July Fourth Holiday

Hi folks just a quick note to wish everyone a safe, happy godly holiday today. While everyone is hopefully drinking responsible having a good time it's always good to check your portfolio investments to see what your winning or losing with stocks and bonds. Do look over your charts to see what's market trends are in your charting for the week. Yes, the markets are closed on Wall Street for trading for the holiday weekend. This is still a market that makes radical movement from pressure from overseas investors. You know therefore that these people don't run on the same time clock and strategies that we do in America.. So given that this is how our market system works paying attention to every detail will help you avoid being a victim of the change. You will be better able to predict when the herd of leading investors chooses a different direction so that your not facing the problem of your  portfolio sagging in the negative..

Have a Great Day.

Holiday Weekend Coming

Well, most people woke up this morning to a new day realizing that their is a celebration of our countries freedom this weekend. Yes, it's almost here with July 4th parades, fireworks displays,cookouts, combined with general relaxation with family and friends. I am writing this Thursday afternoon to inform everyone to have a happy holiday weekend. Their is definitely defiant market swing this week as a result of the Federal Reserve changes in the discount rates. This governs many different economic factors that are important to know which I will address in a few minutes. The economic GDP this quarter is showing slow growth with a tracking and projected growth of about 2.8 on the index of leading indicators. The stock market tickers does tell the story with investors feeling the pressure from sluggishness in the economy overall.  The bright spot is leading companies like Boeing,Apple,IBM,Bank America Corp.,and other competitive global businesses are reporting new posted above average earnings growth for this quarter. A broad economic overview shows the trade deficit with our international partners closing the gap so that America is in better shape compared to our industrial overseas partners like Germany,Japan,England,France etc. The jobs situation is still a problem with more people having their jobs phased out or outsourced to other foreign competitors. Some of the economic problems in America is due a change from manufacturing to a high technology combined with  services a based economy. This trend doesn't seem to be showing any signs of slowing for the immediate future. When you are looking at how the market reaction is on a chart basis you can clearly see the economic picture in clear focus. We do have some winners in business with certainly the same in markets in technology stocks but overall things are still not a rosy picture for business and investment this quarter. Looking ahead on projected gains for next quarter we will have to see what impact of improvements the economy will do..
You can look for the next quarter to be mixed results with some corporate giants continuing to post gains while other parts of the economy remain at a stable 2.1 percent of GDP output.  This reflects a drop stock profitability in combination with a increase in a return to higher inflation for the next fiscal quarter. The Federal Reserve will lower the discount rates another full 1 point or maybe more in a effort to jump start the economy. This will certainly help the economy to begin growth at a larger rate of GDP overall for next quarter including the rest of the year..

Have a Great Day..
Your comments are welcome. .

Blogging Again. .

I have decided to return to writing again with a focus on writing good articles about economics,business and stock portfolios investment advice. So look for lots of new hard hitting market,business advice with solid professional ideas from a real world of business and investment knowledge.. Just remember folks to follow me here combined with  checking back frequently to see what new posts and powerful ideas I have for business and market direction that will make you wallet growth happen..

Getting Wealthy
  Is
Much Easier With Knowledge.

Suitcase Economics

I know that i often hear it from business people that the rate of business industry growth is not what it used to be a decade or two decades ago. This kind of ideas comes from a decade of shrinking corporate profits combined with a large scale shift in buying practices by the consumer. If the answer is to look at your ROI then you see many changes in your bottom line profit margin. So many businesses have to stress speed access to a product or service compared to actual face value of the items itself. This is caused many managers and business owners to change how they advertise,market and overall sales of products or services. Adding to the flexible climate shift  you have all of your competition is outsourcing a lot of product development and manufacturing into foreign countries. This really is putting American business into a newly unknown territory where business is forced to sell their products in a global market. This definitely has major market share plus for business growth but a definition of who you are and what you do is much harder to get in front of the prospective customers. The research speaks for itself in many trade magazines like Forbes who know that it's hard to get your customer to buy from your business because your product,service and message is being drowned out by global competitors. This is why you see less Mom and Pop businesses still open operating in the century we currently live. The factor of globalization has almost wiped out small business in America with a change toward larger retail and global corporate giants able to sell their products on a mass scale. The bigger killer is cheap imports from China,Singapore and Malaysia which reduce the overall quality standards on a market share. By drowning the markets with cheaper foreign goods it's making American businesses who used to enjoy supremacy scramble for the share of whatever markets are available. American businesses are taking the brunt of global changes with more need to address the trade imbalance that still exists with our wealthy partners worldwide. We, that is American business is the engine of creative and ingenuity need to get more involved with lifting up our quality and standards again a a leader in the world..

Retirement Planning

I recently was talking to a long term friend of mine about retirement  finances in older age. He exclaimed all the virtues of being very wealthy having more than a hundred thousand dollars to his name in retirement accounts. Well, this really started me thinking that their must be lots of average working people have very little knowledge about investments and retirement planning. First of all only about 10 percent of the total population of American people have a excessive  amount of financial wealth. This puts my friends in a higher income and saving level bracket than most of America. They both have amassed a larger amount of riches due to their income and investment levels over about 17 years. Their are many in working America that live with paychecks that don't know what it is to be financially wealthy.  These are the people who struggle to live and generally don't have a retirement savings in a plan of their choice.  I know that many people try their best to live with what little they have financially so due to being poor they never plan for retirement.. Planning for you and your spouses retirement is a important thing to do so that your setup later in life for after retirement expenses. Any smart investment planner will tell you that you'll need to put away about a third to half of your mutual married lifetime income into these accounts. Your choice of accounts should reflect a broad spectrum of investments into CD,Roth IRA,Stocks,Bonds,Mutual Funds and other investment tools This will achieve a good retirement package being a married couple for your golden years ahead. Financial planning should include expected life changes after retirement. Some examples of items to be considered are hospital medical expenses,doctors,down sizing of your home by selling it, changes in your portfolios value. These expenses i have listed can make you quickly deplete your lifetime savings and put your retirement plan into a tail spin. Always consider what you as a married couple want to mutually achieve for your later years by describing it in detail on paper. When you've agreed to the full plan then start looking for the right investment tools that fit the plan. You should build into your married retirement plan a certain cushion of extra money for items like your favorite golf course,travel on a cruise ship and exotic adventures to Belize,Cancun beaches etc. Think very hard together trying to anticipate even the most basic expenses like the costs food,home, the costs of keeping your cars registered,insured. If your doing everything right together you'll enjoy a great retirement lifestyle filled with long years of happiness and exciting adventure in your later golden years of life.

Have a Great Day..

New Ideas. .

Well i have to admit i haven't been here in unfortunately a long time so i lost probably most of my loyal readers.. Sometimes it takes time to get back into things if you been away from it for a while. I just scanned through all my old post log to my amazement this blog started in 2009.. I cannot believe it really this long i have been writing this business and financial blog. I know that at one point i had hit a milestone in global readership with surpassing the ten thousand marker. I figure that i must have done things right at the time to gather that much readership which doesn't come overnight. I had to unfortunately quit doing this blog and mostly everything else due to health problems which i am happy to report i am feeling increasingly better.. Doctors say if i keep up with my walking and self empowerment program with my health i will be in a great position to be one of the business movers and shakers of the world.. I love my doctors enthusiasm for overcoming difficult goals but in part how can i disagree as he knows more about his field than i do and the same is reciprocal about my being a business expert. So i thought i would do what the doctors told me which is to slowly go back to working full time which includes all forms of work including writing. Things are changing so i am feeling good enough to write again which is actually a good thing since i am a workaholic. So look for a gradual return to this blog as i a written media forum for intelligent business articles that make sense from a business standpoint.. Have a fantastic day today with your business peers and family..

Christmas. .

I want to wish everyone a very merry Christmas to all my readers..

Business Solutions

Business Solutions To Community Progress

Let’s take a look at who in the business world supports community development.  Many businesses are very active in promoting housing and work-based programs that increase both the awareness and financial support of social community programs. These programs such as Habitat For Humanity, which builds homes for the under privileged, and the United Way Homes for Life Program are all good examples of business and community members working together.

By bringing together these needed resources and the financial backing of the more wealthy companies we build a partnership to solve community problems in both urban areas and the rural population too. Businesses have more freedom to be create change and innovation than what our government is able to do.

The innovators combined with the ceo s of all size companies contribute a combined total of 83 percent of all donations to community sponsored reinvestment programs such as the ones previously listed and many more. Forbes Magazine ranks Fortune 500 list companies that share and contribute the most to community reinvestment and new development by a ladder profile. Companies like McDonalds, Starbucks, Panera Bread, Exxon Mobil, CVS Pharmacy, Shaw’s Supermarkets and many others contribute more per capital in donations and sponsorships than all the others out there.

Most Chambers of Commerce and local and national business groups are heavy involved in civic development and support of charity and community reinvestment. When business and civic organizations join together they are better able to address and manage problems both at the local and national level when there is a need to be filled.

The engine of business is the leaders and problem solvers who can put forward both financial and intellectual resources to get the job done and solve community problems from a more efficient and stable platform than can most any other vehicle that is available.

Looking at cooperative ventures with people of all types shows how businesses can be the catalyst for great changes in a community. They can offer a fresh opportunity for outreach to community leaders and provide more suggestions and solve problems that otherwise would be left to the back burner or never tackled at all. Partnership in a world of everyday change means that you can have both businesses and civic organizations working together to achieve common goals to solve issues that benefit both sides.

Doing this helps us achieve a better community through private business outsourcing, in partnership with civic groups. You are then able to grow a very nice urban or rural landscape that is both aesthetic and functional while also creating new jobs and homes where more people will want to stay and raise their families for all future generation to come. Business is always the solution and will continue to be that functional piece that drives innovative ideas in a inter connected world that we currently live in this millennium.. Businesses are the ones who reach out to better persons lives in concert with government and civic organizations, so that we can grow a better future for everyone.

Turkey Day

Well it's nice to enjoy the holiday season which i certainly did with my lifetime friends Dave and Liz who served up great food,football and lots of laughs Thursday evening. I did however just remember that i forgot my responsibility to you the readers of this blog to post here on Turkey day. So for all the reading public of this blog i am sorry for my being both lazy and late to posting to here. Hope everyone had a great thanksgiving and when Monday comes it is time to go back to work.
Have a great Saturday today..

Synergy

I know that many of you who read this blog will scratch their head trying to figure out what exactly this word means to a business. The facts i will explain in just a few minutes but before you go wandering off to read something else. Actually synergy in business is really important to know all about it since it deals with your companies front door. You can have great customer service and other parts of your business but if you don't know your synergy your bound to failure even before you have any kind of financial success. Knowingly ignorant of your customers demographics can limit your business in it's ability to provide the right products and services that the buyer wants. If you do your research regularly to find out who will prospectively buy your products based on demographics then you have a leg up on the competition. Pretty simple to understand what that all means but surprisingly a lot of business people fail to use it or don't know about it. Just opening and operating a business is not enough to make you a successful entrepreneur. I know that sounds harsh but being in business is not a nine to five job as it is a career instead to be self employment. You make the right decades of decisions in business that make you a recognized success or you flop and go to the unemployment line.. So choose your synergy well which will make you a long term success in business is the best thing to do..

Credit Crunch

Well i think it certainly is interesting that my favorite business channel Bloomberg has missed the boat on the credit problem. It used to be that business in America could borrow cheap money to expand with new products or services. These companies shared one conman theme which is easy access to credit financing without the headache of higher interest rates. Lots of things have changed to where banks and lenders have greatly tightened the noose on businesses obtaining loans. This has come as a result of the Federal Reserve printing more money, fewer loans and climbing interest rates.  You add in the Federal Reserve mismanagement of monetary policy which has caused banks to consolidate or go under water on their balance sheets. This all packages up to be that business in America has gone overseas to other countries more favorable tax and credit structure. This is why we have a growing unemployment in the nations workforce because business is being overtaxed,over regulated and credit availability has dropped to a all time low. If you want to make American business function to full capacity you have to fix several problems which are making it harder to do business in this country. The credit problem is choking the life of American business which is the blood of America itself. Yesterday I was watching the nations debt crisis playing out over the mainstream news channels and i thought what about the businesses of America don't they count for something. After all we are the engine that makes America great both large and small business vendors. If you empower business in America then you can solve many of the economic and political problems that this country is currently facing.

Market Rally..

I know that most people would be more willing to bailout on a market that hands down this year a loser. I am sure that some will sit in their office chair laughing at my following comments. You see that i am a contrarian market investor who has consistently beaten the market with a three to one market average. I am not bragging here but while most of the herd has run out the door losing their portfolios i made money. The facts speak for themselves while everyone bailed out on bad stocks and junk bonds i bought in at every bottom curve in the market. I have made myself a growing income including  certian circle of business people. I have used this same power investment strategy in business,stocks and real estate to beat the competition meanwhile they failed. The fact that some people in my business have objections and skepticism have quickly discovered that my formula works. They are shocked that they never tried this to make money on their own. The fact is I am revealing exciting information that most corporate gurus know about.  The rest of mainstream people don't know this why you have a huge difference between rich and poor is information. So if you have the information and the will to carry it out you can rise from regular blue collar job to Gulf Stream jet money bags.. Food for thought for those people who don't believe you can make a better life for yourself and your family..

Return to Blog..

Well it certainly is not a happy thing for me to have to temporary be absent from this blog here again this year. The good news is with some new equipment upgrade it is easier now to manage doing this for you the readership. I am going to continue where i left off early this year with more financial news and predictions . So I am going back to my style that everyone loves which is to be the economic pundit.. Begin looking for new exclusive exciting articles and viewpoints about business,stock investment and of course financial items of interest. Have a great day..

My Stock Picks For This Coming Week..

Hospital Visit

I apologize for not posting here to my loyal readers but I have been in the hospital..I just got out of the hospital Wednesday evening and hopefully I am getting well sooner..
Thanks for your continued support of this blog and my businesses..

Cheap Imports

Good morning I hope that everyone is ready to make money today.. I got to thinking a lot about how global trade effects America versus our foreign competition. I know you think this means I am going to rant on some tangent about our competition. Truth is our foreign competition mostly is beating us at our own game in all the markets worldwide. Trade is a hot button issue which is important to every business no matter how big or small you are in the pond. The problem is that our competition is beating us by production of cheaper products that they are flooding the market with all them worldwide. OK. You say well it's alright that China combined with Europe have a sizeable lead but we make good products that the world wants to buy. This is the problem we have not figured out how to market our products that will compete with these powerful trade pacts and countries like China and Germany. My thought is we need to rethink how we market our products with a clear message to our customers worldwide showing them the advantages of buying American. If you do make quality products which we definately do that here in America then your buyers shouldn't be buying from your competition. When we can as American business fix this problem so that cheaper products made in China,Malaysia and Germany don't beat our products on the world markets. I think then we will begin to end the massive trade deficit and imbalance that currently exits which is hurting our economy.

Market Predictions

Good morning to all my faithful readers of this blog. Well I hooked another anonymous scoop this day which I want to share with you. You see I am a research fanatic when it involves both business and investment. This time I pulled off a really interesting find when looking over the chart data this morning.. Most of the best financial gurus missed this one by a long shot but I found it. So here it is while the market is on a rocket ship ride past 14 thousand and could go much higher this year. The little known thing I found shows a very steep drop coming before mid year of June. So while it is great to ride the wave of green in your portfolio you better have a bottle of tums soon because the market is going do a reverse course correction. Many investors are going to get hurt by this crash when it hits a bottom of about 500 points.. This is not a flash crash but instead a permanent correction in the market due to poor home sales,weakness in the economy and climbing interest rates. So just invest in a broad range of both stocks and bonds that will weather this kind of market correction. By doing this you will limit your market risk which you need to do so you bullet proof your portfolio and your current investments..

Work Break

This is the most emotional for your employees the three mandatory half hour break times every day. The thing that really as a employer you can do to improvement of this time useage is to offer more options. You see any smart business man knows that in order to keep employees happy you have to add more benefits.These benefits can be a video game system,free lunch and other things that will increase employee loyalty. Giving never hurts when your trying to build a business and your employees are a important part of your business just as much as your customers. So the next time your management teams comes to you to say you need to make changes think about addition of some of these corporate important improvements.

News Channel ..

Yup, it is your financial guru and resident critical tactical business analyst. I just want to rave this morning over my newest ventures with my news channel. You see I have done it again a empire builder.. Oh No!! I can hear the criticism already from other business people and Wall Street investment analysts. You see I have quietly been creating a global news service which is growing in popularity. The facts speaks for themselves according to social media and Google demographic data which I track regularly. Norton News Corporation is on track to become a mainstream media outlet ..Yes, you heard me right this is a global news and information service that will eventually compete with the regular giants like CNN,Fox,ABC etc. Sounds really great to achieve this but I have been building corporate America for most of my life. This is a challenge for me to do with so many good sources of news out there but this is something I want to be offering on a global scale.. So, this year I started this news service to provide just that to a global educated audience..

Stock Market Upswing ..

Good morning to all you early birds it is the fearless critic here.  Has anyone seen the run the stock market made this week? Well it sure is impressive to run up 200 to 300 points gain and maintain that momentum all week. Normally you might get this kind of run following a sharp decline which would be a flash run up or down course corresponding to the way the market correction. This is different this week with a boat load of good economic data. You combine this with the news from the Federal Reserve bank that they are going to cut the discount rate a half a percentage point. The third part that has added more good to the economy is the news from the chairman that they are going to print and pump more money into the economic system. This has fueled Wall Street investors to buy heavy into the market this week. Normally investment gurus like myself are sceptical about the market based on long term experience. This time I have to say I am pleased with the upswing which gives plenty of opportunity to make money if you are investing in blue chips and staying away from bonds. Buying into solutions in stocks that are considered solid proformers like Boeing and Verizon is a wise choice. So, I recommend that everyone jump into the market and go make yourself some quick easy profits this week while the upswing rally continues..
Have a great profitable day.