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Evaluating A Money Manager

Scams and frauds are designed to take your money through false promises and phony claims. Money management is supposedly designed to increase your net worth. Sometimes these two worlds meet and the results are not in your favor, i.e., you have a considerable decrease in net worth. The information in this article won't keep future money managers honest but it will help you find the one who is right for your situation. There are four criteria you must consider before you give your money to anyone to manage. 1) Philosophy-- This is the thought theology used by the money manager... Read More

Value Investing

By definition, value investing is the process of selecting stocks that trade for less than their intrinsic value. A value investor typically selects stocks with lower than average price-to-book or price-to-earning ratios. Of course, it is not nearly this simple. Value investing is the corner stone of long-term growth. Those who practice it survive the ups and downs of the market and are more likely to emerge wealthy than those who ride the market, in principle, due to the higher quality of the companies falling under the prerequisites of the value investor. Value investing is essentially concerned with getting the... Read More

Economic Survival in the 21st Century - the Three Key Questions to Ask

In this "special report", I want to pose a few important "philosophical questions" to my readers. Firstly -- our Federal Reserve Chairman, Alan Greenspan, addressed the effects and implications of our aging population on things such as Social Security again in a speech that he made last Friday. Readers may remember that I also briefly mentioned this issue in my June 24th commentary. I urge you to keep this worldwide phenomenon of the aging population firmly on the back of your minds. If you are like most people, then you earn you living by producing a... Read More

How To Create Wealth In The Stock Market

First and foremost, an opportunistic strategy for creating wealth in the stock market is needed. And the opportunistic strategy for creating wealth in the stock market must have two ingredients, a plan and a goal. The plan must be a definite, concrete plan of investing that would profit you and your family for the rest of your lives.This opportunistic investment plan you begin should not profit anyone else ? not a stockbroker, a mutual fund or a financial advisor. This means you have to have confidence in yourself and in your own judgment as to whether the investment plan you... Read More

Why the Rich Keep Getting Richer

Rich people: fortunate, lucky, selfish, and arrogant? Or highly educated, caring, brilliant individuals? Becoming rich isn't hard, but it does require a bit of time and knowledge. Having time to get rich, educating oneself, and buying assets are the three key factors in attaining untold wealth.Rich people usually either have or make time to get rich. Most people that now own huge mansions, have wonderful riches, and drive the nicest cars usually begin taking the road to riches in their spare time. One plan, the most common, is to work at a low-risk, steady job until one has enough money... Read More

Investors: Avoid These 5 Common Tax Mistakes

For many investors, and even some tax professionals, sorting through the complex IRS rules on investment taxes can be a nightmare. Pitfalls abound, and the penalties for even simple mistakes can be severe. As April 15 rolls around, keep the following five common tax mistakes in mind ? and help keep a little more money in your own pocket.1. Failing To Offset GainsNormally, when you sell an investment for a profit, you owe a tax on the gain. One way to lower that tax burden is to also sell some of your losing investments. You can then use those losses... Read More

5 Ways To Protect Your Bond Portfolio From Rising Interest Rates

The Federal Reserve recently raised its target federal funds rate for the first time since March 2000. This could be just the tip of the iceberg, though, as many experts believe rising inflation and a strengthening economy will spur continued rate hikes for the foreseeable future.This is bad news for bond investors, since bonds lose value as interest rates rise. The reason stems from the fact coupon rates for most bonds are fixed when the bonds are issued. So, as rates rise and new bonds with higher coupon rates become available, investors are willing to pay less for existing bonds... Read More

IF - The Wonders of Investing

If it seems as if all investors are selling, who is buying? If trading has become entertainment for you, it may be time to refocus on profits. If your stock has reached an annual ... Read More

Lobster Trapping for Investment Ideas

Recently, my family and I took a trip to Maine to visit relatives. During our stay, we toured the rocky shore lines and took in the beautiful architecture of the old towns.One sunny morning, three generations of Wardlaws boarded a lobster boat and set out on a guided lobster trapping excursion.We quickly learned lobstermen lead a life of hard work and regulations.Over the course of many years, Maine's lobstermen and state officials have established certain criteria to protect lobsters and allow for greater development. With the rules, lobstermen look for "keepers."A "keeper" is a lobster that measures between 3.25 and... Read More

Tyranosaurus Rex

Everyone knows T Rex was the most fearsome of all dinosaurs. He could and did kill everything in his path for food or maybe stupid meanness. His brain was very small and he did not survive.There is a T-Rex among us today and it is disguised, but it is killing us in another way. This T-Rex is killing and eating our retirement portfolios. You may have noticed your stock account has lost some of its value during the past 3 years. Something or someone is nibbling away at it. It has gotten so bad that many people don't even want... Read More

Is a SEP Plan Right For Your Business

A SEP is a special type of IRA. Under a SEP plan the employer creates an IRA account for each eligible employee, hence the name SEP-IRA. A SEP is funded solely with employer contributions. Employees do not make contributions to their SEP-IRA retirement account. Any money that goes into a SEP automatically belongs to the employee. Thus, the employee has the right to take his SEP IRA account money with him whenever he stops working for the company.Any size business can establish a SEP, but the SEP retirement plan is utilized mostly by the self-employed and the small business with... Read More

How to Analyze the Veracity of Investment Newsletters

When trying to analyze whether a promotional ad for an investment newsletter or a market timing investment trading system is worthy of investigation, the following questions should be asked:Does the strategy have a track record? Without this you are really allowing your emotions to be in play. All of us want to believe that if someone says something it must be true. Yet the sad fact is the truth is probably just the opposite. Most ads and promotions are put in print for self interests first, and all else second. One has to view anything on the web with a... Read More

Wit and Wisdom on Money, Wall Street and Success - Part #1

I love to collect quotes as they concisely promote a philosophy which is readily understandable.In my 25+ years of investing I have collected hundreds of quotes related to Wisdom, Wall Street and Success. I submit this small selection with the hopes that it will enlighten the forces required for your future financial success. Enjoy!1) "Money really isn't that important. Is a guy with fifty million dollars happier than a guy with forty eight million dollars?"- Milton Berle2) "With money in your pocket, you are wise and you are handsome and you sing well too."-Yiddish Proverb3) "Money is always there, but... Read More

Wit and Wisdom on Money, Wall Street and Success - Part #2

Here are ten more WISDOM packed GEMS that ooffer very unqiue insights to the world of trading and investing.These quotes promote a philosophy which is readily understandable and sometimes hysterical.In my 25+ years of investing I have collected hundreds of quotes related to Wisdom, Wall Street and Success. I submit this small selection with the hopes that it will enlighten the forces required for your future financial success. Enjoy!1) "If 40 million people say a foolish thing, it does not become a wise one."- W. Somerset Maugham2) "One thousand dollars left to earn interest at 8% a year will grow... Read More

Wit and Wisdom on Money, Wall Street and Success - Part #4

Can you concisely summarize your investment philosophy in a few sentences? My experience is that most people can't. The quotes that follow are diamonds that offer a real powerful education in the world of Risk Management. They have had a profound impact in my life. I pass them along hoping they achieve a similar effect on your investments. Enjoy!1) "Rule No. 1: Never lose money. Rule No 2: Never forget Rule No. 1." --Warren Buffett2) "Large profits can be made in common stocks. Large losses can be made in common stocks."-Peter Lynch3) "A fool and his money are soon parted."-Unknown4)... Read More

Options Education : Opinion versus Fact!

The most basic aspect of trading is learning to differentiate between what is FACTUAL and what is OPINION. If you stay interested in the financial markets long enough you will discover that there are a lot of sharks out there who have become expert at making that task very difficult.Several subscribers of this newsletter have contacted me over the last few weeks asking for my opinion of certain promoters who also advocate Options Trading Strategies. I make it a point to not comment on other services. However, without mentioning any names I feel that it is necessary to inform you... Read More

Investing 101: Risk Terminology - BETA

About thirty years ago, statisticians armed with all of their statistical theories began to confront the financial markets. A handful of useful tools emerged that the average investor should be familiar with when they look to purchase stocks.One secret that people "in the know" use is "BETA". "Beta" is a number which reflects how volatile a stock has been relative to the market. This number is also quoted on most quotation services so it is easy to get to, but I have often found that it is never defined. A BETA of 1.00 means that on average, a stock has... Read More

Options Education: Financing the Calendar!

As a trader, one of the key things that I try to consciously do is to cultivate my instincts by talking with other traders and investors as often as possible. It still amazes me how large the divergence of opinion that exists regarding what people believe will unfold as we enter the new millennium. Many very respected names are literally predicting an economic earthquake that will measure a 10 on the Richter scale while others having looked at the exact same research claim that the consequences will be very mild. As a trader I have to evaluate the data and... Read More

Understanding The Real Rate of Return!

There is one indicator more than any other which determines the health of an economy and it is the Real Rate of Return. Furthermore this is the simplest of all indicators to understand because it determines the safety of assets. Next time you hear the TALKING HEADS discussing the nuances of the markets, filter what they say through your own understanding of the Real Rate of Return.The Real Rate of Return is the one number that determines the safety of principal. It is calculated by taking the current BOND YIELD and subtracting the expected INFLATION rate from it. The result... Read More

Remembering TEOTWAWKI and Learning from It

Its only been about 5 years since we had major scares in the marketplace regarding Y2K. You might recall that many computer systems were not programmed to be able to understand the change from 1999 to 2000. There was a tremendous amount of panic created by those who were convinced that as the clock hit midnight on on New Years Eve 2000 that we were going to enter the Dark Ages.By my analysis this never occured....unless I slept through it and nobody bothered to wake me up! (Note to self: Make sure Staff wakes me up when Y2K occurs!)The word... Read More

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