How to Buy Shares – A Complete Beginner’s Guide

Picking stocks is a lot like buying a car. When you buy a car, you can’t just go with the first one that’s the right color – you need to know about it. You want to check under the hood, or at least kick the tires. If you don’t know about cars, you bring along your brother or your dad or someone who does. Most importantly, you take your time. If you’re not sure about the mileage or the sound from the exhaust you pass it up and wait for a better deal. It’s no different when you pick stocks.

The first thing you need before you buy shares in a company is a stock trading account. For this, you need a broker. If it’s your first time, I recommend using a discount broker. This type of broker will process your buy and sell orders, and little else. Where do you go to find a stock broker? Try your bank. There might be other less expensive options, but your bank is a place you feel comfortable, and you know how it works. Chances are if you have an account there they can help you start a share trading account easily and at a low cost. I trade shares using online banking.

For your first purchase, you want to buy what you know. Look at 3 companies that you like – companies you have bought things from or know people at. Pick up a newspaper and write these four things down:

  • Price– If the shares are $500 a piece, you might want to skip this one for now.
  • Year’s Move (YM)
  • – This is how much the share grew in value last year, and a fairly good indication of what the company will try to beat this year.

  • Dividend Yield (DY)
  • – This is a percentage of the value of each share that the company pays to shareholders each year. Some shares don’t pay dividends, but make up for it with more growth (if the company doesn’t pay shareholders it can spend that money making the company more valuable).

  • Price/Earnings (PE)
  • – This is simply the price of the share divided by how much the company made in this financial year. This figure can be misleading depending on current phase of the financial year, but basically a low Price/Earnings ratio means that the company’s stock is valued about right for how much money the company is making.

Either that or the share is undervalued and could go through the roof any day now. If the ratio is high it means that the company has a lot of projected growth, but little actual profits so far. This was common during the “internet bubble” when companies had huge prospects but hadn’t made any money yet.

Once you have these, it’s time to look at some graphs. Go to the company’s website, and click on “Investor Relations”. Download everything, and look at graphs of their share price and dividend payouts for the last year, 3 years and 5 years.Now read the newspaper. Not the front page, the boring bits at the back about money. Most of these articles are fairly easy to read, and reading them for a few weeks will give you a pretty good idea of what’s going on in the world of high finance.

Picking stocks is about more than knowing the company. It’s about knowing what’s going on in the world that will affect the company. Now it’s time to decide on your goals and make a buy case. First, write what you want out of your investment. Do you want to build capital over 10 years, or do you want to double your money in a year, but with the risk of losing half of it? If you are the former, then you are a growth investor. Otherwise you are a value investor. You might be somewhere in between, but since this is a first purchase it would be a good exercise to pick stocks according to a strict investment philosophy.

Now your buy case: This is an argument for and against buying the shares. In it you need to write:

  • What’s going on in the company with regards to new business, new directors, new enterprises, new debt, new acquisitions/sales of subsidiaries etc.
  • What’s happening in the world that could affect the company’s ability to make money
  • The worst thing you can imagine happening. Think of the one thing that would make your company’s stock plummet more than anything else.
  • As many pessimistic ideas as you can think of for why you should not buy these shares
  • Why you think it is a good time to buy shares in this company now

Lastly, before you buy shares, ask people. Ask someone who works for the company or ask an investment advisor, even if you have to pay them. If there is even one factor that you have not considered, your entire share trading experience could be very painful.

Remember, buying shares is not gambling if you know the rules. Understand your risks, and don’t take any you cannot afford to make. Avoid startups for a first investment – save the riskier stocks for when you are more confident.

A Guide For How To Pick An Online Poker Site For New Players

If you have decided that you would like give online poker a try, you will be faced with a lot of different choices where to play. As a beginner, you should pick the poker site where you will get the most bang for your buck. When deciding where to play, the following six items are what you should be looking for in a poker site:

1. Wide variety of poker games – Whether you want to play Texas Hold’em, 7-Card Stud, 5-Card Draw or Omaha, the poker site you select should offer all of these games and more.

2. Low stakes for beginners – The best poker sites offer real money betting stakes as low as $0.02, which is very affordable for beginning players as they learn.

3. First time deposit bonuses – Most sites will give you a cash bonus when you deposit real money for the first time for trying their site. The requirement usually is that you play a set number of hands, then the bonus money is yours to keep.

4. Frequent reload deposit bonuses – The best sites will also offer periodical reload deposit bonuses. These work like the first time deposit bonus and all you need to do is deposit money into your account and you will be offered another cash bonus.

5. VIP Club and Benefits – The best poker sites have VIP clubs where you are rewarded for your frequent pay. The benefits offered vary and often include things like computer equipment, i-pods, clothing and gift certificates.

6. Large numbers of players – The best sites have a large number of players who call the site their home for poker, ensuring that there will always be a game ready and waiting when you want to play any time of the day. A site with a lot of players is a strong indicator of a good poker site.

When you find a site with these six characteristics, you will have found a top notch poker site to call home!

Financial Planning – Investment Guide For Beginner

Today or rather last night, U.S. Stocks Slide to Worst Inauguration Day Drop in Dow Industrial History.

What an ironic situation when Barack Obama is supposed to represent hope and change. So how will this incident impact us?  

There is a saying in the market “When the U.S. sneezes, the World catches a cold.” Therefore, if past history serves us right, the market will drop for a short term. And if you like Warren Buffett treats Investment like a Business, this will serve a great buying opportunity. Why? Because when will you purchase more stocks (as in supply) for your business? You are right! When the prices are low! Aren’t the prices low now?

Well, most people invest a huge sum of money (sometimes all their savings) when they see an opportunity. This is no longer an investment but gambling. As we don’t inherit a prophetic thinking to predict the market as accurate. We wouldn’t really know where the market bottom will be.  Hence, we should go in on a systematic approach through a Regular Saving Program (RSP) strategy which is a fixed amount across 12 to 24 months period. By doing so, we are taking advantage of the low prices at the same time, reduced the risk of investment.

Lastly, do you know that, looking back at U.S. history… In 1933, there was a 12 percent slide after Franklin D. Roosevelt’s election, gave way to a 75% rally! Past performance is no guarantee of future results but it’s the best indication. What would you do?

LOTRO Lord of the Rings Online – A Beginners Guide to PVP

Is there any form of PvP in LotRO?

There sure is. But it’s different from what you might expect. Being that the notion of elves mass killing hobbits was distinctly un-Tolkien, Turbine has created Monster Play for players to help them free the beast within.

What is Monster Play?

Monster play, or PvMP, is Player versus Monster Player. What that means is instead of hobbits and elves fighting it out among themselves, a system has been created that lets players take temporary control of “monsters” and fight the higher level regular player characters of LotRO.

Great, so now instead of worrying about an elf killing my hobbit, I have to worry about roving bands of Monter Players?

Not at all! The PvMP system is 100% consensual in nature for just that very reason. Anyone who does not wish to partake in the PvMP never has to, not even for a second. The ongoing battle takes place in the isolated world area of the Ettenmoors, and you won’t find yourself accidentally stumbling into the area either. It’s only accessible through talking with specific NPCs.

Hmm… okay, I’m intrigued. Tell me more about PvMP.

Well let’s give you a run-down of its features, and we’ll go from there.

– The Ettenmoors is a large, fully-developed region, about the same size as the Shire.

– Players on each side start in a “no-kill zone”. You won’t be thrown into the Ettenmoors, and immediately waylaid by opponents.

– The objectives that either side must strive to attain are defeating the enemy in combat, completing PvE and PvP driven quests, and of course, maintaining your sides hold on several Keeps and Towers.

– There are five monster classes to choose from when creating a Monster to patrol the Ettenmoors with.

What classes are available for creating a monster?

The five “classes” of monsters are as follows:

The Uruk Warleader – The main tank of the Monster side, this hefty orc is directly intended to be the leader in groups. With powerful in combat and out of combat buffs, as well as the ability to heal and do moderate damage per second, the Warleader is sort of a jack of all trades.

The Orc Reaver – The Champion class for Monsters, the Orc Reaver is your most essential damage doer. Also with the ability to de-buff, interrupt skills, and do some tanking, he’s a crafty foe not to be taken for granted.

The Uruk Blackarrow – And expert Uruk orc Archer, this class is a ranged damage dealer with some crowd control abilities, and a sprinkling of area of effect damage dealing.

The Warg Stalker – A stealthy canine abomination of the Dark Lord’s army. These pups are proficient in doing high burst damage, they can serve as a tank in some pinches, and are capable of interrupting opposing players spells and skills.

The Spider Weaver – Similar to the spiders often found giving travelers trouble across Eriador, these little 8-legged freaks are efficient at crowd control, damage over time, some light damage dealing, and even some ambush attacks.

It should be noted that you can’t have alts of your monster characters. You can play one of each class though, and their names are permanent upon creations. So choose wisely.

How do I play as a monster in the Ettenmoors?

Below are listed the basic requirements for entering the Ettenmoors as a Monster Player.

-Level any one of your characters to 10 or above.

– Travel to Bree and locate Beggar’s Alley (the eastern side of the map, a small dirt path, and very run down area.)

– Find the red and black obelisk called the “Scrying Pool” that is at the end of the alley.

– Right click it and select the option “Play as a Monster”.

– Select one of the five available classes and click the “Play” button, you’re off!

Can I level my monster and make him stronger over time, like a normal character?

Yes and no. Your monsters will start as level 50 regardless of what level you first step into its skin. They’re not on par statistically or skill-wise with a level 50 player, but more so like a mob that a player would be fighting at that level.

This was done because Turbine anticipates at all times there being more monsters than players (who must be upper-level to play in PvMP) and therefore the fighting field should be level. Monsters can grow in strength though, through the acquisition of Infamy and Destiny Points.

What are Infamy and Destiny Points?

Sort of like experience for monster players, these can grant or enable things like additional skills, improvements to current skills, bonuses to the monster’s Morale, regenerations rates, armor mitigation, and so on. Players can also gain additional appearances to change the look of their monsters over time via the Infamy system.

Okay, now I know how to be a monster, but how do I play my main character in the Ettenmoors? Glad you asked! Of course, you’ll first need to level your character to level 40 though, as that’s the lowest level you can enter the Ettenmoors as. It’s probably a better idea to level him or her a bit higher though, as everything in the zone is geared towards top level players. Once you’ve done this, here’s what you’ll need to do:

– Travel to Rivendell by any means possible

– Find the Horse Stables in the Western section of the area (known as Elrond’s Stables).

– Right click on Stablemaster Remros then select Ettenmoors and click the “Go!” button. You’ll be taken to the Ettenmoors, where you can begin your quest to rid the area of Sauron’s forces.

The objectives for the player character side of things are similar to the monster side. Kill the monsters, complete the quests scattered across the zone, and attain and keep control over the keeps and towers in the area. Doing all of these things will reward your player with Destiny Points.

What can my character do with Destiny Points?

Destiny Points are earned for the player by completing quests and generally waging war with the Monster Players in Ettenmoors. They can be used for special buffs and traits for your character as well as “per-session” buffs upon entering the Ettenmoors.

Will my weapons and armor take damage when I die in PvMP?

Your character’s items will not take damage when he or she is killed by a Monster Player. It is important to note however, that they will take damage if you are killed off by one of the many mobs patrolling the area. But worry not, for no matter who defeats you, revenge is only a few minutes away. You simply need to “rez” at a nearby respawn point and head back into the fray.

What about player character rewards, like items and other things of that nature?

Oh, they’re available. Destiny points and general partaking in Monster Play will help you acquire the necessary things needed for acquiring such rewards. I’ll leave it up to you to find out just what is available for your acquisition. Here’s a pick of some of the perks available, just to wet your whistle.

Is there anything else I need to know, before I go smiting the evil (or the good) of Middle-Earth?

Just remember to travel in packs, be you on the bad or the good side. A solo-player will likely be eaten up in the Ettenmoors, as most players go with the mob mentality when indulging in PvP. Secondly, remember that defeat is not permanent. If you fall in battle, all you need to do is run back to the fight, and give it another shot. No shame in being beaten. And lastly, remember to have fun. That’s what the game is about. Friendly competition, with the added perks of rewards from all your bloodshed.