Investing and the internet - Free Essay Example

Investing and the Internet The pervasive influence of the Internet has had far-reaching implications for both markets and investors around the world. The Internet has allowed individual investors to flood into the marketplace armed with an unprecedented and almost unlimited amount of information. This phenomenon has led to serious changes in how markets operate and respond to new information. Some of these changes have been negative and some have been positive, but this paper will attempt to demonstrate that the overall impact for investors has been for the better. Along with nearly every other aspect of life, the Internet has forced the world of investing to undergo a democratization process that ultimately has proved and will continue to prove beneficial for the individual investor. The Internet has benefited the individual investor with near-instantaneous access to information, a change in the nature of shareholder influence and power, and lowered costs and barriers to entry. With the mindfulness of the som e of the negative aspects of the Internets influence and the wherewithal to exploit the benefits, individuals can work towards financial independence on their own terms. The first and most obvious benefit of the Internet is the vast amount of information available to investors. What was once an arduous and time-consuming process of requesting financial documents from investor relations departments, now only requires a brief search to reveal not only official financial documents, but also mountains of blog posts, analyses, and minute-by-minute news for a particular company. According to the 2014 Brunswick Investor Use of Digital and Social Media Survey[MD1], investors are increasingly relying on blogs (up 7% year-on-year to 59%) and social media (up 2% year-on-year to 26%) to research the market or individual investments. More importantly, online engagement is having a greater influence on individuals investing decisions (up to 27% investment decisions influenced by blog posts). (2014 Brunswick) This has allowed individual investors to quickly increase their knowledge on companies and the market as a whole. However, investors should be mindful of the potential downfalls of having so much information available. The issue about investors having so much information available depends on the relevance of the information to the decision and on how well-equipped the decisionmaker[sic] is to use the information. (Barber, Odean 46). In fact, an overabundance of information can actually lead inexperienced investors to feel overwhelmed and unable to separate useful analysis from irrelevant or misleading information. In the investing industry, this is widely known as analysis paralysis. Though these points do have merit, the act of being mindful of these biases will help investors overcome them and, over time, investors will become more aware of what useful, relevant information is and what is not. In fact, what is most important and beneficial for individual investors is long-term  nancial planning and asset allocationas opposed to speci c stock or asset selection. (Barber, Odean 4 5) According to Dick Davis, individuals should tune out the overabundance of information. One of the worst things that can happen to a long-term investor is to be instantly and totally informed about his stock. (para 2) Especially for a well-planned portfolio, the medias daily ineptness is of less concern to someone who is truly a long-term investorand maintains that long-term focus even when listening to the daily news. (Davis, para 33) The increased access of information is leading to a paradigm shift in corporate governance of publically traded companies. Scholars have noted that many companies are suffering from falling attendance rates at annual general meetings of shareholders. (Grzybkowski, Wojcik 2) With multinational corporations stretching to every corner of the globe, it is virtually impossible to get every shareholder from various countries together in one place. So, while it is unlikely that the Internet will completely supplant face-to-face meetings for corporate governance, the Internet is supporting the development of a global marketplace for corporate governance. (Grzybkowski, Wojcik 14) Tools must be developed for shareholders to vote in important board decisions, lobby companys investor relations department, and get in touch with other shareholders through electronic means. This new dynamic is changing how executives operate in the boardroom. While it is unlikely that a small, individual investor w ould have a massive impact on the overall course of a company, a cohesive group of investors, brought together through the Internet, could have enough clout to influence corporate policy. (Barber, Odean 53) Just as websites like Kickstarter or Indiegogo are able to rally investors behind a product or a new company, it is feasible that individual shareholders would be able to form groups or coalitions to help influence policy in huge, traditionally structured companies as well. The most beneficial aspect the Internet has had on individual investing by far is the reduction of costs and barriers to entry associated with the buying and selling of securities. The proliferation of online brokerage firms like Scottrade, Fidelity, TD Ameritrade, and others have drastically reduced frictional costs of investing, or to be more exact, retail investors have seen a dramatic decline in the commission rates they pay to trade securities. (Fuhrman) As the rapid expansion of start-up, online brokerage firms suggest, the marginal costs of services such as enabling a customer to review a portfolio or the status of trades are essentially zero, and such services can be provided 24 hours a day, every day. (Barber, Odean 43) The fact that these brokerage firms are available at all hours of the day, no matter what part of the world the investor is in, is hugely attractive to those investors who are stifled by the office hours and regulations of larger, traditional firms. Also, the overhead for these companies is far less than that of huge banks and brokerage firms, so those large companies may not be able to adapt and adjust to woo customers away from online brokerage firms. Subsequently, this forces traditional brokerage firms to lower their prices and scramble to add additional services. For example, as the prices for traditional financial service advice goes down,  nancial advisors [must] provide more servicesfor example, tax planning, tax preparation, estate planning, and insurance planningto differentiate themselves from the on-line providers. (Barber, Odean 45) These services will prove to be an advantage for consumers as financial advisors become more specialized and better able to convey more complicated information that, for an individual investor by themselves, would be difficult to comprehend and implement correctly. So, the Internet still has a major influence on services provided in the real world by traditional financial service compani es. The Internet has fundamentally challenged the status quo in the investment world. Access to greater amounts of information, critical changes in corporate governance and individual shareholder influence, and the dramatic decrease in the cost of trading securities are all intertwined and have both positives and negatives. Though the negatives do have various degrees of merit, the overall impact of the Internet ultimately tips the scale in the individual investors favor. Works Cited Barber, Brad M., and Terrance Odean. The Internet and the Investor. The Journal of Economic Perspectives (2001): 41-54. PDF. 16 Oct. 2014. Brunswick Group. Investor Use of Digital and Social Media Survey. New York, NY: Brunswick Group, New York Office, PPT. 16 Oct. 2014. Davis, Dick. The Stock Market and the Media: Turn It On, But Tune It Out. The American Association of Individual Investors Journal May (2008): 14-16. Web. 16 Oct. 2014. Fuhrmann, Ryan C. How The Internet Has Changed Investing. Investopedia. Investopedia, 6 Feb. 2012. Web. 16 Oct. 2014. Grzybkowski, Michal, and Wojcik, Dariusz. Internet and Corporate Governance. 6th Global Conference on Business and Economics (2006): 1-21. Web. 16 Oct 2014. [MD1]Does this need any formatting, such as italics? Im not sure.

Conflict Management Strategies Essay - 550 Words

Conflict Management Strategies (Essay Sample) Content: Conflict Management StrategiesName:Institution:Task:Tutor:Date:Conflict Management StrategiesArticle 1:Exploring Conflict-Management Strategies through Applied Drama. A Wits University Case StudyIn this article, Chinyowa (2013) is clear in his approach towards the practicality of policies that are developed by university institutions across South Africa. The author recognizes that few of the policies are put into action and especially in regard to handling conflicts between students. The author identities that there are various factors that contributes to conflicts which range from race, gender and culture. Students should be protected from any harassment from their fellow students in the universities by the university management (Chinyowa, 2013). However, this cannot be achieved without the university guiding the students on how to manage different conflicts.To respond to these problems, Chinyowa recognizes that universities have adopted various means with the first one being drama. Through drama, the students are able to identify the causes of conflicts and how they are solved. This exposes them to different ways in which the conflicts need to be solved avoiding creating more problems. Through conduction of sexual harassment survey, it was identified that the majority of the student never report (Chinyowa, 2013). Therefore, the university management decided to engage the students to simulate their experience on sexual harassment. This enabled them to understand the different forms of harassments and how they should handle them. Integrated conflict mediation model further reinforced the lessons learned by the students in managing unnecessary conflicts.In summary, the author identifies harassment and conflicts in most universities in South Africa. Then he considers evaluating the causes of these problems, where he finds that studentsà ¢Ã¢â€š ¬ involvement is necessary. Through participation in dramas and other role simulation games, students ar e able to learn about conflict management. Further, different models are applied, which makes the learning easier and thus the achievement of laid down objectives. It is believed that there will be reduced conflicts among students after the lessons and their engagement.Article 2:Reducing Conflict-Related Employee Strain: The Benefits of an Internal Locus of Control and a Problem-Solving Conflict Management StrategyThe article identifies that stress is a source of low productivity in organizations and reduces the morale of employees. Dijkstra, Beersma and Evers (2011) went further to identify how individuals characteristic influenced experienced strains in work places. The authors actually had the idea in mind that locus of control of individuals determine their productivity and experiences. In organizations, conflicts arise between individuals or within groups which could influence stress. It is true that the level of stress experienced by individuals is dependent on their type of l ocus of control. Through a study of health care workers, the authors were able to establish how conflict related to workplaces could be solved through strate...

Summer Reading Programs 2019 Free Stuff for Kids

The Poet At Seven By Donald Justice - 1194 Words

When a reader initially reads Donald Justice’s â€Å"The Poet at Seven,† he or she might take the easy route and conclude it for what it says, only. If this method were taken, the poem’s presumed plot would have been taken quite literally: the poet is reminiscing about his childhood memories; the poem is sweet, simple, and nostalgic. However, poems are not that simple. They are complex riddles, full of hidden meaning. To truly shed light on Justice’s purpose of the poem, it is necessary to look at the â€Å"what-if’s† through its intricate designs of language. The poem’s form is an important start when close reading. Also, to discern the hidden meaning, it is important to consider the specific word choice and how it paints a picture inside the reader’s mind. As a result, the reader will grasp the poem’s true intention. By doing this, the reader will sincerely have an understanding of â€Å"The Poet at Seven,† the w ay Justice probably would have wanted. To begin the steps of interpreting what Justice has to say, it is crucial to analyze the poem as a whole. â€Å"The Poet at Seven† is a sonnet, but not the typical type of sonnet; the type of poetry that Justice applied is called a Petrarchan sonnet. Rhymes are used starting with the first line, later pairing it with line four, and so forth. Justice even expertly applied sight rhymes, words that look like they rhyme, but technically don’t, with the words â€Å"come† and â€Å"home.† It succeeded, just like every other factor in the text. â€Å"The Poet atShow MoreRelatedBob Dylans Impact on Pop Culture1515 Words   |  7 Pagesincessant touring; such as ‘The Never Ending Tour’ of June 1988 established a new type of touring and a new vessel for mass communication of music. [Various Authors, 2001] He changed from an initially young folk audience yearning for protest songs and justice to a more commercial rock audience. His socially conscious a nd politically motivating lyrics appealed to the folk crowd who consciously turned away from mainstream culture. He appeared at cause concerts and voter registrations and began to receiveRead MoreThe Plague of American Art1457 Words   |  6 Pagestendency to fund illegal pieces of art is disdainful, it also has a problem with reckless spending, a government trademark. $1500 was granted to a poet who wrote the masterpiece that is lighght (Ten) This piece of poetic genius consists of only one word, its title. The NEA has a problem with discretionary spending. For what reason should a poet need $1500 to write a one word poem? If the private sector was at the decision table for that grant, there is no way it would fly, so why should theRead MoreAncient Greek Culture2704 Words   |  11 Pagesthese early thinkers, our world would be completely different. All the theories behind music are mathematically derived. I, for one, cannot imagine life without music. 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Rastafarian poet, Bongo Jerry pleads for an end to the â€Å"double meaning† and â€Å"crossword speaking† of the English Language, which lead not only to linguistic confusion but also to cultural alienation.39 Bob Marley is even more blunt in his expression of resistanceRead MoreOne Significant Change That Has Occurred in the World Between 1900 and 2005. Explain the Impact This Change Has Made on Our Lives and Why It Is an Important Change.163893 Words   |  656 Pagesdisparities also overlooks several factors. Wage gaps between northwestern Europe and its destinations were on the lower end of the spectrum because all of these places had relatively high wages, but these disparities nevertheless took more than seven decades to even out. The wage gap between southern and eastern Europe and the transoceanic destinations narrowed but did not close, and those between sending and receiving areas in Southeast Asia did not even narrow. 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Routine Housekeeping Procedures Essay - 1309 Words

For this assignment I will discuss and evaluate the improvements to computer systems achieved by routine housekeeping procedures and the benefits. Listed below is what I shall be discussing. - Physical cleaning - Disk Defragment - Virus Scanning - Disk Clean up - Disk Checker - Windows updates Physical Cleaning Physical cleaning means that you will clean the keyboard, mouse, computer screen and check for any errors such as stuck or missing keys on the PCs keyboard. This process involves cleaning the chassis of the machine and also looking for dust inside. You will use compressed air to help you clear up the dust inside. - You will use compressed air to clean within the computer chassis and the internal components. You will†¦show more content†¦This will prevent issues in the long run and stop your data being corrupted. Furthermore, defragment will also increase the performance of the computer system and that physical cleaning improves the environment of the computer and also prevents long term issues such as crashing and over heating. Disk Clean up This is a computer maintenance utility which is provided by windows which frees up disk space on a hard drive. This cleans up temp files, internet cache file; recycle bin and any other unnecessary items. This utility does it safely. Advantage - Speeds up computer - Cleans machine for un needed files - Safely removes files - Frees up space Disadvantage - Can take time - Can delete files in recycle bin which you may not want deleted Effectiveness This will clean the computer for junk files. This is effective during maintenance as it speeds up the computer and also saves space. By running this task once a week or so, will help speed up the PC and free up space. This will help the computer operate much more effectively. 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Safety considerationsRead MoreHotel Management4954 Words   |  20 PagesHotel Lahore PC Hotel Peshawar HISTORY/BACKGROUND: Travelers in the early 1700s found hospitality similar to that in their countries oforigin, even though these new accommodations might have been in roadhouses, missions,or private homes, and the housekeeping might have included no more than a bed of straw, changed weekly.Facilities in all parts of young America were commensurate with the demand of the traveling public, and early records indicate that a choice was usually available; travelers basedRead MoreInteraction: Sales and Ce Manager2254 Words   |  10 PagesFront Office Interaction with Other Departments in the Hotel The front ofï ¬ ce staffs interacts with all departments of the hotel, including marketing and sales, housekeeping, food and beverage, banquet, controller, maintenance, security, and human resources. These departments view the front ofï ¬ ce as a communication liaison in providing guest services. Each of the departments has a unique communication link with the front office staff. Food and Beverage Department  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   CommunicationRead MoreAdministrative Assistant Job Description1401 Words   |  6 Pageswith vendors and oversee areas such as libraries or stockrooms. Administrative Assistant Job Description Definition: Working under the supervision of the Executive Director, the full†time Administrative Assistant oversees and manages all office procedures and other tasks as assigned by the Executive Director. Salary is commensurate with experience. Duties and Responsibilities: 1. Oversee all aspects of general office coordination. 2. Maintain office calendar to coordinate work flow and meetingsRead MoreOjt Report1675 Words   |  7 PagesThe use of portable firefighting and life saving equipment, the actions to be taken during emergencies. Familiarize by the SEPP (Safety and Environmental Protection Policy). They also demonstrate the proper donning of lifejacket, proper jumping procedure and safety working. Second day of us and our first duty. All of us will have to wake up early in the morning because our duty will start at 6’clock. I don’t know what we are going to do in our first job but I felt so excited because that is my first

History Of Acquired Immune Deficiency Syndrome - 1272 Words

The history of Acquired Immune Deficiency Syndrome in the United States starts in 1981, the year it became recognized by country as an official new strange disease. By 1982 it was recognized as Acquired Immune Deficiency Syndrome (AIDS). It started in San Francisco, with five young homosexual men, they were presented with Pneumonia (PCP). As the year went on there were more reports of homosexual men presenting PCP and some of them were diagnosed with PCP and Kaposi ´s Sarcoma (KS). Others reports from drug injection users follow the same syndromes. All of these individuals shared a profound immunodeficiency, the hallmark of which was a depletion of CD4-positive, or T-helper, lymphocytes (Osmond, 2003). The Centers for Disease Control (CDC)†¦show more content†¦The first death on HIV reported, was in 1985. By 1987, regulations were issued, AIDS was added to the official South Africa list of communicable disease. The spread of HIV in South Africa is best described as explosi ve because of the rapid rise in HIV prevalence (Karim Karim, 2002). HIV kept spreading around homosexuals, it came to a point where also women, infants and people that got blood transfusions were infected with it. At this point it became a red light for the government. In 1994, with Nelson Mandela as a president HIV/AIDS got attention, but it wasn t the attention it needed. In 2009 with President Jacob Zuma, there was another big change that transformed the health police, bringing more attention to it, looking for a better health care and control of the disease. Compare United States United States has a goal in mind regarding Human Immunodeficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS) infection, to become a country free HIV/AIDS, make it a rare disease and if someone gets it, the person will receive a high quality healthcare and no discrimination for the disease nor the person ´s economy, ethics, sexual orientation, etc. In 2010 it was established the National HIV/AIDS Strategy for the United States. With President Obama in charged, the government committed to reach three main goals regarding the HIV/AIDS strategy plan; reduce the number of people

Exiles Essay Example For Students

Exiles Essay Exiles ResponseIn the essay Exiles, Carolyn Steedman uses different voices throughout the story. Steedman uses her mom, dad, and grandmas voice to speak her essay to the reader. She does this by either using someone elses memories of the instant by referring to what their mom did, told by the father or grandmother. She also uses memories or voices that her mom or dad said. An example of this would be the telling of Steedman moms story, which was told by her father at the time in bits and pieces throughout the fifties(647). Her father says about Steedmans mother, Your mother drank gin once, contradicting what Steedman heard when she was young from her mom that she didnt go out dancing or drinking. Showing that this secret was revealed years later, with nostalgic regret by her father(647). Knowing that her mom, at the time, she remembers, was a good mother and later in life to be lied to and deceived for her own good. The author uses voices in the essay while remembering what her mom a nd dad were saying to her about memories of each other. So in other words, the author remembers what her parents said to her about each other and includes their voices in the essay. She also includes what she remembers exactly from her parents. If it wasnt for you two, my mother told us, I could be off somewhere else (653). The quote obviously shows that this is what she remembers her mom saying. The author puts voices in the essay by using memories of her past. Steedman uses voices in her essay so that the reader can get a background and see perceptions or feelings. She was a good weaver; six looms under her by the time she was sixteen(647). This paragraph of a story was told about her great-grandmother and as an eleven-year-old and how she was exploited. The author uses this as a voice because it tells how her mother also used her hands at her jobs. The author also shows where she received her traits in house cleaning from her mom. The author feels that I sometimes find myself thi nking that if worst comes to the worst, I can always earn a living with my hands(655). If you want something, you have to go out and work for it. Nobody gives you anything; nothing comes free in this world(652). This powerful statement was told exactly by what the author hears from her mom. The author uses her memories of what her mom said to show that she still uses her moms advice in the present time. She also uses this passage as a way to get a feel for how her mom was in the past and that she was a hard-working woman. The story that her mom told was,that she flung a sixpenny piece back at a titled woman whod given it her as a tip: If you cant afford any more than that Madam, I suggest you keep it. Wonderful! Like tearing up the ration books (652). This showed that the author was astounded by the way her mom was hard working. These passages also conceive that the author has lived her life with her mothers hard-working attitude. She has grown from the past of her mothers. What also can be seen is the emotion of her mother and her perception of hard work. Theres that woman on the phone again; Why tell me? Who else is there to tell? (666) The author could use this passage in a way to tell why the voices are being used in the essay. Why tell? Who else to tell other than the reader. The reader will listen and understand where someone is coming from through voices. Using past history and perceptions makes a good sense of where someone comes from and overall gives a feel of where someone came from or has gone through. This makes the essay seem more familiar. I remember as it were but yesterday, . . . (652).