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The Solution
The information that is being presented will help you in learning how to be a Giant Slayer. Once you understand and realize the information that is being presented here to you below and also if you read, understand and realize on your own, certain biblical truths and parables that are written and apply them (Trust me, this is not about religion and the bible isn't either if you know the truth about it. That book contains some pertinent information concerning wealth.), you will be able to not only kill the giant, but you will be able to think and grow rich by renewing your mind and by discarding any garbage retained.
Your life will never be the same again and remember, you must put in the effort. You will be glad you did and trust me, you are going to be thankful and grateful that you did. Be smart, diligent, patient and wise in your efforts. Remain hopeful and steadfast having the surety that you know, that you know and that you will know that one day you will be financially independent.
This is a guide that will help you to get started and not everyone is going to reveal this to you outright or take the time to explain it. I've made my sacrifices along the way to get this information to you, its why I'm homeless and in debt right now, not because of laziness or not working, etc. but because I didn't know about money or been taught about it. I'm someone who has constantly sought knowledge and I had to find out on my own, and I'm glad I did, now I have a plan and knowledge about money and I don't plan on being homeless or in debt very much longer. I also realized the plans that God Almighty had for my life and in what he wanted me to do. My purpose is His purpose in helping you and this website is full of information to help you realize and understand how to be knowledgeable and know the real truth versus the illusion that is being fed to the masses. Let's move on.
You will have to plan, study, seek and ask questions; there is no getting around that. You have a better chance in doing this than trying to win the lottery and in the long run, you will be the victor. Patience and careful planning are a must before taking action and you will have to continue in patience, study, seeking, planning and action daily. Timing is also a key and you can always take a chance in buying that lottery ticket ! This information is valuable and it will save you some time and money !
There is help available, some of which is free. Your local library is a wealth of resources available to you, utilize it to your fullest advantage. Information is free, some of which is not and if you can get the help for free that would be a bonus. Start seeking out and asking questions with your local librarian, bank manager, accountant, financial advisors or anyone else that could possibly help you such as an instructor or student at a college, they can be approached, it is after all a learning facility with information and don't be afraid in doing so, the worse they can say is no which means you get to continue on in your adventure !
Ask the questions : Who, What, When, Where, Why, and How; in finding your solutions to your problems. You have to do the research to find the knowledge and you have to think and plan.
You must start getting to work on this if you are serious about the life you really want to have vs. where you are at right now. I am sorry to burst your bubble, this is the reality. You must also self reflect (take a look at your life in a mirror), correct where necessary, and move forward. Help yourself so you can help others and don't be afraid in asking for help.
Let's get down
to business concerning the solution in Slaying the Giant. Read and
understand all of the following thoroughly and read again if you must. If
you are serious, this information will help you understand what you need to do
concerning your financial salvation and please read the above again as many
times as you need to until you thoroughly understand what is being stated and
you have it memorized. This is a guide and you have paid or have been
given a gift from one of the best. 
1. The
steady stream and source is the stock market. There are four other sources
concerning income, they are :
Sales, Compound Interest,
Donations, and of course, a job / business.
2. The five stones (which will also be a bag) is a diversified portfolio
containing five different industry sectors with stocks owned in each category
such as for example : technology, energy, minerals, food and consumer
goods. The choice is yours when you go to the brook. Each sector
should start off with 5 stocks with multiple shares for each stock.
One of them will end up being your stone to knock out the giant statue and make
it crumble at the feet. Find the best ones to put in each (bag - which is
also a stone) for dividend payouts and a later sell.
3. The two birds one stone are two different personal
brokerage accounts. I would suggest having cash sweep accounts only and staying
away from the marginal / gold accounts.
The two birds are also a
treasure hunt (coins for example) and a winning lottery jackpot ticket (if you
are lucky enough).
4. Write down, study, plan and follow what is stated in the
the following link :
manage your finances
5. Study, Study, Study the information provided at the
following link :
Health is
Wealth
There is a wealth of resources and
information here that can guide and help you.
6. You will have to plan accordingly and that is a plan
of attack in financial matters. Write your dreams, plans and goals down. You own
it once you write it and your mind will record it after it sees what is written.
This works on a conscious and also on a sub-conscious level. Follow your
intuition, gut instincts and life lessons, sayings and stories of the past. You will
learn and realize if you allow yourself to. Remember, plans can and often
do change. Be flexible and bend like a reed in the wind without breaking
or being uprooted. There is always a new day of
discovery !
7. You will have to invest personal time and money. The
sacrifices will be worth it later and you can breath a sigh of relief once you
put the plan in action and become pro-active with your plan daily.
You must not ever sell yourself short, this is
your life and financial future and you must take the full responsibility and
make the most of your efforts. No one else is going to do this for you and
you yourself must do this for yourself first and secondly for others. Grab
the wheel of your ship, control your destiny and steer it in the direction
towards your dreams. May the wind always be in your sails. THINK
BIG, DREAM BIG !
8. Start a little at a time, one day at a time. There
is a light at the end of the tunnel and you must get up and walk towards the
light into personal, financial, emotional, physical, mental, and spiritual well
being. There is no magic wand or genie. You must reflect and come
into realization concerning yourself and your life and plan accordingly.
Do not be afraid to ask for help and remember to rest and take a little vacation
from time to time, it will rejuvenate and refresh you.
9. When you buy stock shares you buy a part of the
business which makes you part owner. You will have the option of being
asked to be contacted by the company concerning all facets of the company
concerning its business and also voting on certain aspects concerning the
business. In my personal opinion, I would opt out of the option and let
the business men and women handle the business unless
you have some expertise in the field and you think your services would be
beneficial and would want to get involved, otherwise, focus on the money,
price movements of the stocks owned and business announcements of dividend
payouts or non-payouts.
You should at least know what you are investing in, so read up on the business
first before investing. Know how good a business is doing and I wouldn't
suggest in investing in any business just starting out in the market unless its
something worth investing in.
10. You must have goals, let's discuss this concerning
your finances :
NOTE :
YOU CAN BE YOUR OWN PERSONAL BROKER AND PRIVATE INVESTOR. YOU DON'T NEED A
BROKER IF YOU ARE
WILLING TO DO THE WORK YOURSELF, THIS WILL SAVE YOU THE COST OF HAVING TO PAY
ANY BROKERAGE FEES.
Step 1.
TD Ameritrade /
Charles Schwab
Account : Invest in stocks that pay a monthly divided each month. A
note about dividends, a company can opt to stop paying a dividend at any time,
they don't have to and they certainly don't owe you this option, this would now
become an option to sell the stock for a profit if a company decides to
(permanently) and not (occasionally) stop paying a dividend.
Use the dividends to save and reinvest. DO NOT
activate a
drip account for every stock if you choose to do so , not a good idea, especially come tax time. You will want to
collect and save the money and use the money to start paying off your debts a
little at a time. A few good strong stocks with a good dividend payout
would be something worth doing and they will grow over time for a huge payout
later on down the road.
This can be automated as well (if done in the right way
through transfers from your brokerage account to your bank account), especially if you have
college debt that you need to pay off. You will have to maintain and keep
a watchful eye on this if you want to get out of debt and you can also breath a
sigh of relief that your debt is now in the process of being exterminated once
you put the program into action.
I would also recommend a sweeps account and not to have a
marginal account, your money will stay safe, protected and earn
compounded
interest.
Special Notes : TD
Ameritrade / Schwab offers free educational resources ! Get that account and start
learning, its free !
Download and learn how to operate the think or swim software, it's awesome and
it's free !
Spreadsheets are important ! I recommend
openoffice since it's
free to download and use !
Keep your portfolio diversified, don't put all
your eggs in one basket. Buy a few energy stocks, consumer stocks, and
technology stocks that are low in price, pay a dividend and could sell for a
higher price at a later time for starters. Get your feet wet first, don't
dive in if you know nothing about the market. Make a list of stocks you
would be willing to invest in.
Do not buy a stock at its peak
price, buy the stock at its low, you'll want to sell at or near its peak price;
even if it is paying a good dividend. There's more money to be earned on a
sell ! You can always buy the stock again at a low.
Step 1 a. Goal : earning up to $1,000.00 a month via dividend payouts. That is $12,000.00 annually.
(dividend payouts can and do change, go with the flow and pay attention to your
investments)
b. Purpose : savings / holdings / HUGE nest egg / emergency savings / giant
killer
c. Automated payments to knock out and kill debt.
d. The death blow : A final lump sum payment to cancel out debt completely.
e. Buy / Sell / Reinvest / Save / Transfer (read the following notes under
Robinhood)
f. Goal : How much money do you want to earn and
save in a year, 2 years, 10 years and by
retirement ?
g. When do you want to be financially independent and free from debt ?
h. Plan, write it down and stick to it !
Step 2.
Robinhood Account : Invest in stocks that pay monthly and quarterly dividends.
A note about dividends, a company can opt to stop paying a dividend at any time,
they don't have to and they certainly don't owe you this option, this would now
become an option to sell the stock for a profit if a company decides to
(permanently) and not (occasionally) stop paying a dividend.
The monthly part is easy to keep track of, however, the
quarterlies takes work and can cover all twelve months if done correctly.
There are 3 seperate quarters each having 4 months where dividends are paid.
They are as follows :
First Quarter : Stock 1 pays out a dividend in
(Q1 : Jan, April, July, October)
Second Quarter : Stock 2 pays out a dividend in (Q2 :
Feb, May, August, November)
Third Quarter : Stock 3 pays out a dividend in
(Q3 : March, June, Sept, December)
I like to call these yearly fiscal quarters.
3 x 4 is 12
**Dividends are stock payouts (not all stocks pay a
dividend), most dividend totals are listed as an annual payout and those payouts
are divided up either monthly or quarterly. Let's say for instance a
particular stock pays an annual dividend of $2.00 over a quarterly basis.
Take the payout of $2.00 and divide that by 4 quarters and the quarterly payout
will be .50 cents per quarter for as long as you own the stock.
**Likewise, if a particular stock pays out an annual
dividend of $2.00 over a monthly basis, take the payout of $2.00 and divide it
by 12 months and the monthly payout would be roughly .17 cents per month for as
long as you own the stock.
MULTIPLE SHARES OWNED MEANS A MULTIPLE RETURN OF
INVESMENT VIA A DIVIDEND PAYOUT
MULTIPLE SHARES SOLD AT A HIGHER PRICE MEANS A MULTIPLE RETURN OF
INVESTMENT VIA SELLING
LOSERS BECOME WINNERS ! A
stock that drops in price could be a stock worth investing in for a sell at a
later time.
"The stock market is nothing more than a place
where you go to buy and sell stocks" ~ Warren Buffet. The dividend
is a bonus while waiting to sell for a profit. Don't be afraid in selling
a stock for a profit even though that stock pays a dividend.
**Dividends can and do add up, don't confuse dividend interest
with compound interest such as in a high yield savings account. Dividends
that add up are compound dividend accumulations even though its called
interest / compound interest ! Don't fall for the illusion !
Dividends do not earn interest unless they are put in a
savings account where interest is compounded.
The dividend payout is interest paid out to you on your
stock investment only, this can add up over time and is also called (interest /
compounding interest) and is also known as (accumulation).
Only after the dividend is paid out to you will it
then be put into a bank account (such as a sweeps account with program banks)
that pays interest on your dividend deposit where it will continuously earn
interest and then be added to the previous savings balance where it will
compound again in an ongoing cycle that will add up over time as long as you
keep the money you deposited within that account (which is automatically done
for you); certain brokerage firms will ask if you want the sweeps account, if
you don't know where to look within your brokerage account, I would highly
suggest you call them to find out since this is a great way to earn more on a
return of investment ! Interest accrued is taxable, be aware of this come
tax time ! Note : now you know how the interest on loans, credit
cards, etc. are accrued and they can get to devastating levels if left unchecked
and un-paid.
Keep your portfolio diversified, don't put all
your eggs in one basket. Buy a few energy stocks, consumer stocks, and
technology stocks that are low in price, pay a dividend and could sell for a
higher price at a later time for starters. Get your feet wet first, don't
dive in if you know nothing about the market. Make a list of stocks you
would be willing to invest in.
**Use the dividends earned to save and reinvest.
You can also buy
fractional shares in Robinhood, there is a waiting list for that but you will
receive it once you are off the list.
**Robinhood also has a drip program. DO NOT
activate a
drip account for every stock if you choose to do so , not a good idea, especially come tax time. You will want to
collect and save the money and use the money to start paying off your debts a
little at a time. A few good strong stocks with a good dividend payout
would be something worth doing and they will grow over time for a huge payout
later on down the road. Read the notes above concerning (drip accounts)
under TD Ameritrade concerning shutting off and re-activating the (drip)
program.
Sweep accounts
are best and
your money will be safe, protected and earn compounded interest.
Note : DO NOT reinvest all of your money either with TD
Ameritrade or Robinhood, especially if you are in debt. Also be aware of
EX DIV DATES (this is the time to buy a stock beforehand) in order to receive
the dividend by the declared
DIVIDEND PAYOUT DATES. Dividend.com will give you information for each
stock concerning this if you do a search of the company and its
ticker name if you want to invest in a stock and get paid a dividend right away,
make sure the dividend has been announced before the ex div date before
investing or you can also choose to invest and wait for the next payout.
(a word of warning, there could be an
announcement after an initial investment that a dividend will not be paid out,
make sure to keep up with business news in the market if the non-payout will be
temporary or permanent, this will prepare you in making a decision on whether to
sell the stock for a profit at a later time or hold on to the stock for a
restart in a dividend payout).
You should keep up with market news and also be aware and know the price to earnings
ratio, book value of a stock and the formula calculation to find out if a stock
is overvalued or undervalued. This will help in your decision on whether
to invest in a particular stock or not, although this is not necessarily always
the case since there are other factors, but this is a good indicator in helping
to make a decision. Go to the following link at youtube concerning this :
the video is called
Warren
Buffet Stock Basics. Pay attention, write this information down,
bookmark it and keep it handy. It will teach you how to look for a higher
rate of return at a minimal risk with a margin of safety which of course would
be your safety net. A quick note, it's okay to invest in a stock that is a
little out of bounds but not completely out of the ballpark unless you are
willing to take on a huge amount of risk which can be of course, be a seriously
risky investment. Be careful, wise and knowledgeable.
Note of recommendation and consideration of a stock :
Look for a stock that has a P/E of at least 15 (the lower the better), has a
high return of equity (ROE - the higher the better), the earnings per share
(EPS) which is the company earnings and net income, the market cap which should
be in the millions and lastly the company's free cash flow (this is the cash the
company produces from its operations minus minus expenses and measures a
company's profibility, a positive cash flow with a negative net income can be a
good thing; a negative cash flow with a positive net income can be a bad thing
and of course stay away from the double or triple negative listed stocks unless
other indicators prove otherwise.)
Different type of stocks are penny stocks (which are $5
and under) then there are the King, Aristocrat, blue chip, funds, bonds, small cap, large cap,
index, ETF'S and more. You can learn more about this at TD Ameritrade, do
a search on the internet or asking someone who has experience in the field.
A strong stock with a good history is something worth considering.
Dividend.com will also give you a spreadsheet of stocks (each one is separate)
that pay dividends for each category including a monthly dividend stock list.
All you need to do is provide an email to get the lists. I also recommend
suredividend.com for additional information.
Another rule of thumb is :
LOOKING
FOR Stocks STARTING AT A 5% TO 15% Dividend yield
when looking for a return of investment.
The higher the percentage, the more likely it is too good to be true. The
payout percentage ratio is a whole other matter.
Example : a $1 stock pays a $1 dividend = 100% return.
--> IF between 5% to 15% then it is ok.
a $5 stock pays a $1 dividend = 20% return. --> IF
between 5% to 15%, then it is ok.
_____________________________________________
a $6 stock pays an annual $1 dividend = 16.67%
an $8 stock pays an annual $1 dividend = 12.5%
a $9 stock pays an annual $1 dividend = 11.11%
Keep in between the lines : each dividend
yield should be between 5% and 15%.
a $10 stock pays an annual $1 dividend = 10%
A little higher 20% and a little
lower 4.76% is ok.
You want the company to pay you a dividend and to not
a $15 stock pays an annual $1 dividend = 6.7%
go broke so they can remain in business !
a $20 stock pays an annual $1 dividend = 5%
a $21 stock pays an annual $1 dividend = 4.76%
_____________________________________________
***By rights, a 10% return for every dollar invested is
what should be paid out concerning dividends.
A $1.20 annual return on a $6 investment is a good deal
if the p/e, book value and company earnings looks good !!! Don't forget
about the price history of the stock concerning the highest high and the lowest
low.
Stay away from
companies steeped in debt. Compounding dividend accumulation is vital,
this is not compounded interest, so if you hear the statement being used, know it is about dividend
accumulation and not compound interest earned on the dollar as a high yield
savings account in a bank would be.
Another important factor is the PRICE HISTORY of the stock. If a stock was $50 in price say 5 years ago and dropped down to $10 currently then that could be a stock to invest in (given the p/e, book value, high market cap and future company earnings look good). Look at the prior years before the $50 high and find the lows. This should give you a good indicator as to when the price of the stock may spike to another high or near a high and that would be the time to sell to earn a (gain) or profit. The highest highs will tell you what a stock was worth at one point and time and the lowest lows would also tell what that particular stock was in price (of course you want to buy at the low and sell at the high), keep an eye on your investments daily and minimize your risk !
Next, you want
to save your money, reinvest a portion of it, save a portion for a nest egg,
save another portion to put towards any debt, save another portion to pay taxes
and
have some for yourself to spend. I can't stress this enough. Curtail your
spending
habits and don't get greedy. Live within your means. You could end up killing
your
plan and your goals.
Keep an eye open concerning your stocks daily, if there is a rally, one or more
may be
worth selling for a huge profit. Do not marry your stock.
Buy low (seed
time and sowing), sell high (harvest and reaping); dividends are the fruits.
If your stocks go down in price, DO NOT FREAK OUT AND SELL THEM. Hold on to what
you have,
collecting the dividends and selling for a profit is the goal !
Selling your stock at a
loss out of fear
will kill everything you plan to work towards. Sell for a profit, not a loss !
Do not buy a stock at its peak
price, buy the stock at its low, you'll want to sell at or near its peak price;
even if it is paying a good dividend. There's more money to be earned on a
sell ! You can always buy the stock again at a low.
Step 2 a. Goal : earning up to $1,000.00 a month via dividend payouts. That is $12,000.00 annually.
(dividend payouts can and do change, go with the flow and pay attention to your
investments)
b. Purpose : A HUGE paycheck ! Savings, holdings and spending account. Killing
Financial Lack.
c. buy / sell / reinvest / save / transfer
d. Goal : How much money do you want to earn and
save in a year, 2 years, 10 years and by
retirement ?
e. When do you want to be financially independent and free from debt ?
f. Plan, write it down and stick to it !
Lastly there is cryptocurrency : works like the foreign exchange (forex). You take your currency and trade it for another currency and when the currency you traded goes up in value, you can change it back and cash out with a gain (yes you will have to pay taxes on your gains, not on your invested amount and if you sell at a loss, tax deduction although selling at a loss defeats the purpose of gaining and should only be done if absolutely necessary to salvage invested cash. Same rule applies to stocks. It's that simple BUT you have to choose the best coins or stocks to get the most bang on your buck. Some are like ipo investments where the coin / stock isn't public yet but you are able to buy and wait for it to go public for some huge gains.
If you want to learn more about cryptocurrency I suggest coinmarketcap.com for starters.
This is the solution and you alone are solely responsible to get up and get
moving. There are other ways to earn money to help you invest towards your
future such as having a job, owning a business, etc. This still is
required on your part. Sitting on your behind doing wishful thinking will
keep you sitting there. Get up and get moving, your future depends upon
it, and it is your future that is at stake, not mine. Please, do what is
best for yourself first and for those whom you love and care about second, and
all others third and you will make it home. I pray this information will
help you realize what you must do and I hope for nothing but the best for you in
all that you put your efforts into. You took the first step in making a
good investment in time and knowledge.
May God be with you on your Journey.
Sincerely and all the best to you and your future,
Thank you!
John W Parry Jr.
CEO
AVoiceWithinAmerica.com
E-mail : JP@avoicewithinamerica.com
Disclaimer : John W Parry Jr. and www.avoicewithinamerica.com with all third
party affiliates included therein are not responsible for any action or inaction, decisions, etc. made by the
person or persons who have received this information. This information is provided as a guide and
not a sole source of financial advice or to be used as a replacement for sound professional
financial advice.
© 2010 Notice