Thursday, December 27, 2007


As the year of 2007 comes to an end there are a number of significant highlights to this years business moments. Number one business moment belongs the subprime lending mess that had a domino affect on the credit markets as well as the stock markets and every other market that is connected to these. Last year a barrel of oil was priced at about $60 this year oil got as high as $90 damn talk about a price increase. I remember when I was little and barrels of oil were going for $30 a barrel! The new I -hone came out on June29, and before you know it someone cracked it making it able to be able to used by any mobile carrier a 17 yr old kid did this!

As this year ends we start to plan for the new year and start implementing remedies that held us back from achieving our goals the previous year. Well this forthcoming year I would advise one to seek out strategies to get a steady investment return in these unsteady times. a lot of Financial advisers are leaning towards municipal bonds or munis. Municipal bonds are bonds that are issued by the state and federal governments.The one major advantage that a municipal bond offers is the interest on most municipal bonds is exempt from federal taxes and also state taxes if the holder is a resident of the issuing state. As with all bond they do come with a default risk, but hey the government is pretty stable when it comes to money. You should be aware that all bonds come with a default risk that mans that the promised interest that they will pay is not guaranteed. There is grading system for bonds from AAA being the highest and most trusted to DDD being a really raw risk. There are some agencies that rate bonds to give you a more clearer picture, Standard and Poor, Fitch, and Moody's are all options that you can check through to see your bonds particular rating. The lower the grade on a bond the more they are inclined to pay out on interest you have to just gamble with the risk if you want to take the chance.

A sure investment now but a trick one is the banks stocks or even better just plain old cheap stocks. Right now is an ideal time to buy bank stocks or any thing associated with the subprime losses of thus wonderful year of 2007. I say this because at any given moment the table could turn on these stock no one knows what the future holds for stocks of a particular company but with time a company can only get better or sold or at the worst go bankrupt! Some banks you can bank on are; Bank of America, Countrywide, First Horizon, Suntrust, Wells Fargo, T. Rowe Price, Davis Financial, Fifth third Bancorp.

Here are some stocks that you can invest in that are cheap due to their company being in a bad position;Winn-Dixie Stores,Northwest- Airlines,Sky-West,Spherion, Valero energy and Mowhawk Industries. The smart thing would be to do research on these companies to see what there future prospects are and could be then go make your pitch on their stock it would be like giving that ex- convict a second chance at a better life instead of judging him and ruling him out from his previous convictions.

Quote for the year 2008- Do it ,Jeffrey Love

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