as well. But always remember that you should pay the capital gains tax annually. This might explain why landlords do not solely rely on renting out their lots. Hence, land is usually developed to optimize the gains. Regarding the actual amount of gains, real estate could guarantee a better passive investment income. Therefore, we should really consider the ROI.

In terms of liquidity, it is somewhat less in business. Of course, liquidity still exists. However, much time is spent to put up a business, to start gaining, and even the time it takes to stop operating. Although the period of time executing all these can be determined according to a business plan, the process is still slower depending on the kind of business. Retail businesses are quite liquid whereas manufacturing industries are not.

Among the common types of investments known to many, investment in stocks is the most liquid one. You can open and close an investment account at your convenience. Moreover, you may select any available stock you wish to invest in. If you wish to have exposure in stock market, to take profit, or to pull out your investment, it won’t take that long. You may do so at any given time wherever you may be.

On the contrary, liquidity is a big problem in real estate. In business, there are still ways to determine it, but hardly in real estate. Usually, it is like a game of chance to sell even a small house and lot. Thus, investing in real estate, earning passive income, and even pulling out your investment will never occur overnight. It won’t matter if it doesn’t affect productivity. For instance, you have found a better opportunity that needs quick decision. Then, you think it best to change your existing investment into such a new one. Perhaps, before you are able to pull out your investment from real estate, your commitment to others will have already been canceled. In similar case, you might get stuck.

These are some ways a person can generate passive investment income. Whether you wish to invest in stocks, real estate, or business, you can always find an opportunity to generate passive investment income.

Indians Are Best Exporters of Agricultural Commodities

Agricultural sector is the mainstay of the rural Indian economy around, which the socio-economic privileges and deprivations revolve, and any change in its structure is expected to have a corresponding impact on the existing pattern of social equality. The growths of India’s agriculture sector during the 60 years of independence remain impressive at 2.7% per annum. About two-third of this production growth is aided by gains in crop productivity. The need based strategies adopted since independence and intensified after mid – sixties primarily focused on feeding the growing population and making the country self depend in food production.

Export is a combination of numerous activities like “Indian Agriculture Exporter”. It starts from the farm and ends up till it reaches the ultimate consumer. Each steps of the process requires intervention of various agencies. Entrepreneurs depend upon these agencies to get their job done. Jobs may be related to the sourcing of seeds, harvesting / thrashing, storages, packaging & labeling, cold storages, water treatment / softening plant, interaction with Govt. agencies, lifting of goods, goods clearance at the departure point and receiving at the importers end. The integration of the job work at all stages finally ends up with an export order. There are service providers who may extend their services at all levels and few may have expertise in specialized fields.

They are the private agencies, who are established and into the business of providing the basic necessities to anyone expecting service in their related fields. Regular update is done to accommodate more and more new comers in the field of services.

Indian agriculture has attained an impressive growth in the production of food grains that has increased around four times during the planned area of development from 51 million tons in 1950-51 to 199.1 million tons in 1997-98. The growth has been really striking since sixties after the production and wide spread usage of high yielding varieties of seed, fertilization, pesticides, especially in assured irrigated areas.

From time immemorial India has been known as the Land of Spices. The Chinese, Arabs and The Europeans came to the Indian shores lured by the spices grown here. Pepper, ginger, turmeric and cardamom are the most renowned of Indian spices. We earn Rs. 1612 crores from the export of spices annually (2000-0 I). The world consumption of spices is growing steadily year by year. Expansion of our export of spices to increase or even to retain our share of world market is imperative. This can be achieved only through increased productivity and improved quality.

The developed countries give top priority to the health of their citizens. The laws with respect to items of food are meant to protect the consumers from food of inferior quality, or those which are likely to be contaminated by impurities or poisonous substances. Therefore any food item that we export, be it marine products, cashews, pepper, cardamom or ginger, it is important that the product conforms to the quality standards demanded by the importing country. In the context of thousands of people getting infected with food borne diseases or even dying of food poisoning, it is only just and reasonable that countries which depend on imported food stuffs should take such extreme precautions. Food materials that have become rotten, spoiled, infected with micro-organisms or contaminated by other impurities are either destroyed by the import inspection authorities or sent back to the exporting country. This not only results in loss of market but also damages the exporting country’s reputation.

The quality of any commodity depends upon the inputs used and the practices adopted in its cultivation, processing, packing, storing and transportation. In the case of agriculture products, therefore, constant care right from the pre-harvest operation till the product reaches the consumers becomes imperative. The following are the important points to be remembered at the various stages.

The Perfect Start With Car Hire at the Athens Airport

Athens Airport is a sophisticated and a contemporary transportation hub. The airport is a civilian port for all the passengers entering and exiting the city of Athens. The airport serves as a significant seat of Olympic Air. It successfully acts as the terminal for around 16 million passengers each year. The airport has been named after the eminent Greek Statesman Eleftherios Venizelos.

The airport serves as a significant passage to Asia and the Middle East countries. You will be amazed to know that this contemporary and cosmopolitan airport has been certified by the European Aviation Safety Agency and the Federal Aviation Administration. If you are arriving in Greece, you can conveniently pick up a car hire Athens Airport to get a perfect start to your holiday.

The present airport is in the same place as the previous one. It was outdated and really needed to be updated. The towns of Markopoulo, Koropoi, Spata and Loutsa are well connected by the airport. And it is now known as one of the busiest airports in Europe. In 2006 the airport was felicitated with a Skytrax award as it was recognized as one of the best airports in Southern Europe.

One of the uncomplicated and economical ways of travelling the city is car hire Athens Airport. The city of Athens still has the ruins and the monuments of the Roman and the Byzantine monarchs that had ruled the city. The tourists are allured by the rich and the expansive cultural heritage of the city. Car hire Athens Airport is the best way to navigate the city. The nearby tourist attractions can be easily reached and viewed by car hire Athens Airport.

Athens is known as a contemporary and an idyllic destination for vacations with plethora of tourist spots and attractions. The colorful history of the city is still clearly visible by the historical and cultural imprints in the city. The mesmerizing monuments, enchanting churches and scenic location allures tourists all over the world to the city.

The tourists should view the neoclassical architectural brilliance dominating the historic city of Athens. The ancient yet sturdy building of the Athens Academy is a masterpiece and the beautifully constructed National library that has successfully housed timeless books, journals and other literary classics.

The tourist will have a great time shopping as Athens has many reputed stores, and wonderful beaches that result in entertaining tourists. The most beautiful and sun-kissed beaches include Vouliagmeni, Varkiza, Kavouri and so on. The scenic beauty, the lush green patches in the city and the impeccable architectural beauties make the city one of the most sought after tourist destinations in the world.