Author Archives: Sherwin Brown

Sherwin Brown

About Sherwin Brown

Sherwin has been an entrepreneur since he was twelve years old. He currently teaches, writes, and speaks to people about how to improve and safeguard all aspects of their financial portfolios.

Warning: The Annual Summer US Stock Markets Selloff Is Coming!

US Stock Markets Update:

Summer sell off is coming
Question #1
What has changed about the US and world economy two months ago?

Answer: Almost Nothing

Question #2
Did anything change in China?
Answer: No

Question #3:
Is the price for a barrel of oil still a lot lower than a year ago?
Answer: Yes

Question #4
Is Greece still in a financial mess?
Answer: Yes

Question #5

Is the US Federal Reserve Board (FED still going to raise interest rates?

Answer: A resounding YES!
So; you may ask, why did the US stock markets bounce back up so quickly?
For example, the Dow is back up to 17,808 from a low of 15,370 (A nice 15% gain in just two months.) after the very wild ride in the first two months of 2106?

Warning, Don’t Get Too Happy!!

I have some excellent news for you; we are going back down!!! I think with the usual annual summer sell-off; I am over 99.99% sure this summer will be a very bumpy one. ….Yes, when the US a stock market is going down/correcting it is not bad news for intelligent investors.

It is very hard to find any fundamental reasons that the US stock markets will continue to go higher from here. However, the market mostly operates in the short-term on emotion, such as fear and greed, so that I may be surprised.

Remember, you have been warned, hang on, we are in for a rough ride in the upcoming months.

Schedule K-1s! (IRS Form 1065):
Don’t you just love them, I do? I get a lot of questions on Schedule K-1s!

My very beautiful, and most of the time kind, and sweet bride, Dinara always tells me” if you love me, you should not mind repeating things over a thousand times.”
So, as I have said every year now for over ten years; if you get K-1s each year, and they are in an IRA, they are not taxable.

You can always log on to TurboTax and try to enter them in, and as soon as you get to Part II under I2, TurboTax will ask you if this box is checked and if you say yes, it will stop you!
Please feel free to try it.
Once it stops you, you just have to keep these K-1s with your 2015 taxes.

And, if the IRS ever send you a letter saying you owe us taxes on this, you just fax them your IRA statements, 100% of the times that is all it takes, and they will go away as they have done for every single other person I have helped over the years who the IRS have contacted via mail.

Amazing Facts on The Major Credit Card Companies and Amazon.com: As You Shop This Holiday Season 2015

As you spend money this month on holiday shopping, here are some amazing facts on the most popular credit and debit cards that I am 99.99% sure are in your, pockets, purses, wallets and handbags: Bonus Amazon.com

Holiday Shopping 2015
1. Nine years ago, a person charged $5,000* on his/her MasterCard and today she/he still trying to pay off the balance if they only pay the minimum required monthly payment

2. Nine years ago, another person invested $5,000 in MasterCard Stock (bought shares). Today that $5,000 is worth $106,203

3. Now, which person will you be 10, 20 or even 40 years from now?

Please click on the link below if you want to see how well you would have done with shares of Visa and American Express and, even, astonishingly Amazon.com

(MA) Starting trading as public in 2006: Today’s Value of $5,000 invested is now worth $106,203
June 08 of 2006 $5,000 divided by $ 4.61 = 1 084.59 x 97.92 current (current price 12/07/2015) = $106,203

Visa (V): Starting trading as public in 2008: Today’s Value of $5,000 invested is now worth $29,749.00
Visa : May 19 of 2008 $5,000 divided by $ 13.37 = 383.97 shares 79.55 x current (12/07/2015) = $29,749

American Express (AXP): Has been publicly trading for over 43 years. Starting trading as public in 2006: Today’s Value of $5,000 invested is now worth $106,203.

June 01 1972: $5,000 divided by $ 1.42 = 3,521.12 shares x 70.61.55 (current price 12/07/2015) = $248,627)

And now for an, even more, Amazing facts on a company that you must use credit or debit cards to pay; Amazon.com!

I am very sure you someone you know is doing some shopping on Amazon.com. Now, let see how well you would have done if you invested the same $5,000 when AMZ first became a publicly traded company on May 16, 1997, as of 12/07/2015.

$1,935,924.85!! Yes, your $5,000 would be now worth almost $2 Million USD.

Oh, Amazon is the one stock that does not pay any dividends that I wrote in my book, “: How NOT to Lose Money, Over 110 Years of Investing History Cannot Be Wrong”, a book you must buy.

And, if you had just bought just one share when my book was published last year November 24, 2014, it would have cost you $335.64 but that one share would be worth as of today $677.33, over 100% in return–compare that to your savings and checking account that is only paying less than one percent.

* Very Important fact when you charged and owed money on your credit cards; that money is not owed to MasterCard or Visa, it is owed to the bank or firm where you make the monthly payment.

If you want to learn a lot more, please check out my blogs posting and my books

powerful personal finance books which are sold everywhere, where e-books or paperbacks books are available.

Or you can just simply click this link

www.sherwinpbrown.com

When to Sell Stock(s)

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Over the years, as soon as people meet me or learn that I am a long time experienced investor, they start bragging about a stock that they have that as done very well because it has increased in value (Very few talk about the many that they have lost money on).

And I always ask, “So, did you sell enough shares to at least prevent you from losing your original investment when the stock goes back down?”

Always with a puzzled look on their faces, they reply, “You mean take some profit?” No, I reply, you always want to leave your profit in the market. What you want to protect is your principal, your hard-earned money, your original investment. By taking out you original investments, you can sit back and not have to worry about the wild emotionally driven up-and-down swings in the stock markets. Even better, if the stock you own pays at least a quarterly dividend, your profit can be keep growing over time collecting reinvest dividends.

And with that explanation you can see the imaginary light bulbs go on over their head, “Oh, I get it, then all that is at risk is my gain, not my initial money!”

However, most people always find it hard to sell a stock that is doing very well (and sometimes even one that is clearly is a loser that will never recover). Sunk-cost fallacy.

I will share a true story here. I remember meeting this guy who asked me for free advice on a stock he had bought, he paid $30,000 for 2,000 shares of this stock that cost him $15 per shares. When I met him, the stock had gone up to $25 per share, so it was now worth $50,00. I said. “If I were you I would take out $31,000 and leave $19,000 in the market, so no matter what happens, you can never lose your $30,000 in this stock.”

He looked at me as if I was telling to give up his first born, and that I was crazy because this stock, his stock only has one direction–UP!

Anyway, and about six months later he called me on the phone and said he wish he had listened to me because the stock was now down to 36% and he now only had $32,000.

He came back to visit me unannounced because the stock had now dropped down to less than $1.80. But, as it keeps dropping, he kept buying to where he had over 30,000 more shares for a total of 32,000 shares at a total cost of over $80,000–he had used credit cards and equity in his home, and he was really upset with himself because this has caused a lot of stress with his wife..

After he had left, I did some in-depth research on the stock. It was a medical stock, that was going through FDA rejection after rejection, but I did notice it was not due to the product, but the sloppy medical trials. I called him back and explained this to him; he was still not happy has his home life was not the best.

About two years later I noticed that stock price had gone back up to over $9.80, and I called him, and I said your value is now over $300,000. I told him to sell at least half and pay off the credit cards and his home equity loan, he said no he would not because they were one more step away from possible getting approval by the FDA and the stock would go up even more. And he was right; the stock went to $38 per shares, and when he call me I said you were right you are now a millionaire with over $1.2 Million.

He asked me what to do and, again, I said to sell at least 25% and diversify your portfolio by putting some in mutual funds. He said he would and schedule and appoint to meet with me, but a week later but he kept rescheduling it until he just did not show up.

Then the dot com bubble burst and even though it was not a technology stock, the tech bubble crash was so bad that it took down all types, over 90% of companies saw their share price plunge by over 50%.

I called him a few times as the market kept going up then down and with wild swings, but he always found and excuse. The last time we spoke he still had over $400,000, but he told he is going to wait until the market recovered.

And then 9/11 came along, and the market continued to fall and so did most stocks and no one was having a good time, especially for people in the stock market business. I gave up on him, and about two years later he called me and I told my assistant just to take a left a message because I was in a meeting.

Later that day I look at the stock, and I was shocked to see that it was down to $.25 per shares because even though the product work it was more of discretionary medical devices and due to the back economy people just did not buy it and sales were poor.

I called him back to see if he had sold any and he said no, he was now going through a divorced and his life was in shambles because he add borrow more money and bought more shares at $.25 he now own 92,000 shares and the price of the stock was now $0.07 total value $6,440.00!

I have never heard from him then, and the stock price has never recovered; there are reasons for this story.

*ALL investments have risk, especially equity investments such as shares of company stock
*At some point, you must sell shares of stock you bought

When to Sell Stock:

First of all buy only stock that pays at least quarterly dividends: (with one exception Amazon.com: More on this please read “Why I Changed My Mind on Amazon”)

Here are My 5 Rules to When to Sell Stock

1) SELL, whenever you have a stock that the price has gained more than 20% in less than year: Sell enough shares so you can take out your original money invested plus 10% of your gain. For example, say you invest $20,000, and it gained 20%–now you have $24,000, so you would sell enough shares to take out $20,000, plus $400 so now you have $3,600 left in the market.

Do you see the beauty of this investment strategy? Your original investment of $20,000 is no longer at the risk of the market, plus you pocket $400 for a bit of fun money. You can now relax knowing that no matter what happens in the market going forward, you can never lose any of your original money, but you still have money in the market collecting dividends that are being reinvested to buy more shares in a down or an upmarket.

2) SELL, If a company reduced their dividends payout amount before your investment shows a gain of 20% or more. When a company reduces, suspends, stops or cuts their cash dividends, something is not working, and you should be alarmed! Always, remember this; a company that is paying a minimum of a quarterly dividends is usually a profitable company, and when management and the board of directors cut or reduce dividends payout, you should also reduce your holdings.

This is 100% certain, when a publicly traded company cuts or reduces their dividends, the stock price will immediately dive down, be patient wait for a few days and sell a minimum of 70% of your total shares, even if it does not bounce back. If they cut the dividends payout 100%, do the same but sell 90%. I believe that if you do your research right, you should never sell 100% of you stock unless something really bad happens to the company, where you know it is a matter of time before they file for bankruptcy.

3) SELL whenever everyone one is really happy. If all your friends, family members, coworkers and general media is saying how well they are doing in the stock market that’s when to sell stock. Look at the stocks that are in your portfolio that have doubled within a year and sell 30% of those shares.

4) SELL if you will need the money in less than five years and keep the money in cash until you need to spend it. (Read more about this in “Your Buckets of Money”)

5) And my last rule on when to Sell Stock: SELL to keep your portfolio in balance so that all times you have only 70% in stocks and 30% in cash. If you do this, a remarkable thing happens; your will take the costly emotion out of investment, because when the market is doing very well, you will be forced to sell shares to put more in cash, and when the markets are correcting/crashing, you will be forced to buy more shares which mean you will be selling when the stock markets are going up and buying when the stock markets are going down.

Very Important NOTE on Selling: Never sell 100%–try to keep at least one to five percent: Here is one of the founder of Apple sold off 100% of his shares of stock for only $800 and bought gold to be safe, he now admitted in 2015 that his gold is worth only $1,750 but if he had kept his shares of Apple it would be worth over one billion USD (Read more Here)

Thanks for your time and attention and remember to learn more by getting a copy of one of my powerful personal finance books that are sold everywhere e–books or paperbacks books are sold.

Or you can just simply click this link

Link

The US Economy Always Goes Through Cycles, Good and Bad!

Guess which one is coming up?

Recession 1

I had a dream last night that I was temporarily lost in the woods where it had freshly snowed. Actually, it was more like a nightmare since; I truly hate snow, ice and cold weather. Then, this morning I was outside in my garden and, even though I live in sunny South Florida, I noticed that the tree squirrels were very busy preparing for what passes for winter down here. I watched them run back and forth for a while; then I thought of something;

We should enjoy living in the moment, but we must also prepare for the future.

I have noticed that even very wealthy people save for “rainy days.”

The American economy has done well since the last recession in 2008; it has had over six years of continuous growth. Yes, this is good news, but the bad news is that the American economy goes through cycles and we are due for a correction.

In 1995 through 1999, we had an economic boom due to technology growth, partly due to the fear we had about the doom & gloom of the impending Y2K.

Remember, we were brainwashed to believe that we had to upgrade our computers because they were only programmed to go up to the year 1999 and not 2000. So, on Jan 1, 2000, every business and every home had new computers, new software, new applications–and in the first quarter of 2000, there was almost zero sales activity at computer stores and outlets. Hello, tech-bust.

2008 housing bubble

With a lot of Government spending, we climbed out of that recession only to build another bubble; The housing bubble!   From 2004 -2007 we saw the value of real estate go through the roof only to see another bubble burst in 2008. Again, the US Government intervened with massive spending, and from 2009 through now in 2015. We steadily recovered due to very low interest rates and very cheap loans.

The oil sector in the USA used this cheap money to put in massive infrastructures and used new technology to pull huge amounts of oil and natural gas out of the ground. This put OPEC in a wringer as they had legitimate competition, which drove prices down. The great news is that we have an oversupply of oil and natural gas. The bad news is that the abundance of oil sends the oil prices crashing over 65 percent from its high in 2008.

oil bubble

With infrastructures in place and oil prices so low, the huge spending also has come to a screeching halt, and we can clearly see that the US economy is now starting to slow down. What does all this mean? Very clearly it means that whenever spending stops, an economy will again head for a recession.

What should you do? Well, just like the tree squirrels in South Florida and very busy ones in the northern parts of America getting ready for the winter months ahead, you need to start planning for some rocky times ahead. How do you do that?

Start saving at least 20 percent of your income. Cutback and only buy things you do not really need. Maybe look for a more secure job.

Pay off as many of your loans as you can, especially the ones where you cannot deduct the interest rate on your taxes. Think of all the things you wish you had done before the last recession and do them now.

Yes, the recession may not come in the next, month, next year, two years or five, but I know one thing for sure–it will come.

 

Thanks for your time and attention and remember to learn more by getting
Or you can just simply click this link

Smart Investors Earn Money in An Up, Flat or Down Market

Imagine sitting by a beautiful gushing, crystal clear river on a very, very hot day with the sun pounding on your body, dying of thirst, and you cannot drink any of that cool refreshing water.

Smart investors enjoy rivers on a hot summer day

This is the same principle as having non-dividend-paying stocks in a down or declining stock market.

You are not getting any more shares at a much lower price.

And to make matters worse, the market can stay down for over five years!

Smart investors, always own dividend-paying stocks.

If you don’t, believe me, ask Warren Buffett.

What smart investors do

Remember smart, wealthy people earn money in an up, flat or down market and you can, too. It’s simple; if you want to be wealthy, do what wealthy people do.

Learn how to get paid while you wait by getting a copy of one of my powerful but easy-to-read personal finance books that are sold everywhere where e-books or paperbacks books are sold.

Or you can just simply click this link

www.sherwinpbrown.com

An Amazing True Story About A One-Time $40 Investment

Here is an amazing true money story about a one-time $40 investment …

Coca Cola story 1

So, you have been waiting for a correction to buy shares of a good profitable stock (companies like Chevron or Exxon Mobile) that has been increasing its quarterly dividends for the past 50 years.

When the stock price of the company finally went down, you pounced on it and bought some shares, but a few days later the whole stock market dropped like a rock, and the price of  your newly owned shares went down along with the others!

What Should you Do?

Foolish investors will let their emotions get the better of them, panic and sell off, but Intelligent Investors know that this is a good thing.   Intelligent Investors know that at a lower price, the cash dividends will re-invest (assuming they are in a dividend reinvestment plan, aka DRIP) and buy more shares at these much lower prices.

Yes, we all want the stock markets to go up, up and up and away! However, that is very unrealistic–history has proven time and time again that the stock market does go up, but it must correct (come back down to a lower level).

The second guaranteed fact is this; after the stock market crashes, or corrects, for over 110 years now it always goes back up to a much higher levels than before. Intelligent Investors have an iron stomach–they buckle their seatbelts, ride out the storm and are wealthier in the long run.

Let’s use a very true story, one that even Warren Buffet even is on record telling. In 1919, when The Coca-Cola Company started selling shares to the to the public, the price per share was $40, but one year later the American economy was in turmoil and the Coca-Cola Company stocks plummeted to $19 per share–that is a whopping 52% decline.

If you were a foolish investor, and you panicked and you sold off, you would have lost over half your money! However, the Coca-Cola Company started to pay a quarterly dividend in 1920.

And here is this remarkable true story; for the people that were smart and held on to that one share that only cost $40 and did not add one penny more; they just sat back and let the all the dividends reinvested, the value of that one share that had dropped from $40 to $19 is now worth over $11 million U.S. dollars as of today September 11, 2015.

This amazing story is not only true with the Coca-Cola Company but any company that has been around and integrated into the American economy for over 30-plus years.

coca Cola true story2

These are companies that you, I and millions of people MUST pay for their products and services each day; a few good examples are your gas and electric company that is a utility company.

Since I started off this topic with petrol companies, another good example is the fact that you, I and millions of people put gas in our cars and trucks every week or every two week.

Sometimes when I tell the amazing-but-true $40 story of the Coca-Cola Company, a few people always say, “that was then, but now it is different.” I always ask, “Did you put any money in an increasing dividends paying companies twenty years ago?” The answer is always no from these doubting people. However, I always ask again “How much do you have now” and they get the point.

The fact is that most people plan on being around twenty years from now, and if you do not start doing something, even if it is a small step, you are going to be worse off  than you are now!

In summary, you cannot buy time, but when it comes to compounding dividends, time buys you lots of money!

Thanks for your time and attention, and for those of you who want to have a lot more money in the future, please get a copy of one of my powerful but easy-to-read investment books Very Powerful books that are sold everywhere e-books on paperbacks books are sold.

 

Or you can just simply click this link

www.sherwinpbrown.com

You Must Buy The Right Stocks!

When You Buy The Right Stocks, It Does Not Matter When You Buy Them, In Good Or Bad Market  As Long As You Are Investing For The Long Term!

Foolish vew and the correct veiw of the market. Why it is so important to buy the right stocks

One of the most important things when investing in the stock market is to make sure you buy those shares, where if the economy collapses the next day, these companies will survive until it bounces back.

You do this by buying companies that offer products and services where millions of people MUST use every day; such as the companies you, your family, friends, businesses and the local and federal government send a check to each month such like the gas and electricity company.

Companies like oil and gas companies such as Chevron Corp. (CVX) and Exxon Mobile Corp. (XOM), where millions of people are going to stop and buy gasoline for their cars and trucks.

We ALL must still drink water, so  Aqua America, Inc. (WTR) is going to sell water to people in good or bad times, right?

We all must eat food, so farmers are going to have to grow crops and they will need to use fertilizer from companies such as Potash Corporation of Saskatchewan Inc. (POT)

No matter how bad things get, the freight trains such as CSX, inc (CSX) are going to move goods that people still need across the country.

Millions of people are still going to take medication that they need to stay alive each day.

People may not have enough food to eat, but they are going to pay their mobile phone bill; try taking a cell phone from the tens of millions of teenagers who, to them, the mobile phones are like lifelines.

Most importantly, make sure these companies pays at least a quarterly dividend, that has been increasing over the years.

If you buy the right stocks and the next day the stock market goes down 50%, you do not have to worry. As a matter of fact, you will now be getting more shares as your reinvested cash dividend will only buy you more shares because the stock prices are lower.

Buy The Right Stocks

In 1919 The Coca-Cola company first opened to the general public (going public) at $40 per share.

The very next year was one of the worst years in the history of the US stock markets, and Coca-Cola stock price went from $40 to $19–a drop of over 52 percent!!!

However, for the people who did not panic and sell off their shares, that one share which had cost only $40, if they or their families had just ignored the media and  hold on to it and let all the dividends reinvested, that one $40 investment is now worth over $11 million USD today.

Yes, $40 is now worth over $11 million and coca cola is just one of the hundreds of dividends paying stocks that have done remarkably well over the years, don’t believe me? Just ask the second-richest person in the world, Warren Buffet, whose first investment at age 12 was none other than Coca-Cola.

In summary, doing a bit of research and buy the right stocks, really does not matter what the market does in the day to day short term.

You can learn so much more about my safer dividend stocks strategy by getting one of easy-to-read but very powerful  financial books that are sold everywhere in paperback and ebook.

bull or Bear 2015 Stock marekt drama

Fun Stock Market Question:

A bull is depicted as a Rising Stock Market, and a bear is as a Crashing/Correcting, right?

Now Do you know Why people are so frightened by a Bear Market

A bull may hurt or kill you, but a bear not only will kill you, but you will be his next meal …

It can take you 10, 20, 30 years or even a lifetime to build a very nice profitable  stock portfolio, but making a bad mistake and selling off  when the stock marketing his correcting can wipe you out for good, especially if you are foolish to use derivatives or margins…NEVER USE Margin unless you can stand to lose more than 100% of your all your money.

“Vision without action is daydream.
Action without vision is nightmare.”
—Unknown

What is your vision in life?

Mine is to help improve the lives of a of over 18 million people such as your self

so please help me by sharing information about my books

Thank You So Very Much

www.sherwinpbrown.com 

Summer 2015 Stock Sell Off!

Summer 2015: The Usual Summer Stock Sale Is Finally Here !!

Hope you and your loved ones have had a very happy and fun Summer!! .

It has been an unusually busy one for me.

Markets Update:

Buy When There is Fear, Sell When People Get Greedy. The August Stock Sell Off

The usual summer stock sale is finally here.

For awhile there, I thought we wouldn’t have a stock sell off this year but, thanks to the secret crisis in China and the annual crisis of bankrupted Greece, we now have the annual summer dumping of stocks! These are the times I have been telling you about for years; this is a time in the market when the emotional investor will panic and sell … even if it means losing money.

Folks, you don’t make money by buying high and selling low. Especially when everyone is doing a stock sell off

So, what should you do in August 2015 when everyone is sell, sell, selling? If I were you, I would be Buy! Buy! Buying!

This is where the intelligent investor searches for bargains in safer dividend-paying stocks. These are company stocks where millions of people must buy and use their products and services every day.

Learn how you can use these annual stock sales to earn lots of money for the long-term by checking my Financial Blogs and get a copy of my book, “Simpler Safe Investing”; at www.sherwinpbrown.comm

Warren Buffetts only two rlues

I wrote this blog ” Beware of the Ides of August below, three years ago:

***” Beware of the Ides of August

How to Prepare for Any Financial Disaster

How to Safely Invest, so You are Prepared for Any Disaster  such as The Greek Debt Crisis

photo of greek crisis

People ask me what I think of Greece Debt Crisis? I will answer this as I have done each time skittish investors started panicking because of some kind of global crisis and even here in the US; let’s start with some basic questions.

Q: Are you going to have still to pay your utility bills if Greece goes bankrupt?

A: Yes

Q: Are you and billions of other people going to put gas in your car?

A: Yes

Q: Are you and millions of other people going to pay AT&T or Verizon mobile bill?

A: Yes

Q: Are you and millions of other people going to use still your Visa or Mastercard?

A: Yes

Q: Are you and millions of other people still going to eat?

A: Yes

Q: Do thousands of farmers are going to still grow food? 

A: Yes

Q: Are you and billions of other people still going to drink water?

A: Yes

Q: Do millions of people still have to keep taking their life-saving medications?

A: Yes

Q: Are companies like CVS, Walgreens, and Wal-Mart, still going to need buildings to sell medications and other stuff to people?

A: Yes

Q: Will the freight trains still have to move tons of freight of goods and produce that hundreds of millions of people need across the USA?

A: Yes

Q: And even right down to the very basics; are you and tens of millions of people going to use still the bathroom each day?

A: Yes

Q: Are you invested in companies that offer products and services that I mention above?

A: No! Then you do need to worry!

So let’s summarize; if you invest in companies where millions and millions of people have no choice but to use their products and services, then in the long run you don’t have to worry. It’s really just that simple.

Remember: Warren Buffett invests knowing that they may close the stock market for ten years, and he is right–the government can do this.

But, if all or most of your investments are in mutual funds such as bond or stock funds, then you should worry because most of the armchair investors are going to sell their funds as soon as the media start broadcasting and focusing on any crisis.  And the portfolio manager of your funds has no choice but to sell his underlying holdings to get cash to pay the people who are panicking which, in turn, will drive your portfolio down really fast to where you will lose money.

The irony of being a mutual fund manager is thus; when he/she really needs people to invest so they can have money to buy stocks that are now on sale, that is the very time he/she is forced to sell even more of these same beaten down stocks to pay people who are screaming for their money. And after a long time when things are good again, and all the stock have rebound people will once again start investing again and, he will have cash, but he is forced to buy–at the top.

On the most important questions of all is; do you have all (100%) your money invested in the stock and bond markets.

If yes, then you should truly panic!

The money you need now and for next five years should never be invested where it’s at risk, it should be in something that is in a fixed or guaranteed investments or just simple plain old cash.

Also take a lesson from intelligent investor never, never, have all your money invested at any time.

Keep at least 30% of your portfolio out of the market at all times so you have money for emergencies and can also to take advantage of buying opportunities when a crisis like this comes around, because this is guaranteed to always happen.

Believe it or not, Safer Investing is really simple.

If you did your homework and invested right in the first place by doing your research and reading by a book such as, “Simpler, Safer Investing: How NOT to Lose Money, Over 110 Years of Investing History Cannot Be Wrong” by Sherwin Presley Brown, you learn how to invest in profitable monthly and quarterly dividend-paying companies and have them enrolled in a  DRIP (Dividend Reinvestment Plan). 

Learn to see a down market in a good light. You will dance with the Bears and run with the Bulls. 

In addition, one of the key fundamentals of Safer Investing is a down market (a stock market that is correcting and even one that is crashed is a very good thing). Just a reminder: All investment markets have ups and downs—and you need a down market to make really good money. If you plan well by keeping the money that you’ll need within the near future (one month to thirty months—see buckets of money notes in my book mentioned above)  out of the stock market at all times, then you should welcome a down market. You can buy shares a lot cheaper, and your dividends will be reinvested at much lower prices.

 

Bonus Question:
When another country or other parts of the world are having financial trouble, such as Greece, which is the one county that investors run to with their money for safety?
YES, The Good OLD USA

 

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The Next Stock Market Crash Is Less Than Fifteen Minutes Away

Now that unintelligent investors are panicking about the Greece Debt Crisis, which have been staring them in the face for more than a year now, I think it is a good time to repost this blog.

Jesus save greece from the Next Stock Market Crash

 Buy when everyone else is selling and hold until everyone else is buying. That’s not just a catchy slogan. It’s the very essence of successful investing. –J. Paul Getty

How do most people lose money in the market? They panic!

Next Stock Market Crash

Read My Article from 2012The Next Stock Market Crash Is Less Than Fifteen Minutes Away

*A few days after I first wrote this piece, the market actual had a one-day “flash crash” where some stocks went from $60 to only a few pennies; however, all these trades were reversed as they were deemed not good trades.

~The is excerpt  from the Book : “Simpler, Safer Investing: How NOT to Lose Money, Over 110 Years of Investing History Cannot Be WrongSherwin Presley Brown