Wise Observer

Trend following also called momentum trading is the simplest and safest method of stock market investing. It puts you in stocks and mutual funds that are going up and gets you out when they start down. Properly done there is no guess work.

How many times have you bought a stock or fund because of deep analysis? You have gone to Morningstar and bought their extensive reports - many of which are months old, but you don’t know that. Maybe your broker sent you a bushel of pretty reports about how wonderful is this particular company. Unfortunately each time you bought it the stock or fund either did not go up or went down.

Once you are touted about some equity you can be sure you are not the first and you might be the last one who bought at the top of the move. What can you do to avoid this kind of Wall Street trap?

Where can you find a stock or fund that will actually go up after you buy it? One thing I will say is not to try to pick individual stocks. Leave that to the pros. The best place for your money is in a no load mutual fund (that’s no commission) or an ETF, Exchange Traded Fund (a type of mutual fund that trades like a stock). A fund has a professional money manager who should be capable of buying good stocks. He spends his whole life doing this where you have another occupation.

There are many places on the Internet that rank mutual funds by performance such as Yahoo.com, stockcharts.com, barcharts.com and many others. Performance means it is going up more and faster than all other mutual funds. You can also find a listing of funds in Investor’s Business Daily or you could subscribe to a service that does all this for you such as NoLoad FundX. Forget Morningstar and their star ratings which are meaningless.

To determine whether to buy or sell you can use a very simple 200-day moving average and you don’t have to do the computation. Go to www.bigcharts.com and click on their Interactive charts. In the left column you will find a place to type in 200 and then that line will appear with the fund symbol you entered. When the fund is above the line you want to own it. When it is goes below the line you will want to sell it. Yes, it is that simple.

There is no Holy Grail trading method, but trend following comes about as close to it as the average person will find. A trend follower understands there will be occasional losses, but he also knows that when any major trend starts he will be participating for at least 60% to 70% of the profit of the move. He knows when to buy and more importantly when to sell.

Al Thomas’ best selling book, “If It Doesn’t Go
Up, Don’t Buy It!” has helped thousands of
people make money and keep their profits with his
simple 2-step method. Read the first chapter and
receive his market letter at http://www.mutualfundmagic.com
and discover why he’s the man that Wall Street
does not want you to know. Copyright 2005

So maybe you do not understand betting saloon odds, you’re invited to learn more about it here —

virtual gambling

By general definition a betting saloon is a structure that caters to games of luck. Here, aficionados will have fun by having a bash at coin-operated machines or some other betting pastimes. Gambling house games on the whole have logically derived odds built in that safeguard the company keeps possession of an above the players. A lot of gaming establishment games can result in you becoming addicted rapidly. A case in point: the quintessential 1-armed-bandit, a cash operated contraption with three, occasionally more drums that spin if a bar coupled to it is manipulated. This machine regularly will compensate punters corresponding with a distribution of images seen on the screen of the appliance. Regrettably, betting saloon games tend to convey the apparition of supremacy, deluding the betting devotee - the addressee is presented with choices, but actually they can never level the gamer’s negative odds. This is caused by the the betting room never paying up the full stake as expected. This scheme is often found in popular casino games such as Texas hold’em, dice games, roulette or blackjack.

Poker is undoubtedly an immensely fashionable casino pastime. The customers, playing with fully covered cards, must place bets in a central pot which is paid out to the prevailing gamer blessed with the leading combination of cards. (Obviously, the bluffing hand may well prevail too.) Just like five card stud poker, blackjack too is an incredibly trendy casino game. Plenty of its fame is a result of the mix of chance and mastery and choice making, not to forget a process labeled “card counting”. The aforementioned is a skill in which gamers are in a position to dramatically turn the chances of the game in their favor both by wagering & procedural decisions in agreement with the hands dealt. “Craps” is a incredibly popular gambling hall wagering game based on the roll of 2 dice. Bettors wager on the result of one spin, or on a string of rolls on 2 dice. Dissimilar to blackjack, there is no conceivable bona fide winning system people could employ to improve the odds. Roulette is another prominent casino game of luck: a croupier twirls a roulette wheel that accommodates precisely thirtyseven (classical roulette) or thirty-eight (Vegas roulette) distinctively tagged divisions in which the tossed pellet will then settle, which signifies the final winning number and the odds. Whenever a gamester happens to bet money on any given number and wins, in other words they are indeed successful, the repayment is 35 to 1, the initial wager is given back. Thus in totality it’s multiplied by a factor of thirty-six.

You should always be very much guarded notwithstanding because each of these betting saloon games may well be awfully dependency forming. Plenty of lives have indisputably been damaged through inordinate gambling and while it definitely can be enjoyable, do please aspire to balance your gaming.

Carbohydrate-rich diets are necessary for high intensity workouts. They provide you with lasting energy throughout the day and supply important vitamins and minerals. Foods rich in carbohydrates include potatoes, corn, fruits, beans, rice, cereals, peas, beans, breads and pastas. The primary function of carbohydrates in the body is the provision of energy.

Protein is composed of carbon, hydrogen, oxygen and nitrogen. Protein atoms are arranged into amino acids. These amino acids are used as building blocks throughout your body. Protein-rich foods should be eaten at each and every meal. They include lean meats, skim milk, cheese, lentils, beans, fish, nuts, poultry, yogurt, and tofu. Consuming an additional protein supplement, such as nutritional shakes, in between, can assist in providing all the protein your body needs.

Today, however, the amount of protein many people ingest borders on self-abuse. Consuming a protein exclusive diets in order to lose weight can be harmful and damaging to your health. Although protein plays a significant role in your long term health, consuming a diet that consists almost entirely of protein is a lazy solution. It is adopted by those who simply refuse to exercise.

Natural bodybuilding is the intelligent and healthy way to lose excess fat. It strengthens your bones, tendons and immune system, transforming your body into a much more efficient fat burning machine. Protein, on its own, will not provide you with any of these benefits. It is critical that you consume enough protein and balance this intake with sufficient carbohydrates. The combination of these food types is the fastest way to build muscle.

How to Collect Rare Coins
For Fun and Profit

Time has proven that collectors tend to make the most money in rare coins because they search out “undervalued coins” and buy during market lulls. Buying in today’s market climate offers you superb upside profit potential.

PUT IN PERSPECTIVE - Rare coins have an extremely limited, fixed supply which has historically increased in value when demand overwhelms availability. This fact is documented in the enclosed “Dow-to-Gold Report.” It clearly shows how rare coins go up as well as down in price with varying market cycles. We believe the most successful Rare Coin portfolios were built in down markets by systematically assembling a variety of choice, rare, and desirable coins, with a three to five year, or longer, holding period in mind.

HAVE A PRECISE FOCUS - Thousands of coins have been issued over the past 200 years. Very few collectors are experts on more than a few types of coins. For that reason alone, it’s important to build a relationship with a firm that employs a team of knowledgeable Rare Coin Specialists and Numismatic Experts that are recognized as pillars of authority throughout the industry. Together, we can help you define your areas of interest, your investment goals, and our team of specialists can then guide you to a specific area of U.S. Coins designed to be both profitable and extremely enjoyable.

THE FOUR FACTORS FOR SUCCESS - To profitably build a balanced and diversified Hard Asset Portfolio, you need to know the driving forces behind the U.S. Rare Coin Market:

* STRONG DEMAND - We recommend U.S. Rare Coins that have a broad base of both active investors and collectors. The more wealthy, sophisticated, and avid the base of buyers in an area, the more successful your portfolio should be in the long run.

* SMALL SUPPLY - We recommend U.S. Rare Coins of the highest quality for the date that you can afford. These are always the hardest to find, most desirable collector coins and have historically been top market performers. In our opinion, these coins are always in demand by collectors and will be the easiest coins to liquidate later, and turn the best profits.

* STRONG PERFORMANCE HISTORY - Take the time to review the price history of any rare coin you purchase. Rare coins that have a good history of 200% to 300% price increases during recent bull markets, usually offer your an excellent profit potential in the next hot market. While past performance is no guarantee of future value, undesirable coins are losers in any market. It is of utmost importantance to remember that each rare coin must stand on the value of its own individual merit related to grade, price, eye appeal, and rarity.

* GENUINELY RARE - Finally, we recommend you acquire a selection of Genuinely Rare United States coins. There are fundamentally two ways to determine a coin’s rarity. That is “Condition Rarity” and “Absolute Rarity.” Condition Rarity is a coin that is rare in higher grades. Some coins are common in worn, circulated grades, yet there could be only five coins known to exist in higher mint-state grades of MS-63 to MS-65. Absolute Rarity is a coin that is rare in any grade. These are truly desirable gold coins that are hard to locate and acquire in all grades. These few coins that are Absolutely Rare in any grade are the “Blue Chip Recommendations” of the U.S. Rare Coin Market.

Steve is the ceo of cashgcards-goldlynks rare/gold coin club he was the best isp in 1997 check out his about us page at http://goldlynks.tripod.com
this article is free for distribution
you can sign up for a free email course on buying and selling rare/gold coins for profit by sending email to goldcoinsinfo@yahoo.com
membership of the coins club is free to join at http://goldlynks.tripod.com

No matter how much money you make, it pays to keep on top of money coming in and going out. Even if you do a good job of that, there are important times in your life when talking with a professional adviser makes sense.

Almost every major life event - finding or losing a job, getting married or divorced, having a baby, buying a home — is likely to have a major impact on your finances. A new job may mean you are making more money — no problem there as long as you know the best way to invest it. Getting married may mean you have a second income to count on, but now you have someone counting on yours as well. Buying a house means you have to come up with a hefty sum of cash for a down payment, get used to monthly mortgage payments and meet the expense of house repairs.

Let’s look at what happens if a baby comes into your financial picture. First, medical bills need to be paid, so having good medical insurance is important. Few insurance plans cover everything, so you’ll need to have a cash reserve to cover deductibles and extras, not to mention the furniture, clothing and sundries you’ll need when the newborn comes home.

With a new addition to the family, you’ll want to make sure that the entire family (baby, too) is protected if something should happened to you — that means reviewing life and disability insurance to be sure it’s adequate for your new responsibilities.

There’s the future to start thinking about, too. Will your child go to college? If so, the College Board estimates that secondary education costs are rising 7% to 8% annually, a rate much higher than the rate of inflation. To afford the average $7,000 total costs for a state university, you need to start saving $195 a month. Wait until your child is 7 years old and the monthly amount jumps to $240! So, it’s smart to put away a little sum each month.

What can you do to accommodate new strains on your paycheck? How can you meet all of your new responsibilities? With an important financial goal (such as educating a child) you’ll want to work with a generalist — a financial planner. A lot of professionals specialize in areas such as taxes or stocks, but a financial planner helps you understand the “big picture.” A qualified financial planner can help you sort through your current financial situation, help you set short- and long-term goals and objectives, then present a “blueprint” designed to show you how you can meet your goals while staying within your means.

There’s nothing more certain than change. And just as you learn to adapt to the changes life throws your way, you can count on things changing with your finances as well.

About The Author

Trevor J. Wisniewski, MS
Financial Advisor
Raymond James & Associates, Inc.

Bachelors Degree in Finance, Masters Degree in International Security Markets, Investments and Banking. Teach adult enrichment education for local community. Teach seminars for doctors, business owners and individuals. Clientele is Doctors, professionals, businesses and business owners.

Trevor.W@RaymondJames.com

Why trade forex? Why spend the time and effort to understand a large and complex market like the Foreign Exchange? Well, mainly for the chance to make large profits, while incurring low costs. The mini forex trading market is a very lucrative market, for a variety of reasons. I`ll go over a few of them in this article.

First, think margin. In the mini forex trading market, a trader`s money can play with 5-times as much value of product as a futures trader`s, or 50 times more than a stock trader`s.

Just like futures and stock speculation, a mini forex trading market trader has the ability to control a large amount of currency by putting up a small amount of margin. However, the margin requirements that are needed for trading futures are usually around 5% of the full value of the holding, or 50% of the total value if you are trading stocks. The margin requirements for the mini forex trading market are about 1%. For example, the margin required to trade foreign exchange is $1000 for every $100,000.

This can be a very profitable way to trade, but it`s important that you fully understand the risks that are involved. Always make sure that you know how your margin account is going to work. Read the margin agreement between you and your clearing firm carefully. Talk to your account representative if you have any questions.

The positions that you have in your account could be partially or completely liquidated if the available margin in your account falls below a predetermined amount, and you may not get a margin call before your positions are liquidated. Because of this, you should monitor your margin balance on a regular basis and utilize stop-loss orders on every open position to limit risk.

That covers the profits end, but what about the costs? When you trade in futures, you have to pay exchange and brokerage fees. The mini forex trading market is commission free, a much better scenario. Currency trading occurs on a worldwide inter-bank market that lets buyers be matched with sellers in an instant. But even though you do not have to pay a commission charge to a broker to be matched up with a buyer or seller, the spread is usually larger than it is when you are trading futures. And the spread is where the brokerage makes their money.

For example, if you are trading a Japanese Yen/US Dollar pair, a mini forex trading market trade would have about a 3 point spread (worth $30). Trading a JY futures trade would likely have a spread of only 1 point (worth $10), but you would also be charged the broker`s commission on top of that. This price could be as low as $10 for self-directed online trading, or as high as $50 for full-service trading. However, this is generally all inclusive pricing. It`s a good idea to compare both online mini forex trading and your specific futures commission charges to see which commission is the greater one. Still not convinced? Consider the fact the mini forex trading market is highly liquid, ensuring that a trader will never be trapped in a position, as you can be in an equity or futures market. Or that it trades 24 hours a day, allowing a trader to act on major market events when they happen, rather than waiting for the opening bell. And last, but certainly not least, it is simply to largest market in the world. It is not regulated. No central bank can do more than influence the market. You will never need to worry about government interference.

mini forex trading trading is a great alternative to futures and commodities trading. Unless you are a broker, you will likely want to get some help in mini forex trading. As with any type of trading, there are always some risks involved, but if you take the time to understand the market, and design a trading system that is right for you, you will be successful.

You know all the articles you read about annuities that have extremely high fees? And the ones that people lose a lot of money in? Well, these are better known as variable annuities. yes, they do have some advantages. They do offer market upside potential, have a guaranteed death benefit, and offer tax deferral…but they have a lot of downside also.

Now don’t get me wrong…I am an annuity advocate for the right situation and for the right candidates…but I am wildly opposed to variable annuities in MOST situations. For starters they have high fees. Over time, the market may average 8-10% but if you look at the fees, ranging anywhere from 2-5%, then your returns start to look pretty dismal. I mean for the amount of risk you take, it is often not worth it.

The other problem I have with variable annuities is that they have too many bells and whistles that are often deceiving and extremely costly. One of these “features” is the living benefit. I marvel at the fact of how many agents propose the living benefit and can’t explain to their clients how they really work…(or won’t because when you understand it, you find out it’s really not a great feature at all). So for the most part, I think variable annuities don’t offer enough to justify purchasing them.

So is there a good situation where variable annuities would be appropriate? Well, there may be…And I suppose you want to know what those situations might be? Well, for that, you will have to get it from the book…What book? It is called Annuities: The Shocking Truths Revealed–found at http://www.AnnuityMD.com. It is an in depth look at the different types of annuities, what they can and can’t do, how people make mistakes when they buy annuities, and what they can do to avoid them. You think that’s valuable? It sure is. And I don’t hold back…It is the truth and nothing but the truth. It talks about all the hidden truths that nobody ever tells you about annuities…especially when they are trying to sell you one. You may think education is expensive, but try ignorance..there’s no comparison. Because remember…

Ignorance is not bliss…

Tony Bahu is the author of the controversial document,
‘Annuities: The Shocking Truths Revealed’, which reveals the secrets
that the banks and insurance companies don’t want you to know.

For more information on his document, visit the site below right now!

http://www.AnnuityMD.com

RETIREMENT PLAN CONSIDERATIONS are something every small business person needs to be thinking about. Do you have a strategic plan? Don’t expect to have social security save you.

Topics to consider when developing a retirement plan for yourself and your employees.

ADVISOR:

Independent Advisory Firm
Insurance Brokerage Based
Securities Brokerage Based

PLAN ADMINISTRATOR/SERVICE PROVIDER:

Third Party Administrator
Insurance Company
Mutual Fund Company
Securities Brokerage Company

TRUSTEE OR CUSTODIAN:

Insurance Company
Mutual Fund Company
Securities Brokerage Company
Self-Trustee

TYPE OF PLAN:

IRA
Roth IRA
Simplified Employee Pension Plan - (SEP)
Savings Incentive Match Plan For Employees IRA - (SIMPLE IRA)
Savings Incentive Match Plan For Employees 401 (k) - (SIMPLE 401 (k))
401 (k) Plan
Money Purchase Pension Plan
Profit Sharing Pension Plan
403 (b) Plan
Target Benefit Plan
Defined Benefit Pension Plan

OTHER PLAN CONSIDERATIONS:

Suitability
Plan Features (Including Cost, Establishment and Maintenance)
Plan Contribution Limits
Set Up And Contribution Deadlines
Eligibility Requirements
Investment Options

As a small business person you may eventually sell your business, perhaps for a large sum, but with inflation and cost of living will it be enough? People are living longer, so if you think you will work until age 60 or 70 and then sell your business, you may need enough money to live for another forty or more years. The avearge life expectancy for a 30-40 year old is age 110. That is without considering any new break through miracle drugs, which scientists assure us are definitely on there way.

Currently we see the political tug of war as to what to do about social security. Do you have a plan? Are you willing to take that risk?

“Lance Winslow” - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/

HYIP, or High Yield Investment Programs allow you to earn a considerable daily or monthly interest on your investment. It can be something from 5% monthly to even unbelievable 50% daily. The risk is very high and you need always to know the most up to date information to take the right decision. By investing in HYIPs you risk your money every day, because you has no warranty that your money is safe and in fact it isn’t.

There are several sources of information about HYIP programs, though no one of them is perfectly reliable, you should use them all and know how to find the needed information about every certain program. Without the right information it may be much harder to be a successful investor.

One of the main sources of the HYIP information are the HYIP monitors. HYIP monitors list all HYIP sites and provide with some basic information about the program, as when it was started, how does it claim to gain the needed profit and what are the interest and fees, but also the most important information - if the program is paying or not. Some programs continue operating even after they’ve finished to pay their members and while experienced investor may always find out easily if the program still pays or not, newbie investors may sometimes lose money on such programs.

All HYIP monitors work in a very simple way, they just monitor all the HYIP programs and also sort them by payouts, age and their preferences. Lots of HYIP monitors also allow people to vote for the programs. While this is a great feature, some of the votes may be easily forged by the program owners themselves, but still the majority of votes are usually made by real persons, which were happy after they got paid. Also pay more attention too the bad votes.

Good programs are never marked with “not paid”, so if any HYIP monitor claims that the program is not paying, stay away from it. But even if the program is paying now, it may stop paying soon and turn to a scam. Look for more information about a program before considering an investment.

There are now hundreds of different HYIP monitors and most of them list hundreds of HYIPs, the competition is very high, though Goldpoll is one of the biggest HYIP protals. Other good HYIP monitor is HYIPs Analysis, where you can check an average lifetime of any HYIP program and estimate how long will a certain HYIP last.

HYIP monitors earn from the interest paid by the HYIPs, but also form referral comissions generated by their visitors who decide to invest in the program. Also every HYIP owner should usually pay around $20-$50 to get his HYIP listed. This money is invested aftewards into the program.

HYIP monitors are great to check the program and see if it pays, but they mostly list programs paying high returns, like over 10% daily and these HYIP usually don’t last long, so a lot of people get scammed by believing that the program is able to generate this kind of interest for a long term period.

Use HYIP monitors to find new programs, but also use HYIP forums and read HYIP articles to educate yourself more and to be a more successful investor. GoldenTalk is a good HYIP forum, you can find plenty of useful information there. Also read articles and reviews published at HYIP Best.

Earring Jackets are a wonderful way to add a little variety to a simple pair of studs. Do you or your special someone have a limited earring collection? Put a little spice into them with earring jackets.

Earring Jackets are like accessories for your stud earrings. They are attached to a piece of metal with a hole in the center that slides over the metal post in back of the stud. Most earring jackets are round with a ring of colorful stones or glass set around the metal circle of the earring jacket. Other earring jackets are made with dangles, pieces of artistically shaped metal, glass, beads, pearls, etc that dangle via a small metal chain from the metal circle of the jacket.

Since studs are simple, usually just a diamond or cubic zirconium they often work in a variety of environments but sometimes you want to wear something different. Earring jackets provide the chance to create more elaborate looks with different feels for different settings. The more colorful jackets can be appropriate for parties with friends, while jackets with a silver dangle could be for a more elegant dinner. Then later on you simple remove the jackets place them into your purse and go about your day with a conservative look.

Earring jackets can be somewhat expensive ranging in price from a hundred to four hundred dollars. They are made of metals similar to any other piece of jewelry, sterling silver, gold, platinum, etc. and a range of semiprecious to precious gemstones including sapphires, rubies, diamonds, and opals. It’s best to purchase a small box or velvet bag to store your earring jackets in when not using them as they can be easy to lose.

Mrs. Party… Gail Leino is the internet’s leading authority on selecting the best possible party supplies, using proper etiquette and manners while also teaching organizational skills and fun facts. Anniversary Rock has a huge selection of earring jackets.