Volatility – Friend Or Foe

The month of May proved to be very volatile in the financial markets. At the beginning of the month global stocks rose sharply, some attaining record highs and then around the second week came a mini-crash, affecting not just stocks but also energy, gold and other metals, all of which had produced heady profits for […]

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How To Get Business ‘On A Plate’

In my last article I described the mechanics of formal networking. Most of us do informal networking to various degrees but formal networking is a focussed method of getting people together with the sole aim of generating referrals.   How does it work?   A group of up to 30 people from different walks of […]

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The Importance (or otherwise) of Timing

October – a dangerous month to speculate? ‘October: this is one of the peculiarly dangerous months to speculate in stocks….. the others are July, January, September, April, November, May, March, June, December, August and February’ This is a quote from Mark Twain. The point is clear; there is no good time to speculate in stocks. […]

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Winners And Losers In 2005

How did your investments fare this year? 2005 is not quite over yet but barring any end-of-year surprises the following is an indication of how various asset classes have performed over the year. Stock markets Most investors will have made modest gains this year and certainly outperformed cash. The best markets have been the emerging […]

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Positive Actions For Tough Times

Bali has had its fair share of misfortune over the past eight years but it has also shown its resilience and ability to recover. I have written often enough in this column about being prepared and having contingency plans for when things go wrong. But when a crisis hits, such as the latest bombing, our […]

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The Changing Face Of Retirement

Those of us who have been around a few decades will no doubt recall, certainly in western countries, how retirement was viewed in days gone by. My earlier working years were in the British Midlands and I remember the retirement parties and presentations. They followed the same pattern. A little speech from the manager thanking […]

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The Importance Of Good Service

If you are in business you will have gathered very quickly that the customer is king (or queen). Unless you have a total monopoly of a product or service there are plenty of other suppliers that your customers can turn to. What makes people choose a product? Customers look for a variety of things, all […]

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The Importance Of Asset Allocation

It is a little known fact that 90% of investment performance depends on asset allocation. For example, if you have the very best stock market adviser, one who helps you outperform other investors in the stock market, it is of little use if the whole of the stock market crashes as it does from time […]

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Does The Rising Price Of Oil Affect You?

There is a good chance that you have already been affected to a degree by the sharp rise in the price of oil. Maybe you have noticed long lines once or twice at the petrol pumps and perhaps seen the ‘habis’ sign more often. This is not just a local phenomenon peculiar to Bali or […]

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Another Blow To Bali – Were We Better Prepared?

Maybe we thought it could not happen to Bali again, but it did. Just as the island was making a sterling recovery from the impact of the 2002 bombing the dark forces of evil struck again. Apart from the immediate and obvious victims there will be few people in Bali who are not impacted one […]

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