There are risks involved in all investing. The skill of investing is knowing which risks are worth taking, and which should be avoided. Finding and knowing which risks to take is the essence of good investing and the whole reason that investments can pay such a high reward. It cannot be done without careful research and analysis. You must give yourself every chance to make the right decision. Investing without carrying out sufficient research is like playing roulette. You are giving yourself virtually no chance of covering your investments and avoiding disaster.

There are certain steps you will have to take in order to give yourself a fighting chance of being a successful investor. If you are considering investing in company shares on the stock market, then you should be aware that all publicly traded companies must provide investors and potential investors with access to company financial data. This data is generally available from the company so if you are considering buying into a company, then get access to this information and satisfy yourself that the company is in a good financial state before parting with any money.

Be Aware

If you do research a company, and are taking a look at its financial position, then you should look back two to three years into the past. You probably don’t need to go back further than this but if you go back less, there may be important trends in the finances that you will miss. Take special note of the quarterly statements and the revenue and earnings per share.

You should be trying to identify trends in certain figures. While these are no guarantee of what might happen In the future it is undeniable that an upward trend in revenue and profits will be a positive sign to look out for.

Once you have satisfied yourself with the basic financials of the company and that the prospects of making good profits into the future are favourable you will be in a position to consider putting money into the share. There is an ongoing debate over whether it’s preferable to buy shares that will increase in value, or shares that pay good dividends and the answer to this question must always lie with the individual investor. What must be remembered however is that there is little point in chasing dividends. This refers to the practice of buying a share just before a dividend is expected to be announced. The price of the share will already have taken the dividend into account so you will be paying for it in any case.

Joseph Kenny is the webmaster of the loan information sites http://www.selectloans.co.uk/ and also http://www.ukpersonalloanstore.co.uk At the Personal Loan Store you can find some of the latest personal loans explained in detail.

Many of us spend years looking for the holy grail trading system. Signal services can be a great way to use someone elses carefully developed system. By following a trading system, market condition will at times be favorable to buy and at other times be favorable to sell. Clearly defined conditions give ’signals’ that the educated investor can read and act on. Signals are not as crucial for the long term investor. For these people, market conditions and the value of particular companies can be watched on a daily basis. For day and what we call active traders, however, signals are crucial for acting quickly on stock market movements.

Investors who treat trading as a full-time job have the time to watch the market movements for signals. Oftentimes, however, signals can be automated and integrated into trading software. The investor can choose which signals to be alerted about and they will automatically appear on screen. Software signals are usually only available by subscription and some services charge hundreds of dollars a year for a complete package. This includes trading software and access to up-to-the-minute charts for the latest information about the stock market.

Investors who don’t have the time to watch the market closely can subscribe to services which publish signals on a daily or hourly basis. These services may employ market analysts who may follow several indicators to arrive at a particular signal. More commonly, however, their systems are completely automated with signals being generated by software which examines market conditions. Some of these services have a better track record than others – make sure you get a free trial before purchasing. Also, make sure you paper trade some of the signals first and see if they truly match up to reported results. This is the best test before spending your money on more books and software.

With any third-party signal provider it pays to know how the signals are being generated. Since there are such a large number of market indicators some of them may contradict each other. In addition, a particular indicator may send out conflicting signals depending on the time frame.

Market conditions also play an important part on the accuracy of indicators. During upswings in the market, for example, trend indicators will send out buy signals but longer-term oscillator indicators will view the market as being overbought and send out a sell signal. Generally speaking, trend indicators are most accurate during trend conditions and oscillators are best during times of transition. Both types of indicators are often in variance with the other.

Depending on the type of service you sign up for, signals can be delivered by email on a daily basis, available for viewing on a website, or be integrated into your trading software so that popups appear on your screen for particular signals that you are watching.

Companies which provide signals usually offer their services on a monthly basis. Some are quite expensive – as high as several hundred dollars a month. These are obviously aimed at the professional trader but other services are also available at more reasonable costs. Keep this in mind. We have frequently seen peoples with $1,000 to invest pay $200 a month for a system. That system might be great, but is it really going to make enough every month (20%+) to cover just your fees? If your starting capital is small, so must be the investment you make in signals.

The value of these services has to be weighed by the individual investor. They can be a great time saver but they may also encourage laziness when it comes to analyzing the market. A knowledgeable trader should have the tools necessary to judge the effectiveness of a signal system and do some of the calculations himself to keep on top of the market. Finally, make sure your signal service provides an exact strategy when to sell. When to sell is usually what is the difference between the small number of super successful traders and the larger numbers of unprofitable traders. If there is no exit strategy, you do not have a system and you’ll want to move on. The best signal services give non-subjective entries and exits.

Anthony Trister provides stock trading analysis and investing advice and reviews at http://www.stock-trading-resources.com

Stock splits are one of the most powerful stock-moving mechanisms. They became rather sparse when the market bubble burst, but when the DOW and NASDAQ moves much higher, more splits are announced.

Many analysts say that stock splits don’t mean anything. BALONEY! What they mean is that the "values stay the same." That is true. For instance, if you own 100 shares of XYZ at 100 dollars per share and the company does a 2-for-1 split, the next day you will have 200 shares at 50 dollars per share. The "value" is the same because you had 100 X100 which equals 10,000 and now you have 200 X 50 which equals 10,000.

But the analysts don’t take into account the profound psychological element of a stock split. That is the part that analysts cannot measure and therefore rarely mention. At InvestYourself, however, we understand the power of the stock split and bring winning split plays to you every week.

When a split is announced, you often see that stock rocket up on the news. More times than not it falls back after a few days and wanders around fairly aimlessly for a while. Many people call this the "flat’ period or "dormant" phase.

Then something interesting takes place. A good company’s stock will begin a rally about 10 days to two weeks before the date of the actual split execution. Why is that? Remember when the split was announced the stock popped and then fell back, often to BELOW where it was when they announced the split? On that first run-up, VOLUME came into the stock. The news was exciting, and tons of shares were purchased in a short period of time.

As the split execution nears, buying volume starts picking up and the share price rises. We call this the beginning of the "split run." Why does volume increase? For number of reasons, but the main one is the excitement returns to the stock. Some people want to own that stock before the "date of record" and buy into it for any dividends that might be disbursed. Others want it because they know they will have twice as much stock after the split.

We buy it because history shows that more times than not a great company will indeed run into its split! If you look at hundreds of charts from hundreds of companies you will see the pattern over and over. Unless the market is very weak, the stock chart will show a definite move to the upside right before the split execution.

Sometimes a split runner will run right up to the execution day and other times it sells off ahead of the execution. With this in mind, you should consider taking out your profits the day before the execution day. What do you do with a runner with huge momentum that looks like it could get more the next day? Use your stop loss to lock in profits without too much worry of it reversing and falling

Naturally there is never a rule that works every time, but for the most part getting in about three weeks (15 trading days) before a split executes and selling out the day before or the morning of the split still has a winning rate of about 80%. Those are good odds in any venture.

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The stock market often tends to close the week in the middle of a short-term trading range. SPX closed last week at about 1,259 1/2. Short-term support is at 1,246 (previous four-year high) and short-term resistance is at 1,273 (recent 4 1/2 year high). The trading range may continue next week, which is options expiration week.

Normally, options expiration weeks are volatile, and there are many events next week that will contribute to volatility. OPEC meets on Monday, the FOMC announcement is Tuesday, there are many important economic reports throughout the week (listed below), data on the holiday sales season will be reported, and oil prices will continue to influence the market.

The two charts below are SPX and OIH (oil ETF) daily charts. The central tendency of SPX next week may be 1,260. So, if SPX falls to the low 1,250s, that may be an opportunity to buy calls, and if it rises to the high 1,260s, that may be an opportunity to buy puts. OIH is relatively overvalued (compared to SPX and oil prices), because it has been rising into the OPEC meeting. However, OIH may pullback to around 125 sometime next week, and puts may be a buy.

Next week’s monthly or quarterly economic reports are: Monday-Treasury Budget, Tuesday-Retail Sales, and Business Inventories, Wednesday-Trade Balance, Export Prices, and Import Prices, Thursday-CPI, Empire State Index, Industrial Production, Capacity Utilization, and Philadelphia Fed, and Friday-the Current Account. The weekly retail sales report is Tuesday, the weekly oil inventory report is Wednesday, and the weekly unemployment claims report is Thursday.

The Nasdaq 100 was rebalanced after the close Friday (12 stocks were replaced), which may contribute to volatility Monday. The OEX Dec Max Pain point remains at 575 (with the value of calls far greater than puts) and QQQQ Dec Max Pain remains at 41 (with the value of puts far more than calls). OEX closed at about 574 3/4 and QQQQ closed at about 41 3/4 Friday. The second half of December is normally bullish. However, there are concerns about the "consumption bubble," created by strong housing demand over the past few years (consumption represents two-thirds of GDP).

Charts available at www.PeakTrader.com Forum Index Market Overview section.

Arthur Albert Eckart is the founder and owner of PeakTrader. Arthur has worked for commercial banks, e.g. Wells Fargo, Banc One, and First Commerce Technologies, during the 1980s and 1990s. He has also worked for Janus Funds from 1999-00. Arthur Eckart has a BA & MA in Economics from the University of Colorado. He has worked on options portfolio optimization since 1998.

Mr Eckart has developed a comprehensive trading methodology using economics, portfolio optimization, and technical analysis to maximize return and minimize risk at the same time and over time. This methodology has resulted in excellent returns with low risk over the past four years.

What is you investment approach? Let me explain why I ask you. Most people start by buying a mutual fund. If you want to know more about investing you can start by investing yourself. Then there are more options. What is not really possible with a fund, becomes interesting when dealing with stocks and options; Technical analysis (TA).

So your portfolio has now a few funds, some stocks and options. You can manage the funds by observing the fund service, they give you leads to buy, switch and to sell. For the stock you can use the technical analysis.

Again, you find out some more and you analyze the stock in portfolio on a more fundamental way. You “split” your portfolio in parts where one part is monitored by technical analysis, the other by fundamental analysis and the last (funds) are assessed by your bank.

At the end of the (first) year you have made a absolute return of x-percent and relative to the main index (what would that be for such an portfolio, but leaving that aside) you have a small underperformance. But not for the part technical monitored.

That part was going well so you decide to increase your method on that behalf. However, the market is going down. You have to sell all the stock in portfolio – according to the TA –

When observing the newspaper you find out that you fundamental monitored stock were indeed not real candidates for selling. The market is still down, but those stocks are performing well. So you decide to buy them again. A few months later the market is going up, but the fundamental ones are underperforming again. So you sell them and buy new ones with a technical approach, back in favor.

At the end you know that one approach seems to fit best with your personal style. That can be the approach you’ve started with. It can not be switching from one method to the other.

As it is in business. You can try to catch them all, but you will fail in the attempt.

© 2005 Hans Bool

Hans Bool is the founder of Astor White a traditional management consulting company that offers online management advice. Astor Online solves issues in hours what normally would take days. You can apply for a free demo account

In a volatile market such as stock trading, learning how to trade stock is crucial, there is no sure fire way of continually posting growths in profits for any investor year after year, stock after stock. It is statistically impossible.

This is true simply because of the unpredictability of the market. The lack of an accurate prediction tools and the lack of a consistent trend for any stock only compounds the problem.

The greatest myth about how to trade stock successfully is the need for the investor to be able to predict the stock market’s movements. People incorrectly assume that stocks bounce around the range forever and therefore they must be able to predict a trend in the movement in order buy stocks during their lowest value and sell them at their highest peaks.

This is grossly incorrect.

The best way to make money in the stock market is to avoid approaches that rely on stock market predictions.

If you look at it, a conscious action of predicting the market is no better than buying a stock and holding on to it for a long period.

The reason behind this is because there is simply no way to predict stock performance. There is no person who can accurately predict stock movement consistently, all of the time.

An analyst may be able to predict a stock’s performance in the immediate future but rarely in the long term. The analyst may predict next quarter’s performance, or even for the entire year. But it is statistically impossible to predict stock movement correctly quarter after quarter, year after year.

A good way to learn how to trade stock is to formulate your own strategy. Consider the following:

Take time to do a careful evaluation of the history of a stock’s performance.

Keep up with the latest news and stock market reports

Study the structure of successful mutual funds to see how their investment strategy is done. You can choose these funds to choose the best they are composed of and build your own portfolio from them.

It is best to invest in a stock that has good dividend and growth.

Invest in stocks that have a history of progressive gain.

Evaluate the type of sector your company deals with.

Again, there is no specific and proven strategy that consistently reaps profit for any investor. Stocks are volatile and any strategy that proves reliable today may prove entirely worthless tomorrow.

The best way is to study several stocks and consider them as long-term investments. These may take you longer before you post any profit, but it beats putting all of your eggs in one basket.

Article by Ray Mills, webmaster of http://www.find-information-about.com A complete resource to help you understand how to trade stock. You’ll find answers to basic stock market questions, as well as up to date news and information.

In life, you have to learn to walk before you can run. In the stock market, you have to learn to lose before you can truly win.

Sure, your first trade may be a winner, but to consistently make money in the stock market you have to learn how to lose. More to the point, you have to learn how to cut your losses.

The majority of people who dabble in the stock market see themselves as smart, educated and sharp. Self-belief is great. The most successful people in the world have a strong belief in themselves. Some of the most unsuccessful people in the world also have a strong belief in themselves. So what’s the difference between the successful and the unsuccessful?

One major difference between successful traders and unsuccessful traders is the ability to admit when one is wrong. A successful trader will cut their losses before they get out of hand. An unsuccessful trader will let their losses grow in the false belief (hope) that things will pick up.

It would be nice if every stock pick was a winner, but when you get the odd loser you better make sure you cut that baby lose before you lose some big dollars.

The Stop-Loss

Before you even consider entering a trade, you should determine your stop-loss point. Your stop-loss point should be set at a price that you’re willing to sell your stock at should things turn bad. The price you pick will vary depending on your financial position and the particular stock being considered.

You may want to set a stop-loss exactly 8% under your purchase price, or you may want to set it just below some clear resistance in a chart (if the stock falls below the resistance level, you can be fairly sure things will continue South for a while). The most important thing is to test your system. If you set your stop-loss too close, you’ll never be in the game when the stock turns good. If you set your stop-loss too far away, you’ll end up losing too much money.

Remember, the main aim is to make a profit across your entire portfolio. Imagine you owned $1000 worth of 5 different stock. You set a stop loss at 10% current market value; so if the value of a single stock drops to $900 you’ll sell at that price. Even if you are wrong with 3 of the 5 picks (a $300 loss), you only need to make 15% on the remaining 2 stocks to break even. What if those remaining 2 stocks made 50% (which is very realistic if you pick your entry right).. You’d actually profit $700 across your entire portfolio despite the fact 60% of what you picked were duds!

Starting with 5 positions worth $1000 each: $5000
3 losing stocks lose 10% each: -$300
2 winning stocks make 50% each: +$1000
Total = $5700

Modern trading systems have completely automated stop-loss systems. This makes it so easy to set stop-losses that you have no excuses for losing big in a single trade anymore! In fact, you’re mad if you don’t take advantage of stop-losses. The only trick is setting them wisely. You’ll learn how to plan and time your entry and exit points on this site over the next few months.

Until then, good luck and keep on learning..

Learn how to win on the stock market by following the Australian Stock Market Technical Analysis web site.

If you’ve been considering making an investment but aren’t exactly sure what you should invest in, you might want to consider making an investment in bonds. An investment that is usually grouped together with stocks, many people aren’t overly sure what bonds are or how they operate… a lack of understanding that can cause some people to overlook a potentially lucrative investment opportunity.

If you’re one of these people and have been wondering exactly what bonds are and how you should invest in them, then read on… the information below was designed for you.

Defining Bonds

The first thing that you need to know before investing in bonds is exactly what bonds are. Bonds are a type of loan certificate issued by governments, states, and some corporations for a period of time greater than one year, as a means of raising money… when you buy a bond, you are for all intents and purposes loaning that amount of money to the issuer.

Bonds generally pay an interest rate to the purchaser, building interest until the bond matures at which point the original investment is repaid along with the interest that has been accrued along the way.

Researching Bonds

The history of bonds can be researched in much the same way that the history of stocks can be, though there isn’t as much potential for great profits or losses in the bond market due to the bond’s nature.

Information that can be gathered on bonds includes the issuer of the bond, the date issued, and the date that the bond is set to mature. Some other information may be available as well, depending upon the method used to research the bonds.

Advantages and Disadvantages of Bonds

Since bonds are considered to be a type of loan, there is a bit more security in bonds than in stocks in the instance that the issuer suffers financial setbacks or goes under. Since they are generally being repaid with interest, there is not the same fear of sudden loss of value that is associated with stocks. Bonds are also considered to be a debt of the issuer, and bondholders are given the same priority on the issuer’s income as other debts in the case of financial problems.

Unlike stocks or equities, however, bonds do not convey any portion of ownership or control in the issuing agency or company.

Choosing Potential Investments

When looking at bonds to potentially invest in, you should take into consideration the issuer, the interest rate that is being paid on the bond, as well as the date that the bond was originally issued and the date when the bond is set to mature. Ideally, you would want to invest in bonds that have good interest rates over a longer period of time, though this means that your investment won’t mature until that time has passed.

Choose your potential bond investments based upon this criteria in order to find the bonds that will pay out the most to you upon maturation… some shorter-term bonds may also be chosen if you’re wanting to try and reap some profits in less time, however.

Deciding to Invest

When making your final decision to invest in bonds, you should make sure that you can afford to invest in a longer-term investment than you may be used to.

Some bonds may take several years to mature, at which time your investment will pay off… just make sure that you understand the patience involved, and you’re sure to get the most out of your bond investments.

You may freely reprint this article provided the following author’s biography (including the live URL link) remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

No matter what your reason is for picking a stock; a trend, technical analysis of charts, or company fundamentals, there are some fundamental online stock trading questions you must answer before making a trade. Answering these questions should be an integral part of your decision making process, and should occur on every trade you ever make. The question that I am going to discuss in this article is almost self-explanatory. As a trader, you have to ask yourself, is there a compelling reason to believe this trade will work?

Before buying any stock, you must be able to articulate a solid reason why you believe the stock`s value will rise in the immediate future. If you`re shorting, you must have a good reason to believe its value will drop. Some traders get into positions for reasons that have no logical basis. I`ve actually heard people say they bought stocks because they `wanted to see what the stock would do,` they `like` the company, they think the stock is `due for a breakout,` or they think that it would be `a fun stock to own.`

`Wanting to see what a stock will do,` sounds a lot like gambling. Throw some money at it and see if you win or lose. There is no place in online stock trading for a gambling mentality. As for `liking` a company, that`s a bit naive. The company doesn`t like you, and its management and board of directors don`t like you. They have no idea that you even exist. Emotions should never be the basis for making a trade. It makes no sense to `like` a company. Companies exist to make money for their shareholders; your goal is to identify trades that you can make money from.

Finally, some traders buy beaten-down stocks that they think are `due for a breakout.` There is no rule that says that a company which has performed poorly in the past will rebound. Companies go out of business every day – nothing says a company has to return to profitability or its stock price has to rise. You should keep this fact in mind.

If you always use sound reasoning to pick stocks and have a good reason for each trade, you will greatly increase your profits. And there are other benefits as well. For instance, you`ll be much less inclined to purchase a stock impulsively or to get into a play on the basis of a `hot tip.` You should never make a trade unless you absolutely believe it will be a winner.

Some trades may seem stronger than others, so put more money into the strong ones and less into the weaker ones, but never go into a trade not knowing whether it will work. Why would you make a trade that you think won`t work? You won`t always be right, but at least you`ll be following convictions that are based on logic and reason, and will be able to analyze your trades if they go against you. This will allow you hone your technique and your understanding of the market, to make every trade better.

And, because some trades won`t work out, always set stops on all trades. This will keep you from losing significant sums on the trades that go against you. You should always employ sound money management principles when online stock trading. But, before you set your stops and take your position, know that you have a sound reason for thinking each trade will work.

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Have you ever started an exercise regimen, only to see that you aren’t getting the results you wanted? It’s awful common, yet sometimes the real reason eludes the person. I remember being in a gym, where a young man of about 30 was trying to add some muscle and definition. He’d do three sets of this, and three sets of that. He’d split train his upper half one day, then his lower half the next. He worked so hard, and yet he wasn’t getting the results he wanted. He was getting stronger, and tighter, but his muscles wouldn’t grow in size the way he wanted.

This guy was indeed becoming frustrated, and of course because everyone seems to be an expert when you’re at the gym, I heard people telling him to do carbo loading, protein loading, work more on the "negative" side of the exercise, do super sets, you name it. The one thing I didn’t hear anyone suggest was that maybe he was over training. He was taking his routines from magazines like Muscle and Fitness, written by world class body builders. Was he a world class body builder? No, he was "Mike" a painter. I didn’t find it surprising that he wasn’t getting the results he wanted, he was training his body as if he was a true world class body builder, but in all reality he wasn’t.

I am not an expert on body building, but I’ve done my share, and I have a fairly good dose of common sense. So, one day I mentioned to him that maybe he was pushing too hard. His body didn’t have the years of recuperative experience that the guys in the muscle mags have. I suggested that he was stressing his muscles to the point where they should have been rebuilding even bigger and stronger, but before they could do any growing he was pounding them again. For what ever reason, he figured he had nothing else to lose, so he scaled back his intensity, and frequency of workouts. Almost immediately the results were noticeable. Within a month of his more laid back regimen, his arms, chest and legs had grown measurably. Doing less got him more.

Sometimes it’s the same thing in the market. Sometimes we push so hard, over analyze so much, that we find ourself doing more harm than good. Staring at a screen watching every tick higher or lower, starts to get your mind racing about every conceivable possibility on earth. Pretty soon a small downdraft has you mashing the sell button for a loss, and then five minutes later it’s back above where you bought it. Sometimes you can do so much research that you get information overload and then you do absolutely nothing instead of making a play. Because we are humans, our emotions usually rule us. But, in the investing game, emotions will rip you to shreds. The best traders and investors I have ever met have mastered the art of removing emotion from their investing.

This is not an easy thing to do. When you hit the buy button, money, real money that you’ve worked, for is now on the line. We don’t like to lose money, so our brain kicks into high gear. Instantly a completely normal ten cent downdraft is the end of the world. Panic sets in. You are convinced that you just bought the evil stock from hell, determined to see to it that you lose all your money. You sell out with a loss and sit back trembling. Whew, glad that’s over, you say. But more times than not, you look later and the stock is comfortably higher than it was when you bought it. You lost money, on a winning trade because you "over did it". You over analyzed. You pushed too hard.

In a trending market, you want to look for reasons to leave a stock in play. If there is a sound reason for it to weaken, then certainly you have to bail out and move on. But sometimes a stocks weakness is not because the stock did anything wrong, it’s some outside factor that influenced the problem. That’s what happened one Wed to a lot of traders. The market was supposed to be up. But even after tremendously strong numbers it was weak. So, it stands to reason that individual stocks were weak too. But was that a reason to sell out? Or would the appropriate thing to do, be trying to find out why the overall market was weak, and then make a decision as to what to do? Obviously the second choice makes the most sense.

The moral of this story folks is that sometimes it’s better to take a more relaxed approach. We aren’t in the business of scalping for pennies here. We are trying to enter stocks that are breaking out, showing momentum, or moving on news or product development. Sure there are going to be times when you enter a trade that seems to make sense and it will go haywire on you. Absolutely. But if the reason for the trade was sound, and all of a sudden you see the stock going the wrong way, it’s often best to sit back and try and find out if it’s stock specific or there is a wider situation going on. That Wed the market weakness was the result of a rumor that there had been some form of "incident" concerning a subway. Terror fears flared up. Stocks sold a bit. It would have been easy to just hit the sell buttons and bail out. It took some discipline to sit back, survey the overall land scape and decide that the trend was still intact.

Try your best not to over do it folks. Don’t stare at every tick. Don’t over analyze. This isn’t easy to do by any means. But I absolutely believe that you can all increase your winning percentages if you do indeed take a more relaxed stance. Sure you still want stops in case there is some calamity going down. But even stops aren’t written in stone. If something is about to stop you out, sit back a moment, look at the overall market, was there a rumor? Was there a report? Are the other stocks in the sector weak too? Downdrafts happen. Sell programs happen. They key is not panicking when they do. Don’t over think it. It’s not easy, but it’s necessary.

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