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  • crammystand

    Investing Guide at Deep Blue Group Publications LLC USA Madrid Tokyo: 5 Financial Tips for Singles

    3 years agoReply
    When you are single, you're possibly too busy living the life instead of thinking about serious things like savings or investing because anything related to finance and money doesn't hold much weight to you. But you should also consider investing your money for the future.

    Deep Blue Group Publications( ) provided some important financial tips below for singles.

    Begin having a budget

    Without a budget, you will never find out how much you have overspent and how much you actually need to stay out of debt, so make an effort to start budgeting as soon as possible. Since almost everyone nowadays has a mobile phone or smartphone, there are a lot of mobile applications to help you monitor your finances. Alternatively, you could also use a notebook to track your finances.

    As soon as you begin tracking your finances, you will realize what you really need and not want, and reduce spontaneous purchases.

    Save and invest now

    Some single individuals put off savings for later. However, the sooner you start, the better it is for you 10 years later, as you would have a significant amount in your bank, and this will only continue to grow until you retire. So take action and do it soon.

    As Albert Einstein pointed out: "Compound interest is the eighth wonder of the world. He who understands it, earns it... he who doesn't... pays it." He also referred to compound interest as "the most powerful force in the universe". The magic of compound interest lies in the way that today's investment returns will generate gains in the future.

    Discuss your finances

    In case you are not knowledgeable with the fundamentals of finance, you can speak to your parents or seek a financial adviser( ) to discuss about your finances, and get an advice on why it’s best to invest your money for the future. After you get an understanding of what investments works best for you, then you can make your own decisions slowly but surely.

    Build an emergency fund

    Start your emergency fund even if you can only save a few dollars monthly. Any emergency savings is better than none.

    It is necessary to have a small amount of saving in case of an emergency so you will not be caught off guard. Put your emergency funds where they can be utilized quickly and without penalty if you need them. High-interest savings accounts and money market accounts are great options.

    Treat yourself every now and then

    You don't have to be a penny pincher constantly. Remember that you are allowed to treat yourself on specific occasions, and appreciate the treat instead of feeling guilty about it. However, keep in mind the budget you create for yourself and spend wisely.
  • crammystand

    Investing Guide at Deep Blue Group Publications LLC Tokyo

    3 years agoReply
    Investing in You: How to hunt bargains like a pro

    There are savvy shoppers. Then there are holiday crazies - expert, rabid consumers who combine coupons, compare online vs. in-store bargains via smartphone, and put us all to shame.

    Edgar Dworsky, proprietor of nonprofit consumer advocate Consumer, is among the latter.

    Here's what he does before buying anything, most especially during this season of shopping insanity, along with tips from some other parties:

    Chart price history. Start by visiting sites like,,, and, as well as Google Shopping,, and eBay. This year, the Wall Street Journal has launched a "Christmas Sale Tracker" on 10 popular items that updates constantly. alerts shoppers when prices drop.

    "Sometimes, what seems like a good deal today really isn't a good deal vs. six months ago," Dworsky says. "Also, read negative reviews and horror stories. There are lemons out there, so do your homework online."

    Reviews can be found at sites such as,, Consumer Reports, or

    Combine savings. Let store credit cards, coupons, loyalty programs, and promo codes work for you. Try and, coupon apps you download on a phone.

    Assuming you're not creeped out by the Minority Report overtones, RetailMeNot's app tracks your physical location to send relevant deals. Walking by Old Navy or Macy's? The app senses your location and sends you a coupon.

    "There's no clipping, no carrying paper coupons around, and you can also save these coupons on your phone. RetailMeNot will alert you when the coupons expire," says Trae Bodge, a RetailMeNot blogger in Montclair, N.J. is a loyalty program for Sears and Kmart that Dworsky uses to buy appliances. "If you're renovating a house, you can rack up a lot of points buying all your appliances from Sears," he says, "and maybe get 2 percent back if you use a Sears credit card."

    Check for rebates. Just prior to buying, Dworsky checks with or to see whether those sites will pay cash back for purchases at major retailers such as Sears.

    "Prices on Kenmore appliances, for instance, are typically inflated," he explains, "so it's a great way to get extra savings."

    Take credit. For the love of money (say, fraud, security, and repair costs), don't shop with a debit card or cash. You have everything to lose by using debit cards, and cash payment doesn't offer warranty extension or returns protection.

    "Unless you are someone for whom credit is like booze and you can't control yourself using it, avoid paying cash or debit," Dworsky says.

    Some credit cards double warranties on refurbished items. ( compares extended warranties.)

    Dworsky uses a Fidelity Investments credit card with 2 percent cash back and price-protection coverage, and a Chase Freedom Visa card. Both offer warranty extensions.

    Some card issuers also generate one-time "virtual" credit card numbers, Dworsky says, which "I like to use when I'm shopping in an unfamiliar place." It's called a "shop-safe" card number, issued once and with a short-term expiration date and credit limit, to help prevent fraud.

    Online deals honored?

    Last season, Walmart did not honor lower Internet prices on some items, partially because the two divisions within America's largest retailer compete with each other, Dworsky says. Kohl's uses electronic signs in its stores that change prices every hour, complicating comparisons with online pricing.

    Traditionally, Apple offers discounts of up to 10 percent, but last year ditched the discount and instead paired products with Apple gift cards. Retailers including MacMall, Best Buy, and Walmart offered significantly better deals.

    This year, Dworsky again recommends avoiding Apple stores. "Unless you're in the market for an Apple refurb - which is a great way to save money on Apple devices - there's no reason to shop from Apple during the holidays," he says.


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  • crammystand

    Investing Guide at Deep Blue Group Publications LLC Tokyo: How to Invest in Securities

    3 years agoReply
    1 Like

    What is a Securities Investment?

    Loosely defined, a security in the world of finance( ) is an instrument representing financial value. Securities can be categorized as debt, equity or derivative securities and can be represented through a certificate or non-certificated book entry form. These certificates entitle the holder to rights under the security and can include shares of stock, mutual funds or bonds.

    Investing in Securities -

    Debt securities, or bonds, refer to a type of loan in which the investor lends an institution money in return for the payment of at certain intervals. Bonds can be issued by credit institutions, government agencies and public authorities with the initial lending amount agreed to be repaid at a later date. Bonds are a reliable securities investment because they generate a fixed form of income through interest. Equities refer to the amount of ownership you buy in a company and can be purchased in the form of stock and dividends. Derivative contract securities derive their value from direct securities in the form of futures, swaps, options and index options.

    There are two types of markets to consider when investing in securities: primary and secondary. In the primary market, the money for securities is received from investors in a public offering transaction, such as offering stock to the public. In the secondary market, the securities are assets held by one investor selling them to another investor. The secondary market must exist for the primary market to thrive because holders of securities are able to sell them for cash in the secondary market to other investors. For this reason, investing in securities oftentimes comes with organized exchanges to perpetuate both markets.

    If you’re interested in investing in securities, it is worthwhile to check out the latest news and trends( http://deepbluepublicationsgroup.blogspo.. ) surrounding the form of securities you have invested in. InvestorPlace offers the latest news on securities and trends, as well as expert perspectives on the market today. Check out what our industry leaders have to say about securities investment by looking through InvestorPlace today!

    For more info you can visit our Website at Deep Blue Publications Group LLC -
  • crammystand

    Investing Guide at Deep Blue Group Publications LLC Tokyo: The top ten legal pitfalls of starting up

    3 years agoReply
    Here, law firm Brecher looks at the mistakes entrepreneurs typically make at the start of their experience.

    Entrepreneurs are, by definition, driven and ambitious and usually have an excellent grasp of their industry, gained either through experience or thorough research. Despite this, many are surprisingly unsophisticated when it comes to identifying the legal pitfalls associated with starting and growing a new business. Shared horror stories reveal surprisingly common mistakes being repeated across the sectors.

    1. Not choosing the right vehicle
    Avoid the tendency to use a particular vehicle merely because someone else does. The structure of each business is unique to that business: while a limited company may be a popular option it can be tax inefficient, whereas LLPs are tax transparent but have other drawbacks like the offsetting of group losses. Make time for proper tax and structuring advice at the outset to avoid leaking profits later in.

    2. Getting the equity structure wrong
    At the outset of a new venture, an informal agreement as to who should be entitled to what may seem sufficient, but informal agreements are difficult (if not impossible) to evidence should there be a disagreement later down the line. Even without disagreement, deferring the formal allocation of equity until a later date can cause a plethora of issues, including the trigger of tax and causes nervousness among funders. Discuss and resolve at the outset who owns what, and make sure that structure is formally documented to avoid confusion and disputes.

    3. Buying an off-the-shelf constitution
    Adopting pro-forma articles, or doing away with an LLP agreement, may seem a great cost saving in the short term, but can leave you exposed later down the line. Take the time to put in place appropriate mechanisms and protections to make sure you have adequate control over the equity and management of the new venture. If confidentiality is a concern (eg in terms of sensitive profit shares, control issues or exit rights) shareholder agreements are a useful tool as they do not appear on a public register.

    4. Not considering all the finance options
    Contrary to popular belief, finance is still freely available, but it remains a lender’s market and investment of any form undoubtedly comes at a cost. While institutional lenders remain risk averse, the secondary lending market has seen huge growth over recent years, and many providers are now willing to consider spreading their investment between traditional loan and equity. The options are endless, complex and come at a cost, so make sure you understand the small print before committing.

    5. Not getting the right professional advice
    Getting the right advisers on board at the outset can be a huge competitive advantage. As well as giving structuring advice on set up, the right team can add real value not just in pre-empting issues but also in proactively advising on how to resolve them. Professionals used to acting in this area will be an excellent sounding block as to what works and what doesn’t, and their ability to make introductions and open doors should not be underestimated. Where a business has no track record, entrepreneurs are often judged on the quality of their professional team so take time to shop around and find the right team for you.

    6. Not protecting your crown jewels
    It is surprising how often this ‘basic’ is overlooked, but the value of the business will be depend on the value of its assets. So protect them. If the business is reliant on intellectual property rights, register them. If it is contract based, document those contracts. If the information is reliant on information, make sure it is not released without robust non-disclosure agreements being put in place, and if it is dependent on key employees or consultants, ring fence their terms of employment with suitable non-complete obligations. Without these, the faster the business grows, the faster its inherent value will be eroded.


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  • crammystand

    Investing Guide at Deep Blue Group Publications LLC Tokyo

    3 years agoReply
    Four Tips for Agile Thinking (And Sales Success)

    At the recent Dreamforce conference in San Francisco, I had the pleasure of appearing on a panel, "Competitive Edge in Today's Sales World," led by sales guru Jill Konrath who is known for her innovative strategies and thinking.

    Jill's latest book, Agile Selling, is a must-read for sales people looking to succeed in today's competitive landscape. She talks about how it took more than basic sales skills to be successful, and tells how she dealt with fear, mastered a "never-fail mind-set" and learned to see things from her customers' perspectives. She realized how important these traits were to her "agility" -- her ability to rapidly acquire knowledge and develop new strategies.

    The panel discussion was lively and informative, and it struck a chord with me because I've long adhered to many of Jill's beliefs. We were each asked four questions on the panel, and I'll share my answers in the hope they'll help people understand how crucial agility is in today's market.

    Question #1: How are you staying agile? What are you focused on learning right now?

    My husband likes to joke that I can't keep a job. I have had a number of roles in my career and I like to think it's because I have demonstrated the ability to be an agile learner. Whenever a new task or project is at hand, I work to come up to speed quickly and swiftly execute a plan.
    As Chief Content Officer at Thomson Reuters, I seek to learn everything I can about our vast content operation, which is at the core of what we do as a business. It sometimes feel like I'm drinking from a fire hose when it comes to understanding important trends such as big data.

    Whenever I take on a new role I immerse myself in a 30-day deep dive of interviews with key stakeholders, including employees across the business, customers, partners, and thought leaders. I ask lots of questions: What are our strengths? Our biggest challenges? What are the key factors affecting our customers? And perhaps the most important question (because the answer can be so informative): What would someone else focus on if they were in my role? All of this helps me learn--and respond with agility to any challenge.

    Question #2: What do you view as the number one competitive edge?

    We live and work in a data economy where the key to success is information and knowledge. Competitive advantage rests with companies that know how to unlock data to drive their businesses.

    But taking the idea of data down to an individual level, the most important skill--one that truly unlocks the power of knowledge -- is curiosity. Curiosity about your own company's products and businesses motivates you to see resources, product briefings, information days, etc. not as a task but as a tool.

    Curiosity about your customers can transform a meeting with them from a pitch session to a listening session. I believe 80 percent of the first meeting with any customer should consist of the customer talking about their business -- and what they need. I prefer to leave our product pitches for later meetings, where they are more likely to be successful because we're more prepared to respond to what the customer wants. Curiosity is at the heart of this process.


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