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Home > > 0 percent interest american express

0 percent interest american express

Take a look at your investment portfolio if you have any. What does it consist of? What are the elements, mainly stock, options, bonds, commodities or mutual funds? And, how can you tell whether it is balanced?An investment portfolio should be spread, like the saying preaches; donít put all your eggs in one basket.

But for different people this means different things. First you must be aware of your risk profile. If you like to take more risks, the 0 percent interest american express investments in your portfolio could be less diverse. You might concentrate more on one particular instrument (option, stock). Still, you may take more risks than necessary. A mutual fund investor could spread its portfolio with only a few investment funds. The active trader could spread its investments over a short (trading) period.The first thing we learn from this is that a so-called balanced portfolio is relative to the profile of the investor. Less untrue is the fact that in the investment game, there appear to be rules that are universal. If you have only some experience you know that you should Ďneverí build-up in one day your complete portfolio, but rather buy parts over time.Then you have your portfolio. Now how do you know if it is balanced? There are more ways of checking this. One way is very simple and helpful. Again you need to check your preferences. We all know our preferences, but they are not that explicitly communicated. If you are a single, stand-alone investor you do not need to share your preferences with others. It is about your portfolio and you are free to make your moves. This changes when you are managing a team (of investors).Then the question. What is more difficult to manage? Something you favour or something you are not eagerly doing?With this answer you 0 percent american interest express can check -- the balance of -- your portfolio. If you are only following the easy part and leaving the difficult decisions for what they are, you know youíve got a problem.© 2006 Hans Bool2

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DID YOU KNOW?

The 12b-1 fee is the obscurely-named outrage that dings investors in mutual funds so that management can market the fund. In 1980, the mutual fund industry successfully lobbied the SEC to allow this fee with the justification that a larger fund lowers the expenses for everybody. In theory, the logic is right when you take into account the same expenses being spread over a larger pool of assets. However, there are several problems with this thinking:

1) A larger fund does not necessarily become easier to manage. Over the last 25 years, multi-billion dollar mutual funds have become the norm. When I worked for Fidelity in the early 1990's, the largest fund in the world at the time, the famous Fidelity Magellan, was around $25 billion. Even then, concerns had set in that it had become too large to outperform the market. Since then, Magellan's size has been a deterrent. Like a large barge, meaningful changes in its trajectory take too long to implement. Of the funds with in excess of $5 billion, most of them track the S&P 500 minus their outsize fees because that is all they can do. Yet, even these large funds continue to charge the 12b-1 fee.

2) Certainly, if a fund is closed to new investors (which makes the fund easier to manage), the existing shareholders should be relieved of the 12b-1 fee. But, as of November 2003, when the House introduced HR 2420, 139 closed funds still levied the fee. The funds are charging a marketing expense for funds that no longer accept new investors. Huh? Like crack cocaine, fund management firms just became addicted to the stream of poorly disclosed fund fees.

3) A fund is able to call itself "no load" as long as the 12b-1 fee is 25 basis points (.25%) or lower, although many funds charge the max-allowable 100 basis points.

In practice, the 12b-1 fee is partially shared with advisers who tout the funds, and the rest is gravy to the fund firm. They do not disclose this fee as part of their management fee, and even obscure the fee in their overall expense ratio.

Two thirds of mutual funds charge this fee, and I would bet that few investors know about it. HR 2420, introduced by congressman Mike Castle of Delaware, sought to ban this fee for closed funds only, and even that was stalled in the Senate, despite broad bi-partisan support and backing from the white house.

The world has got so many cultures and colours. It has so much to offer. However, it is not possible to know it through a magazine, internet, or through your television. To see the world in its true colour and shades, you need to travel extensively. And, going for a holiday would be the best way to do it. But, Alas! Most of our pockets canít afford to pay for an expensive affair like holidays. Adding to it, you donít have the required savings to pay for your holiday. So, you are disheartened! Arenít you! But, you donít have to be!

There are Holiday Loans which are specifically packaged to meet your holiday expenses. Holiday Loans are made easy and undoubtedly adjustable to the need of every loan borrower. Holiday Loans can be both secured as well as unsecured. A Secured Holiday Loan requires collateral, whereas an Unsecured Holiday Loans are offered without any collateral. It has been observed by the experts that the increasing rates of property repossession by the lenders have made Unsecured Holiday Loans a much preferred option than Secured Holiday Loans. Unlike Secured Holiday Loans, in Unsecured Holiday Loans borrowers are not required to offer any collateral against the loan. An Unsecured Holiday Loan will help you to go to the place, you have always in mind.

An Unsecured Holiday Loan is generally short term in nature. Holiday loans amount start from as low as £3000 and go as high as £25,000. Holiday Loans usages are not restricted for holiday purposes only. You can make use of an Unsecured Holiday Loans for reasons, other than holidays also.

Unsecured Holiday Loans are highly available and easy to venture. In this wide web world there is a specially crafted loan for every requirement and every person. You can access an Unsecured Personal Loan, even if you have a bad credit history. Yes, you heard it right! Your not having a good credit history doesnít restrict you from availing Unsecured Holiday Loans. You can visit your dream place with an Unsecured Holiday Loan, even if you have a bad credit history.

However, like any other type of loan, an Unsecured Holiday Loan has also got its own share of pitfalls. The major one being, the rate of interest charged in an Unsecured Holiday Loan is comparatively higher than secured ones.

When applying for an Unsecured Loan, make sure that you are settling for the best deal. Compare rates and terms of various lenders. The comparison will help you avail the Unsecured Holiday Loan that speaks to your requirements and circumstances.










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