Investing into Stocks - Hello Suckers!

Posted by MartZee July 16, 2010
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correction Visa JNJ Johnson & Johnson consumer sentiment data U.S. stock

Market back in correction

Trading ended with a huge loss today:

NEW YORK (Reuters) – Downbeat consumer sentiment data and weak revenues from GE and two big banks slammed stocks on Friday, driving major indexes down more than 2.5 percent.

The Dow Jones industrial average (DJI:^DJI) slid 261.41 points, or 2.52 percent, to end unofficially at 10,097.90. The Standard & Poor’s 500 Index (^SPX) dropped 31.60 points, or 2.88 percent, to finish unofficially at 1,064.88. The Nasdaq Composite Index (Nasdaq:^IXIC) fell 70.03 points, or 3.11 percent, to close unofficially at 2,179.05.

The three major U.S. stock indexes erased their weekly gains; each index closed down roughly 1 percent for the week.

(Reporting by Rodrigo Campos; Editing by Jan Paschal)

That it so big one day loss that it changes the market status into “Correction”. No new buys of stocks this time (if buying I will be buying mutual funds in small portions as the price will be dropping). Next week we may see more action as more reports will come up. As for my portfolio here is a calendar of upcoming reports:

Jul 28, 2010 Q3 2010 Visa Inc Earnings Release, consensus estimate: $0.928, Conference Call @ 5:00pm ET

Jul 20, 2010 Q2 2010 Johnson & Johnson Earnings Release, consensus estimate: $1.21

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Posted by MartZee July 16, 2010
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Market under pressure

The market opened lower today and is under pressure slipping back into correction. As I expected, the earnings wasn’t very good so far: bank revenues lag, Google disappoints, and Consumer Sentiment falls from previous 76 to 66 points and that drags the market down. As of this morning the Dow was 10,199.39 -159.92 -1.54% Nasdaq 2,208.07 -41.01 -1.82% and S&P 500 1,077.47 -19.01 -1.73%. If the market closes with these losses today, I will change the status back to correction.

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Posted by MartZee July 13, 2010
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ROTH IRA account Investing strategy Lending Club dividend investing dividend reinvesting loan alternative investment

Lending Club

Some time ago when the entire market was going down I was thinking how else I could boost my savings to create wealth faster than just by saving $100 a month. I was thinking whether to take a second job or not, or how to increase the money I can invest. This is why I came up with my plan to change my ROTH IRA investing strategy (which at that time was actually no strategy at all) into a dividend investing strategy with dividend reinvesting. I wanted to create a snowball so the the reinvested dividends would allow me buying more shares and thus producing more dividends like the snowball falling from the hill and sticking more snow on itself thus growing in diameter.
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Posted by MartZee July 11, 2010
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Market stocks rally stock market economy recovery market in correction market trend recovery oversold market rally

Market in Rally Attempt

When I wrote my post on July 7th about stocks rallying on earnings expectations I warned about this rally as it is not confirmed and it may fail. Even though the market made an impressive move and achieved great gains since then, it is still in an overall downtrend. Last couple of days I was quite busy, so today I could go back to check the chart more in detail and determine whether I can consider this rally attempt to be changed into a confirmed rally, since the market was gaining the whole last week.

If you had a chance to study books about how to recognize the trend of the market, you may already know what the characteristics are. When you take a look at the chart of S&P 500 you won’t see the market in confirmed rally yet:

To confirm the trend we want to see it creating new higher highs and new higher lows. We want to see it trending above 200 MA and above 50 MA. None of it is happening yet. Although the market created nice reversal in oversold zone (see the arrow) on a strong volume and moved more than 3% that day, this new trend still may fail. When you take a look at the weekly chart, the picture is even clearer:

When taking look at the weekly chart, we can see that the market did a reversal in March 2010 which ended the previous impressive recovery rally and then on strong momentum declined and reversed in June 2010. However as we experienced that June’s trend failed. So this new rally attempt still doesn’t tell us anything about the trend. Will it survive or will it fail? If it fails, the momentum is getting stronger and we may expect further drop dragging the stocks down with it, or if it survive, the stronger momentum can move the market higher and we can start recovering from this correction (which still looks quite healthy to me, so no worries about second dip…yet).

Until this happens, it would be very risky buying stocks right now. If the trend confirms itself you may feel sorry that you haven’t jumped in, but buying now may bring losses if this is a false trend. The choice is yours.

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Posted by MartZee July 09, 2010
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Market stocks market review investing Visa ROTH IRA loss equity stock trading buy Visa make money in stocks V momentum stocks ATIPX margin gains mutual funds savings NTF NTF Mutual funds IGD AIGYX HISIX SICNX SWLSX Bonds dividend high dividend yield REIT how to invest investing into individual stocks aggressive stock trading 401k plan contribution 401k contributions IRA contributions dividend stocks AOD Northern Global Fixed Income Alpine Dynamic Dividend trading account investing account Lending Club debt note NOIFX PHYRX PIMCO Aquila Three Peaks High Income I ETF no transaction fund GABUX Gabelli Utilities AAA PIMCO High Yield R JNJ Johnson & Johnson confirmed rally pimco high yield aggressive 401k contributions

Picks 07/05 – 07/09

Trading Account:

New [tag]stock picks[/tag] this week:

Stocks bought or added to portfolio this week:
none

Stocks dropped from portfolio this week:
none

Stocks watched this week:
none

Existing & new [tag]holdings[/tag]:

Symbol	Qty	Last	Gain($)	Gain(%)	Stop	ATR	Risk to stop (%)
[tag]V[/tag]	20	77.38	25.41	1.67	67.28	2.7300	-11.60

Contribution this week: $0

Current [tag]capital exposure[/tag]: -12.51%

New positions available to open: 0

Starting [tag]account value[/tag] = $1,530.77

Account value = $1,614.77 (without margin)

Buying power = $67.17

[tag]Portfolio Gain/Loss[/tag] this week = 5.49%

[tag]Portfolio[/tag] Gain/Loss for JULY 2010 = 5.49%

Portfolio Gain/Loss for 2010 = -44.92%

[tag]Annual Return[/tag] (CAGR): -35.30%

Lending Club:

Debt notes

Available cash:	$16.43
In Funding Notes:	$25.00
Outstanding Principal:	$566.80
Accrued Interest:	$3.55
Account Total:	$611.78	Net Annualized Return:	11.95%
Contributions this week:	$0.00
Weighted Average Rate:	12.37%
Expected Monthly Payments:	$18.79
Payments to Date:	$41.91
Principal Payments:	$33.20
Interest Payments:	$8.71
Late Fees Received:	$0.00

ROTH IRA Account:

New [tag]stock picks[/tag] this week:
Bought 4.651 SWDSX @ 10.75
Bought 37.325 HSTIX @ 7.9

Existing & new [tag]holdings[/tag]:

NTF Mutual Funds

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Port. (%)
AIGYX	83.472	13.02	86.81	8.68	5.34	24
ATIPX	106.395	9.06	23.76	2.53	6.94	22
GABUX	77.118	6.08	-1.92	-0.41	4.10	11
HISIX	26.918	6.61	-22.07	-11.04	4.73	4
HSTIX	37.325	8.03	4.85	1.65	3.36	7
SICNX	69.645	6.79	-27.11	-5.42	4.83	11
SWDSX	62.474	11.26	-0.71	-0.10	3.70	16
SWLSX	29.814	9.41	11.63	4.32	2.16	6

Individual ETFs

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Portfolio (%)
IGD	29.0	10.27	-58.87	-16.50	11.07	100

Individual stocks

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Portfolio (%)
JNJ	23.0	60.54	38.65	2.86	3.65	100

Account target and current allocation

Individual stocks	$1,392.42	42%	23%
NTF Mutual funds	$4,454.17	38%	72%
ETFs	$297.83	20%	5%

Contribution this week: $100.00

Starting [tag]account value[/tag] = $5,942.17

Account value = $6,144.42

Dividends received in JULY 2010 = $8.30

Dividends received in 2010 = $208.68

Portfolio dividends yield 2010 = 3.40%

Portfolio dividends yield lifetime = 4.77%

Dividends received lifetime = $292.80

[tag]Portfolio Gain/Loss[/tag] this week = 3.40%

[tag]Portfolio[/tag] Gain/Loss for JULY 2010 = 3.40%

Portfolio Gain/Loss for 2010 = -7.47%

[tag]Annual Return[/tag] (CAGR): -5.24%

[tag]Portfolio Return[/tag] since inception: -17.25%

Are you interested in Reverse Scale Strategy and see how it works when implemented to even a small account?

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Posted by MartZee July 07, 2010
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stocks earnings NASDAQ gains Dow Jones Industrial Average DJIA financials stocks technology stocks energy stocks S&P 500 SPX COMP market status confirmed rally Rally Attempt

Stocks rallied on earnings expectation

Today, the stock market rallied on earnings expectation, which on the other hand makes me feel like wishful thinking. If the earnings show to be disappointing, the stocks will fall back down. Today’s gains were very impressive as the Dow Jones Industrial Average (DJIA 10,018, +274.66, +2.82%) closed above 10,000 points for the first time since June 28, boosted by financials, technology and energy stocks. The S&P 500 (SPX 1,060, +32.21, +3.13%) rose 3.1% to close at 1,060, and the Nasdaq (COMP 2,159, +65.59, +3.13%) advanced 3.1% to close at 2,159.

These gains would normally change the market status into a confirmed rally, but in such a volatile environment we are recently experiencing I would stay with a Rally Attempt status and wait for confirmation to see whether this rally sustains or it is just another bull’s trap.

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Posted by MartZee July 05, 2010
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Market stocks market review investing Visa ROTH IRA loss equity stock trading buy Visa make money in stocks V momentum stocks ATIPX margin gains mutual funds savings NTF NTF Mutual funds IGD AIGYX HISIX SICNX SWLSX Bonds dividend high dividend yield REIT how to invest investing into individual stocks aggressive stock trading 401k plan contribution 401k contributions IRA contributions dividend stocks AOD Northern Global Fixed Income Alpine Dynamic Dividend trading account investing account Lending Club debt note NOIFX PHYRX PIMCO Aquila Three Peaks High Income I ETF no transaction fund GABUX Gabelli Utilities AAA PIMCO High Yield R JNJ Johnson & Johnson

Picks 06/28 – 07/02

Trading Account:

New [tag]stock picks[/tag] this week:

Stocks bought or added to portfolio this week:
none

Stocks dropped from portfolio this week:
none

Stocks watched this week:

Existing & new [tag]holdings[/tag]:

Symbol	Qty	Last	Gain($)	Gain(%)	Stop	ATR	Risk to stop (%)
[tag]V[/tag]	20	73.18	-58.59	-3.85	67.28	2.7400	-11.60

Contribution this week: $0

Current [tag]capital exposure[/tag]: -7.71%

New positions available to open: 0

Starting [tag]account value[/tag] = $1,600.37

Account value = $1,530.77 (without margin)

Buying power = $67.17

[tag]Portfolio Gain/Loss[/tag] this week = -4.80%

[tag]Portfolio[/tag] Gain/Loss for JUNE 2010 = -4.33%

Portfolio Gain/Loss for 2010 = -47.79%

[tag]Annual Return[/tag] (CAGR): -37.32%

I decided to rise my capital to this account by taking the similar strategy which I am applying to my Roth IRA account. I will be investing small money every month into an index fund. I will reduce trading or investing into stocks as long as I rise capital and invest into individual stocks when I’ll have at least $2,000 available for one trade and rise the total account up to 10,000 dollars.

Lending Club:

Debt notes

Available cash:	$15.68
In Funding Notes:	$100.00
Outstanding Principal:	$492.43
Accrued Interest:	$2.99
Account Total:	$611.10	Net Annualized Return:	12.11%
Contributions this week:	$100.00
Weighted Average Rate:	12.37%
Expected Monthly Payments:	$16.54
Payments to Date:	$41.15
Principal Payments:	$32.57
Interest Payments:	$8.58
Late Fees Received:	$0.00

ROTH IRA Account:

New [tag]stock picks[/tag] this week:
none

Existing & new [tag]holdings[/tag]:

NTF Mutual Funds

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Port. (%)
AIGYX	83.472	12.42	36.73	3.67	5.34	26
ATIPX	106.395	9.00	17.38	1.85	6.94	24
GABUX	77.118	5.83	-21.20	-4.50	4.10	11
HISIX	26.918	6.32	-29.88	-14.94	4.73	4
SICNX	69.645	6.45	-50.79	-10.16	4.83	11
SWDSX	57.823	10.70	-35.46	-5.42	3.70	16
SWLSX	29.814	8.95	-2.09	-0.78	2.16	7

Individual ETFs

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Portfolio (%)
IGD	29.0	9.99	-66.99	-18.78	11.07	100

Individual stocks

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Portfolio (%)
JNJ	23.0	59.08	5.07	0.37	3.65	100

Account target and current allocation

Individual stocks	$1,358.84	42%	23%
NTF Mutual funds	$3,948.75	38%	68%
ETFs	$289.71	20%	5%

Contribution this week: $150.00

Starting [tag]account value[/tag] = $5,984.24

Account value = $5,842.17

Dividends received in JUNE 2010 = $55.36

Dividends received in 2010 = $208.68

Portfolio dividends yield 2010 = 3.57%

Portfolio dividends yield lifetime = 5.01%

Dividends received lifetime = $292.80

[tag]Portfolio Gain/Loss[/tag] this week = -2.37%

[tag]Portfolio[/tag] Gain/Loss for JUNE 2010 = -4.84%

Portfolio Gain/Loss for 2010 = -10.68%

[tag]Annual Return[/tag] (CAGR): -6.25%

[tag]Portfolio Return[/tag] since inception: -20.24%

Are you interested in Reverse Scale Strategy and see how it works when implemented to even a small account?

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Posted by MartZee June 29, 2010
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stocks correction market in correction US consumer

Market slips into a correction after US consumer confidence data

Stocks dropped more than 2 percent on Tuesday after data showed U.S. consumer confidence fell steeply in June on worries about the labor market. Based on that I am considering the market being in correction. No new buys during this time in my trading account (well, right now I do not have free money anyway).

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Posted by MartZee June 26, 2010
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Market stocks market review investing Visa ROTH IRA loss equity stock trading buy Visa make money in stocks V momentum stocks ATIPX margin gains mutual funds savings NTF NTF Mutual funds IGD AIGYX HISIX SICNX SWLSX Bonds dividend high dividend yield REIT how to invest investing into individual stocks aggressive stock trading 401k plan contribution 401k contributions IRA contributions dividend stocks AOD Northern Global Fixed Income Alpine Dynamic Dividend trading account investing account Lending Club debt note NOIFX PHYRX PIMCO Aquila Three Peaks High Income I ETF no transaction fund GABUX Gabelli Utilities AAA PIMCO High Yield R JNJ Johnson & Johnson

Picks 06/21 – 06/25

Trading Account:

New [tag]stock picks[/tag] this week:

Stocks bought or added to portfolio this week:
none

Stocks dropped from portfolio this week:
none

Stocks watched this week:

Existing & new [tag]holdings[/tag]:

Symbol	Qty	Last	Gain($)	Gain(%)	Stop	ATR	Risk to stop (%)
[tag]V[/tag]	20	76.66	11.01	0.72	67.28	2.8900	-11.60

Contribution this week: $0

Current [tag]capital exposure[/tag]: -11.72%

New positions available to open: 0

Starting [tag]account value[/tag] = $1,607.95

Account value = $1,600.37 (without margin)

Buying power = $67.17

[tag]Portfolio Gain/Loss[/tag] this week = -0.47%

[tag]Portfolio[/tag] Gain/Loss for JUNE 2010 = 0.02%

Portfolio Gain/Loss for 2010 = -45.42%

[tag]Annual Return[/tag] (CAGR): -36.13%

Lending Club:

Debt notes

Available cash:	$0.87
In Funding Notes:	$25.00
Outstanding Principal:	$481.37
Accrued Interest:	$2.07
Account Total:	$509.31	Net Annualized Return:	11.98%
Contributions this week:	$0.00
Weighted Average Rate:	12.13%
Expected Monthly Payments:	$15.70
Payments to Date:	$26.32
Principal Payments:	$18.63
Interest Payments:	$7.69
Late Fees Received:	$0.00

ROTH IRA Account:

New [tag]stock picks[/tag] this week:
06/23/2010 Sold 219 AOD @ 6.2101
06/23/2010 Bought 23 JNJ @ 58.8594

Existing & new [tag]holdings[/tag]:

NTF Mutual Funds

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Port. (%)
AIGYX	83.472	13.57	132.72	13.27	5.34	27
ATIPX	106.395	9.01	18.44	1.96	6.94	23
GABUX	77.118	6.05	-4.24	-0.90	4.10	11
HISIX	26.918	6.57	-23.15	-11.57	4.73	4
SICNX	62.259	6.66	-36.16	-7.23	4.83	11
SWDSX	57.823	11.31	-0.19	-0.03	3.70	16
SWLSX	29.814	9.41	11.63	4.32	2.16	7

Individual ETFs

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Portfolio (%)
IGD	29.0	10.73	-45.53	-12.76	11.07	100

Individual stocks

Symbol	Qty	Last	Gain($)	Gain(%)	Div. Y(%)	Portfolio (%)
JNJ	23.0	58.70	-3.65	-0.27	3.65	100

Account target and current allocation

Individual stocks	$1,350.10	42%	23%
NTF Mutual funds	$4,133.11	38%	71%
ETFs	$311.17	20%	5%

Contribution this week: $0

Starting [tag]account value[/tag] = $6,212.76

Account value = $5,834.24

Dividends received in JUNE 2010 = $8.66

Dividends received in 2010 = $153.68

Portfolio dividends yield 2010 = 2.63%

Portfolio dividends yield lifetime = 4.08%

Dividends received lifetime = $237.80

[tag]Portfolio Gain/Loss[/tag] this week = -6.09%

[tag]Portfolio[/tag] Gain/Loss for JUNE 2010 = -2.59%

Portfolio Gain/Loss for 2010 = -8.71%

[tag]Annual Return[/tag] (CAGR): -5.76%

[tag]Portfolio Return[/tag] since inception: -18.69%

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Posted by MartZee June 23, 2010
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AOD dividend investing JNJ NAV declining Dan Plettner

AOD dropped from portfolio, JNJ added.

Yesterday Alpine Total Dynamic Dividend Fund (AOD) dropped significantly down in price and today it continued down as well at the same speed as yesterday. On discussion boards I could find busy discussion why that happened. Mostly the concern was about a recent article by Dan Plettner at Seeking Alpha who wrote in his “Alpine’s Total Dynamic Dividend Fund: Overdosing on Financial Engineering” article why he thinks the methods of AOD’s trading and distributions are not sustainable.

Many members of the board were angry with him, because he is short the stock, he published the article at ex-dividend day and he possible triggered the sell off.

No matter what, he pin-points couple serious questions some investors refuse to discus or even consider. I must admit, that when I was buying AOD I was looking at the yield and totally ignored other aspects he brought up. So even though I lost money on this investment, he actually made me a favor by clarifying several things I have to take a look at in the future.

First my concern is about a constant NAV depletion. The fund opened in January 2007 at $19.07 NAV trading at $20 a share. Since then the NAV has been depleted to $6.78 (as of the end of March 2010) so the price had to drop as well. Any price above this NAV (premium) has no solid base and is risky to trade. As a long term investor in this case I do not like holding a fund which will potentially loose its capital and with this speed of three years (losing 65% of its NAV) it may happen pretty quickly.

I saw arguments that underlying portfolio will improve the NAV of the fund, but that doesn’t too sound to me.

With a danger of cutting the dividend and further drop in price I decided to liquidate my position in AOD and relocate my money into Johnson & Johnson (JNJ).

06/23/2010 Sold 219 AOD @ 6.2101

06/23/2010 Bought 23 JNJ @ 58.8594

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Market back in correction

Market under pressure

Lending Club

Market in Rally Attempt

Picks 07/05 – 07/09

Trading Account:

Lending Club:

ROTH IRA Account:

Are you interested in Reverse Scale Strategy and see how it works when implemented to even a small account?

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Stocks rallied on earnings expectation

Picks 06/28 – 07/02

Trading Account:

Lending Club:

ROTH IRA Account:

Are you interested in Reverse Scale Strategy and see how it works when implemented to even a small account?

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Market slips into a correction after US consumer confidence data

Picks 06/21 – 06/25

Trading Account:

Lending Club:

ROTH IRA Account:

Are you interested in Reverse Scale Strategy and see how it works when implemented to even a small account?

Stay updated with Hello Suckers

AOD dropped from portfolio, JNJ added.

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Are you interested in Reverse Scale Strategy and see how it works when implemented to even a small account?

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Are you interested in Reverse Scale Strategy and see how it works when implemented to even a small account?

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Are you interested in Reverse Scale Strategy and see how it works when implemented to even a small account?

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