COMMON SENSE

Doctrader’s Philosophy

 

 

I wrote in 2005,,

“ Those who need maximum profits, minimum risk,  must read this book to capitalize in bull markets and bear markets.  For long term investors, my Harmonic Stock Clock will help you protect your hard earned profits before the next bear market begins. Do you have a pension plan, retirement accounts, planing for your children’s education, the next bear market could wipe out those plans. The stock market is being used by the rest of the world as a gambling casino.  There are massive infusions of capital from foreign markets, which could be easily manipulated by those who are our enemies. The price of gold is surging because of the coming storm of inflation which will sweep through out the world’s economies. The monetary foundation of the world is created out of printing more money by the Federal Reserve. The bulk of our economy’s wealth is tied up in real estate, which could be on the verge of a major collapse as the baby boomers begin to feel the pinch of inflation and their credit debts.  The Federal Reserve calculation for inflation have under estimated the cost to everyone by excluding food and energy cost into their monetary calculations. The next bear market correction could be the biggest one of all.  What goes up, must come down, but you can avoid these down drafts by using my Harmonic Stock Clock.  After all, it’s not how much money you make, but how much money you keep that counts.”  Once again, I predicted the current collapse of the markets.  I am not saying this to have bragging rights, but I failed in my attempt to save your portfolio from the current market.  I am trying once again to get through to you, the average American to save his family’s future.  The bad news is we are heading for the mother of all Depression, or the Biggest “Weimar Republic” the modern world has ever known!

The Good news, is that you found this site, and I can help make up those losses, even when the stock market is crashing.

You are capable of determining a financial plan by using common sense when making an investment. If you are like me, every financial mistake I made was from a lack of knowledge. Some people call trading or investing just blind luck. I would like you to remember this term “LUCK”  happens because it stands for “laboring under correct knowledge.”

But, first you have to be given all the necessary facts. It is my job to give you the necessary facts in order to make an informed decision. You may find some of these facts shocking, because these are insider secrets of the financial services industry.

I started my career as a licensed insurance agent with securities license 1985.  I learned about the financial markets and discovered these insider secrets by educating consumers who were sold the wrong products and services by other companies.   Sometimes, we would arranged face to face meetings with our competitors,  letting the consumer be the judge to which product or services were the best.  Humbly, the competing agents lost most cases. You see, most insurance agents are taught to sell a products, not what is best for the consumer.  By the time the learn what is best for the consumer, salesmen have a financial interest to continue to sell the consumer an inferior product.

When I started offering mutual funds, hardly anyone had ever heard of them!  There were less than 1000 mutual funds in existence at the time. Now there are over 30,000 funds at last count. The primary funds I offered were proven over multiple market cycles, such as the Pioneer funds, and Templeton funds.

In 1987 the market crashed, losing 25% of its value in one day. I ask my clients to buy on the dips, “you are getting a “blue light special” and stocks are selling at a 25-30% discount. I also asked when they were retiring, if it is not over the next 10 years, buy the blue light special.  So they did, and history proved my prediction correct. In less than 18 months, the markets moved higher.

 I  sold insurance, mutual funds, mortgages, 401(k), IRAs, and other pension plans. After 5 years being involved in the industry, being promoted to Regional Vice President, I walked away from the industry.

 Why did I leave?

The first reason, having a  license limited my right of free speech. The Security,Insurance,and brokerage industries restricts what you can say to the public. These industry’s have a “sale pitch” which must be approved by the licensing agencies. While restricting what you say might seems like a good idea it falls flat without full disclosure of fees and commissions.

The commission structure of these financial services varies from company to company. You have a “sales track”, just like a used car salesmen.   The “stock of the week”, or the “insurance product of the month” is simply based on bonus commissions. Higher commissions drive sales people for recognition and compensation, but not necessarily the best product or service in the company’s portfolio.  

Doing the right thing for the consumer is at odds with the bottom line profits of the company.  Let’s face it, we are all “selling something”, but anyone who offers to make  you money should disclose all the fees and expenses.

If you were never offered the best product or service for a reasonable fee and, but the sales person withholds this information until the last resort.  You see, being paid on commissions is better for the sales person if the costs of the product or service is higher, rather than the being the least expensive.

What Would You Call It, Deceitful?

It is hard for the average consumer to devote vast amounts of time to find correct answers to the problems you will be encounter when charting your financial future.

 Buy and Hold Myth

 All these cliche worked well in the past,  but this time we are in a long term bear market.  Their training and experience has programmed them to  make these recommendation because of past bull market history.  They are confused by the high volatility in today’s market.

Well I am not confused about what type of market we are  in.  I called the end of the Secular bull market in September 2000 and the beginnings of an 18 year bear market.  Since 2000, the market went into a short term cyclical bear market until March 2003.   Then we entered into a short cyclical bull market which should have ended in 2006.   Because  the unprecedented interest rate cuts, and the “Carry Trade”,  we extended the former short term cyclical bull market until October 2007. 

Now in 2008, the markets are crashing, the housing bubble is bursting, the banks are failing, the insurance companies are filing bankruptcy and the baby boomers generation  will have their greatest challenges left in their senior years. 

What? You Don’t Believe Me?

Look Who else is saying the exact same thing in 2005!

Remarks by Chairman Alan Greenspan Budget policy To the Federal Reserve Bank of Philadelphia Policy Forum, Philadelphia, Pennsylvania December 2, 2005

“The actuaries’ projections of Medicare costs are, perforce, highly provisional. These uncertainties–especially our inability to identify the upper bound of future demands for medical care–suggest significant prudence when considering spending initiatives. New programs, whether spending or tax benefits, quickly develop constituencies who tend to fiercely resist any curtailment. As a consequence, our ability to rein in deficit-expanding initiatives, should they later prove to have been excessive or misguided, is quite limited. Programs can always be expanded in the future should the resources for them become available, but history has shown that they cannot be easily curtailed if resources later fall short of commitments. I fear that we may have already committed more physical resources to the baby-boom generation in its retirement years than our economy has the capacity to deliver.   If existing promises need to be changed, those changes should be made sooner rather than later”.

Where Do We Go From Here?

If you have been a “buy and hold” investor for the last 10, 20, or 30 years, it may be hard for you to understand that the financial world of investing has changed. The Market Media Matrix has everyone in it’s grip by merging all informational sources into one big conglomeration. Thereby narrowing your ranges of independent thought and creative ideas.

 

The news media only has a few sources of information, most of their news is nothing more than a few facts and a whole lot of opinion.  The talking heads are only good at reading the teleprompter and making small jokes about the economy.  They interview the “chiefs” who tell you the same ole’ line, “buy and hold” until all their bosses have been bailed out.  Leaving you holding a worthless portfolio.

 

 In today’s market place, the majority of shares are traded by institutional investors and hedge funds. These hedge funds and institutional investors, like insurance companies, pension fund managers, and investment bankers are using programmed trading with your money.   They have been gambling with your investment and retirement money while urging you to become a “buy, hold, and hope” long term investor. 

 

Do You Still Think Your Nest Egg  is Secure?

You can now have complete control over your pension funds and retirement accounts by moving your money to safer investments which appreciate in the face of inflation. The majority of pension funds of the S&P 500 companies are still underfunded. These pension fund will probably will be discontinued in the near future with rising inflation.  Most companies have cut their “matching funds” for their 401(k) plans.   Do you realize, the value of your 401(k) is where it was in 2004 or worse, 1998?  You have to be an active participate in your family’s financial future.  You cannot be a passive investor and let others gamble with your future.  

OR

Take control now of your family’s financial future!

Join MY Financial Secrets site today, while it’s still free!