Capital growth or capital gain The increase in value of your original investment or asset.
Income The dollar amount return you earn from investing in an asset.
Total return Income plus capital growth.
Yield The annual rate of income received expressed as a percentage of the original asset value
Direct investments You invest directly into that investment, not through an agent or broker. You have control of how your own money is invested. You decide when to sell, when to buy, and you receive all the income and possible tax benefits. You are also responsible for the taxation implications.
Managed funds A structure whereby investors give their money to be managed by one person or a one-fund manager. The fund manager (the controller) decides what to invest in, when to sell and when to buy.
Industrial shares The shares of companies that are involved in the production or sale of goods and services.
Compounding This is where the investment increases exponentially over time due to interest being paid not just on the original investment or capital, but on the previous interest earnedr as well. Essentially it’s interest on interest.
All Ordinaries index or All Ords A measure of the level of share prices at any given time from a sample of major companies listed on the ASX that measures the overall performance of the share market.
What are asset classes?
The following are investment basics. At the very minimum you should aim to understand the four asset classes and be able to explain them to someone else. The principles of asset classes are very important and will not only prepare you for your approach to saving for private school fees, but also for any other lifetime financial goals you may be aiming for.
There are only four asset classes and they are:
• cash
• fixed interest
• property
• shares.
To start with, it is important that we look at schooling in context of Australia today. To do this we will look at the education system in Australia; the critical factors you should be thinking about when deciding whether or not to place a child in private school, and historical and projected figures for private school fees.
Never before has a good education seemed so important. An increasingly global economy and competitive workforce means the foundations for success need to be set early. With this thought in mind, many parents look to the schooling system to deliver the best outcome for their child.
In Australia, there are two main types of schools:
Government – these schools are fully funded by both the federal government and state and territory governments. Under most state laws they must accept any student. Around 67% of students attend government schools .1
Non-government or private – these schools are governed independently. Many provide a religious or values based education and others promote a particular education philosophy. Around 33% of students attend non-government schools. The non-government schools sector includes:
• Catholic schools – about 60% of non-government schools 2
• Independent schools – about 40% of non-government schools.
Catholic schools are run by the Catholic church Church and generally they are less expensive than other independent schools. Overall, Catholic schools make up about 20 per cent of the Australian schooling system. 3
Independent schools are a diverse group and include: Anglican, Lutheran, Presbyterian, non-denominational Christian schools, Islamic schools, Jewish schools, Montessori schools, Rudolf Steiner schools and schools that specialise in meeting the needs of students with disabilities.
Family belief systems will strongly influence the type of school that you send your child to. The fact you have picked up this book means you are seriously considering the option of a private school education for your child.
Parcours de spécialisation de Finance de Marché et Gestion des Risques de l’ESCEM et double diplôme avec l’école d’ingénieur parisienne l’ECE Retrouvez le détail des 19 parcours de spécialisation de l’ESCEM Grande Ecole : www.escem.fr Isabelle KLEIN, Professeur de Finance de Marché à l’ESCEM
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This time Max Keiser and co-host Stacy Herbert look at the scandals behind Hank Paulson’s memoir allegations, Hilary Clinton’s threats to cut China’s energy supply, and Barack Obama’s big, big budget. Keiser also talks to former economic hitman John Perkins about whether or not the United States is now being attacked by economic hitmen.
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on 14th December 2011 at Zara Expo, Grand Hyatt Amman Hotel in Amman City, Jordan. This Event continued for three days till the 16th December 2011 and included different activities and workshops with the huge presence of Libyan Investors and Businessmen, and wide participation of Jordanian Companies in addition to the existence of important Jordanian Figures. During the opening of Rebuild Libya Preparatory Conference and Sahel 2 for Finance and Investment Exhibition, Mr. Nael Al-Kabariti, Jordan Chamber of Commerce Chairman, affirmed the visit of Economic Jordanian Delegation to Libya soon. And he added “this Exhibition is a unique Jordanian – Libyan Economic gathering”. On the other Hand, the Chairman of Jordan Chamber of Industry Mr. Hatem Al Halawani said “Jordanian Labors which are highly qualified can deal with the several levels of the production process and can create several job opportunities”. Engineer Abdullah Obeidat, President of Jordan Engineers Association, affirmed the role of the Association in Rebuild Libya during the wide participation of the companies in the Engineering sides in Libya. The Member of the Board of Directors of Libyan Businessmen Council Engineer Khaled Ben Otman indicated that the labor market in Libya needs the efficiencies of the human and high qualified human elements, and he invited Jordanian Businessmen to attend Rebuild Libya Conference which will be held in Tripoli, the Capital of Libya
finance
This time Max Keiser and co-host, Stacy Herbert, look at the scandals behind: ‘the owner of Great Britain’ bouncing a $54 million check for a pile of dirt in the Persian Gulf; a currency speculator in Monaco moving currency markets with an ‘accidental Jim Rogers press release’ while Colonel Gaddafi calls for jihad against Switzerland and receives zero market impact; and Alan Greenspan wins major award for causing up global financial markets to explode. Keiser also talks to David DeGraw about his new book, “The Economic Elite versus the People of the United States of America.”
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Financial Theory (ECON 251) This lecture gives a brief history of the young field of financial theory, which began in business schools quite separate from economics, and of my growing interest in the field and in Wall Street. A cornerstone of standard financial theory is the efficient markets hypothesis, but that has been discredited by the financial crisis of 2007-09. This lecture describes the kinds of questions standard financial theory nevertheless answers well. It also introduces the leverage cycle as a critique of standard financial theory and as an explanation of the crisis. The lecture ends with a class experiment illustrating a situation in which the efficient markets hypothesis works surprisingly well. 00:00 – Chapter 1. Course Introduction 10:16 – Chapter 2. Collateral in the Standard Theory 17:54 – Chapter 3. Leverage in Housing Prices 33:47 – Chapter 4. Examples of Finance 46:13 – Chapter 5. Why Study Finance? 50:13 – Chapter 6. Logistics 58:22 – Chapter 7. A Experiment of the Financial Market Complete course materials are available at the Open Yale Courses website: open.yale.edu This course was recorded in Fall 2009.
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