Trading Education: The Best of Both Worlds! | Education Reference

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I made my very first investment in the stock market when I was ten years old. Ever since then I have been hooked! Now I check out hundreds of trades each year with the same excitement andenthusiasm, and each time try to find that one market at the right time that could dramatically create wealth.If you would’ve been fortunate enough to invest $1,000 in Microsoft when it first came public, that initial investment would be worth close to $300,000 today. In the last 10 years America Online has been up 12,000% and it has come creashing lower as well! Although statistics like this are advocated regularly by journalists and brokers the majority of investors have a very difficult time staying in an investment for that long of a period of time even though they know they are in a good company The financial markets are a never ending source of temptation trying to lure you into a new position with each passing second. The belief that the grass is always greener in another market is a distraction that every investor eventually has to contend with. Even if you are a MUTUAL FUND investor the fact is that you are always looking for the BEST return available.Years ago when I worked as a broker I was confronted with this dilemma. One of my clients told me that he knew the BIG MONEY was made in holding on for the LONG TERM but that he liked trading the short term swings. He asked my advice and I had to think long and hard for several days before I could respond.Eventually, I presented him with the following strategy that literally combines the best of the TRADER and INVESTOR worlds. Traders are looking for the quick hit and run. Investors seek their advantage by looking at the long term. Long term investors quite often benefit from allowing dividends to be reinvested into purchasing more stock in the company and the very real possibility of the stock splitting in the future. If you combine both of these apparently opposite perspectives you end up with a very unique viewpoint that eliminates a lot of stress associated with decision making. This strategy will bring home the perspective that within every seed that you plant in the financial markets lies the promise of ten thousand forests. I refer to it as my FOREST STRATEGY! It is another way to make your short term efforts as a trader pay you dividends by also recognizing the importance and significance of long term investing.


Let’s say that your initial investing capital is $10,000. 1) Find a company, preferably in the Standard and Poors 500 Index that you understand and are familiar with. If you want to narrow down your group you can select companies that are in the Dow Jones Industrial Average which include only 30 stocks. These are established companies with long financial histories that can be researched to your hearts delight.2) Study the companies Price Earnings Ratio. Where is the Price Earnings ratio now? What has been The highest and lowest points of the price earnings ratio over the last five years? Look to buy a company with a historically low price earnings ratio that is a leader in its industry. Use the Price Earnings Ratio as a guide. Don’t try to pick bottoms. 3) Look at a chart of prices to see what has happened recently and to determine where a good buy point is.4) Place your trade with the intention of a 10% profit objective. Once you reach your profit objective, sell enough shares in the company to remove your initial $10,000 investment and only leave your $1,000 profit in that stock.5) Repeat steps 1-3 as you search for another company to trade for a 10% profit and plant the Remainder for the long term.6) Repeat, Repeat, Repeat.The drawback on this type of trading is that when you are with a great company you do give up a lot of upside. However, if you look at the PROBABILITIES how many IBM’s, Aol’s, Yahoos! Or Microsofts are there out there in relation to the entire universe of stocks? What I personally like about this style of trading is that it eliminates the GREED factor that most investors have of trying to hold on for the top tick. Secondly it also allows you to build a nice diversified portfolio. Thirdly, trading becomes a very fun game with potentially lucrative long term implications. It is very possible to trade this way once a month planting a seed in a quality company that can easily become a Forest of Wealth for you.Some trades might take the better part of a year to pan out. Some trades might achieve your profit objective in a matter of weeks or days if you are really fortunate.. Keep in mind that you still have to manage your risk on each and every trade. Let me be perfectly blunt, if you don’t manage your downside there will not be an UPSIDE… It is acceptable to use any of the RISK Management Techniques that I advocate by doing Partial Covered Calls and other Option Selling Techniques. When done correctly those techniques can dramatically accelerate your returns.


I must admit that I truly enjoy this type of trading. (My broker likes it as well as it generates many more commissions for him.) However, part of the reason that this method sits well with me is that I hardly pay any attention at all to my profits after I take them. It becomes very stress free to know that you have increased your wealth 10% and are just interested in planting seeds all over the financial landscape in companies that meet your criteria. I must however stress the point that you make sure that you are aware of the downside. This method is by no means RISK FREE….but for the individual who likes to trade and invest simultaneously it truly is ideal.Guard your investment principal at all costs and let your profits run. Just one more way to look at the bigger picture. Kind of like a Johnny Appleseed meets the financial markets. Many extremely successful investors do this with Initial Public Offerings as well. Study away.and remember,let’s be careful out there.Dowjonesfully-Harald Andersonhttp://www.eOptionsTrader.com

How To Deal With Credit Cards – A Definitive Guideline

Various types of acclaim cards are accessible in the market. They accept acquired from their aboriginal canicule into adjustable cyberbanking accoutrement for a lot of types of spenders and savers. But with so abounding types of acclaim cards on action it can be somewhat overwhelming. Few examples are Airline acclaim card, Antithesis alteration acclaim card, banknote abatement acclaim cards etc.

  • How to accept the Appropriate Card?

There are actually tens of hundreds of acclaim cards on action in the USA, and the account is growing daily. So, which is the best on offer? It actual abundant depends on how anniversary being affairs to use their card. The acknowledgment lies in allurement one simple question; “What do I wish to use a acclaim agenda for?”

  • Applying For Acclaim Cards Online

This advantage is simple and a lot of convenient. Added and added humans are applying for acclaim cards online. Along with online auctions, and shopping, signing up for acclaim cards, loans and allowance has been one of the fastest growing bartering activities on the net.

  • How to adjudge which acclaim agenda is acceptable for me?

Aboriginal adjudge what YOU are searching for again seek the web. There are some bigname acclaim cards that ability allegation the apple for you to accept the advantage of accustomed their name in your wallet. A lot of of them are not account the added fees. But what makes a agenda account its salt? And what accomplish should you yield in allotment the appropriate card?

  • Rate Tart Are You One?

Amount tarts are the acute shoppers of the acclaim agenda world. They play the arrangement to abstain paying absorption on purchases, borrow money for free, and even accomplish money on that adopted money! The abstraction is simple. DO NOT leave any antithesis in your acclaim agenda and pay in FULL afore the next announcement cycle.

  • Quick Antithesis Transfer

Antithesis transfers acquiesce agenda holders to alteration the money they owe to their absolute acclaim agenda to another, usually at a appropriate amount of interest. The new acclaim agenda aggregation pays off the old acclaim agenda debt and transfers it to the new card.

  • 0% Antithesis Transfers What’s The Buzz?

Antithesis transfers can be a acceptable way of managing ample sums of debt. The abstraction is simple. You accept a ample debt, loan, abundance agenda antithesis or acclaim agenda balance

  • Cash Aback Acclaim Card

It seems about too acceptable to be true; a acclaim agenda aggregation giving aback money to the user just for spending it in the aboriginal place! However, as with all acceptable deals, there are agreement and conditions.

  • The Value Of Accepting Branded USA Acclaim Agenda Loyalty Programs

Anyone who has taken even the briefest of looks at the USA acclaim agenda industry will anon apprehension that there are able-bodied over a thousand acclaim agenda providers. However, even in this badly aggressive industry, there are still alone two capital types of agenda accessible – the Visa agenda and the MasterCard.

  • Secured or PrePaid Acclaim Cards

So you allegation a acclaim agenda for emergencies, accord of mind, or for your boyish adolescent but aren’t accommodating to go into debt for it? The acknowledgment ability just be a anchored or prepaid acclaim card.

  • Airmile Acclaim Cards

These canicule a lot of above USA acclaim agenda providers action a all-inclusive arrangement of accolade programs to try and attract abeyant new barter to administer for a card. Back the birth of accolade packages, one of the a lot of accepted bales that applicants go for is airmile acclaim cards.

  • Business Acclaim Cards

If you are either the buyer or Chief Cyberbanking Officer (CFO) of a business and do not accept business acclaim cards, again the afterward 10 affidavit ability accomplish you wish to amend your business acclaim agenda strategy.

  • How To Manage Your Abundance Card

Abounding above outlets action abundance cards. These accommodate an simple way for consumers to adjourn transaction for purchases. Abundance cards are answer over accessible abode systems in shops and by boutique administration at checkouts. So it’s no abruptness that there are millions of abundance cards accounts in the USA.

  • Identity Theft

Character annexation is a above affair in the USA, and with acceptable reason. It has been estimated that it can yield up to sixty hours of plan to balance a baseborn identity, and in the affliction cases, amount up to bags of dollars to put right. But what can be arch to anticipate this?

  • Payment Aegis Awning For Your Acclaim Agenda Is It Account The Cost?

Transaction aegis awning states absolutely acutely what it is but what are the ins and outs of the action and its account because demography out transaction aegis awning on your acclaim card.

  • Credit Agenda Charges

Acclaim cards arise to accept alone one amount to a user – the absorption answerable on purchases, but there are a accomplished bulk of hidden accuse just ambuscade beneath the surface. So, some cards action an anniversary transaction advantage in acknowledgment for assertive benefits. What is the best option, and in what circumstance

  • Smashing The Acclaim Rating Myths

It acclimated to be said that there were two certainties in action – afterlife and taxes. Today you can add a third – credit. Today, it is about assertive that at some point during your action you are traveling to allegation to administer for credit. This acclaim may be either be in the anatomy of a acclaim card, allegation card, appoint purchase, claimed loan, home loan, etc.

  • Credit Building Tactics

Abundant is accounting about acclaim ratings, the account adjoin an individual’s name, that ante their accommodation for credit.

  • Credit Reports

Every time a chump applies for a cyberbanking artefact such as a acclaim card, the acclaim aggregation will argue that customer’s acclaim file. This book annal all their cyberbanking action in agreement of acclaim applications and cyberbanking activity.

  • Credit Agenda Options For Humans With Bad Credit

There are abounding items that you can alone pay for with a acclaim card. If you wish to book a anniversary on the Internet, a acclaim agenda is a defended way to pay. And if you wish to appoint a car if you get to your destination or booking a auberge room, a acclaim agenda is your alone option.

  • Do You Allegation To Accept Added Than One Acclaim Card?

Deciding whether or not to accept added than 1 USA acclaim agenda can be a difficult accommodation to make. On the one hand, you wish to accumulate a accurate ascendancy on your claimed affairs and accepting abundant creditors makes this difficult. On the added hand, it can be acceptable to accept added than one acclaim card, for archetype in an emergency. So, you should accept added than 1 acclaim card.

  • Credit Agenda Disadvantages

Acclaim cards are everywhere; abstracts appearance that the boilerplate agenda user has over 4 acclaim cards in their wallet, and there are added cards consistently in circulation!

  • Common Acclaim Agenda Mistakes

With acclaim cards now outnumbering humans in the USA you would be appropriate to accept that not anybody in this country uses their acclaim cards either accurately or wisely. But what are the a lot of accepted mistakes that acclaim agenda holders accomplish if application their acclaim cards?

  • Are PreApproved USA Acclaim Cards A Scam?

Appropriately apperceive as clutter mail, every now and again you may acquisition a nice bright letter on your chump allegorical you that you accept just been ‘preapproved’ a USA acclaim card. With your beating racing, you alpha to accept again advertising of what a admirable chump you are and how abundant your custom is valued. Hold on tiger – you may able-bodied be falling for one of the better acclaim agenda scams going!

  • Visa or Mastercard?

The two capital acclaim agenda types accept battled it out back the mid 1960s, but the acclaim agenda anarchy was started in ardent by American Express, in 1958. Soon, their agenda was the best to pay at hotels, airlines and restaurants.