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Hey folks, let’s talk about a pretty cool connection between investing and your credit score! 💰
So, you’re probably familiar with the idea that your credit score affects things like getting a loan or a credit card, right? But did you know it can also play a role in your investing journey?
Here’s the deal: having a good credit score can actually make investing easier and more affordable. How? Well, let me break it down for you.
First off, having a solid credit score can open up opportunities for better financing options when you’re ready to invest. Whether you're buying property, starting a business, or investing in stocks, having good credit can help you secure loans with lower interest rates. And lower interest rates mean less money you have to pay back in the long run, leaving you with more cash to invest.
Plus, some investment platforms or brokers might take your credit score into account when you’re setting up an account. They might offer you better terms or even lower fees if you’ve got good credit. So, it’s not just about borrowing money; it’s about getting better deals all around.
But here’s the flip side: if your credit score isn’t so hot, it could put a damper on your investing plans. A low score might mean higher interest rates on loans or even getting rejected for financing altogether. And if you’re using credit to invest, those higher rates can eat into your returns big time.
So, what’s the takeaway here? Take care of your credit score! Pay your bills on time, keep your credit card balances low, and avoid opening too many new accounts all at once. Not only will it make life easier when you need to borrow money, but it’ll also set you up for success when you’re ready to dive into the world of investing.
Remember, good financial habits go hand in hand, whether you’re building your credit or building your investment portfolio. 🚀
where i find my postings in past like list of posts,,,, or search box for postings only ??
hello,,,,,, looking for infos for stock charting for free. any good ones you like? thnks.
So i have this inquiry:
If we take a look at the " Trades" at Ihub chart of any stock, the " BUY" and " SELL" Columns are causing a lot of confusion among investors.
They believe that the " BUY" amount of shares on each trade is an actual Investor " buying shares* and the * SELL" amount of shares on each trade is the number of shares that investors is selling, BUT IT'S THE OPPOSITE!!!
If you take a look at each trade when you wanna buy shares on a stock you are placed on the " BID" side on level II; when you wanna sell your shares you are placed on the " ASK" side; so anytime a BID order is FILLED on a single transaction it shows like a SELL and not as a BUY in Ihub Trade Charts; and anytime an ASK order gets FILLED it shows like is a BUY and not a SELL which is " supossed" to be.
So many people thing that the total number of " BUY" shares is actually the amount of shares purchased by people that day WHEN ACTUALLY is the opposite, causing people to have a misguidance on a stock analysis.
Could someone that KNOWS ABOUT IT confirm that?
Does anyone hear know the process for raising capital through an OTC/Pink stock. I have read all of the information on the 'Research' tab located on the OTC website but information relating to how the raising of funds is not on there.
Questions:
1.When a company wishes to join the OTC market how does the initial public offering work? Does the company sell a certain amount of shares at a price to a transfer agent? Does the Transfer agent determine the price to shares ratio (For example sell 100 shares at $1 or 1000 shares at .10c) I know there are not underwriters etc with OTC stocks. If this is the case then how does the second transfer agent obtain shares since it may be necessary in order to create a market.
2. How are additional shares issued (i.e additional funds raised)? Does the CEO simply call the transfer agent and tell them how many shares to sell?
Any information you have would be greatly appreciated but please only people who are knowledgable in the area please respond.
Thanks
Hi All,
I am new for trading can anyone tell me How difficult is it to trade profitably and consistently over the long term?
At first, you should know the value of your own lottery.......if is it not fake? then be patient.....
what are you trying todo?
Does anyone know any boards that I can ask questions about how to fix problems on my computer or do things on my computer.
TIA
john
Spectacular Company: EGOC
Hehe thanks. I have been so busy, forgot about this page, lol. Welcome!
Hello...thought I would check you out.
Think Like Warren Buffet
1. Think of Stocks as a Business
Many investors think of stocks and the stock market in general as nothing more than little pieces of paper being traded back and forth among investors, which might help prevent investors from becoming too emotional over a given position but it doesn't necessarily allow them to make the best possible investment decisions.
That's why Buffett has stated he believes stockholders should think of themselves as "part owners" of the business in which they are investing. By thinking that way, both Hagstrom and Buffett argue that investors will tend to avoid making off-the-cuff investment decisions, and become more focused on the longer term. Furthermore, longer-term "owners" also tend to analyze situations in greater detail and then put a great eal of thought into buy and sell decisions. Hagstrom says this increased thought and analysis tends to lead to improved investment returns. (To read more about Buffett's ideologies, check out Warren Buffett: How He Does It and What Is Warren Buffett's Investing Style?)
2. Increase the Size of Your Investment
While it rarely - if ever - makes sense for investors to "put all of their eggs in one basket," putting all your eggs in too many baskets may not be a good thing either. Buffett contends that over-diversification can hamper returns as much as a lack of diversification. That's why he doesn't invest in mutual funds. It's also why he prefers to make significant investments in just a handful of companies. (To learn more about diversification, read Introduction To Diversification, The Importance Of Diversification and The Dangers Of Over-Diversification.)
Buffett is a firm believer that an investor must first do his or her homework before investing in any security. But after that due diligence process is completed, an investor should feel comfortable enough to dedicate a sizable portion of assets to that stock. They should also feel comfortable in winnowing down their overall investment portfolio to a handful of good companies with excellent growth prospects.
Buffett's stance on taking time to properly allocate your funds is furthered with his comment that it's not just about the best company, but how you feel about the company. If the best business you own presents the least financial risk and has the most favorable long-term prospects, why would you put money into your 20th favorite business rather than add money to the top choices?
3. Reduce Portfolio Turnover
Rapidly trading in and out of stocks can potentially make an individual a lot of money, but according to Buffett this trader is actually hampering his or her investment returns. That's because portfolio turnover increases the amount of taxes that must be paid on capital gains and boosts the total amount of commission dollars that must be paid in a given year.
The "Oracle" contends that what makes sense in business also makes sense in stocks: An investor should ordinarily hold a small piece of an outstanding business with the same tenacity that an owner would exhibit if he owned all of that business.
Investors must think long term. By having that mindset, they can avoid paying huge commission fees and lofty short-term capital gains taxes. They'll also be more apt to ride out any short-term fluctuations in the business, and to ultimately reap the rewards of increased earnings and/or dividends over time.
4. Develop Alternative Benchmarks
While stock prices may be the ultimate barometer of the success or failure of a given investment choice, Buffett does not focus on this metric. Instead, he analyzes and pores over the underlying economics of a given business or group of businesses. If a company is doing what it takes to grow itself on a profitable basis, then the share price will ultimately take care of itself.
Successful investors must look at the companies they own and study their true earnings potential. If the fundamentals are solid and the company is enhancing shareholder value by generating consistent bottom-line growth, the share price, in the long term, should reflect that. (To learn how to judge fundamentals on your own, see What Are Fundamentals?)
5. Learn to Think in Probabilities
Bridge is a card game in which the most successful players are able to judge mathematical probabilities to beat their opponents. Perhaps not surprisingly, Buffett loves and actively plays the game, and he takes the strategies beyond the game into the investing world.
Buffett suggests that investors focus on the economics of the companies they own (in other words the underlying businesses), and then try to weigh the probability that certain events will or will not transpire, much like a Bridge player checking the probabilities of his opponents' hands. He adds that by focusing on the economic aspect of the equation and not the stock price, an investor will be more accurate in his or her ability to judge probability.
Thinking in probabilities has its advantages. For example, an investor that ponders the probability that a company will report a certain rate of earnings growth over a period of five or 10 years is much more apt to ride out short-term fluctuations in the share price. By extension, this means that his investment returns are likely to be superior and that he will also realize fewer transaction and/or capital gains costs.
6. Recognize the Psychological Aspects of Investing
Very simply, this means that individuals must understand that there is a psychological mindset that the successful investor tends to have. More specifically, the successful investor will focus on probabilities and economic issues and let decisions be ruled by rational, as opposed to emotional, thinking.
More than anything, investors' own emotions can be their worst enemy. Buffett contends that the key to overcoming emotions is being able to "retain your belief in the real fundamentals of the business and to not get too concerned about the stock market."
Investors should realize that there is a certain psychological mindset that they should have if they want to be successful and try to implement that mindset. (To learn more about investor behaviors, read Understanding Investor Behavior, When Fear And Greed Take Over and Master Your Trading Mindtraps.)
7. Ignore Market Forecasts
There is an old saying that the Dow "climbs a wall of worry". In other words, in spite of the negativity in the marketplace, and those who perpetually contend that a recession is "just around the corner", the markets have fared quite well over time. Therefore, doomsayers should be ignored.
On the other side of the coin, there are just as many eternal optimists who argue that the stock market is headed perpetually higher. These should be ignored as well.
In all this confusion, Buffett suggests that investors should focus their efforts of isolating and investing in shares that are not currently being accurately valued by the market. The logic here is that as the stock market begins to realize the company's intrinsic value (through higher prices and greater demand), the investor will stand to make a lot of money.
8. Wait for the Fat Pitch
Hagstrom's book uses the model of legendary baseball player Ted Williams as an example of a wise investor. Williams would wait for a specific pitch (in an area of the plate where he knew he had a high probability of making contact with the ball) before swinging. It is said that this discipline enabled Williams to have a higher lifetime batting average than the average player.
Buffett, in the same way, suggests that all investors act as if they owned a lifetime decision card with only 20 investment choice punches in it. The logic is that this should prevent them from making mediocre investment choices and hopefully, by extension, enhance the overall returns of their respective portfolios.
Bottom Line
"The Warren Buffett Portfolio" is a timeless book that offers valuable insight into the psychological mindset of the legendary investor Warren Buffett. Of course, if learning how to invest like Warren Buffett were as easy as reading a book, everyone would be rich! But if you take that time and effort to implement some of Buffett's proven strategies, you could be on your way to better stock selection and greater returns.
Source:
http://www.investopedia.com/articles/stocks/08/buffett-style.asp
No idea I never got the answer back. Thanks for the help though!
What did the answer end up being? $169,500 and $211,000 would be my guesses.
I've been trying for years...... Not happening :(
Anyone know how I can win the lottery?
I would call Etrade just to make sure but I am almost 100% certain that your shares were cancelled and are worthless. Typically you will see that when they replace the Ticker with a string of #'s like that. You can always request Etrade to remove them from your account. I've done it a few times over the years. They will do that and not charge a trade fee and write them off as "Worthless Shares". Hope this helps.
Noob question about my account and LEAR (521865105) stock.
I don't trade much but a few years back i bought stock in Lear and forgot about it. ETrade sent me some papers about bankruptcy out of the blue and when i look at the stock in my account it now shows as (521865105) with a $0.02 value on my shares.
If i look up lear corp they appear to be trading pretty well with the same (521865105) so i am confused on what is going on here.
If i try to look at (521865105) in ETrade it says there is no company information.
Are my shares worthless now? How do i get rid of them if they are?
We have up too, lol.
Sometimes they are best at it :)
I'll have my gf do it, lol.
I must be losing my Math touch. :)
It wasn't 29,250 either, lol. I give up on that one.
Hehe hopefully the other one is right. Thanks for the help.
I knew I'd probably get it wrong :(
I actually tried -45,000 wasn't that, lol. I will try the other one when I get home. If its wrong it would be my 10th time trying, lucky me the teacher put unlimited chances, lol.
Let's ask E*Trade. They would choose a negative reply just like they always do with my account balance.
I have two answers but ten Bucks says they're both wrong. My first would be negative $45k. My second one if that is wrong would be positive $29,250.
I'm holding off for the same reason.
I have my answer but have to hold off posting it so I am not the 1st one to be wrong :)
Another question. Anyone know the answer?
During 2010, Raines Umbrella Corp. had sales of $720,000. Cost of goods sold, administrative and selling expenses, and depreciation expenses were $500,000, $90,000, and $85,000, respectively. In addition, the company had an interest expense of $90,000 and a tax rate of 35 percent. (Ignore any tax loss carryback or carryforward provisions.)
What is its operating cash flow?
I have been trying really hard for last few days to find out how many broking houses are there in India but alas could not find any. Can any one please provide me [url=http://fxadd.com/broker-listing]nse broker list[/url][tag]insert-text-here[/tag] for India then i will be highly grateful. Thanks is advance.
Alternative Health Tip
So, personally, I believe in alternative health, and one of my favorite products is called "Colloidal Silver", This product is a good immune booster, and helps the body boosts its immune.
I used it for a whole year, and only wore a sweater with a T shirt in 30 degree and below weather. I never got sick.
Colloidal silver is found still in medicine today, especially in medications that are used to combat fungus in the body. It also has a very powerful potential when used to kill disease, viruses and other harmful bacteria. Specifically, many people claim that when they take colloidal silver, it helps to improve their immune system's ability to fight against colds and flu viruses.
People often claim to use colloidal silver to soothe burns, repair skin and tissue damage, and to treat scars. Other skin issues that might be helped by colloidal silver include rashes, sties and acne.
Other benefits can be seen below in this video:
#99 is the easy way out though LOL!
I just did the defrag, removed old programbs, and disk cleaned. My computer is a bit smooth.
If I have too, I'll probably end up doing #99 and buying one, lol.
WOW, some very good suggestions there. I'll try a couple. Hope it helps :)
You're making me want to go to the cheesecake factory!
Do you have more information on this? Did you sign anything? Did you know this person?
99 Ways to Make Your Computer Blazingly Fast
1. Defragment your computer hard disk using free tools like SmartDefrag.
2. You should also defragment your Windows pagefile and registry.
3. Clean up hard drive disk space being taken up by temporary files, the recycle bin, hibernation and more. You can also use a tool like TreeSize to determine what is taking up space on your hard drive.
4. Load up Windows faster by using Startup Delayer, a free program that will speed up the boot time of Windows by delaying the startup of programs.
5. Speaking of startup programs, many of them are useless and can be turned off. Use the MSCONFIG utility to disable startup programs.
6. By default, the size of the paging file is controlled by Windows, which can cause defragmentation. Also, the paging file should be on a different hard drive or partition than the boot partition. Read here on the rules for best paging file performance.
7. In Windows XP and Vista, the Windows Search indexing service is turned on for all local hard drives. Turning off indexing is a simple way to increase performance.
8. If you don’t care about all the fancy visual effects in Windows, you can turn them off by going to Performance Options.
9. You can optimize the Windows boot time using a free program called Bootvis from Microsoft.
10. Clean your registry by removing broken shortcuts, missing shared DLLs, invalid paths, invalid installer references and more. Read about the 10 best and free registry cleaners.
11. One of the main reasons why PC’s are slow is because of spyware. There are many programs to remove spyware including Ad-Aware, Giant Antispyware, SUPERAntiSpyware, and more.
12. If you have a deeper spyware infection that is very hard to remove, you can use HijackThis to remove spyware.
13. Remove unwanted pre-installed software (aka junk software) from your new PC using PC Decrapifier.
14. Disable unnecessary Windows services, settings, and programs that slow down your computer.
15. Tweak Windows XP and tweak Windows Vista settings using free programs
16. Disable UAC (User Account Control) in Windows Vista
17. Tweak your mouse settings so that you can copy and paste faster, scroll faster, navigate quickly while browsing and more. Read here to learn how to tweak your mouse.
18. Delete temporary and unused files on your computer using a free program like CCleaner. It can also fix issues with your registry.
19. Delete your Internet browsing history, temporary Internet files, cookies to free up disk space.
20. Clean out the Windows prefetch folder to improve performance.
21. Disable the XP boot logo to speed up Windows boot time.
22. Reduce the number of fonts that your computer has to load up on startup.
23. Force Windows to unload DLLs from memory to free up RAM.
24. Run DOS programs in separate memory spaces for better performance.
25. Turn off system restore only if you regularly backup your Windows machine using third party software.
26. Move or change the location of your My Documents folder so that it is on a separate partition or hard drive.
27. Turn off default disk performance monitors on Windows XP to increase performance.
28. Speed up boot time by disabling unused ports on your Windows machine.
29. Use Process Lasso to speed up your computer by allowing it to make sure that no one process can completely overtake the CPU.
30. Make icons appear faster while browsing in My Computer by disabling search for network files and printers.
31. Speed up browsing of pictures and videos in Windows Vista by disabling the Vista thumbnails cache.
32. Edit the right-click context menu in Windows XP and Vista and remove unnecessary items to increase display speed.
33. Use the Windows Performance Toolkit and the trace logs to speed up Windows boot time.
34. Speed up your Internet browsing by using an external DNS server such as OpenDNS.
35. Improve Vista performance by using ReadyBoost, a new feature whereby Vista can use the free space on your USB drive as a caching mechanism.
36. If you have a slow Internet connection, you can browse web pages faster using a service called Finch, which converts it into simple text.
37. Use Vista Services Optimizer to disable unnecessary services in Vista safely.
38. Also, check out my list of web accelerators, which are programs that try to prefetch and cache the sites you are going to visit.
39. Speed up Mozilla Firefox by tweaking the configuration settings and by installing an add-on called FasterFox.
40. Learn how to build your own computer with the fastest parts and best hardware.
41. Use a program called TeraCopy to speed up file copying in Windows XP and Vista.
42. Disable automatic Last Access Timestamp to speed up Windows XP.
43. Speed up the Start Menu in Vista by hacking the MenuShowDelay key in the registry.
44. Increase the FileSystem memory cache in Vista to utilize a system with a large amount of RAM.
45. Install more RAM if you are running XP with less than 512 MB or Vista with less than 1 GB of RAM.
46. Shut down XP faster by reducing the wait time to kill hung applications.
47. Make sure that you have selected “Adjust for best performance” on the Performance tab in System Properties.
48. If you are reinstalling Windows, make sure that you partition your hard drives correctly to maximize performance.
49. Use Altiris software virtualization to install all of your programs into a virtual layer that does not affect the registry or system files.
50. Create and install virtual machines for free and install junk program, games, etc into the virtual machines instead of the host operating system. Check out Sun openxVM.
51. Do not clear your paging file during shutdown unless it is needed for security purposes. Clearing the paging file slows down shutdown.
52. If your XP or Vista computer is not using NFTS, make sure you convert your FAT disk to the NTFS file system.
53. Update all of your drivers in Windows, including chipset and motherboard drivers to their latest versions.
54. Every once in a while run the built-in Windows Disk Cleanup utility.
55. Enable DMA mode in Windows XP for IDE ATA/ATAPI Controllers in Device Manager.
56. Remove unnecessary or old programs from the Add/Remove dialog of the Control Panel.
57. Use a program click memtest86 or Prime95 to check for bad memory on your PC.
58. Determine your BIOS version and check the manufactures website to see if you need to update your BIOS.
59. Every once in a while, clean your mouse, keyboard and computer fans of dust and other buildup.
60. Replace a slow hard drive with a faster 7200 RPM drive, SATA drive, or SAS drive.
61. Changing from Master/Slave to Cable Select on your hard drive configuration can significantly decrease your boot time.
62. Perform a virus scan on your computer regularly. If you don’t want to install virus protection, use some of the free online virus scanners.
63. Remove extra toolbars from your Windows taskbar and from your Internet browser.
64. Disable the Windows Vista Sidebar if you’re not really using it for anything important. All those gadgets take up memory and processing power.
65. If you have a SATA drive and you’re running Windows Vista, you can speed up your PC by enabling the advanced write caching features.
66. Learn how to use keyboard shortcuts for Windows, Microsoft Word, Outlook, or create your own keyboard shortcuts.
67. Turn off the Aero visual effects in Windows Vista to increase computer performance.
68. If you are technically savvy and don’t mind taking a few risks, you can try to overclock your processor.
69. Speed up the Send To menu in Explorer by typing “sendto” in the Run dialog box and deleting unnecessary items.
70. Make sure to download all the latest Windows Updates, Service Packs, and hot fixes as they “normally” help your computer work better.
71. Make sure that there are no bad sectors or other errors on your hard drive by using the ScanDisk orchkdsk utility.
72. If you are not using some of the hardware on your computer, i.e. floppy drive, CD-ROM drive, USB ports, IR ports, Firewire, etc, then go into your BIOS and disable them so that they do not use any power and do not have to be loaded during boot up.
73. If you have never used the Recent Documents feature in Windows, then disable it completely as a long list can affect PC performance.
74. One basic tweak that can help in performance is to disable error reporting in Windows XP
75. If you don’t care about a pretty interface, you should use the Windows Classic theme under Display Properties.
76. Disable short filenames if you are using NTFS by running the following command: fsutil behavior set disable8dot3 1. It will speed up the file creation process.
77. If you have lots of files in a single folder, it can slow down Explorer. It’s best to create multiple folders and spread out the files between the folders.
78. If you have files that are generally large, you might want to consider increasing the cluster size on NTFS to 16K or even 32K instead of 4K. This will help speed up opening of files.
79. If you have more than one disk in your PC, you can increase performance by moving your paging file to the second drive and formatting the volume using FAT32 instead of NTFS.
80. Turn off unnecessary features in Vista by going to Control Panel, choosing Uninstall a program, and then clicking on Turn Windows features on and off. You can turn off Remote Differential Compression, Tablet PC components, DFS replication service, Windows Fax & Scan, Windows Meeting Space, and lots more.
81. Install a free or commercial anti-virus program to help protect against viruses, etc. Make sure to use an anti-virus program that does not hog up all of your computer resources.
82. Completely uninstall programs and applications using a program like Revo Uninstaller. It will get rid of remnants left behind by normal uninstalls.
83. If you know what you are doing, you can install several hard drives into your machine and set them up in RAID 0, RAID 5, or other RAID configurations.
84. If you are using USB 1.0 ports, upgrade to 2.0. If you have a Firewire port, try to use that instead of a USB port since Firewire is faster than USB right now.
85. Remove the drivers for all old devices that may be hidden in Device Manager that you no longer use.
86. A more extreme option is to choose a faster operating system. If you find Vista to be slow, go with Windows XP. Switching to Mac or Linux is also an option.
87. One of the easiest ways to speed up your PC is to simply reformat it. Of course, you want to backup your data, but it is the best way to get your computer back to peak performance.
88. Speed up Internet browsing in IE by increasing the number of max connections per server in the registry.
89. If you use uTorrent to download torrents, you can increase the download speeds by tweaking the settings.
90. If you have a desktop background, make sure it’s a small and simple bitmap image rather than a fancy picture off the Internet. The best is to find a really small texture and to tile it.
91. For the Virtual Memory setting in Windows (right-click on My Computer, Properties, Advanced, Performance Settings, Advanced, Virtual Memory), make sure the MIN and MAX are both the same number.
92. If you search on Google a lot or Wikipedia, you can do it much faster on Vista by adding them to the Vista Start Menu Instant Search box.
93. If you have a custom built computer or a PC that was previously used, make sure to check the BIOS for optimal settings such as enabled CPU caches, correctly set IDE/SATA data transfer modes, memory timings, etc. You can also enable Fast/Quick boot if you have that option.
94. If you have a SCSI drive, make sure the write cache is enabled. You can do so by opening the properties of the SCSI drive in Windows.
95. If you have a machine with an older network card, make sure to enable the onboard processor for the network card, which will offload tasks from the CPU.
96. If you are using Windows Vista, you can disable the Welcome Center splash screen that always pops up.
97. If you already have anti-spyware software installed, turn off Windows Defender protection.
98. If you are running a 32-bit version of Windows and have 4GB of RAM or more, you can force Windows to see and use all of the RAM by enabling PAE.
99. Buy a new computer!!! ;) Pretty easy eh?
Source:
http://helpdeskgeek.com/windows-xp-tips/99-ways-to-make-your-computer-blazingly-fast/
Hello, I'm new on this board and have a couple of questions. I received stock in a company in exchange for services rendered and wondering what I will receive as proof of ownership and how long does it take to get that proof. I received the email on Feb 28th notifying me of the stocks issued. Thanks.
Yep. That's usually a double layer of red velvet or margarita cheesecake.
$50 a cake! People pay that? :P
The peanut butter & jelly was really good. S'mores was pretty good as well. I usually sell cheesecake for $30-50 depending on the flavor.
Oh man that sounds so good! -- You must have really great talent! -- sounds like it! Maybe one day you will come up with something that hasnt been out yet. :)
Peanut butter & Jelly cheese cake, I never heard of that before! :)
Quite the talent you have. Very nice!
I'll have to chat with him. I don't mind cooking entree type foods but desserts are more fun to me. Entree food was fun in culinary school when I could experiment with free food.
Xander3, you should get acquainted with looking 4 a win who recently joined us on the Newbies board. He's a professional chef and I think he must be a good one. Really nice fellow.
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