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Buy and Hold: How to Perpetuate Your Investment Losses by Ulli G. Niemann

A recent cartoon in my daily newspaper showed two guys sitting in a bar. One is saying to the other: “I did learn something from my broker...how to diversify my investment losses.” While this struck ...

No Load Mutual Funds or Exchange Traded Funds (ETFs)? by Ulli G. Niemann

If you are fed up with early redemption charges and ever increasing mutual fund management fees on top of bad-performing fund managers, read on. There is a quiet revolution going on in the no-load mu...

The Inside Scoop on Mutual Fund Rip Offs by Ulli G. Niemann

The bear market that showed up at the end of 2000 has every brokerage house-as well as the entire mutual fund industry-scrambling to find creative ways to boost both their image and bottom line. Unfo...

How (NOT) to Buy Mutual Funds by Ulli G. Niemann

When it comes to mutual funds, there is a lot more to success than just finding a good one. Sad investment stories like the following are all too common. I hope my sharing it with you will help you a...

How to Maximize Your 401k Mutual Fund Returns by Ulli G. Niemann

When it comes to 401k's there is an overabundance of sad stories. Here is one that at least has a happy ending—and it's getting happier all the time. Last year (in 2002) a friend of mine—let’s call h...

How to Evaluate Load vs. No Load Mutual Funds by Ulli G. Niemann

If you have been dealing with mutual funds for any length of time, you undoubtedly have faced the question of which is better: Load Funds or No Load Funds. If you are new to investing, "load" simply ...

How to Find Value in No Load Mutual Fund Investing by Ulli G. Niemann

What are you thinking when it comes to your no load mutual fund selections? Are you saving pennies and sacrificing dollars? Are you spending your time looking at expense ratios, analyzing Morningstar...

How to Pay Less and Get More: Discount Broker vs Professional by Ulli G. Niemann

How do you invest? What do you really pay? At the end of the day, what are your real results? These are questions smart investors should be asking themselves (but usually don't). In this era of more ...

How We Eluded The Bear Of 2000 by Ulli G. Niemann

The date October 13, 2000 will forever be embedded in my mind. It was the day after our mutual fund trend tracking indicator had broken its long-term trend line and I sold 100% of my clients’ investe...

Lifestyle Funds Provide Greater Security? by Ulli G. Niemann

With the stock market stubbornly refusing to settle down and smooth out, Wall Street has been scrambling to come up with "product" they can sell to gun shy investors. One such new concept is the Lif...

Long-Term Investment In Today's Market? by Willard Michlin

The stock market is very unstable at this time going up and down while interest rates are so low you want to be a borrower and not a lender. Would you like some suggestions on how can you get the mo...

Leverage - Margin Debt by Henry Lu

What is leverage? Leverage - how it works? Leverage - are there any trap? Rule No. 1 - Forget about reward, focus on safety Rule No. 2 - the riskier the investment, the less the leverage Rule No. 3 - Look for minimum 2-1 margin interest coverage

A Common Misconception about Stock Prices by Chris Perruna

This article explains why low priced stocks may not be as lucrative as higher quality stocks. Read on and see how I came to this conclusion...

Good Stock Market Tip; Good Return! by Charles O'Melia

How to off-set the "risk of no gaurantees" in the stock market!

Bottoms Ups by Al Thomas

If you have talked to a stock broker or financial planner in the last few days I will bet they all agree that there are some great bargains out there and now is the time to start buying in anticipation that the market will go back up. You will also find agreement from the talking heads on CNBC and those talk radio station stock mavens. No one says sell. It looks like bottom pickers heaven.

Being Wrong Buying Stock is Okay by Al Thomas

Being wrong is OK, but let's not carry it to extremes. That applies to everything, but let's limit our discussion here to the stock market.

Boiler Room 7⁄17⁄00 by Al Thomas

On Friday or Saturday evening my wife gets a movie from Block Buster and after dinner we sit, hold hands and watch. This week she brought back one that I think every investor or anyone contemplating investing in the market should see. It is called "Boiler Room". How many times have you been called out of the blue by some no-name broker who wants to make you rich provided ...

Is The Bear In The Cage? by Al Thomas

For the last few weeks we have seen the stock market averages going higher and higher each week yet the economic news is still very bad. Is this bear market coming to an end? Will the stock prices and mutual funds go back up to where they were?

Bargain Basement - Finding Stocks That Go Up by Al Thomas

Have you been listening to the talking heads on CNBC-TV? Or those talk radio stock experts? Getting all those good recommendations on what to buy now. Now?

Mutual Fund Ball and Chain by Al Thomas

The broker told me not to sell because the mutual fund I owned had a 2% redemption fee and they would penalize me if I did. I got to thinking about it and did some simple math to see what that would cost me if I sold. Several months ago ...

401K-itis by Al Thomas

Are you one of those many people who dread reading their 401K statements? You have been watching it decline for about 2 years and are wondering if will ever stop. Just about everyone says the market will come back. Brokers say you are in for the long haul so don't worry. Any account that drops to a 50% loss has to go up 100% to get "even" and that is a very difficult phenomenon. If you have an 80% loss as has already occurred in the Nasdaq you would need a 400% rally to get "even". At 90% you have to see a 900% rise to that mythical "even".

What Does it Take to be a Stock Trader? by Al Thomas

It takes a total mental commitment to the task. It becomes a complete way of life. You cannot be a part timer. You cannot work at a regular job and trade stocks successfully. When you decide to make your living this way you must be willing to work ...

Acapulco - The Stock Market Dives by Al Thomas

There is a famous cliff on the ocean in Acapulco where experienced divers jump into the sea. It is very dangerous because the water at the base of the cliff surges from a depth of 2 feet to 12 feet. The diver must time his leap so the water is at the greatest depth when he enters or he could easily be killed as many novices before him have been. Timing is the key.

True Investment Road Maps by Al Thomas

If you don't know where you are going any road will get there. After you get there you might not like where you ended up. You must plan ahead for your trip. Do you know where you are going with your retirement portfolio?

An Old Proverb for Investing by Al Thomas

"If you don't know where you are going, any road will get you there." This very much applies to the your retirement plans especially if you are investing in the stock market. The proverb clearly states you need to know where you are going and how to get there.

Analyst Reports by Al Thomas

When you become interested in a stock or mutual fund you can call your broker and he will send you reports on how the company is doing, what their management is like and what might be the projected earnings for the company and how the industry is doing. Great information.

Advisory Service for You? by Al Thomas

It depends on your level of understanding of the market and the amount of money you have. If you a sophisticated investor with a substantial amount invested you are probably already receiving more than one. If you have very little market savvy it will be difficult to choose one that fits the size of your portfolio. If you are just getting started my advice is don't buy one - yet.

Alfred E. Newman by Al Thomas

What! Me worry? Many of you remember the cover of MAD magazine. It was one of my favorites. Alfred's only worry was about his front tooth. You and I have other problems. The one big problem we all have is enough income to support our life style. Those who are approaching retirement...

Advisory News Letters by Al Thomas

Several times each month I am solicited by various market touts who have a newsletter service, faxes or emails they are willing to send me to make me rich. That sure is nice of them.

Adding Funds by Al Thomas

Someday you may want to retire and continue to live in the life style to which you have become accustomed. According to conventional wisdom you will need less money because you will have fewer expenses than when you had to go to the office every day. Maybe. Let's hope so.