Monthly Archives: October 2016

Could Workforce Recovery Organizing Repair Your Enterprise After a Disaster?

Organizations of most sizes depend on info technology since a vital component regarding their everyday operations. Simply because data availableness is any top priority, the require for businesses to put together workforce recovery plans is usually essential. In accordance to experts, however, virtually 60% associated with businesses accomplish not possess a problem recovery prepare alternatives in circumstance of problems – the recipe intended for possible company failure. Studies discovered which 52% involving companies in which lose their particular data thanks to unfortunate occurrences go out there of company within all day and months, whilst the government indicates which 92% tend to be out regarding business within just six decades.

Disaster restoration preparation can easily be the daunting starting, with a lot of scenarios for you to analyze and also options to be able to pursue. This is crucial to start off with the particular basics along with add to be able to the prepare over time period. To start, define exactly what is significant to preserve the enterprise running – such as email along with application accessibility, computer products, backing up their database – as well as “recovery time” or perhaps exactly how quickly the particular company requires to become up as well as running after a disaster. Other crucial plan parts to look at are figuring out who inside the company declares typically the disaster, just how employees tend to be informed which a problem has happened, and the particular method associated with communication along with customers to be able to reassure all of them that typically the company can easily still support their demands with workforce recovery.

Once some sort of workforce recovery plan offers been set up, it is actually critical for you to monitor typically the plan for you to ensure the components are usually implemented successfully. A recovery strategy should become viewed while a lifestyle, breathing contract that can easily and need to be current frequently, while needed. Furthermore, proactive continuous monitoring along with remediation involving processes, this sort of as safe-keeping and info replication, effects in a lot fewer concerns and fewer downtime must a economic crisis occur. The capacity of the actual plan in order to be powerful in urgent situation situations could only become assessed when rigorous screening is transported out a single or much more times each year throughout realistic situations by simulating situations which would always be applicable inside an genuine emergency. Typically the testing period of the actual plan have to contain significant verification routines to allow the program to remain up in order to most troublesome events. The particular primary issues for info back-up are generally security through and convenience following some sort of crisis. Go to to learn more.

How to Make Money Investing in Stocks in Any Market

I write this with one eye on 2015 and 2016; and the other focused on how to make money investing in stocks. And I remind myself that there are two market concepts that must be understood and considered in order to make money investing in stocks in any market.

Nobody can always make money investing in stocks (also called equities), but those who outperform year after year do so by applying two basic concepts. Here we will use 2015 and 2016 as an example because they promise to be challenging years. We’re not talking about finding tomorrow’s glamour stocks or short-term trading here. We’re talking about two important and basic market concepts that many investors either are not aware of, or that they overlook at their own expense.

Concept #1 refers to the cyclical nature of markets. Prices will always fluctuate, but there are reoccurring and identifiable price trends that can either make you or break you. A trend of rising prices is called a “bull market”, and just about anybody can make money investing in stocks in these “good” markets. The good news is that they often last for several years. The bad news is that they are always followed (sooner or later) by a trend of falling prices which is called a “bear market’, or simply a “bad” market for most investors.

The good news is that bear markets (like the last two) sometimes last for less than two years. The bad news is that they can be swift and brutal – creating losses of 50% or more for investors (like in the last two bear markets). The other bad news is that very few investors ever make money investing in stocks in a bear market. More bad news: if you lose half your money in a bad market, you then need to double your money in the next good market in order to simply break even.

As I look forward to 2015 and 2016, I also look back to the years 2000 and 2007. Both years were the beginning of bear markets that followed good markets. Both created 50% losses in less than two years and wiped out most of the profits investors earned in the preceding good markets. As of 2015, the current bull market that started in early 2009 is almost six years old. The stock market has again hit all-time highs. The challenge now is how to make money investing in stocks in 2015 and beyond if a new bear market hits in 2015 or 2016.

As we move on to concept #2, note that we are not talking about how to avoid losses in a bear market, but how to actually make money investing in stocks. You can always avoid losses by getting out while you are ahead, or you can reduce losses by cutting your asset allocation to stocks.

While just about everyone knows that you can make money investing in stocks when you buy them and equities prices rise… most folks do not know that you can also bet that prices will fall and make money if they do. This is called taking a “short” position. It’s legal, and has been going on for many years. During the Great Depression some people in the know got filthy rich “going short”; and during the financial crisis of 2007- 2008 you could have made big bucks betting against the market as well.

This is concept #2 and is the flip side of how markets work. The good news is that it will be easier than ever to make this bet in 2015 and 2016. The bad news is that it’s not for everyone, because you can take significant losses if you go here and prices move UP, against you. Actually, I’ve known people who are repulsed by the concept and some who even think that it’s un-American and should be illegal. That having been said, it’s a fact of life and part of the free-market system we live in.

It’s never easy to make money investing in stocks by going “short” because the market trend over the long term has been up. On the other hand, when the market goes south you won’t make money investing in stocks any other way. You’ll lose it along with about 98% of investors. The easiest way to short the market these days is to simply buy stocks called INVERSE EXCHANGE TRADED FUNDS (ETFs). Popular examples (stock symbols) include DXD, SDS, and QID. In order, these allow you to short the three major indexes: the Dow, the S&P 500, and the NASDAQ.

These (and other) inverse ETFs are designed to go UP in price when the market indexes go DOWN. In fact, if the index goes down 1% they are designed to go up 2%. If you want to try to make money investing in stocks in a bad market, inverse ETFs are the simplest way to do it. They can be easily bought and sold through a discount broker for about $10 per trade.

Above all else, keep the concept of bull and bear markets in mind in your endeavor to make money investing in stocks in 2015, 2016 and well beyond. While a rising tide lifts all boats, a falling tide can leave them dead in the water. If you are adventuresome and can handle the risk, you now know how to make money investing in stocks when the tide goes out.