Bonus for new members:
Five $500 bonuses per five days for five new members who register and invest on the same five days.
Bonus for fresh consultants:
$100 for members who refer 3 new investors in November 2007 on condition that each of those new members refers at least 2 new investors in November 2007.
$200 for members who refer 4 new investors in November 2007 on condition that each of those new members refers at least 2 new investors in November 2007.
$300 for members who refer 5 new investors in November 2007 on condition that each of those new members refers at least 2 new investors in November 2007.
Bonus for leaders:
One unit of “Witwatersrand project” bonds will be offered to members who attain at least 30 PLB balances in November 2007.
Sunday, November 4, 2007
about palinure investment group
This is a weblog for everyone who want's to know about online investment and one of the best companies that works in this field on the internet
I will try to show you anything about our company (palinure)
Welcome Message
I am proud to announce the new session of Palinure activity. Palinure financial board members with valuable experiences on financial activities acquired in close cooperation with American private companies and organizations are at the beginning of the way of internationalization of Palinure. I am pleased of having you as our customers, accompanying us at the beginning of this great way.I am glad to say that our new virtual and financial products and services are coming soon. We are proud of being chosen by our expert partners who are our supporters too. I am sure that we stride forward new and important paces in the near future and satisfy all of our partners and customers accompany us.
Palinure is for us all.David GardnerChairman of Palinure
Wellcome Message
We are proud to announce the initiation of Palinure. We are committed to do our best to provide you with the best services. We accompanied by you are at the beginning of a great way which leads us to our common purposes, so we need your cooperation and confidence. Our primary customers are from twelve countries named Australia, France, Iran, Iraq, Italy, Lebanon, Poland, Qatar, Syria, UAE, UK and USA, which we expect to spread widely in other parts of the worldThe future is filled with promise for us all.
About company
Palinure is organized by some expert colleagues with long term experience in various financial fieldsPalinure concentrates on:1- Blue Chip Stocks2- Barter Markets3- ETFs (Exchange-Traded Funds)4- Online Brokerage5- Precious Metal Market6- FOREX Market7- Mutual funds
Our Vision Statement
To be an investment company based on transparent business practices and excellent customer service with a personal touch which allows the opportunity for all who invest to know that their investment is well looked after. To build strong relationships with our investors and fellow entrepreneurs in order to bring about the best possible service and potential gains.
Their Mission Statement
We attract like-minded individuals who want an alternative place to invest their money, with the potential to make excellent profits. We offer outstanding standards of customer care and respect with a view to achieving the best possible results for our clients.We at the Palinure are committed to maximizing benefits and opportunities accruing to our customers by providing creative, innovative and competitive products and services while capitalizing on our relationships with our local, regional and international affiliates.We operate the company in a way that actively recognizes the central role that business plays in society by initiating innovative ways to improve the quality of life locally, nationally and internationally. Everything we do, in both the running of our business and in our personal conduct, is guided first and foremost by honesty, integrity and respect for human dignity. We exist for our clients; we enjoy serving them and aim to delight them with our products and the quality of our service.All of our investments are founded on economic merit, ensuring broad access to investment finance and added-value services for all communities and optimal effectiveness for our customers. It is our aim to be frugal in all aspects of expenditure in our business so that we ensure long-term sustainability and deliver optimal value for our customers.We passionately create enthusiastic customers and build a better future! We create success for our customers by identifying their needs and providing the best services for them.We foster a team climate in which every member is valued and able to grow. We develop win-win relationships with our partners and customers. We aim to achieve significant and sustainable profitable growth, thus securing our customers’ financial freedom.The foundation of our culture is integrity, courage, teamwork and commitment. We share a common purpose. We take self-responsibility for the development of the business, our team and ourselves. We encourage, coach and support each other to achieve outstanding results. We expect high performance and we offer high incentives. We recruit and develop our people based on their competencies, accomplishments and potential. We give them the chance to grow with us as part of a team and to develop a long-term career within the Palinure. We accomplish our purpose through our Champion 3C Strategy. Customer: We want to be our customers’ best partner. Competency: We are committed to excellence in innovation and win-win relationships. Concentration: We focus on investment opportunities, virtual products and markets where we can achieve and sustain leadership positions.Insight into the PalinureWe realize that in the hectic world in which we live, people do not necessarily have the time or energy to spend looking at the alternative ways of investing their money. Our aim is to take the effort out of searching for investment opportunities, whilst still achieving a good return on your investment.We are a company that lets people choose their level of involvement with property, without the need for being hands-on. In promoting financial awareness, our goal is to help our customers in their quest to become wealthy and financially free."We adopt the people helping each other philosophy wherever we do business"
The future is filled with promise for us all
Blue chip stocks
A "blue chip" is the nickname for a high-quality stock that is thought to be safe, in excellent financial shape and firmly entrenched as a leader in its field. These kinds of stocks have been called "blue chips" for decades. the phrase blue chip comes from poker where the highest and most valuable playing chip is blue. It is an interesting reference in that the game of poker and the stock market both involve some elements of skill, luck and risk. Blue chips belong to companies renowned for the quality and wide acceptance of their products and services, and for their ability to make money and pay dividends in both good and bad years. Blue chips generally pay dividends and are favorably regarded by investors especially by investors with a conservative risk tolerance.A few examples of blue chips are Wal-Mart, Coca-Cola, Gillette, Berkshire Hathaway and Exxon-Mobile. Blue chip stocks are sometimes referred to as bellwether issues. Despite their reputation as boring, stogy and perhaps even a little outdated, blue chip stocks have long reigned supreme in the portfolio of retirees, non-profit foundations and conservative individuals. These companies often reside at the core of American business and boast pasts as colorful as any novel. Yet the prosaic-ness attributed to them is certainly not deserved; there is nothing more exciting than making a profit and that is certainly what blue chips are all about. Information about blue chip stocks is usually found on the Dow Jones Industrial Index.
EXCHANGE-TRADED FUNDS
Exchange-traded funds (ETFs) are like index mutual funds that behave like stocks. They trade all day on recognized stock exchanges such as the American Stock Exchange, and some trade during extended hours. These funds are not actively managed; they are like index funds that are passive. They replicate an index, such as the S&P 500 index or a growth stock index, without trying to outperform that index.The trustee updates the holdings every few seconds to keep the net asset value of the ETF in line with the market. This is a lot of updating, so you obtain better tracking results with a smaller index like the Nasdaq-100 than you do with a large one such as the ONEQ that tracks every Nasdaq stock. As with any trust, there is a custodian who holds the securities that the trustee buys. There is a lot of free education about ETFs on the Internet now that the public has joined hedge funds in trading these instruments. Nuveen Investments has a web site, ETFConnect, at www.etfconnect.com; and, as usual, Yahoo.com has extensive information on this popular new trading vehicle.Exchange-traded funds are important to us for two reasons. First, they provide a way for our model portfolio to invest in two potentially lucrative assets: the Nasdaq Composite index and gold bullion. There is no Nasdaq index fund and there is no convenient way to trade gold. Exchange-traded funds are the only way to put these two investments into a real portfolio. Second, they expand our options for sector investing. Both functions are equally important to our model portfolio. Before we examine the details of ETFs, however, let us inject a little Wall Street wit. Nicknames for some of the first ETFs reflect this industry’s penchant for dry humor. The first ETF appeared in 1993 with the objective of replicating the total return of the S&P 500 index. The name of the trust is Standard & Poor’s Depositary Receipts (SPDR). Its stock symbol is SPY, and it quickly earned the nickname “spider.” Newspaper advertisements for this fund, or trust, featured a spider building a web of financial security. It is the same with the first ETF for the Dow Jones Industrial Average. The symbol is DIA; the nickname is “diamonds,” and the advertisements include gemstones. Vanguard, which started the indexing trend with their family of mutual funds, created a group of ETFs called Vanguard Index Participation Equity Receipts (VIPERs). The Nasdaq-100 ETF has the symbol QQQQ and the nickname “cubes.” Wall Street loves nicknames.EQUITY ETFSStandard & Poor’s Depositary Receipts offer a convenient way to implement the trading decisions generated by our model portfolio. Each SPDR owns all 500 of the stocks in the S&P 500 index in their market capitalization weight. We can trade the SPDR all day and into extended hours; we can buy and sell options on it; and we can leverage it in the futures market. There is a price for all this flexibility; your broker will still charge a commission when you buy any ETF. If you are charged about $30 and you are investing less than $30,000, you are better off in an index fund directly from Vanguard. Larger investments, obviously, benefit from economies of scale in trading commissions.Vanguard does not, however, offer a mutual fund that replicates the 3,000 stocks in the Nasdaq Composite index. This index is one of the investments that gave us outstanding returns in our model portfolio, but until 2003 there was no way to buy that index. The only way to capture all of the Nasdaq stocks in one trade is to buy the Fidelity Nasdaq index fund called the ONEQ. Its management fee of about one-half of 1 percent causes it to underperform its benchmark a little, but we finally have a way to invest in the Nasdaq Composite index.Other equity ETFs track a myriad of sector indexes that help us with our sector rotation investing and our selection of individual stocks.Index ETFs are true index funds as opposed to the sector mutual funds. Those sector funds may hold only 80 percent of their assets in their sector, but ETF’s have as much money as possible invested as a mirror image of their index. Because exchange-traded funds are truly passive, many of them have lower fees and better tracking results than traditional sector mutual funds.The new exchange-traded funds offer hundreds of ways to track indexes in all of our asset classes. They also include the four styles: large and small capitalization and value or growth stocks. Then, of course, there are ETFs offering indexes of blended styles.FIXED-INCOME ETFSFixed-income ETFs fall into two categories: international and domestic. Barclays Bank is the trustee for a family of foreign fixed-income ETFs that allows investors to choose among several points along the yield curve. Like a traditional bond mutual fund, an ETF will never mature; so investors are just choosing whether they want short-, intermediate-, or long-term investments. In effect, they are buying perpetual bonds of a particular duration. Goldman Sachs acts as trustee for an ETF that mirrors its corporate bond index, and Lehman Brothers is the trustee for several U.S. government security funds. These funds may be one of an investor’s better opportunities to get institutional prices for bonds.REAL ESTATE ETFSThe fund selector on Yahoo.com identified four real estate investment trust ETFs. Each one tracks an index for different parts of the domestic REIT market. The oldest one is the iShares Dow Jones U.S. Real Estate ETF that came out in 2000 when the yield curve inverted. The fund went from $55 per share at inception to $123 per share four and a half years later and earned an average annual return of 20 percent. As you know, the stock market lost 20 percent during those four years. Whoever made that new product decision at Dow Jones probably uses the same yield curve analysis that you and I do.GOLD BULLION ETFSGold ETFs are one of the few ways that people can invest in gold bullion near a price that is usually available only on an exchange. These ETFs buy gold bullion and store it in a vault. This is very different from gold mutual funds that own shares in mining companies but do not own the gold itself.The two investments behave quite differently during a crisis. Mining companies trade like any other stock when investors panic and sell equities indiscriminately. At a time like this, gold stocks decline along with all the others. The physical commodity of gold, however, often provides a safe haven during uncertain times and makes money when stocks crash.The first gold bullion ETF appeared in November 2004 and attracted a phenomenal $1.3 billion in assets during the first two months. This gold ETF, StreetTracks Gold Shares, uses the symbol GLD. Unlike most ETFs, it trades on the New York rather than the American Stock Exchange.Yahoo.com shows two performance numbers for each ETF: that of the ETF itself and that of the index it replicates. Investors can see how well their fund is doing its job of tracking its benchmark, and StreetTracks Gold Shares appears to lag the performance of gold by about one-half of 1 percent. This discrepancy is probably due to the cost of storing the gold. Owning an ETF may be the cheapest way to buy and store gold because economies of scale allow the trust to buy gold near the price on a major exchange, such as the COMEX in New York, and spread the storage costs among so many investors.Now that we have investment vehicles that represent gold on the COMEX and the Nasdaq Composite index, we can use them in our model portfolio instead of cash and the S&P 500 index. For the sake of simplicity, however, we will use our usual trade dates rather than buying gold when the 10-year, three-month yield spread exceeds 10 percent. We will start after 1973 when the price of gold was allowed to fluctuate (see Table 1).All of our returns look better with our new starting date; even the S&P 500 index improves a couple of percentage points compared to previous graphs. The more aggressive equity investment, the Nasdaq index, provides one-third more return even without active management; including dividends on the larger index would have closed this gap a little. As Figure 1 shows, trading two aggressive instruments, Nasdaq and gold, more than doubled the return of the unmanaged S&P 500 index.The dollar amounts of the three portfolios are vastly different because of the impact of annual compounding at different rates (see Figure 2). The returns might have been even stronger if we had used foreign currencies.FOREIGN CURRENCY ETFSForeign currency ETFs are similar to international equity index funds except that they may own stocks in a global index. There are many global indexes, and the term includes the United States. If your objective is to own nothing but foreign currencies, make sure that your ETF does not include U.S. investments. The web site ETFConnect is one of the few that allow you to search their databases by investment objective, and a search for global investments found 37 funds matching that description.The difficulty with mutual funds and ETFs is that convenient products like these usually become available a little late in the investment cycle. Cutting-edge investors often have to do their own homework and invest directly in stocks in order to get in at the beginning of each new cycle.Investing directly in stocks provides the opportunity for greater returns than investing in an index fund. Of course, the risks are greater as well, but our market timing model should allow you to focus on the right sector. Once you become familiar with the business and the companies in a sector, you are in a good position to buy a strong security. Sector investing provides the background you need as well as a list of companies from which to select your investment.SUMMARYThere is a wide variety of new funds that provide inexpensive diversification with a minimum of homework. Exchange-traded funds add to our flexibility for trading throughout the day, and some of them take advantage of extended trading hours. Many of them have lower fees than sector mutual funds that may impose a sales charge or marketing expense. Unlike mutual funds, however, ETFs incur a brokerage fee as if they were a stock.These funds are important to us because they complete the tools we need to implement our model portfolio. Up to now we have been able to invest in all asset classes except for gold bullion and most equities except for the Nasdaq Composite. Two of these new funds fill those gaps. One fund, StreetTracks Gold Shares with the symbol GLD, gives us a chance to own gold bullion near the price it trades on the COMEX division of the New York Mercantile Exchange. Another ETF, the ONEQ, allows us to own all 3,000 stocks in the Nasdaq.The rest of the exchange-traded funds offer hundreds of ways to invest in industry sectors and styles with low portfolio management fees. They open a window on a segment of the business world and supply us with a list of companies to study in depth. Once we have mastered an industry, we are ready to choose one of the stocks on this list to buy.J. Weir
Barter Markets
The act of trading goods and services between two or more parties without the use of money. Bartering benefits companies and countries that see a mutual benefit in exchanging goods and services rather than cash, and it also enables those who are lacking "hard currency" to obtain goods and services. An example of a barter arrangement would be if someone built a fence for a cattle farmer in exchange for food. Rather than the farmer paying the builder, say, $1,000 for the fence, he would give the builder a similar value in beef.
Blue Chip Stocks
A "blue chip" is the nickname for a high-quality stock that is thought to be safe, in excellent financial shape and firmly entrenched as a leader in its field. These kinds of stocks have been called "blue chips" for decades. the phrase blue chip comes from poker where the highest and most valuable playing chip is blue. It is an interesting reference in that the game of poker and the stock market both involve some elements of skill, luck and risk. Blue chips belong to companies renowned for the quality and wide acceptance of their products and services, and for their ability to make money and pay dividends in both good and bad years. Blue chips generally pay dividends and are favorably regarded by investors especially by investors with a conservative risk tolerance.A few examples of blue chips are Wal-Mart, Coca-Cola, Gillette, Berkshire Hathaway and Exxon-Mobile. Blue chip stocks are sometimes referred to as bellwether issues. Despite their reputation as boring, stogy and perhaps even a little outdated, blue chip stocks have long reigned supreme in the portfolio of retirees, non-profit foundations and conservative individuals. These companies often reside at the core of American business and boast pasts as colorful as any novel. Yet the prosaic-ness attributed to them is certainly not deserved; there is nothing more exciting than making a profit and that is certainly what blue chips are all about. Information about blue chip stocks is usually found on the Dow Jones Industrial Index.
How to Set and Achieve SMART Goals
A common acronym in goal setting is the so called SMART goals, but what does it really mean and what is so smart about them? The SMART acronym is used to describe what experts consider to be "good" goal statements because they contain most of the essential ingredients. The SMART acronym itself has several different variations depending on who you ask. However, I think it is useful to look at all of them because it provides a well-rounded goal statement.S Specific & SignificantM Measurable, Motivational, Methodical & MeaningfulA Action-oriented & AchievableR Realistic & RelevantT Time-bound & Tangible
Writing SMART Goals
Let's take a closer look at each of these properties.Specific - Your SMART goal statement should be a clear and specific statement of what you want. The main reason is that your brain behaves like goal-seeking mechanism, similar to a precision guided missile. As these missiles fly, they continually make small adjustments and corrections to their trajectories to realign themselves to their target.Your brain also works in a similar way. Dr. Maxwell Maltz, author of the classic Psycho-Cybernetics, said that human beings have a built-in goal seeking "success mechanism" that is part of the subconscious mind.This success mechanism is constantly searching for ways to help us reach our targets and find answers to our problems. According to Maltz, we work and feel better when our success mechanism is fully engaged going after clear targets.All we have to do to use this mechanism is to give it a specific target. Without one, our success mechanism lies dormant, or worse, pursues targets we didn't consciously choose.When your target is vague or ambiguous, your success mechanism can become confused and either shut down or go after the wrong target.Significant - Significant goals are the ones that will make a positive difference in your life. If a goal is not significant, why are you even contemplating it? Is it really your goal?Measurable - There is an old saying that says "what gets measured gets done."Making your goal measurable helps you see your progress, recognize if you are moving in the right direction, and see how far you still need to go.Some types of goals, like saving a certain amount of money each month, or reading 100 pages per week, are very easy to measure, while other goals aren't really measurable directly.For example, if your goal is to improve your relationship with your significant other, how do you measure it?One option is to use some sort of rating. For example, you could say that your relationship is a 6 and your goal is to make it an 8.The problem is that these types of ratings are very subjective, can change from day to day, and don't really give you very good feedback.A better option is to focus your goal on specific actions you can take that will help you achieve your overall objective.For example, if you want to improve your relationship, your goal might be to practice the "4 small steps to a better relationship" every day. This is something that you can easily measure.Even though measurable goals are very important, I think it is equally important to remember your original objective. Otherwise, it is easy to lose yourself in your goals and forget the reason you set them in the first place.Motivational - Goals need to be motivational. They need to inspire you to take action and make progress. One of the best ways to make goals motivational is to ask yourself why you want to achieve it.Methodical - Methodical means that you need to think about a strategy for how you are going to accomplish your goal. You don't need to know all the details at first, just start with a general plan.Meaningful - Your goals should be meaningful to you. This just ensures that they are really your goals, rather than your parent's goals, or society's goals.Action-Oriented - This means your goal should focus on actions you can take that are in your direct control. It's OK to have goals whose outcome you can't directly control, as long as you are clear about the actions you need to take to do your part in the process.Achievable - This means that the goal should be achievable. It doesn't mean easy, just that you can have a reasonable expectation of achieving it.For short-term targets, your probability of achieving the goal should be 80% of higher. Longer term targets could be more of a stretch and have less probability of success.For your 5-10 year vision, you can go for something really big, even if you currently have no idea how to accomplish it.Realistic - Realistic is another word for achievable. Again, this doesn't mean that the goal needs to be easy.Realistic also means that the actions associated with your goal are things that you can do. For example, if your goal requires you to spend 3 hours at the gym each day, that may not be a very realistic assumption given your present situation and lifestyle.Relevant - Good goals are relevant to you and to your life. Relevant goals are meaningful and significant; they can make a difference in your life.If a goal is not relevant to you, then you need to ask yourself why you are even contemplating it.Time-Bound - For goals that have a natural ending (like outcome goals), establishing a clear deadline for them adds an element of urgency and motivation.Trackable - All goals should be trackable so you can see what your progress is, either in terms of results you are experiencing, or actions you are taking.Tracking your goals helps you determine if you are going in the right direction and make any necessary adjustments along the way.The best SMART goals are focused, specific, short-term targets that involve things that are under your direct control. This is what makes goals such powerful achievement tools, but it is also what can limit them.If you only use SMART goals, you run the risk of losing sight of the big picture, the reasons why you are setting goals in the first place.As Stephen Covey aptly points out, SMART goals can help you climb the ladder of success step-by-step, only to find that it is leaning against the wrong wall!That's why you also need longer-term dreams/goals that may not be SMART, but that give you overall direction, motivation, and guidance.It's when you combine these two types of goals that you can really make tremendous progress.
Company`s profit plans :
1)Deposition plan:
a)short-time (6 months) : 7% monthly benefit. at the end of the period(6 months), owners can withdraw principal of their capitals.
b)middle-time (12 months) : 10% monthly benefit. at the end of the period (12 months), owners can withdraw principal of their capitals.
c)long-time (24 months): 15% monthly benefit. at the the end of the period (24 months), owners can withdrawprincipal of their capital.The least amount of depositing should be 1000 USD and one can increase it by coefficient of 100 USD.
2)Direct introduction commission:
15% of amount deposited by the people you introduce to the company will be paid to you.(PLD)
3) Binary plan:
for each 5000-5000 USD balance (direct or indirect introduction) you`ll be 500 USD paid.(PLB)
It means as you register your name in company`s plan, you`ll be given a site( position) which has a left and a right side( hand).when depositing amount of your both hands reaches to 5000 USD,company will pay you 500 USD. It should be mentioned that in balances higher than 100000 USD, for each 10000-10000 balace you will be paid 500 USD.
Of great importance is that you can withdraw your depositing money after the period is over (according to the type of plan) it means you can choose one of the plans according to and the time you don`t need the money you are depositing while this virtually doesn`t exsist in the plans of any other companies.
We`ll try to provide you more information in the next few days.
Palinure financial group is one of the best comapnies that works on the internet for"online investment"and received small or big capital from all of the worldand pay interests to them in three plans.All of their activities are legal and they incorporate in the onshore area.
Invest Start way
According to the company’s low, you can not invest directly. First you must have been introduced by one of the company investors. I could introduce you for company.
The way of paying money to the company
The currency of the company is epoint (1 epoint = 1 USD).
Epoint means electronic point or electronic money. You should provide epoint according to investment amount of money.
The way of providing epoint
In the start your epoint's have provided with your introducing one. After that you can provide epoint directly. For this you should pay money to the company's account and the company send epoint to your account in your home page in company's website. Or provide by me too.
Note: the yearly subscription fee is 50 usd.
Interest payment way
Your interest and commissions have paid with epoint in your account in your own home page. You can change epoint in two way
you can use in new invest by yourself or other one.
you can introduce your own bank account information via your hame page for the company and company pay usd in your own account.
Company’s website: www.palinureinterest.com
Company Address: 4689, 27 South Sebring, Florida, 33870, USA
if you want to investment, contact with me.
I will try to show you anything about our company (palinure)
Welcome Message
I am proud to announce the new session of Palinure activity. Palinure financial board members with valuable experiences on financial activities acquired in close cooperation with American private companies and organizations are at the beginning of the way of internationalization of Palinure. I am pleased of having you as our customers, accompanying us at the beginning of this great way.I am glad to say that our new virtual and financial products and services are coming soon. We are proud of being chosen by our expert partners who are our supporters too. I am sure that we stride forward new and important paces in the near future and satisfy all of our partners and customers accompany us.
Palinure is for us all.David GardnerChairman of Palinure
Wellcome Message
We are proud to announce the initiation of Palinure. We are committed to do our best to provide you with the best services. We accompanied by you are at the beginning of a great way which leads us to our common purposes, so we need your cooperation and confidence. Our primary customers are from twelve countries named Australia, France, Iran, Iraq, Italy, Lebanon, Poland, Qatar, Syria, UAE, UK and USA, which we expect to spread widely in other parts of the worldThe future is filled with promise for us all.
About company
Palinure is organized by some expert colleagues with long term experience in various financial fieldsPalinure concentrates on:1- Blue Chip Stocks2- Barter Markets3- ETFs (Exchange-Traded Funds)4- Online Brokerage5- Precious Metal Market6- FOREX Market7- Mutual funds
Our Vision Statement
To be an investment company based on transparent business practices and excellent customer service with a personal touch which allows the opportunity for all who invest to know that their investment is well looked after. To build strong relationships with our investors and fellow entrepreneurs in order to bring about the best possible service and potential gains.
Their Mission Statement
We attract like-minded individuals who want an alternative place to invest their money, with the potential to make excellent profits. We offer outstanding standards of customer care and respect with a view to achieving the best possible results for our clients.We at the Palinure are committed to maximizing benefits and opportunities accruing to our customers by providing creative, innovative and competitive products and services while capitalizing on our relationships with our local, regional and international affiliates.We operate the company in a way that actively recognizes the central role that business plays in society by initiating innovative ways to improve the quality of life locally, nationally and internationally. Everything we do, in both the running of our business and in our personal conduct, is guided first and foremost by honesty, integrity and respect for human dignity. We exist for our clients; we enjoy serving them and aim to delight them with our products and the quality of our service.All of our investments are founded on economic merit, ensuring broad access to investment finance and added-value services for all communities and optimal effectiveness for our customers. It is our aim to be frugal in all aspects of expenditure in our business so that we ensure long-term sustainability and deliver optimal value for our customers.We passionately create enthusiastic customers and build a better future! We create success for our customers by identifying their needs and providing the best services for them.We foster a team climate in which every member is valued and able to grow. We develop win-win relationships with our partners and customers. We aim to achieve significant and sustainable profitable growth, thus securing our customers’ financial freedom.The foundation of our culture is integrity, courage, teamwork and commitment. We share a common purpose. We take self-responsibility for the development of the business, our team and ourselves. We encourage, coach and support each other to achieve outstanding results. We expect high performance and we offer high incentives. We recruit and develop our people based on their competencies, accomplishments and potential. We give them the chance to grow with us as part of a team and to develop a long-term career within the Palinure. We accomplish our purpose through our Champion 3C Strategy. Customer: We want to be our customers’ best partner. Competency: We are committed to excellence in innovation and win-win relationships. Concentration: We focus on investment opportunities, virtual products and markets where we can achieve and sustain leadership positions.Insight into the PalinureWe realize that in the hectic world in which we live, people do not necessarily have the time or energy to spend looking at the alternative ways of investing their money. Our aim is to take the effort out of searching for investment opportunities, whilst still achieving a good return on your investment.We are a company that lets people choose their level of involvement with property, without the need for being hands-on. In promoting financial awareness, our goal is to help our customers in their quest to become wealthy and financially free."We adopt the people helping each other philosophy wherever we do business"
The future is filled with promise for us all
Blue chip stocks
A "blue chip" is the nickname for a high-quality stock that is thought to be safe, in excellent financial shape and firmly entrenched as a leader in its field. These kinds of stocks have been called "blue chips" for decades. the phrase blue chip comes from poker where the highest and most valuable playing chip is blue. It is an interesting reference in that the game of poker and the stock market both involve some elements of skill, luck and risk. Blue chips belong to companies renowned for the quality and wide acceptance of their products and services, and for their ability to make money and pay dividends in both good and bad years. Blue chips generally pay dividends and are favorably regarded by investors especially by investors with a conservative risk tolerance.A few examples of blue chips are Wal-Mart, Coca-Cola, Gillette, Berkshire Hathaway and Exxon-Mobile. Blue chip stocks are sometimes referred to as bellwether issues. Despite their reputation as boring, stogy and perhaps even a little outdated, blue chip stocks have long reigned supreme in the portfolio of retirees, non-profit foundations and conservative individuals. These companies often reside at the core of American business and boast pasts as colorful as any novel. Yet the prosaic-ness attributed to them is certainly not deserved; there is nothing more exciting than making a profit and that is certainly what blue chips are all about. Information about blue chip stocks is usually found on the Dow Jones Industrial Index.
EXCHANGE-TRADED FUNDS
Exchange-traded funds (ETFs) are like index mutual funds that behave like stocks. They trade all day on recognized stock exchanges such as the American Stock Exchange, and some trade during extended hours. These funds are not actively managed; they are like index funds that are passive. They replicate an index, such as the S&P 500 index or a growth stock index, without trying to outperform that index.The trustee updates the holdings every few seconds to keep the net asset value of the ETF in line with the market. This is a lot of updating, so you obtain better tracking results with a smaller index like the Nasdaq-100 than you do with a large one such as the ONEQ that tracks every Nasdaq stock. As with any trust, there is a custodian who holds the securities that the trustee buys. There is a lot of free education about ETFs on the Internet now that the public has joined hedge funds in trading these instruments. Nuveen Investments has a web site, ETFConnect, at www.etfconnect.com; and, as usual, Yahoo.com has extensive information on this popular new trading vehicle.Exchange-traded funds are important to us for two reasons. First, they provide a way for our model portfolio to invest in two potentially lucrative assets: the Nasdaq Composite index and gold bullion. There is no Nasdaq index fund and there is no convenient way to trade gold. Exchange-traded funds are the only way to put these two investments into a real portfolio. Second, they expand our options for sector investing. Both functions are equally important to our model portfolio. Before we examine the details of ETFs, however, let us inject a little Wall Street wit. Nicknames for some of the first ETFs reflect this industry’s penchant for dry humor. The first ETF appeared in 1993 with the objective of replicating the total return of the S&P 500 index. The name of the trust is Standard & Poor’s Depositary Receipts (SPDR). Its stock symbol is SPY, and it quickly earned the nickname “spider.” Newspaper advertisements for this fund, or trust, featured a spider building a web of financial security. It is the same with the first ETF for the Dow Jones Industrial Average. The symbol is DIA; the nickname is “diamonds,” and the advertisements include gemstones. Vanguard, which started the indexing trend with their family of mutual funds, created a group of ETFs called Vanguard Index Participation Equity Receipts (VIPERs). The Nasdaq-100 ETF has the symbol QQQQ and the nickname “cubes.” Wall Street loves nicknames.EQUITY ETFSStandard & Poor’s Depositary Receipts offer a convenient way to implement the trading decisions generated by our model portfolio. Each SPDR owns all 500 of the stocks in the S&P 500 index in their market capitalization weight. We can trade the SPDR all day and into extended hours; we can buy and sell options on it; and we can leverage it in the futures market. There is a price for all this flexibility; your broker will still charge a commission when you buy any ETF. If you are charged about $30 and you are investing less than $30,000, you are better off in an index fund directly from Vanguard. Larger investments, obviously, benefit from economies of scale in trading commissions.Vanguard does not, however, offer a mutual fund that replicates the 3,000 stocks in the Nasdaq Composite index. This index is one of the investments that gave us outstanding returns in our model portfolio, but until 2003 there was no way to buy that index. The only way to capture all of the Nasdaq stocks in one trade is to buy the Fidelity Nasdaq index fund called the ONEQ. Its management fee of about one-half of 1 percent causes it to underperform its benchmark a little, but we finally have a way to invest in the Nasdaq Composite index.Other equity ETFs track a myriad of sector indexes that help us with our sector rotation investing and our selection of individual stocks.Index ETFs are true index funds as opposed to the sector mutual funds. Those sector funds may hold only 80 percent of their assets in their sector, but ETF’s have as much money as possible invested as a mirror image of their index. Because exchange-traded funds are truly passive, many of them have lower fees and better tracking results than traditional sector mutual funds.The new exchange-traded funds offer hundreds of ways to track indexes in all of our asset classes. They also include the four styles: large and small capitalization and value or growth stocks. Then, of course, there are ETFs offering indexes of blended styles.FIXED-INCOME ETFSFixed-income ETFs fall into two categories: international and domestic. Barclays Bank is the trustee for a family of foreign fixed-income ETFs that allows investors to choose among several points along the yield curve. Like a traditional bond mutual fund, an ETF will never mature; so investors are just choosing whether they want short-, intermediate-, or long-term investments. In effect, they are buying perpetual bonds of a particular duration. Goldman Sachs acts as trustee for an ETF that mirrors its corporate bond index, and Lehman Brothers is the trustee for several U.S. government security funds. These funds may be one of an investor’s better opportunities to get institutional prices for bonds.REAL ESTATE ETFSThe fund selector on Yahoo.com identified four real estate investment trust ETFs. Each one tracks an index for different parts of the domestic REIT market. The oldest one is the iShares Dow Jones U.S. Real Estate ETF that came out in 2000 when the yield curve inverted. The fund went from $55 per share at inception to $123 per share four and a half years later and earned an average annual return of 20 percent. As you know, the stock market lost 20 percent during those four years. Whoever made that new product decision at Dow Jones probably uses the same yield curve analysis that you and I do.GOLD BULLION ETFSGold ETFs are one of the few ways that people can invest in gold bullion near a price that is usually available only on an exchange. These ETFs buy gold bullion and store it in a vault. This is very different from gold mutual funds that own shares in mining companies but do not own the gold itself.The two investments behave quite differently during a crisis. Mining companies trade like any other stock when investors panic and sell equities indiscriminately. At a time like this, gold stocks decline along with all the others. The physical commodity of gold, however, often provides a safe haven during uncertain times and makes money when stocks crash.The first gold bullion ETF appeared in November 2004 and attracted a phenomenal $1.3 billion in assets during the first two months. This gold ETF, StreetTracks Gold Shares, uses the symbol GLD. Unlike most ETFs, it trades on the New York rather than the American Stock Exchange.Yahoo.com shows two performance numbers for each ETF: that of the ETF itself and that of the index it replicates. Investors can see how well their fund is doing its job of tracking its benchmark, and StreetTracks Gold Shares appears to lag the performance of gold by about one-half of 1 percent. This discrepancy is probably due to the cost of storing the gold. Owning an ETF may be the cheapest way to buy and store gold because economies of scale allow the trust to buy gold near the price on a major exchange, such as the COMEX in New York, and spread the storage costs among so many investors.Now that we have investment vehicles that represent gold on the COMEX and the Nasdaq Composite index, we can use them in our model portfolio instead of cash and the S&P 500 index. For the sake of simplicity, however, we will use our usual trade dates rather than buying gold when the 10-year, three-month yield spread exceeds 10 percent. We will start after 1973 when the price of gold was allowed to fluctuate (see Table 1).All of our returns look better with our new starting date; even the S&P 500 index improves a couple of percentage points compared to previous graphs. The more aggressive equity investment, the Nasdaq index, provides one-third more return even without active management; including dividends on the larger index would have closed this gap a little. As Figure 1 shows, trading two aggressive instruments, Nasdaq and gold, more than doubled the return of the unmanaged S&P 500 index.The dollar amounts of the three portfolios are vastly different because of the impact of annual compounding at different rates (see Figure 2). The returns might have been even stronger if we had used foreign currencies.FOREIGN CURRENCY ETFSForeign currency ETFs are similar to international equity index funds except that they may own stocks in a global index. There are many global indexes, and the term includes the United States. If your objective is to own nothing but foreign currencies, make sure that your ETF does not include U.S. investments. The web site ETFConnect is one of the few that allow you to search their databases by investment objective, and a search for global investments found 37 funds matching that description.The difficulty with mutual funds and ETFs is that convenient products like these usually become available a little late in the investment cycle. Cutting-edge investors often have to do their own homework and invest directly in stocks in order to get in at the beginning of each new cycle.Investing directly in stocks provides the opportunity for greater returns than investing in an index fund. Of course, the risks are greater as well, but our market timing model should allow you to focus on the right sector. Once you become familiar with the business and the companies in a sector, you are in a good position to buy a strong security. Sector investing provides the background you need as well as a list of companies from which to select your investment.SUMMARYThere is a wide variety of new funds that provide inexpensive diversification with a minimum of homework. Exchange-traded funds add to our flexibility for trading throughout the day, and some of them take advantage of extended trading hours. Many of them have lower fees than sector mutual funds that may impose a sales charge or marketing expense. Unlike mutual funds, however, ETFs incur a brokerage fee as if they were a stock.These funds are important to us because they complete the tools we need to implement our model portfolio. Up to now we have been able to invest in all asset classes except for gold bullion and most equities except for the Nasdaq Composite. Two of these new funds fill those gaps. One fund, StreetTracks Gold Shares with the symbol GLD, gives us a chance to own gold bullion near the price it trades on the COMEX division of the New York Mercantile Exchange. Another ETF, the ONEQ, allows us to own all 3,000 stocks in the Nasdaq.The rest of the exchange-traded funds offer hundreds of ways to invest in industry sectors and styles with low portfolio management fees. They open a window on a segment of the business world and supply us with a list of companies to study in depth. Once we have mastered an industry, we are ready to choose one of the stocks on this list to buy.J. Weir
Barter Markets
The act of trading goods and services between two or more parties without the use of money. Bartering benefits companies and countries that see a mutual benefit in exchanging goods and services rather than cash, and it also enables those who are lacking "hard currency" to obtain goods and services. An example of a barter arrangement would be if someone built a fence for a cattle farmer in exchange for food. Rather than the farmer paying the builder, say, $1,000 for the fence, he would give the builder a similar value in beef.
Blue Chip Stocks
A "blue chip" is the nickname for a high-quality stock that is thought to be safe, in excellent financial shape and firmly entrenched as a leader in its field. These kinds of stocks have been called "blue chips" for decades. the phrase blue chip comes from poker where the highest and most valuable playing chip is blue. It is an interesting reference in that the game of poker and the stock market both involve some elements of skill, luck and risk. Blue chips belong to companies renowned for the quality and wide acceptance of their products and services, and for their ability to make money and pay dividends in both good and bad years. Blue chips generally pay dividends and are favorably regarded by investors especially by investors with a conservative risk tolerance.A few examples of blue chips are Wal-Mart, Coca-Cola, Gillette, Berkshire Hathaway and Exxon-Mobile. Blue chip stocks are sometimes referred to as bellwether issues. Despite their reputation as boring, stogy and perhaps even a little outdated, blue chip stocks have long reigned supreme in the portfolio of retirees, non-profit foundations and conservative individuals. These companies often reside at the core of American business and boast pasts as colorful as any novel. Yet the prosaic-ness attributed to them is certainly not deserved; there is nothing more exciting than making a profit and that is certainly what blue chips are all about. Information about blue chip stocks is usually found on the Dow Jones Industrial Index.
How to Set and Achieve SMART Goals
A common acronym in goal setting is the so called SMART goals, but what does it really mean and what is so smart about them? The SMART acronym is used to describe what experts consider to be "good" goal statements because they contain most of the essential ingredients. The SMART acronym itself has several different variations depending on who you ask. However, I think it is useful to look at all of them because it provides a well-rounded goal statement.S Specific & SignificantM Measurable, Motivational, Methodical & MeaningfulA Action-oriented & AchievableR Realistic & RelevantT Time-bound & Tangible
Writing SMART Goals
Let's take a closer look at each of these properties.Specific - Your SMART goal statement should be a clear and specific statement of what you want. The main reason is that your brain behaves like goal-seeking mechanism, similar to a precision guided missile. As these missiles fly, they continually make small adjustments and corrections to their trajectories to realign themselves to their target.Your brain also works in a similar way. Dr. Maxwell Maltz, author of the classic Psycho-Cybernetics, said that human beings have a built-in goal seeking "success mechanism" that is part of the subconscious mind.This success mechanism is constantly searching for ways to help us reach our targets and find answers to our problems. According to Maltz, we work and feel better when our success mechanism is fully engaged going after clear targets.All we have to do to use this mechanism is to give it a specific target. Without one, our success mechanism lies dormant, or worse, pursues targets we didn't consciously choose.When your target is vague or ambiguous, your success mechanism can become confused and either shut down or go after the wrong target.Significant - Significant goals are the ones that will make a positive difference in your life. If a goal is not significant, why are you even contemplating it? Is it really your goal?Measurable - There is an old saying that says "what gets measured gets done."Making your goal measurable helps you see your progress, recognize if you are moving in the right direction, and see how far you still need to go.Some types of goals, like saving a certain amount of money each month, or reading 100 pages per week, are very easy to measure, while other goals aren't really measurable directly.For example, if your goal is to improve your relationship with your significant other, how do you measure it?One option is to use some sort of rating. For example, you could say that your relationship is a 6 and your goal is to make it an 8.The problem is that these types of ratings are very subjective, can change from day to day, and don't really give you very good feedback.A better option is to focus your goal on specific actions you can take that will help you achieve your overall objective.For example, if you want to improve your relationship, your goal might be to practice the "4 small steps to a better relationship" every day. This is something that you can easily measure.Even though measurable goals are very important, I think it is equally important to remember your original objective. Otherwise, it is easy to lose yourself in your goals and forget the reason you set them in the first place.Motivational - Goals need to be motivational. They need to inspire you to take action and make progress. One of the best ways to make goals motivational is to ask yourself why you want to achieve it.Methodical - Methodical means that you need to think about a strategy for how you are going to accomplish your goal. You don't need to know all the details at first, just start with a general plan.Meaningful - Your goals should be meaningful to you. This just ensures that they are really your goals, rather than your parent's goals, or society's goals.Action-Oriented - This means your goal should focus on actions you can take that are in your direct control. It's OK to have goals whose outcome you can't directly control, as long as you are clear about the actions you need to take to do your part in the process.Achievable - This means that the goal should be achievable. It doesn't mean easy, just that you can have a reasonable expectation of achieving it.For short-term targets, your probability of achieving the goal should be 80% of higher. Longer term targets could be more of a stretch and have less probability of success.For your 5-10 year vision, you can go for something really big, even if you currently have no idea how to accomplish it.Realistic - Realistic is another word for achievable. Again, this doesn't mean that the goal needs to be easy.Realistic also means that the actions associated with your goal are things that you can do. For example, if your goal requires you to spend 3 hours at the gym each day, that may not be a very realistic assumption given your present situation and lifestyle.Relevant - Good goals are relevant to you and to your life. Relevant goals are meaningful and significant; they can make a difference in your life.If a goal is not relevant to you, then you need to ask yourself why you are even contemplating it.Time-Bound - For goals that have a natural ending (like outcome goals), establishing a clear deadline for them adds an element of urgency and motivation.Trackable - All goals should be trackable so you can see what your progress is, either in terms of results you are experiencing, or actions you are taking.Tracking your goals helps you determine if you are going in the right direction and make any necessary adjustments along the way.The best SMART goals are focused, specific, short-term targets that involve things that are under your direct control. This is what makes goals such powerful achievement tools, but it is also what can limit them.If you only use SMART goals, you run the risk of losing sight of the big picture, the reasons why you are setting goals in the first place.As Stephen Covey aptly points out, SMART goals can help you climb the ladder of success step-by-step, only to find that it is leaning against the wrong wall!That's why you also need longer-term dreams/goals that may not be SMART, but that give you overall direction, motivation, and guidance.It's when you combine these two types of goals that you can really make tremendous progress.
Company`s profit plans :
1)Deposition plan:
a)short-time (6 months) : 7% monthly benefit. at the end of the period(6 months), owners can withdraw principal of their capitals.
b)middle-time (12 months) : 10% monthly benefit. at the end of the period (12 months), owners can withdraw principal of their capitals.
c)long-time (24 months): 15% monthly benefit. at the the end of the period (24 months), owners can withdrawprincipal of their capital.The least amount of depositing should be 1000 USD and one can increase it by coefficient of 100 USD.
2)Direct introduction commission:
15% of amount deposited by the people you introduce to the company will be paid to you.(PLD)
3) Binary plan:
for each 5000-5000 USD balance (direct or indirect introduction) you`ll be 500 USD paid.(PLB)
It means as you register your name in company`s plan, you`ll be given a site( position) which has a left and a right side( hand).when depositing amount of your both hands reaches to 5000 USD,company will pay you 500 USD. It should be mentioned that in balances higher than 100000 USD, for each 10000-10000 balace you will be paid 500 USD.
Of great importance is that you can withdraw your depositing money after the period is over (according to the type of plan) it means you can choose one of the plans according to and the time you don`t need the money you are depositing while this virtually doesn`t exsist in the plans of any other companies.
We`ll try to provide you more information in the next few days.
Palinure financial group is one of the best comapnies that works on the internet for"online investment"and received small or big capital from all of the worldand pay interests to them in three plans.All of their activities are legal and they incorporate in the onshore area.
Invest Start way
According to the company’s low, you can not invest directly. First you must have been introduced by one of the company investors. I could introduce you for company.
The way of paying money to the company
The currency of the company is epoint (1 epoint = 1 USD).
Epoint means electronic point or electronic money. You should provide epoint according to investment amount of money.
The way of providing epoint
In the start your epoint's have provided with your introducing one. After that you can provide epoint directly. For this you should pay money to the company's account and the company send epoint to your account in your home page in company's website. Or provide by me too.
Note: the yearly subscription fee is 50 usd.
Interest payment way
Your interest and commissions have paid with epoint in your account in your own home page. You can change epoint in two way
you can use in new invest by yourself or other one.
you can introduce your own bank account information via your hame page for the company and company pay usd in your own account.
Company’s website: www.palinureinterest.com
Company Address: 4689, 27 South Sebring, Florida, 33870, USA
if you want to investment, contact with me.
Last news
In the near futur:
- you can invest with your creadit cards (Master card or Visa card)
- you can transfer your interest into your own account
Friday, November 2, 2007
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