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Tips on How to invest

An investment is when you buy an asset or an item and having the hope that the thing bought will generate money and income or will have a greater value in the future. In another words, economically, an investment is when you purchase goods that will not be consumed the moment you buy them, but will used in the future in order to create wealth. Keep on reading so we can give you some tips and tricks on how to smartly invest today.

You have to Know Why you are investing

 There are too many reasons why investors today do what they do; they can be investing for capital protection, returns, risk diversification, capital appreciation, pure safety, or hedging.

Stay away from DIY Investing

In fact, you have to be alert when it comes to investing. The act requires you to be alert about the state of your investments and needs active participation from your side; a thing that not many people can achieve.

                                                                                                   

Not Actually Investing

Investing is when you buy something for a long-term revenue. Do not expect that you will get returns in the short term. This mistake most people do, and end up trading in the short term. This is when investment is lost, and it turns to trading and speculating.

Tips about stock

Do not take any tips from someone who is not in the place of giving you advice. However, make sure that you don’t invest without doing your own research.

 Ask the Right Questions

These questions are too important. Why should you invest in the stock? Is it the right thing to invest? Do you know enough about the company that you are investing in? These questions are forgotten when some people invest for the first time.

Sometimes, things look cheap, but they are not

Judge the true value of a stock by how much it will get you in return.

Starting a company? How to deal with banks

Carmencitta Magazine - Starting a new company - 1

 

Whenever you ask about banking and bankers, all you will hear about is some negative answers telling you not to deal with this bank nor to deal with that bank. In fact, nobody ever looks forward to dealing with banks, even though we all have to, at some point of our lives. In fact, if you get to know the right way to deal with a bank, you can totally be fine! Moreover, if you want to grow that little company of yours, you will need some money, especially if you are low on capital. Here are some tips that we have gathered for you on how to deal with banks.

Grow a relationship with a bank

Carmencitta-Magazine-Starting-a-new-company-2If you are planning to be in business, you will eventually need a relationship with a bank. Even if you are busy and focused on other things, but when times come and you will need a letter of credit, a credit, a bank draft, or any silly paper, you are going to wish that you grew a relationship with a banker that you can call. Moreover, choose a local bank to make it easier for you when preparing the paper works.

Think before you borrow money

Carmencitta-Magazine-Starting-a-new-company-3

The main reason why you are borrowing money is so you can support your company while waiting for good customers to pay up. You will feel relieved when you think that in a month or two you will get the money back from a customer you are sure will pay. However, do not rush, this is a risky thing, and you need to think before you jump in.

All banks are not the same

Do not fall in the trap of thinking that larger banks are better that smaller ones. In fact, the government gives all of them the same rules as well as the same supervising. Choose the one that you think fits most with your needs.

 

9 Famous Logos that Have a Hidden Meaning

Here are 9 contemporary examples of company logos and the meanings behind them:

1. Amazon

The arrow which appears like a smiley face in the Amazon’s logo is not the only meaning. It is also a way to represent the wide array of retail items, from A to Z.

2. Apple

The Apple logo is inspired from the story of Adam and Eve in the Bible. The bitten apple illustrates the fruit from the “Tree of Knowledge”.

3. Google

Ever notice how the Google logo has four primary colors in a row? This is intentional. Google wanted to show that they don’t play by the rule. To do that, they just used simple letters and colors.

4. FedEx

It is not easy to detect what could be hidden within the logo of FedEx. But when you look closely at the space between the ‘E’ and ‘X’ in the orange part, you will notice an arrow pointing forward. This arrow represents moving forward toward to the future.

5. IBM

The logo of IBM has a hidden message hidden in the big blue corporate logo. The white lines passing through look like the equal sign in the lower right corner, in order to represent equality.

6. Audi

Many people wonder what the 4 circles in the Audi logo could possibly mean. In fact, they represent the 4 companies that were a part of the Auto-Union Consortium in 1932, namely, DKW, Horch, Wanderer and Audi.

7. Pepsi

In 2008, Pepsi spent $1 million to pay Arnell Associates to come up with the new logo. According to Arnell’s document, the Pepsi logo draws on Feng shui, the Renaissance, the Earth’s Geodynamo, the theory of relativity, the universe, and more.

8. BMW

BMW’s logo is a tribute to the company’s history in aviation. The blue part represents the sky to imply the company’s role of building aircraft engines during World War II.

9. Mercedes-Benz

Mercedes’ tri-star symbolizes the company’s dominance over land, sea and air.

A Guide on How to Buy Shares

Carmencitta magazine - How to Buy Shares

In order to become a trader, you will need to take your time because there are a variety of factors that can affect you. In fact, the most required thing is patience is required, however, the benefits that you will be getting due to your patience are worth it. Moreover, there are some steps that you need to follow in order to become a trader and buy shares. Keep on reading if you want to find out what the steps are.

Know the basics

Carmencitta magazine - How to Buy Shares 1

Basics are very important, because without them, you won’t be able to do anything. Before starting anything, you need to acquire a certain basic knowledge about shares and the stock market. In fact, if you start without this basic knowledge, you will reach a place where it is impossible to know what you’re doing.

Carmencitta magazine - How to Buy Shares 2Open a practice account

Opening a practice account will help you understand the concept of buying and selling shares in the stock market. In fact, this account will help you experiment with strategies without even losing any of your money! Moreover, by having a practice account, you will get used to technical analysis.

Carmencitta magazine - How to Buy Shares 3Subscribe to a news site

When you subscribe to a news site, you will receive news before, after, and during a market day. In fact, knowing the news, will help you understand what economic factors influence the direction of the stock market. Moreover, the most important part is the morning report, because it is able to predict whether the market will start up or down, which will enable you to make better trading decisions.

Carmencitta magazine - How to Buy Shares 3jpgEducate yourself

In fact, this is the most important step. When you pay for a course, you will have a huge commitment to becoming a trader, a commitment that you need to take if you’re serious about making substantial money from the stock market.

 

How to invest in REITs

Carmencitta-Magazine-How-to-invest-in-REITs-1.

A Real Estate Investment Trust, or for abbreviation, a REIT, consists if a company that owns or/and finances real estate that produces income. Modeled after mutual funds, REITs has the ability to provide investors of all types with a regular income stream, as well as diversification and long-term capital appreciation. Are you considering investing in REITs? Keep on reading as we guide you through the best steps to do that.

Determine if REITs are right for you

 

 Carmencitta Magazine - How to invest in REITs 2A REIT consists of a share of stock that exists in a real estate venture. Moreover, its role is to put the money of the investors in order to buy, sell, develop, and manage properties. In fact, the law orders that the trusts need to have more than 100 investors, which means that, by putting a small amount of money, you can be investing in a very expensive property. This means that if you want to invest in real estate without the risk or initial investment of more traditional forms of property investment, an REIT is your best option.

The different types of REITs

 

 REITs are classified in multiple ways, it depends on the assets or geographical areas that they invest in. this is why, before you purchase one, you need to know the investments that it is involved in and consider the coming performance of those markets. Moreover, the first type is invest in big real estate properties and distribute earned rent or profits to investors. The second one, mortgage invest in mortgages by loaning out money or by buying existing mortgages. These funds are more sensitive to interest rate changes. Last, invest in both mortgages and properties.

Carmencitta Magazine - How to invest in REITs 3

Purchase shares of REITs

 

You can buy and sell REITs on public exchanges. However, you can also buy mutual funds as well as traded as part of Exchange Traded Funds (ETFs). All of these investment vehicles can be bought and traded by contacting your stockbroker or investment professional, or by using an online trading platform.

 

The Hong Kong and Shanghai Banking Corporation

In 1991, The Hong Kong and Shanghai Banking Corporation, based in London, established a new group holding company. They called this new foundation: HSBC Holdings plc. Today, this multinational banking and financial services company with total assets of US$ 2.67 trillion, is ranked number 4 in the “world’s largest banks by total assets”. This Bank’s first branch was made in 1865, in Hong Kong, Shanghai. This is where HSBC initials come from:  Hongkong and Shanghai Banking Corporation.

Locations

Hongkong and Shanghai Banking Corporation has about 6,000 offices divided into 71 countries. These countries are located in North America, Asia, Oceania, Africa, Europe, and South America. Furthermore, HSBC has over 60 million costumers which made it 2014’s world’s sixth largest public company.

Services

HSBC’s services are divided into 9 categories:

First, Consumer banking. HSBC gives its services by a bank to individual costumers rather than companies and groups.

Second, Corporate banking. A commercial bank that has to do with loans and deposits.

Third service, Investment banking. It helps people and governments raise their financial Capital.

In addition, Mortgage Loans services. They provide people with money to buy property by making some legal securities that allow them to put hands on one of your already owned properties.

Furthermore, the Private Banking services. Assistance given to people with a high net worth.

Next, we have the Wealth Management services. They help you and advise you on how to manage your wealth, taxes, and all the other legal papers.

Moreover, HSBC offers the Credit Cards services. HSBC gives you a card that allows you to pay for goods by promising that you will pay them back.

Finally, Finance and Insurance services. An economic service given by the finance industry which covers a big number of businesses that manage money.

Ill fame

Recently, HSBC has been known for being famous for the wrong reasons, such as, laundering money for Mexican cartels.

 

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