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Thread: Investing tips.

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    Brett Nortje's Avatar Senior Member
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    Investing tips.

    This investing thing, it is all about putting your money into something that yields dividends, or, grows, or, is otherwise secure. If you were to place your money into some business or market that you think will grow, yield dividends or be secure, you need to know about it first. This can be done rather easily by researching the market, and, finding out this or that about it. What is their clientele, is it an emerging market, is it absolutely necessary, will it have business, is there competition...

    All of those factors will go to show that either it is a good investment, or, maybe it is not so good? "Bit Coin" of the twenty first century is much talked about, so will always attract new shareholders, and, their shares are so small and cheap that anyone can afford them. This means it will go up and down all the time, and, then yield one month, then regress the next, yes? This is rather unstable... is there anything YOU can do about it? Well, can you?

    If your stocks are placed into something, is there some scandalous nuances that you could pass onto your broker or bank manager that would circulate local markets? Think about it, a small idea takes a while to take hold - can you 'change the markets?' Yes you can! Come on, bear with me...

    Let's say you buy into a plumbing company. Great, essential, everyone needs a plumber at various times, yes? Need. Can you place an idea into a bankers head, over the telephone that will circulate and grow? Can you change the value of the company during times of trouble? Yes you can! How you would is up to you, maybe the plumber could advertise and show how they could do all the dirty work for the men of the house. Thing with plumbing is, nobody wants to do it, they do it because they;

    [A] Feel superior for doing it themselves, they will feel independent and like strong men, competent at providing for their families,

    [B] Think it is too expensive. Things are done properly, with a guarantee, and, that means that they will come back free of charge for the problems encountered. Expert advice, and, the problem itself being dealt with, these things are not enough for the price!

    So, can you get the plumber to lower the price? This would follow my twenty apples rule - rather sell twenty apples for five dollars than one apple for ten dollars, yes? If you are completely honest, it is hard to turn some ventures into dividend yields, but, if you live in the area of the company, let's say of the plumber, then you will know if they are 'well advertised,' yes? Are they highly thought of? Why not get involved - phoning around will yield information about how they are thought of, yes? Putting some time into your investment is not stupid, I am telling you!

    So, let's deal with the following points;

    [1] Who is the market?

    [2] Is it an emerging market that could keel over?

    [3] Is it necessary? Is it a need?

    [4] Will it have business? Is it filling a market section that needs filling?

    [5] Is there competition? Will competitors emerge?
    !! Thug LIfe !!

  2. #2
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    Lummy's Avatar Senior Member
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    What's the tip?

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    [1] Who is the market?

    When investing, you need to identify the market the investment will be pitching to. If you thought of investing in it, who are, you, and, why did you think of it? Likelihood is that people your age and financial demographic will also be using this type of business, unless it is a banking investment scheme, where the chances of it going the way you want it are as good as your instructions; rather invest yourself if you want to take a chance!

    ~ With bankers, they invest a lot of money in multiple markets, thereby eliminating the risk factor of the whole, while taking on the risk factor of the individual markets. Overall, the markets will yield dividends and you will get the money they promised you, or, they will be penalized and you still get something out, okay? Rather safe, these 'money markets.'

    So, with knowing who your market is, you can identify their ability to pay, their ability to not run into credit, and, their preference to this type of business, yes? Do people from your group drive "Toyota," "Mercedes" or "Hyundai?" Does this business fix windscreen wipers for these cars, and, are there a lot of sales at the moment - would they need fixing of these wipers due to the amount of hawkers placing adverts under the wipers, for example? Who is your market?

    Most know a good brand when they see one - do you like it? Why wouldn't others like it? I mean, is it a nice cake? Is it? Would others enjoy it? Is it kosher? Would vegetarians eat it? Think about these things when considering, in our example, whether to invest in the local bakery, yes?

    Who will be the customers? Were you a customer? Did you like the customers - are they frustrated taking stress out on staff? Are staff frustrated taking stress out on each other? The business itself, will it prosper if you put ideas into it? Would you be willing to make changes? Would you be willing to answer for your changes? Would you be willing to hear changes from some other course than yourself? Would the idea flourish in the market?

    Now, knowing your market is important for the whole business. If you do not know your market, sit and think, as silly as it may sound, what others might like. Do not be blaze, this is your money! Like any other owner had a dream, do you have a dream? Is this a start up, do you need to put more thought into it? All these things identify you with your clientele, and, them with you. Do you have a good name? If you do, then will it lend to the business? This would lead to automatic advertising and success for a while, and, that would reflect on the accounts if you want to sell it off, of course.
    !! Thug LIfe !!

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    Quote Originally Posted by Lummy View Post
    What's the tip?
    We are not there yet, still setting the premise...
    !! Thug LIfe !!

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    [2] State of the market; is it an emerging market?

    Investing is about new customers. There is no point banking on existing customers in some markets, like, let's say, electronics, when they will not come back for anything other than repairs or returns, hey? Think about new customers, you cannot count on existing customers unless through a formal agreement or location, there is no guarantee of brand loyalty, this is a luxury or false sense of security for most businesses! Think... new, please?

    Okay! So, let's say it is a new market, what is the attraction? There will be a surge of clients in the beginning, the real yuppies that need to have everything that shines, yes? This is where first generation items and produce is sold with great success, and, these attractions lead to brining more money in, quickly. This will lead to a great slush of funding, and, the mistake most small businesses make, as, all start ups are small, usually, is that they bank on this order capacity and buy more stock or provide for more services, yes? Business is good, let's plan for success!

    Wrong! Do not plan for success after great dividends yielded in the first month. This is the 'dreamer market.' These customers will disappear - poof! - they are gone! This is akin to a nice juicy apple with worms, the worms will come while it is juicy to their ideals of having the latest stuff, then, it is not so juicy, hey? Think of "Black Berry," nifty little cell and email thing, overstocked and looking for customers now, great marketability in the beginning, yes? Think of "Beta Max," great interest, lost out due to lack of performance under conditions they told customers not to place them under. Yes, people will test your patience, and, take it back to you - you are helpless! Think of those 'mobile device animal pets', think of "Pokemon Go," think of "Google glass..." These went under because the market was eager in the beginning, then lost interest - new customers is key, sales figures do not reflect new customers and sales!

    So, how do we get new customers? Better yet how is the market? If you are the start up, and, you see sales wane for a week, sell! This will be where the market is still eager, but it is just talk, yes? Those that wanted to show off their latest 'tablets,' say, have done so, those that still think highly of it, well, unless they go on sale, they will lose their 'word on the street credibility,' yes? Think logically about the ability to sell, is the price right, what will bring in new sales, bring in new customers?

    It is pointless with hot new property to sit back and see satisfied customers and highly thought of stocks. The trick is to keep selling, yes? This is where they will become a bad thing around the dinner table, where they will become a a forgotten thing, yes? To keep it fresh, you need to keep them being sold, keep getting steady customers, or, drop prices while interest is still there.

    If it is not an 'emerging market,' then you need to revive it. This can be done by adding colours to it, new packaging, new plastic design casing... think of a new look, a futuristic look? Compare the latest things people see, like the new popular car designs - how can you emulate those? Does it need to be 'more contoured?' Does it need to be 'more shiny?'

    Now, if you need to revitalize the market, you can do so with an idea, spreading, a rumour, dig something up that used to be popular, maybe like a artist or fashion designer brining in the oldest tenets of tribalism to the new dresses or shirts and pants, and, see what you can merge and collage to come up with, hey? Why not, just do it on paper first....
    !! Thug LIfe !!

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    [3] Necessity.

    Does your investment have a place as a need, a supplier to a bigger market segment, or, does it merely make needs meet of of stable orders from loyal customers? Now, I am going to tell you like I am telling your customers, there is no need for loyalty when resources are at stake! What is the point in just idling by and being satisfied with the way things are? Where is the harm in picking up the phone or emailing a new supplier and asking their prices? I mean, if you make a new order chain with an emerging supplier, for say six months, then the price of things goes down, the eagerness to satisfy the client is lit up and aggressive, and, then the company can make more net profit for that time, yes? Think about it, are they family? Is your supplier that important to you? If you were to was suppliers with someone, then the price will go down, yes? Both of you will prosper too!

    This necessity, as you the necessity? If you are, is there room for marking up prices? Think about this - plastics. Worth nothing, yes? Cheap to get hold of, easy to process, nothing in it. World without plastics... bombs away, tears, markets folding. So, plastics are a necessity, yes? This means they just need to be marketed and advertised properly, of course. Then, their necessity will overshadow their credibility, and, they will become a talking point with new customers, if you will?

    So, if it is "a need," and then there is no surplus of this need being met, why not invest in it? There are a few factors that show that some needs need not be met, like 'a need to exercise,' yes? I mean, a doctor would say that exercise is a need, a dietician would say that a need for exercise needs to be met, but say a mother of three might be satisfied to set the kids up with tablets and see them wither away and say education is a need, yes? On the other hand, a rural family might see education as a secondary thing behind gathering water - you cannot live without water! - and then again, a Muslim might say water is something that only gets drunk in the morning, yes?

    ~ "Different strokes for different folks..."

    Now, if the need is not met, then there is a need for it, yes? If you identify a new, let's say, 'emotional need,' like a need for a identity, where the customer base will need to wear religious earrings of a certain type, let's say they would feel stupid at mosque, church or lodge without them, then there is your need being identified, yes? This could be a want too, but people never say to their creditor that they "want" this or that, they say "I need..." Of course, this could spill over into a whole lot of new needs, some of them unrealized by the other markets, and, in turn, some markets need others, and, others supply needs for others, of course.
    !! Thug LIfe !!

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    [4] Marketability - will it have business?

    Will your investment yield business? Will it be a steady flow of business, or, will it be seasonal? Will it attract tourists, at various times more than others, or, will it be functional during tax season or financial year end - March? Will it do well selling umbrellas in spring? Will it do well all the time, maybe selling packets for groceries? Do people care about your product or investment? Is your investment one that will draw customers, come hell or high water?

    Let's look at 'malls?' Everywhere you go in the suburbs, there you will find a few malls, or, one at least. These would be good investments as the need for the mall is there while the need for the shops in it are not - you are banking on the mall being filled by 'a client,' yes? This is where you are a supplier in charge, a need all of your own, yes? Think about it, you are the table they eat off, you are the ground they stand on... yes, malls is where it is at, depending on location and prices, of course.

    Will it have business? What is the point in making a good deal that does not yield, a dream that does not prosper? Yes, you bought that golf course you wanted, no, there is no interest, yes you are now running into debt trying to facilitate the course. It is too late now, you have gone under with something that looks bad on the books, looks bad to the eye, and, feels wrong for all golfers. You should have planned first!

    Maybe if you were to ask around, beforehand, maybe if you wanted to buy a restaurant, you went out there, and, offered to be a waiter or waitress, maybe for a weekend, you could gather information about the investment, sort of undercover, without anybody knowing? This would be market research, first hand! Do the patrons complain - about what? Do the staff look happy, how can you fix the supply of the services by fixing the working conditions? Can you... yes you can!

    So, will your investment get business? If it is a money market or baking investment, is it in a good sector or market? Can you change the market it is in? Can you change the market? Yes Yes! Yes you can! You can simply use your free time to spread rumours, you can use your spare time to manually advise your bankers, maybe with a deficit to your scheme, as to how to invest for you, if you will?

    Now, if you were to identify a investment that yields dividends, year round, or, a small ante on your finances and financial future, then you can adjust your place in the world, become your own master of your own destiny, and, hell, even have fun doing it!
    !! Thug LIfe !!

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    I invest mainly in diversified mutual funds with a large cash reserve.
    ΜOΛΩΝ ΛΑΒΕ


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    [5] Market monopolies; competition factors.

    With each investment, the place of the business or investment is more secure with a lack of competition. If it is a small town, and, it is the only computer repair place, then, the place is secure, yes? With insurance, especially in a small town, there is even more security, yes? Think, how can you guarantee that people will come to your investment or business? What draw cards do you have? What sets you apart from the rest? Why would they go to you instead of someone else? Is there someone else?

    If you were to be honest, there is always a competitor, BUT, with some processes there is a tiresome process of investment, time wise, to set it up. Bearing that in mind, most of these will be start ups and not franchises, and, that means you can move in and 'buy them out,' yes? If they were to be a local garage, with a mechanic and welders, then you could muscle them, roll them into the fold, offer them job security in the ripple effects of a competitive market, and, add them to your portfolio. This would see them and you share the spoils for whomever is making money, they either go to your garage chain or theirs, and, either way, you split the money, yes? Yes, this is a monopoly, but, if done right, especially in a small town, is not illegal.

    So, if you were to eliminate the problem of competition, in a needed or desired market, then you will get business, and, yield more than say fifteen percent of floated monies in a banking investment, yes? This is most interesting too, to go down to the asset and inspect, be treated well, see some books, hear some plans, hear from your managers, and, 'play god,' if you will?

    But, there is always the prospect of a 'hero!' Some purist that won't sell... what do you do then? You could hide your other interests and, offer him or her some funding or investments, only for them to find out you own the competitor too? Then, there is the possibility of them being so tied down with setting up equipment or services that they run out of cash during the setting up, hey? Think about this, if you want to start up a hair dresser or salon, and you need equipment, you don't know where to get those things, do you? Then, you need to fix up the premises, and, then you need to advertise? This could run concurrently with a new pitch by the market leader, where they get in new equipment, spruce the place up, and, lower prices for running you out of business before you get off the ground? With great surety, as a bigger business goes, there is more credit, yes? This allows for a better plan, if you will? This allows for a price war the little person cannot handle too!

    Now, if you were to analyse things further, you will notice, hey, glass manufacturing requires expensive machines, lots of skills and lots of capital, yet yields so little, even though it is essential? Why is that? Surely it would be competitive? Such a niche, such a captive market... the thing is, setting this up is so hard and tedious it puts people off, and, simply buying an established glass what you call it, why, that is priceless, even though it is rather low dividend yielding, it is so stable, yes? Food for thought.
    !! Thug LIfe !!

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    Quote Originally Posted by Peter1469 View Post
    I invest mainly in diversified mutual funds with a large cash reserve.
    I have basically all of my retirement funds in the stock market. Mostly individual stocks, but I do have a few mutual funds.

    I have some new money I want to invest, but I’m looking for something which will provide some supplemental income in my later years. I’m a triple dipper, but I really want to leave a nice nest egg to my kids when I depart this world. Plus I’d like some kind of safety net if something goes wrong.

    I’m looking at a Prudential annuity. If it performs as it has for the last decade, it’s projected to double my initial investment in seven years. It has a guaranteed rate of return even if the stock market crashes.


    I want to stay away from investing more money in individual stocks unless I get a tip I can’t resist.

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