Is possible to obtain a business idea of a program or a business magazine?

It is unlikely that a business idea is anything you see in a magazine or see on CNBC. I suppose it could happen, but not very likely.

Consider this

All business ideas or solve a problem or meet a need. See the world around you. Do you see a problem? Are your friends complaining about something? Finding answers to these simple questions can give you an idea of ​​what could be the beginning of a new business.


Now, have a business idea will not suffice. Most start-ups, not really, something like 90% fail within the first 5 years. Also need to learn to run a business. And the most important skill you must learn is to sell. Because without paying customers without money and without money (and profit), business is not.

A business is a passion

But more than that, you have to have the passion to be in business for himself. The real key is you have to do something that is absolutely, positively love! Words of warning, never, never, do or provide something you like and then try to sell it. People either need something or want something. It is best to fill a need that you have researched. Many small entrepreneurs that I know, myself included, work all day and think they're having fun. Working 80 hours a week is nothing. Owning a small business is hard work but great!

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How to find good insurance companies for health insurance in US?

insurance companies

Would have to understand their definition of "good." The best plan usually means the most comprehensive coverage, but some people that means the cheapest and for others it means a plan that has the coverage they need. Policies cheap usually means that the limited benefits, which may be acceptable, provided that you are aware of these limitations.


Would have to know your height and weight, because insurance companies refuse to accept it or you can increase your premium based on their weight.


Would have to know what your current health status is because insurance companies refuse to accept it or increase your premium based on your current health status.


Would have to know its location, since insurance companies do not write policies in each state.


Would have to know your age, since some policies are only available in a certain age.

Consider this

In other words, talk with a local agent who works with all major insurance companies in your area. The agent can help you find the best plan for your situation and budget. Can you explain what you get and, more importantly, so do not get the "cheap" policies. There is no extra charge using an agent.

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Investment advice to invest in bonds or stocks in the US.?

You should invest in both

Bonds spinning contractually obligated, therefore, with the exception of credit risk, by default: the company can go under, the benefits are defined and established. The shares are likely to change, there is the possibility of loss reserves, but in general, companies exist to make money so long as the business is strong, shareholder value can be appreciated, however, the return is uncertain, may much, can be null or may even be a loss.

Volatility Pumping

This means that there are two asset classes with different probabilities and outcomes. Therefore you can take advantage of volatility in stock prices of portfolio rebalancing between farms in both stocks and bonds. This is known as volatility pumping and Shannon is the basis of Demon or the method of Shannon. Whenever there is a market slowdown, media interview someone like Warren Buffett and ask what you can do about personal finance that the answer always is to rebalance the portfolio.

Modern Theory

Modern portfolio theory, initiated by Markowitz and the efficient frontier, says that a portfolio of stocks and bonds from 25% to 75% will have less risk, less than a bond portfolio of 100% and yet he give better performance. It also says that a portfolio of about 50/50 has the same risk as a bond portfolio of 100%, but a much better. The profitability and the risk increases as a portfolio allocation is increased by over 50% of values, but with the return of the decline in the marginal return marginal risk ratio flattens and approaches zero so you can take excessive risk if the portfolio allocation is more than 50% of shares.

About the portfolio

Ben Graham called for a portfolio of 45% equities and 55% bonds, however, if you are making regular monthly contributions to your portfolio, you can consider contributing cash flow as a kind of bond and therefore justify increased allocation of values, however, the potential future contributions are an asset not so marginalized by the current liquidity limited so that a portfolio of equities 100% although potentially justifiable from an early age due to the amount of contributions yet to be made can not take advantage of an extreme crisis of the markets as we live, because the rate of adjustment is limited to dollar cost averaging contributions.

Consider this

The ratings refer to the risk of default and is largely meaningless for a country like the U.S.. However, as he had never been to the U.S. before, there was much speculation as to how much the cost of borrowing would increase for companies throughout the economy. The feds have largely denied the speculation by promising to keep the federal funds rate between 0% and 0.25%, until mid-2013 it is expected that the additional $ 100 million per year cost lending has not materialized but companies are still Gun Shy, preferring to sit on cash then the risk of business projects.

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