long term

YTD performance




stop order: do trade if condition meets.
- buy if prices go up and trigger @ stop price, not trade immediately.
- sell if price goes down and trigger @ stop price, not trade immediately.

limit order: if limit breaks, NO do trade.
- do NOT buy if prices go up over limit @ limit price, otherwise trade immediately. A buy limit order can only be executed at the limit price or lower.
- do NOT sell if price goes down too much @ limit price, otherwise trade immediately. A sell limit order can only be executed at the limit price or higher.

thus for stop-limit order and the stock's current price is x.
- buy: stop price x + t, limit price x+ t + b;
- sell: stop price x - t, limit price x - t - b;

Trailing Stop Orders
A trailing stop-loss order is simply setting at a percentage level below the market price (such as 10%). This can only be placed once you already own the stock. You must first buy the stock then place your trailing stop order.


40 stocks:

10 Large-Cap Stocks

  1. Procter & Gamble (PG)
  2. Electronic Arts (ERTS).
  3. First Solar (FSLR)
  4. Gildead Sciences (GILD)
  5. Google (GOOG).
  6. Monsanto (MON).
  7. Norfolk Southern (NSC).
  8. T. Rowe Price (TROW).
  9. Schlumberger (SLB)
  10. Visa(V)

10 Mid-Cap Stocks

  1. Stericycle (SRCL).
  2. FTI Consulting (FCN).
  3. Waters Corp. (WAT).
  4. Ecolab (ECL).
  5. Northeast Utilities (NU).
  6. Flir Systems (FLIR).
  7. Jacobs Engineering Group (JEC).
  8. W.W. Grainger (GWW).
  9. Lab Corp. (LH).
  10. Church and Dwight Inc. (CHD).

10 Small-Cap Stocks

  1. Energy Conversion (ENER)
  2. Calgon Carbon (CCC).
  3. Clean Harbors (CLHB).
  4. American Ecology (ECOL).
  5. Team Inc. (TISI).
  6. Tetra Tech (TTEK).
  7. EnergySolutions (ES)
  8. USEC (USU)
  9. Clean Energy Fuels (CLNE).
  10. Energy Recovery (ERII).
  11. Darling International (DAR).

10 International Stocks

  1. Jardine Matheson Holdings (JMHLY).
  2. Sanofi-Aventis (SNY).
  3. Nestle (NSRGY).
  4. Philips Electronics (PHG).
  5. Total SA (TOT).
  6. Anglo American Plc (AAUK).
  7. Teva Pharmaceutical Industries Ltd. (TEVA).
  8. Nokia Corp. (NOK).
  9. GlaxoSmithKline PLC (GSK).
  10. Potash Corp. of Saskatchewan Inc. (POT).



seed, pal, stsi


ETF section:

GSG: iShares S&P GSCI Commodity-Indexed Trust (GSG), 23.9% above
DBA: PowerShares DB Agriculture (DBA), 30.8% above
DBC : PowerShares DB Commodity Index Tracking Fund (DBC), 27.7% above
GDX : 48.5%
PYZ : basic materials PS DY 20%

UltraShort Real Estate ProShares (SRS)

ProFunds Precious Metals UltraSector Inv (PMPIX) 17.6%

iShares Home Construction (ITB) -9.35%

Bottom 10 - Advance-Decline Net% (all)
Name Symbol ADNet

Regional Bank HOLDRS RKH -100.0%
Financials PS DY PFI -96.7%
Insurance PS DY PIC -93.3%
Financial SPDR XLF -91.3%
Regional Banks DJUS iShares IAT -90.1%
Utilities HOLDRS UTH -88.9%
Energy SPDR XLE -88.6%

Some ETFs that are on the housing:

iShares Dow Jones US Real Estate (IYR), down 2.9% year-to-date

iShares Dow Jones US Home Construction (ITB), up 5.9% year-to-date
SPDR S&P Homebuilders (XHB), up 6% year-to-date

Cleantech PS PZD 15%
Clean Energy PS WilderHill PBW 9.1%

There are a number of plausible candidates for the next bubble, but only a few meet all the criteria. Health care must expand to meet the needs of the aging baby boomers, but there is as yet no enabling government legislation to make way for a health-care bubble; the same holds true of the pharmaceutical industry, which could hyperinflate only if the Food and Drug Administration was gutted of its power. A second technology boom—under the rubric “Web 2.0”—is based on improvements to existing technology rather than any new discovery. The capital-intensive biotechnology industry will not inflate, as it requires too much specialized intelligence.

There is one industry that fits the bill: alternative energy, the development of more energy-efficient products, along with viable alternatives to oil, including wind, solar, and geothermal power, along with the use of nuclear energy to produce sustainable oil substitutes, such as liquefied hydrogen from water. Indeed, the next bubble is already being branded.

saving account

broker account protection

ira vs roth vs 401k

1) Traditional IRA. the official name for such an account is just IRA

1.1)A traditional IRA offers tax-deferred growth on all investments within the account. Qualified taxpayers may also deduct the amount contributed to an IRAObviously, a deductible IRA is a better deal. But whether you qualify for one depends on your income, filing status, whether you have access to an employee-sponsored retirement plan at work and whether you receive Social Security benefits.

1.2)However, You CAN also make non-deductible contributions to a traditional IRA by sending money to an IRA custodian of your choice. You do not need to notify the IRA custodian that you are making non-deductible contributions. However, you do need to notify IRS that you have made non-deductible contributions to a traditional IRA with Form 8606 Nondeductible IRAs when you file your tax return. It is your responsibility to keep track of the basis (the amount of non-deductible contributions) in your traditional IRA.

It is called a non-deductible IRA contribution, and the funds inside will grow tax deferred, until such time as you take a withdrawal. Or you may be eligible to make a ROTH IRA contribution instead of a contribution to a Traditional IRA. Your total contributions to ROTH and Traditional IRAs cannot exceed the dollar limits above($5500), meaning you could contribute to both, such as $2,000 to a Traditional IRA and $3,500 to a ROTH, but you can’t contribute the full amount to both. (ie, not $5500 * 2)

1.3) Rollover IRA. A rollover IRA, sometimes also known as a conduit IRA, is the same as a traditional IRA in all respects. The same rules on withdrawals apply, as do the same tax benefits. Rollover IRAs are created when a person transfers money out of an employer retirement plan like a 401k, 403b or 457 plan. A rollover IRA can be changed to a traditional IRA at any time. The IRS treats all rollover IRA accounts as traditional IRAs.

2) Roth IRA, after tax contribution, $5500 for 2013/per person. often used for blackdoor due to its AGI income limitation, growing is tax tax free and can only be taken out after 59., contributions can be pulled out after 5 years.

High earners cannot contribute directly to a Roth IRA, but they can contribute to a Traditional IRA and they can convert a Traditional to a Roth, which accomplishes the same thing as opening a Roth directly. back door details for backdoor pro-rata.

- if you have $5k in a non-deductible Traditional IRA at Fidelity and $5k in a non-deductible Traditional IRA at Vanguard and $20k in a deductible IRA at Schwab, the government only views this as $10k non-deductible and $20k deductible in a Traditional IRA at year end. It may be easier to calculate taxes owed if you never co-mingle non-deductible and deductible assets. if you backdoor converting $5500 to Roth IRA. then $5500 * $20k/($10k + $20k) needs to pay tax.

- before each year's April/15, say Jan 2013. you can do contributing of $5500 for prior year 2012. do you tax filing for non-deductible contributions before 04/15 tax filing for 2012. then at 2013 year end, you will receive conversion tax form. you file it in 2014 April tax filing.

3) 401K ,
3.1) pre-tax and after-tax , employer matching is for pre-tax. $17500 for 2013. not including employer match.
If a plan's participant makes after-tax contributions to their 401(k) plan, they're not reducing taxable income now. But when the money is withdrawn, they only have to pay income taxes on the earnings in the account. With this type of contribution, the plan usually allows additional flexibility when accessing the funds before age 59 1/2.

3.2) Roth 401 k. after tax contributions = non-deductible. growing is tax free. There are no income caps that limit contributions to a Roth 401(k), unlike a Roth IRA
there is a 401k + roth 401k total limitation = $51,000. If you have both a pre-tax and Roth 401(k) plan, the total combination individual plus employer contribution limit is $51,000.


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