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While many people pursue retirement planning to help make sure they have a respectable retirement nest egg and an satisfactory level of retirement income, once you get into it, you realize there may be some other priorities that help you put more cash in your pocket. One of those objectives might be to minimize or eliminate the amount of Social Security tax you pay. Specifically, you are taxed on your Social Security income based on your overall amount of eranings and what components make up that income.

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If you are unmarried, you start to pay Social Security Tax once your provisional earnings exceeds $25,000 for the year. In the event that you are married that level is $34,000. The domain registration income tax rate advances once the income surpass $34,000 and $44,000 respectively. Observe that for purpose of minimizing this specific tax shifting dollars from say any taxable traditional bank deposit to a tax-free bond won’t help. On the other hand shifting funds from a taxable bank account into a tax deferred as well as an immediate annuity will help since the deferred or non-taxed portion of annuity payments will not be included in provisional income. Realize that there isn’t any basis for this–it’s simply the approach, Congress designed the taxation of one’s Social Security income. But once you know that, you can superior investment judgements within your retirement plan to pay less income tax.

We have produced a Social Security tax calculator to assist you take care of your retirement plan to lessen your Social Security taxes. Over time, we have calculated many situations through this retirement calculator. We have found that on many occasions moving from other conservative investments into fixed annuities can significantly lessen if not eliminate the taxation on Social Security income. In fact, if an annuity provides you four percent interest, the tax advantage that accrues from the savings of Social Security taxes can amount to yet another two percent of equivalent income so that the advantage of the annuity may be a six percent rate of return.

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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.

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

Of all the aspects of stock trading, one of the most difficult is deciding what size position to open. Unless you are using a strictly mechanical system that explicitly defines your trade size, figuring out exactly how much of your hard earned cash to ‘put on the line’ can be extremely hard to decide. Rules of thumb such as ‘never risk more than 5% of your portfolio’ are fine, but may leave you in the dust on fast moving days. As we here at www.traders101.com would say, faint heart never won fair lady, yet look before you leap! Oftentimes, what looks like an average trade starts to run away as the stock market climbs, and you end up wishing that you had taken a large position. And conversely, if you get it wrong, you can end up banging your head against your computer screen and wishing forlornly that you had been a little more ‘prudent’ in your trading size.

Not to worry. There is, in fact, a fairly simple formula you can use to determine the correct position size for your stock trades, as long as you are looking for long term growth. Known as the ‘Kelly Formula’, this is a useful little equation that is simple to understand, and simpler to apply. You will need to have done some trades before, and have the stats at hand (the ratio of your winners to losers, and the size of those winners and losers). Lets say that ‘WP’ means ‘Winning Percentage’ and ‘WL’ means ‘Historical Average Win Size divided by Historical Average Loss Size’. The ‘Kelly Formula’ is then:-

Kelly Forumula = ((WP * WL) – (1 – WP)) / WL

Ouch! Scary maths! Not! To understand this formula, let’s take an example, based on a series of 15 trades. Lets say that you made money on 10 of these trades, at an average of $200 profit per trade, and lost money on 5 at $100 per trade (you cut your losses! Good man!). Substituting the figures into the formula, we have:-

An average win size of $200, an average loss size of $100, so the ‘WL’ number is 2. The Winning Percentage (or ‘WP’) is 10 / 15 or 0.67

Kelly = ((0.67 * 2) – (1 – 0.67)) / 2

The result is 0.505. In other words, if your win / loss ratio is consistent, you will maximize your returns by only risking about 50% of your equity on each trade. Now the problem you can see is that risking anything above 5% or 10% of your equity on a single trade would be regarded by most traders (and certainly everyone at www.traders101.com) as insanely brave. So the next step is to ask yourself ‘What is the absolute maximum I would be happy losing on a single trade’? You then multiply this absolute maximum drawdown by the Kelly number and voila – your position size. If your maximum acceptable drawdown while stock trading is (e.g.) $1000, then your optimum position size would be 1,000 * 0.505 = $505.

What about if your winners were only good for an average of $100, whereas your losers ate up an average of $120? Let’s have a look. The ‘WL’ number is 100/120 = 0.83. The ‘WP’ or winning percentage is still 0.67. The substitution then gives you:-

Kelly = ((0.67 * 0.83) – (1 – 0.67)) / 0.83

which is 0.274 or about 27.5%. Multiplied by your ‘maximum acceptable drawdown’ of $1000 this is $275. So as you can see, the formula adjusts as your ratio of winners to losers changes, and also as the size of your winners and loser changes. One final note – this topic ties in with ‘Expectancy’. Expectancy is defined as:-

(% of wins x Avg Win Size ) – (% of Losses x Avg Loss Size) = Expectancy

Just remember that you should NEVER trade with money you aren’t prepared to lose!

About the author: Trader Jack likes to write for www.traders101.com – the free stock trading site from traders Initiative helping traders get up to speed fast!

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

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.

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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.

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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

The bulls and bears of the stock market are both tempting and scary to the investors. Speculators are enchanted by the stock market’s potential to help them in making quick money with a big M. While those who tread with care and caution, often shy away for fear of losing. However, the stock market is not all about speculative gains or black Tuesdays. It is a place where committed companies look for raising money to fund their activities. Serious investors can actually create wealth not only for themselves, but also for the companies and the nation. A wise way to invest in the stock market is to empower your self with information. You have to know and learn about the company you invest in, from past records and future plans.

Irrespective of what the Wall Street Gurus predict or what the economic indicators like Dow Jones Average say, a simple and foolproof way of knowing that a company is doing well is to keep a track of how much dividend income does it pay to its share holders every year. If the dividend rates have been rising steadily every year, you know you have a safe bet. To benefit from the future prospects of such companies, it is a good idea to rollback the returns into the company. Which means, instead of adding the dividends to your savings, you can invest them in the shares of the same company. That way, you can ensure that the dividends you receive are always higher than what you got last, with a larger number of shares getting added to your investment portfolio every time.

With this kind of an assured investment plan in place, investors with a gambling streak begin to think beyond making a quick gain. While those who were afraid to take risks get wiser.

Let us find out why companies that give ever-increasing cash dividend income are a good choice for investment:

Your Share Holding Goes Up And So does Your Dividend Income. Your income begins to escalate with your owning more shares every year and the dividend income rising correspondingly.

Your Dividend Income Increases Even If Stock Prices don’t. You are no more at the mercy of the market. Irrespective of what your shares are worth, you keep earning additional cash dividends. In fact, even if the market price dips, you are still at an advantage, as that allows you to reinvest to purchase more shares.

You are not hit by Inflation. With the dividend income rising every year, you offset the effects of a rising inflation. This particularly provides relief to people who have retired and depend on a regular cash inflow to help them meet their expenses. At this stage one need not rollback the investment into further shares, instead, the cash dividend can be used as a kind of regular pension money.

Start Young The ingenuity behind this investment strategy is that it protects you from the fluctuations that generally occur in the market. A lower stock market rate only means you buy more to increase your dividends more. It is advisable to start this strategy early in life while you are still working, so that your wealth builds up gradually and constantly over the years. And you are assured of a regular income, as you grow older.

Remember, the success of this proven investment plan depends significantly on the track record of the company you invest in. It should be one that declares a higher dividend at the end of each financial period. A simple way to find that out would be to calculate the dividend yield. You can do that by dividing the annual dividend per share by the price per share. Of course, no investment can be totally free of risks, neither is this one. Keep an eye on the dividend yield, and if that dips, it’s a signal for you to opt out of the investment.

About the author: James Marriott is a finance writer with more than 15 years of experience in writing financial content, including those related to credit cards, mortgages, stocks, investments, and funds. He is also a regular financial columnist with renowned business journals. For your comments on the article and further financial assistance, please contact our staff writer at info@rncos.com.

If you have a public company, or are anticipating taking your company public, the subject of stock support, often ignored, should be a critical part of your corporate planning.

A FOUNDATION FOR SUCCESS

It is the foundation for the success of your stock values. This is how you will ensure that your share price is at its highest possible level at the time a buyout or merger offer is made for your company.

WHY GO PUBLIC?

Private companies go public to grow their business. Being a public company makes it easier to access money, the lifeblood of business. You convert your equity to cash. It’s easier for a public company to borrow money. You can buy corporate assets with stock. Eventually, you will sell your public company based upon its share price and not its balance sheet. These benefits depend upon your ability to maintain a strong share price.

BETTER MARKETING

Better marketing, not better mousetraps, creates strong share prices. To ensure that the stock is both strong and stable, your corporate vision must become the vision of your shareholders. You must effectively tell your story to the financial community.

Better marketing means educating the investment community about your company and your industry. It means developing personal relationships with your shareholders and market makers. It means being honest about your company and leveling with your supporters. It means expanding the demand for your stock beyond the limits of North America.

ETHICAL RULES

There are several ethical rules of corporate behavior you must follow:

*Understate, never overstate your positives. (Enron?)

*Communicate in good times and bad. (It’s vital to have a vice president of investor relations, whose sole job is to communicate with your shareholders and the financial community. *Investor relations programs should rely on filings over news releases. *Investor relations programs should aim to diversify the shareholder base.

A COHERENT PLAN

You must develop a coherent business strategy stating clear performance, profitability, and expansion goals. The strategy must then be translated into an appropriate investment message. It must target investors with similar goals and economic objectives.

*A company that doesn’t communicate effectively will fail.

*A company should list its investor relations goals. *A company should target its investor audience. *An outside investor relations program should list strategies and expected results. *You need a story to tell. *People do business with companies they trust. If you want the financial community to believe you, level with them. *Know your message. *Doing what’s right is good business.

A STRONG SHARE PRICE

You need a strong share price to buy assets without diluting your issued stock to the point where it makes it impossible to keep a strong share price.

If your share price bounces down, you create selling barriers which, when you attempt to move it back up, motivate present shareholders to dump their stock into your efforts.

SHORT SELLERS Unstable share prices attract short sellers. Unstable share prices attract regulators.

STRONG SHARE PRICES

Strong share prices are essential to get your company listed on stock exchanges in this country and elsewhere.

Strong share prices make bankers happy when they consider lending your company money.

The list is endless. There is no advantage to having a penny stock. There are loads of disadvantages.

You must support your stock price whether you use our private placement program, do an initial public offering or any other public offering. My company considers this concept so critical, for instance, that our investors provide and fund a powerful five-year external stock support program to bolster and extend the value of clients’ insider programs. Combined, the two programs can create a strong marketing effort for a stock in the United States, the United Kingdom and Europe. They will also ensure a high value at merger/acquisition time.

SELLING THE CONCEPT

Remember that selling the concept of owning your stock is just as critical as selling the concept of using your product or service. The customer list may be different, but both represent profit potential for you and your company and a Golden Parachute four or five years in your future.

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.

Stock is Money By William Cate Published May 1998 [http://home.earthlink.net/~beowulfinvestments/] [http://home.earthlink.net/~beowulfinvestments/globalvillageinves tmentclubwelcome/]

Every public company has a permit to print money. We call their money “stock.” The public company’s job is to convince investors that their stock is worth more than the investor’s money. When you succeed, your share price is strong. When you fail, your share price collapses. Eventually, your company will fail.

Stock, like money, suffers from inflation. The objection to paper money is the ability of the Government to expand its supply. When a Government inflates its currency, it risks economic upheaval. National financial instability leads to political unrest. President Suharto of Indonesia is an example of the risks politicians run with inflation.

Public companies run the same inflation risk. One reason the Canadian Stock Markets lack credibility is that they allow the listed company insiders to inflate the issued stock and dump it. I disagree with the SEC decision to reduce the holding period for insider stock to one year. The inflated shares hit the market like a tidal wave. When the U. S. Government inflates the currency, it takes about eighteen months for the American people to see higher prices. When a public company issues more stock, it often takes a few days for the stock to depress the company’s share price. At best, it takes a year for the company’s shareholders to pay the price for the stock inflation.

One way the American Government has offset its tendency to inflate the dollar is to convince non-Americans of the stability of the U. S. dollar. You can find U. S. Hundred-dollar bills hidden in mattresses from India to Russia. People are storing dollars as a hedge against local economic instability. What these dollar hoarders fail to realize is that the American Government may not redeem those dollars in the future.

In the same way, foreign investors want to buy stock in American companies. It’s the reason that it’s easier to list an American OTCBB company in Europe than a domestic company. It’s easier to attract investors to an American stock than to a domestic stock. The ethical issue is the same for the U. S. Government and the public company. Should foreign small capital investors have the right to redeem their American shares? I believe the answer should be yes. My viewpoint isn’t shared by over 80% of the OTCBB companies.

Stock is money. At some point, shareholders must convert their shares to dollars. If you wisely invested the shareholders’ money the balance sheet worth of your company will be greater. If you maintain a sound IR program, your share price will be stronger. If you seek to sell your company to an industry giant, in a friendly acquisition at market capitalization, your shareholders will gain the greatest benefit from their investment. You will make more money.

Your approach is simple. Investors buy your stock today and fund your company, into the future. In time, your shareholders sell their stock in your company and convert their profits into dollars. If you implement this policy, you’ll avoid problems with regulators. Your company will prosper. You’ll grow rich.

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

Homeowners Insurance Florida ‘ Best Way To Protect Your Hard Earned Investment!

Every home owner must need to look for proper home insurance coverage. It would be devastating your home loss due to flooding, fire or earthquake. If you are looking for homeowners insurance Florida, then you are in the right place. Well, before you look for your home insurance in Florida you should consider about sufficient homeowner’s coverage. It is also essential to make sure that you have got several quotes on your home insurance. By doing so you don’t have to pay too much.

Should have proper protection for your big investment:

It does not matter whether you live in Florida or any other region you could definitely save your big investment with the comparison of free quotes. In this regard, for homeowners insurance Florida, you should look for multiple quotes. You should always remember that, every insurance company is different and each company has their own set of formula in order to determine the premiums. With comparison, you may find a suitable insurance company in Florida that provides you suitable deal on home insurance.

Must have home insurance especially in Florida:

Living in Florida, you are definitely in danger of loosing your home or property. Particularly the hurricane here is so severe that can greatly damage your property. In this regard, Homeowners insurance Florida can protect your hard earned investment for sure. You should also remember that most of the insurance companies in Florida have offered higher deductible for hurricane associated damage comparing to other kinds of damage. You may require to have wind migration features at your home for availing the best home insurance quotes at Florida. There are also some other features required to be equipped in your home to avail the best Florida home insurance. However, through online, you could easily avail multiple home insurance quotes to find the best rate.

First is for the pre 2001 construction home with the replacement value of around $150,000, and second is the new construction with the replacement value of around $300,000. It actually demonstrates you may get the wide range of the premiums from various companies for same level of the coverage on same property. They as well urge the citizens of Florida to do price comparisons before buying the home insurance. Ever thought why there is a lot of emphasis placed on the comparison shopping while it comes about homeowners insurance Florida rates? Truth is that the rates for are been affected by many factors and will differ the great deal from company to company. As FL home insurance rates differ so widely, and comparing them from many insurers if possible can likely result to get the best possible rate for the coverage. At present time, the Florida homeowners enjoy what is actually known as the wind mitigation discount for different home features, which make home more resistant to the hurricanes. The home insurance companies are needed to give you the discount under the Florida law and specific formula should get used for calculating it.

You’e most likely learned about or even observed your impact the uggslambs skin trunk has produced in the world of fashion just lately. It’s another thing to the trunk to get trendy, nevertheless what about advantageous? When individuals consider boots, they just don’t always think of all of them the benefits that this footwear provide. Many people will need boots for the compacted snow, therefore any start that is certainly water resistant typically will be ideal. Yet footwear will have benefits, like the ugg sheepskin boots sheep skin boot , and the great things about this kind of trunk move far beyond his or her the way they look.

For the reason that are so cozy they can be donned continuously in all of the forms of temperature. When created from legitimate sheep epidermis, that they likely will last a very long time making his or her purchase a very good expenditure. Additionally, considering the variety of variations currently available, there is likely to always be the ugg lambs skin color shoe to fit everyone’s preferences and budget.

The actual ugg sheepskin boots lambs skin boot is often a practical boot. The sheep pores and skin assists in maintaining foot cozy during the cool winter season, and funky throughout the hot summer season. The cozy along with delicate sheep skin color matches being a baseball glove along with functions being a second epidermis, making an effort to keep up with the body’s temp. In fact, mainly because will keep feet hot during conditions as little as -30oF. Additionally, your wool offers organic wicking properties that really help draw dampness from the skin color, and also this is the thing that keeps your skin dry. Finally, any person’s toes ought not smell right after putting on mainly because. The particular made of wool fleece protector assists the air inside the start to circulate allowing your ft . for you to breathe. Obviously, there isn’t any ensure for this claim!

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.

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.

Mahurat trading bse is the auspicious stock market trading for an hour on Diwali (Deepawali), the biggest festival for Hindus.Muhurat trading bse in the stock market happens for about an hour on Diwali day.Usually, this trading session is held in the evening. It is a symbolic ritual which has been performed for years.

As you know a special short trading session called Muhurat trading is held on BSE on the day of Laksmi Puja (Diwali).On the occasion of Muhurat trading, the BSE inaugurated Netmagic Solutions’ co-location datacenter, set up to minimise latency and enable high-frequency trading. It also felicitated many brokers for their large contribution to volumes in different segments of the stock market such as equity, derivatives, mutual fund, fixed income and settlement of corporate bond segments.

Muhurat trading is traditionally an occasion for an auspicious beginning to the traditional New Year. As Diwali also marks the beginning of the New Year, it is believed that muharat trading bse on this day brings in wealth and prosperity throughout the year. An auspicious beginning is thus made on the first day of the year.

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.

Give Your House Safety with Property Insurance the town of Jacksonville

Ever thought about what some basic reasons for having property insurance Jacksonville that individuals should be aware of? Properly, spare a bit of your time and take into consideration the items explained below.
First off, let’s discover what a standard home insurance is centered on. By definition, it is a deal coverage that provides economic protection against unforeseen disasters. To all or any intents and purposes, a regular plan safeguards that your house and all sorts of the belongings you retain in it.

An ordinary coverage handles things like how you home is built, stuffs that personally is assigned to you, responsibility defense, and school funding in case you are cannot continue to be within your house because of your tragedy.
Additionally it is noteworthy to understand what forms of catastrophes or disasters are covered by home insurance Jacksonville.

Most homeowners policies include catastrophes like growing market, hearth or lightning, thunder or wind storms, riots, civil unrest or sociable commotion, wanton damage, theft, and incidents on account of slipping things. Even so, you must remember that earthquakes like deluges and quake have no coverage, as well as servicing damage.

You could possibly ask: Would it be achievable will have my own, personal property with no insurance?

Go ahead and, even so, if your property may be borrowed having a mortgage, it is likely that, your lender will ask you to have yourself a coverage.

Is there any distinction between termination and nonrenewal?

The answer then is: Of course there is certainly. Insurance companies can still get in touch with away your coverage when you neglect to pay the quality or you take part in a burial plot scams. However, nonrenewal is quite different. Either you or the insurer chooses whether or not to renew your property insurance policy you aren’t. As soon as your plan ends, normally, the physical conditions designate that the insurance company need to provide you with particular number of days to observe with motives mentioned for ending the insurance policy.

Even with knowing what the basics are, finding great homeowners insurance organizations currently isn’t piece of cake. To make matters worse, insurance firms currently do not are defending house owners how they employed to. That the reason people ought to be careful enough not to apply for just any support. Feel comfortable knowing that home insurance The city of Jacksonville is committed to supplying you and your property the very best home insurance plan there’s in the city.