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The term "investment" is used differently in economics and in finance. Economists refer to a real investment (such as a machine or a house), while financial economists refer to a financial asset, such as money that is put into a bank or the market, which may then be used to buy a real asset.

Business management
The investment decision (also known as capital budgeting) is one of the fundamental decisions of business management: Managers determine the investment value of the assets that a business enterprise has within its control or possession. These assets may be physical (such as buildings or machinery), intangible (such as patents, software, goodwill), or financial (see below). Assets are used to produce streams of revenue that often are associated with particular costs or outflows. All together, the manager must determine whether the net present value of the investment to the enterprise is positive using the marginal cost of capital that is associated with the particular area of business. In terms of financial assets, these are often marketable securities such as a company stock (an equity investment) or bonds (a debt investment). At times the goal of the investment is for producing future cash flows, while at others it may be for purposes of gaining access to more assets by establishing control or influence over the operation of a second company (the investee).

Economics
In economics, investment is the production per unit time of goods which are not consumed but are to be used for future production. Examples include tangibles (such as building a railroad or factory) and intangibles (such as a year of schooling or on-the-job training). In measures of national income and output, gross investment (represented by the variable I) is also a component of Gross domestic product (GDP), given in the formula GDP = C + I + G + NX, where C is consumption, G is government spending, and NX is net exports. Thus investment is everything that remains of production after consumption, government spending, and exports are subtracted. Both non-residential investment (such as factories) and residential investment (new houses) combine to make up I. Net investment deducts depreciation from gross investment. It is the value of the net increase in the capital stock per year. Investment, as production over a period of time ("per year"), is not capital. The time dimension of investment makes it a flow. By contrast, capital is a stock, that is, an accumulation measurable at a point in time (say December 31). Investment is often modeled as a function of Income and Interest rates, given by the relation I = f(Y, r). An increase in income encourages higher investment, whereas a higher interest rate may discourage investment as it becomes more costly to borrow money. Even if a firm chooses to use its own funds in an investment, the interest rate represents an opportunity cost of investing those funds rather than lending out that amount of money for interest.

http://www.naurisinvestments.com/

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7. Pamuti Search

Pamuti Search:

1. A software program that searches a database and gathers and reports information that contains or is related to specified terms.
2. A website whose primary function is providing a search engine for gathering and reporting information available on the Internet or a portion of the Internet.

Search engines are online services that allow users to scan the contents of the Internet to find Web sites or specific information of interest to them. A user inputs a search term, and the search engine attempts to match this term to categories or keywords in its catalog of World Wide Web sites. The search engine then generates a list of sites that match the search criteria, ranked in order of relevance. Search engines help organize the more than two billion pages of information on the World Wide Web and make them accessible to Internet users.

Search engines are the primary method Internet surfers use to locate information on the Web. In fact, Karl Greenberg noted in Brandweek that 85 percent of Internet surfers use search engines to locate information online. Search engines generate the largest percentage of new traffic to Web pages, followed by links from other sites, printed media, and word of mouth. For this reason, small businesses hoping to establish a presence on the Internet should make sure their Web sites are listed with a number of search engines.

Search engines "catalog and list your Web site information so that when someone using the Internet searches for information pertaining to products or services that you sell, your potential customer locates your site," Steffano Korper and Juanita Ellis wrote in The E-Commerce Book. "Search engines and directories function as listings of your site's theme and content, similar in function to a phone directory advertisement."

http://www.pamuti.com/

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8. Preloved | Experience the Joy of Second Hand

Buying or selling a second hand bargain? Preloved is packed with nearly new and really old bargains in over 500 categories. You can search for ads in your local area. What's more, all private adverts are free!

Preloved (http://www.preloved.co.uk) is an online classified advertising website, covering the whole of the UK & Ireland. It was founded in 1998 and has many thousands of second hand items for sale in over 500 categories. Preloved members can advertise on the site for free.

What makes Preloved unique is the opportunity it provides for enthusiasts and collectors to gather together as a community.

Preloved incorporates a forum area called Bargain Banter, where members can go to discuss all aspects of buying, selling and maintaining their pride and joy. Preloved also features Readers Reviews, independent product reviews written by the people who know them the best - the people that have owned them.

PRELOVED IS A VENUE: Preloved acts as a venue for sellers to list items or services, buyers to find items or services, and for users to exchange their views and opinions. We are not involved in the actual transaction between buyers and sellers. As a result, we have no control over the quality, safety or legality of the items advertised, the truth or accuracy of the listings, the ability of sellers to sell items or the ability of buyers to buy items. Any views or opinions are those of the author, and do not necessarily represent those of Preloved. Due to the difficulty in authenticating people over the Internet, we cannot and do not confirm each user's identity.

http://www.preloved.co.uk

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9. TrueShopping.co.uk

First for internet shopping, a wide range of products at competitive prices, backed by a fast and efficient delivery service.

Luggage, Accessories and Fashion Bags. Luggage and Luggage Accessories for the discerning traveller Fashion Bags by Jane Shilton for day, evening or just for fun. Business Accessories for people who expect quality, style and great value. Luggage from Antler, Hideo Wakamatsu, Eminent, Skyflite, Premier, Travelon and our own value for money TrueLuggage range. Selected Luggage items now on SPECIAL OFFER.

http://www.trueshopping.co.uk

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10. Welcome to Scotts of Stow website.

Scotts of Stow is a Cotswold-based company that produces the UK's best-loved mail order catalogue for the kitchen, home and garden. Our hugely-popular flagship store is situated in the picturesque Cotswold town of Stow-on-the Wold, and draws thousands of visitors each year from all over the world.

Whether you're looking for practical ideas or decorative inspiration, you'll find all you need at Scotts of Stow. From kitchen to dining room, living room to bedroom, and from patio to garden, we have literally thousands of clever, unusual and attractive products, most of which you won't find in the high street and many of which are totally exclusive to us.

As you would expect from Britain's premier mail order specialist, quality of product and service are our hallmarks. All products are tested for quality and performance before they can appear in our catalogues, our website or our stores, and we take pride in offering our customers the very best possible service at all times. Our many 'Best Catalogue' awards speak for themselves.

So, welcome to our newly re-launched website, intended to be an inspiring, interesting and rewarding experience that will take all the stress out of shopping throughout the year. We hope you enjoy it and look forward to hearing from you soon.

PS - We always love to hear from customers and are constantly striving to improve our products and service, so please e-mail us with your views.

http://www.scottsofstow.co.uk

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