Home » Search "investing" Results

investing hot deals search results



 1 2 3 4 5 6 7 >  Last ›
ADR Transfer Agent change w/out notice
Added on : Friday November 21st 2014 05:00:12 AM
g: 0 Posted By: alienjedi
Views: 58 Replies: 0 So I have ADR shares in a company that was handled by BNY Mellon. BNY Mellon uses Computershare to handle their share access. Last week I notice my shares go missing from my Computershare account and it just says "No longer transfer agent." Turns out that JP Morgan is now the transfer agent, but they haven't sent me a letter or e-mail one. I feel like this is a giant grey area since the transfer agent said, you are not our customer, the company issuing the stock is.

This means that without my authorization, they force me to do business with a different company that may have different fees associated. Is this actually legal?
Investing Deals
Sell mutual funds or stop retirement investing?
Added on : Wednesday November 19th 2014 05:00:06 PM
g: 0 Posted By: gloriousfiftyrama
Views: 50 Replies: 2 Hello everyone,
I have a quick question. I need ~ $10k for a home improvement project. I can either sell some mutual funds or stop my retirement investing for a few months to come up with the $. Which way is better and why? Thank you for your input. Gloria


New User Question Deals
Penny Stock Glitch 11/17/14
Added on : Tuesday November 18th 2014 10:00:09 AM
g: 2 Posted By: hustlenomics916
Views: 137 Replies: 2 I just want to see if I was the only one to have this problem. I logged into my share builder account to notice one of my stocks (MJNA) was up from 40 cent to 14 dollars I immediate sold all shares. I checked my email confirmation to notice that the stock actually did not increase I called capitol one 360 ( share builder) they said there was a glitch in the numbers sent from their reporting agencies.
Investing Deals
g: 0 Posted By: HKnight
Views: 31 Replies: 1 Just received an email from LendingClub about a Directed Share Program stating they they expect to reserve a portion of their IPO shares for investors and asking for confirmation to share my contact information with Fidelity, the administrator of the directed share program. Keep a lookout for such an email...
Investing Deals
Getting out of the military, looking for my next opportunity
Added on : Sunday November 16th 2014 09:00:05 AM
g: 0 Posted By: mastroadam
Views: 102 Replies: 0 I'm 26 years old and getting out of the marine corps soon. I have a wife and two kids, free housing with my parents when I get out, two vehicles paid for, 25k in the bank, 10k in lending club that I am slowing taking out after they allowed institutional investors to have first dibs. I have three years experience prior to the military in the health food industry and six months in quality control, active security clearance, four years in air defense experience. I've been churning for the past four years, investing for the past six years. Interested in flipping things off slickdeals and rental income. My wife is bilingual, veteran, and has a disability (which from what I read lets us qualify for a VA loan minus the funding fee). I will be moving to the Chicago area in a few weeks and would like you input for any opportunitiesI might have overlooked.

Discussion Deals
Grade me
Added on : Saturday November 15th 2014 04:00:10 PM
g: 0 Posted By: rattletrap
Views: 90 Replies: 1 I put this on bogleheads and thought I would put it here as well...

Looking for anyone interested to go Suze Orman on me and give me a grade on how we are doing. I also welcome any advice! For the first time in our lives, we have the problem of having extra money that we need to decide what to do with.

We are both mid 30's
1 child - 1.5yr old
Debt: 87K mortgage (Home value 190K)
Savings: 97K (sitting in an account making about 1%)
Retirement:
me - 100K in a 403b
wife - 35K in TRS (Teacher Retirement System) making about 5%
I currently put 700/mo into my 403b. Wife started staying home when we had our first child, so nothing currently going into hers. Although I may try to look into option of putting into it... not sure how that works.

So, net worth is around 300K. We managed to save the 97K by putting away my wife's entire check for 3 years straight. Now that she's staying home, that money train is over. She may go back to work one day, but for now we both value her staying home with our child. We haven't invested it to this point b/c we weren't sure how everything would shake down with my wife no longer working and adding a child to the mix. After 1.5 years, I think we're doing okay. Right now after all bills are paid, we save about $500/mo. I'm thinking we need to earmark 35K of savings as Emergency fund and then invest the rest (very interested in ideas for this).
I've thought about putting it in CD's allocated into amounts like- $1k, $2k, $4k, $8k, $16k, $32k (advice I read to someone else on FW). That way if I need it, I could just break the ones for the amount I need. Of course, I've never bought a CD, so no idea where to find the best ones. Other than this option, the best idea I have is to go with something like the American Fund or S&P 500. But, I'm just not sure what to do...

The two things I'd like to get set up in addition to an investing plan are a fund for future car replacement and possibly a 529.
Personal Finance Deals
Angel Investing
Added on : Thursday November 13th 2014 03:00:05 PM
g: 0 Posted By: BradMajors
Views: 89 Replies: 1 Anyone have experience and/or knowledge concerning Angel investing?

Note:

Angel investing is not crowd funding.
You must be an accredited investor to participate: http://www.investor.gov/news-alerts/investor-bulletins/investor-...
Angel investing is not a passive investment. The companies want more from you than just your money.

Discussion Deals
PCGS/NGC proof coins and rare coins
Added on : Sunday November 09th 2014 09:00:17 PM
g: 0 Posted By: Greatness
Views: 45 Replies: 0 I never really dabbled in coins, however, I've started to do so with Heritage, JMBullion and Kitco. I have purchased some rare pre-1933 coins in MS-65 or greater as well as MS-70 gold and platinum coins from previous years. I did look up the prices in the guides and did research. However, I do not understand why the first strike MS-70 proof coins from previous years (even 2013) are selling for significant sums over what 2014's are selling for. Yes, I understand there is only a certain amount made each year, but for MS-70 gold and platinum coins an oz is an oz. No? How much more of a premium can be placed on a coin that was struck in 2013, 2012, 2011, etc. when compared to 2014. Just because they are older mintages, they by default, go up?

If anyone can clarify this, I would appreciate it.


Thank you.
Investing Deals
Graduated, found a job. Now what?. Advise with handling money please.
Added on : Sunday November 09th 2014 10:00:04 AM
g: 0 Posted By: partyallnight
Views: 102 Replies: 6 Finished my PhD earlier this year. Graduated, got a job that took me from a Professor's monthly stipend to some thing like $130k per annum.

My life style never changed. I am still going to live with room mates atleast for a while, in the same college town. Food habits improved a bit. Still driving the old beater car, sharing fuel costs with room mates for grocery purchases. No girl friend or wife, none in the near future at least.

For the first time, my bank account has actually started to grow. I am saving literally around 50% of my pay check. Maybe in the future after room mates graduate and move out, I might not look for new ones and my rent amounts might increase, but still. I like seeing numbers in my bank account I have never seen before.

I have been browsing FW forums for a while. Haven't really seen any suggestions on what to do with money. Everyone says you should try and save etc etc, but nobody says where the savings goes.

The bank where I store my money has a savings account that offers 0.05 % or something like that. Might as well just keep the money in my mattress, right?

I am asking because I want your suggestions on whether I should open a new bank account, whether I should do something else (no credit card balances or student loans, so I don't owe any one at the moment. Not planning on taking out any car loans / house mortgages for now either). Where do you guys keep your excess money? I don't know much about stocks, and I understand Boggleheads is a good place to learn. But I don't want to start having fun with stocks till I build what I see everyone call a "nest egg".. but where exactly does this "nest egg" get stored? (I am closing to having 5 months worth of living expenses in my bank, the way I am living right now).

Any suggestions? Keep it in my checking account till I get enough to invest in some thing big? Go for one of those online savings with 1% returns? It seems like everyone is putting their money to work, and I am just missing something. What am I miss?
Investing Deals
Loyal3 eliminating credit card funding 12/11/2014
Added on : Friday November 07th 2014 11:00:06 AM
g: 0 Posted By: Waffles
Views: 109 Replies: 1 Loyal3 said: Hi Waffles,
We've had an amazing 2014, introducing more IPOs to the general public than ever before - with brands such as Santander Consumer USA, GoPro and Dave & Buster's. And we've added many new stocks, including most recently, Kraft Foods.

Through the success, we've also learned a lot about how people use LOYAL3. Credit cards have become a common method for people "gaming" LOYAL3 to gain credit card points and not for the purpose of investing. This increases our costs and subtracts from our mission of making it easy, affordable and fee-free for people to invest in the brands they love.

In order to put an end to the "gaming" of LOYAL3, and to maintain fee-free investing, on Tuesday, 11/18/2014, we will be removing credit and debit cards from the LOYAL3 platform. Automatic Monthly Plans (monthly recurring investments) using credit and debit cards will continue to be active until Thursday, 12/11/2014, to allow time to switch over to ACH (checking account transfers).

Well that was a good run. How much did you churn through Loyal3?
Discussion Deals
Best platform to trade commodities and FX?
Added on : Friday November 07th 2014 04:00:13 AM
g: 0 Posted By: growingdollars
Views: 29 Replies: 0 Is there a good all-in-one multi-asset trading platform that is recommended? Preferably if the costs are competitive as well.


Investing Deals
g: 0 Posted By: ctgolfer
Views: 157 Replies: 0 use promo code: AFNJ4532

Screen Protector
iPhone 6 4.7
Glass

Shield your iPhone 6 most crucial element - the Retina HD Display; Investing in the Glacial 5 layer tempered glass can and will prevent your iPhone 6 screen from breaking or shattering.

Premium HD tempered glass anti-scratch shatter proof for iPhone 6 4.7"; Ultra thin only 0.18mm thickness, hard coated for anti scratch (9H), 2.5D rounded edges; Fingerprint resistant - Oleophobic coating reduces oil and glossy fingerprint smudges easily; Bubble free installation with no residue, easy to install and remove; 99% clarity for maximum resolution and maintains original touchscreen experience.

www.newegg.com/Product/Product.aspx?Item=N82E16875925458
Cell Phones Deals

Newegg Coupons
g: 10 Posted By: remick
Views: 379 Replies: 1 http://www.amazon.com/gp/product/B00JSTM8T0

4.8 out of 5 stars (9 customer reviews)

Do you know what will happen to your house or bank accounts after you die? What would happen to your stuff if you were in a coma? What will happen to you and your family if you are in a coma? Do you want to make sure that your spouse, children, or other family members are taken care of after you die? Have you considered what you would say to loved ones in a heart-to-heart message to help them deal with your death? Do you want your loved ones to avoid probate court and costs? Do you want to make a will?

This book can help you with all of these questions and more. It is a one-stop shop for all of the estate planning documents you are likely going to need to create a complete estate plan. This book includes information about:
the differences between a will and trust,
what are the end-of life documents you need to ensure that your wishes are carried out,
the location of your important documents,
how to leave letters to loved ones to help them deal with your death,
how to make the sample forms legal documents,
and more.
Complete estate planning documents for husbands, wives, domestic partners, and unmarried individuals. We've put expertise into this book to make sure you're ready to create your own legal documents. Will, Trust, & Power of Attorney Creator and Estate Records Organizer is clear, practical, and explains what you need to know in plain-English without the use of long case studies a lot of useless legal jargon. With this book, you'll get essential information about estate planning documents and how they work with one another to achieve your wishes. Our goal is for you to understand what you are creating, why you are creating it, and understand how to use other legal documents in concert with one another. This book:
is easy to use,
helps you make documents more efficiently,
allows you to get organized and keep your records together,
ensures that your documents are created correctly the first time,
and allows you to create multiple legal estate documents to save you time.
The Legal Self-Help Guide series provides information to those who want to understand their legal rights and responsibilities in an effort to resolve legal problems or know enough to feel confident in their decision to retain legal counsel. This Guide provides plain-English explanations as an alternative to the legal jargon that fills legal books.

Express Your Rights.

At Peerless Legal we believe the law is only useful when people have the tools they need to understand their rights. Join us on our quest to make the law usable and accessible to anyone. Peerless Legal was founded with quality in mind. All of our products are created by a licensed attorney who believes in our mission to empower individuals by giving them the legal self-help tools to access legal information, make decisions, and engage the system. You can take part by turning information into actions.


also free

Retirement Planning Checklist: The Ultimate Guide
http://www.amazon.com/Retirement-Planning-Checklist-Ultimate-Gui...


Principles of Investing: A Complete Introduction to Stock Ownership, Basic Valuation, and Risk Assessment
http://www.amazon.com/Principles-Investing-Introduction-Ownershi...
4.6 out of 5 stars (9 customer reviews)


Accounting Comes Alive: The Color Accounting Parable
http://www.amazon.com/Accounting-Comes-Alive-Color-Parable-ebook...
4.2 out of 5 stars (52 customer reviews)











Books Deals

Amazon Coupons
Short term disability for maternity leave, and Whole vs Term Life
Added on : Tuesday October 28th 2014 05:00:12 AM
g: 0 Posted By: RhizzleBop
Views: 58 Replies: 1 Hi, Its open enrollment time for myself and my wife's policies.

We were looking to add Short term disability under the understanding that it would cover a standard maternity leave (which we hope occurs in 2015.

Found out she can take the coverage but of course it applies starting Jan 1 2015, and if birth occurs before 9 months into 2015 (standard, no complications) they will not cover it. I called another company and theirs does not cover standard maternity at all. Our goal was to get something in place right now as we don't know when or if that might occur in 2015. Didn't want to wait till Jan to have that coverage that would still not apply if birth occured before 9 months into next year.

Secondly, in general, is it best to have longterm, and not short term, with regards to other reasons to use it, not maternity leave? We are both 34, healthy, work in office job and teacher.


With regards to life Ins. I have a paid up whole worth 14K thats been paid up for about 10 years. I have 25K term through work currently. Found out wife only has 3K through her work, and we were gonna bump that to 13K for 70 cents a month until I can figure out a better plan.
Should we consider a whole policy for her? My approach in general is to build wealth through investing so that we really don't need these policies in30-50 years, but who knows what life will throw at us.

Wife also has a cancer policy that we pay 46 a month for. She had it before we met and frankly I need to look into what it pays. We kept it because breast cancer runs in her family. She gets yearly exams.

thanks for the advice in advance.
Not 100% clear on term vs whole other than whole gets paid in full and term is for as long as you pay for it (until they refuse coverage or raise the price so high it cant be afforded). Otherwise, i don't know the general rule of thumb for what makes sense.
Personal Finance Deals
IRS expands 401(k) limit to $18K for 2015...
Added on : Thursday October 23rd 2014 07:00:08 AM
g: 1 Posted By: HotSalami
Views: 54 Replies: 0 Unsurprising news:

http://www.cnbc.com/id/102115185


No change to IRA/Roth amounts.


<edit>

I'd ignore the ambiguously written paragraph: "If a worker is investing in both an after-tax Roth IRA (where withdrawals are tax-free), as well as a pre-tax program, then the contribution limit applies to the amalgamation of both accounts." I think that refers to the amalgamation pre and post tax 401K contributions. It was probably written by Suze Orman
Discussion Deals
Motif Investing $150 promotion for $5000 investment
Added on : Monday October 20th 2014 12:00:04 PM
g: 0 Posted By: chrisatspfld
Views: 37 Replies: 0 https://www.motifinvesting.com/offers/open-motif-ira?utm_source=mint&utm_medium=partner&utm_campaign=150transfer_ira&utm_content=advice-desktop

$150with a qualifying transfer of $5,000 or more. [...] The credit applies to Motif Investing IRA accounts funded with a transfer of at least $5,000. A transfer is defined as an IRA-to-IRA transfer (rollover does not qualify). Funds must be transferred between February 1, 2014 and October 31, 2014, and remain in your account for a minimum of 30 days to qualify for the offer.


Deal Deals
Thinking of opening a hair salon
Added on : Sunday October 19th 2014 07:00:11 AM
g: 0 Posted By: ymprncess
Views: 40 Replies: 2 Hi everyone. I was thinking of opening up a hair salon for kids. There isn't one in my area, so I figured I take a chance. I have no experience, and I am thinking of hiring someone to run it. I already have a full time Jon in the healthcare field, so I am not thinking of quitting my job. But I have no clue as what needs to be done. I figure I add up the cost of equipment, like chairs, mirrors, etc.. Anyone have advice to share?
Investing Deals
g: 0 Posted By: JiggleTheHandle
Views: 343 Replies: 4 I have a vested retirement plan from a job years ago.

I received an offer to receive money now rather than after I am dead (do not expect to ever live to see 60). So now is better. It is free money. I have 2 weeks to decide what to do.

Question is, the offer stated it was void without wife's birthday. So I gave it to them and the offer was changed to less money. Wife is not connected to this annuity having signed away her rights to it so I could name someone else to receive funds.The plan is administered by Milliman Service. Is there any way to restore the innitial value?
Investing Deals
Immediate payable annuity early retirement offer from Milliman
Added on : Friday October 17th 2014 09:00:08 AM
g: 0 Posted By: JiggleTheHandle
Views: 153 Replies: 2 I have a vested retirement plan from a job years ago.

I received an offer to receive money now rather than after I am dead (do not expect to ever live to see 60). So now is better. It is free money. I have 2 weeks to decide what to do.

Question is, the offer stated it was void without wife's birthday. So I gave it to them and the offer was changed to less money. Wife is not connected to this annuity having signed away her rights to it so I could name someone else to receive funds.The plan is administered by Milliman Service. Is there any way to restore the innitial value?
Investing Deals
PSA - Beware changes to Mango Money monthly fees
Added on : Thursday October 16th 2014 09:00:12 AM
g: 0 Posted By: BenH
Views: 67 Replies: 2 Not sure how many of you are dealing with a MangoMoney account, but I thought I would share this info as it was news to me.

I have one for my wife and I which is a prepaid debit account with a linked savings that has a 5.85% rate on up to 5K.

Previously, there was no monthly fee if you deposited $500 or more each month.

This month I saw a $3 monthly fee appear on our accounts. When I called to question I was told that they amended their terms and now they charge every month regardless...although they dropped their fee from $5 down to $3.

They claim they sent letters in and e-mails in June...of which I don't recall. I generally don't delete e-mails and can't find any on my wife's or my account.

I'm trying to decide what to do, since I think these change of terms is pretty crappy, especially the surreptitious way in which they have done it.

However, at $36 in fees a year, that still means a net of over $250 dollars on the 5.85%

Additionally, before I had to worry about posting every month and transferring out, now since I will be charged regardless, it doesn't really matter.

I'm still thinking it is a pretty decent return on the money.

Thoughts?
Investing Deals
Motif Investing, $100 promotion
Added on : Wednesday October 15th 2014 07:00:09 AM
g: 0 Posted By: ProfessorEd
Views: 86 Replies: 0 I just talked to Motif Investing (learning how to download tax information). They still have a promotion with $100 for new accounts (and $100 for those that refer them).
The new customer must deposit $1000 within 30 days and make one MOTIF trade and keep money for at least 70 calendar days.

For those that are not familiar with them, they have an innovative scheme by which you can make one trade covering a number of firms with a theme for one fee of $9.95.

The most obvious potential problem is that this platform can generate a very large number of small trades, each of which is a taxable event. With an account whose value was about $2000 and five trades I generate a two page list of stock buys and sells (most for fractional shares).

Fortunately, they do integrate with TurboTax, but in a non-obvious way. You have to look for their clearing firm, Apex, and then use as login 10-MOTIF account number, and your social security as a password.

For details, and discussion of how to use them as an investor, see the previous thread at http://www.fullofdeals.com/forums/arcmessageview.php?catid=52&thre...

Motif is at https://www.motifinvesting.com.
Investing Deals
Free Kindle Book- Propose, Prepare, Present (was $14.99) & other business
Added on : Wednesday October 15th 2014 04:00:06 AM
g: 3 Posted By: remick
Views: 252 Replies: 1 Propose, Prepare, Present: How to become a successful, effective, and popular speaker at industry conferences
http://www.amazon.com/dp/B00D3VH4KW

Every year, tens of thousands of companiesfrom industry giants to aspiring upstartsapply to speak at conferences. They pump millions of dollars into these events, hoping to find new customers, strengthen their brand, and meet new partners. Sadly, for most of them, things dont go that way. Submitted topics arent chosen; when they are, they come across as tone-deaf sales pitches.

What does it take to be chosen to speakand to rock the mic when given the chance? This book takes you behind-the-scenes of the conference process, showing you how to submit, plan, and deliver a talk that matters. Event organizer Alistair Croll provides many examples based on his experience with a wide range of conferences, including OReillys Strata, Velocity, Web2Expo, and TOC Conferences.

Learn 11 items that help your submission stand outand 11 items that will get it tossed
Explore the hurdles your proposal has to clear before its accepted
Tailor your talk to a conferences topics and themes
Discover why images work better than words in your slide deck
Achieve your business goals by engaging the audience before, during, and after your talk



Powerful Communication: Influence, Persuasion and Communication Skills You Need to Have
http://www.amazon.com/dp/B00L9K6928

Whether you are a business owner, leader, or just about anything else, communication is critical. If your communication abilities are limited, though, your potential for success will also be limited.
In Powerful Communication: Influence, Persuasion, and Communication Skills You Need to Have #1 Best Selling Author Ric Thompson shares proven steps and strategies for how to improve your communication skills and how to use those skills to achieve your goals and live your dreams.



Public Speaking - Simple Tips To Become A Confident And Successful Public Speaker For Life
http://www.amazon.com/Public-Speaking-Confident-Successful-Train...

Youre about to discover how to feel comfortable and fully at ease with public speaking.
Many experts claim that public speaking is a dying art. This is because many people dread standing up in front of a crowd to say their piece. In fact, if they could get away not doing it at all, they probably will. This fear of public speaking breeds a counterproductive mindset that is actually more disadvantageous over the long run.
What is needed is to imbibe the right attitude needed to help you get your debilitating fear of the unknown. To enable you to become a confident and successful public speaker, you need to tell yourself that you are



Informal Learning at Work: How to Boost Performance in Tough Times
http://www.amazon.com/dp/B00B1W1104

Discover how the role of anybody involved with workplace learning, enhancing capability and improving performance MUST change to successfully manage the critical shift in the way organizations need to cater to the learning needs of their employees.
Despite millions spent on training, surveys show that the majority of workers are disengaged and delivering far less than they are capable of. Deliberately harnessing the power of informal learning is the new way to tangibly improve worker capability and performance, right at the point of work.
This book shows you how, using practical advice from workplace learning experts, and examples and case studies from around the world.



How to Pursue an Idea
http://www.amazon.com/dp/B00NCJL7G2

Everybody wants to be an entrepreneur but not everybody knows how to start a business. Did you ever have an idea that seemed good but didn't know how to follow it? Are you having a hard time coming up with ideas that could turn into gold? Well, this book will teach you how to generate ideas, pick the most suitable ones, share them, transform them and then turn them into a moneymaking activity that will go along with a well developed business plan.You'll learn through a step by step process and, hopefully, get motivated enough to make the jump from nothing to SUCCESS!



Capability at Work: How to Solve the Performance Puzzle
http://www.amazon.com/dp/B00NVHO5B4

Many organisations struggle with poor performance. Despite investing in various learning and development initiatives they seem unable to solve the performance puzzle. They cannot get to the real underlying cause of the lack of performance, and so it continues.
Think about it this way - wherever there is poor performance, it is because someone is not capable of doing what needs to be done. Something is stopping them doing the job in front of them.
This book is like a 'Field Guide' that shows you how to operate as a performance consultant, how to identify the root causes of poor performance, and how to collaborate with the operations managers to deal with those root causes.
It is clear that the role of Learning and Development is changing. This is both a challenge and an opportunity for L&D practitioners. The opportunity is yours for the taking!



Actually Useful Accounting
http://www.amazon.com/dp/B00ESUOEW8

Cashflow problems kill more small businesses than anything else. But before you can tame cashflow you have to understand your business: and that means learning basic accounting. Covering everything you need to know from accruals to year-end, Actually Useful Accounting is written by one of the masters of clear explanation: Phil Cohen. Phil started and still runs two consulting firms in Sydney, Australia, and has 30 years experience of what it takes to make a business a success. Contains excellent advice on tax, insurance, invoicing, payment terms, as well as a clear and bulletproof explanation of accounting and its application to running a successful business.



Leadership IS for Everyone
http://www.amazon.com/dp/B00G2BL15Y

Until now, leadership has always been viewed as the purview of a select few - it seems to be more about the "what" these leaders want their subjects to do, rather than the "how-to." That's a mistake, says Vinay Nadig. In this persuasive and pragmatic new book, Vinay makes a case that (a) leadership is accessible to anyone and (b) leadership is a set of sustainable daily behaviors.
He lays out a practical and instantly usable "leadership launch platform" in the form of 20 Leadership Secrets or techniques. These 20 secrets are the foundation of leadership as a way of life - the only real way to perform at an exceptional level.
Read what Marshall Goldsmith, 2 million-selling author of the New York Times bestseller, Mojo and What Got You Here Won't Get You There has to say about "Leadership IS for Everyone":
"In Leadership IS for Everyone, Vinay lays out a vision to achieve exceptional performance and achieve fulfillment at work. His core tenets of doing things rather than being somebody, of sustainable behaviors rather than a belief in hierarchy and title hit the mark in todays workplace. Using a practical workbook-like approach, Vinay leads you through the process of establishing yourself as a leader and then launching into the highest levels of leadership where you focus not just on yourself, but in transforming others. If you are looking to take your performance to the next level and achieve not just your goals but true fulfillment, then reading and using the 20 leadership secrets he shares in this book will prove invaluable."
Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 118 Replies: 0 http://www.amazon.com/dp/B00EPFSXV4

5.0 out of 5 stars (21 customer reviews)

>>> A user friendly guide to buy a franchise
This book is a user friendly guide to assist you in making the best decision when you buy a franchise. Making the best decision is to make sure you have the right information. This franchise guide is an excellent resource to make sure that you will buy a franchise and will know what are the right questions to be asked.

>>> You want to learn everything you can when you buy a franchise!
As a prospective franchisee, your intention is to acquire a specific franchise opportunity. You're not buying franchising in general - you're investing in a specific name or brand. You want to learn everything you can about the specific company you intend to buy, including: How many of the company's franchisees - succeed? are satisfied with the franchisor? earn at least $150,000 a year?

>>> A logical system about investing in a franchise opportunity
The book includes a series of checkpoints that anyone can use to explore and evaluate franchise opportunities. If you enjoy following a plan that will help you gather information so that you can make an educated decision, then you will love this book. This franchise guide presents a logical system that's designed to help people make important decisions about investing in a franchise opportunity. Each of the checkpoints introduces an important idea, concept, or suggestion about franchising. Collectively, these are the points you need to consider before investing in a franchise.

"Buy 'Hot' Franchises Without Getting Burned" will help you:
Understand what franchising is all about before investing your money.
Evaluate the pros and cons of becoming a franchisee.
Get free assistance from a variety of resources.
Know how to investigate franchise opportunities that appeal to you.
Read and understand the Franchise Disclosure Document
Protect yourself by knowing your rights as a prospective franchise.
Get a list of franchisees to call and visit before you invest.
Make sense of the initial franchise fee.
Understand franchise fees, including the royalty and marketing fees.
And much much more...

Most Helpful Reader Reviews
"This book is like a road map that every potential franchisee should follow." - Donna Karlsons
"Don't consider any franchise until you have worked through the checklist in this book! John Hayes explains clearly what you must know to make a good decision about investing in a franchise." - Adam J. Savage
"The author takes a realistic look at all the things that should be considered when buying a franchise and puts them in proper perspective." - mswtex
"No one should buy a franchise before reading this book! Dr. Hayes presents the fundamentals of franchising in Cliffs Note version with all the right questions to ask" - Mark Huckins
Totally Free Deals
g: 0 Posted By: remick
Views: 194 Replies: 0 http://www.amazon.com/gp/product/B00K6MYQEI

A book of Business and Financial research. Understanding finance from a research perspective is always interesting. Innovative research is used and the book throws light of finance and business correlations with a practicality that can be implemented. It is a way of seeing finance.



also free

Sources of Wealth
http://www.amazon.com/Sources-Wealth-Andrea-Plos-ebook/dp/B00BB8...

This book is a no-nonsense, easy-to-follow guide for everyone who has ever been afraid of finance. In it youll find the tools to help you grow your money and increase your peace of mind, and youll find the confidence to achieve the things youve always dreamed of.
In this book, you will learn about the different types of investmentfrom paper assets to Real Estate, as well as how to assess and manage risk, set achievable goals, and even start your own business. Well meet some successful people and examine the decisions they made that helped them achieve successincluding the skills they developed, which sectors they invested in, and how they approached the opportunities and problems that came their way.
Two of the most vital lessons you will learn are how to approach life with a positive attitude and how to develop the skills to handle whatever challenges come your way with confidence and ease.



Street Smarts The Business of Life: 5 Principles That Will Change Your Life
http://www.amazon.com/Street-Smarts-The-Business-Life-ebook/dp/B...

Would you like to achieve all your goals, become successful and reach your full potentialeither in your current career, a new business venture or simply in your personal life? Do you think about all the changes you need to make in your life and wish for change but arent sure how to get started?
It is possible to reach your goals and attain the success youve always wanted and the steps probably arent as overwhelming or intimidating as you imagine they might be.

Street Smarts contains a series of proven principles and insights Ive gathered through the years I spent living in the streets. These principles helped me go from being homeless to becoming a successful entrepreneur in the digital industry. The good news is, no matter at what point youre at in your own life, you can also make the positive changes you need to become successful. In Street Smarts, I lay out simple principles and insightful ideas and show you how to apply them in your daily life in order to reach your goals.
This book is a simple step-by-step guide with exercises that will encourage you to take action and apply these philosophies to your daily life. By adhering to the following advice, you will be able to accelerate your results, analyze what you are currently doing to see whats working and whats not, and make the necessary changes to live a happier and better quality of life.



Market Yourself to the Top!: A Headhunter's new job-winning "Personal Marketing Portfolio" and "Search Plan" that beats the resume! (Market2top! Book 1)
http://www.amazon.com/Market-Yourself-Top-Headhunters-job-winnin...

Learn the secrets in this book on how to:
Create your very own custom Execufirm Marketing Portfolio / Brand like a
professional.. Graphic Designer
Market your Marketing Portfolio like a. Headhunter
Win the job Interviewing like a. Professional Vendor
"This is much more than just another 'how-to' book on finding a better career.
This method will REVOLUTIONIZE the entire landscape of the American job
market! The Execufirm Marketing Portfolio ushers in a whole new era in personal
marketing."



Productivity Hacks Unleashed: Brilliant Life Hacks To Increase Productivity, Improve Time Management, Save Money And Live A Better Life (FREE BONUS INCLUDED) ... Productivity Hacks, Time Management Book 1)
http://www.amazon.com/Productivity-Hacks-Unleashed-Brilliant-Man...

DISCOVER HOW TO BE MORE PRODUCTIVE, HAVE BETTER TIME MANAGEMENT, SAVE MONEY AND LIVE A MORE AWESOME LIFE WITH PRODUCTIVITY HACKS UNLEASHED!



BizEtiquette
http://www.amazon.com/BizEtiquette-Cassie-Piasecki-ebook/dp/B009...

A Small but Mighty Etiquette Guide for Entrepreneurs, Small Biz Owners, Freelancers, Independent Contractors, and anyone who just wants to be a bit more classy in Biz.
As a lifestyle entrepreneur, I work and socialize with many entrepreneurs, freelancers and independent contractors. I realize everyone is not cut from the same bolt of etiquette cloth that I am. As technology becomes smarter, I have noticed that the lines of good etiquette are blurred even more.
The best way for me, up until now, to teach others about good BizEtiquette was by example. I set the standards of how I ran my biz and hoped a droplet of good etiquette stuck to the people I met. People can argue that you shouldnt worry what others think of you. But in this world, the way it is today, competition is fierce and news travels fast. Id rather ensure that my actions show me as a biz owner with honesty, integrity and a little good karma thrown into the mix than as a haphazard gal with a who gives a s*#t attitude when dealing with customers and vendors.
This little guide is filled with a lot of common sense, some helpful hints and a bit of humor. It is the perfect guide for anyone just starting out in the biz world and those who need to bring the blurred lines of good etiquette into sharp focus.



Master Problem Solving and Decision Making: How to use the power of creative thinking to solve problems and make inspired decisions
http://www.amazon.com/Master-Problem-Solving-Decision-Making-ebo...

This book teaches you a systematic approach to problem solving that it based on Creative Problem Solving strategies.
The book contains three sections:
Section 1 looks at creative thinking which is the key skill required to solve problems effectively. What is creative thinking? How can it be developed? What blocks creativity?
Section 2 takes you step by step through a process that finds creative solutions for all areas of your business or personal life. This is called the Solved Method which is the practical application of creative thought.
Section 3 provides example scenarios that utilise the Solved Method.



Operation Money: A Financial Guide for Military Service Members and Families [Kindle Edition With Audio/Video]
http://www.amazon.com/Operation-Money-Financial-Military-Familie...

"From investing in education and affording a home to choosing the right credit products and adequately saving for retirement, Operation Money offers military-specific advice to achieving financial stability." --Michael E. O'Neill, Chairman, Citigroup Inc., First Lieutenant, U.S. Marine Corps, 1969-1971

When it comes to money, military service members and their families face financial challenges that civilians simply dont.
While serving on active duty, members of the military are typically asked to move every few years and must learn how to manage money during multiple deployments. And managing the finances means figuring out a way to maintain a balanced budget while communication is limited. Meanwhile, the spouse at home is essentially functioning as a single parent without the necessary skills and tools to make serving as the familys Chief Financial Officer as easy as possible.
That is, until now.
Books Deals

Amazon Coupons
Choosing online brokerage account - pre-set GTC orders
Added on : Friday October 10th 2014 05:00:05 AM
g: 1 Posted By: FWSAVER
Views: 63 Replies: 1 I have read several online reviews of various brokerages. If you are buying etf's the commissions run pretty similar. However, I would like to "automate" some buying and selling - whether etf's, mutual funds,or stocks. It seems that many GTC orders actually expire in 60 days or similar time frame. Does anyone know if, or how many, brokerages allow you to set up good-til-cancelled orders which stay in place for an extended period?


Investing Deals
Is this a mis-price?
Added on : Friday October 10th 2014 02:00:07 AM
g: 0 Posted By: BrunoB
Views: 128 Replies: 1 9151376L2
http://emma.msrb.org/SecurityDetails/TradeActivity/9151376L2
See attached!
Investing Deals
g: -3 Posted By: ShowMetheMoney23
Views: 90 Replies: 0 www.peakfolio.com/post-tax-return



Investing Deals
g: 1 Posted By: remick
Views: 144 Replies: 0 Joyful Momma's Guide to Shopping & Cooking Frugally
http://www.amazon.com/gp/product/B0077H7NNQ
4.4 out of 5 stars (48 customer reviews)

Have you noticed the cost of groceries absolutely skyrocketing?
As the cost of feeding our families well on a tight budget continues to climb ever higher, we need to reevaluate how we spend the money in our grocery budget. Thats where Joyful Mommas Guide to Shopping & Cooking Frugally comes in.
If youre like me, youve been frustrated by the rising prices of groceries, while the family income either remains the same or goes down. It seems like everyone is looking for ways to cut back on their grocery bill.
Let me help you learn how to save big money at the grocery store with some simple and easy-to-implement tips!

☑ Do you wonder how some people seem to save big money with coupons while coupons only seem to make you spend more? (See page 26)
☑ Do you always seem to go over budget when grocery shopping? (See page 40)
☑ Are menu planning and making a shopping list overwhelming you? (See page 18)
☑ Does your menu plan go out the window after husband and children snack on vital ingredients? (See page 23)
☑ Are you struggling with managing or losing weight while keeping with a super tight budget? (See page 80)
☑ Is the challenge of breaking free from using pre-packaged foods overwhelming you? (See page 57)
☑ Do you find yourself frustrated with the challenge of making your frugal meals flavorful and healthy? (See page 53)
☑ Is the time crunch keeping you from cooking from scratch, couponing, and planning? (See page 66)
☑ Do you struggle with feeling overwhelmed and depressed over the challenges the economy is bringing to your family? (See page 5)

All of these questions (and more) are answered in Joyful Mommas Guide to Shopping & Cooking Frugally. I wrote most of this book based on real life questions Ive gotten on Twitter, Facebook, and email about saving money at the grocery store, so it is geared towards answering real world questions.



The Walgreens Drugstore Game: Strategies to Turn Pocket Change into Thousands of Dollars' Worth of Free Products
http://www.amazon.com/dp/B00FLBV228/
4.4 out of 5 stars (12 customer reviews)

This is the Book Walgreens Prefers You Wouldnt Read
For less than the cost of one razor (which you will score for free over and over again using the tactics in this book), learn how to legally walk out of Walgreens with lots of free products using their own currency: Register Rewards and Balance Rewards Points.



The Everyday Cookbook: A Healthy Cookbook with 130 Amazing Whole Food Recipes That are Easy on the Budget
http://www.amazon.com/gp/product/B00C89GS1Q
4.2 out of 5 stars (14 customer reviews)

In my family we are no strangers to stretching the dollar, living in an ex-Communist country that is still one of the poorest within the EU. We are always living paycheck to paycheck, so we find the cheapest ways possible to cook meals that will feed our family of five. Our favourite recipes are strongly influenced by traditional cuisine and contain a lot of simple, hearty foods. When I think about it, every meal in my house is a comfort food and is also cooked with the budget in mind.
The Everyday Cookbook: contains some great tips on cooking on a budget as well as 130 recipes for savory soups and stews, satisfying salads, hearty casseroles and delicious desserts.



Ultimate Spartan Budgeting and Minimalism: How to Save Money, Increase Productivity and Live Simply
http://www.amazon.com/dp/B00NQHE15O

Have you wanted to save money, but youre not sure how? This book is a hard hitting system to apply principles of the ancient Greeks to cut out anything thats wasteful and focus entirely on fulfilling your Master Plan, whether that involves getting out of debt or traveling the world.



The Hard Times Kitchen: Homestyle Recipes for a Small Budget
http://www.amazon.com/Hard-Times-Kitchen-Homestyle-Recipes-ebook...

Chock-full of homestyle recipes that are perfect for the budget-minded cook, These frugal, yet delicious recipes are prepared with just a handful of easy to find ingredients. More than 40 easy recipes including Beef & Butternut Squash Stew, and Pennsylvania Dutch Pot Pie - plus lots of tips helpful money-saving tips. With an emphasis on unprocessed foods, and simple, from-scratch cooking, The Hard Times Kitchen Homestyle Recipes on a Small Budget is sure to please both the experienced home cook and the beginner alike.



Couples Money - What Every Couple Should Know About Money and Relationships
http://www.amazon.com/gp/product/B005LXW7UW/
4.7 out of 5 stars (29 customer reviews)

Couples Money - What Every Couple Should Know About Money and Relationships is written by a married couple in the financial serives industry, Marlow and Chris Felton. They share their personal story of financial transformation and insights they have gained from thousands of couples they have worked with over the last 12 plus years.
Couples Money is an introspective look at a leading cause of divorce; money. Most couples think they are alone in their financial struggles and they have the stories to prove they are NOT! Marlow and Chris help couples get on the same page with easy to follow concepts and action steps they have personally seen work. They believe they have the cure for "financial cancer" that plagues many couples and share their stories to help save millions of relationships.



Zero Waste Minimalism & Homesteading Basics Box Set: Increase your Happiness by Reducing your Waste; How to Build a Life of Self Sufficiency
http://www.amazon.com/Zero-Waste-Minimalism-Homesteading-Basics-...

Youre about to discover how tolive life to the fullest without the burden of material possessions! Minimalism is a lifestyle that promotes self-reliance while encouraging individuals to enjoy every moment, indulge their passions, live debt-free and own all the basic necessities of comfortable and content living! In this book, youll learn of the first few steps towards a minimalistic lifestyle, eliminating waste in your life and living an intentional existence.



Find A Penny: A Financial Journey
http://www.amazon.com/Find-Penny-Financial-Donna-Sako-ebook/dp/B...

This book a journal of those personal experiences and the lessons learned. After reading a multitude of economic, financial, and professional books on investing, insurance, budgets, saving, and retirement, I realized nobody was showing the reality or results of what really may happen in life. This book is written to entertain and share ideas and information of what I found to be the best and worst of that advice.

Totally Free Deals
Starting a real estate business with partners - Need Advice
Added on : Wednesday September 24th 2014 05:00:07 PM
g: 0 Posted By: RailroadTrack
Views: 71 Replies: 5 I need some advice. I plan on going into business with two friends/co-workers, guys I trust. We plan on saving 20% to 25% for an $800K property with some buffer cash for any issues that arise, so $80K each. Once we buy a property, we plan on re-investing the profits in order to con This isn't going to be an overnight thing. We plan to save this over a three year period and purchase a property at that point. We want to establish an account where we can only withdraw funds if all three sign, and plan to have a business charter drafted by an attorney that covers situations like this so we don't end up having issues as business partners. I have some general questions, what do we need to get started? Do we need to start an LLC? What type of business account do we need to establish? We're obviously in the early stages of this and want to get over the hurdle of generating capital to get this started.

If it matters, we each have decent paying jobs. $80K-85K / year, none of us have kids, we're all late 20's, credit scores over 740, some debt (cars), two of us have mortgages, one in Hawaii and one in Virginia, both are being rented out and are near military installations.

I'm all ears, good and bad. What do you guys think and how do we get this started?
Discussion Deals
g: 0 Posted By: Gauss44
Views: 35 Replies: 0 It seems to me that every time a medical disaster strikes (SARS, Ebola, H1N1, etc.), there is almost always a technology race to follow. Companies competeto develop the best line of defense including drugs and equipment. The same is sometimes true of non-medical disasters. Of course, there have been many articles about this in the news lately that have got me thinking: Every couple years or so, there's a new technology race, where adispassionate, analytical investormight come up with a strategy to significantly profit of of the winning companies - and by investing in their stock, he would in a sense, be rewarding the heroes.

Of course, after a disaster the last thing most people want to think about is investing. But that could lead to less competition and more time to invest before stocks rise - an advantage to the cool minded well-focused investor. Next time a disaster strikes (so long as I survive it and have internet access), I'm going to brainstorm about which companies will do the rebuilding or fixing of the problem, and invest in them. Any thoughts? Have you tried this?
Discussion Deals
Yodlee IPO
Added on : Tuesday September 23rd 2014 06:00:10 AM
g: -1 Posted By: SinbadS
Views: 100 Replies: 1 Received the following message this morning. Is Yodlee a good investment?
Issuer: Yodlee, Inc.
Offering: Yodlee, Inc. Common Stock IPO
For offering tombstone information, please visit http://personal.fidelity.com/news/calendars.
Fidelity Brokerage Services LLC Member NYSE SIPC.
Investing Deals
Investing in Georgia (GA) Tax Deeds - anyone here doing it?
Added on : Monday September 22nd 2014 08:00:15 AM
g: 0 Posted By: me999
Views: 779 Replies: 15 Here in Georgia, buying a tax deed gives you a 20% interest (premium) in the first 12 months.
I've been doing a lot of research over the last 2 months and I don't see any downsides.
So why isn't everyone doing it? Clearly the return is greater and safer than any other investment out there.
Thoughts?
Investing Deals
Having insider knowledge about an impending bankruptcy.
Added on : Monday September 22nd 2014 07:00:11 AM
g: 0 Posted By: CowbellMaster
Views: 105 Replies: 6 Due to a convoluted set of circumstances, I may have knowledge about bankruptcy filings well before the general public. I've never tried to do anything with this information as it's not knowledge that's direct to me; it's more like my coworker's nanny's mom that works in some profession that would be privvy to this, and that information always travels back to me in a "hey guess what" format so I've always taken it with a grain of salt.

The last few tidbits of information were correct. Now I was just told about two large companies that most people have heard of that are in the beginning stages of planning to bk. My source tells me this will go down in early '15.

Questions:

1) Can I profit and if so, how?

2) If I did attempt to profit, is this illegal activity?

This question may be completely hypothetical.(but it's not)
Investing Deals
Starting Off Right
Added on : Saturday September 20th 2014 08:00:17 AM
g: 0 Posted By: wizwor
Views: 58 Replies: 0 My college senior will graduate next spring with no debt and a small savings account. He is a business/marketing major and spent the summer working for a market research firm. He is working for them one day per week now and will increase to two days next semester. He also telecommutes two nights a week. I think his prospects for employment upon graduation are very promising.

He has managed to save about $10k and is driving a new (last month), paid for (by me) car. He does not have a 401k where he works given his intern status. Under the circumstances, I think he should open an IRA. Given his current income, the IRA should probably be a Roth IRA. I would like some very specific advice to share with him about investing in a set it and forget it Roth IRA as a first step in planing for his financial security. I am not an account or an investor per se, but I think I can keep up if you guys type slowly.

thanks!
Investing Deals
Investing in Tax Deeds - anyone here doing it?
Added on : Friday September 19th 2014 08:00:14 AM
g: 0 Posted By: me999
Views: 79 Replies: 3 Here in Georgia, buying a tax deed gives you a 20% interest (premium) in the first 12 months.
I've been doing a lot of research over the last 2 months and I don't see any downsides.
So why isn't everyone doing it? Clearly the return is greater and safer than any other investment out there.
Thoughts?
Investing Deals
g: 0 Posted By: SegaRob
Views: 43 Replies: 0 Here is a list of NYS municipal bonds funds from BlackRock: http://www.blackrock.com/investing/products/product-list#categor...

They have similar funds for other states and national. The NY funds invest in bonds "exempt from federal income taxes (including the alternative minimum tax) and New York State and New York City personal income" which could be 40-50% for high-income earners. Currently, they are selling at 10% discount to net-asset value (NAV) which means you're paying 10% less than buying the bonds individually. I've looked into some of the underlying bonds and they seem to be trading at roughly 10% premium to par value so with the bond fund you're entering at roughly par value. The default rates are exceedingly low.

Over the last 10 years, when including dividends/distributions, these funds have performed similarly to S&P and Dow indexes: http://stockcharts.com/freecharts/perf.php?$INDU,SPY,MHN
The graph doesn't include taxes, so after taxes, the net gain is quite similar. At some points, the gains have far outpaced the stocks which might be in the cards for the near future if there's a correction in the stock market after the last few years of significant gains.

With the fed meeting tomorrow, I expect there might be a big spike up or down depending on the outcome. Despite the short-term volatility, I think long-term that the bonds will converge towards par-value and the fund will converge towards NAV which is essentially leads us to the same prices at present. Even without price/capital appreciation, the ~6% yield equivalent to 10% taxable yield is far better than any savings account at present or anytime in the near future. Depending on your thoughts about what the fed report might entail, you may prefer to invest now or after the meeting tomorrow when the dust settles.
Investing Deals
g: 0 Posted By: billrubin
Views: 108 Replies: 0 Got this in the mail today.

http://www.tdameritrade.com/yourgoals

Receive 60 days of free tradeswith a $2,000 deposit and

Get a cash
bonusof: When you open or roll over to a new account by 11/15/14 with: $1,500 $500,000 or more $1,000 $250,000‑$499,999 $500 $100,000‑$249,999 $200 $50,000‑$99,999 $50 $10,000‑$49,999

Plus receive a $150 transfer fee rebate with a minimum transfer of$10,000.*

New IRAs using the Amerivest service require a minimum deposit of $25,000andare not eligible to receive free trades. TDAmeritrade chargesnocommissions for all eligible transactions in TDAmeritrade InvestingAccountsusing the Amerivestservice.

Fine print:

*Offer valid for one new Individual, Joint, IRA account or a new account using the Amerivest service. New accounts funded with $2,000 or more are eligible for free trades. Accounts using the Amerivest service require a minimum funding of $25,000 and are not eligible to receive the free trades. Once the new account using the Amerivest service is opened, please contact Amerivest at 888-310-7921 to have your account registered for the offer. TD Ameritrade accounts must be registered for the offer by 12/31/14(this date is dynamic) and funded within 180 days. To receive $50 bonus, account must be funded with $10,000 or more within 180 days of account opening. To receive the $200 bonus, account must be funded with $50,000 or more within 180 days of account opening. To receive the $500 bonus, account must be funded with $100,000 or more within 180 days of account opening. To receive the $1,000 bonus, account must be funded with $250,000 or more within 180 days of account opening. To receive the $1,500 bonus, account must be funded with $500,000 or more within 180 days of account opening. Transfer fee refund of $150 requires a $10,000 transfer within 180 days of account opening. Please allow 3-4 weeks from account funding for the cash bonus and/or transfer fee rebate to post to your account. Offer is not transferable and not valid with internal transfers, TD Ameritrade Institutional accounts, or with other offers. Qualified commission-free Internet equity, ETF or options orders will be limited to a maximum of 500 and must execute within 60 days of new account funding. Contract, exercise, and assignment fees still apply. Limit one offer per client. Account value of the qualifying account must remain equal to, or greater than, the value after the net deposit was made (minus any losses due to trading or market volatility or margin debit balances) for 12 months, or TD Ameritrade may charge the account for the cost of the offer at its sole discretion. TD Ameritrade reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Taxes related to TD Ameritrade offers are your responsibility. Promotional items and cash received during the calendar year will be included on your consolidated Form 1099. Please consult a legal or tax advisor for the most recent changes to the U.S. tax code and for rollover eligibility rules. New account offer code: 715.
Investing Deals
Stocks and choosing them wisely.
Added on : Wednesday September 10th 2014 04:00:18 AM
g: 0 Posted By: raymondanthony
Views: 92 Replies: 2 I used to use Morningstar for helping with stock picks but I was wondering what everyone else uses. I like the idea of analysts noting if it is a strong buy or strong sell stock.
Investing Deals
Stock Market Sites
Added on : Wednesday September 10th 2014 03:00:08 AM
g: 0 Posted By: raymondanthony
Views: 35 Replies: 0 I used Morningstar for years and really liked the Analyst pick section which would breakdown wether the stock was a buy/hold/sell stock. I am curious what other sites people use to help research stocks. Any help would be appreciate. Thanks in advance
Investing Deals
Saving after maxing 401k and Roth IRA
Added on : Monday September 08th 2014 06:00:11 AM
g: 0 Posted By: Solomon960
Views: 84 Replies: 0 Fellow Fatwalleters, I am in need of investment advice.

Due to good fortune in 2014, my earned income will double this year vs. 2013. I am forever concerned about my retirement - especially since I won't retire for at least thirty more years (I am 32) - therefore, I contribute the highest percentage I can into my two 401ks and contribute the maximum annually into my Roth IRA. In addition to those accounts, I am curious what other options I should consider to (1) ensure a stable income when I can no longer physically work and (2) reduce my tax burden (both now and in the future).

I have a deferred annuity (non-qualified), which doesn't go up in value beyond 2% annually but can be added to at-will and a small paid up whole life policy. I have no debt or dependents. Currently, my excess funds are in a brokerage account invested in ORC and SFTBY, which are both performing better than the market.

My primary employment is with the Air National Guard while serving as a temporary civil technician. I am pursuing a permanent opportunity in Texas, whose cost-of-living will further aid my quest to reduce living expenses so I may contribute more to my retirement (plus I enjoyed my time in TX during my military technical training).

Thank you, in advance, for your guidance.
Investing Deals
Catastrophic Roth IRA losses - 2 questions
Added on : Thursday September 04th 2014 11:00:07 AM
g: 9 Posted By: IStillPickUpPennies
Views: 221 Replies: 9 I'm in my early 40's and recently lost virtually 100% of my investments in what was a rollercoaster ride over the past year. I invested in AAMRQ/AAL back in October of last year, and watched the bit of money I socked away each year over the past 15+ years pretty much triple from the company's recovery from bankruptcy and merger. I followed that up with another increase by investing in AAL long term call options, which brought me up to about a quadruple of last year's savings. Afterwards, in June I sold my AAL and diversified into 5 different stocks for more peace of mind. However, I second guessed myself when earnings was coming in July, figuring that the stock would beat expectations and I would get a nice bounce on short term options. Although the stock DID beat earnings expectations, plus also announced a dividend for the first time in decades, evidently the average investor expected more, and the options plummeted in value when we were on vacation. When I got back, the options were worth about 15% of what I paid for them. I held on, hoping the stock would recover, but the options ended up expiring as worthless in the end.

I'm left with about $150 in my Roth IRA, though I had over $100,000 in there back in June. I also had about $45k in taxable accounts that mirrored my Roth IRA, and 100% of that is gone as well. Thankfully, we still have about $7k in an emergency fund, and the kids have "future funds" that were not invested in options, so did not incur losses. Anyway, as far as retirement accounts and free cash, we are about wiped out. I am left with 2 questions:

1) When you have lost 100% of the $ in your Roth IRA, does the government allow for any sort of catch up investing so you can make up for the catastrophic loss? I've been a stay at home dad until recently (we lived off of 1 income), but my youngest child is now finally in school all day, and I can get back to the work force. I'm wondering if I could get a job and sock away 100% of my earnings for the next couple of decades to rebuild our retirement savings. I'm hoping that I am not limited to the roughly $5k a year, because at that rate, it would take me 22 years to be able to rebuild this thing to where I was in early July.

2) I've heard that there may actually be a way to use tax losses in a Roth IRA in such a situation, if I close the Roth IRA account. However, I believe that I read that this would require figuring out the original tax basis. This would be quite difficult, because I used 3 or 4 different brokerages over the past 15+ years, and I only have records from the past ~6 years or so. (none from the old accounts that were closed long ago, when I was making my original contributions) I'm not sure for the life of me how I would be able to figure out a fair tax basis for the Roth IRA, given that my contributions were sporadic over the years, and that the old accounts have been closed for years and years. Considering that, would it even be worth closing the account and trying to have some sort of tax gain out of it?

Thanks so much for any suggestions

Investing Deals
QuitClaim Deed
Added on : Thursday September 04th 2014 05:00:08 AM
g: 0 Posted By: agawam
Views: 1124 Replies: 0 What are the benefits of using a QuitClaim Deed on a home when going through a divorce?.
Investing Deals
Taxable investing
Added on : Wednesday September 03rd 2014 03:00:05 AM
g: 0 Posted By: TheDragonn
Views: 36 Replies: 0 FWF -

I've finally hit the level where I've minimized debt and maximized tax-sheltered savings options. Where would you recommend commencing the taxable investing? We are talking either high three figures or low four figures per month into a taxable investment account.

I'm not yet at a level where I could buy a rental property (though that is hopefully in the cards long-term) so I am thinking Vanguard for now. VTSAX? Other tickers? Lending club? FWIW, I don't need these dollars for a long time and I'm just trying to set up a comfy future. I already have short-term funds earmarked for short-term purchases (car, e-fund, etc.).

Hit me with some ideas! Thanks [also, in before H&B / put it all on black / put it all on red / buy a crown vic fleet / bitcoinz etc]
Exchange Traded Fund (ETF) discussion
Added on : Tuesday September 02nd 2014 11:00:11 AM
g: 0 Posted By: SeattleNative
Views: 86 Replies: 0 There is a FW discussion thread for individual stocks. May we start a discussion thread for exchange-traded funds (ETFs)?
Investing Deals
Coming into money, need investment advice
Added on : Monday September 01st 2014 04:00:05 PM
g: 1 Posted By: arilin
Views: 86 Replies: 2 I will be inheriting a large sum of cash (2 million), and I need some serious advice on how to invest/what to do. I've been living a very frugal lifestyle, I currently rent a small apt at 2400/mo -- household income will probably be around 200k-250k in the next 4 years. I'm an engineer in SF area...always held off on buying a house because I think prices are crazy.

I really want to just protect the investment...not do anything risky any advice on how to invest? I'm thinking to just have it sit in a bank account for at least a year before doing anything with it (this was advice I got).

Goal is to have flexibility in what I work on in the future. Any advice would be great, please serious advice.

EDIT: more details -- definitely living on low expenses. no kids, but want 1-2 in a year or two. Current net worth, 1M (with 1 rental property).

In b4 "H&B"
in b4 "donate to me"
Investing Deals
looking to get into real estate investing in the Southwest
Added on : Thursday August 28th 2014 08:00:05 PM
g: 0 Posted By: nwill002
Views: 35 Replies: 0 I am interested in doing a <100K real estate investment and am beginning to research the rental markets of SoCal, Vegas, and Phoenix areas. I know this is ground zero of where cash investors ran in after the crash which inflated the market and put more rental inventory up but its where I live. I prefer SoCal as thats whats closest to me and where I feel is a more stable market. However inventory in my price range is scarce which is why I'm considering Vegas and Phoenix.
So I would like to get other people's opinions of the rental market in this region. I am not looking for a quick flip but more looking for a stable rental market.
Thanks
Real Estate Deals
Strategy to invest extra cash after essentials are done?
Added on : Wednesday August 27th 2014 01:00:44 PM
g: 0 Posted By: sailwind
Views: 77 Replies: 1 Thanks to the board suggestions, I've got most of my financial planning done: 1 year of rainy day fund, 401k maxed yearly, some iBonds, no loans except for mortgage. Now I have some extra funds sitting in a savings account earning a paltry 0.70%.

What's a good strategy for investing these extra liquid funds? Retirement choices is easy in comparison, since the long horizon make vanguard index funds a straightforward selection. For these shorter term investments, other than laddering CDs what else do you guys do?


Question Deals
reviews of mutual fund broker managed
Added on : Tuesday August 26th 2014 06:00:42 AM
g: 0 Posted By: mephrules
Views: 27 Replies: 1 just looking for investing opinions...
currently have approx 15k in a brokerage my parents set up for me when i was born.
it has amecx & cwgix - split 50/50
from googling both funds are rated highly but have high load fees of 5.75%
and the brokerage charges me $100 on top.
performance has been greet and nice 500$ dividends a year but i was thinking about taking the money and managing myself in no load mutual funds
thoughts?
Investing Deals
Rollover (correction Transfer) of Qualified Account to Roth
Added on : Sunday August 24th 2014 04:00:28 PM
g: 0 Posted By: agawam
Views: 172 Replies: 0 Correction -- Instead of using the term Rollover, I should have referred to this as a Transfer since the funds from my VC account will be transferred directly to the Roth and the TSP accounts. No distribution will be paid directly to me.

As Civil Service Retirement System (CSRS) government employee, I am able to contribute up to 10% of my lifetime government earnings to date into a qualified Voluntary Contributions (VC) account (this is not an option for FERS government employees). The after-tax contributions that I place in this account will earn interest until I initiate a one-time Transfer of my contributions to a Roth account and the earnings to my Thrift account. The latest I can complete this Transfer is when I retire (before age 59 1/2). How do I reflect this on my 1040? on the 'pensions and annuities' line or the 'IRA distributions' line? Also, I'm assuming I wouldn't need to fill out form 8606. Thanks!
Investing Deals
Question about Cost Basis Method for Mutual Funds at Charles Schwab
Added on : Sunday August 24th 2014 03:00:38 PM
g: 0 Posted By: FutureDilemma
Views: 17 Replies: 0 In my Charles Schwab brokerage account online, on the Cost Basis Method tab under Account Settings, I see the following words under the Mutual Funds column: "Uses Account Default". What does this mean? One CSR thought that it meant the Average Cost Basis method would be used for mutual funds since that is the default for mutual funds. Another interpreted it to mean that the Tax Lot Optimizer method would be used for mutual funds since that is what is listed under the previous column that has the heading Account Default. To make things more confusing, when I try to sell a mutual fund, it takes me to the confirmation page without mentioning which cost basis method would be used.

Anyone here know what the correct interpretation is and which method will actually be used for those settings?
Investing Deals
Rollover of Qualified Account to Roth
Added on : Sunday August 24th 2014 01:00:19 PM
g: 0 Posted By: agawam
Views: 69 Replies: 0 As Civil Service Retirement System (CSRS) government employee, I am able to contribute up to 10% of my lifetime government earnings to date into a qualified Voluntary Contributions (VC) account (this is not an option for FERS government employees). The after-tax contributions that I place in this account will earn interest until I initiate a one-time rollover of my contributions to a Roth account and the earnings to my Thrift account. The latest I can complete this rollover is when I retire (before age 59 1/2). How do I reflect this on my 1040? on the 'pensions and annuities' line or the 'IRA distributions' line? Also, I'm assuming I wouldn't need to fill out form 8606. Thanks!
Investing Deals
Self Directed IRA To Invest In Local Entrepeneur You Advise? Legal?
Added on : Friday August 22nd 2014 05:00:33 PM
g: 0 Posted By: robronson
Views: 93 Replies: 1 I understand self-directed IRAs are not allowed to be used to do things you can control, such as invest in a business you manage or a buy a house you rent to yourself.

What if you paired up with a local entrepreneur, who you're advising and helping get started, and invested in his business through your self directed IRA? You technically wouldn't have legal control over what he did with the money, but you are serving as an adviser. Maybe not an adviser on paper but he will go to you on a regular basis for advise on how to run the business and perhaps to ask for more money if he needs additional capital, which you can also invest from your IRA.

This seems like a reasonably legit way to set up a business that you don't personally run, but is based on your ideas, and has been vetted by you to have a strong chance of success, and also get tax-free returns by investing from your Roth IRA. While most businesses are unsuccessful, the very few that are successful get returns extremely high. I could envision getting a 10x return over one or two years with the right business.
Question Deals
Help with small company 401K.
Added on : Thursday August 21st 2014 09:00:08 AM
g: 0 Posted By: jcb193
Views: 146 Replies: 0 I'll try to keep this simple.
We have a small father and son business.
- One full time employee- $35,000 a year
- Father and Son make about $500,000 in gross commissions a year, which comes out to about $300,000 a year in salary after expenses.
- Mother also works for salary in business (full time). ~$20,000
- I could also make wife an employee if this is advantageous too, as she works in the business as well (part time).
- Son and son's wife currently make max contribution to ROTH/Trad IRA every year.

I'd like to setup a company 401K-style plan, but wondering what is the most optimal setup, as I don't want to give my full time employee a ton of match, as it's money out of my pocket. Father and Son would like to sock as much away as possible.

From what I can gather, these are my two options:~~Sep IRA:
We can give up to 25% of our income (up to 50k). Nothing to employees. No costs.
No addition roth/tradition ira.401k:
We can give 100% of compensation (up to 50k). Have to give employees (2-5%) off the top (of their salaries).
Administrative costs ~$1200
Can also do a roth/tradition in addition
Investing Deals
g: -1 Posted By: pj737
Views: 197 Replies: 13 The point of this ridiculously long-winded analysis is to determine the true cost to OPERATE (not own) an average-priced vehicle with average depreciation (per mile driven) and average fuel efficiency. Long story short, I did this analysis to convince my best friend to not buy a home in the suburbs... he is looking to buy a home that's about 30 miles from his place of employment. His wife also commutes into town for work. He owns a 2011 Toyota Tacoma and she drives a 2010 Lexus ES - they own them F&C. Between both cars, they average about 20 mpg. I'm trying to convince him to buy in town or close to town to cut his commute to <5 miles. However, the home that's 30 miles away is about $200K less for essentially the exact same size home in town (safety/crime is similar in both areas); the home in town is older but is in move in condition. He can afford the $200K price difference based on his earnings. Their daughter also attends private school in town so there is no benefit from a school district perspective. The commute time if they lived in town is <10 minutes each way. The suburbs is 75 minutes in each direction and that's with no stalled vehicles or accidents.

Most of the blogs I've read online (and I've forwarded to him) that argue the insane cost of commuting take into consideration the operating cost AND ownership costs into one figure. In addition to depreciation due to mileage put on the car, fuel, maintenance, etc, they would also factor in things like financing, depreciation due to vehicle age, parking, registration, motor vehicle taxes, etc and then come to a general cost per mile of ownership based on X miles driven (typically it's 15,000 miles). Those numbers vary but generally come in at about 61 cents/mile. Obviously, that number is seriously flawed if you only want to know what it costs to operate that vehicle and drive it X miles. I believe it's impractical for most people to not own a car; knowing what it costs to own it is one thing... but understanding what it costs to pull it out of the driveway and drive it X miles is critical when making decisions about investing in a home many miles away from ones' place of employment.

For sake of argument this applies to those that MUST own a car simply because they don't want to rely on bicycles, mopeds, motorcycles or any form of public transportation to commute. This applies to those that are looking at the true financial costs of commuting longer distances to work/entertainment/etc as a trade off to having lower cost housing in the suburbs/"commuter" neighborhoods.

The first consideration is depreciation... and not the kind of depreciation due to your car getting old but rather depreciation due to miles being put on the car itself. First, we need to determine the cost of an "average" car... and that comes to $31,800 as of last year. I specifically searched on KBB the resale value of cars including Toyota, Ford, Honda, Lexus, Kia and GM that were close to the $31,800 in value as new in 2013. The zipcode entered into the KBB site is in Los Angeles. For sake of ascertaining an accurate depreciation per mile we will use the "baseline" mileage at 3,000/miles per year (i.e. this is the minimum mileage I'm assuming anyone that owns a car will drive and all costs incurred per mile in this analysis are over the 3,000 mile baseline). I used 2011 model year cars for examples on each one; this would mean the car was on the road for roughly 4 years on average. I used 12 different models from 6 different makes all priced (today) at around $32K new. I inputted 3K, 8K, 10K, 12K, 14K, 16K, 18K, 20K, 22K and 24K miles and recorded the difference in value for each. Drivers that put only 3 - 8K miles year only depreciated by 8.1 cents per mile over 3,000 miles. I found that the mileage depreciation between 8,000-12,000 miles averaged about 10.6 cents/mile but when we jumped from 12,000 miles to 16,000 miles the extra 4,000 miles a year cost the owner 11.8 cents/mile hit on value ($472 depreciation). Between 15,000 and 18,000 it jumped up to 12.7 cents/mile average. Over 18,000 miles/year the cost per mile plateaued and was fairly linear in the mid 12-cent/mile range through 24,000 miles. A very conservative average between all the cars and all mileage ranges came in at about 11.4 cents so we will use this figure as the true depreciation per mile driven for all cars that have at least 3,000 miles a year being put on them. Note that older economy cars will realize depreciation rates as low as 7 cents/mile... However the same can be said on the upside where newer luxury cars will see an average 15-22 cent/mile depreciation (I tried to input some luxury cars as well that were priced at $50-$60K). I think 11.4 cents mile is on the low side but let's stick with that for the purpose of this analysis. COST OF DEPRECIATION PER MILE DRIVEN FOR CARS THAT TRAVEL MORE THAN 3,000 MILES ANNUALLY - 11.4 cents

Fuel - yes, I know you can buy a Prius that gets significantly better mpg than an average vehicle but there are many vehicles that get more than 20-30% lower mpg than the average car. I owned a Prius and only averaged 37 mpg which is no where near the EPA estimate of 50. So one needs to consider the TRUE mpg to ascertain the cost per mile in fuel consumption The average car gets 24.9 mpg and this is based on EPA estimates; in reality people will be putting well over a gallon of gas in to travel 24.9 miles. In fact, sitting in slow-moving bumper-to-bumper traffic kills EPA estimates by a good margin. But to stay conservative, we'll use that figure 24.9 figure. 24.9 mpg translates to 15.1 cents per mile at $3.77/gallon (national average). I pay over $4.35 for fuel where I live but again, averages trump real world for the sake of argument. COST OF FUEL PER MILE - 15.1 cents

Average maintenance cost for a vehicle is roughly 5.3 cents/mile. There are countless studies that break this data down and this is simply an average. It varies from as low as 4.1 cents to as high as 6.8 cents with the most common coming in at about 5.2-5.5 cents. This includes tire replacement, wiper replacement, oil changes, filter changes, wear and tear/maintenance of vehicle components, etc. COST OF MAINTENANCE PER MILE - 5.3 cents

Insurance costs are slightly lower for those that commute less. There are insurance companies that base their rates on miles driven and others that give discounts for those that put a relatively low number of miles on their cars. I had to check with my Allstate provider to see if there would be a difference and it was small... an increase of about $85/year if I doubled my mileage from my current 6,500 to 13,000 (I felt a little ripped off when I was told this). Based on that information, I would assume it's safe to say that one could save at least $85/year on premiums if they cut their commute by 6,500 miles. This translates to 1.3 cents/mile in hard costs. COST OF INSURANCE FOR MILES DRIVEN - 1.3 cents

Driving infractions/tickets/etc... Now this one is a tough one. Obviously the more you drive the more likely you are to be pulled over and be ticketed. While some people have never received a ticket in their lives others get tickets every year. According to national law enforcement statistics, of the 195 million licensed drivers on the road in the US, 41 million of them are getting ticketed every year on average. That's roughly a 1 in 5 chance of getting a ticket every year. The average cost of a ticket is $155. Insurance rates increase an average of $320/year based on one speeding ticket going 15 miles over the speed limit. So if there is a 1 in 5 chance you'll get a speeding ticket in a year and that cost will run you $475 that translates to an "average" of $95/year on speeding infraction costs. If the average driver traverses 13,476/miles of roadway in a year that translates to 0.7 cents mile for infractions and this means getting a ticket only once every 5 years... which I could imagine is pretty low and conservative. COST PER MILE FOR TICKETS FOR DRIVING INFRACTIONS - 0.7 cents

Accidents - here is another tough one. Personal costs of injury and property damage are extremely hard to average as they can vary by a huge margin. Especially because some people can go decades without a single incident. The car industry purports that the average driver only gets into a "significant" car accident every 17.9 years or roughly 3.5 times in a lifetime. The average cost of these accidents is $23,450 of which only a small portion (assuming you're insured) comes from the driver's pocket. Assuming deductible costs, time lost, personal injury, repairs/rental not covered by insurance, etc, we'll very conservatively peg this cost at $1,000/per "significant" accident as a direct cost to the driver.That's $3,500 over a lifetime. Over 843,600 miles (what the average person drives over a lifetime), that comes to 0.4 cents/mile. Again this is a very low figure and does not take into account countless minor fender benders which can easily cost several hundreds up to a couple thousand to repair especially if you didn't want to report this to insurance in fear your rates will go up. COST PER MILE FOR ACCIDENTS - 0.4 cents

Toll roads - Depending on where you live and work, toll roads can easily add 5-10 cents/mile on to your commute... possibly much more. However, this isn't applicable everywhere (we have no toll roads in my state) so I am leaving this one out of the equation. If you live in an area that requires you to traverse toll roads you'll have to include this in your calculations.

Total cost to OPERATE a vehicle PER MILE (over 3,000 miles/year) not including toll roads - 34.2 cents per mile.

The point of getting this average is so people can better calculate their finances should they decide to live in a commuter city/neighborhood or suburb vs living in or near the urban core. One could point out that you could save much more if you don't buy a car at all. That's very true. The 34.2 cents/mile operating cost is only about half the cost of total ownership and operations but this is the cost of the mileage applied to a car you already own and need. Note that if you own a newer luxury model that gets not-so-stellar fuel efficiency, the 34.2 cents/mile can easily exceed 50 cents/mile on operating costs only. To be fair, I did an analysis on an older (12 years old) more fuel efficient economy car (35 mpg) with an original purchase price of $20,000 and the cost to operate dropped to a low of 21 cents/mile. But this is an extreme example on the low end and not realistic for most. I think most people that can afford to buy a home will own cars that are at least "average" priced and aged.

Now that I know what it costs to take the average car one mile on the road, I wanted to see just how this impacts housing prices and rents. To be fair, the overwhelming amount of people that live in town also commute shorter distances to entertainment venues, restaurants, places of interest, etc etc. So if there are 241 work days in a year it's fair to add another 52 days of commuting into town per year (that's one extra drive into town PER WEEK, which is very conservative, in my opinion). That means 293 days of commuting into town for the average person (driving into town an average of 5.6 times/week). If that average person lives 30 miles from town, that's 293 days x 30 miles x 2 trips = 17,580 miles. If one lived in town, and had a 5 mile commute, this comes to 293 days x 5 miles x 2 trips = 2,930 miles. So while the person living 30 miles from work is commuting 12,050 MORE miles every year (work commute only) than the person that lives 5 miles from work, they are also driving an additional 2,600 miles year because of their proximity to places they need to drive to that are outside of their place of employment. So for every individual mile one lives further from work (2 mile round trip commute) it translates into $200.41/year in direct costs for ONE car (293 days x 1 mile x 2 trips x 34.2 cents = $200.41/year). If it's two cars commuting (which is more common in households these days), you are looking at double that or $400.82/year.

$1,000 in mortgage costs @ 4.5% amortized over 30 years is $4.21/mo or $50.52/year. So for every one mile you live further from work/play, this translates into $3,966 in additional home purchase price you can afford or $16.70 in additional rent you could afford. If you have two cars making the same commute, double that to $7,934 in home value or $33.40 in rent for every single mile you live further from work. Many people in my place of employment chose to live ~30 miles or more away where housing is cheaper. If the difference from my 5-mile commute is 25 miles traveled (50 miles/day), it comes to $99,150 in mortgage and $835/mo in rent. and you'll have to double that to $198,300 in additional mortgage they could afford and $1,670/mo in additional rent they could afford if they had a two-car household. This does not even consider that of your mortgage payment roughly 1/3 of the payment goes back to your pocket in principal payments (i.e. forced savings) and the other 2/3 of the mortgage payment is (at least for now) 100% tax deductible. Arguably, if you look at the bottom line (forced savings + tax deduction benefit assuming a conservative 30% state and fed combined tax rate), each mile you live further from work translates to roughly $7,100 in additional mortgage payments one could afford for each and every car attached to that home that makes that work commute. All while your mortgage is fixed and your car's operating costs continue to increase over the years. Assuming the above assumptions are accurate, living 10 miles closer to your job can allow you to afford $71K more in a house purchase and that's just with one car. Double that for a two-car commuting family and quadruple it to $284K for the same family living 20 miles from work.

These numbers are absolutely staggering to me and I can't help but think my math and/or assumptions are off somewhere. But it definitely enforces my argument that my friend should buy in town. For those that managed to make it through all this, please chime in and offer any corrections to my reasoning. Yes, I understand there are many assumptions made here but again, the purpose of this post is to get an average figure most people can relate to. I think very few people actually consider the real cost of driving and they end up making mistakes by either buying or renting far distances from their place of employment and other desired activities because they assume they are saving money by doing so. This analysis only takes into account the direct financial costs of driving longer distances... it doesn't take into account the plethora of other considerations (which I find vastly more important) like compromised health and well-being, increased stress, quality time away from family/friends/gym/activities/alone time/relaxing/sleep, etc etc. Sitting in traffic for hours on end every day is a huge quality of life issue for me personally, money aside. If the 30 mile commute was FREE, I would still pay the $200K difference.
Discussion Deals
Tax treatment of Canadian trust investment
Added on : Thursday August 14th 2014 02:00:06 PM
g: 0 Posted By: Solomon960
Views: 36 Replies: 0 I am interested in investing in PLT.UN, a Canadianunincorporated open-ended limited purpose trust. As a U.S. investor, what tax consequences will I incur from such a transaction? Are foreign trusts treated the same as foreign corporation (that is, will I only be subject to foreign taxes on dividends and long- and short-term capital gains)?

Thank you.
Question Deals
Best Budget Brokerage?
Added on : Thursday August 14th 2014 10:00:14 AM
g: 0 Posted By: caveman017
Views: 42 Replies: 0 Been using Options House and Trade King but am thinking of consolidating down to one. I (at the moment) just trade stocks on occasion with about $15k of "play" money (money I can afford to lose), although am thinking of putting cash into a money market account. All mutual fund transactions are through Vanguard where my IRA's are held as well.

I only hold about $3k in stocks at the moment as I cashed out of my short term gains a few months back and haven't been following the market much as I've got a new job. I don't think either of these offer money markets funds, do they?
Investing Deals
Investing in Land Banking like Walton International?
Added on : Monday August 11th 2014 09:00:06 PM
g: 0 Posted By: RagingBull
Views: 17 Replies: 0 Has anyone here ever invested in landbanking or done any deals with Walton International? Some people claim they can bring in 5% annualized returns and and sometimes more and basically you are sitting on land they buy until it sells
Investing Deals
How to learn about investing?
Added on : Monday August 11th 2014 01:00:08 PM
g: 0 Posted By: LrngTree
Views: 63 Replies: 2 Could you suggest any books to start learning about investing and/or money management?Nothing too complex...how to get started. Thus far, I'm working to be debt free, but would like to prepare for thenext step of making my money work for me.Thank you in advance,wise Fat Walleters. (I hope Idon't get ripped apart for asking such a basic question.... I've got to start somewhere! )

New User Question Deals
g: 0 Posted By: ctgolfer
Views: 69 Replies: 0 As one of the world's largest online retailers of Gold, Silver, Platinum and Palladium, APMEX is a trusted source for purchasing Precious Metals. For more than 10 years, we have been helping individuals and families in protecting their hard-earned assets and increasing their wealth by investing in physical Gold, Silver, Platinum and Palladium. APMEX provides timely information and education about the Precious Metals market and offers a vast selection of premium quality products at highly competitive prices with best-in-class service. Shop our eBay store today and experience why 96% of our customers would recommend APMEX.

www.ebay.com/itm/10-oz-Johnson-Matthey-Silver-Bar-JM-Logo-Revers...
Best Emerging Markets and U.S. Total Income Bond ETFs?
Added on : Saturday August 02nd 2014 03:00:06 PM
g: 0 Posted By: BrunoB
Views: 73 Replies: 0 I have zeroed in on EMCD for Emerging Markets and XOVR for U.S. Income Bond ETFs. Any ideas or pros and cons suggestions?
Investing Deals
looking for a specific VC investment
Added on : Friday August 01st 2014 11:00:08 AM
g: 0 Posted By: psychtobe
Views: 97 Replies: 1 I have an idea about an invention which I think will be very successful, however I'm sure there are companies working on this in the early stages of development.

I want to invest in this idea, speculative as it may be.

How do I go about finding companies or VC firms which are investing in this area?

I know there are some FWFers with experience in VC so appreciate any input.

If it matters, the specific area is the intersection between robotics, nursing care, geriatric medicine, and demographics.
Investing Deals
Retracted stock option grant in latest review
Added on : Thursday July 31st 2014 07:00:13 PM
g: 0 Posted By: ihaslittledolla
Views: 76 Replies: 0 In my most recent review, I was granted an additional x number of shares. Before the board meeting where this could be approved, an offer was put on the table to acquire the company. Now the company wants me to sign a letter agreeing to give up those shares as it is "not in the best interest of the company and its stockholders". The way it's been explained to me is that once the offer was on the table, the company has a different valuation. Hence, the strike price of the shares goes up to the same amount of the offer on the table. Hence, it would be of no gain to me since the price for me to acquire it would be the same price the shares would sell at.

Instead, they want me to sign a release agreement agreeing to give up those shares and they claim that in the retention package, this has been factored in and the retention package is now higher (presumably) as a result. I have no way to verify this portion other than to trust them.

Is this a valid thing (ie. legal) for the company to do? And if so, should I go ahead and sign? Has anyone experienced this and can share what happened?
Investing Deals
g: 0 Posted By: jaytrader
Views: 226 Replies: 3 http://money.cnn.com/2014/07/29/pf/debt-collections/index.html?i...
cnn money said: An estimated 1 in 3 adults with a credit history -- or 77 million people -- are so far behind on some of their debt payments that their account has been put "in collections."

That's a key finding from a new Urban Institute study.

It examined non-mortgage debt, including credit card bills, car loans, medical bills, child support payments and even parking tickets.
...
The debt in collections ranged from as little as $25 to a whopping $125,000. But the average amount owed was $5,200.
...
Among the states,Nevadahad the highest percentage of residents with debt in collections -- 47% - as well as the highest average amount owed - $7,198. That was helped in part by the Las Vegas metro area, where 49% of residents had debt in collections.
...
The study, conducted with Encore Capital Group, is based on a random sample of 7 million people's TransUnion credit files in 2013.

Damn, we got issues, son! Basically, according to the article*, every other person that lives in Vegas has a collections account or accounts. That is mind-boggling. I bet that doesn't include the money they owe to loan sharks, either.

*sample of 7 million TU files.
Discussion Deals
Request for long term financial guidance for my retiring mother
Added on : Monday July 28th 2014 02:00:10 PM
g: 0 Posted By: Dell4600
Views: 46 Replies: 0 Hi guys, yet another post where one of us bares all (or bares enough to ask the question) and asks for financial guidance and advice.
My mother called me this weekend to lay out her current situation, asked if I was 'good at investing' and could help her. Well given that my portfolio is down about $14,000 in the last five days I can definitively say I'm not good at investing, but as a long term member of this board I know quite a few people that are

Her current situation:
Age 67. Divorced 40+ years ago, never remarried.
Her mother recently died (which is what is driving her to reconsider her current financial situation), leaving her a small inheritance. On the order of $50,000 already received, with another $100,000 to $200,000 still being sorted out.
She bought a smaller 2 bedroom condo in Chandler, AZ about 13 years ago (before the bubble), paid about $60k for it. In the time since then it doubled in value, then dropped again like everyone else's. She recently paid it off with the initial proceeds of her inheritance. She hasn't kept it current and modern and it sounds like it needs a little work, but we didn't get into details. In her mind it would sell for $35,000 to $40,000, but according to Zillow and Trulia it's worth right at $90,000.
Still working at the same job she's been working at forever (dozen years or more), recent pay raise to about $15 / hour. Raises haven't been plentiful nor numerous, and she said that over the past ten years she's been averaging between $24,000 and $28,000 per year income. I include this information to help with the Social Security calculations.

Needless to say, she's risk averse, and doesn't have the means to replace her inheritance if it vanishes. One of her concerns is that she leave me something when she eventually passes (insurance policy), but I am doing ok for myself and would rather she live a fuller life.

I asked her about the possibility of having a studious college age young woman share her condo (ie, roommate situation, not sure that's the right term when you rent to a college age kid), but she is very much against that idea.

-=-

Some of my math:
Condo breakdown : PITI - PI = ~$400 / month. Taxes = ~$40 / month. Condo fees : $170 / month. Since the condo just got paid off the $400 / month is no longer, but I mention it for baselining historical expenses vs income.

Her monthly take home has been somewhere in the $2,000 / month range, which defines her monthly outlay. She was paying all her bills from that, has no debt, but no real savings either. Thus I estimate her monthly was roughly $1900 / month including the condo $400 / month, meaning she could continue her current standard of living on roughly $1500 / month, not indexed for inflation.

Given that her mother just died, if her mother was 87'ish, I would estimate her savings would need to last her 20 years (plus or minus).

She's of the age to go onto Social Security without the 'retire early' penalties. I used the quick SS estimator to ballpark her monthly SS benefits at approximately $1150 / month. Thus she needs another $350 / month to maintain her current lifestyle, but honestly she's been living it pretty spartan and I'd like to see her have a little more to enhance her life (ie, she may not run the air conditioner in order to save money, even in the Arizona summer.)

Options include :
- The Vanguard investment fund mentioned in the last post (someone in NYC asking what to do with $250,000), so her $150,000 +/- at 4% would yield $6,000 / year ($500 / month) in passive income pretty much forever without touching the principle. Is sufficient, actually, but doesn't index for inflation so she may run thin later on in life when groceries / gas / whatever gets more expensive.
- Reverse mortgage. Requesting ideas and discussion on this one, as I'm not familiar with it from a practical perspective beyond the commercials on TV.
- I considered buying her condo from her at a price somewhere between what she thinks what it is worth and current market value, let her live in it forever (she intends on leaving it to me in her will, but if it is still in her name when she gets to means tested assistance (medicade, etc) the will likely take it from her and she won't have anything to leave behind for me, one of her concerns.) If I buy it from her now, that money can go into her investment fund (returning 4% or whatever) to increase her standard of living for the long run, and when it is finally time for her to pass I will still own it, 10-20 years from now, as it was mine, not hers for the government to liquidate before they provide her with means tested assistance. I don't know how all that works (arms length transaction is the phrase that comes to mind, but if I buy it for fair market value we weren't trying to hide it or anything.) If I have the means to buy it from her (without ripping her off), please compare and contrast this vs Reverse mortgage.
- Annuities - I've heard the phrase used plenty of times but generally in a news piece about an elderly person getting scammed. Requesting some real guidance and experience here to keep that from happening to her.

Finally, she could keep working a few more years, but does that really buy her anything. In other words, if she postpones retiring / going on SS for another two years, will her SS benefits be more each month, or would she get the same as if she retired today (thus she can decide whether she wants to stop going to work today and between her SS and investment income still have enough to live on.) ARG!!! According to this (http://www.ssa.gov/retire2/whileworking.htm ) she could have started receiving full benefits a year ago (when she turned 66) regardless of her income from work. Double ARG!! - she can apply for it retroactively, but they only back-pay 6 months worth. ARG!!! - Any advice here?

Actually given that I know that, I'm going to get her to start the paperwork on her SS, get her back pay and she can augment her monthly income by that $1150 / month (she will feel rich!). I figure she will work another year or two (or as long as they let her keep coming, she's a trooper!) But what about after that...

In light of all that, please help me point her in the right direction.

Thanks much,
Dell4600
How to invest 250K to generate a regular income?
Added on : Monday July 28th 2014 12:00:07 PM
g: 1 Posted By: Oceanbeach11
Views: 108 Replies: 3 I am looking to invest 250K cash I have sitting on my brokerage account to generate a monthly income if possible. I used to trade for years with ups and downs. Some years I can generate a return of 25 to 30%, but some others it can be a negative return (losing money). I don't want to do it anymore and looking for something with less risk. Looked at dividend stocks, but it seems price gets inflated when the dividend is announced. As for real estate investing, I live in an expensive area (Manhattan) and with 250K, I can just put a downpayment to buy a studio or maybe a 1-bedroom and rent it out. This is another option. I own my apartment and it's completely paid off. Still maintenance and taxes are a big charge each month. Have many credit cards from all largest issuers that I pay off each month. So no debt. High credit score.
Any ideas guys??
Thanks
New User Question Deals
Pay off student loans or fund 401K?
Added on : Sunday July 27th 2014 08:00:08 AM
g: 2 Posted By: dyslexiateechur
Views: 135 Replies: 8 Hi all. Hubby and I have just paid off a mortgage and we can't agree on what to do next with our spare funds.

I already fund my 401K to the full match that my company offers (3% full and then a smaller match up to 5%), but I started paying into it late so it's less than what it should be for someone my age (32) IMO.

On the other hand, I have student loan debt that I pay slightly above the monthly payment on--and I have a long way to go to pay it off. No private loans, just federal. Interest rate is around 4% I believe (I'd have to look it up to give the exact).

Hubby wants to aggressively pay down the student loans, but I'm thinking that (for tax purposes at least), it would be better to start putting more money into the 401K, even if it's not yielding a lot at the moment.

Which one (if either) would you pick?
Investing Deals
RE investment - just missed Bed Stuy...what's next?
Added on : Sunday July 27th 2014 04:00:09 AM
g: -1 Posted By: FeelingGood
Views: 158 Replies: 3 I'd like to invest $200K into rental property (preferably multifamily house) in either NY (Brooklyn/Bronx/Queens) or NJ (Morris/Essex/Union counties)
We just missed Bedford - Stuyvesant... what else is hot on the market? We'd like to buy 2-3 family house, rent it for a couple of years, and sell it. While renting, we would like to break even. I am trying to say that we are less interested in cash flow.We are more interested in property appreciation. My realtor told me that Bed Stuy has nothing left in our price range (under $400K)
A friend of a friend invested in multifamily house in Newark, NJ. As you know, Newark has one of the highest crime rates in USA. The market there might be good in terms of capital gain, but I do not feel like drugging my tenants to court (this is what that "friend of a friend" is doing on a regular basis) Is there a decent area in NY/NJ where you can get substantial appreciation over 3-5 years?

Investing Deals
Stock specific online forums
Added on : Saturday July 26th 2014 08:00:10 AM
g: 0 Posted By: Solomon960
Views: 42 Replies: 0 I am seeking online forums specific to individual stocks (or mutual funds). I am familiar with yahoo stock forums and www.stockhouse.com, but the latter contains pages for stocks that haven't been added to in years. (For http://boards.fool.com/ and forums listed athttp://www.fullofdeals.com/forums/finance/926032/, the American/Canadian equities I follow are not even listed). Are there other forums to which (1) offer a wide, active membership and (2) have a page devoted to each stock listed on the NYSE or sold OTC? If so, please share.

Thank you.
Investing Deals
How to Pick a Mutual Fund (or Funds)
Added on : Thursday July 24th 2014 04:00:10 PM
g: 0 Posted By: hurricanedarby
Views: 63 Replies: 3 Hello all! I've been investing in mutual funds for about 1.5 years now. I started with JP Morgan Chase but I read a bit more into the percentages and realized their costs were too high. I then used Future Advisor which recommended going with Vanguard which I switched too about 3 months ago. The fund appears to be doing well; are there any other tips or places I should be looking for mutual fund advice? Thanks!
Question Deals
Ending $1 a share for some money funds
Added on : Thursday July 24th 2014 05:00:21 AM
g: 0 Posted By: GoldenSacks
Views: 115 Replies: 1 http://bigstory.ap.org/article/sec-poised-end-1-share-some-money...
Limiting floating prices to the funds favored by big investors could lead those investors to exit quickly at a time of stress and leave "retail investors holding the bag" in other funds that could be damaged.
Investing Deals
Why such a huge price difference for this bond?
Added on : Tuesday July 22nd 2014 05:00:06 AM
g: 0 Posted By: BrunoB
Views: 60 Replies: 0 http://emma.msrb.org/SecurityDetails/TradeActivity/917328QC3
Customer sells @ 112 and another customer buys @ 82 today?
Edit: Seems it was mispriced. Removed now (see attached JPG).
Investing Deals
Difference between 3 different foreign stock tickers
Added on : Monday July 21st 2014 09:00:08 AM
g: 0 Posted By: brettdoyle
Views: 145 Replies: 2 With all of the recent Russian events I am looking to park a small amount of money in the Russian oil corporation LUKOIL. This is obviously a risky investment... I am not recommending anyone go out and buy since it may not be suitable for many.

With that out of the way here was my question... My brokerage (interactive brokers) offers three different ways of buying it that prompts many questions...

1) OTC Pink sheets ADR ticket
2) London stock exchange
3) Moscow stock exchange

The big different I see is that the Pink sheets pays dividends in USD whereas the others are in RUB. The other exchanges operate at different hours. From my own research it seems Russia has a 15% tax rate on dividends which will then be taxed again by Federal US tax. When I compare the price movements in all 3 instruments they are almost identical meaning that market participants are doing a good job arbitraging any price differentials between the three.

What are some of the other advantages and disadvantages to each option? Are there different legal, taxation, reporting, fees & costs, and risk advantages? Would the London stock exchange ticker also be subject to UK taxes and regulations?
Investing Deals
If I can't clear 10 per year, I'd rather hold gold with that money
Added on : Sunday July 20th 2014 11:00:08 AM
g: 0 Posted By: nicj4070
Views: 31 Replies: 4 We've averaged 5% per year inflation, since I started watching it in 1970. Gas was 40c a gallon, folks. A new Colt gov't model .45 was $135, rent was $50 per month, at most. A brand new, 400+ Cubic inch car, with AC, etc, was $4000, Ford or Chevy.

So any "investment" that doesn't make 6% minimum (before tax) is just losing money. Sure, gold CAN take a nose dive, but it can also double in price in a very few years, too. In 2004, I bought gold at $450 an oz. It went all the way to $1800, fell off, found support at $1200 an oz, and has been $100 or more over that price ever since. A lousy5% (after tax and inflation) just aint worth tying up much money into.
Investing Deals
Making money on the side at foreclosure sales.
Added on : Saturday July 19th 2014 07:00:08 AM
g: 0 Posted By: atikovi
Views: 114 Replies: 2 I was watching HGTVs Flip It To Win It show about flipping foreclosures. It shows buyers bidding against each other to win a house. Say you know another bidder really wants a house that is worth about $500,000 and you are pretty sure he will bid that high and so will you. Why not make a deal with him that if you stop at $450,000, and he gets the house for the next bid, he pays you $10,000? He gets the house for $40,000 less than what he would have to pay if you had kept on bidding, and you get a quick $10K. Is this a realistic proposition?
Investing Deals
Sams Club New travel website (Members only)
Added on : Monday July 14th 2014 06:00:09 AM
g: 0 Posted By: pradeepkrcv
Views: 31 Replies: 0 i searched for the topic, but it seems no one posted anything about new travel site by sams.

Link

here's a review on the site by fool.com
Review
Discussion Deals
g: 1 Posted By: MoogLiberation
Views: 84 Replies: 1 Hey there, I was hoping I could pick your brains and get some direction from the experts. I've had some health issues come up that have permanently changed the way I'm looking at investing and savings. Unfortunately, even though I'm only 30 years old, investing in things like equities is too risky for me now. So I'm looking at things like prepaid cards with interest rates around 5-6% and bonuses at banks for signing up for new accounts.

I currently have a Mango prepaid card maxed out at $5,000 and I'm considering doing the equivalent at PayPal and NetSpend. I've also signed up for new accounts at Chase and Nationwide Bank that have good bonuses. I'm wondering if you guys have any other recommendations? It doesn't matter if they're more of the same strategies I'm already utilizing or if I'm missing out on anything else all together. Your help is greatly appreciated. Thanks.
Investing Deals
Parking Large Amount of Cash in Duke Energy PremierNotes?
Added on : Sunday July 13th 2014 10:00:08 AM
g: 0 Posted By: GoldenSacks
Views: 62 Replies: 3 As the title says. Is this viable/safe/etc.? And what are the chances to lose it all since this loss would be a life-changing event.
http://www.duke-energy.com/investors/individual-investors/premie...
Investing Deals
Has anyone invested in a venture capital firm... not an ETF?
Added on : Wednesday July 09th 2014 03:00:07 PM
g: 0 Posted By: chc
Views: 144 Replies: 1 I always read articles about venture capital firms and wanted to know if anyone has had the fortune (pun intended) to invest with one? I'm not speaking for an ETF or mutual fund that diversifies like a hedge fund. I'm speaking of a venture capital firm that requires large net worth (usually over $5 million) and minimum investment of $500K. They will invest in start ups, private equity business, etc.

Just curious to hear some honest results, good and bad.
Investing Deals
Has anyone invested in a hedge fund... not an ETF?
Added on : Wednesday July 09th 2014 02:00:06 PM
g: 0 Posted By: chc
Views: 72 Replies: 0 I always read articles about venture capital firms and wanted to know if anyone has had the fortune (pun intended) to invest with one? I'm not speaking for an ETF or mutual fund that diversifies like a hedge fund. I'm speaking of a venture capital firm that requires large net worth (usually over $5 million) and minimum investment of $500K. They will invest in start ups, private equity business, etc.

Just curious to hear some honest results, good and bad.
Investing Deals
Small Pension Buyout
Added on : Tuesday July 08th 2014 08:00:09 AM
g: 0 Posted By: mythosaz
Views: 30 Replies: 0 OK folks, I'd like to borrow upon your wisdom for a moment.

I've looked at a couple of calculators, and they seem to confirm what IthinkI'm seeing, but I'd like a second opinion.

When I left a long-term job last year, I was surprised to find I had earned a small pension. For purposes of this discussion, lets call it $325/mo, eligible in 2035. It has a lump sum option today in the 13-14k range, which seems to jive what what calculators tell me. It has no survivor benefits, so it's good for me alone, from 65 until death. I don't have any unusual medical conditions.

I'm in a position now where I need a new (to me) car, and a used crown vic doesn't quite meet with my needs. I drove my last 20k 2007 vehicle into the ground with almost 200,000 miles on it, and I'm weighing my options.

I try to look at things like this: If I had $13k cash now, would I use it toward/for/as-part-of a new (to me) car, or would I buy a 13k annuity with a 325/mo payout at 65? I know that it's worth much more should I survive to 70, but would I buy said annuity today versus dealing with more pressing issues.

Some minor background, as it might help determine the real value of the pension to me and my family. Because of numerous troubles in the last, well, decade, my wife and I have little cash or retirement savings, but we're both employed in good jobs, and we've got three properties. [A rented condo owned lock stock and barrel, a rented home about half way through the mortgage breaking even, and a primary residence in year 10.] After losing my long-term job, I've been contracting, so it hasn't always been easy to keep cash between gigs.

The wife and I plan to keep using bonuses and excess salary (is there such a thing) to keep paying down the rental house, and then attacking our real mortgage. I know that isn't strictly the best plan, but I enjoy the feel of ownership. Owning a house is more valuable to me than playing a game with mortgage interest or keeping it liquid to invest. This is the primary reason I'm conflicted about a small pension. Iownthat, so to speak.

I don't want to turn this too much into a car discussion. I'd just like to know the pros and cons of what to do with 14k today versus having a $325 pension.
Investing Deals
Advice for disabled friend on how to invest $350K
Added on : Tuesday July 08th 2014 05:00:08 AM
g: 0 Posted By: ChippyNY
Views: 100 Replies: 4 I have a close friend who's unable to work due to chronic disability from medical malpractice. He received about $350K and he receives Social Security Disability, but SSD is enough to cover only his rent. If he does nothing, the money should last him only about eight more years. He's 48 and his family members tend to live into their late 80s or 90s. What should he do to safely invest this money but get more than 0.8% interest which he currently gets through online banking? I don't think he's up for investing in real estate.
Investing Deals
benefits of starting a retail business at the end of the year
Added on : Sunday July 06th 2014 04:00:09 PM
g: 0 Posted By: davidbeckham
Views: 91 Replies: 0 Hi all

I am a single professional in service industry, and of course I get killed in taxes(36% combined for fed and state). I get paid as an independent contractor for one of my part time jobs. I have now come to a career point where I am ready to start my own shop soon. I need some tax gurus helping me out with this one. I am thinking of signing the lease for space and starting buildout before the end of the year since construction would be the biggest expense of my endeavor, and this way I would be allowed to write the cost of construction off my tax this year. Next year I'd see a drop of my income because the new business would require significant advertising and me investing my time while I could work for an established business and make a decent income. I am hoping to be eligible for a lower tax bracket. If I did everything in one year, I might not have sufficient income to enjoy the tax writeoff. The idea here is to split the project in two tax years and maximize tax savings. Is this plan reasonable? Is there any advantage to squeeze equipment or supplies purchases this year as well?
Discussion Deals
401k Investment Options
Added on : Sunday July 06th 2014 09:00:11 AM
g: 0 Posted By: furlongce
Views: 77 Replies: 0 I need to decide where to put my investments in my 401k. I have always been a fan of the Vanguard LifeStrategy Growth Fund, but unfortunately that is not an option. The 401k is with fidelity, and I have to choose between the following:
Name Ticker Symbol Fund Code Fidelity Money Market Trust Retirement Money Market Portfolio FRTXX 0630 DFA Inflation-Protected Securities Portfolio Institutional Class DIPSX OUTW American Century Investments Government Bond Fund Investor Class CPTNX OLAG PIMCO Total Return Fund Institutional Class PTTRX OF1P Vanguard Total Bond Market Index Fund Signal Shares VBTSX OKVY . MFS Massachusetts Investors Trust Class R3 MITHX OUCL Vanguard Institutional Index Fund Institutional Shares VINIX OFVH Fidelity Low-Priced Stock Fund FLPSX 0316 Spartan Extended Market Index Fund - Fidelity Advantage Class FSEVX 1521 Wells Fargo Advantage Small Cap Value Fund Institutional Class WFSVX OKWB Fidelity Contrafund FCNTX 0022 Neuberger Berman Socially Responsive Fund Institutional Class NBSLX OLEA Morgan Stanley Institutional Mid Cap Growth Fund Class I MPEGX OFMW American Funds EuroPacific Growth Fund Class R-5 RERFX OQVQ Invesco Developing Markets Fund R5 Class GTDIX OUAW Spartan International Index Fund - Fidelity Advantage Class FSIVX 1522 Cohen & Steers Institutional Realty Shares CSRIX OSQO Ivy Science and Technology Fund Class I ISTIX OLSZ PIMCO CommodityRealReturn Strategy Fund Institutional Class PCRIX OSCV T. Rowe Price Health Sciences Fund PRHSX OFN1 Fidelity BrokerageLink BLNK

Fidelity Freedom Index Income Fund - Class W FIKFX 2216
I would like to choose funds that would imitate the Vanguard LifeStrategy Growth Fund. What would you recommend? I am also having to decide whether or not to open a traditional 401k or a ROTH 401k. I will be contributing to a ROTH ira (LifeStrategy Growth Fund) in addition to whichever 401k option I decide to go with.


Thanks in advance for your time and help, I appreciate it.

- Chris

Investing Deals
College Student. Retirement Plan
Added on : Sunday July 06th 2014 08:00:04 AM
g: 0 Posted By: Joshhh
Views: 68 Replies: 0 I'm 20, single, 3rd year college student with a part time job $20K income this year. No debt (all $20K can be used for saving because of the full scholarship). Looking to start my retirement plan and lessen my tax. I am thinking about having a Roth IRA saving account, is it the right choice? I don't have much knowledge about investing.
Investing Deals
Load fee funds through employer retirement plans
Added on : Wednesday July 02nd 2014 08:00:11 AM
g: 2 Posted By: kenyanboy
Views: 127 Replies: 7 FWFers,

I'm a Bogleheads lazy portfolios follower, investing in Vanguard no-load, low expense ratio funds, through my employer 401(k) plan. However, this is about kenyangirl, aka ze wife. I've searched the FWF finance forums and learn a lot about this category. Thank you contributors!

Her employer plan (IRA) offers a 100% match on her first 3% contribution. However, the IRA is through American Funds, and is offering Class-A and Class-C funds, which have load fees aka sales charges, plus high expense ratios. (It's a small company and the owner's friend is a fund chappie, hence you know how the story goes).

I'm against the wife investing through American funds as their Class A sales charges are 5.75%. The Class-A expense ratios range from 0.58% to 1.13%, with the average being 0.70% over the various asset classes (excepot money-market funds). Class C has a 1% sales charge if sold in the first year, but ER are over 1.3%. Her opinion is that since she's getting a 100% match, this will offset the load fees(she won't be contributing any more since we diversify our investments through local RE, etc).

What has your experience been with fee-loaded funds through employers, when you don't have any other choice? Do you take the free money and absorb the high costs, or do you decide to not participate and open a Roth IRA?
Investing Deals
up to $1,076 when you fund a ShareBuilder account
Added on : Monday June 30th 2014 10:00:09 AM
g: -1 Posted By: rpi1967
Views: 101 Replies: 0 4 days only: June 30=0.65emth July 3=0.65emrdGet up to a $1,076 bonus when you launch a new or add to an existing ShareBuilder investment account or IRA. The more you add, the bigger your bonus.

Capital one offers a pre July 4th bonusesof

$100 for 5k deposit in assets
$276 25k
$376 50K
$676 125K
$1076 250k

This appears to be 2 to 4x more than competing broker's bonuses.

Good offer if you believe or have stocks. Not good if you have cash in mattress.
Investing Deals
Puerto Rico bonds
Added on : Monday June 30th 2014 07:00:08 AM
g: 0 Posted By: BrunoB
Views: 64 Replies: 1 Puerto Rico governor offers debt restructuring for public corporations
Does anyone on this board own any kind of Puerto Rico bonds (General Obligation or Revenue)?

Investing Deals
college savings plans
Added on : Saturday June 28th 2014 10:00:09 PM
g: 0 Posted By: cutemitu
Views: 36 Replies: 0 I have recently started researching about 529k plans but as a newbie, I have several questions:

1. Are 529k plans changeable? I understand the plans allow changes only once or twicea year? I live in CA. If I open a CA plan, can I change to another state' plan later, like aVA or NV plan? CA does not offer any income tax deduction.

2. What is your recommendation between direct and advisor sold plans? I manage my own 401k plan including rebalancing.

3. I heard that pre-paid plans are not as popular as savings plans? Is there a limitation on which colleges to choose from for the prepaid plans? Any other pros and cons I should be aware of?


Investing Deals
Pay off all card then invest or invest now?
Added on : Tuesday June 24th 2014 01:00:06 PM
g: 0 Posted By: travelbro
Views: 224 Replies: 9 I owe about $3000 in credit card debt. Should I pay off my dept first? it will take my about 5 months to pay it off?

or should I start investing now and pay my bills slowly?

help me I am 30 years old and dont know what I am doing. Going through a midlife crisis.

New User Question Deals
Best Way to Take Advantage of BT Offer?
Added on : Tuesday June 24th 2014 06:00:08 AM
g: 0 Posted By: jimmyrules712
Views: 126 Replies: 1 This should start an interesting thread.

I have a BT offer on my old AARP card (the gift that keeps on giving?). 0% APR for 1 year with a 2% fee with a $250 cap. I have a $21k credit line, so if I take it all out that comes out to a 1.12% fee. I normally ignore BT offers, but $21k at 1.12% for 1 year is hard to pass up. I'm looking for any good ideas on how to best take advantage of this, while still having access to the money to pay off the BT in 1 year. I already know how to turn the BT into cash in my checking account, just not sure what I want to do with it from there. I have a 4% mortgage and 1.99% auto loan, other then that no debt so I can't really use this to pay off higher interest debt.

1 year CDs are only paying about 1.10% so that's out.
Stock market is too risky, I don't want to be stuck with the bill if there's a crash
Bonds may be an option, but also has risk

What else?
Investing Deals
Loyal3 Transfer Account
Added on : Tuesday June 24th 2014 05:00:09 AM
g: 0 Posted By: cjwray
Views: 76 Replies: 0 Hi,
I have bought several stocks commission-free at Loyal3.com. I also have a TDAmeritrade account, and was wondering if I could transfersomeof the stocks from my Loyal3 account to my TDAmeritrade account. I feel as though TDAmeritrade is much easier to use and I would like to consolidate my holdings. I've read (and this is only from one source, there is not much information about this) that Loyal3 will close your account if you transfer your assets to another broker. I would still like to maintain the ability to purchase commission-free and am curious whether they would close my account if I only transferred some of the stocks.

Thanks
Investing Deals
g: 0 Posted By: shalein
Views: 69 Replies: 0 For only those who can go to the branch in Round Rock today before 5 PM CST :-

Check more on:-
Round Rock Amplify Branch Open offers


Investing Deals
Go Pro IPO
Added on : Friday June 20th 2014 06:00:17 AM
g: 0 Posted By: billybwilde
Views: 168 Replies: 1 Anybody going for it? Up to $10k on MC/Visa.
Investing Deals
banking opperations
Added on : Thursday June 19th 2014 02:00:07 AM
g: 0 Posted By: tink3975
Views: 64 Replies: 2 I recently read quite a few responses to(what banks fingerprint you and which ones don't) . I heard some of the funniest responses, not just one. First off banks are only allowed to ask for you state i'd. If they ask for your social or your fingerprint and you decide not to give out that information then that is your right as an American citizen to keep your debtor number, as it should be called. You use your as card to keep up with your debt. Today if you owe money to the bank you are put on check systems. Which turns over every 5 years. Not you credit. The only way they can garnish your wages, throw you in jail or apply it to your credit is through the courts. They have to sue you and prove without a doubt you owe this money. They never think you will show up so they never bring the correct documents. Ask for one page if they can't produce it case dismissed. Now the reason I HAD to say something is because Americans recieve the wrong information through different sources such as these message boards. Spend more time at a library studying the constitution and all amendment. If a bank turns you down for not giving them your social you can sue them. Nothing besides credit cards go through you social. Banks use your I'd to list you on check systems. NOW the funny thing I heard many people say which horrifies me as an American citizen that there are so many uneducated Americans. More than once and I quote the only people whose fingerprints show anything is if they have been scanned before for either for getting in trouble or having a business license or some sort of document you put your print on. Ok first and funniest everyone has been fingerprinted....when you are born. And since so many are so undereducated let me guide you to investigate more about what your rights are. You can even deny fingerprinting in jail. The process may take a but longer but that up to you. Most just listen and do what they are told. The only thing you are even required to give the police is what they ask for first off. Licence and registration. Now back to the bank not letting you open some kind of account without giving your social. You syes because they defiled your right to withhold your private information. That is against the constitution. Bank don't have time for court usually well maybe...bend over backward- REALLY? At least they're honest. All a bank does is take your money, keep up with your amount that you are letting them hold on to for a price usually. And most of our money is tied up in the stock market. You are investing in that bank and if it fails to properly use their customers money they go bankrupt and get out quick. Now for a normal person you say my money is right there they are not using it for profit..... A bank is a business just like any other. They must pay their employees which some make triple digits btw and we pay them to not mess up. Now there are I m not going to say good but decent banks with great interest rates as long as they don't go under or get our ol famous bailouts. Check how many banks got OUR money to decide how to fix the problems. A lot of banks still couldn't make it or where not close enough to the government to get the bailouta or become an elite group of bankers who work the treasury dept. If I m not mistaken please forgive me for my ignorance but I believe there are 5 treasury dept employees that not only got the biggest bailout, enough for personal 20000 $ bonuses inside the company but then they manage all our debt cause we don't have money, but they sure do. Extensive paychecks, personal vehicles, gascards, you name it. State government are finally getting recognized for all OUR money. I know I m going on and on. Last info before I go the government has you on record wether you have done anything wrong or good. They hear your calls, they check your email..... In the name of safety and security.lol yea if they need to find you they will. It may take 20 years or even after you are pronounced dead.....Jesus were dumb. Or just be Snowden and go tell the people we owe millions of trillions of $ to that we are illegally spying on them and asked for protection. Some say he is a traitor I personally think he is doing right by himself. He knew he saw stuff and dipped. Cause here we kill people that are problems or disagree with our misguided used of what our founding fathers stood for, or the homeless sick and old veterans starving on food stamps if at all, we give little pricks all the power. Everyday all day. Why would one person matter. Why do we not stock together like Egypt? Why do we constantly allow the few to speak geberish and fight over the most trivial things....I could fix all our problems: no job? To many people. I m not racist in anyway but how does it make any sense that we don't have enough work for American born citizens why would we continue to accept new visas. If you became a citizen correctly and not hopped over the border and pop a kid out. Sound harsh? You pay for them. They get grants for a house, a car and a tax free business for 5 years then switch it to another family members name to avoid taxes. I have an Indian friend who explained what he has been soon for years. Then instead of pumping the $ into our amazing country that they had to come to they send it home. Now I do believe black people (yes I m white) and black people came from all over under the assumption they too would work and be taken care of only to be enslaved and kept here against their will. And they don't get approved for grants half as much as they should and usually its nowhere near what they deserve or what they need. The majority fight in the streets for not even a quarter of old Richey rich who is older than sort most the time. Or even the American Indians. No foreigner should be allowed to take our hard earned cash to make a living. I don't mean to sound heartless but if your country is that bad, then God places you there for a reason. I think some.not all of 3rd world countries are better off. We eat things that we created- we have horrible FDA standards- our income gaps are atroshish. Who ever thought a man that plays a game would make millions and our teachers,police officers, and emergency personal make barely over min. Wage. Let the visas run out and shot since we give then grants anyways help the get on their feet at home until population control and the economy gets back to Clinton days. Oh who cares he got his young sec to go down on him, if his wife obviously didn't care. He made us money, I could leave out one day and have five jobs. Now we live on too of one another either so rich the the united states were suing him for monopolizing the internet, which how do you monopolize on something you created..anyway- or we have the I'm middle class who look rich but have nothing because their pride and greed.or you have the almost what 75% of our population is starving and then they buy the most cheap groceries which are full of hormones and God knows what else. I know I said I would stop and I am but last last thing I would recommend finding out more about you social security card all together. Find out what all the numbers and letters mean. It will shock you
Discussion Deals
Sell rental to help pay off mortgage of primary residence?
Added on : Wednesday June 18th 2014 09:00:13 AM
g: 0 Posted By: jpfern15
Views: 131 Replies: 5 I searched and found a lot of info about rentals, but I want to make sure I get the specifics of my question answered clearly.

My wife and I bought a house in 2009 and lived there until November of 2012. We then bought a new house in December 2012 and moved into that one. Since then we've been renting out the one we bought in 2009. Here are the numbers:

Rental Property:
Property Value: $360k
Mortgage: 135k (30yr fixed)
Monthly Payment: $880
Rent: $1,600
Monthly Net gain: $720

Primary Residence:
Property Value: $600k
Mortgage: $340k (30yr fixed)
Monthly Payment: $2,050

I'm enjoying the $720/month income from the rental, but I'm thinking that if I can sell it for around $360k (my mom is a broker and provided me with this info), that's $225,000 in profit. I could take this and refi my primary residence and lower my loan value to $115k.The key is that the savings in my monthlymortgage payment would be greater thanmy rental incomeand we couldrealistically pay off our house in 5 years leaving us with no house payment. However, conventional wisdom shows that property assets consistently appreciate in the long run, which is why I'm asking you guys if it's better to keep property when there is a compelling reason to sell.

My goal is to own 5 houses by the time I retire in 25 years. What I'm wondering is if it would be better for me to pay off my primary residence and have my only liabilities be against investment properties, or should I keep the rental and continue investing while still owing money on my primary residence? Note that we make about $200k/yr (including rental income) and have no other debt of any kind outside of these two mortgages.

Thanks

Personal Finance Deals
Bitcoin's whole idea is...you be the judge
Added on : Sunday June 15th 2014 03:00:05 PM
g: 0 Posted By: SinglePapa
Views: 29 Replies: 1 arstechnica.com/security/2014/06/bitcoin-security-guarantee-shattered-by-anonymous-miner-with-51-network-power/
Investing Deals
IRA Contribution Deduction vs AGI
Added on : Friday June 13th 2014 10:00:12 AM
g: 0 Posted By: chickenballz
Views: 55 Replies: 0 Haven't been able to find an answer to these question, thought I'd ask the FW crowd:

My AGI exceeds the threshold that allows for full IRA contribution deduction.

1. What can I do to reduce my AGI (line 37 on 1040) in order to qualify for full IRA contribution deduction? FSA and 401k are already used, am not self-employed, no tuition/loans.
2. Is line 37 of 1040 the AGI that is used to calculate IRA contribution deduction eligibility? Line 32 of 1040 is the IRA deduction, so it seems like the chicken or the egg type of deal if you're close to the threshold cutoff.

Thanks
Investing Deals
Retail Access to IPOs
Added on : Thursday June 12th 2014 06:00:14 AM
g: 0 Posted By: Satriani
Views: 20 Replies: 1 Which brokerages allow retail investors to participate in IPOs? That is, receive an allocation of shares at the IPO price before they begin trading.

I've only seen Fidelity have this option; you need either $500,000 in assets or be an active trader. Any others?

Investing Deals
401(k) Allocation Feedback - Fidelity
Added on : Tuesday June 10th 2014 05:00:12 PM
g: 0 Posted By: theman15
Views: 108 Replies: 1 Hi all,

I'm currently in my mid 20's and I'm still relatively new to saving for retirement. Currently have ~$10k in my 401(k) portfolio w/ Fidelity. With my age, I hopefully have plenty of years left to contribute, so definitely looking to be investing in higher risk funds where I can weather the storm. My current allocation and fund are noted below. All 5 are approximately 20% of my portfolio.

American Funds The Growth Fund of America R5
Fidelity Freedom2055 Fund
T. Rowe Price Mid-Cap Growth Fund
Dodge & Cox Stock Fund
Dodge & Cox Balanced Fund

The above 5 break out to be:
72% - Domestic Stock
15% - Foreign Stock
8% - Bonds
5% - Short Term

General thoughts on my 5 funds above and my class breakout? I only have so many funds available with my employer sponsoring the 401(k). Any changes/advice? Is essentially 3/4 of my portfolio being domestic stock too much? My blended funds have pushed my bonds/short term investments up to 13%. With my risk aversion currently being next to none, is that number too high?

Lastly, these 5 funds have produced a 6% return so far YTD in 2014. I believe that is about average if not above average from my quick google searching, although I'm sure the saavy FWF investors are seeing much higher returns!

Really appreciate the input and adviceeveryone.


Investing Deals
Inherited/will inherit nearly half a million, what to do?
Added on : Monday June 09th 2014 05:00:12 PM
g: 4 Posted By: echpirate
Views: 2974 Replies: 53 Hey everyone,

I was lucky enough to graduate college with no debt, a car that was given to me and no student loans etc. My parents also said they would pay for whatever grad school I have which is obviously wonderful. On top of that I had about 180k in stocks and funds when I graduated and not have about 210k since I inherited the first part of a family farm being sold and will inherit another ~240k in 2016.

In total I will have about 430-450k depending on how much I spend and earn between now and then. I know that may not sound like a lot of money these days but I'm only 25 and to me it is. What would you do with it? I plan on investing it to turn it into millions someday but I bet that won't be too easy. I'm very frugal and cautious with money and won't spend it on anything I don't need. I'm not trying to flash it it anyone's face either I just wanted to see what other people think.

Thank you!
Investing Deals
Inherited/will inherit over nearly half a million, what to do?
Added on : Monday June 09th 2014 06:00:07 AM
g: 0 Posted By: echpirate
Views: 3 Replies: 0 Hey everyone,

I was lucky enough to graduate college with no debt, a car that was given to me and no student loans etc. My parents also said they would pay for whatever grad school I have which is obviously wonderful. On top of that I had about 180k in stocks and funds when I graduated and not have about 210k since I inherited the first part of a family farm being sold and will inherit another ~240k in 2016.

In total I will have about 430-450k depending on how much I spend and earn between now and then. I know that may not sound like a lot of money these days but I'm only 25 and to me it is. What would you do with it? I plan on investing it to turn it into millions someday but I bet that won't be too easy. I'm very frugal and cautious with money and won't spend it on anything I don't need. I'm not trying to flash it it anyone's face either I just wanted to see what other people think.

Thank you!
Investing Deals
A Message from GE Capital Invest Direct
Added on : Friday June 06th 2014 10:00:14 AM
g: 0 Posted By: ToddC
Views: 58 Replies: 2 Has anyone received this message, and if so, what are your plans if you have over $500K invested?

Dear Investor,

So that it continues to make economic sense to offer GE Interest Plus in light of recent regulatory changes, on July 30, 2014, GE Capital will discontinue paying interest on the portion of an investment that is greater than $500,000.

If you maintain more than $500,000 in your investment account, or have a balance that is approaching $500,000, we are notifying you now so you are mindful of the change and, if impacted, have the opportunity to act prior to July 30, 2014.

This change is designed to encourage investors to maintain investments in amounts below $500,000 and will only apply to the portion of your investment that is greater than $500,000. Investments up to $500,000 of your personal or business investment will continue to earn the applicable GE Interest Plus rate available for such investments. Current rates appear at our website, www.gecapitalinvestdirect.com.

Thank you for your continued investment in GE Interest Plus.

Sincerely,
GE Capital Invest Direct



Investing Deals
Experience with First Command Financial Services?
Added on : Thursday June 05th 2014 01:00:07 PM
g: 0 Posted By: diffeldoof
Views: 90 Replies: 3 Hello all,

I think this is my first thread in FWF, but I've probably read almost every thread over the last year or so and have learned a lot.

I have an appointment with First Command in a few days to discuss our financial goals and they offer a complimentary financial plan to first-time military clients. I hear they are pretty big but there's nothing in FWF about them... just a lot about financial advisors in general. Does anyone use them and care to share their experience and what to expect?

Generally speaking I'm not really looking for advice on our personal situation, but the background is I have a pretty good idea on what we can do investment-wise from reading all the "I have $50K how should I invest?" threads . My wife won't entertain us investing in anything other than TSP until we speak to a "professional."

I'll post our experience if it helps...
Discussion Deals
401k/IRA questions
Added on : Thursday June 05th 2014 10:00:12 AM
g: 0 Posted By: coolcomp
Views: 145 Replies: 6 Changing employers and want to get my 401k out. The best plan as I have researched suggests doing a 401k to IRA conversion. The 401k is managed through a smaller company sponsored firm. Couple of questions

1) Is rolling over to IRA the best option for people on temporary visas (H1). I saw quite a few threads discussing this, but there was no real conclusion I could make out. The general idea has been to maintain a IRA accnt now. And when you immigrate back to your home country (India), convert to a Roth IRA every year upto your std deduction (10.5k now) and then withdraw. Is this right? Will there be taxation in the home country when you withdraw from roth IRA later on?

2) Is backdoor roth conversion a way of avoiding taxes when you convert from IRA to roth?

3) I saw some firms for IRA accounts like Fidelity/Scottrade etc. None of them take any fees for opening and maintaining the account. Is the idea to earn money only from the trades? As of now, want to invest in something safe and leave it for some years like the vanguard retirement 2040 etc. So once I invest into Vanguard 2045, I will pay a one-time commission fee of 5-10$ and that's it?


Investing Deals
529 - weighing state plan choice versus in state deduction
Added on : Wednesday June 04th 2014 11:00:09 AM
g: 0 Posted By: digduggler
Views: 128 Replies: 2 Forgive me if this has been covered, I don't seem to be able to find it. I'm still getting up to speed. I see that you can open a 529 plan outside of the state of residence and use it for whatever college is attended. I also see that all of these funds are not created equal (in particular Utah is often recommended and there isthis2013 Morningstar analysis).

This might be obvious, but I'm wondering if anyone has done an analysis or whether or not staying in state (I am in Alabama which has a 'bronze' Morningstar rated plan) which allows for a tax deductiblecontribution offers the greater savings in the long run vs investing in a fund with a lower ER/fees in a different state. It seems staying in state offers better savings as long as you contribute an appreciable amount. This will be for my < 1 year old, and I plan on cashing out one or more whole life policies my dad took out of me (see here) when I was a kid to jump start it with 14k (the current max gift amount as I see) this year and potentially 13k as well next year (I have two different policies I can cash out at separate times valued at about ~15 cash value each, not taking in tax implications). I've already gotten a healthy amount of term of my self and my wife (1 million of me, 500k on her), so it should be safe to cash these out. After the initial seeding I will contribute as much as I can after maxing out both my and my wife's ROTHs as well as my 401k contribution (no match, so currently weighted such that I"m putting aside 15% a year into retirement combined between ROTH and 401k. Once my wife goes back to work that will increase significantly). Any feedback appreciated.
Question Deals
IRA Contributions
Added on : Wednesday June 04th 2014 05:00:11 AM
g: -1 Posted By: dunch0ck
Views: 51 Replies: 2 I open New IRA last Month and am ready to contribute to it.. I sign up with Chase Individual retirement, any help on how i can contribute to it since i cant find it online..

Thanks
Investing Deals
How to sit on the sidelines with a 401k?
Added on : Wednesday June 04th 2014 03:00:11 AM
g: 0 Posted By: yorkie345
Views: 59 Replies: 2 I have two 401k accounts, as I left my first job a few years ago. The 401ks are through Fidelity and T Rowe Price. I always keep a watchful eye on the market and was looking into what I could do if the market takes a turn for the worst, as in, pulling out of stocks and just sitting the money in a money market etc. so I don't take a huge loss. Well, I logged into both accounts and went to my options for moving the money into different funds etc. and I see no option of letting the money sit uninvested. Is this pretty typical of company-sponsored 401ks or am I not looking in the right place? I also have a Vanguard Roth IRA that I can move my money into their money market whenever I want. I was hoping for the same thing with my company 401ks.

Don't worry, I'm not going to do it now. The market is still going up and I'm putting 50% of my pay into my 401k
Investing Deals
g: 1 Posted By: brettdoyle
Views: 326 Replies: 5 Is it possible to convert a short term capital gain into the dividend tax rate?

Let's say someone has $10,000 in short term capital gains that will be taxes at their marginal tax rate (Let's say 28%). Then that individual goes out and buys 10,000 shares of a stock that has announced a dividend payment. Company XYZ costs $50 a share is going to pay a dividend of $1. The investor buys a share of the stock on the Ex-Dividend date and holds it through the record date, thus getting paid the dividend. The share price of the stock is revalued at $49 to account for the dividend payment that went out (assuming no market volatility for those 3 days the shares are held).

So now the investor theoretically would sell his 10,000 shares at $49, having a $1 capital loss per share. The $10,000 capital loss would offset his $10,000 capital gain turning it to $0 come tax time. Rather than paying $10,000 short term capital gain at 28%, he could now pay $10,000 on his dividend income at 15%.

Does the IRS or Brokerages have any rules in place to prevent an individual from doing a strategy like this? Are there any other downsides?
Investing Deals
g: 0 Posted By: brettdoyle
Views: 95 Replies: 2 Is it possible to convert a short term capital gain into the dividend tax rate?

Let's say someone has $10,000 in short term capital gains that will be taxes at their marginal tax rate (Let's say 28%). Then that individual goes out and buys 10,000 shares of a stock that has announced a dividend payment. Company XYZ costs $50 a share is going to pay a dividend of $1. The investor buys a share of the stock on the Ex-Dividend date and holds it through the record date, thus getting paid the dividend. The share price of the stock is revalued at $49 to account for the dividend payment that went out (assuming no market volatility for those 3 days the shares are held).

So now the investor theoretically would sell his 10,000 shares at $49, having a $1 capital loss per share. The $10,000 capital loss would offset his $10,000 capital gain turning it to $0 come tax time. Rather than paying $10,000 short term capital gain at 28%, he could now pay $10,000 on his dividend income at 15%.

Does the IRS or Brokerages have any rules in place to prevent an individual from doing a strategy like this? Are there any other downsides?
Investing Deals
Where to Park Money
Added on : Monday June 02nd 2014 11:00:10 AM
g: 0 Posted By: DjScibbity
Views: 185 Replies: 3 Hi All,
I know this has been asked and the typical answer is "Find a high yield checking account..."
But, its been a few months and Id like to see if there are any other suitable options (or recommendations for said high yield checking accounts).

If you had $40-60k sitting in a crappy low yield checking account what would you do with it?
Assuming it is to be kept fairly liquid (A CD could also work, since it's technically liquid).
Stipulation is that it must be very very low risk and preferably FDIC insured.
Investing Deals
g: 1 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/gp/product/B004SIR422

Many of us are crazy about money. We spend too much of it and save too little. We hoard it and we sink into debt over it. We lavish it and are stingy with it. We lie about it and fight over it. We think about it all the time and we avoid thinking about it at all.
What makes us act this way? We like to believe that our choices and actions are guided by rationality and common sense. But in fact, reason and common sense often have little to do with our money behavior. Even trained financial professionals can be crazy about money. Rather, our decisions are governed by our emotions and money beliefs.
If these emotions and beliefs are balanced and clear, we will act wisely with our money. If they are confused, we will make poor decisions, creating financial havoc and deep unhappiness. Crazy About Money helps you identify the unconscious emotions and beliefs that typically develop in childhood and drive your money decisions as an adult. It also shows you how to change misguided attitudes that lead so many people into money trouble.
Crazy About Money uses real and composite cases drawn from author Maggie Bakers 30 years of clinical psychology practice. Youll learn about Mary, who has a basement full of useless Internet purchases she made to get even with her seemingly indifferent husband. And about Harry, an 89-year-old multi-millionaire bachelor who nearly decided to move into a state-assisted living facility for fear he would run out of money. You will also meet others who, perhaps just like you, over-spend, under-save, and make poor investment decisions.
In-depth discussions explain how many people, once they understand their motivations, are able to break short-sighted or destructive money attitudes and patterns of behavior. Exercises at the end of each chapter will help you examine your own feelings and actions and point the way toward smarter choices with money, whether in saving, investing, spending, giving, or sharing.
In todays economic climate, its crucial to understand how you make money decisions and how you can improve them. Emotional clarity about money and financial literacy are necessary 21st-century survival skills.

Praise for Crazy About Money from other money experts:

Funny, humane, and to the point, this will be the most fun youve had while learning why we act as we do. It is a bible for anyone who teaches or counsels people about their money. Kent Engelke, Managing Partner and Chief Strategist, Capitol Securities Management

Read this book and insist that your financial advisors read it as well! G. Scott Budge, Ph.D., Psychologist/Managing Director, RayLign Advisory, LLC

"Crazy About Money takes a uniquely direct approach to how and why so many of us struggle with money. Dr. Baker draws on her extensive professional experience and her personal journey with her own finances to teach us that a healthy relationship with money is both freeing and attainable... this book a great read for anyone looking to understand his/her own attitudes and spending habits."
Leslie Gordon Mayer, Ph.D. President &CEO, Mayer Leadership Group; Fellow, Wharton School of Business

"... A priceless contribution to the field of money psychology, this book is a must-read for individuals and couples facing money conflicts or money avoidance. Mental health professionals, money coaches and financial professionals will also find it a great resource for themselves and their clients."
Olivia Mellan, psychotherapist, money Coach, speaker, and author of Money Harmony and The Client Connection (with Sherry Christie)(moneyharmony.com)
Totally Free Deals
What to do with my 401k, and savings after moving to UK?
Added on : Monday May 26th 2014 08:00:09 AM
g: 0 Posted By: vidrineb
Views: 19 Replies: 0 I've been working for my current company for two years. Over these two years I've contributed $20,000 into my 401k which they match 40%. At least up until they quit all matching last September due to "budget cuts". I'm leaving this job within the next two months and moving to the UK. I also have around $8,000 in my TSP account from when I was in the military. I haven't touched it since leaving the Marines two years ago. What do I do with the money I have in these accounts? I don't think I will be able to roll them over to whatever sort of retirement funds are offered in the UK that would be the equivalent to 401k without penalties. I also have $50,000 in a personal savings account at 0.3% APY which really isn't doing anything. I've never done any investing and have no idea where to begin. I'm 26 years old and it's beyond time that I sort this stuff out for my future and eventual retirement. Can someone give me any tips or pointer, or at least steer me in the right direction?
g: 0 Posted By: CaliforniaDriver
Views: 16 Replies: 0 I know that there is the 10% penalty that applies to all early penalty with Roth IRA. But several questions here.

1. If closing my Roth IRA for an emergency, can I offset the gains that I made with my capital losses that way I only pay the 10% aand not any gains tax.

2. 10% penalty is only on the gains right? Not principal as well ?
Investing Deals
g: 0 Posted By: remick
Views: 74 Replies: 0 http://www.amazon.com/dp/B00EUN8J5Q

Trading, poker, investing, gambling, starting a business, baseball, betting on lawsuits, innovation, and one insiders story about the rise and fall of Enron.

In "Lucky and Good," John Sherriff, former Enron Europe CEO, shares his insights about what went right and wrong at Enron, his current business of betting on lawsuits as well as tales from the poker table and the sporting world to provide very useful and entertaining advice for anyone in business.
Totally Free Deals
question about HCBK MTB buyout
Added on : Saturday May 24th 2014 02:00:04 AM
g: 0 Posted By: IStillPickUpPennies
Views: 5 Replies: 0 http://www.fool.com/investing/general/2012/08/28/a-bank-merger-s...

Ever since I read the artible above nearly two years ago, HCBK has been on my radar. The stock was trading at about $6 back then, and it was going to be bought out by MTB, supposedly offering a roughly 15% premium to the current price. I never invested, but it was one of those nagging ideas I kept thinking about in the back of my mind, you know?

Since then, banking regulators (known for taking their time with these sorts of things) have delayed the buyout twice. Now it is presently supposed to happen by December 31 2014, or both parties can walk away.

On its own, HCBK has recovered along with the market back up to nearly $10 a share. I understand that if the buyout doesn't go through, it may drop a couple of bucks a share, so I guess that is the downside. However, I'm not sure what the UPSIDE would be at this point?

HCBK is still selling at about 1x book value, so I still think of it as a possibility now and then. However, I'm not sure where I can find out more about the potential upside to investors at this point. Can anyone point me to a website that would offer detailed information, specifically about the proposed merger details? Obviously, if MTB is still offering the OLD price, then it would mean that HCBK stockholders would actually LOSE money if the buyout goes through, and that can't be right. I mean, why would anyone buy a stock that would go down whether or not the buyout goes through? There must be something I don't understand here, and I'm not sure where to find the information I need to do a fair evaluation of this buyout. If anyone can point me to a website that would have this, I would appreciate it greatly.
Personal Finance Deals
Traditional IRA Vanguard
Added on : Friday May 23rd 2014 10:00:08 AM
g: 0 Posted By: samandy
Views: 36 Replies: 0 QQ, I know VG's philosophy is not to time the market but if economy starts to tank,
will VG allows to sell Target mutual funds to Cash Reserves/Fixed deposits?
Investing Deals
Helping Mom
Added on : Wednesday May 21st 2014 05:00:09 AM
g: 0 Posted By: jrbrann
Views: 14 Replies: 1 My mother is getting ready to retire and she will be selling her house next month and I have been charged with helping her budget everything out.
Here is a quick snapshot of her finances-
Monthly income- $2500 from retirement, and additional yearly income of approximately $600, so a total of around $35,000 before taxes and insurance.
Her monthly expenses will be rent of $1100 approximate utilities of $300.
She also has approximately $20k in liquid savings.
The question is what to do with nearly $200k that she will get when she sells her house? This is ALL she has so I would like it to be on the safe side but I also want to insure that it out paces inflation. Annuity, bonds, or other- Thoughts?
Investing Deals
Young couple starting retirement savings
Added on : Tuesday May 20th 2014 10:00:06 AM
g: 0 Posted By: novicenancy
Views: 109 Replies: 5 Hi everyone!

I am 24 and my husband is 26. We do not have a company 401K or anything like that yet but would like to start saving a little bit for retirement. We are planning to start a Roth IRA but would like some feedback from experienced investors. We come from families of limited means and have no family or parents to speak to about this subject, but I am hoping some internet strangers could offer advice.We know the importance of investing and saving for our future, but we are afraid of making a mistake with what little money we have!

So our current plan is to open a Roth IRA with $1000 initial investment and $200 a month while we continue to build our income, pay down debt aggressively, and save more in our emergency fund. For what it is worth, we have no high interest debt or credit card debt. Just a house (3.5%), one car (2.9%), and student loans. We are going to open the IRA in my husband's name with me as the beneficiary because he is two years older and can start drawing from it penalty-free earlier. Within 2 years, we will be able to contribute the max of around $450/month to meet the annual $5500 cap on that account. Meanwhile, we want to find new jobs and hopefully max out 401K contributions before Roth contributions but we will just have to cross that bridge when we get to it. We have pretty meager retirement goals, we plan to have a home paid off and live below our means as we currently do, hopefully travel a little and help our family when they need it.

So with that background, I need some guidance in choosing where to open the IRA and how to invest. Mutual funds, index funds, stocks, bonds, etc... it is all very overwhelming. So far I have been looking at Vanguard and investing in their index funds, or ScottTrade and investing in mutual funds. I am unclear about how much work this will be on our part -- in a perfect world the money would be automatically transferred from our checking account each month and be invested into the most promising place without any work from us. Of course we will check it periodically, but I don't want it to be a daily topic of discussion or something we have to actively worry about month to month. Since we are looking at 40+ years before retirement, we are comfortable taking more risk with our money now and riding out the market and changing our portfolio to a high percentage of bonds down the line as we near retirement.

Any advice you can provide would be very much appreciated. Thank you in advance!

Investing Deals
Taking out a Credit Card Direct Deposit
Added on : Tuesday May 20th 2014 07:00:10 AM
g: -1 Posted By: bigdinkel
Views: 45 Replies: 1 I'm currently being offered a 0.00% APR on a Credit Card Direct Deposit till 02/2016. There will be a 4% transaction fee, but I've thought about investing the money with the idea that I can make over 4% in gains in 21 months. The risk is the 14.99% go to rate after 02/2016 if I don't have the Principal paid for, but I thought this is a way to get access to easy money for investment purposes. I will be borrowing about 10k and this will not put my financial life in jeopardy.

Anybody ever done this before?
Credit Deals
Broker/Dealer for Personal Investments in Stocks/ETFs
Added on : Tuesday May 20th 2014 06:00:08 AM
g: -1 Posted By: ISiarhei
Views: 41 Replies: 1 Hello,
Looking to open my first account for personal investments. Looking to buy individual stocks and may be ETFs.
Looking for low cost, cheap executions, ease to add/withdraw funds.
What company would you recommend? Looks like there are ton of them:
ETrade, Fidelity, Ameritrade, Schwab, etc..


Investing Deals
Soliciting advice regarding housing situation
Added on : Monday May 19th 2014 10:00:14 AM
g: 1 Posted By: investingstuff1971
Views: 134 Replies: 2 Hi,

I am trying to help a good friend get her life together and one of the first things to figure out is what to do about her living situation. I will try to describe the situation as succinctly as possible. In 2005 her then mother-in-law borrowed the money to have a house built for her son and my friend. As near as I can deduce from the public records, the total amount of money borrowed was $91,000, split between a first mortgage and a HELOC (presumably to get around mortgage insurance). Later in 2005, she quit claimed the property to her son and my friend so, as I understand it, there are currently three names on the title, the mother-in-law, her son and my friend. In 2006 she took out a second mortgage against the property in the amount of $23,000. My friend is almost sure that only the mother-in-law's name is on any of the promisary notes. In 2009 or 2010, my friend and her husband divorced. I don't know that details of that proceeding beyond the fact that there were no lawyers involved and I would imagine that there weren't many assets to distribute.

In any case, my friend got custody of the three children and the house. She has for the last four years dutifully made the mortgage payment (which are $800/month) on her mother-in-law's note. I am trying to figure out what the payoff is for everything, but the house is almost definitely under water by at least 10 or $15k. There is a lot of tension (much of which is unrelated to the house) between my friend and her ex-husband's family and I think that it would be really healthy for her to simplify their relationship by leaving the property. My friend is open to the idea; the house has a lot of sad memories for her and she would almost certainly be able to find something nicer to rent for less money. (we live in a pretty economically depressed area) I really don't want to give her bad advice though which is why I'm soliting the fatwallet forums for their thoughts. Were she to leave the property I don't know exactly what here mother-in-law would do, but I would imagine that she would try to do a short sale. What if the house went in to foreclosure though? If that were to happen, how would that affect my friend who is one of three names on the title but not party to any of the notes against the property? I'm trying to encourage her to talk about the situation with her mother-in-law so that she can extricate herself from the situation in the manner that does the least harm to the both of them. Frankly here mother-in-law has treated my friend very, very badly, but she was nice enough to help them buy the house and neither of us want her to suffer a foreclosure if it can be helped.

Anyway, I know that this was all a bit rambling, but I'd love to hear any thoughts that anyone might have.
Personal Finance Deals
g: 0 Posted By: kickerstarter
Views: 64 Replies: 1 Just received from my inbox. Pay attention to the highlighted text:

"Make a net deposit, transfer or rollover, less applicable withdrawals, into one account within 90 days of entering the promo code. Assets must be valued at $10,000 to be eligible for a $100 bonus; $25,000 for a $200 bonus; $50,000 for a $300 bonus; $125,000 for a $600 bonus; or $250,000 for a $1,000 bonus. Enter promo code SPRING1000 for new accounts, or 1000SPRING for existing accounts, by 8/31/2014. Corresponding transfer must be completed to the same account within 90 days after the code is entered. Valid for new or existing IRA, Individual, Joint or Custodial accounts only. Not valid for ESAs. Customers whose account(s) previously qualified for an asset transfer offer are not eligible for 6 months from previous fulfillment. Bonus will be awarded to your account within 4-6 weeks following 90 day qualification window.

...

Bonus is not available for withdrawal for 180 days after it is awarded. Assets transferred into your account to qualify for the bonus must remain in the account (minus any losses related to trading or market volatility) for at least nine (9) months or your award may be reclaimed by ShareBuilder. Transfers from an existing ShareBuilder account, or from a Capital One 360 IRA to a ShareBuilder IRA do not qualify. Offer is not valid with any other offers and is non-transferable. Limit one account bonus per unique Customer. ShareBuilder reserves the right to terminate this offer at any time and to refuse or recover any promotion award if we determine that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of Capital One ShareBuilder's Account Agreement have been violated. "


Reward (not annualized):
$10K - 1%
$25K - 0.8%
$50K - 0.6%
$125K - 0.48%
$250K - 0.4%


Investing Deals
Fidelity Account Frozen / Restricted
Added on : Saturday May 17th 2014 06:00:05 PM
g: 0 Posted By: Keysersoze617
Views: 143 Replies: 6 I've had a brokerage account with Fidelity for 8 years under a corporation that I own and just recently (within the last 2 weeks) opened up a personal account and transferred all the equities and cash to that account. Today I tried to activate my debit card tied to my Fidelity brokerage / cash account and the operator stated that Fidelity canceled the card. I thought that was strange so I contacted Fidelity to investigate the matter. After speaking with a customer rep, she informed me that Fidelity did indeed cancel the debit card, and not only that, basically froze my account. As of now, I am unable to buy or sell stocks / securities or write checks from the account. She did say that Fidelity will liquidate my securities, my kid's 529 College Plan and cut me a cashiers check and send me on my way.

She also informed me that a letter was sent out Friday notifying me that they are discontinuing service to my account. The letter states that they were recently notified by a industry reporting service of a public record involving me and my activities, and in light of this report they find it necessary to discontinue service to my account.

I have no idea what this could possibly be. The only thing that I can think of was that I recently sold a business and with those funds paid off 2 mortgages, some of which I wired out of my fidelity account. I also bought some precious metals and withdrew some cash ( under 10k) for a vacation i'm going on. I have moved a decent amount of cash around in the last 2 weeks. Would that set off some type of red flag?

​ I went and downloaded my credit report to see if something was on there and found a 10k tax lien, so I'm not sure if that set something off. Regardless of that I have a 800 credit score.

Has anyone experienced this with Fidelity or any other brokerage firm?
Investing Deals
First Trade Union Bank $10 a month for 5 monthly ACH, any amount.
Added on : Saturday May 17th 2014 10:00:15 AM
g: 0 Posted By: DWooley
Views: 221 Replies: 0 Start earning more from your checking account!
Earning more is important to you, which is why we give you more ways to earn money with First Trade.
For a limited time, get up to $50 with your FT Checking by setting up direct deposit!1
Here's how to get your $50:

Set up a qualified recurring direct deposit into your FT Checking account
Earn $10 a month for up to 5 months as a bonus into your account

Hurry this offer ends on 6/30/14! Setting up direct deposit is easy. Simply download our convenient direct deposit form, complete it and provide it to your employer or source of income.

1) Open a new FT Checking account by 6/30/14. Application must be submitted by 11:59 PM ET on 6/30/14 to qualify. First Trade Union Bank will deposit $10.00 into your FT Checking for up to five (5) months for every month a qualifying recurring Direct Deposit greater than or equal to $100.00 is credited to the FT Checking account. A qualifying recurring direct deposit is defined as the direct deposit of a paycheck, salary, pension, or government benefits electronically deposited by an employer or an outside agency. Bank-to-bank transfers between accounts held by the same individual, transfers between accounts both held at First Trade Union Bank, and deposits made via a banking location, ATM or remote capture process (phone, tablet, scanner) do not qualify. In the event that we determine in our sole discretion that the activity on your account does not qualify, we will not be obligated to credit your account with the payout. Direct Deposit must be credited in the following months in order to qualify: April 2014 - December 2014. After the first month that the Direct Deposit is credited to the FT Checking account, individuals will then have up to four (4) consecutive months to have a Direct Deposit credit their account and earn the $10.00 bonus. If no Direct Deposit is credited in a given month, the individual forfeits the $10.00 bonus for that month. Minimum dollar amount to open an FT Checking Account is $100.00. FT Checking account balance must be greater than $100.00 at the time the bonus(es) are credited to the account. The bonuses will be credited to the FT Checking account within 60 calendar days after the Direct Deposit has been credited to the FT Checking account. The cash bonuses are limited to one (1) per individual. If an individual opens multiple sole or joint FT Checking accounts, he/she is only eligible for one (1) direct deposit bonus. Businesses are not eligible to receive a bonus. The cash bonuses credited to the FT Checking account will be reported to the IRS in the form of a 1099-INT. Recipients are solely responsible for any applicable federal, state and local taxes. Please consult a tax attorney if you have any questions about this offer. This offer is valid for FT Checking accounts only. Individuals that opened checking accounts in 2011, 2012 and/or 2013 that received bonus payouts tied to direct deposit promotion running during that time period do not qualify for this promotion. First Trade reserves the right to discontinue or modify this offer at any time. Rate tiers are as follows: 0.00% APY applies to balances of $0.01-$999.99 and 0.05% APY applies to balances the entire balance of $1,000.00 and up. Rates may change after account is opened. Fees may reduce earnings. Annual Percentage Yield (APY) is accurate as of 5/17/2014.
Investing Deals
UCLA vs USC Decision
Added on : Thursday May 15th 2014 04:00:06 PM
g: 1 Posted By: mateoeyoo
Views: 102 Replies: 2 Hi everyone, I'm a 2nd year community college student and I'm transferring after this Spring semester. I'm interested in Business (accounting and finance), and I have been admitted to UCLA and USC. Hopefully some of you can give me some insight on which decision would be the better choice for me.

At UCLA, my major would be Business Economics (or Economics if I don't fulfill the GPA requirement). My net costs would be $13k a year, after financial aid. What appeals to me at UCLA are their attractions outside of campus (Westwood, Beverly Hills, Malibu), their worldwide name recognition, their esteemed dining food, and their generous financial aid. Nonetheless, not studying business takes me aback. The Business Economics major itself is not a conventional business major, it is majorily econ focused. Is it accurate to say that an accounting undergraduate is qualified for all the occupations an economics undergraduate is qualified for? Or, can I expect to have the same jobs?

At USC, my major would be Business Administration (Marshall School of Business). My net costs would be $26k a year, after financial aid. The prestige of USC's business program is always connected to their admirable networking opportunities, like the probable chance of sitting next to the son of a CEO of a fortune 500 company in class. Is this alone worth $26k a year--taking out student loans? Everyone advises that I go to USC because I'm a business major and the connections there are illustrious. However, there are some cons that alarm me. I'm uneasy knowing that safety is questionable outside the campus, there is a lack of reputation for a USC degree outside of California, and the overall cost to attend is twice as much as UCLA's. Does having a business administration degree from Marshall give me a significant advantage looking for jobs in California?

I know this choice should be made on what I want to do as a career, but I am unsure on what I want to do after my undergraduate studies. I know I want to start working after but doing what beats me. I like accounting because it allows me to dissect business decisions and advise. I like finance because I'm infatuated with numbers and investing. Moreover, I love interacting with people, but I am oblivious to the possible jobs that fit my nature. I have researched possible job opportunities with a degree in Business Administration and Economics, but because of my ignorance in their job responsibilities and their quality of employment, I just figured I would enjoy a consulting or advisory position compared to an analytical position that works in a cubical. What kind of occupations can I pursue with an economics or business degree that will match my personality and have reasonable pay and working hours?

Thank you in advance.

Edit: Is the networking at USC priceless?
I don't know how to feel about pursuing an MBA. What should I consider in my decision to go to graduate school?

Edit 2: I don't plan to stay at either university for more than two years.
New User Question Deals
Looking for a whole bunch of advice on saving towards a home
Added on : Thursday May 08th 2014 06:00:06 PM
g: 0 Posted By: SyZpuzzler
Views: 84 Replies: 3 Hello,

Here is my entire backstory since I feel it is at least partially necessary to understand the situation:

29 years 5 months, currently working at Allstate making 39k a year in CA. UCLA degree in stats. Didn't finish until I was 26, long story. Current financial situation is:

Renting for $600 a month
12k student loans to one company, 17k to another. Total 29k, anywhere from 2.1% to 5.8%. $130 min payment for first, $210 for second
8.5k lien to Toyota for my 11 Yaris with 55k miles, should last a good while. 1.9% interest. $190 min payment
3.3k balance on a 4.8k limit with something absurd like 15% interest. $72 minimum payment
Car insurance + phone = $180 a month
Gas = roughly $75 a month
Food = varies

Other than that, I don't have many expenses. I go out with my girlfriend of 11 months, sometimes we eat out, or go into San Francisco (I'm currently in Pleasanton), go shopping, buy jigsaw puzzles, etc

Doing the math on the salary, after taxes and health insurance I pocket around $1200 every 2 weeks = $31.2k net a year

My plan, up through last week, was to pay off that 40k debt ASAP and then save for a house, with the aim of only ever purchasing one house in an area I really wanted. At that point I would be married, still single, whatever

At work we had a financial planner come, and he looked over everything and told me I was wrong.

Being good at math and logical thinking, he explained it to me this way:

Instead of paying off your 40k debt asap, you can make minimum payments and open up a savings account with the sole purpose of putting away money each paycheck for real estate. This money is not a 'savings account', it's just named that. This is not my money. I can't go take out 6k in a year when my car dies and I need it. This is another debt, and we can think of it as 'Jeff's future home purchase'.

This is where a part local to me comes in: Livermore, CA supposedly has a buyer program where you only need 3% down. 300k average condo prices, that's 9k. 200 a paycheck for 2 years is about 10k. I would then purchase a condo, mortgage the rest, and continue to do that while paying my minimum debt payments for a few years while the value hopefully goes up. Being that Livermore is a good, growing town in the Bay Area, the odds of this are strong. I would then sell, take the extra money and use it as a down payment on a bigger property, and continue this until I eventually have an actual 2k square foot, 3-4 bedroom house.

He said 'this is how you get wealthy and provide for your family. You can't not take any risks or else you won't own anything until you're 40'

My questions are this:

Supposedly, you can't get a mortgage for more than 34-40% of your total income after debts. The mortgage on that property would be something like $1800, which means I would need a salary of $60k. I can see a few raises within a few years which would put me between $45 and $50, but not $60.

Also, if this program is cancelled or changes, I can't afford it and interest on my other debts are accruing

I always thought you wanted 20% down to avoid PMI, but he says you don't. You need to get in a property you own immediately and start building equity.

My credit is fairly good, I don't know the actual # but I'm pretty sure I will be at least 730, which I understand is the cutoff for the best loans.

If I were to open a savings account for this reason, where should I go and why?

Is this guy right? I just don't see how I'm supposed to be able to afford an $1800 + mortgage, $500 + in other debts, and other expenses when my current monthly take home is ~ $2,500. And even if I got to a point where that was say $3,000, and my debts + mortage would be $2,300, I COULD live off $700, easily. But a bank wouldn't give me a loan because my debt to income isn't high enough

He's worked at this company for 20 years, he's well-trusted, Allstate is a big company and wouldn't have somebody giving this kind of advice if it weren't true or beneficial

I just don't see how it can work

Thanks

Investing Deals
Influx of cash - 529 or something else?
Added on : Thursday May 08th 2014 01:00:05 PM
g: 0 Posted By: Corak
Views: 158 Replies: 0 Hi all - long time lurker, first time poster.

I've got about $45k coming my way from the sale of company stock (employee stock purchase plan, RSUs, etc.) due to cash out from acquisition. My wife and I have talked about saving away at least 20% of it (thinking around $10k). The rest is another matter - maybe we'll increase the amount we sock away, but we've got some house projects to fund that we've accounted for.

Since our Roth IRAs are maxed, and my 401k is being funded to reach the max (wife has no 401k at the moment), no credit card debt, we were thinking a 529 would be the next logical step. And, to follow the thinking, our state of MN doesn't look to offer a tax deduction, so no benefit in going with the state plan. So I was mulling between the UT plan and the plan offered through Fidelity (NH). UT b/c it looks to be highly regarded here, and Fidelity b/c of convenience since our other plans are with them. Currently UT has a .20% total fee for a 100% equity plan while Fidelity (NH) has a .19% total fee for a Spartan 500 Index or Total Market Index plan. Seems the Fidelity plan has the slight edge, so I was wondering if I was missing something else in the comparison? Also, does my savings plan outlined here follow the logical progression?
Investing Deals
Alibaba IPO
Added on : Tuesday May 06th 2014 12:00:06 PM
g: 0 Posted By: CptSavAHo
Views: 175 Replies: 2 Alibaba, arguably the world's biggest e-commerce company, filed paperwork on Tuesday that sets the stage for what could be the biggest initial public offering in U.S. history.

The Chinese tech behemoth filed with the Securities and Exchange Commission to raise $1 billion, but that figure is seen as just a placeholder. Analysts have said it could haul in more than the $16 billion Facebook raised in 2012

http://money.cnn.com/2014/05/06/investing/alibaba-ipo/index.html

So basically the world's largest portal for counterfeit goods and grey market products is about to become a publicly traded company on the US stock exchange. How on earth this is even under consideration by the SEC is beyond me.
Discussion Deals
How do i open brokerage account if i am not a US citizen?
Added on : Tuesday May 06th 2014 08:00:18 AM
g: 0 Posted By: themuffffin
Views: 86 Replies: 2 I am located in Latvia, and seems like none of the brokerage companies accept my country. I am mostly interested in Scottrade or TD Ameritrade but i will look in to other prototype's
Investing Deals
Why GOOG is down so much?
Added on : Monday May 05th 2014 10:00:41 AM
g: -1 Posted By: bandyopa
Views: 169 Replies: 3 Both GOOGL (class A) and new GOOG (class C) are down near $530 from $620 about six weeks ago. Anyone know why? I thought GOOG should be up because they still have the innovators, Page and Bin, in the company. Google must be worried, and should come out with something new which market hasn't anticipated soon. Any thought? Would you hold or sell Google stocks?
Investing Deals
Daughter graduated, now how can I help her long term?
Added on : Monday May 05th 2014 05:00:13 AM
g: 1 Posted By: jesrf
Views: 204 Replies: 9 On Saturday my daughter graduated from college. For the last ten years I have been saving $125 a month to help pay her way. I ended up paying for half, she took loans for the other half. She has about $30k in debt. I wanted her to have some "skin in the game" so she valued it more, & I believe she has.

I still want to help her, my question is how is the best way? I could help with her loans, but I think that's dumb. I considered investing a portion of the $125 in an ira or Roth (maybe 50-75 a month) and putting the rest in a joint account. Just till she's established and making her own way comfortably.

Im really at a loss how best to help her long term, I know some will say I should just keep the money, get a new crown Vic, spend it on H & B, but, I think I want to give her the help I never had. Any suggestions greatly appreciated....

Personal Finance Deals
How to buy Fix CD Bond from a brokerage?
Added on : Sunday May 04th 2014 03:00:05 PM
g: 0 Posted By: DFW06
Views: 122 Replies: 2 Sorry, if this has been asked before. I have searched but no specific answer to my question. So I'm been looking at fixed income trading in my brokerage account (Tradeking), and there is a 10 year 3.335% fix non-collateral CD bond. Does it mean that the rate is guaranteed and not fluctuate up and down? Since this is a CD bond, do i loose money if interest rate goes up? I have a little extra money and willing park it there for 10 years. Has anyone ever bought these type of securities before? thanks for any clarity on this!!
Investing Deals
Hanscom 6% on up to $500 per month for a year
Added on : Sunday May 04th 2014 08:00:07 AM
g: 0 Posted By: cameron2003
Views: 114 Replies: 0 https://www.hfcu.org/cu_thrive.html~~Saving is Easy with CU Thrive
The key to building savings is consistencyWe'll reward your efforts with a terrific rate, which you'll earn for one year on your CU Thrive account.
You can begin with as little as $5 or as much as $500 per month, which will automatically transfer from your Hanscom FCU checking account to your CU Thrive account.
View the CU Thrive Disclosure (PDF).

CU ThriveRates effective May 4-10, 2014
Dividend Rate APY
5.84 6.001
1APY = Annual Percentage Yield. No minimum balance requirements apply to this account. Rates for a CU Thrive Account are fixed for the full term (12 months) with a maximum contribution amount of $500 per month. You may schedule transfers up to $500.00 (minimum $5.00 ) each month from a Hanscom checking account. This account will not automatically renew at maturity. Please refer to the Disclosure for Personal Accounts for more information. Early withdrawal penalties may apply to certificates. Fees may reduce the investment below the principal held at the beginning of the term. To open an account click here, stop by any office or call our Member Services Department at 800-656-4328.
Investing Deals
is jcp still a buy or should i not touch it?
Added on : Wednesday April 30th 2014 08:00:12 AM
g: -2 Posted By: lonelyaccountant
Views: 255 Replies: 16 friends say jcp is still hot as a buy stock. are they correct?
Investing Deals
comparing managed accounts.
Added on : Wednesday April 23rd 2014 06:00:05 PM
g: 0 Posted By: mk1039
Views: 97 Replies: 0 hi, companies like betterment and fidelity provide managed account services. betterment charges .25 while fidelity charges about 1 % for managed account

here is the link for betterment
https://www.betterment.com/portfolio/

and here is for fidelity link
https://www.fidelity.com/managed-accounts/services

i am not very knowledgeable when it comes to investing but wondering if fidelity is charging much more than betterment, is there any special thing about fidelity managed account which is not there in betterment ?
The Fundamental Investment Discussions Thread
Added on : Wednesday April 23rd 2014 10:00:10 AM
g: 4 Posted By: dshibb
Views: 143 Replies: 1 This thread needs to be created separately from the Individual Stock Discussions thread.

The Individual Stock Discussions thread has been overrun by:

Day Trading
Insane volume of options trading
Excessive turnover
Pop culture herdstocks like GOOG, AAPL, AMZN, NFLX, FB, etc.
A gambling culture

This is likely due to the fact that those that day trade the most and care the most about minute by minute prices will post the most. For this reason, I'm creating this thread to separate out a discussion about individual investments that are longer term in nature.

Reason for Creating Thread

Like it or not, there are a lot of people coming to FWF looking to know where to invest money without reading much before. This is evidenced by all of the "What do I do with $x" threads.
Like it or not, many wont agree to "set and forget" index or mutual funds for all of their money
Maybe others will agree, but I don't like the only thread here devoted to individual positions being one that shows day trading exclusively in a Yahoo message boards sort of way.
If FWF is going to have discussions about individual investments/trades than it will be an improvement to also foster a thread focused on longer term ideas than just short term activity.
I think that the current Individual Stock Discussions thread fosters an image of active investing asbeing sexy, simple, and thoughtless.Thislikely encourages novices to fall into a false, naive sense of security about trading. A longer term focused investment thread would likely produce the opposite effect of discouraging novices from actively picking positions by displaying investment selectionas hard, complex, time consuming, dry, and dense.

What this thread is not

This is not a thread for extolling the virtues of index funds there is an entire forumBogleheads,devoted to that.
This is not a thread to just post each and every buy or sell order you execute
This is not a thread to drop your opinions on each and every quarter about whether abc company will surprise higher or lower
This is not a thread to repeatedly post pricing activity on positions because such short term pricing should be irrelevant to the discussion


A few notes

Unless quoting and discussing previous ideas all new ideas should involve longer posts typically written in thesis form
Investment ideas can involve any asset class, an entire sector, country, strategy, pair, etc. The only criteria is that:

It bespecific enough to discern a unique viewpoint from the general market and thencommunicate that
That it be for a viewpoint that that has at least a half a year time horizon

An example of a solid initial idea postwould involve ( in practicecover as many as you can):

A discernible investment idea
A time horizon by which you are looking at the idea (i.e. many ideas can be both bad in lets say a6 month time horizon andgreat in a 3 year time frame)
A clear summary rationale as to why it is represents an attractive investment to make
A series of facts, numbers, etc. that back up thethesis
An acknowledgement of what risks you are intentionally choosing to bare
Metrics or fact pattern by which you see the thesis as playing out as suspected
Pitfalls you see that could prevent the thesis from playing out and why you think they wont happen
What you define as a successful realization of your thesis and subsequent exit strategy
A general explanation as to how much the ensuing circumstances would have to deviate from your thesis in order for you to drop the thesis



Maybe this will work. Maybe this will flop, but given how the Individual Stock Discussion thread has gone I thought this was worth a shot.

Investing Deals
Simple IRA transfer to Roth IRA? - leaving job
Added on : Wednesday April 16th 2014 02:00:05 PM
g: 0 Posted By: karinnc
Views: 99 Replies: 1 Hi everyone,
Young investor and have a question that I need guidance on. I currently have ~$10k in a Simple IRA with my current employer. I am leaving this job soon to go back to school to get my PhD. My question is this...can I easily transfer this to a Roth IRA and do you think that would be the best thing to do? Also, I am not happy with the current advisor (AXA). They have offered NO advice to me these past few years. My contributions have been $9506 since 2011 and there has been a gain of only $700. Is that normal in this market? I will definitely be going with a new company and hope to have an advisor that can actually educate me and assist me. When I met with the AXA advisor, he said they weren't legally able to give me advice on my account or what funds to purchase.
Investing Deals
Dividend Stocks/ETFs vs Rental Properties
Added on : Tuesday April 15th 2014 06:00:19 AM
g: 0 Posted By: wado1
Views: 109 Replies: 5 I am coming into some money and I am trying to figure out of the 2 investments in the subject line, which would be better for income only. I've thought about it, did research and it seems the dividends win every time. I think I am over looking something so I bring the question to you guys. Lets say I have 200k to invest:

Example 1 : For math's sake, let say in my area it's an avg of 50k to buy and rehab a home and the rent is $1000 a month. If I get 4 homes, that's 4k a month in gross revenue but maybe around 2k in profit after expenses and holding costs etc.
Example 2; I invest in 200k in high yield stocks/ETFs like IST, GF, MORT. That gets me approx above 5k a month in profit with very little if any expenses.

This looks like the stocks win hands down, am I looking at this incorrectly? Why isn't everyone doing this? I need a different set of eyes.
Investing Deals
No more grandfathered WellsTrade Free PMA Trades?
Added on : Saturday April 12th 2014 05:00:04 PM
g: 0 Posted By: martint
Views: 128 Replies: 0 I have a WellsFargo WellsTrade account opened a few years ago that was grandfathered into the free 100 trades/year if linked to a PMA checking account. My most recent statement indicates these are going away as of June 30th and will be replaced with $6.95/trade.

Time to change brokerages?
Investing Deals
withdraw money from Roth/Traditional for down payment
Added on : Saturday April 12th 2014 04:00:05 PM
g: 0 Posted By: faltutp
Views: 87 Replies: 8 Context: 1st time home buyer. Have Money in savings to pay for decided down payment for home.Both Wife and I have Roth and traditional IRA. Roth is open for 5+ years. My Roth has 2K Capital gain and 15K of my added contribution money. My wifes Roth has 7K Capital Gain and 15K of contribution money. My Traditional IRA has 6.5K of profit and 20K of contribution money. My Wifes Traditional IRA has 4K (with $850) loss. Besides this have 175K in my 401K and 10K in wifes 401KStock market has taken beating in last few months (as I am in high quality growth stocks) Both wife and me are in mid 30s.

Question: Should I/Wife withdraw from Roth or traditional IRA for part of down payment and keep more savings account money as it is (gets 0.85 interest rate). I know the annual max of 10K each from roth/traditional withdrawal limit. Also am aware that 1st money that will come out of Roth is contribution. If I pay down payment from savings I will still have 1+ year of expense cushion. Thoughts? Suggestions?
Investing Deals
Free!!! A BiggerPockets Guide: How to Rent Your House [Kindle Edition]
Added on : Saturday April 12th 2014 03:00:03 PM
g: 0 Posted By: fredymendez
Views: 193 Replies: 1 4.7 Stars out of 5.0

Described as "hands down, the best freaking article on renting your home, period," this short, easy-to-read guide from BiggerPockets.com - The Premier Online Social Network for Real Estate Investors - is packed full of actionable tips gained from years of real estate investing trial-and-error. The techniques shared within this guide will walk you through the entire process, step-by-step, to get your home rented with the least amount of stress possible.

From "the five initial questions you must ask yourself before getting started" to the final handing off of the keys, this guide is the definitive guide for any landlord. No matter what your background, this guide from BiggerPockets.com will help you gain the knowledge needed to successfully rent your property out to quality tenants who pay on time, won't trash the home, and will help you build your wealth.

Link
Books & Magazines Deals
Should I care about TransUnion? Too few accounts?
Added on : Friday April 11th 2014 06:00:07 PM
g: 0 Posted By: doublePie
Views: 91 Replies: 0 Last year, my husband and I refinanced our home from a 30 fixed 6.25% FHA to 15 fixed 3.25% conventional. The monthly payment only increased about $50 and $23 of that is PMI will drop off in August (I've confirmed). At that time, both of us had a credit score with each of the big three within 20 points either way of 800.

A year later, my husband applied for a Sallie Mae Mastercard and the score they used to issue it was 732 from TransUnion.

Reasons:

Number of accounts with delinquency
Proportion of loan balances to loan amounts too high
Too few accounts currently paid as agreed
Proportion of balances to credit limits too high on revolving accts

Gross income was $71,000 last year, which has been steadily rising for the past 7 years. Net take home is $4050 (after 401K, health insurance, HSA, United Way).
The mortgage was $103,000 on a $123,000 property.
Card 1: CreditFirst (Firestone): We have it for the discounts and promotions. Paid off every month with the exception of one month in 2011 when we forgot about it and it went 30 days over. D'OH.
Card 2: Brand new Sallie Mae card with a $12,500 limit.
Card 3: Very vanilla VISA through our credit union. $13,500. Paid off every month, no exceptions. Averages about $1500/month. It is used for pretty much everything -- gas, groceries, cellphone bill, internet, home improvement stuff, restaurants. According to TransUnion, it had a high water mark of just over $7000 at one point in 2011, but even then I believe it was paid off the same month from savings.
New car loan of $16,300. The first payment is due at the end of this month. $4000 down payment. 2.6% for 60 months (2013 model didn't qualify for promotional rates)
Mortgage is $872 total with principle, escrow, and interest. If you haven't gathered from the fact that it's a $123K house... we have no HOA fees.

(EDIT: I should add that my own credit union VISA runs about $800 per month, just to give a fairer idea of the total household picture. That's the only thing i have in just my name).

I have no significant income and that will not change for several years. I'm just home with the babies right now.

Our proportion of loan balances to loan amounts will fall off as soon as our brand new loans have shrunk with time and payment and the one delinquent payment we've ever made just is what it is. So is the answer to actually open up another credit card or two, pay on the loans as scheduled, and work to get the number back up OR is it to just not worry about TransUnion since we're not using credit for anything in the near future anyway and 732 isn't really bad?

Meanwhile, my score from Equifax was 832 (husband's was 794) and I haven't had any income not reported on a 1099-MISC in about three years.

And since I've typed all of this out anyway, any general advice on handing our current cash flow and debt? We have an emergency fund but haven't set up college savings for the kids yet, in part because once I go back to work, we will have an entire extra income of about $35,000 net to put towards education and retirement.


Investing Deals
Looking for firm offering best bonus for opening traditional IRA
Added on : Friday April 11th 2014 03:00:06 PM
g: 0 Posted By: desikid
Views: 66 Replies: 2 Hi,
I am looking for firm offering best bonus for opening traditional IRA.
Any pointers?
TIA.
Investing Deals
What online company should I use to buy stock?
Added on : Friday April 11th 2014 03:00:05 PM
g: 0 Posted By: moliuchick
Views: 154 Replies: 1 I have been using optionsHouse to buy my stocks for 2 years. The flat rate is $4.75 per trade. My coworker has been telling me about eOption. She told me the rate is much cheaper, only $3.
I am wondering what company people would recommend? I also have seen some companies that offer money if you use their service for the first time? I wonder if anyone have tried that too? What company do you recommend? I am a beginner in stock trading, any suggestions will be helpful! Thanks!
Investing Deals
investing 50k ...suggestions please
Added on : Friday April 11th 2014 02:00:06 PM
g: 0 Posted By: mk1039
Views: 5 Replies: 0 hi, i have $50,000 that i need to invest but want the Cash Back when needed. i dont want to do trading my self. here are the options i can see.

- open a saving account (online accounts pay around 1%)
- short term CD (online accounts pay around 1% or 2% for short term).
- open managed account with fidelity (fee is about 1% anually).
- open managed account with other small companies like betterment, wealthfront etc (fee is about .25% anually).

what you guys think is the best option and what other options you can think of ? please help
Deposits Deals
Still time to do a Backdoor Roth?
Added on : Friday April 11th 2014 07:00:14 AM
g: 1 Posted By: GTPaPi
Views: 87 Replies: 0 I have already contributed Max to my Roth IRA, but doing my taxes, MAGI is too high to contribute max. It is closer to contributing zero than max. I should have paid attention to it more, but had it all setup automatically. Anyhow, my question is can I still do the Backdoor Roth process. Should i file an extension to get this all done, or just pull out the contributions? Any help is appreciated. TIA.
Investing Deals
Non-deductible IRA vs Taxable account
Added on : Thursday April 10th 2014 01:00:10 PM
g: 0 Posted By: Kinasharma01
Views: 120 Replies: 3 If you over contributed to an IRA, you can either withdraw it or re-classify it as non-deductible contribution. What would you do and why? Keep it as non-deductible contribution and pay taxes in retirement, or withdraw, invest in a taxable account and pay taxes as you go?

I am interested in learning FWF community's thoughts and reasons behind going one way or the other.

PS - let's keep backdoor Roth out for the purpose of this thread.
Investing Deals
Best brokerage to open IRA and 401K
Added on : Wednesday April 09th 2014 04:00:15 AM
g: 0 Posted By: fleetwoodmac
Views: 35 Replies: 0 I need to open 2 IRAs and one SEP IRA for 2013 and a solo 401k for 2014 before April 15, 2014

Merrill Edge and Fidelity comes to mind at first. But I think Fidelity charges for trades the other don't?

Any ideas, recommendations?
Investing Deals
Parents' large assets to Roth best transfer options?
Added on : Monday April 07th 2014 04:00:07 PM
g: 0 Posted By: derfderf1984
Views: 81 Replies: 0 Question: What should my parents do to reduce cost (Tax) and increase amount in Roth or fringe benefits?

Details:
- Dad is fixated/bitter to the fact that he worked hard and was responsible, but will have his assets depleted before most assistance programs kick in while those not lucky enough to get a pension buyout will get the government aid free sooner.
- Generousparents want to get the funds to a ROTH IRA so that my brother and I can inherit the funds andkeep them in non-taxable accounts only taking mandatory withdraws.
- They want to keep the taxes they pay on the transfer to a minimum or receive a benefit that makes up for the tax hit. Today comfortable with staying in the 25% tax bracket.
- Parents are 65ish
- The first world problem is, the stock market gains are more than the amount they can roll over to a ROTH every year thus they will never be able to roll over the whole amount into a non-taxable account.

My thoughts on options:
1) Just stick to the plan the tax hit is not justified until I loose one of my parents. (Pro: keep taxes low Con: may incur taxes later, might not accomplish their goal.)
2) Take more of a hit to get to the point of no reportable income. Then apply for aid programs that do not have means tests to determine eligibility. (Pro: goal complete,minor benefits poor people get Con: lost flexibility in accomplishing goal, feel like deadbeats)
3) Is there a way to take a loan fromyour traditionalIRA secured by some note that the traditional keeps while you fund the Roth with the loan money so it is not income just loan money? (Don't know if doable because it is loan money not earned money going into ROTH)
Investing Deals
The Ultimate Beginner's Guide to Real Estate Investing - kindle
Added on : Monday April 07th 2014 08:00:06 AM
g: 1 Posted By: zenci
Views: 121 Replies: 0 http://www.amazon.com/BiggerPockets-Presents-Ultimate-Beginners-...


Totally Free Deals
g: 2 Posted By: remick
Views: 388 Replies: 1 http://www.amazon.com/gp/product/B00EUN8J5Q

4.9 out of 5 stars (62 customer reviews)

Trading, poker, investing, gambling, starting a business, baseball, betting on lawsuits, innovation, and one insiders story about the rise and fall of Enron.

In "Lucky and Good," John Sherriff, former Enron Europe CEO, shares his insights about what went right and wrong at Enron, his current business of betting on lawsuits as well as tales from the poker table and the sporting world to provide very useful and entertaining advice for anyone in business.


Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 242 Replies: 0 http://www.amazon.com/gp/product/B00EUN8J5Q

4.9 out of 5 stars (62 customer reviews)

Trading, poker, investing, gambling, starting a business, baseball, betting on lawsuits, innovation, and one insiders story about the rise and fall of Enron.

In "Lucky and Good," John Sherriff, former Enron Europe CEO, shares his insights about what went right and wrong at Enron, his current business of betting on lawsuits as well as tales from the poker table and the sporting world to provide very useful and entertaining advice for anyone in business.


Books Deals

Amazon Coupons
Roth as emergency fund
Added on : Monday March 31st 2014 11:00:08 AM
g: 0 Posted By: skh12
Views: 113 Replies: 4 from the archives

my situation

$20k in my emergency fund, should i migrate the fund to a roth ?

should it be a local institution if i need quick access?
Investing Deals
401K Pre/After Tax Rollover Snafu
Added on : Monday March 31st 2014 07:00:07 AM
g: 1 Posted By: gamer83
Views: 46 Replies: 0 I recently started a new job with a new employer. I wanted to roll over my 401K balance to my new employer from my old employer. After calling my new employers 401K line, I was given instructions on how to request a distribution check from my old employer's 401K plan. I had $XXX,XXX.00 in pre tax monies, and $XXX.00 in post tax monies in my old account. I was sent a combined check for the entire amount, and a statement showing the breakdown of the amounts. I then mailed this check into my new company's 401K department. This past Friday I received the check back, with a letter stating my new plan cannot accept after tax monies as rollovers(even though I have a Roth and Traditional 401K account with the new employer). After calling the old employer they say that they cannot unwind the transaction so I must find an institution that does accept after tax monies to avoid the 60 day IRS fine.

So I have two questions:
1. What is the best bank/firm to roll over this amount into? I'm guessing it'll have to go into an IRA.
2. I really don't want an IRA, since my company 401K plan is quite good and 401Ks have better liability protection. I'm thinking of just initiating an immediate second rollover from the new IRA to my new company 401K account for only the pre tax monies. Are there any fees/pitfalls I should be looking to avoid?


Thanks for your time in advance.
Investing Deals
g: -2 Posted By: CaliforniaDriver
Views: 179 Replies: 6 So heres my long story short:
I have about 45k in 401k. Got fired from job (politics).
Once I get the check, I have 60 days to put it in an IRA.
I will initially put it in my brokerage account and double it up in the stock market using margin.
Once it has doubled up, I will be within the 60 day limit and put it in an IRA to avoid penalties.

Back up plan if I pass the 60 days.
I will use the double up money to pay for the taxes and penalties.

Is the 10% withdrawal penalty on contributions or the entire amount?
I only get income tax on capital gains right?

Before you red anything in this topic, I will post my trades here. Mostly option trades (not for hedging but for aggressive action).
I will be using the system that a specific subscription has had good success with options. I wont name it here so that way you dont think this is just to advertise the company here. Dont Pm me for the name of the subscription of the service and I will never put it here. Just the plays.

Investing Deals
IT IS BACK Platinum Amex 40K after $3K in spendings
Added on : Friday March 28th 2014 11:00:07 AM
g: -1 Posted By: mysteryAgain
Views: 90 Replies: 1 lhttps://www304.americanexpress.com/credit-card/platinum/40519
Investing Deals
Pay off zero percent interest loan, or invest? What would you do
Added on : Thursday March 27th 2014 09:00:10 AM
g: 0 Posted By: unkinected
Views: 248 Replies: 10 This is similar to this thread but not specifically regarding credit score.

I have a zero percent interest loan, that through automatic payments is scheduled to be paid off in 6-7 months. But I have cash to pay this off now. The question is should I pay off the loan now, which frees up the monthly income to spend/invest elsewhere, or just wait for it to be paid off in 7 months, and take that extra cash and invest it somewhere?

Investmentmath tells me that I would come out ahead (slightly) by investing the money now rather than later. Inflationary math also says wait to pay it off. Not sure if there's any kind of math that says pay it off now.

Curious how the gang here would approach this.

Personal Finance Deals
g: -1 Posted By: ywd
Views: 158 Replies: 0 March 25 Tuesday. Seven FREE webcasts to choose from means seven opportunities to deepen your investing knowledge, build your confidence, and take control of your retirement plan. Link to details.

If you register for the 1:30p EST (The Truth About Retirement Plans andIRAs), you'll get a free soon to be released book The Truth About Retirement Plans and IRAs. Email webinar confirmation to book@ricedelman.com,receive two free tickets to retirement seminar PLUS a free one-year subscription to monthly newsletter, Inside Personal Finance. List of in person seminars in metro cities list.

Presented by TD Ameritrade

If you missed any of the webinars, get thepresentations downloads
General Economics Deals
Northwestern Mutual (help)
Added on : Tuesday March 25th 2014 10:00:14 AM
g: 0 Posted By: corporateclaw
Views: 100 Replies: 2 I will try and get as much "family nonsense" out of this post (though I do want to vomit a bunch of family nonsense on you guys here) -- basically my dad moved all/most of his retirement assets to northwestern mutual about a year ago. I'm not sure what he's in now, but it's mutual funds and investment-type things that I'm certain are not annuities. This was done because various safer investments at Vanguard were not generating "enough return" and through some sales pitch that his principal investment was "guaranteed" or protected in some way. My question is generally about that second part, I know of no way to have your principal guaranteed in this sort of investment (I know a high rate CD or annuity or something would have that protection, but I don't know how a mutual fund would have that protection). I know that NM could have that as some benefit, but I have been digging around on their site and don't see it.

So (1) does this exist and (2) I know that I"m being a little vague, but that's because I just found out about the move, so is there anything short of asking to see the current statements to figure out what/where he is that I can do?

The slightly longer story (with SOME family BS) is essentially that my parents literally no retirement savings about 7-8 years ago and myself and my wife helped them figure out how to put money together. Due to an inheritance and my mother passing away, the funds they had about 1 year ago are such that I would describe them in this way: My dad has enough money to live on until his death barring some major catastrophic event. Based on this, we put his investments in to safe, but not very aggressive Vanguard funds, because unless we dumped it all into some penny stock and he quadrupled his money overnight a couple times, there was no way that this could be increased to make up for some major catastrophic event (essentially any kind of growth that wasn't insanely risky seemed like it got him to the same place - enough money to live on unless there is a disaster, and any disaster would wipe it out barring an insanely risky investment, which would be more likely to wipe him out anyway). So about 1 year ago, I moved away from the city where my dad lives and less than a month after moving, brother in law (who used to work at NM) helped my dad move all of this into NM. I only found out because working on tax stuff my wife logged into his vanguard account and called me scared that he had been hacked since his account values were zero.

Generally, I'm washing my hands of it, but for my own personal benefit I'd like to have some idea of whether my dad just got completely run over or if this is an actual benefit at NM. (he's pretty giddy about the good return he got over the last year, since obviously middle of 2012 to now was a good time to be in more aggressive funds).
Investing Deals
Transferring to Merril Edge for Boa Platinum Service worth it?
Added on : Sunday March 23rd 2014 12:00:08 PM
g: 0 Posted By: interestedinfw
Views: 5 Replies: 0 I have about 200k in a brokerage and about 40k in a Roth and was thinking of transferring to MerrilEdge for the BoA Plat Plus service? Would also move my bank accts over.

Is it worth it? I figure that way I could get better credit rewards cards, I just applied for quite a few (see my previous post -- Amex BC, Discover it, chase ink and SP, and WF VS 6mth 5% also PF Cash Reward gas) but I'm thinking of getting the Fidelity 2% because all say it's worth it. Trying to figure out some secret formula hidden here too and I guess if I transfered to Boa I could go for the Merril Lynch cards too. My credit isn't bad but is hurt because of the AOR I just did... I think my credit -- I only had the penfed card -- had to be in the 800s because it's around 750 now or my Discover it says fico is 785.

Anyway looking for suggestions, I've been literally spending hours doing all this. Thou right now I'm still in the VR game using them to do the load the usual suspects and get CashBack though only on WF so I don't burn my BC but both has low limits anyway.
Investing Deals
g: 0 Posted By: guy4167
Views: 35 Replies: 0 You cannot get a raise unless its in August when annual reviews happen. 3 years before employer 401k contributions vest. I am a high performer at work and have been recognized as such.

I was hired on in January 2012 at a very entry level salary. I had no experience in the field, was recently out of college, and had no leverage. so I accepted a job paying in the mid to high 30s. August 2012 I was a noob with limited experience who they liked. Got a $1000 raise and a good review. Fair enough. They started grooming me for a promotion in Spring 2013. August 2013 they promoted me at my annual review. Gave me a $2500 raise for both the promotion and annual COL. I was disappointed in this and have felt underpaid since. I cant leave until January 2015 unless I was blown away because I would be losing a lot of money from my 401k (maxed to employer match since i was hired).

What do you think I should do? Very happy with where i work other then the pay. Should I ask for a raise? How would you handle this?
Investing Deals
Student loans vs. investing in employee stock purchasing programs
Added on : Thursday March 20th 2014 08:00:16 AM
g: 0 Posted By: rxgolfer
Views: 34 Replies: 0 Hello, to start it off I am a pharmacy student graduating in May.

What do you all think about paying minimum on my student loans and investing my extra money in my employee stock purchasing program?I know investing in the company you work for is a bad idea for the most part, but with Obamacare on the way, I would speculate the stock of pharmacies will be going up in the future (e.g. RAD from .20 cents to $7 in just a few years; CVS 20 - $80 in 4 years). On top of that, usually, you can buy company stocks at 10-15% discount (but you have to hold for a month to a year.) My average interest rate is 7%, crossing my fingers that my company stock doesn't dip and even possibly increase by a few percent, I could be making 2-7%+> in profit that I can contribute towards student loans later. I know this is risky and very speculative. What are your thoughts? Should I pay my loans off this way??
Question Deals
Can you open a Roth IRA with only reported income?
Added on : Wednesday March 19th 2014 02:00:10 PM
g: 0 Posted By: cheapedy
Views: 147 Replies: 2 A friend and I were discussing this about his nephew (20, part time student) who makes around $3,000 a year from selling tickets on Stubhub , items on Amazon marketplace, garage sales, and odd jobs. He reports this income on his taxes as "Other Income". Asked us for some financial advice.....we said "START EARLY! open up a Roth IRA". He's up for it, but we're unsure if he can. Can he?
Investing Deals
Mid 20s - Traditional vs Roth 401k
Added on : Monday March 17th 2014 03:00:08 PM
g: 1 Posted By: puffycloud
Views: 64 Replies: 1 I've read numerous comparisons about the two options, and most say you pretty much will come out ahead with a Roth 401k even if you invest the tax money from a Traditional 401k. I'm very good about saving and I can afford the maximum contribution amount my employer is allowing. I am wondering if there is something I did not take into consideration, though so far it sounds like I should put my entire contribution into Roth. Also, would there be any advantage to dividing contributions between the two?
Investing Deals
SEP IRA or 401k for small business
Added on : Saturday March 15th 2014 07:00:11 AM
g: 0 Posted By: fleetwoodmac
Views: 83 Replies: 2 I have a small business on the side apartment from my 9-5 job

I already have a 401k thru work and IRA

I want to establish sep IRA or 401k thru the small business I have.

It is a DBA sole proprietary and I am the only one working. This the first year and gross income 13K. I did not file file taxes yet but it will be schedule c

1) can I have sep ira and 401k both thru from small business at the same time?

2) if I want to have 401k thru business, do I have to pay myself salary and thus pay FICA and medicare?

3) fidelity rep told me 401k is not a preferred method he said it is complicated to setup and etc. Can someone chime on this?
Investing Deals
Recharacterization Reversal Roth
Added on : Wednesday March 12th 2014 02:00:11 PM
g: 0 Posted By: jmailey
Views: 38 Replies: 2 Well Guys,

I need some advice here

Last year i put in a contribution into Roth ira for 5500 and it turned to 230k, My income limits exceeded the eligibility this year. So at that point i thought i was in eligible and did a recharacteriztion to Traditional IRA.. While the paperwork was being done by broker, I found later,i would be better off keeping it in the Roth IRA and paying a Penalty on contributions of 6% (330).. I called the broker yesterday/and emailed insiting on canceling this process. The right people to do this had already left for the day as this was 7pm at night. I woke up this morning all the funds have been moved into a Traditional IRA, i guess it was an overnight batch process that was set off. Talked to broker, sent a notarized email saying i made a mistake and would like this reversed as this action never happened.Thebroker is still waiting on the clearing house to see if it can be done. Im a little concerned here obviously the cost of this mistake is huge if i cannot get it back to the roth IRA.. Just in today's valueon a cash out its 80k in taxes, i don't retire for another 30 years, who knows what it'll be then. Has anyone had any luck inReversing a Recharacterization? I keep readingthings but sometimes i think the language of convert and recharacterize are being used interchangebly but they have2 different meanings.


Thanks in advance
Investing Deals
Free Ebooks 3-12-14
Added on : Wednesday March 12th 2014 04:00:09 AM
g: 0 Posted By: jhall1822
Views: 97 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

Real Estate Investing: How to Find Cash Buyers and Motivated Sellers
Rating - 4.3 (28 Reviews)

Real Estate Investing: How to Find Cash Buyers and Motivated Sellers teaches real estate investors and those interested in learning to invest in real estate how to define and Target ideal cash buyers and motivated sellers. The book covers absentee owners, rehab investors, Section 8 landlords, and other buyer types. Some of the marketing topics include mailing lists, postcards, both online and offline marketing strategies along with examples. Anyone who wants to wholesale a house or is curious about flipping houses should pick this book to get educated on cash buyers and motivated sellers for their real estate investing.

The Myth of the Garage
Rating - 4.3 (60 Reviews)

From Chip and Dan Heath, the bestselling authors of Switch and Made to Stick, comes The Myth of the Garage and other minor surprises, a collection of the authors best columns for Fast Company magazine. There are 16 pieces in all, plus a previously unpublished piece entitled The Future Fails Again.
In Myth, the Heath brothers tackle some of the most (and least) important issues in the modern business world:
- Why you should never buy another mutual fund (The Horror of Mutual Funds)
- Why your gut may be more ethical than your brain (In Defense of Feelings)
- How to communicate with numbers in a way that changes decisions (The Gripping Statistic)
- Why the Next Big Thing often isnt (The Future Fails Again)
- Why you may someday pay $300 for a pair of socks (The Inevitability of $300 Socks)
- And 12 others . . .
Punchy, entertaining, and full of unexpected insights, the collection is the perfect companion for a short flight (or a long meeting).

The Diary Of An Inexperienced Father: months 4-9
Rating - 4.6 (5 Reviews)

Things were looking up for Graham Peterson in both his career and his love life at the end of the last book, The Diary Of A Hapless Father: months 0-3′, but things were never going to stay sweet in Grahams garden for long. Having had his proposal to Alison refused and at risk of losing his new job before he even starts, 2013 isnt off to a good start at all. One of the only things keeping poor old Graham going is knowing that the first three terrifying months of his son Charlies life are behind him.
Over the course of six months, in The Diary Of An Inexperienced Father Graham realises just how inexperienced he is not only at being a father, but also in his other relationships and outlook on life.
The only question is, can Graham get his life on track before Charlie is old enough to form an opinion of his dad?

Unleashed (A Sydney Rye Novel, # 1)
Rating - 4.1 (244 Reviews)

The Sydney Rye series of mysteries feature a strong female protagonist and her rescue dog, Blue. It is recommended for the 18+ who enjoy some violence, dont mind dirty language, and are up for a dash of sex. Not to mention an awesome, rollicking good mystery!
UNLEASHED is the first book in Emily Kimelmans best selling Sydney Rye series of mysteries.
When the series begins Sydney Rye is named Joy Humbolt. She does not like people telling her what to do, so it comes as no surprise that she was just fired from her last job. When she buys Charlene Millers dog-walking business on Manhattans exclusive upper east side, it seems like the perfect fit: Quiet environment, minimal contact with people.

But then one of her clients turns up dead, and Charlene disappears. Rumors say Charlene was having an affair with the victimand of course, everyone assumes Joy must know where she is. Joy begins to look into the crime, first out of curiosity then out of anger when there is another murder and threats start to come her way.
When police detective Mulberry is assigned to the case, Joy finds a kindred spiritcynical and none-too-fond of the human race. As they dig deep into the secrets of Manhattans elite, they not only get closer to the killer but also to a point of no return. One last murder sends Joy Humbolt hurtling over the edge. Her only chance of survival is to become Sydney Rye.

FLINDERS FIELD (a murder mystery and psychological thriller)
Rating - 4.5 (13 Reviews)

With a quarter of a million downloads, the bestselling author of Max and The House of the Wicked, D. M. Mitchell has been compared to Dean Koontz, Stephen King, Ruth Rendell, M. R. James, Linwood Barclay, Umberto Eco, the Bronte sisters, Charles Dickens and many others. Discover for yourself why D. M. Mitchell is being regarded by some as one of the UKs most original and exciting writers of psychological thrillers and murder mysteries.
In November 1974, a young woman called Sylvia Tredwin goes missing. Nobody has the faintest idea where shes gone. She was wearing only a light skirt and T-shirt, didnt take anything with her, no suitcase, nothing. Simply went out one dark evening and never returned.
Some say she went off with another man, because thered already been talk in the small Somerset village of Petheram that shes that type of woman attractive, flirty with it, dressed too provocatively. But her husband, Bruce Tredwin, doesnt believe a word of the callous whisperings of the locals as they gossip about his outsider wife. So he never gives up searching for her. A fortnight later on a stormy winters night he finds her. Shes naked in a place called Flinders Field, wandering aimlessly, badly bruised and in total shock. But what she says to him will astound everyone.
She says shes been abducted by aliens, and she was never to be the same again, with tragic consequences
Forty years later and George Lee is coming back to Petheram, the village of his birth. His estranged father has died and there are things his mother would like him to sort out. George hates the village, couldnt wait to get out and make a life for himself as a writer of cheap and gory thrillers. He notices that Adam Tredwin, Sylvia Tredwins son, has also returned to Petheram. As children, the two used to be friends, briefly, before Adams father was killed in the 1980s by a hit-and-run driver and Sylvia took him away from the village.
But its when George begins to tidy out his fathers loft and slowly begins to learn more details about Sylvia Tredwins disappearance that he starts to uncover dark secrets and hidden truths discoveries that will peel back the decades to reveal a labyrinthine world of madness, jealousies, deceit, lies and murder. He little knows his idle quest to find out the truth behind Sylvia Tredwins abduction will have profound and dangerous consequences for all concerned.
D. M. Mitchell pens yet anther taut psychological thriller and murder mystery, set in the claustrophobic world of a small Somerset village, with a bevy of believable characters and a plot that twists and turns in Mitchells inimitable style to a deliciously shocking and unexpected conclusion.

Blood Dahlia A Thriller (Sarah King Mysteries)
Rating - 4.8 (11 Reviews)

A serial murderer nicknamed the Blood Dahlia has been terrorizing the quiet suburbs of Pennsylvania. Brutally mutilating his victims in the fashion of the most famous murder in Hollywood, the killer leaves no trace behind.
The FBIs elite Behavioral Science Unit, the section responsible for the study and investigation of serial murder, has little evidence to go on. Believing the killer to be beyond their reach, the agents in the BSU decide they must simply wait for the killer to make a mistake until they meet Sarah King.
Sarah, a mysterious outcast of the Pennsylvania Amish community, claims she has a unique ability: she can speak to the dead. And the victims of the Blood Dahlia are calling out to her.
When the FBI enlists her help, special agent Giovanni Adami is skeptical of her abilities, but begins falling for the young woman. His feelings for her are clouded with his distrust of psychic phenomena, but as the Blood Dahlia grows in his barbarism, he knows the FBI has little choice but to explore every avenue available.
Whether or not Sarah can speak with the dead ultimately doesnt concern Giovanni. He is interested in results, and when Sarah begins providing some, he must question everything he knows about the world and his place in it. She is either the cleverest fraud he has ever met, or a true psychic with an unexplainable gift.
But when the Blood Dahlia takes an interest in Sarah personally, it will take every ounce of strength she has to survive. And as she prepares for him to come for her, she realizes that not everyone is what they seem
Totally Free Deals
Selling Bonds through ZionDirect
Added on : Tuesday March 11th 2014 03:00:08 PM
g: 0 Posted By: BrunoB
Views: 132 Replies: 0 Based on the following comment I have just read, has anyone on this forum has any experience selling their bonds on ZionsDirect? And if so, is it better than selling on ETrade through bid and ask dealer quote system?

"Investors buying/selling individual bonds should open an account with ZionsDirect. I have been using them for 10 years. The inventory is via bonddesk.com. They charge no markup, only a commission of $9.95 per trade, independent of the size of the trade. I know of no other brokerage that has such a commission structure.

In addition, they have a program that allows investors to put their own bonds up for sale on bonddesk. The commission for this type of sale is $125 but now you sell directly to the public and are not at the mercy of dealers offering you lowball quotes for your bonds."
Investing Deals
401k Question - Non Vested Amount Removed 5 Years Later
Added on : Tuesday March 11th 2014 11:00:08 AM
g: 0 Posted By: atca1999
Views: 83 Replies: 1 Is it cool for that to happen? I mean I guess it was there money, but I left the company 5 years ago, yet it took them 5 years to take it back (approx 2k).. i have a debit on my 401k for 12/31/13 that I just noticed...


is that normal and allowed?
Investing Deals
401k plan failed discrimination tests - what to expect?
Added on : Monday March 10th 2014 11:00:10 AM
g: 0 Posted By: theeipi
Views: 38 Replies: 0 Hi,

My 401k plan recently failed the discrimination tests. As a HCE I was given a refund of my excess contributions of $500.XX. I was also refunded my return on the excess contributions of $12X.XX.

I understand the tests, and how things were calculated, and I can only assume the $500 refund was done correctly. What documentation could I expect or am I entitled to for the profit on the excess contributions. It seems 25% is a bit high. If the $500 was refunded from last money in, I would be looking at only 2-3 months of appreciation. If it was dollar cost averaged across the year, I would have needed about 40% returns to justify that amount. If it was calculated from my initial contribution in January of 2013, I still don't think I averaged 25% for the year.

Thoughts on what I could ask/demand from the 401k administers?

TIA
Investing Deals
g: 0 Posted By: nthoangga
Views: 5 Replies: 0 I'm 24, non-US citizen. I just recently graduate my MS and starting a full time position. My monthly take home is $4750. I'm still living like a college student, so I'm roughly saving about $4k/month now.

I have maximized my IRA monthly contribution to my employers matching. What should be my financial move, from now? I don't want to contribute too much to any retirement account, because I want to have a big cushion that if for some reason I have to go back to my country, I still can withdraw those money without to much penalty.

Thoughts from FWF wiser very much appreciated! Thanks!
[Btw, I'm just starting reading The Boggle Head for Investing]
Personal Finance Deals
Buying Empty Lots for Fun and Profit
Added on : Friday March 07th 2014 07:00:06 PM
g: 0 Posted By: caliness
Views: 23 Replies: 0 I have been thinking of ways to invest in real estate and noticed that empty lots tend to be cheap (for a good reason, of course - improvements do cost money.)

Is investing in empty lots generally a good or bad idea? Below are some pros and cons of buying empty lots that I could think of:

Pros:
- Many different ways to dispose of and profit from empty land (wait a couple years then sell, divide the land then sell, build then sell, divide then build and sell, build then rent - you get the idea)
- Cheaper than improved land
- No maintenance costs
-No need to inspect structures

Cons:
- Improvement costs could be significant (~200k (?) to build a decent house)
- Potential capital gains tax (not specific to empty lots but should keep this in mind)

Any thoughts on whether buying empty lots is a good/bad idea? What should one look out for when buying empty land?
Real Estate Deals
ACH Transfer In/Out Limit Question
Added on : Thursday March 06th 2014 10:00:08 AM
g: 0 Posted By: BrunoB
Views: 77 Replies: 1 I have confirmed that brokers such as ETrade or Fidelity only allow up to $100K money transfer in OR out. I am not sure if Fidelity makes any exceptions since they add for amount over $100K contact us, etc. My question is if there are any legal or technical limits for banks to ACH money in OR out without any limits just like wires that could be any amount?
Investing Deals
Staples shutting 225 stores as sales fall
Added on : Thursday March 06th 2014 03:00:12 AM
g: 0 Posted By: dan812
Views: 150 Replies: 0 https://news.fidelity.com/news/news.jhtml?articleid=201403060703...

When the deals are offered and FW followers go shopping...............
General Economics Deals
100% Sold Out: PM's no more.
Added on : Tuesday March 04th 2014 09:00:10 AM
g: -5 Posted By: greling
Views: 290 Replies: 6 I have sold out entirely of my precious metals positions. I no longer own a single ounce of gold and I am now down to just one Silver American Eagle kept for the memories. After seeing the U.S. economy start to improve with Obamacare and the effects of the stimulus bill, I have decided that I now agree with nycll, the Keynesians and economists like Paul Krugman and Janet Yellen. The U.S. economy is turning around. Gold will crash to less than $600 and the stock market will see higher highs, possibly over 20,000 in the next five years. I will be investing my assets into the U.S. economy and doing my part to support the American Dream. I have decided to split my wealth 50/25/25. Half will go into a total stock market index fund with Vanguard. The other half will be split between i-Bonds and a money market fund. I plan to make a down payment on a home in either California or South Florida. The game is over.
Investing Deals
g: 2 Posted By: remick
Views: 217 Replies: 0 http://www.amazon.com/dp/B00D6ZU1NC

4.5 out of 5 stars (28 customer reviews)
Length: 518 pages

Michael E.S. Gayed clearly explains how this powerful combination of major schools of thought of market analysis can help investors dramatically improve their judgment on likely market performance and spot important trends, thereby making successful investment decisions.

Intermarket Analysis and Investing begins with an overview of investment analysis that examines types of risk and portfolio structuring. Then it moves on to the three prominent schools of thought in market analysis with discussions of:

1) Economic analysis, which is primarily concerned with the state of business, and anticipates phases of economic expansion and contraction by focusing on economic indicators
2) Fundamental analysis, the most widely followed and practiced form of analysis, it looks at the accounting and financial position of companies in an attempt to evaluate intrinsic worth and true stock value
3) Technical analysis or the market-timing school, practiced by "believers in the supremacy of trend analysis," and followers of the ticker tape, It is primarily concerned with the dynamics behind the fluctuation in the price of a stock

This book also examines the positive aspects and pitfalls to contrarian investing, top-down and bottom-up market approaches, comparative market analysis, and common-sense trend analysis.

By integrating economic, fundamental, and technical quantitative analysis into a sensible working framework, Intermarket Analysis and Investing exposes the inherent short-comings of relying too heavily or exclusively on any single approach. Each school of stock market analysis is thoroughly examined so that the reader can understand each approach and how it interacts with the others.

Part II stresses the economic by analyzing the most important aspects of the business cycle, the Fed's role in managing the balance of inflation and unemployment, and factors investors should watch to tame market risk and minimize loss during downtrends.

It is here that the importance of economic indicators is emphasized, with an in-depth discussion of the 11 leading indicators that monitor the economy and help the investor anticipate long-term business trends, the four coincident indicators that help verify the predictability of the leading indicators, and the lagging indicators that help spot emerging structural trends.

Part III discusses the use of fundamental analysis, which compares the growth and finances of different securities and industry groups. It shows how earnings, sales, book value, P/E multiples, leverage, liquidity, and/or profitability of companies are used to reveal the worth of a security as an investment. The commodities market and the effect of globalization of securities markets are also examined.

Part IV shows how quantitative market analysis aids active investors in determining the short-or immediate-term direction of stocks. Intermarket Analysis and Investing shows how to improve investment decisions by integrating the best features of fundamental analysis and some well-known market timing techniques described and illustrated in this section.

The final section of the book provides insightful investment strategies that are based on the intermarket relationships previously discussed. By integrating the methods described in detail in this book, investors stand a much better chance of profiting from market opportunities and of achieving their objectives.

Michael E. S. Gayed was a former senior market analyst at Merrill Lynch where he advised financial consultants on market trends, industry group perspectives, asset allocation, and investment strategies. Mr. Gayed frequently lectured on investment analysis and portfolio structuring at the New York Institute of Finance, Merrill Lynch Training School (Princeton), St. Johns University, New York University, and the University of Arkansas. During a New York Institute of Finance (September 1987) seminar, he forecasted the sharp October sell-off using the multidisciplinary approach explained in this book. Shortly after this, he authored Challenge of a Generation - Beyond the Crash of '87 which provided his analysis of the megatrends that he believed were likely to shape the global economy in the 1990's and beyond. He went on to form successful investment management companies. His son, Michael A. Gayed, wrote the foreword to the re-released 2nd edition of Intermarket Analysis and Investing, hoping to honor him and carry on his name in his memory.

Totally Free Deals
need suggestions for investment
Added on : Saturday March 01st 2014 04:00:08 PM
g: 0 Posted By: mk1039
Views: 46 Replies: 0 hi,

i need suggestions regarding different options i can look into for investment. i have a full time job and i have about 200k in bank. i occasionally do stock trading, however i am not making any noticeable progress in trading as i don't have time, knowledge or concrete info about companies to invest.

i do keep my money in saving account, however as you know most online saving accounts or CD hardly pay about 1-2%.

i want to know, what are the different options i can look into for investing my 200k wisely and get noticeable results.

Investing Deals
Best answer to CC app "investment income" question?
Added on : Thursday February 27th 2014 01:00:12 PM
g: 0 Posted By: dragonwagon
Views: 108 Replies: 2 I had a brief, friendly chat with a Barclay recon agent this morning (original app was a non-instant-decision) who asked me for more detailed information about my annual income. Specifically, she wanted to know how much was earned income and how much was investment income, and then wanted to know whether or not I actually spent the investment income.

I answered "no" to that question and everything went through after we split my existing line of credit off of another card, which is a fine outcome in my book. But is there a strategic "best" answer to the "actually spending the investment income" question? (In my case I feel I could honestly give a "yes" or "no" answer, depending on the perspective you take.)
Investing Deals
Robinhood - Zero Commission Trading
Added on : Wednesday February 26th 2014 06:00:08 PM
g: 0 Posted By: aznshadoboy77
Views: 37 Replies: 0 https://robinhood.com/

Sign up to get early access (it also looks like if you refer people, you get pushed up in line).

Has anybody heard anything about this?
Investing Deals
Advice requested - Semi-Retired - When to circle the wagons?
Added on : Wednesday February 26th 2014 09:00:10 AM
g: 0 Posted By: eddot98
Views: 158 Replies: 5 My wife and I are 63 and 62 years old respectively. We do not have children and have no relatives that we need to provide for. My wife is retired, I am semi-retired. We own our home, own our 2 Camry's, have no credit card debt or any other kind of debt, and have a year's worth of emergency cash earning paltry rates of interest, but are the best available now. We have another year's worth of money in various stocks in taxable accounts. We have beencollecting my state retirement(for 4 years now)that provides 68% of my preretirement salary as long as either I or my wife lives. Unfortunately that amount is not indexed for inflation. We are not collecting Social Security yet, my wife never contributed, butwhen I am66.5 years of age (June 2017), we can collect another 42% of my preretirement salary, with my benefit and her spousal benefit. I have been working part time for the last 4 years, earning an extra 30 to 40% of my preretirement salary, but that is coming to an end very soon. We have $800K in deferred compensation accounts, Roth IRA's, IRA's, and a 401k.Three quarters ofthis money is invested in S&P 500 index funds, with almost all of the rest in the Fidelity Contra fund. I do not like Bond funds, never have.

The question I am asking the FW community finance experts is this: In my deferred compensation plan, there is a Stable Income Fund option, currentlypaying about 1.8% interest, pretty much its all time low due to the current financial conditions. Is it time to "Circle the Wagons", put about $600K into that fund and take a much lower rate of return to be assured that amount of money will be safe. As an aside, we are not extravagant, but live well enough, taking at least 3 timeshare weeks of vacation a year (sometimes flying to destination, mostly not), an off season 2 week trip to Europe yearly, and once monthly weekend trips to nearby destinations. We also have 1 million Marriott points. So, we are enjoyingourselves enough. I do not want the hassle of a second home either.
Investing Deals
g: 0 Posted By: imanemokid
Views: 119 Replies: 0 Free Kindle Book : Bitcoin: The Ultimate Beginner's Guide for Understanding Bitcoins And What You Need to Know (Beginner, Mining, Step by Step, Exposed, Trading, Basics, Currency, Revolution, BTC)

You're about to discover the Crucial information about Bitcoin. Millions of people have made the jump into the cryptocurrency world and it is only growing each and every day. It can be overwhelming if you are looking into taking the plunge because of all the various options and misinformation out there. You also need to understand the risks and benefits of using Bitcoin because people begin without even considering many of the important factors.

This book goes into the origin of Bitcoin, the difference between Bitcoin and fiat currency, as well as how to get started with your own Bitcoin wallet. By investing in this book, you can learn the basics of Bitcoin and a step by step guide to start your own account.Here Is A Preview Of What You'll Learn...

Understanding Bitcoin
The Difference Between Bitcoin and Fiat Currency
Getting Started with Bitcoin
Other Critical Information


Take action right away to invest in your own future by downloading this book, "Bitcoin: The Ultimate Beginner's Guide for Understanding Bitcoins And What You Need to Know", for a limited time discount of only $0.00!

Totally Free Deals
Putting INFINITE Money Into Roth Accounts For Fun And Profit
Added on : Wednesday February 26th 2014 04:00:10 AM
g: 0 Posted By: robronson
Views: 29 Replies: 0 ETrade offers Individual (Solo) 401ks in both Traditional and Roth flavors. The terms of the 401k are in this PDF below:

https://content.etrade.com/etrade/estation/pdf/401kPlanDescripti...

Page 11 lists the rules for a loan. The employer (which is yourself) gets to determine the interest rate for the loan. Which means you can squeeze an infinite amount of money into your Roth 401k. For the people who's head's didn't explode when they read the underlined sentence, I'll explain:

Step 1) Set a ridiculously high interest rate on the 401k Loan.
Step 2) Allow the 401k plan to offer Roth 401k Loans with no limitations.
Step 3) Take out a Roth loan
Step 4) Pay back the Roth Loan plus the exorbitantly high interest rate
Step 5) All of the interest is paid back into your 401k, which is yours to keep

Which one of us will be first to test out the string value limitations of the interest rate in ETrade's coding system? Perhaps as a design limitation in the coding they limit the interest rate to 99% or 999% We'll need to get that fixed.

Investing Deals
Barclay Cards - Frequency of FICO Updates
Added on : Tuesday February 25th 2014 03:00:10 PM
g: 0 Posted By: ankitgu
Views: 189 Replies: 2 How often are others getting FICO score updates?

I was initially getting more frequent email updates, but haven't seen any email or update on the website in about 5 weeks now. It seems like some people have said they get updates whenever it changes, so it would be helpful if anyone has gotten updates when their score didn't change.
Investing Deals
Solo 401k with no business income
Added on : Tuesday February 25th 2014 01:00:06 PM
g: 0 Posted By: xxjt
Views: 110 Replies: 2 Hi there,

Is it possible to open a solo 401k with no business income? (In order roll over a number of old IRA's into.)

I would like to do this for two reasons:

1. Potential for 401k loan
2. Potential for backdoor Roth
3. To clean up many old IRA's

Is this possible? Or should I buy and sell some stuff to generate a nominal income?

In the backdoor roth thread it is implied that some people have done this - but I would like to get some more specifics. Fidelity or E*Trade both seem to be okay for roll over without contribution.

Thanks!
Investing Deals
Disadvantage of IRA retirement account (losing ability to margin)
Added on : Sunday February 23rd 2014 04:00:12 PM
g: 0 Posted By: SegaRob
Views: 25 Replies: 0 So I don't see a lot of discussion on this issue. IRAs have a tax benefit, but you cannot borrow money against funds in an IRA.

So let's consider this with the following assumptions:
Your investment earns on average 10% per year.
Your average blended tax rate is 33%
You can borrow money on margin at 1.5%.
You can borrow money 3:1 for every dollar invested.
You are employed and earn more income than cutoff for Roth IRA.

In a traditional IRA, you invest $1000. You receive a tax deduction of $330. For simplicity, we'll just add this amount as free money in the IRA account. Then you earn 10% each year on this sum.
After 5 years of 10% compounded interest on $1330, the total becomes $2,141.98.

Now, if you kept the money $1000 in a cash account, you could borrow against it. You earn 10% on your own $1000 and 8.5% on $2,000 that you borrow (10% profit minus 1.5% margin interest). The net return is 27% before taxes and 18% after taxes.
After 5 years of 18% compounded interest on $1000, the total becomes $2,287.76.

Moreover, in the cash account every year after you are earning 18% net rather than 10%. This doesn't even consider the tax consequence of taking the funds out of the IRA account when you actually want to spend it in the future.

Clearly, this is very dependent on the initial assumptions. But 10% average annual returns is not far-fetched for the stock market, though some years may be worse and some may be better. The tax rate is middle of the road for a lot of middle-income earners. The margin rate is the current rate at Interactive Brokers, though clearly interest rates may rise in the future. The amount of leverage is also fairly conservative; potentially, you could leverage even more heavily which would favor the cash account even more. To make things simply, I avoided the Roth IRA discussion but the issue of losing leverage still applies.

I'm curious to hear people's thoughts. Did I make a mistake somewhere?
Investing Deals
Tax information site for foreign stock investors
Added on : Saturday February 22nd 2014 11:00:05 AM
g: 0 Posted By: Solomon960
Views: 50 Replies: 2 I am curious if anyone knows of a site which details the tax ramifications of a U.S. citizen investing in foreign stocks from all other countries? Apart from understanding that a treaty exists between Canada and the U.S. which basically ensures that capital gains and dividends taxes are paid only once, my knowledge on foreign investment taxes is quite limited. What about investing in French companies? Australian (fatwallet has but one archived thread on the subject (http://www.fullofdeals.com/forums/finance/710148/)?

Thank you, in advance, for your suggestions.
Tax Deals
Comparing loan APR to Investment returns: Have to use CAGR?
Added on : Saturday February 22nd 2014 03:00:04 AM
g: 0 Posted By: RunToday
Views: 39 Replies: 0 The total US stock market gets about 8-10% average return historically, but the CAGR is more like 5-6%. Does CAGR better reflect the long-term opposite of loan APR?
Investing Deals
I am terrible at math and projections: should I pay my rental or invest?
Added on : Friday February 21st 2014 01:00:10 PM
g: 0 Posted By: maxandsam
Views: 176 Replies: 1 I have about 100k extra sitting around doing nothing except losing value b/c interest rates are low. I am going to withdraw this to pay off a loan or invest. However I am terrible at math and do not know which scenario is better.

Should I:

1. pay down the note of a rental house that I own and owe 190k on. 30 year fixed at 3.625%. Rentals during the year cover my entire mortgage. (I owe more on my primary residency, but due to laws, it would be the hardest thing for me to lose so that payment is last).

2. invest the money into mutual funds. I have about 400k in mutual funds already and my goal is to get to 1 million by age 40. I'm 33 rt now. That's my goal b/c firecalc.com says at 1 million, by retirement age, I should have plenty to do nothing if I want.

If I add more to funds and get average market return, due to compounding and interest and growth, will I get more value out of investing my 100k or will paying down the rental house note (and the interest saved with prepayment) exceed investing? Let's say I think 10 years out, will my 100k investing, grow and far exceed the savings of prepayment of loan? Thanks to all you math wizzes. and PS, I could spend it on hookers and blow and crown vics, but I like German cars and don't want the herps nor a bloody nose so no H&B.
Personal Finance Deals
Roth IRA-Rollover vs Contribute
Added on : Thursday February 20th 2014 02:00:09 PM
g: 0 Posted By: mattsd13
Views: 91 Replies: 1 Just wondering.......if I wanted to contribute to my Roth is there any advantages/disadvantages when considering rolling over from a tax advantage account such as a 401k vs contributing with cash on hand? I do realize the rollover has the 5 year rule for withdrawal and the amount rolled over impacts income for that tax year. Given the same amount, say 5k, is either route preferred over the other?

Thanks for any responses!
Investing Deals
Help fund allocation for Traditional IRA
Added on : Tuesday February 18th 2014 09:00:19 AM
g: 0 Posted By: anusha123
Views: 38 Replies: 0 Iam planning to put 5500 + 5500 for 2013,2014 by opening new TIRA with vanguard.
Whats my fund allocation option ?
this is the first time iam opening and i plan to conver to roth at later stage.
Iam 32. Tax bracket 25% now but wont be same while retire..Shall I put everything in Target fund 2045 or any other ?
Whats your fund allocation in traditional IRA ?
Investing Deals
What to do with $3000?
Added on : Monday February 17th 2014 05:00:21 AM
g: 0 Posted By: lisamp725
Views: 106 Replies: 5 So I currently have $3000 in a savings account. Normally I would payoff debt but I am going to need this money around this time next year for internships. The savings account is just a regular savings that gains .01% interest. I would like to see this money actually grow. I am willing to divide this money up. I can afford to risk $500 of it but the rest I definitely need a year from now. If you were in may situation, what would you do?
Investing Deals
Putting It In The Backdoor (Roth) For Fun And Profit
Added on : Thursday February 13th 2014 02:00:10 PM
g: 21 Posted By: robronson
Views: 3596 Replies: 21 I've been reading about backdoor Roths for a while but it never applied to me since my income has been below the threshold. For you old-timers, skip to the last two paragraphs of this post for my "new" information. The bulk of this post is a primer for people not in the know about the concept. For anyone reading who is new to the concept, the IRS disallows a person to contribute money into a Roth IRA if they earn more than a certain amount of money (in the $100k+ range). You also can't get a traditional IRA deduction at that income due to phaseouts that disallow it. Thus, people contribute to a non-deductible IRA, which has no income phaseout, and then convert it to a Roth IRA since the government recently removed the income-level restriction on a Roth conversion.

The benefit here is that with a non-deductible IRA, you get no deduction of the contribution but all of the earnings are taxable like a traditional IRA. If you contribute $5k to a non-deductible IRA and it grows to $10k over time, your $5k contribution comes out tax free but you're taxed on the $5k of earnings. With a Roth IRA, you get no deduction on the initial contribution but the earnings also come out tax-free (everything is tax-free in the Roth) so it's a much better deal.

You can convert a Traditional or Non-Deductible IRA into a Roth by simply paying the tax on any earnings to date. For example, if you put $5k into a non-deductible IRA and it's worth $6k, you pay income taxes on $1k (the earnings) and can convert all $6k (your $5k contribution and the $1k earnings) into a Roth which can grow for decades completely tax free. It's a great deal if (in this example) you believe the taxes on the $1k right now are less than the present value of the future taxes you'll pay on all earnings from it.

So what people are trying to do lately is contribute $5k into a non-deductible IRA. Then immediately convert it into a Roth IRA. They pay the "taxes" on the $0 of earnings (since they convert it in the same day), which costs $0 and like magic, they were able to bypass the income restriction on contributing money into a Roth IRA.

The problem that many people don't realize is that you can't simply convert one piece of your Traditional/Non-Deductible IRA money into a Roth. Suppose you already had $100k of money in a Traditional IRA that you built up over the years. And suppose it is 50% earnings and 50% contribution (you contributed $50k to the Traditional IRA over the years and it's grown to $100k, so if you withdrew it today, you'd owe taxes on the $50k earnings). If you then contribute $5k to a non-deductible IRA and try to convert that $5k to a Roth, it doesn't work.

This is because the IRS looks at the Traditional and Non-Deductible IRA money as one package. So to the IRS, in the above example, you have $105k in IRAs and decided to convert $5k from that, which is about 5% of it. You can't decide which of that $105k to convert, you must convert it equally split between whatever the ratio of earnings to contributions is. Thus, if you convert $5k, you're really converting around $2,500 of earnings (out of that $100k Traditional IRA money) and $2,500 of contributions. So you pay taxes on $2,500 to do the conversion, not $0. And, you didn't actually move all $5k of the non-deductible IRA into a Roth. You only moved half of it. The other half is stuck in that T-IRA/Non-Deductible IRA pool.

None of this is new information, it's simply summarized from what I've read on these forums and elsewhere. What is new is my proposal to fix the problem. You're allowed to rollover Traditional IRA money into a 401k. Thus, if in the above example you rolled over your $100k Traditional IRA into a 401k, and then contributed $5k to a non-deductible IRA, you could do the full $5k conversion to Roth, tax-free, because that $5k is the only IRA you have. The problem is that virtually no 401k custodians, through employers, allow for in-service rollovers into the 401k.

The potential solution? Open an Individual 401k, designed for Self Proprietors/Small Business Owners and roll your T-IRA into there. From the looks of things, Vanguard allows an I-401k to anyone (who claims to be a self proprietor) and there's no fees if you have at least their lowest level status (which offhand I think is $50k in assets with them). If you're not actually self employed, you won't be able to contribute money into the I-401k, but you should be able to rollover your T-IRA money into it. Then do your backdoor Roth with no problems.

Investing Deals
Risk vs. Return
Added on : Thursday February 13th 2014 05:00:17 AM
g: 0 Posted By: DiegoB
Views: 188 Replies: 1 So as you know guys in valuing the intrinsic value of an asset to a diversified individual investor, one element used in the CAPM model, is the stock's beta and the market's risk premium, which together capture the risk of a certain asset. And risk in finance is described as the standard deviation between actual vs. expected return, or in other words, how much a certain stock's return deviates from its expected return (the more it deviates the more risky an asset is perceived to be).

But isn't this illogical? why would stock A, which deviates more than stock B (both having the same expected return) be priced in such a way as to generate higher returns?

To put you in the same state of mind as me, think of the following:

Suppose that I am about to sell two different tickets, one that entitles its bearer to earn 1$ every time I toss a coin for 10 consecutive tosses no matter the outcome (whether heads or tails), and the other 2$ every time the outcome is heads but nothing for tails. And so I put these two tickets in the open market so that investors can bid on them.

In finance, the latter is a more risky investment and thus current finance theory suggests that the market would price it at a lower price point than the former, being Risk free. But if this was the case, then everyone would rush to buy the latter ticket, after all, why would the ticket with a certain payoff be priced more expensively than that of an uncertain one if they both have the same expected return? (especially to a diversified investor)

Notice that both have an expected return of 10$, and so my theory says that eventually, they will be both priced in the market at the same price point (a little less than 10$ per ticket).

This is all to suggest that risk in finance should be measured in a different way, what do you guys think?
Investing Deals
Etrade asset transfer scenario
Added on : Wednesday February 12th 2014 11:00:12 AM
g: 0 Posted By: AugustFour
Views: 57 Replies: 0 asset transfers qualify for rewards only if the money is new. so if $100K (of money as an example) is moved in from abc broker then this should qualify. but what about this scenario: (as an example) $100K is transferred out of ETrade to xyz broker (xyz broker offers reward for this) and then $100K (assuming that this money had already been available at abc broker) is transferred in from abc broker. would this money from abc broker be considered new money by ETrade (they just moved out $100K to xyz not abc)? from ETrade point of view they have netted $0 additional assets but $100K from abc broker is new money, no?
Investing Deals
Day trading and T3 Settlement Question...
Added on : Wednesday February 12th 2014 06:00:13 AM
g: 0 Posted By: thomas7729
Views: 114 Replies: 1 So, I have done some research on this question, and keep getting conflicting answers. How does day trading work with the 3 day settlement issue? To make my question more clear, I will give two hypothetical examples.

1. Say you have $30,000(more than 25k minimum). You want to use all $30,000 in every trade you do(again hypothetical). Can you flip this $30,000 as many times as you want in a given day. Buy Sell Buy Sell Buy Sell Etc... all in one day?

2. Say you have $5,000 but you are in a margin account with a buying power of $10,000. Can you flip the $10,000 as many times as you want with OVERNIGHT trades? Buy first day, Sell second day, Buy second day, Sell third day, Buy third day, ect.... Or is this free riding and not allowed, even though it is in a margin account?

Thanks
Investing Deals
The Correct Way To Do A Backdoor Roth Contribution
Added on : Tuesday February 11th 2014 05:00:21 AM
g: 0 Posted By: robronson
Views: 151 Replies: 2 I've been reading about backdoor Roths for a while but it never applied to me since my income has been below the threshold. For you old-timers, skip to the last two paragraphs of this post for my "new" information. The bulk of this post is a primer for people not in the know about the concept. For anyone reading who is new to the concept, the IRS disallows a person to contribute money into a Roth IRA if they earn more than a certain amount of money (in the $100k+ range). You also can't get a traditional IRA deduction at that income due to phaseouts that disallow it. Thus, people contribute to a non-deductible IRA, which has no income phaseout, and then convert it to a Roth IRA since the government recently removed the income-level restriction on a Roth conversion.

The benefit here is that with a non-deductible IRA, you get no deduction of the contribution but all of the earnings are taxable like a traditional IRA. If you contribute $5k to a non-deductible IRA and it grows to $10k over time, your $5k contribution comes out tax free but you're taxed on the $5k of earnings. With a Roth IRA, you get no deduction on the initial contribution but the earnings also come out tax-free (everything is tax-free in the Roth) so it's a much better deal.

You can convert a Traditional or Non-Deductible IRA into a Roth by simply paying the tax on any earnings to date. For example, if you put $5k into a non-deductible IRA and it's worth $6k, you pay income taxes on $1k (the earnings) and can convert all $6k (your $5k contribution and the $1k earnings) into a Roth which can grow for decades completely tax free. It's a great deal if (in this example) you believe the taxes on the $1k right now are less than the present value of the future taxes you'll pay on all earnings from it.

So what people are trying to do lately is contribute $5k into a non-deductible IRA. Then immediately convert it into a Roth IRA. They pay the "taxes" on the $0 of earnings (since they convert it in the same day), which costs $0 and like magic, they were able to bypass the income restriction on contributing money into a Roth IRA.

The problem that many people don't realize is that you can't simply convert one piece of your Traditional/Non-Deductible IRA money into a Roth. Suppose you already had $100k of money in a Traditional IRA that you built up over the years. And suppose it is 50% earnings and 50% contribution (you contributed $50k to the Traditional IRA over the years and it's grown to $100k, so if you withdrew it today, you'd owe taxes on the $50k earnings). If you then contribute $5k to a non-deductible IRA and try to convert that $5k to a Roth, it doesn't work.

This is because the IRS looks at the Traditional and Non-Deductible IRA money as one package. So to the IRS, in the above example, you have $105k in IRAs and decided to convert $5k from that, which is about 5% of it. You can't decide which of that $105k to convert, you must convert it equally split between whatever the ratio of earnings to contributions is. Thus, if you convert $5k, you're really converting around $2,500 of earnings (out of that $100k Traditional IRA money) and $2,500 of contributions. So you pay taxes on $2,500 to do the conversion, not $0. And, you didn't actually move all $5k of the non-deductible IRA into a Roth. You only moved half of it. The other half is stuck in that T-IRA/Non-Deductible IRA pool.

None of this is new information, it's simply summarized from what I've read on these forums and elsewhere. What is new is my proposal to fix the problem. You're allowed to rollover Traditional IRA money into a 401k. Thus, if in the above example you rolled over your $100k Traditional IRA into a 401k, and then contributed $5k to a non-deductible IRA, you could do the full $5k conversion to Roth, tax-free, because that $5k is the only IRA you have. The problem is that virtually no 401k custodians, through employers, allow for in-service rollovers into the 401k.

The potential solution? Open an Individual 401k, designed for Self Proprietors/Small Business Owners and roll your T-IRA into there. From the looks of things, Vanguard allows an I-401k to anyone (who claims to be a self proprietor) and there's no fees if you have at least their lowest level status (which offhand I think is $50k in assets with them). If you're not actually self employed, you won't be able to contribute money into the I-401k, but you should be able to rollover your T-IRA money into it. Then do your backdoor Roth with no problems.

Investing Deals
TD Ameritrade alerts set-up
Added on : Monday February 10th 2014 10:00:16 AM
g: 0 Posted By: AugustFour
Views: 49 Replies: 0 i am sure many on this forum have an account with TD Ameritrade. does anyone know where and how to set up alerts to be notified of various events happening in the account?
Investing Deals
Link to IRA account at Etrade
Added on : Monday February 10th 2014 09:00:15 AM
g: 0 Posted By: AugustFour
Views: 45 Replies: 1 i am planning to link an IRA Rollover at another broker to my IRA Rollover account at ETrade to pull some IRA money to the new broker account. it then occurred to me that when i link should i select Savings or Checking (category) for ETrade account (this is just an IRA account to me not a Savings or Checking account). also, the new broker verifies by sending 2 trial deposits to this IRA account. won't they be considered as contributions if not withdrawn (although the amount is minuscule)?
Investing Deals
short term investment
Added on : Sunday February 09th 2014 12:00:05 PM
g: 0 Posted By: bobaldie
Views: 83 Replies: 4 My Builder building the new house and expected to be delivered in June - July. My down payment funds towards $120k is now sitting in bank. I wonder where to invest these funds from now to the closing date, given the market conditions at this time.
I am looking for a reasonable risk investment vehicles where I can park this money. Appreciate any tips and ideas. I have Vanguard account but what in there is my dilemma..
Investing Deals
Save money for house or put it in retirement account?
Added on : Saturday February 08th 2014 02:00:05 PM
g: 0 Posted By: backpurge
Views: 44 Replies: 0 TLDR: Does the tax savings and potential gainsfrom putting $ in 401k negate the PMI that we'd be paying if we put less money down on a house.

Details: So the wife and I make around $170k a year combined and we have one child and are both in our early 30s. We are currently in a house worth $130k and owe about $120kbut looking to upgrade to a house valued at $300k max and just trying to figure out the best route to go. Currently we've been maxing out my 401k at work at $17500 plus 3% company match, maxing out my personal Roth IRA at $5500 and she's been putting in 6% of her check into her work's 401k which ends up being around $5000 a year. This ends up socking away around $28000 a year for retirement plus we still end up saving about $5000 in our savings account for an EF. Obviously the 401k's end up saving us paying taxes on our income now. We looked at our budget and figured out ways to probably save an extra $10k this year without changing too much lifestyle wise.

Would it be better to cut back to the company match for both of our 401k's and stockpile $ for a 20% house down payment or stick with a higher contribution to retirement accounts and do a minimal down payment or somewhere in between? Thanks in advance!

Investing Deals
What am I missing here? TIRA to Roth conversion
Added on : Saturday February 08th 2014 02:00:04 PM
g: 0 Posted By: v023985
Views: 19 Replies: 0 At the end of 2013 I opened a TIRA, deposited $5,500 in after tax dollars to a vanguard account. Never had an IRA before, only employee sponsored 401k to this point.

My 2013 income was above both the TIRA income limit to make it tax deductible and above the Roth limit to make a direct contribution. It looks as though I can simply convert this $5,500 over to a roth since it's already after tax money, so planning on doing this for the tax benefits for a Roth at withdrawl.

My question is, is it really this easy to contribute to a Roth through this backdoor method? Why even have the Roth income limit if it is this simple? Or am I misinterpreting the rules about TIRA to Roth conversion.

Thanks!
Investing Deals
Question on targeted AMEX Business Gold 75K MR
Added on : Saturday February 08th 2014 10:00:06 AM
g: 0 Posted By: sayhey
Views: 85 Replies: 1 Some of you may have just received this offer. 75K MR with a $5,000 spend over 3 months.

I grabbed another AMEX Business card in Feb 2013 for 50K MR and closed it out in May 2013.

Is it worth the credit inquiry to apply for this new card?? Do any of you have the experience of being approved for a 2nd Gold card less than a year after cancelling another???

Thanks,
Investing Deals
VA IRRRL lenders. How to find the right one...
Added on : Saturday February 08th 2014 08:00:11 AM
g: 0 Posted By: bucsox
Views: 79 Replies: 1 Ive been thinking about trying to find a lender to refinance my current VA loan. I get countless number of offers in the mail, but just about all of them seem hokey and come from no name places. I don't know exactly how to find a reputable, good lender and get a good deal. Google searches turn up a lot of sketchy places.

Can anyone recommend on a few I can inquire to about an IRRRL?
Investing Deals
Free Kindle Book- The AWARE Investor (was $19.95)
Added on : Saturday February 08th 2014 03:00:07 AM
g: 0 Posted By: remick
Views: 213 Replies: 0 http://www.amazon.com/AWARE-Investor-Confidence-Transform-Financ...

4.7 out of 5 stars (15 customer reviews)

The AWARE Investor will grow your wealth with time-tested wisdom that never fails. Author Damon Lane shares the 5 powerful investing principles learned and applied over 28 years counseling thousands of people just like you to become successful investors. You will learn why the traditional investing methods of Wall Street keep failing investors and how you can apply easy-to-use strategies that will create confidence for growing your wealth and change your financial life forever.
Books Deals

Amazon Coupons
Family income reduced in 2014. Invest in Trad IRA and roll over???
Added on : Friday February 07th 2014 03:00:20 PM
g: 0 Posted By: carefreeninja
Views: 34 Replies: 1 So from Dec 2013 my wife will be stay at home mom at least till the end of 2014. Our total income in 2013 is just below the trad IRA income threshold. Here is the situation -
I am planning to invest full $11K ($5500K each) for the year 2013 in Roth IRA account. Instead of doing that, I am thinking of

Invest $11K in trad IRA account and deduct my taxable income for 2013
Rollover from trad IRA to Roth IRA and show $11K as income in 2014. Since 2014 income will be reduced by around 45%compared to 2013, I'll be able to save roughly $1000 by being in a lower tax bracket.

I know that due to rollover, I won't be able to withdraw the money for the next 5 years without penalty which I'd have been able to if I directly contribute to Roth IRA. I am fine with this.
Is my logic correct or am I missing something here?
Investing Deals
Solo 401k plan w/ after-tax contributions and in-service rollover?
Added on : Friday February 07th 2014 12:00:06 PM
g: 0 Posted By: awstick
Views: 69 Replies: 0 I'm looking for a solo 401k administrator that allows the functionality described in this post:http://www.fullofdeals.com/forums/finance/1329845/m18254096/#m18254096
Chiron said:   See if your 401k plan allows you to contribute up to $34.5k more to a Roth IRA through the conversion loophole. To do this your plan needs to provide for both 1) after-tax (non-Roth) contributions to your 401k and 2) in-service withdrawals. See:http://www.forbes.com/sites/financialfinesse/2012/07/17/the-401k...

The idea here is to:

1) Contribute after-tax dollars to 401k
2) Withdraw after-tax contributions in service to a traditional IRA
3) Convert traditional IRA to Roth (if you do this quickly after the contribution in (1), you will have minimal tax consequence)

This seems to be a very tax efficient way to handle self-employment or side business income if such a plan exists. You could convert $52,000 of gross income normally all subject to payroll taxes or SE tax to:

$41,600 of salary with a $17,500 pre-tax 401k contribution and a $24,100 after-tax contribution that's immediately rolled over to a Roth IRA
$10,400 employer 401k match (limited to 25% of wages)

This increases the Roth IRA limit by over 400% with relative ease and still gives you a decent mix of deductible contributions to lower your current year tax.

Investing Deals
L'Occitane Shea Voyage Set REG $40 SALE $32 W/CODE $19.20
Added on : Monday February 03rd 2014 07:00:04 PM
g: 0 Posted By: DaysFan
Views: 140 Replies: 0 http://www.luxepineapple.com/product-p/f68.htm

CODE: PLUM40
L'Occitane Shea Voyage SetMoisturize and sooth your skin while travelling, or get a bunch of travel size beauties to try before investing in the full size!

0.5oz Ultra Rich Face Cream
0.26oz 100% Pure Shea Butter
1.0oz Hand Cream
1.0oz Foot Cream
5 x Refreshing and Cleansing Cloth



List Price: $40.00Our Price: $40.00 Sale Price: $32.00Savings: $8.00

Product Code: F68

Beauty Deals
TD Ameritrade IRA Brokerage Promotion
Added on : Monday February 03rd 2014 12:00:11 PM
g: 0 Posted By: c2013
Views: 81 Replies: 0 TD Ameritrade has upped their IRA brokerage bonus at the $500K level to a relatively generous $1500 - details.
Investing Deals
Gaming the myRA (small game)
Added on : Sunday February 02nd 2014 05:00:08 PM
g: 0 Posted By: dshibb
Views: 1 Replies: 0 It's been a while since I've been on here as I've been very busy the last few months (expect to continue to be).

I thought I would chime in here on the myRA. Thisthreadwas a good start, but seemed to be filled with tangents so I figured it made sense to start a new one focused on how to actually benefit from this thing.

The details that have been mentioned already, but need to be rehashed:

As correctly pointed out it's not a new retirement account. I had a collective laugh as essentially not a single financial news writer in the media got this, right. I.e. it's not "like a Roth IRA." It IS a Roth IRA. The president doesn't have the authority to create a new tax sheltered account by executive order. He (or by extension Treasury)does however arguably have theauthority to create a new government bond or expand the usage of an existing bond.
myRA is essentially the expansion of an existing T Bill called the G Fund to non federal employees. Treasury has the authority to make this T Bill available under the **custody** of the Federal Government. Therefore, the federal government is ****becoming another custodian for small Roth IRAs****. That is all that is happening. They're just another Schwab/Fidelity/Vanguard for Roth IRAsthat only invest in one security.
Since the myRA is not a new vehicle, but a new custodian of an existing vehicle their is no expansion of contribution limits, rules, etc. for retirement accounts for anyone. It's not a way to double up on contributions or anything.


What does also need to be understood is that G-"Fund" is actually a great deal to it's purchaser and a bad deal to the US government. The "fund" is a specially created T-Bill that gets a weighted average yield of all US Treasuries with a maturity over 4 years. In effect this is a T-Bill with the yield of the 10 year Treasury.

For this reason, the bond acts as a supercharged floating rate Treasury. As rates rise long bond holders who are getting the **same** interest rate as you get in the G-Fund get hit, but you can ride the security all the way to 6%, 7%, 9% 10 year yields with no capital losses.


Now I realize it's only max $15k, but I already started trying to figure out how to game this for use for those that are under the Roth AGI limits:

The fact sheets already out are saying that people that are eligible are not only those without employer provided plans, but also those that would like to "supplement an existing plan". So it's quite clear that you can have an existing employer plan and still use this.
The fact sheets are a little vague as to whether or not it has to run through an employer to set upin the future, but practically speaking I don't think this could be an issue. It already says that if you moved employers you could continue to contribute to it regardless of what the employer wanted to do. Furthermore, lets say it required an employer to participate at first we're talking about tiny employers here who don't have 401k's so I would bet that something as simple as a TIN number would be sufficient to have a person count as an "employer". TIN's can be obtained in all of 2 minutes on a gov website. Furthermore, tiny employers don't care so I would bet that they'll just have to allow people to sign up direct without their employer in order to show any positive results anyway.
***Key language: "Account holders can build savings for 30 years or until their myRA reaches $15,000whichever comes first. After that, myRA balances will roll over to private-sector U.S. Department of the Treasuryretirement accounts." I would define the word "reaches" as when the balance hits $15k not when the account has had $15k in combined principal and earnings. So the way I read it is that as long as you prevent your account from hitting $15k and triggering the forced rollover you can keep it there for 30 years.
That's not useful without also pointing out: "Your contributions can be withdrawn tax free at anytime".
Now the last part that still needs to be figured out is whether or not you can do direct partial rollovers or 60 day rollovers with the funds. From a processing standpoint I believe the Federal Government can block the former, but from a legal standpoint (since they would have to be subject to all of the Roth IRA rules) the latter IMO would have to be legal. So at any time you could rollover pieces of this thing to another Roth IRA by simply taking a distribution and then recontributing to another Roth IRA within 60 days.
Another question is whether or not a person is barred from opening another after one previous account has already hit $15k. I would suspect yes, but that would only make things even easier and not affect your ability to take advantage of the special security.


So the way to play this vehicle is when interest rates are low and will be rising over a long time throw on a rather large payroll deduction to get about ~$13-14k into the account over 3 years and then stop the payroll deduction. This move should come with a commensurate decrease in other fixed income positions elsewhere. Then roll out blocks of money to prevent it from triggering the $15k to end the account. When interest rates are running higher and one would reasonably assume to trend lower over time then yank out almost the entire balance except a few dollars and redeploy it in a different Roth IRA within 60 days as a rollover.


Or you can also say that it's just not worth the hassle for a max $15k which is also a perfectly acceptable answer as well.
Investing Deals
FRIP investing with Scottrade tax consequences
Added on : Saturday February 01st 2014 02:00:08 AM
g: 0 Posted By: connie6214
Views: 3 Replies: 0 what are the negative tax consequences on a FRIP with Scottrade versus a regular DRIP with another company. Are there any companies out there that support a good day trading platform, low fees ,etc.?
New User Question Deals
A Couple of Tax Questions
Added on : Friday January 31st 2014 05:00:12 PM
g: 0 Posted By: investingstuff1971
Views: 65 Replies: 0 Hey,

I'm working through my taxes (using Tax Act0 and I have a couple of questions. I hope that this isn't off-topic. I recall that back in the day there was a stickied thread devoted to tax questions but I don't see it now. Anyway, here goes:

I have a Wellstrade brokerage account which includes just a bunch of Vanguard mutual funds. I'm in the process of working my way through the wizard to enter the information for the associated 1099-Div and I'm stuck on the foreign tax stuff. Line (6) says that I paid $288.63 and line (7) says 'See Detail Section.' So, I have a few questions. The first one, is that no where in the 'Detail Section' does it tell me to which country I paid those foreign taxes. The software includes the option 'VARIOUS' which is what I chose. I'm assuming that these funds invest in a lot of different countries and that's the right answer, but still the form does say anything explicitly, so I thought that I'd throw that out there. The real problem is this next bit it prompts me for:
Tax Act Software said: When foreign tax is withheld from dividends, additional information may be needed to enable the proper handling of the entries for Various on the Form 1116, Foreign Tax Credit. Please enter the following information if it applies to you for First Clearing LLC. Previously made entries are shown below, if the foreign portion is different, modify as necessary.

Foreign source ordinary dividends:
Foreign source qualified dividends:
Foreign source capital gain distributions:

Check to indicate how to treat this income for the foreign tax credit on Form 1116:

Passive category income General category income

Check here if these entries are for a mutual fund or a regulated investment company


The three values that the software uses as defaults are the same values I entered earlier from lines 1a, 1b and 2a. I'm assuming that that's not right, but I really don't understand what values I'd use there. How do I figure out what portion of my dividends / capital gains are foreign source? Also, I'm assuming that I should check 'Passive Category Income' and not 'General Category Income.' Is that right? If anyone could explain to me what this all means, I'd really appreciate it. I've spent that last 90 minutes, googling and I can't find the answers to any of my questions.

Thanks!

Tax Deals
Inheritence Fairness Question
Added on : Friday January 31st 2014 05:00:11 PM
g: 0 Posted By: investingstuff1971
Views: 5 Replies: 0 I have a philosophical question that I'd like some feedback on. I am an only child and 15 years ago (when I was in my late 20s) my mother married a man with two sons, both of whom were between 5 and 10 years older than me. A couple of years ago they created a will and I recently found out that essentially the terms are that everything is split in thirds with each of his sons and me each receiving an equal share. This struck me as unfair especially considering that prior to her retirement last year, my mother was the principle bread earner. It seems much more equitable to me that I should get half and that his two sons should split the other half. I'm wondering what other people think. I should add that this is strictly an academic question. We are not talking about a great deal of money; in fact, if their resources prove sufficient to provide for the remainder of their retirement and any necessary health care, I will consider that an absolute blessing. I would never even consider petitioning them to change the terms but I am surprised that my mother who is a smart, fair person could have such a different sense of what's equitable than I do. Who do people think are right or is this really just a grey area?
Personal Finance Deals
Interactive Brokers margin loan for real estate purchase?
Added on : Wednesday January 29th 2014 08:00:11 AM
g: 0 Posted By: jkbrennan77
Views: 37 Replies: 0 I'm looking to build a new home and don't want to sell stock to do it. Interactive Brokers (IB) margin rates are 1.57% on the first $100k and 1.07% on the next $900k. I currently pay 2.875% on my mortgage and would expect to pay more on a new loan in particular if it was a construction loan. A Schwab Pledged Asset Line seems to be over 3.5% (1-month LIBOR plus 3.4+%).

I expect to borrow around $400k for the new home. Why wouldn't I just transfer ~$1.2 million worth of stock into an IB account and use margin to pay for the new home? (For tax purposes I would be taking separate cash out and using the margin to pay for the stocks).

I understand there is market risk and if the stock portfolio fell below $600k (?) I would risk a margin call. I would use mid and large cap US stocks and ETFs that presumably have low margin requirements (long holdings, no shorts, no options, etc.).

I also understand there is margin rate risk that the margin rate could go up over what I could get in a traditional mortgage. I don't believe the fed funds rate is going up to 2.5%+ in my time frame of the next 5 years. Also, I will likely sell my current home once the new one is complete (within 6-12 months of starting construction/initiating the margin loan) and could use the money from that to pay off the margin loan if rates go up.

They mention a $10 minimum trade commissions per month but a.) that's trivial compared to the interest savings b.) based on their fees I might do that anyway and c.) that seems to be waived for accounts over $100k. Will they throw me out if I just let the account sit there and just make a trade or two each month?

Are there other costs/risks to the IB accounts or margin loans I'm not accounting for?

Are there better alternatives I should be considering? Where better would be still sub-2% interest rate but with lower interest rate risk or market risk and without paying high closing costs or points. I'm willing to put up as much as $1.5 million in equities and the house worth $600k as collateral.
Investing Deals
1099-R 401K to ROTH IRA Rollover Tax
Added on : Tuesday January 28th 2014 05:00:21 PM
g: 0 Posted By: hdeucedeucen
Views: 23 Replies: 0 Here goes: I rolled over about $8K from a 401(k) at my previous employer to my existing Roth IRA at Scottrade. At the time I requested therollover check from myformer employer, I was under the impression thatI needed to open a traditional IRA & convert it to a Roth (Scottrade rep stated so). When I arrived at the Scottrade branch, they stated I was fine to deposit my rollover check directly to my existing Roth IRA & opening a traditional IRAwas not necessary.

Fast forward to today& I receive my 1099-R, box 1 has the $8K distribution, box 2a has a taxable amount of $0, box 2b is checked as "total distribution," & box 7 has distribution code G. I'm assuming, had I informed them at the time of the distribution request that it was going to aRoth IRA & not a traditional, box 2a would have the full distribution listed so it would be taxed.

I realize I need to pay tax on the rollover, should I request a new 1099-R or am I safe to go through the Turbo-Tax prompts and indicate the full amount is taxable? My tax return is rather simple, Iwill be taking the standard deductions sinceI don't have enough to itemize, so I'm not too worried if I were to be audited but I want to avoid that &make sureI do things "right."

Investing Deals
Requiring Tentant of a Store to get Insurance? (Landlord Question)
Added on : Tuesday January 28th 2014 09:00:12 AM
g: 0 Posted By: elptrainerny
Views: 88 Replies: 1 Investing in a storefront, which I plan to rent out. Do any other landlords have language requiring the tenant to get insurance and how is it phrased?
I was thinking of something like:

=10.0ptLessor shall maintain on the Lease Property adequate all risks Insurance Coverage including Public Liability Insurance. Landlord shall be a named insured. Tentant is responsible for keeping immediate area in front of store/entrances clear of debris/snow/ice/hazards and notifying landlord for conditions in need of repair.
Personal Finance Deals
Costco 401K
Added on : Tuesday January 28th 2014 07:00:08 AM
g: 0 Posted By: samandy
Views: 63 Replies: 0 Has anybody tried costco 401K for small business? I know Solo/Sep/Simple could becheaperoption but my business model needs probably 401K
They charge about 375$ set up fee and about 80 bucks a month for employer side and about 4$ a month for employee.
They offer Morning Star Investmentwith(fund expense ratios) ranging from 0.06%to 0.50%. Fund expense ratio ranges are
updated quarterly. Overall, the weightedaverage expense ratio of the MIS modelsrange from 0.14% to 0.16% on average
annually. In addition, MIS charges anannual asset management fee of 0.20% ofplan assets to cover costs.

Thanks for your input!
Investing Deals
Traditional to Roth Ira Conversion Rationale
Added on : Monday January 27th 2014 06:00:08 PM
g: 0 Posted By: pgb7540
Views: 46 Replies: 1 I am trying to understand the necessity of extra steps needed when one wants to continue contributing money to ROTH ira when their income is over the maximum allowed limit.

My understanding is that:
1. Roth IRA has contribution limits. If income >112,000 no additional(reduced)investments can be made.
2. From the linkhttps://www.fidelity.com/retirement-ira/ira/roth-ira-faqit seems that this can be easily bypassed by creating Traditional IRA and then converting to Roth.
3. Taxes would have to be paid on the amount invested prior to converting as to prevent people saving on both pre-tax and distribution savings.

My question is why have people jump through the extra hoop of first opening Traditional IRA and then converting to Roth: remove Roth income restrictions, have people pay the taxes on their full income
and then have them add up to 5,500 USD a year to Roth IRA.

Seems needlessly complicated, but then I'm probably missing some detail.

PS: Also, the above brings up a technical question.
If I want to do the conversion procedure year after year do I have to open separate traditional IRA just to convert it to yet another newly opened Roth? Or can these be somehow consolidated?

thanks
Investing Deals
Short-term investments for spending later
Added on : Sunday January 26th 2014 12:00:11 PM
g: 0 Posted By: RunToday
Views: 144 Replies: 4 Hey all,

I need some advice on where to drop a growing amount of money (~$1k monthly) into a place that I can get it out without too much effort at some unpredictable point in the future assuming I find something fun to do with it (dream vacation, etc). HY checking accounts are not an option because I don't enjoy working to meet their minimal requirements, and the point of having this extra money is to have fun. On the other hand, I wouldn't mind investing/experimenting in private equity because the value of holding something that may generate money is fun to me in a weird way. In that case, I wouldn't necessarily need an easy way to cash out at an arbitrary time.

I make $50k annually. In 4 years I'll make $150k (on the low side) annually, putting me in the "spend now, save later" school of thought. But, I'm still living an austere and single lifestyle now, and take in approximately $15k annually more then spending. I've maxed a Roth for 2013 and 2014. Last year I almost maxed a 401k too but decided against any 401k contributions this year (just doesn't make sense with my career and near-future salary bump).

I have about $9k in savings, growing at ~$1k/month. The plan is to keep $5k in cash holdings and put the rest in some other equity of anykind. Right now I was thinking a total bond ETF but that's kind of tame. What other options are there?
Investing Deals
Questions about IRA rollover rules
Added on : Thursday January 23rd 2014 12:00:08 PM
g: 0 Posted By: swampwiz
Views: 57 Replies: 1 I have reading up on how the 60 & 365 day rules work for IRA rollovers, but have found some information that does not seem correct.

According to one "expert", the way it works is that a distribution from OR rollover into an IRA account cannot take place within 365 days of the last rollover from or into that account. While I can understand the restriction triggered by a rollover into an account, I don't see how it would work for having this restriction triggered be a distribution, as any cash distributed would go into a non-IRA account (which could then be withdrawn as for any such account), and hence there would be no "IRA ownership" of any distributed funds there. With that said, I suppose that there could be a rule in which the individual would need to assign a corresponding distributing IRA source for any cash that would be rolled over, such that however he chooses to assign this, he would be subject to this rule.

To give an example, let's say there are 3 IRA accounts: A, B & C. A $10K & $5K distribution is made from A & B, respectively. Then $10K is rolled into C. It seems to me that once the distribution is made, it's just cash, without any "memory"; thus, the only restriction is that there cannot be either a distribution from or rollover to C for the next 365 days. However, perhaps the IRS would demand that the individual claim the source (which for here would be b/w $5K & $10K from A and $0 & $5K from B, such that A + B = $10K.) I am wondering if the custodian must list from which IRA account the rollover corresponds to - and if there isn't, then there could not possibly be the more restrictive rule that I had speculated.

Investing Deals
Need advice for Rolling over pension into IRA
Added on : Monday January 20th 2014 09:00:13 AM
g: 0 Posted By: dealgain
Views: 102 Replies: 3 Hello FWF
I have a small pension plan account from a previous employment that shows ~18k if I were to go for a lump-sum payment. In the basic discussions with the plan administrator, I was told there will be a 20% tax deducted upfront if I were to ask for cash payment. The other option was to roll over into a qualified retirement plan with no such tax. Ive asked them to start the withdrawal process (which they told me would first send me a packet of documentation..later I call them and go over with them for filling up the paperwork and make selections on what type of retirement plans etc.). As of my call last week they said, at this point the earliest payout date is April 21 2014 because of the workload they have in their office (provided I return back the paper work to their office in 10 business days). I think this was too much of a lengthy time but didnt complain much.
The only reason I want to withdraw is: In the past five years it has grown on an average of $500 a year. I felt this is too little of a growth.
Im looking to FWF advise on this approach: What would be my best qualified retirement account that I can roll over to at this point and is there some sort of a lock-in period before I can withdraw from there as a lump-sum (Im guessing this route has only 10% upfront taxes in the form of early withdrawal penalty so I would be saving half of the upfront taxes) And in the meanwhile the money is sitting in the IRA, I can invest that in the safest vanguard or schwab ETFs?

Please help me find out What are the things I am missing.
TIA
Investing Deals
Question regarding chase checking account and fidelity cash management
Added on : Thursday January 16th 2014 10:00:25 AM
g: 0 Posted By: noback
Views: 60 Replies: 4 1. With chase checking account, I can do transfer or quick pay to move money to somebody else's account, but what's the difference between the two options? both are free right?
2. I just opened a fidelity cash management account, and I couldn't find out how to move money from my cash management account to somebody else's account, like chase quick pay. It seems that bank EFT is only for transfer between your accounts, and bank wire is not free. So did I miss anything?

Investing Deals
does AmEx round up purchases of less than $1 to $1?
Added on : Tuesday January 14th 2014 06:00:07 PM
g: 0 Posted By: AugustFour
Views: 182 Replies: 2 i purchased an item at WalMart for $0.95 and charged on AmEx. however, in current transactions, it shows up as $1.00. is this normal?
Investing Deals
Money..Max 401k vs Brokerage
Added on : Tuesday January 14th 2014 05:00:08 PM
g: 0 Posted By: cedricloil
Views: 56 Replies: 2 Hello, I wanted to get a general opinion on if it's better to:

1) contribute as much as possible monthly to 401k

2) contribute enough for matching and then invest rest in brokerage account. I understand this option will be less of an initial investment since it's not pretax.

Obviously my reasoning here is that I feel very comfortable with being able to get a higher rate of return in individual stocks vs the funds available in my 401k.


Thoughts?
Investing Deals
Working of Money Market Funds
Added on : Tuesday January 14th 2014 09:00:06 AM
g: 0 Posted By: bobaldie
Views: 47 Replies: 1 How does the money market funds make any sense .. VMMXX - flat forever but has an expense ration of 0.17% i could never understand that. Thought Vanguard is low expense ratios, if at all it is needed.
Investing Deals
Free Kindle Book- Money Saving Tips For the Underachiever
Added on : Tuesday January 14th 2014 07:00:08 AM
g: 0 Posted By: remick
Views: 133 Replies: 0 http://www.amazon.com/dp/B00H3T562I/

4.8 out of 5 stars (31 customer reviews)

#2 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Financial Planning
#4 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management
#4 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Budgeting

In this book readers are given simple suggestions on how to either put money back into their pockets or prevent money from fleeing in the first place. The author speaks from the experience of being a former haphazard spender to developing a disciplined frugal mind by using strategy and creativity to save money. This book is ideal for people who never took, or had time to educate themselves on how to maintain a frugal lifestyle while not cutting into their couch time. The underachievers.

No mistaking, this book isn't just for the underachievers, it contains numerous money saving tips and strategies that everyone can benefit from. This isn't just a book, it's a reference manual that you can continually refer back to for guidance and motivation. I promise that If you follow and execute any of these simple steps, you will start seeing savings immediately. I put my name on it.

5 Important Tips You'll Learn In This Book:
Creative strategies that when implemented will save you thousands of dollars. GUARANTEED!
You will learn to properly automate your bill payments and a lot of your monotonous shopping needs without ever having to leave your couch.
I will show you how I saved over $20,000 a year just by improving the way I shop and paid for my entertainment. You will learn to do the same thing.
I will show why everyone should have credit cards and how to make them make you money without the threat of interest charges.
I will show you how frugality is more than just saving as much money as you can. Frugality is a mentality that when perfected will change your view of life in general. You will learn that what you thought you really wanted, you do not need. The difference between needs and wants is what the frugal person is exceptional at identifying.
Totally Free Deals
Which online stock broker to go with?
Added on : Tuesday January 14th 2014 06:00:14 AM
g: 0 Posted By: sunnsm
Views: 194 Replies: 3 Maybe its buried in the investment thread and I am a newbie and would like to begin investing in stocks. Which is the best one to begin with -- low fees on buy or selling shares etc...
New User Question Deals
ShareBuilder - How To Sell Stocks (close account) ?
Added on : Sunday January 12th 2014 08:00:09 PM
g: 0 Posted By: kahawken
Views: 20 Replies: 0 I've had a ShareBuilder account for a number of years with minimal monies. I know little to nothing about investing. I would like to close accounts (3 stocks), and assume I need to sell each of them at $6.95 each. Not sure if that's the best way or withdraw the cash balance. In doing so, the 3 stock accounts will still be open, correct? Total account value: $275 and Cash Balance: $126. Bottom line is I would like to get out and be done with ShareBuilder but would rather see what can be done to avoid if possible $6.95 for each stock.
Question Deals
Professional Portfolio Management
Added on : Sunday January 12th 2014 05:00:05 PM
g: 0 Posted By: dhpratibha
Views: 84 Replies: 0 Hi fellow FWF's..

I have about 25-30K of funds I am looking to invest in stocks/ETF's etc for a couple of years or more. I was looking at Professional portfolio management from firms like schwab, wellsfargo etc. I understand that they have fees and would reduce my return. However I am a novice at investing in stocks and would prefer my hard earned money to be professionally managed at least for a year till I get a grip on things.
Does anyone have any advice on choosing the appropriate firm like merril lynch, schwab etc for portfolio management? and any experience using those?
Investing Deals
High return ETFs
Added on : Saturday January 11th 2014 06:00:08 AM
g: 0 Posted By: VAIndigo
Views: 63 Replies: 1 I notice in Morningstar ETF screener quite a few very high return , that too over 3 yr period. But looks too good to be true. What am i missing.
Is Leveraged ETFs a no no for a passive long term investment?


What is PEX? doesn't look like a leveraged ..
UVT, UKK, BIB, IBB, XPH
Investing Deals
g: 0 Posted By: NubileGrandma
Views: 135 Replies: 5 Today I sold some Fidelity commission-free ETFs. The numbers do not add up. Although it appears I was shorted only a few cents, this still bothers me, as those cents are not Fidelity's to take from me and in the aggregate, whoever gets these pennies can make a fortune. I have heard about salami-slicing and wonder if that is what happened? I cannot imagine some fee that I have to pay that is only one or two cents. Is anyone able to explain why the numbers do not add up?
3x25.72 does not equal 77.15; and
11x25.71 does not equal 282.80
Investing Deals
Question about Savings Bonds Inheritance
Added on : Friday January 10th 2014 12:00:17 PM
g: 0 Posted By: bigStax
Views: 79 Replies: 1 Good afternoon FW -

My brother and I have just received savings bonds totaling approx. $160k. The savings bonds have our grandmother's name listed as primary, and our dad is listed as the POD. Both our grandmother and our dad have passed away. My grandmother died after my dad, and so based on what I have read, the bonds appear to be owned by my grandmother's estate. My grandmother's will clearly states that her savings bonds are to be equally divided between my brother and I. Does anyone know the procedure for cashing these bonds in this particular scenario?

Any assistance will be greatly appreciated.
Investing Deals
Ally Bank: $250 bonus for $50k IRA rollover
Added on : Friday January 10th 2014 11:00:05 AM
g: 2 Posted By: tuphat
Views: 107 Replies: 2 Pretty high bonus for this amount, funds only have to remain on deposit until July 2014.

HOW TO GET YOUR $250 BONUS:

Just make deposits totaling $50,000 or more from outside Ally Bank between 1/1/14 and 5/31/14. That includes rollovers, trustee-to-trustee transfers and contributions.
You can make multiple deposits to your Traditional, Roth, and SEP IRA Plans to meet the $50,000 deposit requirement.
Your $250 Bonus will be paid in July 2014 into the Ally IRA Online Savings Account or IRA CD that received the last transaction to reach the deposit required.

http://www.ally.com/learn/ira-bonus/?
Investing Deals
g: 0 Posted By: adaminbremen
Views: 45 Replies: 0 I am interested in identifying companies that stand to gain by the spread and adoption of Bitcoin. For example, Overstock accepts Bit and believes they will see 1-2% of all 2014 sales transacted in Bitcoin. Considering that they also avoid credit card fees etc on those sales, and their average margin is 2%, I would have to say that they are a company that will gain as Bitcoin adoption spreads. What other publicly traded companies will gain by the widespread adoption of Bitcoin?
Question Deals
Loyal3 Santander IPO - buy stock with CC
Added on : Thursday January 09th 2014 01:00:11 PM
g: 0 Posted By: Matr0skin
Views: 57 Replies: 1 Loyal3 is offering shares in Santader Consumer USA IPO with zero fees. Credit card funding available. I'm waiting to see how Citi treats my initial credit card funding.
http://ipo.loyal3.com/santander
Investing Deals
Invest in marijuana vending machines
Added on : Wednesday January 08th 2014 11:00:08 AM
g: 0 Posted By: tightpapa
Views: 117 Replies: 6 I don't want anyone under the age of 18 reading thisArticle
Investing Deals
Investing in Marijuana
Added on : Wednesday January 08th 2014 10:00:07 AM
g: 0 Posted By: mastroadam
Views: 47 Replies: 1 Whether you support the stuff or not, weed will most likely be legal in all 50 states for recreational purposes. I don't think there is any argument there.It's still early in the game. Has anybody done any research on what companies will profit on weed? I've found a few penny stocks that imay throw some bucks at.

PHOT
MJNA
CBIS
GWPRF
GRNH
MWIPD
Investing Deals
Moving 25k from 401k to IRA - need help with asset allocation
Added on : Wednesday January 08th 2014 08:00:08 AM
g: 0 Posted By: vijaychauhan
Views: 8 Replies: 0 Hi Guys,

Looking for some guidance here. I am moving to a new job and plan to move my 401k into my existing Fidelity Traditional IRA. I currently have about $25000 in my 401k which I would move.
here are the fidelity mutual funds that i was looking at and was hoping to get some advice on them.
The idea is hold long term, I am currently 32 years old so can be a little aggressive in my allocation.
I usually like to diversify my allocation but i want to bet on heath care long term and hence the Select health care fund.

Can someone please let me know if this look ok or if you would make any changes to them ?
Index Expense ratio 10 year return% Investing amount Allocation FUSVX 0.07% 7.33% $12,500.00 50.00% Spartan 500 Index Fund - Large Cap US FSIIX 0.20% 6.95% $5,000.00 20.00% eupore, asia, internation exposure FSEMX 0.10% 10.34% $2,500.00 10.00% Mid cap growth US FBIDX 0.22% 4.19% $2,500.00 10.00% US govt debt,etc FSPHX 0.79% 12.34% $2,500.00 10.00% Select Health Care Total $25,000.00 100.00%
Thanks
S
Interpreting Early IRA Distribution Rules for Education Expenses
Added on : Tuesday January 07th 2014 12:00:13 PM
g: 0 Posted By: Gauss44
Views: 53 Replies: 0 I withdrew money from an IRA to pay for expenses that may or may not be considered "educational expenses" by IRS's standards.

The IRS's rules are here:http://www.irs.gov/publications/p970/ch09.html

The most relevant part seems to be this line: "Qualified education expenses.For purposes of the 10% additional tax, these expenses are tuition, fees, books, supplies, and equipment required for enrollment or attendance at an eligible educational institution."

My situation: I have 2 kinds of educational expenses. 1. The first kind of expense is preparation for the MCAT exam. IMO, any tutoring, books, prep courses, etc. to prepare for the MCAT might be "required for enrollment or attendance at an eligible educational institution" because you cannot go to medical school without a satisfactory score on the MCAT. However, I suspect that while this might fit IRS's definition, it might not be what they meant when writing those rules. 2. The second type of educational expense I had in 2013 includes tutoring, a calculator, pens, and notebooks required to complete free online courses offered by MIT (Massachusetts Institute of Technology). I looked up the definition of "enroll" online and it didn't say that paying tuition is a requirement for "enrolling." Since I registered for these classes on the website, I wonder if I was "enrolled" for tax purposes. Since it says "enrolling or attending" I'm wondering if "attending" classes virtually by watching the classes online and taking part in online discussions counts.

I suspect that this is a "gray area" that IRS reps won't be helpful with or will have conflicting advice. Before checking with a tax attorney, I figured I would post this here to see if anyone else has had these questions in the past, in 2012 or whenever, and if you have an opinion about whether or not any of this qualifies as an "educational expense" by IRS's standards.

Tutoring was from Wyzant: www.wyzant.com
Free online courses were from MIT here:http://ocw.mit.edu/courses/
Investing Deals
What is proper way to begin investments for child
Added on : Monday January 06th 2014 06:00:11 PM
g: 0 Posted By: RomanStone
Views: 71 Replies: 1 Our daughter is 9 years oldandwe'retrying to teach her good financial habits. She currently has about $1500 in savings and is asking me whatI think she should do with it. Up until this point we just suggested she save as much as possible. But, I think she's old enough to learn about investing. I was consideringoffering her a "401k" where we match, dollar fordollar, whateveramount she manages to save, and to also learn how to invest that money and watch it grow.

In addition to what my daughter saves, and the amount we match, We will alsoinvest $2500/year for her in a separate account. Howwould you recommend we go about doing this? What type of accounts should we set up?


Thanks inadvance!




Personal Finance Deals
BMC Software (symbol BMC) is now a Private Company
Added on : Monday January 06th 2014 01:00:12 PM
g: 0 Posted By: agawam
Views: 9 Replies: 0 I owned a few shares of BMC stock which has now become a private company. My common shares have been bought back in 2013 at a small profit to me. Since this was a transaction that I did not initiate, Firstrade did not generate a confirmation statement for the transaction. The only thing I have to reflect this transaction is an entry on my monthly statement that indicates a "Cash Merger" took place. Should I expect to receive a 1099 for this cash merger? The representative at Firstrade did not know nor did he make much of an effort to find out for me. Assuming that I don't get a 1099, how should I reflect this on my taxes? Should I fill out a Schedule D? Thanks.
Investing Deals
Seeking comprehensive dividend-stock site
Added on : Monday January 06th 2014 08:00:10 AM
g: 2 Posted By: Solomon960
Views: 102 Replies: 2 I have invested in dividend-paying stocks for several years. During my analysis of potential trades, I must consult multiple sites in order to arrive at a decision. Though it is always wise to perform due diligence when making a decision, it can be frustrating to learn that the content of one site is not reflected in another (when evaluating one specific criterion) or that no site includes the information one seeks.

Therefore, I am seeking others' thoughts on one site which includes the following two variables: (1) identifies all known U.S. and Canadian dividend-paying companies and (2) includes the number of dividends (both regular and special) each company paid out each calendar year.

To date, I have yet to find a site that includes all active dividend-paying U.S./CAN companies - those that are well known and those that are traded OTC. Accordingly, by default, since no site identifies all applicable companies, none identify the total number (and amounts of each) dividends issues each year.

For reference, I regularly visit the following sites for research purposes:

dividata.com
www.dividendchannel.com/
www.dividend.com
ycharts.com
www.gurufocus.com
seekingalpha.com
www.dividendinvestor.com
investing.money.msn.com
finance.yahoo.com
www.marketwatch.com
www.stockhouse.com


Thank you.

Investing Deals
g: 2 Posted By: remick
Views: 288 Replies: 0 http://www.amazon.com/Arts-Numbers-Financial-Performers-Creative-ebook/dp/B00B6U09K4

5.0 out of 5 stars (7 customer reviews)

The creative classartists, actors, writers, musicians, freelancers, dancers, performers, and the likeare known for applying their passion for creative expression to everything they do. Perhaps the one thing that most fills this group with apprehension is the rigid world of numbers. This leads to problems arising from the unconventional financial and business situations of creative professionals, as well as the nonprofit organizations with which they're often affiliated. Finances, budgeting, and business matters can be dreaded, if not outright ignored, by creatives--to the detriment of their artistic pursuits.

Author, artist, and CPA Elaine Grogan Luttrull has written Arts & Numbers to help creative professionals find the same confidence in their financial dealings as in their chosen mode of expression. It is an engaging, accessible guide that covers a variety of must-know topics, such as budgeting, cash management, visual charting, taxes, employment, and business etiquette. In a simple, straightforward style, Luttrull draws examples from smooth-flowing narratives depicting common issues within the arts worlds, as well as from her own personal anecdotes. Unlike stuffy textbooks and patronizing business books, Arts & Numbers is a lively and artfully done ally in helping creative professionals plan their present financial situations and secure their futures.



Personal Finance NOW: Top Keys to Understand Personal Finance, Financial Planning, Budgeting & Investing Through The Power of Effective Money Management ... Investing, Money Management, Debt, Money)
http://www.amazon.com/Personal-Finance-NOW-Understand-Management-ebook/dp/B00HHLW5RQ

You are about to discover how to get in charge of your financial life. No matter what you do for a living, you are going to need financial literacy to succeed in life. You know this; that is why you picked up this book. The fact is that the amount of success you achieve both in your business and personal finance is determined by the ability to track your spending, build up savings, and invest the smart way towards a better future. Its determined by the ability to develop the right money habits that will take you where you want to go in life.


Spending Smart: A Consumer's Guide to Saving Money and Making Good Financial Decisions
http://www.amazon.com/Spending-Smart-Consumers-Financial-Decisions-ebook/dp/B00BVTW4BW

Spending Smart is a compact but immensely helpful collection of columns from the weekly Chicago Tribune column penned by Gregory Karp. Offering tips for consumers across a wide variety of fields, including insurance, banking, cars, phones, homes, travel, and more, this book is a terrific primer for how to take better care of your money and find deals where others aren't even looking.
Books Deals

Amazon Coupons
Investment Property Advice
Added on : Saturday January 04th 2014 04:00:06 PM
g: 0 Posted By: OCDSaver
Views: 105 Replies: 1
I have been renting my former primary residence for 3 years.
Current FMV $320k
Mortgage balance $200k, 2.875%, 21 years remaining. Rate resets every October, tied to average 12 month Libor+ 2%. I have the ability to refinance at any time to a fixed rate and term of my choosing based on the prevailing IRS applicable federal rate
Rents cover all expenses (Mortgage, HOA, Property Tax, Insurance, Repairs, etc.)
I do my own taxes through Turbo Tax so I am not very clear on how depreciation factors in to any decision I make
I recently hired a property manager and because I'm not losing money on the property, I would not be inclined to sell it

Questions:

How would you approach the refinance situation? Applicable federal rate is currently 3.44% and rising. How aggressive would you be in paying down this mortgage? The balance in the business checking account is steadily growing so I have surplus cash that I won't be investing for fear of a major unexpected repair. Also, my day job is in finance so I don't want to put all my eggs in the financial markets basket, and the idea of investing a little more to my only real estate holding seems attractive (we pay rent on our primary residence)
If I were to sell down the road, how is my gain computed?
How does depreciation factor in?
If this property management flows as smoothly as I hope, this seems like a nice investment. Anything I should be thinking about, considering this isn't my day job

I'm happy to answer any questions. I'm sure I've left a lot out.
Real Estate Deals
Stock purchase
Added on : Saturday January 04th 2014 01:00:11 PM
g: -2 Posted By: jhfranck
Views: 56 Replies: 1 I have deposited a little over $100,000 at ameritrade to start
Purchasing and trading stocks suggestions help
Investing Deals
Backdoor Roth Timing
Added on : Friday January 03rd 2014 05:00:15 AM
g: 0 Posted By: cpaynter
Views: 88 Replies: 2 In 2013, for the first time in our lives, DW and I made too much money to contribute directly to Roth IRAs. Good problem to have, I know. So we switched our contributions to non-deductible traditional IRAs, then come December, converted those traditional IRAs to Roths. So all is well, except that we start out 2014 with exactly $12,000 in our 2013 Roths. In other words, we're missing out on any tax-free growth for the year. I'm thinking that it would have been better, as soon as we knew we'd be over the income limit for Roth (in our case in June), to immediately make our full contributions to the traditional IRA's and convert those to Roth's. That way, all earnings for the rest of the year would roll into the Roth's and would be tax protected. Am I wrong here? Turns out in 2014, we'll probably be in the same state (over the earnings limit). So I'm thinking we're better off to, right now, contribute the max to a traditional IRA and do the conversion to Roth. That way, we'd keep in the Roth the whole year of earnings, instead of just $12,000 if we waited until December to do the conversion. Am I overthinking this?

Chris.
Investing Deals
g: 0 Posted By: FWpep
Views: 158 Replies: 4 So if you read a financial article today, whether it is bullish on the market or bearish on the market you will see a gazillion comments in the comment section of the articles each making the opposite case. Since I think most would agree that people here in the FW Finance forum are typically smarter (financially speaking) than most, I thought the folks in this community could put forth their thoughts on this subject.

I recently watched some youtube videos of the financial coverage about a week before the crash in 2008 (Sept. 14-19 2008), this was just before the huge slide down. I found it to be a good exercise because I had already forgotten just how bad it got even before the huge slide down. You could actually hear the fear in the tone of the usually very optimistic anchors and analysts. I had mistakenly thought that they remained optimistic up until the point the market plummeted but that was not the case at all. They were talking financial armageddon days before the huge slide really got underway.

So in hindsight it is easy to see that the housing market down turn, bad loans, and perhaps most importantly the crisis in confidence with bad ratings on the mortgage backed securities would end badly. A whole cascade of bad things happened when that began to unwind. That is the short version of course.

It seems today that we are in much better shape. The economy is supposedly fairly strong, and headed in the right direction albeit slower than hoped and the stock market is hitting new highs every other day. However, stock markets cannot go up forever. Not asking for a prediction of when (but you can include if you'd like) but more of a big picture look knowing all we know about the Fed's monetary policy and general economic conditions and trends. I would have thought that we would have widespread inflation right now, but that is not the case and I don't really know why there isn't massive and widespread inflation. So,

1. What do you THINK will cause the next downturn?

2. Do you think it will be a mild and orderly downturn OR a major downturn?

3. What are you doing to protect/hedge your entire financial portfolio?









Investing Deals
Maxing out retirement - what to do next?
Added on : Thursday January 02nd 2014 03:00:07 PM
g: 0 Posted By: CaptainHuey
Views: 200 Replies: 5 My wife and I are fortunate enough to be able to max out our 401k's and Roth IRA's (viayearlybackdoor conversions). With my 401k match, we put away ~$50k in 2013 towards retirement and we are in our mid/late 30's. We have been doing this level of maxing-out for close to a decade (at whatever the limits were), so our combined retirement balance is pretty good given our age.

We also own a nice home in a pricey area where we have 30%+ equity and it is being financed over 15 years at 3% fixed. The house should be paid off when our oldest child is of college age and our average age would be ~50. I think that we should have a very comfortable retirement with 10-12k/month, and I think we are on track for that (especially if the massive mortgage payment goes away ~15 years prior to retirement).

All that said, we have a few tens of thousands in savings not earning much and with the prospect of padding on to that with additional savings from leftover funds, the question is, what to do with the money?

-Munis? Seems like relatively low yield and ties the money up.
-Taxable investment account? Probably will go this route and buy index funds.
-Rental property? I am VERY handy, but I live around a pricey area, so it is not so easy to find a rental property that seems like a "slam-dunk" investment. Example: The best I've found is a 4-unit (all 1BR/1BA units) in average shape & location selling for over 500k with a profit of 39k/year assuming all four units are rented. I then have to pay the mortgage from that - figure ~30k/year (20% down) for a net profit of around 10k/year. Nothing else comes close.
-Buy small business and have someone run it? Could be profitable if properly vetted but always risky to have someone else run it.

Thoughts on what to do or anything else I mentioned?

Investing Deals
Just how unique was the run up in the market this year?
Added on : Wednesday January 01st 2014 09:00:10 AM
g: 0 Posted By: packers9626
Views: 193 Replies: 1 There was a 32.4% run up on stocks in the S&P 500 this year. I am relatively young and have only had money available to invest for the last few years. My basic strategy so far has been to buy large, well established companies with a good business who have stocks that are selling at a significant discount. Those kind of stocks are becoming very hard to find in this environment.

What kind of strategies would you recommend in the current market? I do not have a mortgage or any debt worth paying off to spend my excess money on until market conditions change.
Investing Deals
Child/Kid/Baby/Newborn Roth IRA Contribution $399 Per Year
Added on : Tuesday December 31st 2013 04:00:08 PM
g: 1 Posted By: theorca
Views: 72 Replies: 0 Facts
* Roth IRA contributions are limited to earned income.
* Earned income includes net earnings from self-employment.
* There is no self-employment tax on net earnings from self-employment under $400.
* You do not have to file a federal return if net earnings from self-employment were under $400.
* You do not have to file a federal return, as a single dependent, if your earned income was under $6,100, or your gross income was less than the larger of $1,000 or earned income (up to $5,750) plus $350.

Plan
Have your child perform self-employment work for you. Pay your child $399 per year for this work. Leave a paperwork trail (i.e., canceled checks). Your child does not have to file a federal return and does not have to pay federal self-employment tax. Issue your child a 1099-MISC for $399 per year to demonstrate earned income sufficient to permit a Roth IRA contribution. Contribute $399 to a Roth IRA every year. You can still claim your child as a dependent.

Downside
Even though the amounts are small, the compensation to your child would need to be legitimate and for something. Also, again, even though the amounts are small, because the earned income comes from net self-employment earnings (as opposed to wages that require a lot of paperwork), there could be a question about whether your child's work (and thus compensation) is really in the nature of self-employment vs. employment.

Furthermore, as the goal is to permit Roth IRA contributions and nothing more, to avoid questions about whether paying your child $399 per year constitutes a legitimate business expense, you could add $399 per year to your business' gross receipts and thus neuter the $399 business deduction. For example, if you own a lawn care business, you could pay your business $399 to mow your lawn and then pay your child $399 for mowing the same lawn.

Then again, perhaps the parent does not own a business, in which case he simply issues the child a 1099-MISC using his Social Security Number as the payor, without involving any business or Employer Identification Number. Again, the parent must actually be compensating the child for something.

An amount greater than $399 can be accomplished if the parent is willing to treat the child as an employee and deal with the associated paperwork (the upside is that there are federal employment tax savings for hiring family).

Is It Worth It?
$399 per year annually compounded at 8% over 21 years is $20,778.94. Assuming no further contributions after 21 years, the $20,778.94 becomes $451,412.53 after 40 additional years (age 61).

Your monthly deposit of $33.25 for 20 years with an interest rate of 8.00% compounded Annually with an initial starting balance of $399.00.

Year...Balance
1...$844.35
2...$1,325.32
3...$1,844.77
4...$2,405.78
5...$3,011.67
6...$3,666.03
7...$4,372.74
8...$5,135.99
9...$5,960.29
10...$6,850.54
11...$7,812.01
12...$8,850.40
13...$9,971.86
14...$11,183.04
15...$12,491.11
16...$13,903.82
17...$15,429.55
18...$17,077.34
19...$18,856.96
20...$20,778.94

Your monthly deposit of $0.00 for 40 years with an interest rate of 8.00% compounded Annually with an initial starting balance of $20,778.94.

Year...Balance
1...$22,441.26
2...$24,236.56
3...$26,175.48
4...$28,269.52
5...$30,531.08
6...$32,973.57
7...$35,611.45
8...$38,460.37
9...$41,537.20
10...$44,860.17
11...$48,448.99
12...$52,324.91
13...$56,510.90
14...$61,031.77
15...$65,914.31
16...$71,187.46
17...$76,882.45
18...$83,033.05
19...$89,675.69
20...$96,849.75
21...$104,597.73
22...$112,965.55
23...$122,002.79
24...$131,763.01
25...$142,304.06
26...$153,688.38
27...$165,983.45
28...$179,262.13
29...$193,603.10
30...$209,091.34
31...$225,818.65
32...$243,884.14
33...$263,394.87
34...$284,466.46
35...$307,223.78
36...$331,801.68
37...$358,345.82
38...$387,013.48
39...$417,974.56
40...$451,412.53

Final Savings Balance: $451,412.53
Investing Deals
Future Investing Options: Recent grad with no idea what money is
Added on : Monday December 30th 2013 07:00:08 AM
g: 0 Posted By: Raylon
Views: 8 Replies: 1 August of last year I was hired to work at a job I will most likely be at for a long time. I am making $90k base and currently putting away 12% into 401k and 1% into company stock. I am saving approximately $1000 a month to build up funds for a house down payment. I would like to purchase a house in the Fall of 2015. But that still leaves my quite a bit of leftovers I am unsure what to do with. I have approximately $20k in an online savings account making 0.9% interest. I would like to see more return on this but have no idea how. It seems to me I would need to keep the funds somewhat liquid due to the fact I will be using that money in less that 2 years. I don't think there will be many options out there for me. Would it be wise to try and get more return on the money before I get a house or keep making my ~$20 a month in the online savings account?
Personal Finance Deals
401K SOLO Account Openig (HELP)
Added on : Sunday December 29th 2013 09:00:06 AM
g: 0 Posted By: VJ
Views: 84 Replies: 2 Just now, I've realized that I haven't established 401K SOLO/Self employed account yet for 2013. I've never held one before. Does anyone know of any broker who does it via online/fax without mailing in forms to start with. I looked at fidelity and it looks like I need to mail in forms. I appreciate any help/suggestions.
Thanks.
Investing Deals
ShareBuilder and Individual Bonds
Added on : Sunday December 29th 2013 08:00:12 AM
g: 0 Posted By: BrunoB
Views: 17 Replies: 0 I have a bonus code for ShareBuilder to deposit, transfer or roll over money or assets by December 31, 2013. They accept Cash, Stocks, Mutual Funds. But do they accept Individual Bonds?
Investing Deals
Advice on Financial Layout
Added on : Saturday December 28th 2013 12:00:07 PM
g: 1 Posted By: PF2014
Views: 172 Replies: 9 Details

Wife and I are both 31 years old
Total net income: $67,600/ year; $5,633/month

Work Retirement Accounts
We both contribute 25% to our respective retirements at work
Me: 401k (3% match)
Wife: 403(b) teacher
Current Amount $5K [I started new job and recently got wife to sign up for 403b]

Personal IRA Account
Mine (Rollover & Roth IRA): $122K, Vanguard Target Retirement 2045
Wife's (Roth): $5500, Vanguard Target Retirement 2045 [Just got wife to sign up for Roth]

Bank Accounts
Checking: $24K
CDs: $20K [Waiting to mature to divert funds to High Yield Savings]
High Yield Savings (0.85% APY): $100K
Regular Savings (Emergency): $23K

Expenses
Mortgage + HOA: $900/month
Cell phone: $130/month
Internet: $35/month
Utilities: $40/month
Car Insurance: $150/month

Recently signed up for mint.com to track spending
Groceries: $350 /month
Restaurants: $575 /month
Wary about the cost to feed us...I think this is something to work on for 2014

Other info
Own both cars, 2005 & 2009 models
Hoping for healthy baby in 2015 & thinking about 529 plan
High amount of liquid cash because wife didn't invest in her 20's. After we met, I advised investing (opening 403b, Roth IRA)


Requesting your counsel for plan of action for 2014 to maximize our money saving and having our money work harder for us. Will provide more info if needed. Thank you!
Personal Finance Deals
g: 0 Posted By: tightpapa
Views: 40 Replies: 0 Is #62 on Forbes 365 ways to get rich.

let the criticism begin an the reds fly.
Investing Deals
I work for a foreign company with an employee stock purchase program
Added on : Thursday December 26th 2013 01:00:07 PM
g: 0 Posted By: packers9626
Views: 47 Replies: 0 30% employer contribution, with a possible bonus. Seems like a pretty good deal, as this is a large, stable corporation. However, the thing is, this is not an American company. So I am subject to currency fluctuations and whatnot.


I hate giving up free money. Anyone really know what the ramifications are to buying stock in a foreign company?
Investing Deals
Roth IRA - asset allocation and strategies
Added on : Tuesday December 24th 2013 01:00:04 PM
g: 0 Posted By: anusha123
Views: 9 Replies: 0 Age . 32
ROTH IRA with vanguard
just planning 100% on 2045 vanguard Target retirement fund for Roth IRA with 5.5k every year.

what s FW way or your way of allocating asset in ROTH IRA

would you mind showing your allocation and strategy ?
Investing Deals
Retirement crisis based upon financial paralysis
Added on : Sunday December 22nd 2013 09:00:06 AM
g: 0 Posted By: iseetrails
Views: 66 Replies: 0 Issue: I believe that I have become afraid of the market and cant make rational choices regarding my retirement anymore.

Short background: age: 44, self-employed, California, 90,000 gross income with approx. 50,000 take home after all taxes and business expenses. In 1998, I started taking active management in my 401k accounts and promptly lost half of my balance at the time in the tech crunch. In 2007, I broadened my investment approach to commodities and lost quite a bit more. Since then, I have drifted more and more toward cash or cash equivalents as I become more risk adverse.

Goal: to contribute approx. 15% of salary a year to retire accounts with annual returns of approx. 8 to 10%. Current balance is approx. $200,000.

Problems: assets are spread across four retirement accounts and difficult to track. Allocation is currently $100,000 in stocks and $100,000 in cash or cash equivalents. Need to get money from earning nothing in cash items without entering market all at one time. Need to regain confidence in self as investor.

Question: has anyone had similar situation where they got past investing fears on their own; or should I find someone else to manage my money? I dont want to pay a 1 or 2% fee but it is currently more attractive than my inaction in investing. I am also stuck with how quickly you can reinvest 50% of the value of the portfolio back into stocks without buying at wrong time. Is 5 or 10% per month a safe rate to re-enter?

If the cash is just sitting in retirement accounts; is there any reason to contribute any more to retirement accounts at this point or just pay down mortgage until all 401k money is invested? The idea of having my mortgage paid off before retirement has a strong emotional attraction that I am not sure is the best use of the money. I have no other debt and enough emergency cash.
Personal Finance Deals
Multifamily apartment fractional investing
Added on : Friday December 20th 2013 11:00:09 AM
g: 0 Posted By: love2work
Views: 128 Replies: 2 Hi,

I was offered an opportunity to invest into purchase of a large apartment complex (200 alts). The company is 37th Parallel. It appears they are a syndicator - pool investor money together to purchase and manage apartment building, and at some point refinance to take the cash out towards purchasing another one. They already have a number of buildings in their portfolio.

As an investor, I submit a minimal investment amount and will receive quarterly distributions. Does anyone have an experience either in multifamily investment with syndicator or with this particular company to reflect on their experience? I am going to do my due diligence of course, but can you recommend any to pay attention to particular points or ask certain questions? Thank you
Personal Finance Deals
$10 K resting in my checking account
Added on : Thursday December 19th 2013 09:00:10 AM
g: 0 Posted By: nagkarjun1
Views: 145 Replies: 4 I have a $10 K resting in my checking account. Any suggestions to do with it.
I am able to go with Shot term or long term plans
Any suggestions appreciated.
Investing Deals
I have $300 in my saving account, what stock should I buy?
Added on : Wednesday December 18th 2013 09:00:06 AM
g: 0 Posted By: Muniee
Views: 230 Replies: 7 Or mutual fund maybe...or just continue saving?
Investing Deals
Eyeing a rental market play? Blackstone wants you
Added on : Wednesday December 18th 2013 12:00:05 AM
g: 0 Posted By: raspino
Views: 45 Replies: 0 http://finance.yahoo.com/news/eyeing-rental-market-play-blacksto...

looks like an opportunity for those interested in rental on a bigger scale.
Investing Deals
Investing for a new child
Added on : Monday December 16th 2013 02:00:08 AM
g: 0 Posted By: jhall1822
Views: 57 Replies: 2 Our 3 month old son just received a few hundred bucks for his baptism and I'm assuming he could possibly get more money around the holidays. We're trying to figure out the best approach for investing money for him. This would also include money on a monthly basis from his mother and I.

I have already started a 529A for him but we don't want to put too much money over an 18 year span into a 529A in case he gets scholarships, doesn't go to college etc. Is our best approach to put some in a 529A and the rest into another account with stocks/indexes?

Thanks!
Question Deals
Should I Invest? (question for people w/ home renovation experience)
Added on : Saturday December 14th 2013 07:00:05 PM
g: 0 Posted By: mrobm
Views: 128 Replies: 3 So I had a colleague approach me about a business he's starting and I need some advice before investing anything in it. In reality, he only needs a pretty paltry amount (even if I got zero return, it wouldn't even come close to breaking the bank), but I still want to see if people with more experience in the home renovations/house flipping industry than I have think it meets a legitimate need. The in-person validation I've done has definitely been slanted in one direction, and I'm curious if people here will agree.

First, for those of you who have done considerable room/home renovations, particularly on an investment home or some other semi-professional endeavor, how much of a pain is it to go around and get all of the right supplies from the various sources throughout the project? Is it a huge time investment to plan out and purchase everything you need throughout the project?Was staying within your intended budget difficult throughout the project?

Second (the most important part), would itbe useful to be able to go to a website and see completed rooms (with all the paint, colors, fixtures, tiles, flooring, appliances, etc. all matching and looking good together)that you could select and have all the materials you need to recreate the room shipped right to your door? The price for the room would not be any higher than you would pay purchasing each item individually. (just to give it a quantifiable amount, please rate it 1-10)

Thanks! I appreciate you sharing your expertise!
Investing Deals
Vanguard 401k fund- mess with it or keep all in target 2050 retirement?
Added on : Saturday December 14th 2013 05:00:11 PM
g: 0 Posted By: packers9626
Views: 104 Replies: 1 I am contributing $184 every two weeks. Thinking of maybe diversifying a bit. I can choose from other various Vanguard funds. One that caught my eye was the Fidelty contrafund (=12pxFCNTX). Heres the funds strategy:

=12px"The investment seeks capital appreciation. The fund normally invests primarily in common stocks. It invests in securities of companies whose value the advisor believes is not fully recognized by the public. The fund invests in domestic and foreign issuers. It invests in either "growth" stocks or "value" stocks or both. The fund uses fundamental analysis of factors such as each issuer's financial condition and industry position, as well as market and economic conditions to select investments."


Would there be any downside to allocating 20% of my contributions to this?
Investing Deals
g: 0 Posted By: johnmayer
Views: 73 Replies: 3 Here's a little background. I'm 26, currently make around 22k a year, renting an apt.

Within the past few years I inherited around $95K.

$15k went into a Roth IRA into a few random ETF's and stocks of my liking. It has now grown into $18K. Another 5K has been added to the IRA.

$25k is currently sitting as liquid cash.

Another 50K is sitting in stocks/funds in which I inherited, and is run by a financial adviser, (not sure what his % take is, off the top of my head). So i'm not sure the investments are quite suited for myself.

I'm looking for some ideas on what to do with it, that would be in my best interest, being a bit younger. I don't have any debt. I would like to get a home in the next few years, so I might want to use some as a down payment. Since the housing market is pretty good right now. I did read a bit about the Vanguard Target Retirement Fund, but was not sure if it was the right approach for me.

Ideas on what to do with the 95k?

Thanks to all that answer!
Investing Deals
sold company, received common stock and share price goes down?
Added on : Friday December 13th 2013 01:00:16 PM
g: 0 Posted By: vinouspleasure
Views: 169 Replies: 4 Hi,

I'm pondering this scenario, the numbers below are not real but are illustrative of a potential future scenario:

I'm offered $500k cash + $500k worth of listed stock for my company but I can't sell the stock for a couple of years:
- do I pay taxes on $1mm now? If so, let's call that $500k in taxes, so after tax, I'm at zero cash.
- let's say the stock loses half it's value after two years and I sell the stock for $250k.
- I have a long-term cap loss of $250k and I overpaid my taxes by $250k.
- Is there anyway to write off my loss at a rate greater than $3k per year? Is there any way for me to recover my $250k of taxes?
- If not, it looks like I sold the company for $1mm and walked away with $250k.

Investing Deals
g: 0 Posted By: jnaks4
Views: 218 Replies: 1 Hi all, I was hoping to get some advice from you who are extremely more knowledgeable when it comes to money management and financial advice.

Here's the basics of my situation:

-Recently graduated in 2011, so there are still 8 years left on my student loan repayment plan. total monthly payment of $2032.
-11 loans that total just about $145k at either 7.65% or 6.55%
-$19652 @ 7.65%
-$15702 @ 7.65%
-$9492 @ 7.65%
-$26165 @ 6.55%
-$25007 @ 6.55%
-$22273 @ 6.55%
-$7179 @ 6.55%
-$7179 @ 6.55%
-$7178 @ 6.55%
-$2559 @ 6.55%
-$2217 @ 6.55%
-Gross income of $121,430, net of $2820 per biweekly paycheck
-currently contributing just 5% to my 401k to maximize the company match
-employee stock purchase plan option at 15% discount, but currently not investing anything here
-Rent and all other living expenses total $1200-$1500 per month.
-Savings at 35,000

I was thinking about my situation the other day and don't especially care for the thought of dumping most of a paycheck toward my student loan debt for the next 96 months. I have been considering making more than the standard loan payments to expedite the process, but have heard differing opinions with regards to investing vs. paying down debt early. Any input regarding my situation would be greatly appreciated, thank you very much in advance.
Investing Deals
g: 0 Posted By: jnaks4
Views: 97 Replies: 0 Hi all, I was hoping to get some advice from you who are extremely more knowledgeable when it comes to money management and financial advice.

Here's the basics of my situation:

-Recently graduated in 2011, so there are still 8 years left on my student loan repayment plan. total monthly payment of $2032.
-11 loans that total just about $145k at either 7.65% or 6.55%
-$19652 @ 7.65%
-$15702 @ 7.65%
-$9492 @ 7.65%
-$26165 @ 6.55%
-$25007 @ 6.55%
-$22273 @ 6.55%
-$7179 @ 6.55%
-$7179 @ 6.55%
-$7178 @ 6.55%
-$2559 @ 6.55%
-$2217 @ 6.55%
-Gross income of $121,430, net of $2820 per biweekly paycheck
-currently contributing just 5% to my 401k to maximize the company match
-employee stock purchase plan option at 15% discount, but currently not investing anything here
-Rent and all other living expenses total $1200-$1500 per month.
-Savings at 35,000

I was thinking about my situation the other day and don't especially care for the thought of dumping most of a paycheck toward my student loan debt for the next 96 months. I have been considering making more than the standard loan payments to expedite the process, but have heard differing opinions with regards to investing vs. paying down debt early. Any input regarding my situation would be greatly appreciated, thank you very much in advance.
Investing Deals
AMC Offers Fans Shares in $368 Million IPO
Added on : Thursday December 12th 2013 04:00:07 PM
g: 0 Posted By: vickh
Views: 208 Replies: 0 http://www.bloomberg.com/news/2013-12-04/amc-theater-chain-offers-movie-fans-shares-in-368-million-ipo.html

Worth $12joining to participate? Not expecting a big pop but you never know...

Also got a lot of Fandango certs from a FW deal that I'll beusingthere as well...

NM https://ipo.loyal3.com/amc

signed up for loyal3.comthough
Investing Deals
401K thru Fidelity
Added on : Thursday December 12th 2013 06:00:12 AM
g: -1 Posted By: dorandoran
Views: 117 Replies: 1 I originally picked FA FREEDOM 2040 I (FIFFX) for investment. After talking with a co-worker I learned this is a poor choice and only has 3 stars. The 10 YR performance 6.37%. Anyway, I have altered my elections and picked below. Let me know what you think? Should I left it alone with FA Freedom 2040 I?Current Investment Elections
Asset Class Subclass Fund Name Current % Stock Investments LARGE CAP FA LARGE CAP I FALIX 10% Stock Investments LARGE CAP FA NEW INSIGHTS I FINSX 15% Stock Investments LARGE CAP INVS EQL WT S&P500 Y VADDX 20% Stock Investments LARGE CAP INVS GRTH & INC Y ACGMX 10% Stock Investments LARGE CAP SPTN 500 INDEX ADV FUSVX 15% Stock Investments MID-CAP IVY MID CAP GROWTH I IYMIX 10% Stock Investments SMALL CAP FA SMALL CAP I FSCIX FSCIX 10% Stock Investments INTERNATIONAL ALZGI NFJ INTL VL IS ANJIX 5% Stock Investments INTERNATIONAL OPPHMR INTL GRTH Y OIGYX 5% Total: 100%

Investing Deals
Out of Free Trades - Switch Accounts?
Added on : Tuesday December 10th 2013 10:00:09 AM
g: 0 Posted By: illtech
Views: 24 Replies: 0 I just ran out of free trades from TD Ameritrade. I even ended up getting 120 worth instead of 60, score!

At any rate, I'm thinking I should open a new account with more free trades. I am putting < $5,000 in these accounts, so the round-trip fees have an effect on my trading.

Thoughts? I was thinking ETrade?
Investing Deals
Recently Deceased FIL IRA Rollover Issue
Added on : Monday December 09th 2013 04:00:14 PM
g: 0 Posted By: raringvt
Views: 75 Replies: 0 My father in-law died last week. After his diagnosis with leukemia 2 months ago, he told me that he had a pension plan with a former employer for which he had not yet made a payout election.It was obvious that it would be in his best interest to rollover the pension plan to an IRA rather than to elect monthly payments. I explained to him that he should request a direct rollover and left it up to him to fill out the paperwork. I thought it was completed prior to his death, but my mother in-law just received a check for a lump-sum distribution which had the mandatory 20% Fed w/h deducted. The check was simply made out to my father in-law & not the IRA to which he intended to directly rollover to. Presumably, he did something incorrectly on the paperwork & instructed the pension provider to send him a lump-sum.

I understand that "he" has 60 days to re-deposit the funds to his IRA to avoid it being a taxable distribution. My question is what is the best way to go about doing this? Obviously he can't endorse the check since he's dead. My mother in-law has enough cash to simply write a check for the amount prior to tax w/h...would that be the way to go? She should be able to endorse the check she rec'd after she takes his will to the local court clerk, right? She would have to wait for tax filing to get a refund of the 20% w/h, but that's better than paying unnecessary taxes on the distribution. I appreciate any help anyone can provide.
Investing Deals
g: 0 Posted By: attaallah
Views: 172 Replies: 0 Optimizer+plus CDs 1.15% APR for 15 MONTH on Balance $2000 or more,
Promotions Code: BON12
https://www.myoptimizerplus.com/banking/promotions/BON12

FDIC Insured
Free Identity Theft Protection Service

Competitive interest rates

Your choice of terms from 3 to 60 months Minimum opening deposits as low as $2,000 FDIC insuranceup to $250,000 per depositor, per insured bank, for each ownership categoryManage your accounts through our online banking portal or by speaking with one of our Banking Advisors
https://www.myoptimizerplus.com/banking/products/cd/index.htm?UI...
CD Rates and Terms
Terms $2,000-$14,999 $15,000-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000+ APY** APY** APY** APY** APY** 3 MONTH 0.25% 0.35% 0.35% 0.35% 0.35% 6 MONTH 0.35% 0.55% 0.65% 0.65% 0.65% 9 MONTH 0.40% 0.65% 0.70% 0.75% 0.75% 12 MONTH 0.85% 0.95% 1.05% 1.05% 1.05% 18 MONTH 0.95% 0.95% 1.05% 1.05% 1.10% 24 MONTH 1.05% 1.05% 1.15% 1.15% 1.20% 36 MONTH 1.25% 1.25% 1.30% 1.30% 1.35% 48 MONTH 1.50% 1.50% 1.60% 1.60% 1.70% 60 MONTH 1.85% 1.85% 2.00% 2.00% 2.05%

Investing Deals
Bitcoin liquidity - BTC price predictions
Added on : Monday December 09th 2013 01:00:07 PM
g: 0 Posted By: imsparty
Views: 298 Replies: 0 20% of BTC are held in these 100 walletshttp://bitcoinrichlist.com/top100
A few appear to be increasing their position.

Price prediction?



Investing Deals
Day Trader status help
Added on : Sunday December 08th 2013 09:00:07 AM
g: 0 Posted By: spacecadet610
Views: 92 Replies: 0 Anyone have any recommendations for help determining my day trader status, incorporation options as a day trader, and general tax reduction planning help?

Of the 3 major companies I've found, Traders Accounting, Green Trader Tax, Boyer Tax Services, only Boyer Tax Services seems to have some decent reviews.

If I qualify as a day trader, I am thinking of forming an LLC and/or CCorp which would allow me to more easily deduct many expenses related to day trading, tax shield some of the profits, and form a 401k.

Does anyone have experience with this, or have pointers on where I can get help?
Investing Deals
401K Rate of Return
Added on : Thursday December 05th 2013 03:00:07 PM
g: 0 Posted By: Newyorker1905
Views: 100 Replies: 3 Hi Guys

I am not a finance guru and just trying to understand the performance of my 401K.

I am 35 and started late on 401K. Right now I have 80K USD. I do have a 5% company match and I have maximized my contribution so that I can catch up. I put 11% pre tax and my company adds 5%

My rate of return so far is 7.04%

Is this a good rate or not?

Thanks for any suggestions.
Investing Deals
Can employer match on a ROTH 401K?
Added on : Wednesday December 04th 2013 03:00:09 PM
g: 0 Posted By: xuying1
Views: 1 Replies: 0 I just found out that I haven't got employer match since I switched my contribution to Roth401K last year. Before I only got 50% match on my 401K contribution, but not on Roth 401K contribution. Is it company specific?

According to IRS, employer's match could go to a separate pre-tax account, which I have in the same plan.

Can my employer match my designated Roth contributions? Must my employer allocate the matching contributions to a designated Roth account?Yes, your employer can make matching contributions on your designated Roth contributions. However, your employer can only allocate your designated Roth contributions to your designated Roth account. Your employer must allocate any contributions to match designated Roth contributions into a pre-tax account, just like matching contributions on traditional, pre-tax elective contributions.

Did anyone have similar experience?

Thanks.
Investing Deals
Free Kindle Book- Personal Training 101 Selling Mistakes (was $10.02)
Added on : Monday December 02nd 2013 10:00:02 AM
g: 0 Posted By: remick
Views: 71 Replies: 0 http://www.amazon.com/Personal-Training-101-Selling-Mistakes-ebook/dp/B00GZ0TI7K

In this book Gervasio Da Gloria will share with you 101 Personal Training Selling Mistakes that your competitors don't have a clue about. This book will be such a powerful tool for you, because it gives you access to a massive library of business, and personal training sales 'know-how' proven numerous times to get BIG results. All you have to do is put them in practice and make them work for you.


NOT investing in yourself, your business, your future, your freedom can be one of the biggest regrets of your life. Simple because you dont have to make all the mistakes I did in selling personal training to be successful; you simply need to find out what my mistakes were and avoid them and save your own business from certain disaster.

Once you tap into Gervasio Da Gloria experiences, you will be saving your time and money straightaway with exactly what works. He will let you see and grab his inside secrets in how to make money from personal training thats pulled in steady profits month after month for over 10 years.
Penfed 3.04 APY share certificates?
Added on : Saturday November 30th 2013 07:00:07 PM
g: 1 Posted By: nomdeplume
Views: 146 Replies: 1 I just went to Penfed's site. The share certificate banner still touts the 3 year 2.02% rate, but if you click on "more rates" it takes you to a page that has the following table (note the 5 and 7 year rates = 3.04 APY)

Term Dividend Rate APY 6 Month 0.300% 0.30%** 1-Year 0.750% 0.75% 2-Year 1.400% 1.41% 3-Year 2.000% 2.02% 4-Year 2.200% 2.22% 5-Year 3.000% 3.04% 7-Year 3.000% 3.04%

Investing Deals
Defer pension or rollover?
Added on : Saturday November 30th 2013 09:00:21 AM
g: 0 Posted By: generalzodschicken
Views: 56 Replies: 0 I'm 42 years old. I have ~$30k in contributions to a state pension plan. I contribute 5% of gross salary and the state matches it. The return is 6% annually. I am about to change jobs and I'm deciding whether or not to defer my pension benefit or to roll it over now into a Roth IRA. As of now, at age 66, I'd be eligible for a lifetime monthly annuity of ~$1,200. If you leave your money in the pension plan (defer benefit), you get 2% interest on the principal. The important point, though, is that the pension benefits are inflation protected. (Currently 2% increase per year). So, coupled with Social Security, I'd have an inflation-protected ~$3,500 monthly annuity starting at age 67. Those are pre-tax dollars, however.

Now, if I roll my contributions over into an IRA, I lose the matching funds, for one. The question seems to be whether or not I could do better investing the ~$30k than the guaranteed 50% match plus 6% compounded. That seems unlikely. So, I seem to be leaning towards leaving my money in the pension, even though it feels wrong somehow to leave my money in there for the next 25 years without the ability to manage it. Anyway, I guess I'd like to know what the counter arguments would be for rolling it over at this point.

Thanks.
Investing Deals
Investing in mutual funds in non retirement account
Added on : Friday November 29th 2013 11:00:12 AM
g: 0 Posted By: samandy
Views: 66 Replies: 2 Hi

Having some extra cash, I invested in some mutual funds(nonretirement) and had somegrowth.
How does it affect my taxes on growth and let's say it falls in next few fears?

Appreciate your input!

Investing Deals
Novice question: How do you decide when to invest and in what?
Added on : Friday November 29th 2013 06:00:27 AM
g: 0 Posted By: snnistle
Views: 45 Replies: 1 I have never invested in anything (unless you consider the house I live in). However, investing has intrigued me for a number of years. The problem is that I have no clue how a smart investor decides to put money into something. Every time I see something that I like, I pass because of my lack of knowledge and fear of losing money. Here are a few examples:

This is very general, but after 9/11 I saw the Dow fall below $9,000. I told my wife that we should invest because the market suffered a temporary loss, but it would regain the losses. But, I had no clue what to invest in. Today, the Dow is over $16,000 (close to a 200% return).

In 2009 Caribou Coffee CBOU fell below $1.60/share. When they went private and bought out shareholders last year (not sure if that's exactly how to word what happened) each share was worth $16 (1000% return)..

Earlier this month I saw a thread about Bitcoin here on FW. I looked at it as an investment opportunity. The rate then was 1/$250. Today they are valued at over $1000 (400% return).

I've also thought about rental properties, but they seem like a very long-term investment so I haven't looked seriously at this option.

All of my serious thoughts were simply huntches, but they all seemed logical. Just wondering if you could share some insight, thoughts, and advice on how you decide to invest in something. Thanks.
Investing Deals
Motif Investing - Free trades and Rebalancing on Black Friday 2013
Added on : Wednesday November 27th 2013 11:00:10 AM
g: 1 Posted By: gaffer
Views: 478 Replies: 3 Got this email from Motif saying that you can do commission-free trading this Friday, Nov. 29. Everyone just has to have their own Black Friday promo now!
Anyone got a good suggestion for a motif that is in a taxable account?

"Commission offer available for trades executed during market hours on November 29, 2013. Commission will be applied at the time of the trade. A credit for the commissions paid for trades executed during market hours November 29, will be applied to your account within 10 business days following the date of the promotion. Offer is not combinable with other offers."

Dshibb's extremely detailed discussion on Motif Investing

My original post for a $150.00 bonus (still active)

Deal Deals
Motif Investing - Free trades on Black Friday 2013
Added on : Wednesday November 27th 2013 07:00:18 AM
g: 0 Posted By: gaffer
Views: 131 Replies: 0 Got this email from Motif saying that you can do commission-free trading this Friday, Nov. 29. Everyone just has to have their own Black Friday promo now!
Anyone got a good suggestion for a motif that is in a taxable account?

"Commission offer available for trades executed during market hours on November 29, 2013. Commission will be applied at the time of the trade. A credit for the commissions paid for trades executed during market hours November 29, will be applied to your account within 10 business days following the date of the promotion. Offer is not combinable with other offers."

Dshibb's extremely detailed discussion on Motif Investing

My original post for a $150.00 bonus (still active)

Deal Deals
Anyone else seeing "Chase Private Client" on the Chase account pages?
Added on : Tuesday November 26th 2013 09:00:18 AM
g: 0 Posted By: ankitgu
Views: 8 Replies: 0 I logged into my Chase account today and saw that at the top along with a new "Investing" tab. I'm pretty confident I don't meet the requirements for this and never applied for this service.

Anyone else seeing this?
General Economics Deals
investing in "betterment.com"?
Added on : Sunday November 24th 2013 04:00:05 PM
g: -1 Posted By: hamayun
Views: 108 Replies: 1 hi, i came across this site called "betterment.com" for investing. wondering if anyone used it ? what do you think about it and its price structure ?
Investing Deals
Investing Strategy - Shorting ETF Pairs
Added on : Friday November 22nd 2013 06:00:11 AM
g: 0 Posted By: jameshasty
Views: 21 Replies: 0 I know this was discussed a while ago on this forum but I did not take the plunge and try it until now. As I plan to expand the use of this strategy in the future depending upon the results feedback would be appreciated.

The idea is to take two matching ETF leveraged funds and short both of them in roughly equal dollar amounts.

At the risk of stating the obvious I will lay out my understanding and concerns regarding these investment vehicles and this strategy:

1. ETF leveraged funds are very risky in nature, messing with them can end up with a very bad outcome
2. Matching long and short ETF funds should serve to partially offset losses but in the short to mid term can result in significant losses if the underlying investment goes on a run (large change in value - up or down).
3. In the long run ETF leveraged funds are bad investment vehicles to hold in a long position as they will underperform the underlying investment due to frequent trading and resulting fees
4. Object is to avoid selling positions long enough to make a profit from their inevitable losses
5. The best way to ride out short to mid term losses on matched short positions is to limit the investment to a small percentage of overall portfolio.
6. Shorting the positions is cash flow positive and will not result in a margin balance but will increase the risk of a margin call by using up available margin on existing investments
7. On any short position the potential loss is unlimited
8. The less volatile the underlying commodity, the less chance of large losses

I think the most important thing here is to start small and limit the risk. If this works as anticipated I can always expand later. Also, by limiting the amount involved the risk of a margin call should be negligible.

With that being said I took the plunge and sold the following ETF positions:

DRV Real Estate Bear 3x Shares
URE Ultra Real Estate

EDC Emerging Markets Bull 3X Shares
EDZ Emerging Markets Bear 3x Shares

The total amount is roughly 4% of the long investments and 5% of the account NAV.

I could not short the 3X real estate long ETF (no shares available) so I took a 50% larger position in the short of URE.

Whether you have done this for yourself or not I would be interested in hearing feedback regarding this strategy, your experiences, and any advice you may have.

While I think this will work without taking the time and effort to rebalance I would like to hear feedback abouthow important or helpful it would be to do so (if at all).

Investing Deals
Converting traditional IRA contributions to Roth IRA in 2013
Added on : Thursday November 21st 2013 01:00:06 PM
g: 0 Posted By: satacard
Views: 86 Replies: 2 Dear FWF

This year I changed jobs and became eligible for, and enrolled in, a 401(k) at work. However, when I was in my past job I contributed $5.5k to a traditional IRA. If I understand correctly, I am no longer eligible to deduct this contribution. Therefore, my preference is to switch this contribution (and earnings since) to a Roth IRA.

The IRA is held at Vanguard. I asked them how to accomplish this and got a boilerplate answer. The form they sent for unwinding excess IRA contributions indicates I can't withdraw the funds from the traditional and have it deposited to a Roth, unless I do it next year. I have also toyed around online and it looks like I could sell part of the traditional IRA and buy into the Roth, however they would withhold taxes, etc.

I'm a bit confused at this situation, and could use some advice from FWF. I re characterized my Roth to traditional in 2012, and that was painless. Am I missing something?

Many thanks!
Investing Deals
Parents falling for investing scams (Iraqi dinar), what to do?
Added on : Wednesday November 20th 2013 07:00:10 PM
g: 0 Posted By: magika
Views: 111 Replies: 0 My parents recently began "investing" in the Iraqi dinar based on the (mythical) idea that it will revalue to some enormous amount (something like $3 for every dinar they purchase). I put quotes around investment because its a well known scam and has been for the past 10 years, there are companies that pump up this "investment" by promising it will revalue. Its never going to happen, or if it does the chance of it happening is similar to winning the lottery.

Now, normally, this wouldn't impact me and I wouldn't care - but my parents have always been very conservative with their money. That means they didn't do the smart thing like investing their money in the market early in life. Both are retired. They have enough to live in retirement without me helping them, but only just barely. I don't know the size of the "investment" but its at least $15k and might be more, which for them is a large amount of money (they live in a VERY low cost of living area). I will be the one supporting them if they keep doing this, so I have a vested interest in stopping it.

The problem, of course, is that no one wants to hear they've invested in a scam. They are convinced this is going to make them rich. I need to find some way to dissuade them from this brand of stupidity, but just presenting the facts has not worked. Any ideas?

Link for those not familiar with this scam: http://www.learningmarkets.com/the-iraqi-dinar-scam/
Personal Finance Deals
Can someone explain the need for bonds in a young persons portfolio?
Added on : Wednesday November 20th 2013 07:00:09 PM
g: 0 Posted By: bluechapstick
Views: 52 Replies: 1 I'd like to start by saying that I'm not one to rock the boat and I'm more looking for justification than changing the status quo. I'm a boglehead and love the simplicity of Vanguard, where all of my low 6 figure portfolio is. I also have my 401k that I put the maximum annual in even though the funds are lousy. I am 32 and live in the silicon valley, CA. I work at a science tech company and recently began taking finance classes at a local university because work pays for it and I love learning more about it. This topic has been bothering me for a while.

I have all my bonds in my 401k pimco total return, PTTRX, at the recommendation gained from my posts on Bogleheads. I know you hold bonds to ease the systematic risk in your portfolio and I am currently holding 25% of my total value. I was told that was kinda low for my age.

If you aren't supposed to time the market as the market always returns and you are supposed to stay put, why not hold 100% securities until somewhere around the age of 45? Being patient is a virtue and if the market is going to come back, why hold bonds at all until a specific age? That would give roughly 20 years more investing to even it out. I can understand shifting more conservative later on in life with bonds. It's lousy seeing my PTTRX even for the year when it could be in securities and if there was a loss you would just be patient and wait for it to come back as it always does.

I don't plan on changing my portfolio portions but I'm just trying to get a better understanding from people that have much more experience and can offer detailed explanations that I can't find by doing internet searches. Internet answers usually just give the generic answer of because it's teh right thing to do and it lowers some risk. I agree that bonds in a portfolio has been a standard forever, but I don't like following without fully understanding why. Thanks for the help.
Fat Walleters Views on Investing in Gold Coins and Bullions
Added on : Tuesday November 19th 2013 10:00:08 AM
g: -1 Posted By: ideal10
Views: 93 Replies: 2 Hi There,
As I deem this site is filled with financial savvy individuals I would like your take on investing in silver or gold coins and bullions.
I would like to know if you think these are good investments, if so which one (silver or gold). Also if you prefer coins over bullions or vice versa.

Thank you in advance for your inputs. It is greatly appreciated!

Investing Deals
Leveraged Investing - HELOC @ 3.25%, have questions
Added on : Tuesday November 19th 2013 09:00:09 AM
g: 0 Posted By: Muscle
Views: 134 Replies: 4 Hi,

I'm considering leveraging some of my equity for investing purposes. I have approximately 40k equity in my condo.

I found a HELOC with 3.25% interest and these terms:

No closing costs, prepayment penalties or minimum draw requirements
Deduct 100% interest from taxes

I'll be using this money to invest into a couple dividend focused mutual funds. I know, it's risky, etc etc. I have some questions, none of which are about risk:

1) Are the payments really tax deductible?
2) Are there any stipulations on what the money can be used for? I assume not, but a lot of places do ask what the purpose for the loan is, so just wondering. I've had a HELOC before briefly, but didn't really look into it (I had it for 3 months to avoid PMI so I could hit 80% LTV).
3) Are there any fixed rate loans out there? I'm looking at Bankrate and it doesn't disclose if it's fixed or variable. From what I know most loans are variable. If the max APR is too high, it's not worth it.
4) I'm going to be doing another AOR in January for 0% APR/BT. Should I do this before or after? Credit score is somewhere between 700-750.
Question Deals
g: -2 Posted By: remick
Views: 206 Replies: 0 Technical Analysis of Gaps: Identifying Profitable Gaps for Trading
http://www.amazon.com/dp/B0089EM3GI

Gaps have attracted the attention of market technicians from the earliest days of charting. Theyre not merely conspicuous: they represent price jumps that could signal profitable trading opportunities. Until now, however, "folklore" about gap trading has been common, and tested, research-based knowledge virtually nonexistent. In Technical Analysis of Gaps, renowned technical analysis researchers Julie Dahlquist and Richard Bauer change all that. Drawing on 60 years of comprehensive data, they demonstrate how to sort "strategic" gaps from trivial ones, and successfully trade on gaps identified as significant. Building on work that recently earned them the Market Technicians Associations 2011 Charles H. Dow Award for creativity and innovation in technical analysis, Dahlquist and Bauer offer specific gap-related trading tips for stocks, futures, and options. They consider a wide variety of market conditions, including gap size, volume and previous price movement, illuminating their findings with easy-to-understand diagrams. Coverage includes: understanding what gaps are and how they arise; recognizing windows on candlestick charts; identifying gaps with superior profit potential; combining gaps with other technical techniques for a more complete and effective analysis; and putting it all together with real trading strategies. For stock, commodity, and currency traders in the U.S. and worldwide, and for active individual investors seeking new ways to maximize returns.


Technical Analysis Trading Methods and Techniques (Collection)
)http://www.amazon.com/dp/B006MQD70Q

Three indispensable books reveal little-known technical and psychological techniques for outperforming the market and beating the traders youre up against!

Three remarkable books help you leverage powerful, little-known insights from technical analysis and behavioral economics to consistently outperform the market! In George Lindsay and the Art of Technical Analysis, Ed Carlson resurrects the nearly-forgotten technical analysis techniques created by the eccentric genius who called the beginning and end of historys greatest bull market, within days! Carlson reveals why George Lindsays techniques are especially valuable right now, demonstrates their power visually, simply, and intuitively and shows how to make the most of them without strong mathematical expertise. Next, Mastering Market Timing combines the powerful, long-proven technical analysis methods of Richard D. Wyckoff with the world-renowned analysis of Lowry Research -- sharing deep new price/volume insights you can use to uncover emerging trends faster, even if youre entirely new to technical analysis. Finally, in Trade the Trader, Quint Tatro focuses on the real zero-sum nature of trading, helping you understand the traders youre up against, anticipate their moves, outwit them and beat them!

From world-renowned investing and trading experts Ed Carlson, Richard A. Dickson, Tracy L. Knudsen, and Quint Tatro
Books Deals

Amazon Coupons
Working from Home / State Income Tax
Added on : Sunday November 17th 2013 09:00:06 AM
g: 0 Posted By: investingstuff1971
Views: 57 Replies: 2 Hi,

First of all, apologies in advance if this is an appropriate topic for a new thread. I recall that there used to be a stickied tax thread, but I don't see it now. In any event, here is the situation: I currently own two houses. My primary address and address of record for almost everything official is in a suburb of Phoenix, AZ and my second home is near Yuma, AZ, which for the geographically challenged is right on the Arizona side of the Arizona / California border. I work from home for a very large software company with offices all around the country. I am assigned to the office in Phoenix, though I have only actually gone into the office three times in six years. Thanks to Ooma, I am able to work transparently from either home. As time goes by and for various reasons, I've started spending more and more time at the second house. So much so that it's really hard to justify the expenses related to maintaining both residences and I'd really like to sell the first and just make the house near Yuma my official and only residence. The rub though is that if I change my address with my company, I would assume that they will reassign me from the Phoenix office to the San Diego, CA office which is much closer to the home in Yuma. My question then is whether there is any chance that this will put me on the hook for California state tax? I've spent about an hour googling around and I seem to get conflicting information. And most of what I did find applies to the case where I would actually be commuting daily to the California office to work. I'm really keen to make this change, but don't want to screw myself. Does anybody know if I have anything to worry about?

Thanks and apologies for the rambling post.
Personal Finance Deals
WSJ hacked?
Added on : Wednesday November 13th 2013 07:00:09 PM
g: 0 Posted By: gd78
Views: 84 Replies: 0 I've been getting penny stock spam at an email address that I gave the WSJ for their $50 Amazon GC promo.
This was a unique address that I only gave the WSJ (e.g. myname+WSJ@gmail.com), so it couldn't have come from anyone else.

Anyone else who signed up for the WSJ (with promo or otherwise) experience this?
Investing Deals
***DEAD *** FREE Kindle Book - Born to Win: Find Your Success Code was $9.99
Added on : Wednesday November 13th 2013 12:00:07 PM
g: 5 Posted By: archena
Views: 4057 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Born to Win: Find Your Success Code [Kindle Edition] was $9.99

Zig Ziglar (Author)

http://www.amazon.com/dp/B006ZG5THW

Publication Date: January 18, 2012

Publisher: AudioInk

33 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Motivational

Zig Ziglars Born to Win: Find Your Success Code, compresses four decades of life-changing tools and practices into one inspiring, easy-to-use format for people who want to grow and improve the whole spectrum of their lives now!

Zig has always taught that You were born to win, but to be the winner you were born to be you must plan to win and prepare to win. Then and only then can you legitimately expect to win. Born to Win guides readers through this plan-prepare-expect strategy. You will learn that when you have the hope that things can change, and a plan to make that change possible, you can take action.

In this interactive eBook, at a click of an icon you can instantly hear guest celebrity stories from Dave Ramsey, Seth Godin and many more. Youll be amazed at who attributes their success to Zigs teachings!

Zig Ziglars whole-person, balanced-living approach to life has inspired millions to enjoy good health, a new depth of love and gratitude for family and friends, financial security and independence, and spiritual peace of mind. His instruction on how to live a life that leaves no room for regret or worry is the starting point for a joyful, exciting, vibrant life. It is true that when you have prepared yourself to be the right kind of person, you can do what you need to do to expect success. When you truly understand that you were born to win, you can change the world!

"Its going to be the most fun and exciting trip youll ever take. Its filled with more promise of reward than King Solomons mines. In short, this journey to the top, which you are going to be taking, is a tremendously exciting trip." Zig Ziglar

About the Author

Author Bio:

ZIG ZIGLAR, world-renowned author and speaker, has an appeal that transcends barriers of age, culture, and occupation. Since 1970 he has traveled over five million miles across the world delivering powerful life-improvement messages, cultivating the energy of change. Mr. Ziglar has written twenty-nine celebrated books on personal growth, leadership, sales, faith, family, and success, ten of which have been on the bestseller lists. His books and tapes have been translated into over thirty-eight languages and dialects.

TOM ZIGLAR, CEO of Ziglar, Inc., not only shares a last name with his father, Zig Ziglar, he also carries on his philosophy: ''You can have everything in life you want if you will just help enough other people get what they want.'' Prior to being named CEO, Tom began his career in retail and direct sales. He joined the Zig Ziglar Corporation in 1987, learning every aspect of the business as he climbed from working in the warehouse to sales, seminar promotion, sales management, and then on to leadership. He is boldly taking Ziglar, Inc., into the world of social communities, Twitter, blogs, and live video webcasts to present the tried-and-true message of hope, integrity, and positive thinking to a whole new audience.

Reader Bio:

ANDY ANDREWS, hailed by the New York Times as a ''modern-day Will Rogers who has quietly become one of the most influential people in America,'' is an internationally known speaker and novelist whose combined works have sold millions of copies worldwide. He has been received at the White House and has spoken at the request of four different presidents. His second PBS special, Andy Andrews: The Traveler's Gift, has aired nationally to rave reviews.
Totally Free Deals
g: 0 Posted By: remick
Views: 206 Replies: 0 11-12-2013 ENERGY Stocks Buy-Sell-Hold Ratings
http://www.amazon.com/11-12-2013-ENERGY-Stocks-Buy-Sell-Hold-Ratings-ebook/dp/B00GMD6N3W

11-12-2013 TECH Stocks Buy-Sell-Hold Ratings
http://www.amazon.com/11-12-2013-Stocks-Buy-Sell-Hold-Ratings-iPhone-ebook/dp/B00GMD69HC

Also:

Best Trading Strategies: Master Trading the Futures, Stocks, ETFs, Forex and Option Markets [Kindle Edition With Audio/Video] (Traders World Online Expo Books)
http://www.amazon.com/Best-Trading-Strategies-Futures-Markets-ebook/dp/B00GG94F78

INVESTING FOR THE REST OF US - How To Invest In Stocks Using Index Funds: Passive Investing Strategies Everyone Can Use
http://www.amazon.com/INVESTING-REST-US-Investing-Strategies-ebo...
Books Deals

Amazon Coupons
Mosaic Solar Investments
Added on : Monday November 11th 2013 08:00:10 PM
g: 0 Posted By: Argyll
Views: 71 Replies: 2 https://joinmosaic.com/

A very interesting method of financing and investing for solar projects. For small amounts of money one can earn 4-8% interest (avg seems to be around 4.5% after 1% "platform fee." You can invest as little as $25 in a solar project of your choosing. Every month you will receive monthly payments in your account from your investments. Each payment returns part of your principal investment plus the interest you earned that month. Average term is ten years, at the end of which time you will have received all of your principle back along with the interest.

Easy enrollment seems to be only for investors from California, Oregon, New York, Colorado, and Nevada. Anyone from those states can invest.

Investors from other states have to be accredited (net worth of $1 million, or $200K salary for last two years, or with a finance related degree and having worked in a finance related job for 12 months). This has something to do with how they registered with the SEC.

I'd like to invest, but I'm not in one of the five states not needing accreditation, and I don't qualify as an accredited investor.
Deal Deals
Is buying a put justified?
Added on : Monday November 11th 2013 08:00:08 AM
g: 0 Posted By: needdealsnow
Views: 72 Replies: 0 A newbie at options trading here. Here is asituation:
Situation Got some shares at a low price due to a company action in the middle of the year. Current profit before tax is nearly 20k. Profit after short term taxes is 11K (45% marginal tax rate). If the stock is sold in the middle of next year, long term capital gains rates will kick in. Tax liability will reduce to 15%. Net profit after tax will be 17K

Problem: Stock is at a multi-year high. 10% movement in a week is not uncommon. But it is trending up and is closely correlated to S&P. So if S&P goes down, it will go down. How to handle the risk of losing 20K to save 6k?

Strategy: buy puts at the current price as strike expiring in the middle of next year. Current cost of buying the puts is about $3500

Results: if stock goes below the current price - put is exercised. Profit before tax is 16.5K (20k minus cost of the put). Profit after tax is 14k. If the stock goes up, the put expires worthless. Net profit after tax is equal to profit*0.85 minus cost of put. This could be a lot more than 14K

Question: Would you spend 3.5K to buy puts in this situation?
Investing Deals
g: 4 Posted By: archena
Views: 2366 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage [Kindle Edition] was $9.99

Chris LaVictoire Mahai (Author)

http://www.amazon.com/dp/B007KO61TI

Publication Date: March 14, 2012

Publisher: Out of the Ordinary Media

6 Reviews ★★★★★

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations

#9 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Management


How can an elephants predictability inform a multinational company?
What can a cheetah teach a business about speed?

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage uses the animal kingdom as a metaphor for increasing results, and features interviews with executives at U.S. Bank, Red Mango, Hitachi Global Storage Technologies, the San Diego Zoo and others to explore what drives peak performance against the customer problem an organization has chosen to solve.

With this clever, thought-provoking business book by Chris LaVictoire Mahai, co-owner and managing partner at global strategy and operational change firm Aveus, the path to peak performance is as clear and impressive as an African night sky.

About the Author
Chris LaVictoire Mahai is co-owner and managing partner at St. Paul-based global strategy and operational change firm Aveus. Her career includes more than 25 years of experience in leading, developing, and implementing business and marketplace strategies. Through Aveus, Mahai has worked with over 100 organizations from large global enterprises to family-owned businesses and startups, non-profits and other service organizations. She has served on the board of several businesses and non-profit organizations, and is an active investor in women-owned and led businesses.
During her corporate career, Mahai held several executive roles at Cowles Media/Star Tribune. She also spent nearly fifteen years in the financial services industry, including several executive positions at First Bank (now US Bank).
Totally Free Deals
g: 11 Posted By: archena
Views: 3860 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Conquer the Entrepreneur's Kryptonite [Kindle Edition] was $9.99

James Woosley (Author)

http://www.amazon.com/dp/B00DSXA41Q

Publication Date: June 13, 2013

8 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Systems & Planning

This is a book for people with ideas.

Do you make plans that never get implemented? Are they overly complicated and fail because you simply can't stop planning until its perfect? Or do you refuse to plan because you care only about getting things done, but end up failing and causing chaos for those closest to you (spouse, partners, teammates, etc.)? Do you end up reworking projects instead of accomplishing your goals?

Let's find the happy middle groundthe sweet spot that combines planning and action! It's sure to be more than scribbles on a napkin, but far less than an overstuffed binder.

What is it that you want to achieve? Whatever it is, its not going to be easy. Not if its something BIG worth doing right.

But it can be made easier, and in doing so, make it look like it was easy to anyone who didnt see the blood and sweat you poured into your idea.

Lets get to work!

About the Author
James Woosley is an underachieveronly because hes constantly expanding his potential by doing something amazing, then immediately striving for moreknowing that his mind, body, and spirit have been stretched to a new level of possibilities.
As a business Coach, consultant, and project manager, James helps people and organizations move ideas from the dreaming and planning stages to full implementation. He sets goals, plans strategically, and makes things happenfor himself and those around him.

Learn more at http://www.WoosleyCoaching.com.
Books & Magazines Deals
Basic Finance/Budgeting Help Needed
Added on : Saturday November 09th 2013 10:00:08 AM
g: 0 Posted By: pteach
Views: 32 Replies: 0 Hi,
I just graduated and got a job with a technology consulting company in atlanta georgia. I have no idea how finance/tax works. I've pretty much had my taxes done by a family friend for the past few years and have not invested any money in stocks or ira or anything.
I want to get some advice on how to properly position my finances. (How much to save for taxes, rainy day, stocks/investing)

Background:
No student loans (worked during college)
Paid off my car (high yearly maintenance due to it being 10+ years old and 200,000+ miles)
Single
Salary: $57,000
age; 25
Will be renting an apartment (See myself in the job for atleast 5 years at the same salary)


Expenses:
Personal/Food/Living/Car Maintenance: $20,000 - $22,000


Question:
I'm just an average joe with an average risk appetite in regards to the stock market investing. (I've followed the market for a little bit but never invested)

Any advice is greatly appreciated.

Thank You

Personal Finance Deals
Why did stocks start shooting up so high since the mid 90's?
Added on : Friday November 08th 2013 04:00:11 PM
g: 0 Posted By: mxmaniac
Views: 1 Replies: 0 I'm relatively young and pretty new to investing, I've read a lot, but there is something I don't understand.

So the stock market has been around for aver 100 years, why is it that when I look at the charts of old, and well established companies who have been around for a long time, how come they all seemed to massively shoot up in the mid 90's?

For example, look at johnson and johnson (jnj), and procter and gamble (pg). I'm looking at charts dating back to 1970, and they both pretty much had very small gains up to about 1990, when things suddenly started to change. Since 1990, both suddenly shot up over 900%. The S&P is similar, looking at a chart going back to 1960, it only made pretty minor gains through 1985, and then suddenly started rocketing up. I'm sure inflation can't be that high. And almost all long term companies I've seen exhibit this sort of very slow gain, then rocketing up.

So how and why did this happen? How did old time investors get rich before the dates when stocks started going up so fast? Are more 1990 era investors millionaires than anyone else? Think this massively exponential growth can continue? Just trying to understand why its like that, rather than a more linear growth over the whole history of the stock market.
g: -2 Posted By: mxmaniac
Views: 142 Replies: 5 Just looking for some opinions. We know there are a lot of very corrupt people in power, who are able to use their money and power to influence and change many things in their favor, and halt things against there favor. They have to have their money invested somewhere. So do you think there are stocks out there that will always have great gains, and never fail because those in power will absolutely control them?

Or perhaps stocks rooted too deeply in the government that will never fail or loose major value, because if they were struggling, the government would simply print more money, or else provide a bailout.

I'm sort of torn on this subject, as I find this sort of corruption unethical, and supporting it would be an atrocity. However on the other hand, since it does exist, and there is no stopping it, perhaps piggy backing off of it is the only way to avoid being run over by it.


Investing Deals
Startup and Real Estate Crowdfunding Sites
Added on : Friday November 08th 2013 07:00:15 AM
g: 0 Posted By: Kanosh
Views: 85 Replies: 0 Being an occasional investor on Lendingclub and Prosper, I've followed the proliferation of crowdfunding sites with interest. In many ways these sites are the big brother to Lending club. Many are for accredited investors only (they'll take your word that you meet the qualifications for accreditation, no one verifies this). They enable you to invest in small companies already running, in need of expansion capital. I've held off from investing in these (with one exception, see below) because I don't feel I have enough knowledge to tell what is a reasonable startup valuation and I'm not too familiar with all the legal documents one must review before investing. Does anyone here have experience investing in startups using one of these platforms, or otherwise?

CircleUpspecializes in brick and mortar food, beverage, and natural product companies. Most of the companies have some environmental or "all natural" angle. Most of the companies are currently selling products which can be found at Whole Foods, Starbucks, or other places. Mostly equity financing, but sometimes offer note as well. You can ask the founders questions through the site. Investments usually begin at $5000 or $10,000.

Fundriseis a platform for investing in urban real estate projects. Due to the founders taking doing extensive research in the law, they have offered certain investments to anyone, for as low as $100. (These investments are for residents of Washington DC or Virginia only, see articles here for how this works or here for a more cautionary look from the Washington Post). In several cases, they use the "crowdfunded by small local investors" angle to convince local governments to rezone an area or to redevelop a previously government-owned property. This is a pretty cool end run around the NIMBY mentality and a lets people have a stake in a specific property in their neighborhood.

Ibankers is a site for accredited investors to directly fund various companies. I haven't investigated it much, but it seems similar to CircleUp although with the the environmental angle.

I put a small amount into Fundrise. I'm aware of the fees and risk; frankly, I like the concept and like investing in a specific property I'm personally familiar with, rather than, say, a REIT with many properties and high administrative costs. Anyone else tried their hand at crowdfunding?
General Economics Deals
g: 9 Posted By: archena
Views: 1007 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Financial Bondage: How to Quit Getting Screwed on the Ugly Side of Capitalism and Enjoy Real Freedom [Kindle Edition] was $9.99

Anonymous Debtors (Author)

http://www.amazon.com/dp/B00FG9B9DW

Publication Date: June 5, 2012

Publisher: Street Smart Publishing

2 Reviews ★★★★★

#9 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management

Youll be shocked to know whos actually in Financial Bondage and who wants to keep people there as well as the tricks, techniques, and strategies used to capture millions of Americans.

What if you could break free? What if someone told you how the game really worked?

It is a common belief that just the foolish end up in Financial Bondage, but thats a myth. The part that may surprise you is that the vast majority of Americans are involved whether they are poor or wealthy. You might also be shocked to know your bank account or lack of it is not the only determining factor of Financial Bondage.

Youll learn symptoms of Financial Bondage and the four ways people can end up there. In Accidental Teachings, well look at why we learn so many false beliefs about money and perpetuate them as the truth. In The Truth, well talk about the real teachings regarding money. Fighting Back presents some clear strategies for those who want to free themselves from debt, including $214,000 of actual debt settlement for an average of 19%. Escaping is all about changing your financial mentality for good. And finally, Real Freedom, will leave you with a good understanding of what that is and will inspire you to get there as soon as you can so you enjoy your life even more.

You dont have to suffer in Financial Bondage anymore. No matter how bad your Financial Bondage is, it is possible to break free. You can feel an enormous release of stress and a new peace in your life.
Totally Free Deals
Up to date information
Added on : Thursday November 07th 2013 06:00:05 PM
g: 0 Posted By: adamhaug
Views: 103 Replies: 1 What is the best way to get up to date information about a stock? I use the news&info section at yahoo finance, but they only post a couple of links per day. Anyway to get more recent news about a stock?
Investing Deals
g: 0 Posted By: archena
Views: 86 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Financial Bondage: How to Quit Getting Screwed on the Ugly Side of Capitalism and Enjoy Real Freedom [Kindle Edition] was $9.99

Anonymous Debtors (Author)

http://www.amazon.com/dp/B00FG9B9DW

Publication Date: June 5, 2012

Publisher: Street Smart Publishing

2 Reviews ★★★★★

#9 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management

Youll be shocked to know whos actually in Financial Bondage and who wants to keep people there as well as the tricks, techniques, and strategies used to capture millions of Americans.

What if you could break free? What if someone told you how the game really worked?

It is a common belief that just the foolish end up in Financial Bondage, but thats a myth. The part that may surprise you is that the vast majority of Americans are involved whether they are poor or wealthy. You might also be shocked to know your bank account or lack of it is not the only determining factor of Financial Bondage.

Youll learn symptoms of Financial Bondage and the four ways people can end up there. In Accidental Teachings, well look at why we learn so many false beliefs about money and perpetuate them as the truth. In The Truth, well talk about the real teachings regarding money. Fighting Back presents some clear strategies for those who want to free themselves from debt, including $214,000 of actual debt settlement for an average of 19%. Escaping is all about changing your financial mentality for good. And finally, Real Freedom, will leave you with a good understanding of what that is and will inspire you to get there as soon as you can so you enjoy your life even more.

You dont have to suffer in Financial Bondage anymore. No matter how bad your Financial Bondage is, it is possible to break free. You can feel an enormous release of stress and a new peace in your life.
Totally Free Deals
Investment Potential Covenant Churches
Added on : Wednesday November 06th 2013 01:00:07 PM
g: 0 Posted By: norcuron
Views: 0 Replies: 0 This site may be worth looking at http://www.covchurch.org/ncp/investments/I found out my inlaws have been investing there for many years and never had any issues.
*** DEAD *** FREE Kindle Book - Take Back Your Money was $9.99
Added on : Wednesday November 06th 2013 05:00:18 AM
g: 10 Posted By: archena
Views: 1364 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Take Back Your Money: A Survival Guide For The Next Recession, The One After That, and The One After That [Kindle Edition] was $9.99

John E. Girouard (Author)

http://www.amazon.com/dp/B00FW89LRS

Publication Date: October 13, 2013

Publisher: Platform Press

4 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > Accounting > Taxes > Personal Taxes

Forbes.com contributor and veteran financial adviser John E. Girouard asks: "It's your money, but who controls it?" If youre like most Americans, he says, the answer is everyone but you. It wasnt always so. Until the 1970s, people who were planning for their golden years said they were saving for retirement, not investing for it. Theres a big difference and the Great Recession punished millions for forgetting that a bird in the handsavingis always worth more than two in the bushinvesting. So what do we do now? How can we get back control of our money? How can we avoid the same trap next time, since history teaches us there will always be another next time?
Drawing on three decades as an investment adviser, Girouard challenges every popular assumption about saving and preserving money, because most are flawed. He explains in plain English how Wall Street persuaded millions to gamble on the future while failing to expect the unexpected, and how to avoid being caught in the same trap next time, because there will always be a next time.
There will always be crashes, panics, disasters, meltdowns, and so on, yet we speak of them as anomalies. No matter how sophisticated the worlds financial markets become, and no matter how many regulations government imposes, there will always be a financial crisis in our future. Most lives are marked by a series of financial challenges and crisesbuying or selling a home, college tuition, supporting relatives in need, legal expenses, medical bills, unemployment, death, and so on.
Yet few people plan their financial lives to be ready for crisis. Instead, they plan for success, often based on somebody elses estimate of future returns. When things fail to pan out, as they so often do, theyre left wondering, What do I do now? Girouard's answer, with specifics, is to take back your money from the institutions that gambled with it and put it in investment vehicles that you control in institutions that are depositor owned.
Totally Free Deals
FREE Kindle Book - Conquer the Entrepreneur's Kryptonite was $9.99
Added on : Tuesday November 05th 2013 04:00:07 PM
g: 0 Posted By: archena
Views: 31 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Conquer the Entrepreneur's Kryptonite [Kindle Edition] was $9.99

James Woosley (Author)

http://www.amazon.com/dp/B00DSXA41Q

Publication Date: June 13, 2013

8 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Systems & Planning

This is a book for people with ideas.

Do you make plans that never get implemented? Are they overly complicated and fail because you simply can't stop planning until its perfect? Or do you refuse to plan because you care only about getting things done, but end up failing and causing chaos for those closest to you (spouse, partners, teammates, etc.)? Do you end up reworking projects instead of accomplishing your goals?

Let's find the happy middle groundthe sweet spot that combines planning and action! It's sure to be more than scribbles on a napkin, but far less than an overstuffed binder.

What is it that you want to achieve? Whatever it is, its not going to be easy. Not if its something BIG worth doing right.

But it can be made easier, and in doing so, make it look like it was easy to anyone who didnt see the blood and sweat you poured into your idea.

Lets get to work!

About the Author
James Woosley is an underachieveronly because hes constantly expanding his potential by doing something amazing, then immediately striving for moreknowing that his mind, body, and spirit have been stretched to a new level of possibilities.
As a business Coach, consultant, and project manager, James helps people and organizations move ideas from the dreaming and planning stages to full implementation. He sets goals, plans strategically, and makes things happenfor himself and those around him.

Learn more at http://www.WoosleyCoaching.com.
Books & Magazines Deals
*** DEAD*** FREE Kindle Book - OPEN was $9.99
Added on : Tuesday November 05th 2013 11:00:06 AM
g: 4 Posted By: archena
Views: 2248 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

OPEN [Kindle Edition] was $9.99

David Price (Author)

http://www.amazon.com/dp/B00FLYFS98

Publication Date: October 2, 2013

Publisher: Crux Publishing

16 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership

#1 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Organizations & Institutions

"OPEN is a revelation. With an engaging wit and a clear mind Dave Price casts a penetrating light on how the new dynamics of digital culture are transforming not only how we work and play but how we think, feel and learn. He writes with a sharp sense of social history and theory. But he argues too from deep practical experience as an artist, parent and noted leader in educational change. From every perspective 'Open' will open your mind to some of the real implications of digital technologies for how we live and learn in the 21st century."
Sir Ken Robinson, world-leading expert on education and creativity

"There are lots of books about learning, but there are hardly any that manage to put the coming education revolution in a context that makes sense both emotionally and economically. OPEN is a tour de force that is by turns inspiring, shocking, highly entertaining, but above all practical. David Price combines the rare skill of understanding an institution without being institutionalised - a maverick thinker who can, through force of reason and humour coupled with long experience, make the job of re-booting education a fun one. He's just the kind of revolutionary the new world needs - one whose influence comes from putting the power to change things directly into your hands."
Mark Stevenson, author of An Optimists Tour of the Future

"David has constructed a powerful argument for Open Education initiatives and disciplines, not just within Academia, but also within Enterprise. His insights and observations make this a must read book for decision makers and senior managers in understanding what is possible within their own institutions, and what is essential in supporting vocationally focused education and life long learning."
Alan S. Greenberg, Education Technologies Consultant & ex Apple Education EMEA/Asia

SYNOPSIS
What makes a global corporation give away its prized intellectual property? Why are Ivy League universities allowing anyone to take their courses for free? What drives a farmer in rural Africa to share his secrets with his competitors?

A collection of hactivists, hobbyists, forum-users and maverick leaders are leading a quiet but unstoppable revolution. They are sharing everything they know, and turning knowledge into action in ways that were unimaginable even a decade ago. Driven by technology, and shaped by common values, going open has transformed the way we live. Its not so much a question of if our workplaces, schools and colleges go open, but when.

Packed with illustration and advice, this entertaining read by learning futurist, David Price, argues that open is not only affecting how we are choosing to live, but that its going to be the difference between success and failure in the future.
Totally Free Deals
FREE Kindle Book - ROAR: Strengthening business performance .. was $9.99
Added on : Tuesday November 05th 2013 07:00:15 AM
g: 0 Posted By: archena
Views: 48 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage [Kindle Edition] was $9.99

Chris LaVictoire Mahai (Author)

http://www.amazon.com/dp/B007KO61TI

Publication Date: March 14, 2012

Publisher: Out of the Ordinary Media

6 Reviews ★★★★★

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations

#9 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Management


How can an elephants predictability inform a multinational company?
What can a cheetah teach a business about speed?

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage uses the animal kingdom as a metaphor for increasing results, and features interviews with executives at U.S. Bank, Red Mango, Hitachi Global Storage Technologies, the San Diego Zoo and others to explore what drives peak performance against the customer problem an organization has chosen to solve.

With this clever, thought-provoking business book by Chris LaVictoire Mahai, co-owner and managing partner at global strategy and operational change firm Aveus, the path to peak performance is as clear and impressive as an African night sky.

About the Author
Chris LaVictoire Mahai is co-owner and managing partner at St. Paul-based global strategy and operational change firm Aveus. Her career includes more than 25 years of experience in leading, developing, and implementing business and marketplace strategies. Through Aveus, Mahai has worked with over 100 organizations from large global enterprises to family-owned businesses and startups, non-profits and other service organizations. She has served on the board of several businesses and non-profit organizations, and is an active investor in women-owned and led businesses.
During her corporate career, Mahai held several executive roles at Cowles Media/Star Tribune. She also spent nearly fifteen years in the financial services industry, including several executive positions at First Bank (now US Bank).
FREE Kindle Book - Take Back Your Money was $9.99
Added on : Tuesday November 05th 2013 07:00:14 AM
g: 0 Posted By: archena
Views: 58 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Take Back Your Money: A Survival Guide For The Next Recession, The One After That, and The One After That [Kindle Edition] was $9.99

John E. Girouard (Author)

http://www.amazon.com/dp/B00FW89LRS

Publication Date: October 13, 2013

Publisher: Platform Press

4 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > Accounting > Taxes > Personal Taxes

Forbes.com contributor and veteran financial adviser John E. Girouard asks: "It's your money, but who controls it?" If youre like most Americans, he says, the answer is everyone but you. It wasnt always so. Until the 1970s, people who were planning for their golden years said they were saving for retirement, not investing for it. Theres a big difference and the Great Recession punished millions for forgetting that a bird in the handsavingis always worth more than two in the bushinvesting. So what do we do now? How can we get back control of our money? How can we avoid the same trap next time, since history teaches us there will always be another next time?
Drawing on three decades as an investment adviser, Girouard challenges every popular assumption about saving and preserving money, because most are flawed. He explains in plain English how Wall Street persuaded millions to gamble on the future while failing to expect the unexpected, and how to avoid being caught in the same trap next time, because there will always be a next time.
There will always be crashes, panics, disasters, meltdowns, and so on, yet we speak of them as anomalies. No matter how sophisticated the worlds financial markets become, and no matter how many regulations government imposes, there will always be a financial crisis in our future. Most lives are marked by a series of financial challenges and crisesbuying or selling a home, college tuition, supporting relatives in need, legal expenses, medical bills, unemployment, death, and so on.
Yet few people plan their financial lives to be ready for crisis. Instead, they plan for success, often based on somebody elses estimate of future returns. When things fail to pan out, as they so often do, theyre left wondering, What do I do now? Girouard's answer, with specifics, is to take back your money from the institutions that gambled with it and put it in investment vehicles that you control in institutions that are depositor owned.
*** DEAD *** FREE Kindle Book - The Suitcase Entrepreneur was $8.99
Added on : Tuesday November 05th 2013 05:00:08 AM
g: 7 Posted By: archena
Views: 2672 Replies: 3 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Suitcase Entrepreneur [Kindle Edition] was $8.99

Natalie Sisson (Author)


http://www.amazon.com/dp/B00ED0JUE0

Publication Date: August 4, 2013

Publisher: Tonawhai Press

80 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship

Everybody has the right to build a business from anywhere and design a lifestyle they love.
Thats what this book will teach you to do.

If youve always thought that having the freedom to do what you want when you want was just a pipe dream, then think again. Right now there is more opportunity than ever to

Package and sell your knowledge and skills to earn enough to work and live anywhere
Build a profitable online business from just your laptop and smartphone
Use online tools, social media and outsourcing to increase to give you more time, money and freedom
Travel the world for less and experience the joys of minimalism
Live life on your own terms and create your ideal lifestyle.

This book will teach you the nuts and bolts of setting up an online business you love and give you the blueprint to create your ideal lifestyle and create freedom in business and adventure in life.

If youve always thought that running a profitable business from your laptop, and having the freedom to do what you want when you want was just a pipe dream, then think again.

After 8 years of working in the bureaucracy of the corporate world, Natalie Sisson quit her high-paying job to fly to Canada, start a blog and cofound a technology company. In just 18 whirlwind months she learned how to build an online platform from scratch, and then left to start her own business, which involved flying to Argentina to eat empanadas, play Ultimate Frisbee and launch her first digital product.

Strike forward to now and she runs a highly profitable business from her laptop, while living out of a suitcase, and making money teaching others how to build a business and lifestyle they love.

If youre just starting out, this book will show you how to package and sell your knowledge and skills, or those of others and build an online platform to earn enough to work and live anywhere.
If youre an entrepreneur, this book will show you how to establish your business online, reach a global audience and build a virtual team to give you more time, money and freedom.

This is a practical guide to learn what it takes to be a digital nomad and develop the freedom-based mindset to truly live life on your own terms.

If youre prepared to put in the work, hustle and commitment it takes, then there is no better time than now to choose your own adventure and make it a reality.

About the Author
Natalie Sisson is a global adventurer and digital nomad whose entire aim is to create freedom in business and adventure in life, for herself and thousands of others who believe that you should be able to create your ideal lifestyle on your own terms. Based out of her suitcase she runs her business from her laptop while traveling the world,teaching others how to build online businesses using social media, online tools and outsourcing.
Books & Magazines Deals
*** DEAD *** FREE Kindle Book - The Secret Watch was $9.99
Added on : Tuesday November 05th 2013 05:00:07 AM
g: 4 Posted By: archena
Views: 2228 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Secret Watch [Kindle Edition] was $9.99

Lisa Robbin Young (Author), Andrea Patten (Editor)

http://www.amazon.com/dp/B00AB7XF8G

Publication Date: November 21, 2012

Publisher: Ark Entertainment Media

6 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Business Life > Time Management

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Motivational

Tina, a graphic designer, is struggling to build her own business in the face of mounting financial pressure as her husband's work hours
have been cut. When a business conference doesn't go according to plan, Tina cashes in all her frequent flyer miles for a first-class upgrade for the return home.

On the flight, she begins a friendship with Regina King, an elderly business woman with a past. The older woman offers Tina a gift: an antique silver pocket watch. This watch has a secret: the inscription changes each day, sharing messages of inspiration, and challenging the owner to improve
their life.

Can Tina master the lessons of The Secret Watch and turn her business (and her life) around before time runs out?

The Secret Watch is the first-ever business parable written specifically for women entrepreneurs. Each inscription is based on the Five Key Areas of Success that Lisa Robbin Young coaches her clients on in The PEACE System priority management program for creative entrepreneurs.

About the Author
Lisa Robbin Young was a storyteller at an early age. An award-winning writer before she graduated middle school, Lisa is also an accomplished performer and musician. She is currently working on her third full-length album: a collection of inspirational jazz, soul & pop tunes.

Lisa's also faced the ups and downs of being an entrepreneur for nearly 20 years. Since building one of the first-ever e-commerce websites in the early 1990's, Lisa's business experience spans a diverse array of creative industries. She's also a Coach to authors, artists, and creative entrepreneurs, helping them to build a noble empire and live an inspired life. Her latest venture, an entertainment media company, is in development.
Books & Magazines Deals
TD Ameritrade Offer Up to $250 YMMV
Added on : Monday November 04th 2013 04:00:09 PM
g: 0 Posted By: noelandres
Views: 222 Replies: 0 I just received an email from TD Ameritrade. I don't know if this is a targeted offer to current clients, or if anyone can get it. Basically the gist of it is this.

Get $250 when you deposit $4,000+ per month for 12 straight months.
Get $200 when you deposit $3,000-$3,999 per month for 12 straight months.
Get $125 when you deposit $1,500-$2,999 per month for 12 straight months.
Get $50 when you deposit $500-$1,499 per month for 12 straight months.
Get $25 when you deposit $250-$499 per month for 12 straight months.

You can deposit the funds via ACH, Wire Transfer, Check, or transferring funds from another financial institution.Need to register for the offer and start first deposit by 11/29/2013.

Terms and Conditions:

*Offer valid for preselected clients who register online for the offer by 11/29/13 and make monthly recurring deposits to a (non-IRA) individual or joint account or an eligible account using the Amerivest service account. The last deposit must be made to the account by 10/31/14.Make recurring monthly deposits of $250-$499.99 and receive $25. Make recurring monthly deposits of $500-$1,499.99 and receive $50. Make recurring monthly deposits of $1,500-$2,999.99 and receive $125. Make recurring monthly deposits of $3,000-$3,999.99 and receive $200. Make recurring monthly deposits of $4,000 or more and receive $250. Program ends 10/31/14.Clients must make recurring monthly deposits to continue in program. One deposit of required minimum will not count toward cash award. Offers are not transferable and not valid for IRAs and other tax-exempt accounts, TDAmeritrade Institutional accounts, internal transfers, or with other offers. Limit one offer per promotion per account. Account must remain open with minimum required funding for 12months after initial funding or TDAmeritrade may charge the account for the cost of the cash awarded. TDAmeritrade reserves the right to restrict or revoke this offer at any time. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. (Offer Code:RECDEP14)

Cash awarded will be based on the total amount deposited via monthly recurring deposits during the promotional time frame. If deposit requirements have been met, please allow 1-2 weeks for the cash award to post to account. To unenroll in the program, please call 800-669-3900.

Taxes related to TDAmeritrade offers are your responsibility. Promotional items and cash received during the calendar year will be included on your consolidated Form1099.
Investing Deals
Advice for a 24 year old - what to pay off and how much to save?
Added on : Sunday November 03rd 2013 11:00:06 AM
g: 0 Posted By: ucb11
Views: 89 Replies: 0 Here's another "what should I do about my finance?" thread.
I'm looking to save enough to buy a condo/small house (hopefully in a year or two) and trying to position myself to get there, here's some info about me and what I'm currently doing. Any suggestions on savings/paying debt would be much appreciated!

Me:
- 24 years old
- Got a master's degree right after undergrad, work in banking/investments
- Moved back in with the parents
- Income of $40k base + approx $11k in commissions (not sure what raise/bonus will look like until next month, 401k matching and pension based on base salary only)
- Net take home pay is about $2,700/month (after insurance, 401k, ESPP)

Retirement:
- Contributing 8% toward Roth 401k, or $270/month, employer matches dollar for dollar up to 5%, but deposits to Trad 401k account (Current Value: $10k/ROTH, $10k/Trad)
- Employer also contributes 4% of base salary toward pension and earns 4.5% interest

Savings/Investing:
- 18% of paycheck toward savings or about $475/month (Current Value: $11k)
- Invest $100/monthly into mutual funds (Current Value: $4k), $50/month into ESPP

Expenses:
- $220/month - cell phone for 5 lines, contract ends soon will switch plans to get it down to $150/month
- $90/month - auto insurance
- $150/month - gas
- $55/month - parking
- $400/month - auto loan ($8,800 remaining, 2.41%)
- $350/month - federal student loans, on the extended repayment plan (I budgeted for paying on the standard plan but like the idea of having a lower monthly minimum payment and can use the "difference" toward paying down individual loans instead of having it all allocated evenly
LOAN ORIG LOAN AMT CURRENT PRIN BAL RATE MONTHLY PMT 1 12,000 13,360 6.80 95 2 12,000 12,810 6.80 90 3 8,500 8,380 6.80 58 4 8,500 8,380 6.80 58 5 3,969 3,900 6.80 28 6 2,454 2,400 6.00 17
Questions:

Student Loans: I know the smart thing to do would be pay down the student loans as quick as possible due to the higher rate. However, I was planning on using bonus/tax refund to pay down/off the auto loan in the next 6 months to free up cash flow. I would then use that extra cash flow and direct most/all of it toward paying down the student loans to knock them off one at a time. Otherwise I'd have about 22 months remaining on the auto loan. Is this a dumb idea?
Savings and Mutual Funds: more or less?
401k Contributions, should I switch to Trad or some combination of both? With employer matching, I end up getting roughly 50/50 into Roth/Traditional. I figure I'll switch to Trad later on as my income increases.

I could probably do much better about aggressively paying these loans off by cutting down my spending. I end up getting about $600-700 month into my "living and fun account" that is used for gas, food and pretty much what I want.Let me know if additional data points are needed.TYIA for any advice!
Personal Finance Deals
Does MBA make sense for me?
Added on : Sunday November 03rd 2013 12:00:03 AM
g: 1 Posted By: underleveraged
Views: 11 Replies: 0 I'm age 28/29 so I'm starting to reach the point of no return. Either I go now or I'll be too old to go full-time from admission point of view. I can possibly do a 3 year dragged out part-time program while working but I'm not living near a good MBA school within commutable distance at the moment.

I graduated from a regular state university (no brand value) and I want to continue working in the financial services industry. I was able to pay off all debt (including student loans) and that was an amazing feeling. I have no outgoing payments toward any debt. What worries me about going for an MBA is the $100K debt from the top programs.

If I didn't go for my MBA, I think I could live a comfortable life just making normal salary. Probably would be able to afford a house purchase as well with a decent salary. If I went for my MBA, I would try to make a transition into a finance career in Asia as that's something I've been interested in doing lately. I believe there are tremendous opportunities there for someone like me who is bilingual, educated in the US, have good work experience, etc. It wouldn't make sense to go overseas with just my state university degree as the employment sectors in Asia care about your educational pedigree.

In summary, I have two choices:
1. Stay in the US working, save the money, and possibly do a PT later in my life as I work. I probably would never go overseas at that point.
2. Go for the MBA at a good school and pursue an international career.

Do you think the MBA debt from a FT program will be worth the long-term career benefits for someone in my situation?


Investing Deals
Rollover Roth IRA into Variable Annuity
Added on : Saturday November 02nd 2013 11:00:04 PM
g: 0 Posted By: thesamba
Views: 2 Replies: 0 Hi FW,

First time posting here. I (currently age 36) have this Roth-IRA for 5 years and a financial adviser recommend to rollover Roth-IRA into a Variable Annuity. What I was told is that the features in Roth-IRA remains unchanged even when rollover into a VA.
The only difference is VA offers a minimum growth protection of 6%. The VA fee is 1.25% annually.
Is there a need to do this rollover or just better to leave my Roth-IRA..... hope to seek your opinion...

Thanks in advance!
Investing Deals
g: 4 Posted By: archena
Views: 266 Replies: 3 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Debt-Proof Your Christmas: Celebrating the Holidays without Breaking the Bank [Kindle Edition] was $12.99

Mary Hunt (Author)

http://www.amazon.com/dp/B008L0198S

Publication Date: September 1, 2012

Publisher: Revell

26 Reviews ★★★★.5

#1 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management

Christmas may be the most wonderful time of the year, but it's also one of the most stressful--and most expensive. Expectations run high and it's tempting to whip out the credit cards to create the perfect Christmas for your family, with lavish meals, new decorations, and the latest, greatest gadgets and fashions for everyone on your Christmas gift list. But you don't have to overspend or go into debt to have a fabulous holiday.

Financial expert Mary Hunt shows readers how. She helps readers assess their financial situation, commit to no new debt, and think creatively about their gift list. With Mary's guidance, readers will identify what has caused them to overspend in the past and approach this Christmas with a plan and a new attitude toward holiday spending. This just might be the best gift you can give yourself and your family. This book is an updated edition of Debt-Proof the Holidays.

About the Author
Mary Hunt is founder and publisher of Debt-Proof Living (formerly Cheapskate Monthly), which has 35,000 print subscribers and an average of 800,000 website hits per month. Her books have sold more than a million copies, she was the financial columnist for Woman's Day magazine, and her daily newspaper column is syndicated through United Features. The author of 7 Money Rules for Life, Hunt speaks widely on personal finance and has appeared on shows such as Good Morning America, Oprah, and Dr. Phil. She and her husband live in California.
Books Deals

Amazon Coupons
Free Kindle Book - The Physician's Money Manual (was $39.99)
Added on : Friday November 01st 2013 02:00:04 AM
g: 0 Posted By: remick
Views: 228 Replies: 0 http://www.amazon.com/The-Physicians-Money-Manual-ebook/dp/B00FWXDGA6

The Physician's Money Manual is one component of Daktori's Financial Fellowship Program. "The Manual" shares the secrets of the most successful practices. Learn how to structure practice and outside business interests for maximum efficiency and find out how to attract potential buyers and investors. Plus, discover strategies to reduce insurance costs, mitigate risks, and reduce taxes on active and passive income. Entire sections are devoted to practice planning, asset protection, risk management, insurance, investing and estate planning. Free Daktori newsletter subscription (register at www.daktori.com/contact) and complimentary consultation with one of the authors also included with purchase of e-book.
Books Deals

Amazon Coupons
FREE Kindle Book - The Secret Watch was $9.99
Added on : Thursday October 31st 2013 06:00:06 PM
g: 0 Posted By: archena
Views: 149 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Secret Watch [Kindle Edition] was $9.99

Lisa Robbin Young (Author), Andrea Patten (Editor)

http://www.amazon.com/dp/B00AB7XF8G

Publication Date: November 21, 2012

Publisher: Ark Entertainment Media

6 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Business Life > Time Management

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Motivational

Tina, a graphic designer, is struggling to build her own business in the face of mounting financial pressure as her husband's work hours
have been cut. When a business conference doesn't go according to plan, Tina cashes in all her frequent flyer miles for a first-class upgrade for the return home.

On the flight, she begins a friendship with Regina King, an elderly business woman with a past. The older woman offers Tina a gift: an antique silver pocket watch. This watch has a secret: the inscription changes each day, sharing messages of inspiration, and challenging the owner to improve
their life.

Can Tina master the lessons of The Secret Watch and turn her business (and her life) around before time runs out?

The Secret Watch is the first-ever business parable written specifically for women entrepreneurs. Each inscription is based on the Five Key Areas of Success that Lisa Robbin Young coaches her clients on in The PEACE System priority management program for creative entrepreneurs.

About the Author
Lisa Robbin Young was a storyteller at an early age. An award-winning writer before she graduated middle school, Lisa is also an accomplished performer and musician. She is currently working on her third full-length album: a collection of inspirational jazz, soul & pop tunes.

Lisa's also faced the ups and downs of being an entrepreneur for nearly 20 years. Since building one of the first-ever e-commerce websites in the early 1990's, Lisa's business experience spans a diverse array of creative industries. She's also a Coach to authors, artists, and creative entrepreneurs, helping them to build a noble empire and live an inspired life. Her latest venture, an entertainment media company, is in development.
Books & Magazines Deals
FREE Kindle Book - The Suitcase Entrepreneur was $8.99
Added on : Thursday October 31st 2013 02:00:09 PM
g: 1 Posted By: archena
Views: 61 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Suitcase Entrepreneur [Kindle Edition] was $8.99

Natalie Sisson (Author)


http://www.amazon.com/dp/B00ED0JUE0

Publication Date: August 4, 2013

Publisher: Tonawhai Press

80 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship

Everybody has the right to build a business from anywhere and design a lifestyle they love.
Thats what this book will teach you to do.

If youve always thought that having the freedom to do what you want when you want was just a pipe dream, then think again. Right now there is more opportunity than ever to

Package and sell your knowledge and skills to earn enough to work and live anywhere
Build a profitable online business from just your laptop and smartphone
Use online tools, social media and outsourcing to increase to give you more time, money and freedom
Travel the world for less and experience the joys of minimalism
Live life on your own terms and create your ideal lifestyle.

This book will teach you the nuts and bolts of setting up an online business you love and give you the blueprint to create your ideal lifestyle and create freedom in business and adventure in life.

If youve always thought that running a profitable business from your laptop, and having the freedom to do what you want when you want was just a pipe dream, then think again.

After 8 years of working in the bureaucracy of the corporate world, Natalie Sisson quit her high-paying job to fly to Canada, start a blog and cofound a technology company. In just 18 whirlwind months she learned how to build an online platform from scratch, and then left to start her own business, which involved flying to Argentina to eat empanadas, play Ultimate Frisbee and launch her first digital product.

Strike forward to now and she runs a highly profitable business from her laptop, while living out of a suitcase, and making money teaching others how to build a business and lifestyle they love.

If youre just starting out, this book will show you how to package and sell your knowledge and skills, or those of others and build an online platform to earn enough to work and live anywhere.
If youre an entrepreneur, this book will show you how to establish your business online, reach a global audience and build a virtual team to give you more time, money and freedom.

This is a practical guide to learn what it takes to be a digital nomad and develop the freedom-based mindset to truly live life on your own terms.

If youre prepared to put in the work, hustle and commitment it takes, then there is no better time than now to choose your own adventure and make it a reality.

About the Author
Natalie Sisson is a global adventurer and digital nomad whose entire aim is to create freedom in business and adventure in life, for herself and thousands of others who believe that you should be able to create your ideal lifestyle on your own terms. Based out of her suitcase she runs her business from her laptop while traveling the world, teaching others how to build online businesses using social media, online tools and outsourcing.
FREE Kindle Book - OPEN was $9.99
Added on : Thursday October 31st 2013 01:00:06 AM
g: 0 Posted By: archena
Views: 58 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

OPEN [Kindle Edition] was $9.99

David Price (Author)

http://www.amazon.com/dp/B00FLYFS98

Publication Date: October 2, 2013

Publisher: Crux Publishing

16 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership

#1 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Organizations & Institutions

"OPEN is a revelation. With an engaging wit and a clear mind Dave Price casts a penetrating light on how the new dynamics of digital culture are transforming not only how we work and play but how we think, feel and learn. He writes with a sharp sense of social history and theory. But he argues too from deep practical experience as an artist, parent and noted leader in educational change. From every perspective 'Open' will open your mind to some of the real implications of digital technologies for how we live and learn in the 21st century."
Sir Ken Robinson, world-leading expert on education and creativity

"There are lots of books about learning, but there are hardly any that manage to put the coming education revolution in a context that makes sense both emotionally and economically. OPEN is a tour de force that is by turns inspiring, shocking, highly entertaining, but above all practical. David Price combines the rare skill of understanding an institution without being institutionalised - a maverick thinker who can, through force of reason and humour coupled with long experience, make the job of re-booting education a fun one. He's just the kind of revolutionary the new world needs - one whose influence comes from putting the power to change things directly into your hands."
Mark Stevenson, author of An Optimists Tour of the Future

"David has constructed a powerful argument for Open Education initiatives and disciplines, not just within Academia, but also within Enterprise. His insights and observations make this a must read book for decision makers and senior managers in understanding what is possible within their own institutions, and what is essential in supporting vocationally focused education and life long learning."
Alan S. Greenberg, Education Technologies Consultant & ex Apple Education EMEA/Asia

SYNOPSIS
What makes a global corporation give away its prized intellectual property? Why are Ivy League universities allowing anyone to take their courses for free? What drives a farmer in rural Africa to share his secrets with his competitors?

A collection of hactivists, hobbyists, forum-users and maverick leaders are leading a quiet but unstoppable revolution. They are sharing everything they know, and turning knowledge into action in ways that were unimaginable even a decade ago. Driven by technology, and shaped by common values, going open has transformed the way we live. Its not so much a question of if our workplaces, schools and colleges go open, but when.

Packed with illustration and advice, this entertaining read by learning futurist, David Price, argues that open is not only affecting how we are choosing to live, but that its going to be the difference between success and failure in the future.
Totally Free Deals
Does my proposed IRA Rollover make sense?
Added on : Tuesday October 29th 2013 09:00:08 AM
g: 0 Posted By: CaptainK44
Views: 75 Replies: 1 Hello All. Long-time lurker. First-time poster.

My first job in the Real World provided me with a 401(k). Upon leaving that job in late 2007, I was forced to relocate my 401(k) from my prior employer, as the prior employer (a small law firm) did not wish to deal with the related management fees. I was able to make an "in-kind" transition from a 401(k) to an IRA in whichI kept the same mutual funds held by the IRA (all American Funds) and the same administrator (Northwestern Mutual). I have not made any changes to the holdings of the IRA at any point, aside from reinvestment of dividends.

Yesterday, I learned that I can switch the IRA holdings (all non-proprietary mutual funds issued by American Funds) from Northwestern Mutual to a local bank/administrator, First Citizens Bank. In doing so, I would appear to save approximately $50 or so per year in management fees, given that I can self-manage the IRA (mutual fund only) through First Citizens for only a $10.00 annual fee. I am happy with the funds in the IRA and do not wish to trade them.My question is this -- Am I missing anything here? If I want to keep the same funds and do not require any additional services, should I simply jump ship to the administrator which offers the lowest management fee?Thanks in advance for your thoughts on the issue.

Should the information be relevant, we're talking about $35,000.00 or so in the IRA. I have a current 401(k) through my current employerworth approximatley $65,000.00. I invest for fun through Fidelity Investments and Scottrade, and am markedly more adventerous in making changes tomy Fidelity/Scottrade holdings thanthe holdings in my IRA/current 401(k).

Investing Deals
g: 13 Posted By: archena
Views: 2602 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Secrets of a Master Closer: A Simpler, Easier, and Faster Way to Sell Anything to Anyone, Anytime, Anywhere [Kindle Edition] was $6.95

Mike Kaplan (Author)

http://www.amazon.com/dp/B008B6V6YO

Publication Date: June 12, 2012

Publisher: Oculus Publishers, Inc.

65 Reviews ★★★★.5

#5 inKindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Sales & Selling

#10 inKindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship

If you want to know, step by step, how to quickly, easily, and smoothly walk anyone from being a skeptical prospect to a happy customer that refers you friends, family, and colleagues...then you want to read this book.

Here's the deal:At its core, selling isn't a patchwork of cheesy closing techniques, annoying high-pressure tactics, or gimmicky rebuttals.

True salesmanship follows very specific laws, has very specific steps and stages, and leaves a customer feeling happy and helped. It's honest, respectful, enlightening, friendly, and done with real care. It's the type of selling that wins you not only customers, but fans.

Not coincidentally, this is the type of selling that truly great salespeople have mastered. This is the type of selling that keeps pipelines full and moving, and that builds a strong, loyal customer base that continues to give back to you in the form of customer loyalty, reorders, and referrals.

Well, that's what this book is all about. It will give you a crystal-clear picture of the exact steps that every sale must move through and why, and how to methodically take any prospect through each, and eventually to the close. And how to do it with integrity and pride.

In this book, you'll learn things like...

The eight precise steps of every sale. Leave any out, and you will struggle. Use them all correctly, and you will be able to close unlimited sales.
The true purpose of the presentation and the Crucial, often-missing steps that need to be taken first. If you're making the same presentation mistakes as most other salespeople, this chapter alone could double your sales.
How to easily discover which prospects can use and pay for your product/service, and which can't. Time is your most valuable commodity as a salesperson, and if wasted, it costs you money.
Learn how to smoothly create an abundance of closing opportunities, and know when to act on them and close. This is the hallmark of every master closer. Learn it, use it, and profit.
Why it's a myth that you need to know multiple ways to close deals. Learn this one, simple method, and you'll be able to use it to close all of your sales.
Simple formulas to turn any objection into a closing opportunity. Use them and never fear hearing a prospect's objection ever again.
And a whole lot more!

This is more than a just a book, really. It's a step-by-step sales training course. Each chapter ends with precise exercises that will help you master each technique taught and each step of the sales process.

If you are new to sales, make this book the first one you read, and you will greatly increase your chances for quick success.

If you are a seasoned veteran and are looking for ways to improve your numbers, this book will help you make your sales goals a reality.

SPECIAL BONUS FOR READERS!

With this book you'll also get a free "Road Map" from the author that lays out, in a PDF chart, every step and key principles taught in the book.

Print it out and keep it handy because it makes for a great "cheat sheet" to use while selling, or just to refresh on what you've learned.
From the AuthorHi,

I'm Mike, and I spent six years building and ultimately selling a multi-million dollar software sales company, AllMicro.

I attribute my success most to my ability to sell, which helped me not only get into the business in the first place, but train hundreds of salespeople over the years to build a large, productive sales force.

My experience teaching has shown me that everyone has the potential to be a great salesperson. It only takes three things.

First, you have to know the fundamental principles of selling. No amount of trick techniques or gimmicks can replace an understanding of the underlying laws of sales and persuasion.

Second, you have to know the precise steps that every sale must go through, and how to smoothly walk prospects through each. If you can't, you'll never reach your full potential as a salesperson.

Third, you have to have a strong desire to succeed. I know that sounds trite, but it's true--the best salespeople are inevitably the most driven. Fortunately, once you have the first two prerequisites, this final one usually takes care of itself.

Whether you're new to sales and have no experience or are a seasoned veteran looking for a way to boost your numbers, I can help you.

In my book you'll find the most important principles, techniques, and training exercises that I isolated, tested, and codified during my twenty years in sales and sales training. Regardless of what you're selling, this book will help you sell more and sell faster. This may just be the only book you need to read on sales, but I'll let you be the judge of that.

I hope you enjoy my book and I'd love to hear from you.

Sincerely,

Mike

Totally Free Deals
g: 9 Posted By: archena
Views: 1437 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Start-up Owner's Manual: Rich and Wealthy Ways to Build a Successful Business Online - A Simple Wealth Generation Plan anyone can use to Create Financial Success. [Kindle Edition] was $9.99

Star Riley (Author)

http://www.amazon.com/dp/B00FXKNV2G

Publication Date: October 15, 2013

Publisher: Star Riley

7 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship

#1 in Kindle Store > Kindle eBooks > Nonfiction > Self-Help > Motivational

Start-up Owners Manual: Rich and Wealthy Ways to Build a Successful Business Online
A Simple Wealth Generation Plan anyone can use to Create Financial Success.

This simple and easy to understand guide will give you a birds-eye view and basic knowledge needed to build a successful business using the power of the internet.

We already realize Social Media, Online Marketing and Lead Generation is Crucial to any modern entrepreneur or small business owner who seeks market domination.

I wrote this book specifically for busy managers, business owners and entrepreneurs to share ideas and concepts as they apply to starting and or marketing your business online, from the mind of a successful entrepreneur and business growth specialist whose bit-sized chunks of empowerment will allow you to easily understood and grasp them during your short breaks.

In this Amazing book you will discover:
*How to Develop the Mindset of a Successful Entrepreneur

*The Wisdom of Warren Buffet - What to look for in any Investment?

*An Online Experts Plan to Marketing and Promoting Your Business

*Building a Successful Online Business with Free marketing

*The Best Paid marketing Methods for Promoting Your Online Business

*How to create value for your business supporters

... And so much more!

Instantly upon acquiring, you can read then apply what you have learned or as the late but great Community Activist and Entrepreneur John Hardwick used to say Eat The Meat and Spit Out The Bones! or simply apply what works for you and your business to achieve your own success!
Books & Magazines Deals
g: 0 Posted By: archena
Views: 602 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

High Conversion E-Mail Copywriting: 50 E-Mail Marketing Copywriting Tips to Increase Your Rates by 30% or More [Kindle Edition] was $5.95

Scott Frothingham (Author)

http://www.amazon.com/dp/B00DRIU5I4

Publication Date: July 2, 2013

Publisher: FastForwardPublishing.com

4 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Marketing > Direct

The 50 tips in High Conversion E-Mail Copywriting can fine-tune your e-mail copywriting skills to make your customers more loyal, your prospects more responsive and your list more profitable. Understanding the way that your prospects and customers read their e-mail will help you create messages that will gain and hold their attention, boosting response rates to new levels. High Conversion E-Mail Copywriting is a quick and easy guide to taking your e-mails to the next level of performance and success.
Books & Magazines Deals
FREE Kindle Book - High Conversion E-Mail Copywriting was $5.95
Added on : Saturday October 26th 2013 08:00:10 PM
g: 0 Posted By: archena
Views: 14 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

High Conversion E-Mail Copywriting: 50 E-Mail Marketing Copywriting Tips to Increase Your Rates by 30% or More [Kindle Edition] was $5.95

Scott Frothingham (Author)

http://www.amazon.com/dp/B00DRIU5I4

Publication Date: July 2, 2013

Publisher: FastForwardPublishing.com

4 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Marketing > Direct

The 50 tips in High Conversion E-Mail Copywriting can fine-tune your e-mail copywriting skills to make your customers more loyal, your prospects more responsive and your list more profitable. Understanding the way that your prospects and customers read their e-mail will help you create messages that will gain and hold their attention, boosting response rates to new levels. High Conversion E-Mail Copywriting is a quick and easy guide to taking your e-mails to the next level of performance and success.
Books & Magazines Deals
g: 0 Posted By: archena
Views: 26 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Start-up Owner's Manual: Rich and Wealthy Ways to Build a Successful Business Online - A Simple Wealth Generation Plan anyone can use to Create Financial Success. [Kindle Edition] was $9.99

Star Riley (Author)

http://www.amazon.com/dp/B00FXKNV2G

Publication Date: October 15, 2013

Publisher: Star Riley

7 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship

#1 in Kindle Store > Kindle eBooks > Nonfiction > Self-Help > Motivational

Start-up Owners Manual: Rich and Wealthy Ways to Build a Successful Business Online
A Simple Wealth Generation Plan anyone can use to Create Financial Success.

This simple and easy to understand guide will give you a birds-eye view and basic knowledge needed to build a successful business using the power of the internet.

We already realize Social Media, Online Marketing and Lead Generation is Crucial to any modern entrepreneur or small business owner who seeks market domination.

I wrote this book specifically for busy managers, business owners and entrepreneurs to share ideas and concepts as they apply to starting and or marketing your business online, from the mind of a successful entrepreneur and business growth specialist whose bit-sized chunks of empowerment will allow you to easily understood and grasp them during your short breaks.

In this Amazing book you will discover:
*How to Develop the Mindset of a Successful Entrepreneur

*The Wisdom of Warren Buffet - What to look for in any Investment?

*An Online Experts Plan to Marketing and Promoting Your Business

*Building a Successful Online Business with Free marketing

*The Best Paid marketing Methods for Promoting Your Online Business

*How to create value for your business supporters

... And so much more!

Instantly upon acquiring, you can read then apply what you have learned or as the late but great Community Activist and Entrepreneur John Hardwick used to say Eat The Meat and Spit Out The Bones! or simply apply what works for you and your business to achieve your own success!
Books & Magazines Deals
Money Market-Which of these is ideal?
Added on : Saturday October 26th 2013 06:00:13 PM
g: 0 Posted By: stallion12
Views: 60 Replies: 0 My Capital One account dropped down to 0.50% so i'm looking to shift it elsewhere. I may move it to Ally but I figured I'd consider trying one of these other banks i'm less familiar with.

Are these banks legit and worthy? I know most are huge names, I just never banked with them so that's my concern. Any good or bad stories or feedback to go along with any of them?
Barclays - 0.90%https://www.banking.barclaysus.com/index.html
GE Capital - 0.90%https://gecapitalbank.com/savings-products/online-savings.html?prod=SAV
CIT Bank - 0.90% with min $25Khttps://www.bankoncit.com/product-savings.htm
SmartPiggy - 1.00%https://www.smartypig.com/ (Is SmartPiggy Legit too?)

Which of these is less likely to drop their rate sooner than others? And which is comparable to Ally or Capital One 360?

All feedback appreciated.

Investing Deals
Fidelity now offers 10 sector ETFs with .12% expense ratios
Added on : Friday October 25th 2013 01:00:15 PM
g: 0 Posted By: beatnik28
Views: 73 Replies: 1 Competition is good. 10 new low cost sector ETFs from Fidelity.

These ETFs will be the lowest-cost passively managed sector ETFs in the industrywith total expense ratios of just 0.12 percent-- nearly 80 percent below the industry average for passive sector ETFs.In addition, investors and registered investment advisors (RIAs) can purchase Fidelitys ETFs commission-free online* through one of Fidelitys brokerage platforms.

The full press release ishere
g: 0 Posted By: archena
Views: 49 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Secrets of a Master Closer: A Simpler, Easier, and Faster Way to Sell Anything to Anyone, Anytime, Anywhere [Kindle Edition] was $6.95

Mike Kaplan (Author)

http://www.amazon.com/dp/B008B6V6YO

Publication Date: June 12, 2012

Publisher: Oculus Publishers, Inc.

65 Reviews ★★★★.5

#12 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Sales & Selling

If you want to know, step by step, how to quickly, easily, and smoothly walk anyone from being a skeptical prospect to a happy customer that refers you friends, family, and colleagues...then you want to read this book.

Here's the deal:At its core, selling isn't a patchwork of cheesy closing techniques, annoying high-pressure tactics, or gimmicky rebuttals.

True salesmanship follows very specific laws, has very specific steps and stages, and leaves a customer feeling happy and helped. It's honest, respectful, enlightening, friendly, and done with real care. It's the type of selling that wins you not only customers, but fans.

Not coincidentally, this is the type of selling that truly great salespeople have mastered. This is the type of selling that keeps pipelines full and moving, and that builds a strong, loyal customer base that continues to give back to you in the form of customer loyalty, reorders, and referrals.

Well, that's what this book is all about. It will give you a crystal-clear picture of the exact steps that every sale must move through and why, and how to methodically take any prospect through each, and eventually to the close. And how to do it with integrity and pride.

In this book, you'll learn things like...

The eight precise steps of every sale. Leave any out, and you will struggle. Use them all correctly, and you will be able to close unlimited sales.
The true purpose of the presentation and the Crucial, often-missing steps that need to be taken first. If you're making the same presentation mistakes as most other salespeople, this chapter alone could double your sales.
How to easily discover which prospects can use and pay for your product/service, and which can't. Time is your most valuable commodity as a salesperson, and if wasted, it costs you money.
Learn how to smoothly create an abundance of closing opportunities, and know when to act on them and close. This is the hallmark of every master closer. Learn it, use it, and profit.
Why it's a myth that you need to know multiple ways to close deals. Learn this one, simple method, and you'll be able to use it to close all of your sales.
Simple formulas to turn any objection into a closing opportunity. Use them and never fear hearing a prospect's objection ever again.
And a whole lot more!

This is more than a just a book, really. It's a step-by-step sales training course. Each chapter ends with precise exercises that will help you master each technique taught and each step of the sales process.

If you are new to sales, make this book the first one you read, and you will greatly increase your chances for quick success.

If you are a seasoned veteran and are looking for ways to improve your numbers, this book will help you make your sales goals a reality.

SPECIAL BONUS FOR READERS!

With this book you'll also get a free "Road Map" from the author that lays out, in a PDF chart, every step and key principles taught in the book.

Print it out and keep it handy because it makes for a great "cheat sheet" to use while selling, or just to refresh on what you've learned.
From the AuthorHi,

I'm Mike, and I spent six years building and ultimately selling a multi-million dollar software sales company, AllMicro.

I attribute my success most to my ability to sell, which helped me not only get into the business in the first place, but train hundreds of salespeople over the years to build a large, productive sales force.

My experience teaching has shown me that everyone has the potential to be a great salesperson. It only takes three things.

First, you have to know the fundamental principles of selling. No amount of trick techniques or gimmicks can replace an understanding of the underlying laws of sales and persuasion.

Second, you have to know the precise steps that every sale must go through, and how to smoothly walk prospects through each. If you can't, you'll never reach your full potential as a salesperson.

Third, you have to have a strong desire to succeed. I know that sounds trite, but it's true--the best salespeople are inevitably the most driven. Fortunately, once you have the first two prerequisites, this final one usually takes care of itself.

Whether you're new to sales and have no experience or are a seasoned veteran looking for a way to boost your numbers, I can help you.

In my book you'll find the most important principles, techniques, and training exercises that I isolated, tested, and codified during my twenty years in sales and sales training. Regardless of what you're selling, this book will help you sell more and sell faster. This may just be the only book you need to read on sales, but I'll let you be the judge of that.

I hope you enjoy my book and I'd love to hear from you.

Sincerely,

Mike

Totally Free Deals
FREE Kindle Book - Born to Win: Find Your Success Code was $9.99
Added on : Thursday October 24th 2013 06:00:14 AM
g: 0 Posted By: archena
Views: 34 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Born to Win: Find Your Success Code [Kindle Edition] was $9.99

Zig Ziglar (Author)

http://www.amazon.com/dp/B006ZG5THW

Publication Date: January 18, 2012

Publisher: AudioInk

33 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Motivational

Zig Ziglars Born to Win: Find Your Success Code, compresses four decades of life-changing tools and practices into one inspiring, easy-to-use format for people who want to grow and improve the whole spectrum of their lives now!

Zig has always taught that You were born to win, but to be the winner you were born to be you must plan to win and prepare to win. Then and only then can you legitimately expect to win. Born to Win guides readers through this plan-prepare-expect strategy. You will learn that when you have the hope that things can change, and a plan to make that change possible, you can take action.

In this interactive eBook, at a click of an icon you can instantly hear guest celebrity stories from Dave Ramsey, Seth Godin and many more. Youll be amazed at who attributes their success to Zigs teachings!

Zig Ziglars whole-person, balanced-living approach to life has inspired millions to enjoy good health, a new depth of love and gratitude for family and friends, financial security and independence, and spiritual peace of mind. His instruction on how to live a life that leaves no room for regret or worry is the starting point for a joyful, exciting, vibrant life. It is true that when you have prepared yourself to be the right kind of person, you can do what you need to do to expect success. When you truly understand that you were born to win, you can change the world!

"Its going to be the most fun and exciting trip youll ever take. Its filled with more promise of reward than King Solomons mines. In short, this journey to the top, which you are going to be taking, is a tremendously exciting trip." Zig Ziglar

About the Author

Author Bio:

ZIG ZIGLAR, world-renowned author and speaker, has an appeal that transcends barriers of age, culture, and occupation. Since 1970 he has traveled over five million miles across the world delivering powerful life-improvement messages, cultivating the energy of change. Mr. Ziglar has written twenty-nine celebrated books on personal growth, leadership, sales, faith, family, and success, ten of which have been on the bestseller lists. His books and tapes have been translated into over thirty-eight languages and dialects.

TOM ZIGLAR, CEO of Ziglar, Inc., not only shares a last name with his father, Zig Ziglar, he also carries on his philosophy: ''You can have everything in life you want if you will just help enough other people get what they want.'' Prior to being named CEO, Tom began his career in retail and direct sales. He joined the Zig Ziglar Corporation in 1987, learning every aspect of the business as he climbed from working in the warehouse to sales, seminar promotion, sales management, and then on to leadership. He is boldly taking Ziglar, Inc., into the world of social communities, Twitter, blogs, and live video webcasts to present the tried-and-true message of hope, integrity, and positive thinking to a whole new audience.

Reader Bio:

ANDY ANDREWS, hailed by the New York Times as a ''modern-day Will Rogers who has quietly become one of the most influential people in America,'' is an internationally known speaker and novelist whose combined works have sold millions of copies worldwide. He has been received at the White House and has spoken at the request of four different presidents. His second PBS special, Andy Andrews: The Traveler's Gift, has aired nationally to rave reviews.
Totally Free Deals
g: 0 Posted By: remick
Views: 22 Replies: 0 http://www.amazon.com/dp/B008TW1BH2

Saving for Retirement will relieve confusion and barriers to action for Americans who are increasingly worried about retirement. The book removes everything from the readers path that typically trips people up and hits the sweet spot for everyone aged 18 to 60. Using new figures (including troubling new projections of healthcare and long-term care costs), Gail MarkJarvis helps readers calculate exactly how much money theyll need and how to get there. She presents easy, proven investing strategies for anyone at any age that will transform pocket change into hundreds of thousands of dollars. Packed with her readers personal stories, this book teaches powerful professional financial planning principles but makes them simple enough for anyone to apply on their own.
Identifying stock market manipulation vs. regular buying and selling
Added on : Saturday October 19th 2013 06:00:04 PM
g: -3 Posted By: Notanalt
Views: 575 Replies: 13 This article from SA seeking alpha is good starting point for the discussion.

The yahoo message boards are not helpful because every time someone lose money they cry manipulation.

Any additional sources you folks have are appreciated.

edit: to refine the discussion/topic

Investing Deals
Looking for treatise on short selling/high frequency trading
Added on : Friday October 18th 2013 08:00:08 PM
g: 0 Posted By: Notanalt
Views: 20 Replies: 0 There seems to be general idea out there that particular equities can come under sustained attack or manipulation. Green Mountain might be one example of stock that was driven down and then had a complete reversal up.

Does anyone know of a book or an article that provides descriptions of tactic and techniques employed to dramatically move a stock down and then participate in a complete reversal?

The yahoo message boards are not helpful because every time someone lose money they cry manipulation. I would prefer to read something from someone who is actually sharing proven criteria for identifying manipulation rather than just plain old selling.

Any sources you folks have are appreciated.


Investing Deals
g: 6 Posted By: archena
Views: 1378 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Ultimate Google Plus Business Guide: Google Plus for Business a Guide for Google Plus Marketing [Kindle Edition] was $9.99

Derek Willis (Author)

http://www.amazon.com/dp/B00FKFW8TQ/

Publication Date: September 30, 2013

7 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Advertising

Get hundreds if not thousands of new customers from Google Plus now!

This simple and easy-to-read guide will show you how to use Google Plus for business, and reach thousands of potential customers with easy to follow Google Plus marketing techniques that will create brand recognition and a strong and positive business perception to thousands of potential customers.

This extraordinary Google Plus marketing guide will reveal the exact steps that you really need to care about the most, in order to strongly and safely position your Google Plus for business in even less than a day.This step-by-step Ultimate Google Plus for Business Guide is going to take you by the hand and show you how to safely skyrocket your Google Plus marketing online in the shortest time ever.


Quickly and safely build a huge and high quality army of clients or customers 100% targeted to your business.
Effectively contact your new and existing clients or customers in order to scale your Google Plus marketing into a whole new level of success.
Ensure a very strong income power potential for your Google Plus for business by constantly and effectively using Google Plus marketing.


This detailed and highly effective Google Plus marketing training course will also reveal:


Tips on how to create a highly effective profile page.
Important tips that will get the most out of your about section that even big Google Plus marketing companies forget.
How to effectively use one of the most powerful functions that Google Plus marketing has invested millions of dollars on.
How to effectively use the top 5 posting activities that will virally spread the word out quickly for your Google Plus for business.
Effective techniques that will make your posting activities a lot more productive using Google Plus marketing.
The safest way to get as many +1's as you want to your brand new Google Plus for business page.


Start Attracting New Google Plus Business Customers Today!

This is a great chance for you to discover the best and most effective techniques you could use on Google Plus for business. How much would it cost you to get your business to be known by thousands of people in your home town? How much do you think you will spend doing so on Google Plus?

Let me tell you that you can do it for free.

The only thing you need to do is buy this Ultimate Google Plus for Business Guide, and save yourself a lot of time and frustration. Save yourself the countless hours we have invested into this to create a high quality step-by-step training guide especially for you and for a lot less than the cost of any other service. It's just as simple as that.
Totally Free Deals
What are the best short-term, very liquid "investments"
Added on : Friday October 18th 2013 05:00:06 AM
g: -1 Posted By: jjbear11
Views: 47 Replies: 3 I've tried searching on the forums, but couldn't find anything that fit the bill of my situation; so, I figured that I'd ask around to see what ideas are out there.

I'll be starting a new job as a contractor, which means that I'll be responsible for socking away my own funds for vacation, sick days, holidays, etc during the duration of the contract (contracting period could be up to 12 months, if not longer). I'm looking for a vehicle to make the best return on those funds, while also making the extremely liquid -- I'm talking about being able to have cash in hand within no more than 24 hours. I know that I can put it in savings via my credit union, but I'm hopingthere is a better alternative that that.

I'd consider myself to be a beginner when it comes to financial savvy, so any suggestions are welcome; thanks for reading!!
Investing Deals
2014 Planning (AOR #3) - Should I pay of 0% CC or BT + Invest?
Added on : Thursday October 17th 2013 05:00:07 AM
g: 0 Posted By: Muscle
Views: 91 Replies: 2 Hi all,

I'm starting to put together a gameplan for the next calendar year. Around the beginning of this year I did my AOR #2 with the following results:

$10k BT with no fee (Chase Slate) + card consolidation (2x Chase Freedom) for a total 0% APR CL of $15k
$200 Cash Back from Amex Blue + BoA 0% APR cards
~$100 more Cash Back from these cards based on spending

I have $3500 left that I can load up on my remaining 0% APR cards. The promotional period runs out between4/1/14 - 7/1/14, with the largest balance (around $15k) on 7/1/14. Once the cards are loaded I will have a total of about $25k in CC debt.

I doubt I'll be able to get any other no-fee balance transfers, so I need to decide if I want to pay off the balance on the staggered cards prior to the promo period running out or pay a 3% BT fee (will be around $750) for another 1-1.5 years of no interest.

So, what have you done with this $25k?

I've been investing into various mutual funds and have been fortunate enough to get a ~20% return on my money. I can pay off the balances, but why not keep the train rolling?

Also, I have a 2 tier emergency fund on top of this, so that's of no concern.

----

Game Plan Options:

1) Pay off: Do a new AOR in January, pay off staggered balances on old cards while loading up new cards.
Pros: no balance transfer fees to pay, peace of mind (arguable).
Cons: much lower ROI because despite the $750 BT fee I could make way more than that by investing the same balance again. I won't be able to invest any money for half the year.

2) BT: Do a new AOR in January and BT as much of the current balance as possible. Load up new cards (if there's anything left) while investing the rest.
Pros: higher ROI.
Cons: growing debt, $750 BT fee.

3) Hybrid: Do a new AOR in January, BT staggered amounts on cards that have the promo period running out earlier. Invest as much in the first half of the year as possible. Sell off some investments mid-year to either pay off remaining balances, do another AOR, or some combination based on offers at that point.
Pros: mid range ROI, lowering (but not eliminating) debt, lower BT fee.
Cons: mid range ROI.

---

What do you guys think?

I'm leaning towards #2, but may have to be somewhat flexible based on available offers (for instance I just got a 0% APR for 15 months BT offer to transfer $7k from Citi - I have some cards with them I don't use anymore - but they want to charge a 5% fee) because I'm not sure how high my new CL will be. I doubt I'd get $25k+ worth.

For the record, I could pay off all the balances now, but that would be silly, as I'd be selling off over $20k worth of investments that are bringing in healthy returns.

TIA




Personal Finance Deals
FREE Kindle Book - Ultimate Google Plus Business Guide was $9.99
Added on : Wednesday October 16th 2013 05:00:06 AM
g: 0 Posted By: archena
Views: 20 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Ultimate Google Plus Business Guide: Google Plus for Business a Guide for Google Plus Marketing [Kindle Edition] was $9.99

Derek Willis (Author)

http://www.amazon.com/dp/B00FKFW8TQ/

Publication Date: September 30, 2013

7 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Advertising

Get hundreds if not thousands of new customers from Google Plus now!

This simple and easy-to-read guide will show you how to use Google Plus for business, and reach thousands of potential customers with easy to follow Google Plus marketing techniques that will create brand recognition and a strong and positive business perception to thousands of potential customers.

This extraordinary Google Plus marketing guide will reveal the exact steps that you really need to care about the most, in order to strongly and safely position your Google Plus for business in even less than a day.This step-by-step Ultimate Google Plus for Business Guide is going to take you by the hand and show you how to safely skyrocket your Google Plus marketing online in the shortest time ever.


Quickly and safely build a huge and high quality army of clients or customers 100% targeted to your business.
Effectively contact your new and existing clients or customers in order to scale your Google Plus marketing into a whole new level of success.
Ensure a very strong income power potential for your Google Plus for business by constantly and effectively using Google Plus marketing.


This detailed and highly effective Google Plus marketing training course will also reveal:


Tips on how to create a highly effective profile page.
Important tips that will get the most out of your about section that even big Google Plus marketing companies forget.
How to effectively use one of the most powerful functions that Google Plus marketing has invested millions of dollars on.
How to effectively use the top 5 posting activities that will virally spread the word out quickly for your Google Plus for business.
Effective techniques that will make your posting activities a lot more productive using Google Plus marketing.
The safest way to get as many +1's as you want to your brand new Google Plus for business page.


Start Attracting New Google Plus Business Customers Today!

This is a great chance for you to discover the best and most effective techniques you could use on Google Plus for business. How much would it cost you to get your business to be known by thousands of people in your home town? How much do you think you will spend doing so on Google Plus?

Let me tell you that you can do it for free.

The only thing you need to do is buy this Ultimate Google Plus for Business Guide, and save yourself a lot of time and frustration. Save yourself the countless hours we have invested into this to create a high quality step-by-step training guide especially for you and for a lot less than the cost of any other service. It's just as simple as that.
FREE Stanford Online Class: The Finance of Retirement and Pensions
Added on : Monday October 14th 2013 07:00:13 AM
g: 0 Posted By: fongo61
Views: 13 Replies: 0 I saw this in my local newspaper and thought that people who need to plan for retirement might enjoy this.

Info about the class:https://www.gsb.stanford.edu/news/headlines/joshua-rauh-launch-massive-open-online-course-retirement-planning

Direct Link

This course contains general information about financial matters for educational purposes only and does not provide personalized investment, tax, legal or accounting advice.In this eight-week course, you will learn the financial concepts behind sound retirement plan investment and pension fund management. Course participants will become more informed decision makers about their own portfolios, and be equipped to evaluate economic policy discussions that surround public pensions. The course begins with the principles of financial economics, such as the distribution of outcomes when investing in stocks, bonds, or annuities. These serve as the building blocks for an understanding of different retirement strategies that can help you improve your asset allocation. Finally, the course applies these principles to government programs and policies.The Finance of Retirement and Pensions will culminate in an interactive symposium about the challenges of U.S. pension systems.Held in January 2014 at Stanford Graduate School of Business, the event will feature representatives of the MOOC teams with the five most promising ideas for pension reform, who will present their proposals to a distinguished panel of faculty and experts in finance and public policy.Expenses will be covered by Stanford Graduate School of Business and the Hoover Institution.
Deal Deals
g: 2 Posted By: archena
Views: 197 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Are You a Stock or a Bond?: Identify Your Own Human Capital for a Secure Financial Future, Updated and Revised [Kindle Edition] was $29.99

Moshe A. Milevsky Ph.D. (Author)

http://www.amazon.com/dp/B009EC7K0S

Publication Date: September 21, 2012

Publisher: FT Press

20 Reviews ★★★★

#17 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Accounting & Finance > Finance

#17 in Kindle Store > Kindle eBooks > Business & Investing > Finance > Finance & Investing


You must be aware of the value, potential return and risk of your own human capital (your job, career and what you do for a living as opposed to stocks and bonds or other investment choices) as well as financial capital and investments to plan a secure future. Human capital is the most valuable asset that you will own over your lifecycle. You need to balance all financial decisions with the characteristics of your human capital. The key trends identified in the first edition of the book namely, the decline of Defined Benefit (DB) pension provision, the continued increase in human longevity and the risk of personal inflation, are as relevant today as they were five years ago. The financial crisis has taught us that all types of capital human, financial and even social are key to a secure financial future. If your career has "stock-like" growth and risk characteristics, Milevsky helps you balance your "portfolio" by tilting investments towards safer "bonds." If your job is more secure but offers lower financial upside, you'll learn to tilt your investments towards stocks that compensate for your lower earning potential. Either way, Milevsky shows you how to integrate investments, insurance, annuities, and retirement plans to generate the safe and reliable income you'll need.

This Edition's updates include:

● New 2012 data, charts, figures, and references
● More coverage of incorporating "human capital" into financial planning
● Advice reflecting the aftermath of the financial crisis
● Easier, more usable techniques, and less math!

About the Author
Moshe A. Milevsky, Ph.D., is a professor at the Schulich School of Business and a member of the graduate faculty of the Department of Mathematics and Statistics at York University in Toronto (Canada). He has lectured at the Wharton School of Business at the University of Pennsylvania, the London School of Economics (UK), University of New South Whales (Australia), ORT University in Montevideo (Uruguay), University of Cyprus, University of Leuven (Belgium), and Goethe University (Germany).

He is a 2002 Fellow of the Fields Institute for Research in Mathematical Sciences. In 2003 he received two National Magazine (Canada) awards for his popular writing on personal finance. In 2006 he received a Graham and Dodd scroll award from the CFA Institute for an article in the Financial Analysts Journal . In 2008, he was honored with a lifetime achievement award from the Retirement Income Industry Association, and in 2009 he was selected as an MDRT Main Platform speaker.

Prof. Milevsky has published ten books, more than 60 peer reviewed research papers, and more than 200 popular magazine and newspaper articles. He currently lives in Toronto, but grew up in Baltimore, New York, Mexico City, and Jerusalem. He is married with four daughters. Follow him on Twitter at http://twitter.com/RetirementQuant.
Books Deals

Amazon Coupons
Are mutual funds holding ETF's doubling down on expenses?
Added on : Sunday October 13th 2013 05:00:05 PM
g: 0 Posted By: dougan778
Views: 10 Replies: 0 I have a small amount of money in a mutual fund (UFSGX) that my parents got for me years ago. I have never really looked at it much until lately. I see the expense ratio is 1.44%. But, when I scroll down, I see that some of the top holdings are ETFs. For example, the biggest holding (~8%) is iShares MSCI EAFE ETF, which looks like it has a .34% expense ratio. I'm assuming that the expenses from this ETF aren't factored into my 1.44% for the mutual fund, so I think it's compounding. Right?

At a glance, 6 out of the top 10 holdings have "index" or "etf" in the name. I guess it seems pretty lame to me to have a 1.44% expense ratio on a fund that is relying on ETF holdings to do its dirty work. But beyond that, 1.44% is pretty high for me in general, so if I'm paying even more for fees in the end, I probably will cash out of this and put it into a lower-cost holding.
Investing Deals
Significant cash - how/where to invest at this time?
Added on : Saturday October 12th 2013 02:00:11 PM
g: 0 Posted By: quana
Views: 35 Replies: 1 As you will see from below, I did something that has turned out be the lifetime pinnacle of financial stupidity albeit in retrospect. I have experienced enough pain to realize that I need to go to a financial planner and I am meeting few over next two weeks to select one (I am considering only fixed-fee planners). I am posting here to prepare myself for these meetings to be able to have a somewhat educated discussions. Browsing this forum as a lurker for quite sometime, I am hoping I will find a broad spectrum of useful opinions and suggestions. Thank you in advance for your help. And since I have already accepted my stupidity, I would appreciate only constructive remarks to stop and mitigate the damage already done. As far as beating on me, I do that enough of it myself and need no help

I was able to get through the worst of the Great Recession but finally panicked in July 2010 and went to all cash in my investment accounts. S&P that day closed at 1024. I am a news junkie and the sky-is-falling cry not only got to me then but has kept me out of the market since. The fear of the recession was replaced by the fear of QE-fueled bubble. My brain chemistry, torched by the tech and housing bubbles, has not dealt well with the prospect of a QE bubble, imaginary or real. So here I am with significant cash in my accounts (no stocks or bonds whatsoever). Everyday market goes up, I feel the pain that is almost physical now. Hence, the decision to finally seek help. So I have a simple question for the savvy crowd here: if you were sitting on significant amount of cash and nothing else and this accounted for all your savings, how would you deploy it at this point in time when the stock market is at a historic high and a bond market that is just waiting to be crushed at the mid-to-long end once the QE fumes subside? I understand the status quo can continue for a very long time, but would feel very foolish to invest in with now and lose 20-30% in coming years.

Having sat out the biggest rally of my investing lifetime, here are the choices confronting me:

(1) Should I just sit on sidelines for this bubble to eventually burst? That is, is it too late to get into the market for now? Isn't my upside much lower than downside (although one can only speculate)?
(2) Should I dollar cost average into risky assets (stocks and bonds) over next few months at market dips such as the on seen earlier this month? This would entail investing my savings and then just close my eyes and let everything go on autopilot until I retire about 15 years from now. If I go this route, what should be my asset allocation to cash, stocks and bonds (for reference, most target date funds for my age are currently recommending 80% stocks and 20% bond funds). I understand that bond funds have lower volatility but what is the rationale of owning them right now if they can only go down in value. Wouldn't QE bubble burst finally take away the flight-to-safety argument that supports bond valuations and make the two asset classes (stocks and bonds) very much correlated on their way down if and when this happens?

Am I over thinking?





Investing Deals
ANOTHER solo 401k question
Added on : Friday October 11th 2013 12:00:08 PM
g: 0 Posted By: uuuuut
Views: 104 Replies: 2 I've had 3 jobs this year -- I was self employed for one of them.

Job 1 was for the first few months of this year. I stopped working for them because they went bankrupt and laid me off. Before the layoff I did contribute a couple thousand to my 401k with them. They did not do any matching.
Job 2 Self employed contract job - They paid me direct via wire transfers and I will not get any tax docs (w-2 or 1099) from them. I guess they can do that because they're not a US based company. My earnings for this job were greater than $17.5K
Job 3 Another W-2 Job. No 401k or other retirement plan available.

I've never been self employed before nor have I setup a solo 401k before so I don't really know where to start or what resources to check, but I'd like to put almost all my earnings with Job 2 into some sort of 401k -- more than $17.5K if possible.

Any thoughts/advice would be much appreciated. I've been thinking about an account with Charles Schwab... I currently use Wells Fargo, but their fees are high.
Investing Deals
Advice needed on how to invest my money
Added on : Tuesday October 08th 2013 09:00:06 AM
g: 0 Posted By: aexchange
Views: 131 Replies: 2 As a long time lurker, I'm turning to this community in looking for advice on how I should invest funds. I expect to have by March of next year somewhere in the neighborhood of $130-$150K in savings from a combination of proceeds from a house sale and continued savings on my current nest egg. I need some general guidance on how much I should leave untouched in savings for an emergency fund and what specific avenues I should use with the primary goals of creating modest returns, keeping said funds liquid, and minimizing my overall risk.

I'm well aware that I have significantly more funds than are needed for a 6 month emergency fund which is why I turn to this group for advice. As for background, I'm married with 1 kid, am the sole source of income, and make approximately $180K a year and max out my 401k. We have no debt aside from an expected house PITI payment of around $2700 a month and a car note through PenFed at $620 a month. My job is relatively stable, but that said, given the fact that I am the only source of income and my wife is a stay at home mom, my tolerance for risk is extremely low.

Thoughts?

Investing Deals
g: 2 Posted By: remick
Views: 179 Replies: 0 http://www.amazon.com/There-Questions-About-Money-ebook/dp/B008ZEO5NG

Up-to-Date, Common-Sense Money Answers, from the Internet's #1 Personal Finance Journalist!

Quick, bite-size advice you can understand, trust, and use
Save for retirement, college, or anything else
Pay off debt, the smart way
By award-winning MSN Money/AARP financial columnist and CNBC contributor Liz Weston

You can build financial security--and you don't need to be a rocket scientist to do it. This book brings together all the help you'll need, in common-sense language anyone can understand. It's organized around the questions real people have asked Liz Weston, the Internet's #1 financial columnist. Weston's answers are simple, accurate, and up-to-date and best of all, you can use them.

Here are powerful, sensible ways to get out of debt set financial priorities for a better life and save for everything from college to retirement. Weston offers realistic, up-to-date help with everything from investing to home buying, from improving your credit score to avoiding identity theft. You'll also learn how to master the emotions of money: to get past the pain, arguments, and guilt, and do what works.
Books Deals

Amazon Coupons
any bonuses for transferring $10K+ IRA assets to Etrade?
Added on : Saturday October 05th 2013 08:00:08 PM
g: 0 Posted By: AugustFour
Views: 16 Replies: 0 any ongoing bonuses/incentives for transferring $10K+ IRA assets to ETrade?
Investing Deals
any insight on Mosaic Investments
Added on : Saturday October 05th 2013 09:00:04 AM
g: 0 Posted By: gangt
Views: 29 Replies: 1 https://joinmosaic.com/

I stumbled upon this mosaic investments, wondering anyone has any experience investing in it.
I see only one review in Yelp.

Investing Deals
g: 7 Posted By: archena
Views: 1498 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Got A Bad Boss? Work That Boss to Get What You Want at Work [Kindle Edition] was $7.99

Noelle Nelson (Author)

http://www.amazon.com/dp/B00F80BKEW

Publication Date: September 15, 2013

Publisher: MindLab Publishing LLC

3 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides


Got A Bad Boss? is for the legions of unhappy employees who have a Bad Boss--those bosses who inflict misery and abuse on too many employees who aren't in a position to quit. It's a practical step-by-step guide to making yourself valuable to a Bad Boss instead of cringing, screaming, or going crazy; to take control of your job and your career even if your Bad Boss is a raving lunatic, narcissist or just plain incompetent.

(Check out the book trailer at http://youtu.be/Xt-XEFjzJ68)

How? By discovering your Bad Boss's secret desire and secret fear--which then gives YOU the secret to "working your boss to get what you want at work.

Not only that, but youve got strengths--work strengths embedded within your Employee Type--that you can use to make yourself valuable, to leverage your way to success no matter how bad your Bad Boss is.

Thats what Got A Bad Boss? gives you: strategies and techniques specific to working each type of Bad Boss, from Finger Pointer Boss to Incompetent Boss to Egomaniacal Boss and more--using your particular work-strengths--whether youre an Ambitious Employee, Hyper Sensitive, Pleaser or Impatient as all heck.
Books & Magazines Deals
Help me choose best investment option for my kid's education
Added on : Friday October 04th 2013 09:00:09 AM
g: 0 Posted By: valvo23
Views: 89 Replies: 0 Hello. I have 2 kids, currently 3yrs and 1 yr old. We are 36. I've done pretty well so far saving for my wife's and I retirement and now looking to get a better grip on our kid's college fund. Our goal is to save somewhere in the 150 - 200K range total to give the kids. I know that won't cover it all but it would be a good start. We expect to increase the investment amt in future yrs. but let's assume we don't. I currently have a NY 529 account setup for each child that last yr. returned~ 17% RoR. I don't fund these accounts that well at this point. In 20 yrs, this would have around 30K - 40 K in it.
We met with my brother-in-law who works for NE Financial on options. This is 3 he suggested all assuming a rate of 8% interest and paying $300/mo

#1 - Open a variable life insurance policy.Each of use would open a $100K policy. He assumes after 20yrs it would result in about 123K in cash value plus theaddtl life insurance should something were to happen to 1 of us. We already have term life insurance on each of us. This would put us at around 150K for their education. (this option + personal 529)

#2. - Open a Roth IRA in 1 of our names. We could pull out what what's put in w/o penalty which would be 72K in 20 yrs for theiruse and then have around 70K in earnings in the Roth. This would put us at around $105K for their education. (this option + personal 529)

#3 - Open a professionally managed 529 for each kid. After 20yrs, have around $148K in 529.Per B-I-L, thistype of fund is not sheltered when looking for aid so it would beworth at about132K with his figures.This would put us at around $162K for their education. (this option + personal 529)


Which of these would you suggest? I'm not fond of option #1but won't throw it out until I hear others opinions. I'm leaning towards #2. That way if the kids don't go to college, don't need all the funds, etcthe money can be redistributedelsewhere. For #3, is there any advantage w/ having them managea 529 versus mejust sticking with the personal 529s already created?
Any other options that we should look at besides these 3?
Investing Deals
g: 8 Posted By: archena
Views: 1317 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Personal Best - How Ordinary People Achieve Extraordinary Success and How You Can Too [Kindle Edition] was $9.99

Barry Duddy (Author)

http://www.amazon.com/gp/product/B009NMC3FQ

Publication Date: October 6, 2012

Publisher: Vencape Publishing

11 Reviews ★★★★★

#7 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Motivational

Personal Best is the ultimate motivational book, with contributions from over two hundred successful people Personal Bestserves as a powerful personal transformation and self help tool, that gives you not only an understanding of the characteristics of highly effective people, but direct, easy-to-implement strategies that you can employ to realise instant self improvement .

Personal Best provides inspirational insights and motivational success stories from global achievers to assist you to reach your full potential in business and in life. After extensive research, interviewing and testing the motivational methods of leaders in business, sports, science, politics and management - the key tools to making positive change were identified and are made clear .

As well as gaining an understanding of the personal transformation strategies employed by those that have achieved notable success, you will also begin to understand why you do what you do, what your drivers are and how you can harness your mindset to make quantum leaps forward in any area of your life.

Personal Best explores:
The myth of natural talent and why intelligent action will win every time.
The secret power strategies that have worked for the worlds most successful CEOs, greatest athletes and leaders.

How to rid yourself of the fears that stop you getting what you want and what you the one area in your life you must be clear about, if you are to reach your potential.

The ethos of Personal Best is that each of us, by making minor, personal improvements, can bring about massive success quickly and sustainably. Your life is about private and personal victories, and if you commit to continuous self improvement, you will make progress and gain pride in the personal success of having done something you have never achieved before. Personal Best can be the cornerstone to incredible achievement.

Personal Best gives you immediate access to the thinking and key strategies of the worlds best thinkers and achievers. The motivational stories and inspirational quotes allow you to understand not only the thinking of successful people but how you can replicate that success as part of your own journey of personal development and self improvement.

The uniqueness of Personal Best as a personal development guide is that the ideas and themes shared are not provided by one person or with a focus on one particular market, but draw on the lessons from high flyers from a wide range of backgrounds, all of whom have shown similar qualities in achieving their aims.
Totally Free Deals
Government shutdown - Travel Insurance?
Added on : Wednesday October 02nd 2013 05:00:09 PM
g: 0 Posted By: woolooloo
Views: 22 Replies: 0 We're about to head to Hawaii for about 10 days. I would normally never consider travel insurance, but does anyone know the likelihood the government shutdown could affect airline travel, such as completely shuttering the FAA? I know they've already furloughed FAA safety inspectors, if there is an accident linked to this, could they shut down all travel until they put a funding plan in place? Hawaii is a pretty expensive place to get stuck, I'm just wondering if investing in travel insurance might make sense under the circumstances or if the FAA is certain to remain operational. Thoughts?
Hawaii Deals
g: 1 Posted By: archena
Views: 165 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Personal Best - How Ordinary People Achieve Extraordinary Success and How You Can Too [Kindle Edition] was $9.99

Barry Duddy (Author)

http://www.amazon.com/gp/product/B009NMC3FQ

Publication Date: October 6, 2012

Publisher: Vencape Publishing

11 Reviews ★★★★★

#7 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Motivational

Personal Best is the ultimate motivational book, with contributions from over two hundred successful people Personal Bestserves as a powerful personal transformation and self help tool, that gives you not only an understanding of the characteristics of highly effective people, but direct, easy-to-implement strategies that you can employ to realise instant self improvement .

Personal Best provides inspirational insights and motivational success stories from global achievers to assist you to reach your full potential in business and in life. After extensive research, interviewing and testing the motivational methods of leaders in business, sports, science, politics and management - the key tools to making positive change were identified and are made clear .

As well as gaining an understanding of the personal transformation strategies employed by those that have achieved notable success, you will also begin to understand why you do what you do, what your drivers are and how you can harness your mindset to make quantum leaps forward in any area of your life.

Personal Best explores:
The myth of natural talent and why intelligent action will win every time.
The secret power strategies that have worked for the worlds most successful CEOs, greatest athletes and leaders.

How to rid yourself of the fears that stop you getting what you want and what you the one area in your life you must be clear about, if you are to reach your potential.

The ethos of Personal Best is that each of us, by making minor, personal improvements, can bring about massive success quickly and sustainably. Your life is about private and personal victories, and if you commit to continuous self improvement, you will make progress and gain pride in the personal success of having done something you have never achieved before. Personal Best can be the cornerstone to incredible achievement.

Personal Best gives you immediate access to the thinking and key strategies of the worlds best thinkers and achievers. The motivational stories and inspirational quotes allow you to understand not only the thinking of successful people but how you can replicate that success as part of your own journey of personal development and self improvement.

The uniqueness of Personal Best as a personal development guide is that the ideas and themes shared are not provided by one person or with a focus on one particular market, but draw on the lessons from high flyers from a wide range of backgrounds, all of whom have shown similar qualities in achieving their aims.
Totally Free Deals
g: 0 Posted By: archena
Views: 87 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Got A Bad Boss? Work That Boss to Get What You Want at Work [Kindle Edition] was $7.99

Noelle Nelson (Author)

http://www.amazon.com/dp/B00F80BKEW

Publication Date: September 15, 2013

Publisher: MindLab Publishing LLC

3 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides


Got A Bad Boss? is for the legions of unhappy employees who have a Bad Boss--those bosses who inflict misery and abuse on too many employees who aren't in a position to quit. It's a practical step-by-step guide to making yourself valuable to a Bad Boss instead of cringing, screaming, or going crazy; to take control of your job and your career even if your Bad Boss is a raving lunatic, narcissist or just plain incompetent.

(Check out the book trailer at http://youtu.be/Xt-XEFjzJ68)

How? By discovering your Bad Boss's secret desire and secret fear--which then gives YOU the secret to "working your boss to get what you want at work.

Not only that, but youve got strengths--work strengths embedded within your Employee Type--that you can use to make yourself valuable, to leverage your way to success no matter how bad your Bad Boss is.

Thats what Got A Bad Boss? gives you: strategies and techniques specific to working each type of Bad Boss, from Finger Pointer Boss to Incompetent Boss to Egomaniacal Boss and more--using your particular work-strengths--whether youre an Ambitious Employee, Hyper Sensitive, Pleaser or Impatient as all heck.
Books & Magazines Deals
g: 0 Posted By: DrewR
Views: 66 Replies: 0 I just started a new job this week. Company is small (8 employees) and offers a simple IRA with employer match. I have a Roth IRA already but wanted to participate to at least get the company match.

So the rep for our simple IRA came in to meet me today. He is with Morgan Stanley and his title is Certified Financial Planner - Financial Advisor. While talking with him, he indicated multiple times that the only purpose of today's meeting was to get enrolled, so I could start taking advantage of the company match. He said we would have to meet again to discuss my needs, my goals, college saving for my son, etc.

When I asked him about the investment options (I'm mainly looking for low cost, target date index funds) I was basically stonewalled and told that we would need to discuss that later. Then he told me that he wanted to build up 10K in cash reserves in my account before investing anything because it would allow me to be more diversified. This seems like a big red flag me, but I wanted to get FWF input. Thoughts?
Personal Finance Deals
Online free portfolio trackers
Added on : Wednesday September 25th 2013 04:00:11 AM
g: 0 Posted By: pkadish
Views: 4 Replies: 0 How to track my portfolio online? And free. What is the best one?
Investing Deals
What to do with small windfall
Added on : Monday September 23rd 2013 02:00:11 PM
g: 0 Posted By: protomenace
Views: 108 Replies: 4 I was pleasantly surprised recently to learn that I will be receiving a pretty nice income boost and a pretty decent sized one time payment. I'm not sure what exactly I should do with the money. I have some debt, but the interest rates are not that high for some of the debt. I'm basically weighing my options of paying off the debt vs investing the cash. I'm not exactly sure what the tax details of the one time payout will be, but I'm fairly certain it will be treated as regular income. What does FWF think?

Here are the details:

Monthly Income (post payroll deductions):
Currently: $4170
Soon to become: $5338

One time income (pre-tax): around $37500

Debt:
Student loans:

10000 @ 6.549%
4200 @ 5.35%
5000 @ 4.25%
5000 @ 3.15%

Car loan:
15000 @ 1.5%

Assets:
Liquid: $9500
Roth IRA: $8500
Other stocks: $3500

Monthly Expenses:
Rent: $895
Transportation:$250
Utilities: $150
Auto Insurance:$139
Food: $300
Roth IRA contributions:$458
Cell phone:$60
Total: $2252







Personal Finance Deals
g: 10 Posted By: archena
Views: 1486 Replies: 3 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Body Language (Unmasked: A Revealing Look at the Fascinating World of Body Language 1) [Kindle Edition] was $8.99

Craig James Baxter (Author)

http://www.amazon.com/dp/B00C1KXRXY

Publication Date: March 25, 2013

Publisher: www.all-about-body-language.com

10 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job Hunting

#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Psychology & Counseling > Social Psychology & Interactions

Why You Should Read This Book!

If you have ever been interested in the fascinating world of body language and human behaviour, then this book is for you. Craig James Baxter has developed this useful, practical guide which will help you to become more adept at interpreting the gestures and behaviour of others. It will also help you to improve and refine your own body language to enable you to experience greater success both at work and in your relationships with others.

Craig will show you the importance of establishing baseline behaviours in the person whose body language you are observing so that you can be aware of when they are experiencing issues. He educates you on how to avoid certain pitfalls when reading body language and highlights how there are many surprising cultural differences that exist when analysing gestures. Through the use of case studies, Craig shows you how you can read the non-verbal behaviour of others in order to establish the truth in certain difficult situations.

Whether you are a student or just want to learn more about human behaviour, there is something in this book for everyone.

This is the second book by Craig James Baxter - his first, Behind The Mask: What Michael Jackson's Body Language Told The World, was an international number 1 bestseller in its category on Amazon in the UK, USA, France, Germany and Italy.


Books & Magazines Deals
-Roth IRA Recharacterization Reversal
Added on : Sunday September 22nd 2013 02:00:07 PM
g: 0 Posted By: artnews
Views: 41 Replies: 0 Ok, what a mess. I will try to briefly explain below and I pretty much blame myself for it but a bit of advise will be greatly appreciated.
1. I realized that contributions to Roth IRA are limited after a family of two hits a certain income mark.
2. For 2012 both me and wifey maxed out our Roth with Vanguard.
3. So I realized (or so I thought) that we shouldn't have contributed at all and called Vanguard and did aRecharacterization, basically put our 5K each from the Roth to Traditional IRAs we have.
4. Then a week later I realized (my accountant pointed it out) that we are actually 3K under the income limit so this whole operation was pointless.
5. Now I need to call Vanguard and try to reverse what I did otherwise we need to file a 2012 amendment and that could always have the IRS look into you which obviously is annoying.
6. So I am yet to find out if I am even allowed to reverse this, but has anybody experienced this or has any advice on how to deal with this and the IRS and all this transactions.

Thank you!
Investing Deals
g: 0 Posted By: archena
Views: 91 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Body Language (Unmasked: A Revealing Look at the Fascinating World of Body Language 1) [Kindle Edition] was $8.99

Craig James Baxter (Author)

http://www.amazon.com/dp/B00C1KXRXY

Publication Date: March 25, 2013

Publisher: www.all-about-body-language.com

10 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job Hunting

#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Psychology & Counseling > Social Psychology & Interactions

Why You Should Read This Book!

If you have ever been interested in the fascinating world of body language and human behaviour, then this book is for you. Craig James Baxter has developed this useful, practical guide which will help you to become more adept at interpreting the gestures and behaviour of others. It will also help you to improve and refine your own body language to enable you to experience greater success both at work and in your relationships with others.

Craig will show you the importance of establishing baseline behaviours in the person whose body language you are observing so that you can be aware of when they are experiencing issues. He educates you on how to avoid certain pitfalls when reading body language and highlights how there are many surprising cultural differences that exist when analysing gestures. Through the use of case studies, Craig shows you how you can read the non-verbal behaviour of others in order to establish the truth in certain difficult situations.

Whether you are a student or just want to learn more about human behaviour, there is something in this book for everyone.

This is the second book by Craig James Baxter - his first, Behind The Mask: What Michael Jackson's Body Language Told The World, was an international number 1 bestseller in its category on Amazon in the UK, USA, France, Germany and Italy.


Books & Magazines Deals
Key Point about Fed Announcement
Added on : Wednesday September 18th 2013 04:00:10 PM
g: 0 Posted By: dshibb
Views: 180 Replies: 2 Here's an uncharacteristically short post from me.

I thought maybe some people could benefit from some good context on the Fed decision today.

1) Many people don't talk about this much, but whenever Bernanke brought up tapering the part that bothered investors the most wasn't that he mentioned a reduction in asset purchases, but instead that every time he did he talked about a summer 2014 end date for QE in it's entirety. Being less than a year away from QE ending entirely spooked investors.
2)In case you didn't already know Larry Summers(who has voiced some pretty hawkish views) is out of the running for Fed chair. That largely leaves 2 mentioned candidates left who are arguably as dovish if not more dovish than Bernanke. Janet Yellen and Donald Kohn. Of course there is always the chance of a dark horse, but given Obama's proclivities likely a dovish candidate either way.

Now it looks like there will be no tapering in 2013 which means that it will have to be initiated by Bernanke's replacement which given who's left is likely going to be less inclined to do it as quickly.

Also, *they are not going to start tapering and then end QE only a couple months later.** If hypothetically they start tapering in the spring, they wont be done with QE until at least the fall of 2014, but odds are that this decision puts the end of QE beyond January 2015.

If you believe that QE is a pretty powerful force for markets that kind of move in timeline(from potentially summer of 2014 into likely well into 2015 maybe longer) is a pretty damn bullish for the time being.Now that should still be weighed against moderately overvalued equity prices and other things going on around the world, but this announcement is at least as significant as Draghi's "unlimited money" statement back in 2012 for the Eurozone.
Investing Deals
Key Point about Fed Tapering
Added on : Wednesday September 18th 2013 03:00:07 PM
g: 0 Posted By: dshibb
Views: 7 Replies: 0 Here's an uncharacteristically short post from me.

I thought maybe some people could benefit from some good context on the Fed decision today.

1) Many people don't talk about this much, but whenever Bernanke brought up tapering the part that bothered investors the most wasn't that he mentioned a reduction in asset purchases, but instead that every time he did he talked about a summer 2014 end date for QE in it's entirety. Being less than a year away from QE ending entirely spooked investors.
2)In case you didn't already know Larry Summers(who has voiced some pretty hawkish views) is out of the running for Fed chair. That largely leaves 2 mentioned candidates left who are arguably as dovish if not more dovish than Summers. Janet Yellen and Donald Kohn. Of course there is always the chance of a dark horse, but given Obama's proclivities likely a dovish candidate either way.

Now it looks like there will be no tapering in 2013 which means that it will have to be initiated by Bernanke's replacement which given who's left is likely going to be less inclined to do it as quickly.

Also, *they are not going to start tapering and then end QE only a couple months later.** If hypothetically they start tapering in the spring, they wont be done with QE until at least the fall of 2014, but odds are that this decision puts the end of QE beyond January 2015.

If you believe that QE is a pretty powerful force for markets that kind of move in timeline(from potentially summer of 2014 into likely well into 2015 maybe longer) is a pretty damn bullish for the time being.Now that should still be weighed against moderately overvalued equity prices and other things going on around the world, but this announcement is at least as significant as Draghi's "unlimited money" statement back in 2012 for the Eurozone.
Investing Deals
Online brokers Interactive Broker vs Option House or Trade Station
Added on : Wednesday September 18th 2013 12:00:06 PM
g: 0 Posted By: kd7539
Views: 120 Replies: 1 Stock commissions:
Interactive Brokers $1 per 100 shares .0035 or flat rate $.005 per share
Option House flat fee $3.95 also 100 free trade promotion with 5k account
Trade Station $.01 for 500 shares, .006 afterwards

Is IB worth trading with if you're trading more than 500 shares per trade? In the demo order executions and commissions were charged on partial fills and were separate charges even though only one order to buy or sell was entered. Is this typical of IBs commission structure or is this an error in the demo? I placed a few limit order trades in the demo. The orders were for 500-5000 shares and were not specified as all or non so having a split execution was expected. The fill costs seemed to avg .005 a share. 1 limit order to purchase 500 shares avg 2-5 partial fills at $2.5+ a trade, 2500 shares avg $12.50+ vs expected 9.4 $100 shares + .0035 x2400 shares, 5000 share orders avg commission was $25. I had different ranges in the partial commissions and fills which were $.50-$1 a fill, for some reason some were 0 commission while another partial fills from the same exchange and same size were $1. IB also charges for modified and cancelled orders (there is no specified amount on the IB fee page just that the associated exchange fees are passed to the customer). I think the cancellation-modification fee is $1-2 per order also there might be a possibility that modification/cancellation fees can be waived if you reach a monthly trade quota. So if you only get a partial fill on your 500-800 share order you may be at about the same price as Option House (does not charge for modification) and a few other flat fee $5 brokers. Most of the sub $5 commission brokers charge basic monthly fees. IB charges addiontal fees some can be waived if a trade quota is met others are just standards. In all likely hood I'll be paying monthly fees. I've read good things about IB but at the end of the month how much cheaper is it? It seems very dependent on your fills and commission costs and number of trades. It seems if you trade more than 2-3x a day or 10x a week and the majority of trade sizes are 100-1000ish share range than IB is probably the best broker if you trade more than 1000-2000 share range other brokers might be more competitive and IB would be for adding to your position size and keeping a majority of your portfolio and positions at another firm

Trade Station does not offer a demo but I called and spoke to a representative and he said that the commissions and executions are charged once based on the position size. Also No charge for unexecuted or cancelled shares. They offer free TradeStation and Radar Screen until 2014 which I think is access to their basic platform and screener, TS has been around for a very long time

Option House- geared toward options, but can trade stocks, there's no demo the platform seems ok reviews are avg. They seem like a hat toss probably save $1-2 on the trade commision when you'll get worse fills that cost you more in the end. Seems like OH needs more improvement than IB or TS
Investing Deals
Fidelity 401k - Help me learn about funds
Added on : Wednesday September 18th 2013 11:00:07 AM
g: 0 Posted By: BenH
Views: 52 Replies: 2 I admit I am really a neophyte when it comes to investing. I'm pretty shrewd with my money, I save, I invest - but for the most part I have no idea what I am doing investing.
Because of this I had always let me father or an adviser pick my funds. Most of my money is with a private advisory firm who, although I pay a management fee to, is doing a pretty decent job.

I would like to understand more - but it is pretty intimidating where to start. I'm not looking to become a market master, but would like to understand the advantages/disadvantages of the major choices.
I'm sure there are many others here like me, who may not care to admit it, but probably also are pretty clueless on this stuff.

I've done some reading here and there, but nothing that really presents a holistic, from the ground up approach. I thought maybe I could take a real world example and allow members of the FWF community to offer advise, and allow me and others to ask questions/debate the advise to better understand.

I thought I would use my current 401k with my company through Fidelity. I get a match, so I think it would be foolish not to invest here at least up to match (though I am funding my full yearly amount).

So, since I am "stuck" with this 401k plan and the investment choices shown below, I need to know what to pick.

I know there is not a single right answer, but I'm hoping someone can throw out some options, as to reasons why they would be good picks to begin a discussion on simply learning more about funds, the right questions to ask, and how to make the best decisions possible.

Fund Choices:
Name/Inception Date Asset Class Category 1 Year 3 Year 5 Year 10 Year/LOF* Returns As Of FA CONS Staples A (FDAGX) Stock Investments Large Cap 13.54% 17.06% 10.11% 11.42% 8/31/2013 FA CONSUMER DISC A (FCNAX) Stock Investments Large Cap 25.67% 22.52% 12.99% 7.65% 8/31/2013 FA DIVIDEND GROWTH A (FADAX) Stock Investments Large Cap 19.35% 16.80% 7.99% 5.80% 8/31/2013 FA EQUITY INCOME A (FEIAX) Stock Investments Large Cap 20.21% 18.11% 5.89% 6.35% 8/31/2013 FA INDUSTRIALS A (FCLAX) Stock Investments Large Cap 26.00% 20.00% 9.37% 12.13% 8/31/2013 FA LARGE CAP A (FALAX) Stock Investments Large Cap 27.07% 21.39% 10.19% 8.02% 8/31/2013 FA NEW INSIGHTS A (FNIAX) Stock Investments Large Cap 17.27% 16.81% 7.25% 10.04% 8/31/2013 FA LEV CO STOCK A (FLSAX) Stock Investments Mid-Cap 32.06% 22.08% 6.18% 12.10% 8/31/2013 FA STK SEL MID CAP A (FMCDX) Stock Investments Mid-Cap 20.95% 17.65% 6.59% 7.54% 8/31/2013 LD ABBETT VAL OPP A (LVOAX) Stock Investments Mid-Cap 25.41% 16.24% 9.10% 10.49% 8/31/2013 FA SMALL CAP A (FSCDX) Stock Investments Small Cap 25.39% 14.00% 6.91% 9.24% 8/31/2013 PERKINS SM CAP VAL S (JISCX) Stock Investments Small Cap 19.02% 12.54% N/A 14.99% 8/31/2013 FA OVERSEAS A (FAOAX) Stock Investments International 21.52% 10.75% 1.81% 6.83% 8/31/2013 MUTUAL GBL DISCVRY A (TEDIX) Stock Investments International 18.26% 11.64% 6.75% 10.07% 8/31/2013 OPPHMR DEV MKTS A (ODMAX) Stock Investments International 5.67% 5.23% 6.19% 16.27% 8/31/2013 FA BIOTECHNOLOGY A (FBTAX) Stock Investments Specialty 49.16% 40.43% 18.75% 12.57% 8/31/2013 FA COMM EQUIP A (FDMAX) Stock Investments Specialty 19.79% 7.56% 4.47% 5.46% 8/31/2013 FA ELECTRONICS A (FELAX) Stock Investments Specialty 18.00% 16.47% 7.72% 3.22% 8/31/2013 FA ENERGY A (FANAX) Stock Investments Specialty 16.75% 16.10% -0.29% 12.31% 8/31/2013 FA FINANCIAL SVCS A (FAFDX) Stock Investments Specialty 25.12% 12.19% 0.66% 0.16% 8/31/2013 FA GOLD A (FGDAX) Stock Investments Specialty -38.67% -18.58% -4.31% 4.78% 8/31/2013 FA HEALTH CARE A (FACDX) Stock Investments Specialty 35.53% 27.99% 14.31% 10.57% 8/31/2013 FA MATERIALS A (FMFAX) Stock Investments Specialty 15.54% 16.00% 8.15% 13.55% 8/31/2013 FA REAL ESTATE A (FHEAX) Stock Investments Specialty -0.40% 12.51% 5.53% 9.95% 8/31/2013 FA TECHNOLOGY A (FADTX) Stock Investments Specialty 11.50% 16.06% 10.93% 7.67% 8/31/2013 FA TELECOMM A (FTUAX) Stock Investments Specialty 12.69% 13.24% 7.66% 8.03% 8/31/2013 FA UTILITIES A (FUGAX) Stock Investments Specialty 12.15% 12.59% 5.16% 9.91% 8/31/2013 PIMCO STKPLUS SS A (PSSAX) Stock Investments Specialty -16.66% -15.29% -5.69% -2.35% 8/31/2013 JPM RSCH MKT NTRL A (JMNAX) Stock Investments Income 0.90% -1.16% 1.13% 1.92% 8/31/2013 FA FREEDOM 2005 A (FFAVX) Blended Investments N/A 4.56% 7.11% 4.21% 4.49% 8/31/2013 FA FREEDOM 2010 A (FACFX) Blended Investments N/A 6.30% 8.46% 4.94% 5.09% 8/31/2013 FA FREEDOM 2015 A (FFVAX) Blended Investments N/A 6.49% 8.66% 4.81% 5.16% 8/31/2013 FA FREEDOM 2020 A (FDAFX) Blended Investments N/A 7.45% 9.67% 4.57% 5.52% 8/31/2013 FA FREEDOM 2025 A (FATWX) Blended Investments N/A 9.62% 10.89% 4.92% 5.42% 8/31/2013 FA FREEDOM 2030 A (FAFEX) Blended Investments N/A 10.30% 11.35% 4.43% 5.65% 8/31/2013 FA FREEDOM 2035 A (FATHX) Blended Investments N/A 12.35% 12.22% 4.62% 5.41% 8/31/2013 FA FREEDOM 2040 A (FAFFX) Blended Investments N/A 12.54% 12.38% 4.52% 5.88% 8/31/2013 FA FREEDOM 2045 A (FFFZX) Blended Investments N/A 13.16% 12.69% 4.52% 3.55% 8/31/2013 FA FREEDOM 2050 A (FFFLX) Blended Investments N/A 13.27% 12.89% 4.36% 3.38% 8/31/2013 FA FREEDOM 2055 A (FHFAX) Blended Investments N/A 13.89% N/A N/A 6.00% 8/31/2013 FA FREEDOM INC A (FAFAX) Blended Investments N/A 2.19% 4.63% 4.16% 3.91% 8/31/2013 PIM ALL A ALL AUTH A (PAUAX) Blended Investments N/A -2.42% 3.50% 5.58% 5.52% 8/31/2013 BLKRK INFL PROTECT A (BPRAX) Bond Investments Income -6.53% 3.11% 4.00% 5.34% 8/31/2013 FA GOV INCOME A (FVIAX) Bond Investments Income -3.29% 1.48% 3.84% 4.24% 8/31/2013 FA SHORT FIXED INC A (FSFAX) Bond Investments Income 0.25% 1.33% 2.39% 2.27% 8/31/2013 PIM TOTAL RETURN A (PTTAX) Bond Investments Income -1.98% 3.02% 6.45% 5.76% 8/31/2013 TMPL GLOBAL BOND A (TPINX) Bond Investments Income 3.09% 4.87% 8.68% 9.36% 8/31/2013 FID PRIME FUND (FDAXX) Short-Term Investments N/A 0.01% 0.01% 0.20% 1.55% 8/31/2013
I'm hoping it will just take off from here....

Please remember, don't just throw out a fund, provide reasons why one should go with, or definitely stay away from a fund, etc.

thx.
Investing Deals
Fund/ETF for diversification without changing investment strategy?
Added on : Monday September 16th 2013 04:00:06 AM
g: 0 Posted By: IStillPickUpPennies
Views: 79 Replies: 1 Over the past ~8 years or so, I've been directing my own Roth IRA. I invest mostly in stocks. I typically invest in companies on bad news - I see something in the news, see that the stock price has nosedived, and then do a bit of research. If the stock seems to have become oversold on panic, I get interested. I bought BP when they had the oil well blowout, later got Netflix cheaply, and have done well with several others too. Of course, I've had some losses where my calculations and gut feelings didn't go my way, or I wasn't as patient as I should have been. I'm not exactly sure what this investment strategy might be called - it sounds kind of like extreme value investing, or maybe contrarian investing?

I still have a strong stomach for risk, but I don't want to spend as much time doing homework and watching the stocks. I was wondering, does there happen to be a mutual fund or ETF that follows a similar strategy - buying stocks only on bad news, when they become oversold much more than the numbers would actually seem to support selling. Then, holding for up to several years in the hope that the stock buying public will eventually see that things weren't really so bad.

Is there a specific name for this strategy, and if so, are there funds or ETF's that follow it? If so, I think it could not only help me diversify, but it could also give me a great place to automatically invest dividends from other stocks I have.

Thanks so much!
Investing Deals
Unheard of 401K administrator
Added on : Sunday September 15th 2013 04:00:06 AM
g: 0 Posted By: FWaddiction
Views: 23 Replies: 0 Background: previous job had 401k with Prudential Retirement. New job has 401K (yet to enroll) with John Hancock (linky). I had never heard of it until now. But then Finance is not my strongest skill. I dont really have an option. John Hancock 401K it is! What do I do with the money sitting in Prudential? Roll over to John Hancock? Is it a reputable company to deal with? Or keep it at Prudential? Do I incur charges for changing/monitoring if I do so? Not sure if the amount matters but its a PLUM.
Investing Deals
Motif Investing and a Rock Solid Portfolio
Added on : Saturday September 14th 2013 07:00:11 AM
g: 0 Posted By: jacobhorne
Views: 50 Replies: 0 I recently opened a Motif account, I am looking for a investments that return (2-5%) with relatively low risk. Short: A very conservative portfolio/soid. I plan on investing and letting the money sit for the long haul.

Any ideas, Spyders? Treasury Bonds?

Thansk.

I am 28, 30yr timeline.
Investing Deals
g: 0 Posted By: bigdinkel
Views: 80 Replies: 2 http://www.businessinsider.com/floyd-mayweather-has-123-million-bank-account-2013-9

So what does the Super Rich do with that much money? I know Money Mayweather has millions in cash lying in his house and has a lot of investments in himself and boxing promotions, but what is the best way to diversify that much cash?
Investing Deals
About 15 Free Kindle Books
Added on : Saturday September 07th 2013 10:00:10 AM
g: 1 Posted By: remick
Views: 234 Replies: 0 Free at the time of posting

CajunCuisineandMoreVolume1:GreatRecipes,InspiringStoriesandCajunHumor[KindleEdition]
http://www.amazon.com/gp/product/B00876UX06

Dips:Top25FavoriteDips[KindleEdition]
http://www.amazon.com/dp/B009QEDT8Q


JunieMoonRising[KindleEdition]
http://www.amazon.com/dp/B00CA6BN7Q

TheSlaveryofFlight[KindleEdition]
http://www.amazon.com/The-Slavery-of-Flight-ebook/dp/B001VEI87Q

TheNote[KindleEdition]
http://www.amazon.com/The-Note-ebook/dp/B006YKF7GW

LITTLEHOTMAMA-TheFlossieTurnerLewisStory[KindleEdition]
http://www.amazon.com/dp/B003UD7VOC

WhoIsSantaClaus?AHistoryofSt.Nicholas,theChristmasTree,andtheThreeWiseMen[KindleEdition]
http://www.amazon.com/dp/B00AARNEN8


FINANCIALCENTS:HOWTOSURVIVEINAHIGHDOLLARWORLDWhatEveryPersonShouldKnowANDTellTheirChildren.[KindleEdition]
http://www.amazon.com/FINANCIAL-CENTS-SURVIVE-Children-ebook/dp/B008Z4HXL2

HaveYouGoogledYourselfLately?(OnlineReputationManagement)[KindleEdition]
http://www.amazon.com/gp/product/B00E4X365A

TheBestofWarrenBuffett:LessonsforLifeChangingSuccess(WarrenBuffett,BerkshireHathaway,FinancialEducation,RichDad,Business,Shareholders,Billionaire,BusinessInvesting)[KindleEdition]
http://www.amazon.com/The-Best-Warren-Buffett-ebook/dp/B00EFYQK7Y

TheBestofBillGates:TheMicrosoftBillionaire'sLessonsforLifeChangingSuccess(BillGates,Microsoft,SteveJobs,PaulAllen,Billionaire,business,software,wealthiestperson,MelindaGates)[KindleEdition]
http://www.amazon.com/The-Best-Bill-Gates-ebook/dp/B00EII9V5U

The Best of Oprah Winfrey: Lessons for Life Changing Success (Oprah Winfrey, Oprah's Life Class, Oprah Winfrey Show, Oprah Winfrey Network, Oprah Book Club, Oprah Magazine)=16px[Kindle Edition
http://www.amazon.com/The-Best-Oprah-Winfrey-ebook/dp/B00EGSAWAK

ThePowerofHabit:TheSimpleSystemofHowToReprogramYourMindForSuccess(HowtoLists)[KindleEdition]
http://www.amazon.com/dp/B00E9ZWG0O

PsychologyStudentGuide[KindleEdition]
http://www.amazon.com/dp/B009ZC2UOS


Seedsaving-Tips&Techniques:allyouneedtoknowforseedsaving(doctorgardenbookscollection3)[KindleEdition
]http://www.amazon.com/dp/B00AFCBDY0

YouWillSeeYourBabyInHeaven:AMan'sPerspectiveofStillbirth[KindleEdition]
http://www.amazon.com/gp/product/B00DNGSXG6

THEWINTERBARBEQUE[KindleEdition]
http://www.amazon.com/dp/B0044UHVBS
Books & Magazines Deals
Fatwallet.com IPO
Added on : Thursday September 05th 2013 01:00:08 PM
g: -2 Posted By: Soriano4life
Views: 206 Replies: 5 I would love to see fullofdeals.com come up with an ipo. What you guys and gals think about it.
Investing Deals
Investment club - with active money management?
Added on : Wednesday September 04th 2013 07:00:05 PM
g: 0 Posted By: nidm
Views: 59 Replies: 0 I am looking to form a LLC to invest into stock,ETF and other security. Not yet, but may include real estate later. The idea is to put in seeds money from a few close friends and open the membership to other investors. only one or two persons do the active trading,the others will be general investor and a fee will be charged (for example 0.5% annually)

I am wondering whether investment club is the right model to follow? The big different is that investment club looks like a learning group, but I am focusing on professional money management
Investing Deals
g: 0 Posted By: archena
Views: 158 Replies: 0 Did not see this posted please lock if repost.

Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

50 Ways to Protect Your Identity in a Digital Age: New Financial Threats You Need to Know and How to Avoid Them (2nd Edition) [Kindle Edition] was $25.99

Steve Weisman (Author)

http://www.amazon.com/dp/B009PM8XOY

Publication Date: October 10, 2012

Publisher: FT Press

55 Reviews ★★★★.5

#1 in Kindle Store > Kindle eBooks > Business & Investing > Finance > Finance & Investing

It is better to stop identity theft from happening in the first place than have to fix or repair the situation afterwards. Steve Weisman reveals the threats of new identity theft attacks based on use of Facebook, iPad, iPhone, Android, cloud apps, iPod, and other new technologies -- and shows you how to protect yourself, or how to fix the damage if you've already been attacked! Discover why ID theft is more dangerous than ever, and discover today's most dangerous new threats -- including attacks targeting medical records, personal finance and online banking sites, the elderly, and military service members. Meet the hackers and organized crime groups who want to steal your identity and money -- and learn how to protect your data and your life! Step by step, Weisman shows how to avoid risks, minimize risks you can't completely avoid, and immediately take the right steps if you're ever victimized. He objectively reviews new products and services that promise to fight identity theft, and previews emerging dangers, such as RFID credit cards. If you use a computer, the Internet, a smartphone, cell phone, tablet, or any other communications device, 50 Ways to Protect Your Identity in a Digital Age isn't just an indispensable wake-up call: it's the world's best resource for protecting yourself!


Protect Yourself from Todays Dangerous New Forms of Identity Theft!
● Prevent new ID attacks via Facebook, smartphones, iPads, Wi-Fi, and the cloud
● Offers todays best techniques for fixing damage after youve been attacked
● Objectively reviews products that claim to help you prevent identity theft

Identity theft is more dangerous than ever! The bad guys are smarter, more sophisticated, more organized--and as we live more of our lives online, were exposing far more personal information to them. Now, identity theft expert Steve Weisman reveals todays worst new threats and helps you systematically reduce your vulnerabilities.

Weisman shows how social media, mobile devices, and the cloud have created major new dangers and how groups ranging from local hackers to foreign organized crime syndicates are exploiting them. He offers indispensable new guidance for avoiding risks, minimizing risks that cant be completely avoided, and quickly halting the damage after an attack.

Packed with checklists, sample letters, and other practical tools, this is todays one indispensable guide to protecting what matters most: your identity!

Includes exclusive must-read information about new attacks on
● Senior citizens
● Children
● Military service members
● Anyone whos recently visited a doctor or hospital

About the Author
Steve Weisman hosts the radio show A Touch of Grey, syndicated to 50+ stations nationwide, including WABC (NYC) and KRLA (LA). A senior lecturer at Bentley College, he is a member of the National Academy of Elder Law Attorneys and is admitted to practice before the U.S. Supreme Court. The legal editor for Talkers Magazine and a monthly columnist for the American Institute of Economic Research, he writes for publications ranging from The Boston Globe to Playboy and earned an ABA Certificate of Merit for excellence in legal journalism. His books include The Truth About Avoiding Scams, featured on Dr. Phil and CNN. Weisman holds a J.D. degree from Boston College Law School. He also operates the website www.scamicide.com, which provides the latest information on scams and identity theft.
Books Deals

Amazon Coupons
One More Question - Mutual Funds
Added on : Monday September 02nd 2013 07:00:11 PM
g: 0 Posted By: hurricanedarby
Views: 106 Replies: 1 My company offers a discount on mutual funds (no sales charge) so I moved my savings into that last Feb. It has been doing good (about a 10% return) but I don't know the first thing about investing so I'm not sure if there are better options I'm passing up. It's only about $5k but I'm putting in $500 a month. Thanks!
Question Deals
Simple question. Can I pull out principle out of my Roth IRA?
Added on : Friday August 30th 2013 02:00:08 PM
g: 0 Posted By: DellFanBoy
Views: 62 Replies: 3 Hi,

I've searched and read way too many blogs on this topic and I can't get a straight answer. I've put money in a Roth IRA back in 2006. I'm currently 29. Any yes/no answers are greatly appreciated!

1) Can I pull out the full principle from the Roth IRA without penalty?
2) if yes, then I will continue putting $5,500 a year and use this as an emergency fund. Is there a time restriction where I won't be able to touch the principle?
3) if I'm pulling out for a house does it matter?
4) can I borrow from an IRA (non roth) or old 401k if I'm not employed by the company?

If the answers to 1 is yes and 2 is no then I've failed as a fatwalleter.

Thanks in advance!
Investing Deals
g: 0 Posted By: archena
Views: 140 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Google Apps Express: The Fast Way To Start Working in the Cloud [Kindle Edition]

James Beswick (Author)

http://www.amazon.com/dp/B004VNVMWW

Publication Date: March 5, 2011

Publisher: One Uproar

20 Reviews ★★★★

#1 inKindle Store > Kindle eBooks > Computers & Technology

#1 inKindle Store > Kindle eBooks > Business & Investing > Industries & Professions > MIS

Google Apps brings the power of the Google platform to your company, school or organization. Throw out costly software licenses and servers and join millions of users in the cloud.

Google Apps Express gives you the fast track to the answers you need:

- Set up Google Apps in minutes and learn everything you need to know to manage your users and domain quickly.

- Get hands-on with each application - Gmail, Calendar, Docs, Sites and Apps - and learn the tricks, tips and shortcuts.

- Access your applications and data from anywhere without any IT or networking knowledge.

- Collaborate with your team in real time and publish your work on webpages and the Internet in seconds.

- Save all your files securely in Googles cloud and never worry about backups again.

Join the cloud computing revolution and reap the benefits of zero-installation software and Internet-based productivity.About the Author James Beswick is an award-winning writer and has a B.Sc. in Management and Computer Science from the University of London. He has worked for a variety of Fortune 500 companies in online project and product management, specializing in implementing web-based technologies to help organizations to maximize their revenue opportunities online. James has written for a range of PC magazines and technology blogs and works as a technology contractor in San Francisco.
Totally Free Deals
g: 2 Posted By: archena
Views: 130 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Business Innovation Insights (Collection) (2nd Edition) (FT Press Delivers Collections) [Kindle Edition] was $122.99

Luke M. Williams (Author), Deepa Prahalad (Author), Robert Brunner (Author), Ravi Sawhney (Author), Jonathan Cagan (Author), Craig M. Vogel (Author)

http://www.amazon.com/dp/B00COGYQOY

Publication Date: April 27, 2013

Publisher: FT Press

No Reviews
#3 inKindle Store > Kindle eBooks > Business & InvestingAn up-to-the-minute collection of techniques for jumpstarting innovation in any market, product, service, or process Hot new ideas for supercharging business innovation in any market, right now: 4 extraordinary books from world-renowned pioneers in all facets of innovation!This 4-book package brings together todays fastest, most powerful, most realistic solutions for jumpstarting innovation -- whatever you sell, whatever industry youre in! Youll discover how to change the playing field, leverage your customers insights and expertise, uncover huge unmet needs, craft great customer experiences, and make innovation repeatable throughout your organization. In Predictable Magic, veteran industrial designer Ravi Sawhney and business strategist Deepa Prahalad introduce a breakthrough approach for systematically creating deep emotional connections between consumers and brands seamlessly integrating corporate strategy with design transcending the utilitarian (or even the beautiful) to build products that powerfully connect, touch, and move people... again and again! Next, in Do You Matter?, legendary industrial designer Robert Brunner (who laid the groundwork for Apples brilliant design language) and Stewart Emery help you use design to consistently create products, services, and experiences that matter to customers lives -- and thereby drive powerful, sustainable improvements in business performance. Through case studies from leaders like Nike, Apple, BMW and IKEA, they introduce design-driven techniques for managing your entire experience chain defining effective design strategies and languages managing design using (and not abusing) research extending design values into marketing and manufacturing encouraging design innovations that open entirely new markets! Then, in Disrupt: Think the Unthinkable to Spark Transformation in Your Business, frog designs Luke Williams shows how to start generating (and executing on) a steady stream of disruptive strategies and unexpected solutions. Williams combines the fluid creativity of "disruptive thinking" with the analytical rigor thats indispensable to business success. The result: a simple yet complete five-stage process for imagining a powerful market disruption, and transforming it into a reality that catches your entire industry by surprise. Finally, in the highly-anticipated Second Edition of Creating Breakthrough Products: Revealing the Secrets that Drive Global Innovation, Jonathan Cagan and Craig Vogel offer an indispensable roadmap for uncovering new opportunities, identifying what customers really value today, and building products and services that transform markets. This edition contains brand-new chapters on service design and global innovation, new insights and best practices, and new case studies ranging from Navistars latest long-haul truck to P&Gs reinvention of Herbal Essence. You know how Crucial innovation has become this 4 book package will help you infuse it throughout your entire organization!From world-renowned business innovation experts Deepa Prahalad, Ravi Sawhney, Robert Brunner, Stewart Emery, Russ Hall, Luke Williams, Jonathan Cagan, and Craig M. Vogel
Books Deals

Amazon Coupons
NY 529 Vs VA
Added on : Friday August 23rd 2013 08:00:08 AM
g: 0 Posted By: samandy
Views: 34 Replies: 0 All,

I live in Virginia and have NY 529 for my sons from nysaves.org by Vanguard. However I won't get any tax deductions as I am in VA.
Does anybody know comparable plan with low expense ratio and index mutual finds in VA? If cost in AV offsets, tax benefit it may not be worth it.
Any suggestions are appreciated!

Thanks!
Andy
Investing Deals
FREE Kindle Book - Stress Management was $30
Added on : Thursday August 22nd 2013 05:00:05 PM
g: 0 Posted By: archena
Views: 394 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Stress Management (An easy to understand book full of tricks and tips to fight against everyday stress and anxiety) [Kindle Edition] was $30

Robert Gallagher (Author)

http://www.amazon.com/dp/B00EAQTKPQ

Publication Date: August 1, 2013

7 Reviews ★★★★★

#1 inKindle Store > Kindle eBooks > Business & Investing > Industries & Professions > Insurance > Health

#2 inKindle Store > Kindle eBooks > Health, Fitness & Dieting > Personal Health > Healthy Living


Amazon BEST SELLER!!!! CHECK THE RANKINGS!!!FOR FREE!!!!!!!!ONLY FOR A FEW DAYS!!!!!BUY NOW!!!!Stressors are everywhere. Each and every day, we run into situations that constantly test us, rob us of our patience, strip us of our sanity, impact our focus, and cause us to lose control of our days.A look in to the book 'How does stress affect our mental health' by Robert Gallagher Stress prevails in our lives, but not everyone knowshow to copewith it. The worst part is that if you leave it untreated, it has the tendency to disrupt your entire life. For this reason, the author, Robert Gallagher, decided tohelp every single readerthrough this amazing book. His book, titled 'How does stress affect our mental health?' presents basic insight in to what stress and anxiety are about, their impact on health and how they can be treated. The author also goes on to provide his intellectual insight into how his readers should deal with stress at work, and the anxieties related with exams. On the whole, the book is more of a guide to everything related to stress. The author has put inyears of researchto present detailed information about the problems in life that trigger stress and make it impossible for people to function normally on a day to day basis. See, the basic fact is that we live in world where we are surrounded by endless issues - issues that take away every bit of happiness from our lives. The only thing that we are left with is unhappiness, and well, 'stress'. For this reason, it is necessary for us to know just what we need to do to be able to cope with it and live a fuller, healthier life and this is just what this book is all about. Through it,you will acquire knowledge about not just natural treatments, but even the changes that you need to make in your lifestyle to get rid of stress.Readers will also get to learn about themedical treatmentsthat are used by psychologists and psychiatrists to help people with extreme levels of stress.STOP THINKING ABOUT IT!!!!BUY NOW!!!!FREE!!! FREE!!! FREE!!!
Books Deals

Amazon Coupons
g: 2 Posted By: archena
Views: 839 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

The Social Media WHY: A Busy Professional's Practical Guide to Using Social Media Including LinkedIn, Facebook, Twitter, YouTube, Pinterest, Google+ and Blogs for Business [Kindle Edition] was $9.99

Crystal Washington (Author)

http://www.amazon.com/dp/B00D7L6D8C

Publication Date: June 4, 2013

Publisher: McCarthy House Press

13 Reviews ★★★★★

#4 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Advertising

#5 in Kindle Store > Kindle eBooks > Computers & Technology > Web Marketing

The Internet and social media have created a new group of Haves and Have-Nots in business. The Haves enjoy a competitive advantage, access to nearly unlimited information, and are pushing the Have-Nots out of leadership roles (and sometimes jobs) in organizations. In The Social Media WHY, marketing strategist and international speaker Crystal Washington dispels the myths surrounding using social media for business and concisely demonstrates the very practical ways that innovative professionals are using social media to become more efficient, effective and connected.
Books & Magazines Deals
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

The Social Media WHY: A Busy Professional's Practical Guide to Using Social Media Including LinkedIn, Facebook, Twitter, YouTube, Pinterest, Google+ and Blogs for Business [Kindle Edition] was $9.99

Crystal Washington (Author)

http://www.amazon.com/dp/B00D7L6D8C

Publication Date: June 4, 2013

Publisher: McCarthy House Press

13 Reviews ★★★★★

#4 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Advertising

#5 in Kindle Store > Kindle eBooks > Computers & Technology > Web Marketing

The Internet and social media have created a new group of Haves and Have-Nots in business. The Haves enjoy a competitive advantage, access to nearly unlimited information, and are pushing the Have-Nots out of leadership roles (and sometimes jobs) in organizations. In The Social Media WHY, marketing strategist and international speaker Crystal Washington dispels the myths surrounding using social media for business and concisely demonstrates the very practical ways that innovative professionals are using social media to become more efficient, effective and connected.
Etrade: Place 45 trades and get $135 rebate
Added on : Monday August 19th 2013 06:00:07 PM
g: 0 Posted By: LongDongSilver
Views: 30 Replies: 0 Not sure if this offer is targeted.

"When you place 45 or more stock or options trades by September 30th, 2013, we'll rebate you $3 per trade on the first 45 trades. That's the same as paying just $6.99 per trade.

GET A $135 REBATE

WHEN YOU PLACE 45 TRADES BY SEPTEMBER 30, 2013

Follow three quick and easy steps to take advantage of this exclusive offer.

STEP 1.Click the Log On button.
STEP 2.Log on as normal (enter your user ID and password).
STEP 3.Click Enroll Now.

To receive the $135 rebate, you must execute at least 45 (stock or options) trades between your date of enrollment and September 30, 2013, the offer expiration date. Your account will be credited within one week of your 45th qualifying trade. Excludes current E*Trade Financial Corporation associates, and non-U.S. residents. This offer is not valid for Unincorporated Organization or E*Trade Bank accounts. One promotion per customer. You must be the original recipient of this offer in order to receive the rebate."

https://us.etrade.com/e/t/jumppage/viewjumppage?PageName=45trade...
Investing Deals
FREE Kindle Book - Supply Chain Network Design was $89.99
Added on : Monday August 19th 2013 09:00:03 AM
g: 0 Posted By: archena
Views: 56 Replies: 1 Supply Chain Network Design: Applying Optimization and Analytics to the Global Supply Chain (FT Press Operations Management) =16px[Kindle Edition] was $89.99Michael Watson (Author), Sara Lewis (Author), Peter Cacioppi (Author), Jay Jayaraman (Author)

Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

http://www.amazon.com/dp/B008Z03RIE

Publication Date: August 20, 2012

Publisher: FT Press
7 Reviews★★★★.5

#1 inKindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations

Using strategic supply chain network design, companies can achieve dramatic savings from their supply chains. Now, experts at IBM and Northwestern University have brought together both the rigorous principles and the practical applications you need to master. Youll learn how to use supply chain network design to select the right number, location, territory, and size of warehouses, plants, and production lines; and optimize the flow of all products through your supply chain even if extends around the globe. The authors present better ways to decide what to manufacture internally, where to make these products, which products to outsource, and which suppliers to use. They guide you in more effectively managing tradeoffs such as cost vs. service level, improving operational decision-making by integrating analytics throughout supply chain management; and re-optimizing regularly for even greater savings. Supply Chain Network Design combines best practices, the latest methods in optimization and analytics, and cutting-edge case studies: everything you need to maximize the value of supply chain network design. For all supply chain executives, managers, strategists, and analysts; and for all students, instructors, and researchers in advanced supply chain management and/or logistics courses.About the AuthorMichael Watson is currently the world-wide leader for the IBM ILOG Supply Chain Products. These products include the network design product, LogicNet Plus XE. He has been involved with this product since 1998 when the product was owned and produced by LogicTools and then sold to ILOG in 2007 prior to being acquired by IBM. During this time, he has worked on many network design projects, helped other firms develop network design skills, and helped shape the direction of the group and product. He is an adjunct professor at Northwestern University in the McCormick School of Engineering, teaching in the Masters in Engineering Management (MEM) program. He holds an M.S. and Ph.D. from Northwestern University in Industrial Engineering and Management Sciences.

Sara Lewis is currently a world-wide technical leader for the IBM ILOG Supply Chain Products. She has run many full-scale network design studies for companies around the world, she has conducted hundreds of training sessions for many different types of clients, leads a popular network design virtual users group, and helps create educational material for network design. She has been involved with this group since 2006 when the network design tool was owned and produced by LogicTools. Prior to LogicTools, she held various supply chain roles at DuPont. She holds a Bachelors degree in Business Logistics and Management Information Systems from Penn State University and is a fre- quent guest lecturer on the topic of network design at several U.S. universities.

Peter Cacioppi is the lead scientist for IBMs network design product, LogicNet Plus XE. He also holds the lead scientist role for IBM's inventory optimization solution. He first began developing network design engines in 1996 as employee number one for LogicTools, a supply chain planning company that was sold to ILOG in 2007 prior to being acquired by IBM. His responsibilities include translating business design issues into formal mathematical problems. His scientific contributions have ranged from developing a targeted network design computational engine to designing both the GUI and the engine for network design multi-objective analysis. He holds an M.S. in Computer Science (with a thesis in Operations Research) from the University of Chicago, and a BA in Computational Physics from Dartmouth College.

Jay Jayaraman currently manages the ILOG Supply Chain and Optimization consulting services team within IBM. This team solves clients most challenging supply chain and optimization business problems. He brings extensive hands-on expertise in supply chain network design and inventory optimization, with projects ranging from large scale, global supply chain network design strategy to implementing production planning and inventory optimization projects at the tactical level. He has successfully led and managed consulting projects for clients around the world and in many different industries such as chemicals, consumer packaged goods, retail, transportation, pharmaceutical, and many others. Prior to joining LogicTools (later acquired by ILOG and then IBM), he worked for Kuehne & Nagel, helping run network design projects and implement the results. He holds an M.S. in Industrial Engineering from the University of Florida, and a Bachelors degree in Industrial Engineering from Anna University, India.



Books Deals

Amazon Coupons
g: 4 Posted By: archena
Views: 414 Replies: 0 The End of the Euro: The Uneasy Future of the European Union [Kindle Edition] was $24.95

Johan Van Overtveldt (Author)

Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

http://www.amazon.com/dp/B0066A8PAA

Publication Date: November 9, 2011

Publisher: Agate B2

6 Reviews★★★★.5
#1 inKindle Store > Kindle eBooks > Business & Investing > Economics > International

The End of the Euro begins with an overview of the birth of the euro itself. Understanding this history is essential to understand the anomalies built into the project from the beginning. These anomalies form the subject of chapter two, along with how they led to the situation that turned Greece, Portugal, and Spain into euro-destroying economic disaster areas. Chapter three shows how this was not an unforeseeable situation, as Europes history is filled with earlier failed attempts to build monetary unions. Chapter four is focused on Germany, by far the most important country within EMU, and why the chances of Germany leaving the union are much higher than is generally assumed. The book concludes with an analysis of what lies in wait for the remains of the monetary union and for a deeply divided and troubled continent in general. Either the EMU transforms itself fundamentally or it disintegrates.About the Author Johan Van Overtveldt is the editor in chief and managing director of Trends, Belgium's leading weekly on business and economics. He has published several books in Dutch and contributes to The wall street journal Europe and other publications. Also the author of Bernanke's Test and The Chicago School, he lives in Brussels.


Books Deals

Amazon Coupons
g: 0 Posted By: archena
Views: 89 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Business Productivity Strategies for Success (Collection) [Kindle Edition] was $89.99Mark I. Woods (Author), Trapper Woods (Author), Merrick Rosenberg (Author), Daniel Silvert (Author), Jerry Weissman (Author), Martha I. Finney (Author) http://www.amazon.com/dp/B00COGYQN0Publication Date: April 27, 2013Publisher: FT PressNo Reviews#1 in Kindle Store > Kindle eBooks > Business & Investing > Reference > Office Skills#2 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides  A brand new collection of 4 authoritative guides to improving your business productivity!  4 authoritative books help you supercharge your business productivity and effectiveness today, every day, for years to come!  This extraordinary collection of books will help you get better way better! at the tasks that can make or break your career! Start with time management: Attack Your Day presents Crucial activity management skills and 101 productivity strategies for achieving unprecedented effectiveness, and moving relentlessly towards your greatest life goals. Learn to dramatically improve the way you prioritize activities organize inherently more productive days make sure the most important tasks get done overcome procrastination forever know how to turn on a dime without sacrificing focus learn how and when to say NO to interruptions! Next, Taking Flight! reveals profound hidden patterns of human behavioral style, helping you gain deeper self-awareness, maximize your personal strengths, and influence others. Learn how to use the proven DISC model of human behavior to become a more effective leader, salesperson, or teacher; revitalize your career; and build deeper relationships. Discover why you click with some people and clank with others, and what really drives you! Then, create your own personal action plan for making the most of your strengths, working around weaknesses, and supercharging your personal performance. In Winning Strategies for Power Presentations, legendary presentations Coach Jerry Weissman distills 75 best practices hes developed through 20+ years coaching executives on high-stakes presentations. Weissman shares powerful new insights into contents, graphics, delivery, Q&A sessions, and more. He offers new advice on making persuasive political and scripted speeches, developing a richer public speaking voice, interviewing others, demonstrating products, and much more. Every technique is illuminated with a compelling case study, reflecting experiences of communicators ranging from Ronald Reagan to Jon Stewart, Stephen King to Netflix CEO Reed Hastings. Finally, The Truth About Getting the Best From People, Second Edition brings together 60+ proven principles for achieving employee engagement one-hundred percent of the time. This new edition features more than 15 new truths including: managing virtual teams, building persuasive skills, tuning into your own unconscious biases, managing multiple generations, and identifying and cultivating individual high performers. Whatever your leadership role, this collection will supercharge your effectiveness and your career!  From world-renowned business productivity experts Mark Woods, Trapper Woods, Merrick Rosenberg, Daniel Silvert, Jerry Weissman, and Martha I. Finney
Books Deals

Amazon Coupons
g: 4 Posted By: archena
Views: 1487 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Share: 27 Ways to Boost Your Social Media Experience, Build Trust and Attract Followers [Kindle Edition] was $9.95Robert Anspach (Author)
http://www.amazon.com/dp/B00EEQL1R2Publication Date: May 31, 2013Publisher: Anspach Media10 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Computers & Technology > Web Marketing#2 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship#3 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job HuntingFinally a simple, easy to follow guide that shows you real life examples on how to improve your online communication to win over fans, friends and followers.
If you're about ready to call it quits, are totally frustrated with, and ready to throw your hands up in defeat over social media then this book is for you!
In this game changing book by Rob Anspach you'll discover...
Twenty seven common sense ways that will make posting to social media so much easier and profitable.
Simple tactics that will build trust with your fans and make cheerleaders out of your followers.
Real world examples that show how easy social media can be with the right formula in place.
Books & Magazines Deals
g: 0 Posted By: archena
Views: 30 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Share: 27 Ways to Boost Your Social Media Experience, Build Trust and Attract Followers [Kindle Edition] was $9.95Robert Anspach (Author)
http://www.amazon.com/dp/B00EEQL1R2Publication Date: May 31, 2013Publisher: Anspach Media10 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Computers & Technology > Web Marketing#2 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship#3 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job HuntingFinally a simple, easy to follow guide that shows you real life examples on how to improve your online communication to win over fans, friends and followers.
If you're about ready to call it quits, are totally frustrated with, and ready to throw your hands up in defeat over social media then this book is for you!
In this game changing book by Rob Anspach you'll discover...
Twenty seven common sense ways that will make posting to social media so much easier and profitable.
Simple tactics that will build trust with your fans and make cheerleaders out of your followers.
Real world examples that show how easy social media can be with the right formula in place.
Books & Magazines Deals
401k setup
Added on : Thursday August 15th 2013 06:00:14 AM
g: 0 Posted By: megaejames
Views: 45 Replies: 1 Hi all:I am new to FWF, well new in the sense that I havent posted much. So, i just graduated b school and am in hte process of setting up my 401k funds. I have done a little research (nowhere near an expert) and have elected the following as my fund allocation.I put 75% of my contributions into an index fund (spartan)
15% into large cap stocks
10% into small capsWhat do you guys think? the index fund has an expense ratio of 4 dollars per 100 invested. Also, i am conributing near the maximum (receiving match on first 4k and 50% on second 4k invested). Any thoughts?
Investing Deals
Investment/retirement plan for parent
Added on : Wednesday August 14th 2013 01:00:04 PM
g: 0 Posted By: motuwallet
Views: 8 Replies: 0 One of my parents has asked me for some advice regarding their current investments. I thought I would poll the FWF communities for some ideas. Background info:
Age: 60
Income: hard to predict. between 0-30k from working for the next 10 years, then 0 after. presumably SSA payments after that (?) but I have no idea how that works.
Balance sheet:
IRA - about 600k, currently managed by a financial advisor who charges 1%/yr and has it in an assortment of mutual funds. it's about 70% equities, 30% bonds right now.
Home - 350k mortgage at about 6% interest. Home value is about 1 million.
Cash - about 600k, sitting in various money market accounts earning essentially 0%.
Total: 1.85MM net worth. 1.2MM liquid/IRA, 650k in houseMy parent has expressed a desire to keep some of the cash available for 1) facilitating living expenses and 2) maintaining options for investment opportunities. This parent from time to time gets presented with what are essentially "inside track" deals in the local real estate market which could be short term lending or an opportunity to partner on an investment/rental property. These are safe bets with good returns (let's say 15%/yr, 0 risk) when they come up, but there's no telling when the next one will be.
Secondly, there is an interest in shifting a portion of the investment portfolio into higher risk, higher return investments. Mortgage:
Clearly, the mortgage at 6% is bleeding money. When my parent looked into doing a refi, it was difficult to obtain one with no certain income going forward. The only option at that time required putting an extra 100-150k down on the house to refi at 3.5%. To me, this was a no-brainer, however the parent passed at that time because of the desire to maintain liquidity. I think this option should be pursued again - any suggestions on how to go about it are welcome. I gather rates have gone up recently. Should it be possible to obtain a refi w/o the additional down payment?IRA:
I've wanted my parents to dump their worthless financial advisors for a long time so this is a great opportunity. I work in this field so I'm knowledgeable. However, I want to limit my "blame risk" should something go wrong. I would be interested in finding them a fee-based financial advisor they could meet once a year to rebalance, but the effort to find a good one and then pay them is probably not worth it. As a baseline improvement, I'm thinking the returns on the IRA portfolio can be replicated by just shifting into Vanguard total stock/bond funds, the immediate benefit being saving 1%/yr on advisor fees and the higher fees of the current mutual funds. For asset allocation wonks, I'm questioning the value of having any allocation to bonds at this juncture. They're not paying much, and seem to offer much more downside than upside. I believe another mega-crash is coming, so I'm not comfortable with putting my parents in a super high beta equities-and-up only portfolio. But I have no idea when that crash will be. Seems like the current bubble can keep going for years, and like I said above, I want to limit my "blame risk" and not make any drastic shifts. I don't think about asset allocation much so any comments here are welcome. Higher risk/return goal:
This is where there's some room for creativity. One way to accomplish higher risk/return would simply be shifting more of the IRA to equities. However, I'm considering:
1) suggesting allocation a portion of the cash balance - let's say 20k - to a p2p lending portfolio like LendingClub.
2) do IRA assets count toward accredited investor status? If so it could be interesting to allocate a small amount - again say 20k - to some online crowdfunding/seed investment platforms. Insurance:
Are there any insurance needs we should be considering? A family friend recently had their spouse go through a debilitating illness for years and pass away. they had purchased some long-term care insurance for >50k which ended up paying off for them. 50k is a lot to plunk down on the chance of this happening though ...
Investing Deals
Open or add to a Fidelity IRA and get up to $2,500
Added on : Wednesday August 14th 2013 11:00:07 AM
g: 0 Posted By: DAKn2
Views: 86 Replies: 0 Fidelity is offering a bonus based on what you add or open an account with -
For a limited time only, earn up to a $2500 deposit bonus when you open and fund a Fidelity IRA or brokerage account or add new money to an existing one.Deposit Amount $50,000+ $100,000+ $250,000+ $500,000+ $1,000,000+
Deposit Bonus Earned $200 $300 $600 $1200 $2500
I was looking to move my rolled over and converted Roth IRAs to them anyway so it is worth the effort for me. Although I won't cash in the on the $2.5k; at least I'll get a few hundred for my effort. Terms state that they add everything you add within the first 60 days after opening the account. So if you are moving funds from several sources as I am the sum total is what the bonus will be based on.Linkhttps://scs.fidelity.com/other/offers/registration_casha.shtml?c...
Investing Deals
g: 7 Posted By: archena
Views: 1760 Replies: 5 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Pocket Guide to the Most Difficult Interview Questions [Kindle Edition] was $8.99Jeremy Waller (Author)http://www.amazon.com/dp/B0088P0T7SPublication Date: June 3, 2012Publisher: Five Feed Media 4 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides#3 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job Hunting
Years ago, fresh from graduation, I went on my first big interview. I didn't really know what to expect, but I knew my area of expertise and I knew about myself so I figured that the interview wouldn't be much of a problem.Boy was I wrong!I was blindsided with questions like "What would you do if you found out the accounting department was cooking the books?" I didn't even know how to respond. "Uh, tell someone?"Needless to say, that wasn't a great answer.The interviewer also had pages of brainteaser questions that were straight out of left-field."Tell me what number comes next: 10, 9, 60, 90, 70, 66.?""What would you charge to wash all of the windows in Seattle?""How many quarters could you fit in this room?"I was dumbfounded.I later learned that it didn't even matter if I got the question correct or not. What mattered was how I answered the question.Do you know what to do when you face questions like these?The Pocket Guide to the Most Difficult Interview Questions takes you by the hand and guides you through every type of question that you'll likely face in an interview:Analytical Reasoning Interview Questions
Behavioral Interview Questions
Brainteaser Interview Questions
Leadership Interview Questions
Personality Interview Questions
Problem Solving Interview Questions
Sales Interview QuestionsDon't go to one more interview without being prepared!
Books & Magazines Deals
g: 0 Posted By: archena
Views: 184 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Pocket Guide to the Most Difficult Interview Questions [Kindle Edition] was $8.99Jeremy Waller (Author)http://www.amazon.com/dp/B0088P0T7SPublication Date: June 3, 2012Publisher: Five Feed Media 4 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides#3 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job Hunting
Years ago, fresh from graduation, I went on my first big interview. I didn't really know what to expect, but I knew my area of expertise and I knew about myself so I figured that the interview wouldn't be much of a problem.Boy was I wrong!I was blindsided with questions like "What would you do if you found out the accounting department was cooking the books?" I didn't even know how to respond. "Uh, tell someone?"Needless to say, that wasn't a great answer.The interviewer also had pages of brainteaser questions that were straight out of left-field."Tell me what number comes next: 10, 9, 60, 90, 70, 66.?""What would you charge to wash all of the windows in Seattle?""How many quarters could you fit in this room?"I was dumbfounded.I later learned that it didn't even matter if I got the question correct or not. What mattered was how I answered the question.Do you know what to do when you face questions like these?The Pocket Guide to the Most Difficult Interview Questions takes you by the hand and guides you through every type of question that you'll likely face in an interview:Analytical Reasoning Interview Questions
Behavioral Interview Questions
Brainteaser Interview Questions
Leadership Interview Questions
Personality Interview Questions
Problem Solving Interview Questions
Sales Interview QuestionsDon't go to one more interview without being prepared!
Books & Magazines Deals
g: 0 Posted By: archena
Views: 270 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Service Management: An Integrated Approach to Supply Chain Management and Operations (FT Press Operations Management) [Kindle Edition] was $71.99 / Paperback is $40.46Cengiz Haksever (Author), Barry Render (Author) http://www.amazon.com/dp/B00DCNNJG4Publication Date: June 11, 2013Publisher: FT PressNo Reviews#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations#3 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Management Tie customer-driven strategies to service operations and process management, and sharpen your focus on creating customer value throughout your entire service organization! This comprehensive, multidisciplinary reference thoroughly covers today's most effective theories and methods for managing service organizations, drawing on innovative insights from economics, consumer behavior, marketing, strategy, and operations management. Leading experts Cengiz Haksever and Barry Render provide Crucial insights into emerging service operation and supply chain topics, reinforcing key points with up-to-date case studies. Service Management contains a valuable chapter-length introduction to linear and goal programming and its services applications; and also addresses many other topics ignored by competitive texts, such as: Service SCM methods and approaches
Focusing on customers and their service purchase behavior
Service productivity
Managing public and private nonprofit service organizations
Vehicle routing and scheduling
Ethical challenges to SCMService Management will be an invaluable resource for senior and mid-level managers throughout any service organization, and for students and faculty in any graduate or upper-level undergraduate program in service management, service operations management, or operations management
About the Author
Cengiz Haksever is a Professor of Management Sciences at the College of Business Administration of Rider University. He received his B.S. and M.S. degrees in Industrial Engineering from Middle East Technical University in Ankara, Turkey, his M.B.A. from Texas A & M University in College Station, Texas, and his Ph.D. in Operations Research from the University of Texas in Austin.His research interests include service management, supply chain management, operations research, operations management, quality and continuous improvement, and data envelopment analysis. Dr. Haksevers work appeared in European Journal of Operational Research, Journal of the Operational Research Society, Computers & Operations Research, Computers & Industrial Engineering, Journal of Construction Engineering and Management, International Journal of Production Economics, Journal of Small Business Strategy, Journal of Business Ethics, Education Economics, International Journal of Production Economics, International Journal of Information and Management Sciences , and Business Horizons.He has taught courses in operations management, supply chain management, service operations management, management science, quality assurance, statistics, and regression in undergraduate and M.B.A. programs. He served as examiner and senior examiner for the New Jersey Governors Award for Performance Excellence. During the 1993-1994 academic year, he was a Fulbright Senior Lecturer at Marmara University in Istanbul, Turkey. At Rider University, he was awarded the Jessie H. Harper Professorship for the academic year of 2000-2001. Dr. Haksever served on the Editorial Advisory Board of Computers & Operations Research and was a guest editor of a special issue of the journal Data Envelopment Analysis.Barry Render is Professor Emeritus, the Charles Harwood Professor of Operations Management, Crummer Graduate School of Business, Rollins College, Winter Park, Florida. He received his B.S. in Mathematics and Physics at Roosevelt University and his M.S. in Operations Research and Ph.D. in Quantitative Analysis at the University of Cincinnati. He previously taught at George Washington University, University of New Orleans, Boston University, and George Mason University, where he held the Mason Foundation Professorship in Decision Sciences and was Chair of the Decision Sciences Department. Dr. Render has also worked in the aerospace industry for General Electric, McDonnell Douglas, and NASA.Professor Render has coauthored 10 textbooks for Prentice Hall, including Managerial Decision Modeling with Spreadsheets, Quantitative Analysis for Management, Service Management, Introduction to Management Science, and Cases and Readings in Management Science. Quantitative Analysis for Management, now in its eleventh edition, is a leading text in that discipline in the United States and globally. Dr. Renders more than 100 articles on a variety of management topics have appeared in Decision Sciences, Production and Operations Management, Interfaces, Information and Management, Journal of Management Information Systems, Socio-Economic Planning Sciences, IIE Solutions, and Operations Management Review, among others.
Dr. Render has been honored as an AACSB Fellow and was twice named a Senior Fulbright Scholar. He was Vice President of the Decision Science Institute Southeast Region and served as Software Review Editor for Decision Line for six years and as Editor of The New York Times Operations Management special issues for five years. From 1984 to 1993, Dr. Render was President of Management Service Associates of Virginia, Inc., whose technology clients included the FBI, the U.S. Navy, Fairfax County, Virginia, and C&P Telephone. He is currently Consulting Editor to Financial Times Press.Dr. Render has taught operations management courses in Rollins Colleges M.B.A. and Executive M.B.A. programs. He has received that schools Welsh Award as leading professor and was selected by Roosevelt University as the 1996 recipient of the St. Claire Drake Award for Outstanding Scholarship. In 2005, Dr. Render received the Rollins College M.B.A. Student Award for Best Overall Course and in 2009 was named Professor of the Year by full-time M.B.A. students.
Books Deals

Amazon Coupons
FREE Kindle Book Copywriting For The Rest Of Us was $2.99
Added on : Monday August 12th 2013 04:00:07 AM
g: 3 Posted By: archena
Views: 1994 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.
Copywriting For The Rest Of Us (Marketing For The Rest Of Us) [Kindle Edition] was $2.99Mike Shreeve (Author) http://www.amazon.com/dp/B00CSTBZ2SPublication Date: May 14, 201313 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Advertising#1 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Marketing > Direct
Words sell.Knowing how to string together sentences that will have your prospecting begging to buy your product or service isn't just a skill reserved for the highly trained copy "gurus" - YOU CAN WRITE COPY TOO!In this, the second book in the Marketing For The Rest Of Series, you will be taken through a step-by-step process on how to craft your very own high converting sales page without the need of hiring an expensive copywriter.Copywriting doesn't have to be hard. It is a craft, and as such there are certain tools and formulas that you can use on a regular basis to create both long copy and short copy that will have your prospect eating out of your hand!Copywriting for the rest of us is about walking you through the exact template that Mike Shreeve uses every time he is hired to create a sales page that converts and makes his client money.Join Mike Shreeve as he takes you by the hand and turns beginning copywriters into sales page creating experts!
********DEAD **** Video Marketing For The Rest Of Us [Kindle Edition] was $2.99Mike Shreeve (Author) http://www.amazon.com/dp/B00CRRT65YPublication Date: May 13, 201310 Reviews ★★★★.5#4 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Advertising#5 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Marketing
Video Marketing For The Rest Of Us is the ultimate video marketing guide for small business owners, self-starters and up and coming celebrities.If you have ever wanted to take advantage of the power of Youtube marketing for your offers, services and business with video, then this book is for you.Online video provides a powerful marketing tool for those who know now to use it. Just spend 5 minutes searching for your keywords in Youtube and see how effectively your competition is connecting with your customers.This book will provide you with everything that you need to know to get started spreading the word about your business online. You will learn powerful video marketing strategies, how to do proper SEO and how to drive traffic to your videos.You will also learn how to craft powerful copy that will have your visitors clicking through to your offers and turn your videos into sales machines!Jam packed with over 88 pages of step-by-step instruction, Mike Shreeve will take you through the entire process of running a highly successful video marketing campaign.Here is a snap shot of the table of contents:Why Youtube? Why Video?
The Future Of Youtube
How I Can Tell That Youtube Is Here To Stay
Youtube For Rankings
Youtube Traffic Islands
My Time In The Philippines Taught Me What Video Marketing Really Is
Youtube Results The Truth
Crafting Your Strategy
Selecting A Niche
The Talent/Dream Job Approach
Ignore What You Think You Know About Niche Selection
What To Do With The Info From The Worksheet
The Power Of Edutainment
What The Heck Is Edutainment?
The Best Example Of Edutainment That I Have Ever Seen
Yes, But Is It Effective?
Youtube Marketing As An Add On
The Youtube Marketing Funnel
The True Purpose Of Video In IM
Finding Your Place Amongst The Stars
Discovering Holes In The Niche
Researching Competition
Using Hidden Talents To Cash In Big A Study In Branding
Creating Your Videos
Lighting/Audio/Camera
Audio
Camera Techniques
The Still Shot
My Secret System For Outsourcing Video Creation
Content Secrets Of Six Figure Video Marketers
How To Create More Content Than Anyone Ever
Video Types
Equipment For Serious Video Marketers
Youtube Copywriting
Copywriting Tips To Explode Views
More Copywriting Advice
Youtube SEO
Before You Even Upload The Video
The Video Itself
Getting A Rush Of Traffic
The Youtube Community
My Top Secret Rolodex
My List Of Awesome Tools
My List Of Awesome People
Looking For Less Expensive Outsourcing Options?Not only will you get exclusive access to this high quality video marketing information, but you will also be provided with worksheets to run through the exercises that are provided in this book.You will also receive links to several of over-the-shoulder training videos that are exclusive to those who purchase this book.
Books & Magazines Deals
g: 0 Posted By: archena
Views: 1 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.
Copywriting For The Rest Of Us (Marketing For The Rest Of Us) [Kindle Edition] was $2.99Mike Shreeve (Author) http://www.amazon.com/dp/B00CSTBZ2SPublication Date: May 14, 201313 Reviews ★★★★★Words sell.Knowing how to string together sentences that will have your prospecting begging to buy your product or service isn't just a skill reserved for the highly trained copy "gurus" - YOU CAN WRITE COPY TOO!In this, the second book in the Marketing For The Rest Of Series, you will be taken through a step-by-step process on how to craft your very own high converting sales page without the need of hiring an expensive copywriter.Copywriting doesn't have to be hard. It is a craft, and as such there are certain tools and formulas that you can use on a regular basis to create both long copy and short copy that will have your prospect eating out of your hand!Copywriting for the rest of us is about walking you through the exact template that Mike Shreeve uses every time he is hired to create a sales page that converts and makes his client money.Join Mike Shreeve as he takes you by the hand and turns beginning copywriters into sales page creating experts!
*****Video Marketing For The Rest Of Us [Kindle Edition] was $2.99Mike Shreeve (Author) http://www.amazon.com/dp/B00CRRT65YPublication Date: May 13, 201310 Reviews ★★★★.5#4 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Advertising#5 in Kindle Store > Kindle eBooks > Business & Investing > Marketing & Sales > Marketing
Video Marketing For The Rest Of Us is the ultimate video marketing guide for small business owners, self-starters and up and coming celebrities.If you have ever wanted to take advantage of the power of Youtube marketing for your offers, services and business with video, then this book is for you.Online video provides a powerful marketing tool for those who know now to use it. Just spend 5 minutes searching for your keywords in Youtube and see how effectively your competition is connecting with your customers.This book will provide you with everything that you need to know to get started spreading the word about your business online. You will learn powerful video marketing strategies, how to do proper SEO and how to drive traffic to your videos.You will also learn how to craft powerful copy that will have your visitors clicking through to your offers and turn your videos into sales machines!Jam packed with over 88 pages of step-by-step instruction, Mike Shreeve will take you through the entire process of running a highly successful video marketing campaign.Here is a snap shot of the table of contents:Why Youtube? Why Video?
The Future Of Youtube
How I Can Tell That Youtube Is Here To Stay
Youtube For Rankings
Youtube Traffic Islands
My Time In The Philippines Taught Me What Video Marketing Really Is
Youtube Results The Truth
Crafting Your Strategy
Selecting A Niche
The Talent/Dream Job Approach
Ignore What You Think You Know About Niche Selection
What To Do With The Info From The Worksheet
The Power Of Edutainment
What The Heck Is Edutainment?
The Best Example Of Edutainment That I Have Ever Seen
Yes, But Is It Effective?
Youtube Marketing As An Add On
The Youtube Marketing Funnel
The True Purpose Of Video In IM
Finding Your Place Amongst The Stars
Discovering Holes In The Niche
Researching Competition
Using Hidden Talents To Cash In Big A Study In Branding
Creating Your Videos
Lighting/Audio/Camera
Audio
Camera Techniques
The Still Shot
My Secret System For Outsourcing Video Creation
Content Secrets Of Six Figure Video Marketers
How To Create More Content Than Anyone Ever
Video Types
Equipment For Serious Video Marketers
Youtube Copywriting
Copywriting Tips To Explode Views
More Copywriting Advice
Youtube SEO
Before You Even Upload The Video
The Video Itself
Getting A Rush Of Traffic
The Youtube Community
My Top Secret Rolodex
My List Of Awesome Tools
My List Of Awesome People
Looking For Less Expensive Outsourcing Options?Not only will you get exclusive access to this high quality video marketing information, but you will also be provided with worksheets to run through the exercises that are provided in this book.You will also receive links to several of over-the-shoulder training videos that are exclusive to those who purchase this book.
g: 0 Posted By: harisund
Views: 215 Replies: 10 Here's the backstory -
Lived in Riverstone Ranch apartments in Austin, TX for around 15 months starting March 2012 through June 2013. Had to relocate in the middle of my second 9 month lease to Illinois , company picked up lease buy out fee. Paid all my dues (pro-rated rent/sewage & other apartment-billed utilities), turned in all my keys, everything went clean. Paid a refundable deposit of $600 and another $50 for keys when I moved in. Upon move out, I was informed of the following
-> A post move inspection would be completed shortly. (I couldn't stay back, had to relocate. So I wasn't physically present for the post-move inspection)
-> I would be refunded the $50 for the keys through a check in the mail
-> Out of the refundable deposit, some amount would be held for repairs. The remaining would be mailed through a check, along with a bill listing what the repairs were and how much was being held out of the deposit
-> I could expect all of the above within 30 daysI called a couple of times between day 1 and day 30 of my move out, they said the inspection had not yet been done but I could expect the refund by 30 days. Now it has been more than 30 days and still no refund. Every single time I call, I am informed that the supervising manager who is in charge of these things is currently not in office as he/she is out touring the property and that he/she will give me a call upon returning. I receive no call, I call back and am told the exact same thing. It has been more than 30 days now. I have received absolutely no notification from them whatsoever that the post-move inspection has been completed, let alone refund has been mailed. $650 is a pretty huge amount !! Any suggestions on how I should proceed?
Investing Deals
g: 7 Posted By: archena
Views: 1222 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.From The Trash Man To The Cash Man [Kindle Edition] was $9.99Myron Golden (Author) http://www.amazon.com/dp/B00E5RWNXQPublication Date: July 25, 2013Publisher: Skillionaire Enterprises Inc. 11 Reviews - ★★★★★
#11 in Kindle Store > Kindle eBooks > Business & Investing
Myron Golden wrote From The Trash Man To The Cash Man as a means to help other people who wanted and book about wealth building made easy. The physical copy of the book has already sold over 139,000 copies world-wide. Myron Golden wanted to show others how to use the basic principles of personal finance to get rich or what ever level of wealth creation the reader desires. This is a practical book about personal finance. It is a simple guide to financial literacy. The subtitle of the book says it all. How anyone can get rich starting from anywhere. If you want to get out of debt, this book can help you. If you want to learn how to become a millionaire or how to become a multimillionaire, this book can help you. The financial principles are both powerful and simple. If you apply these wealth principles they will work for you. If you want some practical answers to the questions, how do I start and run a successful business or how to I teach my children about money, or what is the best way to plan for retirement? This book is for you.
Look at what others are saying about From The Trash Man To The Cash Man:
Allyson says:
This book was a real eye-opener, and it changed my financial condition for the better. Thanks, Myron!Gregg Scott says:
The Trash Man to the Cash Man is a great book. It outlines principles that my wife and I have been applying to our lives and getting results. It has inspired us to pursue the success we desire.
Gregg and Lenika ScottJames Davis Jr. says:
With all the gloom and doom talked about our economy, From The Trash Man To The Cash Man is the perfect book to help change your mind set about money. You will learn amazing principals that are not taught in school to give you the upper hand to empower and improve your family financial well-being.KimAlyse Popkave says:
From The Trash Man To The Cash Man is a phenomenal book. Whats so great about it is it just makes sense.
I teach these principles to my clients & my students, and I have given copies of this book as gifts.
KimAlyse PopkaveProsperity Professor says:
Myron, your book, The Trash Man to the Cash Mn, was the first book I read on self-improvment and professional development. I have read close to two-hundred more books since then on similar topics, and I firmly believe that you offer the best value for someone starting at ground zero. The Trash Man to the Cash Man is a must read.Marvin Nixon says:
Because of this book my wife and I have a new out look on our future. We have learned so many principles that has helped us. We believe so much in this book and have recommended many copies to friends and family.
Marvin and Syreeta NixonMyla Everett says:
When I attended Six Figure Business School I read your book. At that time I was not sure what led me to the program, but since then my life has changed tremendously. The class filled a need in my preparation for where I am today. The book made so much sense then, and now that I can live it, I fully understand the principles. I also brought the book home to my son who now has a good foundation for his financial success.
Myla EverettChiara says:
FANTASTIC book Myron! Thank you for sharing your amazing story, experinece & knowledge with the world. You make a difference!
Rich blessings,Maria Husbands says:
From The Trash Man To The Cash Man has encouraged me a great deal. I now have the drive to go ahead and take the steps I need toward a better life.Misty Ward says:
I actually read The Trash Man to the Cash Man in 1 day & I am not the type of person who enjoyed reading but this book was such an easy read & it had so many nuggets that I couldnt put it down! Myron doesnt hold anything back, he gives you all the information you need.If you are serious about learning to create wealth for yourself and your family, don't wait another minute! Get this book now and read it before you go to bed tonight. You will find that it is one of the best personal finance books you have ever read.
Totally Free Deals
g: 2 Posted By: archena
Views: 250 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Master Key to Asia: A 6-Step Guide to Unlocking New Markets (The Master Key Series) [Kindle Edition] was $9.95David Clive Price (Author) http://www.amazon.com/dp/B00CPR2BN0Publication Date: May 8, 201310 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Reference > EtiquetteHave you thought about launching or developing your business in Asia but you can't seem to fully grasp the way business is done? Are you already operating in one Asian country but you're worried about getting into the business culture of another?Well you aren't alone! Research shows that the majority of business people going into Asia, including CEOs and senior executives, have no experience of an Asian country, don't speak a word of an Asian language and have made no adequate preparation for knowing the culture (s). They think Asia is one big region and anyway the business environment and mind-set are pretty much the same as their own. They can pick up the 'touchy feely' stuff later.The result is that they find themselves excluded from or trailing the competition because of simple cultural mistakes and poor communication. Companies waste MILLIONS of dollars in lost productivity, failed deals, ill-conceived strategies, and loss of goodwill simply because they don't understand the business etiquette, customs and traditions of the Asian country in which they operate or intend to operate.The Master Key to Asia is based on David Clive Price's experience of giving strategic communications advice to many Asian multinationals and of the challenges of setting up his own business in various Asian countries.This quick read 100-page book provides a step-by-step guide into the personal world of Asian business with Action Points and simple exercises to help the reader along the way. The cultures and business customs of 13 individual Asian countries are examined in detail, but there are also chapters on the Importance of Culture in International Business, the Basics of Asian Business Etiquette, Building Asian Leadership Skills, Asian Values, and The Road Map to Greater Success.Readers of this book will learn how to:* Enhance efficiency by understanding the impact of cultural differences
* Eliminate cultural mistakes and blunders to raise performance
* Communicate and present successfully to international audiences and clients
* Build enduring relationships in Asia based on trust and credibility
* Leverage cultural knowledge to build strong cross-border partnerships
* Learn vital networking and negotiating skills in diverse culturesWith this first book in his innovative Master Key series, David Clive Price offers a clear path to transforming your companys abilities to meet the challenges of the Asian Century.
Totally Free Deals
g: 5 Posted By: archena
Views: 932 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Freedom Manifesto: How To Make A Million Dollars, Travel The World, And Live The Life Of Your Dreams [Kindle Edition] was $9.99Ryan Moran (Author)http://www.amazon.com/dp/B00DE0BO30Publication Date: June 12, 2013Publisher: Freedom Fast Lane LLC14 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedAre you tired of leading a life that you feel you have ZERO control over? Do you have a passion, but feel too bogged down by responsibilities to pursue it? Are you constantly worried about your financial security?If you answered yes to any of those questions, then you have not been living the life you were meant to lead. In The Freedom Manifesto, Ryan Moran uncovers the secrets steps followed by a new community of people who play by a new set of rules. Learn exactly how these people have accomplished living a life of freedom and how you can do it, too. The Freedom Manifesto will give you the 5 Steps you must take to lead the life of your dreams and never have to worry about money again. Want to quit your job, start your own business, and work from home? You can. Learn how you can create passive online incomes, work from anywhere, work less, spend more time doing what you want to do, and start living life on your terms.If you're tired of slaving away week after week and never enjoying the benefits of your hard work - this book is for you. It covers● Defining yourself by the life that you live, not what you do for a living.● Creating the life that you want by DECIDING how you will spend your time.● Learning how to name and eliminate the unnecessary distractions that are holding you back.● Using your passions to create online businesses and expand your income by setting up online cash flow streams.● Managing your profits so you never have to worry about money again.● Living a life of abundance by giving back.
Finally, make the shift you've been wanting to make. Discover the steps that will help you make more money, work on your own terms, and finally be free to do the things you've been dreaming of doing.
Books & Magazines Deals
g: 0 Posted By: archena
Views: 608 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.SMASH! Break Through Your Productivity Barriers With Proven Secrets From Top 6 & 7 Figure Infopreneurs [Kindle Edition] was $9.99Joshua Sprague (Author) http://www.amazon.com/dp/B00E6XY3IWPublication Date: July 27, 2013Publisher: Joshua J Sprague6 Reviews - ★★★★.5#2 in Kindle Store > Kindle eBooks > Business & Investing > Business Life > Time Management#3 in Kindle Store > Kindle eBooks > Computers & Technology > Web Marketing
SMASH! Break Through Your Productivity Barriers With Proven Secrets From Top 6 & 7 Figure Infopreneurs
Are you an online marketer, blogger, speaker, or Coach? Do you struggle with getting more done in less time? Wondering how the top infopreneurs live the life of their dreams, make the bling bling and get more done? Want to know how you can do the same?The truth is the top information marketers (aka infopreneurs) earn more and have more freedom because they are insanely productive. They know what to focus on and when to do so. They also get to experience freedoms that few people ever get to experience all because of their productivity secrets. Wouldnt it be awesome if you could do the same?Put Your Productivity On Steroids Learn How To Be More Productive
In SMASH! Break Through Your Productivity Barriers With Proven Secrets From Top 6 & 7 Figure Infopreneurs, I pull back the curtain of what these top performers are really doing. After interrogating some of the top infopreneurs, Ive distilled their productivity secrets into one easy to use and ACTIONABLE handbook to turn you into a productivity ninja.In this book youll learn:-How to get your projects done in record time (and guarantee that you finish them)
-How to plan your day so you are creating more freedom and results in your life
-How to kick laziness and distractions in the face for good
-How to create more time and freedom in your life
-How the top infopreneurs spend their time so they make more money and create more freedom in their lives - and how you can too!
-What you should be working on every day to achieve your goals
-How to take back control of your online business, so you can work on what you love, when you want
-The productivity software that top infopreneurs use
-How to put your productivity on steroids
-How I wrote and published this book in three weeks thanks to this one productivity hack
-How to SMASH through your productivity barriersYoull learn the proven path to breaking through your own productivity barriers, so you can start earning more and working less.
Books & Magazines Deals
g: 1 Posted By: archena
Views: 147 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.
Building Better Business Teams: Proven Strategies that Get the Best from Your People (Collection) [Kindle Edition] - was $86.99Ken Blanchard (Author), Colleen Barrett (Author), David Russo (Author), David Ross (Author), Richard Templar (Author) http://www.amazon.com/dp/B00968FRBYPublication Date: September 5, 2012Publisher: FT Press2 Reviews - ★★★★.5#3 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Systems & Planning#6 in Kindle Store > Kindle eBooks > Business & Investing > Reference > Office Skills A brand new collection of powerful insights into business team-building 4 pioneering books, now in a convenient e-format  4 remarkable eBooks help you create and inspire great teams to unprecedented levels of performance  Your success is crucially dependent on your ability to create, lead, and inspire teams to achieve extraordinary results. The comprehensive resources in this 4 eBook package will help you do precisely that. In Lead with LUV: A Different Way to Create Real Success, the legendary Ken Blanchard ("The One Minute Manager") and former Southwest Airlines CEO Colleen Barrett help you achieve breakthrough performance by leading with love. They explain what "love" really means in the organizational context, why leading with love is not "soft" management, how to handle inappropriate behavior, how to make "servant leadership" work, and how to sustain leadership with love. Next, in 17 Rules Successful Companies Use to Attract and Keep Top Talent: Why Engaged Employees Are Your Greatest Sustainable Advantage, David Russo top workforce optimization consultant David Russo identifies exactly what great organizations do differently when it comes to managing people. Russo distills these differences into actionable rules covering everything from resourcing and compensation to leadership development, risk-taking to change management. You'll learn how to build genuine esprit de corps in any environment, ensuring that your employees' efforts, minds, and hearts stay focused on your mission, and stay committed to results and competitive advantage. In Managing People and Performance: Fast Track to Success, David Ross reveals how to get the best possible performance out of every member of your team, whatever their personality or skill set. Using Ross's breakthrough tools, techniques, checklists, and guidance, you'll master indispensable skills for creating, developing, and managing high performance teams--and, at the same time, accelerating your own career development. Finally, in How to Get What You Want...Without Having to Ask, international best-selling author Richard Templar brings his inimitable blend of originality, imagination, wisdom, and Straight Talk to the challenges of negotiation, persuasion, and influence. The world-renowned author of best-sellers like The Rules of Life, Templar offers up 100 clever, simple, pain-free ways to get people throughout your organization to happily say "yes" to you, and smooth your team's path to success!  From world-renowned leaders and performance experts Ken Blanchard, Colleen Barrett, David Russo, David Ross, and Richard Templar
Collection consists of these 4 booksLead with LUV: A Different Way to Create Real Success http://www.amazon.com/dp/B004DNWSN243 Reviews - ★★★★.5How to Get What You Want...Without Having to Askhttp://www.amazon.com/dp/B005DKQQ2S29 Reviews - ★★★Managing People & Performance: Fast Track to Success (Accelerate Your Career)http://www.amazon.com/dp/B007NYJ36I23 Reviews - ★★★17 Rules Successful Companies Use to Attract and Keep Top Talent: Why Engaged Employees Are Your Greatest Sustainable Advantagehttp://www.amazon.com/dp/B0031O40L23 Reviews - ★★★★.5
Books Deals

Amazon Coupons
g: 6 Posted By: archena
Views: 2783 Replies: 3 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.YouTube Video Marketing Secrets Revealed: The Beginners Guide to Online Video Marketing [Kindle Edition] was $9.97Montina "Sparkwisdom" Portis (Author)http://www.amazon.com/dp/B00E34F0ZOPublication Date: July 21, 20136 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Training
Do you want to be a YouTube Rockstar?
Do you want to get more views and subscribers on YouTube?
Do you wish you could get your YouTube videos to rank #1 in Google and YouTube?Want an EASY to read, simple to implement book that will empower you to make the impact on YouTube that YOU want? In life, we are all looking for a roadmap and Montina "Sparkwisdom" Portis has done just that for you. She started on YouTube in 2009 and in a few short years has built up a strong subscriber base of over 10k and has over 1.5 million video views. This book will teach you not only how to share your business, life and build memories - it will show you to make PROFITS doing it with YouTube video marketing.Ready to learn the #1 Mistake People Make and How You Can Use it to Your Advantage so that You Can Get More Views & Subscribers, Build Traffic and Make Money Online?According to YouTube statistics,
-More than 1 billion unique users visit YouTube each month
-Over 6 billion hours of video are watched each month on YouTubethat's almost an hour for every person on Earth, and 50% more than last year
-100 hours of video are uploaded to YouTube every minute
-According to Nielsen, YouTube reaches more US adults ages 18-34 than any cable networkThis book is for the person that:
*Is interested in YouTube but does not know how to get started
*Wants to see results in their YouTube Video Marketing
*Is an intermediate or advanced user that wants to get even more views and subscribers and learn how to build traffic
*Internet Marketers and bloggers that want to know how to effectively use YouTube in their video marketing in their strategy
*Wants to learn 12 ways to increase their YouTube views, grow subscribers, drive traffic and build a list
*Wants to use YouTube and video marketing to market their business
*Wonders how they can get more views and subscribers
*Wants to get their message of hope out to the world and has no idea where to start
*Dreams of sharing a message of hope with the world
*Wants to learn how to build traffic to their website using YouTube
*Wants to choose the best title for their videos
*Is curious how to make money online through YouTubeSecrets will be revealedHere are some of the questions that are answered:
- How do I get more traffic to my website from YouTube?
- Please help me understand how Google monetizing my video is going to make me any money because I'm not seeing it.
- How do I optimize my site for more traffic?
- How do you keep people engaged?
- I'd like to know to choose an Intro/Outro and how to get a good video quality without buying a DSLR.
- How the search algorithm works so I can optimize my videos for the search results.
- How to get more views on the channel.
- How do I get more subscribers?
- How to use this platform to reach ideal clients.
- How to grow my channel and create dialogue with the viewers
- For the people that make money from using YouTube (mainly people without a personal/business website) what are their secrets/tip to doing so?
- How do I get my videos to show up on the first page in my topic?
- How I can I use it to build my business?What youve done worked for you but how do I know it will work for me? That is a self-limiting belief! Video marketing is proven to work! I already have a You Tube Channelwhy do I need to do this? You dont. You can spend 4 years figuring out what works like she did or you can put a plan in action to be intentional and learn how to make money online. I have a channel with no views. Why are you still reading this? Get the book!About the Author: Montina "Sparkwisdom" Portis is a "YouTuber" and teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits! Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.About the Author
Montina teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits!
Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.
Books & Magazines Deals
g: 0 Posted By: archena
Views: 183 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.SMASH! Break Through Your Productivity Barriers With Proven Secrets From Top 6 & 7 Figure Infopreneurs [Kindle Edition] was $9.99Joshua Sprague (Author) http://www.amazon.com/dp/B00E6XY3IWPublication Date: July 27, 2013Publisher: Joshua J Sprague6 Reviews - ★★★★.5#2 in Kindle Store > Kindle eBooks > Business & Investing > Business Life > Time Management#3 in Kindle Store > Kindle eBooks > Computers & Technology > Web Marketing
SMASH! Break Through Your Productivity Barriers With Proven Secrets From Top 6 & 7 Figure Infopreneurs
Are you an online marketer, blogger, speaker, or Coach? Do you struggle with getting more done in less time? Wondering how the top infopreneurs live the life of their dreams, make the bling bling and get more done? Want to know how you can do the same?The truth is the top information marketers (aka infopreneurs) earn more and have more freedom because they are insanely productive. They know what to focus on and when to do so. They also get to experience freedoms that few people ever get to experience all because of their productivity secrets. Wouldnt it be awesome if you could do the same?Put Your Productivity On Steroids Learn How To Be More Productive
In SMASH! Break Through Your Productivity Barriers With Proven Secrets From Top 6 & 7 Figure Infopreneurs, I pull back the curtain of what these top performers are really doing. After interrogating some of the top infopreneurs, Ive distilled their productivity secrets into one easy to use and ACTIONABLE handbook to turn you into a productivity ninja.In this book youll learn:-How to get your projects done in record time (and guarantee that you finish them)
-How to plan your day so you are creating more freedom and results in your life
-How to kick laziness and distractions in the face for good
-How to create more time and freedom in your life
-How the top infopreneurs spend their time so they make more money and create more freedom in their lives - and how you can too!
-What you should be working on every day to achieve your goals
-How to take back control of your online business, so you can work on what you love, when you want
-The productivity software that top infopreneurs use
-How to put your productivity on steroids
-How I wrote and published this book in three weeks thanks to this one productivity hack
-How to SMASH through your productivity barriersYoull learn the proven path to breaking through your own productivity barriers, so you can start earning more and working less.
Books & Magazines Deals
FREE Kindle Book - The Freedom Manifesto [Business] was $9.99
Added on : Sunday August 04th 2013 04:00:04 PM
g: 0 Posted By: archena
Views: 123 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Freedom Manifesto: How To Make A Million Dollars, Travel The World, And Live The Life Of Your Dreams [Kindle Edition] was $9.99Ryan Moran (Author)http://www.amazon.com/dp/B00DE0BO30Publication Date: June 12, 2013Publisher: Freedom Fast Lane LLC14 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedAre you tired of leading a life that you feel you have ZERO control over? Do you have a passion, but feel too bogged down by responsibilities to pursue it? Are you constantly worried about your financial security?If you answered yes to any of those questions, then you have not been living the life you were meant to lead. In The Freedom Manifesto, Ryan Moran uncovers the secrets steps followed by a new community of people who play by a new set of rules. Learn exactly how these people have accomplished living a life of freedom and how you can do it, too. The Freedom Manifesto will give you the 5 Steps you must take to lead the life of your dreams and never have to worry about money again. Want to quit your job, start your own business, and work from home? You can. Learn how you can create passive online incomes, work from anywhere, work less, spend more time doing what you want to do, and start living life on your terms.If you're tired of slaving away week after week and never enjoying the benefits of your hard work - this book is for you. It covers● Defining yourself by the life that you live, not what you do for a living.● Creating the life that you want by DECIDING how you will spend your time.● Learning how to name and eliminate the unnecessary distractions that are holding you back.● Using your passions to create online businesses and expand your income by setting up online cash flow streams.● Managing your profits so you never have to worry about money again.● Living a life of abundance by giving back.
Finally, make the shift you've been wanting to make. Discover the steps that will help you make more money, work on your own terms, and finally be free to do the things you've been dreaming of doing.
Books & Magazines Deals
Trouble with HSA Bank
Added on : Thursday August 01st 2013 09:00:11 AM
g: 0 Posted By: yeastbeast
Views: 45 Replies: 0 TL;DR Don't do business with HSA Bank
A few years ago I tried to invest some HSA money through the HSA Bank/TDAmeritrade deal described in numerous FWF threads (see here). Unfortunately, this has not worked out well. Let this serve as a cautionary tale to those who would play this game. I set up a small balance (about $6K) account with HSA Bank, then transferred those funds into a linked TDAmeritrade account. Initially things went well but my investment priorities changed and I decided to put the money in a different, easier to access HSA. This was in part motivated by HSA Bank's high fees ($3 monthly waived for balance of >$3000 plus $2.50 monthly "investment fee."The trouble began with my attempts to transfer money out of HSA Bank. Numerous little steps in the transfer process are designed as obstacles to customers. Here's a brief summary of the runaround. -I first tried to close the account and cash out but learned of a $25 closing fee
-To avoid that fee, I next tried to ACH transfer leaving a tiny balance so account would go negative and auto-close, but learned that outbound ACH transfers are capped at $500 daily.
-Next, tried to roll over into another HSA and was required to fax in a form, but the fax number listed on contact page wasn't right.
-Eventually succeeded in faxing to a live human who processed the transaction but imposed a fee anyway, leaving the account with a lower balance the requested transfer, thus invalidating the transfer request.
-Spoke with another CSR who altered the original transfer to reflect the new balance, but this got "lost" in document processing until the end of the month, whereupon there were more fees levied, once again invalidating the transfer request.
-Spoke with a manager who claimed that the fees would be reversed and the check would be in the mail today. It's unclear whether the account will remain open. Altogether, this whole operation was unsuccessful in earning money (monthly fees ate most of my investment earnings) and just created trouble.Lessons learned: don't do business with HSA Bank, at least not with small balances like this.Does anyone here have a similarly bad experience with HSA Bank or can suggest alternative routes to investing HSA money?
I think my CPA fell victim to a scam
Added on : Tuesday July 30th 2013 12:00:03 PM
g: 0 Posted By: betaTest
Views: 164 Replies: 8 Today I received a call from a number I've never seen before. Turns out it was my CPA calling from Sri Lanka. I've known my CPA for over 10 years now, he's a family friend, same age as my father, really honest and good guy.
He said he's invested in this deal which is suppose to close in two days and they're short $20K, and I would get $40K in two days when the deal closes. This raised all sorts of red flags, honestly I thought he was kidding and this was a joke, unfortunately it wasn't. I asked him how much money he has invested in this and he said around $300K that he's been investing over the past 6 years. He is certain this isn't a scam he said he knows several of the people invested for several years now (after all he flew all the way to Sri Lanka to see this deal close I guess). I asked him if the closing has been pushed back several times now to which he said yes. However he is certain this is the last time (I couldn't believe this whole conversation was happening right now). I thanked him for calling with the opportunity, but mentioned that I think it's a scam and that I'd be worried about his funds if I was him. I feel bad for him because he's a good guy but too naive, and I think he's being taken advantage of. He mentioned its a series of investments in crude oil,titanium,etc. Initially wanted money transferred via Hawala (I'm guessing that's the western union of India?), but when I mentioned I have never heard of Hawala he said bank wire would do as well. Is there anything I can do or questions I can have him ask to show him that he's being scammed?
Personal Finance Deals
g: 0 Posted By: archena
Views: 1620 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Small Business Tax Deduction Secrets [Kindle Edition] worth $9.99Stephen L Nelson (Author) http://www.amazon.com/dp/B00E1QJDIEPublication Date: July 18, 2013Publisher: Stephen L. Nelson, Inc.No Reviews#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Accounting & Finance > Accounting#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > AccountingOkay, so there's a simple strategy for minimizing a small business's taxes. And oddly most tax accountants don't spend enough time talking about the strategy with their clients. And that's a shame. Because the strategy is incredibly easy to use: All you need to do is arrange your business to legitimately maximize your deductions!Here's the deal. If you're a small business, a good deduction will nearly always save you the 15% self-employment tax. And for successful small businesses (those that make a living wage or better), a good deduction will also save you 10%, 20% or even more in federal and state income taxes.And the weird part is this: Despite what you might think right now, you probably could structure and arrange your business to take many more deductions that you do now. Probably you could cleverly harvest deductions that would reduce your annual taxes by thousands of dollars.Did you know that sometimes you can even re-cycle (or double-deduct) a deduction?You just need to have somebody identify those deductions which are easy for small businesses to use--and then you need to understand the rules for correctly taking these deductions."Small Business Tax Deduction Secrets" addresses this information short-fall by sharing tips and tricks that allow you to identify and then maximize the legitimate small business tax deductions you're now missing.Specifically, what's in the book? "Small Business Tax Deduction Secrets" emphasizes those business deductions you would probably never guess you can add to a business return. Here's just a partial list of the deduction secrets and tax saving tricks covered:Writing off travel expenses including family vacations to Hawaii, Florida or Southern CaliforniaDeducting and even double-deducting healthcare expensesTurning family members and even the cost of a college education into tax deductionsLegitimately putting hobby expenses onto a business tax return as a valid deduction. (If you do this right, you can save huge amounts of tax--but be careful, the rules are tricky.)Using a small business pension plan to dramatically boost what you can save in a retirement savings account.Incorporating to get tax deductionsDeduction rules when you're starting a businessThe truth about using an S corporationWhen out-of-state incorporation works as a way to avoid state income taxesHome office deductions--including when this deduction doesn't save money
Company car deductions, including the rules for deducting luxury automobilesIn short, "Small Business Tax Deduction Secrets" covers everything the small business owner needs to know to legitimately maximize his or her income tax deductions. And it provides Straight Talk about the aggressive tax reduction techniques which business owners often want to learn more about.
Totally Free Deals
g: 0 Posted By: archena
Views: 73 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.YouTube Video Marketing Secrets Revealed: The Beginners Guide to Online Video Marketing [Kindle Edition] was $9.97Montina "Sparkwisdom" Portis (Author)http://www.amazon.com/dp/B00E34F0ZOPublication Date: July 21, 20136 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Training
Do you want to be a YouTube Rockstar?
Do you want to get more views and subscribers on YouTube?
Do you wish you could get your YouTube videos to rank #1 in Google and YouTube?Want an EASY to read, simple to implement book that will empower you to make the impact on YouTube that YOU want? In life, we are all looking for a roadmap and Montina "Sparkwisdom" Portis has done just that for you. She started on YouTube in 2009 and in a few short years has built up a strong subscriber base of over 10k and has over 1.5 million video views. This book will teach you not only how to share your business, life and build memories - it will show you to make PROFITS doing it with YouTube video marketing.Ready to learn the #1 Mistake People Make and How You Can Use it to Your Advantage so that You Can Get More Views & Subscribers, Build Traffic and Make Money Online?According to YouTube statistics,
-More than 1 billion unique users visit YouTube each month
-Over 6 billion hours of video are watched each month on YouTubethat's almost an hour for every person on Earth, and 50% more than last year
-100 hours of video are uploaded to YouTube every minute
-According to Nielsen, YouTube reaches more US adults ages 18-34 than any cable networkThis book is for the person that:
*Is interested in YouTube but does not know how to get started
*Wants to see results in their YouTube Video Marketing
*Is an intermediate or advanced user that wants to get even more views and subscribers and learn how to build traffic
*Internet Marketers and bloggers that want to know how to effectively use YouTube in their video marketing in their strategy
*Wants to learn 12 ways to increase their YouTube views, grow subscribers, drive traffic and build a list
*Wants to use YouTube and video marketing to market their business
*Wonders how they can get more views and subscribers
*Wants to get their message of hope out to the world and has no idea where to start
*Dreams of sharing a message of hope with the world
*Wants to learn how to build traffic to their website using YouTube
*Wants to choose the best title for their videos
*Is curious how to make money online through YouTubeSecrets will be revealedHere are some of the questions that are answered:
- How do I get more traffic to my website from YouTube?
- Please help me understand how Google monetizing my video is going to make me any money because I'm not seeing it.
- How do I optimize my site for more traffic?
- How do you keep people engaged?
- I'd like to know to choose an Intro/Outro and how to get a good video quality without buying a DSLR.
- How the search algorithm works so I can optimize my videos for the search results.
- How to get more views on the channel.
- How do I get more subscribers?
- How to use this platform to reach ideal clients.
- How to grow my channel and create dialogue with the viewers
- For the people that make money from using YouTube (mainly people without a personal/business website) what are their secrets/tip to doing so?
- How do I get my videos to show up on the first page in my topic?
- How I can I use it to build my business?What youve done worked for you but how do I know it will work for me? That is a self-limiting belief! Video marketing is proven to work! I already have a You Tube Channelwhy do I need to do this? You dont. You can spend 4 years figuring out what works like she did or you can put a plan in action to be intentional and learn how to make money online. I have a channel with no views. Why are you still reading this? Get the book!About the Author: Montina "Sparkwisdom" Portis is a "YouTuber" and teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits! Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.About the Author
Montina teaches part-time entrepreneurs how to achieve full-time success so that they can create content, build traffic and convert their passion into profits!
Montina Portis is an employeepreneur that specializes in Social Media, Video Marketing, Podcasting, Passive Income Streams and Teaching Online.
Books & Magazines Deals
FREE Kindle Book - Small Business Tax Deduction Secrets worth $9.99
Added on : Thursday July 25th 2013 06:00:12 AM
g: 0 Posted By: archena
Views: 114 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Small Business Tax Deduction Secrets [Kindle Edition] worth $9.99Stephen L Nelson (Author) http://www.amazon.com/dp/B00E1QJDIEPublication Date: July 18, 2013Publisher: Stephen L. Nelson, Inc.No Reviews#1 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Accounting & Finance > Accounting#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > AccountingOkay, so there's a simple strategy for minimizing a small business's taxes. And oddly most tax accountants don't spend enough time talking about the strategy with their clients. And that's a shame. Because the strategy is incredibly easy to use: All you need to do is arrange your business to legitimately maximize your deductions!Here's the deal. If you're a small business, a good deduction will nearly always save you the 15% self-employment tax. And for successful small businesses (those that make a living wage or better), a good deduction will also save you 10%, 20% or even more in federal and state income taxes.And the weird part is this: Despite what you might think right now, you probably could structure and arrange your business to take many more deductions that you do now. Probably you could cleverly harvest deductions that would reduce your annual taxes by thousands of dollars.Did you know that sometimes you can even re-cycle (or double-deduct) a deduction?You just need to have somebody identify those deductions which are easy for small businesses to use--and then you need to understand the rules for correctly taking these deductions."Small Business Tax Deduction Secrets" addresses this information short-fall by sharing tips and tricks that allow you to identify and then maximize the legitimate small business tax deductions you're now missing.Specifically, what's in the book? "Small Business Tax Deduction Secrets" emphasizes those business deductions you would probably never guess you can add to a business return. Here's just a partial list of the deduction secrets and tax saving tricks covered:Writing off travel expenses including family vacations to Hawaii, Florida or Southern CaliforniaDeducting and even double-deducting healthcare expensesTurning family members and even the cost of a college education into tax deductionsLegitimately putting hobby expenses onto a business tax return as a valid deduction. (If you do this right, you can save huge amounts of tax--but be careful, the rules are tricky.)Using a small business pension plan to dramatically boost what you can save in a retirement savings account.Incorporating to get tax deductionsDeduction rules when you're starting a businessThe truth about using an S corporationWhen out-of-state incorporation works as a way to avoid state income taxesHome office deductions--including when this deduction doesn't save money
Company car deductions, including the rules for deducting luxury automobilesIn short, "Small Business Tax Deduction Secrets" covers everything the small business owner needs to know to legitimately maximize his or her income tax deductions. And it provides Straight Talk about the aggressive tax reduction techniques which business owners often want to learn more about.
Totally Free Deals
7 Free Kindle Books
Added on : Wednesday July 24th 2013 08:00:13 AM
g: 0 Posted By: remick
Views: 131 Replies: 0 The Truth About Olive Oil [Kindle Edition]
http://www.amazon.com/dp/B008Z7VJG437 Yummy Boneless Chicken Breast Recipes [Kindle Edition]
http://www.amazon.com/dp/B008CLWH9QCookie Indulgence: 150 Easy Cookie Recipes [Kindle Edition]
http://www.amazon.com/dp/B009AUC7ZMJob Interview Questions & Answers: Your Guide to Winning in Job Interviews [Kindle Edition]
http://www.amazon.com/dp/B0087ENLCK8 to Great: The Powerful Process for Positive Change [Kindle Edition]
http://www.amazon.com/dp/B00A0T7T7IWelcome to the Top [Kindle Edition
http://www.amazon.com/dp/B00E1IAY4YDividend Investing - The Truth About Dividends and Long Term Income Investing [Kindle Edition]
http://www.amazon.com/dp/B007NY3YAE
Totally Free Deals
Best investment for IRA
Added on : Monday July 22nd 2013 08:00:08 AM
g: 0 Posted By: vvp22
Views: 37 Replies: 0 Just transferring my 401k to IRA after job change and looking to invest myself in Stock and ETF only. Will have abt 40k. Need FW experts advice. Looking for growth with less risk.
Investing Deals
g: 0 Posted By: remick
Views: 148 Replies: 0 http://www.amazon.com/dp/B004QQ3NGM/
Books Deals

Amazon Coupons
Investing in Extra Security? (Moving into New Home)
Added on : Monday July 22nd 2013 04:00:09 AM
g: 0 Posted By: thepunkrat
Views: 0 Replies: 0 Hey Guys,I am moving into a neighborhood in New Jersey and the crime rate is near 0% (Maybe 1 report of vandalism in the past year). My wife is telling me we dont need locks on the doors for inside the home, but as I lived in NYC I know first hand apartment break-ins and robberies. Although crime is down in NYC I grew up when it was high, and a part of me doesnt feel that safe without locks on the doors as a "just in case measure" for when we are not home for long periods (vacations) or for low chances of home invasions (Knock on wood). Trying to get a show of hands on what everyone thinks about having extra security at a new home by adding door locks to rooms in the home that require a key. Wifey thinks it is a waste of time and money to get locks that require keys for master bedroom, extra room, and basement.How are your homes setup and do you feel safe about your setup? Had any issues? Thanks in advance for any inputs.
Trading Places and the Eddie Murphy Rule
Added on : Saturday July 20th 2013 08:00:07 AM
g: 0 Posted By: CptSavAHo
Views: 42 Replies: 0 This was on the radio a couple days ago. My wife now finally understands the end of the movie and I don't have to keep trying to explain it to her.Its a couple years old but the regulation banning commodities trading with misappropriated market information was actually called the 'Eddie Murphy Rule.' Sucks for Dan Akroyd, since if I remember right he actually came up with the plan. Interesting that until 2010 you could actually have stolen a Dep of Ag report, used it for illicit trading, and not be prosecuted for it.
Investing Deals
Pros and cons of doing an in-service rollover
Added on : Wednesday July 17th 2013 05:00:09 PM
g: 0 Posted By: publicpersona
Views: 152 Replies: 1 I have a question about doing an in-service rollover from my company's 401(k) to my IRA account. Now that I have reached 59 1/2, our plan allows this. Why would I want to? Because the company plan has very, very limited investment options. I'm not looking to invest in gold or chinchilla fur, but I do want to diversify among several bond funds (instead of having a sizeable portion of my assets in one), and invest in ETFs and index funds to save costs. This seems to me to be a no-brainer. I would be doing a trustee transfer from one Fidelity account to another (an existing IRA). All accounts are pre-tax. Is there any downside at all with this? Any tax, MRD, etc. considerations going between the company 401(k) and my existing IRA?
Investing Deals
Merrill Edge: up to $600
Added on : Wednesday July 17th 2013 12:00:06 PM
g: 0 Posted By: AugustFour
Views: 31 Replies: 0 http://www.merrilledge.com/cmaoffer?any catches to this offer if i transfer assets from ETrade? i received this offer in mail.
Investing Deals
Speed Writing Skills Training Course: Speedwriting for Faster Note Taking and Dictation, an Alternative to Shorthand to Help You Take Notes [Kindle Edition] was $9.99Heather Baker (Author), Margaret Greenhall (Editor) http://www.amazon.com/dp/B00BM99NC4Publication Date: February 22, 20137 Reviews ★★★★★#2 in Kindle Store > Kindle eBooks > Business & Investing > Skills > Communication
Speed Writing Skills Training Course: Speedwriting, a guide to faster note taking, an easy to learn alternative to shorthand Most people need a note taking system for work or study but few people have the time or inclination to spend a year or two learning shorthand. BakerWrite Speed Writing enables you to learn a new system in a matter of hours and become proficient within weeks. This book is laid out in 6 easy to follow lessons, that take about an hour each Practical guided exercises, with full answers, in each chapter and each session is rounded off with a dictation passage (available from http://www.UoLearn.com). Save time and become more efficient taking dictation, in meetings, on the telephone, in lectures or interviews. No strange squiggles to learn - just different ways to use the letters you already know Your notes will be easy to transcribe. Enhance your career with a new skill Save time by reducing your written text by an average of 33% - often more. Adapt the system to suit your needs. Free downloadable dictionary and workbook. A terrific opportunity to save time and change your working practices - for the better! What do people think of this speed writing system? "The principles are very easy to follow, and I am already using it to take notes." "BakerWrite is the easiest shorthand system I have come across. Having studied all the major shorthand systems and even other speed writing courses, I find BakerWrite a sheer delight." "I will use this system all the time." "Your system is so easy to learn and use." "I will recommend this course to everyone who takes notes." About the author - Heather Baker Heather studied Pitman shorthand at school and then at secretarial college in Salford, England where she also learned Pitman shorthand in French; she later learned Teeline shorthand and now regularly teaches these. BakerWriteTM is based on her experience with these systems and 22 years as a secretary and PA - taking notes daily. She has been training and coaching secretaries, PAs and administrators since 2000.About the Author
About the author - Heather Baker Heather had over twenty years' experience as a secretary and PA before setting up Baker Thompson Associates Limited in 2000. The company specializes in the training and development of secretarial and administrative staff, www.bakerthompsonassoc.co.uk. She now travels all over the UK working with large and small companies to enable their office staff and PAs to work more effectively and efficiently. She also delivers courses in the Middle and Far East. Heather is a Certified NLP Practitioner. She worked for ICI Pharmaceuticals (now AstraZeneca) and Hewlett Packard; she spent 5 years in France working for the Commercial Director of Cognac Hine and then 10 years with Granada Media working up to Personal Assistant to the Managing Director, commuting regularly between their offices in Manchester and London. She developed this speed writing system to fulfil a requirement by many companies for a quick and easy way for their employees to take notes. The course became very popular and she was often asked if there was a book with the basics of the system - so here it is! To contact Heather please visit the speedwriting section of the publishers' website, http://www.UoLearn.com/speedwriting/speedwriting.html
Spill: Secrets from a Former Agency Executive & Spokesblogger [Kindle Edition] was $8.49Jessica Smith (Author), Leah Segedie (Foreword)http://www.amazon.com/dp/B00AP63A06Publication Date: December 15, 2012Publisher: SMITH & MOXIE7 Reviews ★★★★★#19 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedThere are millions of bloggers but how many of them are making a good income from being a spokesblogger? In Spill, Jessica Smith, a former vice president at a global communications firm where she specialized in blogger relations and a former spokesblogger for big brands, shares her secrets only shared with her colleagues and blogging inner circle. Until now.
Learn practical ways to position yourself as a spokesblogger to brands, build valuable relationships with agencies, and stand out from the competition. Jessica also gives clear, concise advice on not sabotaging yourself, pricing and structuring your fees, and establishing valuable partnerships.
Subject matter experts new to the world of blogging will benefit as much as bloggers who want to breakout into paid spokesblogger contracts.About the Author
Jessica Smith enjoys more than a decade of marketing strategy, business development, and social media experience. She's worked with big brands, start-ups, and media titans to craft their digital marketing strategy, identify impactful influencers, develop active and engaged communities, and generate conversations both online and off. She has also served as a spokesblogger for Ford Motors and EA Sports Active and has written for media outlets, including Mashable and Lifetime TV's Lifetime Moms.
She is currently Vice President, Sales & Marketing at CampEasy.com, a search and discover platform for kids' camps.
She started connecting with people online in the late 1980′s when she started using Prodigy and in college in the mid-90′s she was learning and sharing with other college students on Greekpages.com. A graduate of the University of Maryland at College Park, Jessica started her career at Sapient Corporation.
The first 10 people to reserve a hotel room through MoneyShow for the Marriott Marquis will get their 2nd night FREE! Call 800/970-4355 to register and claim your free night...be sure to mention priority code 032375.
We don't want you to miss the opportunity to win your second night free* at the Marriott Marquis during The MoneyShow San Francisco, August 15-17, 2013. This special deal is limited to the first 10 people who call 800-970-4355 to register and book at MoneyShow's exclusive discounted rates by 5:30 PM EDT, July 22. Inventory is extremely limited, so call now and mention priority code 032375!All the convenience of staying in the same hotel as The MoneyShowno traffic to fight... no parking headaches... just an elevator ride away from all The MoneyShow sessionsat a fraction of the cost! Call today to maximize your valuable time at the Show. Reservations are on a first-come, first-served basis, and only the first 10 who call and reserve will receive one free night*, so don't delay: call and reserve your room today! Call 800/970-4355 to register and mention priority code 032375 when booking your room.*This special offer is limited to one free night per family and only valid on available nights during The MoneyShow San Francisco 2013. Offer is not valid on existing reservations and is only applicable to the first ten (10) new reservations booked through MoneyShow between July 15-22, 2013.
Marriott Marquis
780 Mission Street
San Francisco, CA 94103Discover a beautiful downtown San Francisco hotel rising 39 stories high into the city skyline at the fabulous San Francisco Marriott Marquis. Just south of Market Street, this San Francisco convention center hotel is situated across the street from the Moscone Center and steps away from the city's top attractions, including the historic cable cars and world-class shopping on Union Square and Westfield's San Francisco Center.Take advantage of discounted pricing today!
Only the first 10 callers will get their second night free*. Inventory is limited, and reservations are on a first-come, first-served basis, so call now! The deadline to lock in this discounted rate is July 22, 2013.Our room block will fill up quickly, so don't delay! Call today: 800/970-4355 and mention priority code 032375.

San Francisco Marriott Marquis:
$209* single/double*15.5% tax + .25 cents added to room rates. Deposit of one night's room and tax via credit card required upon reservation. Cancellations must be received 72 hours prior to arrival for full refund.NOTICE: You are receiving this e-mail because you provided us with your e-mail address and expressed interest in receiving updates about other events designed for the investing community by MoneyShow.
This email was sent by: MoneyShow
1258 N. Palm Avenue Sarasota, FL, 34236, USA
Marriott Hotels and Resorts Coupons
Marriott Marquis downtown SF B1G1 Aug.15 only (must book quick!)
Added on : Monday July 15th 2013 01:00:03 PM
The first 10 people to reserve a hotel room through MoneyShow for the Marriott Marquis will get their 2nd night FREE! Call 800/970-4355 to register and claim your free night...be sure to mention priority code 032375.
We don't want you to miss the opportunity to win your second night free* at the Marriott Marquis during The MoneyShow San Francisco, August 15-17, 2013. This special deal is limited to the first 10 people who call 800-970-4355 to register and book at MoneyShow's exclusive discounted rates by 5:30 PM EDT, July 22. Inventory is extremely limited, so call now and mention priority code 032375!All the convenience of staying in the same hotel as The MoneyShowno traffic to fight... no parking headaches... just an elevator ride away from all The MoneyShow sessionsat a fraction of the cost! Call today to maximize your valuable time at the Show. Reservations are on a first-come, first-served basis, and only the first 10 who call and reserve will receive one free night*, so don't delay: call and reserve your room today! Call 800/970-4355 to register and mention priority code 032375 when booking your room.*This special offer is limited to one free night per family and only valid on available nights during The MoneyShow San Francisco 2013. Offer is not valid on existing reservations and is only applicable to the first ten (10) new reservations booked through MoneyShow between July 15-22, 2013.
Marriott Marquis
780 Mission Street
San Francisco, CA 94103Discover a beautiful downtown San Francisco hotel rising 39 stories high into the city skyline at the fabulous San Francisco Marriott Marquis. Just south of Market Street, this San Francisco convention center hotel is situated across the street from the Moscone Center and steps away from the city's top attractions, including the historic cable cars and world-class shopping on Union Square and Westfield's San Francisco Center.Take advantage of discounted pricing today!
Only the first 10 callers will get their second night free*. Inventory is limited, and reservations are on a first-come, first-served basis, so call now! The deadline to lock in this discounted rate is July 22, 2013.Our room block will fill up quickly, so don't delay! Call today: 800/970-4355 and mention priority code 032375.

San Francisco Marriott Marquis:
$209* single/double*15.5% tax + .25 cents added to room rates. Deposit of one night's room and tax via credit card required upon reservation. Cancellations must be received 72 hours prior to arrival for full refund.NOTICE: You are receiving this e-mail because you provided us with your e-mail address and expressed interest in receiving updates about other events designed for the investing community by MoneyShow.
This email was sent by: MoneyShow
1258 N. Palm Avenue Sarasota, FL, 34236, USA
Marriott Hotels and Resorts Coupons
Leading Teams with Integrity: Advice from Leadership Experts (Collection) [Kindle Edition] was $87.99Stedman Graham (Author), Ken Blanchard (Author), Jon Huntsman (Author), Doug Lennick (Author), Fred Ph.D. Kiel (Author) http://www.amazon.com/dp/B0082LJ500Publication Date: May 14, 2012Publisher: FT Press4 Reviews ★★★★#4 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership#5 in Kindle Store > Kindle eBooks > Business & Investing > Reference > Office Skills Know who you are and what you stand forand use that knowledge to become a truly great leader!Four great books help you become a more focused, honorable, successful leader! In Identity: Your Passport to Success, Stedman Graham reveals why success in life flows from establishing your authentic identity: first, within yourself, and then outside, in the world. Graham provides a working definition of identity, shares powerful insights about why its so important, offers a process and structure for your own journey, and introduces his patented 9 Step Plan for SuccessTM. In Leading at a Higher Level, Revised and Expanded Edition, the legendary Ken Blanchard and his colleagues bring together everything theyve learned about world-class leadership. Discover how to create targets and visions based on the triple bottom line, and make sure people know who you are, where youre going, and the values that will guide your journey. In Winners Never Cheat, Jon M. Huntsman shows how to succeed at the top, without sacrificing principles that make life worth living. Huntsman personally built a $12 billion company from scratch, the old-fashioned way: with integrity. Now, he tells you how he did it, and how you can, too. Finally, in Moral Intelligence 2.0, Doug Lennick and Fred Kiel demonstrate why sustainable optimal business performance requires superior moral and emotional competencies. Using new case studies, they identify connections between moral intelligence and higher levels of trust, engagement, retention, and innovation. Readers will find specific guidance on moral leadership in both large organizations and entrepreneurial ventures, plus a new step-by-step plan for measuring and strengthening organizational integrity, responsibility, compassion, forgiveness, and more.  From world-renowned experts in team building and team leadership, including Stedman Graham, Ken Blanchard, Jon M. Huntsman, Doug Lennick, and Fred Kiel
Amazon Coupons
Option Strategies for Earnings Announcements: A Comprehensive, Empirical Analysis [Kindle Edition] was $49.99Ping Zhou (Author), John Shon (Author)http://www.amazon.com/dp/B009R6O392Publication Date: October 15, 2012Publisher: FT Press10 Reviews ★★★★By trading on corporate earnings, investors can reliably profit in both up and down markets, while avoiding market risk for nearly the entire quarter. In this book, two leading traders and portfolio managers present specific, actionable techniques anyone can use to capture these sizable profits. Ping Zhou and John Shon have performed an unprecedented empirical analysis of thousands of stocks, reviewing tens of millions of data points associated with option prices, earnings announcement returns, and fundamentals. Their massive analysis has identified consistent opportunities associated with focusing on the magnitude of the markets reaction to earnings, not its direction. Option Trading Set-Ups for Corporate Earnings News offers concrete guidance for improving the likelihood of making correct forecasts, and managing the risks of incorrect forecasts. It introduces several ways to exploit option trading opportunities around earnings news, discuss Crucial issues that most retail investors havent considered, and explore aspects of earnings-related option trading that have never been empirically examined and documented before. For example, they identify hidden patterns and potential opportunities based on valuation, industry, volatility, analyst forecasts, seasonality, and trades that immediately follow earnings announcements. Simply put, trading on earnings reports offers immense profit opportunities, if you know how. This book provides incontrovertible facts and detailed strategies, not just theories and anecdotes!Option trading on earnings reports offers immense profit opportunities, if you know how. For the first time ever, theres a comprehensive, evidence-based guide to profiting from these trades. This guide reflects analysis of the full universe of all equity options contracts traded over 14 years: objective, empirical results based on millions of observations. The authors distill this unique data set into knowledge you can immediately apply to identify trades with high profit potential and low market risk.Zhou and Shon demonstrate the impact of changes to holding periods, strike prices, expiration months, and other factors. Next, they walk through diverse approaches based on options trades made before, during, and after earnings announcements. Finally, they explore ways to improve profitability by identifying characteristics of securities most likely to support profitable earnings-related trades--even drilling down to specific industries and the impact of analysts forecasts.By trading on corporate earnings, investors can potentially profit in both up and down markets. Moreover, such strategies avoid taking market risk during non-event periods. Now, two leading traders and portfolio managers present detailed, specific, actionable techniques any moderately experienced investor can use to capture these sizable profits.Ping Zhou and John Shon have performed an unprecedented empirical analysis of thousands of companies, reviewing tens of millions of data points associated with option prices, earnings announcement returns, and fundamentals. They have identified consistent opportunities associated with focusing on the magnitude of the markets reaction to earnings, not necessarily its direction. Drawing on this extraordinary body of work, they offer concrete guidance for improving the likelihood of making correct forecasts and managing the risks of incorrect forecasts. Their analysis is based on solid, empirical evidence rather than selective anecdotes, which lends higher credibility to their recommendations. Their quantitative work also helps investors better quantify and manage risks. Option Strategies for Earnings Announcements introduces valuable new ways to exploit option trading opportunities around earnings news, illuminates Crucial issues most investors have never considered, and explores aspects of earnings-related option trading that have never been empirically examined before. Whether youre an options investor seeking profitable market-neutral strategies or an equity investor who wants to hedge earnings-related risk, it provides the end-of-quarter advantage youve been searching for.This is a remarkable book that I would recommend to any active investor who wants to explore event-driven strategies and go beyond simple buy-and-hold. Ping Zhou and John Shon provide some very detailed analysis on trading earnings news with options. They expertly cover directional and volatility trades and trades around earnings announcements, discuss the security selection process, and document the backtest results of their strategies.
--Minh Trinh, Managing Partner, Referee Advisors LLCThe authors have provided a remarkable analysis of how the timing of earnings announcements affects option value. This clarifies the true meaning of volatility, and the exhaustive research that backs up the authors conclusions leaves no doubt about the effects of earnings timing. Whether you prefer long or short positions, in, at, or out of the money, or volatility plays, you cannot ignore the importance of this work. I recommend this book to all serious options traders.
--Michael C. Thomsett, author, Options Trading for the Conservative Investor, second edition, and The Options Trading Body of Knowledge Detailed strategies supported by comprehensive analysis of the actual data: not cherry-picked anecdotes or guesswork
For option investors seeking market-neutral strategies and stock investors who want to hedge earnings risksOption trading on earnings reports offers immense profit opportunities, if you know how. For the first time ever, theres a comprehensive, evidence-based guide to profiting from these trades. This guide reflects analysis of the full universe of all equity options contracts traded over 14 years: objective, empirical results based on millions of observations. The authors distill this unique data set into knowledge you can immediately apply to identify trades with high profit potential and low market risk.Zhou and Shon demonstrate the impact of changes to holding periods, strike prices, expiration months, and other factors. Next, they walk through diverse approaches based on options trades made before, during, and after earnings announcements. Finally, they explore ways to improve profitability by identifying characteristics of securities most likely to support profitable earnings-related trades--even drilling down to specific industries and the impact of analysts forecasts.By trading on corporate earnings, investors can potentially profit in both up and down markets. Moreover, such strategies avoid taking market risk during non-event periods. Now, two leading traders and portfolio managers present detailed, specific, actionable techniques any moderately experienced investor can use to capture these sizable profits.Ping Zhou and John Shon have performed an unprecedented empirical analysis of thousands of companies, reviewing tens of millions of data points associated with option prices, earnings announcement returns, and fundamentals. They have identified consistent opportunities associated with focusing on the magnitude of the markets reaction to earnings, not necessarily its direction. Drawing on this extraordinary body of work, they offer concrete guidance for improving the likelihood of making correct forecasts and managing the risks of incorrect forecasts. Their analysis is based on solid, empirical evidence rather than selective anecdotes, which lends higher credibility to their recommendations. Their quantitative work also helps investors better quantify and manage risks. Option Strategies for Earnings Announcements introduces valuable new ways to exploit option trading opportunities around earnings news, illuminates Crucial issues most investors have never considered, and explores aspects of earnings-related option trading that have never been empirically examined before. Whether youre an options investor seeking profitable market-neutral strategies or an equity investor who wants to hedge earnings-related risk, it provides the end-of-quarter advantage youve been searching for.Let the data surprise you--and follow where it leads
Profit from historical evidence you (and the rest of the market) didnt expectLet the data surprise you--and follow where it leads
Profit from historical evidence you (and the rest of the market) didnt expectMaster volatility-based earnings trades
Trade on the magnitude of earnings-based moves, not their directionRide post-earnings-announcement drift to greater profits
Outperform by combining the right securities with the right strategiesUse advanced analysis to significantly improve your odds
Exploit implied volatility, market cap, valuation, industry effects, and historical earnings announcement returns to improve the probabilities of profitable trades
About the AuthorPing Zhou, Portfolio Manager and Senior Vice President at Neuberger Berman, specializes in portfolio theory, market anomalies, investor behavior, corporate finance, and risk management. Formerly Accounting Professor at City University of New York-Baruch College, he publishes extensively in leading academic and practitioner journals on equity investing. He holds a Ph.D. in Accounting from Georgia State Universitys Robinson College of Business.John Shon, Prof. of Accounting at Fordhams Gabelli School of Business and Graduate School of Business Administration, has earned several grants and awards for his equity markets research and has published extensively in academic journals. He holds a Ph.D. in Accounting and an MBA from the University of Chicagos Booth School of Business.
Amazon Coupons
Bank Loan Funds
Added on : Wednesday July 10th 2013 08:00:08 AM
Bank Loan funds are funds investing in securitized products (repackaged loans)? otherwise I really don`t understand how can a Fund invests in bank loans.
Spill: Secrets from a Former Agency Executive & Spokesblogger [Kindle Edition] was $8.49Jessica Smith (Author), Leah Segedie (Foreword)http://www.amazon.com/dp/B00AP63A06Publication Date: December 15, 2012Publisher: SMITH & MOXIE7 Reviews ★★★★★#19 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedThere are millions of bloggers but how many of them are making a good income from being a spokesblogger? In Spill, Jessica Smith, a former vice president at a global communications firm where she specialized in blogger relations and a former spokesblogger for big brands, shares her secrets only shared with her colleagues and blogging inner circle. Until now.
Learn practical ways to position yourself as a spokesblogger to brands, build valuable relationships with agencies, and stand out from the competition. Jessica also gives clear, concise advice on not sabotaging yourself, pricing and structuring your fees, and establishing valuable partnerships.
Subject matter experts new to the world of blogging will benefit as much as bloggers who want to breakout into paid spokesblogger contracts.About the Author
Jessica Smith enjoys more than a decade of marketing strategy, business development, and social media experience. She's worked with big brands, start-ups, and media titans to craft their digital marketing strategy, identify impactful influencers, develop active and engaged communities, and generate conversations both online and off. She has also served as a spokesblogger for Ford Motors and EA Sports Active and has written for media outlets, including Mashable and Lifetime TV's Lifetime Moms.
She is currently Vice President, Sales & Marketing at CampEasy.com, a search and discover platform for kids' camps.
She started connecting with people online in the late 1980′s when she started using Prodigy and in college in the mid-90′s she was learning and sharing with other college students on Greekpages.com. A graduate of the University of Maryland at College Park, Jessica started her career at Sapient Corporation.
Employee Engagement for Everyone: 4 Keys to Happiness and Fulfillment at Work [Kindle Edition] was $9.95Kevin Kruse (Author)http://www.amazon.com/dp/B00CRTRNNYPublication Date: May 13, 2013Publisher: The Center for Wholehearted Leadership21 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Training#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > Human Resources & Personnel ManagementEmployee Engagement For Everyone is your key to unlocking happiness and engagement at work.Packed with empowering exercises, surprising research and practical action items, you will discover:* The 4 drivers of happiness and engagement
* Your own personal engagement style
* 60+ specific actions you can take to drive your own engagement and the engagement of others
* How to deal with "Debbie Downer" at work
* The power of "5 Daily Engagement Questions"About the Author
Kevin Kruse is a New York Times bestselling author, Best Place to Work award winner, and globally recognized expert on employee engagement and leadership.
Speed Writing Skills Training Course: Speedwriting for Faster Note Taking and Dictation, an Alternative to Shorthand to Help You Take Notes [Kindle Edition] was $9.99Heather Baker (Author), Margaret Greenhall (Editor) http://www.amazon.com/dp/B00BM99NC4Publication Date: February 22, 20137 Reviews ★★★★★#2 in Kindle Store > Kindle eBooks > Business & Investing > Skills > Communication
Speed Writing Skills Training Course: Speedwriting, a guide to faster note taking, an easy to learn alternative to shorthand Most people need a note taking system for work or study but few people have the time or inclination to spend a year or two learning shorthand. BakerWrite Speed Writing enables you to learn a new system in a matter of hours and become proficient within weeks. This book is laid out in 6 easy to follow lessons, that take about an hour each Practical guided exercises, with full answers, in each chapter and each session is rounded off with a dictation passage (available from http://www.UoLearn.com). Save time and become more efficient taking dictation, in meetings, on the telephone, in lectures or interviews. No strange squiggles to learn - just different ways to use the letters you already know Your notes will be easy to transcribe. Enhance your career with a new skill Save time by reducing your written text by an average of 33% - often more. Adapt the system to suit your needs. Free downloadable dictionary and workbook. A terrific opportunity to save time and change your working practices - for the better! What do people think of this speed writing system? "The principles are very easy to follow, and I am already using it to take notes." "BakerWrite is the easiest shorthand system I have come across. Having studied all the major shorthand systems and even other speed writing courses, I find BakerWrite a sheer delight." "I will use this system all the time." "Your system is so easy to learn and use." "I will recommend this course to everyone who takes notes." About the author - Heather Baker Heather studied Pitman shorthand at school and then at secretarial college in Salford, England where she also learned Pitman shorthand in French; she later learned Teeline shorthand and now regularly teaches these. BakerWriteTM is based on her experience with these systems and 22 years as a secretary and PA - taking notes daily. She has been training and coaching secretaries, PAs and administrators since 2000.About the Author
About the author - Heather Baker Heather had over twenty years' experience as a secretary and PA before setting up Baker Thompson Associates Limited in 2000. The company specializes in the training and development of secretarial and administrative staff, www.bakerthompsonassoc.co.uk. She now travels all over the UK working with large and small companies to enable their office staff and PAs to work more effectively and efficiently. She also delivers courses in the Middle and Far East. Heather is a Certified NLP Practitioner. She worked for ICI Pharmaceuticals (now AstraZeneca) and Hewlett Packard; she spent 5 years in France working for the Commercial Director of Cognac Hine and then 10 years with Granada Media working up to Personal Assistant to the Managing Director, commuting regularly between their offices in Manchester and London. She developed this speed writing system to fulfil a requirement by many companies for a quick and easy way for their employees to take notes. The course became very popular and she was often asked if there was a book with the basics of the system - so here it is! To contact Heather please visit the speedwriting section of the publishers' website, http://www.UoLearn.com/speedwriting/speedwriting.html
Technical Analysis of Gaps: Identifying Profitable Gaps for Trading [Kindle Edition] was $35.99Julie Dahlquist (Author), Richard J. Bauer (Author) http://www.amazon.com/dp/B0089EM3GIPublication Date: June 5, 2012Publisher: FT Press23 Reviews ★★★.5#1 in Kindle Store > Kindle eBooks > Business & Investing > Investing > StocksGaps have attracted the attention of market technicians from the earliest days of charting. Theyre not merely conspicuous: they represent price jumps that could signal profitable trading opportunities. Until now, however, "folklore" about gap trading has been common, and tested, research-based knowledge virtually nonexistent. In Technical Analysis of Gaps, renowned technical analysis researchers Julie Dahlquist and Richard Bauer change all that. Drawing on 60 years of comprehensive data, they demonstrate how to sort "strategic" gaps from trivial ones, and successfully trade on gaps identified as significant. Building on work that recently earned them the Market Technicians Associations 2011 Charles H. Dow Award for creativity and innovation in technical analysis, Dahlquist and Bauer offer specific gap-related trading tips for stocks, futures, and options. They consider a wide variety of market conditions, including gap size, volume and previous price movement, illuminating their findings with easy-to-understand diagrams. Coverage includes: understanding what gaps are and how they arise; recognizing windows on candlestick charts; identifying gaps with superior profit potential; combining gaps with other technical techniques for a more complete and effective analysis; and putting it all together with real trading strategies. For stock, commodity, and currency traders in the U.S. and worldwide, and for active individual investors seeking new ways to maximize returns.About the AuthorJulie R. Dahlquist, Ph.D., CMT is a senior lecturer, Department of Finance, at the University of Texas at San Antonio College of Business. She is the recipient of the 2011 Charles H. Dow Award for excellence and creativity in technical analysis. She is the coauthor (with Charles Kirkpatrick) of Technical Analysis: The Complete Resource for Financial Market Technicians and coauthor (with Richard Bauer) of Technical Market Indicators: Analysis and Performance. Her research has appeared in a number of publications, including Financial Analysts Journal, Journal of Technical Analysis, Active Trader, Working Money, Managerial Finance, Financial Practices and Education, and the Journal of Financial Education. She serves on the board of the Market Technicians Association Educational Foundation and is a frequent presenter at national and international conferences. She earned her B.B.A. and Ph.D. in economics from University of Louisiana at Monroe and Texas A&M, respectively, and her M.A. in Theology from St. Marys University.
Richard J. Bauer, Jr., Ph.D., CFA, CMT is Professor of Finance at the Bill Greehey School of Business at St. Marys University in San Antonio, Texas. His degrees include a B.S. in Physics, M.S. in Physics, M.S. in Economics, and a Ph.D. in Finance. He is the author of Genetic Algorithms and Investment Strategies and Technical Market Indicators (with J. Dahlquist), both published by John Wiley and Sons. He is the recipient of the 2011 Charles H. Dow Award for excellence and creativity in technical analysis. His research has appeared in a number of publications, including Financial Analysts Journal Journal of Business Research, Managerial Finance, and Korean Financial Management Journal. He became a CFA charterholder in 1990 and a CMT charterholder in 2010. He is a past president of the CFA Society of San Antonio.
Amazon Coupons
Options for the Beginner and Beyond: Unlock the Opportunities and Minimize the Risks (2nd Edition) [Kindle Edition] was $29.99Edward W. Olmstead (Author), editor (Editor)http://www.amazon.com/dp/B00AU3JU8UPublication Date: December 18, 2012Publisher: FT Press27 Reviews ★★★★#2 in Kindle Store > Kindle eBooks > Business & Investing > InvestingMaster option trading strategies one step at a time! Options for the Beginner and Beyond, Second Edition teaches options through brief, carefully-paced lessons on option concepts and trading strategies, crystal-clear definitions, and plenty of real trading examples. Every lesson builds on the one preceding it, explaining options in plain English, and guiding you all the way to advanced strategies covered in no other introductory tutorial. Drawing on his extensive experience teaching options trading to beginners -- and five years editing a leading options newsletter -- W. Edward Olmstead shows how to systematically control your risk, protect your investments, and maximize your profits. This new Second Edition integrates new coverage of weekly options throughout, and presents updated tax strategies every options trader needs to know. Olmstead shows you how to do all this, and much more:
Select options with high profit potential
∙ Enter and exit trades
∙ Choose brokers
∙ Work with the Greeks, risk graphs, and LEAPs
∙ Use vertical, event producing, and calendar spreads
∙ Trade covered calls, straddles, strangles, married puts, and collars
∙ Master these and other sophisticated strategies: naked options, stock substitutes, backspreads, butteryfly spreads, iron condors, and double diagonals
∙ Implement effective end-of-year tax strategies
∙ Day trade indexes with options
∙ Use delta-neutral trading
∙ Leverage the theory of maximum pain; implied volatility, and Black-ScholesAbout the Author
W. Edward Olmstead has a B.S. from Rice University and a Ph.D from Northwestern University, where he is currently Professor of Applied Mathematics in the McCormick School of Engineering and Applied Sciences. He has received several prestigious awards for teaching excellence including an endowed chair. His teaching activities include courses that cover both the theory of options pricing and practical strategies for trading options.
In the world of finance, Dr. Olmstead has more than fifteen years of experience in the trading of options. He holds a FINRA Series 65 license along with considerable experience as an options consultant. He has written various articles on options for the online media.
Dr. Olmstead was Editor of The Options Professor newsletter published by Independent Investor, Inc. during 2003-07. His consulting activities included service as an options analyst for Spear Capital Management. He also worked on an ultra short-term trading concept for a member firm of the Chicago Mercantile Exchange. Since 2010, he has utilized a proprietary options strategy in the management of funds for a group of private clients.
For more information about Dr. Olmsteads current options interests, go to www.olmsteadoptions.com.
Amazon Coupons
Mind, Time and Power! Using the hidden power of your mind [Kindle Edition]Anthony Hamilton (Author) http://www.amazon.com/dp/B0097TO2MCPublication Date: September 7, 2012Publisher: Hamilton Training Group2 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership"Mind, Time and Power!" describes the new psychology for the 21st century.Traditional psychology is based on a Newtonian paradigm of cause and effect, where the past creates the present. This means that the experiences of our past have created a box within we must live our lives and from which it is difficult to escape.The new paradigm of 'quantum consciousness' is based on the latest discoveries in quantum physics and psychology. It reveals a new model of consciousness in which we find that the human mind is really a kind of time machine, able to gather and process information from both the past and the future and unlimited parallel realities.One aspect of this new view of consciousness is that we each possess a kind of 'future memory'. Our mind works in the future in the same way as it works in the past. What has previously been dismissed as 'day dreaming' and having no value, now is revealed as the most important aspect of our thinking.The true and hidden secret of success is this aspect of consciousness.It only takes a little bit of reflection to reveal that people who are creative and successful are those that use this aspect of consciousness to gather information from possible futures and incorporate this information into their planning and decision making.The simple act of asking ourselves "What if?" reveals that the answers to this question provide us with insights and intuitions which we could have access to in no other way."Mind, Time and Power!" also reveals the true success process.By understanding what your mind is doing when you perform a simply act such as planning a dinner party or a summer vacation you begin to gain insight into the role that this future thinking has on your ability to create, attract and produce more of your goals as physical realities in the present.Instead of your dreams and goals remaining as mere possibilities, they become the seeds of the new physical reality that you enjoy in the here and now each and every day.How would you feel if you knew that you could create your most cherished dreams and goals with absolute certainty?How would it feel to know that what you have considered past mistakes and past problems can be transformed into sources of power which empower you to achieve more of your goals?How would it feel to experience your reality is changing right before your eyes?How would you feel to know, with absolute certainty that the power you need to draw upon to create the life of your choice is within your reach?"Mind Time and Power!" will reveal the secrets of making this vision a reality.
n00b questions on dividend vs. capital gains stocks/mutual funds...
Added on : Wednesday July 03rd 2013 04:00:13 AM
Hi,I am fairly new to investing, but here are some questions that I have on dividend vs. capital gains stocks/mutual funds:How to make use of compounding when investing in stocks/mutual/index funds that pay through capital gains? Do you need to sell index funds yearly or approx. every several years to reinvest the capital gains for the benefits of compounding? Or would one obtain higher capital gains returns by holding the stock/mutual/index fund for the few years? Also, what the the average time frame at which stocks shares appreciate before dropping in price? If you invest in mutual/index funds that track the market, should you follow the individual stocks .Overall, most people hold on to dividend-paying stocks/funds much longer than with capital gains-paying stocks. How long do people hold onto dividend-paying stocks for and what about for capital gains-paying stocks.For capital gains-paying stocks, are these gains ever added to your principal or are they solely virtual gains, that is, until you sell them??Any help will be greatly appreciated! Thank you! -TheLongBoarder
Moods and Markets: A New Way to Invest in Good Times and in Bad (Minyanville Media) [Kindle Edition] was $39.99Peter Atwater (Author) http://www.amazon.com/dp/B008J8RCTWPublication Date: July 6, 2012Publisher: FT Press25 Reviews ★★★★#6 in Kindle Store > Kindle eBooks > Business & Investing > Finance > Finance & Investing#6 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Accounting & Finance > FinanceLeading consultant and Minyanville contributor Peter Atwater has helped institutional investors, corporations and policymakers map changing social moods to emerging market shifts, and use that knowledge to identify huge new market opportunities. Now, Atwater shows you how to use the same powerful Horizon PreferenceTM approach to select your own high-performance investments. Utilizing what is often in plain sight, but overlooked and underestimated, Horizon Preference helps you understand how we narrow our physical, time and relationship horizons to the "local" in bad times, and widen them to the "global" in better times and then translate that knowledge into better investment decisions. Atwaters Moods and Markets offers powerful new insights into everything from market bubbles to the real challenges of making mergers work why "farm to table" and "locavore" movements are booming now, and whats likely to happen next why Americans now want to rent homes even though its become far more affordable to buy them why the "Arab Spring" is bullish, and higher education is in deep trouble which businesses prosper in a downturn, which prosper most in an upturn and why. This book will be an invaluable resource for every serious investor, trader, and money manager.Peter Atwater has used his exclusive Horizon Preference approach to help top asset managers, major endowments, and hedge funds map changes in social moods to shifts in the markets and to identify huge new market opportunities. Now, he shows serious investors how to use the same powerful techniques these top global investors already rely on.  Building on insights from Elliott Wave Theory and Robert Prechters work in socionomics, Moods and Markets shows how we naturally narrow our physical, time, and relationship horizons to the local in bad times and widen them to the global in better times. Atwaters easy-to-understand framework helps investors quickly identify the direction of social mood and the markets using readily available, but frequently overlooked, clues from the world around us. To Atwater there is no coincidence to the Occupy Wall Street movement, The Hunger Games, Downton Abbey, farm-to-table dining, and the rise of Facebook with our volatile stock markets today. Moods and Markets explains why.  Through numerous recent real-life examples, readers will gain deeper insights into short- and long-term investment trends in virtually every key market sector. Along the way, Atwater helps you to identify the consistent mood-based characteristics of market turning points that dont show up in conventional analysisand that can disastrously impact your portfolio if you miss them.  Moods and Markets explains: The difference between mood and emotionand why mood matters more How to use mood to identify significant market tops and bottoms How changing moods drive public sector decisions that impact your portfolio Todays market mood and where we may be headedand how to decide for yourself
About the AuthorPeter Atwater is President of Financial Insyghts, a consulting firm providing advice to institutional investors, major corporations, and global policymakers on how social mood affects decision making, the economy, and the markets. A pioneer in securitization and a long-time financial services executive, through Moods and Markets, Peter brings his innovative social mood-based thinking to the world of investing. A regular contributor to Minyanville, Peters work on social mood and decision making has been featured in The Socionomist, Time Magazine, and The Financial Times.
Amazon Coupons
Mind, Time and Power! Using the hidden power of your mind [Kindle Edition]Anthony Hamilton (Author) http://www.amazon.com/dp/B0097TO2MCPublication Date: September 7, 2012Publisher: Hamilton Training Group2 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership"Mind, Time and Power!" describes the new psychology for the 21st century.Traditional psychology is based on a Newtonian paradigm of cause and effect, where the past creates the present. This means that the experiences of our past have created a box within we must live our lives and from which it is difficult to escape.The new paradigm of 'quantum consciousness' is based on the latest discoveries in quantum physics and psychology. It reveals a new model of consciousness in which we find that the human mind is really a kind of time machine, able to gather and process information from both the past and the future and unlimited parallel realities.One aspect of this new view of consciousness is that we each possess a kind of 'future memory'. Our mind works in the future in the same way as it works in the past. What has previously been dismissed as 'day dreaming' and having no value, now is revealed as the most important aspect of our thinking.The true and hidden secret of success is this aspect of consciousness.It only takes a little bit of reflection to reveal that people who are creative and successful are those that use this aspect of consciousness to gather information from possible futures and incorporate this information into their planning and decision making.The simple act of asking ourselves "What if?" reveals that the answers to this question provide us with insights and intuitions which we could have access to in no other way."Mind, Time and Power!" also reveals the true success process.By understanding what your mind is doing when you perform a simply act such as planning a dinner party or a summer vacation you begin to gain insight into the role that this future thinking has on your ability to create, attract and produce more of your goals as physical realities in the present.Instead of your dreams and goals remaining as mere possibilities, they become the seeds of the new physical reality that you enjoy in the here and now each and every day.How would you feel if you knew that you could create your most cherished dreams and goals with absolute certainty?How would it feel to know that what you have considered past mistakes and past problems can be transformed into sources of power which empower you to achieve more of your goals?How would it feel to experience your reality is changing right before your eyes?How would you feel to know, with absolute certainty that the power you need to draw upon to create the life of your choice is within your reach?"Mind Time and Power!" will reveal the secrets of making this vision a reality.
The Death of Corporate Reputation: How Integrity Has Been Destroyed on Wall Street (Applied Corporate Finance) [Kindle Edition] was $39.99Jonathan Macey (Author) http://www.amazon.com/dp/B00BXH6OEKPublication Date: March 20, 2013Publisher: FT Press3 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > Banks & BankingWhy did the financial scandals really happen? Why are they continuing to happen? In The Death of Corporate Reputation, Yale's Jonathan Macey reveals the real, non-intuitive reason, and offers a new path forward. For over a century law firms, investment banks, accounting firms, credit rating agencies and companies seeking regular access to U.S. capital markets made large investments in their reputations. They treated customers well and sometimes endured losses in transactions or business deals in order to sustain and nurture their reputations as faithful brokers and gate-keepers. This has changed completely . The existing business model among leading participants in todays capital markets no longer treats customers as valued clients whose trust must be earned and nurtured, but as one-off counter-parties to whom no duties are owed and no loyalty is required . The rough and tumble norms of the market-place have replaced the long-standing reputational model in U.S. finance. This book describes the transformation in American finance from the old reputational model to the existing laissez faire model and argues that the change came as a result of three factors: (1) the growth of reliance on regulation rather than reputation as the primary mechanism for protecting customers and (2) the increasing complexity of regulation, which made technical expertise rather than reputation the primary criterion on which customers choose who to do business with in todays markets ; and (3) the rise of the cult of personality on Wall Street, which has led to a secular demise in the relevance of companies reputations and the concomitant rise of individual rain-makers reputation as the basis for premium pricing of financial services. This compelling book will drive the debate about the financial crisis and financial regulation for years to come -- both inside and outside the industry. About the Author
Jonathan R. Macey is Sam Harris Professor of Corporate Law, Corporate Finance, and Securities Law at Yale University and Professor in the Yale School of Management. He is a member of the Board of Directors of the Yale Law School Center for the Study of Corporate Governance, a member of the Faculty Advisory Group of Yales Millstein Center for Corporate Governance and Performance, and Chairman of Yales Advisory Committee on Investor Responsibility. He has served as an independent director of two public companies and is a member of FINRAs Economic Advisory Council and the Bipartisan Policy Center Task Force on Capital Markets. His many books include Corporate Governance: Promises Kept, Promises Broken and Macey on Corporation Law.
Amazon Coupons
What should I focus on?
Added on : Monday July 01st 2013 03:00:06 AM
I'm having a lot of trouble keeping track of my finances, and I'm not sure what I should be focusing on. A bit about my financial status:
- I'm engaged, living in NYC w/ my fiance.
- I'm in my mid-to-late 20's
- I have little to no family / friend support (financially)
- I own no valuable assets
- I earn ~$100k/yr salary
- I am the only income for the household
- My income balances with my spending each month (rent + credit cards)
- I essentially have $0 savings
- And I have $125k in student loansA bit about my goals:
- Have a fairly nice wedding in 1-2 years
- Have kids in ~5 years
- Get a dog sometime soon
- I'd really like to own property at some point, but I could rent forever (NYC)I'm trying my best to manage everything in Quicken, and though it offers good insight into my spending, I'm having trouble figuring out where to go next. Do I pay off debt as fast as possible? Do I start saving / investing?Thanks!
- Y
Young guy trying to make more $$$
Added on : Friday June 28th 2013 06:00:09 AM
So many people go post their current life situation looking for advice. I figure why not give it a go, maybe I'll learn something.I'm 23 turning 24 in September. Work for a University with a salary of $47,000 a year in NJ. (Please note I do not seem myself staying at this position for more than 1-2 more years)$0 School Debt
$470 Car payments (20 out of 36months left 1.9%apr), But Im paying $600 a month to pay it off quicker.
$0 Rent, Living at home with mom to take care of my grandmother. Very small family, just us three. Probably will move once my grandmother is gone or get new job.
$500-$1000 Splurging and necessities [Bills and Credit Cards]. Paid off every month. (never late)6.64% of salary To Pension Plan
5% of salary to 457 plan (Aggressive investments 1/2 roth, 1/2 regular) **Just Started**
$7500 currently in Stocks (I hate appl, down 30% -___-)
$38k in savings account
$3k Liquid in handPack my own lunches, but will spend on average ~20$ a week on eating out. Spend very little during the workweek but dont mind spending some money at the bars weekends (come on, Im young and trying to enjoy life). No GF at this time, which is a clear money saver. But overall only netting $900-1200 cash to my pocket a month from work. I have a solid "job" but the pay has very little room to grow in terms of salary [state cap]. Although the benefits are really solid, 2013 I had 12vaca 12sick and 11comp days(its between my boss and me). I went to Hawaii for a week just for a relaxing vacation and still have 18 days of pto. I would like to earn more money, but I know I need to expand my skill set.I am not that savvy when it comes to financial investments. I know the only way to learn is to keep reading and stay up to date. Other than investing in the "market", I really want to find other investments where I will be able to exponentially grow my money. My friend and I were jokingly talking about opening up a business (coffee shop) once/if marijuana becomes legal for recreational use. It is clearly a new market with a lot of potential for profit. Any advice would be useful. Thanks!
Complete Collection of Financial Resouces
Added on : Tuesday June 25th 2013 11:00:07 PM
How I would go about learning finance today if I was a newbieI've been getting this more and more in my own private life and via PM on here(and a long response just accidentally deleted broke the camels back on me answering it piecemeal).Obviously depending on where you're at already would determine where you would probably want to hop in.It's my belief that most people should follow some pattern like this:
1) They see something in the space that captures their attention and interests them
2) Learn the basic building blocks like time value of money(and get good at it on excel), basic bond valuation, basic macro/micro, etc.
3) Pick up regular financial habit like reading a particular financial news site or show on TV. It just has to be something that interests you enough to be able to keep up with it. This one is very important since most people aren't going to be able to 'crash course' enough information in large blocks of dense reading to really get that far. In most cases it's the regular stuff that really gets someone up there.
4) The real great thing is using google, wikipedia, and investopedia to look up something you don't quite understand every time it comes up from those regular financial habits. See nobody really has the attention span to jump from constant wikipedia entries to more entries. Instead it's the occasional article with some term you don't know much about that spawns a few dense readings that is pretty bearable.
5) Then supplement all of this with the occasional book focused on some particular subject matter that interests you in a more dense fashion.List of many of my financial site bookmarks
Aggregation:
-Street Sleuth probably the best financial news aggregator online that has the last handful of headlines from numerous online sources, many of whom are listed below
-RealClearMarkets Very good focused aggregator of financial news sort of like a Drudgereport of financial news for the day
-Finviz News Besides being quite likely the best free stock screener online Finviz has pretty decent rolling news aggregator
-Then obviously google and yahoo financial news although it's pretty sub par unless you use specific keyword searches into their news search engine.Main general publications:
-Wall Street Journal needs no introduction, WSJ allows a person coming from Google to get by the pay wall a certain number of times a day so if you see an article you want to read just search it's title and you can get past the pay wall
-Financial Times
-CNBC
-Bloomberg
-Businessweek
-Forbes
-Barrons
-NYT Business
-Reuters Business
-Investors Business Daily
-CNN Money
-Fortune Mag(CNN money)
This list is really quite endless and the interesting this is that you'll basically get all of the same information from each of these places because they all rely on the wires to determine content minus maybe a few idiotic personal finance pieces thrown in as filler.Specialized and Original WorkGeneral Dense:
-Zerohedge Despite some of the more apocalyptic postings from some of the staff and very weird comment community they do quite often produce some of the best work in the business
-Dealbreaker A little more 'inter workings' focused news site for original content with a little bit of comedic side of shoveling $hit at key Wall Street players in a TMZ fashion
-Dealbook(nyt) Basically an advanced financial news site for industry professionals
-Market Folly Not particularly high volume, but good valuable information you wont find too many other places. Their weekly "hedge fund links" is usually a great source of info.
-Motley Fool Not particularly more advanced than your typical news site
-247 Wall Street Same as aboveInternational English:
-Globe and Mail Investor
-Spiegel Business
-South China Morning Post Business
-Arabian Business
-African Business News DigitalGeneral Econ:
-The Economist More high brow
-Mish's Global Economic Analysis More low brow
-A lot of this is covered in the general news section otherwise the next place is to go to the think tank publications like Cato, Brookings, etc. depending on the persuasion your after(my quick dig: fyi in this area Krugman doesn't really count since practically all of the think tanks out there actually do real work except him).Trading/Investing News:
-Seeking Alpha Primary utility to me has been their aggregation of company conference calls
-Value Walk Value focused news site
-Value Investors Club Value focused research community
-Wall St. Cheat Sheet Stock specific news and useful earnings report cliff notes
-The Street Even though it's Jim Cramer's baby it has become a bigger player in stock news so it deserves to be mentionedUseful Trading Investment Tools, Research, etc.:
-Zacks Probably best free equity research site
-Morningstar Best free mutual fund and ETF research and info online
-ETF Database Good ETF screener and source of lists
-Finviz Probably the best free stock screener online
-Firecalc Best free historical and/or monte carlo simulator online
-MSN Money Great for stock research particularly in their interactive graphing, historical revenue and income numbers, and tracking of earnings estimates.
-Google Finance Mostly for equity research. Laid out well, but pretty similar to what else you'll see.
-Yahoo Finance Really yahoo key statistics is really all that is left that I like about of habit I still yahoo to look up SEC filings. Places like MSN have mostly beaten them in all the other areas. They have their message boards as a semi unique offering, but those have mostly become a joke.
-Quantum Online Good outfit for researching things like Preferreds
-Big Charts Really nice interactive charts. Great because you can easily customize date ranges, have dividend dates appear on the map, even include the number of news stories for each day, etc. pretty useful
-Earnings Whispers Good source of information on guidance, changes in earnings expectations prior to an earnings release, etc.
-Conference Call Transcripts A search engine for transcripts of company conference calls
-ZenWealth Time Value of Money Calc FYI it defaults to type 0 for payments which means that it assumes end of period payment
-Stock Mapper Mostly just a cool heat map type of site for how the NYSE is doing at any point of the day. Provides a great visual plus it's pretty to look at.
-Citron Research These guys do some pretty damn good short focused researchTech, Angel/Venture Capital, etc.:
-Venture Beat Financial news site for start ups
-Tech Crunch Financial news site for start ups
-Finovate Site for financial start ups. Can watch many of the pitches onlineFollowing Key Financial Investors/Hedge Fund Managers/etc.:
-Financial Titan Thread FWF thread I started covering many famous financial figures
-GuruFocus Site dedicated to following the actions of famous investors
-Hedge Fund Letters A site dedicated to being a depository of letters to investors from various hedge funds. Not particularly up to date on many of them they cover.
-Name.Blogspot One gentlemen has a created a list of blogs for famous financiers and updates new information quite regularly. This one is devoted to Kyle Bass, but if you look in the lower right you'll see other ones this individual follows and posts on.
-Titan Search Query 1 One of 3 search queries I run for a list of names. From there I go to search tools and specify a period of time(maybe 1 month or 1 week) and just look at the recent results mentioning these people. I also go to videos to see if they've done any recent video interviews or presentations
-Titan Search Query 2 Same as before just another list of names.
-Titan Search Query 3 Same as the prior 2Financial Documentaries/Media/Online Class
-Financial Documentaries
-Top Documentaries Go to the Economics section
-Coursera Site for free online courses taught by good professors from top schools
-MIT OpenCourseWare Can look at the course notes of any financial or accounting class you likeTax Information:
-Fairmark Probably the best online source for new tax info out that I know of
-PWC 2013 Tax Planning GuideBooks(note I have a high preference for audiobook so I only *read* a whole book if I think it's worth it):
-The Intelligent Investor
-Security Analysis 6th edition
-Snowball: Warren Buffett
-Berkshire Hathaway Letters to Shareholders (you can actually get all of these online and avoid the book)
-Market Wizards, New Market Wizards, Hedge Fund Market Wizards
-Wilmott's Reading List I probably wouldn't trust anyone more than Wilmott to provide a solid reading list for those that want to look at more advanced books
-Wiley Finance Otherwise if looking at solid financial textbooks today I would mostly stick to what is published by Wiley.Audiobooks(slim pickings out there in good finance books most are the more entertaining sort):
-Liar's Poker
-The Big Short
-Boomerang
-Fools Gold: JP Morgan
-House of Cards: Bear Stearns
-Crash of the Titans: Merrill and BofA
-All the Devils are Here
-The Match King: Ivar Kreuger
-The Dark Genius of Wall Street: Jay Gould
-Den of Thieves: Drexel Burnham Lambert
-King of Capital: Schwarzman
Specifically What Kind of Program Would I Probably Put Someone on That was Interested1) Watch "The Ascent of Money"2) Watch "Commanding Heights: Battle for the World Economy"(probably the biggest list of key world figures taking part in one documentary ever made)3) Seek out a basic understanding of the following concepts(via google, wikipedia, investopedia, or a class on coursera or MIT OCW):
a) Time Value on Money calculations: Should set a goal to get pretty good on multi step calculations on excel
b) Key assets: Coupon bonds, zero coupon bonds, convertible bonds, preferred shares, common stocks, and shares in pass through entities such as Master Limited Partnerships and Real Estate Investment Trusts.
c) Collections of exchange traded assets: ETFs, mutual funds, index funds, etc.
d) Trade execution: Bid, ask, long vs. short, market order vs. limit order, stop loss(don't use), trailing stop loss(don't use)
e) More complicated assets/derivatives: Call option, put option, asset backed security/mortgage backed security.
f) How call and put options operate from the perspective of the seller or buyer to the point they could draw an options return profile themselves.
g) Bond valuation
h) How to read financial statements(income statement, balance sheet, cash flows) knowledge of how to write up journal entries not required.4) Pick up some regular financial habit(s). The list above should provide plenty of options. If I were to suggest a couple I would say:
a) Street Sleuth for a while. You'll eventually start to notice you navigating to particular sites on Street Sleuth, but at first it's a great place to see what headlines grab your attention.
b) Real Clear Markets. Content is just nice and balanced. Good mix of basic and more advanced. Good mix of bullish and bearish work. Good mix of the main news for the day with some of the less talked about stuff. Just a very well designed news site.
c) Whatever else listed above interests you. WSJ is a good choice. So is Zerohedge and Dealbreaker. Snagging video from the financial titan search queries are really interesting as well.5) I would then supplement that with some reading.
-The Intelligent Investor
and
-Security Analysis
are probably the most ideal starting points
This is all I've got for tonight I might add more later on. I'm sure I forgot a bunch and it's getting late.
APMEX - a reputed dealer is selling five 1 Oz Canadian Maple Leaf silver coins for $121.99 with free shipping. http://cgi.ebay.com/ws/eBayISAPI.dll?ViewItem&item=111092121024Don't mean this to become a war thread on fiat vs real money - so this is only for those who are interested in investing in silver coins. One main advantage of this is you can pay with paypal for which you can use a credit card (and hence 1-2% further cash-back). Just as a reference - you can buy this from Kitco.com today for $23 a coin with a minimum purchase requirement of $2500 (money has to be wired in if I understand it right). So beyond a certain size (i.e., 110 coins+) it may make sense to buy from Kitco.
FREE Kindle Book - Employee Engagement for Everyone ... was $9.95
Added on : Tuesday June 25th 2013 10:00:13 AM
Employee Engagement for Everyone: 4 Keys to Happiness and Fulfillment at Work [Kindle Edition] was $9.95Kevin Kruse (Author)http://www.amazon.com/dp/B00CRTRNNYPublication Date: May 13, 2013Publisher: The Center for Wholehearted Leadership21 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Training#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > Human Resources & Personnel ManagementEmployee Engagement For Everyone is your key to unlocking happiness and engagement at work.Packed with empowering exercises, surprising research and practical action items, you will discover:* The 4 drivers of happiness and engagement
* Your own personal engagement style
* 60+ specific actions you can take to drive your own engagement and the engagement of others
* How to deal with "Debbie Downer" at work
* The power of "5 Daily Engagement Questions"About the Author
Kevin Kruse is a New York Times bestselling author, Best Place to Work award winner, and globally recognized expert on employee engagement and leadership.
Learning to Live: Essays on Life and Leadership [Kindle Edition] was $8.99Tom Heuerman (Author), Heather Munro (Editor)http://www.amazon.com/dp/B00D2HIHDAPublication Date: May 28, 20132 Reviews ★★★★★

#5 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership#14 in Kindle Store > Kindle eBooks > Biographies & Memoirs > MemoirsHave you ever thought about starting over and creating the life you want?In 1994, Tom Heuerman did just that, when he traded a successful corporate career for an uncertain personal journey.In this collection of essays, Tom recounts his experiences as a Secret Service agent, a recovering addict, a powerful executive, a mid-life Ph.D. learner, a leadership consultant and as a human being in search of purpose, adventure, and authenticity.Youll learn from Toms hard-won (and sometimes painful) lessons in personal mastery, leadership, and organizational transformation. And youll share in his enthusiasm for new discoveries and affirming relationships.Through his engaging and inspirational stories, youll discover that we can turn losses into new beginnings. Youll see how we can recreate our lives and consciously evolve ourselves. And youll get insights into how you can renew hope and feel more alive and more engaged with life.
Learning to Live: Essays on Life and Leadership [Kindle Edition] was $8.99Tom Heuerman (Author), Heather Munro (Editor)http://www.amazon.com/dp/B00D2HIHDAPublication Date: May 28, 20132 Reviews ★★★★★

#5 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership#14 in Kindle Store > Kindle eBooks > Biographies & Memoirs > MemoirsHave you ever thought about starting over and creating the life you want?In 1994, Tom Heuerman did just that, when he traded a successful corporate career for an uncertain personal journey.In this collection of essays, Tom recounts his experiences as a Secret Service agent, a recovering addict, a powerful executive, a mid-life Ph.D. learner, a leadership consultant and as a human being in search of purpose, adventure, and authenticity.Youll learn from Toms hard-won (and sometimes painful) lessons in personal mastery, leadership, and organizational transformation. And youll share in his enthusiasm for new discoveries and affirming relationships.Through his engaging and inspirational stories, youll discover that we can turn losses into new beginnings. Youll see how we can recreate our lives and consciously evolve ourselves. And youll get insights into how you can renew hope and feel more alive and more engaged with life.
Engineer to Finance Career Change: NEED ADVICE!!
Added on : Saturday June 22nd 2013 07:00:04 AM
I have been working as an engineer for 3.5 years. I have a BS and MS in structural engineering from Georgia Tech. I really don't like engineering and think that a career in finance would better suit me. I think jobs would be easier to find, and my career would be more stable in finance. My question is how do I get a job in Finance??I have heard from alot of people that I should take the plunge and get an MBA. I am heavily considering that and that may be the route I take. Getting an MBA also raises a number of questions in itself. Should I focus on getting a MBA from the best school I can get into? Should I go full-time? Should I go part-time? Should I get an MBA online?

Financing an MBA is also a major concern. I am currently still paying for student loans for grad school. I have thought maybe the best option is to move back in with my parents while getting an MBA and try to find a part-time job. If I moved back in with my parents, I would have to get a MBA from whatever college is in the same city as they are. So the selection would not be that impressive. But I could also just do an online MBA if that would even be a good idea. Ultimately, what I want is to be able to be self-employed to some extent. Would a finance MBA give me that option? Is there any concentration of an MBA program that would give me the option of being self-employed? Or atleast give me the option to moonlight? My ideal finance career would be something on the side of portfolio management, market analysis, trading/investing, and the like. I have basic programming knowledge. I have used mainly Matlab and some python. I am interested in algorithmic trading and have actually created a number of trading algorithms in which I am currently backtesting and optimizing. I have partnered with a friend of mine that is better equipped at coding (he has a M. Comp. Sci.). We are currently working on our own trading platform in which we would implement the trading algo. So, I would love to be able to work on that full-time. But its not to that point yet. In getting an MBA, I hope that would be beneficial for my side venture. In summation, I need advice on the following:
Do I definitely need to get an MBA to be able to switch from engineering to finance?
Will an MBA give me some skills that would enable me to become self-employed or be able to moonlight?
Would having an MBA be beneficial for my side venture of algorithmic trading?I'm sorry if my post seems to be rambled and jumbled thoughts. I truely need some direction, and these decisions are not easy for me to make. I am trying to make the best decision and am hoping to get some good responses.Thank you for your time.
LinkDiscover investing strategies that may help move your portfolio toward your goals.The more you know about the market, the better equipped you are to make confident investment decisions. And now you have the opportunity to get insight from objective third‑party industry professionals at TD Ameritrade Investor Education Day.This one‑day event features seven free webcasts hosted by well‑known industry leaders. Theyll discuss investment ideas you can use to help diversify your portfolio, whether you manage it yourself or prefer support from professionals. See the full agenda.
The Trading Methodologies of W.D. Gann: A Guide to Building Your Technical Analysis Toolbox [Kindle Edition] - was $35.99Hima Reddy (Author)http://www.amazon.com/dp/B009EC01KOPublication Date: September 21, 201220 Reviews ★★★★

#13 in Kindle Store > Kindle eBooks > Business & Investing > InvestingW.D. Ganns works helped to pioneer the discipline of technical analysis, and they still offer immense potential value to investors and traders. However, Ganns original publications are esoteric and can be challenging to read and use. In this book, long-time trader and expert technical analyst Hima Reddy brings these works to life for modern traders and investors. She distills Ganns tenets into crystal-clear, bite-size explanations, and illuminates them with exceptionally intuitive charts and illustrations. Drawing on extensive personal experience, Reddy explains how Ganns insights into price, pattern and time can be applied in all types of markets and market conditions. Using this book, any experienced trader can discover the value of Ganns approach, and start utilizing it in his or her own trades. Then, with Reddys discussion as a foundation, traders and investors can delve even more deeply into all of Ganns works, identifying even greater opportunities for profit.About the Author
Hima Reddy, CMT, was first introduced to technical analysis, and to the works of W.D. Gann, during her high school years by her father, who has had a passion for trading and the markets since the early 1980s. However, it wasnt until after she completed an undergraduate Finance degree at Indiana Universitys Kelley School of Business, and returned to her home state of New York in 2001, that she immersed herself in the markets. She simultaneously volunteered as a sponsorship coordinator for several Market Technicians Association conferences, traded equity and commodity futures under the tutelage and guidance of her father, and completed the Chartered Market Technician certification. In 2006, she joined Informa Global Markets, an independent financial research firm providing live, 24-hour market analysis. As Senior Technical Analyst, she was responsible for producing timely and accurate short-term technical analysis and trading strategies for fixed income and FX markets. With analysis ranging through multiple timeframes, her team also prepared written updates covering longer-term trends. Himas guru has always been Gannthe first market analysis book she ever studied in-depth was How to Make Profits in Commoditiesand to this day that is her go-to guide to the markets. Since 2011 she has returned to trading independently and continues to write about the financial markets. Her primary methods of technical analysis include pattern recognition and time duration relationships within markets based on Ganns methodology, momentum assessment through the use of the Relative Strength Index (RSI), Fibonacci relationships, and moving average systems including the use of channels for trade management. Hima now resides with her husband in Baltimore, Maryland.
Amazon Coupons
Need help with a 5 year plan to retire
Added on : Thursday June 13th 2013 10:00:12 AM
Hi everyone,Ive been a lurker on here for a few months and I have to say Im a big fan. Ive learned some awesome tips and tricks, especially love the one on cc churning. I know there are some smart folks on this forum and Id like to see if guys might have any ideas on how I might be able to pull off retiring in 5 years. I found the Mr. Money Moustache blog about a month ago and the whole philosophy about saving to retire early clicked with me instantly. My husband and I have started making some aggressive moves to start saving more and our goal is to retire in the next 5 years. We've always been pretty frugal but I know we need to take our saving and investing plan to a new level if we really want to make this happen. I'd like to disclose our current financials to get some suggestions on how we might improve.We are both 31 years old.
No kids but would like to have two in the near future.
Current salaries - $190k combined
We own 2 properties:
Apt #1- value of $250k with $140k left on 10 yr mortgage (currently renting out for $2300). Cash flow of $600 per month.
Apt #2 - value of $ 600k with $450k left on 30 yr mortgage (currently renting out for $3350) . Cash flow of $350 per month
We live in an expensive city, so it's hard to get the 1% rule
We are renting an apt. for $1800 per month.We have a retirement stash of IRAs and 401ks that are about $280k. It's a mix of mutual funds, index funds, and individual stocks. We're currently maxing out contributions to 401k and iras.We have about $60k in cash right now. We're thinking of buying another property with it or would like to put it to good use. Let me know if you have any suggestions.In terms of monthly expenses:
Car payment is $319 (3 years left but its at 0%)
Gas $100 (just switched to a job 3 miles away and hubby works at home. Don't think I can bike.. Too dangerous)
Restaurants $300 (will be hard to decrease this. Eating out is a hobby for us)
Groceries $200
Phone $50 (another year to go on my contract)
Internet $50
Pet insurance $35
Utilities $125
Misc shopping $100 (we haven't used this expense in a while but I think it's a fair guesstimate for things like clothes, shampoo, and other random things)I think we need about $1 to $1.5 million to retire. Ideally, we would not have to work part-time after we retire. I think given our expenses we need at least $50-$60K per year in passive income to live comfortably.
Do you guys think we'll have enough in 5 years given the above summary and is there anywhere we can optimize? All ideas are welcome! We're especially looking for some ideas on how to invest better and how to generate more passive income. Thanks in advance!
Dollar Cost Averaging or Lump Sum This Week in Stocks
Added on : Saturday June 01st 2013 03:00:03 PM
Have a large amount to invest this week into a 50/50 portfolio. With the market being up now I get nervous about buying high on stock funds. Would you spread the stock fund investing out over a few months or just go ahead and invest the whole amount this week.
Why your house is a terrible investment...
Added on : Thursday May 30th 2013 01:00:08 PM
Recent blog post that brings up interesting points regarding using a home as an investment. Some folks will have strong opinions about this. What are your thoughts about some of the points that are touched on?LinkPS:I like this guys writing; clear and concise and makes a lot of sense much of the time. It's a good place to learn about finances and investing for those that are new. Check out his several part series regarding investing here and his post about Why you need F-you money
.
I'm interested in finding a tool that would track a (historic) investment over time and calculate in reinvesting dividends.Right now, I use Google Finance to play around with 'what if' scenarios of historic investments. It will handle stock splits and calculate a total value of dividends, but I'd really like to find one that would 'reinvest' the dividends.For example, I have a 'What If' portfolio set up in Google Finance that I keep empty of any shares. If I wanted to see how 1 share of Coca-Cola would have preformed if purchased on the day I was born, I can go into this portfolio and add a transaction on my birthdate for 1 share (separate research shows the share price closed at $76.25).I see that today that 1 share has become 96 shares through splits, and with a value of $3,971.52, and I also see the total dividend income from the shares over the last 36 years is $525.06. It'd be great to find a tool that would give a value with reinvested dividends.Does anyone know if this exists?
How does compounding work with brokerage investments?
Added on : Saturday May 25th 2013 09:00:03 PM
I am new to investing, but I am wondering how compounding works when you buy stocks, index funds, etc. For instance, if you purchase a stock, won't it just rise and fall with how well the stock does in the market? Do you have to sell the stock at high points and then re-invest it at low points to get the "compounding" that is talked about in books, on the web, etc. (see https://personal.vanguard.com/us/insights/saving-investing/power...In a nutshell, if I were to buy an index fund, would the earnings compound if I just let it sit there without touching it? And are these investments compounded daily, monthly, or annually?
Variable Universal Life for Retirement
Added on : Friday May 24th 2013 09:00:12 AM
I posted about this policy I have for my mother last year and decided to keep it but now am reevaluating the policy and have a few questions. The thread can be found here
http://www.fullofdeals.com/forums/finance/1163590/?start=0 I would post there but it is now locked. I also posted something recently on bogleheads but when their site went down the post was lost.The policy is a Metlife Flexible Premium Multifunded Variable Life
Date of Policy: April 2004
Age at Issue: 43
Risk Classification: Select Preferred
Final Date of Policy: Anniversary at 95
Face Amount: $250,000
Death Benefit: Face+Cash Value
Accumulated Value: $12,495
Surrender Value: $11,345(reduced to 0 by year 15)
Premiums: $200.00/month
Total Premiums Paid: $15,250
Expense Charge: 5.5% of Gross Premiums Received
Admin Charge: $5/month
M&E Charge(only charged to funds not in fixed account): .9% for next year, .6% for 5 Years, .3% rest of policy life
Stock/Bond Index Expense Ratio: .27%
Fixed account: 3% Guaranteed but currently pays 4.25%I now own the policy and recently moved all my investment in the policy from stock indexes to the fixed fund of 4.25%(although I might move it to just bond index) and raised premiums to $200 and got a policy illustration (See below). Age/Death Benefit/COI (CV is DB - 250k)
60 282k $60
65 297k $88
70 314k $116
75 331k $195
80 345k $315
85 350k $578
90 331k $1015
95 281k $1470The idea here is to use it as part of my retirement investment as with a life expectancy of 90 (probably less since my mom has diabetes/hypertension/osteoporosis) the policy will pay out around my retirement age. What I want to do is treat this as the bond portion of my retirement investment allocation. The reason I'm using fixed account/bonds is that after crunching some numbers stocks just didn't make sense. Negative returns in stocks in some years that evens out to overall positive returns can have a very negative effect on the policy compared to consistent positive returns that averages out to the same rate (which is what they show in illustrations). Also because of the higher expenses in the policy the higher the expected return of the underlying investment the better off I would have been investing outside.Right now I'm comparing it the policy against investment in the F fund in my Roth TSP account (although I plan to start maxing this out in 1-2 years). Originally I was calculating FV of the surrender value and $200/month at 4.25% would be $311k at 92 which is about what the death benefit would be at at 92 but someone on bogleheads pointed out that the fixed account would be bond returns minus 2-3% so the F fund would have a higher return. For a more apples to apples comparison lets say I move the funds to the available Barclays Bond Index in policy (which match F Fund). Lets assume that I will earn 4.25% net of fees so that my previous illustration stands. Over 30-40 years the M&E charge will average out to about .36% plus the .27% fund expense would make it .63%. TSP only has an expense of .03% so the F fund would earn .6% more per year. So if the F fund earns 4.85% it would be worth 330k at age 90. So if the policy pays out before that I would have a better return. Another thing some people pointed out is that the COI could increase and that I should plan on it being the guaranteed max. The guaranteed COI is 3-4 times more than the rates above so I think that that wouldn't happen. My online search found many insurers(but not Metlife) advertising that they never raised their current COI rates since they started selling VUL. I didn't find any cases but saw that GVUL or term rates were increased for some carriers by 5-10%. Based on the policy illustration I was given I was able to make my own illustration in Excel assuming a 15% increase in all COI rates. All it did was reduce the breakeven period down to 89 and the policy would lapse at 94 instead of lasting all the way to 95. So my question is if it is a good plan to keep policy and treat it like a bond investment. The second thing is which would be better long term the fixed account or bond index with the high ER and M&E charge or a combination of both like Fixed until the M&E is down to .3% in six years.
Seniors investing in condo to collect rent. Good or Bad choice?
Added on : Thursday May 23rd 2013 06:00:10 PM
Hello all FWF Guru.I am a long time reader of this forum. I need to seek advise from this informative community. My retiring parents are planning to use most of their life savings to purchase a $300K condo. It will be an all cash purchase. The reason to collect rent as supplemental income to Social Security. They do not have any other retirement income except for social security. Also the purchase will put under my name. They already own a house, and debt free. I own a co-op and debt free. We live in New York City if that matters. Any advantage or disadvantage of their decision? Any constructive advise will be apprencated.
I am a college student, but have managed to save up several thousand dollars. I want to set aside about two thousand so that it can grow and add money to it whenever I can. This isn't my emergency fund, and I am willing to be exposed to some risk. After doing some reading, I think that an ETF or Mutual fund would my best bet. I dont have enough money or interest to invest in stocks, and I think (correct me if I am wrong) I can expose myself to more risk then CD's, and bonds.I started looking at mutual funds, and it was difficult to find one that out preformed the S&P 500. Since Mutual funds charge anywhere between 0.5 to 2 percent a year to be managed, that takes a chunk out of my money. The only benefit I can see of having a mutual fund is that since its managed, it could prevent me from losing less if something goes wrong. However, I'm not even sure about that. Learning that only 11 percent of Mututal funds outpreformed the S&P 500, I decided to look at an ETF that tracks it. If I buy SPY, which just tracks the SP 500, it will preform better then mutual funds, pay dividends, and charge less for management.Is this good reasoning? I realize that the S&P 500 is at all time high, but Goldman Sachs predicted it would continue to grow to steadily grow till 2015. My other reasoning was that even if it took a dip, its bound to go up again in the long term (3-5) years. Also, I signed up for E*Trade after reading some good reviews of it. I couldn't find anything that was wrong with it, anything I should be looking out for?
Brokerage accounts?
Added on : Monday May 20th 2013 08:00:02 PM
I'm looking to start investing. I have some money (<$10K) to invest. I am trying to find a good broker with tools and reasonable costs. ETrade sucks. I was looking at Tradeking and they surely seem cheaper. I am looking to make <10 trades a year. Any suggestions? Also, I am ideally looking for one with tools that I can just plugin the investment amount, securities, their allocation and it'll buy the appropriate amount of numbers of securities to match that percentage allocation. This is similar to what vanguard allows one to do (you just specify the asset mix and they'll buy the appropriate shares / funds). Any suggestions?
Enterprise Analytics: Optimize Performance, Process, and Decisions Through Big Data (FT Press Operations Management) [Kindle Edition] - was $49.99Thomas H. Davenport (Author), International Institute for Analytics (Author) http://www.amazon.com/dp/B0099RN76OPublication Date: September 13, 20127 Reviews ★★★.5#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > MISThe Definitive Guide to Enterprise-Level Analytics Strategy, Technology, Implementation, and Management
Organizations are capturing exponentially larger amounts of data than ever, and now they have to figure out what to do with it. Using analytics, you can harness this data, discover hidden patterns, and use this knowledge to act meaningfully for competitive advantage. Suddenly, you can go beyond understanding how, when, and where events have occurred, to understand why and use this knowledge to reshape the future. Now, analytics pioneer Tom Davenport and the world-renowned experts at the International Institute for Analytics (IIA) have brought together the latest techniques, best practices, and research on analytics in a single primer for maximizing the value of enterprise data. Enterprise Analytics is todays definitive guide to analytics strategy, planning, organization, implementation, and usage. It covers everything from building better analytics organizations to gathering data; implementing predictive analytics to linking analysis with organizational performance. The authors offer specific insights for optimizing supply chains, online services, marketing, fraud detection, and many other business functions. They support their powerful techniques with many real-world examples, including chapter-length case studies from healthcare, retail, and financial services. Enterprise Analytics will be an invaluable resource for every business and technical professional who wants to make better data-driven decisions: operations, supply chain, and product managers; product, financial, and marketing analysts; CIOs and other IT leaders; data, web, and data warehouse specialists, and many others.About the Author
THOMAS H. DAVENPORT, (Cambridge, MA) co-founder and Director of Research of the International Institute for Analytics, a world renowned thought leader and executive advisor on analytics. His book, Analytics at Work: Smarter Decisions, Better Results, was named a must-read for 2010 by CIO Insight. Davenport holds a Ph.D. from Harvard University, taught at Harvard Business School, and led research centers at McKinsey and CSC. He is President's Distinguished Professor of Information Technology and Management at Babson College; senior advisor, Deloitte Analytics, Deloitte Touche Tohmatsu; and member, Board of Sponsors, MIT Center for Information Systems.
Amazon Coupons
Hi all:I am new to the forum, although i have done some reading on here (still an obvious newb):So my story is I have just graduated with my MBA and will be starting a job in july (salary 107k, 10-15% bonus). So, as a 26 year old, i htink its time i start actively planning my money and funds. I guess I'll start with my monthly fixed expenses
Rent+utilities = about 1000 a month
Student loans (40k total)=around 500/month
Car insurance 65/month
Phone 110/month So thats around 1700/month fixed expenses
I figure (due to paycheck calculators) getting around 3k per check (2 a month) for 6k a month. The way I'd like to do this is to keep it to spending one check for expenses (so add food/entertainment to the 1700, i dont see myself spending 1300 on that a month though hah).So that leaves me with about 3k a month With this i have a few goals.Create a 6 month emergency fund (fixed expenses x 6=10,200)
Max out my 401k (employer matches 4% of pay so I would have to come up with about 12k/ a year)
Invest whats left over in an index fund or mutual fund (any advice here? I was thinking index fund as i am pretty risk averse and would rather have a consistent 3-5% return type fund that i add to as much as i can...Was thinking about a vanguard fund)NOTE: Bonuses will go for the most part into investing as well (should have 10-15k bonus this year and on)Lastly youl want to kill me here, but I really want an audi a5 in 2 years or so......now any saving for this will come from that 1300/month i have for variable expenses (save the money left over for this indulgence of mine)ANy thoughts, critiques? Thanks guys. Look forward to learning from you all
FREE Kindle Book Collection - Managing the Global Supply Chain
Added on : Thursday May 16th 2013 08:00:04 AM
Managing the Global Supply Chain (Collection) [Kindle Edition] - worth $119.99Chad W. Autry (Author), Thomas J. Goldsby (Author), John E. Bell (Author), Arthur V. Hill (Author) http://www.amazon.com/dp/B00BNSSJ06Publication Date: March 4, 2013No Reviews#1 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations This collection consists of these 2 Books
Encyclopedia of Operations Management, The ; A Field Manual and Glossary of Operations Management Terms and Concepts (FT Press Operations Management) [Kindle Edition]Arthur V. Hill (Author) http://www.amazon.com/dp/B005DKQQKAPublication Date: July 19, 2011Current Price: $27.49 (Digital List Price is $49.99)AND
Global Macrotrends and Their Impact on Supply Chain Management: Strategies for Gaining Competitive Advantage (FT Press Operations Management) [Kindle Edition]Chad W. Autry (Author), Thomas J. Goldsby (Author), John E. Bell (Author) http://www.amazon.com/dp/B00AU889V4Publication Date: December 3, 2012Current Price: $45.59 (Digital List Price is $79.99)
Amazon Coupons
Backdoor Roth boo-boo?
Added on : Tuesday May 14th 2013 11:00:10 AM
This is my only FW account and I admit to being a FWF failure!In 2011 I read about the "backdoor roth ira conversion" similar to this recent article: http://www.marketwatch.com/story/backdoor-roth-ira-conversion-ta... due to my income not letting me do a roth directlySo in 2011, I invested $5,000 or $5,500 over 5-6 months with after tax non-deductible dollars. I failed to read the part about investing it all up front and immediately converting 100% of it. Mistake #1. So by the time I did convert the traditional IRA to a Roth IRA in 2011, it had grown to $7,805.When I got my tax forms, it said I took a distribution of $7,805 as income. Mistake #2 - "this can't be right, going to ignore this" I figured since I never put this money in my bank, they got it wrong. Mistake #3 - I failed to even realize I should at least owe taxes on the gains I had. ("ya right pay your bills deadbeat" blah blah blah)Fast forward to today, IRS sent me a letter saying my reported income does not match what they have, and I owe taxes on $7,805.Obviously I owe taxes, my question is do I owe taxes on the full amount or just the gains I had on my initial after tax non-deductible dollars I invested?
Investing question about purchasing stock above/below the SMA.
Added on : Tuesday May 14th 2013 07:00:09 AM
I've new to investing, but have been doing lots of studying. There is one particular thing I come across time and time again though that I simply do not understand.It is said over and over again in many places that a good time to buy a stock is when it is above the simple moving average, or exponential moving average. I do understand this indicates an upward momentum, however in my mind this does not seem like the time to buy. In my mind it seems like if a stock has jumped up and is trading higher than its moving average, that its just waiting to correct itself and go back down to its average.In my mind it seems like the prime time to buy is when a stock is trading below its moving average. Like they say, buy low and sell high. It seems like if it is below its moving average, that it is just waiting for a correction to happen to bring it back up to its average or above. Seems like the prime opportunity to buy when its at a low, ready to jump back up again.Yet everything I read seems contradictory to that. So can anyone help elaborate on this?
Pay a private student loan in full while in college?
Added on : Sunday May 12th 2013 02:00:11 PM
I recently came into some money via an inheritance and think its probably best to settle my private student loan (appx. $50k) in full as the interest rate is 7,25%. Its gonna be hard to beat that rate that investing the money. I know I'm allowed to make interest payments while a "in school" status, but am I allowed to pay off the balance in full?TYA
FREE Kindle Book - Secrets of the Big Data Revolution - was $19.69Secrets of the Big Data Revolution [Kindle Edition] - was $19.69Jason Kolb (Author), Jeremy Kolb (Author)http://www.amazon.com/dp/B00CLSW0RAPublication Date: April 18, 20136 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Industries & Professions > MIS In 2010 Eric Schmidt, then CEO of Google, stated that we now create as much data every 2 days as we did from the dawn of man through 2003. In fact, in 1212 we created about 2.5 quintillion bytes of data daily--approximately 90% of all the world's data has been created in the past 2 years.Our world is transforming as the data deluge knocks us out of our old ways and into a data driven reality. Some companies are winning by taking advantages of the opportunities in this evolving world while others are falling behind. Big Data promises to give us a world driven by information and solid data, bringing far greater productivity, increased profits, and lower costs; and in "Secrets of the Big Data Revolution" we explore those winning strategies and techniques and the tools behind them. Want to learn how companies like Amazon, Target, and IBM use data to gain competitive advantages? Or how Obama used Big Data tools to better utilize his resources? "Secrets of the Big Data Revolution" was written for the non-or-only-slightly-technical business person in mind--but in a way that gives you enough meat behind the ideas so that you have a roadmap that tells you how to get where you want to go. It uses real-world examples and case studies to illustrates the concepts and explore the technology that makes them happen."Secrets of the Big Data Revolution" is comprised of four parts:Part 1: Data Science
In Part 1 we first introduce you to the world of data science and analytics. These are the tools companies and governments use to refine their crude data into valuable insights. In this section, we'll look at the magic behind Amazon's success, and see how data is leading towards a near Minority Report future.Part 2: Big Data
Data is growing at an exceptional rate, we produce more data now in a day than we did from the dawn of man till 2003. This explosion of data creates many unique struggles as well as opportunities. In this section we'll look at how Obama invested in Big Data during his presidential campaign, and explore how startups are revealing data that saves their clients substantial capital.Part 3: Tools of the trade
Data Scientists cannot just look at big data and get value from it, it doesn't matter how good they are. The data is just too big. So companies like IBM and Microsoft build tools that help people make sense of data, and hopefully discover new useful insights from it. The two primary categories of tools you need to be aware of are Business Intelligence and Data Discovery. In this section we explore these broad terms, and show how companies are designing more specialized tools for specific purposes.Part 4: Gazing into the Future
In order to position yourself well for what is to come you need to know where we are now and almost more importantly where we are going to be in the near future. In this section we explore the trends that are going to matter as we move forward in this emerging technology industry. Computerized Data Analytics is truly still in its early stages of development, and things are going to change as new innovations come to the forefront. If we are serious about gaining the data advantage, we need to stay ahead of this curve. "Secrets of the Big Data Revolution" is your tool to understanding this complex new reality of your world. Get it today and don't miss out on the data driven future.
Amazon Coupons
Hi all, I did a search, but couldn't find anything relating to this... If it's already been discussed, I do apologize for not finding itWithin the past 2 days I've received two of these offers. Typically these would be used to get easy access to cash, to make purchases or to do balance transfers. Normally I would have just shredded them and thrown them away as soon as I'd received them, but I started thinking about it and I was wondering if there was any way that I could make some money off of them. They both offer 0% APR for 12 months, but they do have transaction fees associated with them ranging from 2% to 4%. Obviously I'd need to find a reliable way to earn more than the 2%-4% just to break even.I was thinking of investing the money into a CD or something similar, but the interest rates these days don't allow for much gain, if any. Stocks would be another possibility, but without some insider knowledge, it's basically just a crap shoot. I could have better luck just going to Vegas and putting it all on Black for one spin.What do the rest of you normally do with these (aside from shredding them)? Any tips on how one could use these to make some money?
currency investing
Added on : Friday April 26th 2013 07:01:15 AM
hi, whats the best & cheap website to use for currency investing? i use optionhouse for regular investing but it doesn't allow currency investing.
Firms of Endearment: How World-Class Companies Profit from Passion and Purpose [Kindle Edition] - was $39.99Jagdish N. Sheth (Author), Rajendra S. Sisodia (Author), David B. Wolfe (Author)http://www.amazon.com/dp/B0093J9OPG
Publication Date: January 30, 200330 Reviews ★★★★.5Todays best companies get it. From Costco to Commerce Bank, Wegmans to Whole Foods: theyre becoming the ultimate value creators. Theyre generating every form of value that matters: emotional, experiential, social, and financial. And theyre doing it for all their stakeholders. Not because its politically correct: because its the only path to long-term competitive advantage.
These are the Firms of Endearment. Companies people love doing business with. Love partnering with. Love working for. Love investing in. Companies for whom loyalty isnt just real: its palpable, and driving unbeatable advantages in everything from marketing to recruitment.
You need to become one of those companies. This book will show you how. Youll find specific, practical guidance on transforming every relationship you have: with customers, associates, partners, investors, and society. If you want to be greattruly greatthis is your blueprint.

Were entering an Age of Transcendence, as people increasingly search for higher meaning in their lives, not just more possessions. This is transforming the marketplace, the workplace, the very soul of capitalism. Increasingly, todays most successful companies are bringing love, joy, authenticity, empathy, and soulfulness into their businesses: they are delivering emotional, experiential, and social valuenot just profits.
Firms of Endearment illuminates this, the most fundamental transformation in capitalism since Adam Smith. Its not about corporate social responsibility: its about building companies that can sustain success in a radically new era. Its about great companies like IDEO and IKEA, Commerce Bank and Costco, Wegmans and Whole Foods: how they earn the powerful loyalty and affection that enables truly breathtaking performance.

This book is about gaining share of heart, not just share of wallet. Its about aligning stakeholders interests, not just juggling them. Its about building companies that leave the world a better place. Most of all, its about why you must do all this, or risk being left in the dust... and how to get there from wherever you are now.About the Authors
Rajendra S. Sisodia
Raj is professor of marketing and founding director of the Center for Marketing Technology at Bentley College. He has a Ph.D. in marketing and business policy from Columbia University. He has published nearly 100 articles in journals such as Harvard Business Review, Journal of Marketing, Journal of Business Strategy, Journal of Business Research, and many others. He also writes frequently for the wall street journal. His research, teaching, and consulting expertise spans the areas of strategic marketing, marketing productivity, marketing ethics, and stakeholder-based marketing. In 2003, he was cited as one of 50 Leading Marketing Thinkers by the U.K.-based Chartered Institute of Marketing. Raj consults with and provides executive seminars for companies in various industries. Clients have included Sprint, Volvo, and IBM, to name a few. He coauthored The Rule of Three (Free Press, 2002) with Jag Sheth. Other recent books include Tectonic Shift: The Geoeconomic Realignment of Globalizing Markets (Sage Publications, 2006) and Does Marketing Need Reform? (M.E. Sharpe, Inc., 2006), both with Jag Sheth. Forthcoming books include The 4As of Marketing and Marketing Management (John Wiley & Sons), also with Jag Sheth.

David B. Wolfe
David is an internationally recognized customer behavior expert in middle-age and older markets. He is the author of Serving the Ageless Market (McGraw-Hill, 1990) and more recently Ageless Marketing: Strategies for Connecting with the Hearts and Minds of the New Customer Majority (Dearborn Publishing, 2003). Davids consulting assignments have taken him to Asia, Africa, Europe, and throughout North America. He is widely published in publications in the United States and abroad. He has consulted to numerous Fortune 100 companies, including American Express, AT&T, Coca-Cola, General Motors, Hartford Insurance, Marriott, MetLife, Prudential Securities, and Textron.

Jagdish N. Sheth
Jag is the Charles H. Kellstadt Professor of Marketing in the Goizueta Business School at Emory University. He has published 26 books, more than 200 articles, and is nationally and internationally known for his scholarly contributions in consumer behavior, relationship marketing, competitive strategy, and geopolitical analysis. His book The Rule of Three (Free Press, 2002), coauthored with Raj Sisodia, has altered current notions on competition in business. This book has been translated into five languages and was the subject of a seven-part television series by CNBC Asia. Jags list of consulting clients around the world is long and impressive, including AT&T, GE, Motorola, Whirlpool, and 3M, to name just a few. He is frequently quoted and interviewed by the wall street journal, New York Times, Fortune, Financial Times, and radio shows and television networks such as CNN, Lou Dobbs, and more. He is also on the board of directors of several public companies. In 2004, he was honored with the two highest awards bestowed by the American Marketing Association: the Richard D. Irwin Distinguished Marketing Educator Award and the Charles Coolidge Parlin Award.
Amazon Coupons
In your opinion, for a high school senior who's choosing a career path, which of the following requires the 1st most, the 2nd most, and the 3rd most:1. Training or education
2. Luck or abnormally high IQ
3. Overall likelihood of getting richA doctor, lawyer, investment banker, or something else (real estate, investing well, being thrifty, etc.)? Feel free to discuss specific specialties or practice areas in your response. Background: A bunch of us have been debating this lately, so I want to know what you think. Career counselor isn't helpful. Student has an A average and is a high school senior. He's well-rounded and kind of likes all school subjects equally.
Potentially Undercut Vanguard: 2 Tools For Cheap Diversification
Added on : Saturday April 20th 2013 04:01:08 PM
I previously wrote up a thread about the current economic environment we're in for investors and one of things I brought up in that thread is that many index investors might be way overweight certain risks and that you may want to look at breaking up risk components(not only risks that are associated with a specific asset class, but looking at other things like interest rate risk, inflation risk, maybe sector risk, etc.) and then rebalance those risks every year just like you would rebalance asset class risk.Thread: Environment Getting Touch for InvestorsBut the obvious problem with that is that if you have a smaller portfolio the ticket charges for breaking an index up into it's components(assuming your breaking them up into more than a few components) can get pretty cost prohibitive, and break one rule of Bogleheads methodology which is to keep portfolio costs low.Now one way around that is to just take advantage of the super low costs at a broker like Interactive Brokers, but then have to deal with the snooty customer service people at such a broker.I now have found 2 other very interesting options available to be able to recreate your own indexes for very cheap trade costs.I present you Motif and FolioMotif opened it's doors last year and has some serious backers behind it: Backers which include Goldman Sachs, the fmr. head of BofA wealth management, and the fmr. chairman of the SEC.It makes sense why it's getting that kind of attention because I've personally been curious about ways to put on your own basket for cheap trade costs. Also realize that I can't remember the last time Goldman backed a financial start up like this which is saying something(again I can see why this is pretty smart option available for people that like cheap diversification, but want to build their own basket).Motif Costs: Look at this and you'll realize that you can conceivably break up any index you want to into up 30 components for the cost a few bucks. Also, if you just create your own index you could conceivably create several of these things with 30 components and again only pay a few bucks for each one and conceivably get lower costs than even Vanguard offers on their large index funds.
Folio on the other had allows you to put in as much as 100 components, but it's costs are slightly higher.
Folio Costs: Basically you would probably go on the unlimited plan so that you add to your position in your own index every month as your income comes in without having to worry about getting ticket charges every single time. At the point of about a $200k portfolio your internal costs match about what a place like Vanguard charges, but again you get to custom create your own basket(your own index) with no internal expense costs minus just $290 a year.
So just some food for thought. I did notice that Motif was brought up on here once before purely on the basis of an account bonus, but apparently everybody missed the high utility for being able to custom create index's for low trading costs.I'll be reading more about the details of each in the coming hours so the details I have are still limited, but I figured some people might be able to appreciate this being brought to their attention.
Pay down debt vs. Investing vs. Saving for house
Added on : Thursday April 18th 2013 03:01:00 PM
I am seeking advice on how to meet the goals that my wife and I have set for ourselves. I am 23 and she is 22. We both are one year out of college and live in a low COL area. We are currently saving $1000.00 a month after our bills. I expect our income will increase 7% annually.We currently have $18,000.00 sitting in a high interest savings which we say is our emergency fund. This is approximately 6 months worth of expenses. We have been married for almost 1.5 years and within this time both of our cars died. We have two car loans which sit at $9500.00 @ 2.75% and $15,000.00 @ 1.99%. These are our only debts.We would like to buy a house within the next few years, but our struggling with the fact that we would like 20% down to avoid PMI. We need to save $32,000.00 to purchase a house that would meet our future needs.My question is how would one go about saving for the future? Would you start investing now or wait until all debts are paid? Would you keep things the way that they are and invest as well as save for a home? I feel like we are doing well, but want to stay ahead of the game.Any advice would be well appreciated it.Thanks,John
Investment income through stock trading
Added on : Wednesday April 17th 2013 05:01:07 PM
This is not really a right forum to open up this discussion but I think people here are very experienced and I am just open to knowing what people think or if they have any experience.
Last weekend couple of my friends were chatting about investing in stocks and following questions came up:
1. We are on H1B visa, so can investing income(from stock trading) exceed (that is everybody's dream..right?) the employer salary
2. If yes, will this be considered an active investing and will affect the status in the states? (tried to google active vs passive but it is very vague and very few official information) Let me know what you guys think.
saving money on groceries by investing in stocks??
Added on : Monday April 15th 2013 01:02:12 PM
Hello, I just thought of an idea for how to save a lot of money on meals, but I have many questions regarding my plan to save money on food, before I implement my plan. I am sure someone in FWF finance will be able to help me with these questions about shareholder meetings.
I received a notice of shareholder meeting today in the mail, along with some big boring booklet. I am thinking they will serve a delicious meal at this meeting. However, the meeting is in New York and the booklet does not say anything about food.
Does anyone know if companies serve wholesome meals at these shareholder meetings? I'm looking for really good grub, not continental breakfasts or bear claws or anything like that. Something you need a fork and knife to eat. Who has been to one of these meetings? Whats it like?
Anyway, if they serve meals at these meetings, is there some way to find out which companies hold shareholder meetings in my city? I live in the Twin Cities area, so I imagine there are a few such companies. Many companies are headquartered here, so I am thinking that they hold shareholder meetings where their corporate headquarters are? Does anyone know if my assumption is correct? And how can I find out whats on the menu for the shareholder meeting?
My possible plan is to buy one share of each company that holds a shareholder meeting in my town. It seems like a wise investment because if the share price is low enough, I can just hold onto the investment and keep getting meals year after year. I can buy a share of McDonalds and get free big macs at the shareholder meetings year after year (and I get to keep the stock).
This may be pushing it, but does anyone know can I bring my family to a shareholder meetings so we all get fed, or do all of us need to own a share before they will give us food? Also what do they do with the leftovers? Can shareholders take leftovers home?
Anyone with some insight on this, please let me know!!
Since 2008, I have noticed that many otherwise rational people seem to be doing what I call "investing by faith." I use this term to describe people who seem to invest significant amounts of money into one type of asset. But these investments seem to be based on articles of faith - no matter what the actual objective state of the market or asset class may be, certain people seem to just keep plowing more money into them. The best example I can think of is gold, but its not the only thing - bit coins is another good example. I note that the goldbugs (and bit coins), as irrational as their behavior has been, have made out quite well and no one can deny it. But for a real goldbug - someone who just keeps buying gold because they think hyperinflation/economic doom/etc will be "any day now" - that return on investment in gold over the past few years has really just been a function of pure luck. Because they'll buy it under any condition, its an article of faith. In reality, the party can't last forever, and what surprises me is how many goldbugs I've encountered that bought at 1800-1900 and are still burying physical bullion in their backyards - meaning that even if they wanted to sell it (and they wouldn't remember - gold's price going up is an article of faith for them) they couldn't do so quickly. I realize in making this post that the people who are doing what I am talking about are going to try to say that index investing is a "act of faith" in the stock market. And broadly speaking, you are correct. But I am talking about irrational investing via faith in some asset class vs. rational, data based investing. Its true rational, data based investing involves some sort of "faith" in its broadest terms. Index investing is based on the objective evidence that - over long time periods and with enough diversification - you can get a reasonable return on investment. That is a belief. But its a very different sort of belief than say thinking you should plow all your retirement into gold because the economy is going to collapse (ignoring all objective indicators of the economy because obviously the government is making up the unemployment number) and were going to have hyperinflation (ignoring CPI because obviously the government is making it up that inflation is not really a concern right now). So my question is - is this a trend anyone else has noticed? Any way to profit off it?
Since 2008, I have noticed that many otherwise rational people seem to be doing what I call "investing by faith." I use this term to describe people who seem to invest significant amounts of money into one type of asset. But these investments seem to be based on articles of faith - no matter what the actual objective state of the market or asset class may be, certain people seem to just keep plowing more money into them. The best example I can think of is gold, but its not the only thing - bit coins is another good example. I note that the goldbugs (and bit coins), as irrational as their behavior has been, have made out quite well and no one can deny it. But for a real goldbug - someone who just keeps buying gold because they think hyperinflation/economic doom/etc will be "any day now" - that return on investment in gold over the past few years has really just been a function of pure luck. Because they'll buy it under any condition, its an article of faith. In reality, the party can't last forever, and what surprises me is how many goldbugs I've encountered that bought at 1800-1900 and are still burying physical bullion in their backyards - meaning that even if they wanted to sell it (and they wouldn't remember - gold's price going up is an acticle of faith for them) they couldn't do so quickly. I realize in making this post that the people who are doing what I am talking about are going to try to say that index investing is a "act of faith" in the stock market, but its not. Index investing is based on the objective evidence that - over long time periods and with enough diversification - you can get a reasonable return on investment. So my question is - is this a trend anyone else has noticed? Any way to profit off it?
Investing with Volume Analysis: Identify, Follow, and Profit from Trends [Kindle Edition] - was $49.99Buff Pelz Dormeier (Author) http://www.amazon.com/dp/B004QQ3NGMPublication Date: March 16, 201141 Reviews ★★★★.5In the continual pursuit for higher profits, investors and traders alike often assume significantly higher risks while chasing the next hot opportunity. Other more sophisticated investors attempt to employ complicated indicators while not fully understanding the information the indicator was designed to reveal. On the other hand, savvy investors employ analysis to gauge the market, positioning themselves to potentially earn higher profits with significantly less risk. Volume analysis attempts to delve deep inside the market trends to help identify shifts within the markets. Investing with Volume Analysis: Identify, Follow, and Profit from Trendspresents an enlightened perspective on the role of volume, not only in pragmatic terms but also in terms of apprehending the underlying rationale of how and why. Award-winning technical analyst Buff Pelz Dormeier teaches state-of-the-art methods for analyzing the relationship of volume to price movements and the evolution of market trends. About the AuthorArmed with proprietary indicators and investment programs, Buff Pelz Dormeier, CMT dynamically manages private investment portfolios for affluent individuals, institutions, trusts, and endowments. Buff builds customized strategies designed to meet or exceed a clients specific investment objectives in what is often uncertain market conditions. This is accomplished by utilizing proprietary state-of-the-art portfolio management tools designed to grow and preserve wealth in a risk-conscience manner.  In Buffs 15+ years in the securities industry, he has been employed as a financial advisor, an analyst, and a portfolio manager. An award-winning industry innovator, Buff is the developer of Volume Weighted Moving Averages (VWMA), the VW-MACD, the Volume Price Confirmation Indicator (VPCI), VPCI Stochastics, the Anti-Volume Stop Loss (AVSL), the Trend Thrust Indicator (TTI), Capital Weighted Volume Indexes, and a host of cap-weighted, volume-based breadth indicators.  As a celebrated source of investment knowledge, Buffs work with market indicators and trading system design has been published and/or referenced in Barrons, Stocks & Commodities, SFO and Active Trader magazines, and the IFTA & MTA Journals. A Chartered Market Technician, Buff received the 2006 Charles Dow Award recognizing research papers breaking new ground or which make innovative use of established techniques in the field of technical analysis. The Charles H. Dow Award is considered one of the most important recognitions in the field of technical analysis. He has also been a featured speaker at national and international conferences including Expo Trader Brazil, the TradeStation World Conference, and the Moneyshow International Traders Expo.  Buff was a double major graduate of Indiana State University participating in varsity track and cross country as a student athlete. Still an avid runner, Buff is a former Indiana Marathon champion.
Amazon Coupons
Environment Getting Tough For Investors: My Breakdown
Added on : Wednesday April 10th 2013 07:01:17 PM
In the interests of providing some food for thought to the FWF community I thought I would post this for investors here curious about ideas on how to position themselves going forward. I know a lot of smart people right now are looking at the current situation realizing that just about every investment out there is loaded with uncompensated risk and that even includes assets like cash which historically haven't had that much uncompensated risk associated with it. Now I by no means have a crystal ball and if you don't care about the thoughts of some guy on the internet then by all means don't read this. I wouldn't be posting if I didn't think there was some valuable insights in here, but feel free to take everything with a big grain of salt. And sorry for the book, but honestly something as complicated as capital markets requires length otherwise it's not even worth reading or writing.In this I'll address strategy going forward for both more active participants as well as for the Boglehead passive investors(yes I think even you guys have always had a small amount of decision making, it's just a lot smaller than most people; I'll explain it below). The basic fundamental problem that I see among investors today is that just about everything they're relying upon for how to invest for the future is predicated on falling interest rates and falling inflation rates. For 30 years falling interest rates have been the name of the game, and I think the typical investor out there does not understand how Crucial interest rates are to everything they invest in. It is likely a more important factor than any other factor in the entire marketplace and runs through everything. Everything from the valuation of the bond market to the discount rate that equity investors use to value equities to the input costs of firms relying upon short term debt to factoring receivables to sovereign financing to mortgage and home buying/building activity, etc. To give retail investors an idea think about how much you've heard about the impact of higher gasoline prices has on the economy individually and commercially and multiply that concept in your head by at least 10 times and you'll have an idea. Now this isn't some big bearish case at all, clearly economies can function alright with higher gasoline prices and the same is the case for higher interest rates or higher inflation for that matter. The point is that the way the economy and capital markets function under that paradigm shift is very different than what you've grown accustomed to, but while that is the case the vast majority of the 'rules of thumb', assumptions, etc. that all of you and practically every investor out there rely upon involve past history that stretches back 5 years, 10 years, 20 years, or 30 years that all share falling interest rates as a key component in the data you are seeing. Hell if you even go back 50 years most of that data is still colored by a falling interest rate environment and so that is what you'll receive back to confirm these notions that may no longer hold true.
Now I want to be clear about one thing and that is that I'm not predicting US rates to rise in the very near future. I honestly believe I have several rather strong arguments as to why that is probably some time off yet(and quite potentially further falls in US rates before that even happens), but in order for a person to invest wisely over the short term(if desired--obviously not applicable to passive investors) they need to have a good 'home base' or a reliable investment paradigm for the long term in order to feel comfortable with the way they are positioned. So that is why I'm bringing this up. The long term assumptions you're operating off of are likely flawed, and 30 years of pro-cyclical behavior has stacked the quantity of possible bad investments at many multiples of the quantity of good possible investments. And how are you going to deal with that likely reality?
The fundamental underpinning of my argument is that if you bought 50% bonds and 50% equities in the 1980s forgot about it and woke up in 2013 you would have done pretty well over that period of time. On the flip side if you did the same in the early 1960s you probably woke up 30 years later with a *loss* in real terms. That's 30 years and you had a loss. You're fixed income positions took continued capital losses in higher interest rates, the stock market wasn't much of a help, and the purchasing power of your earnings was devalued. There is a term for this; confiscation by the public and private printing press and for the most part it does not discriminate based on what type of financial instrument you own. Again before you accuse me of being an inflation hawk that isn't the only possibility in such an environment there are 2 others(which I'll get into) and I'm not writing this to say which one is the most likely only that you have 3 possible scenarios that are all not ideal for investors long term from where we sit today.
The next assumption that I operate off is a general conceptual way that I believe the world's key policy makers are approaching problems today. And it's not very complicated. Basically, whenever presented with a problem they need to fix they always seem to choose to stack massive quantities of different types of tail risk onto the system for the future in exchange for only a marginal benefit today. For the financially astute, central bankers and politicians have basically made the determination to be sellers of black swan derivatives thinking they can take the small economic benefit today in exchange for taking on the risk of an unlikely event in the future and whenever they find a problem they just add to that position(like a person paying their credit card bills by selling options). For the less financially astute think of a gambler who show's up at the race track and bets against the worst horse every single time and treats the proceeds as income. They might be able to get away with that for a while, but likely not forever(and guessing when is extremely hard). That is your policy makers around the world and they do that because they feel their citizenry demands it(like a boss saying give us earnings no matter where you get them from).
Now lastly in terms of the assumptions I operate off of(and you can feel free to disagree) I alluded to basically 3 possibilities going forward. And these are from where you stand when you're currently at the lower bound of interest rates.
1) Higher inflation
and/or
2) Higher interest rates
and/or
3) Sustained low growthYou can have any combination of these with the exception of a combination of higher growth without higher interest rates or higher inflation. You can have higher growth and higher inflation. You can have higher growth and higher interest rates. You can have higher interest rates and lower growth. You can have all 3 of any of the above. The only thing I would argue is impossible to last is high growth without a rise in interest rates or inflation or both. To believe otherwise is to believe that wealth is unlimited and free(wealth is different than money). If you want to believe that then ignore everything I've said and will say below and knock yourself out and good luck. If you believe like I do that wealth isn't unlimited and isn't free than feel free to continue.
Passive InvestorsFirst off, what passive investors need to realize is that they still have some decision making they make even if they don't realize it. Basically, you're investing by a physical and theoretical definition of asset class. You're just limiting decision making about what's inside of those assets classes, right? So a person that invests 70% S&P 500 index fund and 30% bond index and another person that invests in 40% total market stock index and 60% in a high yield international bond index are still b