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Bonds: The Types of Yield

Bonds: The Types of Yield

In layman terms, bonds are investments with fixed rate of return, unlike equity shares. This explains why bonds are often referred to as ‘fixed-income securities.’ The return on investment, in this parlance, is known as ‘yield.’ In the real terms, though the token rate of interest payable on bonds is fixed, the yield tends to change with a number of factors, such as change in prevailing interest rates in the economy and inflation. Let us look at what are the three types of bond yields and what they signify.

  • Nominal Yield

Also known as the ‘coupon rate,’ it is the indicated rate of interest on the bond. The annual interest is calculated on the par value of the bond at the coupon rate. It is immaterial whether you purchased the bond at premium (more than par value) or at a discount (less than par value) – the nominal yield always concerns with the par value. For instance, 7% $250 Notes imply that 7% coupon rate is payable on $250, even if you bought the Notes at, say, $280.

  • Current Yield

Current yield is the current percentage return on the security. It assumes the holder will keep the security only over the next one year and during that period there will be no change in its market price. In effect, it does not refer to the ‘total yield’ up to the time of maturity. It also eliminates the assumption of reinvesting the periodic receipts at a constant rate. It can be represented in the form of a form of a formula, as below:

Current Yield = Nominal Yield/Market Price

This percentage indicates the actual return if you decide to purchase the bond at current market price.

  • Yield-to-Maturity

Yield-to-Maturity refers to the total return over the life of the security. Theoretically, it implies reinvestment of the annual interest receipts at a constant rate. It is considered the most important parameter to assess the viability of a bond investment. However, the calculation for YTM is rather complex that relies on a ‘trial and error method’ or the aid of some calculating device. The concept can be expressed mathematically, as:

N (1+R)-1 + N (1+R)-2 +… N (1+R)-n + P (1+R)-n = M

where

C H Annual Coupon Interest or Nominal Yield;

R H Yield-to-Maturity;

P H Par Value or Redemption Value;

n H Years left for maturity;

M H Price of the bond;

It is interesting to note that if and only if a bond is selling at par, the three yields are equal.

Brooks Brothers Vs Paul Frederick

Brooks Brothers Vs Paul Frederick

Is there really a difference between Brooks Brothers and Paul Frederick? A brief side-by-side comparison will show the similarities and differences between the two companies to find out if they have more in common than a name for quality men’s wear. In fact, you will find that each brand has its own style as well as its own way of handling business. However, you will also find that there are a few common factors in their selections.

Brooks Brothers

One of the first things that you will see with Brooks Brothers that you will not see with Paul Frederick is women’s clothing. In fact, Brooks Brothers has selections for women’s and children’s clothing and accessories as well as men’s. However, Brooks Brothers may still be most known for its selections of men’s clothing and accessories including casual clothing according to season as well as its perennial selection of quality suits with no-iron dress shirts and other formal wear.

In addition to clothing, there are many other selections such as watches, belts and suspenders, hats and gloves, cuff links, sunglasses and even umbrellas, pens and stationery, key chains and fragrances from Brooks Brothers. In fact, the company has its own brands of books and music to compliment the brand’s style. Furthermore, you can always look for promotions and discounts from the site and other specialty sites that offer coupons and promotional codes for the clothing and accessories you like.

Paul Frederick

While Brooks Brothers has branched out its options to include women’s and children’s items, Paul Frederick continues to cater exclusively toward its male target audience. In fact, this company tends to keep its offerings simple but upscale with dress shirts, ties, trousers, sport shirts, knits, sports coats, outerwear and accessories. The company also has its own Big and Tall selection for men who need less conventional sizes but quality cuts for their clothing.

While you will not find the books and music to set the mood with Paul Frederick wear, you will find accessories such as hats and caps, pocket squares, belts and braces. Of course, you will also find a quality shoe collection among these items. Like Brooks Brothers, you can also find promotional codes and perhaps a Paul Fredrick coupon for discounts. However, you can also go to the site and look at its clearance section that carries specials on all kinds of items from clothing to accessories.…

10 Reasons Why Your Restaurant Needs a Website

10 Reasons Why Your Restaurant Needs a Website

The modern business must have a Web presence that communicates its brand and basic information to target audiences.  Despite that 89% of Internet users research restaurants online, thousands of restaurants still have little or no online presence. It’s essential that restaurants develop and maintain a basic website.  You may say that your business does not need a website, that it’s too expensive or you don’t have time to create or maintain it.  But when the purpose of a website is to deliver value to your customers, who in turn generate business, a website is essential.  In the same way you satisfy customers when they visit your restaurant, you should satisfy their informational needs online.  For the restaurant owner or manager, there are many benefits of having a website.  Here are a few:

1. To generate awareness, exposure and extend your brand. Your website lets people know who you are and gives potential customers a feel for your restaurant, menu and atmosphere. You also have the opportunity to demonstrate to customers why your restaurant is the right choice for them.  Remember, first impressions count.  A smart, simple design will help you convey the professional-yet-appealing image you want.

You have options when it comes to creating a website.  The least expensive method is to (of course) do it yourself.  With some software, a reference guide or two, and your dedication, a person with basic computer skills can have a simple website up within a week or less.  You may also decide to use a single provider who can handle everything from domain registration and renewal to hosting, site design, development and maintenance.  Be sure to ask them if they use search Engine Optimization best practices when they build their sites and if they will help improve the search results placement of your site once it launches.

2. To provide basic information such as hours of operation, payment methods, and location. While you most likely aren’t available 24 hours a day to answer these questions, your website, aka your ‘virtual storefront,’ is always there to address visitors’ questions.

3. To enhance your competitive advantage. There is a good chance that other restaurants in your area have websites and are luring your potential business because they can be found more quickly.  Many potential customers like to “comparison shop,” researching several restaurants online before making a decision about where to eat.   Without a web presence, your restaurant may no longer be considered an option for them.  You may also miss out on being listed in local online directories that feature your competitors.Before building your website, it is a good idea to check out what your competitors are doing online.  It’s a great way to get inspiration and ideas and think about ways that you can differentiate yourself.  

4. To improve internal efficiency and customer service. Does your staff repeatedly get bombarded by the same requests over and over again?  A great way to cut down on time spent fielding issues is to publicize that information …

Is the Antique Business, Dying, Dead, Wounded Or Just Hybernating?

Is the Antique Business, Dying, Dead, Wounded Or Just Hybernating?

If you are a small business owner of a antique business, you have probably heard the “death knoll claims”, been deluged with discouragement from the “gloom and doom”crowd and look frequently out your window to see if “the funeral procession” is passing by…I am here to tell you that while antiques as well as all discretionary retail businesses are challenged…they are not dead and won’t be any time soon!

Almost every day I hear the constant comment from some customers and a lot of discouraged dealers saying that the antique is industry is dead, dying or disappearing. There rationale is:

1. The existing customer isn’t buying.

2. The existing customer has bought all they intend to.

3. The younger customer isn’t interested.

4. Everyone that might be buying is buying online.

I would like to give you “tough and committed” antique dealers who have store fronts some counter intuitive insight and contrarian opinion about the “state of things in the antique industry”.

For years the antique industry (like many other industries in America) became over populated with part time, marginally committed participants who saw there opportunity to turn a “passion for garage sales” into “off or on the books” profits with little day to day efforts through the proliferation of antique malls everywhere! These dealers would “plop down” a security deposit, load up the SUV, get a few tables and cloths together and open up a Antique Mall Space. The large size of this group proliferated a huge amount of antique malls popping up on many main streets and malls throughout the United States.

The fallacy of this concept was the space was expensive, add on percentages pretty high, and marginally committed staff not having the same “vested interest” as a owner of a mall space would have. The dealers in the malls were not “retailing veterans” and in many cases found out at the end of the month that instead of the “slush funds” that they thought they had created, a bill for the short fall between space rent and sales was waiting for them on the first of the month instead of the hoped for check. A new “harsh reality” sunk in to the mall space tenants and they soon said this is not a good idea and “bailed” in record numbers. The “bailing process” of mall space tenants created huge empty gaps in antique malls and led to a new reality for the antique mall owner “they are upside down on their rent due to the vacancies”. This has led to record Antique Malls closing their doors and hanging the “for rent” signs on the front of the buildings.

What is the post mortem of this process? “Bigger opportunities” for the surviving retail outlets for the sale of antiques by getting a bigger slice of a (economically caused) smaller pie. This is a moment to not lament the advent of online antique sales but take advantage of it. The internet gives a dealer a chance to reach …

The Benefits of Using a Daily Deal Aggregator

The Benefits of Using a Daily Deal Aggregator

Everyone like a deal. The bigger the discount the more we like them. Coupons and coupon sites have been around for years but with the advent of the “Daily Deal” model brought to us by Groupon, the landscape has changed and become much more interesting. With this revolutionary idea came the competition and now there are hundreds of deal sites focusing on both national and local deals. The question is: how to make sure you don’t miss the deals you want without spending time searching out all the local sites and spending hours sifting through daily deal emails. Enter the daily deal aggregator.

This new concept has been around for less than a couple of years and is helping consumers manage all the deal data out there on the Internet. A daily deal aggregator acts like a search engine or a content specific portal and captures all the deals in one location, but there are a few other niceties in finding the right aggregator for you.

Deal Management: Aggregators pull deals from a number of deal sites and places them in a single location. Many of these sites place these in particular categories like; travel, restaurants, salon and spa, retail etc. So if you are looking for a restaurant deal say in Chicago, you pull up one of these aggregators and search in the food and wine category and BAM… you have a number of deals to consider. From there, the user is taken into the daily deal site promoting the particular deal and you can make a purchase. There is no registration needed for an aggregator but if you choose to, you will be provided deal updates via email for the cities and categories you wish. This allows the user to safely filter all of the emails received from the many deal sites without ever worrying about missing out on a killer promotion.

Customized Deal Flow: One of the great features of aggregators is the ability to filter out the deals that don’t fit your lifestyle. For example, if you are only interested in restaurant deals and don’t care for receiving updates on oil changes or hotel deals, then you just opt out of this category. By simple setting your preferences in the website, you will be able to maximize your deal-flow and minimize the amount of time searching for them.

Niche Content: Certain aggregators are now focusing on a targeted audience and provide reviews, suggestions and other advertisement that are relevant to the daily deal subscriber. In fact, some are going so far as providing a percentage of their profits to benefit different charities and causes for their target audience. It’s a very special and interesting concept that is providing the subscriber some vested interest in these aggregator sites.

The bottom line is that daily deals are not going away. Retailers, for the most part, like the economics and the benefits of finding new customers. The US economy is necessitating better pricing to motivate people to go out …

Online Shopping Lingo: Abbreviations and Acronyms

Online Shopping Lingo: Abbreviations and Acronyms

Visiting coupon, refunding or bargain sites may, at first, seem

like visiting a foreign country. You see phrases such as:

GDA! BBW B&M BOGO on soaps, HTH

And you think WHAT? Huh? What are they talking about? What

language is THAT?

(Translation: Good Deal Alert! Bath & Body Works

brick-and-mortar store has buy-one-get-one on soaps, hope this

helps!)

I mean, it’s enough to make you want to TYHO!

(Tear Your Hair Out – I made that one up.)

Before you click away in frustration, let me reassure you that

it IS possible to speak like a native – you just need a guide to

the terminology, acronyms, abbreviations, definitions and common

word usage found on rebate and premium product lists, coupon and

online code lists, and refunding and trading forums.

Each site you visit may have its own particular phrases, but

generally speaking the most common terms are found in the list

below.

TTFN…

B&M = Brick & Mortar

B1G1F = Buy One Get One Free

BOGO = (the same as B1G1), Buy One, Get One (usually free)

C/O = Cash Off or Cents Off

CPN = Coupon

CRT = Cash Register Tape

CSR = Customer Service Reps

CVS = A pharmacy/drug store like Rite-Aid

DB = Dear/Darling/Darn Brother

DCRT = Dated Cash Register Receipt

DD* = Dear/Darling/Darn Daughter

DG = Dear/Darling/Darn Girlfriend

DH = Dear/Darling/Darn Husband

DND = Do Not Double

DS* = Dear/Darling/Darn Son

DUPES = Duplicates

DW = Dear/Darling/Darn Wife

EB = Extra Bucks (CVS)

ECB = Extra Care Bucks (CVS)

ESR = Easy Saver Rebate (Walgreens monthly rebate)

FAB = From another Board

GC = Gift Certificate

GDA = Good deal alert

GWP = Gift With Purchase

H/F = Handling Fee

HT/HGT = Hang tag

ISO = In Search Of

LMK = Let Me Know

LOL = Laughing Out Loud and/or Lots of Luck

LPG = Lower Price Guarantee

LSASE = Long self addressed stamped envelope

MIB = Mint in Box

MIL = Mother-in-Law

MMV = Mileage May Vary

MS = Mystery Shopper

NAZ = Name Address Zip code

NED = No expiration date

NIB = New in box

NOCC = No Credit Card

NWOT = New WithOut Tags

NWT = New With Tags

OBO = Or Best Offer

PLMK = Please let me know

POB = Post Office Box

POP = Proof of Purchase

PP = Purchase Price

PPHF = PayPal Handling fee

PREM (Premium) = An item received from a refund offer.

PSTG = Postage

Qualifier (Q)= Proof of Purchase.

RAOK = Random Act of Kindness

RP = Rewards Programs

SAHM = Stay At Home Mom

SASE = Self Addressed Stamped Envelope

SMP = Specially Marked Packages

TMF = Try Me Free

TOS = Terms of Service

TTFN = Ta ta for now

TY/ty = Thank you

UNL = Unlimited

UPC = Universal Product Code

W/L or WL= Wish list

WAHM = Work at home mom

Winetags = coupons found around the neck of a wine bottle

YMMV = Your Merchandise (or Mileage) May …

How To Find Elusive Football Draws

How To Find Elusive Football Draws

The football draw game – hard to find them isn’t it? Eight of these are key to winning the UK treble chance football pool, but maybe you just want to find two or three for a specialised fixed odds bet, or a range of trebles, maybe in an Australian, German, Spanish or Italian league. Typically, on a league weekend in the UK football season and 49 matches on the coupon, there will be on average, 9 scoring football draws, and of these, many will have been predictable using a good forecasting system. No-score football draws average out at about 4-5 per week.

How do we find them?

Well, in the British league season, most teams play close to ‘form’, but Cup matches are more of a lottery when ‘giant killing’ happens fairly frequently, and are best avoided if you are serious about winning the football pools. So, to start, we only bet when the odds are optimal, and that means league games. In fact, we don’t bet when ‘form’ is likely to be compromised – e.g. on Boxing Day.

With a good football draw forecast system, you will be able to keep track of form and eliminate those matches which are certain home wins – there could be typically 22 home wins, many of which will have been easy to predict. As to away wins, these are harder to predict, and there will be, on average, 13-14 away wins on the coupon each week.

So, let’s say that we can predict 90% of the home wins – that’s roughly 19 matches, and maybe 50% of the away wins – that’s another 7 matches. So, out of the coupon as a whole, with a reliable forecasting system we can expect to predict 26 matches (homes and aways). That leaves 23 matches, from which we have to find 8 football draws.

Now, with a good plan or perm, which combines maybe 17 or 18 forecasts – some plans even give a coverage of 24 matches, then you can see that the odds of getting 8 football draws in a line are considerably enhanced. Sure, using a plan means that you sacrifice perfection to achieve greater coverage (after all there are 451 million ways of selecting 8 football draws from 49 matches). You probably will not hit the jackpot, but you will have more frequent wins of lower value, and should be able to move into profit.

So, you can see that an efficient football draw prediction system is essential.

What are the key aspects of a good football draw forecast system?

Well, besides knowing when to stake and when to avoid betting and throwing your money away, you have to be able to analyse form and come up with football draw predictions. When it comes to form, how far back should you go? How will a team which was promoted from the Championship perform in the Premier League (and vice versa?)

Use statistics selectively

My view is that the first few weeks …

Football Draw Predication System – Ideal For Selections For Fixed Odds Betting Or the Pools Coupon

Football Draw Predication System – Ideal For Selections For Fixed Odds Betting Or the Pools Coupon

When you look at these tables s you will find in the center column sequences of numbers, these numbers are the accumulative votes out of 10 from the Sunday newspapers tipsters on whether the outcome of the matches on the coupon will result is a home, away win or a draw.

For example 3,5,2 indicates that 3 tipsters consider the match a home win, 5 go for an away win and 2 go for the draw.

This draw system aims to go one better and show you how to use these tipsters’ predictions to your advantage

The method

All you have to do is work your way down the column selecting those matches where all the experts agree to evenly.

For example when votes out of 10 newspaper tipsters read, 3-3-4, 4-3-3, 3-4-3 or 5-3-2, 2-3-5, 3-5-2 etc

Next select those matches where the majority indicate a home win, for example – 10-0-0, 9-1-0, 8-0- etc…

Do not go further than an 8-majority vote. You must also ignore those matches where the indicated result has been predicted to be an away win or draw

When you have done this you will have ended up with about 20+ selections. Your next step is to reduce your selections down to the number of matches to suit your requirements. This can be done in the following manner

  1. Make two lists, the first list will contain those match numbers where there is an even split in the experts predictions. The second list will contain those matches where the indicated result is a home win.
  2. Your next step is to divide each list into odd and even numbers. This is done because every week the matches resulting in score draws are evenly split into odd and even numbers.
  3. The next step is to decide on your strongest selections, these are indicated where the even split is 4-3-3, 3-4-3, or 3-3-4 and where the home win is indicated by a 10-0-0 vote

4. Your final step is to make up any shortfall from the remaining selections.

Good luck!…

Four Ways to Cooperate With Other Businesses to Grow Your Business

Four Ways to Cooperate With Other Businesses to Grow Your Business

Many small business owners spend a lot of time, effort and money doing things to grow their business that could be done more effectively in conjunction with another business. By this, I mean forming partnerships with other businesses can not only improve a small business’ marketing, but it can also improve the business itself.

In this article, four ways to grow a small business through networking and cooperating with other businesses will be discussed. Each, of course, has distinct advantages and disadvantages. They are: 1) cross-marketing, 2) organizing an event, 3) forming a support group, and 4) sharing resources.

Cross-Marketing

In any community, there are numerous opportunities for businesses to cross market their products or services. Here are some examples. A souvenir shop in a resort community that gives its customers a discount coupon for a local restaurant would encounter no additional expenses. The restaurant, of course returns the favor, by giving a discount coupon to its patrons. A graphic designer, for example, might be able to cross promote services with a local print shop or sign maker. An oil change shop could give a coupon for a car detailer and vice versa. The key is to find reliable businesses that genuinely view this sort of cross-promotion as a win-win activity.

Organizing an Event

There are many ways for a group of businesses to organize an event that will help each business grow. Farmers markets, street fairs, community events, etc. are a great way for local merchants to realize the benefits of cooperating to bring customers to the area. A health club, for example, might hold a health fair in partnership with a local health clinic. A restaurant and a local wine shop might collaborate to have monthly wine and food tasting events. A web development company could partner with a local photographer to give a demo on shot-for-the-web techniques.

Form a Support Group

It is easy to become isolated as a small business owner. Between the late hours, the stress and need to make payroll, there seems to be little time for anything else. Not surprisingly, the small business owner next door, down the street and across town probably is dealing with a lot of the same issues. One way to network and support other small businesses is to form a weekly or monthly coffee club. You could even introduce a topic of week and share ideas on one them each week.

Share Resources

A great way to lower expenses and strengthen your systems is to share resources. Even a simple thing like buying in bulk and splitting the order can have a big impact on the bottom line. Almost everything is less expensive in bulk, but many small businesses do not have the need, space or financial resources to buy, say a pallet of paper, but three or might. Another thing that many businesses can share is business intelligence. This might include a mailing list or information about reliable suppliers.

Sharing resources or expertise does require mutual trust …

5 Ways to Save Money When Shopping Online

5 Ways to Save Money When Shopping Online

We all enjoy the convenience of replacing crowded parking lots and shopping malls with the click of a button, and sending our purchases directly to our doorsteps. Online shopping also gives us the chance to buy products we may not have access to in our hometown, which happens to be the culprit of my love for shopping online. Aside from the obvious convenience and accessibility of using the Internet, shopping online can save you a lot of money when you’re aware of its advantages!

1. COUPON CODES can save you a ton of money, and many people don’t use them!

Most online stores offer coupon codes somewhere on their homepage, but many shoppers don’t take advantage of the discounts. I am amazed at the amount of customers who purchase from my store and don’t enter the 10% discount code at checkout. Who doesn’t want to save money? I’m sure you do, which is why you need to pay attention to these offers. If you find something you like on a site that does not have a discount code displayed, search the site on RetailMeNot.com or FatWallet.com. These are awesome sites that allow you to search stores by name to find current coupon codes they’re offering, and most stores do offer them. You can also submit codes that you have found on your own if they’re not already listed.

2. COMPARE PRICES

When you find something you love online, take a second to check and see if you can get it somewhere cheaper. Chances are you can. The Google Shopping tab is an excellent tool to use for comparison shopping. Most of the stores that show up on the first few pages of Google’s search results are larger, more established stores. Smaller boutique-type stores may offer the same products at lower prices, but don’t have the luxury of showing up higher on the results list. Many small stores take the time to upload their products to the Google Shopping feed (a tedious process if I might say so myself), which allows you to search the product by name and find the best price. Google does not allow unsecured Websites to show up on the feed, so you know you’re safe. And don’t forget, if you find it cheaper elsewhere, check to see if the store also has a coupon code! Double score.

3. Find sites that offer DAILY DEALS for huge savings

Many stores are now offering Daily Deals to their online customers. They typically offer 20-50% savings, which can add up to hundreds of dollars depending on the purchase. Run a Google search with the name of a product you’ve been eyeing followed by “daily deal” or “deal of the day”. If any site happens to be offering a deal that day it should show up in the search results. This trick takes about 30 seconds and can potentially add to hundreds in savings.

4. Take advantage of GROUPON and LIVING SOCIAL discounts.

Before you go out to eat, to …