Tuesday, August 11, 2009

Investing For Average Joes #6

The current market is even more unpredictable than any of the previous year's markets because we have not seen the bottoming-out of the economy yet. The Stock Market seems to have bottomed and is back on a general rise but it could easily slip down again if any more major companies fail. So it would be wise to learn techniques for saving what profits we can gain.

Now that I've covered the basic things to start your investing portfolio, it's time to add tools to keep your money as safe as can be, given the market's current volition. One of these tools is called a 25% trailing stop. It's a bit complicated at first, and can be later, as well, but it is a vital tool to keep losses to a minimum.

Let's say you buy XYZ at $2.00 a share. Calculate 25% of $2.00, which is $.50, and set your stop-loss with your stock manager or stock purchasing site at $1.50. This way, it will keep you from losing more than 25% should the stock drop for some reason. As the stock grows, change the setting so that it keeps up with the current price. You want to keep the mark at 25% of the stock's highest point.

So if XYZ grows to $3.00, 25% would be $.75, so you would change your stop-loss setting to $2.25. In this example, the worst you could do is get a gain of 25 cents per share. If XYZ goes to $4.00, 25% becomes $1, so you set your stop loss at $3 and the worst you can do is a profit of $1 per share. This can be complicated, especially if you are not a math person, but it is necessary and has saved me money several times already this year.

Sharebuilder.com has a stop-loss option for every stock in an account. It can seem tedious to set stop-loss orders for all our stocks but it does two things: It keeps your losses to a minimum and it keeps you aware of your portfolio. Being aware is what could have saved everyone's accounts last October.

In fact, if everyone had had a 25% trailing stop on all their accounts last October, think of all the money that would have been saved! I know 2 people that lost more than 50% of the value of their portfolios and I'm sure you know others, as well.

So let's spread the word and help America keep Her losses at a minimum. Perhaps that's a bit dramatic, but it IS the Speed Of Life, after all. See you next time. Good Investing!!!

Wednesday, August 5, 2009

New Source For Information

I apologize for not taking better care of my blog recently as finding Wifi has been extremely difficult but now I've found an excellent source for new stories. It's www.slashdot.com. They put out a daily newsletter full of techie news and curious oddities from which I can glean material from time to time. Which brings me to today's entry.

Hugh Pickens writes "The NY Times reports that Inventor Stephen Kurtin has developed glasses with a mechanically adjustable focus that he believes can free nearly 2 billion people around the world from bifocals, trifocals, and progressive lenses. Kurtin has spent almost 20 years on his quest to create a better pair of spectacles for people who suffer from presbyopia - the condition that affects almost everyone over the age of 40 as they progressively lose the ability to focus on close objects.

The glasses have a tiny adjustable slider on the bridge of the frame that makes it possible to focus alternately on a book, a computer, or a mountain range in the distance. 'For more than 140 years. adjustable focus has been recognized as the Holy Grail for prebyopes,' says Kurtin. 'It's a blazingly difficult problem.'

Each lens is actually a set of two lenses; one soft and the other firm. The flexible lens (near the eye) has a transparent, distensible membrane attatched to a clear rigid surface. The pocket between them holds a small quantity of crystal-clear fluid. As you move the slider on the bridge, it pushes the fluid and alters the shape of the lens."

The product is called TruFocals and can be found at www.TruFocals.com . The introductory price is $895 a pair, which seems a bit pricey since they are slightly dorky looking, aside from the fact that it more than doubles the alternatives. It remains to be seen if the product will hold up to the scrutiny of the market.

It seems to me that, given the fact as stated by Stephen Kurtin that there are a potential 2 billion customers in the world, that starting out at such a high price is a bit cheeky. I mean, who really needs a potential 1.7 trillion dollars? Just a thought. All in all, the invention is certainly worthy of a Speed Of Life rating. If anyone gets a pair, tell us how they work for you. Who knows, they might even have an affiliate program.

Sunday, July 26, 2009

Investing For Average Joes #5

Let's talk about research. Before you buy anything, it's good to research it and find out if it's even worth buying. There are many places to get research about the companies in which we would like to invest. Sharebuilder has many research tools for account holders. If you google "stock research" , I'm sure you will find many sites that can help you. The library has a multitude of sources, as well.

First, you should decide what companies that you don't want to be connected to for whatever reason. Maybe you don't want to invest in oil companies because they help to pollute the environment or some other moral issue. Once you decide which kinds of companies you don't want, all the others are fair game, so to speak.

When I get a tip on a stock from the Oxford Club, I read all of their info on the stock, which is extensive, and the I check the history of how it has done in the past. I look at 1 day, 1 week, 1 month, 3 months, 6 months, 1 year, 2 years. I like to see an upward trending graph but it's ok if the dips follow the market dips.

Next, I want to see how much it is trading for now. My general rule is less than $20 and preferably less than $10. This works for me because I don't have a large amount of cash available so my gains will be more easily realized. I like to buy in 100 share blocks so that if the stock goes up or down $.01, my share holdings go up or down $1.00 which makes it easier to keep up with how it's doing.

Sharebuilder charges a small fee of $.005 per share on orders over 1000 shares so if I buy or sell
more than 1000 shares, I do it in 1000 share blocks. I'm a small time investor so every cent counts but you may feel otherwise. When I get to the point that I'm buying or selling10K shares at a time, I may ignore the fee.

It may seem enticing to buy penny stocks because you can double your money, in theory, faster than stocks of $1 or more but you can also lose money faster. In some cases, you can lose all of your holdings in 1 day, depending on how the company is doing. Most stocks that are trading below $1 are from companies that are not doing well.

Take Sirius XM Radio, for example. One year ago, the stock was trading at $2.42 per share. In October when the market crashed, it fell to $.06 per share. You might think that at $.06 per share, you could double your money if it only went to $.12, which is true, but if you had checked out the company, they were about to go into bankruptcy which could have meant that they would have lost all value, hence all your investment would have vanished.

That's all I have for now. Next time, I'll talk about how to set up a trailing stop to keep your losses low and other helpful hints. Til then, happy investing.

Friday, July 17, 2009

Vype Is High School Sports Magnified

I was driving through Arkansas scanning radio stations when I happened upon an interesting interview. The radio host was interviewing the owners of Vype, a high school sports magazine. Vype gives high school atheletes a stage to showcase their skills so that college coaches and recruits can observe them in more detail.

According to Vype's "About Us" page, Vype captures the passion and excitement of high school sports in it's purest form. With in-depth coverage, real-time content, and local interviews, Vype covers high schools sports as well as any sports magazine, if not better.

I checked out the site and it is well run, easy to maneuver, and cleverly set up. It jumps out at you and declares that "This is what high school sports are all about". The camera work is impressive and brings the reader into the shots as if they are really there.

"We believe," claims Vype, "that high school sports have a positive and long-lasting impact on the development of today's teens in terms of acquiring life-long skills and perspective on teamwork, dedication, and commitment. We believe in the purity of the game played at the high school level where kids simply compete for the fun and the excitement of playing. We believe in being active participants in our local community through our editorial coverage, partnerships, and sponsors, ensuring our focus and impact are authentic."

Vype currently reaches over 750,000 people each month through 14 locally published magazines and 26 web-only properties. Through it's poplular website http://www.vype.com/ , high school atheletes have access to an interactive online resource where they can post highlight reels, share ideas, and learn from industry experts. Check out http://www.vype.com/ and get into the excitement and the thrill of it all.

----some content taken from http://www.vype.com/

Sunday, July 12, 2009

Investing For Average Joes #3

There are many books you can read to determine how to invest in the stock market. So many, in fact, that choosing one might be daunting. "Investing For Dummies", if it exists, would be a good one given that those "dummies" books are well written and easy to understand. I just jumped into the market without any particular plan, which turned out to be expensive. But the hard way is the sure way.

The first thing you need to determine is what kind of investor you are; conservative, moderate, or aggressive. Knowing what you are will make your investing so much easier. Personally, I am aggressive because I want to see some results before I get old but whatever you are is perfectly ok.

Conservative investors want their investments to be as safe as possible with the least risk involved. They like their money and they want to keep it. Conservatives like bonds for their low risk and pre-determined yield. Conservatives are happy with low yields as long as they know their money will be there no matter what happens.

Aggressive investors realize that money is fluid and can be made or lost easily. They are willing to accept high risk for high gain. Sometimes that involves losing but there are ways to limit losses so thet they don't get out of hand. Aggressive investors like stocks, commodities, options, and the like. They are jumpers and are ready to get in or out at a moment's notice.

Moderate investors like a little of both. They are mutual fund and EFT traders. They buy stocks for long term commitments and will accept some risk if the deal looks promising. Moderates will hold some bonds for stability and spread out their portfolios. Moderate is a good place to start because you can quickly find out where you stand.

One good way to begin learning is to paper trade. In other words, pick some stocks from companies that you like and write down their prices. Then choose a number of shares as you would if you were actually buying them. Keep track of the market prices for a month and see how you would have fared had you bought the stock.

When you think you are ready to start investing for real, if you will email me your name and email address, I will send an invitation to Sharebuilder, which will give you $25 when you open an account. I get a few free automatic investments which I rarely use but your free $25 makes it worth it to me. You can also click on the Sharebuilder ad on this site but I don't know if they give the $25 that way or not.

Either way, Sharebuilder is the easiest, cheapest way to invest online. They have so many helpful tools to assist you from research to taxes and it's easy to understand. They won't allow you to invest in penny stocks but I am going to talk about penny stocks in another post. At the very least, click on Sharebuilder and check 'em out. I know you will like what you see.

Tuesday, July 7, 2009

Amazing Breakthrough in Plastic Surgery

In the field of plastic surgery there has been an amazing breakthrough recently from a company called Cytori Therapeutics. They've created a process that can add "flesh" to a breast to fill in the void left over from cancer removal. The new "flesh" gives the breast a natural look and feel.

The process has yet to be approved by the FDA and is still in the testing stage in the UK but the results look very promising. "Three months (after the treatment), my stem cell treated breast looked and felt like normal breast tissue, even slightly firmer," recalls Irene MacKenzie, the first patient to undergo treatment in the UK trial. "Now it looks fantastic and has changed my whole outlook."

The Process involves liposuctioning about a pint of fat from the patient's stomach. The fat is portioned into two parts. With one part set aside, they remove the stem cells from the fat of the other part, leaving about a teaspoon of material, which they add to the set aside fat. This mixture is injected into the void in the breast caused by the cancer removal. Some of the fat will be absorbed by the body so the breast may have to be "topped off" with more fat from liposuction later, but it appears to be a nice solution.

The applications for this stem cell process are staggering. It could be adapted to help grow new skin for burn victims or new bones for accident victims. Cytori Therapeutics' process could be a boon for plastic surgeons worldwide if the UK trials are successfull. You can read the entire article here: http://www.dailymail.co.uk/health/article-1172176/ME-AND-MY-OPERATION-My-breast-rebuilt-stem-cells-tummy-fat.html

Sunday, July 5, 2009

More Investment Info For Us Average Joes

As a follow up to a previous post, "Investing For Average Joes", I thought I would include a few of the things I've learned since becoming an investor. Some of these things may be common sense to some of you and they may be brand new but you should be able to use something to help you with your investing.

One of the coolest things to do is, once you've bought a stock and it has been going up, keep an eye on it. When your stock reaches 100% above where you bought it, sell half of it to pull out your cost, so that all you have left is profit. This does two important things. One, it takes all the worry out of the equation so you can watch the stock from a comfort zone of knowing it's free money. Two, it creates more cash to invest.

I like to keep a chunk of cash in my money market account so that I have cash available should an investment opportunity arise. It is so frustrating to see an opportunity and not have any cash ready to be invested. I use www.sharebuilder.com as my trading account and it can take
2-3 days to deposit funds depending on which bank I use so if I get word from www.oxfordclub.com about a company that looks promising I want to be ready to jump in.

Before the economy took a dump, I was getting a small return on my money market account but now it is down to almost nothing. For this reason, I like to keep cash in my www.paypal.com account. Paypal pays about 1%, which is quite a bit more than a savings account at the bank. Banks have dropped the savings account interest to as low as 0.1% just so they can say it is a savings account. I think we should all band together and demand 6% on our checkings accounts but that's another story.

Paypal takes about two days to recognize a deposit but you can get a debit card to make withdrawels just like a checking account. In fact, using paypal as your checking account would make sense. 1% isn't much but it's a far sight better than nothing. Paypal also has a neat affiliation program. If you can get a business to create a new Paypal account, they will pay you 1% of the money that flows through the business account for an entire year. That could be substantial depending on the business.

I sort of got off the beaten path but it's all good info and certainly worth the Speed Of Life. I'll be adding a new post soon so watch for it and good investing!

Wednesday, July 1, 2009

An Always Green Lawn At The Speed Of Life

Imagine a lawn that never needs watering, never needs weeding, never has to be seeded or fertilized. Imagine a lawn that never needs mowing, yet always looks as green as the day it was bought. Imagine a lawn that is soft and gentle to bare feet, that has no chiggers, that never loses it's color no matter what dog or cat or other creature puts on it. Imagine a lawn that makes people turn their heads and stare at it's beauty in awe!!

It's not your imagination. Always Green Grass, an artificial grass supplier and contractor located at 5205 G Street in Chino, CA, has been making lawns Always Green since 2006. I had the privilege of seeing one of their sub-contractors installing a lawn across the street from where I was getting my truck loaded a few weeks ago. I was amazed at how real it looked and felt.

I talked to the guy in charge of installing it and took some pics. I didn't get to see the final product because I had to leave but it appeared that the owner of the property had seen the end of their high water bills.

The City of Chino has been having Always Green Grass installed on their streets and around public buildings to cut down on water bills. Now that's government at the Speed Of Life!

Water bills have shot up recently due to the current water shortage in California. "People are not allowed to wash their cars or water their lawns anymore," says Tammy, an Always Green Employee. "Without water, real grass will die and turn brown. Our grass needs no watering so it won't brown and die.

According to Tammy, Always Green Grass has three sizes of grass measured by weight; Maple - 40 oz./sqft, Aspen - 60 oz./sqft, and Palm - 80 oz./sqft. The prices for each product including installation are $6.50, $7.50, and $8.50, respectively. Tammy assured me that the grass will not lose it's color even if it is cleaned with bleach. It can be washed, swept, blown, or raked.

When properly installed, Always Green Grass has no creases or seams and looks like the lawn your neighbors wish they had; a lush, deep, green grass that is extremely low maintenance and lasts for years. Always Green Grass warrantees their products for 8 years and 1 year for installation but the sub-contractor I talked to added another 16 years onto the life of the warranty after installation.

For more information, please contact Always Green Grass at 800-718-3218. Tell 'em Michael sent you. Their website www.alwaysgreengrass.com is under construction but will be finished soon.

Sunday, June 28, 2009

New Product

And I thought I was just writing curious little dainties. Talk about writing at the speed of life!!

I haven't come right out and said it here but I'm right on the cusp of creating a new product that can get a press release or article to to the very top of a google search in less than 24 hours. In fact, 20 minutes is the fastest so far, and five hours for the full effect.

I'm still in the testing stage, making sure I understand what's happening, and concentrating on working out any kinks that may exist, but it looks VERY promising. My mentor is helping with the necessary specifics of setting up a product for sale and it should be ready by the middle of next month.

My brother John Rush, who has a website @ www.johnrush.com , saw one of my posts on facebook claiming a top search and asked if I could do the same for him. I googled John's website and his name to find out where they were on the search. His name was fifth and his website was second.

I immediately began writing a press release using my technique and published it @
www.free-press-release.com and now, on a google search of his name, he shows up 1rst, 3rd, 4th, 7th, 10th and his website in on top. Not bad.

Since I am still in the testing stage, I am offering free top page searches for anyone that asks. Just give me your website name, tell me your key words, and your name, and I will gladly elevate your name and site to the top of a search. Don't wait, do it now!!

Monday, June 22, 2009

Investing For Average Joes


Have you ever wanted to invest in the stock market but were afraid to because you thought you'd lose money? Or maybe you felt intimidated because you had no clue about how to get started, where to go, etc.? You can get a broker but they tend to be expensive and do not always manage funds the way you would like them to do.

The first thing you can do is check out www.sharebuilder.com and open an account. They don't have any minimum balances, nor do they have any inactivation fees like some of the other online trading sites. They have lots of free information about how to trade and what kind of trading you should do considering your situation.

Let's face it, everyone is different and everyone has a different situation as far as how much extra money they have. The experts say to give 10%, save 10%, and live on 80%. Unless you've been doing that already, it can take some serious changes in the way you deal with your money.

But if you are in a situation where you can save 10%, then some of that 10% should be invested in the stock market because it is a sound place to grow money. It has ups and downs, and if you sit back and let nature take it's course and don't intervene, you could lose money, like many people did by not paying attention.

Perhaps, though, you are not a sitter and you would like to jump on the band wagon and really watch your assets grow. In that case, you should subscribe to The Oxford Club Communique at www.oxfordclub.com , the place where investing is an art form. They are not brokers so they can't give advice or tell you how to trade but they can do research and make suggestions.

For a modest subscription fee, you will recieve daily emails with timely market news and information, tips and strategies on how to trade and when to sell. They have a strategy for selling that keeps you from losing too much when the market turns bear and some excellent suggestions for when the bulls are running. You'll get a monthly newsletter chock full of information on the market and what the top traders are doing. They'll even pick a few top trader brains to get idewas on what the future holds. It's truely a phenomenal package.

Since I subscribed to The Oxford Club in February, my stock portfolio is up 36%! That's only four months, and during an unstable market. If nothing changes, that would be 108% for the year. The old school ways say if you get 15% per year you are doing well; 20% and your money doubles in four years. My money appears to be on the track to double this year. That's quite a bit better than the old school.

These are my personal results and yours will likely vary but if I had bought every suggestion the Oxford Club gave, and in a timely manner, according to their records, I would be up 76%. I'm not very experienced yet but I know a good thing when I see it and I cannot thank them enough for helping me to be a better investor.

The key to doing anything is to DO IT. The longer you wait on the sidelines, the less time you have left to accomplish your goals. So are you a sitter or a jumper? If you really want to retire some day with something leftover from all your hard toil and trouble, be a jumper. Start investing in your future so that when you get there, your future will be happily waiting.

---some information taken from www.sharebuilder.com and www.oxfordclub.com

Friday, June 19, 2009

Google @ The Speed Of Life

The most amazing thing happened to me today. I got an idea that I could freelance music and/or songs on the internet but how would I do it? Who would I contact? So I thought I would google it and see. And Lo and Behold, there are many freelance song writing sites and many people that have musical projects that they would be willing to pay to get accomplished. For years, I've thought that I should freelance music and now, thanks to google, I can.

Google has become THE search engine of all search engines. According to wordtracker.com, over the last 90 days, Google is the most searched keyword on the internet. That tells me two things: one, that most people like to use google and two, they don't use google as their homepage. So maybe Google doesn't do homepages well. But they have certainly cornered the market on the search engine of choice.

They have created a search engine that is so efficient at finding what we want that the word google is now a verb used commonly in our language. Want an answer, google it. Want to know how to do someting, google it. Want to see who else has done it before, google it. If you have an idea and you would like to see if it has been thought of before, google it.

In the eartly days of the internet, in order to track down something, it was better to be broad minded and search catagories or generalizations. Not anymore. Now, if you want to find something, you should be as specific as you possibly can when you search on google and, 9 times out of 10, you will get a list of websites. If you don't get a list, then you know that the thing you were looking for is waiting for you to introduce it to the web.

Thanks to Google's determination to be the best search engine, we now have the ability to create new products and services from just searching google to see if it has been done. There are other search engines but they don't satisfy our need for immediate answers as well as Google.com can. I cannot tell you how many times I've searched yahoo only to find that it was clueless. I finally quit trying and use Google.com exclusively for all my search needs.

So, Congratulations are in order and many thanks to Google.com for keeping up with The Speed Of Life so well that they've created a new genre of thinking, as well as changing the way ideas are formed. New products and services are generated daily because if you can't find it on Google.com, it hasn't been done yet.

Tuesday, June 16, 2009

Human Ipod Reaches $1 Million In College Circuit

This week's Speed Of Life Blog is about one of the top musical perfomers on the College Circuit, John Rush. For years, John has entertained students and faculty at Colleges and Universities all across America with his unique one-man band sound.

He's been called the Human Jukebox and the Human Ipod for his ability to recreate songs that sound just like the original artists. John, not only keeps up with the Speed of Life, but also with the Speed of Music, learning new songs as they become popular within the college community.

Congratulations to John Rush for realizing his dreams and continuing to keep up with The Speed Of Life. Now, read the following press release:

United States of America (Press Release) June 12, 2009 --
"The show was great! John is always great to work with, and the audience loved him," says Eddie McCracken, Director of Student Activities, Pittsburg State University, Pittsburg, KS.

"John's performance went very well. He was great to work with. The students said that he is the best dinner time performer that they have seen in our dining hall," proclaims Amanda Townsend, CAB Director - Hobart & William Smith College, Geneva NY.

Reviews, such as the ones above, are commonplace for one of America's best College Entertainers, John Rush. For the past ten years, John has been touring colleges and universities all across America, entertaining students with his incredible musical ability. Averaging more than 200 dates per year, John Rush is making a name for himself in the college campus circuit.

With a list that covers more than 600 songs from 150 artists, John has been called a "Human Ipod" with the ability to play more than 55 hours of music upon request.source: FPRJohn Rush has a much larger sound than most solo artists.

His equipment allows him to lay down a loop upon which he can play lead and/or bass, piano, percussion, and harmonica. This allows him to sound like a whole band instead of just a solo guitarist."I do all this live," says John. "People always ask me if this is prerecorded music but it's not. I think if you go to hear live music, it should be live. I rely on my own ability to perform; the technical effects are only there to enhance what I do."

After crossing over the Million dollar mark recently, John says he owes his success to "consistently waking up with a to-do list and doing it."

With Tony Robbins and Zig Zigler as his motivators, and Mark Knopfler as his musical inspiration, John Rush appears to be on the right path to becoming one of America's finest musical entertainers.---some content taken from http://www.JohnRush.com Published at
www.Free-Press-Release.com



For more information:
1837 Lake Logan Rd., Ardmore, TN 931-629-5951 http://www.thespeedoflifeshop.blogspot.com

Tuesday, June 9, 2009

Welcome

Welcome to The Speed Of Life Shop where shopping happens at the Speed of Life. Here, I will focus on companies and services that function in real time. Companies like Amazon.com, Sharebuilder.com, TheOxfordClub.com and others are setting industry standards and leading the way in these challenging times.

Occassionally I will rant about forms of business that can’t seem to keep up with The Speed Of Life and tend to do nothing but frustrate us. I won’t mention names but you’ll know and understand. So let’s get right to it.

If you have used the internet in the last eight years you have heard of Amazon.com. They started selling books and music to consumers online and created a standard; 2-day delivery to your door, most of the time. That standard still exists and has helped to make Amazon.com a household name.

Today, they sell everything from books to groceries, which may all be delivered to your door, usually, in two days. If they sold cold beer, we might find people never leaving the house.

In the Post-war era, there were many things that you could get delivered such as milk, eggs, bread, Charles Chips, etc. so it's not such a leap to have everything delivered to your door. Makes sense to me.

So check out Amazon.com and see all the products they offer these days. They also have a way to save on shipping that is cheaper than the gas you would burn driving to the store. Can't beat 'em so might as well join 'em.