Month: October 2011
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Money saving tips on home mortgage refinancing.
The steady downward trend in mortgage interest rates in recent years have undoubtedly presented many opportunities to lock in historically low rates. With the downward trend anticipated to continue for the foreseeable near future, there are bound to be more opportunities to refinance into a lower interest rate loan. This article offers a lesser known tip…
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Presidential Cycle
Presidential Cycle As we discussed in the marketing timing strategies, we will spend more time to dig deeper into the Presidential Cycle. The first year is the weakest of all four years. Higher returns during the last two years of a Presidential term than the first years. The expectation is that as a President takes…
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January effect
January effect As we discussed in the marketing timing strategies, January Effect is the oldest and more common accepted ideas. In this article, we expand the topic and look at more details. Increase in buying securities before the end of the year for a lower price, and selling them in January to generate profit from…
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Easy ESPP Mathematical Formula
When you are first hired to a new company, the human resource personnel would educate you that Employee Stock Purchase Plan (ESPP) is a fantastic deal etc. She would spend hours explaining how the 15% number would nest you a profit. An ESPP typically works this way: 1. You contribute to the ESPP from x%…
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Even a stopped clock is right twice a day
Even a stopped clock is right twice a day There are many different ways to predicate stock market. Some are well known, some are not, but all theories have their true believers. First I will list a few very “reliable rules”. Then I will list a few common but not so reliable ones. For each…