Kivisild.net

Panic, world crisis has reached us. We are all doomed.

But wait, is everything really so bad? I don’t think so.

I would like to devote this article for those, who do not own businesses (here really not everything is good), but for everybody else. Who goes to work, who has dreams and family.

Look around! Because of the crisis:

• Prices for cars went down a lot! If you were planning to but a car, now is this moment to to that. Not only the buying will be cheaper, there will be some extras included (for example, alloy wheels, or xenon lights). In Estonia, the car dealers have a lot of offers. For example, if you would buy a Toyota Land Cruiser, you will receive small Toyota Yaris for free!

• Real estate. Prices down also. In Estonia, around 20%. Thinking about new flat, get one! But the banks will like to have 20%, 30% from price to be payed at once…

• Cheaper holidays! But we aware, it could be that in final destination you will stay for longer that you planned…

• But shares of good companies for really cheap price! I think this is the greatest possibility.

• Cheaper electronics, goods, furniture, and so on.

There are a lot of other examples. The crisis is a normal happening, and a great possibility. You should always look around the corner and act otherwise as the crowd. But do not forget to use your head, please.

Hey there.

I am very sorry not writing for a long time. Had some reasons.

Would like to share something personal, this is a blog, remember, personal blog.

At first! New 2009 has arrived! Yeah! Second, I have a new job. Third, i must begin to write my science work…

Now I am, I think, pure PHP programmer.  After 10 month of work in a small, but family like company, decided to change my workplace. Why? We always must be in a movement. The only thing i do not like, is to get up at 7:30 am. It is not so early, and the problem is not that I want to sleep. It is still so dark outside. And people, like zombies, going to work, to spend there 8 hours a day, 40 years of life.

I thought a little bit overhere. What would you better do, sit at home, thinking and developing your genious idea, or goind to work for 8 hours a day? Personally I think, that we should be working, until we have not our own business. But not working for 8 hours a day, a little bit less. Please, listen, i will try to explain.

Of course, we all must work, because we have to pay for house/apartement/car/university and so on. But! Working for somebody else, that will not change anything to you. You will be so exausted by that, so in the evening you would rather watch TV, than reading and developing yourself… Think about it. Do not waste your life, try as hard as you can to be independent.

I will explain everything more seriously, but for the end, some numbers.

I live in Estonia, average salary around 11 000.- eek.

1.- USD dollar  ~ 11.- eek

For our 40 years(until the pension?), working 8 hours a day, we will earn:

12 * 11 000 = 132 000.- eek in a Year

132 000 * 40 (years) = 5 280 000.- eek  This is around $480 000.-

This is a very small sum. Only 480k. Meaning you are not eating, buying anythig, going out. Are you satisfied with it?

This nice Lambo costs around $330 000.- You really want to work for someone, or at least try to do something?

Marketing is a very wide discipline. But everything what we know can be easily made more simple. I will try to explain few marketing tips.

Marketing is all about selling. This area of activity starts to work when consumer starts to think about new buying.
All the process can be easily divided into 5 parts. I have described each one a little bit.

1. Recognition of a problem
Reason for getting new stuff always differs, but the result is one- buying something, whether you need a new sofa (old one broke) or want to impress your neighbors.
Example. You have hammer in garage, simple, with rubberized handle. Then you notice an advertisement about new patented hummer with titanium handle and with super fit. You can would like to buy it, but to you really need?

2. Information search
I think biggest part of humanity think before buy, at least I hope so. So they are reading reviews, asking friends, colleagues. Person want to know maximum about product. Is it good, what about the quality and so on.
Example. You TV is getting old? Our new Super- Plasma ultra- thin TV gives you superb quality and immense sound. Sounds familiar to you, right?

3. Viewing alternatives
After product is selected, consumers start to search for alternatives. For example, if there is any other HD TV with similar specs but cheaper?
Example. Looking for a new car? Check grand new Kia SuperPricless. Engine 1,4 liters, interior from unique blue plastic, and car wheels included in price!

4. Deciding
Here consumers decide, do they really need this product or not. Maybe all that was emotions, and the do not need a new Lambo in the garage, because they already have Veyron.
Example. You still thinking about new house? Do not think, just buy! Our well trained brokers will suck out all money what you own. And the loan interest is only 25%!

5. Bought stuff appraisement
The product is in your hands, time has come enjoy it fully. Did it suit you, or there are some things you would like to change?
Example. Not satisfied with your new buying? We will buy it back and make some discount personally for YOU in our store.

Those 5 topics describe all the way it takes consumer to buy something. And everywhere the marketing can be applied. I will not write how to act exactly in every situation, because it is so unique, and you all can make it yourself.

My blog is not devoted to this kind of stuff, but this is great!

5 topics to make it clear

It is recommended not to use emotions at all, when dealing with money. Clear mind should be used. Unfortunately, quite high percent of investors and traders are still losing money. They invest more and more money, when the shares are growing and selling when shares are falling. This strategy is not quite correct.
I will try to explain some topics in how to invest a little bit more effectively and in bad times keep as much money ‘alive’.

1. Do not react on everyday news.

   It is useless to react on everyday news. There is not a better possibility just not to touch invested money into good company, and wait to see the it growing.

2. Do not ignore your investment strategy.

   Make a plan, and follow it. This fill definitely maximize your income and minimize loss. This is quite difficult, because of the simple human nature- fear, that you will loose everything. Emotions will make all your great plan for buying a yacht disappear at once. Take it easy.

3. Panic because of the stock market fluctuations.

   Use this possibility instead of being part of it. The price goes down- buy good companies shares for low price! Remember, when everybody is selling – buy, and sell when everybody is buying ( the selling is mainly for traders, investors could use the cheap price to enter the market).

4. Refusing to invest into shares when market is down.

   The most successful investors were buying shares when everybody else were selling them. This is not easy at all. But isn`t it crystal clear- you are buying shares for low price, meaning they will give you back later much more. Of course, only good companies do…

5. Keep adequate resource distribution.

   You should regularly check your resource distribution. Meaning all your money is correctly disturbed, depending on your strategy, whether in shares, cash or funds. When shares price is falling, for example, you could decrease shares percentage in you capital.