Last week, I finally took the plunge and changed my alliances with PC and Windows and switched to Apple. Buy a 21.5 "Apple iMac with 4 GB of RAM, 500 GB hard drive, ATI Radeon HD 4670 graphics card with 256 MB of memory and an Intel Dual Core 3.06 GHz processor. I should move to San Francisco and start dressing I've never gone back to the days of Dell and Microsoft It's been 4 days since I started using it, and I love it My ability to quickly create screen castings, web videos, manipulate and edit photos, and work in various Different programs at the same time has improved immensely.I do not know what the Mac OS or programs designed for Mac are about, but they load and run much faster than Windows and Windows based programs.For example, Firefox opens up to Instantly, even in Windows 7, Firefox hesitates to open for about 10 seconds, since I bought an iPhone about a year and a half ago, I had the desire to change my computers to Apple, but the price had always prevented me from doing it. change. I never thought I could to spend less than $ 1, 700 to $ 1, 800 for what I wanted, but I ended up getting this iMac for $ 999, which was exactly my limit for what I was willing to spend. ?As I did? Read below:
If you are looking to buy a Mac or update an older one and have more questions For me, do not hesitate to post a comment below. I recommend saving 20% on the retail price and go with a restored Mac certified by Apple. It is worth waiting for the shipment and spend a little time waiting for your specific product to be published on the restored page.
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As you know, asset allocation is the number one factor to consider when structuring a successful investment portfolio. The objective of most investors should be to build a diversified portfolio that allows them to cope with the ups and downs of the market.
However, you can not build your portfolio properly until you know exactly what type of investor you are. This requires analyzing several different factors and answering some important questions so that you can find the optimal combination for your investment portfolio.
Below are the 3 most important factors that you must take into account to correctly structure your portfolio :
Determine your investment strategy is the first thing to do before investing a single penny in stocks, bonds or mutual funds. Ask the following questions and make a list so you can trace your investment strategy.
There is a big difference between the strategies of Someone who is investing in supplemental income outside of a pension plan and a person who depends entirely on their 401k of income after retirement. Once you know the purpose for which you are investing, you can determine the assets in which you must invest to achieve your objectives.
Believe it or not, all investors believe they are risk takers when they just start. They want to invest actively in the next big mutual stock fund or aggressive growth that will turn them into millionaires at the age of 40. That is, until these higher risk investments begin to lose value. The so-called "risk takers" learn in the worst way that they are really conservative investors who would prefer to invest their money in safe investment options such as bonds.
This step requires investors to be honest with themselves. about the magnitude of the risk (and the potential losses) with which you would feel comfortable. Can you sleep at night if your wallet has dropped from 20 to 30%? Can you exit the market so you can see the market caps? The average investor is not a natural risk taker, so he buys during the peaks of the market and sells during the minima of the market. If you want to know your investment temperament, observe how it responded during the collapse of the market in 2008. Vendio, retained or bought more shares?
I know this is not a popular statement, but age does matter. If you are 50 or older and have substantial assets, most of them should be invested in more conservative investments. The golden rule to follow is that younger investors should invest heavily in risky assets, such as stocks, and older investors should invest primarily in fixed income assets. Younger investors should focus on the revaluation of capital, while older investors should concentrate on the preservation of capital.
If you are very young (less than 30 years), start saving and investing. soon as possible. It is extremely beneficial to start saving for retirement at a young age.
Here is a quick age-adjusted asset allocation tool that you can use:
This is the percentage of money you should invest in stocks. For example, if you are 25 years old and recently discovered that you are a risk taker when it comes to investing, you should place 95% of your assets in shares (120-25 = 95). On the other hand, if you are 60 years old, you are close to retirement and you are very conservative, you should only have 40% of your assets in shares (100-60 = 40).
However, there are some exceptions to this rule. For example, if you are 50 years old and have only saved $ 20,000 for retirement, you will have to adopt a much more aggressive strategy than the average investor of 50 years. This is because most likely you need to work at least another 15 years and focus on the revaluation of the capital to make up for the lost time. Ask yourself: "How much money do I need to retire?" And adjust your strategy accordingly.
Remember that there are not exactly two investors. Your investment portfolio should be structured according to your objectives, strategy, risk tolerance, age. and number of years until retirement. If you take all these factors into account, you must be on track to build the right portfolio for your retirement investment plan!
(Photo Credit: Casey Serin)
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