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Investment Options

Best IRA, Mutual Funds, Stocks, Currency, Forex, Gold, Silver & other Commodity Trading Investment Strategies for 2014


Category: investment options

As a special bonus to our readers, Get up to $150 when you start trading at Motif Investing. Learn more.

I wish there was something like this in the days of 2007-2008 when it was obvious the oil price will go up. I remember making good money on the bets that time when oil price went above $150. But boy, it took us tremendous amount of time and research figuring out how to invest in Oil. We could come up with a few companies which would benefit from high oil prices and then invested in a handful, still made a decent amount of money. We invested in 6 different stocks and paid over $100 in commission. Oil is an example, there are many common sense themes which would make sense investing in from time to time. Now, investing in Oil or any big ideas is made simple with Motif Investing.

This new start-up allows people to buy "motifs" which is a collection of up to 30 stocks that fit with an investment theme, like Oil, cloud computing, rental market or companies that benefit during an economic downturn. Motif does the hard work of picking and weighting the stocks that go into each basket of assets. Each of more than 50 motifs costs just $ 9.95, nearly the same price as conducting a single stock transaction at major online brokers. Not only this, user can fully customize the stocks and weighting of any motif to suit their preference and need. There are easy to use charts and graphs that let users compare how a particular Motif has performed over the time against any benchmarks.

This is a new era to the age of investing. Investing ideas come from your daily lives and what you see, this takes it to the next level. Motif gives the platform and tool to individual investor, the way many successful wealth managers operate. It also allows you to connect with Facebook and you can decide what to share with whom to share etc. and brings the social aspect in complimentary way. Motif Investing also has the backing of many former big shots of silicon valley and good line of investors.

Let's look at some of the Motifs they currently have. Excited about the idea of innovation in how we pay in the age of smart phone literally running our lives, there is Digital Dollars Motif. Worried that the Euro crisis will sink your portfolio? Check out 20 companies with all sales coming from within the US. You believe people would pay more attention to what and how they eat, there is Healthy and Tasty motif. Oh well, on the other side, there is a Junk Foods motif as well. There are political motifs as well for Democratic and Republican Donors. If you think women run business much better, you can invest in Women CEOs and buy 20 stocks of companies led by women. . You can also invest in popular Dogs of the Dow strategy with Motif. If you want steady income, Check out the new fixed-income motifs: customizable portfolios of up to 30 bond ETFs. Last but not the least, you can submit your ideas about Motif to them as well.

We believe that this is just the beginning of a new chapter in investment world with Motif Investing. This innovative platform is a boon to individual investor. They say that an Idea can change your life, this new way of investing in ideas would definitely change investing for good.



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Check out Latest Trade Alerts at the bottom. Current week's trade alerts are only available to members.

Take the 2% per week challenge, Trade with us. We only have very few openings for new subscribers and currently offering two weeks of free trial and then special price of $99.95 per month. Sign up for our Trade Alerts and make 2% or more Every Week! Now offering Auto Trading with EOption.

If you are looking for a get rich quick scheme or some service promising 80-100% per trade, please go look somewhere else. Our trades are very conservative with weekly earnings of 1%-5%. We have been trading using this strategy successfully for over 4 years. We started the Beta Testing with a small group of people in October 2011.

With years of experience and extensive research we have developed a system for making consistent profit every week giving us moderate return with low risk. Safety is our No. 1 priority, we don't make any trades if we don't feel they are in safe zone. Our proprietary in-house system provides clear indication of winning trades every week. Regardless of Bull or Bear market, we consistently make 2% and sometimes more every week using our strategy on Options. If you are not familiar with Options, please read Options 101 - How Do Options Work? .

More than 70% of all Options expire worthless, that is the fact. We use this for our benefit to trade Credit Spreads. This involves selling and buying options at different strike price (difference in strike price is called spread) for a net credit. We place such trades when our system indicates very high probability of them expiring worthless allowing us to keep the premium. Read about Bull Put Spread and Bear Call Spread if you are not familiar with Credit Spread Options Strategies.

We have made our Trade Alert Service available to a few new subscribers. We will need to talk to you after you sign-up to understand our compatibility on trading together before we can approve you. This is a limited time opportunity for you to sign up and receive free two weeks trial of our trade alert newsletter. The idea is for you to make enough money during the trial period to be able to pay the monthly trade alerts fee for several months. We are going to accept only a few members. This is serious stuff, we have members making money consistently every week and a few of them are using the strategy with their IRA account as well. We have registered our Newsletter with EOption and are now offering Auto Trading to our members. This will be a great opportunity for folks which can't be in front of computer during trading hours to place the trades. Auto Trading service is a boon for the folks who are constantly travelling or  folks who work in the offices where Trading is not allowed using work computers.

Since October 2011, Our trades only lost money twice (-5.5% and -18.5%). That puts our success rate at 98%. There were two instances during this period where broker closed our position on Friday with $0.01 cutting down our profit by 1%. Once we closed the position  ourselves on Friday for $0.01 cutting down our profit by 1%. Making small but consistent profit is our goal.

In order for you to be eligible to receive and get the best out of our trading alerts, you need to have the following:

  1. Have the basic knowledge of trading Options, understand how they work and the risk associated with that.
  2. Be prepared to trade with $10,000 (at least $5,000). Our current members group has average investment capital of just above $21,000.
  3. Before you place trades using our trade alerts, you will need to have brokerage account with one of the low cost options trading brokers. Since our trades are very conservative with high number of Options contracts, low brokerage fees are necessary for you to generate maximum profit. We recommend EOption. You can take advantage of their wire transfer fee reimbursement offer, for transfer of $10,000 or more they will refund up to $30 in wire transfer fee charged by your bank. We offer Auto Trading Service to our members through EOption. The other option for brokerage account is OptionsHouse. You can take advantage of one of the following offers they have when you open the account. a) Get 100 Commission-Free Trades at! (Requires minimum $5,000 opening balance, our favorite). b) Get a free Kindle Fire from OptionsHouse. (Requires minimum $10,000 opening balance). c) Get a Free Dell Monitor When You Open and Fund an Account at OptionsHouse. (Requires minimum $10,000 opening balance). EOption is cheaper, you don't pay for the bells and whistles you don't use and need. Setting up the ACH with EOption is little tedious and lengthy process (mailing a paper form), that's why some members prefer OptionsHouse. If you are outside USA, EOption is the only option available to you. We have accounts with both OptionsHouse and EOption.

Sign up for Trade Alerts Now!


Track Record - Trade Alert for Past Weeks

Week Ending 6/14/2013 - 1%

Placed on 6/10/2013
Bull Put Spread SPY Exp: 6/14/2013
Buy Put $158, Sell Put $159, Limit Order with Credit $0.02 (2%)

Week Ending 6/7/2013 - 1%

Placed on 6/6/2013
Bull Put Spread SPY Exp: 6/7/2013
Buy Put $156, Sell Put $157, Limit Order with Credit $0.01 (1%)

Week Ending 5/31/2013 - 2%

Placed on 5/28/2013
Bull Put Spread SPY Exp: 5/31/2013
Buy Put $160, Sell Put $161, Limit Order with Credit $0.02 (2%)

Week Ending 5/24/2013 - 2%

Placed on 5/20/2013
Bull Put Spread SPY Exp: 5/24/2013
Buy Put $161, Sell Put $162, Limit Order with Credit $0.02 (2%)

Week Ending 5/18/2013 - 2%

Placed on 5/15/2013
Bull Put Spread SPY Exp: 5/18/2013
Buy Put $160, Sell Put $161, Limit Order with Credit $0.02 (2%)

Week Ending 5/10/2013 - 2%

Placed on 5/9/2013
Bull Put Spread SPY Exp: 5/10/2013
Buy Put $159.5, Sell Put $160.5, Limit Order with Credit $0.02 (2%)

Week Ending 5/3/2013 - 2%

Placed on 4/29/2013
Bull Put Spread SPY Exp: 5/3/2013
Buy Put $153, Sell Put $154, Limit Order with Credit $0.02 (2%)

Week Ending 4/26/2013 - 1%

Placed on 4/25/2013
Bull Put Spread SPY Exp: 4/26/2013
Buy Put $155.5, Sell Put $156.5, Limit Order with Credit $0.01 (1%)

Week Ending 4/20/2013 - 2%

Placed on 4/15/2013
Bull Put Spread SPY Exp: 4/20/2013
Buy Put $150, Sell Put $151, Limit Order with Credit $0.02 (2%)

Week Ending 4/12/2013 - 2%

Placed on 4/10/2013
Bear Call Spread SPY Exp: 4/12/2013
Buy Call $162, Sell Call $161, Limit Order with Credit $0.02 (2%)

Week Ending 4/5/2013 - 2%

Placed on 4/1/2013
Bull Put Spread SPY Exp: 4/5/2013
Buy Put $150, Sell Put $151, Limit Order with Credit $0.02 (2%)

Week Ending 3/28/2013 - 2%

Placed on 3/25/2013
Bull Put Spread SPY Exp: 3/28/2013
Buy Put $148, Sell Put $149, Limit Order with Credit $0.02 (2%)

Week Ending 3/22/2013 - 2%

Placed on 3/20/2013
Bull Put Spread SPY Exp: 3/22/2013
Buy Put $151, Sell Put $152, Limit Order with Credit $0.02 (2%)

Week Ending 3/16/2013 - 2%

Placed on 3/12/2013
Bull Put Spread SPY Exp: 3/16/2013
Buy Put $150.5, Sell Put $151.5, Limit Order with Credit $0.02 (2%)

Week Ending 3/8/2013 - 1.07%

Placed on 3/6/2013
Bull Put Spread SPY Exp: 3/8/2013
Buy Put $150.5, Sell Put $151.5, Limit Order with Credit $0.01 (1.07%)

Week Ending 2/22/2013 - (-18.5%)

Placed on 2/20/2013
Bull Put Spread SPY Exp: 2/22/2013
Buy Put $148.5, Sell Put $149.5, Limit Order with Credit $0.02 (2%) Closed the Trade on 2/21 with 18.5% Loss

Week Ending 2/16/2013 - 2%

Placed on 2/13/2013
Bull Put Spread SPY Exp: 2/16/2013
Buy Put $148.5, Sell Put $149.5, Limit Order with Credit $0.02 (2%)

Week Ending 2/8/2013 - 2%

Placed on 2/4/2013
Bull Put Spread SPY Exp: 2/8/2013
Sell Put $146, Buy Put $145, Limit Order with Credit $0.02 (2%)

Week Ending 2/1/2013 - 2%

Placed on 1/28/2013
Bull Put Spread SPY Exp: 2/1/2013
Sell Put $146, Buy Put $145, Limit Order with Credit $0.02 (2%)

Placed on 1/29/2013 (For new subscribers joining on 1/29)
Bull Put Spread SPY Exp: 2/1/2013
Sell Put $147, Buy Put $146, Limit Order with Credit $0.03 (3%)

Week Ending 1/25/2013 - 2%

Placed on 1/22/2013
Bull Put Spread SPY Exp: 1/25/2013
Sell Put $145, Buy Put $144, Limit Order with Credit $0.02 (2%)

Week Ending 1/19/2013 - 2%

Placed on 1/15/2013
Bull Put Spread SPY Exp: 1/19/2013
Sell Put $143, Buy Put $142, Limit Order with Credit $0.02 (2%)

Week Ending 1/11/2013 - 2%

Placed on 1/8/2013
Bull Put Spread SPY Exp: 1/11/2013
Sell Put $142, Buy Put $141, Limit Order with Credit $0.02 (2%)

Week Ending 1/4/2013 - 2%

Placed on 1/2/2013
Bull Put Spread SPY Exp: 1/4/2013
Sell Put $142, Buy Put $141, Limit Order with Credit $0.02 (2%)

Week Ending 12/28/2012 - 2%

Placed on 12/24/2012
Bull Put Spread SPY Exp: 12/28/2012
Sell Put $137, Buy Put $136, Limit Order with Credit $0.02 (2%)

Week Ending 12/22/2012 - 2%

Placed on 12/18/2012
Bull Put Spread SPY Exp: 12/22/2012
Sell Put $138, Buy Put $137, Limit Order with Credit $0.02 (2%)

Week Ending 12/14/2012 - 2%

Placed on 12/11/2012
Bull Put Spread SPY Exp: 12/14/2012
Sell Put $138.5, Buy Put $137.5, Limit Order with Credit $0.02 (2%)

Week Ending 12/07/2012 - 3%

Placed on 12/04/2012
Bear Call Spread SPY Exp: 12/07/2012
Sell Call $144, Buy Call $145, Limit Order with Credit $0.03 (3%)

Week Ending 11/30/2012 - 2.5%

Placed on 11/26/2012

Bull Put Spread SPY Exp: 11/30/2012
Sell Put $136, Buy Put $135, Limit Order with Credit $0.02 (2%)

Placed on 11/27/2012
Bull Put Spread SPY Exp: 11/30/2012
Sell Put $137.5, Buy Put $136.5, Limit Order with Credit $0.03 (3%)

Week Ending 11/17/2012 - 2%

Placed on 11/14/2012
Bear Call Spread SPY Exp: 11/17/2012
Sell Call $141, Buy Call $142, Limit Order with Credit $0.02 (2%)

Placed on 11/16/2012
Bull Put Spread SPY Exp: 11/17/2012
Sell Put $133, Buy Put $132, Limit Order with Credit $0.02 (2%)

Week Ending 11/9/2012 - 2%

Placed on 11/7/2012
Bull Put Spread SPY Exp: 11/9/2012
Sell Put $136, Buy Put $135, Limit Order with Credit $0.02 (2%)

Week Ending 11/2/2012 - 2%

Placed on 10/31/2012
Bull Put Spread SPY Exp: 11/2/2012
Sell Put $137.5, Buy Put $137, Limit Order with Credit $0.01 (2%)

Placed on 11/1/2012
Bull Put Spread SPY Exp: 11/2/2012
Sell Put $139.5, Buy Put $139, Limit Order with Credit $0.01 (2%)

Week Ending 10/26/2012 - Break

We were on vacation with Beta Tester group celebrating our success.

Week Ending 10/20/2012 - 2%

Placed on 10/15/2012
Bull Put Spread SPY Exp: 10/20/2012
Sell Put $138, Buy Put $137, Limit Order with Credit $0.02 (2%)

Week Ending 10/12/2012 - 5%

Placed on 10/08/2012
Bear Call Spread SPY Exp: 10/12/2012
Sell Call $148, Buy Call $149, Limit Order with Credit $0.05 (5%)

Week Ending 10/05/2012 - 3%

Placed on 10/02/2012
Bear Call Spread SPY Exp: 10/05/2012
Sell Call $147, Buy Call $147.5, Limit Order with Credit $0.02 (4%)

Placed on 10/01/2012
Bull Put Spread SPY Exp: 10/05/2012
Sell Put $139.5, Buy Put $139, Limit Order with Credit $0.01 (2%)

Week Ending 09/28/2012 - 3%

Placed on 09/24/2012
Bear Call Spread SPY Exp: 09/28/2012
Sell Call $148, Buy Call $148.5, Limit Order with Credit $0.02 (4%)

Place on 09/25/2012
Bull Put Spread SPY Exp: 09/28/2012
Sell Put $142, Buy Put $141.5, Limit Order with Credit $0.01 (2%)

Week Ending 09/22/2012 - 5%

Placed on 09/17/2012
Bull Put Spread SPY Exp: 09/22/2012
Sell Put $142.5, Buy Put $142, Limit Order with Credit $0.02 (4%)
50% Filled

Placed on 09/18/2012
For Folks who didn't get the trade filled at all on 09/17/2012
Bull Put Spread SPY Exp: 09/22/2012
Sell Put $143, Buy Put $142.5, Limit Order with Credit $0.02 (4%)

For Folks who got the trade filled partially on 09/18/2012
Bull Put Spread SPY Exp: 09/22/2012
Sell Put $143.5, Buy Put $143, Limit Order with Credit $0.03 (6%)
50% Filled

Week Ending 09/14/2012 - 3%

Placed on 09/10/2012
Bull Put Spread SPY Exp: 09/14/2012
Sell Put $139, Buy Put $138, Limit Order with Credit $0.03 (3%)
100% Filled

Week Ending 09/07/2012 - 3%

Placed on 09/04/2012
Bull Put Spread SPY Exp: 09/07/2012
Sell Put $136, Buy Put $135, Limit Order with Credit $0.03 (3%)
100% Filled

Week Ending 08/31/2012 - 3%

Placed on 08/28/2012
Bull Put Spread SPY Exp: 08/31/2012
Sell Put $138, Buy Put $137, Limit Order with Credit $0.03 (3%)
100% Filled

Week Ending 08/24/2012 - 2%

Placed on 08/23/2012
Bull Put Spread SPY Exp: 08/24/2012
Sell Put $139, Buy Put $138, Limit Order with Credit $0.02 (2%)
100% Filled

Week Ending 08/18/2012 - 5%
Placed on 08/13/2012
Bear Call Spread SPY Exp: 08/18/2012
Sell Call $143, Buy Call $144, Limit Order with Credit $0.05 (5%)
100% Filled

Week Ending 08/10/2012 - 2%
Placed on 08/10/2012
Bear Call Spread SPY Exp: 08/10/2012
Sell Call $141, Buy Call $142, Limit Order with Credit $0.02 (2%)
100% Filled

Week Ending 08/03/2012 - 4%
Placed on 08/02/2012
Bear Call Spread IWM Exp: 08/03/2012
Sell Call $79, Buy Call $80, Limit Order with Credit $0.04 (4%)
100% Filled

Week Ending 07/27/2012 - 5% Average
Placed on 07/26/2012
Bull Put Spread IWM Exp: 07/27/2012
Sell Put $76, Buy Put $75, Limit Order with Credit $0.04 (4%)
50% Filled

Placed on 07/24/2012
Bear Call Spread VXX Exp: 07/27/2012
Sell Call $16, Buy Call $17, Limit Order with Credit $0.06 (6%)
50% Filled

Week Ending 07/21/2012 - 3%
Placed on 07/17/2012
Bear Call Spread IWM Exp: 07/21/2012
Sell Call $82, Buy Call $83, Limit Order with Credit $0.03 (3%)
100% Filled

Week Ending 07/13/2012 - 3%
Placed on 07/10/2012
Bull Put Spread IWM Exp: 07/13/2012
Sell Put $77, Buy Put $76, Limit Order with Credit $0.03 (3%)
100% Filled

Week Ending 07/06/2012 - 4% Average
Placed on 07/03/2012
Bull Put Spread VXX Exp: 07/06/2012
Sell Put $13, Buy Put $12, Limit Order with Credit $0.06 (6%)
50% Filled

Placed on 07/05/2012
Bull Put Spread SPY Exp: 07/06/2012
Sell Put $134, Buy Put $133, Limit Order with Credit $0.02 (2%)
50% Filled

Week Ending 06/29/2012 - 2%
Placed on 06/26/2012
Bull Put Spread SPY Exp: 06/29/2012
Sell Put $127, Buy Put $126, Limit Order with Credit $0.02 (2%)
100% Filled

Week Ending 06/22/2012 - 2%
Placed on 06/21/2012
Bull Put Spread SPY Exp: 06/22/2012
Sell Put $131, Buy Put $130, Limit Order with Credit $0.02 (2%)
50% Filled

Placed on 06/20/2012
Bull Put Spread IWM Exp: 06/22/2012
Sell Put $75, Buy Put $74, Limit Order with Credit $0.02 (2%)
50% Filled

Week Ending 06/16/2012 - 2.5% Average
Placed on 06/14/2012
Bear Call Spread IWM Exp: 06/16/2012
Sell Call $78, Buy Call $79, Limit Order with Credit $0.03 (Net 2%)
50% Filled
Closed By Broker on 06/15/2012 with $0.01 Debit (-1%)

Placed on 06/11/2012
Bull Put Spread SPY Exp: 06/16/2012
Sell Put $125, Buy Put $124, Limit Order with Credit $0.03 (3%)
50% Filled

Week Ending 06/08/2012 - 2%
Placed on 06/07/2012
Bull Put Spread IWM Exp: 06/08/2012
Sell Put $74, Buy Put $73, Limit Order with Credit $0.02 (2%)
50% Filled

If you want to know further track record, Sign up for Free Trade Alerts now and ask us for history.

Disclaimer: Trading involves Risk. Risk of loss in financial instruments like Options, Future and Forex can be substantial and these instruments are not suitable for everyone. Members are encouraged to consider their own financial situation and all the risk factors involved before getting into trading. Past results of our trade alerts, system or any individual trader are not indicative of future returns which may be realized by our members. Please visit Characteristics & Risks of Standardized Options to understand the risk factors.

After the stressful days, weeks, months & years of Eurozone woes. The following piece of article should provide the much needed humor.

18th June, 2012

Your D. I. Y. Eurozone Bulletin 

 As this piece was written before the results of the Greek elections were known, we have prepared a multiple-choice commentary for the benefit of readers – simply choose from the following options as applicable.

Following the [shock / expected / bizarre] election of [New Democracy / Syriza / die Nationalsozialistische Deutsche Arbeiterpartei], the Eurozone was returned to a state of [normality / bowel-clenching terror / North Rhine-Westphalia] today. With the political scene now clarified, Greece was reported to be [calm / closed / on fire]. The Eurozone debt crisis was revised by ratings agency Moody’s from [neutral / severe / hysterical] to [bad / very bad / worse]. Welcoming the Greek election results, Eurozone officials were said to be [elated / confused / sheltering in a storm drain]. In defiance of crude national stereotypes, the French responded to the Greek results by way of [fine dining / lowering the retirement age / surrendering]. Ahead of the EU summit on June 28, France called for [a stability pact / common Eurobonds / croissants].

Eurozone monetary policy continues to be [stimulative / alarming / absent]. Bored financiers and journalists were said to be particularly proud of their latest coinage, [Grexit / Grexodus / Spailout], although the Greeks themselves were said to be [concerned / outraged / scuttling over the border with bin-bags full of cash]. Spanish investors, on the other hand, were [resigned / bankrupt / moving their money to Deutsche Bank, Agnes-Bernauer-Straße 69b, Munich].

Spanish bond yields surged after the country’s request for emergency aid was met with [widespread indifference / $100 billion of pretend money / German stormtroopers]. The aid request was viewed by analysts as a sign of [despair / realism / the times] and US Treasury Secretary Timothy Geithner called the bailout “a good, concrete signal and illustration” of [the end of days / an intensifying vortex of utter hopelessness / Europe’s commitment to move toward a broader banking union]. Geithner subsequently revised his comments and admitted he was [drunk / overly optimistic / insane].

As investors across the Eurozone search desperately for [the truth / safe havens / money], yields on apparently riskless assets such as German Bunds have reached [zero percent / minus two percent / the earth’s inner core]. This happens to be [pointless / silly / wrong]. Stock markets across the continent opened [briefly / down sharply / for a laugh] before they subsequently [rallied / collapsed / were shut forever]. Hedge fund managers were said to be mostly holding [cash / gold / their genitals].

Economic activity across Europe has [slowed / disappeared / gone to Asia] as the debt and banking crisis intensifies. As politicians call for heightened regulation of the banking system, bankers are requesting [bigger bonuses / an amnesty / political asylum]. On June 18-19 the Group of 20 nations will meet in [Los Cabos, Mexico / McDonalds / secret] to discuss the debt crisis. They are unlikely to [agree a plan of action / find a consensus / return].

The summit in Los Cabos will give European leaders a chance to [discuss their economic concerns with other progressive thinkers / void their bladders and bowels uncontrollably / resign]. Investors are unwilling to put their money into [Greece / Spain / France / Ireland / Portugal / Austria / Belgium / Cyprus / Estonia / Finland / Germany / Italy / Luxembourg / Malta / the Netherlands / Slovakia / Slovenia / a bank] on the basis that it might [be vulnerable to a modest decline in purchasing power / be vulnerable to unlimited credit and counterparty risk / explode].

Investors are also concerned that the Eurozone monetary authorities might hit them with [further orgies of unrestrained money-printing / capital and cross-border controls / sockfuls of wet sand]. Meanwhile, Bank of England Governor Sir Mervyn King was said to be in [denial / Barbados / tears].

Strategists pointed out that the debt crisis was not limited to the Eurozone, given that the rate of economic growth was slowing globally and that the US national debt, for example, was [over $15 trillion / high enough on its own / not connected with the Eurozone]. Investors were advised to take [Krugerrands with them in their underpants / Ben Bernanke hostage / extreme care / Vicodin / to the hills].

Courtesy: PFP Wealth Management

Whenever an IPO is issued, whilst many people tend to see it to be a great opportunity to invest, others ignore it, perhaps because they really do not know what it is all about. So, what really is an IPO? Well, IPO is an acronym for Initial Public Offering' and it refers to the initial sale of a company's stock to the public. The process of how to buy stock at IPO is quite different to the many other purchases that we usually make, and it is one of the reasons many people opt not to participate in this investment that could turn out to be quite profitable.

The first thing that you would need to do is to have a trading account. The trading account is usually required for you to purchase any kind of stock, and when it comes to the IPO, careful attention would need to be paid to the firm of brokerage that you choose to sign up with. Ensure that as you sign up for this trading account, ask lots of questions about the IPOs and how the firm would help you to be able to get the best out of your trading experience. You can , make sure you check with them about a particular upcoming IPO you are interested in. They have an excellent customer service reputation and trades are very reasonable at $4.95.

It is common for people to rush into IPOs just because everyone else is doing it, but it would be quite important to do research on individual IPOs before you invest in them. The internet is a great resource that you could turn to, as there are lots of websites available that offer information on various upcoming IPOs. This would allow you to be able to plan well, for instance, setting aside funds that you might want to use in the IPO. The information you get would also help in determining whether it would really be the right decision to invest in a given IPO.

The next thing that you would need to do is to get in touch with the 'right' people. This is with regard to connections, because when it comes to IPOs, people rarely get the number of stock that they applied for due to the great number of applicants. Brokers are known to sell the IPOs to those that they consider to be top clients, and hence, getting in touch with the underwriters, would be a good way to ensure that you do indeed get a favorable percentage of the stock. For a high profile IPO like Facebook, it is almost impossible for an average investor to get the stock at IPO.

The last thing that you would be left to do is just simply buy the stock, and this should be preferably done after following the above steps. Before you do this, there are given criteria that you would have to meet before you are allowed to buy the stock. This might at times vary from one brokerage firm to another, so ensure that you do get to be eligible to buy stock well in advance of the deadline for the purchase of the shares. Once you are in possession of the shares, continue to look for information that would help you be wiser as you aim to make this venture be profitable.

Investors are increasingly forced to choose from a proliferation of investment options. They also have to deal with contradictory advice on how to achieve their financial goals and how to invest the savings they have accumulated during their lifetime. If you consider that there are more than 7 000 mutual funds available in the United States alone, and thousands of insurance products worldwide, making the choice that will satisfy them ever after is daunting, to say the least.

No wonder people so often ask the rather general question: Which investment is best? The first part of the answer is easy: No single investment is 'the best' under all circumstances for all investors. Personal circumstances, goals and different people's needs differ, as do the characteristics of different investments. Secondly, one asset class's strength in certain circumstances could be another's weakness. It is therefore important to compare investments according to relevant criteria. The art is to find the appropriate investment for each objective and need.

The following are the most important criteria:

  • the goal of the investment
  • the risk the investor can handle
  • liquidity required
  • taxability of the investment
  • the period until the financial goal is reached
  • last but not least, the cost of the investment.


Goals determine the characteristics sought in an investment. You will be in a position to choose the most appropriate investment only when you have decided on your short-, medium- and long-term goals. The following generic goals are normally involved:

Emergency fund

Emergency fund money should be readily available when needed, and the value of the fund should be equal to about six months' income. Money market funds are excellent for this purpose. While these funds do not perform much higher than inflation, their benefit is that capital is saved and is easily accessible.

If you already have a ready emergency fund covering more than six months' income, you could consider a more aggressive mutual fund

Capital protection

If your primary aim is capital protection, you will have to be satisfied with a lower growth rate on the investment. Those above 50 are normally advised to be conservative in their investment approach. While this may for the most part be sound advice, you should also keep an eye on the risk of inflation, so that the purchasing power of your money does not depreciate. It is not the nominal value of the capital that should be protected, but the inflation-adjusted one. At an annual inflation rate of 6%, $1 million today will buy the same as $156 255 in 30 years' time. A 50 year-old with %1 million would therefore have to lower his living standard substantially if he only retains the &1 million until he was 80.


Conservative investments like those listed above should form the normal basis for providing an income. Because of inflation risk, investments should be structured so that they can at least keep up with inflation. This means that at least a percentage of the investment source providing the income should be made up of other asset classes like property and equity mutual funds. The percentage would differ according to individual and economic circumstances.

Investors fortunate enough to have their basic budget provided for by a conservative fund could consider increasing their income with commercial property funds and tax-free income from dividends paid out by listed shares.

Capital growth

If an investor's primary goal is to achieve capital growth, the real rate of return should be higher than inflation. This implies greater risk to capital in the short term. Investors aiming at capital growth should not be apprehensive, as they will reap the rewards in the long term.

The history of equity prices over the past 100 years proves equity investments to be the best performer, followed by property. This does not mean you should buy either of these investments blindfolded. Wait until the quality shares in which you are interested are trading at inexpensive price levels.


The investment with a history of the highest growth is not necessarily the one to choose. The Standard Bank's Gold Fund increased by 178% during the period 13 August 2001 - 24 May 2002 (284 days). Judging only on the growth of the fund during this period, it performed exceptionally well. But would it be the right investment for a retiree? During the 805 days following this, the same fund experienced a negative growth rate of 44%! The problem with an investment that decreases by this percentage is that it will not reach its previous peak by increasing again by 44%. This is because the growth this time will take place from a lower base, so in fact the investment would have to increase by approximately 80%.


Hard assets like Persian carpets, works of art and antique furniture may be good investments in the long term, but unfortunately they are not very liquid. The same is true of certain shares in smaller companies. Money market funds, on the other hand, are very liquid, but the returns may not always be as good as those from other investments. The need to liquidise the investment quickly is therefore also a criterion to consider when evaluating investments.


The taxability of an investment has a considerable impact on its value to the investor. When comparing the returns on different investments, the return after tax has been deducted should be used. The investor should always ask what will be left in his pocket after tax deduction.


Conservative investments with no potential for high returns are suitable for shorter periods, while investment-objectives with longer time horizons aspire to achieving higher returns. Money market funds are suitable for periods of one or two years. Income and conservative asset allocation funds for three or four years and flexible asset allocation funds, commercial property funds and value equity funds may be chosen for longer periods, dependent on the economic and interest cycle and the propensity of the investor to accept risk.


The costs involved in an investment are normally things like administrative cost and commission. The percentage of the costs to the investment amount directly affects the value of the investment. Many of the currently available investment products are structured in such a way that investors can negotiate commission.


No investment strategy blueprint is going to be perfect for everyone's circumstances. Investment opportunities should therefore be examined critically before any decision is made. It should also be kept in mind that there are different companies managing specific funds under the investment categories referred to above. Some are more effectively managed than others. Investors should therefore research investments as well as the managers thoroughly before investing. Otherwise, they could appoint professional asset managers to do so on their behalf. Time spent determining the type of investment you really need is time invested in your future financial well-being.

Dr. Manus Moolman has done extensive research on the issues of investing and wealth creation. He is dedicated to assist anyone, from laymen to professional traders, to invest successfully and become rich.

Want to contact him? Then please visit his website at:

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Ok, so I know most websites and magazines normally release this information in December, but I'm a little late to the party. I would say that if I could bet on a football game after watching the first 6 minutes, I would definitely win a lot more, so listen up:

1. The Economy Will Continue to Get Better - Although many of us don't feel like it, things have gotten A LOT better since it felt like the world was going to end in the fall of 2008. If you don't remember, check out my Cornell classmate's Andrew Sorkin's book "Too Big to Fail" or cheat and watch the HBO movie. We were at a point where Americans were prepared to take their money out of their savings accounts and were questioning whether the FDIC only insuring up to $100,000 was enough. Since Obama took office there has been an increase in the Dow Jones Industrial average. It is up 4,771 points to last Friday's close of 12,720 as his fourth year begins. I AM NOT saying that it is because of the president or our government per se, I'm just stating a fact and I think it will continue to trend upward this year.

2. Gold, Silver, and Stocks Will Be Bullish - I know that sophisticated investors will point out that there is usually an inverse relationship between commodities and stocks. I could easily see a lack of recovery belief pushing gold to reach a peak between $1800-2000 and silver around $70-80 an ounce. In the meantime, the market will be led by the Facebook IPO this year. I am a huge believer that the internet will thrust business growth like we have not seen since the Industrial Revolution in the 1800's. The same way that improved roads, canals and railways made it easier to link businesses and people, the internet has created a true global economy. The entire world will continue to get wired in which will spur economic growth.

3. Banks Will Continue to Be Reluctant to Lend to Small Businesses - With the Fed being forced to keep rates low, banks will be unable or unwilling to lend at lower rates. The good news for businesses is that I know a lot of people are sitting on a lot of cash these days, still nervous about investing it into anything. There will be a lot of money in the private sector to raise if entrepreneurs know the right people or if business/investors begin utilizing angel investing sites such as Gust. I like the idea that small business success can be shared between entrepreneurs and their investors.

4. E-tailers Will Continue to Chip Away at Traditional Businesses - In 2011 online businesses hammered into "brick and mortar" companies' profits and this trend will definitely continue. One of my favorite parts of Aaron Sorkin's movie The Social Network was:

'Sean Parker: I brought down the record companies with Napster.

Eduardo Saverin: Uh, sorry. You didn't bring down the record companies. They won.

Sean Parker: In court?

Eduardo Saverin: Yeah.

Sean Parker: Do you want to buy a Tower Records, Eduardo?'

The internet truly evens the playing field among businesses. It is true that a kid in his dorm room can take down some of the most powerful companies in the world and Napster proved it.

5. My Name is Bond - In 2012, interest rates look to stay low thus there will not be a ton of plays with them, EXCEPT ONE: Tax-Free Municipal Bonds. Generally when the media is scaring you away from something, it is time to get in. I believe with all of the scary headlines about California going Bankrupt and local municipalities drowning in debt that this is one asset class that is undervalued. I figure that by investing in them, you can expect to see a 5-6% free!

6. Mobile Continues to Blow Up -When I think about how quickly I see the computer/internet world changing, I can't help but think of myself as a kid with a black and white TV along with a corded phone that had no call-waiting... and I'm not that old! Kids being born now may not even see a desktop computer in their life time. With the genius of Steve Jobs making a push on smart phones and tablets, marketing to these devices will be paramount in 2012.

Well that's it ladies and gentlemen. I fully intend to remind you how brilliant I am at the end of the year, so make sure to take action on these tidbits that I fed you... did I really just say that?

For the past 13 years I have been an entrepreneur investing and being active in real estate projects, private businesses, consulting, and small-cap public companies. I have made a living by making investments in different areas that I have felt would yield me the best return on my investment as well as utilizing investors to have projects come to fruition. I often have friends of mine ask me for advice on buy�ing their first home, where I think the next business opportunity will be, and even how to get started. I have written endless business plans and am what some would construe as a "deal junkie". I love coming up with new ideas, putting a plan together and putting the pieces together to execute them. We are still in a recession and I felt that this would be an excellent time to give my two cents to whoever wants to listen. I have started a blog for business and investing called Money Catapult so Google it and check it out.

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Bird Dogging

This is also referred to as being a property scout for real estate. Basically you do the leg work to find and broker real estate deals. Once you have a contract signed, (for a price) you assign it to an investor/buyer who has the funds to close the deal. For example, let's say you find a motivated seller (let's call her Anne) that has a property worth $200,000. Because Anne is anxious to sell, she is willing to sell the property to you for $120,000. You tell Anne that you would like to buy her property but you just need two months to come up with the cash. Anne says this is fine as she won't need the cash for two months anyway. You draw up a contract with Anne saying that she will sell the property to you for $120,000 and she will not accept any other offers during a two month time frame. You can make the contract official by placing $100 in an escrow account. Another thing you do is place two clauses in the contract. The first clause will state that you can get out of the deal if your business partner or advisor does not support it. This first clause gives you a way out if you can never come up with the money. The second clause states that the contract is assignable. What this means is that at any time during the two months, you can assign/give your rights to the contract to someone else. With contract in hand you find a real estate investor (let's call him Bill) or someone looking for a house.

You tell Bill that you have a deal on a property. The property is worth $200,000 but you have a contract that will allow you to get the property for $120,000. Bill already has a potential $80,000 equity and can keep the property or sell it right away for a nice profit. You tell Bill that you don't plan to buy the property but you can assign the contract to him for $5,000. Because you have done all the leg work and the property has the potential to make around $80,000, this idea would be appealing to Bill and he gives you $5,000, gets the contract and purchases the property. So you made $4,900 on an investment of $100.

Tax Lien Investing
With this strategy you can get paid to pay other people's taxes. If someone falls behind on their property taxes, you as an investor can pay the property tax amount and once the person gets caught up, you collect what they have to pay in penalties. In states like Texas, a delinquent person has 6 months to get caught up and once they get caught up they have to pay fines of as much as 50%. At least 25% of whatever they pay will go to you. For example, if someone had property taxes of $5,000, they would have to pay about $7,500 to get caught up. If you had paid $5,000 for that tax lien, you would be entitled to $1,250 or 25%. In the worst case scenario if the home owner never gets caught up, you are allowed to foreclose on the property.

The above are two alternative Investment Options which require little money to start but has huge potential of return on investment (ROI). You will need to acquire good knowledge in the field and spend good amount of time doing the research.

The article excerpt was taken from original article by Dale K Poyser. Dale has been investing for 11 years and has done meticulous research on various strategies that can add residual streams of income to your life.



The best investment strategy for 2012 and beyond will differ from the popular investment strategy offered by most investment advisers and financial planners today. The investment landscape has changed. Here's a strategy for making the best of it.

Invest Smartly

Most people know they need to start saving for retirement and other major life events. But they usually lack the time, energy or expertise to develop a grounded investing plan according to the market situation and to sift through the tens of thousands of investment options available. Diversification is the key for investing in 2012.

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Invest in Currency

Here’s a strategy you’ll like, It’s called Copy>Paste. Now, you can copy top traders’ success!

This is one of the most promising investment options for 2012. News on Europe’s debt trouble and efforts to resolve it drives the global market. Investing wisely in Forex presents a perfect opportunity to make a good amount of money with moderate risk. If you have never invested in foreign currency or Forex, you need to learn the terms and techniques for Forex trading using a practice account.

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If you are unsure where to start with saving and investing we can help. Many people don't know where to start with their savings priorities and Investment Options. Following a "savings hierarchy" can help you learn where to start saving and investing. You can create a hierarchy that fits your own needs. Here are the steps in the savings hierarchy.

First, contribute as much as your workplace with match to your 401(k), 403(b) or 457 plan. Matched contributions are like "free" money, and you typically get tax-deferred growth and compounding returns. The sooner you start with this the better.

If your employer has a low contribution (less than 50%) and you have high interest rates on your credit card debt (25% or higher), you may want to pay this debt off first.

Second, pay down high-interest credit card debt. If your interest rate is higher than 9%, you should consider using some savings account money to pay down the balance of these accounts, starting with the highest interest rate first. While applying the most money to the highest interest rate card you should be making at least the minimum payments on the other cards to avoid extra penalties. Once one card is paid off, beginning applying extra money to the next highest interest rate. Do this until you are free from all high-interest debt.

Next, contribute the maximum amount to your workplace plan. This is more important than savings low-interest debt or tax-advantaged debt because you will need to save hundreds of thousands of dollars for retirement. Building up your tax-deferred savings early makes sense. Each year you can contribute up to $16,500 to your 401(5) and after 50 you can contribute up to $22,000.

Then, fund an IRA. Once you have maxed out your 401(k) contribution you may consider a Roth IRA or a traditional IRA depending on what you qualify for. The annual limit for contributions is $5,000 a year, or for people over 50$6,000 per year.

Finally start working on other savings goals. Have money transferred each month to a savings account for things like a child's college expenses or a down payment for a home. Make sure you look into tax-advantaged accounts like Coverdell Education Savings Accounts of 529 college savings plans. Learn more about finance and investing.

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