Author: wallstreete
Added: Fri, 03 Apr 2009 16:38:55 -0800
Duration: 28

WallStreet*E's Private Client Services Group proudly invites you to kick off the First Friday's Gallery Walk from our offices located at 3111 Ponce de Leon Blvd in Downtown Coral Gables from 6:30 pm to 10 pm. About First Fridays: On the First Friday evening of each month, Art Galleries in Coral Gables open their doors for special exhibitions and artist receptions. Thousands of pedestrians line the sidewalks to enjoy fine art, food, fun and friends.

Author: wallstreete
Added: Thu, 08 May 2008 12:16:20 -0800
Duration: 117

Broker WebStation is an independent broker dealer designed to deliver scalable, turnkey online trading and risk management solutions… whether you’re a registered representative or independent provider of financial services. Using the power of the internet, brokers get web-enabled with a “Master Account” - the heart of Broker WebStation. With BWS, independent providers of financial services - at every level of production - stay competitive. Want to web-enable your online clients? Your full-service clients? No problem!

Author: wallstreete
Added: Thu, 08 May 2008 11:49:34 -0800
Duration: 116

Independent Broker-Dealer: Services for RIA's Registered Investment Advisors. Broker WebStation is designed to deliver scalable, turnkey online trading and risk management solutions… whether you’re a registered representative or independent provider of financial services. Using the power of the internet, brokers get web-enabled with a “Master Account” - the heart of Broker WebStation. With BWS, independent providers of financial services - at every level of production - stay competitive. Want to web-enable your online clients? Your full-service clients? No problem!

Author: wallstreete
Added: Thu, 08 May 2008 11:19:34 -0800
Duration: 99

Broker WebStation is an independent broker-dealer designed to deliver scalable, turnkey online trading and risk management solutions… whether you’re a registered representative or independent provider of financial services. Using the power of the internet, brokers get web-enabled with a “Master Account” - the heart of Broker WebStation. With BWS, independent providers of financial services - at every level of production - stay competitive. Want to web-enable your online clients? Your full-service clients? No problem!

Author: wallstreete
Added: Thu, 08 May 2008 10:19:33 -0800
Duration: 154

At Broker WebStation, our focus is the growth of your investment practice. What better way to do that…than offer Solutions for Investment Professionals. It takes time to build a solid relationship with each client. As an independent broker dealer, we provide added value to your operation, so you have more time to build those relationships. As an investment professional, your most valuable asset is the trust and confidence your clients have in you. So, say you already have a primary business… and your clients are asking for your expertise in asset allocation in the equity markets. A. Capitalize on an additional source of revenue B. and Add value to your existing client relationshipsSo remember….when you’re building your business…Broker WebStation can help Brokers, RIAs, CPAs, Money Managers, and Insurance Agents. After all, WallStreet E specializes in nurturing the successful, independent businessperson.

Author: wallstreete
Added: Thu, 08 May 2008 10:19:33 -0800
Duration: 94

Business Model for Independent Registered Reps. Regarding the all-important matter of COMPENSATION for brokers… It’s Commission-Based for independent contractors, the self-employed or for employees of their own firms. On the issue of licenses: Series 7, 24, 4 and any other licenses are held at WallStreet*E. Independent Brokers set their own commission schedule and cab obtain a payout as high as 95% . Independent Brokers also have the opportunity to build equity in their business and establish themselves as Registered Investment Advisors. Acting as Brokers and Investment Advisors, they can charge fees on managed assets and commissions on executed transactions.Independent Registered Representatives have ongoing support from WallStreet*E's expert staff, always at the ready to help with every aspect of serving their clients, as they manage and grow their practice.

Author: wallstreete
Added: Thu, 08 May 2008 10:19:33 -0800
Duration: 120

Our answer... independence! Broker WebStation, through its association with the independent broker dealer WallStreet*E, was designed for you: To help registered representatives make the transition from firm to freedom. With our unique client services approach and technological innovation, we –arm you with the tools you “need to succeed” in this new market. During the Transition, going independent doesn’t mean going it alone. See how our transition team can make the process easier. As you establish yourself as a Registered Rep, design the road map that’ll guide your career to the next level.

Author: wallstreete
Added: Thu, 08 May 2008 10:16:24 -0800
Duration: 82

At Broker WebStation, our focus is the growth of your investment practice. What better way to do that…than offer Solutions for Investment Professionals. It takes time to build a solid relationship with each client. As an independent broker dealer, we provide added value to your operation, so you have more time to build those relationships. As an investment professional, your most valuable asset is the trust and confidence your clients have in you. So, say you already have a primary business… and your clients are asking for your expertise in asset allocation in the equity markets. A. Capitalize on an additional source of revenue B. and Add value to your existing client relationshipsSo remember….when you’re building your business…Broker WebStation can help Brokers, RIAs, CPAs, Money Managers, and Insurance Agents. After all, WallStreet E specializes in nurturing the successful, independent businessperson.

Author: wallstreete
Added: Thu, 08 May 2008 09:49:32 -0800
Duration: 95

Broker WebStation lets RIAs provide Internet Service to their full-service clients. That means RIAs and their clients get access to every investment product and every financial service offered by WallstreetE and its partners.Registered Investment Advisors can also be Registered Representatives. As a broker, you set your own commission schedule and get up to a 95% payout above transaction costs. Acting as an RIA or Independent Rep, you can charge fees on assets managed as well as commissions on executed transactions. RIAs are independent contractors – so instead of building equity for someone else’s firm – they build up their own.

Author: wallstreete
Added: Wed, 07 May 2008 13:46:20 -0800
Duration: 122

· Registered Investment Advisors are independent contractors – which means they’re self-employed or employees of their own firms. In many states, they’re required register and hold either a Series 65 license - or a combination of Series 7 and 66. · How do they make their money? For portfolio management, the fee’s typically a percentage of the client's total portfolio. But they could also charge hourly or flat fees. · RIAs evaluate client needs + risk tolerance, then recommend appropriate investments. · RIAs may offer other wealth management services, like retirement, trust, tax, charitable giving, estate and financial planning.

Author: wallstreete
Added: Wed, 07 May 2008 13:16:20 -0800
Duration: 113

If you want to establish yourself as an RIA, Broker WebStation, through WallStreet*E an independent broker dealer, is uniquely positioned to help you make the transition. Our in-depth knowledge, years of experience and top-notch resources are exactly what you need to succeed.

Author: wallstreete
Added: Wed, 07 May 2008 12:49:33 -0800
Duration: 160

Who do we help? Registered Investment Advisors seeking technology and back office support to manage an independent business, Independent brokers looking for a firm that offers the freedom and flexibility to build a business on their own terms, Investment Professionals looking for turnkey solutions to web-enable their practice and expand their offerings.

Author: wallstreete
Added: Wed, 07 May 2008 11:49:31 -0800
Duration: 172

If you’re a producing broker / registered rep. or RIA… and you’ve got leadership skills, discipline and entrepreneurial drive… then going independent is probably in the cards for you. As an independent registered rep, you already have the most important asset…the trust and confidence of your clients. Add our BWS turnkey technology with back office support… and you have a powerful formula for success! Broker WebStation, powered by WallStreet*E's Broker Dealer services, gives you freedom and flexibility.

Author: wallstreete
Added: Wed, 07 May 2008 10:49:33 -0800
Duration: 110

Broker Dealers: BWS's transition team promises you this: a smooth, timely transition….so you can focus on what matters: Taking care of business!Broker WebStation's transition process is focused on getting your business established… fast. We’ve streamlined the process to banishes disruptions to your business as you go independent.

Author: wallstreete
Added: Wed, 07 May 2008 10:19:34 -0800
Duration: 144

Registered Reps. Going Independent: As an independent broker dealer, we’re committed to helping you take your career to the next level. Our streamlined transition process lets you focus on building your business, while we support you and smooth any bumps along the way. And with Broker WebStation, independent doesn’t mean alone. Our transition team will guide you through the steps that lead to your new, more profitable future!

Author: wallstreete
Added: Wed, 07 May 2008 09:49:33 -0800
Duration: 99

Independent Broker: Wallstreet Electronica offers several services to support expansion and marketing to take you the next level. Wallstreet*E provides web design to develop your public web pages… from an inexpensive template to an elaborate, premium labeled platform with customized web pages. Wallstreet*E will private label its trading platform with your company’s logo and banner… So, when customers on your site log into the platform, they’ll see the same color scheme, same look, same feel of your public website. Wallstreet Electronica will also set up email with your company’s domain, host your website and your private labeled platform. This way, you KNOW your service is always running. Your private labeled platform will have the same upgrades as the Brokerwebstation platform, so your technology’s always on the cutting edge… And cutting edge is good.

Author: wallstreete
Added: Wed, 07 May 2008 09:46:18 -0800
Duration: 117

Broker/Dealers - Brokerwebstation has an array of investment products for asset allocation… and they’re ALL APPROVED by the regulatory bodies. Among the offerings: equities, options, ETFs, mutual funds, Variable Annuities, Money Market accounts, US Treasury and Municipal Bonds, CDs and several fixed income products. Brokerwebstation doesn’t impose sales quotas. You are free to truly serve your clients and their investment goals. Now, let’s consider another scenario: Say you’d like to have a money manager help manage your client assets, giving you more time to build your book. Brokerwebstation is proud to offer “the Advantage solution”. This option lets one of our experienced money managers manage your clients’ assets. You’ll get reports you can review with your customers to show them the progress of their account. BWS also offers a suite of research tools. We’re talking real time quotes, options data, stock screeners, interest rate apps, analyst rating, market movers, advanced charting, news and streaming portfolio management systems. That’s a big suite! Brokerwebstation is also proud to announce its Argus Research. It gives investment pros the data to make decisions…with research on equities, bonds and mutual funds.

Author: wallstreete
Added: Wed, 07 May 2008 08:16:20 -0800
Duration: 109

Supporting Independent Brokers, Registered Reps, and RIA's. Brokerwebstation is a web based trading engine that lets you research positions and place orders through an efficient order management system. You can then monitor the order online. The trading engine is secured with the highest levels of encryption. And because the platform is accessible online, you can check in from virtually anywhere… with an internet connection. The trading engine lets you enter equity orders with limit and stop protection features; options trading; spreads; straddles; mutual funds and fixed income online. The PROPITIATORY engine for placing trades has an “efficiency mechanism” for brokers managing multiple accounts. This allows “basket order entry”… where you can place one ticket for several accounts on the same position, including adding commissions. Simultaneous order entry lets you place simultaneous orders on several types of securities for one account at one time. This engine is a major time-saver! Our platforms also let you conduct a one-time search through all your clients for one position, if you want to close it. This saves time and the aggravation of having to maintain records of what’s in each account in case you one day want to do a master sell of one position through all your accounts.

Author: wallstreete
Added: Wed, 07 May 2008 07:52:31 -0800
Duration: 88

Registered Reps. - Brokerwebstation boasts sophisticated Order Management that lets users manage their risk. This includes “trigger orders”. They “trigger” based on the indices or parameters you set on original orders. You can enter covered call, protective puts, sell limits and sell stop orders “triggered” on the execution of the original order. There are also “index trigger orders” that let you execute orders based on target prices of specific indices. The contingent orders are stored on Wallstreet Electronica’s servers until the main order gets executed. Once that happens, the contingent orders are released. If one of the sell stop or limit orders get executed, the balance of orders are automatically cancelled. The contingent/trigger order system lets you focus less on the strategy of the order and more on their business.

Author: wallstreete
Added: Wed, 07 May 2008 07:52:31 -0800
Duration: 57

Back Office Support & Custodial Services for Indpendent Brokers: Brokerwebstation’s technology is powered by the award-winning trading engine of Wallstreete.com… ranked high by Barons and Smart Money. This includes the trading engine, broker management system, advanced order management systems and private label technology.

Author: wallstreete
Added: Tue, 06 May 2008 17:49:33 -0800
Duration: 131

Are you restricted in your business…? Forced to push proprietary products from your wire house or broker dealer? Are you restricted in the ability to expand to reach your professional goals? How about restrictions to the payouts you get? Doesn’t feel right, does it?That’s where Brokerwebstation comes in. BWS provides a plethora of products for asset allocation. Brokerwebstation NEVER pushes proprietary products - and - has ZERO selling targets. YOU and only YOU control your client asset allocations to best meet their goals. As you grow and your needs change, Brokerwebstation facilitates the scalability and expansion of your practice. How? A variety of expansion models… the development of your own website and our Private Labeling, our award-winning technology. And even the creation of your “branch office” to support junior brokers and registered reps.

Author: wallstreete
Added: Tue, 06 May 2008 17:19:33 -0800
Duration: 110

Why not go independent! Brokerwebstation can help. What does it mean…“going Independent”? Well, it means operating your Investment business on YOUR terms. It means freedom from sales meetings, from the pressure to sell proprietary products, from meeting new customer quotas, and from the annoyance of office politics… all with a 35 to 50% payout! What’s not to like?“Going Independent” means you manage your customers the way YOU feel is best for them.

Author: wallstreete
Added: Tue, 06 May 2008 17:19:33 -0800
Duration: 105

Wallstreet Electronica offers payouts of up to 90%. 90%! And they keep monthly costs low. Wallstreet E believes YOU’RE the one expending the time and effort…YOU should get paid. Sure, some firms offer a 90% payout, but charge you for everything - technology, compliance, every tool you need to do business. WallstreetE’s standard platform includes ALL you need to manage your independent practice – effectively –without high overheads. WallstreetE also has an “a la Carte system”. Just like a dessert tray, you can pick and choose what you like. You can add Level II quotes, Customer Relationship Management systems, private labeled platforms, even websites. Whatever works for you.

Author: wallstreete
Added: Tue, 06 May 2008 16:49:31 -0800
Duration: 112

Is your current firm supporting your compliance needs? Are you comfortable with their procedures? Do you have your Broker Dealer’s support in managing compliance? Brokerwebstation has “built-in” compliance features in its broker management platform, providing additional compliance support for your business. Its advanced procedures are STRICTER than the NASD’s, giving reps EXTRA protection. THAT’s peace of mind. BWS has a compliance platform that lets you review ALL your disclosure documents; manage the firm element and NASD element of your Continuing Education. The compliance platform also has procedures, compliance forms, and reference points for extra compliance info. They make sure you’re covered.

Author: wallstreete
Added: Tue, 06 May 2008 16:49:31 -0800
Duration: 80

Brokerwebstation is a member of the Securities Investor Protection Corporation or SIPC. SIPC provides up to $500,000 in account protection, $100,000 of which may be in un-invested cash. Going one step further, our clearing agent offers additional extended unlimited coverage through Customer Asset Protection Company. “CAPCO”. It’s a licensed New York Insurer which provides Excess SIPC protection of full net equity of securities and cash, with no limitation on aggregate firm or per customer coverage. The additional securities and cash protection is the same type and nature provided by SIPC, but at a higher limit.

Author: wallstreete
Added: Tue, 06 May 2008 16:16:25 -0800
Duration: 60

Independent Broker Dealers: Clearing Services. Brokerwebstation / Wallstreet Electronica currently clears its business through Ridge clearing and Legent Clearing services. Each firm has unique characteristics and a proven industry track record. Ridge Clearing is one of the three largest clearing firms in the industry today, with a plethora of products and services. With its execution partner, Citigroup, it provides first class execution on all transactions.

Author: wallstreete
Added: Tue, 06 May 2008 15:49:31 -0800
Duration: 115

Brokerwebstation combines the award-winning technology of its trading platform… with the broker management platform… to give your business the best possible technology. This technology is web-based… meaning you can access your system from any computer with Internet access. Don’t worry about safety. With built-in Internet security, you can access your business online with complete peace of mind. Brokerwebstation’s Branch Office technology includes a tiered platform for registered reps working under you. You can manage their business while supervising their activities to ensure compliance. BWS can also help you develop your website. Then, the option of private labeling lets you place your banner on all our Brokerwebstation pages. Think about it. You can MARKET yourself using YOUR business name while using OUR technology and clearing services.

Author: wallstreete
Added: Tue, 06 May 2008 15:19:33 -0800
Duration: 99

The Broker Management platform allows Branch owner-supervisors to monitor rep activities. Brokerwebstation has a “permissions database” that allows the rep to see only their client list. They can’t see other reps’ lists, but supervisors can see everything. The platform for the Independent Rep has the same functionality as the Branch Office, just ‘without’ the multiple-tiered and permissions systems. The Independent system lets you view all your clients and manage their assets, either by dropping into their accounts or from the master account level. The broker management system has reporting features for incomplete paperwork, margin calls, money lines, holdings and commission reports. The system also includes a wallstreete domain email address. Or, we can host your company name as the email domain and give you your own email address. Don’t you love calling the shots?

Author: wallstreete
Added: Tue, 06 May 2008 14:19:34 -0800
Duration: 71

Brokerwebstation provides the best in back office support to its correspondents. The BWS back office support staff works directly with the Clearing firm and keeps a direct technology link with them to keep the process smooth. The Back Office staff is licensed and trained to give great support to Independents and Branch Offices in the areas of: New Accounts, ACATS, Margin services, Purchase and Sales services, Trading, Insurance, Compliance. If it’s critical to your business, we can help.

Author: wallstreete
Added: Tue, 06 May 2008 13:19:33 -0800
Duration: 82

WallStreet*E Online Brokers: For more on investment strategies, portfolio management and a comprehensive explanation on the various strategies and styles contact us at WallStreet*E online trading.

Author: wallstreete
Added: Tue, 06 May 2008 12:46:24 -0800
Duration: 101

Investor Education from WallStreet*E Online Trading. Subject: Portfolio Management

Author: wallstreete
Added: Tue, 06 May 2008 12:16:21 -0800
Duration: 93

For more on portfolio management and a comprehensive explanation on the various strategies and styles contact us at WallStreet*E online trading.

Author: wallstreete
Added: Tue, 06 May 2008 11:46:21 -0800
Duration: 93

Financial professionals offer a range of services. Depending on their qualifications and expertise, they can help with your portfolio, taxes, estate, investment strategy. You can use a professional as much or as little as you like. If you want to hand over the reins to someone who understands what you want – no problem! You want to run your own show, do your own research…and just have a broker make your trades – no problem! But whatever your way is, you MUST find someone with good credentials and experience. Someone who’s worked with clients like you. This person needs to inspire your confidence.

Author: wallstreete
Added: Tue, 06 May 2008 11:46:21 -0800
Duration: 101

Tune in to WallStreet*TV for more investor education videos on various investment strategies.

Author: wallstreete
Added: Tue, 06 May 2008 11:19:37 -0800
Duration: 115

Risk and Return: you can’t have one with the other. The greater the risk that an investment can lose money, the greater its potential for providing big returns! Conversely, a small risk investment equals smaller potential gains. The second principle of risk & return? If you get a better-than-average return on a not-so-risky investment, you may be willing to sacrifice potentially greater returns to avoid greater risk. And finally, the third principle says you can balance risk and return in your portfolio. How? By making investments from one risky extreme to the other. That way, you give yourself a shot at the big money returns, while ensuring a chunk of your principal investment stays secure. It’s a portfolio that says you’re safe – but a daredevil – a little bit country – a little bit rock and roll….Enigmatic yet accessible.

Author: wallstreete
Added: Tue, 06 May 2008 11:19:37 -0800
Duration: 89

If you’re struggling with financial decision-making – or need someone to size up your financial picture right now…it may be time.A financial pro should explain investment opportunities…steer you clear of common mistakes…prepare your investment strategy… and basically be your personal expert when you have questions.

Author: wallstreete
Added: Tue, 06 May 2008 09:19:35 -0800
Duration: 89

Both investing and saving mean you’re setting aside some income now for the sake of your futures.The difference is saving usually means putting money in the bank… while investing means you buy stocks, bonds, mutual funds, that sort of thing. Your savings money is a sure thing…and perfect for short-term goals – like saving for a nice vacation – or redecorating your dream home. But investment money is better for long-term goals. It’s money you’re willing to risk in the market, believing it will grow and multiply…and make little baby dollars in your account. Don’t you love the smell of new baby money?

Author: wallstreete
Added: Tue, 06 May 2008 09:19:35 -0800
Duration: 83

Tune in to WallStreet*E Online Broker TV for more on various topics on investing principles

Author: wallstreete
Added: Tue, 06 May 2008 09:19:35 -0800
Duration: 82

So! If you’re new to investing, or want to build on what you know… these are the concepts considered the “foundation”. Risk and Return – and balancing the two! Compounding – that je ne sais quoi that makes your investments grow! Inflation – and how to beat it with investing! Yield – the measure of how much you’re making on each investment. Leverage – for buying power. And last but not least - saving… After all, most portfolios start with savings.

Author: wallstreete
Added: Tue, 06 May 2008 09:19:35 -0800
Duration: 81

Compounding is a financial phenomenon that makes time work for you. It happens when your investment earnings are added to your principal…You’re reinvesting, and increasing the chances of making even more money, faster. Compounding is your friend. Which brings us back to TIME. This “compounding” phenomenon is the reason everyone tells you to start investing young. You’re giving that early batch of investment money lots of chances to compound…over and over again… enriching your life.

Author: wallstreete
Added: Tue, 06 May 2008 08:19:32 -0800
Duration: 100

If you’re a glass half full sort of person – you see inflation as GOOD - that goods and services are getting more valuable, equaling higher prices.If you’re a glass half empty sort of person – you see inflation as BAD – that the dollar’s buying power is withering. Fact is, inflation does erode the purchasing power of your money. Inflation grows an average of 3% a year …sometimes more, sometimes less, always averaging out to 3. Sure, your dollar buys more if prices drop… but deflation tends to happen during economic trouble, high unemployment, slowing production. Not good times.

Author: wallstreete
Added: Mon, 05 May 2008 18:49:39 -0800
Duration: 101

From WallStreet*E's Investor Education Series.

Author: wallstreete
Added: Mon, 05 May 2008 18:49:39 -0800
Duration: 89

In your portfolio’s case…it basically means shifting assets…more of this, less of that, getting rid of investments that don’t fit.When do you “rebalance”? The usual major life events: Marriage, Divorce, New Kid, New Job, Looming Retirement. Or say you wanted 30% of your portfolio in bonds…but market performance turned that 30% into 50% of your portfolio. You realign your holdings to restore the balance you want. Don’t do it…and you could have a riskier portfolio than you ever wanted…OR…one that’s slow to produce returns.

Author: wallstreete
Added: Mon, 05 May 2008 17:49:36 -0800
Duration: 80

When you hear news reports talking about the stock market's ups and downs, it’s usually describing changes in the Dow Jones Industrial Average. Or - it may be referring to the S&P 500 Stock Index.You’ve heard of both. So what’s the difference?The Dow Jones - the oldest measure of U.S. market performance - tracks 30 blue chip companies. The S&P 500 tracks 500 leading U.S. companies in major industries. Both provide snapshots of how the stock market’s doing and both are seen as indicators of future trends in the country’s economic health. Now you have your snapshot of the two big names in Indexes and Averages.

Author: wallstreete
Added: Mon, 05 May 2008 17:49:36 -0800
Duration: 99

Asset Allocation is your master plan for building and managing your investment portfolio. You decide how much to invest in different investment categories. Maybe you buy some stocks, a few bonds, a lot of cash or cash equivalents. And – this is key – how much of each you choose has a major impact on your investment return. Why? All asset classes do not behave equally. A market that produces strong stocks may be a blow to bonds. If you allocated your investments across the board, your slumping fruit stock may be offset by your chip bonds going gangbusters. Step one: Choose which asset classes you want in your portfolio. Then: Consider what percentage of your portfolio you want to allocate to each of these asset classes. And that concludes Asset Allocation 101.

Author: wallstreete
Added: Mon, 05 May 2008 17:49:36 -0800
Duration: 108

Asset allocation means investing in different types of assets — stocks, bonds, cash. Diversification means finding the right mix of investments to cushion your portfolio against market downturns. International investments are getting popular in diversification strategies. But that’s not enough. You’ve gotta keep tweaking. As your portfolio grows, as your goals change, you may need to change that asset allocation. If you want to take less risk, you may exchange some bonds for more cash equivalents. So – remember the two universal principles of smart investing: Asset Allocation & Diversification.

Author: wallstreete
Added: Mon, 05 May 2008 17:19:30 -0800
Duration: 95

We’re talking about FUNDS. Mutual funds - exchange traded funds - real estate investment trusts.Instead of you worrying about what to buy, when to sell, how to get the right mix of investments… these funds expose you to a wide variety of stocks and bonds and assets. They do the dirty work. So instead of researching investments, you can research your next vacation. Oh – and did you know some funds have gone hybrid? They’re the “Exchange Traded Funds”…half mutual fund, half individual security…very diversified. If you’re hankering for more about funds or any of the tons of topics we’ve tackled…ask the experts at Wall Street E!

Author: wallstreete
Added: Mon, 05 May 2008 16:19:34 -0800
Duration: 89

This is about Investor Confidence. If you – the investor – feel confident the securities markets are fair – you’re gonna spend money. Businesses will get to use that money. There will be growth. But if the public “loses confidence” in the system – and suspects insiders are manipulating things – no one’s gonna want to invest. Buh-bye cash flow! Adios economic growth! Here in the U.S., economists think the public IS confident – and it shows…in the cornucopia of capital in the market. An always-evolving regulatory system keeps players in check….regulators at the federal and state level, inside the industry itself. Because frankly, it’s not the damage one cheater can do in a dishonest deal…it’s the damage to the confidence of investors that can really devastate a market.

Author: wallstreete
Added: Mon, 05 May 2008 15:49:36 -0800
Duration: 100

By knowing your rights about financial privacy, you could reduce unwanted pie-For example, when you set up an account with a financial services company… you give them every ounce of personal and financial information. THEYgive you their privacy notice. Read it! You’ll realize they’re TELLING you they’re going to share your information. They may give it to their parent company or an affiliate or sell it to outside marketers. If you DON’T want your financial services company to share you – you have the right to tell them NO.

Author: wallstreete
Added: Mon, 05 May 2008 15:22:32 -0800
Duration: 102

t’s painful to put your hard-earned money out there…not knowing if you’ll see gains…or never see it again. The only certainty is that prices go up, or they go down. And no one knows when. So if you’re taking the wild ride, it helps to understand market cycle. Cyclical patterns recur in all markets — stocks, bonds, money market, real estate. But the cyclical pattern in one asset class tends to work in opposition to what’s happening at the same time in another class. In other words, if bonds are going gangbusters, stocks may be wobbling. And just to reinforce the unpredictability of market cycles, there are also exceptions to THAT rule, when all the markets are strong - or weak – at the same time.

Author: wallstreete
Added: Mon, 05 May 2008 14:49:47 -0800
Duration: 100

Without regulation – how could you trust that you were getting an equal shot at making money? You wouldn’t invest if you thought the market was infested with inside traders who knew more than you did. So…Who’s watching to make sure all’s on the up and up?The federal government, state governments, and the securities markets’ own regulatory bodies. The markets are kept “transparent” – for all to inspect. After all, the system has earn your trust…to earn your business.

Author: wallstreete
Added: Mon, 05 May 2008 14:49:47 -0800
Duration: 109

Unlike what you see on TV, a will isn’t supposed to be dramatic AND it isn’t just about “who gets what”. That IS part of it… but when you really start thinking, the big questions come up: Who will look after your kids if they’re still minors? Who’ll run your business? Who’ll be the beneficiary of your retirement plans? What about life insurance: How much do you need to leave enough for your family? Then, there are deeper questions no one likes to think about: Like? What if you become too sick to make medical and financial decisions? Who’ll make them for you? Does that person have authority to act in your name? Do they even know what you want? Last but NOT least, you didn’t leave all that money behind just to have your heirs lose half of it to taxes. Work ahead. Minimize estate taxes and administration expenses… Because death and taxes both happen, but they don’t have to happen together.

Author: wallstreete
Added: Mon, 05 May 2008 13:19:44 -0800
Duration: 89

Simply put, Indexes & averages are yardsticks to measure how well your investments — and the economy as a whole — are doing.There are dozens of these measures… but you’ve already heard of the biggies: the S&P 500, the Dow Jones Industrial Average.Thing is, each index and average is a little different and provides a different profile of the market. Some include 1000s of securities and give you a big picture. Others are narrow measures. Others give more emphasis to changes in prices of higher priced stocks, some use a geometric average, others are capitalization-weighted…. you get the picture. Indexes and averages…the really technical yardsticks for the financial world.

Author: wallstreete
Added: Mon, 05 May 2008 13:19:44 -0800
Duration: 96

Well, this explanation is comfortingly uncomplicated: How a company gets publicly traded. A company – let’s call it New Company - decides to raise capital by issuing new shares of stock or bonds…Investors buy them up. Then, they can hold ‘em, or they can resell ‘em right away, if they want. These sales happen on exchanges like the New York Stock Exchange, and on electronic securities markets like the NASDAQ. The supply and demand for that company stock will show in the pace of trading, the prices, and the gains investors make. But for all the money being made on the open market – our company “New Company” – isn’t getting another dime. Issuing companies make money on the initial offering and typically, aren’t involved after that. All “New Company” can do now is buy back its own stock or redeem certain bonds, if it issued them.

Author: wallstreete
Added: Mon, 05 May 2008 12:19:33 -0800
Duration: 105

For most of us, our HOME is our biggest investment. And the investment begins with the down payment you make. How much determines what percentage of the property you actually own. That’s your equity. The greater your down payment, the greater your equity. As you pay off the principal on your mortgage, your equity goes up. When your mortgage is paid off, you’ve got 100% equity. As an added bonus, if your home appraises higher than the day you bought it, you have MORE equity. On the downside, if your home reappraises lower, you lose equity. It’s almost a guarantee that a home will rise in value after several years. But, this is where I tell you the not-so-great part: Even if you take good care of your property, things happen: a sluggish economy, high interest rates, changes… What if a superhighway or airport becomes your new neighbor? That’s why you always hear: Location, Location, Location.

Author: wallstreete
Added: Mon, 05 May 2008 12:19:33 -0800
Duration: 96

We begin this mini-class with the term “stock market”…you think you know what it means…and you’re probably right…because “stock market” means a LOT of different things.It can refer to the physical location – the exchange – where you see frantic investors buying and selling and screaming and waving! But in other cases, it may not be a place at all, but an electronic network that allows trading worldwide. In news reports, “the stock market” usually refers to that day’s performance of the Dow Jones or S&P 500. And sometimes, it’s just the term people use to talk about stocks and bonds and options and securities in general.In the biggest sense of the term, the stock market is the force that fuels economies worldwide, empowers business and governments and individual wealth-building.So when someone asks you, “How’s the stock market?”, take your pick of answers….

Author: wallstreete
Added: Mon, 05 May 2008 11:49:40 -0800
Duration: 102

Some things just go together. And so it is with employers and their employee retirement plans… Employees get retirement income, employers get a tax deduction. Traditional pensions and profit sharing-plans are funded 100% by the employer, and everyone gets to participate. With Salary Reduction Plans… only eligible employees get to put away a percentage of their salary, pre-tax. In the best plans, employers contribute or match contributions. You won’t pay taxes on that money until you start withdrawing…years from now…when you’re retired and in a lower tax bracket or too rich to care. But where pensions are automatic & require nothing of you, salary reduction plans make you take money out of your paycheck now. It may hurt, but if your employer – “The Man” – is kicking in a contribution…that should ease your pain.

Author: wallstreete
Added: Mon, 05 May 2008 11:46:23 -0800
Duration: 79

Used to be mortgages were a lifetime commitment… 30 years or bust. So why are millions of us falling for newer, younger mortgages? Refinancing has its attraction…a lower interest rate, lower payments…or maybe you want to consolidate a first and second mortgage… maybe you want to convert some of that equity into cash to make a major buy…like your child’s college education. With the rise in adjustable rate mortgages, switching to a stable rate is ANOTHER reason REFINANCING looks hotter than ever.

Author: wallstreete
Added: Mon, 05 May 2008 11:19:32 -0800
Duration: 101

For starters, you’ll need enough cash for a down payment, which is easily 10% to 20% of the home’s price…but sometimes as low 3% or even 0%, but only if your credit is as shiny as Barbie’s heinie. Then there are forget closing costs. Once you’re in, factor in monthly mortgage, insurance, property taxes, the inevitable home improvements and plain ol’ maintenance. Buying versus renting all boils down to your priorities: personal and financial. If you buy, you get a tax shelter – you build equity – you can eventually borrow against the equity – and when you sell, you could walk away with a nice chunk of change. If you rent, you don’t need a down payment - if the fridge breaks, you don’t have to replace it – and if you decide to move, you don’t need no stinkin’ buyer!

Author: wallstreete
Added: Mon, 05 May 2008 11:16:24 -0800
Duration: 101

Your estate includes everything you own. If you don’t make a plan for those assets, you can’t guarantee they’ll go to the people and organizations you wanted. Plus, if you’re lucky enough to have a big estate, you REALLY need a plan or TAXES will devour itt. Step 1? Create a plan to identify what you own. What is everything worth? What’s the total value of your estate? Knowing the answers will help you decide if you should start giving stuff away NOW to avoid potential taxes later. A HUGE mistake? – thinking it’s enough to just TELL people what you want…It’s a painful and painfully common error. What you want must be spelled out in legal documents – a will or a trust. That’s THE BEST way to know all you worked for…will go to the family or friends or charities you most loved.

Author: wallstreete
Added: Mon, 05 May 2008 11:16:24 -0800
Duration: 110

Owning a home is an emotional goal… it makes you feel like you’re part of a place, like you’re a grownup, like you finally have a tax break. And unlike stocks and bonds and your car, it’s an investment you can live in. Now before you get carried away by the scent of fictional apple pie …buying a home may be the biggest investment OF YOUR LIFE. You’ve got to proceed with caution. If you already own your own abode, is it time to REFINANCE? It could reduce your monthly interest. OR – how about using that abode as equity…or… as a line of credit to finance other projects? This isn’t just for whippersnappers…say you’re retired, living on a fixed income…I got two words for you: Reverse Mortgage. Instead of YOU paying for your house, your house pays YOU. Nice! And it’s legitimate. Don’t believe me? Just ask any financial advisor at Wall Street E…they’ll tell you.

Author: wallstreete
Added: Mon, 05 May 2008 10:49:33 -0800
Duration: 103

If providing a college education for your child or grandchild is a big financial goal of yours, you need a plan — to ensure you’ll have the money when the time comes. One of the best reasons in the world to invest is the future. For many of you – “the future” is the education of your children or grandchildren. But paying for college? It’s a lot like buying a new house…in a pricey neighborhood…with a 10-year mortgage. Start early. Designate an account for college costs –then invest in it regularly. Build a diversified investment portfolio with the potential to provide growth and safety Lastly – and perhaps most importantly – Take advantage of investment programs specifically designed for education expenses. There are many kinds – some national, some for state colleges – and chances are one of them is going to work for you.

Author: wallstreete
Added: Mon, 05 May 2008 10:19:39 -0800
Duration: 105

An option is a contract to buy or sell a specific financial product at a specific price within a preset period of time. Options belong to a category of investments known as derivatives, because their prices reflect the value of the item you’re buying. Fancy financial types call the item the “underlying”. You can buy & sell options on stocks, stock indexes, futures contracts, currencies, and Treasury security interest rates. Options are extremely versatile and different investors use them differently… conservative types wait for the right price, speculators use them for their leverage.

Author: wallstreete
Added: Mon, 05 May 2008 10:19:39 -0800
Duration: 100

To meet our financial goals: a secure Retirement, a College education, Home Ownership, Estate Planning. Let’s say you have college-bound kids…and we all know tuition is amazingly expensive…But – worth it. So, you can get a head start by taking advantage of state savings programs… Explore Section 529 college savings plans. Look into education savings accounts (ESA’s). The tax benefits make the investment a little easier for parents. Some families may qualify for more tax breaks, like tax-free redemption of U.S. savings bonds, the Hope Scholarship credit, Lifetime Learning credit. And – come income tax time – you might even get to deduct tuition payments and student loan interest. No matter what you make…if you have a child who wants to go to college…you’re going to do your child – and yourself – a huge favor by planning ahead.

Author: wallstreete
Added: Sat, 03 May 2008 18:19:32 -0800
Duration: 114

In a managed account, you have an expert, a real pro, customizing your portfolio, diversifying your investments, even giving you individual tax planning. It’s a lot like a mutual fund – but you directly own the securities in your portfolio. Plus, you know the manager is guided at each step by the account’s specific objective. But managed accounts weren’t accessible… It used to require a big bag o’cash – or roughly the price of a rapper’s necklace – just to invest. But the price of belonging keeps dropping. You can also consider mutual funds managed accounts or multi-manager accounts that include different asset classes and investment styles. Bottom line? Managed accounts come at a price – but they combine the benefits of direct ownership, professional management, and diversification.

Author: wallstreete
Added: Sat, 03 May 2008 17:49:31 -0800
Duration: 94

Cash has many names – Cash investments, many games…CDs, money market accounts, Treasury bills. These investments can help protect your principal, save for short-term goals, provide liquidity. They’re also safer than stock or bonds. If they’re bank deposits, like CDs, your money’s insured by the FDIC. Treasury bills are backed by the fed. BUT – there’s always a but – because cash investments are so safe – the returns are modest. Advisors think you should keep three to six months of living expenses in highly liquid, easy-to-access cash equivalents… That way, you can tap that cash to cover emergency expenses or a great investment opportunity. THAT’S making your cash-money work for you!

Author: wallstreete
Added: Sat, 03 May 2008 17:49:31 -0800
Duration: 101

Derivatives are futures and options…and they’re so versatile – they can work for both Johnny Danger AND Nervous Nelly. Intrigued? Here’s more … Johnny Danger investors use derivatives for their leverage. Because derivative prices are volatile, Johnny can lose a lot of money or make a lot of money this way, very quickly. Nervous Nelly investors can use derivatives in a totally different way: To “protect” their portfolios from falling prices, lock in a great purchase price, or, for immediate income. Instant gratification. But with derivatives, it’s all about timing…making it ideal for those of you glued to the ticker making day-to-day trading decisions…not the buy-and-hold types.

Author: wallstreete
Added: Sat, 03 May 2008 17:49:31 -0800
Duration: 107

They’re Exchange traded funds (ETFs) – and they’re half mutual fund, half individual security. With an ETF, you buy and sell shares in an entire portfolio of securities — as if you were buying and selling shares of a single stock. And just like with mutual funds, you own shares of the ETF rather than shares of the underlying investments. Each ETF tracks an index or a sector, both broad and narrow. An ETF can include dozens or hundreds or thousands of securities. As the number of indexes to track keeps growing, so do the number of ETFs… And here’s an interesting tidbit… In the U.S. – each index typically has just one ETF tracking it… So only one ETF goes where no other ETF has gone before.Live long and prosper.

Author: wallstreete
Added: Sat, 03 May 2008 17:46:19 -0800
Duration: 91

Cash Investments and/or Cash Equivalents: Short-term investments that earn interest on your principal. What sets cash investments apart – is their liquidity. They can go from investment in your portfolio to cash in your hands – fast. And chances are good you won’t lose money in a quick cash-out. By contrast, sell a stock quickly to cash-out, and chances are 50/50 you’ll lose. In the big picture, cash investments in your portfolio can be like a buffer – against the ups and downs of your more volatile assets, like ca-ray-zee stocks. Plus, their liquidity and price stability means cash equivalents can play a part in both your saving and investing strategies.

Author: wallstreete
Added: Sat, 03 May 2008 17:19:31 -0800
Duration: 96

A bond is a debt investment. I’ll explain: When you buy a bond, you invest by lending money to a corporation or government…whoever issues the bond. This issuer can go to town with your money – BUT only for a specific time – then, it’s time to pay the pauper. You!They repay the money you graciously loaned them, PLUS interest. Which is nice. Considering everyone else probably CHARGES you interest. All this is why Bonds are also known as “fixed income investments” because you earn interest at a specific rate on a regular schedule until that bond matures. Some people buy bonds for the fixed income. Some like to trade bonds to make money when they sell.

Author: wallstreete
Added: Sat, 03 May 2008 16:49:32 -0800
Duration: 97

You know the old saying: Kill two birds with one stone?It’s just a saying …Annuities are like that… they’re tax-deferred retirement savings plans, but they’re also insurance policies. When you buy an annuity, you’re investing a certain amount of money with an insurance company. The insurer promises to credit earnings to your account and to annuitize your account value. Annuitization means that insurer will return your principal and earnings to you in regular payments - guaranteed - for the rest of your life. Or, if you prefer, you can withdraw your money as you need it. Some investors use annuities as a way to accumulate tax-deferred earnings without planning to annuitize. Others buy annuities as a personal pension, to provide a stream of guaranteed lifetime income, and to have a good life insurance policy, to protect the family.

Author: wallstreete
Added: Sat, 03 May 2008 16:49:32 -0800
Duration: 106

Our topic is a popular investment choice: Mutual funds. Simply put, a mutual fund buys and sells stocks, bonds, other securities… But how does it raise the money for all this buying? By selling shares in the fund to people like you. The mutual fund hopefully goes on to make money, keeps a chunk to cover costs, pays the managers…THEN whatever profit is left, is paid out to you – the shareholder. There are gazillion types of Mutual funds, but they ALL have the same 3 features: 1 – They all state an “investment objective” for what the fund wants to achieve 2 – Every mutual fund has a manager – or managerS – who run it 3 – All of them offer a “reinvestment plan”, so you can plow your profits right back into buying more shares Now all this is just an appetizer of information… for the 8-course meal on mutual funds, you need a professional. Of the investment kind. From Wall Street E, of course …

Author: wallstreete
Added: Sat, 03 May 2008 16:49:32 -0800
Duration: 98

When you buy a bond, you’re actually loaning money to the issuer. That’s right! YOU are the bank! Of course, you expect that money back – and then some. So, the issuer pays YOU interest for the privilege of using your money. Suddenly, you have fixed income. People think bonds are more conservative than stocks…and generally, that’s true. While you hold onto them, the marketplace ups and downs don’t matter. But changing demand does affect the price, so you can also trade bonds to make capital gains from selling for more than you paid to buy them. If you want to put all your eggs in a basket of bonds, no problem! You can “be diversified” by buying bonds that are radically different – like one that matures by St. Patrick’s Day – and one that matures next century!

Author: wallstreete
Added: Sat, 03 May 2008 15:19:35 -0800
Duration: 92

Hello, financial daredevils… in our search for alternative investment choices – we’re going Over the Hedge. Fund. “Hedging” means taking both long and short positions. You’re thinking am I confused or is she talking football. When we talk stock, “going long” means you buy shares and hold onto them - because you think they’re going to go up. If you take the “short position” - you borrow shares and sell them, expecting the price to drop. Here’s where you get wily – you “rebuy” those shares at a lower price and then return them, making your profit. THAT’s “hedging your bets”. THAT’S what a hedge fund does.