Hedge funds can make big losses

When you invest in a hedge fund, you are giving money to a fund manager to speculate for you. The fund can speculate in any type of assets - shares, currencies, commodities. They can borrow money, i.e. leverage, to speculate in bigger stakes. The fund manager can make a lot of profit, but can also make a humongous loss. The hedge fund charge high fees, usually 3% or more of the invested assets, and can also take a large part of the profit, e.g. 20% of the gains. But, when the hedge fund loses big on the bets, they do not compensate the investors for the losses. Hedge funds managers can be multi-millionaires.

It can be reckless for trustees of trust funds or corporate funds to invest their money in hedge funds. But many of them do. This is why hedge funds are so successful. Here is a story of a hedge fund that performed badly this year. 

How to Create a Podcast for Free

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Creating a podcast or videocast is a great way to let your visitors or subscribers to listen to or watch all of your videos or voice recordings in one place. Obviously you will need to create your audio or video files first before creating a podcast. A podcast is simply an RSS feed with all of your sound or video files attached to each post as an attachment. Read more at webdesigndublin.org

 

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Extended Auto Warranty - Should I Buy an Extended Car Warranty?

Are you in the market for a new car? Have you just recently bought a new car? Is your new car warranty close to running out? If you answered yes to any of these questions then you need to get an extended car warranty quote. An extended auto warranty is the best way to keep control of your auto repair expenses.

You never know when an auto repair expense will come up. They tend to develop when you least expect them and when you are least able to deal with an auto repair expense. New car warranties cover major car repair expenses, but after the warranty expires, you are left responsible for major car repair expenses. This is where an extended auto warranty comes in. An extended car warranty will extend your protection against major expenses for a longer period of time.

We Buy Any Car

When you buy a new car, the new car dealership tries to encourage you to take their extended auto warranty quote. That's a bad idea. New car dealerships are in the business of making money and their extended car warranty quote has a hefty commission built in for the dealership and the salesman. That explains why the dealership encourages you to purchase the warranty from them.

An extended car warranty is a great investment that will save you money, but you don't have to overpay for the warranty. You can purchase an extended auto warranty at any time, from right after you purchase your new car until right before your new car warranty expires. You can even find extended car warranties for used cars.

If you want to get the best deal on an extended car warranty, you need to get an extended car warranty quote today. We provide you with a no obligation quote that can get you started in getting your auto repair expenses under control. With nothing to lose and a peace of mind to gain, you owe it yourself to get an extended auto warranty quote today.

Extended Auto Warranty - Should I Buy an Extended Car Warranty?

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The economic collapse

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10 products that defined Steve Jobs' career

FILE - This 1998 file photo provided by Apple, shows Apple CEO Steve Jobs pose for a photo with an iMac computer. Apple on Wednesday, Oct. 5, 2011 said Jobs has died. He was 56. (AP Photo/Apple, Moshe Brakha, File)

FILE - This 1998 file photo provided by Apple, shows Apple CEO Steve Jobs pose for a photo with an iMac computer. Apple on Wednesday, Oct. 5, 2011 said Jobs has died. He was 56. (AP Photo/Apple, Moshe Brakha, File)

NEW YORK (AP) ? Steve Jobs had no formal schooling in engineering, yet he's listed as the inventor or co-inventor on more than 300 U.S. patents. These are some of the significant products that were created under his direction:

1. Apple I (1976) ? Apple's first product was a computer for hobbyists and engineers, made in small numbers. Steve Wozniak designed it, while Jobs orchestrated the funding and handled the marketing.

2. Apple II (1977) ? One of the first successful personal computers, the Apple II was designed as a mass-market product rather than something for engineers or enthusiasts. It was still largely Wozniak's design. Several upgrades for the model followed, and the product line continued until 1993.

3. Lisa (1983) ? Jobs' visit to Xerox Corp.'s research center in Palo Alto inspired him to start work on the first commercial computer with a graphical user interface, with icons, windows and a cursor controlled by a mouse. It was the foundation for today's computer interfaces, but the Lisa was too expensive to be a commercial success.

4. Macintosh (1984) ? Like the Lisa, the Macintosh had a graphical user interface. It was also cheaper and faster and had the backing of a large advertising campaign behind it. People soon realized how useful the graphical interface was for design. That led "desktop publishing," accomplished with a Mac coupled to a laser printer, to soon become a sales driver.

5. NeXT computer (1989) ? After being forced out of Apple, Jobs started a company that built a powerful workstation computer. The company was never able to sell large numbers, but the computer was influential: The world's first Web browser was created on one. Its software also lives on as the basis for today's Macintosh and iPhone operating system.

6. iMac (1998) ? When Jobs returned to Apple in 1996, the company was foundering, with an ever shrinking share of the PC market. The radical iMac was the first step in reversing the slide. It was strikingly designed as a bubble of blue plastic that enclosed both the monitor and the computer. Easy to set up, it captured the imagination just as people across the world were having their eyes opened to the benefits of the Internet and considering getting their first home computer.

7. iPod (2001) ? It wasn't the first digital music player with a hard drive, but it was the first successful one. Apple's expansion into portable electronics has had vast ramifications. The iPod's success prepared the way for the iTunes music store and the iPhone.

8. iTunes store (2003) ? Before the iTunes store, buying digital music was a hassle, making piracy the more popular option. The store simplified the process and brought together tracks from all the major labels. The store became the largest music retailer in the U.S. in 2008.

9. iPhone (2007) ? The iPhone did for the phone experience what the Macintosh did for personal computing ? it made the power of a smartphone easy to harness. Apple is now the world's most profitable maker of phones, and the influence of the iPhone is evident in all smartphones.

10. iPad (2010) ? Dozens of companies, including Apple, had created tablet computers before the iPad, but none caught on. The iPad finally cracked the code, creating a whole new category of computer practically by itself.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/495d344a0d10421e9baa8ee77029cfbd/Article_2011-10-05-Obit-Jobs-Greatest%20Hits/id-0f4acc9d8ba24d7a99c8546c97a341b4

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Financial Planning Tool and Handbook

You can use this financial planning tool to carry out a projection of your savings and investment yield, net of inflation. This tool helps you to make the right decision for your future. You can read the handbook here.