Manage Visual Studio Subscriptions Keeping Stock Market Performance in Perspective

The stock market has enjoyed an extended period of strong performance that dates back to the end of the last bear market in early 2009. While stock market performance can be measured in a myriad of ways, it’s the Dow Jones Industrial Average that has surpassed several one thousand point milestones so far in 2017: The Dow first topped the 20,000 mark on January 25, before passing the 21,000 level just over a month later. Then in early August, it broke through the 22,000 mark. As August ended, the seemingly smooth sailing market rally hit a few bumps. While no one can predict the future, market strategists and analysts are suggesting that we could see some additional market volatility in the months ahead. So how do investors keep all of this in perspective while trying to manage their portfolios? Here are three points to keep in mind as you follow the stock market:1. The real value of each underlying move in the Dow index diminishes as the market rises


While the Dow Jones average is often used to provide a general reading on the state of the market, the index includes the 30 largest company stocks. When the Dow Jones Industrial Average climbs higher, the actual impact of each change in its price is reduced. For example, when the Dow broke through the 2,000 barrier in January 1987, it marked a notable 100 percent increase from the 1,000 level first reached nearly 15 years earlier. By contrast, when the Dow moved 1,000 points to reach 22,000 between March and August of this year, it represented just a 4.5 percent increase.The same perspective applies to day-to-day market moves. The stock market makes headlines when the Dow Jones average moves up or down 100 points in a day. 20 years ago, when the Dow stood at about 8,000, a 100-point move in the market represented a 1.25 percent change in value. Today, a 100-point move is equivalent to less than a half-percent change. In short, 100 points in the Dow Jones Industrial Average doesn’t mean what it used to.2. Markets can retreat from record levelsJust as stock markets can rise, history shows they can fall as well. In the spring of 1999, the index reached the 11,000 mark. It moved higher for a few more months before a severe bear market occurred. The Dow dropped to 7,286 in 2002 before returning to the 11,000 level in 2006. Similarly, the market topped 14,000 in 2007 just before the start of another severe bear market. It fell and did not reach that level again until early 2013.No one can guarantee what will happen to stocks over the next week, month or year. Stock markets are unpredictable in the short-term, as fluctuations are part of the market’s behavior over time. Price swings are a reality for stock investors, but over time, stocks historically have recovered.3. Indexes may not be representative of your portfolio


While indexes often generate headlines, their performance may not be an appropriate reflection of your own portfolio. Emotions run high when there are market swings, but don’t let fear get the best of you. Stock market swings can act as a reminder to review your financial position, making sure that your asset mix matches your long-term goals. Remember that the most important factors of your investment success are your goals, the time you have to invest, your risk tolerance, and your commitment to save.Reacting to the stock market or speculation about events that may happen in the future might make for interesting dinner conversation, but remember that it’s not a proven investing strategy.If you’d like help aligning your financial plan with your feelings on the stock market, consider working with a financial advisor you trust. A financial professional can provide an objective perspective and help you stay focused on your financial goals.

6 Tips To Find A Good Purchasing Agent

Are you looking for a good purchasing agent for your business? If so, you should know that many of the agents may not be qualified. You need to keep in mind that purchasing agents play a great role as far as international trade is concerned. They act like a bridge between buyers and sellers. If you want to choose a good sourcing or purchasing agent, we suggest that you follow the tips given below.

1. Language

The agent you are going to hire should have good command of the language spoken in the target country. This includes both written and spoken English and other languages. You know that language plays a great role in communication between business owners around the globe. Therefore, a good command over the desired language is a quality that your agent should have. If the professional is not well versed in the language that is spoken in that country, how can they be able to talk to the sellers in that country? They won’t be able to communicate and bargain well, which will increase their chance of getting ripped off.

2. Good morality

Your desired agent should know how to behave and protect the interests of foreign buyers in the target country. They should not take you to the scammers in the target country. Aside from this, they should be true to their words. In other words, they should have a high standard of morality. If you know that an agent asks for commission from both the buyer and the seller, you should stay away from them and look for some other agent. A good purchasing agent will never indulge in such acts.

3. Knowledge of import and export

A good sourcing agent should have good relationship with local authorities of the target country. They should be familiar with the policies of that country regarding import and export. Moreover, they should be familiar with the regulations related to import and export, which is very important to avoid lawsuits.

4. Purchasing methods

Your purchasing agent should know how to source or buy different items without killing a lot of time. They should know the best markets where your desired products can be purchased. Aside from this, they should know how they could get the best prices. And if you get a product at the lowest price, you can make the highest profit.

5. Familiarity with the product or industry

The agent should be familiar with the product or service you are interested in. For instance, if you want to buy ductile iron castings, we suggest that you look for an agent who is familiar with these products. There is no doubt that this field has certain terms and they should be familiar with these terms.

6. Knowledge of the international laws

Your sourcing agent should be familiar with international laws and other practices, such as quota issues, anti-dumping issues, tax issues and certification issues, to name a few.