Ways to Calculate Dividend Yield

The inherent value of a stock and its future potential can only be determined by studying the fundamentals of the holding company. It’s therefore essential that every stock investor be well versed in the art of security analysis. Among the many financial parameters that come under the scanner while studying a stock’s performance, one of the most important is ‘Dividend Yield’. Ergo, it’s essential that a beginner stock investor knows how to calculate dividend yield. That’s exactly what is discussed in this Buzzle article, which also offers a ready-to-use online dividend yield calculator, which you can use right away. Those among you, who are clueless about what dividend yield is and its calculation procedure are advised to keep reading ahead.

Dividend Yield Calculator
Enter Annual Dividend Value Per Share in USD
Enter Current Trading Stock Price in USD

Dividend Yield =

What is Dividend Yield?
Many public listed companies offer a share of their annual profits in to their shareholders. The share of profits received is known as a ‘Dividend’. Depending on the quarterly profits of every company, its dividend value varies. Also, subject to company performance and market whims, its stock price rises and falls on the stock market. A dividend yield value correlates the company’s annual dividend paid per share with its current stock price. In fact, when you divide the annual dividend per share, by its current stock price, what you are left with, is the dividend yield. Here is the formula used for dividend yield calculation.

Dividend Yield = (Annual Dividend Value Per Share) / (Current Stock Price Per Share)

Dividend yield is a ratio is often expressed in percentage. The higher the value of the annual dividend, more profitable will be the acquisition of the stock.

Dividend Yield Calculation
From the company financial records offered online, you can compute the value of dividend yield, if you know the current stock trading price and the annual dividend value per share. Let me illustrate the calculation, through an example. This ratio offers you a direct measurement of the return on investment, which you might expect through purchasing of the stock.

Consider that a stock is trading at a value of $25 and it yields an annual dividend of $4 per share, then what would its dividend yield be? Using the calculator presented above, the answer can be easily computed. In this case the result would be as follows:

Dividend Yield = ($4/$25) = 0.16

This value means that 16% of your money invested in buying the share would be eventually recovered through dividends. If you find an actual stock which can provide a 16% dividend yield, I would recommend that you buy it. However, the yield rarely tends to be this high and is usually less than 10%. Using the calculator provided above, you can easily computer the dividend yield value for any stock. Visit any one of the online services which provide live stock data. My suggestion would be that you use Google Finance site, which offers complete information about any stock trading on NYSE, NASDAQ and AMEX.

As you might have already realized, computing the dividend yield value is a simple task, once you know the annual dividend share value and the price at which the stock is currently trading. Companies that have been in business for long and especially blue chip companies like Google or Microsoft will always have a greater dividend yield percentage, compared to others.

Stocks with rich dividend yields are investments that can provide you with a high return on investment in the future. Consider all the factors which determine the value of a stock like earnings per share, company’s P/E ratio, debt to equity ratio, past revenue records and other factors in totality, before deciding to make a share purchase.

Finding Best Stock Investing Strategies

download-31Every business organization needs capital to function and earn profits. This capital is collected by the organization by issuing shares or stocks that can be purchased by individuals. When you purchase stocks of a company, you get a stock certificate which states the number of shares acquired, and implies that you have a partial ownership of the company. This means that you will earn a share of the company’s profits, in proportion to the number of shares you invested in. For example, if a company has 100 shares and you buy 5 of them, you have 5% ownership of the company. A stock market is a place where you can invest in, and trade for, stocks of different business firms at a certain price. An example is the New York Stock Exchange (NYSE).

When it comes to the best strategies to invest in stocks, there is no single strategy that is universally recommended. You can choose a strategy that suits you, based on how much amount you wish to invest, the risk you are willing to take, and how the market behaves. You should have a clear picture of how the stock market works, in order to invest in stocks successfully.

Techniques for Stock Analysis

There are basically two analytical techniques used by stock investors for stock picking, or choosing the stock to invest in. Let us discuss each one of them.

Fundamental Analysis

This method of analysis is used for analyzing the financial condition of the company, its market share, competition etc. There are two approaches for conducting fundamental analysis: top down approach and bottom up approach. Using the top down analysis method involves beginning with the study of global and international markets, and finally zeroing in on the best business firm in the local area. In contrast to this, the bottom up method of analysis involves studying about specific business organizations, irrespective of the region.

Technical Analysis

This method of analysis is about forecasting the stock prices of business firms by taking into consideration the past market data. However, its major drawback is that stock prices are unpredictable and do not follow any distinct patterns.

Strategies for Stock Investing

The stock market can witness both upward and downward market trends, due to which it is always advisable to adopt certain strategies to avoid financial losses. Let us discuss few of the best stock investing strategies that you can keep in mind while investing in stocks.

  • Remember the three golden words: selection, timing and price. Investing in the stocks of the right company at the right time, is fundamental for success.
  • If you are a beginner to stock market investing, you should not opt for penny stocks, or stocks of small public companies.
  • Set individual goals and decide what you want out of your investment. This will help you zero in on the perfect investment plan that will suit your needs. Remember that the ultimate objective of investing in stocks, is to make your money grow over time.
  • Before investing in stocks of a company, check on the risk factors involved to make sure it is safe and acceptable.
  • Don’t aim at getting rich overnight, instead, plan for long term returns.
  • Don’t rely merely on luck for success. Do your share of homework before investing, make sure the company has a stable management, consistent profitability and long-term growth potential.
  • To reduce the risk factor, it is advisable to invest in a number of growing companies, and keep a tab on their stock prices for an opportunity to buy more shares when there is a dip in stock prices. This will also add diversity to your investment portfolio.
  • Do not sell stocks except when it is favorable to do so. You can sell the stocks when either the stocks you have are not fetching you any profits, or when the company is close to the end of its growth phase.
  • Do not be impulsive in selling your stocks, merely because of the current market trends, or simply to achieve short-term gains. Do not allow short-term market fluctuations disturb you.

Investing in the stock market successfully is an art that you can master if you tread with care, and are persevering enough. Just incorporating some of the best strategies for stock investing will help you reap appreciable profits. Here’s wishing you luck!

Ways to Start Your Personal Concierge Business

download-30Working individuals always find it difficult to maintain a balance between their personal and personal lives. According to some studies, it has been found that most of the employees take care of their personal responsibilities while at work, which imbalances their performance at work.

Hiring a concierge such as personal concierge is amongst the best solutions for those busy individuals as the person offering this service will take the responsibility of doing all of your daily routine tasks. Before going further, you need to know what a personal concierge can do for you? For this, first of all know its definition.

A personal concierge is a person who provides personal errand services to individuals and businesses. You no longer need to worry about completing your household jobs like house cleaning, grocery shopping, payment of utility bills, dry cleaning of clothes, dropping your letters to the post office and others. In the present times, starting a concierge service business is amongst the best options as it requires a small investment. You can either start a self-employed business where you alone have to handle all the requests of your clients or you can build a team of professionals who are capable of doing a job of a concierge.

Below are some important points listed that can be useful to you start a concierge business:

The first and most important thing that needs to be taken into consideration is to find out the legalities of this business like is there any requirement of a license to run this business, an insurance of your business or any other thing. You need to fulfill all those conditions in order to start your concierge service business.

The second thing that you need is a perfect plan to make your business a success. Planning is important for every business, whether it is small business or a big one. You need to have a plan like what would you do to maximize your profits.

The next thing to take care is to do proper research in the market to study the industry and search for your competitors. Doing research will give you an idea about the market so that you can start offering a unique service that makes your business different from others.

Promotion of a business is much important than any other thing as it makes people aware about your business. You can promote your business by advertising it through classified ads in newspapers and magazines.

You need to have excellent communication skills if you are starting a personal concierge business alone or if you are starting your business with a team of professionals, then each and every single person in your team needs to possess excellent communication skills.


Ways to Pick Stocks That Pay Dividends

download-29What adds value to an equity share, in addition to the increase in its price, is the dividend payout. Steady stocks with a history of regular dividend payments are attractive investments for retirees and those seeking a steady source of income. A smartly chosen portfolio of dividend-paying stocks makes for a great income source in the long term. Studies have revealed a positive correlation between consistently high dividend yield and the future growth potential of stocks. Taxation is levied on dividends, according to standard or reduced rates.

While not all high growth stocks may be paying dividends (Berkshire Hathaway being a case in point), the ones that do, make for ideal investments. Investors looking for a long term (10 year or more) investment horizon, should opt for these stocks. These investments prove to be productive assets during bear markets, ensuring a steady income stream.

A thorough analysis of the stock’s current relevant fundamentals, its history, the future potential of the business in its market domain, and the ability of its management are some of the factors that need to be taken into consideration. In what follows, we provide a succinct guide, that will identify the exact factors to consider and help in developing your personal investment process.

Choosing Dividend-Paying Stocks

As much as 80% of the S&P 500 stocks pay dividends, providing a substantial pool to choose from. We have extracted the best stock-picking advice from the world’s leading investment professionals to provide pointers that will help you choose the right equity options.

Long History of Consistent Payments

Companies with known dividend-paying history spanning decades, with a steadily increasing yield percentage, make for good investments. An example is Procter & Gamble (NYSE: PG), that is backed up by two solid decades of growing dividend payout record. Another example is PepsiCo Inc. (NYSE: PEP), with two decades of consistently-rising dividend payment history. This doesn’t mean that stocks that have only recently started paying out dividends should be ignored, but a company that has a proven history makes for a safer bet. The ability to pay out dividends to shareholders on a regular basis, indicates the sound financial health of a company.

Good Dividend Yield

Yield percentage is obtained by dividing the annual dividend yield offered per share, by the price per share. In short, it quantifies the degree of returns per dollar invested in a share. For example, if the annual dividend yield paid out by a company is USD 1 and its price happens to be USD 20, then the yield percentage is 5%. Most companies provide 2% to 5% yield, making for decent investments. A value higher than 5% does not necessarily indicate a good stock, as that amount of payout may prove to be unsustainable in the long run and the dividend yield may in fact decrease in the future. Look for businesses that have sustained or gradually increased their yield over the years.

A Decent Payout Ratio (Preferably Less Than 60%)

The payout ratio defines the quantum of earnings paid out as dividends by a company. It is obtained by dividing the dividends per share, by the earnings per share of the company. Generally, if the payout ratio is too high (above 60%), it may turn out to be unsustainable in the future. A payout ratio that’s less than 60%, indicates that the company may be using the remaining shares of its earnings for share buybacks or reinvestment in its own business activities; this being a good sign.

High Earnings Per Share (EPS)

A high earnings per share value, that has consistently grown over a decade, indicates that the business has been steadily growing in profitability. Ergo, a history of progressively rising EPS marks out a growing business and makes for a good investment.

Strong Free Cash Flow

The ability of any public-listed business to expand its operations, pay out dividends, engage in share buybacks, and acquire new assets depends upon the availability of ready cash. This free cash flow is the amount of money at a company’s disposal. It is calculated by subtracting capital expenditures from the operation cash flow. Companies with strong positive cash flows are most well-positioned to pay out dividends in the future and therefore, make for excellent choices.

Ability to Buy Back Stock

Another feature that you should look out for is a history of share buybacks by the company, from shareholders. When shares are bought back, the number of shares available in the market reduces, automatically increasing the earnings per share, besides benefiting the investors from whom the shares are bought. Moreover, it increases the value of existing stock for investors. Therefore, it is beneficial to go for a company that has opted for share buybacks in the past, as it is more likely to do the same, in the future.

Predictable Earnings and Steady Demand

Stocks from sectors like utilities, that can provide predictable earnings over the years, with high demand for their products in domestic, as well as international markets, make for ideal investment targets for the long term. The high demand guarantees consistent sales, which in turn indicates a positive cash flow, leading to dividend-paying ability.

High Cash Balance

High retained cash balance ensures that the company has enough balance to fund future dividend payouts. High liquidity is a strong asset, that boosts the stock’s value.

Low Debt

Besides all the above factors, the fact that a company owes less and has low expenses in terms of interest payments, makes it buoyant enough to pursue new projects and take risks, which is good for the growth of the stock, in the long term.

Strong Fundamentals and Stock Price Stability

Very high volatility in stock price indicates erratic financial performance. Ergo, price stability over the years is an important factor to consider, when evaluating a stock. Other than all these features, look for companies with a capable management and strong financial fundamentals, indicated by high quarter-on-quarter revenues, high return on investment (ROI), low P/E, and low P/B ratio.

Through dividend reinvestment programs (DRIPs), a company offers you the option of buying more shares through your dividends, instead of getting paid in cash. This is an added advantage of opting for such stocks.

Always think long term, is a dictum that has often worked in favor of most successful investors and you need not be an exception. Thinking of a stock as buying a quantum of ownership in a business, helps in developing the appetite to stay invested for the long term. Base your decisions on financial fundamentals, instead of the latest speculations. To sum up, look for positive cash flow, predictable earnings, low debt, high cash balance, growth potential, and history, when choosing income-generating dividend stocks.

The Guide for Start Small Business With Zero Investment

Have you ever thought why more and more people are inclining towards online business? No, let us tell you! The prime reason of admiring an online business is that it requires less investment and risk than that of brick and mortar stores. As the business is online, it makes easy for the owner to reach the audience and work virtually irrespective of the place and time. Just by having some basic website designing, communication skills and marketing knowledge you can easily run the online business and earn bucks.

Online businesses are growing drastically these days. Instead of employing full time workers, many organizations prefer hiring online marketers and assistants to uphold the work. In order to become a successful online entrepreneur, you have to put efforts. Running an online business is not a gigantic task; just with some business basics you can easily reap profits. Below we are emphasizing on top online business tips to aid you start business with less investment and ease.

  • Build a set up strategy – There are numerous ways for the entrepreneurs to make money via an online business. Though, it is advisable to start with easiest way which fits to your pocket. Creating a strategic plan and adhere to it will keep you organized and make your business powerful so that you can gain a competitive advantage in the marketplace.
  • Set up an Ecommerce website – Launching an ecommerce website for the products and services that you offer is the most vital step. Apart from design and layout, you should also concentrate on the contents. Contents are the soul of any website, so make sure that the content you add are unique and relevant enough to boost the traffic. Additionally, try to integrate some blogs to keep people engaged on your web pages.
  • Get your online app – It is another beneficial option for the online business owners! Today, people are becoming tech-savvy and preferring to get their work done instantly. So, it would prove to be a lucrative deal for the owners to endow an application so that people can get quick access to the product inventory and make purchase.
  • Get listed on online business directory – Online directories are the portals which facilitates users to find services easily. To add business on listing sites, you need to provide business title, address, email address and phone number as well. Ensure that the information you give must be true.

Is it possible to become a successful entrepreneur through affiliate marketing?

Yes, you can easily become an entrepreneur and make bucks by trying your hands on this popular online industry. An affiliate is a person who sells products and services for other ventures and receives commission in return. The best aspect of affiliate marketing is that you are not required to manufacture products yourself. If you are a beginner with zero business knowledge, then you should start as affiliate marketer. Once you start understanding the business tactics, you can start your own venture.


Ways to Invest in Bonds

With the volatile nature of equity markets, financial planning is becoming a major challenge for the public. Many people are hesitant to invest in shares and are instead looking for different options; bonds are certainly a safer option in such uncertain times. To understand this concept, one must first know the meaning of the term ‘bond.’

Bonds are also called fixed income securities where the investor gets a fixed rate of interest and an assurance of capital protection. Let’s assume that you buy a bond with a face value of USD 20000 at an interest rate of 8% and a maturity of 10 years. You’d earn a total interest of USD 1600 (USD 20000 x 8%) per year, which could either be paid to you annually or bi-annually, and on maturity after 10 years, you would get back the amount of USD 20000 that you had invested.

Ways to Invest

Investing in bonds can be done using any one of the following methods.

  • Brokers – The ideal way of investing is to approach a broker. There are the full-service and the discount brokers. While the former provides you investment tips and advice along with the usual trading, the latter only deals with buy and sell orders. Of course, the former takes an extra fee for all the tips that he offers.
  • Financial Institutions – Your bank would have a facility where they allow their clients to transact government securities for a fee.
  • Treasury Bonds – If you don’t have an existing brokerage account and want to do it yourself, then all you need to do is visit the government website, treasurydirect.gov. It is a hassle-free technique wherein all the transactions including interest payments happen online.
  • Debt Mutual Funds – These funds typically buy into low-risk securities, bonds being one of them, and the returns are quite stable, unlike their equity counterparts.


Investing in bonds could be beneficial due to the following reasons:

  • You get higher interest rates as compared to a bank savings account.
  • It is a safe investment, as one gets the principal amount back in full at the end of the maturity period.
  • They offer regular income in the form of interest.
  • For retirees, it provides them a regular source of income for the long term.
  • As these investors are creditors to the government/corporation, they hold a preferential claim on the assets as compared to the shareholders. In case of a bankruptcy, they are paid before the shareholders.

Having said that, it is imperative that you conduct a thorough research before investing your hard-earned money. Risk-taking capacity as well as financial needs should drive one’s investment strategy. It is recommended that the portfolio is diversified so that losses in one asset class can be offset by gains in another.

Ways to Invest in Solar Energy Stock

These days investors are in search of unique companies which are seeing a phenomenal growth in their business and are expecting better profit margins in the days to come. As a result, the stocks of top solar energy companies are in demand. Given below are some vital suggestions on how you too can invest in solar energy stocks.

Look for Technologically Advanced Firms
In the future, solar energy demand and applications are expected to rise tremendously. To cater to the rising demand, firms will need to have very high quality and modern technology. So, before investing in solar energy stocks, it is essential to know of the technological advancement of the firm. Ideally, you should go for companies that have an advanced research and development department that is engaged in new inventions to beat competitor firms.

Check the Fundamentals
Technology alone cannot be the factor to consider while selecting the top solar energy stocks. You also need to look at the fundamentals of the companies in this business and select the ones which have a good track record in dealing with clients successfully. Examining cash flow, profit and loss accounts and balance sheets of firms is essential to know of their cash reserves and financial strength.

Know the Debt Levels
All those keen on investing in solar energy stocks should understand that high debt levels can create a major problem for firms. Companies with high debts have to spend a huge amount of money on interest payments, and this affects their financial status and future plans. So, as far as possible, choose companies with comfortable debt equity ratios.

Be a Long Term Investor
All investors wishing to invest in the solar energy sector should note that investments can give superior returns only in the long term because the nature of this business is capital intensive. A lot of money is utilized in purchasing equipment, machinery and their maintenance, and hence it takes years even for the leading solar energy companies to post big profits. So, the time frame for investment in solar energy stocks should be for more than three years.

Check for Institutional Interest in Stocks
Institutional investors generally invest in huge amounts in companies having promising future. So, before you put your money in stocks of solar energy firms, you need to check institutional stakes in these firms.

When you put your money in the solar energy sector, you should have an investment perspective rather than trading in these stocks for small term gains. Stocks of companies with rapid expansion plans can become multi-baggers in the future and help you earn big money. You can take help from your stock broker or stock investment expert to choose the right stocks.

Ways to Buy Municipal Bonds

A municipality or state-run administration or county are grass root level public administration and governance bodies, that look after the well-being of a geographically smaller area. The area and population that come under the jurisdiction of a municipality are basically smaller than usual state and federal governments.

Being public administration bodies, such governments tend to make gigantic capital investments, in capital assets. That is projects such as building of roads or bridges tends to have a one time investment, which is gigantic. The recovery of the cost is pretty prolonged but assured as the revenue comes from the public, and since the amenity is of public demand, it is again assured. Thus, in short, the return on investment in case of municipal bonds is an assured deal. This makes municipal bonds one of the best investments.

About Municipal Bonds

The purpose of municipal bonds as mentioned above is simple, to facilitate the finding of huge public amenity projects. They work just like all other bonds, they have one time investment and term of period of maturity upon which, the investors are repaid the invested amount, plus the amount of interest that has been accrued on the principal amount. A person cannot withdraw the municipal bonds mid-term and in any case if they do so, the interest that has been accrued is lost completely.

In the United States, the market of municipal bonds is an over-the-counter market which is accessible through a network of broker-dealers. This market is governed by the Municipal Securities Rule Making Board, that also governs the authorized dealer brokers who deal in these bond investments. The minimum face value of a municipal bond tends to be $5,000.

This is the amount that an investor will receive upon the maturity of the bond and is known as the face value of the bond. However, the purchase value of such bonds is not $ 5,000. It is quite lower, because the standard municipal bonds are issued at a discounted rate.

Now, there can be different combination in the issue value of bonds. There are several bonds that are issued at face value, and the interest goes on accruing on them based upon the prescribed rate. When it comes to rates, there are two types that is floating rates and fixed rates. The fixed rates are standard ones that do not change. The floating rates however, change as per certain economic conditions, and especially as per the revenue that is being generated by the project.

How to Buy Municipal Bonds

The process of investing in municipal bonds is not that difficult, owing to the fact that the bonds market is an over the counter market, and you just have to approach a certain dealer in the market. A list of such dealers is available with the Municipal Securities Rule Making Board. The approach process that is used to finalize the municipal bonds is the difficult one.

  • There are some simple steps, with the help of which you as an investor can finalize upon the municipal bond that would be apt for purchase. The first step is to call up your broker, and know the number of all the available bonds and the prices for which they are available. Note that all the prices will be market prices or the issue price (which is substantially less), plus getting all the other features of the securities is equally important.
  • Next, you will have to assess three dimensions of the bond as per the budget that you have allocated for the purchase. Assess the price for which the bond is available, and then compare it with the yield. Of course the yield should be substantially more than the price. While making this comparison bear in mind the duration or term of the bond. The general rule of thumb is, longer the term of the bond, more is the yield.
  • These bonds are also rated by some firms such as Moody’s, Standard & Poor’s, and Fitch Ratings Service. It goes without saying that better the rating, the better is the bond, i.e, it will give a better yield. The best municipal bonds usually have the AAA rating.
  • The last part is analyzing the general features such as the investment destination of the bond and history, in case of those which are already issued bond (also known as a secondary market bond).

Buying such bonds is not a difficulty task, all you need to do is analyze properly. The analysis in itself is quite simple and straight forward. Apart from just being an investment, a municipal bond is also a widely accepted security against loans and credit, which possesses a very good liquidity. The taxability of municipal bonds is also low, which gives the investor an additional benefit.

Tips on Choosing Municipal Bonds

Here’s how municipal bonds work. Firstly, a person pays a lump sum to a municipal body such as the local government, municipality, city, county, etc. This sum is to be maintained with such bodies for a certain number of years, which is known as the term of the bond. It ‘matures’ with time and the investor or the person is repaid the principal amount, along with an accrued interest sum, which is denoted in percentage of the said amount.

The bond finances are put to use for projects of public amenities such as building of roads, bridges, schools, and other services. The revenue is generated directly from the project itself, and in some cases, it is generated from taxes and periodic funds of the State and Federal government.

Some of the best bonds are also the best investment channels, as they have an assured rate of return, plus a very good rate of interest. Few, in fact, yield 20% to 30% returns on the investment amount.

A Basic Guide

In the United States, the Municipal Securities Rule making Board, is the body that governs the issue and operations of these bonds. There are two markets- primary and secondary, which can be accessed with the help of broker dealers. A primary market is where the first issue of bonds is made, while the secondary market is where the already-issued bonds are traded. If you are looking for the best municipal bonds to buy, then the primary market is a good channel. However, some of these are also found in the secondary market.

Now, returns from such bonds would differ from person to person, depending upon how much amount one is willing to invest, the time period of investment, and the rate of return that the bond offers. There are basically several parameters that can be used to conclude and rate the success of these bonds. The following are a few pointers that will help you to determine the best bonds:

  • Have a look at the project purpose for which the bond is being issued. Power projects, logistics, and water projects are the ones, where the revenue is directly derived from the users of public amenities. Such bonds always have a really high return on investment.
  • Check the time period comparison with the total return amount. Some bonds go on for decades together, and have a really great return. They are usually issued at a substantial discount that can either be retained as a long term investment, or can be sold in the secondary market.
  • Check the demographics of the municipality, industrial area, big commercial cities, ports, and agricultural localities that will have really good bonds.

There are certain other features that you can also ascertain, like a tax-free municipal bond, which is very useful. Research and rating agencies also rate these bonds. Moody’s, Standard & Poor’s, and Fitch Ratings Service, are some of the agencies which can be referred. A price history analysis can be initiated with the help of a CUSIP number, when you are buying from a secondary market.

Best Bonds to Buy

The following are some effective pointers which will help you to choose some of the top municipal bonds. You can also research on those bonds that are parallel to the following ones:

  • Invesco Tax-Free Intermediate (AITFX): Its assets total up to a mammoth USD 1.71 billion. It has a rate of return of about 5% per annum and has a 1.9% yield, with a small 0.38% charge.
  • Marshall Intermediate Tax Free (MITFX): It performed well even during the credit crisis of the economic recession. This bond returns about 5% annually, has a yield of 2.7%, and a charge fee of 0.55%.
  • Vanguard Intermediate Term Tax Exempt (VWITX): It has a good tax exemption and a really good yield of 2.4%. Annually, this bond has given a return of about 5%.
  • USAA Tax Exempt Intermediate Term (USATX): This one’s really good and has shown a performance of 7% per annum in the past. The yields of this bond are at 3.3% and it gets a fantastic profit in the secondary market.
  • American Century Intermediate Term Tax Free Bond (TWTIX): It has a really good and steady yield of 2.2%, and depicts a 5% annual performance.

In the above list, the symbols in the brackets are bond codes. A yield is the total return, and an annual performance is the specific return of the year. If this performance is good for a specific bond, you can sell it in the secondary market for a handsome profit margin.

Ways to Increase Your Business Online

In this modern day, while almost everything may be discovered on line, having an internet site is crucial and probably the maximum useful investment in your enterprise. considering the increase prices inside the remaining many years, internet users international increased unexpectedly or even more thrilling to realize that it’s miles predicted to grow surprisingly in the coming years. Extended privately or government owned communications are continuously being built so net may be comfortably available for every person each time, anywhere at a velocity of mild. It is never too overdue to have your personal internet site constructed and show to the sector what you need to offer, however before diving in to the huge world of net, here are some questions you need to be asking yourself: privately

  • Is your commercial enterprise ready to be visible via the arena?
  • Are you satisfied and committed to take your enterprise to the next level?
  • Are your services and products competitive sufficient to go online?

In case you replied sure to these kinds of, then you definitely are probable for your manner to push your enterprise to the next level. Here are some guidelines that can assist you reaching on line fulfillment.


The first and major factor that has to be finished in enterprise making plans is research. Recognize your business properly, recognize your target market, and recognize what they’re searching for on the net. Having spot studies is important in starting off your internet site. Your website development issuer might be able that will help you along the manner.


As a thriving online marketer, you need to additionally learn some e-trade terminologies and technology along with domain call registrations, internet website hosting, online charge and plenty of greater.


Get a credible internet site improvement business enterprise that could support your thoughts and wishes. Search for websites you like and let them recognize your challenge and vision for the business enterprise or business you take online. Do now not overload or kill it. You should ask your developer to have a quick-loading and person-friendly web page. No longer only customers will find it irresistible however search engines which includes Google and Bing as nicely.


Having a website and making it stay would not just end there. It’d be a waste in case you built the maximum beautiful internet site in the international however no one could see it. You must continuously build an effort to ensure your website is served on your target marketplace. Constantly updating your website by means of having fresh and relevant content material should preserve your marketplace extra engaged.


Ask question and put it in your smart phones. Solution on your consumer’s desires and leads them to glad. Recall, the client is the lifeblood of your commercial enterprise.

Setting your commercial enterprise online and selling it often might also dramatically growth your income, be equipped for different big plans and promotions, it’s a tremendous manner to encourage and have interaction your clients. Now the query is, when are you going to take your commercial enterprise online?