Sunday 12 August 2012

What are gold mutual funds?

Introduction.

Gold mutual funds can be defined as those funds that have an objective related to gold set out in the prospectus that offers. It can also be explained as mutual funds that are invested in companies that deal in mining, distribution, and processing of gold in order to pursue capital appreciation. They are usually viewed as specialty funds due to their focus on gold mining stocks, even though some of them own small amounts of gold bullion. Most of gold mutual funds portfolio have exposure to other minerals such as platinum, silver, and metal based mining stocks, but they do concentrate mostly on gold.

A high percentage of up to 65% of the of the total assets of most prominent companies such as in South Africa and Australia are invested:
(1). in the securities of companies that are involved directly or indirectly in the mining business, fabricating, processing, distribution or any way that they deal in the minerals mined.
(2). in the bullion of silver, gold and platinum.
The rest 35% of the total assets may be invested in the securities of firms that derive part of their gross revenue from mining, fabricating, processing, distribution, mining business or in any way that they deal in other natural resources.

Part of the gold mutual funds may be invested in foreign domestic companies that have any size of capitalization that is large, medium or small. At least 25% of the assets these companies should be invested in Natural Resourses Companies. Gold mutual funds investments are usually concentrated in foreign secUrities and smaller companies mining of precious minerals. In an overall view, gold mutual funds are the more speculative and riskier funds than other funds.

Reason why firms invest in gold invested mutual funds rather than bullion:
(1). Mutual funds are flexible in that they can be sold or bought on any business day of stock markets. Gold mutual funds shares can also be held in your brokerage account or directly with the fund company. With mutual funds, there is no need for storage as in billions. Shares are usually redeemed safely on your request without any liquidity issues as it occurs with bullion.
(2). The other reason is that gold mutual funds are professionally managed and have uncorrelated performance to stock market indexes. Their price moves are known to correlate well with prices of gold bullion.

Choosing gold mutual funds.

An investor should always consider the following factors when choosing on any mutual fund:
(1). Style of investment: Depending on their sizes or type, they should be able to allow option writing, hedging and shorting. Should also have the capability of holding bullion.
(2). Charges on the sales: Some mutual funds are usually set aside for new investors. Charges can be a front end, back end or even no charge.
(3). Ratio of expense: Find out if there is the inclusion of leverage expense.
(4). Past performance records: try to track and find out detailed information on the past performance of the mutual fund in the market.
(5). Manager experience: the portfolio manager should have a wide and enough experience on the mutual fund one chooses.
(6). The turn over of portfolio: higher turnovers usually mean high distributions.

Search Engine Marketing.

Introduction.

Search engine marketing can be defined as the process of web promotion through increasing its visibility and online presence on search engine results. This can be done through optimization and advertisements such as paid inclusions and paid placement. Search engine marketing is an umbrella that covers two wide areas in promoting a website. The two areas under SEM are gaining website traffic through unpaid/free SEO efforts and getting traffic through paid per click search engine advertising. Search engine optimization is helpful in rewriting website content so as to achieve high rankings on search engine results. Paid search engine advertising only concentrates on paid components of website marketing.

(A). Search engine optimization).

There are a million of websites on the internet and all aimed at gaining more traffic. Search engine optimization is a technique that helps search engines to rank your website among the top search engine results. A clear definition is that SEO helps to drive traffic to your website. Optimizing your sites through the use of quality links and powerful content will boost your ranking in search engine results. When creating your website it is necessary to understand that quality links and not quantity will help gain more traffic. Many people opt to place 10 t0 15 links on their websites other than more than 1000 links of which will not be of any help. When looking for links, there are those SEO companies that offer a set of links at a certain fee. Ensure to be careful as some of these companies is spammers. The links will only make your site invisible online. Therefore, it is advisable to seek out links from other notable sites available online. Great sites do not like to linked to poor sites so it is vital to get your site to something worth linking. Choose keywords depending on the common words that people use to search your products online.

How search engine works.

It is particularly vital to learn and understand how search engines works. The basic truth is that search engines are not humans and that they are text driven. Search engines crawl website reading the detailed content of the site to find and get ideas on what the site is all about. Understanding how search engines work will helps in creating strong links and content for your website.

(B). Paid search engine advertising.

This method of website marketing is where by a search engine company charges a certain fee for the inclusion of your website in search engine results page. This method can also be referred to as sponsored listings, paid per click or cost per click. This service is commonly provided by search engine companies notably Google. As a website owner, you purchase ads from search engine companies which are place or linked to your site to help in driving more traffic.

The fee charged covers an annual subscription per webpage which is catalogued automatically on a regular basis. The fee structure provided acts as a filter to superfluous submissions and also helps in generating revenue.

How to increase website traffic.

There are many options available that can be used to increase traffic to your website. There are those that will cost money while some will not. To drive more traffic to your website, there are only three basic steps that should be done. The steps are the use of search engine optimation, building of quality links and getting help from reputable and legitimate companies at a reasonable fee. This steps are essential in improving the quality of your sites and building a strong online presence.

(1). Ensure to keep and improve on the quality of the content on your site. Users tend to go for the best information that would be of help in achieving or solving what they want.

(2). Have a fully functioning and running website with no breakdowns. Your tags must in their rightful place and links should not be broken.

(3). Add videos and photos on your site to help supplement your website content. The videos should be relevant and informative to your visitors.

(4). Take advantage of social media to get more traffic to your site. Create compelling posts that would attract people to comment on your updates and follow you.

How to advertise your business.

Advertising your business online provides the best way for your company to reach many customers. Many business assume that creating a website will help get more traffic. It needs some efforts to advertise your business and make high sales. Below are five ways that can be used in advertising your business:

(1). Develop a perfect branding strategy.

Give detailed information that you need the customers to know a bout your products, services or company. The internet provide a perfect customer base thus it is wise to utilize potential customers in your campaigns. Make use of your logo and trademark to boost your advertisement.

(2). Create your business blog.

A blog is highly vital to any growing business as it acts as an instant press release to your customers. Create perfect blog and ensure that updated are scheduled for a certain time. Include pertinent information about your company, profiles of employees, upcoming events and any other information.

(3).Take advantage of social media.

Social media provide a platform for companies to showcase their business. Use of social media for business is free and can be linked to your blog or website. Ensure to post compelling updates to gain more followers. Having many followers means that many people have an interest in you thus helps to increase website traffic.

(4). Website optimization.

Ensure that to use specific keywords on your website to improve its visibility in search engine results. This will boost your online presence and boost your web traffic. Users tend to go for the top results when searching the web. Top search engine ranking will certainly boost your traffic.

(5).Place targeted ads on strategic and vital locations.

Placing ads on principal and notable websites will help propel interest in your business. These ads should be linked to your website or social media pages. Google ad sense offers the best services in placing of ads. These ads are usually bought on per click basis meaning that you only pay when somebody visits the ad.

Top 7 tips to save on auto insurance.

Saving money is everybody's wish, and no one would want to spend more than they expect. Car insurance is one thing that
can consume much of your income. Many people are tempted to pay for their car insurance monthly because it is more manageable or cheaper. Some insured drivers pay the insurance monthly thus cumulatively handing the insurance company unnecessary payments. On matters about insurance, car owners should understand that there are many opportunities in auto insurance to save money. You many be surprised with the many different ways available to use on saving money on auto insurance. Below are top seven money saving tips to utilize when insuring your car:

 (1). Conduct a research.

  Auto insurance industry is intensely competitive because of the availability of many companies that offer these services. Doing due diligence will be wiser to help in finding the company that offers the best rates. Visit as many insurers to check on their services, discounts and quotes. In most cases, there is a vast difference in premiums offered by insurers.

 (2). Get higher deductibles.

  The deductible is the amount of the claim that a car owner is willing to pay. It is advisable to try your best and choose the higher deductibles since it helps in reduction of your premiums on your comprehensive insurance and collusions. This is one of the easiest ways available to use in cutting auto insurance cost.

 (3). Buy a lower profile car.

  Usually the cost of your car determines the amount of money to be spent in insuring it. It is expedient to put in mind that some cars attract thieves while some are devilishly difficult and expensive to repair. Such cars will cost much when it comes to getting it insured. Therefore, to save much on your auto insurance it is wiser to go for a car that has a lower cost.

 (4). Take advantage of low mileage discounts.

  Find out an insurance company that offers low mileage discounts that are best for you. There are some companies that give discounts to those who drive short distances to work. These companies will substantially be of help in your efforts to cut the cost of your auto insurance.

 (5). Use of security devices.

  It is worth to install security devices on your car to keep away thieves. As a car owner, you can install an alarm system that shut off your fuel pump or disables your starter. Use of vehicle tracking devices on your car is also an added advantage. Most insurers evaluate and acknowledge the effectiveness of such devices and in turn give discounts.

 (6). Check out discounts offered.

  Most insurers have a wide variety of discounts to offer since there are seasonal, periodical and holiday discounts. Insurance companies tend to give discounts to drivers whom they think are genuine risks. They usually go for drivers who at least have some kind of insurance on them. There are those companies which offer package discounts to those who carry both policies with them.

 (7). Insure under the same company and policy.

  For those who own multiple vehicles, it will be advantageous to insure them under one policy since it saves on your cost. Purchasing home and auto insurance policies from the same company will gives a discount on both policies.

  The seven tips highlighted above are best to use, but there are other things to consider or use in cutting off the cost of insurance:

 (a). It is not worth to pimp your ride since many insurers will not cover a customized car.

 (b). Make sure not to lock keys in your car or if so you must have spare keys. Good maintenance of your car also boosts your efforts in saving.

 (c). For those who rent cars, it is advisable to remove car rental since your insurance will cover you while riding the car.

 (d). It is also wise not to pay your insurance monthly. Most people advise that it cheaper to pay at least every six months or for those who pay monthly make sure, not to auto pay.

 Conclusion.

 Insuring your vehicle can consume much of your income if not planned well for with the use of appropriate ways. Cutting the cost of your auto insurance requires your efforts and knowledge to succeed. Making wise decisions and going for the right options will tremendously boost your efforts in reducing your auto insurance.

Best tips for designing a website.

Introduction.

Creating a perfect online presence starts with the quality of your website. Websites are used to showcase your business online and to let people know more about you easily. The look of your website gives a customer the first impression about you. Designing an effective and high quality website will boost your traffic flow thus increasing your customers. Below are web design tips that will help you create a perfect website for your business:

(1). Picking a domain name.

Pick a domain name that is easy to remember. Many people have got used to seeing addresses beginning with "www". Ensure that the functionality of your website is proficient with or without this famous subdomain.

(2). Web hosting.

You must check all the packages offered by website hosts to find the best one. The features of their packages will determine your cost therefore, it is your responsibility to choose on the right package. Test the performance of your website host to ensure their services are of excellent quality.

(3). Target audience.

As a web designer, you should always give priority to the users. Focus on the users needs for easy usability and accessibility. Giving your users a pleasurable experience will always increase your visitors.

(4). Navigation links.

Using clear and consistent navigation links determine how long a visitor stays on your site. Your navigation structure should be neat and flexible to give room to any amount of additional links. Place all your main links at prominent places.

(5). Website design layout.

Use lot of white spaces to enhance your site`s readability. It gives a sense of quality and serious work. Arial and verdana are the commonly used and always portray a professional look to a site. Your fonts should be available in all computers so as give your site a fresh look. Ensure that your design is optimized for the web for easy loading. You may have a decent looking website but takes time to load.

(6). Quality resolution.

Computers have come with different types of resolutions to suite peoples interest. You must design stretch layouts that fit any resolution to ensure that your users view an appealing site. A site that is easy to use will always encourage visitors to read your content.

(7). Browser compatibility.

Ensure your site is browser compatible. It must function well in all top browsers like Google chrome, Internet explorer, Mozilla Firefox and opera. Test your website using all these browsers to ensure that it works well with all of them.

(8). Program your site using pure CSS.

Pure CSS gives excellent accessibility and re usability of your site. It reduces the file size giving a superb look of your site. Use all the CSS style effects to enhance the look of your website.

(9). Testing.

It is extremely vital to carry out a test on the accessibility and usability of your site during the design phase. This will help you improve on your site and make any necessary chances.

Conclusion.

A quality website will improve your number of visitors. Considering the above tips when building your site, will help you in a great way. Good and quality websites give the first impression of whom you are.

What are champagne diamonds?

Introduction.

Diamonds come in different types to suite people interest and desire. Champagne diamonds are one of the common and precious type of diamonds. They are naturally colored diamonds produced in a wide range of colors. Their color is created by the many mineral contaminants found in clear diamonds. These minerals combine in such away to create a sparkling brown hue. Their colors range from light straw to rich cognac.

History.

Argyle Diamond Mine in Western Australia is the world's largest source of champagne diamonds. East Kimberley, where the mine is found, is a land of mountain ranges and arid savannah where lamproite pipes and diamond ores lie.

Australian Aborigines, the traditional owners of the land in the East Kimberley, believe that the escape of a barramundi fish from spinifex net led to the formation of the diamonds. According to the myth, the colors of the diamonds mined from the region come from the different parts of the barramundi fish colors.

The communities in the region work together to provide a healthier living and ensure that the rights of the original owners of the mines are observed.

Types of champagne diamonds.

The champagne diamonds are also commonly referred to as brown diamonds. They can be identified in two different types; chocolate diamonds and cognac. All brown diamonds can be classified as champagne diamonds as long as they have the brown shades on them.

Identification of champagne diamonds.

One can easily identify champagne diamonds by looking on their color. Champagne diamonds range from light color to dark brown color. They may contain traces of pink making them cinnamon diamond or green on them making them clove diamond. They will always sparkle under the light and have a clear hue of brown on them. True champagne diamonds are not opaque, but they do reflect light. One should be able to determine whether the colors are induced or natural since they can be treated to bring out pink colors.

Grading of champagne diamonds.

Champagne diamonds can be graded differently according to the features they possess. These features enable easy comparison and evaluation of these diamonds. The features are commonly referred to as the 4Cs. Each "c" stands for a feature:

(1). Color refer to the intensity of color that a diamond possesses. It also refers to the lack of color as seen on some diamonds.

(2). Clarity refers to the state of a diamond`s freedom from blemishes and inclusions like dark spots and cracks.

(3). Cut -refers to the symmetry and proportions on the diamond`s face. This is fashioned during the transformation of a rough diamond to a polished one.

(4). Carat -this stands for the standard unit of weight for diamonds. One carat is the same as 0.2 gram and one carat is equal to 100 points.

When choosing a champagne diamond, one should consider the 4Cs to choose a quality and genuine diamond.

Using of champagne diamonds.

The colors of champagne diamonds are warm and suit all skin tones. They can be mixed perfectly with other types of diamonds to create an appealing effect. They can be used to make men`s rings and cuff links.

Successful online business growth with internet packages.

Marketing a business can be a extremely hard task if it is not well planned for by business owners. The use of the internet is one way for business owners to showcase their business online. Many brand owners use the internet to promote their products and services. Internet marketing packages is a vital tool for any business owner to market their company. Internet packages will help have drive the desired traffic to their website.

Importance of internet marketing packages.

(1). Through Search Engine Optimization, they help your business to appear on the top search engine results. This improves your traffic as it is obvious for people to go for those that appear on the first page of results. They understand how search engine works following the algorithms that will help to improve your business ranking online. Your business being ranked among the top search engine results boosts your visitors.

(2). They research on your competitor who appear on the first page of engine results. As a business owner, it is necessary for a brand owner to learn and understand their competitors as this helps them to know how they manage their business. Try to understand their marketing tips and collect information about them to help you in your marketing. This helps you to know your performance rating with your competitors.

(3). Internet marketing packages help your business to run good and effectively. A well managed business website gives the first impression of your business. Visitors will get attracted to those websites that are well managed. The internet packages will help to convert all your leads to sales and improve on your customers daily.

Internet marketing packages are vital to any business owner to improve on their online presence. good and perfect online presence will improve on the traffic to their business thus boosting their growth. Internet packages are a vital tool to give increase your online sales.

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Introduction.


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Discussion.

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