Archive for April, 2007

Investing through dollar based methods …

I Got this information from one of the brokers that I deal with in the stock market and I think most of us can related to this .. one way or another

Dollar-based investing means buying stocks or other investments in a dollar amount you choose, instead of in multiples of the stock price. Let’s say you decide to invest $50 or $200 a month; your investment doesn’t normally buy an exact whole number of shares. It’s a great idea for the ordinary investor who wants to put away consistent amounts for the long term.

In the real world — Suppose you decide to save $50 a month, every month, and you want to put those savings directly into the stock market. Global Widget is a solid company, with good management and a great record of consistent growth — it looks like an excellent long-term investment. But… The problem’s obvious. You can’t buy into it at all, because (at a current price of $126.99 per share) even a single share will set you back more than double your monthly saving. Sure, you could save up for ten weeks, and then buy one share. But that’s not a practical idea. First, you’ll have to keep the money somewhere as you save it, and it won’t be growing much either under the mattress or in your checking account.

A dollar based share account is designed to let you do just that… and more. If you set your account to buy only one stock — Global Widget — your monthly $50 (or whatever) buys just that company. If you also want to invest in MiracleDrug, PrettyNiceCompany, and BigBank, then the money is automatically split between the four stocks. Maybe this month your $50 will buy a tenth of a share in Global Widget, three eighths of a share in MiracleDrug, and five sixty-fourths of a share each in PrettyNiceCompany and BigBank. The details don’t matter, what matters is that you were able to invest the dollar amount that you chose, on a regular schedule, in the companies you believe in .

dollar cost averaging is another area related to dollar based investing ….All investing involves risks, and investing in the stock market may seem especially risky because stocks can exhibit great volatility. Even professional brokers and analysts find timing the market extremely difficult — and these are people with advanced financial degrees, whose full-time job is to keep tabs on the market.

So it turns out that a far wiser strategy, for the majority of investors, may be to treat investing in the stock market exactly like a savings account — or a piggy bank. You decide on an amount (let’s say $200) that you can afford to deposit every week or month. You add that much to your investment at the predetermined interval, regardless of the current price of the stocks.

The result is dollar-cost averaging. If a stock rises and falls, you’ll sometimes be “buying high” and sometimes “buying low,” relative to a stock’s long-term performance. But it also means that you keep adding to your portfolio in a consistent manner. You don’t focus on crests and troughs. You avoid both the temptation to play the market and the risks involved in getting it wrong.
Getting the best out of the stock market doesn’t just mean choosing good stocks. You also need to ensure that, on average, your money does as well as those investments do. Hence dollar-cost averaging A.KA choosing an amount to invest, investing that amount regularly, and not overreacting to the day-to-day stock price is a big step in a sensible direction.
The stock market comes with absolutely no guarantees. It’s reasonable to expect that investing in solid, “blue-chip” companies expose you to less risk than investing in an untried start-up that may (or may not) be the next decade’s Microsoft. As we have seen, even the established Microsofts of the world are not immune to a chill financial wind.

Dollar-cost averaging is a technical term only economists could love, but it conceals a very simple, very good idea. There’s relatively strong historical evidence that good-quality stocks are a rising tide in the long run. On the other hand, big waves can blow up out of nowhere — and about the worst thing you can do in a heavy sea is try your hand at surfing the crests.

READ ON ….http://www.sharebuider.com/

OK ok … HERE COMES THE DISCLAIMER !!…

*Past performance is not a guarantee of future returns.

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Random thoughts on Dallas Mavericks.. @half Time

so the small general (AJ )rested our three top contributors to the maverick wins i.e Dirk Josh howard and Stackhouse out of the lineup against warriors huh ? I checked hukos on the roaster and it shows. Nowitzki and Stackhouse wereon bench while Howard wasn’t expected to show for the game then tena our ka major Center dampier who’s nursing a strained right shoulder, also was sidelined.
Coach’s decision to rest two All-Stars and his top reserve greatly improved the Warriors’ chances for their fifth straight victory over Dallas. It also helped Golden State’s hopes of clinching a playoff spot and a probable first-round rematch with the Mavericks mmmmhmm TRICKY!

From how it looks ,Johnson’s decision showed the Mavericks obviously aren’t shaking with fear over a potential playoff meeting with the Warriors, who have been among the few NBA clubs with consistent success against Dallas over the last few years.

PLAYOFFFS TUNAKUJA KUWAKILISHA ….

Aftermath of VT killings


let me revisit the Virginia Tech Tragedy , This whole situation is really messed up to say the least. And yes, the school dropped the ball on this one. However, I hear and read about everyone (not including people who were directly affected by this tragedy) so sad and upset…But are we really? Yes we are shocked but how many of us a week from now, will pay any more attention to this or still be concerned? We need to seriously take more responsibility for one anothers well being. If you see someone obviously has mental issues and is troubled, make it your personal mission to do all you can. Whether that is telling a teacher or a counselor or whatever.

Lets prevent theses things from happening, not act after they happen one BIG problem is the way guns are “handed out” to people like Cho. True he didn’t have any criminal background.. but so is the case with the other psychos and shooters out there! almost none of them have any priors before they snap.. My biggest complaint is with the system that makes it so easy for just about anybody to get hold of a gun..now here is a thought..

1-Every individual who wishes to posses a gun should get a certificate from a government psychiatrist who endorses the stable mental condition of the individual

2- The local police should inquire about the individuals behavior at the place where he moves around.. say a school or work place.. I don’t think it is entirely unreasonable to get this..

I’m also tired of news channels blaming the wrong things, such as watching too much movies, media, or games that show voilence. In fact, lets look much deeper. This kid was troubled, I would assume to a level where I would not understand. If anything people should have not have preconcieved notions about him. This kid probably was a loner who needed people who cared about him ( that’s all people probably want in life). People were probably making fun of him because he was weird when all he needed was people who cared. Although they were nice to him they probably thought he was weird (a monster) as they said in the blog and would not actually associate with him. If people tink that way they can maybe create a monster. Anyways I just think he had bigger issues then that, but that may have been the cause (which is not just at all). I feel for the families and the students who suffered from this tragedy. Maybe we can learn from this. …

Trivia …….

I canT help but wonder ….The gunman’s action (killing 32 people) is being covered by the media non-stop two days in a row now… A suicide bomber in Iraq killed 64 women & children and the incident was covered by the media in mere seconds, short of a footnote… and no head of state visited the marketplace where it happened… What is that?

Rugby

My friend and I were reminiscing on the good old days when Rugby – especially in high school mean’t something. The John Andrews at changez, Blackrock at Saints, Prescott cup championship… We agreed that RVA and ISK were one of the most techinically accomplished teams; Mean Maroon and Patch machine the most talented; and Saints… well, old but one of the best.If you were lucky, then you probably saw Ligale, Luvai, Mbarine, Alloyce, Nduro, Lemmy Mwaura, Shpare, Tutu, Magwa,

I tend to think those were the golden years of rugby… a gone era. Geeze, nothing was more exciting than a rugby game / tournament. Then who recalls the famed Mean Machine cheering squad led by Arigi?The feel good feeling was tampered by Kanyi’s death (R.I.P) which was a big shocker to everyone. Time really flies and days gone seem to change too fast to ages past. However, some memories stay fresh and can still be recalled like yesterday and linger with us for the rest of our lives.

As for us guys in State side . we are truly are missing out on excellent rugby in jamhuri from the -Tri-Nations ,enterprise Cup ,Supa 14, IRB Sevens, Safari Sevens !! For the rugby lovers out here , just note that Stato is NOT doing us favors we only get ONE leg of the IRB Sevens …

DAMN I miss the nondies -impala Rivary of the late 90-s through early 00’s

Virginia Tech rampage


Seriously bana What causes people to go on murderous rampages? Sexual jealousy, revenge, a lust for terrorizing, psychosis — God only knows the depth of depravity in the human soul.

Can you imagine the guy pictured was The murderer was a 23-year-old native of South Korea named Cho Seung-Hui. ????

It’s too early to say what happened with any certainty. Obviously, it’s a horrific incident. A lot of the people in the media are asking for the VT President and police chief to resign. I’m leaning in that direction myself. What was the reason for not locking down the campus? It’s not like this is the first time there was an on-campus shooting at that school as far as CNN goes …!!!

maze wananchi ,It just seems like there was no set process to deal with this scenario yesterday. If I were a VT parent, I would be beside myself. When a school accepts your kid, they’re also accepting resposibilty for his or her safety. Is it possible that in the wake of Columbine and 9/11, VT Police had no procedures in place? The press conference with the president and police official didn’t fill me with confidence

I was Suprised to see armored vest wearing, assault rifle toting, police standing around while gunshots were being fired. Didn’t they realize that hundreds of uanarmed civilians were in harms way? It seems to me the situation called for the police to breach the building as quickly as possible, as many ways as possible, with overwhelming force to stop the shooting.

Let us observe a minute of silence in solidarity with our fallen comrades because been a student this could happen to us any given day

Meanwhile closer back home Our school of engineering showed some sympathy with this email to all engineering students …..its sad becuase it could happpen to any school …kwanza for us in engineering it hit closer home becuase 80% of my classmates are of asian origin

To: exec@naesc.orgSubject: Moment of Silence for the Students of Virginia
Tech
To the Nation’s Engineering Schools,

The National
Association of Engineering Student Councils (NAESC) would like to encourage each
engineering school across the nation to take a moment of silence at 5pm on April
17th, in memory of those tragically killed in today’s shootings and with united
support for the Virginia Tech community.

This event has undoubtedly stunned us all. However, few universities world-wide could prove immunity to such a catastrophe. It is imperative that every school address this incident to prevent triggering a wave of events and attention-seekers.

Our hearts, thoughts, and prayers are extended to the friends and families of those
affected by today’s incident. We encourage each and every one of you to
also keep all of these people in your thoughts and prayers.

Thank you for your continued support,

The NAESC Executive
Board

Aric Reutlinger
• President–National Association of
Engineering Student Councils Inc.
https://owa.uta.edu/exchweb/bin/redir.asp?URL=http://www.naesc.org
aric.reutlinger@asu.edu

Aftermath of VT killings


let me revisit the Virginia Tech Tragedy , This whole situation is really messed up to say the least. And yes, the school dropped the ball on this one. However, I hear and read about everyone (not including people who were directly affected by this tragedy) so sad and upset…But are we really? Yes we are shocked but how many of us a week from now, will pay any more attention to this or still be concerned? We need to seriously take more responsibility for one anothers well being. If you see someone obviously has mental issues and is troubled, make it your personal mission to do all you can. Whether that is telling a teacher or a counselor or whatever.

Lets prevent theses things from happening, not act after they happen one BIG problem is the way guns are “handed out” to people like Cho. True he didn’t have any criminal background.. but so is the case with the other psychos and shooters out there! almost none of them have any priors before they snap.. My biggest complaint is with the system that makes it so easy for just about anybody to get hold of a gun..now here is a thought..

1-Every individual who wishes to posses a gun should get a certificate from a government psychiatrist who endorses the stable mental condition of the individual

2- The local police should inquire about the individuals behavior at the place where he moves around.. say a school or work place.. I don’t think it is entirely unreasonable to get this..

I’m also tired of news channels blaming the wrong things, such as watching too much movies, media, or games that show voilence. In fact, lets look much deeper. This kid was troubled, I would assume to a level where I would not understand. If anything people should have not have preconcieved notions about him. This kid probably was a loner who needed people who cared about him ( that’s all people probably want in life). People were probably making fun of him because he was weird when all he needed was people who cared. Although they were nice to him they probably thought he was weird (a monster) as they said in the blog and would not actually associate with him. If people tink that way they can maybe create a monster. Anyways I just think he had bigger issues then that, but that may have been the cause (which is not just at all). I feel for the families and the students who suffered from this tragedy. Maybe we can learn from this. …

Trivia …….

I canT help but wonder ….The gunman’s action (killing 32 people) is being covered by the media non-stop two days in a row now… A suicide bomber in Iraq killed 64 women & children and the incident was covered by the media in mere seconds, short of a footnote… and no head of state visited the marketplace where it happened… What is that?

Rugby

My friend and I were reminiscing on the good old days when Rugby – especially in high school mean’t something. The John Andrews at changez, Blackrock at Saints, Prescott cup championship… We agreed that RVA and ISK were one of the most techinically accomplished teams; Mean Maroon and Patch machine the most talented; and Saints… well, old but one of the best.If you were lucky, then you probably saw Ligale, Luvai, Mbarine, Alloyce, Nduro, Lemmy Mwaura, Shpare, Tutu, Magwa,

I tend to think those were the golden years of rugby… a gone era. Geeze, nothing was more exciting than a rugby game / tournament. Then who recalls the famed Mean Machine cheering squad led by Arigi?The feel good feeling was tampered by Kanyi’s death (R.I.P) which was a big shocker to everyone. Time really flies and days gone seem to change too fast to ages past. However, some memories stay fresh and can still be recalled like yesterday and linger with us for the rest of our lives.

As for us guys in State side . we are truly are missing out on excellent rugby in jamhuri from the -Tri-Nations ,enterprise Cup ,Supa 14, IRB Sevens, Safari Sevens !! For the rugby lovers out here , just note that Stato is NOT doing us favors we only get ONE leg of the IRB Sevens …

DAMN I miss the nondies -impala Rivary of the late 90-s through early 00’s