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How to Hold Onto Your Money, Wherever the Market Takes You

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Optimism in investing these days often resembles the pessimism of only a few years ago.

Until the coronavirus struck in the United States earlier this year, upbeat forecasters invariably expected that the economy would expand: The only question was how quickly it would grow. Now, even in the best of circumstances, the economy will be smaller on Dec. 31 than it was at the beginning of this year, and nearly everyone agrees that without another dose of fiscal stimulus, prosperity will slip further from many people’s grasp.

What’s more, the world remains afflicted by a lethal pandemic and the United States is enduring a vituperative and divisive election campaign. Maintaining a laserlike focus on the stock and bond markets amid these crises is a challenging, if not impossible, feat.

Still, investors who have stuck with stocks despite all of the gloom have reaped great rewards, while bond investors have held onto their capital, even if they haven’t generated much income. Those who shudder at the current state of the world can still hope — and plan for — a better day.

Maintaining a well-tempered view of the future is, after all, a cornerstone of long-term investing. Without enough optimism to justify taking at least some risk, your money won’t grow in the years ahead. But without sober regard for the potential for further disasters, you could easily squander your chances for a prosperous future.

Take the stock market in the three months through September. If you were too frightened by the disarray and the disease spreading around the world to hold stocks, you would have missed an 8.5 percent gain in the S&P 500 on top of the roughly 20 percent gain of the previous three months. Yet the stock market collapse of February and March is still too recent a memory to encourage much exuberance now. What is an investor to do?

We’ve got some suggestions on ways to hedge your bets, and plenty of analysis and perspective, in our quarterly report on investing.

The stock market has exceeded most people’s expectations in the months since it hit bottom in late March. Strategists are divided on where it will go now, and on which market sectors are the best bets for the next several months.

U.S. Treasuries have been the bonds of choice for safe retirement income. But interest rates are extremely low — and seem likely to remain so for years go come. As a result, they could deliver no real return for the next decade, pushing retirees into other holdings, including annuities and stocks.

He has been working and saving for decades but one day he had a happy realization: He really doesn’t need anything else. It’s time to turn his attention to other things, including aiding those who are more needy.

When you need a place to park your money, money market funds have typically been a convenient choice. Now, with interest rates near zero, some funds are shutting down but many are waiving their fees.

The yield from a dividend fund can beat the scant rates paid these days by Treasuries and investment-grade bonds. But as always in investing, there is a price: You must be able to stomach the ups and downs of the underlying stocks.

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6 Tricks To Implement That Will Give Your Business Treats This Halloween

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Make your company sweeter as we head into the holiday season with these tips.

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October 27, 2020 4 min read

Opinions expressed by Entrepreneur contributors are their own.

Every is well aware of how important Black Friday and Christmas time are for sales. With the recent increase in online sales, Halloween falls at the perfect time of year to try to work in some strategies to get your business on sure footing going into the holiday season. Even when your business doesn’t feed directly into the Halloween experience, you can still find many ways to take advantage of this time of year to help your business get ahead of the competition.

Here are six business tricks to help your business as we head into the holiday period.

Enjoy your work

Remember why you started your business initially. You enjoyed what you wanted to do and had a vision in place. It is important to know the difference between working hard and not enjoying yourself. Although you and your employees might not be physically in the workplace, having a positive work environment is necessary. 

Enjoying the work you do can:

  • Motivate: Enjoying the daily tasks required can provide a working environment where employees are encouraged. They will feel inspired and motivated to work harder. With more employees working from home, providing is even more crucial now.
  • Increase : There has been research that shows that workers are 13 percent more productive when happy. A higher level of productivity can lead directly to an increase in the number of sales. 

  • Retain staff: Keeping staff members who are positive and motivated is key to the success of any organization. Having employees around that are familiar with your company’s vision and working ethics is vital for every business. It can also build a competitive edge over your competitors. High employee turnover can increase expenses and have a negative effect on the morale of the company. 

Related: 20 Secrets to Living a Happier Life

Create regular content for your website

Growing your business online is very important. Keeping your website updated with blogs and other content to keep your consumers engaged is key. You can write updates about current and upcoming products or share tips and tricks about the products. Posting on your website often is a great way to show the liveliness and visibility of your and to boost SEO. Everything posted on your site can be linked back to all , increasing website traffic. Additionally, your customers can share these posts to reach a greater

Put yourself out there

Holidays are also an ample opportunity to get PR coverage for your business. Halloween in particular is a great instance where you can take your typical marketing strategies and put a spooky spin on them. Media outlets are also constantly looking for angles and stories to share around this time of year, so take the time to do a PR campaign about your company, Halloween promotion or business accomplishments to make sure that the company is getting the attention it deserves.

Related: 10 Ways to Get Global PR Exposure

Focus on your niche

It is often cliche to state quality over quantity. However, when your business is growing this is something you should take into effect. Consumers want products and services that are high quality, and focusing on your market can help with this. It is important to remember that although you have a target, this is not necessarily your only market. Other opportunities will arise as your business grows. 

Great customer service

You could have the best product or service, but if you have bad customer service it means nothing. Creating high customer satisfaction is key to a successful business. Show your consumers that they are valued, and if they have any issues ensure that they are addressed quickly. With more businesses selling online, it is increasingly important that buyers feel wanted. After all, they provide a strong foundation for your business, because they’re your advocates who will help you convert future consumers. 

Related: Handling the Curveballs of Customer Support

Always innovate

Growth is great, but it can also cause complacency. There’s always room to improve. Strive to improve your products, services or business model. Although you might be a successful small business today, there are always competitors around to disturb you. Being innovative and keeping up with technology and trends will be key to the success of your business. 

Running an organization can be very complex, and to stay relevant it is important that you continue to redefine yourself and be ahead of your competition. Implementing these tricks outlined above will help your business bring in some treats for Halloween and beyond.

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Panoply raises $10M for its cloud data platform

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Panoply, a platform that makes it easier for businesses to set up a data warehouse and analyze that data with standard SQL queries, today announced that it has raised an additional $10 million in funding from Ibex Investors and C5 Capital. This brings the total funding in the San Francisco- and Tel Aviv-based company to $24 million.

The company, which launched back in 2015, has mostly stuck to its original vision, which was always about democratizing access to data warehousing and the analytics capabilities that go hand-in-hand with that. Over the last few years, it also built more code-free data integrations into the platform that make it easier for businesses to pull in data from a wide variety of sources, including the likes of Salesforce, HubSpot, NetSuite, Xero, Quickbooks, Freshworks and others. It also integrates with other data warehousing services like Google’s BigQuery and Amazon’s Redshift and all of the major BI and analytics tools.

The company says it will use the new funding to expand its sales and marketing efforts.

“We aspire to make analysts’ lives simpler and more productive by making it easier for them to sync, store, and access their data, and this funding will go a long way toward that mission,” says CEO and co-founder Yaniv Leven in today’s announcement.

In some ways, Panoply was maybe just a bit early to the market. Today, though, there can be little doubt that we’re in a booming market for data warehousing and analytics services. There’s nary a business left, after all, that isn’t looking to gain more insights from the copious amounts of data they gather every single day now. That market is now more competitive than ever, too, with incumbents like Snowflake, Databricks and others (including all of the hyper clouds) all aiming for their slice of the market. Panoply and its investors clearly believe that the company’s all-in-one platform gives it a competitive edge, though.

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There is water on the Moon! NASA announces discovery

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This finding would indicate that water can be distributed over the entire lunar surface, not just on the hidden and cold side, as previously believed.

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October 27, 2020 3 min read

This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

The SOFIA observatory NASA announced the detection of molecules of water (H2O) in the crater Clavius, one of the largest of the Moon, located in the south of the visible side of the natural satellite hemisphere.

This finding would indicate that water can be distributed over the entire lunar surface, not just on the hidden and cold side, as previously believed. Hydrogen had previously been detected, but until now scientists had not been able to distinguish between water and its chemical relative, hydroxyl (OH).

According to the report in the journal Nature Astronomy , concentrations of 100 to 412 parts per million were found, the equivalent of a third of a one-liter bottle of water. This water was trapped in a cubic meter of soil scattered on the lunar surface.

“We had indications that H2O, the familiar water we know, might be present on the sunlit side of the Moon,” said Paul Hertz, director of the Division of Astrophysics in the Science Mission Directorate at NASA Headquarters. in Washington.

“Now we know it’s there. This discovery challenges our understanding of the lunar surface and raises interesting questions about resources relevant to deep space exploration. “

However, this does not mean that you will be able to go drinking from a selenite source in the near future. SOFIA notes that this concentration of water is really small. To give us an idea, the Sahara desert has 100 times more water than what was detected on the Moon.

This discovery is instrumental for space exploration because it raises questions about how water is created and why it does not escape the satellite without an atmosphere. However, these doubts, this finding could help NASA’s Artemis Program back to the Moon.

One final disturbing question: For decades it has been believed that water is the fundamental ingredient for the development of life. So what might the presence of H2O suggest in our closest space companion?

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