2006-04-03T11:37:00.000-07:00

INTERNET BUSINESSES | BEWARE THE BUYER ( Mutual Funds )..The 80/20 Rule is alive and well in Internet business that you
may chose to join. In factthe Rule is probably more like
90/10. Only 10 percent of those who register with an business at
any given stage will be active ayear hence.

The reasons are not too hard to find and some main ones are
provided below. These are not necessarily mutually exclusive or
comprehensive. They are based on the observation and personal
experience of the author. In addition the author provides you
with alist of the questions or statements that you MUST answer
before you commit to an Internet business. It is abig
undertaking even though the investment may not appear large.
Like any new business it should not be entered into lightly.

Problem Areas

These are some of the main areas which are the roots of the
problems. Undoubtedly there are others.

1. INCOMPATIBILITY between you and the business. Consider the
nature of the workthe commitmentthe productthe other
associates 2. YOUR FINANCES. Inadequate startup funds;
inadequate cash flowunexpected expenses 3. FALSE ADVERTISING
BY COMPANY . Exaggerated claims of financial rewards; Failure to
provide full picture of benefits and expenses. 4. YOUR
KNOWLEDGESKILLS AND EMOTIONS. Overoptimismgullibility,
ignoranceimmaturityinexperiencebad decisionmaking
abilityinappropriate or lack of knowledge and skills. 5.
INADEQUATE RESEARCH by you of the companyits claimsits
critiquesother member reps 6. NO NEEDS ASSESSMENT. i.e. no
game plan. You have given little thought to the kind of business
you want to work in. Your sole objective is to make alot of
moneynotwill I be successful and will you enjoy the work.

People seeking abusiness have to proceed in amethodical and
systematic mannerunemotionally and rationally. They need to
set out their requirements; ashopping list of what they want,
what they needand an indepth look at what the business under
scrutiny have to offer.

You require two Excel spreadsheets or Word table,

1. In the first spreadsheet you should consolidate your fields
(items0 on the vertical plain. Horizontally you should write
your answers; 2. In the second spreadsheetyou would have the
same vertical fields . On the horizontal you would have all the
companies you are considering. In each block you could use
truncated text and anumeric score on a110 scale where 1 is
poor or inadequate and 10 is excellent

Give yourself lots of spreadsheet room as this should be along
document if you plan on doing things right.

Personal Characteristics. o List your strengths? (e.g. good
communicatorgood sense of humorgregariousunemotional o
List your weaknesses (e.g. short temperedlazyuntidy,
disorganizedunfriendly)

Professional Characteristics. o List of strengths? (e.g. team
playergood public speakerorganizedstress proof o List of
weaknesses? (e.g. not ateam playerdislike other peoplelazy,
disorganized)

Your CommitmentInterestKnowledge and Skills in and for
this particular business. (After completing 1 and 2 answer this
one honestly. Dont kid yourself or it will come back to haunt
you) o What kind of acommitment is expected of youand can you
make it? o How much active interest is necessary? o Do you need
any special knowledge and skills?

Personal Compatibility. o Are you going to get on with the
ownersother associates? o Are you interested in the product? o
Are you going to enjoy the new activitiesresponsibilities
which could become alife style?

Finances. o What startup money do you have (Dont say none.
Likely it will to be at least $1000)? o What monthly expenses
are you going to need (e.g. license feestelephonemarketing
expensesbuying leadsadvertisement? o Money for further
hidden buyin/upsell essentials o Setting up your office,
buying/upgrading equipmentconsultant fees o When is breakeven
likely to occur? You are unlikely to make money at the
beginning. Can you carry the expenses for that time?

Time. o How many hours will it take setting up the business? o
How many hours can you comfortably spend aday on the business
on an ongoing basis? o How many hours does the company say you
need to spend? Are they compatible? o Will you need to attend
conferences away from home? Who will pay? o List your other
personalprofessional and social commitments and see whether
you have the time to do this new commitment properly.

The Company. You may very well have your personal act together
but have you looked very closely at the company. The vast
majority of Internet companies have at least one major fatal
flaw and you are likely to come out the loser if you join up.
Exaggeration at all levels is the biggest problem. There is
bigtime B.S. with most of these companies and you have to do
your due diligence researching the company. Of course there are
companies with fatal flawswith whom you still can make alot
of money. But the rule caveat emptor beware the buyer
applies here. Consider the following carefully.

o Who are the owners? What is their background? What other
businesses do they have or did they have? How successful were
they? Can you get arms length testimonials on the owners? o How
long has this company been in business? What is its financial
situation? o How many people have already joined? How many are
still active? o What can you find out about the other people who
join up? o Ask for arandom list of people who have joined up so
you can talk to them o Search the Internet thoroughly for
comments on the company o Is there amoney back policy? Is it
unconditional? o What is the product(s)? Is it for real or
irrelevant? Is it likely to fall out of favour with buyers? o
How do the owners describe the company? e.g. MLMNetwork
Marketing o Ask to see the companies policies and procedures
manualand its strategic plan if they have one. o Who do you
report to if you have questions? o What kind of training will
the company provide?

Too oftenpeople enter into anew business in aeuphoric,
heightened emotional state of mind. Regardless of the pressure
to joingive yourself plenty of time to consider the pros and
cons. It is better not to join than to be pressured to join. And
dont listen to all the nonsense about your not having any
courage or not begin able to take arisk. This is sales hype
which you must treat with the contempt it deserves. Remember you
make amistakeno one will bale you out. Good luck!

The author invites you to review the company that he joined
after much consideration and after making bad mistakes
beforehand. It is .....ehomebiz.org www.ehomebiz.org . He considers it close to
perfect.

About the author:
Michael BrookePh.D is aretired university administrator,
adult educatorpublished authorcorporate trainer and
recruiterand internet business entrepreneur. He is presently
an Associate of the Prosperity Automated System
.....ehomebiz.org .....ehomebiz.org and is looking carefully for a
complementary company to join.

((( top mutual funds )))
-vuvK

2006-03-19T08:01:00.000-08:00

The Basics Of Value Investing ( Mutual Funds )..Value Investing refers to a philosophy or practice of buying stocks that are fundamentally sound, but the stock price is below its obvious value. There are various indicators that Value Investors use to determine that a company is both sound and the stock price is undervalued. For the Value Investor, perhaps more than any other style of investor, is more concerned with the business and its fundamentals than other influences on the stocks price.

Fundamentals, such as dividends, earnings growth, cash flow, and book value are more critical than market forces on the stocks price. Value investors are generally buy and hold investors. They will hold a stock for long term periods and are not concerned with short term swings in the stock price.

When the Value Investor determines that the fundamentals are sound, but the stock is trading at a price below its obvious value, he or she knows that this is a potential investment candidate. The assumption is that the market has incorrectly undervalued the stock. Conversely, when the market corrects that mistake, the stocks price should increase towards the obvious value point.

How do Value Investors find a potential investment?

- price to earnings ratio is in the bottom 10 percentile for its sector
- debt to equity ratio is less than 1
- price to book value ratio is less than 1
- PEG value of less than 1
- Stock value is trading at 60-70% of its intrinsic value

The P/E (Price to Earnings Ratio) is calculated by dividing the current price of the stock by the annual earnings per share. The higher the P/E the more earnings growth investors will expect and the higher premium they are willing to pay for that anticipated growth.

Debt to equity is calculated by dividing the total liabilities by the shareholders equity.

Price to Book Value is calculated by taking the current price per share and dividing by the book value per share.

The PEG is calculated by taking the P/E and dividing it by the projected growth in earnings.

The intrinsic value of a stock is a complicated process and is considered an inexact science by most investors. The intrinsic value of a company or an asset is generally determined based on an underlying perception of the value. Brand Name, Goodwill, and barriers to entry in a market are some of the factors that will determine the intrinsic value of a stock. You may be interested in looking at MorningStar.com for helping you determine a stocks intrinsic value. They calculate a number called fair valueMutual Fund which is similar to intrinsic value.

Many investors have increase their wealth substantially using a value-based approach to investing. This overview of Value Investing suggests a philosophy that works well over time if you buy carefully and use patience to hold for the long term.

((( top mutual funds )))
-QocE

2006-03-16T13:28:00.000-08:00

Find more articles on Mutual Funds, and the TOP Mutual Fund Managers...Item #
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2006-03-12T14:53:00.000-08:00

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