Basic Investing for Busy People—a set and forget investment plan
The KISS acronym is a reminder to keep it simple, regardless of the activity. Let’s apply it to investing. The new investor who needs help with investing in a 401(k), to the older investor who has lost interest or doesn’t have a plan for their heirs, here is guidance—simple guidance. If you don’t know how to get started; need an investment plan that doesn’t require time; or need a plan for your heirs, these questions will be answered.
Basic Rules—Investing for a Lifetime (Beginner and above)
We’re living longer. This session will cover from the beginning of a working lifetime, to the end, and explain the financial and emotional steps in between: What to invest in and what not—and why; how to prepare your heirs for their role and your demise. Rules for you, and rules for your children and grandchildren.
Technical Tools for the Fundamental Investor (Intermediate and above)
Technical Analysis type tools are useful to the fundamental investor. This session will explain how, and how to use them. Learn how to protect gains, and when to do so. Augment SSG data to determine when a company is overpriced, and where to set the five year low price—a critical selection. Tools that help with SSG judgment data.
Retirement Traps, Will I Have Enough—and What to Tell Your Grandkids? (Beginner and above)
There are traps built into IRAs and retirement plans that can cost your heirs serious money, but are easy to avoid. There are steps to take to make it easy, once you are gone, for your heirs to jump quickly into the driver seat and settle your affairs easily. Then there is the question — Will my grandkids retire as well as I? You can show them how.
Your Portfolio—how ya doin’? (Beginner and above)
Do you compare the gain in your portfolio with market averages at the end of each year—and since each company was purchased? Do you know the annualized return for each company held, and your portfolio—since inception? It’s vital you know. How else can you determine how well the portfolio is doing. This session will show two methods of easily achieving both answers using a free spreadsheet tool.
How “I” Analyze a Company (Beginner and above)
BetterInvesting software (Toolkit) will be used to analyze a company, with an emphasis on confirming your judgment using Internet resources. Build your confidence in making judgment decisions. You’ll be shown how to use the outside sources for confirmation of your judgment, as well as suggested guidelines. This demonstration is designed to go through the analysis step-by-step, explaining what judgment augmentation tools are available, including external links to the sources if other software is used.
Handy URLs for Stock Analysis—that work from within the ICLUBcentral software (Intermediate)
Implant useful website addresses (URL) into your Toolkit software A click of a mouse button can show you the growth expected for the company under study, or future estimates of quarterly and yearly Sales and Earnings. How do competitors, industry averages, and the S&P 500, stack up against your company? A mouse click finds the Institutional and Insider ownership data, Short Interest, news pertaining to the company being analyzed, and more. Learn to insert these and other URLs into Toolkit.
Analyzing an Annual Report the Easy Way (Beginner and above)
If you find the information in the Annual Report daunting, this class is for you. Only minutes are required for the entire analysis. First—what to read, what’s important, and what’s not. Second—how to analyze all those financial numbers. A computerized tool (spreadsheet), available at no cost, quickly guides you to useful conclusions. The tool is built in sections, allowing a simple and quick data analysis, through more complex graphic levels, depending on your interest and investment skill level. Start with a simple analysis and learn as you explore more and more information about a company.
Investing 101—What every investor should know—and teach your children (Beginner and above)
This is a class for all investors. There are four methods of investing in equities, which provide the best return with acceptable risk: 1) Mututal Funds, 2) Index Funds, 3) ETFs, 4) Individual companies. Learn of the advantages, disadvantages, costs (some are very high), ease of use and time required of each type of investment method. Why are they the best investment vehicles? Are your retirement investments made through your company and the choices limited? Learn how to evaluate the choices. Do you understand the real cost of managed Mutual Funds? Do you compare your portfolio and Mutual Fund returns with market averages? It’s critical you do. Learn how easy it is. The class includes a discussion on how to use credit cards and how to maintain a good credit score (FICO)—and being financially responsible. It also shows what the penalty is for not being financially responsible.
Reverse Mortgages – dangerous to your health? (General)
The next major financial fiasco could be Reverse Mortgages. It’s a new kind of debt where lenders shoulder almost no risk, and taxpayers are in line to subsidize the risk. Baby boomers are prime targets. If a Reverse Mortgage interests you, know what questions to ask. Be aware of the potential costs and potholes. Learn of other financial resources and what tools to use first.
Annuities–Good, Not So Good, or Bad? (General)
“Annuities are controversial investments, even with the financial community.”–Suze Orman That quote pretty well sets the attitude to be taken toward an annuity–be wary. However, it is a financial tool which can be useful for some investors. We’ll explore circumstances when an annuity might be useful, and if so, the dangers and traps to be avoided.
Mutual Funds—What You Must Know — Should they be in your portfolio? (Beginner and above)
Managed mutual funds are very expensive. Learn why, and how they can harm your financial future. Learn about alternatives where costs are far less and returns better. If you don’t want to pick individual companies to invest in, do well by investing in index funds-which could be described as the set and forget portfolio. Learn where to invest money in your 401(k) or similar accounts.
Bio for Bob Adams
Bob is retired from 26 years in radio & television broadcasting, and 13 years as a college professor. He belongs to an online investment club–is a past president. He has served as a Director for InvestEd Inc., a non-profit investor education organization since 2007 and is currently a Director Emeritus; served on the BetterInvesting Computer Group Advisory Board from 1999 through 2006; is a Director Emeritus for the Puget Sound Chapter, serving since 1994. Bob is a strong advocate of long-term investing. Go to his personal website for information and free investment tools: www.bob-adams.net.
PAID CHAPTER VISITS:
Every Chapter is allowed one free visit, once every three years, by a featured speaker for a Special Event such as an Annual Meeting, Investors Fair or Education Fair. Many speakers can also provide training classes for Volunteers, typically the evening before (or after) the Special Event. The Speakers travel and lodging costs will be covered by BetterInvesting headquarters up to a maximum of $500 per visit. Any additional costs must be borne by the Chapter. The budget is limited each year; Chapter requests are filled based on the order received.
Download the Speakers Bureau Request Form from the BetterInvesting site
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Download the Speaker Evaluation Form from the BetterInvesting site
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Fill in the request form specifying the speaker you are requesting and submit it to: chapterservices@betterInvesting.org. The speaker needs to teach at least two sessions and/or be the keynote speaker. If a request is made for a Friday evening session with Chapter Directors, acceptance of your request is enhanced.
Following the event, send the Speaker Evaluation form to chapterservices@betterInvesting.org.