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“First thing Monday morning I’m going to march into my boss’s office and demand a pay cut so that I’ll be in a lower tax bracket next year.”

Of course that’s ridiculous, but isn’t it about the same as the financial community’s “Conventional Wisdom” (CW) for year-end tax planning? What about the long-term nature of investing, or the merits of that investment they felt so strongly about in July? What are their motivations, and what discipline thought up these strategies in the first place?

Clearly there are many questions that require answers, but as investors, it should be crystal clear that the object of the investment exercise is to make money… just as much as possible, quickly, legally, and within a low risk environment. The faster it comes in, the more effectively it can be compounded. Otherwise, wouldn’t the “CW” be to find as many downers as uppers so that there are no tax consequences? Wouldn’t Zero Taxable Gain Investing be the only “smart” investment strategy? A December, 2004 New York Times Money Section article actually suggested that Investment Professionals had an obligation to lose money for clients in order to reduce the tax burden.

Your Financial Professional’s perspective may produce smart tax advice but only professional investors (not accountants, attorneys, stockbrokers, financial planners, advisors in general) should be called upon for acceptable investment advice. CPAs may look smarter if you have a lower tax liability, but many of them go too far with a calendar year focus that ignores the realities of an emotional and cyclical investment environment. Take last year’s Merck for example. It has nearly doubled in Market Value since you were told to sell it last November… who’da thunk it! Why didn’t you buy more (of this and many other high quality losers) instead of selling? Fortunately, not all professionals are into losing money. In fact, in nearly thirty years of dealing with hundreds of Accountants and other advisors, not even a handful have suggested that clients should take losses on fundamentally sound securities, Equity or Fixed Income. Just think if you had taken your dot.com profits in ‘99, purchased the downtrodden profit making companies of the time, and paid the ugly taxes. The value companies didn’t crash. They’ve rallied for nearly seven years!

The key issue in considering a capital loss is the economic viability of the investment… not your tax situation! A key element of The Working Capital Model (for investment portfolio management) is to eliminate the weakest security in a portfolio every time the Market Value of the portfolio establishes a significantly new “All Time High” profit level (an ATH). My definitions may be different than those you are used to: (1) Profit = Total Market Value – Net Portfolio Investment, (2) A “weak” security is a stock that is no longer rated Investment Grade by S & P, or no longer traded on the NYSE, or no longer dividend paying, or no longer profitable. Income securities whose payout has fallen to way below average (or risen to an unsustainable level) could also be culled at an ATH. Securities that have fallen considerably in Market Value for no apparent reason (other than recent news or changing interest rate expectations) are referred to lovingly as “Investment Opportunities”. This is what you look for while trying to reinvest your profits… like last year’s MRK. By the way, switching from the strong asset class to the weaker one as a “hedging strategy” or vice versa (as a greed motivated speculation) is simply an attempt at “market timing”, not a “sophisticated” or “savvy” adjustment to your asset allocation. Asset Allocation is always a function of personal factors and never a function of asset class (Equities and Income Generators) directional speculation.

So what happens if a new portfolio ATH is achieved in February or August instead of in November or December? (Note that the financial community only preaches tax loss strategies during the last calendar quarter.) Should you unload all the weak issues at the same time, even those purchased just a few months ago? Management of your portfolio requires the disciplined application of consistent rules and guidelines, and every manager will develop his or her own style. But in a high quality, properly diversified, income generating portfolio, (1) the number of weak issues will generally be small and (2) the probability of escaping with only a minimal loss very real. Keep in mind two basic investment axioms: There is no such thing as a bad profit, regardless of the tax implications; and no matter how you may rationalize, there’s no such thing as a good loss. So, sure, if a loss should be taken due to an ATH in February, bite the bullet on the one security (only one) with the declining fundamentals (A Merrill Lynch/CNN/CFP opinion is not a fundamental.) If there are none, good job!

Profits are the holy grail of investing. Few people will admit just how infrequently they have experienced them or, conversely, just how frequently they have watched them disappear beneath the waves of a correction. (Like gamblers retuning from Vegas… no one ever seems to lose!) Similarly, most financial professionals will counsel their charges to let their profits run, particularly around year-end. Surely, speaketh the CW prophets, these profits will hang around until next year, thus deferring those terrible taxes! (Worked real well at year-end ‘99, you’ll recall.) Don’t think for a moment that anyone knows what will happen this time around the rally pole, particularly in those ridiculously priced ETFs, which are put together with the same kind of spit and duct tape used for the dot.coms. Always take your profits too soon, because you can’t get poor that way!

First thing Monday morning I’m going to: (1) Call my accountant to tell him that I’m going to help him reduce his tax burden by not paying him, (2) continue to view the Investment process in cyclical rather than calendar terms, (3) limit my tax liability by how I invest, not by taking unnecessary losses, (4) continue to make as much money as possible, as quickly and safely as possible, and (5) contact the media, my political representatives, and anyone else I can think of that will help in the fight to abolish the taxation of all investment and retirement income.

It’s fairly common to hear about people who made their fortune at the stock market. However, you also hear about people who ended up losing everything, fiddling in stocks. One hardly hears about real-estate agent investors who went bankrupt, there’s a simple reason for it and that is it doesn’t happen. Individuals who invested in real estate many years ago are leading a comfortable lifestyle. Real estate is an industry which can be guaranteed to garner pretty good returns.

Things to consider: There are a few important lessons which you need to keep in mind, number one is to get a good insurance. Ensure your asset is fully insured, including the extras like tenant damage and loss of rental income. Be warned though, don’t under insure the house, in case your house burns down, and there is a suspicion of arson, the company will conduct their own investigation and will actually charge you for the privilege! So read the fine print carefully before deciding on your agency.

Flipping: “Flipping Houses” investment is the latest fad in real estate investment, flipping homes is not exactly about passive income as many people assume it to be. It’s about fast, wholesale flips at minimal risk and cash outlay. Flipping houses is a relatively low risk proposition and will boost your income faster than anything else. However, they have come under scrutiny with many agents being jailed for flipping houses. Real estate flipping is perfectly legal, free exchange of goods and services for valuable considerations. It’s when loan flipping is mixed with mortgage fraud that it becomes illegal, the media in all its glorious ignorance has sort of latched onto the term “flipping” as the key word in describing these scams.

Controlling cash flow: The best way to determine the market value of a property is by investigating the sale prices of nearby properties. Tax laws may change so don’t try to foot your tax investments based only on current tax laws. Real estate is a varied field; try to choose the area in which you feel comfortable. You can either focus on low down payment, fixer-uppers, condominiums, smaller apartments or foreclosures. If you are renting out, gather information regarding your tenants and the most vital thing is to collect the security deposit while closing. Be wary on negative cash flow, properties which eats into your cash and which can wreck you financially and emotionally. Always scrutinize the property before investing, if needed hire professional inspectors to examine the property. Do your own research , the agent might show you the comparable rates thus making the property look valuable, search MLS listings to get a better idea.

Most importantly, a real estate investor must learn to emotionally detach himself from money. The attachment to money brings on a level of fear which restrains them from taking risks. Like any business, it is possible that you may lose money along the way, in the real estate business. An emotional attachment to money could cloud your perspective and ultimately your decision making ability.

Fifty years ago, the average worker didn’t need to worry about saving for his retirement. If he stayed with the same company for 20, 25 or 30 years, he was guaranteed a pension, in addition to a monthly social security check form the United States government, and medical benefits under Medicare. Still, those same workers generally saved about 10% of their paychecks for a rainy day, leaving many with a tidy retirement fund.

Today’s workers aren’t offered those same retirement benefits, yet, many fail to put even 5% of their annual salary into a 401K retirement plan, let alone save additional funds on top of that. Today’s worker, (no matter how much, or how little they make), must become a savvy investor in order to guarantee a comfortable future.

Whether you can put aside a month, or 0, learning a few investment basics is crucial in order to get the best future bang for your current buck. Here are a few of the most common investment opportunities available to both the high and low-end investor:

Stocks:

Stocks, or equities, are a way to invest a small portion of ownership in a specific company. The number of shares that you buy, in proportion to the number available, determines how much of the company you actually own. Known as the best opportunity for long-range growth, stocks can be a risky short-term investment.

There are three types of stocks available for purchase:

-Large-cap stocks, from well-established companies

-Small-Cap stocks, represent lesser-known companies with fast-growth potential

-Mid-Cap stocks, lie between the large-cap and small-cap risk range

Bonds:

Basically an IOU from a company or government, bonds are a relatively safe investment. Bonds are issued as a way for corporations and government agencies to raise money quickly. Bonds come with a guarantee that the purchaser will get back their original investment, with a set amount of interest at a specific date. These fixed-income investments come in several categories, or grades:

-AAA, AA or A offers relatively low risk

-BBB, are medium grade

-Bonds lower than BBB have higher risk of default

-Junk Bonds, offer the highest risk, and are often worth nothing by their maturation date

Cash Equivalents:

This is a type of short-term investment that is easily converted into cash, such as Treasury or T-Bills ( a government note offering low interest) and money market accounts, Although a safe investment, their return can be rather low.

Mutual Funds:

This popular investment is a simple way to expand your investment portfolio, by allowing investors to pool their money in a collection of stocks, bonds, and cash equivalents, in order to make the most profit at the least risk. The rationality with this type of investment is, if one fund does poorly, another will make up for the loss.

Investing money wisely takes a little research and experience, but today’s options make investing an option for just about everyone – no matter how much or how little they have to invest.

The Federal Open Market Committee (FOMC) decision on interest rates is one of the most powerful market movers in the forex market and when the markets move traders trading the news have the opportunity to make money.

The FOMC sets the discount rate or federal funds rate and because interest rates are set higher to induce foreign investment and therefore fight inflation during times of prosperity and lower to increase spending during recessions they are one of the main factors influencing the strength of the dollar.

Economic indicators play a huge role in the forex trading especially for traders who approach the market through fundamental analysis and trade the news. The Federal Open Market Committee (FOMC) interest rate decision is one of the most influential indicators for the US dollar and you can be sure after the news is released there is going to be volatility in the markets and volatility is what traders thrive on.

I have heard many ‘traders’ say never to trade the news and especially the FOMC. Although the FOMC interest decision is a news event and can fall under the category of through fundamental analysis I am a technician and I believe that charts always price everything in. However I guarantee the market does not know what exactly the Feds comments and decision will be, therefore it is not priced in yet and this will cause the markets to react when they do find out. This is confirmed by the change in price after the decision and the continuation in the days following.

I have been trading the Fed for eight years now and yes I have been burnt in the past and that is exactly how I have come to learn how to trade it properly. The most common pattern to trade the Fed is the whip-saw. But do not be fearful of it, embrace it. Here is how it happens, first there is a large spike one direction (traders come in and follow that direction)followed by a large spike in the opposite direction (those same traders now sell their first position at a loss and reverse their position – this is when I take a position in the direction of the original move)followed by an extended move back in the direction of the original spike (all the emotional trades are left sick to their stomachs) and I am left holding a very nice position setting myself up to capture a larger than average market move.

If this pattern does not play out exactly as outlined I stand on the sidelines and do not trade at all. Because the markets are moving fast in the period following the FOMC interest rate decision I am watching a very short time frame, mainly the one and five minute charts.

Many people are trying their luck at real estate investing, and although many are wildly successful many more are not. The truth is there is very little luck involved in real estate investing; the best way to be successful is to arm yourself with knowledge about the type of investing you want to do as well as knowledge about the market in which you are planning to invest. There are countless ways to get the information you need to be successful in your real estate investing endeavors including books, websites, and real estate investing seminars. All of these methods will give you information, but the best way is to learn about real estate investing from someone who has already found success and can teach you the methods they used to profit in the business through a real estate investing seminar.

A real estate investing seminar held by a successful and experienced real estate investor will give you the best chances of success. Learning form a professional is often a more effective way to educate yourself than independent study because you are benefiting from the experience, tips, and advice in a one on one fashion of a professional. One of the best ways to be successful in any field is to model yourself and your business practices off of someone who is already successful in your field of interest. Taking a real estate investing seminar will allow you to learn successful business practices that have already been tried and tested for success. There are many real estate investing seminars out there, and not all are of the same quality. Make sure the real estate investing seminar you choose is run by someone who is already successful and has the track record to prove it.

There are lots of companies that run real estate investing seminars in hopes of generating an income off of the seminar but they do not have the experience or expertise to pass on to you to make you successful. If you are looking for a real estate investing seminar it is best to ask around for recommendations from anyone you know who has an interest in real estate investing to see if they can recommend a real estate investing seminar that they benefited from.

If you don’t personally know anyone in the real estate investing business some quick research online will give you thousands of real estate investing seminar choices. You should then search based on the individual real estate investing seminar or the presenter’s name to find out what past participants have to say about the program and the success it brought to them. Never sign up for a real estate investing seminar that is mainly about selling you additional resources or subscribing to services. The real estate investing seminars that will help you the most are ones that offer real insight, information, tips, and advice about real estate investing without trying to sell your additional things. Making a profit from real estate investing is not easy but with the right knowledge from a quality real estate investing seminar the potential for great profit is there.

There are many reasons to be investing these days, and too much opportunity to not have your money working for you. However, I believe the majority of people dread having to deal with investment matters, and tend to jump into purchases and then hold their breath hoping for the best. After a long day at work and taking care of the family, it’s hard to get excited about reading up on your 401(k) options, Morningstar ratings and fund performances.

If this sounds like you, there are basically 3 choices.

1. You can have your investments professionally managed,

2. you can continue as you have in the past & keep your fingers crossed,

3. or you can find a methodology that objectifies the investing process (that’s buying and selling investments) and helps you maximize your long-term results.

To determine if you need help managing your investments(and this doesn’t necessarily mean having to pay for advice) you might want to ask yourself these questions:

Do I really have the time and interest to follow the market closely on a daily basis?

Have I done well in the past managing my own investments?

Do I really want to add another layer of work and responsibility onto an already busy schedule?

If you’re like most people, you would answer yes to some and no to others, so how do you decide? If you think you could have or should have done better with your investments, then you need some help. Don’t feel bad. Having counseled hundreds of people over the past 15 years I can honestly say that everybody needs some help, whether they are aware of it or not.

Why? This could come as a surprise, but, in fact, your financial life is a lot shorter than your physical life?

Most people who end up investing don’t really start working and making money until they are about 25 years old. Considering the average retirement age of 65, this gives you only 40 years to save and invest wisely.

If you make a poor investment decision, such as trying to stay fully invested during a bear market, you could lose big both in terms of diminished dollars and wasted time.

To drive home this important point, let me give you an actual example involving my own portfolio. For ease of illustration I have adjusted the beginning portfolio balance to ,000.

During the period from 1/25/91 to 10/13/00 my ,000 investment grew to ,840, which is a 14.67% compounded annual return.

On 10/13/00, based on a methodology I was following, I liquidated all of my domestic mutual fund positions and moved 100% to the safety of my money market account. Thanks to this move, my portfolio retained 100% of its value on that date.

As we now know with hindsight, most people held on to their investment positions and have so far lost on average 50% to 60% of the value of their portfolios. For this example let us use 50%.

If I had held onto my position, my portfolio would be down to ,920. Last time I hit that level on the way up was in 1995.

In other words, not only would I have lost 50% of my portfolio I would have lost even more by having used up 20% (8 years) of my total financial life.

How can you avoid mistakes like that in the future? Spend a little of your valuable research time looking for investment methodologies that allow you to side-step bear markets and let you move back in during bull markets. In other words, invest your time looking at methodologies instead of investments themselves. This will lay the foundation for more effective use of your money and time.

If you find a methodology that you like, and it matches your investment philosophy, stick with it for the long term. It should have the aspect of telling you when to get out of, as well as when to get into, an investment.

I suggest you follow these broad guidelines:

* Don’t be afraid to take a small loss to avoid bigger disasters.

* Stay away from commissioned sales people (because they have incentives other than your best interests), and if you use an advisor, be sure he or she is fee based.

* Above all, don’t get overwhelmed by news, rumors and predictions that are irrelevant to your strategy.

If you take this advice, I guarantee that pretty soon sleepless nights will be a thing of the past and you’ll be on your way to more confidently and successfully (that means profitably) managing your investments.

Stock Market Investing for Beginners

At the bottom of the heart, every individual desires to be more knowledgeable in the field of stock market investing. Almost every one wishes to enjoy the financial reawrds and achieve financial independence, thus good time all along. Many people feel stupid and reluctant to ask questions about investing education and pretend as if they are not interested.

Stock Investing is not only addictive when one has the basics clear but also financially rewarding and fun. Unfortunately, a lot of people are afraid of investing thus miss the action in a field which could be both very lucrative and enjoyable. As a matter of fact, God didnot intend humans to fly but thay still do and it is the safest means of transportation around the world. Thus, acts with appropriate knowledge no longer remain unsafe.

Knowledge of investing is something that can be passed on to the other family members especially children. But in order to pass on this wealth of knowledge and share the joys of stock market investing , knowledge of stock basics is must.

Since the Dow Jones Industrial Average (DJIA), also known as “The Dow” is the barometer for the broader market, you can learn all about investing by following the news and price movements of these 30 stocks (though there are thousands of other stocks). A unique way to do this is to make virtual portfolio and following them.

Look for Growth Companies

Be on the prowl for growth industries ( look for stocks that are likely to appreciate over time ) and invest for the long term. Research the company as well as its rivals thoroughly. Also research the sector to which the selected company belongs e.g. When interest rates are going up, it does not make sense to invest in real Estate companies as less and less people would be interested in investing in houses due to high interest rates. This will give you a better idea if your stock is likely to rise or fall in the future.

It is always good to buy a stock a price which would become multibagger with its futuristic growth. The better you research, the easier it will be to find such stocks.

Is Stock Investing a Gamble?

You are not here to gamble in a Casino. Thus, the stock market should not be looked at as a game of dice. Investments are serious and informed decisions about where you are putting your money. You are like a fighter pilot, who is flying an unstable and most dangerous machine every day but safely due to his knowledge and informed decisions.

Stock Market Investing : A Hobby

Understand investing would give you the desired knowledge (which can be passed on to generations) wealth and lifelong source of pleasure. Every season is a Stock market investing season. Thus today you make a commitment and become an outstanding player in the game of Stock Investing and a player who is always standing outside the field. Act Today! Make a commitment to learn about the stock market investing and get started today!

http://www.stockinvestingforbeginnersonline.com

It’s fairly common to hear about people who made their fortune at the stock market. However, you also hear about people who ended up losing everything, fiddling in stocks. One hardly hears about real-estate agent investors who went bankrupt, there’s a simple reason for it and that is it doesn’t happen. Individuals who invested in real estate many years ago are leading a comfortable lifestyle. Real estate is an industry which can be guaranteed to garner pretty good returns.

Things to consider: There are a few important lessons which you need to keep in mind, number one is to get a good insurance. Ensure your asset is fully insured, including the extras like tenant damage and loss of rental income. Be warned though, don’t under insure the house, in case your house burns down, and there is a suspicion of arson, the company will conduct their own investigation and will actually charge you for the privilege! So read the fine print carefully before deciding on your agency.

Flipping: “Flipping Houses” investment is the latest fad in real estate investment, flipping homes is not exactly about passive income as many people assume it to be. It’s about fast, wholesale flips at minimal risk and cash outlay. Flipping houses is a relatively low risk proposition and will boost your income faster than anything else. However, they have come under scrutiny with many agents being jailed for flipping houses. Real estate flipping is perfectly legal, free exchange of goods and services for valuable considerations. It’s when loan flipping is mixed with mortgage fraud that it becomes illegal, the media in all its glorious ignorance has sort of latched onto the term “flipping” as the key word in describing these scams.

Controlling cash flow: The best way to determine the market value of a property is by investigating the sale prices of nearby properties. Tax laws may change so don’t try to foot your tax investments based only on current tax laws. Real estate is a varied field; try to choose the area in which you feel comfortable. You can either focus on low down payment, fixer-uppers, condominiums, smaller apartments or foreclosures. If you are renting out, gather information regarding your tenants and the most vital thing is to collect the security deposit while closing. Be wary on negative cash flow, properties which eats into your cash and which can wreck you financially and emotionally. Always scrutinize the property before investing, if needed hire professional inspectors to examine the property. Do your own research , the agent might show you the comparable rates thus making the property look valuable, search MLS listings to get a better idea.

Most importantly, a real estate investor must learn to emotionally detach himself from money. The attachment to money brings on a level of fear which restrains them from taking risks. Like any business, it is possible that you may lose money along the way, in the real estate business. An emotional attachment to money could cloud your perspective and ultimately your decision making ability.