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  • Dodge Caravan — How to Turn stuck Ignition Key

    Dodge Caravan — How to Turn “stuck” Ignition Key This is a strange problem Welcome to http://CarTrek.com This is a very unique and strange solution, but it works! At the beginning, I called AAA to tow the car when the key is stuck. The AAA person could not solve this problem. But I am going…

  • Dodge Caravan Changing the Oil Pressure Switch

    Dodge Caravan – Changing the Oil Pressure Switch (sender) Welcome to http://CarTrek.com Originally I thought the leak was due to the oil pan, however closer investigation showed that the leak was due to a simple oil pressure switch leak. The replacement of this oil pressure switch (some people call it “sender”) was very simple. This…

  • January Barometer

    The January barometer is the hypothesis that stock market performance in January (particularly in the US) predicts its performance for the rest of the year. So if the stock market rises in January, it is likely to continue to rise by the end of December. Probably the best known is “as January goes, so goes…

  • Halloween indicator

    The Halloween indicator is a variant of the stock market adage “Sell in May and go away,” the belief that the period from November to April has significantly stronger growth on average than the other months. In such strategies, stocks are sold at the start of May and the proceeds held in cash; stocks are…

  • Mortgage myths

    Mortgage myths Following a good discussion on the topic of mortgage, I would like to share a few myths: The first year the payment is almost all interest. Your friends and your brokers keep telling you that the first year you will be paying a high portion of interest on your loan. What does that…

  • 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…

  • 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…

  • 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…

  • 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%…

  • 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…

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