Now that I've spelled out what can sands in your waygo wrong, I'll discuss how you can make things go right. There are good reasons to buy a sector fund, such as plugging a hole in your portfolio or hiring a brilliant industry specialist, and you can do just fine with them, but you have to be smarter than the lemmings I've described above.1. Don't invest with the headlines.If your local newspaper has an article about a great tA troupe of little vagrants of the worldrend and the folks who made a killing in it, it's probably too late. You can see this in a sector fund's returns, too. If it has crushed the S&P 500 for two or three years running, you're too late.2. Be patient.If you're looking out 10 years instead of 12 months, you stand a much better chance of enjoying a good return.3. Be early.This is a corollary to the two rules above. Look for a sector that has been out of favor for some time and you stand a better chance of finding something ready to run.4. Look for a manager with expertise in the sector. puts off its mask of vastness
The main value in choosing a sector fund is that you can sometimes get a specialist who knows the sector better than the average diversified fund manager. Therefore, you should look for a manager with a long track record in the sector and kiss of the eternalideally a firm with that history. Most sector funds are run by third-tier managers at second-rate companies. You need to find the exception. You want funds like JP Morgan U.S. Real Estate (NASDAQ:SUSIX - News) and Allianz RCM Global Technology (NASDAQ:DRGTX - News), where the managers are true experts who see running a sector fund as their career goal rather than a stepping stone.5. Don't forget about costs.
Short-term thinking and greed lead investors to ignore expenses in sector funds, yet they're just as important here as in an index fund. Many of the best sector funds charge reasonable expenses. So, rather than settle for some poor-quality fund with a 2.00% expense ratio, shop around.
6. Keep tabs on your reasons for buying a fund.If the reasons you bought the fund (a great manager or a long-term trend) are no longer valid, you should get out. For example, a few years ago many people thought real estate--especially foreign real-estate--was going to enjoy a long and glorious boom. It turns out that was a bubble. So, at some point, investors had to accept that their thesis was wrong. If your reasoning was wrong or the great manager you liked has left, you should consider moving on.
7. Don't make them your core.Sector funds can fill a gap or serve as a speculative play, but you should have diversified funds at the core of your portfolio. If you have a portfolio of sector funds you're likely to have left some key gaps and you'll probably be paying more in expenses than you should.http://www.viewmyviews.com
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Wednesday, May 19, 2010
Great rate? Forget mortgage refinance
I am considering a home mortgage refinance. Tdreams will keep me younghis is more financial planning than anything else. My wife and I are both 57 years old. We currently are four years into a 15-year fixed-rate mortgage at 4.625 percent, with a monthly payment of $972 and a loan balance of $97,500. Our long-term investments are on track, but we are having trouble building an emergency cash fund. never grow old
Does it make sense to refinance into a longer-term mortgage in order to build this fund? At current rates, we could start building a reserve at more than $400 per month. Our home is assessed at $240,000. Locking in that rate basically forever seems a good idea, knowing that if something happened to one of us we wouldn't be forced into a sale or have to dive into long-term investments. passion
Assessed value doesn't necessarily have anything to do with appraised value, and it's the appraised value that will determine how much equity you have in your property. That said, let's assume you're in a solid position to refinance your mortgage. fantastic
You have a great ate on your existing mortgage -- current rates are within 0.25 percent of that rate. So, I'm reticent to recommend you incur a couple of thousand dollars in closing costs to free up enough money in your monthly budget to build an emergency fund. are you in the blossom
In addition, extending to a 30-year mortgage -- or even another 15-year mortgage -- will result in you spending thousands more in interest expense as shown in the table below:You could consider taking out a home equity line of credit to act as a financial backstop instead of refinancing to build cash savings. The closing costs on a HELOC should be a few hundred dollars, instead of a few thousand.
Alternately, you may have enough flexibility in your retirement accounts to borrow against them in a time of need. This doesn't work if you lose your job, because the loan comes due when you separate from service. However, for other fiscal emergencies, this can work.
There is a low probability of you both losing your job at the same time. Therefore, if you each have the ability to borrow against your individual retirement plans, you can borrow from one plan in a financial emergency knowing that if the spouse who owns the account is laid off, the other spouse can repay the loan with a loan from his or her plan.This can provide a measure of financial security without needing to refinance the mortgage to free up money in your monthly budget.Bankrate's content, including the guidance of its advice-and-expert columns and this Web site, is intended only to assist you with financial decisions. The content is broad in scope and does not consider your personal financial situation. Bankrate recommends that you seek the advice of advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. Please remember that your use of this Web site is governed by Bankrate's Terms of Use.
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Does it make sense to refinance into a longer-term mortgage in order to build this fund? At current rates, we could start building a reserve at more than $400 per month. Our home is assessed at $240,000. Locking in that rate basically forever seems a good idea, knowing that if something happened to one of us we wouldn't be forced into a sale or have to dive into long-term investments. passion
Assessed value doesn't necessarily have anything to do with appraised value, and it's the appraised value that will determine how much equity you have in your property. That said, let's assume you're in a solid position to refinance your mortgage. fantastic
You have a great ate on your existing mortgage -- current rates are within 0.25 percent of that rate. So, I'm reticent to recommend you incur a couple of thousand dollars in closing costs to free up enough money in your monthly budget to build an emergency fund. are you in the blossom
In addition, extending to a 30-year mortgage -- or even another 15-year mortgage -- will result in you spending thousands more in interest expense as shown in the table below:You could consider taking out a home equity line of credit to act as a financial backstop instead of refinancing to build cash savings. The closing costs on a HELOC should be a few hundred dollars, instead of a few thousand.
Alternately, you may have enough flexibility in your retirement accounts to borrow against them in a time of need. This doesn't work if you lose your job, because the loan comes due when you separate from service. However, for other fiscal emergencies, this can work.
There is a low probability of you both losing your job at the same time. Therefore, if you each have the ability to borrow against your individual retirement plans, you can borrow from one plan in a financial emergency knowing that if the spouse who owns the account is laid off, the other spouse can repay the loan with a loan from his or her plan.This can provide a measure of financial security without needing to refinance the mortgage to free up money in your monthly budget.Bankrate's content, including the guidance of its advice-and-expert columns and this Web site, is intended only to assist you with financial decisions. The content is broad in scope and does not consider your personal financial situation. Bankrate recommends that you seek the advice of advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. Please remember that your use of this Web site is governed by Bankrate's Terms of Use.
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3, Review and confirm the 2D&3D tooling layout.4, Monitor the tooling fabrication schedule, then arrange the tool’s FOT in time. sell discount wedding dresses
5, Follow and analyze the problems happened during the development, and then take the correct action to solve them in time. Discuss some critical issue or product structure issue with customer.6, Arrange the pilot run of molding, follow the schedule, deal with the problem happened in process, so that customer’s requirement will be achieved on time with quality.7, Arrange ECN from customer, and then provide the ECN scheme, quotation& L/T to customer.8, Verify tooling, product and process, after customer fully qualify them, the whole project transfer into mass production.9, Follow the process and make it smooth. Continue improvement, in order to increase effect and decrease cost. discount wedding dressesdiscount wedding dresses
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Three .1999/10/--2003/03/：ChengMing electronic Co.,LTD, engineering department: project engineer (supervisor).
Responsibility：In charge of project development, and guarantee smooth production.1, Introduce new projects including plastic part, stamping part and out sourcing part, then establish BOM according to customer’s part list.2, Monitor the schedule of tooling fabrication, arrange FOT ,then sent the samples of new project to customer.3, Review the problems of the product and mold, make correct solution, and monitor the schedule of improvement.4, Improve various production process, including molding, stamping and assembly.5, Make and provide QP documents & samples to get customers approval, so that the project can be transferred to mass production. 6, Continue the improvement to enhance efficiency and yield rate of production.7, Arrange, coordinate and supervise the jobs of team members to make sure tasks can be completed.http://www.msworld.org/FORUM
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5, Follow and analyze the problems happened during the development, and then take the correct action to solve them in time. Discuss some critical issue or product structure issue with customer.6, Arrange the pilot run of molding, follow the schedule, deal with the problem happened in process, so that customer’s requirement will be achieved on time with quality.7, Arrange ECN from customer, and then provide the ECN scheme, quotation& L/T to customer.8, Verify tooling, product and process, after customer fully qualify them, the whole project transfer into mass production.9, Follow the process and make it smooth. Continue improvement, in order to increase effect and decrease cost. discount wedding dressesdiscount wedding dresses
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Three .1999/10/--2003/03/：ChengMing electronic Co.,LTD, engineering department: project engineer (supervisor).
Responsibility：In charge of project development, and guarantee smooth production.1, Introduce new projects including plastic part, stamping part and out sourcing part, then establish BOM according to customer’s part list.2, Monitor the schedule of tooling fabrication, arrange FOT ,then sent the samples of new project to customer.3, Review the problems of the product and mold, make correct solution, and monitor the schedule of improvement.4, Improve various production process, including molding, stamping and assembly.5, Make and provide QP documents & samples to get customers approval, so that the project can be transferred to mass production. 6, Continue the improvement to enhance efficiency and yield rate of production.7, Arrange, coordinate and supervise the jobs of team members to make sure tasks can be completed.http://www.msworld.org/FORUM
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Tow .2006/04—2009/11: Flextronics (NPI & Engineering Department, Flextronics injection, Zhuhai, China). Senior Engineer. plus size wedding dressesplus size wedding dresses
Responsibilities: take charge of new product input & Engineering relevant.1. NPI & Engineering relevant principal. in charge of quotation, manufacture model evaluation, new technology feasibility study, capacity evaluation, and make overall project schedule (include tooling, molding, painting, printing, plating and wedding gowns dressessub-assembly and the fixture & equipment for production).wedding gowns dresses 2. BOM creation and the following regular maintenance against the changes. Manage and track product engineering changes. 3. Communications in internal team members and customer site, information and instruction distribution and project trial run new wedding dressesschedule control. Discussing with new wedding dressescustomer and managing internal team to deal with the design or process issues during trial run.4. Verify the tooling; product and process, after customer full qualify them, the whole project transfer into mass production. Solve the problems happened in mass production, in order to make the mass production smooth.
5. Have periodical conference call with customer. In NPI stage, to report trial run progress, feedback engineering issues, discuss recovery plan. In mass production stage, to report production status and yield.6. In charge of the new product development and engineering change of supplier.
7. In charge of the working guidance and technical training in team.8. The management of team. Directly manage 6 Engineers in team. In charge of their work allocation, working target set up, working monitoring and guidance, emergency case and complaint disposal, suggestions collection, idea communion, and Performance evaluation.Three .2003/06--2006/04：Foxconn technical group, FIH MSEG(Motorola mobile phone supplier) L5 engineer division, development engineer(supervisor). responsibilities：In charge of plastic product and plastic tooling development until mass production.1,Check the database from customer, and evaluate the feasibility of tooling fabrication and mass production, point out the latent issue of the database, then provide the improved proposal to customer with design review format.
2, Evaluate shot weight, cycle time, yield rate and production capacity of molding process, and then provide single price to customer.http://www.spritestitch.com/forum
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Responsibilities: take charge of new product input & Engineering relevant.1. NPI & Engineering relevant principal. in charge of quotation, manufacture model evaluation, new technology feasibility study, capacity evaluation, and make overall project schedule (include tooling, molding, painting, printing, plating and wedding gowns dressessub-assembly and the fixture & equipment for production).wedding gowns dresses 2. BOM creation and the following regular maintenance against the changes. Manage and track product engineering changes. 3. Communications in internal team members and customer site, information and instruction distribution and project trial run new wedding dressesschedule control. Discussing with new wedding dressescustomer and managing internal team to deal with the design or process issues during trial run.4. Verify the tooling; product and process, after customer full qualify them, the whole project transfer into mass production. Solve the problems happened in mass production, in order to make the mass production smooth.
5. Have periodical conference call with customer. In NPI stage, to report trial run progress, feedback engineering issues, discuss recovery plan. In mass production stage, to report production status and yield.6. In charge of the new product development and engineering change of supplier.
7. In charge of the working guidance and technical training in team.8. The management of team. Directly manage 6 Engineers in team. In charge of their work allocation, working target set up, working monitoring and guidance, emergency case and complaint disposal, suggestions collection, idea communion, and Performance evaluation.Three .2003/06--2006/04：Foxconn technical group, FIH MSEG(Motorola mobile phone supplier) L5 engineer division, development engineer(supervisor). responsibilities：In charge of plastic product and plastic tooling development until mass production.1,Check the database from customer, and evaluate the feasibility of tooling fabrication and mass production, point out the latent issue of the database, then provide the improved proposal to customer with design review format.
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Thursday, May 6, 2010
Mariners put Milton Bradley on restricted list
Milton Bradley (FSY) was placed on the restricted list by the Seattle Mariners on Thursday, a day after asking the team for help in dealing with "emotional stress" from personal issues.
Seattle recalled outfielder Michael Saunders (FSY) from Triple-A Tacoma to fill Bradley's roster spot.
While on the restricted list, Bradley cannot be in uniform or with the team. He will miss at least five days and manager Don Wakamatsu said he won't go on the Mariners' eight-game road trip that begins next Tuesday in Baltimore.
TEAM REPORT: Inside the Seattle Mariners
But general manager Jack Zduriencik said the team opted for the restricted list instead of placing Bradley on the 15-day disabled list. Zduriencik said it's expected Bradley will be away from the club for "five, six, seven days for sure," and then the situation will be re-evaluated.
"The process has started. We're together with Milton and his agency group and we're forming a partnership to help him get through this thing," Zduriencik said. "The timeframe has yet to be determined. I don't know the answer to this because I'm not a professional in this field."
The moves came a day after Bradley met with Wakamatsu and Zduriencik and asked for help in dealing with his issues. The 32-year-old arrived at Safeco Field on Wednesday morning and told the leaders of his eighth team in 10 seasons, "I need your help."
That startling admission came after Bradley became angry for striking out twice on Tuesday night and Wakamatsu removed him from a close game in the sixth inning because the manager thought he wasn't fit to play anymore. Bradley left the stadium soon after. Several Mariners players described his mindset Tuesday night as "not good."
Wakamatsu said before Thursday night's game that Bradley met with a counselor earlier in the afternoon and all reports indicated the session went well.
The 32-year-old Bradley publicly blamed Chicago's fans and media for running him out of that city following his failed season with the Cubs in 2009. He already had run-ins this season, flipping off a fan during a game in Texas in the midst of a 1-for-21 start.
Rangers manager Ron Washington said before Thursday's game in Texas that he was happy to see Bradley getting help. Washington coached Bradley in 2008 with Texas, where Bradley set career highs of 22 homers and 77 RBIs.
"Milton is a very good ballplayer. As a baseball player and now as a manager, you just like to see good ballplayers do good. And I feel no different about Milton, I want to see him do good," Washington said. "It's nice that Seattle's got his back."
Bradley has repeatedly said that he feels enormous pressure to produce for the Mariners and that he is enjoying the atmosphere and his teammates in Seattle.
Bradley is batting .214 with two home runs and 12 RBIs in 21 games. He was in street clothes in the clubhouse on Thursday before the moves were made, speaking briefly with Ken Griffey Jr. and sitting quietly at his locker.
"We're just happy we're going down this road right now and getting him some help," Wakamatsu said.
Zduriencik said he was in contact with Major League Baseball on how best to handle Bradley's situation, finally determining the restricted list was the best move.
"I do not know the length of time this will take. Certainly we hope it's sooner than later," Zduriencik said. "I hope that we're not involved in this thing for a lengthy, lengthy period of time. I don't think that will be the case. I think we'll see some headway in a period of time and we'll move forward with it."
Saunders slumped at the start of the season at Tacoma, but rebounded with seven hits in his last four games to raise his average to .200. He hit .221 in 46 games with the Mariners last season.
Wakamatsu also said shortstop Jack Wilson (FSY) was only available in an emergency Thursday night after injuring his right knee running out a bunt single on Wednesday night. Wakamatsu said Wilson is day to day. filmm
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Seattle recalled outfielder Michael Saunders (FSY) from Triple-A Tacoma to fill Bradley's roster spot.
While on the restricted list, Bradley cannot be in uniform or with the team. He will miss at least five days and manager Don Wakamatsu said he won't go on the Mariners' eight-game road trip that begins next Tuesday in Baltimore.
TEAM REPORT: Inside the Seattle Mariners
But general manager Jack Zduriencik said the team opted for the restricted list instead of placing Bradley on the 15-day disabled list. Zduriencik said it's expected Bradley will be away from the club for "five, six, seven days for sure," and then the situation will be re-evaluated.
"The process has started. We're together with Milton and his agency group and we're forming a partnership to help him get through this thing," Zduriencik said. "The timeframe has yet to be determined. I don't know the answer to this because I'm not a professional in this field."
The moves came a day after Bradley met with Wakamatsu and Zduriencik and asked for help in dealing with his issues. The 32-year-old arrived at Safeco Field on Wednesday morning and told the leaders of his eighth team in 10 seasons, "I need your help."
That startling admission came after Bradley became angry for striking out twice on Tuesday night and Wakamatsu removed him from a close game in the sixth inning because the manager thought he wasn't fit to play anymore. Bradley left the stadium soon after. Several Mariners players described his mindset Tuesday night as "not good."
Wakamatsu said before Thursday night's game that Bradley met with a counselor earlier in the afternoon and all reports indicated the session went well.
The 32-year-old Bradley publicly blamed Chicago's fans and media for running him out of that city following his failed season with the Cubs in 2009. He already had run-ins this season, flipping off a fan during a game in Texas in the midst of a 1-for-21 start.
Rangers manager Ron Washington said before Thursday's game in Texas that he was happy to see Bradley getting help. Washington coached Bradley in 2008 with Texas, where Bradley set career highs of 22 homers and 77 RBIs.
"Milton is a very good ballplayer. As a baseball player and now as a manager, you just like to see good ballplayers do good. And I feel no different about Milton, I want to see him do good," Washington said. "It's nice that Seattle's got his back."
Bradley has repeatedly said that he feels enormous pressure to produce for the Mariners and that he is enjoying the atmosphere and his teammates in Seattle.
Bradley is batting .214 with two home runs and 12 RBIs in 21 games. He was in street clothes in the clubhouse on Thursday before the moves were made, speaking briefly with Ken Griffey Jr. and sitting quietly at his locker.
"We're just happy we're going down this road right now and getting him some help," Wakamatsu said.
Zduriencik said he was in contact with Major League Baseball on how best to handle Bradley's situation, finally determining the restricted list was the best move.
"I do not know the length of time this will take. Certainly we hope it's sooner than later," Zduriencik said. "I hope that we're not involved in this thing for a lengthy, lengthy period of time. I don't think that will be the case. I think we'll see some headway in a period of time and we'll move forward with it."
Saunders slumped at the start of the season at Tacoma, but rebounded with seven hits in his last four games to raise his average to .200. He hit .221 in 46 games with the Mariners last season.
Wakamatsu also said shortstop Jack Wilson (FSY) was only available in an emergency Thursday night after injuring his right knee running out a bunt single on Wednesday night. Wakamatsu said Wilson is day to day. filmm
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Google Goggles Text Translation: A Hands-On Trial
Strap on your seatbelts, Android fans: Google has a new tool in its Google Goggles Android app, and it's time to take it for a test drive.
Google announced the debut of its Google Goggles image-based text translation feature this morning. The feature, integrated into the new 1.1 version of the Goggles app, allows you to point your phone's camera at any block of text and have it instantly translated into your native tongue.
That's what it does in theory, at least. I gave it a whirl to see how well it actually worked.
Using Google Goggles Text Translation
Using the Google Goggles translation tool is simple enough: After downloading the latest version of the Goggles app (click here for a direct barcode link), you simply open the app and aim your phone at text. It could be on a street sign, a menu, or practically anything else you could imagine.
Once you have your target text in sight, you can improve your odds of getting a good translation by honing in on the specific words you want and blocking out everything else. You accomplish this by using a simple new crop tool, accessible via an on-screen icon, to select the area of the screen that's relevant.Andrea, Italy
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Google announced the debut of its Google Goggles image-based text translation feature this morning. The feature, integrated into the new 1.1 version of the Goggles app, allows you to point your phone's camera at any block of text and have it instantly translated into your native tongue.
That's what it does in theory, at least. I gave it a whirl to see how well it actually worked.
Using Google Goggles Text Translation
Using the Google Goggles translation tool is simple enough: After downloading the latest version of the Goggles app (click here for a direct barcode link), you simply open the app and aim your phone at text. It could be on a street sign, a menu, or practically anything else you could imagine.
Once you have your target text in sight, you can improve your odds of getting a good translation by honing in on the specific words you want and blocking out everything else. You accomplish this by using a simple new crop tool, accessible via an on-screen icon, to select the area of the screen that's relevant.Andrea, Italy
Movthear
Backpacking
disease
creature
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