Are You Invested Like The Pros Or The Joes?

Are You Invested Like The Pros Or The Joes?

Without a blueprint – you can’t create a house! Without a focal investment strategy most investors (and their financial advisors) make psychological, illogical, and frequently irrational investment decisions to their own financial detriment. In 1990 Harry M. Markowitz, a professor at Baruch College of the populous city School of New York, received a Nobel Prize in Economic Sciences.

His lifelong studies in the fields of investment risk, investment return, security relationship, and portfolio diversification will be the basis of what we realize today as “Modern Portfolio Theory”, or “MPT”. Modern Portfolio Theory is well-known in the investment community as a logical basis for sound portfolio management concepts. Modern Portfolio Theory should provide as a foundation for your investment planning “blueprint” as well. The crux of Modern Portfolio Theory (MPT) is the partnership between investment risk, return, and relationship.

Those factors are charted on what’s called the “efficient frontier” graph. The effective frontier graph illustrates securities expected coming back and the chance associated with achieving that expected investment return. On the left of the efficient frontier graph (the Y-axis) is the expected investment return plotted vertically. The horizontal footing (the X axis) is a dimension of the security’s expected risk (as illustrated by its standard deviation). The efficient frontier is a carefully upwards sloping arch stretching out, starting in the lower left corner and fading into the upper right part. That lightly sloping line signifies portfolio opportunities providing the utmost long-term expectation of profile return, with the least risk (volatility or … Read the rest

Glambot Lets You Buy Used Makeup, Like These 3 Other Bargain Beauty Websites

Glambot Lets You Buy Used Makeup, Like These 3 Other Bargain Beauty Websites

You probably buy used clothing without a second thought, but could you do the same with your makeup? Website Glambot let’s you get and sell used makeup, from the tone of lipstick that wasn’t quite to the concealer it doesn’t match your skin tone. Contemplate it the land of misfit makeup, a place where you can go to get makeup products for less, or sell your own and make a little cash on the comparative part. Although it may seem like a great idea, people have mixed feelings about the idea of used beauty products. According to Glambot, the site boasts a selection of rare, limited model, and discontinued items.

Glambot gives you a chance to revamp your complete makeup collection for less. Turning your makeup graveyard into a money pit seems great, but is it sanitary really? Still, some people are a little skeptical. Refinery 29 spoke to dermatologist Howard Sobel and found that it may not be as easy to sterilize makeup as Glambot makes it sound.

Sobel told the website. Some doctors, on the other hands, say that it’s okay to talk about makeup, with or without sanitizing, unless the person you’re borrowing from comes with an obvious infections such as cold sores or pink eye, which are easy to transmit. Dr. Neal Shultz thinks that it’s alright to wear your friend’s makeup, because the chemical preservatives in the merchandise is there to help fight bacteria.

Glambot isn’t the only site for buying and selling used makeup. … Read the rest