Hussein Ali Hamdani
Represented the visit of Prime Minister Nuri al-Maliki of the State of Kuwait, a point articulated in the consolidation of bilateral relations between the two countries and build bridges of confidence, and trust are highly sought in building international relations in general and relations with neighboring countries in particular, and certainly the experience of Saddam’s invasion of neighboring Kuwait phase must overcome special After the demise of this system and the establishment of a democratic system in Iraq based on what is produced by the votes of the people of Iraq, an experience a welcome and support from Kuwait through stages multiple since 2005 to the present day, especially if Kuwait from the Arab countries first opened its embassy and dealt with the new Iraq , is added to all that Iraq now is very different from the past, and that the Iraqi constitution is one of the sets Iraq’s relations with others on the other hand, the imports of Iraq now is to serve the Iraqi people and not, as was previously harnessed all the whims and wars reckless not avoid them region and the Iraqi people exactly nothing but destruction, devastation and problems, and this conviction must be firmed up in all countries of the region, particularly neighboring Kuwait in order to come full of the seventh item so as to ensure Iraq’s position vital in the region and the role required in the manufacture of security and stability is required.
That is why the state visit of Iraqi Prime Minister Nuri al-Maliki of Kuwait is one of the most successful visits to the contents of explicitly putting up outstanding issues between the neighbors, particularly the border demarcation and the issue of compensation by the invasion, Saddam buried, and reservoir success comes from a desire on both sides to move beyond the era of the past, so the There is a large common ground between Iraq and Kuwait would be new points of convergence be a positive factor in overcoming the past and move to a new stage of relations between the two countries.
And certainly the there parties do not relish the normalization of relations positively between the neighbors and this is why some of the confusion on the visit and try to fabricate a crisis or the imposition of the views or mixing papers lead to muddy relations second to keep the situation as it is, and this is what makes the Prime Minister confirmed more than once in Kuwait during the reference that “there are those who do not want for the region as a whole to stabilize the bilateral relations and this is why we as children of the region and partners in the neighboring countries that the utmost care not to allow one wants to put a problem here and the problem there is between countries in the region and its peoples, so I want to play our countries to the basis of common interests and joint investment and not interfere with each other except on some gentle persuasion and support and support and welcome. “
This means that there are those who try to keep a lot of files stuck between the two countries, so the successful visit of Prime Minister Nuri al-Maliki and the ensuing advantages of large will develop strong foundation for advanced relations between the two neighboring countries and will end the historical period and start with a new stage in all their political, cultural, economic, especially if Kuwaiti companies have shown more willingness to invest in Iraq.
So we can say that the road is paved because the settlement is all the remaining files between the two countries after it was placed in the right path which will lead to a final closing in the near future.

http://www.alsabaah.com/ArticleShow.aspx?ID=23826

http://www.natureshealingmatrix.com/

Iraq and Kuwait .. Confidence-building.

Author: the future of Iraq

15.03.2012 0:00

BAGHDAD / future Iraqi
Prime Minister Nuri al-Maliki, yesterday, the agreement with the Alkozyt to settle the issue of land border demarcation between the two countries in addition to the issue of Iraqi Airways, as he emphasized his Kuwaiti counterpart that his country is determined to overcome the obstacles to resolving the outstanding issues with Iraq. Maliki, who began Wednesday visit, which ends on Thursday, said he “has been agreed with Kuwait to” settle the issue of land border between the two countries and the issue of Iraqi Airways. “Maliki said in a press statement after meeting with National Assembly Speaker Ahmed Sadoun he had a” good faith and a strong will and hard to find final solution to all problems, issues and obstacles left behind by the former regime in its invasion of Kuwait, “asserting that the things that got the former” would not constitute an impediment to research between siblings for the best of circumstances and relationships that serve the process of stability and common interests. “Maliki stressed that” Iraq adopts in its external policies approach to solve all its problems according to the contexts and diplomatic relations and common interests away from interference in the affairs of others “, he promised that” the sincerity and strong will if there Fsnntha to solutions that are not in favor of one party, but for the benefit of both countries. “For his part, Prime Minister of Kuwait Sheikh Jaber Mubarak Al-Hamad morning, “We have instructions from the leadership in Kuwait to lift all obstacles to resolving the outstanding issues with Iraq.” and met with Prime Minister Nuri al-Maliki during his visit to Kuwait, Emir Sabah Al-Ahmad, as well as on his meeting with Prime Minister Sheikh Jaber Al-Mubarak, the parties stressed the importance of closer ties and move forward in an end to all outstanding issues, and deepen “the interdependence historic” between the two countries, while stressing blessed to attend the Arab Summit to be held in Iraq by the end of this month. as revealed political source, that al-Maliki ended the negotiations with the holy agreement on re-installation and maintenance of border markers, as He pointed out that the two sides agreed to hold a joint higher committee meeting after the end of the Baghdad summit, stressed that al-Maliki will conclude his visit to Kuwait, this evening, after the signing of the agreement settling the issue of airlines. The source said that “Iraq and Kuwait agreed to install and maintenance of border markers and the payment of Baghdad with its obligations of the United Nations under resolution 833, “asserting that” the agreement on the border issue is one of the most important issues that will contribute to raise Iraq from the list of Chapter VII of the United Nations. “said the source, who requested anonymity, that” al-Maliki and his Kuwaiti counterpart also agreed to resume meetings of the Iraqi-Kuwaiti Supreme after the end of the Arab Summit and the implementation of the record which was agreed upon in this visit. “with Ali al-Moussawi, a media adviser to Iraqi Prime Minister Nuri al-Maliki, on Wednesday,” The Iraq reached an agreement worth $ 500 million with Kuwait to settle the debts due for a period of Gulf War was to prevent Iraqi Airways to fly to the West. “Al-Moussawi said,” that Iraq would pay under the agreement $ 300 million in cash to Kuwait and will invest another $ 200 million in airline Kuwaiti-Iraqi operation. “stressing that Kuwait in return will stop the legal proceedings against “Iraqi Airways”.
http://www.almustakbalpaper.com/ArticleShow.aspx?ID=19407

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One basket of agreements on outstanding issues between Iraq and Kuwaiti for decades, Maliki agrees with the morning on the demarcation of the border and end the file of the airline $ 500 million march 15,2012.

Baghdad -
Description and Foreign Minister Hoshyar Zebari held talks Prime Minister Nuri al-Maliki with the Emir of Kuwait and his prime minister as “very successful”.

Zebari said in a statement to reporters after a dinner held for the owners last night before Mghaderth Kuwait that these discussions as well as bilateral discussions between Minister of Kuwaitis and Iraqis were in the skies “well and good,” and contributed to the strengthening of bilateral relations, adding that the coming period will witness “a very positive development” of these relationships.

He said he was in talks to reach a solution on the settlement of debts of Iraqi Airways to Kuwait Airways Corporation “As for other issues, there are obligations and benefits to Iraq in accordance with international resolutions.”

He stressed that Iraq will begin the implementation of these benefits, particularly regarding the maintenance of ground marks the border between the two countries as well as all technical issues related to this subject.

Asked whether the talks have addressed the issue of Mubarak Al-Kabeer Port Zebari said he had been addressed during the talks to all issues, including the issue of freedom of navigation in the Khor Abdullah.

He announced that the two sides agreed to convene a meeting of the Ministerial Committee headed by the Kuwaiti-Iraqi foreign ministers of the two countries after the Arab Summit to be held in Baghdad in late March, the current. / End

http://www.alliraqnews.com/index.php?option=com_content&view=article&id=31147%3A———-q—q&catid=41%3A2011-04-08-17-27-21&Itemid=86

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Zebari: Iraq’s al-Maliki talks in Kuwait is very successful and the coming period will witness a “very positive development” Thursday, March 15 / March 2012 06:52.

12/03/2012 21:07:00Baghdad (NINA) – Leader of Iraqiya Parliamentary bloc announced that the sides participating in the preparatory meeting for the National Meeting have agreed on implementing Erbil Agreement in full and the necessity to solve Hashimi and Mutalq issues.

In a statement to NINA, at the end of the meeting on Monday evening, Mar. 12, Jumaily said that the convened agreed on putting a mechanism to implement the agreement through forming a committee, consisting of Adnan al-Janabi, from Iraqiya, Khalid al-Atiya, from the National Alliance, and Nuri Shaways, from the Kurdish Alliance.

He added that the committee will meet on Wednesday morning.

He pointed out that they have agreed on the necessity to solve the cases of Vice President, Tariq al-Hashim, and Deputy Prime Minister, Saleh al-Mutlaq, as well as ending the random arrests being carried out in some area.

The Preparatory Committee held it fifth meeting on Monday evening at the residence of Vice President, Khudayer al-Khuza’e. / End.

http://www.ninanews.com/english/News…ar95_VQ=FKHDEK

Thanks Sunny for surfing up this awesome news !!

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BREAKING NEWS “Iraq Erbil Agreement: Preparatory Committee agrees on implementing Erbil Agreement, solving Hashimi,”

Good Question Melisa Oldham

The History of of Pink Slips…because in the old days when they didn’t have computers to trade every day on and 99% trading was on the Floor at Wall Street and at the docks where the boats were unloading the products ( dirt floor too ) they would hold out pieces of paper with a bid on it to the a guy standing on a Milk crate selling the stock (the ask) and the bidders waved their bids at him..any ways, A big buyer like a Rockefeller type didn’t have any paper, so he asked a lady on the curb out side if she has a Slip ( goes under a dress) on and she said yes.he asked if he could buy it for a lot of money too by the way..well of course she said yes..so he tore it up in pieces to use to write on and buy ( bid ) his buys on..well his unusual piece of paper as it were kept catching the eye of the asked (seller) and he made a killing that day on all the stocks he bought cheap.. now why is this unusual you ask… because the slip was PINK !! and then hence became known as Pink Slips…and that’s my story and i’m sticking to it…jp

A few other definitions:

a pink slip  (American)

One of the beneficial features of real estate is that it produces relatively consistent total returns that are a hybrid of income and capital growth. In that sense, real estate has a coupon-paying bond-like component in that it pays a regular, steady income stream, and it has a stock-like component in that its value has a propensity to fluctuate. And, like all securities that you have a long position in, you would prefer the value to go up more often than it goes down!

The income return from real estate is directly linked to the rent payments received from tenants, minus the costs of operating the property and outgoing mortgage/financing payments. So, you can understand how important it is to keep your property as full as possible. If you lose too many tenants, you won’t have sufficient rents being paid by the other tenants to cover the building operating costs. Your ability to keep the building full depends on the strength of the leasing market – that is, the supply and demand for space similar to the space you are trying to lease. In weaker markets with oversupply of vacancies or poor demand, you would have to charge less rent to keep your building full than in a strong leasing market. And unfortunately, if your rents are lower, your income returns are lower.

Capital appreciation of a property is determined by having the property appraised.,   an appraiser uses actual sale transactions that have occurred and other pieces of market data to estimate what your property would be worth if it were to be sold. If the appraiser thinks your property would sell for more than you bought it for, then you’ve achieved a positive capital return. Because the appraiser uses past transactions in judging values, capital returns are directly linked to the performance of the investment sales market. The investment sales market is affected largely by the supply and demand of investment product.

The majority of the volatility in real estate returns comes from the capital appreciation component of returns. Income returns tend to be fairly stable, and capital returns fluctuate more. The volatility of total returns falls somewhere in between.

Other Characteristics
Some of the other characteristics that make real estate unique as compared to other investment alternatives are as follows:

1. No fixed maturity
   Unlike a bond which has a fixed maturity date, an equity real estate investment does not normally mature. In Europe, it is not uncommon for investors to hold property for over 100 years. This attribute of real estate allows an owner to buy a property, execute a business plan, then dispose of the property whenever appropriate. An exception to this characteristic is an investment in fixed-term debt; by definition a mortgage would have a fixed maturity.
2. Tangible
   Real estate is, well, real! You can visit your investment, speak with your tenants, and show it off to your family and friends. You can see it and touch it. A result of this attribute is that you have a certain degree of physical control over the investment – if something is wrong with it, you can try fixing it. You can’t do that with a stock or bond.
3. Requires Management
   Because real estate is tangible, it needs to be managed in a hands-on manner. Tenant complaints must be addressed. Landscaping must be handled. And, when the building starts to age, it needs to be renovated.
4. Inefficient Markets
   An inefficient market is not necessarily a bad thing. It just means that information asymmetry exists among participants in the market, allowing greater profits to be made by those with special information, expertise or resources. In contrast, public stock markets are much more efficient – information is efficiently disseminated among market participants, and those with material non-public information are not permitted to trade upon the information. In the real estate markets, information is king, and can allow an investor to see profit opportunities that might otherwise not have presented themselves.
5. High Transaction Costs
   Private market real estate has high purchase costs and sale costs. On purchases, there are real-estate-agent-related commissions, lawyers’ fees, engineers’ fees and many other costs that can raise the effective purchase price well beyond the price the seller will actually receive. On sales, a substantial brokeragefee is usually required for the property to be properly exposed to the market. Because of the high costs of “trading” real estate, longer holding periods are common and speculative trading is rarer than for stocks.
6. Lower Liquidity
   With the exception of real estate securities, no public exchange exists for the trading of real estate. This makes real estate more difficult to sell because deals must be privately brokered. There can be a substantial lag between the time you decide to sell a property and when it actually is sold – usually a couple months at least.
7. Underlying Tenant Quality
   When assessing an income-producing property, an important consideration is the quality of the underlying tenancy. This is important because when you purchase the property, you’re buying two things: the physical real estate, and the income stream from the tenants. If the tenants are likely to default on their monthly obligation, the risk of the investment is greater.
8. Variability among Regions
   While it sounds cliché, location is one of the important aspects of real estate investments; a piece of real estate can perform very differently among countries, regions, cities and even within the same city. These regional differences need to be considered when making an investment, because your selection of which market to invest in has as large an impact on your eventual returns as your choice of property within the market…..

Source:

Link:

Blue’s Comments:

Here We covered the 8 main Characteristics that may be common sense but never discounted as so.. A few major points here are…..1. when you purchase the property, you’re buying two things: the physical real estate, and the income stream from the tenants. 2. An inefficient market is not necessarily a bad thing. It just means that information asymmetry exists among participants in the market, allowing greater profits to be made by those with special information, expertise or resources….Take your time when searching for Income producing Propertys and find the right fit for you and your Real Estate Portfolio…Blue
Footnote: My next series on Exploring Real Estate Investments will be on “ Advantages And Disadvantages ” Part 5 …Blue

http://revalue.us/site/conference

Blue’s Comments: 

These Guys Rock !! I really Dig Davids Thoughts and his way of thinking is a stand alone must attend or play back Conference Call..he has such an easy going persona and an awesome delivery of those thoughts..i highly recommend the Revalue team when you have the chance…Blue

Pavlov’s Dogs:
Every time that Pavlov would ring a bell, he would immediately give his dogs a treat. In no time at all, his dogs began to drool whenever they would hear the bell ring. (Brain Washing or Brain Training in Action).

Mass Manipulation:
If Pavlov could train one dog to salivate every time he rang the bell, then he could duplicate this same process with several dogs, or even packs of dogs with the same results… right? Of course!

Currency Market Manipulation:
The same principles that trained Pavlov’s Dogs have been witnessed in the currency markets around the world. The formula is simple, release information, intel, rumor that points to an impending up-tick in the market and investors will purchase that country’s currency in anticipation of making a profit. “Rumors Move Markets”. That saying rings true throughout the $3 – $4 TRILLION (USD) that is traded on the currency market called FOREX, EVERY SINGLE DAY! Dr. Shabbibi has an impressive resume and background understanding this market, well beyond the level of expert, and he is in absolute control of the Monetary policy of Iraq and the IQD.

But WHY??? 
Why would Iraq “pump up” sales of Dinar through rumor, leaked intel, information, news articles, etc from 2003 all of the way through December 15th, 2010, if the currency wasn’t internationally recognized, accepted and traded? What did they have to gain?

Follow the Money!!! (2003 – 2010)
During this time period, Iraq was under the most severe United Nations Sanctions in the history of the UN. They could not trade with virtually any other country. During this same time period, every dollar earned from every drop of oil sold, went directly into the DFI (Development Fund for Iraq) and was then funneled through the “Oil for Food” program. So, basically, as an entire country, they were not able to get paid for ANYTHING for almost 8 YEARS! The ONE and ONLY exception to this embargo was their currency. Under George w. Bush’s Executive Order 13303, people could purchase Iraq’s currency without restriction. So, the ONLY way that Iraq had to generate income for their country (that didn’t have to go into the DF) was through the sale of their currency. They have sold literally hundreds of millions of dollars (USD) worth of Dinar every day and it is the ONLY thing that has propped up their nonexistent economy during this time period. In order for this to happen they had to “brainwash” Dinarains into thinking that “it might RV any day” in order to convince them to act and exchange USD for IQD during that extensive time period. Releasing a “rumor” was like ringing a bell and the Dinarians would then re-act, by buying more Dinar, and that was exactly what Iraq needed to have happen then.

And the “Dinar Gurus” was born:
During this time frame, in order to get the information or rather misinformation out to the masses of people, they utilized the “leaders” of the Dinarian Community. A simple “Google search” would point out who these people were. From there, they could approach, connect with and feed information to these people who would then share the information with the masses in order to get them to think that the RV might happen soon, so that they would go and buy more Dinar, hence propping up the economy of Iraq through the currency auctions.

Follow the Money!!! (December 15th, 2010 – June 30th, 2011)
In a Herculean effort, December 15th, 2010, the Government of Iraq (GOI) was formed and the first half of the UN Sanctions were removed. In my opinion, during this time frame there was only a 50% chance (or less) of an RV actually taking place though, because until June 30th, the UN still owned and managed the DFI (Development Fund for Iraq) so Iraq did not even have its own money. It was not recognized as a fully autonomous and sovereign nation and there were still a tremendous amount of sanctions governing Iraq’s trade and therefore its economy.

Time to “Discredit the Gurus”:
Although the Dinar Guru’s fulfilled a purpose for Iraq during the 96 months, or so, from 2003 – 2010 that there was NO CHANCE of an RV, but during the time that Iraq needed people to buy its currency. The Gurus did a great job of presenting all of the intel, rumor and innuendo that they were being fed. However, during the time period from December 15th, 2010 – June 30th, 2011, Iraq would need to discredit these people in order to “brainwash” the Dinarians once again. Just like Pavlov’s Dogs, you first ring a bell then immediately give a treat to reinforces the behavior that you want. Then you train those same dogs to not drool, when ringing the same bell, by not giving them the treat that you promised. After a while, you can ring the bell 100 times and not get one drop of drool. In the Dinarian World this accomplishes two goals… 1.) It discredits the Guru’s so no one believes a world that they say and 2.) It makes people not buy more Dinar, lose hope and even sell the Dinar that they have been holding onto. This continues through even today with the daily shouts of “its going to RV yesterday / today / tomorrow” that is shouted by every Guru with “sources” and “intel”.

Is the Brain Washing working?:
Up until June 30th, 2011, there realistically wasn’t much of a realistic chance at all of the Iraqi Dinar actually RVing. Yet, we were all on the roller coaster with a huge (refillable) glass of the Kool-Aide. We, as a community, are thinking what they want us to think (like, “its never going to happen” or “maybe next month” or “maybe next year”) and by thinking what they want us to think, we may also be doing what they want us to do… give up… lose hope… sell back our Dinar… at very least, don’t buy any more!!! But, why would they want us to think this? Why would they want us to do that? That’s an easy one… after the Dinar RVs they will have to pay back (up to) 3000% more than most of us paid for it. This is the time when the writing on the wall, combined with the monumental achievements that actually support their economy and therefore the increased value of their currency, strongly supports an RV and we feel, as they want us to feel, defeated, burnt out, hopeless and selling Dinar instead of buying it. Its crazy from a historical standpoint with where they have been and where they are now that we are not overjoyed… Hmmmmm… Maybe the Brain Washing and / or Brain Training their propaganda campaign is working! Are you thinking how they want you to think and acting as they want you to act?

Side Benefit from our Government’s standpoint:
This is just food for thought…. But… If the IQD really does RV soon (like let’s just say during the month of October, like much evidence seems to suggest), why would they not want us to prepare for this sudden wealth so that we could make smart, informed decisions? That too is an easy one… Sudden Wealth Syndrome (SWS) psychologically speaking when people get a huge amount of wealth all of the sudden, almost unexpectedly in many cases, they spend their money emotionally instead of rationally. They spend too much too quickly, and traditionally on things that depreciate in value. Why would our government care? They have a huge dog in that fight… Every dollar that is in circulation is taxed approximately 22 times per month (as it changes hands). Investment dollars are only taxed once, when the investment reaches maturity.

Brainwashing Continues:
So, right now, in this “Calm before the RV Storm” when we all have every reason to be expecting the RV of the IQD to actually take place, very few people are actually spending their time and resources actually preparing for this sudden wealth that is about to land squarely on our laps. Instead we are focused on “just trying to hang on” or trying to keep the lights on or hoping that they don’t come and repossess the house that we’ve been living in, but not making payments on for months, even years in many cases. Then even though the writing is on the wall that they RV is right in front of us, we have been trained to dismiss the information or “kick that can down the road” when we do realize all that has been accomplished and how much of the “dot the I’s and cross the T’s” final agreements and its implementation is actually being done right now.

I am not a “guru”… I am just a fellow Dinar Investor like you. You can look at my concept as a “Conspiracy Theory” and dismiss it is you like or you might agree with it and re-train your brain to think according to your own internal discernment instead of buying into the programming that has been masterfully orchestrated. Everything that I stated is my opinion, but my opinion is based upon US Military Training in Psychological Operations, a business background of growing multiple businesses at a rate of 300+% annually to the tune of tens of millions of dollars per year, a fellow Dinarian who is Heavily Invested and a co-host of conference calls 5 hours a night 7 days week for months, which is now down to 3 days a week 3 hours a day. So, I would at least consider the ideas that I have presented to being more than just an “Educated Guess”.

You are empowered to think whatever you choose to think and act however you choose to act. I put this out there only to offer an observation, an opinion. If you agree, I’d love to hear why… If you disagree, I’d love to know why also. If you have a different thought process to offer, I’d love to hear that too! I always love to learn as much as I can!

Tonight’s R4R CC is going to be off the hook with this discussion!

I welcome your thoughts!
Your Friend,
ConnectWithScott

Ps. Sorry this is so long, but its complicated…lol. Also, I’ve received many e-mails about the post I just made entitled “Thinking about giving up on the Dinar? You may want to read this first! (ConnectWithScott)”that this was the fastest, easiest way to clarify my thoughts in that post.

Income-producing properties are also purchased by individual investors in the form of smaller apartment buildings, duplexes or even a single family homes or condominiums that are rented out to tenants.

In the context of portfolio investing, real estate is traditionally considered an “alternative” investment class. That means it is a supplementary investment used to build on a primary portfolio of stocks, bonds and other securities.

One of the main differences between investing in a piece of real estate as compared to stocks or bonds is that real estate is an investment in the “bricks and mortar” of a building and the land it is built upon. This makes real estate highly tangible, because unlike most stocks you can see and touch your property. This often creates substantial pride of ownership, but tangibility also has its downside because real estate requires hands-on management. You don’t need to mow the lawn of a bond or unplug the toilet of a stock!

Source: Investopedia / Bluewaters2u

Link: http://www.investopedia.com/#axzz1ZYVOQzN7

Blue’s Comments:

Lets discuss the rationale for adding real estate to your portfolio. See my Next Blog on under Investment 101 Tab “ Exploring Real Estate Investments: What Is Real Estate?

Because this is such a huge and broad area for discussion, I am going to break this down in more than one section under Exploring Real Estate Investments..I will call this Part 1.

Quote from above: “ One of the main differences between investing in a piece of real estate as compared to stocks or bonds is that real estate is an investment in the ”bricks and mortar” of a building and the land it is built upon. This makes real estate highly tangible, because unlike most stocks you can see and touch your property. This often creates substantial pride of ownership, but tangibility also has its downside because real estate requires hands-on management. You don’t need to mow the lawn of a bond or unplug the toilet of a stock!”.

1) Investing in stocks is just like gambling.
This reasoning causes many people to shy away from the stock market. To understand why investing in stocks is inherently different from gambling, we need to review what it means to buy stocks. A share of common stock is ownership in a company. It entitles the holder to a claim on assets as well as a fraction of the profits that the company generates. Too often, investors think of shares as simply a trading vehicle, and they forget that stock represents the ownership of a company.

In the stock market, investors are constantly trying to assess the profit that will be left over for shareholders. This is why stock prices fluctuate. The outlook for business conditions is always changing, and so are the future earnings of a company.

Assessing the value of a company isn’t an easy practice. There are so many variables involved that the short-term price movements appear to be random (academics call this the Random Walk Theory); however, over the long term, a company is only worth the present value of the profits it will make. In the short term a company can survive without profits because of the expectations of future earnings, but no company can fool investors forever – eventually a company’s stock price can be expected to show the true value of the firm.

Gambling, on the contrary, is a zero-sum game. It merely takes money from a loser and gives it to a winner. No value is ever created. By investing, we increase the overall wealth of an economy. As companies compete, they increase productivity and develop products that can make our lives better. Don’t confuse investing and creating wealth with gambling’s zero-sum game.

2) The stock market is an exclusive club in which only brokers and rich people make money.
Many market advisors claim to be able to call the markets’ every turn. The fact is that almost every study done on this topic has proven that these claims are false. Most market prognosticators are notoriously inaccurate; furthermore, the advent of the internet has made the market much more open to the public than ever before. All the data and research tools previously available only tobrokerages are now there for individuals to use.

Actually, individuals have an advantage over institutional investors because individuals can afford to be long-term oriented. The big money managers are under extreme pressure to get high returns every quarter. Their performance is often so scrutinized that they can’t invest in opportunities that take some time to develop. Individuals have the ability to look beyond temporary downturns in favor of a long-term outlook.

3) Fallen angels will all go back up, eventually.
Whatever the reason for this myth’s appeal, nothing is more destructive to amateur investors than thinking that a stock trading near a 52-week low is a good buy. Think of this in terms of the old Wall Street adage, “Those who try to catch a falling knife only get hurt.”

Suppose you are looking at two stocks:

• XYZ made an all time high last year around $50 but has since fallen to $10 per share.

• ABC is a smaller company but has recently gone from $5 to $10 per share.

Which stock would you buy? Believe it or not, all things being equal, a majority of investors choose the stock that has fallen from $50 because they believe that it will eventually make it back up to those levels again. Thinking this way is a cardinal sin in investing! Price is only one part of the investing equation (which is different from trading, whch uses technical analysis). The goal is to buy good companies at a reasonable price. Buying companies solely because their market price has fallen will get you nowhere. Make sure you don’t confuse this practice with value investing, which is buying high-quality companies that are undervalued by the market.

Below is a chart of Nortel’s decline. Imagine how much money you would have lost had you bought Nortel just because it kept on hitting new lows!

This chart was supplied by Barchart.com

4) Stocks that go up must come down.
The laws of physics do not apply in the stock market. There is no gravitational force that pulls stocks back to even. Over ten years ago, Warren Buffets Berkshire Hathaway’s stock price went from $6,000 to $10,000 per share in a little more than a year. Had you thought that this stock was going to return to its lower initial position, you would have missed out on the subsequent rise to $70,000 per share over the following six years.

Below is a chart of Wal-Mart from 1997 to 2000. We’ve circled every time the stock chart hit resistance to reaching a new high. Those investors who were waiting for the stock to come back to earth would missed out on a return of 500% or more. What’s behind the stock? It’s the company! Wal-Mart is another example of an excellent company that has dominated its industry by being innovative and creating value for both shareholders and customers.

This chart was supplied by Barchart.com

We’re not trying to tell you that stocks never undergo a correction. The point is that the stock price is a reflection of the company. If you find a great firm run by excellent managers, there is no reason the stock won’t keep on going up.

5) Having just a little knowledge, because it is better than none, is enough to invest in the stock market.
Knowing something is generally better than nothing, but it is crucial in the stock market that individual investors have a clear understanding of what they are doing with their money. It’s those investors who really do their homework that succeed.

Don’t fret, if you don’t have the time to fully understand what to do with your money, then having an advisor is not a bad thing. The cost of investing in something that you do not fully understand far outweighs the cost of using an investment advisor.

Conclusion
Forgive us for ending with more investing clichés, but there is another old adage that is very much worth repeating: “What’s obvious is obviously wrong.” This means that knowing a little bit will only have you following the crowd like a lemming. Like anything worth anything, successful investing takes hard work and effort. A partially informed investor is about as effective as a partially informed surgeon; he or she will only hurt themselves and those around them.

Source: Investopedia

Link: http://www.investopedia.com/articles/02/061902.asp#ixzz1ZH6MTUHN

Blues Commenets:

Don’t fret, if you don’t have the time to fully understand what to do with your money, then having an advisor is not a bad thing. The cost of investing in something that you do not fully understand far outweighs the cost of using an investment advisor or Pro.

Bluewaters2u Blog and Investopedia  believes that individuals can excel at managing financial affairs. As such, we strive to provide free educational content and tools to empower individual investors, including thousands of original and objective articles and tutorials on a wide variety of financial topics..Stay tinned for more Blogs like this and click the Category Investment 101 Tab at the top to see more of these types of educational content…Blue

‘Twas my life before Dinar, oh how mundane

I did not own investments, but I still sane!

I had not seen pink money, nor did I care,

Hundreds become Millions? I was unaware!

I had my paycheck and that was enough…

Then came the recession and budgets got tough!

A friend told me something that sounded bizarre,

The answer to my problems was Iraqi Dinar!

Then off to the internet, to educate myself…

Was Shabbibi Santa? Maliki his elf?

Could it be this easy? Could this be real?

Typed “Dinar” in Google to understand the deal!

And what to my wandering eyes did appear?

But site after site that sounded sincere!

Some said it was good, and others a scam,

I read and I studied like for an exam!

Soon I knew more, about this country Iraq

Then I knew of my own, but cut me some slack

I purchased some Dinar and oh my life changed

My focus and time became all rearranged!

I now owned pink money, so now I was hooked

And I was amazed at how pretty it looked!

So back to the internet to catch all the buzz

Site after site with all the info there was…

Minutes became hours, and hours became days

Days became weeks of Dinarian Haze!

Maliki, Alawi, Shabbibi and such

Barzanni, Talabani and Sadar, too much!

These people, their stories, all spin in my head!

It didn’t make sense no matter how much I read!

I set out to find other people like me

Fellow investors chasing the RV!

The first thing I found were the Forums and Chats

This is where all the Dinarians are at!

People’sDinar, DinarVets and of course PTR…

DinarSpeculator, DinarRumor and PlanetDinar!

I’ve met so many people and I bet you have too!

Steve, Ray, Okie, Dan and of course Tony too!

Then Adam and Randy, Scooter and Med,

Blaino, Frank, Phoenix and BondLady said!

The Rumors and Intel was all that I had,

It made me so happy then left me so sad!

I drank the Kool-Aide, and it gave me the blues,

Then I met some nice people who focused on News!

Currency Newshound, DinarDaddy & DinarRumor

My brain was swelling, it felt like a tumor!

I needed an interpreter, translator and analyst!

I began my search, I knew it must exist!

I found something called a Conference Call, oh wow!

They spoon-fed me the news, it made sense, Holy Cow!

Revalue, then Call Squad, then IQD Team…

Now Ready4Riches (the Dinar Dream Team)!

My cell phone plan needed to be upgraded,

My minutes were gone, my old plan was outdated

Every night for three hours, I’d listen and learn

About what to do with all the money I’d earn.

I found voices of reason to guide me right through,

Tools and techniques to raise my financial IQ

Sam, Shannan and JP and ConnectWithScott

Ben, Mary and Billie they’ve taught me a lot!

I’m well on my way to my IQD PhD!

So many abbreviations, Hmm.. well, let’s see,

GOI, CBI, and the HCL… IMF, WTO and the IQD

The most famous of all is, of course, the RV!

I make my RV Plan and I check it twice,

When Shab’s pokes the button it will be so nice!

My old life will be over, my new life begins

And it’s not just for me, ‘cause everyone wins!

In this calm before the storm, I listen and learn

I know before long, it will be my turn

To put into practice all that I’ve been taught

For soon my old rowboat will become my new yacht

Just like Iraq, I have only one chance

There are no “Do-Overs” in the land of Finance!

So I will continue to get all prepared

Even though it’s all new, there’s no need to be scared!

Monday, Wednesday and Saturday at 8:00 on the dot

Ready4Riches, the whole team, with ConnectWithScott

Will be there to guide me and help me along

It feels like a family, I know I belong!

Where do I find the phone number and pin?

Must I call early, just to get in?

Go to Ready4Riches.com and you’ll see

Go there just once and I bet you’ll agree

Each day a step closer to the impending RV

Soon my old life will be just, a memory

So use this time wisely, to help you create

The new life that you want, I’ll see you at 8:00

Listen Here

https://app.freeconferencecallhd.com/playback.html?n=-17-65-6771-17-65-67-17-65-67111-17-65-671161195881-17-65-6776-40-122-17-65-67;0MTY4ODA1NjE=1

‘Twas my life before Dinar, oh how mundane

I did not own investments, but I still sane!

I had not seen pink money, nor did I care,

Hundreds become Millions? I was unaware!

I had my paycheck and that was enough…

Then came the recession and budgets got tough!

A friend told me something that sounded bizarre,

The answer to my problems was Iraqi Dinar!

Then off to the internet, to educate myself…

Was Shabbibi Santa? Maliki his elf?

Could it be this easy? Could this be real?

Typed “Dinar” in Google to understand the deal!

And what to my wandering eyes did appear?

But site after site that sounded sincere!

Some said it was good, and others a scam,

I read and I studied like for an exam!

Soon I knew more, about this country Iraq

Then I knew of my own, but cut me some slack

I purchased some Dinar and oh my life changed

My focus and time became all rearranged!

I now owned pink money, so now I was hooked

And I was amazed at how pretty it looked!

So back to the internet to catch all the buzz

Site after site with all the info there was…

Minutes became hours, and hours became days

Days became weeks of Dinarian Haze!

Maliki, Alawi, Shabbibi and such

Barzanni, Talabani and Sadar, too much!

These people, their stories, all spin in my head!

It didn’t make sense no matter how much I read!

I set out to find other people like me

Fellow investors chasing the RV!

The first thing I found were the Forums and Chats

This is where all the Dinarians are at!

People’sDinar, DinarVets and of course PTR…

DinarSpeculator, DinarRumor and PlanetDinar!

I’ve met so many people and I bet you have too!

Steve, Ray, Okie, Dan and of course Tony too!

Then Adam and Randy, Scooter and Med,

Blaino, Frank, Phoenix and BondLady said!

The Rumors and Intel was all that I had,

It made me so happy then left me so sad!

I drank the Kool-Aide, and it gave me the blues,

Then I met some nice people who focused on News!

Currency Newshound, DinarDaddy & DinarRumor

My brain was swelling, it felt like a tumor!

I needed an interpreter, translator and analyst!

I began my search, I knew it must exist!

I found something called a Conference Call, oh wow!

They spoon-fed me the news, it made sense, Holy Cow!

Revalue, then Call Squad, then IQD Team…

Now Ready4Riches (the Dinar Dream Team)!

My cell phone plan needed to be upgraded,

My minutes were gone, my old plan was outdated

Every night for three hours, I’d listen and learn

About what to do with all the money I’d earn.

I found voices of reason to guide me right through,

Tools and techniques to raise my financial IQ

Sam, Shannan and JP and ConnectWithScott

Ben, Mary and Billie they’ve taught me a lot!

I’m well on my way to my IQD PhD!

So many abbreviations, Hmm.. well, let’s see,

GOI, CBI, and the HCL… IMF, WTO and the IQD

The most famous of all is, of course, the RV!

I make my RV Plan and I check it twice,

When Shab’s pokes the button it will be so nice!

My old life will be over, my new life begins

And it’s not just for me, ‘cause everyone wins!

In this calm before the storm, I listen and learn

I know before long, it will be my turn

To put into practice all that I’ve been taught

For soon my old rowboat will become my new yacht

Just like Iraq, I have only one chance

There are no “Do-Overs” in the land of Finance!

So I will continue to get all prepared

Even though it’s all new, there’s no need to be scared!

Monday, Wednesday and Saturday at 8:00 on the dot

Ready4Riches, the whole team, with ConnectWithScott

Will be there to guide me and help me along

It feels like a family, I know I belong!

Where do I find the phone number and pin?

Must I call early, just to get in?

Go to Ready4Riches.com and you’ll see

Go there just once and I bet you’ll agree

Each day a step closer to the impending RV

Soon my old life will be just, a memory

So use this time wisely, to help you create

The new life that you want, I’ll see you at 8:00

Listen Here

https://app.freeconferencecallhd.com/playback.html?n=-17-65-6771-17-65-67-17-65-67111-17-65-671161195881-17-65-6776-40-122-17-65-67;0MTY4ODA1NjE=1

1. Trading commissions
Surprise! Cheaper is not always better. We know you’ve probably figured that out, but the price per trade at a discount broker may also indicate the level of customer service that comes with it. If you aren’t trading in and out of stocks very often (and you shouldn’t be), and you’re not too concerned about whether your trade is executed within 15 seconds or two minutes (and you shouldn’t be), there really isn’t a significant difference among the brokers charging $7 to $20. If you go much cheaper than that, you may have trouble getting someone on the telephone to answer any questions you may have. And if you’re paying much more than that, you should expect near-flawless service.

2. Other fees
You’ll get a good idea of what we find important as far as additional fees are concerned in this comparison chart of our broker sponsors. Beyond the trading commissions, you’ll find that brokerages may charge other fees, including fees for transferring assets into the account, fees for closing an account, IRA custodian fees, wire transfer fees, account inactivity fees, annual fees, and fees for not maintaining a minimum balance. If you know your needs, you won’t end up paying for services you don’t need.

3. Minimum initial deposit
If you’re just starting out, consider what you’ll be able to comfortably invest initially. Some brokers have account minimums, so find the one that best fits your budget. We have more on this topichere.

4. Customer service
For Fools, customer service is a biggie. If nothing else, you should put some time into researching a broker’s service before you sign on the dotted line. In the case of discount brokers, customer service includes website performance and interface. Check out each brokerage’s website. Is the interface intuitive? Can you find what you’re looking for without having to click 65 links? Is it speedy? If talking to a live human is important to you, test their phone service. Does the brokerage answer the phone promptly? Is there an office nearby, just in case you need to talk face-to-face? (Not everyone does, but if that’s important to you, put it down on your checklist.) You’ll definitely want to see how the brokerage does at sending you all relevant material you ask for online.

Finally, check out The Motley Fool Discount Brokers discussion board for invaluable insight into the praise and complaints being put forth regarding each of the major brokerages. It’s an active board, with many strong opinions. Understand that those with complaints are more likely to post their thoughts than satisfied customers.

5. Traditional banking services
This might not be tops on your list, but if you want to consolidate your PINs and pennies, think about looking for a brokerage account that can accommodate your banking needs. Many brokers now offer:

• Money market sweeps
• Check writing and bill payment
• Visa cards
• Direct deposit
• ATM cards

Your cash will typically attract higher interest rates in a brokerage money market account versus the typical savings or checking account. Check out our banking area for more details.

6. Research
Some brokerages market their research as a real plus. That’s fine, but you probably don’t want to pay for it. There’s plenty of research available on the Web (including right here at Fool.com). Some of the offerings include analyst reports, real-time quotes, and detailed financial data.

7. Mutual funds
No-load mutual funds can be purchased directly from mutual fund companies, so unless you’re a mutual-fund trading addict, the availability of thousands of mutual funds in one location probably shouldn’t affect which broker you choose. While you may purchase some no-load mutual funds from discount brokers without paying a transaction fee, some brokers do charge a fee for funds — so be sure to check on this before making a purchase. And, of course, if there’s a particular mutual fund family that you’re set on using, make sure that the brokerage you select offers that family of funds.

8. Investment product selection
All the brokerages offer stocks traded on the major exchanges, and most will offer equity mutual funds. But there are a number of other investment vehicles that you may wish to use. If you’re interested in risking your hard-earned moolah on over-the-counter (OTC) bulletin board stocks (shame on you!), you’ll have to see which brokerages offer them. Other choices such as options, government bonds, corporate bonds, and the like are not available through every brokerage. Determine what you expect you’ll need — we’re fans of just plain old stocks, especially if you’re young — and act accordingly.

9. Other methods of getting your trades executed
What if the Internet breaks? We’d all probably get a bit more exercise and sun now and then. Seriously, though, sometimes you may not have access to a computer. Check out whether the brokerages you’re considering also have touch-tone phone trading, and how that works. Sometimes you just might want to place an order through a real, live person, and many discount brokerages offer that option, too.

10. Other freebies and perks
We wouldn’t suggest making too big a deal about the freebies. After all, they are one-time things, and $100 or a new Koosh ball probably isn’t going to be worth the hassle if you soon find that you’ve made the wrong choice and have to move your account elsewhere. Still, free money is free money (and Kooshes are a great way to relieve stress). So if you find yourself deadlocked on which brokerage to go with, cash (or some other perk) can be a persuasive tiebreaker.

Finally, remember this: If you’re only making five, six, 10, even 20 trades in a year, the difference between paying $7 per trade and $20 per trade isn’t significant. We think it’s better to make customer service a priority and not sweat about most of the other stuff. After all, how much did you ever worry about which bank to open your first checking account with? The differences are about the same.

Source: Motley Fool

Link: http://www.fool.com/investing/brokerage/10-ways-to-size-up-a-broker.aspx?source=ih2sitlnk0000001

Blue’s Comments: While trading on a ETrade, Scott Trade or TDWaterhouse platforms, they can give the Day trader a certain amount of independence built within their trade pic’s..But, lack the service end that a Charles Schwab or JP Morgan can give you through their Wealth Mangers/Brokers..If your a no-non sense trader like myself that does need the Tools of a full Blown Service minded Broker …Then I highly recommend the above Platforms for Trading…Remeber..it is all about you and your money no matter What platform you choose..good luck guys..Blue

Thoughts from around the Globe..I agree with the comments on getting excellent service and don’t sweat the other small things…I maintain multiple accounts and depending upon what trade I do, I use the account that is best for that…it might help if all of the brokers and banks were to strive to have a similar front-end interface. If you switch brokers, it takes a while to navigate these, and this learning process is a huge inhibitor, especially when you include banking and Bill Pay systems and ALL of the data you frequently must re-enter.

In the Fed’s widely anticipated policy statement yesterday afternoon, the FOMC announced another round of monetary easing to try and jump start the struggling economy.

After admitting that the current economic conditions pose “significant downside risks” to the recovery, the Committee reached the decision to alter the composition of their $2.9 trillion balance sheet:

In what has been named “Operation Twist” from a similar measure taken nearly 50 years ago, this tool is designed to reduce long term interest rates, which essentially makes the cost of capital cheaper for businesses and consumers to boost borrowing and spending.

The Fed has been under enormous pressure and scrutiny over the last several unorthodox attempts at easing monetary policy, particularly the last two rounds of Quantitative Easing (QE1 and QE2), which bloated the balance sheet to its current level.  The side effects have had a profound impact on consumers because of sharp increases in inflation and prices.

Not only have nearly 30% of the voting members on the Committee officially dissented to additional easing measures, but the Republican leadership in Congress made their feelings known by sending a stern letter ahead of this meeting to the Fed Chairman warning not to engage in further easing for fear of higher inflationary conditions.

So it appears as if there won’t be a QE3 anytime soon, unless the economy takes a severe turn for the worse.  The markets were sorely disappointed by this revelation, as they tumbled nearly 3% after the announcement yesterday afternoon, and are off to an even worse start today as I write this.

Aside from the portfolio shift further out along the yield curve, the Committee did make another compelling change to policy:

This is clear evidence that the Fed is trying to do everything possible to “twist the arms” of the American consumer — particularly those who’ve been sitting idle on the “white picket” fence — to go out and grab their piece of the “American Dream” and buy a home.

In their last policy statement in August, the Fed implicitly pledged to keep short term rates low until 2013, which also drove down longer term rates further out along the curve.  Last month’s actions dropped mortgage rates to historic lows.

Yesterday’s reading on Existing Home Sales showed a month over month jump of almost 8%, to an annualized rate of 5.03 million homes sold.

Now, instead of reinvesting the proceeds from maturing mortgage backed securities directly into Treasuries like they have been doing, they will reinvest the proceeds directly back into mortgage agency debt (Fannie and Freddie), which should squeeze mortgage spreads to tighten and lower residential mortgage rates even further.

The Fed is indeed doing everything that it can to boost the housing market while not increasing the balance sheet.

I would not be surprised to see the average 30-year fixed mortgage rate being quoted below 4.00% as early as next week.

Date: Mon 19/09/2011 9:46

Baghdad (news) .. A source close to House Speaker Osama Najafi that the latter would convey a verbal message from Prime Minister Nuri al-Maliki, to the President of Kurdistan, Massoud Barzani, including the possibility of approving the draft law of oil and gas, the sender, with modifications, as well as the Law of the National Council of the policies, deal one .

The source (of the Agency news of the sons) on Monday: that the letter include the approval of the draft law of oil and gas, as amended in the House of Representatives and the adoption of the Law Council of strategic policies, and ensure the application of Article (140) according to the parliamentary committee recently formed, deal one.

He Almusdraly: that all paragraphs that have been agreed upon will be implemented according to the committees, including the issue of balance, pointing out that Maliki stressed in his letter Alshovah to be candidates and independent security ministries are not included in the proceedings of the issue, and justice.

Earlier, the president of the Kurdistan Regional Government of Iraq, Barham Saleh, said that the visit of Prime House Osama Najafi anticipated for the region on Monday came to discuss the issues and the outstanding political problems between Erbil and Baghdad.

Saleh said in a press statement on the sidelines of his participation in the Erbil International Festival of Theatre, which launched its business on Sunday in Erbil will arrive on Monday, Iraqi Parliament Speaker to visit Erbil and come to talk about the political crisis in Iraq.

He stressed the commitment of the Kurdish Iraqi constitution and the implementation of the agreements that
formed the basis of which the current Iraqi government.

And the added benefit: our part, we emphasize the need to resolve the problem by invoking the Constitution and in the time necessary to implement the agreements that emerged from the current Iraqi government and the necessity of victory for the project and an Iraqi national guarantees the right to real participation of all the components of Iraq.

Source: THE CURRENCY NEWSHOUND

Link : http://wp.me/pZC7o-agL

Comments: Quote from Article: Baghdad (news) .. A source close to House Speaker Osama Najafi that the latter would convey a verbal message from Prime Minister Nuri al-Maliki, to the President of Kurdistan, Massoud Barzani, including the possibility of approving the draft law of oil and gas, the sender, with modifications, as well as the Law of the National Council of the policies, deal one …Unquote…This is A letter from Maliki to the President of Kurdistan outlining what he and the Committees have approved on the HCL and Oil Draft..Now we wait and see the response from the President of Kurdistan…Blue

Now, silver prices are back above $40 an ounce. That may have you feeling the urge to sell – but don’t.

Resist the temptation to sell silver because this recovery is for real, and it has much further to go.

In fact, I anticipate silver prices will peak at $150 an ounce within the next 12-18 months. 

The reason is simple: With central banks around the world pushing lax monetary policies, prices for all commodities – gold and silver in particular – will invariably rise.

We’ve already seen this happen with gold hitting a record high $1,923.70 an ounce on Sept. 7. And when gold goes higher, silver quickly follows.