Jeff Henriquez Business Tips » Business Investment http://www.jeffhenriquez.com Business Tips and Financial Advice from Jeff Henriquez Wed, 18 Jan 2012 16:59:29 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Buffers for Various Types of Equity Investments http://www.jeffhenriquez.com/buffers-for-various-types-of-equity-investments.htm http://www.jeffhenriquez.com/buffers-for-various-types-of-equity-investments.htm#comments Sat, 19 Mar 2011 10:00:41 +0000 Hector Barbera http://www.jeffhenriquez.com/?p=565 Tips for Sales

Buffers for various types of equity investments

For equity is a direct connection with the duration of the liabilities is not possible. Estimating the duration of a share (or a stock portfolio) requires assumptions such that the outcome of such an accounting exercise is not useful. In this connection writes for equity investments, investments in foreign currencies, investments in commodities (raw materials) and investments other than loans to governments (so-called “credits”) are separate buffers for power. These buffers should be added to the obligations, and will thus be borne by the surplus.

For a (composition of the portfolio) average Dutch pension fund, these requirements for capital buffers result in a funding requirement of approximately 130%.

It is noted that the exact extent of the required capital buffer depends on the investment, in combination with the composition of the obligations of the relevant pension fund. A Dutch pension fund decides not to invest in foreign currencies will therefore no capital buffer required to hold. With a “mature” pension (a pension fund with mostly older members, of whom a large proportion already receiving a pension), the shorter duration of the liabilities, so that the mentioned “duration mismatch” is smaller. The required capital buffer will be smaller.

The ability to calculate the buffer used formula (in the segment known as the “square root formula) may be adjusted by with respect to the parameters.

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]]> http://www.jeffhenriquez.com/buffers-for-various-types-of-equity-investments.htm/feed 0 Choosing The Right Stock Broker http://www.jeffhenriquez.com/choosing-the-right-stock-broker.htm http://www.jeffhenriquez.com/choosing-the-right-stock-broker.htm#comments Sat, 12 Feb 2011 03:13:41 +0000 Anna Rezi http://www.jeffhenriquez.com/?p=527

One of the best decisions you can make when expanding your investment portfolio, is to put the thought in commodity trading. There are many people who want to manage a commodity investment for you, but you must choose carefully as most lose!

On the commodity broker is a middleman who speak many different principals (sellers, producers, consumers of goods) in the hope he will get a “reservation” to buy or sell goods. He takes a commission from the transaction which is deducted from the seller’s account.

Part of the value of a good commodity broker is that he provides not only information about prices and appointments, but the snippets of gossip about who does what – and why. Traders are always focused on the supply and demand aspects of physical goods as the trade and as well as the larger macroeconomic picture, so it is important to consider what other competitors do it in the market. Some brokers are offering a variety of value-added services to provide not only price information – but with lots of ideas – on the economic background, current and future price trends, etc. Whether brokers are futures brokers or deal with physical transactions, the tendency has been for many of them to become principals. Traders may be wary of the information provided by brokers, especially if they feel it has been influenced by the broker’s own relationship to another position taker – either in his own group, or elsewhere. But since firms are largely wants to commission as a way to make money for the company – and his own commission, this can be somewhat churlish position to take. Nevertheless, brokers play a key role in boosting price transparency together with international and domestic commodity exchanges.

Let’s stoop to take a look at what kind of commodity brokers to avoid:

- Mediator with hypothetical track records

These commodity brokers simply shooting performance status graph that looks great in retrospect, and very often broken in real-time trading partners.

- Leaders who say they are real time track record but no audit

Not only will you have a track record verified, you will have a statement that the account you are investing in are representative of all funds under management.

- Draw Down

Watch out for very unstable performance, the greater the drawdown the greater the risk of ruin. Generally, look for broker that has a smooth equity curve. Look for the drawdown of around 30% max.

- Conflict of interest

Check your broker does not earn a percentage of sales charges, so this sets up a conflict of interest. They can deal with the Commission, rather than profits. Try and get the brokers who have the confidence to be paid on performance only.

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]]> http://www.jeffhenriquez.com/choosing-the-right-stock-broker.htm/feed 0 Money Management: An Important Aspect of Trading Part 2 http://www.jeffhenriquez.com/money-management-an-important-aspect-of-trading-part-2.htm http://www.jeffhenriquez.com/money-management-an-important-aspect-of-trading-part-2.htm#comments Mon, 07 Feb 2011 04:41:21 +0000 Anna Rezi http://www.jeffhenriquez.com/?p=500 How to reduce the risk of wipeout

These may be extreme examples, but the bottom line is that events often happen when you least expect them. You should treat your trading account in contrast to all other investments, and when you do this, there are three things you can do:

1. Accept that sometimes there will be an extreme case, so if the worst that can normally happen is a 30% decline in profit warning, or a corresponding increase in a bid overnight, work out how much that will affect equity.

2. Do not feel that by buying five blue chips equal amounts, you have diversified the risk – if they are highly correlated ie high beta stocks, or they are all tech stocks, so it is virtually the same risk as buying five times the amount in a stock.

3. If equity is falling, and statistically you can expect a run of eight or more losses in a row more than once during a typical trading life keep it smaller before you start winning again.

How much should you risk on each trade?

From experience, if you aim to lose an absolute maximum of 5% of account equity on a trade, and combine a wide range of industries in different asset classes with long and short positions, so you should have at least 20 attempts before it is time to give up.

So if you have to put a stop loss on a volatile share which is greater than normal, and simply reduce the trade size for that part so that the maximum loss is not higher than usual. Furthermore, if you run into a number of losers, if you continue to reduce position size, the losses will be slower.

Finally, all industries should be treated the same way, and if you do not feel that any trade looks as good as others on the list, you can not do it. The talk is that you must take every trade that fits your entry criteria, whether you won or lost recently. The whole point is that a good disciplined system works only when all sectors are taken with equal amounts using realistic targets, stops and money management.

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]]> http://www.jeffhenriquez.com/money-management-an-important-aspect-of-trading-part-2.htm/feed 0 Money Management: An Important Aspect of Trading Part 1 http://www.jeffhenriquez.com/money-management-an-important-aspect-of-trading-part-1.htm http://www.jeffhenriquez.com/money-management-an-important-aspect-of-trading-part-1.htm#comments Sat, 05 Feb 2011 03:32:29 +0000 Anna Rezi http://www.jeffhenriquez.com/?p=499 Money Management: An important aspect of Trading Many dealers believe that the obvious way to make money is just to have more winners than losers, but this is too easy, and what often trips up the unwary player is a lack of money and attention to risk. Clearly indicate the positions correctly and where to place stop losses of great significance, but one that is rarely examined because it is very complex is money, and the reason is probably quite simple.

Some trades or investments appeal to different people, and who is to know what the overall financial position is before giving them the right advice on what amount to trade or invest. Furthermore, it is very easy for an investor to confuse a trade with an investment in shares, or make a long-term purchase but with one eye on a quick buck. For these reasons, money management rules must be followed for each trade.

A typical experience

One of the experiences many of the great traders have in common is that they blew a fortune early, just because they had no conception of money management. A typical story was that they had traded well, running a sum of say $ 10,000 to $ 15,000 in six months, and they began to think that because they had a good trading system, they would have done better by leveraging up super fast profit. In some cases they simply doubled up trading positions, but ran into a series of losses. As they do not reduce trading size accordingly account equity was wiped out and they ended up actually due to money in a few days – it was fast.

That they probably were not limiting risk with stop losses, but in some cases the share or commodity gapped up or down, and just a great trading position was all it took to blow away months of hard work.

Extreme events and problems they can cause

One of the more sensational aspects of trading, the frequency of extreme events, but these are just statistical anomalies that occur with random regularity (forgive the lapse into chaos theory, but it is important). There have been instances of a doubling of a share price overnight – this occurred with Psion twice in 1999. At the other extreme, there was a decrease of 70% on a day with Marconi on 21 March 2002, where they opened at 92.5p (adjusted for share consolidation), and the next day hit 27.5p. At the time, both the FTSE 350 shares at the time, and not small companies.

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]]> http://www.jeffhenriquez.com/money-management-an-important-aspect-of-trading-part-1.htm/feed 0 10 Tips Required to Read A Poposed Investment IV http://www.jeffhenriquez.com/10-tips-required-to-read-a-poposed-investment-iv.htm http://www.jeffhenriquez.com/10-tips-required-to-read-a-poposed-investment-iv.htm#comments Thu, 23 Dec 2010 05:00:06 +0000 Cathilin Albern http://www.jeffhenriquez.com/?p=353 investment

9 .- How long have you been in business?

Another essential aspect to know is if people have already done this business before and just if you have a long way. Is not the same risk that a proposal at the first time someone made that a person experienced in the subject.

This touches on the previous point, and as mentioned, is another variable that influences the degree of risk that every business has

10 .- What results have you had before?

If the person has made a wide path or businesses or projects like that is important to know the results prior to the investor to know that people are expecting an ideal, or even may need help dealing with the business in the best possible way.

C) Content and armed proposals

Something that develops over time, is a way to “filter” or rather label a proposal. Here we are talking about the presentation was obviously depends very much where we communicate our proposal, but in order to expose just how growth can present a proposal basically, until something more advanced.

The things mentioned here should have them or yes, but again here I am talking about the way it is presented a proposal.

1) Basic Presentation

A – Brief description of the idea or the project’s Executive Summary
B – Level of risk of the proposal
C – Methodology for investment (Socio capitalist inward parts, seed capital, etc.).
D – Amount to invest
E – Return on Investment
F – Securities and other securities to investors. (Even the inverter output methodology)

2) Full presentation

A – Brief description of the idea or the project’s Executive Summary
B – Level of risk of the proposal
C – Methodology for investment (Socio capitalist inward parts, seed capital, etc.)
D – Amount to invest
E – Return on Investment
F – Securities and other securities to investors
G – Cash flow
H – Financial projections
I – NPV and IRR of the project
J – Profile of the entrepreneur and data
K – Documents and relevant annexes (Market research, feasibility and feasibility studies, etc)

3) Optimal presentation

A – complete business plan. (In the case of venture or project)
B – Financial Plan or full investment.
C-Notes and Annexes.

I hope that with this guide to learn not only the entrepreneurs to present investment proposals to get investors (whether through social networks, virtual communities, forums, etc.) but also that investors have a picture of those things that must take into account and ask the entrepreneur to invest in your project.

As you see, do not talk about confidential information or present a risk to the project by commenting on private matters, but is rather the communication part of the process of attracting investors. So those proposals that can not communicate these things (which I repeat … NOT confidential) should be approached with eyes wide open.

Credit to: Mariano Cabrera Lanfranconi

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]]> http://www.jeffhenriquez.com/10-tips-required-to-read-a-poposed-investment-iv.htm/feed 0 10 Tips Required to Read A Poposed Investment III http://www.jeffhenriquez.com/10-tips-required-to-read-a-poposed-investment-iii.htm http://www.jeffhenriquez.com/10-tips-required-to-read-a-poposed-investment-iii.htm#comments Thu, 16 Dec 2010 05:00:26 +0000 Cathilin Albern http://www.jeffhenriquez.com/?p=352 investment

5 .- What guarantees or insurance gives the investor?

At this point it should be clear all the papers such as contracts, guarantees and insurance to be granted to the investor which show the seriousness of the project. The information to be submitted at this point is from the type of contract that will be generated between the parties, as well as all those aspects that offered the proposal to grant as security for added safety and comfort of the investor.

Remember, this goes hand in hand the type of proposal will, in some projects can otrogan a percentage of society, in others there may be a personal as well garatía in other promissory note or contract by mutual agreement; Finally, there are many possibilities to suit various types of proposals and obviously must be considered and advised the investor just because they affect the decision.

Why do you influence? There are certain guarantees or insurance in case something happens with more or less complex to claim, that is part of the risk. And any investment … has a degree of risk.

6 .- What is investment risk?

Beyond the data that the investor can look through information that is provided, a fundamental aspect to be submitted by anyone who offers a proposal are all those variables that can be considered at risk for the investor. When we talk about risk we refer to all situations or conditions that may occur (or even present) and that could jeopardize the project and therefore the capital or issued by the investors.

It really bothers me when filing a proposal said to have “zero risk.” The risk is everywhere, there is no way to escape it, or Donald Trump, and Robert Kiyosaki, and Warren Buffet can escape it. Yes you can siminuir or increase the degree of the same and can be divided into 2 variables. On the one hand the risk by the lack of experience and knowledge of the investor (that it is personal) and on the other hand the risk that a project represents.

So remember, if you want to submit a proposal to mention the risk, and NEVER say their proposal has “zero risk.” And if investors and read that a proposal has “zero risk” open their eyes, this entrepreneur probably did their homework or proposal may have “something weird.”

7 .- How to enter and leave the investor’s business?

The investor will know in advance how to enter a proposal, this includes all the papers mentioned above, such type of contract but must also know how to get out of the proposal. This refers to the conditions to be provided to the investor to recover their money plus interest and wholly disconnected from the proposal.

In some projects, such as entrepreneurship, can be mentioned that after a certain period the entrepreneur can buy (finance) the party with the investor and thus it leaves the proposal. In another type of proposal such as loans, you can specify the time and form of payment that investors will recover their money plus interest.

8 .- Who carries out the proposal?

It is important to know the person who will be carrying out the project (whether or not the author of the item) is therefore essential to have a brief presentation of this person for the safety of investors.

There is no worse mistake in a proposal that does not talk about the entrepreneur or the person carrying out the proposal. Even it is important to mention a little previous experience in these matters.

This is important, but not bad to fail, because every failure you learn something new. Two proposals as well, but one where the emprendor failed 5 times and one where the empredor had 5 hits, talks a lot and says a lot of other possible risk to consider.

Credit to: Mariano Cabrera Lanfranconi

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]]> http://www.jeffhenriquez.com/10-tips-required-to-read-a-poposed-investment-iii.htm/feed 0 10 Tips Required to Read A Poposed Investment II http://www.jeffhenriquez.com/10-tips-required-to-read-a-poposed-investment-ii.htm http://www.jeffhenriquez.com/10-tips-required-to-read-a-poposed-investment-ii.htm#comments Thu, 09 Dec 2010 05:00:21 +0000 Cathilin Albern http://www.jeffhenriquez.com/?p=351 Investment

B) What aspects should include minimally an investment proposal?

Below are some questions that must be present in any presentation of an investment proposal and are just 10 basic questions that generate interest among investors and as mentioned above streamline the process, leaving other details for future reference :

1 .- How much capital is needed?

Every project must submit the requested amount is needed to carry out the undertaking, business or investment.

This fact is important because it is also just a filter and helps both parties. It would be a shame to have used much time and effort talking about our proposal and then see the ivnersores not reach the amount necessary to cover the same, are 1, 2 or 100 investors.

From the perspective of the investor, this also serves to automatically discard or not the proposal. If I know I have $ 10,000 to invest, I’m going to put in a proposal to request $ 20,000 minimum.

2 .- How or what they will use that capital?

Investors using this information will achieve not only know the specific purpose for their money, but also how to use it. This is useful even for those experienced in the business investors to analyze whether the proposal is well under way and details are correct.

This is an important fact, many times I’ve seen commenting on proposals that received support from investors (eg amteria contacts) and were able to reduce project costs.

On the other hand, the more you explain this point, the greater the confidence that investors will generate.

For example, it is not a loan, that request money for a startup (a company in birth), or for working capital, where the entrepreneur has a secure job, but has no financial back to take them all.

3 .- What are you looking for? A venture partner, the contribution of several investors, etc..?

Many proposals have different ways of participation for the investor. At the time of providing any investment is to be communicated to the type of investment that is how well the type of investor.

As an example, proposals have the potential number of investors (inward) and others not, thanks to this information filtering investors are going for those that fit the investment profile required to achieve an interest in the proposal.

If from the start is advised to search a single investor, the proposal again is filtered and only the people who has the total capital will be interested. It also happens that many times an entrepreneur calls for a large amount if not clear you can invest in shares-shares (contributions of many investors) it loses interest because people think you are looking for a single investor for the total of money requested .

4 .- What return on investment (ROI) have estimated? (Where possible monthly and / or annual)

Another fundamental aspect to consider when an investment proposal is the return of the same, usually referred to as ROI (Return Of Investment) or RSI (ROI). With this information investors may see the level of interest has the proposal and make its calculations and see if they participate or not in the same

Added to this is this ideal that any proposal other than the calculations of NPV (Net Present Value) and IRR (Internal Rate of Return) for the investor to have a further analysis of the proposal.

There are less data, but data often do not publish them. You have to understand that these 3 data (ROI, NPV and IRR) do not say anything about the project that may be confidential. On the contrary, I consider one of the most important, they say nothing confidential project, but very few investors not mention it.

Credit to: Mariano Cabrera Lanfranconi

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]]> http://www.jeffhenriquez.com/10-tips-required-to-read-a-poposed-investment-ii.htm/feed 0 10 Tips Required to Read A Poposed Investment I http://www.jeffhenriquez.com/10-tips-required-to-read-a-poposed-investment-i.htm http://www.jeffhenriquez.com/10-tips-required-to-read-a-poposed-investment-i.htm#comments Thu, 02 Dec 2010 05:00:12 +0000 Cathilin Albern http://www.jeffhenriquez.com/?p=350 investment

I really went crazy with the title of this article Why? It’s simple … phone on one side I’ll then copy (with annotations) is posted to the Community of Empresores.com (and I wrote a while ago) and most importantly, he has 2 goals. On the one hand help entrepreneurs to develop or rather to present its proposal for an attractive investment for investors, but on the other side to help investors understand the basic questions you should know before putting money into a project.

Yes, I ask a favor. I have seen many sites, blogs and journals Financial Intelligence copy content, no bad copy content, but it is important to respect the copyright. This guide was produced with the experience and after 4 years of being in touch with entrepreneurs and investors, so remember to cite the author and the blog for ethical.

Finally I would remind you that this guide is the exclusive property of the Commonwealth of Empresores.com 100% and was developed for use by members of this community

So as in the last article I promised, here are this guide to learn how to submit proposals or to know what basics should consider:

A) What is the point this guide?

Any investment project that is looking for investors, shall have the following basic information in order to generate interest among investors and greater dynamics in financing a project. On the other hand, this guide is for investors who are just starting to have a base of basic things that should have before making a decision and I explain the benefits of providing or requesting this information.

* It allows investors to quickly filter a proposal to avoid wasting time doing basic queries or by contacting the person in charge of the project this way is a small base that automatically makes an investor decide whether or not further out on subject.

* The proposal offers not waste time answering individual investors, but it just streamlines the process more complicated, leaving the details or rather the final details, precisely, for last.

* Demonstrate professionalism and transparency by the person offering a proposal. Today I see internet forums and even social networks proposals which do not address business right from the start as is correct. That just gives a very bad image of the entrepreneur, and plays many drawbacks.

* Streamline the process to obtain the optimal capital, secure, transparent and as soon as possible, and as I said earlier, leave the details more complicated or that merit further explanation for the final

Credit to: Mariano Cabrera Lanfranconi

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]]> http://www.jeffhenriquez.com/10-tips-required-to-read-a-poposed-investment-i.htm/feed 0 Tips for Being Rich Part 02 http://www.jeffhenriquez.com/tips-for-being-rich-part-02.htm http://www.jeffhenriquez.com/tips-for-being-rich-part-02.htm#comments Tue, 30 Nov 2010 03:13:07 +0000 astrid http://www.jeffhenriquez.com/?p=323 Using other people’s money
Using other people’s money means to borrow money to start or expand business or purchase investment and make more money than it costs money that is borrowed.

Only using the money of others may become rich, the reason for them is that it is usual that we have a limited money and that money is very difficult to invest in something big.

An example of using other people’s money can make when in real estate, instead of trying to pay cash, the ideal would be to borrow from the bank, and make our renter who pays.

Compress time
Our time is limited, and with the little time we have is very difficult to become rich, unless compressed time, ie we use it in the most efficient way possible, for example:

* Not work for money but for time: do not change our time for money but to have more time available for it, namely make our money work for us.
* Do not want to do everything for it, learn to use the work of others.
* No learning, preparing, or analyzing too much information, rather than spend time doing this, use the work of others and / or spend more time acting.
* Do not waste time on things that divert us from our main objective, which is to be rich, from time to time make a list of things to do and see how we are wasting our time.

Do not work hard
It may seem contradictory, but other requirements to become rich is to avoid hard work.

May initially need to work hard, but over time it is necessary to avoid working too much, and rather to create systems and make our money and other people working for us.

Before you work hard, we work smart and take time to make contacts, to form teams to think of new ideas, to seek new opportunities and exploit them.

Even take a day off to think about where we are and where we go, that day may help us in our goal to be rich rather than several days of work followed, as well as allowing return to work refreshed and invigorated.

The same to take time off to us or our family, to make it in the end avoid running or suffering from both work and return to work with more clarity and energy.

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]]> http://www.jeffhenriquez.com/tips-for-being-rich-part-02.htm/feed 0 Motivate your Employees http://www.jeffhenriquez.com/motivate-your-employees.htm http://www.jeffhenriquez.com/motivate-your-employees.htm#comments Fri, 23 Apr 2010 12:12:47 +0000 astrid http://www.jeffhenriquez.com/?p=54 Motivate Your employee

To begin the process of motivating and retaining employees, you should find a hole in your schedule to meet with them daily and weekly.

He thinks that though it appears you do not have the time, is an investment. The meeting, organize your work and improve communication will save time and money later.

Create a weekly meeting, especially to be told how the news and the issues they face. Causes of conversations between your employees before you, in order to detect any resistance or conflict between them and then to investigate what happened.

This is you adopt the role of leader-trainers.

Daily attendance was also the first thing in the morning, that govern their daily work.

The meeting allows your employees to give their opinions, and the cause of space (to evaluate the comments) in order to find solutions.

Improve communication with your employees.

It is also important that you are very aware of what happens all the time with them.

It would be better that you also meet from time to time, even once a month personally with every employee to achieve personal things that are not compatible and does not discuss in a group with others, or embarrassed.

Click to get involved, showing their interest to make them see that their ideas are important for you. Congratulate them their ideas, but then not carried out by other circumstances and always tells them a reason to not draw the wrong conclusions to them, or feel less valued. Motívales to give their opinions and contribute their ideas. Worried about your employees personally and also to show him.

Formal rigor.

Motivate your employees without causing toxic strength.

I suggest you create common incentives. Incentives that do not create competition between them, but conducive to working together. The objective here is that it creates competition among employees, because this is not good. And almost always the first hurt by the strength like this, your business.

How many times will no longer give the wrong message to let other students? end, and all of which hurt the company. It is therefore important to not encourage individualism.

Worry about them individually, but as a group incentivalos. Premial if it’s all about goals.

Follow the strategy with your employees and you will see increased productivity, better the environment, and your employees will be involved in your business as if it belonged to them.

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