Power to The Investors!!!

                               

                           

Power to The Investors!!!

Penny Stocks (historically, not as result of a flash crash) and Binary Options are Gambling. Best of luck on ya come up! Let me how well that technical analysis over 1hr works out for ya! I do not educate on gambling.

A Trader is a Trader, but all Investors are Traders. Investors use technical analysis for entry points and we ride the volatility because of the fundamental analysis. An investor will take on Trader qualities when we hedge the volatility with Derivatives, hedge the volatility with Commodities, and hedge the volatility with Forex to increase our return. But never ever shall an Investor ignore the fundamentals for simply a quick come up!

Real World Definition: Joe Flacco may play the lottery, but he is invested in football for the long haul. He is not retiring to wheel system the mega million. He is simply hedging his future against his contract not being fulfilled….

Power to The Investors!!!

There are legitimate opportunities to make extra cash with limited skills…and on your own time to boot.

Why get an after work job in retail or struggle to write freelance articles for pennies per word? There are plenty of legitimate mystery shopping opportunities and legitimate search engine evaluator opportunities that pay a decent amount of change at your convenience. I know a lot of people struggle to find such opportunities or have been a victim of a scam…and I am here to provide you with companies that are on the up-and-up from first-hand experience.  

Mystery Shopping

Go to: http://mspa.jobslinger.com/exec/sfs/jobboard and enter in all the pertinent information to conduct a search. Click on the jobs you find interesting and sign-up with the company. All of the missions listed with MSPA are legitimate. Compensation for assignments vary and landing an assignment is on a first come first serve basis. I would suggest signing up for multiple companies to have to most chances to complete assignments. Also, I suggest creating a separate email or folder from your day-to-day emails to stay organized. MSPA certifications don’t mean much as experience determines if you can land larger assignments…and there are a ton of entry-level assignments. Be sure to check out the main website for MSPA http://www.mysteryshop.org/ to educated your-self on some aspects, but you will ultimately be dealing with the individual mystery shop companies. It takes two months to get paid, but you do get paid! Follow the instruction on each assignment, type in proper English, and meet the deadlines….so you have nothing to worry about.

Assignments entail creating slightly detail narratives of the events and answering relevant questions.  And below are some examples of acceptable narratives that I have received pay and therefore you can get an idea of the requirements.

For a Parking assignment:

“I arrived at _____________ at 11:59am. I attempted to press the gate dispenser for a ticket, but it did not function. Then the booth attendant greeted me and provided me with a ticket. The attendant was a 40ish year old female that had shoulder length black hair, heavy-set, and brown skin.

I drove to the booth at the same place in which I entered the garage at 12:50pm to pay. The same woman I saw upon entering was at the booth. I handed her my ticket, but she could barely read the time because it was faint. The attendant asked me the time I entered for parking and I told her the ticket said 11:59am. The attendant told me the price would be $3; I gave her $10 a received correct change of $7. Then the attendant gave me a receipt and thanked me for parking.”

For a Drive-thru assignment:

"I got to Roy Rogers at 1:49pm. There was neither a message board sign nor a Roy Rogers sign in the parking lot.  The outside was in superb condition....trash dumpster closed, shrubbery was neat, and grass was neat. However, the trash bin near the drive-thru was overflowing.

I entered the line at 1:51pm. There was a car in front of me so I had to wait 38seconds to get to the speaker. The menu was functioning properly and I did not notice any spelling issues. The female that answered the speakers said, “Hi, may I take your order?” I asked for the 3piece chicken strip. The female on the speaker asked if I would like to make it a combo and I agreed and asked for a sprite to drink and fries for the side. The female asked about dessert and I declined. The female on the speaker told me my total was $6.46

Once I got to the window after waiting 3minutes and 15seconds ______ told me my total was $6.46 and I handed her $20. _______ also asked if I would like any dipping sauces and I asked for BBQ. ______ gave me correct change of $13.54. I waited an additional 2mins and 15sec for my food after getting my drink. _______ then handed me the bag with the Roy Rogers logo facing me and thanked me for my patronage.

The food was nice and hot. The chicken was nicely seasoned the fries were hot. The Sprite was mixed properly. I would recommend that Roy Rogers to anyone. “

Some mystery shops agencies pay you through PayPal while others use checks…And here is an                   example of a check:

           

Search Engine Evaluator

Kyle at the penny hoarder sums this position up very well:

http://www.thepennyhoarder.com/how-to-get-paid-12hour-cleaning-up-googles-mess/

 Due to the nature of the job I cannot give further details, but you can definitely make a few extra thousand per year that you can use to get your personal finances in order or use towards investments. And with that extra money head over to the shop so you can gain financial independence for a lifetime!

Picking a Trading Platform is NOT a Random Draw From a Hat.

Once you develop an investment strategy the next step is to choose a trading platform that gives you the best price and best research based on your needs. If you plan to be an active trader the cheapest trade commission/fees may be your best options. However, if you are a passive trader that plans to invest in ETFs for the foreseeable future a trading platform without commission on ETF’s and a trading platform without inactivity fees may be best suited for your needs.

“As much as one online broker might seem much the same as another at the most basic level, even a brief side-by-side comparison illustrates the broad diversity in costs, benefits and requirements.

Some of these services ask for as much as $5,000 minimum to open an account, on rare occasion even more. Others impose no minimum at all, allowing you to dip your toes into the investment market with however much you are comfortable risking.

Usually these brokers will look to recoup the difference in investment size by charging more per trade. Meanwhile, some online brokers are willing to offer you hundreds of free trades as you become accustomed to the interface and the nature of trading.

Some services specialize in entirely different fields - though the focus is usually on equities and direct investment in companies, options, futures and other types of derivatives are a growing field of investment even for comparatively casual traders.

Where you go, and even what you want to look for, will depend entirely upon the strategy you develop for your investments before you even start to really compare online brokers.

You should certainly look at what kinds of options you have available, so that you can use different cost structures and requirements to inform your investment strategy. But choosing a broker before you know how you plan to use their services might leave you with a strategy you aren't actually comfortable with, or a broker that's ill-suited to your strategy.

While it may take some research, investing your time now in comparing brokers will save you grief when you're actually investing money.”

Read more:http://www.nasdaq.com/investing/online-brokers/#ixzz368g7vKYO

I recommend http://www.brokerage-review.com/ as a starting point for online brokerage comparison. Also, it is good to research fees for closing an account and transferring an account just in case you need to switch brokers as your investment strategy changes or you need a different trading platform to better fit your needs.

Rule number two…be aware of the interest rate.

The interest rate can be used to determine entry point and exit point of an investment vehicle dependent upon ones strategy and any applicable derivatives used for hedging purposes.


As interest rates increase so does the rate of return on risk free treasury notes. If the government one day is willing to go from a 2% yield to a 4% yield for a 10yr treasury note it will cause stocks prices to fall until the return on stocks rise well above treasury notes while bond prices fall (limits spending). And the math is fairly simple in the short term as it is: current stock price/rate of return wanted ( a reasonable number above bonds) = new share price. But it is not a sure science as it depends on the level of debt financing entities have incurred as they will lose more money with higher rates on loans. Low debt financing entities can benefit price wise and even dividend paying companies can see benefits when rates rise... as rising rates signifies economic growth for companies not trapped in debt.



Commodities prices have historical changed indirectly proportional to the interest rate while Forex prices change directly proportional to the interest rate. And since historical inflation in the US is about 3.5% when interest rates rise bank products such as CD's become more attractive as they can see rates higher than the average rate of inflation.

R.I.P Financial Planners #NewRules

       

2014 marks the death of the traditional financial planner...




Software developers with the CFP certification, software developers with the backing of a CFP, and software developers in general have created phone applications that manage money in real-time along with analytics. One can link bills, link credit cards, link investments, link retirement funds, links college funds, link banks accounts, etc. to mobile applications in order to monitor a budget and in order to monitor spending habits in real time.





Traditionally, financial planners have not monitored the daily spending activity of clients, but rather suggested strategies to free up cash in areas of clients lives and recommended investment products. Financial Planners work with other professionals such as brokers and insurance agents in order to execute a client’s financial plan. A Financial Planner is simply a middle-man that provides financial ideas in an archaic fashion as the internet allows one to shops investment products without a planner’s bias towards a product they sell, or a planner’s bias toward a product that a friend of theirs sells.




Common sense of spending less than your income and possibly selling assets when above means is the universal truth of financial planning. Self-discipline to not count on future increases of income and self-discipline in spending are the rules to avoid being in the red. One only needs an attorney to assist with things such as estate planning, will in testament, and transfer of assets in a divorce… a tax professional that is aware of the ever-changing laws in order to give you scenarios of tax implications as changes to financial status occur…. and a broker to facilitate the transactions of securities and insurances. The financial Planner is a waste of money.







And in case you think I am making this up as I go along…here are excerpts and links from reputable companies on the duties of a financial planner:


“True financial planners are held to a fiduciary standard, and generally hold the CFP® credential. Often, insurance advisors or wealth managers will position themselves as a financial planner to stir up business they will eventually lead to commissions or assets under management. A financial planner usually describes an advisor who, for an hourly or project based fee, helps their clients develop a written financial plan that they will execute elsewhere. Generally financial planners are not investment experts, and may not give the most comprehensive or competent insight on how to invest. Also, they tend to have limited resources to help you execute a plan.”
Read more: http://www.businessinsider.com/financial-planner-broker-or-wealth-manager-2012-11#ixzz325alNArM


“Basically, financial planners will gather your personal and financial information and use it to make recommendations for your situation. In most cases, you won’t need a financial planner for managing your day-to-day finances.”


Read more: http://www.quickenloans.com/blog/financial-planner#ixzz327I9kXmj








And with that said…..the only types of financial planners that are relevant today and will be relevant in the future are the types with tips to lower cost in various aspects of your life. The new age financial planner can tell you where to find the best grocery store coupons, provide simple DIY household fixes, or teach you how to make homemade soap (no, I did not mean soup...why not soap, lol)….Sound a lot like Grandma, huh?



Bankrupt?….Hustler harder or find a lawyer to help you file the bankruptcy paper work. You probably cannot afford a planner that will charge for advice and the planner will ultimately recommend you to an attorney to complete the legal aspects, which will incur additional fees for you. The financial planner as we known has been eliminated and serves no purpose in our society moving forward. Financial Planners are simply hustlers of people that do not use the internet or hustlers of people that are in panic mode. Sorry…. #NewRules

Yes, I did in fact eliminate financial planners in one blog post….and with that savings of money click on the shop link ( http://www.iceberggem.com/shop.html ) so you can eliminate the Wealth Managers/Financial advisor from digging through your pockets while maintaining returns or possibly improving your returns. You are eliminating a reoccurring fee/commission...and you can also monitor your finances with more care than an advisor that serves lots of clients or an advisor that only gives special attention to those with larger accounts. Oh, and fun fact… even those with the illustrious CFA title that manage your mutual funds cannot consistently beat the market especially once you factor in fees. Some CFAs make tweaks to stock indexes and still charge you significant fees….hahaha, but that’s another story.