Stock Investing Made Better

STOCKS

2010-11-04T13:09:00.000-07:00

Everyone is happy about Stocks. I have also been pleased. Taking some PROFITS each day as it
goes up.. However we do have a JOBS number coming out tomorrow Friday. Also if you Look at
charts the QQQQ's or nasdaq WE have a GAP AWAY or Exhaustion Gap. TAKE PROFITS OR BUY
QQQQ PUT OPTIONS.

THIS IS A SHORT TERM TRADE, AND THEN GO LONG AGAIN.

CREDIT UNIONS VS BANKS

2010-04-03T07:02:00.001-07:00

Everyone needs a place to store their money, and unless you plan on keeping it under your mattress or in the cookie jar, you’ll need to have an account with either a bank or a credit union. Aside from providing a safe place to store your assets, financial institutions also provide other benefits, such as a place to cash your checks, obtain money orders and wire funds.

A popular misconception is that a bank is the same thing as a credit union, but in reality, they are as different as night and day. Choosing between a bank and a credit union should reflect your own personal self interest, and should be decided after examining your particular financial situation.

Banks are the most popular financial institutions. Most are run by a group of investors who have a large amount of capital, which goes into the funding for the bank. Some are nationwide – such as Chase Bank or Wells Fargo – while others are smaller, local institutions. Either way, a bank’s primary purpose is to make money for the investors and for the stock holders.

Banks are federally insured by the Federal Deposit Insurance Corporation. A paid Board of Directors makes all of the decisions for the bank, which are usually profit-driven and hold little benefit for the customers of the bank. Anyone, in any city or state, can open an account with a bank, and customers hold no voting privileges or decision-making power within the institution.

Credit unions, on the other hand, are designed to serve a particular group or neighborhood. People who use credit unions for their financial services are members of the credit union, rather than customers. Since credit unions are not-for-profit organizations, the profits incurred by the credit union directly benefit the members after covering overhead costs.

Credit unions are insured by the National Credit Union Administration, and are democratically controlled by the members. This means that members have more say in how the credit union is run, and hold decision-making power. Members elect a Board of Directors – rather than hiring one – who are chosen to fully represent the members in making decisions and upholding policies.

Many people choose credit unions over banks because the former allows for lower interest rates and low-cost services. They like the fact that they are treated as a benefit to the institution, rather than “just another account number”. The more members who deposit money into a credit union, the higher the benefits to the existing members. Credit unions are also tax-exempt.

In the past, credit unions have offered a limited range of resources, which included only low-interest loans and savings accounts. They have recently begun to expand their services to include checking accounts, IRA’s and credit cards. Some have also begun to diversify in the types of loans that they offer. Many credit unions worldwide offer student loans, small business loans and mortgages.

Banks, however, do offer a wider range of services, and are often more accessible to customers. For example, if you have an account with a branch of Wells Fargo in Texas, you can access that same account at branches and ATM’s in Michigan. This makes travel easier for many people.

Many companies – from small businesses to large corporations – have “adopted” credit unions as their source for maintaining IRA’s and pensions for employees. This is universally beneficial because it makes the company’s job much simpler, rather than having to deal with multiple institutions, and the employees are not only members of the credit union, but also owners, as all members of credit unions own a small share of the institution.

If you have a bank account a traditional bank and an IRA account with a credit union, you might be enjoying the best of both worlds. You can obtain the benefits of the credit union while still retaining access to the diversity of your bank.

Since credit union members usually have higher interest rates on savings accounts, you might also want to open a savings account with your credit union, while leaving your checking account with a traditional bank. Most credit unions offer ATM cards along with savings account for member convenience.

A current trend among banks, which is sending more people to credit unions, lies in the charging of monthly fees. For example, if you have a checking account with Bank of America, you will be charged a monthly maintenance fee unless you have direct deposit from your employer or maintain a specified balance.

With a credit union, this isn’t an issue. Since credit unions aren’t in the business of making money as not-for-profit organizations, they don’t charge the high fees and finance charges of traditional banks.

To find information about credit unions in your area, go to your local phone directory. Locate credit unions that are close to your home, and visit to learn more. Financial decisions should be based upon informed research of all options, and you might find that a credit union could be saving you money.

Likewise, if you know that you will be needing a monetary loan in the next several months, you might want to look into opening an account with a credit union. It will be easier to secure a loan if you are already a member, and the interest payments will be significantly lower than with a traditional banking center.

Whichever you choose – a bank or a credit union – make smart decisions with your money and be sure that you’re getting the most out of your banking institution.

SELL STOCKS

2010-01-25T11:39:00.000-08:00

LOOK AT THE CHARTS , THEY ARE ALL SAYING SALE SHORT. SALE ,SALE.

THE MARKET HAS BEEN GOING UP FOR 10 MONTHS, TIME FOR A 10% CORRECTION

GO SHORT QQQQ OR SPY AS THE MARKET RECOVERS FROM LAST WEEKS BIG,BIG,

SIDE.

I WENT SHORT THE 46 PUT ON THE QQQQs @ $1.85. YOU WELL MAKE MONEY GO SHORT

RED FLAGS, ON STOCKS. THE ONLY BUY. BUY, IS THE DOLLAR.

THE MARKETS ARE UNDER THEIR 50 DAY AVERAGES NO SUPPORT UNTIL THE 200

DAY AVERAGES LOOK @ APPLE THE BEST STOCK NOT LOOKING GOOD.

THE DOW WENT UP 4000 POINTS FROM MARCH OF 2009, WHY NOT GO DOWN @

LEAST 2000, POINTS FROM DOW 10,700.

Gold Could Hit $1,400 This Year

2009-11-28T08:24:00.000-08:00

The gold rally is far from over and the price of the precious metal could hit $1,400 per troy ounce by the end of the year and keep rising from there, James Turk, chairman and founder of GoldMoney, told CNBC.

"In this current run I think you're going to see 1,200 to 1,400 (dollars per troy ounce) by the end of this year, and next year I think it's going to continue," Turk said.

Investors are moving out of paper gold and into physical gold due to increased risk aversion and that's what's been driving the price higher over recent months, Turk said.

BUY GLD @ $113.25 or buy Call Options or GOLD @ $82.50 NOW

The slump in equities continues today as further details of Dubai World’s debt burden come to the fore; dragging risk sentiment lower across asset classes. Asian indices are down 3-5% across the board ...

Asians indices are down 3_5%across the board and US equity futures point to an equally unsavoury open after yesterday's public holiday.

STOCKS OVER EXTENDED

2009-09-17T18:33:00.000-07:00

Friday is the expiration of OPTIONS, take a short position before the end of the Day. I can not
fine anything to buy, everything has went up to much.

The Banking stocks are a OK buy.

STOCKS to buy on a pull back.

GOLD STOCKS
GE
APPLE
UNG
FORD

Ford close under its 50 day moving avg @ $ 6.92 on heavy volume for to days in a row.
Sell Short for move to $ 6.00 or Buy put options.

Sell short the QQQQs before close especially on another rally.

CITGROUP ( C ) UPDATE

2009-08-25T11:20:00.000-07:00

What did i say? This stock hit first the target of $ 5.00 per share. I am looking for a new BUY point at the following:

For the 7 day moving average it Would be great if we could get back in @ $4.48. For the
13 day get in @ $4.20, 21 day avg @ $ 3.80. As a example you can buy a $5.00 Jan 2010 call opton for $750.00/100 shares.

Next target to look at is $6.50 With the highest target coming in at @ 7.50 PER SHARE.

UNG

2009-08-20T14:29:00.000-07:00

YOU SHOULD BE OUT OF UNG @ $11.80 0N A STOP. TOO MUCH SUPPY PRICES COULD GO MUCH
LOWER.

CITIGROUP (C) COULD GO MUCH HIGHER, JUST STARTING TO BREAK OUT. BUY $5.00 DOLLAR CALL OPTIONS. I WAS POSITIVE ON THIS STOCK BEFORE CRAMER WAS @ $3.44 WE ARE NOW ONE DOLLAR HIGHER NOW.

8/05/09 STOCKS

2009-08-05T11:44:00.000-07:00

THE BANK STOCKS ARE VERY HOT BUY BUY BUY CITGROUP (c). I BOUGHT SOME HERE @3.44 A SHARE.

LOOKS LIKE ANOTHER FORD STOCK FIRST STOP @ $4.50 AND THEN $ 7.50, CHECK OUT THE CHARTS.

STOCKS

2009-07-28T04:51:00.000-07:00

WE HAVE A GAP ON THE CHARTS ON FORD (F) @ $6.56 THE STOCK SHOULD GO STRAIGHT UP T0
$8.00 AFTER A VERY GOOD EARNINGS REPORT PLUS THE TRADE IN FOR CLUNKERS BILL, THAT
SHOULD GO VERY FAST IF PEOPLE ARE PAYING ATTENTION. I KNOW I WELL BUYING A NEW
CAR YOU CANT LOSE. IF YOU HAVE A PROBLEM VEHICLE.

AIRTRAN AIRLINES (aai) IS STILL A BUY @6.50 A SHARE WITH NEW HIGHS TO COME @9.00 A
SHARE BECAUSE THE ECONOMY IS RECOVERING.

07/06/09 INVESTING FOR PROFITS

2009-07-06T11:27:00.000-07:00

Now is the time to buy Alcoa (AA) $9.10.

I also suggest that you buy (UNG) at $12.39 or lower, I took a small position and will continue to add to my position as the stock goes lower. EVERYONE HATES THIS ONE,

Looking at the airline stocks, I like Airtran (AAI) which is the best performing airline stock This past year.

Regarding banking stocks, I like Bank of America which is moving toward the 50 day moving average, around $11.70.

HOWEVER FOR THE SHORT RUN I DO SEE 7500 ON THE DOW. BUY BUY BUY