Deep Blue Publication Group
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Deep Blue Publication Group
Deep Blue Publications Group LLC is an online publication of latest news, stock market investing principles and tips, personal planning guide that will give you statistical analysis of latest financial market. Visit Our website @
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Deep Blue Publications Group: Tips on Avoiding Accounting Bloopers | Deep Blue Publications Group

Deep Blue Publications Group: Tips on Avoiding Accounting Bloopers | Deep Blue Publications Group | Deep Blue Publication Group |
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Newly established businesses can run into a lot of mistakes particularly in accounting which can be expensive for the company. Avoiding them by learning from professional accountants can give business-owners a head-start. 

According to expert accountants from the FreshBooks Accountant Network, the most common accounting mistakes committed by small enterprises are the following: 

1. Fumbling with Receivables 

Getting money into your business is definitely good. However, it Is not enough that you receive payment; you have to reconcile your invoices (records of who owes you how much) with your customer deposits or payments. Leaving them unreconciled will result in so much waste of manpower hours. A regular monthly process to avoid this mistake will save any company time and money in the long run. 

A good way of easing up your accounting work is to receive payments online. You can also use cloud accounting software to automate and facilitate your work. 

2. Failing to keep Expenses Receipts 

Not keeping copies of business expense receipts can produce problems in tax, accounting and cash flow computations. Not knowing specific expenses in your bank account statement can result in high tax payments and other problems if ever you are audited. 

The solution is easy: Keep your receipts. How do you do it? 

- Use your business or credit card for business expenses 
- Collect all your receipts in a bag or a box. 
- Do a weekly or monthly filing of the receipts in your tax folder or keep digital copies. 

The best tip, of course, is to add all those expenses as you incur them. You can use accounting software to make the task faster and simpler with the use of a smartphone. 

3. Failing to Keep Cash Expense Records 

Accounting is all about knowing what goes in and what goes out. Hence, not keeping records of your expenses is like going to war without counting your troops, not to mention those of the enemies. This holds true especially to cash expenses since other payments, such as those made through credit cards, debit cards or checks, are reflected somewhere in your bank account. Again, there are apps the business-owner can use with their smartphone so that they can keep track of those cash payments. But it all starts with asking for a receipt each time you make a cash-payment. 

4. Failing to Connect with Your Account 

Often accountants use jargon or technical terms the ordinary small-business owner cannot understand or does not have any idea how they affect the business. It is assumed that hiring an accountant means getting information or advice that is translatable into layman’s terms so that any business-owner can make the necessary steps to translate the technical knowledge into practicable measures. 

Financial professionals can communicate with their own kind, but not with the rest of humanity. Make sure your accountant understands this problem. 

These actually seem like easy problems to recognize in the daily operations of any business venture; but, as with so many other things, the easy tasks are the most neglected or taken for granted. If you wish to succeed in your business and keep your shirt on your back, you cannot afford to leave these areas unattended.

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Deep Blue Publications Group LLC: Netflix to enter Chinese market

Deep Blue Publications Group LLC: Netflix to enter Chinese market | Deep Blue Publication Group |
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Video streaming provider Netflix is reportedly negotiating with Chinese media firms in a bid to enter the country's huge market. However, it could possibly be faced with challenges like censorship along the way.


According to reports, Netflix is currently in talks with several Chinese firms that hold content license in the country. Most notable among them is Wasu Media Holding, co-owned by Jack Ma of Alibaba.


Shares of Netflix increased sharply after reports of its possible operations in China became public. It increased by 5%, gaining around 30% since April and passing the USD 600 threshold for the first time. Moreover, the online video streaming service got almost 5 million new customers, reaching the all-time high of 60 million subscribers -- with 20 million coming from its foreign markets.

Doing business in Beijing will present a number of concerns for the company like potential censoring of certain programs and questions about streaming rights in the country. Netflix has been licensing some of its programs to Chinese companies before but is now looking to acquire global rights to its content.


However, Deep Blue Publications Group LLC reported that Netflix is cautiously saying that the company's plans in China is a modest one -- just a "small service" if things work out well with their negotiations.


"If we go, it will be a modest investment. Because we won't have that much content, we're going to be very cautious and feel our way along through that process, if we're able to get that license," said Netflix's Reed Hastings.


Their video streaming service has recently launched in New Zealand, Australia and later Japan. Looks like Netflix is getting closer to its goal of being available in two hundred nations as it has already reached 50 at present. Perhaps it's trying to boost its international presence more than ever as domestic growth is slowing down, according to Deep Blue Publications Group LLC. Indeed, its foreign markets' growth is overtaking that of its domestic numbers.

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Deep Blue Publications Group LLC: Two charge with insider trading by SEC

Deep Blue Publications Group LLC: Two charge with insider trading by SEC | Deep Blue Publication Group |
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US authorities filed insider trading charges against two Indian entrepreneurs for allegedly gaining a million dollars from the proposed merger of India's Apollo Tyres and Cooper Tire and Rubber in 2013.


The Securities and Exchange Commission (SEC) filed a complaint against private equity investor Amit Kanodia and his friend Iftikar Ahmed, a partner of Oak Investment Partners firm in Connecticut.


Kanodia, a graduate of University of Massachusetts and Ahmed, a graduate of Harvard Business School are facing criminal and civil charges filed by the SEC and Attorney's Office for Massachusetts. While insider trading sentences are usually less severe, they could still face a USD 5 million fine and a maximum of twenty years in jail because of the fraud.


According to the SEC complaint, Apollo agreed to acquire Cooper Tire in June 2013 for USD 2.5 billion. But two months before the merger of Cooper Tire and Apollo was announced to the public, Kanodia learned of it from his wife, the general counsel of Apollo that time. He then allegedly shared the confidential information with his friend Ahmed who went and purchased Cooper Tire shares.


After the deal was announced, Cooper Tire's stock price increased by 41%. That's when Ahmed apparently liquidated his Cooper Tire stocks and gained over USD 1.1 million. Deep Blue Publications Group LLC discovered that the proposed merger did not materialize anyway due to legal disputes between the two firms in December of 2013.


The SEC also claims that Kanodia received a kickback of USD 220,000 which was paid by Ahmed via a supposed charity organization of Kanodia called the Lincoln Charitable Foundation.


Kanodia's legal counsel told Deep Blue Publications Group LLC that his client is going to assert his innocence and will not plead guilty. And while any representative from Ahmed's camp cannot be reached, a spokesperson from Oak confirmed that he is placed on leave of absence.


US Attorney Carmen Ortiz said, "Trading on insider information is fraud, plain and simple."


Typically, when the SEC files insider trading charges, they come with corresponding settlements. However, there is none in this case as it says the investigation is still underway.


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Deep Blue Publications Group LLC: Why you should Secure your Financial Info

You might have subscribed to a credit monitoring service or a special insurance so you're not really worried if crackers did make use of your credentials to conduct fraud, but you probably didn't think that recovery from a case like that will take many months of unpaid time and effort.


The issue is not getting any easier to deal with: While crackers are getting their hands on an ever-growing treasure trove of sensitive data even from big players like Sony and Target, an increasing number of those records are also getting used. Deep Blue Publications Group LLC - ; estimates that 30% of US citizens affected by a security breach eventually became a fraud victim last year. 


A case study done by Deep Blue Publications Group LLC included a victim of a data breach from 2013 who was afterwards provided with a free service of credit monitoring. The monitoring apparently paid off as they discovered that new accounts have been created in two other giant retailers which racked up over USD 7,000 in charges using the victim's credentials. He would then spend the next 8 months filing reports, submitting documents and talking on the phone all to clear up his record in the concerned agencies and in proving his innocence to his bank.


In most cases, those effort and time spent following up the incident is wasted unless a special insurance has been bought beforehand or the victim has sued -- and won.


The only thing that's arguably worse than credit card fraud is debit card fraud -- victims could end up with literally an empty bank account as any transaction on a debit card readily reflects to the bank account. Also, it takes a long period of time before any fund gets restored, if at all.


Banks may be able to absorb the fraudulent charges but there will still be a lot of headache involved on the victims' part before they recover their money and clean their credit history. What's more, it could get frustrating when they realize that such cases of identity theft are hardly prosecuted.


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Investing Guide at Deep Blue Group Publications LLC Tokyo - Investing in You: How to hunt bargains like a pro

Investing Guide at Deep Blue Group Publications LLC Tokyo - Investing in You: How to hunt bargains like a pro | Deep Blue Publication Group |

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.

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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.



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Investing Guide at Deep Blue Group Publications LLC Tokyo - Top Tips For Winning New Clients

Investing Guide at Deep Blue Group Publications LLC Tokyo - Top Tips For Winning New Clients | Deep Blue Publication Group |

Looking for ways to attract additional clients? Here are some helpful suggestions from a variety of industry sages, including Ron Carson, founder of Omaha, Neb.-based Peak Advisor Alliance, a coaching program for financial advisors.


Explain Your Fees


Based on his research, Carson found that today’s investors — first and foremost — want to understand how and when an advisor they are looking to work with gets paid. Advisors, therefore, need to be precise about how much they will be charging and clear in explaining how they come up with their fees. One way advisors can be more transparent is by simply posting their fees on their firms’ websites, so that any potential clients can see them, carefully review them, and then ask questions.


Don’t Be Condescending


Potential clients also want to be treated as equals. They can sense when an advisor is talking down to them or avoiding the details. The choice of words that an advisor uses when speaking with clients is also important. The wrong word choice can have the wrong effect or make the wrong impact. Terms like "asset allocation," "diversification" and "controlling expenses" are all examples of appropriate word choices that can help a client understand the methods of investing being used, according to Carson. Vague words such as “alternatives” can mean a variety of things and are therefore less helpful.


Millennial investors, in particular, don’t want to be bombarded with a bunch of numbers when an advisor is explaining investment choices. And they certainly don’t want to be “schmoozed” in an old-school way. Instead, advisors should be up-front with their clients and provide them with answers to questions in a clear, straightforward manner.


Make Yourself Available


Today's investors also want to be able to access their portfolios whenever the mood strikes them, so investment advisors need to make themselves available at all times. They should be proactive about alerting clients when changes in the economy, the markets or even the government could have a big impact on their portfolio. They should also be able to talk to their clients about how these changes may affect their investment choices.


What Can You do for Them?


Additionally, clients need to know exactly what an advisor can offer them so advisors should be specific when addressing this. They are less interested in hearing a sales pitch and more interested in learning exactly what an advisor can do for them and what services will be provided. Advisors should also ask any potential clients to explain to them what their specific needs are. At that point, the advisor can express to the client exactly how they will be able to fulfill those needs. Advisors may also want to form their own client advisory councils within their businesses and ask clients to offer detailed feedback about their business practices. It’s a great way to find out areas with your business that may need improvement.


Bottom Line


Advisors looking to attract potential clients need to speak in a straightforward manner, be available for questions and leave the sales pitch at the door. They should make every attempt to learn about a client's needs, be specific about what kinds of services they provide and, most of all, be upfront about how they are paid.


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

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

What makes investing in securities different from other investments? Learn about securities and more at InvestorPlace, a leading financial news source with expert investment advisors.

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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( ) 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!


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Investing Guide at Deep Blue Group Publications LLC Tokyo: Tips to making sure that property is a good investment

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Let’s imagine you know what to expect when buying a home a home for the first time, but did you know that it is the little things that can make all the difference in terms of your long-term happiness with your decision? Below are our top 10 tips for making your buying experience as profitable, stress-free, and enjoyable in the long-term as possible.


-  Research Thoroughly Before You Begin Physically Looking


As an agent, I see it all the time, a buyer–or buyers–want to jump into my car with me immediately and begin feverishly seeing dozens of condos on a Saturday afternoon.


Why is this bad? Easy–the clients and I waste 5 hours running around like chickens with our heads cut off and the entire process–after 2-3 weekends of this–quickly becomes disorganized and stressful. This is the exact opposite of how the process should go!


Instead, take time to do your homework before you even involve an agent and begin seeing homes. Start with online sites like Zillow, Trulia, or Redfin and check into different neighborhoods, price points, etc. so that by the time you do actually want to physically see properties and get more serious, you have a very well-defined idea of what you’re actually looking to buy. Also consider attending a few open houses on your own–just be sure to let them know you’re working with an agent if you’ve already chosen one.


-  Location, Location, Location


This is the most famous saying in our industry when it comes to the three things that most effect buyer’s purchasing decisions.


It’s wonderful that you can buy a 3,000 sq. ft. single family home for a very low price if you go out 7 miles due west of Downtown Chicago, but if no one will come and hang out with you, what was the point?


Location is such a crucial piece of the home buying puzzle because it will have the greatest effect on your overall lifestyle.


Do you love getting up early and walking a block to your yoga class and then having a nice protein shake from the juice bar across the street on your way back? If you do, then think long and hard before you decide to give up your ideal location for a few more interior square feet or some shiny new stainless steel appliances.


- Don’t Forget to Account for the Extra Small Costs


When buyers are setting up their budgets, they always remember to account for things like mortgage, tax, and insurance payments, as well as any association dues (for condos or communities with common amenities). They also remember to budget for utilities like gas, cable, and electric and most even remember things like landscaping maintenance and routine maintenance.


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

Investing Guide at Deep Blue Group Publications LLC Tokyo: The top ten legal pitfalls of starting up | Deep Blue Publication Group |
Here, law firm Brecher looks at the mistakes entrepreneurs typically make at the start of their experience. 
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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.


7. Using the wrong incentives

Don’t give away the equity too early or too lightly. Shareholders, however small a stake, acquire additional protections at law, and (if not structured correctly) can cause a real headache in terms of administration and decision making. If you do give away equity, consider creating a new class of share with limited voting rights, and consider ‘good leaver/bad leaver’ provisions that oblige an existing shareholder to sell his shares when he leaves, with the price he receives varying depending on the circumstances of exit. As an alternative to allotting shares immediately, why not grant options the exercise of which is dependent on performance related targets. Phantom share schemes can be a useful alternative, as they reward an employee by tracking the increase in value of the business without diluting the equity. There are a large number of alternatives, many of which have tax consequences, so take proper advice to make the most of these and avoid making a costly mistake.


8. Having unrealistic objectives

It is always tempting to present rosy figures to potential investors, but don’t promise more than you can achieve. Excessively optimistic statements can erode trust and credibility, and making a statement you know you can’t deliver is fraud. Investors can (and do) sue on that basis.


9. Getting lost in the here and now

Getting that first development, or that first contract, underway is critical and can be all consuming, but it mustn’t allow you to take your eye off the pipeline three, six or nine months down the line. If you don’t have resources, and cash flow, in place to fulfil the commitment, the business will fail. Run conservative projections, and keep an immaculate trail of outgoings at all times. If finance isn’t your forte then don’t be too proud to bring in someone with suitable expertise who can help you keep up to date and pre-empt issues before they arise.


10. Leaving the legals to the last minute

It’s really tempting when finance is tight to see lawyers’ fees as an unnecessary cost to be deferred. That view can often be short-sighted, as issues that would have taken an hour to address at the outset can take several days to unpick later on. Lawyers don’t have to cost the earth, and finding the right adviser at the outset will pay dividends in the long run.


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Investing Guide at Deep Blue Group Publications LLC Tokyo: Four Tips for Agile Thinking (And Sales Success)

Investing Guide at Deep Blue Group Publications LLC Tokyo: Four Tips for Agile Thinking (And Sales Success) | Deep Blue Publication Group |
I want every woman and man to embrace the feeling of "Can I really do this?" and know that it is normal -- and a sign you are stretching your potential, taking it to new heights. Keep at it....
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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.


Question #3: What would you recommend individual companies do to help their learning agility?


In the world of information overload, the key to learning agility is determining how to increase the signal-to-noise ratio and focus on data that counts. That's what we do at Thomson Reuters, but it's really what all successful sales people do.


I meet with customers all the time, and our sales teams expect me to be helpful in opening doors to senior client executives. The challenge arises from the fact our clients are all over the world, and in a diverse range of businesses. Remaining credible as one tries to meet the needs of an Australian bank, the Chief Risk Officer of a London investment firm, and the Head of Oil Trading at an Asian commodities house can be a challenge.


I use what I call a 3x3 planning tool for my meetings. I provide the client with three pieces of insight about what we see across the industry and at their peers; I ask three questions about their business and their industry; and I create three opportunities for follow-up engagements. I prep for each meeting this way, then treat it like a conversation. It rarely fails to be worthwhile for everybody involved.


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Money and Investment Tips by Deep Blue Publications Group LLC

Money and Investment Tips by Deep Blue Publications Group LLC | Deep Blue Publication Group |
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Possessing basic money-handling and income-generating skills is important, especially with the economic crunch affecting big and small countries all over the world. The proverbial though blasphemous adage has never been truer than today: Money makes the world go round. And for thousands, it is a literal reality, as their hope of seeing another day becomes dimmer with each meal they miss.


But for the ordinary worker who gets a regular pay check each week or each month, having enough knowledge about money and how to make it work and multiply can spell the difference between a world one wants to keep going around or to make it stop so one can jump out.


Despair no more! It is never too late to learn new skills and techniques on money matters. Financial advisers are a-plenty nowadays what with Google making it a mere click away. Here are a few tips we can share here:


1. What you do not have, you can always find somewhere


Banks are not the only places to get loans from. Friends may have surplus cash they are willing to lend to someone who has the ability and diligence to make it grow. Or, cooperative groups that provide assistance to its members for a small business loan or for a multi-purpose loan. Taking the first step to look for capital for investing can produce great changes in one’s attitude and life.


2. Show your business plan


The trick to convincing people to part with their money so you can use it for your ideas is to present a simple and understandable business plan. It may not even be a written one. A verbal description of a project may already convince a relative or friend to lend you money for a venture. Of course, some may require a written contract. Your confidence in your idea should lead you to abide by their terms if that is the only way you can get capital.


3. Creativity always gives results


A friend once leased out a vacant lot and sub-leased it as a parking lot for a trucking company. He put a guard round-the-clock and provided minimal improvement and made more than forty times what he paid for it monthly. Not a bad deal for a creative guy who had a simple idea and worked his idea into reality. And anyone can do that with enough imagination and courage. The seed money may not even have to be there because if one really believes in a project, it will pay for itself. The down-payment for a lease will be enough to cover a loan you initially took out.


Keep cranking that brain of yours and you will eventually come upon an idea worth selling something valuable that you own in order to raise the capital and start rolling.


4. Get dirty


Starting a business or keeping one running will always require getting your hands dirty. Cleaning bottles for a peanut butter business or feeding pigs on a daily basis in your small piggery farm can seem menial but a necessary part in teaching you the fundamentals of running a business. Eventually, when you have other people doing the dirty work, you will have a better insight as to how the business runs and what makes for a successful operation.


Investing is not all about handling or making money; it is about thinking creatively, using your imagination, treating people compassionately and returning the fruits of your ventures back to your business and the people who keep the business growing and sustainable.


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Investing Guide at Deep Blue Group Publications LLC Tokyo: Financial Engines Revs Up Retirement Plans

Investing Guide at Deep Blue Group Publications LLC Tokyo: Financial Engines Revs Up Retirement Plans | Deep Blue Publication Group |

When they were newlyweds 23 years ago Jeff Maggioncalda’s wife, Anne, challenged him to a Monopoly battle. Determined to gain the upper hand, Jeff secretly created a program, known as a simulation engine, to model the results of 1 million Monopoly games and used it to generate a list of probabilities and payoffs for all the game’s properties. “We played until she realized I had this little cheat sheet, and then she thought I was a total jerk,” he laughs. (Actually, Anne, whose Ph.D. dissertation was on the reproductive strategies of male orangutans, was amused by his creative adaptation.)


Maggioncalda, 45, has used his knack for simulations (and for landing on the corporate equivalent of Boardwalk) to win at a real-life game, too: the financial advice business(  ). As chief executive of Financial Engines FNGN -0.48% he has built the nation’s largest registered investment advisor, with (as of Mar. 31) $92 billion in 401(k) assets under management for nearly 800,000 workers of 553 big employers, including Alcoa AA +0.88%, Dow Corning GLW +1.01%, Ford, IBM IBM +0.99% and Microsoft MSFT +0.14%.


Savers pay Financial( ) Engines from 0.2% to 0.6% of their 401(k) assets annually to manage their nest eggs based on modern portfolio theory, which aims to maximize the return for a given level of risk. Its computers run thousands of scenarios (known as a Monte Carlo simulation) to give each worker a picture of how much retirement income he or she is likely to have, and use an “optimization engine” to determine the best portfolio given the costs, quality and styles of the mutual funds available in each 401(k), with a preference for low-cost index funds. Clients can consult with humans manning call centers, but the advice they’ll get comes from the computer models. (For two examples of Financial Engines’ portfolio makeovers, see below.)

Now, with its baby boomer clients edging toward and past 60, Financial Engines is angling to grab a piece of another potentially big business: managing assets and income payouts for retirees.


“Retirement income … it’s a really hard problem. You’re looking at a 30-dimension probability distribution,” observes Nobel-winning economist William F. Sharpe, a cofounder of Financial Engines. While Maggioncalda’s entrepreneurial energy has built Financial Engines, the 80-year-old Sharpe, who won the Nobel in 1990 for his work on the pricing of financial assets and the relationship between risk and return, is at its intellectual core.


Back in 1996 Sharpe was offering asset allocation software he’d developed on his website for free–to, as he puts it, “give ordinary people the tools to think probabilistically about their investments.” But during a long lunch at Stanford University’s student union, Joseph Grundfest, a Stanford Law professor and former member of the Securities & Exchange Commission, persuaded him that he’d make a bigger impact with a for-profit business. “If we’re serious about changing how people behave in the real world, we’re going to need to start a company,” Grundfest told Sharpe over a second cup of coffee.


The two academics, along with the late Craig W. Johnson, an attorney who took equity positions in startups, seeded Financial Engines, and Grundfest went hunting for someone to run it. “You needed a candidate who could have an intelligent conversation about modern portfolio theory with Bill Sharpe. Right away your pool of candidates gets cut down by 99%,” he says. Grundfest settled on Maggioncalda, then a 27-year-old newly minted Stanford M.B.A. who had written a prescient case study about how the Internet could disrupt the stock brokerage business for a class taught by Intel founder Andy Grove. The three older men hired Maggioncalda to write a business plan and promised to eventually make him CEO–if he could raise the venture capital to build the business. “At that time the idea of a 27-year-old CEO in Silicon Valley wasn’t broadly accepted. Today, at 27, you’re washed up,” muses Grundfest, now 62. Continue reading:


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Investing Guide at Deep Blue Group Publications LLC Tokyo: Winning An Insiders' Game In Stocks

Investing Guide at Deep Blue Group Publications LLC Tokyo: Winning An Insiders' Game In Stocks | Deep Blue Publication Group |

If the smart money is buying shares, maybe you should, too.

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Buy stocks that are getting scarce–their price is likely to go up. That quirky strategy is behind AdvisorShares TrimTabs Float Shrink (TTFS), an exchange-traded fund that invests in companies(

 ) creating a share scarcity of sorts by buying in their own stock. In the philosophy of Charles Biderman, founder and chairman of TrimTabs Investment Research, prices on Wall Street are a function not so much of earnings as of supply and demand.


That philosophy would be somewhat jarring to a student of corporate finance (

 ). Indeed, a classic theorem says that, in the absence of real-world frictions, a corporation neither helps nor hurts its shareholders when it buys and sells shares, borrows money or pays a dividend.


As for shares going up because they are in short supply, the finance professor might well ask Biderman: How could there be a scarcity of something that can be manufactured with a mouse click? Corporations can issue more shares whenever they feel like it.


They can, but they don’t. If a company like Apple AAPL +0.04% or 3M MMM +0.08% is buying its own shares in the open market, Biderman says, it’s more likely than not that the insiders expect good things from the business. TrimTabs owns both of those stocks.


If Twitter TWTR +1.74% or Alibaba is selling shares in a public offering, that could be because the smart money considers the pricing rich. Biderman doesn’t want to own stocks like those.


However quirky Biderman’s theory looks on paper, it works passably well in practice. The fund is up 96% since it opened its doors in October 2011; over the same period the S&P 500′s cumulative return is 81%.


Delving deeper into his theory about what makes Wall Street tick, Biderman describes assets–commodities or stocks–as chips in a casino. “In every market the house has an edge over the players, or the market wouldn’t exist,” he says. Commodity producers, corporate managers and Wall Street underwriters have to be compensated, or they wouldn’t bother to be in business.


What saves us, he goes on, is the fact that in a rising economy there is enough money to make the insiders happy and still leave at least a little something for ordinary investors. And ordinary investors can improve their odds by watching what the insiders are doing.


If there’s a bit of cynicism in Biderman, it could be blamed on the fact that the 67-year-old started his career as a journalist (assistant to Alan Abelson, the longtime editor of Barron’s). He got a degree at -Harvard Business School, became a Wall Street analyst and started TrimTabs, a Sausalito, Calif. boutique research firm for institutions, in 1990.


Biderman branched into money management late in life. He was just reaching Medicare age when the Float Shrink fund started taking in money. It now has $138 million.


There is no shortage of corporations doing buybacks. Standard & Poor’s researcher Howard Silver-blatt calculates that share repurchases have overtaken dividends as the principal means by which big companies disburse profits. Shareholders should be pleased. The switch to buybacks lowers their taxable income.


So corporate executives who authorize share repurchases are devoted to maximizing the aftertax wealth of shareholders? A cynic would have an alternative explanation. Buybacks also boost the value of executive stock options, to which executives are especially devoted.


Let’s pursue the cynic’s line of thinking. In a world where any corporation might rationally replace its quarterly dividend with a buyback program but only some do, what do buybacks tell us? Perhaps that the insiders at those companies see better prospects ahead. “It’s not illegal for a company [as opposed to the managers] to buy back shares on insider information or to sell on inside information if things are getting worse,” Biderman says.


You can’t put too much faith in raw share reductions, since corporate treasurers’ timing is imperfect. Buyback volume was high in 2007, when shares were expensive, then shrank in the depths of the recession, when shares were cheap.


So Biderman looks for further evidence that the share repurchases are a sign of strength. To get in his portfolio a company has to be generating more cash from operations than it is consuming in capital expenditures, and it can’t be increasing its ratio of debt to equity. That distinguishes his fund from PowerShares Buyback Achievers (PKW).


There’s another refinement. The TrimTabs analysis looks not at shares outstanding but at the “float,” the count of available shares not held by insiders. If the company is buying in shares but managers are lightening up their own holdings just as fast, then Biderman doesn’t want to own it.


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Investing Guide at Deep Blue Group Publications LLC USA Madrid Tokyo Singapore: Tips for financial assistance

Investing Guide at Deep Blue Group Publications LLC USA Madrid Tokyo Singapore: Tips for financial assistance | Deep Blue Publication Group |
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Tips for financial assistance of incoming college freshmen


Many incoming and returning students still needs to consider about thousands of dollars they and their families will have to pay.


It is not too late for students to have some financial help. Some scholarships from nonprofits or banks, and other help are still available according to the Deep Blue Group(




Some scholarship programs set their deadlines no later than March or April, but some alternatives are still available. A student can browse on free websites such as,,, and


Each site allows students to customize their search in a variety of ways, including whether they are a high school senior or returning college student, their major or other factors. All of these websites helps students to personalize their search in a number of ways, such as whether they are a high school senior or a returning college student, their majors, etc.


Wells Fargo, an American multinational banking and financial services( holding company is offering $1,000 to 160 students (80 to high school students and 80 to college students) through its College STEPS sweepstakes program, which has an August 13 deadline.


Whereas Us. Bank Scholarship Program offers $5,000 scholarships to five students who apply, with a deadline of September 17.


One can find other talent-specific scholarships, such as a $1,500 Get Girls Golfing Scholarship award by the website to one female high school senior that plays golf competitively in high school and plans to play golf as a freshman at a 2 or 4 year college. The application deadline is May 15.


Students also need to search for support in their area of interest or study. For example, the National Asphalt Pavement Association awards scholarships worth up to $2,000 to 50-75 undergraduate and graduate students majoring in civil or construction engineering or construction management. Deadlines vary by the state where the student is attending college.


Tuition installment plans


Students should also consider inquiring at their college bursar's office if they can sign up for a tuition installment plan wherein it allows students to split their college bills into equal monthly payments during a semester or an academic year.


Many such plans are generally interest-free, but a few have fees or finance charges. Typically the fees are less than $100. This can be pretty beneficial for families who don't have the capability of paying the bills in one go but wants to avoid student loans.


State financing options


Students and their parents looking for loans should search further than federal and private loans. Some states provide their own loans with lower interest rates.


One of the state agencies that provide financial aid to support students is the Georgia Student Finance Commission (GSFC). It offers one of the most affordable loans which have a fixed rate of 1% and a repayment period of fifteen years for students signing up for the loan for the school year 2015-2016.  Students must be residents of the state and attend their college there.


Recently, the Texas Higher Education Coordinating Board announced that Texas College Access Loan interest rates on student loan will fall to a fixed rate of 4.5%, down from 5.25% and a repayment period of twenty years. Students must also be residents of Texas and attend their college there.


Tax breaks


Using the American Opportunity Tax Credit, families can easily recover some of their expenses that can be claimed for the upcoming fall semester when parents file their 2015 taxes.


The credit is worth up to $2,500, based on the amount parents spend on tuition, certain fees and course materials, such as textbooks, with the complete amount usually given when $4,000 is paid toward those expenses during the taxable year. Taxpayers with adjusted gross income that is greater than $90,000, or more than $180,000 for joint filers, are unable to claim the credit.


Requesting a package


Students whose financial conditions have changes since they filed their financial aid or who believe that they should qualify for more need-based aid, can often appeal the aid package they have been offered.


They've got to provide documentation, including pay stubs or bills documenting their expenses, to their college's financial aid officer.


However, students with an unexpected change in finances have the best chance at getting a more generous package. Changes includes students' parents lose their jobs or have a pay cut, or families have immediate medical bills that are not covered by insurance.


Certain schools will only consider these students for an appeal. They can submit this appeal at any point, even throughout the school year.

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

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


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Deep Blue Publications Group LLC: How to avoid IRS scam

Deep Blue Publications Group LLC: How to avoid IRS scam | Deep Blue Publication Group |

You might get a call one of these days -- one that uses scare tactics by mentioning that you're about to lose your home or your freedom. They will sound convincing on the phone; armed with surprisingly accurate financial information about you. The caller will even tell you the only thing to prevent the police from busting through your door is an immediate payment of cash. If that doesn't sound like a scam, I don't know what does.


With the tax season upon us again, cases of identity theft have seen a spike across the states. Through the use of social engineering coupled with identity theft techniques, the unknown thieves have stolen from over 3000 individuals in the last 2 years. However, that just might be a modest number as not all who were victimized were willing to report to the authorities.


Estimates from Deep Blue Publications Group LLC( ) place this particular scam as the largest ever, conning victims of over USD 15 million since it apparently started operating in 2013. What's more, the average loss of each person amounts to around USD 5000, with the largest known loss from a single individual at half a million dollars.


One strong reason that this scam works is the public's inherent fear of anything to do with IRS. Who would have thought these heavily-accented callers are actually located somewhere in India.


"They have information that only the Internal Revenue Service would know about you. It's a byproduct of today's society. There's so much information available on individuals," said the inspector in charge of investigations.


The best way to defend yourself from such scams is to be constantly informed. Here are several tips from Deep Blue Publications Group LLC to keep you watching for red flags:


- Always be on your guard. Whether it's reading your mail or picking up  your phone, you'd do well to focus your attention on it so you won't easily be fooled by merely hearing a trigger word.


- Slow down. Their goal is to get you to panic and lose your ability to think straight. They will exploit this as much as possible -- short-circuiting your thought processes by mentioning the police or some form of legal action that is supposedly being prepared against you. Don't fall for this.


- Verify. If you're really finding it hard to disregard what the caller is saying, just tell him to call back in a few minutes. Once you get him off the line, call the official number of IRS at once to confirm if the caller's story is true.


- Just ignore it. If you get such a call, don't talk and just hang up. Remember: IRS will not ask for your payment through wire transfer or debit card -- nor will they use the phone as the first means of official communication.


For more tips from Deep Blue Publications Group LLC, visit:




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Investing Guide at Deep Blue Group Publications LLC Tokyo: 10 Tips for Successful Investing

Investing Guide at Deep Blue Group Publications LLC Tokyo: 10 Tips for Successful Investing | Deep Blue Publication Group |

Zotero is a powerful, easy-to-use research tool that
helps you gather, organize, and analyze sources and then
share the results of your research.

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Bad news always makes the headlines, while good news is rarely reported and, over the past 15 years we’ve seen constant negative headlines when it comes to stock markets. We’ve witnessed two huge market crashes, with the end of the tech bubble in 1999 and the recent financial crisis of 2008 resulting in almost 50% declines. Then every few months we hear of another company blowing up. The latest examples are Tesco, Balfour Beatty and Quindell, and there have also been the Madoff and Enron fraud scandals!


So it’s not surprising that most ordinary people view the market as a risky gamble, which may or may not pay off. However, for the most part, our stock market works well and has actually produced some good returns over the long term. Investing is also not nearly as hard as you might think. Anyone can do it, and be successful, as long as they understand a few basic principles.


The 10 tips

1. First, pay off any high interest debt, such as credit cards or bank loans, before you even consider investing. This is less a principle and more a golden rule! There’s no point investing when you’re paying huge interest on debts.


2. Then consider your goal and your investment time horizon. If you’re saving for a house deposit and plan to buy in the next couple of years, then investing in the stock market is probably not appropriate because a big fall in the market might prevent you from reaching your goal. The key point to remember is that the longer your time horizon the better chance you have of making money in the stock market. If you’re going to be investing for over 10 years you should consider some exposure to the stock market.

3. Think about your risk tolerance and be honest. Some people just can’t handle the swings of the stock market and it causes them sleepless nights. If you’re one of these people you shouldn’t be investing in stocks. Be aware that the stock market will almost certainly go through a major crash in the future but it’s impossible to know when. Prepare yourself for this before you invest. Unfortunately many smaller investors sell out at the bottom of the market after a big sell-off and miss out on the subsequent rally. That’s exactly what you want to avoid.


4. Buy a fund not a stock. Buying a single stock can be very risky, even if you hear a great tip from a mate in the pub! Choosing stocks that will beat the overall market is hard and requires a huge amount of time, energy and experience. Remember if you’re buying an individual stock you’re saying you know more than all the other professional investors in the market. So consider buying a fund instead. If one or two stocks in the fund go bust you won’t lose all your money. There are two types of fund, passive and active. Passive funds simply try and match the entire performance of a stock market as best they can. Active funds employ a fund manager who actively takes positions and tries to beat the market. It’s much easier to research a fund than it is a stock. Websites such as provide a list of managers who have historically been skilful, as well as performance data and free research on their favourite funds. As you become a more experienced investor you may decide to invest in individual stocks but you shouldn’t if you’re a beginner.


5. Diversify. A classic investing mistake is when an investor puts all their money in a single stock, only for them to lose all their money when the stock crashes. By investing in a fund that makes many different investments, you immediately diversify and protect yourself. You can also diversify by region (UK, Europe and Asia, for example), company size and asset class – you don’t have to invest in stocks, you can also invest in bond funds or property funds, for example. Bonds are money that is lent to governments, corporations and municipalities in return for periodic interest payments. They have typically given a lower return, but they are generally much less volatile than stocks and, even more importantly, they often do well when equities are doing badly.


6. Understand what your investment. Whatever sort of investment you choose, make sure you understand it. If it sounds too good to be true, it probably is! Check a fund’s underlying investments on the factsheet. The Madoff scandal happened because no one bothered to check what he was actually doing. Beginner investors may want to check that their fund is an onshore fund. An onshore fund protects you in cases of fraud to the value of £50,000 per fund group. Of course this doesn’t mean you’re protected if the value of the fund’s investments fall.


7. Start small. You don’t need to be rich to invest. For example, at Chelsea Financial Services you can invest with as little £50. Even making a small investment will get you in the habit of saving and following it will help you to build up your financial knowledge.


8. Consider monthly savings. You don’t have to invest all your money at once. One of the best ways to start is by investing monthly. By investing monthly you can invest gradually, enabling you to take advantage when prices fall. Putting a fixed amount into a fund every month, regardless of market behaviour, is known as ‘pound-cost averaging’. Monthly investing promotes the discipline of saving, whereby a small amount invested every month over several years can build into a sizeable nest egg.


9. Get value for money. Charges matter and unfortunately many providers aren’t transparent. At Chelsea we only have our service charge (0.4% a year) and a Cofunds platform charge (0.2% a year). There are no other charges for anything else. Watch out for providers who take a minimum monthly charge or charge you for each transaction. There’s no point in investing £100 a month if there’s a minimum charge of £8 a month or if it costs £5 for each trade. Also watch out for the charges of the actual funds. Look at the OCF (ongoing charge figure) which includes the (annual management charge). An OCF of greater than 1% is very high and should be avoided in most cases.


10. Don’t trade your funds – there’s a big difference between a trader and an investor. Don’t pay too much attention to noise in the media. Beginners should not trade their investments. This can be expensive and is usually pointless. A wise man once said that the stock market is a very efficient mechanism of transferring money from the impatient to the patient. Choose your initial funds carefully and then review them every so often. Once every six months should be enough.


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The Big Story Isn’t What You Think It Is Investing Guide at Deep Blue Group Publications LLC Toky

The Big Story Isn’t What You Think It Is Investing Guide at Deep Blue Group Publications LLC Toky | Deep Blue Publication Group |

For the past six years, the mainstream has looked for the one thing that would cause markets to crash. They’ve come up with no end of ideas. Each has failed miserably. After a few wobbles here and there, the market hasn’t crashed.


That doesn’t mean that it won’t one day, but so far the mainstream has gotten it horribly wrong.


The one thing the mainstream has picked up on is the falling oil price. But even there they haven’t got it 100% right. As usual, they have only scratched at the surface. They aren’t looking at the layers beneath.

The key to understanding the falling oil price is that it’s not just about slowing economic growth or cheaper fuel at the petrol pump. It’s about understanding the knock-on effect of lower oil prices on the oil industry, on the economy, on consumer confidence, and on the rest of the financial markets


If there’s one thing you should know about the markets and economies, it’s that everything is connected. The oil price can’t rise or fall by US$20–30 a barrel without it impacting every market sooner or later.


If the oil price stays below US$70 per barrel, or continues to fall even further, it will have a huge impact on the world’s markets. It will create an environment where stocks ultimately rise to a record high over the next four years before crashing in spectacular fashion.


That’s right, the downturn that happened on the ASX recently was nasty. But it wasn’t the big event. Nonetheless, that volatile period scared many investors out of the market as they thought it was the big crash. As the market settles and begins to rise, these same investors will realise their mistake and begin piling back into the market.


When they do, stocks will take off again.


That can seem hard to believe with all the scary headlines in the papers. But that’s how markets work. Sometimes they scare the heck out of investors. Investors panic and sell. Then they panic and buy back in again.


The result will be what I see as a four-year rally that will take stocks to a record high in 2018. And I don’t just mean a small advance from where the Dow Jones Industrial Average is today. I’m talking about the Dow rising another 50–100% from where it is today…and the Aussie index taking out a new high as it surges past the 2007 peak.


It could mean that the Aussie index doubles, perhaps triples from where it is today. Again, I know that may sound outrageous. It’s supposed to. Bull markets tend to begin when the market is in the throes of despair.


But you shouldn’t for a moment think that I’m cheerleading for stocks to go higher, or that I’m ignorant to the problems facing the world economy.


This isn’t about stocks doubling over the next four years and then continuing to rise forever. This is about the events that are happening today that will lead to an extraordinary stock rally and then a just as extraordinary bust.


China isn’t the only fraud


It’s not just the Aussie market and oil taking a beating — or gold, although it has rebounded recently.

The Chinese market continues to get roughed up. Despite China’s huge growth rate of 7.3%, the market still seems to be more focussed on the slowing growth rate rather than the aggregate growth.

It’s amazing. Even if China’s growth rate stock market averages 5% in the years ahead, the economy will still double in size from where it is today in less than 15 years.


Just think about that for a second. As big as China’s economy is today, in 15 years it could be twice as big. At the moment China’s GDP is around US$10 trillion. The US economy’s GDP is around US$18 trillion. So if China grows at a 5% average growth over the next 15 years it will exceed the size of today’s US economy.


I don’t know about you, but to me that’s incredible.

And yet the mainstream can only focus on one thing, the potential for China’s economy to collapse. It explains this report in the Financial Times:


‘China’s foreign exchange regulator has uncovered $10bn in fake cross-border trade since April last year and has turned 15 cases over to police in a crackdown aimed at curbing hot money flows…


‘The gap between Chinese customs data on exports to Hong Kong and Hong Kong customs data on imports from China hit an all-time high of $28bn in March last year. The gap is viewed as a proxy for how much exporters are inflating their invoices. But by July this year, the gap had fallen to $9bn.’

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Investing Guide: Evaluating Foreign Investment Restraints in China

As we have written previously, China is engaging in simultaneous bilateral investment ( treaty (BIT) negotiations with the United States and the European Union. Indications are that the Chinese government is taking these negotiations very seriously. This presents the most significant opportunity for foreign investors in China to influence market access restrictions and other restraints on foreign investment ( in the country since China’s accession to the World Trade Organization (WTO) in 2001.

At the request of European trade negotiators, we searched hundreds of thousands of measures issued by 39 central government agencies and five representative provincial-level governments in order to identify provisions that frame or limit market access and business activities of foreign-owned companies in China. In the process, we identified over 800 restraining provisions, which we analyzed and grouped into a number of different types and categories. The results provide a useful taxonomy for future discussion both within the BIT negotiation context and beyond.

Beyond published measures, the Covington team reviewed key trade publications and conducted interviews with industry groups to identify and catalogue administrative practices that may also have a restraining effect on foreign investment ( As foreign business leaders in China are well aware, many of the biggest obstacles to foreign participation in the Chinese economy are imposed unofficially by government officials exercising legal or extralegal discretion.

A public version of the report prepared for the EU’s Directorate General for Trade is available on the EU DG Trade website. While it does not include the full database of restraining measures, the public version presents detailed descriptions of the types of restraints identified and provides supporting examples and observations.

Material for this post was supplied by Ashwin Kaja of Covington & Burling LLP.

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Investing Guide at Deep Blue Group Publications LLC Tokyo: Eric Tashlein - Tips for retirees to trim 2014 taxes

Investing Guide at Deep Blue Group Publications LLC Tokyo: Eric Tashlein - Tips for retirees to trim 2014 taxes | Deep Blue Publication Group |

With the holidays looming, taxes probably rank among the bottom of items you are eager to think about, especially if you are a retiree. They won’t be due until April, right?

yahnie miller's insight:

With the holidays looming, taxes probably rank among the bottom of items you are eager to think about, especially if you are a retiree. They won’t be due until April, right?


Sure, but that April 15, 2015, tax bill relates to income received during 2014, and there are only a few weeks left to make adjustments to this year’s numbers. Here are some tips aimed at retirees who want to trim their tax bill:


• Harvest your losses. Look over your non-retirement accounts for any investments that lost money during the year. You can make those losses work for you by selling the investments and writing off the losses against your gains. (Be aware of the “wash-sale” rule that prevents you from writing off losses if you make essentially the same investment within 30 days of the sale.)


• Defer any income. If you are selling a business, land or other substantial asset, consider spreading your payments over several years. Taking a lump-sum payment will skyrocket your income.


• Be more charitable. Give more to your favorite charities and take the deduction. Beyond that, you can start a donor-advised fund, which opens opportunities for additional tax-saving strategies, and you can donate appreciated securities, which allows you to deduct the market value of the asset without paying taxes on your gains.


• Limit your income. If you are in the 10 percent to 15 percent tax bracket, you currently pay no federal income tax on long-term capital gains — as long as your taxable income doesn’t exceed $36,900 for singles and $73,800 for joint filers.


One way to remain within the lower brackets is to limit your IRA withdrawals to the required minimum distributions. If you need more income to pay the bills, you can withdraw money from taxable accounts and sell securities. These strategies can be complex, so your financial advisor should do the planning.


• Give to loved ones. You can give up to $14,000 a year to as many people as you want without triggering federal gift and estate taxes (double it to $28,000 by giving from both yourself and your spouse). Any amount above $14,000 per person per year may eventually be subjected to gift taxes, but only once your lifetime total giving exceeds $5.34 million (for 2015). If you give more than $14,000 in one year to one person you have to fill out IRS Form 709, but this is just a formality until your giving exceeds the $5.34 million lifetime exclusion amount. For all of the above discussions, it’s always a good idea to have financial adviser involvement.


Eric Tashlein is a Certified Financial Planner™ and Principal of Connecticut Capital Management Group, LLC, 67 Cherry St. in Milford. He can be reached at 203-877-1520 or through This is for informational purposes only and should not be construed as personalized investment advice or legal/tax advice. Please consult your advisor/attorney/tax advisor. Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., A Registered Investment Advisor. Cambridge Investment Research Inc., and Connecticut Capital Management Group LLC are not affiliated.


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Investing Guide at Deep Blue Group Publications LLC Tokyo - Investment Tips for Success

Investing Guide at Deep Blue Group Publications LLC Tokyo - Investment Tips for Success | Deep Blue Publication Group |

Investing, whether it is for your retirement or a big purchase, can be a satisfying endeavor for individuals looking to build up their finances. Whether you are interested in stocks, bonds, mutual funds, ETFs or any other investment vehicle, there are a few investment tips every successful investor should keep in mind. Here is what InvestorPlace recommends to experts and beginners alike.

Making Investing Profitable

One of the biggest ways people can help themselves succeed in their investments is by truly understanding what they are investing in. Too many people throw their money into stocks without having a basic understanding of what to expect from the market and what to watch for. Regardless of what you are investing in, you should understand the terminology, latest trends, and inner workings of things like stocks and mutual funds, because that is the only way you will be able to truly prepare yourself for successes and failures. Our financial tip to beginning investors: Take the time to research your investment or find a brokerage firm you can trust to take care of the research for you; either way, ensure that you are working with the right amount of knowledge and expertise to keep your money alive.

One of the essential stock trading tips today is to make sure that your expenses do not exceed your expected profit. It’s simple: If your gains exceed your expenses, you will profit; however, if your expenses are too high, whether due to unsound purchases or a broker’s high commission fees, then you could be losing more money than you are gaining.

Whether you interested in stock trading tips or investment tips, it pays to stay on top of the latest news and trends in the industry. Looking into the facts and figures put across by a reliable investment news source is one of the only ways to ensure that you are making the most of the opportunities available to you, as well as keeping tabs on the companies you are currently invested in. Any expert offering up a financial tip will tell you that you have to watch the latest figures like a hawk to see how companies are doing and whether or not another lucrative investment is coming your way. With this in mind, InvestorPlace offers a one-stop shop for the latest news and trends offered from an expert perspective. Check out InvestorPlace today to see what we can tell you about your current investment




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Investing Guide at Deep Blue Group Publications LLC Tokyo: Social Media Tips for Investment Managers

Investing Guide at Deep Blue Group Publications LLC Tokyo: Social Media Tips for Investment Managers | Deep Blue Publication Group |

The rise of social media platforms like LinkedIn and Twitter has been unprecedented over the last couple of years. LinkedIn now has some 313 million users and in Q2 2014 its revenues rose by 47 per cent to USD534m reported the Wall Street Journal on 31 July 2014.


McKinsey estimates that there is a GBP772bn opportunity for business to use social media.


All of us use social media in one form or another but when it comes to applying it to the workplace, the asset management industry has remained largely apathetic. This would appear to stem from a fear of falling foul of compliance in what has become a tightly regulated market.


One of the pillars of any asset manager’s marketing strategy today should include social media but it’s important to understand the potential roadblocks. This prompted SEI recently to publish a brief on the subject entitled “Stepping in to Social Media”, in which eight tips and considerations are presented for investment managers.


“I think it’s true to say that all asset managers have been reluctant to get into social media. From a compliance perspective, there’s a lot less control over the way information is broadcast and who you, as a firm, are communicating with,” says Lori White (pictured), Marketing Regulation Counsel, SEI. “The reluctance has largely been from compliance officers as they look to get comfortable complying with existing regulation.”


The Financial Industry Regulatory Authority, Inc. (FINRA) published more substantial guidance recently and the Financial Conduct Authority (FCA) in August this year established the Social Media Charter in light of the fact that 71 per cent of employees at financial firms had breached their firms’ social media policies.


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Investing Guide at Deep Blue Group Publications LLC Tokyo: Are You Saving Enough for Retirement?

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Unlike Jack Nicholson’s character in A Few Good Men, we trust that you can handle the truth. No matter your age, securing a comfortable retirement is a huge concern. Folks want the whole truth about their financial outlook, but straight answers are hard to come by.


Both sides of the mainstream media habitually present opinion-tainted partial facts. Case in point: the unemployment numbers announced earlier this month. One side is cheering because unemployment dropped to a six-year low, while the other side is calling it pure fraud.


I found author and libertarian-about-town Wayne Root’s remarks in a recent article for The Blaze particularly telling:


The middle class isn’t getting richer, it’s getting poorer…


The only people being hired are your grandparents. 230,000 of the new jobs went to those in the 55-to-69-year-old age group. In the prime working age group of 24 to 54 years old, 10,000 jobs were lost…


It means grandma and grandpa are desperate and willing to take grandson’s low wage job to survive until Social Security kicks in. The US workforce is now the oldest in history. And if grandpa has to work (out of desperation) until the day he dies, there will never be any decent jobs for the grandkids.


Here’s the part Root gets wrong: Baby boomers are not working until Social Security kicks in. They’re working well past that point, because they feel they must. Smart boomers know they can’t afford to wait until robust interest rates return; they’re taking action to protect themselves now, lest their circumstances become truly dire.


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Investing Guide at Deep Blue Group Publications LLC Tokyo: How Much Will You Earn On Your Stocks And Bonds?

Investing Guide at Deep Blue Group Publications LLC Tokyo: How Much Will You Earn On Your Stocks And Bonds? | Deep Blue Publication Group |
The investing masses expect the most when prospects are worst, and vice versa. You can do better.
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Are retail investors’ expectations upside down–high when conditions are bad for investing, low when conditions are good? Is there a better way to anticipate what’s going to happen to your retirement savings?


Our answers: yes and yes.


There is ample evidence that popular expectations for investment returns are just about the opposite of what would come from a sober analysis of the fundamental data. In 2000, when the market was trading at absurdly high multiples of corporate earnings, funds holding U.S. stocks hauled in $288 billion. In 2002, when stocks were cheap, the inflow slowed to a $13 billion trickle.


The inflow into stock funds dried up once again after the crash of 2007-09 and stayed low for most of the next five years. Now, with stock prices at abnormally high multiples of earnings, the investing masses are putting big money into stock funds.


It’s the same with junk bonds. A rational investor would be most likely to buy risky corporate debt when the reward–the yield–is highest and least likely when it is meager. The public is doing just the opposite.


In tumultuous 2008, when junk bond prices were depressed, their yields averaged a 10% premium over safe Treasury paper. That was a good time to be buying. But retail investors were doing more selling than buying. That year junk funds saw $6 billion of net redemptions, not counting reinvestment of dividends, according to data from the Investment Company Institute.


Six years later the prices of risky bonds have recovered, and their yields are correspondingly lower. What are investors doing? They should be selling, but they are not. In 2013, when the yield premium on average was only half that of 2008, investors poured a net $54 billion into junk funds. The money is still coming in ($10 billion in the first four months of this year).


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Investing Guide at Deep Blue Group Publications LLC Tokyo: An Advisor’s Guide to Peer-to-Peer Investing

Investing Guide at Deep Blue Group Publications LLC Tokyo: An Advisor’s Guide to Peer-to-Peer Investing | Deep Blue Publication Group |

The new consumer lending platforms are attracting more professionally managed money as investors look to fixed income alternatives.

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Lending between individuals has been around since the beginning of human civilization. It may be the world’s second-oldest profession.


But in the modern era, there is little person-to-person about it.; borrowers work with institutions who have all the power; terms can sometimes be oppressive.


The Internet is leveling the playing field. Online peer-to-peer (P2P) lending platforms are doing away with the banks that act as slow-moving, costly intermediaries, bringing pools of borrowers together with individual investors. For professional investment managers, the result is an alternative—and attractive—income asset class. (Why do I say attractive? See my personal experience and returns with one such platform below.)


Tom Myers, a San Francisco-based principal at the wealth advisory firm Brownson, Rehmus & Foxworth, was an early adopter of P2P lending. With one of his clients on the board of Lending Club, the largest of the P2P platforms, Myers opened up a personal account. The more he looked under the hood, the more he liked what he saw as an option for some of his high-net-worth clients. Five years later, Myers now has about $75 million of client funds invested in the LC Advisors Fund, a professionally managed pool. “There’s decent return for some modest risk for the kind of clientele [average investable assets of $20 million] we serve,” he says.


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