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The word Fibonacci means a lot of things to a lot of different people. For mathematicians, Fibonacci is an important number sequence. For some painters, sculptors, and other visual artists, Fibonacci is a principle theory of the arts. For traders, businessmen, economists and the like, Fibonacci is a system that can efficiently predict market trends. Yet, for most of us, Fibonacci sounds incredibly complex and something that we’d rather not discover. But what exactly is Fibonacci? What does it mean and for what is it used?

Fibonacci, which means son of Bonacci, is actually a nickname used by the famous Italian mathematician and businessman Leonardo Pisano. Bonacci, on the other hand, is the nickname of his father and it means ‘good natured’ or ‘simple’. While Fibonacci was born in Italy, he spent most of his childhood years in Bugia (now Bejaia), a Mediterranean port in Algeria where his father, Guilielmo, worked as a consul for the merchants of Pisa. It is in Bugia where he learned the Arabic numeral system, and later as he traversed the rest of the Mediterranean world, he learned more of the Arabic mathematical system and its practical uses.

In 1200, Fibonacci ended his travels and returned to Europe. There he wrote a number of books that disclosed the mathematical skills he had learned in his Mediterranean travels. Among his works that were published are the Practica Geometriae, Flos, Liber quadratorum, Di minor guisa, and his commentary on Book X of Euclid’s Elements; the last two mentioned, unfortunately, are already lost. His Liber quadratorum, or Book of Squares, is probably his most magnificent book, but it was not his most popular work. His most popular work was rather the Liber Abaci, his first book that was written in 1202 where he introduced to the Europeans the Arabic numerical and mathematical system. In this book, he also taught the Europeans how to use such mathematical system in accounting and in trading. Most importantly, it is in the Liber Abaci where he introduced the Fibonacci numbers and sequence for which he is best remembered today.

The Fibonacci numbers, or sequence, was first used in Liber Abaci as a solution to a problem regarding the ideal population of rabbits. It is a recursive number sequence that starts with 0 and 1, and the succeeding numbers being the sum of the two numbers preceding it. This number sequence efficiently predicted the ideal growth of the population of rabbits. Later, mathematicians and scientist discovered that the Fibonacci number sequence has a lot of other uses aside from just predicting the population growth of rabbits. They have discovered that the Fibonacci sequence, in fact, occurs in many various patterns of nature.

What started out as a way of counting rabbits has now found a large number of other uses and applications. And as our present day scholars continue to study about the Fibonacci sequence, more and more uses for it continue to be discovered. Today, there are a variety of applications where the Fibonacci sequence, and its derivatives, are being used. It has found use in many computer programs. A ratio derived from the Fibonacci sequence, called the Golden Mean, has been considered by ancient Greeks to be the ideal aesthetic ratio and is now being widely used by many visual artists in their works. The Fibonacci trading system, which is an efficient way of predicting future trends in the world financial markets, has also become popular to expert traders and aspiring traders as well.

Who in the past might have known that such a simple number sequence like the Fibonacci numbers would have a great impact on a lot of things today? Maybe, not even Fibonacci himself.

About the author: To learn more about how you can use Fibonacci to accurately predict major stock market turning points, visit Fibonacci Trading at http://www.fibonacci-trading.com

When it comes to online stock trading it PAYS to have more knowledge than the rest of the pack. Pure gold can be harvested in each profitable trade that you accomplish.

But when you don’t know what you are doing stock trading can become a very difficult and life consuming business. You can lose a lot of money and time. Valuable time of your life. Stock trading can resemble the closest thing to a get-poor-fast system when you don’t implement a proven stock trade strategy.

Even when there are traders that can make more than $5000 on a single trade, it’s not unusual for a novice stock trader to lose $1000 in less than 3 minutes from the life coach comfort of his own home, or waste a lot of family time thinking about the stock he should trade for tomorrow “according to the charts and the stars” and other confusing technical analysis trading indicators.

As an online stock trader your homework is all about learning and testing different online trading strategies that can help you take advantage of stocks and at the same time protect your profits. Just always keep in mind that a good stock trading strategy is simple and practical. Complicated stock systems will always make you slow in your decision making process or confuse you right from the start.

There are some very good sites on the web where you can access practical stock trading strategies that are easy to implement. One of those sites is Chat Hot Stocks http://www.chathotstocks.com

They focus on momentum stock trading strategies that can help you identify and handle hot stocks while reducing your trading risk.

All in all, online stock trading is all about picking the best stock opportunities and following your buy and sell signals with ease and simplicity. Once you learn to master your trading decisions, you can aspire to produce consistent profitable results.

Learn how to stock trade in a practical way every day at Chat Hot Stocks http://www.ChatHotStocks.com

Are you currently tied to the ‘bad credit’ tag? Well, getting business mortgage loan for small enterprise establishment isn’t a lot more a fantasy. Receiving small business loans is really a specific accomplishment for small business owners. These money aid small industries to form up their company proposals nicely. Using computerized mortgage course of action, it is possible to get the desired amount of money. This can provide you with far more leeway to buy new supplies, pay off bad debts, or develop your company. It has been bike light witnessed that small enterprises will be the significant affected individuals with regards to arranging money. Building a effective business with out sufficient account is often a daunting task. It will likely be smart to view on the internet to acquire beneficial information regarding small enterprise financial products.

Around the recent past, organization finance has believed a whole lot of value in the event of little establishments. In case you are inadequate money for suitable growth and growth of your small business, make use of small enterprise financial products. It all depends giving you how you intend to devote this cash. Ensure you choose the financial loans to match your prerequisite from creditable online learning resources.

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Small company financial products are generally separated into two categories i.e. unsecured loans and loans. Properly, secured personal loans can be found for those business owners who involve some asset to position up against the cash. This sort of loans need low interest charge. More and more people are receiving willing to get funds to own company via this sort of helpful mortgage loan schemes. Even so, unsecured business loans are designed for non-house owners. You’ll be able to pick the best option depending on the character and requirement of your small business organization.

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Most stock traders recognize that trading momentum stocks can be a very profitable activity. You can make big amounts of cash in a short period of time.

It’s not unsual to watch a hot stock rise more than 15% in less than 5 minutes on a good momentum day. The problem is, that if you don’t know what stocks to look for and how to approach them and simply leave everyting to luck, you could end up wasting money instead of making your profits grow.

That’s why the most important aspect of momentum trading is the knowledge FILTER you employ to make your buy and sell decisions. There are many “fantastic” stock systems and trading strategies outhere, but you need to test them in order to discover which ones help you the most. That’s part of your homework as a stocktrader. Test, test and test again.

Complicated stock trading strategies that rely on a “boat load” of technical analysis indicators can make you slow, and being slow when trading hot momentum stocks can be as dangerous as not knowing what to do in the first place.

The worst thing that can happen to a beginner momentum trader is to get information overload. It’s better to go step by step, and test a practical stock trading strategy that can show you how to focus on concrete ways to make money while picking SOLID hot stock trading opportunities once at a time.

Fortunatly there are great sites on the web today that can show you how to trade in a sharp and effective way. One of those sites is Chat Hot Stocks http://www.chathotstocks.com

In the end, momentum trading is all about buying and selling stocks according to your knowledge FILTER. Once you master and follow your proven filter parameters like a clock, you can expect to start making serious amounts of cash on a consistent basis.

Find out how to do it with ease and simplicity at Chat Hot Stocks.

http://www.chathotstocks.com

About the author: ChatHotStocks.com helps day traders worldwide how to pick momentum stocks to maximize profits.

You have permission to publish this article either electronically or in print, free of charge, as long as the author bylines are included. A courtesy copy of your publication would be appreciated. Please email to mailto:charles@thestockopolyplan.com Word Count (689)

A Personal Stock Market Investment Philosophy

∙ Make every investment in the stock market a long-term investment.

My Mother worked as a teller in a small bank in Dover, New Jersey. The name of the bank was called The Dover Community Bank. While working at the bank (she eventually became a branch manager) she enrolled in the bank’s dividend reinvestment plan, making purchases of the stock through pay-roll deductions. She continued purchasing the stock through the years, having the dividends from her shares in the bank reinvested into more shares every quarter. By the time she left the bank (in the early seventies) she had accumulated around 300 shares of The Dover Community Bank.

My Father, when he retired, had the dividends from those shares sent home ‘ to help ends-meet. When my Dad passed away at age 80, my brother and I inherited over 7,600 shares of The Bank of New York, all originating from those 300 shares of what was once called The Dover Community Bank.

From this personal experience grew an investment philosophy that all stock market investments in a security should be purchased with the intent of providing dividend income to help ends-meet during retirement, with the understanding that no one can successfully retire without financial freedom. So every investment now in a security is purchased with the intent of holding that security (and adding to it during the years) until the dividend income from that security is ample enough to ease the loss of income from retiring from my job.

∙ Make every investment in the stock market provide you with an ever-increasing cash dividend for the rest of your life.

With the philosophical investment approach of holding a security position forever, what criteria should I be looking for in that security? Certainly dividend income ‘ that’s a given! And since I never intend to sell the security, capital gains may not even be an issue.

I would argue that a company that just pays a dividend isn’t good enough. Instead, I will only purchase those companies that have a long history of raising their dividend every year. This will eliminate a whole bunch of risk. It would eliminate the possibility that the companyis ‘cooking their books;’ after all, the money has to be there to pay the shareholder. And because this company has been raising their dividend every year for many years, it eliminates the risk of investing in a start-up company that may not even be around in a year or so.

Also, the rising dividend every year would help off-set the risk of inflation and the risk of a lower stock price during the year would actually accelerate my income from the security.

Since I would want my position in the stock to grow through the years, thus increasing my dividend income, all dividends would be reinvested back into the stock, until retirement. A lower stock price during the year, therefore, would allow the dividend from the company to purchase more shares, at a higher dividend yield, and would simply accelerate my dividend income.

∙ Diversify into no more than twelve different companies.

Owning shares in twelve companies is plenty. It would provide the diversity to sleep well at night, and provide a cash dividend every week of the year. Start by owning three companies, and build from there. Determine how many shares you want of each company before moving on to the 4th, 5th, and 6th. Invest in sets of three different companies at a time, until twelve are owned.

∙ Persevere

Success in the stock market is not so much derived by buying a company’s stock at the lows, but is almost guaranteed successful through dollar-cost-averaging over the years. One of the most powerful methods of investing in the stock market is having the perseverance to continue adding shares to your stock positions over the years, through reinvested dividends and quarterly infusion of funds, be it 50 dollars, or 100 dollars a month. Persistence, persistence, persistence, and your stock market investment philosophy will become unbeatable!

To read the PREFACE from the book ‘The Stockopoly Plan- Investing for Retirement’ visit: http://www.thestockopolyplan.com

About the author: Charles M. O’Melia is an individual investor with almost 40 years of experience and passion for the stock market. The authorof the book The Stockopoly Plan ‘ Investing for Retirement; published by American-Book Publishing. You can invest in the book at http://www.pdbookstore.com/comfiles/pages/CharlesMOMelia.shtml

Day trading is all about making buy and sell decisions. When you make a trade either your going to lose money or your going to make money, and some other times you will break even. When you win some body else will lose and so forth, but that’s NOT what’s important.

The most important aspect of day trading is the knowledge FILTER you employ to make your buy/sell decisions. There are many “fantastic” strategies outhere, but you need to test them in order to discover which ones help you the most. That’s part of your homework as a daytrader. Test, test and test again.

Complicated strategies that rely on a “boat load” of technical indicators can make you slow, and being slow in this game can be as dangerous as not knowing what to do in the first place.

I think the worst thing that can happen to a beginner trader is to get information overload. It’s better to go step by step, and test a simple strategy that can show you how to focus on concrete ways to make money.

Fortunatly there are some good sites on the web today that can show you how to trade in a practical and effective way. One of those sites is Profitable Stock Market ( ProfitableStockMarket.com )

In the end, day trading is all about buying and selling according to your knowledge FILTER. Once you master and follow youre proven filter parameters like a clock, you can expect to start making serious amounts of cash on a consistent basis.

About the author: Profitable Stock Market helps traders and investors take advantage of momentum stock trading opportunities every day at ProfitableStockMarket.com

In today’s world you’ll find practically thousands of people committing to stock market trading hoping to both break the bank in order to just have enough money for old age, nevertheless, there is a different type of market that folks must start off committing to and it’s really named forex. For those who would like to find out more, this document will talk about what the foreign currency market is, the way it operates and just how forex trading could make people big money as time passes when done right.

So, what is this currency exchange market? It is basically a worldwide financial industry that is utilized to be able to industry values, hence the word In .currency tradingInches. This market is mainly accustomed to assist businesses in relation to worldwide investing and assets. It can be nearly the same as stock market trading but instead of people exchanging shares they trade foreign currencies. They do their groundwork to find out which foreign currencies shall be really worth far more down the road, purchase for them and continue to earn profits from their purchase. The forex market is open up the whole day apart from the saturdays and sundays, so that it possesses a big trading quantity.

Since the foreign exchange market generally consists of international trading it is obvious that big businesses utilize this market one of the most, however, there’s a opportunity for every person to generate income on their own by means of foreign currency trading. To get your house so, though, it is necessary for individuals to be sure they do know what they’re taking a look at. Before getting a particular forex buyers need to ensure they take a look at plenty of elements that may decide its value.

An internet to determine if it’s a wise idea to invest in a selected currency it’s important to have a look at almost everything occurring in that specific region. For instance, it is possible to normal catastrophe taking place there? What kind of bank procedures or government plans could affect the overall economy there? Those questions are imperative to inquire and find techniques to before committing to any foreign currency. Yet another way for people to understand which currencies are perfect to purchase is to watch out for particular trends available in the market, which is a lot like what individuals do once they pick out selected stocks and shares in stock market trading. This calls for considering chart and other information to obtain a good plan of what a certain currency exchange will work in the future. Ultimately, it might take efforts and determine everything out when it comes to currency trading but trading in the foreign exchange market is a great way for people to create a lot of money!

The first point to mastering money management is that you have to understand when you’re trading on the stock market is that you are playing the odds – but unlike many forms of gambling, you can make money. The key to making this money is to respect the risk that is part of the market, and manage it. Money management is a set of rules and guidelines that enables you to turn a profit. By being triumphant with your money management skills, you can keep your risk at a level at which you’re comfortable with, keep from making poor trading decisions, and ensure you don’t loose your trading capital. This is why it is so important to follow money management rules.

Why do these money management rules work? You know, it’s funny. I once thought I had a fool-proof way of making money on roulette. You see, I’d bet on red and black. I’d sit at the table. After the ball had landed on black or red five times in a row, I would start betting on the opposite color.

Let’s say I had five reds in a row. I would then start to bet on black. If I was wrong, I would go ahead and double down, so that if I started my bet at one dollar, the next time I would be able to bet two dollars, then four dollars, then eight, then 16. With this system, eventually I’d win and I’d come out one dollar ahead.

So, here I am at 23 and I’ve set up my computer program to test my theory. I made a ridiculous amount of money in the program. I really thought I had the Holy Grail here. But, if it’s so easy for an 23 year old to figure it out, why aren’t all the casinos out of business and why aren’t we’re all millionaires? Unfortunately, roulette doesn’t work this way.

You see, if we’re flipping a coin, heads has a 50 percent chance of turning up on each flip of the coin and so does tails. But, each flip is independent of the last. The last coin toss has nothing to do with the one before it, each flip is a random event. This means it’s possible to get a hundred heads in a row if you do it long enough, and believe it or not, that’s what happened to me. When I first played roulette in a casino, I saw a string of 23 blacks in a row. I went home defeated.

Trading is the same. A percentage of your trades will not work out. A certain percentage will not go in your favoured direction, and the next trade has nothing to do with the last one. Even if you have the world’s most accurate method, over time you will go broke if you don’t practice good money management. Money management rules include defining your trading float, setting your maximum loss, calculating your stop loss, and most importantly learning how to choose your position size. Once these rules are in place, it’s important to stay with them. They will keep you from making snap decisions, and playing the odds longer than you should. This is why money management rules are a critical part of any effective trading system.

About the author: Discover BIG profits from the market by downloading your FREE copy of David’s new Ultimate Stock Trading Systems course. http:// www.ultimate-trading-systems.com/stocks.htm

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The slippery slope of the Bear market just hit a 90-degree angle. After coasting at a 45-degree angle, that at times looked like it would plateau, stocks are now moving decidedly down hill and picking up speed. Each bump in the road this year has shaken out passengers, but now those thrown from the market will face even greater fiscal injury (not to mention mental, as they will be taking lumps that at times will amount to 90% losses). Yet, it will be difficult to hang on. That said, it might be impossible to jump on. The real scary part is that we don’t have a road map for this kind of ride. The last time there was a two-year bear market was from January 1973 to December 1974. The last time there was a three-year bear market was from September 1939 to April 1942. It is fair to say that 95% of us know nothing of the two-year bear market, so this is un-chartered territory. Adventure is fun when we get it via books and movies, but stock market investors don’t have the fortitude and luck of an Indiana Jones, they close their eyes when the danger comes too close. However, now is the most important time ever to keep one’s eyes open. It is also time to start looking deep in the history books for answers. This isn’t the first time the stock market has plunged, and it isn’t the first bubble that has had to totally deflate.

According to published reports from Ned Davis research, the average bear market lasts 418-days, and lops off 31% in stock market value. This data is focused exclusively on the Dow Jones industrial average. (I’m not sure how the NASDAQ figures into historical data. One thing is for sure, that index which worked so hard to shed its moniker as the “over the counter” market, has been so fractured that it may never recapture former glory. In fact, it seems like each session sees a former NASDAQ-listed company ringing the bell at the NYSE. It will be very tough to not only rebound, but to be the hottest index with many of their brightest stars no longer listed.) Officially, the Dow’s bear market began in January of 2000; so it is a long way passed the typical time frame. That said, the index has been resilient, and at times was only a bear market in name. Despite the length of the current bear market, it hasn’t satisfied the historic norm in terms of value yielded. As it stands now, the Dow is off 22% from the all-time high. In many ways, the index has been a victim of its own success. It is hard to sell off when there is a migration from tech stocks into comfort stocks. As an avid tape watcher, I could see over and over again that the index wanted to pull back and investors wanted to take some profits off the table. PG, MMM and JNJ were – and are – trading at the high-end of their respective valuation ranges. Yet, before the re-rotation could build a head of steam, there would be another bomb dropped in tech/biotech land.

Now, it doesn’t seem to matter for those that have successfully dodged the massacre by focusing on company’s they know and understand. They are cashing in and putting the money on the sidelines. Save for the residue from the Great Crash in 1929, that saw the DJIA take 20-years to recover, the longest bear market has lasted 2.5 years. That is good news, (I guess). The stock market reclaimed 73% of its value within 9 months of the Great Crash (okay, it wasn’t so great, but this is the “me” generation and it thinks we do everything better than those that came before us) of 1987. With this in mind, maybe the market will move to a 180-degree angle and satisfy two elements of history. Matching the timeframe of the longest bear market, and at the same time yielding the average amount of ground that has been typical. Maybe a quickening climax to what has been cruel treatment could be the answer. But, hold on to your hat, it means the Dow has to fall to 8177 before a floor can be put in. The last three trading sessions of the week saw the Dow off an average of 150-points, on Wednesday, Thursday and Friday. At that rate, we could see the index bottom in 7-trading days. That would mean the world’s largest equity market, and the pride (we still love it deep down inside) of the nation could be ready to rebound after the fourth of July.

About the author: Since 1991, Charles Paynes’ Wall Street Strategies has successfully provided timely and effective equity advice to institutional money managers, retail brokers and individual investors of all types, and has thousands of subscribers from hundreds of brokerage firms. http://www.wstreet.com Wall Street Strategies provides research online, including enhanced services and communication tailored to today’s fast-moving markets.

Do you own shares? Have you ever purchased, or been tempted to create a share portfolio because you know there are people out there who make money with shares? Are you slightly afraid of the risks of investing in stocks? Or do you want to play the market, but are afraid because you have lost money in the past?

If you have answered yes to any of these questions, or if you just want to improve the performance of your portfolio, or if you just want to make some more money, then I have found the perfect solution for you.

Portfolio Crafter, which you can find at http://www.portfoliocrafter.com/?oceanfeather has a portfolio management system which will guarantee you 8% returns on you investments every month. When compounded, that works out to over 150% returns on your investment every year. This type of return will quickly take you to retirement.

This system is easy to follow to. The Portfolio Crafters do all the analysis, create the portfolio and immediately contact you to explain which trades you need to make. So you will not spend the rest of your life studying the stock market. Have a look how they do it.

http://www.portfoliocrafter.com/?oceanfeather

These guys are so confident that they will return you your 8% every month, that they will even let you try them for the first month for free. This means you can try them out, and if you are not happy with what they offer you, you can switch them off before you pay a cent. As I said, you don’t see many deals better or fairer than this. They are practically taking the risk out of share trading.

The only downside I can see with this service, is that to maintain the integrity of what they offer, they have limited their subscriber base to just 2000 people. If they have 2000 people already, you may have to go onto a waiting list before you are admitted into their ranks. So if you are interested in this one, its probably best to get moving as soon as you can. Here is the link again.

http://www.portfoliocrafter.com/?oceanfeather

One final word about cost, I have had a look at what they charge and have done my calculations.. Keeping in mind that if you make less than 8% in any month, your payment for that month is refunded, I did some quick sums to work out what you need to invest to make this service worthwhile. If you invest just $1,250 using this service, you will break even when you earn 8% per month, after you pay for the service. Once you account for brokerage you are probably looking at a $1,300 break even entry point. I suggest you only use this service if you have a minimum investment of $2,000

Good luck with it, and happy trading.

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About the author: B.Ec. A.S.I.A 10 Years Senior Management In Various Fortune 500 Companies. Not completely satisfied with Corporate Life, so always on the hunt to find other income streams

Are you attracted to the idea of being in control of your financial future, but confused about how to start investing in the stock or share market, while avoiding costly mistakes?

Or maybe you’re disappointed with your performance so far? Does it sometimes feel like every time you take the plunge and buy into the market, the price goes down?

That’s understandable…

You’ve probably attended seminars, read other newsletters or broker reports telling you to buy this or buy that ….. you’ve probably heard or read a lot of confusing and sometimes conflicting information?

The real surprising facts are that very few online investors actually make money long term.

You’ve worked hard in your life to get your investment nest egg together so far – but now where to from here?

Maybe you want to develop some extra income or even manage your own superannuation retirement fund? For instance, from 1 July 2005, as a result of new rules on ‘choice of superannuation fund’, for the first time millions more Australian employees will be able to choose a fund for their future superannuation guarantee contributions.

Maybe you’re attracted to the charts you’ve seen showing the power of compounding investments & have worked out the benefits to you of having a higher percentage return?

If you don’t want to be saddled with a “do-nothing” portfolio that adds nothing to your bottom line or even worse, goes backwards, then please take a moment to read on…..

The reality is that only the very few achieve long term success by online trading or investing in the stock or share markets around the world. Even less for those who are online trading in the highly leveraged CFD’s, futures, options, FX & other commodities markets.

The good news is that the skills can be learned from expert investors and traders who have gone before you and can lead you across the minefield. You will still lose – and may lose regularly sometimes – but the key difference between those who win or those who lose overall is to keep the value of your total losses low compared with your profits gained.

In his definitive book ‘Trade Your way to Financial Freedom’, Dr Van Tharp calls this ‘expectancy’.

Improving your own online investing or trading performance in the stock or share market & developing your own home based business requires investors and traders to learn how to strengthen each of the three legs of your investing or trading stool, as first described by Dr Alexander Elder in his books ‘Trading for a Living’ & ‘Come Into my Trading Room’:

‘Technical Analysis

‘Money & Risk Management and ‘Your own personal Psychology

At the very least, you need all three legs to be very strong – in order to survive, then thrive to successfully make money & outperform in the stock or share market. As Dr Elder says, the stool will not stand on just two legs.

Very experienced online traders and investors John Atkinson and Jim Berg, authors of the soon to be released Investing Online Newsletter© and the Online Trading Report©, prefer to add a fourth leg when they invest in the stock & share markets – that of fundamental analysis.

This allows them to find the most fundamentally sound and the technically strongest up trending stocks and shares to increase the odds in their favour.

As part of his overall money & risk management, John Atkinson has designed and developed his own Portfolio Management tools to plan and track individual stock selection, optimization and portfolio growth. John Atkinson knows first hand what it means to lose enormously, both financially and emotionally in the stock or share market. He lost his Sydney Harbour waterfront home in the technology stock crash of 2000 and beyond. He was set back fifteen years financially and had to start almost over again.

John then searched the finance education world for the best investing online & online trading information to learn how to trade and invest online successfully.

With his experience learnt from the school of very hard knocks, John Atkinson now aims to help online investors and traders avoid the pitfalls that await unsuspecting novices and teach them some of the methods he’s since learnt to trade profitably and with much better risk control.

In direct contrast, John’s partner, Jim Berg is a former broker, private trader and lecturer with over 20 years experience in the investment industry. He has appeared on CNBC Asia and Market Wrap and is a regular guest speaker at the Australian Stock Exchange (ASX), Sydney Futures Exchange (SFE), Australian Technical Analysts Association (ATAA) & Traders Expos in capital cities. The first edition of his book ‘The Share Traders Handbook, Fundamental & Technical Analysis Combined’ has literally been a sell-out success.

Using the tools and trading strategies from his workshops and seminars, Jim Berg won the 2002 Personal Investor Magazine Trading Competition.

The first step is to protect your capital and survive in the market long enough before you can profit. Instead of giving you a fish (e.g. stock tips), Jim Berg and John Atkinson teach online stock & share investors and traders how to fish (invest) for life. With the knowledge gained, you will know where the ledge is – to be able to protect yourself initially from the pitfalls of the markets that lay ahead to trap unprepared investors.

The second step is learning how you can grow your portfolio and thrive in the stock or share market. Jim Berg’s investment strategies have achieved breakthrough results and are very different to the way the majority of investors operate.

Jim has also recently been invited to write regular articles for the ASX own newsletter.

Author Jim Berg says:

‘We heard from several people who came out of investing & online trading seminars with some education but wondered what to do next? Others contacted us wondering where to begin or how to improve their current portfolio performance.

We realised many online stock and share market investors and traders are looking for on-going support to help lead them through the stock or share market minefield, dodge the pitfalls and actually profit long term. That’s why John and I decided to team up together to provide weekly guidance, with easy to follow step-by-step investment strategies for everyone who is looking to invest in any of the stock or share markets around the world today.

Our aim is to help people from all walks of life develop into the best online investor or trader that you can become and to generate the returns from your investments that you deserve.’

About the author: The Investing Online Newsletter © will teach investors how to find, select & manage which stocks or shares to buy; money & risk management; when to sell; traders’ & investors’ experiences; psychology, fundamental & technical analysis, & portfolio to track weekly performance of sample selections. Visit www.sharetradingeducation.com now & register to a FREE exclusive online trading & investing stock market club with access to FREE downloads

I am often asked by relatively inexperienced traders whether there is a simple method that they can use that is consistently profitable. The answer is yes, and better still, it works in both a day trading timeframe and a swing trading timeframe. Heck, it even works if you want to ‘buy and hold’ your stocks! Basically, this system allows you to build up chunks of equity in your favorite companies at effectively zero cost.

Sounds too good to be true, doesn’t it? Surely it must be a complicated stock trading system, with high drawdowns and large risk? Nope. So why do I offer it here for free? Because the Trader’s Collective asked me, simple as that. Right, here we go.

Choose your target security or stock, and wait for it to start moving upwards strongly. This could be because the whole market is in an upswing, or perhaps your chosen stock is forging ahead on good news. Buy a round lot of the stock, say 1,000 shares. Immediately put a limit order on it to sell 90% of the stock at a price that will recover ALL your costs (including dealing costs). Say for the sake of argument that you spent $10,000 on the stock (at $10 per share, obviously), and $25 on execution fees, you would be looking to sell 900 shares at about $11.14 or better. This would recover your initial outlay of $10,025 and leave you holding 100 shares of your favorite company, completely free!

Ah, you say. Excellent. But hang on! What happens if it doesn’t hit a ten percent rise anytime soon? Or worse, starts to fall? Welcome to the world of stock trading, where losses are also possible! The key to successful trading is to control any losses you incur. This means firstly setting a rigorous stop loss that will trigger automatically, and secondly trying to ensure that your entry criteria give a better than average chance the stock will move the right way. Let’s look at that second point first.

The probability of a trade ‘going the wrong way’ can be greatly reduced by setting up stringent entry criteria. In a day trading sense, the best way to spot a breakout happening is to look for strong pushes thru trading ‘support’. You could use ordinary ‘floor traders pivots’ for this, although by far the best indicator for these levels I have ever personally found are of course the levels from www.surefirething.com – the breakouts from H4 have to be seen to be believed, and the reversal breakouts up thru L3 are also pretty good (although you have to make sure the gap between L3 and H3 is big enough to give you your trade, because it will also usually reverse at H3!). For more on this aspect of trading you might want to head on over to www.traders101.com and read up a little.

In a swing trading sense, you could try watching for a ‘Grail’ signal. These signals can be obtained free at www.tradestars.com for almost every stock in play, and provide darn fine entry points. A recent large-scale analysis showed that over 84% of ‘Grail’ signals provided trades that were ‘in the right direction’ within 2 days of opening them. That’s pretty good odds. Remember that www.tradestars.com signals are long AND short – you only want the LONG signals for this stock trading strategy.

Regardless of good clean entry points, you still must always have a stop loss in place, because the markets will come and get you if you don’t. Period. How do you set a good stop loss? It’s not so hard as you might think! Space precludes me explaining in this article, but the topic is covered at www.traders101.com and I will expand on this in a later article. Good hunting!

Let’s briefly describe The Stock Market for those who are new to the financial world.

What is The Stock Market? It is by definition a market in which shares of companies stocks are bought and sold. Let me explain this. When companies start growing they need to find investors willing to invest on the company. They need to rise money to keep buying machines and products and to expand their businesses. At the same time many investors want to find companies where they can invest their funds, so they can receive passive income from the growth of those companies, which usually cause a growth on their portfolio of invested funds.

How is The Stock Market organized and why? Companies discovered a long time ago that the most profitable, easy, fast and effective way to find the investors is through an organized system, in which there is liquidity, and through which all interested individuals could bring in funds to keep developing their businesses and enterprises. That originated The Stock Market, which have been evolving and improving for a long time. People can trade and invest on this market through Exchanges. For example the New York Stock Exchange, or the American Stocks and Options Exchange. Exchanges are regulated agencies, which facilitate the transactions between buyers and sellers and ensure the fairness of each transaction for everyone. Stockbrokers also facilitate transactions for their clients and earn a commission for doing so.

What is the difference between a trader and an investor? On this market like in many others you can be and investor or you can be a trader/speculator. Investors are corporations or individuals that want to invest an amount of money, usually a large amount, and keep on the market for a while to profit from a long term trend. They want to grow their money, but they also want safe investments. They are not gamblers. They usually have large amounts of available funds so they can afford to leave their money on the market for months and some times even many years (2-5 years and more). Traders and speculators usually want fast profits. They may or may not have large amounts of available funds for trading and even if they do, they don’t want to risk them too much. This is because traders usually take considerably higher risks than investors do. Many of them not only trade shares of stock, but also derivatives. I explain that bellow. To get bigger profits they incur in biggest risk. Many of them are those that want to become rich in a few months. They want higher than average results. In fact they want the highest possible results. Many traders and speculators loose all their money on The Stock Market while others make fortunes. I think that knowledge, sound reasoning and common sense are three major factors affecting the outcome of any financial decision that you make.

What are stocks, stock symbols and stock shares? The term stock usually refers to the name of the company or symbol. For example the stock symbol for Microsoft Corporation is MSFT. When you want to check quotes or check the graphics on your account you enter the stock symbol and get all the information. What are traded through exchanges are shares, shares of stock. A share is a piece of ownership. Think about this as a pizza where the pizza is the stock or the company and every slice is a share. There are companies with millions and millions of shares, (slices) while others have less shares. When you buy, sell invest or trade, you are commonly dealing with the companies shares. Usually if the companies increase in value, you make money. If the stock price rise you make money (If you have a long position, which means you bought the shares). Other factors could affect your profits also like news, rumors and market sentiment. Do I need a stockbroker to become a trader or investor? You can seek the advice of a license professional, a stockbroker, or you can trade by yourself using the Internet. There is an increasing number of individuals that are investing and trading from the comfort of their own house. To do it by yourself you will need to sign up with a brokerage firm like E*Trade or TD Warehouse or any other. There are many out there. You can choose which one fits your interests and your needs. Once you sign up and fund your account you can start trading for yourself. Although people often like to have a stockbroker make all the trading for them.

What is volatility? I will define volatility in my own words. It is has to do with price fluctuations, how fast and often prices change. If the stock price decreases and increases fast and too much in a short period of time, it is said to be very volatile ‘ the prices change too often, too fast and the difference is big, so the investment is risky. If the opposite happens and the prices almost don’t change at all, it is said to be a low volatile stock ‘ if there are not sudden and unexpected price changes, then the investment is less risky. Traders usually prefer volatile stocks, because they seek to profit from sudden price changes in a short period of time. Investors prefer steady, slow but secure growth. They don’t like surprises very much.

What are derivatives? Derivatives are financial instruments that derive their value from the underlying assets. There are a wide variety of derivatives and they are flexible instruments. Some derivatives for example may derive their value from other underlying derivatives. The main idea is that they do not convey ownership like stock shares, they just establish rights and obligations.

Derivatives are a little bit harder to understand than stock options. There are many different kinds of derivatives on the financial markets. Even experienced investors may know some of them, but not all of them. I will briefly mention the most commonly used, Options and Futures.

What is an option contract? What are stock options contracts? If you buy an option you have the right but not the obligation to purchase something, whatever it is that is specified on the contract. In the case of stock options you have the right to purchase shares. Option contracts use specific terms. They also include a period of time in which you can exercise the option, which means you can buy the underlying asset. If you don’t exercise the option on the specified period of time, then your option expires worthless and you loose the premium, the money you paid for the option. Why are options so famous, so useful and so important? Option trading can make you earn much higher return on your investment or they just can make you loose everything fast. In other words you can leverage your investment. You can have explosive profits, but you must be willing to accept the high risks involved with option trading, you can loose it all fast. Remember that if you don’t sell the option contracts that you bough or if you don’t exercise them on the period of time specified on the contract, then you just loose your entire investment. Sometimes people start trading options without even knowing this! All of the above may sound a little confusing for new traders and investors. Stock options contracts may require you to study for a while before you can start to understand the entire process or how they work. I didn’t mention here definitions like the following. What is a call option? What is a put option? What is the option delta? What are the ‘Greeks’? What are options on futures? What are compound options? What are exotic options? And many, many more. Even when it sounds complicated for those that have no previous experience trading options, once you learn its inner workings and all the processes related to them, you can profit big time from these derivatives. Remember that in any business knowledge is the key to success.

What are Futures Contracts? A futures contract is an agreement to buy or sell something, it could be a commodity or a stock for example, at a specified price on a particular date on the future. For example you make an agreement to buy 100,000 shares of Microsoft Corporation at $50 each two months from now. At the same time, someone somewhere is making the same agreement but instead of buying, that person is selling. These contracts are traded through exchanges which take neutral positions so they don’t loose. What’s the deal here? For example if today is January 1st, and you agree to purchase the stocks above by April 21st under those specified terms and conditions, and if the current stock prices is $45 per share check what happens. If the stock price rises in value from January 1st to April 21st let’s say to $75 per share, then you receive the contracts at $50 each share and immediately sell the contracts at $75 per share so your profit is huge. If the stock price goes down, you can sell the contracts before April 21st so you don’t loose that much. This is another kind of derivative that is very profitable for many traders. A very important fact is that you can also leverage your trades with this kind of derivative and get better results, but at the same time, you incur in higher risks.

If you want to learn more about the subject above visit the website bellow, which is full of valuable information that can turn you into a very wealthy person ‘ (courtesy of John Kaka). John has years of experience on subjects related to business, finance, wealth building, how to profit from e-books, the stock market, forex market, real estate, employment, true home based business opportunities, how to attract amazing wealth to your life, and everything related to money, business and finance.

Do Not Perform Brain Surgery With a Plastic Fork I mean it when I say that. While plastic silverware is fine for picnics and parties, it is totally inappropriate in a surgeon’s hand with an open brain in front of him. Not only are plastic forks built incorrectly to perform delicate surgery, their cheap construction may actually cause further injury to the patient. I don’t know about you, but I sure wouldn’t want someone prodding around inside my head with one of those things!

Ok, I’m joking. The truth of the matter is that you already knew that plastic forks were not meant to be used for brain surgery. It was obvious. In fact, it was so obvious that it seemed silly when I told it to you.

You might have even laughed.

But what if I told you that – right now – you are doing almost the exact same thing as a surgeon operating with a plastic fork? Something just as inappropriate and just as harmful from a financial point of view. I’m not joking any more. Let me tell you what I mean.

Your current charting software probably has a bunch of technical indicators built into it. Moving averages, RSI, Stochastics. There are hundreds of them. Thousands of traders rely on these tools every day to help them make investment decisions. (And thousands of traders blow out their accounts each day, too.) What these traders probably don’t realize is that if those tools were people, they would be dead by now.

Yes, those indicators are old. In fact they’re dinosaurs. They were invented in the days before computers even existed. Even before calculators were around! They were designed to be calculated by hand, using simple formulas and daily closing prices. Add some numbers up and divide by something else. Any elementary school student can easily calculate any of those indicators in only a few short minutes. We’re talking kindergarten math here.

Modern Technology With today’s trading computers running at Gigahertz speeds, don’t you think that it’s time traders started using some more advanced formulas in their trading? There’s no reason to keep things so simple anymore. We’ve got the speed and the power to calculate anything we could possibly ever want to, so why are all these charting programs stuck with the caveman tools? Details…… http://kv.iwarp.com/wave.html

About the author: Stock Broker

Last week, I read that the folks at Oxford English Dictionary had a slate of American English words for consideration in future editions. Apparently, because of its international influence via the entertainment industry, America is the prime source of new entries into the language (I guess it’s good to see the country still has some influence, because there are very few areas that our global neighbors still look up to us). The word erm that I found to be the most interesting for consideration is bling-bling.

The word refers to large jewelry, such as platinum chains and diamond rings that rappers and athletes sport. However, the word could also perfectly describe the nature of the stock market in the late 1990s. Moreover, it is the perfect way to describe the pay packages of CEOs, and lest not forget that house that the former CFO of WorldCom is building in Boca Raton. Although it is obvious that the editors at OED are becoming hipper, they’re still a little slow on the latest in urban vernacular. In this case, it is probably a blessing. According to the Financial Times, a writer from Houston recently stated, “The Bling-bling era is over”. It better be, as far as individual investors are concerned. In fact, the bling-bling era has temporarily been replaced by the but-but era. Or in some cases the butt-butt era. The latter refers to how many investors feel after being taken advantage of by the entire system, or to the expression on the faces of those that continue to take the 5th during congressional hearings.

In the meantime, the Bush administration spends a lot of time saying “but-but”. The drubbing of stocks was the clearest message the people have sent since the Boston Tea party. Moreover, it wasn’t just Americans that were voicing their dissatisfaction with the President’s address concerning the confidence crisis. When those safe haven stocks began to tumble during the week, one had to know that it represented a lot of foreign investment. As Ross Perot would have said, that was a big sucking sound. (By the way, didn’t he get in trouble this week?) Yes, the foreigners are taking their money out of the market just as fast as US investors, who withdrew about $20 billion from funds last week. It is interesting that much hasn’t been made of the simple fact that the market can’t go higher if there is more money going out as there is coming in. Anyway, I think Bush will come back with a more definitive plan that goes beyond punishment and maybe focuses on prevention. I know that the GOP thinks that those dynamics are one and the same, but in certain situations they’re not.

The spectrum is such that those that have nothing to lose, and see no other way, aren’t going to be swayed by prison terms or other forms of punishment. Sharing this space are those that are either so inherently criminal, that it is part of their being to break the law and those that are so blinded by greed that any risk is worth the reward. In their zeal to achieve bling-bling status, there is nothing that can stop them. They break every rule in the game. So, it stands to reason that these same people would first manipulate the rules, bending, twisting and corrupting them.

There, ladies and gentlemen, is where the President has to focus his next address on the topic. After all, when it comes to those in this country that see no other way, the rules are extremely precise. If a 19 year-old kid from the ghetto can get 10-years in prison for selling $20.00 worth of crack then that person knows the risk when he/she hits the street corner. (A discussion on the fairness of this type of sentencing could go on forever. I do find it shocking that the type of fraud that results in people losing their entire life savings only has a maximum term of five years. The but-but crowd has never seen anything unfair about such inequitable punishment, but may begin to backfire on them.)

The rules of the game have to change to the point where anyone investing in the stock market understands them. Let’s face it, many of the companies and individuals facing public scorn did nothing illegal. On Wall Street it was akin to some sort of magic show. The sleight of hand was rewarded and applauded. You bought stocks because a company could manipulate the numbers. You loved management that found ways not to pay taxes. The CEO that could only pull a rabbit out of the hat was seen as behind the times. Heck, we loved to see the company sawed in half, only to emerge whole by the time the earnings were announced. The President has to understand that the audience doesn’t want that anymore. They want reality television. No more tricks, no more hocus-pocus. No more voodoo accounting. No more but-but.

In the end, the president has to cast a net so wide and ambitious that he may even be snared by it. This is the law and order party, so we expected longer prison terms. However that doesn’t change the fact that there is too much gray area in the rules, and until that changes many public companies are going to go for bling-bling. After all, that is the difference between a for-profit and a not-for-profit-company. At the very least, individual investors buy stocks in companies because they think the company will grab the brass ring (if you’re lucky, maybe said company will reach the platinum ring).

A final thought on the Bush address. It is obvious that he has a formidable obstacle in front of him trying to fix a problem that is systemic in nature. Years of status quo have to be torn down, almost overnight if the US equities market is to ever recover from its current state. In the meantime, his get-tough approach could put another nail in the coffin of small publicly traded companies. I’m talking about the 3000 or so companies that trade like orphans in the market, with no Jack Grubman to pump them. These companies already pay a disproportionate amount of money on compliance and filings. They simply can’t be expected to adhere to the new rule changes; it will put many out of business. I’m not sure if the public is in the mood for special exemptions or if the Bush administration really cares or understands the problems. Yet it could be disastrous. These small companies are already afraid of the SEC, because they don’t have the large legal department that can fight back. They need a break, or else another victim of the current crisis in the American financial system will be the American promise itself. The dream is that a company can get financing and challenge the giants and in the process add to the spirit that has kept America ahead of the rest if the world in terms of innovation andtechnical prowess.

It is a tough and dire situation. Somewhere down the line the goal of innovation and achievement gave way to greed. We all have been seduced by bling-bling, but now it’s back to basics, hopefully the market can hang in there while the transition is being made.

Other Thoughts and Observations A few weeks ago, I said that the individual investor wouldn’t step in to buy stocks on weakness like they did post September 11th. It is one thing to not let the bastards win, but another to bail out homegrown bastards that abused the system and our trust. Since then, the selling has become so pronounced that a hint of patriotic fervor has returned. It moved long-time bear, Byron Wein, to pick up the flag and say stocks are a buy. Other well known Wall Street bears made upbeat comments about the long-term potential of the stock market. However, none picked the bottom.

Outside of the days and weeks immediately following the terrorist attacks, I can’t think of a time when Washington should be less partisan. Forget the blame game for a moment and stop acting like the Hatfield and McCoy clans. There is nothing to brag about and the problems are so universal and pervasive that everyone has played a role.

I’ve asked that everyone remain hopeful but gather as much cash as possible. It may be time to put that cash to use, really soon. My best guess is that 8177 is going to be the launching pad. I do find it interesting that the techs are probably going to outperform the blue chips this summer. If there is a new paradigm shift then that means a long-term recovery in the stock market will have to come from a sector other than the techs.

About the author: Since 1991, Charles Paynes’ Wall Street Strategies has successfully provided timely and effective equity advice to institutional money managers, retail brokers and individual investors of all types, and has thousands of subscribers from hundreds of brokerage firms. http://www.wstreet.com

Do you own shares? Have you ever purchased, or been tempted to create a share portfolio because you know there are people out there who make money with shares? Are you slightly afraid of the risks of investing in stocks? Or do you want to play the market, but are afraid because you have lost money in the past?

If you have answered yes to any of these questions, or if you just want to improve the performance of your portfolio, or if you just want to make some more money, then I have found the perfect solution for you.

Portfolio Crafter, which you can find at http://www.portfoliocrafter.com/?oceanfeather has a portfolio management system which will guarantee you 8% returns on you investments every month. When compounded, that works out to over 150% returns on your investment every year. This type of return will quickly take you to retirement.

This system is easy to follow to. The Portfolio Crafters do all the analysis, create the portfolio and immediately contact you to explain which trades you need to make. So you will not spend the rest of your life studying the stock market. Have a look how they do it.

http://www.portfoliocrafter.com/?oceanfeather

These guys are so confident that they will return you your 8% every month, that they will even let you try them for the first month for free. This means you can try them out, and if you are not happy with what they offer you, you can switch them off before you pay a cent. As I said, you don’t see many deals better or fairer than this. They are practically taking the risk out of share trading.

The only downside I can see with this service, is that to maintain the integrity of what they offer, they have limited their subscriber base to just 2000 people. If they have 2000 people already, you may have to go onto a waiting list before you are admitted into their ranks. So if you are interested in this one, its probably best to get moving as soon as you can. Here is the link again.

http://www.portfoliocrafter.com/?oceanfeather

One final word about cost, I have had a look at what they charge and have done my calculations.. Keeping in mind that if you make less than 8% in any month, your payment for that month is refunded, I did some quick sums to work out what you need to invest to make this service worthwhile. If you invest just $1,250 using this service, you will break even when you earn 8% per month, after you pay for the service. Once you account for brokerage you are probably looking at a $1,300 break even entry point. I suggest you only use this service if you have a minimum investment of $2,000

Good luck with it, and happy trading.

The emphasis of Hotel management companies remain on providing management services to the hotels, bars, resorts, restaurants etc… the places of resting and recreational entertainment, in a wide spectrum. These companies manage the sites contracted to be managed by providing a general manager to the establishment who not only effectively manages the services but also the management of property.
The general manager appointed by the company is responsible to take care of all the departments in the establishment under his charge. Though the accounts department of the hotel takes care of the payable bills, payrolls and other financial matters but all the transactions are done with the consent of the general manager. The general manager manages all the departments as well as the services to international and domestic guests with the help of the trained professional staff of the hotel.
The hotel management companies like Hotel Managers Group, USA which is providing the third party service to the Hotel, Resort and Motel Management since long. They take over the charge of any hotel establishment with the consent of its owners and stress on serving for the contentment of their clients as well as the guests of the hotel concerned for the sake of betterment in Hospitality Industry.
These companies take care of managing holiday packages for the tourists and vacationers to provide them a comfortable and reasonably costed stay at their hotels. The peace of mind of the guests and safety are main points to be particular while managing a hotel by the companies. The general managers provided by the management companies watches out the marketing operations, accounts and development plans of the hotel alongwith caring the services to the guests. In this way, the main aim of the companies providing management to other hotels is to satisfy the owner of the hotel.
These management companies also ensure the profitability of the owners of the hotel by managing all the operations of the hotel strategically. The general mangers provided by them watch out maintenance plans of the property and the plans to maintain the risk management which ultimately ensures the control over losses and costs and improve profits. They act strategically on the plans of advertisement, programs to enhance revenues, sales and services etc. to improve the financial output of the establishment.
Thus, hotel management companies not only stress upon the satisfaction of the guests of the hotel under contract but also the contentment of the owner of the hotel.

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Your uggs lamb pores and skin boot, in case properly maintained, will last for many years, which makes it a great investment. The smooth skin is actually leather-based and thus, your trunk isn’t water-resistant. Any water-repellant merchandise does apply towards the shoe, but actually this can not result in the trunk waterproof. The actual shoe might be washed but not simply by placing it directly into drinking water. These boots should be cleansed manually, utilizing a cleanup creation that is ideal for use on lambs pores and skin along with dried out effortlessly.

An item in the ugg lamb skin color boot that means it is this type of well-known selection throughout shoes or boots also can result in the trunk being broken. That come with will be their delicate lamb epidermis. These kinds of delicate-skinned shoes or boots should never be put on everywhere you’re planning to encounter items that may damage or even pierce the actual boot’s soft epidermis, just like on a hiking trip. To make sure the boots live an extended existence, be sure you correctly take care of as well as care for them.

The ugg sheepskin boots lambs skin shoe is available in numerous designs and sizes creating this trunk an ideal selection for all style. For the reason that can be found in styles for the entire family, such as infants, kids, men and women. A few ugg boot lambs skin color footwear include high shoes or boots, as well as short boot styles, slipper-style, as well as boot styles with extra reinforcements, and far, considerably more. There are also the shades ‘C black, bronze, red, glowing blue, purple, reddish, mud plus much more coming to get each day. The very best quality boots are produced from genuine sheep pores and skin yet replica footwear abound.

Just remember, better the product quality, the higher the price. However, if looking at the particular Ugg boot lambs pores and skin trunk , understand that you’re obtaining a great deal more than just visual appearance; you’re setting up a seem expense.

Anybody that has a requirement for finance will realise that there are numerous possibilities available to them once they begin to search for a loan. They will not necessarily however, all be suited to your requirements. If you have ever applied for a loan before and found that you had to endure a laborious operation before the finance was approved, you will be delighted with payday advances. This kind of pay day loan is quick and easy to set up and can give you the means to access your money very quickly.

This sort of finance was created with the sole aim of being in a position to pay them out almost immediately. There are generally a number of issues related to more long term loans. Primarily because of the simple fact that there’s quite a bit of documentation involved and they can take so much time to pay out. All your paperwork will then have to be substantiated which can be quite a prolonged procedure. Prior to making a decision on your application the loan company will probably look very meticulously at every aspect of the application. This tends to go on for quite some time, which in turn stops them from being practical when money is necessary very quickly. All the time this is happening the debts are usually still mounting up and the amount you’ll need to pay them is growing.

The merits of online cash advance payday loans

You do not need to wait so long to get your decision once you apply for your loan on-line, this really is particularly true if you submit an application for cash advances. Your judgement is offered to you in no time while you are still sat at your computer with this kind of loan. Yet another advantage of this type of loan as opposed to standard long term loans is the fact that the need for the ridiculous amount of paperwork is usually eradicated. This means that you can receive your cash more or less immediately enabling you to repay what you owe or whatsoever it is you require the money for. In the event you don’t fully understand payday cash loans you should:

Browse the comparison websites so you can get a much better feel for how they work and what previous applicants have to say about them. Residents of the United states of america should be mindful that wage day lending isn’t available in all of the states, therefore it is sensible to check out whether your state will allow them before you make an application for one.

Once you have determined who you want to fill out an application with you should submit their online application form (for your safety make sure the internet site holds a current SSL certificate before you do). The details that the payday lenders demand is not too onerous and the first thing they will want to know will be the sum of money that you desire to receive. You will also be required to supply your name and address, your home telephone and mobile or portable number and possibly your employers number (although the lenders will not contact your employer). You’ll also need to offer your occupation details and also the amount you make, and lastly your banking particulars together with your cash card number.

Providing in depth and truthful info on your application form is of the greatest importance. If you provide fake or inaccurate details of any kind you’ll be making it impossible for the lenders to lend to you not just on this application but also any future loan application that you submit. They were actually developed to supply you fast and easy access to funds when you need it, and assuming that you meet their criteria there may be no other loan that might pay out as rapidly.

You have permission to this article either electronically or in print as long as the author bylines are included, with a live link, and the article is not changed in any way. Please provide a courtesy e-mail to: charles@thestockopolyplan.com telling where the article was published. Thanks!

When to invest in the Stock Market!

Is really not as important as to how you invest in the stock market. And how you invest in the stock market should take into consideration what goals you are setting for that stock market investment. For example, are you investing for capital appreciation or for income through dividend paying stocks? Or is the investment in the stock market for the combination of both capital appreciation and dividend income? Are you investing through a Mutual fund(s) or selecting your own individual stocks? Do you invest with a lump-sum dollar amount or dollar-cost average into your stock or Mutual fund positions (buying the same stock or Mutual fund at different prices over the years)? Is your investment dollar spread too thin and are all of those dollars working for your ROI (return on investment)? Do you pay commission fees to purchase a stock? Do you pay load fees in your Mutual fund(s)? How much does your Mutual fund(s) charge you for management, operating and marketing fees (they are called ‘hidden fees’)? (One Mutual fund, just recently, was fined 450 million for ‘hidden fees’ practices.) ‘How’ you invest in the stock market is more important than ‘when’ you invest in the stock market and ‘how’ you invest will determine your ROI.

When you invest in the stock market is after you devise a how-to plan that takes into consideration all of the factors above. Quite frankly, every cent of your investor dollar should benefit you and your family and no one else.

There is an enormous amount of investor dollars supporting some whopper salaries on Wall Street. Just recently (the summer of 2003), Richard Grasso, the once former head (CEO) of the New York stock exchange was forced to resign, after his salary for the past 2 years were made public. His salary – 12 million a year for the past 2 years, a check for 48 million, which his advisor suggested he return (which he did) and a pay-package of 139.5 million dollars (which he hasn’t returned, as of this writing-mid-2004). Now, that is just one man’s salary on Wall Street and it is certainly good work if you can get it! Where did all this money for his salary come from? If the money didn’t come from investor’s dollars, why were Pension fund managers so outraged by Grasso’s salary that they threatened to pull billions of Pension fund dollars from the New York stock exchange? I really don’t know where the money came from to pay his salary. What I do know is the one place where the money for his salary didn’t come from and that is from the Stockopoly investor. Not one cent!

It is my opinion that all stock purchases should be made without commission charges (which is possible). The investment in all stocks should be a long-term investment, and that every stock purchased should have a history of raising their dividend every year. And all dividends should be reinvested back into the company’s shares (also commission free), until retirement. Every cent you invest should work for your ROI. By purchasing those companies that have a long-term history of raising their dividend each year (for example, Comerica ‘ 34 years, Proctor and Gamble ‘ 47 years, BB&T ‘ 31 years, GE ‘ 28 years, Atmos Energy – 16 years (they also provide a 3% discount on all shares purchased through dividend reinvestments), the ‘HOW’ you invest becomes automatic- you dollar-cost average into your holdings through the dividends provided by the companies every quarter.

The dividend is the one factor a company cannot ‘fudge’. The money has to be there to pay the shareholder. If a company can raise their dividend every year, the company MUST be doing something right! When a company has a long history of raising their dividend every year you in a sense eliminate risk, since a lower stock price for that company just means a higher dividend yield. If, for example, a stock purchased at $50.00 a share drops to $36.00 a share, the income provided by the dividend income accelerates, and your dividend reinvestment provides you a better dividend ‘bang for your buck’. There have been many up and downs in the stock market these past 47 years (I know, I’ve been in almost 40 of them) ‘ yet Proctor and Gamble has never failed to raise their dividend during those past 47 years. Below is an example of two types of investors that have $10,000 to invest in the stock market. One is a lump-sum investor, the other a dollar-cost averaging investor. One investor doesn’t care about dividends, the dollar-cost averaging investor does. Each investor took a different ‘HOW’ to invest and both investors had the same ‘WHEN’ when they invested. Let’s say they invested at the same time, each stock purchased at $50 dollars a share and every quarter the stock dropped $2.00 a share, till the stocks hit a bottom of $36.00, and then recovers back to $50.00. The lump-sum investor bought the fictitious company ABC, which does not pay a dividend, and the dollar-cost averaging investor purchased the fictitious company XYZ, which pays a quarterly dividend of 50 cents a share (a 4.0% yearly dividend yield), and the company had a history of raising their dividend every March for the past 41 consecutive years. Both purchases were made in January.

The lump sum investor bought 200 shares of ABC at $50.00 a share, watched the stock drop to $36.00, then recover back to $50.00 and when all was said and done ended up right where he started with 200 shares of ABC worth $10,000.

The dollar-cost averaging investor purchased 100 shares of XYZ in January for $5,000.00, (the stock paying a quarterly 50 cent a share dividend for a 4.0 percent yearly dividend yield), and purchased $1,000.00 worth of more shares every quarter for the next 5 quarters. Each quarter the dividend from the company was also reinvested into more shares of stock. Each March the company raised its dividend 2 cents a share, marking 45 consecutive years of rising dividends. All purchases were commission free. January, 100 shares of XYZ @ 50.00 a share = $5,000 $1,000.00 Stock price Div.Pur. Share Purchases March $48.00 .52/sh.=1.083 20.83 shares June $46.00 .52/sh.=1.378 21.74 shares Sept. $44.00 .52/sh.=1.714 22.72 shares Dec. $42.00 .52/sh.=2.098 23.81 shares March $40.00 .54/sh. 2.637 25.00 shs. June $38.00 .54/sh. 3.169 – 0 – Sept. $36.00 .54/sh. 3.393 – 0 – Dec. $38.00 .54/sh. 3.262 – 0 – March $40.00 .56/sh. 3.260 – 0 – June $42.00 .56/sh. 3.149 – 0 – Sept. $44.00 .56/sh. 3.045 – 0 – Dec. $48.00 .56/sh. 2.827 – 0 – March $50.00 .58/sh. 2.843 – 0 ‘

The dollar-cost averaging investor now owns 247.953 shares of XYZ. The value at $50.00 a share = $12,397.65. So, the lump-sum investor ends up right where he started, 200 shares of ABC worth $10,000, and the dollar-cost averaging invested ends up owning 247.953 shares of XYZ worth $12,397.65, along with the dividend income generated from owning those shares. Both had the same ‘when’ when they invested. The dividend yield at 58 cents a quarter (.58 divided by $50.00 x 4 x 100 =), a 4.64% yearly dividend yield. Every quarter every dividend received from the company was higher than the previous dividend, no matter what the stock price was at the end of the quarter. The dollar-cost averaging investor is receiving a dividend for the next quarter from XYZ (no matter what the stock price happens to be) of .58 X 247.953 shares = $143.81, and the next quarter (and every quarter thereafter) the dividend would be even higher if the company, at least, maintained their dividend. If XYZ repeated the same performance history ($50.00 down to $36.00, back up to $50.00) for the next 3 years, and ABC did the same- the HOW you invest in the stock market makes all the difference in the world. In the Stockopoly plan there are no commission charges, all stocks are purchased commission free. There is no need for a stockbroker (the tools needed for doing your own research are easily available and the where and how-to’s are included in the book); there are no hidden fees, load fees, operating, and management or advertising fees. There are no illegal trading practices, costing investors tens of million of dollars. (And the Wall Street Christmas bonuses will not be coming out of your pocket.) Every cent works for you in the form of increasing cash dividends every week, month and year. You’ll never pay too much for a stock, even if that stock is at a 52 week high. The WHEN you invest in the stock market is of little importance compared to knowing HOW to invest in the stock market, simply because the how over rules the when. In the Stockopoly plan you will discover HOW to use all the tools necessary to develop a concrete, definite plan of investing that will profit you and your family for the rest of your lives.

For more information and excerpts from The Stockopoly Plan, please visit www.thestockopolyplan.com

About the author: Charles M. O’Melia is an individual investor with almost 40 years of experience and passion for the stock market. Author of the book ‘The Stockopoly Plan’, soon to be released by American Book Publishing.

At this point everyone has weighed in with theories on how to turn the stock market around. Even president Bush has come through with his three reasons the market is in reverse. As I’ve said before his insistence that the market is down in part to the treat of terrorism is a big mistake. It actually gives the Osamas of the world more power and the ability to achieve their goals without implementing actual transgressions.

I’m going to outline a series of events listed in order that they have to occur that may have to happen before the market can sustain a rally. They are trust, accountability, economy, new thinking and earnings.

Trust: A Matter of Mea Culpa, Hara-kiri, and Open Kimonos

Mea Culpa

I think the biggest problem with the misdeeds of corporate titans that have been caught in the cookie jar is that none have come clean. It would be very refreshing if one would step forward and say he/she just let it get out of hand. However, the mea culpa isn’t just the necessary from those facing criminal conviction. To a certain degree we all played a role in the market’s demise. The individual investor will have to come to grips with the fact they threw caution, common sense and discipline to the wind. Most investors are blaming their brokers, but at the end of the day free will plays a role.

Then I’d love the media to admit they played a role. CNBC in particular has spent the last year and half acting like they weren’t part of the hype. They don’t want to admit they were the carnival barker, not just reporting on the events inside the tent.

Next there are the brokerage firms themselves that already were working in a Catch-22, as they had to answer to two masters; the individual client and the corporate client. Now they had to fend off the threat of the Internet, which became a Borg-like creature that changed the rules of Wall Street. In effect, it became the great California Gold Rush.

It isn’t about getting preachy, but we all say we messed up, I think we’ll all be back on track mentally. The dream of quick riches has been wiped out, but the dream of making money in the stock market is still intact.

Hara-kiri

In addition to coming clean some folks are going to have to go an extra step. I would say that not all of the CEOs that have failed shareholders did so with selfish greed and malicious intent.

The bottom line is that they probably have to be replaced. Not because they can’t learn from their mistakes, but because the underlying share prices will never recover, as question marks and doubt will always haunt them.

This brings up another dilemma, the thin talent pool. As the public rightfully screams for the beheading of CEOs and dismantling of too friendly boards few are considering their replacements. If you think baseball has been yielding too many homers in part to a thin talent pool, just imagine trying to field a thousand of so publicly traded companies? Developing a big-time CEO is harder than finding a person that can pitch a 100-miles an hour, plus steroids really don’t do much for the decision-making process of a corporate executive.

Open Kimonos

Obviously transparency is necessary going forward. Still this can be yet another tricky situation. From a broad perspective the greater the transparency of corporate America the better the quality of all things associated with the economic system. Not just the honesty of reporting but also of the end products. Consumers have been demanding such quality for a long time and they have been answered. Now shareholders will demand the same transparency that a car buyer wants to avoid buying lemons.

Accountability

Someone has to pay. America has always had a strange relationship with its would-be criminals. They love Bonnie and Clyde, Machine Gun Kelly and more recently John Gotti. Yet seem to loathe Ivan Bosky, Michael Milken and Gordon Gecko. This really goes back to a Robin Hood mentality that it’s okay for the underdog to take from the rich but not okay for the rich to take from the people. This is a lesson that Martha Stewart is learning the hard way (not to say she’s guilty of anything, but if she is’) with her current stock sale imbroglio. At the end of the day it really only becomes an inconvenience for those staying at Club Fed. The key is that the average person on the street needs to feel like there is some fairness in this world. Before getting back into the stock market those whose lives are marked with rules, regulations and spending time in traffic court to fight a ticket must see an equal distribution of justice.

Economy

The economy has to continue to grow. It is unreasonable to think that a transition from a recession to a would-be expansion could happen without a few bumps in the road. Of course with so many things going against the economy that have nothing to do with fundamentals it is hard to figure when the coast will be clear. A company like WorldCom says it may have fibbed to the tune of $4 billion dollars and the confidence in America suffers. That puts additional pressure on the dollar, a greater focus on the rating agencies to be even more aggressive in their downgrading binge. It causes net outflows in funds. It lowers the wealth effect and hampers the economy. Yet the American economy has an iron will. It will be dinked a few more times, but that is what will make the move into expansion that much impressive.

New Thinking

The mindset of the quick payoff has to be eliminated. I don’t think one can be a passive investor anymore. In fact, the same decisiveness that investors are demanding from the system, ratings agencies, brokerage firms, governing bodies and corporations themselves they should apply to their approach at the stock market. In a recent Business Week article it was noted that the turnover in NYSE issue in 1960 was just 12%, last year it was 94%. That means there isn’t always a lot of time to peruse or hesitate. In some ways it is unfortunate that companies aren’t allowed to evolve or reach their goals over a longer period of time. Yet this is the world we now live in and investors have to adjust.

Earnings

Much is made about the market still being over valued based on historic price to earnings ratios. This is because companies have no pricing power and are afraid to force the issue. Moreover there is still the inventory overhang and the fact that some industries are too crowed ‘back to the modern day baseball theory. Creative destruction and an improving economy are the only things that can make this situation improve. There are other ways to measure the worth of a company beyond the P/E ratio. However, in order to feed into the economy earnings have to be a tributary allow for job creation, research and development spending and an improvement in the wealth effect. The most compelling aspect of better earnings is that investors have to believe in the sincerity of the numbers.

About the author: Since 1991, Charles Paynes’ Wall Street Strategies has successfully provided timely and effective equity advice to institutional money managers, retail brokers and individual investors of all types, and has thousands of subscribers from hundreds of brokerage firms. http://www.wstreet.com Wall Street Strategies provides research online, including enhanced services and communication tailored to today’s fast-moving markets.

Robert Rodriguez likes to buy stocks at their lows. When there are not enough stocks hitting new lows, he closes his fund and piles up cash. This is what he has been doing lately. His moves deserve attention for good reasons, his $1.7 billion FPA Capital Fund has averaged an annual total return of more than 17% over the last 20 years, net of sales charge, handily beating all the benchmarks by wide margins.

As Robert Rodriguez finds slim pickings in the stock market, his goal has changed to capital preservation. The cash position in his fund has been in steady increase. On March 31, 2005 , it is at 34%. As a reference, between 1984 and 1997, his cash level was rarely above 5% and most of the time it was less than 2%. Now he is sitting on this big trunk of cash, awaiting opportunities. “You never know the value of liquidity until you need it and don’t have it.” He said, ‘This is one of those times when it takes a great deal of patience, discipline, and conviction to maintain such a contrarian position, because of the potential business and investment risk that it entails.’

Robert Rodriguez’ contrarian position in investment goes beyond adjusting the level of cash. He also reduces his fund’s weighting in the sectors or industries that he thinks are overpriced. He has done this before. The years of 1979 ’1981 was the time of the second oil crisis, oil and gas prices were soaring. Many “experts” were forecasting oil prices of $100 per barrel within ten years. Energy stocks were being valued as growth stocks and represented nearly 31% of the S&P 500′s market capitalization. Robert Rodriguez went to the contrary; he liquidated all his energy stocks and bought bonds. The oil mania resulted in large-scale capital destruction with virtually every bank in the state of Texas going bankrupt by 1987.

Robert Rodriguez’s contrarian investment style was tested again during the peak of the tech bubble. In March 2000, he analyzed the operating and stock market performances of Microsoft and Cisco Systems, made growth assumptions for them and the U.S. economy. He biased down the expected growth and valuation assumptions for each of these companies. The result was that Microsoft’s market valuation would increase to 36% of nominal GDP. Cisco’s expected market valuation would rise to 48% of nominal GDP. The combination of these two estimates would equal 84% of GDP by 2010. Apparently (now) the odds of this happening were not great. In light of these trends, he reduced his Fund’s exposure to technology stocks. We all know how that bubble ended.

So what sectors does he like or dislike right now? He has energy stocks at 19.3% of the Fund, it is between three and four times the weighting of the various indexes. This is the highest energy allocation that he has had since 1979, when he began selling this sector. Financial service stocks total 2.1%; the lowest allocation he has had in 35 years. His reason: financial sector is at or near-record representation in all the major indexes. Financial service companies represent nearly 21% of the S&P 500′s market capitalization — a 33-year high. They are among the largest components in other stock indexes as well. In terms of operating profits, they comprise almost 28% of the S&P 500.

In summarizing his contrarian investment style, Robert Rodriguez listed these key attributes:

Focus on market leadership or niche companies that are in industries that are perceived to be out of favor and unloved ‘ a bottom-up strategy. Select companies that have strong balance sheets ‘ typically with total debt to total capital of less than 40%. They must be at a significant valuation discount to the market and its historical valuation parameters. Acquire them at modest premiums to book value and at less than 1x revenues. They should be on or close to being on the new low list. Have a long-term investment time frame ‘ typically three to five years.

About the author: Dr. Charlie Tian, Director of Research of http://gurufocus.com, the website that tracks the stock picks of Warren Buffett, George Soros and other guru investors like Bill Nygren, Mason Hawkins, Ken Fisher, David Dreman, Martin Whitman, James Gipson, Robert Rodriguez, Ronald Muhlenkamp, Wallace Weitz, William, Ruane, Edward Lampert, Edward Owens, Richard Aster, Jr, Robert Olstein, John Keeley, Brian Rogers and Tweedy, Browne.

THE ALCHEMIST by AL THOMAS THE GREAT STOCK MARKET SECRET When the stock market is going up and all your stocks and mutual funds are making money you feel like a genius. It is too bad that some folks don’t remember what happened in 2000. Of course, right now we are in one of those genius phases. Your broker and financial planner are encouraging you to buy, buy, buy. And I can’t fault that at this time. You remember back in 2000 how many times they told you to buy, buy, buy while the market was going down, down, down. Are we in another of those periods now that are leading up to a humongous crash? Hey, I don’t predict, but I do listen to the voice of the market. The great Wall Street mantra is ‘buy a good stock and put it away’. Did you keep WorldCom and Global Crossing? Even if these were exceptions because of fraud a smart investor would not have lost any money. In fact he could have made a nice profit.But Al, they went under! Yes, I know, but the smart money still made out because they sold near the top. As a former exchange member and floor trader I was not right every time I bought something and I especially did not like giving back nice profits that had accumulated. You don’t have to be psychic to know when to sell and don’t think you are going to be able to pick the top. A really smart trader waits for a stock or fund to start up and then jumps on it with both feet. When it starts down he jumps off looking for another equity that is going up. The wise trader knows he can’t buy the bottom and sell the top. What he wants is a big bite out of the middle. When you make a sandwich most of the meat is in the center and a professional trader does the same with his trading. He wants to take a bite out of the middle of the move. You can do this too by looking for stocks, mutual funds or Exchange Traded Funds that have a nice upward pattern. As I said before buying is not the secret. Then what is? You must learn to sell – for two reasons.First to protect your equity after your initial purchase and second to keep from giving back profits you have made as the equity advances. The great Wall Street secret is an exit strategy: knowing when to sell. Unless you learn to sell will not be successful in the market. Brokerage companies do not want you to sell and rarely issue sell signals. You must decide how much you are willing to risk before you buy. The simplest way is with a percentage stop loss order of 5%, 7%, 10%, 12%, whatever you can live with. Instruct your broker to place a trialing stop or you can change it yourself every week. Do not lower a stop. Selling is the great secret you will never hear from your broker.

About the author: F*R*E*E investment letter www.mutualfundmagic.com Author of best seller “IF IT DOESN’T GO UP,DON’T BUY IT!” Never lose money in the market.Copyright 2004 Albert W. Thomas All rights reserved.Former 17-year exchange member,floor trader and brokerage company owner.

There are several factors an investor in the stock market should consider: 1. All stock purchases should be commission-free. 2. All stocks purchased should be from a company that has a history of raising their dividends every year. 3. The company should not only have a history of raising their dividends every year, but should also show price appreciation in the market place. 4. All dividends from these companies should be rolled-over into more shares of their company, until you retire. This should all be done by the companies, automatically, for the stockholder, commission-free. 5. The companies purchased should have staggered pay-out dividend dates, so dividend income by 12 companies will provide the shareholder a cash dividend income every week of the year. 6. A systematic approach of dollar-cost averageing into each stock (your dividends from each company will be doing this automatically)should be done on a quarterly basis. A savings plan should be adopted to add to your holdings every quarter, along with the the dividend reinvestment. 7. Stocks purchased should pay a dividend yield of at least 2.0% or better. A low 2.0% dividend yield isn’t necessarily bad because it means the company in question is using most of their profits to expand. In other words,it’s a growth stock with business, profits and earnings growing. A growth stock makes up for the lower dividend yield because their stock prices will more than likely rise faster. 8. The company should have been in business at least eight years, showing dividend increases each year. This will eliminate the risk involved in putting money into a risky new start up company (the type of company that is going to change the world- they are just too hard to find). 9. The company must have a stock dividend reinvestment plan (DRIP). If the dividend paid by the company is $2.63 for the quarter, all of that money will purchase a further percentage of shares(partial shares) and this is done automatically for you by the company or their transfer agent. 10. The companies you purchase should be purchased with the intent of realizing increasing cash dividends for you and your family for the rest of your lives.

Below is an ‘excerpt’ from my book ‘The Stockopoly Plan’ soon to be released by American-Book Publishing, and I would like to share it with you.

Have you ever noticed how some words in the English language are so perfectly named for what they describe? And how some words seem to be, I guess you could say, backwards? For instance, the word ‘sunflower’! How wonderfully aptly named is the sunflower, that beautiful yellow flower that follows the sun fron sunrise to sunset. And then there are those words in the English language where their meaning appears to be backward, so to speak – like parkway and driveway. When my car is parked at home, I would think it would be parked on, well, a parkway -and when I’m driving on the road somewhere, I would think I’d be driving on a – a driveway. In the stock market world, I think the word analyst is a perfect word in the English language and stockbroker sounds right to me ,too. And this leads me to what I call the brainwashing mantras of Wall Street. The brainwashing mantras of Wall Street may take the form of a number, such as a stock rating of 1, 2, 3 etc. Or the mantras may be a star, 1 star, 2 stars, 3 stars etc. The mantras may be a word or a group of words – attractive, unattractive, neutral, market perform, market out-perform, market-underweight, market equal-weight, market over-weight, sector perform, stong buy, buy, sell, strong sell. These mantras are so ingrained in Wall Street and investor’s minds that they have created multi-billion dollar industries. There are other types of mantras, such as RSI (relative strength index-a trading volume indicator), Bollinger Bands (named after its creator John Bollinger(he use to be a regular on CNBC)and the bands deal with the channel a stock trades in,in relation to its ‘moving average’- another mantra). Stochastics (used to tell if a stock is 75% over-bought – too many people have been buying) or 25% over-sold (too many people have been selling), Momentum, MACD (Moving Average Convergence/Divergence-price of the stock in relation, up or down, to its moving average, 50-day, 200-day moving averages, triple bottoms and tops, pendants, flags, bear and bull markets, head and shoulders formations, double bottoms, PE ratios etc,etc,etc. All these mantras serve a purpose -(and, I admit, if you are going to trade the market they are useful)- they create commissions! And in my opinion, have no meaning what-so-ever for the long-term, dollar-cost averaging, buying investor of company’s shares, free of commission charges, whose companies raise their dividend every year, with the investor’s idea or purpose being to provide an 85% tax-free income, through ever-increasing dividends for the rest of their lives, no matter what the price of the stock at any given time in the market place be. (Whew! What a sentence!)

Thomas Edison and the Stock Market Thomas Edison gave his definition of insanity: ‘Endless repeating of the same process, hoping for a different result.’ We are now seeing the stock market head down again as it did in 2000. Brokers, mutual fund managers and financial planners hopefully will not be repeating their same errors that cost investors seven (7) trillion (with a T) dollars. Unfortunately they will be working with the same deficient knowledge as before. The financial brethren have been taught to invest by the Wall Street tribe that has proven to allow huge losses for the small investor. Small is considered less than a 7-figure account. Any customer with less than $100,000 does not show on the radar screen. The old saw that brokers tell their clients that they will watch their account is pure horse hockey. The average broker has 300 accounts and only those in the seven figure range get their attention. Wall Street tells brokers to buy and hold. This obvious prevarication has been told so many times that is has become conventional wisdom. Just about every broker and financial planner believes it. If you are to make money in the stock market you must learn a new way to invest. Tom said you can’t keep doing the same thing. And I’m sure you don’t want to go thru those terrible declines that happened five years ago. Did you have a stock or mutual fund that dropped from its high 40, 50, 60% or more? I hope not. The top 50 mutual funds crashed 42%. Each $10,000 in your portfolio became worth $5,800. You could have saved most of the $4,200 if your broker had recommended a trailing stop loss order. When you bought your stock or fund did you have an exit strategy? Most folks don’t. Edison was always trying different approaches and when they did not work he quit them and tried something new. That is what you must do when investing in the stock market. If your equity goes down it is not working for you so you sell it to find one that does work for you. There are times when nothing is going up and that is when you will have sold everything and stand aside with your funds in a money market account. It may not make much, but at least you won’t let the market steal your equity. You don’t need to be as brilliant as Tom Edison to find a good stock during a bull market, but during a bear market it takes a super genius. During a bear market even the best stocks go down and many do not recover, Bernard Baruch, one of the greatest traders of all times, said the secret to his success was that he got out too soon. That may seem very simple, but he had the greatest gift of all traders. He had an exit strategy. Don’t join the other inmates in the Wall Street sanatorium by continuing to hold your equities as the market goes down. Learn to do something different to protect your investments.

About the author: Al Thomas’ best selling book, “If It Doesn’t Go Up, Don’t Buy It!” has helped thousands of people make money and keep their profits with his simple 2-step method. Read the first chapter and receive his market letter for 3 months at www.mutualfundmagic.com and discover why he’s the man that Wall Street does not want you to know. Copyright 2005

Money management in the field of stock trading is almost as important as stock selection. Without proper money management it is very hard to make money while trading stocks. And in fact poor money management can send your balance spiraling down faster than poor stock selection. Because if you hit a rough patch, where you are losing money, which always seems to come in faster torrents than winning streaks, than without proper money management, you will lose huge chunks of dough while floundering around for a plan.

If you have been reading articles by yours truly, and/or following our blog at , then you know, we trade exclusively in large cap stocks. And as I if I haven’t hounded on this point enough, one very nice thing about large cap stocks is their predictability, and frankly lack of volatility. Predictability is nice for trading and making profits. Lack of volatility is great for helping in money management. It is this lack of volatility that rarely will put you in the situation mentioned above, where, huge chunks of dough are being shredded, in the blink of an eye. But it can and does happen, and that is what you need money management for.

Because I trade in only large caps, I am extremely aggressive in money management. I was in the 90′s too, when I traded hi-techs, dot-coms, and bio techs too, and frankly that is what sunk me. Constant margin calls, forced me to sell or cover stocks that went against my position, and when trades did open up and looked like that ‘can’t miss’, I had to liquidate some other trade to open the ‘can’t miss’ one. All of this led me to becoming broke, and leaving stock trading for several years. But the reflection has paid off more handsomely than I could have ever guessed. So back to money management. I will tell you what I do, this is not a recommendation, just a presentation of ideas. But as we have earned over 50% per year for three years trading large caps, this money managemnt system actually increases that yield to close to 75%, and that is after commissions.

We generally have eight to nine open positions. Sometimes less, sometimes more. And we always use a margin account, which automatically will increase your returns, or frankly losses. To avoid margin calls, we use only half of the available margin in any one direction. So for example if we have a $10,000 stock account. Go ahead and figure eight positions for the time being, if you follow our blog trades and we go higher than 8, you might have to skip a couple of trades, until you liquidate, do not get in the happen of closing out one trade just to jump into a new one. As you know if you use margin you actually have $20,000 available to you, keeping half of your margin out of the market leaves you with $15,000 for trading. If you figure 8 trades, that leaves you investing about $1,875 per trade. Now most people think one cannot make money trading large caps, let alone only holding them for about a month. And only trading $1875 per trade. But our average trade through 2005 at the time of I am writing this has been just over 4%, per trade. At $1875 that is $75 profit per trade. Commissions now run as low as $7 per trade, I have actually seen some advertised that are lower, but we will use $7 (available at Scott Trade), so if you subtract the $14 to buy and sell from your $75 profit that leaves you with $59 in your pocket. And more money to trade with, you take your new balance and divide by 8 and viola your next trade will be $1886. And so it goes, on and on, you average trade earns you $59, you average trade lasts a month, your average monthly gain will be $640. But as your balance grows so do the size of your trades.

Two nice, very nice things happen as your average trade grows. One is the commission as a percentage of your trade drops, and two your account size grows exponentially.

Besides commissions, there is also margin interest, which runs currently at about 8% annually. Which on a $10,000 account will cost you about $66. So your $640 profit actually becomes about $575. On the plus side, since we are trading large caps, you will find dividends rolling into your account which offset your margin cost, but as those are random, and I don’t trade with them in mind, just call them a nice little bonus. Lastly there is the tax thing, which can hurt depending on your level of income. The Feds don’t give you a break on short-term profits, so expect to give some of this money back. But it is still better than digging ditches.

So that is how I decide how much to invest per trade. I actually divide by 10, and as aggressive as I am, I don’t leave 50% of my margin in reserve IF I am both long and short the market at the same time. If I am only long I do heed the 50% reserve, as a cushion. It also gives me money to short when it becomes likely there will be a short pull back, or to hedge against a pull back, but I don’t want to yet sell my longs.

As for losses, you can institute a stop-loss system on your positions, only wanting risk say a 5% pull back. I have tried that in the past, and most traders will swear you have to do it. But again since we are trading large caps, I no longer put in a stop loss. If a trade is obviously not going to make money, the last place I want to get out, is when I have had enough and can’t take it anymore. I will wait until the price rebounds a bit and then dump it. It is amazing how not panicking, can save you thousands in losses per year. Again this is where it pays to keep 50% of your margin off the table so you can temporarily absorb moves against your positions, without having to heed a margin call.

When a stock is moving in my favor I do lock in profits, however with moving stop-limit orders. On long positions I find I do almost as well locking 3.5% profit once a stock’s intra-day high is 5% above my entry price. I then keep moving up the stop-loss as the stocks highs become higher. Sometimes I use technical analysis to pinpoint where I think a stock’s rally will be over. But many times I find the stock hits that point and then re-rallies, so a pure percatnatge stop-limit system of exiting profitbale positions works very well. On shorts, I usually keep the stop-limits very tight, especially if the market is not in a downtrend. When a short moves against me, I tend to exit at the first sign of it’s next down ward move is ending. I don’t usually find shorts as profitable as longs, but I do use them. In other words I again wait for my short to move somewhat in my favor limiting the loss and then I cover.

Trade without fear and greed and you will trade better. A clear money management plan, will help you eliminate fear and greed.

About the author: CT Larsen has been trading stocks since 1990. Now trading large cap stocks exclusively. He has recorded three straight years of greater than 50% annual returns. You can read his blog at http://livingonlargecaps.blogspot.com.

The only way to find very good annuity is always to really know what kind of annuity anyone want. There’s 2 categories you must choose between 1st does one want a annuity that will gives you income these days or will you be trying to spend less pertaining to cash flow next week. Second of all an individual want an annuity providing you with the maximum a higher level security i.e. a fixed annuity as well as do you want to put up with some risk regarding greater return i.e. a variable annuity. Therefore we include 4 probable combo immediate as well as deferred and fixed or perhaps variable. We should look at the essential options that come with each type of annuity because once you know that from the a number of an individual want, selecting the right annuity because type becomes simpler.

IMMEDIATE-ANNUITIES are designed to pay out income right now. A lot of people who obtain immediate annuities pick a lifestyle earnings alternative so they really obtain regular monthly check for the remainder of life just like any Social Security check Individuals who are the majority of careful will go with a fixed immediate annuity that has fixed installments. Those who have significant in relation to the cost of living and price growing Paul make risk of the variable annuity that gives monthly premiums even so the monthly obligations vary in line with the functionality from the actual sub-accounts.
If you don’t need revenue these days although want to construct your current fortune to produce an income in the future, then you definitely opt for a deferred annuity. Once again from the deferred class there is an choices some sort of fixed or maybe variable. From the fixed decision, you will discover fixed annuities that can pay out the fixed rate of interest having alterations the moment a year or you will get those that pay a new fixed annuities-rates locked in for a lot of an individual many years. Variable annuities supply you with choice for larger return for carrying the upper chances. Variable annuities will give you food list of purchase possibilities from which you ultimately choose and when you end up picking you can generate profits. If your options beyond synchronization while using areas, you’ll be able to lose money. There are many present day improvements together with variable annuities, riders, of which for the expense, might help protect ones primary or perhaps revenue supply if your expenditure choices over mark.

When it comes to inquiring something including what’s the annuity rate, the issue doesn’t have any displaying when it comes to variable annuities as you can make a lot of money which has a variable annuity in a calendar month in addition to drop a good deal next. The annuity rate could make reference to some sort of deferred fixed annuity forking over point out 4%. You will never see immediate annuities quotation inside of annuity rate. Relatively immediate annuities are generally quoted seeing that sometimes a aspect or perhaps a monthly payment every $1000 used. The actual curiosity rate in today’s world the immediate annuity is all about 2% since, that is away you skated by simply quotations which in turn concentrate on the transaction and never the annuity rate.

Now that you’ve got some basic knowing you actually want to search out an experienced which could perform the looking for anyone. With regards to variable annuities, these are stock bought by simply stock representatives. When you initially match the securities adviser request what number of various variable annuities have they got use of. Should the numbers certainly not no less than six to eight, they are unable to complete very much looking for an individual. In the same way, in case you choose a fixed annuity ask the number of annuities the realtor features entry to and if not really the vast majority endless weeks of frustration come across an independent agent along with a lot greater accessibility.

Financial markets provide their participants with the most favorable conditions for purchase/sale of financial instruments they have inside. Their major functions are: guaranteeing liquidity, forming assets prices within establishing proposition and demand and decreasing of operational expenses, incurred by the participants of the market.

Financial market comprises variety of instruments, hence its functioning totally depends on instruments held. Usually it can be classified according to the type of financial instruments and according to the terms of instruments’ paying-off.

From the point of different types of instruments held the market can be divided into the one of promissory notes and the one of securities (stock market). The first one contains promissory instruments with the right for its owners to get some fixed amount of money in future and is called the market of promissory notes, while the latter binds the issuer to pay a certain amount of money according to the return received after paying-off all the promissory notes and is called stock market. There are also types of securities referring to both categories as, e.g., preference shares and converted bonds. They are also called the instruments with fixed return.

Another classification is due to paying-off terms of instruments. These are: market of assets with high liquidity (money market) and market of capital. The first one refers to the market of short-term promissory notes with assets age up to 12 months. The second one refers to the market of long-term promissory notes with instruments age surpasses 12 months. This classification can be referred to the bond market only as its instruments have fixed expiry date, while the stock market’s not.

Now we are turning to the stock market.

Stock market As it was mentioned before, ordinary shares’ purchasers typically invest their funds into the company-issuer and become its owners. Their weight in the process of making decisions in the company depends on the number of shares he/she possesses. Due to the financial experience of the company, its part in the market and future potential shares can be divided into several groups.

1. Blue Chips Shares of large companies with a long record of profit growth, annual return over $4 billion, large capitalization and constancy in paying-off dividends are referred to as blue chips.

2. Growth Stocks Shares of such company grow faster; its managers typically pursue the policy of reinvestment of revenue into further development and modernization of the company. These companies rarely pay dividends and in case they do the dividends are minimal as compared with other companies.

3. Income Stocks Income stocks are the stocks of companies with high and stable earnings that pay high dividends to the shareholders. The shares of such companies usually use mutual funds in the plans for middle-aged and elderly people.

4. Defensive Stocks These are the stocks whose prices stay stable when the market declines, do well during recessions and are able to minimize risks. They perform perfect when the market turns sour and are in requisition during economic boom.

These categories are widely spread in mutual funds, thus for better understanding investment process it is useful to keep in mind this division.

Shares can be issued both within the country and abroad. In case a company wants to issue its shares abroad it can use American Depositary Receipts (ADRs). ADRs are usually issued by the American banks and point at shareholders’ right to possess the shares of a foreign company under the asset management of a bank. Each ADR signals of one or more shares possession.

When operating with shares, aside of purchase/sale ratio profits, you can also quarterly receive dividends. They depend on: type of share, financial state of the company, shares category etc.

Ordinary shares do not guarantee paying-off dividends. Dividends of a company depend on its profitability and spare cash. Dividends differ from each other as they are to be paid in a different period of time, with the possibility of being higher as well as lower. There are periods when companies do not pay dividends at all, mostly when a company is in a financial distress or in case executives decide to reinvest income into the development of the business. While calculating acceptable share price, dividends are the key factor.

Price of ordinary share is determined by three main factors: annual dividends rate, dividends growth rate and discount rate. The latter is also called a required income rate. The company with the high risks level is expected to have high required income rate. The higher cash flow the higher share prices and versus. This interdependence determines assets value. Below we will touch upon the division of share prices estimating in three possible cases with regard to dividends.

While purchasing shares, aside of risks and dividends analysis, it is absolutely important to examine company carefully as for its profit/loss accounting, balance, cash flows, distribution of profits between its shareholders, managers’ and executives’ wages etc. Only when you are sure of all the ins and outs of a company, you can easily buy or sell shares. If you are not confident of the information, it is more advisable not to hold shares for a long time (especially before financial accounting published).

About the author: Dr. Goldfinger www.financegates.com

This article can be reprinted for free. To reprint this article, please, include the following code: FinanceGates: financial advice. Educational articles, financial news and reviews on investing, personal finance, stocks, funds.

Stock Market Investment Advice: “The Two Most Profitable Secrets of the World’s Greatest Investors”

Investing today is not for the faint of heart.

Finding the right stock has never been harder, much less getting truly helpful stock market investment advice. Yet investors keep plunking money down like there’s no tomorrow. Why?

For one thing, the ease of trading is like a siren’s call. No longer is investing a mysterious financial play made by only those in the know. Today, the image of the investor is that of the day trader, an average Joe attempting to amass a fortune from the comfort of his own computer. But ease of investing is only a part of the story…

The real reason we keep pouring money into the markets is that we’ve seen lightning strike before. We were either in on it, and loved the thrill; missed out on it entirely and can’t let that happen again; or even worse, latched onto a tech rocket, rode it to the top, then held on until it crashed back down in a blaze of worthless paper.

Lightning Can Strike Twice… And We Want In

Like you, we know there are winners out there still’but they’re increasingly hard to find. So when we do find a profit rocket, we want to be able to grab on to it with both hands and ride it to the stars. Then, just as importantly, we want to know when to get out’so our profits don’t burn up on re-entry.

In this white paper, you will learn about two of the investing secrets shared by more than 99% of the world’s most successful investors’the key to letting you squeeze every cent of profit from your winners and to getting out with your profits intact. And you’ll learn about a technique used by the world’s greatest investors to take your winning investment and ratchet up the profits.

Advice from the Good Doctor

Oxford Club Investment Advisory Panel member Dr. Van K. Tharp is “coach” to the world’s greatest investors and traders. These superstars come to Dr. Tharp (he has a three-month waiting list according to USA Today) for stock market investment advice that will lift their profits to even higher levels. He was profiled in Jack Schwager’s best-selling book, Market Wizards: Interviews with Top Traders’in fact, Dr. Tharp was the only trading coach included!

During the past 20 years, Dr. Tharp has accumulated psychological profiles on over 4,000 investors from all around the globe. To maintain current profile data, he has conducted many follow-up interviews with them. In addition, he has conducted extensive, in-person interviews with many of the world’s best investors and traders.

The goal of all this work was to find the elements of investing success these superstars had in common. What were the things they all did that helped them pull in far more money than ordinary investors?

If he could isolate those techniques that were shared by the world’s greatest investors, Dr. Tharp believed he could unlock the very essence of investment success.

Remarkably, Dr. Tharp discovered that these great money makers had hardly anything in common. They invested in different kinds of stocks, some liked commodities, others favored precious metals, many dabbled in currencies’and almost all had their unique systems for investing.

And of course this made the two things they did have in common all the more precious…

Dr. Tharp found that out of all the techniques, strategies, and systems these great investors used, only two had strong appeal across the board’but these two were used by a full 99% of these investors. In other words, they disagreed on almost everything else’but a full 99% believed that these two techniques were essential to their success.

And these are the techniques we’ll be looking at today. Once you’ve learned these strategies and start applying them to your investments, you will be in the fortunate position of being able to greatly multiply the returns you’ve been accustomed to pulling in from your investments.

Now’let’s start ratcheting up your profits with stock market investment advice and secrets from the world’s most successful investors. Secret #1: Never’Ever’Lose Big Money in the Stock Market

Buying stocks is easy. Anybody can do that. The hard part is knowing when to sell. And very few people know how to do that. We’ve all made expensive mistakes’either missing the full upside by selling too soon, or taking a huge loss by holding a falling stock too long.

Let’s face it. Most people don’t know when to sell a falling stock. So they’re frozen into inactivity, saying, “Should I just keep holding and hoping, or should I cut my losses now?” And there’s no reliable crystal ball to tell anyone when a rising stock has peaked.

The problem that causes both these mistakes to happen is simple: Ordinary investors are ruled by emotions. And the only way you’re ever going to join the highest echelon of the world’s best investors is to strip all emotions out of your decisions.

Greed… fear… worry… nervousness’all these feelings have to go.

Here’s our advice on how to do it…

While you’ll never be able to sell at the peak each and every time you invest, or ensure that you never buy a stock that subsequently falls dramatically, there is a secret weapon that is proven to get you the lion’s share of any move.

When you buy a stock, you buy it with the intention to sell it for a profit some time in the future.

In order to do so successfully, you should put as much thought into planning your exit strategy as you put into the research that motivates you to buy the investment in the first place.

At The Oxford Club, we call this our “Trailing Stop Strategy.”

All great traders and investors consistently cut losses short and let their profits run, and Dr. Tharp has found that trailing stops are one of the easiest and most effective ways of doing that. In this White Paper you’ll see many examples from our own files of actual recommen-dations, ones selected specifically because they show how well this technique works.

You’ll also see how bad things can be if you don’t use it.

You, the Successful Investor

In business and in the stock market, you’ve got to have a plan, and you’ve got to have an exit strategy. At The Oxford Club, we know in advance exactly when we’re going to buy and sell. Our strategy allows us to ride our winners all the way up, while minimizing the damage our losers can do. Before I get into our specific strategy, consider this business example.

Let’s say you’re in the T-shirt business. You’ve made a ton of money on your T-shirt business in the states, and you’re now in The Bahamas looking for new opportunities. You size up the market, and you figure you can make money in two places: in golf shirts, geared at the businessman, and in “muscle-tees,” geared toward the vacationing beach-goers. These are two products clearly aimed at two different markets.

You invest $100,000 in each of these businesses. At the end of the first year, your golf shirts are already showing a profit of $20,000. But the muscle-tees haven’t caught on yet, and you’ve got a loss of $20,000. There are numerous reasons why this is possible, so you make some changes in your designs and marketing and continue for another year.

But in the second year the same thing happens’you make another $20,000 on your golf shirts, and you lose another $20,000 on your muscle-tees.

Now let’s say you’re ready to invest another $100,000 in one of these businesses. Which one business do you put your money into?

The answer is obvious. You, as a business owner, put more money toward your successful businesses. But as you’ll see, this is the opposite of what 99% of individual investors in America do.

You, the Successful Stock Market Picker

What does “owning shares of stock” actually mean? This isn’t a trick question’as you know, it means you’re a partial owner of the company, just like you’re the owner of the t-shirt company in the example. Owning your own business isn’t any different than owning a share of a business through stock.

Let’s say the shares of your two shirt companies trade on the stock exchange. They both start trading at $10 a share. At the end of the first year, the profitable golf-shirt company is trading for $12 a share, and the unprofitable muscle-shirt company is trading for $8 a share. At the end of the second year, the golf shirt company is trading at $14 while the muscle-shirt company is trading at $6 a share. Which shares would you rather own?

Even though you know you should buy the winning concept in this business example, most investors don’t do so in their stock investments. They keep throwing good money after bad hoping for a turnaround. They buy the “cheap” stock’the loser.

The Trailing Stop Strategy

In the stock market, you must have a strategy that makes you methodically cut your losses and let your winners ride. If you follow this rule, you have the best chance of outperforming the markets. If you don’t, your retirement is in trouble.

Our plan is to ride our stocks as high as we can, but if they head for a crash, we have our exit strategy in place to protect us from damage. Though we have many levels of defense and many reasons we could sell a stock, if our reasons don’t appear before the crash, the Trailing Stop Strategy is our last-ditch measure to save our hard-earned dollars. And, as you’ll see, it works well.

The main element to The Oxford Club’s trailing stop strategy is a 25% rule. We will sell positions at 25% off their highs. For example, if we buy a stock at $50, and it rises to $100, when do we sell it? When it falls back to $75, or 25% off our high.

So with our Trailing Stop Strategy, when would we have gotten out of the muscle-shirt business? You already know the answer. Remember the shares started at $10 and fell immediately. Instead of waiting around until they fell to $6 as the business faltered, using your 25% trailing stop, you would have sold out at $7.50. And think of it this way’if the shares fall to $8, you’re only asking for a 25% gain to get back to where they started. But if the shares fell to $5, you’re asking for a dog of a stock to rise 100%. This only happens once in a blue moon’not good odds!

Advice on When to Buy Stock

Have you ever seen Coke or Microsoft selling at a single-digit P/E ratio? Me neither. And these aren’t isolated cases. The fact is, by hoping to buy super-cheap, you would have missed out on many of the greatest investment opportunities of our time. To make the big bucks in the best investments you’ll have to forget “buy low, sell high.” The new Oxford Club investment rule is “buy momentum, sell higher.”

We like to buy companies on the way up. It usually means the company is doing something right. It’s equivalent to your golf- shirt business in The Bahamas. Let me explain.

Let’s say that you and I believe in the idea of a three- wheeled car, and the price of the stock in the company that manufacturers them is at $30… but falling. When do we invest? At $30? $20? $10? $5? We don’t know how far this thing will fall. We want to buy when there’s some inkling of a market confirmation of our idea.

There is no price that’s the right price. Take $10 for example. I’d be a buyer at $10 if our three-wheeled car had fallen to $5 first, and then the stock started to take off because Ford was going to take it over. But I’m not a buyer at $10 if it’s one stop on the way down’the last stop on that elevator could be the basement. The bottom line is this: I don’t want to buy dreams alone’I want to buy dreams that are turning the corner to reality.

We’ve got a complete buy and sell strategy for all’every single one’of our stock positions.

Here’s How Our Trailing Stop Strategy Works

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Gold prices climbed more than $18 on the New York Stock Market as of 11:40 a.m. to their highest level in more than one week on a weaker dollar and increased confidence that Eastern and Western European leaders will ultimately solve the Eurozone debt..

I remember the first time I started to trade online. It was just before the tech bubble of the late 1990′s and the internet was still something new for most people. Purchasing the now forgotten company was easy, and I made a few dollars on that trade. It was so excitingly simple.

Flash forward a couple of years and I have made and lost my share of money. While still ahead of the game, I learned a few things about online stock trading. Freedom is great, but it comes at a cost. Lets have a look at the benefits and the trade offs of online stock trading:

The Benefits of Online Stock Trading Low commissions ‘ for most people, this is the number 1 benefit of investing online. For $9.99 or less, you can buy and sell your favorite stock. Full service brokerage fees are usually over $100. If you are an active trader, that can start to eat up your profits very quickly. For every $10 000 you invest, you have to make 2% ($200 – $100 to buy and $100 to sell) just to break even.

Quickly act on price moves ‘ another great benefit of online stock trading is being able to quickly act on price moves. With the click of a couple of buttons, you are able to take advantage. With a full service brokerage, you’ll have to call first, explain what and why you want to trade that stock and then wait to see what price you were filled it. Odds are, you may have missed the best entry point, and paid 10x the commission for that privilege.

No middle men ‘ No justifying why you want to trade, no having to have someone suggest that a stock might be too risky. You call the shots.

Information ‘ at your fingertips online stock trading can bring much needed and real time info that can help you when to buy and when to sell. Technical charts, real time prices and information sharing can be easily accessed online.

The Drawbacks of Online Stock Trading No middle men ‘ while I just listed this as a benefit, its also a drawback. The majority of my losses were from stocks that did not meet my investment plan but were simple stocks that were being pumped and hyped up. Often, you end up buying a stock that is moving higher, and end up having to sell at a loss. When you trade at a discount broker, there is no stopping you from making a mistake. With a full service brokerage, your financial planner can help filter out the bad plays from the smart ones. This advice alone can more than make up for commission fees.

Investment Plans ‘ online stock trading doesn’t automatically come with an Investment Plan. Why are you buying a stock? What is your exit plan if things don’t go right? Will you use margin? Will you buy penny stocks (and if so, what percentage of your portfolio will be at risk)? A full service broker can help create an investment plan. Trading outside of your risk tolerance is one of the biggest risks your portfolio will face.

The best suggestion I can make for you is to look at a combination of both. Trade stocks online, but talk to an investment planner, develop an investment and trading plan first. While you may have to pay for his time, your trading plan will help you to avoid unnecessary risk when you on online stock trading.

Stock market is an inquisitive place for many. It is because the place has given birth to many millionaires and is also responsible for turning millionaires to locals. Thus the bulls and bears have always been charismatic. Now millions of people invest in the stock market to make good money. The aura of the place is such that it is swarming with people any hour of the day and any season of the year. But only few know that how the stock market came into existence or what actually are its origins.

A short encounter with the past

The oldest stock certificate was issued in favor of a Dutch company in 1606. The purpose of this company was to benefit from the spice trade between India and the Far East. During the 18th and the 19th centuries the trade of spices drifted to England when Napoleon reigned over the place. With the development of United States of America as a colony to British and Alexander Hamilton (the first US secretary of the Treasury) flourished the American Stock Exchange. Hamilton played a crucial role in encouraging the trading in the Wall Street and Broad Street in New York. The New York Stock and Exchange Board now popularly known as the New York Stock Exchange was organized by the traders of New York in 1817 when trade and commerce bloomed there.

A precise survey of the Western stock market

* The Wall Street- a place where the whole of 18th century trade and commerce took place, Wall Street is a recognized place across the globe. The street was termed as Wall Street since it ran alongside a wall that was taken as the northern boundary of New Amsterdam in 17th century.

The Wall Street is known for the J.P. Morgan’s million dollar merger that created US Steel Corporation, the ruinous crisis that resulted in Great Depression and the “Black Monday” of 1987.

* The NYSE or the New York Stock Exchange is perhaps the foremost and so the oldest stock exchange in United States that is believed to be born in 1792. The significant aspects related to NYSE include the Buttonwood Agreement when 24 stockbrokers and traders of New York signed this accord and established the New York Stock Exchange and Securities Board which is now recognized as the NYSE; the considerable swings that the NYSE saw during the 20th and 21st century; the hitting of the 100 and later even 1000 mark by the Dow around 1971 and the mark of 10,000 that the Dow scaled in 1999.

* NASDAQ is the National Association of Securities Dealers Automated Questions. It is an apparent or virtual stock market where all trading is done through the electronic media. NASDAQ, the global and the largest electronic stock market today was first established in 1971 in United States at the time when computers were not as developed as they are today and it was very difficult to compute. The main exchange of NASDAQ is in United Sates while its branches can be found in Canada and Japan and it is also linked to markets of Hong Kong and Europe. NASDAQ functions by purchasing and selling the over- the- counter or OTC stocks.

• AMEX-was discovered in 1842. The putative father of the institution is Edward Mc Cormick (the commissioner of SEC) who endowed it with its current name. It started its journey as the New York Curb Exchange and its name is factual. The AMEX in contrast to the NYSE operates with the small and more dynamic companies some of which even make it to the NYSE board.

The first point to mastering money management is that you have to understand when you’re trading on the stock market is that you are playing the odds – but unlike many forms of gambling, you can make money. The key to making this money is to respect the risk that is part of the market, and manage it. Money management is a set of rules and guidelines that enables you to turn a profit. By being triumphant with your money management skills, you can keep your risk at a level at which you’re comfortable with, keep from making poor trading decisions, and ensure you don’t loose your trading capital. This is why it is so important to follow money management rules.

Why do these money management rules work? You know, it’s funny. I once thought I had a fool-proof way of making money on roulette. You see, I’d bet on red and black. I’d sit at the table. After the ball had landed on black or red five times in a row, I would start betting on the opposite color.

Let’s say I had five reds in a row. I would then start to bet on black. If I was wrong, I would go ahead and double down, so that if I started my bet at one dollar, the next time I would be able to bet two dollars, then four dollars, then eight, then 16. With this system, eventually I’d win and I’d come out one dollar ahead.

So, here I am at 23 and I’ve set up my computer program to test my theory. I made a ridiculous amount of money in the program. I really thought I had the Holy Grail here. But, if it’s so easy for an 23 year old to figure it out, why aren’t all the casinos out of business and why aren’t we’re all millionaires? Unfortunately, roulette doesn’t work this way.

You see, if we’re flipping a coin, heads has a 50 percent chance of turning up on each flip of the coin and so does tails. But, each flip is independent of the last. The last coin toss has nothing to do with the one before it, each flip is a random event. This means it’s possible to get a hundred heads in a row if you do it long enough, and believe it or not, that’s what happened to me. When I first played roulette in a casino, I saw a string of 23 blacks in a row. I went home defeated.

Trading is the same. A percentage of your trades will not work out. A certain percentage will not go in your favoured direction, and the next trade has nothing to do with the last one. Even if you have the world’s most accurate method, over time you will go broke if you don’t practice good money management. Money management rules include defining your trading float, setting your maximum loss, calculating your stop loss, and most importantly learning how to choose your position size. Once these rules are in place, it’s important to stay with them. They will keep you from making snap decisions, and playing the odds longer than you should. This is why money management rules are a critical part of any effective trading system.

You know the old joke:

“How do you make a million in the stock market? Start with two million?”

There is no way around it, risk and stock market fees are a part of trading that you can`t avoid. But, you can manage your risk. You can also manage the brokerage stock trading fees that eat away at your trading float. All it takes is some planning and making good choices.

If you think you`re ready to start trading, look carefully at where you`re getting your money from. Maybe you`ve been considering trading for a while and built up some savings. That`s good planning. Or maybe you`re considering borrowing money. This is generally a bad idea. Maxing out your credit cards is a quick and easy way to get cash, but the effects can be devastating.

It`s hard enough to worry about making trading profits along with the stock market fees you have to pay. But, worrying about the debt servicing on your credit cards builds too much stress. You will be too concerned with making payments to be concerned about good trading. Don Miller talks about this in Trading Markets World Meet the Traders when he tells new traders to worry about trading well, not making money. One of the best ways to learn trading is to begin on a part-time basis. This allows you to hone your skills while you still have an income stream. As a trader, you need to realize the risk you`re taking by simply putting your money into the market.

With good money management, you`ll be able to limit your risk. But, there is a kind of risk that can`t be minimized, and that`s “market risk”. This is the risk that the market might not be there tomorrow. Just by putting money in the market you are putting it at risk, so make sure you only trade with money you are willing to lose. This isn`t to say that you are going to lose all your capital – it`s just to say that you need to be able to focus on trading well, not trading to make money. See, you can only do this if you work with money you can afford to lose.

Once you`ve got your capital together, you can consider the next barrier to trading, stock trading fees. Although there is no perfect amount of capital to start trading with it`s no secret that the bigger the trading float you begin with, the easier it is to trade and the less percentage of stock trading fees you will have to pay. This is because of the single biggest expense in trading – brokerage stock trading fees.

Every broker has many different stock trading fees, but many charge flat stock trading fees per trade. These flat stock trading fees are easier on traders with larger fund sizes. For example, to obtain a better understanding on how stock trading fees work, let`s consider two traders. One is starting with an opening position of $1,000 and the second is starting with an opening position of $10,000. All traders are charged flat stock market fees of $100. So, our first trader, with a position of $1,000 has to make back ten percent of his float on each trade before he breaks even. But, our second trader only has to realize a one percent gain to reach his break-even point. This doesn`t mean that you can`t start trading with a smaller float, but if you do you are at a bit of a disadvantage.

However, you can use your trading float size to help determine your trading system. If you have a very small trading float, it`s recommended that you look at a long-term system. With a long-term system, you will be incurring far fewer stock trading fees. A short-term system, where you are receiving lots of buy and sell signals will chew up your trading float very quickly with the cost of the different stock trading fees.

This is why short-term systems, such as day-trading, are best suited to larger trading sizes – it is easier on the stock trading fees. I actually recommend that when you begin trading that you look at a longer-term system. You can manage a long-term system while still working full-time. Once you are successful with the long-term time frame, you might look at moving to a shorter-term system and focussing more time on your trading.

You can mange both risk and stock trading fees with planning, and by making good choices. Your level of capital will be set by what you can afford, and what you are comfortable risking. How that capital grows will be set by the time-frame of the systems your planning to trade, and the instruments you trade with. from winter’s barrenness, they desert us too quickly!

Stock trading keeps getting competitive and the stock market doesn’t care if you are experienced or a newbie stock trader. The rules and the opportunities are the same every day, so either youre going to make money stock trading or you are going to lose it in favor of the more seasoned ones.

As a stock market trader your homework is all about studying and testing different trading strategies that can help you take advantage of stocks and at the same time protect your gains. Just always keep in mind that a good strategy is simple and practical. Complicated stock systems will always make you slow in your decision making process or confuse you from the start.

There are some very good sites on the web where you can access practical trading strategies that are easy to implement. One of those sites is Smart Day Trading

They focus on short term momentum stock trading tactics that can help you identify and handle hot stocks while reducing your trading risk.

All in all, stock market trading is all about picking the best stock opportunities and following your buy and sell signals with ease and simplicity. Once you learn to master your trading decisions, you can aspire to produce consistent profitable results.

Learn how to do it the Smart way at Smartdaytrading

About the author: Thomas Blodget is a UK based momentum day trader focusing on US markets since 1984. He helps people become confident and practical momentum traders, showing them how to choose stocks with ease and simplicity every day at the place