(LOS ANGELES, June 23, 2016) — Worldwide Business with kathy ireland® announces an exclusive interview with Brendan O’Brien, Co-Founder and Chief Evangelist of Aria Systems. The interview will focus on Aria Systems’ introduction of a long-term approach for cloud billing and monetization to increase recurring revenue for companies.

Aria Systems is headquartered in San Francisco, California. Founded in 2003, Aria Systems is purpose-built to deliver unlimited monetization opportunities, maximize returns from every customer event (including billing, provisioning and servicing of products) and accelerate customers’ time-to-market.

O’Brien discusses how Aria Systems removes billing bottleneck. He says that his company approaches the problem of recurring revenue billing from a customer’s point of view, rather than the traditional transaction-centric approach.

O’Brien explains, “In a recurring revenue model, you need to make sure that you are elevating customer satisfaction at all times. Doing that well means having a full, 360-degree view of your customer at all times, and being able to react to all of their behaviors in an appropriate way. If you do that well, you keep customer satisfaction up. And if you keep customer satisfaction up, you keep customer retention up.”

In today’s technology-driven society, Aria Systems provides endless self-service cross-sell and upsell opportunities for businesses.

JL Haber, Vice President of Programming for Worldwide Business with kathy ireland®, adds, “Aria Systems is so valuable for generating revenue streams. They have truly proven themselves as a leader in the industry. We are so excited to feature Aria Systems on our show.”

For more information about Aria Systems, visit AriaSystems.com and tune in to Fox Business Network as sponsored programming at 5:30pm EST and Bloomberg International at 7:30am GMT, 10:30am D.F. and 3:00pm HKT on Sunday June 26, 2016.

About Worldwide Business with kathy ireland®

Worldwide Business with kathy ireland® is a weekly business television program featuring real-world insights from corporate executives from all over the globe which can be viewed on Fox Business Network as part of their sponsored programming lineup, as well as internationally to over 50 countries on Bloomberg International. 

Visit www.tvwwb.com for detailed airing schedules or check your local listings.

Distributed by Worldwide Business with kathy ireland®

Media Contact
Company Name: Worldwide Business with kathy ireland
Contact Person: Gila Stern | Communications Director
Email: gstern@productiondivison.com
Phone: 561-988-8550 x269
Country: United States
Website: www.tvwwb.com

(LOS ANGELES, June 23, 2016) — Modern Living with kathy ireland® announces an exclusive feature story about Ignite Funding, a company offering Americans crowd-funded investments secured through collateralized real estate.

Kathy Ireland interviewed Ignite Funding’s President, Carrie Cook, to learn more about their services and solutions.

Cook commented on why so many investors steer clear of the real estate market during the segment. She said, “I would love to know the answer to that. Why would they? Real estate is a part, and should be a part, of everyone’s portfolio. It’s not just stocks and bonds and mutual funds. Real estate is very, very important.”

She continued by speaking on what her company is doing to mitigate the risks of investing in real estate. She said, “Mitigating the risk is making sure that you are underwriting and the valuation of those assets are done diligently and efficiently and that you walk all of the properties. Also, making sure that you do not lend 100% to anybody. Who would do that? So lending 75% of what the value of that property is mitigates the risk for an investor if you have to take the property back if you are foreclosed on.”

JL Haber, the show’s Vice President of Programming, added, “I have often wondered why people are so scared of investing in real estate and Carrie answered my question. It is great that she is changing the game for real estate investors and investments.” 

Tune in to see the Ignite Funding feature story on Bloomberg International on Sunday June 26, 2016 at 7:00am GMT or click here.

About Modern Living with kathy ireland®

Modern Living with kathy ireland® is a weekly business television program featuring real-world insights from corporate executives from all over the globe.

Modern Living with kathy ireland® airs Thursday mornings throughout North America on E! Entertainment Network as part of their sponsored programming lineup and to over 50 countries throughout the world on Sundays on Bloomberg International as part of their sponsored programming lineup.

Distributed by Modern Living with kathy ireland®

Media Contact
Company Name: Modern Living with kathy ireland
Contact Person: Gila Stern | Communications Director
Email: gstern@productiondivison.com
Phone: 561-988-8550 x269
Country: United States
Website: www.modernlivingtv.com

“Blockchain” a technology appeared along with digital currency,its subversive influence on the existing financial is extensively discussed in industry.It is a technical proposal collectively maintaining one reliable database via the method of decentration and trust-revocation and currently been divided into 3 categories in Public Blockchain、Industrial Blockchain、private Blockchain.

IBM declared to support Hyperledger in 2015,is a project to co-create the enhancing Blockchain technology which can lead the global business transaction pattern via recognizing and dealing with important features of cross-sector and open standards of distributed ledger. Core elements of its design are smart contract,digital assets, record store,centralized consensus network and encryption Security. “Hyperledger” focus on production application.IBM opened over 440 thousand lines of data Blockchain technical source codes on GitHub, but bloackchian is the key technology of its distributed internet structure open source platform -Adept.

Enterprises as Intel、Microsoft、HITACHI、De Nederlandsche Bank、 Goldman Sachs and JP-Morgan announced their researches and studies based on Blockchain. According to the statistics,44 international consortium and international banks formed R3 Block chain Alliance and process integrated test of Block chain technology .

Blockchain is coming into public view and offering more possibility to this world.But as a newly raising technology,existing block chain cannot fulfill all needs in various and complex transaction.Scalable challenges, less support to Security mechanism and invisible transaction as well as other limitations makes it impracticable to many key businesses.

Being a common block chain platform,featured requirements as modular consensus mechanism,smart contract,function and extendibility,importance to privacy and secrecy should be emphasized besides regular features of platform like Ripple and Hyerledger .And its flexible timing can support all industries,it should be lightweight,modular,and with configurable component to realize extendibility .In this aspect,the evolutionary block chain”Californium”developed by QITS (Israel Quantum Intelligent Technology Limited) suport by Israel military industrial group .Technologically realized more breakthrough and fulfilled more industry demand as industrial application of new Blockchain.

CEO of QITS Eliot introduced that the open Blockchain technology “CF” sourced by IBM was adopted to underlying structure of “HyperLedger”,meanwhile 3 important modules as Quantum release ,Guadan match and route discovery were increased.This kind of evolutionary block chain “Californium”,as enhanced protocol of Blockchain common platform, supports all needs of competitive enterprises in same network. Core elements of this principal are smart contract,digital assets, record store,decentralized consensus network and encryption security.

Whenever enterprise or individual tempts to the smart contract of the enhanced block chain to their applications as intellectual property protection,property micro notarization, micro-electromechanical, inancial, agreement management and virtual resource etc,there is no need for them to spend much time setting up Blockchain by themselves. The Blockchain platform “californium” can be directly utilized to achieve convenient relevant applications.

Fonder of Davos -Klaus Schwab thinks of block chain as the fourth industrial revolution and it is a highly recognization to the fundamantality and subversive of this technology.In this trend,we can predict the Blockchain enhanced smart contract system “Californium” to be new generation of dark technology and bring historical breakthrough to common block chain platform advancement.

Media Contact
Company Name: Vanguard Hi-Tech co.,Limited.
Contact Person: Mr.Robinson
Email: hi-techadmin@yahoo.com
Phone: 610-4493507
Address:2906 west chester pike newtown sqaure PA19073
Country: United States
Website: http://van.hi-tech.org

The intense summer heat is just a few weeks away and with the global warming problems this year is likely to experience much higher temperatures. Before the summer hits in full force, ensure that you make your home ready to handle the increase in temperate levels. So, what should you do first?

This is the time to ensure that your air condition is functioning perfectly, so get a complete maintenance done. This way, if you test the HVAC system and find out that it’s not operating properly, you will have the time to find a solution to the problem before the blazing sun gets unbearable.   

When experts from leading HVAC companies like Trane, Air National HVAC, and Watsco were asked for suggestions to maintain the air conditioning system in perfect condition, here’s what they recommended.  

• Replace the air filter to ensure smooth functioning of the whole system.
• Clear any possible debris around or on the exhausts or vents and clean away the dirt from the main unit.
• Check for ventilation leakage.
• Test the complete unit to ensure that it’s functioning properly.

One of the experts said – “You can simply leave your AC on while you are away and to test it out. That will do the trick, though if you want a more detailed test, you can switch on the unit and check how efficiently it performs using a thermometer.”

If the unit is not working efficiently or properly, you might have to seek the assistance of a professional to diagnose the problem and find a solution. They will test the whole unit and see if the air ducts have any possible leakage.

Another expert HVAC technician clarified when it’s the right time to replace an air conditioning unit – “If your AC unit is more than 15-20 years old, you might consider replacing it with a more energy-efficient, Energy Star unit.” If you plan ahead, you can also get your air conditioning units for sale online which can save you a significant amount of money.

Overall, it’s great if your air conditioning unit is working perfect. If not, getting things set right is the first step to stay prepared for the quickly approaching summer.

Media Contact
Company Name: airnationalhvac.com
Contact Person: Mark Evans
Email: evansmark333@gmail.com
Phone: (503)928-7482 
Country: United States
Website: http://www.airnationalhvac.com/

Newmar Corp. has awarded Southaven RV & Marine its coveted CSI award for providing excellent customer service in the RV industry over the past year.

The Customer Satisfaction Index (CSI) Award is presented to RV dealers who scored highest in a pre-determined percentile based on results from independent customer surveys.

“You can tell if an RV Dealer has great customer service as soon as you walk in their door. I certainly get that feeling here at Southaven. Newmar is privileged to partner with dealers like Southaven who are as passionate as we are about providing excellent service to our customers” said Newmar CEO, Dick Parks.

Mark Hixson, President & CEO of Southaven RV and Marine, tells his employees, “This is all about you and I thank you! In everything we do, we are displaying our desire to better serve our customers.  Our constant training, new products, body shop, and enhanced parts and service center are all ways to enhance our customer’s experience.”

About Southaven RV & Marine

Southaven RV & Marine is the largest indoor RV & Marine showroom the country.  They have quickly become known for the largest indoor RV & Marine showroom in the country.  “We want to provide each and every one of our customers with that wow factor. Whether it be in offering parts, service or a new RV or boat, we’re here to provide an exceptional travel experience!”, says Mark Hixson, CEO, Southaven RV & Marine.

Contact Information:
www.SouthavenRV.com
www.SouthavenMarine.com

Media Contact
Company Name: Southaven RV & Marine
Contact Person: Jeff Turnbow, Chief Marketing Officer
Email: contact@SouthavenRV.com
Phone: 662.393.9948
Address:5485 Pepper Chase Road
City: Southaven
State: MS
Country: United States
Website: www.SouthavenRV.com

Perth, Australia- A home is usually the biggest investment that a person will make in their lifetime, and their choice of finance is often one of the biggest decisions they will make for decades. When it comes to finessing the mortgage of a home, a good mortgage broker could mean the difference between thousands of dollars, high interest rates, and a whole lot of headache. But finding a proper mortgage broker can be difficult, particularly for first time homeowners who aren’t quite sure what they should be looking for. Mortgage Hero is a new business website designed to help Perth residents connect with mortgage brokers and find the right one for their needs. Their website, http://mortgagehero.net.au/, is an easy way for Perth residents to learn about mortgage brokers, home loans, and to enlist the company’s services.

Mortgage brokers are a common sight between borrowers and lenders. In fact, more than half of the borrowers in Perth are currently using mortgage brokers in order to gauge the local market better and gain the best possible financing on their mortgages, according to recent studies. This number continues to rise, as brokers save customers time, stress, and above all, money. But a good mortgage broker, like those at Mortgage Hero, are also able to answer questions and explain complex situations in terms that the general public can easily understand. Mortgage Hero prides themselves on not only finding the best deals on loans, but for their high level of commitment to their customers. The company doesn’t pressure their clients into making choices they are uncomfortable with, and simply works hard to ensure that each homeowner they work with is getting the most out of their mortgage brokering service.

Mortgage Hero is a team of local Perth experts, who understand the intimate details of the local market, and even have loans of their own in some cases, giving them a better understanding of the position of their customers. The company stays connected with their customers in order to answer both simple and complex questions, and to reassure them throughout the overwhelming process. Those who decide to take out a loan with the company are not treated like another sale, but instead like a friend of the company, and a customer for life. Mortgage Hero differs from many other mortgage broker companies in the area, because of their commitment to their customers and their constant communication. The company not only returns all calls and answers all questions promptly, but proactively contacts their clients with updates as well.

“Once you’ve decided on the finance product that works for you, we’ll be there to help all the way from the pre-approval process, all the way to the settlement,” explains Tom Porter, a spokesman with the company. “We aim to take the weight off of the shoulders of our customers, and simplify the complex paperwork that many are unable to make it through on their own. Whether you’re a first time home buyer or you’ve been around the block a few times, it’s always a big reassurance to have someone to guide you through the various intricate steps of the process.”

Mortgage Hero, a new mortgage brokering company of Perth, prides themselves on their high level of commitment to their clients as they usher them through the home loan process. The company even goes so far as to periodically review the finance of their clients over time, which allows them to hunt for better deals along the way. Mortgage Hero understands that helping their customers, through their mortgage brokering services, is the best way to earn their trust, and get them on their way to the best home loan options for their needs. Perth residents in need of assistance with the mortgage process are invited to click here to visit the website for more info.

About the Company:

Mortgage Hero

5/17 Pearson Way

Osborne Park WA 6017

(08) 6316 0408

http://www.mortgagehero.net.au/

Media Contact
Company Name: Mortgage Hero
Contact Person: Sam Burnett
Email: info@mortgagehero.net.au
Phone: (08) 6316 0408
Address:5/17 Pearson Way
City: Osborne Park
State: WA
Country: Australia
Website: http://mortgagehero.net.au

Last year was a tough slog for people in the hedge fund business. Most hedge fund managers delivered their worst performance in years – with billionaire David Einhorn’s Greenlight Capital hedge fund being ranked among last year’s worst performers, and hedge fund mogul Bill Ackman’s Pershing Square Capital Management losing more than $2 billion on its largest stock holding Valeant Pharmaceuticals (NYSE:VRX). The industry’s performance was hit so hard that the number of now-defunct hedge funds that closed in 2015 is astonishing: almost 1,000, more than in any year since the 2008 financial crunch.

Regardless of whether or not the hedge fund industry continues to lose weight, one thing is obvious: with more hedge funds than ever before, it’s simply impossible for managers to generate meaningful returns. Only those who effectively progress in tandem with the constantly evolving industry will succeed, while stagnant managers will be forced to become more efficient or leave the industry.

The jungle mentality of Wall Street is “you eat what you kill”. It’s impossible to become wealthy without making your investors wealthy. Today, the guys who still have enough on their plates are “quants”, or quantitative hedge fund managers. Even in challenging market conditions, they still managed to make money using computer algorithms instead of fundamental strategies. Some of these quants solely rely on computer models and technical analysis to tell them what to buy and sell and when to do it, as James Simons of Renaissance Technologies, while others use quantitative approach in the decision-making process or to find trend patterns in the world’s data, as does David Siegel of Two Sigma Investments.

According to the just-published “2016 Rich List of the World’s Top-Earning Hedge Fund Managers” by Institutional Investor’s Alpha magazine, eight of the top ten earners on Alpha’s list fall into the “quant” category, and half of the 25 richest of the year are quants.

James Simons, a mathematician and former Cold War code breaker, has made an estimated $15.5bn from his mathematics-driven “quant” Renaissance Technologies, a hedge fund he set up 34 years ago. Simons, 78, who retired as CEO of Renaissance in 2009, is the 50th richest person in the world, according to Forbes, and is one of the biggest winners (No 2) in the 2016 “rich list” with estimated 2015 earnings of $1.7bn.

Last year, David Siegel, 54, a computer scientist and co-founder of Two Sigma Investments, one of those quants, announced that one day “no human investment manager will be able to beat the computer”. Almost a year later, Siegel manages more than $35bn. He qualified for Alpha’s “rich list” for the first time this year and debuted at No 7 with 2015 earnings of $500m. Two Sigma’s Compass Enhanced Cayman Fund and its Absolute Return Fund both returned 15% (after fees) last year, when many actively managed hedge funds posted losses or weak returns.

This data shows the possible transition in the hedge fund universe from the traditional active management model – with hedge fund managers screening the markets in search of undervalued investment opportunities and then betting on them – to the quant age where investment management is outsourced to trading robots and complex computer models. In this new digital era of quantitative finance, quants couldn’t care less about a company’s intrinsic value or its fundamental position, as long as their quant models clearly point to a window of opportunity.

Top quant hedge funds with billions of dollars under management represent just a small fraction of all quant firms but manage the lion’s share of the invested capital. Clearly, within the extremely competitive universe of hedge funds there are smaller quants that can outperform even seasoned investment managers, but picking them is not an easy task in an overcrowded environment. In addition, risk-avoidance and herd mentality are the reasons why most investors still prefer to allocate their money to well-established managers, yet multiple studies have shown that smaller funds tend to perform better than larger ones. 

One of these smaller quants, currency trading hedge fund firm Leman Capital Management (https://lemancapital.com), earned a record 62 percent return in 2015 when most funds lost money. Since 2013, Leman’s BVI-domiciled Quant Fund has returned an average 41 percent (net of fees) per year, including dividends. According to MarketWatch, 2015 was the third year out of the past five that the firm’s total return has increased considerably compared to the previous period. The firm is a big focus again this year, with five consecutive months of positive performance.

So far this year, hedge funds that rely on computer-driven trading have continued to produce some of the highest returns in the industry. If this trend carries on through 2016, it won’t take long for the hedge fund world to acknowledge that Siegel was more than correct with his prediction.

Media Contact
Company Name: Quantitative Finance Laboratory, Humboldt
Contact Person: Irma Horst
Email: ihorst@berlin.com
Phone: +493044715322
City: Berlin
Country: Germany
Website: http://qfl-berlin.de

Integrity Works, a new supported employment program from the non-profit organization Integrity, Inc., will provide vocational assessment, job training, and career placement services for adults in Central Arkansas with intellectual and developmental disabilities.

The Integrity Works program is based on the Employment First policy, which states that all individuals with disabilities find meaningful work, and become more independent, integrated, and productive members of society. The new program is part of Integrity, Inc.’s ongoing mission to help individuals with disabilities gain the skills and confidence they need to live as independently as possible.

“Integrity is excited about this opportunity to provide supported employment services to the citizens of Arkansas,” said Sandy Leonard, director of Integrity Works. “Integrity firmly believes that all people regardless of ability have the right to work and be productive in their community.”

Through a vocational assessment, Integrity, Inc. discovers an individual’s strengths and talents in order to match them with the appropriate training and employment options that fit within their interests and abilities. Integrity Works offers extensive learning opportunities through internships, volunteering, and work-based experiences where individuals can develop work-related skills in integrated community settings.

There is ongoing support during each step of the employment path, from vocational assessment and initial on-the-job training to continued job coaching throughout an individual’s employment.

About Integrity, Inc: Integrity Inc. is a Little Rock-based non-profit organization providing a variety of in-home care, habilitative therapy, and community-based services for children and adults with intellectual and developmental disabilities. We use a person-centered philosophy that incorporates the best aspects of theoretical approaches while emphasizing personal achievements in a highly supportive environment. For more information, visit IntegrityInc.org or call 877-452-9504.

Media Contact
Company Name: Integrity, Inc
Contact Person: Sandy Leonard
Email: sleonard@integrityinc.org
Phone: 877-452-9504
City: LITTLE ROCK
State: Arkansas
Country: United States
Website: https://www.integrityinc.org/integrity-inc-launches-new-supported-employment-program-called-integrity-works/

Since the Chinese State Council released an official document on April, 2016, the reorganization of financial industry, especially P2P, get started. The Chinese Financial Ice Age had begin. Such phenomenon is not alarmist. Today man should think beforehand in terms of anything. Chinese present financial development history is still relative short. During recent decades, comparing to the revolution of international finance, Chinese finance has huge difference in either quality or quantity. The other foreign markets started step by step and gradually grew stronger, whereas China started straight without any preparation. Such difference directly resulted in the particularity and individuation of Chinese finance industry, which on the one hand, open and develop under self protection; on the other hand, connect to the international market. However, things never happen the way man imagined. The integrating and connecting process unavoidably result in many problems. So people who work in finance industry should not blame on the slow pace or gradual development of Chinese finance, the country is already flying.

Still remember the many events that happened during the development history of Chinese finance? Every time when a new finance channel opened, it’s always accompany by ups and downs, which would normally last 3-5 years, some even requires 10 years, to slowly get on the right track. The introduction of Stock, Corporation System, Financial Products, Stock Index, Futures and Derivative, etc, had all went through difficulties. So if an newly released merchandise jumped into the market, it’s better to leave it along for the first few years. Man need to observe it carefully and see how others deal with it. Standing outside the circle could help man gain a wider perspective. In the most recent decade, International financial channel project rapidly emerged one after another, which led to the financial chaos we are facing today. The government could even change its’ newly released policy overnight. Still remember the Circuit Breaker at the beginning o 2016, which was as ridiculous as a joke. Furthermore, the deposit of Bank’s Foreign Exchange has opened and closed over and over again in almost a decade, which still haven’t completely open today. The switch to Capital Account and the internationalization of Individual project has slowly turned up. At the turn of the century, in the year of 2000, the allowance of individual exchanging foreign currency was just 1000 dollars per year. Today the limit raised to 50,000 dollars. Moreover, the country is preparing on open unlimited quota as pilot project in six cities. So we need to deal any new things in a patient and professional perspective. We could occasionally follow the crowd, but do be careful not to be drowned within the trend. Do not throw yourself in, nor acting active and cut your only way out.

So the reorganization of Chinese financial industry, which would last for a entire year, covering institutions including bank, all kinds of financial organizations and individuals, is not that simple as you thought it would be. For people who is running an industry in today’s financial market, you have to think about the problem in a larger picture and prepare beforehand. Or you could end up losing everything without knowing what just happened, becoming the sacrifice of policies. The scale and involving participants of this year’s reorganization is beyond any historic level. Maybe in the next few years, people who planned on fish in troubled waters won’t live in peace any more, or even be kicked out of the industry. For people who haven’t step in the industry yet, you need to observe today’s situation with cautious attitude, in order to better prepare yourself for future development and personal planning.

Media Contact
Company Name: Jinyitong
Contact Person: Xu Haonan
Email: hegui@vip.163.com
Phone: 4000830855
Country: China
Website: http://www.jytlive.com/JytSpecial/Course/xhn/index.html

When we learned fairly amount of theories, understood various techniques, why we still can not gain profit through trading? Why we losing money all the time? After all, the most important reason is you. The key problem is your capacity to execute. Such matter appears when you haven’t analyzed data in a right way, or you haven’t obey the trading rules, or you don’t have enough understanding on bigger picture which would result in your late reaction, etc.

Execution is defined as the ability you accomplish goals thoroughly and solving problems effectively. It is also a kind of discipline, is the foundation of strategy. Many outstanding men possess smart brain and exceptional intelligence. However the very few elites are the ones who understand how to execute. Knowing great ideological strategies and making big plans are not enough. The only way to success is to carry through strategies and plans thoroughly. This is what execution stands for. There is no success without execution. Everything is empty talk and delusion!

Executing is strategic but not tactic. The power of execution could only gained through practical practice. No one learn about executing by just thinking about it. One possible method to unite your knowledge and action is to combine your capacity in analyzing data and executing actions. This is the only way you could grow stronger! The key to any kinds of sufficient strategies is execution, it is the most necessary element if you want to do things right. It has to be the core in your trading. The reason why you couldn’t gain profit via transaction and wandering among endlessly defeats is your lack of decisive execution.

As for excellent traders, execution is not just the expression of one outstanding characteristic, but the combination and representation of various qualities. As a professional stock trader or investor, it’s not just about creating a trading system that suits yourself. You need to strictly follow your own system, which furthermore confirms the famous motto: Planning your trade, and trading your plan! It’s fairly easy to make a set of trading plans. However, the core is how to trade your plan, which is the way one examines the true standard of whether you are a professional trader or not, and the basis to decide whether you are a trader or not. Execution is the scale to judge whether one qualified for a professional trader. The one and only way you could understand execution is the endless strict self-improving practices in practical procedures. You have to train yourself until one day immediate and exact execution becomes your instinctive conditional reflex.

Execution decides your life or death within the trading market. Do not find yourself excuses for your wrong decisions. What wrong was wrong. Correct the mistake immediately! Anytime when the situation do not fit the condition to buy in, it’s the right timing to sell out.

Media Contact
Company Name: Jinyitong
Contact Person: Chen Haitao
Email: hegui@vip.163.com
Phone: 4000830855
Country: China
Website: http://www.jytlive.com/JytSpecial/Course/cht/index.html

At the end of 2015, Federal Reserve announce the decision to raise interest rates, which stands for the beginning of normalization of American monetary policy. Moreover, in recent FOMC (Federal Open Market Committee) meeting, the Federal Reserve president Yellen indicates that in the year of 2016, the Fed might conservatively raise interest rates twice. The change of monetary policy is based on the recovery of American economy. In this case, Fed decided to make such decisions to support a normal and healthy development of the economy. Moreover, to prevent possible consequences caused by overheated economy and the rise of interest rates. However, the path toward currency’s normalization haven’t end yet. American economy is still at certain level of risk. But according to recently announced related American economic data, the situation is fairly positive.

Due to the explosion of American economic crisis in 2008, which resulted in the obvious problem of international economy, world economic entities like Europe, Japan and China had one after another relative big economic problems. Furthermore, there is one similarity through the world economic developing history, which is what Fed had took action, quantitative easing. Generally speaking, it means keep printing money and put them into the market to stimulate economic development. Economic entities like Europe, Japan and China undoubtedly use similar methods dealing with likely situations. So in recent years, world economy have been keep using relaxed quantitative easing policies to stimulate the market. Currently as Fed started to raise interest rates, which stands for a steadier development of all world’s great economic entities, the future development will stay in similar pattern. Fed is just the beginning. What matters the most is that a better vision in world economy signifies a growing consumption of crude oil. Historically the crude oil price became very cheap when economic crisis occurred. On the contrary, during the time when economy goes up in fast pace, the crude oil price would rapidly increases. Today the world economy is going stabilized and gradually growing, the oil price, under the recovery of world economy which will lead to an increasing consumption of the product, has the possibility to grow in the future.

Currently the world major economic entities are located in the north hemisphere. The golden season of north hemisphere’s economic development is during the second and third quarter. So since the first quarter, the crude oil price started to increase gradually, and developed in the second quarter. Whereas during the transition from the third quarter to the fourth, the world economics’ slower developing pace would affect the growing trend of crude oil demands. Furthermore, it would affect the increasing oil price. Plus the advanced predictability of financial market on economic development, the increasing potential of crude oil market will start to drop off after July. And it’s fairly possible that the cruel oil price will fall into a decreasing cycle.

Therefore during the time working in the crude oil market, man should closely focusing on the economic and seasonal causes. The research and development department of Jin Yi Tong had grabbed the general trend of the oil market. We had made investing plans in terms of the first and second quarter for our customers. During the first quarter, we predicted the American crude oil index 6700 would raise from 35 dollars to 45 dollars. And we had reached the target. During the second quarter, we expected the price would rise from $44 to $52. Again we accomplished the goal within the predicted time frame.

Media Contact
Company Name: Jinyitong
Contact Person: Lao K
Email: hegui@vip.163.com
Phone: 4000830855
Country: China
Website: http://www.jytlive.com/JytSpecial/Course/lk/index.html

Since June, 2016, the World Bulk Stock has again growing volatile. One important reason that triggers such floating prices is the approaching of United Kingdom’s EU (Europe Union) Referendum, as well the rapidly increasing rate of UK citizens’ supports on Brexit. What strikes the world most was the attacking death of a female senator who supports staying in EU. Afterwards, the fierce debate on Brexit finally cools down a little bit.

What could be the possible reasons behind the supporters of Brexit? Today under the situation of exceeded world capital, the risk between neighboring countries is growing big. One of the major reason which drives Brexit is the European immigration policy. The United Kingdom has always been strongly fight against the relative flexible immigration policy raised by EU. Under the background which the world economy growing in slower pace, UK wanted to prevent it’s own economic profits shared by other EU countries. Another reason which cause in today’s situation is the European financial policy. UK showed great concerned in terms of the laid out of the execution of EU’s financial reformation. Which at certain level reflect the increasing demand on financial revolution on the condition that the effect of currency inflation is decreasing.

Though Brexit could cope with certain stress mentioned above, it would still have fairly amount of costs, which might result in a further more frustrated situation. At the economic level, Brexit might cause negative burdens on both UK and EU. Today almost half of UK’s export comes from EU. From the perspective of investment, UK possess 10% of EU’s FDI (Foreign Direct Investment), whereas EU occupies about 40% of UK’s foreign international investment. At the time the economic bonding between two big entities breaks up, the interest rate of these commodities would raise. At the same time, the wall to non-tax trade grows higher, and those investing privileges disappear. In this case, the trading demands decreases, and the importing costs would increase. No matter to the UK or EU, Brexit would unavoidably result in economic burdens. On the other hand, Brexit will cause consequences at the political level. Since the unification of European countries, EU had become the second biggest economic entity right after the United Sates. However, Brexit would end up a decreasing influential in terms of Europe.

As for world market, UK’s EU Referendum is acting like a time bomb. The result would undoubtly effect the stabilization of Euro frame and the development of EU countries. Most importantly, if UK successfully walks away from EU, it would create a precedent for entire Europe, whereas such action is more unacceptable for Euro zone. Once such exit get started, there would be more countries walking out of the door of EU. After all today’s EU’s economy is a mess. The possible consequences caused by Brexit might not just the later recovery of Euro zone, it’s its’ survival problem.

So how would Brexit effect on the world crude oil market? For bulk stock like crude oil, its’ major purpose is consumption. The origin of consumption is the development of economy and industry. If the stabilization of Euro zone get interrupted, the economic development would be undoubtly affected. Or it could even go backwards and walk into further depression. As for crude oil market, the consumption of European countries will drastically decreases. The crude oil price will face dramatically falling. If the EU Referendum eventually decides to not to Brexit, it would be a great news for a better development of European economy. And the crude oil price will increases as well.

Media Contact
Company Name: Jinyitong
Contact Person: Liu Guoqiang
Email: hegui@vip.163.com
Phone: 4000830855
Country: China
Website: http://www.jytlive.com/JytSpecial/Course/lgq/index.html

Traders are fairly flexible. They don’t have to deal with social relationship, nor rent a floor of expensive office in the center of the city. They don’t even need any customers at all. All they need is an internet cable and a computer, and get started on their trading life. They could live and work in any place around the world, leaving everything behind and just focusing on trading.

Many people dying for such kind of life. They want to be a trading king like Jesse Livermore. They want to become trading master like Xu Xiang, or trading genius like Liu Qiang (Legend in Chinese futures market). However, the ones who are really successful are rare and precious. The amateurs only knows about staring at the floating K lines days and nights. They observes millions Yuan jumping up and down, but couldn’t make one single decision in tearing hurry. At the time when they eventually decides to place an order, they starts to worry about losing money in fear and trembling. The major enemy of speculators usually hides inside themselves. Working as an amateur, when the market shows any disadvantaged signifies, they would pray that every day is the last day. Then they would blindly follow the guidance of “Hope” and “Greedy” without hesitate. It’s very difficult for them to accept their first loss. Therefore, at the end of the day, they would lose even more.

There is nothing new in stock market. Man has always been greedy, likewise the market keeps floating up and down. Just like any other industries, there are some basic characteristics shared among successful traders. The essential quality is being capable of clearly recognize the general trend of the market, and immediately executing necessary actions, trying to always stands on the same side with market. If you realize that you stands on the wrong side, you have to correct yourself directly. Seeing through the big picture and sufficiently reflect to the changes is the basic quality for all successful traders. The succeed in trade is based on how man comprehend the essence of technical analyze and strictly obey the rules. Among the marketing technical analyzations, trend is the core concept. The essential rules is to obey the disciplines.

For general traders like us, becoming a successful trader is not as easy as just following how those great men had down. We have to jump into the market and keep practice no matter what kind of difficulties stand in front of us. All trading techniques, trading disciplines or trading attitudes would increase within the process, fighting with and against the market. We could slowly get better knowing of ourselves along the way. At the same time, we would gain better control on the market. Our skills improves naturally in our reflection every time.

The trader’s path is so long that we won’t be able to see the end. We should give ourselves more time, likewise offering market more. It’s necessary to have a clearer self recognition and be able to exceed ourselves. At the end of the day, we would need to sincerely face the market and face ourselves. 

Media Contact
Company Name: Jinyitong
Contact Person: Qiu Hongfei
Email: hegui@vip.163.com
Phone: 4000830855
Country: China
Website: http://www.jytlive.com/JytSpecial/Course/qhf/index.html

RayPCB.com, a printed circuit board manufacturer from China, recently started offering PCB manufacturing solutions for disparate industries. The owners said the flexible PCB, or flex PCB that they are offering now is a special pattern of printed circuitry that uses an elastic base material. The owners also added that the base material may come with or sans flexible cover.

According to the owners of RayPCB.com, the flexible assemblies can be fabricated and prototyped by using the same base materials used in rigid PCBs. However, they claimed that the PCB is allowed to take the desired form and shape during the application of the base materials.

When asked about the applications of the flexible PCBs, one of the sales managers told that the flex PCBs are widely used by electrical and technology product manufacturers and OEM suppliers. He also added that the flex PCBs that they manufacture can also be used now in high-end and sophisticated components.

“These days, flex PCBs are widely in use in portable electronics manufacturing industry, especially in manufacturing of hard disks for PCs, desktop printers and various other devices. We believe that the flexible PCBs that we are manufacturing can yield huge profits for us”, the sales manager expressed lofty hopes while commenting on the new offer from the flexible PCB manufacturer.

RayPCB.com, or Rayming Technology, now manufactures and supplies flex PCBs for diverse industry segments, including but not limited to consumer electronic manufacturing, communications, medical, automotive, aerospace engineering, and military equipment manufacturing.

Taking cue from the recent sales data, the sales manager commented before the press that their custom prototyped PCBs are now high in demand in the transport sector. “In transportation industry, flexible PCBs are much sought-after as they have higher resistance to movement and friction compared to the rigid PCBs. Our sales data shows that the flex PCBs are selling quite well and we expect the revenue figures go up in the next quarter of 2016”, added the sales manager while explaining the benefits of flex PCBs to a group of press correspondents here in Shenzhen, China during a press conference. He added that they are now offering free and no-obligation quotes to their clients.

About the Company

RayPCB.com or Rayming Technology is a China based flexible PCB manufacturing company.

For more information, visit http://www.raypcb.com/

Media Contact
Company Name: RayMing Technology
Contact Person: Media Relations
Email: Sales@raypcb.com
Phone: 0086-0755-27348087
City: Shenzhen
State: Guangdong
Country: China
Website: http://www.raypcb.com/

The civil group , ‘Journalists Against Corruption and Iniquity’ pursued another investigation into the corrupt practices of Victor Yanukovych, ex-President of Ukraine.

It has been two and a half years since the team of Victor Yanukovych fled Ukraine. Ex-President`s circle managed to flee the country and to withdraw assets. Both high-ranking fugitives and their skim millions are wanted on the international arrest warrant.

According to information that Ukrainian journalists received from the law enforcement bodies, the Security Service of Ukraine has already compiled dozens volumes containing descriptions of criminal schemes used to withdraw funds from the country. One of the highlights of this remarkable governmental fraud is legalization of the Yanukovych family`s assets in the US through professional developers specializing in high-end real estate.

Jody Kriss, Principal and co-Founder of East River Partners LLC and ex-Financial Director of Bayrock Group, is one of these experts. In early 2000s Bayrock Group, the real estate investment and development company, worked on a number of properties, including Trump Soho and Trump International Hotel&Tower in Fort Lauderdale, Florida. As reported by New York Post, Jody Kriss is famous for his contacts with post-Soviet criminal world. Prosecution Services of several post-Soviet states are currently investigating clues of money laundering and investing funds in the US real estate. Over the course of investigation, such names as Semion Mogilevich, Vyacheslav Ivankov known as “Yaponchik” Aslan Usoyan or Grandpa Hassan, and other famous post-Soviet mafia bosses, came to light.

The sources report the clues on million-worth investment of Victor Yanukovych, ex-President of Ukraine, and his family in the US high-end real estate are currently being followed.

Jody Kriss is assumed to have been legalizing part of money through investing in real estate in Brooklyn and Manhattan. In fact, during Yanukovych`s presidency Jody Kriss made several visits to Russia and Ukraine where, according to the investigators` official data, he met mafia bosses and was photographed with them. As reported by the developer`s own website, since founding East River Partners in 2010, Jody Kriss has worked closely in the development of eight properties in Brooklyn and Manhattan with a combined value of over $100 million.

Investigative authorities suspect that Jody Kriss used tricky schemes to conceal the skim assets through crowdfunding, private funds, and offshore structures registered in Delaware.

A graduate of the Wharton School at the University of Pennsylvania, Jody Kriss is known as VorTon in the criminal world.

Media Contact
Company Name: ‘Journalists Against Corruption and Iniquity’ Media Non-Profit Organisation
Contact Person: Andriy Shevchenko
Email: a.shevshenko@prukraine.com
Phone: +380962610738
City: Kiev
State: Kievskaya obl.
Country: Ukraine
Website: http://prukraine.com

Anna aims to empower smart, modern and independent women through meaningful and practical content.

June 27, 2016, Singapore – Since entering the financial scene more than 10 years ago, Anna Haotanto, Founder of The New Savvy, aims to empower smart, modern and independent women through meaningful and practical content. Specifically, she has a unique proposition – The ladies need dedicated and custom financial advice as compared to their male counterparts.

“Financial literacy and women empowerment is still lacking, especially in Asian countries,” explained Anna, “Women are not managing or investing their money enough.

It doesn’t help that there are very few or no media outlets that cater to them.”

Determined to close this gap, Anna launched the global web portal The New Savvy, a definitive financial and career guide for women.

“Women have different needs from men and can benefit from unique financial advice. 41% of women are intimidated by finance and do not invest. Information available can be complex, technical and often, exasperating. We simplify the process to save you time and efforts, by providing dedicated insights that are fast, fun and easy to understand,” added Anna.

Pic: Anna Haotanto. Founder and Managing Director of The New Savvy

The New Savvy advocates greater awareness and healthier financial habits for women. Because of their unique stance and strong following, Anna and her team have been featured in multiple major media outlets including CNBC, Forbes, The Straits Times, Business Insider, INC among others. Twice, Anna was even nominated and selected for Fortune Most Powerful Women conference in 2015 (next gen) and 2016 (Asia).

As she continued her career, Anna realized that still, many of her female peers did not know how to manage their money; they were simply saving their funds or allowing their partners to handle the financial aspects of the household. Anna also noticed a lack of media and outlets that were dedicated to teaching women how to empower themselves financially, particularly ones that weren’t filled with technical and financial industry jargon. She created The New Savvy as a financial and career portal for women with engaging and simplified language to facilitate the financial knowledge of women as they move through their career and life milestones.

The site features investing advice specifically tailored according to the financial climate and habits of women in Asia, focusing on Malaysia, Singapore, Indonesia, Thailand and Philippines.

It seems both women and men are keen on their ideas. In a year, they have managed to win the support of over 45,000 Facebook fans, their site garnering over 100,000 page views a month. Their email subscribers stand at over 20,000. Their Instagram? A staggering 9500 followers, not bad for someone in the financial niche.

Asked about what she thought of her journey with The New Savvy so far, Anna said, “It is not just about the financial education that we provide for our clients. It is not just about the workshops, talks or conferences that we will conduct for them. It is about how we can use this knowledge to make a difference or impact, to improve their quality of living. Many women have written or given me feedback on how useful The New Savvy has been and how it motivates them to be more financially conscious.”

Anna has 10 years of experience in the financial sector including wealth management, private equity, research as well as corporate and investment banking. Her previous work experience includes positions at Citigroup, United Overseas Bank, a regional role in Business Monitor and a boutique private equity firm based in Shanghai.

She is also involved in various charities supporting women and children causes. She was one of the main donors in the building of a library for underprivileged female students.

For more information about Anna and The New Savvy, visit http://thenewsavvy.com/. 

Media Contact
Company Name: Affiliate Hall™
Contact Person: Serene Teo Siat Ling
Email: serene@affiliatehall.com
Phone: 66339409
Country: Singapore
Website: http://www.affiliatehall.com

Recultivate strong，youthful and bright skin with the advanced anti-aging Hyal Premium Essential by Ariel Royce.

Imagine skin that is able to stand the test of time, which remains plump, taut and flawless no matter your age. That is the promise that New York anti-aging skincare specialist, Ariel Royce makes with its Hyal Premium Essential, an expert formulation that was designed with a clear vision. To banish wrinkles and fine lines, flight against oxidative stress and maintain a dynamic skin structure that helps keep the complexion strong and beautiful from the inside out.

The Hyal Premium Essential is a high concentration treatment that delivers preventive and curative action to aging skin and offers winkle correction, four key components make up youth-enhancing formulation, starting with the reparative process Powered by three highly absorbent active ingredient. This stimulates the production of niacinamide，Acetyl Hexapetide-8 and hyaluronic acid-keys to a more bright, taut and youthful mien. The technology works in conjunction with a restructuring complex that sparks a rebuilding effect, boosting the formation and function of collagen and skin’s density. 92% of women noticed their fine lines looked reduced and their skin looked more radiant.

Once the skin’s structure is repaired and its foundation rejuvenated, the unprecedented Time Lock System (TLS) kicks into preserve existing and renewed “youth capital” by controlling cellular energy efficiency levels. Meanwhile, the 3D Hyaluronic Acid methodology, which is at the heart of all Ariel Royce formulas, further optimizes cellular metabolism to kick-start the skin’s self-regeneration process. Hyaluronic Acid carries as much as 1000 times more moisture than ordinary moisturizing ingredients, which leaves skin soft, hydrated and glowing. Visible results are almost immediate and come in the form of a complexion that is smoother and whiter, firmer and more radiant.

About Ariel Royce

Established in New York, Ariel Royce is a science-based company: years of research and development with top experts dedicated to high-performance skincare products. In 2015, as the brand continues to pursue beauty, Ariel Royce travelled miles to bring its philosophy and technology to South Korea, where their laboratory is established to elaborately create products that are dedicated to Asian women’s skins. Now, Ariel Royce, at the forefront of innovation, utilizes the latest available ingredients and technologies to consistently release new products and improve existing ones. The skincare products are used by dermatologists, plastic surgeons, and medi-spas for daily homecare and to complement aesthetic procedures. 

Media Contact
Company Name: The Beauty Magzine
Contact Person: LAUREN VALENTI
Email: info@thebeautymagazine.com
Phone: 01 310-730-5603
Country: United States
Website: http://beautyeditor.ca/

In the evening of June 25, Dragon Howling China – big party for theme activity launch ceremony regarding Huanglongxi hosted by Cultural Tourism and Radio and Press and Publication Bureau of Shuangliu District, Chengdu and jointly organized by Shuangliu Cultural Tourism and Management Committee and Huanglongxi Ancient Spot Management Bureau was grandly held in museum of Huanglongxi ancient town scenic spot.

Theme activity launch ceremony of Dragon Howling China officially opened integrated arts cultural and entertainment activity and started tourism culture brand night activity in Huanglongxi. Relevant leaders of people’s government in Suangliu, Chengdu presented the opening ceremony of this activity on site. In the evening party, unique humanity and art and landscape of Huanglongxi and cultural connotation of Huanglongxi ancient town of “Appreciating Water in Huanglong·Valley Connecting Ancient Shu” were shown thoroughly, with about 2-hour performance! It covered various programs, including song and dance, music scene, ballad and collective singing, dance in Spring Festival Gala and Chuan-style talk show and exclusive special performance for Huanglongxi was tailored created.

Student Su Qifan in Yang Kun group of The Voice of China and Tibetan singer of new generation Caina Wangmu gave perfect performance and host was humorous Sichuan laugh-making star Dingdang. The scene was filled with high-spirited audience! Some local intangible heritage and folkloric elements of Huanglongxi are skillfully arranged into modern dance program, such as working song on Chuanjiang, fiery dragon, barcarolla, showing local culture, which wins warm welcome by audience! The party perfectly ended with the angelic voices of super girl!

     Conclusion of evening party of Dragon Howling China also marked the beginning of tourist culture night board in Huanglongxi! According to the introduction made by deputy director – Yang Bo of Huanglongxi Ancient Town Scenic Spot Management Bureau, a series of recreational activities would be played in Huanglongxi every weekend and “Huanglongxi’s night” would comprehensively offer excellent program, beautiful scenery and delicious food for tourists and people could enjoy themselves so much in performance, night scene, drinking in bar, taking boat, eating barbecue, listening boat song and setting lanterns and even forget to go home.

    Deputy Director Yang told journalist that Huanglongxi ancient town would make full effort to actively plan and implement various measures to optimize travel pattern in scenic spot, improve popularity of tourism for this ancient town and drive its tourism economy. Faced with tourism demand for theme activities in Huanglongxi ancient town currently, it becomes more and more difficult to attract tourists by using traditional scenic tourism. Opening of normal pattern of theme activity in Huanglongxi ancient town is to attract tourists with characteristics of night culture of Huanglongxi and to provide more comprehensive, wonderful and interactive traveling experience for customers, in order to improve attractiveness and competitiveness for tourism culture brand of Huanglongxi and create competitive route for travelling in Huanglongxi ancient town with characteristics.

     “Where is the nicest night scene in Chengdu? It is in Huanglongxi, an ancient town with thousand-year history”! A netizen sighed several years ago after having a night traveling in Huanglongxi. It was issued by Microblog in the form of picture and text and became a hot topic on internet one time. A casual Microblog of this netizen made night beauty of Huanglongxi become the focus again and the charm of night in Huanglongxi attracted attention of more people.  As an ancient town with 2100-year history and highest popularity among scenic spots in Chengdu, Huanglongxi is the sole famous historical and cultural town in Tianfu New District, only 18 kilometers away from Tianfu New District CBD, located in half-hour economic circle in main urban area of Chengdu. High-quality natural ecological resources in Huanglongxi completely showed ancient natural ecological scene of the land of abundance. Compared with noise and prosperity in old scenic spot of the first stage, the second-stage “Shanghequ countryside water village” which officially opened at the end of 2014 is more peaceful and elegant.

       Architectural style of the overall second-stage project perfectly reproduces the booming scene of ferry with shuttling ships and warship of ancient town in the past. Its design was inspired by essence of Riverside Scene at Qingming Festival and it showed the ease and leisure of “half of street and half of water, slow life mixed with water and song”. Architectures of “Shanghequ countryside water village” totally cover 41453.2 m², equipped with comprehensive supporting service of commercial activities, including boutique club, book bar, coffee and tea art, boutique inn (hotel) and saloon. Besides, EAF international direct purchasing and bonded center of the second-stage of Huanglongxi ancient town that was completed on January 5 of this year makes this millennium town connect with the world and further improve the core competiveness for Huanglongxi attracting tourists.

       When you are rambling in this millennium town with antique beauty and style, you can come to EAF to buy more than 2000 quality goods and direct purchase commodities from over 20 countries worldwide. The price is more reasonable and you don’t need to worry about buying fake! Moreover, culture and art studio of Moldova national pavilion displays artworks from all over the world and collects a large number of art treasures containing traditional Chinese culture. You will be indulged in and forget to go home!

      World’s Huanglongxi, I will see you there!

Video:http://v.ku6.com/show/QVBxfGCSU_fnf3k7-PNQxQ…html

Media Contact
Company Name: Dragon Howling China
Contact Person: Jone
Email: qlwbqmt123@163.com
Phone: 86-0531-85193231
Country: China
Website: http://www.qlwb.com.cn/

Search Treasure International (ST International) is based in Norway. In the face of emerging development and business opportunities driven by global internet commerce, ST International officially kicks off the development of internet-based online trading platform. It’s revealed that ST International has invested heavily in the construction of the largest online collections trading and auction platform, which, upon completion, will become a round-the-clock trading hub for collections enthusiasts from around the world.

It’s an integrated platform that will provide treasure seekers with purchasing, marketing and auctioning services, with which all online products will be appraised by connoisseurs of international fame, and main products are jewelries & jades, luxuries, antiques & collectibles, calligraphy & painting, stamps and coins etc.

ST International pursues aggressive innovation to existing mode of investment in valuable artworks, and create the first global online trading platform for value-added cultural and artistic works through perfect combination of art investment and internet-based finance by means of innovative method for cultural and artistic collections.

Art investment, together with other two major investment items of stocks and real estate, has become “third level wealth” , with return much higher than investing in equity and estate.

Authoritative report indicates that sales volume of global arts market hit €64.0 billion in 2015.

The data source is the most credible, transparent and inclusive TEFAF Global Art Market Annual Report, which suggests auction of cultural & historic heritages and artworks entering into a “new normal”.

In order to speed up global market networking, ST International has determined to base its Asian Marketing Headquarters in Taiwan, which will provide global customers with all-round services after establishment.

Media Contact
Company Name: ST International
Contact Person: ST
Email: service@stinvip.com
Phone: 263-1100
Country: Norway
Website: http://www.stinvip.com

The average person far underperforms stock market indexes because of investors’ inherent biases, and recent stock market volatility has refocused attention on the budding field of behavioral economics.

ALBUQUERQUE, NM – 6/27/2016 — The evidence is in—investors are their own worst enemies.

A widely-cited statistic from investment research firm, Dalbar, finds that the stock market returned 12 percent annually in the roughly two decades between 1984 and 2002, one of the longest bull markets in United States history. In contrast, the average mutual fund investor earned a paltry 2.6 percent for the same period.

The reason for such stark underperformance has a lot to do with investors’ inherent—and often unconscious—biases, say financial professionals. Indeed, recent stock market volatility, including the worst January performance start in history, has refocused attention on the budding field of behavioral economics.

Far from new-age, behavioral economics has proven itself a force in understanding how the conscious versus unconscious portions of the brain can affect financial decisions, and what may and may not lead to better investment decisions.

“One of the assumptions economists make is that individuals are fully rational,” Dr. Daniel Kahneman, a professor at Princeton, explained soon after he won the 2002 Nobel Prize in economics for his work in the discipline. “If you want an easy introduction to behavioral economics, it’s economics without making the assumption that [investors] are fully rational or that they have perfect self-control.”

The awareness of such irrationality in decision-making got a major boost from Major League Baseball as the subject of bestselling book Money Ball and the 2011 movie of the same name starring Brad Pitt. And while sports often provide the easiest examples of the possible effects of irrational decision-making, retirement planning is where it’s too often felt. Market timing, performance chasing, herd mentality and a host of other self-defeating behaviors can do lasting damage to even the best-laid and properly-prepared retirement plans.

“These behaviors, and the investment strategies that result, mean more volatility,” says Phil Gordley, an Investment Adviser Representative of AE Wealth Management, LLC, insurance professional and president of Core Financial in Albuquerque, New Mexico, who makes a habit of stress-testing pre-retiree investor portfolios in various market environments. “The investor might experience a gain in one year and a loss the next year, but potentially end up with an average return of 5 or 6 percent annually for an extended period. Yet there are strategies utilizing conservative investments and insurance products, like annuities, that may be able to give you similar returns without the volatility. In our experience, this type of approach gives our clients more confidence in their financial strategy, knowing that a portion of their retirement assets are protected from market risk.”

It is important to remember, however, that all investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Protection benefits generally refer only to fixed insurance products, not securities or investment advisory products. That’s why, if you choose to be invested in the market, it can be a good idea to have a portion of your assets in products with protection benefits, but be aware that insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

At issue is the fact that, as with politics, too many investors identify as moderates when describing their risk tolerances, when in reality they are anything but, signaling a subconscious bias toward more aggressive strategies at a time when the opposite—a reduction of risk—is likely warranted.

The argument for overall risk reduction has to do with percentages, experts say; simple math dictates that a 50 percent loss—something not unheard of during the economic crisis of 2008—requires a 100 percent gain just to break even. And when you couple investment losses with the fact that retirees may be withdrawing funds from their investment accounts for day-to-day living expenses (further decreasing the amount of retirement assets, which are needed to help recover from any losses) and the challenge becomes clear.

“The importance of getting a positive return, or protecting retirement assets from market loss, increases exponentially as one nears retirement,” Gordley adds. “Losses generally hurt more than gains will help in retirement, because there is less time to recover from market downturns before income is needed. The consistency that accompanies a low-volatility financial strategy and one that often includes fixed income products, like annuities, can aid in the planning process.”

For more information, please visit http://www.corefinancialnm.com

Media Contact
Company Name: Core Financial
Contact Person: Philip Gordley, President
Email: philgordley@corefinancialnm.com
Phone: 505-821-5566
Country: United States
Website: http://www.corefinancialnm.com