Five investment tips for beginners


You’ve got money. Maybe not a lot but some. And you want to see it multiply like Gremlins in a swimming pool.

Once you’ve got budgeting, savings and debt under control, you might consider investing your bucks. “A lot of people when they first get started, they feel it’s overwhelming,” says Allan Small, senior investment adviser with DWM Securities. “But it’s not as overwhelming as it may seem.”

He’s obviously biased; but he provided some investment tips for beginner investors.

Start now. “You’re never too young to start putting away a small amount monthly after you get your first job and once you do your budget and figure out, ‘Hey, I can afford $25 a month to put away into an investment,’” Mr. Small says. “The longer you invest for, the more money you’re going to make. You’re going to have your ups and downs; but if you invest from [the ages] 23 to 33 versus someone who starts at 33 and invests until they’re 53, the person who starts at an earlier age because of compounding rates of return will end up with more money.”

Speak to someone who has the knowledge. Find out your options. Speak to an investment advisor at your bank for example, about whether you should open up a tax-free savings account (TFSA) or invest in your registered retirement savings plan (RRSP). “Once you understand all the different types of accounts, the pros and cons, then you’re more educated to make those appropriate decisions.”


Start with the familiar. An easy way to get into the stock market is by buying things that you’re familiar with and know. If you drink a beloved green tea latte everyday, buy Starbucks shares. “If you want to get your feet wet and try it out, buying Apple shares because you own the iPhone, the iPad, the iThis and iThat is a great strategy,” Mr. Small says. “But you have to separate that from more serious investing. If you are someone who is in their early 30s, you’re looking to perhaps buy a house…You want to invest more for the long-term where you’re investing with a certain goal in mind.”

Diversify. Mutual funds and exchange-traded funds tend to be good products for young individuals who don’t have enough assets to create their own diversified portfolio. “The best way to describe mutual funds is it’s a basket of investments. Everybody puts any amount of money they want into this basket. The average mutual fund basket might have in it $500-million or $1-billion. There’s this mutual fund manager whose job is to decide where to invest this basket of money,” he says.

“An ETF is something similar except … a lot are not actively managed by a manager. Let’s say you buy an ETF that follows the Toronto Stock Exchange. You’re owning through the ETF all of the different stocks that are on the Toronto Stock Exchange.”

DIY. Your bank may have a discount broker’s arm. Open up your own account and trade yourself. However, if you go through a discount broker, no one will tell you what to buy, when to buy or when to sell. You’ll have to do your own research.

Financial Post

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Dick Costolo is the current CEO of Twitter and was its former COO. He took over as CEO from Evan Williams in October 2010 He graduated in 1985 with a B.S. degree in computer and communication sciences, from the University of Michigan, where he was also a brother in the Phi Gamma Delta social fraternity.[3] Costolo became involved in theater during his senior year[4] at the University of Michigan, when he began taking theater classes to fulfill the university’s graduation requirements. Upon graduation, he decided not to accept offers from technology companies and instead moved to Chicago to work in improvisational comedy.[5] After his improv career in Chicago, Costolo was at Andersen Consulting for 8 years, where he was a senior manager in product and technology groups. He then co-founded Burning Door Networked Media, a web design and development consulting company, which was acquired by Digital Knowledge Assets in October 1996. He then co-founded SpyOnIt, a web page monitoring service, which was sold to 724 Solutions in September 2000. In 2004, Costolo, along with Eric Lunt, Steve Olechowski, and Matt Shobe, founded the web feed management provider FeedBurner. After Google bought FeedBurner in 2007, Dick Costolo became an employee of the search giant.[2] After the acquisition, Costolo began working in other areas of Google. In July 2009, he left Google, and in September 2009, it was announced that he was joining Twitter as its COO.[6] Although his 2010 takeover as CEO was supposed to be temporary, while CEO Evan Williams was on paternity leave, it eventually became a permanent position.[5]

Interesting Facts About the Human Body for Kids


Interesting Facts About the Human Body for Kids


By Naomi Sarah

1. The strongest muscle in the human body is the tongue. You might like to go through muscular system facts.
2. The skull is made up of 29 different kinds of bones. Also see, how many bones in the human body.
3. The human heart and other body functions stop all at once, when one sneezes.
4. It takes 72 muscles to flex, for one to speak.

5. The body is made up of 80% water.
6. It isn’t possible to sneeze with your eyes open.
7. An average human blinks about 6,205,000 times a year.
8. The stomach needs to produce a new mucus layer every 2 weeks, else it would digest itself.
9. Humans have unique tongue prints, just like finger prints.
10. Only humans can secrete tears from emotion; when animals do, it is due to some physical reasons.
11. It takes the body about 12 hours to completely digest the food present in the digestive system.
12. Humans experience REM (Rapid Eye Movement), when witnessing vivid dreams.
13. Your ears and nose continue to grow throughout your life.
14. Some of the body parts that we don’t require are – the appendix, pinkie toe, wisdom teeth and tonsils.
15. It takes 43 muscles to frown, and 17 to smile.
16. Average head of hair, has about 100,000 strands.
17. If you work on a computer for hours, staring at a blank piece of white paper will appear pink.
18. Humans lose at least 40-100 strands of hair per day.
19. It isn’t possible for one to tickle themselves.
20. All babies are born with blue eyes, until they acquire their true eye colors as they grow up.

These human body systems, make up the whole of our bodies and allows each of us to function in a certain way. What the body experiences, whether good/bad, we are able to identify and rectify/satisfy depending upon what signals are sent by the body to our brains. There are many factors that go into the workings of our bodies, including the many weird facts about the human body.



Howard inspires Rockets
29 Jan 2014 08:09:22
Julio Chitunda
The Houston Rockets
bounced back from a 15-
point deficit in the first
half of Tuesday NBA
Action to beat the San
Antonio Spurs for the third consecutive
time this season.
Houston played without their leading
scorer James Harden, due to injury, but
Dwight Howard stepped up as he
dominated both ends of the floor with a
game-high 23 points and 16 rebounds
to help the Rockets see off the Spurs
Despite Boris Diaw’s season-high 22
points, the injury-hit San Antonio lost
their second straight game.
San Antonio currently hold the second
best record in the Western Conference
behind the Oklahoma City thunder, and
ahead of the Portland Trail Blazers who
lost at home 98-81 to the Memphis
It was Portland’s second straight loss,
while the Grizzlies extended their
winning streak to three.
The New Orleans Pelicans


Becoming a Critic Of Your Thinking.

Learning the Art of Critical Thinking

There is nothing more practical than sound thinking. No matter what your circumstance or goals, no matter where you are, or what problems you face, you are better off if your thinking is skilled. As a manager, leader, employee, citizen, lover, friend, parent — in every realm and situation of your life — good thinking pays off. Poor thinking, in turn, inevitably causes problems, wastes time and energy, engenders frustration and pain.

Critical thinking is the disciplined art of ensuring that you use the best thinking you are capable of in any set of circumstances. The general goal of thinking is to “figure out the lay of the land” in any situation we are in. We all have multiple choices to make. We need the best information to make the best choices.

What is really going on in this or that situation? Are they trying to take advantage of me? Does so-and-so really care about me? Am I deceiving myself when I believe that . . .? What are the likely consequences of failing to . . .? If I want to do . . . , what is the best way to prepare for it? How can I be more successful in doing . . .? Is this my biggest problem, or do I need to focus my attention on something else?

Successfully responding to such questions is the daily work of thinking. However, to maximize the quality of your thinking, you must learn how to become an effective “critic” of your thinking. And to become an effective critic of your thinking, you have to make learning about thinking a priority.

Ask yourself these — rather unusual — questions: What have you learned about how you think? Did you ever study your thinking? What do you know about how the mind processes information? What do you really know about how to analyze, evaluate, or reconstruct your thinking? Where does your thinking come from? How much of it is of “good” quality? How much of it is of “poor” quality? How much of your thinking is vague, muddled, inconsistent, inaccurate, illogical, or superficial? Are you, in any real sense, in control of your thinking? Do you know how to test it? Do you have any conscious standards for determining when you are thinking well and when you are thinking poorly? Have you ever discovered a significant problem in your thinking and then changed it by a conscious act of will? If anyone asked you to teach them what you have learned, thus far in your life, about thinking, would you really have any idea what that was or how you learned it?

If you are like most, the only honest answers to these questions run along the lines of, “Well, I suppose I really don’t know much about my thinking or about thinking in general. I suppose in my life I have more or less taken my thinking for granted. I don’t really know how it works. I have never really studied it. I don’t know how I test it, or even if I do test it. It just happens in my mind automatically.“

It is important to realize that serious study of thinking, serious thinking about thinking, is rare. It is not a subject in most colleges. It is seldom found in the thinking of our culture. But if you focus your attention for a moment on the role that thinking is playing in your life, you may come to recognize that, in fact, everything you do, or want, or feel is influenced by your thinking. And if you become persuaded of that, you will be surprised that humans show so little interest in thinking.

To make significant gains in the quality of your thinking you will have to engage in a kind of work that most humans find unpleasant, if not painful — intellectual work. Yet once this thinking is done and we move our thinking to a higher level of quality, it is not hard to keep it at that level. Still, there is the price you have to pay to step up to the next level. One doesn’t become a skillful critic of thinking over night, any more than one becomes a skillful basketball player or musician over night. To become better at thinking, you must be willing to put the work into thinking that skilled improvement always requires.

This means you must be willing to practice special “acts” of thinking that are initially at least uncomfortable, and sometimes challenging and difficult. You have to learn to do with your mind “moves” analogous to what accomplished athletes learn to do (through practice and feedback) with their bodies. Improvement in thinking, in other words, is similar to improvement in other domains of performance where progress is a product of sound theory, commitment, hard work, and practice.

Consider the following key ideas, which, when applied, result in a mind practicing skilled thinking. These ideas represent just a few of the many ways in which disciplined thinkers actively apply theory of mind to the mind by the mind in order to think better. In these examples, we focus on the significance of thinking clearly, sticking to the point (thinking with relevance), questioning deeply, and striving to be more reasonable. For each example, we provide a brief overview of the idea and its importance in thinking, along with strategies for applying it in life. Realize that the following ideas are immersed in a cluster of ideas within critical thinking. Though we chose these particular ideas, many others could have instead been chosen. There is no magic in these specific ideas. In short, it is important that you understand these as a sampling of all the possible ways in which the mind can work to discipline itself, to think at a higher level of quality, to function better in the world.
1. Clarify Your Thinking
Be on the look-out for vague, fuzzy, formless, blurred thinking. Try to figure out the real meaning of what people are saying. Look on the surface. Look beneath the surface. Try to figure out the real meaning of important news stories. Explain your understanding of an issue to someone else to help clarify it in your own mind. Practice summarizing in your own words what others say. Then ask them if you understood them correctly. You should neither agree nor disagree with what anyone says until you (clearly) understand them.

Our own thinking usually seems clear to us, even when it is not. But vague, ambiguous, muddled, deceptive, or misleading thinking are significant problems in human life. If we are to develop as thinkers, we must learn the art of clarifying thinking, of pinning it down, spelling it out, and giving it a specific meaning. Here’s what you can do to begin. When people explain things to you, summarize in your own words what you think they said. When you cannot do this to their satisfaction, you don’t really understand what they said. When they cannot summarize what you have said to your satisfaction, they don’t really understand what you said. Try it. See what happens.

Strategies for Clarifying Your Thinking

  • State one point at a time.
  • Elaborate on what you mean 
  • Give examples that connect your thoughts to life experiences 
  • Use analogies and metaphors to help people connect your ideas to a variety of things they already understand (for example, critical thinking is like an onion. There are many layers to it. Just when you think you have it basically figured out, you realize there is another layer, and then another, and another and another and on and on)




Young investor turns passion for business into big success

By staff 04/04/2012 18:00:00 // Business | Young investor turns passion for business into big success

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Business Developer Martin Njuguna during the interview at his office in Nairobi on April 3, 2012. Photo/BILLY MUTAI  

Posted  Thursday, April 5  2012 at  00:00

His life at the University of Nairobi heralded his path as a budding entrepreneur. Martin Njuguna used to sell airtime, earning about Sh600 a day for pocket money.

The computer science student would also develop websites for acquaintances and small business for a fee.

Mr Njuguna did not know exactly know how to start off after school, but he was sure that he did want to get into formal employment. All he wanted to do was run his own business. And from his experience at the university, he knew that he could.

His experience as president of the Students in Free Enterprise group also boosted his understanding of the dynamics of operating a profitable business.

Students in Free Enterprise teaches small business in Nairobi management practices, helping some of them to turn around their companies.

“The impact we had on those small businesses was one of the main motivation for starting Digital Vision. The profits of many small businesses we interacted with inspired me,” the 29-year-old businessman told Money in his office at Upper Hill, Nairobi. After his graduation in 2006, he established Digital Vision East Africa.

“I started the company with a small capital. I didn’t have an office, just a desktop computer in my small rented house. The work then was creating websites for friends and businesses. Demand for website creation was high then,” he says.

He ploughed back the profits he made building websites into the company and moved to a larger office at View Park Towers the same year, where he stayed until 2008.

He later diversified into providing companies with web-based solutions, business process automation, intranet services, content applications, and data base management systems, all with a focus on the East African region. He also landed a major business contract with the United Nations Development Programme.

“The UNDP project was our first major business contract when we set up their intranet system in Rwanda in 2007. We also landed another contract to develop the intranet and redesign the organisation’s website in their Uganda office in 2008,” Mr Njuguna said.

Digital Vision EA continues to maintain and upgrade the UN agency’s websites.

The company also offers information technology consulting services to corporate organisations, government agencies, and multi-national corporations as well as administering IT systems on the businesses’ behalf. Bitrix, a global IT company developing advanced business communication platforms, is their main partner in provision of software in content management for clients.

“We intend to operate in all the five East African countries in the next two years,” Mr Njuguna says. He estimates his company to be worth at least Sh50 million.

In the first year of operation, the company’s annual turnover was about Sh1 million. Last year, the company made about Sh15 million, with a projection of Sh50 million a year in the next two years.


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