Investment Basics

Investment Basics




What is Investment?

The money you earn is partly spent and the rest saved for meeting future

expenses. Instead of keeping the savings idle you may like to use savings in

order to get return on it in the future. This is called Investment.

Why should one invest?

One needs to invest to:

-earn return on your idle resources

-generate a specified sum of money for a specific goal in life

-make a provision for an uncertain future



One of the important reasons why one needs to invest wisely is to meet the

cost of Inflation. Inflation is the rate at which the cost of living increases.

The cost of living is simply what it costs to buy the goods and services you

need to live. Inflation causes money to lose value because it will not buy the

same amount of a good or a service in the future as it does now or did in the

past. For example, if there was a 6% inflation rate for the next 20 years, a

Rs. 100 purchase today would cost Rs. 321 in 20 years. This is why it is

important to consider inflation as a factor in any long-term investment

strategy. Remember to look at an investment's 'real' rate of return, which is

the return after inflation. The aim of investments should be to provide a

return above the inflation rate to ensure that the investment does not

decrease in value. For example, if the annual inflation rate is 6%, then the

investment will need to earn more than 6% to ensure it increases in value.

If the after-tax return on your investment is less than the inflation rate, then

your assets have actually decreased in value; that is, they won't buy as

much today as they did last year.

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The Power of Business Process Improvement: 10 Simple Steps to Increase *2010*

Susan Page, "The Power of Business Process Improvement: 10 Simple Steps to Increase Effectiveness, Efficiency, and Adaptability"

AMACOM
2010
ISBN: 0814414788
338 pages
PDF
1,8 MB



Every business process in every organization can be made better, more efficient, more flexible and more adaptable to changing needs. Business process improvement (BPI) can drive substantial bottom-line increases, ultimately accelerating the revenue cycle. "The Power of Business-Process Improvement" proves that even sweeping BPI initiatives don't have to be complex, time-consuming projects. This incredibly practical book cuts through lengthy, technical explanations with a 10-step method designed for busy professionals with real-world problems. Starting with simple tools to help the reader develop a process inventory, the book shows how to prioritize and map processes, apply improvement techniques, test new processes and rework them as necessary and implement the changes.

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Using Earned Value: A Project Manager's Guide

Gower Publishing Company /2003-10 /ISBN: 056608533X /100 pages /PDF /2 MB

The concept of "earned value" as a project management tool has been around since the 1960s; although recognized as an important technique and widely used on US Government contracts, it failed to excite much interest in the wider world because of its specifically American requirements and the cumbersome, prescriptive bureaucracy that seemed to accompany it. However, with the advent of suitable software and the possibility of being used in a much more flexible way, there has been a growth in interest among project managers. Crucially it has been recognized that this technique can be helpful in a wide variety of projects of almost any size, not just government projects costing billions of pounds. In essence, earned value allows the project manager a more precise view of actual project performance in terms of both value generated and schedule progress than is possible with any other approach. Alan Webb's concise guide provides practising project managers with everything they need to: assess the appropriateness and benefits of the earned value process for both their project(s) and their organization; appreciate, understand and learn the techniques involved; identify how to apply the data to manage projects with flexibility, pragmatism and rigour; understand the different features and benefits of the various software packages available; and plan for the introduction of an earned value methodology, anticipating both the systems and people problems they may face. The book uses worked examples, cases and anecdotes from the author's own extensive experience to bring this technical subject to life. Alan's writing style is direct and economical, which means that whether you are dipping into chapters for reference or reading about the process from cover to cover, everything should be pertinent and helpful.


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Brain Exercise with Dr Kawashima 2010

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Talent Management, April 2010

Talent Management, April 2010/ PDF / 55 pages / English  / 6.42 MB

Talent Management Magazine is directed to top-level management, senior human resources, workforce and organizational development executives whose task is to optimize the abilities of their human assets to drive and improve the execution of enterprise strategy.


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Enterprise Risk Management

John Fraser, Betty Simkins, "Enterprise Risk Management"

Wiley
2010
ISBN: 0470499087
600 pages
PDF
3,7 MB



Essential insights on the various aspects of enterprise risk management

If you want to understand enterprise risk management from some of the leading academics and practitioners of this exciting new methodology, Enterprise Risk Management is the book for you. Through in-depth insights into what practitioners of this evolving business practice are actually doing as well as anticipating what needs to be taught on the topic, John Fraser and Betty Simkins have sought out the leading experts in this field to clearly explain what enterprise risk management is and how you can teach, learn, and implement these leading practices within the context of your business activities. In this book, the authors take a broad view of ERM, or what is called a holistic approach to ERM.
Enterprise Risk Management introduces you to the wide range of concepts and techniques for managing risk in a holistic way that correctly identifies risks and prioritizes the appropriate responses. This invaluable guide offers a broad overview of the different types of techniques: the role of the board, risk tolerances, risk profiles, risk workshops, and allocation of resources, while focusing on the principles that determine business success. This comprehensive resource also provides a thorough introduction to enterprise risk management as it relates to credit, market, and operational risk, as well as the evolving requirements of the rating agencies and their importance to the overall risk management in a corporate setting. Filled with helpful tables and charts, Enterprise Risk Management offers a wealth of knowledge on the drivers, the techniques, the benefits, as well as the pitfalls to avoid, in successfully implementing enterprise risk management.

Discusses the history of risk management and more recently developed enterprise risk management practices and how you can prudently implement these techniques within the context of your underlying business activities

Provides coverage of topics such as the role of the chief risk officer, the use of anonymous voting technology, and risk indicators and their role in risk management

Explores the culture and practices of enterprise risk management without getting bogged down by the mathematics surrounding the more conventional approaches to financial risk management

This informative guide will help you unlock the incredible potential of enterprise risk management, which has been described as a proxy for good management.


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