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More articles: How to make money online Hard Money Lenders & Lending - Hard Money Real Estate Loan - Apply ... [How To Make money online] Which Path Will You Take...How To Make ... Best Way To Invest Financial Planning & Investment Tips : Is Money Market Better Than Mutual Fund?
Money market accounts are great for liquidity but don't have the high rate of return of a mutual fund. Learn more about money market accounts and mutual funds with tips from a registered financial consultant in this free video on financial planning.
Author: eHow Read full post here. Personal Finance & Money Management Tips : Tips on Refinance Rates
Refinance is a secondary market term in the mortgage business for when a rate is expired and the borrower must renegotiate the loan. Better understand what refinancing is and the terminology to go along with it through tips and advice from an experienced financial adviser in this free video.
Author: eHow Read full post here. Personal Finance & Money Management Tips : Money Market Account Tips & Advice
Money market accounts are a less liquid form of high-yield savings account. Although they have a higher-interest rate, there are penalties for excessive withdrawals. Choose the most logical form of savings account or money market account that will allow for smooth business transactions or life experiences from an experienced financial adviser in this free video.
Author: eHow Read full post here. George Bush on Credit Crisis Economy CNBC Report October 10 2008
http://www.DaniJohnson.com This is the report that George Bush gave this morning after the dow jones fell over 800 points this morning in early session. President Bush on Friday encouraged the American people to have confidence in the economy during a "deeply unsettling period." "We can solve this crisis - and we will," said Bush, in a speech at the White House. Bush reiterated the recent measures taken by the Federal Reserve and Treasury Department to breathe life into the battered markets. "Here's what the American people need to know: The U.S. government is acting, and we will continue to act, to resolve this crisis and return stability to our markets," he said. Bush said that the government's "wide range of tools" included the $700 billion bailout of the financial industry, which he said is "big enough to work." This plan will authorize the Treasury to buy bad mortgage-related investments from finance companies, unfreezing the credit markets by freeing up banks and finance firms to lend once again. Bush also said the government has started to take steps to help homeowners to refinance into more affordable mortgages; cut the target for the federal funds rate; unveiled a plan to support the market for commercial paper; and has offered government insurance for money market mutual funds. In addition, he said the U.S. government is coordinating its efforts with other countries. "This is an anxious time, but the American people can be confident in our economic future," he said. Since Sept. 15, the day financial giant Lehman Brothers failed, the president has commented on the nation's financial health 27 times, either through written, radio or on-camera statements. On Friday, Bush spoke amid another day of stomach-churning volatility in the U.S. and world markets. The Dow plunged nearly 700 points in morning trading, though it erased some of its losses shortly afterwards, as traders snatched up bargain-bin stocks.
Author: ctfiheadliner Read full post here. US Banking Industry -- Stock Market Fundamentals (13)
US Banking Industry -- Market Fundamentals (13). The recent meltdown of the US banking industry is the single most disruptive force that will likely trigger a worldwide recession and a prolonged decline of the stock market. Lets see if we can learn something from the market fundamentals. Financial Stocks Down Since June 07, financial stocks started to decline. They reached a low point by June 08. The following shows the carnage: Citigroup: from $55 to $14, Bank of America: $55 to $20, JP Morgan Chase: $55 to $30, Morgan Stanley: $90 to $12, and Goldman Sachs: $250 to $90. Since then, the stocks have rebounded somewhat. Two Main Causes The first one is the lowering of interest rate by the Federal Reserve. For fear of a recession induced by the dotcom bust and the 9/11 terrorist attack, the Fed continued to lower interest rate from 6.50 in May 2000 to 1.75 in September 2004, then adjusted it gradually to 2.00 by April 2008. This has created an unprecedented flow of easy money for the banks to lend. The other main cause is the absence of supervision by the Bush Administration because they believe that the market will solve all problems of society. One thing they could not see is that greed knows no limits. The bankers continued to lend and lend in order to maximize profits. The best place for banks to lend is real estate because it is the most tangible collateral. Thus the easy money fueled the housing boom. When housing prices continued to rise every year, the bankers invented the sub-prime loans where consumers were seduced with very low interest rates for the first few years, then the rates would be adjusted back to normal. In a housing boom, it makes sense for the consumers to take a loan to buy a house regardless, then sell the house for a profit before the rate adjustment comes. What the banks failed to see is that when they lend billions and billions to homebuyers, it will become their big problem if too many homebuyers default at the rate adjustment time within a few years. Consequence The result is an ugly mess of bank failures and billions of mortgage write downs for the banks. Increasing mortgage defaults also cause housing prices to drop. Business failures occur everyday but bank failures are quite different. They result in contraction of credits on which all businesses depend for daily operations, especially the automobile industry. Besides worrying about the next paychecks, people also wonder if their money is safe in the bank. Thus it leads to a crisis of confidence that can easily bring down the whole capitalist system. No wonder the US Congress was so scared to pass a massive $700 billion bailout bill within a week. Will it work? It depends on how big is the mortgage problem that nobody knows. Uncertainties The following may happen in the next few months: •More banks may fail in US and overseas. •The US may lead the world into a deep recession. •The stock market may continue a prolonged broad decline. Hopes The massive US bailout may work. At least it draws a line of defense to protect the big banks like Citigroup, Bank of America, JP Morgan Chase, and Wachovia (to be purchased by Citigroup or Wells Fargo brokered by US government). The rest will be left to die or merge with other banks. Where is the Bottom? The major bank stocks appeared to have touched a bottom in July 2008 when Citigroup reached $13, BankAmerica $18, JP Morgan Chase $29, and Wells Fargo $20. They have all sprung back quickly since then. The government bailout may have prevented them from falling further. But then, who knows? We have only seen the fact that they briefly touched a bottom. If there are more banks collapsing in the next few months, the mood of the market will depress these stocks further. If you have surplus cash and are willing to take risks, the major banks mentioned above are good candidates for a rebound. However, never try to guess the bottom. You have to see the bottom to believe it. We have seen it once recently but it may be a mirage. If the economy continues to worsen, there will be another bottom to watch. I remember during a prior downturn around 1992, CitiBank stayed at $9 for quite a while. For further information, please email to stockfessor@comcast.net
Author: stockfessor Read full post here. Wall Street Journal Says: "Start Stockpiling Food!" (details in description area)
http://online.wsj.com/article_email/SB120881517227532621-lMyQjAxMDI4MDI4MjgyMTI1Wj.html I don't want to alarm anybody, but maybe it's time for Americans to start stockpiling food. No, this is not a drill. You've seen the TV footage of food riots in parts of the developing world. Yes, they're a long way away from the U.S. But most foodstuffs operate in a global market. When the cost of wheat soars in Asia, it will do the same here. Reality: Food prices are already rising here much faster than the returns you are likely to get from keeping your money in a bank or money-market fund. And there are very good reasons to believe prices on the shelves are about to start rising a lot faster. "Load up the pantry," says Manu Daftary, one of Wall Street's top investors and the manager of the Quaker Strategic Growth mutual fund. "I think prices are going higher. People are too complacent. They think it isn't going to happen here. But I don't know how the food companies can absorb higher costs." (Full disclosure: I am an investor in Quaker Strategic) Stocking up on food may not replace your long-term investments, but it may make a sensible home for some of your shorter-term cash. Do the math. If you keep your standby cash in a money-market fund you'll be lucky to get a 2.5% interest rate. Even the best one-year certificate of deposit you can find is only going to pay you about 4.1%, according to Bankrate.com. And those yields are before tax. Meanwhile the most recent government data shows food inflation for the average American household is now running at 4.5% a year. And some prices are rising even more quickly. The latest data show cereal prices rising by more than 8% a year. Both flour and rice are up more than 13%. Milk, cheese, bananas and even peanut butter: They're all up by more than 10%. Eggs have rocketed up 30% in a year. Ground beef prices are up 4.8% and chicken by 5.4%. These are trends that have been in place for some time. And if you are hoping they will pass, here's the bad news: They may actually accelerate. The reason? The prices of many underlying raw materials have risen much more quickly still. Wheat prices, for example, have roughly tripled in the past three years. Sooner or later, the food companies are going to have to pass those costs on. Kraft saw its raw material costs soar by about $1.25 billion last year, squeezing profit margins. The company recently warned that higher prices are here to stay. Last month the chief executive of General Mills, Kendall Powell, made a similar point. The main reason for rising prices, of course, is the surge in demand from China and India. Hundreds of millions of people are joining the middle class each year, and that means they want to eat more and better food. A secondary reason has been the growing demand for ethanol as a fuel additive. That's soaking up some of the corn supply. You can't easily stock up on perishables like eggs or milk. But other products will keep. Among them: Dried pasta, rice, cereals, and cans of everything from tuna fish to fruit and vegetables. The kicker: You should also save money by buying them in bulk. If this seems a stretch, ponder this: The emerging bull market in agricultural products is following in the footsteps of oil. A few years ago, many Americans hoped $2 gas was a temporary spike. Now it's the rosy memory of a bygone age. The good news is that it's easier to store Cap'n Crunch or cans of Starkist in your home than it is to store lots of gasoline. Safer, too. Write to Brett Arends at brett.arends@wsj.com
Author: OsamaIn2008 Read full post here. Wall Street Keeps Sinking
STORY: The Federal Reserve hoped by saving this --- it would avert this: more instability in the financial markets. But that's not what happened. U.S. markets fell more than 4 percent early Wednesday as the market looked beyond the $85 billion federal lifeline to American International Group. Art Hogan is chief investment strategist at Jefferies. [Art Hogan, Investment Strategist]: "AIG gets rescued and then it is today's - what is today's disaster du jour going to be? And there's contemplation or conversation about the next shoe to drop. So unfortunately we are in a cycle of disaster to just disaster, bouncing from disaster to disaster. And that's why the market, I think, can't get any legs." There is also some concern AIG may need more than $85 billion loan to stay afloat. And that fed into lingering fears the worst is not over for the global banking sector. A key international lending rate shot to historic highs. The London inter-bank offered rate, or LIBOR, suggests banks are reluctant to lend money to each other in case they need that cash to fight-off a run on the bank, Hogan adds. [Art Hogan, Investment Strategist]: "We haven't seen anything like this since the (19)50's. And its very, very bad. It shows a very, very tight credit market. That will fix itself when banks start realizing it's okay to be back in business and not hoarding their cash. That's not today." And signs of the malaise are spreading. The Primary Reserve Fund, a money-market mutual fund, fell below $1 a share in net value -- money market funds are not supposed to drop below that mark. Further exacerbating Wall Street jitters: the root of the problem - a weak housing market - offered no hope. New home construction projects tumbled to a 17-1/2 year low in August.
Author: NTDTV Read full post here. Should I Buy Into A Mutual Fund? -- Stock Investment (3)
Should I Buy Into A Fund? -- Stock Invest (3) Mutual or investment funds are very popular nowadays. One basic difference between an individual trader and a fund is that the former plays with his own money, whereas the latter plays with other people's money. The following are the reasons why I won't buy into a fund: No Real Product The funds only sell you a dream that your investment will multiply for the long term. They package the dream in such a way that you think you own a bunch of good companies too. In this way, they sell you one dream on top of another. Dreams can evaporate so easily. Anchoring a dream to a good company will perpetuate it. Therefore, the selling points for a fund have to be: huge capital, technical expertise, diversified holdings in good companies, expertise in emerging markets and industries. Impressive indeed! Are they selling all of these to you or merely a dream nonetheless? If you can buy such impressive power, why can you still lose money in a fund? Lack of Responsibility Investment funds compete with banks for depositors' money. The banks have a real product to sell. They sell you a specified interest rate. You are guaranteed the interest payment even if the bank loses money. Thus, the banks are responsible for the products they sell. In many countries, your deposit is even insured by the government should the bank go under. The funds promise a dream that beat the banks' interests by many times. However, they are not responsible for the dreams they sell. You may win or lose, even losing all of your initial investment. What a cool business to be in! People give you money and a management fee. You produce nothing but a dream. Best of all, you are not responsible for the outcome. No wonder the banks are selling investment funds to their customers, too. In a market boom, the funds will report higher portfolio values to the customers. There is no real gain yet until you cash out. This means the dream gets inflated. The customers never question how much money the funds actually made, compared to how much was distributed to them. They have no choice but to accept a periodic report. In a downturn, the funds always blame the stock market or the economy as the scapegoat for the decreasing fortunes of their customers. It's never their fault to cause the customers to lose money. The strange thing is that the customers also accept what the funds say. Impressive but Irrelevant Information The funds are really good at packaging the dream they sell. Customers are given an impressive brochure with graphs and statistics. Most people fall into the trap of studying the materials and becoming convinced. You should think about what they don't tell you rather than savoring what they tell you. In addition, the funds are best in creating technicalities to protect themselves and impress customers. When facing technicalities hard to comprehend, customers tend to shy away or accept. Many even admire the complexity. Very few customers refuse to be bullied or conned by sales people using technicalities. Lack of Transparency In good times, the funds make tons of money each trading day when billions of dollars change hands at the stock market. The customers never bother to ask how much profit is made and how much is given back to them. Instead, they only receive a periodic report showing what the funds want them to see. In bad times, the funds still make plenty of money by shorting the shares as they fall. Don't you ever suspect that they know how to profit in a down market too? Who initiates a downturn in the first place? Is it some big player or the herd? The profits made by their short selling on each trading day are never transparent. Thus they pocket all the profits with your thinking that they lose money like you in bad times. Consequently, besides losing a cut of this short-selling profit, the customers also lose part of their initial investments, which are tied to the falling market indexes, as cleverly designed by the funds. In conclusion, I won't let any "experts" to play with my money without some reasonable guarantee of returns during good times. Also, I will not accept any loss if the market comes down. I always remember that I am giving them my cash, and cash is king. I dictate the terms, not they. That's why I will never invest in a fund. For further information, please email to stockfessor@comcast.net.
Author: stockfessor Read full post here. Broker/Dealers - Going Independent - Registered Reps.
Broker/Dealers - Brokerwebstation has an array of investment products for asset allocation... and they're ALL APPROVED by the regulatory bodies. Among the offerings: equities, options, ETFs, mutual funds, Variable Annuities, Money Market accounts, US Treasury and Municipal Bonds, CDs and several fixed income products. Brokerwebstation doesn't impose sales quotas. You are free to truly serve your clients and their investment goals. Now, let's consider another scenario: Say you'd like to have a money manager help manage your client assets, giving you more time to build your book. Brokerwebstation is proud to offer "the Advantage solution". This option lets one of our experienced money managers manage your clients' assets. You'll get reports you can review with your customers to show them the progress of their account. BWS also offers a suite of research tools. We're talking real time quotes, options data, stock screeners, interest rate apps, analyst rating, market movers, advanced charting, news and streaming portfolio management systems. That's a big suite! Brokerwebstation is also proud to announce its Argus Research. It gives investment pros the data to make decisions...with research on equities, bonds and mutual funds.
Author: wallstreetetv Read full post here. Stock Market Crash & The (next) Great Depression Ahead?
Update: April 7 2008: Since producing this video, I've been introduced to and following another investment expert whom I'd like you to know about. Visit www.TrueContrarian.com for more information. The sub-prime mortgage crisis has led to the bursting of the US housing bubble. What's next? Craig Brockie and New York Times best selling financial author and economic forecaster Robert Prechter share how to survive & prosper in a deflationary depression. Find answers to these questions: Bull market boom or bear market bust ahead? Recession or depression? Inflation or deflation? Buy or sell? U.S. dollar, Yen, Euro, Amero, gold or silver? Equities or bonds? Can the Fed save the day? Will Ben Bernake and the Federal Reserve print the greenback into oblivion and create a repeat of the German Weimar Republic? Or will we experience another stock market crash followed by a repeat of The Great Depression? Avoid foreclosure of your home, protect your retirement savings by selling your mutual funds and stocks before the herd, avoid a run on the bank and your insurance company going broke. Sleep well knowing you're prepared. Who has the answers? CNBC, Bloomberg, The Wall street Journal, The Economist, The Globe and Mail, or BBC World? How about an interview or panel with Donald Trump, Jim Cramer, Alan Greenspan, Warren Buffet, Doug Casey, Jim Shepherd, Milton Friedman, Naomi Klein, George W. Bush, Hillary Clinton, Barack Obama, Aaron Russo, or Libertarian Ron Paul to save the day? Should you invest in the NYSE companies, Dow Jones Industrial Average, S&P 500 Index, Nasdaq technology stocks, emerging markets such as China, forex and interest rate derivatives, short selling, put options, call options, commodities, commercial real estate, buy homes with no money down, or sell your house? Who will win the next election -- the Democratic or Republican party? Watch this free video and compare it to what you hear on tv shows, radio programs, Googling the web, or your favorite dvd, Youtube channel or online blog. Or Google "The Great Depression" and educate yourself about "deflation" to save your money and financial well being. It's a mad world of conflicting opinions about oil and energy prices, billionaire wealth, billion dollar earnings and merger and acquisition news, and trillion dollar debts. Yesterday's sell off followed by today's rally on equities (despite the war on terror) leaves both buyers and sellers confused. What's the big idea? Small caps, market cap, recap, refinance? Wait, there's GM, GE, HSBC, UBS, RBC, CIBC, TD, BMO - and plain old BS. I know this sounds like a George Carlin rant, but I bet he could make more sense of the confusing world of finance than most Wallstreet "experts", reporters and journalists. Welcome to my five minute show. Enjoy! CraigBrockie.com
Author: CraigBrockie Read full post here. Creating Wealth Podcast #24
Creating Wealth #24 - The Three Dimensions of Real Estate Investing™ Unlike stocks, bonds, mutual funds or commodities such as precious metals like gold and silver - real estate is a multi-dimensional asset class. The multi-dimensional nature of income property makes it extremely profitable in changing ways based on varying market conditions. This is a wonderful thing because investors can profit even seemingly "bad" markets. For example, when financing becomes expensive (low housing affordability rates) or difficult to qualify for (low capital liquidity) it can create excellent opportunities to increase rents. When mortgage rates are low and qualifying is easy it can spur terrific appreciation. You can win either way so long as you adapt your strategy based on economic realities.
Author: platinumproperties Read full post here. |
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