News & live essence

by: Fei Wang



Responding to the growth and increasing global influence of Asian markets and economy, www.InvestorIdeas.com now provides content and research resources in Chinese language.

POINT ROBERTS, Wash., November 11, 2005 - www.InvestorIdeas.com, a leading global investor and industry news and research resource portal announces that in response to the growing global influence of Asian financial markets, InvestorIdeas? research resources, original articles, and due diligence content will be available in Chinese language translations. The large scale growth of China痴 economy is exerting a direct and increasing influence over global markets, and therefore is of great interest to both corporations and investors. In addition, China痴 population constitutes one fifth of the world痴 population ? providing native language content to such a large demographic ensures a greater and more efficient distribution of critical market information.

InvestorIdeas.com continues to expand its content and services to meet the internet's "search? evolution of how investors and industry track information and trends. InvestorIdeas.com umbrella of industry specific portals includes Blogs, RSS news feeds, investor conferences and online forums, audio interviews and exclusive articles, in addition to well known freelance writers. Sectors covered include Homeland Security, Energy, Renewable Energy, Nanotechnology, Gaming, China, India and a diverse group of leading sectors relevant to today's trends, representing long term growth opportunities.

China-AsiaStocks.com is an investor and industry news portal for the China-Asia sector. The China-AsiaStocks.com website does not make recommendations, but offers a unique free information portal to research news, exclusive articles, interviews, investor conferences and a growing list of participating public companies in this sector.

Click here to read this release in Chinese: http://www.china-asiastocks.com/CAS/News/announce.asp

China-AsiaStocks.com Portal translated in Chinese: http://www.China-AsiaStocks.com/CAS/

About InvestorIdeas.com www.InvestorIdeas.com

InvestorIdeas.com does not make stock recommendations, but offers a unique suite of informational portals for investors and industry to research specific industry sectors including homeland security, renewable energy, nanotechnology, RFID, wireless and other industry sectors representing long term growth.

Featured companies gain investor and industry visibility through our diverse online media programs including audio interviews, online conferences, industry news releases, articles, RSS Feeds and Blogs. (InvestorIdeas is compensated by these companies. Please read our Disclaimer.)

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The Insiders Corner with Michael Brush
Read the exclusive InvestorIdeas.com Feature 典he Insiders Corner,? a weekly feature by well-known financial writer and author Michael Brush. http://investorideas.com/insiderscorner/

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InvestorIdeas.com free "Investor Incite" Newsletter consists of company and industry updates, investment research and developing trends in key areas such as Homeland Security, Renewable Energy, Nanotechnology and more.

TO SIGN UP, click here: www.InvestorIdeas.com/Resources/Newsletter.asp

SOURCE: InvestorIdeas.com (TM Pending)

Investorideas.com Disclaimer: www.InvestorIdeas.com/About/Disclaimer.asp. Our sites do not make recommendations, but offer information portals to research news, articles, stock lists and recent research. Nothing on our sites should be construed as an offer or solicitation to buy or sell products or securities. We attempt to research thoroughly, but we offer no guarantees as to the accuracy of information presented. All information relating to featured companies is sourced from public documents and/ or the company and is not the opinion of our web sites.

For more information contact:

Dawn Van Zant: 800-665-0411 - dvanzant@investorideas.com

Ann Marie Fleming: afleming@investorideas.com

Fei Wang: fwang@investorideas.com



About the author:
China-AsiaStocks.com is an investor and industry news portal for the China-Asia sector. The China-AsiaStocks.com website does not make recommendations, but offers a unique free information portal to research news, exclusive articles, interviews, investor conferences and a growing list of participating public companies in this sector.



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by: Tony Puckerin
Again

Car prices today compete with small houses and well-equipped
mobile homes. As these price increases become more accepted by
consumers, so too are the longer terms that are necessary to fit
them into cost of living budgets. At one point, the magic payment
amount for the retail automobile market was $200 per month. But
that payment would only satisfy a loan of approximately $8000-
10000 depending on interest rates.



The average car payment today is closer to $400 per month and
that's with financial institutions stretching the terms to 72-84
and 120 months. Something has gone terribly wrong in the psyche of
consumers to even imagine that an automobile will not become
obsolete before it is all paid up, 6, 7 or 10 years down the road.



All they really need to do is take a look at a vehicle sold in
1995, 1997 or 1999, to get a live preview of what their new car
will look like and potentially what it will be worth.
Interestingly, research indicates that most Americans get bored
with a car after driving it for 24-36 months. Why then
would the typical financing term be 72-120 months?



At the point of purchase, most consumers tend to forget that car
payments never include the cost of insurance, required maintenance
and gas. When these items are added to a car payment, it can
easily exceed what some people are paying in mortgages.



It's analogous to the Middle Eastern people like Iranians whose
culture practices beating themselves on the back with chains and
whips. Every month, millions of Americans face the self-inflicted
pain of making another car payment. Like the Iranians, they
believe that if they can do it, it must be good and it will
somehow make them better people in the hereafter.



A self-made millionaire, Dr. Cooper, an advocate for reversing
unnecessary consumer debt has come up with a simple plan to change
how we think of automobile ownership. His plan uses the same
philosophy that our grand fathers grew up with, i.e. never buy
anything that you cannot afford to pay for out of your own pocket.



Unfortunately, if we lived by those rules we would need traffic
lights and zebra crossings on our major highways because they
would be packed with pedestrians.


Well let's share Dr. Cooper's plan. He calls it the "Vehicle
Saving Fund". This is a basic commercial bank savings
account that can be started at any local bank. To make it more
meaningful to you, lets call it the "Freedom From Car
Payment Fund." Anyone can start such a fund; it does not
matter if they are currently financing a vehicle.



The idea is that if you intend to be a productive member of
society and enjoy the benefits of your labor you will need to have
personal transportation. This is not optional for most people who
do not live in a big city where public transportation is
available. The fund should be considered absolutely necessary,
much like the rent or mortgage, it's a living expense.



Here is how it works; if you are currently driving a financed
vehicle, resolve to pay it off in its normal term. It's hard to
keep making payment on a vehicle you do not like but that's where
the discipline becomes important. Also, resolve to put aside a
small amount every month to your "Freedom From Car
Payment" account. Initially, it is totally understandable
that it may be a little difficult but the amount is not important,
it's the habit and the psychology of doing it that makes all the
difference. You can start with as little as $5-$10-$25 just be
committed to doing it every month until it becomes a habit.


You will also have to make a decision to continue driving the
vehicle you are currently paying, this plan does not work if you
decide that you need a new vehicle before paying off the one you
are driving. The closer you are to your end of term, the better
position you will be in to get what you want. But there is no
rush, when you pay it off you should then begin to put the amount
of your previous payment into your vehicle fund. Now with the
equity in your current vehicle and your savings you can begin
shopping.


Considering the prices of automobiles today, there is a high
probability that because of your vehicle depreciation and the
small savings, you might not have enough money to buy a new
vehicle. If you do not have enough to purchase what you want,
there are always other options; the first is to buy what you can
afford. The alternative (worst-case scenario) is facing the dealer
with no savings and having negative equity in the vehicle you are
currently driving.


Strange concept, I know, but when its all said and done,
transportation is transportation, it gets you from point A to
point B. The only difference is what you are willing to pay to get
there. For many, because of the values they hold "whatever
it takes" is an appropriate answer but the mind set has to
now change to discipline and the desire to stop making lifetime
payments.



If you don't have a car right now and are enjoying the bliss of
not having a financial obligation to an automobile, you can begin
your savings immediately so that when the time comes you will have
a sizable chunk to begin your search for your new car. You are in
a very good position if you are not in the market presently
looking for a vehicle.


You have the time to save and plan for your next automobile. Begin
the "Freedom From Car Payments Fund" today and in a
couple of years you will really be much better off. Contrary to
what dealers try to make you believe, car ownership does require
long term planning in order to break the cycle of swapping
payments every 3-4 years. It is a long term serious investment.


It's that simple. Easy, no but simple, and it can be done. It
requires discipline and patience two characteristics that are not
easily harnessed in by the now generation. The obvious benefit is
no car payment but you will also save on insurance and have much
more disposable income for other necessities. With determination,
a little vision and planning anyone can drive exactly what they
want; without the burden of a monthly payment. Could that be you?




About the author:
Tony Puckerin is an Automobile Broker in Southern Florida who represents clients
at local automobile dealerships. His service has recently expanded to Internet
and cover the United States and a few select international clients. For more information
go to http://www.automobilenetmarketing.com


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First of all you need to decide whether you are going to keep your accounting records manually, that is using pen and paper, or whether you are going to computerize the process.
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So, should you choose an accounting software package? Yes if:


by: Jakki Francis
If you池e anything like me then you dislike with a vengeance doing your accounts and taxes.

So how can you make this process easier, less painful and cut your accountancy fees?


Click Here for more articles

If you decide that computerizing the process is the way to go then you need to decide whether to buy an accounting software package, for example Sage or Quicken, or whether a spreadsheet, such as Microsoft Excel will suit your needs better.

As a general rule if you are a cash business that just needs to record income and expenditure then you are better off using a spreadsheet.
Well buying an accounting software package is one way.


ｷ You have customers to whom you extend credit and you buy goods in the same way
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by: Dr. Scott Brown, Ph.D.
Una de las muchas formas de perder dinero en fondos mutuos no basados en ?ndices es la trampa de los impuestos. ｡Podr?a tener que pagar impuestos hasta cuando su fondo mutuo pierde dinero! Para muchas personas esto se convierte en algo dolorosamente inesperado. As? es como sucede este comportamiento contra-intuitivo.

Si el administrador del fondo vende una acci?n por m疽 de lo que le cost? comprarla, se genera una ganancia. A esta ganancia se le llama ganancia de capital y es tributable a impuestos. Las ganancias de capital son grabadas con una tasa de impuestos com?n, que est? entre el 28% y el 38.6% para la mayor?a de los inversionistas si el fondo mantuvo la acci?n por menos de un a?o. Si la acci?n se mantuvo por m疽 de un a?o, en otras palabras a largo plazo, el impuesto es del 20%. Aunque por ley, los fondos mutuos no pagan impuestos, estos cargos se los pasan a usted, el accionista del fondo mutuo.

Hay un par de razones por la que los fondos mutuos pagan impuestos. Si el fondo tiene un bajo rendimiento los inversionistas se marchar疣. Los fondos mutuos tienen que vender acciones para pagar a los inversionistas que se marchan. Aunque usted no sea uno de los inversionistas que salta del barco, de todas formas tendr? que pagar su porci?n de los impuestos de las ganancias capitales.

Los dividendos son otra raz?n por la que hay impuestos. Los dividendos son grabados en la distribuci?n de ganancia por acci?n que las compa??as obtienen de sus ganancias trimestrales. Muchos inversionistas les piden a sus fondos mutuos que autom疸icamente reinviertan sus dividendos. Esto quiere decir que el fondo utiliza el dinero para comprar m疽 acciones en su nombre. Aunque reinvierta y nunca vea ni un centavo de sus dividendos, estos est疣 sujetos a impuestos, de acuerdo con Hacienda (el IRS).

Otra raz?n por la que quiz疽 le llegue un recibo de impuestos se debe a una alta tasa de rotaci?n. La rotaci?n mide la frecuencia con la que un administrador compra y vende acciones, algunas veces en la b?squeda de la pr?xima acci?n de alto vuelo o acciones de bajo monto al borde de despegar. De acuerdo con Lipper (analistas de fondos mutuos), el fondo promedio en el 2000 mostr? una tasa de rotaci?n del 122%. Esto significa que la cartera entera cambi? entre enero y diciembre, y 22% de las acciones de reemplazo cambiaron tambi駭.

｡Esta es la forma m疽 com?n de timar a la gente! Simplemente tiene que entender que cuando invierte en un fondo est? comprando un impuesto a las ganancias. La mejor manera de evitar algunos de estos impuestos es restringir sus compras de fondos mutuos a su plan de jubilaci?n 401 (k) y tratar de comprar solo fondos mutuos basados en ?ndices como lo es Vanguard 500 (VFINX).

About the author:
SOBRE EL AUTOR: El Dr. Brown puede ense?arle c?mo invertir por medio de su compa??a El Instituto de Riqueza Delano Max (The Delano Max Wealth Institute http://www.caminoalaabundancia.com ). Suscr?base gratis a nuestra revista electr?nica de consejos financieros en http://www.abundanciafinanciera.com


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by: Catherine Franz

Imagine this, a co-worker enters your office and says: "Cathy, could I talk with you for a minute? I'm having a real problem with...." You glance at your watch and think of the report that痴 due in an hour. What do you do?

What would happen if you were Cathy痴 supervisor?

Let痴 continue. You're cooking dinner, starting to destress, the food preparation timing is coming together-- for once--and your mother calls: "Could we talk? It痴important. I need someone to talk to?" What do you say?

What we would like to say and what we end up doing is usually two different things. Good news, tactfully saying no is a learned skill. It requires know-how and practice. Let痴 talk about ten how-tos and alternatives that can help you practice.

Tip 1: There are three parts to meshing a "no, but not no" response. The first part acknowledges and empathizes. The second part gives a situation statement. In the third, and last, part is an action statement.

An example of an empathy or acknowledgment statement: "Sam, I'm sure this problem is important."

Next, add the second part, a situation statement. For instance: "I'm working on a report that I promised to have completed within the next hour."

The third part, an action statement, needs to describe what you will do or offer as an alternative: "Let痴 get together after I've completed my report. How about 2 PM this afternoon in your office?"

Instead of saying no directly, you have said no without saying no.

Tip 2: What if it痴 your supervisor interrupting you? What do you do? Here痴 how to mesh the three parts into a no, without any further interruption, and into a win for both.

Sandy, your supervisor enters, "Lisa, I hate to interrupt you, but we have a real problem in the field, I need to talk with you right away. Could I see you in my office?"

First, the acknowledgment statement: "Sandy, I'm sure this is an important problem." Second, the situation segment: "I'm working on that report you requested by noon." Third, adding the action: "Would you like me to defer the report until 3 PM [its imperative to offer an exact time] so we can meet now? Or would you like me to complete this and then come to your office?" This response allows your supervisor to see your perspective and situation and to make a decision.

Tip 3: Discouraging professional interrupters. These professionals make a career out of interrupting. They start talking and don't stop. They go on and on and when they finally stop to catch a breath, and you get to say something, they interrupt a few minutes later. How do you handle these?

Movement is the key. If cornered behind your desk, stand up, and move. If you are already standing up, begin walking out. If sitting down, stand up. You can also change momentum by dropping something or turning sideways. Reach for something that has nothing to do with the conversation or excuse yourself to the restroom.

Interrupt in the same manner they use with you. It痴 okay, they do it because it appears normal to them even if it feels brash to you. Here are a few template statements: "Where is this leading?" "What痴 your point, I've gotten lost in what I think is the trivia?" "You have jumped around so much on topics, I don't know which one to address."

It痴 important to practice patience throughout this process. Professional interrupters don't usually hear you the first few times you ask your question. If need be, become a broken record. Continue to ask again until they do hear you. Identify what is it about their communication style or interruption process that annoys you. Provide this feedback and communicate your preferred style of being interrupted in a positive manner.

Tip 4: What about the few that don't get your hints or listen to what you are saying? Sometimes they even follow you down the hall or talk "at" you instead of "with" you? This is a rude interrupter. Be firm, direct, and abrupt. If they appear to be bruised, don't let it bother you. They will not take what you said personally even if they say so. Their "taken-aback" expression is just for show. Actually, it is a form of manipulation. Don't play and don't apologize.

If they persist go ahead and give them an ultimatum: "You rudely interrupt me. I've tolerated this in the past; however, it has to stop NOW." When they finally realize you are not playing their game, they will stop. They will either totally avoid you in the future or return with respect. Generally, they will return with a new awareness about themselves. When they do, accept their apology. But don't count on it. And if they don't return, you haven't lost anything.

Tip 5: If you can, keep doing what you are doing. Look up, smile, point to a notepad and pen, and then return to what you were doing.

Tip 6: Sometimes the position of your furniture invites interruptions. Especially if your office is beautifully designed, or contains natural ingredients, like plants. Others want to be around this energy. It痴 attractive. It痴 renewing to them as much as it is to you. There痴 only one suggestion when this occurs. Suggest that they change their office to reflect a similar energy. Afterwards, they will not want to leave their office as easily.

Tip 7: If you frequently get trapped behind your desk. Plan and practice various escape routes and methods. Again, consider rearranging the furniture to allow for escape routes.

Tip 8: Discourage squatters. If your interruptions are due to people consistently coming in and just sitting and talking, remove any empty chairs. Place them outside your office so they are available when needed but not too close to the door that they can easily be dragged in when someone enters.

Tip 9: Do people wait for you to get off a phone call? Place a sign on the desk: "If I'm on a phone call, please leave me a note. I'll check back with you as soon as I'm off the phone."

An alternative: Train others in a silent hand code. Use your fingers to indicate how long you are going to be. One index finger explains that you will be off the phone in a minute or two, please stay. Full hand with a wave says, "I don't know how long and I'll get back to you." This silent code allows you to continue your focus, acknowledges them, and also allows them to make a decision on their time.

Tip 10: Many of these ways for handling interruptions at work can also apply at home. Here is one that transfers well.

Name a "personal spot." An area you can call your own. It can be a den, sewing room, shed, or an extra bedroom. This means this spot makes you off limits to interruptions. If you have children, explain to them what interruption means, why you need some personal space, and give them the same opportunity and courtesy.

Purchase a clock sign at the office supply store -- the same type retailer痴 use on their front doors -- to indicate what time you will be available again. Or you could add a white board so they can write their note. Like college students use on their dorm room doors. A magnetic board would work well for younger or smaller children. Create magnets for each family member that they can move to a spot already written: "Bobby wants you."

The Other Side Of The Coin

The other side of this perspective is using interruptions to boost productivity. People sometimes use interruptions to push themselves into overdrive. This helps some people while it disrupts others. This habit gets them to move past their own procrastination habits to complete their tasks. This need can also be an addictive behavior sometimes disguised as "workaholicism."

(c) Copyright, Catherine Franz. All rights reserved.


About the Author : Catherine Franz, a eight-year Certified Professional Coach, Graduate of Coach University, Mastery University, editor of three ezines, columnist, author of thousands of articles website: http://www.abundancecenter.com blog: http://abundance.blogs.com
Source: www.isnare.com


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