By MyApronStore February 04, 2012
Thanks for the connection! ...read more
By Anonymous October 13, 2011
no stars - they are crooks - don't get sucked in if they are still in business they ought not be ...read more
By Your Site Rite January 22, 2011
ff ...read more
GeaSphere Market Analysis Dear GeaSphere Clients,Market volatility has given most clients an upset stomach and most likely high blood pressure. With the extreme partisan positions held by each branch of government, it is no wonder that the markets have been whipsawed so violently. Also the news coming out of Europe of a potential default of the weaker members of the union, and some Banks struggling to keep afloat. Investors are understandably nervous.Let's examine the big picture first. The Federal Reserve Bank took an unprecedented step on Tuesday, by changing the term structure of US treasuries on the short end of the yield curve, by signaling that rates will remain at historical lows through at least mid-2013. The Federal Reserve has effectively changed the term structure of the five-year treasury to a three-year treasury and a three year treasury to a one year treasury. Reading between the lines, the Federal Reserve message to the investment community is clear. One should consider reallocating assets from short-term treasury securities into higher-yielding equity securities to seek returns. Effectively the message was, treasury securities on the short end of the yield curve are not going anywhere in the next two years.As investors begin shifting fixed income assets out on the short end of the yield curve into equity securities, the GeaSphere risk premium analysis for the markets will begin declining from near record highs reached this week to a more acceptable level by year end. From a macroeconomic perspective, as the risk premium declines. The broader market PE multiples will begin expanding as investors begin bidding up the price of higher yielding equities relative to earnings.The GeaSphere Total Return fund has already been positioned to take advantage of this inevitable transfer from short-term and cash like instruments of the risk curve into higher-yielding blue-chip stocks. Our portfolio currently has a decidedly obvious bias toward high-yielding pharmaceutical and telecommunications stocks. This allocation should be the primary beneficiary as the rest of the market discovers the wisdom of your current holdings.History has taught us not to fight the Fed, as they have clearly signaled an intention to inflate equity assets over other instruments. We will continue to look for opportunities in the Oil and Technology sectors to further diversify and reduce risk and volatility of portfolios.It is also important to remember the GeaSphere stock selection system and philosophy. We buy stocks that have proven business models and have demonstrated the ability to increase market share in all environments. We look for companies with pristine balance sheets with no requirements for financing to expand or maintain current business objectives. We prefer companies with little or no debt and a clear vision of their business goals. We then apply our Price to Free Cash Flow analysis to weed out the great pretenders. Our last step is to buy stocks that have a true non-correlating relationship to the other stocks in the portfolio to decrease the volatility and improve the safety of our portfolios. And of course we monitor and adjust as needed to protect our portfolios in every environment. Thank you for the privilege and opportunity to serve you. Sincerely, Eduard Eduard HamamjianManaging DirectorGeaSphere LLCwww.geasphere.com877-351-4902401-351-4900 ...read more
By GeaSphere Advisors LLC August 12, 2012
Physician: How To Heal Your Retirement Plan If you’re a physician, you went through a lot to become successful. There were all those years of medical school and training followed by important decisions about how and where to practice. But now that you’ve established yourself financially, there’s something else you still have to do. Looking ahead to retirement means making choices about how you’ll get there and creating a financial plan that can provide a sensible roadmap to your future life. For many people in the thick of a satisfying career, retirement planning can seem like just one more chore. You have a good income now, and it may be difficult to imagine that it won’t always be like this. But taking the time to project the likely outcome of your current retirement saving and investing—and making adjustments if you’re not comfortable with your result—could hardly be more crucial. Consider the hypothetical example of George and Maria Frazier, who live in California. At the beginning of 2011, George, a physician, is age 55, while Maria is 50. George earns $300,000 a year from his medical practice while Maria works as a volunteer and doesn’t have any current income. The couple’s goal is to retire when George reaches age 65, and they have established retirement planning as the top priority of their financial plan. George has $1 million in a simplified employee pension (SEP) plan that he created when he started his practice. He anticipates contributing at least $10,000 a year to the SEP for the next 10 years, until he retires. He also has a traditional IRA with assets worth $200,000 on January 1. George no longer contributes to the IRA, so future growth will depend on how the plan’s investments perform. George is a conservative investor, more concerned with preserving wealth than with achieving strong returns, and he keeps half of the money in his retirement plans in cash and cash-equivalents, 25% in large-cap value stocks, and 25% in large-cap growth stocks. The Fraziers own their home, currently worth $750,000, free and clear. George also owns unencumbered real estate valued at $500,000. For simplicity and strictly for the purposes of this example, we will disregard any other personal investments and assets owned jointly or by Maria alone, their projected Social Security benefits, any expected inheritances, and George’s ownership interest in his medical practice. Using professional financial planning software, the Fraziers’ financial advisor can calculate the likelihood that they’ll achieve their main financial goals. The number crunching assumes they’ll earn an average annual return of 7.46% on their investments and face an average inflation rate of 3%. Of course, their actual returns will vary according to how individual retirement plan investments perform. Without any changes in the couple’s financial plan, the software calculates the chances of success at less than 40%. This is based on total lifetime spending during the plan of $5,079,600, projected to a life expectancy of age 90 for George and age 92 for Maria. When asked to “solve” their situation by projecting a success rate of 75%, the software produces a simple solution: The couple will achieve an acceptable result if George waits until age 67 to retire. Naturally, this oversimplified example leaves aside many other kinds of adjustments a physician might need to make in a financial plan. The outcome could also be affected by changes in George’s investment strategy, how much he contributes annually to his retirement plans, and income he may receive from selling his medical practice or the couple’s real estate. Taxes, inflation, and the possible impact of moving to another state during retirement are among other key factors not included here that could influence the outcome of the Fraziers’ plan. What’s more important than those hypothetical details is the whole idea of taking stock of your financial situation while there’s still time to make adjustments. Though retirement savings may be a principal goal, you’re probably also thinking about how to pay for your children’s education and fulfill your philanthropic commitments. You can factor in such variables as the timing of various outlays, how much investment risk you’re comfortable taking, and what other resources or liabilities you may have. We can help you weigh all of these factors in establishing a financial plan that can move you toward the kind of future you want. The time you take now to sort out your priorities and preferences will pay enormous dividends down the road. Eduard Hamamjian Managing Director GeaSphere LLC https://www.geasphere.com 877-351-4902 ...read more
By GeaSphere Advisors LLC August 12, 2012
Debt Payoff Strategies In these uncertain economic times, you may be thinking of reducing your debt load. There are a number of strategies for paying off debt that you might consider. However, before starting any debt payoff strategy (or combination of strategies), be sure you understand the terms of your debts, including any penalties for prepayment.Minimum paymentsYou are generally required to make minimum payments on your debts, based on factors set by the lender. Failure to make the minimum payments can result in penalties, increased interest rates, and default. If you make only the minimum payments, it may take a long time to pay off the debt, and you may have to pay large amounts of interest over the life of the loan. This is especially true of credit card debt.Your credit card statement will indicate the amount of your current monthly minimum payment. To find the minimum payment factors, you will need to review terms in your credit card contract. These terms can change over time.For credit cards, the minimum payment is usually equal to the greater of a minimum percentage multiplied by the card's balance (plus interest on the balance, in some cases) or some minimal amount (such as $15). For example, assume you have a credit card with a current balance of $2,000, an interest rate of 18%, a minimum percentage of 2% plus interest, and a minimum amount of $15. The initial minimum payment required would be $70 [greater of ($2,000 x 2%) + ($2,000 x (18% / 12)) or $15]. If you made only the minimum payment each month, it would take you 114 months to pay off the debt, and you would pay total interest of $1,314.For other types of loans, the minimum payment is generally the same as the regular monthly payment.Make additional paymentsMaking payments in addition to your regular payments or the minimum payments can reduce the time payments must be made and the total interest paid. The additional payments could be made periodically, such as monthly, quarterly, or annually.For example, if you made monthly payments of $100 on the credit card debt above (the initial minimum payment was $70), it would take you only 24 months to pay off the debt, and you would pay total interest of just $396.As another example, let's assume you have a current debt on which you owe $100,000, the interest rate is 7.125%, the monthly payment is $898, and you have a remaining term of 15 years and 3 months. If you make regular payments, you will pay total interest of $62,247. However, if you pay an additional $200 each month, it will take you only 11 years to pay off the debt, and you will pay total interest of just $44,364.Another strategy is to pay one-half of your regular monthly mortgage payment every two weeks. By the end of the year, you will have made 26 payments of one-half the monthly amount, or essentially 13 monthly payments. In other words, you will have made an extra monthly payment for the year. Furthermore, payments are made earlier than required, thus reducing the total interest you will have to pay.Pay off highest interest rate debts firstOne way to potentially optimize payment of your debt is to first make the minimum payments required for each debt, and then allocate any remaining dollars to the debts with the highest interest rates.For example, let's assume you have two debts, you owe $10,000 on each, and each has a monthly payment of $200. The interest rate for one debt is 8%; the interest rate for the other is 18%. If you make regular payments, it will take you 94 months until both debts are paid off, and you will pay total interest of $10,827. However, if you make monthly payments of $600, with the extra $200 paying off the debt with an 18% interest rate first, it will take you only 41 months to pay off the debts, and you will pay total interest of just $4,457.Get a debt consolidation loanIf you have multiple debts with high interest rates, it may be possible to pay off those debts by getting a debt consolidation loan. This type of loan will typically be a home equity loan. Therefore, the interest rate on it will often be much lower than the interest rates on the debts being consolidated. Furthermore, if you itemize deductions, interest paid on home equity debt of up to $100,000 is generally deductible for income tax purposes, thus reducing the effective interest rate on the debt consolidation loan even further. However, a home equity loan potentially puts your home at risk because it serves as collateral, and the lender could foreclose if you fail to repay. There also may be closing costs and other charges associated with the loan.All examples are hypothetical and for illustrative purposes only. Eduard HamamjianGeaSphere Advisors LLCeduard@geasphere.comwww.geasphere.comwww.buylow.pro401-351-4900 Certain debt payoff strategies can reduce the time payments must be made and the total interest paid. Before starting any debt payoff strategy (or combination of strategies), be sure you understand the terms of your debts, including any penalties for prepayment. ...read more
By GeaSphere Advisors LLC August 12, 2012
Payroll accountants are responsible for tracking the expenditure of money and assets through a company. Their job is to help companies track their income and maintain a timely payment record for expenses and bills. If you are interested in becoming a payroll accountant, you will have to be... ...read more
Computer files can sometimes be deleted by accident, get lost or damaged. This could be a potential nightmare, especially if these are small business accounting files. You have peace of mind by knowing how to use the "Backup and Restore" function in Microsoft Small Business Accounting. With a few keys... ...read more