The current oil crisis has affected many countries in the world, and Angola, being the largest oil producer in Africa is now suffering from a very shaken economy.

Having more than 80% of its GDP dependent on oil production, Angola’s economy has being greatly affected by the lower oil prices that are now prevalent. This situation has prompted the government to analyse the countries economic activities in an attempt to find different industries that can help the country’s economy just as oil used to.

Decades of amassing billions of dollars from the production of oil, have led the government and its people to forget that the country possess other very lucrative industries in which the country used to rely before its independence.

Believe it or not, but Angola, this little known country in Africa, used to be the world’s third largest coffee producer, its oranges and apples used to exported to Europe ( mainly Portugal), its cheese production was high enough to supply the whole country as well as many other agricultural products from which the country used to be known for.

Since Angola gained its independence in 1975, the country plummeted into a civil war that only ended in 2002; and from 1975 up until now, Angola’s economy was confined to a strict exercise of exporting crude oil and importing every single product that one can imagine, form pencils, toys, clothes, food, meat, chicken, rice, cooking oil, cookies, electronics, cars, everything.

Now, unable to import products due to lack of US Dollars or as they are now known here “petro dollars”, the government is now providing incentives for the dynamization of the industries such as mining, agriculture and tourism.

For the pessimist, it might sound as if Angola is the last place on Earth to visit at the moment, but for those who have an entrepreneurial spirit will quickly understand that this is the most appropriate time to invest in the country.

For those who possess strong foreign currencies such as Euros or US Dollars, Angola is now among the cheapest countries in the world due to our local currency’s depreciation.

Land, houses, and used cars are now very cheap if its price is converted to a stronger currency. This creates the ideal atmosphere to invest in the country’s promising agriculture and mining industry.

Please take into consideration that Angola has the necessary natural resources to surpass more than ten times its current oil-dependent GDP; in the last two years Angola produced 7 962 330 carats of diamonds, and there are more diamond areas to explore. In addition to diamonds, we have huge reserves of gold, iron, copper, uranium, zinc, manganese, granite, marble, fluorite, phosphates, quartz and many more minerals.

In the agricultural side, foreign investors need to bear in mind that there are 26 million inhabitants in Angola who are willing to buy any agricultural product that is offer to them as the current supply does not satisfy the local demand yet. Currently, there has been an increase in production of bananas and tomatoes, leaving the other thousands of products to the importers.

Please remember that although Angola’s food production is too small at the moment, there are millions of people in the Republic of Congo, Zambia, Namibia, and the Democratic Republic of Congo importing into their countries Angolan products. For this reason, investors need to always have in ind that in terms of agriculture, they will not only profit locally but also internationally by supplying products to Angola’s neighbouring countries.

My aim is to help foreign investors in every step of the way in investing in this amazing country that is Angola. I am willing to help you with any questions that you may have before you arrive in Angola. Once in Angola, I will help you in ever single aspect from finding the right accommodation, to renting or buying a car in the country, from finding the right location for your business office, getting in contact with the right business partners and supplier, to recruiting the right employees and legalizing the company.

Perusing about an effective misselling harms assert a few days ago, I noticed another peruser remarking negatively on the way that “somewhat old woman” had been given a liberal honor by the court. She had been talked into separating with her reserve funds to put resources into a moment home in Spain at the stature of the property blast. Before long a while later, calamity struck as the bottom fell out of the market and the financial specialist was granted significant remuneration. While she was undoubtedly given careless guidance and should have been adjusted, it struck me quickly that it is not just minimal old women who require assurance, and now and then, they might be more educated than enormous young fellows.

The Generalizations and their Undertones

The little old woman, who is by definition an “unpracticed financial specialist” and in this way credulous and artless, is the opposite generalization of the knowledgeable man who is required to be an “accomplished speculator,” and subsequently merits little sensitivity, regardless of what ugly resource or portfolio he was sold.

Despite the fact that it is important to classify individuals to some degree keeping in mind the end goal to manage them, generalizations remain speculations. Venture generalizations may prompt to mistaken assumptions, incorrect spelling and to treachery in harms claims.

How much individuals truly comprehend about their speculations relies on upon different components, including how much cash they have contributed and for to what extent, the amount they were educated about their ventures and the amount they tried to teach themselves.

It is critical not to lessen sometime later issues with ventures down to what the financial specialist did or did not know. Here as well, distortions are perilous and out of line. It is simple for dealers to excuse practically anything ceaselessly on the premise that the financial specialist realized what he or she was getting into.

The way of the venture is similarly or considerably more essential. Not just are a few speculations a ton simpler to comprehend than others, one needs to take a gander at regardless of whether the venture was ever truly any great, and if conditions changed after some time, what, on the off chance that anything, did the merchant or agent do about any such changes?

One thing is clear. It is not any more substantial to accept that the eponymous minimal old woman was shown a good time, than to expect that a 40-year-old agent, with a degree in financial matters, comprehended what he was being sold. An elderly woman may have had a spouse who advised her for a long time not to trust stockbrokers and to be careful with having a lot of cash in stocks. By complexity, the male business graduate may now work in the promoting field, never having got to grasps with the reasonable items of speculations, depending on counsel and continuous administration from the vender.

Each Circumstance Is One of a kind and Must Be Considered all alone Merits

Distorted speculations are normal in the business, however are not a decent reason for giving or taking venture counsel or for granting harms. Everybody and every circumstance has interesting attributes, which decide to a vast degree what individuals need or require and what has a reasonable shot of being a decent speculation.

At the season of speculation, one can positively sum up to some degree along the lines of high, medium and okay, or an inclination for American versus outside stocks, for example; however such speculation has its judicious points of confinement.

What Does Make a difference Then?

Especially if something turns out badly, one needs to dig further and discover what truly happened, including the interaction between what the financial specialist ought to have gotten and really did. Hard actualities are what check, not oversimplified ideas in view of age, sexual orientation, formal instruction or even claimed understanding.

The very premise of good speculation, that has never showed signs of change and likely never will, is that one needs an appropriate, all around enhanced portfolio that is observed and balanced routinely. Reasonableness implies the right level of hazard as far as age, inclinations, profit, unpredictability et cetera. Broadening implies a sensible blend of benefit classes. Regardless of whether this situation won is truly the essence of the matter, significantly more than the age and sexual orientation of the financial specialist. Surely, reasonableness will consider the last elements in any case, however there ought to be no programmed and generalization based sensitivity for one gathering and the other way around.

What is sensible to accept is that, regardless of age, sex and other such variables, no typical financial specialist needs an unsatisfactory venture. What’s more, unless there is hard proof in actuality, it is sensible to expect that individuals would prefer not to bring huge punts with much, assuming any, of their cash. Hence, in managing dealers, or with a financial specialist who has brought about extensive misfortunes, the attention ought to be on the way of the speculations, and target appropriateness variables, as opposed to on a generalization which might be comfortable with the truth of the specific circumstance.

All that really matters

At the point when offering ventures, whether to minimal old women or to enormous young fellows, it is surely important to discover the amount they think about interests all in all and particularly about the one being referred to. In any case, it is more critical to guarantee that the venture is reasonable for the individual as far as the standard criteria, for example, age, general riches level, chance profile et cetera.

I married well.

After seeing a recent stat that 41% of first marriages end in divorce, I count myself lucky. I managed to find a mate who is smart, funny, responsible and compassionate.

And he loves to cook!

I picked up some basic cooking skills throughout high school and college. I can make grilled cheese, boil an egg and bake a mean chocolate cake for someone’s birthday. But I don’t stray too far from those easy recipes and skills.

On the other hand, my husband is the one in our family who makes the bulk of our meals. He’s the one who can explain the different cuts of beef at the grocery, and he’s the one who knows when to use dill and when to use rosemary. (I try to stay away from the spice rack completely.)

If food prices continue to shift the way they have over the past year, I think we will see more people like my husband cooking amazing meals at home rather than going out to eat… and that’s going to create some fantastic investment opportunities if you know where to look.

Back in the Kitchen

The government recently announced that the consumer price index (CPI) was unchanged for June, while economists were expecting inflation to tick up 0.1%. The 12-month CPI has dropped to 1.6% from 1.9% and is well off its five-year peak of 2.7% reached in February.

There’s a lot of hullabaloo going on right now about whether the Federal Reserve will lift rates yet again this year and whether the slowdown in inflation is far more than temporary, as the Fed has been claiming.

But I don’t care about the Fed right now. If the Fed is going to act, it’s unlikely to be until December, and there’s a lot of data set to come out between now and December that could sway the Fed.

If you dig a little deeper into the CPI report, there was a great nugget of data that no one is really talking about… and that creates a great opportunity for astute investors.

The government reported that grocery prices (food at home) fell in June. The price of food purchased in a grocery and prepared at home has steadily dropped since peaking in September 2015. We experienced a small run-up earlier this year, but it appears that prices are rolling over once again and headed lower.

By contrast, the price of food purchased at restaurants has steadily risen over the same time period and shows little sign of relenting.

Technology has worked to reduce costs in food production by increasing crop output. Low gas prices have cut transportation costs as well. The end result: It is now cheaper to buy food at the grocery than it was in 2015.

Meanwhile, rising labor costs and skyrocketing rents have forced many restaurants to lift their prices just to eke out a profit, making it far more expensive to eat out.

The United States Department of Agriculture reports that food-at-home prices dropped 1.3% in 2016 from 2015 levels and are expected to rise between 0% and 1% in 2017. Food-at-restaurants prices jumped 2.6% in 2016 and aren’t slowing in 2017.

The Market Has Changed

The race is on to make a profit off what’s hitting your table for dinner. We’ve seen a surge over the past several years of meal-delivery services such as Blue Apron, HelloFresh, Plated and Home Chef. These companies are catering to families (particularly millennials) who are looking for the comfort of cooking at home while still getting a unique variety of meals – far more than my awesome grilled cheese sandwiches.

Earlier this summer, Amazon announced plans to acquire Whole Foods. Imagine if Amazon could streamline Whole Foods the way it has done its other businesses, bringing costs down and luring customers in.

And of course, we have Wal-Mart going head-to-head with Amazon, which could create a price war that works in favor of consumers.

The market has shifted in favor of the grocer over the restaurant. Prices are dropping for food in grocery stores while restaurants are raising their prices just to get above the cost of operating. Meanwhile, wages for most Americans are stagnating, making the choice an obvious one.

Investors should be wary of restaurants and take a new look at grocery stores such as Kroger or even watch for new opportunities driven by millennials.

Preparation is the name of the game. The Chicago Bulls would never have won six championships if it wasn’t for the countless hours that Michael Jordan put in the gym throughout his entire life, and the endless game planning that he had undergone before every single game of his career. This kind of preparation, mixed with an unnatural athletic ability, was the reason that he had reached the level of success that he had. In the world of investing however, one does not need to possess any particular natural talents or abilities. The key characteristics of a truly successful investor include knowledge and preparation. Even the most experienced and successful investors in the world today are constantly searching for ways to improve themselves on a day to day basis. All of the best investors are not only informed on what industries to invest in and when, but also informed on what kind of position they are in at any given time, and aware of the best kind of investments for them at that particular moment in time.

Continually being conscious of your financial position during all points of your investing career and knowing yourself as an investor inside and out is crucially important when determining the level of risk that you should be taking on and when. If you are someone that finds themselves particularly interested in long term investments that will ensure a fairly moderate amount of return on investment, then there are a multitude of options for you. We all know that with the all-time low interest rates we are experiencing right now, savings accounts are not an effecting way of collecting interest at all.

Personally, I believe that the two best long-term investments include certificates of deposit (CD’s) as well as bonds. CD’s are just about as low risk as they come. These are especially nice because they are insured $250,000 by the FDIC, so as long as you are diversifying the CD’s that you purchase, you’re 100 percent certain that you will be receiving the promised amount of money back. By this I mean that when purchasing CD’s you should open up multiple of them and never let them reach $250,000 before maturity if you want to be 100 percent certain of receiving the promised amount of money on time. They typically range between 6 month investments to 30 year investments. The longer away the date to maturity, the higher the interest rate on that particular CD. The best way to ensure a solid return on investment as well as a steady flow of income from a CD would be to have many different ones with a range of maturity dates that span from the short term to the very long term.