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AtricleZine - On-line Investing, Riskier than Bingo! The Elderly and Financial Risk Taking
Times are a changin'! More women today work outside the home, earn (and control) significant amounts of money, and make large, important purchases like houses, automobiles and computers. In the past, advertising portrayed such independence as being primarily characteristic of men. But there has been an interesting role reversal where more men are involved with cooking, cleaning, laundry and childcare. (I know some of you ladies reading this don't believe me, but they are really out there!) LOLInterestingly enough, the male consumer–whether married or single– seems to be shopping alone. And not all of them shop alike. According to NPD group,
2. The market can be a terrible mistress. The need to monitor investments can dominate your time if you are in a position that is movement sensitive and you are trying to trade the stock for the short term. You can find yourself becoming isolated, not wanting to step away from your computer screen in fear of missing an opportunity, or facing a loss.
3. Losses are real. Most people believe they know when to get in when buying a stock, but it is human nature to hold on to an investment when it is going down in value, hoping and praying that it will return to at least break even. It takes a lot of discipline and the on-going use of stop loss orders t
For those who are not familiar with the Affiliate Tracking Software we can explain to you what it is. It is a tool that lets others sign up and create codes that will let them start promoting your site. The affiliate is the person who agrees to promote your product for financial compensation which means you will need ways to track down the amount of sales your affiliate programs make as well as track other things in the process.The Affiliate Marketing Software allows the users to sign up and create codes that will track the sales themselves. The software can just tell you which affiliate is doing well and generating the sales and if you hav
One of the longest running pieces of financial advice has been to carefully manage your investments in terms of a financial triangle. This triangle is made up of varying levels of financial tools or instruments and each layer closer to the top reflects additional risk. This triangle starts with a bottom denoting safe, risk free investments such as treasury obligations or bank certificates of deposit. As the type of investment increases risk, and therefore a potentially greater return or loss on invested capital, the higher on the triangle it goes. General belief is that each level as a percentage of a person's investment portfolio should be adjusted as they get older and closer to retirement to reflect a more conservative, risk adverse position. This is in line with the concept that there are fewer earning years, or no earning years, left to support the recovery of a financial loss if a risky investment goes bad.
Investment in the stock market, in general, has been very good over the long term. The problem for the typical retired person involved with on-line investing is that they don't have a long term over which to recover short term losses if they occur. In addition, this description of the stock market is just that, the overall stock market, not individual stock issues.
Before you or a loved one decide to "play the market" or be a "day trader", be aware that significant risk is involved. The following are points to note for the elderly investor.
1. The Market goes on forever. The market for a stock can now be beyond the typical stock market day of 9:30 a.m. to 4:00 p.m. Eastern time. As the markets continue to evolve, there are now markets before the normal market opening and after the market close. If your on-line firm does not participate in these markets, you may be at risk if your stock position trades actively in before or after hour trading due to news on the company while you are on the sidelines. Stocks can trade wildly up or down in these non-market hours.
2. The market can be a terrible mistress. The need to monitor investments can dominate your time if you are in a position that is movement sensitive and you are trying to trade the stock for the short term. You can find yourself becoming isolated, not wanting to step away from your computer screen in fear of missing an opportunity, or facing a loss.
3. Losses are real. Most people believe they know when to get in when buying a stock, but it is human nature to hold on to an investment when it is going down in value, hoping and praying that it will return to at least break even. It takes a lot of discipline and the on-going use of stop loss orders to
Once upon a time when Earth did not commercialize the internet invention, someone published an ad in a national newspaper saying "Send Me $1 and I will show you how to become a millionaire"People from all the over the place sent their $1 dollar bills waiting to get the secret recipe to become millionaires. A few weeks later they received the following note "Repeat what I have done and you will become a millionaire. I have just become one from the same ad you responded to"I believe that this person has set the ground for most of today's business ideas that we find on the internet. The idea includes all the usual hype that we read in m
One of the longest running pieces of financial advice has been to carefully manage your investments in terms of a financial triangle. This triangle is made up of varying levels of financial tools or instruments and each layer closer to the top reflects additional risk. This triangle starts with a bottom denoting safe, risk free investments such as treasury obligations or bank certificates of deposit. As the type of investment increases risk, and therefore a potentially greater return or loss on invested capital, the higher on the triangle it goes. General belief is that each level as a percentage of a person's investment portfolio should be adjusted as they get older and closer to retirement to reflect a more conservative, risk adverse position. This is in line with the concept that there are fewer earning years, or no earning years, left to support the recovery of a financial loss if a risky investment goes bad.
Investment in the stock market, in general, has been very good over the long term. The problem for the typical retired person involved with on-line investing is that they don't have a long term over which to recover short term losses if they occur. In addition, this description of the stock market is just that, the overall stock market, not individual stock issues.
Before you or a loved one decide to "play the market" or be a "day trader", be aware that significant risk is involved. The following are points to note for the elderly investor.
1. The Market goes on forever. The market for a stock can now be beyond the typical stock market day of 9:30 a.m. to 4:00 p.m. Eastern time. As the markets continue to evolve, there are now markets before the normal market opening and after the market close. If your on-line firm does not participate in these markets, you may be at risk if your stock position trades actively in before or after hour trading due to news on the company while you are on the sidelines. Stocks can trade wildly up or down in these non-market hours.
2. The market can be a terrible mistress. The need to monitor investments can dominate your time if you are in a position that is movement sensitive and you are trying to trade the stock for the short term. You can find yourself becoming isolated, not wanting to step away from your computer screen in fear of missing an opportunity, or facing a loss.
3. Losses are real. Most people believe they know when to get in when buying a stock, but it is human nature to hold on to an investment when it is going down in value, hoping and praying that it will return to at least break even. It takes a lot of discipline and the on-going use of stop loss orders t
The advancements in medicine are extending life more than at any time in history, putting many people in need of adult care for themselves. With many soon ending their working careers the amount of older citizens will be going way up. Entrepreneurs of senior care franchises are the lucky few that will be able to reap the benefits of the huge upswing in population and be a part of the top franchise opportunities market since fast food. Senior and adult care taker franchise opportunities can be referred to by many names including adult day care business opportunities when they conduct adult day care for mentally or physically handicapped adults, and
Investment in the stock market, in general, has been very good over the long term. The problem for the typical retired person involved with on-line investing is that they don't have a long term over which to recover short term losses if they occur. In addition, this description of the stock market is just that, the overall stock market, not individual stock issues.
Before you or a loved one decide to "play the market" or be a "day trader", be aware that significant risk is involved. The following are points to note for the elderly investor.
1. The Market goes on forever. The market for a stock can now be beyond the typical stock market day of 9:30 a.m. to 4:00 p.m. Eastern time. As the markets continue to evolve, there are now markets before the normal market opening and after the market close. If your on-line firm does not participate in these markets, you may be at risk if your stock position trades actively in before or after hour trading due to news on the company while you are on the sidelines. Stocks can trade wildly up or down in these non-market hours.
2. The market can be a terrible mistress. The need to monitor investments can dominate your time if you are in a position that is movement sensitive and you are trying to trade the stock for the short term. You can find yourself becoming isolated, not wanting to step away from your computer screen in fear of missing an opportunity, or facing a loss.
3. Losses are real. Most people believe they know when to get in when buying a stock, but it is human nature to hold on to an investment when it is going down in value, hoping and praying that it will return to at least break even. It takes a lot of discipline and the on-going use of stop loss orders t
The idea of a prepaid credit card has been around for a number of years, but it's only now, with the level of personal debt soaring, that it has really started to take off.But what is a prepaid credit card? How does it work? And most importantly, can it help you avoid getting any deeper into debt?The Basic IdeaIf you're familiar with the idea of a prepaid phone card or a prepaid gift card, the idea won't be new to you. It's basically just a credit card without the credit. You load money into your card account and can then spend it using your plastic card as you would with a normal credit card.These prepaid credit
1. The Market goes on forever. The market for a stock can now be beyond the typical stock market day of 9:30 a.m. to 4:00 p.m. Eastern time. As the markets continue to evolve, there are now markets before the normal market opening and after the market close. If your on-line firm does not participate in these markets, you may be at risk if your stock position trades actively in before or after hour trading due to news on the company while you are on the sidelines. Stocks can trade wildly up or down in these non-market hours.
2. The market can be a terrible mistress. The need to monitor investments can dominate your time if you are in a position that is movement sensitive and you are trying to trade the stock for the short term. You can find yourself becoming isolated, not wanting to step away from your computer screen in fear of missing an opportunity, or facing a loss.
3. Losses are real. Most people believe they know when to get in when buying a stock, but it is human nature to hold on to an investment when it is going down in value, hoping and praying that it will return to at least break even. It takes a lot of discipline and the on-going use of stop loss orders t
Every Realtor I have ever met and/or worked with wants to get more real estate leads. Better leads... More responsive real estate leads.What is the best way to make that happen?It isn't more networking...It isn't traversing the neighborhood knocking on doors...It isn't SEO (search engine optimization)...It isn't chaining yourself to the phone and making cold calls from morning until night...It isn't more signs, postcards or flyers...It isn't even the internet or any other technology...The answer to getting more real estate leads is this:
2. The market can be a terrible mistress. The need to monitor investments can dominate your time if you are in a position that is movement sensitive and you are trying to trade the stock for the short term. You can find yourself becoming isolated, not wanting to step away from your computer screen in fear of missing an opportunity, or facing a loss.
3. Losses are real. Most people believe they know when to get in when buying a stock, but it is human nature to hold on to an investment when it is going down in value, hoping and praying that it will return to at least break even. It takes a lot of discipline and the on-going use of stop loss orders to make sure that your emotions do not leave you with a significant loss if the market is "irrational" and goes against your position. Look at the wild fluctuations of a stock like Google, up and down tens of dollars per share each day, with precipitous gains and losses.
4. Big Investments with OPM. Other People's Money, the term often used in real estate investing is also true in the stock market. You can find yourself borrowing in a Margin account and if the investment goes against you, you now may owe money that the firm wants back. You can be forced to sell investments that you made in order to meet the "margin call". It may be very unwise to take on large margin positions in an account that you are managing your nest egg in as when you sell out of the position to meet the call, the loss is real. You have very short time frames in which to meet the margin call by either selling out of a position, adding additional capital, or additional non-margined securities.
If you, or a loved one is considering on-line investing, consider limiting the amount of capital used in this type of investing to a small, say five to ten percent portion of your entire investment portfolio. This assumes that the other ninety to ninety-five percent is professionally managed and diversified. Look at on-line investing for the elderly as risk capital. There is typically no opportunity for the older on-line investor to build up his or her nest egg once it it lost due to poor investment decisions or an "irrational" market. Even the professionals lose money, other people's money, so recognize the risk of your own investment. Will Rogers once made the comment that he was not as interested in the return on his money as he was in the return of his money! This would be a good guide for the elderly on-line investor.
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