Good Stock Market Tip; Good Return!
December 31, 2008
Forget making a profit; instead focus on the income provided from your stock portfolio. That’s right! Forget making a profit. The burden is now lifted - no more pressure on making a buck in the stock market. (Instead of trying to bend the spoon, that is impossible, instead just think of the spoon as ? omigosh! - I’m in the Matrix!) When you focus on the amount of money your holdings are providing in dividends ? and when those companies selected have a history of raising their dividends each year ? a lower stock price allows the dividends that are being rolled back into the stock to accelerate your income. The total value of your portfolio may go lower, but your income from that lower priced portfolio would increase dramatically. Profit by income!
To demonstrate this tip, I’m going to take you back in time, but the strategy of that time is just as viable today, as it was in the past. The year is 1990, the stock for the demonstration is Comerica, and the amount of money invested was $3,333.34. Comerica (CMA) was selected for one simple reason ? in 1990 CMA had a historical record of raising their dividend for the past 21 years. Today’s CMA has a 36 year history of raising their dividend every year.
Establish Credit and Join a Health Club
December 30, 2008
Establish Credit and Join a Health Club
by: Charles Essmeier
Everyone knows how difficult it can be to establish credit. It’s the old “chicken and egg” situation - you need credit in order to get credit. The fact that you have nothing in your history to suggest that you will not repay a loan will not help you get one. You need to have something in your credit history that suggests that you will repay the loan. And how do you do that if you have no credit?
One solution that’s often suggested is a secured credit card. A secured card requires you to put up a cash deposit that acts as collateral against your credit limit. Your issuing bank knows you will pay your bills because they have your cash. If you don’t pay, they will just take it out of your deposit.
A secured credit card is a good way to start building a credit history if you have none, but is there anything else you can do? How about joining a health club?
The Disadvantages of Reverse Mortgage
December 30, 2008
The Disadvantages of Reverse Mortgage
by: Charles Kirkendall
A reverse mortgage can be an attractive option for many home-owning seniors that are having a hard time making ends meet. With a reverse mortgage, a senior homeowner will receive money for their home equity from a lender without having to make repayments for as long as they live in their home. So with the right reverse mortgage a senior homeowner can maintain their standard of living while retaining ownership of their home.
This of course, is the picture that all the reverse mortgage companies try to paint for prospective borrowers. Nonetheless, there are many differences that have to be understood between reverse mortgage’s and conventional loans. If these differences are not understood, they can cause financial problems for reverse mortgage borrowers.
Disadvantages of Reverse Mortgages.
The first disadvantage is the relative cost of a reverse mortgage. Reverse mortgages tend to be very expensive when compared with a conventional mortgage. This is due to the rising-debt nature of reverse mortgages. For example, a typical reverse mortgage may provide a homeowner with a $300 per month payment with a yearly interest rate of 12 percent compounded monthly. Over the course of ten years, the homeowner will receive $36,000 in payments, but will owe almost $70,000-almost twice as much as received.
Emini Futures Day Trading : Fundamentals And Simulated Trading System
December 29, 2008
Emini Futures Day Trading : Fundamentals And Simulated Trading System
by: Michael Taylor
Fundamental Analysis
Fundamental analysis is a methodology for analysis of a company as a viable stock that you want to hold for long term. Fundamental analysis is more widespread in the world of investing since you are going to hold your companies for 10 to 20 years, you do not wish that your companies go bankrupt the next day. Some of the common ratios used are P/E ratios (price earnings ratios) which measures the relative price of the stock to the earnings of the company, the EPS (earnings per share), the debt equity ratio and tons of other ratios.
Although I have spent considerable time studying such ratios I discovered that you do not really need such information to be successful in day trading. I repeat, fundamental analysis plays a marginal role in day trading. In fact, most of the time, I don’t follow it at all. If you still have reservations about ignoring fundamental analysis, I recommend trading ETFs (exchange traded funds) such as QQQQ which mirrors the movement of the NASDAQ 100. In essence, you are actually trading the index like a normal stock. Indexes usually have a huge number of stocks in them, making them less susceptible to company specific news. However if you are paranoid, then you might still want to follow the news of the major companies in the index.
Design For Six Sigma
December 28, 2008
Design For Six Sigma
by: Peter Peterka
Design for Six Sigma (DFSS) is the application of Six Sigma principles to the design of products and their manufacturing and support processes. Whereas Six Sigma by definition focuses on the production phase of a product, DFSS focuses on research, design, and development phases. DFSS combines many of the tools that are used to improve existing products or services and integrates the voice of the customer and simulation methods to predict new process and product performance.
DFSS can be compared to DMAIC (Design, Measure, Analyze, Improve, Control) and often the acronym DMADV (Define, Measure, Analyze, Design, Verify) is used to describe the strategy of DFSS. The precise phases or steps of a DFSS methodology are not universally defined. Most organizations will implement DFSS to suit their business, industry, and culture. DFSS methodology, instead of the DMAIC methodology, should be used when:
* A product or process is not in existence at your company and one needs to be developed
* The existing product or process exists and has been optimized (using either DMAIC or not) and still doesn’t meet the level of customer specification or six sigma level
A Gadfly On A Dinosaurs Butt, Or The Hood-winking Of The American Investor
December 27, 2008
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 from sunrise to sunset.
And then there are those words in the English language where there 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 on the road driving 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 etc. The mantras may be a word or a group of words- attractive, unattractive, neutral, market perform, market out-perform, market under-perform, market under-weight, market equal weight, market over-weight, sector perform, strong buy, buy, sell, strong sell.
The Hurricane Katrina survivors will be victims again… GUARANTEED!
December 26, 2008
The Hurricane Katrina survivors will be victims again… GUARANTEED!
by: Stuart McMaster
This time it will be our own governments mostly that will do the victimizing but some businesses will get it on it as well. Its simply one of the biggest revenue generating processes utilized by various levels of governments that very little is known of by the regular citizen. It causes family savings to be lost, assets to go uncovered and even inheritances to disappear over time. It victimizes the poor disproportionately than any other class in our society. It takes away from those who need it the most… like poor, middle class and poverty level citizens. But this process has also been known to victimize people of all classes and races in the United States. What are we talking about? Unclaimed Money is the name of the game. Millions of dollars that were in utility deposits, savings bonds, bank accounts, family properties, safe deposits contents and a slew of other unclaimed assets and money is turned over to various government agencies every year, with only a small amount ever being returned to the rightful owners or heirs. This unclaimed money windfall is actually multiplied TENFOLD because of disasters like Hurricane Katrina.
A Tickler File For Sales And Networking
December 25, 2008
A Tickler File For Sales And Networking
by: Stephen Labuda
If you are involved in sales, fundraising or just an active networker, you have probably tried a variety of tools to manage your contact list and remind yourself to stay in touch with all of the prospects and people you meet. This tickler file is designed to be an inexpensive, effective, tool that can be used by salespeople in a variety of different types of organizations.
This tickler file uses inexpensive index cards and a simple file box. You will need the following items to create your own index card sales tool. I found everything I needed at my local office supply store. The total cost was around $25.00.
- A box to store the index cards
- Monthly 3″ by 5″ index tabs
- Daily (1-31) 3″ by 5″ index tabs
- Alphabetical 3″ by 5″ index tabs
- A ton of white ruled 3″ by 5″ index cards (you don’t need a photo, right?)
- A bunch of colored 3″ by 5″ index cards (pick your favorite color)
- A small case to carry your in your pocket
FREE! Insider Secrets About Homeloans and Credit
December 25, 2008
FREE! Insider Secrets About Homeloans and Credit
by: David Frost
Whether you have excellent credit, good credit or poor credit; make a great income, middle income or low income; have too much debt - are self-employed - have a loan with a pre-payment penalty - or need to rebuild or renew your credit…YOU MUST TAKE A LOOK AT:
“Answers To The Most Frequently Asked Questions About Home Loans (And the Top Ten Most Common Mistakes That Can Cost You Big Money)”
Dear Homeowner or Homebuyer,
You, as a homeowner or homebuyer, are about to make a decision that will effect you immediately and into the future (sometimes for years to come). By financing a new home or by refinacing an existing home, you will be joining literally thousands of others homeowner or homebuyers. You will be faced with one of the most important financial commitments you will ever undertake. Even the veteran homeowner faces challenges everytime he or she looks for a new mortgage. It is amazing how much the mortgage industry changes even monthly (not to mention yearly).
During the application process, you’ll be exposed to perhaps hundreds of mortgage options (from reputable and not so reputable mortgage companies).
A Common Misconception about Stock Prices
December 24, 2008
I cringe every time I hear a novice investor tell me that they only purchase low priced stocks because they offer higher potential gains. A common phase I hear is "I like to buy $1 and $2 stocks because they can double easily and I will make a 100% profit".
My reaction is to always let these people know that "stocks are priced low for a reason, just as stocks priced high are there for a reason".
Like anything in life, quality is never offered at a discount. When I am in the market for a car, I don’t expect to purchase a Mercedes for the price of a Pinto. No pun directed towards Pinto car owners as I am just providing an example.
Stocks are valued at their current market value or perceived value under the current situations. A $1.00 stock is trading at this level because it is only worth this much in investor’s eyes. A stock priced at $50 or $100 is trading at these levels because of a quality that the lower priced stock does not have. Institutions, such as mutual funds, will not purchase a stock at $1 based on strict internal rules and fund guidelines. Stocks move based on vast amounts of support from institutions that have the buying power to propel prices 100%, 200% or more in less than 12 months.
