Best Mutual Fund Investment for the Clueless in 2013

If you’re clueless in 2013, your best investment and the best mutual fund is one and the same: an investor-friendly mutual fund sometimes called a fund of funds. I call this the best investment for the inexperienced investor because it offers two huge advantages.

Investors need a balanced investment portfolio of stocks and bonds to smooth out the risk of investing. Few investors have the experience or inclination to go it alone. The first advantage of what I call the best mutual fund for most folks in 2013: the fund company (investment company) does the investment management for you. You simply decide whether you want to be conservative, moderate or aggressive in terms of risk.

To find your best investment, go to the investment company’s website and search for the mutual fund category called BALANCED or ASSET ALLOCATION. When you invest money, you will actually be buying shares and will own a small part of a large investment portfolio of stocks and bonds. Often times, the portfolio will simply consist of stock and bond funds managed by that investment company. That’s why I say your best mutual fund is sometimes called a fund of funds.

Now let’s talk about the other big advantage, using a $10,000 investment as an example. It can cost you $500 off the top in sales charges and more than $200 a year in fees and management expenses if you go through a sales representative. Or, you can go with a NO-LOAD fund company like Fidelity or Vanguard and pay less than $100 a year for expenses, period. That’s what I call the best mutual fund, your best deal and best investment.

Some folks are lead to believe that you get what you pay for in the investment world. I spent over 20 years as a financial planner, and I know the truth. The best investment company is a low-cost investment company. The two I mentioned above qualify, plus they are the two largest in the business. Every dollar you add to the cost of investing in a mutual fund is a dollar subtracted from your net investment return.

If you are clueless in 2013, and want to own a very small part of a large professionally managed investment portfolio… the best investment and the best mutual fund for you is a no-load, balanced fund. Simply search for “no-load funds” on the internet, and you’re on your way to investment success and low-cost investing.

5 Inexpensive Ways to Manage Your Meetings

With the beginning of 2013 and the corporate enterprises already planning for their annual meetings, this would be the right time to share with you the 5 most inexpensive ways to manage corporate meetings.

Online Event Registration

Moving your meeting registration process online will help you save significant expenditures. For example, you will not need funds to hire a venue or even set up a booth to open up registrations to interested attendees. Online creation and publication of forms require no paper usage and you get instant access to soft-copy forms that can be made ready for public access almost immediately. Online event registration actually increases the chances of getting higher attendance in any event. It is because of the universal accessibility of online registration forms from any place that makes this mode a popular one amongst the modern youth today.

Online Acceptance of Tickets Price/Registration Fees

While managing the registration fees or tickets sales can be a daunting task for most event managers, using an online payment or ticketing platform seems to be a viable alternative. The software helps you accept funds from prospective attendees located in different cities and towns. You can ask them to pay you via using credit cards, through wire transferring service or through a payment gateway; PayPal being the most common and widely used option.

Communicating Online

Start chatting and sending out emails online. Create an online forum or message board where you can post news and updates covering your year-long meetings and such similar corporate events. Use an emailing application to send out multiple invitations, reminders or RSVPs to acquaintances and your target audience. Emailing application that comes embedded with an online event registration software lets you send out thousands of emails in a single day.

Surveying Pre and Post Meeting

If you are one of those who prefer conducting a pre event survey, then it’s a better idea to move your surveying experience online. You will get a number of surveying applications available in the market. However, there really isn’t any need to buy or install one a separate application, as a Cloud-based meeting registration software has an incorporated surveying application built-in; it lets you create survey sheets/forms anytime, 24 hours. You can conduct surveys before, during, and post a meeting. You can customize your survey sheets by adding your company logo and editing sections/fields depending on your business interests.

Generate Multiple Reports Anytime

Reports on sales, attendee check-ins, payments, and more can be generated quite easily using an online reporting platform. You can save on costs including buying piles of paper to create the reports. Multiple reports once produced can be sent to the concerned departments via email and may also be viewed by accessing the reporting dashboard where you can check out various reports within a consistent interface.

Casting Customer Demands: The Sales VP's Guide to Understanding Consumer Spending


Industry indicators forecast that spending on technology products and services by US businesses and government agencies will jump 7.5 percent in 2012 and 8.3 percent in 2013. This exponential pace of technological change is one of the biggest challenges facing industry executives today. In a market of economic uncertainty, technology companies are changing their business strategies in order to adapt and ultimately set themselves up for success. After all, doesn’t the information technology sector depend on the health of consumer spending?

Consumer spending is a force that can be dealt with through casting customer demands. Leaders in the technology industry make smarter, more resourceful decisions when they possess more accurate and reliable forecast of future consumer demand. There are a few ways to achieve this desired outcome:

Demand a more comprehensive view of shifting demand
As technology constantly evolves, executives must take in consideration evaluating relevant adjacent industry sectors as well. For example, if you are in the business of providing electronic cell phone chargers, look to adjacent industries to predict consumer spending such as cell phones, batteries, etc. These projections will allow you to better understand the level of current demand.

Leverage the latest scientific advances in demand projection
Since we live in an era where we are provided with extensive information, information technology capabilities and analytics, there is more room to discover how consumers are discovering, debating and consuming your products and services. These methods may include SEO, online shopping, social media, blogs, emails, lead nurturing and forums.

Leverage your product through utilizing all the resources that are available to your particular target market.
Since selling to the masses is not ideal for most product, target markets must be pinpointed and continually engaged to keep them interested and purchasing a product. Through utilizing the latest resources, consumers relationships can not only be ignited but maintained.

Create a culture of true liability
Measuring results of your marketing campaign is of the utmost importance. What isn’t measured isn’t managed. Measuring capabilities include analyzing content performance, monitoring number of visitors and traffic, success of landing pages as well as how many visits eventually convert into leads. Executives also look to past forecasts and alter them to fit current situations and realities in today’s market. This will ultimately boost forecast accuracy.

During hard economic times, customers can postpone their technological purchases until markets stabilize. Since technology products are often updates of older versions, they can be the first to go when a company cuts its budget. It has become crucial to first properly forecast customer demands before devising a sound marketing campaign.