Desperately Seeking Diversity, Simplicity

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If you think choosing the right investments is complicated, you’re not alone. Investors looking for simplicity and portfolio diversification are driving demand for all-in-one investment options.
Desperately Seeking Diversity, Simplicity
If you think choosing the right investments is complicated, you’re not alone. Investors looking for simplicity and portfolio diversification are driving demand for all-in-one investment options.

According to Strategic Insights, a market research firm serving the mutual fund industry, more than two-thirds of the $150 billion that investors added to mutual funds in 2004 landed in asset allocation products.

So what exactly are these all-in-one investments? In a nutshell, they are broadly diversified, professionally managed funds that can serve as a complete portfolio. They come in primarily two flavors.

* Lifestyle or life-cycle funds focus on a particular level of risk. These can be an appropriate choice for investors who want a diversified core investment solution that offers a specific level of risk and potential reward.

* Age- or target-year-based funds target a specific investment time frame or goal. As each fund’s target year approaches, its exposure to stocks (and corresponding risk) will decrease and its exposure to bonds and money market investments will increase to reduce risk and preserve capital. These funds can be suitable choices for investors seeking a core investment strategy for retirement planning or who have a set number of years to invest.

American Century currently offers both types. My Retirement Portfolios is a series of five age- or target-year-based funds, while One Choice Portfolios is a separate series of five risk-based funds.

Both portfolios are made up of American Century stock funds, bond funds and money market funds. The portfolios’ managers adjust asset classes and weightings to emphasize investments they believe provide the most favorable outlook for achieving results.

Doug Lockwood is a certified financial planner for American Century Investments.

Ask for a prospectus that contains investment objectives, risks, charges and expenses, and other information that should be carefully read and considered before investing.

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How to Use Annual Report

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There are many steps in calculating the fair value of a company. However, before we even do that, it is imperative to know how a company earns its profit. Does it do that by selling to consumers? licensing its technology to other companies? or extracting natural resources from the ground?
Finance Stock Annual Report Free Web Directory Article Submission
There are many steps in calculating the fair value of a company. However, before we even do that, it is imperative to know how a company earns its profit. Does it do that by selling to consumers? licensing its technology to other companies? or extracting natural resources from the ground?

The sensible way to do it is by reading the company’s annual report. What is an annual report? Annual report is yearly publication by public companies to better inform investor about the company’s line of business. Annual report gives investors a glance of the company’s line of business, financial health as well as management’s strategies for doing business.

Let’s look at CNET Networks Inc. The company trades in the NASDAQ market with symbol: CNET. What does CNET do? I know CNET owns cnet.com. But do you know that it also owns download.com, MP3.com, ZDnet.com and News.com ? How do I know that? Yep, you guess it. CNET’s Annual Report will gives you all that.

From CNET’s annual report, we can do a little digging for CNET’s internet traffic. As of August 27th 2005, these websites of CNET attracts 3 % of all internet traffic. Pretty impressive, considering that Google holds 23% of all internet traffic. On April 2005, Google had 78.6 million unique visitors. By comparing this metric, we might have an idea CNET’s revenue potential for the month of August. I will not go into that but this shows how useful reading CNET’s annual report is. Reading an annual report serves as the first step towards investing in a particular company.

How do we obtain annual report? There are several sources for this. First is the companies own website. You are interested in knowing more about CNET Networks? You can get the annual report by going to http://www.cnet.com and go to its shareholder relation. After several clicks, you can then download the annual report.

Or … you can go to some websites that offer complete annual report for a number of different companies in alphabetical order. Our website is one of them. Admittedly, while having hundreds of annual reports in one place is convenient, it is not as thorough as what the company’s own website has to say.

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Constant Access with Stock Trading Online

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If you’ve never played the stock market, it may be time to inhibit it out. Many people make millions in selling and selling. Haven’t you heard about the UPS shares? Those people got rich. It’s amazing where a little chance can take you. With stock trading online somebody can have constant access to the market.
stock market, stock trading online
In a world built on capital, we humans are forever vying for that next big money-maker. It seems that everybody forever desires more cash. Some strive for a senior education; others compete for that big promotion. No worry what the method, we all find a way of increasing our income. Investing is a customary form of making an added buck. With the obsession of the stock market in gorged affect, many of us chance on that up-and-coming business, or upright product that has the latent to fuel in value. We know that shares can sky-rocket in appraise if purchased at the right time. A blessing to many investment junkies is stock trading online. The stock market is now at your fingertips.

If you’ve never played the stock market, it may be time to inhibit it out. Many people make millions in selling and selling. Haven’t you heard about the UPS shares? Those people got rich. It’s amazing where a little chance can take you. With stock trading online somebody can have constant access to the market. Hop on your computer and inhibit out the websites that can help you with this process. It doesn’t worry if you’re looking to squander a little or invest a lot, there is something just waiting for you. The great thing about the Internet is the information. You can find an abundance of trading tips and truth about the stock market for free. This way when you commence stock trading online, you won’t be in the dark.

We hope that the first part of this article as brought you a lot of much needed information on the subject at hand.

A few living back, my best friend hopped on the stock market bandwagon, and purchased some shares. When he began this little venture, he purchased on the recommendation of a partner who had been trading for years. After selling a number of shares at 10 bucks a pop, he was keen to go. It wasn’t long before the shares had amplified to 60 bucks a pop. He took the innocent road and sold immediately. I think that this was a astute decision. He made the currency and puzzled nothing. With stock trading online, shrewd when to fold is key. Just like with gambling, you have to know when to currency out. Make some money, but don’t get greedy. Before you know it, the shares have dropped below your purchase price. Stock trading online is a amazing way to veer a profit and make that added cash. Before you skip online and flinch investing, inhibit out some websites for figures and pointers on the contest of stock trading. A better understanding of the affair will pay off in the end.

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How To Undertake Free Stock Research

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Stocks are not constant. They increase, decrease and disappear. In fact, investing in the stock market is a risky endeavor not to be taken lightly. You name it– you may start out happy with the high standing of your stocks and after an hour or two turn sad because your stocks have somehow lowered down below their original value. They may actually plunge, slamming down to the lowest values fathomable. You may emerge feeling depressed that you’ve lost an investment that you’ve…
Stocks are not constant. They increase, decrease and disappear. In fact, investing in the stock market is a risky endeavor not to be taken lightly. You name it– you may start out happy with the high standing of your stocks and after an hour or two turn sad because your stocks have somehow lowered down below their original value. They may actually plunge, slamming down to the lowest values fathomable. You may emerge feeling depressed that you’ve lost an investment that you’ve worked hard for and had much hope in. For this reason, investing in stocks can be both exhilarating and disconcerting.

To avoid such unsightly scenario, it would be best to do some research before investing all your hard earned savings on stocks. Stock investment is not for the faint hearted; it is for those smart individuals who knew how to manipulate the stock market for their advantage. These people know the importance of stock research and have spent a great deal of effort, time and even money just to come up with the best tactics that can help them in their quest for enormous stock returns.

The internet is a good venue for conducting research on stocks since you are able to access various online sources pertaining to stocks. The best thing about these sources is the fact that they are free. You might ask yourself why conducting stock research is critical. The answer is clear.

A stock research is conducted in order to know what stocks are favorable for investment and which stocks are to be avoided. It is also conducted to know the fluctuations in the stock market, this way businesses as well as private individuals are guided when to sell or when to buy additional stocks.

In addition, there are some free stock research providers online that offer their expertise by helping people reclaim their money from old bonds and stock certificates. Most of their clients are comprised of banks, estate and stock brokers, lawyers, and private individuals. Their services also include research on a company history and old stock shares dating centuries back.

There are also other free stock research providers that offer consultation services and at the same time assist members in choosing the stocks to invest on. These providers are stock investors themselves, what they actually do is to make the initial investment in a certain stock which they assess is profitable and then they let their members to also invest in the same stocks. If they gain their members will also gain. They religiously conduct stock researches in order to update their members when to sell, or when to buy additional stocks.

They also keep track of whatever changes in the stock market since they know that even a slight fluctuation in the stocks have significant effect on their investments as well as on the investments of their members—and the best thing about all of these services is that they are for free. If it your first time to invest in stocks it would be best to join such free stock research provider online. Keep in mind, time is critical since they accept only a limited amount of members.

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James Dines Predicts a Buying Panic in Uranium

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Over the years, Dines successfully forecast the Internet mania, forecasting the giants of the tech boom, and forecasting the tech bust. A gold bug again, Dines also added uranium as the metal to watch over the coming years, saying, “This is my way of playing the whole coming energy boom.” We talked with Jim Dines about the “melt up” in the uranium sector.
investing, stocks, uranium, mining, oil, gold, utilities, nuclear energy, commodities, bull market, labor shortage, drill rigs, exploration, geologist
Over the years, Dines successfully forecast the Internet mania, forecasting the giants of the tech boom, and forecasting the tech bust. A gold bug again, Dines also added uranium as the metal to watch over the coming years, saying, “This is my way of playing the whole coming energy boom.”

Interviewer: You have been calling a bull market in uranium and, once again, you were the first voice in the now-growing crowd of uranium bulls.

James Dines: What a surprise.

Interviewer: Why are you bullish on uranium?

James Dines: It very important to get into a bull market early. The earlier, the better. That when the biggest percentage gains are made. That why we got into the Internets very early. We got stopped out in 2000. We were in cash for a year and then went to metals, as the way to play the China boom in 2001. Wee still in those. In 2002, we turned bullish on uranium as a unique way to play the coming boom in the whole energy complex.

Interviewer: But why uranium, as opposed to another type of metal?

James Dines: Basically, the western world demand is outpacing supply by about 300 million pounds a year. Global uranium use, excluding the growing usage by China and the former Soviet Union, is running at around 155 million pounds a year, as compared with global production of only around 94 million pounds. There are only about 500 customers for this stuff, not counting terrorists (joke). Because of that, it not a regular commodity. The public can’t go and buy uranium. In August 2003, there was a shocking blackout in Canada. The utilities were shaken. They realized when they don’t pay attention, the lights go out. That was a kick in the shin for utilities to begin immediate investment in the infrastructure of the electricity grid. But what is completely under the world radar is that nuclear plants are also concerned about a shortage of uranium. If they run out of uranium, the lights go out. You can’t switch to another fuel. You can’t toss another log on the fire, so to speak. Because of that, there is a growing panic among the buyers. That why I became what I’m calling myself: The Original Uranium Bug. And calling, or predicting, the coming Uranium Melt Up and buying panic.

Interviewer: A panic over uranium. Why do you say that?

James Dines: There going to be a buying panic. The bottom line is that in 2002, there were 441 nuclear reactors worldwide and another 34 under construction. Six new reactors began commercial production in 2002, three in China, two in South Korea and one in Japan. There was construction begun on six reactors in India and four in South Korea. There are more units coming in Finland, Russia, Ukraine, Romania, and Brazil. China announced recently they were going to build five more nuclear facilities. All of the governments of the world have been frightened by the talk of the difficulty in getting oil. I wouldn’t be surprised if more of them began building up their strategic oil reserves as the US has done. That would turbo the whole carbon-based fuel crisis higher. That makes nuclear more than a competitor. The price of uranium hit $7.10 on Christmas Day 2000, and then began a low, quiet and slow climb. The bottom line, which I outlined in my book on Mass Psychology, is that a new bull market must be invisible to the crowd. The corollary to that is when you see bandwagon on Wall Street, you are too late.

Interviewer: Some are making predictions of $50 uranium or even higher. What do you think?

James Dines: $50, $60, anything is possible. If you are running a utility and your choice was getting uranium at any price or having the lights go out, which would you do? This is my way of playing the whole coming energy boom. I think it the smartest way. This is unique. This metal is just not there. Wee just not going to have it.

Interviewer: How much of a role does Cameco (NYSE: CCJ) play in this market?

James Dines: They control the world largest high-grade reserves and low-cost operations, commanding position. They supply around 20 percent of the western world uranium. It America only uranium producer, in Wyoming and Nebraska. Around 20 percent of America energy is produced by nuclear. That accounts for around 35 percent of the western world consumption.

Interviewer: Is there any other way to play the uranium bull market?

James Dines: There is no other way to play it, as far I know of. The utilities buy the stuff so you can’t buy the metal. There is no other way. That why I like the uranium way of playing the energy boom. Some of my other predictions, like the Coming Age of the End of Petroleum ?this century is going to see the end of the petroleum age. Wee going to use it up. You have China and India coming onstream. You’ve got the automobile age coming to those two countries. Not even one percent of their citizens own cars yet. With all these cars coming onstream, suddenly everyone is frightened about nailing down their petroleum supplies. I don’t have to tell you how explosive the Middle East could be. Anything could happen there. A revolution in Saudi Arabia ?the most valuable real estate on the planet and it being gunned after by not just Al Qaedah, but every other big player on the land mass is saying, we need oil. That where the pool is. As that pool shrinks, it going to become more and more valuable. There will be more of a stampede into other energy sources. You already see it going into coal and natural gas. Unless theye going to start putting windmills on cars, it over. When it will end, who knows?

Interviewer: Any guesses?

James Dines: You hear all kinds of guesses. There were only so many dinosaurs and ferns. It finite, and it is dirt cheap. People snivel at $1.67 for gasoline, but they pay $10/gallon for Gatorade. White-out is $25/gallon. Evian is $21/gallon. Pepto-Bismol is $123/gallon. People have no concept of how high oil is going to go. Oil is going to go through the roof. A sound energy portfolio should certainly include some oils. But to me, the center of the chessboard is going to be uranium. It going to get a lot worse before it gets better. Once you start getting sky-high prices for oil, there no limit to what uranium could do. Even with an accelerated drilling program, it going to take years to bring it on. And they haven’t even started it yet. There an energy crisis coming of the first magnitude.
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James Dines, editor of The Dines Letter since 1960, has been making recommendations to investors for over 40 years. Recommendations of The Dines Letter are based on mass psychology, technical and fundamental economics thus studying both the company and investor behavior. Mr. Dines’ insights have gained him a reputation as a well-renowned, highly respected and regarded investment advisor.

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Crush the Stock Market Without Trading Stocks

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Learn a trading system that will make you richer than if you’d bought Google as an IPO. Foreign Exchange trading is a smart, lucrative and accessible way to invest your money; as long as you know what you’re doing. Here are the Five Steps you need to take to start getting monster returns by tradin
Forex, FX, ForeignExchange, Foreign Exchange, Exchange, Foreign, Trading, Markets, work from home , workfromhome, work-from-home, Spectacular Returns, market crushing, financial success, financial freedom, strategy,
Do you look at the stock market and wish you’d bought some Google stock back when it was first offered for $104? You’d have gained nearly 300% on that investment in the first year – that’s roughly 9.2% each month! That’s a Wall Street level of success!

Imagine if I could show you an investment opportunity that could easily give you over 14% monthly? What if 21.5% per month was within reach? These yearly returns of anywhere from 500% to 1000% are possible for anyone who has the initiative to go out and get them. That’s 2-4X MORE than GOOGLE, one of the fastest growing stocks IN HISTORY! We’re talking about an investment opportunity where your returns will crush even the top gainers of the stock market. Are you starting to get curious about how these numbers are attainable?

You can beat the stock game by playing a different game, the Foreign Exchange trading game. Also referred to as Forex, the Foreign Exchange market is where one country’s currency is traded for another’s. You can buy €1100 Euros for $1000 US Dollars while the exchange rate is at 1.1 Euros/Dollar. Then you can sell the Euros back to dollars for $1100 (and a nice $100 profit) if the exchange rate moves to 1 Euro/Dollar.

$100 may be nice, but that 1% return on the $1000 doesn’t sound like the path to your 500% returns, does it? Here’s how that 1% gets its power: Leverage. With Forex, if you have $300 in your account, you can control a $10,000 trade. That makes your money a lot more powerful than the $1-$1 control you get in the stock market! If you’re thinking that you can lose more money this way too, just read on, you’ll learn why that won’t happen.

Consider this: The Foreign Exchange market has a DAILY trading volume of around $1.5 trillion dollars. That’s 30 times larger than the combined volume of all U.S. equity markets (that includes the NASDAQ and NYSE). This is an untapped resource, and you’re about to learn five simple steps towards taking your share out of that market and into your pocket.

1. Get Educated!
As with all things, the more you know about trading, the more likely you are to success. A little effort spent learning up front can save you hundreds and thousands of dollars of mistakes later.

2. Have a Strategy!
A simple repeatable system can turn trading into a low-risk mechanical system. Know when you should trade, how often you should trade, how much money to spend per trade, when to cut your losses, and when to take your profits. Push the right buttons at the right times, and you’ll make money.

3. Practice Makes Perfect!
Most Forex brokers will allow you to sign up for a practice account, where you can trade imaginary money until you’ve solidified your winning strategy. Don’t risk your hard-earned cash until you’ve proven that you’ll succeed

4. Scrape Together $300
That’s 2 months of brown-bagging lunch instead of buying it; or a few months of cutting down on the daily coffee-shop visits. If you start now, by the time you’ve learned a strategy and perfected it on your practice account, you’ll be ready with your $300 to start earning real money. More money is always better, but $300 is the minimum you’ll need to get started.

5. Go Out and Succeed!
By the time you get to Step 5, you KNOW you will succeed, and you’ll spring out of bed every day ready to make your profit. Some days you’ll lose a little money, but you won’t worry. Your strategy allows you to lose a little money from time to time; you proved that losing money periodically wasn’t the end of the world when you practiced; you’ll get up tomorrow and make it back by following your proven strategy.

Starting with your $300, if you made “Google Gains”, you’d have $862 in a year. That’s not bad. With Forex gains, though, you could easily turn your $300 into $1500-$3000 in a year! Who need the stock market?!?

Saving the best for last, here’s the shocking truth: The 500-1000% yearly returns are possible, but with a smarter strategy you could turn your $300 into over $10,000 in less than a year without increasing your risks! Best of all, you can do all of this over the Internet without leaving home. That’s 3000% while wearing pajamas. With these kinds of returns, you could realistically quit your job and trade full-time!

If you could use more money if your life (and lets face it, we all can), you owe it to yourself to learn more about Foreign Exchange trading.

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Intelligent Stock Trading

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If you want be a successful penny stock trader, you’ll need to be an intelligent trader. There are very few requirements to start trading in penny stocks. It can be broken down into three main things.

1. Money:

The money we are talking about is not just the money that is sitting in your bank account. It is not the money that you use to pay for your rent, your car or your food. Penny stocks can be extremely unpredictable and although you might make a great deal of money …
Penny Stocks, Penny Stock Trading, Buying Penny Stocks, Penny Stock Investing
If you want be a successful penny stock trader, you’ll need to be an intelligent trader. There are very few requirements to start trading in penny stocks. It can be broken down into three main things.

1. Money:

The money we are talking about is not just the money that is sitting in your bank account. It is not the money that you use to pay for your rent, your car or your food. Penny stocks can be extremely unpredictable and although you might make a great deal of money it is also true that may lose everything, so it is important especially when you are starting out with penny stocks that you only use money that you can afford to lose. After you have built up a nice profit, you can re-invest your profits from past trades which will snowball your earnings.

2. Knowledge:

This is without a doubt the single most important factor in determining whether your budding career as a penny stocks investor will be a spectacular triumph or a dismal failure. If you are a newcomer to investing of any kind there are various guides you can buy and it is a good idea to read several of these before spending any money.

Penny Stocks: The Next American Gold Rush by Dan Holtzclaw
Stock Investing for Dummies by Paul Mladjenovic
The Guide for Penny Stock Investing by Donny Lowy

These are all good and although they will not help you with specific decisions such as whether to buy a particular penny stock, or when to sell, they give you a good background on how it all works and are invaluable in building a good knowledge base.

3. Make A Plan:

Before you investing any money, make an investment plan and stick to it at all times. This will help you become disciplined and will also help you organise your time and investments. Keeping things simple will result in less stress. Your plan should consist of the investments you are going to make and why and how much you are investing in them. It should also include your exit point (the price which you will sell your investment at to take profit) and also the time you want to allocate for your investments each day (i.e. The time it takes to monitor and research them).

Now you have got all the major elements in place you are set for the roller coaster ride that is the world of investing in penny stocks But remember that knowledge is the most powerful tool you have to make your penny stocks successful so start learning today.

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