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18/12/2014

New post added at Best Investments for 2015 - What Are The Risks Of Penny Stock Investments?

Trading Penny Stocks
All About the risk of Penny Stock Investments

Many new investors, men and women alike, who are new to trading penny stocks think that penny stocks are the logical selection. Why? Because the word “penny” indicates that the investment is little enough that they won’t need to risk a lot to make a lot of money.

But that’s definitely not the way it is. The truth is that investors, no matter whether they are newbies or pros, need to be very careful. It is correct that penny stocks may not cost a lot upfront in the form of cash in hand, but it could cost you a lot if the company’s stock that you’re trading with collapses.

Penny Stocks Are A High Risk Investment

Although a lot of people engage in stock activities, penny stocks can be categorized as a high risk investment. There are quite a number of risks that are involved with penny stocks
Just like any other investment, trading penny stocks, just like any other investment type, requires every investor to look into a company’s monetary history and expected future earnings as well.
Penny Stock Brokerage Companies

In case you get assistamce from a brokerage firm to help you trading penny stocks, these brokerage companies have to disclose the risks employing a document that tells the customer precisely what the risks are prior to takign the customers money.
Penny Stock Risks

Penny Stock RisksOne big risk when trading penny stocks is that penny stocks are not traded that often unlike any other Penny stocks kinds of higher-priced stocks. So there is a chance that you are being stuck with penny stocks once you own them. And due to the fact that they’re not traded often, the pricing you’re seeing can be inaccurate or completely out of date. Most penny stocks are traded in the over the-counter (OTC) market, as opposed to the national securities exchanges such as the New York Stock Exchange, the American Stock Exchange, and the Midwest Stock Exchange.

However, the biggest risk with investing in penny stocks is the hype that goes along with it and the fact that you can find several so called gurus all over the internet telling you that you can easily make a lot of money fast. I am sure you have already received on of those spam mails telling you that you can get rich overnight trading penny stocks without any risks envolved.
Penny Stock Manipulation

Another common practice is that some scam artists buy a lot of certain penny stocks and then offer them to investors at a higher value than what they’ll be worth once the artificially inflated demand is gone. Of course, not all lowpriced stocks are the subject of fraud. Abuses generally occur when highly speculative stocks are sold by brokerage firms specializing in penny stocks and using manipulative marketing techniques.

Due to the fact that you can start investing in penny stocks with a low initial investment, some brokers even break the rules and charge a lot more for their mark-up commissions. Be careful and make sure you are not getting overcharged!

But there is another tactic unscrupulous brokers use: They simply refuse an investor’s request to trade the penny stocks in for cash. If this happens you’re stuck without being able to cash them out

Nevertheless it should be noted that most brokerage firms operate on a fair basis. Just make sure the brokerage company of your choice is reputable and is handling everything with your best interest and minimizing the risks involved with penny stock investing. Alternatively you could trade penny stocks yourself and not use a brokerage company at all. By doing this you will save the fees. in case you want to start trading penny stocks yourself there are two guides I highly recommend: The Penny Stock Prophet. and Penny Stock Psychics

17/12/2014

New post added at Best Investments for 2015 - Budgeting Vs. Bucketing One will Make you a Millionaire

Budgeting Vs. Bucketing One will Make you a Millionaire..the Other Won't Get You Anywhere

Buck Investors cut their personal expenses because they want to get rich over the long run. We often hear die-hard phrases like "I can't take it with me when I die, so I might as well spend it now." The people who say things like that are usually the ones who are in debt and have trouble managing their money.

So what's the difference between budgeting and Bucketing? When Budgeting, you take your available money and divide it up among things like movies, bills, emergencies, pizza, and oh yeah, we almost forgot..savings.

When Bucketing, you take all the money that travels through your hands and you save, invest and insure FIRST, then allocate the rest among things like entertainment, bills, and emergencies.

In other words, people budget to survive while Buck Investors Bucket to become wealthy.

Bucketing is a very important aspect of Buck Investing. A few dollars saved here and there turns out to be thousands of dollars over a thirty-year Buck Market. What may be a "drop in the bucket" now, can easily turn into Big Bucks later on. Buck Investors who are now millionaires will tell you that if they hadn't saved as much as they could, even if they were producing large incomes, they wouldn't be millionaires now.

Take the example of purchasing a new car. Assume I buy one and finance it over a four year period. But instead of buying a brand new Chevy Blazer for $28,000, I buy a "practically new" Blazer for $24,500. My used model is only six months old with only 6,000 miles.

If I had financed the new Blazer over four years, my monthly payment would be $583. But the monthly payment for my used Blazer is only $510. So that's a difference of $73 per month. Let's assume that I will buy a slightly used car every four years for the next 30 years.

I'm basically saving $73 per month for the next 30 years, and I'm going to invest that each month. At the end of 30 years, after having earned a historical 11% return per year, I will have accumulated over $200,000! That's right, by buying a slightly used car and investing the difference of $73 per month, my 30 year net worth will have increased by over $200,000!!

The down side that many people see in Bucketing is obvious--that we all want to own lots of nice things. Well, I'm going to let you in on a little secret...as long as you SAVE and INVEST the first 15% of your income, you can spend the rest of your money on whatever your heart desires. (Just don't forget to pay the bills).

On the other hand, being a little thrifty never hurts. If you don't care about keeping up with the latest fashion trends, buy inexpensive clothes from the sale rack. Retailers like Gap, Abercrombie & Fitch, and Geoffery Beane have these racks almost all year long. If you do want a nice car, spend the money you save from your clothes on your car. But don't forget, most importantly, save and invest first.

The three keys to Bucketing are as follows. If you can do this, you'll be well on your way to becoming a successful Buck Investor.

Save and Invest the first 15% of your income (The more, the better).
Don't waste money on stuff you don't need. These add up very quickly.
Enjoy the money that's left over.

17/12/2014

New post added at Best Investments for 2015 - A look at the Habits of Millionaires

Let's have a look at the Habits that Make up the Average Millionaire

The Millionaire Next Door, by Thomas Stanley and William Danko, explores what the typical millionaire, or Joe Millionaire as we've named 'em, is like and how they got where they are.

Joe Millionaires didn't get rich from inheritance or striking it rich on Wall Street, they got there because they were, and are, Buck Investors. The average millionaire is hard working, often has his own business, and lives frugally so that he can invest for the long run. Don't be turned off by the word "frugal," what you spend your money on doesn't matter as long as you're saving enough. The point is, spend money on whatever you desire as long as you put investing as your top priority.

Joe Millionaire went through life working to get rich, not working to spend. Take a Doctor who makes $250,000 per year. He has a lot of cars, a nice house, and nice clothes (status symbols); but really has no wealth. Everything he buys depreciates, with exception to his home. The Doctor isn't rich just because he makes a high salary. In fact, the Doctor isn't rich at all--he works to spend. But, Joe Millionaire is rich because he works to get rich.

The Joe Millionaire's house is worth around $275,000, and he has somewhere between $1 million and $5 million. He went to a public school and got married in his early to mid twenties. Consequently, his wife is a homemaker. She looks after the three kids, clips coupons, and irons his suits; which he rarely spends more than $400 for.

Joe has an average income of $131,000, which makes you wonder how he got to be a millionaire. He did it because he worked to save and get rich. He and his wife clipped coupons. He never bought a car for more than $30,000, and surely never leased one. Joe Millionaire is a Buck Investor. He worked, saved, invested, and got rich over the long run. It's a fail-safe system!

10/12/2014

New post added at Best Investments for 2015 - Investment Strategies

Every now and then people come up with ways to try and predict the stock market. You may have heard of the super Bowl Predictor. Is it just coincidence that the super bowl as a stock market predictor has been about 85% accurate in calling the market since 1967?

This is how it works: If the super bowl is won by an "original" National Football League team, the market will end the year higher; if the winning team is from the American Football League, the market will head south. Nobody knows why this has worked out to be so accurate, but I wouldn't suggest betting your life savings on this strategy.

Investment strategies are basically philosophical methods on how to invest your money. There are dozens and dozens of investment strategies out there, some good and some not so good. We will give you a couple of examples of strategies which have historically proven to be good and some that you should stay away from.

Dogs of the Dow

DogsThis strategy is one in which you invest in the ten highest yielding Dow stocks every year. And each year, you replace the stocks if they fall out of the top ten. (Dow refers to the Dow Jones Industrial Index which consists of 30 of the largest and well known corporations. This index is one of the most closely watched, thus when you hear that the Dow Jones closed 30 points higher, it is referring to these 30 stocks.)

The highest yielding means the ones that are paying the highest percentage of dividends. For example, the Dogs of the Dow for 1998 range from yields of 2.31% to 4.19%. So, is this a good strategy or a bad one you ask. I would say it has been a good strategy historically. Over the past 31 years, $10,000 invested in a portfolio of all 30 stocks in the Dow Jones provided a total return of $208,853. The same $10,000 invested in the Dogs of the Dow provided a total return of $803,575......284% greater return.

Basically, you invest in the top ten and about once a year, you drop the ones that fall out of the top ten and replace them with a higher yielding stock.

The 1998 Dogs of the Dow

Buy, Hold and Watch

This strategy is essentially the "boring" way of investing but one which will likely make you rich. It basically means buy good quality stocks and hold on to them for the long term.

This saves a lot of commission fees and headaches and here is the proof that it works: Even if for 20 years in a row you chose the worst possible day to invest in stocks (the day that prices peaked for the year) you would still have made real money.

For example, if you had put $2000 a year into the S&P 500 between the years of 1969 and 1988 which include a terrible decline in the early 70's and the crash of 87, you would have totaled more than $130,000 which equals out to a 10% annualized return.

I would suggest reviewing the stocks about once a year and making sure that they are still a high quality stock. You don't want to hold on to a stock that is going down the tubes.

Short-Term Trading

This is where one buys and sells stocks in hopes of making a quick profit. Generally, this strategy does not work because the stock market is subject to so many unforeseen occurrences that cause short-term fluctuations that it is almost impossible to time the market or make profits consistently.

Day traders, as they are called, consist of investors who buy stocks and sell them on the same day in hopes of making a profit. Serious day traders usually attend seminars which cost around $5000 to learn how to "successfully" trade short term. It is not unusual to see a professional day trader gain or lose $20,000-$50,000 per day and as a group, these guys do not outperform the markets.

Investment Systems

Any time someone says they have a system to beat the stock market, turn the other way and walk away because they are basically lying. There are countless books on systems and a lot of people attend seminars which present an "unbeatable system to beat the market". If you ever go to these seminars, it is easy to see how people can get tricked into these schemes. Usually, there is a great speaker who talks about "market timing" and how you can become rich quickly.

If the person selling the "investment system" can successfully time the market over and over again, why are they not the richest person in the world? They are probably wealthy however, not from investing, but from naive people buying into these systems.

My suggestion is whenever you hear the term investment system coupled with words like "automatic", "foolproof" etc., watch out. More often than not, it will turn out to be a waste of your time and money.

10/12/2014

New post added at Best Investments for 2015 - Dogs of the Dow Strategy Historical Returns

1998 Dogs of the Dow

COMPANY
YIELD

Phillip Morris
3.54%

Morgan (J.P.)
3.37%

General Motors
3.29%

Chevron
3.01%

Eastman Kodak
2.91%

Exxon
2.68%

Minnesota Mining & Mft.
2.58%

International Paper
2.32%

AT&T
2.15%

DuPont
2.10%

Above is the table of the Dogs of the Dow Historical Performance

10/12/2014

New post added at Best Investments for 2015 - How To Start Saving Money without a Catch

When it comes to investing, it helps when you have money to invest. I realize that as a young person, it can sometimes be difficult to save money. You have car payments, school payments, rent, laundry, food bills etc. all of which you have to pay month after month.

You may have already tried to save a penny or two with no luck, thus putting off investing and wasting your most precious asset which happens to be time.

How about if I told you that there is a way to save money, to save more money than you ever dreamed of, without a catch. That's right, I said without a catch. That means that you will be saving money while paying all your bills and spending money on whatever you wish. How can one do this you ask? Simple, PAY YOURSELF FIRST!

You may be wondering how this works and I will illustrate it for you by giving you two examples. One is the wrong way and the other is...yes, you guessed it, the right way.

The Wrong Way to Save

Adam is a typical college student. He wakes up at 1:00 in the afternoon just like all the other college kids and goes to bed at sunrise. Adam has decided that he wants to start saving and investing so he, like many ill-fated savers before him, decides to make a budget.

He works at the library and makes $100 per week. On the budget, he lists the most important bills to pay first such as his loans and car payment. He then lists such things as emergencies and entertainment near the end, but his fatal mistake is listing savings dead last.

He wants to save $15 a week and scratches in 15 next to savings. At the end of each week however, it seems that he can never save a penny. For some reason or another, emergencies and entertainment seem to cut into savings.

50 years later, at age 70, Adam is still working in his factory job because he can't afford to retire. The only thing Adam does for fun is rock in his chair.

This is what usually happens when people are trying to save what is left over after paying everything else. Little things such as sodas, candy, junk food, all eat away at savings without you ever realizing it.

The Right Way to Save

Bob, also a typical college student, decides he wants to start saving and investing. He wants to save but he doesn't want to sacrifice fun while doing it. He decides the only way he can do this is by paying himself first.

Whenever Bob gets a check, finds money, or gets his hand on money, he takes 15% of it, no matter how small the sum, and puts it away into a savings account where he cannot touch it. This way, he guarantees himself 15% savings of everything he makes. He finds out that after he has done this for awhile, he still gets to pay his bills and enjoy the rest of the money without changing his lifestyle.

25 years later, at age 45, Bob is relaxing on a hammock under two palm trees and in front of crystal clear water thinking of ways to spend all the money he has saved and invested.

You see, when you force yourself to save as soon as you get hold of money, you can enjoy the rest of it guilt free on anything you want, and it really doesn't change the way you live. Try it for a few weeks and the only difference you will notice is an increase in savings.

09/12/2014

New post added at Best Investments for 2015 - Why Should You Invest?

1. Investing offers you financial security throughout your life.

Let's start by asking a question to emphasize this point. Knowing what you know now, would you have done something differently while growing up? Such as study more in high school or start your favorite sport at an earlier age? Who wouldn't?.

Now, do you think when you retire, you will have something you will regret? Sure, everybody has something or another that they regret not having done. I'd like to throw a fact out at you. There was a survey done recently on people who were about to retire. They asked them "If you could live your life over, what would you do differently? 60% said that their greatest regret was that they wished they had saved more money.

The Survey
Taken from USA Snapshots

What seniors would have changed in their lives: (Survey of 1000 adults age 65 and over.)

Saved More Money 51%
Traveled More 47%
Chosen a Different Career 31%
Lived Somewhere Else 18%
Gotten Married/Married Someone Else 11%

I don't know about you, but I don't want to make the same mistake that 60% of these people made. So, to recap, having financial security will allow you to live life without worrying about money shortage.

2. It doesn't take much to accumulate money over the long run.

Let me give you an example. Let's say that you eat a McDonald's Big Mac Combo everyday for lunch. This costs $3.20 with tax. Now let's assume that you wanted to cut back on fat and increase your savings. Instead of spending $3.20 on the lunch, you decide to invest it.

ViperHere comes the good part...if you had done this for the past 15 years and invested this $3.20 per day into the S&P 500 which has returned about 15% annually for the past 20 years, today you could be driving the Dodge Viper*, and in addition to this, you would have over $20,000 left over for gas (Vipers only gets 12 miles per gallon). That is the power of investing small amounts regularly.

* Estimated Value of 1995 Dodge Viper is $45,000

3. Beat Inflation

Put plain and simple...history reveals to us that the best place to have put your money is in the stock market. Since 1929, the S&P 500 has returned an annualized rate of about 10%. At the same time, Inflation has been eating away at about 3-4% of that.

Let me give you an example. Let's say you have $100,000 today. If you hid that money as cash in your closet and let inflation eat away at it, in 20 years, it would be worth about $50,000 in today's dollars. That means inflation ate half your money away in 20 years. Now, let's say you put that money in the stock market and returned 10% annually. This comes out to about 6.5% after inflation. 20 years later, your money would be worth about $350,000 in today's dollars. I don't know about you, but for me, an extra $300,000 is worth taking a minor risk by investing for the long-term

07/12/2014

New post added at Best Investments for 2015 - Advantages & Disadvantage of On-Line Investing

The buzz with online trading started shortly after the first brokers cranked up their web sites back in 1994. Five years later with a cornucopia of new brokers, the party is just beginning. Online investing is a great tool for the individual investor, but as always, with the good comes some bad.

Many investors think to themselves, "Hey, I can be a market player, a real pro." But with all the excitement many investors have gotten burned, or better said, burned themselves. So if you're not trading online yet, you should approach the party scene cautiously, have a game plan and be informed.

Advantages of Online Investing

As capitalistic Americans we like to do things for ourselves and make money. That's one of the key benefits of online investing; control. You don't have to rely on your broker being in the office at 9:30 when the markets open, and you don't have to worry about them being out to lunch when you want to make a purchase. It's ultimately your decision, and your broker won't be urging you to buy stocks to meet his quota.

The online investing sector has become so competitive that commission rates have gone through the floor. You really can't beat the rates, even with a discount broker in your neighborhood. Purchasing 50 shares of a $20 stock from a traditional broker may cost you $80, while you could do it online for $10 to $15. By taking the online route, you could buy another three shares. And that can really add up. For example, if you did that once a month for a year, you'd end up with 36 more shares at the end of the year. Now that's Buck investing.

Ever hear the expression "Don't go around your back to get to your thumb?" That's a strong argument for Internet investing. Investors can log on, punch a few buttons, and their investments are bought and sold in an instant. They don't have to call their broker, wait for a call back, or listen to the spiel about the mutual fund their company is trying to sell. Plus, if they're too busy during the day they can place their trades after dinner. Just sign in, buy, sign out--it's that easy.

Disadvantages of online Investing

Many have referred to the online brokerage sites as "virtual casinos." If you've ever traded online, you must admit that it's tempting to buy/sell, buy/sell, buy/sell. The control and power make it quite entertaining! Be careful and remember Bucks invest in the thirty year Buck market, not the next two hours. Some people get lucky buying stocks on a whim, but we can almost guarantee that the Buck strategy will make you a millionaire if you follow it consistently.

Above we mentioned that one of the great aspects of online investing is the control. But what do you do if you're not sure the stock is a good buy? You think, "I feel really good about this one. But what if I'm wrong? What if I don't buy and it ends up skyrocketing over the next few years?" These thoughts are the greatest fallacy of online investing. It really is nice to have a second opinion from a broker. And that's something that can't be replaced by a computer. If the physical brokerages are still in business twenty years from now, it's because investors still need hand-holding.

There was a good article in a national paper that described the problems of daytrading and online investing. Daytraders in general, are amateur investors that attempt to generate income from trading stocks. They thrive off of the control and the little red devil inside their head that tells them "Come on. Make a trade. You can beat the market!" While some daytraders are successful, the fact is that the majority are not. A research company did a study and found that 80% lose all of their money within six months.

Learn from their mistakes. Online investing is definitely Buckish if you do it wisely and follow our guidelines. No one can guarantee you that a stock is going to move up or down in the next day. But if you're a Buck investor, we can guarantee that stocks will always go up for the long-term.

07/12/2014

New post added at Best Investments for 2015 - How do Savings Bonds Work?

Savings Bonds

Savings bonds are one of the most commonly given financial gifts so there is a very good chance that you may have received a savings bond sometime in your life. Maybe one Christmas morning you were opening presents and found that your grandparents had given you a savings bond or maybe you were the one giving a savings bond to someone and you would like to know a little more about them. (Series EE bonds are the most common form of US Savings Bonds still in possession by the public so these will be the type discussed.)

How Savings Bonds Work

US Savings Bonds are issued by the United States Treasury directly to the to the investor. When bonds are sold, they are sold at a discount. That means the buyer does not actually pay the face value of the bond. Instead, they pay half of the face value and the bond appreciates in value over time with the help of interest. The bond is later redeemed. Many local banks will redeem a savings bond for you.

Each bond receives a certain amount of interest. The amount of interest that a bond is receiving varies depending on when it was issued. The interest is added each month and is compounded semi-annually. The average series EE bond will mature to its face value in about 14 years. In 1995, bonds were guaranteed to reach face value within 17 years.

Bonds are also given a maturity date. The maturity date is the date in which the bond stops earning interest. For most bonds, the maturity is 30 years. However, some bonds may continue earning interest for up to 40 years. This means that the bond has the ability to grow beyond its actual face value. For example, if a $1000 bond is held for 30 years at a 5% annual return, it would be worth about $2160, more than double the face value and four times the amount paid for the bond.

Saving Bonds and Taxes

Yes, you heard correctly. Unfortunately, even savings bonds are subject to taxes. However, they are exempt from local and state taxes. That still leaves the federal taxes to worry about though. The interest on the bonds grows tax-deferred and you don't have to pay taxes on the interest until the bonds are redeemed.

If you own a particularly large bond, then you can pay taxes on the interest each year at tax time. This will help keep you from having a large tax liability when the bond is redeemed.

Advantages of Saving Bonds

Bonds make great gifts for children and young adults
Savings bonds given as a gift show that you care about the receiver's future
The interest on these bonds grow tax-deferred, maximizing the amount of money to be gained.
Savings Bonds can be bought at a discount
They are exempt from local and state taxes

Disadvantages of Saving Bonds

Inflation decreases the amount of money that is actually gained through savings bonds
They are not exempt from federal taxes.
Savings bonds cannot be redeemed until at least 6 months after the issue date
If the bond is redeemed within 5 years, 3 months of the interest is forfeited
The return is not as great as you would get from the stock market.

Savings bonds are the first true investment held. They have been around for many years, and despite the recent craze of the stock market, will continue to be around for many years and will also continue to make great gifts.

06/12/2014

New post added at Best Investments for 2015 - Time Value of Money – Let your Money do All the Work

Imagine if you will, an invisible force which magically transforms each of your dollars into a living, breathing employee who is more than happy to work 24 hours a day, 7 days a week...all for free!

Every hour, your money works enough to make you more money. Over a year, each dollar bill brings in about 10 cents, each $5 bill brings you 50 cents, and if you're lucky enough to have a $100 bill, it will bring you $10 every year. The best thing about this whole arrangement is that each new dollar produced will also be working 24/7 to bring you more money.

With a situation like this, it wouldn't take long to have hundreds and thousands of dollars working for you, all for free.

Now it's time to let you in on a little secret. This "invisible force" is actually real, and it's called the time value of money. This concept basically states that $1 today is worth more than $1 in the future. This is true, mainly because money is willing to work, and the work it does produces more money. Given enough time, that $1 will become hundreds of dollars.

Just like people, money goes to various different places to work and gets paid differently depending on what it does. For example, one dollar bill may go to work at a savings account and bring back 3 to 4 cents a year whereas another one dollar bill, who is more aggressive, may go work for a publicly traded company in the stock market and may bring back a lot more money, in some cases, $1 or more per year.

Sometimes, where a dollar bill goes can be dangerous, and like people who work at dangerous jobs such as firemen, they may not come back. But on average, money that goes to work in the stock market will bring back about 10% of its value per year.

Hopefully, you're now starting to realize that a dollar bill is actually worth more than you thought due to its work potential. Remember that whenever you buy something, you're not only giving money in exchange, but you're giving away dollar bills who would have otherwise worked for you for free.

If you buy a $25,000 car, you're actually paying more than you think because with that amount of money, you can bring in $2,500 per year. Over a 10 year period, that money, plus all its kids, grand kids, and great-grand kids could have brought you an extra $50,000 if you had let them work in the stock market instead of trading them for a car.

Unless you keep all your money under your mattress (Which would be stupid), you should always ask yourself whether something you're about to buy is worth what you're paying, considering that you're giving up loyal workers each time you exchange something for money.

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