Navigation
  • Essay Webtraffic
  • Essay Google Adsense
  • Essay Random Articles
  • Essay Various
  • Essay Self Improvement Articles
  • Essay Articles Marketing1
  • Essay Accounting
  • Essay Acid reflux
  • Essay Acne
  • Essay Adsense
  • Essay Adult
  • Essay Advertising
  • Essay Adwareand spyware
  • Essay Aff10mar
  • Essay Affiliate
  • Essay Affiliate Marketing
  • Essay Affiliate Marketing On The Internet
  • Essay Affiliate Success
  • Essay Affiliate Marketers
  • Essay Affiliate Articles
  • Essay Affiliate Programs
  • Essay After School Activities
  • Essay Aikido
  • Essay Air Purifiers
  • Essay Air freight
  • Essay Air Purifiers
  • Essay Alternative energy
  • Essay Alternative Medicine
  • Essay American History
  • Essay Anger management
  • Essay Art Auctions
  • Essay ArticleMarketing
  • Essay Articles
  • Essay Articles Web Design
  • Essay Articles Marketing
  • Essay Articles
  • Essay Article Marketing
  • Essay Article Writing
  • Essay Artmarketing
  • Essay Arts Entertainment
  • Essay Aspen nightlife
  • Essay Aspen Nightlife
  • Essay Astrology
  • Essay Astronomy
  • Essay Atkins Diet
  • Essay Attraction
  • Essay ATV
  • Essay Auctions
  • Essay Audio Video Streaming
  • Essay Autism
  • Essay Auto Navigation Systems
  • Essay Auto Responders
  • Essay Auto sound systems
  • Essay Auto Leasing
  • Essay Autoresponders
  • Essay Aviation
  • Essay Babies
  • Essay Baby
  • Essay Back pain
  • Essay Backyard Activities
  • Essay Bargain Hunting
  • Essay Bathroom Remodeling
  • Essay Bathroom accessories
  • Essay BBQs
  • Essay Beach Vacations
  • Essay Beauty
  • Essay Biking
  • Essay Biography
  • Essay Black History
  • Essay Blog Marketing
  • Essay Blogging
  • Essay Blogs
  • Essay Bluetooth Technology
  • Essay Boarding
  • Essay Boating
  • Essay Boats
  • Essay Bodydetox
  • Essay Book Marketing
  • Essay Book Reviews
  • Essay Breast Feeding
  • Essay Breast Cancer
  • Essay Budgeting
  • Essay Burglar alarm
  • Essay Business
  • Essay Buying A Boat
  • Essay Buying Paintings
  • Essay California tan
  • Essay Camera bag
  • Essay Candle Making
  • Essay Car Rental
  • Essay Car Stereo
  • Essay Cardio
  • Essay Careers
  • Essay Carpet
  • Essay Cars
  • Essay Cats
  • Essay CD duplication
  • Essay Celebrities
  • Essay Cell Phone
  • Essay Child Care
  • Essay Choosing the Right Golf Clubs
  • Essay Christmas Shopping
  • Essay Cigars
  • Essay Closet Organizers
  • Essay Clothing
  • Essay Coaching
  • Essay Coffee
  • Essay Coin Collecting
  • Essay Colic
  • Essay College
  • Essay College Scholarship
  • Essay Colon Cancer
  • Essay Communications
  • Essay COMPUTER GAMES & SYSTEMS
  • Essay COMPUTERS, LAPTOPS, SMARTPHONES
  • Essay Computers Technology
  • Essay Computer Certification
  • Essay Consumer Electronics
  • Essay Contact Lenses
  • Essay Cooking
  • Essay Copywriting
  • Essay Corporate gifts
  • Essay Crafts
  • Essay Crafts articles
  • Essay Craigslist
  • Essay Creating an online business
  • Essay Creativity
  • Essay Credit
  • Essay Credit Card
  • Essay Credit Cards
  • Essay Credit score
  • Essays Credit Cards
  • Essay Credit Card Debt
  • Essay Criminology
  • Essay Cruise Ships
  • Essay Cruises
  • Essay Currency Trading
  • Essay Customer Service
  • Essay Dance
  • Essays Data Recovery
  • Essay Data Recovery
  • Essay Dating
  • Essay Dating Women
  • Essay Debt
  • Essay Debt Consolidation
  • Essay Decorating for Christmas
  • Essay Dental
  • Essay Dental Assistant
  • Essay Depression
  • Essay Destinations
  • Essay Diabetes
  • Essay Diamonds
  • Essay Diesel VS Gasoline vehicles
  • Essay Dieting
  • Essay Digital Camera
  • Essay Digital photography
  • Essay Digital Cameras
  • Essays Digital cameras
  • Essay Digital Products
  • Essay Disease Illness
  • Essay Disneyland
  • Essay Divorce
  • Essay Divorce rebuild life
  • Essay Dogs
  • Essay Domains
  • Essay EBay
  • Essay Ebooks
  • Essay Ecommerce
  • Essay Education
  • Essay Elderly Care
  • Essay Elliptical trainers
  • Essay Email Marketing
  • Essay Emergency preparation
  • Essay Entrepreneurs
  • Essay Environmental
  • Essay Writing
  • Essay Ethics
  • Essay Eventplanning
  • Essay Excavation Equipment
  • Essay Exercise
  • Essay Extra Income
  • Essay Extreme
  • Essay Ezine Marketing
  • Essay Ezine Publishing
  • Essay Family Budget
  • Essay Fashion
  • Essay Fashion school
  • Essay Feng shui
  • Essay Finance
  • Essay Finance and insurance
  • Essay Fishing
  • Essay Fitness
  • Essay Fitness Equipment
  • Essay Food Beverage
  • Essay Forex
  • Essay Formula D Racing
  • Essay Forums
  • Essay Fruit Trees
  • Essays Fruit Trees
  • Essay Fundraising
  • Essay Gambling
  • Essay Gambling Casinos
  • Essay Games
  • Essay Garage Remodeling
  • Essay Gardening
  • Essay General
  • Essay Goal Setting
  • Essay Golden Retriever
  • Essays Golden Retriever
  • Essay Golf
  • Essay Google Sense
  • Essays Google Adsense
  • Essay Gourmet
  • Essay Government
  • Essay Grief
  • Essay Hair Loss
  • Essay Happiness
  • Essay Hardware
  • Essay Health
  • Essay Health Articles Pack
  • Essay Healthy Aging
  • Essay Healthy Eating
  • Essay Health Fitness
  • Essay Health Insurance articles
  • Essay High Definition Video Cameras
  • Essay High Definition Video Cameras
  • Essay Hiking and Camping
  • Essay Hobbies
  • Essay Hobby Articles
  • Essay Holiday Games Activities
  • Essays Holiday Games Activities
  • Essay Holidays
  • Essay Home and constructions
  • Essay Home decorating
  • Essay Home Schooling
  • Essay Home Security
  • Essay Home Theater Systems
  • Essay Home Theater
  • Essay Homeschooling
  • Essay Home Security
  • Essay Home Based Business
  • Essay Home Entertainment
  •  
    Free Essay
    6.9 of 10 on the basis of 3950 Review.
     

     

     

     

     

     

         
     
    Managing your risks in the stock market

     

    Whenever you invest your money in the stock market, you take on a certain amount of risk. While there is no way to get around that risk, it is possible to manage your risk by educating yourself before you start trading. One of the most important things to remember about any investment, is that if your capital is borrowed, you take on an even greater risk than the actual investment itself. It is never a good idea to borrow, either from a lending institution or from your credit cards, to come up with the money you need for any particular investment. This maximizes your risk in that, if the investment doesn't pan out, you will still have to repay the amount you borrowed, and may even have to pay penalties depending on your financial position and ability to repay. Make sure that before you start trading, you have planned ahead and set aside the capital you will need to invest. This will eliminate that third party, and ensure all of your profits will go in your pocket, and not some bank's ledger. Keep in mind, though, not only will you need the money for your capital, but also for the most expensive part of the stock market - brokers fees. While each broker will have different rates, most charge a flat fee per trade. These flat fees make it much easier to see a return on your investment much sooner than you would with a variable rate. This also means that, if you are starting with a fairly large investment of perhaps $10,000, and the brokers trading fee was a $100 flat rate per trade, you would only have to see a one percent return to break even. Of course the reverse is also true, in that if you are starting with a smaller investment of only $1000 or so, you would have to see at least a ten percent return to do the same. Your rate of return will also depend on whether you are investing in a short term or long term system. In a short term system, you will have many more trading fees, since it is based on the buy low, sell high, do it now philosophy. With a long term system, however, you will incur far fewer trading fees due to the fact that with a long term investment, you are investing in the future viability of a company, rather than in an immediate merger or other change. Managing your money wisely will help to manage your risk. But it is important to remember that even when your monetary risk has been considered, there is always the market risk. That is to say that there is always the chance that when you invest in the stock market today, there is no guarantee that the market will exist tomorrow. There are no guarantees in stock market trading, and there is no way to eliminate your risks entirely. But with good financial planning, and a little common sense, stock investments can be a wonderful way to provide money for your future.

         
    Market timing a danger to your financial success

     

    Market timing are the two most dangerous words in investing - especially when practiced by novice traders. Market timing is the strategy of attempting to predict future price movements through use of various fundamental and technical analysis tools - and when used to predict trending moves, ends in disaster, and losses. Many investors feel that market timing is the same as trend following and the two go hand in hand, they don’t. Trend Following and Market Timing Trend Followers REACT to market movement and act on these moves when they occur. Traders who believe in Market Timing think they can PREDICT turning points in advance and buy at a low or sell at a high. This is impossible to do; no one can predict the market. Market timing advocates “buy low and sell high” but this is not the way to make money from trend following. The Real aim of Trend Following To increase your chances of success in trend following you need to wait for confirmation of a move and for a trend to develop. You are going to miss the start of the trend and not buy the bottom or sell the top, but this is hindsight. By waiting for the confirmation for the trend to develop, the probability of the trend continuing and you getting a proportion of the profits are vastly increased. The real way to make money don’t predict wait for confirmation! The real way to make money is by “buying high and selling higher” and “selling low and buying lower” You will have far less losses this way and still make healthy profits than if you try to predict with market timing techniques. Market timing is doomed to failure - as the market never does exactly what we expect, and no scientific law governs the market (despite what the followers of predictive theories such as Gann and Elliott wave might tell you). We are only dealing with probabilities - not certainties. Trading is an odds game and your entry and exit levels from the market need to reflect this. This means trading only when the trend is underway and likely to continue. Dealing with Volatility When dealing with market timing many traders are attracted to it as they feel it controls risk. One of the major problems for traders is when they enter a trend in motion and they get stopped out. The most effective way of entering a trend is a breakout method, but very often the trade dips back stops out the trader and then goes back they way they thought, but there is a solution: Enter the Trade with Options Options give you staying power to ride out short-term pullbacks against you, but you need to know how to use them correctly and this means: 1. Buying in the money or close to the money options 2. Make sure you have plenty of time value on your side This will increase your chances of success dramatically; give you staying power, limited risk and unlimited gains! The best Method, Market and Vehicle for Trading The best method to get in on a trend is a breakout method (read our other articles for more information on why) the best vehicle to control and manage risk on entry is options. Finally, the best markets with the best trends to lock into for profit are: The global FOREX markets, all the major currencies offer great long-term trends, many of which last for years. These trends last so long that you can forget trying to predict with market timing and just take a proportion of the trend, which will still give you big profits over the longer term. As you can see market timing is misunderstood and has nothing to do with making money from trend following and actually creates risk, rather than reducing it.

         
    Microcaps can be big investments

     

    September 11, 2001 was a defining moment in the history of our country. Prior to this historical date the Department of Homeland Security was not even created and airport security was just like any other industry. Investors have capitalized on the recent surge in this sector. As most investors do, they go for the bigger companies and bigger name stocks when investing. As a result there are many micro-cap stocks that get overlooked. Micro-cap stocks sell for $5 or less per share. While you most likely will not become the next Warren Buffet by investing solely in micro-caps you can and should add them to your portfolio. Just as you will not become filthy rich with micro-caps, you will most likely not go broke either. Because of the minimal selling price there is so much less risk. Whether you are looking to improve your existing portfolio or you are just getting into investing, and you do not have a lot of money to spend, this level of stocks can be an excellent investment. Some of the companies that exist in the homeland security sector are relatively new, which makes researching them a bit more difficult than a company such as GE. If you do spend the time you can find some excellent stocks. When looking for a company to invest in you should consider things such as management, what the current hot products in the industry are, and some evidence of stability. I will share some companies that I feel meet these criteria. By no means should these examples be taken as a recommendation. This is just a guideline of what to look for in a possible investment. If you decide to invest in any of these companies it should be because you researched them and found them to be a good investment for your portfolio. • Global ePoint, Inc.- symbol (GEPT)- they develop and manufacture industrial and commercial computer systems as well as digital audio and video surveillance. The company is made up of three divisions: Aviation, Contract Manufacturing, and Digital Technology. Some of Global’s biggest clients are: Citibank, FedEx, GE Interlogix, Universal Studios, and American Airlines. Global has been very active in the news in recent months as well: o October 28, 2005- Global ePoint’s aviation division is awarded $750,000 in additional contracts to be delivered during the fourth quarter. o November 3, 2005- Global wins the Ukiah, CA Police Department contract. o November 7, 2005- Global receives orders for $1.2 million of Image Processing Equipment for X-ray scanning equipment. Global’s management is proven as well. Their CEO, Toresa Lou, was CEO of McDigit Company prior to being named the CEO of Global ePoint. She took McDigit from $0 in annual sales to over $400 million annually. Their stock price ranged from a 52 week low of $2.00 per share up to a 52 week high of $8.00 per share. • Sense Holdings, Inc.- symbol (SEHO)- Their primary business is the explosive detection, human authentication and identification, as well as time and attendance systems. Sense Holdings has been in business since July of 1998. o They have recently been awarded contracts from two Fortune 100 companies for deployment of biometric solutions. o Sense Holdings was given exclusive sales and representation rights to a U. S. granted patent. The patent is for the use of biometric technology to access and operate any motor vehicle. The biometrics included in the patent are: fingerprinting, voice, facial, and iris recognition to be used in cars, boats, plans, and trains. The co-founder of the company is still involved and now the CEO and President of the company. The five people highlighted as the leaders of Sense Holdings, Inc. all have successful careers prior to founding or joining Sense Holdings. Their stock is a bit different than Global. Their 52 week low was $.14 per share and their high was $.42. Such low prices might be enough to scare off some investors. • Sniffex, Inc.-symbol (SNFX)- Founded in October of 2004. They have only one product, which is a device that will detect explosive material up to 100 feet away. It can even detect explosives through metal boxes or concrete walls. There are variables that would determine its ability, such as weather conditions and the amount of explosive used. This is their only product. o Paul Johnson is their CEO. He has lead over seven companies in his career. Although all of them, prior to Sniffex, Inc., were more web-based technology companies. If I were thinking of investing any of the three companies I have mentioned so far I would be most skeptical about Sniffex. They are the newest of the three companies. They have a leader that is new to the industry, and they have only one product, albeit a very important product. Their current stock price, as I write this, is $1.65 a share. The 52 week low was $.05 per share with a high of $6.00 per share. While doing research for this article I came across many companies. There are dozens of companies in the Homeland Security sector. It is an important industry for obvious reasons. I read some “experts” views on some companies where they give recommendations on which companies you should and should not invest in. One of these recommendations was for a company that currently had no products on the market. They were awaiting numerous patent approvals. The recommendation went on to break down what would happen if the patents were approved. As I was reading it I thought to myself, “This guy must own stock in this company.” Could this stock make you a lot of money if the patents are approved, of course. But, I think I have shown in this article that there are other companies that offer similar opportunity for return on your investment for much less risk. If you are researching this sector I think you have the chance to make some solid investments. Just use good judgment and look for the rights indicators for success.

         
    Momentum investing and trend following the secret to significant portfolio returns

     

    Two popular terms which often confuse investors are "trend following" and "momentum investing." Perhaps the most glaring commonality between these two is their blatant defiance of "buy and hold," the practice of selecting an investment and holding it indefinitely, believing that over time the market goes up, and therefore any investment will appreciate. Although the buy and hold approach has been touted for years by academics as the best method of investing, in reality it has its shortcomings, which are apparent in every Bear market. Despite being the antithesis of buy and hold, both momentum investing and trend following strategies are predicated upon a disciplined investment approach that's designed to buy when the price of an issue is increasing and sell when the price is declining. Additionally, an exit strategy is normally incorporated to override the human tendency to hold losing positions much too long. Yet despite the distinct characteristics that these two terms share, in reality they are quite different. What is Trend Following? Trend following, in its most basic definition, is a systematic investment approach predicated upon buying and selling securities based on the sustained price movement of the issue. It's important to point out that trend followers don't predict the future price movement of a stock; rather they examine the issue using technical analysis to determine which direction, if any, the equity is currently moving. If a bullish trend is emerging, the trend follower will likely buy a position in the stock and hold it until the trend begins to weaken or change direction. If the equity exhibits a bearish trend, the trend follower can short the position, wait until the trend reverses, or merely find another issue. But there's much more to being a successful trend follower than just selecting and buying securities. In fact, it can be argued that the most important aspect of trend following isn't when and what to buy, but rather when and what to sell! Often times, successful trend followers establish a "sell rule" that must be violated prior to selling the issue. These sell rules vary depending on the risk tolerance of each investor, but they typically consist of a trailing stop loss coupled with a confirming indicator. The overarching benefit of sell rules is that they provide a disciplined, mechanical methodology which the average investor should seriously consider implementing into his investment philosophy. What is Momentum Investing? Momentum investors are constantly searching for companies that are moving faster than the market. They believe substantial returns can be realized if they find, buy and hold onto those issues for as long as the price continues to go up. The old axiom, "if it isn't broken, don't fix it" illustrates the shared philosophy of momentum investors; those companies with the biggest price changes over the last few months are more likely to continue making substantial gains. Fundamental analysis plays a much bigger role in momentum investing than it does in trend following. Momentum investors believe that buried within a company's earnings statement is the reason why the price has been increasing so dramatically. And if that underlying reason is uncovered, the opportunity presents itself to capitalize on that knowledge in the future. In the case of trend following, investors want to identify where a security may be within the performance cycle. For example, how close to the 52-week high or low is the current market price and what is the short-term direction of the issue? For the momentum investor, the key criteria may be the relative strength of the security versus the market or more importantly the peer group of the particular security in question. How to Develop a Successful Investment Strategy Investors often ask why go through all the effort of actively managing a portfolio. The simple answer lies in the proven behaviors of economic cycles and sector rotation. Independent studies have proven that over time the largest percentage of a securities' price appreciation is driven by the industrial group within which the company is classified and not the performance of the individual company itself. However, the real reason why investors should actively manage their portfolios is a concept called the "Time Value of Money," also known as "Compounding Rate of Growth." Many financial professionals will use the example of how a penny, if doubled every day, is worth over $10 million after only 30 days. A very impressive and eye opening number given the small amount of initial capital outlay. What would happen if instead of doubling the penny every day, it were to grow by only 75%? The investment would be worth slightly over $195,000 rather than $10.7 million. Reducing the growth rate further to 50% and the end value is now $1,917.51. A 25% growth rate for 30 days produces a value of only $8.08. How does the concept of compounding growth translate into the selection of an investment strategy? Investors who actively manage their portfolios, either through trend following or momentum investing, have the ability to take modest gains and re-invest the profit in other trending securities over and over again. Buy and hold investors are not awarded this luxury since they rarely sell when the price is at the top. Rather, they buy a position when the price is low, ride the position all the way up in a bull market, and then watch as is loses value in a bear market. It's a very frustrating strategy, equally hard on the stomach as it is on the wallet. Both strategies, trend following and momentum investing, demand a certain level of self-discipline in order to be successful. A portfolio risk-management system that uses the current market price and equity level of a position and some form of market volatility measurement is recommended. An example of such a system could be a proprietary market model focused on technical indicators, back tested over time, coupled with a volatility indicator. The system might employ either the Average Directional Movement Index (ADX/R), the CBOE Volatility Index (VIX) or the more traditional Advance Decline Line, Breadth or Volume indicators. Taking Portfolio Risk Management Systems One Step Further One noted management system authored by William O'Neil is CANSLIM. The CANSLIM approach combines both fundamental and technical analysis much like the Core Equity Portfolio available at QMA Investment Management, LLC. The weakness in the CANSLIM approach, along with many other similar systems, is that they stop short of providing a truly utilitarian system for the investor. The user ends up with a list of stocks, all of whom have meet the systems criteria, but no method for distinguishing between the good, the better and the best. To address this problem, Alpha Advisor Service, LLC created the AAS Rating Score. This number is a time-weighted risk-adjusted alpha value used to rank each of the 1700 investments analyzed daily by AAS. The purpose of the AAS Rating Score is to create a level field to measure all investment alternatives. The highest AAS rated securities provide the greatest risk-adjusted return compared to the lowest rated securities. This approach is superior to other forms of alpha analysis since it is time-weighted, thereby identifying those stocks or funds that are providing greater returns for the risk taken. A tool of this caliber, which is available for any investor via the Alpha Advisor Service Newsletter, provides the means of not only developing a customized portfolio risk-management system, but also a disciplined method of buying and selling the securities within the portfolio.

         
    Money management guide

     

    When the prices of commodities are booming and expenditure is increasing in every manner, it becomes essential to make some planning for your income. • The best way to take care of your money is to plan a budget. A budget should keep a track of all your expenses. The indispensable expenses like education fee of the kids, the bills, the fuel, taxes etc. should be estimated and subtracted from the monthly salary. Then monitor the other likely expenses like gifts on friend’s birthday in that month, your anniversary, weekend outing and the like. The amount that is left after reducing the essentials should be planned in such a manner that you end up with little, at times even negligible savings. ‘A Penny saved is a Penny earned’. Savings are very crucial in today’s life. But many people do not understand the relevance of savings. An individual, who develops the habit of saving money, never falls short of it especially in exigency situations. If the outlay outweighs the income, situation is called a negative cash flow. In this case you ought to be extra vigilant while spending money. Try to reduce the weekend trips, partying at home or outside, purchasing needless items etc. If possible make a new budget where you have optimized the costs. It then becomes your duty to abide by this budget in order to avoid pitfalls. While if the case is other way round i. e. the cash inflow is more than its outflow, its time to cheer and of course make some savings for the future. • Next good thing you can do to manage your money is to make investments. Investments can be of different types. You can invest in a property or land, in banks, in stocks etc. The investments you make not only keep your money secure but also give you good returns. Like money that is kept in a fixed deposit in a bank is supplemented with interest amount, the cash invested in purchasing shares of an eminent and successful company, always give a great output etc. If you are investing in some trust or insurance policies, your wealth will not just be beneficial for you till the time you live; it will also be a financial security for your children and grandchildren in future. So investments generally are rewarding, they do not go futile. But before making any investment, you must enquire about the pros and cons of it. For instance, high risk is involved in investing money in the stock market as the economy is fluctuating unbelievably. Here, you should acquire complete information that when to purchase the stocks and for which company that will never let you down etc. The case is not different with investing in property, but the risk factor is not so high here. The rates for property are never stagnant. So it is better to purchase the land when the market is down and sell it when the prices take a flight. In any case, first acquaint yourself with all the facts and basics, and then only invest. Remember your purpose is to make money from money not to lose with whatever you have. • Are you a credit card bug? If you are and your expenses do not meet the income, forget the credit cards. The credit card money is charged with high rate of interest. Though it is the easiest form of money, yet it can be very troubling later. People keep on withdrawing the money from the bank’s or company’s credit and the interest simultaneously keeps on accumulating. Finally, the credit card bill comes as a nightmare to many. So it is better to avoid using credit card wherever possible. Try to use it only in case of an urgent situation. • Keep an accountant if you yourself are not able to keep a track of all your transactions. Money Management is simple, if you become a little judicious.

         
    Monitoring your finances reveals priceless lessons

     

    A most important element for building wealth is to measure it. The people I know that have continually increased their net worth track it in order to direct it and stay motivated to reach ever higher financial goals. Seeing the quantifiable results of your spending and investing decisions is the first step to take control of them. Contrarily, the people I know in the worst financial shape have no idea where there money is spent and are too afraid to know what their net worth might be because it won’t be pretty. Which extreme more closely matches your attitude? As Dr. Deming says, “You can’t manage what you don’t measure.” Think of it: if you were seriously wealthy, you’d spend some time every week managing some aspect of money. Well, if you want to improve your financial condition, a beginner version of a money management and tracking method is required. In addition, the more money you build up, the more financial assets and obligations there are to monitor. If you don’t have your financial tracking in place before you acquire them, I’d bet that you won’t own them for long. If you don’t see and feel the gains and losses of your financial decisions – you are playing the complicated money-game of life without any scorecard. This is how so many people with decent paying jobs and insurance still get into financial trouble. You need to have navigation reference points to know if you are steering toward building wealth or destroying wealth. It is by monitoring your net worth that you’ll start to uncover the financial impact and consequences of your decisions. The starting point for financial measuring is a simple statement of net worth (or balance sheet). If you have never heard this term, it is a list of the current market price of everything that you own and what you owe to others. The difference between these two numbers is called your net worth, and this is the number that you want to measure and increase every single month. As with a business, once you start measuring the financial consequences of your behavior you can begin making your own personal spending rules. For example, if most of your monthly income is spent at restaurants, try making a rule that you only go out twice a week. If you’re spending too much money on gasoline you need to find several ways to reduce it. Simple insights and subsequent rules like these will help increase your net worth, which will lead to bigger insights and develop into bigger gains. If you find that you have a lot of debt that is decreasing your net worth, or possibly a negative net worth, then what rules about debt are you going to create for yourself? After you get some money saved, where are you going to put it? How much time are you willing to spend monitoring it? How much effort are you willing to exert to educate yourself about investing? These questions will aid in building your investing rules. Eventually you’ll have rules for spending, saving, employing debt, and investing that will shape your personal plan for you to start moving your net worth in a sharply positive direction. Think about adding a rule to read a new financial book each year. Your financial statements and financial rules can be as simple or sophisticated as you want to make them. If you keep making even baby steps forward, it may become no big deal to have specific rules for retirement planning, tax implications, entity structuring, evaluating investment real estate, checklists for buying mining companies, or selling a company you’ve built. When you have calculated your first statement of net worth, you start having the ability to plan for purchases and payments. As a simple example, if your auto insurance bill arrives once a year, you can calculate how much money that you need to set aside each month to easily pay it when it arrives. Or if you are getting a new car, you’ll be a lot happier planning for the initial costs before you get squeezed at the end of the month and end up paying a few bills late. After you get comfortable with a net worth statement, you can move on to an income & expense statement. Then move on to making projections for all of your statements. And creating scenarios such as: How much is a reasonable goal for retirement income for you? How much net worth will you need by when? How are you going to increase your income, increase your savings, increase your investment returns? The answers will be built upon the financial habits, tools and education that you’ll develop, but it can all start with your first net worth statement.

         
    Mysteries unraveled

     

    One of the great mysteries of personal finance is: How are social security retirement benefits calculated? The computation itself is something of a mystery. It's so complex that I'm not sure who could have dreamed it up. I am sure that most in Congress don't understand it. In this article we'll take an abbreviated look at what goes into the computation. We will be concentrating on the method of computing retirement benefits in place since 1979. Before then a different, but equally bizarre, method was used. The changes were instituted in 1979 to help keep benefits more or less inflation-proof. The computation begins by determining a worker's Average Indexed Monthly Earnings (AIME). The AIME is based on the worker's social security wages or earnings from self-employment after 1950, but only up to the social security maximum for each year. The worker's earnings are then "indexed" by adjusting them for the average national wage increases. The purpose of the indexing is to state the wages in terms of the level of wages in the second year prior to social security eligibility. Generally you are eligible for social security at age 62, so we index to the year in which you turn 60. Now that you have "adjusted" the earnings, you must next determine the average. Begin this process by determining the number of years after 1950 (or turning 21 if later) and before when you turn 62. Got that number? Great, now subtract five. (Why five? Beats me.) Social security calls this figure the "number of computation base years." Now, go back to your indexed annual earnings and select the highest earning years until you have enough to equal the "number of computation base years." For example, you began work at 22 and worked to 62. Your benefits will be computed based on the highest 35 (40 - 5) years of indexed earnings. Finally, total all the indexed years and divide by the number of months in those years. Congratulations, you have just computed the AIME. Have a drink.....or six. If you thought you're done, guess again. The amount of the social security benefit is equal to the Primary Insurance Amount (PIA). Fortunately, you don't have to do these computations yourself. The Social Security Administration is happy to do it for you. Just get a Form SSA-7004-PC from your local Social Security Office, fill it out and send it in. In a few weeks the good folks at Social Security will send you an estimate of your benefit. They will also send you a print out of your "earnings record." Your earnings record is the amount Social Security thinks you made each year. It pays to check this periodically, say every three years. Mistakes are possible and those mistakes can cost you in social security benefits later on.

         
    Net income over cash flow

     

    : Some Financial Analysts argue that using cash flow will provide a more accurate picture in determining the fair value of a common stock. What gives? They reason that investors should follow where the cash is. Cash flow will track the flow of cash in and out and this is the reason business exists; to get cash. Things are not that simple, however. Just as net income, cash flow can be easily manipulated. Cash flow here refers to cash flow from operations found on the statement of cash flow published regularly by publicly traded companies. Let's take a look at the statement of cash flow for one publicly traded company, Amazon (AMZN) and decipher its components. We will use the statement of cash flow for the year ending on 31 december 2004. Here is the source from Yahoo! Finance: finance. yahoo/q/cf? s=AMZN&annual The top part is net income, which is self-explanatory. This is what a company earns during a period of time. For the time period earns $ 588 M. To get into the cash flow figure, we need to add depreciation expense, subtract any increase in accounts receivable and inventory and add any increase in short term liability such as accounts payable. Sometimes, there will be some adjustments made to the net income which will increase or decrease cash flow depending on the charge. Now here is how companies can manipulate cash flow. This will in effect temporarily give an impression that cash flow has improved markedly. Temporarily Delaying Payment. This will increase Accounts Payable which in turn will improve cash flow. While only good companies can demand its suppliers to delay payments, all the debt eventually needs to be paid. Demanding faster payments from customers. While an efficient collection is needed for a firm's survival, giving less credit to customers will result in them balking away. In the short term, cash flow will improve due to improved collection. In the long run, customers will go to competitors who can offer better credit.

    Keeping a tight supply of inventory. While bloated inventory is wasteful, there is a certain level of inventory that is needed to keep a business running. Short-minded management will try to manipulate cash flow by keeping a short supply of inventory. When you run a retail business, certain inventory is needed. It is not similar to a built-to-order company like Dell Inc. (DELL). These three items vary from quarter to quarter and year to year.

    When determining fair value, it is best to ignore these fluctuations and focus on operational earnings generated by the company. Another misleading cue from cash flow is that it adds up depreciation as the amount of cash generated from operations. While depreciation expense is a non-cash transaction, it is a necessary cost of doing business.

    For example a company bought a computer and depreciate it for five years. For the next five years, the company incur a non-cash charge, which is the reason why we add depreciation expense to our cash flow. However, we need that computer for our operational purpose.

    Unless we stop spending in our capital expenditure, adding depreciation expense to our cash flow does not make sense. Sure, you enjoy the benefit now. But five years from now, you need to spend money on a new computer, which is a cash outflow. As with other investing tools, cash flow from operations cannot be used independently of other ratios. Each and every financial ratio has its strengths and weaknesses.

    I believe that cash flow does not reflect the true earning power of a company because of short-term fluctuations of the balance sheet and the addition of depreciation expense into a firm's cash flow.

         
    New mexico who are the serious players

     

    Several uranium development companies have set their sights on New Mexico. Two are actively involved in permitting their properties for production. One was the first to be issued a drilling permit in about a decade; another awaits a permit in order to drill the company’s property. Another is an 800-pound gorilla in the nuclear fuel cycle. Three others have properties or continue to assemble a land package in New Mexico. The following is a brief review of the projects of these uranium development or exploration companies, currently holding property or moving forward. The front runners include Uranium Resources, Strathmore Minerals and General Atomicspanies moving forward include Laramide Resources and Western Uraniumpanies to also watch include Energy Metals, Max Resource Corp and Powertech Uranium. Each has various plans to advance their projects and should be reviewed on their merits. Uranium Resources Inc. Uranium Resources is the top front runner in New Mexico. The company has devoted a great deal of time and money to permit its Church Rock property. In an interview with Craig Bartels, president of HRI (a wholly owned subsidiary of Uranium Resources), he told us, “We hope we can begin construction at the property in 2007.” The company has cleared numerous hurdles, posed by local environmentalists, having successfully won every legal battle to date. Its parent company produces about 1 million pounds annually in Texas. Earlier this year, Uranium Resources announced a proposed joint venture on the company’s Church Rock property with Japanese conglomerate, Itochu Corporation. Phillips Petroleum made the Church Rock uranium discovery in the 1950s, and later sold the project to United Nuclear (UNC). UNC constructed a mill and mine to the northeast. One HRI property, at Crownpoint, was developed by Mobil Oil as an In Situ Recovery (ISR) project. Earlier work at Crownpoint was done by Westinghouse and Conoco. Phillips developed HRI’s uranium property at Nose Rock; Kerr-McGee did the original uranium drilling at Roca Honda. Uranium Resources holds about 185,000 acres in the southern San Juan Basin of New Mexico. Through the uranium depression, Uranium Resources was the “lone man” in New Mexico. Now times have changed. “It is great having other companies coming in here now,” said Bartels. “There is so much uranium, and the national attitude has changed so dramatically over the last year, that there is an actual excitement as to what can be done now.” Bartels looks forward to the success of the company’s first uranium projects in New Mexico, on the western end of the Grants Uranium Belt. He explained, “Using a pretty typical recovery rate of 75 percent for ISR, recovery would be about 4.9 million pounds on Section 8, and 6.3 million pounds recovered at Sec 17.” Bartels told us he has been advertising for employees in the northwestern New Mexico newspapers. Strathmore Minerals Corp Strathmore Minerals Corp controls a number of advanced uranium properties in New Mexico. The company’s most advanced efforts have been proceeding with the permitting phase on its Church Rock property. To date, the National Instrument 43-101 resource calculations on two properties, the Church Rock and Roca Honda deposits, total nearly 50 million pounds in measured indicated, and inferred categories. Historical uranium calculations on other Strathmore properties in New Mexico, which are non-compliant by National Instrument 43-101 standards, indicate there may a similar amount in addition to what has been reported. Strathmore Minerals President and Chief Operating Officer David Miller told us via email, “It is Strathmore’s intent to become the premier uranium producer in New Mexico.” The company has approximately C$40 million in the bank to advance its projects. The company has followed the lead of Uranium Resources in the Church Rock area. Miller told us, “There are two ISR projects in various stages of permitting in the Church Rock area, which Strathmore started a year ago.” The company has issued news releases updating investors on its permitting progress in New Mexico. In February, the company announced it was on schedule and under budget in permitting its Church Rock uranium property. A mid-April update announced Strathmore was developing its mandatory corporate programs in the permitting process and was advancing toward the licensing phase of its In Situ Recovery process. Dependent upon when Uranium Resources receives its final approval to commence its nearby ISR project, Strathmore Minerals should quickly follow with its project. Please see final section of this article about the company’s Roca Honda project. General Atomics Meet the 800-pound gorilla. Not only is General Atomics in the front end of the nuclear cycle with a uranium mining subsidiary, it is a privately held company whose interests are widespread across the nuclear fuel cycle. GA is its acronym, and the one used in this industry. Founded in 1955 as a division of General Dynamics, GA has over 20 locations worldwide, manufacturing a variety of high technology products for commercial and government applications. For example, its aeronautical affiliate manufactures unmanned aircraft, surveillance and radar imaging systems. GA covers a good part of the nuclear fuel cycle. In Australia, through Heathgate Resources, the company owns and operates the Beverly ISL mine. Its ConverDyn affiliate converts U3O8 into UF6 (uranium hexafluoride), which is the step preceding uranium enrichment. Another affiliate, the Cotter Corporation, holds various uranium properties and a licensed mill near Canon City, Colorado. General Atomics also owns the largest uranium resource in the United States through its affiliate, Rio Grande Resources Corporation. The crown jewel of the company’s uranium holdings are found in the Mt. Taylor deposit. Before the project was placed on standby in 1989, more than 8 million pounds of U3O8 were produced. The deposit occurs at 3000 feet below the surface with ore grades ranging between 0.15 percent and 2 percent U3O8. During the mine’s production, grades average 0.5 percent. Mt. Taylor reportedly contains an in-place resource of more than 100 million pounds of U3O8. GA is reportedly evaluating the deposit for an ISR operation. Laramide Resources Laramide Resources has made a strong footprint in Australia, but it also moving forward with its New Mexico uranium property. The company’s La Jara Mesa deposit is located about 12 miles outside Grants, within the San Mateo Mountains, near Mt. Taylor. Homestake had previously operated a mill in the district. Work was first commenced in the La Jara Mesa area in the 1950s. Homestake drilled 86 holes between 1967 and 1971 and abandoned the property after only a few high grade intersections. After the property changed hands in the 1970s and 1980s, a discovery hole was drilled in 1980. Power Resources (now a Cameco Corp subsidiary) drilled more than 500 holes. Homestake again re-entered the project in 1983 and completed metallurgical tests on the drill core. Homestake also completed a mining plan and feasibility study on the Dena Rich deposit, but stopped all work after the uranium price crashed. In a conversation with Laramide Resources Chief Executive Marc Henderson, he told us, “The La Jara Mesa property may be the key piece of the puzzle,” referring to the Ambrosia Lake district. “It has the easiest production scenario and the easiest access,” Henderson said. The company’s website reports the project has a resource of approximately 7 million pounds of U308 (not compliant with National Instrument 43-101). The U. S. Forest Service is now awaiting public comments on the proposal by Laramide to drill ten test holes, about 600 feet deep, to confirm exploration findings from the 1980s.

         
    New mexico town prepares to embrace returning uranium miners

     

    Once the proud center of the Uranium Universe, and until recently the world’s largest uranium producer, the city of Grants (New Mexico) nearly collapsed in the 1980s as uranium prices sank into a twenty-year depression. Five thousand uranium miners lost their jobs, and the city elders panicked, searching for an industry with which to replace mining. “Uranium companies helped build our hospital, our school and most of our major infrastructure,” Star Gonzales, Cibola County’s Head of Economic Development, told StockInterview. “We are a mining community and know it is beneficial.” Grants is a sleepy town of less than 10,000, north of Interstate 40, off exit 85, and about an hour’s west of Albuquerque. This past November, we toured the town’s Mining Museum, which boasts of having the only underground uranium mining museum. Grants is now a “prison town,” and instead of mining uranium, the town runs most of the state’s prison system. The times are changing again, though. Along with the recent $45.50/pound spot uranium price, revival of uranium mining in Grants is all but a done deal. Several uranium companies have taken their first steps into Cibola County. As with the state of Wyoming, more will follow them. IS URANIUM MINING AGAIN WELCOME IN GRANTS? We wondered what the political pulse on uranium mining would be like in Grants. So we talked to several representatives on the city, county and state level. Fasten your seatbelts, and move over Wyoming. Grants, New Mexico is making a public invitation to all uranium mining companies. “We will greet them with open arms!” Star Gonzales shouted into her phone. “We are very mining friendly in this community.” That’s an understatement. Grants Mayor Joe Murrietta returned from Vietnam after being wounded on the Fourth of July 1968 with a Purple Heart and began working at Anaconda’s uranium mill in Grants, New Mexico. He worked for Anaconda and ARCO for fifteen years before the uranium boom in his town ended. “We can handle the mining industry, and we are looking forward to having it back,” Murrietta told us. The mayor is confident the entire community would welcome uranium miners back. Grants City Manager Bob Horacek worked in a uranium mill, as a college student twenty five years ago, and remembered it was a nice source of income to help him pay tuition. “We are obviously looking for jobs,” he told us. “It’s a pro, and economically we could use the higher paying jobs.” Asked about one company, which announced it may build a mill, possibly in Cibola County, Horacek quickly responded, “I’d like to visit with them.” State Senator Joseph A Fidel, a Democrat representing District 30, which includes Cibola and Socorro counties, perked up during our interview, when we talked about uranium in his county, “I would be happy to have mining come back. It would be very positive economically.” We talked about environmental activists. Senator Fidel explained, “If there are protests, they will come from outsiders, from Taos or other parts of the country.” Ms. Gonzales agreed, “There will be no protests from the local community. The mining spirit still lives today in this town.” These echoed State Senator Leavell’s remarks, in part two of this series, “Most of the protestors have come from San Francisco, DC and Santa Fe.” Fidel concluded, ‘The community will be very supportive of uranium mining. People will be cooperative and will react positively, when the time comes.” Each of the politicians interviewed were cautious, but optimistic. Grants, New Mexico was hard hit. As with the Governor of Wyoming, who basically told uranium companies to put up or shut up, New Mexican decision makers are waiting to hear directly from uranium companies. Are they serious? Fidel pointed out, “I believe it will materialize into something serious.” After all, the county may be sitting on hundreds of millions of pounds of unrecovered uranium. More than 340 million pounds, possibly a great deal more, of uranium was produced before mining came to a standstill during the twenty-year drought. “We have a lot of uranium,” said Senator Fidel. “The county has good potential.”

         
    New u. s. mint buffalo coins packaging a nightmare

     

    When the U. S. Mint announced it was adding a .9999 gold bullion coin to its line of gold coins, it looked like a "golden opportunity" for the Mint to capture a big chunk of 24-karat gold coin market. When legislation was passed mandating that the new coin bear James Earle Fraser's designs that graced the legendary Buffalo/Indian Head nickels from 1913 through 1938, the new coin's future looked even brighter. However, on release of the new Buffalo gold coin, the Mint's golden opportunity has turned into a nightmare at the retail level. While the coin itself is quite striking, having a matte finish and completely capturing the Fraser designs, the packaging makes the coins a nightmare. Although the bulk of the blame can be laid on Congress for attempting to "micro-manage" production and distribution of the coins, the Mint should accept its share of the blame for the choice of packaging, having not considered, the retail aspects of the packaging. Congress mandated that the coins be individually encapsulated to protect them from damage, apparently to avoid problems that have risen with 1-oz Canadian Maple Leafs. Further, Congress mandated that the Mint have the coins ready for distribution by the end of June. To meet the deadline, the Mint had to choose a method of packaging that was readily available and that would accommodate anticipated large volume sales. The Mint chose a semi-rigid Mylar packaging, five coins horizontally with four coins down, making twenty coins to a sheet. With wide spacing between the coins, a "sheet of Buffalos" measures twelve inches by sixteen inches. The packaging causes several problems. Because of the rigidity of the Mylar, a sheet cannot be folded into a tall bundle. Orders for less than twenty coins have to cut out of the sheets for the coins to be packed compactly, which is desired—and expected—for gold bullion coins. Undoubtedly, the semi-rigid packaging for the Buffalos was meant to provide durable protection. However, the Mylar is so rigid that an original sheet of twenty Buffaloes cannot be conveniently stored. A sheet of twenty can be rolled like a magazine and then rubber-banded, but then storage would take a lot of space. Whereas the smallest of safe deposit boxes will hold hundreds of 1-oz Gold Eagles because they come in compact tubes, perhaps only sixty or so Gold Buffalos would fill a small safe deposit box. Another problem that has surfaced: The coins readily come out of their protective sheets when handled. This means the coins then have to be transferred to a tube or to individual plastic sleeves, which are used so often for single coin purchases. Or, the Mylar can be mended with Scotch tape, hardly an attractive solution. Because of the problems that have arisen with the packaging, Buffalos will not appeal to many large bullion buyers but to collectors, who may want only a few coins. Investors who ordered Buffalos without knowledge of the packaging have been disappointed. With the present packaging, it is unlikely the Mint will capture much of the .9999 fine bullion coin market. While the Mint may point to early robust sales, new coins nearly always enjoy strong early sales. And, with the popular Buffalo/Indian Head design, undoubtedly Buffalos will remain favorites of collectors and people looking for gifts. However, the Buffalos were introduced to go after the .9999 fine gold bullion coin market, where investors make repeated orders. So, the test for the Buffalos will come in the months ahead when we learn if investors make second and third orders for Buffalos. It is the opinion of this 32-year veteran of the gold bullion coin market that if the U. S. Mint does not make changes in Buffalo packaging, sales will erode over time, and the Mint will miss a golden opportunity to capture a big piece of the pure gold coin market, which is now dominated by the Royal Canadian Mint's Gold Maple Leafs. The solution to the problem is for the Mint to change the packaging as soon as possible, taking into consideration how large investors are likely to store the coins—in safe deposit boxes. For investors who do not store in safe deposit boxes, compactness becomes even more important, as the coins must be easy to conceal. The Mint seems to have completely ignored this aspect of the market. Additionally, the Mint needs to keep in mind that the coins have to be handled by bullion coin dealers who ship the coins to the final investors. The present packaging causes twenty-coin or larger orders to be shipped in large boxes, adding to shipping costs. The large boxes may also require more trips to the Post Office. It also increases the cost of handling for orders less than twenty coins, as they have to be cut out of the sheets. Since Congress mandated that the coins be individually encapsulated, the Mint should go with hard plastic capsules such as those used by The Perth Mint. Then the capsulated coins should be put ten to a tube, providing compactness for ease of storage. That would also facilitate handling by coin dealers. To correct the problem—and really go after the .9999 bullion coin market—the Mint should encapsulate the coins individually and put them in tubes of ten. Then ten tubes should be put in small, sealed, and durable boxes. And, finally, five small boxes of 100 coins should be put in a larger box of 500, which is how the Mint ships its best-selling Gold Eagles. Boxes of 500 are popular with large investors, and the boxes of 100 would be attractive to medium-size investors. Packaging the new Buffalos this way would facilitate storage and handling both for investors and for retail dealers. The Mint needs to think retail with its packaging, to take into consideration how investors store, and to think about the bullion dealers who handle the new Gold Buffalos in delivering them to pure bullion coin investors.

         
    Now may be the time to dive into dividends

     

    Soaring technology stocks led the longest bull market in history during the 1990s, driving investors to shun stocks of dividend-paying firms. The steady stock performance of more conservative firms just seemed pale in comparison. But now, rising interest rates and slowing corporate earnings are causing investors to again turn to the tried-and-true: high-quality firms with strong cash flows, solid earnings and a healthy dividend stream. Companies that can commit to paying a regular dividend are ones that generally are fundamentally strong and optimistic about their future. A company's dividend history is a good indication of its willingness to share profits and demonstrate accountability to investors. In periods of market uncertainty, these qualities become especially appealing to investors. Stocks of companies that pay dividends generally have less price fluctuation than stocks of non-dividend payers. The dividend can create a cushion and smooth out a stock's price volatility. It's important to remember, however, that although dividend-paying stocks can add diversification to your portfolio and help minimize volatility, they still involve risk. The 2003 Tax Act added allure to dividend-paying stocks. It lowered the tax rate for individuals on qualified dividends from as much as 38.6 percent to just 15 percent, depending on your income tax bracket. This appreciation for dividends has spawned a renewed interest in mutual funds that pay dividends like the American Century Equity Income Fund (TWEIX), which has been investing in dividend-paying stocks for more than a decade. The companies in the fund typically are well-established and fundamentally strong, have steady earnings, a solid balance sheet and a history of paying dividends. The size of dividends also is on the rise. Three quarters of the companies in the S&P 500 Index pay dividends, and more than half of them increased their payouts during 2004. That's proof of a lot of strong balance sheets. A business has to have the earnings to pay a dividend and a strong balance sheet to increase one. Investors' preference for dividend-paying stocks is likely to continue, and so will the ability of many companies to continue paying dividends. Several years of economic uncertainty have driven companies to cut costs, reduce debt and rein in their capital spending. That means many of them now have a lot of cash on their balance sheets. This combination of lower debt and larger cash pools gives them the ability to increase dividends. Even with the current emphasis returning more cash to shareholders, the current dividend payout ratio is still below the historical average.

         
    Ocra opens its first office in south america

     

    OCRA Worldwide has opened an office in Sao Paulo, Brazil. The full name and address of this office is: OCRA Brasil Consultoria e Analise de Investimentos, Ltda Av, das Nacoes Unidas, 12.551, 19 andar Cj 1903, Sao Paulo CEP 04578-903 SP Brazil Phone - 00 55 11 3043 7370 Fax - 00 55 11 3043 7371 E-mail - [email protected] br Contact - Mr. Jorge dos Santos Marques Paulino. Jorge is a graduate of Sao Paolo University and INSEAD. He has many years of experience as a manager/director in the marketing and commercial departments of major businesses in Brazil. His detailed knowledge of Brazilian commercial and administrative procedures and practices will be extremely useful to clients seeking to invest in Brazil. This office will provide services in the following two principal forms: 1. Services for foreign investors who wish to invest in Brazil. 2. Services for Brazilians investors/entrepreneurs who wish to invest overseas or to trade internationally. 1. Investing in Brazil is a complex process, especially for those from common law jurisdictions. Accordingly we can guide our clients through the maze of local regulation and legislation. In particular the services that we can provide are: - Everything connected with the establishment of a company in Brazil, including legal administrative and fiscal obligations, - Provision of assistance to set up an office (find a location, contracts, etc. - Intermediation with banks, and with commercial, industrial and professional associations. - Assistance in all matters in relation to immigration rules. - Acting as Fiscal representative - Accounting services - Provision of virtual office services 2. When advising Brazilian clients on overseas investments and trade, OCRA Brasil will utilise the knowledge and experience within the OCRA Worldwide organisation and will supply to the Brazilian investor all the services that can be obtained from other offices of OCRA Worldwide with the added benefit of integration with the client’s Brazilian organisation.

         
    Of investors and investing

     

    So…Who’s got the Trillion? Any time you mention casually a Trillion dollars, people tend to listen. Especially, in the investments world. But, even in the world of investments, people just don’t talk in terms of well… a trillion dollars. And, they never talk about it concerning any single individual. Well…not “never”. Forgive the bad grammar, but it isn’t every day I get to talk about a man who has the attention of over 100 investment firms…and their assets. Think about the last time you heard a trillion dollars mentioned in the press. It was associated with what? The U. S Government Budget? The size of the U. S. economy? Size of the U. S. Debt? There are whole countries that don’t have a budget of a trillion dollars. Most countries, in fact. The point is, if you mention a single man’s name and associate that name with one Trillion dollars…you will get the attention of people around you. And not just investors. But, for George Muzea, attracting attention is a minor issue. Getting results in the investments world has been the issue – successfully – for over 30 years. Remember the statement, “Words are words…promises are promises…but, performance is reality”? Performance is reality for George Muzea who is the advisor to some of the biggest investment firms - and their investors - in the world. All 100 firms or so of them…with assets totaling over a trillion – there’s’ that word again – dollars. You know, any percentage of a trillion would keep me up at night. There, any advice which could impact even pennies in any market move will create profits or losses of … billions! That’s the world of George Muzea. If you are going to create that kind of pressure for yourself, you better have a system that really works. Pennies in investment market movement will get you billions of dollars of investors’ complaints … or… more business from investors. As George likes to say, “There’s no room for loyalty in the investments world.” Follow me closely again. “If you want to create pressure like that for yourself, you must have a successful system.” You see, trillions of dollars in assets doesn’t just come to any ‘ole investment counselor. Investors don’t trust counsel unless it’s already “proven.” With tens of thousands of investors and investor’s services, as well as billions of dollars of investments and investment services “out there”, how do you gain that kind of trust to begin with? Watch this. Enron…18 months prior… Long before the Enron scandal broke in the press, another individual had already let his clients know they should get out of Enron. Of course, some shorted the market and made a lot of cash. All the others got out with their accounts intact because George Muzea knew something was seriously wrong inside Enron. How did he know that? Well, the Insiders “told” him. No. No one actually said a thing to him. They didn’t have to say anything. And he didn’t know a one of them. One of whom? The Insiders, that’s “whom”. In everything in life, there are Insiders. Some are good. Some are bad. Some do things legally. Some illegally. • In the world of sports, owners, commissioners, directors, CEOs, and coaches are all Insiders in the sports world (not talking stocks here). • Inside a football huddle, the “Insiders” are the guys in the huddle…and any coaches involved in calling the play. • If you own a business, you and your partner(s) along with any major officers who run the business, are the Insiders. • In your home, you and your spouse are the “Insiders.” • In a legal battle, the clients and the attorneys are the “Insiders.” • In any scientific discovery, the Insiders are the scientists, company officials patronizing the research and a select team of researchers. In the investments world, the SEC forces all company Insiders to report their stock trades – buying and selling – within 48 hours of the event. In that world of investors, the company CEO, Directors, CFOs, and a few other officers are defined as Insiders for that company. (Also, those “outsiders” who own 10% or more of the stock of company are deemed “Insiders” also.) So…back to George Muzea and the Enron debacle. George Muzea just knew what the Insiders were doing in the investment world, buying or selling their company stocks…particularly selling at Enron …while everyone else was being encouraged to buy Enron. He saw that they were selling, when normally Insiders as investors would be buying. If Insiders diverge from their normal patterns of investor behavior…George knows it. Most of us were running with the crowd…and losing our shirts 18 months later when the story broke. If Insiders diverge from their normal patterns of investor behavior…like George Muzea, we can learn how to watch their moves too…and profit from it. George knew 18 months ahead…let that sink in…18 months ahead, there was already a problem within Enron. Long before the Enron scandal made the earliest editions of any newspaper, George Muzea knew what the Insiders were “telling” him by their actions. Remember, they didn’t have to say anything to him at all. They were acting. He was reading what they were doing and advising his clients accordingly. What if you could understand the Insiders like George Muzea does? Think about it. You would NOT have to worry about the companies in which you were invested. Correction, yes, you would have to worry about ALL of your investments…all investors know that. But - and this is crucial - unlike most investors, you would have the skills to watch all of your investments and act long before there were any problems reported in the news… like Enron. As either a short or long term investor, you could watch your investments and tell your broker when to move a stock… Investors who stayed with Enron are now involved in expensive litigation concerning those investments… investments which were made honestly with trust up front. Everyone can feel their pain. Their investments were torpedoed long before they, as honest investors, knew the real facts. Insiders are the key to ALL investments and investors strategies…or should be. Why? Only the Insiders know what’s really happening inside their companies. The Enron Insiders knew what was hidden from the stock world of fundamentals and technicals. There are always things happening, good and bad, that can’t be reflected in a timely manner, on a balance sheet or income statement. There are always things happening, good and bad, that can’t be reflected in a timely manner, in the technical analysis. Had that been the case, investors relying on the technicals would have been out of Enron…or shorting their investments in it. George Muzea knows that. The Insiders know it. A select group of investors – known generally as the “smart money” – they know it. And many of them turn to George Muzea for that information. I, for one, am glad to see that George is finally offering a course on how investors can use the Insiders of publicly traded companies as an indicator for their investments, be they swing traders, options traders, long term investors, day traders… Direction is what the stock market is all about. George Muzea has found the key to market direction… I told you a trillion dollars would get your attention.

         
    Offshore banking new strategies for a new century

     

    The primary objective of any type of offshore banking strategy is to provide the investor with asset protection and financial privacy. Over the years, offshore banking has had many names and has been referred to as an "underground economy" privy only to unsavory types seeking to exploit loop holes in worldwide banking systems. In reality, offshore investing is your first step to securing your financial well being. No longer reserved for the super rich, you can establish overseas accounts with as little as $1000 dollars U. S. With this availability of offshore banking to almost anyone, there are as many reasons one would participate in this type of asset allocation. One of the major opportunities that have presented itself in the early part of the century is foreign real estate ownership as an offshore banking strategy. With the flow of cheap dollars and an overheated real estate market in the United States, many have sought the relatively easy on the pocket prices and stable political climates of countries such as Spain, Poland, and Hungary. Another offshore banking strategy that has always been popular is tax minimization. Can you think of anyone who thinks they pay too little taxes? As one might imagine, this is the primary reason investors seek offshore opportunities but come to find some real value in looking abroad. While offshore banking still remains a confusing term for many as it is usually associated with rich people hiding their money in foreign countries, offshore banking is legal and is perhaps the most effective way to protect one’s assets. Offshore banking is an increasingly attractive alternative to the sometimes heavily regulated financial markets of one’s home country and has become reality for many ordinary people. Due to its growing popularity, offshore banking is one of the most rapidly growing industries and can be obtained in the Caribbean, Latin America, Asia-Pacific Region and Europe. Global Access - Offshore banking is structured to provide global access and transference of funds to any location you choose but take some time a do your due diligence as the wrong decision can be costly. You can learn more about offshore accounts by visiting offshorebankingreview, and request a copy of the 10 things you should know before you open an offshore account.

         
     
         
    Essay Service
  • Essay Home Family
  • Essay Home Improvement
  • Essay Home Security
  • Essay Horse racing
  • Essay Hosting
  • Essay Humanities
  • Essay Humor
  • Essay Hunting
  • Essay Hybrid car
  • Essay Hypoallergenic dogs
  • Essay Improve personal life
  • Essay Innovation
  • Essay Inspirational
  • Essay Insurance
  • Essay Interior Design
  • Essay International Airports
  • Essay Internet security
  • Essay Internet Marketing
  • Essay Internet Business
  • Essays Internet Marketing
  • Essay Investing
  • Essay Investment Basics
  • Essay Ipod Video
  • Essay Ireland golf vacation
  • Essay Jewelry
  • Essay Jewelry Wholesale
  • Essay Job Search
  • Essay Junior golf
  • Essay K 12 Education
  • Essay Kitchen
  • Essay Kitchen Remodeling
  • Essays Kitchen Remodeling
  • Essay Koi
  • Essay La Jolla California
  • Essay Landscaping
  • Essay Language
  • Essay Las Vegas
  • Essay Law
  • Essay Leadership
  • Essay Leasing
  • Essay Legal
  • Essay Leukemia
  • Essay Loans
  • Essay Low cholesterol
  • Essay Making Money With Articles
  • Essay Male menopause
  • Essay Management
  • Essay Marketing
  • Essay Marketing PLR
  • Essay Marketing Your Business On The Internet
  • Essay Marriage
  • Essay Martial Arts
  • Essays Martial Arts
  • Essay Writing Martial Arts
  • Essay Medicine
  • Essay Meditation
  • Essay Membership Sites
  • Essay Men s Issues
  • Essay Mesothelioma
  • Essay Mexico Vacations
  • Essay Microbrews
  • Essay Mini Blinds or Wood Shutters
  • Essay MLM
  • Essay Mobile A V
  • Essay Mobility scooters
  • Essay Monograms
  • Essay Mortgage
  • Essay Motivation
  • Essay Motor Homes
  • Essay Motorcycles
  • Essay Motorcycles and Scooters
  • Essay Mountain Biking
  • Essay Movies
  • Essay Movie Reviews
  • Essay Moving
  • Essay Moving overseas
  • Essay Movinghouse
  • Essay Multiple Sclerosis
  • Essay Muscle Building
  • Essay Music
  • Essay Music Reviews
  • Essay Mutual Funds
  • Essay Myspace
  • Essay Networking
  • Essay Networks
  • Essay New Air Travel Rules
  • Essay New Years Eve Party Planning
  • Essay New York
  • Essays New York
  • Essay NewAirTravelRules
  • Essay Newport Beach
  • Essay New Years Eve Party Planning
  • Essay Niche Marketing
  • Essay Nursing Assistant
  • Essay Nutrition
  • Essay Office Chairs
  • Essay Online Dating General
  • Essay Online Dating Man
  • Essay Online Dating Woman
  • Essay Online Shopping
  • Essay Opt In List
  • Essays Opt In List
  • Essay Organizing
  • Essay Outdoors
  • Essay Outsourcing
  • Essay Outsourcing Ebooks and Software Jobs
  • Essay Ovarian Cancer
  • Essay Paint Ball
  • Essay Parenting
  • Essay Parentingskills
  • Essay Paris
  • Essay Personal Loans
  • Essay Personal Finance
  • Essay Pet health care
  • Essay Pets
  • Essay PH Miracle Diet
  • Essay Philosophy
  • Essay Photography
  • Essay Playstation3
  • Essay PLC AffiliateMarketing
  • Essay Podcasting
  • Essay Podcasts
  • Essay Poetry
  • Essay Politics
  • Essay Politics Commentary
  • Essay Politics Current Events
  • Essay Politics History
  • Essay Pool Accessories
  • Essay Porsche
  • Essay Power Tools
  • Essay PPC
  • Essay PPC Advertising
  • Essay Pre Paid Legal
  • Essay Pregnancy
  • Essay Private Jet Charters
  • Essay Private Label Resell Rights
  • Essay Private Yacht Charters
  • Essay Private investigation
  • Essays Private Label Resell Rights
  • Essay Product Reviews
  • Essay Prostate Cancer
  • Essay Psychology
  • Essay Public Relations
  • Essay Public Speaking
  • Essay Rawfood
  • Essay RC Hobbies
  • Essay Rc car
  • Essay Re Financing
  • Essay Real Estate
  • Essay Real Estatearticles
  • Essay Real Estate
  • Essay Recipes
  • Essay Recreation Sports
  • Essay Reference
  • Essay Reference Education
  • Essay Relationships
  • Essay Religion
  • Essay Remote control helicopters
  • Essay Renting A House Or Apartment
  • Essay Retirement Planning
  • Essay RSS
  • Essay Running
  • Essay RVs
  • Essay Sales
  • Essay San Diego
  • Essay San Fransisco
  • Essay Satellite Radio
  • Essay Science
  • Essay Scotch
  • Essay Seattle
  • Essay Security
  • Essay Self Improvement Articles
  • Essay Self Help
  • Essay Self Improvement
  • Essays Self Improvement
  • Essay Sell Your House
  • Essay SEO
  • Essay Sexuality
  • Essay Shoes
  • Essay Show Business
  • Essay Site Promotion
  • Essay Ski vacations
  • Essay Skiing Locations
  • Essay Skincare
  • Essay Skin Cancer
  • Essay Sk Vacations
  • Essay Sleepingbaby
  • Essay Small Business
  • Essay Snoring
  • Essay Snoring remedy
  • Essay Snowboarding
  • Essay Snowmobiling
  • Essay Social Networking
  • Essay Society
  • Essay Sociology
  • Essay Software
  • Essay Spam
  • Essay Spirituality
  • Essay Sports
  • Essay Sports Car
  • Essay Sports coaching articles
  • Essay St. Thomas Vacations
  • Essay Stock Market
  • Essay Stress Management
  • Essays St Thomas Vacations
  • Essay Success
  • Essay Summer Vacations
  • Essay Supercross Racing
  • Essay Supplements
  • Essay Surround Sound
  • Essay Swimming Pools
  • Essay Tattoos
  • Essay Tax attorney
  • Essay Taxes
  • Essay Tech gadgets
  • Essay Teeth whitening
  • Essay Tennis
  • Essay Terrier dogs
  • Essay Thanksgiving Party Articles
  • Essay Theater Arts
  • Essay Time Share Investments
  • Essay Time Management
  • Essay Toothache and Tooth Care
  • Essay Top Golfing Accessories
  • Essay Tracking Software
  • Essay Trafficand SEO
  • Essay Traffic Generation
  • Essay Travel Tips To European Countries
  • Essay Travel Leisure
  • Essay Travel Tips
  • Essay Trucks SUVS
  • Essay Universal Studio Tours
  • Essay Vacations
  • Essay Vacuum Cleaners
  • Essay Valentines Day
  • Essay Vehicles
  • Essay Video Sites
  • Essay Video streaming
  • Essay VideoSites
  • Essay Vitamins
  • Essay Vitamins and Supplements
  • Essay WAHM
  • Essay Wart Removal
  • Essay Wealth Building
  • Essay Weather
  • Essay Web Design
  • Essay Web Traffic
  • Essay Web Design
  • Essay Web Development
  • Essay Web Hosting
  • Essay Wedding Favors
  • Essay Wedding Games Activities
  • Essay Weddings
  • Essay Weight Loss
  • Essays Weight Loss
  • Essay Wine
  • Essay Wine And Spirits
  • Essay Women s Issues
  • Essay Writing
  • Essay Writing Speaking
  • Essay YEAR OF CONTENT
  • Essay Yoga
  • Essay YouTube
  •  
    Free Essay
    groom jewelry | groom | laptops | free essay archive | live video streaming | different between Adwareand spyware | garment accessories | gament accessories | accessories | Arts | domoniterisation paragraph | MONICA ASHLEY | apina hrbek | easy essay on the topic of Demonitisation | anything | essay on importance of demonitisation | write a paragraph on demonitisation | paragrapha on demonitisation | Demonitisation eassy word easy | a short paragraph on demonitisation | paragraph of demonitisation | argumentative essay on demonitisation | short paragraph on demonitisation | demonitisation eassy | demonetisation drive eassy point to point | fullopin tube kise kahte h | Essay on demonitisation for college student | eassy on demonitisation | short eassy on demonitisation | college essay about "demonitisation"
     

     

     

     

     

     

     

     
     
     
      Free Essay Archive BloguinHos