Monday, June 29, 2020


Saving money seems like a daunting task. Simply placing money in the bank yields a very small return of interest to make up for the loss from inflation.  To save money for retirement one must place their savings into equities. It is normal for people to allow their employer to take care of this for them. A certain percentage of ones pay goes into a 401K investment plan. Often the employer will match a percentage of the employee’s contribution to encourage participation. Investment has become a major industry. For the average person this entire process appears to be mysterious. The employee receives a statement four times a year. The statement shows the individual the value of their investment. A description of overall investments is also on the statement. As an employee, I too participated in investing in an employer sponsored 401K plan. I only cared for the bottom-line monetary value each quarter. The rest of the quarterly statement found its way into the waste basket. I remember the arbitrary nature of the stock market with its financial cycles of boom and bust. One quarter my investments were doing well than along came another quarter where I would lose thousands of dollars. As a software engineer, I began to wonder if I could write a computer program that could do a better job of investing my money. This is precisely what I have done. To see the results, look at my web site

The investment strategy I have adopted is to purchase around 1,500 dollars’ worth of equity a week. In this way, I do not worry about when the market is best suited for buying opportunities. I invest money slowly. I buy around 500 dollars’ worth of an individual equity at a time. That means that each week I invest in the equity of three different companies. I become highly diversified just like a mutual fund. There are times when I slow my purchasing down and do not buy anything. The market may be in a slump. My computer investment software monitors the overall health of the market and makes this decision for me. Another thing my software does is determines when to sell stock. Order suggestions to buy or sell equities are on my web site To use the investment strategy, one must start being frugal and save money. Instead of keeping your savings in a bank, you just deposit money into an online broker account. Then you can start purchasing stocks using the web site  I have been applying this strategy for almost twenty years. What will start to happen is you will accumulate equity investments. After a year or two, you will have stocks also sell during the markets peek time. Now you will have extra cash in your broker account due to profit taking. You can either reinvest this money or withdraw it to spend. This investment strategy guarantees an effortless way for one to have spare cash in case of emergencies.

You can also invest with a 401k account. One can roll money over from an existing employee 401k. The money from the 401k account would use the same investment strategy. Only around 1,500 dollars would be invested a week. By now, the savings in the cash account would have accumulated. There is cash when needed. One should keep savings in mind. The money can be withdrawn as spending money. On the other hand, the money can go to a bank certificate of deposit. While the return is low so is the risk. This can easily be done through one’s online broker account. When the bank certificate of deposit reaches maturity, the money can be invested back into stocks. Or the money can transferred to a 401k investment account. This money will not be withdrawn until retirement. In this way one can build up their retirement savings. One starts off by depositing saved money into a cash investment account. After several years one will have an accumulation of cash due to the sale of stocks. The access cash in the cash investment account can be withdrawn and reinvested in certificates of deposits. When these certificates of deposits mature then the money can be deposited into a 401k investment account. After several years there will be an abundance of cash in the 401k investment account. Instead of reinvesting the money into equities one can also invest in bonds. The 401k investment account can have both equity and bond investments. In this way one does not place all their savings into the stock market. Also, one will always have cash available when needed. The cash can come from the selling of stocks or from the maturing of a certificate of deposit. This investment system relies on continual deposits into the stock market. The system also has a method of cashing in on market peeks so there is always an availability of cash. Free financial advice on equity buy and sell orders are provided by my web site

My goal with the web site is to provide a way for the small-time investor to purchase equities. My personal goal was to figure out a way to invest my money without the use of a mutual fund. I wanted to automate the decision process, so I could make small investments quickly. I also wanted a method of backing out of the market at peak performance times. This process too would be automated. The results of these efforts can be seen in my web site I have been doing this for almost twenty years. My web site is updated every Friday. If you have any questions you can contact me by email on my web site.

Monday, June 22, 2020


To make money in the stock market one must be willing to invest for the long term.  And one must be willing to budget some money each month for investment. My investment strategy advises one to invest no more than $1,500 a week. This may be too much money for many people to put aside. Don’t be discouraged. Just look at my weekly stock suggestions. I will have no more than three equity suggestions a week. Each of these purchases will be around $500. So, you could just pick the one you like the best and only invest in $500 for a week. You can pick and choose your investment strategy. Maybe you only want to invest $1000 a month. When you go to the web site and select the Current Positions tab you will find my buy suggestions. I show the stock name, the ticket symbol, and the suggested number of shares to buy.  I also show a brief description that will explain the nature of the company’s business. You can use the ticket symbol to do personal research on an individual equity. You can do this research right from your online broker. Whatever you buy you can keep tabs of the percentage gain or loss on my web site. If you place an order at the exact same time as I do than our stock purchase prices will match. My equity buy tips are posted on the weekend. By placing the order on the weekend, you will synchronize your stock purchase with mine. The transaction will not go into effect until Monday morning with the opening of the stock market at 9:30am EST (Eastern Standard Time).

Every week I update the home page and the portfolio section of my web site On the Portfolio page I update the yearly percentage gain and date of the update. This date will be on Friday after the closing of the stock market on 4pm. The percentage gain will fluctuate from week to week. This percentage shows the profit I have received from my investments in the past year. I back this percentage up by showing my individual stocks and what percentage of gain or loss they have made. One can look at this by clicking on the portfolio tab of my web site. You should place your buy order at the same time as I do. If you do your percentage will match mine. To synchronize your order with mine you just must make sure that your order is made before the stock market opens at 9:30am the day after I place my stock tip. Both our orders will be filled at the same time, so we will both pay the same market price.

Each equity purchase in my portfolio section will show a percentage of profit or loss in the past year. This will be calculated as such. If I purchase a stock for five hundred dollars and I sell it for six hundred dollars I, make one hundred dollars profit. This will be a profit of twenty percent. But if I have only owned the stock for one month than it is justifiable to multiply the twenty percent by twelve. This is to calculate twelve months in the year. Then my return will be two hundred and forty percent. If I have owned the stock for two years than it is justifiable to multiply the twenty percent profit by .5% making my return on investment ten percent. Anytime I sell stock I calculate the percentage gain or loss. This percentage will stay the same for a year. When a year is up the percentage for the stock is no longer calculated into my total percentage. This shows an accurate view of one year’s profit. When a stock is sold the money is reinvested in another equity purchase. This purchase will be calculated into the total percentage. For stocks that are still owned the profit percentage will fluctuate from week to week.

There are two other variables that influence the profit percentage for an individual stock. One is an expense and it is the commission fee of buying and selling equities. Recently this expense has been lowered to near zero. The other variable is a profit that is distributed to the stockholder in the form of dividends. For each investment I show dividend payments received in the past year. Each month new dividend payments are recorded while the dividend payments from over a year ago are dropped. When calculating dividends into the profit percentage I figure in the dividends received in the last year and I add this percent to the overall percentage of profit due to equity value.

The investment strategy shown in the web site takes advantage of profit taking. Stocks are sold at a profit using stop-loss orders. If the stock goes up in value the stop-loss order price is raised. When the order is eventually filled, and the stock is sold then profit is guaranteed. When beginning this investment strategy, it will be necessary to continue depositing cash in one’s online broker account. After a couple years of investing one runs into a different problem. This is the problem of having too much cash on hand. With all the extra cash available due to profit taking it will become easier to have $1,500 cash available for investment each week. And one will still want to set aside savings each month for investment. But there are times when major corrections in the market will cause lots of stop-loss orders to be filled. This will leave you with lots of extra cash in your online broker account. There are three things I will list for you to do with this extra cash. You can withdraw the cash and spend it. Or you could place the cash into a secure investment in the form of bonds or certificates of deposits. This is an effective way to diversify one’s portfolio so that all your assets are not invested in equities. You can do this easily through your online broker account. The third thing you can do is deposit this money into a 401K online broker account. In this way you can continue to follow the investment strategy of the web site without having to pay taxes on the profits until retirement. You will find a great deal of flexibility in saving options. You still can use your regular cash online broker account for your children’s college fund while still setting aside retirement money in your 401K account. Both accounts will be purchasing equities. There will also be certificate of deposits or bonds reaching maturity. You will have to decide what to do with this cash. My hope is that this article makes investment seem easier.