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Home > > Low apr 7% apr credit card

Low apr 7% apr credit card

Let's low apr 7% apr credit card talk a minute about the idea of screwing up. How do you handle that? When you buy 500 shares of XYZ and three days later it's down $4, do you kick the cat, yell at the wife and beat the kids?? Or do you suck it up, and move on? It's all about the attitude that you bring to the table folks.

One of the things that people usually don't see in themselves, but that we see all the time is a "poor loser" What do we see? We see a person, upset with himself, possibly embarrassed, and on a mission to "make it back" Therein lies the heart of the matter. That "make it back" mentality gets plastered on their foreheads like a badge. They are going to press, squeeze, over play, etc, to get that money back. Guess what? They'll probably lose more.Some of you have a little support system and we are in total agreement with that idea. If you have a buddy or two that you can call and discuss your trades with, great! Because maybe that friend will point out something you didn't see. Maybe he can talk some sense into you when you are holding something that's falling day by day. Maybe he can keep you from self destructing when you try and make it all up the next day.Personal investing is a lonely, solitary game. It's a hard game. The whole world seems to be against you. At times you'll swear that the market makers know your account number and will adjust prices just enough to stop you out. It can "get" to you. But in all the years we've been playing this game the single biggest problem that we see people making is taking losses personally. Getting mad, hoping their stock will come back instead of moving on. Throwing things, getting nasty, and pressing the next trade to "make up" for it.Folks, you are indeed going to get smacked at times. The best trade on the planet is going to reverse on you sometimes. Silly news blurbs are going to blindside you, trapping you in things you want no part of. It's all part of this game. Kicking the cat, busting your monitor and throwing the chair won't make you a dime. Buying the next stock that bounces up off it's 50 day moving average will. It's easier said than done, but keeping calm and moving on is the single best thing you can do for yourself. Sure you can talk to someone, we encourage it. But inside you have to know that losses will happen and getting upset won't stop them.The very first trade we ever made we lost 500 dollars. We were crushed and figured we were worthless at this. But after a while we realized that none of that mattered. We got trapped in something and let pride continue to tell us that it would come back. It didn't. It taught us a lesson we'll never forget, which is "We can take a lot of small losses" but we can't stand too many big ones. Pain is a good teacher and we learned well. Now, we take my 50 cent, $1 or $2 hit and move on. If we keep playing correctly the $7 gain in ABC, the $14 in ACME, the $2.50 in XYZ, etc, etc, will far outstrip the losers. For the most part, we shrug our shoulders and say "dang it, what did we do wrong?" We find the answer and move on, hopefully wiser.If you have to cut, then cut and run. But DO NOT let that affect the next play. If there is no play in front of low apr 7% apr credit card you, pass. Don't make one up. Don't trade to "make up" the last one, you will lose more. If you get in a spot, figure your best way out and move on. Revenge simply does not work in market land.2

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Maintaining a diverse investment portfolio is a relatively simple way to continue to make investments while taking steps to insure that you're not going to loose everything should certain stocks or sectors of the stock market drop in value. Despite the usefulness of diversification, many people still maintain a very limited number of investments in very similar stocks… often because the stocks are given as part of a stock-option plan from their employer or because the individual simply doesn't know how to take advantage of diversifying their portfolio.

Below you'll find several suggestions for how you can get the most out of your investment experience by diversifying your investment portfolio and making purchases in various sectors to better guard against market fluctuations.

Defining Diversification

Before you begin to diversify your stock portfolio, it's important to make sure that you know what diversity is. At its most basic, diversification is simply the process of buying different types of stocks in order to have a diverse selection of stocks from different sectors of the market and representing different industries. The more industries and market sectors you have represented in your portfolio, the more diverse your investments are and the more secure they can become.

Why You Should Diversify Your Portfolio

There are many reasons to diversify your portfolio, several of which all come down to the same basic point. If you own stocks in a wide variety of industries and market sectors, then you are much less likely to be negatively affected by sudden changes in the value of stocks in specific industries and sectors. While you'll still suffer from the loss of value of those stocks, the stocks that you hold in unaffected sectors or industries will continue to hold their value or possibly even increase in value.

In most cases, the losses that occur in one portion of the market at any given time are merely temporary; whatever caused the dip in value will eventually recover, and the prices of stocks will begin to rise again. Diversification helps to ease the time spent waiting for your stocks to recover, as your other stocks will continue to perform as they always do.

Easy Ways to Diversify

The easiest way to diversify your stock portfolio is to begin making small investments in other stocks each time you make an investment in your chosen stocks. This allows you to continue to buy stock in the companies that you wish to support and that you trust to give you a good return, but you are also able to begin purchasing stocks in unrelated industries or sectors so as to improve the diversification of your portfolio. Making investments in bonds, indexes, and precious metals are also wonderful ways to diversify your portfolio a little at a time.

Diversification with Online Investments

If you utilize an online investment broker, diversification is just as easy as it would be at a physical brokerage. Utilize the online broker's research functions to learn about well-performing stocks in industries other than those that you currently own shares in.

You might also find that your online broker of choice offers easy diversification packages, allowing you to make a lump-sum investment into the package and the broker will divide it evenly among several of the better performing stocks in a variety of industries and sectors as well as several indexes, precious metals, and bond packages.

Combining diversification packages with automatic investment options that are offered by most online brokers is a good way to build a diverse portfolio quickly with minimal research on your part.

You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:

About The Author

Investment Advisors (IAs) come in all different intellectual, professional, and alphabetical varieties. They range in educational qualifications from High School dropout to PhD, and can be professional Accountants, Insurance Salesmen, Stock Brokers, Investment Managers, Dentists, Lawyers, TV personalities, and Gourmet Chefs. Anyone can be an Investment Advisor! It seems reasonable that your trust should gravitate toward those who have educational credentials, hands on experience with their own money, and no direct financial benefit from the advice provided. Stay safer by finding a fee only advisor who has just one profession… and the ability to say NO.

Why do people become Investment Advisors? Call me skeptical, but I don’t think it’s the ethereal glow they feel after implementing your new Financial Plan. Actually (once you appreciate that IAs are the primary delivery system for Wall Street’s huge collection of one-size-fits-all products), you’ll realize that it’s the money. No conspiracy here, just a subtle brainwashing that has convinced you that the Advisor’s primary objective is to protect your family. In reality, the primary goal of commissioned advisors is to protect their own families, and they accomplish this by selling Investment Products. The Investment Advisor label has become a euphemism for product salesperson just as Financial Planner nearly always means Insurance salesperson. Stay safer by finding a fee only advisor who has just one profession… and the ability to say NO.

Serious IAs can be identified by acronyms following their names (also by dark three piece suits and facial hair), RIA and CFP being the most common. As professional as this seems, designations do not create trustworthiness, for several reasons: IAs must become RIAs to be licensed to sell investment products. Most practitioners affiliate themselves with major Wall Street Institutions to defray their start up costs and many are subsidized in return for pushing their sponsor’s products. Finally, most advisors will remain in bed with one company at a time throughout their careers, constantly touting the present firm’s products as “best”. Hmmm. Hundreds of companies, thousands of IAs, convincing millions of shoppers (investors) that they have just purchased the one very best product to achieve their financial goals. From cradle to grave, most IAs dance to a tune that’s not being played by their clients.

Over the past several years, Wall Street has managed to invade the once respected Insurance Industry by attaching Mutual Funds to life insurance and annuity products, making them far too speculative to achieve their once guaranteed objectives. But the “variable products” scam dwarfs in potential long-term impact to the more recent high crime against investors. This is the one that ignores the (in-your-face-obvious) Conflict of Interest when Accountants sell investment products! Many professionals have multiple degrees; few have multiple practices. You deserve a specialist. If your CPA/Lawyer/Doctor (who’s next) can make a living in his primary practice, why sell investment products? Greed? Hubris? And why does Wall Street allow these non-professionals to push investment products? Don’t be naďve, the more people out there pushing Investment Products, the bigger the bonus for the Masters of the Universe. Stay safer by finding a fee only advisor who has just one profession… and the ability to say NO.

In spite of the fact that the “burn out” rate among IAs compares with that of restaurants and Mutual Fund Managers, and that the advisory business itself is a cut-throat, competitive battlefield, the Financial Institutions that employ the majority of IAs prosper, multiply, and produce more product for your “eyes wide shut” consumption… because you, your products, and the management fees remain! A caring and successful Investment Advisor makes an excellent income and should; a successful financial institution buys other financial institutions!

The hierarchy of commissions paid to IAs can exceed 10% on “private deals”, limited partnerships, and a litany of speculative products and services. On the more controlled substances (sic), Annuity commissions can run above 8% with 10-year lock up provisions common and Mutual Funds provide a generous 4% to 6% whether you see them or not. New issues, odd lot Bonds, and other securities that don’t show a commission, include marketing fees and mark ups that can be substantial. What ever happened to individual Equity portfolios? It’s a combination of in-greed-ients… products are less work and produce more money. Stay safer by finding a fee only advisor who has just one profession, the ability to say NO, and who knows something about individual securities.

Most people need Investment Advisors. Life Insurance protection is vital; fixed annuities are helpful for people of limited means; Mutual Funds are the only option (pity) in most self-directed retirement plans. The vast majority of employed Americans are Investors, actively or passively, with little time or expertise to select securities and manage portfolios. (If the Democrats would accept this, they just might win an election.) But recent experience confirms that we all have a responsibility to our own money, a responsibility that we should only delegate to a professional if we know what the professional is supposed to know. The fact that he or she is an XYZ Fund representative just isn’t enough. You need an independent advisor that has ideas rather than products and an understanding of markets, not marketing. If you are willing to ask the right questions, you can find an IA who might just be able to help you (and herself) at the same time. Try these for starters: Do you sell any products? Do you have a personal portfolio that I can review? Do you provide a “fee only” advisory service? How long have you been in the financial services business, and is it your only business? (It’s not your job to educate “newbies”!) Are you affiliated with any other financial services companies? Do you have at least five non-family clients who you have been advising for at least five years… that I can contact directly? Will you be compensated for referring me to someone? Stay safer by finding a fee only advisor who has just one profession and the ability to say NO.

The ability to say NO? An advisor will tell you not to do something that he feels is inappropriate… a salesman will do what you tell him to do.

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