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Adding to our previous discussion around the benefits that volatility generates for dollar cost averaging strategies, we now consider whether those benefits can be exploited by the fully invested. Again, the excess returns come from the fact that DCA exploits the “buy more low” and “buy less high” aspect of fixed-dollar investments, and are enhanced by additional volatility.

So, are the benefits derived from DCA exclusively available to those making bi-weekly allocations? Good news, the answer is no. In fact, every investor who is already fully invested can structure their portfolio approach so as to gain additional benefits from volatility over time – just like DCA. This is achieved by executing a strategy of “intra-portfolio dollar cost averaging”.

Traditional DCA takes new cash flows and buys more of relatively cheap assets and less of relatively expensive assets. For investors who are not adding meaningful additional cash flows to their portfolio (those with the most significant account sizes), a comparable strategy can add additional returns in excess of what the underlying investments in their portfolios will generate.

By systematically buying relatively cheap assets with proceeds derived from selling relatively expensive assets, a fully invested portfolio can generate additional gains over time. The same concept as dollar cost averaging applies, as investors will improve the average price of their investments over time, and ultimately earn more than the sum of the portfolio’s parts. It is also true that increased volatility can enhance those excess returns. This argument applies even a step further, in that intra-portfolio dollar cost averaging is the only way a fully invested portfolio can earn more than the sum of its parts.

Another less technical term for intra-portfolio dollar cost averaging is ‘rebalancing’. Unfortunately, rather than being exploited, rebalancing is typically an afterthought, and is rarely considered a domain to which you can apply a systematic process and generate additional returns. When executed with a system that goes beyond the basic “time” and “over/underweight” parameters to one that exploits volatility like its DCA brethren, rebalancing can be an extremely powerful portfolio tool.

Considering all of the effort that goes into generating investment selection alpha (or ‘fee reduction alpha’ for the passive strategists among us), it seems worthwhile to consider other areas of potential gain that have gone unexploited for so long. Adding a process to rebalancing can help improve outcomes for clients, without sacrificing the work done in investment selection.

The act of investment is at its cornerstone, gambling. I might add so is life! We make choices, whether to smoke or not, engage in dangerous sports, gamble on marriage, even choosing friends. Investing for gain, is a parallel. A best guess of the future. What criterion should we use to tip the scales in our favor?

The people are important! The issuers or advisors of the offering, as well as the management personnel of the business we are investing in. Usually, we are advised by a person we went to school with, maybe a trusted family friend or contact we have known who is reliable. In this “new investment” market we are somewhat vulnerable. With internet and high-speed communication opportunities are here now, but gone tomorrow, the pace is frightening. The new investment market is world-wide, making investment friends needs be almost a “warlike” exercise. We have to make fast friends to survive, and prosper. When everybody says “do it now”, instead slow down! Make your first determination based on the people involved. No right-minded advisor should assume you are going to invest immediately. I would like you to have conversations, see some correspondence, understand the mindset and goals, before investing.

Understand the investment. Do not take assurances from those who proposed to be competent. Make sure you understand. Ask questions specifically and repeatedly. Will all questions be answered affirmatively? Probably not. There are certain generic risks, both in time frame and yield spread, everyone in an investment should be conscience of. Inability to satisfy questions will not necessarily dis-qualify the investment opportunity. Personal determination, sometimes a forgotten item these days, will benefit you.

Controlling your investments means knowing your investment pace. How long is your investment time frame? Are we seeking the long-term accrual retirement income or short-term monthly income stream? Anything over 10 years is long-term investment. We should be conscience of interest rate variables, time vs. money decay should be adjusted and thought out. As we sort out our personal investment agenda, we turn our thought to the prospects which we can invest in. Not all good or great investments are suitable to each investor. If you have college tuition to be prepared for in two years, a five-year investment overlapping this event will not be advantageous. I would not assume I could borrow or sell this investment on suitable terms to accomplish this. With work, wide variety of investments can mitigate these issues. This can be long-term growth stocks, bonds, short-term equities, or C.D.’s, or whatever tickles your fancy. Unfortunately, investing in the right securities is just like work, It might be tedious. Your money will go out and reproduce itself, but it will need guidance from you!

Learning about mobile marketing can be very overwhelming, but just like anything else, it can also be very easily researched, learned, and applied. Now that you have found this list of tips, hopefully, you can come out a little more informed, so that you can refine your plan and become a great marketer.

Enhance your text messages with other forms of communication. Make use of multi-channel marketing. One form communication isn’t enough for today’s audience. Each style of communication has its own set of pros and cons. This is why it is best to use more than one. Try sending direct mail, e-mail and a text right before something important happens.

Only add telephone numbers from customers choosing to receive messages to build your database carefully. If you add telephone numbers of customers who have not elected to receive marketing messages, you are likely to see a high volume of complaints and requests to be removed from your list.

Understand that mobile marketing is necessary for your business. You need to have a direct method of communication with your customers, and this is an immediate way to do it. This is also a great way to truly understand what your customers are interested in, and how to cater to that.

Shop around for different companies. Mobile marketing companies all differ in their styles and methods. Finding the one that is best for your business and your customers can be as simple as visiting their websites. Never settle for the first one you find without checking out what the other companies may have to offer.

Be sure that you understand that a mobile site is not just a scaled-down version of your business, but it’s actually a summarized version. Many mobile marketers make the mistake of attempting to scale down their entire business and ultimately end up losing customers. You do not need to create two separate businesses here.

There’s no reason in the world why older media cannot make its way into your new marketing campaign. You’ll just have to rethink how this material is being presented to your customers. You’ll definitely have to think about streamlining it and making it shorter and a lot more poignant.

Because users will be viewing them on small screens, mobile advertising messages need to be brief, clear and express urgency. Every ad should focus on a call to action that tells the market to do something. Forgetting to include a call to action in your mobile advertising messages is a common mistake that beginners often make.

Make sure that any mobile apps your company releases deliver a service your customers want. If your app is something dumb or just duplicate information that could be found on your website, it’s just going to languish on the app store, unloved.

Like any other subject, the world of mobile marketing is vast and has a wealth of information available on it. Sometimes, you just need a little hint as to where to begin, so that you can get started. Hopefully, you have received that from the above tips.

1. Stop Sending So Many Emails

Sometimes it’s much better to handle something in person or over the phone than using email. You should learn how to recognize such situations otherwise you may find yourself buried under replies to your emails. Generally, email is great for communicating well-formulated messages that require, at most, a simple confirmation. It’s much less suitable for extended group conversations where multiple participants share their thoughts with others.

2. Start Reading Your Emails Regularly

We know that the last thing you want to do before or after work is read work-related emails, but that’s how things have to be if you want to become an efficient email organizer. Depending on how many emails you receive every day, it may take just a couple of days or even hours for your inbox to start overflowing with new, unread emails. By reading your emails regularly, you ensure that the situation never gets too out of hand.

3. Start Checking Your Emails Throughout the Day

There’s no excuse for not owning a smartphone these days. Regardless of which email service you use, there’s a way how to make it work on all major mobile operating systems. Having your email on the phone allows you to easily read new emails throughout the day, which can drastically reduce the length of your scheduled email-reading sessions, the importance of which we’ve described in the previous chapter.

4. Start Using an Email Client

Web-based email services are great because you can conveniently access them from anywhere, even when far away from your own personal computer. But even the best web-based user interface can’t rival the features and convenience of dedicated email clients such as Outlook or Mailbird. Email clients are faster, can display emails from multiple email services in a single window, support keyboard shortcuts, come with powerful spellchecking capabilities, and are available for all operating systems and devices.

We’ve already mentioned Outlook and Mailbird, which are arguably the most popular email clients for Windows, but there’s also Airmail, an email client for iPhone and macOS by Italian company Bloop SRL, Postbox, a desktop email client and feed reader for Windows and macOS written and sold by Postbox, Inc., or Mozilla Thunderbird, a free and open-source cross-platform email client developed by the Mozilla Foundation, just to name a few available options.

5. Stop Subscribing to Newsletters

Websites and companies love email newsletters because they allow them to maintain engagement and sell products with minimal effort. While some newsletters are clearly valuable, most, sooner or later, end up being ignored. You may think that it’s no big deal to subscribe to a newsletter-after all, you can always unsubscribe later-but experience tells us that things tend to become unmanageable much quicker than it initially seems. We recommend you stop subscribing to all newsletters as a rule of thumb and use other communication channels instead to receive information from websites and companies, such as social media networks or RSS.

6. Start Using Multiple Mailboxes

Why have just one mailbox for everything when you can have several and use a different one for each of the things you do. You can start, for example, with one mailbox for work-related emails and one mailbox for personal emails. Some people like to take things further and use a privacy-oriented email service such as ProtonMail for potentially sensitive personal communication and a free and convenient email service such as Gmail for web services and online shopping. Another advantage of this approach comes in the form of better security. Having some degree of separation between various activities minimizes the impact of an email breach and gives malicious hackers less information to work with.

We know for a fact that spam accounts for 45 percent of all emails sent. We also know that about 14.5 billion spam emails are sent every single day, many being some form of advertising. To say that spam emails lead to a productivity loss would be an understatement.

Why is eye care important? The words of Jesus in Matthew 13:16 states, “Blessed are your eyes, because they see.”. Blessed! It is good fortune to possess eyes that are healthy and free from any eye condition like age-related macular degeneration (AMD)

AMD is a popular eye disease that affects the central part of the retina resulting in the distortion or loss of vision. Smokers, people with high blood pressure and those in their golden years are at risk in developing this condition. So it’s best to start your eye care now by having a healthy balanced diet.

In Genesis 1:29, God said, “Look! I have given you every seed-bearing plant throughout the earth and all the fruit trees for your food.” and verse 31 reads, “God looked at what he had done. All of it was very good!”

The Scripture, whether you believe it or not, informs that fresh fruits and vegetables are good for one’s health. Vitamins A, C and E found in fresh fruits and green leafy vegetables are essentials for eye nutrition. Vitamin A is good for the cornea, Vitamin C helps the capillaries in the retina to be healthy and Vitamin E helps protect eye cells from damages caused by free radicals.

Copper and zinc are essentials for eye nutrition too. Copper-rich foods like whole wheat cereals and oysters are necessary for the development of proper eye structure. While consumption of seafood, eggs and tofu give off zinc which helps in absorbing nutrients, and eliminating the wastes.

Omega-3 fatty acids from salmon and tuna are also good for the eyes. It helps in reducing the risk of developing macular degeneration and blocks other eye diseases like the dry eye syndrome.

Eye nutrition is also about what not to eat. Some foods you should not eat for eye care purposes are processed meat and ready-to-eat foods because of their high-sodium content which contributes to hypertension that may lead to macular degeneration. Fried foods, especially those fried in trans fat, raise the level of bad cholesterol in the body which may cause different eye diseases.

Note that you need to hydrate yourself, but beverages like sugary drinks, alcohol and caffeine are not eye nutrition essentials. Avoid any of these if you can, or at least drink in moderation. Remember that the best way to hydrate yourself is by drinking water.

Aside from a healthy diet, there is regular exercise, adequate rest, a healthy body weight, quitting smoking, using appropriate eye wear and having your eyes checked by a doctor. All these are part of proper eye care.

When you eat healthy, exercise regularly, and are properly rested, you are most likely to achieve a healthy body weight. This results in a controlled blood pressure, controlled cholesterol level, and low risk of getting diabetes which translates to low risk of acquiring vision problems.

Eye care also involves making sure your hands are clean when handling your contact lenses. Wear eyeglasses when exposed to the sun and use appropriate protective eyewear to prevent getting eye injuries.

It’s important to have your eyes checked by an eye specialist at least once a year. In the event you find out you have any eye condition, learn about the risk factors and possible treatment. Some eye diseases can not be cured once you have it, no matter how strict you follow a diet for eye nutrition, the condition may be irreversible.