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The Maximum Risk of Investing Money

Written on June 22, 2011 – 2:50 pm | by Adam Gomez

Whenever you invest your money in the stock market, you take on a certain amount of risk. While there is no way to get around that risk, it is possible to manage your risk by educating yourself before you start trading.

One of the most important things to remember about any investment, is that if your capital is borrowed, you take on an even greater risk than the actual investment itself. It is never a good idea to borrow, either from a lending institution or from your credit cards, to come up with the money you need for any particular investment. This maximizes your risk in that, if the investment doesn’t pan out, you will still have to repay the amount you borrowed, and may even have to pay penalties depending on your financial position and ability to repay.

Make sure that before you start trading, you have planned ahead and set aside the capital you will need to invest. This will eliminate that third party, and ensure all of your profits will go in your pocket, and not some bank’s ledger. Keep in mind, though, not only will you need the money for your capital, but also for the most expensive part of the stock market – brokers fees.

While each broker will have different rates, most charge a flat fee per trade. These

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Tags: Money

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How to Pay Estimated Quarterly Taxes

Written on June 21, 2011 – 6:29 pm | by Adam Gomez

For the self-employed or anyone who doesn’t have taxes automatically withheld from their paychecks it usually means paying estimated quarterly taxes. When you have taxes withheld the IRS is happy because they get part of your taxes due in regular installments. When you don’t have taxes withheld they still want their money and don’t want you to hold out until April before cutting them one big check. While making a estimated tax payments aren’t much fun, it’s actually a pretty good idea since it spreads your liability out over the entire year. So rather than coming up with, say, $5,000 at the end of the year, you can make more manageable payments every three or four months for just $1,250.

You’ve determined that you need to make estimated tax payments, so what’s next? You have two options when it comes to making those quarterly estimated tax payments. If you like the tried and true method of printing out forms and sending a check in the mail, you’re going to want to refer to IRS Form 1040-ES. Even if you aren’t going to mail in payments, you’ll still want to print out a copy of this useful form. It has a lot of inf

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Tags: Estimated Quarterly, Estimated Quarterly Taxes, Quarterly Taxes, Taxes

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Getting rewarded for overnight printing needs with your credit card

Written on June 21, 2011 – 4:54 pm | by Alicia Ross

Discover Card offers a great 20% cash back bonus on all your purchasing needs from Overnight Prints! This is a great deal, especially if you are a business and you do a lot of printing through them. From Discover’s website:

OvernightPrints is one of the leading online printing companies in the world. High quality business cards, and many other great printed products, can be easily designed or uploaded online and printed overnight with OvernightPrints.com.

- Offer not valid on gift certificate purchases
– Offer not valid on shipping, taxes, or other service fees
– Offer is not valid in combination with any other offers
– Must link to retailer site from the ShopDiscover Web page found at Discover.com and use your Discover Card
– Offer is subject to change, including termination, without notice
– View complete ShopDiscover terms and disclosure

Citibank offers 10% back and Bank of America offers 15% back in rewards. These are all great deals for using a company that you may already use. And if you don’t use them, you may consider moving over if your credit card company doesn’t offer rewards on the printers you use.

Tags: Card

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The Methods Behind My Dad’s Money-Saving Madness

Written on June 21, 2011 – 12:02 pm | by Alicia Ross

My dad is a great man for lots of reasons. He’s smart, hard-working, caring, plus he lets me help him deep-fry the Thanksgiving turkey (see above).

One of the main reasons I respect my dad so much is because he’s great with money. Like, really great. But I didn’t always think that way. I used to think that all of my dad’s planning, researching, and money-saving moves were just annoying. (What? No family trip to Europe? What gives??)

It wasn’t until later in my life that I realized there was a purpose behind all of his money moves. And, you know what? Now I find myself making the same types of choices with my money.

I guess it’s true when they say that you become more and more like your parents as you get older. With Father’s Day just around the corner (don’t forget to call your dad on June 19!), I’m sharing a few of the best tips I learned from Dad. Enjoy!

Save cash for the big items.

My parents never leased a car. They always managed to save up enough cash to buy a reliable used vehicle. Yes, I took my driving test in a 1980-something, long, white station wagon with no air conditioning (and this was in the South, y’all); but it was paid for. And I aced the para

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Chase Sapphire Preferred Card: 100,000 Bonus Points?

Written on June 21, 2011 – 5:54 am | by Nicole Gutierrez

According to a new thread on FW, there is now a targeted promo offering 100,000 bonus points after you spend $500 within the first 3 months, worth either $1250 towards free flights or $1000 in cash. To be eligible for the deal, you must have received a personalized invitation number from Chase in the mail. While the vast majority of us will not be lucky enough to receive this offer, there is still some very good news.

If you’ve taken advantage of the current 50,000 bonus point offer (which is quite generous as it is), it appears that Chase may be willing to basically match the targeted offer. A poster on SD reports:

I applied chase preferred sapphire card a few days ago with 50k bonus points after spending 3000$ in three months. Now I hear there is a better target promotion that is Earn 100,000 bonus points when you spend $500 within the first 3 months. I sent a secure message and asked them to match this offer, and they kindly offer me extra 50K points. Now the 50k points are shown in my account and I can earn extra 50k bonus points after spending 3000$ in three months. Hope you can get it as well! <

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Tags: Bonus Points, Points

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Way to Profits Online Classes

Written on June 17, 2011 – 12:45 pm | by Adam Gomez

The Time is Right: With the Fed lowering interest rates and setting a good tone to the markets along with earnings season coming up next month, there has never been a better time to learn to read price charts to pinpoint the best entries and exits for your trades.

When you know how to correctly read price and candle patterns you can identify the beginning of the next big wave and the most profitable entry for your trades. The price graph will also give you clues about when that wave is slowing down so you have time to tighten your stops and maximize your returns.

The markets today are providing us with great trading opportunities. The positive reaction to the interest rate news sent stocks skyrocketing, which made for some wonderful trades if you positioned in early. Many of those stocks, however, are due for a pullback. And what a perfect time to be trading because once you learn to identify the typical pullback, or retracement patterns, you can use those to enter trades before the next big run into earnings.

Here’s An Example:

A pattern that we usually see before a stock makes a run into earnings is a rectangle. A

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