Personal Investing Advice

When You Invest

We are constantly seeking the right time to invest our money. This is, so that we get to maximise our returns in the future. When you read the papers or tabloids, there will be countless ads calling you to invest. If property investment is the thing, you jump. If the stock market is doing well, you jump.

However, the timing is all that matters. You may have read countless books on Warren Buffett on how he chooses to hold a certain investment for long periods of time. Preferably forever. The difference between him and you can never be more distinct. Questions you should ask yourself would be:

1.Do I have the holding power, ( e g: cash)should might investment turn negative.

2.Have I chosen the right company, industry or country?

3.When do I exit or rebalance my portfolio to take advantage of other opportunities?

If you have invested in property in 1997, it would have taken you at least 13 years just to break even, which is now. You would have bought it at a high price. In investment terms, you’re buying the high.

Similarly, if you have bought stock and shares at the height of the economic boom in 2007, chances are, you might be in a loss right now figuring out the best time to get out.

Do you wish you could know a better way on when to invest in anything?

A simple rule adopted by Warren Buffett (the world’s richest Investor) is,

” be greedy when others are fearful and be fearful when others are greedy “.

As long as you do not follow the herd, the chances of exposing yourself to risk is greatly reduced. You sell properties at the high. You buy when property prices are low. It is common sense. Unfortunately, it’s not so common anymore. Now, people are rushing to bid for the best property sites. There’s nothing wrong with that if you are in it for the long term. However, taking your time and having a relook at your investment objectives is a sure-fire way to lead you to investing success.

What professional investors do to the stock market is different from the rest. They buy the low. That means they buy when others are in sheer panic. They buy when the economy is gloomy. They buy when everything is at a bargain. A rule of thumb is to look at the P/E ratio of stocks and indices. A P/E ratio is a n abbreviation of price-to-earnings ratio. When you look at a particular stock listing, look out for this number. Anything that is well below 15 is worth buying. That does not mean that you take into account only that and it will start giving you a fortune. What I am saying here is that it gives you a gauge on how undervalued the company or index is. As at January to March 2009,the P/E ratios of most companies were around 6-8.That’s greatly undervalued!

Stock indices like the Dow Jones Industrial index, S&P 500, Nasdaq, STI and many others were well below 15.

If you were to put your money during this times, you would have made at least a 40% gain on your investments in less than a year. For your information, at the height of the economic boom in 2007,most companies were having P/E ratios of around 60!

Definitely not a good time to buy but a good time to sell. Whatever goes up, will eventually come down. Therefore when the market goes down, we want to know when it is really an opportunity to invest. If you wait for a good time for the opportunity to present itself, your returns will be spectacular rather than modest.

So now, you know the very basic thing to look out for before you invest. As my teacher once told me, “never buy the high, never sell the low”.

The P/E ratios on average at the point of writing is about 20.Then again, it still is an opportunity depending on where you’re investing in. If you remember the pointers, you will know what needs to happen before you can pounce on the opportunity.

Recession.

For more articles you can visit my blog at http://www.syafiqshaidi.wordpress.com

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Clogau Gold Going Global

Great Britain is home to one of the most prized possessions known to mankind - gold. To be more specific, the country is home to the most coveted Welsh gold, mined at the Clogau mines of Wales. This kind of gold is highly valued because of its origin and scarcity and it only occurs naturally in two distinct areas of Wales - North Wales and South Wales. Because of its rarity and the patronage of the royalties in Great Britain, Welsh gold has often been mixed with other gold bullion.

Since the discovery of the Clogau mines in Wales, jewelleries made from the said gold have been patronized by the British. Jewellery formed from this material has been used and purchased by members of the British royal family. Wedding rings of Queen Elizabeth II and her mother, Princess Margaret, Princess Diana of Wales, Prince Charles and Duchess Camilla of Cornwall were all fashioned from Welsh gold. With its connotation as being the gold of choice for the royalty, jewellery enthusiasts have all the more been popular.

With the changing times and advancements in technology, Clogau gold is now conquering the international scene. With the launch of Clogau gold’s official website, everyone in the world can now get a chance of experiencing a rare gold beauty. Necklaces, bracelets, wedding rings, engagement rings, charms, pendants and more made from exquisite Welsh gold can now be purchased by anyone in the world through Clogau gold’s online portal.

Clogau ships to anywhere in the world - the US, Canada, Europe and other international destinations. Jewelleries made from Welsh gold are now very accessible for those who would like to purchase them. With Clogau gold’s website, the knowledge about Welsh gold is also being opened to the whole world. Everyone can get to see the magnificent jewellery collections of Clogau. Pieces made from the highest quality materials such as yellow and rose gold, silver and diamonds, can now be showcased through the whole world through Clogau’s online portal.

Everyone can now experience a chance at being royal. Everyone can get to know the rare beauty of a this gold. Everyone can get a chance to say that he or she belongs to the high ranks of Welsh gold jewellery owners.

Rare is the beauty of a Welsh gold. Owning a rare treasure is surely a great investment. Giving a rare treasure is also a great gesture. Let Clogau gold help you start something great. Now that Clogau gold is accessible to everyone, the great is now possible.

Experience gold at its finest. Experience Clogau gold.

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To Invest Or Not to Invest? That is the Question

With all of the media attention given to the unemployment rate, the foreclosure rate, the drop in the real estate market, and the credit freeze, you almost wouldn’t believe that the United States has a functioning middle class anymore. Well, there is still a middle class and even though we’re very grateful to have equity in our homes and money in our savings accounts, the recent economic shakeup has us scared stiff.

So stiff, in fact, that people are sitting on their money these days and doing nothing with it. While it seems like a good time to invest in real estate, every time you think the market has bottomed out, you watch in wonder while the prices drop even lower. While the stock market needs money to get up and moving again, who wants to be the guinea pig who invests optimistically only to watch their savings crash through the floor?

But at the same time, the banks have essentially frozen the interest rates on savings accounts, so the longer your money sits in an account, the less it’s actually worth. It’s a terrible time in the American economy to be sure.

But the truth is that people who have the strength and wherewithal to get in on both the market and real estate at this time will eventually profit from their “project payday.” But where do you get the strength to put your money in this kind of circumstance? From knowledge.

With real estate, every Joe and Jane Doe with an ounce of interest is studying the market. The figures on the past ups and downs and future projections are as detailed as they will ever be. Unlike during the bubble, the risk of falling prey to a real estate scam at this time is very slim. Banks are not willing to give up the money unless the deal is decent, and if anything is rubbing you the wrong way about a real estate deal, there’s probably five more condos on the block you can look into.

With the stock market, more than every people are trying to empower themselves without having to fully rely on what other people are telling them to do. Ameritrade, Etrade, Scott Trade - they all have many comprehensive programs to teach you the ins and outs of investing. Ameritrade even has Investools, an entire program dedicated to stock market education.

While it’s true that you should rely on no one thing to help you determine your investing future - sure, while Ameritrade’s Investools might seem great, no one can guarantee a definite project payday in the stock market - a whole bunch of things resulting in knowledge and awareness of what you’re dealing with, are a lot more likely to help you avoid the scam and make some sound investments at a good time.

If you would like more info check out additional Investools and Project Payday reviews.

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How US Savings Bonds Mature

United States savings bonds are a sound method of investing, as long as you are looking to save for the future and aren’t expecting immediate results. Savings bonds are purchased and then mature at different rates depending on the bond itself. Interest is accrued and once the bonds mature, they can be cashed in for the original investment plus interest. These bonds are fantastic gifts for children and newborns to help them save for their futures.

There are a few different types of bonds with different maturity rates.

1. Series EE Bonds are purchased at half of their value and can only be purchased up to $5,000 (face value) each calendar year. These bonds will be worth more as time goes on including interest, and mature after 30 years. Upon this maturity date, the bond holder is paid the original investment plus all of the interest accrued over 30 years.

2. Series HH Bonds are purchased at their face value (from $500 to $10,000) and can be purchased in unlimited amounts. These bonds, however, do not gain any interest, and mature after 20 years.

3. Series I Bonds are sold at face value. They grow by inflation-indexed earnings for up to 30 years. You can purchase up to $5,000 in Series I bonds each year.

As you can see, it takes decades for these bonds to mature, however once they do, they are worth every penny. They are a great way to invest for future generations to ensure they have some sort of savings by the time they reach adulthood.

As an editor for Garden Flag Pole and Garden Flag Holder, the editor reviews dozens of supplies and products on the internet.

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