strategies for savingTraditionally, it is not recommended that one put money intended for saving into any type of investments. When you invest money into bonds, stocks or other long term investing, you have two problems. 1) The money is not “liquid,” or easily available for emergency situations, and 2) the risk of loss potential is unacceptable for funds that you are counting on at a moment’s notice. This is especially true when considering the fact that the funds may be necessary if there a job loss, and dips in the stock market often seem to correspond with increases in unemployment.

While much of this is true, I beg to differ with the traditional idea that all your money for an emergency fund has to be tied up in a low interest savings account. The following are some tips and ideas for a different option.

1) Pimco Total Return Fund (PTTDX)

If you are not familiar with PTTDX, you might want to check it out. They focus their business on investing in debt securities that are investment grade, also known as bonds. These are generally considered to be safe investments. For example, an investment of $10,000 in PTTDX made 10 years ago, would currently be worth over $17,000. The other factor to consider is that during the recession years, in the late 2000’s, this fund actually remained fairly stable. There were very few losses throughout 2008, and then from 2009 into 2013 the fund made a strong recovery. To this day, the fund manager and penny stock newsletter owner Cameron Fous is famous for his knowledge on capital preservation.

2) Large Cap Mutual Funds or EFT’s

This can be another option to invest in that carries minimal risks, but does bring in fairly good returns, as they invest your money in what are called “large cap,” stocks. A large cap stock is usually a large company that is very well know and well established. Some examples of these type of companies would be places like; Apple, Microsoft, Disney, Goggle, and others. They usually pay out regular dividends to investors. However, this is a bit more risky than the PTTDX as the funds will and can lose value when the economy is experiencing difficulties. As it is very hard to identify the best penny stocks, using a mutual fund eliminates the need to research individual stocks.

3) Roth IRA

OK before you say anything, hear me out. This is probably the most outrageous suggestion, but there are a few good point here. First off, you don’t want to put 100% of your emergency fund in this, as a Roth IRA is not exactly liquid. In fact, my Roth IRA can’t be accessed without a certain amount of paperwork done to actually withdraw the funds, as opposed to a simple bank withdrawal. With that aside, what you would do is to have a small amount of your emergency money in an easy to reach account. This would then carry you over in an emergency until you could access the funds in your Roth account.

Bottom Line: Times are Different

An emergency fund is a basic, fundamental necessity, and will continue to be. But with the speed of fast transfers, debit and credit cards, there is really no need to keep you entire emergency fund in cash savings. For myself personally, I try to have about a month’s income in my checking account. Then I also have a credit car account with a limit of about $13,000. So basically, there really is no situation where the couple days that it might take to access the rest of the emergency money really won’t be an issue.

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investing in volatilityIt is a long held belief the stock market world that by investing in risky stocks, you will receive a higher pay out when everything clears. This common ideal is known in the business world as stock market volatility. Stock market volatility is considered good investing practice by some, while others view it as a major risk that should be avoided at all cost. However, the question still remains; is stock market volatility good or bad for the average investor?

The answer to this question depends on several factors, but let’s first look at the true meaning of stock market volatility for a better understanding. Stock market volatility is primarily concerned different up and down fluctuations that often occur in the stock market. Volatility is a term used to measure how low or how high the fluctuations are. For example, a sudden rise in the stock market is considered high volatility, whereas a low or normal stock market has reduced volatility.

Other aspects of stock market volatility are option pricing and premiums. An increase in the option pricing will lead to an increase in stock market volatility, which will in turn produce a higher premium. If the stock market volatility is reduced, then so will the premium.

There are also two types of stock market volatility to consider before you start your trading; implied and historical volatility. Implied volatility is calculated by considering what is currently happening to the asset and what may happen to it in the near future. Historical volatility is the average of different volatility measurements over a certain period of time. Historical volatility records is the most common way to check for stock market volatility patterns.

Even the best penny stock alerts often have the highest volatility in the stock market. This can be a good (or bad thing) depending on your investing style and time frame. Day traders usually love this volatility as it allows them to enter/exit trades quickly and easily within a short period. The biggest problem with these trading instruments is knowing what penny stocks to buy. Reliable financial information is extremely limited as most companies are not required to file their financial statements with the SEC and there are no analysts covering stocks priced this low. Technical analysis seems to be the most popular way to trade these low priced plays. Growth Penny Stock Picks is a good example of a website that sends it members some great penny stocks to watch throughout the day to help traders benefit from this volatility.

After a bit of background information on stock market volatility, option pricing, and premiums, you can now start to get a better idea about whether or not stock market volatility is a valuable trading tool or a trap that should be avoided at all costs. Either way, there will be a price to pay for each. If you invest in an stock or asset with a stock market volatility, you will earn more as far as premiums and money if the risky stock does well, but you will also have to take any losses that the stock or asset may return. If the stock trades turn out to be profitable, however, there will be twice as much profit available, if not more.

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investing in silver‘Invest in gold’ that was always the advice given in years gone by. The reasons were obvious. Gold underpinned every currency in the world. There was a limited supply. Gold was desirable. The value went up, even in a recession. However in the modern world, this advice may not be the way to go.

More and more people are turning to trading, and investing in silver when they look for commodities trading. In fact, silver trading is at a similar level, if not slightly above gold. There are numerous good reasons for this, and reasons why you should choose to invest in silver in 2010.

When Gold Goes Up, So Does Silver

Everyone knows that the price of gold is rising significantly, and has been rising for several years. This is due to a variety of reasons, many of which are fairly obvious. The great news for those thinking of trading or investing in silver, is that these two metals are very much linked when it comes to prices. Historical trends have shown that when gold goes up in price, so does silver. So the current increase in gold prices will continue to cause the increase of silver prices. And the good news is, there are plenty of silver penny stocks to watch for potential investments.

Declining Stocks Push Up The Value

For the first time in history, the US has no stockpile of silver. This means that it is buying on the open market. It has used its entire six billion oz stockpile over the last 60 years. This shows the fact that silver stocks are declining worldwide. This pushes the prices up. Stockpiles are going to continue to decrease, and the price is going to continue to increase.

Worldwide Political Instability & Uncertainty

A lot of silver mining is done in countries that are often politically unstable. This can interrupt supplies, and is probably why delivery times on new silver are extremely high. In times of political instability (which there is likely to be increasing amounts of over the coming years), the price of silver will continue to rise.

Price Is Artificially Low

Much of the silver that is traded is traded as paper, never actually being physically transferred between owners. This is achievable because there is a 2-3 month reserve available, and at the moment no problems in supply. As above however, the inventories of silver are rapidly decreasing, with production not keeping up with demand. As these supplies dwindle, but the same amount (if not more) silver is traded, invested in, and ordered, the price is going to skyrocket.

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Investors want methods to value stocks to make wise selections. The price earnings (P/E) ratio is among the fundamental measures of a stock’s cost relative to other firms. Some start (and even seasoned) investors make the mistake of not using P/E ratios. That is mainly because of the fact a P/E ratio is useful only in the context of other info, and can have multiple interpretations. But when used correctly, it’s one of the finest analytic tools available to find ultimate stock alerts.


A price earnings ratio is computed by dividing the cost of a stock by the per-share gains of the firm in question. For instance, if the stock is quoted at $50/share and the firm reported a total of $4.10/share gains for the last four quarters, the P/E ratio is $50/$4.10, or 12.2. Generally, the P/E is rounded off in this example, it’d be recorded only as 12. Basically, the P/E is a gauge of the means by which the market sees the potential for future appreciation of the stock.


A P/E ratio can be either trailing or forwards (estimated). A trailing P/E ratio uses the gains reported by the firm in the preceding four quarters. A forward or estimated P/E ratio uses projections of gains for the coming four quarters to estimate the near term operation of the firm. Other measures that use the P/E ratio may be seen by you. As an example, a relative P/E ratio is computed by dividing a firm’s P/E ratio by the average P/E ratio of the stocks within an index like the Standard & Poor’s 500. A result of 1.0 or higher suggests that the stock has a higher P/E ratio than the typical stock in the index.


A high price earnings ratio suggests the market is expecting growth in the future earnings of the firm, so investors will willingly pay more. A low price earnings ratio may mean even the business is in trouble, or low increase expectations. There are alternative possibilities. Awesome penny stocks with a high P/E may only be overvalued, and one with a low P/E may be undervalued. The P/E ratio is most useful if it is used to compare stocks in a industry. As an example, public utility companies often have low P/E ratios, because investors do not anticipate much increase, and purchase them for their generally high dividends and cost equilibrium. Comparing this type of stock like biotechnology to one in a high-growth sector may be misleading, and does not give very valuable advice. The best penny stocks to watch are those with a high Price-Growth ratio.


Price earnings ratios can be influenced by other variables. P/E ratios will often be lower, because investors can get great yields from other securities when interest rates are high. Since investors will need higher rates of return for the cash they invest, to counter the decreasing value of the dollar a high inflation rate may also result in lower P/E ratios. The investor also needs to remember that gains are computed using accounting methods that are changing, and are subject to exploitation.


It should be clear the price earnings ratio must be used with other advice to be significant. As an investor, you will should look at the present state of an organization by reading its annual report and balance sheet. Analyze the historical growth rate of the business and compare it with other firms in the exact same sector. Be cautious in order to avoid interpretations that are simplistic. As an example, many because the firm was placed for rapid growth a beginner investor has lost cash shorting the best penny stocks to buy and then observe the stock rise and seasoned investors, such as cameron fous, had bid the stock up in expectation.

Current Stance of Crude Oil Prices

Current crude oil stock commodities recently plummeted and concern has become apparent by investors because the outlook of consumers demanding crude oil. The more the U.S spending data increases, the further the crude oil stock plummets. On European morning trade, U.S. delivery of crude oil in August traded at $105.62 per barrel. That’s down 0.21%. Thursday, June 12th, 2014, prices dropped again by 0.62%. It is predicted that the future of crude oil was bound to reach $103.59 per barrel, the same as June 12th, 2014. On Thursday, June 26th, 2014, crude oil futures dipped lower, but the dip can be blamed on the crude oil export values in Iraq and the president Obama’s administration’s plans to lift a ban on two oil companies and allow both to sell internationally. Along with those few factors, the crude oil demand in the U.S have low prospects at the moment, but it’s predicted that the falling prices and stocks are temporary occurrence. A large portion of future crude oil price growth is expected to arrive from India, China and Asia; new emerging oil markets.

investing in crude oil
Reasons to Invest in Crude Oil, Even With Falling Prices

The current falling oil stock may be a sign for investors to dive in and grab the opportunity to buy stock alerts while the prices are lower. These major oil companies have fallen in price: ConocoPhillips (NYSE: COP), Occidental Petroleum (NYSE: OXY), and Chevron (NYSE: CVX). There are a few reasons why investing now would prove beneficial to an investor’s future. Both the U.S. Energy Information Agency and the International Energy Agency predict that the demand for oil should exponentially increase in the next few decades. Instead of seeing the fall as a reason not to purchase an oil stock, investors should see it more as an opportunity to buy.

Strategies to Invest In Crude Oil

Exposing your investment to the price and performance of crude oil without having any association with an oil rig is the best way to make money off of oil, especially with the help of a identifying the best penny stocks from a good trading newsletter. In the United States Oil ETF, you can buy a stock and not have to earn any oil. The fund is based off of the future of the crude oil, contracts of other oils, petroleum fuels, and gases. Oil ETF also has a simple trade because an investor doesn’t have to buy individual stocks. With oil companies such as ETF, you can purchase one stock at once price and therefore save on commissions.

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