What Does It Take To Pick A Great Stock Investment? - To A Regular Joe & Josette

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   What affects our financial system? What gets the markets roaring? 

   With all it's up's & downs, fluctuations, peaks, dips, candles & trends . Why is this market a trend anyway? What happened this day that didn't happen yesterday?

   In piecing together a simple insight into the inner workings of the functionality within our stock market! One can only hypothesize. There are no magic wards, you can't input a formula and out materializes an interpretation. 

   In today's intricate world of business finance, those who study, move, react on a hooch & clues, are the ones who most likely will not only survive but will also end up on the wealthier side of the equation.

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However, that is easier said than done. 

   Wall Street & the financial district is ALL about money. Lots & lots of money! 

   It is estimated that some $2+ trillion passed through this district everyday.  

 Everyday......? Phew!

   Money is power & power is money. And there's nothing easy about getting to it neither. 


   Man has for centuries done every conceivable act, scheme, deed, venture & jobs to get their hands on as much of that dollar dollar bill as they can possibly have. And when they do......they want more. 

   It's out there, money, wealth & riches that for sure. The bigger the payout, the bigger the risk one will take.

 The same with the markets.......

   What is the strategy for your investments? Are you looking for a long term or short term investments? 

   These two channels makes a world of difference.

   Long term, being 10, 15 - 20 years that requires you to sit and be patient. These can be medium to minimal risk. Generally called "Buy & Hold" stocks. These are the seeds you plant now . Then you nourish them through maturity and growth. You are building a passive wealth over time especially in what is called compound interest. Reinvesting your dividends  (profits) back into more shares. 

   Short term goals, couple of weeks to under 3 years. Generally, short term gain offer reasonable yield. These are your bank type saving accounts, CD Certificates of Deposit, money market (index) funds, treasuries or bonds. That are less risky.  Trading stocks in the short term game results in higher taxation issues, profits eaten away through penalties & transaction fees. 

   Even shorter term  investing is available. If you enjoy sitting around in front of a computer all day where the operations  are the same yet trading is done in as little as the same day. 

   Day trading,  buying on the fluctuation of the markets. Buy low then sell high and make a quick profit. A bit riskier of course as mentioned above, idea here is to make a little here & there multiple times throughout the day to make it worth while.

   These are just the tip of  iceberg when it comes to the workings of the stock market for a gain. Still, what are some of the barometer in determining a decent playing field? 

How does one began to get a little dirty in the world of trading?

  To start with, companies you know. Understanding the company or industry is of most importance. When you know something about the industry you are investing in. You can interpret other actions that surround that business. 

Example: 
   Let's say you are investing in the automobile industry.  Because you work as a car salesperson, you are close to the action. You have meeting on the car buying experience, your know when car buying is heaviest and in it's slow periods. 

   Other insight maybe the amount of mechanical issues a particular model might have. You get immediate feedback from consumers on a wide variety of subjects that ordinary people just are not privy to. 

   These bits of information can provide you a general feel on what direction that company is heading . If you know that consumer are not happy with the style or performance you then understand that will have an impact on sales within that company thereby influencing the value of your stock.

   Another indicator, looking at the markets for stocks that have hit a first time all-time high. There might be something going on there. Research to see has there been any improvements that may have a connection to this company. Has there been an sales inquiry or talk of merger.

   
   These are some tell-tale signs to be watchful for. If you are going to do investment for a gain. It is most certainly a safer strategy to go long-term or "buy & hold". This requires you buy your shares and hold on to them for 10, 15 or 20+ years.

   Blue chip companies are great long term prospects. Watch for great book-keeping, solid management, future projects. 

   Which takes us to a crucial element in stock trading. Understanding the companies overall value or it's market (cap) capitalization. What debt has it accumulated or it's (EV) enterprise value.  


EPS + P/E RATIO  

You are hoping for returns (profits from the company shares) it's best to look at your earning per share (EPS) growth. While this is a pretty good indication of the companies profits measurements.

What are the trends? 

   For instance,  tech & energy stocks are doing well these last few months. Pay attention to the trucking industry. Up ticks in the sales of trucks is a slick indicator that businesses are busy. People buying goods is always a great economical indicator.

   Here's a few industries that are poised to do very well over the next few years:

• Sustainable Renewable Energy 
• Artificial Intelligence AI, 
• Deep learning, Machine learning
• Drone Technology 
• Electric automobiles, 
• Solar power
• Cannabis (especially medical marijuana)
• Biotech 

        ........are just a few to name.

In picking stocks, one must think in terms of sub-groups. What are ALL the factors that surround that company?

   See within each of these individual industries are other industries. Supply chain as they are called. Suppliers of the materials in process to the finished product.

  
  In the sustainable renewable energy field, you have solar, wind, turbine, hydro. Artificial intelligence requires chips & processors. 
Drone technology will need visual equipment and landing fields, operators, technicians and businesses that will utilize these drones. Solar power uses panels, installers. 
The medical & recreational cannabis industry will set off an agriculture boom like no other. 

   See where I'm going with this. The companies that supply the raw materials to a popular product, say like smartphones & earbuds etc. Great investment opportunities.

   Using this thought process as a foundation. Along with some other technical indicators which we will tap into as we move forward. Will help influence your confidence in your trade, buying & selling strategies. 

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   Please remember this, my one soul purpose is to post information expressed in as plain & simple to understand terminology. No fancy wording or path to complex that you can't get out there and get a piece of your own company. Build a nest egg and wealth as the wealthy have done continuously for decades. Try not to read to much into the steps. It is a learning process, let it happen. As you learn to crawl, then you learn to walk which will lead to running. 

Life isn't that complicated, we just tend to make it that way!

   There's all kind of money out there floating around. The plan is to get sucked up in that whirl wind and ride it like the riches of the rich. And ALL You have to do is what they do.

Money is not evil.......Humans are their own culprit!

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Currency Evolution: Trades, Exchanges, Money into Blockchain & Beyond

   

   

Wealth creation had to have a start. If we look around, you'll see that physical currency, whether in trades or business cents (sense) has evolved.  

Let's begin..........

   Remember back in school when we would offer a bag of chip for someone else's juice box.......a simple trade right?  An exchange of goods for other goods without the use of currency aka money.  

   Long before money was invented, this transaction for exchanging services or goods called "bartering" were used. A process of trading services and/or goods between two parties without the use of money or physical currencies.

   These goods could be spices, furs, crafts, weapons, livestock, foods and of course, work. If you had a specialized skill that could be use, you might work for room and board. Salt, was a very popular spice and of such value back then, that Roman soldiers were paid with it.

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   Bartering took time though......there was negotiations, knowing who you were negotiating with, different customs and the value of the items to be bartered.  Then there was the fact that what if what you had to offer was not what the other wanted or vise versa. 

Bartering back then....."I have what you need" was the call of the day. 

Example: 

          One trader may have spices & fur, you may need weapon and wheat. So you can see where issues would arise.

Physical currencies or money would speed transactions up. 

   To make it work efficiently there has to be a value tied to this physical currency.... like rubies, gems, silver, gold & diamonds. 

Let's step back a bit.......

   As early as 1100BC items like axes & tools are believed to be used in China. Out of which the first coins were established. Around 600BC King of Lydia (a part of Turkey) established the official currency minted out of silver & gold. Somewhere 1200BCish, China had upgraded to paper currency. Being lighter and compact. 1600AD brought paper currency to the European banks. 

  As the U.S. colonies were themselves establishing their independence, the Massachusetts Colony created their own coins (1652). They also issued the Americans earliest notes (1690). The U.S. first cent was authorized in 1787, made of copper called a "Fugio" cent. President Abraham Lincoln signed the National (Currency) Banking Acts of 1863.

   With markets opening up by banks and ruling governments for which participants from across the globe exploded into international trades.

 

  Banking notes, currency markets and the need to determine comparative values on the many currencies. Brings the 17th century the first active foreign exchange market or forex to Amsterdam.

The evolution of currency did not stop there. 

   21st century trades introduces society to not only digital, mobile payments, but virtual currency as well. 

   Electronic (e) cards……credit, debit & check cards are abundant in our society today. Direct-deposit, online banking and almost every payment (car, house note etc.) you make can be processed online through some form of digital media. Do you really even see your money in hard form anymore?

   Along comes an aspiring technology called "Blockchain". This distributed ledger works ingeniously with the internet. A simple explanation breaks it down as......

   

Make an transaction, that request is expressed through a Peer-2-Peer network called Nodes (a network of computers). Algorithms validate the status & transaction. Once verified whether it records, music, contracts, videos, digital ads or of course cryptocurrency. A new "Block" is created with all transaction for the ledger. This new block is added to the chain and can not be altered. It is permanent. Transaction completed. Data is transparent within the network, making it public. Yet, one would have to override the entire network to corrupt (hack) the data.

   In 2008, a programmer and/or associates noted as "Satoshi Nakamoto" issued a paper outlining "Digital Currency" and in 2009 initiated software that generated cryptocurrency & the first "BITCOIN" network . Bitcoin is not a physical coinage. It is a decentralized authority, no government nor central banker has the power. Where as all other forms of currency are government/bank issued. Bitcoin, a cryptocurrency that is fast becoming a household name.

   For now, understand the difference between virtual, digital & crypto currency.

Virtual Currency ~  Is a type of unregulated, digital money, which is controlled by its developers. Accepted among it's specific virtual community. Say, PS4 gaming format, online game programs where currencies are only of value within that particular game or system. How about those virtual casino games. Those winning can not be use in the real world.

Digital Currency ~ Is a form of virtual currency that is electronically created and stored. For instance, Paypal, Android pay, Apple pay or Visa checkout. All transactions are strictly executed in a digital online format.


Crypto Currency ~ Is a subgroup of digital currency that uses cryptography for security. However, some types of digital currencies are cryptocurrencies. 

      Money ~ Then & Now

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INVESTING 2017 Emerging Tech Sector Offers Unique Wealth Building Opportunities

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   Well, it's definitely a whole new ball game when it comes to making that dollar dollar bill these days. With technology along side this internet........it's not that old money for sure. 

   You know back in the day, "Old Money" was handed down, inherited upper-class families. More likely to be refined, stuck-up, snobbish, well-disciplined, influential yet have a low profile, save & invest their wealth.

   Whereas, "New Money" is newly acquired wealth from the likes of the dotcom era, professional sports or entertainment fame. Called "1st generation wealth". Personalities tend to be more casual, down-to-earth, hip, a bit flashy, socially conscious, spends a little more time openly activist then their older school counter part.

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   Whether you're OLD or NEW money, communities are boosting all types of fresh ways to earn money using today's internet technologies as a means to achieve wealth today. Not to mention digital investments, freelancing, tutoring, graphics, programming, ghost writers, selling things online and if you are a decent writer even blog writing. 

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    Some people get it early on in life. Save for the future. Some people view life a little differently, live your life now tomorrow is not guaranteed. And act accordingly, they spend what they earn. Live paycheck to paycheck, consume beyond they means etc,. While some of us old school, baby boomers were simply taught to go to school, get a job & work hard.....You know the routine. You've heard the saying,  J.O.B. - Just Over Broke

   What's a person to do when we finally get it.......how do we start a journey to prosperity when you are older, maybe close to retirement? How might one boost their current finances expeditiously so as to help support an elderly loved one, travel, live a comfortable retirement or what about that bucket-list? 

   Wealth building can be an extremely complex task requiring not only the cornerstone acclaimed quote "Show Me The Money."  But, demands focus, sacrifices, education & due diligence. 

Yet, it can be done. 

One tool, is to invest. Yes, investments.

Track & Trade Software

   I am not an financial advisor, this is my disclaimer. Please seek professional advice on any information contained hereon as I am providing insight "as is". The entire risk as to the result and performance of the information is assumed by the user. 

   I will say this, as a latter end baby boomer. My working harder for someone else days are nearing their retirement days.  Along side 4 grandchildren and my youngest son a few years in high-school and college behind that. It's time for me to work & earner smarter. I am teaming up with those in the know. This squad of mentors and like minded individuals have one goal in mind.....Wealth building utilizing today's Internet Technology aka Digital Media,  for an normal person's growth.

    Moving forward in what will become the foundation of our quest will be investing and investments.....

   You've heard the term "It takes money to make money."  To invest is as simple as to contribute money into a source in hopes that you make more money later.

   Dictionary meaning - Expend money with the expectation of achieving a profit or material result by putting it into financial schemes, shares, or property.

   Investing can and should be look at as a kind of saving strategy. Only this kind of saving requires a bit more labor. Saving your money in a bank is your basic maneuver. There is absolutely no risk. 

   Simply open up a Saving Account which you usually don't readily have access to, say from an ATM or checking. Interest rate are ridiculously low and any additional service fees will also take a bite out of your low growth.

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   If one has an larger amount of funds to put away, then a higher interest account should be utilized. These accounts are called "High- Yield Saving Accounts".

   When you know that the funds to be saved will NOT  be used for a good period of time. There's an account for that as well called CD's. Stop......no, we are not talking music compact disc of the 90's and early 2000's.  These CD's are Certificates of Deposit. What happens here is, you put your money in the care of the bank for a particular time period. Generally, 6 months and in upwards of 5 years. At the duration of the deposit, referred to as the maturity period. Interest is earned on that deposit.

   Next, we start to get into what are called securities. Due to the complex structure involved in security markets, I will briefly interpret just their essential elements as their pertain to the subject at hand. 

   I wish to clarify my intent here within this and subsequent post. I hope to provide clear, smooth and painless understanding of the many many avenues in our complex financial system. The objective is to take what tactics/strategies that are out there and present them in everyday language. As we become increasingly involved in the varies subject matters surrounding wealth building strategies.........guest blogger, experienced like-minded associates along with feedback interactions will clarify what best works within said capacity.

   Securities are investment option on the saving/investment ladder. In it's essence, you can buy into a companies growth or debt. These negotiable financial products (bonds, stocks & funds) have monetary value.

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   Of these securities.....Mutual funds are a common investment tool used to help build a diversified portfolio. Unlike CDs or standard bank saving account which are insured by the Federal Deposit Insurance Corporation (FDIC). Mutual funds are not insured. Why.......simply because mutual funds are an investment not a deposit.

  We will start off the next installment with Money Market Funds. For now, soak in these simple tactics & research a bit.

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