Finance Agreements

When contemplating ownership of apartments or real estate in Rio de Janeiro there are several things to take into consideration. As with any purchase a great deal of research should be done about properties that are for sale. One major thing to consider that people often forget about is transportation. How will you get around? Though sometimes this is easy to forget, it is certainly something that should be thought about before you are closing deals on penthouse apartments in Copacabana or Ipanema.

So to begin with, what are your alternatives as far as transportation? In Rio de Janeiro there are many. The choices could include car, bus, taxi, subway and in some cases boats. Obviously, your methods of transportation will be dictated by your financial situation as well as comfort. If you live in the south zone (Ipanema, Copacabana, etc.) then the subway is a very prompt and cost effective option.

Nonetheless if you live in Barra da Tijuca or even Recreio you will have to look at other choices, since a subway won’t be completed to these parts for quite a while. Having a car is necessary in these regions. Though cars tend to be costly, it may be possible to find a good deal on a used car that is for sale. Otherwise you can be travelling with the masses by bus. It should also be mentioned that even with a car, travel from Barra to other parts of Rio de Janeiro can be challenging, especially during rush hour traffic. This is absolutely something to make a note if you are looking into real estate in these spots.

Should you be looking to purchase apartments in a place such as Niteroi a car may not be necessary due to the availableness of the ferryboat. This will help you be at the city center in 15 minutes. Again, this a great cost effective method of travel. Though Niteroi is just outside of Rio, the lower costs could make this an desirable option. Though it’s not going to be like having a penthouse in the south zone, it’s a more cost effective option.

Whatever your choice ends up being, it’s important to review all of your alternatives as well as understand the traffic conditions while looking into real estate that is for sale. You’re not just planning to travel here for a vacation or a holiday. You want to live here. In the long run this will save some headaches.

Rio de Janeiro Properties is a rentals organization in Brazil that can provide you with a superior apartment in ipanema. Stay away from the very modest copacabana hotel room and choose for an apartment rental.

Historical price analysis suggests Sauternes and Barsac represent the best value fine wines in Bordeaux today by 500%!

How can I make such a bold claim? Well I’ve been an Englishman in Bordeaux working as a negociant since the early 1980s and I’ve kept detailed records of every wine I’ve ever bought, mostly on an old fashioned card index system, throughout this time. I recently looked back through my records and found some fascinating figures.

To prove my point that Sauternes represents great value compared to the red wines of Bordeaux I have looked at prices for two fantasy mixed cases over time.

In my fantasy red case I imagined popping along to the following chateaux and buying at their first release price just one bottle each of: Calon Segur, Cos d’Estournel, Ducru-Beaucaillou, Haut Bailly, d’Issan, Lafite-Rothschild, Leoville-Barton, Lynch Bages, Mouton-Rothschild, Pape Clement, Pavie and Pontet-Canet. A nice mix of First, Second, Third and Fifth Growth wines from across the Medoc with a Premier Grand Cru St Emilion and some Grand Cru Pessac-Leognan.

For my Sauternes case there are nine Sauternes and three Barsac wines: d’Arche, Climens, Doisy Daene, Filhot, Guiraud, de Malle, Nairac, de Rayne Vigneau, Rieussec, Sigalas Rabaud, Suduiraut and La Tour Blanche.

The figures below are the average bottle prices for the two cases for selected vintages between 1983 (my first Sauternes vintage) and last year. All prices pre-1992 are converted from the old French Franc to Euros at the changeover rate of 6.56.

Red Wines

1983 – 12.06 Euros, Vintage Ratings (Robert Parker) – 86 (Medoc), 89 (St Emilion & Pessac-Leognan)

1986 – 14.30 Euros, Ratings – 94 (Medoc), 89 (Pessac-Leognan), 88 (St Emilion)

1990 – 15.23 Euros, Ratings – 98 (Medoc & St Emilion), 90 (Pessac-Leognan)

1995 – 17.25 Euros, Ratings – 92 (Medoc), 89 (Pessac-Leognan), 88 (St Emilion)

2000 – 51.90 Euros, Ratings – 97 (Pessac-Leognan), 96 (Medoc & St Emilion)

2005 – 104.58 Euros, Ratings – 99 (St Emilion), 96 (Pessac-Leognan), 95 (Medoc)

2009 – 147.92 Euros, Ratings – 99 (Medoc), 98 (Pessac-Leognan), 93 (St Emilion)

Sauternes

1983 – 7.70 Euros, Rating – 88

1986 – 11.60 Euros, Rating – 94

1990 – 16.41 Euros, Rating – 98

1995 – 14.11 Euros, Rating – 85

2000 – 21.04 Euros, Rating – 88

2005 – 26.15 Euros, Rating – 96

2009 – 29.63 Euros, Rating – n/a (but likely to be 98+)

Initially there is a correlation between Sauternes and red wine prices. In 2000, however, the prices for red wines increased dramatically while Sauternes had a relatively poor vintage and missed out on the rise. The pattern since has been one of continued speculation for red wines compared to Sauternes, even when there is a good vintage for both.

We are now therefore in a situation where our case of Sauternes (which was slightly more expensive than our case of reds in 1990 when both vintages scored 98 points with Robert Parker) costs roughly five times less than our case of reds in 2009 (another 98 point vintage for both the reds and Sauternes).

Put another way the conclusion is that Sauternes and Barsac are the best value fine wines in Bordeaux by 500%!

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Mathematical statistics and the measure of volatility is a good discipline used for Online Investing. These measures of investments are example concepts that have a tendency to intimidate average investors. Standard deviation based on the rate of return of an investment is a measure of the volatility of the investment and is a good representation of risk found in stocks and options. If you look in the Wikipedia article about Karl Pearson, Fellow of the Royal Society, it tells how he established the discipline of mathematical statistics. Karl Pearson first used the term “Standard Deviation” in writing in 1894 subsequent its use in his lectures. Standard Deviation is quite crucial in financial issues.

To begin with, a large standard deviation indicates that the data points are considerably from the mean and a modest standard deviation indicates that the data points are clustered a lot nearer to the mean. Considering your investments, standard deviation serves as a measure of uncertainty. The reported standard deviation of a group of repeated measurements should give the precision of individual measurements.

When deciding whether measurements agree with a theoretical prediction the standard deviation of those measurements is of critical importance. There is practical value to be gained when online investing by understanding the standard deviation of a set of values and in appreciating how much variation there is from the average (mean) of stocks, options or the market indices.

Great representations of the extreme risks associated with an offered security such as a stock, option or even a portfolio of securities are given by standard deviation. Proper management of an investment portfolio requires a great understanding of the risks inherent with those portfolios. As a determining factor, risk affects the variations on the returns of the portfolio and gives investors a mathematical foundation for investment choices regarded as mean-variance optimization. Just as risk will increase, the expected return on your portfolio will improve and the unknowns of the return will also boost. Standard Deviation provides a quantified estimate of the uncertainty involved with return on investments.

Investors need to place a great deal of importance on using standard deviation when we make trading decisions. When online investing with options it is even more paramount that the investor understands and is able to make proper use of tools such as standard deviation and Bollinger Bands. This is especially true since options involve risks that are not suitable to all investors.

For example, if we are looking for a stock to write a covered call on we will look for a stock with a low standard deviation history. If we are looking to buy puts then we will seek a stock with a high standard deviation. The larger the variance in standard deviation, the larger the risk the security will have. Many technical analysts prefer to use an analysis tool called “Bollinger Bands” which were invented by John Bollinger. This tool is used to measure the highness and lowness of price relative to previous trades in the industry.

These important Bollinger Bands are made up of a middle band being an N-period (usually the simple moving average), an upper band at K times an N-period standard deviation above the middle band, and a lower band at K times an N-period standard deviation under the middle band, where N and K are normally 20 and 2 respectively. Being of vital importance, Bollinger Bands are helpful in recognizing patterns and comparing price actions of stocks and therefore are really helpful for creating systematic trading choices. Being used with other tools and data, Bollinger Bands are proficient management tools that have a practical use of standard deviation with online investing.

Wall street considers standard deviation a common concept that all traders need to use regularly. If you are a beginning investor then please consider starting with a complete understanding of these and other investment tools and concepts.

Being on the safe side of trading, let’s suppose that all traders are at a great loss for education when it comes to both stocks and options. For that reason, one might consider an easy preventive measure by investors that desires to be successful with online investing. That measure is to start off your trading with FREE VIRTUAL STOCK TRADING to stay away from shedding any dollars at all until you are at ease with your knowledge stage.

To Your Best Online Investing!

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