The Psychology of Investing in the Market

Stocks of the day: Healthcare

Shoebox — Mon, 31 Mar 2008 04:53:00 +0000

I like health care stocks. They have done well over the years. Today, I would like to compare two solid companies in which both you have used or heard of their products. First, Bristol Myers Squib. According to their website, the company was founded in 1887. It was formerly known as Bristol-Myers Company and changed its name to Bristol-Myers Squibb Company in 1989. BMS is headquartered in New York, New York. They have several drugs on the market with their flagship med, Erbitux. But, here are the real numbers. The company provides 5.8% dividend yield.

Second company, is Baxter. You may not have heard of this company, but you or someone you know have used their products if they have been hospitalized. Baxter International was founded in 1931 and is based in Deerfield, Illinois. Again, solid numbers, but the Dividend Yield is on the low side. Regardless, this company has been around for years, and as long as there are going to be sick or injured people here or abroad this companies products will be in demand.

Invest to buy and hold.

Stock of the day- BP Prudhoe Bay Royalty Trust

Shoebox — Sat, 29 Mar 2008 20:53:00 +0000

BP Prudhoe Bay Royalty Trust operates as a grantor trust. The company holds overriding royalty interests constituting a non-operational interest in minerals in the Prudhoe Bay oil field located on the North Slope in Alaska.

If you are looking for solid numbers, then look no further.. Low PE ratio, solid EPS and a wopping 13% Dividend..

Altria Group, Inc. Completes Spin-off of Philip Morris International Inc.

Shoebox — Sat, 29 Mar 2008 03:55:00 +0000

NEW YORK–(BUSINESS WIRE)–March 28, 2008–Regulatory News:

Altria Group, Inc. (NYSE: MO) today completed the spin-off of Philip Morris International Inc. (PMI) to shareholders of Altria Group, Inc. (Altria).

The distribution of 100% of the shares of PMI was made today to Altria’s shareholders of record as of 5:00 p.m. New York City Time on March 19, 2008 (the “record date”).

Altria shareholders received one share of PMI stock for every share of Altria common stock outstanding at 5:00 p.m. New York City Time on the record date.

As previously announced, Altria is moving its corporate headquarters to Richmond, Virginia.

PMI has mailed an Information Statement containing details of the PMI spin-off to shareholders as of the record date. The Information Statement and answers to frequently-asked questions (FAQs) are available on Altria’s investor website at www.altria.com/pmispinoff.

PMI shares will begin regular way trading on the New York Stock Exchange (NYSE) under the symbol “PM,” as well as the NYSE Euronext Paris and SWX Swiss exchanges, on March 31, 2008. Altria shares will continue to trade under the symbol “MO” on the NYSE. Both Altria and PMI will be constituents of the Standard & Poor’s 100 and 500 Indices, effective the same day.

Stock of the day- USA Mobility - Risky??

Shoebox — Fri, 28 Mar 2008 16:07:00 +0000

OK. I am not an investment advisor or an analyst. But, how is this company providing a 49% dividend with a negative EPS? It is losing earnings but providing almost 50% return for each share you own? Nice dividends but a risky stock to own. I’ve mentioned before that a low PE ratio with a positive EPS and a nice dividend return is a good buy.. But, this company is missing a couple of those characteristics..

About US Mobility: USA Mobility, Inc. provides wireless communications solutions to the healthcare, government, enterprise, and emergency response sectors in the United States

Habits for Wealth- Podcast #1

Shoebox — Fri, 28 Mar 2008 04:05:00 +0000

Download here

If you like to drink hard acohol- stock pick

Shoebox — Fri, 28 Mar 2008 00:00:00 +0000

Smirnoff vodka, Johnnie Walker scotch whisky, Captain Morgan rum, Baileys Original Irish Cream liqueur, JeB scotch whisky, Tanqueray gin, and Guinness stout. Its other spirit brands include Crown Royal Canadian whisky, Buchanan’s De Luxe whisky, Gordon’s gin and vodka, Windsor Premier whisky, Bell’s Extra Special whisky, Dimple/Pinch whisky, Seagram’s 7 Crown American whiskey, Old Parr whisky, Seagram’s VO Canadian whisky,

Stock of the day- BioVail

Shoebox — Thu, 27 Mar 2008 23:36:00 +0000

With $1.22 EPS, over 1B market cap and 13.8% Div.. and a PE ratio of 9. You can’t beat these numbers.

Smart ways to be frugal without sacrificing style

Shoebox — Mon, 24 Mar 2008 21:55:00 +0000

By Hillary Rhodes
The Associated Press

March 23 2008

With the country's economic health on the line, how can you save money
without suffering style? Here are some ideas to live the fabulous life while
still being frugal.

The complete article can be viewed at:
http://www.chicagotribune.com/features/lifestyle/q/chi-0323_frufabmar23,1,68
15953.story

Excerpts from the book "The Donald J. Trump "How to Get Rich"

Shoebox — Sun, 16 Mar 2008 05:49:00 +0000

Here are some of the excerpts from the book in which I felt are good quotes to highlight..

“I lost momentum. I was out of the world for twenty years, I came back, and I wasn’t the same.” Donald discussing about his friend, Mr. Levitt. “No matter what you’re managing, don’t assume you can glide by. Momentum is something you have to work at to maintain.”

“You’re on the runway, buy your feel supply is the problem. You won’t get off the ground without it. Feed yourself some positive thoughts and you can take off at any time.”

“Think of their criticism as a compliment, proof of your significance.”

“My parents were frugal in the sense that they knew it wasn’t easy to make money, and that it should be treated with respect. They lived well but simply, and were not flamboyant in their spending. We rarely went out to eat. We took relatively few elaborate vacations.”

“College kids today are more money savvy, perhaps, than kids from earlier generations. They seem serious about their money. This is a good sign, because the sooner you understand the value of money, the more likely you are to possess large amounts of it.”

“Don’t be confined by your expectations. Sometimes, what we think we want and what we actually want are two different things.”

“Beware of little expenses. A small leak will sink a great ship.”

How to Make a Million Dollars- Success Stories

Shoebox — Sun, 16 Mar 2008 05:43:00 +0000

by Lee Ann Obringer

If you’re feeling overwhelmed by the number of steps to take on your way to making a million dollars, check out these stories of ordinary people who became millionaires.

Neil McCarthy
Neil McCarthy started investing in the stock market when he was 34, in the 1970s. Today he has a net worth of about $2.1 million. When stocks went down, he bought more. He contributed the maximum to both his IRA and his 401(k) and his employer matched 100 percent. That’s truly free money — no risk. The big payoff came during the 1990s bull market when his stock doubled in three or four years, suddenly reaching $1 million.

He avoided technology companies because it didn’t make sense to him. He saw price-earnings ratios of 200 to 300 and “thought it was absolute nonsense.” This practical investing style saved his millionaire status when the market crashed. When he retired in 2000, McCarthy took his retirement payout as a lump sum. Just before interest rates started to fall, he invested part of the money in an immediate annuity and earned a bigger payout than if he had chosen the company’s pension annuity.

His number one piece of advice that made all the difference is this: “If you wait to save out of what’s left over from your salary, it’s not going to happen. Pay yourself first.”

James Moran
James Moran began by pumping gas at age 14 and getting his hands dirty running gas stations and fixing cars. In 1968, he acquired a Toyota distributorship and eventually added financing, leasing and insurance for auto dealers. Today he owns the world’s largest privately-held Toyota distributorship with sales of $7.6 billion. His net worth is 1.4 billion.

Petro Kulynych
Petro “Pete” Kulynych started at the bottom as the bookkeeper for a small hardware store in North Carolina, earning $25 a week. That store became the first in the Lowe’s hardware chain and Mr. Kulynych ended up a top executive. He is quoted as saying, “I live in a small town and I don’t stick out any more than the guy down the street who works in the service station.”

Mike Domek
Mike Domek started his business with $100 in 1992. He had run out of money for college and decided to try ticket brokering full time to save up for school. He launched TicketsNow, an online company, 7 years later. Domek’s projected sales for 2005 were $120 million and he did it without any outside funding.

Joel Boblit
Joel Boblit launched BigBadToyStore.com in 1999. He sold action figures as a hobby for extra money while he was in school. With the help of his parents, he was able to turn it into a thriving business. BigBadToyStore caters to specialty toy buyers with vintage favorites like Star Wars figurines and Teenage Mutant Ninja Turtles as well as comic- and movie-related items. His projected 2005 sales were more than $4 million.

Five Habits of Millionaires

Shoebox — Sun, 16 Mar 2008 05:29:00 +0000

by Barbara Reinhold

According to a study of college students at the Ernst & Young International Intern Leadership Conference in Orlando, Florida, 59 percent of these young leaders expect to be millionaires within their lifetime. What’s more, 5 percent of them expect to hit the million-dollar mark while in their 20s.

And the super-rich are a growing group. The top 0.1 percent of the population’s average income was $3 million in 2002, up two and a half times the $1.2 million, adjusted for inflation, that group reported in 1980.

Earned Money vs. Easy Money

Easy money usually comes from inheritance or luck, such as winning the lottery. The track record of people who get their money through the lottery or other windfalls is usually very different from those who created their wealth themselves or who planned for an expected inheritance. Lottery winners are often a sorry lot; more than 90 percent use up their winnings within 10 years — some go through their money in weeks or months.

But there are some consistent patterns among those people who earn or plan to inherit their money, and these five strategies may be worth emulating.

1. Avoid the Earn-to-Spend Mentality

Michael LeBoeuf, author of The Millionaire in You, points out that to increase wealth, it’s essential to emulate millionaires who view money as something to save and invest, rather than income to spend. Many wealthy people live quite simply, he points out, choosing less pretentious homes than they could theoretically afford and opting for financial independence over material showmanship.

2. Focus

LeBoeuf also counsels resisting the impulse to be scattered in your efforts and interests: “Winners focus; losers spray.” And goals that are clearly written down are easier to keep in focus.

3. Do Whatever Is Necessary to Meet Your Goal

People who earn their millions are able not only to focus but persevere in the pursuit of their goals. One single mom entrepreneur, Melissa Clark-Reynolds, started her first business, a health and safety consultancy, when she had a young son. En route to her goal of being a millionaire by age 35, Clarke-Reynolds and her son ate lots of pizza, did homework late at night and often slept at the office. She is now a chief executive mentor for Empower New Zealand, a global business consulting firm headquartered in London.

4. Take Calculated Risks

You have to take strategic risks to earn and grow money. And a little rebelliousness seems to help too. One interesting study found a majority of male millionaire entrepreneurs had been in trouble with school authorities or the police during their adolescence.

5. Be Generous

And why doesn’t it surprise us that millionaires are often very generous? Sometimes it’s for the tax breaks, obviously, but often it’s not. One Jewish Swiss millionaire, for instance, flew to Israel to give $5,000 in cash to a waiter at a Jerusalem café who foiled a Palestinian suicide bombing. Among the most generous of millionaires are those from North America, who are, according to a Merrill Lynch Cap-Gemini report, two to five times more likely to give to causes they value than their European counterparts.

These five habits are a pretty good prescription for living happily even if you’re not a millionaire.

But LeBoeuf insists it’s not so unusual to be a millionaire. As of 2004, there were 8.2 million households with a net worth of more than $1 million. And are the folks in those households happy? Yes, says professor Andrew Oswald of the University of Warwick in the UK. After studying more than 9,000 people over eight years, Oswald concluded that people who come into money are happier. The happiest among them, he says, seem to be “highly educated, well-paid women who have jobs.”

And how much money does the professor say it takes to be happy? “About $1 million, give or take a little.”

"Life is Good" for these guys..

Shoebox — Tue, 11 Mar 2008 02:31:00 +0000

I was traveling to Orange County, California this past weekend. While waiting for my flight, I noticed a “fun” store inside the gates. Several folks from all ages were eager to set foot at this place as if it were a coffee shop and/or bookstore. Naturally, I followed since I had some extra time. There were no books or coffee but lots of t-shirts, stress balls and an emotional sense of “happiness”. I took a picture of the store to remind me to search the web on what “life is good” products are and who is behind all this. Well, it seems that the entire story can be read on lifeisgood.com website. And this is not just a t-shirt company. This is an $80M corporation. These guys have been featured on the cover of Inc. magazine.

Book Review

Shoebox — Sat, 08 Mar 2008 05:41:00 +0000

By Garrett Sutton

Scott Shane is Professor of Entrepreneurial Studies at Case Western Reserve University and has written or edited eleven books, as well as the author of over 60 scholarly articles on entrepreneurship. In his new book, The Illusions of Entrepreneurship: The Costly Myths that Entrepreneurs, Investors, and Policy Makers Live By, Shane points out that many of those ideas of being an entrepreneur are MYTHS, and it’s important to take a realistic look at what it is really like to be an entrepreneur in America Today. For more information

Today’s featured company- Paychex

Shoebox — Fri, 07 Mar 2008 16:53:00 +0000

Today’s featured company is Paychex. This company is a world leader in payroll services. Every midsize company I have consulted for tend to use their services. In fact, I really did not pay attention to the paychecks I received, but the name stuck to my head. Later, when I began my investing that it triggered my memory that this company has been around for a long time. What a brand recognition in the industry???

According to their website, It offers payroll processing services, which include the calculation, preparation, and delivery of employee payroll checks;

This company provides a good % dividend yield. Of course, you can also buy stock direct from the company..

Book value and intrinsic value are two ways to measure the value of a company. As you can see from the table below year after year their BVS has had a strong increase.

Your Rebate Check

Shoebox — Fri, 07 Mar 2008 06:02:00 +0000

Stock of the day- Froot Loops?

Shoebox — Thu, 06 Mar 2008 19:01:00 +0000

Today’s stock is one of my favorites. It is best to buy stocks in companies you are familiar with and products you use. Odds are others use the products we are grown to love. With Kellogg’s direct purchase plan, you can automate your purchase on a monthly basis. With annual dividend payout increases, it is no doubt, this is a solid company.

With the PE ratio of 18.22 and EPS of over $2 with a dividend of 2.5%, this continues to be a good stock to buy and hold.

Write your investment GOALS

Shoebox — Thu, 06 Mar 2008 17:38:00 +0000

It is a known fact that successful people write their “to do” list everyday,

and review their goals at least weekly. This is important to keep you

focused on what is important to you.

This is no different for your investment goals. For example, if you want

to invest every “extra” money, don’t go out and buy

that new iPod. If it is want and not a need, then you shouldn’t

Invest in luxuries. It is important to do this as you may drift away from your intent.

SIX INVESTMENT GOALS

What are your investment goals?

Find money to invest in the Market…..

Shoebox — Wed, 05 Mar 2008 00:44:00 +0000

Many folks spend their time in making extra money rather than spending some extra time in saving money where it is frivolously spent. It is like pouring more water in a bucket that has holes. Here is a website (www.connectutilities.com) where you can enter your address information to determine if you are paying too much for utilities. Even if you don’t want to change providers, you can always use these numbers as negotiating tool to lower your service bill with current provider.

Use this extra $30, $40 or more to invest in the market on a monthly basis.

Buy to hold..

Successful Investment Program

Shoebox — Tue, 04 Mar 2008 02:37:20 +0000

Accordingly, “Stocks in the S&P 500 index that paid dividends in 2000 climbed nearly 16%, while nondividend payers slipped more than 2%. On average, in the latest three bear markets years, 200–2002, the dividend payers in the index roughly broke even, while the nondividend stocks fell 35%. In 2004 dividend-paying stocks in the S&P 500 had a total return of 18.2%, compared with 13.2% in 2003. From 2001-2004 dividend payers in the S&P 500 rose 40.5% versus a 27.4% gain for nonpayers.”

Buying dividend blue chip stocks are a good “lazy” way in investing. There is no need to forecast or the worry in volatility. Buy it and forget it. Companies such as Johnson and Johnson, Clorox, Boeing, Verizon, etc..

Buy to Hold

Successful Investment Program

Shoebox — Tue, 04 Mar 2008 02:30:00 +0000

Buy to Hold

Waste of time or waste of money?

Shoebox — Mon, 03 Mar 2008 05:17:00 +0000

Several times I have blogged about placing your money into assets and let your assets pay for your luxuries (or toys). I accumulated enough points on my AMEX card that I decided to get the iPod video to use during my travels on flights. I wouldn’t really spend money on these gadgets? Right? Well, I did spend a lot of time after receiving it in the mail. I have been using the Philips Portable DVD DCP750 (with iPod docking station) for over a year now to watch DVD on during flights. Recently I decided to complement this with an iPod video. I have lots of download TED videos over the years which are nice to view as a refresher. These videos can be downloaded from TED.com.

The iPod classic is a cool gadget. However, after hours of searching online (I am new to gadgets) I find out that the 6th generation iPods don’t work with the Panasonic due to a locked key and new firmware. This this whole thing ticked me off. I was hoping to watch my videos on a larger screen on Panasonic. Upon searching and purchasing several different Apple AV cables, there is only one cable that costs $49 that works to unlock the iPod to be used on the Panasonic DVD with the iPod docking station. This is the only cable that will work with the TV out option of this iPod. After several hours of syncing and downloading iTunes with this iPod and visiting several local Fry’s and Best Buy to find the proper cables, it dawned on me why I was wasting so much of my time on this? I am not a fan of iTunes, so the use of this software was new to me. By the way, if you upgrade the iPod firmware from 1.0.2 to 1.1.1, the TV output will not work on these nice Portable DVD docking stations. I am not a techie, so you can imagine how much time I spent on this entire process. I couldn’t give up. I was determined to get this thing to work and to have all my videos converted from MPEG to MP4 to upload on this iPod. For the past several days, I have been so involved in this, that now I want to get the iPod Touch with the wii-Fi capabilities. Although, the measly 8 or 16 gig is a small hard drive, and I wouldn’t spend the money for the 32GIG hard drive.

This journey began to make me think, that my entire psychology has been to invest your money into assets (regardless of how small) into buying stock, etc and allow dividends to pay for the toys. This was the time that I stepped away from the store when I was about to purchase the iTouch. I thought to myself that this goes against my psychology and mindset. I would be much more content to put this money (and the wasted time) into the market. I guess the money is not the big issue, it is the time required to get the gadgets to work. And each new “toy” requires lots of accessories that require more money. This time could be better spent reading the several financial books I have sitting in my bookshelf ready to be read.

Invest wisely in your time and money..

Eye To Eye: Frugal Philanthropist (CBS News)

Shoebox — Sun, 02 Mar 2008 19:12:24 +0000

from youtube.com posted with vodpod

How to Save Money

Shoebox — Sun, 02 Mar 2008 19:09:37 +0000

from youtube.com posted with vodpod

Turning $1,000 Into $277 Trillion

Shoebox — Sat, 01 Mar 2008 21:20:00 +0000

By Seth Jayson February 15, 2008

Recently, I wrote a little article (with nearly the same name as this one) aimed at exposing a fairly common market myth: the idea that any individual can trade his or her way to supersized returns, day in and day out.

“All I need is the chart,” these hopeful traders tell me. They say, “Give me jumpy, high-volume, popular stocks like Applied Micro Circuits (Nasdaq: AMCC), and I can skim a few percent per trade, 50% or 100% a month.”

“That will make me rich!”

5 More Top Growth Stocks

Shoebox — Sat, 01 Mar 2008 21:10:00 +0000

By Tim Beyers February 21, 2008

Are you really a growth investor?

It’s worth asking. Fast-moving tech stocks have taken a beating recently, leading to a slew of bargains for those with the guts to buy.

No surprises there. Market panics occur daily. Just ask investors who hold shares of ValueClick (Nasdaq: VCLK), which fell more than 4% on Tuesday on no news whatsoever. Sheesh.

Shoebox — Fri, 29 Feb 2008 20:54:00 +0000

Washington Mutual is a well branded bank everyone has heard of. Unfortunately, the EPS is negative given all the issues they have had with the mortgage side of the business. Regardless, they continue to provide a 3.6% dividend yield and I highly doubt this company is going to go down the drain. The company market cap is fairly large with over 13B. I have been buying WM for a few years now at high prices, but now I continue to buy with discounted price. Since the EPS is negative the PE ratio is not calculated. This is a good buy for the long-term buy to hold

Who’s Not Investing?

Shoebox — Fri, 29 Feb 2008 14:53:00 +0000

Millions marry and start families each year without taking basic steps to
make sure their future, as well as their children's, is financially secure.

According to a recent survey by Princeton University and the Consumer
Federation of America, 70% of households with incomes under $50,000 a year
have retirement savings of less than $5,000. This same report said "most
Americans are living paycheck to paycheck".

Getting The First Share

Shoebox — Fri, 29 Feb 2008 07:41:10 +0000

A potential stumbling block to joining a DRIP is that in most programs you already have to be a shareholder of the company in order to enroll. Brokers offer one avenue for getting that first share, although the fees to purchase one share of stock will be quite high in percentage terms of the total investment. However, investors should realize that once the initial investment is made through the broker, they will never need a broker again to purchase stock in that company. One discount brokerage firm with reasonable fees for small purchases and does not charge to forward you your stock certificates is Mydiscountbroker.com (1-888-882-5600).

Charles Carlson, CFA

Buy to Hold- Biovail Corporation

Shoebox — Fri, 29 Feb 2008 05:23:00 +0000

Biovail Corporation is a specialty pharmaceutical company that applies advanced drug-delivery technologies to improve the clinical effectiveness of medicines. This company provides a 10.70% Yield with a very low PE ratio.. Buy now and hold for the long-run. Buying just 2-3 shares a month will allow you to see the growth in a few years so long as you re-invest the dividends.

Tyson Foods

Shoebox — Wed, 27 Feb 2008 19:34:00 +0000

i TOLD you guys to get into tyson almost two years ago. get into their
"drip" program.

Where's you get that from?

All I can find is Tyson expects international sales to rise to $5
billion from $3 billion by 2010.

http://money.cnn.com/news/newsfeeds/articles/djf500/200802191837DOWJO…

Mid-day performers

Shoebox — Wed, 27 Feb 2008 19:29:00 +0000

Strong:
heath care facilities; homebuilding; auto retail; computers & electronics;
education services; dept. stores; gen merch stores; agriculture; home
furnishings; human resources & employment services

Weak:
internet software & services; trucking; thrifts & mortgages; internet
retailers; specialty stores; construction & engineering; photo products;
fertilizer & agriculture chemicals; div. metals & mining; residential REITs

Top 10 Mid-Day Advancing and Declining Stocks by %Chg.:
Sym. Co. Time Price Chg. %Chg. Vol.

NYSE:

IHR Interstate_Htls&Res 12:36PM_ET 5.02 +0.62 +14.09% 99,100
OME Omega_Protein_Cp 12:40PM_ET 11.59 +1.42 +13.96% 242,022
VIT Vanceinfo_Tech_Ads 12:32PM_ET 7.38 +0.77 +11.65% 258,817
FSS Federal_Signal_Cp 12:40PM_ET 12.08 +1.08 +9.82% 660,455
ZLC Zale_Cp 12:40PM_ET 19.52 +1.59 +8.87% 2,281,677
CLR Continental_Resrces 12:40PM_ET 28.05 +2.22 +8.59% 1,311,851
KWR Quaker_Chem_Cp 12:40PM_ET 23.56 +1.85 +8.52% 119,800
LMC Lundin_Mining_Corp 12:40PM_ET 8.86 +0.69 +8.45% 1,399,168
IHP I_H_O_P_Corp 12:39PM_ET 43.32 +3.32 +8.30% 334,050
ESI I_T_T_Education_Svcs 12:40PM_ET 57.53 +4.32 +8.12% 2,234,459
—–
CAL Contl_Airlines_Cl_B 12:40PM_ET 27.07 -1.98 -6.82% 1,924,497
RGR Sturm_Ruger_And_Co 12:40PM_ET 8.46 -0.66 -7.24% 147,481
NWA Northwest_Airline 12:39PM_ET 14.80 -1.21 -7.56% 7,731,964
TSL Trina_Solar_Ltd_Adr 12:40PM_ET 31.49 -2.83 -8.25% 695,421
ACM Aecom_Technology_Cor 12:40PM_ET 27.36 -2.47 -8.28% 929,670
BWP Boardwalk_Pipeline 12:39PM_ET 25.68 -2.86 -10.02% 845,426
DY Dycom_Inds_Inc 12:39PM_ET 12.51 -1.74 -12.21% 1,119,950
NT Nortel_Ntwks_Cp_Hldg 12:40PM_ET 9.79 -1.66 -14.50% 10,734,391
URS U_R_S_Cp 12:40PM_ET 40.87 -8.61 -17.40% 4,900,862
CRI Carter's_Inc 12:40PM_ET 17.16 -5.05 -22.74% 4,270,528

AMEX:

HX Halifax_Cp 11:50AM_ET 1.9899 +0.3399 +20.60% 6,900
ACY Aerocentury_Cp 12:26PM_ET 17.10 +2.85 +20.00% 44,557
FOH Frederick's_Hollywd 12:18PM_ET 3.64 +0.44 +13.75% 900
BYW-WT Sp_Lehman_Jpn_Yen_Ln 10:14AM_ET 9.05 +1.05 +13.13% 23,000
XCR Xcorporeal_Inc 12:22PM_ET 2.74 +0.26 +10.48% 6,500
CFS Comforce_Corp 12:39PM_ET 2.35 +0.22 +10.33% 104,712
ANO Anooraq_Resources 12:36PM_ET 4.40 +0.40 +10.00% 510,362
OHB Orleans_Homebuilders 12:14PM_ET 4.72 +0.4201 +9.77% 28,700
KGN Keegan_Res_Inc 12:37PM_ET 5.2899 +0.4699 +9.75% 103,300
ZBB Zbb_Energy_Corp 12:20PM_ET 2.39 +0.19 +8.63% 25,031
—–
IIG Imergent_Inc 12:39PM_ET 11.99 -0.60 -4.77% 34,300
API Advanced_Phot_A 12:38PM_ET 1.506 -0.084 -5.28% 23,100
USM U_S_Cellular 12:40PM_ET 63.20 -3.80 -5.67% 62,400
XNN Xenonics_Holdings 12:36PM_ET 1.83 -0.12 -6.15% 18,300
IGC-U India_Globl_Cap_Ut 12:34PM_ET 5.86 -0.39 -6.24% 1,500
FXP Proshares_Ultrashort 12:39PM_ET 81.18 -5.42 -6.26% 1,642,551
RVP Retractable_Tech_Inc 12:25PM_ET 1.57 -0.13 -7.64% 6,200
DXN Digitalfx_Intl_Inc 12:39PM_ET 0.96 -0.08 -7.69% 13,000
FDT Federal_Trust_Corp 12:33PM_ET 2.04 -0.2299 -10.13% 3,600
PAL-WT N_American_Palladium 12:33PM_ET 4.65 -0.56 -10.75% 120,400

NASDAQ:

FIFG 1St_Indep_Fin_Grp 11:35AM_ET 16.70 +5.91 +54.77% 17,791
DARA Dara_Biosciences 12:45PM_ET 5.20 +1.25 +31.65% 984,201
MBND Multiband_Corp 12:35PM_ET 2.92 +0.61 +26.41% 10,147
SONE S1_Corporation 12:45PM_ET 7.55 +1.51 +25.00% 722,736
JXSB Jacksonville_Bncp(Il 11:16AM_ET 12.5405 +2.2805 +22.23% 991
AXTI Axt_Inc 12:45PM_ET 6.02 +1.07 +21.62% 816,127
APII Action_Prod_Intl_I 11:56AM_ET 1.29 +0.22 +20.56% 812
LKQX Lkq_Corp 12:45PM_ET 22.01 +3.62 +19.68% 3,761,668
CASTW Chinacast_Educatn_Wt 12:12PM_ET 1.608 +0.258 +19.11% 26,103
COGT Cogent,_Inc. 12:45PM_ET 10.92 +1.70 +18.44% 1,293,580
—–
MNDO Mind_Cti_Ltd 12:45PM_ET 1.71 -0.26 -13.20% 323,390
ORNG Orange_21_Inc. 12:29PM_ET 3.7501 -0.5759 -13.31% 300
VUNC Vuance_Ltd 11:30AM_ET 2.81 -0.46 -14.15% 100
ADSK Autodesk_Inc 12:45PM_ET 33.08 -6.02 -15.40% 18,817,184
PRAN Prana_Bio_Ltd_Ads_S1 12:43PM_ET 4.65 -0.94 -16.82% 225,829
EDEND Eden_Bioscience_New 12:29PM_ET 1.64 -0.34 -17.17% 7,146
CVTX Cv_Therapeutics_I 12:45PM_ET 6.40 -1.39 -17.84% 3,561,198
EDAC Edac_Technologies_Cp 12:45PM_ET 7.50 -1.78 -19.18% 215,213
ENOC Enernoc,_Inc. 12:45PM_ET 18.15 -7.35 -28.82% 1,416,684
RLOGU Rand_Logistics_Ut 12:44PM_ET 7.03 -3.47 -33.05% 3,404

Invest now–Why the urgency?

Shoebox — Sat, 23 Feb 2008 23:06:00 +0000

Truth be told, your most important retirement asset isn’t your cash — it’s your time. The longer you have before you must spend your money, the less you need to save per month (and in total) to have what you’ll need when you need it. It’s just the way compounding works.

Assume that you’re looking to retire by age 70 with $1 million socked away, and you think you can roughly match the market’s historical 10% annualized return. These numbers show just how important time is to meeting your financial goals:

Years to Go	Monthly Investment	Total Invested
50	$57.72	$34,633.25
45	$95.40	$51,514.42
40	$158.13	$75,900.37
35	$263.39	$110,624.19
30	$442.38	$159,257.65
25	$753.67	$226,102.24
20	$1,316.88	$316,051.95
15	$2,412.72	$434,289.21
10	$4,881.74	$585,808.84
5	$12,913.71	$774,822.68

If you thought coming up with $58 a month to invest at age 20 was tough, just try waiting until age 60, and finding nearly 80 times as much spare cash in your budget. No matter how you slice it, the sooner you get started, the less painful it’ll be.