“is a theory of investment which attempts to maximize portfolio expected return for a given amount of portfolio risk, or equivalently minimize risk for a given level of expected return, by carefully choosing the proportions of various assets” (wikipedia)

Calculating holding -period returns

Before investing in shares, investors usually have a careful look at financial statements. In order to know  how much return will be for a single share invested, we have  formulas as follows:

If the investor hold shares for 1 year, Return will be:

R =  (D1 + P1 – P0) / P0

where :

R is percentage of return

D1 is dividend received

P0 is share price at the time bought

P1 is share price after 1 year  period bought

Ex: A share was bought for £2, dividend after one year is 10p, share is sold for £2.20.

R=(0.10+2.20-2)/2= 0.15 or 15%.

If We have made the choice, why we regret some times? All I could answer here is we are uncertain about ourselves.

What we are going to do when time never come back?Yesterday was history that we could never change. So that, we should live for today, enjoy every moment we have and the past would be a good lesson for tomorrow.

You and me could make the others upset, let someone down,disappointed them sometimes. However, the truth is always naked . Background, culture, education,how a person being brought up often generate troubles, misunderstanding, hurt..

Forgiving is the best way that you and me can do. Leaving the sadness, pain, hurt…behind, thinking positive, doing what you haven’t done, enjoying what you haven’t had chance to do… Opening your heart and smiling to people. Tomorrow is a different day.

It is easy to say rather than to do since it’s human to make mistake. we are not god to easily forgive someone especially when that person ignored our feeling.

However we have to move on for our own sake. Forgiving does not mean you forget everything. It merely means accepting it as a part of human life.