Author: Stock Trader Guru

10 Questions to Ask Before Trying That Commission Sales Gig!

It seems like a long time ago when what we used to think of as “good jobs,” those that offered solid salaries and bonuses and nice benefits, were plentiful These days, especially in selling, you’re more likely to scan employment listings and see “straight-commission” compensation schemes. Essentially, these are pay-for-performance opportunities. If you perform, you get paid; if not, then not. It’s Darwinian, a survival of the fittest atmosphere. Still, commission jobs tend to offer higher than average potential, and if you can stick it out until the spigot flows, then you can thrive. Here are 10 questions to ask any employer offering a straight commission pay plan: (1) How long have you been in business? Beware of start-ups, because no one really knows whether their business concept will succeed. (2) How well is your top salesperson doing, financially? Key question, this one is. If you hear a solid number, divide it in half and that’s what you’ll probably earn during the first few months. (3) How long did it take for him or her to get there? This is a vital cash-flow matter. Can you survive until you start seeing regular paychecks? You may not have the time to invest to go from A to B. (4) How long until your best seller made his first sale? Did he get lucky and close someone on the first day...

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12 Tips to Become Financially Fit in 2015

By now every friend of mine knows that I am working in a Finance domain. They have started teasing me now-a-days. Recently when we met for New Years Eve, one of my friends asked me what's your "financial resolution" for this year. How much are you saving and planning? Let's keep these teasers away. But I am sure most of us are worried about money at start of New Year (actually we are always worried about money. I have compiled plain and simple tips to keep you financially healthy and can be followed easily. 1. Become your own CFO You can not take control of things which you do not know. To take control of your money you need to first check where you are spending it. Track down what and where you are increasing your money. Nobody cares about your finances more than you. 2. Go on a diet Please do not close the window. I am not suggesting you to stop eating. I am asking you to track down that one expense (unimportant expense) which is not allowing you to achieve your goals. It's a fable in finance, if you can avoid certain expenses for 30 days you can avoid them easily for near future. Example: Simple expense to choose is buying online clothes. If you have an urge or habit of buying clothes (let's say T-shirts...

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Where to Invest Right Now

During the housing boom, mortgage lenders were allowing just about anyone to buy a house or refinance their existing house. We have seen the result of such liberal lending practices in the form of the largest foreclosure crisis in history. Many real estate investors take a careless approach in times like these; buying houses anywhere, certain that appreciation is right around the corner to make them instant millionaires. Before you go on a buying binge, you'll want to note some sobering indicators of what the market is actually doing as of April 2010: One in 14 mortgages (3.5 million) are at least 90 days delinquent as homeowners have realized that banks are more willing to reclaim their homes than modify their loans. These homeowners are literally walking away from their homes, and their mortgages, as two million of these mortgaged homes are over 180 days delinquent. If you thought that the real estate market was on the brink of improvement, think again. The delinquency rate of mortgaged homes is 65% greater now than just a year ago. These numbers are a telling reminder that prospective homeowners and active investors will need to hold on for several years before the market cleanses itself, causing prices to rise again. Current foreclosures will take years to work through the system and hit the market. Banks are overloaded with inventory and we have...

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Tax Lien Investing 101: The 4 Things You Need To Know

There are 4 things that you need to know about the state/county that you are investing in before you purchase a tax lien. Those 4 things are: 1. The default interest rate 2. The bidding procedure 3. The length of the redemption period 4. The expiration or life of the lien Default Interest Rate The default interest rate is the interest that the county charges the delinquent tax payer when they fail to pay their taxes on time and it’s what the investor will get on the lien amount if the interest rate is not bid down at the tax sale, which brings us to the importance of the second thing on our list, the bidding procedure. Bidding Procedure Each state has its own method of bidding. In some states the interest rate is bid down and in other states the price of the lien is bid up – this is known as premium bid, or overbid. One state (New Jersey) actually does both, the interest rate can be bid down to 0% and then premium is bid on liens. Both of these methods have the effect of lowering the interest rate that the investor receives on the tax lien. In some state neither of these methods of bidding are used, but the ownership interest in the property, should the lien not redeem and the investor foreclose on the...

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Idaho Investment Property Holds Its Ground in These Uncertain Times

It seems that every time a person watches the latest news reports on real estate in the US the news is bad. The fact of the matter, is that the entire US real estate market has not gone to hell in a hand basket as the news reporters would like to have you believe. Just as some market areas have taken a hit worse then the national average, so too have certain market areas fared better. In fact, some market areas have thrived due to business as well as demographic realities that prevail in those certain areas. One of those real estate markets is Manhattan commercial real estate, that is in fact booming right now. Still one more real estate market niche is Idaho investment property, with some areas such as the greater Boise area doing better than others. In fact, during this last year while markets across the US slid in a steady decline, the greater Boise Idaho showed an average 12% appreciation on real estate investments. The largest reason for the growth in the greater Boise area and Idaho in general, is due to the influx of retiring baby bloomers who have targeted Idaho as prime retirement country. Cool-to-mild climate and plenty of elbow room along with a relatively low cost of living are just a few of the things that make the Idaho investment property market...

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Hype for HYIPs – New Advertising Era Is Coming?

Every program administrator should start thinking about program promotion long before actual program launch. An effective and carefully planned promotion campaign can make the program famous in a few days and can guarantee a steady traffic of investors. In the HYIP world program promotion does not anything to do with search engine optimization (SEO) used to promote websites. People invest in SEO when they want to increase the number of visits to a website from search results. But think about it: how many investors use Google to find new investment opportunities? Plus you should know that successful SEO does not always result in increased investments or sales. You should discard SEO in the very beginning: it will be a waste of your time and money. Here is what you could concentrate your promotion efforts on: banners, listings or monitor websites, paid sticky topics on discussion boards, paid posters crowd (smart or hidden marketing campaigns). Banners MMT Investigation Bureau conducted an interesting survey not so long ago. We wanted to know how effective banners really are and what outlet you can expect by using banners to promote your program. We have contacted many listing websites that have advertising spaces and offered them to provide us with free advertising space for a week strictly for survey purposes. Our survey was simple: we put a banner on a monitor website for a...

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Photography Information – Selling Stock Photography

The photography information that I have for you today is about selling stock photography. If you are going to sell your photography on the internet as stock photography you will want to know a little about negotiating licensing fees for the images that you want to sell. Now at first it may seem a bit intimidating but it does not have to be. All you need is a few steps to simplifying the process. You will be able to easily determine a fair and justified fee and not run the risk of losing a sale. There are basically two ways to sell your photography, first way would be that you set the price that you want for your work and the other way is when the client tells you what amount of money they are willing to pay. Once the client sets a price it will be up to you to decide if you are willing to accept their price or if there is room for an attempt to negotiate a price that is more to your favor before you agree or disagree. Needless to say that it is very rare that the client offers to pay to much. So what do you ask for? How can you determine a usage fee? In today’s market the prices are all over the place. A lot depends on what the image...

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How to Gain More Than You Invest in Reading

Are you really reading? You may have found yourself in a position something like this before. You have a book that you will be quizzed over in your next college literature class, only your chums convinced you to hit the big party at the fraternity the night before. Or maybe you just fell asleep reading it. Next morning, mind fuzzy and hungover, you thumb through James Joyce’s Ulysses in an hour, over Fruit Loops and strong coffee. The book reads like an elaborate joke written for hungover college students. Still, maybe you remember a detail or two and get a couple points you wouldn’t have received on the quiz otherwise. You gained something. Not much. I’ll confess to having just an hour to prepare to teach The Old Man and the Sea by Hemingway, which I had somehow not yet read, to a chipper group of 60 college students. Luckily, it’s short. But, suppose your boss tosses you a 50 page white paper that you need to report on in 20 minutes. Regardless of the circumstances, you do a lot of different kinds of reading from emails to biographies, and your brain adapts to the needs of the situation (or not). The more skilled you are as a reader and writer, the easier this adaptation becomes. Reading with a purpose A spectrum of reading exists, from the challenging to...

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On Google's Franchise (and McCormick's)

Google has a competitive advantage. In fact, one might even say it has a franchise in web search. I would not say that. I mean, Google does not have a franchise; But, it does not have a monopoly on web search and never will. There are real problems with Google's model that are often overlooked. It does a poor job of finding certain sites that are difficult to describe in keywords. For this reason, there may still be a market for web search in the form of specialized niche directories and in some of these "social search engines" (eg, Stumble Upon) for many years to come. I'm not suggesting any of these services will be as successful as Google; I'm sure they will not be. I am simply pointing out that there is a difference between a need and the means by which that need is satisfied. Even as the dominant search player, Google will only have a franchise on the means (keyword search); It will not have a franchise on the need (finding stuff on the web). Also, Google can not, at present, actually be called the dominant search player. There is no dominant player in search. Google is the leading search player. It is also the catalyst for many changes in search. But, it is not yet the dominant player in search the way McCormick (MKC) is...

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Promissory Note Investing – Being Successful Vs Being Road Kill

Understanding Basic Valuation Rules and Concepts Should an investor understand the valuation process? Financial decisions made today will influence your emotional and financial comfort for years to come. If you work with experienced investing counselors, or if you do your own investigations, you should understand the valuation process. After all, it's your savings and your future financial security being put at risk when making any investment. The goal is to maximize your wealth and income and minimize your losses. Failing to understand the valuation process will lead to sub-optimal decisions and impede your ability to live well in the future. Lack of understanding the basics will cause losses. What are the key investing concepts and rules to follow? Estimating the future cash flows expected over the life of the asset is a primary goal. The goal of investing is to increase cash-flows; The cash-flows can come regularly, or sporadically, or at the end of the holding period, but they must come sometime or the investment is unsuccessful. Estimating the risks related to investment is a primary goal. Every investment carries risks; There is no risk-free investment. The challenge is to identify the risks, quantify them, and put a numeric value on them. The goal of investment risk-taking accepts only those risks that will allow you to "sleep well and have minimum worry". Investing should be a comfortable activity, not...

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Biggest Asset Or Liability – Which One Are You?

What is your largest asset? In accounting, you've probably list your home, car, boat, etc. But many fail to realize that there is a financial freedom resource that is more important than any of those things. It's the one resource that can make you millions and at the same time cost you millions. – You – You are your largest asset. You are also your biggest liability. Whichever you choose to be is reflected in your finances. If you notice that your bank account has more money flowing out than in, you're probably a liability. But do not lose hope because there are ways to transform yourself into being your greatest resource. When it comes to finances, there is one thing that is important to your wealth. Financial Education In regards to investing, many people fail to invest in themselves. Some do not want to bother reading, studying, and going to seminars. They feel it's a waste of time, energy, and money. We feel that focusing on the resource between your ears actually saves you those things. Put in time towards growing your knowledge on money. As with health, you can not depend on anyone to workout for you, lose your weight, and chew your food. The more you know, the healthier you can be. Many individuals give their money to their brokers and planners without fully knowing what's...

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