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What is the IdeasToImprove Stockletter?
We are spotting opportunities in the stock market. The IdeasToImprove Stockletter is a newsletter which is sent out by eMail immediately whenever there is a great buying opportunity and, of course, when it is time to cash in the profits on this recommendation. Our newsletters are no fancy language and might be different from anything you have seen before. We just report the facts, but in an entertaining way. Whenever a great company can be bought at an incredible bargain, we tell you when, at what price to buy and why this is a great opportunity. We focus on companies, which have an established business, are highly diversified, low risk and are usually traded in substantial volume on the mayor exchanges like the NASDAQ or NYSE.

How often do you send the eMail newsletter?
We do not promise to have stock ideas every week. It just happens. However, we will send a newsletter at least every 2 weeks, at least, to update you how our recommendations are doing.

Can you give individual advise?
No, we only know your eMail address. To give individual advise we would have to know your whole profile. However we can recommend local Investment Advisors under the terms defined under the rules and regulations of the SEC (Securities and Exchange Commission).

Isn't the stock market about buying great companies with a bright future?
Yes, but but first of all it's about the value they are selling. Second, it is not a good idea to buy companies which are well known. They are usually always overvalued, because too many people want to buy what they know, especially when there is good news out. If you want to make big money, buy what others are throwing away. Keep them until they are fashion again and sell with enormous profits. There are currently over 9,000 public companies, some hundred are great companies with bright future. Why would you buy them at their tops and not at their lows?

That's fine, but how do you know when they are at the bottom and at their top?
That's our secret, but we reveal part of the secret: A stock price usually goes down with bad news. When there is more bad news coming out, there is a point where the stock price doesn't react any longer. This is where you can find a bottom. The same is true with highs. More good news are coming out, analysts are recommending it, but it seemingly doesn't go higher. That's when you've reached a top. In reality it's not that simple, but let us do the work. You enjoy the profits.

Why do professional Analysts usually recommend other stocks that you do?
Analysts actually do recommend the same stocks, only at another time.

Analysts usually recommend stocks within 10% of their tops. Why?
They perceive correctly that this is when things look brightest. If you buy in this moment, you're paying too much. It's that simple.

Analysts never recommend stocks when they are at the bottom. Why?
They do not dare to do so. Stocks look like losers when they are down. In fact, investment banking firms do not even want them to show up on there list of holdings. That's why they often even sell them at their bottoms. Great bankers, privately, usually know when a stock is a great value. Do you know what they buy privately? J.P. Morgan, the great banker, once said to a liftboy after being asked what he thinks in which direction the market is going: "It doesn't matter, it is going up and down, that's what matters. You usually don't lie to a liftboy, why should you? Great gains are made when the market or stocks are oscillating. So don't complain when the market goes down and up over 5% in 1 week on seemingly contrary news. Use this to make gains.

Many mutual funds publish statistics how well they do. Is it a good idea to invest in them?
There are currently over 9,000 mutual funds. If some of them do great over a period of time, be sure they are the ones which are published.

Over 95% of the professional money managers fail to achieve a return for their investors equal to the returns of the Dow Jones or the S&P 500. Why?
This is a tough question. We deeply respect the hundreds of thousands of people who make their living working in the financial sector. The truth is they don't even have a chance to beat the market for several reasons: 1. The inability of professional managers to go to cash, even when the market is clearly overvalued at some points in time. The manager of a fund pretty much has to stay invested. Why would the average investor pay management fees, if the manager is holding large amounts of cash over long time periods? 2. The difficulty of entering or exiting their large positions in a timely manner without disrupting the market. This is like the Heisenberg uncertainty principle. If they want to buy or sell, they are immediately driving the price up or down due to increased demand/supply and are thus overpaying or selling to low. 3. Investment banking / money managing conflicts. If an investment banking firm is hoping to do business with Cisco or Enron, is the manager free to sell, even when he thinks the stock is overvalued?

Should I believe a large investment banking firm, which receives tens of millions of dollars in investment banking fees from a company, when they write up a research report report and tell me what a great buy the stock is?

But what about the argument that if a investment banking firm recommends a stock, then it is poised to go higher, just because demand rises when many people want to buy it?
This effect usually only lasts for days. As they are recommending stocks mostly close to their highs, how much higher can they go? When you buy a stock, you have to take into account not only the upside potential, but the downside potential. That's what most people forget when investing.

Will the $49 the IdeasToImprove stockletter service costs pay off?
Take it like this: You can either spend it on a dinner or invest it in IdeasToImprove. Read and enjoy our newsletter and save the hours and hours per week you would be spending on investigating financial information, reading the clumsy Wall Street Journal and other financial newspapers. Spend the time with your kids or other things you like instead. And watch your money grow (if you follow our ideas). So see for yourself.

What return can I expect?
Please use the ITI Compound Interest Calculator to do the math. Depressed stocks usually turn back heavily soon. Please note that the stocks we recommend can a lower, but the short-term upside potential is usually at least 20%. You should make at least 40% annualized ROI (return on investment).

OK, looks fine, but where is the catch?
Well, it is not as easy as it looks like to buy a stock when there is a lot of bad news out. Do not invest too much. You might not be able to sleep at night. You have to be disciplined not to believe the media everything they report on a company. The media usually makes good news even better and bad news look even worse than it is. That's what sells. Furthermore, we'd like to mention that we are not talking about a return of your portfolio of 40% or even better. We are talking about ROI, which means return on invested capital. If you go with us, you should always have money available in cash, whenever there is a great buying opportunity. Never stay fully invested and never ever buy on margin. Ride the ups and have cash when it's going towards the bottom. That's what this service is about.

How much money do I need to work with your ideas?
The more money you can invest, the better you are able to diversify. If you use a discount broker like Ameritrade where trades are around $10, their minimum to open an account of $2,000 is fine to start. Be careful, never ever invest money which you need anytime soon and never ever buy on margin (credit). The art of being a superior investor is not having to sell at bottoms and always having some money available when there is a great buying opportunity. In investing as in life, it doesn't matter from where you start, but which way you go. $5,000,000 today, could have been $10,000 some years ago. Check out the ITI Investment Calculator, if you haven't done so already.

Be always well informed and try to see the truth behind the clouds. Life rewards those who get into gear with reality.




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