Hub You - Finance

Tips No 1 - Learn How to Trade The Moment of Truth
So you have learned how to trade the markets by mastering a few trading tools like Moving Averages, Channels, Stochastics, MACD, or RSI - that is a great accomplishment achieved by only a few. However, having the tools and rules to trade markets successfully, year in and year out, is only half of the challenge. The other half is far more daunting and achieved by even fewer investors - I am talking about good old-fashioned discipline. That is, discipline to follow your indicators and rules without fail - every trade entry and every trade exit. This is why it is critical that you learn how to trade. This is the ‘moment of truth’ in the life of every trader or investor.Here is a test. Are you able to consistently pull the trigger on your sell signal when all the ‘experts’ are screaming, ‘buy’? Do you ever give your stop loss a little more room because you can’t stand to lose, not even one trade, only to have the market gap open the next day against you? Are you always available during the trading day to follow your trades? Do you let your emotions cloud your thinking and cause you to violate your own trading rules in the ‘heat of battle’? If you answered yes to any or all of these questions, you are absolutely normal and that’s the reason why it’s so difficult to trade successfully even with a good methodology. If you fail to learn how to trade , you are your own worst enemy, when it comes to disciplined trading or investing.Is there a remedy for this problem? Yes! The solution, when you are learning how to trade , is to find a good mechanical trading system that provides superior returns consistently over time and a broker to trade it, verbatim, on your behalf. You will have instantly solved the discipline problem and dramatically increase your potential for success.

ting. We told you that Impart Media Group (OTCBB: IMMGE) is a good candidate for this once they get listed on a higher exchange. So here’s the situation, Focus Media looks to be done on the downside and we see it breaking through the ceiling that it hit three times in a row, even if it gets up there and hits the ceiling again you are looking at a nice run.

The energizer bunny has put some life into Energizer Holdings (NYSE: ENR) as the stock climbed up another $1.53 to close at $56.18. This is due in part by an upgrade by Sun Trust Robinson but look beyond that as we mentioned we are headed into hurricane season and people in those states that are prone to hurricanes will be getting their supply of non-perishables and water in order, as well as their flashlights. This will surely give a nice boost to Energizer this summer but keep in tune to it because if the stock should come close to their 52 week high of $65.44,it could slip down easily once the hurricane season ends.

After a fall from the $80 range on Thursday June 8, 2006 to $76.52, Emerson Electric (NYSE: EMR) powered back up on an upgrade by Citigroup. It may bounce up a bit but slip right back down until it finds a new base. So if you are looking at Emerson you need to keep on top of it.

Other stocks that made moves on the upside include Hansen Natural (NASDAQ: HANS) which traded up $4.76 to close at $165.76, Overseas Shipholding (NYSE” OSG) traded up $2.65 to close at $53.65, Bunge Limited (NYSE: BG) traded up $2.36 to close at $56.12, Invitrogen Corp (NASDAQ: IVGN) traded up $1.76 to close at $64.84, Centex Corp (NYSE: CTX) traded up $1.61 to close at $47.13 and Itron (NASDAQ: ITRI) which traded up $1.87 to close at $56.68.

Under Ten

Now lets

4 Steps to Product Creation
Product creation is a systematic process. It involves different steps. You will find here 4 steps to product creation.Find an idea – For creating a product, first you have to find out an idea first. This ides is about the product, which you want to create. For best product creation, you should have a good idea. Your idea should be innovative and new. It should have commercial feasibility. Idea can be generated through different methods.Research the idea – For best product creation you should research the idea of the project. You have to see whether the idea is feasible or not, will there be demand for the product, which are the competing products, who will be the competitors, who will be the target market etc. You will have to find answer to many questions. Collect the research data and analyze the results.Test your idea – Test your idea before you start anything on the development. Test it before you start producing it commercially. Test it thoroughly. Make a prototype for testing. This prototype will help you in testing the idea in different conditions and situations. Testing is important for best product creation.Create it – When you are satisfied with the idea, the research and test results, then you are ready to create it. Arrange for the production if it is an item. If it is a service, then arrange for the equipments and necessary manpower to perform it. If it is something related to Internet and online business, you can develop it.

It’s Monday June 12, 2006, and the Dow gave up over 350 points last week as investors continue to be on the fence as it relates to a potential interest rate hike here in the United States. Global Markets have already shifted, from Europe to Asia, interest rate hikes occurred across the board.

A big factor for the U.S. is this Tuesday as the wholesale price report comes out and this Wednesday as the consumer price index is released. So both traders and economist are waiting for these figures as they will give a better indications as to whether Ben Bernanke will announce a rate hike or not during the June 28-29th Fed Meeting. So stay tuned….

Over the weekend the first storm of the 2006 Atlantic Ocean Hurricane Season, Tropical Storm Alberto, dropped over 18 inches of rain in Western Cuba in a 24-hour period, this forced the evacuation of close to 27,000 people. Now this is important because this is the start of hurricane season and Tropical Storm Alberto is heading to Florida, it was tagged as a depression on Sunday and now it’s tagged as a tropical storm as of this morning. The hurricane season will begin to chime in as it relates to crude oil prices, of course the situation in Iran is a big factor as well. We’ll update you on this situation tomorrow.

The first film that has been released by the Disney (NYSE: DIS) Pixar combo did well this weekend as it raked in over $63 million, but this is shy of the estimates. The street was expecting the film to gross between $70-$80 million at the box office this weekend. We even got wind of estimates of $100 million, which was a bit of a stretch. Now bear in mind that this film will do very well globally in the coming weeks and that is what investors need to look at, of course the first outing is important but it will not show you the true value of the Disney-Pixar combo. You may see a slight downturn in Disney today but expect that to be short lived as the street looks down the road and beyond the brick as opposed to looking solely at the weekend box office receipts.

As an investor you need to look at what the companies are currently doing but if you are investing in a company then you are betting that they will do well in the future. So with that in mind you need to look at what companies are doing now and what they could potentially do in the future. A prime example of that is General Motors (NYSE: GM), we’ve been speaking about the “American Icon” for a little bit now and for good reason, the street pounded the stock when the company was on the ropes. As GM began to align the right people and put together the right plan to implement then the street took notice. Now they have been executed their plan piece by piece and they are not even close to being done. Now as an investor had you done your homework or at the very least listened to what we had to say then you would have seen what we saw in the $19 range but it’s far from out of your reach at this point. This is why General Motors is our turnaround spotlight for 2006. We’ve also made one other addition to the “Turnaround Spotlight” and that company is IAC/InterActiveCorp (NASDAQ: IACI).

We spoke about Zale Corp (NYSE: ZLC) on Friday as they received a bump up by Goldman Sachs, and it looks like it was for good reason as Signet Group PLC (NYSE: SIG), the specialty jeweler retail store is said to be in talks with Zale for a potential merger situation. Now Signet operates over 1200 retail jewelry stores here in the United States under the names Kay Jewelers, and Jared The Galleria Of Jewelry and over 1800 globally while Zale operates over 1400 retail jewelry stores here in the U.S. The combination of the two should make them the largest jewelry retailer in the country.

The stock options probe continues as more companies are thrown into the mix, the latest companies to be targeted by informal inquiries by the SEC include Broadcom (NASDAQ: BRCM) and Intuit, Inc (NASDAQ: INTU). They join the likes of UnitedHealth (NASDAQ: UNH) and Power Integrations (NASDAQ: POWI) in a probe that seems to be more of a witch hunt of sorts than random inquiries. Now at least the companies that were initially targeted are not alone in the investigation that in some cases have went to the U.S. Attorneys officer of both New York and California.

Lets talk about cell phones for a minute, both Nokia (NYSE: NOK) Motorola (NYSE: MOT) may begin to feel the pinch of over saturation in the mobile phone market. Texas Instruments (NYSE: TXN) even though they showed good numbers gave a lower outlook for future quarters, they make chips for cell phones. Even though there are more cell phones sold in the United States than computers, that pace is sure to slow down. Motorola however did unveil a new phone to compete with both Research in Motions (NASDAQ: RIMM) Blackberry and Palm’s (NASDAQ: PALM) Treo, this may not be enough to put them over the top but they are in better shape than Nokia who just lost their CEO that helped to bring real value to the company during his tenure.

Movers and Shakers

Some major movers in Friday’s trading session include the healthcare information systems company Quality Systems Inc (NASDAQ: QSII), the stock traded up $5.25 to close at $37.25 and this movement start before the bell as the company announced late Thursday that their net income jumped 59 percent and their sales increased 39 percent. The street expected 23 cents and Quality Systems shocked them with a 28 cents EPS. Back in January of this year the stock traded in the $37 range before it bumped up to $45.44 exactly one month later. Keep in mind after it hit that $45.44 number the stock nosedived pretty quickly, but it looks to be in better shape now than it was earlier this year.

Royal Group Technologies (NYSE: RYG) shot up over $3.28 on Friday to close at $11.28 after they agreed to be taken over by Georgia Gulf Corp (NYSE: GGC) for $11.64 a share, This is a play that is over so don’t jump in because this is a stock that has pretty much flat lined since its $20 and change high back in 2002. They really have no choice but to inked the deal quickly before Georgia Gulf shareholders give a big “What’s up with that” to the board of Georgia Gulf.

Focus Media Holdings (NASDAQ: FMCN), lets touch on this quickly, the stock bounced back from the dip to $51.56 it made on June 8, 2006 and that just may be it. It closed up $2.49 on Friday to close at $54.05. We told you to keep this on your watch list at $68 because it was hitting a ceiling and it did for the third time, because of a combination of market conditions and additional stock hitting the market from an offering. Now this stock at some point will break through that $69.95 high in2006. I say this because they are the leader in digital signage in China, an ever-expanding market, and they want in on the massive United States Market. So they will either look to do this themselves, which is unlikely or quire a smaller digital signage company in the U.S. to gain footing. We told you that Impart Media Group (OTCBB: IMMGE) is a good candidate for this once they get listed on a higher exchange. So here’s the situation, Focus Media looks to be done on the downside and we see it breaking through the ceiling that it hit three times in a row, even if it gets up there and hits the ceiling again you are looking at a nice run.

Under Ten

Now lets

The LLC Set-Up: Setting Up a Limited Liability Company
To set up an LLC or limited liability company is one of the major decisions that any business or company can undertake. This form of business registration has a lot of implications for the operation and management of the company and can ultimately contribute to its success or failure. But the first thing any business that wants to set up an LLC should do is to get good advice. There are pros and cons to this type of business registration and to set up an LLC will take some time and money, the two most important resources that any business has. It is useful to examine the options before investing either.The simplest form of business registration is a sole proprietorship. This is usually a simple registration of the fact that an individual wishes to engage in public commerce and the nature of that business. Unless there are other licenses to obtain from the local regulatory authorities because of the nature of the business, this means a trip to City Hall, filling out the required forms, paying the minimal fees, and obtaining a business number that allows the company to begin business. The individual owner can then start up operations and assume all of the liabilities and tax requirements of the business.A more complex form of business registration is incorporation. This involves registering the business as a corporation and issuing shares in that business to others who may wish to be part of the business. The act of incorporation involves filing acts of incorporation with the state and while an individual can prepare and file these without an attorney, legal and financial advice is usually required to ensure that the documents are in order. There will have to be a Board of Directors, officers of the corporation and a method to inform shareholders of the on-going operations of the business.Somewhere in the middle of the previous two options is the option to set up an LLC. An LLC is more complex than a sole proprietorship and simpler than incorporation. It has some benefits and disadvantages. The disadvantages to choosing to set up an LLC are mostly in the time and costs of going through the process. Once the business has been set up as an LLC or a limited liability company the advantages begin to kick in.The major reason to

e the first outing is important but it will not show you the true value of the Disney-Pixar combo. You may see a slight downturn in Disney today but expect that to be short lived as the street looks down the road and beyond the brick as opposed to looking solely at the weekend box office receipts.

Movers and Shakers

Under Ten

Now lets

Top 10 Reasons Why eBay Auctions Fail
Are you finding that auction after auction fails to attract any bidders or buyers? It happens to the best of us sometimes. Take a good look at these top ten reasons to see if any of them could be making your bidders avoid you.1. The starting price was too high.People don't want to bid high before anyone else has. Always start your auctions low and let the bidders bid them up.2. The fixed price is too high.If you're just selling with Buy it Now, then of course your items won't sell if they're too expensive. Try reducing the price a little each time the item fails to sell.3. No picture.Most buyers are reluctant to bid on something without a picture and that goes even more for high-value items. Think of it from the buyer's point-of-view... Would you want to bid on an item when you've no idea what it even looks like?4. You had a reserve.Reserve prices just aren't good for business. It scares away buyers like you wouldn't believe, and it costs you a percentage of your final sale price. Avoid them like the plague.5. Bad spelling and grammar.If your titles are spelled incorrectly, then no one can actually find your auctions. If your descriptions are incoherent, no one will know what you're talking about. Always run your text through a spelling and grammar checker before you put it up on eBay.6. Too much for shipping.You might be expecting people to pay more for shipping than they're willing to. Give them a few cheaper options that will take longer or use cheaper materials.7. Negative feedback.If you got negative feedback on your last transaction, expect things to be slow for a while. Try selling cheap things for a while to get your account back in good standing.8. Nasty terms.Don't write things all over your auction like "I will only accept returns in PERFECT condition" or "Serious bidders only, no timewasters!!" This is entirely unnecessary and just makes you look difficult to deal with.9. No PayPalMany buyers simply avoid any seller who doesn't accept PayPal as a payment method. They can't be bothered with the hassle of anything else. Even if you don't like PayPal, you should accept it if you want to do business on eBay.10.

names Kay Jewelers, and Jared The Galleria Of Jewelry and over 1800 globally while Zale operates over 1400 retail jewelry stores here in the U.S. The combination of the two should make them the largest jewelry retailer in the country.

Movers and Shakers

Under Ten

Now lets

Finance – General Overview
Finance is a generally applied term for more than a couple of things. The term finance applies to the commercial activity of providing funds and capital; also it is that branch of economics that studies the management of money and other assets. If one were to round up the different definitions into one, finance can be defined as the management of funds and capitals required by a business activity.Management of FinanceManagement of finance has developed into a specialized branch within management since long ago. Managing finance involves dealing with optimizing allocation of funds to various activities either by borrowing or by mobilizing from internal resources. The word optimizing in finance may strike an odd note but it means taking intelligently structured steps at minimizing the cost of financing while simultaneously attempting to maximize the profits out of the employed finance.Finance Governs Most of the ActivitiesA poor finance management will immediately show as deteriorating conditions in the procurement, production and sales as it touches all spheres of business activities. For this reason, a finance manager is expected to be very judicious in either mobilizing funds or allocating for expenses. Lee Iacocca, the most revered management guru, calls finance managers as ‘bean counters’ who look at the expense part with rather pessimistic view. Unlike the sales managers, who would like to invest in future by product development, finance managers are rather skeptic of financing a project whose benefits lie in the future. Finance management governs the future outcome too.Finance in Small BusinessFor most small business owners there is not a clear distinction between personal finance and business finance often leading to cross utility of funds. Lenders, either future or present, don’t look at this with a soft corner. But resisting the tendency for such utilities may dampen ones zeal temporarily but sure brings the much needed discipline which is the foundation of all future progresses.FinancingSmall businesses can finance their needs from either internal resources, friends or from banks and private lenders. The less you finance from outside lenders the more it ignites the profitability. This

vement start before the bell as the company announced late Thursday that their net income jumped 59 percent and their sales increased 39 percent. The street expected 23 cents and Quality Systems shocked them with a 28 cents EPS. Back in January of this year the stock traded in the $37 range before it bumped up to $45.44 exactly one month later. Keep in mind after it hit that $45.44 number the stock nosedived pretty quickly, but it looks to be in better shape now than it was earlier this year.

Under Ten

Now lets

Is Your Business Profitable?
What’s your job profitability? Do you know?Many business owners are unsure of their profitability at a company or job level. They “think” they are making money because they have a few dollars in their checking account. Having money in your checking account doesn’t mean you are profitable. It might simply mean you haven’t paid all the bills yet, so you have a little cash. Cash and profit are two different concepts. If you don’t know your exact income and expenses for each job and your overall business, then how can you know whether you are making a profit? And, if you aren’t profitable, your business won’t last long.Analyze Each JobRegardless of the size of your business or your industry, profitability is something you should be monitoring on a monthly basis. To determine your profit, you must know how much you make and spend on each job. Expenditures should be tracked for direct labor and material costs on each job. In addition, you should also be tracking overhead costs and allocating them to your various jobs as applicable. There is always going to be some general overhead, but too often dollars are thrown into general overhead, when those dollars could easily be attached to specific jobs.Intuit’s QuickBooks software program has easy-to-use features that allow you to do job-costing for time and materials, so you don’t have to worry about having to track it all manually. Rely on tools to help you run your business more efficiently and effectively.Are you curious how you are doing with job costing measurements? Here are some quick and easy questions to gauge your job costing performance:1. Do I track each customer’s revenue information through a detailed invoice?2. Do I have a way of breaking down my direct job materials cost by customer?3. Do I associate all time spent to each job accurately with actual dollar amounts?4. Do I have access to reports to monitor profitability on each job in a timely manner?5. Do I have a way to trend the fluctuations in job profitability from job to job, month to month, etc?If you answered “no” to any of these, then it’s time for you to take an objective look at your financial goals. It’s time for you to implement a job costing mechanism to h

Under Ten

Now lets take a look at movers in the market under ten bucks, Particle Drilling Technology (NASDAQ: PDRT) traded up 42 cents to close at $3.73 on volume of only 139,000. The company developed an advanced drilling technology that uses a custom drill bit that would allow for deeper penetration of Gas and Oil wells. It actually allows for penetration through those areas that would normally be extremely difficult to drill, such as abrasive zones. Particle Drilling is trading very close to its 52 week low of $3.25 and may be a company to look at as the United States look to ramp up their drilling activity.

Isolagen Inc (AMEX: ILE) traded up a quarter to close at $3.10 on Friday. Now the company looks to have cleaned house as they have finally appointed a new CEO after having an Interim one in place for some time. They also appointed a new CFO and other executives to their team. Now this is a stock that traded as high as $12 back in 2004 and as low as $1.25 last year.

Other stocks that move higher on Friday under ten bucks include Seattle Genetics (NASDAQ: SGEN) which traded up 19 cents to close at $4.18 on over 2.2 million shares traded, Aether Holdings (NASDAQ: AETH) traded up 17 cents at $4.29 on over 4.7 million shares traded, U.S. Energy Systems (NASDAQ: USEY) traded up 25 cents to close at $3.10 and Epix Pharmaceutical (NASDAQ: EPIX) which traded up 38 cents to close at $4.04.

Downers

We spoke about Apollo Group (NASDAQ: APOL) on Friday morning, the stock jumped up to $54.17 before it clipped down to $53.18, now this is due to the company being proactive and hiring an independent firm to look into their stock options practice. As we mentioned the stock options probe is continuing to grow but this proactive move may bite Apollo as the street could interpret this as negative news. You should expect for the stock to trade lower as investors are probably just beginning to read the recent headlines.

Pozen Inc (NASDAQ: POZN) just fell out of bed on Friday as the FDA postponed the approval of Pozens Migraine drug Trexima, but this one seems to be overdone because the stock traded down $8.59 to close at $5.52. So you may get a little bounce in the stock as the shorts begin to cover and move on to the next shorting situation at hand.

Georgia Gulf Corp (NYSE: GGC), we mentioned them this morning as they are looking to acquire Royal Group Technologies (NYSE: RYG) for $11.64 a share. Now this could be a catalyst to Georgia Gulf being dragged down. The stock traded down $4.26 to close at $26.23 on Friday. This still has to be approved all around, but this acquisition could actually cause more harm than good to GGC.

Keep an eye on Take-Two Interactive (NASDAQ: TTWO) as the stock was flirting with its 52 week low of $13.64 on Friday, if it should break that low it could slide into the low $12 range, a point it has not seen since 2003.

Other stocks that traded down on Friday include China Petroleum (NYSE: SNP) which traded down $2.42 to close at $50.25, Aluminum Corp China (NYSE: ACH) traded down $2.52 to close at $67.85, Fluor corp (NYSE: FLR) traded down $1.98 to close at $86.60, Peabody Energy Corp (NYSE: BTU) traded down $1.87 to close at $52.25 and The NYSE Group (NYSE: NYX) which traded down $2.25 to close at $57.15 on Friday.

Now some stocks under ten bucks that received the royal smack down on Friday include Neomgic Corp (NASDAQ: NMGC) which traded down 56 cents to close at $3.14, Peru Copper (NASDAQ: CUP) traded down 49 cents to close at $4.99, Encore Medical (NASDAQ: ENMC) traded down 24 cents to close at $4.74, Apac Customer Services (NASDAQ: APAC) traded down 21 cents to close at $1.92, Sonus Networks (NASDAQ: SONS) traded down 20 cents to close at $4.35 and Micromet (NASDAQ: MITI) which traded down 24 cents to close at $4.40 on Friday.

Investors Commentary

And the Readers/Listeners Speak:

Jody from South Dakota: “I want to ask you about Crystallex International Corp, do you think that the play is over with this one? Especially with Gold and other precious metals coming off of several year highs.”

Jody, to tell you honestly I did like Crystallex International (AMEX: KRY) a few months back but at this point with Gold slipping a bit and current market conditions I’d say take a step back and if you still like the company wait for it to pull in some more. KRY could fall back into the mid to high $2 this summer, so you need to be very in tune to this one because it could slip in a hurry.

James in California: “You mentioned that Jones Soda could be the next one to make a move, with their low earnings do you think that they can actually compete with Hansen Natural’s Monster Drinks or Red Bull?”

James, Jones Soda (NASDAQ: JSDA) is a little different than Hansen Natural (NASDAQ: HANS), they sell more of a life style than a single product, so they are more than a one trick pony. The best way to play this one now is to look at the trading range, you can pick up cheap stock when it falls under $9.75. The street at this point is not aware of the company’s true value and this is what makes it a good play because once the street starts to cover their story and the stock then you will see investors and institutions flocking to Jones Soda, so you want to be in before the noise. Do your homework on this one because its worth the time spent researching it.

Adam in Connecticut: “I just wanted to say that I am enjoying “Wall Street to Main Street”, its very informative, keep up the good work”

Adam, thanks for the kind words, we work hard and try to feature what we feel would present good opportunities and unique situations that you as an investor could see once you do the homework. So hearing good things from our listeners and readers makes us work harder.

Leslie in New York: “ I’ve been looking at two companies that were mentioned on Television last week, they are Finisar Corporation and Ivanhoe Energy, what do you think?”

Leslie, Lets tackle them one at a time, first lets tackle the fiber optic subsystem manufacturer Finisar (NASDAQ: FNSR) you are looking at a company that is on a downward pattern and falling, this one could actually end up at $2.50 to $2.75 before its said and done. So if you like the company, wait for it to pull in some more before you jump in blindly.

Next lets tackle the energy company Ivanhoe Energy (NASDAQ: IVAN), the stock is actually not in a bad place trading wise but it can still fall to the low $2 range if it slips past $2.55. They received an upgrade by Jefferies recently but that helped to push it from the low $2 range to the high $2 range, I do not see anything spectacular happening with the company at this point but if you are a long term investor it may work for you, just be prepared for it to slip down a little more. I would say for you to be prudent and do your homework on both of these companies as you may be married to them for some time once you invest in the companies..

Keep you ques

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Online paid surveys have been around for sometime already. In fact, it is the preferred income source of work at home mothers, students and retirees who have some time to spare. Well, it can be daunting if you do not know enough about the in and out. So here are some helpful tips for you on online paid surveys.

For any niche to be worth investing your time and money in it must have a large enough base of interest to for you to profit from. The people that make up the niche must have well defined needs and wants that you can satisfy if they purchase your products or services.

Day trading is often debated by stock investors and brokers. Many people think it is a problem while others believe it is the best way to trade stocks.

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