Classifications of Investments

Investments can be classified in many forms. Here are 6 classifications of investments:

Securities vs Properties

Securities are related to ownership of a business or other assets. Bonds, shares and options are some of the examples of securities. Meanwhile, properties can be in the form of real properties or tangible personal properties. Real properties refer to land, building and and all immovable improvements on land. Tangible personal properties include gold, antiques and other valuable collectibles.

Direct vs Indirect

Direct investments shall mean acts of acquiring stakes directly on securities or properties. For instance, buying bonds, shares and real properties to gain profits or to preserve values. An indirect investment, on the other hand, refers to an investment made in a portfolio. Purchasing mutual funds can be considered as indirect investments as you do not invest directly to the security of a company.

Debts vs Equities vs Derivatives

Debt shall mean invest your capital as a loan to earn interest. You may expect your capital plus interest to be repaid to you upon maturity. Purchasing a bond is a clear example of this.Equity refers to ownership of a business or assets. Buying ordinary share is the common type of equity. Derivative is quite different from debt and equity. The value of derivative is obtained from the underlying assets. You are allowed to buy or sell a security or asset at a specific price in a specific period of time. The example of a derivative is an option.

Low Risk vs High Risk

The higher the potential of earning by an investment vehicle, the higher its risk and vice versa. That is why a bond is considered a low risk investment, while a stock is generally related to high risk.

Short Term vs Long Term

A short term investment usually matures within a year. A long term investment, on the other hand, refers to longer period of maturity or even without maturity.

Domestic vs Foreign

Domestic investment shall mean investing your capital within your own country, while, with the aid of technologies, foreign investment has been made easy for those who intend to invest overseas via online trading.

If you are not interested in Business List , then you have already missed a lot.
Posted in Uncategorized | Comments Off on Classifications of Investments

Ways to Buy Rough Diamonds

Diamonds costs much. Do you know that the quality of the diamond cut and its processing add value to the stone? One way to save and earn profits on diamonds is by learning how to buy rough stones, have them cut and polished by an expert cutter. But this process is not simple because it involves grave financial risks and plenty of scam. But before you buy rough diamonds, follow these seven simple rules.

Rule #1: It is important that you know the classification of uncut stones

If your plan is to buy rough diamonds, you simply cannot proceed without learning about the basics, such as pricing, crystalline structure, color tests and others. That is so, except if you can afford to hire someone who can help make decisions for you. Classification of uncut diamonds is not the same as the 4Cs of cut or polished stones.

Rule #2: Make purchase deals only with a credible vendor

Sometimes buyers are tempted to deal with unreliable sources because they sell diamonds at lower prices. The odds of being scammed are pretty high and purchasing diamonds from unauthorized individuals can bring you a lot of trouble legally.

Rule #3: Get your own tools to check the diamonds in daylight

Bright and proper lighting is important in examining uncut diamonds; without it the true color may be hidden or altered. Getting your own tools for meticulous examination of uncut diamonds would greatly help in a good investment with uncut diamonds.

Rule #4: Quality rough diamonds is important

Have the rough diamonds appraised by a lab or independent appraiser so that you can return them if they do not meet your criteria of quality.

Rule #5: Have a skilled cutter for your uncut diamonds

Most likely, rough diamonds will need to be cut for your own use or for reselling. Do not waste your investment on poor workmanship and improper handling of an inexperienced cutter.

Rule #6: Have your uncut diamonds appraised before and after

If the uncut diamonds have been exchanged for another lower quality, it won’t be easy to tell. Before cutting the rough diamonds have an appraisal by an expert appraiser; then do the same after the cutting.

Rule #7: Buy diamonds that are conflict-free

It is difficult to sell blood diamonds and if you can, they are at lower prices than expected. In your purchase of rough diamonds, ensure that it has the Kimberly process certification. It is very important to have a thorough understanding about the world of diamonds in order to correctly choose, purchase and cut rough diamonds. If you want rough diamonds as a cheaper alternative or to gain profits by reselling them, it is essential that you invest time to learn the tricks of the trade in order to get the utmost benefit.

Posted in Uncategorized | Comments Off on Ways to Buy Rough Diamonds

Go Green In Your Office Recycling And Buying Recycled Office Supplies Makes A Difference

It’s great to see people taking more interest in caring for our environment. Believe it or not, office supplies and the office products you use can make a real difference in helping our planet. Everyone knows that reducing paper usage saves trees, and that businesses use a ton of paper products like copy paper, paper towels, and envelopes. Buying recycled office paper is a great start to doing your part for the environment, but there are many other ways to “go green” in your office.

Before we even talk about buying recycled office supplies, first let’s talk about recycling in your office. If you are not already recycling in your business, start today. It’s easy, most employees want to participate as they already recycle at home, it helps save trees, and it keeps paper, glass, and plastics out of our landfills.

The first thing to do is buy recycled bins to place in break rooms, copy rooms or by copy machines and desks. Recycled trash cans like the Rubbermaid RCP295573BE typically sell for under $9.00, and have the recycled seal so all know that only recycled materials go here. For larger needs in break rooms, try Rubbermaid Brute recycled containers – #RCP263273BE, and for convenient retrieval of cans, bottles and plastics, get the Ex-Cell 3 Compartment Recycling Container, (EXCRC15283RBL) which has convenient compartments for each item type.

The second thing to do is make sure your office is recycling all the ink and toner cartridges you are using. With literally millions of cartridges being used every year, we are flooding our landfills with used inj jet and laser cartridges. The plastics they are made of have half-lives of hundreds of years, so they aren’t going away. Some environmentally conscious office supply dealers have recycling programs where they provide boxes to throw your used up ink cartridges, and then ship the boxes free to recycling centers to be reused or recycled.

Once your business is truly recycling, it’s time to start buying recycled products. The best place to start is by changing to recycled copy paper, which is by far the highest volume paper product used in offices. Yes, it costs a little more, but not that much more. Remember, people need to buy products made from recycled materials in order to use up all that paper being recycled, and copy paper does the most good.

I recommend Navigator premium recycled paper which has a high brightness, and is great quality. Some online office supplies stores feature this paper with very competitive pricing, and it contains 75% recycled material. Another great recycled paper brand is Great White paper by Hammermill. Their Great White 50 paper contains 50% recycled material.

Next, go to your break room and switch out your paper items to recycled products. Let’s face it, businesses typically do not buy the softest most luxurious paper products for the office, so going to recycled will not even be noticed quality wise. Recycled paper towels and paper napkins are a “no brainer”, and Marcal has a great line that’s reasonably priced.

Quality recycled paper plates are available from Chinet that are made from 100% recycled material and are compostable. SOLO cups has a new line called Bare PLA that are made from 92% renewable materials, and available in a variety of sizes. All these brands and items can be found shopping at a quality online office products store, and while typically a little more money than items that are not recycled, they are well worth the environmental impact in the long run.

The truth is more people buying recycled products will cause prices to go down, which is good for our planet and good for you. Let’s all do good work together by actively protecting our environment, first by recycling in the office place, and second, by purchasing recycled paper products that are used in bulk in your business. It’s a part of practicing a conscious capitalism business model, which over time will bring significant positive social change to our world.

Posted in Uncategorized | Comments Off on Go Green In Your Office Recycling And Buying Recycled Office Supplies Makes A Difference