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Charlie Tyler had a surefire solution to many companies' problems -- or so he thought. Determined to strike out on his own, this Baton Rouge, Louisiana, CPA saw businesses struggling with tracking and collecting their employees' attendance records. So he and a partner dove right in to become value-added resellers of software designed to streamline those functions. But Tyler's “can't-miss" solution missed -- big time. “We went about six months and didn't sell much of anything,” he says. Fortunately, he and his partner still had other sources of income, so they went back to the drawing board. As Tyler's story shows, even the best business ideas can fall short because of poor planning and a lack of testing the commercial waters. Follow these tips before jumping to invest in your idea: Find the Best Product The next time Tyler attempted to start his own business, he focused on finding the right products. “The first time we were dealing with products that really were not far enough along in development, and we hadn't gone out there to find out the level of need among potential customers,” Tyler says. “You must spend time investigating what other products are out there and what it takes to become a value-added reseller of existing products.” The second time around, Tyler and his business partner determined their product “by knocking on a lot of doors and asking,” he says. They found that “the cornerstone of a lot of security and automation products is a single card that could control several applications -- building access, attendance and even a photo ID.” Test Your Product Once you've chosen your product, research its feasibility in a commercial context and then lay out a strategy that includes determining your competition, says Tony Martinez, director of the Louisiana State University Small Business Development Center. “Who is the consumer who would use your product? What is the potential market for it? What are the trends in the related industry?” are questions Martinez says you should look to answer. "Talk to users of similar products,” suggests Tyler. “Ask why they are happy with the product they are using and how they would improve it.” According to Martinez, your research must also identify your competitive advantage. “Ask yourself: What expertise do you have that qualifies you to enter this business?” he says. Market Your Product “Write a business plan that starts with marketing,” Martinez says. Tyler agrees. “You can have the greatest product in the world, but if you don't figure out how to get it to the marketplace first, it goes nowhere,” he says. Get Outside Help To further develop his business plan, research the market and systematically get the business up and running, Tyler turned to a business incubator, the Louisiana Business and Technology Center. Incubators make it possible for budding businesses to obtain essential startup services they otherwise would not be able to afford. Within the incubator, Tyler's company, Time Solutions Inc., had a phone answering service, a conference room, office space, mail service, a computer network, fax and telephone service -- all at reduced rates. Consider Gaining Experience First Paul Dunn, PhD, director of entrepreneurship studies at the University of Louisiana at Monroe, counsels his potential business owners to go to work for someone else in their chosen business before starting their own. Learning the field from the inside out often helps prospective business owners determine the viability of their intended product or service. Take Your Time Rushing is the deal killer. “Entrepreneurs are often in a hurry, afraid someone's going to do it before they do, so they jump in and shoot without researching the implications of their idea,” Dunn says. Love Your Product Finally, it is important that you follow your gut when deciding whether to invest in your business idea. “You better be sure you like what you're doing,” says Tyler. “There's no use in testing the waters if you don't love what you're doing.”
There's something about the idea of doubling one's money on an investment that intrigues most investors. It's a badge of honor dragged out at cocktail parties, a promise made by over-zealous advisors, and a headline that frequents the cover of some of the most popular personal finance magazines. Perhaps it comes from deep in our investor psychology; that risk-taking part of us that loves the quick buck. Whatever the source though, it is both a realistic goal that investors should always be moving towards, as well as something that can lure many people into impulsive investing mistakes. Knowing some of the most trusted avenues to doubling your money is something that all investors should have in their toolboxes. 1. The Classic Way - Earn it Slowly Investors who have been around for a while will remember the classic Smith Barney commercial from the 1980s, where British actor John Houseman informs viewers in his unmistakable accent that they "make money the old fashioned way – they earn it." Perhaps the most tested way to double your money over a reasonable amount of time is to invest in a solid, non-speculative portfolio that's diversified between blue-chip stocks and investment grade bonds. While that portfolio won't double in a year, it almost surely will eventually, thanks to the old rule of 72. (To learn more about the rule of 72, check out What is the 'rule of 72'?) Considering that large blue-chip stocks have returned roughly 10% over the last 100 years, and investment grade bonds have returned roughly 6%, a portfolio that is divided evenly between the two should return about 8%. Dividing that expected return (8%) into 72, gives a portfolio that should double every nine years. 2. The Contrarian Way – Blood in the Streets Just like great athletes go through slumps when many fans turn their backs, the stock prices of otherwise great companies occasionally go through slumps when fickle investors head for the hills. These instances can bring about situations where good investments become oversold, which presents a buying opportunity for brave investors who have done their homework. Perhaps the most classic barometers used to gauge when a stock may be oversold are the price-to-earnings ratio (P/E ratio) and the book value for a company. Both of these measures have fairly well established historical norms for both the broad markets and for specific industries. When companies slip well below these historical averages for superficial or systemic reasons, smart investors will smell an opportunity to double their money. (Read Buy When There's Blood in The Streets to learn more on contrarian investing.) 3. The Safe Way For those investors who are afraid of wrapping their portfolios around a telephone pole, bonds may provide a significantly less precarious journey to the same destination. But investors taking less risk by using bonds don't have to give up their dreams of one day proudly bragging around the lunchroom about doubling their money. In fact, zero-coupon bonds (including classic U.S. Savings Bonds), can keep you in the "double your money" discussion. One hidden benefit that many zero-coupon bondholders love is the absence of reinvestment risk. With standard coupon bonds, there's the ongoing challenge of reinvesting the interest payments when they're received. With zero coupon bonds, which simply "accrete" or grow towards maturity, there's no hassle of trying to invest smaller interest rate payments or risk of falling interest rates. (Check out the Importance of Reinvestment Income and Reinvestment Risk in the section of our CFA Level 1 Study Guide to learn more about this concept.) 4. The Speculative Way While slow and steady might work for some investors, others may find themselves falling asleep at the wheel. For these folks, the fastest ways to super-size the nest egg may be the use of options, margin or penny stocks. Stock options, such as simple puts and calls, can be used to speculate on any company's stock going up or down, and can turbo-charge a portfolio's performance. For those who don't want to learn the ins and outs of options, but do want to leverage their faith (or doubt) about a certain stock, there's the option of buying on margin or selling a stock short. Lastly, extreme bargain hunting can quickly turn your pennies into dollars. Whether you decide to roll the dice on the numerous former blue-chip companies that are now selling for less than a dollar, or you sink a few thousand into the next big thing, penny stocks can double your money in a single trading day. (For further reading on using penny stocks to double your money, read our related articles The Lowdown on Penny Stocks.) 5.The Best Way While it's not nearly as fun as watching your favorite stock on the evening news, the undisputed heavyweight champ of doubling your money is that matching contribution you receive in your employer's retirement plan. Making it even better is the fact that the money going into your 401(k) or other employer-sponsored retirement plan comes right off the top of what your employer reports to the IRS. Before you start complaining about how your employer doesn't have a 401(k) or how your company has cut its contribution because of the economy, don't forget that the government also "matches" some portion of the retirement contributions of taxpayers earning less than a certain amount. There's an old saying: "If something seems too good to be true, then it probably is." That's sage advice when it comes to doubling your money, considering that there are far more investment scams out there than sure things. While there certainly are other ways to approach doubling your money than the ones mentioned so far, always be suspicious when you're promised results. Whether it's your broker, your brother-in-law or a late night infomercial, take the time to make sure that people are not using your money to double their money.
ইতিহাস গড়া হলো না ক্রোয়েশিয়ার। সোনালি প্রজন্ম নিয়ে এসেও পারল না রাশিয়া বিশ্বকাপের শিরোপা জিততে। তারুণ্যে উজ্জীবিত ফ্রান্স ৪-২ গোলে ক্রোয়াটদের হারিয়ে আবার জিতেছে বিশ্বকাপ। দীর্ঘ ২০ বছর পর এই শিরোপার উল্লাস করে তারা। ফ্রান্স ১৯৯৮ সালে প্রথমবার বিশ্বকাপ চ্যাম্পিয়ন হয়েছিল। এবার তাদের দ্বিতীয় শিরোপা জয়। অবশ্য ২০০৬ সালে জার্মানি বিশ্বকাপে ফাইনালে উঠেও ইতালির কাছে হেরে শিরোপা হাতছাড়া হয়েছিল তাদের। এবার আর তা হয়নি, সোনালি প্রজন্মের ক্রোয়েশিয়াকে বড় ব্যবধানে হারিয়েই শিরোপা জিতে নেয় তারা। অবশ্য ম্যাচের ১৮ মিনিটে আত্মঘাতী গোলে এগিয়ে যায় ফ্রান্স (১-০)। বক্সের বাইরে থেকে আতোয়োন গ্রিজম্যানের চমৎকার ফ্রি-কিকে বিপদমুক্ত করতে গিয়ে নিজেদের জালে জড়িয়ে দেন বল মারিও মান্দজুকিচ। তাঁর মাথা ছুঁয়ে বল চলে যায় জালে। অল্প কিছুক্ষণের মধ্যে গোলটি সমতায় নিয়ে আসে ক্রোয়েশিয়া (১-১)। ঠিক ১০ মিনিট পর চমৎকার গোলে দলকে খেলায় ফেরান ইভান পেরিসিচ। বক্সে ঢুকেই তাঁর চমৎকার প্লেসিং বল ঠিকানা খুঁজে পায় জালে। ৩৮ মিনিটে আবার এগিয়ে যায় ফ্রান্স (২-১)। পেনাল্টি থেকে গোল করে দলের ব্যবধান দ্বিগুণ করেন আতোয়োন গ্রিজম্যান। বক্সের মধ্যে ক্রোয়েশিয়া ডিফেন্ডার পেরিসিচের হাতে বল লাগলে রেফারি পেনাল্টির বাঁশি বাজান। ফ্রান্সের পক্ষে তৃতীয় গোলটি করেন পল পগবা। ৫৯ মিনিটে বক্সের সামনে থেকে আচমকা শটে লক্ষ্যভেদ করেন এই ফরাসি মিডফিল্ডার। ছয় মিনিট পর দলের ব্যবধান আরো বড় করেন (৪-১) এমবাপে। মাঝমাঠ থেকে পাওয়া একটি বল নিয়ে বক্সে ঢুকে দারুণ শটে গোল করেন তিনি। ৬৯ মিনিটে মারিও মান্দজুকিচ ক্রোয়েশিয়ার পক্ষে দ্বিতীয় গোল করে ব্যবধান কিছুটা কমান (২-৪)। ফ্রান্স গোলরক্ষকের সমানে থেকে বল নিয়েই জালে জড়ান তিনি। মান্দজুকিচের এই গোলে ব্যবধান কিছুটা কমলেও ক্রোয়াটদের হার এড়ায়নি। তাই প্রথমবার ফাইনালে উঠে রানার্সআপ হয়েই সন্তুষ্ট থাকতে হয়েছে তাদের। ক্রোয়েশিয়া পুরো আসরে দারুণ খেলেও ফাইনালে গিয়ে আর পারেনি তারুণ্য-নির্ভর ফ্রান্সের সঙ্গে। অবশ্য ফাইনালে যে তারা খারাপ খেলেছে সেটা বলা যাবে না। তবে ফ্রান্সের কৌশলি ফুটবলের কাছে।
ফ্ল্যাট, কিচেন সেটআপ, অফিস, রেস্টুরেন্ট, বিউটি পার্লার বা অন্য কিছুর ইন্টেরিয়র নিয়ে ভাবছেন? আমরা আছি আপনাদের পাশে। বর্তমানে ইন্টেরিয়র জগতে Basic Architects একটি অনবদ্ধ নাম। অতি কম খরচে সব চেয়ে ভালমানের ম্যাটেরিয়ালস দিয়ে একমাত্র আমরাই সেরা ডিজাইন দিয়ে থাকি। ইন্টেরিয়র রিলেটেড সার্ভিস পেতে আমাদের ইনবক্স করুন এই ফরমেটে। প্রজেক্ট টাইপঃ ( ফ্ল্যাট, ডুপ্লেক্স,অফিস, রেস্টুরেন্ট, বিউটি পার্লার, অন্য কিছু ) স্কয়ার ফিটঃ এরিয়াঃ কন্টাক্ট নাম্বারঃ যদি স্পেস এর লে-আউট থাকে দিতে পারেন। আমরা দ্রুত আপনার সাথে যোগাযোগ করবো। আমাদের কন্টাক্ট নাম্বার +8801762543797, 01921318510, 01878658227 আমাদের সাথে কানেক্টেড থাকতে এবং ইন্টেরিয়র এর উপর বিভিন্ন টিপস পেতে আমাদের সাথেই থাকুন। We offer the following services to our valued Clients: *Residence Interior & Exterior. *Corporate Office, Bank, Showroom Outlet Interior Design. *Restaurant, Cafeteria, Resort, Hotel Interior Design *Hospital, School, College, University Interior Design *Landscaping. #Interior #Architectural #Architect_Consultancy #Soil #Test #Structural #Design #RAJUK #Plan Office: House #08, (5th Floor) Road#1B, Sector# 09, Uttara Model Town,Dhaka, Bangladesh 1230 GoRiseMe.com/help facebook.com/InteriorSolutionsByGoRiseMe
ফ্ল্যাট, কিচেন সেটআপ, অফিস, রেস্টুরেন্ট, বিউটি পার্লার বা অন্য কিছুর ইন্টেরিয়র নিয়ে ভাবছেন? আমরা আছি আপনাদের পাশে। বর্তমানে ইন্টেরিয়র জগতে Basic Architects একটি অনবদ্ধ নাম। অতি কম খরচে সব চেয়ে ভালমানের ম্যাটেরিয়ালস দিয়ে একমাত্র আমরাই সেরা ডিজাইন দিয়ে থাকি। ইন্টেরিয়র রিলেটেড সার্ভিস পেতে আমাদের ইনবক্স করুন এই ফরমেটে। প্রজেক্ট টাইপঃ ( ফ্ল্যাট, ডুপ্লেক্স,অফিস, রেস্টুরেন্ট, বিউটি পার্লার, অন্য কিছু ) স্কয়ার ফিটঃ এরিয়াঃ কন্টাক্ট নাম্বারঃ যদি স্পেস এর লে-আউট থাকে দিতে পারেন। আমরা দ্রুত আপনার সাথে যোগাযোগ করবো। আমাদের কন্টাক্ট নাম্বার +8801762543797, 01921318510, 01878658227 আমাদের সাথে কানেক্টেড থাকতে এবং ইন্টেরিয়র এর উপর বিভিন্ন টিপস পেতে আমাদের সাথেই থাকুন। We offer the following services to our valued Clients: *Residence Interior & Exterior. *Corporate Office, Bank, Showroom Outlet Interior Design. *Restaurant, Cafeteria, Resort, Hotel Interior Design *Hospital, School, College, University Interior Design *Landscaping. #Interior #Architectural #Architect_Consultancy #Soil #Test #Structural #Design #RAJUK #Plan Office: House #08, (5th Floor) Road#1B, Sector# 09, Uttara Model Town,Dhaka, Bangladesh 1230 GoRiseMe.com/help facebook.com/InteriorSolutionsByGoRiseMe
Rubina Huq meeting with the Prime Minister. Rubina Haque, elected by a huge vote from the Bangladesh Garment Manufacturers and Exporters Association (BGMEA) Sammilita Parishad and Forum, met Prime Minister Sheikh Hasina on Sunday afternoon. Prime Minister's Press Secretary Ihsanul Karim told BSS, Prime Minister Sheikh Hasina greeted the gathering of the BGMEA from the Combined Forums and offered her a bouquet of flowers. Sheikh Hasina congratulated Rubina Huq's panel for winning the biennial election of the top organization of the garment sector. During this time, the Prime Minister expressed her hope that the development of the country's readymade garment industry and continuation of BGMEA's ongoing successes, the press secretary said. In the 35th post from the panel of Samiti Forum, led by Mohammad Ali Group's Managing Director Rubina Haque, the director won the post. Rubana Haque is going to be the first woman president of BGMEA. #bangladesh #business #goriseme #BGMEA #B2B #CSR #eTrade