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What Your Mother Never Told You About Income Investing: Twenty Questions (1 thru 6)
Investors are a very dependent group of people, particularly now that most employed persons have been given the responsibility of directing their own savings and investment programs for retirement. Mother Wall Street has monopolized this huge market, and nursed its children first on Mutual Funds and now on derivative betting mechanisms they call index ETFs ---the unhealthy investment equivalent of a diet of fast food, limited protein, and high energy fusion products.
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| 2. |
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Managing the Income Portfolio 101
The reason people assume the risks of investing in the first place is the prospect of achieving a higher rate of return than is attainable in a risk free environment --- an FDIC insured bank account. Risk comes in various forms, but the average investor’s primary concerns are “credit” and “market” risk, particularly when it comes to investing for income.
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| 3. |
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Crisis Investing: Are YOU Ready?
Why are investors afraid (shocked, confused, overwhelmed, angry) about stock market corrections? Here are links to five assessments of the correction phase of the market cycle that may just clear their heads about these periodic gifts from the Investment Gods. How so YOU spell correction?
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| 4. |
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The Pure Logic of Income Investing
Income Investing is sane, necessary, logical, intellectually pure, purposeful, manageable, predictable, and incredibly easy to understand. Yet, more investment mistakes are made in this area than in stock market investing --- particularly in the area of performance evaluation. As a result, income investors seem much more susceptible to Wall Street manipulation than their equity focused brethren.
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| 5. |
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Golf and Investing --- Four Important Lessons
Golfers will spend thousands on instruction, gadgets, machines, clinics, magazines, lessons, drivers, and putters. Investors love the gimmicks, shortcuts, and expert recommendations, but they seem allergic to anything really educational. They must see it as a sign of weakness. Golfers should be better investors. Investors need to introduce themselves to some basic education.
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| 6. |
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Trading Your Way To A Secure Retirement Income
Attention traders! You can bring your well honed equity skills to the most conservative securities on the planet and absolutely grow a secure retirement income at the very same time. Managed Closed End Funds (CEFs) trade in the same way as common stocks, and on the same exchanges.
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| 7. |
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Who's Afraid of Higher Interest Rates?
A rising interest rate environment is super good news for investors. When we loan money to someone, is it better to get the lowest possible rate for the shortest period of time? Stop looking at income investing with a grow the market value perspective. That's not what it's all about. Lower market values or growing discounts to NAV don't have to be problems... they can be benefits.
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| 8. |
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6 |
Purpose Based Asset Allocation: The Working Capital Model
Asset Allocation is an Investment Planning Tool, not an Investment Strategy. WCM facilitates long term, retirement income, investment planning by focusing on selection quality, issue diversification, and annual growth of both base income and invested capital. Neither market value nor the calendar year are perceived as relevant decision making criteria.
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| 9. |
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Interest Rates Are Rising - The Sky Is NOT Falling
Income investing facts of life: When higher rates are expected, existing security prices fall. lower rate expectations produce higher income security prices. Both conditions can be good news for investors. It's all a matter of understanding... and focus. Wall Street snake oil sales organizations just don't get it. It being the (apparently) much too simple income investing truth that lower market values have pretty much of a zero impact on security disbursements.
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| 10. |
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Investment Fruitcake
Portfolio design, in its simplest form, is a fruitcake of apples, oranges, and dough. The recipe (asset allocation) is about as straightforward as it can be, the ingredients (equity and income securities) can be well known and of unquestioned quality, and their reactions to time, and cyclical mood are well documented.
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| 11. |
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3 |
Create Reliable Income: 6% Tax Free; 7% to 8% Taxable
This program explains the process within Market Cycle Investment Management retirement income portfolios. This unique approach to income generation boasts a 40 year+ track record of consistent income payments; it is a perfect 401k rollover vehicle... producing multiples of 401k Target Date Fund Income programs.
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| 12. |
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Stock Market: Thirteen Months Down, And Now... Brexit
Neither a stock market downturn (not even Brexit) nor higher interest rates will have a significant negative impact on my retirement income; they could, in fact, allow me to grow that income even faster!
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| 13. |
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The Investment Gods Are Still Furious
Today's obsession with short-term blinks of the investment eye is Wall Street's attempt to take the market cycle out of the performance picture. Similarly, total return hocus-pocus places artificial significance on bond market values while it obscures the importance of the income produced. MCIM users will have none of it; the investment gods are angry.
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| 14. |
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Income Investing --- Selecting ONLY The Good Stuff
The larger the portfolio, the more likely it is that you will be able to buy round lots of a diversified group of bonds, preferred stocks, etc. But regardless of size, individual securities of all kinds have liquidity problems, higher risk levels than are necessary, and lower yields spaced out over inconvenient time periods.
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| 15. |
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Income Investing: Do YOU Have The Right Stuff?
When is 3 percent better than 6 percent? Yeah, we all know the answer, but only until the prices of the securities we already own begin to fall. Then, logic and mathematical acumen disappear and we become susceptible to all kinds of special cures for the periodic onset of higher interest rates. We’ll be told to sit in cash until rates stop rising, or to sell the securities we own now, before they lose even more of their precious market value.
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| 16. |
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Retirement Income Investing Article Library
Retirement income planning starts with the first dollar you invest... IRA, 401k, 403b, savings plan, brokerage account, whatever. These articles explain both characteristics and performance expectations. Most importantly, they define purpose. The collection will help you do the job better... in some instances, by viewing the antics of the not so distant past.
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| 17. |
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What Your Mother Never Told You About Income Investing: Twenty Questions (16 thru 20)
But, and this is about the biggest news in the history of the financial markets, news that was totally ignored by the financial media: the income generated by taxable income CEFs (other than REITs and mortgage heavy investment funds) actually increased during the financial crisis. The same result was experienced in the Tax Free arena, but with no exceptions at all.
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| 18. |
Bookmarks:
6 |
Retirement Income Avenues to becoming Retirement Income Ready.
After forty years of investing, a few things become crystal clear: you need to focus on quality, individual securities, diversify intelligently, and develop a lifetime supply of income. I call these principles The Big Three or the QDI. Just like the ice cream brick of my youth, it's just not right without all three flavors. The investment puzzle becomes easier to solve if you have a handle on all the pieces.
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| 19. |
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Income Closed End Funds & Total Return Analysis
If interest rates rise, the market values of these investments will go down BUT the income from the securities (and their safety vis-a-vis equities) will not change; if interest rates fall forcing prices up, I may feel richer, BUT MY INCOME WILL NOT CHANGE. My Total Return may move in either direction but THE INCOME WILL NOT CHANGE.
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| 20. |
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Sanco Services
Sanco Services is an investment portfolio consulting firm specializing in asset allocation, portfolio design, and trading techniques.
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| 21. |
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Investment Scam Alert 2009: Spread the Word (August 2009)
An envelope arrived yesterday from a worried investor (not a client of mine) in Appleton, Wisconsin. He had been contacted with an investment partner opportunity touting a guaranteed investment program that would absolutely double and triple his money every sixty days with no worries, work, or risk involved.
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| 22. |
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Investment Performance Evaluation Re-Evaluated: Part One (April 2009)
The Working Capital Model (WCM) looks at investment performance differently, less emotionally, and without a whole lot of concern for short-term market value movements. Market value performance evaluation techniques are only used to analyze peak-to-peak market cycle movements over significant time periods. In the WCM, market value is used as an expectation clarifier and an action indicator for the portfolio manager.
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| 23. |
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Asset Allocation for Foundation and Endowment Investment Portfolios - Part 2 (February 2008)
One can only speculate about how much Bubble Paper finds its way into the these portfolios, but nearly all of them are managed by the major brokerage firms, and all such firms bonus their brokers on the basis of product sales. It is not uncommon for Wall Street to re-write the syllabus for Investments 101, redefining Quality, Diversification, and Income to suit its own dark purposes.
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| 24. |
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Commissions are no Big Deal... Period - Part 2
For most stock purchases, the costs are up front and visible. For most Bond, and new issue purchases, the commissions are hidden from the investor, as they are with all Mutual Fund and Insurance/Annuity products.
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| 25. |
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What Do The Top 100 Newspaper Business Editors Have In Common, Besides Arrogance
Should the country's biggest newspaper business editors be interested in a better way to manage investment portfolios than mutual funds or Modern Portfolio Theory speculations about the future? Should they care about an old approach to investing that actually takes advantage of the market cycle? Should they be tired of promulgating the same old and tired Wall Street advice that always seems to take investors in the wrong direction. Yeah, they should.
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| 26. |
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The Antidote For Investment Doom & Gloom --- Free Webinars
The slide shows are generic, Q & A driven, with absolutely no attempt to sell you anything. Please take this opportunity to expand your investment horizons, and to help us get our message out to others who could benefit from this conservative approach to growth and income investing.
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| 27. |
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What's Going On In The Markets?!?!
If you were to buy almost any common stock or equity based security (mutual fund, ETF or Equity Closed End Fund), you would be paying a higher price than has ever been paid, by any person, at any time in the history of mankind.
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| 28. |
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The Financial Crisis, and Other Life Changing Investment Lessons
On November 30th 2012, the S & P 500 Average (recognized benchmark for assessing the performance of investment managers of all shapes and sizes) was at its highest level in five years --- BUT that translates into a 4% loss over the five years. Others did better. Are you ready for the next correction?
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| 29. |
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Crisis Investing - The Three-Pronged MCIM Strategy
Unfortunately, investors in general are a lot like teenagers. They know everything immediately; expect instant gratification; take unnecessary risks; fall in love too easily; ignore all voices of experience; prefer the easy approach; and feel that the lessons of the past just can't possibly apply to what's going on now. Duh, dude!
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| 30. |
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Asset Allocation: Investing by the Numbers
If you focus exclusively on market value, dwell upon comparisons of your unique portfolio with the market averages, expect performance of some kind during specific time intervals, and listen intently when someone speaks about what the future is all about, any asset allocation work you do will be ineffective.
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| 31. |
Bookmarks:
1 |
MCIM Strategies Produce Better Retirement Income
The Market Cycle Investment Management (MCIM) methodology for managed asset allocation was developed in the 1970s. The process combines risk minimization, base income generation, and disciplined trading strategies while focusing on the highest quality individual securities in the equity marketplace... plus a minimum 30% income purpose security bucket.
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| 32. |
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The Real Scoop on Annuities - Part Two (March, 2008)
Today, it's difficult to distinguish one financial institution from another as they compete for the ever-growing pool of investment dollars. Insurance companies, now publicly owned, have become am integral part of an industry that seems uninterested in protecting anything other than their obscenely paid leaders.
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| 33. |
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The Tax Free Income Closed End Fund Marketplace
How could you not be interested in Tax Free Yields of roughly 7%? On programs that have been in operation for nearly 20 years? and which are generally paying more now than they did prior to the financial crisis?
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| 34. |
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A Stock Market Correction Is A Beautiful Thing
A correction is a beautiful thing, simply the flip side of a rally, big or small. Theoretically, even technically I'm told, corrections adjust equity prices to their actual value or support levels. In reality, it's much easier than that. Here's a list of ten things to think about doing, or to avoid doing, during corrections of any magnitude. There has never been a correction/rally that has not succumbed to the next rally/correction ---
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| 35. |
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One Man's Bond Crash is Another's Income Opportunity
But we (the non Masters of the Universe) can simply reinvest our current income in any number of portfolios of bonds, preferred stocks, loans, notes, etc. which are selling at discounts, not only from their maturity value, but also from their combined Net Asset Values.
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| 36. |
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1 |
The Total Return Shell Game
Just what is this total return thing that income portfolio managers like to talk about, and that Wall Street uses as the performance hoop that all Investment Managers have to jump through? Why is it mostly just smoke and mirrors? Here's the formula:
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| 37. |
Bookmarks:
6 |
Income Investing: Go Ask Alice When She's...
Don't let uniformed thinking sabotage your retirement program; don't let the selfish advice of a product sharpshooter send you chasing rabbits when IRE (interest rate expectations) or other temporary market conditions shrink the market value of your income portfolio. Feed your head; feed---your---head. Income pays the bills, and if the income level is both steady and adequate, there is no need to change investments.
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| 38. |
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Income CEF Price Volatility ROCKS!
MCIM portfolios include 30% Income Purpose securities (based on Working Capital), and never own non Investment Grade Value Stock equities. This translates into portfolios of high quality securities, each contributing to higher realized base income than that contained in market averages or blended Mutual Funds.
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| 39. |
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The Flip Side of Rising Interest Rates... Much Higher Yields
Note that Wall Street (and the DOL) have (purposely?) kept the investing public uninformed about the totally reasonable yields currently (and historically, before, during, and since the financial crisis) available using Closed End Income Funds... CEF income investors have the ability to add to positions when prices fall (thus reducing cost basis and increasing yield),
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| 40. |
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To Rollover 401k Plan Assets or Not To... That Is The Question
Interestingly, all the major 401k product providers, also manage Closed End Fund product lines that generate generous income, even after higher fees. These fees, so important to regulators and politicians, are never paid by the recipients of the much higher income.
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| 41. |
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I Want Tax Free Income
If one wants tax free income, why not buy tax free muni bonds in the form of Closed End Funds.... more than 6% tax free, in monthly increments, plus the opportunity to take profits (taxable, yes) and compound the income until it is needed. Or spend it right away, for that matter.
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| 42. |
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THE DISMAL DECADE MY ASSTERISK- 11/30/99 THRU 12/31/2009
This spreadsheet summarizes the manual analysis of 55 individual portfolios managed using WCM based
Market Cycle Investment Management procedures and techniques.
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| 43. |
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Learning To Dig The BIG Buy Low
Market corrections can be good for the wallet; they part of the normal shock market menu, and can be brought about by either bad news or good news. If you don’t love corrections (and deal with them like visiting relatives) you really don’t understand the financial markets. Don’t be insulted, it seems as though very few investors see it this way.
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| 44. |
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Money Magazine 401k Investment Article Directory
Market Cycle Investment Management is a unique, long-term trading approach that focuses on Investment Grade Value Stocks, the very highest quality NYSE, dividend paying companies. A wide variety of Income Closed End Funds is used to populate the Income Bucket of all portfolios. MCIM, the IGVSI, and income purpose investing is now available in 401k plans.
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| 45. |
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The MCIM Trading Strategy For Volatile Markets
Trading does not have to be done quickly to be productive, and it doesn't have to focus on higher risk securities to be profitable. And perhaps most importantly, it doesn't have to avoid the interest rate sensitive income securities that are so important to the long-term success of any true investment portfolio.
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| 46. |
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Create a Pension Plan Within Your 401(k)
401(k) Savings Plans are great opportunities to build wealth, but they are not guaranteed pension programs and there are pitfalls. What if you are forced to retire at the bottom of a market cycle, or at a time of historically low interest rates? Qualified or not as an investor, you have to make your own 401(k) investment decisions. Eventually, you will have to create your own income portfolio.
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| 47. |
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Barron's Touts Managed Closed End Funds
Closed-end funds are in the bargain bin. From municipal bonds to taxable debt and stocks, more than 90% of all closed-end funds trade at discounts to their net asset values. The $231 billion closed-end market recently hit its most inexpensive level relative to NAVs since the end of 2008, according to data compiled by Morningstar. Andrew Bary
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| 48. |
Bookmarks:
3 |
Retirement Income Investment Planning
Defined Contribution plans are just not retirement plans --- even if your employee benefits department, the media, Wall Street, and Uncle assure you that they are. Most plans are difficult to self-manage with a retirement income objective. Still, these benefit plans are necessary and quite capable of taking you close to where you want to be.
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| 49. |
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3 |
Income Investing Made Easy - Two
Base income includes the dividends and interest produced by your portfolio, without the realized capital gains that may actually be the larger number much of the time. No matter how you slice it, your long-range comfort demands regularly increasing income, and by using your total portfolio cost basis as the benchmark, it's easy to determine where to invest your accumulating cash.
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| 50. |
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Income Investing Made Easy - One
You don't have to be a professional Investment Manager to professionally manage your investment portfolio, but you do need to have a long term plan and know something about Asset Allocation --- a portfolio organization tool that is often misunderstood and almost always improperly used within the financial community. Remember, your unhappiness is Wall Street's most coveted asset. Don't humor them.
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| 51. |
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Real Estate Investing: No Lawyers, Debt, or Plungers
Without having mega millions to work with, or a line of credit that goes around the block, you can have positions in various forms of Real Estate (commercial, industrial, residential) at the same time, and focus either on growth opportunities, income production, or a combination of the two.
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| 52. |
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Forming Valid Income Investing Expectations - Part Two
The critical relationship between the two classes of securities in your portfolio, is this: the market value of your equity investments and that of your income purpose investments are totally, and completely unrelated. Each Market dances to it's own beat. Stocks are like heavy metal or Rap...impossible to predict. Bonds are more like the classics and old time rock-and-roll...much more predictable.
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| 53. |
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5 |
Solid Income Investments in Liquid Form: Managed Closed End Funds
Unlike conventional mutual funds, CEFs do not issue and redeem shares directly with investors at net asset value. CEFs are listed on national securities exchanges, where shares of the Investment Company are purchased and sold in transactions with other investors, just like individual company stocks, and most often not at net asset value.
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| 54. |
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What Your Mother Never Told You About Income Investing: Twenty Questions (7 thru 15)
Investors should certainly know the basics about what they are doing. Corporations raise capital for their operations by issuing common stock, or shares of ownership in the company. They also raise money by borrowing from banks, insurance companies, and the public through the use of debt instruments called bonds, debentures, notes, and others.
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| 55. |
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Tax Free, Municipal Bonds Yielding nearly 7%. Interested?
Of course you should be interested. There are at least eight reasonable explanations for recent Municipal Bond price weakness --- there are at least eight excellent reasons why investors should be viewing this weakness as a buying opportunity. Lower prices and higher yields are good news for income investors!
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| 56. |
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Your Income Portfolio
There are several reasonable explanations for recent Municipal Bond price weakness: Higher interest rates expected; equity portfolio window dressing; weakness of state government treasuries; profit taking in municipal CEFs; speculation about proposed tax code changes; illiquidity of individual bonds; irrational investor fear.
There are at least as many excellent reasons why investors should be viewing this weakness as a buying opportunity ---
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| 57. |
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Managing the Income Portfolio - 201
With equities, take a reasonable profit (between 8 and 10%) as frequently as possible; with income CEFs, a year's income in advance is the acid test if under 10%. With a 40% income allocation, 40% of profits and dividends would be allocated to income securities and assures that income growth will happen.
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| 58. |
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Municipal Bond Investing --- The 6% Tax Free Solution
What if you could choose from a group of 65 tax free municipal bond funds, paying monthly income at an annual rate of roughly 6%? What if you could invest in 32 tax free Closed End Funds paying an annual rate above 6.2%?
Why hasn't your investment advisor/accountant/rich uncle told you that this is what he has been doing for upwards of twenty years?
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| 59. |
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Bond Crash Ahead says Market Watch & Investment News
InvestmentNews wants to make damn sure its readers, the 90,000 professional financial advisers who rely on the timeliness and accuracy of every INews forecast, understand: “What will your clients’ portfolios look like when the bond bomb goes off?”
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| 60. |
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Ten Common Investment Errors: Stocks, Bonds, & Management
Losing money on an investment may not be the result of a mistake, and not all mistakes result in monetary losses. Compounding the problems that investors have managing their investment portfolios is the sideshowesque sensationalism that the media brings to the process. Avoid these ten common errors to improve your performance:
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| 61. |
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Stock and Bond Trading Powers Modern Asset Allocation
Trading does not have to be done quickly to be productive, and it doesn't have to focus on higher risk securities to be profitable. And perhaps most importantly, it doesn't have to avoid the interest-rate-sensitive income securities that are so important to the long-term success of any true investment portfolio.
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| 62. |
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The Market Cycle Investment Management (MCIM) Program
Investing with a calendar year focus has no basis in the realities of finance, business, or economics... isn't it obvious that the Stock and Bond Markets are far more closely related to the Business Cycle than to the Earth's around the Sun? The Market Cycle Investment Management Account Program provides better guidance--- and results.
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| 63. |
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Attention Investors: It's Time To Check Your Asset Allocation Formula
Wall Street is celebrating its meteoric five year and three month rise to approximately where it was toward the end of 2007 and, just a skosh above where it was way back in 1999. Why are they so excited about this fourteen year march to nowhere? How could Market Cycle Investment Management have improved on such dismal performance? Read'em and weep!
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| 64. |
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Hang On A Minute - The Mighty Dow Is Still 10% Below 2007 Levels!
Do they think investors are stupid enough to get excited about this dismal performance? Particularly, when less than 20% of professionally managed equity funds did as well. And how about unmanaged ETFs? I haven't heard any claims of brilliance, have you?
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| 65. |
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Sanco Services Two
Sanco Services teaches investors how to design what we affectionately refer to as the: You probably don't need an annuity, really, income program. It emphasizes the generation of high levels of realized income within a portfolio that contains only high quality securities.
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| 66. |
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Wall Street Most Wanted: A New Blue Chip Market Indicator
When investors start to question why their Municipal bond portfolios are trailing the gain in the Dow, or when retirees start to buy gold bullion instead of groceries, something is wrong. And it's the same ole stuff that produces the greed and fear that lead to investment-program-destroying mistakes every time. So let's look at the performance of the Dow, to gain some perspective.
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| 67. |
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1 |
Understanding Income Investing – Second Chance Survey
Hundreds of people responded to the last Income Investing survey, and all papers were corrected and returned. As a group, the class failed to pass the test of income investing competancy. Here's another chance.
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| 68. |
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Calculating Your Investment IQ
Stocks, bonds, index funds; averages, recessions, market rallies and corrections; mutual funds, technical analysis, financial statements; commissions, taxes, and discount brokers.
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| 69. |
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1 |
The Dow Jones Industrials --- A Blue Chip Average No More
To most investors, the DJIA provides all of the information they think they need, and they worship it mindlessly, thinking that this time tattered average has mystical predictive and analytic powers far beyond the scope of any other market number. It's Wall Street's rendition of 'The Emperor's New Clothes'.
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| 70. |
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15 |
Make Playtime A Bonding Time For You And Your Kid
Toys are a kid’s best friends. They entertain him and give him hours of fun and enjoyment. They educate him by introducing him to the world around him and by engaging him in mind enriching activities that hone his imagination, motor skills, hand to eye coordination among many others. Toys especially the educational ones indeed play an important role in your kid’s developmental progress.But even so, toys can never take the place of parents. Toys can never be substitutes fo...
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| 71. |
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2 |
Testing All Texas Schools Athletes For Steroids? It Could Happen Soon
Professional athletes have been in the news a lot over the past few years, either being accused or admitting to taking performance-enhancing drugs. Major league baseball has taken several hits with accusations being brought against some of their top players, such as home-run king Mark McGwire, who took the fifth amendment to not incriminate himself during Congressional questioning on the subject. Barry Bonds of the San Francisco Giants, Jason Giambi of the New York Yankees, a...
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| 72. |
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12 |
Home Schooling Is Loaded With Fun Activities
There are many reasons why parents choose homeschooling for their children. A lot of times this choice is made by parents who are dissatisfied with the way formal education is being run. Also by those who are concerned about safety issues. In addition, there are those parents who wish to freely instill some religious values in their children, while some feel that having their kids taught at home helps tighten their family bond.Nowadays, there has been an uprise in the...
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| 73. |
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1 |
Investment Q & A Workshop - Brain Picking Only - No Product Sales
The first Q & A meeting will be held the week of January 10th --- your questions discussed by a panel of experts with nearly 100 years of investment experience. Send your questions (maximum of two) and date preference (Tuesday thru Thursday) with your PayPal payment of $14.95 to sanserve@aol.com. Agenda, contact, and GoToMeeting information will be sent to you prior to the meeting date.
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| 74. |
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Weighted Average Cost Of Capital (WACC), Commodity Historic Prices, Index Prices, And Country Risk
The Weighted Average Cost of Capital (WACC) is a calculation of a company’s proportionately weighted capital according to specific categories. All sources of capital – common stock, preferred stock, bonds, and any other debt are included. It’s computed by multiplying the cost of each capital source by its proportional weight (% of total capital) and then working through this equation.WACC = (E/V) * Re + (D/V) * Rd * (1-Tc)Where:Re = cost of equityRd = cost of debt...
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| 75. |
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3 |
How To Invest Your Money Safely
When it comes to making investments, most people know that there is always room for a possible loss. Stock market investments in particular are rather notorious for taking a rather well funded portfolio and emptying it rather quickly. Of course, that does not happen all the time, otherwise no one would do it. If, on the other hand, you do not want to take what many consider to be an unnecessary risk, there are a number of other investments that are reasonably safer, can still...
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| 76. |
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Real Estate Bubble
If the real estate market declines how can you make money in it? The make a profit on any market (real estate, products, stocks and bonds) simply must be in motion. It must increase or decrease. A stable market is one you do not turn a profit. The key is handle the procurement and sale of shares in both markets
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| 77. |
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The Basics Of Short Selling Stocks
‘Shorting’ or short selling refers to the selling of a contract, a bond or stock or a commodity that is not directly owned by the seller. When practicing short selling, a seller is committed to purchase the stock or commodity previously sold.Short selling stocks means to take the stock from a broker on loan and sell it off to someone else. This is done so that the seller buys back the stock, when the price falls. The shares are returned to the broker from whom they were i...
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| 78. |
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Savings bond makes life simpler
The modern socio-economic scenario has made life really very complicated for us, as we all have to run after money to make ends meet. In this age of rapid commercialization of economy, we are always running short of cash no matter how much we earn.
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| 79. |
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Retirement Income Planning: Mutual Funds
Mutual funds are classified in three main categories that differ in regards to their risks, features and rewards. They are money market funds, bond funds, which also receive the name of “fixed income” and finally, stock funds, which are also called “equity funds”. Let’s take a deeper look at each one of them.
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| 80. |
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Options Trading Basics
New to Options? Want to trade option? This is the first step for you.You many know many wealthy individuals make lots of money using options and you can try too.Stock and Bond trading strategies run the gamut from the simple 'buy and hold forever' to the most advanced use of technical analysis. Options trading has a similar spectrum.Options are a contract conferring the right to buy (a call option) or sell (a put option) some underlying instrument, such as a stock...
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| 81. |
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Can You Make A Killing In The Securities Market In 2007?
Imagine a world a world in which either all investors have costless access to currently available access about the future , all investors are good analysts , all investors pay close attention to market prices and adjust their holdings appropriately and that all investors pay close attention to market prices and adjust their holdings appropriately.Do you believe in the Tooth Fairy?In such a market a security’s price would be a good estimate of its investment value, whe...
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| 82. |
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A Completely New Way To Get Rich Rapidly
This new way is catching on around the world. People are compounding money rapidly for themselves.Its called opportunity investment and it has nothing to do with the traditional way to invest. Stocks, bonds, shares etc.This is hands on. The entire premise is based on compounding and becoming the investor sourceYou see when we hand over our funds to professionals to invest our capital we dilute our returns dramatically. It makes sense if you think about it. T...
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| 83. |
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Second Home Are a Great Investment
The new millennium has not been good to stocks, bonds, mutual funds and other financial investments. Most investors have found that the best performing asset in their portfolio is their home. Real estate has been a safe haven for investors with appreciation far outpacing other investments. With the security and growing values of residential real estate, a growing number of home owners are now investing in a second home.
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| 84. |
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Investing In Bonds Versus Forex
Investing in bonds and the savings bank is safe as we will see. But if you are adventurous you can make a great deal from Forex.The article is written primarily for the smaller investor who needs high yield, the man who has between, let us say, $5,000 and $100,000. If the $5,000 investor secures a return on his money not of 3%, or $150 per year, but 12% $600 per year his benefit will be material, not nominal.If the $100,000 investor receives not $3,000 but $12,000 the...
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| 85. |
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Re-evaluating Surety Bond Underwriting
Surety bonds are suppose to be underwritten with a 0% loss ratio. There are no funds for claims built into the premium of traditionally underwritten surety bonds. This standard is obviously impossible to achieve on a consistent basis.
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| 86. |
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What Is Invoice Factoring And Invoice Discounting?
The Romans were the first civilization to sell promissory notes at a discount, beginning the industry of factoring. America was built largely on the possibilities of factoring, when colonial businesses were factored by Europeans willing to invest cash in exchange for the promise of large returns, and government bonds also use the same principles applied by businesses when they engage in invoice factoring.Invoice factoring is, at its simplest, the sale of the right to coll...
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| 87. |
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Lapland “Polar Dreams” in Finalnd
My love affair with Finland began the moment I stepped off the Finnair plane. My ancestry is Norwegian and I guess something primal in my Viking genes bonds me in kindred spirit with this unique Nordic land. Having toured over a hundred countries, this is virgin territory for me and what an utterly cool place to visit in January. I’ve packed enough thermal gear to survive the most brutal blizzards but on arrival in Helsinki today, there is no snow.
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| 88. |
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The Risks And Benefits Of Corporate Bonds
Rarely will you find an investment where you gain a substantial reward without an equally substantial amount of risk. Let's face it - the odds are stacked against you. Not only are there other huge banks and multinational corporations you have to compete against that have more capital than you will ever have, but there are millions of other investors trying to test their luck in the same market. Your choice of where to invest your money is therefore highly important. This is ...
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| 89. |
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Investing Your Self Directed IRA or 401K In Philippine Condotel Investment Real Estate
People are beginning to catch on. A year or so ago, few people realized that they could manage their IRA investment portfolios themselves, and even fewer knew that they could invest their IRA retirement money in something other than stocks and bonds
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| 90. |
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Las Vegas Weddings: A Viable Option For Your Wedding Day?
Las Vegas has quickly became a top wedding destination for celebrities and commoners alike. Here are five reasons why you should consider getting hitched in the Entertainment Capital of the World.1. Last Days of SingletonDays before THE big day, arrive at Las Vegas and plan to spend the last hours of your singleton in the Sin City! Experience life and the company of friends on a night out on the strip. Want girl-bonding time? You can do that, too! Try a day at the...
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| 91. |
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6 Proven Wealth Building Strategies
Building wealth is as simple as saving a little bit here and a little bit there. You need not have great riches in order to accumulate wealth, but you need to have the drive, determination, and discipline to successfully increase your wealth. Let’s look at 6 proven wealth building strategies you can put into use.
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| 92. |
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Top Rated Investment Bonds
Your typical independent investor will never be able to understand every aspect of bond investing. Research on bonds fills volumes. It is for this reason, therefore, that you do as much research as you can prior to investing, and if you can, take advantage of professional investors that can manage a portfolio for you.1. Bond RatingsNot all stocks are created equal - some are a strong buy whereas others are holds or sells. Bond ratings get assigned over 20 different po...
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| 93. |
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A Bowling Alley Can Be A Great Bonding Place For Families
When it comes to a sport that provides lots of family fun, few can match a quick trip to a local bowling alley. Although it might take years to reach pro status, almost anyone of any age can play this game. The game can be altered for young children and it is one even teens tend to enjoy, as well.There are plenty of reasons why a family trip to a bowling alley can be a great idea. They include:* Bonding. If the idea is to find an activity everyone can enjoy and do t...
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| 94. |
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Savings Accounts - Professional Advice
When it comes to savings, you may well find yourself daunted by the sheer variety of ways to invest your money. Particularly if you find yourself with a substantial amount to invest, and are less than confident at dealing with things like the stock market, bonds and trusts, you’re likely to gain from professional expertise.
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| 95. |
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4 Reasons Why You Should Homeschool Your Child
A recent survey indicated that nearly 30% of American parents are seriously considering homeschooling their children rather than sending them to school. Home schooling is a different way of education for many parents. It allows children to be educated at home free from the daily school assignments and pressure. It also allows more bonding time between the child and the parent fostering closer relationships.There are 4 main reasons why you should homeschool your child....
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| 96. |
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New York Cosmetic Dentists Are In Demand
Cosmetic Dentistry: New Yorkers are in love with it. With no time to spare, New Yorkers find that cosmetic dentistry is a great way to improve their appearance and self esteem. Cosmetic dentistry goes beyond just fixing teeth. Its about helping people gain more self confidence by creating a wonderful smile. There are several different forms of cosmetic dentistry provided by cosmetic dentists in New York. Veneers, crowns, bonding and whitening are all great options depending u...
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| 97. |
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Betting on baseball has never been better!
Now that we have put the Barry Bonds/ Babe Ruth blah, blah, blah to sleep, I think it’s time that we sat back and wagered a few bucks on our favorite MLB team. Parity is here and every one of the six divisions is up for grabs this year and handicapping these teams, takes patience and talent.
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| 98. |
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3 |
Find Peace And Happiness Through Gardening
Gardening is a wonderful and relaxing hobby enjoyed by many all over the world. People who enjoy gardening often feel a deep-rooted sense of calm and tranquility, and they also forge a stronger connection with nature.There are many types and forms of gardening. Organic gardening is a unique method of gardening and allows the gardener to really bond with Mother Nature. Organic gardening really gets down to the basics of growing fruits and vegetables, using only what Mother...
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| 99. |
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Families are Beautiful
It's nice when the whole family spends time together. You share a special bond between one another that cannot be recreated with anyone else. Father, mother, sister, brother, you all belong to each other in a special way.
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| 100. |
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Create An Indelible Bond With Your Child
Every parent aims to bring up a child that is loving, giving, confident, happy, and a part of a closely knit family. Parenting is a natural process and more often than not it is not books, counselors, or doctors that will guide you but it is your in born instinct and bonds with the child.
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