Finance & Investing
It's silly to have as one's sole object in life just making money, accumulating wealth. I work because I enjoy what I'm doing, and the fact that I make money at it -- big money -- is a fine-and-dandy side fact. Money gives me just one big thing that's really important, and that's the freedom of not having to worry about money. I'm concerned about values -- moral, ethical, human values -- my own, other people's, the country's, the world's values. Having money now gives me the freedom to worry about the things that really matter. ∼ Johnny Carson
"Sell in May and go away" ∼ a stock market mantra.
Since 1950, the bulk of stock market gains have happened in
the six months from November to April.
Stock Market Notes:
Secular bear market: 1906-1921. 16 years.
Secular bull market: 1922-1928. 7 years.
Secular bear market: 1929-1949. 20 years. (lowest point occurred in 1932).
Secular bull market: 1950-1966. 16+ Years.
Secular bear market: 1966-1982. 16+ years.
Secular bull market: 1982-2000. 17+ years.
Secular bear market: 2000-20??. (8...15...20 years? 2009...2015...2020?)
Secular bear and bull markets in the 1800's:
1802-1815 bear (13 yrs), 1815-1835 bull (20 yrs),
1835-1843 bear (8 yrs), 1843-1853 bull (10 yrs),
1853-1861 bear (8 yrs), 1861-1881 bull (20 yrs)
1881-1896 bear (15 yrs), 1896-1906 bull (10 yrs)
Secular -- Long term trend
Cyclical -- Short term trend
Cyclical markets occur within secular markets.
Additional:
Market Trends (Wikipedia)
Stock Market Cycles The Key to Your Investing Success
Cyclical bull and bear markets typically last from 3 to 34 months.
Interesting article on Secular Bull and Bear markets.
Another interesting, related article
And one more.
And www.amateur-investors.com/....
Frequently Updated:
Google Finance
Yahoo: Finance
MSN Money
CNNfn.com
Quicken.com - Investing
Bloomberg.com
CNBC.com
ft.com (Fianacial Times)
Wall Street Journal
Barrons.com
BBC
Investors.com
Telegraph.co.uk
FinancialWeek.com
SeekingAlpha.com
Portfolio.com
TheBigMoney.com
Briefing.com
marketwatch.com
Economy:
econompicdata
National Association of Home Builders
RealtyTrac.com
gaspricewatch.com
Blogs, etc:
The Big Picture
The Big Picture Cafe
Nouriel Roubini's Global EconoMonitor
GloomBoomDoom.com (Marc Faber)
Stock Brokers, etc:
tdameritrade.com
tradeking.com
scottrade.com
ishares.com
investorguide.com/brokerlist.html
investingcomplaints.com/rankings.html
Charts:
decisionpoint.com or
ChartOfTheDay.com
bigcharts.com or
barchart.com
stockcharts.com
tradingcharts.com
marketwatch.com
bigcharts.marketwatch.com/...symb=spx (has S&P 500 P/E.)
lowryresearch.com
stockmarketcycles.com
cyclesman.com
gold-eagle.com/editorials_03/wood021003.html
Research:
reuters.com
money.cnn.com/.../morning_call/
zacks.com
decisionpoint.com
researchstock.com
S&P 500 P/E Ratios Over 75 Years
S&P 500 Info
Dictionaries:
Investorwords.com ***
Washington Post Business glossary
Moneywords.com
Mutual Fund Information and Research:
MorningStar.com ***
Mutual Fund Education Alliance ***
LipperWeb.com
Brill's Mutual Funds Interactive
fundadvice.com
fundadvice.com...timing...
fundadvice.com...02bear.html
John Bogle
Mutual Fund Companies:
Fidelity
Vanguard
Janus
Payden & Rygel
Bonds:
InvestingInBonds.com
BondsOnline.com
FMSBonds.com
SavingsBonds.com
bonds.yahoo.com
BondTalk.com
BondBuyer.com
SavingBonds.gov
TreasuryDirect.gov (also: publicdebt.treas.gov)
Banksite.com.../usgov_ibond.html
invest-faq.com/.../bonds-treas-direct.html
Options:
OptionsEducation.org
TheOptionsGuide.com
investopedia.com -- Oprions Basics
marketwatch.com/tools/options/
optionetics.com/education
optioninvestor.com
xyz
xyz
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xyz
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xyz
xyz
Misc:
MarketHistory.com ***
BobBrinker.com ***
SuzeOrman.com ***
jeanchatzky.com ***
SmartMoney.com ***
Finweb.com ***
BankRate.com ***
TerrySavage.com
Hussman.net/researchInsight.html
InvestorHome.com
savingforcollege.com
downloadquotes.com
dowtheoryletters.com $$$
Sites With Lists of Financial Links:
investorlinks.com
investorguide.com
Reference Books, etc:
stocktradersalmanac.com ***
Targeted Audience:
Women's Financial Network ***
Women's Financial Network ***
Banking:
bankrate.com
money-rates.com
Redwood Credit union
Credit:
ftc.gov -- consumer credit
smartmoney.com/debt/
Credit Reports:
annualcreditreport.com (Free credit report, from the three big reporting agencies)
myfico.com
Equifax (formerly CBI/Equifax)
Experian (formerly TRW Information Systems
consumerinfo.com (an Experian web site)
TransUnion
truecredit.com (a TransUnion web site)
Credit Education and Credit Information:
truecredit.com Learning Center
myvesta.org
suzeorman.com -- managing debt
consumer-action.org
Credit Counseling:
National Foundation for Credit Counseling
debtadvice.org
Credit Repair:
ftc.gov/bcp/conline/pubs/credit/repair.htm
ftc.gov/bcp/conline/edcams/credit/index.html
creditinsiders.com
permissiblepurpose.com
Credit Scoring:
creditscoring.com
According to a Nolo.com article titled "Credit Scoring,"
the following are factors that affect a credit score and their approximate weight.
- Payment history (35%).
Factors causing a negative impact: late payments, an account written off and/or sent to collection,
or declaring bankruptcy. The more recent the problem, the more it affects the score.
(A current 30-day late payment has a more negative effect than a bankruptcy five years ago.)
- Outstanding debt (30%).
The closer the amount owed is to your credit limit,
the more negative the effect on your score.
A low balance on two cards is better than a high balance on one.
- Length of your credit history (15%).
The longer accounts have been open, the better.
- Recent inquiries on your report (10%).
Recent inquiries may negatively affect a credit score.
Promotional inquiries don't affect a credit score.
- Types of credit in use (10%).
Loans from finance companies generally lower a credit score.
FICO says this is most important when there isn't a lot of other
information upon which to base a score.
35% of 850 = 297.5
30% of 850 = 255.0
15% of 850 = 127.5
10% of 850 = 85.0
10% of 850 = 85.0
Total: 850
Home Loans / Mortgage:
bankrate.com
Mortgage Professor
realestate.yahoo.com/re/financing/
Benchmark Lending
lendingtree.com
GinnieMae.gov
FannieMae.com
FreddieMac.com
Mortgage Calculator
Taxes:
fairmark.com Income Tax 101
taxadmin.org
taxfoundation.org
Canadian Business Number Information (Canada Tax ID)
