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A Preemptive, and Timeless, Portfolio Protection Strategy
Both Market Cycle Investment Management and The Working Capital Model were nearly ten years old when the robust 1987 rally became the dreaded Black Monday, (computer loop?) correction on October 19th. Sudden and sharp, that 50% or so correction proved the applicability of a methodology that had fared well in earlier minor downturns.
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SIBORAP: The Securities Investors' Bill Of Rights - Part Four
We the securities investors of the United States, in order to form more transparent financial markets, establish effective regulations, defend against destructive speculation and manipulation, promote financial well-being, preserve working capital, and protect retirement income...
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The Securities Investors' Bill Of Rights (SIBORAP): Part Three
We the securities investors of the United States, in order to form more transparent financial markets, establish effective regulations, defend against destructive speculation and manipulation, promote financial well-being, preserve working capital, and protect retirement income...
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The Securities Investors' Bill Of Rights (SIBORAP): Part Two
We the securities investors of the United States, in order to form more transparent financial markets, establish effective regulations, defend against destructive speculation and manipulation, promote financial well-being, preserve working capital, and protect retirement income...
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SIBORAP: The Securities Investors' Bill Of Rights - Part One
We the securities investors of the United States, in order to form more transparent financial markets, establish effective regulations, defend against destructive speculation and manipulation, promote financial well-being, preserve working capital, and protect retirement income...
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| 6. |
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What Your Mother Never Told You About Income Investing: Twenty Questions
Investors are a very dependent group of people, particularly now that most employed persons have been given the responsibility of directing their own savings and investment programs for retirement. Mother Wall Street has monopolized this huge market, and nursed its children first on Mutual Funds and now on derivative betting mechanisms they call index ETFs ---the unhealthy investment equivalent of a diet of fast food, limited protein, and high energy fusion products.
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What Your Mother Never Told You About Income Investing: Twenty Questions (Part Three)
But, and this is about the biggest news in the history of the financial markets, news that was totally ignored by the financial media: the income generated by taxable income CEFs (other than REITs and mortgage heavy investment funds) actually increased during the financial crisis. The same result was experienced in the Tax Free arena, but with no exceptions at all.
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| 8. |
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What Your Mother Never Told You About Income Investing: Twenty Questions (Part Two)
Investors should certainly know the basics about what they are doing. Corporations raise capital for their operations by issuing common stock, or shares of ownership in the company. They also raise money by borrowing from banks, insurance companies, and the public through the use of debt instruments called bonds, debentures, notes, and others.
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| 9. |
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The Working Capital Model - Market Cycle Investment Management - FREE Mentoring Program
Professional Investor/Manager Steve Selengut, and an experienced panel of experts, walk you through the Market Cycle Investment Management (MCIM) portfolio management process. We'll hold your hand, answer your questions, and do everything we can short of security selection as you learn how to run your portfolio.
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| 10. |
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The Investment Grade Value Stock Index - Continued
The IGVSI was developed in December of 2007 to provide a benchmark for the Equity portion of MCIM portfolios managed using Working Capital Model (WCM) disciplines. For more than ten years, Investment Grade Value Stock investors had been frustrated by the inadequacies of the DJIA and the NYSE indices. During that period. NYSE Issue Breadth and New High vs. New Low Statistics moved in different directions than the averages, nearly all of the time.
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| 11. |
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Investment Grade Value Stock Buy List Program - Endorsements ~ Endorsements ~ Endorsements
After spending $15k on systems, and blowing $60k trading them, I stumbled upon The Brainwashing of the American Investor. I started trading [the strategy] in November '05. In the first year I've had 50 winners and zero realized losers! This can change your life! It certainly changed my trading career.
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| 12. |
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Working Capital Model ~ Market Cycle Investment Management Performance
In the longer term scheme of things, a well defined, well organized, and quality based investment model will just naturally out-perform those that are not similarly constructed --- it's getting to that level of management expertise that is the issue.
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Working Capital Model ~ Market Cycle Investment Management Performance
A well defined, well organized, and quality based investment model will just naturally out-perform those that are not similarly constructed --- it's getting to that level of management expertise that is the issue.
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| 14. |
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The Working Capital Model - Part 3
I know of no other Investment Manager anywhere (other than those who have contacted me and obtained my consent), private or public, that uses the Working Capital Model to direct individual investor portfolios... certainly none of the major operators, who are dependent for their survival upon the whim of large others.
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The Working Capital Model - Part 1
Asset Allocation is an Investment Planning Tool, not an Investment Strategy --- few investment professionals understand the distinction. Fewer still have discovered the power of: The Working Capital Model!
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The Working Capital Model - Part 2
Cost Basis is the total amount paid for a security, any security, in the portfolio. The cost basis of a dollar of cash is $1. Cost Basis includes commissions and exchange fees, and will be reduced on occasion when returns of capital are distributed. Cost Basis is the very foundation of The Working Capital Model.
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Wall Street Wisdom Vs. Market Cycle Investment Management
Corrections are as much a part of the normal Market Cycle as rallies, and they can be brought about by either bad news or good news. Investors always over-analyze when prices become weak and over-indulge when prices are high, thus perpetuating the buy high, sell low Wall Street lunacy.
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| 18. |
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The Total Return Shell Game
Just what is this total return thing that income investment managers like to talk about, and that Wall Street uses as the performance hoop that all investment Managers have to jump through? Why is it mostly just smoke and mirrors? Here's the formula:
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Income Investing: Selecting the Right Stuff - Part Two
The larger the portfolio, the more likely it is that you will be able to buy round lots of a diversified group of bonds, preferred stocks, etc. But regardless of size, individual securities of all kinds have liquidity problems, higher risk levels than are necessary, and lower yields spaced out over inconvenient time periods.
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Income Investing: Selecting the Right Stuff - Part One
When is 3 percent better than 6 percent? Yeah, we all know the answer, but only until the prices of the securities we already own begin to fall. Then, logic and mathematical acumen disappear and we become susceptible to all kinds of special cures for the periodic onset of higher interest rates. We’ll be told to sit in cash until rates stop rising, or to sell the securities we own now, before they lose even more of their precious market value.
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| 21. |
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Raise Your Progress with Secured Loans
Secured Loans are differing from unsecured Loans in some extent. In unsecured Loans when you borrow money, you don’t need to show your property. And Secured Loans make your life and tension free. It describes a balanced analysis of both the worst case and good case aspects and other critical business finance terms is essential for comprehensive working capital financing.
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| 22. |
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Get a Loans Boat in Empty Lake
Secured Loans are differing from unsecured Loans in some extent. In unsecured Loans when you borrow money, you don’t need to show your property. And Secured Loans make your life and tension free. It describes a balanced analysis of both the worst case and good case aspects and other critical business finance terms is essential for comprehensive working capital financing.
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How To Get Working Capital For Your Company
Do you need working capital for your business? Read this article to learn about this great option.
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Factoring Basics
Do you need working capital? Learn how factoring may provide you with all the working capital your company needs.
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The Benefits Of Cash Flow And Working Capital Management
Trade finance is an important part of the business. It offers various aspects of managing finances for the company. Trade finance helps to generate, manage and establish various finance practices like working capital, factoring solutions, banking solutions, loans, guarantees, discounting, etc.Various trade finance companies help to provide credit finance, export finance, credit protection, invoice collection services, etc. Trade finance companies help to reduce marketing ...
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| 26. |
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Rest of small business funding know-how
For a small business owner, it is never easy to secure a business loan, either for working capital or for starting a new business, as most lenders consider them risky investment.It worsens when such borrowers—small business owners—go for funding unprepared. My endeavor through this series of articles is to make small business owners aware of some crucial aspects of funding process.
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| 27. |
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Many Small Businesses Get Cash Advances
A growing number of small businesses that have previously faced obstacles getting working capital now have a practical solution they can bank on.
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How Is Your Cash Flow And Factoring
How did your company do this month with the cash flow? Why not let the question go; how has your cash flow been this year?Did you sweat it out worrying you might not make payroll, get that vendor off your back, pay that tax bill that was due and it was a lot more than you expected?For those of you that have a line of credit, did you get close to maxing out your line and have concerns that your line of credit is no longer an adequate facility.For those of you that ...
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Factoring Can Be An Ideal Solution For Start-Up And/Or Growing Businesses
Factoring is one of the oldest methods of business financing in existence. The history of factoring dates back to the days of moneylenders in the middle ages. Factoring has been the working capital facility of choice in Europe for centuries. It has taken on a new life in recent years as a financing method for many businesses in the United States. Factoring is the sale of accounts receivable, as opposed to borrowing against them as you would do with a bank line of credit. ...
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| 30. |
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Can Factoring Make You Money?
Simply put, factoring helps businesses meet their cash flow needs by providing immediate cash by using accounts receivable.Many people view factoring as a short-term stopgap to plug the working capital hole that inevitably presents itself in almost every growing business. Although factoring can many times help a business refresh its working capital in the midst of a ‘cash crunch’, it can actually be a highly profitable long-term strategy. With adequate cash flow, a busine...
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Achieving Cash Flow Management Through Accounts Receivable Factoring
Accounts receivable factoring is another mode of receivables management and working capital funding to eventually increase the cash flow. Accounts receivable factoring involves buying and selling of accounts receivables in order to obtain immediate cash or working capital. Accounts receivable factoring helps in acquiring cash for the product or the services rendered. It results in immediate cash inflow without creating any debt or transferring the business ownership. Acco...
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Accounts Receivable Financing, Tax Write Off And What Does It Cost?
Banks won't lend money to a business seeking to acquire larger contracts because its not viewed as an asset. So if you are a small start up company, funding for expansion may be hard to obtain. Accounts Receivable Financing could be the key to funding for a start up with desires to bid on large Government (or Corporate) contracts.So what is Accounts Receivable Financing? It is the selling of your accounts receivable invoices for cash versus waiting 30-60 or 90 days to be ...
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Man Business Owners Tend to Underestimate The Importance of Working Capital!
Many business owners tend to underestimate the importance of working capital financing. Many tend to see this as simply an “emergency fund”, an insurance plan that will probably have little use. But the applications for working capital go far beyond simple unexpected emergencies.
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Working Capital & Cash Flow Solutions: Should I Borrow From A Bank?
Recently, my newspaper reported that a local bank “...earned a four star excellence rating for the sixty-fourth consecutive quarter.” That’s sixteen years of four star excellence! The article went on to say that the “rating is based on a complex formula that includes …capital safety levels, quality of loan portfolio, and the ability to meet obligations…” The press release was designed to showcase the value of this bank and demonstrate its prominent positio...
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What Goes Behind Your Credit Score?
Since lenders or banks lend only against your creditworthiness, it does makes sense for you to know what factors determine your credit score. Read on to find out what affects your credit score (which is based on your credit report information) and how you can get working capital on loan even with a bad credit record.
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| 36. |
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Investment IQ Test
The Investment IQ Test is designed to gauge your understanding of the concepts and strategies needed to productively manage your portfolio in today's much too complex market environment. Naturally, it is based on Market Cycle Investment Management Methodology and the Working Capital Model operating system.
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The Working Capital Line Dance
This is a graphical example of The Working Capital Line Dance.
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| 38. |
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Managed Asset Allocation - The Working Capital Model
The key to successful Investment Management is Asset Allocation, the process of dividing the available investment dollars into two, and only two, buckets: Equity and Income Investments. All investment grade securities fit within one of these two classifications, based solely upon the primary purpose for their ownership. There are several key issues involved in successful Asset Allocation---
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Sanco Services' Investment Management Fee Schedule
Sanco Services' Fee Schedule (below) includes Investment Management Fees Only. Clients may have some options with respect to how commissions are handled--- either by transaction or (if eligible) through a flat annual fee. Fees are deducted directly from the investment account.
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Managed Asset Allocation - The Working Capital Model THREE
As portfolio Working Capital grows, so does the income that it generates. As a result, there will always be some uninvested cash looking for a home. This is a good thing and should not be tinkered with by applying artificial or automatic reinvestment mechanisms. Every dollar deserves to be allocated separately to the appropriate bucket, and there are times when investment opportunities in the Equity market are few and far between.
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| 41. |
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Golf and Investing: Working The Ball
The Working Capital Model is a boring, conservative methodology for lowering the slope rating of the most diabolical wealth accumulation courses. Market hazards are avoided with reasonable expectations, and retirement approach shots that grow the annual income chip by chip, throughout the wealth accumulation period.
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| 42. |
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Managed Asset Allocation - The Working Capital Model TWO
The Asset Allocation formula is often abused in an effort to superimpose a valid investment planning tool on speculation strategies that have no real merits of their own. For example, annual portfolio repositioning, market timing adjustments, and shifting between Mutual Funds. To be effective, Asset Allocation must be implemented as an on-going process that is to be tended to with every investment decision.
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| 43. |
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Investment Performance Analysis Using the Working Capital Asset Allocation Model - Part 2
This method of looking at things will get you where you want to be without the hype that Wall Street uses to create unproductive transactions, foolish speculations, and incurable dissatisfaction. It provides a valid use for portfolio Market Value, but far from the judgmental nature Wall Street would like. It's use in this model, as both an expectation clarifier and an action indicator for the portfolio manager on a personal level, should illuminate your light bulb.
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| 44. |
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Investment Performance Analysis Using the Working Capital Asset Allocation Model - Part 1
It matters not what lines, numbers, indices, or gurus you worship, you just can't know where the stock market is going or when it will change direction. Too much investor time and analytical effort is wasted trying to predict course corrections… even more is squandered comparing portfolio Market Values with a handful of unrelated indices and averages.
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| 45. |
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Dealing With Market Corrections: Ten Do’s and Don'ts
A correction is a beautiful thing, simply the flip side of a rally, big or small. As long your cash flow continues unabated, the change in market value is merely a perceptual issue.
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| 46. |
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Investment Performance and The Working Capital Model (March, 2008)
The Working Capital Model (WCM) approach to portfolio performance evaluation eliminates the tears and fears because it is based on more than the current market value illusion of wealth--- a number that won't sit still long enough to ever be meaningful. Market value, within the WCM, is used only to determine what to buy and/or when to take profits.
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| 47. |
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Retirement Income Investing and Your Portfolio (October 2008)
Brokerage firm monthly statements are designed to promote either fear or greed, depending on the current market environment. Nowhere on your statement can you find numbers that report your net investment, your total working capital, or your true asset allocation. Current and projected income numbers are given little attention.
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WCM Investing - The Process (December 2008)
Most people enter the investment process tip first. They hear something, grab an idea from a popular blog, accept a Cramerism or some motley foolishness, and think that they are making investment decisions. Rarely, will the right-now, instant-gratification, Internet-generation speculator think in terms that go beyond tomorrow's breaking news.
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| 49. |
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WCM-Investing Rules Of Engagement-The QDI (December 2008)
Crash! The 2007 thru 2008 financial crisis halved 401(k), IRA, and Mutual Fund values in a matter of months. For many, retirement dates had to be pushed back; for others, new jobs had to be found. The tragic flaw? No income allocation in the investment program. Market value builds egos; income pays the bills.
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| 50. |
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The Investment Gods Are Angry (January 2009)
Today's obsession with short-term blinks of the investment eye is Wall Street's attempt to take the market cycle out of the performance picture. Similarly, total return hocus-pocus places artificial significance on bond market values while it obscures the importance of the income produced. WCM users will have none of it; the investment gods are angry.
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| 51. |
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Crisis Investing - Three-Pronged WCM Strategy (January 2009)
Unfortunately, investors in general are a lot like teenagers. They know everything immediately; expect instant gratification; take unnecessary risks; fall in love too easily; ignore all voices of experience; prefer the easy approach; and feel that the lessons of the past just can't possibly apply to what's going on now. Duh, dude!
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Who Created The Financial Crisis And Why (March 2009)
The arrogance of the financial institutions, the mad scientists they employ to manipulate the rules and rule makers, and the Emperor's New Clothes (trust me they're safe) marketing tactics they employ really do need to be regulated--- by the government, sure; by corporate boards of directors, absolutely. In a Working Capital Model world, there would be no financial crisis.
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| 53. |
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Investment Performance Evaluation Re-Evaluated: Part Two (April 2009)
The Working Capital Model (WCM) looks at investment performance differently, less emotionally, and without a whole lot of concern for short-term market value movements. Market value performance evaluation techniques are only used to analyze peak-to-peak market cycle movements over significant time periods. In the WCM, market value is used as an expectation clarifier and an action indicator for the portfolio manager.
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| 54. |
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Investment Performance Evaluation Re-Evaluated: Part One (April 2009)
The Working Capital Model (WCM) looks at investment performance differently, less emotionally, and without a whole lot of concern for short-term market value movements. Market value performance evaluation techniques are only used to analyze peak-to-peak market cycle movements over significant time periods. In the WCM, market value is used as an expectation clarifier and an action indicator for the portfolio manager.
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| 55. |
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How's Your Investment Portfolio Doing? --- Seven Long-Term Indicators (July 2009)
Before Wall Street conned investors into thinking of calendar quarters as "short-term" and single years as "long-term", market cycles were used to test investment strategies. Performance analysis was a test of management style and overall methodology, not a calendar year horse race with one of the popular averages. Bor-ing, yes--- but meaningful.
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| 56. |
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Website Or No Website…
Do you prefer to make money through the Internet simply you do not have sufficient experience or working capital to begin your own online business? You don't need cause to concern, as a lot of internet marketing alternatives exist for you to start out with. Among one these choices, and shall I say the most beneficial,
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