Archive for April, 2007

Online Car Insurance

Monday, April 30th, 2007

The influence of the internet is ubiquitous, and with this consumers are more comfortable getting online car insurance. Car insurance rates can vary widely and there are some useful websites that allow consumers to compare several auto insurance quotes from several different car insurance companies. Cheap car insurance is the consumer goal and having the ability to compare and contrast car insurance quotes in order to save the most money.

Best methods to get cheap car insurance:

  • Get a lot of online car insurance quotes
  • Online car insurance companies
  • Try your current carrier to bundle car insurance with other insurance products
  • e.g. Bundle with life insurance, homeowner insurance (renter’s insurance), health insurance and boat insurance
  • Get a theft device
  • Try a multiple car discount
  • Direct debit payments online

Stocks Yield High? Be Careful!

Sunday, April 29th, 2007

When the percent yield of a stock is high, it would seem that this stock would be a great one to invest, however, that is not always the case. During turbulent markets it is important to look for good stocks that yield return is high. These quality stocks with yield returns that are high can be an anchor for your portfolio and be a great way for more diversification in your portfolio.

But sometimes these high yield return stocks are not quality stocks, and have artificially high yields in order to temp investors to buy their stocks. It is difficult to believe, but many of these stocks are actually bad investments and won’t even be able to cover the dividend when due or will lower it after an artificially high period used to lure investors.

As always, do your homework on these stocks as you would with any investment. If something seems to good to be true, it might just be.

Best Credit Card Deals

Saturday, April 28th, 2007

Today it seems everyone wants to get a credit card deal. Reward credit cards seem to be one way to get the best credit card deals. Another method, outside of credit card points, that can be effective for consumers looking for the best credit card deals.

Details on some of the best credit cards coming from stores:

  • Circuit City Credit Card
    • Free membership
    • Points automatically expire 36 months from the month in which they were earned
    • Memberships are not transferable and are only valid for use by the authorized cardholder.
    • 5 points for every $1 you spend on nearly all purchases you make using your Circuit City Rewards credit card, plus if you have a Circuit City Rewards Visa®, you’ll also earn 1% Rewards
    • Purchases made with promotional financing do not count towards rewards
    • Points can be redeemed 35 days from the date they were earned
    • Occasionally, Circuit City offers special promotions for signing up
    • Redeemable online
  • Toys R Us Credit Card
    • Earn 4 Points per $1 spent
    • Earn 1 point per $1 spent on everyday purchases
    • Get a 10% Savings Reward Certificate when you earn 1000 points.
    • 0% intro APR up to 6 months
    • No annual fee
  • Sears Credit Card
    • Sears Premier card status=Spending $600 on their Sears card in the past 12 months become Premier members
      • Advance notice of special products or sales
      • Exclusive money-saving offers at Sears
      • Invitations to special Premier events
    • Sears Choice Rewards Program is its lower tier rewards program. It offers a myriad of gifts redeemable via Sears points accrued. Click here to see.
      • Also Identity theft solutions
      • Pay bills with your Sears card
      • Use at Kmart
      • Life and Health Insurance options available
  • JC Penny’s Credit Card
    • No annual fee
    • 12 monthly exclusive cardmember offers
    • Fraud protection with zero liability
    • Can pay at JC Penny’s stores
  • JC Penny Privilege Program
    • 2 savings certificates per year
    • Birthday certificate
    • Special financing opportunities
    • Free JC Penny Catalog
  • Best Buy Credit Card
    • FREE membership
    • Get 1 point for nearly every $1 spent
    • Earn 250 points and get a $5 reward certificate
    • Exclusive members-only deals, sweepstakes, memorabilia offers, and access to special store sales events

Mutual Funds Stocks

Friday, April 27th, 2007

We all have mutual funds, be it in your 401 (k) or investing non-retirement money for capital gains. What most do not consider is the actual mutual funds stocks, that are in the portfolio. We all want our mutual funds returns to do well, but unless we know what the stocks are contained in the mutual fund it can be difficult to know where your fund is going in the future.

Examine in yahoo finance, stocks that are currently in your funds Top 10 holdings. Often these are derived from the previous end of quarter report of stock holdings. Examine those top ten stock holdings and find out if they possess qualities that you want to be invested in. Also, try calling up your mutual fund and asking what the current top holdings are. They may or may not divulge that information, but it sure does not hurt to ask.

Yes, this is a lot of work, especially when most mutual fund investors want to “set it, and forget it,” but if you have a significant amount of money in mutual funds you want to keep up with what mutual funds stocks are in your portfolio.

Safe Strategies for Financial Freedom

Thursday, April 26th, 2007

Death and taxes are universal, but financial freedom is truly the American way. We all want to figure out safe strategies for financial freedom. There are many means to the end. Here are some strategies to consider if you want to achieve financial freedom in your life:

  • Buy used cars, purchasing a new car will cost you thousands and thousands of dollars
  • Home purchase fees can be very costly: Try to negotiate the lowest fees possible and get the lowest APR you can
  • If you can, do car and home maintanance yourself. Many of us cannot so get trustworthy mechanic and contractors
  • Retirement Savings: Max out your 401k to the company match, after that max your Roth IRA, then max your IRA
  • Save as a much of your salary that you can, and have at least 6 months of expenses saved for an emergency
  • Term Life Insurance: Minimum of $250,000 policy, if not more
  • Avoid credit card debt: Congress has passed laws friendly to credit card companies, so it is only going to be more difficult to pay those credit cards off
  • Avoid leasing a vehicle: It rarely pays off to lease instead of buying

These are not the only ones to live by, but these safe strategies for financial freedom, if followed, can give you exactly that.

Same Store Sales

Wednesday, April 25th, 2007

Same Store Sales, or Comparables (comps), allows investors to determine what portion of new sales has come from sales growth and what portion from the opening of new stores. Same store sales are important because, although new stores are good, a saturation point–where future sales growth is determined by same store sales growth – eventually occurs. They also measure sales growth at stores that have been open for over a year.

So for a store to be able to count monthly comps for December 2006, it must have been open for the full month of December 2005. If the store opened December 15th 2005, comps couldn’t be counted until January 2006, a year after the store’s first full month.
The two main factors that affect same store sales are prices and number of paying customers. Revenue=price x sales, and if prices go up and volume stays the same, sales will increase. And if volume increases but prices stay the same, sales will also rise. However, when a company has a bad month, it does not blame that fact to price or volume problems.

Falling comps often stem from weather extremes or holidays on an unfavorable day of the week for sales. Rising comps are great and mean that more people are coming to buy goods, or paying more for those goods than they did a year ago, or a combination of the two. So basically,sales are rising without the added costs associated with new stores.

Increase revenues at existing stores or increase the number of stores are the ways to increase revenue. Increased revenues at existing stores is less expensive and that makes rising same store sales excellent news for companies.

Decreasing comps=

  • Brand is losing strength and people aren’t shopping at the company’s stores.
  • The economy is moving downward and people aren’t shopping.
  • Too many items at discount prices.

There are a few ways to deliniate between short-term and long-term problems with same store sales. Decreasing comps for an extended period is not good. Comparing that to competitors’ performance is important to examine because if they are doing poorly as well it might not be a company-specific problem. However, it could be an industry-specific problem

Listen to the quarterly earnings report call and see what the company says the problem is and what they are doing to fix it. This can guide you to stay with the company or dump it.

Good comps do not mean to jump in and begin investing and vice versa with bad comps. Look same stores sales as one data point in a myriad of data points that can lead you to your conclusion.

US Ethanol Production

Tuesday, April 24th, 2007

There are many types of production of ethanol in these days. Water ethanol, sugar ethanol and corn ethanol. The process of making ethanol is not the problem, it is the results and impact.

Ethanol produced from corn is all the rage in America and this attention has not missed the commodity markets. Corn prices have skyrocketed, which we might think is great for farmers, and for many it is very helpful. However, the repurcussions of this price increase will be felt throughout the country.

Many of the congressional representatives from farm states are pushing corn ethanol as the answer to global warming problems stemming from car emissions. This has brought more attention to corn and made many want to go into farming in order to make some money off the high prices. What most are not considering is the failures of corn ethanol, especially when it comes to reducing greenhouse emissions. The production of ethanol via corn is just as harmful, if not more, than the use of fossil fuels. But since the issue is now a political one it might be difficult to derail this before it blows up in our face. Another issue is the commodity price of corn; it has skyrocketed with all the attention to solving the global warming problem. This alone is not a problem, but when you examine its impact on other things it is very problematic. Because corn is used as feed, it becomes more expensive to feed livestock. That means the price of beef and chicken will skyrocket as well. This will affect entire industries as well as the average citizen who consumes these products. Remember, corn is used in many more things than just feed, so prices of more products will have to increase in order to cover the cost of rising corn prices.

So before believing the production of ethanol through corn is the holy grail, think again.

Comps: Vegas

Monday, April 23rd, 2007

People are losing billions of dollars a year at casinos, but there is a way to lose a little less.

Casinos are giving away more in “comps,” the free food, hotel rooms and other goodies designed to get gamblers into the casinos and keep them there. In 2006 approximately $10 billion worth of comps were given away. Did you get any of this? If not, next time you go to a casino you need to keep the big comp giveaway in mind.

Free drinks and rooms are popular comps, but these days casinos are giving away a lot more. You do not have to be a “whale” to get these comps, although you will not get treated like whales are treated. Casinos are doing everything they can in order to attract and retain gamblers so they are willing to give out comps to all gamblers.

Frequent gambler cards are all you need now, beause the competition between casinos is so tough. These cards are evolving into similar credit card points where you redeem your points for certain comps. Receiving the points are easier than prior, but knowing how the points build up is a mystery.

Comp Tip
Casinos award comp points faster on games where the house odds are better. Ergo, slots are better odds for them than blackjack, so slots will get you more comp points, all things being equal.

Hotel Room Comp Tip
Pay attention to the calendar. Unless you are a whale, it pays to plan your trip when the casino business is slow. Atlantic City crowds drop off markedly over the summer, and while Las Vegas only slows down between Thanksgiving and Christmas.

Hotel Room Comp Tip 2
If a hotel relies heavily on gambling revenue, it will offer more comps. You will do better at casinos that are not top-of-the-line.

Comps in Vegas or anywhere with casinos can be had. Get a card and follow some of the tips offered here and you might do a little better no matter if you win or lose at the casino.

Health: Medical Care

Sunday, April 22nd, 2007
“Health care has to change,” says Steve Case, founder of America Online. He is trying to make health care services and products simple to track. RevolutionHealth.com, is a free, comprehensive consumer health site created for the Average Joe in order to do just that.
This site is more tailored to the consumer. It gives you the nuts and bolts, but it also encourages people to build their own health pages and personal health records. It also puts more control into the hands of the consumer of the health care costs in addition to their own care.
Social networking is essential to this health care brand as well (It has deals with many other brands to help build its own brand). Case is targeting mothers because he sees them as the go-to person in families for their health care needs.
RevolutionHealth is a free service, but by paying a $129 a year subscription fee, it provides an advocacy and assistance service that will do tasks such as fighting insurance claims or finding a pediatrician on members’ behalf.
Competion galore is out there, and getting people to trust a website with their healthcare might not catch on. By Steve Case has vision and the ability to see this through.
To Start Your Revolution:
  1. KnowYourRisk
  2. Build Your Own Health Page
  3. Check Your Symptoms
  4. Find and Rate Your Health Care
  5. Asess and Track Your Health
  6. Organize Your Health Records
  7. Get Free Newsletters

Dealing with Job Loss

Saturday, April 21st, 2007

Even though the unemployment rate in America is currently very low at 4.4%, at the end of March, people still have to continue dealing with job loss. When you lose your job it hits you in many ways. There is a loss of self-confidence and pride. Also, you feel like you have failed and that the future is all doom-and-gloom. But when dealing with job loss you must take a positive approach to it and stay confident.

DOs:

  • Update your resume
  • Apply for unemployment insurance
  • Begin your job search online
  • Spread the word among friends and family
  • Talk about how your circumstances are affecting you
  • Keep busy
  • Consider COBRA health insurance
  • Get your 401 (k) transfered to your own Rollover IRA

When you lose your job DO NOT:

  • Sleep late
  • Break your regular work routine: wake up, shower, eat
  • Mope
  • Feel sorry for yourself
  • Go over should of, could of, would ofs
  • Take it personally

Remember, you are not alone when you lose your job; you have a support system around you. Dealing with a job loss is one of the most difficult parts of life to deal with so it is important to remain upbeat and positive.