Investing is the means to build wealth and generate income by investing money in resources that are expected to generate financial benefits. Resources such as shares, bonds, real estate and cash. According to the world’s richest investor Warren Buffett, investing is for beginners in a nutshell; “investing now means giving up consumption to have the opportunity to consume more at a later date”.
So as an investor, you put money aside for later study, a trip around the world or a pension supplement, also you need to make sure that you choose the right online broker in Espana if you are in Europe. So the first question is whether you can put money aside now and whether you are willing to consume less now? At first we didn’t have that much money left, but it turned out to be quite easy to save a lot of money on car insurance, energy, phone calls, mortgages and groceries, among other things.
What is index investing?
John Bogle is the founder of index investing. In his thesis from 1951, he already claimed that investment funds could not claim superior returns compared to the market average. The principle of index investing is to buy a basket of tens or even hundreds of shares and keep them for years, eliminate advisory costs and minimize operational costs. Meanwhile, the market for index funds / ETFs has developed strongly and there are thousands of trackers or ETFs (exchange traded funds) that allow you to invest at low cost in an index such as the S&P 500, a basket of 500 of the largest U.S. companies such as Microsoft, Apple and Exxon Mobil. These ETFs or trackers are traded on stock exchanges such as Euronext Amsterdam and you can buy these shares via brokers such as DEGIRO or your own bank. For example, you have ETFs World, Europe and USA. According to Warren Buffett, index investing at ultra low costs is the investment innovation of recent decades and John Bogle deserves a statue.
Why should (almost) everyone have to buy index funds?
- Why index investing? Because most asset managers and investment funds fail to outperform the market (index). And we want the highest possible compound returns. So it is better to invest directly in an index at ultra low cost.
- From 1985 to 2015, the S&P 500 index had an annual return of 11.2%. The average equity investment fund return was 9.6%. That seems a small difference, but saves 946% return! ($94,600 difference on an investment of $10,000 in 1985).
Return investment funds versus index investments
According to Morningstar, an active investment fund charges an average of 1.1% in costs. The Vanguard S&P 500 ETF only charges 0.07%. Active investors must therefore perform significantly better than the market in order to ultimately achieve a higher return than the market. There is quite some research involved, but luckily a lot of online brokers in Italy have done the work for you.
- The S&P 500 is the leading US index and comparable to our Dutch AEX index. However, the AEX index consists of 25 listed companies, the S&P 500 of more than 500. In this way, you spread the risks more than with the AEX and historically, the highest returns are achieved in the US. More about that later.
- SPIVA keeps track of how investment funds perform in relation to the market. This is measured by baskets of shares (indices such as the S&P 500). It turns out that most professional investors do not succeed in outperforming the index in the long term. Over a period of 15 years, 2% to 16% of funds manage to outperform the index. In Europe, the picture is not much better.
Why look for the pin in the haystack when you can buy the entire haystack at low cost?
There are many ways to invest your money, but there are only three investment categories to choose from. It is important that you understand the characteristics of each category.
- Investments in interest-bearing assets
- Beginning ‘investors’ start saving money in a savings account. Investments in interest-bearing assets such as savings accounts, bank deposits, bonds and government bonds have a low, but relatively certain return.
- Investors receive interest and in some cases benefit from price gains. These investments are seen by the market as safe investments because the prices do not fluctuate very much and the chance of losing money is small. This makes savings accounts and bonds popular. Although the chance of losing money on savings accounts and bonds is small, it does not always mean that the purchasing power of your money is maintained.
In the Netherlands there are about ten online brokers to choose from. Are you considering investing, because saving doesn’t yield enough return? In three quarters of the investors who invest for 3 years or less, the low interest rate on savings products has played a large/transient role in starting to invest (76%). This is significantly more than a year ago (Q1 2018: 61%, source: AFM Consumer Monitor). Below you will find information for beginning investors. After all, it would be a shame if you lose your savings due to an incorrectly estimated investment.
Choose a form of investment
There are various forms of investment available. Take a look at the possibilities below.
With this form of investment you compose your own portfolio and invest in shares and/or bonds. According to the AFM Consumer Monitor, this is the most popular form of investment in the Netherlands. Independent investors opt for execution only because they believe they can make good choices themselves. Cost considerations are particularly important for this group of investors. Popular providers are DEGIRO because of its extremely low rates and BinckBank because of its user-friendly platform and €200 free transaction credit.
With investment funds, you buy shares or bonds in a fund. The money invested by you and other investors is invested by a manager. Confidence in an investment advisor is the main reason for investors who choose this form of investment. Popular investment funds are Binck Fundcoach and CORUM Vastgoedfondsen.
As with investment funds, you outsource the management of your assets to a professional investor. The only difference with the form of investment funds is that in this case the asset manager also maintains personal contact with you. Insufficient knowledge of investment plays the most important role in choosing this form of investment by investors. At Binck Comfort there is the comfort of active attention to capital growth and risk limitation if you are in Marihuana aandelen in Netherlands. Investors can invest as little as €5,000.
What does investing cost?
Before you start investing, find out what a certain product costs. Because, investing is not free. There are always certain costs involved. For example, you often have to deal with transaction costs, but there may also be management and administration costs. Especially if you choose to invest in an investment fund. So keep that in mind? Because the costs of investing in an investment fund can have a significant impact on your return.
What is your knowledge of investing?
If you are going to invest yourself, you must have some knowledge of financial markets and investments. It is important that you are able to analyze investments and stay informed about social developments.
How much time do you have available?
Investing does not have to take up a lot of time. The fund investor can put together a portfolio with relatively little effort and time. If you invest yourself, you obviously need to free up some time to delve into the subject matter.
This is the first advice mentioned as it is also the most important. Even though your school may not require you to have a plan until the day of school, it is never a good idea to delay too long on something as important as health insurance. It is best to start looking for a good policy in time, even before you leave your home country, which guarantees coverage from the moment you arrive at your destination. One of the best ways to make sure that you choose the right plan is to use a website for zorgverzekeringen vergelijken in The Netherlands, this will save you money and will help you with choosing the best plans for a student.
Buy a plan that meets your visa requirements
Many places in the world (such as the United States) have health insurance requirements that you are required to meet to enter the country, depending on your visa. Students on an F1 visa do not have to follow federal regulations, and instead must follow the guidelines given by their institution. J1 visa holders, on the other hand, must comply with a strict list of government mandates, including repatriation and evacuation coverage along with minimum certified periods of validity.
Don’t forget your school’s requirements
Your school is aware that not all insurance plans are the same. Because of this, many schools have created an insurance waiver form, listing the requirements that an international student’s plan must have in order to be considered comparable.
- Since schools rarely make exceptions to these requirements, it is important to find a plan that meets your waiver and purchase it before the deadline. You can find your school’s insurance requirements by contacting the international affairs office or doing a quick search of our school insurance requirements database.
Find out if you need a waiver form
Tip: To save yourself a headache, contact a certified insurance agent to understand your every requirement before purchasing a plan for an autoverzekering.
Some schools require not only that you purchase an international health insurance plan, but that your insurance company completes an insurance waiver form (also known as a Compliance Form) to show that you have adequate coverage before you register for classes. After you make your purchase, simply fill out the student portion of the form and send it to your insurance company so they can complete it. From there, the company will complete the rest of the form, sign at the end and then email or fax a copy directly to the school.
Verify your eligibility
Each health plan has certain criteria that must be met in order to qualify. International student insurance options require a valid student visa, but will not require internal information such as a social security number. Sometimes these plans require you to attend school for a certain number of hours per week in order to remain eligible, so make sure you meet each plan’s eligibility requirements before you buy.
Video gaming has consistently been a serious game. Arcade boxes prior had their pixelated high score outlines, and each child needed to be the one with the top scores in his area. With the web blast and the arrival of famous first individual shooter games like Doom and Counter Strike, players from everywhere the world started to meet up. In 1997, one of the primary e-sports associations, Cyberathelete Professional League was set up. From that point forward the gaming scene has jumped forward to web based gaming and streaming. Let us investigate the wonder.
The Rise of Online Gaming and Streaming
In the previous forty years, web based gaming has gotten one of the world’s greatest media outlets. As per reports from PricewaterhouseCoopers, the worldwide internet gaming industry in 2010 was worth around $56 billion! This is greater than both the magazine or the music business and around 66% the entertainment world’s size. As per a 2011 report by Entertainment Software Association, the normal age of a gamer in the United States is 37 and 42 percent of these gamers are female.
Probably the greatest pattern today, in live streaming isn’t music (as you may have recently accepted), yet serious gaming. e-sports today, draws in a huge number of watchers. Various destinations today, providing food explicitly to gamers and their fans stream e-sport occasions. A few e-sport sites have detonated everywhere on the web as live webcasts take serious video gaming to a totally new level, changing it into a game that is seen by millions from one which was restricted to simply insiders.
Computer game Streaming: The Big Players
Among the large parts in computer game streaming today are Own3D.tv and TwitchTV. Own3D.tv started online computer game gushing in 2010, and as of now, the site gets more than 4,000,000 novel watchers a month for computer game live streams. In March 2011, Electronic Sports League (ESL), the world’s biggest gaming class, communicated the Intel Extreme Masters occasion, which is among the most well known gaming competitions of the year, through Own3D. With $400,000 as prize cash, the gaming competition drew 75,000 concurrent live watchers on single occasion days, while the general crowd arrived at a few million gamers. June 2011 saw more than 200,000 simultaneous watchers viewing a Dreamhack challenge (which is based around League of Legends, another well known game) on Own3D, with around 250 GBps of traffic through the occasion.
Also, live video web based merchant Justin.tv saw e-sports video real time develop at such a fast rate that they devoted a whole site to it. In June 2011, they dispatched TwitchTV after computer game streaming stretched around 3.2million month to month exceptional perspectives on its primary site. TwitchTV now draws in more than 12 million exceptional watchers every month. Additionally it has had a consistent month over month development pace of 11 percent since it was dispatched. Other than that, TwitchTV has more than 1,000 premium accomplices. It has likewise gotten more than 80,000 downloads of its iPhone portable application in under a month of the application’s dispatch. Between October tenth and October sixteenth the site got huge traffic as can be seen from the accompanying figures:
All out Hours Watched: 6,737,250
Week after week Unique Viewers: 4,214,057
Complete Hours Watched per Unique Viewer: 1.6
Week after week Unique Chatters: 309,220
Pinnacle Concurrent Viewers on a Single Stream: 125,862
Pinnacle Concurrent Viewers on all Gaming Content: 165,250
Computer game Streaming: Popular Genres
Here are the absolute most mainstream classifications in live online computer game streaming:
Experience (Assassin’s Creed II, Lego, Lost Planet)
System (StarCraft II, Total War, Worms)
Game Games (FIFA, NBA 2K10, MLB 2K10)
Shooter (Modern Warfare 3, Bad Company 2, Left 4 Dead 2)
Pretending (Mass Effect 2, Dragon Age)
Hustling (Need for Speed: The Run Playthrough Part 1!, GP2 Asia Series 2011)
Reproduction (The Sims)
Greatly multiplayer online pretending game – MMORPG (World of Warcraft, Hydra 9)
Streaming Games Online: The Legal Side
At this point you may know or possibly caught wind of the new bill identified with against real time video – S.978. As of now, it isn’t unlawful to stream, for example a stroll through of Call of Duty Modern Warfare 3 online as it is viewed as a public execution. Notwithstanding, a bill like this would make such recordings illicit. This bill may appear to be an incredible thing from the start as it helps control robbery, yet as parts of the bill are very unclear, it could prompt a couple of issues for individuals from the media/gaming aficionado networks.
In any case, it is additionally conceivable that game engineers and distributers may choose not to indict streaming gamers, in this manner leaving things a remarkable same route as they are presently. Given the gigantic number of such recordings accessible on the web, it would be fairly hopeful to really believe that game designers and distributers will have the opportunity and cash to seek after clients each time they violate this would-be law. Other than online computer game streaming has produced a mutually beneficial situation for all gatherings included.
Game Streaming: A Win-Win Situation for Everyone
Sites like Own3D.tv and TwitchTV witness the greater part of their traffic around gaming occasions. Notwithstanding, these sites highlight live video feeds of gamers playing famous computer games any time, also. A portion of these gamers are simply beginners who like to show their gaming abilities to different gamers while some really have a place with proficient gaming groups, and are getting ready for the following competition.
Plus, gamers today are progressively adapting matches as live computer game streaming offers them another method of bringing in cash and earning enough to pay the rent. Live computer game streaming sites like Own3D.tv and TwitchTV have income imparting arrangements to proficient gaming accomplices. The most widely recognized kinds of adaptation incorporate promotions, memberships and pay per sees.
TwitchTV for example, has an income sharing arrangement where they sell promotions on the gamer’s stream and the benefits procured are part between them. TwitchTV additionally incorporates programmed transcoding, where watchers can flip between an assortment of value settings, in view of their association. Other than that accomplices likewise get early admittance to most recent innovation from Twitch just as the capacity to try out new highlights.
As an eager retro-gamer, for a significant long time I’ve been especially keen on the historical backdrop of computer games. To be more explicit, a subject that I am enthusiastic about is “Which was the primary computer game ever made?”… Along these lines, I began a comprehensive examination regarding this matter (and making this article the first in a progression of articles that will cover in detail all video gaming history).
The inquiry was: Which was the main computer game ever constructed?
The appropriate response: Well, as a ton of things throughout everyday life, there is no simple response to that question. It relies upon your own meaning of the expression “computer game”. For instance: When you talk about “the main computer game”, do you mean the primary computer game that was economically made, or the principal comfort game, or perhaps the primary carefully customized game? Along these lines, I made elite of 4-5 computer games that somehow were the apprentices of the video gaming industry. You will see that the main computer games were not made with getting any benefit from them (back in those a long time there was no Nintendo, Sony, Microsoft, Sega, Atari, or some other computer game organization around). Indeed, the sole thought of a “computer game” or an electronic gadget which was just made for “messing around and having some good times” was over the creative mind of over 99% of the populace back then. In any case, on account of this little gathering of masters who strolled the initial steps into the video gaming unrest, we can appreciate numerous long periods of fun and diversion today (keeping aside the making of millions of occupations during the previous 4 or fifty years). Right away, here I present the “principal computer game candidates”:
1940s: Cathode Ray Tube Amusement Device
This is thought of (with legitimate documentation) as the primary electronic game gadget ever constructed. It was made by Thomas T. Goldsmith Jr. also, Estle Ray Mann. The game was gathered during the 1940s and submitted for a US Patent in January 1947. The patent was conceded December 1948, which likewise makes it the primary electronic game gadget to actually get a patent (US Patent 2,455,992). As portrayed in the patent, it was a simple circuit gadget with a variety of handles used to move a dab that showed up in the cathode beam tube show. This game was propelled by how rockets showed up in WWII radars, and the object of the game was basically controlling a “rocket” to hit an objective. During the 1940s it was amazingly hard (for not saying difficult) to show designs in a Cathode Ray Tube show. Along these lines, just the real “rocket” showed up on the presentation. The objective and some other illustrations were appeared on screen overlays physically positioned on the showcase screen. It’s been said by numerous that Atari’s celebrated computer game “Rocket Command” was made after this gaming gadget.
NIMROD was the name of a computerized PC gadget from the 50s decade. The makers of this PC were the designers of a UK-based organization under the name Ferranti, with showing the gadget at the 1951 Festival of Britain (and later it was likewise appeared in Berlin).
NIM is a two-player mathematical round of technique, which is accepted to come initially from the antiquated China. The standards of NIM are simple: There are a sure number of gatherings (or “loads”), and each gathering contains a specific number of items (a typical beginning cluster of NIM is 3 stores containing 3, 4, and 5 articles individually). Every player alternate eliminating objects from the stacks, however totally eliminated objects must be from a solitary load and at any rate one article is taken out. The player to take the last item from the last load loses, anyway there is a variety of the game where the player to take the last object of the last pile wins.
NIMROD utilized a lights board as a presentation and was arranged and made with the interesting motivation behind playing the round of NIM, which makes it the primary computerized PC gadget to be explicitly made for playing a game (anyway the fundamental thought was appearing and representing how an advanced PC functions, as opposed to engage and mess around with it). Since it doesn’t have “raster video hardware” as a presentation (a TV set, screen, and so on) it isn’t considered by numerous individuals as a genuine “computer game” (an electronic game, yes… a computer game, no…). In any case, indeed, it truly relies upon your perspective when you talk about a “computer game”.
1952: OXO (“Noughts and Crosses”)
This was a computerized form of “Spasm Tac-Toe”, made for an EDSAC (Electronic Delay Storage Automatic Calculator) PC. It was planned by Alexander S. Douglas from the University of Cambridge, and once again it was not made for diversion, it was important for his PhD Thesis on “Communications among human and PC”.
The guidelines of the game are those of a customary Tic-Tac-Toe game, player against the PC (no 2-player choice was accessible). The info technique was a revolving dial (like the ones in old phones). The yield was appeared in a 35×16-pixel cathode-beam tube show. This game was never mainstream in light of the fact that the EDSAC PC was just accessible at the University of Cambridge, so there was no real way to introduce it and play it anyplace else (until numerous years after the fact when an EDSAC emulator was made accessible, and at that point numerous other incredible computer games where accessible as well…).
1958: Tennis for Two
“Tennis for Two” was made by William Higinbotham, a physicist working at the Brookhaven National Laboratory. This game was made as a method of amusement, so research center guests had something entertaining to do during their look out for “guests day” (finally!… a computer game that was made “only for fun”…) . The game was genuinely intended for its period: the ball conduct was changed by a few elements like gravity, wind speed, position and point of contact, and so forth; you needed to dodge the net as in genuine tennis, and numerous different things. The computer game equipment included two “joysticks” (two regulators with a rotational handle and a press button each) associated with a simple support, and an oscilloscope as a presentation.
“Tennis for Two” is considered by numerous the principal computer game ever made. However, by and by, numerous others vary from that thought expressing that “it was a PC game, not a computer game” or “the yield show was an oscilloscope, not a “raster” video show… so it doesn’t qualify as a computer game”. Yet, well… it’s not possible to satisfy everybody…
It is likewise reputed that “Tennis for Two” was the motivation for Atari’s uber hit “Pong”, yet this talk has consistently been emphatically denied… for evident reasons.
“Spacewar!” computer game was made by Stephen Russell, with the assistance of J. Martin Graetz, Peter Samson, Alan Kotok, Wayne Witanen and Dan Edwards from MIT. By the 1960s, MIT was “the correct decision” in the event that you needed to do PC innovative work. So this about six of inventive folks exploited a fresh out of the plastic new PC was requested and expected to show up grounds very soon (a DEC PDP-1) and began pondering what sort of equipment testing projects would be made. At the point when they discovered that a “Exactness CRT Display” would be introduced to the framework, they immediately concluded that “some kind of visual/intelligent game” would be the exhibit programming of decision for the PDP-1. Furthermore, after some conversation, it was before long chosen to be a space fight game or something comparable. After this choice, all different thoughts came out pretty speedy: like standards of the game, planning ideas, programming thoughts, etc.
So after around 200 man/long periods of work, the main form of the game was finally fit to be tried. The game comprised of two spaceships (emotionally named by players “pencil” and “wedge”) shooting rockets at one another with a star in the showcase (which “pulls” the two spaceships on account of its gravitational power). A bunch of control switches was utilized to control every spaceship (for revolution, speed, rockets, and “hyperspace”). Every spaceship have a restricted measure of fuel and weapons, and the hyperspace alternative resembled a “signal for an emergency response”, in the event that there is no other way out (it could either “spare you or break you”).
The PC game was a moment accomplishment between MIT understudies and developers, and soon they began rolling out their own improvements to the game program (like genuine star outlines for foundation, star/no star choice, foundation cripple choice, rakish energy alternative, among others). The game code was ported to numerous other PC stages (since the game required a video show, an elusive choice in 1960s frameworks, it was generally ported to more current/less expensive DEC frameworks like the PDP-10 and PDP-11).
Spacewar! isn’t just considered by numerous individuals as the main “genuine” computer game (since this game has a video show), however it additionally have been end up being the genuine archetype of the first arcade game, just as being the motivation of numerous other computer games, comforts, and even video gaming organizations (would you be able to state “Atari”?…). In any case, that is another story, arcade games just as comfort computer games were written in an alternate page of the historical backdrop of computer games (so remain tuned for future articles regarding these matters).
So here they are, the “Primary Video Game” chosen people. Which one do you believe is the principal computer game ever made?… On the off chance that you ask me, I think every one of these games were progressive for its time, and should be acknowledged in general as the learners of the video gaming insurgency. Rather than searching for which one was the principal computer game, what is truly significant is that they were made, period. As the maker of “Spacewar!”, Stephen Rusell, once stated: “On the off chance that I hadn’t done it, somebody would have accomplished something similarly energizing or far better in the following a half year. I coincidentally got there first”.