Put Your Money Where Your Heart Is: Investment Strategies for Lifetime Wealth - Natalie Pace

Build a better nest egg with 6 easy, sound strategies for 2009. The stock market lost 38% in 2008, but if you lost more than 20%, your problem wasn't really the stock market, it was the design of your nest egg. Storms occur in markets, as they do in the real world, but your home shouldn't be flooding every time it happens.

You know intuitively that your retirement plan doesn't work. Your nest egg has drowned twice now in the last eight years. You were elated with your returns in 1999 and then devastated when your assets imploded during the DOT COM bust of 2000-2002. Same thing when Dow Jones Industrial Average broke through 14,000 in October of 2007, only to drop below 8000 in 2008. If you had a healthy fiscal plan, your nest egg wouldn't be sinking all of the time.

And contrary to what your financial advisor may be telling you, the markets returned only 4% over the last ten years, not 12%. That was less than a percentage point above Treasury Bills, at 3.3% annual gains, with a whole lot more risk.

Sound Nest Egg Strategies:
Rule #1: Always keep a percent equal to your age. Modern Portfolio Theory, the cornerstone of a healthy nest egg, has been around for half a century and Harry Markowitz, the economist who wrote it, won a Nobel Prize in 1990. Many financial professionals are paid on commission to sell you mutual funds, so, if you weren't protected from the 2008 financial crisis, chances are that either 1) your guru just didn't know the theory, or 2) s/he wasn't paid to employ the theory, or 3) s/he had bosses who pushed sales hard and couldn't employ the theory, or 4) s/he was dumb enough to think s/he could outthink a genius Nobel Laureate.

Grade Your GuruYou wouldn't hire an architect whose buildings flood in a storm. Since there are so many ìprofessionalsî and ìpunditsî who are spouting off -- when in reality they drowned their clients' nest eggs in 2008 -- it's your job to take charge and design a better dream life. As TD AMERITRADE Chairman Joe Moglia says, "Nobody cares more about your money more than you do." Bears get lucky in bear markets. Bulls get lucky in bull markets. Sound nest egg strategies work in any market!

HOW TO GRADE YOUR GURU
Add up your losses. If you lost more than 20% in 2008, your guru isn't making the grade.
Check your allocation. If you didn't start 2008 with a percent equal to your age SAFE in Treasury Bills and/or high-rated bonds (GM, Fannie, etc. DO NOT QUALIFY), your guru isn't looking out for your best interest.

MY GRADES
NEST EGG: The pie charts and strategies outlined in Put Your Money Where Your Heart Is saved Bill (a handyman) and Nilo (an office administrator) Bolden's nest egg, while Nilo's bosses lost hundreds of thousands of dollars. Since employing my strategies, they haven't lost anything.

TRADERS:Before I give you the details on my track record this year, which was outstanding, please note that novices have no business trading individual stocks in this financial storm anymore than beginning surfers should race into the jaws of a tsunami. Don't trade individual companies in 2009 unless: 1) you know how to buy put options and have had a few years of successful trading long and short, and 2) are willing to take your profits early and often. Obviously, if you don't know what I'm talking about, you need to focus on sound nest egg strategies first and education second -- perhaps at my Get Rich and Enrich Retreat. (Check out the banner ad on the home page at NataliePace.com for more details.)70% of the companies I featured in my 2008 monthly article and stock report cards were winners. Of those winners, more than half (58%) were shorts, i.e., companies that we expected to go DOWN in value.

ACT NOW TO GET IN GREAT FISCAL SHAPE!
Blind faith lost you a lot of money in 2008. 2009 is poised to be another stormy environment in stocks, which means that if you don't pull your head out of the sand and get a better dream life plan, you're going to be get buried.

My Golden Nest Egg Formula
ALWAYS KEEP A PERCENT EQUAL TO YOUR AGE SAFE. Treasury bills are the safest investment today. (High-rated bonds, money markets and CDs are traditionally and will be again in the future.)

DURING RECESSIONS, OVERWEIGHT 15-20% ADDITIONAL INTO SAFETY. Cash is King in a recession, i.e. not losing is winning. You will not be stuck overweighted in cash forever. If the markets continue to drop in 2009, as they are poised to do, you'll be glad you employed this defensive strategy. And you will have cash to invest, while those around you are scrambling to hang on and/or are forced to sell low to cover basic needs.

REMAINDER IN YOUR NEST EGG SHOULD BE DIVERSIFIED INTO 10 ETFS. You will find detailed pie charts in Put Your Money Where Your Heart Is.

EMERGING INDUSTRIES, NOT DYING COMPANIES. General Motors and Ford Motor Company combined are worth less than one-tenth of Toyota Motor Company's $102 billion. It is not just that Ford and GM have more expenses. GM and Ford lost market share this decade because their gas guzzlers were far less popular than the fuel-efficient Prius and other Toyota models.

KNOW WHAT YOU OWN, i.e., not mutual funds. The top mutual fund holdings in the U.S. in 2007 included some of the most poorly run companies, including General Motors, AIG, Fannie Mae and Phillip Morris Tobacco Company. ETFs allow you to target sections of the stock market by size (small, medium and large), style (value and growth), industry (gold mining, clean technology, international, biotechnology, etc.) and more.

DON'T TRADE. If you don't know how to take your profits early and often and/or if you don't know how to buy put options, do not buy and sell individual companies at all in 2009. (Own companies you love in ETFs where you are more protected from the price fluctuations of any one individual company.)

If you used this 6-step formula and rebalanced only once a year (say in January), you could have captured your gains in 2000 at the NASDAQ high. Likewise, in January of 2008, you would have captured your Dow Jones Industrial Average gains before the major fall-off and redistributed. Identifying where your gains are coming from allows you to increase your assets and redeploy your holdings back into a sound, dream life blueprint – which is a combination of Modern Portfolio Theory, ETFs, common sense and basic investing recipes. These strategies and more are outlined in my book, Put Your Money Where Your Heart Is. Buy it now as part of your New Year; New You; New Dream Life! And be sure to forward this article to a dozen of your closest friends, family, clients and co-workers who need to get fiscally fit.

Channel 4 and ITN have joined together to offer viewers the chance to develop their own ‘citizen journalism’. Breaking the News – developed by indie producer Illumina Digital - enables viewers to produce their own news stories through an online...

Made for the Chinese new year of 2005, this animation of a flying dragon is accompanied by traditional chinese music. The dragon is believed to ward off evil spirits for the new year.

The Ezine Acts Feeds show you how to get newsfeed as a news consumer and how to use them to feed your website as a website owner. There's a limit here, though to avoid search engines' penalty.

Similar to its long term migration to New Teams, Microsoft plans to replace the classic Outlook desktop app with New Outlook.

Dr. Justin Salehi joins Rancho Family Pediatrics in Temecula, CA, bringing top pediatric expertise to a newly renovated, child-friendly office designed to inspire young patients. [PR.com]

Cinch Home Buyers introduces an innovative cash offer service in North Carolina, empowering homeowners to sell on their terms with speed, transparency, and convenience. [PR.com]

Great American Storage, an experienced developer and manager of Class-A Self-Storage, RV/Boat, and Garage Suites facilities in the U.S., is pleased to announce the appointment of Cynthia Heisler as the new Property Manager for its Fort Myers self-storage facility, set to open in mid-December. With over 13 years of experience in the self-storage industry, Cynthia brings a wealth of knowledge and a passion for providing [PR.com]

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Salish Excavation and Trucking LLC has launched a new website, designed by Prospect Genius, to provide customers with easy access to their full range of excavation and trucking services. The updated, mobile-friendly site includes detailed service information and allows customers in the Port Angeles area to connect easily for free estimates. [PR.com]

Signature Autohaus, a leader in automotive restyling, is excited to announce its expansion and relocation to a new, larger facility in Coral Springs, FL. This move marks a significant milestone in the company’s growth. It reflects its commitment to meeting the increasing demand for quality exotic and luxury auto restyling and performance within the community. The new location, situated at 3650 Coral Ridge Drive, [PR.com]

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Metropolis Corp announced the renewal of their Cisco Select Integrator certification status in the United States. This certification confirms Metropolis' deep expertise in seamlessly integrating Cisco's Unified Communications (UC) solutions, empowering customers across diverse industries to unlock communication insights and value from their Cisco infrastructure. Building on years of expertise in Cisco environments, [PR.com]

A newly designed Blue Shark Vodka limited-edition artist bottle will swim into North Carolina ABC stores this November. Blue Shark Vodka is proud to introduce The Golden Shark by Scottish Highlands scientific illustrator and conservation artist Rachel Brooks. The 750ml bottle features a golden, hand-blown glass shark swimming inside in front of a pen-and-ink drawing of two Blue Sharks. The bottle (labeled as NC 18085 [PR.com]

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Using 20 years of functional magnetic resonance imaging (fMRI) data from tens of thousands of brain imaging experiments, neuroscientists at the University of Massachusetts have created a geometry-based method for massive data analysis to reach a new understanding of how thought arises from brain structure...

A while ago my old computer's power supply fizzled out. I bought a 430 watt Thermaltake power supply, but something was wrong with the motherboard (an Asus A7M266-D with 2 Athlon 1900 MP processors). I eventually replaced the motherboard with an Asus P5B Deluxe, an Intel Core 2 Duo 6600, with an Asus Radeon x1950pro video card. The new computer is running great. I can finally play modern video games again. I have been playing a lot of F.E.A.R. Combat online. I just bought Quake 4 and FarCry, and have been having a lot of fun with both of them. Now that I have a video card that supports shader model 3, I can finally mess around with the examples in my programming vertex and pixel shaders book. I started a new Visual Studio C++ project where I copied an example program from the DirectX 9 SDK. I have been making a basic framework for doing 3D stuff. So far it just shows a textured triangle strip plane spinning around.

I have started work on version 7 of the SproutWorks layout. I have decided to incorporate a scrolling tile engine I made. It uses scrolling tiles in a similar way that Google maps does, only it's not for displaying maps. I intend to use it for games and animations. When the new layout is completed, it should look far more interesting than the current one. It will probably have some interactive elements in place of where the logo is now. Last night I wrote a PHP program that draws a spinning gear. It can draw the gear in any given size, color, and with different numbers of teeth. I will make some sort of interesting animation with the gears.

I have purchased a few new video games over the last month or so. Here is a little info on each of them. I bought Bioshock for PC on it's release date, right after I got off work. Bioshock is set in 1960 in an underwater city called Rapture. Something has gone horribly wrong there, it appears to have something to do with the rampant genitic modifications performed there. The environment is really well done, it really seems to fit with the time peroid. Bioshock plays like a first person shooter, but you can use powers from plasmids in addition to the standard weapons. You find plasmids enabling you to throw fire, ice, use telekinesis, electrocute, and many other things. There are endless ways to dispatch the mutant freaks known as slicers. I may write more about Bioshock later, it is one of my favorite games at the moment. I also bought Metroid Prime Corruption for the Nintendo Wii. The game makes very good use of the motion controls. I like the puzzles and the varied worlds of the the Metroid universe. I picked up Brain Age 2 for the Nintendo DS along with Metroid. Brain Age is intended to be played daily, and it claims to train your brain. This idea seems to make sense. Each of the mini games makes you think in ways you normally don't. It tracks your progress in each game, and you can view a calendar of your results. Every day when you train your brain, you get a stamp for that day. Earning stamps unlocks more of the games. The creator of the game, Dr. Ryuta Kawashima, gives you brain tips in between games. I hope my neurons are making more synaptic connections as a result of playing Brain Age 2. Last Saturday I bought Castlevania, Portrait of Ruin for DS. It was on sale at Walmart for $25 so I just had to get it. I have played a few of the Castlevania games, including the original, Super Castlevania, and one on the PS2. It is a great series. Portrait of Ruin stars 18 year old Jonathan Morris and his 16 year companion Charlotte Aulin. They are on a mission to vanquish the vampire Brauner from Dracula's castle, where he is up to no good. I've played through a few worlds, which you enter from magical paintings. There is a large variety of enemies and weapons. You can upgrade your characters through earning experience points and collecting items. I enjoy this game, it has the feel of a classic platformer with lots of modern additions.

I have just added a new animation program to the logo area of this site. I have been working on variants of this system for a while. First, I wrote a JavaScript program that uses a drawing method similar to Google Maps. It uses square tile graphics, arranges them in a grid, and then moves them inside a scrolling area. When a tile moves off the edge of the scrolling area, it is moved to the opposite side of the area. Before it is moved, the tile graphic is updated with the graphic that is appears on the opposite side that is scrolling into the scrollable area. After I got a basic tile scrolling engine working, I made it work with several layers of tiles that can scroll at different rates. I then added the ability to make additional layers of objects that can be positioned anywhere. The animation at the top of this page uses this object layer system. I will make more interesting scenes as the engine becomes more sophisticated.

Kauai Coffee has come out with a new K-CUP design.  It’s half the size, much more eco-friendly, with an improved filter for better flow. They have 3 new blends.  Island …

The post Kauai Coffee’s Innovative New K-CUP appeared first on Coffee Sage : Blog About Coffee.

RSS is the newest technology for communicating with others. It avoids spam and it puts you in the control seat...learm more about RSS...
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In this issue you will see our June Special as well as learn about growing orchids hydroponically and more about RSS.

The "hot" July Orchids Sale as well as more information in Orchid Tips. There is also a beautiful picture of a phal. Enjoy!

New charges against Hunter Biden expected Thursday | 7 Dec 2023 | New federal charges against Hunter Biden are expected to be filed Thursday in California, two sources familiar with the matter told NBC News. Details of the charges from special counsel David Weiss were not immediately known, but one source said they are tax-related. […]

by: Richard WassellIt was American workers on the world's first atomic bomb who became the first industrial victims of beryllium, a rare but especially light, stable and strong metal whose toxic dust can kill those who breathe it.Now Seafarers doing ship maintenance and have used Jasons De-rusting and de-scaling guns (also known as J-gun or Jasons pistol) raise concerns about exposure to

400,000 New Yorkers Breathed the most Toxic Pollutant. Asbestos Poisoning Symptoms. Are you at Risk?by: Tadas TalaikisRecent study of U.S. government provides the latest evidence of a systematic cover-up of the health toll from pollution after the 9/11 disaster, which doctors fear will cause more deaths than the attacks themselves.Belfast Telegraph says, The Bush administration suppressed

by: ARA Content(ARA) - A decade ago, research into angiogenesis-inhibiting compounds was still in a relative state of infancy. The principle itself was not new -- as far back as the early '70s, there was speculation that human cancer tumors could not grow beyond a few millimeters in diameter without obtaining their own blood supply. But opinion was still divided in the scientific

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WDP just released their press release on their new marker, the Angel Speed 06. This new marker looks like great new marker with some nice new features and claiming 30+bps. With a a price tag of $899, this marker will definantly be a competitor in the high end paintball market.

Transparent Dishonesty - better than Lotto?

Not everyone had to get around on skis during the blizzard. During a Feb. 12 walk in Central Park with snow falling all around, I discovered where all the ducks and other birds were spending the snowy day: in the water and the trees [PARTIAL POST: VISIT THE SITE TO READ THE REST AND SEE PICTURES]

Posted by Frank On 03/01/06 At 12:04 PM

Military Transition Tips Article Directory
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The Museum of Modern Art (stylized MoMA) is an art museum located in Midtown Manhattan in New York City, United States, on 53rd Street, between Fifth and Sixth Avenues. It has been important in developing and collecting modernist art, and is often identified as the most influential museum of modern art in the world.[1] The museum's collection offers an unparalleled overview in modern and contemporary art,[2] including works of architecture and design, drawings, painting, sculpture, photography, prints, illustrated books and artist's books, film, and electronic media. Wiki

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