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Showing posts with the label finance

Delaying and Changing your Retirement Plans

In light of the unstable economy and constant debates going on in Congress, many people are starting to make changes and updates to their initial retirement plans. Prior to this, most had planned on working until age 62 and then relocating to another state to live out their retirement years. Unfortunately, most have had to put these plans on hold or change them all together. Not being able to retire as planned has frustrated a lot of people. Many have worked for twenty five years or more, and feel that they have earned the right to retire the way they want to. For some, current economic conditions have forced them to delay their retirement plans for two to three years. This may not sound like a long time, but to someone who has already worked twenty plus years, these additional years seem like a lifetime. Recent surveys conducted by AARP and other similar organizations, revealed that many �soon to be� retirees don�t feel very confident about their financial futures. Some are very conce...

Good Investments Opportunities for 2014

Finding the right investment opportunity in this current economy can be difficult because so many industries are still unstable. There was a time when investing in real estate was a smart investment, however the unstable housing market has made investing in real estate a lot riskier. For the first and second quarters of this year, the housing market went on a rollercoaster ride. This was due in part to the unpredictable stock market. In some parts of the country the housing market has started making small gains, and in other parts of the country the housing market continues to decline. As a result of this, many investors have started scaling back on their real estate investments. This is not to say that you should stop investing in real estate, but it is recommended that you proceed with caution. Looking towards 2014, real estate is expected to be safer investment. This is because by then the housing market should be stabilizing in most parts of the country. According to real estate a...

IPO�s & Tech Companies

It was recently announced that Twitter will soon be launching an IPO. To most in the tech industry this was not news, however it was news to most Twitter users. So far the response about Twitter going public has been mainly positive, but there have been a few negative comments. Those who responded positively to Twitter going public feel that an IPO is long overdue. This is because Twitter has been cash positive for quite a few years, and it should have no problems attracting investors. On the other hand, those who have responded negatively to the news about Twitter going public are concerned that launching an IPO will hurt the company. One case study example they use is Facebook. There are many people today who feel that going public really hurt Facebook as a company. Prior to the launch of their IPO, Facebook was simply viewed as a cool social media site. Although the site generates millions of viewers, it is still not viewed as a company you would want to invest in. This is one of th...

Brands Find Success on HSN

The Home Shopping Network, better known as HSN, has become a major platform for consumer brands to promote their products. For over twenty years, the Home Shopping Network has enabled consumers to shop and purchase products from the comfort of their home. In earlier years the product offerings mainly consisted of jewelry and basic home care items. Over the years however the network began adding a broader range of products to its on-air shopping portfolio. Today on HSN you can find everything from clothes and bedding to perfumes and cosmetics. Having a broader product line has helped HSN attract a larger viewing audience. As a result, hundreds of brands contact HSN each year to be a featured guest on their show. One of the brands that has been featured on HSN numerous times is Signature Club A. This brand was founded by cosmetic executive and make-up expert Adrienne Arpel. Signature A products are featured on HSN about four times a year -- which includes the winter holiday season. Arpel...

Who Made Forbes �2013 Most Powerful Women List�

Each year Forbes magazine compiles a list of the world�s most powerful women. This list contains women from all walks of life which range from businesswomen to musical performers. Let�s start with a look at some of the top ten women on the list. On this year�s list the number ten spot is held by Indra Nooyi, the CEO of PepsiCo. Nooyi is fifty seven years old and she has done a great job of helping PepsiCo reach one billion dollars in sales. One of the projects her company is currently working on is developing a new sweetner to be used in Pepsi soda products. This will hopefully help her company compete more effectively with Coca Cola. Number three on this year�s list is Melinda Gates, wife of Microsoft founder Bill Gates. She is being recognized this year for all the work she is doing with the Gates Foundation. One of the primary goals of the Gates Foundation is eliminating polio. The foundation has volunteers that go around the world visiting people in small towns and villages who don...

Survey of Consumer Finances 2013

The Survey of Consumer Finances consist of personal finance information gathered from U. S. households across of country. The information is designed to provide insight about the current financial condition of U. S. citizens. The survey is sponsored by the Board of Governors of the Federal Reserve System and it is conducted every three years by the Federal Reserve Board and NORC at the University of Chicago. Survey participants are randomly selected through a scientific process which is designed to show a balanced representation of U. S. households. It should also be noted that the Survey of Consumer Finances is currently the only survey that provides in-depth details about personal financial situations in this country. Some of the type of information gathered from the survey includes types of assets, the amount of assets, types and amounts of liabilities, along with data about individual employment history, individual personal income and pensions, and also demographic ...

Survey of Millionaires from Fidelity Investments

The most recent Fidelity Millionaire's Outlook survey revealed a lot of insightful information about how millionaire's feel about their own personal investments and the economy. In terms of building personal wealth, most of those of who participated in the survey revealed that they were self-made millionaires. This means that they either built their wealth by building their own companies or they have become wealthy through their own personal investments. The survey also revealed that most participants believe that the best way to accumulate and maintain wealth is to build it yourself. This is because most people who have had to work hard for their wealth will work harder to maintain and protect it versus someone who "inherits" wealth. In terms of investing, the survey revealed that most millionaire's today are confident about the stock market. They feel that a large percentage of stocks have performed well during the past year, and feel that this tr...

Survey of Affluence and Wealth in America

Th economic challenges over the past few years has impacted the spending habits of many Americans, including the wealthy and affluent. Although many of today's wealthy and affluent citizens are experiencing significant growth in their assets and income, a larger number of them are using their financial gains to pay off short term and long term debt. All this is according to the results from the Survey of Affluence and Wealth in America. Although many wealthy and affluent Americans are paying off their debts and reducing their spending, most are still using part of their disposable income to purchase things like cars, homes, jewelry and other luxury items. The study conducted this past year focused on several variables which included how the wealthy and affluent make decisions about what they will buy, and their views about price containment. Other secondary variables include how advertising information, salespeople and digital resources impacts how wealthy and afflue...

Which companies pay for surveys?

In just about every business sector and industry, there is a percentage of businesses that hire market research firms to conduct paid online surveys for them. They view paying for surveys as a good marketing investment. The reason these businesses hire an outside firm is because they want to get honest feedback about their products without revealing their name. Most major fast food burger and chicken chains hire market research firms to conduct paid online surveys regarding their menu items and level of customer service. In the past, these type of surveys typically did not pay anything. However, in light of the current economy and increased competition in the fast food industry, more chains are now willing to pay for survey results that will help them increase profits and attract more customers. Some of these chains include Krystals, Wendy's, Five Guys Burgers, Kentucky Fried Chicken, Burger King and McDonald's. Many major doughnut chains also hire market researc...

How much do online surveys pay?

The amount of money you can earn taking online surveys can vary greatly. Most product related surveys generally pay between $5 and $20. These type of surveys typically involve rating a specific product based on quality and taste. For example, you may be asked to rate the taste and quality of a particular candy bar product like Three Musketeers, Snickers or Mounds. The entire survey will contain a questionnaire and a separate section for you to add any recommendations or additional comments. For this type of survey you will probably earn about $7. Then there are product surveys that pay participants in both cash and products. An example of this type of survey would involve participants rating the quality and effectiveness of a cleaning product. This survey would also generally contain a questionnaire and a section for you to add suggestions or comments. You will probably earn about $5 for your participation, or be given the option of receiving a discount coupon or a free ...

How to make money from paid surveys?

One of the best ways to make money from paid surveys, is by registering with a local area focus group company. There are many out there so you have to spend some time to determine which company offers the best opportunities. One focus group company that frequently launches paid online surveys is Murray Hill Center. Once you sign up with this company you will start receiving survey invitations via email. The type of surveys you receive will be based on client needs and your profile. Examples of survey topics include credit card spending habits, potty training techniques, perfume & cosmetic purchases, and home remodeling projects. The length of time for surveys varies by topic. In addition, once you become a registered member of this company, you will also be invited to participate in on site focus group projects. To register with the Murray Hill Center go to www.murrayhillcenter.com . The pay for online surveys ranges from $10 to $55. Another focus group company that ...