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Article 1, Section 8, Clause 5 of the Constitution of the United States of America grants Congress the “power to coin money” and Article 1, Section 10, Clause 1 specifies that “No state shall… coin money: emit Bills of Credit; make anything but gold and silver coin a Tender in Payment of Debt.”

The Constitution clearly states that money is to be coined and that only gold and silver coin (I.E. real money) is a tender in payment of debt. Note that Congress was granted the power only to coin money, not to print it. They were granted the power to borrow money, not to loan it. Continue reading ‘Silver, The Affordable Real Money’ »

Don’t let anyone ever tell you the futures game is easy. I’ve been speculating in futures for 18 years, and it took me most of that time before I had any degree of success. I attribute successful futures trading to following certain steps. My guess is that these steps will work for you, too.

Step 1: Have a Plan

I’ve never seen someone build a house without detailed drawings, and I bet you haven’t either. To build a house, you need a plan. The same holds true for speculating in the futures market. Your opponent, the market, has a plan – to take all your money – so you need one, too. Continue reading ‘100% Annual Returns in the Futures Market – How You Can Do It’ »

David interviews Mark McRae about why he does other things besides simply the business of trading.

Mark: I remember there was a friend of mine who wanted to get into trading, and he wanted to know if it was hard or difficult, and I said to him, “I’m actually psychic. I’ll prove it to you, I’ll show you how easy this market is.” It was the first Friday of the month, and it was 8:30, New York time, and I put him down on the market and said, “In thirty seconds, this market is going to shoot up — or down, but it is definitely going to go one way”, and he said “I don’t believe you.” Continue reading ‘Lifestyle Behind the Business of Trading’ »

Target retirement funds are mutual funds that do it all for you … one stop shopping. You tell them when you plan to retire, and they manage your money in a diversified investment portfolio that gets more conservative as your retirement date approaches. Once you retire, your money is managed conservatively for you.

That’s their story, and unfortunately they are sticking with it. I suggest you look before you leap. Your idea of conservative might differ from theirs. For example, let’s say that you plan to retire in 5 to 10 years. What percent of your retirement nest egg do you want at risk in the stock market? Or, if you plan to retire in 30 years, what’s your comfort level with owning stocks? How about when you are already retired? Continue reading ‘Target Retirement Funds – Look Before You Leap!’ »

This article looks at the disadvantages of 401k plans that are not fully diversified. There are dozens of comparisons on the internet that allow you to compare traditional, Roth, 401ks and other retirement plans.

But, no matter which plan you choose, failing to diversify could make you lose.

Investment advisors see a danger inherent in 401ks. Employers are allowed to offer their employees company stock options, instead of matching contributions. It makes sense for the company, but not always for the employee. Continue reading ‘A Guide to the Disadvantages of 401k Plans That Are Not Fully Diversified’ »

If you earn more than what you need you may be searching for investment opportunities that can help you save more for your future. But your main problem is you don’t have sufficient knowledge to get your money rolling. Here are some surefire ways you can perform to learn how to invest money the right way.

First, you need to acknowledge that there are numerous investment categories in the market, so you must dedicate some time in understanding them. To limit your options, it’s vital that you know how much time and effort you can give in managing your investment. It’s important as well to set your preferred rates of return. Additionally, you should be ready to place your money in investment vehicles for a short time, although the proceeds are mediocre. Continue reading ‘Learn How to Invest Money – Free Tips Inside’ »

Now and again as it has been proven over the years, having an investment in any kind of gold is a good call, and gold bars are no different. If you collect gold coins, adding bars is a strategy to raise your profits in the future, should you make a call to sell. When you acquire gold bars, you get more gold for your currency compared to coins. The reason for this is that coins can be of more worth due to rarity, age or where the coin was made.

Making an investment in gold bars is customarily a good investment for your future. Do you always want to buy gold bars instead of gold coins? The short answer is generally no. If the gold market ever falls, which hardly happens but it can, coins will have more worth thanks to the factors debated above. Adding both to your collection is a respectable way to expand your portfolio and be sure of a safe financial future. Continue reading ‘Investing in Gold – Should You Choose Gold Coins Or Bars?’ »

The following strategy is used to get into trades intra-day that have shown a propensity to move in a certain direction. In other words, they have momentum. While this is a day trading strategy, it can be used to enter longer-term positions at an intra-day point where the stock (it also works with other markets) is showing it is continuing to carry momentum in the given direction.

Here is the strategy:

Buy (sell) a momentum stock after it has moved higher (lower) than its morning high (low) after the first pull back from the morning high (low) has taken place. Trades should not be entered in the first 15 minutes of the market open with this strategy. All trades should be in the direction of a longer term trend. Continue reading ‘Day Trade Momentum to Maximize Profits With This Strategy’ »

You want to get started as a mutual fund investor. What funds should you invest in? You have thousands of different mutual funds to choose from. I suggest you first open an account with a major no-load mutual fund company like Vanguard, Fidelity or T. Rowe Price. Then pick these two funds to invest in, investing an equal amount in each.

Remember, you are just getting your feet wet and don’t want to start with a bad experience. So, here are what I suggest are your best mutual funds to get started with. Your overall risk will be low to moderate.

Your first pick is a no-brainer, a money market fund. These are the safest of all mutual funds and their value or price does not fluctuate. In this investment you simply earn interest in the form of dividends. The amount of interest you earn varies, based on interest rates in the economy. Continue reading ‘The Best Mutual Funds For New Investors’ »

Are there any disadvantages of 401 k plans?

There could be. It depends on the investment opportunities offered by the account provider and at what age you plan to retire. If the plan is a standard one, rather than a Roth-401k, there could be a disadvantage, too.

Let’s take a look at your options.

Roth-401ks have only been available since 2006. Roth IRAs have been around since 1997. Traditional IRAs were written into the tax code in 1986. Standard 401k plans were actually an off-shoot of a tax law that had nothing to do with retirement plans. Continue reading ‘Let’s Face it – Are There Any Disadvantages of 401k Plans?’ »