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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.

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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)

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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...

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The Difference Between Bitcoin and Fiat Currency
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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?
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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?
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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?
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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)?
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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..
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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!

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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!
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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,
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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?
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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...

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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.

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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

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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.
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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.?
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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.
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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.
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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
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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.
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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.
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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.
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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.
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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.
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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.
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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?

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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.
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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?
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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.
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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?
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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.


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-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.


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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!
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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.
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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.
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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?
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About 15 Free Kindle Books
Added on : Saturday September 07th 2013 10:00:10 AM
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Views: 234 Replies: 0 Free at the time of posting

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Added on : Wednesday September 04th 2013 07:00:05 PM
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Added on : Monday September 02nd 2013 07:00:11 PM
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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!
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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?
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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!
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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.
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Thanks!
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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."

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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.



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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.


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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
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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!
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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.
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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?
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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 ...
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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...
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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!
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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!
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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.
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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.
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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?
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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.
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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.
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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.
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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.
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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
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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.
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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.
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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.
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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.
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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.
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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.
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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
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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.
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g: 0 Posted By: remick
Views: 148 Replies: 0 http://www.amazon.com/dp/B004QQ3NGM/
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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?
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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.
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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
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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
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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
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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
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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)
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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.
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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.
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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.
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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 both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk of being devalued out it in the future is the bigger problem right now then you better A) Still be positioned in a way where if that didn't work you wouldn't take such a large lump that you have no dry powder to redeploy to get back in the black with and B) Just make sure you realize that on the other end of that there are some rather large bulldozers(both in terms of purchasing power, discount rate to value everything you hold, and systemic risks in kick the can the countries) that you need to be ever aware of and cautious of if you're not positioned in a way conducive to that particular bulldozer.
My Breakdown of the Current Economic Environment
Added on : Wednesday April 10th 2013 06:01:16 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 in 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 your confidence in 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 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 both index investors. So what I just want to remind you of is that:
A) You're still exercising some limited decision making because if you weren't and you really wanted to 'own an index of the entire market' you would end up with something like(and this just a guess I haven't looked this up) 50% currency, 30% bonds with an average maturity of probably 10 years, 15% equities, and 4% commodities, and 1% other. If that is what what you want to own today by all means be my guest and good luck, but I think most people would say that is insane as a long term allocation with the way the future is shaping up.
B) That the real principals of passive investing are just low cost, low turnover, broad diversification, etc. and are not something inherent in using a particular physical or theoretical allocation.
I'll also repeat again. If you bought 50% bond index and 50% equity index in the 1980s no problem 30 years later you wake up and did great. You did the same in the 1960s and whoopsy 30 years later you wake up with an inflation adjusted loss. Now you know maybe the fact that even the average active investor lost as well makes you feel better about it and you're just content taking the loss then by all means don't concern yourself with it and ignore everything else I say.If instead you're of the mindset that you want to position yourself so that this doesn't happen to you while still maintaining a passive investment philosophy than I might have a solution for you. Basically(and again feel free to take this with a grain of salt), it just requires a challenge of the idea of only buying by the 2 main asset classes and instead looking at still using passive investing while utilizing allocation based on some other concept of a similar nature. First of all, without getting deep into the weeds the way people define asset class doesn't have too much basis in reality anyway. Is a junk bond more bond like or more equity like? Answer: Probably more the latter. Is a stock of a company that primarily holds fixed income more like a growth stock or a bond ETF? Answer: Again probably more the latter. Is preferred stock more like a bond or a stock? Answer: It depends upon how consistent and reliable the cash flows are.So let me propose other alternatives:
1) You can buy "index's" of other asset classes(outside of bonds or stocks) that either historically or conceptually would do better in a higher inflation or higher interest rate environment which may include alternative assets, commodities, precious metals(although I have my reservations about them going forward that I wont get into for the sake of length), etc. and that might provide you some relief from a potential lose, lose proposition in just broad stocks and broad bonds. You might want to be careful in the commodity space I mean you have carry cost in there that you're either directly or indirectly paying for and some of them might be predicated on a very ugly supply and demand profile right now.
2) You can recreate your own index around some theoretical concept or theoretical asset. -->
Personally, if I was to create an index today for the environment of the next 30 years I would recategorize everything based upon their environmental characteristics and use things like capital structure and duration to do it. So instead of saying I'm passively investing x% in stocks and y% in bonds. I would say I'm passively invested in x% on higher interest rates, y% on higher inflation, and z% on sustained low economic growth even if there is some overlap between these(which there is theoretical overlap between bonds and stocks anyway), and I would disregard asset labels going forward because they aren't going to help anybody better understand what they actually own going forward.And how I would do that is recategorize everything like the following:
1) Long duration fixed income = sustained low economic growth
2) Short duration fixed income = higher interest rates
3) TIPS = Obviously higher inflation
4) Leveraged loan funds or other sources variable fixed income = higher interest rates
5) Equities with high long term fixed debt = higher inflation(although they would also do better than peers who borrowed shorter term and had higher interest costs in a high interest rate environment as well)
6) Equities who borrow short term = sustained low economic growth
7) Companies that have a higher ability to pass on higher input costs to their customers = higher inflation
8) Companies who's revenue is more static in inflation adjusted terms, but have variable input costs = sustained low economic growth.
9) Commodities that have high consumer or industrial demand = higher inflation
10) The list goes on and on. Granted it's more work, but you just take a look at everything you own or indirectly own and just do your best to blink test it if you need to and given your overall diversification if you blink test enough of the assets on these 3 categories you should accurately categorize in most cases(again it's not like asset class type is perfect either as I explained above).Now you might notice that you currently hold a lot of allocation towards a particular one of these 3 categories that you think is to high(some of you might notice that you're 80%+ invested in a way opposed to higher interest rates and higher inflation--that shouldn't surprise anyone 30 years of pro-cyclicality has created a lot of assets that did better in lower interest rates and lower inflation because those were the ones that did well) and you just have to figure the lowest cost way to alter that to stay within the percentages you want and allows you to stay passive even if that means recreating your own index from scratch and letting that run. Use of sector ETFs might be able to keep the ticket charges down for example.Once when you have your recreated indexes in place you just behave the same way you always have. If low interest rates and low inflation prevail for a while and those positions do better than just periodically rebalance like you would today if an asset class was doing better and that way you keep yourself in the allocation you prefer and makes sure that you don't by default take on a higher position opposed to rising interest rates or higher inflation rates right before that paradigm shifts likely for a long time.
Active investorsFor the smart investors out there today who get that just about every market seems riddled with uncompensated risk(and that includes cash, bonds...everything) I don't blame anyone who just says, "Look if I can't find a safe place to invest without risk of devaluation on one end and market correction on overvalutaion in another than I'm just going to rely on myself to protect my money best I can." I think it's one of those markets where relying upon some of your own talent is pretty justified especially when it comes from a "how do I protect my money against devaluation risk on one end and systemic on the other" instead of "how do I make the most money possible type of mentality". But just keep in mind you're sitting in a world where markets are so dependent upon the personalities and ideas of only a handful of people. You can try to get in the head of people like Bernanke or Kuroda or a Draghi or a Dijsselbloem, but what if you misjudge their reactions to different things? I mean on one end you could see a guy that when massive risks are right around the corner he finally just cuts his losses and deals with the problem and if you were positioned 100% the opposite way you take massive losses. And if you think some policy maker is going to just take his hits to end the length of suffering and finally deal with a glaring problem that you think he's going to finally deal with...well maybe he decides to paper over it for 10 years and devalue you out. I mean if you're active out there you have to keep one foot out that you might be wrong about what these guys are going to do under pressure and how long it even takes them to realize they're under pressure.The other thing is to just always have in the back of your mind the available possibilities of how this thing shapes out once either certain countries kicking the can and/or low inflation and/or zero bound ends. I mean so let's say you're going with the trend today betting that Europe and China will blow over for now and printing will continue for a while with no consequences in the foreseeable future. And let's say you were doing this because you feel that the risk of being devalued out it in the future is the bigger problem right now then you better A) Still be positioned in a way where if that didn't work you wouldn't take such a large lump that you have no dry powder to redeploy to get back in the black with and B) Just make sure you realize that on the other end of that there are some rather large bulldozers(both in terms of purchasing power, discount rate to value everything you hold, and systemic risks in kick the can the countries) that you need to be ever aware of and cautious of if you're not positioned in a way conducive to that particular bulldozer.
Housing Advice - Ft. Lauderdale area
Added on : Wednesday April 10th 2013 02:01:07 PM
I know that FWF isn't a housing board, but since there are so many people here who follow real estate I figured I'd ask.The situation is: my GF is starting a job as an assistant professor at one of the colleges in Davie FL. We're headed down next week to look into housing, and I've been doing a lot of research online in advance.First: I thought the housing market crashed in south FL. You certainly can't tell by the rent prices! 1BR apts seem quite expensive at 1K/mo+ near the colleges. She's trying to avoid commutes, so walking/biking distance is what we're looking for, but a short drive is OK too if it will save significant money. However, it seems silly to spend 30 min in the car each day, so long commutes are out of the question (I just can't think of a good reason to not live close to work). We're not sure how long she will be in FL, since I will be graduating with my PhD in about 2 years, and want to leave ourselves open to a national job search for both of us considering how academia is these days. So, renting seems to be the smart choice, correct? Does anyone have any advice on finding good deals around Davie? Her starting salary is ~60k and I cringe at the idea of spending 25% of her income on rent; we've had roommate issues over the past few years, so I don't think that's an options he'd consider especially considering that most of the room-renters in the area may be students at her college.Second: I know that eventually I want to start investing in rental properties. I've got the skills to do house maint. and minor construction work myself, but I have never lived in a climate like FL so I have a lot of research to do before I would consider buying a rental property. However, the rents in the Ft. Lauderdale area seem crazy high compared to the housing prices. Is there something I'm missing? Should I be looking in to this further? (I can post this question in the RE thread, if that would be more appropriate).No pics of GF, but maybe some green for not making a new UN?
0% Balance Transfer checks - how to use them?
Added on : Wednesday April 10th 2013 12:01:13 PM
So I pay off all my credit cards monthly. Other than my mortgage, I have no debt - so I'm not sure if I am missing an opportunity here or not.I received some Balance Transfer checks from one of my credit card companies offering me 0% until 6/2014 (14 months).
The most I can transfer is about 20K.I assume the optimal use for this would be to transfer a balance from another card with a higher rate. I'm wondering however if these balance transfers must be used to transfer a balance or can I use it to simply write a 20K check to myself and have an extra 20K to invest. They look like standard checks...so not sure if this can be done?If so - and anyone has done it - what are some of the better strategies for investing? If I put it somewhere at 1% interest it is only $200 - but it is a safe $200.Also, I am not fully understanding all the verbiage on the checks, but it appears that if I use them it will impact my ability to use the card for standard purposes. It state:"If you transfer a balance with this offer you may not be able to avoid interest on purchases, even if your promotional balance transfer has 0% APR. You can avoid interest on purchases if you pay your account balance, including any balances you transfer with this offer, in full by your due date each month"Does this mean that if I use the checks then all my purchases will be charged interest unless I pay off the entire balance of the card? If so, it would mean the only way to utilize a strategy like this is to use the card *only* for the balance transfer? I believe I have read some posts to this effect in the past - but as I have never entertained this, I was unsure of the process.UPDATE: I see there is a balance transfer fee of 5% - which pretty much makes this useless. However I'm sure there are some offers for no fee transfers and as such, I would still be interested in the answers to my above questions. thx!
Kindle Books 4/5/13
Added on : Friday April 05th 2013 07:02:09 AM
As always, only guaranteed FREE at time of posting. All have 4-5 stars, Hope to have a variety of genres, and a mix of new and old for you to enjoy. Feel free to add any you find please!The Fallen Star (Fallen Star Series Book 1) [Kindle Edition] (YA)
http://www.amazon.com/Fallen-Star-Series-Book-ebook/dp/B004W0COE...
Pub. 9/11/12For eighteen year-old Gemma, life has never been normal. Up until recently, she has been incapable of feeling emotion. And when shes around Alex, the gorgeous new guy at school, she can feel electricity that makes her skin buzz. Not to mention the monsters that haunt her nightmares have crossed over into real-life. But with Alex seeming to hate her and secrets popping up everywhere, Gemmas life is turning into a chaotic mess. Things that shouldnt be real suddenly seem to exist. And as her world falls apart, figuring out the secrets of her past becomes a matter of life and death.
===========================================Alone: The Girl in the Box, Book 1 [Kindle Edition] (YA)
http://www.amazon.com/Alone-The-Girl-Book-ebook/dp/B007T9GY46/re...
Pub. 4/10/12Sienna Nealon was a 17 year-old girl who had been held prisoner in her own house by her mother for twelve years. Then one day her mother vanished, and Sienna woke up to find two strange men in her home. On the run, unsure of who to turn to and discovering she possesses mysterious powers, Sienna finds herself pursued by a shadowy agency known as the Directorate and hunted by a vicious, bloodthirsty psychopath named Wolfe, each of which is determined to capture her for their own purposes...
=================================================Where Are the Dinos? (children)
http://www.amazon.com/Where-Are-the-Dinos-ebook/dp/B00C3O6T2Y/re...
Pub. 3/28/13This picture ebook title features vivid, full-color layouts with Kindle Text Pop-Up★★★
A day at the zoo is not complete without visiting the dinosaurs, right?
But, hey.where are they?I wonder why, I wonder how
Where are all the dinos now?Boys and girls will delight in this fast-paced rhyming adventure chock-full of hilarious questions from a very persistent young visitor at the zoo.What do dinos find in shops?
Polka-dot tricera-tops?The laughs keep coming in this charming adventure full of dino-mite humor and fun. It's the perfect good time read that kids will enjoy reading over and over again.
-------------------------------------A to Z of Silly Animals - The Best Selling Illustrated Children's Book for All Ages by Sprogling (children)
http://www.amazon.com/Silly-Animals-Illustrated-Childrens-ebook/...
Pub. 3/6/13A wonderfully silly A to Z picture book of ridiculous mythical animals. The charming, original illustrations and witty captions are sure to delight children of all ages as well as parents.Enjoy the A to Z of Silly Animals with your child today!
===================================================Seven Days From Sunday (An MP-5 CIA Thriller, Book 1) [Kindle Edition]
http://www.amazon.com/Seven-Days-Sunday-Thriller-ebook/dp/B00359...
Pub. 1/19/10#1 Amazon KINDLE BESTSELLER IN "MYSTERIES & THRILLERS" #1 Amazon KINDLE BESTSELLER IN "SPY STORIES & TALES OF INTRIGUE" In this fast paced thriller, Iraq's top terrorist makes two promises - a kidnapped American contractor will be executed on a given date, his body dumped in Baghdad's Green Zone and a major attack will occur in seven days. Working desperately to find the American and thwart the impending attack is an elite 4-man CIA team which includes an attractive female doctor. But they can only watch helplessly as the terrorist and his masked henchmen behead the American during a live video feed carried on the Internet. What they don't know is that one of the masked men is not a terrorist, but completely innocent. He is an Iraqi pharmacist who has infiltrated the group. His only objective - to find his missing fiance, who the terrorist has also kidnapped. After the beheading, he is free to go. But little does he know that his fiance will bring the deceased American's head to the Green Zone, and inside the dead man's mouth is evidence linking him to the terrorist.This is the first novel in M.H. Sargent's popular MP-5 CIA series. The other novels include The Shot To Die For, Operation Spider Web, The Yemen Connection, Alliance of Evil and The Birdwatchers. Sargent has also written a murder mystery set during WWII, Toward Night's End.***Includes bonus excerpt from Sargent's next book, The Shot To Die For***
==================================================Night of the Assassin (Assassin series) [Kindle Edition]
http://www.amazon.com/Night-Assassin-ebook/dp/B006M5L5JC/ref=sr_...
Pub. 9/19/12Night of the Assassin is the second book in the Assassin series, and is the gritty, edge-of-your seat prequel to King of Swords. A no-holds-barred, breakneck-paced thriller, Night charts the early years of El Rey - known as the King of Swords - a super-assassin responsible for some of the world's most spectacular and daring executions.Framed against the backdrop of present-day Mexico's brutal narco-trafficking violence, Night of the Assassin chronicles the making of a monster - a cold-blooded, ruthless killing machine. Raw, disturbing, edgy and unflinching, this epic saga defies convention to create a roller-coaster of intrigue, suspense and thrills that will leave even the most jaded thriller aficionados gasping for breath.Best if read after King of Swords, Night was written to provide background on El Rey, with the assumption that the reader is already familiar with the events in King of Swords===========================================================
The Book of Sight [Kindle Edition]
http://www.amazon.com/The-Book-of-Sight-ebook/dp/B00BZWWJI8/ref=...
Pub. 3/22/13Book One in The Book of Sight SeriesA book can be a wonderful gift.When Alex received an unexpected package, she never dreamed the book it contained
would change her life forever. After all, the words inside were gibberish.She had no idea the places that book would take her, the friends that book would help her
make or the wonders that book would reveal.She had no clue the trouble that book would bring, either.A book can be a dangerous gift.
==================================================MAINTENANCE MAN II [Kindle Edition]
http://www.amazon.com/MAINTENANCE-MAN-II-ebook/dp/B008257Q4I/ref...
Pub. 5/10/12MAINTENANCE MAN II
MONEY, POLITICS AND SEX...EVERYONE HAS A PRICEIn Maintenance Man II: Money, Politics and SexEveryone Has A Price Baisden builds upon the saga of his former main character, Malcolm Tremell, a gigolo who first came to life in Baisdens 1999 release The Maintenance Man. The Maintenance Man saw the author gain notoriety for unapologetically disclosing the lifestyle of a man who rendezvoused for pay with married women. The original Maintenance Man followed a litany of releases, including Men Cry In The Dark, Gods Gift To Women, Do Men Know What They Want and solidified his stance as one of the most successful self-published male authors on the literary scene. With Maintenance Man II, Baisden broadens the storyline as Tremell comes out of retirement to not only rebuild his contact list of high-end female clientele, but also franchise a male escort service worldwide. Intrigue, drama and danger quickly come into play when Tremell liaisons with the wife of a powerful and corrupt Republican senator. When they unwittingly uncover the senators underhanded deal with the powerful Kross brothers for political control, Tremell will have to tap his military training and street smarts to not only save his life, but also those closest to him.Baisden, once again educates as he entertains, brilliantly engaging his readers. Utilizing Malcolm Tremell as the ultimate Renaissance man protagonist, he brazenly unveils several harsh and dark realities behind the current political process. He skillfully touches on some of the most critical political issues to date, including voter suppression as well as corporate greed, seamlessly interspersing them between a romantic and politically charged plot. The novels tone is captivating and inviting, whisking the reader into a non-stop escapade of sex, action and adventure.After years of being out of the gigolo lifestyle, Malcolm has to rebuild his list of contacts and high-end clientele. But he still has his good looks, his Rolodex, and his reputation. This time he vows that nothing will stand in his way of getting back on top and creating a franchise of escort services worldwide. He disguises his gigolo lifestyle as a nightclub owner in Miamithe perfect cover to mix business with pleasure.
=================================================What is Gluten Free Covering the A to Z of Gluten Free [Kindle Edition]
http://www.amazon.com/What-Gluten-Free-Covering-ebook/dp/B00A4FO...
Pub. 11/8/12What is Gluten Free is an easy to follow guide that will help you to understand the categories of gluten intolerance. The list of symptoms that are reported from people suffering from various forms of gluten intolerance is truly staggering. Another sad statistic is the amount of people that go undiagnosed from having one of the forms of the illness. What's more disheartening is that these people need only to go on a gluten free diet to virtually eliminate these nasty symptoms that are reeking havoc on their body systems.After covering the basics of what it means to be gluten free, you'll learn what it really takes to live day to day with gluten sensitivity or with Celiac disease. We'll cover the many foods and products that contain gluten and of course what foods are gluten free. You may be surprised to find out about some of the options that are now available for gluten free cooking in the home, as well as when we're on the go. With today's fast paced and often hectic schedule, many people simply don't have time to plan and cook gluten free meals everyday of the week. So when your on the go, you will learn how to find gluten free restaurants and when that isn't an option, you'll learn what to do when you don't have a gluten free menu. Traveling on vacation, or on holiday are covered too.Many people think that living a gluten free lifestyle is a huge expense that will severely impact your budget. We've got two chapters devoted to this topic alone. Learn the tips and tricks to saving money when you go out to buy gluten free products. We'll also share a very unique way to save real dollars that will add up quickly, thus making living gluten free easier than you ever thought possible.Other questions answered in 'What is Gluten Free' eBook...Are there health benefits to living gluten free?
If I'm not gluten intolerant, is a gluten free diet bad for me?
What are the triggers that might cause a person to have Celiac disease or gluten sensitivity?
Why is Celiac disease or gluten intolerance often misdiagnosed?This publication is a must read for anyone who is interested in maintaining good overall health and well being.
--------------------------------------------The Diet Dropout's Guide to Natural Weight Loss: Find Your Easiest Path to Naturally Thin
http://www.amazon.com/Dropouts-Guide-Natural-Weight-ebook/dp/B00...
Pub. 1/1/13This book isn't about the latest celebrity diet, wonder food, or miracle supplement. It's about creating a personalized weight loss planyour own easiest path to naturally thin. While you can lose weight with almost any diet, keeping the weight off is much more difficult, requiring permanent changes in eating and exercise habits. This book provides a science-based approach for making those changes in a way that works best for you, without wasting time, money, or effort.Dr. Spencer explains why we gain weight and why the fat lost by dieting almost always comes back. He then presents an array of practical weight loss tools for controlling emotional eating, calming cravings, boosting metabolism, and improving nutrition and exercise. In the final chapter he has you create a natural weight loss plan based on your unique set of needs, abilities, and preferences. Simple recipes are provided for weight loss foods that reduce cravings and prolong satisfaction. What this book offers is a solid approach to weight lossself-directed, gradual, and lastingin contrast to the quick but fleeting weight loss offered by most one-size-fits-all diet plans.
========================================================5-Minute Miracle Exercises: Lose 5 Pounds in 2 Weeks - Only 5 Minutes a Day! (w/extras if you have a Kindle fire
http://www.amazon.com/5-Minute-Miracle-Exercises-Minutes-ebook/d...
Pub. 6/21/11Newly Updated & Expanded for 2013 - 12 FREE Bonus Reports Included! If you would like to lose a solid 5 pounds in the next two weeks while exercising just 5 minutes per day (and without changing your diet), then this book by Jennifer Jolan will show you how.The book is here and entitled: "5-Minute Miracle Exercises"And it contains two secret exercises (you will probably never see any of today's "fitness gurus" talk about) that promote quick fat loss even if you don't change a thing about your current diet.
--------------------------------------------------The Truth About Butterflies: A Memoir [Kindle Edition]
http://www.amazon.com/The-Truth-About-Butterflies-ebook/dp/B005F...
Pub. 8/2/11They belong to each other, Nancy and Nicole--mother and daughter. They're two halves of a whole, two facets of the same breath--until the day Nicole exhales. . . and never inhales again. After the death of her daughter, and quickly losing her own battle with grief, Nancy decides to move from the house she can no longer bear to live in. While packing, she comes across a box in the attic. Inside this box, Nancy uncovers treasures she didn't know existed and evidence that her and her daughter's lives had been more divinely entwined than she could've imagined.The Truth About Butterflies is a true story of grief, hope, and transformation, and a single enduring truth: Life cannot be restrained by death.
==================================================Harriet Tubman - The Moses of Her People [Illustrated]
http://www.amazon.com/Harriet-Tubman-People-Illustrated-ebook/dp...
Pub. 10/25/08Harriet Tubman was an African-American abolitionist, humanitarian, and Union spy during the U.S. Civil War. After escaping from captivity, she made thirteen missions to rescue over seventy slaves using the network of antislavery activists and safe houses known as the Underground Railroad. She later helped John Brown recruit men for his raid on Harpers Ferry, and in the post-war era struggled for women's suffrage.Born into slavery in Dorchester County, Maryland, Tubman was beaten and whipped by her various owners as a child. Early in her life, she suffered a traumatic head wound when an irate slave owner threw a heavy metal weight at her, intending to hit another slave. The injury caused disabling seizures, headaches, and powerful visionary and dream activity, and spells of hypersomnia which occurred throughout her entire life. A devout Christian, she ascribed her visions and vivid dreams to premonitions from God.In 1849, Tubman escaped to Philadelphia, then immediately returned to Maryland to rescue her family. Slowly, one group at a time, she brought relatives with her out of the state, and eventually guided dozens of other slaves to freedom. Traveling by night and in extreme secrecy, Tubman (or "Moses", as she was called) "never lost a passenger". Heavy rewards were offered for many of the people she helped bring away, but no one ever knew it was Harriet Tubman who was helping them. When a far-reaching United States Fugitive Slave Law was passed in 1850, she helped guide fugitives further north into Canada, and helped newly-freed slaves find work.
======================================================Hugh Young's Ten Golden Rules of Equity Investing [Kindle Edition]
http://www.amazon.com/Youngs-Golden-Equity-Investing-ebook/dp/B0...
Pub. 12/14/12Hugh Young is a star fund manager at Aberdeen Asset Management, with over 25 years' experience and a dazzling record of returns. He has marshalled Aberdeen portfolios through numerous market cycles, and in this eBook reveals the secrets of his success, accompanied by the witty illustrations of cartoonist Fran Orford.--------------------------------------------------------------------------------Tales of the Revolution: True Stories of People who are Poking the Box and Making a Difference [Kindle Edition]
http://www.amazon.com/Tales-Revolution-Stories-Difference-ebook/...
Pub. 4/19/11Early in March, The Domino Project published Seth Godins Poke the Box. We Immediately received stories about people taking initiative in their own lives - doing things differently at work or with their families, taking initiative in places they were scared to. Prompted by the number of inspiring stories we received, we launched Tales of the Revolution, profiling examples of passionate self-starters who regularly went above and beyond to make a difference by doing. This free Kindle edition is a sampling of the hundreds of stories we received. Each one could be just the right inspiration for you to keep poking.
=======================================================Blogging Made Simple: Powerful Strategies For Blogging Success! [Kindle Edition]
http://www.amazon.com/Blogging-Made-Simple-Strategies-ebook/dp/B...
Pib/ 4/12/12Blogging Made Simple is a powerful blogging guide. Learn from two of today's best known bloggers who have built high-traffic blogs that support multiple streams of income and a growing list of avid followers. In Blogging Made Simple: Powerful Strategies For Blogging Success, you'll learn the fundamentals of starting your own blog as well as step-by-step instructions on how to develop engaging content, build a growing list of blog followers, effective strategies for monetizing your blog, and little-known strategies for getting your blog ranked #1 on leading search engines. Co-authors Michael H. Fleischner and Justin Fried have been blogging for well over a decade and launched many successful blogs (ex: The Marketing Blog) that reach more than 10,000 followers. If you want to achieve blogging success - creating a popular blog that allows you to position yourself as a leading authority in your niche and drives residual income while you sleep, then don't miss out on this one-of-a-kind blogging resource! In this guide you'll learn powerful blogging secrets including:
--How to start your very own personal or professional blog for FREE
--Strategies for taking a casual blog and turning it into a money-making machine
--How to select a blogging platform that meets your blogging goals: WordPress, Blogger, Tumblr
--Powerful techniques for developing engaging content for your blog on a daily, weekly, and monthly basis
--Outsourcing strategies that allow your blog to run on autopilot even while you sleep
--Optimization secrets that propel your blog to the top of Google, Yahoo!, and Bing
--Proven monetization strategies that provide multiple streams of income
--Promotional techniques that send tons of hungry visitors to your blog again and again
--And much, much more
========================================================WordPress Websites Step-by-Step - The Complete Beginner's Guide to Creating a Website or Blog With WordPress [Kindle Edition]
http://www.amazon.com/WordPress-Websites-Step---Step-ebook/dp/B0...
Pub. 1/4/13Have you ever wanted to create a website but found it too complicated or confusing?
WordPress is the single most popular way to create a website or blog. It's used by Fortune 500 companies, small businesses, authors, photographers, bloggers and non-profits to build a professional websites easily.You can do the same - and you don't need to be a computer expert or web geek.What you'll learn in WordPress Step-by-Step:
How to choose a great domain name and get good value, reliable web hosting
How to install WordPress in a few mouse clicks
How to publish posts and pages with correctly formatted text
How to give your website a professional touch by using images and videos
How to customize your web design without needing to be a programmer
How to extend your site even further with "plugins"
How to use Search Engine Optimization to get found by Google
How to keep your website secure
How to solve the most common WordPress problems
...and lots more.There's also a bonus chapter on getting the first visitors to your site, along with additional video tutorials by the author. Plus, the book is packed with links to additional resources and free design themes and plugins to help you build a website on a budget.Clear explanations and over 55 images of the admin screens and tools mean you can see exactly how to do everything. No more head-scratching or frustration!After reading this book you'll have a unique, professional and easy-to-use website to be proud of - and you'll have created it yourself! Whether you want to build a simple website for your company or organization, make money with a blog or a full online store, this non-geek guide will get you online quickly - saving you time and frustration.
========================================================Asian Recipes - 50 Tasty & Easy Made Unique Exotic Recipes (With Images Of Each Dish And Chef's Note) [Kindle Edition]
http://www.amazon.com/Asian-Recipes-Unique-Exotic-ebook/dp/B0087...
Pub. 5/28/12Asian food is a multi-faceted and diverse as European food. While neighboring countries share some common ingredients and cooking styles, Asian countries have developed cuisines that are uniquely their own. Sampling the food of each is truly an adventure.Each country has its own food history much influenced by its culture, religion and past. Vietnamese food for example, retains the flavors of centuries of French occupation. The food in Philippines has the taste of Spanish and American accents while in Malaysia and Indonesia which are Muslim countries, pork meals are almost completely eliminated off the menu.Many of these recipes were guarded as important family secrets and carefully passed down from one generation to another. Asian cooking has enormous potential in modern times, as Asian food chains are springing up all over the world very rapidly, whilst enjoying immense popularity.In this appetizing book, you will find an inspiration not only for your daily dishes, but for almost every occasion which calls for something savory - Asian style/dish/cuisine. All the recipes included in this book are considered classics, and have proven so popular over the past years. Every single recipe has been tested time and again, both by me and by hundreds of my cooking students.The recipes have been divided by Asian regions. Each chapter contains top recipes which will help you find exactly what you are looking for.They are all authentic and thoroughly tried and tested. By following simple, clear and straightforward instructions, you will find a recipe that will suit your needs and wants to the littlest details. Most of the recipes use basic cooking techniques which can be prepared with only a few pots and utensils.This recipe book will help you cook Asian food with confidence and pleasure that you thought you could not make in your own kitchen. More importantly, it will provide you with all the answers to the problem of ''What shall we have for breakfast, lunch or dinner?'' and you will discover that Asian cooking is so rewarding and fun. So, this book contains The Best Traditional Asian Recipes for you to make and enjoy at home. You will discover that Asian cooking is so rewarding and fun and also there are 50 mouth-watering recipes accompanied with dish images for you to savor from 10 different countries.
========================================================Homemade Ice Cream Recipes - 35 Easy Recipe for Ice Cream [Kindle Edition]
http://www.amazon.com/Homemade-Ice-Cream-Recipes-ebook/dp/B008M9...
Pub. 7/16/12The 35 Easy Ice Cream Recipes contains ice cream recipes to fill your summer days and are the perfect accompaniment to a hot day. Ice cream is always a popular dessert at any time; birthdays, holidays and any special celebration days. Making homemade ice cream is very fun and don't worry if you are new to making ice cream, I have included information needed in order to get you started.
================================================Ultimate Vegetarian Recipes From BeWellBuzz: Delicious And Nutritious Meals That Buzz With Taste And Vitality
http://www.amazon.com/Ultimate-Vegetarian-Recipes-BeWellBuzz-ebo...
Pub. 3/25/13Whats With All Of The Buzz About This New Vegetarian Recipe Collection?If youre a fan of "Forks Over Knives," have devoured The "China Study" or consider yourself a "Happy Herbivore," then you are going to love this new collection of vegetarian recipes from renown health experts Larry and Oksana Oz from the popular "Be Well Buzz" natural health website and community.
Unfortunately, many other vegetarian recipe books are packed with unhealthy foodstuffs that fall short of optimum nutrition says co-author Larry Oz (pictured on the left)...So weve compiled some of our favorite vegetarian dishes and used only whole foods and ingredients proven to promote health heal the body.Whether youre vegetarian, vegan, or lacto-ovo, youll find sensational recipes that youll enjoy alone or with friends, who will wonder how you made such an amazing meal!In addition to a handy ingredient-substitution guide to make any vegetarian recipe healthy, Larry and Oksana show you what foods to avoid at all costs, even if you thought you were eating healthy before.Then youll discover over 40 amazing and delicious vegetarian recipes:
*Appetizers
*Side Dishes
*Stews
*Soups
*Stir Fry
*Veggie Fajitas
*Casseroles
*And Tasty Toppings*EXCLUSIVE KINDLE BONUS INSIDE = Readers will also get a free video training revealing the 6 Blood Tests Your Doctor May Refuse To Give You (And Why) Which May Save Your Life Or Restore Your Health included exclusively inside your Kindle purchase.
=======================================Starcraft: Kerrigan - Hope and Vengeance #0 [Kindle Edition] (dc comics Graphic novel)
http://www.amazon.com/Starcraft-Kerrigan-Hope-Vengeance-ebook/dp...
Pub. 3/6/13No single human being has been more inseparably tied to the twisted destinies of the terran, protoss, and zerg races than Sarah Kerrigan. She has risen from the ranks of soldier and rebel to become the unstoppable Queen of Blades, supreme ruler over a race of bloodthirsty aliens. But now she has fallen from her seat of power and been taken in by those who wish to separate the woman from the monster--a task which may be more difficult than it was to dethrone her.Take a look inside the mind of one of the greatest villains in gaming history and prepare yourself for StarCraft 2: Heart of the Swarm with this explosive new comic from Blizzard Entertainment, Kerrigan: Hope and Vengeance.
=====================================================Bonded (Prequel to The Mating) [Kindle Edition]
http://www.amazon.com/Bonded-Prequel-The-Mating-ebook/dp/B00BT0J...
Pub.
Renos a tough Enforcer for Lycan Link who finds himself drawn to Brandi but duty rules his life. Brandi, just on the edge of starting her career as a Disaster Control officer, falls for Reno at first sight, but are they really meant to be? Is it love or lust and does it really even matter? Enforcers and DCs don't get along...unless fate forces them to. Bonded precedes The Mating.========================================================
The Keeping (Sequel to The Mating) [Kindle Edition]
http://www.amazon.com/The-Keeping-Sequel-Mating-ebook/dp/B00BTID...
Pub. 3/12/13// Ryne Taylor was a sexy bad-ass Alpha set on establishing a new pack. Melody Greene was a journalism student researching his work as a photographeror so she said. But could Mel really be trusted or had she stumbled upon his secret? And if she knew, could Ryne save himself and the pack hed left behind without enacting a deadly ancient law known as The Keeping? Sequel to The Mating.
=========================================================A Cold Day for Murder (Kate Shugak #1 by dana Stabenow)
http://www.amazon.com/Cold-Murder-Kate-Shugak-ebook/dp/B004S87M9...
Pub. 3/15/11Somewhere in the hinterlands of Alaska, among the millions of sprawling acres that comprise The Park, a young National Park Ranger has gone missing. When the detective sent after him also vanishes, the Anchorage DAs department must turn to their reluctant former investigator, Kate Shugak. Shugak knows The Park because shes of The Park, an Aleut who left her home village of Niniltna to pursue education, a career, and the righting of wrongs. Kates search for the missing men will take her from self-imposed exile back to a life shed left behind, and face-to-face with people and problems she'd hoped never to confront again. The first novel in the popular Kate Shugak Series, A Cold Day for Murder established Dana Stabenow as a new voice in Alaskan mystery writing, and earned her an Edgar Award.
=============================================================ARG...I'm having problems formatting this a.m., and the info on this one disappeared - I'll try to hunt it down again, but if you do, that's great too -  You'll see the difference in the mirror by the 2nd week (losing AT LEAST 5 pounds -- if not more -- of fat).All with two (really simple) exercises and without leaving your home (you can even do these exercises during TV commercials, if you choose).

Here are some of the benefits of this "miracle" exercise program:No equipment necessary (they're free!)No long, grueling workouts to fit into your day (again, you can do them during TV commercials if you want)
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The benefits of these two exercises are incredible -- they're fast, they're simple and they sculpt your body like no other exercises can, and in a fraction of the time. The exercises are simple, but not necessarily "easy." They only take 5 minutes per day and you don't have to change your diet at all.2 FREE BONUS REPORTS INCLUDED IN THE KINDLE FILE:Natural Detox - 8 Cheap Ways to Detox and Cleanse Your Body
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4.Do-It-Yourself Face-Lift: How to Look 5 Years Younger in 2 Weeks - Got 5 Minutes a Day?
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7.How to Get Rid of Allergies in 90 Seconds with Water
8.The Ultimate 3-Second Fountain of Youth "Neural" Fat Loss Exercise
9.The 15-Second "T-Tap" for Overcoming Hypothyroidism & Sluggish Energy
10. How to Make Healthy Ice Cream in 2 Minutes and Other Sweet Surprises!=======================================================Invisible [Kindle Edition] (YA)
http://www.amazon.com/Invisible-ebook/dp/B00BEQZBYE/ref=sr_1_13?...
Pub. 2/11/13Jazmine Crawford doesnt make decisions. She doesnt make choices. She doesnt make friends. Jazmine Crawford only wants one thing: to be invisible. For Jazmine, its a lot easier to take out her hearing aid and drift along pretending that nothings wrong than it is to admit that shes heartbroken about her dad dying. Shes been drifting and ignoring her over-worried mum for four years now.
When bad girl Shalini and her mates adopt Jazmine, she quickly finds herself involved in more than she can handle. Sitting in disgrace in the principals office, Jazmine is offered a choice: help drama teacher Miss Fraser in the upcoming production of The Secret Garden or face a four week suspension.
Its Miss Fraser who clinches the decision. I believe in you Jazmine, she says. I know you can do this. And Jazmine, terrified, disbelieving and elated all at the same time, joins the play.
For a while its all good. Drama star and chocolate lover Liam is friendly and Jazmine realises that making friends, talking to her mother and feeling her emotions isnt as scary as she thought. In a final happy twist of fate, acting diva Angela quits the play and with only a week to go, Miss Fraser asks Jazmine to take on the main role of Mary.
But then Shalini returns from her suspension. Shes out for payback, and she has just the ammunition she needs to force Jazmine to quit the play and go back to her old ways.
Will Jazmine be confident enough to stand up for herself against Shalini? Will Liam still like her if he finds out who she really is? And does she have the strength to face the truth about her fathers suicide?
===========================================Betrayed: Days of the Rogue [Kindle Edition]
http://www.amazon.com/Betrayed-Days-Rogue-ebook/dp/B00BSX4U04/re...
Pub. 3.11.13His mate killed in a horrific explosion, ex-Enforcer Damien Masterson now lives as a rogue werewolf. Grief stricken and filled with rage, what depths will he sink to in his search for revenge? And who will be caught in the crossfire? Will it be Eve, a Fae just entering the Awakening stage? Or Rafe McRae, part empath and part wolf? Its been said that a rogue Enforcer is too dangerous to be allowed to roam. A suspense driven story of love, betrayal and revenge, this latest addition to the Law of the Lycans series is the sequel to Bonded.
===========================================================
Save cash for a house or get a mortgage?
Added on : Thursday April 04th 2013 11:01:19 AM
Hello,
My family is moving in a year. Our current house is paid off, and we should have no trouble selling it when we move.
A similar house at the new place costs more. Should we stop our retirement and college investing for a year to save cash for the new house,
or get a small mortgage and pay it off quickly? Thanks for your input.
Low Cost Portfolio Management Options for My Parents.
Added on : Wednesday April 03rd 2013 09:01:08 AM
Greetings FWFMy parents are finally getting around to overhauling and improving their 401k rollover. When they had me look into it I saw that their current financial planner has been having them buy mutual funds with pretty steep front loads (some up to 5%). Also the mutual funds they are invested in have rather high cost ratios (averaging 1.5%). On top of all of that they are also hit with what appears to be a yearly management fee of about 1%. Their overall allocation of funds seems off as well. Currently they are 90% stocks and 10% bonds with only 5 years left till retirement. Some of the stocks (about 10%) is in preferred stock which has guaranteed dividends but I am not sure if that should be counted as stocks or bonds in the overall allocation.
I have been able to convince them that their current solution is not working. The fees alone have been eating roughly 80% of their gains away. They have refused to switch to vanguard because vanguard doesn't have someone that you can sit down with face to face. I checked schwab and fidelity and both of them have fees structures similar to what they are currently paying. Vanguard has offered to Skype with my parents but I don't know if that will go over well since they aren't comfortable doing their investing over the phone let alone some scary computer video magic.Are their any major financial institutions that offer 401k Rollover solutions that are also low overall cost besides Vanguard? The overall value in their portfolio is enough to qualify for the highest tier of service at most places I looked (500k+ minimum) but none of them had attractive fees.Any Ideas or suggestions for other advising services would be much appreciated.
Low Cost Portfolio Management Options for Parents.
Added on : Monday April 01st 2013 07:01:03 PM
Greetings FWFMy parents are finally getting around to overhauling and improving their 401k rollover. When they had me look into it I saw that their current financial planner has been having them buy mutual funds with pretty steep front loads (some up to 5%). Also the mutual funds they are invested in have rather high cost ratios (averaging 1.5%). On top of all of that they are also hit with what appears to be a yearly management fee of about 1%. Their overall allocation of funds seems off as well. Currently they are 90% stocks and 10% bonds with only 5 years left till retirement. Some of the stocks (about 10%) is in preferred stock which has guaranteed dividends but I am not sure if that should be counted as stocks or bonds in the overall allocation.
I have been able to convince them that their current solution is not working. The fees alone have been eating roughly 80% of their gains away. They have refused to switch to vanguard because vanguard doesn't have someone that you can sit down with face to face. I checked schwab and fidelity and both of them have fees structures similar to what they are currently paying. Vanguard has offered to Skype with my parents but I don't know if that will go over well since they aren't comfortable doing their investing over the phone let alone some scary computer video magic.Are their any major financial institutions that offer 401k Rollover solutions that are also low overall cost besides Vanguard? The overall value in their portfolio is enough to qualify for the highest tier of service at most places I looked (500k+ minimum) but none of them had attractive fees.Any Ideas or suggestions for other advising services would be much appreciated.
Why does everyone advocate Roth IRA?
Added on : Monday April 01st 2013 10:01:02 AM
It seems most people here on FWF seem to advocate for Roth IRA's. I'm by no means an expert - so this is just a quick discussion on what is best for long term investment.I have a friend that works in investment portfolio type job's - so I asked where I should be investing. Basically indicated not to worry about Roth until I can max-out my 401k all together (17.5k as of this year I think?). As I thought about it though - it does make a bit of sense. The difference? Your Roth tax dollars are paid and gone down the drain. Your 401k tax is alive, well, and on top of the pile that is earning interet on-top of interest. I get the point, tax rates can go up between now and retirement - however your stacking interest from tax dollars that you aren't paying (but rather investing) should more than make up for that. What is FWF thoughts?
About to enter the "real" world - How to start smart?
Added on : Sunday March 31st 2013 03:01:05 PM
I am graduating from a 4-year undergraduate program in May, and want to be sure I develop sound financial habits from the onset. I am fortunate to be graduating with no debt and with a job at a consulting firm (I start work in the fall). On the flip side, I will also have minimal savings (<5K). I'd appreciate any thoughts you might have about the points below or any advice in general you wish you had been given when you were in my shoes.1) Budgeting/Personal Finance
a. Resources: Do you have any recommendations for books/websites I should take a look at
b. 'Rules': Ex. don't spend over 35% of disposable income on rent. Any other personal finance 'rules' I should keep in mind?
c. Credit: I have been on top of this and have a good credit score/credit cards
d. Budget: I included a draft of my budget below. Any thoughts?

2) Investing/Retirement
a. Should I contribute to my 401K? I feel that I should first build up a buffer of at least ~10K before making 401K contributions.
b. Resources: Any books/websites you'd recommend?
c. Living Frugally vs. Spending freely? Of course I need to find a balance, but I am tempted to lean toward the latter. If all goes according to plan, my income should increase significantly over the next 5 years. Saving an extra 10K/yr would come at a very high opportunity cost (in terms of quality of life), while saving that same 10K five years from now would be much easier. i.e. income smoothing makes me happy.
Draft of Monthly BudgetIncome
$6,250 Salary
1,757 Tax (Federal, state, SS, Medicare)
4,493 Disposable IncomeExpenses Amount/ % of Disposable Income/ Explanation
$1,500 (33%) Housing & Utilities (walking distance from work)
900 (20%) Food & Dining (500 restaurants, 200 groceries, 200 bars)
200 (5%) Entertainment/Recreation
200 (5%) Travel
200 (5%) Clothing
120 (3%) Subscriptions (Gym, Netflix, magazine, etc)
100 (2%) Other Misc. expenses (Household and personal care items)
0 (0%) Phone (paid for by company)
0 (0%) Healthcare/Insurance
1273 (28%) Remaining/Savings Investment
Company contributes 5% of Salary and Bonus to 401K
I will prioritize building a savings buffer before making 401K contributions
Negotiating with Backbone: Eight Sales Strategies to Defend Your Price and Value [Kindle Edition] - was $29.99Reed K. Holden (Author)http://www.amazon.com/dp/B0083JCRVKPublication Date: May 16, 2012Genre: Business & Investing34 Reviews ★★★★.5Sales professionals now confront the most serious threat to their success. Regardless of their size, industry, country, customer type, nature of the relationship or amount of value they provide, sales professionals are finding that purchasing decisions are increasingly being limited by procurement. The modern procurement function is purchasing on steroids. Where traditional purchasing managers negotiated, procurement officials attempt to dictate. Procurement deploys a variety of tactics designed to do one thing: gain unprecedented discounts and concessions out of even the most sophisticated sales professionals. This book is a strategy guide for salespeople to help them level the procurement playing field by showing readers how to assess the game procurement plays, describing proven ways to resist discounting and protect margins, demonstrating ways to keep value at the forefront of negotiations, offering targeted tactics to protect hard-earned profits from mindless discounting, and detailing eight strategies effective in any type of pricing negotiation. This book will be an invaluable resource for B2B sales professionals, customer-facing professionals, and executives responsible for leading successful sales organizations.About the Author
Reed K. Holden, CEO and Founder of Holden Advisors, is a world-class pricing expert who has spent the past 20 some years helping clients build go-to-market strategies to drive price leadership and profitable growth. His firm has been consulting with clients for 10 years to improve and sustain pricing power in highly competitive markets. His latest work with salespeople focuses on successfully dealing with high pressure procurement departments through more effective value positioning, selling, and negotiation. With Mark Burton, he wrote Pricing with Confidence: Ten Ways to Stop Leaving Money on the Table. He is also coauthor of the second and third editions of The Strategy and Tactics of Pricing.
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Hi everyone,I am in the process of trying to set up a Roth IRA for myself, an HSA, and I have student loans to pay off. The more reading and number-jiggling I do, the more confused I become, so I was hoping I could get some advice from you on a few topics. I've read through a lot of the older posts and threads on similar topics, but I think I'd understand better if answers were based on my current situation. Please forgive me, but I'm going to unleash a bunch of data and questions here. . . .My Financial Situation:
I am self-employed.
I am ridiculously healthy.
I am single.
I am in the 15% tax bracket and, if my current work gig holds up, I might earn about $34,000 total for the 2013 year (about $3000 a month).
I have a consolidated student loan of $36,669 at 6.125% interest and a Perkins loan balance of $7,250 at 5% interest.
I have about $6k saved up right now ($2k is going to my tax liability for 2012, and I'm going to make a $1600 payment on my quarterly tax in April, too.).
I have a 457(b) I am no longer able to contribute to since I'm no longer working for the entity who set that account up for me, so I am planning on rolling over the $1525 account to a Roth IRA (I know that means I'll have to pay tax on those pre-tax dollars in the account.)My Financial Goals
I'd frikkin' love to be debt-free by age 35 (that's 10 years away, folks)
I want to take advantage of retirement investments in order to manage my annual tax liability and to be able to afford to eat and live when I retire
I want to have about $16,000 in my emergency savingsAnd Now, the Questions:I'm trying to figure out whether I should try to pay off a larger chunk of the student loans now, or if I should start investing. If I only make the minimum payment ($280) on my bigger loan, I'll be chipping away at it for 20 years and will end up paying a horrifying amount in interest. If any of you were in my shoes, would you go ahead and start the retirement and HSA accounts? Would you hold off until the loans were significantly reduced? Pay off the smaller balance with the 5% interest first, then snowball those payments into the larger balance at 6.125%? Or tackle the bigger balance aggressively until I get it to a point that the effects of the extra 1.125% on that balance doesn't hurt so much?If I were to go ahead with the Roth, would you recommend TradeKing or E*Trade? I know TK is the cheaper of the two, but only E*T offers access to foreign markets, which I know are important for diversification. Is it worth the extra fees now to have access to foreign stocks, or should I go the cheaper route and stick to US investments until I have more money available for investments and related commissions and fees? 
I know this is a helluva lot to read and tackle at once, but I'd really appreciate any and all feedback on any portions of this you feel like tackling. And I'm happy to sit around for hours and plug things in via Excel--I'm just so burnt out on research and reading and tabulating I think I could use some good advice and clearer direction. It seems like everything I read, and every person I talk to, offers 100% conflicting advice. I guess there's no "one golden answer", but I'd gladly take a few silver or copper ones.Thanks!
Khee
Buy and Hedge: The 5 Iron Rules for Investing Over the Long Term (Minyanville Media) [Kindle Edition] - was $29.99Jay Pestrichelli (Author), Wayne Ferbert (Author) http://www.amazon.com/dp/B005GXM5NQPublication Date: September 29, 201141 Reviews ★★★★.5 If you're trying to build wealth, sharp market downturns are your worst enemy. And today, they're happening far more often: in the last 18 years, the S&P 500 has experienced sixteen violent market declines. Institutions and professional investors have mastered powerful hedging strategies for dramatically reducing the risks of market volatility. Now, you can do it, too--and you can't afford not to. In Buy and Hedge , two leading investment experts show how to apply hedging as part of a long-term program for growing and preserving your assets. CNBC Fast Money guest Jay Pestrichelli and seasoned financial industry veteran Wayne Ferbert show how to systematically protect yourself against violent downward moves while giving your portfolio maximum room to run in upward markets. The authors' techniques are easy to use, can be applied to most investment vehicles, and require surprisingly little "care and feeding" once implemented. You'll discover how to:  Take advantage of the hedge-building mechanisms built into low-cost index funds Invest in your ideas with confidence, because you've hedged the downside Systematically manage portfolios for risk as well as return Master and apply the "5 Iron Rules of Buy & Hedge Use options to manage risk, not to create excess leverage Generate more dividends Effectively manage cash
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What resources have helped you become successful?
Added on : Sunday March 17th 2013 08:01:05 PM
To keep this from seeming like a thinly veiled brag post, Ill warn you that the first few paragraphs are about me and my personal experience. If you want to get to the meat quickly, you can skip it and check out the list below (Ive put an asterisk where the list starts).A little about me: Im 29 years old, I live in San Francisco (originally from the Midwest and quite poor), I have an associates degree (only because I could transfer credits from a trade school and get it with little effort), I make about $150k/year, the only debt I have is about $80k on a mortgage for a condo that is being rented out at cost (for now). The rent for a two bedroom two bath apartment in SF is split amongst three people - my partner and myself, and our roommate -- not exactly the an optimal situation, but it works for now. I paid for all of my formal education and never received any type of inheritance. The majority of the money I spend (outside of rent) is on food @ ~$500/month, though I splurge every once in a while.My finances are as follows:-$100,000 in savings (this is a terrible way to invest liquid assets, but I really only did it because I needed to prove to myself that I could make it happen -- Having 100k in the bank had been a goal of mine since childhood and I needed to literally see that amount in my bank account to feel like I achieved the goal and could cross it off my list - now that Ive met the goal, I can start investing more).-$25k in stocks and mutual funds. I put money in the market when it had pretty much hit its bottom during the recession - I read as much as I could and put in where I saw value.-$30k in a Roth. I knew I needed to get retirement addressed when I first started investing, so this is how I started.-Over a million points/miles/rewards/etc by keeping my credit healthy and playing the credit card game to win -- I spend very little of my own money on travel, but to the outside world, youd think that I was raking in the cash and living the good life (Im only doing one of the two).My friends tell me how lucky I am, I tell them luck has little to do with it and that life is a game that you either play or get played.Why am I sharing the above information with you? Im not wealthy by many peoples standards, but I do live a very comfortable life. If I just put out a list, I feel like it could be easily discounted, but these resources have helped me to be where I am today. No debt, surplus of savings, money in investments, traveling around the world (for free). Anybody can do it - but they have to want it bad enough to make it happen and these resources have helped me tremendously.
*Here is a list of my resources that Ive discovered and have helped to make me successful. Theres so much free and valuable information available that its ridiculous, so lets get started.People (you can watch/listen to these people talk on Youtube):-Zig Ziggler - Motivational speaker
-Tony Robbins - Motivational speaker
-Tim Farriss - Blogger
-Les Brown - Motivational speaker
-Warren Buffett - Investor
-Ramit Sethi - Blogger
-Seth Godin - Marketer and writer
-Gary Vaynerchuk - Author and social media expert
-TEDTalks - All available online, great resource for raw learning from brilliant people
-Many, many finance blogs that are tracked via RSS for easy reading.
-FWF - I've taken a ton of information that's available here and applied to to my personal life. Can't thank FWF folks enough for this!
Books/ebooks/audiobooks, many of which can be downloaded for free via your local library website. Why pay for something again when youve already paid for it?
(Amazon also carries these books):-How to Win Friends & Influence People
-The 7 Habits of Highly Effective People
-Think and Grow Rich
-Never Eat Alone: And Other Secrets to Success, One Relationship at a Time
-Switch: How to Change Things When Change Is Hard
-Made to Stick: Why Some Ideas Survive and Others Die
-Influence: The Psychology of Persuasion
-The Tipping Point: How Little Things Can Make a Big Difference
-Outliers: The Story of Success
-Crush It!: Why NOW Is the Time to Cash In on Your Passion
-The Thank You Economy
-The 4-Hour Workweek
-The $100 Startup: Reinvent the Way You
-Linchpin: Are You Indispensable?
-Delivering Happiness: A Path to Profits, Passion, and Purpose
-Guerrilla Marketing for Job Hunters 3.0
-The Personal MBA: Master the Art of Business
This is a growing list, but in order for them to be effective, youve got to push yourself. You have to make it happen. These resources add fuel to the fire that already exist. If this post ends up being something that my fellow FWers are interested in, Ill add to the list; otherwise Im happy to keep on keeping on.
What do you use to keep pushing yourself to meet your stretch goals?
investing in foreclosures via "redemptions"
Added on : Sunday March 17th 2013 05:01:03 PM
Hello, I was approached with an investment opportunity and wanted to see if FWF had any previous experience.After a bit of googling, I believe this is specific to my state (MI). This is what the state website says about the end of the foreclosure process.After the property is sold at a sheriff sale the mortgagor has a redemption period during which time the property can be reacquired.

The redemption period in Michigan is usually six months, except in situations where there are more than four units; less than 2/3 of the original debt owed, multiple acres and/or abandonment occur.

In order to redeem the property at this point you must pay off the mortgage, all interest and late fees, court costs, attorney fees, title and appraisal fees. If the sheriff deed holder paid taxes or insurance after the sheriff sale, the mortgagor must pay those fees as well.
http://www.michigan.gov/mshda/0,4641,7-141-45866_62889_47905-177...At the Sheriff sale, the property is usually bought by the bank that owns the mortgage for the value of the outstanding mortgage. The process of "redemption" investing works like this1) After a property has been sold at sheriff sale, find the owner and offer cash (call it X1) for them to sign over the title to the house.2) Pay off the remaining balance of the mortgage plus fees (see above quote) (call this amount X2) for you to have house free and clear.3) Fix up the house (call this amount X3)4) sell house at market price (call this amount X4) Thus the profit is supposed to be X4-(X3+X2+X1). The money is made were that difference is fairly large.The main difficulty, as I understand it is two fold. In part 1), you have to find and convince someone going through a foreclosure to sell you their house when they know you are doing it to make money. Of course, they are losing the house anyways at this point, but they will still be pissed.The second difficulty is that you have to come up with the cash X3+X2+X1, which can be significant (compare to coming up with 20% for rentals). Thus I have approached to invest as partners.The person who approached me was the guy doing all the grunt work for someone else for a commission. He claims to have done about 12 of these in less than two months netting almost half a mil.Anyone have any experience with this sort of thing?
Balanaced Portfolio?
Added on : Saturday March 16th 2013 07:01:02 AM
Hey guys/Gals, I was looking through some of the posts on here and there seems to be some people here that know a thing or two about money and investing it properly. I am a 42 year old guy and somewhat new to the investing world. My question is this, how can I tell if my portfolio is balanced? I guessing it isn't and I should add bonds to my my other ETFs but bonds are in the tank right now so I can't see the sense in adding something that isn't going to make money. I don't own any stocks, just ETFs and Mutual funds. Thoughts and advice welcome. Thanks
Question about REIT's with high dividends. What's the catch?
Added on : Saturday March 09th 2013 12:00:59 PM
I'm a very new investor. I've spent many hours of research learning, and plan to spend many more, but currently I do have a lot to learn.I have recently been reading a lot about REIT ETF's. Many of them seem stable to me, for example investing in properties that are rented out to health care facilities, and similar. And biggest of all, I've found quite a few that currently have a 10% or above dividend yield.I'm basically wondering what the catch is. With 10% or higher dividend yield in dividends alone, I'd almost think you wouldn't even be able to buy them because people would be fighting over them so much. I know dividends can be cut, but even if they were cut down to 1/3 or even 1/4, many of these would still have equal or higher yields than a great deal of the ETF's out there that still are talked about often. Unless perhaps people in general just hope that growth of other stocks/ETF's will outperform an ETF with dividend yield, but not a lot of growth? Maybe someone can understand what I'm trying to ask and clear this up for me a bit?
PS: My primary investment goal is to be able to preserve the value of the assets I have (keep up with inflation), while gaining an additional stream of income to make everyday life just a little easier and not have to work quite as hard.
Peer to peer lending clubs
Added on : Saturday March 09th 2013 10:01:17 AM
Anybody invested money with prosper or lending club? These are peer to peer investing clubs which match investors with borrowers and offer good rates to investors.I was considering investing & wanted to see if anyone had any experiences to share
Teaching finance/investing to kids ... ideas?
Added on : Friday March 08th 2013 09:01:04 PM
Hello fellow fwers,My 9 y.o. got interested in investing "in companies that bring income." Realizing how childish her thinking is, I do not want to quench the spirit but would like to assist her in discovering the realm of passive income, just in the spirit of FWF. Hence, my question. What are some helpful yet easy-to-understand ways for kids to understand how investing works? I am especially interested in what worked for you. I am aware about boggleheads forums and will head there soon.Thanks in advance for your input.
MLPs - Master Limited Partnerships - Anyone know much about them?
Added on : Tuesday March 05th 2013 03:01:03 AM
I was thinking of investing some money into MLPs. Has anyone tried this before? Good/bad?
Permanent (Cash Value) Life Insurance
Added on : Monday March 04th 2013 07:00:57 PM
I've been looking into additional life insurance over the last few months and I fully understand the buy term and invest the difference approach so I'm not interested in that debate. I have done quite a bit of reading and it appears the general consensus is to choose one of the four large mutuals in cases where a permanent death benefit is needed/desired. However, I do not fully understand this approach as I find it may conflict with buying insurance for the purpose of insurance needs and not as an investment. Why would one not go with a large stock company (Metlife) if they provide the cheapest insurance cost?
I've gone through and solicited a number of illustrations from both mutuals and Metlife and here is what I found.
Met Premium = $2800, MassMutual Premium = $3100, NWM Premium = $3900. As illustrated, all policies show similar guaranteed CSV beyond the 20 year mark. As illustrated the Non-G CSV does show a slightly higher return on MM and NWM over Met; however, taking the extra 300 or 1100 per year and investing at a reasonable rate can overcome the Metlife shortfall on a Non-Guaranteed value. Additionally, in cases where buying paid up additions is desired, wouldn't it make sense to go with the one with the lowest cost insurance?
I'd be interested in knowing what I am missing in my review of the illustrations, but other than past performance I'm not sure what the rationale would be for avoiding a non-Mutual.
Thanks in advance.
Sharebuilder Rate Change for trades
Added on : Thursday February 28th 2013 12:01:02 PM
I got a notice about Sharebuilder (formerly ING, now Capital One 360) changing their trade and margin rates:"We've got some big news: our online trade price is dropping on March 1, 2013.Online trades drop to $6.95 on March 1 how cool is that?
Starting March 1, 2013, all ShareBuilder customers will pay only $6.95 per trade for stocks and exchange-traded funds (ETFs). Options trades will also drop March 1 to $6.95 commission and $0.75 per contract for all customers.Margin rates are changing
Effective April 1, 2013, we're expanding our margin rates from four tiers to eight. If you use margin, you may be affected, depending on your balance. A couple examples: as of April 1, balances under $10,000 will have a 7.7 percent rate, a balance of $150,000 will have a 6.5 percent rate. See upcoming margin changes."What it doesn't say is anything about the automatic investing rates. I just confirmed with a CSR that those will continue to be $4.So, nice that they are keeping that price the same and lowering the other rate by $3.
Converting Vanguard ETF to equivalent mutual fund
Added on : Monday February 25th 2013 03:00:59 PM
I recently opened a Roth IRA with Vanguard and put ~5k into VOO their S&P 500 ETF.
I chose this over their mutual fund equivalent VFINX because the expense ratio is .05 instead of .17 .After doing this I discovered that you cannot setup automatic investment for ETFs.
Also if your balance in VFINX reaches 10k you can upgrade to Vanguard's Admiral class version VFIAX
which has an expense ratio .05 which is the same as the ETF.Can I just sell all my shares of the ETF and buy VFINX? ( market is up currently from original purchase so no wash sale ) or is it a better idea to leave the ETF alone and do all future automatic investing in VFINX? Also the mutual fund has a min initial investment of 3k which I have the cash to dump in right now if I go that route.
Help! Bond Question!
Added on : Monday February 25th 2013 12:01:14 PM
Hello Everyone,So I am new to investing and am in a basic investment class. We're working on Bonds right now, and I am having trouble with a question. It is:A 5 year bond with a face value of $5,000 with a 4.5% coupon, makes semi
annual coupon payments, and has a discount rate per year of 4.3%. What is
price of this bond?I don't get how I am supposed to calculate this? Do I use the discount rate to get the present value of the bond based on the $5,000 face value? Does this lead me to the yield to maturity?Help! I would really, really appreciate it!
American Funds?
Added on : Saturday February 23rd 2013 12:01:17 AM
FIrst, I consider my understanding of investing options below average. I'm looking for a place to stash money and let it grow. The various American funds seem like a good option. How is the best way to go about investing in it? I know brokers have fees... do I have to have a broker? Or can I buy the fund on my own through a place like E-Trade? Thanks for the help. Please feel free to mention any other good options you know of.
Where to get yield?
Added on : Friday February 22nd 2013 11:01:05 AM
I'm currently helping a relative set up a retirement portfolio. Mid 50s, disabled, recently received a lump-sum from social security. Absolutely cannot earn a salary or do much of anything to earn a living. My experience is all with common stocks, mostly value-investing (obviously) in an aggressive way because I am young.1. In normal economic times, I would recommend that this person put a lot into bonds. However, bond yields are awful right now, and I believe they are risky because interest rates can't go much lower, but could go way up. Am I wrong? Are there certain bonds I should consider? If so, what vehicle should I use (managed mutual fund, index fund, etc.)?2. What about preffered stock? Are these a better risk/reward ratio right now? If so, how should I buy them (again, mutual fund, index fund, etc.)3. Defensive common stock? I'm thinking about utilities, safer companies like PG, JNJ, pharmaceutical and healthcare stocks? These have better dividend yields than many of the bonds out there, and more upside, but they also have some downside risk.4. Something else I'm completely overlooking?5. What would be an optimal portfolio of these asset classes? i.e. 50% utility/defensive stocks, 30% preferred stock, 10% S&P 500, 10% mid to small cap? I'm looking for maybe 8% return with the lowest risk I can get.
Standard disclaimer: I will not interpret anything as financial, tax, or legal advice. Just looking for ideas.
Dividend paying stocks discussion
Added on : Thursday February 21st 2013 11:00:59 PM
I saw the thread about individual stock discussion. But that thread is all over the place. It is difficult to follow discussions.
I'm hoping to focus on dividend paying stocks only. Yields of at least 2.5%, I prefer close to or more than 4%.
I want to keep it narrowed to those stocks which have earnings (or cash flow) greater than the dividend payout so that the dividends are reasonably secure. Preferably as close to twice the dividend payout as possible.
Also, we give priority to companies with a long record of paying dividends without fail... better yet, never decreasing their dividends and sometimes raising them!
We don't just find them to buy them... we wait for pullbacks in price so that the dividend yields are higher than usual... or we find some trend in the business such that we expect improved earnings or cash flow to allow further increases in dividends later... or we use Ex-dividend dates as a tendency of the stock price to stay up or rise as we approach that ex-div date and use that phenomenon to our advantage such as selling naked puts that expire before that ex-div date... or sell naked puts OTM and be glad if it ends up ITM with stock put to us at that lower strike price... etc.This thread will take a little more effort to find these gems instead of the "individual stock discussion" thread. But getting dividend stocks is a nice subset of stocks. Plus we can all learn a little bit more about investing...
Pay off my truck or start investing? Need advice
Added on : Friday February 15th 2013 03:01:12 PM
A little background about myself. I'm 25 years old, a High School teacher/hscoach trying to do my best to prepare for the future. I have all my student loans payed off except for about $17,300. I will have $17,500 in loans that will be forgiven by the government after 2.5 more years of teaching. I have looked into it and made sure I qualify and this is a for sure thing. I owe $8,200 on my truck which has an interest of 4.54%. I thought this was pretty good but it seems that I could get much better rates than this now compared to when I bought the truck back in Aug. of 2009. I bought the truck new which I regret but I'm close to paying it off and figured I would drive it as long as it will run.My question I have is should I go ahead and pay the truck off which I could have payed off in September of this year for sure or should I go ahead and start investing and take a little longer to pay off my truck? I plan to invest into mutual funds through a Roth IRA.I appreciate anybody that can help!
Amazon.com - Free Kindle Books - Links by Category
Added on : Wednesday February 13th 2013 06:00:42 AM
At any point in time, Amazon has between 5,000 25,000 books for free in the Kindle store, with free meaning not only do they not cost you anything, but Amazon will also deliver them to your Kindle for free.If you click the links below, you will be directed to the appropriate category of free books. For example, if you click http://smarturl.it/kindlemystery your browser will open to the free Kindle book offers in the Mystery category. You may want to stick this page to the top, bookmark this page or bookmark the links below as the free book offers are updated several times each day.The number of books free in this (and any other) category change each hour and, just because you may click the link(s) above doesnt mean each and every book listed will be free: if a price is showing, it may mean the price is (a) about to change to free and the Amazon server hasnt caught up yet, (b) was free but is now back to paid status, or (c) any of 1,001 different reasons. The key thing to do is to carefully look at the price before you click the buy button on the Amazon website. Because of the price changes, you may want to click the Sort by option in the top right-hand corner and change that to Price: Low to HighJust click any (or all) of the links below and start downloading your free Kindle books!
Note: To download a Kindle Reader for your device CLICK HERE
All Free Kindle Books: http://smarturl.it/ebooks or http://smarturl.it/fkbtAll Non-Public Domain: http://smarturl.it/freebooksAction: http://smarturl.it/kindleactionAdventure: http://smarturl.it/kindleadventureAdvice: http://smarturl.it/kindleadviceArts: http://smarturl.it/kindleartsBiographies: http://smarturl.it/kindlebiosBusiness: http://smarturl.it/kindlebizChildren: http://smarturl.it/kindlekidsClassic: http://smarturl.it/kindleclassicComics: http://smarturl.it/kindlecomicsComputers: http://smarturl.it/kindlecpuContemporary Fiction: http://smarturl.it/kindlecontfictionCooking: http://smarturl.it/kindlecookingDrama: http://smarturl.it/kindledramaEntertainment: http://smarturl.it/kindleentertainmentFamily: http://smarturl.it/kindlefamilyFantasy: http://smarturl.it/kindlefantasyFiction: http://smarturl.it/kindlefictionFood: http://smarturl.it/kindlefoodGay: http://smarturl.it/kindlegayGraphic Novels: http://smarturl.it/kindlegraphicHistorical Fiction: http://smarturl.it/kindlehfHistory: http://smarturl.it/kindlehistoryHome: http://smarturl.it/kindlehomeHorror: http://smarturl.it/kindlehorrorHow-To: http://smarturl.it/kindlehowtoHumor: http://smarturl.it/kindlehumorInternet: http://smarturl.it/kindleinternetInvesting: http://smarturl.it/kindleinvestingJokes: http://smarturl.it/kindlejokesLesbian: http://smarturl.it/kindlelesbianLiterary Fiction: http://smarturl.it/kindlelitfictionLifestyle: http://smarturl.it/kindlelifestyleMemoirs: http://smarturl.it/kindlememoirsMilitary: http://smarturl.it/kindlemilitaryMystery: http://smarturl.it/kindlemysteryNon-Fiction: http://smarturl.it/kindlenonfictionParenting: http://smarturl.it/kindleparentingPoetry: http://smarturl.it/kindlepoetryPolitics: http://smarturl.it/kindlepoliticsPublic Domain: http://smarturl.it/kindlepdReference: http://smarturl.it/kindlereferenceReligion: http://smarturl.it/kindlereligionRomance: http://smarturl.it/kindleromanceScience: http://smarturl.it/kindlescienceScience Fiction: http://smarturl.it/kindlesciencefictionShort Stories: http://smarturl.it/kindleshortstorySpirituality: http://smarturl.it/kindlespiritualSports: http://smarturl.it/kindlesportsTeens: http://smarturl.it/kindleteensThriller: http://smarturl.it/kindlethrillerTravel: http://smarturl.it/kindletravelWar: http://smarturl.it/kindlewarYoung Adult: http://smarturl.it/kindleyaWestern: http://smarturl.it/kindlewesternWine: http://smarturl.it/kindlewineWorld Literature: http://smarturl.it/kindleworldlit
Question about mutual funds
Added on : Tuesday February 12th 2013 01:00:57 AM
My wife and I have a non-IRA mutual fund that is doing very well. In fact, it is up 27% right now. We contribute a small amount every month employing the dollar cost averaging method. Up until about 6 months ago, I wouldn't have thought about touching the funds in there unless we absolutely needed them. I've always heard that mutual funds were meant for the long haul and you shouldn't pull anything out until you need it. My goal was to get the most money in my mutual fund. Well about 6 months ago I got into stock investing, specifically dividend growth stock investing and now my goal has changed slightly. Now I can see the benefit of trying to get more shares as well as trying to get the most money. Now, I'm thinking I should sell some of the shares in the mutual fund to take a profit and then wait until the fund drops down to 5% or 0% and buy back shares at a lower cost per share therefore getting a lot more shares. So when it goes back up again, I'll have even more money. Does anyone see anything wrong with this idea? I'm assuming I would be taxed on the amount I sold.
Thanks for the advice.
Mike
i need help measuring the financial risk?
Added on : Monday February 11th 2013 05:01:23 PM
What is the best textbook for risk assessment?
I need information how to measure the financial risk when investing in machines and equipment? my textbook is from 1999, may be there are better ways now?
Yet another request for buy or rent advice!
Added on : Monday February 11th 2013 01:00:59 PM
Hi, super-longtime lurker coming out of hiding here.I have three young kids, a husband in medical school, and 50k in liquid investments. My goal is to keep as much of that as possible. Since hubby's started med school, we've dipped into our investments and already burned through 50k. I need to find a way to hang onto what we have, and make it work for us. I don't want to end up a couple hundred thousand in debt right before my kids start college.I've been studying real estate investing, and think this may be the way to go. I'm in Atlanta, and in the current market I could use the investments to buy a home (or a couple mobile homes) with cash, rehab it, and resell it for profit. We also own a rental property that we can refinance and take some cash out if needed.Problem is, our living situation is changing; we currently live mortgage/rent free in an overseas relative's house, but they recently decided they need to sell. Where we want to live (near the med school, with good schools for the kids) the rent is going for $1300-1500 for a 3bd/2ba. Market value for homes built in the 90s+ are around 150-250k for a 3bd/2ba.We aren't sure how long we will be in the area, but probably somewhere between 2-5 years.Our financial situation:
- Med school loans @ 40k/year
- Kids and their extracurriculars, about 1000/year
- I work parttime. It covers groceries and gas.
- About 15k in consumer debt, transferred to 0% interest credit cards every 18 months
- Cars paid off
- Rental home has cash flow of about $150/month
As far as I see, we have two options:
-We rent, and use our $$ to invest RE
-We use our investments to buy a short-sale/REO home, fix it up and sell it in the next few years for profitSo, what do you think? I'm coming to you wise FW finance people for advice, because honestly I don't even know who to begin asking these questions to. Accountants? Investors? Realtors? I have a lot of respect for the advice given here from some of you.Thanks.
Broke mama
Kill the mortgage, or do something else?
Added on : Sunday February 10th 2013 09:01:02 AM
29 years old and married, excellent credit, bought house in 2009 for $220K at 4.5%/30yr. $161K left on mortgage. House value has probably lost 2-3% at most (was appraised at $223k), but is still in the ballpark.We don't make a bunch of money, but live cheap and easily make our mortgage payment. We have a solid nestegg in our collective savings and I suppose if we scraped together every cent in every non-retirement account, we could probably pay off the mortgage with absolutely nothing left -- obviously do not want to do that. Why all this money just sitting around?? Basically, just living cheap and having a general fear of investing.Quite honestly in the beginning, I was complacent in paying extra toward the mortgage and in a way, just ignorant. I hadn't really stared long enough at the amortization tables to see how much paying early, extra, helped matters. We HAVE been paying a tiny bit extra toward the principal here and there, but nothing drastic. With interest rates on personal banking accounts being in the crapper and the tax deduction dwindling to basically nothing, it is really making me ill to see how much interest we're paying, especially given my "fear of investing" as previously stated. I'm actually obsessing over doing something more intelligent with the savings and this seems like the sure bet.The catch, is that I'm not sure how much longer we will stay in the home. Maybe 1 year... maybe 3 years, but I'd say no more than 5 at maximum.Even if we moved 8 months from now, correct me if I'm wrong, but doesn't it still make sense to pay toward the mortgage as much we can given that we have emergency savings? It is still an OWED amount we are paying interest on. I keep hearing "don't worry about it until you get into your next home" -- but I can't wrap my head around that. I guess the only question is whether we throw a re-fi consideration into the mix. I presume if we stay more than 1 year, the 15 year re-fi makes sense -- I'm not fully aware of the fees involved though.
Automatic Investing in ETFs
Added on : Saturday February 09th 2013 04:01:02 PM
Any suggestions for automatically investing small amount (~500) every month into predetermined ETFs? I currently have Fidelity (mySmartCash) account, Ally (source for automatic funding) accounts. - I don't mind opening a new account if required, if possible I would like to setup with my existing accounts
- Thinking of ETFs like VTI, VOO, IVV(iShares)
- I looked at betterment but that will cost extra fees
Help me Fatwallet you're my only hope (New Job and need your wisdom)
Added on : Tuesday February 05th 2013 12:01:10 PM
Oh wise Fat wallet Sages I seek your wisdom. I have an account, but my normal account contains part of my name and since Im giving some personal financial information I opted not to use it. Background:
Ive worked in the past in the Phone industry, Bank, University, and Health care provider, but I feel that this latest job will be a potential career (CA govt). I know Im a bit behind in my savings, but I took a hit during the recession and had issues with an investor that I trusted. I would greatly appreciate any tips or suggestions to maximize saving / investing for starting a new career and possibly new outlets that I havent contemplated. My current plan is to go back to school (part time) while working. Because I have limited experience (in auditing) I was thinking of going to the local junior college and getting an accounting AS or certificate to fortify my knowledge base. I also would like to get a Masters for career development, but Im not sure what MS Accounting or MBA and if it is needed (read an article about several people with post graduate degrees saying it wasnt worth it)Personal info:
Age: 28
Children: none (dont really want any)
Status: Single
Current Bachelors: EconomicsFinances:
Car: paid off
Housing: Paid for I just pay utility bills
Savings: 401k: $4,000; Liquid: $1,000
Travel: Drive about 600 miles a month, but I may drive more with the new job
CC Debt: $2,000
School Debt: $10,000 (I can pay this off with an UTMA)New employer:
state Govt
Salary: 40-50kGoals:
Go back to college and get a masters (in 4 years).
Save for college and retirement.
Look into possible rental properties (5 years)
New car, hopefully something sporty
Questions:
Is there an account to save up for ones own education? I know there are 529 but I think those are mostly for dependents.
Do I need insurance if I have no dependents? I think that my savings can cover my funeral expenses.
Based off what Ive listed do you have any tax saving tips?
For a person in the audit industry, what Masters program would you suggest?Also if you have any other comments or suggestions or need to clarify anything please post.Thanks,TLDR: I just started a new job with state govt and I need suggestions on how to maximize my potential earning / savings (Ie: post graduate schooling, Saving 401k/Roth) so I can avoid my fear of working when Im old.
Saving for Retirement (Without Living Like a Pauper or Winning the Lottery) Updated and Revised [Kindle Edition]Gail MarksJarvis (Author) Publication Date: August 6, 201243 Reviews and ☆☆☆☆
23 LikesSaving 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.
Amazon Coupons
https://www.tanga.com/deals/a77c6254d3/kiplingers-personal-finan...Kiplingers Personal Finance Magazine was a pioneer in personal finance journalism. Founded in 1947, this magazine lends a hand to more than one million subscribers a month. Issue after issue, Kiplingers shows readers how to manage their money better, get ahead on their careers, buy insurance and minimize taxes.This magazine has 12 issues per subscriptions and you can buy 1 year.$6.99 w/ coupon code STARTINVESTING
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Invest with Venture Capital or Private Equity
Added on : Wednesday January 30th 2013 10:00:56 PM
Does anyone have any experience or knowledge about investing with venture capital or private equity?I'm just starting to gather some info about it, and it seems like every group talks about their investments and the process to get money from them, but they don't talk about how they get their funds in the first place.The few things I've read seem to indicate they are mostly funded by organizations like endowments or pension funds, with no mention of how an individual investor can get involved. Is this even feasible? How much money are we looking at to get started?
Betterment $100 Bonus for $10,000 over 60 days
Added on : Wednesday January 30th 2013 12:01:05 AM
From Hustler money I learned of this brokerage bonus plan.The Hustler review is at http://www.hustlermoneyblog.com/betterment-100-brokerage-bonus-r...and the Betterment $100 Offer can be found at at:http://www.hustlermoneyblog.com/betterment-100-brokerage-bonus-r...and the $25 offer at:http://wealthpilgrim.com/betterment-review-easy-investing-option...The bonus offers do not appear if you just use a Google search to go to Betterment's web site, where the only offer is a 30 day free trial.Betterment stands out with two offers, for the high rates of return. They have a $25 bonus for $250 offer and a $100 for $10,000 one. Both appear to require leaving the money there for only 60 days. The result of the short required holding periods is a high rate of "added" return (over what the underlying investments yield).Although labeled a brokerage, the firm really offers a unique product which is a cheap way to hold a diversified, regularly rebalanced portfolio. They charge annual fees rather than commissions. On the $10,000 investment it is to be .25% per year (which is $25 per year, or $2.25 per month). Smaller accounts pay $3.00 per month.For the bonus hunter, the smaller $250 investment would appear to yield an extra 10% in value, which over 2 months is 60%per year. a slightly better way to look at it would be you get an extra $25, reduced by perhaps $6 in fees (I am figuring you will be there for 3 months, with the first month free). This reduces the profit to perhaps $19 and the annualized extra return to 30%. However, for this small bonus the more relevant question is the return on your time, and it is only $16 for the work of opening the account, funding it, and closing it. This is not very high unless you really need money, or do want to try out their service.Going for the $100 for $10,000 for 2 months deal, the fees would be only $25 per year, or $2.25 per month (and it appears the first month is free). If there for three months (first free) the profit is $96 (which might be a reasonable return on your time), and the annualized excess return 5.76% over what the underlying investments earn. Again, one has the benefit of trying them out, and one might decide they met your needs (designed for someone with limited assets who wanted automatic rebalancing and a reasonable diversification with little work).While not designed for traders, someone who thought they could decide when to be in equities and when not to, this could provide a very low cost trading vehicle.Has anyone had any experience with them? or know of any jokers? One issue I see is extra work on taxes. Basically you move between a "Treasury Basket" and a "Stock Market" basket of ETFs. There are 8 securities here, and if each is reported separately, there might be a little work. Computationally, the total profit could be computed over a holding period (if there was no trading) and just reporting this as a short term gain or loss would create no problems. They say their tax statements can be automatically downloaded to TurboTax.One minor complication in this this deal is that the lowest fee is based on having $10,000 in the account. With a market decline, you could have slightly less and not get the best .25% pricing. The pricing would then seem to be $3.00 per month, instead of $2.25 per month (not a disaster) or you could put a little more money in to keep the average balance over $10,000. With downloading the TurboTax, the taxation complexities would not seem high.Another specialized use for this product would be as a low risk place to park spare funds. One would choose to stay invested in the "Treasury Portfolio" and then move money in and out from your bank. The fixed income ETF can be expected to yield more than bank deposits in saving accounts, and appear to be more liquid than CD's. While you could buy these ETF's (50% TIPS and 50%SHY) in a brokerage account, this may be a cheaper way than paying commissions in and out (and suffering from the spread).Does anyone know whether this might be repeatable? If so, the high annualized rate of return makes it more attractive. I did not notice any fine print preventing multiple accounts for the same person, or repeating the offer, although I expect this would not be allowed. If I took this offer I would probably go in for slightly over $10,000 (to increase the probability of getting the lower charges even if there was a market decline) and chose the 100% Stock Portfolio. This would then be just another index type equity holding in a much larger portfolio.
Truth About ETF Rotation - Free Kindle Book
Added on : Tuesday January 29th 2013 12:00:03 AM
Truth About ETF Rotation - Fund Your Retirement by Investing in Top Exchange Traded Funds in One Hour Per Week (Beat The Crash) [Kindle Edition]
Jackie Ann Patterson (Author)http://www.amazon.com/Truth-About-ETF-Rotation-ebook/dp/B009ZPWG...
Amazon Coupons
Investment opportunity
Added on : Monday January 28th 2013 02:00:58 PM
I'm curious what FWF thinks of this investment opportunity.A friend has been with these people for 3 years and has done decently well (I don't know his exact return).They claim they are averaging a 19% return per year.Basically, two guys manage about 15 "pools" of funds. Each pool has 250-350k which is contributed by 1-4 people.With the funds they buy properties in a relatively small geographic area at the county foreclosure auction (hard hit area in CA). Each pool buys 1 property at a time. They fix it up and flip it. They average about 1 flip per 110 days (so just over 3 per year). They try to make 20k per house, sometimes it is more, sometimes less. They have bought 70+ houses in 3 years and never lost money (although they have had a few brekevens)Each pool is a LLC that they own 50% of and the "investors" own 50% of. Their contribution is services and the investors contribute the capital. They said it is structured that if the company dissolves the capital goes back to the investors (so they can't just dissolve the company and keep 1/2 the investment) - excluding losses on a property. So they do keep 1/2 the profits from each sale. Obviously the risks are that they buy a bad property, however it seems unlikely to cause huge losses because they drive by all the properties they buy and often talk to the current residents. If they bought a property that was a meth lab or something I could see it getting expensive. Anyway, what does FWF think?
I'm considering investing a bit to learn about the process... the return isn't a huge deal to me.
*** DEAD **** Kindle Books for 01.26.2013
Added on : Sunday January 27th 2013 09:00:44 AM
Flying with Baby - The Essential Guide to Flying Domestically with Infants ...[Kindle Edition] - normally $2.99Flying with Baby - The Essential Guide to Flying Domestically with Infants Under 1 Year OldMeg Collins (Author), Carol Boyce (Editor), Danijela Mijailovic (Illustrator)39 Reviews - and ★★★★★
9 LikesPublication Date: October 30, 2012Are you dreading your babys first flight? "Can I bring breastmilk through security? And what about her ears popping during takeoff and is my car seat certified to bring aboard?" Blogger Meg Collins (CPST) of LuciesList.com addresses all of the commonly asked questions and concerns about flying with your baby. With input from veteran flyers and flight attendants, youll learn exactly how to get from A to B as easily as possible.Topics include:- Buying tickets
- Where to sit
- How to score a free seat
- Dealing with you car seat & stroller
- Getting through security
- Breastfeeding & pumping
- Keeping your baby happy
- Feeding & more**************************************************************************************The Cornbread Bible: A Recipe Storybook [Kindle Edition] - normally $3.99
The Cornbread Bible: A Recipe StorybookJennifer Shambrook (Author)29 Reviews - and ★★★★★
28 LikesPublication Date: November 19, 2012In The Cornbread Bible: A Recipe Storybook, Dr. Jennifer Shambrook not only shares recipes for some great, low-cost, Southern cooking, but also shares the stories behind the recipes. The people who created the recipes and the people for whom the recipes were created populate this recipe storybook.Dr. Shambrook is a comfortable storyteller and you will find yourself relating these stories as your family or guests eat the down home recipes from this book. With this book, you will find it very easy to be a good cook. You will also find these recipes to be very easy on your food budget. Shambrook cooks with an eye to saving time, effort, and expense.The book offers both recipes and the principles behind the recipes. This enables the reader to follow step by step as they learn the principles, then use these recipes for inspiration to create their own delicious cornbread dishes. There are also general tips such as how to care for cast iron cookware or tell when your oil is hot enough to fry a hushpuppy or corndog.Included in the book are a variety of breads, including many gluten free options. Also included are side dishes (greens with cornmeal dumplings), main dishes (pot roast pie), and a delicious recipe for gluten-free corndogs. There are recipes for breakfast, lunch and dinner.You will enjoy reading the stories behind the recipes as you learn to fry hushpuppies, make the Chihuahua Muffins, or cook hardy cornbread-topped entrees. One of the best chapters in the book is the section on creating cornbread dressing or stuffing. Here, the author shares her version of an easy-to-follow recipe for dressing that has been passed down in her family for generations. But, she doesnt stop there, she offers the principles of how to custom tailor your dressing to suit the tastes of your family and friends.You will find The Cornbread Bible: A Recipe Storybook informative, entertaining and chock full of useful tips that will help you be a better cook while lowering your food budget at the same time.**************************************************************************************
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of! [Kindle Edition] - normally $9.97
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of!Carolyn Woods (Author)28 Reviews - and ★★★★★
7 LikesPublication Date: November 12, 2012Real Moms Work From Home Secrets Revealed: Over 12 years in the making, this content-packed book reveals the best-kept secrets for working from home and building a profitable home business while finding time for your family - when you have kids to take care of! Do you wish you could quit your job and have time to spend with your family?
Do you need to generate some extra income, to help cover family expenses?
Are you trying to get your home business rolling, but not having much success?
Everything is presented in a simple, straight forward, organized way that you can start using immediately!Super Moms Inc. is filled with real, legitimate business plans and proven advice from a hands-on mom who supports her family out of her home! If you are wondering where to start or what to do next, reading this book is a great next step. It covers topics like:
How to leverage your own passions, skills and strengths to make money doing what you love.

How to draw customers to you so you don't have to spend valuable time hunting for them.
Steps to help overcome emergency cash flow problems.
Suggestions for some legitimate services you can provide right now to make money.
How to avoid common missteps which could prevent you from getting paid on time.

Everything is presented in a simple, straight forward, organized way that you can start using immediately!**************************************************************************************Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs ... [Kindle Edition] - normally $2.99
Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! (Job Search Series)Lee Evans (Author)36 Reviews - and ★★★★.5
97LikesPublication Date: September 8, 2012Why You Need to Read This Book!Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! will help you accomplish your dream. Is it your dream to spend more time with family?
Do you need to ditch that exhausting, gas-guzzling commute?
Did you always dream of working at home, but couldnt find a legitimate job?The idea for Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! came from the fact that I trudged to my job, as manager of someone elses business, wondering why I wasnt happy. I was good at what I did, achieved the companys goals, made good money, received accolades, but something wasnt right, there was no sense of fulfillment.I cant convey the melancholy I felt, I worked hard to achieve success, earned every academic credential, had a resume to swoon over. But I wasnt a happy camper. Was this all there was?Once I decided to work at home, it was amazing, I jumped in the air and clicked my feet! Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! is dedicated to all those who just cant go back to work. In addition to the I cant take it any mores of the world, this book will help many who have other compelling reasons, as well. The need to work from home runs deep. Taking the first step to working at home will make you jump for joy. Reading this book will mean youre one step closer to your goal. Dorothy got it right, Theres no place like home!How is This Book Different?How is Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! different from other work from home books? Instead of just providing you with links, I spent months researching each company. I wanted to provide you with the same key indicators that were critical to me. Yes, it meant investing more, taking longer to complete, but I wanted a book that gave you a sense of each company.
Is the company financially healthy?
Has the company been around for awhile?
Does the company have a global footprint?
Does the company have money in the bank?My months of research answered these questions, to provide you with key company data.My Promise to YouI verified all links in Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! at publication. Since companies change web pages, and job needs, if any of the links dont work, simply contact me at Free-Job-Search-Websites.com , and Ill provide you with revised link info.Also contact me regarding any jobs in the book you cant locate. Ill check the status of any included jobs for you.Youre not just buying a book, youre buying my promise that Ill tirelessly provide you with the most up to date info at my disposal. Consider me your Work from Home Job Search Coach for the life of your purchase. I want you to make your dream come true!Learn how to find Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home!
Kindle Books for 01.26.2013
Added on : Saturday January 26th 2013 06:00:40 PM
Flying with Baby - The Essential Guide to Flying Domestically with Infants ...[Kindle Edition] - normally $2.99Flying with Baby - The Essential Guide to Flying Domestically with Infants Under 1 Year OldMeg Collins (Author), Carol Boyce (Editor), Danijela Mijailovic (Illustrator)39 Reviews - and ★★★★★
9 LikesPublication Date: October 30, 2012Are you dreading your babys first flight? "Can I bring breastmilk through security? And what about her ears popping during takeoff and is my car seat certified to bring aboard?" Blogger Meg Collins (CPST) of LuciesList.com addresses all of the commonly asked questions and concerns about flying with your baby. With input from veteran flyers and flight attendants, youll learn exactly how to get from A to B as easily as possible.Topics include:- Buying tickets
- Where to sit
- How to score a free seat
- Dealing with you car seat & stroller
- Getting through security
- Breastfeeding & pumping
- Keeping your baby happy
- Feeding & more**************************************************************************************The Cornbread Bible: A Recipe Storybook [Kindle Edition] - normally $3.99
The Cornbread Bible: A Recipe StorybookJennifer Shambrook (Author)29 Reviews - and ★★★★★
28 LikesPublication Date: November 19, 2012In The Cornbread Bible: A Recipe Storybook, Dr. Jennifer Shambrook not only shares recipes for some great, low-cost, Southern cooking, but also shares the stories behind the recipes. The people who created the recipes and the people for whom the recipes were created populate this recipe storybook.Dr. Shambrook is a comfortable storyteller and you will find yourself relating these stories as your family or guests eat the down home recipes from this book. With this book, you will find it very easy to be a good cook. You will also find these recipes to be very easy on your food budget. Shambrook cooks with an eye to saving time, effort, and expense.The book offers both recipes and the principles behind the recipes. This enables the reader to follow step by step as they learn the principles, then use these recipes for inspiration to create their own delicious cornbread dishes. There are also general tips such as how to care for cast iron cookware or tell when your oil is hot enough to fry a hushpuppy or corndog.Included in the book are a variety of breads, including many gluten free options. Also included are side dishes (greens with cornmeal dumplings), main dishes (pot roast pie), and a delicious recipe for gluten-free corndogs. There are recipes for breakfast, lunch and dinner.You will enjoy reading the stories behind the recipes as you learn to fry hushpuppies, make the Chihuahua Muffins, or cook hardy cornbread-topped entrees. One of the best chapters in the book is the section on creating cornbread dressing or stuffing. Here, the author shares her version of an easy-to-follow recipe for dressing that has been passed down in her family for generations. But, she doesnt stop there, she offers the principles of how to custom tailor your dressing to suit the tastes of your family and friends.You will find The Cornbread Bible: A Recipe Storybook informative, entertaining and chock full of useful tips that will help you be a better cook while lowering your food budget at the same time.**************************************************************************************
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of! [Kindle Edition] - normally $9.97
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of!Carolyn Woods (Author)28 Reviews - and ★★★★★
7 LikesPublication Date: November 12, 2012Real Moms Work From Home Secrets Revealed: Over 12 years in the making, this content-packed book reveals the best-kept secrets for working from home and building a profitable home business while finding time for your family - when you have kids to take care of! Do you wish you could quit your job and have time to spend with your family?
Do you need to generate some extra income, to help cover family expenses?
Are you trying to get your home business rolling, but not having much success?
Everything is presented in a simple, straight forward, organized way that you can start using immediately!Super Moms Inc. is filled with real, legitimate business plans and proven advice from a hands-on mom who supports her family out of her home! If you are wondering where to start or what to do next, reading this book is a great next step. It covers topics like:
How to leverage your own passions, skills and strengths to make money doing what you love.

How to draw customers to you so you don't have to spend valuable time hunting for them.
Steps to help overcome emergency cash flow problems.
Suggestions for some legitimate services you can provide right now to make money.
How to avoid common missteps which could prevent you from getting paid on time.

Everything is presented in a simple, straight forward, organized way that you can start using immediately!**************************************************************************************Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs ... [Kindle Edition] - normally $2.99
Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! (Job Search Series)Lee Evans (Author)36 Reviews - and ★★★★.5
97LikesPublication Date: September 8, 2012Why You Need to Read This Book!Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! will help you accomplish your dream. Is it your dream to spend more time with family?
Do you need to ditch that exhausting, gas-guzzling commute?
Did you always dream of working at home, but couldnt find a legitimate job?The idea for Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! came from the fact that I trudged to my job, as manager of someone elses business, wondering why I wasnt happy. I was good at what I did, achieved the companys goals, made good money, received accolades, but something wasnt right, there was no sense of fulfillment.I cant convey the melancholy I felt, I worked hard to achieve success, earned every academic credential, had a resume to swoon over. But I wasnt a happy camper. Was this all there was?Once I decided to work at home, it was amazing, I jumped in the air and clicked my feet! Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! is dedicated to all those who just cant go back to work. In addition to the I cant take it any mores of the world, this book will help many who have other compelling reasons, as well. The need to work from home runs deep. Taking the first step to working at home will make you jump for joy. Reading this book will mean youre one step closer to your goal. Dorothy got it right, Theres no place like home!How is This Book Different?How is Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! different from other work from home books? Instead of just providing you with links, I spent months researching each company. I wanted to provide you with the same key indicators that were critical to me. Yes, it meant investing more, taking longer to complete, but I wanted a book that gave you a sense of each company.
Is the company financially healthy?
Has the company been around for awhile?
Does the company have a global footprint?
Does the company have money in the bank?My months of research answered these questions, to provide you with key company data.My Promise to YouI verified all links in Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! at publication. Since companies change web pages, and job needs, if any of the links dont work, simply contact me at Free-Job-Search-Websites.com , and Ill provide you with revised link info.Also contact me regarding any jobs in the book you cant locate. Ill check the status of any included jobs for you.Youre not just buying a book, youre buying my promise that Ill tirelessly provide you with the most up to date info at my disposal. Consider me your Work from Home Job Search Coach for the life of your purchase. I want you to make your dream come true!Learn how to find Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home!
Flying with Baby - The Essential Guide to Flying Domestically with Infants ...[Kindle Edition] - normally $2.99Flying with Baby - The Essential Guide to Flying Domestically with Infants Under 1 Year OldMeg Collins (Author), Carol Boyce (Editor), Danijela Mijailovic (Illustrator)39 Reviews - and ★★★★★
9 LikesPublication Date: October 30, 2012Are you dreading your babys first flight? "Can I bring breastmilk through security? And what about her ears popping during takeoff and is my car seat certified to bring aboard?" Blogger Meg Collins (CPST) of LuciesList.com addresses all of the commonly asked questions and concerns about flying with your baby. With input from veteran flyers and flight attendants, youll learn exactly how to get from A to B as easily as possible.Topics include:- Buying tickets
- Where to sit
- How to score a free seat
- Dealing with you car seat & stroller
- Getting through security
- Breastfeeding & pumping
- Keeping your baby happy
- Feeding & more**************************************************************************************The Cornbread Bible: A Recipe Storybook [Kindle Edition] - normally $3.99
The Cornbread Bible: A Recipe StorybookJennifer Shambrook (Author)29 Reviews - and ★★★★★
28 LikesPublication Date: November 19, 2012In The Cornbread Bible: A Recipe Storybook, Dr. Jennifer Shambrook not only shares recipes for some great, low-cost, Southern cooking, but also shares the stories behind the recipes. The people who created the recipes and the people for whom the recipes were created populate this recipe storybook.Dr. Shambrook is a comfortable storyteller and you will find yourself relating these stories as your family or guests eat the down home recipes from this book. With this book, you will find it very easy to be a good cook. You will also find these recipes to be very easy on your food budget. Shambrook cooks with an eye to saving time, effort, and expense.The book offers both recipes and the principles behind the recipes. This enables the reader to follow step by step as they learn the principles, then use these recipes for inspiration to create their own delicious cornbread dishes. There are also general tips such as how to care for cast iron cookware or tell when your oil is hot enough to fry a hushpuppy or corndog.Included in the book are a variety of breads, including many gluten free options. Also included are side dishes (greens with cornmeal dumplings), main dishes (pot roast pie), and a delicious recipe for gluten-free corndogs. There are recipes for breakfast, lunch and dinner.You will enjoy reading the stories behind the recipes as you learn to fry hushpuppies, make the Chihuahua Muffins, or cook hardy cornbread-topped entrees. One of the best chapters in the book is the section on creating cornbread dressing or stuffing. Here, the author shares her version of an easy-to-follow recipe for dressing that has been passed down in her family for generations. But, she doesnt stop there, she offers the principles of how to custom tailor your dressing to suit the tastes of your family and friends.You will find The Cornbread Bible: A Recipe Storybook informative, entertaining and chock full of useful tips that will help you be a better cook while lowering your food budget at the same time.**************************************************************************************
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of! [Kindle Edition] - normally $9.97
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of!Carolyn Woods (Author)28 Reviews - and ★★★★★
7 LikesPublication Date: November 12, 2012Real Moms Work From Home Secrets Revealed: Over 12 years in the making, this content-packed book reveals the best-kept secrets for working from home and building a profitable home business while finding time for your family - when you have kids to take care of! Do you wish you could quit your job and have time to spend with your family?
Do you need to generate some extra income, to help cover family expenses?
Are you trying to get your home business rolling, but not having much success?
Everything is presented in a simple, straight forward, organized way that you can start using immediately!Super Moms Inc. is filled with real, legitimate business plans and proven advice from a hands-on mom who supports her family out of her home! If you are wondering where to start or what to do next, reading this book is a great next step. It covers topics like:
How to leverage your own passions, skills and strengths to make money doing what you love.

How to draw customers to you so you don't have to spend valuable time hunting for them.
Steps to help overcome emergency cash flow problems.
Suggestions for some legitimate services you can provide right now to make money.
How to avoid common missteps which could prevent you from getting paid on time.

Everything is presented in a simple, straight forward, organized way that you can start using immediately!**************************************************************************************Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs ... [Kindle Edition] - normally $2.99
Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! (Job Search Series)Lee Evans (Author)36 Reviews - and ★★★★.5
97LikesPublication Date: September 8, 2012Why You Need to Read This Book!Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! will help you accomplish your dream. Is it your dream to spend more time with family?
Do you need to ditch that exhausting, gas-guzzling commute?
Did you always dream of working at home, but couldnt find a legitimate job?The idea for Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! came from the fact that I trudged to my job, as manager of someone elses business, wondering why I wasnt happy. I was good at what I did, achieved the companys goals, made good money, received accolades, but something wasnt right, there was no sense of fulfillment.I cant convey the melancholy I felt, I worked hard to achieve success, earned every academic credential, had a resume to swoon over. But I wasnt a happy camper. Was this all there was?Once I decided to work at home, it was amazing, I jumped in the air and clicked my feet! Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! is dedicated to all those who just cant go back to work. In addition to the I cant take it any mores of the world, this book will help many who have other compelling reasons, as well. The need to work from home runs deep. Taking the first step to working at home will make you jump for joy. Reading this book will mean youre one step closer to your goal. Dorothy got it right, Theres no place like home!How is This Book Different?How is Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! different from other work from home books? Instead of just providing you with links, I spent months researching each company. I wanted to provide you with the same key indicators that were critical to me. Yes, it meant investing more, taking longer to complete, but I wanted a book that gave you a sense of each company.
Is the company financially healthy?
Has the company been around for awhile?
Does the company have a global footprint?
Does the company have money in the bank?My months of research answered these questions, to provide you with key company data.My Promise to YouI verified all links in Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! at publication. Since companies change web pages, and job needs, if any of the links dont work, simply contact me at Free-Job-Search-Websites.com , and Ill provide you with revised link info.Also contact me regarding any jobs in the book you cant locate. Ill check the status of any included jobs for you.Youre not just buying a book, youre buying my promise that Ill tirelessly provide you with the most up to date info at my disposal. Consider me your Work from Home Job Search Coach for the life of your purchase. I want you to make your dream come true!Learn how to find Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home!
Flying with Baby - The Essential Guide to Flying Domestically with Infants ...[Kindle Edition] - normally $2.99Flying with Baby - The Essential Guide to Flying Domestically with Infants Under 1 Year OldMeg Collins (Author), Carol Boyce (Editor), Danijela Mijailovic (Illustrator)39 Reviews - and ★★★★★
9 LikesPublication Date: October 30, 2012Are you dreading your babys first flight? "Can I bring breastmilk through security? And what about her ears popping during takeoff and is my car seat certified to bring aboard?" Blogger Meg Collins (CPST) of LuciesList.com addresses all of the commonly asked questions and concerns about flying with your baby. With input from veteran flyers and flight attendants, youll learn exactly how to get from A to B as easily as possible.Topics include:- Buying tickets
- Where to sit
- How to score a free seat
- Dealing with you car seat & stroller
- Getting through security
- Breastfeeding & pumping
- Keeping your baby happy
- Feeding & more**************************************************************************************The Cornbread Bible: A Recipe Storybook [Kindle Edition] - normally $3.99
The Cornbread Bible: A Recipe StorybookJennifer Shambrook (Author)29 Reviews - and ★★★★★
28 LikesPublication Date: November 19, 2012In The Cornbread Bible: A Recipe Storybook, Dr. Jennifer Shambrook not only shares recipes for some great, low-cost, Southern cooking, but also shares the stories behind the recipes. The people who created the recipes and the people for whom the recipes were created populate this recipe storybook.Dr. Shambrook is a comfortable storyteller and you will find yourself relating these stories as your family or guests eat the down home recipes from this book. With this book, you will find it very easy to be a good cook. You will also find these recipes to be very easy on your food budget. Shambrook cooks with an eye to saving time, effort, and expense.The book offers both recipes and the principles behind the recipes. This enables the reader to follow step by step as they learn the principles, then use these recipes for inspiration to create their own delicious cornbread dishes. There are also general tips such as how to care for cast iron cookware or tell when your oil is hot enough to fry a hushpuppy or corndog.Included in the book are a variety of breads, including many gluten free options. Also included are side dishes (greens with cornmeal dumplings), main dishes (pot roast pie), and a delicious recipe for gluten-free corndogs. There are recipes for breakfast, lunch and dinner.You will enjoy reading the stories behind the recipes as you learn to fry hushpuppies, make the Chihuahua Muffins, or cook hardy cornbread-topped entrees. One of the best chapters in the book is the section on creating cornbread dressing or stuffing. Here, the author shares her version of an easy-to-follow recipe for dressing that has been passed down in her family for generations. But, she doesnt stop there, she offers the principles of how to custom tailor your dressing to suit the tastes of your family and friends.You will find The Cornbread Bible: A Recipe Storybook informative, entertaining and chock full of useful tips that will help you be a better cook while lowering your food budget at the same time.**************************************************************************************
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of! [Kindle Edition] - normally $9.97
Super Moms Inc.: Work From Home, Build A Profitable Home Business, And Find Time For Your Family When You Have Kids To Take Care Of!Carolyn Woods (Author)28 Reviews - and ★★★★★
7 LikesPublication Date: November 12, 2012Real Moms Work From Home Secrets Revealed: Over 12 years in the making, this content-packed book reveals the best-kept secrets for working from home and building a profitable home business while finding time for your family - when you have kids to take care of! Do you wish you could quit your job and have time to spend with your family?
Do you need to generate some extra income, to help cover family expenses?
Are you trying to get your home business rolling, but not having much success?
Everything is presented in a simple, straight forward, organized way that you can start using immediately!Super Moms Inc. is filled with real, legitimate business plans and proven advice from a hands-on mom who supports her family out of her home! If you are wondering where to start or what to do next, reading this book is a great next step. It covers topics like:
How to leverage your own passions, skills and strengths to make money doing what you love.

How to draw customers to you so you don't have to spend valuable time hunting for them.
Steps to help overcome emergency cash flow problems.
Suggestions for some legitimate services you can provide right now to make money.
How to avoid common missteps which could prevent you from getting paid on time.

Everything is presented in a simple, straight forward, organized way that you can start using immediately!**************************************************************************************Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs ... [Kindle Edition] - normally $2.99
Killer Work from Home Jobs: 200 Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! (Job Search Series)Lee Evans (Author)36 Reviews - and ★★★★.5
97LikesPublication Date: September 8, 2012Why You Need to Read This Book!Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! will help you accomplish your dream. Is it your dream to spend more time with family?
Do you need to ditch that exhausting, gas-guzzling commute?
Did you always dream of working at home, but couldnt find a legitimate job?The idea for Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! came from the fact that I trudged to my job, as manager of someone elses business, wondering why I wasnt happy. I was good at what I did, achieved the companys goals, made good money, received accolades, but something wasnt right, there was no sense of fulfillment.I cant convey the melancholy I felt, I worked hard to achieve success, earned every academic credential, had a resume to swoon over. But I wasnt a happy camper. Was this all there was?Once I decided to work at home, it was amazing, I jumped in the air and clicked my feet! Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! is dedicated to all those who just cant go back to work. In addition to the I cant take it any mores of the world, this book will help many who have other compelling reasons, as well. The need to work from home runs deep. Taking the first step to working at home will make you jump for joy. Reading this book will mean youre one step closer to your goal. Dorothy got it right, Theres no place like home!How is This Book Different?How is Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! different from other work from home books? Instead of just providing you with links, I spent months researching each company. I wanted to provide you with the same key indicators that were critical to me. Yes, it meant investing more, taking longer to complete, but I wanted a book that gave you a sense of each company.
Is the company financially healthy?
Has the company been around for awhile?
Does the company have a global footprint?
Does the company have money in the bank?My months of research answered these questions, to provide you with key company data.My Promise to YouI verified all links in Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home! at publication. Since companies change web pages, and job needs, if any of the links dont work, simply contact me at Free-Job-Search-Websites.com , and Ill provide you with revised link info.Also contact me regarding any jobs in the book you cant locate. Ill check the status of any included jobs for you.Youre not just buying a book, youre buying my promise that Ill tirelessly provide you with the most up to date info at my disposal. Consider me your Work from Home Job Search Coach for the life of your purchase. I want you to make your dream come true!Learn how to find Killer Work from Home Jobs: Fortune 500 & Legitimate Work at Home Jobs - How to Make Money Online from Home!
FYI before you want to become a physician
Added on : Tuesday January 22nd 2013 08:01:01 PM
LinkGlad I'm not a physician. Good read if you are interested in becoming a physician. Not to make it political, but with Obamacare and reduced reimbursements, the income of physicians will likely decrease with increase in work load.
Physicians spend about 40,000 hours training and over $300,000 on their education, yet the amount of money they earn per hour is only a few dollars more than a high school teacher. Physicians spend over a decade of potential earning, saving and investing time training and taking on more debt, debt that isnt tax deductible. When they finish training and finally have an income they are taxed heavily and must repay their debt with what remains. The cost of tuition, the length of training and the U.S. tax code places physicians into a deceptive financial situation.
Brokerage Bonuses ($600 +) for new funding
Added on : Friday January 18th 2013 11:00:59 PM
There are a number of brokerage offers out there that provide bonuses for new accounts, and there are already threads discussing the Schwab and Ameritrade offers. However, there are others. Several of these require opening accounts in the hundreds of thousands. Since many lack this much money, they will be forced to decide which are worth doing. Unlike deals that involve only some time, when one is investing these sums, one likes to know the experience of others and whether there are any potentially expensive problems with any of these. Thus, there seems a need for a single thread where these are listed and people can discuss the comparative merits of them.Below are some I know of (I started with the list of brokerage deals at http://thefinancebuff.com/huge-bonus-offers-from-brokers-fidelit... and want to give them credit. They put some of the bigger ones in a nice table format, and provide links. (Although we are past the deadlines stated, I have discovered virtually all have been extended and are still in effect.) There is another list at http://www.maximizingmoney.com/online-trading-accounts-and-inves...If there is someone who was watched these offers for a while, it might be nice to know how often they are made, or extended. Many firms put short deadlines on their offers to motivate you to act now, but seem to keep extending the offer, or periodically make similar ones.Is there any scope for "churning" in which you take an offer and then later repeat the offer?Here are some general comments. Offers of this type are attractive for the total money received. Positions have to be held somewhere, so why not where they can give you an extra $600 or so. The money is not really locked up, since you can take it out (and not get the bonus). Any of the major brokerage firms provide a way to buy and sell Apple, Ford, the major exchange traded funds, bonds, and mutual funds, and there are not gigantic differences between them in what you can do and at what costs. However, with large sums of money involved, small percentage differences in returns, or fees, or details like returns on idle funds, or how fast they transfer assets in can have a significant impact.For instance, the Schwab offer seems to require you to keep your money with Schwab brokerage, and does not provide for you to invest idle funds in Schwab bank, for a slightly higher return. (all of .15% in checking, and .25% in saving), much less move it out to a Credit union for a few days of higher interest. If only enough funds or positions are moved to qualify for a bonus, one may have the trouble of having two (or more accounts),but one can try out another firm. One may discover advantages that lead one to stay with them, or move all of you funds. Over several years the benefits of the new firm could be worth several times the bonus (and of course, you may suffer disadvantages that exceed the bonus, if there are either costs in shifting the assets, or unanticipated problems with the new firm).Some of the considerations include: How much return will be lost when the funds are tied up during the transfer? CREF tells me transfers should take 5 - 7 days for IRA's. Firms will often close your positions out, and then hold the cash for a few days, and then mail the other firm the check. Your funds are likely to be out of the market for at least a few days. Just to illustrate the money that can be involved, if you believe you can earn 10% per year in stocks (a historical possibility) and are thinking of moving $250,000, this is $68.49 per day, and if you are out of the market for 7 days, this is $479.45, which is most of a $600 bonus. If you then try to bring the money back, there would be a similar cost. This makes some of these deals no longer look so attractive.If you can transfer positions without fees, this may not be a problem. However, many IRA's are in propriety funds which cannot be transferred. You may find out that the retail funds in a brokerage IRA are more expensive than the proprietary funds in some other plans. When large sums are involved, you should look closely at annual expenses.Are there any adverse tax consequences? If you find you have to convert funds to cash for an easy transfer, this can create a capital gain, and possibly prevent you from receiving the long term capital gains rate.,What will be the cost in time and money of learning new brokerage firm's procedures? An active trader will be attracted by the offer of a large number of free trades, but if unfamiliarity leads you to make mistakes, it could cost you more than the value of the trades.There may be hidden costs to closing accounts. Years ago I opened several accounts for bonuses, and found account closing fees that were inadequately disclosed. Are you gaining or losing any valuable investment opportunities that are available only through certain firms (margin borrowing at better rates, the opportunity to trade Schwab ETF funds for no commission, etc.).For instance, I have substantial money in the CREF Real Estate Fund, and currently if you take money out, they will not let you buy back in if your total position is over $150,000. I have found this a rather nice investment vehicle, and losing several years earnings from it could easily outweigh any small bonus from moving part of the investment elsewhere.Offers with their own threads on Fatwallet include Ameritrade
http://www.fullofdeals.com/forums/finance/1249566/Schwab (although the title mentions an Apple Gift card, they have offers for cash rebates that go up to $600, which are more attractive).
http://www.fullofdeals.com/forums/finance/1247361/MerrilEdge is offering up to $600. See:
http://www.merrilledge.com/iraoffer?oc=17jzihs&cm_sp=gwm-selfdir...E Trade if offering up to $1,000 for a quarter million.
https://us.etrade.com/e/t/jumppage/viewjumppage?PageName=cashcon...Fidelity is offering up to $2500 for over $1,000,000.
https://scs.fidelity.com/other/offers/registration_casha.shtmlThe Sharebuilder $200 for $10,000 promotion. This has been extended past the date mentioned in the Fatwallet thread.http://www.fullofdeals.com/forums/finance/1249133/They also have a $100 bonus for transferring an account (over $500), whose Fatwallet thread is below (note you cannot get both Sharebuilder bonuses).http://www.fullofdeals.com/forums/finance/1249121/
Should I rent-out or sell my house?
Added on : Friday January 18th 2013 11:01:09 AM
Hi! I'm a super-long-time lurker but I finally need some financial advice of my own.I'm living in my first house that I bought under a year ago and now need to move to another state to accept a new job. I will be getting paid a LOT more than I do now, enough so that cash flow problems that may arise renting out the house will never be a problem.About the house:
- I pay ~ $2085 per month all-in (including PMI, tax, insurance).
- If I pay down the principle about $25k and remove PMI it will be $1875.
- I just refinanced to 3.5%.
- The rental market around here is about $1900 - $2000 for a house like this, but mine is way nicer than the typical rental (pretty lawn, new stainless appliances, etc).
- The sales market is hot and heating up, similar houses are going for ~10% more than when I got this one.
- I have a friend who will also be renting out his house in the same neighborhood (and also be out of state).The main question is whether investing another $25k and possibly being cashflow negative is better than the 6% hit I'd take by selling it. Keep in mind that the actual negative cashflow would be negligible in light of the new job.Other questions:
How will keeping it affect my ability to buy a new house in the new state?
I'm considering a home warranty & landlord insurance because I'm out of state and for protection against somebody destroying it. Are these a good idea?I appreciate any and all responses, thank you!
http://www.amazon.com/dp/B00AWLNHZW/Hugh Culver (Author)The always-on, striving for more, multitasking, 24/7 world we live in is having its toll. We are getting busier, but not happier.
While the "time management" movement created more list-makers, it failed to address the heart of why "To-Do's" tended to trump time for family, and time to think, reflect, and plan was replaced by a bulging email Inbox.
In Give Me a Break, Hugh Culver presents a model for getting to the heart of why we never seem to have enough time and how to create the time we actually need. A past workaholic, successful business owner, and consultant to large corporations, Culver knows a lot about being busy and what defines success. His solution is to first redefine the beliefs that drive the behavior and from there reset priorities, create better systems, practice better habits, and finally, invest in reflection, review, and renewal.
The five systems in Give Me a Break are based on observations with thousands of employees in over a dozen industries. For each system, Culver presents persuasive arguments for investing in a redesign of your approach to work. For example, reducing unwanted interruptions by just twenty minutes a day is the equivalent of finding two weeks of new time a year. Like committing to making deposits in a bank account, Culver explains, the benefits of creating the time you want can be exponential. Rather than the usual list of productivity habits, Culver suggests eight original approaches he has tested with participants in his live training seminars over the past twelve years. For example, Honor the Mundane is the perfect active meditation for the always-on mind while Go with the Flow matches work difficulty to the natural rhythms of our energy in the day. A favorite habit of his clients is Start a Stop-Doing List where you stop doing low-value, unwanted, or simply out-dated tasks in favor of Me-Time (Culver is big on recharging the mind and spirit with regular exercise, and down-time). If you have tried the usual litany of time management books and still find you procrastinate and never seem to have time for yourself, this could be the solution for you.Posted under hot deals since these are not always free.
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Finish BA/BS - Private(low GPA) vs. Public (high GPA) - Advice?
Added on : Tuesday January 15th 2013 01:01:05 PM
After fits and starts, I've returned to school to finish my BS/BA. I'm registered at 2 universities - Carnegie Mellon and the University of Minnesota. I flunked out of CMU due to anxiety/gf dump a couple years ago. Spent 2 years in China (H&B+easy money-$2k in savings/month no tax). I ask the FWF Diaspora for help with one of the most major decisions in my life. Be brutally honest as I know you can be. I've read several other threads on public/private. I know there is no one simple rule.Me:
Age 27, worked for another major private Univ as IT guy (lvl 2 Helpdesk -$50k/yr salary) for 1 year, taught in China for 2 years
Like Business/Finance/Entrepeneurship - first company when I was 16, investing since I was 12, currently manage my own portfolio (12% for last year)
Love China - interested in Chinese studies - the women are HOT
Don't want to have a useless liberal arts degree
Want to work in a multinational somewhere in Asia, or maybe SA - don't want to live in the States post-grad
Will continue Chinese studies - be conversational fluent upon gradCMU:
Prestige (top 25 school), alumni network, amazing career office, on-campus recruiting
low GPA - will finish slightly above 2.0
International Relations and Politics BS - marketable? I have no other options for a degree for the year time-frame. Changing would involve more time+money.
Need to get almost straight As in order to finish above 2.0 - more rigorous
Expensive! Double the cost (no aid available to me)!
Will never have this opportunity again for this tier of schoolU of Minnesota:
Will enter under the Continuing Education school for their Inter-College Program - self-designed degree
Concentration in Management, and Chinese Studies (also other options)
Lower prestige, more area-centric for networking opportunities
Assume everything transfers properly, blank slate of a GPA, so graduate with higher GPA (will work @$$ off for 4.0)
Degree certificate will just show "U of M", not Continuing Ed school. But transcript will say it.
Resident tuition rate - cheap! Ranked well among state schools.Can finish at either school in one year - same time frame. Hiring managers - advice, please? What would you do?
I know I will have to explain the gap in my resume.
What's your thoughts good private school (low GPA) vs public school (high GPA)? I know this doesn't matter so much 5+ years post-grad, as your work experience counts more. But I need to consider how to jump-start my career in the best way possible - is CMU worth it, especially considering networking/internships?Thank you!
Method of investing
Added on : Tuesday January 15th 2013 10:01:05 AM
Has anyone ever read the book by William Worth, SEVEN LIES Financial Planners Tell & The Truth About Money & Investing? Is the information in this book valid?
How to start building wealth
Added on : Wednesday January 02nd 2013 11:01:15 AM
350k income
2 dependants
fixed income salaried: 401k match starts after a year atleast
Have about 5 k left each month after maxing out 401 k and expenses and mortgage etc.
Not sure where to start investing.
I am a little wary of directly investing in a stock market.
Financial planners have been recommended but i am not sure they will be acting in my best interest and if they are the way to go.
any reccomendations for good planners for people starting out.
Investment Advice: Short term private notes for housing
Added on : Friday December 28th 2012 05:01:17 PM
FW friends,I could use your general thoughts regarding an investment opportunity a business associate presented me with. It involves investing in short term private notes (essentially a group of investors pooling money and acting like a bank) collateralized by real estate and secured by first lien positions. I would be asked to put up $25,000 with a few other investors to invest in a distressed single family home to rehab and sell. Some additional information:Amount Requested:$160,000


Loan Term:
1 year interest only


Interest Rate to
Co-lender:
13%


Origination to
Co-lender:
2%


Borrower:
xxxxx


Guarantor(s):
xxxxxCollateral: A valid 1st mortgage lien ("Mortgage") covering those premises as shown on the tax map.Loan Summary & Purpose: Borrower intends to purchase distressed single family home to rehab and sell.Investor Protection:Valid 1st mortgage lien. All three principals are personally guaranteeing the loan and will provide a pledge of interest in the LLC.What are your initial thoughts as to questions I should be asking? I would be investing with money in my non-retirement/"fun investing" account, so I'm open to higher risk if the reward is there. Thanks!
http://www.amazon.com/gp/reader/B007GB6R9YTop financial columnist Liz Weston helps you build your credit score -- and your entire financial future! Millions of people now turn to Liz Weston for plain-English, common sense advice on building wealth and financial security in fact, shes now the Internets most read financial columnist! Now, in two remarkable eBooks, Weston delivers indispensable up-to-the-minute guidance for maximizing your all important credit score, simplifying your finances, and getting what you want out of life! In Your Credit Score, Fourth Edition, Weston reveals Crucial new information about protecting (or rebuilding) the three digit number thats now being used by everyone from lenders to potential employers, insurers to cellphone carriers. Weston thoroughly covers new credit laws explains the new FAKO alternative scores offers up-to-the-minute coverage of short sales, foreclosures, and the FICO 8 Mortgage Score helps you protect yourself against new credit risks, fight lower limits and higher rates, rebound from bad credit, and choose credit solutions that help, not hurt! Next, in Easy Money, Weston offers a practical, easy-to-understand guide to taking control of all your personal finances for the rest of your life! Youll walk through all the fundamentals, from investing to retirement and college planning discover new ways to control your spending and reduce your financial services costs learn how to get the most out of your credit cards even learn what to do if youve overspent on your most recent car purchase! Packed with checklists and charts, this easy-to-use book puts you back in charge of your money, where you belong
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How to buy a property as an investment group/LLC
Added on : Monday December 17th 2012 12:01:08 PM
Hi all,Was hoping some of you had some experience in this area and could provide some guidance to a newbie. Me and my friends want to start investing in rental property together. We already have an equal partnership LLC, but we don't really understand the end to end process of buying a property as an LLC.How would we make an offer as an LLC and how do we get a mortgage as an LLC? Would the mortgage need to be in one of our names? I also assume title will be as Tenants in Common probably. Any other tips from you guys would be appreciated. This thread is only meant to discuss the process of how to buy as a group and not around whether it is a wise decision to do that or not.Thanks so much,Henry
In 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 trendsText
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Help with Money in IRA
Added on : Tuesday December 11th 2012 09:01:19 AM
Last year, In order to save taxes I have deposited 5k for me and my spouse in 2 IRA accounts. Thought of investing in gold ETFs but did not execute the plan and the money is sitting idle.
I do not have much idea on what stocks to pick and looking for decent returns with less risk.
Need help from Fatwallet Gurus!
New Homeowner. Best way to allocate funds for Home Improvements.
Added on : Thursday December 06th 2012 02:01:04 PM
First off my apologies if I don't word this properly. I'm familiar w/ the RE jargon, but I'm not used to putting it in writing.
I am a new homeowner in Southern CA. I am trying to get input from the FWF community on ideas, tips and tricks for raising property value. A good chunk of my monthly mortgage goes to PMI and MIP. I would like to invest in the property as to increase value and offset LTV enough to remove PMI, escrow, etc. Of the improvements, I would prefer, but not dismiss, taking a loan of some sort. As long as in the end, I break even.My goal objectives are:
- Remove PMI, MIP as soon as possible. Refinance FHA loan into Conventional.
AND
1) live in the home for a period of time, perhaps 2-5 yrs, after which we would SELL the home and buy another one in a more desirable neighborhood.
OR
2) save for a second home, perhaps use the equity in this first home and purchase a second. Keep the first and take a stab at being a landlord renting it out.Already, I am looking into the following improvements:
- Replacement vinyl windows. This is a priority as the current ones are old single pane, have gaps, fall out of sliding tracks, etc.
* Lowest bid from a reputable window installer (Costco referral) for Milgard windows: $3,355.00- Build a patio cover.
* Lowest bid from general contractor: $3,200.00- Redo the kitchen. Basic, nothing too fancy.
* Ballpark estimate from window installer (above): ~$10,000.00- Repave cracked crumbly driveway.
* Lowest bid from general contractor: $3,553.00- Redo baseboards throughout house. The other day, my toddler discovered mold behind a cheapy plastic baseboards. This will soon become a priority.
* Lowest bid from general contractor: $1,850.00 Current Financial Picture
- Gainful yearly employment income: $45,500.00
- Brokerage Account 1 (Approx): $19,000.00 -- ($3K as "liquid cash", i consider this amount as a savings)
- Brokerage Account 2 (Approx): $6,000.00
- 401(k) Account (Approx): $25,000.00- Property Value: $200,000
- Financed Loan FHA: $196,377 (@ 30-yr fixed, 3.25% interest rate, 4.095% APR)
- FHA downpayment @3.5%: $7,000
- Total closing costs (incl. downpayment): $10053.21
- Property Appraisal Amount: $210,000
- Neighborhood comparable sold rage: $190,000 - $260,000
My concerns are investing heavily and depleting my cash reserves. Although employment is extremely secure, cash reserves are necessary leading me to consider redoing a kitchen may wind up being my last project right before selling. I have had a difficult time getting a clear answer on which improvements can I can have the house reappraised to adjust the LTV.Any ideas, tips, tricks, constructive criticism would be greatly appreciated.Merry Christmas to all FWF members!
$150.00 Bonus after making 5 trades at Motif Investing. It works like this: 1 trade=$50, 3 trades=$75 and 5 trades=$150.00. So basically you net $100 if you do 5 trades, because each trade is 9.95. You need to keep the funds for 45 days if you are planning a dump and run. https://www.motifinvesting.com/
Motif FAQs I've seen their online ads a lot and decided to take a closer look. Its like trading theme-based ETFs which they now call "Motifs". Sounds like a cousin of Folio Investing, Covestor, Sharebuilder etc with their own twist. A wide variety of themes are covered, some of them contrasting. They have "Republican Donors" and "Democratic Donors". "Too Big to Fail" (TARP takers) and "Bailout free banks" (non-Tarp)", "All American", "China Internet", "BRICS". How about "Gay Friendly", "Senior Care", "Child's Play", "No Glass Celings (Women CEOs), "Pet Passion" (pets obviously). Even a "Seven Deadly Sins" type with holdings representing, well, the seven deadly sins. Not sure if people will agree on that though. You own the assets directly, so there isn't any of the mutual fund expense overhead like management fees, marketing fees, etc. Each Motif is based on a theme (whether you agree on the holdings within a theme is another story). BUT, you can actually tweak the holdings within a motif, like increasing/decreasing the holding percentage at no extra cost. Or you can create your own. So its 9.95 to buy, sell, tweak an existing motif with a minimum $250.00 investment amount per motif. If you already own one and you want to trade individual holdings within that motif, thats 4.95 per stock/etf. Looks really low cost. There is plenty of stock overlap between themes (AAPL appears on several themes). I'm not sure how this will work when you do a lot of trades (buy/sell) for taxable accounts. Trades are apparently done in real time, but no limit orders yet. So you could very well be burned with the order fills. They use Apex.
Merrill Edge Advisory Center Accounts Vs Self-Directed Investing
Added on : Tuesday December 04th 2012 08:01:06 AM
Anyone has info? .
The financial advisor is suggesting to open both and move mu IRA from other bank into "Merrill Edge Advisory Center Account".
I was looking to open "Self-Directed Investing" and mange it myself. Any advantage/pain of "Merrill Edge Advisory Center Accounts"?
Also if if i move IRA to "Merrill Edge Advisory Center Accounts" will always have to go through the analyst to make any changes?Thanks
$150.00 Bonus after making 5 trades at Motif Investing. It works like this: 1 trade=$50, 3 trades=$75 and 5 trades=$150.00. So basically you net $100 if you do 5 trades, because each trade is 9.95. You need to keep the funds for 45 days if you are planning a dump and run. https://www.motifinvesting.com/
Motif FAQs I've seen their online ads a lot and decided to take a closer look. Its like trading theme-based ETFs which they now call "Motifs". Sounds like a cousin of Folio Investing, Covestor, Sharebuilder etc with their own twist. A wide variety of themes are covered, some of them contrasting. They have "Republican Donors" and "Democratic Donors". "Too Big to Fail" (TARP takers) and "Bailout free banks" (non-Tarp)", "All American", "China Internet", "BRICS". How about "Gay Friendly", "Senior Care", "Child's Play", "No Glass Celings (Women CEOs), "Pet Passion" (pets obviously). Even a "Seven Deadly Sins" type with holdings representing, well, the seven deadly sins. Not sure if people will agree on that though. You own the assets directly, so there isn't any of the mutual fund expense overhead like management fees, marketing fees, etc. Each Motif is based on a theme (whether you agree on the holdings within a theme is another story). BUT, you can actually tweak the holdings within a motif, like increasing/decreasing the holding percentage at no extra cost. Or you can create your own. So its 9.95 to buy, sell, tweak an existing motif with a minimum $250.00 investment amount per motif. If you already own one and you want to trade individual holdings within that motif, thats 4.95 per stock/etf. Looks really low cost. There is plenty of stock overlap between themes (AAPL appears on several themes). I'm not sure how this will work when you do a lot of trades (buy/sell) for taxable accounts. Trades are apparently done in real time, but no limit orders yet. So you could very well be burned with the order fills. They use Apex.
Morgan Keegan Settlement Distribution Question
Added on : Friday November 09th 2012 09:00:59 PM
So, I lost a lot of money in my IRA by listening to financial "experts" and investing in a dud of a fund by Morgan Keegan. There was a class action lawsuit, and I got a check in the mail today for a couple of thousand made out to "JOHN SMITH ROLLOVER IRA". The accompanying letter claims they don't know how this will be treated tax-wise or where to deposit it. John Smith is, of course, not my real name.Any CPA's here know what to do with this check? Should I call the brokerage that has my rollover IRA and deposit it there? Is something like this taxable at this time?Thanks in advance.
Self-Indexing / Roth IRA/Traditional IRA Splitting Strategy
Added on : Friday November 09th 2012 06:00:57 PM
I've recently decided to try my hand at buy and hold investing to essentially "create my own index" of sorts - pick about 30 to 40 stocks from across all sectors, invest equal in each of them, splitting reasonably between sectors, and reinvesting dividends (which creates fractional share ownership, basically a DRIP).I've done this within my IRAs. I have both Roth and Traditional IRAs. Since I started doing this, I've gotten similar results to the SP500 which is basically what I was hoping for. Some days I've beaten the index slightly, and today I lost to it slightly.The premise of this post is to discuss a possible way to benefit from this style of investing. From this point forward, please assume it's "good"/reasonable to invest by hand picking 30 to 40 stocks and holding them for 10 to 20 years, rather than buying an SP500 index fund.Assuming you are interested in using that investment strategy, and assuming you have both Roth and Traditional IRAs, here's an idea to shift assets around in such a way as to "convert" Traditional IRA money into a Roth, for "free."The idea is that you split stocks between the Traditional and the Roth in such a way that half of the stocks from each sector are within the Roth and half with the T-IRA. Suppose you owned 4 bank stocks: BAC, C, WF and JPM. You put BAC and C in the Roth and WF and JPM in the T-IRA.Suppose the financial sector takes a hit and drops 10% and the Industrials sector gains 10%. You sell the Industrial stocks that you hold in the Roth IRA, and immediately re-buy those same shares within the T-IRA. At the same time you sell the Bank stocks within your T-IRA and rebuy them within the Roth. Essentially, you "transfer" the winners from the Roth to the T-IRA and transfer the losers from the T-IRA to the Roth.The theory is that shares of stock are fungible, so there's no IRS event that's occurring. You have the same exact shares before and after the event, you just manipulate where you are holding them.If reversion to the mean holds true, then the losing stocks are more likely to increase, and the winning stocks are more likely to decrease. Since you've shifted losers to the Roth, they have the biggest expected future gain, and the winners shifted to the T-IRA have the smallest expected future gain. Thus going forward, if you keep repeating this over a long period of time, you're basically causing the Roth to grow more than the T-IRA which is what you want because the Roth comes out all tax-free.The expense involved is only trading costs of the securities and your time. Does this seem worthwhile?
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 ownhttp://www.amazon.com/Retirement-Without-Winning-Lottery-ebook/d...
Advice regarding forming a new business partnership
Added on : Saturday October 27th 2012 01:00:47 AM
A friend of mine and I are considering forming a partnership to buy and sell stuff - think Vandelay Industries. (I am purposely being vague to avoid getting into the discussion about the stuff.)
We plan to start with approx 125k each. Most of the profits will be re-invested (at least for the first 2-3 years). The seed capital will come out of our savings and it won't hurt. We won't quit our day-job.I am looking to fellow FWer for some advice.
1) How should the partnership agreement be formed so that
a) we protect our other assets/future earnings if things go wrong. Our assets are house/stock investments.
b) We avoid problems that will destroy our friendship
c) Dissolution can be uneventful2) We don't expect to have large number of shareholders (maybe a couple more in the future). So should this be an LLC?3) What are some of the clauses we should add to the agreement
e.g. non-compete ? (very hard to enforce so we might as well skip it)
distributions ? (what if one wants to start taking profits instead of re-investing)A couple of questions about the seed capital:
1) What if our LLC takes a loan from our IRA (via self-directed IRA)? The LLC will pay predatory interest so that the taxable profits can be kept close to 0.
2) Instead of a loan, what if the LLC issues shares and we purchase them using self-directed IRA? That way, any distributions will be tax-deferred.Is this possible or will it fall under self-dealing? If yes, what if my IRA loans the money to him and his IRA loans the money to me. Any other options to minimize taxable profits?FWers always have the best inputs when it comes to questions like this. So I thank you all in advance.

Buffet's Outlook On Investing
Added on : Thursday October 25th 2012 11:01:02 PM
This week Buffet gave an interview on investing where he gave a nugget of wisdom that I hadn't thought of before or considered. He said to invest in companies that you "like" for the reason of you wanting to be part-owner of that business so during stock market declines, you wouldn't consider selling (low) and locking in a loss.He specifically is talking in reference to the Euro crisis dragging the entire stock market down. Basically he says, if you owned a small profitable restaurant, you wouldn't care about problems in Europe and wouldn't consider selling your stake in this profitable local business for problems on the other side of the world that don't impact you.I like this mindset and it will help me sleep better at night. Rather than throw all of my money into the blind index, I've picked and chosen a dozen or so good companies that I want to be part owners in. For example, there's a local fast food chain that I see has been doing incredibly well and they are publicly traded. Now when I wait in line 20 minutes to get food, I feel "good" about it because I am a part owner, rather than feeling pissed off that I'm wasting time.It would be ridiculous for me to put a large portion of my investments into a single local fast food chain, but if I wind up picking 20 to 30 stocks in different sectors, and each one is about 0.5% to 1% of my total portfolio, my risk is minimized.I get an additional benefit of knowing that I'm not forcefully having my money being put into garbage IPOs like Facebook. I don't think a single person on FWF thought FB would actually go up. It was clearly overpriced, and possibly in the short term it might have spiked 30%, but in the intermediate or long-term, it's going to drop to $0 because ALL social networking sites eventually fail (historically). It has to happen. The company is forced to do things to commercialize the business, and users will get pissed that they are not the customer, but the product, and say screw this and delete their account. This isn't a discussion against FB as much as it is the example that by picking and choosing individual stocks, I don't have to worry that any portion of my money is going into crap that I don't want it to.There's going to be trading fees involved that will raise the costs above a 0.6% expense ratio ETF index fund. However, there's no need to sell these companies or rebalance on any regular basis. You can take new money and invest it in a totally new company, or temporarily put new money into an index mutual fund until you get enough to justify the brokerage fee for a stock trade. So you wind up with 50 or 60 good companies after a few years if every $2k to $3k you buy a new stock that you like. If you invested in several smaller local businesses, or started your own several group of businesses, you wouldn't feel bad about having too many if they were all good, provided the logistical administrative overhead wasn't bad.If you take the time to read the 10Ks you will get to learn more about these companies too and feel closer to your investment. If you invested in a local restaurant, you could walk in and talk to the manager or look at the ledger. Well if you invest in a publicly traded company, read the damn 10Ks. I had no idea that my restaurant chain I wanted to invest in had tried to expand into a new state, and recently divested its interests. Now I know.As long as you hit 30 different stocks you get good diversification benefit according to financial theory. I don't know the numbers offhand but investing in 30 different companies gives you like 80% of the diversification safety that investing in 5,000 companies brings. There's diminishing returns so there's no real need to invest in all 5,000 publicly traded US companies in a total stock market fund in order to reduce risk.You get the "Benefit" of a bit of a dopamine rush when you check your stocks at the end of the day. Did you beat the market? Congrats! It's possible. Did you underperform? Oh well, not a big deal as long as you didn't underperform too much.While I do believe in efficient market hypothesis for the most part, I'm starting to believe owning a basket of diversified individual stocks can make a lot of sense, provided you perform due diligence, diversify within different sectors (i.e. don't invest in 30 different IT companies and feel diversified), and buy and HOLD and don't sell on panic. You've picked the companies because they were good. There's a time to sell and there's a time to hold. KNOW IT.
First Time Home Buyer (in Illinois) Questions
Added on : Thursday October 18th 2012 10:00:52 AM
First Time Home Buyer QuestionsHi FW Members - I have seen many questions on here get fantastic answers and was hoping for some to my problem.For the last 10 years, I have worked at a job where an on-site apartment was part of the compensation. Therefore, I have not paid rent or owned in the last decade. I am currently married. I was a FW member for most of that time so I have a decent chunk of savings. I recently got a new job in downtown Chicago while my wife works in Hickory Hills (about 20 miles apart). We have one car and would like to keep it that way. We are looking to possibly buy a house somewhere in between our two jobs that is close enough to public transportation so that one of us (likely me) will take the train to work.I have no idea where to start. I have gone over some of the basics shown on this site: http://michaelbluejay.com/house/Our finances look like this:Liquid Savings - $235,000 (making 1% interest)
Retirement - $50,000 (mostly in index funds)
Net Household Income (after taxes) - $6000 / month
Monthly expenses (groceries, restaurants, entertainment, insurance, parking, wife's clothes/grooming, gas, 2 phones) - $1500 (we don't pay rent/utilities currently)
No other real assets apart from one paid off car.
No other debts
Excellent credit for both of us. Last credit card I applied for was the Hyatt card for both of us in April which we were approved for right away.
Our current apartment is 2 bedroom/1 bathroom and is just big enough. So we cannot go any smaller than this.
I am 30 and my wife is 29. We have no kids but likely will in the future.I have until Mid January to move out of my current apartment so I have about 3 months to find a place. I can put the majority of the 235 K in savings towards the purchase since I'm not making much interest on it. I'm not too confident about my investing skills so I haven't done anything else with it. Ideally we would like to buy a house but are not completely opposed to renting if it makes more sense. We are also open to the idea of multiple units where we can live in one and rent out the others. We will probably have kids in the future and will likely stay in the state. However, we may apply for different jobs if better opportunities open up. We're not in a place where we are confident that each of us will stay in our current jobs forever.Questions:
Do I really need an agent? If all the agent really does is provide listings from the MLS and basic advice, can I just do that myself?
Is there a public MLS available for Illinois?
Can I use a public MLS type site and FSBO site to find the house and then have the inspection/appraisal/closing costs done myself?
What would be the best way to approach my problem considering my financial and commuting situation?
What books/websites/forums do you recommend so that I can educate myself about this process?
Since short sales take so long to go through and I only have 3 months, should I even be looking at these?
Should foreclosure listings be part of my search with my current lack of knowledge?
Whole Life at 32
Added on : Tuesday October 16th 2012 09:00:54 AM
So there are alot of failures on my part with this - i know. let's skip all that "you should have been more active etc"So my dad and I have a strained relationship. he is an insurance salesman, but also my dad. He advised a whole life policy from Allstate (who he worked for). I invested 1200 a year for 4 years. Cash value today is 4500.He starts working with NY Life and tells me the allstate policy is crap we need to move our policy over.I didnt read/realize the cash surrender value is half the cash value.So he sets up the new policy, cashes out the old, and now i'm out 2k on each policy for me and wifey.F that. Seriously. Again, we have a strained relationship so 4 years ago I'm like whatever as long as i can invest and its whole life (i have no idea but i heard) lets do this. he's saying now something about the poor quality of the policy and i'd lose the money by the time i'm older anyway.should i just get term and invest the rest in cocaine so i at least have fun before i'm out money or is whole life really good and is there a specific policy type i should be looking for?i guess the questions are: are there good whole life policies for youngings? if i've got a bunch of money from owning businesses and i'm constantly investing in new successful ventures, do I really need to invest in whole life too?
I realize many will think this question is ridiculous and stupid, throwing money into stocks without knowing what your doing, but hear me out. I did once have a thread similar to this, but it was all over the board, this one is more specific.I have about $10K that I'm feeling comfortable in investing in some higher risk/reward investments. But I feel like my biggest problem is just getting my feet wet. A downfall I have is that I seriously over analyze things, spend way too much time researching, always way too afraid to make a mistake. I often spend so much time trying to learn and master things through research, that by the time I get started on something, I'm often further behind than someone who took the initiative to just start and learn from their mistakes along the way. So I'm wondering if anyone has suggestions on a relatively safe way that I can take $10K and just jump right in and get started, without simply blowing my money. For example, a suggestion on a good investment firm that perhaps may offer free or low cost advice that is trustworthy, and sort of hold my hand through the beginning to get me started with a solid foundation.I do plan to get books, and do more reading etc, but I just feel like I will learn much more jumping in and actually getting some stocks or investments in my hand to watch, manipulate, and gain experience first hand.Any input/advice/hints on a good way to jump in like this, or good firm to use?
Anyone actually making money stockpicking?
Added on : Tuesday October 09th 2012 11:00:49 PM
Consider the following:1) Efficient Market Hypothesis - everyone else knows all the same information you know about publicly traded companies. Oh you just read Apple is releasing a Mini IPad soon and they are going to increase earnings? Everyone else already knows... and many probably knew before you, and the current stock price already reflects that expectation.2) You're not an expert. If you were, you wouldn't be reading FWF for stock picking advice. You'd be talking to your team of PhD Statisticians who are running proprietary software.3) You're trading with someone else who is on the opposite and inverse side of that trade. Zero sum game within an individual trade. In order for you to make money, someone else has to have lost money. For example, if you buy a stock and it goes up 10%, then the other person lost the opportunity to earn that 10%. If it goes down 10%, then the other person "made" 10% that he would have lost if he didn't sell it to you. Since you're not the expert, you're probably trading with the expert. Consider that.4) Even the experts fail to beat the market index more than 80% of the time, when you factor in expenses, which you need to do.5) The value of your time should not be ignored. If you spend a few hours a week reading through 10Ks (which you should be doing if you're stock picking, unless you're picking stocks based on which letters you like in a ticker symbol), then there's lost opportunity cost. You could have been earning $30/hour working overtime at work. So when you calculate your gains, subtract out the opportunity cost of your time and effort.6) You have to pay short-term capital gains tax at your marginal income tax rate if you're doing this with taxable money. If you're doing it within your tax-advantaged retirement accounts, then god help you if you fail and have to rely on Social Security. Assuming it's taxable money, the government is going to take a large chunk of any gains you have, but on the flip side, limits your ability to deduct your losses. Compared to a buy and hold index investing strategy where you pay long-term preferred capital gains rates, and this is an additional expense that must be considered.Thus, the question is: are you making money by stock picking, on an after-tax basis, on an after-opportunity-cost-of-your-time basis?Perhaps the answer is yes. If so, please share. Regardless of the answer to this question, on a risk-adjusted basis, you are losing money. If you stock pick, you are not getting an adequate return relative to the level of risk you are assuming.
Max out student loans?
Added on : Monday October 08th 2012 02:00:54 PM
I'll probably get red for this but I'm in the process of going back to school (and working full-time). I'm wondering if there's any advantage to maxing out the student loans while doing this. I don't qualify for any great financial aid packages so they would be borrowed at 6.8%. Would taking out the max and investing in some sort of fund with a solid dividend be a good idea? I'll be in school for 3-4 years at least part time so won't need to pay back till then. My thought is floating the cash to have in case a great investment opportunity came up, if not take the money and use it to pay back the loan when I'm done with school. Any thoughts? Flame away!
Need Advice on Investing in Franchise Business
Added on : Thursday October 04th 2012 02:00:52 AM
Hey Guys...I know many of you are business savvy. I'm looking to see what is the best route in investing into a franchise business.
OBVIOUS capital is the name of the game....Does it seem feasible to invest 70% from an SBA Loan and 30% from an Venture Capitalist?If this makes sense, who should I go with for a VC??? I was also contemplating on a carrying seller financing as well..Thoughts, ideas??Jeremy
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Three books packed with wealth-building, cost-cutting help for todays investors and markets. Dont pay someone to pick stocks! Do it better yourself, with Harry Domashs #1 guide to stock analysis! Next, Michael Kahn completely demystifies technical analysis and shows you exactly how to apply it--easily, painlessly, profitably. Then, Marvin Appel helps you use bonds and income-producing equity strategies to meet your income needs without unacceptable risk. Advice youll use, from experts you can trust!  From world-renowned leaders and experts, including Harry Domash, Michael N. Kahn, and Dr. Marvin Appel
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Three books packed with wealth-building, cost-cutting help for todays investors and markets. Dont pay someone to pick stocks! Do it better yourself, with Harry Domashs #1 guide to stock analysis! Next, Michael Kahn completely demystifies technical analysis and shows you exactly how to apply it--easily, painlessly, profitably. Then, Marvin Appel helps you use bonds and income-producing equity strategies to meet your income needs without unacceptable risk. Advice youll use, from experts you can trust!  From world-renowned leaders and experts, including Harry Domash, Michael N. Kahn, and Dr. Marvin Appel
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Self Directed IRAs?
Added on : Sunday September 23rd 2012 12:00:53 PM
Anyone here have any experience with them?I'm interested in using the self directed option to invest in individual stocks rather than the funds that most IRAs are limited to, not interested in investing in real estate or anything outside of securities.Any brokerage house handle this or will I need to go to a specialized provider?If I need to go to a specialized provider does anyone have any first hand experience with any good or bad? Anyone with low fees?Thanks!
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I am about to have a child and was looking at the best ways to invest in my and my son's future. I have been looking into lots of differnt areas and have always been real sucessful at finding items that are worth more and turning them for profit on craigslist, eBay, or Amazon. I've taken plenty of hits with investing in electronics, cell phones, tvs, and any purchasing at wholesale prices and lower, but generally am sucessful at making money in the fashion.I lately have been looking into investing into metals and am thinking it is a good idea because there are finite ammounts and technology requires more and more of them as we advance. I guess the metal that I have been looking most specifically at is silver. I feel like its something that I can start small with by looking for coins, good bargains on bars, and other deals like this. I don't have tons of money to start with, but would really like advice on how to start an investment like this without getting burned.So my questions are: Is investing in silver a good idea or should I be concentrating on other metals or is metals all together a bad idea?How do I protect myself from fraudulent sellers of silver and other metals? (I was planning on starting with coins pre 1964 because I imagine they don't fake these, and if they did the they would be facing serious felony charges)What are safe practices for purchasing and storing silver and other metals?Is this something that I should be trying to buy low and sell high or hold long term?I know there are chemical tests to test silver and gold, but are there good sites for info on that and good buy prices that stay current with the actual silver market?Lastly, how will this all work with taxes and how do I protect myself from getting in any trouble with the IRS?
Any advice would be greatly appreciated, and I look forward to your responses.
How would you invest 300k ?
Added on : Friday September 07th 2012 03:00:52 PM
Hello Fatwalleters,This is my first post. Please be kind.
I need advice on investment.When it comes to investing we are not very smart. We lost quite some money in the stock market during the recession. Since then we have been very sckeptical about investing money in MFs and stocks.Our savings have been lying the bank for long time now. Iam looking for guidelines/advice and how to invest this money.Currently, I am also reading books on investments including the FW recommendation- Bogleheads investing guide. But I also need your prespective on investment. How would you invest if you had 300K?Background:My husband and I are 35 years old. No kids yet. We plan to start a family soon.Our household income is $210K/year. We live a modest life and have about $300K in savings.We max out the 401K.We dont have any credit card debt. We have $125K and $14K on mortgage and vehicle loan. My husband is planning to attend the Fellowship program. Its a full time one year program and will cost us around $200K in tuition and living costs. He plans to take loans for the school.I will appreciate your suggestions. Thanks.
Discussion: Asset allocation strategy for High Networth / Nearing retirement
Added on : Wednesday September 05th 2012 03:00:47 PM
For those of us who are high net worth and are nearing retirementFor the the sake of this discussion, let's propose that Nearing retirement = within 10 years of retirement
High Net Worth = investment / savings portfolio less liabilities is 20 to 25 times your anticipated living expenses (reduced by pension, annuity, SS payments if any)This sensationally titled article makes the case that a few disastrous years in the market can sink your retirement plan - and therefore, you should get ultra conservative once you have met or are close to your goalIt suggests that inflation risk is less of a concern than principle riskPersonally, I am using the asset mix guide of 120 - age as the percentage to invest in equities, believing the inflation risk is a certainty, and that I still have the time to recover from asset loss (as long as I don't sell too much into the downturn)I've modified this somewhat. Through the downturn, I did continue to invest (via 401k) in equities, but I did not change equity / bond allocations. Nor did I dramatically rebalance my portfolio (Wish I did, but I was in close to terror at the huge portfolio losses I had already suffered and just couldn't ). My portfolio has since (mostly) recovered. (Showing about 1.1% CAGR since 1/1//08 ( I lost about 30% of my paper net worth by year end 2008)For those in this profile, what is your asset allocation strategy and why?
10 rules of investing
Added on : Saturday September 01st 2012 12:00:48 AM
This is from John Bogle (founder of Vanguard) and thought it was worth a share.1. Remember reversion to the mean. What's hot today isn't likely to be hot tomorrow. The stock market reverts to fundamental returns over the long run. Don't follow the herd.2. Time is your friend, impulse is your enemy. Take advantage of compound interest and don't be captivated by the siren song of the market. That only seduces you into buying after stocks have soared and selling after they plunge.3. Buy right and hold tight. Once you set your asset allocation, stick to it no matter how greedy or scared you become.4. Have realistic expectations. You are unlikely to get rich quickly. Bogle thinks a 7.5 percent annual return for stocks and a 3.5 percent annual return for bonds is reasonable in the long-run.5. Forget the needle, buy the haystack. Buy the whole market and you can eliminate stock risk, style risk, and manager risk. Your odds of finding the next Apple (AAPL) are low.6. Minimize the "croupier's" take. Beating the stock market and the casino are both zero-sum games, before costs. You get what you don't pay for.7. There's no escaping risk. I've long searched for high returns without risk; despite the many claims that such investments exist, however, I haven't found it. And a money market may be the ultimate risk because it will likely lag inflation.8. Beware of fighting the last war. What worked in the recent past is not likely to work going forward. Investments that worked well in the first market plunge of the century failed miserably in the second plunge.9. Hedgehog beats the fox. Foxes represent the financial institutions that charge far too much for their artful, complicated advice. The hedgehog, which when threatened simply curls up into an impregnable spiny ball, represents the index fund with its "price-less" concept.10. Stay the course. The secret to investing is there is no secret. When you own the entire stock market through a broad stock index fund with an appropriate allocation to an all bond-market index fund, you have the optimal investment strategy. Discipline is best summed up by staying the course.
Newb to finance. Need some investing advice
Added on : Thursday August 30th 2012 04:00:52 PM
Greetings all, it's my first time at the site and it seems to be a great community here. I'm 22, and I have some questions about my future investments.I would like to know y'all's opinions on some options I can do with my money to maximize my return. I have no investments started.Here is some background about me:
I'm finishing up my last college semester, and because of two wonderful, loving parents, I will be graduating with no debt. I'm 22 years old, and work as a salesman at a local music shop.Besides my checking, I have a fair amount of money in my savings and about an equal amount of money in a CD earning a butt-low rate.I live at home, and have no expenses at the moment, after recently paying my car off.I have no credit cards or loans, but some bad habits on spending money as I like to go out to eat a lot and get beers at bars.As experienced financial wizards, what would you suggest I do? Invest in stocks, bonds? Is there something else I can do to maximize my return? I am thinking about doing something with my savings, or when my CD expires, doing something with that. either way, I'd be looking to invest around $2000.Any ideas?Thanks!!!
Hey folks,I looked through the forums already and didn't find any resources for a couple of things. I'm doing research on how people can get started investing with as little as $100.00 and couldn't find a consolidated list for two things.The first obstacle people have is finding an investment company that will let them open an account