The Difference Between Trading and Investing

Posted on April 14, 2008 - Filed Under Investing | Leave a Comment

You have to know that investing and trading are not the same thing. The returns that you are looking for, the amount of time that it will take in order to get those returns, the risk that you are willing to take, and the commitment you must make to manage your investments will determine the strategy whether you should trade or invest.

Investing

Investing is holding onto an asset for a long time period in order for the expectation that the asset will increase in value over time. The best example is the investment in equity mutual funds in a retirement plan. Most of these types of funds are held onto for several years and then are expected to have a significant appreciation over those years.

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It is Vital You Have a Smart Strategy for Investing

Posted on April 14, 2008 - Filed Under Investing | Leave a Comment

An intelligent man once said that investing is much like a game in that you never know what will happen until it is over and there is a winner. For any game you need a strategy to be successful. Without a strategy it will be difficult to be victorious. This goes for investing as well since investing is not guaranteed and you need a smart investing strategy in order to make money. Just being involved in investing is not enough, as it is very important that you plan ahead and be prepared beforehand. This is where a smart investing strategy comes into play.

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Two Ways to Hedge the Falling U.S. Dollar

Posted on April 12, 2008 - Filed Under Money | Leave a Comment

As the Dollar gets weaker day-by-day smart investors need to do something in order to hedge their exposure to the falling US currency. You should not dump all of your stocks and buy up gold but the trend of the falling dollar is one that you should not ignore.

There are a couple of simple ways that you can hedge the falling Dollar.

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Avoid Common Beginner Investing Mistakes

Posted on April 10, 2008 - Filed Under Commentary | 1 Comment

Just like with a beginner with anything, as a beginning investor there is a good chance that you will make some mistakes. But, with investing big mistakes can cost you a lot of money. Because of this it is imperative that you avoid a couple of investing mistakes so that you can be an investor that is not only successful, but also more importantly profitable.

A lot of beginning investors make the mistake of taking the wrong time to invest. Another mistake is that they will put off investing until it is too late. To be profitable when investing you have to take advantage of the opportunities made available to you. Basically you have to make the money you have work for you.

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5 Stocks to Buy Today

Posted on April 10, 2008 - Filed Under Stocks | Leave a Comment

Money Magazine had an interesting feature recently where they identified five blue chip stocks to buy today. Unfortunately, Money does not say what they based there decision on, other than he best way to boost your long-term returns is to buy stocks when prices are cheap. How is that for research?

Anyway, the five stocks they identified are:

3M
Ticker: MMM
Share price: $ 79.59
P/E ratio: 14.24
Its products are diverse, and 3M gets almost two-thirds of its sales internationally. Earnings are projected to grow 10% in 2008 and to average 11% annually over the next five years. And dividends have been rock-solid for half a century (current yield: 2.6%).

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7 Simple Things You Can Do To Improve Your Credit Score

Posted on April 8, 2008 - Filed Under Credit | 2 Comments

If you have a good credit score there are many more financial options available to you. No matter what your credit score is there are simple things that you can do to improve it. You have to be aware that improving your credit score is not quick fix and it does take time, but if you have a little patience and perseverance you can get a good credit score.

Here are 7 simple things you can do to improve your credit score.

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With Credit Card Offers and Applications Read the Fine Print

Posted on April 4, 2008 - Filed Under Credit Cards | 1 Comment

When people look over credit card applications many do not take the time to read the fine print. However the fine print is important to read, as it contains very important information. Credit card companies know that people do not read the fine print, which can boost the bottom line of the companies. There are some things you should look for when reading the fine print of credit card application. Here are some of the things you should look out for.

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Eight Foreign Stocks To Buy

Posted on April 1, 2008 - Filed Under Investing, Stocks | Leave a Comment

Fortune has an interesting section on 40 stocks to retire on. Fortune focused on companies whose shares appear cheapest relative to their long-term growth prospects. They combed through SEC filings, scoured analyst reports, and grilled large shareholders. They also favored stocks that are also owned by fund managers with demonstrated records of success. As a result their picks are large companies that all trade on the NYSE.

Company (Ticker symbol)	Current price	52-wk high	52-wk low	P/E ratio	Div Yield	Earnings growth
Diageo (DEO)	$84.79	$93.12	$73.39	23.4	2.9%	11%
Novartis (NVS)	$51.37	$59.17	$46.64	17.5	1.7%	12%

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