Hello, like all you, I was a CherryShares investor, but I lost almost 2000 dollars in this hyip game! There was a forum and still is - http://speakdollars.com that used to support CS.
I was stunned to find out that they didn't went offline, so this mean they weren't quite a part of CS. And only when I have read this http://www.speakdollars.com/showthread.php?844-SilverDot-betrayal I understood that Speak Dollars CEO, the admin of that forum, had other purposes.
So, I invite you all to go to that forum and join their community as I am doing! Let's rebuild our trust with honest people, not scumbags!
I have been informed by Roland, the admin, to give you also this special link for you to get acquainted with what the guys on the forum are doing at the moment - http://www.speakdollars.com/showthread.php?873-For-new-members
December 10, 2010
December 08, 2010
Learn the Ultimate Secret to Investment Success
Why do you buy a certain stock?
- Because it has bottomed out
- Because it is ridiculously cheap
- Because it is offering a huge dividend
- Because most analysts have given it a thumbs-up
- Because it offers an appealing long-term return
The fundamental secret to investment success is understanding your reason for buying a stock.
To see it clearly, let’s analyze the reasons above:
1. It is very inexact to state that a company has bottomed out, since you can’t know where the bottom is: even if a stock is down 95%, it can still drop another 50%.
2. It is not smart to buy from a cheap company… it may be tempting, but it is also foolish.
There is a reason why a company is cheap, and it is not a good reason. More expensive companies offer better investment opportunities.
3. Huge dividends entice investors; however, these are high normally because investors are running away from the stock, which lowers the share price, which, in turn, raises the dividend yield. Before buying, research why so many are selling.
4. Are you sure a company that is rated high is safe? Consider this:
o Many analysts inflate ratings. As long as a company doesn’t stink, they give it a thumbs-up.
o If most analysts are rating a company high, they can’t upgrade it, and rating upgrades bring in hordes of new investors.
It is best when analysts are kind of indifferent towards a company. In any case, if the business is good, the ratings will go up, which will bring new investors who will increase the price.
5. The only good reason to buy a stock is if you think the company will give good long-term returns compared to other investments.
This company may go down a bit short-term, but it has proven it can grow profits, manage its cash prudently, is in a good sector and has a reasonable price.
If you liked this article, tell all your friends about it. They’ll thank you for it. If you have a blog or website, you can link to it or even post it to your own site. You can get more tips on how to invest your money wisely at CherryShares.com
- Because it has bottomed out
- Because it is ridiculously cheap
- Because it is offering a huge dividend
- Because most analysts have given it a thumbs-up
- Because it offers an appealing long-term return
The fundamental secret to investment success is understanding your reason for buying a stock.
To see it clearly, let’s analyze the reasons above:
1. It is very inexact to state that a company has bottomed out, since you can’t know where the bottom is: even if a stock is down 95%, it can still drop another 50%.
2. It is not smart to buy from a cheap company… it may be tempting, but it is also foolish.
There is a reason why a company is cheap, and it is not a good reason. More expensive companies offer better investment opportunities.
3. Huge dividends entice investors; however, these are high normally because investors are running away from the stock, which lowers the share price, which, in turn, raises the dividend yield. Before buying, research why so many are selling.
4. Are you sure a company that is rated high is safe? Consider this:
o Many analysts inflate ratings. As long as a company doesn’t stink, they give it a thumbs-up.
o If most analysts are rating a company high, they can’t upgrade it, and rating upgrades bring in hordes of new investors.
It is best when analysts are kind of indifferent towards a company. In any case, if the business is good, the ratings will go up, which will bring new investors who will increase the price.
5. The only good reason to buy a stock is if you think the company will give good long-term returns compared to other investments.
This company may go down a bit short-term, but it has proven it can grow profits, manage its cash prudently, is in a good sector and has a reasonable price.
If you liked this article, tell all your friends about it. They’ll thank you for it. If you have a blog or website, you can link to it or even post it to your own site. You can get more tips on how to invest your money wisely at CherryShares.com
December 06, 2010
Learn to Invest in the Safest Stocks in 6 Simple Steps
There are 6 simple steps on the road to hitting the jackpot. If you follow them, it’s almost guaranteed that you will get at least 12% in total annual returns… how do we know that?
Well, because these are pretty much the safest investments around… if you buy right.
The trick is to find primarily strong, attractively priced businesses that happen to pay dividends, and this is how you do it:
1. Never trade income for value
Even in an expensive market with overpriced companies, there are stocks available at discounted prices, even of dividend-paying businesses, which have proven to be tougher than other companies.
Dividend-paying companies grow when the market grows and are much better off when the market slows down.
Dividend + value = double protection against a declining market.
2. Watch payout ratios
These state the proportion of earnings that goes out as dividends. The historical average is 55%; nevertheless, there is no guaranteed number.
As a rule, anything below 55% is fine. If the payout ratio is over 55%, consider this: if it has gone up over the past 6 quarters, drop it, if it has gone down, buy.
You should look for companies that can give dividends and grow; they should give shareholders good cash but not so much that they sacrifice growth.
The higher a company’s dividend yield is, the more likely its payout ratio is going to be high. If you find a company with a high payout ratio and low dividend yield, you are in front of a loser.
3. Do not accept a dividend yield lower than 4%
There is not enough choice above 4%, and too many businesses are below it. Not worth it!
4. Seek at least 10 quarters of uninterrupted dividend growth
Dividend checks must grow, not shrink; thus, you need evidence that a company can maintain sustained dividend growth.
Get a record of dividend growth and identify a solid growth plan executed by experienced leadership.
5. Verify past price performance
The company you choose must already be climbing up the charts.
6. Seize the stock on a dip
Dividend companies are, in general, less volatile; however, it is worth buying them on dips. This could improve you return between 5 and 7%.
Of course there can always be sad surprises, but dividend companies are normally a winning choice. Nevertheless, finding primarily strong companies requires thorough research; if you don’t have the time, look for professional help.
With dividend-paying companies you don’t have to choose between great returns and safety, you can get both!
If you liked this article, tell all your friends about it. They’ll thank you for it. If you have a blog or website, you can link to it or even post it to your own site. You can get more tips on how to invest your money wisely at CherryShares.com
Well, because these are pretty much the safest investments around… if you buy right.
The trick is to find primarily strong, attractively priced businesses that happen to pay dividends, and this is how you do it:
1. Never trade income for value
Even in an expensive market with overpriced companies, there are stocks available at discounted prices, even of dividend-paying businesses, which have proven to be tougher than other companies.
Dividend-paying companies grow when the market grows and are much better off when the market slows down.
Dividend + value = double protection against a declining market.
2. Watch payout ratios
These state the proportion of earnings that goes out as dividends. The historical average is 55%; nevertheless, there is no guaranteed number.
As a rule, anything below 55% is fine. If the payout ratio is over 55%, consider this: if it has gone up over the past 6 quarters, drop it, if it has gone down, buy.
You should look for companies that can give dividends and grow; they should give shareholders good cash but not so much that they sacrifice growth.
The higher a company’s dividend yield is, the more likely its payout ratio is going to be high. If you find a company with a high payout ratio and low dividend yield, you are in front of a loser.
3. Do not accept a dividend yield lower than 4%
There is not enough choice above 4%, and too many businesses are below it. Not worth it!
4. Seek at least 10 quarters of uninterrupted dividend growth
Dividend checks must grow, not shrink; thus, you need evidence that a company can maintain sustained dividend growth.
Get a record of dividend growth and identify a solid growth plan executed by experienced leadership.
5. Verify past price performance
The company you choose must already be climbing up the charts.
6. Seize the stock on a dip
Dividend companies are, in general, less volatile; however, it is worth buying them on dips. This could improve you return between 5 and 7%.
Of course there can always be sad surprises, but dividend companies are normally a winning choice. Nevertheless, finding primarily strong companies requires thorough research; if you don’t have the time, look for professional help.
With dividend-paying companies you don’t have to choose between great returns and safety, you can get both!
If you liked this article, tell all your friends about it. They’ll thank you for it. If you have a blog or website, you can link to it or even post it to your own site. You can get more tips on how to invest your money wisely at CherryShares.com
December 03, 2010
What’s Surer Than Cash in Your Account?
The answer is NOTHING!
Earnings can be suspicious as a result of creative accounting…
Revenues can be booked in one year or several…
Capital assets can be sold and the value listed as ordinary returns…
But cash deposited in your account is a sure thing. It is strong confirmation of a company’s real power, its earnings. Cash is tangible evidence of a business’s success.
This said, dividend-paying stocks may not be thrilling or adrenalin bursting investments, but businesses that are stable and make regular payments are the ones that, at the end of the day, make investors rich.
In case you want to give them a try, here we give you 4 important terms you should understand when investing in dividend-paying stocks:
- Declaration date
This is the date on which a company’s board of directors makes known the amount of the next stock dividend and its ex-dividend date, record date and payment date.
- Ex-Dividend date
This is the date on which the stock trades without a dividend. In other words, if you buy the stock on or after this date, you will not be entitled to the next dividend.
If you decide to sell the stock before the ex-dividend date, the buyer will receive the dividend instead of you.
On the contrary, if you sell after the ex-dividend date, you will receive the dividend, not the buyer.
- Record date
This is the date on which a company establishes the list of shareholders that qualify for the dividend. To be on the list, you have to own the stock at least one day before the ex-dividend date.
- Payment date
This is the date on which the stock dividend is paid to the shareholders of record. Shareholders receive either a dividend check or the money is deposited in their accounts.
Dividend-paying stocks may be the thing missing from your investment portfolio to ensure a steady growth of your bottom line.
If you liked this article, tell all your friends about it. They’ll thank you for it. If you have a blog or website, you can link to it or even post it to your own site. You can get more tips on how to invest your money wisely at CherryShares.com
Earnings can be suspicious as a result of creative accounting…
Revenues can be booked in one year or several…
Capital assets can be sold and the value listed as ordinary returns…
But cash deposited in your account is a sure thing. It is strong confirmation of a company’s real power, its earnings. Cash is tangible evidence of a business’s success.
This said, dividend-paying stocks may not be thrilling or adrenalin bursting investments, but businesses that are stable and make regular payments are the ones that, at the end of the day, make investors rich.
In case you want to give them a try, here we give you 4 important terms you should understand when investing in dividend-paying stocks:
- Declaration date
This is the date on which a company’s board of directors makes known the amount of the next stock dividend and its ex-dividend date, record date and payment date.
- Ex-Dividend date
This is the date on which the stock trades without a dividend. In other words, if you buy the stock on or after this date, you will not be entitled to the next dividend.
If you decide to sell the stock before the ex-dividend date, the buyer will receive the dividend instead of you.
On the contrary, if you sell after the ex-dividend date, you will receive the dividend, not the buyer.
- Record date
This is the date on which a company establishes the list of shareholders that qualify for the dividend. To be on the list, you have to own the stock at least one day before the ex-dividend date.
- Payment date
This is the date on which the stock dividend is paid to the shareholders of record. Shareholders receive either a dividend check or the money is deposited in their accounts.
Dividend-paying stocks may be the thing missing from your investment portfolio to ensure a steady growth of your bottom line.
If you liked this article, tell all your friends about it. They’ll thank you for it. If you have a blog or website, you can link to it or even post it to your own site. You can get more tips on how to invest your money wisely at CherryShares.com
November 26, 2010
4 Things an Investor Must Look Into Before Buying or Selling a Stock
Investment information indicates investors are currently having a hard time surpassing market averages.
Nowadays, you have to go beyond the pure technical line of attack, since the environment is one where individual stocks rise and fall together with the broader markets and neither provides a close inspection of the balance sheets of individual companies.
Today it is crucial to analyze major market indices to make sure that you are investing along the market trends, otherwise you will be taken aback by a market that’s looking at the bigger picture.
Basically, there are 4 things that an investor must look into before buying or selling a stock to make sure he has the winning hand in the current market environment:
1. Is the market trending or caught up in a trading range?
It is a lot easier to profit from trending markets. If you are in such a market, let your winners run.
A trading range is kind of spiky. In this case, you must take profits quicker and, if you decide to buy at all, buy smaller size positions, because your stocks will be very vulnerable to moving up or down due to irrelevant market noise.
2. What’s up with the dollar?
The dollar is an important leading aspect in markets focused on macro affairs. Today, a weaker dollar means stocks are stronger, but a stronger dollar weakens stocks.
In many instances, the dollar leads the market, getting weaker when stocks are about to get stronger.
3. How are market leaders doing?
One of the best ways to sense the market is through the leading stocks.
Market leadership has a tendency to rotate; nevertheless you can see where the leadership is by observing stocks that are attracting uncommonly large trading volume and the ones that have recently and steadily been making new highs or new lows.
If the market trending is up and leadership stocks are doing well, you can assume the market is healthy.
If leadership stocks begin to holdup, it is time to get cautious. Tighten up stops, trade smaller positions, or move to cash.
4. Review balance sheets
After identifying the trend and making sure the market is healthy, you must look for companies with true potential.
Ask yourself these questions:
Is this company making money?
Does the company have a good sales growth forecast?
Is its case for future growth rational and realistic?
In many cases, a company’s stock price rises with the rising trends; however if it is not rising on its own growth potential too and if it is overrated based on current earnings, once the markets corrects, sellers will probably hit the weak links first and very hard.
So, do your homework and avoid serious trouble when the going gets tough.
If you liked this article, tell all your friends about it. They’ll thank you for it. If you have a blog or website, you can link to it or even post it to your own site. You can get more tips on how to invest your money wisely at CherryShares.com.
Like us on Facebook.
Nowadays, you have to go beyond the pure technical line of attack, since the environment is one where individual stocks rise and fall together with the broader markets and neither provides a close inspection of the balance sheets of individual companies.
Today it is crucial to analyze major market indices to make sure that you are investing along the market trends, otherwise you will be taken aback by a market that’s looking at the bigger picture.
Basically, there are 4 things that an investor must look into before buying or selling a stock to make sure he has the winning hand in the current market environment:
1. Is the market trending or caught up in a trading range?
It is a lot easier to profit from trending markets. If you are in such a market, let your winners run.
A trading range is kind of spiky. In this case, you must take profits quicker and, if you decide to buy at all, buy smaller size positions, because your stocks will be very vulnerable to moving up or down due to irrelevant market noise.
2. What’s up with the dollar?
The dollar is an important leading aspect in markets focused on macro affairs. Today, a weaker dollar means stocks are stronger, but a stronger dollar weakens stocks.
In many instances, the dollar leads the market, getting weaker when stocks are about to get stronger.
3. How are market leaders doing?
One of the best ways to sense the market is through the leading stocks.
Market leadership has a tendency to rotate; nevertheless you can see where the leadership is by observing stocks that are attracting uncommonly large trading volume and the ones that have recently and steadily been making new highs or new lows.
If the market trending is up and leadership stocks are doing well, you can assume the market is healthy.
If leadership stocks begin to holdup, it is time to get cautious. Tighten up stops, trade smaller positions, or move to cash.
4. Review balance sheets
After identifying the trend and making sure the market is healthy, you must look for companies with true potential.
Ask yourself these questions:
Is this company making money?
Does the company have a good sales growth forecast?
Is its case for future growth rational and realistic?
In many cases, a company’s stock price rises with the rising trends; however if it is not rising on its own growth potential too and if it is overrated based on current earnings, once the markets corrects, sellers will probably hit the weak links first and very hard.
So, do your homework and avoid serious trouble when the going gets tough.
If you liked this article, tell all your friends about it. They’ll thank you for it. If you have a blog or website, you can link to it or even post it to your own site. You can get more tips on how to invest your money wisely at CherryShares.com.
Like us on Facebook.
November 23, 2010
Learn the Secret to Investing Money with a Sure Reward
What do a successful marketing writer and a successful sports business owner have in common?
Well… both followed a simple rule to get to the top: they focused on doing what they know a lot about.
A marketing writer must have ample knowledge about marketing to be successful, and a sports business owner has to know a lot about sports, maybe even be an athlete himself, to do well.
In the same way, an investor will surely be successful if he invests in an industry he understands deeply or works in, because he will be able to pick the right assets for his portfolio, and this, in turn, will ensure him high profits.
You see, when you understand the details of an industry, its ins and outs, its ups and downs, you know exactly what factors make a company perform well or bad.
There are success traits that are obvious when studying a company, such as revenue, profits, and growth; but there are also other qualities that are not easy to identify unless you deeply know and understand its products, services, and customers.
Here’s where a knowledgeable investor has a real advantage.
Consider, for example, the video-game industry. The average investor would probably buy stocks from companies like “Take Two Interactive” (NASDAQ: TTWO) or “Activision-Blizzard” (NASDAQ: ATVI), because of their earnings and share value, among other factors.
However, if you are knowledgeable about the industry or even better, are a huge fan of video games, you might be able to predict if a new game will be a big hit, just like Take Two’s ‘Grand Theft Auto IV’ was, and you will know that the profits generated by such a game are going to be massive.
For example, Take Two’s ‘GTA IV’ was highly announced long before it was released in April 2008, and the stocks’ value increased from $17 in January 2008 to more than $27 in June of that same year.
So, basically, when you invest in stocks before the rest, the “common” people, and understand how much money is involved, you hit the jackpot!
If you liked this article, tell all your friends about it. They’ll thank you for it. If you have a blog or website, you can link to it or even post it to your own site. You can get more tips on how to invest your money wisely at CherryShares.com.
Like us on Facebook.
Well… both followed a simple rule to get to the top: they focused on doing what they know a lot about.
A marketing writer must have ample knowledge about marketing to be successful, and a sports business owner has to know a lot about sports, maybe even be an athlete himself, to do well.
In the same way, an investor will surely be successful if he invests in an industry he understands deeply or works in, because he will be able to pick the right assets for his portfolio, and this, in turn, will ensure him high profits.
You see, when you understand the details of an industry, its ins and outs, its ups and downs, you know exactly what factors make a company perform well or bad.
There are success traits that are obvious when studying a company, such as revenue, profits, and growth; but there are also other qualities that are not easy to identify unless you deeply know and understand its products, services, and customers.
Here’s where a knowledgeable investor has a real advantage.
Consider, for example, the video-game industry. The average investor would probably buy stocks from companies like “Take Two Interactive” (NASDAQ: TTWO) or “Activision-Blizzard” (NASDAQ: ATVI), because of their earnings and share value, among other factors.
However, if you are knowledgeable about the industry or even better, are a huge fan of video games, you might be able to predict if a new game will be a big hit, just like Take Two’s ‘Grand Theft Auto IV’ was, and you will know that the profits generated by such a game are going to be massive.
For example, Take Two’s ‘GTA IV’ was highly announced long before it was released in April 2008, and the stocks’ value increased from $17 in January 2008 to more than $27 in June of that same year.
So, basically, when you invest in stocks before the rest, the “common” people, and understand how much money is involved, you hit the jackpot!
If you liked this article, tell all your friends about it. They’ll thank you for it. If you have a blog or website, you can link to it or even post it to your own site. You can get more tips on how to invest your money wisely at CherryShares.com.
Like us on Facebook.
November 19, 2010
15 Indicators that Confirm You Are Good with Money
You are not born with the ability to manage your money wisely. It actually takes time, training, and character to learn how to handle money correctly.
Most probably, at school, you never took a “personal financial affairs” class, and no one taught you early on how to save and invest wisely; however, some people have figured out by themselves how it all works and what it takes to make lots of money.
Are you one of them? If you can relate to most of the following 15 indicators, you can be sure that you have mastered the art of making money:
1. You pay your credit card bill in full each month and never pay interests.
2. Even though you may hear otherwise everywhere, you know that the $30 it costs to fill your car’s gas tank is cheaper in today’s dollar than the $15 it cost 20 years back.
3. The only kind of life insurance you would ever consider buying is a term policy.
4. You would never invest in something just because of a hot tip you got from a friend or family member.
5. You are not blindly sold on the fact that the English composition course offered by the Chic University for $1000 is a lot better than a similar course offered by the town’s local college for $50.
6. The car you drive has been fully paid for.
7. Every November, you are fairly clear about how much income tax you will have to pay.
8. If you hear that the S&P Index hits a record high, you don’t feel the urge to get your broker on the phone to ask him to buy.
9. You are not able to understand why someone in their right mind would buy a timeshare property.
10. You don’t know anything about the option market, and are not planning on learning.
11. Every time you are negotiating a purchase and qualify for a discount, you ask for it.
12. You contribute as high as possible to your retirement funds.
13. No matter what wristwatch you wear, a $15,000 Rolex or a $60 Swatch, you acknowledge that all wristwatches are battery-operated, have a similar quartz movement, and all of them will tell you the time with excellent accuracy.
14. You can’t understand why someone would buy a lottery ticket.
15. You can’t remember the last time you borrowed money for an emergency.
If these indicators do not match your thinking, you are not in full control of your money and you should start looking for some guidance.
If you liked this article, tell all your friends about it. They’ll thank you for it. If you have a blog or website, you can link to it or even post it to your own site. You can get more tips on how to invest your money wisely at CherryShares.com.
Like us on Facebook.
Most probably, at school, you never took a “personal financial affairs” class, and no one taught you early on how to save and invest wisely; however, some people have figured out by themselves how it all works and what it takes to make lots of money.
Are you one of them? If you can relate to most of the following 15 indicators, you can be sure that you have mastered the art of making money:
1. You pay your credit card bill in full each month and never pay interests.
2. Even though you may hear otherwise everywhere, you know that the $30 it costs to fill your car’s gas tank is cheaper in today’s dollar than the $15 it cost 20 years back.
3. The only kind of life insurance you would ever consider buying is a term policy.
4. You would never invest in something just because of a hot tip you got from a friend or family member.
5. You are not blindly sold on the fact that the English composition course offered by the Chic University for $1000 is a lot better than a similar course offered by the town’s local college for $50.
6. The car you drive has been fully paid for.
7. Every November, you are fairly clear about how much income tax you will have to pay.
8. If you hear that the S&P Index hits a record high, you don’t feel the urge to get your broker on the phone to ask him to buy.
9. You are not able to understand why someone in their right mind would buy a timeshare property.
10. You don’t know anything about the option market, and are not planning on learning.
11. Every time you are negotiating a purchase and qualify for a discount, you ask for it.
12. You contribute as high as possible to your retirement funds.
13. No matter what wristwatch you wear, a $15,000 Rolex or a $60 Swatch, you acknowledge that all wristwatches are battery-operated, have a similar quartz movement, and all of them will tell you the time with excellent accuracy.
14. You can’t understand why someone would buy a lottery ticket.
15. You can’t remember the last time you borrowed money for an emergency.
If these indicators do not match your thinking, you are not in full control of your money and you should start looking for some guidance.
If you liked this article, tell all your friends about it. They’ll thank you for it. If you have a blog or website, you can link to it or even post it to your own site. You can get more tips on how to invest your money wisely at CherryShares.com.
Like us on Facebook.
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